Navient Solutions, LLC. CFPB Complaints
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| Date Received | Timely Response | Product | Issue | State / Zip | Submitted Via | Tags |
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| 08/16/2023 | Yes |
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| 1232g TITLE 20EDUCATION Page 828 1232g. Family educational and privacy rights ( a ) Conditions for availability of funds to educational agencies or institutions ; inspection and review of education records ; specific information to be made available ; procedure for access to education records ; reasonableness of time for such access ; hearings; written explanations by parents ; definitions ( 1 ) ( A ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy of denying, or which effectively prevents, the parents of students who are or have been in attendance at a school of such agency or at such institution, as the case may be, the right to inspect and review the education records of their children. If any material or document in the education record of a student includes information on more than one student, the parents of one of such students shall have the right to inspect and review only such part of such material or document as relates to such student or to be informed of the specific information contained in such part of such material. Each educational agency or institution shall establish appropriate procedures for the granting of a request by parents for access to the education records of their children within a reasonable period of time, but in no case more than forty-five days after the request has been made. ( B ) No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying, or effectively prevents, the parents of students the right to inspect and review the education records maintained by the State educational agency on their children who are or have been in attendance at any school of an educational agency or institution that is subject to the provisions of this section. ( C ) The first sentence of subparagraph ( A ) shall not operate to make available to students in institutions of postsecondary education the following materials : ( i ) financial records of the parents of the student or any information contained therein ; ( ii ) confidential letters and statements of recommendation, which were placed in the education records prior to January 1, 1975, if such letters or statements are not used for purposes other than those for which they were specifically intended ; ( iii ) if the student has signed a waiver of the students right of access under this subsection in accordance with subparagraph ( D ), confidential recommendations ( I ) respecting admission to any educational agency or institution, ( II ) respecting an application for employment, and ( III ) respecting the receipt of an honor or honorary recognition. ( D ) A student or a person applying for admission may waive his right of access to confidential statements described in clause ( iii ) of subparagraph ( C ), except that such waiver shall apply to recommendations only if ( i ) the student is, upon request, notified of the names of all persons making confidential recommendations and ( ii ) such recommendations are used solely for the purpose for which they were specifically intended. Such waivers may not be required as a condition for admission to, receipt of financial aid from, or receipt of any other services or benefits from such agency or institution. ( 2 ) No funds shall be made available under any applicable program to any educational agency or institution unless the parents of students who are or have been in attendance at a school of such agency or at such institution are provided an opportunity for a hearing by such agency or institution, in accordance with regulations of the Secretary, to challenge the content of such students education records, in order to insure that the records are not inaccurate, misleading, or otherwise in violation of the privacy rights of students, and to provide an opportunity for the correction or deletion of any such inaccurate, misleading or otherwise inappropriate data contained therein and to insert into such records a written explanation of the parents respecting the content of such records. ( 3 ) For the purposes of this section the term educational agency or institution means any public or private agency or institution which is the recipient of funds under any applicable program. ( 4 ) ( A ) For the purposes of this section, the term education records means, except as may be provided otherwise in subparagraph ( B ), those records, files, documents, and other materials which ( i ) contain information directly related to a student; and ( ii ) are maintained by an educational agency or institution or by a person acting for such agency or institution. ( B ) The term education records does not include ( i ) records of instructional, supervisory, and administrative personnel and educational personnel ancillary thereto which are in the sole possession of the maker thereof and which are not accessible or revealed to any other person except a substitute ; ( ii ) records maintained by a law enforcement unit of the educational agency or institution that were created by that law enforcement unit for the purpose of law enforcement ; ( iii ) in the case of persons who are employed by an educational agency or institution but who are not in attendance at such agency or institution, records made and maintained in the normal course of business which relate exclusively to such person in that persons capacity as an employee and are not available for use for any other purpose ; or ( iv ) records on a student who is eighteen years of age or older, or is attending an institution of postsecondary education, which are made or maintained by a physician, psychiatrist, psychologist, or other recognized professional or paraprofessional acting in his professional or paraprofessional capacity, or assisting in that capacity, and which are made, maintained, or used only in connection with the provision of treatment to the student, and are not available to anyone other than persons providing such treatment, except that such Page 829 TITLE 20EDUCATION 1232g 1 So in original. The period probably should be a semicolon. records can be personally reviewed by a physician or other appropriate professional of the students choice. ( 5 ) ( A ) For the purposes of this section the term directory information relating to a student includes the following : the students name, address, telephone listing, date and place of birth, major field of study, participation in officially recognized activities and sports, weight and height of members of athletic teams, dates of attendance, degrees and awards received, and the most recent previous educational agency or institution attended by the student. ( B ) Any educational agency or institution making public directory information shall give public notice of the categories of information which it has designated as such information with respect to each student attending the institution or agency and shall allow a reasonable period of time after such notice has been given for a parent to inform the institution or agency that any or all of the information designated should not be released without the parents prior consent. ( 6 ) For the purposes of this section, the term student includes any person with respect to whom an educational agency or institution maintains education records or personally identifiable information, but does not include a person who has not been in attendance at such agency or institution. ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein other than directory information, as defined in paragraph ( 5 ) of subsection ( a ) of this section ) of students without the written consent of their parents to any individual, agency, or organization, other than to the following ( A ) other school officials, including teachers within the educational institution or local educational agency, who have been determined by such agency or institution to have legitimate educational interests, including the educational interests of the child for whom consent would otherwise be required ; ( B ) officials of other schools or school systems in which the student seeks or intends to enroll, upon condition that the students parents be notified of the transfer, receive a copy of the record if desired, and have an opportunity for a hearing to challenge the content of the record ; ( C ) ( i ) authorized representatives of ( I ) the Comptroller General of the United States , ( II ) the Secretary, or ( III ) State educational authorities, under the conditions set forth in paragraph ( 3 ), or ( ii ) authorized representatives of the Attorney General for law enforcement purposes under the same conditions as apply to the Secretary under paragraph ( 3 ) ; ( D ) in connection with a students application for, or receipt of, financial aid ; ( E ) State and local officials or authorities to whom such information is specifically allowed to be reported or disclosed pursuant to State statute adopted ( i ) before November 19, 1974, if the allowed reporting or disclosure concerns the juvenile justice system and such systems ability to effectively serve the student whose records are released, or ( ii ) after November 19, 1974, if ( I ) the allowed reporting or disclosure concerns the juvenile justice system and such systems ability to effectively serve, prior to adjudication, the student whose records are released ; and ( II ) the officials and authorities to whom such information is disclosed certify in writing to the educational agency or institution that the information will not be disclosed to any other party except as provided under State law without the prior written consent of the parent of the student. 1 ( F ) organizations conducting studies for, or on behalf of, educational agencies or institutions for the purpose of developing, validating, or administering predictive tests, administering student aid programs, and improving instruction, if such studies are conducted in such a manner as will not permit the personal identification of students and their parents by persons other than representatives of such organizations and such information will be destroyed when no longer needed for the purpose for which it is conducted ; ( G ) accrediting organizations in order to carry out their accrediting functions ; ( H ) parents of a dependent student of such parents, as defined in section 152 of title 26 ; ( I ) subject to regulations of the Secretary, in connection with an emergency, appropriate persons if the knowledge of such information is necessary to protect the health or safety of the student or other persons ; ( J ) ( i ) the entity or persons designated in a Federal grand jury subpoena, in which case the court shall order, for good cause shown, the educational agency or institution ( and any officer, director, employee, agent, or attorney for such agency or institution ) on which the subpoena is served, to not disclose to any person the existence or contents of the subpoena or any information furnished to the grand jury in response to the subpoena ; and ( ii ) the entity or persons designated in any other subpoena issued for a law enforcement purpose, in which case the court or other issuing agency may order, for good cause shown, the educational agency or institution ( and any officer, director, employee, agent, or attorney for such agency or institution ) on which the subpoena is served, to not disclose to any person the existence or contents of the subpoena or any information furnished in response to the subpoena ; and ( K ) the Secretary of Agriculture, or authorized representative from the Food and Nutrition Service or contractors acting on behalf of 1232g TITLE 20EDUCATION Page 830 the Food and Nutrition Service, for the purposes of conducting program monitoring, evaluations, and performance measurements of State and local educational and other agencies and institutions receiving funding or providing benefits of 1 or more programs authorized under the Richard B. Russell National School Lunch Act ( 42 U.S.C. 1751 et seq. ) or the Child Nutrition Act of 1966 ( 42 U.S.C. 1771 et seq. ) for which the results will be reported in an aggregate form that does not identify any individual, on the conditions that ( i ) any data collected under this subparagraph shall be protected in a manner that will not permit the personal identification of students and their parents by other than the authorized representatives of the Secretary; and ( ii ) any personally identifiable data shall be destroyed when the data are no longer needed for program monitoring, evaluations, and performance measurements. Nothing in subparagraph ( E ) of this paragraph shall prevent a State from further limiting the number or type of State or local officials who will continue to have access thereunder. ( 2 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of releasing, or providing access to, any personally identifiable information in education records other than directory information, or as is permitted under paragraph ( 1 ) of this subsection, unless ( A ) there is written consent from the students parents specifying records to be released, the reasons for such release, and to whom, and with a copy of the records to be released to the students parents and the student if desired by the parents, or ( B ) except as provided in paragraph ( 1 ) ( J ), such information is furnished in compliance with judicial order, or pursuant to any lawfully issued subpoena, upon condition that parents and the students are notified of all such orders or subpoenas in advance of the compliance therewith by the educational institution or agency. ( 3 ) Nothing contained in this section shall preclude authorized representatives of ( A ) the Comptroller General of the United States, ( B ) the Secretary, or ( C ) State educational authorities from having access to student or other records which may be necessary in connection with the audit and evaluation of Federally-supported education programs, or in connection with the enforcement of the Federal legal requirements which relate to such programs : Provided, That except when collection of personally identifiable information is specifically authorized by Federal law, any data collected by such officials shall be protected in a manner which will not permit the personal identification of students and their parents by other than those officials, and such personally identifiable data shall be destroyed when no longer needed for such audit, evaluation, and enforcement of Federal legal requirements. ( 4 ) ( A ) Each educational agency or institution shall maintain a record, kept with the education records of each student, which will indicate all individuals ( other than those specified in paragraph ( 1 ) ( A ) of this subsection ), agencies, or organizations which have requested or obtained access to a students education records maintained by such educational agency or institution, and which will indicate specifically the legitimate interest that each such person, agency, or organization has in obtaining this information. Such record of access shall be available only to parents, to the school official and his assistants who are responsible for the custody of such records, and to persons or organizations authorized in, and under the conditions of, clauses ( A ) and ( C ) of paragraph ( 1 ) as a means of auditing the operation of the system. ( B ) With respect to this subsection, personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of the student. If a third party outside the educational agency or institution permits access to information in violation of paragraph ( 2 ) ( A ), or fails to destroy information in violation of paragraph ( 1 ) ( F ), the educational agency or institution shall be prohibited from permitting access to information from education records to that third party for a period of not less than five years. ( 5 ) Nothing in this section shall be construed to prohibit State and local educational officials from having access to student or other records which may be necessary in connection with the audit and evaluation of any federally or State supported education program or in connection with the enforcement of the Federal legal requirements which relate to any such program, subject to the conditions specified in the proviso in paragraph ( 3 ). ( 6 ) ( A ) Nothing in this section shall be construed to prohibit an institution of postsecondary education from disclosing, to an alleged victim of any crime of violence ( as that term is defined in section 16 of title 18 ), or a nonforcible sex offense, the final results of any disciplinary proceeding conducted by such institution against the alleged perpetrator of such crime or offense with respect to such crime or offense. ( B ) Nothing in this section shall be construed to prohibit an institution of postsecondary education from disclosing the final results of any disciplinary proceeding conducted by such institution against a student who is an alleged perpetrator of any crime of violence ( as that term is defined in section 16 of title 18 ), or a nonforcible sex offense, if the institution determines as a result of that disciplinary proceeding that the student committed a violation of the institutions rules or policies with respect to such crime or offense. ( C ) For the purpose of this paragraph, the final results of any disciplinary proceeding ( i ) shall include only the name of the student, the violation committed, and any sanction imposed by the institution on that student; and ( ii ) may include the name of any other student, such as a victim or witness, only with the written consent of that other student. ( 7 ) ( A ) Nothing in this section may be construed to prohibit an educational institution Page 831 TITLE 20EDUCATION 1232g 2 See References in Text note below. from disclosing information provided to the institution under section 14071 2 of title 42 concerning registered sex offenders who are required to register under such section. ( B ) The Secretary shall take appropriate steps to notify educational institutions that disclosure of information described in subparagraph ( A ) is permitted. ( c ) Surveys or data-gathering activities ; regulations Not later than 240 days after October 20, 1994, the Secretary shall adopt appropriate regulations or procedures, or identify existing regulations or procedures, which protect the rights of privacy of students and their families in connection with any surveys or data-gathering activities conducted, assisted, or authorized by the Secretary or an administrative head of an education agency. Regulations established under this subsection shall include provisions controlling the use, dissemination, and protection of such data. No survey or data-gathering activities shall be conducted by the Secretary, or an administrative head of an education agency under an applicable program, unless such activities are authorized by law. ( d ) Students rather than parents permission or consent For the purposes of this section, whenever a student has attained eighteen years of age, or is attending an institution of postsecondary education, the permission or consent required of and the rights accorded to the parents of the student shall thereafter only be required of and accorded to the student. ( e ) Informing parents or students of rights under this section No funds shall be made available under any applicable program to any educational agency or institution unless such agency or institution effectively informs the parents of students, or the students, if they are eighteen years of age or older, or are attending an institution of postsecondary education, of the rights accorded them by this section. ( f ) Enforcement ; termination of assistance The Secretary shall take appropriate actions to enforce this section and to deal with violations of this section, in accordance with this chapter, except that action to terminate assistance may be taken only if the Secretary finds there has been a failure to comply with this section, and he has determined that compliance can not be secured by voluntary means. ( g ) Office and review board ; creation ; functions The Secretary shall establish or designate an office and review board within the Department for the purpose of investigating, processing, reviewing, and adjudicating violations of this section and complaints which may be filed concerning alleged violations of this section. Except for the conduct of hearings, none of the functions of the Secretary under this section shall be carried out in any of the regional offices of such Department. ( h ) Disciplinary records ; disclosure Nothing in this section shall prohibit an educational agency or institution from ( 1 ) including appropriate information in the education record of any student concerning disciplinary action taken against such student for conduct that posed a significant risk to the safety or well-being of that student, other students, or other members of the school community ; or ( 2 ) disclosing such information to teachers and school officials, including teachers and school officials in other schools, who have legitimate educational interests in the behavior of the student. ( i ) Drug and alcohol violation disclosures ( 1 ) In general Nothing in this Act or the Higher Education Act of 1965 [ 20 U.S.C. 1001 et seq., 42 U.S.C. 2751 et seq. ] shall be construed to prohibit an institution of higher education from disclosing, to a parent or legal guardian of a student, information regarding any violation of any Federal, State, or local law, or of any rule or policy of the institution, governing the use or possession of alcohol or a controlled substance, regardless of whether that information is contained in the students education records, if ( A ) the student is under the age of 21 ; and ( B ) the institution determines that the student has committed a disciplinary violation with respect to such use or possession. ( 2 ) State law regarding disclosure Nothing in paragraph ( 1 ) shall be construed to supersede any provision of State law that prohibits an institution of higher education from making the disclosure described in subsection ( a ) of this section. ( j ) Investigation and prosecution of terrorism ( 1 ) In general Notwithstanding subsections ( a ) through ( i ) of this section or any provision of State law, the Attorney General ( or any Federal officer or employee, in a position not lower than an Assistant Attorney General, designated by the Attorney General ) may submit a written application to a court of competent jurisdiction for an ex parte order requiring an educational agency or institution to permit the Attorney General ( or his designee ) to ( A ) collect education records in the possession of the educational agency or institution that are relevant to an authorized investigation or prosecution of an offense listed in section 2332b ( g ) ( 5 ) ( B ) of title 18, or an act of domestic or international terrorism as defined in section 2331 of that title ; and ( B ) for official purposes related to the investigation or prosecution of an offense described in paragraph ( 1 ) ( A ), retain, disseminate, and use ( including as evidence at trial or in other administrative or judicial proceedings ) such records, consistent with such guidelines as the Attorney General, after consultation with the Secretary, shall issue to protect confidentiality. ( 2 ) Application and approval ( A ) IN GENERAL.An application under paragraph ( 1 ) shall certify that there are specific 1232g TITLE 20EDUCATION Page 832 and articulable facts giving reason to believe that the education records are likely to contain information described in paragraph ( 1 ) ( A ). ( B ) The court shall issue an order described in paragraph ( 1 ) if the court finds that the application for the order includes the certification described in subparagraph ( A ). ( 3 ) Protection of educational agency or institution An educational agency or institution that, in good faith, produces education records in accordance with an order issued under this subsection shall not be liable to any person for that production. ( 4 ) Record-keeping Subsection ( b ) ( 4 ) of this section does not apply to education records subject to a court order under this subsection. ( Pub. L. 90247, title IV, 444, formerly 438, as added Pub. L. 93380, title V, 513 ( a ), Aug. 21, 1974, 88 Stat. 571 ; amended Pub. L. 93568, 2 ( a ), Dec. 31, 1974, 88 Stat. 1858 ; Pub. L. 9646, 4 ( c ), Aug. 6, 1979, 93 Stat. 342 ; Pub. L. 101542, title II, 203, Nov. 8, 1990, 104 Stat. 2385 ; Pub. L. 102325, title XV, 1555 ( a ), July 23, 1992, 106 Stat. 840 ; renumbered 444 and amended Pub. L. 103382, title II, 212 ( b ) ( 1 ), 249, 261 ( h ), Oct. 20, 1994, 108 Stat. 3913, 3924, 3928 ; Pub. L. 105244, title IX, 951, 952, Oct. 7, 1998, 112 Stat. 1835, 1836 ; Pub. L. 106386, div. B, title VI, 1601 ( d ), Oct. 28, 2000, 114 Stat. 1538 ; Pub. L. 10756, title V, 507, Oct. 26, 2001, 115 Stat. 367 ; Pub. L. 107110, title X, 1062 ( 3 ), Jan. 8, 2002, 115 Stat. 2088 ; Pub. L. 111296, title I, 103 ( d ), Dec. 13, 2010, 124 Stat. 3192. ) REFERENCES IN TEXT The Richard B. Russell National School Lunch Act, referred to in subsec. ( b ) ( 1 ) ( K ), is act June 4, 1946, ch. 281, 60 Stat. 230, which is classified generally to chapter 13 ( 1751 et seq. ) of Title 42, The Public Health and Welfare. For complete classification of this Act to the Code, see Short Title note set out under section 1751 of Title 42 and Tables. The Child Nutrition Act of 1966, referred to in subsec. ( b ) ( 1 ) ( K ), is Pub. L. 89642, Oct. 11, 1966, 80 Stat. 885, which is classified generally to chapter 13A ( 1771 et seq. ) of Title 42, The Public Health and Welfare. For complete classification of this Act to the Code, see Short Title note set out under section 1771 of Title 42 and Tables. Section 14071 of title 42, referred to in subsec. ( b ) ( 7 ) ( A ), was repealed by Pub. L. 109248, title I, 129 ( a ), July 27, 2006, 120 Stat. 600. This Act, referred to in subsec. ( i ) ( 1 ), is Pub. L. 90247, Jan. 2, 1968, 80 Stat. 783, known as the Elementary and Secondary Education Amendments of 1967. Title IV of the Act, known as the General Education Provisions Act, is classified generally to this chapter. For complete classification of this Act to the Code, see Short Title of 1968 Amendment note set out under section 6301 of this title and Tables. The Higher Education Act of 1965, referred to in subsec. ( i ) ( 1 ), is Pub. L. 89329, Nov. 8, 1965, 79 Stat. 1219, which is classified generally to chapter 28 ( 1001 et seq. ) of this title and part C ( 2751 et seq. ) of subchapter I of chapter 34 of Title 42, The Public Health and Welfare. For complete classification of this Act to the Code, see Short Title note set out under section 1001 of this title and Tables. PRIOR PROVISIONS A prior section 444 of Pub. L. 90247 was classified to section 1233c of this title prior to repeal by Pub. L. 103382. AMENDMENTS 2010Subsec. ( b ) ( 1 ) ( K ). Pub. L. 111296, which directed that par. ( 1 ) be amended by adding subpar. ( K ) at the end, was executed by adding subpar. ( K ) after subpar. ( J ), to reflect the probable intent of Congress. 2002Subsec. ( a ) ( 1 ) ( B ). Pub. L. 107110, 1062 ( 3 ) ( A ), realigned margins. Subsec. ( b ) ( 1 ). Pub. L. 107110, 1062 ( 3 ) ( C ), substituted subparagraph ( E ) for clause ( E ) in concluding provisions. Subsec. ( b ) ( 1 ) ( J ). Pub. L. 107110, 1062 ( 3 ) ( B ), realigned margins. Subsec. ( b ) ( 7 ). Pub. L. 107110, 1062 ( 3 ) ( D ), realigned margins. 2001Subsec. ( j ). Pub. L. 10756 added subsec. ( j ). 2000Subsec. ( b ) ( 7 ). Pub. L. 106386 added par. ( 7 ). 1998Subsec. ( b ) ( 1 ) ( C ). Pub. L. 105244, 951 ( 1 ), amended subpar. ( C ) generally. Prior to amendment, subpar. ( C ) read as follows : authorized representatives of ( i ) the Comptroller General of the United States, ( ii ) the Secretary, or ( iii ) State educational authorities, under the conditions set forth in paragraph ( 3 ) of this subsection ;. Subsec. ( b ) ( 6 ). Pub. L. 105244, 951 ( 2 ), designated existing provisions as subpar. ( A ), substituted or a nonforcible sex offense, the final results for the results, substituted such crime or offense for such crime in two places, and added subpars. ( B ) and ( C ). Subsec. ( i ). Pub. L. 105244, 952, added subsec. ( i ). 1994Subsec. ( a ) ( 1 ) ( B ). Pub. L. 103382, 249 ( 1 ) ( A ) ( ii ), added subpar. ( B ). Former subpar. ( B ) redesignated ( C ). Subsec. ( a ) ( 1 ) ( C ). Pub. L. 103382, 249 ( 1 ) ( A ) ( i ), ( iii ), redesignated subpar. ( B ) as ( C ) and substituted subparagraph ( D ) for subparagraph ( C ) in cl. ( iii ). Former subpar. ( C ) redesignated ( D ). Subsec. ( a ) ( 1 ) ( D ). Pub. L. 103382, 249 ( 1 ) ( A ) ( i ), ( iv ), redesignated subpar. ( C ) as ( D ) and substituted subparagraph ( C ) for subparagraph ( B ). Subsec. ( a ) ( 2 ). Pub. L. 103382, 249 ( 1 ) ( B ), substituted privacy rights for privacy or other rights. Subsec. ( a ) ( 4 ) ( B ) ( ii ). Pub. L. 103382, 261 ( h ) ( 1 ), substituted semicolon for period at end. Subsec. ( b ) ( 1 ) ( A ). Pub. L. 103382, 249 ( 2 ) ( A ) ( i ), inserted before semicolon, including the educational interests of the child for whom consent would otherwise be required. Subsec. ( b ) ( 1 ) ( C ). Pub. L. 103382, 261 ( h ) ( 2 ) ( A ), substituted or ( iii ) for ( iii ) an administrative head of an education agency ( as defined in section 1221e3 ( c ) of this title ), or ( iv ). Subsec. ( b ) ( 1 ) ( E ). Pub. L. 103382, 249 ( 2 ) ( A ) ( ii ), amended subpar. ( E ) generally. Prior to amendment, subpar. ( E ) read as follows : State and local officials or authorities to whom such information is specifically required to be reported or disclosed pursuant to State statute adopted prior to November 19, 1974 ;. Subsec. ( b ) ( 1 ) ( H ). Pub. L. 103382, 261 ( h ) ( 2 ) ( B ), substituted the Internal Revenue Code of 1986 for the Internal Revenue Code of 1954, which for purposes of codification was translated as title 26 thus requiring no change in text. Subsec. ( b ) ( 1 ) ( J ). Pub. L. 103382, 249 ( 2 ) ( A ) ( iii ) ( v ), added subpar. ( J ). Subsec. ( b ) ( 2 ). Pub. L. 103382, 249 ( 2 ) ( B ) ( i ), which directed amendment of matter preceding subpar. ( A ) by substituting, unless for the period, was executed by substituting a comma for the period before unless to reflect the probable intent of Congress. Subsec. ( b ) ( 2 ) ( B ). Pub. L. 103382, 249 ( 2 ) ( B ) ( ii ), inserted except as provided in paragraph ( 1 ) ( J ), before such information. Subsec. ( b ) ( 3 ). Pub. L. 103382, 261 ( h ) ( 2 ) ( C ), substituted or ( C ) for ( C ) an administrative head of an education agency or ( D ) and education programs for education program. Subsec. ( b ) ( 4 ). Pub. L. 103382, 249 ( 2 ) ( C ), inserted at end If a third party outside the educational agency or institution permits access to information in violation of | ||||||
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DEPT OF ED/NAVIENT XXXX XXXX XXXX XXXXXXXX, PA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXXXXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXXXXXX XXXX, XXXXXXXX Fl. XXXX, MD XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ). I have opted out of my public information with XXXXXXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ). Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ). The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections. Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX | ||||||
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| Naviant Dispute Im a middle aged XXXX male ( XXXX XXXX ) .I put this in the letter, because the companies that I am complaining about, Navient, Sallie Mae , and XXXX XXXX all know this ; so why shouldnt you? Consequently, I believe this to be the primary reason for the unlawful and predatory treatment that I have received from these companies. I am and have been illegally garnished by Navient Post Claims Assistance ; they have attacked me and my wages, using criminal, intimidating and unethical tactics, they are supposed to be one of the governments guardian companies, a gateway to building a better life ; but instead this company is using illegal means, to keep my student loans in default. I have tried many times to get out of default, but Navient keeps finding new and innovative ways to stop me from attaining this goal every time. Navient has used numerous means of keeping me out of the government aided programs that have been placed for poverty level citizens, like me. I think that you should know that I work for a non-profit company, and I have been employed by them for the last seven years ; this means that I qualify for student loan forgiveness. I work to better our community. In the XX/XX/XXXXI received about 8,000 dollars in unsubsidized student loans ; I was slightly above the level of poverty needed to get subsidized loans or grants for college. Over the years I have been in numerous programs to pay back my student loans, but they are always too expensive : I have XXXX kids to support! I have been in and out of garnishment since XX/XX/XXXX, the original garnishment was for 15 % of my pay ; Im now paying about 33 % of my pay in garnishment, plus family insurance, and taxes : I cant survive, and these companies knowingly keep dealing the punishment. I have been exceedingly and unlawfully bullied by this company and its affiliates, for far too long ; they have used unethical and illegal ways to continuously inflict punishment on me. These companies have pursued me unrelentlessly, which has consequently caused me a lot of public persecution and mental anguish. I have nightmares worrying about what they will do to me next, what other laws they will break so that they can to inflict more punishment ; this company has punished me in every way that they can find. Criminals continuously find new ways to break the laws, they have to stay ahead of the authorities to avoid jail, thats how they stay in business ; deceitfulness is the key. There are millions of Americans that get away with never having to pay back student loans, why do they consistently pursue me? I borrowed XXXX XXXX dollars, more than twenty-five years ago. They are charging me more than forty thousand dollars, counting the interest that they have added on ; with all the payments ( through the years ) that I have made toward rectifying this account ; they arent taking anything off of the principle, I am paying for all the people that have let slip through their hands. I will never get out of their debt ; I am paying on a bill that will never get paid off. I feel like I am being pimped, I go to work and they get paid for the work that I do. Its like they own me, every time I get paid, they get paid. I cant make a dollar, without these companies getting some of it! I think its modern day slavery, oh thats right ; slavery was abolished ; wasnt it? It doesnt feel like it, I have chains around my neck, hands, and ankles ; I truly understand what it feels like to be owned. I have entered and been kicked out of the once in a lifetime program for student loan rehabilitation, twice ( Ha! Ha! Ha! ) And recently they offered it to me again, to me that am the same as admitting guilt. Every time that I get close to finishing it, there company makes up new ways of kicking me out of the program which was designed to help me get out of default. Default for lower income citizen means no credit, no loans, and garnishment on top of that, which means no spare money, its not fair. I work hard for what little money that I make. Navient keeps finding new ways to impose newer and harsher punishment, they are standing on my neck, how I can get up with that type of weight on me ; they are a corporation of bullies. Not anymore, its time I stand up to my bullies! Bullying can only be done behind the scenes ; when a bully is exposed, it takes away their power ; well, if no one else is brave enough to shine a light on them, than I am. In America, Navient is one of this nations biggest and cruelest corporations, of our history ; that's why this company and Sallie Mae have so many class action suits against them. I put this statement in the letter, so that you would know that Im not in a line by myself. I enrolled in one of the newer rehabilitation programs, which was set by our United States Government, to help people get out from under disabling companies, like these Sallie Mae and Navient are the two biggest student loan companies in America. To enter this program you had to be of low or inadequate income, to meet the eligibility requirements ; I meet the required income level to participate in this program. The program stated that if you made ten months, consecutively ; of five dollar a month payments, you would be eligible to get your student loans out of default. I accepted the terms and signed up to enter the program. After the first five payments of five dollars a month, your garnishment would be lifted, and then you would be able to enter another part of the program that allows you to rehabilitate the student loans, at an affordable rate. In this part of the program you would no longer be in default, and you would actually be paying off the student loans. I was quoted about forty-five dollars a month for ten years, in that part, but there branches cant touch you until you are declared out of default. I want to pay off my student loans, the government finally made it possible for a person ( such as myself ), to be able to afford to pay them off, and not have to live in a cardboard box on the streets, to do so. Unfortunately, there is an oversized bully blocking my path to rehabilitation, this company wants to be a part of the problem ; they dont want to be a part of the solution, they are enablers. I want to be in good standings with my student loans and the government, I want the American dream which is to have good credit, so that you can do anything that you can afford, and have the things you want. Naviant is stopping me from attaining my dream : I didnt break any laws, this has happened because I sought higher education. This company is getting very rich punishing people, American citizens, with a microscopic lens on the XXXX XXXX borrowers. If I had known what problems these loans were going to cause, I would have never applied for them, higher education would have had to happen another way, which is the way that most Americans operate today, under educated, and self-taught people ; that wont take out student loans because they dont want to become enslaved to the banking industry. These three companies have targeted many of its XXXX consumers, they havent moved into the twentieth century, yet. XXXX people should have equal rights ; statistically, the banking industry imposes stiffer penalties and higher interest rates on its XXXX consumer : Navient, Sallie Mae, and XXXX XXXX each have reputations for these types of practices. The student loans that are given out to XXXX students, statistically, have much higher interest rates than that of Caucasian students. Why? There is no logical explanation for this type of treatment today ; the constitution says, That all men are created equal. XXXX XXXX consumers have the right to an education, of equal cost, and the opportunity to be educated wherever you can afford to attend. We fought long and hard to get these rights, lots of lives have been lost, so that, I would have these rights : Society has accepted this, why cant they? I thought this country was passed the old Jim Crow laws ; this is another angle towards slavery, if you never get out of debt, you cant be free of the burden. Maybe these companies didnt get the memo ; slavery is over people, let it go! Navient started garnishment of my pay in XX/XX/XXXX, I called them to find out how I could stop the garnishment, and they quickly passed me on to XXXX XXXX. I called and spoke with a representative of the XXXX XXXX collections team XX/XX/XXXX, they were the ones in charge of collection of the garnishment. I made my first XXXX dollar payment on XX/XX/XXXX, and my second XXXX dollar payment on XX/XX/XXXX ; I had to make two XXXX dollar payments in order to start the process of setting me up on a plan, so that I could start the rehabilitation process. These were the first payments, I thought that I was on my way to a bettering my situation and my life. The woman I had spoken with at XXXX XXXX, told me to get a XXXX dollar pre-paid XXXX card and have all the payments come off of that automatically ( she said this was what all of her other clients did ). I went out and got the card as soon as I got paid, and I made my first XXXX dollar payment on the account. Unfortunately, I had been misinformed she misquoted some of the schematics of the program during our conversation ; I was mislead which caused confusion. She told me after the first five payments I would be taken out of garnishment, and that they would contact me ( via US mail ), to let me know what the next steps in the process of the program would be. Our conversation mislead me, it also got me kicked out of their program : I complained, I told them to listen to our conversation ( it was a recorded call ) so they would hear where I had been misinformed by their representative. They agreed I was told that the conversation was miss leading, so the company allowed me to start the once in a lifetime program, again. I was supposed to make ten consecutive payments to complete their part of the program, but she had told me to get a XXXX dollar card, which only covered the first five months of the program, it wasnt enough to cover the whole program. I waited for them to contact me, but they never did : I soon found out why, the garnishment started all over again. Navient let me back in the program again, but I had to start it all over. Ground zero, a new garnishment, the start of the program ( at the beginning ), all over again ; it was unethical, but I was happy they gave me another opportunity, a second chance to do this program over. On XX/XX/XXXX I made my first payment, and the second on XX/XX/XXXX of XXXX dollars. I was determined not to let this sinerial happen to me again. I bought an XXXX dollar pre-paid XXXX ( non-reloadable ). I made sure, I had more than enough money to cover the cost for this program ; I knew that what Navient had done the first time was illegal, and I was determined not to give them the opportunity to do that to me again. I set the payments up to be automatically deducted ( as I had done previously ) ; there was exceedingly more money on the card, I only needed to cover the cost of the ten monthly payments of XXXX dollars a month, I wanted to make sure that I would not have any problem making these payments. I kept making payments and getting garnished, I was quickly approaching month five, thats when the garnishment would be lifted. I was told to call Navient on XX/XX/XXXX, to make sure they would stop the garnishment. I made the call, but they didnt stop the garnishment as they were supposed to. This company continued to garnish me more than {$990.00} to much ; this is how much the refund check they sent me was for, I was overcharged. I was a happy camper I had a refund from the company that has been taking most of my earnings and garnishment stopped, yeah! What happened from here was like a scene out of some kind of espionage/ spy movie ; I couldnt have written this. I did everything that I was supposed to ; my payments were being made on the XXXX of every month, as they were supposed to be : I was on time and on track to finish ; I was almost out of default. I had four payments of XXXX dollar left. In the beginning of XX/XX/XXXX, I called Navient to make sure that everything was going according to plan ( I was compliant, I dotted my Is and crossed my Ts ) : I talked to XXXX a customer service agent ; he assured me that I was on track, I was set to have another automatic payment getting ready to come off of the XXXX on the XX/XX/XXXX. The XX/XX/XXXXpayment came off of the card, as it was supposed to, on XX/XX/XXXX. I called XXXX XXXX in the beginning of XX/XX/XXXX to make sure that I was on track ( I didnt want them finding any issues ). They dont send receipts, this company doesnt let you know anything, you have no idea what was going on with your payments, or your account ; except for the garnishments, they consistently took the garnishments : They dont have to answer to anyone, they are above the law ; at least this is the way they act. The representative told me, I was on track everything was going good ; In the beginning of XX/XX/XXXX I called XXXX XXXX again, I wanted to make sure that I would have another payment coming out on XX/XX/XXXX ( automatically ), just relax sir ; you are on track to finish. On XX/XX/XXXX Navient pulled my account from XXXX XXXX, there was no notification ; I didnt know it had happened. It was an intentional ploy to put me back in garnishment, an illegal technique that worked. There lawyers filed for the garnishment to start again, before I even found out that my automatic payment had been missed. You can tell this company has done this to other people, the crime was premeditated. During slavery days the master cut off the foot of the resistant slaves ; this was to keep them from running away, I think this was their intention. I will never be free master is keeping me chained up. Navient supposedly fired XXXX XXXX ( XXXX ), and XXXX XXXX XXXX took over my account on XX/XX/XXXX. I didnt know that my account had been switched to another company ; by law XXXX cant continue take my automatic payment, and they cant give my card information to XXXX ( which I bet is an affiliate company ), I didnt know that either. Navient blatantly played with the law, and because of this I was kicked out of the program again. There was no way that they could notify me by mail in the time necessary, so that I could change my account ( XXXX- automatic payments ) from one debt collector to the other in the time necessary to make that XX/XX/XXXX payment. I was sabotaged, this company boldly manipulated my rights, and the laws of the land : Navient also tried to make me look like the guilty party, and it worked, my garnishment started over again. I operate by the laws of this United States, why shouldnt they? I have included a copy of the Non-reloadable XXXX that was on file with XXXX XXXX you will see that it still has a {$44.00} balance on it. There was no reason for me to miss that payment, or any of the other payments necessary to finish this program. When I called to find out what had happened there representatives were super mean to me, almost indignant, very, very unprofessional, disrespectful, and degrading. This was an intentional and fraudulent action, and I am the victim of the crime committed. I want restitution, I want a resolution, and I want my money back! I want to be done with this company and the persecuting and unethical ways they do business. I would love to be able to deal with an honest company that operates within the laws of the land : I do! Im not trying to run from my debt, Im just tired of dealing with a governmental loan shark. This company and its affiliates have imprisoned me, life without parole! If I dont say anything, theyll garnish me until the whole loan is paid off : Oh thats right I am only paying on the interest, I will never get to the principal. They have no right to the money that they are taking from me ; they committed fraud to get it, in fact, offering the opportunity for me to do the program again is an admission of guilt. During this process, I had conversations with the representative of their companies ; the conversations were recorded, I had to talk to two and sometimes three people. I have the records of these calls ; the names, times, representatives, and dates of all conversations. Please notify me if you need any of this information, I am willing to be a part and or active participant in this investigation. I say investigation, because laws of this land say, that if you are the victim of a crime, you have a right for that crime to be investigated, I want an investigation. They started garnishing me again ; I called Navient to find out what was going on. I was informed that I had missed a payment. The way that they changed companies, all of a sudden, it was an intentional act. I am paying for their indiscretions ; I complained ( research ticket # XXXX ). I talked to XXXX, Escalations team representative on XX/XX/XXXX she was very nice ( I had dealt with her on the first ticket ), but her boss was very nasty and argumentative, it was XXXX manager, she wouldnt give me her name. These representatives felt as though a call from a new collections company, that I had no idea was involved in this process, was all the notification that I needed. Navient kept the garnishment in place ; I am garnished about {$340.00} dollars every two weeks. I have been garnished unfairly for the last year XX/XX/XXXX to the current date XX/XX/XXXX. I could understand this punishment, if I had not been compliant, but I was. I followed the plan exactly ; I did what I was supposed too! It was a predatory act ; I have more than paid this company what I owe them. They arent even taking any of the money that is being taken from me, off of the principle of this loan ; I have already paid back more than I borrowed its as though I am paying nothing, what a nightmare! I am a firm believer, that crime doesnt pay ; but after what this company has done to me and allot of other American consumers, its truly hard to keep believing this. This company has a tremendous amount of class action suits against it ; I wonder how many of them are because of ethnicity, I bet more than half statistically. I truly believe if I wasnt XXXX XXXX XXXX that they wouldnt have taken the same approach with my account that they have taken. It is my firm belief that I have been discriminated against based on my race ( color ). I am a XXXX XXXX, and very proud of it, I have endured the racism and bigotry of this country throughout my life, some of that will always be there. I am immune to most of it, history has harden me, but what these companies have done ( Sally Mae included ), has bought our past ; very blatantly to our present! I feel like they are treating me, as master would treat a smart XXXX XXXX, they took me out to the shed and gave me a good beating. Please check the statistics, I guarantee many other XXXX consumers have claims against them, very similar to the reasons that I have given, just like mines. These people have endured the same journey that I am enduring ; Im sure that I am just one person, in long line of people with skin just like mine. XXXX XXXX and Navient have used the ambulance chasing lawyers and unethical collections officers that they employ ; to create very specific gray areas in between the XXXX and white writings of the laws of our land. They have done this to commit very calculated, illegal and predatory crimes ; I am one of the victims of these crimes. I was unlawfully kick out of a payment program that I would have successfully finished ( I didnt fail to make the payment on time ; they changed the company that I had to make the payment too ). I had three more automatic payments to make, I had already made six consecutive ( on time ) payments of XXXX dollars a month ; this is the criteria for the program. The new collections company, referred me to Navient, which referred me to XXXX XXXX ; we were trying to get to the bottom of the new garnishment. Once I explained to them that I was set up on automatic payments, plus I still had the card to prove that I was being honest : I still have the non-reloadable Pre Paid XXXX, this card still has about forty-four dollars left on it. XXXX representative told me that Navient would probably just let me finish out the program, without punishment, after I explained the details of the crime that they had committed ( check the recorded conversation ). I called and tried to explain the situation to the Navient representatives, they didnt agree ; their representatives took a very hard and unprofessional stance during the conversation we were having. I have been garnished for the last year ; more than six thousand and five hundred dollars, wrongfully : and over ten thousand dollars, over the last three years. I have paid more than I ever borrowed, this last year was an evil attempt at no good ; the money was illegally, and wrongfully taken from me. I want my money back, I deserve my money back ( especially the XXXX XXXX from the last year ), I am asking for my money back! These companies blatantly broke and rewrote the laws to put more money in their pockets. Its not fair ; I have suffered for their self righteous ways, they are not doing right by the American public. I dont know how many people that they have done this too and gotten away with it ; but I pray that you wont let them get away with it. I hope not to be one of the people that have let this company get away with it again! I am a hard working, honest man, I live by the saying : An honest days pay, for an honest days work. These companies are taking my hard earned money ; they used sneaky, replicated, and rotten techniques to do it. Its robbery, they are robbing me every payday! Whether its done with a gun, or a pen ; robbery is robbery, and thats illegal, its against the law. Please help me fight for my rights ; no one should have to endure the punishment that I have from this company. I have had to sacrifice a lot, I have lost a lot. Please, help me stop the downward spiral, that these companies are trying force upon me. Its not fair now, nor has it been in the past, judge in my favor, please! Its time to put the racist, and their prejudice ways behind us, thats our past, scars that keep opening : Bigotry is ingrained in our history, but if we stand up to prejudice, it wont have to be a part of our future. It has been an honor addressing such great minds ; please, make the right judgment. Thank You, | ||||||
| 09/19/2022 | Yes |
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| XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX From : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Dear CFPB, I am writing this complaint about the company Navient/Navi-Refi XXXX I refinanced my Federal loans with Navient/Navi-Refi. I later found out that I had Federal loans that were fully forgivable for my non-profit place of work, and my time of service, and time paying on my loans, etc. Navient/Navi-Refi may have had some wordings in their loan documents, but these are brief and nonexplanatory, and my complaint and issue is with the fact that I spoke directly to the Navient/Navi-Refi representative before refinancing and not once did they mention Federal vs Private loans and all that this entails, or XXXX XXXX workers, or qualified XXXX XXXX XXXX XXXX XXXX XXXX ; and, moreover, I spoke to another Navient/Navi-Refi representative after refinancing to complain about what had happened to me , and she informed me, twicetwo separate phone callsthat if she had had me on the line to convert my loans, then she too would not have informed me of the varied options, like the XXXX program, and the repercussions of my converting Federal into private loans. And further, this was all occurring in the setting and time when this Federal forgiveness program was being revamped, and when Navient was in the middle of settling significant lawsuits, and on their Navient settlement websites have stated they will be fully informative and that the settlements require conduct reform to retrain their representatives into specialists who will advise distressed borrowers concerning alternative repayment options and counsel XXXX XXXX XXXX concerning XXXX XXXX XXXX XXXX XXXX XXXX XXXX and related programs. ( See attachment # 1 ) The most important lawsuit is the recent Hyland et al. v. Navient Corp., et al, that has been ongoing since XXXX. In this lawsuit the plaintiffs claim that Navient misled federal student loan recipients who are or were employed by qualifying XXXX XXXX concerning their eligibility to benefit from the federal program of XXXX XXXX XXXX XXXX, which is called XXXX. ( see attachment # 2 ). Navient settled this lawsuit, and as part of the settlement agreement, Navient stated that they would design, implement, and maintain specific, substantial procedures to enhance its XXXX-related practices. All of this going on, and the Navient representative says nothing to me about these options. I am an XXXX XXXX XXXX working in XXXX, SC. I have received many unsolicited letters from Navient/Navi-refi over the last years about refinancing. About XXXX of XXXX I did investigate their offerings. I have had my federal student loans, since XXXX. They total {$250000.00}. I had gone through deferments, and forbearances, to the point I had been informed I had used up all those privileges/benefits. I felt I knew I had no Federal benefits left, no deferment, no forbearance, and I never considered the possibility for loan forgiveness for me being a XXXX and with my XXXX salary. I always thought loan forgiveness happened for people that had some personal or financial tragic circumstance that left them with no ability to pay. So, I thought it was a good time to see if there was a better rate and payment plan. I began their process. I did call and talk to a Navient/Navi-refi representative/specialist to ask varied questions about the loans. I spoke to a gentleman but can not remember his name. I had two separate Federal loans, one with XXXX and one with Navient. I thought I was consolidating, or that I had to consolidate. And I was struck by the fact that the Navient/Navi-Refi representative/specialist told me that I could refinance both loans together, or both loans separately, or one loan and not the other, and one loan for 20 years and the other for 10 years, and other variations. I had told the representative/specialist that I thought when you consolidated that all loans had to go together. The representative basically said that was the benefit of refinancing with Navient/Navi-Refi. Not once did this Navient/Navi-Refi representative/specialist mention the words federal loans, or private loans, or XXXX XXXX XXXX XXXX XXXX XXXX Loan Forgiveness. Not once did this Navient/Navi-Refi representative/specialist mention deferment , or forbearance, or loss of federal benefits. Not once did this Navient representative/specialist mention XXXX XXXX XXXX or qualifying XXXX XXXX, or XXXX XXXX XXXX XXXX XXXX Not once did this Navient specialist ask if I worked for a nonprofit or state or federal qualifying XXXX XXXX. My wife, too, is part of these federal student loans. She too is a XXXX XXXX XXXXXXXX, who has worked for the XXXX XXXX XXXX XXXX for over 10 years. Not once did this Navient representative/specialist ask about my wife. It is now obvious to me that the answer to all my questioning about this flexibility with my loans was that I was not consolidating, but refinancing, and more, refinancing into private loans. It was the perfect time for the Navient/Navi-Refi representative/specialist to fully explain, and to be fully informative, but they were not. The Navient/Navi-Refi representative/specialist did let me know that the rates were likely to be as low as they would be going and are very likely going up. And there was a looming deadline for me to sign on XX/XX/XXXX. And so, I did sign. I started my first payment on the new Navient loan about XXXX of XXXX. And it was in XXXX of XXXX that I was working with one of my XXXX XXXX XXXX. We have a large group and a XXXX XXXX XXXX, and I often dont see one XXXX for weeks, and it is a very busy department, and we often just dont have time to have personal talk. But this XXXX had papers next to him for forgiveness of his federal student loans, and I asked about it, and he told me another XXXX in our group had had loan forgiveness. That XXXX just happened to be working on the other side of our department and I went and asked him. And he told me that he had had {$150000.00} of Federal student loan forgiveness. He had found out about the program from one of our XXXX administrators he knows socially. I said to this XXXX, how could you get loan forgiveness, you are a XXXX, like me, and make over {$300000.00} in a year. And he told me that he too had thought that, but through the process he had learned that in this program there was no salary contingency, and that we are XXXX XXXX XXXX and work for a XXXX XXXX and if you work long enough here and have been paying for 10 years on your loans, you can get forgiveness. He showed me the U.S. Dept. of Education website that I could go to and see to get the paperwork. I got home that night. I pulled up the U.S. Dept. of Education website and searched and found all the pertinent information and almost wept for what I was reading. I honestly and truly never felt there was any benefit like this for me with my federal loans. And then I started to think about the Navient/Navi-Refi representative/specialist and how I had asked many questions, and about the fact that not once did the Navient/Navi-Refi representative/specialist inform me about any of these options . That they did not bring this up in any way whatsoever, in the face of all my questions. I then looked up Navient online and I was rather shocked to see that they had been going through lawsuits for years over these very matters. Navient details it all on their settlement websites, and how the Navient sites say they do not admit any guilt, but they would pay the settlements, and how they were going to be so much better, the settlement required them to be so much better, and there is wording that Navient will re-train their representatives to fully inform consumers like me, to ensure full disclosure. And again, that Navient must train specialists who will advise distressed borrowers concerning alternative repayment options and counsel XXXX XXXX XXXX concerning XXXX XXXX XXXX XXXX ( XXXX ) and related programs. And again, the XXXX case, which is one hundred percent on point for me. For exactly what XXXX accused Navient of, Navient did exactly to me. Now I vaguely remembered anything in the Navient loan documents about what it means to change my Federal to private loans. I had to go back to the loan itself and read it all again, and there were the brief notes about losing Federal deferment and forbearance and forgiveness. But I am a XXXX and I know I have no deferment or forbearance left, and as a XXXX I know with my salary that there is no way I would qualify for forgiveness. And I then I saw the reference to the federal student aid site. I honestly dont remember seeing this at all. But then, I would not have given this a thought. I am a XXXX who has been out of school for 20 years and have had my federal loans for these 20 years, and so why would I need a student loan site? Again, I kept thinking about my interaction with the Navient/Navi-Refi representative/specialist . Not one mention of Federal loans. Not one mention of private loans. Not one mention or question about where I work as a XXXX XXXX XXXX and my time with my employer, and not one mention of the U.S. Dept. of Educations recent PSLF limited waiver opportunity. And I must admit I got a little angry. Yes, there was some wording in the Navient loan documents, but this is limited. It is certainly not fully informing, especially to the degree that Navient says they are required to do per their settlement agreements, and the promises on their settlement informational websites. And Im a fairly intelligent XXXX. I saw the brief note in the loan document but knew it did not pertain to me. But the notes in the loan documents are quick, brief, and do not well detail or explain. Certainly nothing like Navient does explain on their settlement information websites. It would have taken just one simple comment from the Navient representative/specialist. Just a word about changing my Federal to private loans, or just a word about XXXX XXXX XXXXs and qualified XXXX XXXX, and I would have said simply what I thought to be true, that I have no benefit left and have used all my deferment and forbearance and that I am a XXXX making over $ XXXX and would never qualify for any forgiveness. It would have started the appropriate conversation for my options, and fully informed. And I would not have signed. But then, this did not have to be a happenchance conversation because Navient has promised on their website that full information and disclosure will come from their newly trained representative/specialists because that is part of their settlement requirements. Navient was required to seek out and counsel XXXX XXXX XXXX, like me, concerning XXXX XXXX XXXX XXXX So, I then called the Navient/Navi-Refi company directly XXXX I spoke to a nice Navient/Navi-Refi representative/specialist named XXXX . I asked to talk to someone at a higher level of charge but was told they do not take calls. I began to briefly explain what had happened, and when XXXX heard some about my ability to get loan forgiveness she then in about 60 seconds explained fully and entirely how there is a new push for forgiveness, how I can go to the student-aid-gov site and see if my job qualifies, that I have to be there for 10 years and paying on my loans for 10 years, and how my salary has no effect whatsoever on my ability to attain Federal loan forgiveness, and that my loans are likely older and that I would need to consolidate them into direct loans first, and more. I was shocked that she knew so much. I said to her, where was she, and all this information, when I first called Navient and was considering refinancing my loans for this is exactly what I needed to hear. XXXX then said something that did shock me. She said that, honestly, if she had me on the line to convert my loans then she too is not going to mention Federal vs private loans and all these alternatives and options and Federal Loan Forgiveness. She says she knows that sounds hard, but their job is to get me to sign, and they know there is some wording in the loan documents. XXXX actually said this to me a second time on another later phone call. It continues to shock me in the setting of how it contradicts all that Navient has on their settlement websites as to their settlement requirements, and what Navient promised to do. XXXX was nice to me with all our many conversations. She said she felt bad for me, and she would take this to the higher-level people there. She then called me the very next day and told me that the higher-level people there told her to get my XXXX EIN number and get my time of employment and my time paying my loans to see if I did qualify for forgiveness because they could reverse what had happened to me. XXXX took all the information, looked up my EIN number on the student-aid-gov site while I was on the phone, and determined that my XXXX did qualify, and that I did qualify for Federal loan forgiveness. She said she would get this information right out to the higher-level people, and said she felt there was good hope for getting my situation reversed and then I can start the loan forgiveness process. It was about a week later that XXXX left a message to call her, and she told me that the higher-level people had said the wording in the loan documents did mention forgiveness in a couple places and that sufficed to inform me, and that they would not be doing anything further for me. I then reiterated the unfairness of all of this. Again, I told XXXX that in the face of all that Navient had promised that I was not fully informed. XXXX again said, honestly, if I had you on the line to refinance your loans then I am not telling you about Federal vs private loans and all that entails. I told XXXX but the Navient websites say that is exactly what you should do. And XXXX then tried to distance herself from Navient saying that we are Navi-Refi . She then told me she feels really bad for what happened to me, and she was sorry it couldnt work out better. I was struck by this, because XXXX had basically admitted that she too would not have informed me and thus would have left me in the same state. Then on XX/XX/XXXX I received an unsolicited email from an XXXX XXXX, XXXX XXXX, of the Navient company. She later sent me copies of the loan documents where the brief notes about loss of federal deferment, forbearance, and forgiveness ; and the note for the student-aid-gov site. Again, Navients posture is that this was enough to inform and there was nothing else they could do. My reply to her was via email, like what is in this letter. It took a month for Navient to reply. I got a brief letter from Navient that stated that during the call I had had with the Navient representative/specialist that I was informed that I would lose federal benefits, including repayment and deferment options. This is shocking. This is one hundred percent false. I wrote this back to the Navient customer advocate that this is a complete fabrication, and false. That I was definitively not informed of any of these options by the Navient representative/specialist. Did Navient really review my call with their Navient representative/specialist? Because if they did then they would have to see that there was absolutely zero information given about these issues/options. I asked the Navient advocate for a true audio copy of this call, but that has not been forthcoming. Regardless, for Navient to say I was informed by their representative/specialist is preposterous. Does Navient really think it would make any sense, in any shape or form, that if I was informed that my {$250000.00} of federal loans could be fully forgiven that I would still choose them? And I realized that this Navient company is not going to be fair and true and is potentially choosing a dishonest path. Thus, I must find other help for remedy. I am an XXXX XXXX XXXX I see XXXX for a myriad of problems. Some very serious. I may see a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And they may be safe to leave our XXXX XXXX And in their discharge instructions there will be a note about their diagnosis that is helpful. But this note alone would not be sufficient. What the patient must have is the XXXX. I am not only legally bound, but ethically and morally bound to ensure my patients are fully informed. I must go to them and talk to them about everything that we have done in the XXXX XXXX XXXX XXXX XXXX XXXX and what that means for now and for the future, and XXXX, and next steps to take, etc. If I do not do this then I undermine the XXXX XXXX to the point that I could be held legally liable. There is always the legal side of things, but I fully inform because I am ethically and morally, and duty bound to XXXX XXXX In this present case with Navient. I am the patient, and they are the XXXX They are the experts. They know they are. They have shown to be fully knowledgeable about all options available to consumers seeking their guidance. I was one of those consumers. I spoke directly to a Navient/Navi-Refi representative/specialist and they did not fully informreally the reversein what appears to be purposeful avoidance. The representative/specialist did let me know I was getting in at the right time, that rates would be going up, and there was the looming deadline to lose it all. And then I spoke to XXXX, another Navient/Navi-Refi representative/specialist , who well knew and disclosed all of what my options had been, but then said, twice, on two different phone calls, that she understood what the other Navient/Navi-Refi representative/specialist had done, and that she too would not have informed me of my options when considering refinancing my Federal loans, because she said their job is to get us to sign. It must be inferred that this is apparently what is taught at Navient. And that Navient is betraying their required settlement agreements. One would have to deduce this because my initial encounter with the Navient/Navi-Refi representative/specialist had every opportunity from my questioning to fully inform but chose not to, and the reason was given to me by the second Navient/Navi-Refi representative/specialist, XXXX, who twice said she would do the same thing, and not inform. This all flies completely against what Navient has promised to do on their settlement informational website. Moreover, it flies against what Navient has promised to do due to the lawsuit and due to the settlement requirements for which Navient says they are legally bound and required to do. From what Navient has in their post-lawsuit settlement websites one would expect something significant when speaking to their representative/specialists. From what Navient has stated on these websites one would expect a retrained Navient representative/specialist to have a beginning monologue and speech scripted by Navient where they speak to federal to private loans and what this means, and the federal forgiveness program, and counseXXXX XXXX XXXX XXXX concerning XXXX XXXX XXXX XXXX . A consumer like myself would expect upfront questions to be scripted by Navient with questions like, are you a XXXX XXXX XXXXr, and do you work for a qualified XXXX XXXX, etc. I have asked Navient for remedy, but they declined. I had been told that they were seeking to reverse my situation to allow me to seek the forgiveness that I obviously qualify for, but then was turned away by Navient. Do I have some responsibility here. I have thought hard about this, and honestly, I dont feel I do. I recognize there were notations in the loan documents, and Ive spoken to this. But I feel these notations in the loan documents, at best, should have been simple reminders to what should have been spoken about between me and the Navient representative/specialist, as was required by Navient in their settlement agreements. But this did not happenthey did not inform one single bit. Nothing. And I truly felt I had no Federal benefits left. Navient is the expert here. Navient just went through years of lawsuits and has openly made the promise to re-train and have their representatives/specialists fully inform consumers like me. I feel Navient must see this for what it is : their failure to fully keep their legal promise to fully inform per Navients settlement promises to fully seek out and inform XXXX XXXX XXXX like me. And Navient must see this from their legal, ethical, and moral obligation and viewpoint, and then provide me remedy. And that remedy should be to provide me the avenue to fully forgive my loans, as my federal loans would have been forgiven. Navient must admit that they hold the responsibility here, being the expert, and they must admit that their re-trained representative/specialists should have fully informed me, as Navient has promised and as Navient is bound by their recent lawsuit settlement promises. Again, all of this, right in the middle of Navients lawsuit, XXXX, et al. v. Navient Corp., et al, where Navient was accused of exactly what they have done to me. Navient has been dealing with this XXXX lawsuit since XXXX. Navient has been for years right in the middle of fighting against accusations that Navient did not fully inform or that they misled XXXX XXXX XXXX employed by qualifying XXXX XXXX concerning their eligibility to benefit from the federal program of XXXX XXXX XXXX XXXX. It really defies logic that Navient then went and did the same thing to me. If Navient has any sense of right and wrong, then they must see this for what it is and provide me remedy. Navient, in varied areas, claims to be a National leader. I have asked Navient then to please lead. I now come to the CFPB in the hope to show Navient that they still have the chance to do so. Sincerely, XXXX XXXX, XXXX. | ||||||
| 12/15/2019 | Yes |
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| In XXXX I was XXXX years old, I started working for an XXXX XXXX company. It was the beginning of the dot com boom and the start of the internet. I was only out of high school for a couple of years and though I had attended a XXXX college I was unsure of what to do with my life. After working at this job for about a year and a half I was so fascinated with the internet and I wanted to design websites. My boss told me youre a girl, you wont be able to learn that this statement lit a fire in me and I was determined to learn. I started looking around for programs, it was difficult to find at the time because it was the beginning of the internet age so there were not very many programs out there. I saw a commercial for XXXX XXXX XXXX XXXX XXXX XXXX, it said Study multi-media at the, get a good job working on the world wide web I thought Wow! This is exactly what I have been looking for. I went to the school the next day to get information, I was so excited to learn. The dean of students at the XXXX XXXX came into the financial office while I was there speaking with them. He introduced himself to me and asked what my goals were. I told him and then he started going into how amazing the program was and how much money I will make with that type of degree. This got me more excited! The financial aid office then told me I needed to into this room so they can explain the loan process. I was told that I would have low payments after graduation, they told me my payments would be {$50.00} per month. Everything sounded really great, {$50.00} per month is affordable, sign me up, I want to learn. I started going through the admissions process, I told them I had previously attended the XXXX XXXX College for 2 years and I have a number of credits that I can transfer so I could save some money on some of the required courses. I had taken XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and a few other courses. They told me that I couldnt transfer my credits because the colleges dont have the same accreditations and I would have to re-take these courses. At this point I had just had a birthday so I was XXXX years old, neither of my parents had attended college, I had no guidance on what the right thing to do was. I thought these people were professionals and they knew better than me. I was so excited to take the courses that they preyed off of my ignorance and excitement. It was 2-3 weeks later that I started school, I began having some problems from with my education within the first quarter. The first problem was my English class, I had a teacher that had no control over her classroom, there was some kid in the back that would come in a play with the mini blinds, pulling them up, dropping them down over and over again. He was a disruption to the course and he would also interrupt the teacher, disturb other students and get so loud that would couldnt hear the instructions. I went to the teacher after the second class and talked to her about, I explained that she needs to get control over her classroom because there are too many people paying too much money and actually want to learn. She said she would discuss the problem in the next class. The next class happened and she said nothing, this kid in the back was doing what he always does. I sat in the front row center of the classroom and every time he would do something I would look the teacher dead in the eyes, she did nothing. Finally when there was about 10 min. Left of class I was over it, I stood up and ripped into him telling him if he didnt care about his education then he needs to get out. The whole class applauded the guy was embarrassed and he left the classroom. After the class was over I went to the dean and told him what happened and asked to be transferred to a different English class, I wanted someone that would have control over their classroom so I could learn. As it turns out, the teacher was the deans WIFE! He refused to move me from the class, honestly, I learned nothing from that class, ha, look at my writing here, its not college level. What you are reading right now shows that I did not receive the education I paid for. The second incident, which was also in the first quarter and a HUGE issue for the school was that the computer labs did not function correctly. Half the time they would be closed, we couldnt get into them to do our work. I was told that they had State of the Art computer labs, but the computers didnt work. The entire student body was really upset about the problem so I started a petition. I had 85 % of the students sign the petition to get us new equipment or we would file a formal lawsuit. They did end up getting some new equipment but it didnt cover all of the labs. I would say that the petition solved the problem by about 40 %. Because it was an improvement and all of us students were dealing with the worst of the worst we accepted it and felt it was a partial victory. The third issue was the actual teachers, very often they wouldnt even show up to class. There would be a classroom full of students, waiting 10 to 20 min into the time when the class was supposed to start I would go to the dean and say we have no teacher again He would come to the classroom and dismiss us. This happened at least once a week so we still paid for the class but we didnt have class. I missed out on so much instructional time because of this problem. At the end of the first quarter, I knew this school wasnt what it said it was so I went to the administration office to drop out. They sent me to financial aid and financial aid scared me into staying in. They told me that I had already taken 5 courses at {$1000.00} per class plus admin fees, etc. and if Ieft now without finishing my loans would start in on repayment the day that I left the school. They told me that if I drop out no other school would accept me and I would never be able to finish my education if I didnt stay. I didnt know how I was going to start paying that money back right away. I was working out a XXXX XXXX at min. Wage, back then it was {$5.00} per hour. I had rent, utilities, insurances, I was barely getting by already I didnt know how I would pay more per month I couldnt afford it so I stayed in school. After 2 years of being at the school, in XXXX of XXXX, I got so sick that I was hospitalized, I had a rare form of XXXX XXXX that made was going undetected in XXXX XXXX tests so they couldnt figure out what was wrong. I was sick for over a month, I fell behind in school so my mom came into town and went to the school with me to try to work things out. They told me that there was nothing I could do to make up for what I had missed while I was sick so they recommend I not finish the current quarter and come back for the next. This made sense to me at the time because the quarters were only 5 weeks and I had missed 3 of them. I still got charged for the classes, I didnt receive a single refund even though I didnt attend a single class due to my illness. So I took the rest of the quarter off, I had to dates for the enrollment for the next quarter which was only about 2 weeks after I left. I went up to the school and to my surprise, I couldnt get back into school. They told me that I had exceeded the amount of money that financial aid would give me in loans so I couldnt come back unless I had the cash to pay, I was done, it was over. I spent $ XXXX on an education that did not provide me with what I needed to succeed and I couldnt finish. Shortly after that, I moved back in with my mom, I couldnt afford to live on my own. She got me a job at the XXXX XXXX XXXX and I started working as an XXXX XXXX making {$9.00} per hour. My loan payments started, I received my first bill and to my surprise, it was nearly {$500.00} per month not the {$50.00} that I was told it would. Turns out the school conveniently left out some information, that {$50.00} was per loan and I had several of them at this point. I was trapped at my moms house making just enough money to pay for my car to get to work and my student loans. I was looking for more work so I could move out of my moms house. I did all kinds of things, I worked as a XXXX XXXX for XXXX and XXXX XXXX. I started making XXXX XXXX out of my XXXX XXXX and XXXX it, I got an evening job working for a company that provided XXXX XXXX for XXXX XXXX XXXX. I still didnt make enough money to pay the loans and move out. I ended up living with my mom for 3 years. How I moved out of my moms house was dumb luck. I applied for a job as a XXXX XXXX for a company called XXXX XXXX, I went in for an interview and didnt get hired. The head of human resources liked me a lot but the person in charge of the department thought another candidate was more qualified. 8 months to a year later I got a call from the human resources director, she told me she had been really impressed with me before and wanted to know if I was interested in coming back to interview for the job again because the person that was hired before was leaving already, of course, I said yes! I went back and interviewed again and the head of the department chose someone else for the position, again. The call I got from the human resources person was different this time though. She said that I was turned down again for this job but she did have another opening in the XXXX XXXX and wanted to know if I was interested. The job was an XXXX job, basically doing XXXX XXXX and it paid $ XXXX per year. I didnt care what the job was, sign me up! I actually got this job and worked for the company for a year and a half. In XXXX of XXXX I left because I got another job over that paid me $ XXXX more. My new job was at XXXX XXXX XXXX, I was an XXXX to a XXXX, again doing XXXX XXXX. I never let go of my dream to be a designer so I started going to book stores to find instructional books on graphic arts and how to use programs. I found these AMAZING books written by XXXX XXXX, she later went on to create XXXX an awesome tutorial website where you can learn just about anything for {$30.00} per month. Her books and website taught me what I should have learned at the XXXX XXXX, they were a godsend! I can not express how grateful I was to discover her books. I learned XXXX, XXXX, XXXX, and XXXX in less than 6 months and I started freelancing on the side of my full-time job. The cost for me to learn this stuff {$200.00}, thats it! As I am writing this I am shaking my head and trying my best not to cry, on one hand, I am so happy that this amazing woman created these books that provided me with the education I needed to fulfill my dream, on the other hand, I got completely ripped off paying $ XXXX for a useless education that I cant even put on a resume because going to that school is a joke to employers, it makes me extremely sad that I went to the XXXX XXXX XXXX. What a waste of time and money for something I learned on my own for {$200.00} in 6 months time. I worked at XXXX XXXX XXXX until XXXX of XXXX and the real estate crash happened. The salesperson I was working for had one client that was really her bread and butter, that client was XXXX XXXX XXXX XXXX XXXX. Needless to say, I lost my job, I got offered a severance package and I had to make a big decision. I knew what was happening, people were losing their jobs all over the place, I knew to find another job was going to be extremely difficult. So I crunched numbers, and I knew I had to leave XXXX XXXX, I couldnt afford to live in the city that I grew up in, the city that I loved. With the money, I got from my severance package and the unemployment that I would receive I could live for 6 months plus pay for a move to XXXX. If I stayed in XXXX I had 2 months before I was in big trouble financially, I had to leave and it broke my heart. XX/XX/XXXX, I arrived at my new apartment in XXXX XXXX XXXX. I began looking for work within the first week that I got there after my stuff arrived which I had shipped in a moving container. I had a spreadsheet that I used to keep track of jobs I applied to, so many graphic jobs that I couldnt get because my education was not from a university. That year I applied for over 300 jobs, didnt get one of them. I spent the time I wasnt using to look for full-time work doing freelance gigs to get me by. I started advertising on XXXX and working with start-up companies making logos and business cards etc. This got me through, I had money to eat and put a roof over my head. I started renting my car out to my neighbor so I could afford to make the car payment. I ended up moving in with a roommate so my rent was only {$400.00} per month. In XXXX my unemployment ran out and I still could not get a job, my student loans defaulted. The loan companies started calling all of my family members and even some of my friends, I was humiliated, it caused problems with some of my family, they were angry with me for the harassment they received, some of those relationships are still not repaired. Especially the one with my Aunt that co-signed on one of my loans. I was XXXX, I felt alone my family was disappointed in me. I felt like an outcast, I didnt see my family for 10 years at this time, first because I couldnt afford the trip, then this happened and I didnt feel welcome anymore. Now I am crying, reliving this as I am writing this is really hard. I had nothing, no money, no support, no family. These loans destroyed my life. My credit was shot I actually got this interview with a company, I went through a test process, interview process and I was so close to getting the job. Then they did a credit check on me, saw the loan default and I was out. There I was XXXX years old making no more money from when I started my education and a bill I couldnt pay that took everything that was important to me way from me. Around XXXX a friend of mine approached me asking for custom party designs for her husband 's surprise XXXXXXXX birthday. She sent me a link to a page that was on XXXX. It was a page for digital party supplies that had a golfer theme. I agreed to create it for her which isnt really relevant to this story because what I got out of it was that link. After I did the work for her I investigated the link. That was when I realized this woman was selling digital party files! I thought, Hey, wait a minute, I can do this. In XXXX of XXXX I started my XXXX shop. In XXXX made my first sale within the first week of having my shop up. I was so excited! After the first one, I started getting orders every couple of days. I couldnt believe people liked my designs so much! I was so grateful too, you have no idea! Right before I created my XXXX shop I had just gotten ripped off by a client, she owed me {$1500.00} and I got nothing. I spent 2 weeks on a project to get {$0.00} for doing it, I was in financial ruins! I had {$37.00} in my bank account and I used {$13.00} of it to start my XXXX shop. I made that {$13.00} back within the first week. In the first 2 months, I had 27 sales and it was during the holidays so I was off to a good start. Since then I also found XXXX and started uploading graphics to sell there as well. XXXX and XXXX allowed me to keep getting by. All this time I have always looked for work, sent resumes out, etc. In XXXX of XXXX, now living in XXXX XXXX XXXX ( The way I ended up in XXXX is XXXX got more expensive so I made another move for cheaper rent ) I got a call for an interview with this company called XXXX. On XX/XX/XXXX, I got the first job that I had in 10 years! Finally, someone hired me! I was making all of {$15.00} per hour I still have my XXXX and XXXX shops on the side so I was actually doing a little better, I even got one of my loans paid off! Then it happened again, the company I was working for wasnt doing well. My full-time job went to part-time in XX/XX/XXXX. Now I am barely getting by, again and sending out resumes, working on my shops trying to bring more money in that way. This job stayed part-time until XXXX when the owner closed the office. I do still work with him doing freelance work but guess what I am unemployed again! I had 1 job in 10 years ( insert eye-roll ). I had interviews this here with the following companies : XXXX and XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I have been turned down for all of them because as they all say After careful consideration, we regret to inform you that you have not been selected for this position. 20 years later and I am not qualified for full-time XXXX work because I was not given the proper education. You see these loans are not just about the money its so much more than that because of the tactics of the creditors they destroy families. They depress people, they make you feel like you are the scum of society because you cant afford to pay them. They take every opportunity away from you and destroy any chance you have of living a normal life. I am XXXX years old now, I downloaded the details on my loans back in XXXX of this year. I have paid $ XXXX on my loans that started at $ XXXX. Because of the defaults, interest rates, late fees my loans are at $ XXXX. I am even WORSE off than when I started. I do pay some on my loans but I cant afford a lot and I started focusing on 2 loans at a time because its all I can do. The loan that my Aunt Co-signed on, she paid for a lot of those payments when I was at a time where I could pay nothing, that loan never defaulted so I am paying that one now. I had another one that I just paid off in XXXX of XXXX. So now I started paying on a different loan, I am working on it. I am really doing the best that I can. I want people to understand that because I went to this school, I have never gotten a job that has supported me enough to pay the high payments that are needed to stand a chance to pay these loans back. Because of these loans, I can never have children, I have never been in a financial position where I could afford to have a child. Because of these loans, I can never get married, the debt will be passed to my spouse. Because of these loans I will be in debt for the rest of my life. I will never own a home, I will never have a vacation and I will never have a family of my own. I am imprisoned by these loans, XXXX XXXX XXXX took away every single chance I ever had of a normal life. So you see, its not about the money, the things that school took from me are things that money cant buy. I am sick over the fact that someone that was born with a silver spoon and worth {$5.00} BILLION is making decisions for people like me. What Ms. XXXX has done is XXXX XXXX, she doesnt have any clue what real life is. I need to make decisions that are good for the students and the taxpayers Okay, I have a resolution for that. Every single executive and business owner that has been involved with STEALING PEOPLES LIVES take all of their money. Garnish their wages, seize their bank accounts, take their tax refunds. They are the thieves STOP PUNISHING US! Take their homes from them, sell those homes and pay the students back! You dont need to take from the students or the taxpayers you need to get the money back from the banks and businesses that took it in the first place. Oh but that would be a bad idea for Ms. XXXX right she has financial interests in this money, I mean what kind of life can you live by only having a couple of billion dollars and only one yacht? That is so horrible, what a terrible live, poor poor XXXX without {$5.00} billion her life would be a tragedy wont it? I am angry about this if you cant tell by my words Ms. XXXX is the modern-day American XXXX XXXX. She sits on one of her 10 yachts drinking champagne and eating caviar while looking down at us peasant, low life students saying let them eat their loans, I am rich so I dont care, dont take my money take it from the lower part of society, my life is worth more than that. I have news for Ms. XXXX, class is not within the money, it's in character and her character ... I have no words to describe the indecency of your character. But my words mean nothing, ha she didn't even care what the federal court said so what I say is nothing, she is above the law, she is the queen, right? So take her to the courtyard and deal with her the way the XXXX did in XX/XX/XXXX. I never thought that this was would be my country, I grew up being proud to be an American and now it makes me sad to say this but I am now ashamed. The things that our leaders are doing to the people of this country, the greed that is poisoning the hearts of the people have created a country that I dont even know anymore. Its time for our leaders to do what is right for the people of this country and prioritize that over their bank accounts ESPECIALLY when their bank accounts contain more money than anyone can spend in their lifetime. You can start by giving us back the money that we deserve to get back. Let me get a start in life, I am XXXX, its now or never I am doing the best that I can and without this relief, I fear I never will get a chance to really live. | ||||||
| 04/23/2021 | Yes |
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| Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ 1000+ per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT! Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul mis reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT # 1 Dept of ED/NAVIENT - Alleged Late Payment XX/XX/2019 NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information. 1. Tell me in writing what information you refuse to remove and why. 2. Tell me in writing what you did to determine that the information was accurate. 3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at the address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. Further, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, perso nal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within a timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below. Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. | ||||||
| 03/22/2018 | Yes |
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Web | Servicemember |
| UNFAIR PAYMENT PROCESSING : 1. Since XX/XX/XXXX, I attempted to pay my loans by mailing a check through an external bill payment system with my bank ( XXXX XXXX ) : 2. On XX/XX/XXXX, my bank ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX. 3. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX. 4. On XX/XX/XXXX XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 5. OnXX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX 6. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 7. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 8. OnXX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX. 9. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX PA XXXX. 10. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 11. OnXX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX. 12. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 13. OnXX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX, XXXX, PA XXXX 14. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 15. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX. 16. OnXX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 17. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX. 18. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 19. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX. 20. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX PA XXXX. 21. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 22. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 23. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 24. OnXX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 25. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX PA XXXX. 26. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 27. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX. 28. OnXX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 29. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX. 30. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 31. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX. 32. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 33. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 34. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient, XXXX XXXX XXXX XXXX, PA XXXX. 35. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX GA XXXX. 36. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 37. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient to their payment address at : Navient - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX GA XXXX. 38. On XX/XX/XXXX, XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 39. On XX/XX/XXXX, ( XXXX XXXX ) executed an electronic payment of {$96.00} to Navient, to their payment address at : Navient - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 40. On XX/XX/XXXX XXXX XXXX received a returned payment from Navient of {$96.00}, and was required to make a credit adjustment and return those funds to my account. 41. On or aboutXX/XX/XXXX, I received a letter from Navient that my XXXX XXXX XXXX XXXX loans were past due, and that I was required to make a payment of {$380.00} by XX/XX/XXXX. A copy of that letter is attached as Exhibit A 42. I responded to this letter on XX/XX/XXXX and specifically inquired why my loan accounts were not in good standing. A copy of that letter is attached as Exhibit B 43. OnXX/XX/XXXX, Navient specifically informed me that : 44. I have reviewed your account and our records indicate you're not enrolled in our Auto Pay program. If you set up automatic payments with your bank 's bill payment service, please contact your bank to determine why payments have not been made. You-may need to verify that your bank has all of your student loan account information entered correctly. Please know that your account is currently 82 days past due in the amount of {$1100.00}. The next monthly payment of {$380.00} is due on XX/XX/XXXX. Therefore, the total amount due by XX/XX/XXXX, is {$1500.00}. A copy of that letter is attached as Exhibit C 45. On or about XX/XX/XXXX, I viewed the online records provided by my bank ( XXXX XXXX ) to determine whether my loan payment checks were being forwarded to Navient as instructed, and learned that every one of my weekly loan payments was being returned to the bank by the Navient. 46. At no time during the months that I made my loan payments was I informed by Navient that my payments were objectionable in some manner, nor did they explain the reason for the return of the checks. 47. OnXX/XX/XXXX, I wrote another letter to Navient inquiring why my loan payment checks were being denied, and explaining the financial burden those returns placed on me. A copy of that letter is attached as Exhibit D 48. Based on Navients purposeful refusal to honor any of my loan payments, my student loan account has been defaulted. 49. One of Navients primary responsibilities as a student loan servicer is to process payments made on my student loan account. 50. Navient did not have adequate processes and procedures in place to sufficiently address the errors it made in the processing of payments I made, even after I explained the problem and requested help. 51. I did not submit payments through Navients online portal, but instead submitted my payments by mailing a check or through an external bill payment system operated by my bank ( XXXX XXXX ) where I had a checking account. 52. The payment of the overdue balance at this time would impose a double payment penalty on the me because of Navients actions in purposely refusing to accept my loan payments caused to unwittingly spend funds each week that I believed were in my account to be spent.. 53. Because Navient did not make its payment allocation methodologies clear I had no way of knowing in advance how Navient might reject my payments, or know I would end up in default even if I made regular payments. 54. Navients refusal to accept my payments from my bank has resulted in me incurring improper late fees, increased interest charges, the furnishing of inaccurate negative information to consumer reporting agencies, and the loss of certain benefits. 55. As shown by the evidence attached to this complaint and nearly five ( 5 ) years of being ignored, it is clear that the payment processing errors is not an isolated event, but rather that the same payment processing error occurred time and again, even after I contacted Navient to correct the errors. INTEREST STACKING THRU FORBEARANCE : 56. At the outset of selecting Navient Loan Servicing as my loan service provider, the defendants had a duty to fairly render their service. 57. Instead of doing so, Navients engaged in a structured act of encouraging me to postpone making payments in lieu of coercing me into Forbearance, and failing to provide information concerning other available options. 58. Navient failed to inform me of repayment plan assignment or selection at any time, when I was experiencing financial hardship or distress. 59. Navient has routinely disregarded its own policies and both Federal and Pennsylvania law and instead coerced me into forbearance by submitting cookie-cutter emails which made the option of forbearance a mechanized option, without adequately exploring income-driven repayment plans with me, without even mentioning income-driven repayment plans at all. 60. I was repeatedly sent emails encouraging me to use my mouse and ready-click a few buttons, and enter in deferment on my loans. 61. Navient discussed my loans on several occasions and only discussed forbearance during those phone and calls and from my recollection did not discuss any other payment option besides forbearance. 62. Every instance that I was entered in forbearance was completed over the phone by Navient agents who stressed how quick and easy the process was compared to other options. 63. On a number of occasions, a Navient representative, when informed of my inability to make a payment, directed me into a voluntary forbearance without advice about available income-driven repayment plans. In no instance was I informed that I may have qualified instead for a {$0.00} payment in an income-driven repayment plan at that time. 64. Indeed, only after research forced by Navients refusal to accept my loan payments, did I realize that I may have met the eligibility criteria for income-driven repayment plans, and qualified for a $ 0 monthly payment. 65. My loan balance was also subject to the negative consequences of forbearance, including the addition of interest to the principal balance of the loan, which raised my total loan balance from ( {$43000.00} to {$59000.00} = {$16000.00} [ additional principal ] ), which I could have avoided had I been enrolled in the income-driven repayment plan from the start. A copy of the Loan Documents are attached as Exhibit E 66. Navient also enrolled me in multiple consecutive forbearances, even though I had demonstrated a long-term inability to repay my loans during two periods of unemployment and specifically requested information and assistance. 67. I was enrolled in two or more consecutive forbearances totaling twelve months or longer, and on every occasion it was done via emails or over the phone in minutes. 68. Enrollment in multiple consecutive forbearances imposed a staggering financial cost on me by adding over {$16000.00} dollars of unpaid interest to the principal balance of my loans. If I would have been enrolled in an income-driven repayment plan, I would have avoided these additional charges because the government would have paid the unpaid interest on my subsidized loans in full during the first three years of my consecutive enrollments. 69. If I would have realized that every one of my many loans would take a principle increase when I entered into forbearance, I would have simply paid the loan balance on that particular loan, which could have managed. Below is a copy of the letter sent by Navient after they rejected a number of my payments : Dear XXXX : This is a very important matter regarding your federal student loan account with the U.S. Department of Education. You're eligible to resolve your past due payments through forbearance and you may qualify for a new repayment plan. Income Driven Repayment ( IDR ) plans may reduce your monthly payment and give you more time to pay. Over 50 % of approved IDR plans result in a {$0.00} monthly payment. Forbearance is a short term solution that will allow you to avoid default and resolve your past due status without having to pay your past due balance immediately. We have a few options for you to consider : Option 1 : For a long term solution, simply call us toll free at XXXX to discuss all available federal repayment options. You may be eligible for an IDR plan or another plan that may reduce your monthly payment. Option 2 : Request a Forbearance to bring your account current and postpone your payments for two ( 2 ) months. There is no fee for this forbearance. Read the terms below and, if you want to accept this offer, simply reply " Yes '' to this message. This is a short term repayment solution. Forbearance terms : By replying " yes '' to this email you agree to the following : You request forbearance because you're temporarily unable to make payments due to hardship. The forbearance will bring your loan ( s ) current and cover your next two ( 2 ) monthly payments. You promise to repay your loan ( s ) following forbearance according to the terms of your promissory note ( s ). Unpaid interest will be added to the principal balance of your loan ( s ) at the end of the forbearance, which will increase your total loan cost. This forbearance does not remove any information previously reported to the consumer reporting agencies. If you have other federal loans serviced by Navient, forbearance will be applied to all eligible federal loans to bring them current and cover your next two monthly payments. You'll receive a separate notification of the forbearance for each eligible loan. A notice will be sent to you to confirm your selection and provide you with more detailed information. You will also be sent information regarding additional options such as IDR that provide a long term solution. 70. A copy of this letter is attached as Exhibit F 71. I generally received no response from the letters seeking assistance and information during the course of my loan servicing with Navient. 72. Navients engaged in a structured act of encouraging me to postpone making payments in lieu of Forbearance, and failing to provide information concerning other available options. 73. Long-term enrollment in forbearance dramatically increased the total amount due each month after the forbearance period ended over the repayment term for my federal loans. 74. On a number of occasions, I chose to simply reply Yes to this message., because without information or instruction, I used the most readily suggested ; time-efficient ; and financially feasible method presented. 75. The bank documents from my XXXX XXXX account show that I submitted the payments and that Navient rejected them because the account was closed or the number was invalid ; however, my account number with Navient is the same as it has been. 76. Moreover, all of the account numbers listed on my payments to Navient correspond with my Navient account number, and therefore there was no basis for them to reject the payments and cause me to spend those funds unknowingly. A copy of the XXXX XXXX payment to Navient is attached as Exhibit G 77. Even after I discovered the matter and asked for help with the matter, Navient rejected several payments and sent emails suggesting that I consider forbearance as an option instead of suggesting some form of assistance with the problem they created. | ||||||
| 08/04/2019 | Yes |
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Web | |
| *********THERE IS A PACKET OF PROOF I HAVE COMPILED TO BE FOLLOWED WHEN READING THIS COMPLAINT BUT CAN NOT ADD HERE AS IT IS TOO LARGE I WOULD BE WILLING TO MAIL IT TO YOU AS I NEED HELP DESPERATELY BECAUSE NAVIENT IS RUINING MY LIFE AND I KNOW BY READING BLOGS I AM NOT ALONE! ********** Description of Complaint PLEASE HELP!!! NAVIENT HAS RUINED MY LIFE AND CONTINUES TO RUIN MY LIFE!!!! I am filing this complaint against my current student loan servicer, Navient Solutions, LLC and against my former student loan servicer, Sallie Mae Corporation. I am disputing the total current loan balance claimed by Navient and I believe that both Sallie Mae AND Navient have been negligent in properly handling my student loan accounts. II can prove that both Navient and Sallie Mae have acted in a fraudulent manner by losing my student loan accounts between lenders and/or offices, altered loan amounts, created multiple new accounts which I did not borrow and removed consolidations is was in, keeping me in a constant state of financial ruin, bankruptcy, and years of forbearance 's for their financial gain. Have you ever seen a XXXX XXXX with a XXXX XXXX XXXX in XXXX owe NOW {$390000.00} in student loan debt? I have spent many months and countless hours of researching my financial records, FSA database, studentaid.ed.gov database, personal bankruptcy records ( including each bankruptcys Consumer Liability Reports from my previous bankruptcy filings provided to me at time of each filing by my bankruptcy attorney ), and prior years emails to various financial entities directly involved with my student loan accounts. I have compiled a very detailed packet for you to follow that will illustrate my complaint and verify amounts I borrowed, the balances I carried, and the point at which Sallie Mae and Navient completely destroyed me financially by listing inaccurate and crushing amounts of student loan debt, kept my loans in a state of forbearance, consolidations disappeared, and forced down my credit scores by inaccurate credit reporting. I say this so that you will understand the impact this has had on myself and my family, as I was forced into high interest rates for lending such as high interest rates for auto loans and credit cards, and basically any borrowing I attempted. Being a single parent of XXXX on one income and have owed to me over 100k in XXXX XXXX ( verifiable through Illinois Division of XXXX XXXX Enforcement ) it was very important that I always tried to obtain the best interest rates for borrowing possible, but this never happened because of the inaccuracies being reported by Sallie Mae and Navient, even resulting in denial for home mortgage. I have been unable to buy a home of my own for my girls. It wasnt until the last bankruptcy filing that I began to figure out what was being down to me and my attorney urged me to dispute the amount of student loan debt. Please refer to Packet A which I obtained from the Federal Student Aid website, and have provided a copy of each loan I borrowed throughout my entire XXXX education, obtained from the following website : https : //XXXX.XXXX.XXXX/XXXX/XXXX-XXXX-XXXX/XXXX-detail Loan # 1 was a {$4000.00} Perkins Loan to XXXX University which I established on XXXX for my XXXX studies. This loan was cancelled, and I attached a copy of the cancellation to its copy. Loans # 2 through 21 were also taken during my XXXX studies, loan # 2 occurring on XX/XX/XXXX loan # 21 being the last and occurring on XX/XX/XXXX to XXXX University. At this point, I had borrowed a total of approximately {$45000.00} in federal loans plus approx. 10k in private loans. I consolidated all the above referenced loans and the consolidation was established on XX/XX/XXXX. You will see Loan # 22 which I provide a copy of this consolidation : FFEL Consolidated Established on XX/XX/XXXX Total Borrowed : {$66000.00} Servicer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX To further confirm this balance, please refer to Packet B which are copies of my personal bankruptcy records. Please see Bankruptcy # 1 Chapter XXXX Case # XXXX and refer to Page # 2 which is the Schedule F for this bankruptcy. On page 2, you will see two ( 2 ) private school loans listed with XXXX University in the amounts of {$1000.00} and {$8500.00}. Please note : the private loans with XXXX University were NOT yet part of the consolidation total listed above and is added later which I will demonstrate. Please now refer to Page # 3 of this Schedule F which lists my loan consolidation : National Education Servicing with Amount of Claim : {$65000.00} My loans were then sold/transferred to the following loan servicer : Direct Loan Servicing Center XXXX XXXX XXXX XXXX, TX XXXX Please refer back to Packet A and see Loan # 23 and Loan # 24 Direct Loan Servicing Center split my consolidation as follows : Loan # 23 : Direct Consolidated Subsidized established on XX/XX/XXXX Total Borrowed : {$28000.00} Loan # 24 : Direct Consolidated Unsubsidized established on XX/XX/XXXX Total Borrowed : {$41.00}, 152 These 2 consolidations together total : {$69000.00} Total student loan debt up to this point ( XX/XX/XXXX ). I re-entered school in XXXX to pursue a XXXX degree which I completed in XXXX. During this time, I applied for and told I was granted an in-school deferment. Please refer to Packet A for loans I did borrow for continuing my education these include loans # 25-32 which total {$80000.00}. Recap of Student Loan Debt Accumulated Thus Far : Student Loan Debt to XX/XX/XXXX : {$69000.00} ( see above ) PLUS New Student Loan Debt accumulated from XXXX : {$80000.00} Total Student Loan Debt to XXXX : ~XXXX+accumulated interest **Please note during the year of XXXX, part of my student loan debt was sold/transferred to XXXX XXXX The next piece of evidence to prove my student loan debt up to XXXX, please refer to Packet B and refer to Bankruptcy # 2 filed XX/XX/XXXX, Case # XXXX. Go to page # 6 entitled Statistical Summary of Certain Liabilities and Related Data ( which is a credit report attorneys can pull ) and see that my attorney listed Student Loan Obligations : {$160000.00}. It is here that you will see my student loan accounts are with TWO different servicers : Please see page # 8, Schedule F and you will see listed : XXXX XXXX XXXX Department of Education XXXX. XXXX XXXX XXXX, TX XXXX Total Claim : {$97000.00} Please see page # 10, Schedule F and you will see listed : Sallie Mae XXXX. XXXX XXXX XXXX, PA XXXX Amount of Claim : {$57000.00} Please also see page # 9, Schedule F for my private loan with XXXX University ( still separate from running totals above ) : XXXX University XXXX. XXXX XXXX XXXX XXXX, NC XXXX Amount of Claim : {$13000.00} To further confirm my debt to this point, refer to Packet B and find enclosed Consumer Liability Report dated XX/XX/XXXX ( report # XXXX provided to me for this same bankruptcy ( case # XXXX ) - see Page # 2 to view the following student loans included on the report which total {$160000.00} : U.S. Department of Education : Sallie Mae : {$68000.00} {$13000.00} {$18000.00} {$13000.00} XXXX {$8500.00} And see Page # 3 : Sallie Mae {$8500.00} {$8900.00} {$5600.00} Total student Loan debt verifiable by above reports to date XX/XX/XXXX : XXXX {$160000.00} and we now begin to see the breakdown/deterioration of my original consolidations. At this point, I was in above noted bankruptcy which was a chapter XXXX which I made my student loan servicers aware of as I was still unable to make student loan payments at this time. I was placed into a bankruptcy forbearance which I now know accumulates insane amounts of interest. I was not offered an Economic Hardship Deferment Request now was I offered the chance to apply for forgiveness due to my extreme financial hardships even after making several attempts at phone calls explaining my situation. Near the end of XXXX of XXXX, I wanted to pursue a XXXX XXXX program in hopes of boosting my earning potential, however, XXXX University would not release my transcripts due to the outstanding private loan mentioned earlier. XXXX referred me to the collection agency that was handling this loan : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Ph # XXXX Please refer to Packet C and see Email # 1 to XXXX representative XXXX XXXX. This email communication took place between XX/XX/XXXX through XX/XX/XXXX. Mr. XXXX was assisting me in gathering all of my student loans together as he was working on consolidating all of my loans to include the XXXX University private loan, so that the end result would allow XXXX to release my academic transcripts so that I could apply for the XXXX XXXX program. Please see pages XX/XX/XXXX - XX/XX/XXXX of this email dated XX/XX/XXXX in which I informed Mr. XXXX I called Sallie Mae for my loan information and was told they could not locate some of the student loans and I was waiting for a callback. I found that my Sallie Mae account was with an entity called : XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX in the amount of {$63000.00}. I informed him in this email to add XXXX XXXX and I really am unsure if it was added or not at this point as we also had phone conversations not detailed in this email. According to this email as well, my loans were also serviced by XXXX XXXX XXXX as well as Sallie MaeXXXX XXXX If you see page 3/10 of this email, I requested the following loans be placed into that consolidation and here is a copy and paste directly from that email ( you have the hard copy as well ) From : XXXX XXXX [ XXXX : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX Subject : Re : XXXX Hi XXXX, Here are the student loans I wish to include : 1 ) XXXX XXXX XXXX XXXX Department of Education XXXX. XXXX XXXX XXXX, NY XXXX Phone # XXXX Balance : {$89000.00} 2 ) XXXX XXXX ( Will be back with Sallie Mae very soon ) XXXX XXXX XXXX XXXX, PA XXXX Phone # XXXX Balance : {$63000.00} Account # XXXX XXXX ) XXXX University XXXX XXXX XXXX XXXX, IL XXXX Phone # XXXX Balance : {$21000.00} Yes, I would love to get started again on the paperwork asap. Just let me know what to do from here! Thanks for all of your help! XXXX XXXX XXXX I am unsure now looking back exactly what was added in that consolidation and things became extremely confusing for me at this point as to where my loans were being serviced with so many different amounts and servicers were being reported. I became overwhelmed. In Packet C, please see Email # 2 dated XX/XX/XXXX XX/XX/XXXX from Mr. XXXX informing me the consolidation entered the statement phase on XX/XX/XXXX and that it would fund by the end of the month. During this time, Sallie Mae is now reporting to the credit bureaus multiple amounts and accounts, further dragging down my credit scoring. It was clear above that my loans were all over the place and amounts seemed to be just thrown out there. What happened to my original consolidation at this point? Why am I forced into forbearance after forbearance? **And please keep in mind that at the time of this email, I had not borrowed any additional student loans and the last verifiable amount noted above was XX/XX/XXXX : XXXX {$160000.00}. XX/XX/XXXX : I DID re-enter school for the XXXX XXXXr program at University XXXX XXXX XXXX, requested in-school deferment. Please refer back to Packet A, see loan # s 41-43 I borrowed 3 loans totaling : {$11000.00}. I had to stop school due to a family situation and ended XX/XX/XXXX. My student loan debt was ~ {$180000.00} at that point. Now I am led into yet another bankruptcy. Please refer to Packet B and see Bankruptcy # 3 Chapter XXXX Case # XXXX which was discharged XX/XX/XXXX. Please see Page # 3 Schedule F which lists the following : Sallie Mae Inc for XXXX XXXX Attn : Bankruptcy Litigation Unit XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Amount of Claim : {$35000.00} XXXX University XXXX. XXXX XXXX XXXX XXXX, NC XXXX Amount of Claim : {$13000.00} And please see Page # 4 Schedule F which lists : U.S. Department of Education Direct Loan Svg XXXX. XXXX XXXX XXXX, TX XXXX Amount Claimed : {$97000.00} Here is something interesting : Please see Packet B and find the Consumer Liability Report ( report # XXXX ) dated XX/XX/XXXX provided to me Bankruptcy # 3 above. We have the following accounts listed as active, open student loan accounts for this report : Page 2 : Dept of Ed/Sallie Mae Amount : {$65000.00} Page 4 : U.S. Dept Ed Amount : {$41000.00} Amount : {$27000.00} Amount : {$21000.00} Page 5 : U.S. Dept of Ed Amount : {$10000.00} Page 6 : U.S. Department of Education Amount : {$8500.00} Page 7 : U.S. Department of Education Amount : {$69000.00} These total : {$240000.00}!!!! How in the world did I go from owing ~180K to {$240000.00}??? And where are all these amounts coming from? What happened to my consolidation??? In-school deferment?? What is going on?? Please notice that in this explanation, Packet A loan numbers 33-40 have not yet been mentioned. This is where these come in. Please see Packet A, loan # s 33-40. These are all loans created by Navient ( named themselves " school '' and PAID TO Navient during the time frame of XX/XX/XXXX XX/XX/XXXX! These loans TOTAL : {$250000.00}! I have the printouts to prove it right off the web XXXX XXXX XXXX I am unsure why these loans were created, what happened to my consolidations, or where these amounts came from. All I know is that these amounts are being reported to the credit bureaus and my credit took yet another major hit because of this, leading me into the next bankruptcy. Please see Packet B and refer to Bankruptcy # 4 XXXX XXXX Case # : XXXX filed on XX/XX/XXXX. Please see the Consumer Liability Report included ( report # XXXX ) dated XX/XX/XXXX and see Page 2 of 13 which lists the following student loan debt : Dpt EdXXXXSlm Current Balance : {$210000.00} Dpt Ed/Slm Current Balance : {$74000.00} Dpt Ed/Slm Current Balance : {$8900.00} Dpt/Slm Current Balance : {$2100.00} See Page 3 of 13 : Dpt/Slm Current Balance : {$1500.00} **If you page through the remaining pages 4-13 of that report, you will see multiple accounts listed by Sallie Mae with varying amounts, none of which make any sense. Please see Packet C and see Email # XXXX dated XX/XX/XXXX from myself to the student loan support center entitled : loan balance inquiry and this was assigned a Case : XXXX. I contacted them seeking assistance to clarify this balance and I was directed to speak with Navient. I spoke with Navient that same month and was told that my balances were correct. Please see Packet C and find Email # 4 this is an example of an email dated XX/XX/XXXX to a mortgage company in which I was trying to get a pre-approval to purchase a home. I had been working diligently at improving my credit which was barely passable for a pre-approval. Turns out I was eventually turned down because of the high student loan balances that Navient is reporting and this email will serve as an example of how my life has gone ever since Sallie Mae and Navient entered my life. If you refer to Packet D, these are printouts of my account information directly from Navients website. Please see the amount of interest that bears down on me every month. For example, you will see in this packet that I printed out my total current balance on XX/XX/XXXX which was : {$360000.00}. I printed out my balance as of today, XX/XX/XXXX and is now : {$370000.00}. That is about {$4000.00} in just 2 months time. My financial life has been ruined by Sallie Mae and Navient and I am regretful I didnt catch onto this sooner. But once I did, I have spent many months gathering all of this and trying to figure this out. I present my case to you and seek help and direction. Please contact me at your soonest convenience, and I have a detailed packet to follow this which i can mail. I need help with this. Sallie Mae and Navient have been negligent and deceitful and this has to be illegal. I appreciate any and all assistance you can provide. Thank you in advance. Sincerely, XXXX | ||||||
| 05/04/2022 | Yes |
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| I am writing to file a complaint regarding the college I attended and the company handling the student loans I currently have. I believe that the college I attended gave me unrealistic expectations as to the chances of acquiring a job in the industry I was pursuing a degree in and the student loan company misdirected me in the best way to pay off my student loans and how to handle times when I was unable to pay the monthly cost of my loan payments. In XXXX I met with staff from the XXXX XXXX XXXX XXXX XXXX. My brother was a student of this college at the time and I was interested to see if pursuing a career in video games or digital animation was feasible for me through this school. My brother was always the XXXX in the family, whereas my skills were mainly on the academic side of things. I explained that I had no previous artistic training or experience and also outlined what I wanted to accomplish, including the career I was interested in pursuing, by joining the degree program for a XXXX in XXXX XXXX XXXX XXXX. I was assured that I would be able to learn the necessary artistic skills during the course of the degree program and that the school had a very high placement percentage for graduates in the fields they studied. I made it a point to make my living situation known. I was married with a young son and lived in the suburbs with my family and would have to travel to the school daily. Also, I would need to find gainful employment after graduation and could not live on an unpaid internship, which I thought would be normal for an industry like this as an entry level novice. Again, I was assured that this would not be a problem. I decided to enroll in the college after having my mind eased by the staff there and began working towards completing the degree program. Between XXXX and XXXX I had attended a XXXX XXXX in FL, XXXX XXXX XXXX, and earned an XXXX XXXX in XXXX XXXX. Therefore, all standard pre-requisite classes had been completed before attending the Illinois XXXX XXXX XXXX XXXX except for a small number of classes such as XXXX XXXX. I assumed that since I had already taken XXXX years of college level courses and obtained an XXXX XXXX that my time in the program to obtain my XXXX XXXX XXXX XXXX XXXX XXXX XXXX would be shorter than a typical student attending college for the first time. I was told by the staff at the Illinois XXXX XXXX XXXX XXXX that I was correct in my assumption and I should be able to complete the program in 2 to 3 years maximum. This, however, was not the reality of how the situation developed. I ended up being a student of this college from XXXX through XXXX. Admittedly, there were some complications that did extend the time of my attendance there. Some were of my own choice and others were due to the schools policies that they were unwilling to make any exception for considering my individual situation. One thing that was my choice which extended my time with the college was taking time off of school to deal with a major medical issue. I had to have major XXXX to have my XXXX removed near the end of XXXX and had to take nearly a year off from attending classes until I was healthy enough to travel back to the college daily. The other thing that extended my time there includes two parts which are both due to the colleges rules and how they handled planning my degree program. First, even though I had been assured that my time at the college would be less than the standard 4 year program since I already had an XXXX XXXX and planned to attend classes year round somehow my degree program plan was set up for a 4 year period. This was never explained to me to my satisfaction, but I went along with it because I was assured that it was how the program worked after I had already began taking classes. Secondly, the school had a policy that if a student had XXXX or more absences from a class within a semester they automatically received a failing grade for that class and would have to retake it. I did not know about this policy when I began taking classes, and only found out about it when an instructor of mine told me to no longer attend her class due to my absences. I approached the XXXX of my program about this policy and asked if an exception could be made. Since I had a family, including a small child, as well as my own health problems there were times when it was not possible to make it to class. I had the computer equipment as well as the art supplies needed to complete all work that was being done in class at my home and I was always able to complete assignments as well as turn them in on time even when I was absent from class and missed a lecture. To be clear, these classes were split between some lecture time and a chunk of free time to work on projects. I had an hour commute each way that was dependent on the XXXX train schedule to get me to and from the suburbs to the downtown XXXX area. I was also frequently ill myself, or had family obligations that could not be rescheduled or missed. After explaining these difficulties with my program XXXX I was told he would look into the situation and eventually informed that no exception could be made to the rule regardless of the circumstances. Even though I was unhappy with the situation I continued to attend the school and work toward completing my degree since I had already spent so much time in the program and accumulated significant debt in student loans due to the cost of attending this college. I did ultimately graduate from the college in XXXX and began my job search with the aid of the school. Even though I was assured that I would be able to find a job in the industry without having to relocate my family when I began attending the school this turned out to not be realistic after I graduated. At the time there was no market for a person with my degree in the XXXX area. All jobs that I was directed to apply to were unpaid internships out of state in places like California, New York, and Florida. I followed the instructions I was given and sent out countless applications and demo reels of my work. Unfortunately, I did not receive even XXXX reply to any of the applications that were sent out and after a short amount of time the school no longer provided any assistance with the process of finding employment. I continued to apply for positions on my own with no success and eventually took a regular office job locally so I could begin to support my family. Just to give a comparison for your consideration, my brother also completed the same degree program that I did. He never attended college before starting there, but also took 4 years to complete the degree program. After graduation he was not able to find employment with the aid of the school. He ended up attending another school in Florida to receive additional training and certification in the field before moving to California hoping to find freelance work. In short, I believe the Illinois XXXX XXXX XXXX XXXX took advantage of having me as a student there and found ways to maximize their profits due to my enrollment. They did this through first misleading me as to the realistic expectations I could have to pursue a career after obtaining this degree. Secondly, they found ways to extend my enrollment with the university by planning my degree program over 4 years when I already had 2 years of college experience and an XXXX XXXX. Lastly, they were unwilling to make accommodations to their attendance policy due to my personal health and living situation since forcing me to retake a class would ensure that they would profit further. My next complaint concerns the company handling my student loans. They were initially through XXXX XXXX, but then transitioned to Navient. During the time of my attendance at the Illinois XXXX XXXX XXXX XXXX I did have to take student loans to pay for college. There was never a discussion of how or when those loans would have to be repaid. Also, if there was any surplus in the funds allocated to me during a certain time period that the loans covered I was encouraged to accept a refund check that was made out to me personally. I was led to believe that if I did not accept the check that the money would just be lost and would not lower the balance of my student loans. I did as instructed throughout the time of my enrollment with the college until my graduation in XXXX. After graduation, there were sporadic payments made on my student loan debt by my father. There were times when payments were not able to be made unfortunately. When I contacted XXXX XXXX and then Navient about these financial difficulties I was directed to request a forbearance on the loans. It was explained to me that this would stop any penalties for not being able to make the monthly payments, but that interest would still accrue during this time period. Between XXXX of XXXX and XXXX of XXXX there were XXXX different forbearance periods that I was instructed to take by the student loan company. In XXXX of XXXX, my father set up an auto-payment on the student loans in the amount of {$410.00} per month. These payments have been made without any problems from XXXX of XXXX through XXXX of XXXX. The reason the auto-payments were stopped is because I contacted Navient to get some information about the standing of my loans and received some disturbing information. I checked the history of activity on my loans on Navients website and found that it goes back as far as XXXX of XXXX where the principal and balance of the loans is shown as {$48000.00}. There are XXXX XXXX loans at an interest rate of 6.5 %. I calculated the amount paid just by the auto-payments made by my father since XXXX of XXXX and came up with the amount of {$46000.00} that had been paid towards the loans just by the auto-payments and this did not include the sporadic payments that had been made previously. I then called customer service at Navient to find out the remaining balance on the loans and how much time was left before they were paid off. I was told that the remaining balance after the payment made in XXXX of XXXX was {$43000.00}. This made no sense to me at all so of course I asked for more information. I was told that {$10000.00} was added to the principal of the loans due to the forbearances that were taken on the account. Again, this made no sense to me. They then explained that any interest accrued during a forbearance was capitalized and added to the premium on the loan. I had never been given this information before. I never received any notification of this detail over the phone or in writing. If I had known this, I never would have agreed to a forbearance. Also, I was told that after the interest had been capitalized that interest was also being calculated on the additional amount added to the principal. Their estimated pay off date on the loan is XXXX of XXXX. So, in effect, the company calculated interest during a forbearance then added it to the principal and then calculated additional interest on that interest since they capitalized it to principal on the account rather than accrued interest. I called back at a later time and spoke to a person that said they were a supervisor, her name was XXXX. She explained the same thing regarding interest during a forbearance and capitalizing it to principal. She then insisted that their personnel read all the terms and conditions to a customer before a forbearance is put in place. When I told her that this information had not been given to me she insisted that it had and had nothing further to say about that subject. She then explained that they calculate interest on the loans on a daily basis. She went on to explain that when a payment is received the accrued monthly payment is deducted from the payment after any fees had been deducted and any remaining balance was put toward the principal on the loan. I then asked about instances during the history activity on the loan about times when the complete payment shown went toward interest and nothing toward the principal. She told me that after a forbearance all payments made are put toward interest until the accrued amount of interest from the forbearance period is paid off. This again made no sense to me. If they capitalize interest from a forbearance period and make it capital, then how could payments after a forbearance be put toward interest when that interest had been made principal? Also, if that is the case then why werent payments put completely toward principal to cover the interest accrued during a forbearance? She did not elaborate or explain any further, but kept repeating herself. After realizing I was not going to get any further information about how Navient had handled my loans I asked what options I had to pay off the loans more quickly or get some type of assistance or forgiveness on the loan balance. She then told me about an income based repayment program that would adjust the amount of the monthly payments and also adjust interest based on my personal income. This was the first time Navient had told me about this program, even though I had explained to them previously when I was unable to make my loan payments it was due to financial hardship. She then told me that the balance on the loans could be forgiven if I converted the loans to Department of Education loans and participated in the income based repayment program. She said that if I did this then any remaining balance would be written off after 20 years. If I did not convert the loans to Department of Education loans she said that I could still participate in the income based repayment program, but the balance of the loans would not be written off for 25 years. The only other option she told me about was to refinance the loans to try and get a lower interest rate, but this would convert them to personal loans and no forgiveness or assistance would be available. Being completely dissatisfied with the information I had been given and wanting to find out if these practices were legal I started researching Navient. I found out that they settled a {$1.00} XXXX lawsuit concerning their handling of student loans and their business practices. I also found out that between XX/XX/XXXX and XX/XX/XXXX all auto-payments should have been suspended and the interest rate for this time period should be changed to 0 %. These loans also should have been placed into forbearance during this time period due to the XXXX XXXX passed by XXXX. Navient did neither of these things. They have continued to take auto-payments and charge interest during this time period. Ultimately, I feel that I was initially taken advantage of by a for profit institution, the Illinois XXXX XXXX XXXX XXXX, and then had my loans mishandled by the student loan company, Navient, through their misinformation or incomplete information given to me. The college mislead me as to the realistic expectations I could have regarding my time spent in their degree program and the possibility of acquiring employment in that field after graduation. Navient/Sallie XXXX XXXX XXXX me as to all of the details about how a forbearance worked according to their business practices and added what I expected to be interest charges to the principal of my loans and charged additional interest on that amount. Navient also did not follow the guidelines of the CARES Act by not suspending their acceptance of auto-payments or stopping to charge interest during the time period set out. If I am not eligible to participate in the lawsuit against Navient, then I am asking for some assistance as to how I can proceed to get some fair treatment and justice from these companies that took advantage of me for their own monetary gain. I am only in the situation I am in because I trusted the college and student loan company and followed the instructions they gave me. | ||||||
| 10/04/2019 | Yes |
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| Official Navient Complaint Student loans for accelerated BS program at XXXX XXXX University went into repayment on XX/XX/XXXX. After receiving notice my Student loan grace period was ending soon, I went online on XX/XX/XXXX to the FAFSA website to find re-payment options. I was confused and intimidated, I filled out the IDR plan application and used the IRS data retrieval tool to submit the required support documents, I allowed FAFSA to choose the best payment plan option for me. The very next day, XX/XX/XXXX, I received a bill for {$350.00}, due to my service provider, Navient, on XX/XX/XXXX I felt panicked. My poor financial state and lack of consistent income was not something I saw ending in the near future. I thought maybe my application had been processed, and this was the best offer I was going to get. Desperate, I contacted my service provider Navient, that very same day. I tried to describe my situation to the Navient representative who answered the phone. I wanted to know if she knew the status of my application and asked her to advise me on my options. Because of my own ignorance, and overwhelming intimidation at dealing with this large loan, while in such a horrible financial state, I trusted that with the detailed information I offered, I would be given the advice that would help me to pay my loan, and that my best interest would be considered. I cant paraphrase the conversation, as it was a long time ago, but I asked a lot of questions, and my take away from the suggestions offered was that the IDR plan was a bad choice and given my situation, the lowest paying option would be the graduated repayment plan. ( Now that I have taken the time to better understand the whole student loan situation and the options, I realize how the graduated option, was neither the cheapest payment/month and was the absolute worst option possible. ) Wanting to get a plan in place, I took the Navient Rep advice and was enrolled in the graduated payment plan, on XX/XX/XXXX. My first payment would still be on XX/XX/XXXX, but the amount would be {$120.00}. Even though in XXXX, Navient had sent confirmation that they knew my email had changed, most of the emails they sent, often used my old email address. Because I thought the phone conversation was reliable, and the information I was given had included the IDR plan options, I had not expected that on XX/XX/XXXX, I would receive an email notifying me that I was accepted into the REPAYE plan, and my monthly payment would be {$00.00} ... so I had no knowledge of this. I didnt know that the reason my XX/XX/XXXX bill was {$0.00}, because I had been accepted into the REPAYE plan, and when my XXXX bill was also {$0.00}, again I panicked, thinking I had made some huge mistake. Concerned about the {$0.00} bills, I called Navient on XX/XX/XXXX. I did not understand what was going on and knew that interest would be a building issue. Confident that the advice given to me by the Navient rep on XX/XX/XXXX was valid, and without the knowledge of the aforementioned change into the REPAYE plan, my concerns continued to build. Again, I turned to Navient for helpful advice. On XX/XX/XXXX, I called Navient. The rep did little to clarify my options or defining my, then-current, repayment status. Not realizing that my interest would be capitalized, or that I was choosing to opt for the REPAYE plan benefits, that may have helped me to avoid huge penalties, I have suffered, I agreed to re-enter the graduated repayment plan. The graduated plan is in no way a smart move. My best guess is that it exists for people who need a lower payment, that does not qualify for any of the IDR options. Now that I have educated myself on payment options, pushing me toward this option is ethically questionable. I thought they were trying to help. These practices alone are deplorable, I would think that at some time, my desire to pay my bill, would encourage some ethical support from Navient, but I have lost any hope of that happening, as every time I trust them to act with integrity, I get taken advantage of. I was paying the XXXX month in the graduated repayment plan and there be little or no change in the principle for months at a time In XX/XX/XXXX, I took on a contract delivery job to help in my still desperate financial situation. The delivery program had a deal with a rental car service that allowed drivers to rent cars at a discounted rate. But even with a discounted rate, simple math made it clear that monthly car payments and insurance would be cheaper than what I was paying out in a month for rentals. Plus, I couldnt get a parking pass for a rental car, and I got more than one parking ticket. That said in XXXX, I had to ask Navient for a deferment, ( hindsight- if I would have stayed in the REPAYE plan I would not have had to ask for the deferment that is just one of the stresses that I would have forgone, had just one person listened to me, my situation, and cared enough to better inform me. ) When I got hit with my interest being capitalized a third time, this time for $ XXXX, in XX/XX/XXXX, the intimidation I had for the loan program was replaced with my personal survival and learning how to stop my credit situation from taking over my life. My first plan of action was to dent the principle that even though I had been paying on these loans while I was still in school, never seemed to decrease, only increased at times of capitalization. I was paying the total I owed every month, when I looked at my loans, ( 6 of them ), in detail, I realized that depending on what day of the month I paid my bill, my monthly payment may not even cover the accrued interest on the account, much less contribute to my principle. I became hyper-vigilant and dedicated a notebook to record my every payment, starting in XX/XX/XXXX. The way that Student Loans are designed, they make it impossible to get ahead of it. I have had loans in the past. Now that I understand the dynamic, I may have never gone back to school. Even if I pay more than I owe. I get charged interest every single day, and they will not apply the overpayment to future interest. It is scandalous. But that is my fault I just wanted to go to school, I shouldve been more cautious. I finally cracked the code, even if I couldnt afford it, I started paying a little extra to reduce my principle. Sometimes it would only be a dollar, sometimes, I couldnt afford it, but I made sure that I at least covered the interest owed at the time of payment. It was a lot of work. I would have to go to the website, figure out the minimum payment due for each loan, make sure that was covered, and then figure out the interest, etc. It was going great, but then I quit my part time job in XX/XX/XXXX, and now I was forced to educate myself on the IDR repayment plans, as I had heard ads that there were options for people in my situation. It took a while, but as I understood it the REPAYE plan was ideal and suited to someone in my exact situation. On XXXX, I went to the fasfa website, this time confident of my intention and eligibility. I again used the IRS data retrieval tool to submit the required documents. I was devastated to see that I had been enrolled in that program in XXXX of XXXX, and until that moment had not realized that I had ever even actually been enrolled in that plan. If anyone had told me, it was not something I understood. I took a closer look at my loan history and saw that I had in fact suffered capitalized interest on XX/XX/XXXX, after the phone conversation with the Navient rep. Navient had put me in the graduated plan, but for some reason, the FAFSA website was telling me I missed the XXXX deadline to update my information for the repayment plan. I was furious. Some of this is my fault for allowing my ignorance to encourage me to procrastinate and deny that I needed to get a handle on this part of my life ; but I was in shock that Navient, and even worse, the government would allow these horrible business practices. I started going over my loans with a fine-tooth comb and found more than one issue that I felt needed to be addressed. Besides the issues I saw with past instances I was concerned that I had not yet received confirmation of my approval for the IDR repayment plan I applied for almost a month before. So, on XX/XX/XXXX, at XXXX XXXX PST, I called Navient and spoke with Navient employee # XXXX, who told me that I should address my disputes in an email and send it through the Navient website. I sent an email through the website portal, which is the only way to communicate online. It is important to note here that I do not receive a record of the documents that I send to Navient, and the docs they send are only available for 8 to 12 months. I have kept my own record of correspondence but given there is a sent folder that is supposed to store my messages to them, that never reveals my communication, it is more than discouraging, it is shady. One time I even asked for a copy of the correspondence I sent them, and they refused to send them to me, I have a record of that communication as well. My application for the REPAYE plan was approved on XX/XX/XXXX, the same day as my phone call. Which makes me think that they wouldve just continued to ignore it until I mentioned it. My IDR plan would start on XX/XX/XXXX, in the amount of {$55.00}. In the many issues I have with Navient, there was one regarding the failure to note payments made on XX/XX/XXXX and XX/XX/XXXX, as they were shown paid out of my checking account but not reflected in my account payment history. I did see that there were refunds issues close to those amounts and dates. I have a number that identifies this issue. The reply I received to this issue was astonishing. I was told that Navient is required to apply the payment to the principal balance that was disbursed in the last 120 days if certain conditions were not met, ( then they list the conditions. ). The problem with this excuse is that I made a number of payments within 120 days of disbursements, while in school, yet this was the only time that they followed through on this requirement. Its like they pick and choose whatever they want to do whenever they want to do it. It isnt right, its confusing, and they are being careless with peoples lives. Further, they give minimum effort and do the very least possible when correcting the huge mistakes, they made. On XX/XX/XXXX I wrote Navient about this issue in careful detail, and on XX/XX/XXXX, I called Navient at XXXX XXXX, in response to a voicemail, that said I should contact, a specific person, at a specific extension, to address my many concerns. The voicemail was left at XXXX XXXX, earlier that same day. When I called, I got a recording that said to leave my name and number, and someone would call the next day. On XX/XX/XXXX, after I had not received a callback, I called at XXXX, XXXX, and one more time a few minutes later, always greeted with the aforementioned recording. Frustrated with not only the past payment issue, but also with the fact that I now have received my bill due in XXXX, XXXX, and XXXX, and the amounts due were not the {$55.00}, that the REPAYE acceptance letter had promised, rather almost double. The amounts due on the printable account information from the website, didn't match the amounts requested in emails from Navient and both were more than the {$55.00}. I called the regular number for Navient and talked to XXXX. His first comment was, your account is all over the place, not super-encouraging from a financial institution that holds my loan. He put me on hold for a bit and came back to tell me that a regular agent, such as himself, could not help me. That my issues had been escalated to an XXXX case agent, he didnt know what XXXX meant, unlike the regular line that was open later, this special department closed at XXXX XXXX. On XX/XX/XXXX, XXXX, the same agent that I had been trying to reach, called at XXXX XXXX, I was busy and said I would call her back at the number she gave me. When I called the number at XXXX XXXX, I kept getting a recording that said the number I was calling was not a valid extension. I tried 6 times. I finally waited for the next available agent. I finally got a hold of the right person. I brought up my issues. She offered to go back and apply all my payments as refunds, after telling me there was no chance that I would be worse off for having her take this action. She assured me it could only be better. I told her to do it, ONLY if there were no consequences. It was clear that I wanted no more surprises or shady dealings. Additionally, when I mentioned the conflicted payments amounts from printable account information, emails, and the {$55.00}. She was surprised and wanted to know when I received the {$55.00} quote. She had also included student loans that I had paid off from XXXX in the totals she was quoting me over the phone. It was clear my loans were being carelessly managed. During the same phone call, I requested specific information to be mailed, including subsidy information and asked for a follow-up phone call. I received neither. After she applied all my payments made while in school as refunds, the capitalized interest from coming out grace increased by {$100.00}. Her promise that I would not be paying interest was not true, and I paid as much if not more interest due to the change. I dont see where I was really benefited, and it may have made it worse. Moreover, the numbers in my payment history are allocated a bit differently. I don't see that my fees were refunded, and because they backdated my payments to the date when the money was disbursed, the interest that accrues daily is sky high when the first payment not processed as a refund is received, so my whole payment gets put toward interest. After realizing that no matter what, Navient will abuse me, I have spent so much time making sure that I don't get taken advantage of. Altogether, I have spent hours, weeks, months, trying to figure out how to get ahead of this. It has taken me over 3 hours just to sit down and draft this letter. It is astonishing that these practices are allowed in a civilized society. I have given Navient the benefit of the doubt and every time I think this time will be ok, it is not. In this complaint process you asked which of the following choices best explains my issue. I wish I was able to choose multiple answers. In addition to what I have included so far, a recent review of my credit report shows incorrect information from Navient. I am not even going to bother notifying them, because I have wasted enough of my time trying to get them to do the right thing. I know this is lengthy, I tried to keep it to the point. Please contact me for any clarification. | ||||||
| 02/17/2022 | Yes |
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| While looking online, the site for XXXX made it clear that it was a very prestigious academy and gave the impression that only high calibur students would be accepted into the programs. XXXX was owned by the now defunct XXXX XXXX XXXX. I decided to visit the school for a tour and was given the same impression by my guide who also informed me that all of the instructors were in the top tiers of their respective fields and it would be a privilege to be able to learn from such a high skilled group of educators. I was told that an education from this school would give me opportunities I would never otherwise have. I was elated when I was accepted, especially since I felt I might not qualify. The educators were horribly unprepared and under qualified. The classes were painfully simple, and while applying for jobs, I was informed numerous times that my degree from XXXX didnt qualify me for any of the work that was available. It was embarrassing. I actually only received my associates instead of the XXXX I was initially aiming for because I didnt want to spend anymore money on such a terrible education. I had been told that my credits would transfer, I had no reason to think any differently. I simply assumed it had to be true otherwise the XXXX XXXX XXXX wouldnt back the school. It wasnt until I tried to apply to a junior college to finish my degree and actually get an education, that I learned none of my credits would transfer. I cant say I was surprised. The education they gave me was so subpar. It wasnt until later when I read about all the lawsuits and accrediting issues XXXX and other for-profit schools had, that I realized I wasnt the only person in this perdicament. XXXX made the dept of education believe that the money they were lending students was going towards an actual education I felt rushed to make a decision. Therefore, I wasnt really provided the opportunity to do additional research based on what I had been told during my visit. I had to pay in advance for my application to be processed. I dont recall the amount, but I do remember it was non-refundable and it cost enough to further the impression of prestige. Where to begin.. The initial excitement at the prospect for informative, and career making internships faded pretty quickly. For every internship location, there were at least 20 different students all applying for the same spot. Venturing out of the schools very limited preferred network meant there wouldnt be any credits given. If you didnt get a spot, you had to wait until the next term to try again. And if you werent able to snag a spot during any of the internship feeding frenzys, then you werent able to graduate until you had. I was one of the lucky ones who was able to get a spot after quitting my paying job to make time. the company I did intern with taught me very little and mostly sent me out for coffee or had me work as their receptionist. Of the several " design teachers '' I had, there was only one whom I felt had any merit. I confided in her about my disappointment in the education I was receiving, and she echoed my concerns ( as well as the concerns of many of my fellow classmates ) however, she insisted there wasnt anything she could do. The other instructors it seemed, as though they taught kindergarten art class before coming to work at XXXX. The classes were a breeze, the tests were a joke. I didnt feel challenged in the slightest. Even the courses that should have been more technical, felt like beginner art classes. Of course in an attempt to keep loan totals down, I wanted to work as much as I could. When visiting " career services '' for any potential job leads, I was told that not only were there not very many jobs available, but the only ones they were aware of were part time jobs at coffee shops. But I needed a living wage. I had mentioned that I was proficient in the automotive industry and suggested maybe they could find me something in that regard. I was told in not so many words that that wasnt the type of work they would look into for me. So I found my own job. Which leads me into how my school misrepresented how often and when courses would be available. Many of my courses for the most part were offered in the evening which made it easier to work full time while I attended school. I had found a full time job at a motorcyle shop, and after work, I would head to my classes. Then suddenly classes were no longer offered at night. Enrollment had dropped so significantly that the school couldnt justify teaching day and night courses. I had to quit my job because I suddenly had a class at XXXX, one at XXXX, and one at XXXX. This meant I had to take out private loans to cover living expenses because there was no form of assistance offered through XXXX. This one, single, simple form of misrepresentation has lead me down a path of financial ruin that I am still trying to dig myself out of to this day. The only course I had a prerequisite for was XXXX and that was XXXX I was able to graduate without retaking courses I withdrew from, and failing an online class that I didnt bother to withdraw from after my internet was cut off at home. As if getting an internship wasnt difficult enough, trying to get assistance to get employment was even more challenging. Despite asking for help on multiple occasions, I was told job listings would be emailed to me but they never arrived. I had applied for several jobs on my own, however my degree turned out to be more of a burden than anything. Once again, being told that my education with XXXX doesnt qualify me for any positions available. I couldnt even use my school, or my teachers as viable references. There was absolutely no support after my graduation. There would be no additional certifications because as far as the rest of the world was concerned, I didnt have the education necessary. They had " endless connections '' to help me find work, but they never presented themselves. And once I moved out of the XXXX area, they blatantly told me they couldnt help me despite insisting they had connections all over the country. And I was roped into private loans because I was told not to worry about not being able to get a job while in school, once I graduated I would make enough money to have my loans paid off completely within 5 years During my initial tour, the guide told me that the school had a very high employment placement rate. I was also informed by the admissions counselor and the career services center that they were very well respected in the country and I would be able to go anywhere with my degree and get a high paying job. They also had contacts throughout the country through their other campus 's and would easily be able to find me a job wherever I decided to persue my career. Aside from the website touting such a high success rate, when asking for employment opportunites to be provided to me, I would be informed via email that either there were no jobs available, or they would pedal the same part time coffee shop type positions that had nothing to do with the degree I was persuing. After I left the school with an XXXX in applied XXXX and moved back to XXXX XXXX, I would both call and email trying to get new job prospects. I would be told over the phone that they wouldnt be able to find me anything in the XXXX XXXX area because that was out of their operating range. I stopped trying to get a job in my field a long time ago. Even when I would get an interview with a design firm, I would be told that I didn't have the education or the experience neccessary to get a paid position. I was told that my degree wasnt useful and it would be suggested that perhaps I go to a real school if I wanted a career in the industry. I stopped listing my school and my degree on resumes and I currently make enough to pay my bills in the automotive industry. I'd like to go back to school, but with the student loan debt I'm buried under, I wont ever be able to. I had been told that they would be able to get me into an entry level design position during the day so I could take classes at night. It sounded perfect. But thats not what happened. After landing my position at the motorcyle shop, I was able to work full time during the day until the following term. Then because enrollment was dropping, classes weren't being taught at the same frequency so night classes were no longer offered to me. I had to leave my job in order to attend classes during the day. which prompted me to take out private " student '' loans in order to help cover extra school costs and living expenses. I was told that an XXXX would cost XXXX XXXXXXXX, and a XXXX would cost XXXX XXXXXXXX I believe. This would include books and materials. Since there wasnt on campus living, I would be responsible for finding housing but they would help me find employment to help with rent. However.. not only were books and materials not included in tuition costs, but the list of required books and materials wasn't even updated or complete. XXXX class listed a specific version of a book, while the teacher read and attempted to teach from a different version. So we all had to purchase this other version in order to keep up with the teachings. Another class was listed to require a {$250.00} materials sample kit which was never used because the teacher had no clue about the kit or how to encorporate it into the class. And obviously they never bothered to help me find employment, that was solely on the students shoulders. They then removed night classes from the schedule due to dropping enrollment, so any full time working students had to decide between working or furthering their education, myself included. This led to private " student '' loans being taken out to cover living expenses and additional school costs. I was assured these loans would be simple to pay off too, and even though I needed cosigners, I was told as soon as I graduated and started working, my cosigners could be removed. My dead grandmother is still listed as a cosigner because Navient will not release her or my mom. They told me that they were accredited and highly respected, and that any credits I earned would transfer anywhere. They even made a special point in saying this, stating it was because I would need to periodically refresh my training in order to meet new technology and trends. Makes sense for any profession. They also noted that if I were to go back to XXXX in order to keep abreast, there would be no additional charges or fees. But XXXX no longer exists and the math credits from there aren't even transferrable. With everything that I had come to be disappointed with regarding XXXX, after having to leave my job and take out additional loans for living expenses and surprise school costs, I thought it might be best for me to use those additional loans to transfer to a community college to get an actual education. It was while initiating that process, that XXXX XXXX XXXX XXXX informed me that none of the credits I had earned would be accepted. Dropping out meant I'd have to start making payments immediately, but if I graduated, I'd have 6 months to figure something out before payments would begin. So I stuck it out to get a worthless associates. It was made so abundantly clear by every member of the staff that students would have countless resources at their disposal for employment, including job placement, exclusive references, as well as a highly coveted and respected degree. They would refer to popular shows and hosts on XXXX or XXXX, implying that members of those crews either graduated from XXXX or that they would reach out to them to get us employed if that was the path we wanted. All I wanted was to work at a firm that specialized in eco-friendly design. Not only could they not get me an internship with any level of merit, but when I had asked for help finding employment, the only weight they pulled was with a coffee shop across the street. I've never had a job outside of the auto industry, which I was trying to escape by going to school. I want to go back to school, but I can't afford it. I cant buy a house because of my student loans. I've spent years struggling with XXXX and almost had to be admitted to the hospital for malnutrition because I couldnt afford to eat. My car insurance would lapse, my registration would expire, I've sold personal belongings just to pay rent, I've stolen food, lived in my car, had my phone cancelled, medical bills went to collections, I sacraficed my social life and well being because I never had money for gas or food. Because I have both federal and private loans, I have had to pay on my private loans in order to not destroy my moms credit or have navient go after her. I've wanted to end my own life more times than are even fathomable because I have felt so weighed down by debt and XXXX, but Navient would come after my mom if I died. I asked for help finding a job shortly after moving to XXXX for school. The career advisor gave me a small list of part time job opportunities that they could get me in to. They were all with coffee shops or restaurants within a XXXX mile radius. I said that those wouldn't work for me, so I was directed to a room of computers to look for a job myself. And then again after I graduated, I asked for help and was told that they didnt have any contacts in XXXX XXXX XXXX I had moved back to. And if all of that wasn't bad enough, XXXX settled a lawsuit applying only to students who were in school at the time of the school closures. To which I didn't qualify. Navient has just settled a lawsuit that was brought against them for their predatory tactics, those of which I have explained above. However, I didn't qualify for that either because I have been making payments due to my family being co-signers on the loans. But wait, there's more.. I filed for XXXX in XXXX to have my federal loans expunged because XXXX had been proven to be a predatory and defunct school. It was denied under XXXX. I am currently part of a lawsuit against the Dept of Ed because of XXXX ' unethical blanket denials. They have no record of my original application. But I did save the denial letter. I am just one person among hundreds of thousands of defrauded students who had their dreams preyed upon by these greedy corporations. Navient needs to be held accountable. The department of education needs to be held accountable. The school I went to had the luxury of going bankrupt. I have been held accountable for the last 13 years, for making the mistake of trusting a system that should have had my back. I have been diagnosed with XXXX because of what Navient, XXXX, and the Dept of Ed have put me through. If something doesn't give soon, I can't see myself sticking around much longer.. | ||||||
| 03/17/2022 | Yes |
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| To Navient, Representative, Supervisors, Agents, Assigns, I lost my job in XX/XX/XXXX XXXX contacted you about my options You told me no option for direct consolidation You told me just deferment, forbearance, etc. I contacted you again in XXXX and XX/XX/XXXX I specifically asked you about consolidating my student loans back to Federal Loans ( instead of the current Private Loans ) You specifically told me that this option was not available to me because of the type of loans that I have You told me just deferment, forbearance, etc. I contacted you again in XX/XX/XXXX to finalize yet another deferment/forbearance request/application ( or any another form to postpone payment ) I once again asked about consolidating my loans to Federal Loans, options to lower my very high interest rate, and following the elections results, I also asked you about the future opportunity to have any portion of my loans forgiven ( {$10000.00} and up to {$50000.00} ) via a Future Executive Order or an Act of Congress. You once again insisted that my only option was just deferment, forbearance, etc. You also insisted that the interest rate could not be changed unless I refinance using private financial institution You also insisted that I could NOT Consolidate back to the Federal Loan Program Further, you also stated that I would NOT be eligible for any Loan Forgiveness Opportunities in the future should they exist via an Executive Order or via an Act of Congress. Following the Events of the Pandemic and the ensuing Executive Order halting student loans repayments, waiving interest, and allowing the skip of payment without penalty or interest, and allowing for non-payment without counting towards maximum deferment or XXXX, IN XXXX OF XXXX, I was told that I don't qualify because my loans are PRIVATE Loans and are NOT FEDERAL Loans. I specifically asked you what can I do to qualify for these favorable treatment regarding interest and for the hopes and future opportunity to have XXXX XXXXXXXX and up to $ 50K of the loans forgiven, and you again told me that these options do not apply to the types of loans that I have and that I could not take advantage of any such opportunities. FOR THE SECOND TIME IN XXXX OF XXXX, I contacted you and I VERY VERY VERY Specifically AND Unequivocally asked about converting, transferring, or refinancing options to convert/ consolidate my student loans to a FEDERAL Student Loan under the Department of Education and I was told that this was not an available option for me and that I do NOT qualify for this type of conversion from PRIVATE to FEDERAL. I repeat that during this call, I asked you about the possibility of re-financing to lower the interest rate. I also VERY VERY VERY SSPECIFICALLY asked you about consolidating and converting my Private Loans back to a Federal Loan Program under the Department of Education. You reiterated that I did not qualify and that this option was NOT available to me. I contacted you again in XXXX of XXXX and yet again in XX/XX/XXXX explaining that other " friends '' and " acquaintances '' and fellow borrowers that I HAVE SPOKEN TO who TOLD ME that the actually DID CONSOLIDATE AND CONVERT their PRIVATE LOANS to FEDERAL LOAN Status through some type of conversion, refinancing, or consolidation back to Federal Loan Status. I also pointed out to you that these borrowers are NO LONGER ACCRUING INTEREST on their loans and that they were told that if in the future there was an opportunity for a loan forgiveness via an Executive Order or through and Act of Congress that they WOULD indeed be eligible for this forgiveness. I again asked and begged on how I COULD DO THE SAME. I also ONCE AGAIN begged for information on how to possibly take advantage of the opportunity to have {$10000.00} or even up to {$50000.00} FORGIVEN should the opportunity become available because of election results and the proposed Executive Order that was very urgent at that time. I also once again continued to ask and beg that you tell me how to stop the interest from continuing to accrue on my current loans and you once again told me that I do not qualify to consolidate and convert my existing loans to a Federal Loan and that all these options were not available for a Private Loan. Partially true but you once again kept denying that I had that option to Consolidate. My pleading with you was my repeated calls for any and all available options to stop interest accrual and to take advantage or any future opportunity to have any portion of my loans forgiven via a Presidential Executive Order or through an Act of Congress. You sought to re-start my payments in XXXX. I once again applied to defer repayment as I was STILL UNEMPLOYED. WHILE I WAS IN TEARS, I also ASKED YOU AND BEGGED AND PLEADED WITH YOU on how to reduce the interest rate on my current student loans from 5.125 % when the fact was that the current Interest Rate ( MONEY MARKET rates ) were near zero. I ALSO once again asked YOU how I may STOP the interest accrual on my student loans knowing that everyone else had NO INTEREST ACCRUAL EFFECT on their pay off balance because they were not accruing interest because of the EXISTING Executive Order in Effect at that time. These were my friends and acquaintances that told me that they were NOT accruing interest on their existing Student Loans. At this time, I had been UNEMPLOYED for almost TWO YEARS. I WAS IN TEARS and HOPELESS and LOOKING FOR HELP, FOR YOUR GUIDANCE AND FOR YOUR ASSISTANCE. You told me once again that I did not qualify because my loans were not Federal but rather Private. I asked yet again as to how would it be possible to consolidate and convert my loans to a Federal Loan. You told me that was not possible. Just as you did in the past, you then SPECIFICALLY told me that I could convert from Federal to Private but NOT the other way around from Private to Federal. You also added that Once you Convert to Private, you loose all the benefits of any Federal Student Loan Benefits that may exist or be available in the future. You then AFFIRMED to me during this call ( through 3 of your representatives/supervisors ) that because I had private loans that I did not qualify for Waiver of Interest and FURTHER that I could NOT consolidate and convert back to FEDERAL STUDENT LOANS. You then referred me to a couple of PRIVATE Groups ( AND to search online ) to attempt to refinance my Student Loans with hopes to lower my interest rate. I diligently contacted all the parties that I was able to find contact information for. NONE OF THEM would re-finance my Student Loans without my being employed and having an income. These PRIVATE Companies did not offer any option of Consolidating my Loans BACK to the Federal Loan Program ; they simply referred me to YOU to try and work things out and see what my options were WITH YOU. I contacted you again in XXXX and yet again in XX/XX/XXXX as the political chatter was high to forgive {$10000.00} and up to {$50000.00} in student loan debt. At the time, the RENEWAL and CONTINUATION of the WAIVER of Interest Accruals on Federal Student Loans was just renewed and took effect. I once again asked and asked you and begged and pleaded withy you ( I WAS IN TEARS ). I even asked to speak to supervisors on 3 of my 5 calls during that period of less than one month. The answer you gave me was exactly the same ( summarized as follows ) : I signed Loan Documents that are legally binding and I am committed to these PRIVATE Loans that I must pay back or re-qualify for deferment/forbearance when this period expired. You further affirmed that I could NOT consolidate / convert my loans back to the FEDERAL LOAN Status under the Department of Education and that ONCE they are converted from FEDERAL to PRIVATE, that they could NOT be converted BACK TO FEDERAL. You further affirmed that I was NOT eligible for the existing interest waiver ( through the current Executive Order ) You ALSO affirmed that I would NOT be eligible for any DEBT FORGIVNESS of {$10000.00} - {$50000.00} should this opportunity ever be available in the future. In XX/XX/XXXX, I contacted as many as FIVE ( 5 ) Financial Institutions and THREE ( 3 ) Student Loan SERVICERS ( YOUR COMPETITORS ) asking them for HELP and any options and opportunities that they could provide for me to take advantage of the ONGOING PAUSE / WAIVER OF INTEREST and the possibility of DEBT FORGIVNESS ( $ 10K - $ 50K ) should it ever be available in the future. I was VERY CLEARLY TOLD by YOUR competitors that I could EASILY CONSOLIDATE AND CONVERT my student loans from the PRIVATE Institution to the FEDERAL LOAN Program under the Department of Education and I COULD AUTOMATICALL THEN PAUSE and WAIVE ALL interest accruals on my Student Loan Debt. Additionally, should the opportunity present itself in the future, I WOULD ALSO BE ELIGIBLE for any future LOAN FORGIVNESS ACTIONS ( $ 10K - $ 50K ) via Executive Orders or via Congress! I contacted you back again in XXXX of XXXX and explained to your THREE Different Customer Service ( Disservice ) Representatives of YOURS that these options were indeed available to me JUST AS THEY ARE AVAIABLE TO OTHERS similarly situated to me. I explained that I have contacted your COMPETITORS and that this opportunity and process was explained to me but that I HAVE to first contact you regarding the impending expiration of deferment and that I could begin the process of consolidation at the same time. After your SECOND call transfer, I finally spoke to a THIRD person who was compassionately human, who had a heart, and who sympathetically and compassionately CONFIRMED that I do INDEED have that right and have that option to CONSOLIDATE and CONVERT my Student Loans BACK to the Federal Program under the Department of Education via consolidation. She apologized for my past hardships of being unable to get this accomplished and she empathetically wished me well in this process that could take up to 30 days. Subsequently, I immediately applied for the Loan Consolidation that was processed, approved and completed. They PRIVATE Student Loans serviced by Navient were FINALLY paid off and a NEW Consolidated Loan was created under the Federal Student Loan umbrella via the Department of Education. To Navient, its employees, representatives, agents and all associates, I am at a loss for words for what YOU have put me through since XX/XX/XXXX. It is UNCONSIONABLE that I called you and spend over FORTY THREE ( 43 ) HOURS ( in just the past 2 years and more from XX/XX/XXXX to XX/XX/XXXX ) on the phone with you. It is inhumane to have me beg you and plea with you for help and answers and opportunities and yet you did nothing other than LIE and DECEIVE me into thinking that I had no options. You continued your willful and intentional deceit and continued to provide me with the false information to my detriment. All that you were interested in was to keeping the loans with you so that you could continue to service them and collect your fees. You have deprived me of my right and the opportunity to consolidate my Private Loans into Federal Student Loans for almost THREE ( 3 ) YEARS. During this time, I have watched my loan balance BALOON when it should have been static with NO ADDITIONAL INTEREST ACCRUALS. In the process, you ADDED and cost me THOUSANDS ( 1000s ) of dollars in interest rate accruals that I could have avoided had I was given the HONEST ANSWERS AND THE EXPLANATION on HOW to effectuate the consolidation and conversion process. EVEN THOUGH I, on countless occasions over this three year period, ASKED FOR OPPORTUNITY AND INQUIRED INTO THE INTRICACY AND THE PROCESS OF HOW TO DO IT, YOU WILLFULLY AND FRAUDULENTLY DECEIVED ME INTO KEEPING MY PRIVATE LOANS WITH YOU. You willfully and deceptively lied to me and told me that I do NOT qualify and that the option was NOT available to me and that I do NOT qualify. Well, this was possible all along. I just got it completed and accomplished and finalized. Your lies, deceit, AND fraud on their face have cost me $ 1000s of dollars in accrued interest payments that should not have accrued. These interest accruals should have stopped back in XXXX following the FIRST Presidential Executive Order to STOP Student Loans Interest Payment Accruals. I should have been ENLIGHTENED, EDUCATED, and GIVEN that opportunity to Convert and Transfer my Loans BACK to the Federal Program under the Department of Education even if had not been asking you! But I asked you and begged you and pleaded with your for almost three years and urgently so since the start of the pandemic and even more urgently so following that FIRST Executive Order that halted interest accrual on Federal Student Loans. My Private Loans SHOULD HAVE LONG BEEN UNDER THE FEDERAL STUDENT LOAN AND DEPARTMENT OF EDUCATION UMBREALLA FOR THE PAST THREE YEARS AND YOU FRAUDULENTLY DECEIVED ME AND PREVENTED ME FOR BEING UNDER THAT UMBRELLA. I hereby submit this formal written request as a complaint to you for now. I also am looking at my options to further submit this complaint to other federal and state entities as a means to let the correct protection agencies SEE and UNDERSTAND how you treated me and to hopefully protect others like me from your deceptive, fraudulent, and unethical practices. Further, I hereby submit this written request TO YOU for RESTITUTION of all my accrued interest payments since the very first Presidential Executive Order that directed the Waiver of Student Loan INTEREST Payments. Please re-calculate my student loans principle and interest accruals accordingly and please submit a PAYMENT OR CREDIT to REDUCE my Current Outstanding FEDERAL Student Loan Total Outstanding Balance. If you wish for me to perform such calculation for the amount of accrued interest, I will have my personal banker ( and friend ) assist me but I would prefer that you do it and I wish to have an actual document from YOU showing the REVISED Payment Schedule that reflects the CORRECTED TOTAL OUTSTANDING BALLANCE. I would need that statement for my records for legal, tax and any other purposes in the future. I am demanding a response from you and resolution within 10 business days from this writing. Further, I am demanding a restitution and repayment ( or credit ) for the interest accrual amount no later than the end of 30 calendar days from today 's date, XX/XX/XXXX. Should you have any questions or should you require any additional information, please let me know. Thank You | ||||||
| 08/13/2017 | Yes |
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| PDF Attached under CFPB1, which would correctly show letter. Good Day Sir or Madam : My name is XXXX XXXX out of XXXX, FL. I was an active borrower of XXXX XXXX now Navient from XX/XX/XXXX through XX/XX/XXXXaccount number XXXX. The total disbursed amount was {$97000.00} to XXXX XXXX University. In Summer of XX/XX/XXXX, I received a call from the 30-day collections indicating a payment of $ 1000+ and was due immediately. To be candid, I made that in one month and after indicating so the agent advised me I was only eligible for either forbearance or education deferment but no income based repayment was available per the loan agreement. Obviously, there was no other alternative within my budget. I exhausted forbearance approximately 2 years later and once again I was advised educational deferment was the only option or I would be immediately due {$1400.00} payment once again an amount that comprised of my entire income. I exhausted education deferment in XX/XX/XXXX where at this point the balance/payment had doubled. Navient essentially provided options that would not resolve the issue of the size of the payment but further postponed the payment. Ironically this systematically increases the balance which further worsens the original problem of unaffordability. My current payment is {$2100.00} and unfortunately, I am not Lawyer or Doctor but an XXXX XXXX XXXX ( non-manager role ) for a XXXX XXXX. I certainly can not afford this payment now and would be extremely unlikely to for consecutively 175 months in my life time while still achieving support to my dependents, lifes necessities such as home, automobiles, and retirement. I do not want it to appear that I am irresponsible financially as I have never missed a payment with any of my obligations nor do I have negative marks within my credit. I have Smart Option loan currently through Navient that has been debited consecutively for 90 months through my checking account. I am responsible consumer seeking a realistic reasonable expectation of payment for the balance incurred Navient has failed in realistically resolving this matter and after contacting them prior delinquency it was quite clear Navient has little to no interest in recovering balance owed but extending them for as long as possible which essentially increases the total cost of the loan. Their payment options solely rely on the ignorance of borrowers by quelling immediate concerns about repayment/credit score to further bury the consumer into a debt they will be unlikely escape. I simply describe this behavior as predatory and the details below will quantify this accusation. The original disbursed amount was {$97000.00}. The loan would have costed me {$170000.00} over 175 months. This is assuming that I could have liquid cash of {$1100.00} for 175 months. A quick analysis of median household income of income in XX/XX/XXXXfor the state of Florida was {$53000.00} and has declined to {$49000.00}. Why would XXXX XXXX ( now Navient ) solicit loans in values up to {$100000.00} to individuals who cant even be approved for wireless service, a credit card, auto loan, and mortgage. This obviously preys on young adults who have little to no credit history and lack the financial literacy/experience necessary to understand the obligations of these types of financial instruments. Couple this with a school that graduates less than 50 % of its full time first time college students ; towards non-skill based degrees. These loans were destined to fail. XXXX XXXX/Navient had nothing to lose as the debt is non-dischargeable in bankruptcy. My balance onXX/XX/XXXXwas {$200000.00} and at its current path this loan would cost me {$380000.00} if I could afford {$2100.00} consecutively for 175 months. Its appalling to think that Navient would assume full repayment would occur without issue. As the borrower, I fully understand it is my duty to communicate financial issues that directly correlate to the ability to repay. Below you will find actions taken by me and notes regarding the conversation. I will then analyze the offers by Navient and current balances which clearly indicate the predatory behavior by the Navient Corporation. XX/XX/XXXX : Contacted Customer Care : Indicating that I can not afford the payment for my signature loans and the associates first suggestion was placing the account in interest only. This does not reduce principal at all. The payment is still unaffordable at $ XXXX. After indicating that I have no interest in not reducing my debt they transfered me to collections where they were surprised that I contacted prior delinquency. After providing my basic financials, the associate ( XXXX ) provides me an offer 3 % interest rate but the payment would fall around $ XXXX which was outside of my budget. It would also not provide resolution but a band aid as this matter would be covered for 15 months after it would be Navients discretion whether it would be offered once again. XX/XX/XXXX : Contacted Collections once again and was provide the same results by associate ( XXXX ). Indicated this payment would not work for me nor would this be a long-term resolution. This agent suggested I seek loan consolidation outside Navient. Not at all likely when you have exorbitant Student Loan debt. XX/XX/XXXX : I sent attached letter to Navient Customer Advocate in hopes of achieving realistic resolution to this matter. XX/XX/XXXX : Received Call from XXXX XXXX Ext XXXX, indicating unable to complete deal indicated on letter but will assist in achieving reasonable payment. She inquired as to what I was seeking in payment and then indicated she would try 2 % @ XXXX per month for 15 months, I rebutted that balance has exceeded original life of loan by over {$30000.00} roughly and that an interest rate of 0 % would be suitable ; She suggested 1 % despite my financials and the current balance of the loan. She advised me that she would submit a request but to provide time to process and review ; To expect a response at the end of the week.XX/XX/XXXX : I contacted XXXX to follow up and was advised 1 % was submitted, reviewed but pending approval, She indicated responses do occur sometimes accepted at initial offer or rebutted with .5-1 % increase. She indicated I should expect a call the following week XX/XX/XXXX : Account went delinquent XX/XX/XXXX : Received Call from XXXX XXXX advising that there was not an approval but received a response indicating that achieving this repayment option should not be an issue to expect a call shortly. I inquired from who? She indicated collections. XX/XX/XXXX: I contacted XXXX XXXX requesting clarification regarding the discussion on the XXXX and stated I had not received a call but was seeing to resolve matter promptly. She transferred me to collections and Spoke to XXXX XXXXXXXX-XXXX, indicated previous collection conversations prior to delinquency, escalation to customer advocate, expectation of achieving 1 % was feasible, and that collections would be resolving this matter. I clearly indicated that I was seeking under 800 price point of payment excluding smart option loan. I wanted to keep loan payments under $ 1k with smart option despite my financials. She indicated she understood placed me on hold for about 10 minutes. She returned and offered {$900.00} payment, 15 reoccurring @ 3 % ,352 months. The associate had ignored what I had indicated and provided me an option that was no change from XX/XX/XXXX collections offer except with the length of the agreement which lowered the payment amount. I re-contacted XXXX XXXX indicating the collections and Customer Advocate were not on the same page to re-contact me. XX/XX/XXXX : XXXX XXXX returned my call indicating a memo had not been left on the account but now was to expect a call or contact at my leisure. At this point it was frustrating as I felt XXXX XXXX had essentially wasted my time and thought by referring me to collections I would accept the already poor arrangements that Navient offered. I had 0 % interest in chasing Navient as they made it abundantly clear that Customer Advocate was simply a name of the department and was not indicative of action that would advocate for the customer. The call on the XXXX also led me to believe no real action was taken as there was never a confirmed approval that she had indicated would be necessary. I believe Navient sat until the account was delinquent. XX/XX/XXXX : XXXX XXXX contacted me indicating there was no success in her organization contacting me ; Contacted collections and spoke to an associate initially tried to collect delinquent balance ; after I indicating recent efforts with customer Advocate she offered me 1 % at {$690.00} @ 356, Initially the resolution seemed reasonable and the associate then began to play the terms and conditions regarding the agreement which indicated the payment would be XXXX for 15 months with review of financials a year later, and the account would be subject to capitalizing interest. I agreed initially but posed questions about the capitalizing interest and she indicated that the 3 first months of the rate reduction program would mean capitalizing interest would occur. I inquired whether it would be at 1 % or normal interest rates she simply responded I dont know ( red flag ) I indicated Id like clarification she came back with a response from a Manager she would assume that it would be the old ( Red Flag # 2 ). Short time later the associate then disclosed that the program would not offer the same interest rate after a year review but increase, essentially a graduated repayment program, at Navients discretion ( Red Flag # 3 ). This essentially voided my interest in accepting such a program and after indicating so the associate tried to tell me its too late I had already accepted which shortly after giving her grief she reversed and did not process. This lack of knowledge and up front disclosure regarding solutions essentially compromises consumer trust to Navient and shows its intentions are not in the best interest of the consumer but to its shareholder by increasing the value of these loans by any means necessary such as forbearance, deferment, extending terms, and graduated repayment programs ( these programs simply target delinquent/defaulted accounts and turn them into paid accounts by luring them with band aid resolutions ). After analyzing the offers by Navient any of them could essentially be at high risk to the consumer. One scenario could simply be offering this program and then after the 15 months they could force original terms and recover any balance repayment in delinquency/default ; Essentially trapping the consumer in debt. With over 1886 complaints/113 negative reviews on Better Business Bureau, and 569 complaints on Consumer Affairs essentially littered with horror stories with Navient why would I take the risk? Diligent effort has occurred on my part to work with Navient to achieve realistic repayment of debt. I reviewed the offers made by Navient that they consider doing me a favor and quantify the statements above. Lets Talk Numbers Option 1 ) Pay as is ( can not afford ) Balance owed to Navient on XX/XX/XXXX was {$200000.00} ( 2.1x the original disbursed balance ) If I could theoretically afford the payment there seeking at XXXX per month for 175 Months the cost of the loan would equate {$380000.00} ( 2.1x original cost of loan ) Original Balance Disbursed was {$97000.00} The original cost of the loan prior to the doubling of the balance because of capitalized interest was {$170000.00} Account accrues roughly {$1500.00} ( likely more ) interest per month Option 2 ) 3 % /175Months Interest Rate @ {$1400.00} for 15 Payments ( Can not Afford ) If I had accepted 3 % @ {$1400.00} for 15 Payments Initial Offer : I would of payed Navient a total of {$21000.00} In the first 3 months, the account would accrue capitalizing interest at normal rates : $ XXXXx3= {$4700.00} Gross Repayment ( before interest of 3 % ) would have been {$14000.00} in 15 months ( 21000 ( out of pocket ) XXXX ( missed payment ) -XXXX ( capitalized interest for 3 months ) = ) {$14000.00} Net Repayment with interest would have been {$7900.00} with out of pocket at {$21000.00} ( XXXX ( Gross Repayment ) XXXX ( interest for 12 months @ 3 % =XXXX per month ) ) Option 3 ) 1 % /XXXX Months Interest Rate @ {$690.00} for 15 Payments If I had accepted the 1 % @ {$690.00} for 15 payments ( There supposed favor ) : I would of paid Navient a total {$10000.00} Per Collections first 3 months were to cover the delinquency {$2000.00} In the first 3 months, the account would accrue capitalizing interest at normal rates : $ XXXXx3= {$4700.00} Gross Repayment ( before interest of 1 % ) would have been {$3500.00} in 15 months ( XXXX ( out of pocket ) -XXXX ( missed payment ) -XXXX ( 3months capitalizing interest ) = {$3500.00} ) Net Repayment with Interest would have been {$1500.00} with out of pocket at {$10000.00} ( XXXX ( gross repayment ) - XXXX ( Interest for 12 months @ 1 % =XXXX per month ) ) I am completely aware that term lengths also play a part in amount of principal repayment but my total out of pocket would have been {$21000.00} ( @ 3 % ) or XXXX ( @ 1 % ). Both of these options are significant portions of my income. In 15 months, my balance would of reduce by {$7900.00} @ 3 % or {$1500.00} @ 1 %. The first options mean that 37 % of my contribution of payments actually went to principal. The second option means that only 14 % of my contribution of payments actually went to principal. Collections and Customer Advocate make it sound as their doing me a favor but there placing me, the consumer, at a significant risk where I would out of pocket significantly while Navient holds complete discretion in terms of assisting the borrower and could swing the terms in their favor to control repayment or nonrepayment. Again, essentially trapping me in debt. I remind you that Navient essentially provided options that would not resolve the issue of the size of the payment but further postponed the payment which systematically increases the balance which further worsens the original problem of unaffordability. This behavior shown by Navient not only influences my Credit and future utilization of it but the financial security of my family. Which although indicated by letter sent to customer advocate showed no regard or concern but assumed ignorance with these poor offers of repayment. | ||||||
| 06/07/2022 | Yes |
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| PAST HISTORY : In XXXX, I borrowed a {$6800.00} loan from Sallie Mae to pay for private tutoring for my ( then ) XXXX XXXX son to prepare for XXXX XXXX entrance tests. His lessons concluded successfully in XX/XX/XXXX. I made payments for about a year. However, due to a XXXX XXXX XXXX XXXX, in which I was unexpectedly poorly compensated ( $ XXXX ) in a XXXX settlement, I eventually became unable to continue with the loan payments. A company representative from Sallie Mae phoned with a threat : either I pay the loan or they would change the private loan to a student loan and block me from ever attending school again. Another phone call was made about three years ago with the exact same threat. CURRENT ACTIVITY : Two months ago, in XX/XX/XXXX, I was accepted into a XXXX program at a XXXX university back XXXX. I signed up for a XXXX XXXX student loan in XXXX, but was denied due to adverse credit. Sallie May ( now renamed Navient ) had followed up on their threat. On StudentAid.gov, a student loan for {$8000.00} ( appr ) was fraudulently posted from this 17 year old debt ( which would have been charged off ). Also, this company accessed all three credit reporting bureaus ( i.e., XXXX, XXXX, XXXX ) with 10-15 false charges with arbitrary amounts ( e.g., {$200.00}, {$300.00}, etc. ), as having been recently made within the past two years -- now all being more than 120 days old. As a result, my credit rating plummeted XXXX to XXXX points on all three credit reporting bureaus. I made a complain with XXXX ; they contacted the company to no avail. I was instructed to contact the FCC with a complaint. However, my complaint ( w/ the complaint number and all relevant information was immediately erased ). Someone has been hacking my telephone and computer records continually. I have found that no private information is ever safe anywhere ( e.g., even while readying this complaint this am on my laptop, I watched my desktop computer suddenly shut off partially, showing a prompt that photos were being accessed -- without my permission ). DOCUMENTATION : Consumers are instructed to keep financial data for up to seven years. Therefore, most people would not have any proof against this type of activity from XXXX years ago. However, I am enclosing documents that show proof of loan amount from a screenshot from my online account and signed information for the private tutoring ; this was not a student loan for myself, but a private loan for my son. It should be stated that he went on to not only earn XXXX XXXX XXXX but, also, just XXXX XXXX XXXX last month. XXXX XXXX XXXX XXXX XXXX : As a XXXXXXXX XXXX XXXX who has been on a federal XXXX for two decades ( i.e., XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), I am now fighting for my basic survival. Sallie Mae 's illegal activity has now pushed my finances on the brink to force me into immediate XXXX, next month. Although I went through XXXX XXXX w/ the State of California XXXX who allowed me to earn my advanced degrees, e.g., I, too, XXXX from XXXX last year with my XXXX XXXX Yet, the prospect of gaining employment in a post-COVID world is very slim. After years of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did well to XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and was prepared to launch an XXXX XXXX However, the pandemic blocked me from returning to employment to earn income for XXXX Then, all ( XXXX ) Pandemic-related benefits for us, " XXXX '' or XXXX XXXX abruptly ended in XX/XX/XXXX, right before I could advertise my XXXX XXXX or launch my online XXXX. Now, two months ago, in XXXX, my CA COVID-19 Rent Relief benefit ended. The second and last payment is due in the mail anytime. Yet, I am now three months in arrears ; and state eviction protections ends on XX/XX/XXXX. Therefore, I was quite pleased to have received an Financial Aid Awards Letter on XX/XX/XXXX from the university showing that I had been granted a {$8600.00} XXXX XXXX student loan and a Federal Unsubsidized loan for {$26.00} for my summer semester classes that begin on XX/XX/XXXX, which I immediately accepted. I also applied for a XXXX XXXX with results pending until XXXX, next month. Yet, due to Sallie Mae/Navient 's illegal actions, the university abruptly cancelled my Financial Award letter. Now, the ONLY financial aid I have is for a meager {$26.00}. Yet, I already owe more than {$3000.00} in tuition for the summer semester. Both of the threatening Sallie Mae representatives were brazen in their boasts that I would not be able to do anything about their illegal activities. The company would succeed in absolutely ruining my life, and I would have no recourse. Thus, now, I can not take out a business loan, buy property, rent a property, buy a car, go to school, open a department store account, buy goods or services online, etc. My credit rating is in the " poor '' category. Yet, before, with my previous XXXX rating, I would have qualified for a FHA home loan ( which requires XXXX plus ). MORE EXAMPLES OF BRAZEN BEHAVIOR AGAINST AMERICANS : I have seen such brazen and illegal activity repeatedly in my life : e.g., in my XXXX XXXX XXXX XXXX XXXX ) case, the defense lawyer laughed in my face and my lawyer 's face at the XXXX XXXX courthouse, saying that they knew I had been XXXX XXXX XXXX XXXX, but they would get away with not having to pay. He had just come from the federal courtroom, where he had just promised the judge that they would pay that very day. I had already been made to wait almost a year for any XXXX payments and was in dire straits ( e.g., I also was made to wait three years for Social Security benefits and XXXX XXXX which was a completely unprecedented waiting period ). Yet, I had just proven with documentation submitted to/by my California assemblyman representative that test results were being changed, doctor records deleted, and other fraudulent activity occurring to destroy my XXXX case. ). Another example of fraud occurred, which resulted in the majority of my XXXX XXXX being wrongfully taken by a federal judge in XXXX, who instructed my former husband how to do so -- four years after our marriage was over. The awarded amount was approximately $ XXXX ; I received $ XXXX. My lawyer said XXXX and XXXX had no choice, but to pay him. During our marriage dissolution case in XXXX, the same judge allowed him to fraudulently report a $ XXXX annual income, when his earnings were actually in the six figure range. As a result, I was only given {$75.00} every two weeks ( or $ XXXX ) in alimony to this day. My former husband also was later allowed to wrongfully seize all proceeds of our home sale, and instructed by the judge how to take my portion of his pension ( although I stayed home to raise our children at his request ) ; my future social security pension at age XXXX from his account, and my 401K portion of his pension ( he retired about three years ago ). Yet, sadly, in XXXX, my children and I had previously been ordered by XXXX XXXX Sheriff, into an XXXX XXXX XXXXXXXX for four months because of his activities. I had to go to court to fight for the right to have four hours to collect our possessions. Also, I was XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, three weeks before my XXXX XXXX A XXXX man waited in his car on the opposite side of the street with no parked cars to impede his view. When he saw me, while laughing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No lawyer would take the case. A deputy district attorney even told me 'not to go there ' in describing what had happened ; in other words, I did not even have a right to expose his potentially-deadly crime. Yet, my car with only {$4500.00} worth of damages was only compensated with {$1800.00} ; my injuries were compensated for only {$500.00}. I had to pay all of my own medical expenses, tests, etc., when the case was clearly acknowledged as solely being 'at fault ' with the other driver. Other people are given huge settlements in such cases. It would frighten any federal representative reading this complaint, if I were to describe the type and numbers of unimaginable hate crimes being perpetuated continually in this country against my person, possessions, records, finances, etc. I have included these extra details because they are directly related to a seemingly-ORGANIZED ongoing pattern. My former husband fought this, too, during our marriage, and finally gave in. Nevertheless, we have an amiable relationship for the sake of our children. I have always reported these problems to every level of government possible, e.g., XXXX XXXX Sheriff, FBI, Department of Homeland Security, Workers Compensation Audit Board, Department of Consumer Affairs - Automotive Division in California, etc. The results are always the same : all cases are always summarily dismissed, evidence is thrown out from doctors, political representatives, etc., and these brazen activities, with their detrimental effect against my life, are allowed to stand. Thankfully, against all of the odds lined up against us, my son and daughter, under my tutelage did quite well ; my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is about to be married. Our faith in our Savior and L-RD Jesus stands as a testament to His faithfulness. CONCLUSION : I really do not wish to lose my townhouse apartment with all of my possessions regained from the past 25 years, next month. Is my entire family really supposed to witness the soon financial destruction of their mother, a XXXX citizen who raised them well -- all because those who act illegally and brazenly, are ALWAYS allowed to do so freely, and, so well -- that they have absolutely no concern of any repercussions or prosecution. Another name for when this occurs is " corruption, '' a concept which is usually considered indicative of foreign governments. Therefore, this complaint represents one more determined attempt to have my grievances addressed. XXXX XXXX starts on XX/XX/XXXX. I will have to XXXX XXXX XXXX in two days, if the XXXX does not act on my appeal. Any/all federal student aid will be lost, consequently. Yet, I really do not need an delinquent student bill. Last week, studentaid.gov representatives only phoned twice at inopportune hours ( e.g., XXXX, XXXX ), and my phone did not ring. Therefore, I made two more phone calls with representatives requesting agent calls on my behalf, over the past three business days. Yet, the normal follow-up phone calls were not made. However, I was only asking for an email address, so that I could follow the website 's instructions to document my description of the adverse situation. Sallie May ( or Navient ) is one of their largest loan providers at StudentAid.gov. Therefore, this refusal to receive my documents may be a sociopolitically or financially-motivated decision. Yet, they were bailed out in the billions of dollars by the federal government back during the XXXX recession, when their corporation experienced the inability to pay their debts. So, is this really a right response to an American citizen, such as myself, facing a personal debts, after repeatedly being deprived of rightful resolutions to my financial situation? So, here is one last comment. I did not mention that I am a XXXX XXXX. Consequently, how much does XXXX AND XXXX play into all of these incidents, as a major factor? Yet, as a XXXX woman, I believe that, we, must have enduring civil rights and legal rights in this country. Being a natural-born American should mean that we have the right to live and thrive here in our own country, doesn't it? -- -- -- -- -- -- -- -- - WHAT WOULD BE A FAIR RESOLUTION? My ongoing fight against unjust situations, as described in my FTC complaint, has resulted in occasional challenges to my credit file. However, according to the criteria issued by the StudentAid.gov office, only Sallie Mae 's actions resulted in the adverse credit denial of my XXXX XXXX loan. Therefore, a fair resolution to my FTC complaint is for Sallie Mae ( aka Navient ) to immediately make the following actions : ( 1 ) Immediately remove all of the false charges ( approximately 10-15 of varying arbitary amounts ) which were fraudulent posted onto the three major credit bureaus, i.e., XXXX, XXXX, XXXX. ( 2 ) Contact the StudentAid.gov website to fully remove the private loan from my financial records. ( Note : Two weeks ago, I found the loan posted, showing approx. {$8000.00} owed. Then, the dollar amount was replaced with the words " N/A '' ; however, the negative report still remains under the corporation 's name. ( 3 ) Allow me the right to live, i.e., to XXXX XXXX XXXX continue my life, and have the finances I need to pay for my household expenses. By doing so, I will be able to immediately utilize my XXXX benefits to pay for XXXX XXXX XXXX XXXX and launch my XXXX XXXX. My XXXX was highly rated by XXXX XXXX XXXXs in America, as having the ability to become a XXXX. My online business would also do well in my XXXX XXXX XXXX XXXX Therefore, I would be able to pay off the entire loan, if not immediately, then, a reasonable payment schedule could be arranged ( e.g., appr. $ XXXX ). ( 4 ) Issue a letter of apology to my school and myself for the unimaginable emotional distress inflicted by their fraudulent activity and the loss of my academic-religious reputation, by falsely being made to appear financially irresponsible, right before beginning XXXX studies. | ||||||
| 12/05/2017 | Yes |
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| To Whom is May Concern, I was officially accepted into the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I attended the school for two quarters. For the time I was at this school I received monthly statements for how much my school loans paid. On XX/XX/XXXX I received a letter from The Department of Education stating, Congratulations! Our Records reflect we have received the final payment ) See attached paper for more info. So great! All loans paid off. 2 years later : I did not move, I had the same email, the same address, same name. All of a sudden a bill comes from XXXX XXXX, showing what loan is out. At this time, I was confused seeing as I transferred schools in XX/XX/XXXX to XXXX XXXX University. I have no loans out there as my parents had the XXXX ( XXXX XXXX XXXX XXXX ) the XXXX XXXX did not except that type of payment at the time, hence the reasoning for taking out loans. I had stock money from my grandfather saved and that is how I was able to pay my loans off at once. So with the fact to my knowledge of a letter in hand stating I am paid off and have no loans out for XXXX. I contacted XXXX XXXX, which transferred me to Navient. After speaking to a lady at an extent of time, she had me fax the paperwork to her, she then was able to within the week find out that I had two loans out and that one paper was only for one of them which was under my moms name but the XXXX XXXX ( navient ) loan was still owed. The lady explained that back in XXXX Navient took over the student loans for XXXX XXXX. My issue comes now with the fact that if I had received a bill back when I left the school for this separate loan, I would have paid it off then and there as I did the other loan. But what is a person to do? I receive a Paid off letter, and hear nothing else for two years now. Yet I am suppose to just assume in this day and age that no one is scamming me for money? I was brought up better. So I did my research. I pulled out all of the papers to confirm, ok yes, I have two loans. I confirmed with XXXX XXXX that yes I have two loans. That somehow in this transfer from XXXX XXXX to Navient, that the computer on their end failed to keep me in the system and my issue now, is the interest at hand. So I contacted both the XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX to have sent over and confirm exactly what was due at the time I left the school. I was very specific as to what I owed exactly to be fully paid off, {$2300.00}. So I called up my stock, had the amount I needed sent to me. Then in return had a check written for {$2300.00} sent to Navient ( XXXX XXXX ) As I was copying all of the documents and the check to send out I noticed I was off by XXXX cents so I actually went into my wallet and then included XXXX pennies in the envelope I sent out. I did not want to be even a penny off! I sent a letter explaining everything and who I spoke to and was informed this should take care of everything. On XX/XX/XXXX, the check of {$2300.00} was deposited into Navients system. ( Not including the XXXX cents I added ). I did not hear a word from Navient for a month. Until they sent me a statement stating I owed {$550.00} for my loan. This amount being the Accrued Interest in the time I left the school to the time I made the {$2300.00} payment. I called up Navient and was shoved around day after day, month after month with different representatives telling me different things. I was told, there is nothing I see you owe. I was told I actually was owed money. I was told to contact the Ombudsmans office. I was then thrown around from person to person to person for weeks with different people once again with the Ombudsmans office, told each time I would be getting a phone call or an email, never did any of this happen and then each time I called to check my status no one would have any information and would push me to either, we will call you back or call someone else. I eventually spoke to a southern woman from the Ombudsmans office as I was walking out of the gym who saw all of my information and stated that I should no longer have any issues and it should be taken care of. That if there is more info needed I would get a phone call within 48 hours. Never received this call. When I did once again, another follow up call I called the Ombudsmans office who then told me that there is nothing they can do that I would have to go directly through Navient. Then I called Navient once again to tell them what I was told who then told me they couldnt do anything. So no one can do anything for me to help with my case, yet they can easily send me bills? I want to also state how every time I called Navient for help, I went through the whole story of what is going on to be told by each person, well you do not have to worry about it until XX/XX/XXXX, when we start collecting payments WHAT?! NO! I have already paid over {$20000.00} in student loans. I have even paid over a mistake Navient had in their computer system, I am not paying anything more! Also, I have really really great credit, and I need to get this handled now before it starts ruining it! Years go by, no contact from a rep on my case has been made and at this point I am just going to wait seeing as no one seems to want to help me. I am just another number for them. So XX/XX/XXXX comes around, my first bill in my email comes in stating I can now officially start making payments. So I start the aggravating process to get help with this once again. This time I seem to possibly have help from Navient, but they tell me to once again contact the Ombudsmans office. I speak to XXXX who decided to laugh at me, yes laugh at me and who decided to continuously cut me off when explaining my case and who I can tell heard nothing I said as she chose to not listen and came at me with, when you signed to pay the loan, you pay the loan plus interest, so you owe this. I replied with asking her, So XXXX, if you are all paid off, you pay, you received a letter you assume is for all loans, you then 2 years later receive a letter asking for more money, you would just pay it all including that 2 years of interest added on for the companies mistake? XXXX responded with, yes! If thats what I agreed to I would, and you agreed so you have to. I once again replied with, Yes I agreed to pay the student loans that I received for my education, which is exactly what I did and I even paid what I owed when Navient sent me a bill 2 years later, but nowhere did I agree to pay for Navients mistakes. At this time XXXX still did not care and told me there was nothing she could do and to try the Federal Student Aid. Which she gave me the number to, ( XXXX ) XXXX. There I spoke with XXXX who was very kind and understanding to my case, She proceeded with giving me a case # XXXX, took my email and stated I should here within 7 days from them to find out what they have decided. Well as nice as she was and as far as I have come, back to the beginning we go. As I heard nothing once again. So here we are in XX/XX/XXXX. I have been harassed with phone calls from Texas, XXXX XXXX, Ohio, Michigan, North Carolina all an automatic system when you answer or sent to a vm stating I can call and make arrangements to lower my student loan payments. I have spoken to these numbers and responded with these voicemails for the fact that I am at the point of doing whatever to get this case solved. But no one seems to really help. So now it is XX/XX/XXXX. Right off the bat I was ready to write this letter to you. My parents who are very smart, my father being a XXXX and also working as a XXXX in Cases for top XXXX all around, two people who have built their own businesses and have successful educations have informed me to not settle. This is not right and to proceed with contacting you and anyone else I need to outside of Navient who will help. So I took the liberty to go on my Navient account to print up my Account history. I was going back through all of the documents I have on file and came across a few disbursements, but the account not correctly adding up. So I contacted Navient to get a better understanding of what I was seeing now. I was connected with a gentleman by the name XXXX XXXX. ( Best spelling I could up with when informing his name ) He was very nice and actually took his time with me to see everything I was saying. Although we ran into an issue ( on top of the others ) as we were going over the Account history, XXXX was stating everything he had for my history. As he was explaining what he saw, I stopped and mentioned that he was missing two dates of history. XX/XX/XXXX with a Disbursement of {$1100.00} and XX/XX/XXXX Disbursement of {$1100.00}. He stated, he did not see this anywhere on my account. Yet as you can see in the document I provided, it is on the Account history from my account online with Navient. That was one thing that puzzled us both. Then we get to the paperwork I received from Navient on XX/XX/XXXX stating The school for the loan listed returned a disbursement of {$1100.00} but this loan is not considered paid in full. My question about this to XXXX was, where did this disbursement get returned to? From my understanding, the School returned the {$1100.00} back to Navient ( XXXX XXXX at the time ). Which going back to the account history : XX/XX/XXXX {$1100.00} plus XX/XX/XXXX {$1100.00} plus XX/XX/XXXX {$1100.00} = {$3500.00} XXXX XXXX ( Navient ) gave to XXXX XXXX XXXX for my education. But {$1100.00} was given back which seems from the statement XXXX XXXX wrote was returned to them. Is this what one of the representatives I spoke to a couple years back stated that Navient actually owes you money and we will call you back to confirm yet never did call me back? What does this mean? So then we get to our last confusing part of our discussion that we found. Looking at the same document I was sent on XX/XX/XXXX you will see at the bottom it states, Original Loan Amount of {$3500.00} then you will see, Outstanding Principal of {$2300.00}. The difference of {$3500.00} and {$2300.00} is {$1100.00}. Now with what this document states I had a disbursement of {$1100.00}. Which if you take {$1100.00} and subtract {$1100.00} you will get {$7.00}. If you now go and look at my Account History form again, you will see on XX/XX/XXXX the {$1100.00} Disbursement, and on XX/XX/XXXX the Adjustment of {$7.00}. Here is another way to break it down to help : Original Loan Amount : {$3500.00} Payment Made by me : {$2300.00} Total : {$1100.00} Disburment Returned ( to XXXX XXXX ) : {$1100.00} Total : {$7.00} XXXX XXXX Adjustment XX/XX/XXXX : {$7.00} Total : {$0.00} Where am I getting with all of this information? I am a very responsible individual, I have been over responsible for Navient ( XXXX XXXX ) error in their transition. I even made sure I did the right thing, did my research and then paid exactly what I owed when I left the XXXX XXXX. There is no way I will pay another dime to XXXX XXXX for Interest that has built due to their mistake. I would like to have this case better looked into to make sure I truly did owe that {$2300.00} even. If I did and it shows I took care of my payment, I would like this to not only corrected that I do not owe XXXX XXXX/Navient any Interest that was built since I left but I also want this taken care of by them with my Credit. As I have always had excellent credit and the highest score for my age and this school issue is destroying it as no one is facing the facts. I would like to add a couple more things. Since I spoke to XXXX and his Manger when they supposedly made me a case that did not have a case number and since I did make a case # XXXX with XXXX. Both telling me I would receive emails and phone calls to update me. I have not once received anything but emails about we see you may be having trouble paying issues. I also would like for you to see the email as I am attaching to this, If you look at their stamp on there with the tree in the lower right corner that states U.S. Department of Education. If you see on the document dated XX/XX/XXXX from XXXX XXXX. It states in the paragraph,, that loan was serviced Please compare this stamp to the one on the letter I received by the U.S. Department of Education on XX/XX/XXXX, clearly stating that I am paid off on my student loan. No where on here stating any specific loan. The account number not a number for either loans yet only to me meaning that, that is my account number for The Department of Education to keep track of my loans, payments. What I want out of this to Rap up my Complaint : I would like to have this settled by XXXX XXXX/Navient showing I am fully paid with no interest owed. I would like XXXX XXXX/Navient to contact and send it proper documentation to make sure this does not ruin my credit! I hope I can get some help from someone who can see I am clearly not running, I am not hiding, I am being more than responsible but no one in Navient seems to care and all they want is money. Which as a person who was raised in a family who work very hard as business owners, I know that nothing comes free and you must work hard and if you want something you have to earn it. I wanted my education and I paid for it. But I will not pay for a mistake that Navient made. If I need to take this to court, I am ready to do so. As much as a hassle that is and as much as I do not wish to do that. | ||||||
| 01/26/2018 | Yes |
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| I originally took out loans with the lender XXXX XXXX when I began college in XX/XX/XXXX/XX/XX/XXXX. Though payments on the loans would be deferred until I graduated I thought it wise to make voluntary payments on the interest that would accrue while I was in school. I agreed to this option only to deal with harassing calls about making these interest payments to myself and my Grandfather who was a co-signer of my loans. He and I both would get multiple calls a day regarding interest payments while I was in college that would wake him up and sometimes keep him up later into the night. This was only the beginning of my problems. Upon graduating college, I faced a number of difficulties including the XXXX of numerous family members including my Grandfather and co-signer of said loans, issues with credits/classes/educational matters before I could receive a diploma and begin looking for a job, as well as suffering from health complications due to XXXX XXXX. As payments on the principal balance of my loan began I was able to keep up with things, but as I started to struggle to make the high monthly payments this was expressed in a number of ways to service representatives from XXXX XXXX and Navient, who would eventually buy ( service ) my loans. If payments were late I would not only often deal with rude representatives that seemed to have a personal upset at me for my situation, but I would also receive what I would later find out to be inaccurate and incomplete information regarding the options I had for repayment of my loans. I expressed that the payments were rather high for what I could afford at the time ( I believe around {$900.00} in total ), given the job that I had and the money that I was able to save based on my other costs of living and expenses for medicine and such. Upon asking this question I was told numerous times that my best and really only option in this case was a forbearance. I began to know this word well. A quick $ XXXX-dollar payment that is not applied to any interest or principal amount but will bring my account " current '' and stop the harassing numerous calls a day to myself, my family, and even my place of work eventually. That's right, they even began calling my job. And still I asked, isn't there an income-based payment option yet was told that a forbearance was all I could really do at the moment. My records reflect I took this option numerous times, thinking it was all I could do. I reached the point of severe debt and marring of my credit and it seemed it was only at that juncture that someone with a higher authority from Navient contacted me and began discussing income-based repayment options. It seemed to be only due to the severity of my debt that they were contacting me as each representative before had explained that a forbearance was my only option. So, I explained to them what had happened, that I had faced numerous difficulties, was not receiving any workable options or help, and had basically had no choice but to make very small incremental payments on my loans when I could. I still needed to have money to buy food. At this point they agreed to schedule a review of both mine and my co-signers income and costs to determine a manageable payment plan. We did just this, very easily it seems this individual was able to take my multiple loans each with payments in the hundreds of dollars and interest rates often at 12 % down to a payment of just {$70.00} a month that would be Auto-Debited from my agreed bank account at a comparably very low interest rate of something like 3 %. I was shocked at how easy this was after dealing with such difficulty after months and months and being told that my only option was a forbearance for {$150.00} that basically went to what? The pockets of this company because it wasn't applied to even the interest that would accrue during that time of no payments let alone any principal amounts of loans. Naturally I took this option though, being vastly improved from what I was dealing with before. In this time I worked as often as I could, got my health in the best conditions possible, and dealt with things to the best of my ability. I faithfully made the payments I was responsible for and with the help of my additional co-signer on some of my other loans, my Father, I was able to budget my finances and manage my responsibilities as I worked to improve my situations. This seemed to be going well until only fairly recently ( ~XX/XX/XXXX ) when something changed. Payments started to fluctuate on when and if they would be drawn out and I was even credited money back at some point for a reason unbeknownst to me. My co-signers payments increased suddenly and though money for these payments remained in my account apparently Navient stopped drawing them out. This situation has just been raised to my attention and I've been trying to figure out the solution since then. Very recently as of the last few weeks of XX/XX/XXXX I've been attempting to sort this situation out. I have paper documentation that I keep but I also have used the web service to check records and make payments, but since I had been on an Auto-Debit program for so long I hadn't logged on to the website in some time and had forgotten my log in information. I called Navient 's service number to seek some help due to the online information retrieval failing to work for me in hopes that a service representative could steer me in the right direction of being able to log on to the website, view the status of all of my accounts in lieu of the confusion, and hopefully make a payment if necessary. My experience after this point was truly unbelievable. I went through the process of verifying my identity with the service representative and afterwards she asked if my calling had anything to do with the lateness of my payments. I responded that it did and that I wished to be able to find some help in fixing this situation by gaining access to my online account and going on later that night and making a payment after being able to view each loan 's status and what exact transactions had happened with them. She began asking many questions as to why I hadn't made payments and what was going on with me. The tone she had was already one of accusations and I answered her questions as accurately as possible and reiterated that my reason for calling was to find help in gaining access to my online account. She told me that I needed to set something up over the phone with her right then and there and discuss in further detail what my plan was because in her words " I had made an agreement and needed to be responsible for it ''. Naturally the feelings of irritation, accusation, and condescension don't put someone in a position to be openly communicative. I told her that I simply wished to gain access to my online account assuring her that I simply wanted to review what had occurred so I could better understand my loan status. She told me that because I receive paper documentation that I already have access to that information and became very forceful about setting up a payment right there on the phone. She told me it made no sense why I needed to see it online and accused me of having no intention to make any payment. Though this was extremely frustrating being told I could not access necessary information for my own accounts I tried to explain to this particular service representative that I did not have each of my paper documents in front of me, I wanted to see the current and accurate information that is reflected on the online account, and that it would make no sense for me to be calling and trying this hard if I my intentions were to simply hang up and do nothing. This seemed to really anger the representative though I was only being truthful and she told me again forcefully at this point, " Then I'm just going to have to write down that you refused to make a payment. '' Though shocked I tried to calmly ask if there was anything they could do about the online account and explain that I fully intended to make a payment right after I log on in only a few minutes. She seemed to begrudgingly say simply, " It's unlocked, go ahead, but I'm really going to have to write that you refused to make a payment, Goodbye Sir! '' All I could do was reiterate that I was going to log on to the account if it was indeed " unlocked '' and make a payment in a few minutes stressing that I did NOT refuse to make payments, I simply wanted to see that status of my account. I told her goodbye and though I was completely shaken by this event I suppose it isn't all that surprising. I had experienced this type of behavior many times throughout my interactions with student loan service representatives from XXXX XXXX and Navient both. It seems sometimes that there's no training or policy as to how these people are supposed to be interacting with their customers, they make you feel like dirt. And it would turn out that particular interaction was essentially in vain, because I still couldn't log on to my account. In disbelief that I was going to have to go through a similar painful process potentially with the same representative just to do something so basic as log on to my online account on Navient.com, I resolved myself to calling right back. This time I luckily received a different representative who seemed to be in a much better mood. I told her not only what difficulty I had with the previous representative and how rude they had been, but also simply that my interest was logging on to my account to sort out this strange issue that I was having. Again I was shocked at the subjective difficulty of this situation, very similar to how I felt before upon being told again and again that all I could do was make a forbearance payment to have in a matter of minutes this torturous situation be reduced to a small payment and very low interest. The reasonable and cordial representative simply helped me log on to my account properly, asked if there was anything else I would need help with that night, and simply wished me the best. I couldn't believe how hard I had struggled before to do what was so simply done in a few clicks. I've now been able to log on to my account, view my status, and I did indeed make a payment on my loans that night. Despite the assertions of that rude representative, that was absolutely my intention the whole time. I suppose it's no wonder why they are having such difficulty getting people 's payments on track if this is how they behave. It would seem though that my payment schedule has changed dramatically, the payments are back up into the hundreds and the interest rates are higher than they had originally been, some as high as 13 %. At this point I will likely have to begin the process of calling Navient to find out what had happened, why my Auto-debit payments stopped in which for a long time I had achieved a consecutive payment status, among a number of other serious concerns. My co-signers household has been receiving harassing calls again and when I do try to call and find information, I'm faced with extreme rudeness and given very little help. My experiences with XXXX XXXX and Navient have been completely horrendous. I've dealt with rude representatives, harassing calls at all hours of the day despite multiple requests for them to stop, withholding of important loan information, inaccurate reporting and communication of loan repayment options, and now a refusal to give necessary account information needed to view account status and make payments. In my Grandfather 's last few years of life he was harassed by these people, my health and ability to afford food and medicine has been dramatically affected which in turn has seriously impacted my ability to seek and gain employment, and this all has put such a stress on the relations between myself and my co-signers, my Grandfather who has now XXXX and my Father, that there is now much bitterness between us because of all of this. Many times I've wished I never even went to college because then I wouldn't have had to struggle with all this debt like this. I'm one of the many people in America right now who are facing these sorts of problems. Actually, if I was alone in this I would have chocked it up to my own failings and never spent the time in writing this long letter, but it's because I've heard and seen so so many others with very similar stories that I find it not only necessary but my civic duty to inform those who may be uninformed about the nature of what has happened with Student Loans in America. We've been made well-aware what a challenging situation the " bubble '' of Student Loan debt is. It's situations in which I've described to you here that highlight how this bubble is given additional pressure, making it harder for struggling Americans to make payments who just wanted to get an education and better themselves in the first place. Let us not allow situations like this to first ruin individuals, then ruin communities. I'm sure it is no surprise to anyone involved in government to hear, but hear it now from a citizen, a constituent, an American. This needs to be looked at seriously because the stake of our economic future is at hand. Thank you very much for taking the time to read this, I truly appreciate it. Have a wonderful day! | ||||||
| 09/24/2023 | Yes |
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| XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, Texas XXXX Navient Loan credit report dispute Loan # XXXX XXXX XXXX XXXX XXXX XXXX Sallie Mae Smart Option Student Loan XXXX Sallie Mae Smart Option Student Loan XXXX Sallie Mae Smart Option Student Loan XXXX Sallie Mae Smart Option Student Loan XXXX Sallie Mae Smart Option Student Loan XXXX Sallie Mae Smart Option Student Loan XXXX Sallie Mae Smart Option Student Loan XXXX Sallie Mae Smart Option Student Loan XXXX Sallie Mae Smart Option Student Loan ISSUE : Dispute Credit bureau report of 60 days late payment reporting on XX/XX/2023 ( See attached document Credit Bureau 60 days late report due to loan ending in XXXX ) Along with other late reporting with remaining 8 private loan noted above. It is with sadness and disappointment that I am writing this letter. My experience with Navient since the first day I applied for my first student loan with my ex-wife as co-signer over 5 years ago has been nothing but sheer nightmare, hardship, stress, surmounted cost from damaged credit report, deny mortgage due to bad Navient report, higher interest rate payment on my car note to separating with my ex-wife due multiple issues related to Navient lack of transparencies, inability to assume its mistake of lying to customers, providing wrong information, incorrectly applying payment to wrong loan, charging same loan payment multiple times in one payment cycle and charging late fee while still collecting auto draft payment without raising issue of auto draft scheduled date incurring fees, please see all evidence provided. Issue 1 - Wrongful credit report while payment, auto draft, are made based on information received. On XX/XX/2023, at XXXX PM central time. I spoke with Navient Representative XXXX XXXX about my account, and she seemed knowledgeable and did confirmed that my account should not have been reported past due because as of XX/XX/XXXX my account was a month past due but payment made brought my account to XXXX. Meaning this reporting to the bureau in Month of XXXX is inaccurate. She even advises that I call in few days and that she will refund all late fee. She even added that she will move my loan due date to align with payment plan date which apparently is contributing to late fee. In a nutshell, Navient knowingly schedule payment plan date outside of payment due date and collect late fees. Know this information should be disclose to client such that if payment plan is schedule far from due date could lead to involuntary late fees. iF clients have this information, they will obviously prefer a payment date that does not incur late fees. I would like to start by directly pointing what transpired me to write this letter of credit report dispute. The issue is in reference to loan XXXX XXXX. For the longest I can recall this loan has been on an auto draft in the amount of {$91.00} and periodically I will call Navient to check to make sure Navient does not need anything from me. About 4 months ago to this day, XX/XX/XXXX, some of my loans were coming out of a repayment plan. I called Navient asking what is needed to enroll back into the repayment plan and how much to set my auto draft payment. I was informed of all that was needed on the call, I then set up an auto draft as always including loan # XXXX. Today XX/XX/2023, I received a notification from the credit bureau showing that my credit score drop about XXXX points one of the reason I was inform was that loan # XXXX was reported having missed payments ; however when I look at my monthly auto draft set by Navient, all my payment seemed have been made. I called Navient to see what is going and no ones can seem to explain what is going on. When I scheduled my payments few months ago, I was never told that loan # XXXX payment is more than {$91.00} and to that point I am not even sure if that is the issue as my payment history show that I was paying exactly the amount due, interest amount, please reference payment history of loan # XXXX. To conclude this first part of my issue with Navient, stuff constantly provided incorrect information, set up incorrect payment plans, no one contacted me or emailed me about payment issue. I almost always call to ask what is going on, but I would think that Navient would have been the one contacting customers about payment and not the other way around where customers are calling to make sure they are not falling behind and not know. Here I am asking that Navient not only remove the recent credit report to the bureau but remove past late payment as these were also similar issues where I was told to make my payment which I did and still got reported simply because the amounts that were being drafted were not enough even though they were the exact amount that Navient reps scheduled to be drafted to satisfy my payment. If these issues are not fixed with the bureau, I will follow a formal complaint with the CFPB, FTC and file a lawsuit for all financial burden the damaged you inflicted to my credit due to Navient inability to be truthful, transparent and own its end of the bargain as related to misleading clients with false information. FYI- On XXXX XXXX, I called Navient at about XXXX XXXX Central time and spoke with a gentlemen name XXXX, I have asked for his last name or employee ID. He stated that he is the only XXXX at Navient which I found it hard to believe. Goes to show what customer face day to day when calling Navient. If you pull and listen to the call, I have asked XXXX to confirm that my payment plan set up on XX/XX/2023, call is correct in that all monthly payment are set on an auto draft included loan ending in XXXX. XXXX confirmed yes. I also ask to confirm auto draft amount for loan ending in XXXX. XXXX confirmed {$91.00} which is only about {$.00} more than previous auto draft for loan ending in XXXX. This means that indeed loan ending in XXXX has been drafted correctly in the amount of {$91.00}. I then asked if auto draft for loan ending in XXXX is correct then why did Navient reported 60 days past due on my account. XXXX responded that payment for XXXX and XXXX were not received, and payment made in XXXX was return unpaid. I one find this to be incorrect, one if XXXX and XXXX payment is missing wouldnt payment made in XXXX, XXXX, XXXX, XXXX and large payment on this loan ending in XXXX made on XX/XX/XXXX in the amount of {$310.00} take care of {$91.00} XXXX and XXXX XXXX? in fact when reviewing attached account history, you will noticed that in XXXX payment reverse was put in back of loan after speaking with a rep to set up a payment plan Please note that everything on my account, activities, payment etc are result of conversation with reps as I do my very best to follow their instructions and set up payment plans, auto draft etc. either way account XXXX should not have been reported as all payment on this account are up to date for last 12 month and any missed payment would have been reconcile with large payment in the amount of {$310.00} made through the rep who actually stated that is what I needed to pay. Also based on my account history my payment in the amount of about {$740.00} was processed and withdrew from my bank account on XX/XX/2023. Please see both my bank account record, check record and Navient record showing payment made and processed successfully on XX/XX/XXXX. This goes to show that not only information provided by Navient rep is inconsistent with the expectation and actual action that take place, but also that when there is an issue there is a lack of communication from Navient and I am always having to call to know what is going on. I would assume that before reporting to credit bureau Navient would have made an effort to contact me in the last 4 months, but they did not. Also looking at my account even though I have payment scheduled on auto draft I am incurring late payment each and every months. Could it be that auto draft set on payment past due date incurs fees? If yes, this should be disclosed to client otherwise we are under the impression that we could be a payment date regardless of due date. At least in my case I am charge fees each month for past years which I would like reverse. To show so much disconnect among reps at Navient, I called back later today XX/XX/XXXX and here is what was the conclusion from another rep which is makes more sense than all the other reps. Please pull conversation record and check for yourself, XX/XX/2023, at XXXX XXXX central time. spoke with Navient Representative XXXX XXXX. On XX/XX/2023, at XXXX XXXX central time. I spoke with Navient Representative XXXX XXXX about my account, and she seemed knowledgeable and did confirmed that my account should not have been reported past due because as of XX/XX/XXXX my account was a month past due but payment made brought my account to XXXX. Meaning this reporting to the bureau in XXXX of XXXX is inaccurate. She even advises that I call in few days and that she will refund all late fee. She even added that she will move my loan due date to align with payment plan date which apparently is contributing to late fee. In a nutshell, Navient knowingly schedule payment plan date outside of payment due date and collect late fees. Know this information should be disclose to client such that if payment plan is schedule far from due date could lead to involuntary late fees. iF clients have this information, they will obviously prefer a payment date that does not incur late fees. Issue 2 - issues experience over the years with Navient Many times, there have been disconnect among staff members at Navient. Many times, I have called and seems that each time I am provided different information and wrong information. Reps at Navient actually acknowledged many times that previous reps have be incorrect etc. If stuff at Navient cant speak the same language, I dont know how we the general public are supposed to understand what you are saying. I can truly say that Ive been misled over the years many times over by Navient, which cost many credit reporting and credit issues, high interest on car loan, denied mortgage because of Navient report dropping my credit score to an all-time low. Note, I have 9 loan and whenever a report is sent it may have 9x impact to my credit report. Note on may occasion I have noticed Navient withdrawing payment from my bank and apply 2 payments on 1 loan. I have voiced this issue in the past and Navient acknowledge this unauthorized transaction and always end up saying sorry and apply the extra payment to future loan payment. This practice should be illegal and should have serious implication as most people do not have money laying around for overpayment on a loan. Many times, Ive had to rely on the information that is provided by Navient representatives, but seems like no matter how much I try to rely on the information I receive, I must proactively call to check to make sure everything is alight and even then, seems like Navient finds a way to mess up my account, auto draft etc. At this point I have concluded that information receives from Navient going forward is not reliable, it is often inaccurate and leaving customers is a mess and financial hardship. With every case there must be evidence and concrete examples. Ok, lets go back to my earlier issue # 1, I called Navient around XX/XX/2023 to make sure all my payments are made and check on re payment plan expiring and set up a new plan. Rep explained everything and ask that I pay about {$740.00} to re-enroll in payment plan satisfying all loans and set up auto draft for all 9 loans. At this point I understood the following, make payment, schedule auto draft and just monitor that payment auto draft. Now we pass the month of XXXX, XXXX, XXXX, XXXX while payment are being drafted as agree, in the backend loan ending in XXXX is being underpay something I did not know, no one called, no email or mail about an under payment if that is even the issue which I am to clear with Navient. Another issue, no one seems to know what is going on when something goes wrong. Due to your mistake and misinforming me of payment amount drafted each month if and again if the issue is really underpaying. The issue could be bigger than that meaning that you maybe wrongfully charging amounts and incorrectly allocating them. Either way I am asking that you clean up my credit report and remove these wrong credit report due to your stuff wrong directions and information. Also you will notice that there is no record of someone reaching out to me in XXXX or XXXX about late payment or credit report. Think about this, now why would I pay all my loans each month only to leave out a small amount that is not been drafted from my account? I definitely know that paying loan is to avoid credit report, but seems like here paying my loan auto draft each month sent me to negative credit reporting. | ||||||
| 10/13/2021 | Yes |
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| On XX/XX/XXXX I received a full discharge of debts via Chapter XXXX Bankruptcy. See Bankruptcy Discharge Order, XXXX XXXX. XXXX. However, Navient, a creditor has refused to acknowledge the discharge of the debts and continues to report the discharged accounts as open as well as illegally engage in collection activities. It was determined that the private loan debts associated with Navient do not qualify as non-dischargeable, and thus did not require an adversary proceeding for discharge, therefore making them included in the general discharge order. The two statutes that dictate dischargeability are 11 U.S.C. 523 ( a ) ( 8 ) ( A ) and 11 U.S.C. 523 ( a ) ( 8 ) ( B ). Navient has already affirmed the loans do not fit the requirements under 11 U.S.C. 523 ( a ) ( 8 ) ( A ) and that they do not have information to prove or show cause that the loans fit under 11 U.S.C. 523 ( a ) ( 8 ) ( B ). It is important to note that this complaint is not an argument that the loans should be discharged. This complaint is to assert the fact that the discharge already happened and Navient refuses to comply with the legal discharge order. The exact language of statutes being referred to throughout this complaint are written below as a reference - 11 U.S.C. 523 ( a ) ( 8 ) states : ( a ) A discharge under section 727, 1141, 1192 [ 1 ] 1228 ( a ), 1228 ( b ), or 1328 ( b ) of this title does not discharge an individual debtor from any debt ( 8 ) unless excepting such debt from discharge under this paragraph would impose an undue hardship on the debtor and the debtors dependents, for ( A ) ( i ) an educational benefit overpayment or loan made, insured, or guaranteed by a governmental unit, or made under any program funded in whole or in part by a governmental unit or nonprofit institution ; or ( ii ) an obligation to repay funds received as an educational benefit, scholarship, or stipend ; or ( B ) any other educational loan that is a qualified education loan, as defined in section 221 ( d ) ( 1 ) of the Internal Revenue Code of 1986, incurred by a debtor who is an individual ; As referenced by 11 U.S.C. 523 ( a ) ( 8 ) ( B ) - section 221 ( d ) ( 1 ) of the Internal Revenue Code of 1986 states : ( d ) Definitions For purposes of this section ( 1 ) Qualified education loan : The term qualified education loan means any indebtedness incurred by the taxpayer solely to pay qualified higher education expenses RE : 11 U.S.C. 523 ( a ) ( 8 ) ( A ) The loans are not considered an educational benefit per the most recent ruling by the United States Court of Appeals for the Second Circuit which stated The defining characteristic of a loan, by contrast, is an unconditional obligation to pay it back. Interpreting educational benefit to cover all private student loans when the two terms listed in tandem describe specific and quite limited kinds of payments that... do not usually require repayment, In re Crocker, 941 F.3d at 220, would improperly broaden 523 ( a ) ( 8 ) ( A ) ( ii ) s scope. Homaidan v. SLM Corp. ( In re Homaidan ), 596 B.R. 86 ( Bankr. E.D.N.Y. 2019 ). As such, they would not be exempt from the general discharge order. In fact, Navient agreed with and recognized this fact in an email from their Customer Advocate, XXXX XXXX and both her Supervisor, XXXX XXXX, and Navients Associate General Counsel, XXXX XXXX, conceded to this fact. Yet, they still have not removed me from the account nor updated the credit bureaus ; and persist with unlawful collection attempts. In prior communication with Navient, Navient already agreed and stated that the private loans associated with Account # XXXX " do not meet the criteria for non-dischargeability under 11 U.S.C. 523 ( a ) ( 8 ) ( A ) ( ii ) '' [ a direct quote from Navient ]. See Navient Response Email dated XX/XX/XXXX. Thus, the loans did not require additional action beyond the general discharge i.e., did not require an adversary proceeding. As a result, the loans were included in the general discharge ordered on XX/XX/XXXX ; and are to be recognized as discharged which requires Navient to remove my name from the account and update the credit bureaus accordingly. RE : 11 U.S.C. 523 ( a ) ( 8 ) ( B ) It also has already been confirmed that the loans also did not meet the criteria for non-dischargeability under 11 U.S.C. 523 ( a ) ( 8 ) ( B ) as they do not meet the definition of a " qualified education loan '' as defined in section 221 ( d ) ( 1 ) of the Internal Revenue Code of 1986 ; because " Navient would not have information regarding how the proceeds were applied '' [ a direct quote from Navient ] and thus Navient can not factually assert that they were used " solely '' for qualified education expenses. See Navient Response Email dated XX/XX/2021. To be clear, if even one ( 1 ) cent of any loan is used for anything other than a qualified education expense, that means it was not " solely '' used for qualified education expenses and as such it can not be deemed a " qualified education loan '' per section 221 ( d ) ( 1 ) of the Internal Revenue Code of 1986. I have already affirmed and informed Navient that the loans were not " solely '' used for qualified education expenses, and Navient conceded that they have no evidence to the contrary. Thus, the private loans associated with my Navient account failed to meet the criteria for non-dischargeability that would require an adversary proceeding, and as a result were included in the general discharge order. In fact, when presenting this information to Navients Associate General Counsel, XXXX XXXX, he did not argue against or challenge the fact that the loans were not used solely for qualified education expenses. Furthermore, he inaccurately stated that the loans " are non-dischargeable in bankruptcy because they were certified by XXXX XXXX as being within the total costs of your attendance '', and related this to the term " qualified education loans, as that term is defined in 221 ( d ) ( 1 ) of the Internal Revenue Code ''. See Navient Response Letter dated XX/XX/XXXX. However, this attribution is wrong and misleading- the language in the statute is very specific and narrow ; and makes it clear that a certification by the university as to the cost of attendance is not what makes a loan a " qualified education loan ''. Thus, Navient is not arguing or asserting that the loans were used solely for qualified education expenses which is the requirement under 11 U.S.C. 523 ( a ) ( 8 ) ( B ). In this complaint, I provided the exact language from the statute and it is explicit in that it states the indebtedness must be " incurred by the taxpayer solely to pay qualified higher education expenses ''. XXXX XXXX XXXX certification of the cost of attendance does not certify that the funds were incurred " solely to pay qualified higher education expenses ''. It is a gross misrepresentation of facts by Navient to state that this in any way certifies the purpose of the loan- as it is clear the university only certified the amount of the loan as it compares to the cost of attendance, not the purpose of the loans. In fact, by Navients own assertion, " the stated purpose of your Loans, and not the ultimate use of proceeds, is what controls dischargeability under Bankruptcy Code 523 ( a ) ( 8 ) ''. See Navient Response Letter dated XX/XX/XXXX. As such, neither the university nor I certified the stated purpose of the Loans. Thus, the loans do not fall into the purview of 11 U.S.C. 523 ( a ) ( 8 ) ( B ), and therefore they do not fit the definition of 'non-dischargeable ', and as such, were included as part of the general discharge order related to my bankruptcy proceeding. To reiterate, the loan amounts falling within the total cost of attendance does not indicate nor serve as proof that they were incurred solely for qualified higher education expenses. Furthermore, the promissory agreement signed for the Loans concedes that the Loans may be incurred for and consist of " funds that can not reasonably be attributed to meeting the education expense of the student borrower related to attendance at the School ''. See Sallie Mae Promissory Note XXXX. In addition, the School Certification section of the loan applications simply state " the Total Certified Amount does not exceed the student 's cost of attendance ''. See Sallie Mae Promissory Note XXXX. XXXX XXXX did not in any way certify the stated purpose of the loan - which by Navients own assertion, the stated purpose of the loan is what courts have used to interpret 221 ( d ) ( 1 ) of the Internal Revenue Code, and represents Navient 's position. To reiterate, a stated purpose would have to be explicit in stating that the loans were incurred solely and only for qualified education expenses not simply that they may be used for those expense but that they would only be used for those qualified expenses. Thus, by Navients own assertion - since there is an absence of the stated purpose of the loan, the Loans would qualify as being included in the general discharge ordered on XX/XX/XXXX. XXXX XXXX, on behalf of Navient, stated that the sole and only reason for Navients refusal to recognize the discharge is that, XXXX XXXX certification that your Loans were used to pay for the cost of attendance controls. Thats their stated purpose. See Navient Email Dated XX/XX/XXXX. However, this assertion is undeniably false. XXXX XXXX directly disagreed with and contradicted XXXX XXXX statement that characterized their certification process. How can XXXX XXXX, on behalf of Navient, stand by this false assertion and refuse to acknowledge the legal discharge when the certifying entity in question, XXXX XXXX, has confirmed that their certification does not provide or verify a stated purpose? Attached to this complaint is email from XXXX XXXX confirming that their certification process does not verify, assert, and is not any way related to the stated purpose of the loans nor the usage of the proceeds. Per XXXX XXXX Financial Aid Office, " Certification '' is the name of the process in which a financial aid counselor at a school verifies the amount of a loan a student is eligible to receive with the loan provider. A student is eligible for a loan if they are credit approved by the loan provider and the amount requested fits within the student 's Cost of Attendance budget for the year. See XXXX XXXX Email dated XX/XX/XXXX. Conclusion : There are only two things that could have made the loans ineligible for discharge - and these loans fit neither of those requirements. Navient has already agreed that the loans do not meet the definition of educational benefit as defined by recent court rulings. Navient has also agreed that there is no evidence to show that the loans were used solely for qualified education expenses. XXXX XXXX has also confirmed that their certification process does not verify, allude to, confirm, or in any way represent the stated purpose of the loans. Thus, all attendant facts that show that the loans were not exempt from discharge and also did not fit the criteria of qualified educational loans. It is abundantly clear that the private loans associated with Navient account were discharged via the general discharge ordered on XX/XX/XXXX. However, Navient refuses to comply with the discharge order. Furthermore, to avoid correcting their errors, XXXX XXXX has explicitly stated that Navient will not engage with me about my account, which boldly and unabashedly violates my consumer rights. He has also insinuated that obtaining an attorney is the only way that they will communicate with me about the debts. The seriousness of an attorney, unlicensed in my home state and representing the creditor at the highest level, withholding my account information unless I follow his inappropriate and unsolicited legal advice can not be understated. This is a result of their efforts to illegally collect on loans that have been discharged and to proceed with illegally reporting them as active. This is not an opinion or dispute ; it is a matter of law and facts that Navient has blatantly decided to disregard. Thank you, XXXX XXXX | ||||||
| 12/15/2017 | Yes |
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| This is my experience with XXXX XXXX XXXX and XXXX XXXX/Navient. I have been struggling with this loan situation since XXXX. Since then, I have been harassed by Navient, XXXX XXXX, and some company named XXXX XXXX. I only have an associate certificate in electronics, yet I somehow owe over {$40000.00}. The loans keep going up in cost, even while I am paying. Last year, I had my loans down to {$32000.00}, and then I lost my job. By time I could resume payments, my loans are at {$38000.00} again. I cant keep doing this. This is complete madness, and I have a family I need to take care of. An associate certificate should never cost {$40000.00}. It shouldnt even cost half of that, and to make matters worse, the degree is useless. Nobody in the professional world will acknowledge an XXXX XXXX XXXX certificate as being legitimate proof of education. For instance, I am a XXXX XXXX, and not an electrical anything. I can not get a job in electronics. With XXXX, you pay for a degree and you get it, so long as you show up. The degree you pay for is completely useless. I would like to talk about my performance in school, and the reason for attending. I graduated with highest honors, and perfect attendance. I graduated with a XXXX G.P.A. It turns out, that this means nothing, but I took this very seriously as I had XXXX kids, and no job to take care of them. Like many others, I felt that an education would be our best bet during the economic recession, as I lost my automotive manufacturing job due to outsourcing. Paying it back would be no problem, because I would have a great job, right? Wrong. Unfortunately, I fell for the advertising hype. It was a perfect scam with a complicit government agency. Its hard to admit you were taken advantage of and then ripped off, but that is exactly what happened to me. Now, I would like to talk about XXXX XXXX XXXX. While I was attending, between XXXX and XXXX, we had no less than XXXX deans, and no less than XXXX program chairs ( a program chair is the person who runs the program, be it XXXX, XXXX XXXX, etc. ), and hardly any of my instructors were there for a whole semester. I knew something was not right at this point, but I thought that I would be okay, because my loans were through the Department of Education. The DoE is supposed to make sure you get the proper education, and regulate the schools providing the education, right? Wrong again! Was that ever a mistake. Thinking back, I should have cut my losses there and dropped out, but I thought I should just get the certificate. You see, they start you with a bunch of fluff classes like, XXXX XXXX XXXX XXXXXXXX XXXX. After a couple semesters of fluff, you are already in debt up to your waist, and it only makes sense to keep going, as these fluff classes do not transfer. One of the more serious issues I have with XXXX XXXX XXXX, is the fact that they didnt teach anything. For instance, while in my digital electronics class, we learned nothing. About one week before our final exam, our instructor told us to get ready to write something down. After a moment or two, he started rattling off seemingly random letters. It turns out that we were transcribing our final exam answers. He gave us the answers to our final exam, a week before our final exam! If it isnt clear, all our tests and exams were multiple-choice. They even encouraged us to use methods of deduction to pass these multiple-choice tests. This is not conducive to the learning process. I feel that this alone, is enough to invoke a XXXX XXXX claim that XXXX did not provide the services they advertised. While in my college mathematics class, I noticed that most people could not grasp the concept of algebra. The instructor started giving people bad grades for doing bad work. Well, the first electronics chair reprimanded the math instructor for failing underperforming students. How is anyone supposed to learn under these circumstances? So, I graduated next to people who shouldnt have passed. This minimalizes my efforts, and the value of the education in general. Yet, I must pay premium prices for an absolute sham of an education? I believe XXXX XXXX XXXX was dishonest, and did not provide the services they promised. I was charged an inflated amount for my books, but they were custom editions of real college books, meaning they were about a quarter of the size. These custom editions can not be resold to other students, or any school book stores. They do not meet the requirements of real college books, and you are forced to buy XXXX books. You can not decline the books and use any others. You MUST purchase ITTs custom editions, as it is all rolled into tuition. I was even forced to pay for a {$500.00} tool kit that I didnt really use. Once again, these books are not acceptable at any other college. I feel that their dishonesty is enough to invoke a XXXX XXXX claim, and the federal government obviously felt the same way, when they sanctioned them into closing. Thats great, but it does nothing for the people currently affected by this scam. XXXX XXXX XXXX was labelled as a hands-on, kinesthetic learning center, but none of the lab equipment even worked properly. We had multiple instances where we had to cut our labs short because of faulty equipment. We were supposed to be able to work at our own lab stations, but it would be a miracle if even half of the oscilloscopes worked. You need to be able to do the labs alone, but the poor condition of the labs made it difficult. Another of the supposed, primary benefits of XXXX XXXX XXXX was supposed to be the job placement program. Do you know what that program was? It was a printed off list of XXXX and XXXX job searches, placed in a tray on a weekly basis. This is not a placement program, Its a scam. They did not provide the materials and benefits they promised. Once again, I feel that this alone should be enough to invoke a XXXX XXXX claim that XXXX did not provide the services they advertised. Once I graduated in XXXX, the only job I could find was an electronics repair technician, that paid {$8.00} per hour. When I went to the interview, it was a group interview with XXXX to 10 people, including myself. We were all sitting around a table and everyone was answering the same questions, except me. I was singled out for being an XXXX graduate. This man was extremely condescending after hearing I attended XXXX. This was really humiliating, even though I successfully answered the questions he asked me. You need to pay special attention to this, because I was singled out, but people that had no degree or certificate, were not singled out. This is what an XXXX certificate/degree looks like to the professional world, a joke. They did not provide the education they promised. Once again, I feel that this is enough to invoke a XXXX XXXX claim. Interesting enough, I learned of the XXXX XXXX closure from an engineer I was interviewing with last year. He told me the school closed, and then chuckled about it and told me that I should get my money back. He said it is a worthless school, and my certificate has no value. This was for an electronics job, that I did not get. Big surprise there. So, there I was, making {$8.00} per hour, with XXXX kids, and nothing else to my name. I was borrowing a vehicle from my grandparents, while living under their ( meager ) roof with my kids. Its also worth mentioning, that I have never used government or state benefits. I never had help raising XXXX kids with $ XXXX per hour. While I am dealing with this stress, I have XXXX XXXX representatives calling me non-stop, and threatening me with collections. Im sorry, but I can not afford to pay student loans over feeding and clothing my kids, with an {$8.00} an hour job. I tried explaining this to the associate on the phone, but they were very rude, and told me that I will never have credit again. This was in XXXX, and here I am in XXXX, with no usable credit due to XXXX XXXX/Navient. This harassment is unacceptable. I have NEVER missed my rent payment, car payment, bill payment, or any other payment, yet I can not get a loan for {$400.00} right now. XXXX XXXX dollars, but people with multiple bankruptcies can buy houses? I am worse off than someone with bankruptcies? Really? Is this what the DoE does? Loans money to pay a crooked school, just to ruin my life? Nice. Later in the year XXXX XXXX XXXX, I finally start a new job that pays decent. I had to travel away from my kids for 30 to 90 days at a time, while working up to 100 hours per week. I was making {$14.00} per hour, but had tons of hours. You may not believe me, but I have the pay stubs to prove it. During my first 30-day rotation, I had no money, and somehow had to feed myself while travelling for work. XXXX XXXX calls and starts threatening again. This time, the guy tells me that he will put my loans into collection if I dont pay him {$2000.00} immediately. Needless to say, I didnt have anything close to {$2000.00} available. Never once did this guy offer any type of option other than pay {$2000.00} on the spot. I simply couldnt pay, so now I have this XXXX XXXX XXXX harassing me, yet the loans they supposedly have, are still on Navients list, AND I AM PAYING ON THEM! This borrower is dishonest, subversive, and completely ignorant to the realities of life. Rarely did I ever get someone on the phone that I could understand. The only time an English-speaking person helped me, was when they were threatening me. They are supposed to offer ways to keep up on loans, but they didnt. They simply ruined my credit after harassing me. The loan servicer did not offer any other options, and made a decision that permanently ruined my life. If anything, this should be enough. In the end, my credit is ruined, my degree is worthless, Im completely stressed out, my loans are more than they were, even after all the money I have paid. Im just done with it. There is no reason to pay this much for any associate certificate, let alone a certificate from XXXX XXXX XXXX. This degree is a joke, and I am usually too embarrassed to even tell anyone I attended XXXX XXXX XXXX. They claimed to offer an accredited degree, but that was a lie. Once again, I feel that this is enough to invoke a XXXX XXXX claim. It just takes a quick search of the web for information on XXXX. There is literally no benefit to having an XXXX education. It looks bad, and it is an embarrassment. I dont see how I should have to continue to pay for it. In fact, I should be refunded all the monies paid to XXXX XXXX/Navient, plus I should be reimbursed for the time wasted and stress I had/must deal with. Now, I read the South Dakota is buying residents school debt, and then terrorizing them by taking their drivers licenses away unless they pay immediately. I can not let this continue, if that is going to start happening. The federal government is supposed to be protecting citizens from this kind of madness. I would like to attend XXXX XXXX XXXX, but I can not handle all of this financial stress while taking care of my kids, working, and trying to earn a Technologist degree. If you just skimmed through the letter, you need to at least read this sentence carefully. My degree makes me less marketable than I would have been otherwise. They ( XXXX XXXX did not provide the education they promised, and the borrower ( XXXX XXXX/Navient ) lied, and did not offer any other options, and completely ruined my credit, and negatively impacted my future, as well as the last 7 or 8 years. They also caused years of undue stress. Once again, I feel that this is enough to invoke a XXXX XXXX claim. My family and I can no longer take this. Please do something about this mess, because I cant deal with it anymore. I need to sleep at some point. | ||||||
| 08/26/2018 | Yes |
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| As a XXXX XXXX since XXXX, I should have been eligible for the Public Loan Forgiveness Program. The employment certification forms indicate that the loans will be moved, in preparation for qualifying for the program. After 10+ years, of making payments on 2 separate student loans ( one with Fed XXXX XXXX- covers my 2nd XXXX XXXX from the University XXXX XXXX XXXX XXXX, and XXXXne very large loan with Navient-covers my XXXX XXXX in XXXX XXXX from XXXX XXXX University in XXXX and my first XXXX XXXX from XXXXXXXX XXXX XXXXXXXX College in XXXX in XXXX ), I was told that my loans were not consolidated properly for this program. They were consolidated, but not for this program, so I would have to re-consolidate and then make 10 more years of payments. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ XXXX XXXX XXXX To XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX A Department of Education Servicer Image of the Public Service Loan Forgiveness Logo We received your application for Public Service Loan Forgiveness ( PSLF ). We will review to make sure your application is complete and confirm you meet the following criteria : You have made 120 qualifying payments on the Direct Loans for which you are seeking forgiveness You worked full-time at a qualifying employer when you made each of the qualifying payments Please note that the process of confirming your eligibility and qualifying payments may take approximately 30-90 days. Important Information : You must continue to work full-time for a PSLF qualifying employer until the time your forgiveness is granted. We may contact your employer directly to confirm your employment before granting forgiveness. Do I need to continue to make payments? It depends. Unless you specifically selected the option on your application indicating you wanted to continue making payments, we will suspend your obligation to make payments by applying a forbearance* to your Direct Loans if we confirm that you have qualifying employment that covers a 10-year period. We will continue to suspend your obligation to make payments on these loans until we have time to review all necessary documentation and determine your eligibility for forgiveness. Continue to make your payments until you receive confirmation that your payments have been suspended. Note : If you have other Direct Loans that still require additional qualifying payments or have other non-Direct Loan types, you are still obligated to continue making payments on these loans while applying for and after the forgiveness is granted. *If we make a final determination that you are not eligible for forgiveness, any outstanding interest may be capitalized ( added to your principal balance ) at the end of the forbearance period. You have the option to cancel the forbearance on your loans at any time. If you cancel, any outstanding interest may be capitalized and payments will resume. What happens if my request is denied? If we determine that your employer is not eligible, that your application is incomplete or that you have not yet reached the total number of qualifying payments, your forbearance ( if a forbearance was applied ) will end and you will need to continue to make your monthly payments. We will resume normal collection activities if you do not make your payments timely. Will I have to pay income tax on the forgiveness amount? No. According to the Internal Revenue Service ( IRS ), student loan amounts forgiven under the PSLF Program are not considered income for tax purposes. Please contact the IRS or a tax advisor for more information. Have additional questions about PSLF? Visit MyFedLoan.org/PSLF or contact one of our PSLF loan counselors. This is a table that provides you with detailed information such as your loan sequence, loan prrogram, and Outstanding Balance for each applicable loan. Direct Loan Details Loan Sequence Disbursement Date Loan Program Outstanding Balance XXXX XX/XX/XXXX DLSTFD {$2500.00} XXXX XX/XX/XXXX DLSTFD {$2200.00} XXXX XX/XX/XXXX DLUNST {$4000.00} ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Student Aid Feedback XXXX To XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX Dear Mr./Ms. : Thank you again for contacting the U.S. Department of Educations office of Federal Student Aid regarding your eligibliity for Public Service Loan Forgiveness ( PSLF ). We received your Employment Certification Form ( ECF ) for PSLF on XX/XX/XXXX. Your ECF was approved on XX/XX/XXXX and we began transferring your eligible loans for servicing. The ECF you completed states that you may only qualify for PSLF after you have made 120 separate, on time, qualifying monthly payments on an eligible Direct Loan, after XX/XX/XXXX, while employed full time by a public service organization. You received correct information when you were advised that you would have to reconsolidate your FFEL consolidation loan into a Direct Consolidation Loan in order to make it eligible for PSLF. Completing the ECF does not change the loan type and only verify 's your employment for PSLF purposes. We are unable to take action on your concern due to governing federal regulations. Attached is the regulatory reference for your information and records. We hope this information is helpful to you. We are going to close your case at this time. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ET ) How satisfied are you with the outcome of your complaint? Let us know by answering one question on your case details page! ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Apparently, I am not the only one, there are thousands of people in the same boat : As the first wave of borrowers submitted applications to get their remaining student loan debt erased under the Public Service Loan Forgiveness ( PSLF ) program last year, many were met with an unexpected response : They didnt qualify. That was after 10 years working in the nonprofit sector, or as teachers or government employees. After submitting the proper paperwork every year. And after making 120 payments. Rather than having their debt swept away, they were told they didnt hold up their end of the bargain and that many of their payments didnt count toward the requirements to qualify for forgiveness. In most cases, that was because the borrowers monthly payments were not made under the right kind of repayment plan, according to XXXX XXXX, a New York student loan lawyer. In the worst situations, borrowers were told they would have to start their payments again from the beginning and complete another 10 years of payments before they could qualify for forgiveness. That changed in XXXX, when lawmakers created a {$350.00} XXXX fund to give those who were denied forgiveness a second chance. On Wednesday, the Department of Education announced the process for those previously denied forgiveness to appeal. Denied Before? How to Know if You Qualify for Loan Forgiveness Under this temporary program, borrowers still have to adhere to most of the qualifications for the forgiveness program. You still have to have direct loans, you still have to be working qualifying employment, but if you were on the wrong plan for some of those 120 payments, you can request forgiveness under the program, and the fund is designed to pay for that, XXXX said. Now, borrowers who made payments under the graduated repayment plan, extended repayment plan, consolidated standard repayment plan or consolidated graduated repayment plan could qualify for forgiveness too, according to the Department of Education. But there is one important caveat : The money will be issued on a first-come, first-served basis until the fund runs out. That means you could qualify to get your loans wiped away but still be denied if you wait too long to notify the Department of Education. Its not a fool-proof guarantee, but it is a potential option for some borrowers, XXXX said. Something is better than nothing, generally. How to Appeal Your Student Loan Forgiveness Denial If you meet the qualifications for student loan forgiveness, simply send an email to XXXX with your name and date of birth. Heres a template from the Department of Education you can use to make it simple. Just copy and paste, then fill in the blanks and send it off as soon as possible. To : XXXX Subject : TEPSLF request I request that ED reconsider my eligibility for public service loan forgiveness. Name : [ Enter the same name under which you submitted your Public Service Loan Forgiveness application ] Date of Birth : [ Enter your date of birth in MM/DD/YYYY format ] Thank you. Expecting Forgiveness Later? Heres What You Need to Know Right now, only those who have already completed 10 years in a public service career and made 120 payment toward their direct federal loan and then got denied forgiveness can apply for help from the {$350.00} XXXX fund. For those who are still working toward that goal, this isnt going to help you now. It certainly means that unless Congress is going to be committed to replenishing that fund, it is going to be a limited number of borrowers who are going to be able to access that, XXXX said. The fund may be empty long before they can take advantage, and the future of the program is still unclear. Could someone who has made less than 10 years of payments on the wrong plan have those non-qualifying payments count under this expansion? Yes, its possible, XXXX said. But theyre not going to be able to get a definitive answer to that until they have accrued 120 qualifying payments, they apply, they get denied and then they appeal. The vast majority of people are going to be in the situation where they have made some years of payments that dont count and then theyre questioning whether or not they will be able to get those years counted, and the answer is there is absolutely no way to know. In the uncertain meantime, be sure to keep track of every communication with your student loan servicer and double-check any information it gives you to make sure its accurate. XXXX XXXX ( @ desi_stennett ) is a senior writer at XXXX XXXX XXXX. She writes about how government and court actions impact your wallet. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ I submitted the required email and received this response on XX/XX/XXXX YOU ARE BEING CONSIDERED FOR TEMPORARY EXPANDED PSLF Thank you for recently requesting that we evaluate your eligibility under the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) opportunity. We are reviewing your request. WHAT WILL HAPPEN NEXT? We will contact you if additional information is needed to determine your eligibility. Once the review is complete, you will be contacted. There is nothing more you need to do at this time. Subject : [ external ] TEPSLF Request To : Subject : TEPSLF request I request that ED reconsider my eligibility for public service loan forgiveness. Name : Date of Birth : Thank you. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ I have not heard anything since. Given, I should have qualified to have my loans forgiven in XX/XX/XXXX, I have now paid thousands more than I should have had to pay. After returning to Idaho, from working in Oregon for the XXXX school year, I have taken a drastic pay cut, and continuing to pay these loans is going to be more difficult. I am afraid to do anything to the loans, like consolidating again, because I worried that will restart the clock, and force me to pay for an additional 10 years. Please help me resolve this matter, as soon as possible. Sincerely, XXXX XXXX | ||||||
| 06/19/2018 | Yes |
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| On XX/XX/XXXX, I scheduled a payment for my personal student loan on www.navient.com to be made on XX/XX/XXXX, which was the due date. I received the payment confirmation email as I normally would, so I didn't think anymore about it. On XX/XX/XXXX, I received an automated email from Navient stating I have a new loan document available online. Since I get so many of these, I dont look at them. On XX/XX/XXXX, I received an automated email from Navient stating I have a new loan document available online. Again, didnt look at it. On XX/XX/XXXX, I received an automated email from Navient stating I have a new loan document available online. On XX/XX/XXXX, I received a call where the number showed as either restricted or unavailable, so I did not answer the call. The caller did not leave a message, so I searched the number online to see who it was. When I saw the number was associated with Navient, I logged into my Navient account and it showed I was past due for the XXXX payment. I quickly searched my email and found the payment confirmation that showed on XX/XX/XXXX, I scheduled the payment for XX/XX/XXXX. That confirmed I got the dates correct. Then I logged into the main bank account I use ( ending XXXX ) and saw the payment was never deducted from my account and as of XX/XX/XXXX, the balance in my account was exactly the amount of my Navient payment of {$190.00}. I went back to my Navient account online to look at the payment history and found they posted the payment on XX/XX/XXXX and reversed it the same day. I sent a fax to Navient at XXXX asking for an explanation as to why the XXXX payment had been reversed. On XX/XX/XXXX, I received an automated email from Navient stating I have a new loan document available online. On XX/XX/XXXX, I received an email from XXXX XXXX at Navient stating my XXXX payment had not been received. I replied to this email telling him to go check the fax I sent on XX/XX/XXXX at XXXX and told him to contact me once it has been reviewed. On XX/XX/XXXX, I received an email from XXXX XXXX at Navient stating they received my information on XX/XX/XXXX, but they were unable to assist me via email. I received another email from Navient the same day stating they received the information I uploaded through their website and it could take 32-35 business days for them to respond. I received a letter via USPS from Navient dated XX/XX/XXXX requesting that I send a copy of my bank statement showing all the debits, credits and running balance to show whether any activity for Navient occurred. On XX/XX/XXXX, I received an automated email from Navient reminding me of the payment due on XX/XX/XXXX of {$380.00}, which includes the XXXX payment amount of {$190.00} they still had not taken. On XX/XX/XXXX, I uploaded a copy of the Navient letter dated XX/XX/XXXX to www.navient.com, as well as a copy of the bank statement they requested and told them to process the payment and backdate it to XX/XX/XXXX. On XX/XX/XXXX, I received three emails from Navient stating they received the information I uploaded through their website and it could take 7-10 business days for them to respond. On XX/XX/XXXX, I started the process of paying my bills and when I logged into the Navient site to confirm the amount, I saw the XXXX payment had still not been processed. On XX/XX/XXXX, I logged into the Navient site to make the regular monthly payment of {$190.00} ( it had increased by {$0.00} from the XXXX payment amount ), in which I received a payment confirmation email the same day. On XX/XX/XXXX, the XXXX payment of {$190.00} to Navient was withdrawn from my bank account. I also received an email from XXXX XXXX stating that as of XX/XX/XXXX, the last payment Navient received from me was on XX/XX/XXXX. I replied to XXXX email telling him to check with the department that processes documents uploaded through the website because I uploaded the requested information based on the letter I received asking for the bank statement showing all the debits, credits and running balance. I received a reply email from XXXX XXXX at Navient stating they are unable to assist me via email. I replied back to XXXX that if she were to retrieve the documents I uploaded, she would clearly see that Navient did not attempt to collect the XXXX payment from my bank account. I further told her how I want Navient to correct my account by reprocessing the payment and backdating it to XX/XX/XXXX and reverse any fees associated with that payment. On XX/XX/XXXX, I received an automated email from Navient stating I have a new loan document available online. On XX/XX/XXXX, I received an email from XXXX XXXX at Navient stating the last payment they received from me was on XX/XX/XXXX. I replied to his email telling him to review the attached bank statement that shows no activity occurring on my account for Navient. I also told him to process the payment and backdate it to XX/XX/XXXX, reverse all late fees and to contact me when my account was fixed. The attachments on the email included the bank statement, a copy of the Navient letter dated XX/XX/XXXX and a copy of the memo I uploaded to www.navient.com on XX/XX/XXXX. I also sent a fax to Navient at XXXX stating Navient made an error in processing my payment for XXXX and telling them to process the payment and backdate it to the date shown on the payment confirmation email of XX/XX/XXXX. This fax included a copy of my bank statement, which does not show any activity for Navient, and a copy of the payment confirmation email dated XX/XX/XXXX. I also uploaded this exact information to www.navient.com. On XX/XX/XXXX, I received an automated email from Navient stating they received the documents I uploaded and they would update my account within ten business days. I also received an email from XXXX XXXX at Navient stating the last payment they received from me as of XX/XX/XXXX was on XX/XX/XXXX. I replied to his email stating the same thing Ive stated beforethe bank statement does not show that Navient attempted to collect my payment and telling him again to process the XXXX payment, backdate it to XX/XX/XXXX, reverse any fees associated with that payment and to contact me when my account has been fixed. I also stated the same information had been faxed to XXXX and XXXX, and uploaded to the Navient website within the prior 2 weeks. I also received two automated emails from Navient stating they received the documents I uploaded, however one states my account would be updated in three business days and the other stated ten business days. I received a letter from Navient dated XX/XX/XXXX stating they researched the details of the XXXX payment, which they claim was submitted using bank account ending XXXX, and found it was returned by the bank on XX/XX/XXXX. The bank statement I faxed on XX/XX/XXXX was for account ending XXXX. On XX/XX/XXXX, I received an email from XXXX XXXX at Navient stating the last payment they received from me was on XX/XX/XXXX. I replied to his email stating the same thing Ive stated beforethe bank statement does not show that Navient attempted to collect my payment and telling him again to process the XXXX payment, backdate it to XX/XX/XXXX, reverse any fees associated with that payment and to contact me when my account has been fixed. I reiterated all required documentation has been faxed to XXXX and XXXX, and has been uploaded to the Navient website within the prior 2 weeks. On XX/XX/XXXX, I received an email from XXXX XXXX at Navient stating they are unable to assist me via email. I replied to his email saying what Id said before the bank statement does not show that Navient attempted to collect my payment and telling him again to process the XXXX payment, backdate it to XX/XX/XXXX, reverse any fees associated with that payment and to contact me when my account has been fixed. On XX/XX/XXXX, I received an automated email from Navient stating I have a new loan document available online. On XX/XX/XXXX, I received an automated email from Navient reminding me of the payment due on XX/XX/XXXX of {$390.00}, which includes the XXXX payment amount of {$190.00} they still had not taken and a late fee of {$9.00}. On XX/XX/XXXX, I sent another fax to Navient at XXXX explaining that I am fairly certain I used my bank account ending XXXX for the XXXX payment and the bank statement for account ending XXXX does not show any activity for that month. I further explained that if either bank had returned my payment, they would have notified me in writing and charged an insufficient funds ( NSF ) fee to my account, however neither bank did. I would have also rectified the issue sooner had ANYONE contacted me about a problem. I again requested they process the payment and backdate it to XX/XX/XXXX, as well as reverse any late fees and remove any negative information they have potentially reported to the credit bureaus. This fax included a copy of the letter I received from Navient and a copy of my bank statement for account ending XXXX, which does not show any activity for Navient. On XX/XX/XXXX, I logged into the Navient site to make the regular monthly payment of {$190.00}, in which I received a payment confirmation email the same day. I also noticed the XXXX payment issue had still not been resolved and now I have been charged a late fee of {$9.00}. I refuse to pay any late fees associated with this XXXX payment. On XX/XX/XXXX, the XXXX payment of {$190.00} to Navient was withdrawn from my bank account. I also received an email from XXXX XXXX at Navient stating the last payment they received from me was on XX/XX/XXXX. I replied to his email telling him to check the fax machines. On XX/XX/XXXX, I received an automated email from Navient stating they received the documents I uploaded and my account would be updated in ten business days. On XX/XX/XXXX, I received an automated email from Navient stating I have a new loan document available online. On XX/XX/XXXX, I resent the XX/XX/XXXX fax to Navient at XXXX and explained I am awaiting confirmation that Navient fixed my account. I also received an automated email from Navient stating I have a new loan document available online. On XX/XX/XXXX, I received an automated email from Navient reminding me of the payment due on XX/XX/XXXX of {$390.00}, which includes the XXXX payment amount of {$190.00} they still had not taken and a late fee of {$9.00}. I also received an email from XXXX XXXX at Navient stating the last payment they received from me was on XX/XX/XXXX. I replied to his email telling him to check the fax machine as I sent a fax before XXXX. On XX/XX/XXXX, I logged into the Navient site to make the regular monthly payment of {$190.00}, in which I received a payment confirmation email the same day. I also noticed the XXXX payment issue had still not been resolved and now I have been charged two late fees of {$9.00} each, totaling {$19.00}. I refuse to pay any late fees associated with this XXXX payment. On XX/XX/XXXX, the regular XXXX payment of {$190.00} to Navient was withdrawn from my bank account. As of XX/XX/XXXX, the XXXX payment issue has still not been resolved and now I have been charged late fees totaling {$57.00} ( 4 fees of {$9.00} each and 2 fees of {$9.00} each ). I refuse to pay any late fees associated with this XXXX payment. They have completely ignored my requests to correct my account and take the payment from my bank account! I still receive the occasional collection emails, but I stopped responding because of all the previous correspondence Ive sent that they simply ignore. | ||||||
| 11/17/2017 | Yes |
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| Dispute to Navient answer ( recent case : XXXX ) since I feel the dispute still have not been properly answered and the reporting CRA is still inaccurate. According to Navient, they stated your student loans are GENERALLY not subject to the Fair Debt Collection Practices Act ( FDCPA ) Using the terminology generally, I need to understand does it or does it not? Repeatedly I have to ask Navient to validate ( Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) the loans payable to NAVIENT. Since my first inquiry dated XX/XX/XXXX, Required to Validate a DebtAll documents, including electronic records or images, which bear the SIGNATURE of the debtor and which concern the debt being collected ; A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law ; Navient replied. By signing the Promissory Notes, you have agreed to pay the principal and valid interest that accrues on the account in full. Navient provided me with XXXX XXXX Promissory Note, however, none of those documents have my SIGNATURE on them. As my follow up response to Navient ( Letter dated XX/XX/XXXX ) I stated that my disputes were not a request for verification but again for " VALIDATION '' which Navient again failed to provide. I specifically outlined what I have requested as validation again with documentation bearing my SIGNATURE which now Navient has failed to do so three ( 3 ) times in a time frame of sixty ( 60 ) days. As you can see for yourself the attachment Navient provided did not have my signatures on them. Under FDCPA Section 809 ( b ), Navient is not allowed to pursue collection activity until the debt is validated. I again have sent three ( 3 ) request for debt validation my first request, sent within 60 days of receipt of Navients initial contact, has gone unanswered. To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation that I have failed to receive from Navient on all accounts : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX and Agreement that bears the SIGNATURE of the alleged debtor wherein he agreed to pay the original creditor. Letter of sale or assignment from the original creditor to Navient. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) ( original complaint case XXXX ) Student loans transferred from one company to the next to the next. I am attempting to Validate loans via Navient as I have attempted to clear this matter since XX/XX/XXXX. It appears that the amount is increasing during each transfer. I am sending this request now because I am disputing the validity of the amount and am requesting validation. Attempt # 1 I sent the first letter dated XX/XX/XXXX To Whom It May Concern : This letter is regarding account # # # # # # # # # # #, which you claim I owe $ $ $ $ $ $ . This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to Navient. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company-Navient, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. In the absence of any such documentation bearing my signature, I formally request that this information is immediately deleted from the credit file filed under my Social Security number. I do not consent to any means of automated verification. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. Attempt # 2 XX/XX/XXXX as a reply based on document received without a valid signature To Whom It May Concern : This letter is in response to your recent claim regarding account # # # # # # # # #, which you claim I owe $ $ $ $ $ $ $ to NAVIENT. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay NAVIENT the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Attempt # 3 dated XX/XX/XXXX with a Cease and Desist phone call notice To Whom It May Concern : This letter is being sent to you as a Dispute to the letters I received from you dated XX/XX/XXXX and XX/XX/XXXX, in the amount of $ $ $ $ $ $ . Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. The purpose of this document is to notify you that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you/Navient. Please provide me with the following : What the money you say I owe is for. Explain and show me how you calculated what you say I owe. Provide me with copies of any papers that show I agreed to pay you/Navient what you say I owe. Please attach a copy of any signed agreement debtor has made or other verifiable proof that debtor has a contractual obligation to pay Navient. Please attach a copy of any agreement that bears the signature of the debtor, wherein he/she agreed to pay Navient. In the absence of any such documentation bearing my signature, I formally request that this information is immediately deleted from the credit file filed under my Social Security number XXXX. I do not consent to any means of automated verification. Now, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, I will not hesitate in bringing legal action against you for the following : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist calls to XXXX and XXXX in relation to the alleged account. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office. Civil and criminal claims will be pursued. If your office provides validation with proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must CEASE AND DESIST. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalid. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. Do not call my relatives or my friends. If your offices attempt telephone communication with me, including but not limited to computer generated calls, or calls to third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter through the USPS. It would be advisable that you assure that your records are in order. This is an attempt to correct your records. Any information obtained may be used for that purpose. Since I have been unsuccessful in getting any results from Navient I 've decided to seek additional assistance in this matter. | ||||||
| 04/15/2021 | Yes |
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| To Whom It May Concern, I hope this email finds you well as I would like to address a most difficult time I am having with Navient-repeatedly. Public release statements from President, Department of Education and XXXX XXXX XXXX state addressing student loans : student loan payment pause, auto forbearance, no interest and no late fees. ( see attached ) XXXX Trump suspends student loan payments through XX/XX/XXXXXXXX XXXX XXXX XXXX? XXXX XXXX Original coronavirus relief bill, known as the CARES Act and signed into law on XX/XX/XXXX, helped most federal student loan borrowers by temporarily pausing payments ... executive action will automatically continue the pause on federal student loan payment XXXX XXXX XXXXXXXX : XXXX XXXX US government automatically suspended payments and waived interest on federal student loans through XXXX. Trump later moved the expiration date to the end of the year by executive order. The suspension and interest waiver applied only to federally held loans, which covered roughly 85 % of federal student loans. That included loans known as Direct federal loans, as well as PLUS loans that parents may have taken out on behalf of their children. XXXX XXXX XXXX XXXX XXXX XXXX extends student loan payment pause for 42 million borrowers amid covid crisis ... Federal student loan borrowers dont need to resume making their monthly payments until XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX Biden extends student loan payment deferrals until XXXXXXXX XXXX XXXX XXXXXXXX XXXX Since XXXX, all federal student loan payments have been suspended as part of the federal government Covid 19 response XXXX XXXX XXXXXXXX/ Even with numerous public statements, Navient continued to charge late fees XXXX interest and blatantly disregarded my request for a forbearance. Yet, Navient took it upon themselves to capriciously auto forbearance when Texas experienced power outage?! Then arbitrarily released it when they deemed fitting. In fact, Navient in an email XXXX wrote We previously granted a national emergency forbearance on your Federal student loans due to the Coronavirus pandemic. Your forbearance has expired and your account is now past due. That is most interesting as I never inquired about a Covid forbearance during this time, I was making monthly payments. After watching the aforementioned public releases, I contact Navient. To date, Navient has demonstrated cavalier, what feels like capricious servicing in deciding when a forbearance is issued and when it is retracted. In fact, they dont recognize my written request. XXXX Asking why student loans are being charged interest and late fees after the President and Depart of Education froze student loans per numerous public release statements. ( attached ) Navient responds back alleging unable to discuss specific information via email. Were able to assist you via phone, just call XXXX ( see attached ) XXXX Navient sent an email claiming you may qualify to reduce or postpone federal student loan payments I responded will Navient be recognizing and adhering to the federal student loan payment freeze including interest? ( see attached ) As a result of Navient not freezing student loan payment, interest and late fee occurring, I emailed Department of Education and requested clarity. On XXXX The Department of Education responded via email stating All federal student loans are automatically being placed in an administrative forbearance that allows you to stop making your payments from XX/XX/XXXX through XXXX XXXX. The interest rate for Federal Direct Loans has been temporarily set to 0 % starting XX/XX/XXXX through XXXX XXXX ( see attached ) This email was forwarded to Navient. A second email from StudentAid.gov specifically states All federal student loans are automatically being placed in an administrative forbearance that allows you to stop making your payments from XX/XX/XXXX through XX/XX/XXXX. The interest rate for Federal Direct Loans has been temporarily set to 0 %, starting XX/XX/XXXX, through XX/XX/XXXX. Federal Family Education Loans ( FFEL ) and XXXX XXXX owned by the Department of Education ( ED ) are also included. Defaulted loans owned by ED will not accrue interest from XX/XX/XXXX, through XX/XX/XXXX. That includes Direct Loans and FFEL Program loans owned by ED. By XXXX Navient sent an email stating we havent received a payment from you. In response, XXXX, I sent another email to XXXX XXXX ( XXXX ) and XXXXXXXX XXXX XXXX restating the email from XXXX. Requesting forbearance and interest adjusted according to recent public releases. ( Recall from above the student loans are supposed to be on auto forbearance stated publicly by President, Dept of Education and also XXXX XXXXXXXX XXXX, all of which was provided to Navient ; yet, my loans are accruing interest and late fees. ) After no response from Navient, XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) and XXXX XXXXXXXX XXXX were again sent the email directly from Department of Education pertaining to student loan payments, interest and late fees. Requesting forbearance on the account, in alignment with the email from Department of Education. You can imagine my surprise, on XXXX to get an invoice from Navient requesting a payment for {$350.00}. That is quite a distance from the standard {$85.00} per month. On the same day, XXXX XXXX with Navient sends an email claiming you may qualify to reduce or postpone your federal student loan payments. In response, I forward to Ms. XXXX the email from Department of Education regarding student loans, interest and late fees. In the email I mention my 3rd request for a forbearance, that up to this point, is still not on the account. Navient replied on XXXX claiming were unable to discuss specific account information via email and requested I call. Come XXXX Navient arbitrarily and capricious placed my student loan on forbearance due to natural disaster in Texas. By this point of waiting hours on the phone to speak to someone with Navient, which is not realistic for anyones schedule. I sent an email to XXXX. Identified in great detail the inability for Navient to answer a few basic questions regarding the Presidents executive order, Department of Education public release statements and XXXX XXXXXXXX XXXX reports. My email included the many sources for reference, requesting interest be adjusted on my account to align with the public policy. In addition, I also supplied the advocate a historical record of where interest and late fees were being charged, which did not align with current public policy, collaborated by the email from Dept. of Education. And the most recent statement showing payment increased from {$85.00} to {$350.00} per month. Another written request for a forbearance was included in the email. Office of Customer Advocate, XXXX XXXX. Mrs. XXXX ( XXXX ) replied in an email claiming ONLY Department of Education loans are eligible for relief. She proceeds to claim my student loans are not eligible for interest waiver or automatic payment suspensions. Dept. of Education clearly states All federal student loans are automatically being placed in an administrative forbearance that allows you to stop making your payments from XX/XX/XXXX through XX/XX/XXXX. The interest rate for Federal Direct Loans has been temporarily set to 0 %, starting XX/XX/XXXX, through XX/XX/XXXX. Federal Family Education Loans ( FFEL ) and Perkins Loans owned by the Department of Education ( ED ) are also included. Defaulted loans owned by ED will not accrue interest from XX/XX/XXXX, through XX/XX/XXXX, XXXX.That includes Direct Loans and FFEL Program loans owned by ED. She continues to claim forbearance is available for borrowers who request it. I have requested in writing numerous times ; and yet, never received it. Within a day of bringing the inflated payment schedule change to Ms. XXXX attention, the following day XXXX I received an email reflecting the expected {$85.00} payment due. Up to this point, I have requested a forbearance 3x in writing and have not received it. Mrs. XXXX continues on to admit a natural disaster forbearance was applied to loans from Texas on XXXX, citing the next payment is due XXXX. Ms. XXXX prefers to send emails where they are encrypted. Due to the method in which she sends the emails, they require a computer to open them. The password protected document may not be able to be opened on any mobile device such as a phone or tablet. We suggest that you open the document with either a laptop or desktop computer. If one is not near or have available either a laptop or desktop the customer can not open the email. XXXX I responded to Mr. XXXX ( XXXX ) citing the reason I contacted the Department of Education to clarify for interpretation the Department of Education official stance on student loan repayments and who they did and did not cover. In fact, Department of Education email states all student loans. Inquired about the repeated forbearance, that has yet to be applied nor request acknowledged. Requested a forbearance. After emailing Navient the email directly from Department of Education stating all student loans, Ms. XXXX notifies me they now need to research the account. ( Recall a while back, Navient, was given the email from Department of Education a few times along with multiple URLs regarding Presidential executive orders ) To add to frustration, Navient continued to address me by the incorrect gender, after correcting them more than once. Student Loan repayments are difficult enough given the mandated lockdowns, people losing their jobs, depleting savings and trying to stay afloat. When public officials who regulate students loans from the President a nd Dept. of Education issue a written statement about student loans, is the servicer in a position to interpret what that means? So, a student loan servicer can issue a forbearance at their whim ; but disregard a customers request to get one? A payment jumps from {$85.00} to over {$350.00} in one month with little to no explanation? Yet, when it is brought to Navients attention, within days it is corrected? What if the customer had not caught it and auto paid it? Additional concerns : 1. The balance on Studentaid.gov is different than Navient is reporting. 2. StudentAid.gov shows a forbearance status ; yet Navient site does not report a forbearance status. 3. Studentaid.gov cite is not showing the late fees and interest as Navient site is assessing 4. The student loans FFELP are specifically mentioned in Department of Education email surrounding : 0 %, late fees and forbearance. These are some of the reasons, I feel like I am reading a similar story when I read the article below. It is also a reason why I know someone needs to open an inquiry into the internal operations and applying the directives of government entities. After reading this article, XXXX XXXX XXXXXXXX it feels very similar to what I am experiencing and what I am hearing. | ||||||
| 08/12/2019 | Yes |
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| My story is like most stories held by others who are anxiously awaiting Public Service Loan Forgiveness. I was the first in my family to attend college and I went on to pay my own way through undergraduate and graduate school at two of the top universities in Ohio. As a kid growing up in the city of XXXX, I always knew I wanted to help people and make a difference ; but I didnt know exactly what career path that would lead me to. I graduated from the University of XXXX in XX/XX/XXXXwith a XXXX in XXXX and I was one of the first students to receive a XXXX in XXXX XXXX XXXX XXXX. I knew I had to pursue graduate school if I wanted to be employed and afford to live on my own. I immediately entered XXXX XXXX XXXX Universitys XXXX XXXX school and worked diligently for two years to receive a XXXX XXXX and XXXX XXXX XXXX XXXX. Knowing I was graduating during the Great Recession, I acted quickly to find ways to manage my looming amount of student loan debt. I was entering the XXXX XXXX field where my first job was starting at {$26000.00} with long hours and unsafe conditions. Unlike many of my fellow classmates, I didnt have financial assistance available from my parents or other means to pay for my education. I was fortunate to have an aunt who allowed me to live with her for many years in order for me to be able to afford my monthly student loan payments and also continue to provide financial support to my aging parents. I found the PSLF program my last year of graduate school and immediately had my eligible loans consolidated, entered an Income Based Repayment Plan and made every monthly payment. I spoke with the loan companies and the Department of Education regularly to ensure I was correctly enrolled and waited as patiently as I could for details to arise about how the PSLF would work. Once more information became available regarding the PSLF, I completed paperwork and submitted it to ensure that I was maintaining my eligibility for this program. Over the last ten years, I have worked at five different places of employment, all of which have met the qualifications for PSLF. I have submitted all necessary paperwork, often multiple times due to the mishandling of documents by the loan servicer. I made numerous calls to clarify and correct information and to verify I was still eligible and on the path for PSLF. I have never deferred, defaulted or missed a single loan payment. Not all public service jobs are alike. In the XXXX XXXX field, the employment opportunities are often long hours, low pay, and high stress which leads to compassion fatigue, XXXX XXXX and burnout. Ive read many articles related to the hardships people are facing due to misleading information about PSLF. Stories from doctors, lawyers, teachers and others. I want someone to be sure to tell the story of XXXX XXXX. In these last ten years, I worked in residential treatment facilities, major healthcare systems, public education, and government offices. I have worked with children who experience severe sexual and physical trauma, foster care families, individuals fighting cancer and our aging population. I have developed trauma therapy curricula for children with autism, wrote policies to prevent interpersonal violence in schools, and led innovative programs to address the opioid crisis in our communities. I did this work because I have an unwavering belief my purpose is to serve. I did this work because I have seen how our systems continue to fail and harm our neighbors, schools and communities. I didnt go into this field to make money or even with the knowledge that PSLF was an option. I did it to pursue my purpose to serve and try to use my gifts to influence change. And honestly, that mission has come at a cost due to the amount of sacrifices I have made to maintain my eligibility for this PSLF. Sacrifices that look like forgoing better paying job opportunities, not building a substantial savings account to buy a home, and staying in jobs where I have been physically assaulted. Ten years ago, I graduated with my XXXX degree and started this PSLF journey. That passion fueled, service driven woman who was ready to work hard and change systems is worn down by a series of failed promises. The year I have been waiting for has come and I unfortunately do not know what lies ahead. I have completed all the necessary steps for the PSLF and have been informed over the last several months by the Department of Education that they are now manually counting my payments to determine my eligibility. They state this could take up to a year to complete. I have called relentlessly over these last ten years, took names and employee ID numbers, received different confirmations and various stories related to the fate of my student loans. I have watched them lose my paperwork several times thus delaying processing. Because of the high interest rates, my total loan amount is reaching well over {$100000.00}. But I dont have any answers. The Department of Education has informed me this week that they do not either. They are unable to give me any information related to my PSLF status and if I will even have my loans forgiven. I am so close and yet also so far away from knowing what direction I am going in. I have put off opportunities not only to make more money to support myself but more importantly, to effect change on a bigger level than any nonprofit I have ever worked for. I cant move to fulfill my dreams of living near my family or starting a family of my own in fear of jeopardizing my PSLF eligibility. My story is like many others who have been working in the XXXX XXXX field and tirelessly pursuing PSLF. Our field cant survive without this kind of loan relief. In a time where we need more XXXX XXXX we are at great risk of losing an entire industry of helpers. When I speak to students, interns and new hires looking to be in XXXX XXXX or the nonprofit sector, I have to have an honest conversation with them about the risks that come with choosing this career path. Not only do we face the risk of violence, burn out and high stress levels, we also now carry the burden of not knowing if we can financially care for ourselves and our families because of the choice to be of service. For something that should feel like a gift, it is starting to feel more like a punishment. I hold a lot of privilege as a XXXX woman who has received a graduate level degree and maintains a successful career. I do not take the opportunity for PSLF for granted and have gone above and beyond to meet the qualifications for this program. If sharing my student loan debt experience can help catalyze change to support others in this field than I want to be sure I use my voice as an instrument of change. I appreciate you taking the time to listen to my story and I would be grateful for the opportunity to discuss this further. Timeline Please note : calls were made regularly to verify eligibility for PSLF, paperwork was submitted regularly and on time to prove income for IBR, payments were made monthly with no lapse of time or delay. I have documentation and proof of payment since XX/XX/XXXX. XX/XX/XXXX- graduated from the University of XXXX XX/XX/XXXX-graduated from XXXX XXXX XXXX University XX/XX/XXXX- applied for loan consolidation with XXXX XXXX XX/XX/XXXX-application accepted and loans consolidated through XXXX XXXX with Income Based Repayment ( IBR ) XX/XX/XXXX- received a letter stating XXXX XXXX sent me an Income Contingent Repayment ( ICR ) letter in error when I have and continue to be on the Income Based Repayment ( IBR ) plan. XX/XX/XXXX-XXXX XXXX informed me that they were transferring my account to XXXX XX/XX/XXXX-received notice from XXXX they were putting my loans in forbearance, rectified via the phone that this was an error due to glitches with loan transfer from XXXX XXXX. XX/XX/XXXX- Employee Certification submitted to XXXX XX/XX/XXXX-notification from XXXX that my loans are to be transferred to XXXX XX/XX/XXXX-employee certification submitted to XXXX XXXX XX/XX/XXXX-Employee certification re-submitted to XXXX XXXX XX/XX/XXXX-received notice from XXXX XXXX that only employment from XX/XX/XXXX-XX/XX/XXXX is recognized as certified employment for PSLF. Spoke with representative on the phone that this is an error and still reviewing. XX/XX/XXXX-received letter from XXXX XXXX stating that I have only made 50 qualifying payments total and that I have 70 more remaining putting me at a PSLF eligibility date of XX/XX/XXXX. XX/XX/XXXX-spoke with XXXX XXXX regarding letter and was informed this was a blanket letter that went out to all borrowers and that my Employee Certification was approved ( please note I did not receive any kind of electronic or written notification ) and that the final step is to manually county my remaining payments. She stated this could take 1 month to 1 year. XX/XX/XXXX-Contacted XXXX XXXX to follow up on status of manual recount of repayments. Was informed that my loans are still being recounted and that I should not contact as XXXX XXXX will notify me when the review is complete. XX/XX/XXXX- received another update from XXXX XXXX stating they reviewed my application and once again same results, 50 payments made, 70 remain. I contacted them because this was a more detailed letter that stated this year alone I only made six payments when I had the payment record right in front of me on their website. I was informed that if I had payment documentation to upload it to the website because they are very overwhelmed and could use the help. XX/XX/XXXX- all ten years of loan payment documentation as well as IRS statements were uploaded to my XXXX XXXX file. I contact XXXX XXXX on XX/XX/XXXX to ensure they received it and they verified they did and they would mark it as escalated. XX/XX/XXXX- received an electronic letter stating During a review of your loans, we removed an Administrative Forbearance that was previously applied to your loans because we received updated information that changed your eligibility. See below for updated details on your impacted loans. XX/XX/XXXX- received an email update informing me that my payment count review has been updated and that I am scheduled for PSLF XX/XX/XXXX XX/XX/XXXX- contacted XXXX XXXX who informed me that my initial payments in XX/XX/XXXX/XX/XX/XXXXwere not under the correct plan so they dont count. She also informed me that payments from XX/XX/XXXX until now have not been counted because I need to resubmit Employee Verification forms. **None of this information has been provided to me in the past and I have had regular if not weekly phone calls with DOE . XX/XX/XXXX- error found on employee dates and DOE corrected it and increased the qualified payments to 98 and a PSLF for XX/XX/XXXX. 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| 03/22/2021 | Yes |
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| Complaints against Salle Mae and Navient SallieMae and NAVIENT XXXX XXXX XXXX PA XXXX XXXX Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Attention : CFPB Hello CFPB, The purpose of this letter is to reemphasize those issues XXXX Salle Mae could have prevented it this scammed, fraud, coerced approach and allowed them with this issue in any way that they can. I just dont understand why did they have allowed it instead of preventing it? I want to mention that forbearance is bad because interest continues to accrue and will be capitalized, digging me into a deeper hole. I hope you truthfully find the following letter helpful that there's a reason for this, there's a reason XXXX education XXXX, and it's the same reason I brought this issue to your attention as it was never ever, ever was fixed. It's never going to get any better unless we all tackle the root of the problem together and Im delighted youre doing it as we speak. In Addition, it makes me feel helpless when I look at the student loan balance of more than {$160000.00} from {$25000.00} XXXX XXXX. XXXX, Salle Mae forced, intimidated, threaten me and make me defaulted many times. XXXX XXXX XXXX XXXX XXXX XXXX have come under scrutiny for their high costs and poor outcomes many times. My position with this issue has not altered. It could have been prevented by XXXX, Salle-Mae and now Navient. It looks like to me for many years XXXX, Salle Mae and now Navient don't care or just ignoring, neglecting and undermine this issue instead of preventing it. They ( Citi-bank, Salle-Mae and now Navient ) know that XXXX XXXX XXXX XXXX XXXX target a person like me by offering an empty promise and higher education as part of the American middle class dream. XXXX, Salle Mae could have prevented it this scammed, fraud, coerced approach and allowed them with this issue in any way that they can. Instead was postponed the loan payments, causing the balance to quarto tripled grow even more, would be happy to help resolve and could have prevented it, but it has ballooned to more than {$150000.00} thousands of dollars. Why did they have allowed it instead of preventing it? I've witnessed the whole debt structure is rigged to make sure never going to get out of it. Also, I've enclosed other attached document for your review. Since XXXX XXXX XXXX XXXX has bad reputation, credibility, FRAUD, SCAM regarding loans totals or Interest rates, they should payback to citi-bank, Salle-Mae and now Navient directly. Navient In conclusion I believe XXXX XXXX XXXX XXXX XXXX and financial aid center are directly responsible in conjunction with XXXX, Salle Mae and now Navient the servicer {$150000.00} ( XXXX XXXX XXXX thousands ) for the misrepresentation, misinformation, misleading knowingly and damage they inflicted on me mentally and physically and for that matter I should be forgiven. Because of negligence, misrepresentation, misinformation and bad treatment. XXXX XXXX XXXX XXXX could have prevented it so do XXXX, Salle Mae and now Navient. XXXX was seen as one of the worst for-profit school chains before it went out of business many years ago. XXXX, Salle Mae and now Navient could have been prevented it and solve this issue long time ago. Theyve been aware of all this issues for years. I think their position on this issue should change without being bias and unconditionally. I am truly and objectively responding to the curriculums were developed largely by a private individuals and small company that makes materials for workshop companies and motivational speakers for that invalid debt. The school was run largely by greedy selfish people ( middle management who were making XXXX plus a year ) with motivational speaking, sick people with backgrounds who were compensated based on how many people they persuaded to buy additional workshop, classes in XXXX XXXX XXXX XXXX and Financial aid center. Also, when I was there by their coerced approach to visit XXXX XXXX XXXX XXXX and Financial aid Center, they were driving XXXX, XXXX, XXXX and etc. etc. cars but saw me at that time eating two meals most of the time miss meal a day. They should be accountable for this invalid debt. XXXX XXXX XXXX XXXX and Financial aid center were telling lies. XXXX XXXX XXXX XXXX were taking advantage of XXXX, Sallie mae and Navient Bank who made these student loans were irresponsible for this invalid debt to begin with it is also their fault that they were making loans to me believing I will obtain employment in a given career to pay for this invalid debt and notes ( fake paperwork ). I was lied and misrepresented by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX was a major for-profit school until its collapse many years ago. XXXX XXXX XXXX XXXX ( XXXX ) financial aid office faked my signature until I realized it later. I was shocked and learnt for the first time when I realized what XXXX XXXX XXXX XXXX faked my signature to obtain money from XXXX XXXX, Sallie Mai and Navient now the servicer. I was an innocent person and victimized by XXXX XXXX XXXX XXXX XXXX. Secondly, I would like you to realize and understand that XXXX XXXX XXXX XXXX was seen as one of the worst for-profit school chains before it went out of business many years ago. XXXX XXXX, Sallie Mae, Navients parent company doesn't know and understood what's going on behind the scene what XXXX XXXX XXXX XXXX in XXXX had done. XXXX XXXX XXXX XXXX and Financial aid center were putting out bad debt where those lenders took bad risks, where they are also to blame. I believe that they have to be accountable for this reason I'm not please by their misrepresentation and coerced approach. In conclusion I believe XXXX XXXX XXXX XXXX and Financial aid center are directly responsible to pay-back Navient the servicer {$150.00} ( XXXX XXXX XXXX XXXX ) for the misrepresentation and damage they inflicted on me and I should be forgiven. Because of negligence, misrepresentation and fake treatment, XXXX XXXX XXXX XXXX was seen as one of the worst for-profit school chains before it went out of business many years ago. Im asking kindly to consider a resolution on this matter soon. I never thought Id be in this situation at my age. Here in I hoping to raise my family in a better future with opportunities and fulfilling dreams. But all I have gotten is misrepresented, cheated by XXXX XXXX XXXX XXXX coerced approach. Very truly, XXXX, XXXX Please see some facts about XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX was suspended from XXXX 'XXXX student loan program after a large number of its students misreported their income. XXXX was reinstated after paying fines of C {$1.00} XXXX and putting up a bond of C {$2.00} million. In XX/XX/XXXX, XXXX XXXX, XXXX XXXX and another graduate of one of XXXX XXXX XXXX Chicago-area campuses filed a class-action lawsuit accusing XXXX of widespread deception, unlawful business practices and false advertising and alleging that students were not being prepared for high-tech jobs. The lawsuit contributed to a 20 % slide in the company 's stock. The class was not certified and the case was resolved for less than {$25000.00} in XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX a graduate of one of XXXX XXXX XXXX XXXX XXXX-area campuses, filed a class-action complaint against XXXX XXXX and XXXX XXXX XXXX Inc. on behalf of students in the post-baccalaureate degree program in XXXX XXXX. The suit alleged that the nature of the program was misrepresented by the advertising. The lawsuit was dismissed and refiled. During the first quarter of XXXX, a new complaint was filed in the same court by XXXX XXXX with the same general allegations. This action was stayed pending the outcome of the XXXX lawsuit. The lawsuits were being settled in late XXXX XX/XX/XXXX, the State of New York settled with three schools that were participating in questionable student-loan practices. XXXX, XXXX XXXX XXXX, and XXXX XXXX in XXXX XXXX were involved with the settlement. XXXX agreed to refund {$88000.00} to students. In XXXX, XXXX was accused of filing false claims and statements about recruitment pay and performance to the government. In XX/XX/XXXX, a lawsuit was filed by a former manager at XXXX which alleged that the college bribed students for positive performance reviews and worked around federal regulations on for-profit colleges. In XX/XX/XXXX, the attorney generals of Illinois and Massachusetts issued subpoenas to XXXX to investigate for violations of federal law and filing false information about loans, grants, and guarantees. In XX/XX/XXXX, XXXX stated that the New York state attorney general 's office was investigating if the company 's marketing violated laws against false advertising. Senator XXXX XXXX 's report on the for-profit college industry revealed that XXXX 's tuition for an associate degree is 10 times higher than at community colleges ; it has a dropout rate of 50 percent ( 60 percent for online students ) within a median of 3 1/2 months ; spending per student of less than {$3000.00} per year on education, about a quarter of what is spent by the XXXX of Illinois ; a CEO salary of {$6.00} XXXX, 46 times more than the president of the XXXX XXXX XXXX ; and evidence of deceptive recruiting of students. Two state attorneys general, Illinois and Massachusetts, are investigating XXXX. Misleading borrowers The Consumer Financial Protection Bureau says that Navient illegally fail [ ed ] borrowers at every stage of repayment. The lawsuit, brought on by the CFPB, alleges that Navient hurt borrowers by providing bad and sometimes false information, not processing payments correctly and not taking appropriate steps to rectify situations when borrowers brought up these complaints. In fact, the lawsuit alleges that Navient purposely made many borrowers pay more on their loans than they needed to, and the CFPB is suing for borrowers to get financial relief from Navients mishandling. The suit alleges that Navient steered borrowers into forbearance over other options, like income-driven repayment plans. Forbearance temporarily pauses student loan payments without hurting your repayment standing, but interest still builds while youre not making payments. That means borrowers ended up paying more in interest because they went through with forbearance rather than saving money and choosing an IDR plan. New Jersey AG files suit accusing student loan giant Navient of 'unconscionable ' practices https : XXXX XXXX blasts XXXX sweeping denials of student loan relief claims as disturbingly XXXX XXXX XXXX XXXX Will XXXX XXXX Cancel Student Loans XXXX XXXX? XXXX XXXX XXXX Internal memo highlights Navient 's alleged hidden agenda with student loan borrowers https : XXXX? soc_src=community & soc_trk=ma | ||||||
| 08/14/2018 | Yes |
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| Attention Navient : My name is XXXX XXXX and my Navient account is # XXXX. I graduated from The XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I have been involved in federal student loan repayment off and on since XXXX through XXXX XXXX XXXX XXXX, Sallie Mae, and now, through Navient. Throughout the course of my repayment, I had periods where I was unemployed and experienced severe financial, physical, and family hardships. In every instance, I have taken responsibility for my loans and applied for forbearance and deferment when required. It is unfortunate that these options, which add extreme interest to an already high interest rate to my existing loans, are the only options available to borrowers who experience hard times. When I graduated in XX/XX/XXXX, my final federal loan amount through XXXX XXXX XXXX XXXX was exactly {$26000.00}. I have proof of payments I made between XXXX and now ( checks and bank statement e-bills through XXXX XXXX XXXX XXXX, Sallie Mae and Navient ) that total {$28000.00}. This amount does not include possible payments I made by credit card or XXXX for penalties or fees to get me back into good standing, nor does it account for lost or shredded checks or bank statements. As of now, I owe Navient {$29000.00} due to the interest accrued through deferment, forbearance in addition to penalties, and fees during periods of hardship. I have always strived to make good on my responsibility and not go into default of my federal student loans. The {$28000.00} I have paid more than illustrates that point in good faith. I always have tried working with all student loan financial aid institutions and I wonder if institutions, like Navient and Sallie Mae, are more lenient towards borrowers who actually defaulted on their loans. After all, we now live in an era where bad behavior is paramount and rewarded while good behavior is penalized. Id really like to know how Navient handles accounts of borrowers who have defaulted versus people like me who take responsibility. I am by no means wealthy. In fact, I have been almost at poverty-level between the years XXXX where I had virtually no income and I had to rely on Medicaid from XXXX and food stamps from XXXX in order to survive. Although, I now have been employed full-time since XX/XX/XXXX, my job pays very little. I live at home with my mother. My Sallie Mae and Navient records reflect these facts. I have paid back a large sum of money that is estimated in the amount of {$28000.00} ( shown in my records ), only to discover I am starting all over, once again, in XXXX with Navients consolidation Income-Driven Repayment Program. I am unable to attach proofs of payments because the documentation exceeds 110 pages. I will be more than glad to make copies and submit them if needed. I have been enrolled in IDR since XX/XX/XXXX. Prior to XXXX, I was enrolled in Navients Hardship Deferment Program. I exhausted the standard forbearance and deferment options and the Hardship Deferment Program option was the only one available to me. A Navient representative stated that if I didnt apply or qualify for this deferment my federal loans would go into default. In all honesty, the only thing the Hardship Deferment Program did was to keep my Navient account in good standing. It did nothing to benefit me since the interest was no different than any other Navient postponement program. The requirements for Hardship Deferment Program were proof of food stamps and proof of Medicaid. Please note that Navient is the third student loan financial aid institution that has taken over my loans since I began repayment in XXXX. Each time, the interest rates increased through each consecutive financial aid institution, thus adding more burdens to my initial loan debt amount. I also dont know why my federal loans are allowed to be transferred from one student loan financial aid institution to another. Each student loan financial aid institutions seems to change the loan terms and conditions from the previous student loan financial aid institutions loan terms and conditions to where it benefits them. If I am bound to my original loan amount promised in the original through XXXX XXXX XXXX XXXX contract ( which I still have ), then why are Sallie Mae or Navient not obligated to honor the original contract ( s ) terms and conditions? Here is a brief repayment status of my federal loans as of XXXX. While working as an XXXX XXXX for XXXX XXXX, my Sallie Mae records showed I paid the federal loans down to approximately {$19000.00} by XX/XX/XXXX. Then, due to company downsizing, I was let go from XXXX XXXX on XX/XX/XXXX. My intention was to use my savings in order to continue to make payments while I searched for employment. Unfortunately, a few weeks later during the first week in XX/XX/XXXX, I had a XXXX XXXX XXXX which adversely affected me physically for over two years. I still have issues today. Throughout XXXX my savings went towards Cobra benefits, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and car payments. My bank account was almost depleted by the end of XXXX. Back then I was not a candidate for Medicaid. This injury also hindered me from gaining employment for almost two years because I was considered a risk due to my injury and XXXX. After that, the gap in my employment became a red flag to hiring agencies and employers. Then, between the years XXXX I had to settle for temporary full-time heavily physical employment positions for short 3-month stints with promises of integration. The reality was when company benefits were to go in play, I was let go. I must emphasize that this all occurred during the recession. Here is a brief history of the hardships I experienced after losing my job in XX/XX/XXXX and incurring XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I was in a minor collision at a speed less than 25 MPH on my way home from XXXX XXXX for my XXXX XXXX. The man I collided with was not injured, but he tried to sue me for {$300000.00}. XXXX would only cover up to {$100000.00} for the suit. I was unemployed without job prospects and I was fearful I would be paying out of pocket the rest of my life for a mere fender bender once I became employed. Eventually, a settlement was made through XXXX in the amount of {$32000.00}, but the case took three to four years to settle. In XX/XX/XXXX I was XXXX at my gym. Video evidence and witnesses confirmed it was a XXXX XXXX on me. My XXXX was XXXX in XXXX places. It took almost 2 years to recover from then physical damage. My attacker was not made responsible to pay for my medical bills that exceeded {$21000.00} because the Judge said he could not afford to pay. Within the month I was attacked, medical creditors and collection agencies were demanding medical payments that I could not afford to pay. I was fortunate enough to have the Maryland Injuries Compensation Board take care of those medical burdens, but it took 4 years to clear. Also, please note that the Maryland Injuries Compensation board only takes on cases for victims of violent crimes. Then on my road to recovery, my father grew ill and between XXXX and early XXXX. I had to help assist my ( then XXXXyear old ) mother as a XXXX to my father. I was unable to work during that period, at all. As you can see it has not been easy for me. I was in a position where I didnt have a job and in addition to an increasing student loan debt, I thought I was going to be paying an additional {$200000.00} - {$300000.00} ( collision ) for an honest mistake. On top of that, the {$21000.00} for medical bills associated with an assault on me. I was stressed for years. In addition to all of this, my father passed away in XXXX of XXXX. I dont wish this on anyone. Ultimately, these are factors and facts that student loan financial institutions like Sallie Mae and Navient do not take into consideration. I can provide documents and letters of confirmation to everything I listed above. Regardless of my circumstances, I never shirked my responsibility from repayment. I think its a travesty that student loan financial aid institutions seem to take advantage of people like me, who are not only struggling with the federal student loans, but who have experienced unfortunate life events that adversely set them back. Adding fees, penalties and interest does not help the burden for people in my situation. Deferment and Forbearance are well and good for postponement, but the interest that accrued is absurd. Income-Driven repayment is all well and good too, but it really does nothing to decrease the overall loan amount. During my struggles, Sallie Mae and Navient representatives suggested I make interest payments throughout the course of these postponements. Unfortunately, no income means no income! If I was not able to make the loan payment due to a depleted bank account and I had no income, there was no way to pay monthly interest payments regardless of how low Sallie Mae and Navient determined the interest payments would be. As I stated, I am currently enrolled in Income Driven Repayment through Navient. I started this repayment plan in XXXX after gaining full-time employment. This year I applied for renewal early in XXXX, XXXX to avoid application problems. In reality, I had to apply for Income-Driven Repayment multiple times during the course of three months! I have included correspondence in the attached PDF documents that accompany this complaint letter. Ultimately, I was told by woman Navient representative on XX/XX/XXXX that the first application and XXXX in XXXX, XXXX ( I originally submitted ) was correct. Again, depending with whom I spoke I was given a different answer. The woman told me my application would be approved and I would receive an email letter within 14 days. She said my payment amount would be approximately {$87.00} per month. Then I received an email stating my IDR was approved and I would be paying {$120.00} per month. The day after, I received another email stating my payment is {$170.00} per month. This is all way too confusing and convoluted. I have included the pertinent correspondence with Navient in a multi-paged PDF attachment regarding my recent Income Driven Repayment application problems since XX/XX/XXXX. Why it took over 3 months to approve a simple application is beyond me. I also question the allocation of my payments and whether or not the allocation benefits me. | ||||||
| 09/28/2017 | Yes |
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| Dear Sirs or Madams, Written around XX/XX/XXXX I am currently nearly unemployed, I work 1-2 weekends per month so I thought would have the time & I should explain my concerns carefully and thoroughly. I have spent 40 +hours looking at, printing, filing bank statements emails and letters and I still can not make sense of any of this. I have tried handwritten timelines, flowchart software, handwritten notes, post-its ... I thought maybe I will see a pattern ; figure it all out and learn that it was actually that has made the errors. I give up, I cant do it. I would have to neglect all my other responsibilities for many more weeks and would probably still be no closer to figuring out this system. I dont think the loan management company wants to people to pay their loans back. It seems to me they make more money tripping up consumers, adding on fees and penalties and collecting the interest first. Because the US Government guarantees the loans, the servicers have no risk. An enterprising business plan would not include helping consumers get out of debt, however that is what an ethical business plan look like. My thoughts are not conspiracy theory paranoia ; its based on current events! Written XX/XX/XXXX. My goal has been to wrap this up, send it and move on with more productive undertakings. I am just so upset about being taken advantage of and worry that if dont point out every detail I will have less of a chance of being heard. I can be a perfectionist and dont like my writing to have typos or unclear language ; however I have spent another 40 hours on this and need to move on. I dont think that any one employee is to blame and I dont want to add to the stress of the front line workers like myself. Based on my experience with a mega corporation I believe that it is the intent of the corporate model to maintain a complex system in which mistakes unavoidable and in which they benefit from financially. The customer service representatives are given protocol to follow and are not to question inconsistencies, instructions that may not make sense or what sound like double talk. They are to accept that directives passed down from the executives are both legal and ethical and if they dont like it they can leave. The customers or borrowers in this case are trapped. There is no disputing that the debt is owed and any complaint looks like an attempt to run away from responsibility. Also customers dont complain because they are intimidated by the complexity of the system which if not intentional, simplification is certainly not actively sought out. The customer does not have time or energy to learn and keep up with the procedures and therefore is not confident in knowledge that the mistake lies with the company. We are conditioned to accept that standing up for oneself is a time consuming and ultimately futile act in which drains already limited time and energy. We are stopped in our tracks by fine print in agreement that we had no choice but to sign. Sign this or dont go to school to better your life is not a choice. There is no shopping around for the best contract for those of us with few financial resources. I hear the phrase burden of proof often and it is a critical part of my complaint. Navient has possession of recorded customer service calls. If I requested Navient to review a specific phone call in order to determine who was in the right, I would have no way of knowing if the information they presented was fact or fiction. The fact that they do not do business by email or paper statements allows them to retain all of the power. Any argument would be my word against their protocol, management, past experience, taped phone calls and lawyer fine print. Consumers are divided and encouraged to vilify an individual who attempts to get justice through the court system. We look down at and judge the dollar amount of the law suit knowing none of the details of the harm done or the costs associated with the harm. Yet big business, politicians, special interest groups etcsue or threaten to sue on a regular basis to further their agenda aka financial interests. If referenced documents are needed to support my claims feel free to contact me. COMPLAINTS ABOUT NAVIENTXXXX XXXX These companies need to be held accountable for the accuracy of communication within their departments and with customers. Letters or emails that ask for payment or threaten collection while I am making payments as agreed are harassment. 1. Receive emails that have no clear indication as to the department or the loan group on letterhead or email sender address. 2. Letter head vague, not sure but I think that letters Navient without any other logos must be referring to the federal or FFLEP group of loans. However XX/XX/XXXX I received an email with letterhead simply NAVIENT which informed me of private loan info 3. XX/XX/XXXX letter with NAVIENT and Dept of Ed loan Servicing signed sincerely Navient & XX/XX/XXXX letter with NAVIENT and Dept of Ed loan Servicing signed sincerely Navient- Department of Education loan servicing 4. Emails, billing statements and general letters had no consistent format or style. One has to hunt around within the document to find pertinent information. 5. Confusing, lack of continuity to indicate account # s : act # s which are not consistent, loan # s, Loan group # s, sometimes referred to by my SS # and loan origination date. 6. There is a lack of coherent system to inform recipient of loan included in transaction 7. Bank statements payee name provided is not consistent and makes me unsure if money is going to correct department 8. Changed or added repayment plans with titles & acronyms not matching up to programs applied for, IBR, IDR, ICR XX/XX/XXXX Dept of Ed letter refers to and FFELP I decided that the references to 9. The number of websites that I have been told to access is overwhelming. Given no information about the relationship the websites have to loan, just adds more confusion a. Logging on to a website the loans and amounts slap you in the face- depressing, regret going to school b. studentloans.gov-I found that I had signed up 3 times with different passwords c. directloans? FSA I have a password and pin d. navient.com e. XXXX f. XXXX XXXX website XXXX to XXXX XXXX XXXX my password is XXXX h. Oops you have gone to wrong website 10. Offered .5 % discount to give Navient control over my banking. I discovered via a shockingly low bank balance that a random withdrawal of over {$700.00} was made without my permission. My bank statement indicated XXXX XXXX Debit which initiated taking this money in addition to the regular payments. I called to complain and was told that it could not be refunded. It is a miracle that my account was not overdrawn because that is how tight my money is XX/XX/XXXX, I discovered that 11 months of payments were not applied to my account and sitting who knows where. Was Navient investing this and earning money on it, charging me interest for nonpayment? 11. Emails that say You have a new education loan document available are confusing. Could they be talking about Department of Ed loan, or simply a loan to pay for my education It doesnt specify. 12. Who is student assistance? Nothing explains how they are related and how they got my info. Did not know how direct loans and US dept of Ed were connected got mail form both 13. Forbearance was first and only suggestion most of the time. When a person has financial hardship and cant make the payment they are at the mercy of the corporation and have to accept what terms are offered. 14. Used forbearance month for 1 group and paid for other group ( Federal vs US Dept of Ed ) because I was told that they were separate. Did I use up forbearance months when I technically did not get a break for both? Was interest calculated on both? XX/XX/XXXX & XX/XX/XXXX for example 15. When things did not make sense I would call, it would be explained and I would feel okay with that. Days or weeks later I would follow up on something or receive another communication that was unclear or appeared to contradict previous communications. Over time I gave up trying to make sense of things and I started to ignore things because it was too stressful and was, to me, an unsolvable riddle. 16. I was given conflicting information when calling customer service. I was told that forbearance could not be back dated yet it often was backdated. Also, I was told that all loans could be addressed by calling XXXX and told that I needed to call Dept of Ed to address those loans. However I used the XXXX number almost exclusively and received applicable letter and email communications from both Navient & Navient Dept of Ed. I was given XXXX phone number to call the Department of Education however I dont know if the number connects me to the actual Department of Education or the Navient Dept of Ed loan servicing? If Navient services Dept of Ed loans why would I have been sent to the actual Dept of Ed? If I was referring to a different department within Navient why couldnt they manage all loans? 17. The amount of mail and emails overwhelming with a sinking feeling every time I received something. Communication via USPS which is safer for me with provable documentation is not encouragedDont know if letter received 18. Vague letter stating that my payments have changed because of one or more of the following : and then lists eight possibilities. Doesnt the consumer deserve more information? Why does the consumer have to do the work to figure out why they changed something? I should not be expected to figure it out, they get paid to keep track of that info. 19. Deferment & forbearance plans overlap and still got late notices. I was told that I could address all loans at the one SallieMae number and told that I could not. I was told that one application for deferment and forbearance applies to both loan Federal and Dept of Ed and I was told that I needed to apply separately. During forbearance months I paid on some loan groups but now wonder if my account was charged accumulating interest on the entire loan. Many times I was not clearly or accurately informed of forbearance dates. 20. My applications or renewal for IBR were not processed in a timely manner and I was forced to use forbearance months. IBRs not all 12 months as stated on letter XX/XX/XXXX | ||||||
| 03/08/2021 | Yes |
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| I'M SENDING A COMPLAINT AGAINST 1.FALSE STATEMENTS BY NAVIENT RELEASED TO CFPB IN RESPONSE TO COMPLAINT XXXX of XX/XX/XXXX XXXX NAVIENTS UNFAIR AND DECEPTIVE PRACTICE IN DEALING WITH BORROWER XXXX. This complaint is against Navient 's false statements to CFPB received in response to complaint XXXX submitted on XX/XX/XXXX : with these false statements they were able to close the case. Please refer to Complaint XXXX and its reply by Navient for explanations. 1.My last communication with Navient was through Certified post mail XXXX in XX/XX/XXXX in which I sent all the documentation regarding all the communication had in XXXX : letters, e-mails, all Income sensitive Repayment forms filled out with attached documents and explanations of income and tax return with paystub copies, invoices previously sent to them from XX/XX/XXXX till XX/XX/XXXX. XXXX was my last contact with them through their online system. I could not receive any answers through their platform so no contact was done in XXXX as they say. I have attached a document with all the temporal communications with Navient : Year XXXX has been added to show continuity of behavior in a repeated, systematic, unfair and deceptive practice engaged by Navient in relation to IRS Plan Form filing. In XXXX forms were sent in 6 times. Finally accepted in XXXX of XXXX. The documentation send in XXXX that was refused the first time, was exactly the same as XXXX ( XXXX statements ). 2. Proof of income was sent for XXXX with the same specifications of XXXX ( there was absolutely no difference in documents sent in ). Last 3 Monthly statements by XXXX images were sent with my first application form for RENEWAL. But to be fair so that all income could be accountable, I decided to send in also all the invoices and statements because XXXX payments ( 3 last stubs requested ) were very low in their amount ( due to summer months ). I received a denial by them based on wrong documents with no further explanation, I then sent in exactly what I had sent in the previous year so I would not make mistakes : last 3 XXXX images statements only ( so they wouldnt get confused ) ( see attached pdf ) and attached 1040 that show evident need for ISR Plan renewal. Navient states on their reply to CFPB that invoices are not a valid proof of income : 1.Income sensitive Repayment Plan Form has a section were it states : Gross monthly income is the total amount of income before taxes and any other deductions are removed. 2. Forms indicates to circle ALL SOURCES that apply. I indicated Self-Employment earnings. Self employment earnings are most of the times supported by invoices to our Clients and not by pay-stubs. I earn Royalties for my images from which I receive monthly statements but for the rest, for self-employment as a freelance photographer its entirely supported only by invoices to Clients. 3.I was also sent in a worksheet with ISR Plan Form to calculate Monthly gross income which lists various earnings included : Salary/Self-employment earnings, Sales commissions, Allowances, Tips etc. It includes all kind of possible income. 4. On point 2 of the FORM it states : include copies of your most recent pay statements ( or other documentation of your monthly employment income ) For a freelance photographer these documents are mainly invoices. I explained on all my forms that my income was not regular every month so I summed it all up and sent proof of documentation in addition to the last 3 paystubs by XXXX. Navient states in their reply that they could not contact me : My contact information has always been active and valid. My e-mail still is the same e-mail as XXXX. I have received every single automatic reply by Navient for my forms and documents and letters sent in. When I had to turn for help to the Student Aid commission I was advised to change my e-mail address to a certified e-mail so mails could be used legally. But I still had my g-mail active that was used by Navient in all the communications ( I just dont have access to internet all the times ). My parents address in XXXX was also available. It was indicated on the certified postal mail sent to Navient in XXXX. The miscommunication started way before the online update of e-mail address which happened on XX/XX/XXXX. Deceptive actions and neglecting my forms and letters went on from beginning of XX/XX/XXXX till the total end of communications ( to be precise they started from XXXX ). Navient actions have improperly caused myself to incur interests, collection costs, fees, that are the result of a practice engaged by Navient that is unfair and deceptive and in violation of Sections 1031 and 1036 of the CFPA. This deceptive and unfair drill includes continuously, repeatedly, constantly and purposely neglecting and not acknowledging the forms for ISR Plan sent in one after the other, my letters asking for answers, my letters explaining the situation, my 1040s with pay-stubs and invoices, etc, etc. Now they are persistent in violating Section 1031 and 1036 of the CFPA by releasing a false and deceptive statement to respond to complaint # XXXX in their defense and successfully obtaining a closure of the case solely based on their deceiving statements. I understand we are small individuals compared to these unbeatable entities and with no possibility of a lawyer to defend ourselves. I also know it is my word against theirs but it is unfair not to ask for proofs and read the documentation and communications that were sent when the problem arised. Just looking at the 1040 and the gross amount indicated, anyone could see that ISR Plan needed to be renewed. This malpractice of theirs, brought my Loan back to the starting point after having paid off a large part of the sum by using up all my Savings. Now I find myself having to pay for their deceiving, abusive behaviors. I did not receive any information about my Loan being transferred to the agency named XXXX and I never received a notice of default letter by Navient or any other agency. As a result of this conduct, I find myself now having to deal not with one but two collections agencies asking me to pay for the same absurd debt amount. The federal student loan system exists for a single purpose : to serve students and their families. All parties involved in administering federal student loans, including servicer like Navient, must act with honesty and integrity at all times to ensure that the financial aid programs serve the best interests of students. By engaging in these unfair practices, Navient is disrupting this purpose. Their responsibility is to best assist borrowers as issues arise over the lifetime of a loan. I had all the qualifications to receive a Renewal for ISR Plan and Navient was supposed to act with honesty knowing that the options for repayment are keyed to the borrowers income and can be short term or long term and need to take account of their financial hardship. My extreme financial hardship showed with no doubts in my 1040 and all the documents submitted. If you read the pleading letters and mails sent to Navient asking for acknowledgment you can see clearly the desperation they had me go through in XXXX and XXXX by trying to deal with them in getting my Forms, not only to be excepted, which was not the main issue here XXXX just by looking at my 1040 you could tell how bad my financial status as a single mom was ) but they were completely ignored! ( see the attached form pdf with temporal indication of all the communications between Navient and I ) I came to know from State of Attorney Generals office that numerous investigations have uncovered similar misconduct by Navient. I was also informed that State of Illinois and State of California found that Navient regularly misled borrowers who were enrolled in Income Driven Repayment plans about the certification they needed to file annually to ensure that they remained enrolled in such plans, and further discovered that Navient consistently made payment processing errors that resulted in borrowers paying unnecessary late fees and, in some cases, entering into delinquency. This appears to me exactly the path I was pushed into. Ive always paid my Loan with amounts of more than {$500.00} dollars a month. I was able to pay such a huge amount using my Savings and I would make an extra payment of more than {$1000.00} at the end of each year to cut down the principle. When my financial situation dropped and my savings had been almost fully used up, I had to revise my payments totally. I had no intention not to pay. It clearly reads in my pleading letters attached! IN CONCLUSION, NAVIENTS UNFAIR AND DECEPTIVE ACTIONS RESULTED INTO AN IMMENSE PERSONAL AND FINANCIAL INJURY WITH THIS OUTCOME : - Neglect by Navient of forms and letter for Income Sensitive Repayment Plan Re-certification and dishonest evaluation of Documents sent in which purposely delayed the renewal process ( behavior engaged in XXXX and then repeated in XXXX ). - Expiration of Deadline for Renewal of Income Sensitive Repayment Plan not due to my untimely intervention but caused by Navient neglecting my re-certification documents. - Monthly payments raised to full amount due to Expiration of Deadline - Loss of Rights to continue pay my monthly payments on a calculated percentage of income and family size ( see XXXX ) ( single mom ) - Loss of Rights given by the Federal Government to Income Sensitive Driven Repayment Plans with subsidized Loans to have interests paid by the government during the first 3 consecutive years of enrollment in the plan. - Loss of Rights of a possible forgiveness of the remaining balance of the federal loan after making 20-25 years of Qualifying Payments - Defaulted Loan - Loan handed to Collection Agencies with all the fees, costs and interested summed to it - IMMENSE PHYSICAL AND PSYCHOLOGICAL BURDEN BACK IN XXXX - UNBEARABLE PSYCHOLOGICAL BURDEN TRYING TO DEFEND MY CASE TODAY PLUS THE IMMENSE FINANCIAL BURDEN THAT I WILL HAVE TO GO THROUGH BECAUSE OF THEIR ACTIONS ADDED TO TODAYS FINANCIAL HARDSHIP IM STILL FACING WHICH WILL AGGRAVATE THE SITUATION OF LOSS OF JOB DUE TO LOCK-DOWN. Please take in consideration all the information included on this Complaint and give the possibilities to both parties to hand in proofs before closing the Complaint. Sincerely XXXX XXXX XXXX | ||||||
| 04/19/2019 | Yes |
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| Please see the first Attachment, a XXXX XXXX version of the information below, as the website does not allow formatting or proper spacing. This complaint pertains to Navients handling of my application to consolidate my 7 federal student loans. In order to make an informed decision about whether or not it makes financial sense to consolidate my 7 federal student loans, I need to know which repayment plans I would be eligible for if I were to consolidate, and Navient can not /will not give me that information. BACKGROUND : I am trying to determine whether or not to consolidate the loans. If I do consolidate them now, ( assuming I am eligible for an Income-Driven Repayment ( IDR ) plan ), I will have a more manageable monthly payment, BUT, I will effectively be throwing away 10 years of payments made under 4 of my loans that were already on an IDR plan. ( My understanding is that once the loans are consolidated, there are 8 different repayment plan options, which can be broken into 2 categories : Standard repayment plans, and Income-Driven ( IDR ) repayment plans. The Standard repayment plans include Standard, Graduated, Extended Fixed, and Extended Graduated. My estimated payments under the Standard plans would range from a low of $ XXXX/month to a high of $ XXXX/month. The IDR plans include Income-Contingent, Income-Based, PAYE, and REPAYE. The estimated payment under the REPAYE plan ( which is the plan I selected and applied for ) is estimated to be $ XXXX/month ). After much research and consideration, I have concluded that I do want to proceed with the consolidation, BUT ONLY IF I AM ELIGIBLE FOR AN IDR PLAN. Therefore, I NEED TO CONFIRMATION OF MY ELIGIBILITY FOR THE DIFFERENT IDR PLANS, AS WELL AS THE ESTIMATED TERMS OF THOSE PLANS, BEFORE I GIVE THE OK TO PROCEED WITH THE CONSOLIDATION. My understanding is that Navient ( as the servicer assigned by the US Dept. of Education to process the consolidation application, per Attachment C Email from studentloans.gov ) is supposed to provide me with this information via a Consolidation Loan Summary Statement ( CLSS ). To date, Navient has been unwilling or unable to provide this information the sections of the two CLSSs that I received ( Attachment E and Attachment G ) that address eligibility for the IDR plans are simply blank, and the specific IDR plan that I selected on my application is not even listed on the CLSSs as an available option. Lengthy email correspondence with Navient ( Attachment F ) has provided no substantive explanation for why they can not give me this information. However, a Navient representative has, verbally, offered the following explanation : When processing a consolidation loan application, Navient does not provide the IDR plan information if they are not going to be the servicer of the new ( consolidated ) loan. In other words, Navient is effectively saying, You have to consolidate the loans first, and then you find out the repayment plans that are available to you. This is not acceptable. The most basic principle of fair lending laws is full disclosure of the terms of a potential loan before the loan is made. I am asking CFPB to step in to help me get the information from Navient I need to make an informed decision. SEQUENCE/HISTORY OF THE CONSOLIDATION APPLICATION - XX/XX/19 I submitted my CL application ( Attachment A ) and my IDR Request ( Attachment B ) via the studentloans.gov website. I also received a confirmation email from studentloans.gov on XX/XX/19 ( Attachment C ) stating that XXXX ( the servicer I selected on the application ) would be the servicer of the consolidated loan, but that Navient would be the servicer processing the CL application. The email, Attachment C, stated Once your consolidation servicer receives the application and documentation from you, the servicer will contact you after reviewing your application and your eligibility for the repayment plan you selected. - On XX/XX/19 I received an email from Navient ( Attachment D ) confirming receipt of my application. The email further advised that I would receive a Summary Statement ( hereinafter Consolidation Loan Summary Statement, or CLSS Attachment E ), and that I would have 10 business days after receiving the CLSS to request any changes. - On XX/XX/19 I received the CLSS, dated XX/XX/19, via email. This meant the deadline to request changes or cancel the consolidation would be XX/XX/19. o Page 1 of the CLSS acknowledged that I requested the REPAYE IDR plan. o Page 3 of the CLSS, under Section 2, states This [ Section 2 ] allows you to compare the estimated Monthly Payment amount and total repayment amounts under each of the Direct Consolidation Loan repayment plans for which you are eligible ( emphasis supplied ). o Page 5 of the CLSS is titled Direct Consolidation Loan Summary Sheet ( Summary Sheet ) and Section 2 Estimates of your Direct Consolidation Loan Repayment Options The Summary Sheet sets for the estimates under the different Standard repayment plans ( which I am not interested in, nor did I request ). However, the Summary Sheet does not provide any of the information about either the estimated terms of, and/or my eligibility to participate in, 3 of the 4 IDR plansFurther, the specific IDR plan that I did select ( REPAYE ) is not even listed as an available option on the Summary Sheet. Given the language on page 3 of the CLSS ( This [ Section 2 ] allows you to compare the estimated Monthly Payment amount and total repayment amounts under each of the Direct Consolidation Loan repayment plans for which you are eligible ), this makes me question whether or not I would be eligible for an IDR plan ( specifically, REPAYE ) after consolidation. o Since, as stated above, I only want to consolidate the loans if I am eligible for an IDR plan, I need confirmation, in writing, about my eligibility for IDR before the consolidation goes through. Thus, I have been trying to get Navient to give me that written confirmation in the form of an updated/corrected CLSS since I first received the XX/XX/19 CLSS. Their responses to my request have been all over the place, but ultimately they have not given me this confirmation that I need to make an informed decision about whether to proceed with the consolidation. CORRESPONDENCE WITH NAVIENT AFTER RECEIPT OF THE XX/XX/19 CLSS. o XX/XX/19 Email to Navient requesting an email copy of the CLSS once available. o XX/XX/19 Email from Navient advising CLSS would be available on XX/XX/19. o XX/XX/19 Email from Navient with the XX/XX/19 CLSS o XX/XX/19 Email to Navient explaining the CLSS does not contain the info I need regarding my IDR plan eligibility, or the estimated terms. o XX/XX/19 Email from Navient confirming that I did provide the documentation necessary for them to process my IDR request, and advising that the IDR info should be listed in the letter. o XX/XX/19 Email to Navient with a more detailed explanation of my position and need for confirmation of my eligibility for IDR. o XX/XX/19 Email from Navient discussing IDR eligibility generally, but confirming that Navient is not able to actually confirm my eligibility for IDR. This email also advised me to call Navient Customer Service, suggesting that their agents could verbally confirm my eligibility for IDR ( but for some reason, it could not be confirmed via the new CLSS I was requesting ). o XX/XX/19 Phone call to Navient re status of my request for the new CLSS. The agent advised that she saw no pending request for a new CLSS in their system, but stated she would re-initiate the request, and that it should be available to me via Navients website within 48 business hoursthis would be XX/XX/19, which was the deadline to change/cancel the consolidation. The agent also explained the process for pausing or temporarily canceling the consolidation request, if I did not get the info I needed in time. o XX/XX/19 Phone call to Navient to check status of the new CLSS. The agent stated he saw notes regarding the XX/XX/19 call, but did not see any pending request for a generation of a new CLSS. This agent also stated he would re-initiate the request for a new CLSS. o XX/XX/19 Email to Navient instructing them to temporarily cancel the consolidation, as I still had not received the new CLSS that had been promised numerous times. o XX/XX/19 Email from Navient confirming temporary cancelation of my consolidation application. This email also stated, for the first time, that any new CLSS will NOT include IDR plan information, because [ t ] hat information comes from the Servicing Department. o XX/XX/19 Email to Navient explaining that I can not proceed with consolidation without getting confirmation of the IDR information. Also advised of my intention to file this CFPB complaint. o XX/XX/19 Email from XXXX XXXX, Supervisor in Naviets Consolidation Dept, advising a supervisor in another area would contact me to address my issue. o XX/XX/19 Follow-up email to XXXX, as I had not heard from anyone. o XX/XX/19 Response from XXXX stating she would follow up with the other supervisor, and also advising she can not create you an updated Loan Summary Statement. o XX/XX/19 Received call from XXXX XXXX, a supervisor in the Customer Service Department. She explained Navients process and advised I could look up my eligibility for IDR using a number of different resources, but I again explained I needed confirmation in writing. XXXX advised she would look into it and get back to me, particularly re the issue of why the REPAYE plan was not even listed as an available option on the XX/XX/19 CLSS. I advised I would wait to hear from her until Monday, XX/XX/19 before filing the complaint with CFPB. o XX/XX/19 & XX/XX/19 Phone calls with Ms. XXXX, where she explained that it appears that the problem is that Navient does not have a process/procedure for providing the IDR info when they are not going to be the servicer of the loan once the ( potential ) consolidation is complete. o XX/XX/19 Recd 2nd CLSS dated XXXX ( Attachment G ), again without any of the IDR information. o XX/XX/19 Recd letter from Navient dated XX/XX/19 ( Attachment H ) confirming my consolidation loan application was not processed due to the fact that I cancelled/postponed it. | ||||||
| 02/04/2018 | Yes |
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I am having a very hard time with getting some negative credit entries corrected on old, closed accounts with Navient. I had loans, originally serviced by XXXX XXXX, that were transferred to Navient in XX/XX/XXXXwhen the split occurred. Shortly after, I went ahead and consolidated over to a new lender in Mid XX/XX/XXXXand closed out these lines ; these loans have been paid off, in full, and " closed '' with Navient. Since this time, I've had to constantly battle for Navient to correct balances, correct deferments, and i'm at a point now where I am just not getting the proper responses, requested materials, or investigations done for my disputes in a timely fashion or to the full capacity of which im requesting. As of now, I find that the delinquent remarks are fraudulent since I am being denied proof of the validity. I have tried by phone, email, and through Credit Bureau Dispute to challenge the incorrect late payment history that Navient continues to report these derogatory payments without providing me with my requested validation and verification. In addition, the balances, delinquencies, and information reported among all 3 bureaus is NOT consistent on these trade lines and I've asked this to be fixed multiple times.
Currently, my Credit reports have 19 individual student loan trade-lines, representing all loans disbursed by XXXX XXXX & later Navient. On each of these 19 trade-lines, Navient is reporting 5 - 120-day Delinquencies and 3 - 90-day delinquencies. I feel that hypothetically, my credit report really should be " penalized '' only for 8 delinquencies, while FICO is translating each tradeline separately as its own debt. So in reality, my credit report is showing instead a total of 8 delinquencies/missed payments on 19 trade lines translating to a total of 152 delinquencies/missed payments against my credit. The entire length of my relationship with XXXX XXXX lasted for about 5 years, yet I have enough delinquency on my credit from them to equate to me not paying accounts for a total of almost 12 years. I am at a point now where I am applying for a mortgage but am being met with the obstacle of redundant, late payments that were reported from Navient - and there is nothing further I can do it seems in terms of getting assistance from them. In addition, most of the delinquencies in question are from the originating loan servicer that is no longer involved, XXXX XXXX ; Navient refuses to change anything I've disputed from XXXX XXXX while at the same time also refusing to provide me with the supporting documents they have from them showing these reports to be in fact valid. I contacted XXXX XXXX and they disclosed they no longer hold records of my loans. I am continually being denied my disputes while the company continues to speak for XXXX XXXX and not provide me with the supporting information to back any of it. Navient took over XXXX XXXX as of XX/XX/XXXX - and most if not all of the discrepancies i have precede this date and fall on the responsibility of XXXX XXXX to verify, not Navient. Based on the dates of delinquency, I am in firm belief that the 6 month stretch of delinquencies was a result of the transition to Navient from Sallie mae. Ironically, these " delinquencies '' appear for the 6 months preceding Navient 's takeover in XX/XX/XXXX and stop once Navient is servicing the loans in Fall of XXXX. The number of derogatory payments being reported are causing denials in any application for loans, mortgages, and low interest credit lines. I would like to express that I honestly, do not feel that my credit history reported by is truly reflecting the billing/accounting relationship I had with them. The method in which delinquency remarks are applied on my credit report do not represent how the loan payments were ever billed, paid, or collected. While yes, all of these loans were disbursed at different times at various semesters, they nonetheless were arranged to all bill, and post payments to one combined bill from Navient under account # XXXX. If Navient is billing me for all loans and ask that I pay one payment directly to one account number, then it should in no way justifiable to penalize me as if I failed to pay a large number of separate, isolated items when it really was just 1 account, all billed through Navient under one account number. And nonetheless, navient 's report of 1 delinquency continues to multiply by 19 trade lines every time they make negative changes, dropping my score sometimes pretty significantly. I contacted Navient customer care and asked for a full copy of any all account history, deferments, forbearance notices, delinquency notices, and statements, mail-outs, etc. This was a few months back, and at that time was told that since this was between 4-5 years ago, and the loans were originated from XXXX XXXX and now closed/consolidated and they no longer have access or the ability to pull any statements/records to fulfill my request. I was however, able to retrieve very old emails I saved from XXXX XXXX, and Navient from this time frame, showing that I in fact was in Forbearance for most if not all the dates listed. The dates reported negative which I request full validation and verification of and its statements are as follows : XXXX XX/XX/XXXX XX/XX/XXXX -- XXXX - I am in possession of email from XXXX, sent XX/XX/XXXX which explains that my loans were at that time CURRENTLY in forbearance and was set to end on XX/XX/XXXX and repayment will begin. Since this email supports with high probability that I was in forbearance on the month they report as 90-days delinquent, which is less than 2 months prior, XX/XX/XXXX, I ask that it be removed/adjusted, or if chosen to be kept on the reports, to have the debt validated and I be provided with the paperwork for any and all the forbearance requests and their dates of execution, and the statement for these months in question to compare for accuracy. It now reports 90-days late and does not seem accurate to documents and correspondence I have provided of that time. This email I have clearly indicates I would have been in some type of deferment during this time frame as they are only months apart, and before repayment. NSLDS.gov also reports that XXXX XXXX placed me in a forbearance ( which I do not recall even asking for or have record of ) on XX/XX/XXXX. Using this information, even then this would not allow for a 90-day late remark, as XX/XX/XXXXwas less than 90-days from the confirmed START of the forbearance listed in NSLDS. Please remove the delinquency reported on XX/XX/XXXX as documentation supports I was already in forbearance at that time. XXXX-In possession of email with conversation with rep XXXX XXXX ( XXXX ) that was sent on XX/XX/XXXX. The email is a request for confirmation on if I would like to CONTINUE my forbearance for an additional 3 months. I also have my reply confirmation, on XX/XX/XXXX, permitting the forbearance sent to XXXX. XX/XX/XXXX however, is reported as 90-days delinquent. Being that I confirmed and executed forbearance in XXXX, this month should have been reported as current as well. The email also indicates to " continue '' forbearance for another 3 months, which leaves evidence that I was currently in a forbearance at the time. ( leaving the 90 day delinquency inaccurate for XXXX ) XXXX - I submitted a request for a goodwill adjustment on this date with Navient, as I was going through a hard time with some personal issues during this period and believed they may have overlooked my email or are still investigating this stretch of time. I did however, upon looking in my email history, find some evidence that forces me to also have these months validated and verified. For the date range in question, I have emails supporting the possibility that I was in forbearance for all, or a portion of this 6-month stretch. On XX/XX/XXXX, I received a forbearance extension confirmation from XXXX XXXX ( XXXX ) to confirm if I wished to continue and add 3 months to my forbearance. In seeing this, I question the validity of the 120 day delinquencies reported for prior 90 days of XXXX. Additionally, going backward in my inbox, I found an email from XXXX dated XX/XX/XXXX asking me to log in to view my new documents ( presumably a forbearance document ). Unfortunately due to the loss of XXXX XXXX as the servicer, I can not log in nor get any information when calling them on this matter to do my own validation and verification. And going back 90 days before, in XXXX, I received another email on XX/XX/XXXX from XXXX asking me to log in and look at my new documents. Again, I can not access and retrieve so can not verify its contents.. Based on the information above, and my extreme exhaustion with trying to resolve this myself with no luck, please advise on what I can do to get this resolved. It seems as of now, I am the only party of the two involved who can furnish the most hard-copied proof of the fact I was in forbearance during these times. I filed disuputes approx. 3 months ago via XXXX with bureaus, as well as emailed the navient Customer Advocate, and tried by phone. I get no answers to my questions and not one person has been able to provide me with legitimate, hard copy proof of the delinquincies they are reporting. At this point, I have an amazing payment history and credit reputation with my creditors and should be reaching a high credit score. However, no matter how hard I continue to work to rebuild and increase the score, I've hit a wall with the incorrect, redundant entries by Navient significantly pulling my score down. I would understand if these were active loans that I was continuting to pay on, but I don't understand why Navient is giving me such the run-around on changing information that dates to before their time servicing my loans, especially being in a closed/paid off status. I'm merely asking for an adjustment of old information to reflect the correct status of delinquencies, if any. I am confident that ideally these trade lines should actually reflect paid on time as I have proof via email of being in a consistent forbearance through to consolidation for most of the account life, leaving no valid delinquencies. |
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| 04/10/2021 | Yes |
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| Please attachment for details XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX XX/XX/2021 XXXX : CFPB Please assist with the below. I have complained multiple times and you are not offering solutions just passing it to the company who is giving me the run around. I need an override and correction and I wont stop till I get it. I'm a customer and I'm right in this instance. Navient the servicer, is giving horrible service and wont validate a debt per my request. They are hiding behind the government and refusing to make me, a customer, whole. This is a debt dispute and its well documented that it should be corrected in my favor. Please help push to override and correction of this from a federal standpoint. THis experience is wrong and intolerable. Thank you for your time and consideration. Navient is not giving me what I am asking for. The 2nd paragraph of the attached letter I am clear in what I am asking for. It should have been provided from the first letter. This has become a back and forth with no answers and is a bad customer experience due to the sensitive nature of debt. The servicer has mass marketed approaches that benefit the servicer/federal government and not the borrower. I have attached examples. Navient continues to hid behind acts/statutes with no empathy or apologies. This is still a debt but the only form of debt that you can get away with like this due to federal involvement. I am paying 77K+ as it is not validated and this has been the worst customer experience of my life. Ill do whatever it takes to fight this. Not trying to avoid or discharge but im not paying any debt without clear transparency, what I signed is irrelevant. This is just bad customer service and stressful, no answers. I need to be made whole. My correct loan amount is {$59000.00}. It must be corrected to that solely for this stressful mentally draining experience in addition to avoiding the law and not validating my debt. Please override and correct my balance to {$59000.00}! Look at the paper trail. I cited debt validation and verification. I was given the below. An equation. -- random big charges -- -- no rhyme or reason as why its those dates, gon na randomly do it again???? No one pays a debt that isnt explained to them detail. This company needs to offer more transparency and better customer service. Government should contract with better companies. I'm demanding an override as cited above. Navient refuses to provide detail. They simply dont want to and would rather provide lazy and vague responses. It is a company with technology and resources but sends a few paragraphs and something anyone could have just thrown together. I have a total lack of trust. I cant be expected to believe anything this companies provides after this. Make me whole as stated above. This is redundant and repetitive. I am offended honestly. I know who and what Navient is. This is an attempt to shift blame and attention of this matter to the Department of Education. Navient is a business and I am a customer. Total lack of empathy in this response. Very transactional. No new information provided here and nothing that helps/addresses what Ive asked. I already cited that amount in my response. Again redundant and transactional I know what interest is and the formula was previously cited. I asked how does this apply specifically to my loan? Im getting repeat information like I lack intelligence. Im offended. Please see your loan agreement for what? What am I supposed to see? Im confused. What details should i be looking for? This letter wants me to apply formulas and see details? This is information Im requesting as a customer its very simple. Correct I reviewed the terms and included them in a response. This is a question of transparency. I was vetted in a predatory way to do forboreances and {$0.00} payment plans but it was never explained to me the financial impact of that in detail. Like, the exact amount it would cost me the customer should I take it. Now Im asking, and getting a formula and told to do my own homework. The balance owed is {$76000.00}. The {$12000.00} is cited which again I am fully aware of from the previous response. Factoring in the original amount of {$59000.00}, there is still {$4800.00} that isnt explained. How I am expected to have confidence in company that wont fully verify a debt after TWO requests? They are going to continue to minimize themselves and say this is on the government/federal level and do nothing. I am a customer. This is a bill. If you cant provide transparency, there are laws that say I dont have to pay. This is clear they wont do what I ask after multiple attempts. They literally left out {$4800.00}. Twice. See both responses. They came from Navients mouth not mine. Stop flexing Goverment power and fix this. Right a wrong. At minimum this is extremely poor customer service given the gravity of the debt. Its a pandemic. This is a taking a big toll on my mental well being. Page 1 of this attempt to clarify things already confusing. {$75000.00} but {$76000.00} is cited in response. Pages 2-5, nothing clarified. No details as requested. Validation should explain how arrived these amounts. But I get it, its Federal. So navient can hide behind that. The US Dept of Edu has the ability to override and correct this and I have full confidence they will. Pay a little now, save alot later.Pay what? What specifically to save. All the marketing emails to take {$0.00} payments and forbearances but vague about how amounts get to what they are and what cant tangibly done to reduce them. The verbiage states it may be capitalized which again is confusing. This makes it seem like there is a choice in the matter. I keep getting told what I signed but yet verbiage leaves the door open for a choice to be made by saying may it was misleading then and its misleading now. Theres nothing that specifies how much interest is accruing. That calculation is nowhere to be found and it doesnt show how it applies to my loan. Again, im just supposed to pay whatever Navient sends without transparency? I have to do calculations myself after I ask for this information? No validity to this debt and Navient refuses to provide it. Why is date blank????? Keep being told what I agree to and what cant be changed but no details are given So on XX/XX/XXXX of XXXXI was charged over {$12000.00}. Huh? All one day. Whats the rhyme or reason behind this??????? This looks like it was created to lazily just complete a task rather than address a customer concern. It disrespectful to my intelligence. I asked for debt validity. Itemized month by month charges of the whole amount. Explaining how you got to these amounts. I was given 10 pages that conclude with over {$12000.00} being charge on one day..How am I to faith in this in this company regarding a debt I owe? This is insanity. At minimum this is an awful customer service experience. Asking for answers about a large sum of money, to which I am lawfully entitled to. Get vague, poorly put together responses. Navient is allowed to give bad customer service and cite whatever they want to requests like mine because they just hide behind the above. I dont even know what the Act is or how it applies to my situation specifically but I know Navient will say they cant do anything because its Federal. But they have a job to do as a company. As noted in my response. They are doing an extremely poor job. I am appealing to whatever Federal powers there are at the US Department of Education to make a paying customer whole. Since my debt cant be validated which is the law, I am requesting an override and correction. I know this is possible and im justified for it. My correct loan amount is {$59000.00}. It must be corrected to that solely for this stressful mentally draining experience in addition to avoiding the law and not validating my debt. Please override and correct my balance to {$59000.00}! Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. | ||||||
| 07/17/2019 | Yes |
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| I XXXX XXXX XXXX have earned my XXXX Degree XXXX GPA at XXXX XXXX XXXXXXXX, I began my XXXX Degree at XXXX University XXXX GPA, ( Left due to teachers consistently got upset because I had to remind them to post my earned/noted grades into the online grade book ), and continued my XXXX Degree pass completion at XXXX University ( Student # XXXX XX/XX/XXXX-XX/XX/XXXX ). XXXXU has refused to release my XXXX degree and transcript for employment, which has prevented me from gaining stable teaching, probation, and parole officer jobs which I most recently applied, etc. XXXXU has also prolonged me paying off an accurate amount for the student loan due ; because I have no XXXXU transcript upon request to be sent to employers when I submit the online request to be distributed official or nonofficial transcript from the university. I also to repeatedly remind their teachers to enter earned/noted grades to the online grade book before/after classes started/ended.I was eventually prompted to track numerous fraudulent changes to my degree audit.Navient Unpaid Principal : {$68000.00} Unpaid Interest : $ XXXXInterest accrues daily ( {$15000.00} XXXXU added on for their insisted required extra classes-Told XX/XX/XXXX ) I was prompted to write this letter after it was confirmed to me that again an employer never received my online requested transcript. After numerous phone transfers, XX/XX/XXXX financial advisor transferred me back to XXXXU financial advisor manager XXXX after she hung up on me once I stated my name. The initial financial advisor confirmed that my total degree audit credits had been depleted again from XXXX credits on of my last printed copy to XXXX claimed total amount of credits earned sometime around XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX. They keep secretly decreasing my credit total amounts earned but no reduction to the claimed fraudulent balance owed, or inaccurate GPA. Although, the financial advisor manager XXXX would only state that he wasnt supposed to tell me nothing, as she insisted on only updating my address which I repeated did not change, so she didnt want to discuss my account. My online access is locked and blocked again from me to this day and IT help desk simply because they dont want me to see they are still attempting to make my degree audit look accurate so XXXXU wont look as fraudulent for padding it with previously passed classes from the 2 two prior universities I attended listed above.I am requesting an independent investigation in reference to XXXXU 's fraudulent and unlawful common illegal manipulated strategic practices and intentional financial discrepancies for the institutions financial gains. I sent initial complaints to Texas Department of Education to XXXX XXXX ( Who corresponded that I complained too early and too late ). At the time of my complaints ( High admin turnover while I attended ) XXXXUs XXXX XXXX president, XXXX XXXX vice president, XXXX XXXX director of student affairs, XXXX XXXX enrollment counselor, XXXX XXXX and XXXX XXXX finance director/XXXX director both insisted in email attached that I repeat classes that I communicated repeatedly I passed in my XXXX degree program and at the beginning of my XXXX program, and XXXX XXXX of Texas Department of Education, fail to recognize this matter is not closed due to my deliberately hard earned education as well as financial situation matters. XXXXU knew exactly what they were doing that is also the reason my fraudulent expected graduation date was XX/XX/XXXX ( though I only needed XXXX credits to complete the XXXX program ) XXXX XXXX XXXX director stated to me, " The expected graduation date is XX/XX/XXXX in order to prevent a limited scheduled amount of money from student loan agencies/ student financial aid, to access all available funds ; with claims to the student loan agencies/financial aids of it taking 8 years for a student to complete the XXXX program. But a law was changed and they corresponded that I owed the college calculated and unexpected funds outside of financial aid and initial loans previously agreed upon, so a {$1500.00} semester scholarship that was offered disappeared. So, this is one of the reasons XXXXU has refused to release my transcript and degree. I have honestly earned my XXXX degree w/over XXXX credits for a XXXX credit program XXXXU continues to randomly and quietly deplete credits just to make their documents look accurate, ( I have numerous degree audit copies to prove it ). There is a tremendous amount of proof in my XXXXU email box XXXX as well. I endured and complied with email proof request to retake the numerous additional doubling up of classes taking 4 classes per semester instead of 2 from approximately XX/XX/XXXX to XX/XX/XXXX. I insisted on doubling up because I got tire of going back and forth with XXXX XXXX and XXXX XXXX finance director/ XXXX director and I made sure they knew that I had previously taken the 10 extra classes. They still again added more previously passed classes XX/XX/XXXX simply because I completed all posted classes again. XXXXU faculty only continued to post classes previously again passed with A/Bs to populate in online catalog for my selection ( As a common fraudulent practice it appears for the university to later say I selected classes previously taken on my own ; knowing there was nothing that I had not taken listed and that is the sole reason I stopped taking classes XX/XX/XXXX ). I also have email proof persisting that I take the classes, but the Texas Board of Education claimed they refused to read or accept it. When it was XXXXUs student affairs who clued to me that I initially had a problem with the XX/XX/XXXX10 blocked classes which could for some reason only be unblocked not by IT help desk, but by XXXX XXXX enrollment counselor who persisted to offer me a free dinner at an expensive restaurant in XXXX XXXX, instead of my continued education as I ignored her. No matter how I explained to her and other faculties I had previously taken all the classes on my degree audit and in their catalog listings. I have numerous XXXXU revised degree audits w/o my knowledge or permission attached that displays repeated systematic changes of corrections because the university was wrong over and over again, attempting to make things look right per my complaints. XXXXU insisted on manipulating my GPA which they refused repeatedly to share with me while I was a student, and expected graduation date XX/XX/XXXX although I began XX/XX/XXXX. XXXXU who claims not to be WRONG arrogantly, repeatedly, and commonly corrected, revised, or just totally changed my degree audits by also untransferring classes from my official transcript/reposting them requiring for me to retake although passed in XXXX program on XXXX XXXX XXXX official transcript or initial XXXX program from XXXXU official transcripts that they received w/only choices of classes previously taken and passed, then to now reverse the classes to appear legit with claims of me selecting duplicate classes. Clearly and initially the problem was XXXXU did not have enough classes or instructors for me to take XX/XX/XXXX and all posted classes listed on my degree audit had been completed, which was found on both official college transcripts. Fraudulent XXXXU like to talk in circlesSome classes listed on their catalog had nothing to do with XXXX, wrong classes they claim I took they label as extra credits but can't count as a capstone or final class ; but the only capstone classes I had listed on the catalog and degree audit again I had previously passed in my XXXX XXXX program at XXXX XXXX XXXX and each time I would mention this they would change it to another duplicate class from one of my official transcripts, hoping I would not notice. Every time, I forwarded new accurate proof to the Board of EducationXXXXU the college commonly revised all contradictions of false statements and inaccuracies of padding my degree audits with previously passed classes from my past college transcripts for compromised visible accuracy. These types of common practices only benefited XXXXU due to them completely running out of classes and instructors for me XX/XX/XXXX listed on my general XXXX concentration attached. Instead of their curriculum being XXXX credits to graduate like XXXX XXXX XXXXXXXX and XXXXU the identical curriculum and classes scheduled unlawfully requires a initially hidden 180 credits ( Which conveniently changed ) to complete the XXXX program as they stole previously passed classes from my official transcripts, whether they were included in my general XXXX concentration or not. Surely these are not an isolated incident they are just fraudulent. The XXXX classes that XXXXU requested for me to take before/after XX/XX/XXXX consist of classes which has already been again taken and passed during my XXXX Degree program when I previously attended XXXX XXXX XXXXXXXXXXXX. Also, I have taken all of my religious courses and then some at XXXXU which were previously accepted as transfers at XXXXU, but they deemed it convenient to untransfer/ unapproved and add to my XXXX program due to again they ran out of classes and instructors for my general XXXX concentrationHowever, I have received several degree audit communications which fail to include all hours which I accrued. According to all transcripts, I have taken and completed classes amounting to XXXX ( Now changed again to XXXX w/no failed classes ) credit hours after I noticed I needed to track the manipulated degree audit changes. The required number of hours for a XXXX degree is XXXX, but initially XXXX. ( See attachments included ) | ||||||
| 09/07/2021 | Yes |
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| Navient, my student loan provider, is known for harmful and deceptive practices that have resulted in several lawsuits starting in XXXX according to XXXX XXXX XXXX Please add changing Federal Loans to private loans to avoid the CARES Act mandate, overcharging repayment amounts on the Income Based Repayment Plan, refusing to respond to emailed requests, charging unauthorized fees, engaging in deceptive communication techniques, and engaging in harassing and retaliatory actions to these harmful practices. Changing Federal Loans to Private Status I have 11 student loans to cover finishing getting my XXXX and XXXX degrees. The first one was opened on XX/XX/XXXX and the last one was opened on XX/XX/XXXX. I graduated with my XXXX XXXX in XXXX of XXXX. All these loans were opened under Sallie Mae and were XXXX, subsidized and unsubsidized Federal Loans ( please see the Sallie Mae Repayment Plan Selection and Summary from XX/XX/XXXX ). When these loans were sold to Navient in XXXX, Navient also agreed they were Federal Loans and not Private, please see pages 1 and 4, Section 9, Definitions of the Income Driven Repayment Plan Request, which is also attached. From 2015 to XX/XX/XXXX, my payment on the Income Based Repayment plan was just the payment. In XXXX of XXXX, my loan was placed in deferment because I was unemployed. When Navient took my loans out of deferment status in XXXX of XXXX, my payment of {$74.00} included an additional monthly fee of {$11.00}. That is when my Navient changed my Federal to a Private loan to avoid the CARES Act mandate. According to Senator XXXX office, the service fees are only assigned to private loans. It appears that Navient knew my loan was a Federal loan because deferment is only for 12 months, yet Navient let the loan remain in deferment until XX/XX/XXXX, which is 16 months, which seems to imply that Navient was going to let my loans stay in deferment and then changed their minds in XX/XX/XXXX Current Payment on Income Based Repayment Plan I am at a loss at what Navient is doing, especially since they are not replying to emails. On XX/XX/XXXX, I received an email from Navient saying my new IBR monthly payment, starting on XX/XX/XXXX would be {$76.00}, however, when I went online to pay my XXXX XXXX, Navient posted that my XX/XX/XXXX payment would be {$220.00}, plus a fee of {$11.00}. ( This when I tried to resolve this issue with a Navient supervisor and ended up talking with Senator XXXX office. ) Since contacting the Senators office, President Biden and the FSA Ombudsman, Navient changed the amount due to {$220.00}, less the ONE service fee of {$11.00}. Does the mean that Navient realized they shouldnt have charged service fees for 9 months? If so, doesnt it make sense that Navient should refund {$100.00}, instead of just {$11.00}? And doesnt this mean that Navient acknowledges that my loans were not private, but Federal? And if so, they are supposed to be in deferment? If Navient is going to acknowledge that the fees were charged in error, then next payment due after XX/XX/XXXX, after the deferment ends would be {$76.00}, less {$100.00}. Which would {$0.00} due on XX/XX/XXXX and {$46.00} due on XX/XX/XXXX. No Response to Emails and Deceptive and Hostile Verbal Communication Communication with Navient has been unsuccessful. They dont respond to emails left on their website. I left emails in XXXX, XXXX and XXXX of XXXX asking what the additional monthly fees of {$11.00} were for, but didnt get a response, until after I contacted the FSA Ombudsmans office, Then, I got a very hostile phone response in the summer. The woman who called me was so hostile in her tone, that it made my stomach upset and she refused to let me speak to her supervisor. I left an email on their website on Sunday, XX/XX/XXXX and it is now Friday, XX/XX/XXXX and no response. The generic message on their website says they reply within 2 business days. It has been 5 business days since my last email. Speaking with Navient representatives is a frustrating process as they use unfair fighting techniques like being inconsistent which is defined as keeping the caller off balance by changing the focus of the issue, brown bagging which is bringing up issues that dont relate to the solving the issue at hand, blame and straight out lying. Examples of these communications styles are as follows : - On XXXX, I spoke with a Navient supervisor who said my loans had never been in deferment from XXXX to XXXX, which made me wonder if he was really looking at my account. He also said because my loans were Private Loan and not Federal, it were not eligible for deferment. - On XX/XX/XXXX, at XXXX XXXX, I spoke with someone from Navient who first, got mad at me when I interchanged you and Navient. Obviously, when I said You, I meant the corporate You, yet she took it personally and said, Stop accusing me of that She also said that my loans were not eligible for deferment because I had been paying on them, which was nonsensical. Of course, I was paying on them, Navient took it out of deferment! Just because I was doing the right thing and paying it, doesnt make it right that Navient took it out of deferment when they shouldnt have. She also said that even though my loans were Federal, they were not eligible for deferment because they were taken out before XXXX. So, there are some Navient employees who see that my loans are Federal and others that tell the Federal Student Loan Association, that my loans are Private. And again, my loans prior to XXXX, were with Sallie Mae, not Navient, I didnt start with Navient until XXXX. Charging Incorrect Amounts on Repayment Plan In addition, Navient has not been charging me the correct amount on my Income Based Repayment Plan. Per page 4, the definitions of what is calculated for a monthly payment on the Income Driven Repayment Plan Request, 15 % of discretionary income is allowed. The 15 % of discretionary income is the amount that exceeds ones adjusted gross income that exceeds 150 % of the poverty guidelines for ones state and family size. As you can see by the chart below, I was overcharged by {$110.00} per month in XXXX, {$35.00} per month in XXXX, and {$23.00} per month in XXXX. In XXXX, they undercharged me by {$77.00}. ( Please see the attached chart Chart of Incorrect Payments for IBR ) I can provide copies of bank statements to prove my payments upon request. How can I do business with a student loan servicing company that cant even calculate the annual IBR payment correctly? According to Navients website, my current payment is {$220.00}. It should be noted that the 150 % above the poverty level doesnt accurately represent what a persons discretionary income is in the Seattle/metro area, where the cost of living is so much higher than elsewhere in the state. In fact, there is an additional chart called the Wx or Weatherization Chart, which gives a more accurate representation of how much is the actual discretionary income a person in the XXXX area might have. In my case that amount is {$2900.00} for 200 % of poverty or {$3400.00} for 60 % of the mean income. Using those numbers to calculate how much my monthly payment would be, my new payment would be {$110.00} or {$32.00}, depending on which number one used. Either of these numbers would fit my budget much better than {$220.00}, plus fees, which I can not afford. Therefore, I ask that Navient be required to use the Wx Chart when determining monthly payments, because they are more in line when considering the high cost of living in the XXXX area. Harassing and Retaliatory Action In addition, Navient is now engaging in harassing and retaliatory action because I have sought help from Senator XXXX, President Biden and FSA Ombudsman. My XX/XX/XXXX payment is 7 days late. I received two phone calls asking for payment, one at XXXX XXXX and one at XXXX XXXX and I spoke with both callers. In the past, Navient would only call on a past due bill if it was over 30 days and it is against the law for companies to call demanding payment more than once a day. Conclusion In conclusion, I believe the documentation shows that my 11 student loans are Federal loans and not private, as Navient is claiming. I believe that Navient took my loans out of deferment early, in XX/XX/XXXX, and changed the loans from Federal to private at that time. Navient will not respond to my emails within their 2 business day response time. And are arbitrarily adding and subtracting service fees for no apparent reason. When I do speak to Navient representatives, they lie, are hostile and/or are deceptive. From XXXX to XXXX, Navient has not charged correct payments, per the Income Based Repayment Plan. And Navient is engaging in harassing and retaliatory actions, since I have sought help because Navient changed my Federal loans to private. What I am seeking. I believe that changing my Federal loans to a private loans and charging incorrect amounts that were not in line with the Income Based Repayment Plan are illegal practices and violate the conditions of loan ; therefore, I believe the loans should be completely forgiven. In addition, Navient not responding to emails either verbally or a written format, and verbally lying, being hostile and being deceptive when I call to speak to them, makes doing business with Navient impossible. The retaliatory and harassing actions of Navient, because I sought help are also in violation of business practices. In short, Navient has irreparably ruined this business relationship and I demand that Navient forgive all outstanding balances. Thank you for help in this matter. | ||||||
| 10/12/2018 | Yes |
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| My name is XXXX XXXX and I have a complaint against XXXX XXXX XXXX and Navient student loans. I may have a complaint against XXXX XXXX as well, since it appears they are all 3 of five companies that are all the same company and/or interconnected to each other, as I will explain. In the XX/XX/XXXX I was holding at one credit hour to graduate as the university XXXX XXXX had some unethical things. So, I went on a hardship deferment with XXXX XXXX. I followed proper procedure and updated my new address with them, here in XXXX and with Fafsa..gov. Before I had moved I called fafsa to verity my lender or if there were any other lenders that I may have not been aware of, as I was unsure when I would graduate given all that happened at XXXX. However, they told me that there was only one, being XXXX XXXX. I mention this for a reason as you will soon see. So, I did my hardship deferment with them and moved to XXXX Oklahoma, XX/XX/XXXX. Around XX/XX/XXXX, I started receiving calls from XXXX XXXX XXXX informing that they had a loan of mine in default. They told me they were a combination of 3 small loans totaling something over about {$4000.00} which has gone up a bit now because of their charges. I had no idea how tis even occurred. However, they told me I was in default. I asked them who the lender was because I was already on a hardship deferement with XXXX XXXX and was told by fafsa they were my only lender, and they told me it was Navient. So, I contacted fafsa again ( XXXX XXXX ) to verify this information and they told me, yes there were smaller loans from Navient in default. I told the lady that I called them the summer before I moved, to make sure all was well and informed her the information I was given. She just told me to call XXXX XXXX and tell them that there was no prior information given up until now, and ask for a deferment given my situation. I called XXXX XXXX XXXX back and asked about my options, and they told me about a 9-month rehabilitation program in which the payments would be XXXX dollars a month because of my financial situation. They told me if I made all the payments on time that I could request a letter for Title 20 to get back in school and was told after 9 months that my loans would be sent to a new lender. So, recently probably around XX/XX/XXXX they sent my loans out and was out of rehab program. I asked where they sent my loans and they could not tell me, and told me to call fafsa and inquire where my loans were sent. Then I received a letter from XXXX XXXX saying Congratulations on completing your 9 month rehabilitation program. This made me more confused as I was on a hardship deferment with them and currently on a in-school deferment with them, and they hold most of my loan. So, I could not figure out why my main servicer was sending me this because why or if would they sell a smaller amount of my loans to Navient, not telling me, and they knowingly knew I was on a hardship deferment with them at that time. This made no sense, so from researching it appears that XXXX XXXX may be one of the sister companies with them, but being the same. So, how can they do that? This seems deliberate, immoral and unprofessional. However, at that time ( after completing their rehab ), I did call, but fafsa still was only showing Navient and they could not provide information at that time. About a few weeks later I received a letter from XXXX informing they had my loans, so I set up a in-school deferment with them since I had restarted school. Also, when I called fafsa to inquire where the loans from Navient went, I also asked them repeatedly if there were any other smaller loans out there with other lenders, in which I may not be aware of and they told me no. The reason for this was when this all happened with Navient, I was so confused to how and why this happened, when a major portion of loans is held by XXXX XXXX and I was completely caught off guard with what happened, so I wanted to make sure nothing was missed and they told me, that there were only two showing. They told me that there was a way to check online now and to see as well, they were the only two showing at that time, during that phone call. So, I checked, and that appeared to be accurate. Now, about a few weeks ago, a lady called me from XXXX XXXX XXXX and said something about me owing money to them. I told them that I just got out of default and those smaller loans had been sent to XXXX, and I told her that I had called them a couple times to inquire where this was sent and told her that, she needed to check her information as I was dealing with XXXX in which I had a in-school deferment with and she said she would wait to see if their database just had not been updated, and would call me back in a couple weeks. So, just recently a XXXX from XXXX XXXX XXXX called me and said that I owed them money. I told him the same thing that I told the girl. I told him this did not make any sense and inquired more. He told me that they had a loan and the amount owed was about {$1600.00} and I asked who this was with because I had not idea what he was referencing, and he told me it was with the Illinois Student commission. Then he asked me if my address was on XXXX XXXX. I said, You know where I live because I just got out of default and just completed that rehab program with them. Then I asked when was this sent to them and He told me in XX/XX/XXXX and then he switched up and said, It came in of XX/XX/XXXX, but we just got it fairly recently. His story changed. So, I said that I would contact fafsa and asked them what was going on. He told me, that there was no need for me to do that and I should just call that Illinois student commission number he gave, but I called fafsa anyways. I spoken to an agent, on a three way call with Ms. XXXX XXXX and we asked who was the financial company of this commission and she said it was Navient. XXXX then asked, So, the person who sent this to XXXX is Naveint. The representative said yes, it was Navient and she verified the loan servicers was Navient, they just put a different name on it, but still Navient. So, yesterday I called XXXX back again and told them that, this made no sense, since they called me originally back in XX/XX/XXXXand placed me on their rehab program. I told them as well, I knew it was Navient as I talked to fafsa and he did not deny this, after I said it three times because initially he tried to act XXXX, but then acknowledged it. Then he said, well we got this inXX/XX/XXXX, but it just came in. I told him that they called me back in XX/XX/XXXX and told me that they loans they were presenting to me, smaller loans, were what was placed in default by Navient and the rehab program was coving these smaller loans. I told him that XX/XX/XXXX is after XX/XX/XXXX, so they knew this already, the first time they contacted. Why did Navient hold back a smaller portion to only put me back in default? I told him that it did not make any sense. He said, well me technically only received it around XXXX. I told him that even in XX/XX/XXXX, which is still after the initial time he said Navient sent it, and that I was still in their rehab program making payments and became eligible for Title 20 to return to school 6 months after making payments. I asked, why did they not say anything then? Why would Navient hold back a small portion, only to put me back in default, once getting out? Why would they hold 3 smaller loans and sent this to XXXX after being out of default. While they were holding another smaller loan and they presented this AFTER I was out of default, and after the other was sent to XXXX. They had this, before they ever called me in XXXX, per what they have said, so they knew. So, this is deliberate. I would like to request that they are contacted and that if this is something actually owed, as I question this at this point too, being they are so dishonest. But, if true, they need to place this with XXXX because they withheld knowing, per what they have said and they literally waiting, until I was back in school, and I was out of deault, only to put me back in. Given the dates of the event, this was deliberate. Also, I do not understand how XXXX XXXX sent me the, Congrats letter being out of default, when they hold a huge portion of my loans. I was on a hardship deferment with them, they knew my information, and they knew my situation. So, if they are a sister partner with these companies as it appears to be so, given what I have found through research. Then I believe there is liability on XXXX XXXX end as well. Please look into this matter because it does appear there are 5 companies that appear to be interconnected to one another, XXXX XXXX, Navient, and XXXX XXXX XXXX, and two others. This seems like a very twisted and corrupt thing to do. I am a single mother to XXXX children who have special needs and XXXX XXXX knew this. How can people be so evil? Please help me rectify this situation and hold them accountable, for those who are involved in this malice. Also, when placing categories for this claim. They definition was not exact, so I filled in the bubble to the best I could in regard to complaint. However, I am not back in default and I am already back in school, so this is problematic and yes, XXXX told me they can come after any wages and any tax returns. I explained my situation and even after confronting them with knowing they are in the wrong and that they are with Navient, they did nothing to resolve the issue. | ||||||
| 04/05/2018 | Yes |
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| I filed a dispute by phone for all of my Navient student loan accounts listed on XXXX, XXXX, and XXXX on XX/XX/XXXX. After going through my credit report and comparing the information Navient listed with the above agencies to what was listed on my online account with Navient, I notice multiple discrepancies : 1. When I filed my dispute on XX/XX/XXXXNavient was listing wrong dates as well as the wrong original amount borrowed for my student loan accounts listed with the above agencies. On XX/XX/XXXXNavient made corrections to most of the accounts that contained the wrong amount borrowed and the wrong date of disbursement. On XX/XX/XXXX experian emailed me a notice that my dispute was closed and my information was updated. I immediately contacted experian and ask why and how Navient could verify information that was not correct. I was told that XXXX was set up for the creditors and if the creditors verified that the information was correct than no matter what I submitted the information would be listed exactly how the creditor reported. I asked the agent about following the law in accordance with the fair credit report act which states that accounts that have wrong information listed will be deleted. New information by the creditor is only allowed to be placed back on a consumer account after the creditor informs the consumer in writing that the information will be reported to the credit bureau. XXXX never removed the accounts that were improperly reported by Navient and I never received a written notice from Navient that they were updating my loan information in response to my dispute. Based on these two things alone, every loan account updated by Navient in response to my dispute should be permanently removed from my credit bureau accounts. Even with the illegal updates, Navient still listed a couple of my student loan accounts with the wrong amount. A. Attached is a copy of an account overview printed on XX/XX/XXXX from my online Navient account. It can clearly be seen that the total loan amount Navient listed with the above agencies of $ {$390000.00} differs from what is listed on their website in the amount of $ {$360000.00}. I also include a print out showing the total loan amount reported by Navient and listed with XXXX. Please take Notice that the total student loan amount is reported the same with all three credit agencies. 2. Navient duplicated the consolidated loans they listed with the above agencies. A. Navient listed the loans that were consolidated in XX/XX/XXXX with credit agencies as {$270000.00} with the original loan date of XX/XX/XXXX. The original loan date is listed online with Navient as XX/XX/XXXX and, the original amount of the loan is listed as {$45000.00} with a current amount owed of {$130000.00}. This loan was duplicated in error on their website which when added gives a total amount owed of XXXX Please take notice that after reviewing information from the National Federal Loan Database I was able to see that my XXXX loans were consolidated in XX/XX/XXXX in the amount of {$31000.00} and my XXXX loans totaled {$43000.00}. These two loans totaled {$75000.00} and a consolidation of these two loans was completed on XX/XX/XXXX and disbursed on XX/XX/XXXX in the amount of {$91000.00}. I agree that a consolidation took place in XX/XX/XXXXbut I do not agree with nor understand how Navient came up with the consolidation amount of {$91000.00}. I also do not understand why Navient divide the single consolidated loan amount in half and listed it as two individual loans in the amount of {$45000.00} with the same loan disbursement date. OnXX/XX/XXXX I asked these two question to a Navient supervisor. The supervisor explained to me that he saw three loans in the amounts of approximately {$16000.00} from student loan services, {$31000.00} for my XXXX loans, {$43000.00} from my XXXX loans, {$1000.00} for interest and late fees all totaling the consolidated amount of {$91000.00}. I informed him that there was no {$16000.00} loan listed on the National Federal Database and all of my loans prior to XX/XX/XXXXaccording to the National Loan Database totaled {$75000.00}. I asked where the {$16000.00} came from and why the single consolidated loan was divided into two loans. He told me that the {$16000.00} came from a consolidated loan transferred to them but he could not tell me any information regarding the year, school or the original amount of the loan. He also said that he did not know why the single consolidated loan was divided and listed as two separate loans. He assured me that it was no big deal that the loan was divided cause each loan together still totaled the same amount and both loans had the same interest rate. I informed him that even though the loans started out with the same amount and same interest rate, the loans are now showing two different amounts owed. One of the loans is listed at {$130000.00} unpaid principal and the other loan is listed as {$130000.00}. I also pointed out that a single consolidated loan of {$75000.00} would never become {$270000.00}. He agreed and said that he would put in a request to have research done on the questions I asked him about. I expressed to him that I did not trust Navient and I wanted to know exactly how each consolidated loan amount was determined, proof and explanation of how the interest and penalties were calculated to give me current loan amounts and I also asked for the name of the Universities the loans were disbursed to as well as every promissory note bearing my signature. I told him that i should not have to pay for anything they could not produce proof of a signed promissory bearing my signature during a time period I was actually attending school. I also told him that because the amounts were improperly reported to the credit bureaus that they should be immediately removed. 3. The consolidated loans are not only duplicated the total amount is incorrect. A. Please view above explanation. 4. Navient listed loans from XXXX University XXXX XXXX XXXX during a time period I did not attend XXXX University XXXX XXXX XXXX. A. I did not attend XXXX University after XX/XX/XXXX XX/XX/XXXX. Navient has me listed as receiving loans from XXXX University in XX/XX/XXXX. This is seen with the loans that have the wrong date and amount listed as XX/XX/XXXX in the amount of {$7200.00} and XX/XX/XXXXin the amount of {$5100.00}. Please take notice of the attached official transcripts from XXXX University that show my date of attendance. According to my transcripts my last loan disbursed to XXXX University XXXX XXXX XXXX would have been issued in XX/XX/XXXX. 5. Navient closed out all of my loans and refinanced them without my consent or knowledge. A. In XX/XX/XXXXNavient closed all of my student loan accounts and reported to the above credit agencies that the loans were bought out or transferred to another lender. The other lender was Navient and these new student loans were refinanced without my consent or knowledge. Navient 's action also left 14 closed student loans on my account that creditors can view negative reporting for pass payment history. Please see attached credit report as proof of the above statement. 6. Navient Listed loan amounts with the above agencies that I never applied for. A. I never borrowed more than {$5000.00} at one time from a subsidized or unsubsidized loans from XXXX University XXXX XXXX XXXX. Navient is claiming that I borrowed {$10000.00} and {$8500.00} twice once onXX/XX/XXXX and again both amounts on XX/XX/XXXX ; this is completely untrue. I believe they combined two semesters of payments equalling one school year and listed it as coming out at one time on one date. In doing so, they not only reported a large incorrect loan amount, they also duplicated loans by reporting the individual semester loans as well. Not to mention I only did one quarter in XX/XX/XXXX got home sick and didn't return to school until XX/XX/XXXX. Therefore, these amounts would be impossible to reach in XX/XX/XXXX. This is further supported by the fact that on my online Navient account they have the {$10000.00} and {$8500.00} listed as the original amount borrowed on XX/XX/XXXX but they list the unpaid principal amount owed as {$6200.00} for the {$8500.00} loan and the unpaid principal amount of {$8900.00} for the {$10000.00} loan. Keeping in mind that I never paid on these two accounts, how is it possible for the principal amount owed to be lower than the amount borrowed? The answer is that it is not possible. Navient has charged me with a loan amount that I did not authorize. Please take notice of the attached pdfs printed from my online Navient account onXX/XX/XXXX that show the above disbursement amount. In lite of the written and attached evidence, I am requesting that your agency assist me in removing every account Navient has listed with the above credit agencies under my social security number. Navient is liable for knowingly overcharging and falsely charging me with loans that I did not authorized and they have violated my rights in multiple ways in accordance with FCRA. Therefore, I am also asking for help in filig a lawsuit against navient for financial and emotional damages. Reporting incorrect loan amounts has made my debt ratio so high that it made it impossible for me to qualify for a home mortgage loan or a low interest auto loan. What Navient has blatantly done to me is unacceptable and they should be held accountable for their actions. | ||||||
| 04/01/2019 | Yes |
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| Issue # 1 Unauthorized account activity by Navient. Payment options for loan were turned off causing a loss of a .25 % reduction for over 18 months. Federal loans and other loans lost the .25 % reduction benefit to the account. I was told that I would be contacted so this could be addressed and benefit reapplied, yet years later, this has not been addressed even though this is Navient 's fault. Issue # 2 Never received proper information for Income Based Repayment, IDR and forebearances and deferments were marketed to account, so account lost short-term and long-term benefit of the income based repayment. Also, forfeiting months of the forbearance and deferment that has a finite number of months that could have been applied at a later date. Issue # 3 Account did not receive proper notification that the auto-pay was taken off around XXXX and XXXX by Navient causing the .25 % loss of benefit on the loans. Issue # 3 When paying loan, payments are not directed toward the correct loans causing loan to be viewed as delinquent when they are not. Payments are incorrectly directed toward loans that have {$0.00} due and not loans with an amount due, even though payments are clearly labeled to be made to those loans with amount and loan number. Issue # 4 Unable to make payments to account online, banking accounts linked to Navient for years now being asked for verification, no other way to pay online I.e. debit, credit cards making payment options limited and difficult. Banking information previously applied and valid for years are now being asked for verification with no reason. Being asked to provide notice that the account is valid, even though the same account has always been linked to Navient for several, several years. So I am asked to take time to ask bank to provide a letter that says the account is verified without any notice of Navient and no reason given. Issue # 5 Improper account notification when things affect the account causing improper delinquency, no mail or email when Navient mishandled account and turned off auto-pay on accounts around XXXX and XXXX. No notification saying they applied payments to wrong loans causing delinquency. Issue # 6 Improper and negligence actions toward the account, when application for IDR was never applied to the account and told it was sitting in fax machine around XXXX and because of Issue # 4, proper notification never occurred. Department of Education instead extended notification saying account was delinquent. If Navient workers properly handled paperwork and accounts, this mishandling of the account would never happen and it would have not inaccurately showed delinquency and risked adverse reporting to the credit bureaus essentially risking financial health. Issue # 7 Lack of professionalism when calling over years including XXXX, XXXX. Lack of responsibility and ownership in mishandling the account. When called XXXX XXXX XXXX in XX/XX/XXXX and XXXX XXXX answered, when I started to talk she hung up on me. Called back despite requesting auto-call back, which was unsuccessful. After speaking to XXXX XXXX Spoke to supervisor XXXX XXXX on private loan side, after which she was going to transfer me to the Federal loan side and to speak with a supervisor, she said I could ask for one, I explained that I had already been on-hold for several, several minutes each time and on the line for over 43 minutes and asked to be directly routed to a supervisor to which she agreed. I was on hold for a longer time and she disconnected the call. I had been on the phone nearly an hour and she hung up on me. Was told during call the misapplication of the payment could be retroactively applied correctly to the account, but received a less than sincere response that this could be done for the lossed benefit of the auto-pay deduction that was dismissed by Navient costing the account a .25 % deduction for over 18+ months without my authorization, knowledge, consent and notification. Why is Navient quick to retroact on behalf of itself and not the account, when retroaction would benefit the account and it was Navient that caused the issue of the auto-pay being turned off around XXXX and XXXX. Issue # 8 Asked who Navient reports to I was told they report to no one. Asked to speak with someone who would be able to rectify this situation, they said there is not a specific department or anyone I could speak to about this and transfered me to supervisors.??? See Issue # 6, that's probably why they hung up on me, because they do not want to deal with these issues Navient has caused on the account. Issue # 9 Asked who Navient reports to I was told they report to no one. Asked to speak with someone who would be able to rectify this situation, they said there is not a specific department or anyone I could speak to about this and transfered me to supervisors.??? See Issue # 6, that's probably why they hung up on me, because they do not want to deal with these issues Navient has caused on the account. XX/XX/XXXX Income based repayment plan, recertified. XXXX XXXX a supervisor. However, I actually recertified several months prior in XX/XX/XXXX. Received information from Student Higher Education that I was late saying I missed 3 payments. Was not supposed to be in repayment anyway risked negative credit reporting. Received zero contact from Navient in writing nor email nor call. Asked for documentation that it would not affect my credit never received any mail to date. Actually, received a pre-dated document saying I authorized a forbearance, which I did not authorize. Navient is acting as fraudulent vipers who make up things regarding loans to benefit its bottom line. Additionally, on previous calls they said forbearance was only option and did not tell me about the income based repayment form. When I finally learned of this option and sent in a form it was improperly handled and never processed when it was handled because of a slight difference in the form. Navient said it sent a denial, but this is untrue an one was never received nor any call, email, mail saying that. I was told the form was an expired form. I received and downloaded a new form. Also, on the form I used the expiration date of the form listed was much later. Old form had 12 pages, new form had 10 pages and the information was exactly the same by DOE. They said the old 12 page form expired in beginning of XXXX. The form that I submitted had an expiry date of XX/XX/XXXX, and thats the unexpired form I submitted. Both forms are the same. All they had to do was transfer my information on the new form. Additionally, the XXXX pages of the form that they actually use has the same information. While explaining this and speaking with XXXX, I hear laughing in the background. XXXX escalated case manager, Employee Code XXXX. Who told me they have to use the new application or a newer application. Why was my application not considered a newer applications which is what I had submitted? This makes no sense. Navient changes the rules as it sees fit. If I had not called in then, they would have wrongfully marked my file as late, because it was just 7 days away from being reported to the credit bureaus! This is negligent! Want the additional credits retroactively applied to account. I would like to have the IDR plan applied for months that I was pushed the forbearance and deferment and reclaim the months of forbearance and deferment lost on the account. I did not receive a letter saying the income payment was denied, I did not receive a call, I did not receive any email. I did not receive any correspondence from Navient! I did not receive any correspondence saying I was in repayment. The only notification I received was from Department of Higher Education. Additionally, the auto-debit was cancelled without my permission. How is auto-debit cancelled for one group of loans and not the other? Auto-pay was terminated on XX/XX/XXXX for the account for one group of loans, but not for the other. Who is accessing the account making these unauthorized changes. Never received any information about who turned off my auto-pay, who did that?! Payment wasnt processed from the account. Navient, unauthorized a previous payment due. Navient never processed IDR for XXXX and XXXX in a timely manner. They left paperwork sitting at a fax machine, never processed payment and then in XXXX they failed to process the application because it was out of date and never informed me. They never sent any email notifications about my income based repayment. I never took off the auto-pay, and I should have been and should be getting the .25 % reductions on the account for over the past 18+ months. I would like a back-date of all the interest that was charged on the account. The .25 % interest that I was charged needs to be refunded to the account, because I was never informed that the payment was over 18 months of extra interest coming on the account. Please refund the additional 18+ months of not benefiting of the additional .25 % reduction to the account. On XX/XX/XXXX Spoke to XXXX XXXX who said she could apply the amount due back on the correct loans ( Signature Student loans ) and said she asked supervisor XXXX XXXX who said nothing could be done. Spoke to XXXX and expressed all issues listed here including 4-9 which I also recently dealt with. Thank you. | ||||||
| 11/30/2018 | Yes |
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| To Whom It May Concern : My account with Navient is XXXX. After recently pulling my credit report with the hopes of getting back on track with my finances and goals. I discovered that Navient had 10 loans listed on my credit report which are incorrect and in breach of contract. In the past, I inquired with Navient regarding the loan amounts and was never given answers. I also recently went back to my original promissory notes which I have saved in storage throughout all these years and to my surprise I discovered that I never signed a promissory note for a lot of the loans accounts you have listed. There were different amounts/loans listed on the promissory note so I further investigated. After further researching and obtaining a complete breakdown of all my schools bills/financial aide it was then discovered that Navient combined loans and you do not have promissory notes for these new combined loans thus making the loans in breach of contract and invalid. On XX/XX/XXXX, a loan in the Amount of {$5000.00} was dispersed to XXXX XXXX University. This loan was combined with a loan taken out on XX/XX/XXXX in the Amount of {$5000.00} with a school refund dispersed back to Sallie Mae in the Amount of {$1200.00} making the new combined Loan with Sallie Mae/Navient listed with a dispersement date of XX/XX/XXXX ( XXXX ) in the amount of {$8700.00}. The interest accumulated on this loan now makes it a total of {$15000.00}. This is in breach of contract as they are two separate loans taken on two different dates almost 5 months apart. This debt is not valid as I did not agree or sign for this amount and this was verified by my promissory notes during that time frame. XXXX XXXX University was not dispersed {$8700.00} on XX/XX/XXXX on my behalf. Combining the Loan has caused interest to accumulate at a greater rate/cost versus the amount of interest that would have accumulated had these two loans not been combined. Creating a new loan by combining these two balances thus invalidates this debt as a promissory note is good for the life of the loan and can not be altered unless the consumer to whom the debt belongs signs a new promissory note agreeing to this which I did not. On XX/XX/XXXX two separate loans were taken out in the amount of {$1500.00} each both dispersed to XXXX XXXX University on XX/XX/XXXX in the amount of {$1500.00} each as two separate promissory notes were signed. Navient AGAIN combined both loans and listed the date of dispersement as XX/XX/XXXX ( XXXX ) which is incorrect. This is in breach of contract AGAIN as they are two separate loans taken out months after the date to which you have listed on the account. This debt is not valid as I did not agree or sign for this combined amount and this amount was not dispersed on XX/XX/XXXX. The interest accumulated on this loan now makes it a total of {$5200.00}. I did not sign a promissory note or agree to the combined loan amount Navient has listed. On XX/XX/XXXX, a loan in the amount {$4800.00} was dispersed to XXXX XXXX University and on XX/XX/XXXX another loan was dispersed to the XXXX XXXX University in the amount of {$4800.00}. Navient yet AGAIN combined both loans taken out almost 3 months apart thus making the new total {$9600.00}. The interest accumulated on this loan now makes it a total of {$20000.00}. This is in breach of contract AGAIN as they are two separate loans with 2 separate promissory notes taken out on two different dates almost 3 months apart. Navient listed the date as XX/XX/XXXX ( XXXX ) as origination for the amount of {$9600.00}. This debt is not valid as I did not agree or sign for this and this amount of {$9600.00} was not dispersed to XXXX XXXX University on XX/XX/XXXX. I did not sign a promissory note for this amount. These were two separate loans with two separate promissory notes. On XX/XX/XXXX, two separate loans were dispersed to XXXX XXXX University In the amount of {$1500.00} each. These two loans were AGAIN combined for a total of {$3000.00} ( XXXX ) despite two separate promissory notes being signed as there were 2 separate applications for these loans. The interest accumulated on this loan now makes it a total of {$5200.00}. This is in breach of contract AGAIN as they are two separate loans taken out in two different amounts. I did not sign a promissory note or agree to the combined loan amount Navient has listed. Also, I have made several PRINICIPAL ONLY payments towards the loan listed with an original amount of {$8300.00} ( XXXX ) before these loans were in repayment, Sallie Mae/Navient to my surprise applied none of these payments towards this amount instead Sallie Mae/Navient applied it towards future interest/current interest and also towards my federal loans which have since been consolidated with another company. This led to no reduction in my principal despite me specifying principal payment only on my checks. The interest accumulated on this loan now makes it a total of {$18000.00}. This loan would be significantly less had Salie Mae/Navient applied my payment correctly. The Loan with the original amount of {$12000.00} ( XXXX ) was also supposed to be paid in full and still has an outstanding balance of {$900.00} despite me making payments to have it applied to PRINCIPAL ONLY yet again. Payments made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, were broken up with over {$10000.00} being applied to interest despite my checks specifying principal only and despite me calling in again specifying principle only. It was also noticed that after making significant payments that interest was capitalized in very high amounts to offset the payments made thereby keeping the consumer in debt. Also Navient has listed that on XX/XX/XXXX, that they dispersed {$11000.00}, however {$4100.00} was dispersed and that loan was paid in full on XX/XX/XXXX, right after XXXX XXXX rejected {$7700.00} back to Sallie Mae, Sallie Mae/Navient began to capitalize interest almost immediately in the amount of {$3800.00} and {$3.00}, XXXX, yet again to offset the balance that was returned to Sallie Mae by XXXX XXXX thereby keeping the consumer in debt. Sallie Mae then turned around on XX/XX/XXXX after the loan was paid in full on XX/XX/XXXX and capitalized interest in the amount of {$5000.00} again to offset the amount paid so that the consumer remains in debt. As a result the balance of the loans changes at minimum. Also several of the loans that you have listed as dispersed on XX/XX/XXXX, XX/XX/XXXX ( listed twice for 2 different amounts ), XX/XX/XXXX are incorrect. I am now in the process of gathering the records from my federal student loan consolidation to see if you sent this amount over to the consolidation company as it is off and increased by thousands of dollars to which Sallie Mae collected money on loan amounts that were incorrect and invalid. It should be noted that when I spoke with XXXX XXXX XXXX to whom you have assigned to collect these debts Navient went and fraudulently changed all of my Account history online to cover up there wrong doings. Please see the uploaded documentation printed prior to my conversation with XXXX and then after my conversation with XXXX. I verbalized to XXXX XXXX the practices that Navient and Sallie Mae has been engaging in and that I never signed promissory notes for these combined loans and also pointed out that your records dont match my school records or promissory notes at which point Navient changed their records. However, it was already noted as I have several copies of print outs from different dates that show Navient Blatantly altered their records and removed all record of all capitalized interest and payments that I questioned. To say that these practices are predatory and also illegal is an understatement. It is against the law to combine loan amounts WITHOUT the consent of the consumer via a Promissory note to whom the obligation to repay a debt belongs too. I did not agree for these loans to be combined or consolidated. I did not agree for payments made for principal only to be applied towards future capitalized interest. This has resulted in thousands of dollars in interest that has been accumulating at a much higher rate due to the amount of the loan Navient has listed vs the amount of interest that should have ACTUALLY been accumulating at the lower original amount if Navient would not have breached the contract for each of these separate loans. This has also resulted in increased principal despite payments made and incorrect loan amounts listed vs what was actually borrowed. Each year hopeful and vulnerable students who are desperate to get an education come to Navient/SallieMae with aspirations to Achieve. We students never achieve to be taken advantage of by predatory illegal lending practices. I sent over email requests to the advocate at navient, customer service, also mailed in my documents over a month ago, they still have not sent me my promissory notes so that I can prove they do not match. Even if they are investigating I have sent them majority of my documentation proving their fraud, they should provide me with the promissory notes they claim to have while they are investigating. They do not exist. I have asked that they respond in 30 days with these documents and they still remain outstanding. | ||||||
| 02/27/2022 | Yes |
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| My problem is with Navient, XXXX University and XXXX combined. I write this from my hospital bed after receiving days of XXXX and XXXX for my XXXX condition thats went away in XXXX and that has currently come back on XX/XX/XXXX. It is a condition and disease that can be activated by anything and be reaccuring if born with which is what it is in my case. Its a deadly condition. Since these corporations masked as educational systems and financial systems are great at requesting money for years from student like myself who didnt graduate college in there senior years of the due XXXX and XXXX recession im pretty sure they can XXXX XXXX or use the science. I attended what was my dream school XXXX University in XXXX as the first in my family to Ever go away to school. My grandmother XXXX XXXX who died in XXXX co-signed on XXXX loans for me with a retired income she of XXXX a year.. of corse I could not have achieved getting a loan on my own because I simply had no credit history but, I had every hope and dream to graduate college one day to make enough to actually pay these loans back but when the recession hit not only did my mom loose her job XXXX but, I applied for a loan .. received a fully financialy cleared letter from XXXX University, got on a plane, went to classes and alll while I know a lot of XXXX XXXX students like myself first time going away are not as educated on loans and how companies change loans .. will created aggregated loan limits on co-signers ( expecially during the recession ) but they will also more than exceed giving out loans. Nevertheless, in late XXXX after sitting in classes beyond the financial deadline period I contacted my financial aid office actually for something else and was told I needed to come into the office for something they had to communicate with me in person.. I was informed that we do not know if the funds were taken back but you will have to come up with XXXX to finish the semester I immediately began to cry because Im a junior/senior, recession hit, mom lost her job same week, and where on earth was a student getting XXXX overnight.. they then said since you were already in classes beyond the deadline period you can stay like a favor was being done.. I questioned them about the fully cleared letter and received different answers each time I cried on the floor in lobby that day for maybe 10 min straight until I saw another girl walk out said yeah its happening to a couple of us .. my roommate then hugged me and we went back to the apartment. I called XXXX and they gave me different papers with different dates saying we never sent funds, one rep said we sent and canceled because your co-signer has exceeded the limit .. One said we changed the loan due to recession.. I got different answers for years and you know no one cares about a young XXXX woman trying to graduate during a crisis.. so you can guess. I went home without a degree in XXXX, locked credits due to a owed bill while also student loans rolling in again yall do the math on the financial gap ratio and the burden placed on me with no degree to get a job to pay for both.. on my grandmothers death bed I promised her Id graduate I began working 50 hours to 60 hours to more a week in retail to try an pay XXXX ( left over bill ), rent, loans ..etc .. my grandmother on her small retired check also helped me. We gave what we had .. finally in XXXX my grandmother contacted the school and confronted them.. over night if someone goes an do the math .. a grant was added to the bill and the remainder was gone ..and my credits given.. i dont know how but this is the truth. I then slaved away working more to pay the loans on a non degree with useless credits in retail to go to XXXX college in XXXX with again my grandmother telling me she will see my graduate before she dies. During this time my health already began decreasing which if you need a record of hospitalization huh Ill gladly provide.. also I still was working crazy hours paying XXXX then Navient ( the loan buyer and trader ). Finally I received some forbarence after XXXX and Navient beautifully but me debt while enrolled in XXXX. I worked nights and weekends and paid for school in cash .. it took me until XXXX to graduate with a ba why because 1. XXXX University credits werent all recognized so I toook More classes.. even changed majors to help speed the process up and still had to start as a sophomore basically at XXXX in XXXX I was diagnosed with XXXX and hospitalized and had to take a break from school and could really work 60 hours from a hospital bed .. told that I could not stress my body .. XXXX, XXXX, XXXX. During that time I received harassing calls from XXXX yes from the hospital bed pull the old calls if you must ( recorded line ) they told me you only qualify for repayment programso yes while still getting XXXX outside of the hospital finially the same year I went back to working 50 + hours, back to school after taking a little break, paying for school at XXXX and paying that repayment program .. imagine the load on someone who can die from a trigger of stress alone but in XXXX I graduated XXXX during what was another recession while stlll stuck in retail and without my grandmother getting to see it since she died in XXXX. The loans I have been faced with for a degree from XXXX I dont have Navient XXXX XXXX XXXX XXXX XXXX XXXX. All totaling XXXX at least.. I havent owned not even a car or my own home yet or anything at XXXX living at my grandmothers and then at my moms.. once the pandemic got loans were for forbarenced brief for private loans and in that time I began looking for jobs I got a job finally all the way in florida for making 24 hourly still working so many hours ( 60 at least, ) to pay rent and Navient, and XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) without any degree from XXXX, I noticed during the holidays my health was off but I continued slaving because the XXXX of loans from a school you didnt graduate from can drive one sick regardless I was paying and getting no sleep. I then knew I didnt want to die a XXXX so I finally got a normal 40 hour a week job to get me in the door to start a real professional career at a starting pay but my health was already too far gone as I rushed to the emergency room on XX/XX/XXXX a day before my birthday while working my dream job at home.. I was XXXX XXXX XXXX XXXX.. XXXX XXXX XXXX XXXX XXXX and feeling horrible.. my XXXX came back aggressively. I dont remember the XXXX as I received XXXX XXXX XXXX after my XXXX dropped to a 4 and at that point the brain cant really function.. Ive been hospitalized twice since and sit in a bed at XXXX XXXX XXXXXXXX right now as again I type this. Ive tried my best to Graduate, to work, to pay on loans from XXXX University from a school I considered my heart and soul and attained no degree from.. I started from the bottom at XXXX got a degree.. attained a job and tried to pay XXXX XXXX XXXX and Navient and rent too the point that my lease is up XX/XX/XXXX because at XXXX I cant afford to pay student loans and rent and deal with a disease that I throat would never come back I even called to ask if I qualify for elimination and was boldly toldNo because your loans never defaulted its been truly a nightmare because they destroyed my credit I slaved to repair it and I have No degree from XXXXforced to find somewhere else to live from my hospital bed .. yet if I let them default I wont even be able to get an apartment with bad credit. The financial system knows this .. XXXX, Navient XXXX XXXXXXXX XXXX XXXXXXXX XXXX finiscial aid, XXXX XXXX XXXX are fully aware that Ive been sick, that I dont have a degree, that this occurred during the XXXX recession, that I cant even really afford to live without working 70 hours a week to pay all of them .. they actually crunch the numbers an say it but still request money from me I sit in my hospital bed and look at XXXX of debt from a school that was my dream.. I struggled from XXXX to XXXX to get a degree from a totally different school been through 2 recession and a pandemic someone please go do the investigation.. or Maybe we can all go to court from my hospital bed? At this point Ive lost so much in life as the first XXXX woman in my family to attend school away.. to think had Id graduated sooner life would have been different hat someone helped the students of the recession of XXXX or if not received a fully cleared letter without ever the truth being told about how it was even possible but yet I sit here in my hospital bed facing XXXX XXXX triggered by what was stressmaybe if someone does a real investigation the truth will be as plane as day but what I wont do again is chooses student loan bill over XXXX. I wont choose living over it. I shouldnt be paying on loans from XXXX due to a recession, financial crisis, loans taking out based on a co-signer who made XXXX a year, and being told I was fully cleared the year of the recession then magically told I wasnt past the deadline period and forced to pay a bill at XXXX until a magical grant appeared in XXXX when I didnt attend? I dont mind going to court because This alone is destroying me | ||||||
| 05/18/2017 | Yes |
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| Yes ( hi ), On XX/XX/XXXX , I re ceived a phone call from a company identifying themselves as XXXX XXXX XXXX on behalf of Naviant. The party shared that I needed to establish a student loan payment plan, for which I was surprised was not coming off my debit card directly. Then, I realized that my student loan payments may have been somehow suspended for one of two reasons I had n't realized : ( 1 ) in XX/XX/XXXX , when I was released from duties as a XXXX for 'not being the right fit ', following several months of note-worthy job performance ( never being sited for any form of dereliction of duty, nor in any way deviating from the expectation -- in fact, I 'd been praised in my efforts to implement various XXXX and XXXX XXXX XXXX XXXX , and having my team reach their production quotas, etc. ) ; or ( 2 ) i n XX/XX/XXXX , when I was hired by a scammer using a ( real ) company as a front to run some type of XXXX scam - - they 'd XXXX XXXX me to separate {$4800.00} cashier 's checks, days after hire, informing me that I was required to purchase computer equipment and software from their trusted, long-time vendors, then utilize the remainder of the funds for office expenses, as required. ( BUT SINCE I 'd worked in the XXXX and XXXX XXXX XXXX of a XXXX in the past, I " knew '' it was not protocol to have a new employee, unvetted, purchase any type of equipment, let alone, receive checks to purchase one 's own equipment -- a reputable company would purchase the equipment themselves then have it delivered to the home office -- as they 'd indicated the new offices were being renovated, thus I had to work at a remote location for the next 2 to 3 m onths ... ). So, I DID NOT follow through with their heinous scheme, but rather telephoned XXXX , the FBI and local police to report their act and receive instruction. Since I 'd prov ided my banking information, in order to have payroll deduction, the police told me to have all my cards changed, so I did. Because of the the devastation in going weeks having lost a job I 'd done nothing against policy to loose, receiving absolutely no income from unemployment benefits yet, as it could not begin until late XX/XX/XXXX , ( a nd no relief funding from public aid either ), having cancelled interviews wit h two other companies due to the " fake '' hiring ( one at the 2nd-round level ), now burning the night oil in order to find " something '' suitable so that I could feed my children, try to keep my lights, water and gas on, help my XXXX and XXXX son out financially, who were headed back to college, try to find a repair shop to estimate repairs on my SUV ( since the {$1800.00} repairs I 'd paid cash for the previous year did not " fix '' my car 's issue in the slightest -- I having later been informed by XXXX that it appeared the repair shop placed the original parts back on my car, however charging me {$890.00} for those parts ) so I could get my youngest son back to XXXX in XX/XX/XXXX ... I got hired on at XXXX , as a XXXX XXXX , in a neighboring town, just after receipt of my second unemployment check, so after having recei ved only 2 payments ( and having to utilize 100 % of that to play catch-up on those debts which had occurred over the summer and early fall ), those benefits ended and I was now on hold for a paycheck for another 2 weeks, after 2 more weeks of working at XXXX , that assignment ended, so I had to wait for a decision on yet another filed request for unemployment benefits. But during that time, a job offer for a job XXXX m iles south of XXXX ( in XXXX ) came in. I shared that my car was n't working properly, with the recruiters, but they pleaded that I consider taking the job, telling me that it would probably turn into full time. Figuring that I could file my taxes so that the refund could go to repair my SUV, I conceded to take the part-time temporary job in XXXX , deciding to close out my small retirement account ( less than {$2000.00} ) in order to rent a car for that duration, until my tax return came back. Long story short, because so much was going on, I totally was n't even aware my student loan was n't coming out automatically ; given the stress of trying to survive XX/XX/XXXX , it ( and I believe perhaps a couple subscriptions ) had n't crossed my mind that the residually-scheduled payments were 'not ' being made. I did receive shut-off notices in writing from DP & L to let me know that the auto-payment could not be made. I did not, however, receive any mailed, emailed, nor telephoned notices warning me that my student loan had not been paid for that duration of time, had I have known, I would have been relieved to have been notified, to re-establish payment arrangements. I finally received a call on XX/XX/XXXX , around XXXX XXXX letting me know I 'd been behind for several months and that a new payment plan would have to be established, and " oh, yea, by the way, we 're keeping your tax return you 've filed! '' I was dumbfounded ; you have months to alert me in writing, or by telephone, but call me " after '' I filed my tax return to tell me you have filed paperwork to deny me my tax return of over {$6500.00} because I owe roughly {$200.00} in back payments? When the new administration held up tax returns for another month, I could n't afford to continue to rent the rental week in and week out, so I emailed my boss, requesting consideration to decrease the number of days I was working ( but increase the hours ) ; she was so busy, and I never saw her, that despite send ing 2 emails and a voicemail, she did n't reply to me ... Because of the lengthy hold on the tax return, then the ( almost calculated ) call from the student loan collectors telling me that they 've confiscate d my tax return -- parallel to the time-frame the new administration held up tax returns ..., unable to carry the rental for another month, and having my HUD rental rate sky-rocket since the new income did n't take into account my renting a vehicle, and since my food stamps for my kids and I, were stopping due to the temporary part-time job out-of-town, I was being left with less than {$100.00} per week to take care of my family and the expenses, so I was forced to quit my job and look for one closer to home. ( I took he job in XXXX because I anticipated it potentially turning full-time, and the Ohio Unemployment Benefits rule book say that if you are offered a job and turn it down, it could be deemed an attempt to thwart the system, thus making one ineligible for continued benefits while job searching continued for something local -- I 'd sought guidance from an Unemployment Benefits associate who said it was my call, I 'd have to weigh the pros and cons ... ) I certainly would have shared my situation with Naviant 's collectors, had I been granted knowledge of the state of my student loan prior to the call informin g me of the confiscation. So, in the end, XXXX XXXX XXXX set up payment arrangements with me, and took all my tax return, so I 'm broke, and desperately looking for a job. My degree is in XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) but, despite interviewing, I have yet to be offered a job. I do n't know if it has to do with the slightly new bias of class/racial climate, but if it does, I understand that and hold no remorse -- it is what it is, but it is terribly affecting my ability to lead a lifestyle where my children and I can know any form of security -- and there are hundreds of jobs open and available in my field ; and although I am not a " risk '', but rather an asset, none of those companies have extended invitation to interview, nor any offers. Because of all the harassment of the student loan collection efforts, even FOLLOWING their confiscating my tax return, rather than contacting me last year ( their having done so seemingly well orchestrated with that unscheduled delay that took place ), I have been so under pressure while looking for a job, that I have stopped answering my phone ( probably missing out on interview opportunities ), because when I answer my telephone they say " this is a recorded line ''. I feel uncomfortable not addressing them, but considering they did n't even inform me before taking all my tax return, it really feels like I 'm now just being picked on. I have always been a productive member of society. I do n't give that agency permission to record me on some recorded line ; they took the only means for which I could fix my car in order to work, in which case ( once I learned of the matter, had I been informed the correct way ), I would have been more than happy to have begun amicable payments, as faithfully in the past. Even now, I am wondering why they are calling me, since they have confiscated my funds and have established minimal payments. I feel as though I 'm caught up in a whirlwind of harassment, like they cut opened a wound and wo n't stop sticking a fork in it, now that they 've gotten the chunk of flesh out ; and it 's hurting, so I try my best to ignore it. | ||||||
| 09/23/2018 | Yes |
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| Navient failed to apply or allocate payments to my accounts and Navient repeatedly misapplied payments without correcting them. Navient continues to process my payments incorrectly ; In XXXX of XXXX, I started receiving late payment charges on my account. Navient is charging a late fee on just one of my loans, because the original signing date, for that loan was the XXXX of every month and I was not paying until the XXXX, which is my scheduled IBR date of pay. The other Three loans signing date are the XXXX of every month, and yet there is no late fee. Thus, my XXXX IBR date was too late, the representative stated that when they get my monthly payment that they do not disburse the amount evenly to cover all loans. Navient still has that late charge on that one loan and Navient representative XXXX XXXX stated, just ignore it and that it wont hurt my credit score. I am concerned that Navients past practice of automatically reporting to the credit agencies, without notifying me will happen again. Navient deceived me, as a borrower, about requirements to release my co-signer from my loans ; Navient has fraudulently advertised their release of co-signer qualifications. Their policy states, which I have taken off their website, in addition to many different representatives stating to me over the phone, that as long as 12 consecutive, on-time payments are made, ( which I have fulfilled ) the co-signer may be released. However, after filling out the form, in XXXX of XXXX, with required income verification, I was denied release of my co-signer, stating I did not meet their requirements because of late payments. ( I am enrolled in their automatic- debit program and funds have been released in a timely manner, in which my payment history reflects. ) In addition, when I questioned my alleged late payments, Representative XXXX XXXX, stated in a letter that, As of the date of this response, you have not satisfied the 12 consecutive, on-time payments of principal and interest requirement. Please note that because your Term and Rate Modification Program ( TRMP ) enrollment was completed in XX/XX/XXXX, the first payment which could be used to qualify for cosigner release was due in XX/XX/XXXX. Your loans were delinquent during the three-month TRMP qualifying period, and any payments made between XXXX and XX/XX/XXXX would not be qualifying payments. TRMP enrollment requires borrowers to schedule recurring monthly payments over the phone. Unlike Auto Pay, which extracts monthly on your due date, recurring payments scheduled over the phone extract on the date of the borrowers choosing. This means that the payment may be scheduled after your due date. We have confirmed that the recurring payments were scheduled for the XXXX of each month based on your request. I find many things wrong with Mr. XXXX response. First, in XXXX of XXXX, over the phone, I was enrolled in Navients IBR program. Although depending on the representative you speak to, some call it ICR or IDR. I was told the lowest payment they could accept was $ XXXX, and the representative set it up for that day the XXXX. In addition, we also set up auto pay to ensure I would not be late on payments, and my enrollment was complete. Since then {$220.00} has been taken from my account every month, and on time. Thus, I have never heard of this TRMP program, or have been delinquent with my account. I was never told of any three-month qualifying period? Nor have I ever been told to make any monthly phone calls??? Lastly, the representative chose the XXXX, because thats the date I called and never said anything about coinciding payments with due dates. When I called Representative XXXX, to discuss this letter, he told me, in a phone conversation, to re-apply in XXXX for cosigner release. I asked if he could just re-use what I have already sent before. He stated no I would have to re-apply all over again and insinuated I should be approved. I did re-apply on XX/XX/XXXX and on XX/XX/XXXX, when I sent an email to representative XXXX questioning many practices and the status of my co-signer release, I received a letter on XXXX, XXXX, dated for the XXXX, that I was denied release because of insufficient income, portion of loan balances to loan amounts too high, amount owed on accounts too high, serious delinquency, public record, collection on file. Thus, my credit worthiness. Hence, it is my belief that Navient has deceived me about requirements to release my co-signer. Therefore, I have met all of Navients requirements that they ask of me and believe my co-signer should be released. Navient is negligent in its handling of mine and my co-signers credit worthiness ; Because Navient has failed to allocate funds to the necessary loan our credit worthiness has been negatively affected. Upon questioning Navients untimely reporting to the agencies. Navients solution was to simply place a footnote on our credit reports stating that the borrower disputes the action of Navient. The footnote also incorrectly states that the dispute has been resolved. With that, there was never an adjustment to our scores. Navient representatives always have a different excuse for their justification on their actions. Anytime there is a misunderstanding or confusion with Navient the automatic negative reporting policy is never corrected with the agencies. Navient creates obstacles for repayment by providing bad information ; I am very concerned that I was not notified of my new monthly payments, after my yearly IBR evaluation. I did everything on my part that Navient ask for, to recalculate my payments. I e-signed my financial statement form and sent it on XX/XX/XXXX. However, I never received notification of the new amounts, or determination of why my payments are increased. Thus, I checked my Navient account and seen the higher payments due, with no explanation why. Then, I checked my Navient sent documents, file, to see if my IBR information was there and it always reads were sorry, we were unable to retrieve documents you have sent to Navient for your student loan account. Please try again later. I then checked my sent emails, through Navient esign, where the information was accepted and it states, Document was deleted. I knew it was time for my yearly recalculation and provided the information requested but, now the information is irretrievable or is deleted and I received no determination! In addition, since Navient believes, from their XX/XX/XXXX communication, that my income is insufficient then why have my payments gone from {$220.00}, in XXXX of XXXX, to {$320.00} in XXXX of XXXX, to {$360.00} in XXXX of XXXX? I surely must requalify for IBR payments but, Navient is deficient in processing my renewal application. Navient is extremely hard to communicate with! Communication with this company is most times impossible! It takes entirely too long to reach a representative by phone. 100 % of the time, when you do get through, you speak with a different person each time, leaving any previous discussions made useless and a waste of time. Thus, you state your business all over again only to find out that you have the wrong department and get transferred more than once at times. I feel as though my conversations get nowhere and I end up just walking away without solution most times. The representatives speak in terms and circles that make it hard to understand and cause more confusion than solution for me. I have given up trying to call for answers. I should also note that on more than one occasion, I have been asked, in a demanding tone, if someone else is listening in on our conversation. They are very suspicious in tone. Each time, their information is different and creates more obstacles than answers. Its a mystery why communication with Navient is so confusing and frustrating yet, should you want to make a payment, it takes, two mouse clicks, three seconds and you never have to wait? In addition to lack of communication, Navients monthly payment statements and correspondences are extremely difficult, if not impossible to understand. My co-signer was a senior financial analyst for twenty years and currently his own business. Thus, his knowledge of finance is above average and he finds Navients statements to be extremely difficult or even impossible to comprehend. Navient fails to act when I complain ; It took filing a complaint with the XXXX, this summer, to get a timely response about my co-signer release from Navient. In addition, as of this date XX/XX/XXXX I still have not heard anything about my new, yearly IBR program, and I Applied on XX/XX/XXXX and asked for a determination on XX/XX/XXXX and still have had no response. I question if I am receiving fair monthly payments or maybe overpaying for my student loans ; Even if Navients calculating is correct, which I question, there is something unethical about my current principal balance being {$3000.00} more than the total amount of my original principal balance after making nine years of monthly payments totaling {$16000.00}? | ||||||
| 08/12/2019 | Yes |
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| We started this journey in XXXX, with the hopes of an education and a bright future. Now over 20 years later we are deeper and further in debt than when we left our school, and there is no end in sight. There has been precedence set in the mishandling of loans and deceptive practices from the schools these loans originated. In XX/XX/XXXX, Sallie Mae, the countrys largest student lender, agreed to pay {$2.00} XXXX to settle allegations of inappropriate anti-competitive relationships with colleges brought by New York State Attorney General XXXX XXXX. The claims mention such practices as revenue sharing and preferred lender list. The schools would get monies from SallieMae/Navient by having more and more students accept loans from them. The larger the loans and the more loans, the more money the school would receive. One of the colleges specifically mentioned in the case was XXXX University. This was also brought to the forefront in early XX/XX/XXXX, Attorney General XXXX ( Pennsylvania ) sued Navient for deceptive practices. Within the lawsuit XXXX University is one of the schools that is explicitly named. The claims states Navient continued to increase the amount of subprime loans offered, which increased the overall amount of loans they had. However, to get more legitimate loans, the company became a preferred lender at many schools. To become a preferred lender Sallie Mae agreed to pay schools for the amounts and number of loans they sent their way. XXXX XXXX was the associate director of Financial Aid for XXXX at the time, and he is on record in numerous documents stating how schools cant choose the federal servicer of student loans, but for private loans Sallie Mae is clearly the largest provider of private loans. This continued practice of being a preferred loan provider provided incentive for these schools to provide students with the opportunity and need to take out more and more loans. This practice encourages higher tuitions, and making getting degrees more and more difficult, so you may have to re-enroll or even take more loans to complete your degree. My husband and I both attended XXXX University prior to XXXX. My husband attended XXXX XXXX and I attended for my XXXX in XXXX XXXX. Both degrees were high in expense to earn, but even more important was the deceptive practices by the school and Sallie Mae to show you your entire degree could be paid for with loans, and even books and living expenses. Sallie Mae had the habit of loaning monies to students well beyond the cost of tuition and books. XXXX never gave you any other option for borrowing money, except for SallieMae. You had no choice, or at least were not made aware of other choices. To make matters worse the two degrees we tried to achieve were riddled with deceit and encouraged taking out more monies than needed for tuition. Lets start with the XXXX of XXXX XXXX. Even though I passed every class with As and was near the top of my class XXXX would not give me my degree, unless I quit my job, took out more loans to live from, and XXXX XXXX. XXXX XXXX is experience, and not something that should be part of an education requirement for the degree. To make someone quit their job, and take more loans, especially when they are rewarded for such by SallieMae, is a deceitful practice riddled with conflict of interests. This deceit and conflict of interest was even more brazen in the XXXX XXXX. My husband was accepted and during his first year of school it was told to the students the school required them to cut the bottom 10 % of students every year. This means 30-40 % of your class would never graduate with a degree even if you have more than good grades. For instance, the lowest grade to continue on every year is a 2.975, but it was not based on scores, but rather you were graded against the tests of the other students. In other words, it was up to the XXXX to determine who was better than others, instead of letting the grades and facts determine who continues. The worst part of it, was they said the bottom 10 % would be able to reapply and come back the following year for school. This practice seems to have been encouraged by the bonus money and rewards provided by SallieMae to encourage the XXXX XXXX to cut 10 % of the students so they would reapply and take out more loans. Again, this is a deceitful practice and conflict of interest, encouraged by the pursuit of monies given by Sallie Mae as incentive to make students, and find ways to get students to take more loans out from SallieMae. In XX/XX/XXXX, the CFPB filed a lawsuit against SallieMae/Navient. One of the main claims is obscuring information consumers needed to maintain their lower payments : Borrowers who successfully enroll in an income-driven repayment plan need to recertify their income and family size annually. But Navients emails and annual renewal notice sent to borrowers failed to adequately inform them of critical deadlines or the consequences if they failed to act. Navient also obscured its renewal notices in emails sent to borrowers that did not adequately alert them about the need to renew. Many borrowers did not renew their enrollment on time, and they lost their affordable monthly payments. This would have caused their monthly payments to jump by hundreds or even thousands of dollars. When that happens, accrued interest is added to the borrowers principal balance, and these borrowers may have lost other protections, including interest subsidies and progress toward loan forgiveness. The CFPB case, is just one perfect example of the many examples how our loan has been mishandled from the beginning. In the early part of our loan repayments we would request an income-based loan repayment program. The program would last for a couple to three years without any notices or indications it would go up. Then we would receive a new bill with the increased payment amount. We would call and SallieMae would be glad to lower our rates as long as we provided indication of income, which was always just a verbal amount ( more on this later ). The issue is it would count against us and would raise interest, payments and more because we did not call in right away. This would always happen when the income repayment period would end. That was just one mishandling. The second is the 20 year repayment then forgiveness plan. Not until a couple years ago when I called to find out how much longer we have until the remainder of the loans will be forgiven, they mentioned we never enrolled in the plan. This plan was never told we had to enroll to take advantage of it. They said we could enroll now, which means when we are 60+ years old we would be done paying. That means we would have paid interest for over 40 years on our loans, because no one advised of the requirements for the plan. Again, the way they hide and withhold information is not in the best interest of the accountholder, but rather what is in the best interest of big business. The third way SallieMae/Navient mishandle accounts is to let you repay whatever you want without explaining how it will affect your length or terms of repayment. They also dont advise you of how much will go to principal or interest. They also do not verify income when asking for an income repayment program. Our payments were going up again, and we called to have them stay the same at the very least. The lady asked how much we made, never verified with documentation, she said she could take us down even lower than our payments were previously. We got our first bill looked and determined our monies are going to interest except for pennies every third month, which goes to the principal. To this day Navient, just like SallieMae, does no advising and is not looking out for the accountholders. I am not asking for any restitution or something unfair. My husband and I have paid at least what we originally owed, or even over what we originally owed, and still have no idea how long or when the payments will end. The way Navient has us setup and making payments means we will pay until we die. I am asking the remainder of our loans be forgiven at this point, as if the 20 year period had taken affect. The deceit and mishandling by XXXX University. The Preferred lender program by SallieMae with XXXX University created an environment of double standards in which it was beneficial to prevent giving degrees and encouraging more and more loans be granted above and beyond the tuition amounts. The mishandling, and appropriation of the account, including through the repayment program provided this year is in no way beneficial to the accountholder, and the fact the 20 year forgiveness program had to be enrolled to take advantage was never explained is just one more way SallieMae/Navient wish to keep lenders in debt and never repay the loan, but rather continue to just pay interest. Precedent has been established in all the cases listed above, and are the same errors and deceptive practices used on my loans. | ||||||
| 04/16/2018 | Yes |
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Web | |
| My school wasn't listed, it closed about 2 years after I went. It was called XXXX XXXX XXXX - XXXX ( XXXX ). It was a 10- month XXXX program for XXXX. Sallie Mae was the original lender of the {$12000.00} NO FEDERAL BACKING, Private, paid directly to the facility, " Career Training Loan '' in XX/XX/XXXX. The interest was 7.25 %. My mom was my cosigner. Even though I was successful in the program, obtaining NC State licensure, and finding my first job. I was not successful in finding XXXX work after I was laid off. I diligently tried to keep current with Sallie Mae and my growing list of creditors. I was made calls to keep them informed that I was trying, begging them to work with me. They wouldn't. In the 8 years, ( 96 months ), I tried paying this loan down, I was late 15 times. And even though I had requested to have payments go toward my principal first, I was always told I was still making up the interest gathered for the first 13 months of the loan when I was making interest only payments. From XX/XX/XXXX - XX/XX/XXXX only {$0.00} of the {$860.00} paid, had been applied to the principal. Over the next 8 years, I kept sinking into debt and back then 29.99 % interest was the hurdle you could never get over. I failed too, like so many people did. I began the process of filing ChXXXX Bankruptcy. In XX/XX/XXXX, my ChXXXX Bankruptcy was finalized leaving me with my 7 year old vehicle as my only debt because I needed to have transport to get to work. All other debts were discharged. Sallie Mae marked the account as Closed, the balance was zeroed out and a remark of ChXXXX Bankruptcy was reported to credit agencies. From XX/XX/XXXX - XX/XX/XXXX, I had been awarded : {$12000.00} and had paid {$13000.00} in principal, interest, and fees. However, at the time of purchase, Sallie Mae showed I still owed {$8700.00}. {$3800.00} of principal paid. However, the online record history shows {$4800.00} was paid toward principal. XX/XX/XXXX, ChXXXX filed not finalized until XX/XX/XXXX. In XX/XX/XXXX Capitalized interest was applied to the account and removed the same day. XX/XX/XXXX, acct was discharged and closed, however a late fee was reported then removed after I called Sallie Mae and was referred to Navient. I was told it was a mis-key and would be removed, which it was. I was ignorant of so many things at XXXX, I never asked why I was even discussing the account with a brand new company ... they never informed either. XX/XX/XXXX, Navient called my mom and let her know as the co-signer, the loan was now her responsibility. The representative was very rude, basically informed her she could either pay the loan down or other actions could be taken ; liens/garnishments/bankruptcy. When my mom became upset, she was told I was the only one she should be angry with. That I put her in this situation. Needless to say, my mom called me afterward. I called Navient and wasn't given a total on the loan. I was told the electronic bill would post by the middle of the month. I requested paper billing, they denied since I already had electronic billing set up. I requested information through the mail again because they were a different company. Again, they said the statement would be available online by the middle of the month. I was never informed they were/were n't a division of Sallie Mae, a collections agency. Navient never advised me to seek legal advice for verbage I didn't understand and was mocked when I asked what forebearance/deferments we're and how they effect the principal and longevity if the loan and/or any implications doing either may have. But, until recently I was willing to make payments to prove to my mom I wouldn't let her down. Also, after the ChXXXX, I thought it would show diligence and responsibility in reestablishing my credit. I continued to make over the minimum payment with calls to apply toward principal first before I'd go online to pay. Navient never informed me I needed to mail in payments with instructions on a separate piece of paper monthly if I wanted to do that. After some time of being on time with payments, I started playing around with how much I sent to them and asking what kind of math they were using to come to their figures because there was so much fluctuation in the percentage gap between the interest and principal. I was even making payments when the amount due was XXXX. When I asked about that, I was told it was because I had been so responsible in making timely payments, they were being deferred. Which I know now, was not good. I had never requested deferments and I was making sufficient monthly payments in a timely manner. So, from XX/XX/XXXX, a month after discharge from Sallie Mae, to XX/XX/XXXX I have been paying. However, I went to make a payment online the other night and saw a new loan arrangement letter and my principal had jumped from around {$2200.00} to {$3400.00}. The new loan said that since my account had been deferred, at my request, ( which it had not been ) and had carried a forebearance and was restructured from 7.5 % to 8.25 % variable with a 36 month schedule of {$110.00} payments ( {$4000.00} ). They listed 8 different reasons why the terms changed ; including deferment/Forebearance expired or the interest only payments period of time had expired, which was true ... when the loan was 13-months old and Sallie Mae had originated it. I figured out what Navient was doing, they would defer payments and apply Administrative Forebearance when I was close to being paid off so they could capitalize the interest and just keep this loan rotating. Even though I was not requesting anything by this time and they're reporting me as a good-standing debtor! I'll bet they love me ... it took me too long to figure out what they've been doing. I was denied FAFSA for XXXX XXXX, I liquidated my checking, savings, and sold my car and my husband took out loans against our home and his home his parent 's reside in so I could get through XXXX XXXX OUT OF POCKET! Navient shows the origin of this loan in XXXX, when it originated through Sallie Mae, so my credit suffers by having a 15 year old outstanding private, career training loan on it! I also have medical debts in collections because I've been trying to pay off Navient and I've had to help paying down the 2 outstanding home loans my husband so generously took out so I could have a lucrative career. I've been a XXXX XXXX for 3 years now and we're still trying to crawl out of the hole! My ChXXXX will drop off in another 2 years and I'm still paying this debt that was marked discharged, closed, XXXX by the original lender. I've never been informed Navient had me in collections via co-signer. They report as an open Career Training Loan to XXXX and XXXX, not as a in collections. How is this legal? How is this happening?? From XX/XX/XXXX after Navient bullied and terrified my mom to XX/XX/XXXX I've paid : {$5400.00} in principal and an additional : {$2800.00} in interest and fees for a total of : {$8300.00} Adding that to what I listed above for principal, interest, and fees for Sallie Mae I've paid : {$21000.00}. 180 months/15 years! This loan has been a nightmare, to say the least! They do not have our interests in mind ... much less our best interests ... they manipulate our percentages, numbers, time tables, emotions with scare tactics and fraudulent accounting for their bottom line. I can't be a cash cow for them anymore, I'm worth more than that, but I'm so discouraged with how my life has turned out. I really thought I'd get a fresh start after ChXXXX, I've come a long way with money management but, I'm depressed and at a loss. I do not know what I'm going to do about Navient. The new loan due date is XX/XX/XXXX. I am afraid if I even call them about it, I'm bonded as accepting it. But, 36 more months? My ChXXXX will have dropped off for a year by the time that thing is done. I was XXXX when my mom co-signed the Sallie Mae loan, I turned XXXX last month. I've not been able to contribute to my retirement benefits as much as I should be at this age because I've been getting milked by Navient since a month after the discharge. Not to mention putting off education advancement in XXXX. I can't go back to school for my XXXX until I can get Federal Aid or another education loan, which I won't be able to get because this 15 year old Career Training Loan is a huge red flag for education AND scholarship/grant lenders. And until my husband 's home loans are paid, we don't have the means to pay for further education, home repairs, etc. Navient has really done a number on me. I'm just hoping I'm able to get rid of them, recover enough to have a decent life in retirement and not be looking back on my ruined life because I enrolled in a 10-month training program! I'm at a loss, I've been devastated since I printed out their new loan arrangements. Please know what I can do ... I need some hope!! | ||||||
| 10/31/2017 | Yes |
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Web | |
| Student loans transferred from one company to the next to the next. I am attempting to Validate loans via Navient as I have attempted to clear this matter since XX/XX/XXXX. It appears that the amount is increasing during each transfer. I am sending this request now because I am disputing the validity of the amount and am requesting validation. Attempt # 1 I sent the first letter dated XXXX XXXX To Whom It May Concern : This letter is regarding account # # # # # # # # # # #, which you claim I owe $ $ $ $ $ $ . This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to Navient. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company-Navient, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. In the absence of any such documentation bearing my signature, I formally request that this information is immediately deleted from the credit file filed under my Social Security number. I do not consent to any means of automated verification. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. Attempt # 2 XXXX XXXX as a reply based on document received without a valid signature To Whom It May Concern : This letter is in response to your recent claim regarding account # # # # # # # # #, which you claim I owe $ $ $ $ $ $ $ to NAVIENT. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay NAVIENT the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Attempt # 3 dated XXXX XXXX with a Cease and Desist phone call notice To Whom It May Concern : This letter is being sent to you as a Dispute to the letters I received from you dated XXXX XXXX and XXXX, XXXX, in the amount of $ $ $ $ $ $ . Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. The purpose of this document is to notify you that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you/Navient. Please provide me with the following : What the money you say I owe is for. Explain and show me how you calculated what you say I owe. Provide me with copies of any papers that show I agreed to pay you/Navient what you say I owe. Please attach a copy of any signed agreement debtor has made or other verifiable proof that debtor has a contractual obligation to pay Navient. Please attach a copy of any agreement that bears the signature of the debtor, wherein he/she agreed to pay Navient. In the absence of any such documentation bearing my signature, I formally request that this information is immediately deleted from the credit file filed under my Social Security number xxxxxxxxx. I do not consent to any means of automated verification. Now, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, I will not hesitate in bringing legal action against you for the following : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist calls to xxx-xxx-xxxx and xxx-xxx-xxxx in relation to the alleged account. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office. Civil and criminal claims will be pursued. If your office provides validation with proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must CEASE AND DESIST. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalid. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. Do not call my relatives or my friends. If your offices attempt telephone communication with me, including but not limited to computer generated calls, or calls to third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter through the USPS. It would be advisable that you assure that your records are in order. This is an attempt to correct your records. Any information obtained may be used for that purpose. Since I have been unsuccessful in getting any results from Navient I 've decided to seek additional assistance in this matter. | ||||||
| 03/15/2019 | Yes |
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Web | Servicemember |
| I am an XXXX Veteran, I was lied to that my Tuition Assistance would have take care of my education. Now I am stuck with this debt. The XXXX XXXX XXXX pressured me into a high expensive private loan ( 6 % ) telling me once my TA will come in that it would pay it off. He also encouraged me to apply for XXXX XXXX, which I never received any of that. I had never used my TA before with the XXXX and I didnt know how it worked. I didnt think the Staff Member would have lied to me and I believed this was true. Once the school started I was unable to request TA because it needed to be approved before I started and the Admissions started me quickly. XXXX XXXX College had high-pressured sales tactics to get students to enroll and remained enrolled. It is proven that XXXX XXXX also deceived and misled students about financial aid options, salary rates after graduation, the transfer of credits, and career placement assistance. I knew I didnt want to stop my education after career point. One of the most important things I asked was if my credits were going to be transferred to other schools so I can continue my education. They assured me that they were all transferable and later found out that no school took my credits to continue my education. After I finished the program there was another 100 % guarantee that there would be job placement. What this meant was me showing up and looking for jobs on their computers. No one guiding me through where to look. I had no experience just the XXXX XXXX diploma. I finally found a job that wasnt in my program. I was lied to and now I was left with a big loan that TA was supposed to take care of. My personal life is still being affect by these student loans I am unable to pay for. I have defaulted on them numerous of time because I am unable to pay the loan of {$19000.00} back. In XXXX, XXXX XXXX was on local TV news, lamenting the demise of XXXX XXXX, which operated campuses in XXXX XXXX and XXXX, Texas, and XXXX, Oklahoma. Faced with findings by the XXXX Department of Education that XXXX XXXX had engaged in financial aid fraud and mismanagement, and with lawsuits filed by a growing number of his former students, XXXX told an interviewer, None of my salesmen have ever been accused of lying to students. Student loans underwater Tuition and fees for XXXX XXXX 's medical assistant certificate program totaled {$19000.00}, according to financial aid documentation in the lawsuit. The interest rate for a roughly {$5900.00} in subsidized loans and {$4600.00} in subsidized loans was described to be 4 percent each. The bulk of the degree would stem from a XXXX XXXX estimated to be more than {$8800.00}. If the total loan package was {$10000.00} and the repayment term was 120 months, which is the standard, the student would pay {$13000.00} over 10 years. But each of the students said they owe {$21000.00} to {$30000.00} in loans, but didn't specify the interest rate. The entry-level salary for XXXX XXXX in the XXXX XXXX XXXX area is only {$21000.00}, according to the Texas Workforce Commission. For experienced workers, the average pay in the local region is {$32000.00}. Federal funds not accounted for The U.S. Department of Education confirmed that XXXX XXXX College has not paid credit balances for graduated students, which total {$420000.00} and that the school has not returned {>= $1,000,000} of XXXX XXXX program funds wired to the school for students who had withdrawn from the college. After XXXX XXXX reported employee mismanagement, the federal agency changed the way it distributed funds to the college from a method that enabled the school to get payments in advance for students to a reimbursement process. In addition, it enacted more monitoring of the college 's financial accounts related to student funds. XXXX XXXX was offered the option to obtain a {$10.00} million letter of credit from a financial institution, or 25 percent of the federal funds it received, which would have enabled it to continue operating under stricter supervision. The company 's XXXX XXXX campus annual revenue was roughly {$20.00} million, but it had a profit margin of less than {$3.00} million each year, according to self-reported state records. The student attorneys in the first case are seeking a temporary restraining order and temporary injunction to stop the school from altering existing documents, transferring money out of the business beyond ordinary transactions and moving assets. Students missing money The students ' attorney XXXX XXXX, at XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX asserted that XXXX XXXX employees did not inform students that the college must release funds to students obtained through the XXXX XXXX programs, whether it was grants or loans. Beyond that, some students claimed the funds allotted to them were missing. " Certain plaintiffs never received a penny of their XXXX XXXX and XXXX XXXX 's use of these funds remains unknown, '' XXXX said in the court documents. " XXXX XXXX even went so far as to charge its own students for appointments with the financial aid office, taking further advantage of their students ' limited financial resources. '' XXXX & XXXX The attorneys allege that even after reporting its own employees misconduct to the U.S. Department of Education, the school continued to enroll new students up until XX/XX/XXXX. " The defendants ' actions are deceptive, fraudulent and were clearly designed to keep the money flowing, '' XXXX argued. " XXXX XXXX promised its students a bright future. Instead it breached its contract with plaintiffs, leaving a dark cloud over their future. '' Furthermore, the attorney claims that XXXX XXXX did not alert Texas authorities that it had been added to the U.S. Department of Education 's heightened cash monitoring list, such as the Texas XXXX XXXX XXXX XXXX. A former XXXX XXXX admissions employee, XXXX XXXX, complained to Texas authorities in XXXX that she was laid off after four and a half years after she raised concerns about misconduct at the school. ( XXXX provided me with a copy of the complaint that same year. ) Among the bad behavior XXXX alleged in her written complaint to the Texas Workforce Commission : that the school would input grades that did not exist to ensure the student had enough credits to validate collecting more money ; that XXXX XXXX is aware of the Federal Financial Aid Fraud that has taken place in the form of Admissions Reps. instructing students to electronically sign Parent Plus Loans for parents who would not sign ; that Fraudulent Tax Advisor Id Numbers were being used by Admissions to get students through the Federal Financial Aid process when they did not have the adequate documentation ; and that the school allowed enrolling mentally ill students who do not have support groups and whom Admissions had them randomly acquire numbers from phone books to get them through Financial Aid ( FA ) since the Financial Aid form has to have six support group numbers listed. XXXX complaint further claimed, In Admissions, we were trained about the sales practice of making a friend to get the students to trust us and then we were supposed to make them feel the pain of how lousy their lives were so that we could then get them to think XXXX XXXX could save them. We were trained that good sales reps. could make the prospective students cry. We were trained that once we broke them down, we could build them back up with the concept that we were there to change their meaningless lives .... If a student came in and completed FA but decided that they wanted to go home to think about it, team leads would be called to do their hard sales pitch. If they were not successful, the prospective student was then taken to the Director of Admissions to be even pressured further. The tactic of making them feel worthless was reiterated until they signed up for school. This was done to mentally ill prospects as well. The XXXX complaint also alleged that the school concealed the felony convictions of new students to ensure their eligibility for financial aid. When one graduate complained to the school that she then couldnt get the job she sought because her felony conviction was deemed disqualifying, and then learned that a school official had apparently forged her signature on documents, she filed a police report. According to XXXX XXXX complaint, the school then covered that students loans in exchange for her dropping the charge. XXXX further claimed that XXXX XXXX hired its own graduates on campus to increase reported job placement rates ; but, As soon as those students are accounted for as being placed, they are laid off. | ||||||
| 08/12/2017 | Yes |
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Web | Servicemember |
| The complaint i have is below but i have a different complain i need to type first. I spent almost 45 minutes typing on your page, not because it was long, it was somewhat, but mostly because i was taking the time to verify what i was typing. You page is specifically set up to make people lose their work. Your page gave me a popup that said : Still there? For security, we log you out if you 're inactive too long and had two buttons, one said yes keep working, the other said log out now. I clicked the one that says keep working, and the page then resets, i lost EVERYthing i was typing, your page is specifically set up to interrupt people while they work and give them two options, BOTH of which will result in losing their work. PLEASE FIX YOUR page, I helped pay for it- people should n't have to CLICK anything when they ARE OBVIOUSLY TYPING. For whatever record it matters for, the tech details are irrelevant- this is n't a problem with my browser, it 's not malware, this is a fresh install of XXXX, this was your web page, i looked at some of the code- your page is set up to do this. I can see how this kind of problem would make any percentage of people just give up, not that this particular problem is there to make that happen. THE SAME THING happens to people when they are trying to fill out the Defense to Repayment when the school steals tens of thousands of dollars from taxpayers and then tries to stick part of it to the student, I helped pay for that web page too. A web programmer would have to work hard to leave that kind of silliness in a web page, and there so far are TWO government agencies with this problem, both of which ive tried to fill forms out with, both of which interrupt your typing to make sure you are there and then clear the form. Luckily I was copying text that time, but it didnt matter since months later you had no record of me sending it, the next one got through. *** *** I sent a complaint last year ( XXXX ). Your response did n't address any of my complaints, it seemed to be various information about electronic signatures, but i was n't asking about that. And then you closed the complaint without asking me if it was resolved. I realize you have a lot of work, but I would like to have this complaint addressed in a realistic way- this company has stolen tens of thousands from the US govt, and fraudulently signed me up for loans. After telling her that I couldnt afford to go to this school, the XXXX recruiter rep said that after the GI bill and government grants, there would BE no loans. I was shocked that I could go to this school at no charge. I signed up soon after that ( XX/XX/XXXX I think ). In hindsight, it was the worst decision ive ever made. I didnt sign up for loans through itt, at least not as far as I was led to believe. Ive said this in about every way that I know of, and so far it doesnt seem to matter. A few days after classes started, they interrupted a class to tell me that a mistake was made and I would have to pay them hundreds per month for most of the year to keep going. Hey, mistakes happen, at least thats what I thought at the time. I worked overtime while going full time to pay them their money for most of the year. FT school and OT work, thats really hard, even when the school isnt teaching you much and not delivering on their commitments. They didnt deliver anything close to what they promised- we spent many weeks learning how to turn a computer in and off, how to install programs, very basic troubleshooting. Well look, a school has to start somewhere, all of the students needs to be starting on the same page, understandable. But at some point I lost patience, I complained at first to the school, who always had a variation of the same response, the program ( XXXX XXXX, XXXX at the time ) is new, we are working hard to make improvements, please be patient. Fair enough, for awhile. After 6 months or so it became clear that complaints to the school werent going to help, I started sending letters to the VA, the DOE and others. Eventually it became equally cleat that there was no help there either- every one of my letters was simply ignored. This was probably 8 months into the first year, I was working overtime to pay them their money, I wasnt learning much at school, but we still had a lot to do- I still had a ton of homework, so I was constantly busy, but I started calling the DOE, VA and others, all of them said the same thing- they were sorry but they werent able to take a complaint against a school- I would need to use the schools complaint system to complain, or withdrawal. That system I knew from experience was rigged. Some of the students quit along the way- I fact quite a few of them. We started with 50 people, by the bitter end we only had around 10. All of us talked about options- class action ( impossible because of the contract ), quitting, etc.. Most of us that were left decided by that point we were almost halfway through and the best option seemed to stick it out for the rest of the time, get a degree and just be through with it. A few weeks after grad I started getting bills for close to $ 20k. As far as I was told, I didnt have any loans at all, in fact I worked my XXXX off while going full time to avoid taking one of their private loans out even. But now it seems another mistake was made, and I owe XXXX XXXX a lot of money. For years they were fine with me using forbearance. I never knew about IBR- I happened to read about it a few years ago- they never mentioned the IBR to me, and I had called to ask them what my options were several times, not once was there an option to use a payment plan that bills you according to your wages. After reading about it, I tried to ask about it several times- they said that was an option but I would have to show proof of wages and there was a lot of paperwork to fill out. They seemed to discourage it, but both times I talked to them I pressed- I wasnt able to get them to send me what I needed- each time they told me a list of requirements and they would say I need documentation showing my wages, I say I dont have any- Ive been unemployed, and the would just repeat the same thing, you need to show proof of wages But I dont have proof, I am unemployed, Im sorry but you will have to show proof of your income and they just kept repeating the same thing. Anyway, here is part of the current problem- at some point in XX/XX/XXXX they apparently consolidated my loans- I do remember them asking me, in fact whenever I called in they would ask me to consolidate. Here is what I knew at the time- I knew I dont know anything about consolidating. I knew that everyone says you need to avoid consolidating until youve taken the time to understand the options. I knew that XXXX XXXX will say things in a way that makes a bad option look good, and I knew that they would sometimes use the fact that they have thick accents to confuse a situation. So I was very clear every time- thank you but no I dont want to consolidate yet. A few years ago I started seeing that in the paperwork they sent was the word consolidated. And since then ive heard theyve made the same mistake with lots of people. I dont know if it has anything to do with the fact that consolidating loans dissolves any requirement for them to have a valid SIGNED MPN on file. The only MPN they have now is the one generated when they consolidated the loans, And according to all of the info I can find, its not even a valid MPN because they dont have the original, not all of the info is in the MPN, and its not signed by me : 1. Everywhere I look, a MPN isnt valid unless they have the original in their possession. The one they sent me looks like a copy of a copy and its not complete. 2. Also an MPN has to have all of the info filled in and it has to be complete. But the date is cut off, they tell me the date is XX/XX/XXXX, but thats not on the mpn. 3. Also I read that an MPN has to be signed. Apparently an electronic signature must be ok, but I dont agree- what is the point of a signature then? I believe they forced the consolidation because they knew it would dismiss any requirement for them to have the original ( questionable ) MPN on file. I have no plans on paying for something I never agreed to, to get something that was never delivered. **I am challenging the authenticity and validity of the MPN. The one they have is not valid and I would like these fraudulent loans to be dismissed, without any requirement on my part to pay taxes on the money they stole from the government. I respectfully request the other points in this complaint addressed in a realistic way** | ||||||
| 02/13/2018 | Yes |
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Web | Older American |
| In light of your current suit against Navient, I would like to lodge a complaint against them as well in the handling of the loans XXXX XXXX arranged with XXXX XXXX in behave of my son, who attended from XX/XX/XXXX - XX/XX/XXXX ; ( D-6a, D-6b, D-6c ) but was unable to finish a program and graduate with a degree. He was given the option to change his program in order to continue at XXXX and to receive additional funds. We are also in the process of applying for a Borrower Defense against Repayment claim with the Department of Education against XXXX XXXX for our federal loans. However, since my son was not attending XXXX XXXX in XX/XX/XXXX when they closed, we may not be able to be approved. And, of course, our two private loans will not even be considered. Therefore, we are appealing to the CFPB to have Navient ( who issued loan for students attending XXXX XXXX ; and XXXX recently closed due to fraudulent practices as well ) dissolve these loans based on the findings similar to the CFPB suit with Navient as mentioned in their statement dated XX/XX/XXXX : " XXXX XXXX created obstacles to repayment by providing bad information, processing payments incorrectly, and failing to act when borrowers complained. Through shortcuts and deception, the company also illegally cheated many struggling borrowers out of their rights to lower repayments, which caused them to pay much more than they had to for their loans. '' The private loans were called XXXX XXXX loans from XXXX XXXX who supposedly supplied the " federal '' loans. XXXX XXXX never called them private loans at the time of our first meeting ; rather with a co-signer these larger loans could supplement the federal loans our son qualified for on his own. Also XXXX XXXX had us sign as co-signers for these XXXX XXXX loans before we were ever offered a XXXX XXXX loan. ( D-1, D-3, D-4 ) This is an obvious case of predatory lending between XXXX XXXX and Navient. The dates and amounts for the two private loans ( and the Parent Plus loan ) are as follows : Loan Date Original Loan Amount Outstanding principal XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( actual disbursement XXXX ) XXXX XX/XX/XXXX XXXX ( actual disbursement XXXX ) XXXX XXXX We can corroborate each allegation of the aforementioned suit because of 10+ years of personal dealings with Navient and their servicing of our federal and private loans. " Fails to correctly apply or allocate borrower payments to their accounts : '' XXXX XXXX used XXXX XXXX ( now Navient ) in obtaining financial aid for their students. In our first meeting with XXXX XXXX to help our son get enrolled ( XX/XX/XXXX ), as parents, our signatures were obtained for his financial aid, but paperwork was not given with the type of loans, amounts, or distribution dates. As paperwork arrived through the mail, it was misleading and confusing. Each loan was reported separately, with different payments and due dates. When a payment was made we had no idea how it was being applied. Even later, when Navient emerged, and we were able to pull up our accounts online, it was still very disorganized. The amount due was a combination of the loan 's next payment, past due payment and late fees ; but we soon learned not to hit that button and, instead, individually select each loan. By XX/XX/XXXX their website became a little more user friendly in obtaining loan information and making individual loan payments. But by then, I was making payments on just three loans : ( D-A ) two private loans with parent cosigners and a XXXX XXXX loan in my name only. The 15 federal loans went into default. " Steers struggling borrowers toward paying more than they have to on loans : '' Private loans come from lenders like XXXX XXXX XXXX rather than federal sponsored loans. The lender can apply their interest rates and payment requirements ; and are not eligible for the same repayment programs of federal loans such as income-based loan repayment. Depending on information taken over the phone for a Financial Statement of income and debts, the only avenues for private loans are : Rate reduction - reducing the interest rate if you qualify ; Extend repayment plan that lowers payments but increases the number of years you have to pay ; and Interest only payments for 24 - 48 months. These payment plans don't seem to help the borrower actually pay off any principal, but rather perpetuate the loan allowing Navient to collect interest longer from it. Navient sets the interest rates and what type of loan they are with these private loans. My husband co-signed on one and I co-signed on one. Both were called College Advantage loans, but his loan would be eligible for the Rate Reduction and Extend payment programs and my loan was only eligible for the Rate Reduction and Interest Only Payment programs. When I called to ask about these plans it was interesting that they would not allow me to give any information about my son 's income to try and qualify for a repayment plan, but insisted on talking to him first because I was not the holder of the loan ; but as a co-signer they would allow me to place the loans into forbearance without talking to him first. They require financial statements from the student as well as the co-signers. Knowing that my son 's income balance minus expenses was only {$40.00}, I asked if we could eliminate his income ( and the need to have him call ) and base things off of mine alone since I was the one making any payments for the last four years. She went to check with a supervisor when our line got disconnected. Since she had called me in an attempt to collect the debt, I knew she had my phone number, but of course, made no effort to call me back. Also for the last 4-6 years I have been told that my Parent Plus loan was a private loan, and was never offered income based repayment options. Not until XX/XX/XXXX when we decided to look into the charges against Navient did we review the paperwork and found my application for the Federal PLUS Loan and Master Promissory Note. ( D-4 ) " Obscured information consumers needed to maintain their lower payments : '' In-school deferment was the worst benefit given to a student, especially with loans ranging from 5-9 %. Initially, our son had 3 loans that took several phone calls to get all of the loans into in-school deferment. As the amount of loans increased so did the number of phone calls. Every time a call was made, a different loan agent answered ; each with different instructions as to what could be done. And when you finally thought all was taken care off, a late payment would show up on a loan that had not been included. Complaining accomplished nothing because it was always someone else 's mistake. During the time our son was attending XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) and later XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) he had in-school deferments. He also had a hard-ship forbearance ( XX/XX/XXXX-XX/XX/XXXX ) when he was unemployed. When he went back to work he tried the Interest only payments for 12 months. The income-based options were written on their quarterly statements, but never offered as a solution for our situations, even when we still had federal loans we were paying on. That is not until we stopped making payments last fall. After four months of receiving 8+ automated phone calls every day of the week, I returned the call to one that actually left a message. She asked about my income and bills, but since it left no money to make a payment, she suggested forbearance again. The forbearance offered lasted two months on my XXXX XXXX loan, and only one month for the two private loans. And since I had signed for one and my husband signed for one, we both had to make phone calls to request the forbearance. Needless to say, the phone calls are beginning again. " Harmed the credit of XXXX borrowers, including XXXX XXXX veterans : '' We are not XXXX or veterans, however, through emotional, mental and health issues my son defaulted on his federal loans. Consequently, it has been impossible for him to be approved for any major purchase like a house ; and just recently he entered a program from a car dealership that is offered to those with poor credit where they can shut off his car if payments are not made. As co-signers for the private loans, we have had to make his payments to protect our credit. Now we are at the point in our lives where we are on fixed retirement incomes and a small part-time job making it difficult to continue paying for our son 's school loan payments. Attached Documents are indicated as : ( D-1, etc. ) | ||||||
| 03/08/2022 | Yes |
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| Hello- I don't know if I am doing the right thing by messaging you here. I don't know if you can actually help. I don't know if I will ever hear back from someone. And if I do hear back, will that person just tell me that there is nothing they can do or will they just tell me to contact someone else? I suppose that I'll find out. Simply said, I can not pay my private student loans with Navient. When I was working towards my XXXX and my XXXX, I took out loans with Navient because it was easy money to get. I was already maxed out on the amount of money I could take out from the federal government and getting private school loans was the only option I had to not just pay for my courses but also to get money for a living allowance. I have over {$200000.00} in federal student aid loans and over {$10000.00} in two private loans taken out from Navient. With regards to my federal loans, I have 2 consolidations, both done on XX/XX/XXXX. The federal loans were used to help my parents and myself pay for my XXXX tuition ( I graduated the XXXX University XXXX XXXX ( XXXX ) in XXXX ) and also for my XXXX XXXX XXXX ( I have an XXXX and then a XXXX XXXX XXXX XXXX which was just given to me during the course of working towards my Ph.D. ). The current principal for the 1st federal student loan is {$85000.00}. The current principal for the 2nd federal student loan is {$130000.00}. Together, the two loans equal {$220000.00}. The purpose behind the private loans from Navient was to help me complete my XXXX I needed this degree so that I could become a XXXX XXXX ( the only thing I ever wanted to do ). However, I failed out of the program due to politics within the program. I did very well in all of my coursework and even had much of my dissertation already completed ( which was unusual ). I even had an unofficial chairperson who was one of the professors in the program. He told me that he would make sure that I was granted my XXXX but I had to pass my comprehensive exams. I ended up failing those exams twice and was kicked out of the program. The first private student aid loan from Navient was taken out for {$8700.00}. That loan was disbursed on XX/XX/XXXX. The current balance on that loan is {$7000.00}. The second Navient loan was disbursed on XX/XX/XXXX. The disbursement amount was {$8000.00}. The current balance on that loan is {$6200.00}. Together they come to {$13000.00}. Together with my federal loans, I have {$230000.00}. I am XXXX XXXX XXXX and I am currently living with my mother. The federal student loans have been in non-payment status ( I believe forever )- I don't believe I have ever made a payment on those loans and I have never been in default on them either. For the private loans, when I took them out, I needed my mother to cosign for them. So her name is on those loans and even though I have been able to make some payments over the years, my poor mother has been the person who has made the vast majority of those payments. She is XXXX XXXX XXXX and retirement is not in her future. I am certainly not helping her and that has really hurt me over the years. My father passed away 3 years ago on my birthday. For the last decade, due to unknown problems, I have not had a stable career. I have currently been unemployed for almost a year however I believe I will be able to start XXXX again shortly which should bring in some money. I have been so depressed over money. About 8 years ago, I declared bankruptcy which did away with my personal debt but my college debt was untouched. I first moved to XXXX and then with my parents down to XXXX XXXX, XXXX XXXX. I wanted to spend time with them and to take care of them. And I don't regret doing that - unfortunately, that has not created much of a life for me. But I was able to help them. However, down here, anywhere around here, there are NO jobs. I used to work at XXXX. I was the most educated person working in the plumbing section and that's all I could find work for. I was able to XXXX XXXX for a while but after my dad died, the thought of driving 3 hours every XXXX XXXX XXXX XXXX became unbearable. So I finished the term and stopped doing that because it was just too much of a drive for me. And that's all there is " around '' here. Why should it be a decision? Either I take care of my mom or I move to somewhere which has a job better than {$13.00} an hour? The purpose of this message and the crust of my complaint is with Navient. There is no way that I nor my mother will ever be able to pay off Navient. And it's wrong that they gave me this money, especially for a program that I was kicked out of ( due to no fault of my own but because of politics within the program which never should have been there ). Additionally, I have so much federal student loan debt. When I filed for bankruptcy, I was told by my attorney that the judge would never approve dismissing my federal student loans or my private loans. As with my private loans, there is no way I am ever going to be able to pay that money back either. And in all honesty, I should have never been able to borrow so much money. I take responsibility for that. But, with regards to my private loans, Navient preyed on me and I then begged my mother and begged and begged her to become a cosigner on those loans. And as the good mother she is, she did what I asked her to do and I wish she never did that. I am in so much debt and have been since I graduated XXXX in XXXX - that was 21 years ago. And I was officially kicked out of the XXXX program about a decade ago. My credit will forever be weighed down because of these debts. I remember once, I was walking into the student financial aid office at XXXX- it was the first time I would ever take out loans past the time I completed my XXXX XXXX XXXX. There was a sign on the wall which showed how much money I could expect to make if I went to XXXX and completed my XXXX there. And the numbers were so high! 6 digit figures. Honest to God I saw this and thought that taking out these student loans was a no-brainer. I was young at the time and there was no doubt that I was smart enough to get my degree from that place ( at least my XXXX and I was smart enough to get my XXXX. too ) and it wouldn't be a problem getting into debt because I knew that I would be able to make enough money after graduation to pay that debt off. And whatever I needed to have my poor mother cosign for, it wouldn't affect her because I would pay off those private loans right after graduation. That sheet was a complete lie! A decade later, I ( rather my mother ) have not been able to pay much of either of those student loans back. And as far as my federal loans, none of that has ever been paid back. I will never get a house. I will never get married. Who wants to marry someone with a quarter of a XXXX dollars in debt ( before they start a family and before they even have a house )? After my mother dies, I see myself as homeless. I'm not just saying that. I'm smart enough to know how bad things are and in large part, they are bad because of these debts. But I can say that I have all of this education. And this education hasn't helped me at all. I feel really sick from all of this and I have met up with financial counselors and others who have tried to help me. But the reality is that these people allowed me to take out money under false pretenses and I don't know if there is anything you can do to help. But if you can help, please let me know. None of the above is made up or exaggerated. If anything, I didn't speak enough about how much XXXX this has caused me, my mom, and my father when he was alive. Maybe I should XXXX XXXX XXXX That's not a cry for help - don't worry XXXX XXXX XXXX XXXX XXXX XXXX But I don't see any way out of this crippling debt. No bank is going to give me a loan for a house let alone anything other than a car. All my Dad wanted during the time I was born until he died was for me to get settled. In fact, the day he died, I asked him : Dad, what would you like me to become in life? His answer was simple, XXXX, I just want you to be happy and to be settled down. Now that he has died, the burden of settling me down ( so she calls it ) rests with my Mom. But seriously, how is that possible with this amount of debt? There is no way that I will ever be able to become settled or to give my parents the one thing they always wanted for me. So sad. Please help me. XXXX XXXX XXXX XXXX ( my new telephone number- my last two numbers had become disconnected for lack of payment ) | ||||||
| 04/27/2017 | Yes |
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| XXXX XXXX , XXXX through today : I 'm going to start this CFPB Complaint from page # 1/the beginning for me in DOE/ED, XXXX XXXX now called navient. I was approved of receiving SS benefits in late XXXX sometime after being denied & never appealed. A short time after that I started receiving calls from some alleged collection agencies about my student loans ( I do not know how they were able to obtain a new cell phone # ). Next I started getting US Treasur y Off-set of 15 % of my SS benefits to pay for my student loans ( I guess that was from the DOE/ED ). I applied with the XXXX Treasury for the DOE/ED not to get the 15 % since I was homeless. The US Treasury denied the DOE/ED from being able to take out the 15 % & yet the DOE/ED within its agency & its Default Resolution Group ( DRG ) still demanded payment to get my student loans out of default. I made the payments with the SS Benefits guess my loans went through Rehabilitation ( whatever that is ) sometime from XXXX XXXX to XXXX XXXX . Where I was contacted by XXXX XXXX via XXXX Mail they had my student loans demanded me to pay the whole sum total at XXXX time, I could not, they demanded I pay at least half of the student loans combined, I could not ( to the best of my remembrance at this time ). I was then told my next option was in my non-understanding the Graduated Repayment Plan ( GRP ) of which I knew nothing about. He told me I could go to XXXX & in all the confusion as I have been told by both XXXX XXXX & DOE/Ed om budsman office I verbally consented to the GRP-NO DOE/ED documents signed for GRP. In the GRP I made the payments & in questioning a lot of things in sallie mae-navient, My questions still remain unanswered. I 've filed several complaints in the above with XXXX XXXX , several " contractors '' within DOE/ED ( FSA, Office of Civil Rights ( OCR ) , OIG, DRG, & O mbudsman Offices ), & what I thought would be foremost in this complaint process unresolved I went to the the DOE/ED-Office of Inspector 's General ( OIG ). Should there actually be an investigation into that I will never know unless I file FOIA & even that will not reveal an investigation into DOE/ED & its contractors. I 've spent A LOT of my SS Benefits accomodating a U.S. federal agency when the U. S. Treasury denied the Treasury Off-set of my SS Benefits & in my ignorance spent over four ( 4 ) years of making payments when I did not need to. Those same 4 years sallie mae-navient misguided, misinformed, mismanagemen t ( employee ), mislead, ... .me in ALL of it. In seeking further assistance with sallie mae-navient about my doing the payment assessments via the website with a zero payment ; they took no further action to further assist me in changing my payments or changing my payment options. I began to feel as though I had to make the payments or else. I was informed of what the debt would do to my Credit & for me I had already gone through that-it could not be destroyed any worse than it was. It also became a " personal issue '' for some employed within the DOE/ED, US Treasury, & XXXX XXXX -navient like I owe them the debt & they demanded payment or they would destroy my credit amongst other things. I 've been receiving the SS Benefits & homeless while seeking employment. With that it did not seem to matter to XXXX XXXX -navient or the DOE/ED employees about my living on the streets while collecting SS Benefits-they ( extracted payment ) wanted the money as though I owed them. Regardless of being on the streets with no food, shelter, clothes like its acceptable for them to deprive me of the Basics in living at all. This came from the verbal threats of " you owe the debt '', " you agreed to make payment '', 'you consent ed to GRP '', " you signed the prommissory note '', " we forced/manipulated you XXXX XXXX make payment while receiving SS Benefits '', " we do n't care what th e US Treasury denied us abo ut Off-set ; you still owe the debt '', etc without informing me of other options. In a credit application I recently made after my Income Based Repayment ( IBR ) -Income Contigent Repayment ( ICR ) was done, complete , & ac cepted with navient. My credit is now reported that I am either making monthly payments of {$200.00} payments or I am currently on the way in the near future of making monthly payments of {$200.00}, while at this time as explained to me from the creditor still shows XXXX ( {$000.00} ) payments at this time : BUT the alleged {$200.00} payment increased my debt to income ratio. When I spoke to .. . .. i n XXXX XXXX she stated they ( navient ) have up to 90 days to report to the credit bureau 's NOT FOR ME THEY DID IT IN AN INSTANT-its like navient does not care who they hurt, destroy, damage, delete, annihilate, ... in their contracted business with the DOE/ED. The credit reports I pulled for myself prior to changing my student loan payments ; navient was reporting a monthly debt of {$150.00} ( a bit short of actual payment du e ) & repo rting my monthly payment of {$150.00 } ( a d ollar short of my actual payment made. ) When my IBR-ICR was complete dated XXXX XXXX , XXXX I obtained the interest for that da y ( Fr iday XXXX ) & found for loan XXXX accrued daily interest at {$1.00} & for Loan XXXX accrued daily interest of {$2.00}. Over that weekend loan XXXX navient added {$.00} cents to the daily accrued interest. On Thursday XXXX the daily accrued interest changed for loan XXXX dropped to {$1.00} of which a penny is added to that at least XXXX times per week. On loan XXXX the daily accrued interest went up to {$2.00} daily accrued interest which a penny is added to that loan XXXX times per week. I 'm still paying interest on the pennies navient adds to my student loans & that penny is still collecting daily accrued interest. I 'm paying daily compounded interest on the pennies navient adds to my daily accrued interest. Daily interest amount = ( Current Principal Balance x Interest Rate ) XXXX Some student loan issuing agencies will make mention of something called the Interest Rate Factor. IRF is simply your interest rate divided by XXXX . If IRF is used in their calculation, rest assured that they are calculating interest the same they just use a different equation to reach the same number. Here is the equation using the Interest Rate Factor : Monthly interest amount = ( Number of days since last payment ) x ( Principal Balance Outstanding ) x ( Interest Rate Factor ) Loan XXXX ( XXXX * ( 5.25 % ) ) / XXXX = XXXX XXXX XXXX , XXXX to XXXX XXXX , XXXX is 19 days at {$1.00} interest equals {$29.00} navient showed interest at {$29.00}. The math on this is {$00.00} cents over the accrued daily interest equation. Loan XXXX ( XXXX * ( 5.25 % ) ) / XXXX = XXXX same dates & time line is 19 days at {$2.00} interest equals {$51.00} navient showed {$51.00}. ( The numbers in this XXXX NOT add up!!! ) Over the weekend of Saturday XXXX XXXX to Tuesday XXXX XXXX XXXX XXXX is already XXXX cents over plus another penny now XXXX cents over the daily accrued interest formula. Over the weekend of Saturday XXXX XXXX to Tuesday XXXX XXXX Loan XXXX accrued XXXX cents of interest. Now the account is XXXX cents over the daily accrued interest formula. By Friday XXXX XXXX the account is now XXXX cents over the alleged & XXXX daily accrued interest. A penny, XXXX ( XXXX ) cent is still being added to my accrued interest on a 3-4 day average of which has been reported already to navient, DOE/ED, & DOE/ED OIG of w hich nothing has changed or stopped that. Therefore I am still accruing navient 's penny which is accruing daily compounded interest of which I pay for. I 'm basically paying navinet interest on the penny it adds to my loan ( s ). I have reported this to DOE/Ed-Offic e of Inspector 's General ( OIG ) of w hich there has not been any response should there actually be an investigation! Guess there is no investigation since navient is still doing the same thing. Should XXXX XXXX -navient be applying the daily interest equation as allegedly indicated : WHY ARE THEY ADDING MORE PENNIES TO MY STUDENT LOANS? In the mess of this with my Student Loans & XXXX XXXX -navient XXXX I did call CFPB & was verbally told they only do " private student loans ''. A few years later CFPB is suing navient from Student loaners/borrowers complaints. | ||||||
| 10/04/2021 | Yes |
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| Dear Sir or Madam : I am a victim of identity theft. I have recently learned that my personal information was used to open an account at your company. I did not open this account, and I am requesting that the account be closed and that I be absolved of all charges on the account. Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These sections also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided is the result of identity theft. Please investigate this matter, close the account and absolve me of all charges, take the steps required of you under the FCRA, and send me a letter confirming your findings and actions, as soon as possible. XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) ENCLOSURE : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that -- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 168li ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers ( 1 ) No reseller file This section shall not apply to a consumer reporting agency, if the consumer reporting agency -- ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Commission to obtain consumer information regarding identity theft. ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if -- ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section XXXX81a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this title. ENCLOSURE : FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) Requirements on Users of Consumer Reports Prohibition on Sale or Transfer of Debt Caused by Identity Theft ( f ) Prohibition on sale or transfer of debt caused by identity theft ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) the repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. ENCLOSURE : FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) Responsibilities of Furnishers of Information to Consumer Reporting Agencies Duties of Furnishers upon Notice of Identity Theft-Related Information ( 6 ) Duties of furnishers upon notice of identity theft-related information ( A ) Reasonable procedures A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. ( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. | ||||||
| 02/06/2018 | Yes |
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| Summary of complaint : -Navient makes loan re-payment unnecessarily complicated and onerous for overseas borrowers in order to maximize their profits and penalize borrowers. -XX/XX/XXXX, Navient changed their card payment processing system without notifying borrowers. Their system now registers all overseas debit cards as credit cards. Credit cards are unable to be used for making repayments. They did this without notifying overseas borrowers who were the most likely to be negatively affected. I would like to lodge a complaint regarding the lack of notification about this significant change and how it has removed my ability to make loan repayments. -Between XX/XX/XXXX and XX/XX/XXXX, I made 6 expensive overseas calls to Navient to try to make payments for those months with a debit card from an overseas bank account. I was given false information by supervisors and employees that wasted my time and resulted in no payment ever being processed. I would like to lodge a complaint against these Navient supervisors and employees for jeopardizing my credit history. -During some of these phone calls, I was told the only options for loan repayment for overseas borrowers were now checks and money orders, both of which are costly, time consuming, and inconvenient. I would like to lodge a complaint against Navient about the limited options for loan repayment for overseas borrowers. -I have now been forced to take forbearance despite having both the money and desire to make payments. I would like to lodge a complaint against Navient for not being told about this option until the 6th phone call. I would also like to lodge a complaint against Navient for being forced into this decision in order to avoid negatively affecting my credit history, through no fault of my own, and because of changes with Navients ' card payment processing system. Full complaint : I took out a US DoE loan to obtain a XXXX 's degree from XXXX University of XXXX ( in XXXX XXXX ). My loan was sold to Navient for servicing after I completed my XXXX 's degree.I still live in XXXX XXXX. Navient makes it absurdly challenging for overseas borrowers to make repayments. We can not pay in advance or pay off large chunks of our loan from overseas bank accounts ( we can only may the amount due each month ). We also can not pay our loan online from overseas bank accounts. Both of those options are only available to US bank account holders. In early XX/XX/XXXX, I began making my loan repayments using my debit card from my overseas bank account in XXXX XXXX. I rang Navient every month, or every few months, to make a payment using the same debit card. This always incurred a hefty phone bill, but it was the only time effective way to make payments without too much hassle. The payments were always processed. As of XX/XX/XXXX, Navient changed their card payment processing system. Their new system now registers debit cards from overseas bank accounts as credit cards. They did this without notifying overseas loan borrowers who would be adversely affected by the change. I rang Navient XX/XX/XXXX to make my payment for the month using the same debit card I have used since early XX/XX/XXXX. I spoke with a woman who processed my debit card payment and said it went through. She said my confirmation of payment would be emailed to me. The whole phone call took about an hour because of wait times and repeated attempts to process the payment. I never received the email confirmation, but forgot about it over the XXXX holiday period. XX/XX/XXXX, I received an email from Navient saying my account was overdue. I called Navient early XX/XX/XXXX to try to make another payment using the same debit card. It would not work. I called Navient again XX/XX/XXXX to try making payment using a different debit card. It would not work and I was told it was because the debit card was registering as a credit card on their system. I asked to speak with a supervisor. I was connected with a man named XXXX. He explained the change in card payment processing system may be the reason why my debit cards are registering as credit cards. He instructed me to go to my bank and get a verified letter stating my debit card was not a credit card. He instructed me to then load it up to Upload.Navient.Com. He advised a technical team would review the letter and then ( if approved ) change my card so it appeared as a debit card on their system. XXXX said it would take about a week or so and he would call me back with an update.The whole phone call took over an hour. I went to my bank, obtained the letter, and uploaded it to the website as instructed by the Navient supervisor, XXXX. XXXX never called me back. I received no email updates. I called Navient again on XX/XX/XXXX to follow up about the debit card. I spoke with two people who disconnected the call when I asked to speak with a supervisor regarding the problem. I then made several additional calls, but the Navient automated system kept terminating my call due to high call volume. Eventually, I got through to a third person, XXXX ( I believe ), who told me that the document I uploaded had not been received ( nor processed ) and that it was actually impossible to change how a debit card registered in the system as a credit card. XXXX said the only option available to me now for loan repayment was check or money order. I complained that was neither convenient nor cost effective, as money orders are prohibitively expensive and to get one every month was an unfair financial burden. I asked to speak with his supervisor. I was connected to XXXX, Navient employee ID XXXX. She also confirmed my uploaded document had not been received, but also would not have changed how my debit card was registered. She confirmed there was no way to make a payment using a debit card while overseas. She confirmed my options for repayment were check and money order. Therefore, I was misled by the Navient supervisor, XXXX, about my options for repayment, which wasted my time and energy. It also contributed to several weeks of not being able to make my loan repayment, potentially jeoaprdising my credit history. This delay and time wastage was in addition to the previous Navient employees who also fed me incorrect information, did not understand how to process payments, and were unable to correctly identify the problem or propose a working solution. They all have caused me to be 55 days overdue for payments, despite repeated attempts and having more than enough funds. When I expressed concern to XXXX at Navient that the time it would take to send and process payments made via money order would mean my credit history was negatively affected, she was the first person to offer forbearance as an alternative. It took speaking to 6 people to be given that as an option. Why did none of the previous supervisors and employees offer that as a solution? As I literally had no other option for making loan repayments while overseas, I have been forced to go into forbearance despite having the money to make my monthly payments. This will negatively affect my loan in the long-term as my interest accrued during forbearance will get added to my principal. This is unfair, but I have not other option. To summarize, I would like to lodge complaints against Navient for : 1. Changing their card payment processing system without notifying borrowers, in advance. 2. Having a new card payment processing system that incorrectly registers all overseas debit cards as credit cards. 3. Removing options for loan repayment while overseas that are reasonable for borrowers ( payment online, payment over the phone via debit card, payment in advance ) and only allowing slow, costly, and inconvenient repayment options that benefit Navient ( monthly payment for the amount due via check or money order only ). 4. Having an employee who incorrectly claim she processed a payment, only to find out several weeks later that the payment didn't go through. 5. Having a supervisor lie and mislead customers about the processes and options for repayments. 6. Taking 6 phones for someone to offer a potential solution of a forbearance. 7. Removing all reasonable options for repayment so that overseas borrowers are forced into choosing forbearance, despite having the desire and funds to make payments. This should be criminal. | ||||||
| 07/31/2018 | Yes |
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| In XXXX I decided to go to school and get an education for the The XXXX XXXX XXXX XXXX- XXXX , IL.. When I visited this college I was told that they had a 93 % graduation rate as well as 93 % job placement rate. This was an amazing thing to hear on top of that I was a poor kid who couldn't afford college but was told that my situation would not be a problem, That the grants and financial aid I would receive would cover everything. All I would need to do was take out an initial loan to get the ball rolling and then would not have to take out a single one after. I was told that each Quarter I would come in and sign new forms for the Pell grant and Financial Aid documents to prove my situation had not changed, which it never did. I worked three jobs during the time to afford anything I needed such as school supplies, food, bills, etc. So every Quarter I came into the school to fill out the FASFA and Grant paperwork and was told that is all it was. I was told that I had to re-certify my loans saying that I knew that I had taken this loan out at the start of school and I would be responsible for it 6 months after graduation and obtaining a job, which was perfect since their job placement rate made it seem like it was not going to be a problem to get a job. In reality I was applying for more loans every quarter, without ever knowing I was doing so. The school had taken out 25-30 loans in my name and I never knew the wiser. I was never notified or made aware of this but it was going on behind my back every three months and they also were gaining interest, which blew my mind even more since the only loan I was told I ever had to take out was not suppose to gain interest until 6 months after graduation which was awesome due to their so called job placement rate. So honestly Being a kid and only focusing on getting through school and surviving the city I never thought twice about signing the forms each quarter for Financial Assistance i.e Fasfa and Pell Grants. I honestly thought the Financial Advisor was leading me in the right direction and looking out for my education and financial needs and best interest, which I have learned the hard way as everything but. They have refused to give me verification on these loans and even denied access to the promissory note, that I supposedly had signed. I have been trying to obtain this document since XX/XX/XXXX. I know since then they have been found to have committed multiple illegal activities regarding students, lying to us about graduation rates job placement rates, and even more students then I could imagine about taking out grants when they were actually loans. On the last semester well right before, I was pulled into an office and told that my loans have ran out and that I would not be able to finish my degree. I was beyond shocked since I literally had no idea that I have loans other then the first one that I signed for with Sallie Mae at the very start of my college career. So here I am without a degree and unable to finish because when I tried to file for a loan to finish from Sallie Mae I was denied saying my credit was not good enough to obtain a loan. I was told to do a deferment and forbearance to stop them going into repayment while I figured out something to be able to finish my college career. I was never told by doing so I would be gaining more interest on loans that I could already not afford and was never aware that I had. No one ever talked to me about income driven repayment plans or any kind of solution that I may have had. My loans literally were defaulted before I ever had a chance to do anything about it. Navient Has said loans which were taken over from Sallie Mae, and lied to me about being in an income drive repayment program, that I was told about and offered in XX/XX/XXXX. The agreed amount that would be taken out as part of a loan rehabilitation program was XXXX $ a month. This would cover all said loans and would put said loans in good standing and allow my to enter into an income driven repayment plan. So I agreed knowing That I had to pay this off or it would affect my credit for the rest of my life even though I was completely lied to about these loans in the first place. I was given little information about this program and was told I was being taken care of because of the so called reforms that were happening and students like me were being offered relief which was a lie. They increased the amount to {$400.00} a month without any notification or certification. They didn't get verification of what my actual income was in order to do so. Also they have not applied payments to anything unless they have wanted to and it benefited them. For example they listed that in XX/XX/XXXX the said balance was {$63000.00} by XX/XX/XXXX the balance increased to {$63000.00} which is basically negative amortization, then in XX/XX/XXXX it decreased by {$2.00}. In XX/XX/XXXX the balance was over {$64000.00} and the very next month XX/XX/XXXX the balance somehow dropped roughly {$15000.00} and became {$48000.00} all when the so called income driven repayment plan was a {$400.00} a month payment. I never payed {$15000.00} at the end of XX/XX/XXXX to make this happen. As Far as I can tell is if you take the amount I paid in the timeframe I started the so called IDR up until XX/XX/XXXX it equaled roughly {$15000.00}. This came to a surprise to me. It really makes me wonder how and when they apply any payments what so ever and if they held off on disbursing any payments to get a bigger increase on interest so it would grow my said debt and never allow me to get ahead. They are not handling my loans with care or in my eyes legally. I was also told with the income driven repayment plan it would cover the entirety of said loans and I would not have any debt collectors call myself or family or anyone I knew for that matter. This is not happening. Navient Has sold almost 13 of these loans to another collection agency who has also tried to say that I would need to do an income driven repayment plan. XXXX XXXX XXXX XXXX Has illegally taken out {$5.00} a month from my bank account after repeatedly telling them that they did not have consent to do so and I never signed any form giving them this capability. Since then They have given me notice threatening to garnish my wages and the funny thing is some of these loans have been applied to a school I never attended. They have also refused to give my validation of these loans and can not even give me a date as to when they were originally opened. They are telling me I have to enroll in their IDR and that the one I am in is a fake, which comes directly from Navient. All I have found is that on my credit report they were said to be opened in XX/XX/XXXX from one credit reporting agency and opened in XX/XX/XXXX from another, I can tell you now that I was not in college in XX/XX/XXXX or XX/XX/XXXX. This is really strange since I wasn't born until the XXXX 's. Also as far as some of these being applied to XXXX XXXX XXXX XXXX XXXX XXXX. I have never been to XXXX XXXX in my life. The furthest west I have ever traveled is Texas when I was like XXXX yrs old with my parents. So this was a shock as well. Not only has XXXX XXXX XXXX XXXX tried to force me into an Income driven repayment plan they are trying to collect on said debt from multiple agencies all on the same debt with the same amount, basically saying I owe the same debt to multiple collectors whom all in reality are the same company. These amounts do not match anything that I have obtained thus far that were ever a part of XXXX XXXX. So I am unsure how any of their activity is legal. I am writing you today in hopes that there is some sort of human decency left in this world. I am not denying that I never knew of the original one loan at the start of School in XX/XX/XXXX. I do not deny that. Do I have a responsibility to repay that loan, YES. I do however disagree and will never agree with the other said loans that were taken out without my knowledge. It is a disgrace that our system allows this fraudulent activity and there is little to nothing happening to resolve these matters. I am one of thousands of students who have became a victim because they wanted to better there lives in order to better our society with a better education. | ||||||
| 09/19/2018 | Yes |
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| SALLIE MAE-NAVIENT PER SE BREACH OF CONTRACT [ breach of Master Promissory Notes ] DE FACTO EXTORTION : Now, 1XX/XX/XXXX, Navient deleted critical student loans payments information in credit reports to- and rereported by XXXX , XXXX , and XXXX ( hereinafter, Credit Reporting Agencies, CRAs ) ; and coincidentally deleted payments information and Standard Loan Repayment Plan repayment ( XXXX0/120 uninterrupted, fixed, equal monthly payments, $ XXXX/month-group-payment-3-loans, from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX ) from the National Student Loan Data System ( hereinafter , NSLDS ). Navients fraudulent reports to CRAs fraudulently show my three loans are not properly paid ( payments only reported from XXXX to XXXX for two loans ; one loan, account history suppressed/no payments information ) ; and some payments, deleted entirely, shown as N/D ) ; and, within NSLDS, all three loans fraudulently shown as currently not paid at all, Cumulative Payment Amount : $ XXXX/Most Recent Payment Effective Date : N/A. HISTORICAL BACKGROUND : Sallie Mae serviced my three federal student loans entering repayment XX/XX/XXXX through XX/XX/XXXX ; whereupon the servicer name changed from Sallie Mae to Navient. ( See, Navient letterhead, signed letter, dated XX/XX/XXXX, pdf attached, affirming loan servicer name change ; servicer business organization, no change. ) According to Security and Exchange Commission ( SEC ) XXXX XXXX disclosure, Sallie Mae/Navient/XXXX are entities of one-in-the-same business organization. ( See, https : XXXX XXXX XXXX last visited XXXX XX/XX/XXXX ; and XXXX XXXX, last visited XX/XX/XXXX ). Shortly after said student loan servicer name change to Navient in XX/XX/XXXX, I called the phone number ( XXXX ) on my printed Navient monthly payment billing statement, and I was told by the Navient representative my three Federal Family Education Loan Program ( hereinafter, FFELP ) loans were now deemed commercial loans, i.e. no longer, FFELP education loans. A commercial loan lacks the borrowers protections afforded under the FFELP. Navient offered no reason for reclassifying my FFELP loans as commercial loans. There existed no default, no late payment, no interrupted payment, no reason whatsoever given to justify Navients unilateral arbitrary reclassification of my FFELP loans as commercial loans. See, my prior XX/XX/XXXX Consumer Financial Protection Bureau ( hereinafter, CFPB ) open complaint number XXXX, hereby incorporated in full by reference. Sallie Mae-Navient expressly admits : ( i ) receipt ( to date, XXXX XXXX, XXXX ) of 80/120 months student loans ' timely, uninterrupted, per contract/in-full-monthly payments ; ( ii ) Standard Loan Repayment Plan, 120 months fixed-equal payments ( $ XXXX/month/group payment for 3 loans ) to paid-in-full. Shortly after my XX/XX/XXXX protest that my FFELP loans could not lawfully be arbitrarily reclassified as commercial loans, Navient sent me the attached letterhead, signed letter dated XX/XX/XXXX, affirming my loans were FFELP per my Master Promissory Notes. None-the-less, on XXXX XX/XX/XXXX at about XXXX XXXX, I called Navient phone number, XXXX ( indicated on my printed group-loan-payment bill ) to complain about Navients said fraudulent loans payments reporting, XXXX ( a female employee, employee ID XXXX ) reiterated words to the effect : You called the Navient commercial loans phone number ( XXXX ), if you have FFELP student loans, your billing statement should have indicated a different student loan phone number, XXXX. You/borrower, therefore, have commercial loans not federal student education loans with Navient, ergo no one at this phone number can address your loans payment reporting concerns. When I protested my loans were FFELP and I had Navients express written admission dated XX/XX/XXXX, copy attached, said Navient employee said she would place me on hold while she talked to someone else at the XXXX number. Finally, said Navient employee stated NSLDS errors would be corrected within 72 hrs [ XXXX XX/XX/XXXX XXXX XXXX ] No errors Navient reported re my payments to either CRAs or to NSLDS are corrected to date, XX/XX/XXXX. PAYMENTS AMOUNT AND TIMELINESS PROOF VIA US MAIL SIGNATURE-RECEIPT- AND BANK ACCOUNT STATEMENT SHOWS NAVIENTS WILLFUL/KNOWING DE FACTO MAIL- AND WIRE FRAUD ACROSS STATE LINES/INTERSTATE COMMERCE : I made every loan payment, 80/120 months contractually mandated from XX/XX/XXXX through XX/XX/XXXX, timely, uninterrupted and per contract- $ XXXX/month-in-full. I sent every payment via US mail signature receipt required, proof of timely receipt by Sallie Mae-Navient. I have every bank statement showing wire payment via my paper check of {$570.00} electronic conversion paid to Sallie Mae-Navient for 80 months uninterrupted from XX/XX/XXXX through XX/XX/XXXX, proof of date and amount paid timely. Navients knowing/willful fictitious/clearly erroneous payments reports to CRAs and NSLDS herein described re my 3 FFELP loans payments are de facto mail- and wire-fraud across state lines which, uncorrected, may be prosecuted as civil Racketeer Influenced and Corrupt Organizations Act ( civil RICO ) extortion. SALLIE MAE-NAVIENT KNOWING/WILLFUL CONTRARY-TO-ADMITTED-FACT/LIES CREDIT REPORTING-UNQUESTIONABLE EXTORTION ; AND INTERSTATE MAIL- AND WIRE-FRAUD : In breach of contracts and de facto violation of federal- and state law, Sallie Mae-Navient reports to- and through CRAs rereports : ( i ) $ XXXX-XX/XX/XXXX [ FFELP ] loan Account Historical Data Suppressed/no payment data given from XXXX, i.e. 80/120 payments deleted/not shown ; ( ii ) $ XXXX [ FFELP ] loan payments shown only from XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX payments deleted, i.e. XXXX, 80/120 payments received/not shown ; ( iii ) $ XXXX [ FFELP ] loan payment shown only from XX/XX/XXXX to XX/XX/XXXX, XXXX payments deleted, i.e. XXXX, 80/120 payments received/not shown. ( See, open CFPB-portal complaint XX/XX/XXXX : XXXX. ) SALLIE MAE-NAVIENT KNOWING/WILLFUL CONTRARY-TO-ADMITTED-FACT/LIES NSLDS REPORTING-UNQUESTIONABLE EXTORTION ; AND INTERSTATE MAIL- AND WIRE-FRAUD : Sallie Mae-Navient admits willful/knowing deletion of information re my three federal student loans in the National Student Loan Data System ( hereinafter , NSLDS ) : ( i ) In block entitled : Repayment Plan Type, N/A is shown where Standard Loan Repayment Plan should be indicated for NSLDS loans 8-10 ; ( ii ) Cumulative Payment Amount shows {$0.00}, when Sallie Mae-Navient expressly admits I have paid ( 80/120 payments as of XX/XX/XXXX a total of {$45000.00} ) : ( a ) {$24000.00} [ NSLDS loan 8 ], ( b ) {$12000.00} [ NSLDS loan 9 ], ( c ) {$8300.00} [ NSLDS loan 10 ] ; ( iii ) Most Recent Pay. Eff. Date shows N/A when Sallie-Mae-Navient expressly admits ( my XX/XX/XXXX US mail billing statement ) I paid 80/120 uninterrupted per contract payments, Navient received from XX/XX/XXXX through the current, XX/XX/XXXX. REMEDY SOUGHT : Herein described contrary-to-admitted-fact public reporting in NSLDS and credit reports by Sallie Mae-Navient-et al. is unquestionable knowing/willful professional defamatory destruction of me via per se fraud and extortion. For years, Sallie Mae-Navient-XXXX-et al. have repeatedly ignored my numerous requests for factual, timely and accurate FFELP loans CRAs and NSLDS reporting mandated for student loan servicers under federal law. I have already suffered apparent loss of employment/-failed security clearance/professional defamation re Sallie Mae-Navient-XXXX-et al . knowing/willful/extortionate student loans repayment fraudulent reporting. I have no choice but to bring the herein reported facts to federal court to force Sallie Mae-Navient-XXXX-etc. to truthfully/accurately/timely report my loans group repayment and/or answer numerous counts including but not limited to : state breach of contract ; federal interstate mail- and wire-fraud ; civil Racketeer Influenced and Corrupt Organizations Act ( civil-RICO ). I will seek statutory damages ( treble damages plus all court costs and attorneys fees ) plus all punitive damages against Sallie Mae-Navient-XXXX, et al. available per court discretion for repeat offenders. ( See, XXXX XXXXXXXX, last visited XX/XX/XXXX ). | ||||||
| 09/18/2017 | Yes |
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| First, I would like to thank you for your follow up, swift response and gave me a chance for your consideration. I am truly and objectively responding to you about XXXX XXXX XXXX XXXX and Financial aid center a bad misrepresentation and failed me to deliver on promises to teach technical hand-on a 100 % techniques and false advertisement. I was pulled aside by XXXX XXXX XXXX XXXX administration coerced approach and told me would made lots of money faster ( making six figure on the fly XXXX after I finished the course ) if I enrolled for their Elite technical hands-on program, a workshop and mentorship, for {$35000.00} fee ( invalid debt ). XXXX XXXX XXXX XXXX ( XXXX ) financial aid office faked my signature, invalid debt until I realized it later. Therefore I was shocked and learnt for the first time when I realized what XXXX XXXX XXXX XXXX faked my signature to obtain money, invalid debt from XXXX XXXX, XXXX XXXX and Navient now the servicer. Im requesting to be discharged my invalid debt. I was an innocent person and victimized by XXXX XXXX XXXX XXXX administration. But all I have gotten is misrepresented, cheated by XXXX XXXX of technology coerced approach. XXXX XXXX XXXX XXXX stopped operating in XX/XX/XXXX and now a fake XXXX university '' but has been the subject of continuous problems. I have fallen victim to predatory unmanageable from the get go by XXXX 's fake offerings and misrepresentation. This is a SCAM, FRAUD by XXXX XXXX XXXX XXXX that took place in XX/XX/XXXX. XXXX XXXX XXXX XXXX and now a fake university of violating federal racketeering law by scheming to defraud me into paying thousands of dollars for useless technical investing classes. XXXX XXXX XXXX XXXX was seen as one of the worst for-profit school chains before it went out of business many years ago. XXXX XXXX XXXX XXXX was taking advantage with Banks who make these student loans were irresponsible to begin with it is also their fault they were making loans to people believing they will obtain employment in a given career to pay for it, I was lied and misrepresented by XXXX XXXX XXXX XXXX and Financial aid Center for this invalid debt. I am truly and objectively responding to the curriculums were developed largely by a private individuals and small company that makes materials for workshop companies and motivational speakers for that invalid debt. The school was run largely by greedy selfish people ( middle management who were making XXXX plus a year ) with motivational speaking, sick people with backgrounds who were compensated based on how many people they persuaded to buy additional workshop, classes in XXXX XXXX XXXX XXXX and Financial aid center. Also, when I was there by their coerced approach to visit XXXX XXXX XXXX XXXX and Financial aid Center, they were driving XXXX, XXXX, XXXX and etc. etc. cars but saw me at that time eating two meals most of the time miss meal a day. They should be accountable for this invalid debt. XXXX XXXX XXXX XXXX and Financial aid center were telling lies. XXXX XXXX XXXX XXXX were taking advantage of XXXX, XXXX XXXX and Navient Bank who made these student loans were irresponsible for this invalid debt to begin with it is also their fault that they were making loans to me believing I will obtain employment in a given career to pay for this invalid debt and notes ( fake paperwork ). I was lied and misrepresented by XXXX XXXX XXXX XXXX administration. XXXX XXXX XXXX XXXX was a major for-profit school until its collapse many years ago. XXXX XXXX XXXX XXXX ( XXXX ) financial aid office faked my signature until I realized it later. I was shocked and learnt for the first time when I realized what XXXX XXXX XXXX XXXX faked my signature to obtain money from XXXX XXXX, XXXX XXXX and Navient now the servicer. I was an innocent person and victimized by XXXX XXXX XXXX XXXX administration. Secondly, I would like you to realize and understand that XXXX XXXX XXXX XXXX was seen as one of the worst for-profit school chains before it went out of business many years ago. XXXX XXXX, XXXX XXXX, XXXX parent company does n't know and understood what 's going on behind the scene what XXXX XXXX XXXX XXXX in XXXX had done. XXXX XXXX XXXX XXXX and Financial aid center were putting out bad debt where those lenders took bad risks, where they are also to blame. I believe that they have to be accountable for this reason I 'm not please by their misrepresentation and coerced approach. In conclusion I believe XXXX XXXX XXXX XXXX and Financial aid center are directly responsible to pay-back Navient the servicer {$130.00} ( XXXX XXXX XXXX XXXX thousands ) for the misrepresentation and damage they inflicted on me and I should be forgiven. Because of negligence, misrepresentation and fake treatment. XXXX XXXX XXXX XXXX was seen as one of the worst for-profit school chains before it went out of business many years ago. Im asking kindly to consider a resolution on this matter soon. I never thought Id be in this situation at my age. Here in I hoping to raise my family in a better future with opportunities and fulfilling dreams. But all I have gotten is misrepresented, cheated by XXXX XXXX of technology coerced approach. Very truly, XXXX, XXXX Please see some facts about XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX was suspended from XXXX 's student loan program after a large number of its students misreported their income. XXXX was reinstated after paying fines of C {$1.00} million and putting up a bond of C {$2.00} million. In XX/XX/XXXX, XXXX XXXX, XXXX XXXX and another graduate of one of XXXX University 's XXXX-area campuses filed a class-action lawsuit accusing XXXX of widespread deception, unlawful business practices and false advertising and alleging that students were not being prepared for high-tech jobs. The lawsuit contributed to a 20 % slide in the company 's stock. The class was not certified and the case was resolved for less than {$25000.00} in XX/XX/XXXX.In XX/XX/XXXX, XXXX XXXX , a graduate of one of XXXX XX/XX/XXXX XXXX XXXX-area campuses, filed a class-action complaint against XXXX XXXX and XXXX XX/XX/XXXX XXXX XXXX on behalf of students in the post-baccalaureate degree program in Information Technology. The suit alleged that the nature of the program was misrepresented by the advertising. The lawsuit was dismissed and refiled. During the first quarter of XXXX, a new complaint was filed in the same court by XXXX XXXX with the same general allegations. This action was stayed pending the outcome of the XXXX lawsuit. The lawsuits were being settled in lateXX/XX/XXXX.In XX/XX/XXXX, the State of XXXX XXXX settled with three schools that were participating in questionable student-loan practices. XXXX, XXXX XXXX XXXX, and XXXX XXXX in XXXX XXXX were involved with the settlement. XXXX agreed to refund {$88000.00} to students. In XX/XX/XXXX, XXXX was accused of filing false claims and statements about recruitment pay and performance to the government. In XX/XX/XXXX, a lawsuit was filed by a former manager at XXXX which alleged that the college bribed students for positive performance reviews and worked around federal regulations on for-profit colleges. In XX/XX/XXXX, the attorney generals of XXXX and XXXX issued subpoenas to XXXX to investigate for violations of federal law and filing false information about loans, grants, and guarantees. In XX/XX/XXXX, XXXX stated that the XXXX XXXX state attorney general 's office was investigating if the company 's marketing violated laws against false advertising. XXXX XXXX XXXX 's report on the for-profit college industry revealed that XXXX 's tuition for an associate degree is 10 times higher than at community colleges ; it has a dropout rate of 50 percent ( 60 percent for online students ) within a median of 3 1/2 months ; spending per student of less than {$3000.00} per year on education, about a quarter of what is spent by the XXXX XXXX XXXX ; a CEO salary of {$6.00} million, 46 times more than the president of the XXXX XXXX XXXX ; and evidence of deceptive recruiting of students. Two state attorneys general, XXXX and XXXX, are investigating XXXX | ||||||
| 06/05/2017 | Yes |
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| First I signed up with XXXX XXXX who apparently sold my loans to Navient. I have been paying navient based on an income based repayment plan. I was consistently paying them my balance every month until I was opted out of the plan in XX/XX/XXXX . Immediately I contacted Navient because I was told that I would easily be able to reapply for the program again. The problem was that because I had been making on time payments apparently, I was not eligible for the IBR again. Before I was paying {$210.00} a month, and then they start asking for about {$400.00} a month. That is double of what I was paying before!!! I asked if we could redo the financial statement and they said I 'm not eligible because my credit was apparently in good standing. MY CREDIT WAS IN GOOD STANDING BECAUSE I WAS ABLE TO PAY THEM MONTH TO MONTH BEFORE. So based on doing those payments I was basically told I had no other choice but to pay the price. Another option the employee suggest ed ( which I 'm sure he 'll deny later because they all do ) w as that I wait until my account does go delinquent and see if they can try to help me. I MADE the payment for XX/XX/XXXX and then once the price increased, I had absolutely no financial means to pay for it. So I called again and they kept saying youre not eligible. It was n't until I missed a month of payments where they were trying to figure out something with me. So they offered the IBR but another employee I was talking to said I am absolutely NOT ELIGIBLE TO PAY AS LOW AS {$210.00} A MONTH EVER AGAIN! and when I asked why they did n't even explain. I completely understand I have a responsibility to my loan like everyone does but if me and my cosigner can not afford the payment, your pushing us in a corner. What more can we do? over time me and my cosigner both made payments through my card as much as we possibly could. BUT WE CAN NOT AFFORD THIS LONGTERM AT THE MOMENT. WE ARE STILL DELINQUENT ON THE ACCOUNT. WE HAVE MADE AS MUCH PAYMENTS AS POSSIBLE. Last month I signed up for a one month forbearance, because they call us about 6-10 times a da y!!! They said it would stop the calls for a month until the XX/XX/XXXX . Not even 3 days later, they are calling repeatedly over and over again. Most of the time they call me and my cosigner are at work!!! When I had a chance to answer I spoke to the representative about the calls and why they keep calling ( because the forbearance IS N'T FREE!!!! ) and they said whoop sorry, we 'll push out the call for a month. The following Monday, they call again and again and again. I 'm a little annoyed at this point but we have agreed to the forbearance and they continue to harass both me and my cosigner. I answer and they representative again says oh yeah I see the forbearance woops we will push out the calls for you, making some strange excuse as to why I keep getting the call. The excuse was the forbearance did n't go through. I PAYED YOU A WEEK AGO AND YOUR SAYING TO ME NOW THE FOREBEARANCE DID N'T GO THROUGH??? AND YOU STILL TOOK THE MONEY???? After that the representative said well it should go through today, do n't worry. So it seemed the forbearance had gone through because I had n't heard from them in a week and was trying to arrange things with my cosigner, but after that week they call and tell me " Oh well its only good for certain months of delinquency ''. WHY AM I BEING TOLD THIS NOW???? INSTEAD OF DOING FOREBEARANCE I WOULD HAVE TRIED TO PAY AT LEAST HALF OF MY LOANS!!! THE FOREBEARANCE WAS NOT ONLY INEFFECTIVE BUT IT RAISED THE PRICE OF MY MONTHLY LOANS!!! had the representative explained that I would be received a calls in less the n 2 wee ks about this, I would not have agreed. I feel so tricked by this loan company and I really wish I never went to college because of them. When I signed up for these loans I was not aware that to pay off all my loans I would have to pay more than double the amount of what I owe!! I did n't know that and being a teenager fresh from high school I was n't aware about how these finances even work out. I still have absolutely NO IDEA WHAT I 'M PAYING FOR!!!! i signed the dotted line I understand, but these loan companies know what their doing when they BAIT teenagers who barely know what they 're doing with their lives and also BAIT inexperience parents to sign up for a loan. We have been paying for multiple things this year and they just do n't seem to care. I DIDNT REALIZE IF I SIGNED UP FOR A LOAN IT WOULD BE THIS AWFUL. IF I HAD KNOWN I WOULD HAVE NEVER EVER SIGNED UP!!!! I understand if they call me about 2 times a day, but they call me, my cosigner and out home phone about 6 times a day! its RIDCULOUS!!!! The way they call, its feels like HARASSMENT!!! They call my cosigner and me when we are both at work!!! me and my cosigner have repeatedly asked them to STOP but the harassment continues!!! They never stop and they do n't want to!!!! I 'M AWARE OF MY LOAN!!! YOU DO N'T HAVE TO CALL ME 20 BILLION T IMES TO ASK ME " how will you be paying for this loan ''! I 'm honestly a little skeptical about doing the IBR because they have put me and my cosigner in such a difficult situation, I feel like I would be setting my self up for them to harass me again in the future and it feels unfair I 'm paying more than double of what I owe. My loan is due in XX/XX/XXXX , which is 23 years. WHAT I SHOULD BE PAYING IS ABOUT $ XXXX - {$200.00} not {$400.00}!!! I understand interest, but should i even be paying this much??? No one ever told me signing up for a loan interest can double your loan. They mentioned all these percentages, but I did n't know what they meant!? they just said if you do n't agree to the terms and conditions, you do n't get a loan. No loan meant no college, but if I had known it would have turned into this would I have signed up? ABSOLUTELY NOT!!! even now its like they assumed I would n't realize I would n't have thought about the amount they 're asking for me to pay by XX/XX/XXXX ! THE PHONE CALLS NEED TO STOP AND I NEED SOMEONE TO ACTUALLY EXPLAIN TO ME WHAT I SIGNED UP FOR BECAUSE I CAN TELL YOU RIGHT NOW I DO N'T UNDERSTAND ANYTHING AND I 'M IN THE DARK ABOUT MY LOANS! Navient representatives honestly just tell me what I want to hear so they can get there money and move on to their next victim! I feel like I have been lied to about many of the thing I signed up for including when I first signed up, the IBR, the forbearance, all of it!!! I need financial help and advice that navient has refused to give me since I signed up with XXXX XXXX and I need them to respect me and my cosigners when we ask for them to stop calling. I have been dealing with health issues since last year and ancient has not made it easier. Health issues come with bills and a long list of them. Did I tell you they call on the weekends now???? DO YOU KNOW THEY CALLED ME AND MY COSIGNER IN THE MIDDLE OF A FUNERAL. MY COSIGNERS MOTHER PASSED AWAY AND THERE THEY WERE *RING RING RING*!!! AFTER WE REPEATEDLY ASKED THEM TO STOP CALLING! I EVEN ASKED THEM TO REDUCE THE CALLING, BUT THEY WONT. MY COSIGNER IS STILL PAYING OFF A FUNERAL AND YOU KEEP CALLING HIM WHILE HE IS AT WORK, AT HIS MOTHERS FUNERAL AND MORE!!!! EVEN AFTER HE HAS ASKED YOU TO STOP!!! THIS NEEDS TO STOP. THESE PHONE CALLS CAN NOT BE LEGAL, AND I REALLY NEED HELP IN MAKING THEM STOP. SOMETIME WHEN I SPEAK TO SOME REPRESENTATIVE THEY ARE SO RUDE AND ITS HARD TO WORK WITH SOMEONE THAT LITERALLY DOES NOT CARE AND ASSUME I WONT PAY AT ALL. WE HAVE BEEN MAKING PAYMENTS!!! NOT AS MUCH AS THEY 'RE ASKING BUT THEY HAVE TO KNOW THAT WE ARE TRYING THE BEST WE CAN!! Now they are threatening to send us to collections and ruin our credit!!! WHAT MORE CAN WE DO!? For dates on XX/XX/XXXX we payed {$150.00}. In XX/XX/XXXX we payed {$380.00} and in XX/XX/XXXX we payed {$150.00} for the forbearance ( which the representative lied to me about ) and the forbearance is not even noted in my account so Im sure they pocketed that money. Navient has been obsessively calling us since XX/XX/XXXX ! | ||||||
| 02/08/2023 | Yes |
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| I sent Navient a Cease and Desist, Debt Validation, Conditional Acceptance Letter for accounts ending in XXXX, XXXX, XXXX via registered mail # RF XXXX XXXX XXXX delivered on XX/XX/XXXX. They have not responded to my terms requesting a XXXX forensic auditing of the accounts- providing and how the money was created. I sent NAVIENT a SECOND NOTICE stating : " In that letter, I gave notice in writing, pursuant to Title 15 USC 1692c ( c ) that I refuse to pay this alleged debt for accounts ending in 3536, 6658, and 4624, and DEMANDED that you cease all forms of communication with me through ANY AND ALL MEDIUMS. Pursuant to Title 15 USC 1692a ( 2 ) communication is defined as the conveying of information regarding a debt directly or indirectly to any person through any medium. The word ANY is defined as one, some, or all indiscriminately of whatever quantity ; used to indicate one selected without restriction. 1. Navient has continued to contacted me via XXXX, violating 15 U.S. Code 1692c ( c ). 2. On XX/XX/XXXX, XX/XX/XXXX you reported alleged debt to XXXX, XXXX, and XXXX for accounts ending in XXXX, XXXX, and XXXX, violating 15 U.S. Code 1692g ( b ) 3. Pursuant to 15 U.S. Code 1692a ( 6 ) : The term debt collector does not include ( A ) any officer or employee of a creditor while, in the name of the creditor ( AKA me, as Im the original creditor ), collecting debts for such creditor. I am the ORGINAL CREDITOR my bonds/ securities were sold in my FULL CAPS NAME and my social security number. 4. Pursuant 15 U.S. Code 1692 ( a ) : Consumer has a right to privacy. My privacy has been violated on multiple occasions, I never provided any consent to furnish my information. 5. Pursuant to 15 U.S. Code 1681 ( b ) : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Consumer reporting agencies have not adopted reasonable procedures and have continue to not follow the United States Codes Congress has passed. 6. Pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) : allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to NAVIENT. NAVIENT has caused stress by not providing full disclourse about I am the actually creditor. NAVIENT has chosen to harassment with multiple emails, letters and phone calls attacking me for a alleged debt. I have spent many nights unable to sleep with high anxiety and mental anguish trying to figure out how to pay and care for my family, when in fact I am the CREDITOR and the money came from my FULL CAPS NAMES. 7. Pursuant 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given the opportunity to direct their information, whether they want their information about a transaction to be reported or not. This is referenced in the Gramm Leach Bliley Act.I never gave anyone permission or direction to publish my information. 8. Pursuant 15 U.S. Code 1681n- ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum ofdamages the consumer sustains, not less than {$100.00} and not more than {$1000.00}. NAVIENT knows better and willfully failed to comply with this requirement. 9. Pursuant 15 U.S Code 1692a ( 4 ) - creditor, [ Proves Consumer as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment. I am the original creditor, I am not the debtor. 10. Pursuant 15 U.S Code 1692a ( 5 ) '' - debt, obligation or an alleged obligation. This was never a debt, as I am the creditor it is MY monie. 11. Pursuant 15 U.S Code 1692b ( 2 ) - states a consumer owes any debt. If the debt has been reported this is a violation of 1692b ( 2 ) as someone is stating the consumer owes a debt within a publication. I am the consumer who DOES NOT OWE this debt as I am and always have been the original creditor. 12. Pursuant 15 U.S Code 1692d ( 5 ) : - causing the consumers phone to ring to annoy, abuse, harass, any person at the number. NAVIENT has chosen to violate this code by constantly calling my phone multiple times during the day, stating I must pay this alleged debt. When in fact they are acting as a debt collector. 13. Pursuant 15 U.S Code 1692e ( 2 ) ( A ) - false character, amount, or legal status of any debt. Each bill I receive shows a positive amount, when in fact if it were a debt it would show a negative amount. 14. Pursuant 15 U.S Code 1692e ( 8 ) - Communicating with any person false credit information including failure to communicate the debt is being disputed aka false and misleading reporting. NAVIENT continues to report this debt, without my permission and I sent multiple letters, including a CEASE and DECIST LETTER 15. Pursuant 15 U.S Code 1692f ( 1 ) - collection of many amounts other than interest or agreed upon within the original contract ( we agreed within a contract a specified amount and if its not the original amount which was specified, the opposing party can not collect ). I have accrued multiple fees on these loans, NAVIENT is being dishonest. 16. Pursuant 15 U.S Code 1692g ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If not this is a violation. NAVIENT continues to not comply with this code and reports fraudulently information about me which is causing stress and anxiety. 17. Pursuant 15 U.S Code 1692h - Run me back my money. Per this code, I am demanding all my money back that has been paid on these loans. 18. Pursuant 15 U.S Code 1692j - False and deceptive forms. I was never provided the full disclosure of the loans ; in fact a lot was hidden and NAVIENT were dishonest 19. Pursuant 15 U.S Code 1692k ( a ) ( 1 ) - Allows for any action of damage. I am dealing with MY credit score taking a huge impact from these actions and damages due to NAVIENT not complying with the USC that Congress passed. 20. Pursuant 15 U.S Code 1681a ( e ) - investigated reports must have sources of interviews of family and friends, and the results can not contain factual information. NAVIENT did not provide these facts. 21. Pursuant 15 U.S Code 1681g ( f ) ( 2 ) ( A ) ( i ) - Credit score is a risk score. My credit score has been seriously impacted by NAVIENT, and what they have reported to the credit bureaus. 22. Pursuant to 15 U.S Code 1681i ( 6 ) ( A ) - failed demand to comply or failure to comply pursuant to 15 U.S. Code 1681o ( a ) ( 1 ) - For negligent noncompliance, or in other words, failure to comply even though they should have known they must comply, is equal to the sum of action damages. NAVIENTS CEO, CFO, and BOARD knows better, and what they are doing is violating so many UNITED STATES codes Congress has passed to protect the consumer. FURTHERMORE, YOUR COMPANY HAS CHOSEN TO IGNORE THE TERMS WHICH I OUTLINED IN MY ORIGINAL NOTICE. You have failed to provide all necessary documents to validate this alleged debt which will result in a civil penalty through litigation PURSUANT TO 15 USC 1681 ( n ) & 15 USC 1681 ( o ), and each individual responsible will be held liable. " On XX/XX/XXXX registered mail XXXX NAVIENT 'S SILENCES AGAIN. a CORPORATION CAN NOT violate the law, contracts or XXXX If they do, the contract is is ultra vires- VOID. Silence by NAVIENT results only in an attempt to DEFRAUD me by some SCHEME or DEFRAUD and is, itself, grounds for an action as FRAUD is actionable. | ||||||
| 05/02/2018 | Yes |
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| REQUEST TO APPEAL MY DEFERMENT DENIAL OR CHANGE IT TO A FEE-FREE FORBEARANCE -- AND LOWER THE INTEREST RATES. ref : Private loan account # : XXXX / loan # XXXX XXXX XXXX XXXX -- managed by Navient for XXXX Navient did not explicitly address the issue in academic year XXXX. Navient simply answered by brushing the topic, on the behalf of XXXX, via an email sent to XXXX ( see attached PDF ) -- that it was the responsibility of the school and the student to choose the best loan option. How could I, the student, get Federal loans, in XXXX, when XXXX did not make the option available for me, as a student of the XXXX University XXXX XXXX, while the school was still approved by the XXXX XXXX XXXX XXXX In XXXX, XXXX did not make the option available for me. My federal loan was denied, by claiming that I had reached the maximum Federal Loan limit, the only option available, in my case, was Private Loan, according to XXXX. If not accepted with a Co-signer, I would had been expelled from the school, with no guarantee to get re-admitted -- and one medical school does not want to accept transfer credits from another medical school. The only option was/is to start all over again, because medicine is a locally regulated profession, all over the world. Either you have a diploma equal to license to practice or you do the education over again, although it is the same anatomy everywhere. In XXXX, XXXX University of XXXX XXXX XXXX XXXX was still approved by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX was the company assigned, by XXXX, to process Federal loan request for students attending the XXXX University XXXX XXXX. In academic year XXXX, I requested for Federal loans and my request was denied. I had to complaint to XXXXXXXX XXXX XXXX XXXX to get Federal loan from XXXX in academic year XXXX. Other students had the same problem with XXXX. After this issue, the XXXX XXXX XXXX XXXX had changed the application process system and my Federal Loan requests were later processed by StudentLoans.gov. Again, how could I get Federal loans when XXXX did not make the option available for me, in XXXX? I understand Navient that Navient refused to process the deferment because DOE revoked the Federal Loan Certificate of MUL. Nevertheless, it is unjust for the XXXX to not allow Deferment for students who got loans via MUL. XXXX knew that it was/is nearly impossible for the students to get transfer credits from XXXX medical school to another medical school. You have to start over again. The practice is the same in the XXXX and in other countries. It is because medicine is a regulated profession everywhere in the world. It is irrational to not approve a deferment for students who attended XXXX. Clearly, Navient and XXXX were/are tolerated by the system. On the Navient XXXX, under " private loan '', the options are for payments only. Navient said to call to request for the Forbearance. When I called ... Navient required me to provide a credit card number to charge a fee twice to process the Forbearance until XX/XX/XXXX. Other private lenders do not charge a fee to process a forbearance. Why does Navient require a credit card number to charge a fee to process a Forbearance? Finally, Navient/SallieMae increased interest rates too high and added too much fees to this loan, even from XXXX to XXXX, while MUL was still approved for deferment. In the past, I repeatedly paid forbearance fees when it should had been deferment or fee-free forbearance and lower interest rates. While trying to use the assistance of the XXXX XXXX in XXXX, to avoid the cost of a lawsuit in XXXX, to get my diploma in an amicable way, I have Navient breathing down my neck, pushing for a lawsuit. The judicial system is totally controlled in XXXX, making corruption easier. With cronyism, MUL can easily win, a local lawyer informed me. The way to go is amicable solution or ( if amicable solution failed XXXX to have money ready and be prepared to lose the case, at all court levels in XXXX and then export the case out of XXXX and sue MUL/Poland in XXXX XXXX courts. In XXXX, the XXXX XXXX in XXXX acted indirectly, on my behalf, to recoup a MUL overcharge from my XXXX funds account. With the case of my XXXX diploma ( hijack/retaliation ), the XXXX XXXX said can not act immediately., due to federal regulations XXXX XXXX XXXX. The case has to be trialed as civilian and must fail first to resolve in XXXX 's court system, for the XXXX secretary of state to authorize the XXXX XXXX to intervene. At this time, I need resources and time to get my diploma. The XXXX DOE decision caused XXXX to retaliate against XXXX students. DOE provided us no explanation for revoking the certification of MUL, while many other Polish schools still have their XXXX / Deferment certifications : XXXX XXXX University, XXXX XXXX - Eligible XXXX XXXX University XXXX XXXX, XXXX XXXX - Eligible XXXX XXXX University XXXX XXXX, XXXX XXXX - Eligible XXXX XXXX University XXXX XXXX, XXXX XXXX - Eligible XXXX XXXX University XXXX XXXX, XXXX XXXX - Eligible XXXX XXXX University XXXX XXXX XXXX The XXXX, XXXX XXXX - Eligible XXXX XXXX University XXXX XXXX XXXX, XXXX XXXX - XXXX DOE is well aware that it is nearly impossible to transfer such credits to another school. I can not make any payments and the co-signer Navient can not afford to make the payments either. The solution is deferment or fee-free forbearance and lower the interest rates. MUL hijacked my diploma. Unlike in the XXXX, where MD diploma and medical license are sufficient to get a salary that can pay such large debt. In XXXX, you must have XXXX diploma, in addition to MD diploma and medical license in a specialty. Otherwise, they will pay you " potatoes '' in XXXX. Forget the option XXXX / ECFMG option. The billions of English speakers XXXX in XXXX, XXXX, XXXX, ... ) seek to come to the XXXX. As a result, residency and fellowships jobs require XXXX students ( even if they are XXXX citizens XXXX to score much higher on the XXXX steps than the students that study in a medical school in the XXXX. The difference to get the job is XXXX points XXXX XXXX points for insiders ; XXXX points for outsiders XXXX. Some XXXX employers even require XXXX applicants to have research experience and/or PhD diploma, making it nearly impossible to come back. Unlike the XXXX system, CNS, the counterpart of XXXX in XXXX, have collaboration with employers in XXXX. XXXX will pay for XXXX citizens to study medicine outside of XXXX, but scoring system and employment conditions, are the same as for XXXX citizens that study in XXXX. The only way for me to get out of this DOE/SallieMae/Navient fiasco is to keep fighting to get the PhD diploma from XXXX, to obtain my XXXX XXXX license in radiology, in the shortest time possible. With a XXXX license, the requirements to come back to XXXX are less complicated, vary from XXXX XXXX state to another but still less complicated. Depending on XXXX states, field of specialty and employers, some requirements can be even waved. Even if XXXX XXXX XXXX laws are changed, by the time I finish, I XXXX even chose to stay -- as salary paid to radiologists in the XXXX XXXX as competitive as salary paid to radiologists in the XXXX XXXX Once I complete the education, then I can pay back the debt, all together to DOE/SallieMae/Navient and ReliaMax. It is impossible to pay the debt with a low-paid hourly job. It absolutely out of question to stop pursing the PhD diploma because of impatience and threats from Navient. With Navient trying to exit this mess, as quickly as possible, on the behalf of XXXX, by targeting the house of the co-signer, risking to put the co-signer and his family on XXXX XXXX, then my plan to pay back the DOE/U.S. government and the other lenders is at risk. Again, I request to appeal the deferment denial or process a fee-free forbearance and change the due date to until the date written on the deferment request form XXXX XX/XX/XXXX ). Also, I ask Navient/SallieMae to kindly lower the interest rates. They were/are way too high. | ||||||
| 03/17/2019 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX Oh XXXX XX/XX/XXXX To whom it may concern. IN REGARDS TO ACCOUNT # XXXX This letter is in regard to my previous attempt to remove a negative remark on my credit score back in XX/XX/XXXX. My credit report states two late payments in XX/XX/XXXX and XX/XX/XXXX. Both derogatory remarks are false as you can see in the enclosed copy of my Navient account. I have made 3 monthly payments of XXXX and i was enrolled in the income based repayment plan in XX/XX/XXXX. Two accounts were open in my name with Navient and i am confused to why this happened? It is possible because of my divorce and name change that this happened but i do not know. Regardless of the reason my accounts are being reported on my score falsely. Therefore not only was i reported late once, but twice. And upon contacting Navient they suggested that i had to direct this to each credit bureau. Both of the derogatory remarks have lowered my score substantially and they are not unfair they are completely untrue and i am asking for both of these derogatory remarks to be deleted from my credit report please. This letter is a follow up and a request for the removal of both negative remarks on my score which are false. I have enclosed all the necessary documents to provide my proof of payment to Navient. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is my second attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. I thank you for you time and cooperation and look forward to your response My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXX CC : XXXX CC : XXXX COPY OF ORIGINAL LETTER SENT ON XX/XX/XXXX Navient XXXX XXXX XXXX XXXX, Pa XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, in which you claim i owe a payment of XXXX and that it is 90 days late. Upon reviewing my credit score it has been reported from your company as a derogatory account. This has impacted my score in a negative way. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you the noted amount of XXXX I have been experiencing partial financial hardship since XX/XX/XXXX and i have been divorced since XX/XX/XXXX i was legally separated and left the marital residence XX/XX/XXXX. I had made an attempt to pay my student loan debt in XX/XX/XXXX but fell victim to an online scam and all of payments throughout the course of that year were never given to your company. Unfortunately this is money that i lost and will never receive restitution for. I payed a company called XXXX XXXX {$49.00} /month for one year thinking that payment was going towards all my loans which were then consolidated. After this realization i attempted to again to apply for the Income Based Repayment Program and i was given a deferment. I have been diligently making attempts to pay all my debts and improve my credit score for the past two years to best of ability. I am attempting to make my account with your company current, and doing so I am sending my application for the Income Based repayment Plan. Upon review of my application you will find that i am a self employed independent XXXX, XXXX XXXX. And my yearly income is around XXXX average. I am requesting to set up automatic payments of {$25.00} per month. Furthermore i am currently enrolled in an online certification program for XXXX XXXX. In order to achieve certification for a second job which will increase my annual gross income so that i may pay off my debt faster once employed at this second place of employment. Again I have been monitoring my credit closely and making all attempts to the best of my capabilities to pay all debts with my available funds. Please Note : Because of my separation and then divorce i could not file my taxes for XX/XX/XXXX, XX/XX/XXXX due to the fact that i was employed by my ex-husband as an independent XXXX at his Tattoo Studio ( XXXX XXXX XXXX ) throughout the course of the marriage. This business was owned by him and premarital. Our taxes were always filed as separate but married throughout the course of the marriage which was XX/XX/XXXX-XX/XX/XXXX when divorce was granted. He had with held financial documents that contained my earnings. This was part of our divorce proceedings and wasnt resolved untilXX/XX/XXXX. I have since filed for those years and i am enclosing my XX/XX/XXXX tax return as well for review of my XXXX application. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. I thank you for you time and cooperation and look forward to your response My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXX CC : XXXX CC : XXXX | ||||||
| 10/12/2018 | Yes |
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| I was a XXXX XXXX XXXX for 12 years ( XXXX XXXX ), employed full-time by XXXX XXXX XXXX XXXX XXXX in Maryland. At the start of my tenure back in XXXX, I was pressured by many financial institutions to consolidate my loans because I was told it would bring down my monthly payments, put all of my debt into one place, and make my life easier. I was also told that this wouldnt affect any future XXXX or public service loan forgiveness programs that were being created in Congress in the mid XXXX, and I was informed that this wouldnt affect the category or status of my loans, or loan type. So I consolidated some of my loans on XX/XX/XXXX with XXXX Bank, and in XXXX Navient became my new servicer. The original consolidated amount was {$21000.00}. I also consolidated another set of loans in XXXX from my grad schools years, and these were serviced first by XXXX XXXX and now XXXX XXXX XXXX. The first consolidation with Navient still has a balance of around {$13000.00}, but my loan through XXXX XXXX XXXX is nearly paid off ( one payment of {$130.00} remains ). Im writing a letter of complaint primarily about Navient, the company facing many accusations and a potential class action lawsuit currently, but also XXXX Bank, XXXX XXXX, XXXX XXXX XXXX, and the non-transparent consolidation process I was pressured into entering in XXXX. In XXXX, before moving overseas to XXXX where I currently live and while still employed by XXXX XXXX, I applied for Public School Loan Forgiveness ( PSLF ) and XXXX XXXX XXXX ( XXXX ), thinking my application would be accepted because of my more than 120 consecutive payments while working at a qualifying XXXX XXXX. But both of my applications were rejected by XXXX XXXX XXXX ( for PSLF ) and Navient ( for XXXX ). I never received detailed letters or documents explaining why I was rejected, and when requesting information ( especially from Navient ) it has been incredibly difficult to secure documents or clear, unequivocal reasoning. Recently I reached out to both of these servicers over the phone to get answers and this is what I was told after piecing together information from more than ten hours of stressful conversations with representatives and supervisors on the phone. ( It was impossible to get through to managers for some reason they were never available ) : XXXX XXXX XXXX informed me that the reason my direct consolidated loans didnt qualify for PSLF is because back in XX/XX/XXXX, my automatic payment was only processed for {$63.00} instead of XXXX. When I explained that my account was always set up to process these payments automatically and it wasnt my problem that there was a computer glitch with removing a XXXX from the payment, I was told that the payment wasnt satisfied in full and they couldnt do anything about this issue. When I asked if they could review this problem I was told it would take 70-90 days for a manager to process this audit and get back to me about the investigation. To me, this seems very dubious and quite laughable : XXXX XXXX holding up the processing of a PSLF application of a qualifying XXXX. There was a clear error online in the processing that had nothing to do with an unwillingness to hand over an extra XXXX. This amount was for consolidated direct loans. Navient, on the other hand, gave me two contradictory reasons for my XXXX application being denied. First, I was told that my type of loan, a FFELP, didnt qualify for XXXX forgiveness. Then, this explanation was reversed by different representatives and I was told my underlying loan ( a XXXX portion I had already paid off ) that was woven into the consolidation in XXXX prevented me from qualifying for the program. When I asked to get details about this, Navient couldnt provide them after being put on hold countless times. When I asked to be sent this information, I was told a PDF file would be sent with a history of my loan prior to XXXX when it was with XXXX Bank servicing. After three weeks, I hadnt received an email. When I called back, I was informed that the document was sent, and a rep walked me through their online system to locate it on my account for over an hour. After we couldnt find it in my email or on my Navient account online ( via the message inbox with requested documents ), I was informed that it would actually be sent to my Hungarian address as a hard copy. So after one month of trying to figure out why I was rejected for the program, Navient still cant explain why or give me the requested material to document this decision for me. Navient has failed to provide me with the documentation about my records at XXXX Bank and details about my underlying loans before XXXX that were the source of the rejection. Whats more frustrating is that as a student Im just trying to locate the paper trail of my original loans, their types, their consolidation history, and what went wrong to prevent me from qualifying for two programs that loan counselors, government officials at XXXX, reps in my public school system, and reps at the loan servicing companies told me I would easily qualify for. Ive become one of the tens of thousands of XXXX across this country who stay in this often thankless XXXX profession with the hope that a small fraction of their loans will be forgiven after 10 years and 120 consecutive payments, only to discover that all the programs are fraudulent or at least set up in a way to minimize chances of applications being approved. For example, until these conversations and investigative research, I had no idea that my consolidated loans under Navient were FFELP ( I thought they were classified as federal direct loans ). Whats worse is that these Direct loans were converted into commercial loans, and this is the underlying reason why I dont qualify currently for XXXX. Ironically, if I had not consolidated and if these direct loans had not been converted to commercial loans or if the XXXX loans had not been rolled in, based on my understanding of the facts I would have qualified in XXXX for the XXXX and PSLF programs when I applied. If the consolidated loan had remained a direct loan and not been converted into a FFELP, up to {$170000.00} of my remaining balance at Navient would have been forgiven without question through the PSLF instead of the XXXX ( only up to {$5000.00} could have been forgiven under this program ). I feel that the whole system and the servicers ( XXXX Bank, XXXX XXXX, XXXX XXXX XXXX, and Navient ) were not transparent with me about these conditions. In XXXX when Bush and Obama administrations approved these programs ( which would take effect in XXXX ), it wasnt clearly explained to me by any of the servicers that my loans would no longer qualify unless I changed by consolidation type. This should have been clearly articulated, but it wasnt, unfortunately. XXXX and other public servants shouldnt be subjected to navigating such a mess of a labyrinth when theyre trying to apply for programs they should qualify for after years of service. The process should be clear, automatic, and painless for these public servants whove given so much to society with modest salaries. So here I am, a XXXX who worked for 12 years in the public school system, and I qualify for none of the federal loan forgiveness programs that were designed to help me financially after years of service, all because of these servicers not being transparent and clear about the consolidation process. I have decided to write the CFPB to express my concern about these servicers, in particular Navient. It would be great if you could help me out with these issues, and get me in touch with anyone leading the charge against Navient now in the class action lawsuit. If what Ive read online is correct, I believe that CFPB has filed numerous cases against Navient recently for reasons similar to my complaints. Thanks for your time and for looking into my case. | ||||||
| 01/15/2018 | Yes |
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| XXXX/XXXX/XXXX : I discovered I was two months behind on making my student loan payments and I had barely graduated from my XXXX program in XXXX. I assumed there would be a grace period so I inquired with Navient. XXXX/XXXX/XXXX : A Navient rep emailed me through the Navient website and told me that Navient had automatically consolidated my loans while I was still in school without my consent and with no warning. This action removed the " standard '' 6-month post-graduation grace period. XXXX : I applied for an income-driven repayment plan. XXXX/XXXX/XXXX ( or XXXX if you go by the date on the actual document and not the website ) : Navient confirmed receipt of the application. I had submitted my bank statement as proof of income. XXXX/XXXX/XXXX : Navient contacts me stating that I had submitted insufficient proof of income and suggested that I submit a letter from my employer or a bank statement. Since I had already submitted the latter, I called the company. The rep assured me that a bank statement would work, so I tried it again. XXXX/XXXX/XXXX : I receive a notice saying my payment schedule had been adjusted and payments would begin on XXXX/XXXX/XXXX. I decided that probably meant that the process had worked a bit, and I would follow up closer to XXXX to figure out the next steps. Which I did. The rep said they would look into it. XXXX/XXXX/XXXX : I eventually receive the same redundant email telling me that my proof of income was not accepted and I need to submit a letter from my employer or bank statement. XXXX/XXXX/XXXX : I email Navient to enquire. XXXX/XXXX/XXXX : A Navient representative responds to my email inquiry and finally tells me that my bank statement had been repeatedly rejected because Unfortunately, your bank statement is n't a valid form of proof of income because it does n't specify fi your income amount listed is gross or net. That is a real misspelling. I did not add that. The rep also said, Please note that proof of income other than tax documents has to include your gross monthly income and the frequency with which you are paid. This is not information easily found anywhere that I have seen on XXXX website or any documentation up to this point. no one had even mentioned these details. XXXX/XXXX/XXXX : I get another IBR proof of income processing error message. XXXX/XXXX/XXXX : I email both my schools inquiring who to contact to get my proof of my income sent to Navient from HR. I email Navient stating that I had contacted my employers and they would be submitting my proof of income. I attempted to attach a better version of my bank statement in hopes that it would work this time. Navient confirms receipt ( again ) of IBR application updates. XXXX/XXXX/XXXX : At this point, I called Navient to explain the trouble I had been having so far. The rep talked me into applying for a temporary forbearance since there was no way to wipe away the charges I had already acquired while dealing with this drawn-out application process. I consented the forbearance and was immediately approved. XXXX/XXXX/XXXX : I get another IBR proof of income processing error message. XXXX/XXXX/XXXX : One employer sends proof of income to Navient. XXXX/XXXX/XXXX : Officially requested HR from my second job to forward my proof of income to Navient. XXXX/XXXX/XXXX : One employer officially confirms receipt of document request after sending the documents to Navient. XXXX/XXXX/XXXX : HR at second job confirmed again that they had sent my proof of income on XXXX. XXXX/XXXX/XXXX : Emailed Navient once again. XXXX/XXXX/XXXX : Called Navient, they said they never received any proof of income from my employers. Contacted HR of both jobs asking them to resubmit proof of income once again. XXXX/XXXX/XXXX : I get another IBR proof of income processing error message, but THIS one had more than just three options of proof of income available such as : Pay stubs Severance pay ***A letter ( s ) from your employer ( s ) that must : Have a date List your gross pay, Show pay frequency, Be on company letterhead or contain a signature from a company official ***Interest or bank statements ( should show the income/deposit on the statement ) Dividend statements *A contract for residency and teachers Taxable social security income Unemployment Benefits ***Forms of income proof that both my employers and I have submitted multiple times at this point in the timeline. I have also mentioned the fact that I am a *teacher to countless representatives at Navient and no one has mentioned the teacher contract option. However, I assume my employer documentation could basically double as that. XXXX/XXXX/XXXX : Requested a resubmission of my XXXXXXXX from my employer but there was some confusion when I checked the website. Both Navient and XXXX ( my other student loan servicer ) appeared to have accepted my IBR applications and my payments looked delayed on both sites. I wrote HR back and told them to disregard my email. XXXX/XXXX/XXXX : Response email from HR confirming that they had sent the message to both groups. So I waited a little bit. XXXX/XXXX/XXXX : I called Navient. The customer service agent was extremely rude despite how ridiculously polite I was being all things considered. I used to work in customer service and know how this game works. She was being so rude that I asked to speak to a manager. She flatly said No. She said that the instructions for submitting proof of income were CLEARLY '' laid out on the website. I explained to her that, no, it was far from clear. I still wanted to speak to a manager. She mumbled something about it being a 30-minute wait and put me on hold. The call eventually dropped. So I called the HR offices at both my schools to request a corrected copy of my proof of income be resent. They kindly agreed, and one of them sent me a copy of the documentation to look over. Everything looked exactly as Navient asked for. I called Navient back to inform them that my employers had submitted my proof of income and would the agent please put a note on my account. She said she would. Im positive it was the same rep. XXXX : I emailed Navient again to check on the progress of my application and the email bounced back. This is the last straw. I have been patient enough. Navient 's website is in no way easy to navigate or user-friendly. Much of my documentation that has been electronically uploaded to the site by the company itself is posted a day after the document was actually written and dated. There is no way to access correspondence documents from Navient through the initial Account Summary page. I have to go back to one of my three email addresses that all receive mail at varying points from Navient. I click on the link in the email and only then can I be taken to another log-in page despite being already logged into the website. From the email accessed second login screen, I can finally see a message history and read PDFs of the unhelpfully vague and often misspelled replies from the Navient customer service agents. In conclusion, several rounds of corrected income proof have now been submitted to Navient. I am a newly graduated XXXX XXXX degree holder with a ton of debt and two adjunct faculty member positions at both a college and a major university. I am getting paid less than my XXXX XXXX XXXX XXXX XXXX classes in higher ed, working multiple jobs outside of teaching and still barely making ends meet. I completely qualify for this program. I can not pay down my loans at all at the moment, and I can not keep pushing them into forbearance. Frankly, its hard not to feel as if this is being made intentionally difficult for the purposes of gaining more profit. My other student loan company has deferred my loans using almost exact criteria for submission of the proof of income materials. One works, Navient doesnt. | ||||||
| 12/28/2020 | Yes |
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| XXXX*THIS IS NOT A DUPLICATE! XXXX THIS COMPANY IS STALLING, PROCRASTINATING AND FALSELY REPORTING INFORMATION TO THE CREIDT BUREAUS! THEY HAVE NOT PROVIDED ME WITH A SIGNED DOCUMENT TO VALIDATE ANY DEBT OWED TO THEM! THEY CLOSED CFPB COMPLAINT XXXX FALSELY! THAT COMPLAINT HAD ADDTIONAL PROOF AND DOCUMENTS NEEDED TO PROVE MY POINT! THEY HAVE NOT REVIEWED THE DOCUMENTS OR UPDATED MY ACCOUNTS! I HAVE COPIED AND PASTED THE MESSAGE FROM THAT COMPLAINT HERE! THE COMPANY NEEDS TO REFER BACK TO THAT COMPLAINT AND PULL THE ORIGINAL EVIDENCE! UPDATE ALL ACCOUNTS AS PAID IN FULL, NEVER LATE BACK TO XX/XX/XXXX! THIS NEEDS TO BE UPDATED FOR XXXX, XXXX AND XXXX! I HAVE ALSO ATTACHED CONTACT INFORMATION FOR THE LAWYER THAT WILL BE ASSISTING ME IN COURT REGARDING THIS MATTER IF IT ISN'T RESOLVED WITHIN 15 CALENDER DAYS! XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Processing XXXX XXXX XXXX XXXX, NY XXXX Navient Office of the Student Advocate XXXX XXXX XXXX XXXX, PA XXXX U.S. Department of Education, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, TX XXXX To Whom It Might Concern, I am writing AGAIN to dispute the following inaccurate, incorrect account information that has been reporting negative details for the past 13 years and 2 months. The 2 specific accounts that I am referring to are located on pages 27-28 of my XXXX, XXXX, and XXXX 3-in-1 credit report that was pulled on XX/XX/XXXX. I have also attached a copy of those specific pages for your review. For some apparent reason, ALL 3 creditors are reporting different account numbers, different opening dates, different balances and neither credit bureau has ever actually verified or validated the debt being reported even after being advised that the account information that is being reported by each of them is inaccurate. PLEASE IMMEDIATELY UPDATE BOTH ACCOUNTS PER MY REQUEST AS FOLLOWS FOR ALL 3 CREDIT BUREAUS : 1. CEASE AND DESIST ANY & ALL FURTHER ATTEMPTS TO COLLECT A DEBT! 2. REMOVE ALL REPORTED HISTORY OF LATE PAYMENTS BACK TO XX/XX/XXXX! 3. DO NOT DELETE EITHER OF THE TWO 13-YEAR-OLD ACCOUNTS! 4. BOTH ACCOUNTS SHOULD REMAIN LISTED ON ALL 3 CREDIT BUREAUS! 5. BOTH ACCOUNTS SHOULD BE UPDATED AS CLOSED EFFECTIVE XX/XX/XXXX, PAID AS AGREED, NEVER LATE ON ALL 3 CREDIT BUREAUS! I have personally contacted Navient via telephone on numerous occasions requesting specific details regarding these 2 accounts once I learned that they existed and was incorrectly reporting to my credit. I specifically asked Navient the following questions : 1. WHAT WERE THE ORIGINAL LOAN DATES? 2. WHAT WERE THE ORIGINAL LOAN AMOUNTS BORROWED? 3. WHAT SCHOOL WERE THE FUNDS ISSUED TO? 4. WHY ARE THE LOANS REPORTING PAST DUE? ACCRUING LATE FEES? INTEREST? 5. WHEN DID THE LOANS GO INTO REPAYMENT STATUS? 6. WHY WASNT I NOTIFIED IN WRITING VIA U.S. MAIL AT LEAST 60 DAYS PRIOR? 7. WHAT IS THE REQUESTED PAYMENT AMOUNT? DUE DATE? 8. WHAT OPTIONS ARE AVAILABLE FOR DEFERMENT? FORBEARANCE? FORGIVENESS? 9. PLEASE MAIL ME A COPY OF THE ORIGINAL LOAN DOCUMENTS, TERMS, CONTRACT THAT INCLUDES MY SIGNATURE, PROOF OF PAYMENT ISSUED TO THE SCHOOL AND DATE ITEMS WERE CASHED! 10. REMOVE ALL PRE-EXISTING CONTACT INFORMATION FOR ME INCLUDING TELEPHONE NUMBERS, EMAILS AND ADDRESSES FOR MYSELF, FRIENDS AND FAMILY! 11. DO NOT SAVE ANY NUMBERS THAT I CALL FROM AS A METHOD OF CONTACT FOR ME! 12. DO NOT ATTEMPT TO CONTACT ME VIA ANY OTHER METHOD OTHER THAN U.S. MAIL. 13. DO NOT ATTEMPT TO CONTACT ANYONE ELSE OTHER THAN MYSELF VIA ANY LOANS THAT HAVE BEEN DISTRIBUTED UNDER MY NAME. 14. REMOVE AND CREDIT ALL LATE FEES AND INTEREST THAT HAS ACCRUED TO DATE. As of this date, XX/XX/XXXX Navient has failed to comply and honor my requests. They have NOT sent me any of the items or information that I have previously requested both over the phone or via my previous CFPB complaints. Instead, they sent me an electronically signed item that does NOT provide my actual signature accepting the loan. Please find attached, Navients response to my CFPB complaint that was filed on XX/XX/XXXX after my initial phone attempts to get these issues resolved were not successful! I have also contacted XXXX XXXX both via telephone, in person and via email requesting details regarding the loan disbursements that Navient claims were paid out to them. I requested that the school send me proof of the loan disbursement dates and proof of payment as well. The school has verified each time that I was NOT a student at XXXX in XX/XX/XXXX and that they did NOT receive any funding on my behalf during that school year. Please review BOTH letters that I have attached from 2 different departments of XXXX confirming this. Navient HAS however confirmed BOTH via telephone and attached correspondence in writing that they are NOT the original owner of these loans! That they are NOT the original issuer of these loans. Therefore, they do NOT have the right to collect a debt that they are NOT the owners of or given direct advance notice of their ownership of these items. This debt has NOT been verified or validated by NAVIENTXXXX XXXX, XXXX, OR XXXX. Therefore, I AM AGAIN DEMANDING THAT MY ABOVE REQUESTS ARE MET BY ALL PARTIES INVOLVED EFFECTIVE IMMEDIATELY! The information being reported is inaccurate. You are continuing to intentionally report false, inaccurate, incriminating information which is a violation of FCRA. Each of you have failed to comply, honor, respond, correct, and update the information within the original 30-day timeframe stated by law. In fact, you have exceeded this legal timeframe by more than 270 days. PLEASE FIND SPECIFIC REPORTING INFORMATION PER CREDIT BUREAU BELOW AND ON THE ATTACHED CREDIT REPORT PAGE 27 : PLEASE NOTE THAT XXXX HAS NOT UPDATED THE ACCOUNT SINCE XX/XX/XXXX AS THEY CONTINUE TO SHOW A PATTERN OF NOT COMPLYING AND UPDATING ON TIME, CONSISTENTLY EVERY MONTH. 1. Account # XXXX XXXX XXXX XXXX XXXX, XXXX 2. High Balance being reported for all 3 credit bureaus : {$2000.00} 3. Last Verified by XXXX on XX/XX/XXXX, XXXX -- XXXX -- 4. Date of Last Activity : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX 5. Date Reported : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 6. Date Opened : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 7. Balance Owed : XXXX {$3700.00}, XXXX {$3700.00}, XXXX {$3600.00} 8. Closed Date : XXXX -- XXXX -- XXXX XXXX- 9. Account Rating : being reported as open for all 3 credit bureaus 10. Dispute Status being reported as NOT DISPUTED by all 3 credit bureaus 11. Creditor Type : XXXX Government, XXXX Student Loans, XXXX Miscellaneous Finance 12. Account Status OPEN for all 3 credit bureaus 13. Creditor Remarks : XXXX Dispute resolved, customer disagrees, XXXX Subscriber reports dispute resolved consumer disagrees, XXXX Student loan fixed rate 14. Payment amount XXXX & XXXX {$0.00}, XXXX {$44.00} 15. Late Payment reported by XXXX XX/XX/XXXX PLEASE FIND SPECIFIC REPORTING INFORMATION PER CREDIT BUREAU LISTED BELOW AND ON THE ATTACHED CREDIT REPORT PAGE 28 : PLEASE NOTE THAT XXXX IS NOT REPORTING THIS ACCOUNT AT ALL AND CONTINUES TO DISPLAY A PATTERN OF INCONSISTENCIES AND VIOLATION OF THE FCRA BY NOT SUPPLYING THE MOST CURRENT AND ACTIVE INFORMATION AVAILABLE FOR ANY ACCOUNT. 1. Account # XXXX XXXX XXXX XXXX 2. High Balance being reported by both credit bureaus {$2000.00} 3. Last Verified by XXXX only XX/XX/XXXX 4. Opened XX/XX/XXXX XXXX, XX/XX/XXXX XXXX 5. Closed XX/XX/XXXX XXXX only 6. Account Rating : Transferred by both credit bureaus 7. Payment status XXXX current, XXXX late 90 days All reporting information is inaccurate, inconsistent, missing AND/OR outdated! UPDATE THE INFORMATION EFFECTIVE IMMEDIATELY! Thanks so much in advance! | ||||||
| 06/06/2018 | Yes |
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| NOTE : This is the most recent letter I sent to Navient ; it outlines the situation and the timeline. It was mailed on XX/XX/XXXX via regular U.S. postal service. Navient will likely receive it by Thursday, XX/XX/XXXX or Friday, XX/XX/XXXX. XX/XX/XXXX Navient Loans XXXX XXXX XXXX XXXX, PA XXXX RE : Loan # To Whom It May Concern : This communication is being sent to request that Navient reverse the late payment and balance increase associated with the missed payment in XX/XX/XXXX for the above referenced loan. After repeated attempts to resolve this issue with incorrect and delayed responses from Navient, I am also using this information to file a complaint with the Consumer Financial Protection Bureau. I am the co-signer on the loan, and not in communication with the student borrower. Unfortunately, this lack of communication means that I can only receive updates on this loan from Navient ; the Navient updates are sometimes not timely or current until the next month cycles through. Because I am in the process of applying for a mortgage, and not in communication with the student borrower, I diligently check the Navient website at least daily to be sure I am keeping current with these payments. Im sure that login records would corroborate my regular logins. Please review the timeline of events below : XX/XX/XXXX : I paid {$250.00} on XX/XX/XXXX. The student borrower attempted to pay the XX/XX/XXXX payment, but her payment was returned from her bank account. Mine was not returned. XX/XX/XXXX : My bank documents payment on XX/XX/XXXX ; it was credited by Navient as a XX/XX/XXXX payment. Again, this is not correctly identified on the Navient website. Perhaps my payment was combined with XXXX payment, and her payment was subsequently returned. Mine was not. The student borrower requested a forbearance due to financial hardship ( see correspondence from Navient dated XX/XX/XXXX ). This document references forbearance payments, which I now believe means that small amounts were due throughout the forbearance period - although the correspondence is not clear on this requirement. The forbearance was granted for XX/XX/XXXX - XX/XX/XXXX. Please note that this forbearance includes XXXX and XXXX of XXXX, months for which I had already made payments. I am unsure as to how these payments were applied, if the account was in forbearance. XX/XX/XXXX : The forbearance originally included this month. When the forbearance payments were not made as required ( though not specified in the XX/XX/XXXX correspondence ), this month was later marked as a missing payment when the forbearance was withdrawn. The Navient website showed {$0.00} due at the beginning of XXXX, no payment required, so I made no payment. I had no knowledge of the forbearance request, the returned checks from the principle signer, nor any other terms of repayment agreed to between XXXX and Navient. NONE OF THIS INFORMATION WAS AVAILABLE ON THE WEBSITE, NOR DISCLOSED DURING REPEATED PHONE CALLS TO NAVIENT. XX/XX/XXXX : The student borrower attempted to pay the XX/XX/XXXX payment on XX/XX/XXXX. Her payment was returned from her bank account ; I paid the amount due ( {$300.00} ) on XX/XX/XXXX. XX/XX/XXXX : I received a notice of forbearance denied dated on XX/XX/XXXX ( received XX/XX/XXXX ). Note that I was NOT notified of the forbearance withdrawal that included XX/XX/XXXX until the correspondence from Navient on XX/XX/XXXX. I was NOT notified that the forbearance was conditional upon receiving required program payments, and I was NOT notified that the required program payments had not been received, until XX/XX/XXXX. This means that I had no chance to rectify the late payment from XX/XX/XXXX until XX/XX/XXXX. In reviewing your customer service phone call records, youll note that I called Navient on the morning of XX/XX/XXXX, to inquire about the amount due balance that I suddenly saw due when I logged into the Navient website. There was no balance due showing on the website until XX/XX/XXXX. The representative that I talked to researched and eventually informed me ( incorrectly ) that a payment had been missed in XX/XX/XXXX and was immediately due, but had no idea why it would not have shown up on the website until XX/XX/XXXX. Failure to document this on the website, compounded by Navients inaccurate reporting, is clearly an error and a violation. On XX/XX/XXXX, I received an email that my FICO credit score had dropped due to an increased balance with Navient. I immediately called Navient ( again, please check telephone recordings for the morning of XX/XX/XXXX ) and the person with whom I spoke conducted further research and concluded that the missing payment was from XX/XX/XXXX ( not XXXX as previously advised above ). She was quite helpful, and also told me that Navient had not and would not report this payment as delinquent until it was 90 days late, which would be XX/XX/XXXX. She also said that sometimes communications dont come through until the loans cycle each month. On XX/XX/XXXX, I received notification through my credit monitoring service that my credit score has dropped another 40 points due to an increased balance in the student loan. This can only be due to a missing payment or withdrawn forbearance. I have attached copies of my credit report showing that Navient has reported the XX/XX/XXXX payment as late. I sent two letters to Navient ( one with a check, another to an alternate Navient address per their online help correspondence to protest the occurrences ), also on XX/XX/XXXX. I believe that what has happened is that the forbearance was withdrawn in XX/XX/XXXX, and the communication did not cycle through until after XX/XX/XXXX. As of XX/XX/XXXX, the XX/XX/XXXX payment was now late, although I had no chance to rectify the late payment until I was notified by Navient with the XX/XX/XXXX forbearance denial ( which I did not receive via mail until XX/XX/XXXX ). Between XX/XX/XXXX and XX/XX/XXXX I paid over {$900.00} to Navient in an attempt to bring the account current. I am amazed and perplexed as to how the loan can go from : XX/XX/XXXX : Current, no money due XX/XX/XXXX : 30 days late XX/XX/XXXX:60 days late, ALL IN THE SPACE OF 1 WEEK, WITH PAYMENT MADE IN THAT TIME THIS IS FISCALLY and CHRONOLOGICALLY IMPOSSIBLE Please immediately notify credit reporting agencies that I do not have a late payment. I have also filed a dispute request with XXXX, so when they ask Navient for more information, please verify with XXXX that I have no late payments on the above-referenced account. I have filed a complaint with the Consumer Financial Protection Bureau, and will use this letter as the summary of events and explanation of complaint. It should be noted that I, the co-signer, am the only one currently paying these loans - and I have taken my responsibilities as a cosigner very seriously. I have continued to pay these loans in the student borrowers absence. A continued positive relationship with me - the only one who is paying on these loans - would be, I would think, of utmost importance to Navient. Sincerely, Attachments : 1. Print out of XXXX credit report, showing the transition from 0 days late to 60 days late in 2 weeks 2. Screenshot of Navients payment record, showing payments I have made, beginning in XX/XX/XXXX 3. Print out of my mortgage lenders Credit Score Simulator, showing the detrimental effect of Navients reporting errors 4. My XXXX XXXX bank statements documenting my payments from XXXX, XXXX, XXXX, and XXXX of this year 5. Screenshots of prior letters sent to Navient to attempt resolution of the issues | ||||||
| 11/17/2020 | Yes |
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| As it is written in federal law for electronic signatures, Navient is not following the rules. Under the Electronic Signatures in Global and National Commerce Act ( E-Sign ) established by Congress on XX/XX/XXXX ( Pub.L. 106229, 114 Stat. 464, enacted XX/XX/XXXX, 15 U.S.C. ch. 96 ) it also states : if the consumer consents electronically, or confirms his or her consent electronically, in a manner that reasonably demonstrates that the consumer can access information in the electronic form that will be used to provide the information ( section 106 defines information as : The term " information '' means data, text, images, sounds, codes, computer programs, software, data-bases, or the like. ) that is the subject of the consent ; and ( D ) after the consent of a consumer in accordance with subparagraph ( A ), if a change in the hardware or software requirements needed to access or retain electronic records creates a material risk that the consumer will not be able to access or retain a subsequent electronic record that was the subject of the consent, the person providing the electronic record ( i ) provides the consumer with a statement of ( I ) the revised hardware and software requirements for access to and retention of the electronic records, and ( II ) the right to withdraw consent without the imposition of any fees for such withdrawal and without the imposition of any condition or consequence that was not disclosed under subparagraph ( B ) ( i ). e ) ACCURACY AND ABILITY TO RETAIN CONTRACTS AND OTHER RECORDS.Notwithstanding subsection ( a ), if a statute, regulation, or other rule of law requires that a contract or other record relating to a transaction in or affecting interstate or foreign commerce be in writing, the legal effect, validity, or enforceability of an electronic record of such contract or other record may be denied if such electronic record is not in a form that is capable of being retained and accurately reproduced for later reference by all parties or persons who are entitled to retain the contract or other record. You named a company called " XXXX '' and there is no company with that name currently that handles contracts that are signed electronically. So if this is a real company, they would have access to the electronic record on a hard drive or software such as the audit trail and IP address for digital date security. I have repeatedly requested those records and you refuse to provide them even though legally I should have access to them. Who is the contact for XXXX? I should be able to contact them directly and get the audit trail, digital date certificate, and IP address for the supposed electronic signatures. The name alone implies there would be an electronic record of this transaction. If you can pull up the document ( even though I can not pull up the document on my own ) then it should be just as easy to pull up the audit trail and digital data certificates!!!!! Every company that has electronic accessible accounts or documentation has an electronic audit trail that tracks login information for digital data security purposes such as IP addresses ( which would provide my exact location if I in fact signed electronically as you claim ) used when account was accessed, date, time of login etc? I have asked for this multiple times via email for everything that I supposed signed online and Navient refuses to acknowledge it or provide it. XXXX Said via email : " you also requested the plan online in XX/XX/XXXX ( application attached ). Since this request was also completed online, it was electronically signed '' I asked for and never received : It is funny how now XXXX now claims I requested it online ( XXXX XXXX made no mention of how it was requested in her previous responses which is why I asked for proof of how I " contacted '' Navient to ask for it ) and then signed it electronically even though the form clearly states in BOLD : " To enroll in a repayment plan identified below, sign and fax this form to us at XXXX, or mail it to : Sallie Mae, Inc XXXX. XXXX XXXX XXXX, PA XXXX '' It clearly states that can ONLY be faxed or mailed in which you refuse to acknowledge that there is no mention of an electronic option. So I supposed requested it " online '' and " electronically signed '' it the same day but then also previously requested in XXXX on the forged by Navient promissory note in Section E on page 3. ( 1 ) So 7 years apart I made the same request for a 2 year graduated plan on the promissory note in XXXX on section 3 page 3 and separately on a Sallie Mae repayment option request form online in XX/XX/XXXX? ( 2 ) When I asked how I requested it, now Navient claim I requested online but provided no proof that I repeatedly requested of when, where, electronic record of my login,? ( 3 ) It is easy to claim everything was done online when you can not provide proof of the request such as audit trail, IP info, email confirmation, etc. ( 4 ) Somehow I managed to electronically " x '' a tiny box in XXXX ( even though everything before that promissory note was handwritten ) but in XXXX I supposedly put an " 8 '' instead of an " x '' on a form that clearly states it has to be faxed or mailed only. No mention of electronic signature or electronic filing anywhere on the page. XXXX said via email : " Additionally, we spoke with you on numerous occasions, without you mentioning fraud, '' I have repeated asked for proof of that which Navient refuses to provide : WHEN DID NAVIENT " SPEAK TO ME '' ON NUMEROUS OCCASIONS? Navient records ALL calls for quality assurance right? Where are all the call recordings of me calling Navient and dates and times did I call and what number did I call from since Navient claims that I have spoken with them numerous times. Why is that so hard to provide if Navient " spoke '' with me numerous times? XXXX Said : Fraud If you feel this loan was disbursed fraudulently, we encourage you to complete the attached Fraud packet and return it to us for review. Please note, a police report may also be required. However, we can not further review your fraud allegations without this completed packet. You also sent : LOAN DISCHARGE APPLICATION : FORGERY However, the application clearly frames all questions as geared towards a school or individual committing the fraud when I am clearly accusing Navient because Navient have failed to provide the proof that I have reasonably requested multiple times and should be easy to obtain. Other questions as what I did with the funds even though I never physically received the funds. It also states that 3 months must have of lapsed since I found out about the forgery and it hasn't. It also clearly states : " You can use this form to apply for discharge of a FFEL Program or Perkins Loan Program loan only if the loan is held by the U.S. Department of Education ''. Navient clearly stated that these loans serviced by Navient are NOT held by the US Department of Education. So wouldn't that disqualify me? Also my local police department will NOT file a report because of the statue of limitations ( XXXX and XXXX ) and because I say it Navient that did it not an individual nor school. They said it is a civil matter not a criminal one. So they gave me a form that I CAN NOT use and knew it! I hate liars and Navient has lied since Day 1 and won't provide audio calls since they claim they have " spoken '' with me numerous times, nor audit trails for electronic signatures, or digital data certificates which would produce IP address details and more for all electronic signatures, logins, etc. | ||||||
| 01/04/2019 | Yes |
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| Hello, I am having serious problems with the loan company, Navient. I have 3 private loan from my undergraduate education that are handled by them. I have 6 government loans that are also handled by them. The total loan ( for both the private and federal ) is for approximately {$90000.00}. These issues began in the Spring of XX/XX/XXXX. I have received, at times, wildly incorrect information from them about loan payments, enrollments in programs for lower payments, and credit reporting. Their employees have commonly given different information depending on who I am speaking with. This issue has tanked my credit rating, made getting housing extremely difficult ( I recently had to submit supporting documentation of my issues, a lengthy letter of explanation, and pay an incredibly high, double deposit ), and has, ironically, hamstrung me from refinancing with a better company due to my credit score. FIRST ISSUE ( Begins XX/XX/XXXX ) As a student loan debtor with a variety of kinds of loans, ( private, federal, subsidized unsubsidized, in IDR, not in IDR, etc. ) I had renewing my IDR plans for several years at this point. This year was not the same for unclear reasons as I had reapplied in exactly the same way. My finances had not changed and I knew I would continue to be eligible. This program is extremely important to me as I can not afford the non-IDR repayments. I depend on the lowered IDR payments in order to meet my financial obligations. As noted below, I continuously responded to Navient communications in a timely manner from XX/XX/XXXX as I waited for my IDR to be approved. When I received my annual notice that my payments would swell to unpayable amounts in the Spring of XX/XX/XXXX, I submitted by first request for IDR renewal on XX/XX/XXXX per a submission received email from Navient. It normally takes a month or so for an approval response and I didnt hear anything further from Navient. I called to inquire in XX/XX/XXXX/XX/XX/XXXXand was told it was probably just taking a bit longer and wait. I then contacted Navient again in XX/XX/XXXX and re-submitted my request via fax. I received another email that my request had been received on XX/XX/XXXX. I received a XX/XX/XXXX status update that my request couldn't be processed. I immediately contacted Navient and reapplied for the third time on XX/XX/XXXX. I have XX/XX/XXXX and XX/XX/XXXX emails confirming the application. I finally received an email that my IDR request had been approved on XX/XX/XXXX and XX/XX/XXXX. Following the approval emails, I contacted Navient on XX/XX/XXXX and set up a XX/XX/XXXX payment per my pay periods. I was informed by the customer service agent that my account was in good standing and fine. Unfortunately, that was not true. My account had been reported to the credit bureaus on XX/XX/XXXX. It is not clear why the employee told me my account was fine. I received an email alert and per a second phone call on XX/XX/XXXX, was informed that I had paid too late to avoid reporting. I told them everything above. They gave me a fax number to dispute and I sent all documentation and requested they remove the report from my credit. They declined. During this time period, I continuously applied for the IDR ( for which I was deemed eligible and was approved for the third year in a row ). I communicated with Navient via fax, email, and phone. I had been assured that my application would be approved soon and reporting to the credit bureaus was not a risk as I tried to solve what became an extremely frustrating and confusing issue. I had attempted in good faith since XX/XX/XXXX to resolve the IDR application issue and continue paying my loans. I can not afford what the payments would be without this program, hence not paying the high amounts while the IDR eligibility lapsed. I have worked quite hard over the last several years to build my credit and this reporting had destroyed it. SECOND ISSUE ( Began XX/XX/XXXX ) This pertains to my 3 private student loans. Of note, these were {$30000.00} when I first borrowed them in, I believe, XX/XX/XXXX. I never set foot in the University 's loan office, had no parental guidance, and had no idea about the terms. The loans tripled by the time repayment started and have been the bane of my existence since adulthood began. While my name is on these loans, XXXX XXXX XXXX - XXXX XXXX should practice better loan practices and education with their young students. That aside, my current issue with Navient on these loans started in XX/XX/XXXX. I called them in XX/XX/XXXX to report that my over {$650.00} loan payment ( I have three, separate loan bills ) were too expensive and I would not be able to continue paying. We spoke at length and found a program that lowered my payments to about {$470.00}. Unfortunately, I was only able to make a payment in XX/XX/XXXX and XX/XX/XXXX. I then received phone calls and emails that my account was overdue. I understood this and called them. I called them several times. From what I understand, specific phone calls are both trackable through my account and are recorded. I called in to speak with Navient in XX/XX/XXXX and noted my issue, wanted to make a payment, and wanted to avoid credit reporting. We spoke at length and set up a payment around the time of my paycheck. She made no mention of credit reporting or that the amount was not enough to count as a payment. I received a voicemail from the person I had spoken a few days later and called back. The person I spoke to was busy, so I chatted with someone else. She told me that the amount I was paying was too low to count for a payment AND too late. On both counts, my 3 accounts would be reported to the credit bureaus. I balked and assured her the other employee told me I was fine. She was very sure I was wrong. She told me the other employee would call me back. Several minutes later, I received a call from the employee I had been working with. She told me that I had " never mentioned '' that I cared about credit reporting so she didn't see fit to tell me that the large payment we set up might as well have been lit on fire and would have no impact on my account. We then set up an over {$1000.00} payment that I was assured - 100 % assured from a Navient employee - was high enough to satisfy the back due amount AND was timely paid so that no credit report would be made. Today, I again received an alert that I had been reported on XX/XX/XXXX for 3 delinquent Navient accounts. I could actually scream. More importantly, I am so angry at this dishonest company that blatantly lies to me, has so much power over the details of my life, and is truly preventing my family from thriving. I work with them regularly, I call them frequently. These phone calls are long. I submit applications. These applications take me time and energy. I throw money at them that I do not have and make financial choices based on these loans and it doesn't matter, I make housing plans based on these loans and have limited options due to their incorrect reporting that they have twice lied to me about, and I have zero plans of ever buying a home based on my destroyed credit and my forced relationship with this awful company. At the end of the day, their consumer practices are probably illegal and I would like to report them. I have documentation to support my claim, though much of the communication was via phone call. As I noted, they are told me that they record phone calls and are able to see who I have spoken to and when. Thank you for any help with this huge issue. XXXX XXXX XXXX XXXX XXXX | ||||||
| 09/13/2017 | Yes |
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| I tried to set up a recurring payment plan for all of my loans starting in XXXX XXXX. I was told today XXXX XXXX XXXX, XXXX ) that I had only established recurring payments for XXXX of the XXXX loans. I have been in repeated contact with Navient to attempt to get my loans current, including attempts to set up recurring payment plan XXXX XXXX ) which did not reoccur. After being frustrated with " Navient Customer Service '', I attempted to pay the loans online on a monthly basis but I was thousands of dollars behind schedule so it took many attempts. I have spent the past several months paying the current montly amount due and slowly catching up on the past due amounts, and I have informed representatives at Navient that I will continue to due this until all the loans have XXXX past due, which they have acknowledged. On XXXX XXXX, XXXX, I would have finally had all XXXX remaining loans paid with XXXX past due, however I just discovered that XXXX of the loans are " cashed out '' or " default '' which occurred on XXXX XXXX, XXXX. My previous payment on all three of these accounts was in XXXX XXXX. I have repeatedly been told that I can avoid default by making the monthly payment which brings the total days past due down by 30 days, which I have records of, and yet somehow I somehow have XXXX accounts in " default '' or " cashed out '' status. Furthermore, I paid on XXXX XXXX, XXXX online with no indication whatsoever that XXXX of these loans are in " default '' or " cashed out '' status. Over the past XXXX hours on the phone, I have tried to figure out how XXXX accounts are in default, and they make ominous claims that " the loan was not being paid as promised '' as a valid reason for the default. I received conflicting definitions to the time period for how the loans would become default. I was told that if a loan was 1 day past due, that it would be considered 1 day delinquent, and that it would default when it is 212 days past delinquent. I was also told by a Navient employee that a loan is considered delinquent if XXXX payment is made, and I was also told that this is not true by another Navient employee. The " Navient XXXX '' department is apparently the only department that will work with me on these XXXX loans, and they acknowledge that I have repeatedly communicated with various Navient employees, they acknowledge that I have been making substantial payments, but they have thus far refused to reverse this " cash out '' decision that went through on XXXX XXXX, XXXX. On Friday, XXXX XXXX, XXXX, I will be paying the less than {$900.00} to bring all XXXX accounts up to date with XXXX past due, and I will again be calling them to try and reason with them. I informed them all that this is what I intended to do, and I plan to carry it out. I was told by the Navient XXXX department that it is possible to reverse the " cash out '' decision, but that it " does n't seem like it will happen '' in my case. They gave me reasons like " you should have called '' and through conversation they acknowledge that I have repeatedly been in contact with various Navient employees. They claimed that I should have been making more regular payments, but they acknowledge that I was making substantial payments and I was catching up. At least XXXX different employees said that if I log into navient.com then it would say that these XXXX loans are " cashed out '' or " default '' but the website does not say this for any of these loans. I was able to make a payment on XXXX XXXX, XXXX with no notification of any " default '' or " cash out ''. I repeatedly asked many departments if I received notification of when a loan would default, but I was not provided a single document that said any specific loan will default on any specific date. XXXX employee claimed that a paper letter was sent on XXXX XXXX, XXXX which said that I needed to contact them or it would result in default, however I can not locate this letter and I was not offered a copy of this letter. The same employee claimed that I was notified in email that my accounts would default on a certain date, but I pulled up every email sent and there is zero instances of the words " default '' or " cash out '' throughout all of XXXX and XXXX ( except for XXXX email which contains the word " default '' because it it part of XXXX employee 's title in their email signature ). I have XXXX concrete record of being notified that my loans were going to default, and I only just received a letter dated XXXX XXXX, XXXX, stating that these XXXX loans are in default, assigned to Recovery department. The total balance of these XXXX loans is listed on this XXXX XXXX XXXX letter as {$28000.00} and is referred to as " immediately due ''. On the phone today XXXX XXXX, I was told that the amount due in full is {$27000.00}, and I was offered a settlement of {$19000.00}, then later a settlement " with XXXX approval '' of {$15000.00}. I was also offered a " {$7500.00} down payment with monthly payments of {$250.00} ''. I informed everyone who made these offers that I do not have the ability to have that money, and they all asked me if I could borrow from family, borrow against life insurance, borrow against XXXX or other retirement accounts, or attempt to get a new loan. I have also been contacted at work repeatedly on the phone ( at my desk ) and I informed every employee that I can not discuss personal matters at work and to please contact me after work and I provided the number and they did not once contact me the same day as they said they would. Today I was given the excuse that " we do n't have automatic dial-ers, we have to manually call you ''. They have even faxed the same document to random numbers at my work which has jeopardized my standing to say the least. The document is always the same ( replicated below ) and has been sent on many different days to different numbers at work ( personal information blocked with " # '' ) : NAVIENT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE, XXXX **TIME SENSITIVE, PLEASE COMPLETE & SEND BACK TO NAVIENT** Date : XXXX/XXXX/XXXX Reference IDE : # # # # # # DES NAME OF COMPANY : # # # # # # # # # # # # # # Fax Number to Verify Employment ( # # # ) # # # - # # # # ATTN : PAYROLL We are requesting employment information on # # # # # # # # # - LAST XXXX DIGITS OF SSN # # # #. Please contact us by calling XXXX, or please fill in the information requested below and fax to XXXX XXXX XXXX XXXX. Any information that you are able to provide is greatly appreciated. Please have the employee sign the bottom of this form. Thank you for your prompt attention to this matter. EMPLOYMENT INFORMATION Employer Info : XXXX XXXX Status : ___________ Date of Hire : __________ Full-Time/Part Time : __________ Corporate Payroll Address : XXXX Address Line XXXX : ___________ Employee Address : __________ Employee Phone Number : ____________ Employee Signature : XXXX Please fax back to navient at ( XXXX ) XXXX Unfortunately, my mother cosigned on XXXX of the original XXXX loans, and she has repeatedly paid thousands of dollars towards Navient. Several times, my mother told me that she asked to pay all the loans to make them current, but Navient redistributed the loans to pay some loans ahead while some fell behind. My mother has also received refund checks for " overpayment ''. In closing, I thought I was XXXX days away from being fully independent and paying all my loans with XXXX past due, but instead I discovered that my situation might be ruining the next several decades of my life. | ||||||
| 12/15/2022 | Yes |
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| Per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection. My right to have a fair and equitable consumer report has been and continues to be violated by DEPT OF EDUCATIONXXXX XXXX In addition to the above complaint, per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT, I did not give permission to report on my consumer credit. XXXX & the listed creditors and alleged debt collectors is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my transaction history on my consumer report and furthermore the FCRA 15 U.S. Code 1681a - definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT containing information solely as to transactions or experiences between the consumer and the person making the report. Credit reporting agencies such as XXXX, XXXX and XXXX are defined by the Graham Leach Bliley Act as financial institutions subject to its rule making authority pursuant 15 USC 6804. XXXX, XXXX and XXXX are not upholding its role pursuant 15 USC 1681. You ( DEPT OF EDUCATIONXXXX XXXX ) are not upholding your grave responsibilities with fairness, impartiality, and respect for my right to privacy in the vital role you assumed in collecting, storing, assembling, and sharing an accurate and equitable consumer credit profile on my behalf. This is MY consumer credit profile and reporting inaccurate information is a discriminatory practice and is prohibited pursuant per the Equal Credit Opportunity Act. Your failure in responsibilities includes but not limited to, a violation pursuant 15 USC 1681a ( 2 ) ( a ) ( I ) - XXXX, XXXX and XXXX continues to furnish reports containing my transactions histories, debt utilization, payment history, inquires, and credit card balances are a few examples of transactions and experiences. A violation pursuant 15 USC 1681c ( a ) ( 5 ) - any adverse information shall be excluded from the consumer report. You are subject to civil liability pursuant 15 USC 1681n, 15 USC 1681o and a violation of 15 USC 1692c- you are acting in capacity of a debt collector when you communicate/ advertise my transaction history. You ( DEPT OF EDUCATIONXXXX XXXX ) are in violation of Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C . 1232g ; 34 CFR Part 99 ). This Federal law protects the privacy of my student education records. I signed a privacy form, which indicated that my student loan servicer would provide my transaction history to any 3rd party company, therefore these must be deleted. My consumer report is a form of communication and advertising my transaction history is an attempt to coerce payment of the alleged debt. The provisions of 15 USC 6801 ( a ) this requires financial institutions to notify consumers of their information sharing practices and provide a right to opt out of certain sharing. I never received an opportunity to opt out of notice from DEPT OF EDUCATIONXXXX XXXXXXXX. As a violation of 15 USC 6802- you ( DEPT OF EDUCATION/ XXXXXXXX ) communicated my nonpublic personal information to unaffiliated 3rd parties without my consent and without giving me the opportunity to direct such information not be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission. DEPT OF EDUCATIONXXXX XXXXXXXX are also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you DEPT OF EDUCATION/ XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. Per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT regarding inquiries, if the accounts are not open on my credit report all inquiries will have to be removed ; please provide documentation that you used to verify that the inquires ( i.e. promotional or otherwise ) are open accounts with the creditor. Please be advised that I dispute the validity of the listed alleged debt in its entirety. I request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a billing statement, notice or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data. Failure to remove these debt collection accounts and update transactional history as PAID AS AGREED/ON-TIME on these accounts within 4 days from my consumer report as requested will result in legal matters being taken upon you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until such a time as the debt is proven valid. If I personally do not receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { XXXX XXXX XXXX XXXX per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. | ||||||
| 08/25/2022 | Yes |
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| I have followed the coverage of the legal issues raised against Navient and the predatory practices with regard to student loans and the class action lawsuit ( s ) that were filed by the California Attorney Generals Office. The lawsuit alleged that Navient violated Californias Unfair Competition Law and False Advertising Law by taking advantage of vulnerable borrowers by pushing them into costly forbearances and failing to inform them of other programs, such as income-driven repayment plans, among other claims. I am one of those vulnerable borrowers. I have been granted some relief from the loans under federal issuance, but I am not going to receive any relief with regard to my private student loans. The structure and qualifiers for student loan cancellation under the recent Navient Settlement are such that I will not qualify due to my ongoing payments towards my student debt. I have not defaulted on my loans, which is one of the critical qualifying parameters. I have consistently tried to do the right thing by making payments, unlike those who defaulted. I have struggled for years now to make the bare minimum payments, and when I did have extra money from side hustles, I was never able to pay anything extra towards the principal balances of my loans, as there was never a place on my payment coupon for me to direct funds to the principal. This is also quite deliberate on the part of your company and the payment section of my accounts on the internet. I was defrauded. I was defrauded by Navient, as well as the schools, The XXXX XXXX, ( XXXX ), of XXXX, Arizona, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX California, which by the way are all now closed. I never graduated because the student loans became an ever-pressing issue for me, where I could clearly see I would never pay off my student debt if I had stayed and tried to finish. I have been paying towards my student loans for 13 years, was steered into forbearances and deferments when I would seek help and my ability to pay was at great risk. Today, on one loan, I owe MORE than what I originally borrowed after 13 years since repayment began and being steered into forbearances and deferments by Navient. On one loan it appears as though I have only paid {$470.00} toward the principal after 13 years of repayment due to the recommended forbearances and deferments. My father, who co-signed on all of my private student loans, would be sought for repayment of my loans if I were to default, so my commitment to make my payments goes further than just my personal credit or potential for lenders to garnish my wages. The criteria for loan cancellation under the recent Navient Settlement actually REWARDS those who have defaulted on their loans, while I am PUNISHED for trying to stay afloat and make good on my promise to pay. The following student loan in the amount of {$3200.00}, which is the original borrowed amount, has actually increased over time due to offers of deferment, not understanding the terms of deferment and how the interest would be levied not only against my loan, but also on the interest of the interest of the deferment. This lending practice was not explained to me in any way. Navient was and still is well versed in this practice, knowing full well that most young people were not savvy to these rogue lending practices, it was a deliberate tactic. In fact, I was pulled out of class while attending the XXXX XXXX XXXX, California, and was told I didnt qualify for the loan I originally applied for and that I would be dropped from my classes and would still be responsible for the time I was in class, approximately 2 weeks, if I didnt sign the new loan presented. I was pressured into signing the new loan and was told I could not read over the terms at home when I could carefully consider my options to pay for school. I have made numerous calls to Navient over the years to try to get help regarding my loans and how I might be able to get assistance, and was consistently given misinformation, promises of deferment, forbearance without clear explanation of the structure, repayment of loans that were deferred. As recent as Monday, XX/XX/XXXX, at XXXX, I made a phone call regarding my federal loans and deferment was heavily pressed and recommended and that only a few months can't hurt '', by the representative who did not know I had already utilized ALL of the available forbearance time on my loans over a 13 year period. She insisted, multiple times, until I grew angry and ended the phone call. According to Navient 's website, the company promotes the following Values that support our vision and shape the culture of our company. These values guide everything we do : how we interact with and serve our clients; how we hire, develop, and retain our people; and how we contribute to our communities as responsible corporate citizens. These principles serve as the foundation of the passion, commitment, and integrity we bring to our business every day. We strive to be the best. By relentlessly pursuing the right solutions, we deliver on our promises to each other and those we serve. Were stronger together. We succeed because were inclusive and authentic, and we know good ideas can come from anywhere and anyone. We earn the trust of our customers and colleagues. This is achieved by always holding each other accountable and acting with integrity. We innovate always and everywhere. We empower each other to think differently, develop ourselves, and grow our company. As a client of Navient, a consumer who received products from Navient, I have not experienced the values Navient promotes. I was not offered reasonable solutions to the predatory loans I received from Navient. No one relentlessly pursued the right solutions for me. Navient did not earn my trust as your customer. Navient did not, has not acted with integrity. Navient continuously set me up for interest upon interest bearing loans, with little hope of repayment. Navient was sued by the Consumer Financial Protection Bureau for the following PREDATORY PRACTICES : 1. Failing to correctly apply payments 2. Steering struggling borrowers toward paying more than necessary 3. Obscured information needed to maintain lower payments 4. Deceived private student borrowers about requirements to release their cosigner from the loan 5. Harmed the credit of XXXX borrowers, including severely injured veterans In XXXX, Navient reported a profit of {$710.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, the CEO of Navient, boasted, It was a year where we exceeded all of our goals. He doesnt care at all about the people Navient has harmed with their lending practices, just the bottom line of his wealth! The XXXX XXXX has closed. The school was a predatory, for-profit program that sought out students that didnt have the resources or high school transcript ( high GPAs and SAT scores ) to attend an accredited state community college, university, etc. The XXXX XXXX promoted their programs as highly sought after, maintained rigorous standards of student acceptance, made big promises of post-education job placement, and now the truth is known. The XXXX XXXX was a sham school. I will also be seeking assistance from all of my governmental representatives in California and the federal level. Navient has the ability to offer me cancellation for all of my private student debt, just like all of the students being rewarded for defaulting on their loans. I deserve relief just as much as they do. | ||||||
| 09/26/2019 | Yes |
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| I have been enrolled in Navient 's Rate Reduction Program ( RRP ) for my private student loans since XX/XX/XXXX. This program was offered to me by Navient only after I had spent years contacting them to offer me a lower, more manageable and affordable payment while I was repeatedly being pushed/recommended into forbearance for over seven years each time I called attempting to set up a payment plan. This action, in and of itself, significantly increased my total balance from {$96000.00} when I graduated in XXXX to over {$120000.00} after taking the recommendation from Sallie Mae ( at the time ) to enroll in deferment and forbearance programs, claiming they were the only option that was available to me since I could not make the full payment as required. Since I have been enrolled in the RRP in XXXX, I have not missed a payment on my loans held my Navient. On XX/XX/XXXX, I received an update on my credit report that there was a delinquency added to my credit file. This was listed as a delinquency by Sallie Mae which I found out of sorts due to the fact that I am enrolled in an auto-pay program. Even in the past, when the agreed amount from RRP enrollment as expired, the terms agreed to in the RRP state that when that term expires, auto-payments will be taken out of the account set up at the full/normal payment amount. After having this situation occur every time my RRP needed to be re-authorized since XXXX, this had not happened for the first time in the past five years that I have been enrolled in this program. Neither myself nor my co-signer had received any letters in regards to the missed payments even though Navient has claimed to have mailed them out. Having never missed a payment since XXXX, any communication from Navient would have immediately caught my attention since my account has been in auto-pay since enrolling in the RRP. Upon calling Navient to sort out the error in my account, I was informed by an employee named XXXX XXXX ( XXXX ), that I had been removed from the RRP in XXXX and my account was switched to scheduled payments. When I asked questions as to why myself or my co-signer had not been contacted by Navient in regards to my account being past due or for a reason why I was removed from the RRP, he did not offer me any reason other than, " Metrics change on a month-to-month basis for the RRP and now you aren't eligible, I don't really know why other that it just shows that you do not qualify for that program. '' There was no finite reason given to me as to why I had been removed from it. As I spoke with XXXX about what other options were available if the RRP was not one of them, I was given two choices which are ultimately going to do more harm than good. He told me that he looked at multiple different things but after quite some time of navigating through whatever available repayment options existed that the only way to get my monthly payment close to what I was paying in the RRP ( {$600.00} ) was to enroll me into a " Payment Forbearance Program '' ( {$740.00} ). It is important to note that this is an INTEREST ONLY payment plan that is also only temporary, for six months, and the only thing it was doing was bringing my account current. Nothing will be going towards the principle of my total loan balance which currently stands at {$100000.00} with interest rates between 5.75-8 % on the four loans currently held by Navient. The second option would be to make a payment for {$2400.00} to bring my account current to cover the three months of missed payments at the full payment of {$860.00} which I has made clear at the beginning of the conversation that I was unable to pay, I am also unable to afford the {$940.00} payment required of my account as the posted monthly payment going forward. {$260.00} is a large difference between the payment I was making while enrolled in the RRP and the standard monthly payment, {$340.00} is even more substantial and less affordable. XXXX then asked if I would like to speak with his supervisor to see if she had any options available to me that he was unaware of, I would like to note that this representative did seem like he was genuinely trying to help me find a payment option that I would be able to afford. I then spoke with the supervisor, XXXX XXXX. When I gave a brief explanation to XXXX of the contents to my conversation with XXXX, I also asked her if she was able to tell me why I was suddenly ineligible for the RRP. She too told me the same line about metrics changing month to month and had no reason to give aside from that. I explained to XXXX, just as I had to XXXX, that my enrollment in the RRP was the only reason that I had been able to afford payments and keep my account current and in good standing and I did not understand why I was suddenly ineligible for it. When I asked if there was another program similar to the RRP that I could utilize to keep my account current, she did not have anything to offer aside from the options that had been laid out by her employee. I shared my frustration that recommending me to enrolling in an interest only repayment plan is moving backwards in paying off this massive debt and only having one option for those who can not afford their monthly payments is not helping the customer. I then was belittled by XXXX XXXX during the remainder of our conversation while I was asking why there are no programs to help me and my only option is to go backwards. Ms. XXXX told me that she was reading my file and could see that I had used seven years of forbearance/deferment time on my loans which was when I was supposed to figure out how to make my payments and the RRP is meant only as a temporary program. I should not have to defend myself nor explain to a stranger working in customer service while I am trying to act in good faith to sort out an issue about my ongoing struggle trying to pay this student loan debt. I should not have to combat a morality lecture from a call center supervisor with the facts that when my loans went into repayment in XXXX, I was unable to find gainful employment in the height of the Great Recession and barely made $ XXXX working multiple part time jobs which made a student loan payment of over {$900.00} impossible to afford. At the direction of multiple Sallie Mae employees, my loans were sent to forbearance/deferment time and time again when I called to try and arrange affordable payments. Call center employees from Navient are NOT certified financial advisers nor do they have the right to speak to customers who are trying to work out plans in order to stay in good standing with their accounts that are acting in good faith and trying their hardest to make it work. There was no good faith from Ms. XXXX XXXX and that she is a supervisor is troubling. The fact that Navient only has a SINGLE option in the RRP ( which they are able to be dropped from without any explanation ) for those who are struggling to make payments is unthinkable. The fact that I am able to continue to pay around $ 600/month but have no option available to enroll in to keep me in good standing is frustrating and unacceptable. I have been dealing with Navient/Sallie Mae for over 10 years. It is clear that Navient is not working with their customers in order to pay down ( and ultimately off ) their student loan debt. Their only goal is collecting payments and humiliating/shaming customers when they are seeking help and guidance to navigate their options. | ||||||
| 10/06/2022 | Yes |
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| This is a follow up to the complaint made to Navient on XX/XX/2022 and answered XX/XX/2022 by Navient complaint number XXXX. In the response Navient sent three documents that show a contract with Sallie Mae. I am aware of a contract with Sallie Mae but unaware of any contract between myself and Navient. Two Formal Affidavit of TRUTH was sent to Navient via Certified Mail # XXXX ; XXXX dated XX/XX/2022, and received on XX/XX/2022. The Affidavits of Truth laid out the identity of the original creditor, demanded the proof by copies of the original lawful contract signed by both parties in wet ink, and provided validation of the alleged debt ( actual accounting ). These letters were sent via Certified Mail Respondent was given thirty ( 30 ) days from day of receiving the Affidavit of Truth to provide proofs of claim, point for point ; however, Respondent chose to send a contract signed by another company. This lack of contractual evidence makes the Affidavit of Truth to be held as TRUE. Respondent has agreed and stipulated to the facts and agreed that the undersigned Secured Party can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper. Conditional Acceptance Formal Conditional Acceptance was sent to Navient as a result of their failure to prove the Affidavit of Truth as false. Said Conditional Acceptance was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by Navient, showing no record of response to items listed in my Conditional Acceptance sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of Navients failure to cure and honor, places Navient in Default. For the course of dealing, set forth herein, with Navient failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, and Conditional Acceptance constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Conditional Acceptance As Navient has stated in its response back it is reporting these late payments to the credit agencies during this time. According to 15 USC 1692g a debt can not be collected on while it is being disputed, therefore all reporting by this company has been fraudulent and is a violation of the FCRA. Stating that Navient by its own account purchased a contract in order to collect on a debt not owed, this is a form of identity theft. In the origninal documents sent to Navient was a cease and desist notice. By their own account in its last response they are ignoring that notice. 15 USC 1692c and d would considered these to be abusive and harassment. Below is the response back from Navient and attached are all documents sent by Navient in its response minus its proof to collect a debt in the State Of Georgia. Thank you for reaching out to the CFPB with your concerns regarding your student loan account. Navient currently services your Federal Family Education Loan Program ( FFELP ) Consolidation Loan and your Private Consolidation Loan. We have attached copies of Promissory Notes for you to review, which serve as validation of the loans. By signing the Promissory Notes, you agreed to the terms and conditions of the loans. If the primary borrower or cosigner fail to make payments, Navient must resolve the problem either by collecting payment immediately or by arranging an alternate payment schedule. To do this, we perform a progression of activities to collect delinquent payments and we work to resolve delinquencies by using all legal means available. As a matter of explanation, our calls are intended to help customers avoid Late Fees and resolve delinquency and are not intended to harass. When a payment is not received by the due date, we attempt to resolve the delinquency by making contact through phone calls and letters, intended to remind customers of their obligation, help them avoid negative consequences of missing a payment, and inform them of the options available to help them fulfill their obligation. If we lose contact with you, well use the addresses and telephone numbers listed on the loan application to contact your references to obtain your location information. Because due diligence activities are required by federal law, you may continue to receive calls and letters. Furthermore, when there is a conflict between federal laws and state laws, we must follow the federal requirement. However, we strive to follow applicable state laws which are not expressly preempted by federal law and not otherwise in conflict with federal law. We have updated your cell phone numbers to prevent any future automated calls from being placed to you. Additionally, we have attached a copy of a letter sent to us by the Secretary of State of Georgia who states, Navient XXXX is authorized to transact business in the state of Georgia. We know financial challenges can come up unexpectedly, and we want to help you stay on track with your repayment schedule. Making payments on time is always the best way to protect your credit score, avoid Late Fees, and stop collection letters and calls. If youre having difficulty making your current payments, give us a call to learn about your options. Navient reports student loans individually to the consumer reporting agencies. This reporting is consistent with industry standards. If you have an account with multiple loans, youll see each loan reported with its own tradeline. Simply put, a tradeline is a descriptive summary of a particular loans history and status. Tradeline information can include the name of the company reporting the account, account open date, account status ( open, closed, past due, etc. ), balance owed, payment history and narratives. The Fair Credit Reporting Act requires lenders and servicers, such as Navient, who report information to the consumer reporting agencies to do so with accuracy. Therefore, we can not remove accurate information from your credit report. We will update your credit report to reflect your disputed loans with the following comment : FCRA direct dispute investigation completed consumer disagrees with the results of the data furnishers investigation. Because you disputed the account information we reported to the consumer reporting agencies, we are required to inform them of your dispute when we continue to send them updates. When we do this, the consumer reporting agencies will place the above narrative on your credit report to reflect that your account was previously disputed. Please note that the update pertains only to each open loan noted in your dispute. If you wish to have this narrative removed from your credit report, call or write us at the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX PA, XXXX. Please include your name, address, and account/loan number ( s ), and indicate that you wish to have the dispute narrative removed from your credit report. ATTACHMENTS XXXX Attachment XXXX ( XXXX XXXX ) XXXX Attachment XXXX ( XXXXXXXX XXXX ) XXXX Attachment XXXX ( XXXX XXXX ) XXXX Attachment XXXX ( XXXXXXXX XXXX ) Georgia License | ||||||
| 02/27/2018 | Yes |
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| I have filed a complaint before on this same issue with no positive result : Complaint # : XXXX on XX/XX/XXXX. I started having XXXX on XX/XX/XXXX. I was put in the hospital, at XXXX XXXX XXXX in XXXX XXXX, LA, and released XX/XX/XXXX by XXXX XXXX XXXX, with the following written quote, " Due to XXXX XXXX, he is unable to return to work or military service until further outpatient treatment has been completed. This will be followed up by his outpatient provider ''. I was admitted to XXXX XXXX XXXX for Intensive Outpatient XXXX to complete XXXX XXXX 3 days a week, for an undisclosed ending period. I was put on FMLA, unpaid leave, at my employment, XXXX, XXXX. I was forced to resign my employment on XX/XX/XXXX, due to not having a definitive timeline to be able to return to work. Based on my credit report, I paid, or was current on payments with these loans between XX/XX/XXXX through XX/XX/XXXX, despite Navient quoting yesterday, " you managed to pay other bills, but ignored paying us ''. I saw my third XXXX, which is XXXX XXXX at XXXX XXXX VA XXXX XXXX, on XX/XX/XXXX, with my next appointment on XX/XX/XXXX. I was officially released to work/find work on XX/XX/XXXX, by XXXX XXXX. I have not paid any credit cards since XXXX. I had some monetary help from family and friends to try to keep my vehicle insurance, health insurance, cell phone, and apartment current ( to include utilities ). I also had XXXX XXXX on XX/XX/XXXX, and released to work by that doctor mid XX/XX/XXXX, but was not released by XXXX as of yet. I went through XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, while currently waiting on the VA to approve more XXXX XXXX. I have applied to Social Security XXXX, in XX/XX/XXXX, and Supplemental Income, in XX/XX/XXXX. I have applied for VA XXXX XXXX, in XX/XX/XXXX, and Pension in XX/XX/XXXX. I do not have any temporary or permanent XXXX insurance. I could not get unemployment insurance between XX/XX/XXXX through XX/XX/XXXX, due to " not being able to work ''. I was denied unemployment insurance in XXXX, due to " lose of job through no fault of my own '', since I resigned, instead of getting terminated or laid off. I appealed the decision, but the judge ruled that I am denied unemployment insurance. Sorry this is so long, but I wanted to show what I have been through the last 6+ months. I was angry and XXXX the entire month of XX/XX/XXXX, which is one reason I was not able to return to work. I have not had an income since XX/XX/XXXX. I had to break my apartment lease on the closing of XX/XX/XXXX, which I owe over {$1200.00}. I had to break my cable subscription in XXXX, which I owe over {$600.00}. I have many medical bills that are unpaid, and are now in collections. I owe XXXX 's, complaint filed on XX/XX/XXXX ( XXXX ), over {$3200.00}. My cell phone was suspended on XX/XX/XXXX, which I owe over {$600.00} plus payments on devices still owed, to XXXX XXXX XXXX. My bank account was closed, due to negative funds for over 60 days. I was able to return to military duties after XX/XX/XXXX for the XXXX XXXX XXXX. Everything I earned in XXXX went to military debt payments, and the negative funds in my bank. I was able to payoff my negative funds in XXXX and open a new account with my drill pay. I have received my federal income tax, which I am living off of at the moment. I had to spend over {$400.00} on vehicle parts to fix my vehicle, that I had to struggle to change myself for lack of funds. I was also able to switch my cell phone to XXXX in XXXX. I explain all of this information every time that I call and speak with Navient, but they insist that I have enough income to pay them every month. They constantly threaten me with default, now the loans will go into default XX/XX/XXXX per the customer service supervisor I spoke to yesterday. The supervisor belittled me saying " it's my fault that I can not get a job, not hers ''. She would constantly argue with me about what I would tell her. She questioned everything I said about my situation like I was lying to her. Almost every time myself or my Co-borrower speaks with Navient, we are ensued in an argument, like we are lying and just trying not to pay the loan. I would love to be able to pay the loan, so that I can get rid of the loan. I would also love to be able to pay all my other bills too!!! Yes, Navient has helped me in the past, but it usually took multiple phone calls to speak with someone that would actually care to help. It was not explained to me that there was only 24 months of forbearance time. Forbearance was always the solution Navient would give me, instead of lowering my payments. The loan was almost in default the last time I needed help. And then all I was asking was to lower my payments 20 %, since I was cut 20 % of my hours at work, due to the current XXXX slow down at the time, for which I " misspoke '' on the previous complaint saying " I luckily found a job a few weeks later, but I am not cut 20 % of my pay do to the current XXXX glut. '' That statement should of read, " I luckily found a job a few weeks later, but I am now cut 20 % of my pay do to the current XXXX glut. '' I told Navient yesterday that I only receive about {$280.00} after deductions and taxes from my XXXX XXXX pay. My cell phone bill is {$120.00}, due to having to purchase a phone also, since I did not have one to use with XXXX. My vehicle insurance is {$55.00}. That's a total monthly expense of {$180.00}. Which leaves me with {$100.00} for gas that will take me 2 hours away to XXXX XXXX for doctors appointments, any interviews that I finally get for jobs, and getting to my military unit for monthly drill duty. I currently live with my father and step-mother, who are living check to check, dealing with their own medical bills and expenses. My father will pay for my gas to get to doctors appointments, interviews, and drill, if I do not have the money, and only if I spent the money on my cell phone and vehicle insurance. If I were to start paying loans instead of my bills, I will not receive help from my father, and will still be in the same situation I am in now. It's a lose lose situation, until I can start working. And even after I start working, I will have to get another apartment, and get utilities setup again. After I finally get a job again, I will still probably need two to three months to be financially stable enough to start paying loans again. I tried to explain to Navient that they are not the only company I can not pay. Navient told me to pay them, and figure out how to pay my cell phone, vehicle insurance, and gas after that! The supervisor told me that my bills are not her problem, the loan is. When I asked about working for Navient, she told me to see if there are any jobs open in my area, well of course I don't live near any Navient jobs, so she said I being condescending. I explained to her that they may have telework that I can do, and that's why I asked about jobs. She also told me that any company that I am in default with will not hire me anyway. 1 ) That does not make any sense to me, since hiring someone that owes you money could guarantee a payment on the loan. 2 ) I do not fall into default until XX/XX/XXXX, per that same supervisor. I also have to explain the entire situation every single time that I call. I'm beginning to wonder if the customer service associates are even entering notes on my account. | ||||||
| 06/26/2022 | Yes |
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| This communication serves to implore my release from the life sentence that is my student loan debt. I attended XXXX XXXX XXXX from XXXX of XXXX to XXXX of XXXX, graduating with honors, earning a bachelors degree with a double major XXXX XXXX XXXX XXXX. In the XXXX years since my graduation, my student loan debt has been sold a total of five ( 5 ) times to five ( 5 ) separate entities and is now four ( 4 ) times the original amount borrowed. It is a proverbial albatross that still hangs around my neck at the age of XXXX and by all estimations will not be paid until I reach the age of XXXX years of age in XXXX. I need someone to care enough to investigate the life of my loan and payments made to find a resolution. I made my payments, my parents helped with payments, all while I was living paycheck to paycheck as a XXXX XXXX in XXXX XXXX XXXX I borrowed from my pension to keep up with payments to the point where now- it is nonexistent. After the passing of my paternal grandmother, my father inherited money and made a {$5000.00} payment towards my loan and to date I still owe over {$53000.00} on a loan that was three times less than what I originally borrowed. I very much wanted to go back to school to obtain a XXXX XXXX, not just to improve my craft, but also to move up on the pay scale to afford my original payments. However, that meant adding more debt or loans on top of what I already could not afford. With Congress voting consistently on increasing interest rates on student loan debts ; it simply wasnt an option. Not once, prior to XXXX, was I ever offered any type of assistance by the multiple owners of my loan- when I couldnt afford to pay ; they offered only deferment. When forced into deferment, I still made payments every time I received a paycheck. In the thousands of calls Ive made over the last XXXX years, never did any one of these agencies speak to me about student loan forgiveness or more importantly, an income driven payment. In XXXX of XXXX, I received a letter regarding a class action lawsuit against Navient, the owner of my loan at that time. The letter alleged they were criminally negligent for not having offered any assistance or income driven payments to those who qualified and urged me to reach out to Navient. When I called, Navient did affirm the information in the letter was accurate and it was beyond their purview to discuss it further. This is when I began looking into the life of my loan. In the spring of XXXX, I was in a car accident, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was able to take leave from my XXXX position, but ultimately, I had to resign and move home to stay with my parents as I needed support while seeking treatment for my injuries. After a year, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; anyone who has ever had the pleasure of setting foot in a XXXX XXXX XXXX knows you can not XXXX from a chair. In XXXX, my doctors recommended I seek treatment at XXXX XXXX XXXX XXXX in XXXX, so I moved there to continue treatment and acquired a XXXX position. After my contract was up, XXXX XXXX XXXX XXXX XXXX I returned to XXXX XXXX to seek employment within the XXXX XXXX XXXX. After sending hundreds of applications out, without a XXXX XXXX I received ONE call back for an interview and was offered a position in XXXX XXXX XXXX XXXX for the XXXX XXXXXXXX XXXX year. With budget cuts, they were unable to renew contracts of several new XXXX XXXX across the XXXX, myself included, via reduction in force for the XXXX XXXX year. XXXX was and still is my passion. I loved every XXXX that ever walked through my XXXX door, and I miss it every day. According to XXXX XXXX I am a distinguished, outstanding, XXXX; never having received anything less than one 3 in all evaluations. In the summer of XXXX, plagued with thousands of dollars of medicals bills, student loan debt, and XXXX XXXX XXXX, my XXXX career ended. I was forced to move home to live with my parents. In XXXX of XXXX, I took a position working remotely for XXXX XXXXXXXX XXXX XXXX ; a XXXX XXXX based out of XXXX, Michigan. Still in deferment, I made payments on my students loan every time I got paid because at $ XXXX- I couldnt afford my student loan payment to Navient. Even a year later when my company began paying me 1 % of our sales in commission IF I hit my XXXX target, I still couldnt afford them. In XXXX of XXXX, I filed for bankruptcy because I could no longer afford the medical bills and they were charged off in XXXX of XXXX. I was XXXX years old and had never even owned a credit card. In XXXX, I called Navient, pleading with them for assistance and that is the first time I was offered an income driven payment. Neither myself or my parents have any documentation of payment receipts to Salle Mae or XXXX XXXX XXXX because, like many other XXXX XXXX families, they were washed away when super storm Sandy hit in XXXX. I made every payment in full, on time until the Department of Education bought my loan from Navient when the Cares Act was passed in XXXX and my payments were suspended. After living with my parents for more than 5 years, in XX/XX/XXXX I was able to purchase a modest home with the assistance of HUD and XXXX XXXX XXXX, using a {$10000.00} land grant to cover my down payment and closing costs. When the pandemic hit a year later, I remained employed- still at the same rate of $ XXXX making little to NO commission when the XXXX ban was put in place. The pandemic devastated me financially, as almost 80 % of my commission sales stem from my abilities as a XXXX for the XXXX In addition to my student loan payments being suspended, having little more than {$1600.00} a month coming in- I had no choice but to defer my mortgage payments under the cares act in XXXX of XXXX. All my household expenses were paid for using credit cards and I was unable to resume my payments until the border reopen in XXXX of XXXX. Now, my mortgage is {$1400.00} a month, which is a struggle and Im paying at minimum $ XXXX to pay off my credit cards. My {$53000.00} loan has been sold to a company called XXXX. They want almost {$700.00} a month when my payments resume in XXXX of XXXX, which I can not afford. As my company has a policy that commissioned employees are not entitled to annual raises, I will never make enough money to pay off my student loan debt. I am still plagued with XXXX XXXX, but am not XXXX, which limits my employment prospects. I will again have no choice but to defer in XXXX, making whatever payments I can, every time I get paid ; my loan amount will increase incurring interest. I have been employed since I was XXXX XXXX XXXX and because of this debt, I will need to work for the remainder of my natural life, unable to retire. When will I be forgiven, if that even exists? Why were these companies able to take my payments and sell my loan to the highest bidder, playing with my life, leaving me destitute and bankrupt? Why is being educated a life sentence of humiliation, XXXX XXXX and never-ending sleepless nights? I am abashed having to write this letter. I ask again, please investigate my loan ; help me find a solution. I thank you in advance for your time and consideration. | ||||||
| 10/20/2021 | Yes |
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| Navient is my original student loan servicer. Navient sold my loans to the US Dept of Education and XXXX. Navient, US Dept of Ed, & XXXX have all re-aged the accounts below. I sent original documents to XXXX showing my Repayment date and date of first delinquency ( a physical print out Account Details from the loan servicer, Navient ). And, XXXX has rejected the evidence and refused to remove the re-aged accounts. US DEPT OF ED/NAVIENT - ORIGINAL BALANCE {$2300.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX, ( per Navients original documentation ) -- account history shows no payment was ever made ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF ED/NAVIENT - ORIGINAL BALANCE {$280.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF ED/NAVIENT - ORIGINAL BALANCE {$3500.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF ED/NAVIENT - ORIGINAL BALANCE {$1500.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF ED/NAVIENT - ORIGINAL BALANCE $ XXXX Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF ED/NAVIENT - ORIGINAL BALANCE {$1700.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF ED/NAVIENT - ORIGINAL BALANCE {$3500.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF ED/NAVIENT - ORIGINAL BALANCE {$2000.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF ED/NAVIENT - ORIGINAL BALANCE {$2000.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF ED/NAVIENT - ORIGINAL BALANCE {$2900.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. US DEPT OF ED/NAVIENT - ORIGINAL BALANCE {$2800.00} Account Opened on XX/XX/XXXX, Repayment Start Date was XX/XX/XXXX ( per Navients original documentation ) -- account history shows no payment was ever made to this account ; therefore, the account first became 30 days delinquent on XX/XX/XXXX. Account should have been removed in XXXX yet it is still reporting. Additionally- this account has a billing error therefore reflecting the wrong current balance. The Account Details document from Navient ( that I am attaching ) shows that {$2800.00} is the principal balance yet the Loan Details document from Navient shows that {$4000.00} was disbursed. I did not receive the additional {$1100.00}. I contacted Navient about the error, Navient directed me to the school for more info. XXXX XXXX emailed me my Student Ledger which shows {$1100.00} was refunded to Navient yet Navient never credited the account to show that they received the funds. ( {$2.00} is not accounted for ) Billing errors are not the responsibility of the consumer and I deserve a 100 % accurate credit report. I sent the evidence to XXXX, why won't they remove this erroneous account from my credit report? XXXX - ( 2 ) Accounts ORIGINAL BALANCE {$4100.00} ORIGINAL BALANCE {$8700.00} XXXX continues to report that these accounts were opened on XX/XX/XXXX yet Navient 's original documentation & XXXX 's own original documentation shows the accounts opened on XX/XX/XXXX. XXXX purchased the accounts on XX/XX/XXXX and is reporting that the accounts were opened on the purchase date ( XX/XX/XXXX ). The first date of delinquency which led to the charge-off occurred XX/XX/XXXX per Navients records. All of this information has been supplied to XXXX ( original documents that were provided by XXXX and Navient ) yet XXXX still reports these accounts as if they were just opened in XXXX. At the very latest, the accounts should have been removed on XX/XX/XXXX. ( 7 years + 180 days from the first date of delinquency ) Instead, XXXX has been reporting these accounts in delinquent status since XX/XX/XXXX. And, intends to keep reporting them until XX/XX/XXXX ( 11 years in total ). XXXX has also lied, stating on my XXXX report that these accounts were opened XX/XX/XXXX. How is that possible when the documents I am attaching show that they did not purchase the account until a year later in XX/XX/XXXX? How is XXXX reporting payment history to XXXX from XXXX? So many falsehoods are being perpetuated. Per the FCRA most negative credit information can remain on a credit report for 7.5 years ( 7 years + 180 days ) from the date of first delinquency ( XXXX ). The XXXX is the date the consumer first became 30 days late and no further payments were made on the account. This date can not be changed and is only established by the ORIGINALCREDITOR who charged-off the account. If the charged-off account is transferred or purchased by a collection agency, the FCRA Compliance date does not change. Why won't XXXX remove these re-aged accounts even after I have sent documents proving the accounts have been re-aged? What does XXXX gain by continuing to report these inaccuracies on my credit report? | ||||||
| 04/29/2022 | Yes |
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Web | Servicemember |
| XX/XX/XXXX To whom it may concern : Regarding Account Number XXXX During the later part of last year, I XXXX XXXX XXXX and was XXXXXXXX During that time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but unfortunately the calls keep coming in from your collections department as it related to my student loans. I was able to take one of the calls and spoke with a very nice lady who advised me of the status of my accounts, and I advised her that I was currently XXXX XXXX XXXX and I was not working because of the XXXX I was told not to worry, and all my loans would be placed in a forbearance status and would be caught up. I was also advised that all my loans were being transferred to a new servicer sometime around the first of this year and I would receive a letter explaining. I hung up the phone and focused on my recovery assuming thinking everything was fine. The calls stopped and I did receive an email indicating that my forbearance had been approved and to be honest that was the last thing I heard from Navient on my accounts until I received a notification from my credit monitoring application on XX/XX/XXXX and a call from my Veterans home loan officer advising that three of my student loans had been flagged as 90 days past due. I told her that those loans were placed in forbearance status due to the fact I was XXXX with the XXXX XXXXXXXX XXXX. I immediately called Navient and spoke with XXXX on XX/XX/XXXX and explained my situation and he brought my loans current and said he would email me the information I needed to send this letter to your department. I did receive the email but was still very upset about my home loan being placed on hold because I was told that all my student loans were in a forbearance status, and I didnt need to worry about anything. I do need to point out that I received no communication from you telling me there was a problem that I needed to address and fix. I am upset because I was in the XXXX XXXX XXXX XXXXXXXX so incredible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and take one of the many in bound missed calls, I was told by the representative that called me that all my loans would be brought current, and the loans would be placed in forbearances status, and I was not even given the opportunity to work with Navient to fix this issue because I didnt know an issue existed. I called back and requested to speak with a supervisor and was reluctantly transferred to a team lead ( XXXX XXXX on XX/XX/XXXX ) and after explaining my situation again he was not interested in resolving my problem at all or even taking ownership of the issue but did admit that there was fault with the communication from the representative that had contacted me in the XXXX and my loans. In addition, there was some major miss communication as to my loans being transferred to the new lender, I was told by Navient that all my loans would be transferred over the first of the year. When I contacted the new service provider, I was also told they were servicing all my loans. I was very shocked to find that I had three loans that had not transferred to the new lender. Currently my loans are in a hold, and I am waiting on the documents to complete the consolidation of the loans. I am asking that you please communicate to all three credit reporting agencies and please remove the 90-day late payments from my credit reports. I am still recovering from XXXX XXXX XXXX XXXX but more importantly I am trying to make a fresh start by moving into a new home which is now on hold because of this. I Sincerely had no idea that problem existed with my accounts based on the conversation I had in the XXXX and as soon as I alerted that a problem existed. I do understand that this virus has impacted many, but I am asking that you please remove the 90-day late payments being reported to all the credit bureaus. I am just trying to start over and get better from after all the hardship of last year. On XX/XX/XXXX I faxed the documentation as requested from XXXX and followed up with a phone call to make sure the fax had been received okay. I was told that Navient had received the fax and they were forwarding it to the right department. On XX/XX/XXXX I spoke with XXXX in the US call center and advised him that I had been working with a supervisor XXXX on two issues and I would like to be transferred to her. I was told that he would look at the notes and see if could help me and or transfer me to the supervisor. I told him I would prefer to be transferred since I had already gone through the process of speaking with an agent, then team lead and supervisor. Unfortunately, he would transfer to the supervisor I spoken and at ground zero again, explaining everything to a new person XXXX. He then said oh Yeah, we did XXXX the letter something about being in the XXXX we received that on the XXXX and a letter has already been generated stating that my request had been denied. He said you needed needed to send my phone records into support my claim. I told him that I was told to write a letter and the phone records were an option. At that point I asked to speak to a manager at which point I was placed on a hold, and I finally was told that a manager would call me back in 24 to 48 hours and the manager might be on vacation or not in the office. I asked so there is no one that can resolve was told that was the only option. I explained that I have been very proactive and trying to work with Navient to resolve this issue Not less than 2 hours after I hung up the phone> I received a call from XXXX XXXX with the customer advocate department with Navient called advising me that she would be my point of contact and would resolve my problem. She reassured me that the documentation I provided was very detailed and would speed up the process. On XX/XX/XXXX I sent copies via email of all my phone records that showed no calls from Navient except for the calls received from XXXX XXXX as requested. I received an email on the XX/XX/XXXX from her thanking me for the information. From that point on I was told and lead to believe that information was going to be correct on my credit report and based on that information, I was informing my lender. Each conversation I had with XXXX XXXX I asked if there was anything I needed to provide and was told no. She said she was confident that that the information would be removed from my report and would not tell me that if she didnt feel that way. Every conversation I have had with a Navient has been one lie after another and the ultimate price has been my credit and home loan being jeopardized. I have never seen anything like this. I never received a call from an manager and after wasting 12 days with the Customer advocate department and providing the burden of proof on my end and being told that the situation would be resolved with XXXX XXXX. I am told that I need to wait another 24 to 48 hours to get a call from a Manager. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TN XXXX XXXX | ||||||
| 04/19/2019 | Yes |
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| I find that my experience with these loan servicing companies misrepresented to borrowers they were on track for PSLF when in fact their loans would not qualify for PSLF without consolidation. I ascertain that from XX/XX/XXXX until XX/XX/XXXX, Sallie Mae, Navient, and XXXX XXXX XXXX misrepresented to borrowers that they were on track for Public Service Loan Forgiveness, ( PSLF ) when in fact their loans would not qualify for PSLF without consolidation. I began repaying my Student loans in XXXX of XXXX, which were managed by Sallie Mae and then Navient, as time progressed. When determining my repayment plan I would be making, I had informed the customer service representatives from XXXX XXXX to XX/XX/XXXX that I worked for a XXXX XXXX agency and I wanted to be apart of the Public Loan Forgiveness Program . I inquired what steps had to take in order to be eligible for this, and was informed that I would have to enroll in Income Based repayment plan. There was no discussion or information that in order to be eligible I would have to consolidate my loans into a direct loan. I continued to make payments to Sallie Mae and then Naivent, on the Income Based Repayment Plan throughout XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX while I remained working at XXXX ( XXXX ) ( XXXX ) XXXX XXXX, believing that I was still on track for PSLF. In the beginning of XXXX, I learned on Federal Student Aid Website, that if you were working towards PSLF that you should submit the Employment Certification for Public Service Loan Forgiveness form. I began have my employers in completing these forms, and submitted them to the U.S. Department of Education I received a letter from Navient, On XXXX XXXX, informing me that the U.S. Department of Education ( ED ) was transferring your loan account to XXXX XXXX ( XXXX ) because you requested to participate in the Public Service Loan Forgiveness ( PSLF ) Program. XXXX XXXX ( XXXX ) is EDs servicer that provides customer service for all federal student loan borrowers who are potentially eligible for PSLF and tracks their progress toward qualifying for PSLF. This change in servicer will not impact the existing terms, conditions, interest rate, or available repayment plans of your federal student loans. Your loan account will be transferred to XXXX XXXX ( XXXX ) on or about XX/XX/XXXX. If ED doesnt transfer your account as planned, well let you know. I received a three letters from XXXX XXXX XXXX on XX/XX/XXXX, stating that I had 7 student loans ( Direct Sub Stafford, Direct Unsub Stafford, Federal Stafford Loans, and Federal unsub Stafford loans ) transferred over to their program. It stated Information Regarding Your Eligibility Tracking for Public Service Loan Forgiveness We will calculate and provide you with notification of the number of qualifying payments you have made during the period ( s ) of qualifying employment, the estimated number of payments that are still required, and the date you are expected to be eligible to apply for forgiveness. Because each account must go through a detailed review process, providing you with these details may take a great deal of time. Expect to hear back from us no sooner than 90 days from today. There was no mention that any of my loans that were transferred to them were ineligible for Public Service Loan Forgiveness ( PSLF ) Program, unless they were consolidated. Four of my remaining student loans ( Stafford Subsidized and Stafford unsubsidized loans ) remained to be serviced by Navient. From XXXX until XX/XX/XXXX, I awaited for XXXX XXXX XXXX to certify my remaining employers and completed the above calculations. Again, there was no mentioned that any of my loans were ineligible for Public Service Loan Forgiveness ( PSLF ) Program, unless they were consolidated. I sent an email and submitted a letter to XXXX XXXX servicing on XX/XX/XXXX inquiring as to the status of calculations of my qualifying payments during period of qualifying employment, the estimated number of payments that are still required and that date that I would be eligible to apply for forgiveness. I received an email response from XXXX XXXX XXXX on XX/XX/XXXX stating We apologize for not yet being able to provide you with the number of qualifying payments made toward Public Service Loan Forgiveness ( PSLF ). Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. I called XXXX XXXX XXXX XX/XX/XXXX to inquire about that status of my calculations of my qualifying payments during period of qualifying employment, the estimated number of payments that are still required and that date that I would be eligible to apply for forgiveness. The representative that I spoke to, then informed me that four of my student loans ( Federal Stafford Loans, Federal unsub Stafford loans ) totaling {$28000.00} were not eligible for forgiveness, as there were not a Direct Loan. No one in any prior communication at Sallie Mae, Navient, or XXXX XXXX XXXX, prior to XX/XX/XXXX, had informed me that I had to consolidate these loans in order to be eligible for the Public Loans Forgiveness Program. I then inquired about the four remaining loans that at were not transferred over to XXXX XXXX XXXX when I applied in XXXX and remain being serviced by Navient ( Stafford Subsidized and Stafford unsubsidized loans ) totaling XXXX. I had informed her that I was under the assumption, that all loans that the U.S. Department of Education transferred over to XXXX XXXX XXXX were eligible for forgiveness totally approximately {$50.00}, 000. I was under the impression that my remaining loans at Navient ( approximately {$8000.00} ) were the only ones there were not eligible for forgiveness. The customer service representative was not aware of my loans at Navient and was unable to explain why these loans did not transfer over to XXXX XXXX XXXX in XXXX with my remaining loans. I was transferred to a supervisor who was also unable to explain why I continued to have loans with Navient and informed me that if wanted these loans to be eligible for Public Loan Forgiveness, that I would have to consolidate all Federal Stafford Loans and Stafford Loans into one direct loan of approximately 38,000. I would then have to make 120 ADDITIONAL qualifying payments prior to those loans being eligible for forgiveness. None of my prior qualifying payments that I had made towards these loans over the past 7 and half years while working for XXXX ( XXXX ) ( XXXX ) XXXX XXXX could or would be applied for Forgiveness. I find that my experience with these loan servicing companies misrepresented borrowers they were on track for PSLF when in fact their loans would not qualify for PSLF without consolidation. I have begun the process to consolidate my ineligible loans at this time. However, All loan payments that I have made towards these loans, during periods of qualifying employment, should be counted retroactively towards PSLF from time that I was informed that I had to consolidate my loans on XX/XX/XXXX. I should not be penalized for information that was never communicated to me. | ||||||
| 07/18/2017 | Yes |
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| InXX/XX/XXXX I started my last semester at XXXX XXXX XXXX XXXX. I met with the financial aid office to confirm the details on the private loans I borrowed. I inquired about consolidating the private loans and they referred me to get in touch with the lender/servicer. In addition, around this time, I experienced personal family issues that affected my academic progress. I inquired about withdrawing from the courses but the deadline had passed. Low grades for the last two semesters affected my overall GPA. I left the school with a low GPA and did not return. By XXXX I received notices for the repayment terms on the private loans. I contacted the lender, XXXX XXXX about options for consolidating. I was informed by the rep on the phone that private loans were not able to be consolidated at this time. I returned to the school and was very upset. The interest rates on the private loans were high ( 13.25 % ) and variable. I would have never agreed to these loan terms if I could not consolidate and get a lower rate for the repayment period. I was accustom to this practice when dealing with my federal loans. I was aware the interest rate on the private loans would be higher but still a reasonable rate ( less than 10 % ). At this point, I focused on getting more work and contacted XXXX XXXX on a regular basis till I was able to consolidate the private loans. My first payment was {$900.00} per month. I could not afford this. I started applying for jobs in XXXX XXXX - I prepared over 25 resumes ; there was no work that could make the loan payment of {$900.00}. I stayed with my current employer as a XXXX XXXX XXXX XXXX making on average XXXX per year. I applied for forbearance on the private loans to prevent default. XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX *original loan documents are in storage overseas ; I will have access to them when I return in XX/XX/XXXX - these figures were acquired from notes I had stored in my calendarXX/XX/XXXX Forbearance in 6mos intervals {$150.00} fee for each request - all requests approved Loan details - original loan amounts before interest capitalized after courses were finished cosigner : family member XX/XX/XXXX {$5100.00} 9.25 % # XX/XX/XXXX cosigner : family memberXX/XX/XXXX{$45000.00} 13.25 % # XXXX XXXX XXXX borrower : XXXX *missing information - guess {$24000.00} XXXX XX/XX/XXXXPrivate loan approved for consolidation with cosigner : family memberXX/XX/XXXX XXXX XXXX XXXX paid in full {$100000.00} XXXX adjustment {$100000.00} Once the loans were consolidated the interest rate fell below 10 %. I was unable to make payments of {$1200.00} per month. It took me a few years to plan and take action. I could not pay this amount and was unable to find work making more than XXXX per year. I lived in a shared house and managed a tight budget. The cost of living was high ; I needed to move and look for work in a new industry. My background was in the XXXX XXXX XXXX XXXX and XXXX I decided to start a XXXX career XXXX working for a XXXX XXXX From the years XXXX - XXXX I struggled with XXXX due to my financial profile and family issues. Despite my circumstances I was determined to live a full life knowing that I would not be able to buy a home or perhaps have a family. I was in my late XXXX 's to early XXXX 's. By XX/XX/XXXX, I completed a XXXX XXXX diploma and was hired full time as an XXXX XXXX at XXXX per year in XXXX. I lived in a city with a low cost of living, good public transport, and in shared housing for one year. The following year I moved into a studio apartment where I remained for five years. In XXXX I made regular payments of {$1200.00} per month. These payments were on time and regular for three years. By XX/XX/XXXX I applied to have the cosigner released and was denied with no specific reason. The second time I applied for the cosigner release I was denied again based on my income to debt ratio. At this point, I was very upset. My cosigner was diagnosed with XXXX and XXXX XXXX XXXX XXXX XXXX ; she was also a XXXX XXXX. By XXXX, it was clear I had to take a break from XXXX as advised by medical professionals. I enrolled in an online course through XXXX XXXX XXXX College to explore a direction in XXXX XXXX XXXX while XXXX full time. The private loan was in a deferment period at this time. My health finally caught up with me ; the XXXX I had struggled with for years was an outcome from living with XXXX XXXX XXXX, in addition, symptoms of XXXX XXXX were present. I left XXXX full time inXX/XX/XXXX due to medical reasons. I worked as a part time XXXX ( XXXX ) from XX/XX/XXXX- XX/XX/XXXX. During this time my income was supplemented through government benefits to support treatment and recovery. While in treatment and recovery, I realized that a hard past contributed to some of the struggles I was working through. I grew up in a XXXX XXXX XXXX family raised on a XXXX 's income in a racially conscious city with rough neighborhoods. A survivor of multiple XXXX XXXX and XXXX XXXX from a police officer at the age of XXXX yrs ( I was in the wrong place at the wrong time ). I underwent a successful treatment and recovery for XXXX and XXXX XXXX XXXX before returning to the U.S. in XXXX. From XXXX to the present. There was a change in the repayment terms on the private education loan. I qualified for the rate reduction program ; it was a new program that started in XXXX. The interest rate was dropped to 1 % and a lower payment was calculated based on my income and the cosigners income. From XXXX - XXXX I was making payments from {$1100.00} to {$1200.00} per month. At the end of the year the principal was barely affected ; I was paying the interest that accrued for the year. By XXXX my payment was cut in half {$540.00}, the interest was dropped from 8.25 % to 1 % and for the first time my principal was actually decreasing. By XXXX my contribution to the loan was XXXX and the cosigner 's XXXX. We are close to paying off the original loan amount. Unfortunately, the interest that has accrued over the years leaves the balance of the loan at {$140000.00}. At this time, the cosigner 's health has declined and she will need to leave full time XXXX by XX/XX/XXXX. I have returned to the U.S. to start a Ch. XXXX Bankruptcy ( to setup a repayment plan that fits my income ), get work experience as a XXXX, and apply for XXXX XXXX with a full scholarship. I am able to work while managing XXXX XXXX, it is just a matter of finding the right employment that suits my strengths. Currently my loan payment is {$590.00} per month. Due to the cost of relocating to the U.S. I can barely afford this payment of a XXXX XXXX 's salary in the XXXX XXXX ( for XXXX and XXXX XXXX ). In fact, as of right now, the school year has ended, the rest of my savings was spent on medical bills, and I am homeless ; a XXXX XXXX XXXX at the age of XXXX. It is temporary. I am marketable and a permanent position will come up, I have only been in the area four months. I believe I will get through this but I need help. *I have the original loan documents in storage overseas, I will get them as soon as I can | ||||||
| 04/12/2018 | Yes |
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| Hello Customer Service, Applied for school at XXXX in XX/XX/XXXX and dropped out half way through the 1st Semester. XXXX applied and received amounts totaling XXXX for both Subsidized and Nonsubsidized loans combined for 2 semesters on my behalf. At this time, it was still XXXX XXXX. I was approved for the loan and XXXX received this money. After dropping out before completing the 1st semester and not attending the 2nd semester, that money that was given to them on my behalf, has to be returned to XXXX XXXX from XXXX. Somewhere during this transaction of the refunds, their was an error, either on XXXX or Navient. Neither side is taking full responsibility. I am in very much disgust, however, because this was brought to both Navient and XXXX attention back in XX/XX/XXXX whenever the bills from XXXX XXXX started arriving claiming an even higher amount that should have all been refunded from XXXX. Me, myself, called year upon year both sides and told them that something wasn't right about the account and I refused to pay something that wasn't owed. I signed forbearance agreements and deferment agreements just to get this put off as long as possible until someone decided to agree and help with the situation. The money that should have been refunded, as you can see from the XXXX ledger attached, was XXXX on the XXXX and XXXX on the Non-Subsidized. This would leave a balance of XXXX owed on XXXX and XXXX on the Nonsubsidized. This is what also showed on XX/XX/XXXX viewing of NSLDS, however, on my viewing it shows the full XXXX for both loans combined + whatever interest and late fee accruals have been added on since this loan was 1st disbursed in XX/XX/XXXX. If these people would have heard me out, when I first told them this was wrong, the forbearance and deferment could have been avoided, but no one wanted to help and try and look deeper into the situation. XXXX has advised me, that they were unable to find any bank records from that far back on whether or not the transaction failed electronically when the money was refunded back to XXXX XXXX. Therefore, they can not prove that their company wasn't in fault their-selves. When this was brought to their attention again, after about the 50th time, finally someone from the XXXX branch looked further into this issue that I was claiming and decided to take it to a corporate level. This is when we were told that they couldn't locate any bank records. With this information being invalid and unable to locate, they refunded the money again to Navient ( XXXX XXXX bought out my Navient ), in the amount of XXXX and XXXX in XX/XX/XXXX. You can also see this transaction on their accounting ledger based on my account. This sounds like to me, they are taking a little responsibility for this error? Navient applied the money that was sent the second time and noticed that their was a accounting XXXX on their end back in XX/XX/XXXX when this 1st occurred and received all of their money back. I'm not sure, I wasn't involved in any of this communication, but this is the information that I was given. XXXX XXXX and XXXX XXXX both had correspondence through Navient that they have been speaking during this whole process. I have asked numerous times for a contact or someone that could help me in getting my account resolved because at this point, they were just trying to re-coupe the money they had just sent and point the finger at Navient for full responsibility. I have tried myself numerous times to reach out to someone at Navient, however, all I ever talk to is someone of different ethnic background that doesn't understand the situation and XXXX and XXXX were both working for the school to try and prove that Navient was the one at fault here. The 1st payment to Navient was in XX/XX/XXXX and I paid them a total of XXXX combined for both loans. This is actually more than what was originally owed. You can see the breakdown of payments/interest accrual ( based on an incorrect amount ) / and late fees on these attached PDF documents. I'm not sure what happened from this point, this was all communication between someone at Navient / XXXX and XXXX, but the last email I received was that my account was up to date and corrected and all late fee and interest accrual had been adjusted. I received this information from XXXX and I advised her that it was still incorrect. This is when I was contacted by XXXX XXXX, also with XXXX. XXXX XXXX has been in contact with Navient, since XXXX and XXXX have stepped out and advised me just the other day that everything was right on my account and the XXXX was still owed. I told him this was incorrect and he needed to do the math. The interest rates and late fees during the deferment and forbearance periods should have been a lot lower based on the original amount that was owed not the overcharged amount that was showing in the transaction history. Navient still showing a balance on my end and have charged late fees like crazy during this process. I advised XXXX and XXXX that all that needed to come to a cease until all this was figured out. I also advised them that I wanted detailing information regarding all adjustments that were made on my account. I haven't received any of this. The XXXX still shows on Navient but NSLDS is showing a XXXX balance. This sounds like to me again, misreporting on Navient end. I am waiting to hear back from XXXX regarding any information he has gathered from Navient, but its almost like pulling a tooth to get any information out of him. He did advise me a few days ago that I needed to reach out to an advocate person at Navient that would handle all communication between myself and them. The problem I'm having with all this is I have told both parties about this error since XX/XX/XXXX and nothing has been done to fix it. I apply for loans and get turned down because this loan is showing bad on my credit, even though I have kept up paying it. I do not owe them any more money and that is another issue I'm having problems with. I have already paid in full what is owed to them. I want from these people, either Navient or XXXX : or both, some kind of fix to this issue. I want my Credit fixed more than anything and I want to put all of this behind me and not have to worry with either of them anymore. Everyone is just trying to save themselves from a lawsuit, because I have spoke with lawyers regarding this matter and " defamation of character ''. I'm not sure what you guys can do for me but I would really appreciate your time and effort into getting this entire matter resolved and both parties to be held responsible for making the last 10 years of my life difficult. Please feel free to give me a call or email if you have any questions or concerns. I tried breaking it down the best I could but their may be some information that was left out. I am showing a XXXX balance on my credit report for both subsidized and non-subsidized loans, but both are showing past due and CLOSED on their end with a XXXX balance on both. I can provide proof of this from my credit report. Thank you. XXXX XXXX | ||||||
| 03/02/2020 | Yes |
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| In XX/XX/XXXX, I saw a notice on the Navient website telling me that I needed to submit my yearly Income-Based Repayment ( IBR ) recertification. I went to the Studentaid.gov website and did this on XX/XX/XXXX. I soon received an email from Studentaid.gov that I'd done this recertification too early. The notice was confusing in its wording, and it conflicted with the online notification I'd received from Navient that I needed to recertify. It said the following : -- -- - " Our records indicate that you are not due to recertify your income until XX/XX/XXXX. If this date has not hit yet, and you select this option, your servicer will not re-calculate your payment based on your updated information until XX/XX/XXXX. If you want your payment to be immediately recalculated, select the third option to have your payment recalculated immediately for the income-driven plan you are currently enrolled in. '' -- -- - The implication from this is that the servicer would wait to recalculate the updated information and would not do it right away. It clearly does NOT mean that the calculation would not be performed at all, and that the recertification application was invalid. As a result, I decided to let the recertification stand, confident that it would soon be valid, if not right away. On XX/XX/XXXX, I received the following notice from Navient : -- -- - " XXXX, were unable to process your Income-Driven Repayment ( IDR ) plan Recertification Request at this time. You submitted your request before the recertification period. What you need to know : The recertification period begins 95 days prior to the expiration of your current IDR plan. If your intent was to have your IDR plan recalculated, please be aware that your Monthly Payments may increase if your family size and/or income has increased. What you need to do : If you would like to request that we recalculate your IDR plan, please log in to your account at Navient.com to download another form, or visit StudentLoans.gov to reapply. '' -- -- - Taken with the previous Studentaid.gov notice, I did not see this as contradictory, or as a notice that my IDR plan would not be recalculated at all ( since my family size and income had not changed ). Instead, I saw this as a notice that although I'd done the recertification application slightly early, it would still be valid ( because of the words " at this time '' ). I then received notice from Navient on XX/XX/XXXX stating that I had been granted an in-school deferment for the same loans that I was applying for recertification on. This message was contradictory to the previous messages and was confusing, implying that I didn't need to worry about recertification since I was in school. I subsequently received notice from Navient on XX/XX/XXXX stating that it was time to do my annual IBR recertification. Because I had already done this, and because of the wording in the previous messages I'd received, I thought the recertification I'd completed on XX/XX/XXXX would suffice for this. I also received a notice on XX/XX/XXXX of a pending change in loan terms ( putting me back on a standard repayment plan ). I had seen this before in previous years, and as with previous years, I interpreted it as a boilerplate notification of the change in terms that would occur if I did not recertify my IBR plan. Since I had done this recently, and since Navient had ( I assumed ) only just started working on it on XX/XX/XXXX, I was unconcerned by this. ( I also thought it might have to do with my dropping below half-time status in school, but since I'd already submitted my IBR recertification, I still saw it as not immediately relevant. ) On XX/XX/XXXX, to my surprise, I received notification that I was indeed entering standard repayment, and that I would have a large payment due shortly. Alarmed and surprised, I called Navient on XX/XX/XXXX and spoke to a customer service agent named XXXX. My notes from that call are as follows : -- -- - Call : XXXX XXXX, XX/XX/XXXX : Saw income-based renewal application in system. Unsure why wasnt processed. Checking ( Im on hold ). Said renewal app was sent too early ( XX/XX/XXXX ) and needed to be re-sent. She took me off autopay in case its not processed by XX/XX/XXXX ( the next payment date ) so I dont get billed with a massive payment, although she said the recertification application ( which I just did again ) should be processed by then. She said if it isnt, call them and theyll sort out the payment. -- -- - Panicking, I submitted a new IBR recertification per XXXX XXXX recommendation. On XX/XX/XXXX, I noticed that an extremely large amount of interest ( {$110000.00} ) had been capitalized in my account on XX/XX/XXXX. I took this to be related to the mixup over the IBR recertification, as I have owed a large balance for many years ( and been in and out of school since then ), but interest had never capitalized in this manner before. I called Navient again on XX/XX/XXXX and spoke with another agent about the interest capitalization. My notes from that call are as follows : -- -- - Call : XXXX (? ) ( female ) XXXX XX/XX/XXXX : I noticed interest capitalized ( {$110000.00} on XX/XX/XXXX ). I was concerned about the capitalization, and also about my loan forgiveness schedule, if it would reset. XXXX said a lot of things happened at once. Deferment ended and renewal ended. She said an email was sent in XXXX asking me what I wanted them to do. I pointed out that I had just done the renewal application so I didnt think I needed to let them know. She sent the team an email and documented all this in my account. She asked for a reversal on the capitalized interest because I had done my renewal application in good faith. -- -- - Nothing happened. I called Navient several times after that to follow up, but my inquiries seemed to just disappear. The following are notes from subsequent calls : -- -- - Call : XXXX XXXX XXXX, XX/XX/XXXX : Re : capitalized interest I reiterated my story. She said XXXX had already sent a notice/request to the back office to look into it. She said I should receive a letter with outcome and next steps. She said if I havent heard anything by EOD next Weds ( XXXX ), call back on Friday XXXX. -- -- - Status check on XX/XX/XXXX : still nothing. -- -- - Call : XXXX XXXX XX/XX/XXXX : She checked and said its still under review regarding timing of when various things occurred in the process. She didnt have a timeline for completion. -- -- - I never heard back on this issue. It just disappeared. My main concern is that the large amount of interest that capitalized will massively affect future interest going forward, i.e., I will be paying interest on a much larger amount of principal than I otherwise would have. This is not acceptable. I tried to work within the system in good faith, and this error was largely due to communication issues, ambiguous wording, and contradictory wording, yet I am being penalized heavily for it. Thank you in advance for your prompt attention to this matter. Sincerely, XXXX XXXX | ||||||
| 01/08/2019 | Yes |
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| On XXXX XXXX, I received an email that my 12-month Income-Based Repayment ( IBR ) period will expire soon. To continue with the plan, please reapply by XX/XX/XXXX. On XX/XX/XXXX, I applied for the Income-Driven Repayment ( IDR ) plan and provided my income from the used the IRS Data Retrieval Tool. I got an email confirmation stating that If you used the IRS Data Retrieval Tool, certified that you have no income, or already sent your income documentation to us theres nothing you need to do now. On XX/XX/XXXX, I received an email statement that had my account summary : I was under the assumption that this would be my new payment. Around XX/XX/XXXX, I began seeing notices that they havent received any renewal forms from me regarding a payment plan. So, I sent an email on XX/XX/XXXX at XXXX Hello, I have renewed my IDR plan online but I keep seeing a notice that I haven't completed it. What more does NAVIENT need to complete my renewal? thanks. XXXX Their response came on XX/XX/XXXX : Dear XXXX, Thank you for your inquiry. We received your application and/or documentation to renew your Income-Driven Repayment ( IDR ) Plan payments on XX/XX/XXXX. Note that the IDR renewal process may take at least 30 days, depending on the forms and documentation you submit. You will receive notification when your request has been processed. We're here to help If we may be of further assistance, visit us online or give us a call at XXXX, Monday through Thursday, XXXX XXXX to XXXX XXXX, and Friday XXXX XXXX to XXXX XXXX, ET. Sincerely, XXXX, your Navient XXXX Representative Navient - Department of Education Loan Servicing On the same day ( XX/XX/XXXX ) - XXXX, weve received your recent electronic application. Thank you for your interest in an Income-Driven Repayment ( IDR ) plan. If you used the IRS Data Retrieval Tool, certified that you have no income, or already sent your income documentation to us theres nothing you need to do now. If you havent submitted income documentation or your income situation has changed, please send us your income documentation as soon as possible so we can review your application. I got a third email on XXXX- On XX/XX/XXXX, your Monthly Payment for your loans enrolled in an Income-Based Repayment ( IBR ) plan is set to increase to {$880.00}. This is the maximum amount youll be required to pay each month while youre in an IBR plan, but you may be able to lower your Monthly Payment if you qualify for a new 12-month partial financial hardship period. This payment is based on a 10-year standard payment amount calculated at the time you initially entered your IBR plan. If you recently ended your partial financial hardship period, Unpaid Interest was capitalized ( added to your principal balance ). We will remind you annually of this option. On XX/XX/XXXX- I asked for clarification on all the various messages I was receiving since XXXX and they responded by saying : Dear XXXX XXXX thank you for your inquiry on your application for Income Driven Repayment. We received your application on XX/XX/XXXX and have not yet completed our review. It can take us up to fifteen business days to complete our review and notify you of the results. In order to defer the XX/XX/XXXX, payment due date to allow time for us to complete our review, you may want to request a deferment or forbearance from our website. Deferment allows you to postpone payments on your eligible loans while youre in school, during an internship, unemployed, a fellowship, or some other qualified deferment activity. The federal government may pay the accrued interest on some subsidized loans during periods of deferment ; however, youre responsible for the accrued interest on the unsubsidized loans. Unpaid interest may capitalize ( added to the principal balance ) at the end of the deferment period unless you choose to make interest payments during the deferment. Forbearance allows you to postpone payments if youre experiencing temporary financial hardship and are not eligible for a deferment. During forbearance, youre responsible for all accrued interest. Any unpaid interest may be capitalized ( added to the principal balance ) no more frequently than quarterly and at the end of the forbearance period. Its important to note that you will lose eligibility to receive any borrower incentive or benefit requiring on-time payments if you elect to have a Voluntary Forbearance processed on your loan ( s ). To review your available deferment and forbearance options, log in to your account at Navient.com, select Repayment Options on the main menu, and select I need to stop making payments for a while option. If we may be of further assistance, visit us online or give us a call at XXXX, Monday through Thursday, XXXX XXXX to XXXX XXXX, and Friday XXXX XXXX to XXXX XXXX, ET. I spoke with one of their representatives about the conflicting messages and that I was confused about the whole process. They recommended that I get on a forbearance plan until the IDR was processed. So, I applied for the forbearance and they sent me an email on XX/XX/XXXX approving the temporary Forbearance plan. Then, on XX/XX/XXXX, I get another email about an updated payment schedule on my loan due on XX/XX/XXXX. These exchanges went back and forth until XX/XX/XXXX. I requested to escalate my issues to one of their customer service reps and they told me I no longer qualify for the IDR or IBR plans due to my husbands high income and that I can only be entered into a Graduated Repayment plan in order to pay the least amount per month, which was still a very unaffordable payment plan for me. On XX/XX/XXXX, they sent the details of this new payment plan ( GRP ) which will end up making my principal of {$86000.00} into a total of {$200000.00} by the end of the payment term. Now, Im thinking my new payment per month is {$460.00} but on XX/XX/XXXX, I get a statement from Navient saying my new balance is XXXX. I then received another statement on XX/XX/XXXX for {$310.00}. With all of this confusion, I reached out to Navient again on XX/XX/XXXX letting them know their actions is causing me confusion and Im not sure what Im supposed to pay. Their insufficient response was : Dear XXXX, Thank you for your inquiry regarding your student loan payments. We hope you find the following information is helpful. After reviewing your account, our records show that your account is enrolled in the Graduated repayment plan. Under this plan, your student loan payment amount will be increased to ensure the full remaining balance of your loan is paid within your repayment terms. Your monthly payment amount has recently increased to the amount of {$460.00}. This payment amount will become due for the first time on XX/XX/XXXX. Theyre not explaining why Ive gotten so many conflicting messages from XXXX until now. I now have interest accrued on my balance during the unnecessary forbearance period. They could have told me I was not eligible for an income based payment plan when I originally applied for it back in late XX/XX/XXXX. | ||||||
| 11/26/2017 | Yes |
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| Sunday, XX/XX/XXXX To Whom It May Concern : I called Navient the beginning of XX/XX/XXXX to ask them to pull my private student loan from auto-pay because I had some medical bills crop-up that needed to be addressed, and was not able to make the payment that month. I had asked for a one-month forbearance. While on the call, they could remove it from auto-pay and grant the forbearance over the phone. I accepted the terms and received an email confirmation of this. They advised me to call back in a month to re-enroll in the auto-pay, so that I could get it back on track. I then called back on XX/XX/XXXX and spoke to XXXX # XXXX at Navient to discuss the status of the loan and that I would need a little extra time before getting the loan back into auto-pay to continue making payments in a consistent and timely matter. The rep said that the forbearance had never been put into motion from my previous call to Navient in XX/XX/XXXX and was showing 30 days late. She said that if I scheduled a payment of {$51.00} that they would reinstate the forbearance that I initially tried to get and would bring the account current and not report to the credit bureaus as a late. The rep stated that I would have until XX/XX/XXXX which is the date that my payments are due every month - to call back and make the next payment and or re-enroll in the auto-pay again. I accepted the same terms again, noted the communications I had with her and made a reminder to call back on or after XX/XX/XXXX. Upon calling Navient on XX/XX/XXXX, by speaking with the rep XXXX, # XXXX, I had discovered that the loan was now 60+ days late since both reps I had previously spoken with were negligent, and did not give me the proper information, and that I had no forbearance time to use to begin with, and yet however the {$51.00} payment I had made to bring the account current was still extracted, and now owed 3 months worth of payments due. I was infuriated by their neglect and mis-information, so I asked to speak with a manager in their department. I was patched-over to XXXX XXXX, # XXXX. I explained the entire situation as noted above to the manager, XXXX. After looking at my file - XXXX stated that there were discrepancies due to misinformation that was provided by both the reps that I spoke with back in XX/XX/XXXX, and XX/XX/XXXX, and that the fault was on their end. I filed a complaint with the manager. She stated that the state of the account was very close to being reported to the credit bureaus but will push the complaint through, and would reach-out to their retraction department to retract the information that is being sent to the credit bureaus, so that it would n't hurt my credit rating / report. She stated that this process takes about 3-5 business days, and that they would call me to follow-up once it had been completed. About a week or so later, I had never heard from their department, so I called back again and asked to speak with XXXX and she was not available. So, I explained the situation to the rep on the phone - XXXX # XXXX, and she considered the account and confirmed that the account was now showing as current and that they had retracted the late remarks that were showing-up on my credit files. About a few days later, I noticed that they in fact, had been removed and that my credit file was again in good standing. I then assumed that everything had been straightened out, and would then continue to make my normally scheduled payments. I had to call Navient on XX/XX/XXXX - to discuss my federal and department of ed loans, and the rep on the phone stated that my private loan was showing 62+ days past-due. I was baffled because I thought that I had worked all this out as noted above. I then proceeded to discuss my federal and DOE loans while on the phone before being transferred to the collections department for the private student loan matter. I had re-explained the entire situation yet again to this rep, and was furious because I thought that all of this had been worked out. I asked to speak with the previous manager that I had been speaking with, XXXX XXXX - who again was not available. They put me in touch with another manager in the department, XXXX XXXX - # XXXX. I had to explain the entire situation to him as well as it seems that they do not document anything. This manager was very rude, and did n't seem to care about any of this and sounded as though he just wanted to be off the phone with me. I had to get very stern with him because I felt as though he did not want to help - and had to keep reiterating the situation, and came to find out that he acknowledged the {$51.00} payment on XX/XX/XXXX - and the following full payment I had made for XX/XX/XXXX, and that they had all the previous information from my calls in their system. He acknowledged wrong doing on their part from all reps that I previously spoke with. He stated that by now - the loan should have re-entered auto-pay and should be current but that there was some issue or conflict with the auto-pay and retractions to the credit bureaus, but that the errors were all on their end and would need to be fixed, and that he had to contact another manager in his department to get it all cleaned up. He stated that that manager was in a meeting and he could not reach them, but that they would consider it as soon as they can and get it cleared up yet again and do everything that they could to prevent it from report to the credit bureaus because it was their fault. He said that I could expect to hear back from them in a few days, which I never did. I received a notification from Experian that my credit rating had dropped 50+ points due to my Navient Private Student loan account being 60+ days late showing from XX/XX/XXXX. I am certain that this has everything to do with all the issues that I have been having over the last few months regarding the situations noted above. And I am confident that nothing has been done about all the errors that are being made. I will be reaching out to Experian to dispute this, and will be calling Navient this upcoming week to file another complaint, however am not confident that they will do anything to help me at this point. I am hoping that by reaching out the CFPB, something can be done to pressure Navient into clearing all this up, so that I dont keep suffering from their errors and misinformation that is being given to me. I am asking that they ensure that the credit reporting that is erroneous be retracted, as well as consider the {$51.00} payment that was made for no apparent reason and possibly be refunded to me, since it did absolutely nothing to remedy the account. Overall, it is very concerning to me that I pay this company every month to satisfy this loan and they cant seem to get it together and help their borrowers or fix their mistakes, none the less follow up with me - and I am the one who gets the brunt of it. Please help me get this resolved. Thank you, Navient Borrower | ||||||
| 11/07/2023 | Yes |
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Web | Servicemember |
| For over 10 years i have been forced into making payment arrangements on loans that i have no idea what i am paying for at this point. I have requested multiple times info on what the charges were stemming from way back from XXXX XXXX and now navient and to date have not been provided with anything showing what i am being charged for. I have been referred to the colleges each of whom have advised they can not provide me with any of the information requested as its unavailable. I am former military and had the Montgomery GI bill which was used to pay for my college. I am not understanding how this balance is accurate. I have sent letters to my congress and senators offices and President Biden XX/XX/XXXX and to date i have still not been provided with any documentation from the carrier advising what the balance is from what classes, books tuition etc to verify why i am being advised i owe multiple different amts for student loans. I have notified navient at one time that i was contacted by a collection agency advising that the balance had been taken over by their company and provided a totally different balance than what Navient was advising of and when i advised them of this information i was advised that i would disregard the collection agencies info and work with navient as they took back the acct and the collection agency was no longer collecting. I advised i had received the letter that day and questioned the difference in the balance and again asked for documentation showing what this balance was from. I then explained it is against the law for two different agencies to collect on the same debt and that this should be done away with due to the negligence in the collection practice they were following with two companies involved and we are still fighting the same balance but different totals today. I am at this time refusing to make payment arrangements with them because i am not sure what im arranging to pay for nor have they provided this information. and since this information was even requested on XX/XX/XXXX with no reply at this time i am asking that the law be enforced and each of these loans be removed from my credit report and any further collection activity is ceased from this company. I have been forced for over 10 years to agree to pay a balance i have not agreed i owed. I went to the military specifically to pay for college and i earned my GI Bill for my service which paid for my schooling. I have been sick and still trying to fight them which has ruined my credit dropping my score over XXXX for their erroneous billing. Please assist me with getting this balance removed from my credit as navient has been found to have very fraudulent billing practices, we are forced into payment arrangements that are not ones that would be knowingly made had we been accurately assisted with the way they have been putting loans into forbearance or deferring with high interest rates causing hardships for millions of us across the country. Please help as their practices and responses are as if they do not care and do not care to resolve any issues they say i owe it and feel they are correct when the entire time they have been asked for proper documentation including last requested XX/XX/XXXX they should be forced to follow the law and remove since it has been over 30 days. Please help i am just finding out i can submit this request for assistance and i am seeking help as i am in dire need as they have not followed up to provide any information requested of them. letter sent to then in XXXX and provided to President Biden and Arizona Congress and Senators office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX XXXX XX/XX/XXXX President Joe Biden XXXX XXXX XXXX XXXX Washington DC. XXXX Dear Mr. Biden, My name is XXXX XXXX and i am writing this letter requesting assistance from my superiors. I am at my highest level of frustration and can not find any assistance. So i am writing all of my legal representatives for assistance. I am former military and went to the military for college money. I was promised to receive my Montgomery GI Bill when i was XXXX. I went to college 2 semesters and being asked to pay over XXXX that I have requested proof of my debt from Navient for over 10 years now including this year and have not received to date. I have advised them on multiple occasions that they are illegally attempting to collect on a debt. They have had the same account with another collection agency which had a totally different amount due and when advised that they can not have the same debt at two diff companies with two different amts being due they advised that the other company is no longer collecting they are and still to date has not provided anything that shows what this balance is stemming from. Due to the confusion on the amt due and the company that is collecting i became even further concerned on the billing practices and i began to refuse to make arrangement because i have always stated to them the debt is not valid and agreed to arrangements because they were to be investigating the issue but i never receive any type of reply or follow up. I have only been sent a paper that states it was a promissory note that was electronic that stated i received a loan. I have no information or access to verify anything about this debt. There is no breakdown on the classes, books, fees etc. I was told to obtain this information from the college. I went to the college not once but twice, spent hrs and sent here and there and was advised they have no access to the records and could not direct me on where i could obtain this information at. So again direction navient and sallie mae has provided during this tenure leads me to nothing when trying to verify what this debt entails. For the reasons listed above i am asking that Navient be forced to follow the law when they have not successfully provided anything that shows what the charges and the balance is stemming from. To add further frustration, i have asked them NOT to call me as i wanted information in writing and still to this day they are contacting me daily and multiple times a day which is against the law. They have also started calling another number i am associated with when i have asked multiple times to correspond in writing. I would ask for the max penalty per call for them contacting me via phone when asked not to do so. I am asking that this fraudulent billing which has dropped my credit score over 100 points be removed from my credit and they follow the law and no longer attempt to collect on a debt that they did not prove in 30 days from my dispute this year, or any previous years. They should not be allowed to continuously violate the law and destroy my credit in the process of them fraudulently billing me for a balance that has not been validated at any time they have been asked to do so. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX : XXXX | ||||||
| 12/31/2018 | Yes |
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Web | |
| On XX/XX/XXXX I received an email from Navient that my 12 month income driven repayment plan ( IDR ) will end soon, which would result in my monthly payment amount to increase to {$1800.00} starting XX/XX/XXXX. At the time under this plan, I would pay {$50.00} per month across five loans. I re-applied for IDR as soon as I received this email. I expected an increase in my monthly payment to be around {$200.00} to {$300.00} due to an increase in my income from the past year. On XX/XX/XXXX, I received confirmation from Navient that my IDR renewal had been approved. I continued to make monthly payments as usual, paying my monthly payment via auto pay and making additional payments when possible. In my Navient account I received a new document on XX/XX/XXXX that my new monthly total starting XX/XX/XXXX would be {$1600.00}. On XX/XX/XXXX I called Navient asking them to review my new monthly total forXX/XX/XXXX. I stressed that I am concerned with the payment amount, that I am hesitant to make any additional payments if my payment amount is {$1600.00}. The customer service agent noted that I was ahead of one of my loan payments, which may have affected the XX/XX/XXXX loan amount to be reflected correctly. The agent stated that they would escalate this issue and that I should see a resolution to this issue by XX/XX/XXXX. They said that if this issue is not addressed by XX/XX/XXXX to call Navient back. The agent stated that this amount is definitely not correct and should be a monthly payment of {$200.00} to {$300.00}. On XX/XX/XXXX I received two new documents from Navient. The first document stated that my new monthly payment total for XX/XX/XXXX would be {$1600.00}. The second and most recent document stated that my new monthly payment total for XX/XX/XXXX would be {$1800.00}. It appeared to me that not only was the IDR I filed in XXXX not applied and resolved, but the amount had in fact increased by {$240.00}. After reviewing these documents I called Navient. I wanted this issue resolved immediately, as I was concerned that the holiday season could further delay my issue.The customer service agent I talked to stated that the reason for the incorrect monthly payment amount was because I was ahead of one of my loan payments and that they would need to refresh the counters. They stated that unfortunately this issue would take about two weeks to resolve, meaning it would not be resolved by the first monthly payment due date for XX/XX/XXXX. I asked why this issue wasn't already resolved. The customer service agent stated that you need to request for counters to be refreshed and that you need to request that you want an income driven repayment plan. I stated how am I supposed to remember to remind Navient to refresh counters if this information is not provided to me in advance. I applied for IDR and in my call on on XX/XX/XXXX I stressed that I want the my XX/XX/XXXXmonthly payment amount to reflect IDR. How am I supposed to remind Navient of an internal process they need to complete in order to finalize a request? I requested a hold on my account or some sort of reprieval. The customer service agent stated that they could not provide any of the suggested solutions and instead my first payment amount for XXXX would go in forbearance. I requested to speak to a supervisor. Unfortunately, the supervisor was unavailable. However, the customer service agent stated that they will address my issue in 48 hours to reflect the correct monthly payment amount for XXXX. ( The agent also reviewed with me payment options. They stated that when making an overpayment you can select whether this payment delays your monthly payment or if you want to pay more on your balance. They stated that my additional payments appears to have delayed my monthly payment for one of my loans with the lowest balance. I stated I was already aware of overpayment options and that my extra payments were in fact directed to pay more of my loans balance. The customer service agent made a change to my settings to insure that any future overpayments were applied to a loan 's balance. ) After this action was complete it would also take another 48 hours for this information to be correctly reflected in my Navient account. As of XX/XX/XXXX, at least five business days, I did not see any new updates to my account. I called Navient. The customer service agent stated that reason for the delay may be due to my account still having auto pay. The service agent deactivated auto pay per my request so that the payment amount could be reflected accurately. They stated that they would work on getting my new XX/XX/XXXX monthly payment issue addressed as soon as possible, with this information being reflected in my account the latest by XX/XX/XXXX. The agent did mention that it is possible that this correction to my payment amount could happen as late as XX/XX/XXXX. Periodically between XX/XX/XXXX and XX/XX/XXXX I checked my Navient account for updates. No updates were made. I called Navient on XX/XX/XXXX asking for an update. The customer service agent stated that my issue was in queue to being worked on, however, it has not yet been resolved. They stated that my new monthly payment amount could be reflected as early as later in the day of XX/XX/XXXX or possibly not until XXXX. The customer service agent stated that they will place my payment on hold, interest would accrue, but I would not have to make a payment. I am extremely frustrated with this process. I applied for IDR in late XXXX. Almost four months have passed and I am not confident that my issue has been resolved. I have always made my monthly payment and I am have already paid ahead for some of my loans. I allowed auto pay through Navient because it would lower my interest rate for my loans by 0.25 %, which would allow me to save money and pay off my loans faster. However, I have less confidence in auto pay if monthly payment amounts are not reflected correctly in my account. If I did not actively review my account, I could be paying at least five times as much for my monthly loans. This leads me to believe that other loan borrowers may have paid more through auto pay than anticipated. I also find it hard to believe that my case is an ad hoc case, where Navient does not have a system in place to adjust monthly loan repayments for loan borrowers who both pay monthly loans in addition to making extra payments. Through my communication with Navient, it appears my case is a unique case. But I find it hard to believe that there is not a large enough population of loan borrowers who make monthly loans and addition payments that would merit a system in place to adjust IDRs without the need for borrowers to constantly call Navient to follow through on applying IDRs and refreshing counters. Based on this assessment, I am worried that this issue may arise again for me in the future and for other loan borrowers who make similar payment decisions. | ||||||
| 07/25/2017 | Yes |
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Web | Older American |
| To whom it may concern, I am writing about the XXXX XXXX XXXX used to educate my XXXX children. This loan originated in XX/XX/XXXXunder the umbrella of XXXX XXXX. The interest at that time was 3.4 % I have been paying on this obligation from that time. XXXX XXXX transferred/sold these loans to private concerns, beginning with XXXX XXXX. The interest rate ballooned to as much as 8 %. To date, this loan has passed hands no less than eight ( 8 ) times to various loan managers. I believe that there was a human error in the transference of the loan in XXXX between XXXX XXXX XXXX ( XXXX ) and being sold to XXXX XXXX XXXX, XXXX ( XXXX ), here to Attachment B1 and B2. Please note in XX/XX/XXXXthe two loan balances with XXXX were {$15000.00} and {$7900.00} respectively. When the loan was sold to XXXX in XXXX, the balances were {$15000.00} and ballooned to {$87000.00}. I DID NOT BORROW AN ADDITIONAL {$80000.00} IN ONE YEAR. In XXXX there was no one in my household enrolled at the school. There were times I used the XXXX XXXX and did not take out a loan. I had an automatic withdraw from my checking account to pay on the loans for as much as $ XXXX/month. There were years that I have paid as much as {$8000.00} in interest alone on these loans. Each time the loan was transferred there did not appear to be any decrease in the balance. I would receive statements noting that I owed as much as $ XXXX on these loans evidently due to daily compounding of interest on these loans. I have requested on several occasions to have a print out of my payments. I requested this of XXXX XXXX XXXX when they were in the education loan business. XXXXXXXX XXXX stated they could not provide me my history of payments. XXXX farmed this entity out to yet another collection agency. I had requested at that time to try to negotiate a payout of a percentage of what they stated was the balance. I was willing to withdraw from my retirement funds to rid myself of this situation. I was told these type of loan payoffs could not be negotiated, and full payment was the only option, aside from permanent disability or death. This appears to be the current situation as the Dept. of Education has now transferred my situation on to yet another collection agency, XXXX. XXXX states as per the Department of Education I have a balance of $ XXXX, with interest compounding DAILY. Of the $ XXXX their fee of $ XXXX is included. XXXX states they, too have no history of any past payment history. They stated it was not given to them. The only payment information they have, is my garnishment, via the Department of Education, XX/XX/XXXXtax refund for {$3500.00} and garnishment, via the Department of Education, of my Social Security payment funds of $ XXXX/month now that Im retired. ( This amount was based on my tax returns of XX/XX/XXXXand XXXX when I was WORKING FULL TIME! ) I was directed by XXXX to speak directly with the Department of Education regarding my situation, as they stated they were hired by the Department of Education as a collection agency. Again, I was requesting my payment history. I was told that the responsibility was on me to produce ALL CHECKS front and back from the time of the origination of this loan in XXXX! I told them that such a request is totally absurd, not to mention impossible. First of all several of the banks no longer exist. Paper checks now have carbon recordings that over the years the documentation has faded. In this digital age banks now only issue electronic statements. The options for loan forgiveness where if I were to become totally disabled, or if I died! Please note my notes from my phone conversation with the Department of Education in XX/XX/XXXX made in an effort to resolve this situation. I do not believe I owe any more to the Department of Education. I opted to use my deferment inXX/XX/XXXX as my balance was not going down and it did not appear that any of my past payments since XXXX, were being reflected in the ever-growing balance. Notes from a recent conversation with the Department of Education and other entities involved in this XXXX XXXX loan situation : XX/XX/XXXXXXXX : XXXX XXXX XXXX stated that they received notice of default payment ( > 60 days ) from the guarantee agency ( could not say specifically who this entity was )XX/XX/XXXX: XXXX XXXX XXXX received notice of default from the collection agency. This agency of transfer of the defaulted loan sent no record of payments ; just notes it is a consolidated loan ; does not specify if this is a student or XXXX XXXX loan ; notes there were two disbursements of funds :XX/XX/XXXX: {$2900.00} and XX/XX/XXXX: {$100000.00} ( where these funds were disbursed to was not known to the XXXX XXXX XXXX )XX/XX/XXXX : XXXX XXXX XXXX transferred the default loan to the collection agency : XXXX XX/XX/XXXX: XXXX XXXX XXXX suggested and transferred writer to the XXXX XXXX XXXX XXXX XXXX for more detailed information as to the status of the situation. Spoke to XXXX XXXX reported that there is no record in the archives regarding the loan ( s ) or outstanding money owed. The only information available through XXXX was as follows :XX/XX/XXXX {$89000.00} ( XXXX XXXX XXXX )XX/XX/XXXX : {$15000.00} ( disbursement managed by XXXX XXXX )XX/XX/XXXX{$7700.00} ( disbursement managed by XXXX XXXX ) XXXX : {$100000.00} ( disbursement managed by XXXX XXXX ) During this time, there was no one in the household attending school ; there is no documentation as to what schools these funds were disbursed to ; The original XXXX XXXX loans were transferred more than 7 times to different managing entities. There is no record in the system of payments made to justify the question of outstanding funds. XX/XX/XXXX: Spoke to XXXX ( XXXX XXXX ) and explained that I was in receipt of a letter from XXXX XXXX noting that the loan had been paid in full as ofXX/XX/XXXXXX/XX/XXXX; requested this documentation be faxed to them. The writer noted that there are NO OUTSTANDING FUNDS OWED ; THERE IS A XXXX BALANCE! XXXX XXXX stated this situation is in a cease collection status and would await the document. Document faxed from XXXX in XXXX :XX/XX/XXXX I would like to join the thousands of others being harassed by this system. My credit score is being impacted. My retirement income is being impacted. My family is being impacted. I did my best to hold up my part of the agreement with XXXX XXXX as well as my children. At one point, my loan repayment was greater than my monthly mortgage payment. This situation has caused me undue stress and duress. I have had XXXX XXXX and experienced undue financial stress because of this situation. However, you can assist me in resolving this situation, it will be appreciated. Thank you for your consideration in this matter. Attachments : Tax Forms XXXX : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Letters to lenders List of payment made via check or ACH ( Only the ones we found carbon copies & bank statements ) | ||||||
| 03/28/2022 | Yes |
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Web | |
| To whom it may concern : I am writing to you today for your assistance with a long-standing issue regarding repayment of my student loans. I apologize in advance for the length of this message, but thank you kindly for your time and attention to this matter. My private loan servicer is Navient, and I feel that they have been handling my account deceptively and unfairly. They constantly bombard both me and my parent 's with phone calls morning, noon, and night requesting payments more than the amount necessary to bring my account current. On XX/XX/XXXX, they sent a threatening letter ( see attachment ) highlighting my outstanding delinquency, but they have failed to offer any kind of resolution other than to place me on long-term forbearances or temporary deferments to further delay payments while interest is accruing. On XX/XX/XXXX of this year, I spoke with a Navient account manager who reviewed all of my income, bills, etcetera, which clearly shows I am not in a very good place financially. Rather than offering affordable repayment options, she reassured me that Corona Virus Pandemic Forbearance would be applied to my account for 2 months. She said I would have to revisit this again in XXXX and then request financial hardship assistance. On XX/XX/XXXX, when I called to follow-up on my account, a representative told me that it was still pending approval and the forbearance is only effective through XX/XX/XXXX ( if approved ) contrary to what the manager told me. Instead of offering a resolution or options for affordable payments like they promised, they are taking legal action through collections and seeking a judgment from court to seize my family 's assets and income. I have always requested income-based repayments in the past because my understanding is that they can lower the monthly payment or even make it {$0.00} if you are a low-income family or struggling financially. I thought that's what the manager was aiming for when she reviewed all of my finances. They always seem to revert my account back to standard repayment option without bringing it to my attention. I can not even remove my mother as cosigner because I do not meet the appropriate credit requirements to do so. Now my parents also have to bear the burden of harassment from Navient. I spoke with a representative today, XX/XX/XXXX, by the name of XXXX. He said my pandemic forbearance was denied but could not provide a reason why. He again denied my eligibility to qualify for the Navient settlement even though I read out the specific criteria to him and that I feel I should be considered. He said I must have defaulted on my loan before XX/XX/XXXX to be eligible. However it clearly states in the settlement : " Generally, to be eligible for private loan debt relief, the loan must have been in past due status for more than XXXX consecutive months prior to XX/XX/XXXX. '' When I asked him for the transaction history of my account, he said for the past 12 months there have been no payments. He did not give any flexibility to lower my monthly payment. He only gave me a forbearance option of {$50.00} to delay the monthly payment until XX/XX/XXXX. I do not like calling this company because I never receive a resolution to my problem. I feel that the representatives are trained to use bullying tactics when speaking to their customers. It has been this way for a decade where I call in to make an arrangement for a lower payment and they just persuade me to enter forbearance or else my loan will default and legal action could ensue. Not today because I know my rights and choose to stand up against the repeated and deliberate fraudulent practices shown by Navient. As you XXXXay know, they have been involved in a multi-state settlement for violation of consumer protection laws due to engaging in unfair and deceptive servicing and collection practices. These lawsuits and investigations were raised by many State Attorneys General which resulted in the final settlement. As mentioned before, I tried discussing with Navient that I do meet the criteria for student loan/debt cancellation, but they do not agree with me. I don't know if this is related to the fact that Texas Attorney General XXXX XXXX did not follow suit. I have also reached out to XXXX XXXX XXXX and XXXX XXXX XXXX for assistance. I will also be reaching out to the Massachusetts Office of Student Loan Ombudsman. I was unsuccessful in my attempt to reach Navient Office of the Consumer Advocate. I attended a private institution from XXXX to obtain my XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, but due to their unaffordable tuition rates, I was pushed into borrowing federal loans from the U.S. Department of Education , as well as private loans from XXXX XXXX XXXX They also persuaded my mother to become a cosigner knowing that I am financially incapable of affording repayment of the loan upon graduation. They promised a great education and high-paying salary, but in reality landed a $ 30-35,000 income at two companies that eventually went out of business. I have since then enrolled in courses to advance my career both in XXXX and XXXX. Fast forward to today and I'm responsible for {$70000.00} in private and federal loans. This for-profit institution defrauded me and many others and continues to engage in predatory practices together with Navient and perhaps other loan companies. I am a productive individual but never had the financial stability I dreamed of and that many of us dream of. The pandemic didn't help my situation, and I ended up losing my full-time job. I made the personal decision to pursue continuing education courses to advance my career and obtain my court reporting license. I also work part-time in the transcription industry to support my husband who works very hard at his blue-collar job. Together we are just trying to keep a roof over our heads and provide for our two children the best we can. We always retain the hope that we will someday put our financial difficulties behind us and have a fresh start. Unfortunately, the outstanding loans that started with XXXX XXXX and U.S. Department of Education and then transferred to the following companies : Navient and XXXX. has prevented me from the opportunity to overcome a mountain of debt and repair my credit. I am up to {$20000.00} of debt in private loans and {$50000.00} in federal loans, totaling {$70000.00} and continues to increase each passing day. Overall, this shocking amount has been a huge weight on my shoulders and a great cause of worry and stress over the years. It is my hope that you have some oversight on this topic or perhaps you can provide some information on how to resolve this matter. I would also like to know if you are able to intercede with Navient and demonstrate that I meet the criteria that was outlined in their settlement for student loan forgiveness. Again, your time and attention is very much appreciated! | ||||||
| 12/04/2023 | Yes |
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Web | Servicemember |
| This is the account summary for my then XXXX XXXX account, which is now Navient. From XXXX XXXX XXXX my account was on a military deferment. During that time interest was capitalized onto the balance. Payments were made on my account from a military repayment plan. I have concerns about my current balance, which is XXXX and appears to be rising, despite payments made by the military and myself. The interest rate continues to rise and is now at 14.5%. My monthly payments are XXXX per month. I called Navient to find out what happened to the money the military paid which should have covered XXXX before taxes. I asked why my balance continues to rise despite making payments. Only a small fraction of my payment is put towards the principle. Often my payments do not go towards the principle at all. At this rate, this balance will never be paid off. They gave me no options to lower these monthly payments. Date Description Principal Interest Fees Total XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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| 07/24/2018 | Yes |
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| The following formal letter of dispute describes what happened with Navient : XX/XX/XXXX Formal Letter of Dispute I am filing a formal letter of dispute regarding capitalized interest charges on XX/XX/XXXX and XX/XX/XXXX. I believe these charges could have been avoided with proper communication, and thus Navient did not act in my best interest regarding my student loan debt. Written communication was insufficient, obscuring some information, and omitting highly important information. Also, counseling advice via telephone was either ignorant, negligent, or outright predatory. These issues resulted in a direct cost to me of over {$3000.00} in XX/XX/XXXX ( which continues to accrue interest ) as well as the potential loss of additional benefits, namely Public Service Loan Forgiveness ( PSLF ) eligibility. Shortly after I completed my XXXX, I was enrolled in an Income-Based Repayment ( IBR ) Plan making regular on-time payments. I was also on a Partial Financial Hardship ( PFH ) which from what I now understand was what qualified me for reduced payments of {$130.00} per month. Prior to a phone call I made to Navient on XX/XX/XXXX ( with a representative named XXXX who was kind and helpful ), I do not remember ever receiving any documentation or verbal communication about what PFH was or how it was different from/related to IBR. Prior to this I thought I was simply in an IBR Plan which was keeping my payments affordable. After a year of full-time salaried employment, I was able and ready to increase my monthly payments in an effort to reduce my overall loan cost. With regard to written communication, I did receive letters in XX/XX/XXXX stating that In order to keep your lower payment amount, its important that you reapply and If you choose not to renew your plan, your new payment amount will be {$630.00} [ and {$180.00} ] beginning on XX/XX/XXXX [ and XX/XX/XXXX ]. Payment amounts and dates were bolded. I WANTED to increase my payments at that time and was aware of the new monthly payment amount after talking with a phone counselor ( see below ), so I did not reapply because I thought renewing the plan meant keeping those low monthly payments ( which would necessarily extend my loan and cost me more ). Of note, the letters OMITTED the fact that if I did not reapply I would immediately be charged {$3000.00} in capitalized interest. If Navient was truly acting in the borrowers best interest, this information would have been specific ( with the stated amount ), would have been placed right alongside the notification about specific payment increases, and would have been bolded itself. Instead, a single non-specific statement about capitalized interest was obscured in a FAQ footnote on the back page. Given that Navient stated in the letter exactly how my monthly payments would change, Navient also likely knew how much capitalized interest would be applied. I believe Navient failed to fully inform me about a very significant cost that could have very easily been avoided. In addition to the capitalized interest issue, the letters also failed to inform borrowers about potential loss of other benefits ( i.e., ineligibility for PSLF programs ) without renewal. This notable omission may be related to the fact that the PSLF program is offered by one of Navients competitors and not by Navient. In summary, written communication was clearly focused on monthly payment reduction ( resulting in loan extension ultimately benefiting Navient ), rather than warning the borrowers of huge capitalized interest charges and potential loss of eligibility for benefits offered by a competitor. With regard to telephone counseling, I know that I called Navient and spoke with a counselor about this. I am hopeful that Navient can review their phone records, and I hope they are in fact recorded. I specifically remember in the phone call that the counselor reviewed my loans and did some calculations with me on the phone based on the new salary estimate I provided her. Thus, I knew I would be expecting about an $ 800 monthly payment and I wanted to pay this amount to reduce overall costs. During this long phone call, at no time did the counselor inform me about the huge capitalized interest costs I would immediately incur or the ( possible ) loss of PSLF eligibility that would apply should I change from this plan or not renew the plan. At no time did she discuss the benefits of staying on/renewing the income-based repayment plan ( i.e., saving capitalized interest and PSLF eligibility ). I certainly would have signed a simple recertification/application form if I would have been informed of these extremely costly negative consequences. In retrospect, I believe an informed counselor acting in a borrowers best interest would have advised me to renew the IBR ( to avoid capitalized interest charges of over {$3000.00} and remain eligible for PSLF ) and simply make higher payments if I felt I could. This was absolutely never explained to me. I am just now becoming aware of what happened and how it now affects me. Again, I believe Navients written communication and telephone counselors were not acting in my best interest regarding my student loan debt. Poor communication and bad counseling advice resulted in a direct cost to me of over {$3000.00} in capitalized interest which was immediately applied on XX/XX/XXXX and XX/XX/XXXX when the program expired and continues to accrue interest as well as the potential loss of PSLF eligibility. Per Navients website, they state that they follow a proven process of corresponding and communicating with borrowers to share important information and guidance. Navient did nothing of the sort for me. Navients written communication and telephone counselor failed to share important information and instead offered guidance that was misleading and damaging, costing me thousands of dollars while adding to their bottom line. Without a student loan I would not have been able to return to school and have a good career, so for that I am grateful. I also acknowledge that I am obligated to pay my student loan debt. To give a bit of insight into the level of stress borrowers face, my total disbursements were {$69000.00}. As of today, I have paid {$15000.00} and my current balance is {$78000.00}. I realize this is the nature of loans ; however, student loan servicers should act in the best interest of their borrowers, particularly those with a history of financial hardships, which includes clear communication and accurate counseling advice. I am hoping that we can find a resolution to this. ( signed my name ) A few days later I received a letter in response to my formal complaint in my Navient Inbox stating : " We are unable to remove the capitalization as it is valid. '' This simple response in NO WAY addressed any issues I raised. It was simply dismissive. | ||||||
| 11/14/2017 | Yes |
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| I was having trouble affording my private student loan payments with Navient in XXXX XXXX. I customer service and I knew I was behind because I started to receive calls to contact them. In XXXX, XXXX I entered an agreement that I would agree to an automatic check withdraw for payment to bring my payment current. I paid XXXX, XXXX, XXXX, XXXX and XXXX amounts on time and in full for {$600.00} each month through the auto pay. In XXXX XXXX my home was flooded from Hurricane Irma. I was evacuated due to flooding and could not return to my hone for over two weeks. I was also not working and not being paid at that time. My payment was scheduled to come out on XXXX XXXX and I was traveling and dealing with the additional expenses from being evacuated. I forgot about my payment and called Navient two days after my payment was due. I explained what happened to the DOE rep and the private loan rep that day that I needed help. I was told about the disaster forbearance and was granted the 90 day forbearance. The DOE said that my next payment would be in XXXX XXXX and gave me the amount due. The private loan department also said I would be granted the forbearance. I asked for the same 90 day forbearance but and went through the press with the rep and then at the end of the script he was reading he said it was for 30 days. I asked him to change this and he blamed me for the mistake. I told him that I clearly asked for the same forbearance as my DOE loans. He changed the terms to 90 days. I asked about the XXXX XXXX payment that I was unable to make because of the evacuation. He said that the 90 day forbearance that I just applied for would cover that payment. This was the same info that the DOE rep told me. One week later on XXXX XXXX the automatic payment was processed. I called the private loan department back and asked why this happened if I had a forbearance. A rep named XXXX XXXX ( interim Unit Collection Manager ) told me they could not stop this reoccurring check payment and there was nothing he could do. I have this e-mail and asked me to contact him if I was charged any overdraft fees. Navient sent me e-mails showing that I was approved for the DOE and private loan forbearances. This is when the XXXX XXXX payment was automatically processed in full for {$600.00} through the automatic check. I called Navient to ask about this. I was told the following : On XXXX/XXXX/XXXX by XXXX XXXX XXXX Collections Manager ) that my forbearance was applied from XXXX XXXX XXXX. I told her that this did not make any sense because I made my XXXX and XXXX XXXX payments on time and in full. My disaster forbearance should be applied to my private loans for XXXX, XXXX and XXXX XXXX payments. She said that my loans were delinquent in XXXX and that is why the forbearance was back dated. She was screaming at me so I asked for her name but forgot to ask for her badge number. I researched the CFPD last night and called back today. The first rep I spoke with was also concerned about the status of my forbearance. She transferred me to the collections department and the man I spoke with ( badge number XXXX ) asked me what about yesterday 's conversation with the supervisor did I not understand? He was belittling and would not go through the dates of my disaster forbearance with me. He said I should have gotten all of that yesterday. He also said he thought that for a 90 day forbearance I needed to call in every 30 days. I was never previously told to do this. I told him that if he could not answer my questions then please transfer me to someone who could. He transferred me to XXXX ( badge number XXXX ) who I asked to explain what i was not given the 90 disaster forbearance I applied for. She said that because I had a " bounced check '' in XXXX that the 90 day forbearance reverted back and was now being applied to the time period of XXXX XXXX XXXX XXXX, XXXX. I told her that made no sense because I made my XXXX, XXXX, and XXXX XXXX payments on time and in full. The auto check pays were being processed anyway even though I had the approved forbearance. I am only asking for the disaster forbearance to be applied for the months of XXXX, XXXX and XXXX. I called two days after the payment was due and Navient was aware that I could not make my XXXX XXXX payment. They took the XXXX XXXX payment and now expect me to make the XXXX payment today ( XXXX/XXXX/XXXX ). I know that they are not required to follow the DOE loan forbearance but this makes no sense. Speaking with the Navient private loans reps is always unprofessional. I am someone who wants to pay my loans. I have a good payment history with them. I had a XXXX last year and now make less than half of what I was making before the XXXX My DOE loans were negotiated down to $ XXXX month. I had to keep paying my loans in full over an unpaid maternity leave. I have withdrawn money from my IRA to make these payments. I explained my hardship to the private loan reps and my payment can not be lower than $ XXXX mo. I make about $ XXXX biweekly. My husband and I do not co-mingle our funds and I am having great difficulty in making these payments. I am writing to you out of great desperation. I lose sleep and worry about this constantly. I regret making the decision to go to graduate school. If I had know this I would have never gone. Now I will pay for that decision for the rest of my life. I will never be able to buy a home of my own. Finally, I 'm not sure if anything can be done or not but I was reading about the lawsuits involving Navient. Like so many it seems I did not understand my options when I took the loans. My law school advertised a 90 % job placement rate when I enrolled. I am among the many in my class who has never worked as a lawyer. I teach and only earn a fraction of what was told to me. This is why I am having trouble making my payments. I believe that I was among an influx of students who took these loans when the law school and XXXX XXXX knew that they would never be able to be repaid. I can say that I had no idea what the reality of these loans would look like almost 15 years later. The interest compounds and the amounts are staggering. I am a good person who fell for the XXXX XXXX Navient loan scam. I will pay for these loans for the rest of my life. I am drowning in these payments. I have researched discharging my loans, challenging them, forgiving them, exhausted my deferments and forbearance and see no way out. I need to constantly work and not take a lower paying job that might offer assistance with my loans because I wo n't be able to afford the private loan payments. I see no way out and I do n't know where to turn. I am begging for any assistance you can provide. I know this is wrong and I do n't know where to turn for help. | ||||||
| 12/21/2021 | Yes |
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| I took out a private student loan in XXXX. I ended up taking some time off from school, my 6 month grace period ended, and I began making payments. I then decided to go back to school. Even as the school semester started, I was still constantly receiving phone calls and emails that I needed to make a payment on my student loan. I called Navient and explained that I was in school, I should be in deferment and a payment should not be required. The Navient representative told me that they did not have records of my enrollment and I needed to make a payment before the due date in a few days or a missed payment would be reflected on my credit report. I didnt really have the money, but I barely managed to scrape it together to make the payment. Shortly after, I received an email confirmation that my enrollment information was received and my in school deferment was retroactive to the start of the semester. I called Navient to request a refund and was told that was not possible. I asked what I needed to do in the future to prevent this from happening every semester. I was told that there will always be a delay at the start of the semester before Navient receives my enrollment information, so as long as I was enrolled with the proper amount of credit hours, I should ignore these phone calls and emails. I always checked the XXXX XXXX XXXX to make sure my enrollment information was correct, and I checked my Navient account regularly to make sure the enrollment information was received and my deferment was approved, and I did as I was told and did not answer the calls or respond to the emails. In the summer of XXXX, I received the same relentless phone calls and emails, and I proceeded as normal. I read all emails, I listened to all voicemails, and all conveyed the same message Ive received for years : your deferment is expiring and you need to make a payment so as usual, I monitored my account to make sure my enrollment information was received. I still called my school to ask when the enrollment information would be released. I still checked the XXXX XXXX XXXX website when the records were supposed to be released, and I still confirmed that my enrollment records were released as planned. Shortly after, I received an email from my credit monitoring company that missed payments were reported on my credit report. I immediately called Navient to ask them why missed payments would be reported. They have my enrollment information, I should be in deferment. It was at that time the Navient representative informed me that my in school deferment option was exhausted. I told the representative that none of the communications I received stated this. This was the start of a very long XXXX XXXX year battle with Navient that continues to this day. During this entire time, I was told different loan terms from every representative I spoke with and I was told to send my dispute to Navients credit reporting division. I compiled the emails and letters I was sent, and circled the statement that my deferment was EXPIRING, not that the option was exhausted. The credit reporting division stated that regardless, payments were missed and therefore they do not need to correct the remarks on my credit report. I continued to dispute the issue. I even spoke with two Navient representatives on XX/XX/XXXX. I asked them to review the communications sent to me before the missed payments were reported, and they both confirmed that none of the communications sent to me mentioned that in school deferment was no longer an option. Regardless, Navient still would not change their remarks on my report. I then reached out to the credit bureaus in an attempt to dispute this. To my disappointment, the credit bureau simply sent my complaint to the company, and responded back with Navient says its accurate so it will stay on your report, but well add the comment that you dispute it. For a while, I gave up hope. However, it was then recommended to me to file a complaint with the XXXX XXXX XXXX. I did so, and was assigned XXXX XXXX as a customer advocate. After going back and forth with XXXX several times, she refused to return any phone calls, and simply emailed back that her investigation into my case showed that during XXXX and XXXX I was properly notified of the fact that my 48 months of deferment were exhausted ( again, different terms than I have been given my other representatives ; this part was incredibly frustrating but not my main point of contention ), and that the remarks would remain. The XXXX XXXX XXXX also threw up their hands and essentially said Sorry we couldnt resolve your issue. Your case is closed but we have noted that you are not satisfied. I continued to communicate with XXXX and requested copies of the evidence she found that I was properly notified BEFORE the remarks were made on my credit report, she refused to acknowledge my request, and never sent her supposed proof. By this point, I have lost all patience. Three and a half years later, I could not believe that even after submitting my proof of the emails I received, submitting the dates I spoke with two representatives who confirmed that in fact I did not receive any notification that my deferment option was exhausted, and requesting XXXX supposed proof that is penalizing me still to this day, nothing was changing, my proof and request for Navients proof against me wouldnt even be ACKNOWLEDGED. I then left voicemails for XXXX, imploring her to do her job, acknowledge the proof that I sent her, acknowledge the proof that two Navient representatives confirmed that I was never told my deferment option was exhausted, or send me her proof that I was properly notified. If she could not/would not do so, I wanted someone else to work on my case. I would have left it alone if XXXX had provided me with copies of anything communicating to me that I could not defer my loans. She still would not acknowledge any of this, and has not sent me any of these supposed communications. Again, I know this to be because they do not exist. XXXX would not acknowledge any of this, and instead told me my request to escalate the matter was denied and my case I was closed. I called out her unprofessional manners for refusing to return a customers phone call, and left another voicemail insisting that she either needs to do her job, or send my case to someone who will, and if necessary I would call every day, even multiple times a day to continue advocating for myself. I would not back down. I then received an email from a separate division of Navient threatening me to drop it, and they will come after me for harassment if I ever called again. This disgusting bullying tactic is not going to deter me. That is why I am requesting your assistance in this matter. | ||||||
| 02/08/2023 | Yes |
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| Document Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is being sent to you in response to notices sent to me from your company. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above-named Title and Section. Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : 1 ) Please validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) ; 2 ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 3 ) Please provide proof when the original creditor claims this debt became due and when it became delinquent ; 4 ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and Collector, bearing Consumer wet-ink signature ; 5 ) Please provide a copy of the last billing statement sent to Consumer by the original creditor ; 6 ) Please provide late payment notice and/or account closing notice provided by the original creditor ; 7 ) Please provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above-alleged account ; 8 ) Please provide me a verified certificate of authority, and/or proof that your company are licensed to collect in my State ; 9 ) Please provide general ledger statement showing the full accounting of the alleged obligation you are attempting to collect, accompanied by a commercial affidavit by the original custodian of the books and records ; 10 ) Please provide the account and general ledger statement showing the full accounting of alleged obligation that you are now attempting to collect. Such as FR 2046 balance sheet ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX prospectus, RC-S, and RC-B call schedules ; 11 ) Please provide verification and/or copy of any judgment if applicable ; 12 ) Please provide proof of any interest, fees or other charges expressly authorized by the agreement; 13 ) Please provide a certified copy of all Public Hazard Bond ( s ) and Liability Insurance Policy ( s ) and accounting demonstrating the financial capability of Collector ; 14 ) Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 15 ) Please provide a Statute of Limitations expressly authorized by the agreement; 16 ) Finally, please provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act. At this time, I also inform you that reporting invalidated information to major credit bureaus ( XXXX, XXXX, XXXX or any third party ) might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Also, this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Violation of the Consumer Collection Practices Act in my State ; Defamation of Character. If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for the suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from your firm records and my credit report if reported and a copy of such deletion ( to any/all of the major credit reporting bureaus : XXXX, XXXX, XXXX or third party ) request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by United States Postal Service. It would be advisable that you assure your records are in order before I am forced to take legal action against your company. This is an attempt to correct your records, any information obtained shall be used for that purpose. I am waiting for your immediate action to my requests. Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 10/09/2019 | Yes |
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| I wrote this to Navient and it explains what happened with my student loans and credit score. They have ignored this and all of my phone calls to fix my credit score. There are pictures of my accounts attached to this but I am not sure if they will work or not. If you would like the original letter, I can provide that. The password to the document is XXXX Hello, my name is XXXX XXXX. I was previously a XXXX at the University of XXXX in Ohio. I started in XXXX with the hopes of getting a college degree so that I could join the professional workforce. I chose to get federal student loans from your company, Navient, because it was the most financially responsible decision to make for myself. Fast forward a few years and after being told over and over and over that you have 6 months after you graduate to start paying on your loans because sometimes it takes time to find a job after you graduate. This brings me to my current issue ; since I was being told this over and over and over, I thought I would not have to pay on my loans until 6 months after I graduated. I was still enrolled in the University because I had to complete my degree in XXXX. Due to the nature of my degree and the universitys scheduling, sometimes I was not able to attend full time. I was not going to spend more money for nonsense classes that did not pertain to my degree just to be full time. During this time, I was also working at XXXX XXXX full time and living on my own. I then got recruited by XXXX XXXX XXXX and moved to working for them full time, all while still attending school. During my last semester at the University of XXXX ( fall XXXX ), I was getting contacted by Navient that my student loans were due. I was confused because I still had not even graduated yet. After being harassed for money even though I was still taking loans out to continue my education, I unfortunately was laid off from my job at XXXX XXXX XXXX in XXXX of XXXX. I was again contacted by someone from Navient requesting that I pay towards my loans. I told them that I was still in school and was not able to pay at all currently because I had been unemployed. The employee then explained to me I could do some sort of income driven program and that it would be good for 6 months until after I graduated. I talked to a student advisor from the University of XXXX and they said that it is true, I have 6 months after I graduate from the University of XXXX to pay off my student loans. Again, this was weird because Navient had on record that I was no longer attending the University of XXXX according to an employee of Navient. Nonetheless, I submitted the forms necessary for the IDR plan at Navient in XXXX of XXXX. I had not heard back from Navient for a while, so I assumed all was fine with my standing on my loan repayment. I then graduated in XXXX of XXXX from the University of XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All was well for me because I started a new job in XXXX and was looking to start my professional career out in the world and be able to enjoy my life. Then one day in XXXX I got an email saying, your loans are 120 days overdue which was weird because I had 6 months after I graduated to pay them. This meant I had to start paying in XXXX and I even logged into my account and created an auto-pay function so that I would not have to worry about signing in every month and doing it manually. After deciphering the email saying I was behind, I gladly paid the overdue loans off for all the subsequent months that I had missed. This is when it takes a massive turn for me personally. I had no problem paying that massive amount off and I figured that there may have been some miscommunication somewhere throughout the 6 years I attended college. But then I get a statement about my personal credit info ; I had been hit with a 90-120 days late on all my loans. Since they are all separate for some reason, it showed that I was that late on all accounts. This destroyed my credit. I went from in the mid 750s down to below 530. That is extremely detrimental to someone who just started making a good living and is looking to buy a car, purchase a home, and contribute to the United States economy. Now that the story has been told from my end I can get to the issue. I am writing this because that is what your website told me to do : As you can see, I believe this is some sort of error on my credit account. I called Navient as soon as I found out about the destructive credit hit and the young man on the phone told me there is nothing I can do to help, just pay on your loans and your credit will go up. I believed him and it has been a few months of me paying on my loans on early every single month. Turns out that my credit has not moved and went down some. I have never had a single issue with paying any sort of loans, credit cards, or other payment options off and my profile shows that. I am asking someone to do the right thing in this case. Regardless of the issues that happened in the beginning of my loan repayment process, please take a look at my account and you will see that I paid off that massive balance that said I was late and that I pay on my loans every single month. I called into Navient and spoke to someone about this and was given no positive reassurance that something may be done. They told me they can not get rid of this mark for some reason, but Navient is the one that told the credit report companies that I did not pay off in time. Due to this report on my credit, I am unable to apply for a mortgage on a home with a reasonable interest rate, apply for a loan on a car now that I have a steady and livable income, and I also can not just enjoy my life with this disgusting derogatory mark on my name. I will provide documentation of most of what I am referring to previously. Also, I went through a name change during my first year of college and Navient still has my old last name on file and will not let me change it. Old name : XXXX XXXX. New name : XXXX XXXX. Navient account number : XXXX. Home address : XXXX XXXX XXXX XXXX, Ohio XXXX. Cell number : XXXX XXXX XXXX or XXXX XXXX XXXX. If any more information is needed in regard to this manner, please reach out to me via email or phone call. My emails are XXXX, XXXX, XXXX, or XXXX I can be reached at any of those. I understand that Navient can not change my credit score, but you can provide a courtesy retraction to consumer reporting agencies : | ||||||
| 05/23/2021 | Yes |
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| Navient continues to violate Federal laws located in Truth in Lending, Fair Debt Collections Practices Act as well as Telephone Consumer Protection Act against consumer. A second packet was mailed out to Navient XX/XX/XXXX detailing every violation and including the Notice of Default and Opportunity to Cure, Affidavit of Truth signed and notarized, exhibits to support the Affidavit of Truth, Final debt validation letter and debt validation form, Cease and Desist letter, CFPB first response and feedback, Invoice, and Written Instructions. Keep in mind, this is the SECOND packet to the original packet mailed to Navient on XX/XX/XXXX and proof provided that Navient received original packet on XX/XX/XXXX. Navient only half-responded to the first CFPB complaint and never responded at all to the 1st packet that also included an Affidavit of Truth AND Debt Validation form that they had 30 days to complete and return their own Affidavit of Truth. Navient never formally responded as requested and required yet continue to violate. These violations are as follows : Consumer sent a letter to Navient on XX/XX/XXXX demanding infallible proof that the alleged consumer does indeed owe this alleged debt. Also, in the 2nd to last paragraph on this letter, consumer stated that the only form of communication allowed is via USPS postal mail. Any other from of communication at the time was stated to cease and desist. I have proof this letter was received on XX/XX/XXXX. As shown in Exhibit A, Navient has called 87 times and pursuant to 15 US Code 1692c ( c ), this is the first violation that Navient did not cease and desist phone calls as requested. Additionally, Navient has relentlessly been abusing consumer by continually causing telephone to ring, annoying consumer, and using profane language in attempts to collect a debt that Navient can't even prove the consumer owes since XX/XX/XXXX. These calls totaled 121. This is direct violation to 15 US Code 1692d ( 5 ). Additionally, IF consumer owed Navient anything, Navient has not justifiably given a correct amount. All the amounts owed are shown with a positive ( + ) sign or positive sign implied indicating that Navient owes the consumer, not that the consumer owes Navient. In the last letter received from Navient ( without a date but is provided in exhibits, shown on page 49 in the packet as Exhibit C ), Navient said " consumer owed a balance of $ to bring the account current. '' If consumer doesn't owe a balance or if it is positive then that is considered a misrepresentation and pursuant to 15 US Code 1692e ( 2 ) ( A ), this is yet another violation. Additionally, I have demanded since XX/XX/XXXX, that Navient needs to validate this debt that the consumer allegedly owes. In the packet received XX/XX/XXXX, I sent a debt validation form that I demanded to be returned within 30 days completed 100 % showing that you have any right to collect this alleged debt. As of right now, Navient is improperly trying to collect on an invalidated debt pursuant to 15 US Code 1692g ( a ) ( 4 ). Additionally, pursuant to 15 US Code 1692g ( c ), consumer has never admitted liability to any debt that Navient is alleging that the consumer owes. Additionally, Navient is in violation pursuant to 15 US Code 1692g ( a ) ( 5 ) because Navient is not the original creditor. Navient is showing in forms that Sallie Mae or Sallie Mae Bank is the original creditor. Navient responded to CFPB complaint # XXXX on XX/XX/XXXX. In this response, Navient stated that Navient and Sallie Mae are TWO DIFFERENT COMPANIES. How can the consumer owe Navient anything if Sallie Mae and Navient are two different companies and " the loan was not sold ''? How did the DIFFERENT company acquire this alleged loan? Consumer requests an audit trail whereas Navient should show a negative amount going out and that same amount going into an account owned by the consumer. Otherwise, Navient is acting as a 3rd party debt collector and falls under Fair Debt Collections Practices Act as there is no formal agreement between Navient and consumer. Additionally, Navient has either mailed, emailed, or left attachments of forms in the Navient inbox causing the consumer to believe that they owe Navient a debt. This is direct violation pursuant to 15 US Code 1692j. Additionally, Navient has not only threatened but actually damaged the reputation of consumer by reporting invalidated alleged debt to all credit reporting agencies. This is a huge violation pursuant to 15 US Code 1692d ( 1 ). Additionally, Navient sent me a promissory note that does not have Navient 's name on it but alleges the consumer to be the borrower? How is the consumer the borrower? What solid proof does Navient have? Pursuant to 15 US Code 1611 ( 1 ), Navient must have solid proof that the consumer is the actual " borrower ''. Not sure how that can happen with a promissory note showing a " DIFFERENT '' company that has nothing to do with Navient. This is a huge violation in which Navient is CRIMINALLY liable for willfully and knowingly violating. Let it be known, this law is NOT under Fair Debt Collections Practices Act that Navient says " generally '' does not apply to them but Truth in Lending which definitely applies to Navient. Additionally, finance charge is notated on Exhibit J ( approximately page 47 ). By definition, finance charge is sum of all charges. How is there late fees, interest, or any other miscellaneous fees when there is a finance charge?? Please provide a Certified Final Forensic Internal Audit of said account as requested above under penalty of perjury to validate this alleged debt. Additionally, provide a copy of Navient 's tax registration certificate. With a finance charge included, Navient is in violation of 15 US Code 1605. Additionally, pursuant to 15 US Code 1640 ( a ) ( 2 ) ( A ) ( i ), Navient is civilly liable for twice the amount of the finance charge in connection with damages. Lastly, pursuant to 47 US Code 227 ( b ) ( 3 ) ( B ), Navient has blatantly refused to cease calling even after the CFPB complaint # XXXX, in fact Navient continued to call in complete disregard. Navient stated that they generally don't have to abide by FDCPA. ( Since Navient is acting as a 3rd party debt collector, this does not appear to be accurate. ) How and ever, this was added because this is not a FDCPA violation, but a Telephone Consumer Protection Act ( TCPA ) violation as Navient has willfully and knowingly continued to call and violate 19 more times since the original CFPB complaint dated XX/XX/XXXX. | ||||||
| 07/01/2017 | Yes |
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| Hello, Since I first started writing this yesterday ( and lost it ), Navient has made some odd attempt to correct this situation. I still want to post about it here, as their resolution is still costly to me and as of Sat XX/XX/XXXX EST, the situation has not been resolved and my bank account is still in the negative. I called Navient on Wednesday, XXXX XXXX to discuss another issue, but was talked into making a {$3000.00} payment over the phone. I called back within 90 minutes, maybe within an hour, to say that I needed to reverse that payment. On second thought, I realized that I should have used the money for what it was intended. I spoke with XXXX ( XXXX ) who told me that since the payment had not yet been processed, it would be easy to cancel the payment. I repeatedly asked him for an email and/or number confirmation, but he insisted that Navient does not provide either in cases such as this. After getting off the phone with XXXX, I used the money to pay off a credit card, which was my original intent. Last night, XX/XX/XXXX, I checked my checking account to see which payments had cleared, to find that my account was at $ -XXXX. Navient HAD processed the payment. I called to speak with a supervisor who was very nonchalant about the whole thing saying that I had to upload proof of this and that and that she could not say how long it would take for the money to be returned to me. I sent an email to Navient 's CEO. Awoke today to find that my credit union, of course now added two fees totally {$27.00}. Additionally, in order to help cover the the payments, they took the sole {$1500.00} out of my savings account as well as extended me a {$100.00} loan on which I have to pay a daily interest rate. I posted about this on XXXX as well as continued to send emails to everyone of Navient 's executive board, including screen shots of my checking account that now was at $ -XXXX. I attempted to upload my proof to my Navient account, but could not find a link to do so. I called and spoke with a rep who was nasty as XXXX and hung on me. I called back, and spoke with a well-meaning young man who had no idea of how to help me. He gave me a number to call, but when I did, I got a message stating " All circuits are busy. '' I got back on XXXX livid! I found a customer advocate 's email and sent a scathing email to them. After over 5 hours of trying to get someone to respond, someone called me. She started to tell me how the phone call was going to be recorded. I told her that I was going to record the call too, to which she responded me that Navient does not allow customers to record there calls. Now, think about that - THEY get to record us, but we do not get to do the same and have evidence of what was actually said. I had a few choice words for her and let her know that I could not so much as buy a burger if I wanted to, and that they could contact me when they were serious about resolving this issue. In my emails to these executive goons, I let them know that here it was at the end of the month, near a holiday and at a time when I had a week off work, and I could not so much as pay my XXXX rent! I demanded my money in full plus the fees. I never heard from them. In the meantime, someone called right back after I hung up on the first woman. I did not answer. I then got an email from a XXXX XXXX saying that they needed more information from me and for me to call. I made it clear that I would NOT call unless I could record the conversation. She then asked for my routing number and such and such, which I reminded her they had when they took over 3 grand out of my account without my authorization, I do not know why they do not have that information now. I told her to refer to the conversation I had with the woman earlier when I made the payment. I provided her ID number and the screenshot of my checking account that I had tried to upload earlier and had sent to the the head people at Navient. I had to leave my apt . for about 3 hours, and when I returned, I had an email from XXXX XXXX stating that it usually takes several weeks for these things to be resolved, but that they are going to do it electronically to expedite the process. Sure, she was making it sound like they were doing me a big favor by partially correcting their mistake. Here is where things get odd : 1. There is NO mention of the fees I will have to pay 2. The letter says that they will submit a refund electronically and then I will get a check from the US Treasury in a few weeks. I must return the check! I sent an email to XXXX letting her know that they owe me for the fees that I have to pay and that I am not going to spend not one drop of gas or the cost of postage to return a check. I got an out-of-office automated response. I attempt to find out more about this check business on their XXXX page, but they blocked my account from posting on their page. This is how Navient does business. I have had NOTHING but problems with them since my loans were transferred to them. The information that I get from their CSRs is inconsistent and always contradicting. They have put multiple late payment notifications on my credit reports even for times when I have proven that I was in school. This went on for nearly a year until I just gave up trying to deal with these people. My credit score as dropped SIGNIFICANTLY since trying to deal with these people. Had XXXX simply said that it might take a few days before the payment is reversed, I would have held off making that other payment, but not only did he NOT do that, he actually said it did not need to be REVERSED, just cancelled and that it would be. It is now nearly XXXX XXXX on a Friday evening. It 's the end of the month and rent is due. I have a XXXX XXXX XXXX about whom I am worried and may need to run to the XXXX again, putting more money on credit cards, which I was trying to avoid doing. I have spent the bulk of my day trying to figure how the XXXX to get my money and how to get people to listen to me. I have hated my experiences with Navient from the very first few months I was with them. I can see why they have multiple class actions suits against them. I do appreciate XXXX 's attempt to help, but it still a shortcoming at the very best! Somehow, I suspect she can pay her rent this weekend! I am not on my third day of having no cash in my checking account. I doubt anything will come through today. If it does not come through on Monday, with the holiday, I am looking at getting my money when? | ||||||
| 12/27/2021 | Yes |
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Web | Older American |
| Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Iowa XXXX Re : Navient Student Loan for XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to you about Navients treatment and actions towards me regarding my sons student loan ( XXXX ). My son, XXXX XXXX XXXX, applied for a student loan from Navient several years ago. As part of the loan application, I gave my permission to be listed as a contact. Today, this agreeing to be a contact for the student loan application has turned into a barrage of phone calls from Navient who now claims I am a cosigner of my sons student loan ( XXXX ). Over the period XX/XX/XXXX to present, I and my husband have had numerous discussions with Navient regarding my sons student loan. While I have disputed with Navient that I cosigned his student loan, Navient repeatedly states I am a cosigner. I am not a cosigner ; I am a point of contact. I have also requested that Navient provide me a copy of the documentation that I signed as a cosigner. To date, Navient has not provided this requested documentation. Since XX/XX/XXXX, Navient has called me numerous times. In the beginning ( XXXX and XX/XX/XXXX ), the calls were to obtain information on how to contact my son as he was apparently delinquent on paying his loan ( XXXX ). During these calls, Navient informed me I was listed as a contact on the loan paperwork. After numerous times of telling Navient not to call us anymore, the calls ceased. We received no calls after XX/XX/XXXX though the end of XXXX and, no calls at all in XXXX. On XX/XX/XXXX, Navient started calling again. On XX/XX/XXXX, Navient called while I was out. My husband answered the call and asked what the purpose of the call was. Navient informed him that my name was listed on the loan application as a cosigner. Upon my return home this day, I called Navient back. Navient also informed me that I was a cosigner on the loan application. I informed Navient I was listed as a contact but did not cosign for the student loan. Navient disputed I was a contact and repeatedly stated I was a cosigner. As such, I requested that Navient send me copy ( ies ) of the paperwork with my signature on it that showed I was a cosigner of this ( these ) loan ( s ). Navient agreed to send this documentation to me. To date, I have not received any such documentation from Navient, or anyone else. I received no further calls from Navient until XX/XX/XXXX. Navient called while I was out on this day and my husband answered. He told them I was out. When Navient told my husband the call was being recorded, my husband stated he did not give his permission for the call to be recorded. The gentleman said okay and would call back on a non-recording line. Navient did call back and the lady spoke with my husband. After much debate on the legitimacy of me being a contact person versus a cosigner, the lady told my husband this was going to collections! and hung up. We received no further calls from Navient until XX/XX/XXXX. Over the period of XX/XX/XXXX through XX/XX/XXXX, Navient called at east 35 times. Most these calls were from phone number XXXX in XXXX, NY. This is phone number is actually for Pioneer Credit Recovery, a Navient Company that does debt collection. From XX/XX/XXXX until XXXX of XXXX, we received no calls from Navient or any of its affiliates. Attachment A is a log of Navients calls for the XXXX to present time period. For the most part, the call log provides the date, time, and context of the call ( if we answered the call ). Over the past several months of XXXX, Navient has resumed calling us again. As I have not received any documentation from Navient of me cosigning for the student loan ( s ), I have not spoken with them. Our phone number is now our business phone number. We changed it to our business number in XX/XX/XXXX for our e-commerce business. My husband has answered each of these call with our business name. Each time he told Navient that this was a business and to stop calling but, they did not. Each time they have called since XXXX, we have told them this is our business number and not to call us at this number. They did not heed our requests. There are several other factors I believe why Navient is claiming I am a cosigner but actually, I am not. The Federal Debt Practices Act requires that Navient provide within 5 days of its first communications with me, a written debt validation notice. Since the first communication with me was by phone in XX/XX/XXXX, and Navient did no provide written debt validation to me, I have not answered their calls. Navients initial calls in XXXX / XX/XX/XXXX had a stated purpose of wanting to know how they could contact my son. None of those discussions mentioned I was a cosigner of the loan application. So now, Navient is stating I am a cosigner as a means to force me to pay the loan ( s ). Navient sent me a Final Notice letter that I received XX/XX/XXXX ( Attachment B ). In the letter, it states the amount to bring my account up to date is {$2300.00}. It does not state what the remaining balance is or anything other that what I just stated. o Also, in the Final Notice letter from Navient to me there are four ( 4 ) loans identified at the left side, bottom of the front page. I only agreed to be a point of contact for one ( 1 ) loan, not four ( 4 ). Has Navient tied me to all four ( 4 ) loans to come up with the total they claim I owe? It is not clear. I do not know what Navient has done with regards to my sons payments. I have no clue as to the status of this ; initial loan ( s ) amount, payments applied, basically nothing. So, how do I know what amount would be owed if I am liable? In XX/XX/XXXX Navient announced it was exiting the student loan market at end of XXXX. Is Navient trying to boost their bottom line by collecting outstanding debt before the transfer of student loans to another company? On XX/XX/XXXX, I sent Navient a letter disputing their claim that I am a cosigner of this loan. I also requested that they cease and desist from further contacting me on this matter. See Attachment C. In summary, I am at the end of my capabilities to resolve this matter with Navient and need some assistance. Regards, _______________________________ ____________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Navient XX/XX/XXXX through present B. Final Notice letter from Navient dated XX/XX/XXXX XXXX XX/XX/XXXX dated Letter to Navient from XXXX XXXX XXXX disputing Navients claim | ||||||
| 02/23/2022 | Yes |
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Web | Older American |
| I took out a number of student loans between ( roughly ) XXXX and XXXX. ( Even though I took my loans through the dept of education I have been told they are private loans at times and federal loans by Navient ) I was paying them sporadically during that time as we suffered many hardships due to serious medical illness for each member of my family, as well as the NYS state layoffs, an illegal NYS pay reduction for me, and a company closure for my husband. I paid as I could, and more than I had to at times up until XXXX. My husband continued to pay his loans, although he owed only 8k, he paid them over 27 years because of the misinformation they provided, they had him paying interest only for years. He finally paid his balance in recent months. We are still paying parent plus loans. I had submitted a PSLF employer certification in XXXX, 7 years into my repayments I thought fell under the PSLF. I was told at that time by my servicer that I had the wrong type of loans and would have to start the ten-year loan payment period over, again, and would need to consolidate a third time even though they were already consolidated, federal and identified as direct on the website. I was also told that my loans were moved to Navient because they were forgivable under PSLF, no reason to reconsolidate again. I had consolidated these loans twice prior, as I was told to do by my servicer. The first consolidation was under XXXX XXXX where they took several loans and combined them together and raised my rate *up* to 9 %. to make it " easier '' to pay. I had to agree to the loan before being told the rate so there was nothing I could do after it was consolidates and that rate was revealed. I returned to school and was able to reconsolidate again several years later, after grad school. That loan rate was lowered to XXXX. Naturally I was reluctant to give them another shot to raise my rate to about 8 %, which they said they would do. But they stated it was the only way to get PSLF. When I agreed to do so they refused to reconsolidate, and said I was not eligible for PSLF. Given I took my loans via the dept of education like everyone else, it made no sense and I contacted Navient where I was told by a Navient representative there was a mistake, my loans were " coded incorrectly '' they were eligible but did not know how to fix this. I called many times to fix this but got nowhere. In the meanwhile, I was told to take deferments and forbearances because I could never afford my entire payment. I tried to pay ten percent of my income plus another XXXX each month in the years I paid after XXXX. I finally stopped making payments in XXXX when they said those payments did not count, my balance was still at 99k, and I realized there was no way I could pay this off in this lifetime, and I could not imagine how long I could last at my job. I was XXXX XXXX XXXX and under constant physical attacks from my patients working inpatient psych with very dangerous clients, often alone. I didnt think I could work till I was XXXX, especially since the XXXX was paying me the same wage as someone with a high school diploma, while mandating I had a XXXX XXXX XXXX, hold a professional license, pay for my own supervision, be registered and board certified in my profession, all which is very expensive. Plus, the XXXX XXXX XXXX allowed XXXX to illegally lower my pay, despite union contract, not create a career ladder for me, whilst having me meet the requirements for another profession for any opportunity to be promoted. And while doing that the Department of Education allowed XXXX agencies to work under my professional title without any of the same requirements they mandated me to have, and quite often they were paid more than me and required to do far less. Naturally I was reluctant to give them another opportunity to raise my rate, but when I agreed to do so they refused to reconsolidate my loans so I could be eligible for PSLF. I was told by a Navient representative " there was a mistake, my loans were " coded incorrectly ''. I called many times to fix this and got nowhere. I was out on workers comp a few years later after an assault by a patient at work and forced to retire two years later in XXXX. My balance has risen dramatically since ( it seems like 25 % more in five years ). I had contacted Navient on multiple occasions about the PSLF, and I was told there is nothing I can do despite being a public servant 11.4 years. I made zero-dollar payments re-certifying each year as they told me to do. After being out of work for two years I was forced to retire in XXXX. XX/XX/XXXX, I received an email that my payment term was changed to a monthly payment of zero was being raised to XXXX. XX/XX/XXXX, I recertified and a confirmation that my request was received but could not be processed. After a phone call I was told to resubmit my application which they acknowledged on XXXX XXXX. On XXXX they again said they could not process at this time. On XX/XX/XXXX they wrote me and told me my payment was XXXX A representative told me I had not recertified, so I had to start making a payment of XXXX dollars a month, they had no record of my certification even though, as I told them, it was still uploaded on their site. My income is social security and my XXXX pension. I agreed to do so. But then I received another bill for XXXX. They felt my XXXX husband ( who has no pension, but still works should contribute ). The representative understood how my husband would not be contributing to my debt and said I could pay XXXX dollars a month because I was submitting late, and they had no record of the XXXX agreement. But then I received a bill for {$800.00}. When I called again, I was told this all happened because I applied too early. I have to resubmit again, and show them proof of my income, again because I must have earned a lot more money last year and they have no record of the XXXX or XXXX agreements. I had asked for that second agreement in writing and they told me in would come via email in a day or so. It did not come. I had tried for ss XXXX, but my appeal came up during the first autumn of covid, my lawyer dropped my case for more lucrative Covid victims, and no other attorney would take my case, so I lost my appeal. I now understand with the PSLF waiver I am not eligible because I took forbearances and deferments, which seems very unfair. If I simply ignored what was due, I would be eligible for forgiveness now. | ||||||
| 02/11/2023 | Yes |
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| I took out a total of 5 loans in XXXX to attend XXXX XXXX . I graduated in XXXX. Total of loans are XXXX and are all serviced by Navient ( originally Salle Mae ). All are all either FFELP Stafford Subsidized or FFELP Stafford UnSubsidized Private Loans. I did make some payments throughout the years and did deferments, but once I got sick with a XXXX XXXX XXXX XXXX XXXX and couldnt work, I stopped paying in XXXX. My loans have been in default since. On XX/XX/XXXX I received a email from the Department of Education Federal Student aid. It states that Subject : Student Loan Discharge Based on Borrower Defense Evidence The Department of Education has determined that the loan ( s ) you received to attend a school owned and operated by XXXX XXXX XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations. The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct. You also may receive a refund for prior payments made to the Department on your discharged loan ( s ) related to XXXX XXXX XXXX. Your servicer will let you know if you are eligible for a payment refund, which would be mailed to you. It will take the Department some time to process your discharge. Until the Department completes its work, your eligible loan ( s ) from XXXX XXXX XXXX will remain paused in forbearance/stopped collections, and we will not ask you to resume making payments. If your loan ( s ) are in default, we will not attempt to collect on the loan ( s ) being discharged. I have received repeated calls/letters from Navient try to collect on these loans since. Ive wrote in to customer care on XX/XX/XXXX explaining my situation and wrote with XXXX first. I was told that they havent received any notification from the DOE of my loan forgiveness application and once they do, they would place my account on an administrative forbearance. But could look into a temporary postponement on my account. And until that time my loans will still be in the repayment status. The problem here and what he didnt understand is I never filed a Loan Forgiveness Application or Borrowers Defense Application. Per the email I received, I did not have to file any application because this is a part of a group discharge in regards to all XXXX XXXX. This has nothing to do with the current case of {$10000.00} removed from federal student loans that President Biden has going on. This is totally separate. So I wrote back in explaining this. On XX/XX/XXXX I got a reply from a woman named XXXX. She said to send in a copy of the email I received from the DOE and it would be reviewed. And stated Id get a full refund once the DOE advises how to proceed. But before I could send in my email, myself and my mother got a voicemail from a guy named XXXX XXXX who said he is the senior accounts manager for my case. He was trying to go over repayment options. So I immediately called him back. First I wanted to know why my family is getting phone calls about my loans still. Which they have done for years. Then I explained to him about my loans being discharged per the letter received, that they cant collect on them anymore, and have been speaking to customer service about this already. He seemed very confused and kept saying my loans are in default and wasnt understanding that my loans are to not be collected on. He also didnt know that XXXX was a XXXX XXXXXXXX . He told me to email him a copy of the email I received from the DOE and it will go through the higher ups to look at. I sent the email immediately on XX/XX/XXXX along with the correspondence I had with XXXX stating Id get a refund. I never heard back from them about this so I did call back XXXX XXXX on XX/XX/XXXX. He told me the email was received and was going to ask his boss for updates. After a brief hold he came back and stated that my loans arent eligible for discharge and theres nothing that can be done because I did an application stating fraud happened. Again I went in to explain everything and what hes saying made no sense. He said if I want to speak to his manager I can. So he put me on with his manager ( couldnt hear Name ). He was extremely rude to me and couldnt comprehend that my loans are being discharged and they cant collect on them in the meantime. He said they havent received anything from the DOE so they are going to continue to collect. After arguing with him for awhile and making sure he actually read the letter I received, he said he would make a note in my account for the calls to stop for 1 month but cant do anything else. I did call the Federal Student Aid number provided on my email To let them know what Navient is doing and that Im worried they are going to try to take me to collections about this and ruin my credit score. They told me this discharge could take up to 6 months to finalize and that email should have been enough to put my account on administrative forbearance until the DOE gets in touch with them about the discharge. XXXX did tell me during a brief call call on XXXX that they are just waiting to hear from the DOE and that my loans are in collections. I asked him what he meant by that because my loans are supposed to be in default. He just said they are in default but in collections which made no sense. And that I may still get calls from them for repayment while they wait from the DOE. I also received a letter in XX/XX/XXXX from the XXXX XXXX XXXX XXXX stating a Guarantor Transition of my Student loans. It states that on XXXX XXXX XXXX will be the new Guarantor of my FFELP loans but Navient will continue to be my Servicer/Lender. Along with all payments/questions is still with Navient. I looked up XXXX XXXX and they are a student loan collection agency. So Im extremely upset and worried they sent my loans to a collection agency for them to start collecting on and ruining my credit score. | ||||||
| 05/25/2017 | Yes |
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| My complaint regard ing Navient My wif e and I had student loans each from attending college. We had paid down a lot of the principal but still owed around {$6000.00} each. We called our student loan provider XXXX XXXX and we given wonderful news ( according to them ! ). W e could consolidate our loans into a new loan and have a much lower payment. All we had to do was say the word. Our loans were consolidated and we had a lower payment. Unfortunately as time progressed I was given the news that I had an XXXX XXXX XXXX XXXX . The prognosis was not real good for me. I was working making a good salary and just kept trying to provide for my family. I was struggli ng to drive to my job each and every day. I kept trying as I didnt know what else to do. I found myself XXXX XXXX XXXX XXXX XXXX XXXX any longer after time. I was unable to determin e which lane I wa s in on the freeway. I was making a XXXX XXXX income at the time so I fought hard to keep life normal for everyone. I kept my secret. Finally in XXXX the mortgage crisis hit everyone very hard. I lost my wonderful job and one day went from a XXXX XXXX income down to XXXX . I had a family, bills, and obligations. I tried to find other work but it was impossible. I could barely see to get to the interviews that I had managed to schedule. I went to my XXXX XXXX and received the horrible news. I was beyond XXXX XXXX and could not longer drive . I had to go to the department of motor vehicles and surrender my drivers license. Now what was I going to do. My wife and I panicked and didnt know where to turn to. We had collection calls coming in nonstop. We finally had to file chapter XXXX to keep from losing everything. We filed in XXXX and started to try to rebuild. All of this was too much and it destroyed my family. My student loan was paid sever al thousand dollars du ring our bankruptcy. In XXXX the bankruptcy was discharged and we had to try to rebuild our credit and lives. Now on my own I had only XXXX income to survive. I called Navient to see what is next for our student loan which of course we would still owe. I was never told about a possible discharge due to my permanent XXXX . I told Navient at great length what I was going thru. All Navient ever offered was of course forbearance. This was perfect for them to add thousands of dollars of additional interest onto our student loan. I was NEVER told that I had options. I did an internet search and discovered some information about the XXXX XXXX discharge. I started the process in XXXX XXXX . Navient was of NO ASSISTANCE EVER! They would call about payment or gladly process forbearance but no other help! I worked with XXXX and quickly gathered all the required income documents, doctors medical history and application. XXXX advised they had everything and it looked good. I never received any news from Navient ever during this process. No notice that they would be adding several additional thousands of dollars in interest. XXXX told me that during the three year waiting period that no interest could be added. In XXXX I got collection calls again from Navient. I called and was told sorry your loan discharge was cancelled. No reason why and did I want a forbearance. Of course I did not why I should need to. I called XXXX and was told that everything was fine and they would send a message to Navient. The calls didnt stop until I found some contact information for the Office of the Advocate at Navient. I se nt them a compliant and aft er two we eks got back a message that my credit has not been ruined and that my discharge was still in effect. Fast forward to XXXX . My now ex-wife starts getting payment bills in the mail from Navient. I told her I would call XXXX and find out what happened. I was told twice by XXXX there must be a mix-up and they would se nd Navient a message about the issue. I contacted th e Office of the Advocate at Navient and again asked what was wrong with my discharge. I found out that only a portion of the loan was discharged due to the consolidation of our debt. My now ex-wife is now responsible along with me also. I was not truly discharged from anything at all. Thousands of dollars of interest have accumulated on the loan and its the same balance as before I requested the discharge. I have never received an approval for the discharge. I was never advised that only a portion of the loan would be discharged. I was never informed that I was still responsible for the entire loan. I am XXXX an d cant drive or work! What in the world is this all about? Navient never disclosed any of this to me. I assumed the loan would be discharged and I would send a tax document for the total and taxed. I read this on the internet myself. Now I find out our {$12000.00} loan has {$14000.00} capitalized interest. I was given a partial discharge of {$9500.00}. We still owe over {$18000.00} on this student loan. Why are not my loan and the interest that goes with it discharged? If my loan was an individual loan it would have been. There have been thousands of dollars in payments made. I asked the Office of the Advocate for a printout from XXXX so I can see where the payments were applied and how they arrived at the discharge amount. THIS IS TOTALLY UNFAIR! So I am discharged but not really! I am going to be taxed but still have to pay my loan. I still have to pay interest on a loan that supposedly I qualified for a permanent disability discharge! Navient is a HORRIBLE, DISHONEST, co mpany that has sent me no communications throughout this process. I NEVER asked for the loan to be deferred. I would have made payments to stop the bleeding if I knew I would ultimately be held responsible. THIS IS A CRIME! I am going to follow the instructions from the article in USA dated XXXX documenting how the CFPB is suing Navient. I believe this to be another supporting case of injustice and total wrong doing. I might be XXXX now but not stupid at all. XXXX XXXX and Navient dont care about the student borrower or being repaid. They just want to be a loan shark and take advantage of people. I plan on contacting my attorney general ; the national federation for the XXXX and having an attorney review this entire mess. I will not rest until I have explanations and documentation to support this HORRIBLE treatment! | ||||||
| 06/06/2017 | Yes |
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| In XX/XX/XXXX I d ecided to go back to school and applied for the first time using FASFA to XXXX XXXX , XXXX XXXX online. At the time I was living in NH and still as of today. In mid XXXX my marriage failed and by the end of the year we were on our way to divorcing. With direction from our legal counsel we filed bankruptcy due to neither one of us being a ble to maintain two households on our income. I lost most of my XXXX and of course I began the long road to rebui lding my credit. I did not have the money to pay any student loans, so from XXXX to approximately XXXX my loans went into default status. I was a novice to the student loan arena. I finally began the steps to begin repaying i n XX/XX/XXXX / XX/XX/XXXX an d paid what I could and got to a point of bringing several from default back to normal standing. There was a rather huge loan of at the time approximately {$30000.00}. As things have progressed up to this point, I never really thought about it, but now I question if I should be paying a $ XXXX loan for a 4 year program of which I only attended less than 1 year. This loan was with at the time XXXX XXXX , now Navient. Because it moved to default status, I was notified by a company called XXXX XXXX XXXX that they now owned the note and I had to pay them. I began doing so. It had become increasingly more and more difficult to go online to make my $ 150 monthly payment and they would not take my calls to assist. I finally sent a letter indicating that they would not receive any further payments until they provided an account summary and conduit to pay the bill. Still no answer. I kept noticing that even though XXXX said they owned the note, the value still showed in my XXXX XXXX online account. I thought this was odd. A couple of months passed and still no contact from XXXX , so I began to shift payment from XXXX back to XXXX XXXX ( no w Navient ) beginning XX/XX/XXXX Over the past few monthsflags have been popping up on this account to which makes me think that something is off with this loan. My spouse has recently acquired her XXXX XXXX through a university in our area. The school got the money for just the semester she was in and then paid her what was left, if anything. She used the balance of such funds to pay for her books and incidentals. If she does not use the funds she puts it back on her loan, however she never was charged the full value of the program she is charged for the classes she takesif she does not finish the program, she is paying only for what she took not for what she did not. I guess that was the first red flag for me. The second flag is if the note was taken over by XXXX XXXX XXXX ... why is it still showing in my account on Navient? I c alled XXXX end of year in XXXX to ask for tax paperwork for the loan. They told me that it is no longer a federal loan, that they owned it, that I would never get tax paperwork to file and it would never go back to at the time XXXX XXXX . I have read all over the internet articles that XXXX XXXX is now closed and it is closed for fraud among other issues. I never was notified of this issue as a student of the college or else I would have been all over this. Today I have run a credit report from XXXX and find that this XXXX loan ( which now shows on Navient for like XXXX ) is not even on my report.not in collections, not even as an active account. One thin g against me is I dont have the original westwood paperwork any longerbut it does show that I attended the college. I recently applied and was accepted to XXXX to finish off my XXXX XXXX and they showed me as a student there. Not sure if that is against me or not, but they did not show this XXXX note. From the studentaid.ed.gov site when I log in this shows all my outstanding student loans ... this note is not among them. According to this site, I have only {$4200.00} in outstanding student loans ... obviously a bit more will be added with the new loan from XXXX . Im not out to get a free ride, however I dont want to be taken for a ride either. I am seeking to have this note put to bed, but am not sure if I have the legal right to do this and if I do am not sure where to start. I did speak to a student loan lawyer who shared that it appears that XXXX fraudulently took loans out against students who all seem to be finding out after they left the school. XXXX went belly up around XXXX . He said since XXXX XXXX XXXX Navient ) bought the loan it 's not their fault and I have to pay them. But here is my issue ... if in fraud situation someone sells me stolen merchandise, I 'm out of the money and have to return the product. In this case, XXXX stole the money and Navient purchased it ... so why ca n't the precedent be set to make Navient give it ba ck? I should not have to pay for this. This is identity theft for which I should not be responsible for it. I have been paying back. I 've been paying {$150.00} month since XX/XX/XXXX ( actua lly since XXXX , but I 'll round it off to a full year ) and assuming a class is {$1000.00} ... I 've paid {$9000.00} back. I attended less than a year before stopping. I believe I 've paid back what I owe. I 've emailed Navient and r equested a report of any/all history from the time of this loan inception to be sent to me as of XX/XX/XXXX . I 've attached a historical report from XXXX XXXX XXXX . I 've attached a screenshot of the studentaid.ed.gov account showing that this $ XXXX loan does not exist. For my security ... I am not including my credit report, but will if requested ... this also does not show this loan, but it does show all my other ones with approximate total balance of {$4200.00} - ( one was just paid off in full from AES ). I feel like this loan should not exist. There is no way that in less than one year th is student loan would be XXXX . My courses now at XXXX are XXXX per class. Even if I took XXXX per term with XXXX terms a year is $ XXXX per year. When I went to XXXX , class costs were well below this and I only took XXXX class per term ... so this number would have even been lower - not to mention I did n't finish year XXXX due to my divorce. Can I get help to fight this? XXXX XXXX XXXX | ||||||
| 08/15/2018 | Yes |
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| I graduated from college in XX/XX/XXXX and, following my six month grace period, began repaying my Federal Stafford Loan on XX/XX/XXXX, in accordance with my repayment schedule, a copy of which can be provided. According to this schedule, my last payment was scheduled for XX/XX/XXXX. My loans were originally serviced by XXXX, who did an excellent job and with whom I was very happy. In XX/XX/XXXX, I received notice that my loans were moving to Navient and Navient began handling my repayment and my payments of {$85.00}, which were autopayments, continued uninterrupted. On XX/XX/XXXX, I received my regular statement that my monthly payment had been processed in the amount of {$100.00}. I was confused as to why my payment had suddenly increased {$22.00} and why this increase had been made with no notice or explanation to me, so I called Navient and spoke to a representative. The representative explained that Navient planned for the increased payments to continue for a period of several months and would decrease the payments for the last 3-4 months of the repayment schedule, in order to make sure that I did not have an unexpectedly larger last payment. This did not make sense to me, as I told him and I asked him why Navient would not just double check the calculation and calculate how much I would have to pay for the remaining months to make the payments equal. He did this calculation and determined that I would repay the loan by paying {$68.00} each month for the remaining repayment period. At my direction, he changed my monthly payment to this calculated amount and assured me that it would not change again. Navient then continued processing my monthly payment of {$68.00}, until this month. Due to circumstances, I am currently on a very tight budget and, as part of this budget, have a notification on the bank account I use for bills notifying my when the balance drops below a certain threshold. I unexpectedly received that notification last night and, concerned, immediately checked the activity on the account, to find that Navient, instead of processing my regular payment of {$68.00}, had instead processed a payment of {$98.00}, an increase of {$29.00}, nearly a 50 % increase. Yet again, I had received no notice that this increase would be occurring. I checked my email account and spam folder and performed a search within my account for Navient. The only notifications I have received from Navient are, each month, a notification that my payment is about to be processed, but not the amount that will be processed, and, a couple of days later, a notification that the payment was processed and the amount that was paid. I have received no other notices or messages. I called Navient at XXXX EST today, XX/XX/XXXX, to determine why my payment amount had changed after I had been assured last year that it wouldn't and why I had received no notification. The representative to which I spoke placed me on hold for a long period of time, then returned and claimed ( 1 ) that notification had been sent to my house, did I not receive it? and ( 2 ) that the payment amount had changed because Navient had made a mistake in calculating that the repayment term would end XX/XX/XXXX, and that, according to my promissory note, the payment term should actually end in XX/XX/XXXX and, based on this corrected calculation, my monthly payment had changed to reflect the expected XX/XX/XXXX repayment. The representative also claimed that they could extend my repayment period to XX/XX/XXXX, I would just have to pay additional interest on the loan. After quizzing the representative, I ultimately decided I did not want to deal with the company and their repeated mistakes, and instructed the representative to leave the higher payment amount and I would figure something out. After thinking about the representative 's claims, it did not make sense to me. In particular, I could not figure out how XX/XX/XXXX would ever play into my repayment schedule. Stafford loans have a repayment period of 10 years, with an initial 6 month grace period for beginning payments. If the repayment period was calculated from my graduation date, the last payment would be made in XX/XX/XXXX. If the repayment period was calculated from the date I began payments, as it should be, the last payment would be made in XX/XX/XXXX. Nowhere does the month of XX/XX/XXXX play into it. So, I went to my paperwork file and found my initial repayment schedule sent to me by XXXX and dated XX/XX/XXXX. The schedule listed the five loans and the dates they were disbursed to me and listed the principal, projected interest, first payment date, dollar amount of ensuing payments, quantity of payments, and the last payment date. The last payment date is listed as XX/XX/XXXX, as I thought. I called Navient back at XXXX today, XX/XX/XXXX, demanding an explanation. The representative stated that, according to my account, I was correct that the last loan payment was expected to be made XX/XX/XXXX, but that due to the payment amount I was making, I would actually pay the loan off early, in XXXX. When informed that, as I had initially told her, I did not request the change to the higher payment that would result in the XXXX payoff date, and that the first customer service representative had told me I was supposed to pay the loan off by XXXX, the XXXX representative had no explanation. She also had no explanation as to why I did not receive notification from Navient that my monthly payment was changing. She has assured me that she has changed my payment amount to {$67.00} XXXX lower by a dollar because they processed an extra {$30.00} this month ) and my last payment would be XX/XX/XXXX. However, I have not yet received any paperwork to verify this. So, in summary, for the second time in a year, Navient has increased my monthly payment with not notification to me that they would be doing so, nor authorization by me to change the amount debited from my account. In addition, when called on for an explanation, Navient 's representative lied to me twice, ( XXXX ) that they had provided notification and ( XXXX ) on the reason for the changed. They lied and said that my payoff date, ACCORDING TO MY PROMISSORY NOTE, was XXXX MONTHS earlier than expected. Again, NAVIENT LIED TO ME ON THE PHONE ABOUT MY SCHEDULED LOAN PAYOFF DATE IN ORDER TO INCREASE MY MONTHLY LOAN PAYMENTS BY 50 %. | ||||||
| 03/13/2018 | Yes |
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| The Department of Education has not done a very good job at making student loans manageable for borrowers. I attended XXXX from XXXX. I took out some loans, but I am unsure of the exact amounts. Recently, I have delved into my loan history on the NSLDS website, printing my account summary by term from XXXX, and also accessing my credit report. It has been a nightmare ... where do I begin .... XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( both are my Current Guaranty Agencies listed on the NSLDS website ) have loans listed on my credit report dated back in XXXX, which was 15 years before I was born. Also, during the 10 years I have been out of school, I have attempted on so many occasions to setup payment plans with my lenders/servicers/collectors, but it's impossible because they keep switching my servicers/guarantors/collectors. There have been times companies have demanded payment but I was afraid to pay them because I was not sure if it was a fraud or not. The lenders do not update me with the switches that take place, then random debt collectors will demand payments. So, I just had a Treasury offset in the amount of {$6600.00}, I believe from XXXX, but no one can tell me what the monies were applied to. And to make matters worse, all 12 of my loans listed on the NSLDS website, all have several forbearances that have been processed without my authorization, which has added interest to the loan balanced. I also noticed that the loan amounts disbursed to me while in school, is lower than what shows on NSLDS. For instance, NSLDS shows that loan # 11 was disbursed XX/XX/XXXX for {$430.00}, but on my college award history, I only received {$300.00}, which is {$130.00} short. Several loans are like this and I'm not sure if this is a mistake on the part of the Lender, or the school. Also, when I attempted to go the XXXX website, it re-directed me to XXXX XXXX because I guess XXXX has took over XXXX. When I spoke to XXXX, they claimed that they have had my loans since XXXX! I don't think they have EVER contacted me to get any sort of payment arrangement set up. The rep told me that XXXX sent my loans to XXXX XXXX XXXX, which is XXXX 's collection agency. I called the number to XXXX and it said I'm being transferred to my servicer which ended up being Navient. The automated system provided me with the post claims department email ( XXXX ). I emailed them to address my loans as a whole ... .there 's too many moving pieces to just address one thing. I'm awaiting their response. Then, I attempted to contact XXXX XXXX & XXXX XXXX ( XXXX ), which is the servicer for 3 of my loans. The rep answers the phone as " default resolution group '', which is under the Department of Education. The rep tells me that my loans have been transferred XXXX ( previously called XXXX XXXX XXXX ). I left XXXX a voicemail and I'm awaiting their response as well. I registered on the XXXX website, and it does not show any payments for this year. The XXXX website and phone # says " no loans with outstanding balance '' or no loans associated with my name has been uploaded. When I call the # for the DOE and enter my ssn, the automated system says " sorry, I am unable to access your information at this time '' ... .it also gives two different websites to visit, but neither of them work : XXXX & myeddebt.ed.gov. This is they type of thing that has prevented me from progressing in the past. I believe these are intentional hurdles put in place by the banks to keep individuals confused, so that they can continue to add interest on our accounts. I have literally taken days off work to research all of my loan detail, but return to work feeling like I got nothing accomplished. It seems impossible to get anything accomplished because you have to go to so many different websites, call so many different # 's, and speak to so many different people. And as soon as you think you have it down, your loan servicer changes, or the # doesn't work anymore. THIS IS WHAT I'VE BEEN GOING THRU FOR YEARS. I have paid off plenty of bills in my lifetime & I WANTED to do the same for my student loans, but I just couldn't seem to get it accomplished. I feel that I am being taken advantage of in so many ways, but I'm not sure who to contact. I know for sure, my servicers have not served as a good medium between myself and my lenders. I feel like I have been on a roller coaster and wild goose chase trying to get a payment plan in order. I would be surprised if I qualify ( qualified ) for some sort of discharge, or income repayment plan. I have filled out forms and sent over then they say they didn't get it. XXXX XXXX/Navient/XXXX XXXX has processed unauthorized forbearances and I want ALL of them removed. XXXX, XXXX, XXXX XXXX & other collectors/servicers, do not do their due diligence to help me get arrangements setup. I feel this is purposeful neglect in order for them to profit from interest being added onto my loans. As of right now, I don't feel comfortable paying on my loans because I really don't know what I owe! from the time I received the disbursements I was being shortened, and now they're reporting false things on my credit report! XXXX is not listed on the NSLDS website, just like XXXX was not listed at a point and time. So it makes me suspicious to pay a company that I can not verify I should be paying. I also filed a dispute over the tax offset, but XXXX will not respond. I don't know what I owe, and I know those forbearances have made my balance go way uip, which means my tax offset may have been unlawful. I can not afford and attorney, so I'm hoping someone can help me. I will also be reaching out the to the Federal Student Aid Ombudsman 's Group, to file a complaint ( studentaid.ed.gov ). studentloans.gov says that I don't qualify for an income driven repayment plan, though I know ive applied for this option in the past. One major thing that is holding me back from showing documentation, is losing access to an email that I had for 7 years ( when I worked for a nonprofit ). When my job ended, my email was disabled with no forewarning. Documentation and correspondence that I've had with my servicers has been lost. I'm in a pretty bad situation here because I don't know how much I'll be able to prove ... .I want this debt gone, but I also don't want to pay for something if I qualify to have some of it removed! | ||||||
| 10/29/2018 | Yes |
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| Good afternoon, I am having issues with Navient regarding the repayment of my private loans. I have been on their private loan " rate reduction plan '' for the past 3 years. The benefit to this plan is that it lowers the private loan interest rates so I am able to pay my loans on time every month. Without this plan, I am unable to pay the loans on time, therefore hurting my credit and how I make future purchases. On the rate reduction plan my monthly bill is {$360.00} for private loans and my federal loans remain at {$370.00}. The plan used to go for 1 year and I would have to call at the 12th month and renew the plan. Since my finances have not changed much, I have been accepted for the plan the last few years. Last XXXX when I called in to extend my plan I was told by XXXX XXXX ( employee ID XXXX ) that I was approved for re-enrollment, but the plan had been cut down to every 6 months, therefore would expire at the end of XX/XX/2018 and I would have to reapply again then ( please see attached Customer Financial Information document ). In XX/XX/2018 I received an email to re-apply to the plan by filling out some questions online. The email had a link that I could click that took me to an online XXXX page. I filled out the paperwork on this page about how much I make and all of my bills and sent it to Navient on XX/XX/2018 at XXXX. I did not hear back, so I called Navient on XX/XX/2018 at XXXX to check the status of my application. A man named XXXX answered the phone and then hung up at XXXX. I called back at XXXX and a woman named XXXX ( employee ID XXXX ) answered. We went through the details of the application I sent in on XX/XX/2018 and she was able to extend my plan. The new plan went from XX/XX/2018- XX/XX/2018. On XX/XX/2018 at XXXX I received an email from Navient about re-enrolling in the rate reduction plan again. The email was similar to the one I received in XXXX, but this time I was unable to click the link to the XXXX page to fill out my information. I waited to see if another email would come with a link that worked. I waited until XX/XX/2018 and since no email had come, I decided to send an email to XXXX. My email said, Good afternoon, I am currently enrolled in the Rate Reduction Plan for my Private Student Loans and I would like to re-enroll. My unique identifier is XXXX. Is there a way that I can apply online for re-enrollment? Thank you, XXXX XXXX. On XX/XX/2018 XXXX responded, Hello XXXX, Because we aim to protect your personal information, we are unable to assist you with your request via email. However, we are happy to discuss your account over the phone. Please call us at XXXX. Were available Monday Friday XXXX XXXX to XXXX XXXX, ET. Sincerely, XXXX XXXX. I called the number given and the woman agent asked me the same questions that have been asked all the previous times. No major financials changes were made from last time to this time. I was told by the agent that she was not able to offer the rate reduction plan. She told me that the section that she would have to click was grayed out and that there was no way to even check if I could be accepted. She said that I should call back in XXXX and that Id be able to re-apply then. On XX/XX/2018 at XXXX I called Navient again and the agent who answered was named XXXX . She asked for the standard information ; my social security number, birthday, address, phone number and then asked why I was calling. I told her that I was trying to re-enroll in the rate reduction plan and she was happy to tell me that two weeks ago a policy was changed to make it easier for people to get approved for the plans. She said that its been so much easier on everyone involved and I was thrilled to hear that because the process has been very time consuming and stressful the past few years. After another minute she told me that the rate reduction plan was not available to me. I asked her why and she said that the section she has to click on is just grayed out. I asked her what that meant and she said that maybe my finances or FICCO score has changed, but that it doesnt give specifics and thats just what the management told them to say. She told me that my private loan payments would go up to {$530.00} a month, {$160.00} extra dollars every month. I told her that I am living paycheck to paycheck, so theres absolutely no way I can pay more than what I do now. She said that she could try to extend the terms on the loans to make the payments go down, but after she checked there were only 3 loans that would be eligible and it would barely make a difference in my payments. She said that another option would be to pay interest only and that would be {$480.00} a month. Again, I told her that I dont make enough money to pay that and that I need to stay on the rate reduction plan. I was told again that its not available, so I asked to speak to a manager or someone who could better explain why it wasnt available to me because Ive never missed a payment and Ive been on it so long. XXXX told me that the manager would tell me the same thing and that there was no point. She didnt try to get anyone else on the phone to help or give other solutions. She mentioned enrolling me in autopay and said that it would reduce the interest rates by .25 %, but that wouldnt help me much either. I asked her if she suggests that I should just pay all my loans late because that was what was going to happen if I couldnt be on the rate reduction plan. She said that she doesnt know what I should do and recommended a 3rd party to take over my loans for me. She also mentioned going on forbearance for 3 months, but my payments would raise to approximately {$550.00} a month after that and I told her that there was no way I could pay more. I was given different options, but nothing that will work with my current financial situation. Every month the private loan payment would directly come out of my account, so Ive never been late for a payment. I am unsure why I was declined this time and I want answers. I believe that Navient is making it as hard as possible to repay student loans. I am trying to be responsible and pay off as much as I can, but that does not seem to be enough for Navient. All I ask is that I stay on the rate reduction plan and continue to make the same payments that Ive been making for years. Thank you, XXXX | ||||||
| 05/30/2020 | Yes |
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Web | Older American, Servicemember |
| I would like to file another complaint regarding XXXX XXXX/Navients response to complaints filed by me and my daughter. I am referencing complaint # XXXX. Ms. XXXX basically does a great job of gaslighting our concerns. Our complaints were regarding ongoing misapplication of payments sent in ; her response speaks to too much payment on one loan group paid by my husband and myself and too little paid to the other loan group by my daughter. She is throwing up a smokescreen here to avoid taking responsibility, yet again. The loan group that my husband and I pay is comprised of three loans, ending in the numbers XXXX, XXXX and XXXX. My daughter pays on the other three loans, ending in numbers XXXX, XXXX and XXXX. Per Ms. XXXX response, my husband and I are overpaying but we pay exactly what Navient directed us to pay, {$490.00} per month. My daughter apparently is underpaying, sending {$350.00} per month. Again, this is the amount Navient had directed her to pay. We have paid these amounts for years. I suspect the amount my husband and I pay is too much now, because interest rates have fallen, and this has impacted the amount due. However, it is baffling why my daughters amount due would increase, as the interest rates have fallen in the same exact way for the loans she pays. As far as I know, interest rates are down for all Americans, in all loan types. My daughter has not ever been notified of an increase in her monthly due amount. These accounts were allegedly reviewed last in XXXX, when we last filed formal complaints against Navient, yet this discrepancy was not pointed out by Navient at that time. To further keep the smoke going here, Ms. XXXX never addresses the meat of the complaint. The specific accounts that had payments misapplied happen to be the three loans my husband and I pay on. These are overpaid, so there is absolutely no effect from the alleged underpayment by my daughter, nor does it in any way allow for straightforward misapplication of the funds sent to Navient. In other words, they got their money, why didnt it go where it was supposed to? Not only did they get their money, per Ms. XXXX own report, we sent them more than they needed. This is not logical, just nonsensical, and just gaslighting. I suspect this is corporate gobbledygook, where she just throws lots of words out there, and hopes that no one sees what she is doing here. Ms. XXXX continues to offer us the opportunity to use Navients Auto Pay system, never wanting to admit that the staff at Navient have previously taken more money from my daughters account than they were supposed to. I suppose she thinks we forgot about that theft, but we have not. We, meaning both my husband and I and my daughter, send payments automatically from our own banks. The payments consistently arrive on time, for the amounts that Navient has directed us in the past to send to them. Ms. XXXX fails to address the ongoing need for her to go into these accounts every month to fix the monthly misapplication of payments. She carefully constructs her response to avoid the topic of misapplication of monies and to avoid the topic of how this happens every month. Ms. XXXX also fails to address the problem that historically occurs when she is away from work for a few days, and there is no one to watch/fix the payment application, leading to late fees that then need to be reversed. She put lots of words down, talking about payment due dates, etc. but never addressed the meat of the complaint. I feel very very strongly that this needs to be followed up on. I can not continue to deal with this level of incompetence and deceit. I can not continue to have to rely on your agency to get Navient to address their problem. Keep in mind that this has gone on for ten years, and has never been fixed. Ten. Here we are just now learning that somewhere along the line, my daughters payment amount changed and she was not notified. Here we go again, and in the meantime, Ms. XXXX chooses to ignore the issue leading to the complaint. The issue was Navients misapplication of funds to three accounts paid by myself and my husband with more money than required. Strangely, in reviewing statements, I discovered that a number of months ago, it appears I underpaid. I have never been notified of a change in payment. We need a full audit of this account. I asked for this in XXXX, directly to Ms. XXXX, and got no response regarding this. This absolutely must happen, as according to the statements online, we are going to be hitting just principal after this coming months payments, and I can only foresee having problems with this. There is some kind of nefarious behavior happening here, and without an audit, perhaps a forensic audit, this can not be found out. I want six separate account numbers, one for each loan. This will remove XXXX ability to mismanage funds or perhaps steal them from us. This will be especially true if we are indeed hitting principal, as they will not be able to tinker with interest payments as a way to divert our payments. If it sounds like I am suggesting that they are stealing from us, believe it, I am. There is something very suspicious going on here. I want verification from Navient regarding what I am seeing on the online statement, regarding what is left for interest and principal for each of these loans. I do not and can not trust what is posted online, and perhaps can not trust what Ms. XXXX says either but more documentation is better than less. I want a plan in place for her coverage when she is away from work, so someone is responsible for watching these accounts. I want the name and title of that person, as well as their employee ID number. Since filing my first XX/XX/2020 complaint, I have downloaded statements and have an email from Ms. XXXX, detailing what I am saying here and showing her admission that the misapplication of funds happened in the loans that my husband and I pay, with more than the required amount of money. Because this remains unresolved, in any way and not at all in accordance to my above wishes, I am filing another complaint with your agency in order to address the lack of a response despite all the pretty words she uses, and continue to pursue an end to this. I look forward to hearing from you. Respectfully, XXXX XXXX | ||||||
| 06/03/2023 | Yes |
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| Hello, I submitted a requet to have my student loans discharged due to the closure and curruption practices of the college the loans were approved for. The college that I attended was located in XXXX, NC named XXXX XXXX XXXX. I dont understand why I have two set of loans for a XXXX trade school almost exactly a year apart. The class is a trade school paid upfront with approved studet loans for the whole estimated part time students for the state of North Carolina requires XXXX clock hours for the XXXX course. Students are expected to complete the course in no more than 133 % of the program length. If a student is never absent, he/ she should complete the course within XXXX to XXXX weeks for a part-time student. Due to being eligible to return in XXXX, I should have not had to apply for another student loan and I did not receive and funds back. The loans support deceptive practices. The second round of loans were even more than the original tuition. disbursement date of XX/XX/XXXX in the amount of {$2000.00}, XX/XX/XXXX {$1300.00} and {$2600.00} = {$5900.00}. ( Documents Attached ) disbursement date of XX/XX/XXXX for {$2600.00} and XX/XX/XXXX in the amount of {$4000.00} = {$6600.00} ( Documents Attached ) If I didn't maintain the required attendance required, it should have been reported to my student loan provider and would have been ineligible Common for XXXX schools do not have a leave of absence policy. If the student needs to take off more time than allotted in the contract or more than 14 consecutive calendar days, he/she must drop and reenroll when ready to return. Students who withdraw prior to completing the course of study and who wish to reenter will reenter at the same progress status as applicable at the time of withdrawal. Course incompletes, repetitions, and noncredit remedial courses have no effect upon the schools satisfactory progress standards. Reason ( s ) why request was denied The school to which your loans were disbursed hasnt been reported by the U.S. Department of Education as being closed and The student ceased to be enrolled at the closed XXXX XXXX campus prior to XX/XX/XXXX. ( NOT THE COLLEGE I ATTENDED ) ( Documents Attached ) I have attached the school accreditation dates from https : //ope.ed.gov/XXXX XXXX U.S. Department of Education . I could find it, I dont understand how Navient could not and returned with a different school name listed. Its XXXX XXXX XXXX not XXXX. I uploaded the auctual XXXX school information. The school is not even similar. ( Documents Attached ) I cant get my transcripts, attendance, hours completed, nothing. It is like I never attended the school accept for the student loans. ( Documents Attached ) I also tried to get the history for verification for sending the request to Navient, Account do not have any documents available that I sent to Navient. ( Documents Attached ) ... More info on DETERMINATION OF PROGRESS STATUS Students meeting the minimum requirements for academics and attendance at the evaluation point are considered to be making satisfactory progress until the next scheduled evaluation. REINSTATEMENT OF FINANCIAL AID for those who qualify If applicable, Title IV financial aid will be reinstated to qualified students who have prevailed upon appeal or who have reestablished satisfactory progress by meeting the minimum cumulative attendance and academic requirements. PROBATION AND REESTABLISHMENT OF SATISFACTORY PROGRESS Students failing to meet minimum requirements will be notified in writing and placed on Financial Aid Warning for the next evaluation period. They will be counseled regarding actions required to attain satisfactory requirements by the next evaluation point. During the Financial Aid Warning period, students are eligible, if applicable, to receive financial aid funds. If, at the end of the Financial Aid Warning period, the student still has not met both the attendance and academic progress requirements, he/she will be ineligible for Title IV assistance. A student may appeal the Financial Aid ineligible decision if he/she has a reason for not making satisfactory progress and if he/she can document that the circumstances that caused the unsatisfactory progress determination have in some way changed and that satisfactory academic progress standard can be met by the end of the next evaluation period. A student has five ( 5 ) calendar days from the date of notification that they are not meeting the second consecutive satisfactory progress determination to appeal the unsatisfactory progress determination. If the student appeals the decision, and prevails on appeal, they will be placed on Financial Aid Probation. The basis for filing an appeal, such as death of a relative, injury or illness of the student, or other special circumstances, must be documented. The student may obtain an Appeal Form from the Financial Aid office, once the Appeal Form has been completed by the student it must be returned to the Financial Aid Office. Please see the Appeal Procedures. If the school grants the appeal, it may impose conditions for the students continued eligibility to receive Title IV, such as changing schedules. For students who are not meeting academic requirements the schools educational team will develop an academic plan that will assist the student in meeting the schools academic requirements by the next evaluation period. If the appeal is granted the student will be placed on Financial Aid Probation for one evaluation period. If at the end of the Financial Aid Probation period the student has not met both academic and attendance requirements all federal aid will be suspended. Students may reestablish satisfactory progress by meeting minimum attendance and academic requirements at the next evaluation period. If the student has not met academic and attendance requirements for two ( 2 ) consecutive evaluation periods, and does not prevail on appeal, the student will be determined as not making satisfactory progress and may be terminated. This policy applies to all students regardless of whether or not they are eligible for Title IV funding programs. In order to comply with DOE requirements the terminology financial aid warning or financial aid probation will be used for both Title IV and non-Title IV students. | ||||||
| 06/27/2017 | Yes |
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| Navient has NEVER promptly responded to any correspondence I have sent with questions regarding my loan. Call after call attempting to collect the debt, but in no way on website, voicemail, email or otherwise have offered any solutions to my issue with the massive school debt amount with respect to how I could possibly combine, refinance, or actually review my employment pay amounts to set payments. Collection call after call, including during my time at work. I asked nicely several times to not call during my work hours, but to no avail. On or aboutXX/XX/XXXX, after much researching the internet on my own, I ran across the Closed School Loan Discharge Paperwork. I called and tried to communicate with NAVIENT with respect to my issues and was this the correct paperwork to process in an attempt to get some relief from this ordeal with XXXX XXXX XXXX XXXX XXXX, XXXX, AZ. I was told to process this paperwork which I did. On the application it states to include any internet, newspaper, etc articles stating the school closure. My packet of 39 pages was mailed to XXXX XXXX and Navient. I was never advised to " upload '' the documents through the website. I have to make several calls, email attempts, without contact back with the " status '' of my claim. Again, through my own research efforts determined that I should email the packet, which I did XX/XX/XXXX. Received many emails from XX/XX/XXXX - XX/XX/XXXX stating to sign into my account for details and status of my claim. Finally, on XX/XX/XXXX I found correspondence that stated I had been denied but without a validating reason. I was only told that someone in their Customer Advocacy Department had made the decision, however they could not read me the notes on my file. On XX/XX/XXXX I called NAVIENT to and spoke with EIGHT different representatives in the Collections department. I was requesting to be transferred to so that I may speak with someone in their Customer Advocacy department, but to no avail. I noted time, date and each representatives name, title and Employee # which is attached. Not only did I not get transferred to this department and out of collections, I was denied being given a phone number and or extension number to this department and was told someone would contact me. When inquiring as to the approximate turn around time for a response from this department would be..I was told whatever and whenever they decided to respond. Ultimately, I determined the reason I was denied, due to the fact that the " school '' had not " officially '' closed. Why would then Navient instruct me to process this paperwork knowing full well the exact outcome and end result? A waste of effort and time is my consensus. On XX/XX/XXXXI received a voicemail stating it was the Department of Education reaching out to offer assistance and to call back. In doing so, the phone number ( XXXX ) XXXX was answered as " Navient ''. I asked the person ... is this the Department of Education and she stated yes. I then commented they answered the phone Navient, and not Department of Education. She stated again emphatically they were the Department of Ed and worked with the Department of Ed. I stated, Navient is a " loan servicer '' for the Department of Education and asked why would she respresent to be a different entity. No response. she then inquired what she could do for me. I read to her my " voicemail '' message and said " you stated to call as you had some " relief '' for me. She went on to state that my application sent to the U.S. Department of Education mailedXX/XX/XXXX had been denied. I responded that she was absolutely providing incorrect information as I have n't had a response to date from them yet, denial or otherwise. She kept stating I was in default and my U.S. Department of Education application was denied due to this fact. I asked a few more questions and the answers did not seem correct..so I was told that this evening, XX/XX/XXXX I needed to file the Ability to Benefit from form to receive any assistance. I responded that I did not see that form on their website and she told me to XXXX it ... download it ... fill it out and upload to NAVIENT through their website. This felt weird to have a NAVIENT employee telling me to XXXX the formand not to have it available on their website, but I did to find the following : The Department of Education considers the following examples to be proof of Ability to Benefit falsification. These are examples only, not a complete list of criteria : A test requiring an independent test administrator was not properly administered ; The school allowed a student to retake the test earlier than the minimum prescribed waiting period or more frequently than allowed ; The school allowed more time than permitted to take the test, did not use all required portions of the test, supplied answers to students, allowed students to discuss the answers among themselves, or passed a student whose score did not meet minimum standards, or The test was not approved by the Department of Education. Even if an approved XXXX test is used, a false certification discharge may still be granted if the student was not given the appropriate portion of the approved test. This form and its context does not have one thing that is akin to my situation. So, here we go a second time being told by NAVIENT what to do to help myself and my situationto have it be erroneous information. Additionally, each time I have signed into my Navient account online, within a day, the latest time frameI will start receiving texts and phone calls from third party loan servicers stating they could help me get my loan discharged for a mere sum of anywhere from {$1800.00} to {$4000.00} ( depending on company ). I have archived the texts to show they correspond with the date of online entry to Navient. When inquiring to NAVIENT if they were selling my information ... they denied the fact. This is a tiny sample of my frustration and recent experience with NAVIENT for only the last three months. Please rest assured that I have much more documentation and many more issues with this company that I will not further address here at this time. I appreciate your time and consideration of my complaint. I only hope some type of resolution can be obtained. Thank you for your time. | ||||||
| 04/27/2018 | Yes |
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| My name is XXXX XXXX ( SSN XXXX ). After reviewing my credit score on XX/XX/18 I discovered that all three credit bureaus were currently reporting private student loans obtained between 10 and 12 years ago. These private student loans went into default when Sallie Mae refused to extend forbearance onto the loans nearly a decade ago. Sallie Mae then transferred the loans to a new company, Navient, even though they are private and not federal loans. Navient has been reporting these loans on my credit report predominantly as closed, charged off loans. These loans have negatively affected my credit report for 12 years and bear total charge off amounts vastly exceeding the original loan amounts. This is because Navient has fraudulently been extending forbearance without request by the consumer and has been increasing the total loan amount through accumulating interest and using this forbearance as a payment to keep the account current for a longer period, extending the statute of limitations and the date at which reporting falls of the Credit Report. In fact, as the time of my original inquiry, two student loans ( in the amount of {$7500.00} and {$7500.00} respectively ) show as having been paid this very month. In fact, the account history shows that the loan became current, then late, then current again, three separate times in the last three years, even though exactly zero payments have been issued and zero requests for any sort of forbearance are on record or were requested. Clearly, no such payments or requests have ever been made. The fraudulent activity on these accounts are illegal and defraud not only the consumer, but the government, who is accepting the charged off amounts as legitimate on tax documents, even though they vastly exceed the proper and legal charge off amount due to the illicit practices of Navient. After reviewing the accounts personally and realizing there are numerous and blatant errors in reporting, I personally contacted Navient and demanded that the accounts be corrected and removed from my Credit Report by sending individual letters for each specific loan and asking for proof of request for forbearance or payments made toward those accounts to justify their account history, the misrepresented amount owed, and their incorrect reporting timeline. When Navient received these letters, they responded by ignoring my request for correspondence entirely, and instead, Navient hired a third-party corporation named XXXX XXXX to attempt to collect the full amounts for the loans plus accrued interest for 10-12 years. I responded via certified mail, challenging the legitimacy of the debt, their history and the loan balances, and demanding validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) which prevents companies like Navient from using abusive, unfair, or deceptive practices in situations like mine. I asked specifically for all documents proving that request for forbearance or payments had been made in my name. Further, I demanded that they remove these accounts from my report as they were inaccurate, outdated and therefore were in violation of the Fair Credit Reporting Act. Moreover, when any debt becomes serviced by a debt collections agency, and the debt is challenged, validation of the debt must be provided within 30 days of the original request, unless an extension or special provision is requested as per 809 of the Fair Debt Collections Practices Act. Moreover, having received my letters and responding to them without sending requested validation means that they are now willingly noncompliant and subject to damages of up to {$1000.00} per instance as per FCRA and FTC guidelines. On XX/XX/2018, with no response from XXXX or Navient. I sent another set of letters via certified mail to the three credit bureaus demanding that my credit report be corrected as per rights under the Fair Credit Reporting Act and accusing Navient of attempting to skirt the rule of law by trying to sell the debt to a third party when I requested debt validation. I also stated plainly that Navient was in violation of the FDCPA regulations and was therefore subject to civil penalties and damages in court and that it was now illegal for the Credit Bureaus to report the debt as accurate Despite not responding to my request for validation or complying with consumer protections laws, Navient did indeed receive my letters, and as a response, they took all charged off loans and changed their status from Closed to Active so that it would adversely affect my credit score. They are now reporting that my open loan balance is {$110000.00} ( Including an added {$43000.00} of accumulated interest for an unspecified time of unsolicited forbearance wherein Navient fraudulently collected interest to charge off a larger amount ). To review, Navient falsely and illegally placed my accounts in forbearance, extending vastly the statue of limitations and the length of time the loans affect my credit score. When challenged on the fraudulent activity and asked per legal requirements to provide evidence of these fake payments and requests, none was provided, and they attempted to sell the debt quickly to skirt the law. When the collections agency attempted to collect the debt and was challenged, neither the collections agency nor Navient provided the legally required validation documents. Then, in an attempt to intimidate the consumer ( and to possibly defraud the government of more money ), Navient attempted to take decade-old charged-off loans and make the accounts active so as to further damage my person and to try to collect additional fees, interest, and tax write offs. All of this was done without any sort of bilateral communication, despite clear documentation that they did in fact receive all certified mail and requests as per multiple consumer protections laws and via multiple appropriate channels. I am requesting formal investigation into the practices of Navient as they violate multiple consumer protections laws and violate my rights under federal protections. Further, I am requesting that Navient remove these charges from my account as per government mandated statute of limitations and consumer protections laws. Thank you for your time, XXXX XXXX XXXX | ||||||
| 09/07/2017 | Yes |
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| I began attending XXXX XXXX University in XX/XX/XXXX. Although I was provided with the total cost of tuition before I started school, I was informed that I could not take one loan to cover total tuition cost, and instead would be required to take multiple loans. The school also failed to inform myself and other students the accelerated degree program causes students such as myself to miss out on Pell grants and other federal aid programs. XXXX XXXX 's XXXX 's program runs on an accelerated 21-month schedule, as opposed to a standard 4-year degree program, which causes students to miss out on a potential 2 years or more of federal aid. When recruiting new students, XXXX XXXX recruiters extol the benefits of the accelerated, but do not disclose the drawbacks ( I myself did n't even realize this until recently ). After the federal aid is used, the financial aid department then strongly pushes students to the private loan option, going so far as to put students in direct touch with XXXX XXXX agents. The first private loan I took out in XX/XX/XXXX was provided at a rate of 3.5 %, and while receiving no guarantees in writing, I was reassured by XXXX XXXX employees and my financial aid department that other loans would be at a similar rate based on my credit score. As I progressed through my degree, further loans were required, and although I was making active payments on rent and an auto loan, and had no other detriments to my credit aside from the student loans, my rates immediately began to rise to 8 % or higher. By the team I was near the end of the program, the only loan they would approve me for was at a 15.25 % interest rate with payments starting immediately, rather than after I graduated. If I chose not to take the loan, I would have been discharged from the school with no degree, and any loans I took previously would immediately go into repayment, even though I would n't have the degree needed to get the type of job that would pay me enough to pay the loans back. With no other choice, and unable to convince any other lenders to work with me, I took the loan and completed my degree program, graduating with a XXXX 's of Computer Science in XX/XX/XXXX. After graduating, the first job I was able to find was at a call center making $ XXXX/hour. My minimum monthly loan payments were set at roughly $ XXXX/month. I made my best efforts to pay as much of that as I could, but any time I called in to XXXX XXXX to ask about any consolidation, relief programs, or income-based repayments, I was informed that my only option was forbearance, which would bring my account to current. It was offered as a way to protect my credit by preventing partial late payments from being reported on my credit. I later found out that when XXXX XXXX applied forbearance, it immediately compounded all current interest into the principal. I also learned that forbearance is something you can only use a limited number of times, so once I had exercised it all, I was back to where I started with much higher principals. I was eventually able to consolidate my federal loans, and have remained current on those payments, but to this day I am completely unable to consolidate the loans, and the reason provided is the loans themselves. After XXXX XXXX became Navient, I was finally able to get into a deferred interest program, which set the interest rates on all of the private loans to 1 % and, for the second year I was on the program, to 2 %. I did not miss a single payment for the two years that I was on the program. Navient failed to disclose to me multiple things about this program, including the following : payments made while on the program did not count toward the required 3 years of consistent payments to apply to remove cosigners ; payments made while on the program only applied to the interest accruing at the 1 % rate, no part of the payments were applied to any loan principals ; the original terms of the loans, which were supposed to be 10 year repayment plans, were suddenly extended to XX/XX/XXXX( I did n't know this until after the program finished and I was digging through the loan records on Navient 's site ). When the program ended I re-applied to be in it, as it was about to change my monthly payments from roughly $ XXXX/month to roughly $ XXXX/month, and was informed after completing a financial statement that I would not be accepted into the program again, since ( paraphrasing ) " it was likely that I would be unable to make the monthly payments, and thus it would n't make sense to put me into the program again. '' I disagreed, citing the basic logic that if you anticipated me having trouble making a payment, why would the solution be to make my payment even higher, but they seemed to disagree with the point. By that time I was working as a XXXX XXXX for a XXXX XXXX in XXXX, making a decent salary and seemingly capped out on a credit score of XXXX. Despite all the positive factors on my credit, the amount of available credit and the debt-to-income ratio seem to be keeping my score at a maximum of XXXX. This immediately disqualifies me from most consolidation services, which seem to require a minimum of XXXX, as well as preventing me from being able to invest in a home or retirement. On my private loans, as of last month, my original principal of private loans {$86000.00}, with an estimated repayment date of XX/XX/XXXX. Since XX/XX/XXXX I have paid over {$35000.00}, my current principal of those private loans is roughly {$99000.00}, and my estimated repayment date is XX/XX/XXXX. I have taken this information to a variety of banks and financial institutions, and have been told every time that there is nothing they can do for me. Hopefully you can help me in some way, I want to pay back what I borrowed, I want to be responsible for my finances, I want to be able to invest in a house and retirement and my kids ' education, but as it currently stands, I do n't know how this does n't keep spiraling larger and larger until my finances are completely destroyed. My income has grown by nearly 400 % since XX/XX/XXXXand the situation still is n't getting better, my debt is growing at a rate that I can not beat. I do n't want to be a revenue stream for Navient for the rest of my life, please help. | ||||||
| 01/14/2020 | Yes |
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| According to the federal student aid US Department of Education I have 27 loans out. From XXXX to XXXX all of my student loans taken out where used at XXXX College in XXXX, MI but they say XXXX college XXXX MI I never attended this campus in any way shape or form. in XXXX some of my loans where Consolidated I never asked for this to happen but navient did it anyways In XXXX I attended XXXX University and then in XXXX XXXX University closed and where later sued for various reasons some of those reasons included that they lied to their students about enrollment about falsifying accreditation and things such as that. so I'm asking for my student loans to be forgiven and that was to be taken off of my credit score as well as those loans to be XXXX out and to be taken off my federal Aid list completely as in they never existed. In XXXX I attended XXXX University and have two loans from them both of those loans same thing as XXXX attended the school was told that they had high rates as far as graduation and I could get help with schooling I could get help with after graduation during school classes would be easy. During school I found no help classes were a lot harder I did online classes from no help and was lied to also they falsified things that they said during their promotional ads and they were later sued again same thing with XXXX. So I'm asking for my loans to be forgiven as well and to have them taken off my credit score as well as XXXX out and taken off my federal student aid list and no longer having them be seen. In XXXX I returned to XXXX College in the hopes of finishing my degree for XXXX XXXX only to find out that everything that I had started back in XXXX was not going to be the same as graduation rates have dropped graduation numbers were not true as well as I could not be grandfathered into the program like I was told originally. And after speaking with a couple of the advisors I would actually essentially have to take almost all of my classes again to get them to count going forward in order to take my XXXX XXXX license in the state of Michigan in order to be licensed plus because living were I do live I also have to carry a very high insurance rate which is not something that as a XXXXe XXXX XXXX College said you needed or said that was part of the grandfathering in. And upon looking into it when taking the boards or trying to take the boards for XXXX XXXX I can't be grandfathered in even having all the hours that I have I would actually have to retake all of my classes and pay out of pocket. Because of all of my student loans. So in essence I'm asking that all of my student loans from XXXX College also be forgiven because they lied not only about my degree that I never finished because I couldn't be grandfathered in I didn't graduate and I don't have a certificate I don't have a degree I don't have an XXXX XXXX XXXX and I don't have anything from XXXX stating what I graduated for none of my college credits transfer so all of the money that's loans for XXXX College are wasted all of my years there in time spent there is just time sitting in a classroom. In XXXX I attempted to go to University XXXX XXXX I got sick while I was there and I took time off and they said that's not a problem you can take a couple weeks off in between classes and then return to class I said okay not a problem they had you're ready to work add going on and it wasn't a big deal. Well then I was just looking up and I find out that University XXXX XXXX has gotten sued by multiple people over the last couple years 4 multiple things as far as false advertising loans rates job placement you name it they've done it. Under the borrowers defense I feel like my loans should be forgiven for the school as well. I just received a letter in the mail about a month ago from them stating that due to the advertisement under the ready to work and any monies owed to them would be forgiven and it would be noted in your credit score you don't owe them anything well within 45 days it would be XXXX now and cleared off your credit score I'm still fighting to get it cleared off my credit score one has been cleared off of one credit score the other two still not cleared off of their I've called XXXX and XXXX still not done and now I have to deal with it and now I have to get it cleared off of there. I have a clear case borrowers defense all four of these schools between dealing with navient and the Shady deals they've done and then telling me Oh we can do for your loans when I've wanted to do the repayment because I don't make a lot of money when I first got out of school and got XXXX and wasn't making a whole lot of money and then I was working in a XXXX and was barely making any money because I was paying XXXX and should have been able to use the XXXX as part of a way to get some of my loans clear now or paid off or forgiven, and navient when let me. And navient also has jacked up my interest rate I've deferred my loans and I haven't wanted to I wanted to do the repayment or the pay student loans or you know I've looked into other things and they've differed them and just very different things that they shouldn't have and now I find out that my consolidated loans are through XXXX and there's also things going on there that shouldn't be going on all around I've asked navient before questions and I get the runaround and I got the runaround when they were with Sallie Mae am I original loans brawl with Sallie Mae not navient I'd never heard of navient until a couple years ago when navient and Sallie Mae split and my student loans didn't even start showing up on my credit score until XXXX and my original loans were taken out in XXXX. Overall what I really want taken away from this is my loans cleared. End of story I just want them gone I don't want to have to deal with it me trying to get any type of loan or anyting I can't do it because of the student loans they've killed my credit I can't pay on them because of the interest rate on them. And to try and deal with navient is beyond ridiculous and they call you 7 8 9 times a day they call your family and harass your family they call your friends and harass your friends they send you 9 10 11 letters it's ridiculous help please | ||||||
| 03/20/2019 | Yes |
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| Hello, we are receiving a wholly new request from Navient to pay a loan that was paid in full two years ago in XXXX ( as they admit and as they documented ). We will be providing you the following documentation and timeline for submitting this complaint to discharge this unacceptable practice in trying to recover money on a loan that XXXX XXXX ( maiden name XXXX ) paid in full in XX/XX/XXXX for her Subsidized ( XXXX DL ) and Unsubsidized ( XXXX DL ) loans that were consolidated in XXXX and serviced by Navient. Here is the applicable timeline and supporting document history, none of which has been disputed by Navient : [ 1 ] XXXX : Documentation from Navient confirming all loans, the consolidated subsidized ( XXXX DL ) and unsubsidized ( XXXX DL ), were Paid in Full on XXXX with no balances active. [ 2 ] XXXX : Navient documentation that we received refunds from overpayment on each based on the Payoff Amount that Navient provided us. From Navients Account History this is evidencing that not only were both loans paid in full on XXXX, but they were overpaid, such that Navient issued refunds on both consolidated subsidized ( XXXX DL ) and unsubsidized ( XXXX DL ) loans. [ 3 ] XXXX : Official Navient PAID IN FULL electronic letter confirming all loans, consolidated subsidized ( XXXX DL ) and unsubsidized ( XXXX DL ), were Paid in Full on XXXX. [ 4 ] XXXX : Navient Paid in Full electronic correspondence acknowledging again that all loans were paid in full, such that they asked that we share our success story for our hard work in paying over {$320000.00}! [ 5 ] XXXX : Navient Statement showing we owed nothing through the last two years through billing period XX/XX/XXXX - XX/XX/XXXX then all of a sudden showing that we owe for a random amount as of XX/XX/XXXX ( {$3100.00} ) for the unsubsidized ( XXXX DL ) Loan that for which we were issued the Payment in Full letter AND received a refund on because we overpaid in XXXX. Navient couldn't have been more unprofessional when we called and asked for any substantive information other than we MUST pay it despite them not knowing why it is popping up two years later. We ended it by confirming they will look into this and send us supporting information via mail. [ 6 ] XXXX : We had counsel confirm that all three credit agencies show the loans as " Paid, Closed/Never Late '' as of XX/XX/XXXX and can provide documentation upon request. [ 7 ] XXXX : We also confirmed on the NSLDS that all loans were XXXX balance as documented in the attached, all show {$0.00} balance for XXXX XXXX ( maiden name XXXX ) for these loans as of this date. Since we wanted to document this in case they negligently try and go back and change it. [ 8 ] XXXX : After three weeks of requesting some supporting documentation that we owe thousands on loans paid in full two years ago, Navient simply provides us just a one-page letter saying we take it up with a random third party servicer ( who is not in any way involved ) with otherwise no information other than to confirm they agree we paid these all in full, that we hadnt heard from them since XX/XX/XXXX because they were paid in full, listed and satisfied as Paid in Full since XX/XX/XXXX. We hadn't moved or changed email addresses, so there was no failure to communicate, these were listed as paid in full for two years. They had no explanation for the mistake other than we now owe this randomly two years later. [ 9 ] XXXX : Was finally able to get through to speak to Navient again since they sent us the substantive-less one-page letter and they confirmed there must be some FSA issue from the XXXX consolidation that they otherwise can not explain or provide any documentation around as they agree we paid everything in full in XXXX. Navient said there is nothing they can do and they can not provide us any other information on the basis for this amount and our " only recourse is to take it up with FSA as last course of action. '' [ 10 ] XXXX : Case XXXX initiated with U.S. Department of Education Federal Student Aid ( FSA ombudsman ) who we spoke with and the ombudsman recommended based on the facts as described that we escalate within their department by providing them the information via email for escalation at FSA and resolution and satisfaction clearing this matter. Supporting documentation provided to them that all loans paid in full. They confirmed receipt and sent requests to Navient. [ 11 ] XXXX : Ombudsman says they will close case based on Navient 's response, but Navient provided a response at the direction of the FSA ombudsman that confirms only the above ( that is was paid and full ) and that Navient and Dept of Education made several mistakes upon some later review of the account that an error occurred almost 7 years ago in XXXX! And despite that they just say we owe regardless on the loan that was confirmed as paid in full and was accruing interest at a rate long since consolidated and refinanced and paid in full. ( Password of attached document : " NavientXXXX! " ). Their letter contradicts not only the paid in full documents, refund being issued for overpayments two years ago, every credit agency, and the XXXX, but also the two previous communications with Navient saying they didn't know the issue and couldn't account for it. How can we be expected to legitimize their DEMAND to pay thousands when they themselves confirmed it was already paid in full according to their own payoff letter, and they have no accountability for their admitted mistakes? They demand that we just go by their unsettling suggestion that we take their word that it was " confirmed '' by them internally as accurate without any documentation other than that which proves it was paid in full and that they made a mistake. How do we know they won't issue ANOTHER paid in full letter on the same loan and how can we take it seriously? It's unacceptable and an unreasonable treatment of someone who worked hard to pay off over {$320000.00} in FULL to then punish them for admitted Navient/Third party mistakes from XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. That can not stand. We request this egregious mistake be resolved and discharged for something that paid this off in full two years ago. - XXXX XXXX XXXX | ||||||
| 02/06/2019 | Yes |
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| Once graduating from XXXX XXXX in XX/XX/XXXX, I notified Salle Mae/ Navient I graduated and was no longer in school. My loan XXXX XXXX student loans were dispersed on XX/XX/XXXX. When I received my first loan statement after leaving school, I called Sallie Mae / Navient to ask about my account discrepancies ( loan amounts and default ) in the loan amounts. I asked why the loans were so high and asked them to verify the loan amounts. I was told by the customer service person she was sure they were correct but if I wanted to lower the monthly payment amounts, I should consolidate my loans. It was done while I was talking to here on the phone. I received the paperwork on how consolidating would affect my account later by email and mail. Consolidating changed my loan from 10 years to 30 years lower my payment by approximately {$30.00} and exponentially increased my debt. When I received the consolidation paperwork with the new statement, I called again to complain about negative effect the consolidation had on my account and how I was not made aware of the consequences before the consolidation. I was told nothing could be done. But I could pay my XXXX University Student loans first. Then the other loans would only then be due. So, I continued to pay back my first student loans from XXXX University. One time ( likely XXXX ), I sent a check with an over amount and the repayment coupon. I wrote on the check what month I was paying the payment for and the amount, then the amount of the extra money with a note that that it was to be apply to the principle. The note was on the check and coupon. The excess money I sent was applied to the interest. When I checked my account Salle Mae/ Navient statement and realized my overpayment amount was applied to interest. I specifically stated on the coupon and the check the breakdown of the additional funds. Of course, I called to complain. I was told there was nothing they could do. I never sent a payment with additional funds again. When I completed paying my first set of student loans, I called Salle Mae /Navient again to make payment arrangement for the second set of student loans. I was not able to make the payments as they appeared in my new coupon book. They were too high. I believe the were on the $ 600- {$800.00} range and my take home pay was in the range of {$2000.00} - {$3000.00} a month. I specifically asked if I could get the payments lowered so I could make sure it was within my budget. I was told NO I had to pay the full monthly amount. I repeated asked if they would work with my budget even asking to speak to a manager. I was again refused. I was told partial payment would result in penalties and the whole amount needed to be paid. The penalties could be higher than the payment. However, they did have a solution. Financial Hardship deferment. All my loans were deferred. And deferred and deferred. I called every few months asking to have my account reviewed and asking for repayment arrangement lower than my set loan amount and was denied every time, then placed back on deferment. I started working with a financial counselor with the XXXX XXXX. I explained my loan situation when we were going over my monthly bills. He urged me to call again and insist Sallie Mae / Navient work out a payment arrangement that fit my budget. My credit counselor had given me a realistic budget. I called again spoke to Salle Mae/ Navient and again was turned down. Although I began to call less frequent this cycle continued for years, until XXXX. Around late XXXX, I started hearing about income-driven repayment programs and other repayment options because students were having such a hard time with student loan creditors. By this time, I lived in XXXX and my work had literally been washed out during the Tax Day Flood in XX/XX/XXXX That year I didnt receive a regular paycheck ( if at all ) for 8 months out of that year. In early XXXX, I went to the Navient website and signed up for the Income-Driven repayment program with the Dept of Education. When I enrolled, I was given a letter stating my payment amount for the year would be {$40.00}. The was partially due to limited income for the year previous year. After the first year the repayment amount would be re-evaluated based on my XXXX income. I signed all the paperwork and was finally grateful I was able to start paying on this account based on my income. I had been asking for this option since XXXX XXXX. When I logged into my account to pay my first month payment. A fee had been placed on my account totaling over $ 1000+ from Salle Mae / Navient. I was distraught. I didnt have {$1000.00}. I would have taken me over 2 years of {$40.00} payments just to pay the fee. I had no idea what it was for. It had not been on my account previously. I was again deceived. I was done. I had to pay that fee before my {$40.00} payment would be applied. I quit. I had literally spent years asking for repayment help on the phoneLiterally crying, angrily asking to speak to management. Crying asking a creditor to take the money I had, but leaving enough for me to eat XXXX drive, work, live somewhere, and save ( which I could do either ). My heart fell because I was so excited about this repayment program. After so many years, I had been forced into paying for the school crime and forced to eat a bogus default and repaying to my XXXX University loans to completion. I had been complained for years to Sallie Mae management, the Dept of ED, the Ombudsman Office, University Management for years to no avail. Even the Ombudsman Office told me to work it out with my Sallie Mae / Navient or XXXX University on the times I called to complain, leaving them free to act as they will. Within six months, I heard again about thousand of people who were having the same issues as I had been historically having with Sallie Mae turned Navient. I was humiliated because I was now started to understand the harm being done. To add insult to injury AGAIN my greatly inflated loan was sold by those crooks with over {$10000.00} in fee 2 days before a court judged against them in a motion to dismiss part of the case. I have been contacted by numerous companies all claiming to own the loan. I going to fight this. | ||||||
| 09/28/2018 | Yes |
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| I am writing to you today to draw your attention to a very serious and potentially life changing situation plaquing many individuals. I have exhausted all other options in dealing with this, so I am writing to you in hopes that you can help me find a resolution. What I am referring to is a type of student loan consolidation that was such a failure, it is no longer used. This consolidation is called a spousal consolidation. Quite a few years ago, my then husband and I were having difficulty paying our student loans. Each of us had our own student loans from our XXXX degrees. Sallie Mae, now Navient, told me that the only option I had left, was to consolidate our loans together in a spousal consolidation. When the customer service representative told me this, I immediately asked her if these could be separated back out in the event of death or divorce. The representative informed me that they could, so I proceeded with the consolidation. From the onset of trying to get my loans deferred to finally getting this spousal consolidation finalized, took one and a half years. Every time I sent in one document and called to check on the progress, I was apologized to and informed that it was the wrong document and I would then have to send in another document. During this year and a half, my loans were being charged late fees every month. Every time I would call Navient regarding any questions I had, I would receive some answer that wouldnt make sense to me. I would hang up the phone and call back and get a different representative and a completely different answer. This process of misguided and inaccurate information has gone on for the life of my loans, causing thousands of dollars in late fees added to my account. I dont understand how Navient can do this repeatedly, never being held accountable and without any repercussions. Unfortunately, two and a half years ago my husband and I got a divorce. When we went to have our loans separated, I was once again apologized to for being given the wrong information and told that it was impossible to separate these loans and, in addition to that, because I was the one that filled out the application, the loans were now in my name and I was the one who would be responsible for paying on them. The only recourse I had was to have something put in our divorce agreement. We agreed to each pay half of the monthly payment on this spousal consolidation which is in an Income Based Repayment Plan. Every year we must re-apply for the IBR and every year when my Ex tries to fill out his portion of the paperwork, it comes back as saying that he has no loans. This process requires us to jump through hoops to get his application submitted. I must make numerous phone calls to Navient, he must fill out multiple paper applications and we typically end up having to do a conference call with a Navient representative to get this IBR approved. Typically, I discover through more phone calls that they used the wrong financial information and quoted us a wrong payment amount which requires several more phone calls. There doesnt seem to be a clear process with Navient on how to deal with this type of consolidation. In addition to this chaos, I have also been informed by Navient that the IBR payment, that only I am required to pay, will be based on, not only my income, but also my ex-husbands, who makes twice as much money as I do, and, If he or I re-marry, my payment will also be based on our new spouses incomes if we file joint taxes as well. In essence, my payments will be based on income that I have no access to. I have spoken with many supervisors regarding this situation, pleading with them to help me find a resolution. Again, and again, I am informed that there is nothing they can do. When I asked them why they dont come up with a new consolidation to help the individuals impacted by this type of consolidation, they inform me that it is impossible for them or anyone else, including the President of the United States, to change it. Ive asked how they can take loans from two separate individuals and make them one loan, but they can not divide one loan in half and give each individual one of the halves. They just tell me that that cant be done. Ive asked why these loans can not be dealt with in the same manor as IRAs and retirement funds that are split due to divorce, by obtaining a QDRO. They just tell me that they cant. Navient is absolutely unwilling to help me in any way. When I speak to Studentloans.gov, they tell me to speak with a supervisor and ask them to help me. When I tell them that I have, they suggest I speak with an ombudsman. When I spoke with them, the ombudsman informed me that the only way this could change is if I am severely disabled or I die. My response to them was great! My only option is death! At one point, I sought legal advice. When I explained my situation, the attorney specifically told me I hate to be blunt, but, you are absolutely XXXX, I am so sorry, but there is nothing I can do for you. I ask you to please put yourself in my position and consider how you would feel hearing these responses to my inquiries. I do not believe that the President doesnt have the power to do something to help the individuals impacted by spousal consolidations. There must be an answer! This situation has impacted my life in so many ways. I am a XXXX-year-old woman who spent her married life as a XXXX. I did work a XXXX job as a XXXX XXXX at a XXXX XXXX. That is where the bulk of my work experience comes from. Now that I am single, the only work I have been able to get is XXXX in a XXXX XXXX. As you know, this is not a high paying job. Because of my student loan situation, my income to debt ratio is ridiculous. Therefore, I will never be able to get a mortgage or even a loan for a vehicle. The mortgage on the house I am living in, which belongs to a relative, is less than $ 600/month. I think we can all agree that rent on a small single-family home would run much higher than that. If I lose the ability to live in this house, I will not be able to afford rent and put a roof over my childs head. Under these current conditions, I dont see how I will ever get ahead and become a successful member of society. | ||||||
| 04/16/2018 | Yes |
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| In XX/XX/XXXX, I began XXXX school to work on a XXXX XXXX Degree. I completed the coursework in XX/XX/XXXX and began focusing on writing my thesis in XX/XX/XXXX. I was enrolled at XXXX ( XXXX ) for the required number of thesis hours. Around XX/XX/XXXX, I received a call from Sallie Mae telling me that it was time to repay my loan because I was no longer enrolled as a full-time student. I told them that I was still considered a full-time student because I was enrolled in XXXX school with thesis credit hours. They refused to continue the student deferment and told me that if I didn't begin repayment, my loan would be considered " in default ''. I told them that I couldn't start paying them because I was not working because I was working on my thesis. They told me that if I couldn't pay, my only option was Forbearance. They explained that it was like a deferment. They said that they could set it up for a certain period of time and that when that time expired, I would need to make arrangements for repayment or do another forbearance. I had looked at my balances a few months before they called me and they totaled around 60,000.00 around the beginning of XX/XX/XXXX. They also told me that because they didn't show me as being enrolled full-time, that my loan would be charged late fees. They would be rolling the late fees and interest from XX/XX/XXXXthrough XX/XX/XXXX to the end of my loan. This would bring the account current. They told me that I would still be charged interest during the forbearance and would have the option to pay it later. The forbearance would be for up to a six month period. They set it up for the six month period and rolled everything over for my two loans. When they finished with this process, they told me that I would need to call them at the end of the six months and set up my repayment plan or file for another forbearance. When I called them at the end of XX/XX/XXXX, I was told that my balance was around 87000.00 which shocked me. I asked how it went from around 60,000.00 to XXXX and was told that it was because of interest and late fees that were rolled to the end of the loan. I told them that I was still enrolled with thesis hours and working on my thesis. I had a job by then, but wasn't making enough money to pay them back on top of rent, utilities and living expenses. They stated that I would need to do another forbearance. I told them that I had spoken to XXXX and that XXXX says that as long as I'm a XXXX student enrolled in thesis hours, I am still considered to be a 'full-time student '. The person I was talking to stated that Sallie Mae required that I be enrolled in no less than 6 credit hours to be considered 'full-time ' ... .even for XXXX students. Because I didn't meet their requirements and couldn't repay, I would have to file for another forbearance. They got it all set up. I quit arguing with them about my 'full-time ' status. I finally finished my thesis in XX/XX/XXXX. I was set up with a forbearance through the end of XX/XX/XXXX. I began repayment in mid-XX/XX/XXXX. Between XX/XX/XXXXand XX/XX/XXXX, my loan went from around 60,000.00 to around 160,000.00. My husband and I were both in shock when we saw the balance owed when we began repayment. It more than doubled in the amount of time. My loan should have been in deferment from XX/XX/XXXXthrough XX/XX/XXXX. If it had been in deferment, I would have been expected to begin repayment byXX/XX/XXXX. At the most, I should have only had one forbearance for a six month period and I wouldn't have owed what I do now. We are sick over the amount of money that has been charged to my loans and that I am now responsible for paying. We have been paying consistently and aggressively since XX/XX/XXXX. Just for context, I also had a loan through XXXX. It was in deferment until six months after I graduated. It was for XXXX and has been paid off since XX/XX/XXXX. Although I completed my thesis in XX/XX/XXXX, I was not able to graduate until XX/XX/XXXX. XXXX told me that I had to wait until XX/XX/XXXX ( that is the only time they have a ceremony ) because it was too late for me to be included in the XX/XX/XXXX graduation at XXXX University in XXXX. My diploma would show when I completed my XXXX XXXX Degree. All in all, I feel that Sallie Mae/Navient took advantage of me. This was a complete disservice. I don't feel that I should have owed more than XXXX ( or whatever my balance would have really been had it been in deferment with one forbearance ) when I began my repayment. I feel that this needs to be corrected and that my account should reflect the true dollar amount that I owe. If they had not done all of the unnecessary forbearances, my loans would almost be paid off by now. We put a large sum on it when we began repayment. ( I have a reference number from XX/XX/XXXX or XX/XX/XXXX where the woman I spoke to stated that my current balance was XXXX. She said that one loan was XXXX and the other was XXXX plus interest of XXXX ) When I called to set up my repayment plan in mid-XX/XX/XXXX, that is when I found out that my balance was 160,000.00 plus. I don't understand how it is possible that it could have jumped XXXX in those months. I also checked my credit in XX/XX/XXXX and my student loans were showing as being in default. I called Navient about this and was told that they would show that way until I began repayment. As a result, I was unable to be on the loan for the home we were trying to buy because my credit was ruined. My husband and I would like to be included in this lawsuit. We want my account reviewed. I don't have the exact dates and balances, but I have given the above information as accurately as I can. As of today, my balance is paid down to XXXX and I still believe that this is outrageous!! XX/XX/XXXX, the interest rate on my loans jumped up from 2.320 % to 6.8 % without any notice. I am not sure how they can do that when the loans were consolidated and the interest rate was set at the 2.320 %. My repayment had me making smaller payment amounts through XX/XX/XXXX and increasing in XX/XX/XXXX. I can understand that the payment amount would change under the repayment, but I was never told that they interest rate would increase as well. | ||||||
| 05/19/2017 | Yes |
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| On XXXX XXXX , XXXX , I contacted Navient Account regarding my loan # XXXX to obtain information regarding the estimated number of months left before I would be able to apply for a loan forgivenes s under the Public Safety Loan Forgiveness program . The first customer service agent I spoke with advised me that the loan program that I was currently in did not qualify for this program. I was transferred to another agent that had better details and explained that my loan was not on the correct repayment program and that I needed to be on income based repayment plan and that I was not currently on that plan. She then advised me that I needed to consolidate my loan and offered some examples of how that could occur. Finally, she advised me that my loan type was not even the correct loan type and that it needed to be serviced by a federal student loan program and tha t Stafford loans that I currently had were not correct. I asked her what needed to be done to correct this and advised of a telephone communication that I had had with them approximately 4-5 years earlier when I contacted them to set up my monthly payment amount and my inquiries about this loan forgiveness program. I have been employed in as a qualifying public safety position for almost 10 years now. I recall some specifics about that conversation with respect to the following : 1 ) If being a county government probation officer q ualified under this program and was advised it did. 2 ) What was the total number of payments that needed to be made and it was 10 years ( 120 payments ) 3 ) If my loan qualified and was advised it did. 4 ) If the payment plan qualified and was advised it was. I relayed this to the agent and she advised me that items number 3 and 4 were not accurate. She inquired if I got this information from Navient or another servicer. I told her that I recall that my loan was serviced by someone else prior to Navient b ut could not recall the name of the provider and she could not tell me whom it was. I stated to her that I contacted my first servicer, whom I now know was XXXX XXXX , when I first started my employment and recall that I did qualify and that I needed to make my payments. At the time, I was not able to make payments towards my loan in the amount they needed. I can not recall if I have made a total o f two or three calls to my loan servicing company. However, I distinctly recall contacting them when my loan was transferred to Navient to ensure nothing changed with respect to the status under this loan forgiveness program. The final call I made to them was likely in XXXX when I was able to make payments towards loan. At this time I was very specific with respect to discussing this matter as I was entering the payment phase of my loan. At the termination of this phone call, I was under th e ( now false ) impression that I was set up and was making qualif ying payments towards this loan forgiveness program and that no further action was needed on my part except to make payments by the due date each month. I contacted Navient on XXXX because I am coming up on my 10 year anniversary with my current employment and wanted to get an update on where I was at with my payments. After the conversation with the Navient employees, I felt like I have been kicked in the gut. After this months payment, I have made 57 payments towards my loan, all of which were supposed to be moving me closer to meeting my obligations for this loan forgiveness program. I asked repeatedly what can be done to resolve this error and was told that they are not in charge of this program, I did not qualify with the loan type and payment plan. They suggested that I could consolidate my loans with them and become eligible. However, I asked them why I would consolidate with them but then have to change my loan to another servicer that oversaw that specific program. They provided me with phone number to who operated the program. I did ask several times what could be done to resolve this and was advised there was not resolution to this and that I should request the new provider to look into crediting me for the previous payments. I did follow up phone calls to the department ( servicer ) of the forgiveness program, based on crude estimates of my income and loan balance , my loan payment would increase to over XXXX a month which would equate to around {$48000.00} in payments and 10 years before I would even be eligible for forgiveness. I have currently mad e 57 pay ments towards my loan. Now I am at the beginning, and based on my current age and retirement criteria, I will likely not be employed in a qualifying position at the time I am eligible for forgiveness. I have m ade 57 paym ents totaling {$9000.00} for nothing. As a result of the business practices of being deceptive or due to incompetence, I am at square one with respect to this program and will likely not be able to take advantage of it due to the likelihood of not being a public safety employee after the 120 pa yment requirement. In addition to this, I contacted XXXX XXXX after my graduation regarding repayment options for my loans. I was steered towards the forbearance program. I recall discussion with them during this time about various repayment options and the monthly payment amounts they were demanding were not a viable financial option at the time. I hate to wonder if there were other options that were available that would have helped keep the loan balance lower. Please understand that the forbearance conversation occurred approximately 10 years ago. The payment plan that was to be set up for t he Public Safety loan forgiveness occurred approximately 5 years ago when I set up the current payment plan. I do not have names of people I spoke with or other specific information that might be more helpful. However, it was not until XXXX , that I learned that the 57 payments that I have made were for nothing. Sadly, they have " no records '' of this to include telephone, email or mail that was sent to me about the " correct '' way to apply for this program. I do not have any documentation as it was a telephonic conversation and no further action was needed on my part. | ||||||
| 05/02/2018 | Yes |
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| I have been swallowing my pride for far too long, but now my back is against the wall and I feel as though I have no where left to turn. The reason I need help is because of my student loans. I know what you're going to say -- '' everyone has student loans! '' and although that's true, I've buried myself in a larger hole than most. A predatory lender and my school are both to blame for preying on a my nativity. Lets rewind to XX/XX/XXXX. I just graduated from XXXX XXXX high school with a graduating class off XXXX. I grew up in a small town with big dreams of becoming a XXXX. I lived for making sick XXXX XXXX of my friends and my XXXX collection was extremly impressive for a XXXX year old. I would spend hours XXXX and XXXX XXXX that I was proud of. I knew the only way to progress was to further my education in college. I decided to attend XXXX XXXX XXXX XXXX in XXXX. During my first visit, I was in awe. It was a potential playground for my imagination and skills to grow ( plus the school was partially owned by XXXX XXXX XXXX, so it seemed too good to be true! ). I knew it would be expensive, but I figured it was a good investment for my future. And When I finally landed that dream job that XXXX promised to help me find, my student loans would be no problem. I ended up borrowing a {$50000.00} private student loan from Navient ( you ) for a 2 year education, because that's that only loan options XXXX accepted. It seems like a lot but it was all for a school that promised me the world. During my years and XXXX, I slept of the floor in my friend 's apartment. I ate XXXX XXXX XXXX day old bread with free mustard and ramen noodles every day. It all seemed worth it when I graduated with excellent grades. I felt a sense of accomplishment for being the first in my family to complete a degree. When it was time to venture out into the real world, the potential jobs XXXX promised to help me find were nothing more than entry level minimum wage jobs. I was offered a minimum wage job to be a XXXX XXXX in a costume at their park. I knew that was not going to help me progress in my chosen field let alone pay the bills. I ended up landing a internship on my own accord at a XXXX XXXX. When my student loans started rolling in, they didn't seem so terrible initially. The first payment was {$200.00} for the month, then the next {$250.00}. They kept getting progressively higher until they reached {$2500.00} a month. My internship was ending and I scrambled to figure out what to do next. I found the first job I could at a XXXX XXXX until I could figure out my next move. I called Navient to figure out what the heck was going on and why my payments kept going up. The interest on this loan was INSANE. I didnt know how loans worked when I initally signed my life away. I had no idea that all student loans were not created equal. I pleaded with them for payment options. Could I extend the amount of time to pay back my loan? Are there any income driven payment plans? What about federal student loan forgiveness programs? All of those questions were quickly shot down with a no. Although Navient ( you ) did tell me I could magically freeze my account with a forbearance by joining the military. They did fail to mention it would still accrue interest during the time is was frozen. With little options and time running out, I signed my life away to the military that same week to make my problems temporarily go away. That has been my life for the past 5 years. I made a huge, life altering decision because I was bullied into doing so. I knew I couldn't run forever and this is starting to finally catch up to me. I knew little about the loans I was borrowing. Because they are PRIVATE student loans, they don't qualify for federal forgiveness programs. And because they are private STUDENT loans, I can't get out of paying for them even if I declare bankruptcy. So I'm stuck between a rock and a hard place. To rub more salt into the wound, I can not continue my education because all the credits acquired at XXXX are utterly useless. They we're an unaccredited school during the time I went. Absolutely no institution of higher education will recognize the credits I supposedly earned. To make matters worse they are now accredited and accept FAFSA. At the time I went, I was assured that accreditation did not matter because how how " prestigious '' there school is. What a load of XXXX. I feel ashamed I let Navient and XXXX take advantage of my younger self. As a kid I was always told college was the way to go so I just assumed I was doing everything right. The worst of it all is that I no longer have the passion and drive I once did for the craft I truly loved. I have made many calls, spoken to lawyers, and I'm finally at wits end. over the past 5 years my loan has jumped from {$50000.00} to nearly {$80000.00}. Starting this XX/XX/XXXX, I will have to pay {$1000.00} a month for the next 15 years making it close to {$150000.00} owed. Thats over 1/3 of my paycheck every month. There is a law that prohibits lenders from charging XXXX XXXX military more than 6 % on any loan, so if I leave the military sooner than 15 years, that could make that {$150000.00} closer to {$200000.00}. I simply can not afford it. If I default on my loans, they can take everything from me. My house, my car, and my credit. This jeopardizes me and my family and I am beyond grateful to any of my friends and family who can help me in any way they can. Although I joined the military out of desperation, I do love my country and I have had a rough yet fulfilling 5 years. I have endured gruling deployments, and sacrificed time with my loved ones. I have grown so much as an adult. I pay my bills, set budgets and don't splurge on things I don't need. I wish so badly that I could go back in time and tell my bright-eyed younger self to not trust the school that once promised me so much. We live and we learn, but some actions have greater consequences than others and this is something that could really demolish my future. I was told that Navient may '' offer me additional help when my forbearance is over. I need to know what that help entails. | ||||||
| 02/24/2018 | Yes |
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| I wish I could succinctly give you my problems with XXXXXXXX/Navient ( I was originally with XXXX XXXX but they changed my loans to Navient when they split ), but there is so much history. I will say that right now I am filing the complaint because after my loans went into default I was offered a repayment plan through a Navient Debt collector ( XXXX XXXX XXXX ) and they told me that if I made regular payments they would not go after my cosigner and it would protect my credit. Now despite making these payments Navient continues to negatively report me to credit bureaus which drops my credit score approximately 15-18 points each reporting. Furthermore the original dispersement was for approximately {$22000.00} and over the years I have made ~ {$16000.00} in payments and my loan balance is still over {$20000.00}. The rest of the complaint is the detailed account. I graduated in XXXX. I had roughly XXXX in Federal Loans and Roughly XXXX in Private loans. After my grace period I began paying regularly from XXXX until I left my job after having my first child ( because the cost of childcare made me going back to work a XXXX sum game ). Eventually I applied for an IBR for my federal loans and it has been set at XXXX for years because my family does not bring in much money. My husband worked multiple jobs as an XXXX XXXX and occasional XXXX XXXX while getting his XXXX and I spent a few years working as a XXXX XXXX, hoping to eventually go back to school to become a XXXX XXXX. We had times where we were on medicare and foodstamps and times where we could afford our own food. The IBR was always set at or near {$0.00} but the private loan department could not care less about my ability to feed my family. With my private loans I paid a fee and applied for a hardship forbearance in XX/XX/XXXX. I began making payments again XX/XX/XXXX, however I could not afford the full amount so they told me the only thing they could offer was interest only. I was so afraid of defaulting ( especially because my mother was a cosigner, I never knew that cosigner release was an option when I was making regular payments prior to my financial hardship as I believe XXXX XXXXNavient tries to hide this fact ). From XX/XX/XXXX-XX/XX/XXXX I made regular payments on this interest only plan. At that time ( XX/XX/XXXX ) they said I could no longer continue with Interest Only Payments and the only option was to pay more than {$300.00} per month. That amount was simply untenable. I spent hours and hours on the phone with them and they said there was nothing they could do. At most they said they could lower it to around {$270.00}, but that was just absolutely impossible for me to pay that amount and continue to feed my children and keep a roof over their head. There was nothing I could do and my loans went into default status. For a few months the Navient collectors would call myself or my mother and harass us or alternately offer us to pay off the balance of roughly XXXX with a one time payment of {$9000.00}. But of course, someone who cant afford {$300.00} per month can not come up with {$9000.00} they suggested I take out a loan or ask a family member to take out a loan for me. But again, naturally someone with XXXX in defaulted debt will not qualify for an unsecured loan and frankly I find it extremely predatory that they would ask me to ask family members to take out a loan for me. I had no house to take a loan against and my husband and I shared a modest vehicle ( which when we ultimately had to sell it, sold for {$1800.00}, not nearly enough to pay {$9000.00} ). At the end of XX/XX/XXXX XXXX offered me a repayment plan. They said that if I made regular monthly payments they could reduce my interest to .001 % and I only had to make an initial payment of {$200.00} and then monthly payments of {$150.00}. They said that this would protect my cosigner and myself from harassment and would protect my credit. I felt I had no choice but to accept the plan, especially to protect my mother who is now retirement age but still has to work at a XX/XX/XXXX just to pay her monthly bills ( she would have had a more secure retirement but she had XXXX XXXX in XXXX and the medical bills-even with insurance-destroyed her and my fathers retirement savings ). Since that time I have basically just been racking up credit card debt in order to pay this monthly bill ( it is charged to a credit card ). My husband and I and our kids had to move very far away from family because there were no jobs for him where we were. I can not yet work here because of language barriers. My husband is trying his hardest to support us, but he also has student loan bills ( upwards of {$1000.00} per month-which went into repayment more recently after my default since he was getting his XX/XX/XXXX up until XXXX ). He is also afraid to default since his father is cosigner and he had to stop working a few years before retirement and go on XXXX a few years ago after multiple massive XXXX XXXX left him unable to work. Despite my going into credit card debt to maintain regular payments Navient continues to negatively report me to credit bureaus causing my credit to fall from fair/good to fair/poor. When I contacted XX/XX/XXXX they told me that I was doing everything correctly and making my payments. They said that they do not report me to the Credit Bureau and I would have to contact Navient. When I contacted Navient they told me that they couldnt remove the loan from my credit report until it was paid or settled-to which I replied that I understood but that they continue to negatively report me ( as though I am not making payments at all ) despite the fact that the collectors told me that the payments would protect my credit. They told me I would have to contact XXXX with any questions. As you can see it is an infuriating run-around to deal with Navient and their umbrella collection agencies. No one will give me a straight answer, and frankly I cant understand the point of going into credit card debt to make these payments if they arent keeping me in good standing. | ||||||
| 04/12/2018 | Yes |
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| Dear Agent, As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ]. No assured value, No liability. Errors & Omissions Accepted. All Rights Retained. WITHOUT PREJUDICE W ITHOUT RECOURSE NON-ASSUMPSIT - Calls may be recorded AFFIDAVIT OF OWNERSHIP XXXX XXXX, do solemnly affirm, declare and state as follows : 1. XXXX XXXX is a woman, above age of XXXX, and capable to state the matters set forth herein. 2. All the facts herein are true, correct, complete, and admissible as evidence, if called upon as a witness, XXXX XXXX will testify to their veracity. XXXX. XXXX XXXX, holder of the duly authenticated Certificate of Title, and will present it as a counter deed. According to trust law, XXXX XXXX hold physical possession of said deed to said certificate. According to commercial law, XXXX XXXX hold a first in time, first in line document of said certificate, is the real party in interest, and holder in due course to the Title to said certificate. 4. XXXX XXXX is of lawful age and being first duly sworn on oath, depose and state that I am familiar with the facts recited, and the party named in said certificate is the same party as one of the owners named in said certificate of title. Plain Statement of Facts 1. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability that XXXX XXXX, has engaged in conduct causing harm, loss, or injury to the United States and/or the public, and XXXX XXXX believes that no such evidence exists. 2. XXXX XXXX denies Account # XXXX, et al, and believes that no such Account Number or amount exists. 3. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Legal documents to prove that the SALLIE MAE is legally authorized to collect, and XXXX XXXX believes that no such evidence exists. 4. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Account # XXXX, et al, and the amount of the actual debt, and XXXX XXXX believes that no such evidence exists. 5. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of payments made on the accounts, Account # XXXX, et al, and XXXX XXXX believes that no such evidence exists. 6. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of accounting of the accounts, Account # XXXX, et al, including all interest and fees, and XXXX XXXX believes that no such evidence exists. 7. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of fees and interest amounts, and XXXX XXXX believes that no such evidence exists. 8. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a signed contract showing the terms about the debt, and XXXX XXXX believes that no such evidence exists. 9. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of the owner of the debt/or assignee the debt, and XXXX XXXX believes that no such evidence exists. 10. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof, a copy of a true bill from the original creditor, and XXXX XXXX believes that no such evidence exists. 11. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a complete payment history, starting with the original creditor, and XXXX XXXX believes that no such evidence exists. 12. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a certified, authenticated copy of the original signed agreement or application, and XXXX XXXX believes that no such evidence exists. | ||||||
| 06/22/2021 | Yes |
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| Navient mislead me into paying thousands of dollars in interest. It was never clear they were allocating my payments nearly all to interest, and Ive never seen this kind of loan now that Ive unearthed the details. When the first documents came- XXXX- I didn't even understand I would pay $ XXXX/month for ( 3 ) years and pay nothing at all towards the principle of the loan, and that payments would balloon to $ XXXX/month after that time. I called Navient and got advice every year in how to lower my monthly payment- and it didnt occur to me how I was misled and steered into the worst possible plans for myself- while Navient was bilking me out of thousands of dollars in interest. 15 years later- the obvious lies of their representatives made me dig deeper- to find out with a 4.75 % rate over 15 years -- I had already paid nearly {$11000.00} in interest and only a little more than {$4000.00} in principal on an {$18000.00} loan. My total due is still over {$14000.00}. As of today, I paid ~ $ XXXX on an $ XXXX loan and still owe nearly $ XXXX. This is predatory lending. If this was ever clear to me- I would have intervened sooner. The Navient website is not clear in any way- not like any other lender that provides clear and reasonable information on your loan. Nothing like a mortgage, credit card or other loan provider- they obfuscate the lenders information to mislead intentionally. XXXX : It was not clear that I would be charged interest for all of my unemployment deferment- but I was. Navient reps often say, You wont be charged interest on XXXX portion of your loan!! because they are obfuscating how much interest you will be accruing. How much of the loan is subsidized? Can I even see this XXXX the site? because if so- very unclear. XXXX : I also asked about the CARES act in XXXX only to be again mislead into a plan that still accrued interest- though I was eligible to go into 0 % interest until XX/XX/XXXX. Costing me hundreds of dollars unnecessarily. XXXX : I submitted an application for a new IBD that was denied twice due to me making too much income. I reviewed the income terms and knew this to be untrue. After calling ( 3 ) times- a rep admitted I had answered one question incorrectly -- and that is why the application was denied. She helped me change it and then I was approved. However, if one rep had guided me correctly or any correspondence- I would have known the one mistake and corrected it prior to the end date of my old term. Its unclear if I was or was not charged interest for their failure to guide me into how to correct the application. XX/XX/XXXX -- Last month when the IBR was finally renewed- I called to see if the monthly payment could be a little lower just based on the fact I had only recently returned to full-time work. Again- I followed the advice of the Navient rep- who said if I paid her {$120.00} today she would put my on a plan for $ XXXX/month. I did not feel comfortable making a payment over the phone and told her as much- but she insisted. I acquiesced and paid- only to check the next week my next payment would not be {$60.00} as promised- but {$670.00} instead. It came to my attention that the plan she said I was eligible for- I was not. She literally took money over the phone from me in a fraudulent act of misrepresentation, a verbal contract in which she had no intention of upholding. Ive been in contact with the DOE Ombudsman, and was put in touch with XXXX XXXX from the Office of the Customer Advocate. She has inferred she removed {$400.00} from my principle balance- but literally she must added the same amount to interest owed- because my total balance is the same as before my dispute. Heres a screen shot of my account history from today- can you tell what is going on? I can not. Please help. I have an excellent credit score, was late twice in 15 years on these payments- and feel very duped and taken advantage of. Im trying desperately to consolidate and change providers -- but have been advised a few times by XXXX XXXX to wait until she concludes this case for Navient. She even charged me interest while I waited the past month for a resolution, despite telling me she would not. I dont think I should owe interest for the time I couldve been in 0 % interest due to the CARES actand they should allocate some of the interest they have taken in payments and put it where I thought it would go- principal. All of the attached documents say {$0.00} in Interest or Capitalized interest and seem to mislead the borrower into thinking they are not paying thousands only in interest. How is this legal? Navient has added {$400.00} interest owed SINCE I ASKED THEM TO START THE INVESTIGATION when I had {$20.00} interest owed, as is shown in the image below dated XX/XX/XXXX. As of XXXX I owed {$21.00} interest, since I was put on a forbearance based on my requesting an investigation and wanting to change loan servicers. Why do I now 20 days later- owe nearly {$400.00} in interest? XXXX XXXX is very articulate in being deceptive while wronging students. She sounds sane and compassionate until you realize she is delaying borrowers from moving servicers, lying, and then adding debt arbitrarily to my loan balance. If subpoenaed- phone calls between us- will clearly show XXXX advising me that my interest rate will go up if I consolidate, and inferring it is not in my best interest to do so. She is a customer specialist with Navient. Above is as of today in Navient portal- reflecting nearly {$400.00} MORE than the principle stated by Ms. XXXX on XX/XX/XXXX. When I asked why my balance was now higher- she indicated its interest owed. This is theft. I did not agree to any terms that would allow for this as I wait for the end of their investigation. I feel emotional distress at being lied to and deceived, during a time when I was managing grave family issues. There are laws preventing predatory lending- why is Navient allowed to continue deceive borrowers without enforcement of the law? | ||||||
| 12/06/2021 | Yes |
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| Dear Sir or Madam, XXXX. XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX and XX/XX/XXXX as well as XXXX late ate on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 11/18/2021 | Yes |
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| Dear Sir or Madam, 1. DPT ED/NAVI Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX as wells 120 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with DPT ED/NAVI and XXXX results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 12/06/2021 | Yes |
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| Dear Sir or Madam, 1. NAVI Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX as wells 120 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with NAVI and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 06/26/2018 | Yes |
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| We were told that back in XX/XX/XXXX Navient took back all student loans from XXXX XXXX, when this happened my husband received a calling asking him to re-certify his payment. I called them back, XX/XX/XXXX, after receiving a voicemail to from Navient, this is about 3 weeks after they initially called my husband, asking to call back XXXX XXXX regarding the account. When speaking with her she was telling me that the account was in default and that we needed to settle the account. She was very rude would not give me a straight answer saying I used inappropriate language, which I did not then she hung up on me. The next day, XX/XX/XXXX, she called my husband saying she would not talk to me so I better not call back because I used bad language and that I had been rude to them before, I had never spoke to them before XX/XX/XXXX, and because of this we now had to pay a deposit of {$2000.00} and pick a settlement option or they were going to send it to litigation. When my husband asked XXXX XXXX about the recovery program/ contract we were on she told him they are not honoring any contracts that were previously set up and that our account was in fact 200+ day in default. He told her we had been paying on this account for a while now she said all she can see is what in front of her. I then called our previous account manager at XXXX XXXX, XXXX, regarding this. XXXX told me all accounts under any program/ contract are supposed to be honored period, and that Navient should not be asking for any kind of deposit. XXXX gave me Navient direct number because she thought I may be talking to some kind of secondary agency. I called Navient back again and spoke with Manager XXXX XXXX told him what was going he then began to tell me about the whole settlement thing again, explained to him unfortunately this is not a feasible option due to my husband being out of work and that we just want to continue paying per our contract. He could not give me a straight answer why it shows we are 200+ days in default even though we were in a recovery program to fix it he said well we are not honoring any contracts or programs set up and would not explain past that why. He then asked to speak with my husband where he continued to pressure and push to settle. Then said what if I lower the deposit would that help my husband said maybe we just do not have the extra money. XXXX said let me see what I can do and you see if you can borrow the money from somewhere or someone. The next day, XX/XX/XXXX, I called XXXX XXXX again and spoke with XXXX explained to her what was said by the manager she was baffled as to why they were telling us all this. She then took all names and reached out to her superiors trying to help us figure it all out and told us to call back again around the same time tomorrow. On XX/XX/XXXX I called back both XXXX and Navient but was unable to reach the people I needed to speak to, I assumed due to the holiday weekend, I left a message for XXXX to call me back. On XX/XX/XXXX My husband received a call from a XXXX XXXX at Navient regarding the account she was very nice but gave him the same options but said that XXXX XXXX XXXX authorized to lower the deposit to {$1500.00} and we could split it up into 2 payments if needed. My husband said let me call you back. I then called XXXX at XXXX XXXX, she then explained to me per her superiors that have been in contact with Navient that they are honoring all programs and contracts period. They are not supposed to be asking for any kind of deposit and that the whole point of the program/ contract we were on was to remove the default and put us in good standing. I then called XXXX XXXX back explaining to her everything that was told me per XXXX XXXX she said give a little bit of time while I investigate and I will call you back. She never called back. My husband finally heard from Navient again, XX/XX/XXXX, XXXX XXXX was also very nice but told us the same thing about settling but this time she acknowledged that she did see we had been making payments some of them were a week or so late but we had been paying. I told her I have been waiting for XXXX XXXX to call me back does it say anything there about her looking into something she said no. I then explained to her all of it again she said she does really know why loans were pulled from XXXX just that they were and that as far as she knows Navient is not honoring any contracts made on their behalf by XXXX, or why our account is showing 200+ days in default even though we had been paying and were in the recovery program. She then continued to tell us that our deposit was lowered again to {$1000.00} but could not tell me why the deposit just that it was needed, but we were approved to continue paying once they received the deposit. I had to repeat this to her for clarification so to continue paying, not settle, we need to pay a deposit? Im sorry but that makes no since. She continued thats what the managers want because you are 200+ in default. I told her thats why we were in the program was to fix all of it and that we have been in this program for over 3 years she said yes but we are not honoring any of it, I dont know why be we are not. I told her I want this to come off rude but I need to do some research because none of what any of you are saying sounds right. I need to speak with some kind of lawyer or financial advisor. She said ok thats fine I understand call back when you can and if I dont hear from you I will call back again at the end of the month. I have been reaching out to credit lawyers and doing a ton of research and can find no help. They started calling again leaving my husband 2 messages on XX/XX/XXXX and XX/XX/XXXX stating he has 2 days to call them back before it goes any further. All Navient has done to this point was try to bully us into paying this deposit and settle. When we would not settle because we can not then threaten us with a lawsuit if we do not give them a deposit. | ||||||
| 09/29/2021 | Yes |
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| Dear Sir or Madam, 1. NAVIENT Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX and XX/XX/XXXX as well as 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 150 days late on XX/XX/XXXX. I immediately disputed this information with NAVIENT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 11/14/2021 | Yes |
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| Dear Sir or Madam, 1. XXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX as wells 120 days late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX also 150 days late on XX/XX/XXXX. I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 10/02/2021 | Yes |
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| Dear Sir or Madam, 1. DPT ED/NAVI Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX and 120 days late in XX/XX/XXXX and XX/XX/XXXX as well sa 150 days late in XX/XX/XXXX. I immediately disputed this information with DPT ED/NAVI and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | ||||||
| 10/15/2021 | Yes |
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| Dear Sir or Madam, 1. DPT ED/NAVI Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as 1500 days late in XX/XX/XXXX. I immediately disputed this information with DPT ED/NAVI and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 07/11/2022 | Yes |
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| Issue # 1 : Navient, has wrongfully included loans for an institution that I did not attend in my student loan debt. Issue # 2 : I was misled by Navient into over 15 years of forbearance and not provided any information on Income Based Repayment until XX/XX/XXXX. To provide context to the situation, Sallie Mae initially serviced my FFELP federal student loans. To my understanding, Sallie Mae 's contract with the US Department of Education was terminated and Navient assumed the responsibility of servicing its accounts. In XXXX, I spoke to the company about consolidating my loans to get them out of default status. Navient, of course, made it seem as if I could only use their services for loan consolidation and assured me that they operated with transparency and worked diligently with their clients to best understand their financial situations. To the contrary, Navient neglected to inform me that I could utilize another servicer that would provide me with a lower interest rate. During the process of consolidating my loans, I was given promissory notes to validate and sign. I was given a promissory note from the XXXX XXXX XXXX XXXX, but NEVER attended school at that institution. The Navient representative coerced me into signing the promissory note for the institution that I did not attend and assured me that the loan balance on that particular loan was XXXX. It was not until XX/XX/XXXX, upon scrutiny of my outstanding loan debt, that I realized the loans from the institution that I did not attend was included in my total loan balance with capitalized and accrued interest. I immediately requested a fraud packet be mailed to me to begin the process of removing the fraudulent loans from the institution that I never attended. I was told the fraud packet had to me placed in the mail and that the fraud packet could not be uploaded to my account or emailed to me. I have requested the fraud packet on numerous times, yet I have not received it. Each time I call to inquire about it, I am told that there are no notes in my file regarding the fraudulent loans and I am forced to begin the process from the beginning. In XXXX, during the COVID 19 pandemic, the federal government placed a moratorium on federal student loan payments and interest accrual. In the latter part of XXXX, I checked my credit report and noticed that Navient had reported me to the credit bureaus for late payments in XXXX, XXXX and XX/XX/XXXX and then later reported again in XXXX, XXXX, and XXXX of XXXX. I contacted Navient to resolve the issue and I was told that the moratorium on federal loan payments and interest only pertained to loans held directly by the federal government. Since my loans were initiated through Sallie Mae, a federal entity, and my loans are titled federal loans, that my loans would qualify for the federal moratorium on student loan payments. Upon speaking with Navient, I was told my loans were federally-privatized loans ... ... XXXX am still trying to understand that oxymoron. When speaking with Navient, I asked them general questions about my loan and commented on the increase in the balance-owed. I requested documentation about the loans that were consolidated and was told that they could not provide me that information. I relented on the issue out of pure exasperation. In XX/XX/XXXX, I received a letter from Navient explaining that their contract with the XXXX department of education was not renewed and the company would no longer be servicing federal student loans. The letter also indicated that my loans would be transferred to XXXX. Out of confusion, I contacted Navient, I spoke with a very curt representative who informed me that there were defaulted loans that Navient serviced in addition to my consolidated loans. I was unaware of Navient servicing any other defaulted loan, but he assured me that they did, but could not give me any information about them because all of the records were transferred to XXXX. In XXXX of XXXX, Navient was removed from my credit report, so the transfer, at that time, seemed legitimate. The same day, I contacted XXXX XXXX and was told that my name and social security number was in their system, however there were no loans in my file. I was completely baffled by this. It was as if they wanted the interest to continue to accrue. I reached out to Navient again for information regarding the mysterious defaulted loans and my consolidated loans. The representative was very helpful and explained to me Navient did not service any other loans, only my consolidated loans. The representative also informed me about income-based repayments. This is unacceptable. We also discussed amount of my consolidated loan and interest rate. I submitted an application for income based repayment over 2 months ago. I submitted all of the requested documentation, however my application is still pending. My student loan debt that was consolidated through Navient totaled {$29000.00} ( including the fraudulent debt ). As of XX/XX/XXXX, I owe {$76000.00}. That is also unacceptable. My debt is currently over 2 times the amount that was consolidated. This is predatory. I am flabbergasted that the US federal government is allowing their servicers or contractors to XXXX and pillage American citizens by profiteering of student loans. Due to Navient 's unethical business practices, I was not provided any option to forbearance. At numerous times since XXXX, my loans were in forbearance for over 2 years. I spoke with the US Department of Education about this issue. I have spent countless hours on phone trying to resolve this issue. I was told that I would have to contact my servicer with my issues. Why would my servicer, the entity that caused the issue, take any proactive role in fixing the issue? The XXXX Department of Education chose to contract out and work with a company that misled student loan debt holders and has caused me, and countless others, financial hardship. | ||||||
| 09/17/2017 | Yes |
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| In XX/XX/XXXX I defaulted on my student loan because of illness which caused me to take early XXXX retirement.Over the next two years and after many, many harassing phone calls I came to an agreement with a collection company called XXXX XXXX XXXX on behalf of XXXX XXXX to start a repayment plan.Although I was only receiving about {$700.00} a month in XXXX payments they tried to force me into paying {$300.00} per month but I would not relent because I would not have had enough left to pay my house payment, pay other bills and to live on.After a 30 minute conversation with the representative I offered to pay back {$120.00} per month and she very reluctantly agreed.Although there was never an agreement writing I had agreed to pay faithfully which I have done up until this month.My account number is " XXXX '' .There was no payment book.There are no monthly invoices that are sent to me and they do not got give any kind of updates unless you call and request one.I was told by the representative that if I ever missed one payment the agreement would be broken and that her agency would take legal steps to recover the full amount due.So in XX/XX/XXXX I started my payments by paying a one half payment of {$62.00} and in XX/XX/XXXX I stared paying full payments of $ XXXX have never missed a payment.At that time I was dending my payments to an address in Kansas.I do not have or recall that particular address.Sometime in XX/XX/XXXX I received a phone call from someone who said she represented a company called " XXXX XXXX '' and told me that my loan account was transferred to them and that I should start sending my payments to them.I was to send the payments to XXXX XXXX/ XXXX XXXX,XXXX XXXX XXXX XXXX in XXXX, Missouri.I continued to send payments.During all of these years I had never received any letters that showed that I was behind on my payments.Then in XX/XX/XXXX the payment I sent them was returned to me.On the outside of the envelope ther was a postal stamp tthat read, '' Addressee Unknown '' .I was bewildered and confused because I did not understand why the payment was returned.I called the telephone of the office which is ( XXXX ) and spoke to person about why my payment was returned.He told me that the office where I had been sending my payments had closed and that a company called " XXXX '' in Ohio had taken over my account.I was again shocked and bewildered because I had never received any kind of notification that my account had been transferred again.I called the XXXX office to make try and get some information about my account but the lady I spoke to said that she could not discuss my account with me because, '' you live in Arizona '' .She went on to say that she could answer any questions and she could not give me anymore information.When I got off the phone I really did not know what to do.After pondering this whole dilemma I got on the computer and looked up Integrity Solutions and found a site that referred me to a company called " Navient. " There was information there that said that Navient was the collection agency for XXXX XXXX so I returned the XX/XX/XXXX check and mailed it to the Navient address hoping that would resolve the issue of where I was suppose to send my payments.The check was cashed by Navient on XX/XX/XXXX.Then I sent in my XX/XX/XXXX payment to the same address..On Thursday, XX/XX/XXXX the check had been returned to me I the form of a government issued treasury check with a notation on the bottom stub that read, '' This Refund Is Being Sent Due To XXXX XXXX XXXX Send to XXXX XXXX XXXX XXXX PA XXXX, Effective date:XX/XX/XXXX '' .A telephone number on the check stub reads XXXX.I called that number and a representative said that I need to call an office named, Post Claims Assistance Department.That number is XXXX.On Friday afternoon around XXXX XXXX I called that number abd spoke to a supervisor named " XXXX '' .She said that she saw my account but her office awas nor handling my account and gave me another number to call but before we disconnected she gave me a lot of very confusing information about my account.Most of the information had to do with how my account had been sent in circles and that she had no ides had or why my account had been handled the way it has been. way it.One outstanding point she made while we were discussing my account was that my account showed that I was missing sevral payments.I was horrified because I know that I have never missed a payment.The most outstanding payments she told me about were the ones missing for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.I told her that did not make sense because I was told that if I ever missed a payment that XXXX XXXX or its ' representative would come after me.I told her that there was no way I could or would have missed payments so soon after the XX/XX/XXXX agreement.Anyway, she said she could not respond to that because she could only talk about what she saw on my account.She suggested that I do my own research by contacting the bank that the checks were presented to and to get copies of all the checks that were cashed by, XXXX XXXX , XXXX XXXX, XXXX and Navient..On this day I received a call from my son who 's name is on thre loan as a cosigner.He said that he is being harassed about the loans, I do not understand why they have not called me or sent me a letter or something about all of this.I would like for them to stop harassing my son whose name is XXXX XXXX, He lives at XXXX XXXX XXXX XXXX, XXXX, Arizona,XXXX.It seems to me that the collection agencies that XXXX XXXX uses to collect payments are trying to set me up for failure in order to come after my property.I really would like for someone to help me resolve this mess.I am XXXX XXXX XXXX and am in declining, documented health.My mental and physical health have been greatly effected by XXXX XXXX 's behavior and I ca n't take much more of this.Please help! 1.Sincerly, yXXXX XXXX. | ||||||
| 11/30/2021 | Yes |
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| XXXX. NAVIENT Account XXXX : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XXXX 2015 as well as 120 days late in XX/XX/XXXX2015. I immediately disputed this information with NAVIENT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX XXXX. SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 11/26/2021 | Yes |
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| Dear Sir or Madam, 1. XXXX Account NumberXXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. XXXX. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( XXXX XXXX ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( XXXX ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( XXXX ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have XXXX days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 10/06/2021 | Yes |
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| Dear Sir or Madam, 1. DPT ED/NAVI Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account in XX/XX/XXXX and XX/XX/XXXX I immediately disputed this information with DPT ED/NAVI and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 12/30/2021 | Yes |
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| Dear Sir or Madam, 1. NAVIENT Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with NAVIENT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244 | ||||||
| 10/17/2021 | Yes |
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| Dear Sir or Madam, 1. XXXX/NAVIENT Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 60 days late on this account in XX/XX/XXXX. I immediately disputed this information with XXXX/NAVIENT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 12/01/2021 | Yes |
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| Dear Sir or Madam, 1. XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 11/24/2021 | Yes |
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| 1. XXXX XXXX XXXX/NAVIENT Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account. I immediately disputed this information with XXXX XXXX XXXX/NAVIENT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX XXXX. SS # : XXXX Date of Birth : XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 11/18/2021 | Yes |
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| Dear Sir or Madam, 1. DPT EDXXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX. I immediately disputed this information with DPT EDXXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 03/27/2019 | Yes |
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| I currently owe {$98000.00} in private student loan debt with Navient from my XXXX school education. The interest rates on the loans vary of 8.5 - 14 %. I am unable to afford the minimum monthly payments on the loans and have therefore made continual efforts to reach out to Navient to arrange payment plans so that I never miss a payment. InXX/XX/XXXX, I started Navient 's Interest-Rate reduction which, at the time, reduced by interest rate to 1 % and lowered my payments based on my income. I have reapplied for the program every year since then and although the interest rates and payment amounts have increased, they have maintained my payments at a level that I am able to afford, and therefore I have been on time with my payments every month for five years, never missing a single payment. Each year, I have to call before the reduction plan expires to request a renewal and negotiate an affordable rate. In XX/XX/XXXX, the plan changed, requiring borrowers to call back every six months rather than every year, to request a renewal. The rate also increases now every six months. I called to renew my plan on XX/XX/XXXX, one month before my most recent plan was scheduled to end. I spoke with a representative named XXXX and provided my current income information, my budget, and the cause for my business 's recent financial hardship. As has happened many times in the past, I was offered a payment plan that was significantly higher than before, which I could not afford. I honestly informed XXXX that there was no way that I would be able to afford payments above {$700.00} each month. XXXX said that the system was only offering a 6 % interest rate and that he would need to seek a manager 's approval to honor my previous six month 's 5 % interest rate for a continued payment of {$640.00} per month. In the past, this process has always resulted in subsequent approval of the reduced interest rate plan. Automatic payments are set up from my checking account which is already linked to Navient. In prior calls, I have always been told that if everything is approved by the manager, that I won't hear back ( e.g., " no news is good news '' ). When I renewed my interest rate reduction plan last fall, it appeared a month later that the plan had not been set up. I hadn't heard anything back about the manager 's approval, but I was told not to expect a call. So I called Navient to find out why my account was showing as overdue online. The representative informed me that they were simply " backlogged '' and hadn't yet put everything into the system. For these reasons, there was no indication that my most recent renewal would be any different. I did my due diligence. I called a month before my plan ended to ensure I wouldn't be late on a payment. I provided all the necessary information. I took notes. I was told that a manger 's approval would be sought for my reduction rate and I trusted that I would hear back if there was a problem. I never heard back, so I believed that my plan would continue and my payments would be made as usual. Over the last two days, I missed several calls from a number I did not recognize. No messages were left for me. Because I run a military and veteran mental health center I am unable to receive phone calls during the day. However, today, I luckily was able to see my phone ring while I was walking to the bathroom, and I answered a call from Navient -- the caller who had been calling and hanging up without leaving a message for the last two days. A representative told me that I owed over {$800.00}. I stopped what I was doing and went over my notes with her detailing my XX/XX/XXXX phone call with the Navient representative, XXXX, who had said that he was going to seek a manger 's approval for my continued 5 % interest rate. She said that my account had not been entered into the interest-rate reduction program and that it was now overdue. I asked if we could put it back in the interest rate reduction program and she said that was not an option because it had gone overdue since the auto-pay was dropped when it left the program. I asked to speak to a supervisor. The supervisor told me that she could not offer me any repayment options. I told her that this seemed unfair because I had done everything in my control to keep my account current and that I never received a call to inform me that a manger 's approval was not obtained for my plan. She said that she would send an email to the managers of the representative XXXX with whom I spoke on XX/XX/XXXX and that they would review the recording of the call " when they could. '' I was given no indication of whether the managers would reinstate my eligibility for the interest rate reduction plan. For the last five years since I have been in the interest-rate reduction program, I have managed my Navient account responsibly. I have made every payment on time, and I have always called Navient before the interest rate plan has lapsed to request reinstatement. Now, Navient has failed to follow through as promised and made no indication to me after my XX/XX/XXXX phone call that my account was not approved for enrollment in the interest-rate reduction program. Furthermore, THERE ARE NO NOTES ON THE ACCOUNT TO INDICATE THAT IT WAS REVIEWED BY A MANAGER FOR APPROVAL. Navient 's failure to appropriately follow-through on my program application led to my account going into an unpaid and overdue status without my knowledge, thereby disqualifying me from participation in the interest-rate reduction program altogether. This negligence has now additionally harmed my credit and puts me in a position of even greater financial hardship. I am seeking Navient 's reinstatement of my eligibility for the interest-rate reduction program and removal of the overdue status on my account. Thank you for your fair consideration of this request. | ||||||
| 11/22/2021 | Yes |
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| Dear Sir or Madam, XXXX. XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 12/19/2018 | Yes |
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| I contacted Navient on XX/XX/XXXX and XX/XX/XXXX requesting to have late payments removed from my credit report due to the fact that a retroactive deferment was granted for the student loans in question. I was told by Navient that such reports could not be removed due to regulations of the Fair Credit Reporting Act ( FCRA ). Contrary to these assertions, by failing to update previously reported information, Navient is in violation of Sections 623 ( a ) ( 1 ) and 623 ( a ) ( 2 ) of the FCRA as well as Sections 463 ( c ) ( 4 ) ( A ) and 464 ( h ) ( 1 ) ( A ) of the Higher Education Act ( HEA ). The FTC released an advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCR A addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as the credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. Section 463 ( c ) ( 4 ) ( A ) of the Higher Education Act similarly states that an institution shall disclose promptly to such consumer reporting agency any changes to the information previously disclosed. The US Department of Education issued an opinion that stated a retroactive forbearance/deferment acknowledges a period where no payments were due. If no payments were due, then a payment could not be considered late. A payment that was initially reported as being late would need to be changed after the retroactive forbearance/deferment takes effect. This change would legally need to be reported per the above statute and as per Section 464 ( h ) ( 1 ) ( A ) of the HEA, which states the institution that made that loan ( or the Secretary, in the case of a loan held by the Secretary ) shall request that any consumer reporting agency to which the default was reported remove the default from the borrowers credit history. Navient representatives told me on XX/XX/XXXX that because the delinquent payments were accurately reported from XX/XX/XXXX to XX/XX/XXXX, any subsequently initiated deferments would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in deferment. However, this assertion is error as Section 623 ( a ) ( 2 ) of the FCRA and Sections 463 ( c ) ( 4 ) ( A ) and 464 ( h ) ( 1 ) ( A ) of the HEA clearly show that the reports must be updated/corrected regardless of whether they were accurate at one point as they are no longer accurate at this present time due to the retroactive deferment. Continuing to report this clearly inaccurate information is in violation of Section 623 ( a ) ( 1 ) of the FCRA which states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate and a person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. The retroactive deferment granted in XX/XX/XXXX nullified any payments that were due and/or missed beginning in XX/XX/XXXX. Since the payments due were nullified ( i.e., no longer due ), there is no possible way that a payment could be considered late at this present time. Reporting that a payment was late when none was due is simply false and inaccurate. A reasonable person would doubt that a payment would still be considered late after a deferment was issued and a reasonable person would also expect that if a deferment was made to be retroactive, any penalties ( including late fees and late payment statuses ) incurred after the effective date would be nullified. All of my Navient accounts that were late as of XX/XX/XXXX show that my deferment status was effective as of XX/XX/XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with Navient, both as they actually existed and as Navient has recorded them. I am thus requesting that in compliance with Sections 623 ( a ) ( 1 ) and 623 ( a ) ( 2 ) of the FCRA and Sections 463 ( c ) ( 4 ) ( A ) and 464 ( h ) ( 1 ) ( A ) of the HEA, that Navient be forced to update/correct the four accounts showing late payments from XX/XX/XXXX to XX/XX/XXXX. Internal Navient rules and policies can not contradict, counteract, or circumvent the law. Continued inclusion of the erroneous late payment information places Navient in willful violation of FCRA and HEA. To date, Navient has refused to make the corrections to my credit report, despite being provided the information mentioned in this complain and being given ample opportunity. The law is clear as is Navient 's willful disregard for complying with it. At this time, I need help to ensure that this matter is resolved according to the law. | ||||||
| 11/02/2021 | Yes |
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| 1. XXXX XXXX Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 60 days late on this account in XX/XX/XXXX. I immediately disputed this information with XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 10/31/2018 | Yes |
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| XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dear Sir/ Madame My name is XXXX XXXX , I am writing in regards to Navient/ XXXX XXXX XXXX from whom Ive been trying to obtain the original signed promissory notes/ loan documents for student loans I supposedly signed for. After finishing my studies in XX/XX/XXXX from XXXX XXXX in Florida, I contacted Sallie Mae to consolidate my student loans and my loans were consolidated. After graduation, I worked for a time and I became unemployed. I reached out to XXXX XXXX to apply for hardship deferment, but I never received a response from XXXX XXXX in regards to my requests. After several attempts, I received a phone call from a company who identified themselves as Navient/ XXXX XXXX XXXX . They stated, they were the owner of my student loan and all payments going forward will go to them. I requested for them to provide the original signed promissory notes /loan documents to verify they were in fact the company that service said loan. From XX/XX/XXXX until present day Navient/ XX/XX/XXXX has not provide any such documents. I have contacted Navient/ XX/XX/XXXX several times in regards to my student loan, so that I will have an option to have the loan with an estimated balance of {$15000.00}, place in deferment due to inconsistent employment ; however, I was told the loan will be place in Forbearance instead of Deferment. I provided Navient/ XXXX XXXX XXXX documents stating that I was unemployed and was receiving government assistance, so I should be automatically qualified for Deferment ; instead I was told I was not eligible and the loan will be sent to Default. I have made several follow up calls indicating I was still unemployed, and sent Certified Letters to Navient/ XXXX XXXX XXXX requesting to have the loan place in deferment and provide the original signed promissory notes/ loan documents, but I never received any response to my requests instead I received several e-mails and letters demanding payments. Upon review of my credit reports, I was stunned to find out not only do I have several loans totaling {$83000.00} along with my original consolidated student loan of {$15000.00}. In addition, I filed my XX/XX/XXXX taxes and did not receive a return. I contacted the Internal Revenue Service inquiring about my return ; I was told the money was taken by the US Department of Treasury via a request of the Department of Education/ Default Offset Unit. I never received a letter from Navient/XXXX XXXX XXXX stating that I was in default on my student loan. I called the XXXX XXXX XXXX/Default Offset Unit in reference to the tax off set. I was informed that they sent a letter to XXXX, VA stating that my money will not be granted due to my defaulted loans. When I asked which address the mail was sent to, they were unable to provide that information. I am currently homeless and dont have a place to stay. Upon further inquiry on how to get the money back, I was told unless I am in Foreclosure or Evicted from my apartment that the funds will not be reimbursed to me. I asked the representatives, which I have their first name and Id numbers, if I can speak to a Supervisor or someone in management in order to have the funds return until I can resolve the issues of obtaining the original signed promissory notes/ loan documents stating that I was in truth the holder of {$83000.00} in student loans, which I believe is fraudulent and are not my student loans. Ive tried on several occasions to reach upper management at Navient and XXXX XXXX XXXX but I was unsuccessful. I was told by call representatives at XXXX XXXX XXXX that upper managements do not pick up calls nor answer questions. I am requesting your assistance to resolve this matter in regards to said loans to obtain the original signed promissory notes/ loan documents, as well as removing all those fraudulent loan accounts from my credit reports. I would like to have Navient and XXXX XXXX/ Offset Default Unit to dismiss my alleged loans, if they can not provide me the original signed promissory notes/ loan documents. It is severally affecting my ability to find work or complete a security clearance due to these loans that are under my name and credit reports. I will like to request the return of my XX/XX/XXXX tax refunds that was off set from The US Treasury Department to the XXXX XXXX XXXX, so I can begin the process of getting back on my feet. I am in the process of filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Navient and XXXX XXXX XXXX. The individuals I spoke with at the XXXX XXXX XXXX as listed below by First name and ID number. XXXX Id # XXXX XXXX Id # XXXX XXXX Id # XXXX XXXX Id # XXXX XXXX XXXX Id # XXXX XXXX XXXX UPPER MANAGEMENT Sincerely, XXXX XXXX Service List XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX Attention : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX NAVIENT XXXX XXXX XXXX XXXX, PA XXXX CONSUMER FINANCIAL PROTECTION BUREAU PO BOX XXXX XXXX, IA XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX G XXXX XXXX. XXXX, D.C. XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX. XXXX, D.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VIRGINIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX, D.C. XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, D.C. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX | ||||||
| 08/09/2021 | Yes |
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| An Affidavit of Truth was sent to Navient on XX/XX/XXXX which they received on XX/XX/XXXX. Navient had 30 days to respond which they did not respond within this timeframe with a validation of debt where I received a notarized letter which showed where Navient loaned me any money. According to the Navient website, private student loans are made by banks, credit unions, or finance companies, typically to students who need to borrow more than the federal loan limits allow. Navient operates under Truth and Lending laws, and because banks do not loan money, banks only borrow money pursuant to 12 USC 1431 ( a ). I demanded receipt of the debt validation and Navient sent me fraudulent documents. Pursuant to 15 USC 1692b ( 2 ) which states any debt collector ( Navient ) communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall - not state that such consumer owes any debt. No other documents will be accepted as a validation of debt other than the above mentioned. Navient claims that the disbursement date was on XX/XX/XXXX and there is an alleged unpaid debt in the amount of {$5700.00}. Again, I am not obligated to pay this debt pursuant to 15 USC 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shallnot state that such consumer owes any debt ; and I am the consumer and natural person pursuant to 15 USC 1692a ( 3 ) the term consumer means any natural person obligated or allegedly obligated to pay any debt. Also, pursuant to 12 USC 411 states Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal Reserve bank. Navient requiring me to pay this alleged debt is also the company asking me to commit an unlawful act by paying with Federal Reserve notes. The Federal Reserve notes Navient is demanding that I use to pay this alleged debt have not been redeemed in lawful money on demand at the Treasury Department of the United States in Washington DC or at any Federal Reserve bank. This alleged debt has already been paid, pursuant to 12 USC 412 ; Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 92, 342 to 348, 349 to 352, 361, 372, or 373 of this title, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of sections 348a and 353 to 359 of this title, or bankers acceptances purchased under the provisions of said sections 348a and 353 to 359 of this title, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under sections 348a and 353 to 359 of this title or any other asset of a Federal Reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks. Under UCC Subsection 9-102 " Collateral '' means the property subject to a security interest or agricultural lien. The term includes : ( a ) proceeds to which a security interest attaches ; ( b ) accounts, chattel paper, payment intangibles, and promissory notes that have been sold ; In other words, " collateral security '' as mentioned in this law is my signature which confirms that this debt was already paid at the time Navient released the student loans. This alleged debt has already been satisfied and no other unlawful Federal Reserve notes are due from me going forward. I also do not owe this alleged debt pursuant to 18 USC 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. The alleged debt was never my obligation but always the obligation of the United States. | ||||||
| 05/14/2019 | Yes |
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| Dear Consumer Financial I was advised to write to your establishment in regards to my experience with my student loan company Navient. I recently read a news article concerning the unfair business practices Navient has been providing to there customers. I am one of the customers that has been effected by this. When I attended XXXX XXXX my loan company was Sally Mae after graduating I was not placed in a job or provided assistance with job search or job placement as advertized and promised to me by XXXX XXXX. Shortly after I graduated the company that I was working for ( XXXX ) closed down leaving me Unemployed. I called Sally Mae and they placed my loans in Hardship. I have Continuously applied to jobs related to my degree but due to the lack of creditability of XXXX most work agencies do not recognize my degree as credible Sally Mae advised me to keep my loan on a hardship. A few years later my loan was transferred to Navient. I was advised by Navient to defer my loans. When I graduated I owed XXXX XXXX dollars, due to all of the interest on my loan I now owe XXXX XXXX. When I spoke to Navient last year they told me that after deferring my loans for 25 years it will be r. I informed Navient that I have been deferring my loans since XXXX so I have 13 years to deffer my loans. Navient informed me that they had my loans in a status that did not qualify for the 25 year program. I ask Naviant why I was never provided that information before when I called and asked what my options were. The Navient agent informed me that she did not know why. I asked if there is anything or anyone I can speak to about this. The Navient agent said their is nothing that can be done. Due to the choices Navient made for y loans and Navient Neglecting to notify my of my options it placed my in a bad situation. I also called Navient regarding loan forgiveness when XXXX was first closed down due to false advertizement of school programs for job placement and credits being able to transfer to other Universities. I informed Navient that I fall under these circumstances and would like to apply for the loan forgiveness program. Navient informed me that they had not heard anything about this ad advised me to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX who directed me back to Navient. Navient told me that my student loan did not qualify for the student loan program because I graduated and there was nothing that could be done but to keep deferring my student loans. I explained to Navient that I graduated in XX/XX/XXXX and was not provided the job placement assist services that XXXX promised with the my enrollment. The job fair that they invite me to had fast food places such as XXXX 's and another collage ( University of XXXX ) and call center and a representative to enroll into the XXXX. The credits do not transfer over as promised and I qualify for the loan forgiveness program. I called Navient several times requesting information regarding the loan forgiveness program and was never provided information. Over the course of several years I contacted XXXX XXXX searching for help and finally spoke to an agent who provided me with information on how to apply for the student loan forgiveness program. I finally was able to fill out an application on XX/XX/XXXX. If I was provided information on how to apply and not continuously told that I do not qualify I could have had my application in years ago when I first call and asked about this process. I graduated at XXXX years of age with XXXX child. I am now XXXX years old with XXXX children and I am unable to qualify for an auto loan a home mortgage or a personal loan over XXXX XXXX dollars, due to this student loan on my credit for so long accruing interest. I don't even qualify for a nice apartment to live and raise my children. I have to live in locations of the city that do not do credit checks which places my children and myself in the worst parts of the city. To purchase a vehicle to get to work and take my children to school I have to borrow money from my parents. My car is currently on its last leg and my parents are no longer in a position to lend me money to get a car. I called Navient and told them of my situation and asked them if there is anything that I can do about my credit so that I can qualify for every day life necessities such as a vehicle and a place to live. Navient once again told me there is nothing that can be done. They informed me that my application for Defense to repay should be reviewed in the next 10 years and we can go from there. I informed them that I will be XXXX years old by then and my loan will be around 100 thousand dollars. I spoke to a Consumer Finacial protection agent today who advised me to fill out this complaint. Please help me or point me in the right direction to get assistance. I graduated when I was XXXX years old, I am now XXXX years old and I have been dealing with this issue for 12 years. While I was young and dedicated to finishing school to make a better life for my family and myself, I was mis-lead and mis-informed by XXXX XXXX and Navient this resulted in not only me suffering through life for the past 12 years but my children are also effected by these cruel actions taken but XXXX and Navient. Since graduating collage and dealing with this issue it has made my life a nightmare. Normal thing that people do to raise a family such as purchasing a home or an automobile is not even a possibility for me in my life time because of these companies that took advantage of me at a young age I will pay for this for this until I die. Navent said that my application will take 10 years to be reviewed or 21 years until the interest is taken off. I will be XXXX years old or XXXX years old by that time. Please assist with anything that can be done. Thank you for your time. | ||||||
| 12/06/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACTXXXX CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. NAVIENT XXXX XXXX. {$12000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 10/04/2021 | Yes |
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| Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. NAVIENT bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 03/02/2023 | Yes |
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| Over the past few years, I have made several requests for accurate account information directly from Sallie Mae/Navient and submitted numerous disputes with the different credit reporting agencies. On XX/XX/XXXX, I requested a copy of my entire Tuition Answer loan files. On XX/XX/XXXX, I received a canned response that " copies of your loan agreements will be delivered to your address of record via U.S. Mail. '' On XX/XX/XXXX, I received a letter that only enclosed copies of the loan applications and promissory notes. I followed up with another request for the payment history and charges on my private Tuition Answer loans from XXXX. I made several disputes with the credit bureaus in the past and have received form responses that the disputed items were verified. However, I was never provided the information that Sallie Mae/Navient provided to " verify '' those disputes with the CRAs. On XX/XX/XXXX, I renewed my request for the entire loan files. To avoid any confusion, I requested to see all assignment ( s ), notice ( s ), servicing agreements, servicer transfer letters, notes regarding any modifications of the loan terms, and full payment history from XXXX to the present. None of that information was ever provided. On XX/XX/XXXX, I received the following email response : " XXXX, " Thank you for your inquiry and for your business with Navient. Please be aware that a transfer of services is unable to be provided as no transfer was taken. In XX/XX/XXXX, Sallie Mae split into two separate companies, Sallie Mae and Navient. When this split occurred, your loans did not move, just the name of the servicer changed, the payment address and all terms and conditions of the loans remained the same. A letter was sent to you as well as notification was provided on your monthly billing statements as well as your online account of company split. " Your loans were in In-School Deferment for Voluntary Forbearance from XX/XX/XXXX to XX/XX/XXXX then again from XX/XX/XXXX to XX/XX/XXXX. Payments were not required or made during this time which is why there is a gap in payments for these months. The declining balance history provided to you is an accurate record of all balances and payments made to your loans since origination, either addressed to Sallie Mae or Navient. We do not indicate a payment made in XXXX of XXXX. This could be an inaccurate report on your consumer report. " Your loan ending in XXXX was disbursed for XXXX on XX/XX/XXXX. There were several cannibalizations of the interest on your loan from the disbursement date to XX/XX/XXXX. From disbursement until XX/XX/XXXX, no payments were made on your loans. Because no payments were made, the principal balance would not have decreased from origination as interest accrues daily on the unpaid principal balance from the date of disbursement until the loans are paid in full. Unpaid interest after a period of postponement is capitalized if it is not satisfied. The balance of {$37000.00} as of XX/XX/XXXX is accurate and is as close of a transaction on your account we can provide to the balance as of XX/XX/XXXX. " The balance on your loan ending in XXXX was {$29000.00} as of XX/XX/XXXX. The balance on the loan as of XX/XX/XXXX was {$34000.00}. '' I received and reviewed the " Declining Balance Histories '' for my Tuition Answer Loans and noted discrepancies between the amounts Navient showed versus the amounts Sallie Mae previously reported prior to Navient 's alleged acquisition of the loans. First, both loans have a gap from XX/XX/XXXX through XX/XX/XXXX for which there is no history whatsoever. On Loan XXXX, Sallie Mae last reported to the credit reporting agencies that a payment was made on XX/XX/XXXX ( which is not reflected on their " declining balance history '' ) and that the account balance was {$12000.00} as of XX/XX/XXXX. However, where the new servicer 's ( Navient 's ) account history picks up on XX/XX/XXXX, they show a balance of {$42000.00} - almost 3.5 times greater than what Sallie Mae reported, in less than 2 years ' time. Likewise, with Loan XXXX, Sallie Mae last reported to the credit reporting agencies that a payment was made on XX/XX/XXXX ( which, again, is not reflected on their " declining balance history '' ) and that the account balance was {$9000.00} as of XX/XX/XXXX. However, where the new servicer 's ( Navient 's ) account history picks up on XX/XX/XXXX, they show a balance of {$34000.00} - almost 3.75 times greater than what Sallie Mae reported, in less than 2 years ' time. Navient 's starting balances should properly reflect the last balances reported by Sallie Mae. The fact that Navient asserts that the Sallie Mae-Navient transition was simply a " name change '' makes the account discrepancies all the more troubling. Also, the fact that Navient admitted that its XX/XX/XXXX reporting to the CRAs was " an inaccurate report on your consumer report '' is disheartening when I kept getting responses to my disputes that the information furnished by Navient/SallieMae was " verified ''. I have repeatedly requested explanations of these discrepancies, to no avail. I have been making program payments for several years yet it seems my loan balances barely decreased. If Navient can not produce the backup documentation to support its claims for these loan balances, it should not be permitted to collect them. At this juncture, the Consumer Financial Protection Bureau appears to be my last resort to finally obtain a clear, complete, and accurate compilation of the loan transfer/servicer transfer documents for these private loans. I would also like to see the original loan payment histories from Sallie Mae at the time of the company 's split in XX/XX/XXXX. Thank you, XXXX XXXX | ||||||
| 01/30/2022 | Yes |
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| I received five Signature Student Loan disbursements from XXXX XXXX from XXXX to XXXX totaling to {$67000.00} : Loan XXXX disbursed for {$3900.00} with 12.875 % interest Loan XXXX disbursed for {$8000.00} with 12.875 % interest XXXX disbursed for {$15000.00} with 8.625 % interest Loan XXXX disbursed for {$20000.00} with 3.75 % interest Loan XXXX disbursed for {$20000.00} with 15.125 % interest I graduated XXXX in XX/XX/XXXX and started making payments in XX/XX/XXXX. Over the life of the five loans, XXXX XXXX sold this debt to Navient, and I have made a concerted effort to satisfy this debt by making 326 payments totaling to {$39000.00}, however, due to capitalized interest, these loans have increased by 222 % and now has an outstanding balance of XXXX. After speaking to countless XXXX XXXXNavient customer service representatives, supervisors, and managers to understand why the principal amount has increased by 222 %, I recently learned that over the past 9 years, every time I contacted XXXXXXXX XXXX/Navient XXXX XXXX XXXXNavient contacted me to discuss an affordable payment plan due to financial hardship, attending graduate school, relocating across the country, and job loss, I was steered to sign up for forbearances disguised as reduced interest rate repayment plans. As a result, the interest accrued was capitalized to my principal loan balance and increased my expected payoff date by over 30 years. Now I have found myself in an impossible predicament and life-long financial hardship due to unfair, deceptive, and abusive student loan servicing practices. Due to forbearances, I have paid {$22000.00} towards interest only, which prevented me from paying down the principles of the loans and forced me into a never-ending cycle of interest payments. I have attached seven excel spreadsheets that will provide insight into this situation. The spreadsheet titled All Loans contains a summary of activities on all loans to-date, which derived from Navients website. The spreadsheets called XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX contain a summary of activities for each individual loan, also from Navients website. Finally, the spreadsheet titled Loan Summaries & Est. Pay Off contains the following calculations : A. Hypothetical breakdown of each loan no forbearance B. Current breakdown of each loan with forbearance C. Hypothetical breakdown of estimated interest & principal pay off in years no forbearance D. Current breakdown of estimated interest & principal pay off in years with forbearance E. Proposed resolution I am currently paying Navient {$1400.00} per month which is 55 % of my net monthly income. According to column F in Calculation D., after I satisfy the monthly accrued interest of {$1100.00}, the difference of {$310.00} is then allocated towards the outstanding amount of interest today of {$22000.00}. It would take me an average of six years to pay the outstanding interest, which is required before I can pay down the principal. So, on average, I would not be able to make principal payments towards any loan until XXXX. Furthermore, due to a 222 % increase on the principal balance from forbearances, only 21.47 % of my monthly payment would be applied to the outstanding principal today of {$120000.00}. This means it would take me an average of the next 42 years to pay off all these loans. In 42 years, I will be XXXX XXXX XXXX and would have made student loan payments for most of my life. According to column F in Calculation A., if no forbearance was applied during the life of the loans, in nine years time ( 108 months ), the total outstanding interest of all loans would have been {$59000.00}. When you apply the current interest-paid-to-date to the non-forbearance outstanding interest-to-date, you have an outstanding interest of {$26000.00} ( see column B in Calculation XXXX ). The total monthly interest on {$26000.00} is {$550.00}, so if you apply the same monthly payment of {$1400.00}, the amount after the monthly interest is satisfied is {$920.00}. If I was not steered into forbearance by XXXX XXXX and Navient Representatives, it would take me an average of the next 2.44 years to pay off the outstanding interest, and an average of 8 additional years to pay off the outstanding principal of {$61000.00}. In 10 years, I will be XXXX XXXX XXXX and would have paid loans for almost half of my life. Had XXXX XXXX and Navient not used fear tactics and predatory lending practices to steer me into accepting forbearances, I would not be trapped in a cycle of debt, preventing wealth-building opportunities for the next 42 years. I have tried to fix this problem with Navient, however, Navient has continued to steer me in the direction of forbearance. Most recently, when I contacted Navient on Tuesday, XX/XX/XXXX to postpone my future payments to pay for my car repairs and so I can save up for future emergencies, the representative threatened to take me to court if I do not make a payment. I received another call on XX/XX/XXXX, by XXXX, the Navient representative on my account, stating that if I wanted to help my situation, I could bring my loans current with the Three Pay Program or a reduced interest rate payment plan. Of course, she did not disclose the consequence of capitalized interest until I asked. Over the years, I trusted XXXX XXXX and Navient to provide me with financial guidance to help me develop a repayment plan that would not stifle my financial goals, so I can build wealth building opportunities for my family. However, I was steered into forbearances without receiving all of the information and details surrounding capitalized interest. As a result, it would take 42 years to satisfy this debt. | ||||||
| 03/31/2020 | Yes |
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| I have a XXXX XXXX ( XXXX, and two XXXX degrees ( XXXX, XXXX ). Overall, Navient has been incredibly difficult to work with, despite making it clear to numerous account managers that I want to repay my loans but they are too high and unmanageable. I was not given a clear description of the promissory note many years ago. My mother cosigned two loans and my father cosigned one for my undergraduate and graduate degrees. Navient informed me several years ago they could be released as co-signers yet when I pursued that option it suddenly was not a possibility. My father has taken a second mortgage on he and my mother 's home to settle with Navient after I received an email in late XX/XX/XXXX that it was an option. This is how our current journey began and there is still no resolution now. We want resolution and to settle my student loans. I am tired of receiving 15+ calls per day about payments yet unable to get one single person 's assistance lowering my payments. The Rate Reduction programs were helpful until Navient refused to hear me as a person. I can not pay $ 1,800+ per month, but I do wish to repay my debt. Please help if possible. We are at the point where Navient is refusing to answer us regarding settlement. They told my father it would be {$79000.00} approximately and then informed him it was {$64000.00}, which is the number we are able to offer at this time. Below are my father 's notes of calls to Navient. 1. First number I called was XXXX ... Discussed settlement with XXXX. I asked about the 70 % ( from online research of settlements with Navient ) and she said they start negotiating at 95 % owed. So, the balance was {$110000.00} and 95 % of that would be {$100000.00}. I said so why bother settling at that rate. She gave me a number to get to her branch - XXXX. 2. The next time I called I spoke w/ XXXX XXXX XXXX He only gave me a figure for {$64000.00}. I mentioned I'd only be able to get {$75000.00} for 2nd mortgage, if possible. 3. XX/XX/XXXX - I spoke w/ XXXX XXXX XXXX He was ONLY interested on me making a payment of {$320.00} by the end of XXXX, not discussing the settlement. We went back and forth concerning the {$320.00}, I told him I was only interested talking about settlement for the student loans and he was worried about making the payment. His Id- # XXXX and number XXXX. 4. XX/XX/XXXX - I spoke w/ XXXX XXXX again. He informed me the 70 % settlement offer was for ONLY the 2 loans which were most delinquent. The email XXXX ( my daughter ) received did not state this, it included all loans regardless of status. I said the original email did NOT speak of only 2 loans. This is where I told him that I needed an answer of accepting the {$75000.00} for the loans by end of the day Wednesday ( XX/XX/XXXX ) otherwise I would rescind my offer. XXXX then stated, " I thought you wanted to help your daughter. '' To suggest I am not trying to help her be free from Navient is a disgusting suggestion, especially when I was asking for resolution. 5. XX/XX/XXXX - I recorded this conversation because I was hoping Navient finally decided on the settlement offer. I told him about the original email sent to XXXX did NOT specify a specific number of loans, nor did anyone state this change. He said, " I'm looking at the original email now '' and I was put on hold for over 10 minutes. XXXX gets back on the phone apologizing that he WASN'T aware of the original email. The balance would be {$110000.00} of the 5 loans and 70 % of that would be {$79000.00}. XXXX said he'd make sure the person that denied the settlement honor the original email around 70 %. I told him that I can maybe only get {$75000.00} on the second mortgage. XXXX said he'd call me on Monday with a definite answer no later than XX/XX/XXXX. 6. XX/XX/XXXX - I spoke XXXX XXXX XXXX ( XXXX ), a supervisor in that department. XXXX XXXX wasn't working and she would send him an email to call me tomorrow ( XX/XX/XXXX ). XXXX said me that the settlement was offered at {$64000.00} w/ XXXX , which I stated I accept and would like information how to proceed with completing the transaction. She then put me on hold for several minutes. XXXX then confirmed the original settlement offer was {$64000.00} however " XXXX is handling it. '' XXXX stated she would have XXXX call me on XX/XX/XXXX. 7. XX/XX/XXXX Call # 1 - I called asking for XXXX XXXX. The woman ( did not state her name ) insisted on having my daughter 's social security number in order to document that I even called. I gave her the SSN, she then HUNG UP on me. Call # 2 - I called back, a different woman ( employee # XXXX ) was very nice saying, however stated " I don't want to get into the middle of what's going on '' and that she'd have XXXX or XXXX call me tomorrow ( XX/XX/XXXX ). 8. XX/XX/XXXX - I called again wanting to speak to a supervisor who could give a definite answer on the {$64000.00} settlement offer Navient proposed and I am willing to accept. XXXX XXXX informed me I could not speak on all the loans b/c I was only on the one. I informed her that her and I had a conversation on XX/XX/XXXX where she freely discussed all the loans, where she also stated she was going to have XXXX call me the next day ( XX/XX/XXXX ). But, he never did. I wanted to talk w/ someone who would NOT give me a run around. After being on hold for a very LONG time, a XXXX XXXX XXXX direct line XXXX ... I told him to have the VP call me. He ( XXXX ) was going to review XXXX and have XXXX call me. As of today, XX/XX/XXXX, Navient has not accepted or answered our settlement offer of {$64000.00}. I can be contacted via phone or email. Thank you for your time. Stay safe. Sincerely, XXXX | ||||||
| 05/12/2017 | Yes |
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| I filed a complaint once before in early XXXX XXXX regarding Navient and my calling to make a financial statement in an effort to reduce my monthly payment, where I was, among other things told I was lying about information. Though this is not a continuation of that complaint, it is stemming from the Navient and a complete lack of good customer service when I 'm willing to pay something towards my loan. I was finally able to file a financial statement with Navient i n XX/XX/XXXX of this year. My loan co-signer also reported his finances to them. I explained to Navient 's representative that I had just filed to re-certify my Income Based Repayment ( IBR ) plan with my Federal loans ( Serviced through XXXX XXXX ). I was still waiting to hear back from them about what my new payment amount would be, given it had previously been {$0.00} because I was making so little money at my previous job. The representative told me to call back, as soon as XX/XX/XXXX , once I kne w what my payment amount would be and add that to my financial statement. I also arranged a payment of approximately {$140.00} that day, as I was told that would prevent the delinquent payments from reflecting on my or my co-signer 's credit score . However, it was in fact reported to the credit bureau on my co-signer 's credit report. There was a delay on XXXX getting back to me on a payment amount, but several days ago I received a letter saying my new payment would be approximately {$390.00} per month, with the first payment due on XX/XX/XXXX . O nce I received that notification, I immediately called Navient to add this to my financial statement. Upon calling on Tuesda y, XX/XX/XXXX , I spoke with a ge ntleman who immediately said I owed a balance of $ 400+ on my account and asked how I would be taking care of that today. I explained that I was calling to add something to my financial statement, told him of my most previous interaction with the young lady in mid- XXXX , and that I had my payment amount from the federal loans now. He, again, asked me for payment, even though I said the entire reason for my call is because I was struggling to make payments and have been asking for a lower payment amount for months. The representative then asked what my new payment amount would be on my federal loans and I told him the exact amount. He then told me that even with that, their calculation shows that I still have a disposable income of {$300.00} a month and would therefore be able to afford the {$220.00} payment t o Navient every month. I laughed and said that I still ca n't afford it and I do n't really know what else to do. I continued to explain that I ca n't even afford to rent a room somewhere and that I keep asking for a lower payment because I am willing to pay on my account, but I, nor my cosigner, can afford the $ XXXX {$210.00} per month payment that they want. My father is my co-signer, who does n't make much more money than myself, and my mother ( h is wife ) has been on XXXX for the past several years and is unable to work. The representative then continued to verbally go through my last financial statement. I asserted everything was correct, except I asked him if the credit card amount he reported was my monthly payments or my total debt. He said the amount he stated was monthly payments, but remarked that was a " little high '' for a payment amount, considering my total amount of credit card debt. I explained, as I had to the last representative, that I also pay my parents {$400.00} per month for a credit card that is in their name that I used for a period of unemployment. All charges to that card are charges that I made. Unlike the last representative, this gentleman took issue with this and immediately started asking for me to submit some type of proof that I pay that. I, again, explained that I transfer them {$400.00} from my bank account every month and then {$400.00} is used towards this credit card. I told him that the last rep did not take issue with this and no questions were asked, yet he continued to scoff at this. He said, again, there is nothing they could do to lower my payment amount and that I need to have my co-signer call yet again to make yet another financial statement -- at which point I said " thank you, have a nice day, goodbye '' and hung up. I have several friends who have lowered their payments on private loans with Navient. These folks have a significantly higher income than I do. They have had no problem having their payment lower ed. O ne frie nd even remarked they " just clicked a button '' on Navient 's website and it was done. I am willing to do anything and everything to lower my payment amount, and have relayed this information to Navient. I am struggling. My parents are struggling. I am not even able to rent a room from someone and am living in the " den '' of my parents ' XXXX square foot home -- yet, according to Navient, I am able to afford {$220.00} to them every month. This payment was only {$100.00} till the end of last year, which I had only just started being able to afford -- I was immensely underemployed making only about {$18000.00} or less for almost two years . I finally obtained full-time employment in my field in XX/XX/XXXX with a XXXX , but had to take care of more immediate debts ( like health care costs ) first. I simply want to lower my payment, which will only benefit Navient in the long run because I will accrue more interest and pay on the loan longer. I do n't appreciate being harassed almost every time I call, when I 'm trying to take care of the loan, but am just trying to pay less each month. | ||||||
| 12/28/2017 | Yes |
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| Dear Consumer Financial Protection Bureau ( CFPB ), I am a XXXX year old ( on XXXX XXXX ) father and husband. For some time now I have been receiving several notices via telephone calls throughout the day, and via mail, from NAVIENT, a student loan servicer, from which I received private loans to cover my XXXX XXXX education at the XXXX XXXX XXXX XXXX XXXX. I first received some of the loans in XXXX after I started XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX. During the first semester, I survived a XXXX XXXX XXXX. This illness was one of the reasons why my receipt of my XXXX XXXX was slowed down, lengthening the time to acquire the degree from four years to nine. The other reason was that I had to get some loans to finish my XXXX XXXX. Because the previous loans, which were originally less than {$100000.00}, had been accumulating, nobody wanted to give me more loans. The school also did not want to give me a letter of recommendation because they insisted that I owed them money. This all made it very difficult to get XXXX XXXX. Finally, the school realized that it was the one that owed me money, so it opened the way for me to do my XXXX XXXX. When I finally finished doing the necessary XXXX XXXX, and was waiting to receive my XXXX XXXX, my daughter, who was also interviewing for XXXX XXXX, suddenly became ill with a strange illness called XXXX XXXX XXXX From XXXX XXXX to XXXX XXXX she was admitted to several hospitals and put on several trial treatments before doctors finally realized that she was suffering from the XXXX XXXXXXXX. This illness caused her to be XXXX and to have XXXX and XXXX, and she lost everything, including XXXX, how to XXXX, how to XXXX and XXXX, and many other functions that we naturally take for granted. Because of the nature of the illness, after she was discharge from the hospital the first time she had to be under strong observation at home. I had to stop whatever I was supposed to do, namely preparing for my XXXX XXXX so that I may eventually apply for XXXX XXXX, to take care of her. The XXXX came back again in XXXX of XXXX and she was admitted to XXXX XXXX XXXX XXXX for seven months. This time it was much more serious than the first time, and I had to sign up to be her guardian even though I am her father, so that I can decide for her medication and everything else. After discharge, she is still under my observation and I take her to see her doctors for treatments, follow-ups, and anything else needed for her care. When NAVIENT asked me to start making payments towards my school loans, I decided to get a job and suspend anything related to my future career in XXXX. I needed a job which could also help me take care of my daughter, and that is difficult to come by. I managed to get a freelance, as needed job as a XXXX XXXX through XXXX XXXX. The job doesnt come frequent, for, since I signed up with them in XXXX or XXXX Ive had less than twenty hours of work with them because there arent many patients who need XXXX to XXXX interpretation. Even when I get the assignment to do, it usually takes about forty days before I receive my payment. I have still been trying to find work and whenever NAVIENT calls, or when I call them, I inform them of my situation and the progress of my job search. I told them that as soon as my daughter is completely independent, as shes now trying to reapply to XXXX XXXX, I will engage in a job that could help me to start making payments towards my loans. I even told them that two of my other children have decided to contribute about a total of {$100.00} towards my loan repayment, but they said that the loan I have is too much for that small amount. As of XXXX XXXX, XXXX, the unpaid principle of the loan is {$190.00}, XXXX. NAVIENT expects me to pay {$12000.00} a month towards this amount. Over the phone, they have offered to allow me to pay less than {$1000.00} a month for fifteen months, before changing to another payment plan. I, however, am not making that much money. They have already reported me to the Credit Bureau, which marked me as delinquent. Thus, my XXXX XXXX credit line, which used to be {$4500.00}, has been reduced to {$650.00}, which I have already maxed out. My APR has also been increased by almost 100 %. Now, NAVIENT is threatening me, saying that if I am not able to make any payment by the XXXX of XXXX XXXX, then they will report me to a collection agent or will refer my account to their legal network partner to be reviewed for litigation. This is where I need your help. NAVIENT has told me that I have exhausted all of my deferments during my clerkship and internship, as well as my economic hardship status. With the frequent phone calls and threats, there is no peace among any of us in my household and it seems my future aspiration to become a XXXX XXXX is at stake. My credit is also ruined, putting any future plans I have also at stake. I am not making much money and am still taking care of my daughter. My wife is the primary source of income in our household of XXXX, but makes less than {$13000.00} a year. We are economically disadvantaged and have been so ever since we entered this country from XXXX in XXXX. I hope that you will be able to help me in any way possible. Attached to this complaint you will find two documents from NAVIENT, as well as a letter from one of my daughters doctors to indicate that she was really sick and that I was taking care of her. Thank you and I look forward to hearing back from you. Kindly let me know if you will need further information regarding my daughters illness. If so, I will contact the hospitals, or I will provide you with their contact information. Thank you and XXXX richly bless you. | ||||||
| 10/13/2017 | Yes |
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| On several occasions I have contacted Navient in regards to student loans that are on my credit report and the NSLDS that I did not have. On XXXX/XXXX/XXXX I contacted Navient about the loans and they could not tell me any information on the student loans. It shows that 2 Consolidations were done in XXXX, That I did not submit for. On XXXX/XXXX/XXXX I contacted XXXX XXXX XXXX XXXX who printed out the information from the NSLDS website and showed me where the information they had was incorrect. It shows inaccurate amounts. I only consolidated one time and that was in XXXX through the XXXX XXXX XXXX consolidation program. I never consolidated any other time. After reaching out to Navient on several occasions and received no help from them. On XXXX/XXXX/XXXX I contacted the XXXX XXXX XXXX program and was transferred to speak with a rep from the US Department of Education. I explained the issue that I was having with my loan amounts being different then what I actually owed. I only owe about {$19000.00} no more than {$25000.00} and that is including interest. According to the NSLDS, It shows that I owe over {$70000.00} in student loans and I do not. When speaking with the US Department of Education I was given 2 case numbers ( XXXX and case number XXXX ). I was told by the rep with the Department of Education to contact the US Department of Education - Onbudsman department and the Onbudsman department of Navient. I contacted the US Department of Education Onbudsman on XXXX/XXXX/XXXX and spoke with a representative named XXXX, who advised me to contact Federal Student Aid Feedback Center and the Consumer Finance Protection Bureau before they could step in and help me. I did file a complaint with him and was given case number XXXX. On XXXX/XXXX/XXXX I also contacted the Federal Student Aid Feedback Center and spoke with a Representative named XXXX and filed a complaint and asked to file a grievance against Navient. I was given case number XXXX. On XXXX/XXXX/XXXX I contacted CFPB and spoke to a rep named XXXX who explained what I needed to do and how to go about filing a complaint. On XXXX/XXXX/XXXX, I contacted Navient and spoke with an account advocate working on my case and his name was XXXX. I explained to XXXX that I needed to get the issue with my student loans resolved because I am trying to pay back the loans I actually had. While talking with XXXX he expressed that he was sending out a letter to me that states I consolidated back in XXXX. I proceeded to explain to him that I did not consolidate in XXXX and he started arguing with me and telling me I did. He stated that he had an electronic signature showing I consolidated and that I have a promissory note on file. I explain that, that information was incorrect. In XXXX I took out a parent plus loan for my daughter to attend XXXX XXXX XXXX XXXX for the amount of {$1700.00}. If any promissory note was on file it was for that plus loan. I asked him to send me the information he had because he kept arguing I signed for a consolidation. I asked him the same question I have asked a lot of Navient Reps in the past ... '' What loans did that Consolidation consist of? '' No one can tell me. No one can break those loans down. My loans keep doubling and I 'm not even in school currently. I ca n't even finish school due to the inaccurate information that is being reported. I did ask XXXX to send me the information he had so I can present it an Attorney, I have not received any of the information. For a long time now I have been telling Navient that something very illegal and fraudulent has been going on, on my account and nothing has been done about it. I 'm not sure if there 's a Class Action Lawsuit against Navient that I can be a part of but if there is, I want to be apart of it. On XXXX/XXXX/XXXX, when I was also speaking with XXXX from Navient, and explaining the amount of the loans were incorrect, I asked is there anyway I can also get help with the payment amount that Navient wants me to pay back. I was told if I set up any payment arrangement I would be omitting to the fact that I owe the amount of the loans being questioned and that nothing can be done about that. That puts me in a bind because I do n't owe the money I am being accused of borrowing and at the same time I can not afford my loans to go into default. I need help!!! I am not getting any where with Navient and I am not getting the help I need. And to give you an example of the issue I am having .... According to the NSLDS website, it shows that {$9500.00} was borrowed in student loans, But I have proof from the XXXX XXXX XXXX that {$9500.00} is what I was certified for the year for but on XXXX XXXX, XXXX, {$4700.00} of that certified loan was sent to the school. On XXXX XXXX I withdrew from XXXX XXXXXXXX XXXX and {$2400.00} was sent back to the lender on XXXX XXXX. Which left a balance of {$2200.00} that was kept and used for my education. According to the NSLDS website, it shows I owe {$9500.00} and I do not. Plus due to withdrawing from the school the remaining {$4700.00} that was to be used later in the year or for the next semester was cancelled. Therefore I do not owe the amount that is being said I owe. This is an example of what I mean when I say I am being held accountable for money I did not receive. I really would like for this issue to be resolved. I am highly concerned that a consolidation and a refinance was done with out my permission and I never agreed or signed for it. But it is showing on my credit report. Not to mention, I did n't think Government loans could be refinanced. Please help me. Navient is committing FRAUD and I need help with getting my account corrected. | ||||||
| 05/02/2018 | Yes |
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| On XX/XX/XXXX I temporarily withdrew from XXXX XXXX XXXX XXXX to pursue a year long research fellowship at the University XXXX XXXX. Having received poor advice ( for my personal situation ) from both my university and my loan servicer Navient I applied for a XXXX XXXX deferment in XXXX via my research fellowship. This was undertaken because I was unaware of the options for income based repayment and the potential interest benefits incurred by those programs, and was incorrectly told by representatives at Navient in XX/XX/XXXX that applying and having an approved XXXX XXXX deferment would save my grace period for my loans. Two months later I contacted Navient because my loans were still classified as in a " grace period '' rather than in deferment. I had never received any contact from Navient despite them verbally approving my XXXX XXXX request. After lengthy discussions with Navient and contact with an Ombudsman in the summer of XX/XX/XXXX, I discovered that a grace period can not be waived an thus waited until my grace period would be finished. I contacted Navient in the late fall to confirm that my XXXX XXXX deferment would begin as soon as my grace period was ending and was told it would work smoothly. In the winter of XX/XX/XXXX was preparing for my return to school and began to research repayment programs because I knew I had used my grace period and would have to begin repayment shortly after I graduate in XX/XX/XXXX. In looking through my options I discovered the REPAYE program and because my income to debt ratio is so high, the Government subsidy on the loan would be a significant contribution to my loan interest that was continuously accruing. So beginning in late XXXX I have been consistently contacting Navient in an attempt to remove my deferment status on my loans and enroll in the REPAYE program. Each time I have been given different information about my rights as a borrower. I was initially falsely told I could not waive my in school deferment. After additional research and repeat contact I was informed that the loans were actually classified as in school status rather than deferment and that they had no information concerning me leaving school. After acquiring copies of my graduate deferment request that I already submitted and the correspondence I had with Navient, they miraculously were able to find my request on their end and was told I could enroll in the REPAYE program immediately. After a few weeks of no changes on my loans status and no update on my income based repayment request I called again ( this was in XXXX by now and I had returned to school earlier that month ), I was informed they were only able to show that I was away from school from XX/XX/XXXX, ( despite multiple calls and confirmations in the fall ) and that according to their records I hadn't used my grace period. In contacting my school I had them send updated NSLDS information to Navient, which I was told would be enough by a Navient representative. Alas Navient still couldn't confirm my changes, despite being told by representatives Navient could each time I called. So began a cycle of hour long conversations with a representative where they contradicted or couldn't find anything concerning the last conversation I had with a Navient representative, slowly they would eventually understand my situation over the course of the hour despite giving me incorrect terrible loan advice throughout the process of the phone calls. I was falsely told that Grace periods extend for 9 months rather than 6 months. Which I informed them was a perkins loan not the direct loans I had through their program. I was told the interest subsidy on the REPAYE program only concerned subsidized directly loans, which I informed them was incorrect based on a 30 second pass of the studentloans.gov website. Navient also provided an email on their website for schools to contact them " XXXX ''. Despite my school sending appropriate documentation of my enrollment to this email none of this information could be found by the representatives I spoke to at Navient and no representative that I spoke to knew that this email existed or how to contact the department that receives emails. Throughout the process I offered to have my school call them but was told that my school would have the number and that they refused to give it to me. After 5-6 months of working on this, today I was flippantly given the number I've been asking for so my school could directly contact them. In a single phone call with verbal confirmation they allowed my school to finally inform them I was away from school and have been informed they've made the correction. This process has made me miss out on close to {$2000.00} in interest subsidy for my loans, miss out on 5+ months of 0.25 % reduced interest by enrolling in a direct withdrawal payment method, added 5+ more months of interest accrual that will capitalize when I finally enroll in the REPAYE program, and made me miss out on 5+ months of low cost payments towards the public service loan forgiveness program. Its been hours and hours of effort to just get the chance to pay my loans and get the rights I have as a borrower and at every step of this process I have been receiving untrained and incorrect loan counseling advice and Navient has made it as difficult as possible to receive answers. They have never contacted me, sent me follow up information, and throughout the process my student loans account with them has been a revolving door of changing due dates on my loans. My school has made every attempt to give Navient the information requested and Navient has used every opportunity to worsen this process. | ||||||
| 03/04/2019 | Yes |
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| Hello. My story is sad but true. It's like millions of others, I'm sure but still no less sad because it is my own issue. My own life 's issue. I am an XXXX and I pursued my dream of being an XXXX when I went to college, XXXX University, and then was accepted into the prestigious XXXX XXXX XXXX XXXX XXXX Graduate XXXX Program at XXXX. It was a great program and one where students were afforded many professional opportunities that many XXXX who hadn't gone to school didn't receive. I had received {$40000.00} in scholarship money to attend XXXX and I borrowed another {$40000.00} to pay for living expenses and the tuition difference for the next three years. In addition to the {$10000.00} I had taken out for XXXX study from XXXX, in XXXX I was {$50000.00} in debt with principal at 8.25 % interest. I also had taken out a Perkins loan for {$2500.00} that I had paid off within five years of graduation. After graduating XXXX, I worked in theater steadily for the next three years. My salary at $ XXXX week wasn't tremendous but I was a working XXXX! After the 6 month grace period however my loan servicer, then Sallie Mae, told me I would owe $ XXXXmonth on top of my rent and bills but if that would be a problem they said I could defer payments for upto 2 years or I could " forbear '' payments, essentially stopping payments, basically so I would not have to worry about payments. As the years went by I had to keep forbearing or deferring payments. My loans were bought and sold as so much trash by XXXX, Navient, Sallie Mae, and finally Navient again. I'm sure there were other servicers who bought the loans but I can not rememember all of them. They seemed to change each or every other year. I would constantly ask for statements at the end of the deferrment period to see how much interest was 'capitalized ' to the principal but most of the servicer 's employees were from XXXX and either they didn't understand what I meant when I said, " Please send me a paper statement when the loan is about to start repayment so I can see how much interest has accrued '' or they just disregarded it as unimportant. It was probably the latter as I'm sure many of us asked for statements but because the loans had switched hands so much the servicers only needed to get permission to defer or forbear payments and then forget about the rest of the service call. Their bank was getting what they wanted. People whose initial principal wasn't enormous, although owing {$50000.00} is pretty enormous would see the balance balloon to enormous sums because we weren't being kept aware of how the principal kept growing. The agents were always so understanding and supportive on the call about giving out more deferment or forbearance time because we needed help. Outside of paying my rent on a New York rent stabilized apt , borrowing for school has been my only borrowing experience. Fast forward to some years later when I was in a long running play, or on tour and I would have a modest steady income and I would try and knock off some of the principal but the interest alone now was over {$1000.00} so I asked about repayment options. I was put on income sensitive plans or income contingent plans and had some years where I was able to pay some of the loan 's interest back but unfortunately those plan were not the 'right income sensitive ' plan to qualify for payments towards loan forgiveness. Once again, misleading information that is only found out years later when the issue is too big now to be ignored and I'm trying to figure out a way out of this mess. As it stands right now I have about two, maybe three years towards loan forgiveness. My principal is now {$90000.00}! I am in the " REPAYE '' plan which I need to reapply for each year. This year my payment was $ XXXX month based on my expenses and income from the previous year however I'm still not paying anything toward taking down the principal so the interest gets added to the amount and the amount keeps growing. I'm XXXX years old. Still an XXXX. I make around XXXX/year between XXXX work, side gigs like XXXX, and unemployment but it changes every year and I don't receive a weekly check like a banker. I get paid for something then I have to stretch that money out to pay health insurance/medical costs, union dues, not to mention rent, bills and the occasional piece of pizza. I live in XXXX which is very expensive. I have under {$10000.00} in retirement savings and with streaming media taking away a lot of union work XXXX in commercials things have been getting worse and worse in the last 5 years. Producers and ad agencies don't care about XXXX. There aren't government regs to restrict this from happening and our union is virtually a non factor in protecting our livliehood. I yearn for a night when I can sleep through without waking up in an anxious sweat. I have this {$90000.00} debt hanging over my head with no real possibility to pay it off in my lifetime. I'm wondering how I could have let this happen but more importantly, I'm wondering why there aren't any regulations in place to protect borrowers from this sort of practice. The 'ever polite and supportive bank who says, " You can have another forbearance, no problem ''. Additionally, had I been told about the " proper '' repayment plan to be on years ago, I would have a few more years invested in the loan forgiveness program and I would not be staring down this dark tunnel. Had their practices been less predatory in a 'folksy kind of way ' but instead 'transparent in an honest way ', I would not be 25 years out of graduate school looking at double the amount I borrowed with not very good prospects to pay it all off. | ||||||
| 08/30/2017 | Yes |
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| When starting the complaint you have options to choose which best describes your situation, your site would not let me choose more than one option. ( just so you know ) Navient, is in control of my private and FEDERAL ( could n't choose both ) loans. It was originally XXXX XXXX ( if that makes any difference ). Spring XXXX I had set up my Navient account for automatic banking for {$50.00}. Now I did n't pay attention to that bill because I assumed it was all set. It was n't until XXXX that I realized they had n't taken a single payment. ( This I blame myself for, for not paying attention ). When I realized this I started making payments to get it down. Literally every week some a few days apart. Then I received my state taxes back, went online to pay the remainder off and noticed it had not subtract a few of those payments. So I called them on the phone. The lady I spoke to said she does see them and sometimes it takes a few days to post. I said okay well I would like to pay the remaining {$300.00} and set up my account for automatic banking, something I thought I had already did. I was on the phone for about 20-30min and by the time I hung up I was told everything was caught up and on XXXX XXXX, XXXX they would automatically take {$50.00}. I then went on my banking app and saw that the money was already pending out on my account. Great! Problem solved. Well I had visit with a few college buddies a week later and was told that my school was bought out by another company and the school I went to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ) was under federal investigation for money laundering. ( I was in school from XXXX ) I was shocked and was wondering what that means for past students. Now a few weeks go by and it 's XXXX XXXX and I receive a letter from Navient saying that I back owe {$100.00} plus another {$50.00} for this month. I immediately called them on the phone and they tell me they never took that amount out of my account, that there is absolute no record of it and go to my bank and fax them my statement proving it. They kept talking in circles not listening to me. So I hung up went to my bank spoke to an agent there who printed out my XXXX and XXXX statements. We looked through the papers together and I noticed some of the other payments were n't showing either. I asked him would ( My bank ) have canceled those payments for a reason. He told me, not only would I have been informed if they had but it would also show on my statements what, when, and why it was canceled. The only time it would not show up on my statements is when the merchant cancels the payment. Now I 'm furious but I also remembered something. So I go home and I call up Navient and explain the situation to another agent. Again they give me the go around AND tell me I 'm lying. So I say to this agent, " the first thing I hear when I call you guys is that this phone call is recorded and monitor. I want to hear my phone conversation from the last week of XXXX '' I get hung up on. So I call right back, say the same thing including the recorded conversation. The guy argues with me and says my manager is the only one who can release those so I said ( probably about 5 times ) then let me speak to your manager. First he puts me on hold then he comes back and transfers me to his manager 's line. Whom does n't pick up but his voicemail does, so I left a message. They have yet to let me listen to that recorded conversation. After hearing about my school and given a run-around while trying to actually pay them. I feel like I 'm being scammed. Everyday its late and I owe money that 's more money added to my loans with high interest rates. At this point I decide not to give another cent and to get help. So, I contacted the XXXX XXXX XXXX office of MassachusettsXXXX Now before I go any further I should point out that I am taking care of my federal loan while my mother is paying my private ( I ca n't afford both ). Now my mother has had similar issues in the past while trying to pay for the private loan. As of XXXX my mother left work on XXXX until further notice. She called Navient explaining her situation and they told her that they do n't care and they will get their money one way or another. They even went as far as threatening to take her retirement money. They call all day and night. ( another option I could n't choose more than 1 for ) Now the person I spoke to from the Mass. XXXX XXXX XXXX office is going to try to mediate for me but also told me to contact you guys. Now I spoke with her today XXXX and shortly after I got off the phone with her, my uncle called saying that Navient, just called him and said I owe money and threatened to take HIS take house if they do n't get the money. My uncle did n't co-sign my loans, my mother did. Why are they harassing him and how the XXXX did they get his number? I have no idea what else to do at this point. I basically went to school for dept. I did n't get a degree ( Could n't finish because I was told I already owed too much on my loans and would have to start paying them off before I could go back to school ). Too much time has passed so I would have to retake whatever courses I did have credits for. Given the reputation of my school, had I graduate my degree would mean zilch because a degree from my school is considered a joke in the professional world. Any help on this matter would be greatly appreciated. Below is my contact information, if it 's unknown I do n't answer ( due to the constant Navient calls ) but if you leave a message I will get back to ASAP. XXXX XXXX XXXX XXXX XXXX, XXXX, Ma XXXX Cell # XXXX Email- XXXXXXXXXXXX Thanks! | ||||||
| 04/29/2019 | Yes |
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| Communication : Not getting answers to my questions and getting information or advice from representatives that was bad or perhaps outright false. Getting mixed up information. But, mostly, getting responses that are " scripted '' never getting answers to my particular questions. Getting the exact same response repeatedly and Navient reps refusing to talk/discuss alternatives. There was one time when I was told ( during one of the yearly re-certification processes ) that the representative told me there would be " Administrative Forbearance '' come to find out - no, it wasn't - they had used up my forbearance while we figured out the re-payment options. Little did I know this at the time - that forbearance probably contributes to the TOTAL of {$100000.00} capitalized interest on my total loan cost. Payments : I feel like Navient has misrepresented options for payments and re-payments, perhaps too in the way it has applied loan payments. Things like suggesting forbearance, suggesting that was the " only '' option. I just am confused now and scared that after working all these years, my paycheck will be garnished, Navient will take my Social Security and even my State pension. I appreciate your helping me - if there is anything I can do please let me know. The Advocate - she does NOTHING to answer my question - she refuses to tell me what the MINIMUM payment I can make - she reads a " Script '' and NEVER answered my question as to a minimum amount I can make - so I guess I have to make the FULL {$230.00} because she's got me by the you know what ( s ) - she REFUSES to answer the question? I can not afford to pay this amount for the next year, and I will need to slash a lot of things off my list ( s ) grocery, cancel the doc appointment I had schedule for this week, whatever I have to do to get that paid - I can not do this every month though? The Loan Forgiveness Program Navient stated I was " eligible '' for and the one I have been working towards did require 120 on time payments. They stated these payments did not have to be " consecutive '', but just 120 on time payments, in addition to working for a XXXX XXXX XXXX too as an educator. I have been with the XXXX XXXX School district for 16 years and plan to still be working when I get meet the goal of 120 on time payments - meeting both of these pieces of criteria would in the end - would make me eligible for the Loan forgiveness program. The most recent information I was provided by Navient, ( letter dated XX/XX/XXXX ), as you stated in your response, is not the information I was given. In addition, a Navient Customer Advocacy representative, a one, Mrs. XXXX XXXX reached out to me at some point, but has not been helpful at all. She continues to repeat the same " script '' over and over and over and over again calls and leaves message on my home phone during my work hours, leaves meaningless messages with her name, date and time with an invitation to cal her back. I had a payment due on XXXX in the amount of {$230.00}, which is the " new '' monthly amount after I re-certified this last year ( you have to do this each year ). This is the amount that I can not afford to pay each month for the next year and I need to be lowered to a reasonable amount - this is what started this whole mess! I want to send in a payment - or I did on the XX/XX/XXXX and I still will send - I want to send in a payment, but when I send a very specific question about an amount to pay to her - she avoids me by stating the exact same thing over and over again. I must have said to her, sent her this same questions ( below ) a million times, long before XX/XX/XXXX when my payment was due - the following : What is the minimum amount I can pay NOW that will allow me to avoid default and or use of my forbearance until we can come to a reasonable monthly amount that I can afford to pay back each month in order to meet my obligation to pay back my student loans each month for the next year. Please do not call my home phone again to respond to this e-mail as that is not working. Please respond here as to the minimum amount I can pay NOW that will allow me to avoid default and or use of my forbearance until we can come to a reasonable monthly amount that I can afford to pay back each month in order to meet my obligation to pay back my student loans each month for the next year. Please do not call my home phone again and leave a message asking me to call you back as that is not working. Please respond here asap. I am trying to do the right thing and be responsible - please respond. Respectfully, Ms. XXXX SHE ALWAYS RESPONDS WITH THE SAME " SCRIPT '' Please see the e-mail below : XXXX, XXXX XXXX. To : XXXX XXXX XXXX XXXX at XXXX XXXX Dear Ms. XXXX : Thank you for your recent email. Please see the information provided within our response dated XX/XX/2019, which was previously provided to you. It is important to understand that your payment amount was calculated using a formula set by the U.S. Department of Education, and Navient is unable to change this formula to provide you with the lower monthly payment amount that you are requesting. Your current repayment plan is the lowest available repayment plan we can offer at this time based on federal regulations. For additional information regarding the available federal repayment programs, please visit studentloans.gov. Sincerely, XXXX XXXX SHE DOES NOT ANSWER MY QUESTION - IN FACT IF YOU WANT ME TO FORWARD THE E-MAILS I HAVE SENT TO HER - IF YOU THINK THAT WOULD HELP - PLEASE LET ME KNOW - Why would she not provide a minimum amount or something other than the same script over and over? | ||||||
| 05/30/2019 | Yes |
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| I filed my annual IBR documentation in XX/XX/XXXX after filing my taxes. I've been on income based repayment since around XX/XX/XXXX 6 months after I XXXX college. The loans are already consolidated with an interest rate of about 5 % each ( one subsidized, one not ). This year I mailed my documentation on XX/XX/XXXX. I mail the hard copies because I have had problems with their upload system in the past. I did not receive word of my new calculation until XX/XX/XXXX, less than 1 month until the next monthly payment was due at the new rate ( due date XX/XX/XXXX at new rate ). It went up over {$60.00} which seemed excessive by my calculations. I called on XX/XX/XXXX and spoke with XXXX, who informed me that the tax documentation I provided was taken to indicate I held 2 full time jobs for the duration of XXXX. Not only is this patently ridiculous, it was incorrect. I changed from non-exempt to exempt roles at my corporation ( hourly to salary ), and this treated my tax and employment documentation to include 2 separate W-2 forms for XXXX. I was advised to refile the documents as a recalculation with a pay stub instead of tax documents, and then call and ask for an expedited process to try and get my correct rate approved before my next payment. I did both of these things the following day, XX/XX/XXXX. It should be noted, due to previous website upload experiences, I have submitted all documents following my initial submission in XX/XX/XXXX via digital fax. I attempted to contact Navient on XX/XX/XXXX and XXXX XXXX to check on my request, but was unable to speak with anyone due to hold times. On XX/XX/XXXX I got an automated email stating that my documentation for proof of income was not sufficient. When I called on XX/XX/XXXX to ask for further information, I was told by the female I spoke with that I needed to provide 2 pay stubs, not just one. I could be wrong, but no documentation or email I have ever read clearly states that more than one document must be submitted as proof of income, just that a pay stub is acceptable and can not be older than 90 days. I promptly printed another pay stub from a different pay period and sent this supplementary document to them that same morning. I called again on XX/XX/XXXX and spoke with another female to determine that everything was complete with my application and that nothing else was required of me. I asked more than once. I was told I was all set. XX/XX/XXXX I got another automated email stating my documentation is not correct. I called that afternoon and spoke with XXXX, who informed me that the documents I sent were not legible on their end. I was not informed of this at the time I spoke with the previous representative and confirmed that the documentation was received and correct, and this email indicating a problem occurred more than a week after that conversation. Unfortunately, those documents are not alterable, they look how they look. When I suggested sending a bank statement per their list of acceptable proof of income, I was told that was not an acceptable document. I was told that if I could not provide a cleaner pay stub, I would need to provide a letter from my employer detailing all the same information a pay stub would. This takes several weeks at my company. When I asked what I do about the overzealous payment in the meantime, I was convinced to file a 1 month forbearance. This affects my credit score and my ability to apply for a loan and gain acceptance with a reasonable interest rate if needed ( say if my car dies and I need a new one ). Something about the refusal of bank statements didn't sit right with me as I was sure that was an acceptable form of proof as indicated in the refiling paperwork as well as the automated emails. I checked both and it is listed as being acceptable with any qualifying statements speaking to exceptions to this listed document. I called Navient again ( 9th phone call overall about this case ) and inquired as to why I was told a bank statement, which I have immediate access to, was not acceptable when all their documents indicate it is. I was told by the male representative " a bank statement qualifies and it doesn't at the same time. '' It was explained to me that the reason it is not acceptable despite their indications is because it does not provide information on the gross income. My understanding from past experiences with questioning Navient 's calculations is the formula used was based on net income, not gross. I am now informed it's based on gross, which is not what I've been told in years past. In my opinion, that should not be legal as your taxable income amount is then taxed, therefore your taxable income amount is not what is being put in your pocket to satisfy regular expenses, cost of living, and debt repayment. Either I was purposely misinformed in the past, or their policies changed without clear notification to their borrowers. My loan is in forbearance until XX/XX/XXXX. There is no reason for this and the situation should not have ended this way. The only reason I agreed is because I have some expensive treatments for a chronic medical condition coming up anyway and I refuse to pay a rate they initially miscalculated and then stonewalled the recalculation request. The entire debacle is the direct result of improper paperwork handling, misinformation, and a lack of due diligence on Navient 's end. I don't think in the 5-6 years I have been earning enough to pay on my federal loans I have gone through an annual review without hassle, but this is by far the most asinine experience with this lender to date. | ||||||
| 07/23/2018 | Yes |
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Web | Servicemember |
| I discovered in XX/XX/XXXX my almost ex-husband had been filing deferments fraudulently since XX/XX/XXXX. The statements he made included claims I was unemployed which were not true. All correspondence was electronic. I had been lead to believe these loans were close to paid off and only discovered this when collections calls began. I began to pursue a fraud investigation. I requested all correspondence and initially was only given the latest deferment form filed in XX/XX/XXXX. I was told in XX/XX/XXXX by the Fraud Department that fraud by a husband was impossible, therefore they would not do anything. Meanwhile, my husband had just been XXXX for XXXX XXXX for XXXX use of my credit card and XXXX XXXXXXXX, so I knew this information was not true. I appealed the issue to the ombudsman and requested all correspondence be via email as I felt like I was getting the runaround at best. I again supplied the entire history to the ombudsman, I shared personal and embarrassing details of the XXXX, XXXX and XXXX XXXX I suffered at the hands of this man which included being forbidden access to bank accounts, bills and other financial information. I noted that just about everything we owned, to include our home, was in his name only to show evidence of the level of control he wielded. I shared the credit card issue that he paid back to avoid prosecution as evidence of a pattern of behavior. I was asked what remedy I was seeking and honestly felt I was getting somewhere, finally. I shared I wanted relief on the interest as it caused my already outrageous balance of $ XXXX to turn into $ XXXX of debt. I was not asking to be relieved of the entire debt - I would pay what I owed in good faith, I just wanted to be dealt with in equal good faith. I was wrong. I got an email that said simply their investigation showed no fraud occurred. I still had not been given the documents I requested and did not get them until I threatened to subpoena them. That threat worked because I got them all -and low and behold, there were errors such as my birthdate being wrong on a form. I hardly think I would get my own birthday wrong, and noted I questioned their investigatory prowess if they investigated the issue at all. I never got a response to noting this colossal error. I spoke to another customer service rep to find out what the next level of appeal was and things went from bad to worse. This representative advised me to go back to the original fraud group and submit a document I had not gotten the first time. She also told me not to pay the loans as doing so would indicate my acceptance of them being my debt in their entirety. You are warned all calls are recorded, so this should be on Navients record. This information was erroneous and now on top of everything else, my credit has been destroyed. To make matters worse, when I was told through another customer service agent in XX/XX/XXXX that I had been given bad information ( and I started paying the loans immediately upon getting this corrected information ), I was told she would correct the credit report to show I had not been late. I asked if she meant I had been caught up, and I understood her to say no, she would fix the credit reporting and make it good again. This too should be recorded. She also said she would get me in a program that graduated my payments and it would take care of late fees, etc. I kept logging in to pay my account ( there is no way to override their system to pay a lower amount due that I could figure out ) and the payment had not adjusted. I called back and was told the amount was a late fee. When I explained I was told there wouldnt be any late fees due, the agent argued with me and said she did not know why someone would tell me this. Interestingly enough, when I went in to make my payment later, those late fees had been reversed. With all of this, Navient has managed to almost double my loan balance by not catching fraudulent activities on my account, refused to really even investigate the issue to resolve, gave me such bad information my credit was ruined and then doubled down on stating they would fix it, but did not. I am not able to indicate I would participate in prosecuting any longer due to the terms of my divorce but would have been more than willing when I started this complaint with Navient. I could not hold out for this issue to remain open as I was being destroyed by him economically as he stopped paying any joint bill we did have leaving me to pay ( which I did trying to keep my credit in tact as he being the awesome human he is, abandoned our children. I am all they have, I needed to stay in a place where I could provide a decent house, little did I know that was for naught as Navient was ruining my credit anyway ). I had also already spent close to $ 50k in legal bills responding to my husbands rediculousness in trying to continue his XXXX of me by XXXX. I had to settle saying I would assume my student loans and not go after him. Not knowing if I would ever get resolution, I made the best decision I could. But it doesnt erase what happened or how Navient handled this from the beginning. If they had done their due diligence, I could have assisted in prosecution and I wouldnt be facing being a single mother with a XXXX year old ( we were in the process of XXXX, she is XXXX XXXX and we had her since birth, he backed out as another XXXX mechanism and to avoid child support ) and another in college with this crushing debt created through no fault of my own as well as ruined credit that will take years to recover from. | ||||||
| 03/27/2020 | Yes |
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| I attended XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Some of the things that attracted me to the school were small class sizes, instructors were professionals in the field of study, .career services said they had 100 % job placement upon reaching graduation, the flexibility of the courses so that i could work in the area while attending the school, and being close to home so that i could commute. My parents and I met with the school officials prior to the start of courses in XXXX to discuss FASFA and student loans in general such as XXXX XXXX and XXXX, etc. We signed up for Parent plus Loan and had cosigner on the loans. The total cost for a XXXX 's program was approximately {$80000.00}. At the start of XXXX and mid way through the year. we had to meet with school officials and financial advisers and they said that they no longer could get Federal student aid such as Parent Plus loan. They said the only way i could continue to attend college courses was to pay the remaining balance of school or take out private loans with higher interest rates. The Financial Advisers changed so often that we didn't even know who to talk to at that point. I felt like i was forced to take an expensive private loan through Sallie Mae XXXX Navient XXXX just to complete my course otherwise i would have no means to finish what i had started and be a complete waste of time, money, and effort spent. As far as career services goes, this was a complete joke. They had promised for assistance and were selling people on 100 % job placement. I had met with them many times throughout the courses i was taken looking for entry level positions or internships. The only thing they did was print off packets of jobs that were already on XXXX or XXXX XXXX. or they would have part time work through staffing agencies for XXXX XXXX, etc. The instructors at the school were not qualified to teach. There were some good teachers along the way, but some classes, the instructors would walk out in the middle of the course, they would teach things completely unrelated to the course syllabus to waste time. They would give exceptional grades for mediocre work so that the students would have a high pass rate and ultimately help with funding. Upon completion of the course and the so called separation period, i started to receive calls from all the lenders wanting the repayment to the point of harassment with myself and my cosigner. i had set up the deferment option as i had not yet found work pertaining to my degree. My loan providers switched several times and trying to keep all the payments and information was extremely difficult. I looked at Direct Loans Consolidation through Dept of Education, it transferred to XXXX, then Navient was the handler of my private loans. I had finally found a position for my degree but all the loans were already accruing a ton of interest at 10+ %. This caused me to be way behind and ballooned my payments to the point i would have to choose to buy basic necessities such as food, rent, gas, etc, or make more that XXXX $ month payments combined on said loans. I talked to them MANY times to try and set up income based repayment, interest only payments, forbearance. deferment, basically every option that was available to help. It then got to the point that my options had run out, and they could no longer offer the assistance as stated above. Now they wanted to collect even a higher payment on top of what was already asking because the interest still accrued while the " assistance programs '' were in effect. This started a bad string of missing payments or being way behind which was affecting my credit scores. my credit went so low that i could not obtain any personal loans to try and pay off the higher interest school loans that i felt were predatory. I also could not consolidate any more. Ultimately, this forced me into missing other payments to try and bounce back and forth between school loans and those payments, and i had to look at filing bankruptcy. After bankruptcy for all of my other items such as car and house, this still did not help me with the student loan crisis because it is not included in the filing. It started me back at square one where i could not even obtain a high interest credit card to assist or offset some of my payments due to my credit being destroyed. It caused many years of struggling to provide for my family because it stemmed all the way back to the decision of attending XXXX XXXX and the fraudulent and predatory practices that they steered me in to that direction. Now, over 10 years later, making payments on Federal and private loans, and my balance is still as high as when i first started because the interest accruing. If i knew about XXXX XXXX 's shady and dirty practices prior to attending, i would have NEVER in my life would have agreed to go there and now it is a decision i have regretted ever since. I was young and naive and now realized i was completely taken advantage to the point of destroying the next 10 or more years of my life. Now, the school has since closed down due to the fraudulent and deceiving practices and are involved in several lawsuits that are exactly the same as what had occurred to myself back in XXXX. The only option i felt i had was to either quit school and eat almost 2 years of schooling, or to take the high interest private loans. The credits that i had accumulated would not transfer anywhere at the time and i would have had to start completely over along with paying back the first 2 years at more than {$40000.00}. | ||||||
| 05/25/2018 | Yes |
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| The second week of XX/XX/XXXX I authorized Navient to withdraw from my checking account XXXX dollars to pay off my loans in full. They were to withdraw the money from my account on XX/XX/XXXX. On XX/XX/XXXX XXXX dollars was withdrawn from my account twice. It was after business hours so I sent an email to them stating they had debited my account twice. My Navient account showed a balance of XXXX. I never received a response to this email. Saturday morning I went to my bank and explained the situation. They advised me to call Navient on Monday. Monday XX/XX/XXXX I called Navient. I was initially told they debited my account twice because I authorized them to debit it twice. 1. I did not 2 If they received 2 authorizations it had to have been a computer glitch 3. why would you withdraw twice what is owed on an account? I was told that they could process a refund but could not start the process for 10 days and then it would take another 7-10 days to receive a refund. I spoke to 3 people on that day. Eventually was advised that I could get a copy of my account statement from the bank proving they had withdrawn the money twice and then they could expedite the refund. ( meaning the 10 day waiting period would be waived and they would start processing the refund immediately ). They said that it would take 7-10 days for the money to be transferred back to my account. I asked if it took so long because they were mailing a check and they were accounting for the mail and was advised that they could mail a check if I wanted but it would take an additional week to get to me. I said, no, please deposit it back to the account you withdrew it from. They then confirmed the account number with me. The reason I was given for why it took so long to process the refund was the number of refunds the department has to process on a daily basis. The bank typed a letter stating that my account was debited twice and printed my statement and faxed it to them. I also uploaded the documents to Navient. Expecting the money to be deposited into my account within 10 days, I waited. On Thursday ( day 11 ) when the money was not in my checking account, I called customer service and was told that the refund had been approved by the finance department and should be deposited into my account in the next day or 2. Friday XX/XX/XXXX ( day 12 ) the money is still not in my account. I called back to customer service. I spoke to XXXX ( XXXX ). He stated that the money had been released and sent to my bank. It will probably be there in the next few days, but because tomorrow is the weekend and Monday is a holiday it may be Tuesday or Wednesday next week before I see it. I have very little faith at this point, so I ask to speak to someone in finance to confirm ( my bank has no pending deposit showing in my account ). He states that he does not have that departments number. I ask to speak to a supervisor. Due to high call volume I can not speak to a supervisor. Needless to say, I am extremely frustrated by this point. I ask for the email to the CEO and director of finance. XXXX is unable to give me this information but does give me the employee ID number of the person who supposedly released my money to be deposited into my account ( XXXX ). This is supposed to act as proof that my money is on the way. XXXX also gives me the number of the consumer advocate department. I spent at least 30 minutes on the call with XXXX. I then called the Customer Advocate number I was given XXXX. I spoke to XXXX ( XXXX ) and explained the whole situation. He states he understands and will speak to one of the supervisors to see if they can help prior to putting me through to an advocate. XXXX was very polite and understanding. I was then transferred to the supervisor XXXX in Pennsylvania. I explain to him the whole situation and tell him I want to be sure my refund is coming because at this point I have no faith in anything I am told. He checks the account and asks to put me on hold so he can contact the right department to confirm because he has a check number as well as another number that could be for a electronic deposit. Remember on XX/XX/18 they confirmed how I wanted the refund and confirmed my bank account information. XXXX comes back to the phone and states that they issued a check and mailed it today. He did submit a complaint to the appropriate department regarding how this situation has been handled. Here are a few of my main concerns : 1. If they can debit my account within 24 hours- they should be able to credit my account in a similarly short time period 2. why would you withdraw a payment that exceeds what is owed on the account 3. While you have my {$4500.00} you are likely earning interest on it ( at least 2.875 % which was the interest I was paying on my loan ) 4. While you have my {$4500.00}, I am not earning interest in my investment account- currently performing in the 10-13 % range 5. If this is happening to a lot of borrowers- Navient could be earning millions on money that is not theirs to use, while the borrowers are losing money, not only in lost interest they could be earning but also in bank fees for low balances, overdraft fees, and insufficient fund fees. Not everyone has a safety net to cover a XXXX dollar plus mistake. If I had not had someone to help me, my mortgage would not have been paid, my kids would not have eaten, I would not have been able to put gas in my car to get to work. This is a problem that needs to be addressed with Navient sooner rather than later. | ||||||
| 08/28/2017 | Yes |
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| To Whom It May Concern, On XXXX XXXX, 2017, I mailed Navient formal letters requesting copies of promissory notes, applications, origination records, evidence of co-signer, procedure to remove cosigner, loan history, info on how each payment was applied and running balance, documentation of when extended repayment started and why, when I agreed to electronic correspondence including time frames that I received electronic correspondence, and correspondence for any/all payment changes and reasons for those payment changes. ( appendix A ) Those letters were mailed certified and received by Navient on XXXX XXXX, 2017. On XXXX XXXX, 2017 via mail I received an application to request release of cosigner, for loan XXXX. I filled out the application and sent certified mail on XXXX XXXX, 2017. On XXXX XXXX, 2017 I received a voicemail from XXXX XXXX in the Office of the Customer Advocate at Navient, " calling to discuss the kind of information I am looking for? Though your letter is self explanatory, I just wanted to know if you wanted it on all loans or just Department of Education Loans? '' I called back, left a message saying, yes, for all loans, both Department of Education AND Private loans. On XXXX XXXX, 2017, XXXX XXXX left another message, stating that she had received my original letter, requesting documentation for my Navient owned loans ( Private ) and my Department of Education loans. She also said " ... I will try to get that information out to you as timely as I can. '' She apologized for not getting back with me sooner. Navient received my application to release my cosigner on XXXX XXXX 2017. Also on XXXX XXXX, 2017, I received a response ( appendix B ) to my original letter postmarked XX/XX/XXXX. This letter summarized minor details and included promissory notes, however, did not answer, nor give me further information that I need for my records. In the letter I was told, you can view your correspondence history - including monthly statements, account updates ( change in terms ) and inquiries anytime online. '' Though I requested these documents as hard copies, I was directed to utilize the Navient online system to access some of them. When I tried to access extensive correspondence online, my online account crashed multiple times before being able to access the limited info. The information that I was able to access was not clear, nor detailed. For loans, XXXX, XXXX and XXXX, the application to request release of cosigner were uploaded to my Navient account on XXXX XXXX, 2017. Why did I receive one application via mail on XX/XX/XXXX, and the other 3 applications two weeks later via my Navient account?? Feeling frustrated, I contacted Navient via phone on XXXX XXXX, 2017 and inquired why the requested documents were not mailed to me. Met with mild hesitation, I was beginning to feel like I had not made my request clear, even though I have a voicemail stating that my " letter is self explanatory '', therefore I followed up with an additional letter ( appendix C ), which Navient received on XX/XX/XXXX. On XX/XX/XXXX, I received a response to my application to remove co-signer, for which I was denied for reason 5 and 8 ( appendix D ) " You have not made the required number of consecutive on-time principal and interest payments. '' I immediately called XXXX XXXX to contest this statement and requested that she review my account and the application. XXXX XXXX, 2017 XXXX XXXX left a voicemail regarding my cosigner application having been re-reviewed. Her response was " you were sent inaccurate information, you did meet the payment requirement ... '' As for denial reason 8, I had forgotten to sign the copy of the application I mailed. I therefore emailed XXXX a copy of the signed application and she forwarded the application to be re-reviewed. On XXXX XXXX, 2017 I received a letter from Navient stating they were unable to grant my request to release my cosigner because I failed to meet the eligible criteria due to proportion of loan balances to loan amounts too high. I spoke with XXXX XXXX at Navient on XXXX XXXX, 2017, she said she was out sick a couple of days last week, and was unable to complete the work she had to do on my account, but that she was almost finished and would have it mailed ASAP. She also said she would look further into why my request to remove my cosigner was denied, stating that the denial was due to my Department of Education loans being in an Administrative Forbearance. I asked for a summary of our phone conversation ( Appendix E ). In her letter, XXXX states that the payment histories are time consuming. Why? I have made payments, they should have diligent records of those payments, what has to be done to the payment history before it is sent to me? In conclusion to the above details, I have mailed two formal letters and it has been a total of 15 weeks since I first requested documentation pertaining to my account with Navient. It 's interesting and should be brought to the CFPB 's attention that I was told I could easily access my account information online, yet when I asked to receive hard copies of these documents via mail direct from my lender, it was not so easy nor clear cut. I have yet to receive all of the information requested. I am astounded at the delay, and I am dumbfounded that these documents are not in my hands at this time. If the records are available, what is taking so long? Would n't it seem, that with the click of a button, these documents could be printed and mailed to me? | ||||||
| 08/02/2017 | Yes |
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| Salutations, Over the past three years I have experienced considerable frustration with Navient student loans. I took out student loans, through XXXX XXXX , in XX/XX/XXXX and XX/XX/XXXX , with payments beginning in XX/XX/XXXX . I set auto pay for this account, in order to take advantage of an offer for an immediate loan reduction of .125 % ; bringing my initial APR to 3.375 % - Due to three-years of uninterrupted on-time loan payments my interest rate was subsequently reduced to 2.125 %. Just prior to the XXXX XXXX transfer to Navient I went online to see what my current loan balance was ; which came to a little over one-thousand dollars. Immediately following the change to Navient I decided to review my current balance ; which had now ballooned to nearly four-thousand dollars. I know that I had never missed a payment, due to the auto deduction I set up back when I first took out the loans, so I rushed to the phone to find out what the XXXX happened. When I finally reached Navient their agent explained that my current balance was the product of a consolidation I made in XX/XX/XXXX , of {$12000.00}. I tried to explain to the agent that I had never requested a consolidation of my student loan, I had never missed a payment, and my original loan amount was for {$12000.00}. The agent insisted that my information was incorrect and that my current balance was now just under four-thousand dollars. The agent agreed to send me a copy of my loan agreement ; which arrived three weeks later, and was based on the XX/XX/XXXX consolidation agreement I never made. I decided to wait until the term of my loan had ended before reaching out to Navient again ; hoping their misunderstanding was a glitch in their newly established system. When I finally reached out to Navient, at the end of my original loan agreement, I was informed that not only where the standing by their original assessment, but my percentage rate was 3.375 %, compounded daily ; I dropped the phone, called Navient back, and a new agent calmed me down by explaining that the previous agent was mistaken about the interest rate, but was correct about the terms of my loan ; she volunteered to send me out another copy of the loan agreement, which was a carbon copy of the one sent out the year before. Due to lifes twists and turns the time had finally come for me to address this issue head on. I reviewed my records, performed a simple equation on XXXX , and came up with a current loan amount of - {$2100.00} ; which I assumed would get Navients attention considering they where now guilty of grand-theft. I emailed Navient the following : Good day, Per my request, Navient provided a copy of my current loan agreement ; said agreement correctly notes original loan amount, of {$12000.00}, a payment of {$90.00}, and an original APR of 3.375 %, with a total principal and interest of {$16000.00} ; but for some reason said document notes Date Interest Begins to Accrue of XX/XX/XXXX - account XXXX . I began making payments to this loan in XX/XX/XXXX and have now paid a total of {$16000.00} ; which is substantially more than the {$16000.00} noted in the " Principal and Interest You Will Have Paid '' section, of the XXXX Disclosure Agreement. My APR was reduced to 2.125 %, in XX/XX/XXXX , due to my three years of uninterrupted payments ; which means that I have now been overcharged {$1500.00} - based on my calculations. I believe the disconnect happened after Navient spun off from XXXX ; somehow accounting my automatic interest rate reduction as a consolidation of an existing loan - my loans still show as two separate loans on the Navient Website. Now, if you could be so kind as to please show me when my original loan of {$12000.00} transformed into a loan amount of {$15000.00} I could stop thinking about how a multi-billion dollar corporation was holding my credit rating hostage - when did my fifteen year loan transform into an eighteen year loan? Im trying to be calm here ; but I see nothing that tells me why my payments from XX/XX/XXXX thru XX/XX/XXXX count for nothing. Thank you for your time and consideration. Note : this my third attempt to reach out to Navient regarding this issue XX/XX/XXXX Navient responded via the attached pdf.doc ; maintaining their previously stated position, and asserting their right to an additional {$1600.00} bringing their potential theft to about {$5000.00}. I contacted Navient when I got home from work that evening and after having to endured the same explanations I had received the previous attempts I asked if the agent would be so kind as to tell me what my original loan amount was back in XX/XX/XXXX . The agent was kind enough to review my records, of the past sixteen years, and informed me that my original loan amount was in deed {$12000.00}. I then asked the agent how my original loan could balloon to {$12000.00}, after three years of payments, to which the agent began to explain that there was a disbursement made in XX/XX/XXXX to your schoolwaitoh my The agent assured me that a form would be sent out in the few weeks explaining why Navient did what they did. At this point I want more than just the money Navient has stolen from me, more than interest and penalties they would have charged me, and more than a simple slap on the wrist from one executive to another I still do not know if Navient plans on making good on their obvious and deliberate mishandling of our contractual agreement. Thank you for your time and consideration, | ||||||
| 05/21/2020 | Yes |
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Web | Servicemember |
| This is a follow up complaint to all my previous complaints against Navient, but associates most closely with the complaint filed in XXXX. Despite the company 's response implying that I and my cosigners are incapable of sending our payments to the correct accounts or addresses or zip codes, the reality is that we have used the info received directly from Navient themselves. Despite the implication that I am somehow incapable of paying my bills on time and in full, their own records, and mine would indicate that this is not factual and an outright lie. I am more than happy to prove that I have an automated payment sent out prior to the due date every month, and have for years. This issue of Navient providing inaccurate and false information has gone on for a decade. That is evident when you review the complaint dates I have filed. We have regularly been given the wrong account numbers, mailing addresses ( even though this one seemed especially odd when considering that all payments have been electronic ). When my cosigners and I filed in XXXX, we also filed complaints with the Attorney Generals in the states we live. That seems to have caught the attention of someone in Navient, and alleged meetings were held to determine what the issue with my account was, and how to fix it. We were told to change the account number my cosigners send their payment to. That would fix this decades long problem, I was promised. Just in case, we watched the payments go in at our end, as did the Consumer Advocate we've been working with, XXXX XXXX. Ive continued to monitor my accounts since as I do not have faith that Navient and its representatives are capable of keeping their word, or correctly processing payments. All seemed well until this month. XXXX took a couple days off from work right around the due date of my bill. She likely, and reasonably, assumed it would be okay to take time off. We all need a few days some time, and I want to be clear that it is not my complaint that someone took time off, no matter what the reason. People get to live their lives. The problem, though, is that every time XXXX takes a day or two off, the entire system breaks down. When she took time off this month, it became apparent that the " fix '' Navient promised was to simply keep doing what we've been doing all along. They expect XXXX to process payments because their Billing Department is unable to do basic math, and Debt Collections is unable to read the notes in an account file to see that there is always an issue with this account. In other words, not a single thing has been fixed. On XX/XX/XXXX, I saw that while my monthly statement said that I owed {$780.00}, and had paid {$840.00}, I somehow still owed around {$35.00}. Now that's not a ton of money, but how is it that I can owe {$35.00} when I paid {$58.00} over what was due? I dug into the loan accounts and lo and behold! There! Three loans had misapplied payments again. I had a past due account, and because I know it takes them up to two weeks to fix their mistakes, I knew that I had mere hours to jump on this, and start the " fix '' process or debt collections would begin harassing my father with multiple calls a day, threatening default. Because that's how it goes with these heathens. I emailed XXXX on XX/XX/19 demanding a full accounting of how this happened, and why, and demanded that she fix the payments and head off debt collections. I told her this needed to be explained within 24 hours. That deadline has come and gone and I have no explanation other than her taking time off. There is no plan for my accounts when she takes what I'm sure is a hard earned vacation. There is also no fix as was promised. I was lied to again and again. As I promised Navient in XXXX, every time this happens, I would file complaints with the CFPB. Today I will keep that promise because not only am I honest, responsible, and reliable, I am also persistent and true to my word. Navient might lie, deceive and let down, but I don't. Just to be clear, this very complaint will also be sent immediately after to the Federal Trade Commission, the Department of Veterans ( as my father is a veteran and they regularly threaten him with default for their own ineptitude ), the XXXX XXXX XXXX in XXXX where they operate, and the Attorney Generals for the States of XXXX ( where I live ), XXXX XXXX ( where my parents live ), XXXX ( where I went to school and the loans were taken out ), and XXXX where Navient operates. I have lived largely paycheck to paycheck, often less than, to be sure that every bill I have is paid in full and on time for years now. I have paid off $ XXXX with XXXX for student loans, a 5 year car loan, and several credit cards. I have paid off over {$60.00} in debt with Navient. All of that within the last 12 years. I have a XXXX credit score because I'm that good at being good. The threats of default, and implications in years past that I can't pay my bills is both infuriating, and humiliating. All I ask is that Navient be accountable. That they make good on their promise of stellar customer service and fix this problem in truth, and provide documented proof that they have done so and how. There needs to be a functional plan or I will continue to make complaints. The amount of anxiety, stress, and humiliation as well as undue financial hardship this company has caused me is unacceptable, and likely worth a dollar amount at this point, which is why I am also now exploring legal counsel. | ||||||
| 12/01/2018 | Yes |
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| Dear Sir/Madam, I am a student who XXXX from XXXX XXXX in XXXX and my family is continuing to pay for my student loans to Navient ( formerly Sallie Mae ) from XXXX to date. It is a very unfortunate circumstance my family and I find ourselves in with Navient, who have so far been very uncooperative & difficult to speak to on two issues : 1 ) Releasing my co-signer 2 ) Lowering the monthly payment amount To date we have continued to make regular monthly payments & have paid almost all of the actual loan amount, with mainly the principal interest amount remaining. Despite our due diligence in making these payments over the years Navient have refused to have an amicable dialogue with us on these issues or consider our requests. As things stand, since I XXXX in XXXX my mother 's health rapidly deteriorated & she is currently a XXXXXXXX XXXX patient, awaiting a XXXX opportunity for over three years now since her diagnosis in XXXX. My father has had to retire to be her full-time carer. I had to help my parents in the first few years after my XXXX & take over the running of the XXXX XXXX XXXX we had, which since my father 's retirement had to be closed. I myself have only now been able to embark on my own career trajectory since my marriage last year in XXXX, after moving to XXXX with my husband. Though I am in a good role now, I am earning in XXXX Rupees so my salary is significantly less than what is demanded to be paid on a monthly basis by Navient. Therefore the only way we are able to afford to pay for the loan amount every month is through the selflessness of my father who despite being retired is paying for the loan from his pension every month, leaving both him and my mother with virtually nothing to survive on month to month. In this twilight of their lives it is heart-wrenching for me as their daughter to neither have the capacity to help them and they continue to have to support me with the onerous amount owed to Navient month-on month. To put this amount in context for you, the monthly amount is near on {$2500.00} a month, which is around 1,900 at the current exchange rate - my fathers pension amount is XXXX a month. I dont think I need to spell-out the math here to emphasise the dire situation my family is in as a result of this onerous monthly amount. If this were not dire enough, more than this we are holding back my XXXX-year old cousin from her higher education in the US as her father is currently my co-signer and is therefore unable to take financial aid for his daughters education. He agreed to be my co-signer back in XXXX as at that time our family were in good financial standing & my mother 's health was not an issue. We had a clear plan to pay back the student loan amount within 2 years of my graduating in XXXX, which has been affected by various aspects primarily my mother 's health and therefore my father 's need to retire early. Though we have repaid almost all of the actual loan amount, the interest is still pending, which I would like to add is extremely high, and I am not a US citizen, so Navient are refusing to release my co-signer. They are also refusing us to change the co-signer to someone else to help us release my cousin from being a co-signer on this loan. In XX/XX/XXXX I submitted a co-signer release form, which Navient subsequently denied. I have attached this document for reference. Their claim that we have not made 12 consecutive payments on the loan is completely wrong. We have made over 12-consecutive payments, therefore the ONLY criteria preventing us from releasing our co-signer is that I am not a US citizen. However the fact that we have continued to dutifully make payments to Navient from XXXX to date shows our commitment to paying off this loan though I am not a US citizen and more than this it baffles me why Navient would refuse to allow us to simply change the co-signer so that my cousin can be free to seek financial aid for his daughters education. Furthermore I was shocked when I spoke to Navient and attempted to reduce the monthly payment amount and was told to default on the loan for a month & then I would be put through to a department called collections the following month, who MIGHT reduce the monthly repayment amount, but there was no guarantee of this. I find this shocking reactionary financial practice - there ought to be a preventative route to help those who have taken loans to reduce their monthly payment amount out of financial need. We are paying an exorbitant amount every month - we would really like to have an amicable dialogue with Navient to reduce this to an amount that both sides can agree on until we can pay off the total amount of the loan. I should add my father made a complaint to the CFPB not long ago- from which nothing was actioned. I have attached this for your reference. Hence I am attempting to go through this again with you from my side. I would like to end by emphasising however that my first and earnest request is that our co-signer should either be released or be allowed to change from him to another co-signer for the loan. This loan is now affecting THREE generations, my parents, me & my young cousin who has not even started her journey in life. We need a resolution to the issues I have laid out here and I implore the CFPB to help us have a dialogue with Navient to help everyone involved in this unfortunate issue. I anticipate a positive resolution from the CFPB. Kind Regards, XXXX. | ||||||
| 01/08/2019 | Yes |
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| Navient is the current servicer of my consolidated federal student loans. I have had constant barriers to my ability to apply for and subsequently recertify my income based repayment plan. The current complaint deals with their admitted failure to contact me about recertifying my REPAYE plan in XXXX using the provided and up to date contact information. As a result, they have converted my IBR/IDR into a standard repayment plan and failed as well to notify me of such until a past due balance had accumulated. The navient website directs customers to the studentloans.gov site for loan information. The studentloans.gov site directs customers to the navient website for information. When I called to speak to navient about the issue, despite admitting to the notification oversight, the rep said that the only way to move forward is by applying for a forbearance and then reapplying for an IBR/IDR. He listed the conditions for the application which include impacting loan forgiveness for on time payments. I indicated that it was my understanding that by missing these erroneous payments and then going into forbearance it reset or potentially deleted the clock on the possiblility of forgiveness in the distant future. I was not ok with this option given their oversight. I was then told that my only other option was to pay them {$6000.00} and still apply for a new IBR/IDR. Given the unsatisfactory nature of either, I indicated that I was only accepting the forbearance under duress and that I wanted that fact noted on my account. This is not the first time that I have been placed in an almost identical situation by navient. It took so many months ( 4-6 months as I remember ) for them to get my initial application to me and then processed that I was also forced under duress to file for forbearance. I should stop being surprised every time, but I am also very unhappy about being told by my loan servicer that they dont actually do anything associated with repayment plan applications. Theyre happy to file a forced forbearance, however, each time I am instructed that the only way to obtain the application is by calling some third party system automated system that has no possible way of speaking to a live agent. It is my recollection that for my initial application it took 2-3 failed attempts from this system before I finally got ahold of the right person at navient that was authorized to actually service my loan. Last year I seem to remember that I was contacted in advance to recertify, but still faced difficulties with obtaining the necessary application and getting it processed. Navient has been explicitly informed during every phone call I have ever made to them as well as in writing with every piece of mail I have sent them that I do not accept any form of incoming electronic or telephone communications from them. All contact should be through USPS or other snail mail. This is to specifically combat the unreliability of telecommunications due to everything from changing spam filters to my financial ability to maintain internet or telephone service. Additionally, it helps me to combat the abusive and manipulative practices of companies like navient that like to hide pertinent and timely information in things like html emails that would not even be loaded in my email to begin with since security settings prevent it. ( Not to mention navient emails go directly to junk and will never be placed on a safe list because they should not be contacting me using that route anyways. ) I do not accept phone calls from numbers not known to me. If a message is not left, the number is immediately blocked. Any businesses that ever text my cell phone are immediately blocked. I have no idea if navient is included in this list because trash phone calls from unprofessional reps and robocallers are a ubiquitous problem that I handle by blocking. Even if I was willing to accept these trash phone calls, I dont hear well and do not like to use a telephone for this sort of business. Navient has been repeatedly informed and sometimes agreed, sometimes indicated that its not legal to do that, sometimes just said it doesnt matter theyll contact me however they like and its my problem if I dont get the information. Today, the rep agreed and once again noted on my account the correct method for contacting me. But he also took the stance that it doesnt matter if they contacted me or not, its my problem and not theirs that the repayment plan was changed. He did indicate that there was no way that filing a forbearance or being late on these erroneous payments would impact future eligibility for loan forgiveness programs. Based on my understanding, it seems that is likely a blatantly false statement, but I will have to reread all of the terms of my loans and repayment plans to verify. This behavior is unprofessional. It is unacceptable. It has now met the definitions of chronic and habitual. This sort of abuse of students borrowers on such a wide scale should not be allowed to continue. There is a very real risk that navients very shady practices in loan servicing will result in my loans defaulting. I live in fear that an already dismal amount of debt will create such incredible and undue hardship for the rest of my life that I may never be able to recover. It is time for navient to start honoring their responsibilities to the USDOE and the students with the misfortune of having their loans serviced by navient. | ||||||
| 05/21/2017 | Yes |
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| Complaints : - Dealing with lender. Including making payments, getting information on my loan, and overall management of the account. - Problem with credit score . I believe my credit score h as been wrongly penalized. Summary Throughout the lifetime of my private loans XXXX XXXX , who then handed the loans to Navient, equally and repeatedly mishandled the payments of the XXXX private loans I had with them. After graduating college in XX/XX/XXXX , I 'successfully ' applied for automatic debit withdrawal from my bank accounts for loan re-payment as recommended by the company. This meant that as of XX/XX/XXXX I would be paying the loans directly through auto debit, before circa XX/XX/XXXX - XX/XX/XXXX my parental guardian had been paying a small amount monthly. Throughout the life the loans, countless times the loans were misappropriated on their end which was followed up by continuous automated harassment by email and phone telling me I was not paying my loans on time and/or missing payments, often charging and threatening late fees and marks on my credit score for missed payments. Typically, it took multiple phone calls going through multiple departments before someone wa s able to solve the problem, which was often the same as the month before, without giving any explanation to the problem. Eventually I started recording customer reference numbers, of which I still have XXXX for reference in future enquiries. However, ultimately it was errors on the lenders ' end that were resulting in the payments not being processed correctly. There are XXXX examples of errors that resulted in my loss of confidence in the service that are described below. However, it also resulted in a lot of impact on my personal and private life which included, anxiety over whether or not the payment would go through, multiple hours on the phone trying to resolve the issue, ultimately settling to pay late fees in order to not have to spend more time on the phone, consistent phone calls asking for repayment, consistent emails asking for repayment, threats on my credit score, a negative mark on my credit scor e in XX/XX/XXXX , and t he inability for anyone to explain why I had to often pay a different amount than the month before. Examples : 1. Th e payment was not going through because the dollar number being paid was not correct, so it showed me missing the payment, but in fact every month a lender employee would try a new number to be automatically withdrawn from my debit account, in order for me to satisfy paying the loan and then promise that the same problem would not happen the final month. I paid different amounts throughout the lifetime of the loan due to this, even changing between a single 30 day period even though I was on autodebit ( XX/XX/XXXX , XX/XX/XXXX , and XX/XX/XXXX ). Additionally, I often agreed to pay the late fees because I was tired of having to argue with the customer service representatives ( XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , etc. ). To be fair, sometimes they would reverse the payment because of the error ( XX/XX/XXXX , XX/XX/XXXX for example ). 2. Circa XX/XX/XXXX - exact date can be confirmed - Navient took a payment for XXXX of my student loans out of my mother 's bank account, who was not a co-signer on any of my XXXX loans. My father was the only co-signer on the loan. 3. Impact on my credit score. In XX/XX/XXXX there was a mark on my credit score, as I was in the process of moving to another country for business another automatic debit issue occurred which I was unable to solve for two months. When I called, Navient had already put a credit mark against my account, however, it was their error in processing the payment that resulted in me not paying. The representative told me that there was nothing Navient could do to help. After these wide variety of issues occured I started to keep reference numbers out of frustration. I do still have XXXX reference numbers in order to document this. Lastly, in terms of impact, I was unable to switch to a new private loan provider after I was completed dissatisfied with the service and handling of my loans. After the last major incident in which my credit score w as affected by Navient 's error I was unable to switch to XXXX XXXX for Student Loans or XXXX , who were offering considerably lower interest rates for private student loans ( almost half what Navient charge s in interest ). This was due to the fact that I was unable to show that I had n't missed a payment due to the repeated mistakes on taking payment reflected in my. I applied at the closure of XX/XX/XXXX to XXXX and was rejected, similarly with XXXX I was also rejected. This resulted in me paying off the remaining balance on my private student loans in XX/XX/XXXX because I was anxious about any continuous marks on my credit score that might impact my life. I used every dollar I had ( including savings granted from my grandmother for a downpayment on my house ) in order to avoid this continuous pain and a nxiety around paying my student loans. Towards the end of the loan I paid them manually in order to avoid some of the pain surrounding the payment regarding the automatic debit withdrawal. Please let me know if you have any further questions or if you require any more information. Thanks and Best Regards, XXXX | ||||||
| 01/01/2018 | Yes |
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| Similar to XXXX XXXX, and in the spirit of XXXX, I believe that Navient, A.K.A. XXXX XXXX, has committed financial statement fraud by overstating its assets using canceled/rejected loans with the intent to gain economically from organizations and individuals that rely on its financial reports. -- -- -- -- -- -- I have only one co-signor and throughout the years, I have had conversations with Navient, A.K.A. XXXX XXXX, customer representatives that inform me that I have additional loans with different co-signors. When I inquire as to which co-signors they are referring to, the customer representatives usually take back their words and state that these are not XXXX XXXX loans, but say that they can still SEE them and know that they exist. I call these make-believe loans - Phantoms. These customer representatives had access to a database of information that showed them my Phantoms. As the years go by, the amounts change, the number of loans change, and the co-signors tend to change. Each co-signor mentioned was indeed a co-signor that I had attempted to utilize in the past, but each one had been rejected due to credit. On XX/XX/XXXX, a customer representative told me that I had loans with the Federal Government, two of which had co-signors, loans XXXX and XXXX. Neither XXXX XXXX nor Navient serviced my government loans and I do not have any Federal government loans with co-signors. This leads me to believe that the Phantom Promissory Notes are actually hidden within a governmental loan category. After the XXXX XXXX fiasco, I noticed that the customer representatives could no longer see the database/information page that the others previously could. Perhaps someone got smart and realized that customer representatives shouldnt be telling borrowers about their Phantom accounts. -- -- -- -- -- The other piece of the puzzle that helped me put the picture into focus are the promissory note copies I had requested. For years, I did not have copies of the promissory notes. I physically signed for only one of the eleven. The rest were approved over the phone and I expect the original notes to be in audio format. I asked for copies of the loan notes and received an envelope post-marked XX/XX/XXXX, see XXXX XXXX XXXX XXXX. I did not receive an audio tape or a flash drive with my recorded voice. Instead, I received application pages without the notes. In addition to my typed name, a 32 character code is present in place of my signature on the applications, except for the one I actually did sign for. The 32 character codes do not mean anything. They represent nothing as I had originally approved all the loans, save one, over the phone. I asked for the missing loan notes and missing pages and subsequently received another package in the mail, post-marked XX/XX/XXXX, see XXXX XXXX XXXX XXXX. This packaged still contained loan applications with missing notes and no audio copies. Applications with amounts of {$700.00}, {$2600.00}, {$1800.00}, {$9500.00}, {$6000.00}, {$22000.00} did not come with promissory notes. I also received an addendum, signed by my original co-signor, further proof that my loans were indeed approved over the phone. Curiously, both packages contained one note with a co-signor that was rejected, see PDF Rejection Co-Borrower. More importantly, I also received two ADDITIONAL promissory notes. I was confused and then I realized that the two additional notes and the note with the rejected co-borrower found in both packages are the Phantom Promissory Notes that the customer representatives kept referring to. XXXX, one of the customer service representatives, said on XX/XX/XXXX that she could see a {$14000.00} loan with a co-signor other than the original co-signor. Both the co-signor and the amount referenced by XXXX match one of the Phantom Promissory Notes. Another female representative mentioned the other co-signor on one of the other Phantoms. I should have not even received these notes because they are actually rejected/canceled applications. With this revelation, I have come to a conclusion. These Phantoms, their loan amounts, I believe are included in Navients, XXXX XXXX, or one of their related entitys assets and therefore included within the financial reports presented to their investors, hidden under the guise and protection of Federal loans. Ive attached all three Phantom Notes. -- -- -- -- - Im afraid that when Im XXXX or XXXX years old, when Im defenseless, Navient will use these false promissory notes to demand payments for disbursements that never occurred or demand the rejected co-borrowers to make payment. Im fearful that this is part of Navients business plan and partly the reason why these loans were ghosted around their customer databases. I have work experience as a loan underwriter and worked with large corporations. I recommend if an audit were to take place to find these Phantom Promissory Notes, then ALL accounts must be frozen so that the Phantom accounts can not be moved from one bucket to another. -- -- -- -- -- What I want to know from Navient, A.K.A. XXXX XXXX is the following : Is the information from my canceled/rejected loans being used to overstate assets of Navient, XXXX XXXX, or one of their related companies? Will I be asked to remit payments for loans that do not exist? Does Navient have copies of the original auditory approvals for the notes that I did not physically sign for? -- -- -- -- -- | ||||||
| 07/06/2018 | Yes |
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| Starting on XX/XX/2018 : I scheduled a bill payment to come out of my bank account for the total amount ( which at the time was XXXX ) on the loan. On XX/XX/2018 : The bank mailed the check out so that they would receive it by XX/XX/2018. On XX/XX/2018 : The check was received and cashed by a Navient office in XXXX XXXX, Pa, so I checked the website to see if the account was free and clear of all charges. To my surprise it was not. Because this was a Friday, I waited until Monday, XX/XX/2018, to call Navient to see what was going on. I was told that I needed to make a dispute letter and send in the copy of the cashed check because if the account number is not on the check then they just cash it and do nothing with it. I was also told that I should have made two different payment because the Department of Education Loan is in XXXX, Ga and the Private Loan is in XXXX XXXX, Pa. I explain to him that the website is a little hard to understand to where you should send payments and for what. He had agreed with me that yes that is the case. I did what he had said. I uploaded dispute letter and the copy of the cashed check. On XX/XX/XXXX, I called them to see if anything was done and again was met with nothing to done. They did not know where the funds were, but they were going to request a investigation so that the funds can be found and distributed accordingly. On XX/XX/XXXX, I received a call from a representative from the Private Loan. I explained to them what was going on. Again nothing has been applied to the two loans, but the matter should resolve itself within 2 to 4 business days or by XX/XX/2018. On XX/XX/2018 : I received another call from a representative of Navient ask for payment. I told them that they need to locate the funds I already submitted to them and apply it to the account. He told me I needed to just pay them what I owed them, so I hung the phone up. Later that same morning, I received another call from XXXX, another Navient representative, she was asking for payment again. I explained to her what had happened. She did her own investigation and called the Department of Education Loan to see if they had the funds so that the private loan can send a request to them and get the money applied to the account. We both were on the phone with XXXX from the Department of Education Loan. He checked his system and said he did not see any payment or had any record that any money was paid. After leaving that conversation, XXXX asked me to resend the information of the dispute letter and copy of cashed check and to add a coverletter. She said because it was Saturday to check back with them on Monday to see if they received it and what was the status. On XX/XX/XXXX, I called Navient and spoke with a XXXX XXXX. She told me that two request have been sent to find and request the funds. She said at this point all she can do is send another request. She also informed me that they were waiting for the check to clear and to call back Wednesday, XX/XX/2018. At this time, I am totally frustrated with the situation and she turned me over to her supervisor XXXX. He said the funds was at the Department of Education. Again, from the conversation with XXXX, I knew that it wasn't and tried to explain that to him. He told me not to argue with him and that knew what he was talking about. Then he proceeds to ask where did the check go, I gave him the address. He said I sent it to the wrong and address and tried to give me that right address so that I can send in another payment. I again explained to him that the amount was suppose to take care of the payment due in full. He started arguing again and I hung up on him. I called my bank to see if the check had indeed cleared. The bank representative said the not only have said check been cashed, but it has already cleared the account. Again, they did not know where the funds are. On XX/XX/2018, I called again and spoke with XXXX XXXX again. She said that the situation is still not resolved and they were still waiting for the funds to be transferred. She also said that like she told me in our earlier conversation that I need to just wait. On XX/XX/2018 : I checked my email to see a email from Navient requesting that I go to the website to take care of the payment that is overdue. I called them again and spoke with XXXX. She informed me that the funds still have not been found and were not applied to any accounts. She then said that maybe it has something to do with their corporate office, but no one was there to talk to today. I explained to her that the longer they drag their feet in solving this the loan is increasing in value. She transferred me to XXXX, her supervisor. XXXX called the Department of Education again to check to see if they have the funds again and was told they did not. I told her that I know that Navient does not care about what is going on with me because it is not them, but this is not only effecting me but my father also because he is my co-signer of my Private loan. I also explain to her that I am starting to feel that someone is walking around with my money in their pockets because it does not take this long for money to be transferred especially with the account number on the check. She said that she will give me a call back when she hear from someone in corporate office. This was around XXXX XXXX. It is now XXXX XXXX and I have not heard nothing from them yet. | ||||||
| 10/19/2019 | Yes |
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| Summary Points : 1. Navient ( student loan servicer ) provided me with erroneous information on multiple occasions indicating that I was not eligible for public service loan forgiveness ( PSLF ) ; 2. Based on the incorrect information I received from Navient, I did not pursue PSLF ; 3. I subsequently discovered Navient provided me with misinformation and that I am in fact eligible for the PSLF program ; 4. I have made 47 ( totaling nearly $ 35K ) payments on my student loans while employed by an PSLF-eligible employer, but only 9 payments have counted towards ( please see attached payment history and employment verification forms ) PSLF program goal of 120 payments. This is because Navient gave me erroneous information, steering me into a PSLF-ineligible payment plan under the faulty pretense that I am not eligible for PSLF. As it turns out, I am in fact eligible and the 47 payments I have made so far meet or exceed what I would have paid under a PSLF eligible plan ; 5. I ask that all 47 payments ( as of XX/XX/XXXX ) be accepted as qualifying payments as : ( i ) I have paid as much money as I would have under a PSLF eligible plan ; ( ii ) my loan servicer improperly maneuvered me into entering a PSLF-ineligible pay ment plan using misrepresentations ( whether intentional or not ) ; and ( iii ) all of these payments were made while I was employed full time by a PSLF-eligible employer. I am an XXXX XXXX XXXX ( XXXX ) Veteran who served in the XXXX and was XXXX to XXXX as a medic in XXXX. I served my country for many reasons, one of which was the promise of financial help with college. This was a very attractive incentive for me as I come from a family with modest means. I was the first person in my family to be awarded a professional degree and navigated the process of applying and then paying for higher education on my own. The cost of professional school easily consumed all veteran benefits available to me ( GI Bill, State and Federal Tuition assistance programs ), thus federal loans became the only path through which I could afford higher education. During my professional studies, I unexpectedly I found myself caring for my father after a XXXX attempt as well as my oldest brother after he XXXX XXXX at a XXXX XXXX and was then out on XXXX ( my brother unfortunately subsequently XXXX of an XXXX XXXX, highlighting another major catastrophe affecting our country ). I was happy to be able to support my father and brother during some difficult life circumstances but as I was myself a student at the time, this caused me to rely more heavily on federal loans, increasing my debt burden substantially. After graduation, I found myself with significant student loan debt but rather than entering a high paying job in the private sector, I chose to pursue further training in mental health pharmacy so I could go down a career path of helping veterans who have suffered worse than I. During this extra training my loan interest compounded. All of my personal and professional experiences detailed above have shaped my career path and goals and I now work with veterans who have experienced XXXX XXXX XXXX ( XXXX ) and on XXXX XXXX XXXX in an effort to combat the unfortunate XXXX XXXX that is affecting so many families across the country. I write today to draw attention to a student loan issue that affects me and so many other student loan borrowers : the mishandling and misrepresentation of the PSLF program. The PSLF guidelines state that if you are employed full time by a qualified public service employer, then you need to make 120 payments in a specific repayment program to have your loans forgiven. In theory, it is a great opportunity for those who chose to work in a public sector job ( which in many cases means foregoing the higher payments of the private sector ). The flagrantly mishandled execution of the program, has left me with a sputtering launch into my adult professional career and family life. Navient incorrectly told me that my loans were not eligible for PSLF due to a payment that I had missed in XXXX. Navient relayed this to me in XXXX. My loans were deferred from XXXX while I was conducting training, though during this time the loans still accrued interest. My original loan amount was {$760000.00}, but as of XX/XX/XXXX, I owe {$91000.00}. I have made 47 payments totaling {$34000.00} since XX/XX/XXXX with a negligible impact to the principal loan balance. All of my 47 payments have been made while employed by an eligible PSLF employer. The attached employment verification forms cover all years where payments were made. My employers include the XXXX XXXX XXXX XXXX ( XXXX XXXX ), the XXXX XXXX XXXX, and the XXXX XXXX XXXX. All of these employers are eligible for my payments to qualify under the PSLF program. As you can see in the attached information, the amounts paid in the ineligible payments are roughly the same as the amounts paid in the eligible payments. All payments consistently range between $ 600-800. The Implementation of the PSLF program needs to be reformed to make it more student friendly, aas Congress intended it to be. One way to accomplish this is to credit all payments as qualified PSLF payments that borrowers make while employed by an eligible employer. In this manner, the deceptive steering of borrowers into non-qualified payment plans can at least be attenuated, if not eliminated completely. | ||||||
| 07/26/2018 | Yes |
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| Navient violated the Employee Retirement Income Security Act of 1974 when I was told that I need to use 401K funds to meet payment obligations. In addition, Navient, in regards to student loan help, will not provide written copies of agreements that can be reviewed before approval. All of Navients help must be completed over the phone, through oral agreements, similar to prior student loan approvals with Sallie Mae, A.K.A. Navient ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... On XX/XX/XXXX, I spoke to XXXX XXXX, a Navient representative. I called Navient because I was out of a job and had issues finding a job for medical reasons. He said there are three options but one of the three, forbearance, was no longer allowed on my account. The second of the three options was a six month plan of interest only payments. I understand that interest only payments do not help my overall financial net value as I will effectively pay more money after the six month interest only payments are made. The third option is up to fifteen months of lower payments that are need based - the interest rate reduction program. There would be requirements, a soft pull of my credit, a financial statement, and if I had a co-signor, the co-signor would be involved I, however, paid off all the loans associated with a co-signor and this requirement did not apply. He stated my payment would be set between {$450.00} and {$470.00}. I had previously participated in the interest rate reduction program before, and my payments were much lower than what was quoted. Something didnt seem right and even with the stated range of payments my budget couldnt handle them. I also did not have an income. I have been unemployed since XXXX of XXXX. He disagreed that I didnt have income and said that I was living somewhere, that I was talking on the phone, food to eat, that I must have an income, XXXX said. He stated a spouse or parent must be supporting me in order for me to talk to him at that very moment. He said income is family money received, 401k. He said he can verify this information by looking at my credit report and reviewing my expense for rent, utilities, bills, groceries. XXXX explained that money my parents give me and my 401K should be used to pay Navient ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... XXXX said people would budget their savings to survive, and I said yes. I asked him if I could get a copy of needs based program to review for approval and he said NO, this help can ONLY be provided over the phone, he said. First, why would my family members be indirectly responsible for my loans? And my parents do help me with food sometimes as they had recently bought me an enchilada dinner. Am I supposed to split that dinner in half and mail it to Navient? Or, if they gave me money to buy some food to eat, would I have to take a percentage of that money, not eat enough food to survive, and mail the money to Navient? I budgeted what I had to survive, to have energy to be able to look for a job once I was better and no longer in physical pain and confined to my room ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. Most importantly, I did not know that 401K funds should be used to repay my loans. I had no idea. Since I had basically run out of reserves, I therefore, with the direction of Navient, proceeded to cash in my 401K funds and that was how I was able to make payments for the following months. That money ran out. But what XXXX XXXX, Navient, failed to inform me was that I would have to pay taxes on that 401K disbursement as well as pay a tax penalty for taking the money out. Does he or Navient understand what position that puts an individual in that does not have a job? What about my retirement? What hope now do I have in having something in retirement? The 401K was my own personal retirement fund, what little hope I had in the future, and now, what little money I had in it, is gone in addition to tax penalties ... ... ... ... ... ... ... ... .... My question to Navient is why are we supposed to cash in our retirement savings in order to meet debt obligations? Is this not a violation of the Employee Retirement Income Security Act of 1974? ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... Also, why are my family members, who help me eat and sleep and help me live through my day, be indirectly responsible for loans they did not co-sign for? Why am I supposed to send the support they give me to Navient? How am I supposed to pay Navient with a dinner plate my parents purchased for my consumption so that I could go to sleep without being hungry? ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... In addition, my legal council has told me to NEVER approve ANYTHING over the phone. I was advised to always ask for agreements IN WRITING before approving. How is it, similar to Sallie Mae, A.K.A. Navient, loan approvals, does Navient consistently require ORAL contracts as the ONLY option for loan agreements? Mind that, this particular agreement is an approval for Navient to take monies directly out of my checking account for a specific number of days.I will not participate in any oral contracts. | ||||||
| 04/18/2018 | Yes |
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| In XX/XX/ I was notified that XXXX would no longer handle my student loan and the new company would be Navient. The switch was to happen in XXXX. I received roughly 10-15 pieces of mail from Navient between XXXX and XX/XX/2017. I was a little confused as to when the change was going to take place, so I kept signing on to XXXX to monitor things. In XX/XX/2017 I made my XX/XX/XXXX payment to XXXX. I paid a bit more than the monthly payment, paying XXXX. In early XXXX, before the XXXX, I started to get calls from Navient saying I was delinquent. At this point, I had more than 25 pieces of mail from Navient, most unopened as I thought it was excessive. I opened them and found the website to sign on. I looked and saw they had me as delinquent from XXXX. They had not received the XXXX payment. I picked up the phone and spoke to a very unhelpful customer service rep who really wasnt understand what I was saying, so I asked for a manager. He told me that they were still moving payments and the payment should show up soon, and that I should pay the bill to stay out of delinquency. At that point, the bill was for 2 months instead of one. In fact, when I was with XXXX, if you overpaid your next payment due was lower. So not only was my XXXX unrecorded I would still have to make two minimum payments. Instead I waiting a week, signed on, the XXXX was not there and I called again. The customer service rep again did not understand and I spoke with another manager. This was a woman who said they would look into it. I started receiving calls daily from Navient and a company called XXXX. I was also receiving at least 5-10 pieces of mail from Navient or XXXX a week. At the end of XX/XX/2017 I called back, at this point, according to Navient I was two months delinquent and how now incurred fees as well. I spoke with another unhelpful customer service rep and asked for yet another manager. This manager told me that it is not their responsibility to look into it. I got angry hung up and called back to speak to someone else. This new manager ( i got transferred to a manager again ), told me they needed proof and that i should upload a snapshot of my bank statement prooving with the payment. I asked for a fax or an email and they said no I needed to upload it to my account. So I did. In the first week of XXXX I called again, still receiving a ton of mail, now email, and phone calls regarding my delinquency. I requested they take my phone and email out of the system and then asked for a manager. This manager said again you are delinquent, it is not their responsibility to research the missed payment, that I need to deal with XXXX In anger I hung up. I researched on line about how to get away from student loan companies and ended up calling another loan company. In speaking with them I learned that my loan can be consolidated and upon consolidation I could get away from Navient. I started to research how to do this and then around XX/XX/2017 I picked up an unrecognized number which happened to be XXXX They identified themselves as a company that helps those who can not pay their student loans. They did not inform me of there relationship with Navient, ( I only found that out today ). They told me that I should make a payment if I can and then go into forebearance and that during the forebearance I should try and consolidate with another company. On XX/XX/2017 I made a payment of XXXX ( the difference between what was owed, minus the fees, minus the XXXX they were missing. I then called Navient again and said they need to find the XXXX and take me out of forebearance. I then called XXXX ( thinking they were a separate company ), to put myself into forebearance dating back to XXXX when this all started. At the end of XXXX a sent all the paperwork in for the forebearance after seeing that the money was still not posted and re-uploaded the statement with the payment to XXXX in XXXX. When I received no call or email from XXXX regarding the forebearance, still tons of Navient mail ( unopened ), I called XXXX to find out I had filled the paperwork out wrong. In XXXX I re-filled it out and sent it. In XXXX I signed on to Navient, the money was still not there. but I was in forebearance. I did research on Navient in the meantime only to find out how horrible they are. Today XX/XX/XXXX I called XXXX to ask them who to call about consolidation to get away from Navient, only to have them say I will transfer you to Navient. I said I am calling you because I do not want to deal with Navient. They told me they are Navient. I saw a website on one of the fliers that lead me to XXXX which at first seemed like a way to get away from Navient, yet after looking closely, they seem to be part of Navient as well. I have not signed on to Navient for over a month. I have now called another lender only to be told that because I was in forebearance I could not consolidate my loan with them and that i needed three consecutive payments to my current lender, Navient, to even be considered. So I was given incorrect information. I do not have an issue with payments. Navient needs to include my XXXX payment from XXXX, removed interest accrued due to the incorrectly stated balance, remove any fees accrued due to the incorrect delinquency so that I can come out of forebearance, make 3 payments and get away from this company. | ||||||
| 03/04/2020 | Yes |
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| I attended The XXXX XXXX of California - XXXX XXXX XXXX, a California corporation XXXX The California XXXX XXXX XXXX XXXX, a California corporation ; from XX/XX/XXXX to XX/XX/XXXX. The program I originally enrolled was Fashion Design. On XX/XX/XXXX I transition into XXXXnterior Design. I was told since we are in XXXX XXXX the market for Interior Designers was better ( more job opportunities ), and I liked both so I made the change. I enrolled under the impression all the programs at the school were accredited. Then I was told by the school staff that XXXX XXXX XXXX located in XXXX XXXX had the accredited Interior Designed program, so I transferred. After I transferred I realized that the information was not correct and the program was not accredited. So I transferred back to be close to my home and my job. I was struggling working full time and trying to go to school full time. Finally on XX/XX/XXXX I finished the program under the impression I had achieved a Higher Education. In XXXX Navient wanted {$1000.00} per month, and the federal loans also demanded {$1000.00} monthly payment, I was bringing home about {$2200.00} net wages per month. I was on default for a long time on both. Finally the state was able to assist me with programs that allowed me to make payments under {$200.00} per month ( but this could change at any moment and if they decide to increase my monthly income I will be on default again ). On XX/XX/XXXX I contacted Navient ( spoke with someone named XXXX ) to see if they could work a low payment, they offer me a monthly payment of {$380.00} from XX/XX/XXXX with a final payment on XX/XX/XXXX. I explain to XXXX that I did not have that amount available every month, not even half of that. We calculated my expenses and income. I asked if I could talk to someone else to approve a lower payment and XXXX responded the only person that could approve a lower payment is my supervisor but I see that you could not pay so I know he will denied it. I asked XXXX if they offer any type of programs similar to the federal loans such as IDR, forbearance, consolidation, his answer was not for private loans. I have three private loans with Navient, as of XX/XX/XXXX : XXXX XXXX XXXX loan XXXX original principal {$16000.00}, unpaid principal {$56000.00} XXXX including capitalized interest ), current balance {$60000.00} ; XXXX XXXX XXXX loan XXXX original principal {$14000.00}, unpaid principal {$30000.00} XXXX including capitalized interest ), current balance {$31000.00} ; XXXX XXXX XXXX loan XXXX original principal {$4600.00}, unpaid principal {$8600.00} XXXX including capitalized interest ), current balance {$8900.00} ; Total Current Balance {$100000.00}. The following year XXXX XXXX ) I tried cut down some of my expenses, tried looking for cheaper rent without sacrificing my childs safety. I started driving uber but the money that I was making was for maintenance, gas and other job related expenses. At the end of XXXX I realized that I could not make the payments. As of XX/XX/XXXX I received minimum three ( 3 ) calls every day from Navient, but XXXX advised was to contact them once I could make the payment. I was told the program would cost me around $ 72K total, but because I already had an AA degree and had taken all my general education classes it would be half of that I would be finish in less time. In many instances, the financial department contact me to go to the office and explain me that the loan amount I had previously acquired was exhausted and had cover my tuition ( classes ) so far, but if I wanted to continue with my education I had apply for new loans. They told me were to apply and after I finished the application they just say if you do not get approve we will contact you. I was never told how much I was getting approve for or how the loan was distributed. After graduation I tried to work something out with the institutions to make the payments but they would not help much their answer was/is you could not settle the loan amount because no matter what you will never get the student loans discharged. I asked if I could consolidate them, their answer was no. In XXXX I paid over $ 25K private student loans to one institution. I was looking at different options to solve/fix my student loans and I came across Civil Action No. 07-461, case 2:07-cv-00461-TFM False Claims Act, 31 U.S.C. 3729-33 ( FCA ) ; California False Claim Act, Cal. Govt Code 12650 et seq., and other States. XXXX XXXX XXXX and its subsidiary corporations listed in the caption, presented and/or made numerous false claims and statements in order to obtain eligibility to participate in Title IV, HEA program from XX/XX/XXXX to late XXXX ( or later ). As stated/proven in the case file school officials made sure students enrolled and the loans ( private and federal ) were approved for their personal financial unjust enrichment. In addition, Navient, formerly known as Sallie Mae , Inc. case 3:17-cv-00101-RDM - Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its implementing regulation, Regulation V, 12 C.F.R. part 1022 ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., based on unlawful acts and practices in connection with Defendants servicing and collection of student loans. | ||||||
| 01/09/2018 | Yes |
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| On XXXX/XXXX/XXXX The following Letter was written to Navient. Navient Failed to address my complaint and did nothing to rectify the false information and lies they sent to the three credit bureaus. My Navient account is the ONLY Negative account in my credit history NAVIENT HAS WRONFULLY DAMAGED MY CREDIT FOR LIFE AND REFUSES TO REMOVE THE FALSE INFORMATION THEY HAVE PROVIDED TO THE CREDIT BUREAUS > XXXX/XXXX/XXXX Attention : Navient Debt Collection Department XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Account # XXXX This letter is a notice pursuant to Fair Debt Collection Practices Act, 15 USC 1692g 809 ( b ) that your claim is disputed and evidentiary validation is requested. COMPLAINT : NAVIENT reported falsified information to the three credit bureaus including XXXX XXXX, XXXX, and XXXX stating XXXX XXXX has been past due on an alleged loan The following dates have falsely been reported to all credit bureaus as being past due : 180 days past due as of XXXX XXXX, XXXX XXXX 150 days past due as of XXXX XXXX, XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I, XXXX XXXX claim that in XXXX of XXXX, disputed the entire original amount of a student loans serviced by Navient ( {$20000.00} ) because the debt was the direct result of fraud and misrepresentation committed by NAVIENT, Financial Aide and The Admissions Department of XXXX XXXX. In addition, even with this so called college degree funded by Navient.. .I still could n't acquire employment. The reason for my claims include, but are not limited to ( a ) the urgency of enrollment and the need to enroll immediately, ( b ) false claims about historical success in finding jobs in my field of study, ( c ) false claims regarding earnings statistics of graduates, ( d ) false claims about employment assistance the school provides, ( e ) false claims about the quality of the educational programs, ( f ) false claims about the transferability of credits, ( g ) false claims about the cost of a degree, ( h ) false claims about the value of a degree from XXXX XXXX, and ( i ) predatory and high-pressure sales tactics. Navient had sent several delinquency notices to me regarding the payments on the debt. I advised Navient that the debt is a DISPUTED DEBT and further warned Navient that if they were to report any delinquency to credit reporting agencies, that the Fair Debt Collection Practices Act requires that Navient notify the credit agency that the debt is a DISPUTED DEBT. In response to my complaint, in XXXX, Navient claimed that they would inform the credit bureaus of the disputed debt and I agreed to place the disputed debt into forbearance and defer any payments until a resolution could be made. However, NAVIENT failed to uphold to theagreement and completely and falsely reported inaccurate delinquencies to all three major credit reporting agencies ( thus affecting my credit rating to my detriment ) WITHOUT the required notice that the debt is a DISPUTED DEBT. This is a violation of Federal Law. All False claims are disputed and I demand you correct the inaccurate claims of late payments reported to the credit bureaus ... and This is a formal request for VALIDATION of the original alleged debt made pursuant to the above named Title and other relevant sections of the Fair Debt Collection Practices Act. You have 5 business days upon receipt of this letter to provide me with the following information or statements of compliance : Identify and provide copies each and every deferred payment agreement XXXX XXXX agreed to. Identify and provide copies each and every forbearance agreement XXXX XXXX agreed to. Provide actual evidence XXXX XXXX was ever late on any payment Identify the original creditor and explanation of what the alleged debt is for ; Provide COPIES of any documentation proving services or products were received, the dates services or products were purchased, and support documentation proving I, the consumer, agreed to pay for services. Provide copies of any documentation proving NAVIENT is the original and rightful owner of this debt, or purchased this debt from another party and is rightfully owner authorized or entitled to collect this debt ; Provide a Detailed Explanation of how the existing amount ( {$28000.00} ) of the alleged debt was calculated ; Indicate the date of the alleged debt for purposes of Statute of Limitations defense ; Proof that you are licensed to collect in the state of FL ; and Provide your Registered Agent contact information. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. If you have violated my rights under the Fair Debt Collection Practices Act or the Fair Credit Reporting Act, then I will not hesitate in bringing legal action regarding your civil liability under FDCPA, 15 USC 1692g 813. With the exception of providing validation for this alleged debt, this letter is also a formal written request that you stop reporting false information to : XXXX, XXXX, or XXXX credit bureaus, OR contacting me about the above account as required by the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). Your cooperation will be appreciated. Sincerely, XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX | ||||||
| 09/05/2018 | Yes |
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| I have made numerous complaints against XXXX XXXX XXXX but they never seem to address the issue at hand. The issue is as follows : they called XXXX after my sister spoke to XXXX on XX/XX/XXXX and told her not to call her again. I also called in on XX/XX/XXXX and advised them not to call me and or my sisters again. Well on XX/XX/XXXX my sister at XXXX received another call. This violated the FDCPA. Here is the letter I sent to XXXX XXXX and XXXX XXXX : Neither one of them address the issue as I have sent them phone logs as well for proof! XXXX XXXX is the guarantor of these loans while XXXX XXXX XXXX the sister company of Navient is servicing these loans. This began on XX/XX/XXXX while XXXX XXXX was servicing this loan still. While speaking to a representative on XX/XX/XXXX I had learned that this loan used to be owned by XXXX XXXX but was purchased by XXXX XXXX. After gathering the information, I needed to on that day I hung up the phone. No later than 20 minutes later I received another phone call regarding the same exact loan I had just called about. Under the FDCPA and FTC collectors are unable to contact a borrower more than once if they had already spoken to them that day. After I spoke to a supervisor I received another two calls that same day at XXXX XXXX and XXXX XXXX. So, I called back in again and the supervisor said you all do not have interfacing notes, so it was not noted I had already spoken to someone. Regardless, this violated the FDCPA and FTC in numerous ways and I requested for them to not call my cell phone again as my employer pays for it. They kindly said they will take it out of the system and it will not happen again. Well it did. I had tried to come to a compromise with XXXX XXXX, but they were not willing to do that. I am still contemplating on my next step to take with them whether it be hiring a lawyer or representing myself as I have all the call logs and communications. Now we move on to XX/XX/XXXX. XXXX XXXX XXXX is now servicing these loans. Keep in mind XXXX XXXX had given all my information to XXXX XXXX XXXX and they can clearly see that my phone number of XXXX has a ceased note on it. So, on XX/XX/XXXX they had called my sisters at the numbers of XXXX and XXXX. Bother of my sisters did not answer the phone and they left a generic message. So, my sister with the number of XXXX called back in asked who you were with and advised XXXX XXXX XXXX to not call that number again. XXXX XXXX XXXX must disclose who they are with if a 3rd party asks. My sister at the phone number of XXXX also called back in and advised XXXX the representative that answered to not call her number again. XXXX obliged and said it will not happen again. Well after learning that both of my sisters were called I called into XXXX XXXX XXXX on XX/XX/XXXX. I advised them that all of my information is correct and that my cell number of XXXX is still a ceased number and do not call. If they need to communicate they can do it through mail. Now we move on to XX/XX/XXXX. My sister at the number of XXXX got another call from XXXX XXXX XXXX. This clearly violates the FDCPA and FTC. She advised you all on XX/XX/XXXX to not call her again. I also advised you all on XX/XX/XXXX to not call me and or my sisters again. On XX/XX/XXXX I filed a formal complaint with XXXX XXXX XXXX, FDCPA, and FTC. I called in to follow up numerous times throughout the month of XXXX but received a letter on XX/XX/XXXX from XXXX XXXX with a letter in there from XXXX XXXX XXXX. So, I called in on XX/XX/XXXX and spoke to a gentleman by the name of XXXX. I inquired to see if this was still an open complaint and he advised me that it was. I advised him that the loan needs to be written off and brought to a zero balance per the numerous FDCPA violations by XXXX XXXX and by XXXX XXXX XXXX. He advised me that would not be happening. He also advised me that he had no show of me calling in on XX/XX/XXXX so I will attach those call logs from XXXX as well. He then went on to say that I had an option to enroll in the loan rehabilitation program. I advised him that would not happen. He then stated to me if I do not enroll than they would garnish my wages. XXXX can not state this to me as it violates section 807 of the FDCPA which states Debt collectors arent allowed to threaten consumers with legal actions that arent permitted. They also cant threaten them with legal actions they intend to pursue. XXXX can not state this because he has no general idea of when or how XXXX XXXX and or XXXX XXXX XXXX will garnish my wages. I have XXXX XXXX and XXXX XXXX XXXX violating the FDCPA numerous times. First XXXX XXXX contacting me more than once on the same day after I spoke to a representative, secondly calling my sister again after she spoke to XXXX and advised her not to call again as well as I did on XX/XX/XXXX. Third, XXXX stating they will garnish my wages. The main FDCPA violation is contacting my sister for a 2nd time on XX/XX/XXXX which I have the call logs on as well as the recordings from her speaking to XXXX on XX/XX/XXXX advising not to call her again. I have contacted XXXX XXXX XXXX about these FDCPA violations and they feel I have a very strong case if I want to move forward. I have not hired them so you can still deal with me at this time. Below is the option you have regarding these FDCPA violations. | ||||||
| 05/01/2022 | Yes |
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| To Whom It May Concern : Not ONCE in my years of constant contact about my student loans with Navient was I made aware of IDR. This included any time I contacted them to ask for lower payments so I could keep working away on the debt. Theyd instruct me to do another forbearance. I was NEVER informed of any of other options- early on, it was explained to me by representatives that deferment was my only option and then, when that ran out, forbearance. Id watch, dismayed, as the interest accrued to staggering proportions. All along, for years, the interest kept building and building until I now owe nearly DOUBLE what my original loan was. I am a first-generation college student, raised by a single mother at poverty level. When it came time for me to take out student loans in order to pay for higher education, I signed whatever I was told I needed to in order to attend university. I had zero adult supervision when I made these financial decisions and zero understanding of how these loans would work. I was eighteen-years-old. I am now forty-eight and it was, and remains, the biggest regret of my life and I do not say that lightly. When the time came to repay my loans, I was just starting out in my career and making very little money. Once Id used the maximum amount of deferment, Navient, gave me ONE option, as I was not making enough to meet my seemingly set-in-stone minimum payment of {$550.00} per month, and this was, and remained, forbearance. Again, they were adamant about forbearance being my only option. For years, I made the minimum payments when I was able. When I would call to see if I could make lower payments, I was ALWAYS told that another forbearance was my only option. The first Id ever heard of the IDR option was only LAST YEAR, when the utter brokenness of this system and a governmental failure to protect those who needed educational loans, was brought to light through various coalitions gaining online traction via XXXX and investigative stories ( XXXX recently, for example ) which have since gone viral and are gathering even more publicity. Again, I spent countless hours on the phone over the years- I was struggling financially but trying my best to keep my student loans from falling into default. Forbearance was, I repeat, THE ONLY OPTION I WAS GIVEN. It was strongly encouraged, in fact, by my Navient representatives. Never once was IDR mentioned for me, not ONCE in all those years. The entire time I have had these loans, not once was I informed of IDR as an option for me until a year ago, during Covid. Not informing someone of their most basic legal rights as they undertake huge, life-altering loans is so massive a failure, its unfathomable to me that this kind of malfeasance was allowed for so long. All these years I could have been paying regularly on these loans, no matter what my financial situation, by using IDR. As an eighteen-year-old, without any guidance at all from parents, I actually trusted Sallie Mae/Navient to be truthful . I truly did and I figured, the government surely must be keeping an eye on them. After all, Sallie Mae/Navient serviced so many Americans educational loans. I didnt realize that I was effectively signing my financial future away. I didnt have children or buy a house because of this crushing debt that only grows bigger each year with the astronomical interest rates. And now, I learn that this happened because of massive governmental failure to safeguard student borrowers. From XXXX XX/XX/22 Some student loan servicers have directed student loan borrowers to choose student loan forbearance over an income-driven repayment plan. As a result, these student loan borrowers have experienced higher student loan interest and higher total student loan balances. The Consumer Financial Protection Bureau ( CFPB ) and state attorneys general have sued student loan servicers for improperly steering borrowers into forbearance. As a result, borrowers in continued forbearance may have a higher likelihood of student loan delinquency or student loan default. In contrast, income-driven repayment offers borrowers who are struggling financially as low as {$0.00} a month in student loan repayment. With income-driven repayment plans such as IBR, PAYE, REPAYE and ICR, student loan borrowers pay their federal student loans based on their family size and discretionary income. As such, borrowers could pay as low as {$0.00} a month. After 20 years, student loan borrowers can get student loan forgiveness for their college student loans. From the beginning of repayment, whenever it was an option, I absolutely would have agreed to IDR. I was told my only option was forbearance. For almost twenty years now- I was essentially not informed of my rights as a borrower and to be perfectly honest, LIED to. I was lied to for years as were so many other people who relied on loans to afford higher education. And all of this happened while borrowers trusted their government to be policing what these servicers were doing. I ask that you answer this systemic failure and corporate malfeasance with decency and fairness and help me rectify this awful situation. Given the severity of Navient 's transgressions against its poorest, most vulnerable borrowers, I believe that full student loan forgiveness is warranted here. Thank you. | ||||||
| 07/06/2017 | Yes |
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Web | Servicemember |
| First of all, thank you, CFPB, for adding the designation " Fraudulent Loan '' as one of the options for filling out a complaint. As previously indicated in my XX/XX/XXXX complaint ( CFPB # XXXX ), I did not have a student loan. XXXX XXXX XXXX, XXXX issued a fraudulent Administrative Wage Garnishment to my place of employment ; they do not have the legal authority to do this. They claimed that they were acting as an agent for XXXX XXXX. It took several months to receive this information. At first, they would n't state who they were collecting on behalf of, and both XXXX XXXX XXXX and my workplace did not provide me with any documentation. Upon being told of XXXX XXXX, I contacted the number. The number was actually for Navient. I then filed a complaint against Navient ( number referenced above ), and via the CFPB portal, Navient had the audacity to provide me with a fillable PDF as my supposed Master Promissory Note. The information is so fake that it does n't even have my actual, legal name. Every single line on the form has inaccurate information. In the CFPB response, Navient claimed that they were acting on behalf of XXXX XXXX, and that I needed to contact XXXX XXXX. The number provided was again for Navient. I have had multiple recorded telephone conversations with Navient, and they continue to claim that they are speaking directly with XXXX XXXX and operating on their behalf. As you are aware, XXXX XXXX is actually XXXX XXXX and has undergone a name change. They clearly list on their website that any student loans are being serviced by XXXX XXXX. I never had any loans with XXXX XXXX, Navient, XXXX, or any other entity. I do not owe any monies to XXXX XXXX, Navient, XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX I contacted my college about this, and they referred me to two government sites myeddebt.ed.gov and studentloans.gov. Both sites verify that I did not obtain student loans to attend the XXXX XXXX XXXX. In addition, they reveal that I did not have any form of student loan documentation at all, including loan counseling, which would have needed to occur. Navient then mailed me a fake loan exit counseling form. It has all initials for the first names, and these are made up names. My name is not shared by any other family members ( parents and in-laws ), so the lies are extremely blatant. It also lists workplaces, such as XXXX 'XXXX and XXXX XXXX, which did n't exist during the time I went to school, and I have never known anyone who works at such places. Further, it lists the wrong residence for me, in addition to not listing my actual legal name. To me, the most egregious error is providing a fillable Master Promissory Note PDF. During the time I attended college ( XXXX ), there was n't the ability to email fillable PDF forms. I am entitled to the original document and there should at least be a " true and correct copy '' ; the fact that Navient thinks it can just fill in the information and send it as a changeable file is appalling. After complaining about this, Navient then sent me a second MPN in the mail via USPS. This MPN is different than the one provided online via the CFPB portal. It is also fake, and the fact that there are now two reveals that Navient is literally creating these documents in the modern era. In the case of the mailed document, Navient has placed an " 8 '' symbol where a checkmark should be ; that would n't have been possible in XXXX. In a recorded conversation with XXXX XXXX, the Customer Advocate for Navient, I repeatedly requested the number for XXXX XXXX. At the end of the conversation, she admitted that she had been the individual to respond to the XX/XX/XXXX CFPB complaint and that she had provided me with the XXXX number, claiming it was XXXX XXXX, when, in fact, it was Navient. I requested the number again ; she claimed there was no XXXX number and gave me : XXXX. That number is also Navient. After providing proof of such, I was then referred to a new Customer Advocate, XXXX XXXX. XXXX XXXX similarly continues to claim that XXXX XXXX exists, but similarly provides contact information for Navient. Navient is clearly fraudulently representing itself as XXXX XXXX. It is claiming guarantor status, when it does not have that status, and it is actively fabricating fake Master Promissory Notes and other loan documents, such as exit counseling documents. In the recorded conversation, XXXX XXXX claimed that it had to be the XXXX XXXX XXXX who did this. So, Navient is also openly and actively defaming colleges and then attempting to collect money not owed to Navient. In addition to these problems, Navient has tried to claim that they can collect on loans that the Federal Government has already said they can not collect on. In the CFPB complaint response, Navient states that three loans are uninsured and not able to be defaulted. That is because these loans from before XX/XX/XXXX were PAID. Navient has been told this repeatedly, and yet, they are still contacting me about something they have been expressly forbidden from harassing me about. I want to be part of the class action against Navient. They have wasted seven months of my life. I have had communication from them at least every two days for the last seven months, and they will not cease and desist, even though they have been sent a Notice of Intent to Sue. | ||||||
| 02/05/2019 | Yes |
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| I had to select what I did in the describe selection although it is not the problem. Need to reference Complaint XXXX which I just happen to have had to reset my password and check back and found out it was closed with a response from the Company Sallie Mae.. They have tried to hide the fact that I was not disclose in anyway when they Scared me into printing out and signing a consolidation loan. They did not disclose that there was Verbiage in that Consolidation. that would later actually few month later that I would blocked my loan being paid off by Third Party Financial Institutions that where now allowed to Buy out Federal Student loans being Serviced by Sallie Mae. All my calls where recorded and Sallie mae heard from me alot throughout my loan cycle also the Ombudsman Group open a case on my behalf and there are recording with them too. Case XXXX the response that I have just finished reading is dodging the main problem? which was that they Deceived me when they pressured me to sign a consolidation Loan or go into Default Lets go the the Audio that they have and are required to acount for as they are a collection agency and practice that law which Im sure glad that they did. but will they ver release those conversations as well and all the emails I had wrote them as well as all the faxes that went there way before the Internet and email was even Known. Like I have mentioned here the Ombudsman Group have been fairly Informed of my Complaint and I have also reached out to the CFPB working on -- -- -- -- -- -- >>> Case XXXX Document 1 Filed XX/XX/XXXX Page 1 of 66 Respectfully submitted, XXXX XXXX Enforcement Director XXXX XXXX Deputy Enforcement Director XXXX XXXX Assistant Deputy Enforcement Director _/s/ XXXX XXXX_________ XXXX XXXX, CA XXXX ( Email : XXXX ) ( Phone : XXXX ) XXXX XXXX, DC XXXX ( Email : XXXX ) ( Phone : XXXX ) Enforcement Attorneys Attorneys for Plaintiff Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Fax : ( XXXX ) XXXX Waiting to hear back from this Department so that they can assit me tell my story and show how these people steered me into there Servicing Jail with no way to get out of later when the laws where changed that permitted 3rd Party Lenders to buy out our loand if we where un happy with our servicers which in my case I was in the process of doing after I had to heard to many excuses from Sallie mae with them Losing my faxed document for Forbarnces Late fee, Penalties and a slew of other things that had raised my concerns there practices this was before they consolidated my loan all the while not disclosing of what they where really trying to accomplish. Looking back this whole time it is my Thoughts that these folks knew about the impending bad reputation they had and the fact that alot of us after researching who these people where and what they where doing to all of us that there was many like myself who knew that Sallie Mae had been taking us to the cleaners with all sort of fees and Interest and just about anything that they could. I Urge that someone from the CFPB contact me as I will make it real clear what was done to me. and as I told Sallie Mae/ Navient Years ago when I found out about this Deceit and Deliberate actions anything that has taken place on my loan after this consolidation is Null an Void Period I did not sign that Consolidation with all the facts an actually was more as a Rush or your going to be going into default that's what they pushed over me Default got me to sign it saying that by combining my 2 small loans it would be easier to handle. My interest rates would go down and I would avoid defaulting. Never was there any mention that there was a clause that would come to do stop me from paying off my loan in full with the options that opened up for in in the near future. I look forward to seeing the day that I get this imprisonment be over and that given justice to this Deliberate and Un just practice with my Student loan. I accept what I owe the XXXX up until this consolidation loan was perpetrated against me. as of that date anything that has occured is Null and Void. I ask the CFPB to keep this New Complaint and its association with # XXXX I look forward to getting help with Court orders for retrieving all information that I an the Ombudsman Group have asked for, But now I need a Court Order even though I have them on my own recorded line Both Sallie Mae and Ombudsman group and everyone agreed that if I submitted a letter to the address I was provided asking for all those Audio recordings from XXXX - XXXX Emails and Faxed letters and Forbarnaces which also had handwriting from me.. way before Emails was even a thought about. They agreed on our Phone conversation and made it clear what I wanted and what was going to be asked again in the letter they wanted me to write them asking for it .. after no Response several month later I reached back out to Ombudsman group and we called again after I Told my case worker about how I called them and they where no telling me I would need a court order to get any of the Correspondence, Faxes, Emails, and Audios. Please reopen my Complaint and if you need to tie this information with the XXXX so be it .. or better yet lets hope I can speak to someone who is working on XXXX XXXX XXXX Thank you | ||||||
| 02/13/2018 | Yes |
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I noticed in your lawsuit against Navient, that the allegations did not include a situation such as mine, and despite that, as you'll see, my situation has escalated to a point that may put me in a poverty/homeless situation.
My student loans had been with XXXX-XXXX for almost ten years, and because my payments were affordable ( $ XXXX/month ), and payment was easy and straight forward, I easily made my payments on time each month - without fail - for the duration of my time with XXXX. In XX/XX/XXXX or XX/XX/XXXX, when logging in to XXXX to make my payment, I kept being told that my account was being transferred to Navient, and there was a URL to the Navient site that described the transition. Then I started getting emails from Navient saying " it's coming '' etc. The emails, and landing page about the transition looked similar to this : https : //www.navient.com/XXXX though I will say that back in XX/XX/XXXX, I remember there being slightly more vague information.
Regardless, for three months straight I was unable to make my monthly payment on both the XXXX site, and this landing page. Back in XX/XX/XXXX, no matter where I looked, there were zero instructions about creating a new account, setting up my account, etc. I checked my email, and I got zero correspondence after the XX/XX/XXXX " it's coming '' email, until XX/XX/XXXX, where I was now told there were issues with my account that needed to be resolved ( being past due ). Even if the verbiage on the current transition landing page were accurate vs. what was on it back then, why did I receive no emails from them stating I could now register to make payments? The XX/XX/XXXX email was sent from " XXXX XXXX - Navient |
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| 05/10/2017 | Yes |
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| I called on XX/XX/XXXX spoke with XXXX. Was told how to go about applying for an IBR plan. was given the forms and the fax number directly from Navient. Was told that because I was the primary account holder ( my ssn ) that my ex husband 's tax information was not needed. Submitted all paperwork via fax XX/XX/XXXX. Fax went through successfully. I called XX/XX/XXXX. Spoke with XXXX, ID # XXXX. Was told that the fax number I was given was incorrect and it was faxed to the wrong department and had to get transferred to get processed and that 's what was taking so long. Was also told that my ex husband 's tax information WAS necessary with the application. Was given the same fax number to send his tax information to. He faxed it in ( even though Navient has all of it on file for his loan forgiveness for his private loans ). Called again on XX/XX/XXXX and spoke with XXXX, ID # XXXX. Was told he could n't find the application at all and it was probably because I was faxing it to the wrong location. He gave me a different fax #. I refaxed everything to the new fax number and my ex re-faxed his pay stub/income info to the fax number as well. Called again on XX/XX/XXXX and spoke with XXXX, ID # XXXX. Was told my payment was 16 days late and that there was no application on file. I asked to speak to a supervisor. Spoke with XXXX, ID # XXXX. She said she would submit a ticket to figure out where my application had gone. I asked to speak to her supervisor as I did not want a " ticket '' created to find my application when I 'd had multiple people on multiple phone calls already view my sent application in the system. Was transferred to XXXX supervisor, put on hold and disconnected after 10 minutes on hold. Called again on XX/XX/XXXX and spoke with XXXX, ID # XXXX. Was given the direct number to Dept of Ed. Said they could n't see my application last time because I was calling the wrong number and the computers do n't apparently communicate with each other in the various departments. That 's ridiculous. Transferred to XXXX, ID # XXXX. She stated that they had our application on file and had everything they needed and told me that she would have the IBR process expedited and brought current within 48 hours. XX/XX/XXXX I went online and my account information had changed without any correspondence from Navient. I now had a small amount due by XX/XX/XXXX with no explanation so I called in. Spoke with XXXX, ID # XXXX. He said those were late payment charges from years ago and that the IBR was still being processed. XX/XX/XXXX called in and spoke with XXXX, ID # XXXX asking where we were at in the IBR application process. She stated she needed to transfer me, put me on hold and I was on hold for an hour before I hung up to try again at a later time. Received a mailing saying that payments of {$550.00} would be due starting XX/XX/XXXX with absolutely NO correspondence on what the payments were reflecting, if they were a part of the IBR plan we had applied for or what? Called in XX/XX/XXXX and spoke with XXXX, ID # XXXX. He stated that he could not see an application for IBR plan but that the payments due he was seeing were part of a Graduated Repayment Plan. I have never applied for a GRP. He said he could see on his end that on XX/XX/XXXX the application for IBR was denied because my ex spouse income info was not made available. He transferred me to Dept of Ed, was on hold for 45 minutes, had to hang up. Called back on XX/XX/XXXX at XXXX and spoke with XXXX, ID # XXXX. He checked the files all the way back to XX/XX/XXXX and said the application was denied after I spoke with XXXX because they could n't see my ex-spouses income information. Shortly after that, the income info came in and they submitted for re-processing. I was told that processing takes 10-15 business days. When I informed XXXX that today marks the XXXX business day ( not to mention that XXXX told me it would only take 48 hours ) I was told a standard " I 'm sorry you are experiencing this '' XXXX. He told me he would transfer me to a specialist to have my application expedited. I was on hold for 12 minutes. Had to hang up and recalled. Called back at XXXX,XX/XX/XXXX. Spoke with XXXX, ID # XXXX. She put me on hold to talk to Dept of Ed and was on hold for XXXX minutes before the call got disconnected. Called back at XXXX,XX/XX/XXXX. Spoke to XXXX, ID # XXXX. Was told that my ex spouse was sent another copy of the application and asked to resubmit it because the first one was not " read-able. '' This is the first I 've heard of this and I have the copy that was sent it. It is most assuredly read-able. But ... I told XXXX I would re-send the form in and asked her specifically if this was the ONLY piece of information that was missing. I specifically asked " do you have my application, my tax info, and my ex husbands tax info on file? All you need is for us to re-submit his application? '' She stated, yes. I asked her to verify the fax number that the application needed to be sent to. I read it back to her to make sure I had it correct. The fax went through. We shall see what happens the next time I call. It 's ridiculous that I can call four times in a span of 2 hours and be told something completely different every single time. | ||||||
| 05/22/2017 | Yes |
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| Today, I received an automated email from Navient indicating that a new loan document had posted to my account. When I logged on to my account and viewed the loan documen t ( t itled " Statement '' and dated XXXX ), it indicated that I had a Past Due Amount of {$540.00} and a Late Fee for Past Due Amount of {$27.00}. TheCurrent Amount Due i s $ XXXX .My Account Summary online shows the same. I am currently in the Rate Reduction Program . In this Program, Navient automatically withdraws {$620.00} from my checking account every month. This withdrawal usually occurs on or around the XXXX of every month. However, on the XXXX of this month, I requested that my due date be moved to the XXXX ( today ). This request was approved and processed by a Navient representative over the phone. When I called Navient today, the representative immediately informed me that he was looking at my account and could see that I had a past due amount and owed a total of {$1100.00}. When I explained to him that I am in the Rate Reduction Program and Navient automatically withdraws payment from my account on the due date ( so there should be no reason that I have a past due amount ), he transferred me to the Rate Reduction Program 's line. The young lady I spoke to first told me that there is no past due amount or late fees. I explained that I received an online document stating that there was, and my Account Summary online showed the same. I also explained that the Navient representative that transferred me to her mentioned that I had the past due amount. She then stated that my payment is only a few days past the due date of the XXXX , so the late fees wo n't hurt anything. I revealed that I had my due date moved to the XXXX , which is today, so my payment should not be past due. She confirmed that my payment will be withdrawn today, but added that my payment was " technically '' past due. I admitted to her that I did not understand how that could be because today is my due date and the payment is being withdrawn today. She elaborated that there must have been a misunderstanding when I initially requested that my due date be changed because the representative processed the request as if my payment date was changed. In other words, it was like I was justcalling to giveNavient the heads-up that I wanted my payment to be withdrawn late. Huh? Who does that? Why would I take the time to call Navient to let them know that I want to incur a past due amount and late fees?! I was calling to have my due date moved so that payment can be withdrawn on a later date WITHOUT incurring late fees and a past due amount! The young lady concluded by telling me that the payment will be withdrawn today and the late fees and past due amount shown on my account will go away. My concern is that the late fees and past due amount have already been logged into Navient 's system and I know enough to know, from past mistakes by Navient, that outreach calls by Navient representatives will start very shortly in order to demand this perceived past due amount. These outreach calls will not be made to me ( which is bizarre ), but to my mother because she co-signed one of the loans I have with Navient. I would like someone to look into why my request to change my due date was not handled correctly. Why was my request interpreted as simply a heads-up as opposed to an actual due date change? Why do representatives in the Rate Reduction Program believe that there are no late fees ( as this is what the young lady in the Rate Reduction Program initially stated to me ), while Navient representatives believe there are late fees and past due amounts? More importantly, why is any of this showing up on my account? If I moved my due date from XXXX XXXX to XXXX XXXX then, on the XXXX , the Navient system should not read that my account is past due. Navient should interpret the due date change for what it is, and withdraw the money on the XXXX without any late fees or past due amounts being applied. What 's the point of the due date change if Navient is going to keep the due date in place and charge fees and past due amounts. Seems deceptive. I also want to note that on XXXX XXXX XXXX , a notice was posted to my account that Navient had erroneously applied late fees to my account, but had removed them once realizing the error. Additionally, on or around XX/XX/XXXX it applied a past due amount and late fees to my account even after automatically withdrawing the amount due. That occurrence was not preceded by me requesting a due date change. Navient just arbitrarily removed my accounts from the Rate Reduction Program ( wh ich applies a lower interest rate ) a nd applied a higher interest rate, which made it appear as if the amount that was withdrawn from my account was not enough to cover the amount due. It took weeks to get Navient to correct its error back then. Now, here we are again with a very similar issue, but I am not willing to give Navient weeks to correct its error this time. Navient is clearly having continuous problems with erroneously adding late fees to accounts and should be investigated.This is a clear mishandling of student loan accounts. | ||||||
| 04/07/2018 | Yes |
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| My goal is to come to a resolution in which I can continue to pay off student loans and still live comfortably while trying to advance in my career. Below I have listed a few issues Ive come across with Navient, while trying to figure out a payment plan that works for with my current financial situation. Cosigner Issues I have no communication with or relationship to the cosigner ( she is my ex-boyfriends mom ) - One of my main goals is to release cosigner from loan. Navient will not allow me to release cosigner. In order to remove a cosigner from my Navient loan, I will need to make 12 month consecutive, on-time payments. Ive been paying interest only payments towards my loans ever since I started school ( the whole time I was in school, as well, because Navient would not allow me to defer them ). These payments do not count towards the 12 month consecutive payments. Because I could not remove the cosigner, she was required to give her financial statement to Navient. When Navient received her financial statement, they said that she was more than capable of making the loan payment, leaving me with an extremely high monthly rate, which I can not afford. The cosigner is unwilling to pay for the loan due to us not having a relationship. Because I am unable to pay and cosigner is unwilling, this is putting me in a position where I will have negative disposable income or I will default on my loans, thus ruining the credit score I have been continually improving. The cosigner also wants to be removed from loan. Navient Issues I reached out to Navient while my loan was still in forbearance to try to work out a resolution prior to due date. Navient needed my financial statement to see if theyd be able to lower my private loan rate. One of the representatives I spoke with offered an extended XXXX repayment plan that lowered my interest rate to 3 % - 30 year repayment plan at {$270.00} ( current rate is over {$800.00} a month ). I am very comfortable with this rate and am more than willing to pay. Cosigner needed to provide financial statement in order for me to be considered for this plan. Throughout my experience trying to find a resolution, I needed to consistently follow up with Navient in order to get anywhere. I felt as though I was being strung along. Because I did not receive any type of resolution from Navient, I reached out to their formal Customer Advocate department. I was finally able to get someone to reach out - she advised not to do anything with my account until she was able to come to a resolution. She had mentioned she would get back to me once she got more information about my account and could speak with upper management ( I have more information about specificities if needed ). The advocate I spoke with specifically mentioned not to do anything with the payment until she heard back ( as mentioned above ). Because of this, I did not make the payment, nor could I at the rate they required anyways, and now I could risk lowering my credit score due to being delinquent. I also needed to call back into Navient because I never heard back from the advocate - they had no notes that I had ever been in contact with the customer advocate and they had denied my request to lower payments. Financial/Credit Issues Breakdown of current finances : Monthly income : {$2200.00} Total Monthly Bills : {$2200.00} Rent : {$600.00} Phone : {$60.00} Credit Cards : {$100.00} Groceries : {$400.00} Misc : {$50.00} Transportation : {$200.00} Private loan : {$870.00} ( paying this would put me in a negative disposable income. Federal loans are also coming due end of XX/XX/XXXX ) Throughout the last two years, I have been working to increase my credit score by paying off all of my credit cards through a debt management program. Only options to refinance would be through another company. Most of the refinancing companies require a XXXX minimum credit score - Unfortunately mine is just shy of that. Thus far, I have not been able to get approved for a refinance option elsewhere. From my experiences, I do not want to get into the same position by needing a cosigner. Career/Life Advancement Currently, I am working as an account manager, with a fairly low ceiling of increasing my income. Now, my plan for the end of the year is to advance my career by attending a three month, full immersive program to become a XXXX XXXX XXXX ( which has median income of {$88000.00} ). The end goal is to transition into this career, which has a much higher average income. During this three month program, I will not have any source of income to pay this high monthly payment, unless, of course, I can get it reduced. This extremely high payment is preventing me from progressing in my career, in turn, preventing me from even progressing in paying off my loans. End goal : I want to come to a resolution that works best for me, as I am the only one who is trying to move forward on this. I can not rely on my cosigner to pay the loan, and Navient has not been cooperative or helpful in trying to resolve the issue. Because of the aforementioned circumstances, Im reaching out to you to help me make the smartest financial decision and come up with a fair resolution based off of my financial situation. | ||||||
| 01/23/2019 | Yes |
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Web | Servicemember |
| I recently discovered issues with my Federal Loans handled by Navient. I did not know of the issues with Navient until my bank alerted me to issues while trying to buy a house. I looked into the situation ; discovering Navient is facing current lawsuits for similar situations to the way they have handled my account. My loans were originally handled by Sallie Mae, then by Navient. I setup auto pay with Sallie Mae, then had to re-setup my auto payments with Navient. From what was communicated to me ( via paperwork and online ), when I setup Autopay, I understood that I was paying extra each month, to be applied towards the principle. I only ever received simplified information. It consistently stated my minimum payment amount as around {$400.00} ; I was paying almost 2x that. IE My paper work received states : " You have {$400.00} due XX/XX/19 '' and " Total Payent Due {$400.00} '' and " enrolled in Auto Pay. {$830.00} will be debited from the designated bank account by XX/XX/19 '' My bank alerted me, from the detailed information that they could see ( that I do not have access to online ), that something weird was going on and it was keeping me from being approved to buy a house. My principle was moving much slower than the amount of money I have been paying. I typically only sign into my online account a few times a year. Since the last time I checked my account, the options had changed. There are now new, difficult to find choice settings with confusing verbage of how payments are to be applied. On my account, an apparently default choice had been made, without my knowledge or confirmation, that I was pre-paying my bill, pushing due dates back ; NOT PAYING down the principle. I had to call to discuss and clarify what these settings meant and to clarify that I my extra funds are NOT paying down the principle, they are just 'pushing back ' the due date. IE I could not pay for several months since I am 'ahead ' of my payments now. It was indicated to me that. I had to work hard on the phone to pin down the representative to use clear and simple layman 's terms. He kept repeating the confusion verbage for the options posted on the website. I had to keep pressing the matter to get confirmation and make sure I understood. After 5 or 6 tries, He eventually confirmed what I have written here with simple and clear statements. I was never alerted to, or confirmed my choice of the below situation. IE : For the website to adjust how over payment is handled. You have to go to Dashboard>Profile>Edit Profile>Overpayment Directions " Billing Direction '' " No, Advance my due date by the number of payments I cover. Even if you have XXXX amount due on your billing statement, continuing to make payments will reduce your total cost of borrowing. '' OR " Yes, Bill me for my full monthly payment. You will be required to make a full monthly payment with your next billing statement. '' My setting was the 1st choice ( No, Advance [ ... ] reduce total cost of borrowing ). This PUSHES BACK the due date AKA Pre-pays the next bill. It does not pay down the principle as intended. I did not make this choice. I had setup originally and assumed it was continuing, before the software was setup this way, that my overpayment was almost 2x my minimum and that it was all going towards the principle. 1 ) Misallocated payments - Contrary to what I originally setup, the settings had been changed without my knowledge or confirmation to pay the extra towards future payments ( 'pushing back the due date ' ) vs paying on the principle 2 ) Change in minimum Payment - My higher, extra payment that I had originally set at almost 3x the minimum originally with Auto Pay, according to the staff via phone, is now my REQUIRED level of payment.The representative told me there was no way to adjust this. 3 ) Change in Settings - Without my knowledge or confirmation, what I had setup through Auto Pay had been CHANGED to a 'default ' settings at some point. 4 ) Misinformation or Unclear Information - Provided convoluted explanations and unclear information about settings, how to make changes, and how to enroll in income-driven repayment plans. When asked via phone how to change Auto Pay level, I was told that the [ new ] minimum could not be adjusted. Paper work received made it look like I was overpaying and that the amount would go towards principle vs pushing the payment dates back. 5 ) Lack of documentation - Navient has not sent me anything in writing reflecting ANY of the situations I have reported above. All I see / have seen is a minimum amount due, my over payment almost 2x that amount, the remaining principle, and the interest. When I demanded documentation reflecting the current policies and how the money is being applied, the representative told me that it would be provided immediately and would arrive within 48 hours ; as if this is a standard procedure to address this repeated situation. 6 ) Lack of Updates - I was not aware of my options. I did not receive any updates about programs and services that would improve my situation and/or reduce my monthly payment burden. Through this process I have discovered that I am eligible for several programs that would have benefitted me in multiple areas. | ||||||
| 11/24/2017 | Yes |
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| There is a culmination of factors playing a part in the submission of this complaint for Navients handling of my private loans. Several months ago, after learning of the closure of the institution for which I attended a few years back ( XXXX XXXX ) and the practices for which it was closed, I elected to look into my loans being maintained by Navient ( formally XXXX XXXX ). While working with the US department of Education, I mistakenly thought all loans were being reviewed by the same company. At the beginning stages of my dealing with the US Department of Education, I was still receiving emails and mail correspondence for the loans being delinquent. Once, I realized my error, I reached out to Navient to postpone the payment or work with the payment as mentioned in several correspondences from Navient ( documents labeled # 1 will show the at least 7 documents offering assistance ). However, when I reached out to Navient on XX/XX/XXXX, I spoke with a customer representative who then placed her supervisor on the phone. I mentioned the emails and letters only to be told that the private loans were not eligible. I again mentioned the correspondence and how the company falsified was what being offered if they were not willing to work with us. The supervisor for Navient stated that the account could only be postponed for a month. I requested to review the terms and conditions prior to agreeing and was told no. I would only be allowed to review the terms upon agreeing to enter into the agreement. After reiterating that no I would not agree to terms I could not read, the supervisor then threatened that if I did not catch it up by the end of XXXX that it would go to further collections. On XX/XX/XXXX, I received a letter explaining what a voluntary forbearance was ( labeled # 2 ) not what the exact terms would be for my loan as requested. After receiving additional documents, I felt it would be in my best interest to request additional information on the debt being collected. Navient sent four additional documents via email and mail stating that I had until the end of XXXX to communicate with them. However, there are two different dates with no consistency to follow ( these documents are labeled # 3 ). The letter drafted by me ( labeled # 4 ) was sent certified mail and was received XX/XX/XXXX at XXXX. Then letter clearly requests information from Navient, which was never received. The only documentation sent to me in response the dispute letter was in reference to my credit ( these documents are labeled # 5 ). Following correspondence was received in XX/XX/XXXX for notice of Default and again with another offer for a repayment plan ( these documents are labeled # 6 ) all of which do not address the information that was requested. Finally, on XX/XX/XXXX, I received a Notice of Intent to Litigate in the mail ( this document is labeled # 7 ). This supposed intent letter was sent in a XXXX style envelope that resembles a piece of junk mail. If I had not opened the envelope regardless of the look, I would not have received this letter. This type of correspondence is in violation of the FDCPA laws, at no time is ok to be deceptive in collecting a debt. I reached out to the CFPB to gather information on filing a complaint. I also reached out to Navient to let them know of the letter received and its violation of the FDCPA. I called and left a message with a girl on XX/XX/XXXX. I received a called from XXXX at XXXX phone number XXXX on XX/XX/XXXX, in reference to our communication with the office on XX/XX/XXXX. I advised XXXX of our intent to file a CFPB complaint in regards to the handling of our account on behalf of Navient. I informed XXXX during our call that the Intent to Litigate was mailed in a XXXX style envelope and had the appearance of junk mail. The envelope was considered deceptive in appearance and breaks UDAPP and FDCPA law and regulations. During the conversation, I also advised XXXX of other practices for which the company has violate our rights as a consumer. Upon, XXXX inquiry as to what was violated, I informed him of the Dispute of Validity of Debt Letter that was sent via certified mail and signed for XX/XX/XXXX at XXXX. XXXX confirmed the retrieval of the letter mentioned in the conversation. The letter was signed for XX/XX/XXXX and yet as of XX/XX/XXXX the requests on the letter have not been acknowledge or worked on until this call was made. XXXX stated that he will place a request for a copy of the promissory notes to be sent out to us. I informed XXXX that I wanted the contract not the promissory note. He stated that it was the same thing, again I informed him I wanted a copy of the fully executed contract so that I could review the validity of the debt. At no time has Navient been able to provide evidence that this debt it valid or provided the information requested. Navient continues to report to my credit and not as disputed so that I can investigate these loans. The main complaint is on the deceptive practice in both mailings and offerings to me as the consumer. The threats that were not followed through as it is unclear their exact intent with the varying letters and emails stating different steps for which the account sits. | ||||||
| 09/25/2017 | Yes |
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| I am writing to you today because I have exhausted all other options, and as CFPB I thought you may have the resources available to help me, or at the least point me in the right direction. On XX/XX/XXXX I was served in hand by a Sheriff a Writ of Summons to appear in XXXX County Court on XX/XX/XXXX for a Breach of Contract with Navient XXXX XXXX XXXX XXXX. This is for falling delinquint on financially crippling student loans, and unfortunately there is no pro bono legal program available to help me with this because no one in the state legal assistance offers help with student loan debt. I arrived at XXXX College an aspiring restaurant owner in XXXX, I was told the loan would be no problem for me what so ever and the payments would be so low I would hardly notice them. Not only that but XXXX offered FREE job placement for life. Reluctant as I was ; I agreed and whole heartedly signed my life away to XXXX XXXX in the sum of approximately {$59000.00}. I studied hard while enrolled, and graduated in XXXX on the Deans list. Two short months later XXXX closed its doors forever. The first thing I noticed was that the laptop I had purchased from XXXX with a lifetime IT support crashed and there was no one to call. Faithfully I made payments to XXXX XXXX in the sum of {$500.00} per month even though the minimum was {$240.00} per month and not scheduled to start for another 4 months. I was so enthusiastic and full of hope of a good paying job with my new earned credentials. I could never find a job in my field that paid more than {$13.00} per hour and the student loan payments were very difficult for me to pay but I continued to pay them. Many times I was unemployed and would have greatly benefited from XXXX promised Lifetime Job Placement program which was available when I signed these loans. But faithfully I continued to pay that payment. In XXXX I contacted XXXX XXXX and asked that my payments be deferred for one year because I was having a baby and could no longer make my payments. They deferred my payments for one year for a fee which was added onto the principle. After sometime I contacted sallie mae to discuss repayment options. At this time the minimum payment due had gone up to {$400.00} per month. I contacted a non profit company thats premise was to consolidate and lower student loans. I paid this company {$600.00} for their services. They entered me into a rehab program for two years and the money was automatically withdrawn from my checking account each month. At this time Sallie mae promised me that if I paid on time every month for two years they could remove my co-signer from my loan. Two years later after complying with their demands and paying {$400.00} per month I was told I could not remove my co-signer because my credit wasnt good enough and that the {$400.00} per month that I had been paying was interest only and that I should have been paying {$1100.00} per month. Also, unbenounced to me this was for my FEDERAL loans only. So every month I was paying {$400.00} per month they were tacking on late fees to my principle. At this time the interest on my private student loans is 13.5 % and the estimated payback is {$100000.00}. I make work 40 hours a week at a non profit XXXX center. I work additional hours at work volunteering so my work will cover the cost of my health insurance because Im not eligible for assistance through the state because my income is too high. My sons father XXXX XXXX in XX/XX/XXXX and I receive social security for raising my XXXX XXXX XXXX son. My income each month is {$1900.00} Rent : XXXX XXXX : XXXX XXXX XXXX : XXXX Car : XXXX Insurance:XXXX Private School : XXXX Cell phone : XXXX At the end of each month I have {$240.00} remaining to provide food and heat for my child, buy gas for my vehicle. I have a XXXX XXXX XXXX child and we are not eligible for food stamps. Often I get free food from work and feed him going hungry myself. We have plenty of free healthy food for my son and I can assure you that he is well taken care of. Please tell me what can be done to help me. Ive exhausted and become quite versed in the terms forbearance, interest bearing, capital interest and finally delinquency. So I ask you, is it ethical for a XXXX year old single mother that graduated on the deans list to be financially crippled in student loan debt to the point that I now need to miss work to appear in court for a payment it is impossible to make. I also feel it is completely unfair that XXXX made empty promises when they wanted the money and now are no where to be found. I will anticipate your speedy response. You can reach me at XXXX or email at XXXX or my work number is XXXX any help you can provide is well appreciated. Unfortunately I believe I have somehow fallen between the cracks of a weird system. I make too much money to be eligible for any assistance but dont make enough to obviously afford {$1100.00} per month paying for what I believe is a SCAM. Now XXXX XXXX is owened by Navient and I cant get my payment history. PS : unfortunately, it is nearly impossible to get in touch with your office during the work day. Im sure I am not the first person to tell you that. Thank you, XXXX XXXX XXXX | ||||||
| 02/21/2018 | Yes |
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| This complaint is regarding loans made with XXXX XXXX and serviced by Navient when I intended to attend the XXXX XXXX XXXX XXXX. I deferred one year to pursue XXXX work opportunities and then obtained a loan to attend through XXXX XXXX. Unfortunately, some of the privacy and human rights violations I am experiencing currently connected to theft of commercial projects actually began well prior. For example surrounding an XXXX process I invented blindly amidst perceiving numerous maintained discovery efforts from malicious individuals but also notably those connected to copyright XXXX which is a film connected the anti nuclear movement from the XX/XX/XXXX and XX/XX/XXXX. I made the copyright in XXXX XXXX 's name. This after the loans. However, project discussed well prior. She was someone who was a cosigner in the application. Due to cost of tuition, living and return on investment relative to my desired career prospects I decided not to attend. However, due to the nature of what I am experiencing I do believe her being a cosigner but also submitting my details to the XXXX for a XXXX XXXX and also applying to the school generally did have implications with regards to how the current violations I am experiencing being facilitated. For example with XXXX XXXX, some of her family has been exceedingly malicious to me and one group currently involved isolating me and monitoring my accounts and participating in harassing behaviors. One indicator is I often received bizarre hijacked communications and one of them was regarding XXXX XXXX and had an odd list of her other family some of it not all malicious to me and due to discovery efforts could have been for those purposes by them or others. However beyond this, I believe this application could have different purposes. For example I can prove a connection to the NSA and whereby I do believe XXXX has long since been involved as well. With the numerous peers based in the XXXX I don't think that would be necessary. I did file a report with the XXXX in the XXXX but they have read but not responded. Like in the US I have received suspicious communications from groups indicating they have no involvement such as the Serious Fraud Office but I do believe they are hijacked communications and in fact reflect the opposite. I recently received information from the US Dept of ED regarding these loans and I am requesting any information held at XXXX XXXX with regards to myself and disclosure of any issues and information shared including XXXX based entities. If there have been any privacy lapses I am requesting redress and repayment for damages as well as any conflicts of interest related to the takeover attempt of my commercial projects also that has influenced this. I did not attend but believe this is probably something those involved in this situation would use. Please note that XXXX XXXX from the Environmental Defense Center named as reference on loans is someone I believe also involved and targeted in personal issues. I have named in complaints with the EPA as a witness in multiple complaints but is also someone relevant to history of my XXXX as the EDC was founded during the anti nuclear movement and the first case was regarding XXXX XXXX which XXXX XXXX was involved in. The EDC is something that would be broached in the filmed portrayal of the events as well as any behind the scenes and making of. In communications with XXXX XXXX I did at one point reference making them a fractional beneficiary of elements of proceeds given connection and potential tax benefits and those involved could deduce it's relative importance that way. The EDC has filmed XXXX XXXX and also I believe in negotiation settings privileges to other rights relative to malicious groups trying to takeover and diminish those things amidst the irony of trying to exploit it. XXXX XXXX has handled her accounting for her campaigns in the past and could also be included in this as well. I have referenced the ongoing hijacked communications I have received from XXXX. One of them does reference XXXX actually but it is different then those I receive now which are much more volatile. In having my communications cut off and crippled, those involved are seeking to compel personal deterioration and economic destitution an I believe these loans are a factor. I do know the cosigner has recently went into foreclosure and want to know also if this factored in and concerned about copyright also. Amidst constraints imposed I believe what is occurring is intentional. Note some of the XXXX issues I do believe are occurring in the XXXX as well. For example, the release of XXXX XXXX 's rendition of XXXX XXXX XXXX on XXXX XXXX. Or material that is indirectly referential to the situation such as XXXX XXXX 's XXXX XXXX XXXX or the Television Show XXXX XXXX. I have initiated complaints and investigations such as the FTC with XXXX XXXX 's XXXX XXXX. As this material occurs again those involved denying me information continue to seek to compel personal and financial destitution. Please note I intend to ensure copyright in my name as originally put in XXXX XXXX 's but believe constraints like this designed to prevent it by those involved in conspired takeover attempt. | ||||||
| 05/11/2017 | Yes |
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| I took out a private Tuition Answer student loan from Navient Private Loan Trust to attend XXXX XXXX XXXX , which was dispersed o XXXX XXXX , in the amount of {$20000.00}. I have been paying this loan since XXXX ( shortly my post-grad grace period ended ), and the balance is now {$21000.00} -- {$1000.00} HIGHER than the principal. Let me restate that I 've been struggling every month financially paying this loan for almost 8 YEARS, and my balance has risen!!! From XX/XX/XXXX until XX/XX/XXXX , I was paying {$200.00} per month. During this time, the amount that went towards the principal varied from {$3.00} to {$57.00}. At that point, I was looking for a job so I called Navient desperate, and they told me deferment would be my best option. So, under their guidance which I thought was HELPING ME, I deferred my payments from the date of my last payment unti XXXX XXXX , so 4 months total. From XXXX until XX/XX/XXXX , I paid {$200.00} a month towards the loan. During this time, my principal only went down about $ XXXX /month and the rest went towards interest. From XXXX through XX/XX/XXXX , I was on an interest-only payment plan because that is the only option I was given. I was not given any information about lower interest-rate programs, or anything else unique to my financial situation. Navient told me this was the only option, so for another 3 years, my balance remained the exact same and I struggled monthly due to high minimum payment amount. Finally in XXXX XXXX XXXX , I contacted Navient at my wits end, and they told me I basically had exhausted all of my options. They told my only option was income-based payments, which I explained does n't work for me since I have other school loan obligations that they refused to take into account, PLUS the fact that I live and work in the most expensive city in the United States. From that point, I contacted all of their higher-ups, as well as each and every one of their departments that I could find contact information for. I sent them a letter explaining what I needed and also a financial breakdown of my monthly expenses. Only THEN was I able to get a response via telephone from their Office of Customer Advocacy. The man I spoke to in the Customer Advocate office almost a year ago put me on a monthly payment of {$150.00} with 1 % interest, contingent on enrolling in auto-pay. DELIGHTED, I enrolled in auto-pay and have been paying those payments for the last year. When I spoke to him last year, I specifically asked if I 'd be able to re-enroll in this program the following year, and he assured me that I could - but that my financial information would have to be re-evaluated. The woman that actually carried out my enrollment told me the same exact thing. Fast-forward to this year, and I call Navient again to start the re-enrollment process. Whoever I spoke to on the phone assured me that I would n't be able to enroll in this program again - news to me. And so apparently I was given false and misleading information by this company one year ago. So, I then wrote the same email that got me a quick response last time to the same people, but with my updated financial information ( which has not changed at all ). I got a phone response the next day since I 'd contacted Navient 's higher-ups again. I 've been back and forth via phone for THREE WEEKS now with XXXX XXXX from the Customer Advocate center to no conclusion ; she has just been telling me that the terms I want " are n't gon na happen. '' To clarify, the terms I want are my current monthly payment with my current interest ( {$150.00} @ 1 % interest ). Navient is trying to raise my payment AND my interest, even though I have been very clear that all I can physically afford to pay towards this loan each month is still {$150.00}. This number is n't liquid ; it can not change. I can not squeeze any more money out of my budget, nor can I make money appear ( I sincerely wish that I could ). The only other option is for me to declare bankruptcy at this point. My payment is due on XXXX , and now I cant get ahold of XXXX , the person Ive been in contact with about my case for the past three weeks. Navient is and has always been VERY unhelpful and unwilling to accommodate. Obviously the program that I was enrolled in for the past year is an option but I was never told about it until I contacted their higher-ups. I was given false information about being able to re-enroll in my current program and everything feels very seedy and illegal on their end. I dont want to default on my loan, I dont want to ruin my credit, and I dont want any problems. I want to pay this debt back so that I can be done dealing with Navient forever. The max amount I can pay per month is {$150.00}. I am literally drowning just trying to keep up with this loan if I just go along with Navients programs and terms, Im going to die of old age before this company gets their money back. I am trying to pay this off before I die which is a benefit for both Navient AND myself. The only other option is for me to declare bankruptcy at this point, and I can not BELIEVE no one that Ive spoken to or emailed can help me with this. PLEASE help me. | ||||||
| 03/26/2021 | Yes |
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| I am seeking your assistance with this matter. I am requesting transparency about a debt I owe and Navient the Loan company that houses the debt is refusing to assist. They utilized predatory tactics to increase the amount I owe. Then when I question both the tactic ( s ) and the amount that was added, Im offered a little and vague response. I am requesting my loan be adjusted to the original amount of {$59000.00} as it is very clear that Navient is wrong in this matter and will not work to resolve the matter. I worked very hard to get to a place to pay my debt. I will not be taken advantage of as Navient is well documented for doing to its customers. Please assist me with this matter. My original request sought transparency and detail. The amount of XXXX was cited but full detail and validation was not provided. It is the law to validate a debt. I was provided the amount of {$12000.00} and calculation of interest. The original amount was {$59000.00}. There is nearly {$5000.00} unaccounted for in the explanation which proves my point from the original letter that this interest was fraudulently charged. I have defense as a borrower. I was baited to take forbearances and Income based payment options in an effort to drive up my loan balance and not help me to decrease my balance. There is no explanation of unsubsidized vs subsidized and the amounts of interest charged to both. Interest was illegally charged and goes against what was stated in the promissory note as regards to charge interest during forbearance. I was charged that and more. Taking full advantage of me as a buyer. I will not pay anything more than the {$59000.00} amount as I have clearly been wronged by Navient. Please validate this date as cited below. The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Please also note whether this debt is within the statute of limitations and how that was determined. Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I was never advised of the overall impact of the debt. I was never advised of how interest would be capitalized or how it would accumulate in detail. A calculation of interest was vaguely explained in a letter and not in any documentation that I endorsed. Countless promotion of forbearances and income driven payment was a very predatory tactic. The promissory note I endorsed says may be added, does not specify deferment periods. The language is vague and misleading. Navient is a company that likes to take advantage of borrowers rather than promote financial literacy in which both borrower and company benefit. Navient is required by law to provide notice of interest capitalizing 30 days prior. I've never received any notice that details interest accumulation or capitalization of interest. Below is law which Navient has never abided by. ( 1 ) The lender and the borrower or endorser agree to the terms of the forbearance and, unless the agreement was in writing, the lender sends, within 30 days, a notice to the borrower or endorser confirming the terms of the forbearance and records the terms of the forbearance in the borrower 's file ; or ( 2 ) In the case of forbearance of interest during a period of deferment, if the lender informs the borrower at the time the deferment is granted that interest payments are to be forborne. ( c ) Except as provided in paragraph ( d ) ( 2 ) of this section, a lender may grant forbearance for a period of up to one year at a time if both the borrower or endorser and an authorized official of the lender agree to the terms of the forbearance. If the borrower or endorser requests the forbearance orally and the lender and the borrower or endorser agree to the terms of the forbearance orally, the lender must notify the borrower or endorser of the terms within 30 days of that agreement. I was baited and steered into forbearance and income driven, now I have $ XXXX in unexplained debt. Any legal debt should be validated prior to paying. I have not received any clarity/transparency on the $ XXXX interest and Navient refuses to provide it. I have never paid a debt that was not validated and I will not start now. I am requesting to start from the {$59000.00} original amount that I am responsible for. I will not be paying that $ XXXX in unexplained charges and fully expect my loan amount to be adjusted to {$59000.00}. I will be retaining legal counsel on this matter. Please advise. | ||||||
| 11/03/2020 | Yes |
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| First, I am making this complaint public so that others can see it on the CFPB website. If you are going through anything remotely similar with Navient you have options! There is an current class action lawsuit against Navient represented by XXXX XXXX XXXX XXXX. XXXX them and contact them directly! Now moving on to my complaint in regards to a 2nd forged form that I just received from Navient. Possibly created by XXXX XXXX in the Office of the Customer Advocate with no additional proof provided of how, why, where, when the 2 forms were received or returned. Navient refuses to provide the digital data certificate and audit trail that goes with all electronic signatures which would provide actual digital proof of electronic signatures. I have asked multiple times. They simply ignore these requests. This complaint is with the 2nd forged form ( created by someone at Navient possibly XXXX XXXX ) that only magically appeared less than 2 weeks ago ( AFTER I disclosed how I actually sign my name because of the first fake form created Navient ) even though prior to that XXXX claimed by email that she had sent me ALL documents and proof! The 2 typed forms are 7 years apart even though everything else Navient has on record was handwritten including signature ). Interesting Plot twist ; There was never supposed to be an electronic signature for this second form Since XX/XX/XXXX, XXXX has never provided the repayment plan 1 page typed form less than 2 weeks ago that I supposedly " signed '' and per her words requested on XX/XX/XXXX. Why would I request the payment plan in XXXX that was supposedly signed by me on XX/XX/XXXX? Make it make sense? She provided no proof of how I supposedly asked for the form nor how I received the form considering I wasnt living in Texas at that time. Because ... .. The instructions on the form clearly state to enroll in a repayment plan identified below, Sign AND fax this to us at ... ... OR MAIL it I just caught thought which means there was no electronic signature for this form! Also note, on the selected item there is a number 8 even though the instructions on the actual form clearly say check one. Why would anyone select a number 8 when common sense says to check or put an X on the form? Being that instruction clearly outline that I was supposed to select something to be approved for and send it back by fax or mail no information for email or to sign electronically ''. Prior to late this year I have never once spoken with anyone at Navient ( XXXX have provided no actual proof that I called them by phone even though she claimed Navient has spoke with me numerous times ) If she or anyone else actually spoke with me multiple times as you claim where are the recorded calls with my voice discussing any of this or where are the emails from the numerous conversations between XXXX and XXXX? Navient refuses to provide proof of all of that. I had no idea that the loans were consolidated and there was no need to consolidate in XXXX as I was in college at the time. XXXX ignores this point continously. She provided no proof of how I supposedly asked for the form nor how I received the form considering I wasnt living in Texas at that time. Considering instructions clearly state it must be faxed back or mailed only!! I only learned about Navient in XXXX when Sallie Mae sent an email telling me that my loans were being switched over to Navient and that there was nothing I needed to do. NEVER signed up for a graduated payment plan in XXXX to start XX/XX/XXXX. XXXX first claimed it is a consolidated loan but now says I signed up for this graduated payment plan for XXXX when funds were disbursed. When funds were disbursed the original promissory note has no mention of the graduated payment plan only the fake consolidated promissory note that XXXX XXXX created. Consolidated loans are NOT disbursed they are simply consolidated. Also, how could I predict a " graduated 2 year payment plan '' to start 15 to 20 years later? That makes no sense! There will be no payments to Navient until this is resolved as the loans were never authorized to be consolidated by me at any point. Navient did this to simply drive up compounded interest because the loan interest is bigger consolidated together rather than separated. Also since the beginning both Sallie Mae followed by Navient since XXXX constantly pushed electronic forbearances and deferments for over 20 years in email still never mentioning any loan was consolidated nor any mention of FFLEP. Never once called either company and they supposedly record conversations right so where is the timestamped audio with my voice on it? Again never knew the loans were consolidated and NEVER signed up for a graduated payment plan in XXXX to start XX/XX/XXXX. Navient has been sued by countless attorney generals in multiple states, by the CFPB, multiple individual lawsuits, and in multiple class action lawsuits. They have the most lawsuits filed by government agencies and individuals combined. That is a big RED Flag! There is an current class action lawsuit against Navient represented by XXXX XXXX XXXX XXXX. I encourage anyone reading this to contact them directly. | ||||||
| 01/30/2020 | Yes |
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| I am writing about my student loans. I have been a XXXX XXXX XXXX for 18 years. I am trying to work towards loan forgiveness. I have questions that need to be answered and I do not know where to get answers. I also have concerns about the legality of some of the actions of my loan servicer. In XXXX was being serviced by XXXX XXXX and my loans were turned over to Navient. I was supposed to start paying in XXXX. I did not know this and started paying in XXXX of XXXX. By this time I was about XXXX $ in arrears. I paid after that successfully for a year and eight months. I was supposed to be paying XXXX $ but for the first year, but I paid XXXX . The following year I paid XXXX $ extra for a couple of months and then starting in XXXX, I paid XXXX $ extra. I did not have XXXX $ to pay off my past due in total. I was thinking I would do what I could and it would bring down my balance past due. I was being charged late fees and interest on my past due amount. By XX/XX/XXXX my past due amount was up to about XXXX . I called to ask what I could do about this because it was earning late fees and extra interest. They took off the late amount and added it to the total amount I owe. How is it legal for me to earn that much interest and late fees in that short amount of time? So all of this brings me to my current issue. I go in XXXX and log into my account and see that I owe only XXXX . So I call Navient to find out why the change in my account has occurred. They tell me because I had not filled out a form for income reduced payments and they were putting me in default. I explained to them that I had never been asked to do this before, so I was not aware that I needed to do this. They explained to me where on the FAFSA website I needed to go and what I needed to do on the website. I go to check my account a couple of weeks later and it shows that I owe XXXX . I call them back to find out why the change. They tell me that when I linked my proof of income from the IRS that it was not sufficient enough to prove my income. I did not understand this at all, but I moved on. I asked what do I need to do to prove my income. I was told that I needed to upload my pay stubs from XXXX through XXXX into my account on Navient. During XXXX, I uploaded my proof of income to the website. Two weeks later I called Navient to see if they received my documents. I was told that they did receive them. I asked the lady on the phone if this was what they needed and if they needed anything else from me to resolve this matter. She said they received my documents and she assured me they did not need anything else. She told me I would be in forbearance until the end of XXXX while they decide what my payment amount would be. I was told to expect to see the XXXX $ there until they decide what my new payment would be, but I did not have to pay anything until they decided. Since then I have gone online periodically to see if changes have been made. I logged in on Tuesday XXXX XXXX to get my tax information and checked my home page and nothing changed. The next day I go back to confirm my tax information and see that I now have a past due amount. I am being charged XXXX $ in past due amount. I call Navient again to find out what the issue is this time. I am told on the phone that my XXXX and XXXX proof of income is not sufficient. I was told they also need my income from XXXX. I ask the lady on the phone why I was told differently in XXXX and she told me she did not know whom I talked to. During the time from XXXX and today XX/XX/XXXX I have not received a phone call from Navient. Now I am on forbearance again until the end of XXXX while they decide again what my income reduced payment will be. During this time again I am being charged interest and late fees which are being tacked onto the end of my principal. They have an honest person who has been trying to pay. All I want to do is continue to pay. They keep adding all this money to the end of my principal. This is why our debt is getting so large because I can not get out from under the fees and interest. How is any of this legal? What recourse do I have in any of this? I am so strapped with this debt I could never afford a lawyer and what lawyer would take this on? Now my loan forgiveness. I am now being told something different from Navient than I have always been told by the Department of Education. I have always been told if I do not miss a payment for five years and all my payments qualify, I can get a certain amount taken off my principal for being a XXXX. Navient now tells me that if I pay for 25 years and my payments qualify my loans will be taken away. I will be XXXX years old in 25 years. Is this factual? How do I have any way of knowing? I appreciate any help you can give me on this matter. I realize I took out these loans and I am responsible for these loans, but why should I have to go through all these to accrue more debt and not pay for months on forbearance? I will probably never own a home because of all the hits on my credit from student loans. I am mostly in acceptance of this. There has to be recompense on my part for the items I listed in this letter. Thank you very much XXXX XXXX XXXX | ||||||
| 11/28/2018 | Yes |
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| I have never needed a cosigner for any purchase or credit cards. I borrowed thru Sallie Mae to supplement my Federal loans ; scholarships and grants. I did not need a cosigner to obtain these loans. During school, my interest rate was reasonable ( approx 5 % ). During school I maintained a high/excellent credit score, paying all bills on time and in full without help and without a cosigner. When I graduated in XX/XX/XXXX, Sallie Mae immediately increased my interest rate from +/-5 % to 11 % ( eleven percent ). This increased my expected monthly payment to XXXX. I was working full time as an XXXX, making about XXXX and I could not afford the payment. I immediately called in to ask for help with the payment and to avoid negative credit impact. I called I'm and spoke to a front line customer service agent who offered one ( 1 ) option. The option was that I add a cosigner to my account. The agent offered no escalation and did not indicate that I had ANY option outside of adding a cosigner to my account. I trusted the advice because I had no reason to believe that the agent was giving me poor advice. I had no reason to believe that I should escalate the call to a manager or higher level, better trained employee to ensure that the advice was good. That said, I added my Mom to my private student loan account. Note that, my Federal loans worked with me so I did not have to make ANY adjustments to my Federal loans. After I added my cosigner, to this private loan, my interest rate dropped but only to 8 %. This did make payments more reasonable. I did use some forebearance but I began paying my monthly payment and I maintained a strong, on time payment history. I was unemployed in XX/XX/XXXX for a few months and I used all of my forebearance during this period of unemployment. At the time, my cosigner was also unemployed and I was able to FORCE my way into a reduced interest rates an that helped me to obtain a very low payment for a long period of time. Yo get access to the reduced interest rate program, I had to email random Sallie Mae employees begging for help. I found email addresses of Sallie Mae marketing employees and I begged them to help me. These employees guided me to the Office of the Customer Advocate. The call center employees did not offer ANY information to me about this program. I had to desperately search for Sallie Mae staff bto get this information. After I retrurned to work full-time in XX/XX/XXXX, I was able to pay and my interest rate slowly stepped up to 5 %. I was able to pay on time even at the 5 % rate. Because of my on time payment history, I had the option to remove my cosigner, however I was afraid to because I did not want my interest rate to explode and make my payment amount double or triple. I have asked for a guarantee that my interest rate would remain stable and employees at Navient ( Sallie Mae ) will not confirm that my interest rate will be affordable. I am currently unemployed ( since XX/XX/XXXX ) and my cosigner is unemployed but collecting Social Security. I called Navient ( Sallie Mae ) to see if my monthly payment of XXXX could be temporarily reduced or modified so I am able to make payments while I search for work and while I have no income. Because I have a cosigner, Navient ( Sallie Mae ) is refusing to make any changes to or modifications to my balance due. My cosigner is collecting Social Security and while on paper this appears to be accessible, fluid income, it is not at all an option. I am financially independent and my cosigner was added to my account ONLY to bring my interest rate under control. I added my cosigner BECAUSE Sallie Mae ( Navient ) told me to add a cosigner and this was presented to me as my only option ( as stated above, upon graduation ). My concern is that there are tons of other barriers in this same situation. I am concerned that other borrowers obtained " advice '' from poorly trained front line customer service staff who do not understand ( or care to understand ) the ramifications of their financial advice. I am concerned that other Borrowers are unable to speak to professional management staff who should be trained to give good, objective advice to borrowers who experience predatory interest rates upon graduation. I am concerned that other borrowers need help like me, and like me have to FORCE their way past the front line customer service agent to get in touch with a responsible employee who has better information or access to additional information that can provide a solution to a loan related problem. I am not at all hopeful that submitting a complaint will provide ANY releif for my situation, but I do believe that the fact that there are NO consequences for dipensing poor advice to Borrowed is absolutely perpetuating and facilitating the flagrantly negligent conduct that I have witnessed from front line customer service agents. The front line agent typically does not have to care and is not required to give ALL available options to the borrower. The bare minimum is provided. The bare minimum is absolutely WHY I am in a contract with a cosigner. I did NOT get objective good financial advice from tthis group. | ||||||
| 07/27/2017 | Yes |
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| Dear CFBP : Let me first start saying throughout the duration of my loan I have never understood XXXX XXXX ( XXXX ) /Navients practices or policies. I have not understood my loan from XXXX-present. I have made several phone calls trying to understand it. I was never given initial paperwork of their policies & practices. When I went to college things started out rough for me. I was a XXXX refugee I had lost my home ; my job ; and my college where I had a partial scholarship. I had not lived anywhere besides my hometown. In XX/XX/XXXX, I ran into a financial hardship. I contacted XXXX XXXX to try and lower my monthly payments. They were not willing to talk with me regarding this. I quit paying them to make my point good and clear. I got a final notice in XX/XX/XXXX to pay my loans or I would face garnishment. In XX/XX/XXXX, I contacted XXXX and spoke with XXXX. I explained to him that I couldnt afford to pay the monthly payments. He offered a rate reduction program. He explained that my interest rate would go down and which would bring my monthly payment down. He said in order for me to be applicable for this program I had to meet with a credit counselor from a third party company and let her determine it. I met with that counselor and was approved for the rate reduction program. I was never told by XXXX XXXX or the credit counselor that this program was a forbearance or deferment. However, the statement reflects this. In XXXX nothing was paid towards principle it was all applied towards interest. However, it reflected a 3 % interest on each loan. It was as if I did apply for a deferment or forbearance because nothing went towards principle. In XXXX, I tried reapplying for this program ( not knowing the penalties ). XXXX XXXX had changed their policies. When you applied for this program you no longer met with a credit counselor. I received uneducated financial advice from XXXX XXXX. I didnt trust them. I was told that since I had a {$100.00} left at the end of the month with bills paid and groceries. That gave me no room for emergencies. Also, the {$100.00} would be allocated to XXXX XXXX not to my emergencies. Some months I had to put expenses on my credit card or borrow from my family. I met with a credit counselor at my bank in XXXX and she couldnt figure out how the interest rate accumulated or how it was assigned. She disagreed with the decision from XXXX XXXX and gave me financial advice. Throughout XXXX-XXXX/XXXX, XXXX XXXX/Navient gave no choice for how your money was allocated. So when I paid {$260.00} I never knew how it was applied I was never given the option. In XXXX/XXXX, Navient/XXXX restructured their website and I was able to allocate how my money went. However, to this day when I pay an extra amount it says You are paying and extra {$160.00} to your account this will go towards next months payment It doesnt say which loan and I know it doesnt go towards principle because the attached statement doesnt reflect that. My account reflects a XXXX balance but I have {$21000.00} left to pay. Its almost as if I have balloon interest at the end of my loan which I never signed up for ; was never given acknowledgement of ; and was never told. The extra {$160.00} doesnt go towards principle all the time. Lastly, I have called trying to figure out how XXXX/Navient is basing the interest rate. They cant tell me what prime rate/origin they are getting it from. They can only tell me the daily rate for the loan for that month. Getting this information requires me being on hold for 45 minutes. From XXXX-XXXX the economy wasnt doing well. I recall at one month being charged a 14 % interest rate for each of my loans. I have thoroughly tried paying off this debt even when going through financial hardships ( Katrina ; loss of my husbands job ; pay being reduced ; etc. ). However, I think they have misallocated funds and have been deceitful in their practices. They are extending the terms of the loans. I started out of college with a {$32000.00} debt. I borrowed {$22000.00}. Two years ago was when I finally met the capitalized interest on one loan. The interest rate is climbing on my loans presently from 9.25 % to 10.25 % and 9.75 % to 10.75 %. To date my loan is between {$20000.00} to {$22000.00} ; close to what I originally borrowed. I havent returned to college to finish my degree due to this outstanding debt. I am presently going through each month and seeing how they allocated their funds because I did take notes. When I look at my statement ( attached ) it doesnt reflect the interest rate for that month nor does it reflect the daily rate for each month. I am asking you to look into my loans and give me answers that I have been trying to get for years. I am also asking that you give all us student loan borrowers a voice. Please sanction this company ; penalize them. Quit allowing them to take advantage of students. Quit allowing them to service student loans. Quit allowing loan companies to offer variable interest rates for student loans. It creates no better future for students. It doesnt create a good economy it creates debt. It also, doesnt allow students to go further in their education/career. | ||||||
| 05/09/2017 | Yes |
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| In XXXX of XXXX I entered into a temporary rate reduction program with Navient to lower the monthly payments on my private student loans. Navient required a direct debit from my bank account, which they set up to pull {$270.00} per month to be distributed across my private loans. In XXXX of XXXX I began receiving daily phonecalls from Navient call centers regarding my loans being late, however, each month my payment was pulled from my bank account and recorded in my Navient account. This continued for the rest of XXXX and now XXXX months into XXXX . On XXXX XXXX , XXXX after months of daily calls from their call center, I spoke with a Navient employee, XXXX ( # XXXX ). Here are my notes from that call : " She says theres a broken series indicator on the account. She confirmed the full year of my payments posted correctly. She reset the broken series indicator today and checked to see if the late fees were removable. Her supervisor is checking why the account is showing delinquency - a broken series indicator shouldnt do that. She called back - the terms werent extended when the processing was set up ( in XXXX XXXX ). She says cleanup should take care of both the late fees and the reports to my credit, should take XXXX days. Check back in XXXX due to holidays. '' On XXXX XXXX XXXX , I called back to check in regarding the resolution. I spoke with Navient employee XXXX ( # XXXX ). I explained that my payments were posting correctly but that my account was still listed as delinquent and also that my credit reports were now very negatively affected. She told me her manager was going to follow up since this had not been handled properly in the past before it goes to processing. She said she was going to call me the next day around XXXX , and that the late fees and my credit report would be cleaned up by XXXX . On XXXX XXXX XXXX , XXXX did call back around XXXX to say my case was still in process and that they could not provide any written documentation of either the process or the trouble until there was a resolution. On XXXX XXXX XXXX a gentleman from Navient 's ombudsman department called me. He did n't give his name or his employee number. He said he was reviewing my case and that Navient was decidedly in the wrong, but that there was n't anything he himself could do. He explained tha t Class a nd XXXX frameworks are the XXXX places my loans are hosted. The XXXX frameworks have different term extensions - Class XXXX , XXXX XXXX terms. So my program shouldnt have been approved in the first place, but it was. He spoke a lot about how my program should n't have been approved, and that when the frameworks were switched in XXXX of XXXX , the system rejected my payment plan, which is why it started marking me delinquent, but that it needed to be reviewed higher up to be fixed. He added a work order to retract these delinquencies being reported to credit bureaus. The case # XXXX for credit bureau retraction - XXXX , for the Class-framework based loans only, for XXXX day delinquency ( at that time ). He said my XXXX loans were only being reported at XXXX days late ( at that time ). He said that someone in XXXX XXXX in Indiana saw that my account was set up wrong and reset the program, which is why all my payments were marked late but there was no notice sent to me and no letters in my account to explain. He said that XXXX XXXX , the processing chi ef ( hi s bosses boss ), would look at the judgement. She would be in touch with me to offer a resolution. He refused to talk about providing written proof of any resolution in process and said that nothing could go in writing until there was a decision made. Today on XXXX XXXX XXXX , I spoke with Navient employee XXXX ( # XXXX ). I mentioned that this has been a problem since XXXX XXXX XXXX with no notice, and no resolution, and Navient has been called me three+ times per day to collect on loans that I technically was not delinquent on, and now my credit score has dropped XXXX points. I mentioned that I had been investigating legal action to resolve this issue, and that I would not be making any payments until this was resolved - my last on-time payment was as of XX/XX/XXXX . He said I should call the Ombudsman department and leave a message, and he supposedly sent a request to the Ombudsman department to review the status of my case since it has not been resolved yet. As of now all three of my credit reports ( obtained today ) show severe delinquencies for my Navient accounts, while Navient has made no effort to offer a resolution after nearly a year of problems, all while I maintained payments on time according to the terms of the repayment plan both sides agreed too. I can not qualify for any further offers of credit in other areas of my life, and I can not get proof of any possible problem solving on their end in writing. I still receive several daily phone calls from their call centers, and also have started receiving threatening postal mail from Navient regarding my account delinquency. | ||||||
| 03/29/2018 | Yes |
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| I initially got a private student loan with XXXX XXXX on XX/XX/XXXX for the amount of {$3600.00}. My dad helped me co-sign for the loan. Until now, I have explored different options to be able to continue to pay my student loan on time until recently that Ive experienced financial hardships let alone have experienced emotional/personal problems and for those reasons it has been extremely difficult to be able to make any payments on time towards my loan. I have experienced different issues with Navient. At some point, I was caught up on my loan and wanted my dad to be released as a co-signer and was told that I would need to speak to a representative in order to get that done. I would call and while the call was being transferred to the right department, either the call would get disconnected or I would be on hold for an extensive amount of time. In short, I couldnt get to a representative who could help me in getting any corresponding paperwork to be able to get my dad released as a co-signer. What I would like to know is if my dad is XXXX and receives SSI, he had filed for Chapter XXXX bankruptcy in XX/XX/XXXX yet Navient still continues to send him letters, has failed to release him as a co-signer since for whatever reason I cant seem to get to the right person who couldve helped me in being able to get the corresponding paperwork and even so as it was explained, I had to make sure my loan was current in order for my dad to be released as a co-signer. Now my loan isnt current, this has affected my dads credit. I will be consulting with his bankruptcy attorney to find out why he is still listed as a co-signer on my loan yet nothing will change the fact that knowing my dad could have been released as a co-signer years ago it still continues to affect his credit. I have received multiple letters from Navient stating that there may be payment options to help me get back on track on paying my loan yet I didnt qualify for a lower interest rate due to my credit, it has been affected due to non payment on my loan of which I was told I didnt have any repayments options and subsequently affected my credit so all together it has been a cycle as long as I fall behind on my payments, it affected my credit and as long as I dont have good credit according to Navient I dont qualify for a lower interest rate. I was told that I had to pay the full past due balance after I had let them know that I was experiencing financial hardships. Forbearance has not been an option for me for some time as well and even when I would select that option, I was told that after so long I had exhausted that possibility. I am now being told that my loan is about to go into default and my loan was placed in a repayment plan by Navient. I am assuming that happened because of nonpayment yet I didnt receive a letter indicating the specific reason why that happened. My loan will now be paid off by XX/XX/XXXX according to Navient now that is under a repayment plan. Thats 17 years that I will be paying a loan of {$3600.00} that by then will cost me well over $ 12k. Navient has not been helpful in assisting me when I qualified and had asked about releasing my dad as a co-signer, its not true what they say on the letters they send. There are no options available to get caught up with the loan even though they do state that I may qualify for the full past due balance to be paid partially and not in full. Another option was that I could try to make a lump sum to pay off the loan and I was told that wouldnt be an option because its only an option thats available if you have good credit. Other times, I would ask for certain changes to be made for instance for the auto pay to be cancelled the representative would let me know that it had been noted on their end yet would fail to let me know that I would also need to make the change on my end by going online and making that change myself. As a result of the misinformation, I would need to pay an insufficient funds fee since the payment was still being drafted out of my bank account while I was under the impression that the auto pay had been cancelled by the representative when they failed to mention that I would need to make that change online. There were times that I would receive conflicting information in regards to being able to qualify for forbearance. For instance I had been told that I would qualify for an extended amount of time and if need be to call the following month to have it extended. I would call and I would be told that forbearance wasnt an option and I would need to make the full payment. A lot of the times that I would receive conflicting information, they would say they didnt have anything noted from previous conversations. I dont understand the terms of the loan anymore and it doesnt help that I dont have the student loan contract. I dont specifically understand what it means to have had a loan for this long not knowing if Navient has acted in good faith or has deceptively made it more difficult for this loan to get paid off. Late fees have varied. Sometimes Ill get charged a {$20.00} late fee other times I will get charged less than {$10.00} for a late fee. | ||||||
| 09/20/2017 | Yes |
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| In XX/XX/XXXX, at XXXX years of age, I embarked upon my journey to become a XXXX and help my community. As the first in my family to attend college, this was a really big deal. Unfortunately, based on my age and my parents lack of experience with higher education, we trusted my university 's financial aid. We were encouraged to use XXXX XXXX to take out loans to cover costs of my XXXX training. I did not have family or friends to cosign after my first loan - yet XXXX XXXX engaged in unethical lending practices by pushing to approve high interest, high sum loans to a XXXX without a cosigner. I had to start working through college and drop out of my XXXX training. Now, at XXXX years of age, as a resident XXXX ( grateful to the state for subsidizing affordable post-baccheloreate XXXX training ), only now can I appreciate the truly disgusting, predatory practices of XXXX XXXX. Their practices are even more out of hand now as I am trying to repay my debt. I have called multiple times, as detailed below, and every time was told they are unable to offer affordable repayment plans until I default. I worked very hard for my excellent credit score and genuinely want to repay my debt despite feeling so taken advantage of by their lending practices when I was a XXXX. Let me clarify - XXXX XXXX was willing to lend an XXXX year old, first to college in her family, who dropped out of XXXX training, loans at ridiculously high interest rates, in the sums of tens of thousands of dollars. I will now outline my attempts at repaying my loans. After graduation ( XX/XX/XXXX ), after rejection from post-graduate programs, I took a job as a XXXX XXXX in an under served community. Around XX/XX/XXXX, my loans went into repayment, and I had to move in with family. Unfortunately, XXXX XXXX, XXXX XXXX, XXXX and XXXX barely totaled enough for me to afford > $ 1000 month payments. I called for my options - only three were given. 1 ) pay " interest only '' at around {$900.00} a month 2 ) pay {$150.00} every three months for forbearance 3 ) default. I opted to pay {$150.00} every three months until I was able to figure out an alternative. I ended up going back to school for post-baccheloreate XXXX studies at state university in XX/XX/XXXX. At some point during this time XXXX XXXX turned into Navient. My loans remained deferred while I was in school, as expected. I am grateful this company was at least held ethically accountable for in-school forbearance. Now that I have graduated and taken my first position as a XXXX XXXX in training, still with a meager income, Navient is playing the same unethical game. I have called three times between XX/XX/XXXX-XX/XX/XXXX requesting repayment options. Same story as before ; options were unchanged : interest only payments, $ XXXX/3 months forbearance ( for only twice more and then it is no longer an option ), or default and they can consider repayment plans. I again opted for the forbearance in the hopes I could refinance or find another option before tanking my hard earned credit. So, despite they fact I am been trying to give Navient my money in a reasonable affordable way, and despite the fact I will essentially being paying them for the rest of my life on a XXXX XXXX 's income, they refuse to allow a payment plan until they default me and report to credit. I now face going into severe debt after XX/XX/XXXX when I no longer qualify to continue the $ XXXX/3 month forbearance option. I consider myself an upstanding citizen who wants to contribute positively to my community and served the under served populations in need of healthcare. I would like to afford my rent, groceries, hopefully have a modest wedding and invest in a car or home one day. If my student loan payments will not allow that, then I will take responsibility - and adjust my spending priorities as needed. It is still emotionally painful, exhausting and mentally draining to feel so abused by Navient. I feel violated by their predatory lending practices and even more disturbed by their complete lack of regard for my credit and need for repayment options. I am now in the position where I can afford monthly payment towards at least one of the loans, but unfortunately the others will default. I appreciate your time and consideration in this matter. I understand private higher education debt is a large scale, serious national problem right now. I am having no problem repaying my federal debt and will be working loan-for-service in under served communities to repay XXXX XXXX debt. Obviously, the US Government is held to a higher, ethical standard from this regard. I am very grateful. My heart aches as I reflect on the fact I had no clue about private vs. public loan differences at XXXX years of age. I have daily stress and lose sleep at night over my private loans - and I hope my own children ( assuming I can afford to have them in the future ) will never experience this. Although my current political work is focused on healthcare for children ; I am also working to become more involved in the politics around higher education loans. Hopefully, there will be an end in sight. Sincerely, XXXX | ||||||
| 10/24/2018 | Yes |
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| I was on a repayment plan with Navient in which they auto debited my monthly payments from my checking account. On XX/XX/XXXX at XXXX PST, I called Navient customer service and asked that they cancel my XXXX payment of {$120.00} scheduled for the XX/XX/XXXX of that month, due to recent financial difficulties that month. I confirmed that I was only cancelling XXXX and my other payments should remain intact. I have confirmations and dates that I requested the payment be cancelled. When the date came for my normal payment, the payment was processed rather than being cancelled. To avoid getting NSF charges from my bank, I was forced to stop payment on my check since Navient did not cancel my payment as promised. I then noticed in XX/XX/XXXX that none of my scheduled payments from Navient had been taken out as they should have been. As soon as I noticed the problem, I called Navient to find out what was going on and make my payment. I was told my account was " black listed '' due to the stop payment and that I needed to get a letter from my bank proving my account. I explained to Navient the error their representative had made and explained I was forced to stop payment due to my negligence. I was still told that I need to get a letter from my bank. I called my bank and was informed that they could not send a letter to Navient to prove my account. When I reported this to Navient they still said I needed to send a letter. Due to this problem with my account, I was not able to make payments through my checking account. I was advised by Navient that I couldn't set up a payment plan on a debit card. Failure on Navient 's end to accept my payment caused my loan to go more than 3 months delinquent. When I called Navient on XX/XX/XXXX to make a payment and set up a payment plan. I was told my first payment would go through on XX/XX/XXXX. When that payment didn't process, I called Navient on XX/XX/XXXX and was told the payment was processed on Navient 's end and I should wait for my bank to take the money out. When the payment still had not processed by XX/XX/XXXX, I called my bank to ask if they saw an attempted payment of {$120.00} from Navient. My bank advised me they didn't even see an attempt by Navient to make a payment. I called Navient again to follow up again on XX/XX/XXXX again to make a payment, they said they would call me back on XX/XX/XXXX if the payment still had not processed so I could make a payment at that time. Navient called me around XXXX on XX/XX/XXXX, I answered and was notified that my account had gone to a different " tier '' or " bucket. '' When I spoke with the next customer service representative they said they attempted to process my payment and said the reason for the failed payment is my bank was " unable to locate account. '' When I called my bank, my bank informed me that no payment had even been attempted. If Navient had indeed attempted the payment, my bank would have shown that an attempt was made. So the fact that Navient reports submitted the payment and it comes back " unable to locate account '' is a lie. I also received a letter saying my bank rejected a payment but I called my bank and they still don't locate an attempt by Naivent to process a payment. If my bank rejected the payment, my bank would be able to see the attempt to submit the payment by Navient and they do not show that. I still can not afford for my credit to be further ruined, so I made a one time payment on my debit card with Navient and explained to them I could not get a letter from my bank. I asked if I could set up a payment plan on my debit card and they said I could but it still would not bring my account current. I need my account to be current. So I was again told they needed a letter and they get these letters all the time. My bank advised me to send a copy of a voided check to Navient and that should work. I asked Navient if I could do that and was told that would not work. If they get these letters all the time from banks, why won't XXXX XXXX provide one? So I will now have to request time off of work to go to my local branch and ask if a letter including my routing and account number and confirming I have a current account can be sent to Navient. This way Navient can remove the restriction on my bank account. If feel that Navient is actively trying to prevent me from making payments so I can go further in arrears and owe them more and more in interest. I am frustrated because all of this transpired due to a customer service assistant at Navient didn't properly cancel my payment as they promised. I understand that they need to have policies to prevent people from placing stop payments, but I only placed a stop payment after Navient failed to cancel my payment as I requested. I am the only income in my household of 4 people, as my husband was layed off years ago and is having difficulty finding employment. I am trying to get by as it is and keep up with student loan payments. I can only make interest only payments due to the fact that my husband is unemployed. I am struggling to make these payments as it is and Navient continues to make it difficult. | ||||||
| 10/23/2017 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX XXXX Student Loan, this is the type of account the I co-signed for, for my XXXX back on XXXX XXXX XXXX. The loan has since been transferred to Navient for management. In XXXX XXXX, I was reviewing my bills and loan accounts like I do every few weeks so I can plan and prepare for upcoming payments. I typically do not focus on the XXXX XXXX Student Loan because it is an account my XXXX is supposed to be paying back, but since she has not been paying on the XXXX XXXX Student Loan, I needed to if I wanted to keep up with my decent credit score. As I was reviewing the account details ( payment history, loan balance, interest paid, principal paid ), I saw something that was a little disturbing, the interest paid amount. I looked back at the life of the loan and made notes of some of the numbers. The original loan amount was {$9100.00}. As of today, XXXX/XXXX/XXXX, there has been roughly {$8800.00} paid towards interest, and roughly {$5000.00} paid towards the balance of the loan. In total, roughly {$13000.00} has been paid towards this school loan ( XXXX XXXX Student Loan ). The reason I reference the term " roughly '' in the above statement is because I can not find this data on Navients website. So I had to download my transaction history and use XXXX to calculate the numbers above. Once I saw the amounts ( loan balance, interest paid, principal paid ) for this loan, I almost had a XXXX XXXX. This loan was being paid XXXX/XXXX/XXXX - XXXX XXXX, and the loan is n't even paid halfway off?? All I could think about is how long will this need to be paid before it gets paid off? Another XXXX years? How much additional money would need paid towards the loan {$10000.00}?? I wanted to get a baseline, so I logged into XXXX XXXX Services. This is where I have my own student loans. In XXXX XXXX, I borrowed roughly {$18000.00} to go to school. I did not have to make payments until after I graduated in XX/XX/XXXX. I just paid off my student loans a couple weeks ago. So I thought to myself, how can I borrow twice as much for my student loans and have them paid off in XXXX years, and on the flip-side, pay on the XXXX XXXX Student Loan for XXXX years, and not even pay half of the {$9100.00} balance? I did not understand what happened or how I can have a loan twice as much get paid off, before a loan half the size. Since I did not understand what was happening with the XXXX XXXX Student Loan, I called Navient to find out more information and possibly get assistance in some form or another. When I called Navient ( XX/XX/XXXX ), I spoke with XXXX individuals. I shared my story with each individual. The story is as follows : " My XXXX is refusing to pay the loan back so I am forced to pay. I am only able to make the minimum payment since I did not budget the repayment of the XXXX XXXX Student Loan. I wanted help from Navient to ease the stress I was being overwhelmed with over this situation I was now in. I gave the details of the loan ( the original loan amount {$9100.00}, roughly {$8800.00} paid towards interest, and roughly {$5000.00} paid towards the balance of the loan. In total, roughly {$13000.00} has been paid ), and each representative denied me assistance or help on this loan. All they could recommend for me was to make a larger monthly payment so the loan would be paid off sooner. '' I was very unhappy with how the call went. Not only did I not receive any assistance from Navient, I felt like they did n't care about the situation I was in and they just wanted money for this XXXX XXXX Student Loan. At this point, I started to review paperworkemails regarding the contract details and the promissory note, but I never found the information on what rate was to be charged for the XXXX XXXX Student Loan. Most of the information I found was telling me how I made a good choice by obtaining the XXXX XXXX Student Loan. Some documents promised that having this type of loan would be beneficial because there were " interest-only payments and shorter repayment periods designed to save on your overall loan costs ''. I was able to find a letter that contained an updated payment schedule, estimating the payoff date would be XXXX/XXXX/XXXX, estimated interest paid to the loan {$5000.00} and total amount to be paid to the loan was estimated at {$14000.00} With all of that being said, I feel like we were scammed into obtaining the XXXX XXXX Student Loan. All of the information about it being a beneficial program and designed to save us money never cam into fruition. The facts are this, XXXX years of paying towards a {$9100.00} loan has left me with this, an interest paid amount of roughly {$8800.00}, principal paid amount of roughly {$5000.00}, and a loan balance of XXXX. After XXXX years of paying this loan the amount of interest we have paid is nearly the loan amount requested. Can someone please tell me why I was being directed to obtain a " XXXX XXXX Student Loan ''? From what I can tell this is not a smart loan to have. I believe we were mislead to think that this was a good option for a school loan. Nothing I have seen has proved otherwise. | ||||||
| 08/07/2017 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX I received a student loan through XXXX XXXX College. While enrolled I found out the program I was attending was not accredited and the courses taken would not transfer to any accredited college. I was duped into the loan. Eventually I defaulted on the loan. XXXX XXXX College closed its doors in XX/XX/XXXX. I was contacted by XXXX XXXX and through an offer I consolidated the loan to get me out of deferment. This consolidation occurred inXX/XX/XXXX. I am currently in default and this is ruining my life. Navient now holds this loan. I reached out to the XXXX XXXX XXXX in order to request this loan be discharged due to fraud by the school. I received a call indicating that they do not have a federal loan showing for me. I contacted Navient and they indicate the loan should shown on the student aid website. My loan does not show. I believe some type of fraud has been committed and I am not able to avail of the correct discharge program due to the loan not being reported to federal XXXX XXXX. Navient only wants me to enroll and pay for something I did not benefit from. To add insult on top of injury, my original loan was just shy of {$5000.00} and Navient is holding me hostage for over {$28000.00} for something that I can not benefit from. I have been working to find a solution for this. A more detailed request that I sent to Navient has been cut and pasted below. XX/XX/XXXXXX/XX/XXXX Navient Account # XXXX XXXX XXXX Good Afternoon, I was compelled to reach out to you at this time. I feel as if I am at the end of my rope. Currently Navient has a defaulted loan for me in the amount of {$28.00}, XXXX. I believe that in a sense I have been taken advantage of and now I am in a situation where I have to exhaust all avenues available to me to find a remedy. In XX/XX/XXXX, I enrolled in XXXX College a XXXX XXXX XXXX school in California. I was misled by school administrators to believe that upon completing the program I would acquire an XXXX XXXX with credits transferable to a university program. I soon found out none of this was true. I was deceived and defrauded and XXXX closed its doors in XX/XX/XXXX. It wasnt until recently I found out I could apply to have my original loan cancelled by the XXXX XXXX XXXX XXXX under the borrowers defense due to the schools fraud. I contacted the XXXX XXXX XXXX last week and was informed that I do not have a defaulted loan with them and would not be able to apply for cancellation of the debt because they show the loan paid off in XX/XX/XXXX. What I was able to discover, and now realize, is that in XX/XX/XXXX, I was contacted by a representative from XXXX XXXX with an offer to get me out of federal default status by loan consolidation. I agreed to the offer in hopes to get some relief. No one from XXXX XXXX ever told me that by doing this my XXXX XXXX XXXX loan would then be considered a private loan. No one ever informed me of the statue I could avail of due to fraud by the school. Instead I was transitioned and could not maintain the payment schedule. By transitioning my loan to a private loan, I was deprived of my ability for the loan to be cancelled by the XXXX XXXX XXXX. ( Please note originally Navient told me I have a private loan with them. The advocate dept. states however it is a federal loan ). This has greatly impacted me because the balance now sits at {$28.00}, XXXX and immensely affects my credit rating. I can not move any further in life without getting this resolved. When I first received by disbursement for XXXX College, the payment went directly to the school. There were two loans sent to them. Loan # 1 was a FFEL Supplement Loan for {$2300.00}, and Loan # 2 was a FFEL Stafford Subsidized Loan for {$2600.00}. This is a total of {$4900.00}. My life is indebted now for almost {$30000.00} and I have received nothing in return that will enrich me or allow me to benefit from. I was a victim of an unscrupulous organization. Unfortunately, due to catastrophic events in my life including XXXX sick children ( out of XXXX ), husband becoming addicted to drugs, divorce and being laid off over 4 times, I have done the best I can to just survive. This has been the biggest challenge. I have filed bankruptcy twice in my life in an effort to merely sustain. Most recently I was unemployed from XX/XX/XXXXXX/XX/XXXX. I have been employed since XX/XX/XXXX in a lower level position in XXXX XXXX and am still rebounding. I am XXXX years old and currently paying off a bill to the IRS. There is no way I will be able to pay over {$28000.00} to Navient. I feel as if I am being held hostage. I can reopen my last bankruptcy ( XX/XX/XXXX ) and petition the judge for this debt to be relieved through an adversary proceeding. However, I am reaching out to you for help with issue to see if there is a way this debt can be cancelled. Your representatives have petitioned me with a payment plan in the amount of {$28.00}, XXXX that will not help my situation in any way and that is their only offer. Please let me know if there is any other alternative. I can be reached at XXXX. Thank you for your time. XXXX XXXX | ||||||
| 12/09/2021 | Yes |
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| Time Period : XXXX XXXX Background : My Federal Family Education Loan ( FFEL ) has been serviced by Navient and its predecessors since XXXX, when I graduated from a master 's program in Environmental Studies XXXX At no time have I missed a payment and at no time have I failed to recertify my annual income as part of a repayment plan. Complaint : From XXXX XXXX, my loan was in forbearance and no payments were being made. I think no payments were due in part because of the low annual income I had reported on my last income certification in XXXX. Even though my income and financial situation had not changed much since XXXX, my loan servicer, Navient, requires an annual recertification of income. This seems reasonable enough, and I have complied with this requirement for as long as I have been in forbearance, for at least the last 5-10 years, ever since income-based repayment ( IBR ) was started under President Barack Obama. For a variety of reasons, this year I made the mistake of not opening several e-mails Navient sent me, including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Aside from the fact that I get 100s of e-mails a day and that many of my e-mails from Navient, especially on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX, were of a routine or information-sharing nature, requiring no action of any kind by me ( e.g., the e-mail on XX/XX/XXXX was simply to remind me that the Navient website would be down temporarily ), one thing I can say is that the subject lines used by Navient were not entirely clear, which meant that one had to click on and open an e-mail before one could understand what was happening, what was being communicated, and what action, if any, was required. In fact, one of the first e-mails notifying me that I needed to recertify my income this year did not say " Action Required '' or " Need to Recertify Income, '' but only " Your payment will increase soon! '' ( XX/XX/XXXX ) Because my loan was in forbearance or repayments were temporarily forgiven, it struck me as strange that an e-mail would announce that my " payments '' would increase soon. Given the sensational and somewhat fearmongering quality to the subject line in this e-mail, my first instinct was to disregard it, for fear it was a message from an unscrupulous lender attempting to convince me to move my loan to them. My next two ( 2 ) e-mails ( XX/XX/XXXX and and XX/XX/XXXX ) from Navient both had the bland and uncommunicative subject line, " New document ready to view! '' In fairness to Navient, however, two more reminder e-mails followed, " Reminder your payment will increase soon '' ( XX/XX/XXXX ) and " New document ready to review '' ( XX/XX/XXXX ). I was awoken from my neglect only on XX/XX/XXXX, when Navient 's e-mail subject clearly stated, " Action needed - your payment is increasing. '' For some reason, as soon as it was stated that " Action [ is ] needed, '' I immediately visited the Navient website on XX/XX/XXXX and discovered that I had missed their deadline to recertify my annual income by XX/XX/XXXX. Though by now I was five ( 5 ) weeks past the deadline, the information requested and action required seemed routine, and easily exchanged had the mode of communication ( e.g., US mail or telephone call leaving voice message ) or the words used in the e-mail been different. My complaint is that my punishment for missing this deadline to recertify my annual income is {$13000.00}, i.e., Navient capitalized my outstanding interest to my principal once I failed to recertify my income on time. While I fully accept that I was late to recertify my income, I do not feel it is appropriate for a loan servicer to penalize me by adding {$13000.00} to my principal balance, especially given that they could have chosen alternate means for communicating with me about when and how to recertify my income. I called Navient, and spoke with an agent named XXXX and a supervisor named XXXX, but both were adamant in referring to the precise terms of my loan agreement, especially a provision they called Section 10. When I protested that I had held this loan over twenty ( 20 ) years and never before been allowed to let such an important deadline pass without first being called, XXXX the supervisor said that did not change anything, and that when I was called in the past it was most likely over a payment that was late to be submitted, so the lender was offering the courtesy of notifying me of my failure to pay on time in order that I could make the payment before incurring penalties. If there is any way CFPB could reverse Navient 's action, and to remove the {$13000.00} in capitalization of interest I experienced simply for missing a deadline for filing annual income, I would be most appreciative! Failing that, if there is any way CFPB could require loan servicers to communicate more clearly about upcoming changes in terms of the loan, and to allow borrowers, especially low-income borrowers, a certain grace period to overcome any oversights, that too would be greatly appreciated! | ||||||
| 09/03/2018 | Yes |
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| Hello. I am writing to make a formal complaint about the student loan company Navient, which currently owns my student debt. A US citizen, I have lived abroad in the XXXX for 18 years. In the past year, Navient has changed its payment technologies so that it is now technically impossible for me to pay my loans, or possible only with excessively additional high monthly fees incurred. I have every intention of paying the loans and have been paying them, but am now incurring late fees and late notices despite spending hours on the telephone with different offices in the company to resolve the issue. This is excessively punitive, unreasonable ( as my payments have been accepted in the past ) and is having a seriously detrimental effect on my financial situation and my mental health. While the individual agents I have spoken to on the phone have been kind, they have been able to offer absolutely no solutions and the company can not otherwise be contacted. Navient says that it will not accept payments from a checking account that is not a US bank account with a US routing number ( this includes not accepting a US currency account held with a XXXX bank ). I have tried to get a US bank account but can not as I do not have a permanent address in the US. Navient no longer accepts credit card payments, which it once did, but does accept debit card payments. I paid with my debit card several times successfully, but now the company 's technology consistently misreads my debit card as a credit card and refuses the payment made from it. I can not use the autopay or any other online option. Despite saying on its website that bank transfer is a method of international payment, I have been informed that only a small proportion of my loans can be made with bank transfer, which itself is complicated to organise each month. I have been told that I can pay with two separate money orders, but as this is an older method of payment they are timely and difficult to procure and would cost me {$100.00} not including postage each month to send. Two months ago, I opened a new banking account that specialises in multi-currency payments and which does have a routing number, but the associated card was also declined by the system as being a 'credit ' card. Navient told me to correct this with my bank, which I tried in person, but which was confused as it could simply tell me that the debit card is a debit card. On several occasions, agents have actually suggested to me that my repayments - which are due to continue for another 15 years at least ( I am XXXX ) - be handled by my elderly relatives in the US, who themselves would incur charges even if this monthly activity was feasible for them, which it is not. I have been told in broad terms that this is what everyone else does. This is a wholly inappropriate recommendation from a company of this size and financial power. I am willing to negotiate other payment arrangements, such as paying every six months or year to minimise the costs created by the unreasonable limitations on payment options and the company 's own technical limitations ( reading the debit cards as credit cards ). I have spent enormous time and effort simply trying to get Navient to accept my monthly payment, which is now nearly three months overdue, and indicates no sign of being possible. Every time I call I spend a long time giving this information and the conversations end up futile. This is extremely stressful and is impacting negatively on my everyday life. The incurred late fees mean that I already can not meet the payments as I had been doing within my budget and will now struggle even more financially ; I have dependents and am the sole waged person supporting the family. I continue to receive emails about being 'late ', which do not take into account the number of times I have called to attempt to rectify the situation and find a way through. I recently took a forbearance ( incurring fees again ) simply to have a break from the stress of trying to pay. If the company refuses to accept payment via reasonable means from people who do not live in the US, I can not see how I will not be forced to default on this loan that I am willing and - for now - able to pay. I am sure that the company does not care in the slightest about the implications of this for my and my family 's life. However, I am lodging this complaint in the hope that someone will be required to attend to this problem seriously in the nearest future so that I repay this loan. This has been an ongoing struggle and set of conversations ; I would be happy to forward any documents that might be required in the conversation, although much of the conversation has been over the phone with agents and in a few emails that I have records of ( though I have just learned that Navient only stores the messages I send for 7 days, and theirs for 12 months ). I have attached one example of a response to my most recent ( XX/XX/2018 ) request for help from the company, in which I had explicitly stated that I did not have access to any US banking facilities. | ||||||
| 06/22/2017 | Yes |
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Web | Servicemember |
| My problems with Navient ( previously XXXX XXXX XXXX XXXX XXXX [ XXXX ] ) have been ongoing since XX/XX/XXXX and have only gotten worse throughout the years. The problems began when a spousal consolidation loan was marketed towards us without full disclosure as to the terms and conditions of the consolidation. There was no clear understanding that if we should divorce, that there would be no way to apportion the liability. Nor was it disclosed that the consolidation would it disqualify me for Public Service Loan Forgiveness ( PSLF ). Perhaps most disturbing was the lack of disclosure concerning financial hardships. At the time that of consolidation, there was no income based repayment ( IBR ), therefore in instances of unemployment or reduced income, we were severely restricted as to our repayment options. When hard times did hit ( and they hit frequently ) we were frequently either not informed or mislead as to what our options were. When my husband 's payroll checks started bouncing, what was XXXX 's response to postpone payment and avoid default - your only option is to file for a forbearance. When my exhusband was laid off, hat was XXXX 's response to postpone payment and avoid default - your only option is to file for a forbearance. Time and time again, we were pushed in to periods of high interest forbearance. When my husband abandoned my daughters and I, when we were dislocated, and without income, what was XXXX 's response to postpone payment and avoid default - your only option is to file for a forbearance. Repeatedly we were steered towards multiple forbearances instead of income-driven repayment plans or other options. There have been other issues as well, especially after my husband and I divorced. It is practically impossible for me to get IBR paperwork processed without Office of the Customer Advocate. Sometimes I have had to submit the EXACT same paperwork two, three, even four times because they have misplaced it, or because my exhusband and I did n't sign the same piece of paper ( we are on opposite sides of the continent ), or because they did n't process it correctly. Once I was denied my income based repayment because I did not hand write something on a form when there was not a spot on the form for the information and no instructions that the information was needed?!? Each time this has happened, not only has it been reported as past due on my credit report ( even though it has been completely their fault ), I have also received HUGE interest and late fees. Just so you understand that I am NOT exagerating the problems, our initial loan balance of approximately $ 90K has not reached an insane balance of $ XXXX. That represents $ XXXX in late fees and interests. Having graduated in XX/XX/XXXX, that is just over $ 21K a year in fees and interest ( {$1700.00} a month ). Based off of the estimated payment schedule provided by Navient, the total amount to be repaid is {>= $1,000,000}. There is NO other business or entity that would be allowed to charge these types of interest and fees. Navient has been iether unable or unwilling to provide adequate documentation to substantiate loan balance. Documentation provided does NOT go back to when I graduated from school. Documentation provided does NOT include balances prior to consolidation. Documentation provided does NOT include dates of consolidation. I am by NO means trying to get out of my original debt. And let 's NOT forget that EVERYTHING goes to my ex-husband and I am TOTALLY dependent on receiving information from him. I ca n't even have my own account login to make payments. The system is NOT set up for this type of situation. What I was loaned to go to school should be paid back. However, I have NEVER received a FAIR chance to pay back my loan. I ca n't buy a car. I ca n't buy a house. I went to college to better my life and instead it has been ruined. At every stage of repayment, I have been cheated and taken advantage of. THIS IS A PERFECT EXAMPLE : Even now as I am preparing this, I just logged in to my ex-husband 's account on Navient to find out that the account is in repayment status! I had NO idea! I have not received NOT one notice from Navient that my IBR was approaching the time that I needed to submit my paperwork for the annual verification. Not one letter. Not one e-mail. Nothing. So now the account is going to go past due, my credit report is going to once again be reflected as past due when they failed to provide me my paperwork and notifications required under federal law, and the account is going to stay in past due status until THEY process the IBR paperwork that I did n't even know was due! And even though this has happened repeatedly and I have attempted to refute with the credit bureaus, they have NEVER fixed it. Attached is just a sampling of the correspondences that I have had with them. It does not include the harrassing phone calls that I have received. Nor does it do justice to how I have been spoken to. At one time I even had a representative bring me to tears telling me that I DESERVE to default. | ||||||
| 04/20/2020 | Yes |
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| To Whom It May Concern, I am writing to find out who I should contact regarding the mishandling of my guaranteed student loan by several lenders including Navient and currently XXXX. I am a XXXX XXXX who has worked for the same public school district since full time since XXXX of XXXX. I have consolidated loans and have been on an IBR plan since XXXX. My first complaint is that Sallie Mae ( that later became Navient ) never informed me of the PSLF. It began in XXXX, and I was never told. It was at my own request that my loans were consolidated and that I chose the IBR plan. It was not motivated by the terms of the PSLF since that was kept from me. If I was informed at the time, I would have taken full advantage, as I have been a struggling XXXX XXXX of a XXXX child since XXXX, who fled a home of XXXX XXXX. For many years I would have qualified for a {$0.00} payment! Those {$0.00} payments would have been qualifying payments under the terms. I would have already met the terms of complete forgiveness years ago had I been informed. I feel this was a deceitful act perpetrated on purpose. I had informed my lender often that I was aware of the Teacher Loan Forgiveness but was told I did not qualify because I was a XXXX XXXX Never once was I told that even though I didnt qualify as a teacher, I would most definitely qualify as a public servant. I have since looked at all my old emails and never found one email informing me, from my lender, about this loan forgiveness. I do see that an email was sent out by student loans.gov on XXXX XXXX, regarding verifying my eligibility for loan forgiveness. I did not see this at the time, but even the federal government was prompted to disclose this information based on my IBR enrollment status. I just happened to discover on my own about this program a few years back when researching tirelessly. I informed Navient of my discovery and they told me that they would continue to be my servicer, and yes I would qualify. The relief I felt hearing this was beyond words. Navient, however, did not tell me that once I became part of the PSLF program, that my lender would change automatically to XXXX. I believe that is why they didnt disclose this. I initially thought XXXX XXXX based on the name ) was the Federal government. I am certain this misconception is common. This lender was quick to take over the loan on XX/XX/XXXX and collect payments starting on XX/XX/XXXX, but up until a few days ago, could not verify one qualifying IBR payment. I called over and over asking for written correspondence but they never would fulfill my request. I got inaccurate and contradicting information. It was only on the evening of XX/XX/XXXX that I got notification via email. The notification indicated that Ive made 20 qualifying payments which is incorrect and unacceptable. I have written to my local Assemblyman XXXX XXXX and recently in contact with Congresswoman XXXX XXXX office prior to the COVID outbreak about a few issues including this one. They were in the process of helping me reach the proper officials. Before the epidemic hit I was working 12 hour days for years. I have essentially become an indentured public servant with the goal of becoming free of an insurmountable financial burden of a {$61000.00} plus XXXX and growing ) student loan! A loan where I can never touch the principle and the balance only accrues more interest. I would have sought out higher paying employment in the private sector but because of this program, I felt it was in my best interest to fulfill the qualifying 120 payments working as a public servant. This program was designed especially for people in my situation. I filed bankruptcy in XXXX, but could not discharge this debt. I have no money to buy a home and have been living paycheck to paycheck. I live in a one bedroom apartment where my son sleeps in the living room. Now, even worse, half my income is gone because normally I work for an afterschool program and they have shut down. I am considered an XXXX XXXX for this position, as I receive a 1099. I will unlikely qualify for unemployment and am currently in a scary financial situation. I must have legal protection and recourse for all of the misinformation and misguidance. I know that class actions have been filed against these loan agencies for doing what I can only assume is a willful intentional act. Who can I report this to and what is the remedy? I feel that I should get credit retroactively, beginning at the date this PSLF became available, since I would have agreed to the terms. I would have already fulfilled the 120 payment obligation in XXXX. If it was just incompetence on the part of the lender I should still qualify. Incompetence of the lender should not penalize the borrower. The public needs to be protected from self interested entities like loan service profiteers. I am a public servant and have served my community for 15 years. I deserve to be granted this loan forgiveness and to be treated with basic decency. Thank you very much. I look forward to hearing back soon. | ||||||
| 09/29/2018 | Yes |
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| Per Complaint No. : XXXX submitted, and having the reply from Sallie Mae, and the case closed ; it is hereby being re-submitted for due process as the response received is not an answer to the complaint. The question is, WHY DID SALLIE MAE DEFAULT MY LOAN during the XXXX-school semester while being serviced by Sallie Mae? Proof that Sallie Mae had loan and defaulted it is available from many departments. One only need call the University, or the Department of Education, loan consolidation department. Records can be provided showing Sallie Mae had possession of loan, and defaulted loan, thereby forcing me to consolidate it, because I had no money to pay off loan to make restitution. By consolidating loans, the department buys the debt, and places the loan in a grace period because you can not consolidate defaulted student loans, hence " Grace Period '', where the student is allowed to pay six monthly payments to rehabilitate loan into good standing so it can become consolidated and where Financial Aid can then be disbursed to the student again ..., Once loan was rehabilitated I was allowed to receive financial aid again and return to collegesee below where Sallie Mae said, in their response to my first complaint how they admit no wrong doing, when stating, ... Navient, then Sallie Mae, serviced seven Federal Family Education Loan Program ( FFELP ) Stafford Loans that transferred to us for servicing in XXXX XXXX, but failed to explain what happened to loan after Sallie Mae serviced GSL. What did Sallie Mae do with GSL after servicing it? Where did it go? Why did it go there? What law/rule of the GSL Program states such actions may be taken against a student to default a loan while being serviced? Instead, Sallie Mae talks about the history of the loan in my first complaint, showing no knowledge about my loan, or the letter I wrote them in XXXX, where I accused them of wrongdoing and misuse of the GSL Program and where Sallie Mae still does not answer in a complaint filed with the CFPB, that one must submit yet another complaint. Sallie Mae goes on to say, These loans were in their Grace Period from XX/XX/XXXX until XX/XX/XXXX. The loans were then consolidated in XX/XX/XXXX. We did not service the consolidation loan. Navient, then Sallie Mae, did not receive and therefore could not deny an application for a student loan in XXXX .... Again this is Not the question, I never accuse nor say anything about Sallie Mae denying my application, as it was already approved for the entire year of XXXXit was denied the fall semester of XXXX, because Sallie Mae said it was in default before the fall semester started. Sallie Mae has no knowledge of my student loan, and continues to not answer why the loan was defaulted. Sallie Mae is the responsible party and where documentation to that effect can be provided. Where they never admitted any wrongdoing, ignored certified letters, and refused to answer first complaint as to why the loan defaulted. Note : Sallie Mae stated they were in possession of the loan in XX/XX/XXXX. How did loan go into a grace period if Sallie Mae had it? The only reason I was in a grace period was because Sallie Mae defaulted the loan and I was paying restitution on the loan. Please forward for a formal hearing as this process is not working, where Sallie Mae is ignoring questions asked. Why did Sallie Mae default student loan, as they were in possession of loan in XX/XX/XXXX? If proof is needed of letters written by Sallie Mae, stating they were defaulting loan for nonpayment can be provided. However, the GSL Program states, " ... loans can not be defaulted if one is a full time student ... ''. I want to know how did a guarantee student loan program default my loan when all required documentation is proved and available to any party for proof. No one at Sallie Mae would answer this question in XXXX, and still did not answer this question in first complaint. Sallie Mae said in first complaint, the loan was transferred to them for servicing in XX/XX/XXXX, where did it go after that? Why did it leave their department if they were servicing it? Sallie Mae, when denying my rights as a student to an education through the use of the GSL Program where no one can be denied an education through the use of this program violated the Guaranteed Student Loans Program rules, and the laws of Title IV Monies. Sallie Mae Defaulted my loan, according to the Department of Education, and XXXX XXXX XXXX XXXX, and why this complaint has been ongoing, as Sallie Mae still has not answered first complaint. Why was I denied my right to an education? Why was Loan Defaulted and not allowed Financial Aid upon returning to college in XXXX fall semester, driving sum five-and-half hours, only to find out Sallie Mae said I was in default of my student loan. I read promissory note, and rules on Title IV Monies of the GSL Program, and what has happened to me, can not according to its own rules and the Laws that Govern them. Again, how did the loan go into default Sallie Mae? | ||||||
| 06/22/2019 | Yes |
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| I thank you for your time and assistance. I have been tracking the payments of my student loans 12 in all since XXXX of XXXX. Were you to review my credit report, you would find I have never missed a payment on any of my loans. Ive included a copy of my payment history with Navient, for example ( See attached : Navient _ Account History ). While I have been slowly paying off my loans as Ive been able to since both XXXX and XXXX school graduations, around XX/XX/XXXX I decided to ensure all of my student loans were paid off in or before XXXX ( See attached : XXXX XXXX XXXX ). The expedited plan I prepared ensured I would pay off the loans in the order of the highest interest rate to the lowest. However, I noted that one loan with Navient ( XXXX XXXX ) had a particularly interesting benefit I had previously been unaware of : It offered a waiver of the last 6 months of payments if all scheduled payments were made on time. I later chose to save the website page as a PDF to ensure I had the information captured for my own records ( See attached : Navient _ Loan Details_6 mth payoff_XX/XX/XXXX ). The loan schedule on Navients website indicated I would save over {$1500.00} by taking advantage of the benefit, which would be more than I would save by paying the loan off early when I was completing my review in XXXX, and therefore I chose not to include that loan in my expedited pay-off schedule. Because I was unfamiliar with the benefit, I called to confirm my understanding of it with Navient. I do not recall the date of that call, but it would likely have been in either XXXX or XX/XX/XXXX, when I was making plans for expedited pay down. After I made my loan payment on XX/XX/XXXX, I called Navient to confirm I would receive written or emailed confirmation of the loan being paid off. While the benefit was not yet applied, the representative confirmed the benefit was as I understood it to be and assured me that the benefit would be applied within a couple weeks ; she said I would receive an email or letter confirming the loan had been paid off. When I had not heard from Navient as of XX/XX/XXXX, I checked the website to find that a benefit had been applied to my account, but that the benefit was far less than I had been told. Navient had applied a benefit of {$780.00} on XX/XX/XXXX. A balance of {$560.00} remained on my account and a payment in the amount of {$250.00} was scheduled to be drawn ( via auto-pay ) on my checking account on XX/XX/XXXX. I spoke to XXXX, a supervisor in customer service, and she informed me that the benefit should pay off the balance and that, while I could not withdraw the auto-pay, she would request a refund of my payment as soon as it had been processed. She submitted an inquiry to what she called the back office, informed me it would take 3-5 business days to process, and assured me she would call me back with the results. At that time, I chose to print off another PDF of the loan page, which now contained different language describing the benefit attached to my loan ( See attached : Navient _ Loan Details_6 mth payoff_XX/XX/XXXX ). The language was more descriptive and indicated the benefit only paid 6 months of payments on the original repayment schedule. This language had clearly been changed since I was informed of the benefit, becoming far more specific. Not one customer service representative, to that point, had indicated the benefit would make a payment other than those owed for the last six months of my current repayment schedule. XXXX did call me back on XX/XX/XXXX. She stated that she had misinformed me, that the full benefit had been applied to the account and that Navient maintained I owed the remainder of the loan balance. I told her I would not accept that result, because Navient had indicated on its website that the last six payments would be made, but made no reference to the fact that it would not be on my current repayment schedule. I relied on that statement, as well as the confirmations of Navient 's representatives, in continuing my repayment plan. XXXX offered to transfer me to someone who may be able to assist me further. I then spoke with XXXX, who confirmed XXXX version of events and informed me that the federal government had decided on the benefit amount. He said that he would submit to have a Customer Advocate assigned to my inquiry, who would reach out to me within 24-48 hours. Today, 72 hours later, I have not heard from the Customer Advocate, so I am submitting this complaint to obtain some assistance in getting this matter resolved to my satisfaction. Another payment in the amount of {$250.00} will be withdrawn from my checking account on XX/XX/XXXX. I will be allowing that payment to proceed in order to avoid having Navient state that my loan is in default. In order to resolve this matter, I would ask that Navient reimburse me for any payments made by me on this loan after XX/XX/XXXX and waive the remainder of the loan for me, this is the only acceptable resolution. Thank you again for your assistance. | ||||||
| 12/01/2018 | Yes |
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| Actions taken : Wrote to CEO XXXX XXXX in XX/XX/XXXX Wrote to US Department of Education Office of Inspector General Hotline in XX/XX/XXXX and the complaint has been received since XX/XX/XXXX Please read below my complaint and take necessary action. XX/XX/XXXX To Whom it May Concern, I earned my XXXX XXXX XXXX at XXXX XXXX XXXX. I attended that institution from XXXX to XXXX. Back then, I never paid more than {$1600.00} per year {$800.00} per semester. I consolidated all my loans after my graduation and started paying {$300.00} per month for a couple of years. At that time I was making {$28000.00} working for the XXXX XXXX XXXX as an XXXX XXXX. During this period I married XXXX XXXX XXXX. He decided that I was using too much money for myself by paying my own loan, because I was the only one working and was the breadwinner for XXXX of us. So he was determined to find a way for his debt to be paid even though he wasnt working. In XXXX, Navient in complicity with my husband deceitfully misguided me into a joint consolidated loan. My husband was verbally abusive, calling me selfish, unfit mother and used all kind of threats and intimidation to stop me from paying my loan. He contrived a plan to consolidate his debt with mine and a navient customer service representative convinced me that it was in my best interest. This representative claimed that this would be the best deal I would ever have, if I consolidated with my husband. I reiterated that my student loans were consolidated previously. The Navient agent kept on telling me : " Great! You still can consolidate and it is going to be in your best interest. The agent provided me with unclear and deceitful information such as : 1- I can re-consolidate with my husband even though I have already consolidated. 2- The joint consolidation will decrease my interest from 6 % to only 2 %. My husbands plan was to make me pay the entire loan myself. I did pay it from XXXX to XXXX until my husband forced me to resign at the XXXX XXXX and move to Florida. There, I continued paying until XXXX. Unfortunately, it is after this move to Florida that I learned my husband had been XXXX XXXX XXXX XXXX, since she was XXXX. He wanted us to be away from family and friends so he could XXXX XXXX XXXX without the watchful eye of those who loved me and my children. At this point, I was still with my husband and he was working and he did not pay his fair share. Instead, he put pressure on me and tried to force me to sign for forbearance. After I knew about better options, I refused to sign for forbearance. My husband then forged my signature in order to get a forbearance. I informed Navient about it, they told me they can not do anything. The XXXX XXXX that I suffered and knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX led to my divorce. After this traumatizing event, I was unemployed for 7 years trying to rebuild and recover from such damaging period in my life. I informed Navient about the aforementioned facts and reiterated that I am currently unemployed. Navient never informed me about loan forgiveness and/or income driven repayment. In fact, it kept on steering me toward multiple forbearances. I just learned if you work for a XXXX XXXX for 10 years, your school loan can be forgiven, I was with the XXXX XXXX for 6 years. If Navient did not fail to inform me, I would have fought to stay with the organization until I retired. I know that my student loans were around {$10000.00}. I had paid {$300.00} for 3 years before re-consolidating with my husband in XXXX. Then I continued paying for 3 more years until my abusive ex-husband forced me to resign another job. From my calculations I have paid off 80 % of the debt that I previously had. On top of it, I paid Navient for 3 more years after the deceitful re-consolidation. I do not understand how I ended up owing {$78000.00} to Navient ( seven times what I owed in the beginning )? Please, help me sort this out and allow me every concession possible in order to reduce this debt to a reasonable amount. I ask that you waive fees, reduce the interest and present a payment plan that is reasonable and that also requires my ex-husband to be responsible for his portion of the debt. Please bear in mind that I am currently unemployed due to XXXX XXXX wickedness and I explain : XXXX and I have an XXXX son of whom we share a joint custody. My son is in XXXX XXXX and he goes to school from XXXX to XXXX. On the week my son is with me, my employer allowed me to work 30 hours as to be home upon my son arrival. On the week he is with XXXX, they expected me to work 50 hours as to compensate for the previous week. In four occasions, XXXX did not pick up our son on the week he was supposed to, which precluded me from binding with my work schedule. I got fired from my last job since XX/XX/XXXX. If this is not yours, please let me know whom to send it to. My email address is XXXX My phone number is XXXX Thank you for your time and consideration. Sincerely, XXXX XXXX XXXX ( formerly XXXX XXXX XXXX ) | ||||||
| 10/24/2019 | Yes |
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| When I finished a semester at XXXX XXXX XXXX in the Winter of XXXX, I was told my 6 month grace period was to be up in XXXX of XXXX IF I was finished with school, but I wasnt. The advisor I had at the time told me that if I am still pursing my degree, even if I take a break, the grace period did not apply to me as long as I planned on going back to finish my degree within a year, which I did. Apparently she gave me wrong information and that wasnt at all true- 6 months after you finish a semester is when a payment is due regardless of when you are going back. The misinformation from one advisor is literally ruining my life almost 5 years later. Its not my job to check for the accuracy of information I am given by school faculty, and the fact that someone gave me misinformation which caused this whole ordeal for me and I am the only one suffering is completely unfair. I was single mom trying to finish my degree to make a better life for my daughter and myself and just like that it was ripped away from me because someone at the school wasnt trained properly, how is that even acceptable? I had no idea a payment was due, I received no letters, phone calls, emails- nothing, and the only reason I found out was because I received an alert that my credit score plummeted due to 10 missed payments on my student loans. That is where the other problem comes in, I did not miss a payment 10 times like it is being reflected on my credit report, it was a payment of 10 consolidated loan payments. Navient responded back to me about that however, and stated they are allowed to report it that way, even though it is completely misleading. Everything else on my credit report is positive except for a credit card account that was my ex 's and I was only an authorized user, so it should have never been added onto my credit report, but that is old and getting removed because it's not truly mine. That is also irrelevant because it is not the reason I am given when I am denied things due to my credit, it is always because of the late payments on my student loans. I even hired several credit repair companies that all told me there really isn't anything I can do to make my credit go up besides try and get the late payments taken care of, or wait 10 years from the date they were late to fall off my report. It's kind of ironic how I had started school to better my life, and that decision is essentially what's ruining it because of these missed student loan payments. No one wants to give me a chance because of them, I have been denied anything and everything except for places that charge you the highest amount of interest possible which I can not afford. I cant get a decent safe car, a decent safe place to live, even jobs have turned me down because missing a payment 10 times to them does not look like a slip up or a mistake it makes it look as though I am completely irresponsible. I have had the same job for a long time and recently took the plunge to try and apply for a house and was told I would probably never be accepted for a loan with that amount of missed payments because no one would trust that I would pay on time, unless my income was WAY more, which is not in my control, I wish I could make my income just change, but I can't. So I just continue to be stuck paying {$1500.00} in rent which is almost all of my income since it was the only place that would accept me because I knew the property manager, and living paycheck to paycheck. It's disgusting how I am being treated by Navient, a company that is supposed to help people who are trying to build a future by going to school and bettering themselves. They were not willing to work with me or look into the matter what so ever. The only thing they said was that they were allowed to report the missed payments exactly how they did, regardless of how misleading they were- end of discussion. I asked for the letters they supposedly sent me and I was told they didnt have them. I asked where I could find the information online on my Navient account regarding this matter or even information on my payment due dates for those loans, and the missed payments, and I was told they didnt have them. I wrote a goodwill letter, stating that I had seen people 's pictures online of letters they received back from Navient agreeing to remove late payments even when they were accurate missed payments, and I asked if they could please, please do the same given this type of situation and I was shut down every time. They stated it was illegal for them to do so, but it was done for people before, so why for some and not others, and why lie about doing it before? I feel extremely lost and hopeless, because I know it's completely unfair that I have been dealing with this for almost 5 years since they put all of those missed payments on my credit report, but everyone I turn to can not do anything about it. Contacting the CFPB, my attorney general, and the department of education are my last hopes. Please let me know of anything I could do to resolve this matter. | ||||||
| 04/27/2018 | Yes |
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| I have been struggling with private student loan payments with Navient for quite some time now. After multiple attempts to lower payments by providing my financial statement along with my co-signer financial statement to show neither she nor I have the financial means to pay, Navient has refused to lower payments. The solution has been to sign up for auto-draft to reduce the payment minimally or to pay interest only by auto-draft that still amount to only {$30.00} less than the original monthly payment. They state there are NO other options. I initially received this loans during studying at XXXX XXXX University in XXXX XXXX/XXXX from Sallie Mae at the time. I received these loans without fully understanding what a private student loan was. Sallie Mae repetitively offer these loans every semester as my only option to pay for school. The amount offered and received each semester was in no way affordable by a XXXX XXXX, when schooling was complete, nor by my mother, a XXXX XXXX XXXX. With that in mind, my payment per month is currently {$450.00} and some change. I make roughly $ XXXX/month with expenses at roughly $ XXXX/month before adding the Navient payment into the mix. I mailed in hard evidence in XX/XX/XXXX ( attached ) of my financial hardship listing ALL bills I currently pay with my income and copies of a majority of bills ( only lacking those that do not have monthly statements ) highlighting the payments I am making to show them I am not trying to scam them out of money and just simply asking for a payment I can afford without having to go into default or file for bankruptcy. I received a generalized response in the mail ( attached ) stating that they would try to lower the payment if I contact a loan representative by phone. My first attempt to lower my payments, I received a great agent that seemed to be trying to help me as much as he could. He stated there may not be anything he could do to lower it but he would look through everything and try. I asked him about options of consolidating my private loans through them. He quickly stated they stopped consolidating private loans recently. We went through my financial statement again, even though I had sent in a letter with everything including my account number and loan numbers. ( Obviously, the letter was not kept as record in my file. ) We completed my financial statement and he proceeded to ask for my co-signer 's financial information. He tried to start a conference call to talk to my mother and collect her financial statement. During the process, we were disconnected. I never spoke to that agent again because you can not request the same agent you had previously when calling back. My second attempt, I connected with a terrible agent. His name was XXXX and I wish I could remember his last name. He stated that the payments could not be lower and he had no clue why a financial statement was even taken. He knew there was no way I could lower my payments and offered the auto-draft option that doesn't not help in any way. The third attempt, my father tried to call on behalf of me and my mother to give a financial statement. He talked to a female agent, who was friendly and apologized for XXXX stating that the payments can not be lowered. She stated there are other options out there they could offer but would not allow my father to go forward on my account without me present and recommended that we do a one month forbearance until we have everything situated since my payment was delinquent at this time. Fourth attempt, I called and talked to XXXX. He was very pleasant. I explained my situation and asked for forbearance for the month of XX/XX/XXXX. He asked why my payments haven't been lowered yet and I told him they were waiting on my co-signer 's financial statement. He made it seem like there were options available for a lower payment. I paid my forbearance for XX/XX/XXXX and did not have another payment due until XX/XX/XXXX. This gave us time to get my mother 's financial statement together and talk to an agent to hopefully get everything settled. Today, XX/XX/XXXX, my father contacted them again with my mother on the line since she has access to the account as my co-signer. After giving a financial statement, Navient came to the conclusion that payments can not be lowered. My only option from here forward is to make interest only payments for 6 months which would be {$420.00} per month auto-drafted. As a XXXX XXXX, I would not have been able to make these payments and would have already filed for bankruptcy many years ago. A few years after school, I realized I would never be able to pay back my private loans with a XXXX XXXX salary and went back to XXXX school. I figured I could make more to pay them off quicker. With government financial help, I received my XXXX and hoped for a better life financially but unfortunately I am still unable to make the minimum payment on a registered nurse salary. All I ask is for a lower, affordable payment so that both sides win. | ||||||
| 12/12/2018 | Yes |
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| XXXX XXXX XXXX is Garnishing my wage to collect a Student Loan debt discharged by a settlement agreement approved by a Federal Judge on XX/XX/XXXX. I am a former XXXX-XXXX Institute student and as former student I am sure that XXXX-XXXX used my personal information to request loans that I did not signed for which I would consider the stealing of my identity. ( There is no way that I will owe the XXXX XXXX XXXX XXXX XXXX XXXX an amount close to {$25000.00} USD in addition to The Department of Education over {$52000.00} USD for an XXXX XXXX program ). I am not refusing to make any payments. All I am asking is for detailed breakdown of the debt as my consumer rights. When I saw the notices from XXXX XXXX XXXX, I already knew that Navient could not verify the loans validation when I fought against them, which resulted in placing the loans to {$0.00} balance owed ( Attached to this complaint ). This resulted in the selling of the debt to XXXX XXXX XXXX ( A subsidiary of Navient ). When I requested Debt Validation from XXXX with full breakdown of the loan amount to separate any private loans from federal loans to perhaps make an agreement to pay what is legit, they sent me papers - under their assumption - to be valid documents, but I did not agree to such information because it just contained an electronic name and social security number with inaccurate information. All I am asking The Consumer Financial Protection Bureau is to stop this collection agency from illegally garnishing my wages. They are acting against the law with this action because they are not a federal collection agency authorized to issue an Administrative Wage Garnishment. XXXX XXXX XXXX issue XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX to threat my employer with the letters attached to this complaint. I have no idea where the Garnished money is going to because all they are doing is collecting 15 % of my weekly pay without sending me any statement showing where the money is going against or if it is going to where it is supposed to go. I could be paying for the rest of my life through Wage Garnishment if CFPB does not stop them from continuing with this violation and never payoff the amount. XXXX is causing me a financial hardship and I need your help stopping them from garnishing my wages until they provide legitimate debt validation. If they provide legitimate contracts and validated documents, I will have no problem in setting up a payment plan, but as of now they are acting against the Consumer Financial Protection Act ( CFPA ), the Consumer Financial Protection Bureau ( CFPB ), the Fair Debt Collection Practices Act ( FDCPA ), and the local state law of Massachusetts 940 CMR 7.00 DEBT COLLECTION REGULATIONS section 7.04 ( 1 ) ( b2 ). Currently, there are three pending actions of civil litigation against XXXX formally brought by a government agency that have not yet been resolved. Two cases were brought by the State Attorneys General of Illinois and Washington. The third case was brought by the CFPB on behalf of the federal government. In XX/XX/XXXX, the Illinois Attorney General filed a lawsuit against Navient Corporation, its subsidiaries Navient Solutions Inc., XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX and Sallie Mae Bank, over widespread abuses across all aspects of its business, including student lending, student loan servicing, and student loan debt collection. Also, in XX/XX/XXXX, the Washington State Attorney General filed a lawsuit claiming the business is in violation of state law prohibiting violations of the Consumer Protection Act, relating to the origination, servicing and collection of student loans. ( Those practices included improperly steering financially distressed students toward short-term for bearances, engaging in aggressive and misleading collection tactics, and more. ) In response, XXXX alleges all the charges are unfounded, and that the timing of these lawsuitsat midnighton the eve of a new administrationreflects their political motivations. The third action was filed by the CFPB. In a 66-page indictment, the CFPB has alleged widespread fraud and abuses by Navient and its subsidiaries, including violations of the Consumer Financial Protection Act ( CFPA ) ; the Fair Credit Reporting Act ( FCRA ) ; and the Fair Debt Collections Practices Act ( FDCPA ). Charges include allegations that Navient and its subsidiaries routinely steered borrowers to repayment plans they knew would result in higher costs to borrowers ; deliberate misadministration of payment processing and repayment program enrollment ; deliberate misreporting of credit information to the credit reporting agencies ; deliberately misinforming borrowers about credit reporting practices and collection fees ; routine payment processing errors ; and other deceptive and unfair practices that often resulted in financial gain to Navient and its subsidiaries. XXXX posted a response to this action that also denied wrongdoing and accused the CFPB of being motivated by politics. | ||||||
| 09/16/2017 | Yes |
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| My family received a letter from a debt collection agency one month after my mother 's XXXX, requesting her XXXX XXXX in order to cancel her debt. Shocked, not only from the request but also the unknown debt of a PARENT PLUS loan she had taken out to ensure that I could afford college and become the first to graduate. " XXXX '', a company I believe to have a CEASE AND DESIST order in my state, indicated the debt to be rounded to {$29000.00}. This shed light on how many bills I received weekly from collection agencies " outside the state ''. Naive in the beginning, attempting to care for my XXXX daughters and learning about building credit. The calls and the mail became heavier and heavier and I focused too much on paying fraudulent/disguised debts to barely provide for my children and sleep through hunger to pay my private loan while I was enrolled in the PSLF Program ( so I thought ), I took pride in following my hear to serve troubled youth from XXXX and presently promoting higher education. To be honest, what I am experiencing with Navient, XXXX, XXXX XXXX, XXXX College, XXXX College, affiliates, agencies, and partners makes forces me to question and become resistant to place higher education in a positive light. -Navient : 3hr 30min+ XXXX/XXXX/XXXX - XXXX/XXXX/XXXX - XXXX - XXXX/XXXX/XXXX -StudentLoans.Gov : 2 hrs + -ECSI : 1hr 5min + XXXX/XXXX/XXXX - XXXX/XXXX/XXXX - XXXX/XXXX/XXXX -XXXX : 27min talk time 36 min listening to classical music waiting .... Phone time talking/waiting ( mostly ) " XXXX '' " -Both College Institutions : CAN NOT pull info once the debt is paid nor find it, nor identify who paid it, or who it was sold to. ( Navient Claimed the same until I obtained records. Issues : Fraud, Duress, Coercion Lack of Support, Lack of Responsibility, Lack of Appreciation and Accountability Failure to Inform, False Information ( i.e Every representative has a different answer on all parties involved ). False Documentation / Mailings Privacy Violations Loan amounts and failure to disclose purchased/sold loans Denial of affiliation and received faxes / documents / requests of information Altering documents and information to profit I began with XXXX XXXX and was not informed of the separation until I logged into my account to pay my balance. I have met qualifications for PSLF programs for years now and still possess families sent to all agencies confirming my job duties and pay stubs yearly to be told none of them count, due to XXXX being the only servicer to monitor the payments. By the way, I have never heard of them until recently and submitted proof to services and studentloans.gov. I am now told none of them count unless consolidated. Not to mention, this call came from a hired collection agency which purchased the debt at a discount from my servicer. Every conversation with Navient is changing their approach and language, in order to admit to ONE THING ... .. " You hired a third party to consolidate your loans!? We do not recommend that because we offer those services for free. '' ... ... No Navient, you hired them. How else would they receive my info and know my " Navient '' balance if it was not accessible to them through studentloans.gov? Not to mention the consolidation form for the XXXX XXXX XXXX XXXX that appeared in thin air was 5 months past the expiration date .... If I was at 0 $ / month why would I consolidate and owe {$250.00} on interest only AND lose all of my years for qualifying for serving the youth in my community for higher education?!! Now I must start over and do another 10 years???!! What saddens me the most is to make deals with my colleges by canceling the loans offering less than 25 % of what the debt was to somehow come way too close to what my mother owed at {$27000.00} then XXXX after interest. Not to mention IF I turn in the XXXX XXXX, that will count as taxable income towards me during tax season. All I asked of the company was to freeze the account and fix my PSLF payments and take away the interest that has built up after Navient paid everything but {$2.00} to my public school causing me to default without ANY notification. In public service, I do n't make a fortune, but do it because I enjoy it and hope I am able to assist youth in higher education to better themselves. Honestly, whatever happens ... I need to better myself and focus on my own children, I am sad to say I have spent too much research and time disputing county and state man-made U.S mail and letters which I am supposed to believe come from Indiana, Georgia, and Pennsylvania? I am not from any of the mentioned states, but I promise the mail is produced a few miles from my home, this I know for a fact. So are some of the collection agency 's accounts added into my consolidation that did not exist before, I 'm aware of the algorithm and targeted individuals. Although my rights have been infringed upon, again and again, my spirit will live forever and remain debt free. Thank You | ||||||
| 07/28/2020 | Yes |
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| 1. Navient has repeatedly denied my XXXX Student Loan Application even though proper documentation has been provided and I qualify having worked six ( 6 ) consecutive years in a qualifying school. My first application in XXXX was denied because Navient claimed they could not find the names of my two XXXX on the XXXX directory due to a XXXX name change. I contacted Navient to dispute the rejection and gave them the proper information and they rejected the application for a second time. I received no response for this second rejection. After three weeks I contacted Navient to inquire about the status of the review of my first application and was told it has been rejected, but I received no information from Navient indicating this. I contacted Navient five separate times attempting to gain a specific understanding of why it was rejected for the second time and I received five separate responses from five separate customer service representatives and supervisors. One supervisor indicated I would have to have Human Resources fill the verification out again and list all of the possible names changes the XXXX may have to be able to match it to the XXXX website directory of eligible XXXX for XXXX Student Loan Forgiveness. This updated application with the requested information was submitted on XX/XX/XXXX and a rejection ( the third ) listing the same reasoning was send at XXXX XXXX on XX/XX/XXXX ( Saturday ) even though it contained all of the required information Navient requested. I contacted Navient once again on XX/XX/XXXX at XXXX XXXX and the customer service representative viewed my application and looked up the XXXX listed on the application on the XXXX website and found them all listed properly and could not give me a reason that the application was rejected and resubmitted it for review once again. I have not received a response from this 4th submission of the same XXXX Loan Forgiveness application. 2. At the same moment I received the third XXXX Loan Forgiveness rejection ( XXXX XXXX Saturday, XX/XX/XXXX ) I also received notification that my loan had been placed in forbearance. At no time in the customer service calls did I request forbearance. I did not fill out any applications for forbearance. At no time did a customer service representative indicate that this would occur. Upon contacting customer service on XX/XX/XXXX at XXXX ) a Navient customer service representative indicated that at the time a XXXX Loan Forgiveness Application is rejected the company will automatically put the loan into forbearance without the permission of the loan holder. However, this " automatic '' forbearance did not occur after the first two rejections of my application in XXXX and XXXX. The customer service representative could not explain this discrepancy. Navient 's website also indicates that if a loan is placed in forbearance that the loan holder must wait an extended period before being allowed to apply again. This automatic forbearance policy is in direct contradiction to their policy that forbearance prevents a loan holder from applying again in the near future. I requested that my loan NOT be placed in forbearance, that it be removed and a note indicating that forbearance was at the request of Navient and not myself be placed on the loan information. I also requested information on how to make a formal complaint with Navient itself. The customer service representative ( and myself ) could not find a place for me to submit this complaint electronically and gave me a physical address to mail the complaint. However, she also indicated that this mail is a general mailing address and it would be up to someone in the company to ensure it was given to the correct department and that there was no way for me to submit my complaint directly to any department that dealt with complaints. I would just have to hope the complaint was forwarded to the correct department. Overall, there is a clear problem within Navient regarding XXXX Student Loan Forgiveness. Calls to customer service provides conflicting and confusing information or no information at all. One representative indicated that the problem lie with the institution filling out the application, even though the HR department at XXXX XXXX properly filled out the forms as indicated by the directions on the forms. They also included all of the extraneous information demanded by Navient and the application was still rejected. Several representatives have told me I have all the required information and that they are able to located my XXXX on the XXXX Directory for the corresponding years on my application and they can not tell me why the application continues to be denied. This issue has been ongoing since XXXX of 2020. My XXXX Student Loan Forgiveness Application is submitted below showing all of the information properly indicated and my eligibility for this loan forgiveness. I have also included Navient 's communications rejecting the applications. | ||||||
| 07/10/2017 | Yes |
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| This case relates to habeas corpus ad subjiciendum, an egregious sub-prime strategy to gain the federal market dominance, deceptive unjust enrichment, and without due process behind the veil of a corporate structured monopoly without internal controls and accountability resulting in omissions with conscious indifference. This monopoly, without procedural due process and operating under vague laws with government involved federal loans, violated the plaintiffs fifth and fourteenth amendment due process clause, deprived him of his financial and economic liberties while extorting and imprisoning his joint contracted liable cosigner with malicious human leverage to further extort with deceitful asset management practices with intent on inflicting emotional distress for unjust enrichment and debt collection practice omission with conscious indifference on a non-federal student loan ( s ), Private Signature Loan, which undisputed evidence articulates an egregious sub-prime loan with an annualized XXXX % interest rate fully amortized over XXXX years totaling principal, payment to date, and total amount in collections as of XX/XX/XXXX. The statement of this claim arises from XX/XX/XXXX to XX/XX/XXXX that references factual evidence of documented damages of the plaintiff that clearly articulates the evolution of monopoly conglomerate parent company 's executive team controlling the student federal and private financial products and services supply chain of : 1 ) predatory subprime lending ; 2 ) unlawful asset management and risk mitigation practices ; and 3 ) abusive collections processes, all in indisputable violation of 15 U.S. Code 1692k ( a ) ( 1 ) and 12 U.S.C. 5531 ( c ) ( 1 ) ( A ). Exhibition - Habeas Corpus Ad Subjiciendum TABLE OF CONTENTS Original Petition Habeas Corpus Ad Subjiciendum Statement of Claim Background Facts Plaintiff Epistemology XXXX % IRR Amortized ( XXXX Year Period - Defaulted ) Economic Imprisonment ( Jointly Contracted ) Defendants Epistemology XXXX XXXX XXXX XXXX. & XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX - XX/XX/XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX , CFO XXXX - XXXX XXXX CEO of XXXX XXXX ( XXXX ) XXXX - XXXX XXXX CEO of Navient Corp. ( XXXX ) Board of Directors Approved XX/XX/XXXX XXXX XXXX shareholders receive one share of Navient common stock for each share of XXXX XXXX common stock held by them on record of date. XXXX Unjust Enrichment Aggregate Salary XXXX XXXX Request and Closing Preservation of Evidence Notice of Authentication Rule 193.7 Closing Federal Rule of Civil Procedure Declaration U.S.C. 1746 - Signation - XX/XX/XXXX EXHIBIT A Corporate Unveiling. Acquisition of XXXX XXXX XXXX - XXXX XXXX Press Release XXXX XXXX Strategic Separation XXXX XXXX Press Release XXXX XXXX XXXX XXXX ( Violation of Federal Securities Law ) XXXX Corporate Epistemology Admission of XXXX XXXX, CFO XXXX Form XXXX XXXX - XXXX Signatures XXXX XXXX XXXX, Vice Chairman and CFO - Fiscal Year XX/XX/XXXX XXXX XXXX XXXX, Vice Chairman and CFO - Fiscal Year XX/XX/XXXX XXXX XXXX XXXX, Vice Chairman and CFO - Fiscal Year XX/XX/XXXX XXXX XXXX XXXX, EVP and CFO - Fiscal Year XX/XX/XXXX XXXX XXXX XXXX, EVP and CFO - Fiscal Year XX/XX/XXXX XXXX XXXX XXXX, EVP and CFO - Fiscal Year XX/XX/XXXX XXXX XXXX XXXX, CEO and Director - Fiscal Year XX/XX/XXXX Principal Executive Officer and Principal Accounting Officer Board of Directors Reduced to XXXX XXXX XXXX XXXX, CEO and Director - Fiscal Year XX/XX/XXXX Board of Directors Reduced to XXXX XXXX XXXX, CFO Principal Financial and Accounting Officer XXXX XXXX XXXX, CEO and Director - Fiscal Year XX/XX/XXXX XXXX XXXX XXXX, CEO and Director - Fiscal Year XX/XX/XXXX EXHIBIT B Undisputed Evidence of Egregious Unjust Enrichment LOAN 1 DETAILS ( as of XX/XX/XXXX ) Subprime Variable Interest {$12000.00} - DisbursedXX/XX/XXXX Co-Signatory : XXXX XXXX XXXX XXXX LOAN 2 DETAILS ( as of XX/XX/XXXX ) Subprime Variable Interest {$14000.00} - DisbursedXX/XX/XXXX Co-Signatory : XXXX XXXX XXXX XXXX Account Summary ( as of XX/XX/XXXX ) Past Due and Default Amount = {$2600.00} Total Default Balance = {$40000.00} Original Principal = {$27000.00} Paid to Date ( XX/XX/XXXX ) = {$13000.00} ( See E ( 3 ) Aggregate Total = {$54000.00} XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX Inconsistent Reporting XX/XX/XXXX - Pays or Paid as Agreed - XX/XX/XXXX Complete Credit File ( as of XX/XX/XXXX ) - eConsumer XXXX Litigation Review - XXXX XXXX XXXX ( XX/XX/XXXX ) Plaintiff XXXX Request for Release of Co-Signer Documentation Navient Controlled Intranet Correspondence Process XXXX months on Business to Consumer XXXX days on Consumer to Business XX/XX/XXXX- Loan to Date Categorized XXXX Co-Signer Release Attempt Denied Continuous Payment XX/XX/XXXX - XX/XX/XXXX Navient Account Transaction History ( as of XX/XX/XXXX ) Mailed Correspondence ( XX/XX/XXXX ) " Economic domo servitutis ... nemo locupletari debet cum alien iactura '' | ||||||
| 11/30/2018 | Yes |
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| I talked to navient maybe a months ago about not being able to keep up with the $XXXX payments becuse my income is barely XXXX months. When I talk to the person in charge of my account at that time they explain to me to go ahead and call back and they would work something out when I could make payments again. They did not say that my account would possibly be sent to litigation and again I explained my financial hardships that I just couldn't afford to do it at that time. Since then I got a call about a good-paying job I start towards the end of XXXX and I called navient last Wednesday and spoke to a man by the name of XXXX. He explained to me because I hadn't made the payments in a month and said that it was breach of contract that it was now going to be sent to litigation, but that I could set up three monthly payments of $XXXX and come XXXX work out a way to get back in the payment program. I called him today to make $XXXX payment and he added as I was talking to him that even though I'm squeezing what money I can to do $XXXX payment this month's one in XXXX and one in XXXX and then he said we would revisit doing a payment plan, because my accounts is in a discharge status. He went on to tell me even though that I'm making these payments to show good faith and paying my loans that my account could still be sent out to litigation so again this is the second time I've tried to work with navient and I cannot get anywhere I've had a lot of financial hardship and they tell me one thing when I call one time and then the next time I call they go well this might not do anything. I have XXXX and the way that they have treated me over the years and especially previous to this they were always degrading and would not let me talk and interrupting me. I've told them over and over again my financial status what I can afford and they were never willing to meet me halfway or say will take what you have because at least you're trying to pay. I do not understand how navient can do this to people when they are willing to pay what they can afford my income is very limited and this is not stress that I need considering I have a XXXX. I hope in reaching out the Consumer Financial Protection Bureau again that there could be a stop to this because my hands are tied financially and I have to be able to pay bills and eat. I'm concerned that if I make these other payments that may still get sent to litigation in which case they will ask for I believe up to $XXXX at once and there is no way I can afford to do that. I hope again the Consumer Financial Protection Bureau can help me in this situation because there's absolutely no reasoning with these people on top of the fact I have record of excessive phone calls up to four times a day for a month month-and-a-half which I'll gladly provide. Most of my conversation with customer service at navient has been degrading me greatly saying I had x amount of years to pay this off but not understanding that people have Financial hardships I'm stuck between a rock and a hard place. They will also tell me one thing and then say something else when I call back so I'm never getting a straight answer. I need the help of the Consumer Financial Protection Bureau to help in putting me into a payment that I can afford that allows me to pay off my student loans otherwise I'm never going to be able to pay this off. If it was up to me I would have never taken loans but I'm from a single parent family very low income and I did what I have to do to get my education so that I can better myself. When I told them that I would have to reach out and file a complaint with some sort of Protection Service, they said that it's a breach of contract and it nobody could do anything about it and it's very frustrating to try and work with people that are unwilling to work with you regardless of this or any situation I'm willing to do what I can but I can only do what I can afford I got to eat and pay other bills too. Even the payments that they offered me before we're still more than what I was paying originally it just makes no sense they want money but they don't want to work with anybody to come up with a way that they can get something from people regardless of how old the loan is. Excessive harassing phone calls I received from navient from 2017 so everybody can see how aggressive they are in their unfair debt collection practices XX/XX/2017- from phone # 6 navient XXXX XXXX XXXX XXXX XX/XX/2017- from phone # 7 navient XXXX XXXX XXXX XXXX XX/XX/2017#-7 and #6 navient XXXX XXXX XXXX XXXX XXXX XX/XX/2017- #6 and# 7 XXXX XXXX XXXX XXXX XXXX XX/XX/2017-#6 XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XX/XX/2017 1XXXX XXXX XXXX XX/XX/2017-# navient XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017-navient#8 and 6 XXXX XXXX XXXX XXXX XXXX XX/XX/2017-#6 and 8 XXXX XXXX XXXX XXXX XXXXXX/XX/2017#8and 9 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017-#8 XXXX XX/XX/2017 XXXX XX/XX/2017-# | ||||||
| 02/23/2021 | Yes |
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| I write to file a complaint against NAVIENT and a possible collection Scam by TWO Debt Collection companies that are BOTH contacting me for the SAME DEBT. XXXX XXXX was the Lender for my Student Loan. My payment history has always been outstanding over the years. I never missed a payment. When my financial situation dropped, due to the XXXX economical crisis and later on, by my separation, I found myself becoming a single mom of a XXXX years old baby and it all became very hard on my finances. That didnt stop me from trying to still make payments on XXXX XXXX Loan. I could not work full time anymore with the baby and as a single mom, so I requested my Lenders to lower my payments. When my Loan went from XXXX XXXX to Navient, thats when the problems began. When my financial situation became unbearable, I tried all avenues to work with my Loan holders but the result was a complete absence of acknowledgement of my situation in a completely unprofessional manner. My Loan Holders pretended never to have received the numerous letters and e-mails I sent ( I kept all copies of them on file ). I was approved for an Income Driven Repayment Plan the year before and all they had to do was to re-approve for the new year plan. In my last communications I came to the point to even exhort them to look at my financial situation. They were sent all the papers that showed my income and my financial struggle in having to make full payments. I had every right to request a lower payment and a lower percentage based on my income. I already had all the papers approved the preceding year and it was just matter of them renewing with a signature for the new year that would allow me the continuation of lower payments into the following year. It was not a request. Just a simple renewal! They only had to review my tax return to confirm that my situation hadnt changed. They pretended not to receive my papers and made the due date pass. They pretended not to receive any of my communications. I wrote to them and sent my papers to them 5 times. I called them and let them know that everything had been sent in. Their following action was : they made the due date pass so that they could proceed in sending me a request of a payment in full. It was transparent that their entire action was deliberately taken to this path. I then wrote a certified final e-mail to them so I could have profs of validity in court if needed and they never replied to it. At that time I did not absolutely know how to handle this case anymore. I even wrote to them that the anxiety and psychological pressure they were putting on me by not acknowledging my letters and forms sent in was unbearable and was getting me sick. I did not have finances to hire a lawyer. From overseas it is hard to find solutions as well. Only now I come to know that Navient has committed numerous infractions like these and has been sued by numerous students for their illicit actions. Now, because of their unethical conduct, I find myself paying the consequences of an escalated outcome. I was contacted by not one but two Debt Collectors companies requesting me to pay an immense sum on a Student Loan for which I do not recognize the amount nor the Lenders Name. Both companies are contacting me on the SAME DEFICIENT LOAN SUM. The sum corresponds in no way to the amount of my Loan and the Lender is under a name I do not recognize. I understand that all my effort in paying off my original Loan amount has for sure been completely destroyed by interests and fees. But this amount is double what I own. And how can such request come from two companies at the same time? Im probably the subject of a Scam Ive sent a validation request to the first company listed as Pioneer Credit Recovery Inc., XXXX. XXXX XXXX, XXXX, NY XXXX and Im in process of sending a validation request to the second company listed as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ma XXXX but with a letter that came not from this address but from the following : Dept. XXXXXXXX XXXX XXXXXXXX, XXXX, Ca XXXX which address I looked up online and it is being listed as a scam company. These are some links https : XXXX https : XXXX Im absolutely freighted from having to deal with such a situation. I have no idea if these companies are real or fake or if a Lender has sold a debt to both of them. I do not absolutely want to release my personal information to any of these two Companies until Im absolutely sure they are legitimate. I also find it completely absurd that I have to pay for the illicit actions of my Lender if the debt comes out to really be the one I own but with a doubled amount. Please Let me know how I should proceed from this point. I will file a complaint with the CFPB, State Attorney General, State Department of Education, Federal Trade Commission and try to take all the steps necessary to resolve the issue. I would be pleased to receive any input on how to proceed on this matter. Sincerely | ||||||
| 05/19/2021 | Yes |
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| My complaint is highly related to incorrect financial reporting/abuse conducted by Navient and Studentaid.gov. In XXXX I consolidated my student loans with Sallie Mae so that they were all with one lender, Sallie Mae. Later down the road I was notified by another lender that I was late or have missed payments on my student loans, but what turned out to be an error in which an account was left off consolidation. So in XXXX, I had to do another consolidation to include the missing account, which was a very small amount XXXX {$3500.00} XXXX. The statement received in XXXX of XXXX shows that my total balance was {$52.00}, XXXX. Some of my loans were with other lenders even though I had consolidated them all with SallieMae. In XXXX, some of my loans were given to XXXX by Federal Student Aid, and I am not sure why as XXXX was never my lender and I had not requested them during any consolidation application. XXXX begin to report XXXX via my credit ) in the later part of XXXX and had placed these accounts on my credit file with late payment marks, affecting my credit worthiness, which is what in part prompted bankruptcy. I sent them a good faith letter asking them to remove the late payments, as my loans should have never been assigned to them, but they refused to help. They advised me that I needed to contact Federal Student Aid to see how some of my loans were assigned to them. I ended up having to do another loan consolidation, as I did not want any of my loans with any other lenders. I have only and always selected SallieMae/Navient. When SallieMae changed to Navient things just seem to go downhill and they have not been the same. My loan balance was {$52.00}, XXXX as of XX/XX/XXXX, and skyrocketed to {$84000.00} by XXXX. I have not taken out any student loans since XXXX, as I was near the XXXX loan max of {$57000.00}. So I contacted Navient in again XXXX to have the matter regarding the incorrect balance corrected and for them to provide me proof. I requested for them to send me all promissory notes, loan disbursement dates, all consolidation applications ( along with dates submitted ), and loan amounts provided. I have yet to receive all of this information. What I did receive were letters that all did not have dates, and I was only provided partial of the requested documents, so I could not compare the details against the financial aid documents I recently ( XX/XX/XXXX ) obtained from all institutions that I took out loans with. I am not even able to match the account numbers reported on my credit file to any information with my studentaid.gov account or within my Navient account. If there were 8 consolidations done on my account, why was I not provided with all XXXX applications with dates so that I can reference my notes. I was also being charged interest while in-school XXXX years XXXX XXXX, and year XXXX ) and on both loans and Navient advised me that none of my school were not reporting me as enrolled. I then provided them documentation XXXX enrollment letter XXXX that I was in fact enrolled. They still refused to modify my account. I then ( still in XXXX XXXX filed a complaint with the Ombudsman department, as I was not receiving the information I requested from Navient. I have been working on this concern for over 3 years, and I recently ( XX/XX/XXXX ) filed another complaint with the ombudsman group regarding this entire concern, and they basically recapped everything I had told them, in an email back to me without additional details or guidance that was received on XX/XX/XXXX. On XX/XX/XXXX - I filed a case with the ombudsman group regarding the incorrect balance of my student loans reporting on my credit reports, and also because Navient has not provided the requested information I've asked them for. On XX/XX/XXXX - I called Navient, spoke with XXXX, and we spent over an hour trying to go over my consolidations and loan details. XXXX advised me that there are only two loans were taken out by SallieMae, and that she shows 4 consolidations being done on my account. However, when I log in to my studentaid.gov account it shows that 8 consolidations were done on my account. Some of which do not show where the attending school was nor how much was taken out per term, they only show high balances. A consolidation is to bring all accounts into one account for easy management and it seems that my consolidations were consolidated from a consolidation into another consolidation, only to be consolidated again. Meaning, it seems as if balances that were already included in the consolidation were added again when the consolidation was corrected, only it was still not corrected. This is highly frustrating. There is no way that my loan balance increased well over $ XXXX within a XXXX year period, when I never exceeded XXXX loan maximums. I really do not know what else to do at this point and I feel as if I have exhausted all of my resources. Please help me!! Please.. | ||||||
| 10/25/2017 | Yes |
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| I want to warn people before they attend this " college ''. I wish I would have done some research before enrolling at University XXXX XXXX online. In XXXX, I was a new mother of XXXX beautiful girls who were XXXX and XXXX at the time. We lived in XXXX, CO. I was -- and still am -- a XXXX XXXXt. I worked for lXXXX XXXX XXXX XXXX, and XXXX at home and my ex was a XXXX XXXX XXXXt at the FBI headquarters in XXXX. I was contacted by a XXXX representative and initially, I did not want to enroll, but she talked me into it. She got down and related to me on every level in order for me to get the loan. She also brought up the fact of the money I 'd be able to receive and that I could use it for anything I needed or wanted, and that was money I did not have to pay back. She repeated the amounts over and over, then proceeded to ask me if I was ready to start the application process. I was really excited because she told me how easy it was going to be to repay, how easy it would be to find a job, and how it would benefit my children. Oh, how my life would change, she told me -- and indeed, it has changed ... I left my ex at the end of XXXX and moved from XXXX to XXXX XXXX with my XXXX small children. I continued to work as a XXXX but had to move in with my brother when I got to XXXX XXXX. I lived there for about a month when I received a check from the XXXX Grants. I was able to get my own place and try to get things stable again. I continued going to XXXX and even though I had lower grades during this timeframe of transition, I was still passing. I thought how wonderful this is that they are sending me checks. I did n't realize where the money was coming from -- our tax dollars. I was so naive and in such a bad place in my life that I thought this would be an incredible solution, fix everything, right? In XXXX I XXXX with an XXXX XXXX in XXXX XXXX and XXXX. I also had become pregnant with my third child and was due in XXXX XXXX, XXXX, in which I had a c-section. My now husband and I moved a few times around XXXX XXXX, then eventually closer to his job to XXXX, CO. I started looking for employment right away. I started putting in applications at all sorts of places ; local government, computer stores, computer repair shops, police stations, courthouses, XXXX, XXXX, XXXX, XXXX, XXXX, the list goes on and on. I applied locally, I applied for positions that required you to move to another state, I looked for online positions, customer service positions, everything you can think of, I had put in nearly 1,000 resumes to these companies. Got one response from XXXX for a position that offered {$XXXX} a hour for an at-home tech. Someone else was hired after my interview that was more qualified. During this, XXXX academic advisors were contacting me. I finally responded and wanted to start repaying my loans as they were getting pretty high, in the {$XXXX} range. The rep stated how I could continue to go to school and I would n't owe anything until I was out of school. He told me -- now this is a new advisor -- that I would do so much better on my job search if I had a bachelor 's. He said it was n't that much more and I 'd be sure to get a great job then. I caved. He also told me how much more money I 'd get and emphasized on the fact that the grants I did n't have to pay back, and the loans would be incredibly easy to pay off once I got my " new job ''. I got the XXXX XXXX in XXXX XXXX and XXXX in XXXX. I was so excited, I reapplied at every single position I could find relating to computers, software, hardware, repair, web design, you name it! Nearly 2,000 resumes submitted later, I got one response : ridicule. " You went to XXXX online? You are a complete XXXX. '' I did n't get one interview. I continue to transcribe ... I had to get paying on these loans. Now I 'm at {$XXXX}. New academic rep! " You know ... if you get your master 's, you 'll have so much more of a chance of getting a job. '' Same routine, same exact target on my kids, my future, and now we 're getting into loans. " You wo n't have to start paying back until XXXX months after you graduate. '' Okay. What can it hurt? ( It 's not that expensive, either! He also stated ). Fast-forward to XXXX. Graduated with a XXXX GPA with a XXXX. Applied again at all of the places mentioned above, got one interview. The interviewer stated " Interesting, '' when she found out I had attended XXXX ... did n't get a call back. That was for a grocery store manager ... one of the most simplest positions in the world, which I actually HAD experience doing, and they hired someone without a degree. What am I going to do here? I have XXXX children, XXXX which has XXXX, and I 'm stuck with a $ XXXX bill that I can not even begin to imagine paying off at the amount of money I currently make. The bill will continue to grow each month due to interest, and here I am, on XXXX and XXXX XXXX for the time being, and I ca n't do ANYTHING about it. | ||||||
| 07/18/2022 | Yes |
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| On XX/XX/XXXX at XXXX am I called Navient to bring my account current after having missed 6 payments. I spoke to " XXXX ''. She asked that I make a one-time payment of {$920.00} to bring my account current. I agreed. We discussed how I could have a lower payment on my loan for the next six months by enrolling in an autopay repayment plan. I have enrolled in this plan several times so nothing seemed out of the ordinary to me. I made the one-time payment of {$920.00}, and then using Navients ' automated telephone system, agreed to pay {$980.00} for the next six months, beginning on XX/XX/XXXX. A confirmation number was given to me for the transaction. I gave my " e-signature '' and agreed to the terms, as usual with Navient, using the pound sign. On XX/XX/XXXX, {$1000.00} was withdrawn from my account instead of the {$980.00} that I had consented to. XX/XX/XXXX at XXXX am, I called to ask why the amount withdrawn from my account was not the amount that I agreed to. The first agent that I spoke to told me that there was no record of me enrolling in a repayment plan. I said that was ridiculous because I had the confirmation number, had gone through the automated telephone system, and had agreed to payments, starting in XXXX, for six months. This agent expressed that I was wrong, that never happened and there was nothing he or I could do, unless I let my account go delinquent and called back next month, in which case they could sign me up for a repayment plan, after my account is overdue. I said that's ridiculous because my account was delinquent in XXXX and I did call and sign up for a repayment plan. He said, no, you did not sign up for any payment plan. I asked to speak to someone else because clearly there had to be something wrong and this agent was not going to help me. I was transferred to " XXXX '' the " supervisor '' who informed me that I was not enrolled in a repayment plan. XXXX suggested, like the last agent, that they could stop auto-pay and force my account into delinquency and that I could call back next month and then try to enroll in a repayment plan. Again, I expressed how ridiculous this idea was because I just brought my account out of delinquency, and each time the interest compounds and my loans only get larger, making Navient more money. I was already supposed to be enrolled in the program that I agreed to on XX/XX/XXXX. XXXX said that there was nothing that he could do and he wasn't there for the conversation that I had with XXXX so he doesn't know what happened. I expressed my deep concerns that they are withdrawing amounts of money from my bank account that I have not agreed to, and he said that by pressing the pound sign on the automated telephone system that I did agree. I told him over and over again that what I agreed to in the automated system, was six payments of {$980.00} beginning in XXXX. After much back and forth, XXXX said verbatim, " We mislead you '' and " I'm very sorry that happened '' but offered absolutely no resolution. I asked what amount I can expect to be withdrawn next month and he said, " It will depend on your interest rates '' and was not able to give me a figure. I ended the call, having no choice but to continue with auto-withdrawal without being in any repayment plan, since forcing myself back into delinquency after going through all of this to get out of it is absurd. They gave me absolutely no information, assistance, or alternatives, just the suggestion that if I'm unhappy with autopay I stop paying. Again, I don't see how this would benefit me at all, but would surely allow them to collect more interest and more late fees. I have been trying in good faith to make payments on my loans since XXXX when I graduated. I borrowed {$86000.00} and having paid thousands and thousands of dollars, as of XX/XX/XXXX ( I do not know the total amount I've paid overtime because Navient does not provide it ) I currently owe {$120000.00}. Every year I pay thousands of dollars and the following year I owe more than I did at the beginning of the last. I am never given documentation of how much I have paid, only how much I owe. I have no access to my account online, no accessible way to track my account. Everything is done over the phone where there is no paper record. Even the confirmation number that I was given for my repayment plan enrollment, they attributed only to my payment of {$920.00} to bring my account current. This is deceptive and ethically, and lawfully wrong. XXXX told me verbatim that I was misled, and yet there are absolutely no consequences for this behavior for them. I am the one forced to shoulder the burden of not knowing what number to expect to be withdrawn from my bank account each month. This was a truly infuriating exchange, especially given the recent lawsuit where Navient agreed to do better to advise borrowers. They clearly also misled the court and are not capable of ethically serving their consumers. | ||||||
| 02/23/2021 | Yes |
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| I write to file a complaint against NAVIENT and a possible collection Scam by TWO Debt Collection companies that are BOTH contacting me for the SAME DEBT. Sallie Mae was the Lender for my Student Loan. My payment history has always been outstanding over the years. I never missed a payment. When my financial situation dropped, due to the Italian economical crisis and later on, by my separation, I found myself becoming a single mom of a XXXX years old baby and it all became very hard on my finances. That didnt stop me from trying to still make payments on Sallie Maes Loan. I could not work full time anymore with the baby and as a single mom, so I requested my Lenders to lower my payments. When my Loan went from Sallie Mae to Navient, thats when the problems began. When my financial situation became unbearable, I tried all avenues to work with my Loan holders but the result was a complete absence of acknowledgement of my situation in a completely unprofessional manner. My Loan Holders pretended never to have received the numerous letters and e-mails I sent ( I kept all copies of them on file ). I was approved for an Income Driven Repayment Plan the year before and all they had to do was to re-approve for the new year plan. In my last communications I came to the point to even exhort them to look at my financial situation. They were sent all the papers that showed my income and my financial struggle in having to make full payments. I had every right to request a lower payment and a lower percentage based on my income. I already had all the papers approved the preceding year and it was just matter of them renewing with a signature for the new year that would allow me the continuation of lower payments into the following year. It was not a request. Just a simple renewal! They only had to review my tax return to confirm that my situation hadnt changed. They pretended not to receive my papers and made the due date pass. They pretended not to receive any of my communications. I wrote to them and sent my papers to them 5 times. I called them and let them know that everything had been sent in. Their following action was : they made the due date pass so that they could proceed in sending me a request of a payment in full. It was transparent that their entire action was deliberately taken to this path. I then wrote a certified final e-mail to them so I could have profs of validity in court if needed and they never replied to it. At that time I did not absolutely know how to handle this case anymore. I even wrote to them that the anxiety and psychological pressure they were putting on me by not acknowledging my letters and forms sent in was unbearable and was getting me sick. I did not have finances to hire a lawyer. From overseas it is hard to find solutions as well. Only now I come to know that Navient has committed numerous infractions like these and has been sued by numerous students for their illicit actions. Now, because of their unethical conduct, I find myself paying the consequences of an escalated outcome. I was contacted by not one but two Debt Collectors companies requesting me to pay an immense sum on a Student Loan for which I do not recognize the amount nor the Lenders Name. Both companies are contacting me on the SAME DEFICIENT LOAN SUM. The sum corresponds in no way to the amount of my Loan and the Lender is under a name I do not recognize. I understand that all my effort in paying off my original Loan amount has for sure been completely destroyed by interests and fees. But this amount is double what I own. And how can such request come from two companies at the same time? Im probably the subject of a Scam Ive sent a validation request to the first company listed as XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, NY XXXX and Im in process of sending a validation request to the second company listed as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ma XXXX but with a letter that came not from this address but from the following : XXXX XXXX, XXXX XXXXXXXX, XXXX, Ca XXXX which address I looked up online and it is being listed as a scam company. These are some links https : XXXX https : XXXX Im absolutely freighted from having to deal with such a situation. I have no idea if these companies are real or fake or if a Lender has sold a debt to both of them. I do not absolutely want to release my personal information to any of these two Companies until Im absolutely sure they are legitimate. I also find it completely absurd that I have to pay for the illicit actions of my Lender if the debt comes out to really be the one I own but with a doubled amount. Please Let me know how I should proceed from this point. I will file a complaint with the CFPB, State Attorney General, State Department of Education, Federal Trade Commission and try to take all the steps necessary to resolve the issue. I would be pleased to receive any input on how to proceed on this matter. Sincerely | ||||||
| 10/03/2017 | Yes |
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| XX/XX/XXXX I am writing due to a gross increase in loan balances listed on FSL website which occurred while my loans were being serviced by Navient. I took loans out from XX/XX/XXXX-XX/XX/XXXX in the total amount of {$83000.00}. This is the accurate accounting of the loans I took which were a combination of subsidized and unsubsidized loans FFEL STAFFORD UNSUBSIDIZED {$10000.00} XX/XX/XXXX {$10000.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$8500.00} XX/XX/XXXX {$8500.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD UNSUBSIDIZED {$10000.00} XX/XX/XXXX {$10000.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$8500.00} XX/XX/XXXX {$8500.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD UNSUBSIDIZED {$10000.00} XX/XX/XXXX {$9800.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$8500.00} XX/XX/XXXX {$8500.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$5500.00} XX/XX/XXXX {$5500.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD UNSUBSIDIZED {$5000.00} XX/XX/XXXX {$5000.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD UNSUBSIDIZED {$2500.00} XX/XX/XXXX {$2500.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$5500.00} XX/XX/XXXX {$5500.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$3000.00} XX/XX/XXXX {$3000.00} {$0.00} {$0.00} {$0.00} FEDERAL PERKINS {$660.00} XX/XX/XXXX {$660.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD UNSUBSIDIZED {$450.00} XX/XX/XXXX {$450.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$3000.00} XX/XX/XXXX {$3000.00} {$0.00} {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$2600.00} XX/XX/XXXX {$2600.00} {$0.00} {$0.00} {$0.00} This is the complete list found on FSL Website indicating the amounts due after accrued interest while with Navient. Loans Please click on numbers in first column to see details including point of contact. Type of Loan Loan Amount Loan Date Disbursed Amount Canceled Amount Outstanding Principal Outstanding Interest 1 DIRECT CONSOLIDATED UNSUBSIDIZED {$110000.00} XX/XX/XXXXXX/XX/XXXX {$110000.00} {$0.00} {$110000.00} {$1000.00} 2 DIRECT CONSOLIDATED SUBSIDIZED {$61000.00} XX/XX/XXXX {$61000.00} {$0.00} {$61000.00} {$42.00} 3 FFEL CONSOLIDATED {$90000.00} XX/XX/XXXX {$90000.00} {$0.00} {$0.00} {$0.00} 4 FFEL STAFFORD UNSUBSIDIZED {$10000.00} XX/XX/XXXX {$10000.00} {$0.00} {$0.00} {$0.00} 5 FFEL STAFFORD SUBSIDIZED {$8500.00} XX/XX/XXXX {$8500.00} {$0.00} {$0.00} {$0.00} 6 FFEL STAFFORD UNSUBSIDIZED {$10000.00} XX/XX/XXXX {$10000.00} {$0.00} {$0.00} {$0.00} 7 FFEL STAFFORD SUBSIDIZED {$8500.00} XX/XX/XXXX {$8500.00} {$0.00} {$0.00} {$0.00} 8 FFEL STAFFORD UNSUBSIDIZED {$10000.00} XX/XX/XXXX {$9800.00} {$0.00} {$0.00} {$0.00} 9 FFEL STAFFORD SUBSIDIZED {$8500.00} XX/XX/XXXX {$8500.00} {$0.00} {$0.00} {$0.00} 10 FFEL STAFFORD SUBSIDIZED {$5500.00} XX/XX/XXXX {$5500.00} {$0.00} {$0.00} {$0.00} 11 FFEL STAFFORD UNSUBSIDIZED {$5000.00} XX/XX/XXXX {$5000.00} {$0.00} {$0.00} {$0.00} 12 FFEL STAFFORD UNSUBSIDIZED {$2500.00} XX/XX/XXXX {$2500.00} {$0.00} {$0.00} {$0.00} 13 FFEL STAFFORD SUBSIDIZED {$5500.00} XX/XX/XXXX {$5500.00} {$0.00} {$0.00} {$0.00} 14 FFEL STAFFORD SUBSIDIZED {$3000.00} XX/XX/XXXX {$3000.00} {$0.00} {$0.00} {$0.00} 15 FEDERAL PERKINS {$660.00} XX/XX/XXXX {$660.00} {$0.00} {$0.00} {$0.00} 16 FFEL STAFFORD UNSUBSIDIZED {$450.00} XX/XX/XXXX {$450.00} {$0.00} {$0.00} {$0.00} 17 FFEL STAFFORD SUBSIDIZED {$3000.00} XX/XX/XXXX {$3000.00} {$0.00} {$0.00} {$0.00} 18 FFEL STAFFORD SUBSIDIZED {$2600.00} XX/XX/XXXX {$2600.00} {$0.00} {$0.00} {$0.00} Total DIRECT CONSOLIDATED UNSUBSIDIZED {$110000.00} {$1000.00} Total DIRECT CONSOLIDATED SUBSIDIZED {$61000.00} {$42.00} Total FFEL CONSOLIDATED {$0.00} {$0.00} Total FFEL STAFFORD UNSUBSIDIZED {$0.00} {$0.00} Total FFEL STAFFORD SUBSIDIZED {$0.00} {$0.00} Total FEDERAL PERKINS {$0.00} {$0.00} Total All Loans {$170000.00} {$1100.00} Based upon the amounts SHOWING above, it appears as though the initial loan amounts of {$83000.00}, with interest, is now totaled at {$170000.00} ( {$170000.00} + {$1100.00} ). This is entirely impossible as {$89000.00} of interest would be unfeasible especially since a good many years since XX/XX/XXXX, my loans were in multiple forms of deferment ( and some forbearances ). I am unclear as to how the amounts due are {$110000.00} for Unsubsidized AND {$61000.00} for Subsidized Loans. Obviously, through multiple lenders and loans being sold, erroneous and possible illegal actions were used to increase the totals. These show added interest and costs of {$82000.00} most of which was accrued during forbearances with Navient. I had been given repayment options of $ 300- $ 500 monthly with Navient which I could not afford at the time so I had to use forbearances for these loans. I am currently in repayment of my loans with XXXX XXXX and would graciously ask for some assistance in rectifying this matter of being charged exorbitant rates of interest since Navient made it impossible to set up reasonable and manageable payment plans. Thank you very much, | ||||||
| 08/09/2021 | Yes |
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| An Affidavit of Truth was sent to Navient on XX/XX/XXXX which they received on XX/XX/XXXX. Navient had 30 days to respond and on XX/XX/XXXX defaulted on payment. Navient claims that the disbursement date was on XX/XX/XXXX and there is an alleged unpaid debt in the amount of {$26000.00}. I am not obligated to pay this debt pursuant to 15 USC 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shallnot state that such consumer owes any debt ; and I am the consumer and natural person pursuant to 15 USC 1692a ( 3 ) the term consumer means any natural person obligated or allegedly obligated to pay any debt. Also, pursuant to 12 USC 411 states Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal Reserve bank. Navient requiring me to pay this alleged debt is also the company asking me to commit an unlawful act by paying with Federal Reserve notes. The Federal Reserve notes Navient is demanding that I use to pay this alleged debt have not been redeemed in lawful money on demand at the Treasury Department of the United States in Washington DC or at any Federal Reserve bank. This alleged debt has already been paid, pursuant to 12 USC 412 ; Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 92, 342 to 348, 349 to 352, 361, 372, or 373 of this title, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of sections 348a and 353 to 359 of this title, or bankers acceptances purchased under the provisions of said sections 348a and 353 to 359 of this title, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under sections 348a and 353 to 359 of this title or any other asset of a Federal Reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks. Under UCC Subsection 9-102 " Collateral '' means the property subject to a security interest or agricultural lien. The term includes : ( a ) proceeds to which a security interest attaches ; ( b ) accounts, chattel paper, payment intangibles, and promissory notes that have been sold ; In other words, " collateral security '' as mentioned in this law is my signature which confirms that this debt was already paid at the time Navient released the student loans. This alleged debt has already been satisfied and no other unlawful Federal Reserve notes are due from me going forward. I also do not owe this alleged debt pursuant to 18 USC 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. The alleged debt is not my obligation but the obligation of the United States. | ||||||
| 02/22/2018 | Yes |
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| I want to start with saying this issue is not only with Navient but also with University XXXX XXXX. When I originally signed up for school at XXXX, Navient was still XXXX XXXX. Throughout my time at XXXX there were a couple times I had to take a break due to medical/personal issues. During this time ( and even after I left the school ), I would talk with a representative at XXXX who would then do a 3-way call to a representative at XXXX XXXX/Navient. During these conversations I was continuously pushed towards going into forbearance as the better option. At the time I had no job or any other way to make money. When this happened while I was still in school, the time frame for the breaks were short and lasted for maybe 6 months or so. They kept telling me it wouldn't be an issue and since I had no income that was essentially the only option. It did make some sense to me because I had no real income so how could I make any payment at all? Not all, but some of the loans I believe, were still gaining some interest during this time but I was not required to pay until I graduated. At XXXX I was constantly told they provided career services and would help me find a job as soon as possible. This had never happened and I could not get any information about it. The only calls I received from XXXX was salesman trying to get me to come back for a 4 year degree rather than the 2 year degree I went for. I denied them repeatedly and asked them to stop calling me. I kept telling them the 2 year degree alone had already cost me over {$40000.00} for very sub-par learning experience from multiple classes. I felt that most of the instructors should have not been allowed to teach and did not necessarily even have a teaching background or degree. The " books '' needed for these classes were PDF files that were barely ever used, if ever. The cost of them also started to exceed {$1000.00} for required learning materials, per class. It was at that point I had been talking with representatives that I had to call multiple times and wait up to an hour to even talk to anybody on multiple occasions. Again and again I went through the same thing with them pushing me towards a forbearance for the same reason, no/little income. I had no idea at the time there was the option of getting into an income repayment plan. It was not until fairly recently that things started coming together. Once I was free of XXXX and Navient came to exist, I started working with them directly and had their website to log into along with more knowledge to start researching things. I have found a lot of information about XXXX getting lawsuits against them for their predatory practices and Navient for the way they handle things that I have experienced. With the current lawsuits against Navient, coincidentally one of which was filed with the attorney general of Washington State where I live, I have started to really get things making more sense. The current lawsuits against them as of XX/XX/XXXX, started in early XX/XX/XXXX, had 5 major points, two of which I have experienced directly. These points were " Steering struggling borrowers towards paying more than they had to on loans via talking them into forbearance. The 2nd was obscuring information needed to maintain their lower payments. Point 1 is obvious from the information above, point 2 came at least a couple times with Navient 's annual notices for renewal of payment plans. There were multiple times I was not notified of any renewal and suddenly had nearly {$1000.00} payments that were not made. It took calling them and waiting for very long periods of time to understand what happened and get things corrected. All of this said about both University XXXX XXXX, which has seemingly been getting shut down in various cities they operated out of ( mine included ) and Navient has been extremely stressful and nothing less than a nightmare to deal with. XXXX in no way helped me to get a proper education in my chosen career of XXXX XXXX but they were very successful in gaining tons of government money via loans taken out in my name. It took me teaching myself everything I know to even get into the career field to begin with. It took a long time to even get a job because multiple employers actually laughed at the idea of me attending XXXX and didn't give me a fair chance because of the schooling I had. Now dealing with Navient has also become a nightmare as I am looking at $ 45k+ in loans, making nearly {$300.00} payments every month on a payment plan, and seeing the interest only add up month by month. I honestly feel like I am trapped and if for some reason I find myself without a job and unable to make any payments, I am completely out of luck. My only hope is to be able to get enough money to pay things off or pray that all of these lawsuits against both companies are found to be in the favor of the thousands of people negatively affected by these companies. | ||||||
| 08/12/2019 | Yes |
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| In XX/XX/XXXX, I enrolled at XXXX University ( Formerly XXXX XXXX University ) and sought financial aide and the usage of the GI Bill. I am now a XXXX XXXX veteran ( XXXX XXXX ), no longer able to work due to multiple XXXX conditions. Financial Aid requested I needed additional money to cover the expenses for an XXXX Degree since my GI Bill did not cover and was informed I could get aide through federal loans. I did receive these loans but was informed I needed a co-signer to cover the remaining tuition, thus my deceased step-father did for me. There are no financial statements of payments from the XXXX GI Bill, Federal Loans or Sallie Mae Private Loans. After graduating, in XX/XX/XXXX, my loans had reached the grace period and I began making payments. I was unaware at the time the Sallie Mae loans were from a private lender and not federal subsidized loans, the university referenced the loans as " federal loans ''. The university sales representative promised employment after graduation then later coaxed me into pursuing a XXXX Degree in XXXX but I soon dropped out for medical reasons. After graduation in XX/XX/XXXX, I attempted to find employment through the school and on my own but remained unemployed for almost 2 years. In XX/XX/XXXX, I relocated to MD as a result of unemployment and Sallie Mae reported negatively on my credit although they were aware of my unemployment and inability to pay at that time and was told I did not qualify for a deferment but a forbearance with a {$100.00} fee. My financial hardships, medical hardships and hospitalizations, Navient provided minimal repayment options after calculating my expenses and still requesting payments beyond my ability to pay. Requests to correct inaccuracies on my credit report, arrange agreeable payment terms and options, or to be placed in a reduced payment program were fruitless. I was forced to setup automatic payments after being denied a forbearance according to Navient payment terms and conditions which they stated says no forbearance requests would be approved if the borrower has exceeded a 36 month time-frame regardless of the original disbursement of the loan, even if due to unemployment nor was a copy of these terms provided as stated to be in the promissory note, from the previous servicer, Sallie Mae. I struggled to repay my loans and only once placed in an interest-only payment plan for 1 year only in XX/XX/XXXX-XX/XX/XXXX, which thereafter I qualified for no other programs, even Income-Based Repayment. Confirmation # XXXX for {$220.00} was applied and the previous auto-payment agreement was removed. My D, of ED-Navient were favorably deferred during this time. In XX/XX/XXXX, my step-father ( co-signer ) died and again had troubles with harassing calls, illegal correspondence to my deceased father after providing a copy of the death certificate. I made three-payments to enter a program with XXXX on XX/XX/XXXX to have automatic withdrawals for of various amounts to catch up. XX/XX/XXXX, I became very ill due to my XXXX during the XXXX XXXX XXXX. My auto-debit was cancelled in the amount of {$220.00} with XXXX XXXX. I was transferred to the military department to see if I could get my loans reevaluated but was told by XXXX, to pay {$220.00} by the XX/XX/XXXX. I am currently pursuing XXXX as a result of being unable to find sustainable employment to accommodate my medical conditions and after having credit inaccuracies removed from my credit through XXXX XXXX XXXX. Today, the Lender informed me that there were charge-offs for three accounts on my XXXX credit report. However, I never received any notice of a charge-off to my account via email or mail. The three letters that were obtained from Navient website, sent to my old address, although updated online, were after my attempts to make arrangements and their refusal to offer payment options due to my unemployment. XXXX ( XXXX ) stated on XX/XX/XXXX, that she would note my account of the financial and medical circumstances but no payment options or delayed payments were offered. Letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stated only being delinquent and final notice threats to pay and to be sent to litigation. XXXX XXXX confirmed removal of these three negative marks on my XXXX credit report in XX/XX/XXXX and XX/XX/XXXX. Due to losing all of my federal TSP retirement to pay medical, relocation and other financial obligations to avoid homelessness, I submitted a request for loan discharge on XX/XX/XXXX for loan discharge however it was not processed. Please review this complaint in reference to improper tactics for Signature Loans, Sallie Mae and Navient for harassment, denial of forbearance requests, denial of attempts to make payment arrangements, reduced payments or deferment during unemployment, financial and medical hardships and threat tactics of litigation, false credit reporting and misrepresentation of loan types. | ||||||
| 09/11/2023 | Yes |
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| Navient Solutions LLC. has been sued Mutiple times over illegal student loan and repayment practices for years! Each and every time this company settles out of court to relieve a portion of the students it has scammed, lied to, misled. The latest lawsuit settled out of court involved the illegal practice of asking students who had filed bankruptcy to continue to pay on " certain '' private loans that should have been discharged leaving out thousands of students who also filed bankruptcy in the past whose loans were not part of this settlement including mine. I filed for bankruptcy twice. My first bankruptcy was due to not being able to pay my private or federal loans. I had to file again, due to Navient 's predatory practices. In XXXX of this year ( XXXX ), I was sent notice by the Department of Education that my Borrower Defense to Repayment application had been approved and that my Federal Student Loans were being discharged because the school I attended, XXXX XXXX, misled students by lying about certain graduation rates and job placement to in order to boost enrollment. My federal student loans were officially discharged XX/XX/XXXX of this year. I owe {$0.00} of the {$970000.00} I owed at the time. Since that time, I asked that my second my bankruptcy case be discharged since I no longer had this loan outstanding. I attended XXXX XXXX between XXXX. In XXXX Navient settled a lawsuit by the CFPB and 39 state AG 's. " The state attorneys general claimed that Navient steered federal student loan borrowers into forbearance rather than directing them to enroll in low-cost repayment plans. As a result, some of these borrowers fell deeper into debt as interest accrued. The lawsuit also alleges that Navient made private loans to students attending for-profit schools and colleges with low graduation rates, even though it knew that a high percentage of those borrowers would be unable to repay the loans Furthermore, the settlement outlined these guidelines as to who saw relief for their predatory loans. " Only private student loans issued by Navient or its predecessor company, XXXX XXXX, are eligible. Borrowers must have attended certain for-profit educational institutions such as Corinthian schools, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. The loans must have been disbursed between XXXX and XXXXXXXX XXXXXXXXBorrowers must have been behind on payments for at least seven months before XX/XX/XXXX, XXXX In most cases, only loans that are still collectible or being reported to credit bureaus as of XX/XX/XXXXXXXX are eligible Borrowers must live in states covered by the settlement. That includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I and thousands of others met all of the above criteria except for being behind 7 months or more because I was in bankruptcy which put my loans in forbearance. Allowing Navient to only settle a small portion student who were scammed into taking out these predatory loans to these predatory " for profit '' schools was not given any relief. It was reported that Navient was a " preferred '' private student loan provider for XXXX and other " for profit '' schools. This is only two of the half dozen lawsuits that Navient has and will face. What do the rest of the students who keep getting left out of all these lawsuits have to do to get relief from this predatory company! I was given these loans to attend XXXX XXXX in XXXX. The original amount was {$40000.00} in one year! That was on top of my Federal Loans I took out. Why did Navient give out so much money in one year! PREDATORY STUDENT LOANS! The amount I am being asked to pay has ballooned to over {$72000.00}. Was this money more than the amount of tuition for one year to attend XXXX on top of what the Department of Education loans were? I think so! When will Navient finally have to account for the rest of us who were given predatory loans during all these lawsuit times?! People who filed Borrow Defense to Repayment Claims of Federal Loans due to being scammed by their schools should also get the same relief of private loans given to attend these predatory schools, especially Navient who was a " preferred '' lender to schools that 39 state AGs allowed Navient to settle loans given to attend over XXXX " for profit '' schools that lied to students to boost enrollment. But not me. Not thousands of others who filed bankruptcy or paid their loans the best they could and will forever be paying until they die. Navient has settled billions of dollars in lawsuits, and yet they and their CEO continue to profit off the backs of students whom they know will never be able to pay these predatory loans. When will it all stop and when will justice be serviced for the rest of us? | ||||||
| 10/03/2022 | Yes |
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| I filed a CFPB complaint XXXX on XX/XX/XXXX stating : " I received an initial letter in XXXX telling me that as of XX/XX/XXXX, my student loans would be XXXX due to total and permanent XXXX. Then I received another letter in XXXX confirming the loans will be XXXX again. XXXX XXXX XXXX loans. XXXX remain with Navient on my credit report and still show open and Navient is still trying to collect even though I have shown everyone I have complained to these letters. Navient is impossible to get on the phone and when they do, they refer you to aidvantage. Aidvantage is not reporting on my credit open loans, Navient is reporting XXXX loans that have been XXXX even though they have been XXXX. Reporting this to the credit bureaus has done nothing. '' Navient called me and told me that the loans would be immediately XXXX after they received the complaint and that no further action would be needed. This was a lie because they then responded to the CFPB complaint by stating : " Thank you for reaching out to the CFPB with your concerns regarding your student loan account. Navient currently services XXXX Federal Stafford Loans for you. Our records reflect that in XX/XX/XXXX, we received notice from XXXX that your request for Total and Permanent Disability Discharge ( TPDD ) was approved. As a result, a claim was filed with your loans guarantor on XX/XX/XXXX. Please keep in mind that Navient has XXXX from the notification date to file the claim. In turn, the guarantor has XXXX from the date the claim was filed to review and pay the claim. Once the claim payment has been received, your balance will be reduced to {$0.00}, and your loans will be transferred to XXXX. You will receive notification of these actions at that time. An update will then be sent to the consumer reporting agencies advising that your loans have been closed and transferred. However, until the claim is paid, your loans will still reflect active balances and remain open on your credit report. Navient reports student loans individually to the consumer reporting agencies. This reporting is consistent with industry standards. If you have an account with multiple loans, youll see each loan reported with its own tradeline. Simply put, a tradeline is a descriptive summary of a particular loans history and status. XXXX information can include the name of the company reporting the account, account open date, account status ( open, closed, past due, etc. ), balance owed, payment history and narratives. The Fair Credit Reporting Act requires lenders and servicers, such as Navient, who report information to the consumer reporting agencies to do so with accuracy. Therefore, we can not remove accurate information from your credit report. We have updated your credit report to reflect your disputed loans as follows : FCRA direct dispute investigation completed consumer disagrees with the results of the data furnishers investigation. Because you disputed the account information we reported to the consumer reporting agencies, we are required to inform them of your dispute when we continue to send them updates. When we do this, the consumer reporting agencies will place the above narrative on your credit report to reflect that your account was previously disputed Please note that the update pertains only to each open loan noted in your dispute. If you wish to have this narrative removed from your credit report, call or write to us at the Office of the Customer Advocate, po box XXXX, XXXX XXXX PA, XXXX. Please include your name, address, and account/loan number ( XXXX ), and indicate that you wish to have the dispute narrative removed from your credit report. '' It is now XX/XX/XXXX. This means the timeframe mentioned by Navient has elapsed in its entirety. As of today, the XXXX loans in question still show on all my credit reports and Navient has made no effort to update me in this process. By their own admission, the process should be completed by now. I also find it hard to believe that Navient is waiting on any other party because again, the first XXXX loans held by XXXX were IMMEDIATELY XXXX without question or incident. Why is it that these XXXX loans have not been XXXX even though Navient said they were on XX/XX/XXXX ( a phone rep confirmed to me during a conversation on XX/XX/XXXX that " as of yesterday '' XX/XX/XXXX the loans had been XXXX and credit reporting would be updated " at the end of the month '' - this is exactly what the rep said in that conversation )? Further, why was my CFPB complaint closed before reaching resolution? I feel that the CFPB did not do due diligence in this complaint because they trusted Navient 's word at face value and as we have now seen their word can not be trusted at face value because every time I speak to them their words turn out to be lies. Please direct me to how I should pursue this complaint to resolution. This has become ridiculous. Thank you for your time. | ||||||
| 03/06/2018 | Yes |
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| Navient is the culprit, primarily as follows : " 4 ) Any agreement with XXXX XXXX? Per XXXX staff, the XXXX currently uses XXXX XXXX as an outside collection agency and did use this agency for your account from XX/XX/XXXX until XX/XX/XXXX. This is contracted through their servicer, Navient. The loan was still owned by the XXXX at the time of outside collection activities. XXXX does not have a contract directly with XXXX XXXX and therefore is not able to provide any agreement pertaining to XXXX XXXX. '' Apparently, Navient, from behind the scenes intrudes by using unlicensed third-party debt collectors, such as XXXX XXXX, in which they are unlicensed. Worse still, it directly contracts with these third-party debt collectors, XXXX XXXX XXXX XXXX and XXXX XXXX before that, to have them state they were " retained '' by agencies of Michigan 's treasury directly. This is blatant fraud. First, of all, Navient has no standing in these matters that expired over a decade ago and are beyond the Michigan statute of limitations. Naturally, when asked for documentation consistent with what is reported on the credit report, they scurry away or stall. Navient 's so-called contract, had better be attached to the response to this complaint as a first step toward getting to the truth. Secondly, by Navient 's own rules and per the federal rules of reporting to national credit reporting agencies, they must not restate the date on it to make current what is a " zombie debt '' a decade after it was allegedly in default. For example, in a Michigan Treasury FOIA request, the prepayment of tuition by the student before the tuition was even billed and before the alleged loan funds were disbursed demonstrates the trickery. If any alleged funds were distributed and not " immediately '' paid back to the lender, then a breach/default occurred on day # XXXX. Therefore, it is false for Navient to interject itself in a debt when no action was taken in a timely manner in XX/XX/XXXX. In XX/XX/XXXX, a full decade later, they pretend to have standing when Michigan stated in court filings that the student had no debt to the state whatsoever. Thirdly, Navient, has no origination records. Navient is no stranger to proofs being AWOL and getting in trouble in court for not having documentation. Now they hire thugs who are unlicensed in my state to collect debt and their lawyers are unlicensed to represent them in Michigan as well. Fourthly, I want an accounting from this Navient servicer on any debits and credits that were made to the college in this CFPB complaint from XX/XX/XXXX to XX/XX/XXXX. If Navient can't provide any notarized records from " XXXX XXXX XXXX '' then why is XXXX - hired by Navient - furnishing that on my credit report? Fifthly, is this servicer 's hire not following the complete federal requirements? They pick and choose what they want to do and what they don't want to do. They are in violation of the XXXX XXXX XXXX XXXX XXXX servicing regulations. This company needs to for every XXXX of this loan in a verifiable way. InXX/XX/XXXX, Michigan pre-approved my XX/XX/XXXX tuition, books, gas mileage reimbursement and even a car repair near the end of the year. They really micromanaged that year. I even had to submit attendance records and so forth. no stone unturned. I prepaid through a grant - not a loan - the tuition for XXXX XX/XX/XXXXand paid with same credit card again for XXXX XX/XX/XXXX. Having nothing to to with any " qualified educational expenses '' XXXX overstated the amount they were allowed to lend me as did its previous third-party debt collector, XXXX XXXX, did so as well. They appear to be trying to turn a grant into a loan. Problem : last time I checked, XXXX XXXX issued in my name are not how federal student loans are used. Therefore, having been issued a pre-approved credit card by the Michigan XXXX XXXX XXXX XXXX program, there was no need for a loan in XX/XX/XXXXor even three months later. I want Navient to produce the contracts with the unlicensed-in-Michigan XXXX XXXX 's " XXXX XXXX '' in Nebraska ( of all places! ) and the subsequent conflicting XXXX 's " XXXX XXXX XXXX '' Those federal student loans I got later were all voluntarily included in my Chapter XXXX discharge as of XX/XX/XXXX after a hearing with the U.S. Attorney General at XXXX. All of them. The one from XXXX is the only one stubborn enoough to not follow suit, when Michigan stated I owed them nothing and that was echoed by the bankruptcy judge in an order he filed with the court. By Michigan not participating in the Chapter XXXX bankruptcy, as a stated policy, and by formally abandoning the debt, it is fraud to hire a third-party collection agency subsequently to collect a debt that is over a decade old and had a zero-day repayment period. Navient needs to call off their dogs. If the federal government is paying the legal fees for this fraud it is complicit. | ||||||
| 08/02/2018 | Yes |
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| I am currently in the process of trying to re-submit for income-driven repayment options given that my family size has changed ( XXXX with my XXXX child ) and mine and my spouses income has changed significantly in the past year. I submitted my application to the department of education, which I was directed by Navient to do on XX/XX/XXXX. At that time, I was informed that I would need to submit supplemental income material in addition to my XXXX tax return which was automatically updated with my application. I submitted the following directly to Navient : XXXX Pay stub from my employer Profit & Loss Statement with my gross/net monthly income for my XXXX XXXX XXXX Direct statement from royalty reimbursement and disbursements that outlined the gross monthly income for my spouse ( he is currently XXXX XXXX XXXX XXXX father but does receive this income source ) A letter explaining each of these items in detail. On XX/XX/XXXX I received an email from Navient stating that my application and supplemental materials had been received and that they would process over the next 2 weeks. On XX/XX/XXXX I received an email stating that there were " documents missing ''. I called Navient on XX/XX/XXXX and spoke to XXXX. He explained that the income sources provided were insufficient due to not being able to determine what payment period was provided. I clearly stated that in reference to the materials provided, it is indicated that this income is for the monthly gross income for my spouse. He confirmed this acknowledgement and stated that he would again file the information for the application. On XX/XX/XXXX I received yet another email stating that there was insufficient material for my income proof. I called Navient on XX/XX/XXXX and spoke to XXXX ( employee number XXXX ). She explained that while she could clearly read on my spouse 's monthly statement that the gross amount was listed, which she read back to me, that I would need to submit a letter signed by him stating and confirming that this was gross income. I asked XXXX to spell out exactly what needed to be in the letter. On XX/XX/XXXX I mailed the following to Navient : XX/XX/XXXX Navient, XXXX. XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing this letter on behalf of my wife, XXXX XXXX XXXX to provide additional information regarding the income-based repayment plan application. I, XXXX XXXX am confirming that the statement provided, which states that my income provided is my gross-income is in fact my gross monthly income. There are no taxes taken directly out of this monthly income. This income is provided by XXXX XXXX and is disbursed monthly. This letter is provided as additional confirmation that this is my gross monthly income for my wifes current Income-Based Repayment Plan Application. Her information is provided below to correspond with the current pending application : On XX/XX/XXXX I received my 3rd email stating that there was insufficient information to process my income-driven repayment plan. On XX/XX/XXXX I spoke to the Navient representative, XXXX ( employee number XXXX ). She reviewed the paperwork and informed me, that what I submitted was insufficient for two reasons : 1 ) I was supposed to submit a letter for each mine and my spouse 's income to clearly state that it was monthly gross income, despite the fact that the Navient processors have the physical statements from each income source and 2 ) I was supposed to list the gross income amount. Both of these items were never mentioned in my original call with XXXX on XX/XX/XXXX. When I asked several times to speak to a supervisor I was put on excessive holds ( upwards of 30 minutes ) to then be told that a " supervisor was not available and would call me back in 24-48 hours ''. When I tried to resume requesting to speak to another representative, this request was denied and I was told that I was prolonging my application by not listening to the representative and sending in the requested information. I tried to explain that I have in fact followed through on every direction provided to me and that each time I am told different and opposing information. However, XXXX continued to state that this is what is required and that until I submit 2 more letters my income-driven repayment plan would be denied. These practices are greatly concerning, particularly given that I am a professional and trying to make appropriate payments that are reflected by what I can actually afford with my income and number of dependents. I have tried everything in my power to be timely on my student loans and these practices have forced me into prolonged forbearances that continue to accrue thousands of dollars of interest monthly. I am beyond frustrated and disturbed, particularly when in 6 weeks I will have to begin the entire process again because I will be on XXXX leave and will have yet another significant change to my income. | ||||||
| 08/25/2022 | Yes |
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| I have student loans with Navient, and have been dealing with this issue for 13 years. During that time I have been harassed, called XXXX, and sent to a supervisor because " I didn't understand what was best for me '' when I asked to call them back after speaking about trying to get my loans lowered, so I could afford them. When I spoke to the Supervisor, I was sent to, they gave me other options and when I asked him if the first person knew these options as well, he told me yes. I asked why the first man didn't give me these options, and the Supervisor couldn't give me an answer. I have told them several times over the years that I couldn't afford to pay and asked for income-based repayments because I was out of work, and I always got the runaround. Told they couldn't do much to help me, and was pushed into going into forbearance to the point that I ran out and didn't have any left. At the time, I thought it was helping me. Now I realize, it was only helping them because my debt continued to grow. After 13 years, I still owe as much now as the day I left school. I haven't been able to make a dent in all the fraudulent loans XXXX put on my shoulders. Which leads me to the current situation. I am part of the group that went to XXXX within the years specified that the school was conducting fraud against students. I was also part of the group that was receiving loans from Sallie Mae with their " Giving high-interest loans to students who it knew likely could not repay the debt. '' So in the lawsuit against Navient where it says : " As part of the agreement, Navient will erase {$1.00} billion of subprime private student loans that its predecessor, Sallie Mae, gave to students who attended for-profit schools, many of whom had low credit scores. '' I thought my loans were covered between the federal loans being wiped and my private loans. So when I called Navient today ( XX/XX/2022 ) they told me I wasn't because I was only in default for 5 months, not the required 7 months in the lawsuit even though everything else fit my case. When I brought up the fact that I was pushed into forbearance when I started to default, or put in forbearance when asking for help or affordable payments, and that Navient hasn't been helping me with affordable ways to help pay off my loans, that people from the company had treated me awful, that I have been in Borrowers defense for almost 7 years now, that XXXX XXXX loans were outright called fraudulent and that it was said : " It is time for student borrowers to stop shouldering the burden from XXXX 's years of lies and false promises, '' said U.S. Secretary of Education XXXX XXXX. " The evidence shows that for years, XXXX 's leaders intentionally misled students about the quality of their programs in order to profit off federal student loan programs, with no regard for the hardship this would cause. The Biden-Harris Administration will continue to stand up for borrowers who've been cheated by their colleges, while working to strengthen oversight and enforcement to protect today 's students from similar deception and abuse. '' How can my private loans not be considered with all the evidence that we were frauded? Still, I was told there was nothing they could do, and I would have to keep paying them. When I mentioned, regardless of federal or private, they all came from Sallie Mae and XXXX and were, therefore, fraudulent. The Supervisor agreed, but said they were still active loans. So I asked her, so regardless of them being from two fraudulent companies, and have outright called fraud, and how badly Navient has treated me over the years and pushed me into forbearance, I have to continue to pay on loans I don't deserve from a school that cheated their students. The supervisors just apologized and said there is nothing they can do. I even told her I was out of work atm, had been for almost four years, I have a XXXX XXXX and am XXXX, and I was still having to try and figure out how to pay almost XXXX a month for these private loans. She did not offer me any help or options on how to better deal with the loans. She just kept saying she was sorry, there was nothing she could do for me in any way. I was so hopeful that this ordeal was over when XXXX and Sallie Mae were called out for fraud and cheating students, and now I feel like I am just being beaten down again with fraudulent loans because Navient won't do the right thing. When a Supervisor admits that they know the loans are fraud, but they won't do anything about it... It's just the same thing over and over that I have been getting from Navient for so many years now, they just keep taking my money, and making me owe more and more under the guise of helping me, but they are only hurting me and others like me. Withholding information and options from us, and now - just outright telling me my loans are fraud, but I have to keep paying. | ||||||
| 05/21/2019 | Yes |
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| In XX/XX/XXXX I applied for an income based repayment program and was approved with a payment of {$0.00}. I have an email from Navient on the date I was approved saying this. I have an email they sent me at the end of the repayment period ( XX/XX/XXXX ) to inform me of what the new payment will be. Navient did not honor the repayment agreement I was approved for, which is a breach of contract, and instead reported my 10 individual loans as late every month to the 3 major credit bureaus. They say that they have no record of my IBR application but I have confirmation of them approving me. They can't even tell WHAT they approved me for as half of the emails from Navient refer to my IBR and half of them reference either a deferment or a forbearance. Regardless, something messed up and I'm now paying the consequences despite my documentation. My loans were defaulted, then closed and XXXX opened 10 new loans for collection purposes. This means I have 20 severely derogatory loans reporting on my credit reports. Additionally, Navient and/or XXXX informed the Dept. of Ed of my default and my tax return for tax year XXXX was offset and applied to my loans. However, my loans were not late. The payment owed was {$0.00}. I have been trying to resolve this issue and have worked patiently with XXXX from Navient 's Borrower 's Advocate office. She is extremely nice and seems as though she wants to help me. However it has been approximately a month since I began working with her and although she has acknowledged that " so much has gone wrong '' with my account, and that this isn't my fault, I feel as if I'm being strung along. XXXX said that she was investigating to see if the issue ( that studentloans.gov apparently didn't forward Navient my IBR application ) impacted other people as well, but truth be told, that is not my concern. I need my issue resolved so that I can fix my severely damaged credit. Navient is being willfully negligent in their duties to help me resolve this. One example : I sent Navient all of my documentation supporting my position ( 34 pages, which I am attaching to this complaint as well ) and in response, they sent me a letter saying my dispute was considered frivolous because I didn't supply any supporting documentation. Another example : I can not access any documents in my online portal that are over 12 months old. I requested a copy of all correspondence between Navient and I from XX/XX/XXXX through the current date in order to help me understand where things went wrong with my account. Instead of complying with my request ( which they offer to me on their website ), they sent me two copies of the 34 pages I sent them, a few random billing statements, and a letter telling me how to change my name. Speaking of my name, another issue that went wrong with my account and likely contributed to this mess is that Navient has made up a new last name for me by combining parts of my maiden and married names, which actually resulted in me not receiving mail from them because my postal carrier put a note on my mailbox door saying only deliver mail for my married name. This is not my fault. I sent Navient a copy of my marriage certificate, my DL, and my SSN card a few years ago with a request to change my name and they did not do that. Despite impressing on Navient and XXXX how important it is that they fix my credit, in response to my disputes filed with the 3 credit bureaus, Navient and XXXX reported additional false information and further damaged my credit scores. Example : Navient updated the date on my loans to current, instead of leaving the date of last activity as the date they closed the accounts back in XX/XX/XXXX. This caused these to look like brand new charge offs and my score decreased. For their part, XXXX updated their trade lines to list a new open date of XX/XX/XXXX, making it look like I was in collections for an entire year longer than I have been. This resulted in a year worth of double reporting of derogatory payments that were never even late to begin with. All XXXX has done to be of assistance ( including ignoring a referral of my case to them from the Student Loan Ombudsman Group at the Dept. of Ed ) is to send me a form to try and argue for my tax refund to be returned to me due to a financial hardship. I have not filled this out because it does not address the actual reason why I need my refund back which is that I was not in default. Navient and XXXX have each caused me exceptional harm by furnishing false information to my credit reports. Over the course of time that this has taken place I have well over 100 90-180 day late payments on my credit report, in addition to 10 loans in collections. This has depressed my FICO scores down below 600, has caused me to be denied credit, has increased my cost of car in insurance, and has made it impossible for me to move this summer. | ||||||
| 12/27/2018 | Yes |
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| Sallymae / Navient continuously provides incorrect, misleading information on private loans. I have multiple loans with those lending organizations. On this occurrence I fell behind on payments due to fraud that occurred on my checking account. I called 3 times end of XX/XX/XXXX thru first week of XX/XX/XXXX, with each call experiencing a wait time to speak with a representative that EXCEEDED 45 minutes, thus having to hang up and get back to work. On XX/XX/XXXX called again to make payments that were past due now, payments to be paid included XX/XX/2018, XX/XX/2018, XX/XX/2018 ( 1/2 ) for a total of {$2000.00}. The representative stated on the phone the payment would be processed and that she approved the payment schedule for automatic checking deductions, and has assigned all loans accounts as current and paid as agreed. Additionally she stated that my next payment would be XX/XX/2019 for the same payment amount of {$830.00} per month. I left satisfied and happy thinking SallyMae / Navient finally gotten there act together after Years of inaccuracies, headaches & stress attempting to service my loans to remain in my good standing. Going into the 3rd week of XX/XX/XXXX, my credit monitoring emailed me stating that SallyMae / Navient reported all 4 loan accounts as DELINQUENT. I called into the customer service to see what was going on, today XX/XX/2018. I spoke to a manager named XXXX XXXX ( is this really his name? ) That refused to listen, research notes or the call that took place on XX/XX/XXXX. After holding him accountable via phone demanding he look into the notes and transactions placed by the representative on XX/XX/XXXX for well over 20 minutes of arguing, noting that he does have the resources and tools to do this while I am on the phone ( was rushing to end the call and move on ) he woke up and noticed that I must be well informed individual and slowly started to look into this information, after a furious 15 minutes of being rude, confrontational and unwilling to assist in their error and demanding an additional {$1800.00} payment. Overall, XXXX XXXX admitted on the phone that this is what exactly was told to me and set up and that there is nothing they can do to stop the negative credit reporting although this ws the information and set up provided to me on XX/XX/XXXX, & that I must pay an additional {$1800.00} to bring all accounts current to good standing. I stated that if this information was given to me on XX/XX/XXXX or within that week, that payments would have been paid on the following pay period in full as that was my original plan ( received a small bonus for Q3 ). XXXX stated there was nothing he could do except to file a system complaint. As it stands my credit reporting is reflecting negative false information, SallyMae / Navient refuse to own their mistakes and take accountability for what was promised and set up on the XX/XX/XXXX call despite the notes reflecting my exact encounter. I am on a 3 year repayment plan of 1 % ( given high loan volumes ) and do not want to be displaced out of the program due to their errors. Additionally, my credit is being affected dramatically due to their error in which XXXX failed to provide a suitable resolution today. If proper communication and actions were taken by SallyMae /Navient payment would have been made as it would have been budgeted for. For them to retract the XX/XX/XXXX call and the set up that SallyMae / Navient offered for the next payment date of XX/XX/XXXX, with no payments due XX/XX/XXXX, keep in mind this was not asked of SallyMae / Navient, it was told that this would take place in such perimeters. In closure this is not the first, the second nor the 10th occurrence with SallyMae / Navient This is a consistent issue with servicing my loans whilst my credit is impacted. SallyMae/ Navient need to own their mistakes, -keep to what was communicated and processed on XX/XX/XXXX ( as unable to budget differently with various amounts of payments every time they conduct in error ) -Correct my credit reporting not only for this occurrence but for all other occurrences that have transpired over the last 5 years. -Provide Written documentation on business letter head, date and signed on Behalf of Sallymae / Naivent noting the mistake and actions conducted to rectify those mistakes. -Provide Written documentation on business letter head, date and signed via certified mail of corrections to all credit bureaus & certified mailed copies to Borrower . I find it absurd corporations place there clients through such ordeals and that there is no legislation holding these corporations accountable nor any financial relief for the borrowers. SallyMae / Navient have breached the following laws on several occasions since XX/XX/2004 : The Fair Credit Reporting Act The Fair Debt Collection Practices Act The Truth in Lending Act | ||||||
| 08/09/2021 | Yes |
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| An Affidavit of Truth was sent to Navient on XX/XX/XXXX which they received on XX/XX/XXXX. Navient claims that the repayment start date was on XX/XX/XXXX and there is an alleged unpaid debt in the amount of {$7800.00}. I am not obligated to pay this debt pursuant to 15 USC 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shallnot state that such consumer owes any debt ; and I am the consumer and natural person pursuant to 15 USC 1692a ( 3 ) the term consumer means any natural person obligated or allegedly obligated to pay any debt. Also, pursuant to 12 USC 411 states Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal Reserve bank. Navient requiring me to pay this alleged debt is also the company asking me to commit an unlawful act by paying with Federal Reserve notes. The Federal Reserve notes Navient is demanding that I use to pay this alleged debt have not been redeemed in lawful money on demand at the Treasury Department of the United States in Washington DC or at any Federal Reserve bank. This alleged debt has already been paid, pursuant to 12 USC 412 ; Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 92, 342 to 348, 349 to 352, 361, 372, or 373 of this title, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of sections 348a and 353 to 359 of this title, or bankers acceptances purchased under the provisions of said sections 348a and 353 to 359 of this title, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under sections 348a and 353 to 359 of this title or any other asset of a Federal Reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks. Under UCC Subsection 9-102 " Collateral '' means the property subject to a security interest or agricultural lien. The term includes : ( a ) proceeds to which a security interest attaches ; ( b ) accounts, chattel paper, payment intangibles, and promissory notes that have been sold ; In other words, " collateral security '' as mentioned in this law is my signature which confirms that this debt was already paid at the time Navient released the student loans. This alleged debt has already been satisfied and no other unlawful Federal Reserve notes are due from me going forward. I also do not owe this alleged debt pursuant to 18 USC 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. The alleged debt is not my obligation but the obligation of the United States. | ||||||
| 02/10/2019 | Yes |
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| Sunday XX/XX/XXXX My complaint is about Navient. With being out of college XXXX years and wanting to take out a loan, when looking at my credit statement it came to my attention that my student loans have not gone done, but had actually gone up. My father who has been paying all my payments ontime, who also happens to be a successful XXXX, dug deeper into the reasoning as to why this could be the case conducted his own amortization, and realized the NUMEROUS ways in which Navient was extorting and misleading our payments ( calculating around 13,000 dollar difference between both accounts ) my father became involved in the conversations and demanded paperwork be sent. We received paperwork if thats what you want to call it, none of which was what we had asked for and was basically a print out of what we could have gotten off line, none of which had any balances etc. The paperwork did however show missing years and other missing documentation that when we called to follow up about, customer service said they were unable to locate it, which has been the answer all along. I began college in XXXX, my loans initially started in XXXX and originated as XXXX XXXX Bank. It was then sold to XXXX and then onto Navient. Within this time period, documents were lost, rates/ terms changed etc. which all contributed to the issues in which we are having today which are apparently our fault not theirs, even though they are the ones who bought the company and should assume the responsibility. Since Navient has bought my private loan, the interest and principle has been EXTREMELY INCONSISTENT and we have only been provided the minimal proof to needed to back that up and we have been calling to fight for the FULL proof of the CLEAR BREAKDOWN OF ALL INTEREST RATES- WE WANT THE ORIGINALS!!!! They should not be allowed to decide where they allocate the principle payments however they like ( taking advantage once again ). They should be applied to both loans, not just the lower rated ones, they are separate loans, each with their own payment. After countless hours spent on-hold, on the line with numerous representatives etc. I started a running record of all my conversations and the outcome and supposed follow up that was promised to occur per that conversation, which never once happened. I have attached my notes from each conversation, including ones made to legal institutions. On XX/XX/XXXX we were told that our complaint would be transferred to Ombudsman, their internal complaints department and would be a high priority escalation, and would receive a letter and further steps which we were told would be completed by XX/XX/XXXX. On XX/XX/XXXX I was contacted by XXXX XXXX XXXX, an agent in the Office of the Customer Advocate at Navient and was given a number to call, I responded to this email and was not given a response, as well as called the number. I called the main number to try to get ahold of someone and was told she was on a call and she would get back to me with 24-48 hours ( not sure who is on hold for this long? ) I left a voicemail leaving my cell phone asking her to call me back and leave her direct number on my voicemail. No email, call, or voicemail was returned ever. When I called the number on her email two days later the call said the office was closed, their hours were XXXX. ( it was XXXX. est ) and then the number HUNG UP ON ME- multiple times, which leads me to believe they blocked my number. This was final straw which made me file this complaint, I feel completely taken advantage of at this point. Every deadline they have given has been missed, not one person has been able to give a straight answer, they cant be honest and just admit they have no proof and own up to their mistake and keep dragging this along and its not fair. I am also in the process of trying to release my cosigner and this looks like it will be a process as well based on everyone else complaints but my cosigner is out of work due to an accident and is injured and when I called to explain this to them they did not seem to care or be helpful at all but at this point we are trying to solve one issue at a time. This back and forth is causing much added stress to an already eventual and stressful time in my life, being XXXX, and trying to financially break free from Navient is a full time job within itself, Ive been hung up on, lied to, mislead, taken advantage of, and plenty more and I just want to move on. My dad even offered to settle with them and they refused, even when they are doing so many illegal things to us in the first place. At this point we are not sure who else to turn to or what else to do, how can a company just haphazardly, inconsistently, just adjust and apply interest however they want whenever they want without even telling you, how can they continue to lie to you and keep getting away with it. | ||||||
| 05/28/2020 | Yes |
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| I attended the XXXX XXXX XXXX XXXX XXXX ( now called XXXX XXXX University ) from XXXX to XXXX pursuing XXXX study and XXXX study in XXXX. I took Stafford Loans ( later called as Federal Perkins loan ) to support myself as the XXXX XXXX offered little or no scholarships and my annual salary as a XXXX was only {$14000.00} and I had to support my wife and XXXX kids. While attending school XXXX XXXX, I worked full time as a XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX and was licensed as a XXXX XXXX XXXX XXXX. I taught at the XXXX XXXX XXXX XXXX, in under-served areas of the city from XXXX to XXXX, XXXX XXXX. All my student loans were Govt. approved Stafford Loans. I am told that I obtained {$56000.00} as Loan money during the period. During this period I paid installment money for many years as demanded but discontinued when i faced financial hardships. My payment remained irregular. I took a number of deferments as that was the only option that was offered to me. I applied for XXXX Loan forgiveness program twice with supporting documents establishing my credentials as a XXXX serving in under-served Chapter XXXX areas. One of my application for XXXX Loan forgiveness was sent to Sallie Mae Inc on XX/XX/XXXX. ( I have a copy of this endorsed by the XXXX XXXX XXXX XXXX ). I must have spoke a number of times with Sallie Mae and then with Navient seeking to remove the XXXX forgiveness amount that was I was entitled to but all my requests were rejected. On XX/XX/XXXX I spoke to Navient customer service Ms XXXX and then with Supervisor XXXX and finally with senior Manager Mr XXXX.. started from around XXXX and proceeded until almost XXXX. The issue was one of Loan cancellation for XXXX. I was told of XXXX Loan forgiveness program and that I do not qualify for this as I had taken the loans prior to the cutoff period of XXXX. I told them as per the website ( below ) there were two categories for XXXX loan cancellation ... one was the Loan forgiveness program mentioned earlier and second was the XXXX cancellation program. I qualify for this second program as I have put in more than the requisite number of years of service, working as a Tenured XXXX, in a designated low income XXXX district XXXX the shortage area of XXXX. It was confirmed to me that the loan that I had borrowed was the Federal Perkins loan and therefore I do qualify to have my full loan amount cancelled. However, Navient does not want to do it, even though it was the Federal Perkins loans that I borrowed, on the pretext that I had chosen to consolidate the loans and by signing for the consolidated loan and am therefore said to have forfeited my right for XXXX loan cancellation ( This is exactly what the Manager Mr XXXX told me ). I believe this is absurd as it was NOT brought to my notice that doing a consolidation would invalidate my right to take recourse to the given Federal program of XXXX cancellation by virtue of working for 13 years as a full time XXXX XXXX XXXX in a designation low-income Govt. XXXX. The cancellation term ( mentioned on the Navient website when I spoke to Mr XXXX ) stipulated that 15 percent canceled per year for the first and second years of service 20 percent canceled for the third and fourth years 30 percent canceled for the fifth year I would like to state that I have every right to have 65 % ( 15+20+30 ) of my XXXX loan cancelled by virtue of having worked as a XXXX for a total of 13 years in a designated low-income neighborhood. The current statement that is displayed on the Navient website states that the Disbursement Date is XX/XX/XXXX ( This was not the disbursement date as I had taken the amount prior to XXXX. It was the time that they did the loan consolidation ). The Original Principal is now said to be {$56000.00} and the current amount that I owe is said to be a preposterous {$100000.00}. Since last year, now that I am receiving Social Security and my income is low, I am doing the Income based Repayment plan. This is approximately $ XXXX/month and is auto deducted from my checking account. CONCLUSION : 1 ) All my efforts to avail the XXXX Loan forgiveness program, that I was entitled to, failed due to Sallie Mae and Navient refusal to acknowledge my service on fissiparious grounds. They INTENTIONALLY SUBVERTED the program so as to deny the forgiveness amount. 2 ) I was offered NO alternative for almost two decades, other than Forbearance, when I faced financial hardships. 3 ) Excessive charges of Interest and fines were added at will that had no validity. 4 ) My repeated payments for many years did not decrease the Principal I SEEK THAT THE LOAN AMOUNT BE CORRECTED AND I AM ALSO PAID COMPENSATION FOR THE XXXX AND XXXX XXXX THAT I ENDURED FROM A FAILURE TO GET THE ISSUE RESOLVED. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 10/27/2023 | Yes |
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| I took out a private Tuition Answer loan with Sallie Mae back in 2006 to go to graduate school for a XXXX XXXX in XXXX XXXX XXXX. When I went over the documents with the loan officer by phone, at the time, I asked if the loan was a fixed interest rate or a variable interest rate. They assured me that it was fixed. It wasnt until years later that I learned that it was a variable interest rate. When I took out the loan, I completed an application but never received a Note. I was told by Navient just recently, that was how they did things back then. The loan application doubles as the Note. I was unemployed when I took out the loan as the program was double full-time, but apparently this was not an issue. I still dont know the terms of my loan and when it will be paid off. From my research, these are the perfect examples of predatory lending. When my loans became due to start repayment, I let Sallie Mae know that I was working in the social services field at the time and asked for an income driven repayment plan since the social services field does not make a livable wage. They informed me at this time that because my loan was considered a private loan, even though it is still a student loan, that I didnt qualify and instead steered me into forbearance. I had multiple forbearances due to my loan not qualifying. After my forbearances and deferments were maxed out, they told me that I only could do an interest only repayment plan. I have been on forbearance, deferment, or interest only repayment plans for years with significant interest piling up. My payments have been as high as XXXX XXXX monthly and I have never been able to pay them down. After I saw the lawsuit with Navient, I started researching my loans again. I printed out my entire account history. I even contacted Navient to ask about the interest rate changes throughout the years I have had them. They did not send me this information until I got an attorney involved this year. As I was going through my account history, I discovered that my loans went from {$40000.00} borrowed to immediately {$80000.00}. The payment history shows that even though I did pay on my loans that my loans were dramatically increasing to {$80000.00} and above. When Navient bought Sallie Mae, my loans returned to the {$40000.00} mark but did not show any improvement with payments decreasing. With all that has happened in my life, I never defaulted on my loan. I would call them and keep putting my loans in interest only repayment so that I could pay {$200.00} instead of {$500.00}. I was NEVER permitted to put my loans in an income driven repayment plan. When the pandemic hit and all student loans were supposed to stop all interest, mine continued. I was permitted to stop paying them but the interest continued to accrue. As I look into the new rules with being able to have my loan forgiven since I have XXXX years in XXXX XXXX, I still dont qualify. I do not have my XXXX XXXX XXXX from my employers because they either have closed or my social services employer does not qualify, and my loan does not qualify. I am at a point where I have paid the {$40000.00} that I owed but I have made absolutely no progress because of the interest. Every time I think that I have found a way to decrease my loans in order to pay them off, I find that my loan does not qualify. I have had these loans for 17 years and I have maybe paid down {$4000.00}. I dont know what more I can do, so I am reaching out to someone that hopefully can help. I dont have money to pay for another attorney for something that seems like Navient should be fixing since they have steered me to forbearance, deferment, or interest only payments instead of giving me a more beneficial option so that I could pay them off. Their predatory lending practices have affected my life for 17 years and will continue for the next 20 years or more since I still have {$36000.00} left to pay. I am now inquiring about a 2nd mortgage to my home in order to pay Navient off. This is not something that I feel that I should do but I dont feel that I have any other options. I am a single mother who has absolutely no help caring for my daughter and until last year, I was making less than {$40000.00} a year working in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate you reading this and hope that you can help me and others like me. As of today, my loan is at 10 % interest and {$36000.00} left to pay. I was told that the interest rate does not have a cap and can continue to increase. When I pay the required amount of $ XXXX, only {$200.00} goes to principle. I have an arbitration that is going to be scheduled in the near future but from what XXXX attorneys have told me ; I will not win. I am requesting the my student loans be discharged due to predatory lending. I would appreciate a refund of what I have paid. | ||||||
| 06/01/2017 | Yes |
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| I 've had a consolidated student loan, {$5700.00} ( {$7800.00}, interest added? ), in either deferment or forbearance status for several years, always making sure to reapply, so as not to be in default, before a due date. In XXXX, I recertified before the due date, then received a Navient notice that I failed to do so. I informed them that I routinely followed the same procedure from all previous applications. I again re-sent the requested information and then received notification that it was " unreadable '' and could n't be accepted. I had to resend the info again and was requested to access an online encrypted email service, which timed out every single time I attempted to read correspondence from Navient. Finally, once again, they informed me that I needed a certain document from Soc Sec concerning a XXXX review document. Twice, Soc Sec incorrectly sent the same benefit letter, which took weeks, then after my 3rd request, they sent the correct form, which I sent to Navient. But then they said it was n't adequate for the length of time before the next review. I had been reviewed in XXXX, with a 5-7 year interval before another review. Navient requested the document in XXXX and with, if necessary, another examination in XXXX, Navient decided it was n't acceptable for a XXXX discharge. At that time, I was homeless, struggling to survive in the cab of an old XXXX truck that I leased and which took almost every dime and more in additional gas to heat in winter and cool in XXXX 's hot summers. I was unable to keep up with other monthly payments and those debts added to an overwhelming inability to manage, financially and emotionally, and resulted in a stagnant state that I could n't address with no means to do so. This past month, on XXXX XXXX, at the credit union, I received a shock that almost made me fall to my knees bec my legs suddenly felt weak. The teller informed me that {$140.00} had been taken from my Soc Sec XXXX before it was direct deposited in my savings acct. I could n't fathom who or why or what caused such a new hardship for me, without any warning or notification at all, none. I called Soc Sec and they called back several hours later. At first, the rep did n't know what happened and I requested a further search. Then she said it was for a student loan and the federal govt had a right to garnish anyone 's Soc Sec check. But I informed her that I did not receive anything from them or Soc Sec that it was being done without giving me a chance to appeal or have any payment reduced. She said I was mailed by them in XXXX and XXXX, and I adamantly refuted that claim bec I absolutely did not receive one word, or email, or postal mail. She insisted that I received the 2 letters and I said I did not. I then asked if the street name was spelled wrong, bec it 's an odd name. She looks it up and said mail was sent to a XXXX address! I was stunned and asked why was it sent there, to an address not used in15 years! She did n't know and I informed her that they and any student loan handler have the XXXX address on record. I asked how can I stop or appeal the high garnishment and she said it could n't be done. I requested that copies of the 2 letters be sent to my XXXX address, she agreed to do so but it would take a few weeks. I 'm still waiting to receive them. I have just recently been able to rent a small apt , {$500.00}, plus utilities, {$250.00}, no cable or satellite. I pay $ 90-95 for a cellphone and service. I had to rely on a food donation from a church bec the {$140.00} was part of my budget for food and necessary items. It is too much of a hardship and I know from experience that if I can only partially pay for utilities that will be a growing debt. As it is now, I could n't pay the phone service minutes and ca n't call Navient or XXXX, only email them to find out if they garnished Soc Sec XXXX. I looked online on the student loan site that lists the loan and on the Soc Sec site and ca n't find anything or notices about garnishment on my accounts. When I emailed Nelnet I requested the disabilitydischarge application for my doctor to fill out. I received it, took it to his office, and mailed it to Nelnet when his office told me it was ready for pickup. I still do n't know who took that horrible amount out of the monthly XXXX benefit and how can I request an appeal or a much reduced fee or for it to stop? I really think it was an underhanded, sneaky purpose to prevent actually informing and enabling me to stop the garnishment process by sending the mail to a 15 year old former address and not to my address on record at every one of those agencies. I hope you can help me discover what is happening now and why I was n't given any notification of this ambush on my XXXX benefit, that is even hundreds of dollars below their own poverty listings. Thank you. Sincerely, XXXX XXXX | ||||||
| 09/21/2019 | Yes |
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| In XX/XX/XXXX, I received a letter stating that my student loan payment was late. ( I have not made a payment in 10 years. I paid off my consolidated {$47.00}, XXXX loan to Sallie Mae when I refinanced my home on XX/XX/XXXX. ) I called Navient to find out what the payment was for. I was told that the person on the phone did not have access to my records but they would look into it and contact me again. I did not hear back from them. This happened 2 more times. In XX/XX/XXXX, I applied for a mortgage and was denied because my credit score was too low. On XX/XX/XXXX, I spoke with XXXX from Navient. XXXX informed me that on XX/XX/XXXX, My loan was transferred to a private loan. I asked " What private loan? '' I was told that XXXX needed to submit a " Payment research request '' and it would take 7-10 days to get an official answer. On Navient 's website, I can see a - {$47000.00}, a + {$47000.00} and another - {$39000.00}. I also see a balance due of {$8800.00}. I asked why the funds were posted and then removed and why only the {$39000.00} was posted back. Navient had no answer and I was told that I would need to wait for the " research request '' to come back. On XX/XX/XXXX, I called Navient again. I spoke with XXXX. XXXX could see the payment of {$47000.00} on XX/XX/XXXX. She could also see the " research request '' and told me the estimated date of completion for this was XX/XX/XXXX. I asked her if this could be expedited as my mortgage application was being denied due to this error. ( I still did not know what money was owed. ) I asked to speak with a supervisor. I was transferred to XXXX. XXXX explained that there was a " parent plus '' loan ( my son 's ) which was paid in full on XX/XX/XXXX. I have no record of these loans, so I asked for a copy. I have not received it. XXXX told me that I can not see the loan on Navient 's website because it was paid off so long ago ( 10 years ). I asked XXXX why this suddenly because accountable 10 years later. XXXX said she would expedite the " research request ''. This now would take 3-5 business days. Meanwhile, my mortgage application was still waiting in the wind ... On XX/XX/XXXX, XXXX called me. She stated that there were two parent plus loans that were paid off on XX/XX/XXXX. XXXX told me that I VERBALLY requested funds from the paid off consolidated loan be redirected to pay off the parent plus loans. I have no recollection of this transaction. Nor can I fathom the reasoning behind such an action. I can not even understand how this could be done. The consolidated loan was paid off for 3 months already ... How could funds be redirected after a loan was closed and paid off? To add insult to injury, I was told that the {$39000.00} was applied as a " payment in advance '' to my consolidated loan. Therefore, no payments were due until the {$39000.00} funds were depleted. This is one of the most bizarre things I've ever heard. I requested a copy of all documents regarding ALL loans. XXXX told me they would take approximately 7 days to gather and then they would be sent out. I specifically asked for copies of the " parent plus '' loans in my son 's name as I have no record. I also asked for any documentation regarding the alleged VERBAL transfer request. I was sent a copy of the Account Payment Information sheet showing the loan payment. I was also sent copies of correspondence beginning in XX/XX/XXXX. ( I already had these. ) I was NOT sent anything else. No records of my son 's parent plus loan ( the one the XX/XX/XXXX was applied to ) or any statements. XXXX also told me that correspondence was sent to my email account regarding the payments. She said I could see all the history on Navient 's website. I logged on. The only emails I received began in XX/XX/XXXX. The same time I received paper notification. If I agreed to this transaction, why are there no monthly statements? There are no letters, statements or other transactions for 10 years! Nothing posted on the website regarding the monthly disbursements of the {$39000.00}. How can this happen? I was told there was nothing that could be done regarding the payment and in order to resolve the issue, I would have to pay the current balance due including late fees and interest. I requested that I be allowed to pay off the original balance and forgive the interest as I was unaware of any outstanding loans. I was told this was NOT possible. In order to repair my damaged credit report, I reluctantly paid the original balance of {$8800.00} PLUS and additional {$6300.00} in interest fees and {$90.00} in late fees. This was totally unexpected and has put an undue burden on our budget as my wife and I are recently retired and living on a fixed income. Thank you in advance for anything you can do for us. Please let me know if you need anything else. | ||||||
| 10/15/2020 | Yes |
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| When I login to my account with Navient, they have taken away every viable option for deferment and forbearance and there is no mention of the administrative forbearance for which this loan falls under still. I also see online that my student loans were put into a graduated repayment plan to end on XX/XX/XXXX. I NEVER signed up for this and NEVER had an knowledge of this before today. Navient sent a fraudulent loan document claimed that I signed up for it. When in fact they typed up the form forging a signature in a way that I have Never signed my name nor electronically ever in life. Nor can they provide a valid and actual digital data certificate and audit trail for that " supposed signed form '' Navient said : You requested a copy of your original loan contracts. Weve enclosed copies of your Stafford Loan Application and Promissory Notes along with your request for assistance with completing a Smart Loan Consolidation Application. We assisted you with completing the consolidation application and the enclosed Loan Consolidation Disclosure Statement and Repayment Schedule was sent to you. I said : It was a more information form that was checked. Still no actual date on it and just because someone asks for more information doesnt mean they are going to do it. Plus there was no mention of an FFELP loan on that more information form. Just asking if I want a smart loan form prefilled with information not guaranteeing I would do it as there was no need to consolidate as I was in school at that time. Not to mention, a signature should never be prefilled when supposed mailed to me. Navient said : We previously provided your Promissory Note which was signed electronically. It is not a fake form. Electronic signatures are recognized under state and federal law including the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ), the Uniform Electronic Transactions Act ( UETA ) and the separate laws of the states of Illinois, New York and Washington. As indicated on page eight of your Promissory I Said : As I previously mentioned, I have other student loans and other contracts from over 20 years of both actual and electronic signatures ( which no one can prefill out for me as that would be forgery ). I have never signed using my middle name nor middle initial on any document EVER! I have multiple documentation including other student loans during that time period to prove every signature is the same. You might have mailed me a prefilled out form ( during that time period it would have been mailed to me as that more information for was requesting to mail it to me but I for sure did NOT sign it ) I can tell by how the signature is done with a middle initial which means it was typed out by someone. Not to mention, I never received the for the supposed consolidated loan promissory note ( including page 8 referenced ). What is also interesting is that every other form you have during that time period was handwritten except for this one. Not to mention it is missing IP address ( which would have been saved for any electronic signature with date and time stamp and audit trail = a digital data certificate and you dont have it ). There are a number of e-signature laws across the world, such as ESIGN and UETA, which define what constitute a legally binding esignature. Just typing a name on a form and clicking submit has several issues that prevent it being upheld in a court of law especially without an actual digital date certificate and audit trail. So yes that is a fake form that I NEVER signed and again was in school through out that time period so there was no need to consolidate in XXXX as the loans would have been deferred while in school. And again, I have documentation from other student loan servicers during that time period and the signature are exactly the same. This one form from you is different from any other form I have ever signed in my life even electronically. Also, you say my loans are no longer owned by the Department of Education, but you say that they can be discharged by the Department of Education after not being repaid in 20 to 25 years. The DOE disagrees with you as I checked with them. So where is that in writing? Navient ignored this. Finally, you said you removed a late fee from XXXX but there are additional unexplained fees still on the account that were not removed and still showing due and it should not be. Navient ignored this! But most importantly I never signed that form! I bet whoever typed up that form at Navient to pretend it was mine wished they had looked at my actual signed forms before they forged a signature using information that I never use in any written or electronic signature. They changed it to an FFLEP loan with a graduated payment on their own without my knowledge nor my signature. | ||||||
| 04/24/2017 | Yes |
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| I, along with millions of others, am a victim of the predatory and deceiving lending of student loans. Through shortcuts and deception, XXXX XXXX , now Navient cheated me and my husband out of our rights to lower payments and release our Co-Borrowers! It appears the voices of the consumers is finally being heard with the pending lawsuits from the CFPB, Washington state as well as Illinois lodging the unfair and deceptive practices performed by this company! My husband and I attended XXXX school at XXXX XXXX XXXX College in XXXX XXXX , XXXX . We enrolled in XXXX XXXX and graduated in XXXX XXXX with a XXXX in XXXX XXXX . During student orientation, the school had XXXX XXXX , now XXXX , onsite completing loans for students who had been accepted into the XXXX programs. The process felt very structured and rehearsed as we went from room to room completing the orientation process. The final step on that day was being introduced to the XXXX XXXX representatives. There were no other loan companies there which can easily make a new student feel unknowingly pressured and rushed into signing up for a loan that did not have his/her best interest at heart. It was on this day that I signed my life away without realizing it. The loan officer did not explain the difference between private and federal loans and they even approved my husband for far more than he needed or asked for. He initially turned down the large amount but the loan officer talked about how great of a loan it was and eventually convinced him to go through with it. They really took advantage of our age and immaturity. Now that we are older, we are able to think back and see all of the signs that should 've turned us away from not only the loans but the school itself! Combined, my husband and I are over $ 100K in student loan debt for a degree that took us 1.5 years to complete. I am writing this letter because we have tried numerous times to consolidate our loans but we have had no success. Not long after graduation, we tried but at the time, no companies were accepting consolidations for Private loans. We have been stuck with astronomically high payments for over 10 years now, which still to this day, are very hard to afford. Our monthly payments combined is almost $ 2K. After graduation, we continued to reside in XXXX XXXX but we were temporarily separated when we were forced to move back home with our parents in order to afford our student loans. He moved to XXXX and I to XXXX . That decision was made after we started receiving Collection calls from representatives who were rude and inconsiderate of the struggles we were experiencing as recent graduates. My brother started receiving collections calls as he was my co-borrower and my husbands aunt started receiving harassing calls as well. We both became highly stressed out due to the lack of access to alternative payment plans. We contacted customer service where they informed us of deferment/forbearance options. We applied for both and were accepted. It was a temporary relief from all the harassing phone calls we had been receiving. My husband eventually found a job and was able to join me in XXXX . We lived with my sister and her family until we were able to afford and establish a solid foundation in the midst of our high student loan payments. We have always made them our top priority because we do not want to ruin the credit of our co-borrowers, family members who believed in us so much that they invested in our futures. Never would we have thought, they would remain on our loans today. We were under the impression that our co-borrowers could be dropped after we made 12 c onsecutive monthly payments ; however, although we did that several years ago, our co-borrowers can not be released because we requested deferments/forbearances soon after graduation. We were completely mislead and now we consistently live with the guilt of affecting our co-borrowers ability to receive more appealing offers on loans to help them live their happiest lives. I recently read that some lenders target newer schools that need an enrollment percentage in order to achieve full accreditations. I honestly believe that is what happened in this case. The school was brand new and had not been accredited yet. I believe they partnered up to mislead students into loans in an effort to increasing their population of enrolled students so they could get their accreditation. I would greatly appreciate your assistance in this matter. I have felt this way for a years but never knew what steps to take to have this investigated until I saw a story similar to mine on XXXX XXXX . I pray that it 's not too late and that my family and I will soon see the light at the end of this very long tunnel. | ||||||
| 08/23/2017 | Yes |
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| In XX/XX/XXXX, I was a student at XXXX XXXX XXXX - XXXX, Ky. pursuing my degree in XXXX XXXX. After my second quarter at the school, financial aid explained that our loans were not enough to compensate for the distributions sent by the XXXX XXXX XXXX. We were told, In order for us to get our equipment and books, we must apply for a private Peaks loan or find money elsewhere. We signed up for the {$3000.00} loan that had a 23 % interest rate, just to continue our education. Due to hardship and financial reasons, I had to withdraw in XX/XX/XXXX. My student loan was placed in default. In order for me to attend school again, I had to make monthly payments to the XXXX XXXX XXXX just to be able to re-attend XXXX XXXX XXXX - XXXX, Ky. I restarted in XX/XX/XXXXat the XXXX campus. This 2-year XXXX XXXX degree was taking me 6 years to attempt to complete. I was to graduate last year XX/XX/XXXXto be exact. You can only imagine how heartbroken I was to find out that my Final semester of school would not be completed due to the school closing. I have applied for the school closing form issued by Navient ( my lender ). They only honored the XX/XX/XXXX-XX/XX/XXXX school year and removed the discrepancy from my account with the XXXX XXXX XXXX. The only thing is that they ONLY honored XX/XX/XXXX-XX/XX/XXXXschool years and not from the beginning when I signed up for school in XX/XX/XXXX. I did not change degrees nor was I enrolled in any other school except XXXX XXXX XXXX. All of the loans acquired from XX/XX/XXXXfrom Navient were for my education at XXXX XXXX XXXX. Discharge Criteria You may be eligible for a 100 % discharge of your Direct Loans, Federal Family Education Loan ( FFEL ) Program loans, or Federal Perkins Loans under either of these circumstances : Your school closes while you 're enrolled, and you do not complete your program because of the closure. If you were on an approved leave of absence, you are considered to have been enrolled at the school. Your school closes within 120 days after you withdraw. ( Education, n.d. ) From reading this information, I was enrolled within 120 days of the school closure. I do not understand why I have to pay {$32000.00} for an education I did not receive. UPDATE : I have made numerous calls to Navient and the XXXX XXXX XXXX Ombudsman group. I was told that there was nothing that they could do to help. I was also told, by both parties, We have a set of guidelines that were given to us from the XXXX XXXX XXXX. I asked for direct documentation of these guidelines and was told to search for them, myself, on the website http : //ecfr.gov. This database was huge! I asked the ombudsman where can I find the regulation and she stated that I had to find it myself. She was not helpful. After some time and a lot of patience, I finally discovered the Federal Regulation. Link : { https : //www.ecfr.gov/cgi-bin/text-idx? SID=a6ba18b03528ed7a03396ee9cd1e1049 & mc=true & node=se34.4.685_1214 & rgn=div8 } The contents of this regulation justify my findings and the XXXX XXXX XXXX/Navient are unlawful in their decision, by not granting me amnesty for this loan. Part of the problem is that the the DOE is doing business with ( the loan servicers ) as partners, not as overseers, said XXXX XXXX, a former official with the DOE and the CFPB who is now a senior fellow with the Consumer Federation of America, an association of consumer watchdog groups. ( Conlin, n.d. ) My credit score reflects 14 missed or late payments to Navient for the same student loan to XXXX XXXX Instead of one account showing 2 missed payments, there are 7 accounts, each showing 2 missed payments for the same loan, all of which have different interest percentages. My account is currently in forbearance and drawing interest daily. For the past year, my life has been placed on hold due to a poor credit score, and incorrect information about the school closure form. XXXX XXXX XXXX XXXX and Navient should be held responsible for this injustice. XX/XX/XXXX, I received a call from XXXX XXXX of Navient again and she explained that the XXXX XXXX XXXX told her to contact me in reference to this matter. She repeated that there was nothing she could do and I could re-submit a school closure form to Navient. She stated that Navient only allowed the final part of the distributions to be removed from the loans and that I had to be in school continuously at XXXX XXXX XXXX. I advised her that the Federal Regulations state otherwise and the regulations she has are incorrect and unlawful. She explained that the regulations, in fact, came from the XXXX XXXX XXXX. I then request XXXX XXXX to send me a copy of the regulation that she has f, so I may compare it to the CFR. She did agree to send a copy to me email address, of which I have not yet received. | ||||||
| 01/10/2023 | Yes |
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| This is based on NAVIENT. First and foremost, I access the XXXX XXXX XXXX web site to keep track of my loans. My other loan, financed through XXXX, has my IDR at $ XXXX. XXXX keeps my data on studentaid.gov up-to-date. Navient is always N/A! I was under the impression my loans were paused due to the covid relief. I check the XXXX regularly to see if the Navient loans are showing a repayment date, but they only show N/A and HAVE only shown N/A for the past year. Again, I assumed it was something to do with the Covid relief pause. However, I get an email that my statement was ready back in XXXX. Once I logged on, I was SHOCKED to see that I owed {$2100.00} for my XXXX payment and ANOTHER {$870.00} in fees. so, I owed over {$3000.00} for ONE monthly payment. I reached out to them via their web site, asking why I was being charged while the Covid payment pause was still in existence and they emailed me, XXXX XXXX loans were not eligible for any type of Covid relief, and I needed to make a payment to bring my account current. This is the one and only I've ever received where they tried to explain anything to me. When I responded, stating the obvious, I can not afford a {$3000.00} payment, I got a form email back, telling me to apply for XXXX or request a Deferment or Forbearance. So, not knowing what else to do and trying to avoid a default situation, I tried for the deferment and was denied. I tried for the forbearance and was denied. I applied for the XXXX, and received a letter from studentaid.gov that I qualified for {$53.00} monthly payments. So, I log on to Navient, and now I owe the {$3100.00} AND {$53.00}. I have emailed and contacted them via their website, SPECIFICALLY DEMANDING they quit calling me at work and/or via my cell phone because I'm working when they call and I don't want to be harassed at work. One time, back in XXXX, I accidentally took the call while I was at work and they were telling me I needed to make a payment right then or I was going to get sued and have my wages garnished. When I requested they fix the XXXX payment to be the same amount of the XXXX that I qualified for, they said I did not qualify for that. I am so confused. They send me " statements '', but online I can't find any statements, just a dashboard. I've reached out to them via email and their online contact method, again asking for assistance to bring the balance I currently owe down, and every single time I get the same email, " Are you having trouble making payments? If so, contact us for possible solutions. We are ready to customize a payment solution for you, based on your income and other factors, and can guide you through the repayment process. Options may be available to help reduce or temporarily postpone your monthly payment. '' I HAVE CONTACTED THEM!!! I just keep getting ran around in circles, AND they reported me to the credit bureau back in XXXX!!! I fought their claim, and the negative item was removed from my report. They have again this month, reported me to the credit bureau that I'm 90 days delinquent in the amount of {$3100.00}. I just don't understand how they can demand a monthly payment that high!! Based on my XXXX, it would take me 53 MONTHLY payments to make that ONE XXXX. payment!!! I've even reached out to attorneys, because I just don't even know what else to do! I did finally receive a response that was personalized, but are yet again doing nothing to bring my payment down. Can they REALLY force me to make a payment where FEES ALONE are almost a XXXX dollars?! How is this even possible?! I don't know where else to turn, because they are demanding a payment that is over XXXX my MONTHLY salary! OH! And my daughter is currently enrolled in college, and I'm paying out of pocket for HER portion of tuition that isn't covered under loans/aid/grants. Thousands of dollars! I just don't get it. When I did the loan consolidation back in 2005, I thought Navient/XXXX XXXXXXXX were federally financed loans. I don't know when my loan became privatized. I don't understand how, anything works, and all they will tell me is that they won't backdate the XXXX ( even though they have ALWAY backdated in the past, especially for deferments and/or forbearances ). Now, however, if they backdate the XXXX by one month, they'll lose {$3000.00}. But if I'm NEVER going to be able to repay that month, what alternatives do I have? I can't write them of in a bankruptcy, but they are literally FORCING me to make a payment XXXX times higher than they know I can afford! I have tried, since XXXX, to work on bringing my payment down to a fair amount, and have received the same response that I will attach, repeatedly. Over and over. Only TODAY did I receive a personalized response, that basically says sorry not sorry, you have no choice. | ||||||
| 04/23/2021 | Yes |
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| I have received 15 phone calls between Wednesday XX/XX/XXXX and Friday XX/XX/XXXX. I finally called the number back at about XXXX to see what they wanted and who they were since they werent leaving any voicemails. I called them back a second time, this time with my wife being on the phone with me to help deal with the issue. I was active duty military from XX/XX/XXXX to XX/XX/XXXX and then was active reserves from XX/XX/XXXX to XX/XX/XXXX. They do not have a military policy listed, I would of had to call a separate number to discuss any kind of program to be put on. I had both federal loans ( 8 ) and private loans ( 2 ) with this particular lender. I do not know why I was only able to take out 8 federal loans and the last 2 loans needed to be private. My payments went towards the federal loans first and they are all paid off. The last 2 loans were private. Why the federal loans were paid off before the private loans, I dont know. I just made the payments and Navient applied them there is also several fees applied to my loans which I do not understand along with terms like resale, reversed payment, forbearance payment and adjustment. There is even a late charge for one month of {$100.00} on a principal amount of {$8300.00}. I briefly qualified for their income based repayment plan and then was kicked off without notice. I went back to school in XXXX of XXXX to further my education and just graduated during the pandemic. As of Wednesday XX/XX/XXXX to today Friday XX/XX/XXXX I had received a total of 15 phone calls. The 15th phone call happen while I was on the phone with a representative of Navient. Was told while on the phone with the representative that I had called back in time before they reported everything to the credit bureaus. The representative put me on a, what I thought was a rate reduction program, but was put on an interest only payment program. The website specifically states that the rate reduction program is good for 6 months whereas the interest only program does not. I agreed to this program and hung up with the representative. After discussing all this information with my wife, we ended up calling back Navient and discussing other options that are listed on the website. The representative we were talking to the 2nd time eventually transferred us to a supervisor/manager to which we were going round in circles to get a much better explanation on why I wasnt able to qualify for Term and Rate Modification Program. All the supervisor/manager would keep saying that is these programs do not apply to me. While talking to representative and supervisor/manager we kept asking what the qualifications were for these programs and the representative kept on saying that she had a bad connection and couldnt hear me and was still unable to answer the questions which then she transferred me to the supervisor/manager. I was told that there was no grace period after graduation and needed to start paying immediately. I was informed that I didnt qualify for the Rate Reduction Plan even after the last representative from the very first call said I did, and then was told that I was put down for an Interest Only Plan which was not told to me. I requested numerous times documentation as to why I dont qualify for these plans and what the qualifications for these plans were and the supervisor/manager said that he does not have that kind of form letter. I stated to him that I was not asking for a form letter but documentation of why I did not qualify for these programs that are offered. Supervisor/manager said that each case is dependent on several things and figured out on a personal basis. However he was not able to give me any qualifications or tell me anything personal regarding my case as to why I didnt qualify. I also asked for a printed copy of my payments and documentation of when I was on the Rate Reduction Plan and they did not think they could get that information either. I was falsely told I was on an Income Based Payment Plan when that was a Rate Reduction Plan for 6 months and then told today ( XX/XX/XXXX ) I was on a Rate Reduction Plan when they entered in the notes as an Interest Only Plan. My interest continues to increase to a now 9.75 % There website does not clarify any qualifications for any of these programs and neither can the customer service or management. They also stated they do not have documentation of this. How is this fair to me and any other borrower. If I was able to be on the rate reduction program I would not be in the spot of struggling with payments like I am. Upon further review of my loan details and history of my federal loans and private loans that I have with Navient, my wife noticed some pretty HUGE discrepancies with the private loans on how dollar amounts dont add up. | ||||||
| 02/01/2021 | Yes |
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| To whom it may concern I'm trying to resolve this issue with the department of education for almost 30 years.I enrolled in the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX in XXXX. After a few months ofattending this XXXX school I came down with the flu, at the time I lived in New Jersey and I use totake the bus to go to school. My travel would take about 2 hours to get to school. When I got sick I called the school and explain that I was very sick with the flu, that I won't be ableto attendschool for a few days. And she told mesince I had the flu it would be best to come back to school when I got better. After about 2 weeks I felt much better and went back to school and they told me I could not go back to class because I had missed toomany days. And I explain thatthe reason I did not come to school is that I had the flu, I also told them that I had spoken to XXXX the office manager and she said it was fine to come back when I got better. I askto speak toXXXX and they said she was out sick also. And I ask was there someone else I can speak to about this and they said no, that she was the person that was in charge of attendance and call back in a few days. When I called back they said she was out sick. Waited a few more weeks and called again and then they told me she had a transfer to another department that I needed to talk to XXXX and he was assigned to my case.And he would get back to me with a response about megetting back to class. Again I waited for a few more weeks for aresponse. Never got a call back from XXXX. I called back again and try to talk to XXXX and they told me he was not available that he would contact me. Months pass andI try to call and speak to XXXX and I was not able to speak to anyone about getting back to school.I was veryupset andfrustrated, that I could not do anything or talk to anyone about getting back to school. Months pass I try again to speak to XXXX and with no luck once again he was not available. Several months pass always try to speak to someone that could resolve this problem and was not able to speak to no one.Over a year had passed then I started receiving bills to start paying my student loan, I was surprised I was receiving this even though I had not finished as promised by the school.So I called the school again and try to speak to anyone that could help me resolve this issue or answer my questions, as to why I was being charged for a student loan bill when I was not let back to school to finish my classes. I even ask for XXXX and they told me he was not available. A few months pass started making my payments to XXXX XXXX and I called them and explain my situation and they told me I should contact the school or go in person and get the problem resolve. So I went in person and try to speak to anyone and to my surprise, the school had closed in XXXX So I called XXXX XXXX and they told me to apply for an Economic hardship deferment request and at the time I was not working so they told to apply for an Unemployment Deferment and to also apply for a Loan Discharge Application since I was not let back to finish my classes.And XXXX XXXX told me to keep paying my student loan as best as I could in the meantime while the applications went through because if I did not it would mess up my credit. I apply several times for these applications throughout these years and I never received a response. After a few years of dealing with XXXX XXXX and no solution to my problem, I received a letter saying that my loan had been acquired by Sallie Mae, so I started calling and speaking to Sallie Mae representatives and I explain the problem that I had with my student loan and they also ask me to sent a Loan Discharge, Economic Hardship, and I did a few times and no solution either. After a few more years, I received another letter saying that my loan had been acquired by Navient and I also called them and explain the problem with my student loan and they took my number and I never received a call from anybody. The original company that I was paying to was XXXX XXXX XXXX XXXX XXXX XXXX and then Sallie Mae Loan Services and now Navient. I also contacted XXXX XXXX to see if they can help me fix this problem with my student loan with The U.S. Department of Education. And my claim to get my student loan discharged was decline. I checked my records the original loan was for $ XXXX these past years. I paid to the different companies that had my student loan about {$10.00} And now I just checked my credit and is showing 2 student loans when I only had one. This is why I think I should not be responsible to pay any more money to a student loan that Im being forced to pay, and that the school took the money and ran and never let me finished my classes to get my diploma. Thank you XXXX XXXX XXXX XXXX | ||||||
| 11/21/2018 | Yes |
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| XX/XX/XXXX I was told to go to HR at the company I work for. When I got there I was told that this company called XXXX XXXX XXXX had mailed some forms to them about garnishing my pay. They wanted to take 15 % of my income. This is a lot and it is going to cause a financial hardship on me and my wife. Plus 15 years ago Sallie Mae after months of communicating back and forth with them about my loan. See I went to college because I wanted to work on a XXXX XXXX, so I had to major in XXXX XXXX XXXX. I went to sign up for classes and met a financial aid person and she helped me sign up for a loan. I told her that I had a XXXX XXXX and she told me that was ok because in 2 years I would be working on a XXXX XXXX. I signed up for my classes. I XXXX 3 of my classes and got a XXXX on another one. So I had to take those classes all over again. I talked to financial aid and asked what I should do and she told me not to worry about it everything was going to be alright and she suggested that I just take other courses and then go back and repeat the XXXX courses last. I wanted to get math out of the way so I took it again and XXXX again. So once again I went to see the financial aid lady and she said for me not to worry about it. I got 2 XXXX and 2 XXXX. Coming back from spring break I went to see the financial aid lady and asked her what I should do she said for me not to worry about it she would go and talk to my math teacher to see what we could do. She told me just to think about working on a XXXX XXXX. I went to math class that day and after class the math teacher asked if he could see me after class. After class I went to see him and he introduced me to someone who was going to tutor me. I met with my tutor and I told her I am really trying but that I can't remember anything and that I didn't understand anything. She worked real hard. The big test came and the math teacher said I would need a A on the test to pass the course. I got a XXXX. My tutor asked me how I was doing in my other classes and I should her my grades and she asked me why I was still in school. I told her that the financial aid lady told me that I would be working on a XXXX XXXX like I wanted to. I told my tutor that I went and talked to the financial aid lady about dropping out and she just kept telling me that I would be working on a XXXX XXXX when I leave college. My tutor asked me what I wanted to really do and I said I am just getting all XXXX and XXXX and I should probably drop out. I decided I was going to go and talk to the financial aid lady again but this time I asked my tutor if she would go with me. We went to the financial lady 's office and I told her that I wanted to drop out of school and she asked me why I told her I was getting all XXXX and XXXX and she told me that I had a dream of working on a XXXX XXXX and we will make sure it happens. While we were talking my tutor was reading my loan papers. The financial aid lady got me to sign the loan papers so I held my breath and signed them. I started to date my tutor and we ended up getting married and I did drop out of school. I went to work and my new wife continued her college and she graduated. She went to work in a XXXX XXXX. Her older brother invited us to go and live in XXXX and he could get me a job where he works. So we moved to XXXX, to make a long story short me and my wife ended up XXXX. I called Sallie Mae and got a forbearance. My wife started getting really sick and all the drs in XXXX said it was in her head. We ended up going back to XXXX. Time went on and I got another forbearance and then another forbearance and now my wife is being rushed into XXXX. She was in the XXXX XXXX for 9 and a half hours. She almost died. My wife was really sick it wasn't all in her head. She was XXXX XXXX for almost a year after that XXXX. During the time my wife was recuperating she reread my loan papers and on the back of the loan papers it said if a student doesn't keep up a XXXX GPA they would not qualify for any loans. My GPA was always way below a XXXX. My wife told me I should of never gotten those loans and that Sallie Mae was irresponsible in giving you those loans. My wife knew other financial aid people and come to find out the lady that was getting me to stay in college was making commission on the loans. I started calling Sallie Mae and a months of talking to them and they talked to others. Sallie Mae said I fell threw the cracks and I shouldn't of been getting loans and because everyone XXXX me a young impressionable man they were going to write off my loan. I never thought anymore about it, until I showed up for work and HR showed me the forms. I never even heard from anyone. I tried to call the college to get any paper work I could and XXXX College closed. | ||||||
| 06/17/2018 | Yes |
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| I graduated from high school in XXXX in XX/XX/XXXX. Neither my family nor I hadthe financial means for me to pursue my education, so my aunt promised to help. I was accepted at XXXX XXXX University which is a private college in XXXX XXXX, XXXX.Over the period of time that I matriculated at XXXX XXXX University my financial needs were met by a series of loans. XXXX XXXX University assisted with myobtained financial aid through Navient, ultimately with my aunt agreeing to be a co-signer on the loans. We were under the impression that Navient would work with us once I graduated with an amortization plan that I could afford and would ultimately help me to pay my loans off in a timely matter. Unfortunately when I graduated I found this not to be the case. My monthly payments were based on my income and my Aunts income and as I was paying the loans off alone, it was difficult for me to reach an agreement with Navient in which I could afford. In order for me to have the cheapest payment they would accept, which was still above my means at the time, it was a payment they would only put towards the interest and not the principle of my loans. I needed the money to obtain my education but little did I know at the time of signing that it would actually be anenslavement, as I have paid over {$56000.00} since my graduation in XX/XX/XXXX and the loan principal is now even higher than when I graduated. Navient has not been cooperative in helping me get my aunt off the indebtedness as a co-signer despite their promises and I can not get the indebtedness restructured so that I will eventually get the loan paid off. In an attempt to do so I reached out to Navient to have my aunt removed as the co-signer on the indebtedness. We were informed by Navient that if I made my monthly payments by auto draft, for one year, we could have her removed as co-signer. And in turn would be able to lower my monthly payments, to something I can afford based on my income alone, due to the fact that I am paying the loans off on my own. These payments would also then be able to go towards the principle of my loans instead of just interest. Unfortunately on month 12 of the year period I noticed my payment was not auto drafted. As soon as I noticed I called in and made the payment. At this time I was informed that the person I worked with previously had put me on reoccurring payments which only last 11 months. Even though I had called and still made my 12th month payment they said it did not count because it needed to be on auto draft for a year. I appealed this decision, seeing as I had made my payments with no problems for 12 months and it was Navients error that had the payments come out of my bank account incorrectly. Unfortunately Navient did not accept my appeal and I have been attempting to take my aunt off as my co-signer and lower my monthly payment ever since. Here are the specifics of my loans : On the following dates I obtained student loans from Navient in the amounts of XX/XX/XXXX {$39000.00} ( loan # 1 ), XX/XX/XXXX {$28000.00} ( loan # 2 ), and XX/XX/XXXX {$25000.00} ( loan # 3 ). I graduated from XXXX XXXX University on XX/XX/XXXX and I have made payments on the loans for the total amounts of {$13000.00} ( loan # 1 ), {$17000.00} ( loan # 2 ), and {$25000.00} ( loan # 3 ). The outstanding balance for loan # 1 now is {$37000.00}, for loan # 2 now is {$32000.00}, and for loan # 3 now is $ XXXX.Which means that since graduation I have paid a total amount of {$56000.00} for the three loans and yet my three loans have gone from me owing {$93000.00} at graduation to me now owing {$100000.00}. Despite my total payments of {$56000.00} since graduation my student loans have actually gone up {$9100.00}. The above numbers prove that I continuously make my payments. In fact on loan # 3 I have paid more than enough to pay off my original balance and yet somehow owe more than what the original amount was for. I have made two requests of Navient for the loans to be placed in my name alone. My aunt has recently sought to incur additional financial obligations and her contingent obligation on these loans has been detrimental to her purposes. As I have fully complied with their requirements, butthe firm has not released my aunt from my obligations, I am asking for your assistance. I also have asked Navient for a new amortization statement under which I would eventually pay off the loans as all prior payments were mostly credited to " interest '' alone and not much on principle. Apparently the customer service department of Navient isn't bound by its promises and we are powerless to resolve the problem without damaging our credit, so we ask for your help. Please contact me if you need further information. | ||||||
| 12/20/2018 | Yes |
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| Navient claims there is a debt owed on the account that is due solely because of an unsubstantiated variable interest rate. When asked to review the account, Navient claimed they had the Ombudsman department do a full audit on the account, with calls regarding the alleged delinquency stopped until the resolution of the issue ; however, these action were never taken. Navient continued to call 20+ times while the " investigation '' was underway. When asked to substantiate the conclusion of the report, Navient claimed there was no documentation to provide and the account was still delinquent. All requests to discuss with their Ombudsman department were denied and I was, instead redirected to a number of other departments. I have yet to receive answers or documentation from Navient, supporting their claim of a past due balance. Additionally the student loans in question were originally the from Sallie Mae, before the mass move into Navient. Although I am a full-time student, we were offered two loans that necessitated monthly payment on the interest of the loans- I believe that this was a predatory practice on the part of Navient XXXX Additionally, the school has a less-than 50 % graduation rate. I am concerned that I was A. led into an monthly-interest payment loan, although I am a full-time student, B. I more recently was led to believe that re-payment options made available to me would reduce my monthly rate, only to find, after additional inquiry, that they, in fact raise my rate. After over 30 phone calls from Navients automated system ( I have requested 5+ times that I do not want contact via automatic dialer and told by Consumer Advocacy that the calls would be pushed out until the plan went through ), I called to finalize my plan. I was told by a representative that the plan, would, indeed reduce my rates to a particular amount. It was only after she had done so did I realize the final, lowered amount ( which she claimed was as low as possible ) was actually higher than my current payment option. Additionally, this representative claimed that my monthly amount was a number I have never paid or heard before. This is predatory behavior, and certainly ANOTHER example as to why Navient is facing a class-action lawsuit. I immediately called Navient back, and spoke to 9 representatives over the next 3 hours- one of whom seems to have purposefully disconnected the call. I was told that there had been a capitalized interest rate added to the account, but this representative could not explain why/how. The next representative said there was no capitalized interest rate and to ignore that number completely, due to the new lowered payment plan. I was passed along to 3 other representatives, all who claimed they could not help me. When I noted that my lowered payment plan actually was higher than my current and that it had not been previously known to me that it would take me out of my in-school deferment status- the agent seemed to threaten the plan already offered to me, saying, We dont even have to give you that! Additionally, I called a number of times to inquire who the 3rd party financer of my loan was- only to be told 4 different times that it was solely Navient. It was only with the last agent I spoke to ( today alone ) who noted my specific financer was Sallie Mae Bank. I additionally asked where to find substantial evidence of the change in market, effecting my variable interest rate- only to be refused the information ; the agent claimed that monthly changes could be found on my master promissory note and that that, instead, would be sent for my review. I asked another agent if there were any payment plans available to me to lower my monthly rates as a full-time student, I was told no ; when it seemed I was then going to end the call, this agent immediately tried to PERSUADE ME INTO FORBEARANCE WITHOUT disclosing the raise in my monthly rates, therein. Navient tried to steer me toward a forbearance without the associated an necessitated information, just as they tried to lure me into a payment plan they claimed would lower my monthly rates ( going as far as to take my financial information to fulfill their requirements for this plan ), while it actually raises the monthly costs and takes me out of my deferment status. As a student, I can not stand for it. These predatory practices by Navient have to end. I have the names and ID numbers of all agents I spoke to today, as well as the name and departments that made up the lowered payment plan. Navient continues to harass me, calling 5+ times a day, claiming I have not paid the balance, although I have. They even went as far as make a report to the credit bureau, ruining my credit, without any substantiated information. | ||||||
| 08/25/2017 | Yes |
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| In XXXX XXXX I spoke with XXXX XXXX ( XXXX ) at Navient and explained that I recently filed XXXX bankruptcy to free up money to pay my student loans. I moved to another state for a better job and recently I had settled with another private loan vendor on an agreeable amount to pay off the private student loan ( XXXX XXXX ). We discussed payment options and I discussed a loan payoff with XXXX XXXX. XXXX and I were able to agree on an amount that I could pay monthly that would be drafted for 3 months then my interest rate would be lowered due to hardship. I sent the appropriate paperwork, XXXX bank statements and pay stubs, and a few weeks later the program was denied. Navient did draft the XXXX payments as agreed upon and I was told by XXXX XXXX that the loan could be settled for 75 % of the loan amount, at the time {$35000.00}. My plans to sell a rental property would take a few months to get the money. I then spoke with another Navient Representative, XXXX XXXX, over the telephone about my bank account information and he asked that I once again send documentation. I sent the documentation but was denied again. I spoke with XXXX ( XXXX ) in XXXX about our bank account information who told us that information about our rental was not documented correctly in the original review and with the added liability that we would qualify for enrollment in the rate reduction program. A confirmation confirming this enrollment posted to our navient account on XX/XX/XXXX. This is the first of this type of confirmation ever through all of our applications as the others have all been denials. We agreed to a $ XXXX. payment for 36 months that would be drafted from our checking account. A payment was drafted on XXXX XXXX. On XXXX XXXX at around XXXX, I received a call and the Navient representative who immediately demanded that I " make a full payment '' after telling me that I had not qualified for the program for which I have a letter stating my enrollment. I asked to speak with a manager because she was unwilling to do anything but recite to me how based on my bank statements I had money to pay the payment. I spoke with XXXX for a long time who began telling me how I was not prioritizing my debt correctly and how I would not have the option to discuss such matters with other lien holders. I explained that while that may be true I had been a part of multiple conversations on numerous occasions with Navient where the same information is reviewed every time and the details and agreements with each conversation change on a monthly basis and I simply can not change my fixed budget from month to month once I have an agreement in writing. He was patronizing and condescending. On XXXX XXXX I spoke with XXXX XXXX ( XXXX ) who plainly and rudely told me that based on my checking account balances I had enough money left over every month to make a full payment of {$410.00} a month. She stated that the conversations on the phone did not match the bank statements that we sent to them. She admitted to only looking at a snap shot in time and that we had to help them understand where our money went. This is a similar conversation as the one where our mortgage was deleted from a telephone review and we did not qualify for the offered programs. Now that we did qualify back in XXXX they have changed their minds. She told me that enrollment does not mean approval. This is odd because the document clearly sets guidelines for how to complete enrollment and no where does it state any further " approval '' requirements until at the 12 month mark. If it is what they say, this is a misleading document, that implies one thing and gives Navient the ability to renege on their agreements based on the syntax of their document. In the meantime I have allowed them to draft money from my checking account each month based on the $ XXXX. enrollment agreement. Although I have been successful in my career I have had poor luck with student loans and with paying them off. I am single income, I have XXXX children, I have filed bankruptcy and moved to another state to gain employment making enough to pay for my student loans. I am trying to maintain quality of life for my family and pay the money that I owe and I am willing to make payments for as long as I have to even if I never pay off any principle to maintain this. I also have government loans with Navient that I am having a hard time paying. It seems that my strategy is not enough for Navient even when playing their game. The representative today said that I had to be at poverty level before they would honor my program. This is absorbent and usurous. I am not running from my student loan payments but I do n't have an option to forego my other obligations, especially my family. | ||||||
| 06/07/2017 | Yes |
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| When I was a student back in XXXX , Navient was still considered XXXX XXXX . I had to drop out of my classes due to familial and personal obligations and was unable to continue my classes. I had called XXXX XXXX in XX/XX/XXXX , just before dropping my classes to ask them about my repayment options, they told me that I would have 6 months from the time my semester was over to start repayment. I dropped the class and was later contacted in XX/XX/XXXX by a representative telling me that my repayment had begun in XX/XX/XXXX . I had informed them at that time that I was having personal issues and could not pay the loan back at that time and they put me into some type of deferment over the phone. In XXXX , I was back to school and I was able to change my deferment status to " In School Deferment ''. A long time has passed since I ever contacted XXXX XXXX , including the company moving over to NAVIENT. As I was reviewing my credit report, I noticed that several of my loans had late payments on them. I tried about 3 times to dispute the late payments, and instead of being removed, they were being updated, causing them to be more perceptible. I did some research about the Fair Credit Reporting Act before contacting Navient directly. Because I did not have any documentation, ( at this point 4 years have passed and I have moved from home to home multiple times. ) they said they were not able to change it. Further, they informed me that they do not have any record of ever speaking with me in XX/XX/XXXX , rather, they claim they have tried to contact me several times and were unsuccessful at doing so. Though they do not admit to speaking with me in XX/XX/XXXX and applying an economic hardship deferment to my account over the phone, they do admit to updating my account with an Administrative Forebearance in XX/XX/XXXX , when I called them and told them that I was now in school. Though they updated my account, they refuse to update my credit report with a forebearance that they qualified me for. Through the many times that I spoke with customer service representatives at Navient, many of them had difficulty even locating that there was ever a late payment on my account because it was covered by a forebearance, and followed by an in-school deferment. I do not know what went wrong or why they have no record of my XX/XX/XXXX phone call. I do not know their internal business practices or how much information they lost throughout the process of being merged into a different company, what I do know however, is there was an admission of a forebearance being processed on my account, and that means that there was an Update on my account that brought my account to current. My loans were consolidated and closed with Navient since the end of XXXX but these late payments remain, and may remain for another 3 years. Unfortunately the remark on my credit report says " serious delinquency '' which I have not had since my delinquency with XXXX XXXX . My understanding is, per FCRA 623 ( a ) ( 2 ), that it is not only the duty of Navient ( formerly XXXX XXXX ) to correct information on my credit report, but also to UPDATE it when an update becomes available. Any time of deferment or forebearance applied to my account would be considered an update to my account and should be reported as such. Per Advisory Opinion to Harris ( https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-harris-03-22-99 ) " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. '' If Navient or any representative of Navient made the determination that I qualify for a deferment or forebearance that would bring my account current, they should have furnished that information to the credit reporting bureaus to cover the months that were initially reported as delinquent. Below, I have uploaded 1 of 2 letters sent to me by Navient. The name and signature of the representative have been redacted for the privacy of the advocate who was " helping '' me. They should be able to provide a copy of the first letter also, as I do not have an electronic copy of it. | ||||||
| 05/23/2017 | Yes |
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| I recently sent this to Navient " I have had a baffling experience with your Customer Service department over the last few months. I called in XX/XX/XXXX to discuss consolidating my loans. During that call, I was told that consolidation would not affect my repayment amount. You might, then, be able to imagine my shock when I received a message in XX/XX/XXXX informing me that my repayment would increase from {$250.00} per month to {$900.00} per month. When I called to find out why, I was told that I had been moved to a Revised Pay As You Earn plan, which meant that my spouses income would be included in my repayment calculation. I was surprised to learn this, because when I sent in my paperwork i n XX/XX/XXXX and XX/XX/XXXX for my yearly IBR renewal, I included her pay stub and it did not affect my repayment in either year. Nor did her income information affect my repayment when I sent in another IBR XX/XX/XXXX due to a decrease in my income. I was told that I needed to resubmit an IBR and indicate that I wanted to move to a PAYE plan. I sent in that paperwork sometime during the first week of XX/XX/XXXX . On XX/XX/XXXX I called to discuss the status of my paperwork. I was told that it was in the pipeline and would likely be processed later that week or early the following week. I was also told that my repayment should be {$200.00}, but a later look at the repayment calculator on the FAFSA site indicated that the foregoing amount was likely inaccurate. When I still did not receive any notification by XX/XX/XXXX , I called once again to ask about my paperwork. I spoke with a woman named XXXX , who told me that my recalculation request had been processed on XX/XX/XXXX and that my repayment amount would be {$900.00} per month. When I asked her to look again, she told me that I had incorrectly filled out the IBR form and that I needed to send in more paperwork- this time checking the box to indicate that I wanted to move to a PAYE plan. When I communicated my bewilderment at the sudden inclusion of my wifes income in my repayment calculations, she informed me that this change had nothing to do with whether I was on a PAYE plan or a REPAYE plan. Instead, she continued, I had answered Ques tion XXXX incorrectly, and should have checked the box to indicate that I had no reasonable access to my spouses income. She then asked for my gross income to give me an estimate on what my payment would be once my paperwork had been processed. Very little of what she said sounded right to me, so I checked a copy of th e IBR form. Question XXXX does not as k whether I have reasonable access to my spouses income ; it asks whether I have reasonable access to her income information. Next, I ch ecked the FAFSA website. The FAFSA website clearly states that REPAYE plans take spousal income into account regardless of IRS filing status, whe reas PAYE plans only factor in spousal income if the couple files jointly ( we do not ). Finally XXXX asked for my gross income, but payments are structured around adjusted gross income, and given what happened prior to that, I have no faith that she calculated it correctly XXXX was wron g on two acc ounts ; she gave me incorrect information which may affect the st atus of my current roun d of IBR paper work. I would like to know why I was told on XX/XX/XXXX that my paperwork was being processed when it was not. I would like to know whether XXXX simply did not know what she was talking about, or whether this level of service is what I can expect now that your legal department has opined that Navient has no obligation to counsel me about repayment. Finally, I would like my monthly repayment set at the rate of {$250.00} per month, as that amount is what the FAFSA repayment calculator believes I should pay. I sincerely hope that I never have an experience like t his one agai n. '' Then a couple of other things happened. " Follow-up- just received a delightful message that I can not switch repayment plans as I am not in my recertification period. N ot one of your surely adequately-trained employees mentioned that I would need to be in a recertification period to change plans. The message went on to say that I could ask for a recalculation. You might remember from my previous email that XXXX assured me that my recalculation had gone through, thus putting me at the not at all unaffordable monthly payment rate of {$900.00}. Your customer service department is dysfunctional to a degree that surpasses most telecom companies. " And " Oh and hey, it looks like my direct payment has been turned off! What an incredible level of customer care! '' No response from Navient as of this writing | ||||||
| 05/01/2017 | Yes |
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| I have been working with XXXX XXXX and that is now Navient since XXXX . I was told I was a co-signer and would have to pay on the loan. My daughter was in Alaska on a fishing boat and could not be reached. I paid back fees and got the loan up to date and was told if I made payments it would not hurt my credit. That was not true I got hit every month on my credit report. I could not and still ca n't log in to the account only my daughter can. Even though I am the one p aying on it. I went to a lawyer to try to get a release from the loan and even the lawyer could not get a signed copy of my signature. I have been paying on this loan that started at XXXX XXXX and it went all the way to over XXXX XXXX I now have it down to XXXX XXXX and pay betw een 200.00 and 250.00 dollar s a month. I called today to get a payoff and they were not willing to talk to me about it. I talked to XXXX XXXX and she said they were not willing to give me any less of a payoff. I told XXXX they had called my daughter with a payoff and why could I not get one. In the very beginning XXXX XXXX and Navient would call me and harass me on my work phone and had to get a different phone number. I am at a point where I do not know what to do to resolve this issue. I want to get a payoff so th at I may move on with my life. This is my lawyer letters talking to XXXX XXXX . I can certainly understand your frustration with this process. After dealing with a couple different Customer Service reps, I was informed that your written authorization for me to speak on your behalf was not enough, and you would need to call in to give your verbal confirmation. I insisted that you be able to speak with the same representative, so here is her number and extension : " XXXX '' : ( XXXX ) XXXX Extension " XXXX '' ( XXXX , " XXXX '', XXXX ) This extension seems strange but I asked her to confirm and it indeed is XXXX , so please call XXXX and give your verbal permission for me to speak with her about this matter. I have already faxed over the explanation/demand letter so hopefully this will move quickly once they have your authorization. Thanks, I spoke to XXXX from XXXX XXXX Collections Dept at so me length this afternoon and here is what I found out. She claims that she can not send me paperwork on these loans, but over the phone could give a description of the loan itself ( including the Account #, which may en able you to access this online ). XXXX informed me that you are listed as the co-signer o n one loan, whose first distribution date was XXXX / XXXX / XXXX . The account # I presume ) is and the loan # is. The first payment due on this loan was XXXX / XXXX / XXXX . She indicates to me that payments have been periodically made, beginning w ith three pa yments in XXXX . Then in XXXX , payments were made in XXXX , XXXX , XXXX ( {$420.00} ), and XXXX XXXX ( {$210.00} ). T he next payments made were the {$120.00} monthly payments you were making. She indicates that the payments before the {$120.00} payments were made online and she could not see whether these were made by you or Unfortunately, that is all the information that I could gather besides her insisting that you had signed an agreement to be the co-signer ( she said because she is in the collections department, she does not have access to the initial signed document ). Further, she basically indicated that the only way to go about challenging this would be to file a police report against and cont act their " Fraud Line ' ' at XXXX . Obviously I did n't want to contact the fraud line on my own without giving you this information, and i t may be possible for you to get access to the signed document after being transferred from the fraud department, but I did n't want to raise any red flags in this matter without speaking with you. I would advise that you contact the fraud line and request the signed document once again, but you may need to tread lightly if you would like to keep law enforcement out of the situation, because this could be a very serious crime if blank indeed forged your signature on the loan document, and filing a police report may be a p rerequisite to going through the fraud department process to release your status as cosigner of this loan. I know this may be a lot to take in, so please contact me if you have any questions. I will not contact XXXX XXXX any further unless you request it, but I think contacting the fraud department and requesting the cosigner document would be your best bet for now. Sincerely, I want this chapter to come to an end and would love to have what ever help you can give to get a payoff. Thanks | ||||||
| 03/16/2018 | Yes |
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| RE : Navient customer service and the Public Service Loan Forgiveness Program Dear Sir or Madam I am writing to file a complaint about two things related to my student loan debt. One is regarding Navients handling of my student loans prior to consolidation with Direct Loans inXX/XX/XXXX. The other is regarding XXXX XXXX and XXXX XXXX XXXX. Concern 1 : My student loans were handled by XXXX XXXX/Navient in the few years prior to XX/XX/XXXX ( when I consolidated with XXXX XXXX in order to qualify for the Public Service Loan Forgiveness act ). In XX/XX/XXXX, when I heard about the Public Service Loan Forgiveness act, I contacted my loan servicer ( at the time XXXX XXXX ) and asked them how I could apply and qualify for this. Knowing I work for a XXXX XXXX XXXX and that I would likely qualify, ( with over {$60000.00} in debt and an annual salary of {$38000.00} at the time ), I was eager to do what I needed to do. The customer service representative told me that I needed to do nothing but wait till I had paid 10 years of payments. I called again the next year and was told to wait. I was told that XXXX XXXX is a XXXX XXXX service provider, so to keep making my on-time payments and watch for more information to be released on eligibility. I remained with my public service employer and continued to make payments under IBR. Not until XX/XX/XXXX, when I heard that I should talk to XXXX XXXX, did I call them and they told me I had to consolidate my loans with them. At that point, I learned all my payments from XX/XX/XXXX ( when PSLF began ) through summer XX/XX/XXXX ( when I finally was told to consolidate with XXXX XXXX ) would not count towards PSLF ). Since I have been working for the same eligible employer and making on time payments that entire time, I feel like I was purposefully mislead. At one point, I even liquidated my retirement savings in order to make payments. Sadly I paid with one single check to last a year and Im afraid that too didnt count. If I had held it back in an account and paid monthly it would have counted. Regardless, XXXX XXXX purposeful withholding of the information I needed cost me 2 years of payments that I believe I am entitled to through the PSLF. Concern No. 2 : Concern NO. 2 Please note that I have applied for the PSLF program. My employer ( whom I have been continuously employed by since XX/XX/XXXX ) and years of service were approved. XXXX XXXX XXXX are not crediting me with the appropriate amount of months. This is related to the Handling of my loan by Navient. I have sent the correspondence below twice to XXXX XXXX and received no response. First sent : XX/XX/XXXX, Second copy : XX/XX/XXXX I am asking that my payment history be reviewed to more accurately account for my payment history in consideration of the eligible payments for the PSLF program. I do not believe I am being credited for the appropriate number of eligible payments. My online account says 62 eligible payments. Please consider : My loans originated between XX/XX/XXXX and XX/XX/XXXX. I consolidated with XXXX XXXX at some point. I began working for a XXXX XXXX in FL in XX/XX/XXXX. I am still employed there and have been consecutively since XX/XX/XXXX. This employment history has already been certified as acceptable for the PSLF program. I have been making payments since that time. I dont believe I have missed any payments or had any late payments. In XX/XX/XXXX, at the time of the passing of the PSLF, I called to ask if I needed to do anything differently. I was told that XXXX XXXX is a XXXX XXXX XXXX provider, so to keep making my on-time payments and watch for more information to be released on eligibility. I remained with my public service employer and continued to make payments under IBR. In XX/XX/XXXX, I called again and was told I needed to consolidate again with XXXX XXXX. I did this immediately. I remained with my public service employer and continued to make payments under IBR. I do not think I am being given credit for all the payments I have made since XX/XX/XXXX, despite being employed by a public service institution during this entire time. I would appreciate a review of my payment history. I have do have a lengthy digital file that details the loan history that I downloaded from XXXX XXXX last year. I would be happy to send it if needed. If I need to obtain a history of the XXXX XXXX payments, I would be happy to do that, please let me know. I am wondering if the prior payments ( Prior to XX/XX/XXXX ) were perhaps overlooked on accident? I feel I have been making a good faith effort to comply with the requirements as they have been made public and available. Please let me know if I can provide any additional information. | ||||||
| 09/05/2017 | Yes |
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| UDAAP VIOLATION : Letter requesting copy of XXXX certificate for co-signer and inability/unwillingness to inform me of how this would affect me as primary borrower and my rights ; failure to disclose that the XXXX certificate would then be turned over to XXXX XXXX XXXX, a law firm for Navient to file a claim against the co-signer 's estate and lumpsum payment demand from me and/or " determination if I could still afford the loans '' ; and failure to inform me of an administrative forbearance being placed on my account which would increase my monthly principal and interest payments. I received a letter from Navient dated XX/XX/XXXX stating, " In order to ensure the appropriate servicing of the loan and to determine if any parties to the loan may be released, we require... copy of the XXXX certificate. '' Upon calling customer service on XX/XX/XXXX, I spoke to XXXX and then her supervisor XXXX requesting information on how this information would be used and how this would affect me and my rights ; my concern being that this could be an attempt to accelerate my payments not " release '' parties to the loan. After all, my co-signer, as they are aware, XXXX and I 'd imagine that is the final release. Both were initially unwilling to provide this information, stating that it would be turned over to an " associate '' and I would be contacted by the Advocate Department who would then work with me, but that they could n't tell me anything because the " associate '' is not Navient. I repeatedly requested to speak with the associate third party so I can determine how this information would be used and how it will affect me as a borrower. Navient repeatedly stated that they could not provide me with the associate third party 's info. I set forth that basically they were asking me to provide private information that would then be passed through them and turned over to a 3rd party who would then use this information in a way that could and most likely would negatively impact me and have possible severe financial burden, which XXXX the supervisor essentially stated that the associate would see if I could still " afford the loan '' and either redetermine my payment or " negotiate '' a lump sum payment and file a claim against the estate. I informed her that their is no estate. Navient was obviously were informed of the co-signer 's passing probably by SS XXXX rolls and that he XXXX in XX/XX/XXXX and I have been making monthly on-time principal and interest payments for at least 24 months so obviously, I can " afford '' to pay the loan. Also, I questioned who the associate was, is it a collection agency? No, XXXX informed me it was an ATTORNEY FIRM. Nowhere in the letter was I informed that the letter is essentially an attempt to obtain information for Navient 's contracted legal firm to attempt to change my current payment and terms by possibly trying to obtain a lumpsum payment against me or re-determine my credit eligibility to again change the terms of my payment, nor was I informed that the information would also be used to file a claim against the co-signer 's estate ( which I already informed them that he has no estate ). My main complaints are as follows : - Navient 's failure to inform me of the true nature of their inquiry is an unfair and deceptive practice. - Navient 's failure to provide upfront disclosure that the information would be turned over to a law firm is an unfair and deceptive practice. - Navient 's failure to provide me with the contact information for XXXX XXXX XXXX so I can find out directly how this could affect my rights is unfair and deceptive. - Navient 's failure to inform me in writing of the administrative forbearance is unfair and deceptive. Because interest and principal continue to accumulate under forbearance, my future payment amounts would be increased. Navient was initially confused as to what I meant by this, but I explained that they put me on forbearance not deferment, so the interest was compounding. I had to manually have the customer service process the amount that should have been due because Navient stated they could not lift the administrative forbearance. Therefore, to avoid principal & interest compounding, I made a payment without an explanation of charges and the amount was higher than previous months. The failure of Navient to inform me of the nature of their demand and continued failure to inform me of how providing the information will affect me are unfair and deceptive. Apparently, Navient will not provide me information as to the true nature of their inquiry that I may rely on until I send in the XXXX certificate and at that time it will be turned over to their attorneys. How is that legal? | ||||||
| 04/19/2018 | Yes |
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| Hello, Once again I am sending another complaint against Navient as far as their ridiculous monthly payment and their broken promises as far as repayment options. I attached as much information below to see if you can look into this matter ; If you looked at the previous complaints, it will help fill in the blanks to my issues and concerns. I had recently called you not too long ago to look into a case in which was said it was duplicate ; after helpful agent reviewed and saw that my recent complaint was not a duplicate due that I had added more details on my complaint against Navient ; Navient continues to send monthly payments in 4 different loans with amounts starting from {$200.00} and up to almost {$1300.00} a month. I had called them on number of occasions to resolve this matter and all they have is excuses and repayment options in which I had already tried, no success, and they lied - instead of lowering the payments, they raised the interest rates and within 3 months attempt to raise the payment higher as soon as one agree to the terms. I got fed up with their lies, no one to turn to for help only from the Pennsylvania Attorney General in which they filed a huge Lawsuit against Navient, also wrote to Congress and to the White House - no response from them. Navient has cheated my mother on her co-signing payments in which they told her that she only had 2 loans under her name in which I finished paying one of the private loans due that they XXXX up the accounts ; instead of me paying for my private loans - I was paying the co-signers, brought this to Navient attention and they said that they would fix it but more lies and lack of support from their dept. My mother continues to pay for the other loan but Navient has added more to her in which they lied to her on the phone 2 times that there would be no more loans for her to pay once she finishes paying the final one she is currently paying as much as they also lied to her from making payment arrangements to lower her payments 4 times, every time it got higher and higher. I at this point is unable to continue paying my loans due that I am on a low-minimum wage job just recent and was out of work for almost a year due that employment is hard to come by here in Canada. I do not qualify for government assistance, unemployment, or welfare here due that I am only a permanent resident. My wife can not help me due that her monthly gross income is less than {$1000.00} a month, we can barely make ends meet especially our rent in which we will be homeless by end of XXXX 2018 ; I had made many attempts to find help for many years and all I gotten were run-arounds. I have proof that I and my mother in XXXX are being cheated by Navient on how they scam and deceive consumers on loans and repayment options that does not work, in fact, that is one of the reasons why Navient is being sued for taking advantage of borrowers like myself and many others who are struggling and frustrated on what Navient is doing. I never got a feedback or response from Navient since day one of my complaint against them during and after I attended XXXX XXXX XXXX when they were located in XXXX, Pa. before moving to XXXX, Pa. / I had argued with the school before graduating due to the lack of education, had me sign papers that they would credit or deduct a percentage of my loans during the quarter semester but that was a lie, found out later that they had me sign for a credit loan in which I find that illegal to deceive students and promising them that if grades were at A or B level that we would be credited and all we had to do was sign. Further more I was told that if I continue to attend that they would promise me a job placement that never happened, that my age would not affect my qualifications to go into law enforcement in which I questioned them with concern, they also lied. I had already sent many complaints against them, I have emails proofing on my situation against the school, Navient ( The number of times I sent my complaints and concerns to them - By Letter, Fax, as well. ) I have no way to copy and paste All of my proof and vidal information to help you look into deeply on my serious complaints against Navient and if you should need the information, please feel free to email me or send to my mothers address in Philadelphia. I also had sent many forms for Loan Forgiveness and filled out a form to release my mother from co-signer ; I was simply ignored from Navient as well gotten run-arounds. I am hoping that you can help me and see if there's a case I can file against Navient on the number of times I had filed already from a number of Depts. Ty for your time and patience and looking forward to hear from you soon. | ||||||
| 07/20/2021 | Yes |
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| Due to a misunderstanding regarding the CARES Act, I was unaware that my federal student loans were not included and therefore did not make payments on them from XX/XX/2020-XX/XX/2020. On the last day of each of these months, my student loan serviced, Navient, submitted inaccurate/incomplete information to the CRAs by continuing to report each of my four loans as current and with no past due balance indicated although they were actually 30 delinquent in XX/XX/2020 and 60 days delinquent in XX/XX/2020. This inaccurate reporting mislead me to believe that my loan payments were indeed suspended as per the CARES Act. As a result, I continued to skip my monthly payments until receiving a notification in XX/XX/2020 from the CRAs indicating that each of my four Navient accounts were being reported as being at least 90 days delinquent. I immediately contacted Navient and submitted complete payment including interest and late fees. I also requested that the negative reporting on these accounts be removed due to Navients previous failure to comply with the FCRA and their obligation to report accurate, up to date, and complete information ( including delinquent account statuses ) each time information is furnished to a CRAs. I was informed by Navient that my request was denied due to the FCRA did not allow them to make such an adjustment because the accounts were indeed 90 days delinquent. I explained to multiple representatives that Navients direct violation and failure to comply with the provisions of the FCRA in the preceding months were unlaw and misleading to me as a consumer and that had Navient complied with their credit reporting obligations, I could have taken care of the situation in XX/XX/2020 when the loans were only 30 days delinquent. Navients intentional withholding/misreporting of the status of each of my accounts caused a much more significant and unnecessary impact on my credit profile. Navient dismissed my inquiries regarding the inaccurate reportings prior to XX/XX/2020 and informed me that Navients policy is to not report delinquencies until 90 days. I requested a copy of this policy ( as The Furnishers Rule requires that written policies regarding credit reporting practices be maintained. ) I was told that a copy was not available online and that I would receive a written copy by mail, which I never did. I did, however, later receive and email instructing me to refer to the Department of Educations Common Manual as Navients reporting practices align with the referenced publication. Upon referencing the Common Manual, I discovered the following : *The guidelines published are merely recommendations by the Department of Education , and not a written policy maintained by Navient as I had requested. *The manual clearly states that information reported by lenders, including repayment statuses of loans, is NOT to affect the provisions of the FCRA. *Lenders are only required to provide information to the CRAs quarterly and are ENCOURAGED to wait until a borrower is at least 60 days delinquent before reporting the delinquency. Therefore, Navient is not required to provide monthly reportings to the CRAs as they do, but they ARE still obligated to comply with the provisions of the FCRA when they do provide information to the CRAs. Navient is also not REQUIRED to wait until loans are at least 60days before disclosing the delinquent status of a loan as they informed me that they were. If Navient wished to wait until my accounts were at least 60 days delinquent as recommended by the Department of Education, then they should not have continued to submit monthly reportings to the CRAs regarding my accounts. Instead, they should have chosen to not provide reportings until XX/XX/2020. Once again, the fraudulent reportings made in XX/XX/2020 and XX/XX/2020 caused unnecessary confusion as well as unfair and significant damage to my credit profile. As you are aware, this damage will affect my credit worthiness to lenders for the next 7 years and can cause me extreme financial hardship. I have submitted multiple complaints to Navient as well as disputes to the CRAs regarding this matter, but they have all fallen upon deaf ears and the negative reportings remain in place. I beg of your assistance with resolving this matter. Lenders such as Navient need to recognize the importance of their responsibilities to provide accurate information to CRAs ( even if the information is negative ) and to maintain clear reporting policies/practices to prevent future unnecessary harm to the credit profiles of consumers such as myself. Thank you for your time and consideration in this matter and I look forward to hearing from you soon! | ||||||
| 11/16/2019 | Yes |
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| I am writing to complain that Navient took more money from my checking account than they said they would, resulting in my checking account being overdrawn. On XX/XX/2019, I received an email from Navient informing me that my Rate Reduction Program was ending and I needed to file another financial statement. On XX/XX/2019, I filed the financial statement from the website referred to in Navients email. I called Navient, and they said they had received it, but that I could not re-enroll in the Rate Reduction Program until after XX/XX/XXXX. They told me to call them back after XX/XX/XXXX and that my financial information would already be on file. On XX/XX/2019, I received four emails from XXXX informing me that on XX/XX/2019, they would take a total of {$230.00} from my checking account. On XX/XX/2019, I received an email from XXXX XXXX - Navient XXXX informing me that I needed to contact Navient to re-enroll in the Rate Reduction Program. On XX/XX/2019, I received an email from XXXX informing me that on XX/XX/2019, they would deduct a total of {$230.00} from my checking account. This email was similar to emails I received each month from Navient informing me they would deduct a total of {$230.00} from my checking account. On XX/XX/2019, I contacted Navient and spoke to a young lady that told me that my monthly payment would increase to {$280.00}. I told her I could not afford that much of an increase and asked her to lower it. She told me that she was doing me a favor and I should be grateful to Navient for not charging the full {$460.00}. I started crying and ended the call. About 10 minutes later, three police men knocked on my door and told me they had been contacted by Navient. They said that someone from Navient told them that I was threatening to do harm to myself. This was not at all true. I told them that I never said that, that I was simply crying and they left my house. I was very frightened and embarrassed that the policemen came to my house, and I was in awe that someone in another state could send policemen to my house without proof of any wrongdoing. On XX/XX/2019, I contacted Navient and spoke to a young man ( XXXX ) who told me that I was enrolled in a program in which I had to pay {$460.00} a month for six months, then pay a reduced rate for another six months. I told him I had not enrolled in this program. He told me that because I had already paid {$460.00}, he could not take me out of the program. I told him that I was not enrolled in the program. I told him that I had not paid {$460.00}. I told him that I had 2 emails from Navient saying that they would take {$230.00} from my account on XX/XX/2019. I asked him why Navient did not take the {$230.00} from my account on XX/XX/2019, as the email I received indicated. He told me that he did not know anything about the emails, and that because I had already paid {$460.00} in XXXX, I would have to pay {$460.00} for the next six months. At this point I asked to speak to his supervisor. After a long conversation with his supervisor, she told me that I had already paid {$460.00}, but that she would enroll me in the Rate Reduction Program in which I would start paying {$260.00} per month starting XX/XX/2019. I told her I had not paid the {$460.00}. I told her I did not have {$460.00} in my checking account. She told me not to worry about it, and that I would start paying {$260.00} per month starting XX/XX/2019. On XX/XX/2019, Navient withdrew {$460.00} from my checking account at XXXX XXXX, causing my checking account to be overdrawn and preventing me from paying other bills. I was also charged a fee of {$34.00} for Insufficient Funds leaving me with a balance of XXXX. On XX/XX/2019, I spoke with XXXX XXXX at Navient who told me that the money should not have been deducted from my account. I requested that Navient cancel all future deductions from my account because I did not want this mistake to happen again. XXXX told me that I could not do cancel all future deductions because it would take me out of the Rate Reduction Program if I did. XXXX told me that Navient was going to refund the money, but it might take a while depending on the actions of my bank. On XX/XX/2019, I spoke with a representative of my bank who told me that as long as I allowed Navient to take money out of my account, they could take as much as they wanted. He said that they would not prevent Navient from refunding the check, and that Navient had not contacted them to correct the mistake. He suggested that I contact the XXXX XXXX XXXX. Navient has not refunded any of the money, and my checks are being returned. Because of Navient I am falling further behind in all of my debts. | ||||||
| 08/11/2017 | Yes |
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| To Whom it May Concern, I 'd first like to thank you for taking the time to read my complaint and try to get an understanding of where I 'm coming from and the frustration and stress I have been under for the past 5 years. I originally took out student loans while I attended XXXX XXXX. I had two loans and here was the following information for each : 1. Name : XX/XX/XXXX Consolidated-Subsidized Loan for {$37000.00} Current Balance : {$44000.00} 2. Name : XX/XX/XXXX Consolidated-Unsubsidized Loan for {$26000.00} Current Balance : {$32000.00} Total Original Balance : {$64000.00} Total Current Balance : {$76000.00} I would like to file a formal complain for several reasons : 1. Mislead and Blindsided : Firstly, the added interest is absolutely absurd. Looking back, I feel that I was completely blind-sided and misled into taking forbearances instead of deferments or into income-based payment plans. Who in their right mind would choose a forbearance to add an absurd amount of interest to their loan when they could 've taken a free deferment or been placed in an income-based repayment plan where interest would not continue to accumulate at a ridiculous rate? Again, the lack of knowledge their representatives showed was clearly made out to deceive borrowers and that is flat out wrong and immoral. This additional interest is single-handedly handcuffing me from my pursuit of happiness and fulfilling the American dream of saving for retirement, purchasing a home and living comfortably. I strongly feel that Navient has preyed upon young and naive college students and I am confident and hopeful that the lawsuit they are currently in will prove my points. 2. Unneeded Stress and XXXX : As if graduating from college and struggling to make ends meet as a XXXX XXXX and XXXX XXXX was n't enough, on top of the real life struggles I faced 7 days a week, I had to deal with being misled and deceived ultimately leading me to a bill that is {$15000.00} higher than it should be and unneeded stress in my life. As mentioned, I feel that this deceit has caused me a tremendous amount of stress and XXXX in present day and planning for the future on top of an extra {$12000.00} that has been greedily taken from me. 3. Unwillingness to Accommodate : Over the past 5 years, I have had several back and forth conversations with Navient and their representatives to try and find a reasonable accommodation and help. Not only were they not accommodating in clearly providing all necessary options and helpful information, I felt railroaded and misled into making horrible choices for their greedy benefit. I recently tried an income-based repayment plan in which I was paying {$210.00} per month. In XX/XX/XXXX, this number sky-rocketed to {$840.00}. How in the world do they expect somebody living on a salary of {$65000.00} per year to make these payments on top of other bills and cost of living? I politely asked for a refund and to discuss other options to make a more reasonable payment, to which they obliged. I did receive a refund for one month 's payment and was told that I would be given a lower monthly payment. Last month, I received a bill for the same amount of {$840.00}. I called them today XXXX and explained all of this information and lodged a formal complain for a. having to pay an asinine amount of interest due to being misled and b. having an unreasonable monthly payment. The representative while polite and friendly, mentioned that Navient is in a $ XXXX lawsuit and transferred me to the Department of Education loan service who stated that I needed to speak with Navient and there was nothing they could do to assist. I will no longer waste my time and efforts on dealing with their unhelpful staff out for their greedy benefit and refuse to make another student loan payment until a reasonable outcome is reached. At this point I feel lost, exploited and stressed for my present well-being and future financial planning. I truly feel that Navient has been exploiting uninformed college students and graduates for their benefit for far too long and it goes against everything our country stands for. I hope that others in my situation continue to come forward to share their stories so that we can find a reasonable solution to this stressful situation and put an end to Navient 's greed. I would be more than happy to discuss in further detail and provide any other documentation that would help with my claim. Thanks again so much for listening to my, and other 's ' stories about the stress and XXXX we have had over our heads. I appreciate all of your efforts and would be more than happy to assist with getting myself and others a fair result. Sincerely, XXXX XXXX | ||||||
| 01/18/2018 | Yes |
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| In XX/XX/XXXXI received offers for Tuition Answer loans from XXXX XXXX, ppaid to borrower ( myself ) as a single parent to assist the needs for my son beginning to attend XXXX. These funds were used to purchase a laptop, help buy and maintain an older car, transportation across state, pproperty insurance and various needs that happen. He worked hard and attended XX/XX/XXXX-XX/XX/XXXX, didnt complete a degree program and unsure if in the right direction. He stoppped attending and returned home in XX/XX/XXXX, strived to find employment and regroup since. After a 6 months grace period XX/XX/XXXX-XX/XX/XXXX I received a payment booklet that had payment " coupons '' for $ 300-400 a month. I was shocked and regrettably dont have this booklet anymore. I called and was told this was a 4 year payment plan. I stated I only borrowed what I felt I could afford to pay back averaging $ 50-75.00 a month basing on a federal loan review over a 10 year payment plan.and not a high income. At the time i worked basically part time with the public schools. My principal has almost doubled since then, and am now QUESTIONING that my son is/was considered a " co-signor ''. In no way would I have had him a cosignor-an unemployed full time student striving to create a better way, a career, and some possibilities. He was receiving Stafford Loans, had a couple small scholarships to cover costs of attending and is striving to repay. I BORROWED TO ASSIST HIM as a PARENT. I included his name as a student on the loan applications as the attending student thinking this was required, not as a co signor or borrower responsible for loans I was asking for to assist his education, and that I had SOME management over as an XXXX year old stepping into a university environment..and all that can happen on campuses ( sadly in many ways, for what is required of somewhat vulnerable young people, a big university, studies, time and money management ) He is striving to pay on Stafford loans and debts, and I do not want him included in this repayment. I am currently maintaining a 37-40 hour employment, not a high paying position and have had housing cost double when the building was sold and upgraded, am self supporting and dont have extended family sources-nor does my son. This is an expensive area-XXXX- and moving isnt an easy option either. I have been offered to look at a lump sum settlement (XX/XX/XXXX) possible reduction or forgiveness, have had the multiple robo calls, have had forbearances, and a lower interst program for 1 year ( XX/XX/XXXX-XX/XX/XXXX est ) I made a call on XX/XX/XXXX and was asked " what could I pay-attempting to avoid default '' - .I replied about {$50.00}. They said by XXXX XXXX tomorrow. I said I could n't do anything until a payday. and what would {$50.00} do or be applied toward? I have since again contacted onXX/XX/XXXX and paid {$38.00}. I was offered a possible payment plan for 1 year of 1 % interest, {$110.00} per month and that the payments would not apply to principal until 7-8 months into the program. Right now, in all honesty this is what I have every 2 weeks for food, some gas. I am also paying on some small accounts, and see progress over time and to be paid for will improve my situation at some point over the year ahead. I contacted a legal office to find some support, sent documents I have and this didnt resolve anything at this time. I have searched for other possible solutions and feel in circles right now, along with the many lawsuits taking place, so many questions and vague solutions. I am frustrated and feel defeated, and that the amount will continue to grow no matter what I do. This isnt a huge loan total with XXXX XXXXNavient, though it is doubling. One inquiry states 2 loans have been paid 60 %, 3 loans have been paid 30 %. The beginning principal was {$7800.00}. I strive to live within my means- which is not much. I DO NOT WANT my son to be involved in this and feel this was misinformed and somewhat deceptive ( attending STUDENT, NOT a CO SIGNOR ), as well as the huge payment question referred to above, the forbearances, the same questions of what is going where and why does the amount just grow. I have copies of dates and loans, have made payments and have had some forbearance periods, normally {$120.00} a month might be manageable yet to never see progress is very upsetting and feel the same as many other borrowers. I have some of the most recent letters to settle or lower or possible forgiveness. So much doesnt make sense and i question accounting and the same questions of other borrowers with private loans. I wish I had never borrowed, somewhat uninformed on the results. Thank you. | ||||||
| 04/18/2018 | Yes |
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| i am the cosigner on my son 's private XXXX student loans that began in XX/XX/XXXX when he was attending XXXX school. There are four student loans that were initially serviced by XXXX itself. Then XXXX contracted with XXXX XXXX XXXX ( XXXX ) and they became the services of the loans. This went on for a few years as I recall when we were notified earlier this year in about XX/XX/XXXX of this year that the loans had been sold to Navient and we would receive further information as the process was underway. At the time that the loans had been sold to Navient, our payment date had always been the XX/XX/XXXX.Since possible dates for payment ranged from the XX/XX/XXXX to XX/XX/XXXX, I believed that logically our date would be XX/XX/XXXX since our payment date had been XX/XX/XXXX. When we received a notice from XXXX that Navient may be changing our payment date to XX/XX/XXXX, we were informed that we could set our own date on the XXXX website.. Believing that up to the change in servicing we could change the payment date on .XXXX website I tried and was locked out. I called XXXX about it and was told that they could no longer do that as the Navient process had already begun- however our loan had not yet been batched and sent to Naveint at that time. I called Navient and Navient 's rep said they couldn't help regarding my request for XX/XX/XXXX as a payment date as they didn't have the files yet. So I waited and called again in early XX/XX/XXXX before XX/XX/XXXX when I learned that the first payment would be due on XX/XX/XXXX. I was confused about the due dates so close together. and was told by a Naveint rep that he would input the request for the date to be changed to XX/XX/XXXX and I should not worry about paying on XX/XX/XXXX but that I should make the payment in XX/XX/XXXX by XX/XX/XXXX. He said that the request should be granted and I would receive a letter from Navient. In XX/XX/XXXX I began receiving phone calls with no message from a Tennessee number beginning at XXXX XXXX. I finally returned the call and learned that it was Navient wondering where the XX/XX/XXXX payment was? I asked what happened to my request for change of the date of payment and the rep said initially that it had been processed, and would probably not take effect until XX/XX/XXXX. She then left and came back and said that the change had been requested out of their cycle and couldn't be processed and then I was told by the same supervisor that she would input the request today and expedite and that it really hadn't been in the system at all as there was no file to attach the request to when I had called in XX/XX/XXXX. She stated that now it wouldn't be possible to change the date until XX/XX/XXXX. I called again on XX/XX/XXXX after receiving another call at XXXX XXXX from an unknown caller from Tennessee with no message left ( now I knew that it was Navient ) thinking that it was about the change in payment date only to learn hat nothing had changed and they were still wondering where the XX/XX/XXXX payment was and that even if my request for a change in payment date was expedited that it would not be effective until XX/XX/XXXX .... That a company would take over ownership and servicing of a huge amount of student loans without preparing the proper lT program or training their personnel so that the files could be transferred seamlessly - to take on that kind of financial responsibility in such a cavalier manner - is reckless and negligent and surely a breach of contract to say the least.. XXXX and Navient gave incomplete and inaccurate information to the borrowers. The borrowers are third party beneficiaries of the contract between XXXX and Navient for the sale/servicing of the loans. While Navient has stated that they are honoring the agreement that we had for reduced interest rates based on our income situation, when that period is over what then? Navient says they have no such program. The long term effects of change in ownership of these loans was never explained to us.No copy of the agreement between XXXX and Navient has been made available to the borrowers so that they can be aware of what Naveint has agreed to do regarding these loans. It is all hearsay. It is needs to be published for all the borrowers and co signers to see so that they can demand their rights under the new contract. Because late payments are reported to the credit reporting agencies and affect our credit scores, this payment date issue is a big deal. Yet Navient has taken setting these dates like a XXXX shoot. Luck of the draw? Why XX/XX/XXXX?. Why not set it on XX/XX/XXXX from XX/XX/XXXX? Wasn't that the more logical date from the beginning? | ||||||
| 05/09/2020 | Yes |
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| Navient has been the secondary loan servicer for 8 years. Only this year, XXXX, did I discover the misdeeds, mishandling, lies, inaccuracies, that they have done. I was trying to obtain assistance to update my vehicle for XXXX enhancements. I was denied for credit and decided to pull my credit report. I saw there were 5 missed payments on 6 loans. I contacted Navient and requested proof and validation for my loans as I had a loan from an institution I never attended. They never assisted. I asked for documents bearing my signature, they would not reply to request. Upon checking my report I saw why my assistance was denied. I contacted the servicer and asked them to read the notes based on my calls. They stated I called around XXXX about a bill and set up to do a program. They stated I returned the paperwork but that documents were missing, they couldn't verify what document. After speaking to a supervisor they stated I filled out the paperwork but didn't elect a plan. I said how is that possible when you call you select the plan. Then without any letters or calls to me they then placed over 5 missed payments for 6 loans on my credit report in XXXX. I was then told by another rep that isn't the proper steps to handle that. I asked them to send me the application where they claimed I didn't check a box but they have not responded. They never contacted me about the plan or them damaging my credit. They never sent one notice or made one call. The next correspondence was a call from me after I received a bill because I thought my plan had expired. Per their notations I asked to renew my plan and they did. They never once mentioned anything about my previous plan, any calls, or letters they sent stating anything was incomplete or my plan was never processed. They instead ruined my credit. On top of that I learned they are supposed to send you 90/60/30 day expiration letters for plans. In 8 years I have never received one, only bills and I thought that was the way they communicated that the plan was expiring. They told me no. I have my records from beyond 8 years when Sallie Mae serviced my loans. My interest rate has skyrocketed after questioning the representative I learned that they start the clock for programs as soon as you elect it. After 30 days even if it takes them longer than 30 days the plan defaults, you start over and they then compound your interest. Since they have never sent out 90/60/30 expiration letters, by the time they send the bill it's a month before the payment is due so for 8 years they have been doing this knowing that the process for being approved for a plan can take over 30 days thus I will default the previous plan which will allow then to compound the interest then approve me for a new plan and do it all over again. One of my loans is higher by {$3000.00} more than the original amount because of this, yet with Sallie Mae they never engaged in fraudulent tendencies and compounded interest. I complained even for my plan in XXXX that they sent no letters, they have no proof of letters sent to their portal. I only learned this year the way they SHOULD conduct loans and they have not followed that protocol. They have addressed the fraudulent loans by erasing the name of the institution but keeping the loan as valid. These people have ruined my credit, affected my health, they have lied, they have not communicated at all and blamed the reason they did not contact me in XXXX about the supposed lack of a checked box due to not having my correct number or address when I know that was a lie and they were able to send a bill 6 months later and I immediately called. If you review their notes it's always me calling after receiving a bill, not after a notice or an informative letter on the status on any loans. I have gone through the credit reporting agencies, I have even reported that their communication was null on their end and they have not provided any documents. I would love them to produce the original, unaltered documents showing I filled out everything but didn't elect a plan that I called in for. I can not express all that I have learned and how bad and damaging it has been to me, my life, and my credit. I am glad I've learned all that I have but at the cost of me not being approved for a XXXX upgrade. I want proof of validity of my loans and not by erasing institutions. Not by lying about the amount disbursed when a different amount is printed right above it on the same letter. Every student loan website has incomplete information and doesn't position me to sue or provide exact dates or amounts because they themselves don't have it or it's inconsistent. | ||||||
| 11/20/2018 | Yes |
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| After graduation, I struggled to re-pay my loans. I had private and public loans. Both were serviced by Navient. This is my third time submitting this complaint. XXXX XXXX is the Borrower at issue. XXXX XXXX is XXXX 's attorney and wife and authorized user. There are MULTIPLE issues with Navient. Navient 's response that " XXXX XXXX does not have authorization to deal with her mother, XXXX XXXX XXXX loans '' is the same XXXX XXXX that Navient has been doing to XXXX XXXX for the past 10 years. Recently, XXXX XXXX was added as an authorized user pursuant to Navient 's response to my second complaint. The problems are 1 ) incorrect and inaccurate information from Navient to its borrower XXXX XXXX and 2 ) improper credit reporting, described below Statement from Borrower, XXXX XXXX : I receieved notices from the Servicer, Navient, about my loans. I contacted Navient and made payments to make sure the loans did not default. Multiple people at Navient told me I was all set. '' Come to find out, my private loans were back in re-payment, but my federal loans were at the brink of default. Further, my public loans had been put into repayment plans that I did not authorize. Navient never told me this and i operated on the assumption that my loans were in repayment. Recently, in spring XXXX, while trying to procure a mortgage, I learned that my federal loans had all defaulted. Navient serviced them but did not help me when I was trying to put all loans into repayment. Most notably, the default date varied between the federal loans. This is impossible because I always paid or failed to pay my loans together. I never identified loans to pay while leaving some unpaid. The default date should all be the same. Upon learning this, I was able to pay the entire balance of loans I took out, and have the collection fees and accured interst waived. XX/XX/XXXX I fully paid those formerly defaulted federal loans. Now, my issues are as follows : 1. ) my credit score shows multiple default dates, for various federal loans, this is inaccurate, all were defaulted at once. Discrepancies include : cancel date XX/XX/XXXX ; default date XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; default date XX/XX/XXXX 2. ) my credit score shows that the loans were paid not in full for less than amount owed, but XXXX states those loans were paid in full XX/XX/XXXX 3. ) my credit scores shows some loans still in collections although NONE are in collections. They were all paid in full XX/XX/XXXX according to NLDS.ED 4. ) if navient had not advised me my loans were all set i never would have defaulted. Because, i would have defaulted on ALL loans or NO loans. 5. ) some servicers listed on my credit report i called while trying to figure out what happened with my loans and they told me they never serviced my loans. I was a full time student and finished my degree in XX/XX/XXXX. I never asked for loans to be put in forebearance. I never asked for loans to be put into any repayment plan other than standard. I notice my XXXX system says loans were in graduated repayment I never asked for or authorized or approved or even understood that loans were anything but standard. I communicated with Navient and Navient is the company that ultimately told me my loans were all set and back in repayment when they were about to and actually did default. Apparently the private arm of loan servicing did not communicate with the public arm of loan servicing even though I communicated with one company. I know this because my private loans were " all set '' and are still in repayment. This matters, even though I managed to pay my federal loans in full XX/XX/XXXX, because it affects when my credit score will normalize after finally paying the federal debt ( which unbeknownst to me was defaulted ) and allow me to get a mortgage. Mortgage rates are on the rise so the sooner the resolution the better. I would like the default date to be set to the date the default actually occured on all federal loans XX/XX/XXXX or earlier. ( Based on the fact i never asked for any modified repayment plan. ) I would like the repayment plans my loans were put into to be examined, because it was not authorized or requested anything but standard repayment and if the default was actually earlier than XX/XX/XXXX i would like the records to be corrected to the correct date. I would like the status showing collections portion of my credit score related to student debt to be removed. All have been paid, and private loans are in repayment, there are none in collections. I would like the credit score to reflect loans were paid in full, like my education account. | ||||||
| 07/05/2017 | Yes |
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| This is a complaint against Navient, formerly XXXX XXXX, servicer of my thus-far 17-year student loan. The details which follow provide evidence of the misleading practices outlined by the CFPB in a filed case against Navient Corporation. On XX/XX/XXXX my state university student loan was disbursed with an original principal documented as {$22000.00} ( {$19000.00} + {$2800.00} ). Throughout the next decade, due to financial hardships and timing in getting my career path established, re-payments to XXXX XXXX could not be consistently made. After speaking to a representative, it was said that forbearance would be my option during these initial years of {$0.00} payments, late fees, capitalized interest charges. I was not made aware of any other alternatives such as the income-driven repayment plans. In addition, my loans would be consolidated in such a way to be interest-only at 7.375 %. Starting in XXXX, my steady income allowed me to make consistent monthly payments. Years later to my surprise, after reviewing my XXXX XXXX/Navient statements, I saw that my original principal amount of {$22000.00} had increased rather than decreased. I had made no dent to the principal amount borrowed. Today, XX/XX/XXXX, the unpaid principal balance is {$25000.00} and the unpaid interest is {$380.00}. My total Life of Loan payment export show repayments in the sum of {$25000.00}. If I were to pay this off today ( {$25.00}, XXXX ), the total out of my pocket to XXXX XXXX/Navient would be {$51000.00}. Had I been made aware of other repayment options ( i.e. more affordable income-driven repayment plans with its federal government interest subsidy ) vs temporary forbearance and interest-only loans at 7.375 %, this loan may well have been paid off by now or at least be that much closer to potentially qualifying for forgiveness. In addition to being steered toward the forbearance and interest only options, Navient processed extra payments in a way to benefit their interest gains instead of my principal loan. On XX/XX/XXXX, I had requested an amount of {$3000.00} to pay of my 2nd consolidated loan. Navient misallocated the payment in such a way that left the 2nd loan open to accrue interest until their set next payment due date of XX/XX/XXXX. Its current status now is No Payment Due. Along with this improper processing, Navient automatically decreased my minimum monthly due from {$300.00} to $ XXXXenabling them to continue to maximize their interest earnings through the full pay-off date of XX/XX/XXXX. On aXX/XX/XXXX, I noted my current loan # 2 balance to be {$2000.00} ( principal {$1800.00} + {$240.00} interest ). Today, XX/XX/XXXX, the unpaid balance of this 2nd loan has increased to {$2100.00} ( principal {$1800.00} + {$280.00} interest ). The original amount borrowed on this 2nd loan was {$2800.00}. On two other occasions, I had included additional amounts to cover subsequent months due to my being out of town. XX/XX/XXXX( two months payments ) and XX/XX/XXXX( 4 months payments ) -- I recall issues of having to contact XXXX XXXX to tell them which months to apply the paid-ahead amounts ( vs charging late fees for no payments received ). Both of these Navient-consolidated, interest only student loans are now causing issues with obtaining a mortgage. Our lender states that this student loan must be paid off in order to be approved for our budgeted neighborhood home near family. Even after paying the now-due {$25000.00} current balance off, it would leave us that much short on our down paymentcausing us to be required to pay mortgage insurance. In XXXX, I took steps to do something about my increasing principal balance. I tried to apply for student loan forgiveness. However, it wasnt made easy. I was somehow referred to a 3rd party who spoke as if they were contractors with the Department of Education. XXXX XXXX XXXX XXXX ( XXXX ) ended up charging me {$690.00}. It was mentioned that even though an increasing principal balance would remain on my record for the next few decades, the debt would be forgiven based on proven income limits year after year. After reading the fine print of their contract, and researching such forgiveness plan that would reset my repayment year to 0, I did cancel their service within the 3-day timeframe to do so. I also tried avenues of refinancinghowever, my understanding is that federal loans would lose their protections if refinanced to a private lender. Obtaining the CFPB 's advice on how to proceed, or being included in the case filed against Navient, would be beneficial in obtaining relief of my current student loan debt. | ||||||
| 06/25/2018 | Yes |
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| I have spent the last 2 or 3 years trying to get my loans together so I can stay to pay them off. In XX/XX/XXXX, for the umpteenth time, I called them regarding my income driven repayment plan. I spoke with several people and had to repeat my story several times as no one could take the time to read the notes. The man I spoke with around late XX/XX/XXXX asked me if I could afford a {$200.00} payment. I agreed as that was something I could afford. Due to personal reasons, not because I was buying XXXX on my credit cards, my loans ballooned. My paperwork came via email a few days later saying my new payment was going to {$33.00}. Given my personal situation, you could imagine how relieved I felt when I saw that amount. Well Friday, the day before my payment was due, I went into make a payment. You could imagine my shock when I saw a payment of {$1300.00}. That's a huge difference then {$33.00} or even the {$200.00} I thought would be my new payment. I sent an email and then called in to speak with a manager. The young lady told me that she could help me. We went back and forth for a few minutes when I realized she was not going to put through a manager. She told me that my payment was going around {$450.00}, after she got the first amount wrong. First she told me the amount was around {$360.00} then it jumped up {$450.00}. That's a good {$250.00} then what the person from XX/XX/XXXX told me. She did tell me to consolidate my loan and my interest would lowered and my payment would more reasonable and it would start the clock back. So I completed the paperwork on my account. Then she told me while I didn't qualify for a deferral or forbearance, she would put my accounts in a courtesy hold. I got a call from Navient today telling me that I was past due and I needed to get my payment in. So again, I called in and asked for a manager. The young lady on the phone gave me the same run around about the supervisor not being available. I asked several times and was put on hold, each time for several minutes. As I got more upset, she became belligerent. In fairness to her I was upset and lost my cool, so she was probably reacting. But instead of offering to help me she told me she was not going to help me and was going to transfer me to a collections person who would either defer me for a month or take my payment. I asked one more time for a manager and she finally put in touch with a supervisor. The supervisor echoed his employee, refused to check the notes and again quoted me the wrong amount. He told me that no letter, I received, no phone call that I had counted. He told me the only thing that counted was what he said and I needed to pay the {$360.00} to him immediately. He then told me me to pay it on their website. I told him, I didn't have the option, that amount was around {$1300.00}. He told me that I had late fees that would be due at the end of the year. I asked why I had late fees since I had been in good standing all this time. He couldn't answer it. Then he quoted me the wrong amount of my loans. I told him, that wasn't current and i could send him a screenshot of my Navient page. Finally he agreed to review my account and he realized that I was right. On the payments, and the total amount of the loan. He finally agreed to review the tapes as the previous two people did not leave any notes on my account on the amounts due. Why am I shocked about this? I'm not shocked. Even through the guy promised me that he would call me back and gave me his ID number, I doubt I am going to hear anything. I have asked this company for several years for help. I have gotten nothing. This isn't the first time I made arrangements and they fell through. The first go around, I had made arrangements with a staff member, only to be informed that I was given bad information. I realized that I'm the one who made a decision to take out loans for an education. There were things that came up that I did not foresee that caused the loan to go into forbearance. But a a consumer, attempting to pay back a debt, I'm entitled to know what I owe and if a company makes a payment plan with me, they should honor it. It should not feel like I'm hitting a brick wall while I'm attempting to honor my obligations. Student loans are the one debt that can not be discharged by bankruptcy. That is a mistake, and it puts vulnerable populations at risk as they have not recourse. Companies like Navient, know that and leverage it to their full advantage. You're in saying, I didn't have to take a loan but that knowledge shouldn't allow Navient personnel change the rules when they feel like. | ||||||
| 08/08/2018 | Yes |
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| I am submitting a new complaint in regard to Navients, first decision to not respond due to an unauthorized third party being involved in rectifying this matter. There are no unauthorized third parties in this new complaint. Please see my new personal statement below about the series of events that have led to this unfortunate complaint. I have several personal student loans that were initially dispersed through Sallie Mae but are now billed with Navient. I have made payments toward lowering my debt as income has allowed me for the past several years. As of XX/XX/XXXX, last year, I was laid off from my position as a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX in XXXX, Georgia. I have sought many jobs, unfortunately with no avail on any of them. My passion has always been to become a lawyer and I have been fortunate enough to secure a spot in an entering class this fall. However, in XX/XX/XXXX, after months of unemployment my finances finally began to thin out. I made the last payment I could afford with Navient and have not had many finances available to pay the minimum they were asking for. In XX/XX/XXXX and XX/XX/XXXX, I called and inquired about paying a lower payment until I could get back on my feet and was told, that wasn't possible as the amount I was paying was already the lowest they were willing to accommodate. Fast forward to XX/XX/XXXX, and I received a call from XXXX, who I have worked with several times before to rectify billing issues with Navient. I explained to her that I would be enrolling into law school in XX/XX/XXXX, at which time she informed me that I in fact had some in school deferment that could be used as long as I was enrolled full time. Furthermore, she explained that there was nothing that could be done until I could receive enrollment information from the school. At this time, I agreed that I would call her upon receiving that information. She agreed, and we ended the call. Now on XX/XX/XXXX at approximately XXXX XXXX I missed a called from someone only identified as XXXX. XXXX left a voicemail in which he stated that he " had an uncanny way of helping everyone '' and that it was imperative that he speak to me as soon as possible. I woke up from my nap and gave him a call back at ( XXXX ) XXXX on a recorded line, initially he seemed like a decent customer service representative, as I explained to him my circumstance and how the situation with the loan had gotten to this current point. He asked me If there was anyone who would be willing to help me and if anyone was helping with any other bills of mine. He went on to see if there was a consigner on my account, which there is not. When I stated no there wasn't anyone willing to help me, he then became confrontational. He obviously somehow has access to my credit report because he started talking about how I had excessive amounts of medical bills that were also unpaid. He went on to further state that he didn't see any car payments, so he assumed I didn't have a car note. He asked if I had a card with XXXX, which is my credit union and that the bill was {$15000.00} and stated that he noticed that it got paid on time every month. He went on to ask why was it that I could pay my credit card bill and not Navient. At this point of conversation, I felt harassed and violated. I should not have to deal with someone reprimanding me, making assumptions and accusations about my personal finances, if they are calling about a matter that has nothing to do with said finances. My liberties as a consumer were not upheld with Navient and I want action taken immediately. Someone calling from Navient for student loan billing, should NOT have access to my credit report for the purposes of harassing me about what I do and don't pay to other creditors. I feel that my rights as a consumer have been violated, whether I have an outstanding debt with this company or not. It is illegal for anyone to have reoccurring access to my credit, more so my credit profile without my permission. If it were up to me I would have my debt transferred to a different servicer or completely forgiven, as I do not feel secure in knowing Navient has access to my personal information for the purposes of harassment yet are able to mask it as debt collection. I would like the immediate termination of XXXX, whose alleged work ID is XXXX and his manager, XXXX XXXX ( XXXX ), who saw no problem with his employee 's behavior and was just as unprofessional on our follow up phone call. I would like a response from a board member of Navient after they review the call or else I will seek legal representation in remedying this matter. | ||||||
| 01/30/2019 | Yes |
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| In XX/XX/XXXX I requested information regarding an income based repayment plan with Navient in order to address my student loan balance which is currently a little over {$26000.00}. Prior to XX/XX/XXXX I had no idea an income based repayment plan was available to me as I was always " suggested '' to me by Navient that I choose forbearance. Forbearance has consistently been the option provided to me from Navient whether in email form OR during phone calls over the lifetime of my loans. At NO time prior to XX/XX/XXXX was any other payment option explained to me. I only learned about income based repayment plans via research, then looking at the Navient website. I applied for the income based plan in XX/XX/XXXX but was NEVER told to submit any documents at the time the initial phone call was made. After not hearing from Navient I called again and was told I needed to supply documents verifying my low income, which I did immediately. After supplying the required documents, I was never notified regarding any updates to my account and was forced to call Navient repeatedly in an attempt to get more information. The information I received during each call was inconsistent and different depending on the individual I spoke with. Or, I was told the documents were STILL under review, no decision had been made, and to call back again at a later time. Within the last month I called again ( and spoke with a male operator ) in order to provide Navient with updated information related to my income and to check the status of my account. This individual told me that the documentation I sent in originally during the fall was incorrect, and that this was why I had not been notified of any changes. Therefore nothing had been filed, updated nor any information provided to me via email or phone call. This indivudal was rude, impatient, short, and unhelpful. I hung up on this individual because he was so disrespectful and did not provide me with any new information other than telling me I needed to start the application process all over again. Had I not called, I would've assumed my application was still under review. Keep in mind I requested an income based repayment plan last fall in order to have a financial plan in place BEFORE my XX/XX/XXXX payment was due. Just prior to my request for an income based payment plan I went through bankruptcy ( in XX/XX/XXXX ) due to my divorce. After bankruptcy I continued to struggle financially as I tried to find employment, so I contacted Navient and was simply told to utilize forebearance. An income based plan was not given to me as an option and as a result, my most recent forbearance was placed on my credit report, right after bankruptcy, without any warning being provided to me that it would impact my credit. Had I known it would impact my credit I would've denied the forebearance option entirely. As of today, XX/XX/XXXX I called Navient again. I have a XX/XX/XXXX payment due of {$180.00} which I CAN NOT afford. Today I was informed by the operator I spoke with that she can not see why my application has NOT been processed, and also informed me that she can not see any reason why it would be denied. She then stated she is going to request to have my application expedited. I was told to contact Navient on XX/XX/XXXX, ONE DAY before my payment is due, in order to follow up on my application AGAIN. When I asked what would happen if this was not taken care of or approved before XX/XX/XXXX, I was told my account would be placed into " courtesy forebearance '' until my application could be reviewed. I immediately stated I did NOT want my loans placed into forebearance again, at which time I was informed this forebearance is DIFFERENT from regular forebearance. And that it will not be placed on my credit report. Once again, I am being told my application is under review. I have contacted Navient repeatedly since the fall of XXXX, in good faith, in an attempt to take care of my student loan debt. Each time my requests have been ignored, I've been given inaccurate information, or NOT provided with information or follow up regarding my complaints that would've helped me take care of my debt in a timely fashion. I am especially angry that I was told to choose forebearance rather than given ANY OTHER options related to repayment. I trusted Navient. I truly believe Navient willfully withheld information from me related to other payment options when they suggested I use forbearance repeatedly. I do have emails related to suggestions of forbearance and welcome anyone to listen to the phone calls related to my account questions and issues. | ||||||
| 01/16/2019 | Yes |
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| In regards to XXXX XXXX XXXX XXXX/XXXX. XXXX This complaint is to seek reimbursement for private student loans paid in the amount of {$11000.00}. This amount was paid in a settlement with Navient in XX/XX/XXXX and does not reflect any prior payments made to the original lender Sallie Mae. I attended this institution between the years of XX/XX/XXXX and XX/XX/XXXX. This college lost its accreditation while I was enrolled and has since gone out of business due to lawsuits for predatory practices. As a consumer of higher education, I feel I kept my end of the agreement of finally paying for this financial burden, and have nothing to show for it, outside of a piece of paper that has nothing to back it. Below I have recounted my experiences with XXXX XXXX XXXX recruitment and educational program, as well as the aftermath of attending the program they provided. Employment Prospects XXXX XXXX was my recruiter when I first looked into XXXX XXXX XXXX. I was still in high school when I spoke with him, and he made the culinary industry sound like easy money. I can vividly remember XXXX telling me how easy it would be to get a high paying position as a chef. He assured me that it would be remarkably easy to find a position as a personal chef for an actor, or an executive chef in XXXX XXXX making six figures a year straight out of college. XXXX also made a point that even if I was not making six figures, I would still be making a fairly comfortable living. Program Costs I was never fully educated about student loans or how to repay them. When my mother and I went for a walk through of the facilities, we met with a loan specialist that just told us how much the loan would be, which was over {$50000.00}. As this was just a short time after hearing from the recruiter and under the impression that this was pennies compared to what I would make, I was ready to sign and my parents were ready to co-sign. I took out half of the total loan and they took out the other half. Not only has these predatory tactics affected my financial needs, they have crippled my parents as well. Transferring Credits I was under the impression that my general education credits would transfer to other institutions in case I would want to further my education. I found out pretty quick after attending that they would not. I talked to a few other students that thought about transferring and were denied. XXXX XXXX XXXX lost its accreditation towards the end of my enrollment. Career Services The career service department of the facility had consistent discussions with classes and students constantly hammering it in our heads that we will have amazing externships and jobs afterwards. They also told us how restaurants love XXXX XXXX XXXX students. In reality, we were the butt of the joke in the industry. It was extremely hard for me to convince potential employers that I could work hard and learn when they saw I went to XXXX XXXX XXXX. I contacted career services after my externship looking for help with employment and they told me the job market was rough and offered no additional help. Education Services During recruitment, I was informed that this particular school had the best chef instructors in North America. There were some great instructors but for the most part, looking back anyways, were sub-par at best. The terrible part was the good ones were so burnt out on trying to teach people that did not really care or have any idea about the restaurant industry, they just did not care anymore. Admissions and Urgency to Enroll From the beginning of the process, I was constantly reminded of how prestigious the institution was. They made students write letters almost begging to be accepted. Once I was deemed acceptable, I got phone calls and letters congratulating me. I was told I was one of but a few that were eligible to attend and that I should enroll immediately. I felt special, like I had what was needed to be the best Chef in the world. Now looking at it, the speed of the whole enrollment process is comical. Other XXXX XXXX XXXX misled its students using harsh and predatory tactics. I have read in the past of class action lawsuits against XXXX XXXX XXXX in regards to their predatory practices. The shear magnitude of financial debt compared to my measly income, thrusted me into years of XXXX, XXXX XXXX and borderline XXXX. The plain fact is, I got a junk education that has costed me tens of thousands of dollars, ruined my credit, caused immeasurable hardship and pasted on to me a hatred for colleges in general. It has left me with an XXXX XXXX from a college that no longer exists. | ||||||
| 03/09/2023 | Yes |
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| On XX/XX/XXXX of XXXX I received a email which I still have about being in a class action lawsuit stating this : Dear XXXX XXXX : Subject : Student Loan Discharge Based on XXXX XXXX XXXX The Department of Education ( " Department '' ) has determined that the loan ( s ) you received to attend a school owned and operated by XXXX XXXX XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct. You also may receive a refund for prior payments made to the Department on your discharged loan ( s ) related to XXXX XXXX XXXX. Your servicer will let you know if you are eligible for a payment refund, which would be mailed to you. Please check your online account with your loan servicer to ensure your address is correct so you can receive any refund. Otherwise, you do not have to take any further action to receive your discharge. Your credit report will also be updated to reflect this discharge when it is complete. If you do not wish to accept this discharge, please contact your servicer within 30 days of receiving this letter. It will take the Department some time to process your discharge. Until the Department completes its work, your eligible loan ( s ) from XXXX XXXX XXXX will remain paused in forbearance/stopped collections, and we will not ask you to resume making payments. If your loan ( s ) are in default, we will not attempt to collect on the loan ( s ) being discharged. If you have other loans not covered by this group discharge, you will enter repayment and/or collections when the national pause on student loan repayment and collections ends. If you have questions about this notice, please call our borrower defense hotline at XXXX from XXXX XXXX on XXXX or from XXXX XXXX on XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX Operating XXXX Federal Student Aid Up to this day I continue to get the run around from Navient first I was told they didn't have any information about this then I was told they were waiting on the department of education to give them information this has been back and forth sense XXXX then in XXXX I called because Navient was reporting to the credit departments that my loans were 120 days delinquent which they were not they were in a hardship deferment til XXXX of XXXX and then switched over to the Government forbearance. In this conversation I asked Navient dis you receive any information from the department of education on the discharge from the case and asked them why they were reporting my loans were delquint when they obviously were not I was told that they didn't report them delinquent and the credit company 's themselves listed them as delinquent. When I asked if they got the discharge paper work they said they had it they had to get it approved '' by the loan holder and it would take up to 60 days .... when I called the D.O.E after that call for yhe borrowers defense I was told it could take up to 3 yrs to be discharged and that I had to fill out a borrower 's defense application even though this e mail above clearly states I don't, however I started a application anyways and the application process shows what loans are eligible and which loans are not well it was saying all of my loans were ineligible I contacted the D.O.E who then again told me today ( XX/XX/XXXX ) that I don't have to fill out a borrower 's defense and my loans would be discharged automatically cause of the lawsuit and to contact my server so I contacted Navient after this phone call today XX/XX/XXXX again and now Navient is stating that they have not got any information from the department of education. Which is a contradiction to the previous phone call with them. The Department of Education was the ones that told me to submit a complaint here Because I continue to get the run around from Navient but I feel like I'm getting a run around from both Navient and the Department of education. Thank you XXXX XXXX | ||||||
| 08/14/2018 | Yes |
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| In XX/XX/2006 I started school at XXXX XXXX in hopes of becoming a XXXX XXXX. At the time, XXXX XXXX was an XXXX XXXX XXXX that worked with Utah XXXX University to secure funding for their students. I was approved for a student loan with Salle Mae and started my training with the promise of a job upon completion and certification. I obtained my certification, along with the required number of XXXX hours, to become an XXXX. Unfortunately, shortly after doing so, the economy took a turn for the worst and the student pool dried up. With no XXXX to XXXX, I found myself out of a job and I did not have enough hours under my belt to be able to seek employment in my chosen field with another employer. Knowing I had a student loan debt to pay back, and a family to take care of, I determined that I would be required to start over - which I did. This time, however, I opted not to add to my already accumulated student debt, and have been self paying my way through school. During this time, my student loan was purchased from Salle Mae by Navient. From the very beginning Navient has acted like a loan shark - aggressively pursuing payments - even when I qualified for in school deferments. Every time I would start a new semester they would call to collect on the debt and I would have to tell them multiple times that I was in school before the calls would stop. I did not sign a new promissory note with Navient as I have received zero communication by mail - including statements, or repayment notices. Recently I was contacted by phone and by email indicating that my loan was again in repayment. I responded to the email, explaining as I have in the past that I am currently in school and my loan should be in an inschool deferment status. I received no response to my email, and the phone calls continued. Often the calls come while I am at work and unable to answer. Tonight I was home when they called and I was able to take the call. I spoke with a representative and explained that I was in school and that they needed to check the registry and place my account in deferment as such. I was shocked when the representative advised me that I had exhausted my in school deferment time. I had no idea that that was a cap on the amount of time available for in school deferment! I explained to the representative that the reason I had been in school for as long as I had was because I literally had to start over. The agent did not care one wit about my situation and simply continued to press me for a payment and advised me that my loan was now 2 months past due! Keep in mind that this is the first that I knew my account was delinquent as I have never received a statement or repayment notice in the mail. I explained once again to the agent that there was simply no way that I could make payments on the student loan at this time as I was self paying for my current education and I asked if there was anything that could be done to assist me. The agent immediately responded that there was not. At that point I asked to speak with a supervisor because I was feeling very stuck between an impossible rock and a hard spot. I had ( apparently ) exhausted all my in-school deferment time ( without my knowledge ) and now I was being told that I was expected to bring the loan current based on the regular payment amounts, which I simply can not do at this time. When the supervisor got on the phone, he barely listened to what I had to say and then gave me the same answer. I feel that I am being treated very unfairly here as Navient has treated my loan from day 1 as if it had been with them all along - however they continually refer to the promissory note that I signed with Salle Mae. That was an agreement between myself and Salle Mae - when Navient acquired my loan I was not provided with a new promissory note ( and terms and conditions ) for the loan. Additionally, they are unwilling to work with me at every corner. My wife has federal student loans that she is currently making payments on, which further limits my ability at this time to make payments to Navient AND self pay my way through school, all so I can pay off this loan to begin with! Truly if I could go back in time and choose a different profession from the beginning I would! Oh, and the school that I originally was attending, XXXX XXXX, has since gone out of business because of the lack of students. At this time my certification ( " degree '' if you will ) is a useless piece of paper because I can do nothing with it - and yet I am being hounded like a criminal all while I am trying to do the right thing and make things right. | ||||||
| 11/05/2017 | Yes |
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| NAVIENT Minimum monthly payments {$180.00} / Standard payment {$200.00} XX/XX/XXXX Received notice that my revolving credit limit had been decreased on a major credit card to almost nothing from XXXX. XX/XX/XXXX - XXXX XXXX informs me that I have missed a payment with NAVIENT XX/XX/XXXX - Logged on to XXXX XXXX to see Credit scored had dropped over 30points. XX/XX/XXXX - After a lengthy phone call with an NAVIENT operator, I was told the only option I had to bring my account current was to pay the total due amount. I was not offered forbearance or any other options. I was then transferred to a supervisor who said I could ONLY appeal by MAILING a letter to the address she provided. XX/XX/XXXX I located the FAX number and faxed appeal letter to NAVIENT XX/XX/XXXX Received an Email response from NAVIENT to the appeal letter faxed, saying they received the documents and would update my account in 5 days and to check my ONLINE account. XX/XX/XXXX No update was received on ONLINE account. Made another phone call to NAVIENT and was told that it likely would not be approved and that I had to pay the full amount to bring the account current. ( No forbearance options offered ) XX/XX/XXXX Received notice that my personal checking account overdraft protection credit limit was being reduced and closed by XXXX. XX/XX/XXXX After reviewing my account history, the number of payments, the alleged late fees, and researching my legal rights, I called Navient back to inquire about the status of the appeal. I was told it was NOT approved. I told them that I would be filling a report with the CFPB about their misconduct for having accepted over payments without applying them to the late fees, for not providing formal notice of the debt. ONLY THEN, did they inform me that I had forbearance available to me to use to bring the account current. XX/XX/XXXX I call to tell them know I want to put the account into forbearance. The representative confirmed that when the loan comes out of forbearance in XX/XX/XXXX that the late fees ( XXXX $ ) will still be there and that the only way to pay them is to contact them BY PHONE to direct the funds properly. And, it was confirmed that they have never applied any of my overpayments toward the late fees or past due amounts because I did not allocated they purpose properly with NAVIENT. XX/XX/XXXX Forbearance acceptance email received. Account is current XX/XX/XXXX Received another notice of reduced revolving credit limit due to CREDIT SCORE, this time from XXXX I have a transaction history from the NAVIENT website detailing the monthly payment amount that have received and the late fees occurring quite frequently and then monthly starting XX/XX/XXXX. Also shows a payment from me beginning XX/XX/XXXX, which should have prevented the 120 days late if applied to missing payment / late fees. The late fees are excessive relative to the payments sent and again as discovered, I have been being charged sporadic monthly late fees since XX/XX/XXXX with reoccurring consistent monthly late fees in all of XX/XX/XXXX despite having made over payment amounts the entire time. None of the over payments were ever applied to the late fees nor was I ever alerted / informed that I had a growing balance in late fees due to missed payments. I was under the impression any missed payments I had were covered by over payments. Outside of emails, I never received any formal written notices by mail or phone calls informing me of my excessive past due and late fees despite my monthly payments. All communication as admitted by the representative was strictly via email as I am paperless and they had the wrong phone number on file even though my mothers phone number is listed as an alternate which they confirmed but claimed was invalid though the number provided and confirmed is still and has always been active dating back 48 years. I also have emails from NAVIENT, showing the vague and confusion communications they alleged were notice of account troubles 1 ) Prompting me to go see a message about my account on the website. Never saying it was urgent. *Those correspondences have since been removed or are no longer available to view on NAVIENT account 2 ) Monthly statement emails with NO PAST DUE notice, only a balance due. No WARNINGS, only a prompt to see more information on website 3 ) Emails stating forbearance options and repayment options with NO direction or stated connection to current account condition. AND 4 ) PAYMENT RECEIVED email with amount and date received, no other account or balance information. Thank you | ||||||
| 09/06/2019 | Yes |
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| I have been harassed regarding several private student loans that my son XXXX XXXX borrowed from Sallie Mae now Navient Student loan in XX/XX/XXXX. My son attended the University of XXXX for XXXX XXXX. He ask me to sign as a cosigner for one loan of XXXX. I had no knowledge that my son cosigned my name by computer for 3 private Sallie Mae loans in XX/XX/XXXX. In XX/XX/XXXX I filed for bankruptcy Chapter XXXX along with my spouse. During the bankruptcy 5 year period Navient never contacted me regarding any loan obligations that they purchased from Sallie Mae Private student loans. My bankruptcy Chapter XXXX plan ended in XX/XX/XXXX. I am currently XXXX XXXX and have not worked in 7 years, .I had 2 XXXX XXXX and 3 XXXX XXXX, 2 XXXX XXXX and 2 XXXX XXXX. The health problems that I have left me unemployed and dependent on my spouse for XXXX payments and unpaid medical bills. Navient has written, emailed and called my family members and neighbors regarding my son 's loans. I agree with Navient that the loans need to be repaid. I explained my situation to Social Security and Navient. In XX/XX/XXXX Navient agreed to send me a package of papers for the 5 doctors and specialist that currently see me for my total XXXX. I was told to send the forms to the doctors of record and they ( Navient ) would place my name for cancellation of these loans. Navient was sent all documentation from the XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX. Navient refuses to remove my name from all these private student loans depite the paper work that the sent to me stating that they would honor the discharge from these loans if I would have the doctors to provide the information that qualifies me to be XXXX XXXX I have sent the letters to my son to remove my name as a cosigner on his loans. Navient tells me I can not request to be remove from his loans. They said only he can ask for my name to be remove. Yet Navient stated a cosigner name is only required for 2 years on their loans. Navient tells me by letter after they receive my paper work requesting discharge from the one loan I sign not three loans that my son XXXX XXXX signed. They stated we honor disbilities and will work with you at first, then they send a letter stating since your not the borrower we can not honor your request for loan discharge due to you being XXXX XXXX. Navient refused to honor federal standards for private student loans. My credit is ruin by Navient charging 100 % interest he borrowed XXXX in private student loans for XXXX school. Now Navient reactivated the loans without my request to remain as a charge off on my credit report. All correspondence that is mail to me never includes my sons name XXXX XXXX. It only includes my nmae stating it is a joint responsibility account. If it is supposed to be equal responsibility as a joint account then why is Navient not honoring my request for permanent XXXX if they claim I have the same responsibility as the borrower. I wrote a complaint regarding this matter before in XX/XX/XXXX. Still today Navient is harassing me and refuse to accept my inability to pay the students loans that were sign in my name without my signature. Navient continues to say they have an electronic signature when I never signed but one loan for my son. It is XX/XX/XXXX and Navient is still harassing me and other collection agency robocall my home daily. I do have the paper work to show what Navient wrote me in XX/XX/XXXX stating they would work with me to discharge loans based on me being XXXX XXXX..My son is not disable and should pay Navient for their loans that he took out for XXXX school at The University of XXXX . I am just confused and frustrated that Navient lie to me and told me they would honor the discharge of the loans for as I am concerned. I did my part in sending them the documentation from Social Security and my doctors and Specialist that are in charge of my multiple XXXX. Navient sent the package for me to provide the doctors with to fill out regarding my conditions. Two months later Navient send a letter with no signature stating we honor disabilties but not for cosigners. This whole experience has taken terrible emotional stressors on me. I am unable to pay Navient for a grown son XXXX years old now and have not spoke with me in 7 years. I sent letter requesting him my son to request my name to be removed from any fradulent accounts. He returns the mail without opening it. I never cashed any checks or deposited any of Navient ( Sallie Maes loans ) in my account. If any name was sign it was forged by my son not me. | ||||||
| 10/14/2019 | Yes |
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| I disputed some accounts on my credit report, sent out on XX/XX/2019. XXXX did receive that dispute letter on XX/XX/2019 USPS tracking XXXX XXXX, according to FCRA 611 ( a ) ( 5 ) ( A ) ( i ), had 30 days to respond to my dispute letter of the accounts ; if not, they were supposed to remove/delete all the accounts disputed. They missed their deadline by sending a response with the post mark of XX/XX/2019 ( see attachment XXXX Late ), therefore they did not comply with the law. I received a response letter stating that two accounts would remain : Report response reference numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Dept of Ed/Navient XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX In regards to their response, which should be voidedthey did not supply my requests. I requested verifiable of an original Consumer Contract with my signature on it, again, according to the law FCRA 609 ( a ) ( 1 ) ( A ). Their response was that they reached out to the debt collectors and the debt collectors informed them that the debt is verified. The law says that the CRAs must conduct a reasonable investigation, FCRA 611 ( a ) ( 1 ) ( A ) which according to Kushman vs Transunion, they have to conduct an independent investigation. They are still conducting the same practices that were ruled against within this case. I have also requested to know their method of verification involving my dispute. I requested the exact procedures taken to conclude their results, who was involved, but none of these requests have been provided ; for both, XXXX XXXX nor Navient. The account for Navient was transferred/Sold immediately to the Department Default group as soon as my dispute was sent to them. It is my opinion that they sent it to default to avoid having to verify the account and force the Dept of Ed to deal with me. The Dept of Ed is only involved because of Navient claiming to be the holder of the account, but has not verified it. The Dept of Ed claims that Navient is now, formerly Sallie Mae. Navient has already lawsuit in the courts to CFPB due their falsehood methods, but shall they continue. They are not following the law, once again. I have requested verifiable proof but it has not been fulfilled. Due to all of the data breaches, one should understand this simple request. I have even noticed that the names and address listed under the Secretary of State business licenses do not match for Navient. They are listed as just Navient on my reports while showing Navient Inc or Navient LLC, and the address is different from the Secretary of States listing in Louisiana. They do not all match. Shouldnt XXXX be held accountable to provide verifiable proof that I owe them this debt that Navient is claiming? Shouldnt they have to provide me, the consumer, all the information associated with my file, at my request? They names of those that have touched my file, their exact method of how they verified other than just speaking to the debt collector, Navient? In addition, Navient was closed but still reporting charges, and now the Dept of Ed is reporting the same dept to my credit report. It is illegal for the CRAs to report the same debt from two different sources with balances from both, but they are doing it right now. There are errors listed on the payment history as well. One month shows Ok, then the next month shows 90 days late. According to the legend provided on the credit report, each month is supposed to progress from 30 days, to 60 days, to 90 days late, etc. This is inaccurate late payment reporting. I have demanded proof of payment history to clarify these errors, but nothing has been given, so now my payment history reflect false summaries, which have affected my credit as well. Navient should not have been able to report my account to the Dept of Ed because they never sent verifiable proof of the debt at my request, which was sent out on XX/XX/2019. The 30 days have past for this request to have been fulfilled by Navient as well. XXXX XXXX has not provided XXXX with verifiable proof either. XXXX has closed their accounts, but they are still reporting charges to that account, which continues to drop my credit score. I have demanded that XXXX delete XXXX XXXX because they have inaccurate reporting and have not verified the debt with the original consumers contract with my signature on it. Instead, XXXX told me that XXXX XXXX has verified. When I asked for their procedure of verification and the method, I was told that they have already investigated this matter and it has been verified. | ||||||
| 08/18/2017 | Yes |
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| XXXX XXXX, XXXX This is in regards to Navient I have participated in Navient Rate Reduction program for roughly the past 2.5 to 3 years. It helped me so much as I am a XXXX and my income fluctuates throughout the year. Unfortunately there are times I do n't work and am on unemployment so this rate reduction made it possible to make the payments during income droughts. Each you are required to re-apply for the program. You are interviewed and asked about your monthly income, your spouses income and the sum total of your various bills related to basic needs. In this particular interview I was asked by the representative, after explaining to them in detail that I 'm currently not working and on unemployment, how much I make when I am working and how often am I paid. I gave them an estimation of my bi weekly income when I am working for a company. Navient took this information and calculated that I have XXXX in excess income at the end of the month with which to pay my student loans and was denied access to continuing the rate reduction program. I politely asked " Should I have given you my monthly income on Unemployment? Because that is my current reality '' The representative said I could gather bank statements to submit to them to show proof of my lessening income and reapply. I took her advice, submitted the documents and called again a few days later. The new representative looked at my information and said the original representative would call me back later that day. I waited till the afternoon and received no call so I called back. A new representative explained to me she received my info but never worked on my account and the original representative who told me about the bank statements no longer works for the company. This frustrated me because I had no knowledge of this and should n't a company dealing with such high financial burdens and payments be looking out for the people they are supposed to be aiding in paying them, should n't they have reviewed this ex-employee 's information and noticed that they informed me to submit more information and keep in touch with me. The new representative then explained that the head manager denied my application and there was no way around it. I asked to speak to their manager and while I was transferred it was n't without them adding " Well my manager looked over you account with me but ok '' I spoke with the next manager and was explained with no sense of empathy that his manager who is " 3 levels above him '' denied my application, and again " this is black and white, theres no way around it. '' I explained some of the above I 've shared about my unemployment income and the error I believe happened on the application regarding what I " sometimes make ' and he explained that " We see that your account is in good standing and your credit score shows no negatives so we believe you are able to pay. If in the future you are unable to pay you can call us and we can see what the next steps are. '' I was so baffled by this logic. My account is in " Good Standing '' because it is in a " rate reduction program '' it was not in good standing prior to entering the program. I was constantly late or making half payments. I have n't missed a payment in almost 2 years because of the plan. It seems offensive to me that I now have to go late or delinquent to have access to a program I 'm trying to use to stay in current standing and pay off my loans in a way that benefits the company and helps my wife and I have some money to get by. The lack of empathy and the almost subtle frustration I could hear in the representatives voice was incredibly offensive considering that my financial burden is n't their personal problem, they do n't have to live with it, they do n't have to talk to their staff and try to find the best solution. I would encourage Navient to actually acquire a heart in their business practices and train their staff to exercise all possible options to aid someone in trying to actively stay " current '' with their bills. A student loan company 's business model should n't be " call us when you 're failing and we 'll figure it out '' it should join hands with the people it is servicing to help them avoid falling down, to avoid having to climb out of holes. If my payment is late this coming month or lower than normal, it is completely the fault of Navient not attempting to work with me or help me. They should be responsible for any " default '' I accrue considering I tried everything to avoid it. I 'm not sure there is much else to say except shame on you. | ||||||
| 10/12/2018 | Yes |
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| I would like to address an issue that my son and I are having concerning his student loans through Navient ( formerly known as Sallie Mae ). He attended the XXXX XXXX XXXX XXXX Pennsylvania. I cosigned 2 private loans for him. After that, I was not able to cosign for anymore loans because I had cosigned for other student loans for my daughter and step daughter. My son tried to quit college twice because he didnt have the funds to continue. The XXXX XXXX approached him and made it possible for him to keep going and obtain his XXXX XXXX. I did make some payments directly to the school during that time and also took out a XXXX XXXX loan. The problem came when he was hit with over {$160000.00} in student loan debt, both private and federal after graduation. He did obtain a XXXX XXXX degree. I tried to work out payment arrangements with Navient because the payments were over {$1100.00} a month. They were nasty and totally unreasonable to work with. They had me in tears more than once. They told me that it wasnt their problem how he paid his rent and car insurance. I started making {$800.00} payments to Navient for approximately 2 or more years and my son paid the difference. During this time, my son and I, again, requested getting our payments reduced. He was employed as a XXXX XXXX making {$30000.00} a year. He couldnt live on that and have this hanging over his head. They came up with a reasonable payment that we were satisfied with and at the last minute, they told us that the manager wouldnt sign off on the payment plan. Well, my job situation changed drastically. My husband and I both lost our jobs ( we worked for the same company ). We were given a severance package and continued to use our money along with our XXXX to continue making payments. I got a job through a temp agency making a measly {$12.00} per hour. My husband at the time was still unemployed. Again, my son and I called Navient to see if they could work with us. I let them know we could no longer make the payments. They did the exact same thing.they said they could lower the payments and in the end, the manager would not sign off on it! We tried to contact the XXXX XXXX and learned they closed their doors because of student loan fraud. We were desperate, we got an attorney involved to see if he could talk to Navient. They would not negotiate anything with him. In the meantime, the loans have been turned over to collection. We have not been contacted by the collection agency as of yet, so I reached out to XXXX XXXX XXXX and they are referring the case over to an attorney. We have since learned that the Attorney Generals office in Pennsylvania has filed complaints against Navient and the XXXX XXXX both for student loan fraud and various other unethical behavior. We are currently filing complaints with the Attorney Generals office as well. I have cosigned for my daughters school loans with Navient, which I am currently helping her to repay. The loans are in good standing. Her debt was $ XXXX out of college. I cosigned for my step daughters school loan for 1 year of college also with Navient. We are repaying that $ XXXX loan as well and its in good standing. I have a XXXX XXXX with Navient for my sons schooling that Ive been paying on for almost 10 years and is in good standing. That was $ XXXX. So, we are willing to pay our share for my sons education, but at a reasonable amount with reasonable payments. First of all, Navient and the XXXX XXXX knew full well that my son could never be able to repay these kind of loans. This is a noose around his neck for the rest of his life. His job is unstable and his marriage is on the brink of divorce and hes only XXXX years old. Im almost XXXX years old and I will do what I can to help pay off some of the debt, but if my health fails 10 years from now, then what? I will never be able to retire and thats finebut as a mother, I want my son to have a chance to live his life without this burden. Im a desperate Mom asking for you and your staff to intervene on our behalf. Could you please do what you can to reduce some of his debt and accumulating high interest were facing? I have enclosed a snap shot of my Navient account showing current balances as well as my son. The amounts are staggering as youll see. Anything you can do at all would be greatly appreciated. I appreciate your time in reading this letter. I know were not alone. There is a real student loan crisis in this Country. Something needs to be done for these kids coming out of college facing the same thing that were facing. | ||||||
| 07/19/2017 | Yes |
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| I have been a XXXX XXXX XXXX XXXX XXXX XXXX for 25 years. I was told by my loan servicer, Navient, many times over the past 7 years ( Navient took over my loan in XX/XX/XXXX ) pursuant to my incessant inquiries, that my consolidated student loan is eligible for public service loan forgiveness and that my loans will be forgiven in XX/XX/XXXX , wh en I will have made 120 loan payments. On XX/XX/XXXX , I received notice from the U.S. Department of Education that my consolidated loan is not eligible for forgiveness because it 's a federal consolidated loan, not a federal direct consolidated loan. Needless to say, I was shocked and angered by this news, as Navient has repeatedly assured me that I have nothing to worry about and my family and I financially relied on those assurances. I called Navient, and I received a defensive stance from the representative I spoke to, not to mention dubious answers to my questions. I asked for and received a floor supervisor and explained that not once did Navient inform me that my consolidated loans were not direct consolidated loans or that I would have to convert my loans to direct consolidated loans in order to be eligible for forgiveness. I told the supervisor that, in fact, Navient representatives have consistently assured me over the years that my loans were eligible for forgiveness. Of course, Navient says they have no record of any such calls. I am an XXXX of the XXXX , and I 'm not about to lose my XXXX XXXX by lying about my repeated calls to Navient over the years and their assurances that my loans are eligible for forgiveness and not to worry. The supervisor informed me that it is the duty and policy of all Navient representatives to steer XXXX XXXX like myself toward direct loan consolidation so that they can take advantage of public service loan forgiveness. The supervisor seemed surprised at my situation. I then asked the supervisor what it takes to convert a consolidated loan into a direct consolidated loan. She informed me that it 's a simple phone call and that the monthly payments are substantially the same! I then submitted that had I been properly advised by Navient to convert to a direct consolidated loan, I most assuredly would have done so. It would be foolish not to! I then asked what happens to the loan if I convert. She informed me that the loan is purchased from Navient. Considering that my loan is not expected to be paid off with Navient until the year XX/XX/XXXX ( even though I 've already paid over {$100000.00} on an initial {$45000.00} or so debt ), I posited that it sounds like coverting my loan would be against Navient 's interests, as they would lose the loan and all the interest that comes with it. The supervisor, to my surprise, agreed. I then floated my suspicions that Navient 's officially published policy requires representatives to steer public service debtors toward direct consolidated loans, but that, unofficially, these representatives are told to withhold this material information to avoid losing loans to conversions. The supervisor had no comment here. Navient 's answer to me : Convert to a direct consolidated loan now and start over with my qualifying 10 years of public service and 120 qualifying loan payments! I 'm 6 years away from retirement! I 've got 25 years of public service and over 20 years of loan payments. But, because public service forgiveness is not retroactive, I only get credit for the last 10 years of service and loan payments. I spoke to two colleagues that also have consolidated loans through Navient. I told them my horrific story and they were both shocked. They too were assured by Navient time and again that they are fine and not to worry about their eligibility for public service forgiveness. But now, they 're not so sure if their expectations will be fleeced like mine were. My colleagues have no idea if their loans are direct consolidated loans or not. In fact, my colleagues never heard from Navient of any distinction between direct consolidated loans and other consolidated loans. They simply relied, like I did, on Navient 's assurances that their loans are eligible for forgiveness. I 've already written and sent off letters to the CEO of Navient ; my U.S. Senator, XXXX XXXX ; and my U.S. Attorney in XXXX . After an extensive internet search, I thought that submitting this complaint to your agency would be a good idea, as you appear to be all too familiar with Navient 's dubious, if not illegal, loan servicing practices. Please help. | ||||||
| 01/05/2020 | Yes |
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| On or about XX/XX/XXXX, I had contacted Navient to change the autopay on the single student loan I had with the organization, as I had fraud on my previous checking account. Upon contacting the organization, a call center rep setup login credentials for me with Navient. Upon logging into Navient, I noticed that there were 6 different student loan accounts with Navient in my name, as opposed to only 1 student loan that I had authorized. I stated that these were not my student loans and I wanted to know how to address these. I spoke with another Navient employee and stated I did not recognize these loans and wanted to get copies of the Master Promissory Notes for each of these 5 student loans that I was disputing. I filed a Police Report for personal identity theft with respect to these loans on XX/XX/XXXX. After a couple weeks passed, I contacted Navient again as I had not received the loan documents I had requested. This Navient agent stated that there was no record of me requesting the loan documents. I again submitted another request for these loan documents so that I could verify that these loans were, in fact, not mine. Upon receiving these loan documents on or after XX/XX/XXXX, I reviewed the documents and confirmed that these loans were not mine, that I had not received any funds from Navient for these loans, and that the signatures on these loans were not mine. I contacted Navient and asked to file an Identify Theft Report to dispute these loans. A Navient employee names XXXX was assigned to handle my identity theft / fraud complaint. I provided an Identify Theft Affidavit to Navient on or about XX/XX/XXXX per their request to continue the investigation. Later I was asked to provide multiple pieces of information to support this investigation with Navient, which I had provided each time I was asked. These included billing statements from the university that I attended during the XX/XX/2005-XX/XX/2007 time frame when the loans were taken out, multiple verbal statements taken by Navient regarding these loans, as well providing contact information for the county prosecutor agency whom was investigating these fraud instances. During this time frame of the investigation into these fraudulent loans, when the loans had been placed into an administrative forbearance ( to investigate the fraud ), I had received multiple phone calls from Navient stating that I needed to make payments on these loans, otherwise, Navient would report these loans as delinquent to the credit reporting agencies. I specifically told the agents who called me that these loans were fraudulent and that they were being investigated by their own internal fraud department, however, the agent stated they could not find anything to that effect. I stated that these were not my loans and I have never made a single payment on them, nor would I due to them being fraudulent, the agent stated that they would be submitting these loans as delinquent to my credit reporting agencies and I would be impacted as a result. I had to call Navients fraud team, spoke with XXXX, and stated exactly what the collection agent at Navient had stated. XXXX had confirmed that the loans were in an administrative forbearance and that nothing negative would be reported on my credit, other than the loans would still be listed on my credit until the completion of the investigation, and the status of the loans was current. However, I received notice on XX/XX/XXXX from a credit report that Navient, in fact, submitted trade lines to my credit reporting agencies, stating that these loans were past due. At the time I was submitting a loan application for a mortgage and this negative tradeline would have cause me significant financial harm due to the negligence of Navient. Navient, on or about XX/XX/XXXX, stated that they completed their investigation, and claimed that they had received a phone call on or about XX/XX/XXXX, stating that a person claiming to be me had called their organization and made a payment on these loans. I told the Navient fraud investigator, XXXX, that I did NOT make any payment on these loans, and I did not authorize these loans. XXXX stated that there was nothing further that Navient would do and that they are considering me responsible for these loans. To date, Navient has not spoken with the police agency or the county fraud investigator assigned to my fraud case. Currently, Navient is sending me documentation stating that these loans are my responsibility and that they are currently past due and require payment. | ||||||
| 01/26/2021 | Yes |
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| I went to graduate school in the XXXX. Made my first payment to then Sallie Mae in XXXX. Have since paid off {$41000.00} of a {$34000.00} student loan. As of this writing, mostly due to capitalized interest my principal amount is {$38000.00}. My estimated total payment is {$100000.00}. In XXXX I had my principal amount down to {$19000.00}, because I had paid ahead, my next payment due was not until XX/XX/XXXX. I was on track and in striking distance of getting out from under this debt. I started a XXXX XXXX in XXXX. A year later my XXXX second-hand car broke beyond repair, so I got a brand-new-second-hand XXXX. Then came the Great Recession shortly thereafter. I was able to keep my fledgling business, by restructuring and was able to pay off my SBA backed loan not only on time ( balloon payment ), but without missing a single payment. I was also able to keep paying on my 5-year, $ XXXX/month car loan, again without missing a payment. It wasnt until I purchased this car that I became aware that credit scores stopped at XXXX, never gave it a thought, just always lived below my means and paid my bill on time. The finance guy, at the dealership, brought it to my attention. He told me that in all his years of working in the industry, he never met someone with an XXXX credit score. I was like, XXXX out of XXXX? He was like, no, XXXX out of XXXX. That was then. Thanks to Navient. In XX/XX/XXXX, two months before my next student loan payment was due, given the state of the economy and my current situation, I reached out to servicer inquiring as to what options were available to me. The answer came back file for Economic Hardship. So I did, only to get a reply stating that I had filed too earlier. It was XXXX and my next payment was not due until XXXX. According to them. I needed to file within 30 days of the date my next payment was due, which as I stated above was XX/XX/XXXX. Even though I was not delinquent at the time, I was sent a letter asking me to choose the date in the future when I wanted the economic hardship to apply and/or initial a specific spot in the letter for delinquent loan. These two options were in the same letter. Looking back I now suspect I was being set up to go into delinquency, I just didnt realize it at the time. And this is how my delinquency, administrative forbearance, late fees and capitalized interest journey started, and continues. Even though I complied with the request in the letter, the rest of XXXX, was a struggle to get to some definitive plan. As the months ticked by, I started getting past due notifications, then threating to report me to the various credit agencies notifications, and finally the threat of default. It was at this point that XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) got involved. It wasnt until XXXX made me aware of an Income Sensitive Repayment Plan, that I realize such an option existed. When I finally made it on to this Plan in XX/XX/XXXX, my servicer had racked up late fees, capitalized interest, and anything else they could tack on to my loan amount. Ive been on this plan since then, however, every time Im in receipt of correspondence from Navient, the letters always state somewhere in there, Capitalized interest may apply. That should read Capitalized interest will most definitely apply, because I have never been shown any leniency when it came to tacking that on. And they have never given any example of when it may or may not be applied. It has come to my attention that while on the Plan, now refer to as Income Based Repayment, no interest should be capitalized. However, Ive recently noticed that in XXXX and XXXX capitalized interest in the amount of {$5300.00} and {$5900.00} were applied, respectively. I have maintained my IBR eligibility and status since XXXX. So there is a bit on contradiction there. Ive recently gotten my latest recertification letter a month behind schedule and had some concerns. Through the Ombudsmans office I was able to finally reach someone at Navient located within the boarder of the 50 States, but just like XXXX, I am getting nowhere. I do plan to contact HESC directly and see if they can also assist. Im just looking to get Navinet to communicate with me. I would add in a timely manner, but this late point, its not applicable. Steering me to file Economic Hardship when Income Sensitive Repayment was a much better option, not getting back to borrowers with time sensitive issues so the clock can tick and in turn rack up late fee and the likes is willful, predatory and unforgivable.. | ||||||
| 09/13/2021 | Yes |
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| On or about XX/XX/XXXX I learned that my federal student loan service by Navient has been on administrative hold due to a pending Borrower Defense application submitted on or about XX/XX/XXXX to the Department of Education, that I shouldn't have been making payments as I was doing. I wasn't notified by Navient that the account has been on an administrative hold, Navient constantly collected payments from me knowing this information. I reached out to a rep at Navient regarding this matter, asked for a refund which I am entitled to. The rep I spoke with at Navient confirmed this, calculated the total of my refund since the my account was placed on hold. She informed that refund will be issued within 7-10 business days. On or about XX/XX/XXXX I called Navient inquiring about the refund in which I didn't see, I was told by the rep that it due to the amount of the refund that the supervisor initially signed off on the approval wasn't authorized, it had to be submitted to an higher authority. I informed the rep that I rather have my refund direct deposit, she asked for my banking information to be direct deposit since I initially setup my payments via military allotment, the rep stated that I needed to provide something from my bank stating that was indeed my account information. My response to her why would I provide someone else banking information to get my refund. I provided the banking information from the bank as asked to do the same day. A few days later I was notified that the information that I provided didn't match what they have. I called Navient to informed them of course it won't match because it was created by me as a Military allotment after hours on the phone with them the rep ensure me that my refund was approved by the correct person that's authorized, it should be in my account within 7-10 days. On or about XX/XX/XXXX I called Navient to inquiry about the refund wasnt in my account, the rep I spoke with transfer me to the military side of Navient, I spoke with a XXXX, I had to explain everything over to her again about I had set up a military allotment, she stated that her counterparts didnt know what that is, since Im the borrower and the remitter Im correct the refund should have been sent back to me. And that the refund should hit my account around XXXX. My refund didnt hit my account as stated I called back to Navient , spoke with the rep XXXX XXXX XXXX had to give her all the information all from the beginning, after numerous holds and coming back to the phone she stated to me that the refund has been approve however it was an issue with my banking information, I stated to her that it won't match since it was a military allotment that was setup. She stated to me that she enters this information to a higher supervisor name XXXX that was working on my case along with XXXX to expedite it up since I was scheduled to get refunded awhile ago. On or about XX/XX/XXXX I called back after getting a notification that Navient sent my refund to XXXX XXXX XXXX XXXX ( XXXX ). I spoke with XXXX the supervisor that's supposedly working my case, he proceed to tell me different information from what his staff XXXX and XXXX told to me, and I told him as a supervisor he need to train his staff better with customer services, providing accurate information. He tells me since my information didn't match that Navient sent partial of my refund to XXXX and to the Treasury, they will issued the refund. Being so frustrated hearing what I just heard after the weeks of the constant runaround and the " thank you for your service '' I hung up. I'm not tired of hearing that " thank you for your service '', get treated like XXXX. After calming down I called back on XX/XX/XXXX, reached XXXX I asked her to provide me with the check numbers and addresses of where my refund went to she was able to provide the information for XXXX but not the Treasury address, I informed her a complaint will be made. I contacted both XXXX and the Treasury, informed that they haven't received a check from Navient, that Navient would issued the refund to me not them. On XX/XX/XXXX I contacted both XXXX and the Treasury once more to see they received anything regarding me and the reps from both agencies stated the same thing I was once told before by other agency. My complaint is Navient took my payments from me knowing that I have an application in and that they weren't required to, withheld informing me of the administrative hold and not to make payments. I would like to have my refund that is due to me. | ||||||
| 11/13/2018 | Yes |
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| After graduation, I struggled to re-pay my loans. I had private and public loans. Both were serviced by Navient. This is my second time submitting this complaint. XXXX XXXX is the Borrower at issue. XXXX XXXX is XXXX 's attorney and wife and authorized user. There are MULTIPLE issues with Navient. Navient 's response that " XXXX XXXX does not have authorization to deal with her mother, XXXX XXXX 's loans '' is the same bull XXXX that Navient has been doing to XXXX XXXX for the past 10 years. The problems are 1 ) incorrect and inaccurate information from Navient to its borrower XXXX XXXX and 2 ) improper credit reporting, described below Statement from XXXX, XXXX XXXX : I receieved notices from the Servicer, Navient, about my loans. I contacted Navient and made payments to make sure the loans did not default. Multiple people at Navient told me I was all set. '' Come to find out, my private loans were back in re-payment, but my federal loans were at the brink of default. Further, my public loans had been put into repayment plans that I did not authorize. Navient never told me this and i operated on the assumption that my loans were in repayment. Recently, in spring XXXX, while trying to procure a mortgage, I learned that my federal loans had all defaulted. Navient serviced them but did not help me when I was trying to put all loans into repayment. Most notably, the default date varied between the federal loans. This is impossible because I always paid or failed to pay my loans together. I never identified loans to pay while leaving some unpaid. The default date should all be the same. Upon learning this, I was able to pay the entire balance of loans I took out, and have the collection fees and accured interst waived. XX/XX/XXXX I fully paid those formerly defaulted federal loans. Now, my issues are as follows : 1. ) my credit score shows multiple default dates, for various federal loans, this is inaccurate, all were defaulted at once. Discrepancies include : cancel date XX/XX/XXXX ; default date XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; default date XX/XX/XXXX 2. ) my credit score shows that the loans were paid not in full for less than amount owed, but NLDS.ED states those loans were paid in full XX/XX/XXXX 3. ) my credit scores shows some loans still in collections although NONE are in collections. They were all paid in full XX/XX/XXXX according to NLDS.ED 4. ) if navient had not advised me my loans were all set i never would have defaulted. Because, i would have defaulted on ALL loans or NO loans. 5. ) some servicers listed on my credit report i called while trying to figure out what happened with my loans and they told me they never serviced my loans. I was a XXXX XXXX XXXX and finished my degree in XX/XX/XXXX. I never asked for loans to be put in forebearance. I never asked for loans to be put into any repayment plan other than standard. I notice my XXXX system says loans were in graduated repayment I never asked for or authorized or approved or even understood that loans were anything but standard. I communicated with Navient and Navient is the company that ultimately told me my loans were all set and back in repayment when they were about to and actually did default. Apparently the private arm of loan servicing did not communicate with the public arm of loan servicing even though I communicated with one company. I know this because my private loans were all set and are still in repayment. This matters, even though I managed to pay my federal loans in full XX/XX/XXXX, because it affects when my credit score will normalize after finally paying the federal debt ( which unbeknownst to me was defaulted ) and allow me to get a mortgage. Mortgage rates are on the rise so the sooner the resolution the better. I would like the default date to be set to the date the default actually occured on all federal loans XX/XX/XXXX or earlier. ( Based on the fact i never asked for any modified repayment plan. ) I would like the repayment plans my loans were put into to be examined, because it was not authorized or requested anything but standard repayment and if the default was actually earlier than XX/XX/XXXX i would like the records to be corrected to the correct date. I would like the status showing collections portion of my credit score related to student debt to be removed. All have been paid, and private loans are in repayment, there are none in collections. I would like the credit score to reflect loans were paid in full, like my education account. | ||||||
| 08/08/2017 | Yes |
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| In XXXX 2017, I refinanced my student loan debt through XXXX. The application was submitted and processed very quickly. The loan documentation stated that the new creditor would be XXXX XXXX XXXX XXXX. This entire process was handled online. I was contacted by the old provider that the balance had been paid in full and transferred to the new creditor. Several weeks later, I received a phone call from a person stating they were from Navient and immediately wanted my social security number and date of birth. Not knowing who Navient was and naturally concerned about fraud I refused to provide and asked the nature of the call. They refused to answer any questions unless I would provide this information. I Would not and the call ended. This has happened several times since. About 60 days after the loan refinance was processed, I realized that no payment had ever been pulled from my bank account and that I had never been contacted by XXXX XXXX or XXXX. I then started to wonder if Navient was in some way connected. I researched online whom Navient was and found it to be a student loand processor. I reviewed my loan documents, but no mention of Navient on the loan documents. I conclude that it must be coincidence that I was receiving fraudulent calls from a caller claiming to be with Navient. My loan documents did not provide any contact information for the new creditor, so I contacted XXXX XXXX, The representative had a hard time locating my application information and they could not provide any help. This past week, I pulled my credit bureau and became aware that Navient had reported my student loans to be past due 60 days. Again, I did not have any knowledge why Navient is involved and why they would be reporting to the credit bureau. I received another call from Navient today, Asking same questions and refusing to talk unless this info was provided. I told the person on the phone that I wanted to get my husband on the phone and that person stated that they would just call at a later time and hung up. This further supported my belief of fraud. After the call, I again contacted XXXX XXXX and after a long telephone conversation the person apologized that documents are misleading and the website is misleading ( Recorded call ), but stated that Navient is a servicer for XXXX XXXX and provided a number to call Navient. The person did state Navient is listed on the XXXX XXXX website under refinancing tab. I have again reviewed the site and there is no mention of Navient and/or their affiliation. I called the Navient number, explained the entire problem with the person ( CSR- XXXX ). He was not able to help at all. He said that I needed to write a letter and he provided the information to submit the letter via the website and by mail. He also instructed me on how to register an online access account and said that I could submit a letter through this account. After the call, I went to the website and completed the online enrollment. As I reviewed the information. My profile shows an old address that is different from what I provided at application ( the correct address is on the application and loan documents ). Why is an old address used in your system? I have submitted a complaint with the Indiana Attorney Generals office and have filed a dispute with the Credit bureau. This whole process has been very misleading and deceptive. I have never received any postal mail from XXXX XXXX, XXXX or Navient to notify me of the status and/or explain why I am getting weird calls from Navient. After a lot of work, I now know that Navient is a servicer for XXXX XXXX. This has created great stress as my credit was excellent and no past due payments until XXXX XXXX and Navient posted this erroneous information. Is the loan past due? Yes, but this is not by any fault of mine. This is solely the fault of these companies and the unethical handling. I have informed Navient of the problem and told them that I want my credit bureau corrected and any assessed fees to be removed before any payments will be remitted. The Navient rep was more interested in getting a payment than fixing the inaccurate information caused by not correctly informing me during the loan process. They tried to convince me to catch the payment and then submit a letter to try to resolve the issues. I have no faith that they will fix this problem unless I withhold payment until they correct their errors caused by their misleading process.I further have required written proof that these items have been resolved. | ||||||
| 09/19/2018 | Yes |
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| Dear Consumer Financial Protection Bureau, In this complaint, I discuss in detail with backup documentation how Navient has economically harmed me by going back on their agreement with the XXXX XXXX XXXX and me in addition to numerous past issues. On XX/XX/XXXX I submitted a complaint to the Consumer Financial Protection Bureau against Navient. It is a separate and closed case that addressed how Navient 's previous actions led me into higher payments that I could not afford. On XX/XX/XXXX ; Navient responded to the complaint with an agreement between myself and the Consumer Financial Protection Bureau. The agreement stated that I applied for the extended Graduated repayment plan giving me .monthly payments in the amount of {$86.00} for 48 months. This was a written rebuttal of what the Navient representative stated to me by phone on XX/XX/XXXX. In the attached document 1, I highlighted this agreement in yellow. I had been paying the agreed monthly sum for 12 months when on XX/XX/XXXX Navient sent me payment slips in the amount of {$110.00} ( coincidental after the complaint is closed ). Attached document 2 shows that I made the agreed payments on time with zero fines or fees. Under the column in attached document 2 it shows zero indication that I had been delinquent. However it shows capitalized interest of {$190.00}. If the agreement was {$86.00} for 48 months, why am I being harmed with capitalized interest that I owe? On XX/XX/XXXX when I called Navient about the discrepancy, I was informed that I owe {$190.00}. What?! This would be my second time as a Navient account holder calling their XXXX number. The representative could not answer why my payments went up. She encouraged me to go on the income driven payment plan and put me on a complimentary account hold. However later on when I looked at the numbers her monthly amount of {$100.00} was different than what Navient stated in the amount of {$110.00} a month which is in the attached document 1.I asked her how much would it be if I passed over the income driven payment plan when the complimentary account hold ended on XX/XX/XXXX. She stated {$86.00}. I asked her why is my bill {$110.00} per month now when it will be {$86.00} after the account hold ended in XXXX. She said that she never heard of this before. So, on account of the fact that I was in an economic hardship position where it was impossible to pay the sudden increase in monthly payment plus the {$190.00} that I owe after paying the agreed amount 12 months into a 48 month agreement ; I had zero option but to go into a two month forbearance that has a consequence of raising me monthly payment. This leads to the second issue. Some of the Navient reps that I have talked to since XXXX have called the forbearance a complimentary hold. When I called up on XX/XX/XXXX, the Navient Rep stated that interest is not being capitalized for the two months until the forbearance ends on XX/XX/XXXX. Now I see that my payments are going up to {$110.00} a month after XX/XX/XXXX. Throughout my history with Navient, they have mislead me by failing to provide necessary information to lower payments and encouraging a forbearance. They had passed over telling me vital information about income driven repayment payments and interest only payments that would of helped me when I did not have credit card bills, rent, at the same time that I had a room mate splitting the bills. In document 1, Navient stated " Please be advised that because you requested a forbearance to postpone repayment for the period XX/XX/XXXX to XX/XX/XXXX, interest also capitalized which increased your monthly payments. '' However, what Navient left out in the letter was that when I called the Navient, the representative stated astronomical figures. This included the monthly amount in the income driven payment plan.I specifically remember a similar conversation in XX/XX/XXXX. Prior to the days of the XXXX number, I would have to take a day off from work to talk to a Navient Rep. On XX/XX/XXXX, I took a day off from work and mentioned my economic hardship situation with the agent, who was obviously outsourced from a call center. One of the things that I brought up was consolidation. He stated that my loans were consolidated to the max allowed. On XX/XX/XXXX after scrupulously looking through my account, I questioned the consolidation. Their rep XXXX stated that my loans were not consolidated. Another misrepresentation by Navient led to higher payments through forbearance.. | ||||||
| 09/09/2018 | Yes |
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| Original loan was with Sallie Mae-It has since been turned over to Navient. I am contacting you in hopes that you will be able to help me resolve a very alarming concern I have with Sallie Mae/Navient. In XX/XX/XXXX I attended a University. I graduated from their XXXX program in XX/XX/XXXX and went on to obtain my XXXX XXXX in XX/XX/XXXX. While enrolled at the university the cost to attend exceeded my financial aid and government loans. According to the college they offered a new loan specifically for XXXX students but I would have to apply directly with Sallie Mae. The loan I applied for was to consist of a fixed interest rate of 6.99 %, be able to be consolidated, and/or be repaid by serving in a public service loan forgiveness area. I was advised by Sallie Mae that any payment made early prior to the XX/XX/XXXX start of repayment date was to go directly to principal if documented along with the mailed check. No late fees were to be charged until after the XX/XX/XXXX start date if they occurred. My account history shows I was charged a late fee less than two years after taking out the loan. Through the years I have documented on the payment attachment and even sent correspondence letters that my over payments were to be applied to principal yet none were. I was told by Sallie Mae years after having the loan that even with correspondence letters mailed with over payments they would not apply over payments to principal. After being approved for this loan and receiving all my documentations I noticed it was not the XXXX loan but a tuition answer loan with variable interest rates. I immediately contacted Sallie Mae and was informed I didnt qualify for the XXXX loan only the Tuition Answer and it could not be changed. I have requested multiple times to have the original promissory note mailed for my record but I have never received that documentation. If Sallie Mae had been transparent with their loaning process I NEVER would have agreed to a loan with the terms I have. I feel very strongly this is a company that has taken advantage of young college students. The loan amount on XX/XX/XXXX was approved for XXXX. As of XX/XX/XXXX I have paid Sallie Mae/Navient a total of XXXX and according to their records I still have an unpaid principal amount of XXXX and an unpaid interest balance of XXXX for a total Balance of XXXX without any further accrued interest or variations in my interest rate. The interest rate has varied from 9.25-14.5 %. I have contacted them on various occasions to refinance at a fixed rate and get an explanation on the varying rates I was even told during one conversation that they could raise my interest rate to 16.9 %. Not one time was I ever approved, assisted in refinancing or given any explanation on the varying interest rates. I have tried everything possible to get out from underneath such a horrible company. I have tried to take out a loan to cover the total, consolidate, refinance, and get approved for the public service loan forgiveness. I dedicated the first 6 years of my career to an under served area and was awarded the XXXX loan repayment program. When I contacted Sallie Mae/Navient for the documentation I needed to use the XXXX loan repayment program I was told if I submitted my Tuition Answer Loan the XXXX application would be denied and my entire application cancelled. I chose to work in an underserved area for pay far below the national standard with the benefit of being able to reduce the burden of my student loan debt. I was forced to leave that job to seek employment at a higher rate in attempt to get rid of the financial burden Sallie Mae/Navient has caused. I know I am not alone in this scenario. My documentation for my account is still under my maiden name. I have attempted for years to have them change it to my married name. I have requested the name change via phone, fax, and written correspondence. The name change is not a concern I have but I hope it proves to you that I am speaking the truth about this company blatantly refusing to help me every step of the way since taking out this loan. I legally changed my name shortly after taking out the loan in XX/XX/XXXX. At this point I feel I have more than covered the amount that was given to me and the remaining balance be forgiven in entirety. I truly hope you can help me resolve this issue. I hope that by taking a stand against this company it may reduce the likelihood they continue with their poor business practices. | ||||||
| 09/13/2017 | Yes |
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| This is another complaint against Navient, unfortunately. I will start with the first case, and recap how poorly the second one was handled. I have had nothing but problems with this company since my loans was transferred to them sometime in XXXX. My loans should have been in deferment last year, and I sent in the proper paperwork, would get confirmation of deferment, then a week or so later get an email saying I was delinquent on my accounts. Navient and I went back and forth like this for months throughout XXXX. Finally, I stopped calling and refused to pay. They reported up to 120 days late for the 5 loans that I have with them. Finally, I called in late XXXX to try to work something out as my credit scores had dropped more than XXXX points across the board. It was that call that lead to the debacle I will write about later. In checking the 3 main credit reporting bureaus in XXXX, I noticed an error by XXXX XXXX, which was also contributing to my lowered credit scores. I finally got all of that taken care off a few weeks ago. I also stopped the bleeding with Navient by getting a deferment until XXXX XXXX. My credit scores improved over this summer in some cases by more than XXXX pts. However, I was shocked by the fact that XXXX, which has always been my highest score actually went DOWN initially. When it did rise, it did not as much as XXXX and XXXX. This was very odd. I recently checked my credit reports to find that Navient is reporting not five, but EIGHT student loans on my XXXX account. They are double reporting XXXX loans, with slightly different account numbers and balances, but it is easy to tell which loans they are double reporting. And for all 8 loans, I am being dinged with 120 days late!!! I have disputed ALL 8 with a message saying that Navient is double reporting loans, which has to be illegal, and that I would file another complaint against them here. XXXX Summary of I recently went through with them this summer : After agreeing to cancel a {$3000.00} + payment, they went ahead and processed it. My checking account ended up being nearly - {$200.00} the weekend before XXXX XXXX. I could not even pay my rent. I contacted them repeatedly, but got no help. They blocked me from contacting their XXXX page. After coming here to file a complaint, someone named XXXX reached out from their customer advocacy department. Our phone conversation did not go well. She sent me an email to say that Navient would basically do me a favor by expediting the transfer of electronic funds back to my account, but then also send me a paper check, which I would have to return. It mad no sense, then again, NAVIENT makes not sense! What they did was transfer the money to my account twice, which meant that I had to go out of my way to get the money back to them. By the time we go to this part, the case had been transferred to someone name XXXX. XXXX contacted me frequently so long as Navient needed me to get that money back to them. She called frequently, she emailed frequently, and she was quite cordial. After I had paid to return money to Navient after the had caused me significant stress and inconvenience I heard absolutely nothing from XXXX or XXXX. They did not respond to my emails or phone calls. I was requesting that in return for the duress their mistake had caused me and the time it took to get it resolved, that they would advocate for Navient removing the negative information from my credit reports. I asked for this one-time favor since they were put there under dubious circumstances in the first place. I highlighted the credit score impact of that, as well as the difficulties I had when my checking account was nearly - {$200.00} at a time when I would have liked to travel for the holiday, my rent was due, and I was caused unnecessary stress at a time when I was nursing a severely ill pet. I got crickets from them! Nothing! I think there is enough information out there to suggest that this company is engaging in some illegal practices. Additionally, the way they treat customers is just awful. I have had to call up creditor after creditor to explain things to them because of how my XXXX XXXX has been impacted. This company seems to be interested in you when they need to get something from you, even when you have to spend time and money correcting THEIR mistake. But even when it is time for them to reciprocate even a basic interest in customers, they can not do this. They really should not be in business. | ||||||
| 06/29/2018 | Yes |
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| 1. NAVIENT HID INFORMATION FROM US that we needed to lower payments SO THAT THEY COULD MAKE MORE PROFIT. They failed to tell me about affordable repayment programs available to me. 2. NAVIENT LIED TO US ABOUT INTEREST ACCRUAL. 3. NAVIENT LIED BY DIRECTING US TOWARD FORBEARANCE TO MAKE PROFIT. 4. NAVIENT NEGLECTED TO PROPERLY SEND ME FORMS I NEEDED TO KEEP MY LOAN MANAGABLE, SO THAT THEY COULD PROFIT. 5. NAVIENT disregarded the type of school I went to, similar to offering a sub-prime mortgage, and that an art degree from XXXX XXXX was going to make it very difficult for me to repay. *THESE ARE JUST THE FRAUDULENT THINGS NAVIENT DID THAT I DISCOVERED THIS YEAR because the reps told me a different story this year. There may be other ways they deceived me that I don't know. I went to school from XX/XX/XXXX to XX/XX/XXXX, and graduated with student loans, both subsidized and unsubsidized government loans. I tried to pay some interest while I was in school, and tried to make payments when I could. My mom helped me, but now she's on XXXX and can't help, and I have consistently made very low income, for example last year was XXXX, and my first paycheck from my new job was {$100.00}. I have an art degree from XXXX University in Iowa, and the only jobs I can get are in coffee shops and restaurants. I also have XXXX and XXXX XXXX which saps energy, so it is a challenge for me. The big problem with Navient, is that EVERY YEAR my mom and I have called them and worked with them and wanted to make sure that we were doing the right thing and not accruing more debt, and each time we were told they would put me in Forbearance and no more interest would accrue. I would even ask if the amount I would owe would be the same at the end of the forbearance and they said yes. EVERY SINGLE representative would direct me toward forbearance. They would sometimes send me a form, but many times I did not receive it. But they assured me I was keeping the same balance. Suddenly, this year, when my mom called, she mentioned that we usually do forebearance because we can't afford for the loan to grow, and in phone calls on XX/XX/XXXXwith representative XXXX, and XX/XX/XXXX with XXXX, and XX/XX/XXXX with XXXX XXXX, all of a sudden they were telling us no no no, forbearance means you accrue interest daily. My mom told them we were always assured this was the safe way to go, and the answer from all three of these reps was along the lines of, " Well I don't know who told you that, '' and " Well I can't speak for other representatives in the past, '' but would not share any info about these past calls with my mom. I called onXX/XX/XXXX and asked for the transcripts of these calls where the reps lied to us and directed us into forbearance instead of Income Driven repayment which they did not tell us about until THIS YEAR, and they said they could not look back or share any information with me about what I had been told in the past. The rep last year assured me that I owed {$44000.00} and that at the end of one year, I would still only owe {$44000.00}. INSTEAD, I received a threatening letter saying they were going to report me as delinquent, an increase in interest, and a new balance of {$49000.00}. So basically they LIED to me for years, PUSHED me into forbearance, and now, as XXXX continue to make poverty level wages and am on Medicaid, they are telling me that my interest is accruing daily and I owe {$6000.00} + more to them. This is fraud, it is deceitful, it is preying on the weakest, and least able to pay, plus, I stayed in close contact with them, my mom paid when she could, and I was trying NOT to do anything illegal or below board. However, I believe that they did. To reiterate : NAVIENT HID INFORMATION FROM US that we needed to lower payments SO THAT THEY COULD MAKE MORE PROFIT. They failed to tell me about affordable repayment programs available to me. NAVIENT LIED TO US ABOUT INTEREST ACCRUAL. NAVIENT LIED BY DIRECTING US TOWARD FORBEARANCE TO MAKE PROFIT. NAVIENT NEGLECTED TO PROPERLY SEND ME FORMS I NEEDED TO KEEP MY LOAN MANAGABLE, SO THAT THEY COULD PROFIT. NAVIENT disregarded the type of school I went to, similar to offering a sub-prime mortgage, and that an art degree from XXXX XXXX was going to make it very difficult for me to repay. THESE ARE JUST THE FRAUDULENT THINGS NAVIENT DID THAT I DISCOVERED THIS YEAR because the reps told me a different story this year. There may be other ways they deceived me that I don't know. | ||||||
| 08/15/2023 | Yes |
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Web | Servicemember |
| The text below was also printed on paper and sent via postal Certified Mail Number XXXX XXXX XXXX XXXX XXXX RE : Navient Account No. XXXX NOTICE OF DISPUTE, NOT SEEKING VERIFICATION Non-Negotiable Thank you for the statement of XX/XX/2023 that your institution recently sent me expecting payment for an alleged debt. Your claim is disputed under 15 USC 1692 et seq. Please furnish me with the following information : 1. Evidence that Navient Corp. has used its own capital, funds, money or money equivalents to pay for any charges on the alleged account. 2. Evidence that banks ' funds, other than consumer 's notes, were used to pay for charges on the alleged account, proving that Navient Corp. did not receive " something-for-nothing ''. 3. Evidence that Navient Corp. disclosed the above information in their agreement prior to soliciting applicant to become bound by it. 4. Evidence how Navient Corp. has complied with federal statutes directly or indirectly ( as stated herein ), thereby avoiding the use of false, deceptive or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, which constitutes fraud. 5. Evidence that due to the securitization of the initial outstanding balances of the alleged account, Navient Corp. is a holder in due course and therefore can incur a loss or make a valid claim. See : https : XXXX XXXX. Evidence that when accounts are overdue, Navient Corp.. does not receive a payoff of the amount due from insurance, whose premiums were unknowingly funded by the so-called borrower. XXXX. A complete statement of damages, including each and every loss that Navient XXXX. incurred under the alleged agreement. 8. A copy of any insurance claim having been made by Navient Corp. regarding this account. 9. A front and back, true and correct copy of the alleged signed agreement bearing my signature. This is for full and complete disclosure, which is required to demonstrate validity under globally accepted contract law. 10. A true and correct copy of the transfer instrument that was used to transfer the initial outstanding balances from this alleged account into the Special Purpose Entity ( SPE ) trust, as described on the FDIC website. 11. The name, address and telephone number of Navient Corp.s CPA auditor. 12. Verification that this alleged debt has been or has not been assigned or sold to a third party. If you can not verify this debt by the above listed means, then please cease and desist. The Fair Debt Collection Practices Act 15 USC 1692, requires you to validate and verify this debt. Are you committing mail fraud? " Fraud vitiates the most solemn Contracts, documents and even judgments '' [ U.S. vs. Throckmorton, 98 US 61, at pg. 65 ] I demand that you report this Notice of Dispute to the three major credit bureaus immediately. You are required by law to do so. See 15 USC, section 1681s-2 ( b ) ( C ). If any negative mark is found or continues to report on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. In order to settle this matter, please sign or have an authorized officer sign the enclosed affidavit, confirming that you have read the agreement, that you understand XXXX, the bookkeeping entries, accounts receivables and deposits, the banking laws, and the Federal Reserve banks policies and procedures. Failure to verify and validate the debt within thirty ( 30 ) days by signing the enclosed affidavit confirms that no further action will be taken and an absolute waiver of any right to collect the alleged debt. Furthermore all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. This notice also constitutes a Notice to Cease Telephonic Communications. Non-compliance with this request will violate the Telephone Consumer Protection Act 47 USC 227. NOTICE THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT. Notice to the Principal is Notice to the Agent, and Notice to the Agent is Notice to the Principal. | ||||||
| 11/27/2018 | Yes |
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| 1 ) Navient provides misleading information to customers about their payments. Every time I made an overpayment, a pop up box would prompt me to indicate how I would like my payment applied. The pop up box was misleading. It said something like " would you like to not have another payment until [ due date approximately two months ahead ] or would you like your payment due on [ next regular due date ]. '' I no longer have an account with them, so I can't exactly recreate the prompt, but it really made it seem like there is a huge advantage to having your payment be due farther in the future. And no advantage to just paying extra and then having your bill come due again right away. The prompt doesn't even include the word principal. And the prompt certainly doesn't indicate that by applying an overpayment to the PRINCIPAL, you will reduce the overall amount of interest that you pay over the course of the loan. This prompt appears to be designed in a self-serving fashion to guide borrowers to continue paying the highest amount of interest, rather than paying down the principal to reduce interest in the future. Other loans I have use a simple radio dial to indicate if you want your overpayment applied to the principal or to cover the next payment. The word principal is always used. This is a balanced and informative choice. Do you want to pay down the principal or do you want to pay ahead on your next regular payment? Every mortgage servicer I have worked with ( several! ) automatically applies overpayments to the principal unless you indicate otherwise. This is standard practice because most people want to pay their loans off faster if possible to avoid paying more interest in the long run. I'm deeply concerned that Navient works with many first-time borrowers who are not experienced with loan payments, and their prompt is worded in a way that is counterintuitive and makes it seem like there is no advantage to paying more now and just having another payment due right away. Of course paying down the principal is a big advantage and all borrowers need to know what principal is, and if they don't know use the word anyway so they will look it up and find out. When I took out a mortgage at age XXXX, I needed to learn about principal. My mortgage lender did not mislead me. They made it clear that if I pay down the principal, my loan will end sooner and I will pay less interest in the long run. A student loan servicer that students are forced to deal with for their federal student loans should be MORE helpful and transparent than a run-of-the-mill mortgage servicer. Not less. I think it's unacceptable that federal student loans are still being processed by Navient considering all the many many many problems they have. 2 ) I also had a lot of trouble getting Navient to disclose how much interest I was being charged each period ( again, something that has been clear as day with every other loan servicer I have ever worked with ). Navient 's interface just shows your balance, what your last payment was, and what the next payment due is. Even after calling their customer service and emailing, it took multiple contacts before anyone could point me to my actual monthly statement which was buried in a nearly impossible to find series of links within links within strangely-labeled links. The process was something like, click on account info, then FAQ, then communications, then summary, then... and eventually somewhere in there the monthly statements can be found. Again, in the interest of transparency, there should be a clearly labeled link called " monthly statements '' or alternatively under documents, the first thing listed should be " monthly statements. '' Burying the monthly statements makes no sense. 3 ) As a final note, when I found a way to refinance my student loans for the exclusive purpose of changing loan servicers, it was difficult to get my loan payoff document. Again, it was buried and required multiple contacts to get my bank the right document. Again, under documents, the last link on the list should be " loan payoff letter '' and it should be easily accessible so that people can escape Navient. It took so long to obtain a loan payoff letter from Navient that my refi application nearly expired before I was able to finalize the new loan. Congress needs to take responsibility for working with a very poor loan servicer and forcing potentially inexperienced borrowers to navigate Navient 's deceptive practices. | ||||||
| 03/19/2019 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX, I checked my student loan status with Navient. At this time, I was in my second year of a Chapter XXXX bankruptcy and wanted to know where I stood. When I checked the loan status, I was surprised to learn that my loan balances indicated " Paid in Full '' status and that I had no payments due. There was no reason why listed, so I assumed that the loans had been forgiven under some Federal Program that I was not aware of. I checked my credit reports at this time also and saw that they, too, reflected that my loans had been paid in full and nothing was due. In XX/XX/XXXX, I became unemployed and my financial circumstances made it impossible to continue making my Chapter XXXX payments, so the bankruptcy was converted to a Chapter XXXX and discharged. My student loans were still showing as paid in full, so I felt very blessed. In XX/XX/XXXX, months after the bankruptcy had been discharged, I received a notification from Navient that my loans had been " repurchased '' and the balance they presented me with was over {$16000.00} higher than it was previously. The notice stated that I now owed {$110000.00} and that the payments would be in excess of {$800.00} / month. Mind you, I had just became re-employed in XX/XX/XXXX after a period of approximately 7 months being unemployed. The job I took in XX/XX/XXXX does not pay enough that I can afford a payment this high and I was still recovering from months of unemployment. I contacted Navient and requested a forbearance for a few months until I could configure my finances in some way that I could maybe make a lesser payment. Navient did not even respond to my request. Since it is impossible in my present financial state to make these payments, I have been trying to work something out with Navient to prevent worsening of my situation. They have been non responsive to my continued requests for forbearance until I can figure something out and at the time I am writing this, I am behind several months - creating even more issues. In my current employment, I am grossly underemployed. I make a less than half of what I was making in XX/XX/XXXX-XX/XX/XXXX when I was actively repaying the loans. In fact, I made approximately {$28000.00} in payments which are NOT BEING REFLECTED in my current loan history. This further proves my point that the loans were, in fact, cleared - along with any of my old history. This " repurchased '' loan shows NO HISTORY before XX/XX/XXXX. I have been questioning this with Navient for the past five months and they still will not provide an answer as to where my payment history has gone. As I said, I am now several months behind and to further complicate things, Navient has now reported my to the credit bureaus as delinquent - causing a 141 point drop in my struggling to be rebuilt credit score. This drop will have financial implications on me for everything - even potentially impacting my ability to get a better job or some form of assistance to help unbury me from my present situation. I should mention that I am presently XXXX years-old and my under-employed condition remains. I was XXXX XXXX military when I earned my first degree and was forced to defer payments due to my income at that time. Since then, I have only had one position that paid enough to allow me to make student loan payments. I have had to defer for economic hardship for some time. The current balances show that on my original balance of {$66000.00} there has now been an accrual of interest ( from legal and approved " relief '' programs ) in the amount of {$51000.00} - almost equivalent to my principal amounts. I need help. The " income sensitive '' options do not take into consideration one 's NET income or other life expenses. I drive an 11-year-old car and live in an apartment because I can not afford to own a home. I continue to seek " appropriate employment '' for a person of my education and experience, but this area is significantly repressed and I consider myself fortunate to have what I have, but making these payments is impossible for me. I have documentation to show that my loans were indicated as paid in full and I did not expect them the mysteriously " re-appear '' at a time when I am recovering from unemployment and under-employed. I communicate with Navient via writing only because I do not trust anything I can not prove by hard-copy given what has happened to me thus far. I desperately need the assistance and guidance of the CFPB. | ||||||
| 09/28/2018 | Yes |
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| My mother had consigned two private student loans for me while I was attending XXXX College from XX/XX/XXXX to XX/XX/XXXX. I didn't foresee any hardships that I would come across in the near future. My mom is XXXX XXXX and is a senior citizen. Had I known what I know now, I would have never allow her to co-sign for any of my loans. For two years, they had us convinced that they could take money from her checking account to pay for the two XXXX XXXX private student loans that I had taken out. Those payments were being withdrawn automatically from her social security which is her only source of income. Once, I found out through several sources that legally Navient wasnt allow to do this especially since my mom is XXXX and a senior, I requested that they stop taking withdrawing those payments from her account. Also, her medical bills are 200 percent higher ever since she had XXXX XXXX last year and this year. This does not include her medical expenses for XXXX XXXX XXXX and other prescription medications she needs. In XX/XX/XXXX, after my moms last follow-up with her XXXX XXXX, I decided to cancelled the autopay on her checking account. We received a letter dated XX/XX/XXXX stating that the autopay had been removed. Next, because, Im not able to pay the full amount due each month, I decided to pay {$10.00} a month on each of the XXXX XXXX loans until I could afford to pay more in the future. Currently, I have several Federal loans in default under Navient which are Loan Rehabilitation. Im paying two different collection agencies {$5.00} a month based on my income. My income is actually more than my moms but they are harassing her for payment simply because she co-signed the loan irregardless that she is permanently XXXX and a senior. It is a struggle trying to get to the point where I can pay the full amount due for both XXXX XXXX loans, I do not have the funds right now! Yet, they keep harassing my mom by making severals calls a day. This week alone they made a total of fifteen calls from Monday through Thursday : Monday, XX/XX/XXXX : 2 calls Tuesday, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Wednesday, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX Thursday, XX/XX/XXXX : XXXX, XXXX ( and two more after I spoke with XXXX XXXX who claim she is one of the Manager at Navient. This was even after several phone calls along with this one that Ive told them to stop calling my mom. ) The phone calls began once when the autopay ended. We could not come up with the funds quick enough for them. Even on Tuesday, XX/XX/XXXX, I spoke with one of the customer service reps to make payment arrangements. I told her I could only make {$10.00} a month payments on both XXXX XXXX Loans until my financial situation improved. She agreed to this arrangement and I got an email from the XXXX. This is what was written in the email : XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX ( 7 days ago ) to XXXX Dear XXXX, Thank you for scheduling your payments. The confirmation number ( s ) are listed below : Confirmation number XXXX for {$20.00} on XX/XX/XXXX. Thanks for your payment ( s )! Sincerely, XXXX XXXX Navient For me, this meant Navient agreed to this payment arrangement. Yet they are still harassing my mother. As of to date, this payment has not been applied to the XXXX XXXX loan, even though the payment has already posted to my checking account. Ive talk to these different employees at Navient : XXXX XXXX, Manager XXXX XXXX ( She would not give me her last name! ) XXXX XXXX XXXX Anonymous : who felt it was her right to call my mother repeatedly throughout the day as long as there is a balance due on my student loans. She was even adamant and claim that the FDCPA violation below was not the correct information. All of them basically said that they can call my mother as often as they want for payment because she cosigned the loan. It doesnt matter if she is permanently XXXX and a senior citizen. So they basically all said the same thing, they can keep calling her regardless even when XXXX of the FDCPA violations state otherwise. Typical FDCPA Violations : XXXX XXXX XXXX Call you repeatedly. A call a week is OK. More than one call a week is harassment. Certainly more than one call in the same day is an abuse, particularly if you hang up and the collector calls right back. And frankly, even the XXXX a month I agreed to pay does not mean anything even as they took the payment and not applied it to the two XXXX XXXX loans. | ||||||
| 02/08/2019 | Yes |
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| In XXXX my son graduated from high school & was recommended to XXXX College of XXXX by his teacher at his high school. He was accepted into the College. I set out to find out about the student loans ( at that time, Sallie Mae ) that were available. From learning that most people going to college were going to Sallie Mae for their student loans. I only needed help with his tuition as I could handle his other expenses : room & board, books, etc. The tuition was {$30000.00}. a year ( {$15000.00} each semester ) ( X ) five ( 5 ) years. He proudly graduated from XXXX College of XXXX with a degree in XXXX XXXXXXXX & XXXX XXXX in XX/XX/XXXX. At that time, I understood that once he was done that we could refinance/consolidate all of the loans into one with a fixed loan & payment. We knew that it would take time to pay back but were both willing to make this happen. However, we were never given a copy of the loan agreements. I asked constantly. They never came in the mail. Needless to say, we were not aware that they would be private loans therefore not being able to refinance them at all. All of the loans are adjustable rates. I started paying interest on the loans from the beginning to help with the overall expense. I would make payments from {$200.00}. to {$750.00}. @ month. I know their interest was not that high but the rate is not reflected on the documentation I was able to print from Navient web site for each loan. None of the numbers make sense & literally 15 years later of payments and the principal balances are higher than the original loan. It has become very clear to my son & I that we will " never '' be able to pay off these loans and there is something seriously wrong with the numbers on the documentation. None of it makes sense. I don't know how they can keep adding thousands of dollars of interest & fees to these loans. The payments started at approximately $ 700.+ a month. The payments now are approx $ 1300.00+ @ month. We call at least once a year looking for help. Navient ( Sallie Mae apparently sold the loans to Navient ) says, " we can give you forbearance '', which is just increasing the interest & paying nothing on the principal and it appears they just tack on more fees. How does this help? I recently called again & they agreed to a " rate reduction plan '' for six ( 6 ) months. Now the " reduced '' payments are {$730.00} @ month which helps but will not last long and nothing is going to principal & it's not even paying the monthly interest in full now. I'm VERY concerned because I am now XXXX yrs old & single, my son is now XXXX years old & married with a 2 yr old son & they are having a XXXX XXXX at the end of XXXX. I have spent all of my retirement monies on these loans and still am paying a portion each month. There is no way they will ever be able to buy a home for their family with this extreme burden and I'm not going to be able to keep helping pay these loans. We are greatly concerned about our financial future. I also just found out when I was trying to refinance my house to put me in a better position, that Navient put 60 day lates against my credit & dropped my credit score by 150 points. Now I can't refinance. I pray that you can help us! This is a complete injustice to the American people. I know that we are not the only ones that are affected like this. This has to be stopped. We certainly never went into this thinking that we wouldn't pay. We want to pay our bills & do but when a company is stealing from us, how do we stop it? I have documentation that reflects these payments, all going to interest on only ( 1 ) loan and the principal actually increasing. There are repayment fees for thousands of dollars. On each loan there is capitalized interest for thousands. After he graduated, they allowed 6 mos forbearance, which we discovered later just allowed the interest to grow. This was the same time that the mortgage/real estate world came crashing down, which is my occupation and the music world was crashing too. My son went to XXXX for his XXXX with XXXX XXXX & discovered there were no jobs available in the XXXX world. I ended up having to file BK & did not know that I had a choice of bankrupting against the student loans ( because they were private ), so I didn't. Long story longer ... we have made our payments ( I am the co-signor on my son 's student loans, which we were told was the only way he could get the student loans ). Please help us. | ||||||
| 07/17/2017 | Yes |
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| I would like to submit a complaint about the University XXXX XXXX ( XXXX ). I was enrolled in classes there from years XX/XX/XXXX to XX/XX/XXXX . At the time I was enrolled, I was recently separated from my husband. I was desperate to be able to provide for my family on my own. I was looking for a better future for me and my children. Being a single mother of XXXX , I decided that taking classes online would be a good option for me. I met with an enrollment counselor at the XXXX and was enrolled very quickly that same day. She told me not to worry too much about the financial side because I was a single mother and would get a lot of Pell grants to cover the costs. She took me to the computer in their office and we immediately began the enrolment process. The enrollment counselor even took me step by step through the student loan application in order to advise me which options to select. They took care of everything and I was surprised how easy everything was. I was advised to take out the full amount I could ask for on the loans. At no time did the enrollment counselor discuss the earning potential of the degree I was seeking verses the overall cost of the classes. A XXXX XXXX is estimated to make approximately $ 30-38,000 a year in XXXX XXXX Utah . By the time I fully understood what it was going to cost to get my degree from XXXX , I was too far into the program to back out. I decided to finish my degree at the XXXX because of the ability to transfer my credits were poor. I now have a XXXX degree in XXXX XXXX XXXX for the University XXXX XXXX , however, due to the lack of an appropriate practicum supervision and practicum experience ( practicum was not offered in the XXXX courses at the XXXX ) I am unable to find a better paying job. Accredited Universities offer practicum experiences as they understand in the field of XXXX XXXX it is difficult to get hired into your position if you do not have some experience in the field. I needed to receive this valuable practical experience under the XXXX XXXX XXXX XXXX XXXX professional. I was unaware how important practical experience would be in this field until I was not able to get hired. My earning potential is nowhere near what I would need to ever pay back these loans. Due to the lack of experience, I was unable to find a job. Employers did not want to hire someone who lacked the experience and was unable to obtain licensure. I currently owe {$79000.00} in student loans. I am on an income based repayment plan where it has been determined that I do not make enough to make a monthly payment due to my low income. I have received a total interest of {$22000.00} the last nine years. I am not able to pay the interest charges and my loan increases by thousands of dollars per year. I need help because these loans make it difficult to further my education and increase my earning potential. It makes it difficult for me to purchase a home for my children. It has made it difficult to purchase a vehicle. My opportunity to have a better life has turned into a financial prison that I can not escape. I have contacted XXXX several times trying to make sense of the loans. During these calls I have had to request a student loan leger several times before they finally sent me one stating that they had no records of me calling. I believe that the ledger they sent me is not in its entirety and I am unable to make sense of it. I called XXXX financial department where they informed me that they would be unable to help me. When I asked if there was someone in their local office I could meet with I was informed that there was no one I could meet with in person to address my financial concerns. I believe that I was extremely mislead and misinformed by XXXX . They took advantage of me while I was in a vulnerable position. I had no reason not to trust that what they were telling me was accurate. I was not informed of all my options and the quick enrollment left little time to gain a better understanding. Enrollment was their main goal even if it left me in a worse financial state than when I started. The cost of the program is extremely high and the education I received was lacking what I needed to be successful in the XXXX XXXX field. Instead of helping me to overcome poverty, The XXXX compounded it. I am stuck with several loans with no way to pay them back. Please help. | ||||||
| 11/04/2019 | Yes |
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| Back in XXXX, my wife and I were expecting our XXXX XXXX and we moved from XXXX to XXXX back in XX/XX/XXXX to prepare for the baby. XXXX was a tough year financially, I was paying extensive medical bills for 5 XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX, and my wife was not working because she was XXXX. She was a XXXX XXXX but decided to XXXX full time, so she was not getting paid for maternity leave. I had just completed XXXX school, so I knew I had to start paying back my student loans asap. A friend of mine told me about this company called XXXX XXXX XXXX. His wife was a XXXX as well and told us that they found a company that was able to get their monthly payments down due to financial hardships. They entered a Student Loan Forgiveness Program, where if you owe $ XXXX or more in federal student loans, the DOE and Federal Govt have income based benefit programs where a large sum of our debt would be forgiven. The number I was given to call was XXXX XXXX @ XXXX. I was skeptical of the whole thing so did some online research and also had friends using them so I thought they were legitimate. XXXX XXXX XXXXXXXX I called XXXX that month ( roughly XXXX of XXXX ) to see if my wife and I could get approved. We mentioned to them that my wife and I were dealing with minimal income, paying off medical bills and preparing for our child, and noted that we could not exceed {$200.00} per month on student loan payments. My agent assigned to my account was XXXX XXXX, and I had to give her all of my information including monthly income, household size, etc. I was advised that I was approved to pay $ XXXX/mo for 240 months. As long as I make all my payments in the 240 months, the remainder of my debt would be forgiven. I received an email from XXXX XXXX XXXX on XX/XX/XXXX that I have completed my consolidation and my new servicer was Navient.The catch was we had to pay XXXX XXXX XXXX a monthly fee for using their services, where they explained it was to ensure we kept the lowest monthly payments each year. I was under the impression that as long as I pay $ XXXX/mo to Navient for 240 months, the remainder of my debt would be forgiven. In the meantime, I had to pay several months of installment fees to XXXX XXXX XXXX, as well as {$40.00} a month until the contract was up. Fast forward a year, I was contacted by XXXX XXXX XXXX to renew my financials for next years monthly payments. I submitted all of my documents to them on time and noticed on Navient.com that my monthly payments went from $ XXXX/mo to over {$1200.00} per month! Obviously I could not afford this, and called Navient immediately. They explained this is because I have not renewed my contract, once I did, they estimated my payments could be anywhere from $ XXXX {$800.00} per month. Given the fact that nothing had changed on my end financiually, I was shocked to learn that my payments would go up by over {$1000.00} per month. I asked the Naivent rep to tell me what my previous application listed, since payments were so low last year. She said that I listed I was single, lived in XXXX and made only $ XXXX per year with 5 dependents. No wonder why my payments were so low XXXX XXXX XXXX must have falsified my records, in order to get me to do business with them and continue to pay them. I have been called XXXX XXXX XXXX and emailing them for months, now their phone number says the following : " The operations of this business have been temporary suspended. On XX/XX/XXXX the Consumer Financial Protection Bureau and state of MN filed a complaint and the US District Court issued a temporary restraining order. '' The receiver gave a website to find periodic updates on the matter, which is XXXX. The only reason I worked with them was because they found me a way to pay under {$200.00} per month, and also with the agreement that after 240 months of paying this amount, the remainder of my debt would be forgiven. Now, after 1 yr of paying both XXXX XXXX XXXX and Navient, my total debt owed has gone up several thousand dollars! How can that be?? I made an agreement to pay a certain amount of money with the collective understanding the remainder of the debt would be forgiven. This is all showing to be false and now I have to file for forbearance in order to get this back under control. My wife and I both have lost a lot of money and now are in danger being that neither of us can afford what Navient is asking from us monthly. | ||||||
| 03/15/2022 | Yes |
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| In XXXX of XXXX, I contacted Navient to discuss options for repayment on my student loans, as I had recently graduated and exited their post-graduation grace period. When I received my first bill from Navient, it was far above what I was expecting as a monthly payment and I informed Navient that this was above what I was able to pay based on my income at the time. After talking to Navient representatives, I was informed that my cosigner 's income was included in the considerations for how much I would be able to pay under the income-based repayment plan that I was placed into. I discussed that my cosigner would not be assisting in making payments, and they suggested that I enter a cosigner release program in order to remove my cosigner and have subsequent payments adjusted to reflect my financial abilities as an individual signer. I asked about how this worked and was informed that, in order to qualify, I would have to make 12 consecutive on-time full principal and interest payments and would then be eligible to release my cosigner ( my grandmother ). I asked if this would qualify me for cosigner release and was lead to believe that it would. I weighed the options and decided to opt into the program so that I could relieve both myself and my grandmother. I got a second job, worked overtime, and lived in a house with multiple roommates so that I would be able to afford the heightened payments over the next year. I proceeded to make consistent payments for the following eleven months in the amounts of {$720.00} for the months of XXXX, XXXX, and XXXX of XXXX, {$720.00} in XXXX, {$720.00} in XXXX, XXXX and XXXX, {$720.00} in XXXX, {$700.00} in XXXX, and {$700.00} in XXXX. During the month of XXXX, I knew that I would soon be eligible for the cosigner release, so I called to discuss how I would continue with this process. When I called, I was informed that I was never placed into the cosigner release program upon my request, and that all of my previous payments would not count toward my qualification. Additionally, I was informed that because of the nature of my loans, I would not be eligible for cosigner release at any point, regardless of if I qualified through consistent monthly payments. This was not what I had discussed previously, and the misinformation created profound hardship for me during these times. I was unable to purchase a vehicle or make consistent payments on my credit card, which forced that account into collections and greatly impacted my credit score up until this last year, when I was finally able to rectify the account. This created profound stress for my grandmother as well, who stalled on selling her home, purchasing a vehicle, and other necessities in the hopes of having more credit opportunities following the removal of the account from her name. After receiving this information, I attempted to enter my account into a rate-reduction program, but I was informed that in order to do so, I would need to have past-due payments recorded on my account to qualify. I was advised by Navient to allow my account to enter forbearance briefly in order to qualify for the program to receive payment options that were more reasonable for my income level ( I made {$28000.00} before taxes annually at the time ). I proceeded to do so and was assessed late fees and further negative impact to my credit that still affects my ability to apply for refinancing options to this day. Additionally, despite all of the payments that I made with principal and interest, the principal on my loans has gone down a total of {$300.00} since I began making payments in XXXX, including all of the payments that my parents made on the loan while I was still attending college. I have made consistent payments throughout my time with Navient, and they still have not given me any options for reducing my interest, adjusting my cosigner terms, or qualifying for assistance of any kind to aid with the massive impact that student loan interest has had on my entire adult life. Any time that I have reached out to Navient to address these concerns, I am met with conflicting responses from various representatives, and I am continually misled or misinformed about various processes for managing my student loans. I know that I am not alone in this experience with Navient, and I am looking for options to rectify the situation as it continues to impact my ability to restructure my financial life in my best interest. | ||||||
| 03/15/2021 | Yes |
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| Hello, Towards the beginning of the pandemic when the CARES Act was implemented I received notice in my email that my loans were set to 0 % interest and on hold. Like many people, though, I was not aware that that didn't apply to FFELP loans, which I didn't know were distinct from Federal Loans - they were always referred to as XXXX XXXXXXXX XXXX so I assumed references to federal loans included this loan. It wasn't until I started getting aggressive collection calls from Navient that I learned that my old loan slipped through the federal relief cracks and that I was significantly delinquent with them. I hadn't lost my job or anything but my situation is potentially precarious so I was counting on having the benefit of the Cares Act to be able to save my money instead. I'm living in XXXX on a temporary work visa tied to my current job - should I lose my job I'll have to move out of the country immediately. At that time I perused the website looking for the various relief options. They only allowed very short term deferment requiring ample documentation ( and my situation wouldn't have been accepted according to their survey ), IDR/IBR ( I wouldn't have been able to get a lower payment anyway ), or forbearance. XXXX XXXX XXXX was listed at the very bottom of the website 's options but all they had to say about it was that it would combine all loan payments into one payment - nothing about how it would make the XXXX the owners of my loan and thus eligible for federal COVID relief. I sent an email for help to which I received the attached response ( they don't accept regular emails - you have to use their help contact form and you receive a response attached in an image file or PDF that you can't reply directly to - the emails I'm attaching are those responses ). As you can see, they never suggested consolidation as an option. I decided to bite the bullet and just pay up when I could. It was only a few days ago when researching student loan forums about the issue of potential loan forgiveness and what would be done with FFELP loans that I learned that I could have easily converted my loan to a direct federal loan at the beginning of the pandemic and I wouldn't have had to be paying anything all year and I wouldn't have been accruing any interest. Needless to say, I was extremely angry that Navient got ahold of money that could end up being vital for me if the worst case scenario happens ( not to mention that I could just have taken that money that I would have been holding back and paid a large lump sum to the principal before the payment/interest freeze finally expires instead of having a bunch of it go towards interest ). It's clear they're making no attempt to adequately educate their borrowers about the FFELP vs federally-held loan distinction, what our rights are, what our best interests would be, etc. Instead they choose to take advantage of the situation and the confusion to continue to extract interest and potentially push us into forbearance which will lock us into the perpetual debt cycle ( they literally sent out emails during this pandemic saying, " Reply yes to put your loan into forbearance '' which would LITERALLY put your loan into forbearance with a simple reply of " yes '' which I find to be, quite frankly, predatory behavior ). I'm attaching two PDF emails : one where I first asked for options for halting payments in my situation - you will see that consolidation was not mentioned at all. The second one is the latest response to my email complaining about their lack of information about consolidation, informing them that I had already applied for consolidation, and requesting a refund of my payments made over the last year. You'll see that the person responding doesn't seem to actually understand my email. She doesn't mention consolidation, and just proposes applying for XXXX ( clearly didn't read the part about me consolidating ... ). I've also included screenshots of their resources for halting/changing payments : their help portal as well as their little chat bot. I typed Cares Act into the chat box and the subsequent " conversation '' is what it spit out. Both resources never propose consolidation. If you do a direct query of consolidation you'll see that their response isn't really clear about what you're consolidating - you would have to know what it is to know what they're talking about and what the benefits are or to even ask for it. | ||||||
| 12/07/2020 | Yes |
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| I have currently been trying to handle an issue with Navient since the end of XXXX and a late payment that was shown regarding the account in XX/XX/XXXX. I have spoke directly with the company numerous times over the passed 2 years file a dispute originally back in XXXX once the first late payment showed. Wrote a letter explaining the conversation with the agent that stating the accounts were currently out of forbearance unbeknownst to my knowledge, I was told there shouldn't be any worry account were only showing a numbers of days passed due and that it wouldn't effect the bureau or late payment status until after 90 days. Unfortunately the way they had the accounts set up between FEDERAL XX/XX/XXXX and DEPT OF EDU loan the representative had mistakenly input the correct forbearance updates and instead place one of the loans within the incorrect month which then had a negative effect of the bureaus and did show late payment reporting. Once notified of the late payment I spoke with supervisors about the account and they informed me to file a dispute and write a letter which was completed and sent in. I was told the accounts would be place on hold until further notice of the investigations and they could extend the forbearance timeframe for me until it was resolved. I had stated that once we could get this figured out I would gladly close out account and move on. I never received updates to the accounts of their investigation from NAVIENT but did show the account had been updated to current but late payment was never removed. I had made numerous attempts to speak with agents about the payment history and of course every phone called took hours upon end and was told a supervisor would be in touch, which seemed to dragged out with no results. This resulted in the account being place in forbearances again and further investigation without results. It is now XXXX of XXXX and during the time frame and misinformation from numerous call centers reps this resulted in another late payment because they had stated I had ran out of forbearance time. I demanded a supervisor call me directly and needed to speak to someone directly about the investigation. A supervisor had called me and stated that upon phone conversation logs pulled they saw the discrepancy as to what happened with the originally late payment and had requested it be removed which they had requested, but now that there was a new late payment that was considered the XX/XX/XXXX instead of the Dept of Education that they couldn't remove this late payment even though I have called for months and explained what was going on stating that I could and would make the payments I just needed the accounts corrected so everything could report accurately. Supervisor stated that phone calls had been made numerous times a day from their automative system about being past due but I explained that I had spoke with agents about these calls and explained I was told the accounts where supposed to be place on hold while the results of the investigation took place. He stated that even though a mistake was made on there end that I should still keep up with the payment that showed passed due. As of XX/XX/XXXX its a blessing and curse at the same time, I finally got in touch was someone willing to take the time and look into everything that should have been done from the beginning. They acknowledge the mistake but said the second late payment was due to my negligence. I expressed that this all originally stems from the mistake back from XXXX and I have made numerous attempts to try and get this handle so we can close out the accounts and move forward with accurate bureaus. I was told by the supervisor that if I didn't agree with the results I could file a dispute but likely would have the same results as to what I was being told on the phone. I currently was over a XXXX credit score that doesn't miss payments and now because mistake it could impact me for the next 7- 10 years. The company has stated there was a mistake they acknowledged the attempts to get the situation handled but wont fully correct appropriately the bureaus that way I can make the payments needed to close out the accounts. please see my description as to why I'm filing this dispute. I was told this is my next option or looking into hiring a lawyer to take the next step, appreciate your time and just hoping this helps correct the accountability of the NAVIENT COMPANY. | ||||||
| 06/23/2019 | Yes |
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| I attended the XXXX XXXX of California XXXX XXXX located in XXXX XXXX California after being recruited from a XXXX XXXX campus. The sales person had no idea of my skills but found that I wanted to study XXXX and she quickly recruited me to go in for an interview at the campus. When I went to the interview I was told that I had what it took to join and be successful in the field of XXXX XXXX and that it would be beneficial for me to study there. Before I knew it I was enrolled and the beginning of my student loans had started. The cost for the school was supposed to be XXXX but at graduation it was over XXXX to this day it still remains over $ XXXX. Every quarter there were more and more loans asked for and halfway through the program I knew that there was something wrong and I was just one of many that this school had preyed on. At this point I went to a guidance counselor and she told me that if I don't continue and dropped out that my family would see me as unsuccessful and that everything in this world revolved an accredited XXXX degree. I was unhappy because the XXXX XXXX program that I signed up for was taken away and now the class of XXXX were being used to work solely on XXXX. A lot of us were not happy with that because they lied to us and switched the curriculum and now our final demo reels had to be in XXXX. Something that I was not into. In the beginning I was told that I would get job placement and will be working with XXXX XXXX. They used a lot of sales tactics to keep me in the school and when I complained about a 3d class that I had to pass and the teacher wouldn't allow me to pass I was given a " P '' simply because I said I would complain to the board. The teacher was eventually fired for allowing students to pass if they beat him in Halo on the last day of class. His name was XXXX XXXX XXXX. The school was full of untrained teachers. XXXX XXXX was teaching us a class in Shake which she was just learning along with us. I was recruited into a school that didn't care about the students it felt like and only cared about recruitment. It was a for profit school and you can tell that it was based on recruitments because students there the majority didn't have an artistic talent. The school has closed along with many other Art Institutes throughout the country and they have been sued for using predatory sales practices on students that signed up for their programs during the time that I attended. Going to that school was the worst mistake of my life. It has put me in a position where I have been paying for student loans for the past 13 years for a school that has since closed it's doors and is not accredited in anyway. Once I was out I tried to enroll in a different college only to find out that the classes I took there were not considered university or college credits, I would have to take the classes over. The school has been sued and has to forgive student loans due to their malpractice predatory sales tactics which I was a victim of. It's not fair that they did this, preyed on individuals and now closed their doors. I have struggled for years to make payments to those loans and for what, a XXXX Degree that no longer sits on my wall because it isn't worth the paper its printed on. Due to the student loans that I acquired in order to stay in school I have been in financial ruin as I have to pay every month. The loan amount now is higher than it was 13 years ago. It seems that every 6 months I have to file a forbearance or a hardship in order to keep Sallie Mae now Navient at bay. They never explained anything in full detail but always wanted me to sign new loans in order to stay enrolled. I had to resort to have my father help co-sign as well as a neighbor. They did that as favors for my future but there was no future from the teachings I received. They lied and they should be held responsible for their actions. The lawsuit forgives students like me and it's been a long time coming for me to finally take the action against these loans. I have gotten my Federal loans forgiven already due to my complaint. The United States Department of Education Borrower Defense to Loan Repayment at XXXXXXXXXXXX.XXXX referred me to your site in order to get my Private Loans forgiven as well. My form number there is OMB NO:XXXX. They have been extremely helpful and I hope that your organization will also. Any questions that you may have I am more than willing to answer. | ||||||
| 07/17/2017 | Yes |
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| I got a {$10000.00} loan with XXXX XXXX in XX/XX/XXXX , with my mom as my cosigner. I have since graduated from XXXX and have some XXXX XXXX courses complete. XXXX XXXX sold my loan to Navient at some point over the years. When I graduated college in XX/XX/XXXX , my mom, who was my cosigner for the original loan, had begun to start paying the loan. I enrolled in XXXX XXXX in XX/XX/XXXX and called XXXX to let them know that I was now enrolled in college again for a XXXX degree. I asked them if I could still make payments while in deferment and was told that if payments were made while in deferment, the amount due would be double the original payment while I was out of school. Both my mom and I called and got the same response and thought it was crazy to pay double for this loan. The original monthly repayment was {$190.00} a month and they were now asking for {$280.00} a month if my mom wanted to continue paying while I was in XXXX XXXX It seemed pretty ridiculous so she did n't pay while I was in XXXX XXXX . I recently decided to take a break from XXXX XXXX in XX/XX/XXXX . My payments with Navient were due in XX/XX/XXXX . However, this time, my mom called to pay over the phone and was told that the payments were only {$140.00} instead of the original {$190.00}. We also discovered that my initial {$10000.00} loan was split into XXXX separate accounts since the loan was split between XXXX semesters. There was also another loan on my account for {$1700.00} from XXXX that we both have no recollection of because we only got the one loan from them. The past 3 months, Navient has been calling me, my work phone, and my mom constantly all day every day asking us to pay the past due balance and bring the loans current. My mom has documentation of paying on time every month. We have been told different things by different customer service representatives each time either of us call. The first time we had this issue in XXXX , I was told that my mom needed to find a better way to pay instead of sending a check in the mail. The agent stated that it took 15-30 days for them to process a payment by check and that my mom needed to either start paying online or by phone in a rude manner. Turns out that was a big lie! My mom called the next week to pay the following month by phone and was told that her checks were received the previous month but applied to different accounts. The guy she spoke with also stated that che cks were processed as soon as they received them which was completely different from what the woman I talked to told me. Since then, both my mom and I both have been getting calls all day every day asking for payment to bring the account current. Each time my mom provides information showing proof that Navient indeed got her check and cashed the check. They tell her something different each time. They tell her she wrote the wrong account numbers on the check, which she had the correct account numbers on the checks to start with, they tell her they received it late but the bank statements show different, they also told her recently that in order to release her as a cosigner the payments have to come directly from her account for a consecutive 12 months. But when they called the next day asking for payment they told her the payments have to come out of my account for 12 consecutive months in order to release her as a cosigner. This has gotten extremely frustrating and such a hassle to work with them, when we are making the payments on time every month but they are constantly harassing us about missed payments which is completely false. They always end the call with they have updated my account with the correct information and fixed the issue to reflect payment was made on time and it should reflect on the account to within 2-4 days and stop the harassing calls and they always end up calling right back the next week like clockwork. I tried to ask them how I can get an income based repayment plan and they said that was n't going to happen and that they do not do income based repayment plans. But they are emailing me about putting my loans in forbearance, which I do n't want to do. The fact that were not the only ones with this issue and that they are being sued for this very thing is disgusting. I no longer want any contact with navient and would like something to be done about this company. | ||||||
| 01/14/2021 | Yes |
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| In XXXX of XXXX, I attempted to work with Navient regarding my outstanding private student loan debt with them. My first phone conversation occurred on approximately XX/XX/XXXX. At this time, I was advised to take ALL my student loans out of deferment so they can work with me on lowering my payment to a reasonable amount. I had to wait approximately 2 weeks for paperwork to go through before calling back. I called back on approximately XX/XX/XXXX. I was on a break between meetings trying to get this taken care of. The lady put me on hold multiple times after telling me the minimum they can do was interest only and it was {$1200.00} a month. I explained to her I can not afford this as this is almost one whole paycheck out of two I bring home a month. I was put on hold again. After 15 minutes of being on hold, I had to hang up to deal with a meeting at my job. After my meetings, I attempted to call back again and I explained the situation to the new representative and was immediately hung up on. I am working with an outside company to deal with this debt. After multiple times of them calling me references, I called back and asked to have them stop calling my work ( as this is my right to do so ) and my references. I originally sent a message and spoke with XXXX XXXX on XX/XX/XXXX ( I believe this is when I sent in the request through there system ). I received a response to XXXX and tried calling her. XXXX XXXX ( a floor manager ), completely refused to let me speak to XXXX and even went as far as to claim there was no one in their company by that name. I told XXXX I did not want to speak with her as I wanted to update my preferences for communication. She told me at this time, I have no rights to tell them to stop calling my work and my references and proceeded to even call me " honey '', " irresponsible '', and went as far as implying I am a bad person because I can not afford their payment a month. She threatened wage garnishment, a negative impact on my credit report, and liens against various personal property at this time. I told her I understood the consequences and did not want to speak to her about my personal situation as my husband had to leave his job to take care of his parents during Covid. When I told her this, her attitude changed to a helping attitude but would not give me further information on it. I explained to her she is not listening to how they can help me because I needed a reasonable payment and did try to get this taken care of in a timely manner. She told me I was dictating the phone call and being very irresponsible with this. At this time, I did not want further information because of they way I was essentially being talked down to and treated. I explained to her, I am working with someone on these student loans. She claimed it was her business because of the debt I owed. I explained to her, it is none of her business what I am doing because the company is helping me and not them and she does not need to know who this is. After this, I consulted the gentlemen I am working with and I sent a certified letter to Navient on XX/XX/XXXX with tracking number XXXX XXXX XXXX XXXX XXXX XXXX stating that I only want to be contacted via writing. According to the USPS website, this was delivered to them on XX/XX/XXXX. At this time, they quit calling my references and quit calling my employment but continued to call my phone. On XX/XX/XXXX, I have received another message on my voicemail for work. My mother ( who is a cosigner on 3 loans ) received a call at her work yesterday ( XX/XX/XXXX ). They have recently called my husbands phone as of XX/XX/XXXX and called my mother in laws phone this past week ( this date is undetermined but recent from her recollection ). I am attaching the letter that was sent, the receipt for the certified letter, the USPS screen shot showing it was delivered, the email that I received from Navient that there is no real concern but they want to " research '' this issue, and voice message email I received from Navient on XX/XX/XXXX which is after this date. I refuse to call and deal with this based on how I was treated by XXXX the last time. Even as I wrote this on XX/XX/XXXX at XXXX XXXX, they are still choosing to make the phone calls without the research done. What I am even more baffled by is my mother in law was never a reference on my original loan applications so I am not sure why she is being called. | ||||||
| 03/15/2022 | Yes |
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| I have a FFELP loan that has been serviced by Navient since XXXX. Originally my loans were through XXXX XXXX and totaled about XXXX. Since my individual loans were consolidated into an FFELP and serviced with Navient, I have had nothing but problems and unfair fees and compounded interest added onto my loans, giving me a grand total of close to XXXX in loans because of this. Whether I was working in education, for a state, government or non-profit entity or even XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and out of work for XXXX years, or a XXXX mom of XXXX, every time I would call Navient and explain my issues with my high monthly payments, their only main solution was to place my loans into " forbearance '' which is where all of these compounded interest charges came into play year after year with them emphasizing that this option would bring my account " current ''. Although I am a XXXX XXXX XXXX XXXX employee, I was told that I may not qualify for Loan Forgiveness and again my only options were to do forbearance/deferment and /or an IBR which I had to complete the application for. During XXXX, we as state employees were sent home basically from XXXX XXXX with times of us having to collect unemployment but with the majority of time working from home. I knew this servicer, Navient was giving me the runaround but I felt I had no other avenue and wanted to remain in good standing and not get negative info reported to the credit bureau. Therefore I was ecstatic to learn that Navient 's bad business practices had finally caught up to them and they'd no longer be the servicer of loans. I was also happy to hear about the class action suits against them would result in loan forgiveness and even restitution for some, due to their methods of placing people into forbearance like they did with me, that caused them to be deeper in the hole. Lastly, I was glad that I no payment would be due until XXXX XXXX as per President Biden in addition to Navient no longer servicing my federal loans. I thought finally there would a sense of freedom and relief for all of the injustices done to unsuspecting clients like myself. Then all of sudden I started receiving letters from Navient stating they were going to report me to the credit bureau for late payment and I was in danger of default. I went online and checked my account and didn't see new servicer, XXXX XXXX I soon learned a couple of weeks ago that Navient was indeed still my servicer and I was not eligible for any of the forgiveness, restitution or Covid relief break in payments all because Navient was still handling FFELP loans??? This was an unbelievable blow. As of XX/XX/XXXX Navient did report my non-payment, which i was unaware of to the credit bureau which resulted in my credit score dropping by XXXX points. I feel this is an ongoing unfair battle that seems to keep accelerating on so many levels. I had no idea my type of direct loan would not be eligible for any of the relief being offered to so many, nor that Navient would be able to continue their unethical practices and be allowed to service any loans. Since I too was a victim of their schemes to keep me in forbearance which caused my loans to elevate astronomically in cost because I was unable to pay XXXX. I should be able to receive some of the same relief my fellow Navient customers are. I have since applied for a Direct Loan consolidation as of XX/XX/XXXX after learning that the FFELP is a different type of direct loan but I am still receiving letters about default from Navient. According to Navient, I have to pay XXXX. with XXXX past due and XXXX in unpaid fees still saying that if I'm unable to pay they can offer me ways to temporarily postpone my payment... .aka ... '' forbearance ''. I thought when my last forbearance was over, I would start the XXXX again. What happened to that? Any help I can receive in getting any type of relief in terms of loan forgiveness, restitution, and most importantly a new and honest loan servicer would be greatly appreciated. I have been bamboozled from the beginning with bully of a servicer. Navient. I have no trust in them and am left with XXXX in loans because of them. Their unfair practices, manipulation and bullying tactics have caused them to get fired from handling direct loans they should released of their duties to service FFELP and any other loans as well. Please help me with this most draining situation. | ||||||
| 04/18/2018 | Yes |
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| On XX/XX/XXXX - I was enrolled in an XXXX program with XXXX XXXX XXXX University ( XXXX ). They notified Navient of my enrollment, and my existing student loans began to be deferred. End of XX/XX/XXXX - I withdrew from the program. I expected that my loans would no longer be deferred as XXXX would notify Navient of my withdrawal ( as they did of my enrollment ). Also, from my XXXX degree, I knew that the school would make notification to Navient and Navient would email me when my loans were due again. XX/XX/XXXX - I had checked my online account at Navient.Com - no amount due Between XX/XX/XXXX and XX/XX/XXXX - I had checked my online account - no amount due ( I checked it during this time as this is when I set my budget for the month ) XX/XX/XXXX - I received an email notification from Navient that there were changes to my account. When I logged in, I discovered that Navient had marked my account as past due, and that payment was due on XX/XX/XXXX ( 1 day prior to when then sent the notification ). The notification was sent on XX/XX/XXXX, but dated XX/XX/XXXX - see attached screen print from my Navient.Com inbox. XX/XX/XXXX - I contacted customer service to dispute the past due amount, citing that they did not provide notification to me within a reasonable time frame to make the payment on the due date of XX/XX/XXXX. The service associate ( XXXX ) offered to submit a forbearance on my behalf that I was not able to pay the loan for the month of XXXX. I advised that was not acceptable because I was not at fault as Navient had failed to provide me a notice to repay in a reasonable amount of time. After almost 30 mins and being put on hold several times, I had to return to work and asked for the name/ number of a supervisor to call - I was put on hold again and had to disconnect.I called back about 30-45 mins later and spoke with Supervisor XXXX XXXX XXXX. XXXX informed me that there was some issue between when they received the notification and when the system processes the invoices, and basically I fell into a gap and there was nothing she could do to change the due date/ past due notice. I asked who else I could escalate to, and she advised someone from the Advocate 's office would contact me back XX/XX/XXXX - I submitted a complaint to the Dept of Education - Case # XXXX to advise I believe the way that Navient is servicing my loans are unacceptable. I received an automated reply that they will respond in 15 days. XX/XX/XXXX - At XXXX EST Navient 's Advocate contacted me - XXXX XXXX. I went through the scenario with her again, and she advised that Navient does use an automated system, and although it is an uncommon scenario, because they received the notification from XXXX on XX/XX/XXXX and my loan due date was XX/XX/XXXX, the system automatically makes the payment due same day. She advised there is nothing they can do to change it. She advised had the notification been received on XX/XX/XXXX, it would have kicked the due date forward to the next month. She said that they were not allowed to submit any administrative forbearance on my behalf, and noted that I refused to take a forbearance offered by service. I advised that I did not feel it was right I should have to use 1 month out of my forbearance allowance to make up for Navient 's failure to notify me in a timely fashion. I advised that I had submitted a complaint to the Dept of Education, provided her the case number, and that I would await their response in 15 days. I also confirmed I would be more than happy to repay my loans at the rate of approx. {$350.00} a month beginning in XXXX, my request was that they not mark XXXX past due or make me take a forbearance. She advised that she would wait for the Dept of Ed to reach out regarding my case, and noted that they would tell me the same thing she has already told me. I am submitting this additional complain to the CFPB because I believe that this is an unacceptable way for Navient to be servicing my student loans. This is just a common sense thing - there is NO OTHER business/ bill that I deal with that doesn't provide sufficient advance notice when a payment/ bill is due. The fact that they invoiced me 1 day after the due date is completely unacceptable, and I feel its inappropriate of them to direct me to take a forbearance. I just want Navient to use common sense billing systems that will give appropriate advance notification. | ||||||
| 03/13/2018 | Yes |
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| For some years, my spousal consolidation loan has been serviced by XXXX ( now XXXX ) XXXX XXXX. The loan was originated in XX/XX/XXXX with XXXX XXXX, then moved to XXXX by either assignment or merger-acquisition. The loan contain very small amounts of sub/unsub Stafford for myself, and large amounts of the same for my then-wife. Somewhere around XX/XX/XXXX/XX/XX/XXXX we filed for, and were approved, the Income Driven Repayment Plan called the Income-Based Repayment. I ( we ) have been on that same plan ever since. In XX/XX/XXXX, on XX/XX/XXXX I received my divorce decree from XXXX XXXX XXXX, formerly House, after me called Reason by married name, now divorced again remarried as XXXX. In XX/XX/XXXX, she was homeless indigent in Colorado and last I heard in XX/XX/XXXX she was homeless again in XXXX XXXX XXXX area ( Utah ). I do not have contact with her, even though 90 % of the loan balance is hers ; and, the divorce decree shows her responsible to pay. Recall in XX/XX/XXXX, the student loan servicing system was redesigned for more accuracy and ease of use with the StudentLoan.Gov web site. It also changed how the Income Based Repayment plans work, and gave new application questions that handle situations like mine. XXXX had not moved to that new processing format. Before then, I was instructed to file IDR Renewals as if I was married even though divorced. ( Back then the forms didn't not support things like married but I have no clue where the wife is! ) In XX/XX/XXXX, during an inquiry about renewing my Income Based Repayment I spoke with the NAVient predecessor XXXX. They had denied my IBR because I did not have a signature from XXXX. I informed them I am estranged from my former wife ( divorced ), and she is indigent and homeless somewhere with no contact. I sent them a copy of my divorce to prove. They told at that time to begin filing the IDR renewals as Married Separated so I would not have to get information about her and from her. I confirmed with her that this was AGAIN what they wanted me to do. NAVient, the assignee as late XX/XX/XXXX, now rejected by IBR plan renewal under IDR saying I need to file again and get XXXX 's signature. After calling them, someone speaking English as a second language refuted the complexity of the situation and said that I needed the spouse to cosign. She said this on XX/XX/XXXX, even though I said she's homeless and even her own family can't find her. I don't even know if she is still alive, but I suspect she is based on rumors I hear now and again. She said XXXX would have to submit her own request. Even if she wanted to, she could not : She has a loan not related to me in Default with the FFEL Program, which I know for a fact from post-divorce. I told her I am calling my lawyer and filing a CFPB complaint. I am unemployed and not eligible for unemployment due to a complex legal situation. I have no income and neither does my ex-wife since she's probably homeless. I have a call into my attorney firm about this to tell me if my assumptions are correct. I attached my IBR. Section 4A of OMB 1845-0102 for Income Based Repayment Requests says very clearly marital status information, both Separated ( single ) and Married but not reasonably locate. I know this is a marital consolidation loan, but the servicer is ignoring these items and refusing to acknowledge the situation simply because the co-borrower was once married to me. In fact, the form says I will be treated as Single. NAVient can not ignore this compelling history, estoppel inherited by assignment, and even the applicability of marital status questions already promulgated by it's regulator the Department of Education. Because of my job loss, when I sent the XXXX annual certification, to NAVient thru StudentLoans.Gov, it went to XXXX my other servicer. XXXX said I was not do for an IBR, which is correct on THEIR timeline ( which is Fall XX/XX/XXXX ). They recommended I change my payment based on zero income immediately, so if the response NAVient sent me is about the XX/XX/XXXX submission, they can blame it on bad programming decisions by the Department of Education ... I have XXXX control now who gets my submissions! Attached is my XX/XX/XXXX IBR renewal as last sent to XXXX before NAVient took over, accepted and processed under their requested instructions. Also attached is my XX/XX/XXXX IBR submitted last month to NAVient. | ||||||
| 09/05/2017 | Yes |
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| Please read the copied letter that has been mailed AND emailed to Navient. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Navient U.S. Department of Education Loan Servicing Attn : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Re : Removal of prior negative history and incorrect account information from credit report ( SSN XXXX ), DOB : XX/XX/XXXX Dear Sir or Madam : I am writing to you today regarding several closed accounts in my name. The purpose of my correspondence is to remove information on my credit report. The Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I am insisting that you do that in my case for these accounts. XXXX XXXX XXXX XXXX is NOT the original creditor to this debt. The original creditor was XXXX XXXX but yet Navient seems to be reporting it. This information as reported is incorrect. I have disputed this through Navient via the credit bureau but it is still reflected incorrectly on my report. Furthermore, Navient NEVER had my authorization to access ANY of my credit info and/or my personal data. It is to my understanding that Navient did not take over XXXX XXXX education loans until XX/XX/XXXX. This is far after the XXXX XXXX accounts had been CLOSED. Not only is the information reported erroneous but I believe its acquisition to be fraudulent on XXXX XXXX and Navients behalf. These accounts are being reported by BOTH XXXX XXXX AND Navient. This is the reason I demand removal. According to the National Student Loan Database, these loans appear to be placed in Forbearance status as of XX/XX/XXXX through XX/XX/XXXX. So the information regarding a late payment seems to be incorrect as well. Perhaps Navient is unaware or has inaccurate information since XXXX XXXX never had the authorization to release this data. Yet another reason Im requesting these accounts be expunged from my credit reports. Please be aware that I have since satisfied ALL accounts with payment in full. I did so shortly after these accounts were reported as late. Once the government realized the need for Student Loan reform and made programs available to help people in my situation exactly. I provide this not to justify why the account was LATE, but rather to show that the issue with my past student loans is NOT a good indicator of my actual and current credit worthiness. Student Loan repayment reform programs have become the norm since this time to help relieve the burden of student loan debt. I am thankful that I could take advantage of them. I have refinanced with a different company and enrolled in the income based repayment plan. I have not had one late payment since the beginning of this change. The late payments that are reported by Navient/XXXX XXXX occurred almost 6 years ago. These old student loans are the ONLY late payments reflected on my credit report. I am not asking for forgiveness and I have not defaulted on the loans. I am requesting that you either remove the negative trade lines or the accounts entirely from my credit reports. My credit has suffered long enough. Six years of low credit scores and numerous loan denials, all attributed to loans that originated over 8 years ago, is an extreme price to pay for something that was ultimately paid in full. I am reaching out for your support in getting either the derogatory remarks and/or the accounts entirely removed from my credit reports. I have attached a copy of a fact sheet that is available on your website. This sheet outlines circumstances in which Navient is negligent. I believe the statements made by Navient on this fact sheet are also erroneous. I was NEVER made aware of any kind of other options for repayment by the company. I was instead, allowed to keep placing the loans in forbearance accruing interest. This, among several other applicable reasons are which Navient is currently in a lawsuit defending themselves against. Going back to my point, Navient never had the authorization for my information in the first place. In the meantime, I have filed complaints with both the CFPB and the Department of Education. Your kind consideration in this matter is greatly appreciated. I look forward to your correspondence. Regards, XXXX XXXX XXXX | ||||||
| 07/15/2023 | Yes |
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| I received federal loans from XXXX - XXXX to finance both a XXXX and a XXXX from Mississippi XXXX, a private XXXX XXXX. Since XXXX, I have intermittently struggled financially and have had difficulty paying back my student loans at many points in the last 18 years. I have had the occasional late fee, but Ive never missed a payment. My loans were consolidated thru Navient years ago. Each time I was having difficulty paying the loans I would call Navient & discuss my options with them. I always assumed that they were working in my best interest and giving me advice that would help my financial stability and not harm it. I was never given reason by them or the government to believe otherwise, or that they could instead be working in their best interest to trap me financially for life. Ive only recently become aware of some of the deceptive tactics and self-aggrandizing behavior of Navient. Over the past 18 years, I have been placed on forebearance 4 times, sometimes for years at a time. Overall Ive spent more years on forebearance than not. See attached documents for further info. At no point was I even told about income based repayment options. I am certain that I would have qualified for these because there were points where I qualified for food stamps based on my income and the nature of my family ( I was the single parent of XXXX XXXX for many years ). I believe I was deceived by Navient and the government and harmed by their practices. I believe that as students taking money from the federal government, there is a common assumption that the handlers of the loans are working in your best interest when I now realize that this is a flat out lie. I am furious to find out that I wasnt even told of my options at any point by Navient, despite me calling them dozens of times over the years. It angers me to learn that forebearance is a short term solution, one that shouldnt be used for more than 6 months, when I have spent the majority of the past 18 years on forebearance alone. I even had to file for bankruptcy in XXXX. Of course my student loans werent included in what could be filed, despite my lawyer requesting this in writing to Navient. Despite never missing a payment, I now owe considerably more than I did when I started paying these loans. There has to be some illegality here. Someone should have to answer for these deceptive tactics on the part of servicers of these federal government loans. I believe I should be repaid for all the interest accrued during my over 10 years time on forebearance. In fact, I believe the loans should be forgiven entirely, as I was given faulty information from the start and never fully understood the system. I now realize that this was done to me purposefully, to confuse and annoy me to a degree that I came to believe there was no solution to the large monthly payments, which interestingly always paid interest only. The largest monthly payment Ive ever had that went to the principal was {$16.00} a month. That is absurd. Ive questioned this with Navient for years, knowing that there must be a better way. Ive always been counseled by them that they were doing everything that they could to lower my payments and pay down my loan. My goal has always been to pay off my student debt as its presence in my life, just the knowledge that its there and increasing over time not decreasing, has caused me significant XXXX and distress. Ive almost drowned at various points over the years, having to choose between making my loan payment or feeding myself and my children. I always chose to make the payment, believing that the cost Id pay for missing a payment was too severe and would affect me too severely financially in the long run. I believe that the system is irreparably broken, and a new system should replace this purposefully confusing and deceptive mess. I would like for the wrongs of yesterday by Navient that have harmed me to be repaired immediately. Im demanding recourse. I would like to speak to someone who will advise me truthfully and be able to offer me real guidance here about the best way to proceed. Ive never been one to sue at all and rarely think its the solution. But at the same time I believe ligation, in the form of a class action lawsuit against Navient, is often one of the few things that successful companies take seriously and try to avoid at all cost. I know Im not alone in my experience. | ||||||
| 11/26/2018 | Yes |
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| The school promised employment assistance after graduation, which was not true. The school stated that 80 % of all graduating students were offered jobs right out of graduation and that was simply not the case. There were approximately 22 students in my class structure alone and only two of us went on to positions that directly involved our certifications. One of them had an inside connection with the XXXX XXXX XXXX and the other went onto to complete a Nurse 's degree with another institution. During our internships there was one student who was offered a position with a facility, however failed the drug test. XXXX knowing this, sent him back out to another company, only to have the situation repeated. This is one example of how XXXX provided a poor name or reputation of all graduates to the community which in turn offered poor is any job prospects to their graduates. I dedicated almost two years of my life, working forty plus hours a week at a job and then almost another 25 hours to my education. An education that I was proud to accomplish and believed would provide a better future for my children and myself. Being a working single parent of XXXX children, one of them XXXX XXXX, was a daunting experience at times. One that would require a lot assistance from family and friends, so adding an additional 25 hours to the mix was not always an easy task, however nothing worthwhile ever comes easy, right? I always believed in the end I was doing something good for my family, something they could be proud of, something that would enhance our lives, not make it more difficult. Not one of the promises or assurances were true, other than at the end of program I would receive a certificate. However, my certificate is not worth anything more than the paper it was printed on. When prospective employers would hear the words XXXX XXXX, their interest would cease and they would thank us for our time and send us on our way. If this wasnt bad enough in XX/XX/XXXX, we are notified through our local news that the XXXX XXXX XXXX XXXX has permanently shut down the schools in XXXX and XXXX XXXX. So in XXXX of XXXX I start looking for information on my loan programs. While researching my loans, I was referred to XXXX XXXX, who promises that if I am accepted, they will process all the paperwork and work with my current loan providers, through an Obama approved program, to have my loans forgiven, since the school didnt follow through on their promises and also closed their doors. I needed only to pay their processing fees for the paperwork of approximately {$800.00}. I then looked for reviews and tried to do my due diligence in research of the company and of its promises and found nothing negative. Actually there were several very positive responses, so I paid the fees and waited to see if I was approved. About a week later I received notification that I was approved and I would be required to pay XXXX dollars until the loans were fully discharged. That this process can take a few years to complete, but that is just due to the extensive number of clients that are going through the same process and it takes some time. But not worry, that until the loans are fully discharged my payment would remain at XXXX or at the most it might increase to {$50.00} a month. Now I start weighting out the options. Continue to pay the {$75.00} a month I was already paying, until the loans were paid off, approximately {$22000.00}, loans that I never felt were right to charge for in the first place ; or pay {$50.00}, at most a month for a couple of years, approximately {$1200.00} total, and have the loans forgiven? Then in XX/XX/XXXX, 4 short months after I completed the paperwork, I was notified that XXXX XXXX is under Federal Investigation and there is a lawsuit pending. To top it off I start receiving letters in the mail from a company called Navient that is stating I now owe them the {$22000.00}, and my monthly payments are around {$200.00}. When I called them, they stated that XXXX XXXX sold them my loans and all they did was consolidate them for me. This was not what I understood what I was paying for and defiantly not what I was told, and they basically said sorry, what credit card would you like to make that past due payment on? This whole process has been a complete nightmare, as you can see, from the start and I just want to the nightmare to end and wake up. | ||||||
| 03/24/2019 | Yes |
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| On XX/XX/2019, my employer send me A emailing stating that my wages will be garnish starting XX/XX/2019. So I contacted the loan company to informed them about I never received any information and at that moment they updated my information ( address in the system as they stated ). Spoke with a representative who took my call and stated that they will still garish my wages even though I never receive any information first by mail but only from my employer who receive it on XX/XX/XXXX and 15 % will be taken out. I was informed by the representative that I can get on income base program after I make 5 consecutive payment, plus the {$5.00} a month for 6 months. I cant afford that and I just started this job back in XXXX and just moved here, but she stated in order to do that I will have too. On XX/XX/XXXX, I contacted the company about I never receive the information about the garnishment at all and was informed by representative that it was send out on XX/XX/2019 to an address I never lived at, which I told them and the federal law ( Public Law 102-164 ; 20 U. S. C. 1095 ( a ) et seq ) stated that Your creditor must give you a 30-day notice, the representative placed me on hold because she did not know what I was talking about and I ask to speak with a supervisor. When the supervisor finally got on the phone and informed him about I never received a letter and thats not my address. I was highly upset because my social security number is on the paperwork my employer emailed me. The supervisor stated that it was my job to keep my address updated and I informed him that on the site that I access it is updated to a address that I receive my mail too. The supervisor was very rude and while he was talking I listen. So when he finished I explained to him again Sir I never received a letter and never stayed at that address and while I was talking he was raising his voice and over talking me. So when I ask him a question he didnt answer at all for and it was a very long dead air on the phone. I said hello like five times and no answer and when finally got on the phone again, I ask him did he here anything I said and his answer was yes and I said well I ask a question and you didnt say anything at all. So he stated again, its my job to update my information, I ask for his Boss and stated she is not in and that she is a very busy woman. So I ask for her name and number which he provided the name and said her number is the same as if I was calling in. I ask him do he know when she will be in and he stated I do not know, she is a very busy woman. I informed him that I will be filing a complaint because of his unprofessional towards me. On the following day I contacted Navient about the situation and was informed to speak with the collector, I informed them that I have and they are unprofessional and rude. Representative informed me that I can do voluntary payment with them instead of the wage garnishment but it will be up to them. I said okay, I will give that a try. So I ask to speak with there consolidate representatives and I spoke with a a representative and she walked me through the steps and was informed that it will take up to 90 days but to contact the collector to informed them that I will be doing that and see can they place it on hold since it doesnt start until next month. So I contacted XXXX XXXX again and as I was speaking with a representative who placed me on hold 3 times after I was speaking with her about the consolidation she placed me on hold again and but her supervisor on the phone who I spoke with before who was very rude and unprofessional and he explained to me that, thats not a good idea because I wont be able to apply to the IBR program if I do the consolidation and it will be more interest and I said well Sir I am going to do the consolidation and he stated the wage garnishment will still take place, so I ask him about the voluntary payment I can do and he decline. So I told him that I would like to do a hearing and can they send me a validation of my information from them. He stated that they will. I ask them how long will it take for them to send it out because the paperwork that was send out to my employer stated XX/XX/2019 and she received it on XX/XX/XXXX. He stated we will send it out on today. He also stated if you do the hearing that they will have to remove me from the IBR program and I said okay. Thank you. | ||||||
| 02/19/2019 | Yes |
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| I began borrowing during the recession and somehow the interest rates associated with my federal loans ( 6.75 % ) are higher than my current private student loans, which have a much larger balance. Why is the government allowed to charge higher rates than private, for-profit institutions? Why isnt any benefit given to individuals who have successfully managed their credit after college? Additionally, my sisters went to school in the decade before me and somehow managed to snag interest rates of only 3-4 %. This feels like an additional tax punishing people for not having the means to pay for college, but attempting to make a better life for themselves. This is further proven by the fact that a maximum of only {$2500.00} of interest is deductible annually with a fairly low AGI phaseout and ZERO consideration of how much income is actually contributed towards making on time payments to student lenders. After all of this I'm not even going to be eligible for loan forgiveness because my loans are estimated to be paid off by XXXX ( started repayment in XXXX ) even with this insanely inflated interest rate. It feels like Im being held to a higher standard, and am continuing to pay for other peoples loan forgiveness eligibility ( public service, disability, etc ). Additionally, the amounts of subsidized vs. unsubsidized balances were determined including my parents ' income information, but nothing was reconsidered after releasing them as co-signers at consolidation. Why are independent adults being punished for wanting to be fiscally responsible without having to rely on/burden their parents with these large debt amounts? I have no problem paying back funds borrowed for my education, but the higher education landscape has changed significantly since that time. Tuition rates were still on the rise, whereas now some institutions have reduced tuition to pre-recession rates. Interest rates have dropped significantly since that time and instead of Congress re-adjusting accordingly, they continued to burden and capitalize interest at a rate preferential to providing income for the government, rather than what may be in the best interest of the borrower. The NYS Excelsior scholarship ( https : //www.hesc.ny.gov/pay-for-college/financial-aid/types-of-financial-aid/nys-grants-scholarships-awards/the-excelsior-scholarship.html ) did not exist, which would have influenced my decision for school choice, and would have reduced the overall balance that was needed in loan money. Finally, the overall balance is negatively impacting my ability to qualify for other financial vehicles that has the potential to advance my overall/long term wealth and life ( i.e. - mortgages, XXXX credit card for future children/neices/nephews education, marriage, further debt consolidation, etc ). This is a serious problem for me. I was completely unaware at the time of applying for financial aid my freshman year that a formal appeal process was possible. Despite my father losing his job when I was a junior in college, I was only offered a {$400.00} grant from the private educational institution I attended. I get that funds were limited at that time due to many people being impacted. However, I somehow ended up with over 6 figures in debt - despite reducing the amount privately borrowed on an annual basis, finishing my undergraduate degree a year early, obtaining a merit scholarship to cover half of my tuition for my undergrad, living off campus during my XXXX, and working 30-40 hours/week the entire time I was in college while maintaining a 3.5+ GPA for my undergrad/graduate degrees. I always continued to apply for and obtained private scholarships to assist with the cost of books at that time. I never used my funds for anything other than school/living expenses. Ive done everything since then to figure out how to get out from under this sea of debt that I am drowning in, and didnt know any better to prevent/minimize the impact at the age of XXXX because my parents never obtained college degrees. I still continue to look for possible solutions, but to no avail. Ive applied for multiple federal jobs for Public Student Loan Forgiveness ( PSLF ). Im not eligible for forgiveness based on the years I went to school through New York State ( https : //www.hesc.ny.gov/repay-your-loans/repayment-options-assistance/loan-forgiveness-cancellation-and-discharge.html ). | ||||||
| 01/01/2018 | Yes |
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| I opened a loan with XXXX XXXX in XX/XX/XXXX. I graduated in XX/XX/XXXX and enrolled into one of XXXX XXXX 's loan repayment programs. we paid XXXX a month and the money was always automatically deducted. I noticed statements in the mail with several late fees, miscalculated payments. My loans were all increasing and I noticed several large fees. I called in and was never given a answer. One employee tried telling me i was late every month because the payment was due on the XXXX and the money was withdrawn on the XXXX of every month. XXXX XXXX set this repayment plan up, not me. if the above is even true, they set me up to be late every month. my mother and i sent in XXXX dollars to try and catch up and we received another statement showing we went in the hole XXXX dollars. We went through instances like this for months. I was desperate for help and was calling every company and also different loan companies like XXXX XXXX. No one could help because the loans are private. I then was contacted by XXXX XXXX also known as XXXX XXXX XXXX. They noticed I had fraud all over my account, which I already knew. they explained they are helping thousands of other students fight XXXX XXXX who is now Navient. As we all know XXXX XXXX destroyed their name for similiar situations like mine. They were forced to pay back millions and now are Navient. Same terrible company with a different name. I agreed to XXXX to work for me. I had a " lawyer '' i received letters in the mail showing what they sent to Navient. They were working for me and promised nothing but better. I had a online portal where i sent in all information regarding my loans and any issues, i had call logs because during this loan dispute they were to no longer contact me. I received a settlement offer letter from navient, along with a very small check due to an error on fees on their behalf. I was promised my credit would be improved, they offer a credit corrections program. I have saved ALL correspondance with these people. Represenatives who worked for XXXX XXXX XXXX, letters, EVERYTHING. I was notified in may and found out that the entire thing was a scam. I also have been doing deep research and found out Navient is AGAIN being sued for selling thousands of students information to two brothers in florida who posed as a comoany who fights for students and handles these cases. My information was one of them! We paid XXXX every month and lost almost 18,000 dollars to this scam and again this is XXXX fault. How is this company still up in running? How as students are we supposed to pay our loans to the biggest fradulent company in the united states. My credit is ruined. My name is ruined. I have a degree that means nothing to me. It 's a money pit and if I could sell it back i would. Navient has ruined my life. Im almost XXXX years old and ca n't buy a house, ca n't get approved for any loan, and just had to buy my first new car through my father because my credit is ruined. all of it from Navient. My mother and father have always had amazing credit. my mother is my cosigner and now she ca n't be approved, and was n't approved for my car and the 1 and only 1 reason why she was denied, was because of the XXXX dollar debt we have to Navient. I refuse to send another penny to this company until things are right! I have lost thousands and now have been scammed over more thousands and this is all because of them. They were involved on this scam which is also why they are in another current lawsuit. It all seemed so real and its funny because navient stopped calling. they have yet to call me and harrass me to make payments. I have n't paid them in years and they stopped after i was involved with XXXX XXXX XXXX. Then I received the check in the mail from them along with a settlement letter. They were playing along with the scam and why on earth would they submit a settlement offer if this company is innocent and doing everything legal??? I refuse to pay a fradulent company. I also need to know where I can mail all my documents, i have made copies and have tons to print and i prefer to mail them. I dont have the time to scan in thousands of documents to the computer and upload. I will print, and fax or mail. so please contact me on who i need to specifically send these to so they can be attached to this case. This a small summary of what this company has done to me in 10 years. | ||||||
| 10/23/2022 | Yes |
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| To whom it may concern : I have filed a complaint with the CFPB years ago, called the Ombudsman, anyone that would try and help me with " Sallie Mae/Navient. '' I have the original emails from years ago. And Nothing was done. So I have beyond paid the price for their false statements, charges that were not consistent, destroying my credit report for years ; for 2 private loans from XXXX, that they removed deceased members from like they were never on there. Not producing itemized documents to me, promissory notes that did not even go with the loans that I had taken. Also, the school is closed. It has been for years. It was apparently a private college-non of the credits were transferrable and truthfully none of it makes sense. So for all these years my XXXX XXXX has paid them-because they would negotiate with me. You guys didn't help me, due to an out pouring of complaints. So I had no other choice. For the sake of saving my credit. No attorney would take my case-due to the fact that during that time had a government affiliation. It's been a nightmare. I really was beyond swindled from the beginning. So today, I sit here ; with literally the same amount pretty much as XXXX. I am XXXX years old now. No degree. At the XXXX school these loans were taken out from was " XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Michigan. '' I have also tried throughout the years to file for it to cancelled to through them, due to the fact that the school has been closed for years. Never have I been eligible. Which legitimately makes no logical sense. Well, My XXXX XXXX XXXX, unfortunately passed due to XXXX on XXXX, my birthday. I also today am a XXXX parent ( BY CHOICE-NO VICTIM ) of a XXXX year old little boy that misses her like crazy just as I do. ( I apologize for the single parent comment, but some people use that as an excuse. I don't his father is not involved-no child support, and long story short I wasn't supposed to be able to have children, so he is my miracle. ) We all lived together. He was born in our home. ( Her home ). My dad passed when I was XXXX years old, so my Auntie-never married, and having no children, I have always been like her daughter & she was like my other parent. She left me everything. But, of course, she was on technical terms my mom 's first cousin, so I guess even though she died at XXXX years old, and was like my other parent-im techinically a 2nd cousin. So I took everything I had in my XXXX to bury her properly. NO HELP. Then the last {$4000.00}, I had to hire an attorney, to fight all of the first cousins for the estate. So naturally with all of this stress, it took me a minute to call Navient. When I did in XXXX, they would not negiotate payments. They put me on an interest only program reducing the payments from $ XXXX {$360.00} to {$150.00} or {$140.00}. Clearly, I took over the entire house of bills including homeowners, taxes, her car, etc ... .while in probate. So I am juggling a-lot. They have continuously came up with excuses on why they aren't taking the payments. I am behind, etc. It's insane. I am on the verge of a XXXX XXXX. So out of no where, last week I check my online banking-I am overdrawn due to them taking {$300.00} out-two times getting another {$66.00} in total of fees, for a payment I never authorized and did not set up.? I called my bank. I couldn't see what or who it was. They told me. I called navient immediately. They were so rude said I screwed up the payments, all of these excuses. He said I was not eligible for income based anything. He would file a dispute. I said what about the {$66.00} dollars you just caused me. He said yeah you're not getting that back. This was XX/XX/XXXX. I would have never set this up. I need gas to drive my son to school, work, pay my car payment, and I had to pay a cash advance which I never have done before on that friday XX/XX/XXXX. So I borrow {$500.00} from my mom 's best friend XXXX. To ensure when my check gets deposited Friday, plus XXXX, I could pay the loan friday and still be ok. XXXXNavient took the money out of my account again. Sending me getting gas etc, into overdraft ... .again. I literally at this moment am sick. I had to take another cash advance. I am beyond words. My XXXX Probate trial starts this week. I dont know what to do anymore. I have proof of every single thing. Please help me. This is illegal. | ||||||
| 05/19/2017 | Yes |
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| Navient has severely hurt me today. They did so the other week as well when I called their company to ask about income based monthly payments for my student loans. I make XXXX an hour full time and work very hard to make sure my bills are paid. Of course I 'd love to pay as much as I can for my loans later on down the road as my career unfolds but for n ow I was seeking solace. On XXXX XXXX I called Navient and asked to set up monthly income based payments, I was told to hold as I would be transferred to a representative. I spoke to a rep that, at the time, I believed was a part of Navient. When I asked about income based payments she began to tell me about student loan forgiveness. It sounded perfect, no payments at all it 'd be taken out of my hands ... If i paid a fee. I was in a time crunch as I was on my lunch break and I 'll admit I can be a tad naive. I signed up for this student loan forgiveness via files sent to me from a company called XXXX XXXX XXXX . After getting back to work and signing the forms ( I was n't allowed off the phone until I signed and confirmed it with the rep ) we ended the call and the rep sent me a follow up email. It was then I saw in their email signature the logo for XXXX XXXX XXXX . The entire time I spoke with this rep I was under the impression I was speaking to someone directly involved with Navient. Immediately I felt uncomfortable and I googled UPC and found no website or anything promising. I was allowed 3 days to cancel my agreement and I quickly did so, getting reimbursed my fee I gave them. The rep i talked to to cancel my agreement then told me about Navient 's bad business practices and that they were being sued. I did n't know who to believe at this time. It put a bad taste in my mouth and I was feeling anxious about the entire thing. But I received my money back and I decided to let it go for now. I had realized I fell victim to Navient 's deceptive practices but did not want to dwell on it. Well, today XXXX XXXX XXXX , XXXX ) I called to make a payment. As far as I 'm aware I never even spoke to anyone from Navient today. Instead I was immediately hoisted off to a third party company, yet again and when I asked to make a payment the representative tried to talk me into Student Loan co nsolidation. As far as I 'm aware this can be a legitimate option wh en Student Loans are too much at the time, and because of my annual pay I technically qualified. But what gets me is that I started crying and I felt like i was pleading to make a payment. The representative, while being helpful, told me my account was " detrimental '' and that any payment I made would go towards interest and not the actual loan and that was the best option for me. I insisted I did n't care that it went to interest and that I really just wanted to make my payment as I was already a bit late on the payment for this month. I never got to do that. Can you imagine calling a company to make a payment to your debt and they basically refuse and dodge? What kind of company could do that? One that wants to avoid processing fees and to treat me as a burden, hoisting me off to another company and preventing me from making my payments on time so I will be sent to a collection agency. I want to emphasize the emotional trauma this is sending me in. Ultimately, yes, I made my payment online. But nothing can replace the fact that I now feel like absolutely nothing, I feel degraded, useless and I 'm not even worth their tie or money. I am already in medical debt along with my educational debt, and this is n't even about the money at this current time. This is about being devalued as a hard working human being that wanted to just pay their dues and move on in life. I was not even granted the gratuity that is making a simple payment to a loan. As far as I can tell I am stuck with Navient for the time being. It could be true that my account is " detrimental '' and in need of help, but ultimately I was denied the option of giving Navient my payment so I could become someone else 's problem. I hope that they get brought to justice and I would like to thank CFPB for taking the time to take care of t his issue for the millions of students like me that just want to pay their dues. I hope I find peace and guidance within the coming months and I hope others do as well. | ||||||
| 03/20/2018 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX approximately I begin making phone calls to my loan servicer Navient about how to make sure I would qaulify for Public Student Loan Forgiveness Program ( PSLF ). When I would call during those years they would tell me things for example like : We do not have enough information at this time, or all you have to do is simply just keep making your 120 payments on time, and work for a public service employer or a 501 c 3 employer etc. I can also remember calling more than once over the course leading up towards XX/XX/XXXX, checking back up, and each time I was told different things. I would ask, " Am I under the correct loan type? '' They would never clarify and infact were very dodgy on explaing any facts, nor pursuade me toward any other loans but the current loan I held, nor encourage for me to immediately switch over to XXXX XXXX XXXX at any point. In fact, a person even detered me from changing from the current loan with rationales about interest rates % for not switching and to wait for various reasons etc. My loans were held by Navient from XX/XX/XXXX to XX/XX/XXXX. My loans were finally consolidated to XXXX XXXX on XX/XX/XXXX to their current status with My Student Loans XXXX XXXX XXXX XXXXXXXX I called them via phone actually on XX/XX/XXXX and argued with them on the issue. They only credit me with Public Service Credit for 11 months to date. They do not even " recognize '' the fact that I have worked for 13 years at a Public Service Employer ( XXXX ), Nor even made well over 120 payments of on-time, Income based repayment plan payments ( IBR ) during that period. My employer has sent in verified employment forms to them already of my employment time, history, and required information to them completely! Their response to me in the past when I confront the situation to them is that they say, " They can not acknowledge all my years of public service, or that it will count, because the loan type was incorrect during that period. '' To which I explain to them, " Why is that my fault, because Navient repeatdly gave false or miseleading information about the PSLF Program? '' In addition to this, the personnel on the phone try to blame the mere fact that the reason this happens is because people did not file an employment verification yearly. This also does not make any sense. This is the latest talking point they try on the phone to borrowers. It is clear that when your employer certifies your employment that they know you have worked there for 10 years or longer and made 120 payments while working there with the public employer. This is not the first time I have called them before obviously, they have used the loan type senario argument as the basis for denial of not giving me my forgiveness of student loans. Before, they always have used, the excuse of the wrong loan type. Then they simply defer to the department of education, and say, " Sorry you'll have to work another 10 years there, and make another 120 payments and start all over again! '' Navient never was forth right in the information, and never made clear to me at all between XX/XX/XXXX-XX/XX/XXXX information regarding eligibility for the PSLF, nor did they forth rightly do so after the period of XX/XX/XXXX when finally formal forms, and information was being handed down from the federal department of education afterwards long over due. I communicated, and made voluntary phone calls to Navient on this matter over the years trying to stay abreast of the situation and each time I was ill informed, misguided, and now I am in the situation I am in today as a result of it. The current lender refuses to understand, nor acknowledges all years of time with my current public service employer, or the good faith payments under the program through one technicality or another. Why must dedicated public service workers pay the price for lenders who failed to properly administor information on eligibility, or give false information and leave workers and loan repayers in this type of situation? I seek a remedy, and a solution to this situation. This can't be what this spirit of this program intended back in XX/XX/XXXX. Why must public service workers have the rug pulled from under their feet in such a disegenious, dishonorable, which undermines distrust in government, faith in good values, playing by the rules, and the nation at large? | ||||||
| 04/21/2021 | Yes |
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| New Complaint : Repayment Plan reflects Extended Repayment Plan-Principal and Interest I've been paying my Standard Repayment since XX/XX/XXXX. I signed up for the Navient 's Rate reduction Program in XXXX and their Customer Service Rep ( CSR ) Supervisor just informed me today that under the Rate Reduction Program, the CSR has the option to reduce your payment for a selected timeframe or extend the term duration on the loan in order to get the payment lower. I was informed that in order to refinance my loan to get a lower payment, I would have to refinance my loan with another lender since Navient does not offer refinancing options on Private Student loans. Now as a consumer, it appears that my loan was negligently managed by Navient and I may be stuck with paying for their mistake. I've asked about refinancing my loan and I was informed that those options are not available for Private Student Loans. Now, I need clarity on if you currently don't offer those services on Private Student Loans, how can you extend the Repayment terms? I was informed that their are programs that Navient offer for financial hardships and the Rate Reduction Program is what I was introduced too. At the time of enrolling into the Rate Reduction Program, the CSR is required to inform the consumer that the term will be extended but I only agreed to the Rate Reduction Program and not an extension of my Contract Repayment terms. I explained to the supervisor on XX/XX/XXXX, I only agreed to the Rate Reduction Program to lower my payment for a period of time and not to extend the term of my loan. I explained to the supervisor that I am requesting the call to from XXXX to be pulled to validate that I agreed to the Extended Repayment Plan. I asked the supervisor if an error is found that Navient extended my terms without my consent, will they reduce the remaining terms and dissolve the increase in my payment? The supervisor stated, " Your payment would be increased and you would be responsible for paying the increase. '' That is unfair to a consumer who was deceived about the pretenses of a program for financial hardships. The supervisor agreed to have the call reviewed and provide a response back within the next 7 days but I want to file a complaint as a formality to get a documented resolution. I am requesting my terms to be reduced and any overages due to miscalculations be dissolved due to Navient 's error. Initial Complaint : XX/XX/XXXX I applied for a {$12000.00} student loan in XXXX to attend XXXX XXXX XXXX, Ga with XXXX. When I signed for this student loan, I wasnt told that this was credit base and that there was d/ifferent stipulations but that it was a federal student loan to help cover school expenses. On XX/XX/XXXX, it was transferred to Navient. I have been repaying this loan since XX/XX/XXXX without any breaks in payments and due to this variable interest rate, it has become challenging to pay this loan off. I cant refinance the loan because of my credit and I'm exhausted of attempts to refinance my loan to get a fixed rate. The balance of my loan is over $ XXXX and if I have been paying on this loan since XXXX, the loan should not still be astronomical if it originated at $ XXXX. My loan has accrued at least $ XXXX of interest and it still increasing. I have spoke with Navient about forgiving my loan but there are no alternatives. I asked about forgiveness of my loan, refinancing my loan for a fixed rate and I was educated that there is no loan forgiveness for private loans and that Navient doesn't offer refinancing options for Private loans. If I was educated back in XXXX, I would have never signed for this loan. So I'm out of options. I need some help on refinancing my private loan and I need my account researched to see if the interest was calculated accurately. I feel that my balance should be lower than it's current amount. Since I left XXXX XXXX XXXX, GA, I have accomplished two ( 2 ) XXXX, one ( 1 ) XXXX and two ( 2 ) XXXX XXXX from XXXX XXXX. I have accumulated over $ XXXX in student loans just to find an eligible job that will pay a decent salary. I had to defer my {$1000.00} payments to pay down other debt just to have the ability to refinance my student loan and that is taking some time. So I need all the help. I am covered in student loan debt. Please help me. What are my alternatives? | ||||||
| 12/01/2017 | Yes |
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Web | Servicemember |
| ***This is a resubmittal for complaint number XXXX ***Last complaint was sent back due to " Unauthorized third party '' **** Originally I was put on a Graduated Repayment ( i believe in either XXXX or XXXX ) for {$130.00} and paid that without missing anything. When I was told in XXXX XXXX that this would be changing I applied for Income Based Repayment via the student loans.gov website. The first time i applied was XXXX XXXX, XXXX. The application is still pending on the site because it said I needed my wife 's tax returns. I figured this was a mistake because I thought I applied for " Married but filing separately '' so i applied again on XXXX XXXX, XXXX. Same scenario, I heard nothing from the website and that application is still pending on that website to this day. Sometime between XXXX XXXX and XXXX XXXX, XXXX I filed another 2 applications before finally calling Navient and trying to get squared away. During this phone call I was told all I needed to upload were most recent check stubs, which I did. For some reason I can not find these on the Navient website. During all of this, I 'm seeing that my monthly payments were varied as high as $ 400+ to {$280.00} and having no idea what to pay so I waited, against my better judgement. During the phone calls I specifically asked if while I was waiting for a response if missing the payments would affect me and was told no. In XXXX i started receiving delinquency notices, the phone calls started, and finally in XXXX my credit score dropped over 150 points. So i drafted a letter to Navient explaining that I was still waiting for them to contact me about IBR and if I did n't here from them, I would seek advice from a lawyer and file complaints. Which brings us to today. What I did to mitigate the missed payments since I never had a true total monthly payment amount was add the original {$130.00} over 4 deliquent months and added the accumulated late fees which came to a total of {$540.00}. I spread this total over the loans proportionally to the amount of the individual loan. Shortly after I made the payment and wrote the letter about seeking a lawyer and filing a complaint, I received this from Navient : " Thank you for contacting us in regards to your request for an Income Driven Repayment plan. I can certainly understand your concerns and will be happy to assist you with your inquiry. I apologize for any inconvenience this matter has caused you and hope the following information is helpful and alleviates your concerns. Your request for an Income Driven Repayment plan was approved and your total payment amount was calculated at {$240.00} effective XXXX XXXX, XXXX. Disclosure Notices with your payment amounts and effective dates were sent via email. Please allow 24 to 48 hours for delivery. Please note that although your scheduled payment amount is {$240.00}, the present amount due on XXXX XXXX, XXXX, is {$56.00} due to extra funds previously received. An administrative forbearance was processed to bring your account current. '' While I am glad I finally got an answer from them, I find this to be less than sufficient for more than a few reasons : 1. The amount is too much for me to pay ... my income has n't changed so why should the payments? I had a stellar track record of on time payments as well. 2. I sure do n't want a forbearance for the missed time because I feel like i made more than an enough effort to continue with on time payments. 4 application attempts, phone calls, emails, and the {$540.00} payments including fees to cover loss time. Side note : Almost all of that {$540.00} went to the interest of each individual loan. I would like that to be fixed as well. 3. My credit score. This was the most upsetting for me because I took great effort to climb out of that hole over the years, and making years of faithful payments was the main reason for climbing out of that hole. My goal here is to get back on track with the loans. I would like to get as close to the {$130.00} payment as possible since my income has not changed, i would like the {$540.00} to allocated accordingly over each individual loans ' principal/interest/late fees, even if my math was wrong I and willing to make up the difference so far as how its allocated is done properly, finally I would like my credit score fixed. That is definitely my biggest and most important concern. | ||||||
| 12/07/2017 | Yes |
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| On XX/XX/XXXX I contacted Navient and spoke to XXXX ( Employer ID : XXXX ) who helped me process an income based deferment and alerted me that it would expire onXX/XX/XXXX. I am sending a Navient statement ( dated XX/XX/XXXX ) that clearly indicates that payments are scheduled to begin on XX/XX/XXXX. Starting in XX/XX/XXXX, I began to receive notices from Navient that my payments on my loans would begin, and by XX/XX/XXXX and XX/XX/XXXX, I was receiving numerous notices in the mail and phone calls from Navient alerting me that I am delinquent on my student loan payments. To resolve this issue I contacted Navient in early XX/XX/XXXX and I shared information about the income based deferment with an agent, and the person who assisted me, XXXX, along with her Employer ID number. Despite providing this information, I was informed that I was delinquent on my payments, and while Navient would investigate the matter, insisted that the delinquency could not be removed unless I made payments to my loans. I contacted Navient again on XX/XX/XXXX and spoke to XXXX ( Employer ID : XXXX ) who alerted me that it is rare that income based deferments would be as lengthy as the one I received, and that in order to continue the income based deferment, I should have re-applied in XX/XX/XXXX. No notification of this information was provided to me about this, and contradicts the statement provided by XXXX in XX/XX/XXXX and approval of an an income based deferment that would continue until XX/XX/XXXX. Consequently, as a gesture to counter the ill-treatment I had received from the previous Navient representative and harassment from agents who called me demanding payment, he stated what he could do was to allow me to begin my payments in XX/XX/XXXX. I thanked him for this gesture, and asked that he forward this information in the mail. On XX/XX/XXXX, I received two letters from Navient dated XX/XX/XXXX. The first information on how I can apply for an income-based repayment plan. The second, an updated payment schedule, but noticed that capitalized interest had accrued. I contacted Navient on XX/XX/XXXX and spoke to XXXX ( Employee ID : XXXX ) and asked about why I was being charged interest on my loans, which should have still been on an income based deferment. XXXX alerted me that I had approved a Forbearance over the phone with XXXX on XX/XX/XXXX. I alerted XXXX that I never applied for Forbearance, nor was I alerted by XXXX that his gesture to extend my payments to XX/XX/XXXX, meant that I was entering into a Forbearance agreement. I accessed my Navient online account and indeed found a document indicating an approval for forbearance, also dated on XX/XX/XXXX. I am perplexed as to why this forbearance document ( see attached Forbearance Approval ) was not sent via postal mail along with the other two documents that bear the same date. As my communication preferences with Navient are for postal mail delivery only, and have been since I first obtain my first student loan in XX/XX/XXXX, the fact that Navient did not forward this document to me on the same date as the other aforementioned documents reflects corporate malfeasance in not maintaining transparency regarding Navient 's actions. To summarize, Navient : 1. Failed to maintain an income based deferment application filed on XX/XX/XXXX 2. Has identified me as delinquent on my payments 3. Has sent numerous communications ( mail and phone ) requesting repayment 4. Has processed a forbearance for my student loans without my approval 5. Is charging me interest in the amount of XXXX With the recent revelations that Navient has steered multiple borrowers to multiple forbearances instead of income-driven repayment plans since XX/XX/XXXX that are now part of a lawsuit, it has become clear that Navient is continuing to engage in similar practices with my student loans. This has caused the loss of unnecessary time and undue stress. I have done my due diligence to resolve the matter numerous times, but to no avail. Therefore, I kindly request that the Consumer Financial Protection Bureau intervene in my case and help resolve this ongoing dispute. Thank you for taking the time to read my case, and I look forward to hearing from you. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX | ||||||
| 11/17/2020 | Yes |
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| Hi, After downloading an XXXX file showing all of the transactions for payments made on our student loan, it was revealed that all payments made during the five year period of XXXX - XX/XX/XXXX were only allocated towards the loan interest. This left us with {$290.00} total paid on the principal and {$5000.00} paid towards the interest. We always went with what the phone advisor suggested for repayment plans for this loan and for our XXXX XXXX. Our XXXX XXXX, which started at a similar amount, has been paid off in full since last year. Navient clearly set us on the worst possible path towards paying into their profit and never paying off the loan. Keep in mind that this is a FFELP loan, the interest rate is set by Congress, and we were given this based on our FAFSFA paperwork as part of our need-based student aid package, so we had no reason to believe that this low interest, need-based loan would be employing tactics to extend the amount of time we would be in repayment or keep us stuck for years only paying interest. The first few years of payments were confusing. Over the phone we would be told to make a double payment, then we wouldn't receive a bill for the next month. Instead, we would receive a late fee notice for the following month. This is shown with double payments on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. Each of these payments are followed by a month with no payment and a subsequent month with a late fee. When we started trying to get set up on direct deposit to qualify for the .25 % interest reduction rate, the online portal would do the same thing. This is shown with double payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each of these payments is followed by a month with no payment, and then a subsequent month with a late fee. We were told the direct deposit system had bugs and sometimes just didn't take the money out of your account, so we needed to start checking with the bank each month. Each time the system failed to take money out of your account, we were told it would self-disconnect, so we would have to go through the set up process again to keep using it. All of this was irritating, but it kept us focused on trying to get the payments straight and distracted us from the real issue, which was that the money we were paying was only going towards interest. At no point did anyone bring up the fact that making the double payment they continued to suggest ( to make up for the month that was suddenly " late '' and the next month ) was most likely putting the account into overpayment and that was the reason they were not billing us or running the direct deposit for the month after the double payment. We complained that nothing like this had ever happened on any account we had ever paid before and they acted dumbfounded. At no point did anyone ever ask if we would like overpayments to go towards the principal or offer us any options to have the account set up in such a way that monthly withdrawls would continue in the case of overpayment, even though it was clear that this was what we wanted. Once the direct deposit was working consistently on the loan, we increased the monthly payment, first to {$200.00} in XXXX XXXX more than double the payment Navient had suggested XXXX, then to {$350.00} once the other student loan was paid off. Since XXXX we have paid {$5500.00} on our principal and {$2200.00} on our interest, so Navient is still making a significant amount of money off this loan. Looking back at the first five years that we spent paying {$290.00} on the principal and {$5000.00} on interest just isn't right. That leaves us at a total of {$5800.00} paid on the principal and {$7300.00} paid in interest. Together that's {$13000.00} paid to Navient. However, we still owe {$13000.00} on this {$19000.00} loan. Navient has been caught encouraging its staff to lead people to make poor repayment choices for its own benefit, and we are clearly a victim of these practices. Upon contacting Navient about this issue, they replied with a letter stating that if we're having trouble making payments ( we're not ) we may qualify to make interest-only payments! This is exactly the thing we wrote to them to complain about. It is sickening that they can operate on this level of arrogance and continue to deceive people who were given loans as government aid. | ||||||
| 07/07/2023 | Yes |
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| I was reviewing the Navient XXXX in reference to XXXX loans. I noticed a loan that is a XXXX XXXX Loan. I notified Navient and requested documents. I was provided with documents that contained a signature and no date. The signature is of concern as it is not an original signature. I continued to request the credit application, loan agreement, and disclosure along with any documents attached to my name pertaining to this loan. I called Navient multiple times because I never received the documents I requested. This year I notified Navient I would be seeking legal action. When I informed Navient I would seek legal action the loan disclosure and agreement were sent to me. I called XXXX and obtained a school ledger with payments and there is no history of a XXXX XXXX. I requested a copy of the cashed check to verify the signature and Navient informed me that they did not have a copy of the check. I requested the name of the bank along with the bank account number that the check was deposited into to validate that I did not cash a check although Navient was unable to provide me that information I was informed when I called Navient. I reviewed all my bank statements which validate I did not cash a check for the loan amount of {$6000.00}. It is extremely concerning after years of requesting the disclosure for this loan I received it this year after informing Navient I will be seeking legal action. Not only did I receive XXXX disclosure after informing Navient that I would be seeking Legal Action I received a second disclosure There is no exception to changing dates on disclosures and if something is changed the consumer should be notified and provided a copy which I was never notified of because this is not my loan. I have tried to resolve although Navient has not been of no assistance. I requested all payments be returned with interest. If Navient is not going to return my money with interest the course of legal action will be the next step. I have attached all documents that contain this matter that validate I did not authorize this loan. The loan application has a signature that is not consistent with my signature, the application is not dated, the documentation required pertaining to salary is not correct for that year, and all other highlighted fields that were left open or have missing information. As for the gross annual salary which is incorrect if Navient will also provide the documents that were provided to income. Please note the second bottom left corner that has numbers XXXX as the other pages do not. The second-page border to the right does not have the same writing as the first and second pages. The wet signature is of concern along with the typed signature neither are consistence in a form that I would sign. Navient was not sending statements monthly up until the past year when I addressed concerns over this loan. I requested multiple statements be sent USPS although Navient did not honor my request for paper statements. On the payment history, the late fees are due to Navient 's noncompliance with not sending paper bills. Reviewing my tax information from XXXX up until XXXX Navient did not send XXXX yearly. However, I did receive XXXX XXXX dated XX/XX/XXXX and others dated XX/XX/XXXX which are and which is Reviewing the Navient portal this morning I also noted concerns pertaining to the listed owner. Last week the lender/owner of this loan was Navient XXXX XXXX XXXX XXXX This morning the owner of this loan is Navient Credit Finance Corporation. Every time I call Navient in regard to this matter the response is " We can confirm the check was cashed '' If that is the cashed I ask that Navient provide confirmation to resolve this matter. The lender on the Navient XXXX was Navient XXXX XXXX XXXX. Although this week the lender is Navient Credit Finance. I am requesting Navient provide the XXXX number for the " Navient XXXX XXXX to validate that this lender exists and can practice in Massachusetts. Navient Credit Finance is listed as the lender on the Navient which appeared this week as the lender is listed under XXXX XXXX XXXX XXXX although XXXX for Navient XXXX XXXX Loan is not listed on the XXXX website or has an affiliation with that XXXX number. I understand a company may have multiple trade names under XXXX XXXX. Although NAVIENT XXXX XXXX XXXX is not listed. | ||||||
| 10/17/2017 | Yes |
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| The basis of my complaint/inquiry started with a phone call to Navient this evening to help me understand exactly what was happening with my student loans. I have been paying {$590.00} for a while now and I called to find out what some things meant on my account that I had seen on their website. By my own admission, I had never really explored their site before this weekend. I always just went on and made my payment without really looking into all the account links throughout their page. Basically, I was questioning what some of the charges were on the account and the rep was very helpful in explaining them. I asked her how much of my payment is going to interest and how much to the principal balance. She seems a bit confused and said, your interest payments are {$620.00} per month so you arent even making enough to cover the interest now. When I asked her why my payment was less than what was needed, she explained that the plan I am in has increasing increments so I wont likely hit the principal for many years. I was confused as to why it would be set up that way. To me it just didnt seem logical to pay all these years without really making a dent in the balance. I continued to question why my loan was shown to be pain in 30 years when I thought I was on a 10-year program, she explained thats what my program is not the 10 years. To say this was a bit of a shock was an understatement. She went on to say that my payment is set to rise again in about 10 months. When I calculated this, I will not pay these loans off until I am XXXX years old. I will likely pay my mortgage off before my student loans! I also asked about getting a better interest rate to see if that would help the problem. She said that my rate is set by the government and that I might have had high rates prior to the consolidation because they average them out. We talked for a bit and she offered some suggestions for better management. None of them really lower the payment, they increase it but its still a 30-year loan term and none are favorable for me or provide any incentive to pay more than the agreed upon amount. Theres no incentive to pay extra or try to pay off early because I cant come up with a large enough sum to impact the interest and hit the principal. From what I understand, I can send in thousands of dollars and its likely only take a few dollars off the principal due to the interest. I dont understand how this is a favorable loan for a borrower? For example, I send in an extra {$80.00} a month on my mortgage and Ive been told on their website that from doing this over the last few months, I knocked 3 payments of the length of my loan. I was anxious to try something like this for my student loans but it sounds like it would be a total waste of extra money that would be better spent on another bill. In hindsight, if I had been better educated in the beginning, I likely would not have consolidated. I would have worked to pay the smaller loans off first then chipped away at the bigger ones. I was led to believe the consolidation was in my best interest. Obviously, it was not. A while after that, I called to see if I could get a more reasonable payment, and thats where this {$590.00} loan payment came from. Obviously, whatever this program I am in is not the best for me either. In exploring their website, none of the program seem favorable to students upon graduation. How are you supposed to pay these loans off? I have the financial means to make a monthly payment but its as if I am being punished because I found the job that I took these loans out to study for! I am lucky that I have a finally found a fantastic job that Ive been working at for about a year and half, but I will never reap the rewards of this job with this type of loan setup on my education loans. I am not unwilling to pay my debt. I have no problem with paying a monthly payment ; how is this interest even allowed? I think the really amount of my loan debit is half to of what my total balance is these rest is all interest. Is there anything I can do to have more favorable options available to me? Can this ridiculous interest be capped so that when I making almost a {$600.00} payment, some of this money is reducing the loan balance? How is paying 20 years with of interest and 10 years worth of principal payments a fairly structured loan? | ||||||
| 09/12/2017 | Yes |
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| Formal Complaint and Requested Appeal Regarding Student Loan Forgiveness To Whom it May Concern : I am writing in regards to the Public Loan Forgiveness program, the mistreatment and negligence on the part of my loan service providers in relation to my loans, and to ask for the forgiveness of my loans. My objective is that some action be taken to resolve the problem that has been brought to my attention by my current loan servicer, XXXX XXXX. I contacted XXXX XXXX as my recertification of income information is due for my income based repayment plan. It is my understanding, now, that one needs to be on an income based repayment plan and be employed through public service for a payment to be eligible. I did not know that since the time that I started to go into repayment on my loans because I was not informed, despite asking. I was given the wrong information for many years by two loan service companies, XXXX ( now Navient ) and XXXX. It has put me in a situation where I am being told currently, only 47 of my payments qualify towards loan forgiveness, when I have been in public service, employed as a school psychologist, and paying my loans, since XXXX of XXXX. I currently should be qualifying for Public Loan Forgiveness, but because of the misinformation that was provided to me by the companies listed, I am being told that I have another potential four years before my loans are forgiven. This is criminal and unacceptable. I will explain. When my loans entered repayment in XXXX, I spoke to a representative through XXXX. I remember the first conversation clearly because I ended up calling again after speaking with the first representative because his accent was so thick ( he was from XXXX ), that I could not understand what he was saying. This was the person disseminating information to me regarding how I should handle thousands of dollars I was now responsible for after acquiring my education. I was making around XXXX that year and I received a bill for {$1000.00} a month from XXXX. I was calling to get on a plan that wouldnt cost that much a month. I was asking what plans were available that would best meet my needs. I spoke to several representatives in numerous calls through telephone communication. I did the same when my loans were switched to XXXX. I believe I may have had another loan servicer between the two who was equally as negligent, but I can not keep track of how many times this changed. The servicer did not change because of anything I had done. My loan servicers were assigned to me. The question I was asking, repeatedly, was, What is the payment plan I should be on so that I am able to meet other monthly expenses while not paying off the loans for the rest of my life? They had the information regarding my employment and asked me where I was employed. They had the knowledge of the repayment plan I needed and they did not provide it to me. I had asked about the Public Loan Forgiveness plan, they told me about the plan and I was always told that I was, All set. I had no idea that for years I was paying on some kind of repayment plan that would not qualify for the loan forgiveness program. I was never informed of this even though I worked hard to attempt to get the information from them. I do not have a degree in business, I am not savvy on the ins and outs of the loan system and I was relying on the guidance of representatives through SallieMae, now Navient and XXXX XXXX, to assist me in paying off my loans within the shortest time period with the smallest long-term financial cost. The information that was provided to me recently indicates that this is not what has happened. I was deceived by these people and it was my right to know, especially if I was asking the specific questions, what I needed to do to be a part of the Public Loan Forgiveness program. It was the responsibility of those people with whom I was speaking to guide me, to inform me, and to provide the best possible solution for my loans. If I am truly being denied access to loan forgiveness because of the mistakes of my service providers, and the intentional deception of the loan service provider to acquire more of my hard earned money. They created obstacles to repayment by providing bad information, and illegally cheated me out of my right to lower payments, which caused me to overpay for my loans. | ||||||
| 08/12/2020 | Yes |
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| On XX/XX/XXXX of XXXX I sent letters to all 3 credit bureaus, XXXX, XXXX, and XXXX, and Navient to verify the legitimacy of my student loans. I had issues in the past with my payments being late to Navient and me explaining to them I was paying them within the time frame the told me to yet I still always received late payments. After years of receiving late payments, Navient sends me a letter that they had an error on my account and credited me back for my late fees which amounted to hundreds of dollars and enough to cover several months ' worth of payments. With that being said, yes, I do want to verify the legitimacy of all of my student loans with the original promissory notes. I sent certified copies of my Driver License and Social Security card to all 3 bureaus with a letter request verification of my loans and I send a letter with my account information to Navient requesting the same verification. XXXX responded on XX/XX/XXXX showing that they verified my student loans, however, no documentation was provided to me. They also deleted all my old student loan account history off of my report for my old loans - pre consolidation. XXXX responded on XX/XX/XXXX with the same results as XXXX. XXXX responded on XX/XX/XXXX with the same results as XXXX. All 3 stated they verified the accounts were mine, however, failed to provide proof. Navient responded to my letter with a generic statement that they were not able to consider a settlement for my loans at this time and provided me with my most recent loan balance statement?? I then mailed my 2nd request to all 3 bureaus and Navient again on XX/XX/XXXX of XXXX expressing my rights through Section 609 of the Fair Credit Reporting Act that I had rights to my accounts being verified and documentation being provided to me, i.e. the promissory note for these items to remain on my credit and in my name. Navient responded on XX/XX/XXXX providing me a letter and a copy of my documents from when I consolidated all my loans under 1 subsidized and 1 unsubsidized loan back in XXXX of XXXX. Basically stating this was proof of the origination of my loans. XXXX responded on XX/XX/XXXX stating the same thing that they verified the loan accounts were mine yet failing to provide me any documentation showing I signed for the loans. XX/XX/XXXX of XXXX I send my 3rd round of letters again requesting a copy of the original promissory note. XXXX responded on XX/XX/XXXX stating again that they verified the loan accounts were mine, yet failing to provide me any documentation showing I signed for the loans. XXXX responded on XX/XX/XXXX stating their results were the same. They verified the student loan accounts were mine. Still did not provide any documentation. No changes were made to my report. On XX/XX/XXXX of XXXX I received a response from XXXX stating that additional information was provided from the original credit source and they would be deleting my student loan accounts off of my report. All of my student loans were deleted from my XXXX report. I mailed my 4th response to XXXX and XXXX on XX/XX/XXXX. Providing the documentation provided from XXXX showing they had deleted my student loan accounts and I also wrote Navient back thanking them for the reply and the documentation from the loan consolidation they provided the original loan numbers, and to use those loan numbers to provide me the original promissory note for each one. XXXX responded back on XX/XX/XXXX with the same information. Showing the outcome of their investigation verified the loan accounts are accurate and are mine, yet still failing to provide any supporting documentation. No response was received from XXXX. Navient responded XX/XX/XXXX with a statement showing the balance of my loans and a Federal Stafford Loan Master Promissory Note with my information typed in but no signature and no documentation supporting each individual loan taken out. I mailed my final and 5th letter XX/XX/XXXX of XXXX demanding a credit bureau investigation and again providing a copy of the XXXX report showing the student loans were deleted. XXXX responded on XX/XX/XXXX that I have not provided relevant information to support an investigation. XXXX responded stating the same. They would not do any further investigation without proper supporting evidence. | ||||||
| 09/29/2022 | Yes |
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| Dear XXXX XXXX XXXX XXXX and XXXX, Navient Solutions , LLC, and XXXX XXXX and XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Sec XXXX XXXX you are hereby given notice that XXXX XXXX intends to commence a lawsuit against you for ___ $ XXXX plus additional punitive damages due to your Deceptive Business Practices while acting as the Guarantee Agency and/or Loan Servicer for a XXXX Loan Number XXXX during the Covid 19 Pandemic Era. On XX/XX/2020, in the XXXX XXXX XXXX. XXXX, Congress passed the Coronavirus Aid, Relief, and Economic Security Act or the CARES Act. Contained in the CARES Act were provisions for student loan relief for borrowers which granted the Department of Education ( DOE ) the Authority to implement and enforce. The Rule Making Authority provisions were also waived and the DOE issued a series of Dear Colleague Letters ( DCLs ) directing and demanding Guarantee Agencies and Loan Servicers to perform certain actions. XXXX, Navient, and XXXX failed to abide by the CARES Act and defied the Department of Educations directives and other laws, specifically XXXX XXXX XXXX, Navient, and XXXX Violated Dept of Education XXXX XXXX whereby they : a. Failed to communicate rights to borrower b. Failed to Assign to defaulted loan to the Department of Education ( sold loan to Navient and XXXX ). If a loan defaulted during the pandemic and the borrower is working toward rehabilitation, those loans should also be assigned to the Department. c. Failed to assign 0 % interest rate XXXX further sold loan to Navient and XXXX who charged interest and Demanded, performed relentless collection activities. d. Furthered collection attempts through XXXX, XXXX, and Navient while under Covid 19 Cares Act relief. XXXX, Navient, and XXXX knowingly, intentionally, and willingly engaged in unconscionable actions to the detriment of the borrower XXXX XXXX and used Deceptive Business Practices to benefit themselves by failing to assign the loan to the Department of Education as directed by law, but instead further kept the loan in their possession, seeking benefits and monetary gain from credit offsets, reimbursements, interest payment collection, and other DOE Funds. These actions negatively affected the borrowers ability to obtain relief entitled by law, his credit worthiness as reflected in the negative credit reports, and caused extensive financial issues, and mental anguish. As a direct and proximate cause of these actions, XXXX XXXX has suffered financially because he could not refinance his home at the lowest rate in history ( denied loan request due to poor credit score only being negatively affected by inaccurate loan reporting ). Further XXXX XXXX must now enter a loan modification at 6.5 % at the highest point in many years which effectively causes {$170000.00} worth of additional interest over the span of the mortgage loan. This could have been prevented if not but for the selfless actions of XXXX, XXXX, and Navient to not transfer the loan back to the DOE and remove negative trade line reporting as directed by law. Further Fair Credit Reporting Act violations occurred because XXXX XXXX disputed the negative information directly with XXXX, XXXX, and Navient whereas they failed to investigate and prove accuracy of what they were reporting. Other violations and causes of actions without limitations will be pursued against all parties : 1 ) Breach of Contract Rehabilitation 2 ) Breach of Contract Original Loan Agreement 3 ) Breach of an Implied Warranty of Authority- a. Navient and XXXX purported to " enter into a contract '' with them on behalf of the Department or " to take some legally significant action '' on behalf of the Department and service the loan. 4 ) Tortious Interference with Contract 5 ) Breach of an Express or Implied warranty 6 ) Breach of Fiduciary Duty, Fraud, Negligence, and Negligent Misrepresentation as stated in the contract 7 ) Unjust Enrichment 8 ) Penal Code Section 32.45 ( misapplication of fiduciary property or property of financial institution ) 9 ) Loss of the benefit of the bargain XXXX, XXXX, and Navient knowingly and intentionally sought monetary gain by its Deceptive Practices and not transferring the loan to the DOE and preventing needed Covid 19 relief to borrower. | ||||||
| 10/15/2017 | Yes |
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| In XXXX XXXX, I moved from XXXX to XXXX, TX. I previously had services set up through XXXX XXXX XXXX ( XXXX ) utilities. After not receiving a final bill, I called XXXX to check on this status of my account. XXXX told me that my account was still active, but that they would close it out and send me a final bill for the account. Towards the end of XXXX, after still not receiving my final bill, I called XXXX again for an update. In XXXX or XXXX, I received my final bill from XXXX indicating my last bill was {$500.00}. I did not understand why my bill was so high, so I called XXXX for an explanation. All XXXX would tell me at the time was that the bill was a reflection of the last two months XXXX XXXX and XXXX XXXX usage. I asked how I could have accumulating {$500.00} worth of services in two months, and the explanation was simply that " this is what the meter showed. '' XXXX and I went back for a couple of months regarding validation of this debt, to no avail. I told XXXX I would not pay the debt until I received validation showing where the {$500.00} of debt came from. In XXXX or XXXX XXXX, I received a call from Municipal Services Bureau ( MSB ) regarding this debt. MSB claimed they had been trying to contact me since XXXX XXXX regarding this debt. When I asked when they called or if any letters were sent, the response was that they attempted to call but did not leave any voicemail messages. I told MSB my issue with the debt, and again asked for validation. MSB never sent the validation, so I again asked for it. MSB indicated they would send over documents verifying the debt. Instead, I received my XXXX XXXX statement from XXXX indicating that my final bill was {$500.00}. The bill again showed that I had a balance of {$350.00} going forward, and that my last bill balance was {$140.00}. I told MSB this still did not explain to me where the balance came from or how I amassed the debt. I contacted XXXX again in XXXX and XXXX XXXX after receiving more calls about the debt. On XXXX XXXX, XXXX, around XXXX, I spoke with another XXXX representative regarding the debt ( XXXX indicates that calls are recorded, so they can verify ). The representative told me about the outstanding debt, and informed me that he would send me document that would definitively clear up where the debt came from. The documents the representative sent me, included with this complaint, are the XXXX and XXXX XXXX statements. The XXXX statement shows that {$190.00} was due. There was no explanation of how the previous balance reflected on the XXXX XXXX statement reached {$350.00} if the XXXX statement said the balance due was {$190.00}. I again called XXXX about how the documents still did not explain to me where the debt came from. Finally, this second representative and I were able to piece together the XXXX balance. There had previously been a payment arrangement on the account. When the account was closed in XXXX XXXX, it accelerated what was left in the payment arrangement and made the amount due. In addition, my security deposit was cleared out and applied to the debt. After the acceleration/XXXX balance/XXXX balance were added and the deposit subtracted, the new balance was {$500.00}. This explanation does not appear anywhere in the statements or the documents provided by MSB or XXXX. Currently, I have a derogatory collections mark on my credit reports from MSB. As a consumer, I had no way of knowing where this debt came from based on the validation provided by XXXX and MSB. Despite multiple conversations ( all verifiable by the companies ) with XXXX and MSB, no was able to explain to me where the debt came from until I spoke with the second representative on XXXX XXXX, XXXX. My challenge of the debt was valid, as nothing turned over by COA or XXXX explained to me how I amassed the debt. Despite not receiving any written validation of the debt and a valid challenge of the debt due to the information provided, I now have a derogatory mark on my credit report for a collections account. I even attempted to do the right thing and pay off the debt, despite not understanding where the debt came from, all in an attempt to protect my precious credit report. If CFPB will examine the documents provided by XXXX, there is no explanation for the substantial increase in the balance from XXXX to XXXX. | ||||||
| 01/19/2022 | Yes |
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| Here is a brief history about my student loan. I was admitted to XXXX University 's XXXX school to pursue an XXXX XXXX in XX/XX/XXXX. At that time, I had a well-paying job, and my employer ( XXXX XXXX ) promised to pay part of my tuition based on my employment. When I was graduating in XX/XX/XXXX, first, I lost my job, and then due to the financial crisis of XXXX, it took me more than 18 months to find a job. During this time, Navient continued to accrue interest while putting me on extended forbearance. I had two loans with Navient, and family friends cosigned both loans. One of my cosigners filed for bankruptcy protection in XXXX. My second loan was paid off by my cosigner in XXXX. Since XXXX, I have been in and out of jobs, and Navient continues to accrue interest on my student loan without offering me any other solutions, things as ; Income-Driven Repayments ( IDR ) and Unemployment Deferment. Not only have I been harassed by your company 's predatory practices, but also my loan has ballooned to $ XXXX. I lost my job due to COVID-19 in XX/XX/XXXX and unable to find anything since then. I started XXXX for XXXX and XXXX and making about {$2000.00} a month. I filed for the Supplemental Nutrition Assistance Program with the State of Texas and currently receive $ XXXX. Additionally, my cosigner had consistently been harassed by having more than six robocalls phone calls as early as XXXX XXXX and as late as XXXX XXXX, and he has received 26 emails about my loan forbearance since XX/XX/XXXX. My cosigner and I have recently ( Friday, XX/XX/XXXX ) spoke to one of the case managers ( XXXX XXXX XXXX XXXX and were told that we would receive all the details about the status. However, my consigner and I have not received anything from XXXX XXXX as she promised. This is consistent with all the deceptive practices and repeated lies Navient has used against me. Whenever I was in financial difficulty, and I reached out for some relief, the Navient staff, rather than offering me some genuine relief ( like IDR or other means ) they forcefully pushed me in accepting their standard predatory forbearance action ways for an extended period for the original loan amount ballooned to 150 %. My last forbearance expired XX/XX/XXXX. Since then, Navient office has brutally harassed my consigner and me via robocalls. My consigner 's harassment reached the point that Navient office located his XXXX mother ( XXXX years old ) who resides in Texas and demanded that she make a payment in the amount of {$1200.00}. This predatory practice is not just immoral but criminal. As you may know, there has been a case XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX ( XXXX. XXXX XX/XX/XXXX ), in Navient was ordered to compensate {$500.00} per robocall in this case. On XX/XX/XXXX, Navient reported the consigner and me to the credit bureau. This action has resulted in my and the cosigner 's credit score docking at least XXXX points. Furthermore, during our discussion with XXXX XXXX, she clearly stated that my account would be given to the collection agency likewise harm me and my cosigner. This docking my credit score has denied me a job offer at XXXX XXXX bank near me. My student loan originated in XXXX XXXX, California, and Navient Corporation has recently settled a lawsuit with 39 States, including California. XXXX XXXX, I do not wish anybody to go through what I have been going through right now in particular and for the last few years in general. I am asking for some human and financial relief from Navient immediately. If you don't respond to my needs, then you will force me, and my cosigner leave no choice but to seek relief under the lawsuit settlement passed against you and your company by 39 States Attorney Generals. I would like to humbly request your office to please provide some permanent relief as at the age of XXXX, I am starting to lose faith in the job market, and with current economic conditions, it will be tough for me a find suitable employment in a very near future. Also, I need to release my consigner from my loan. As a first, I wanted to make sure that this is not going to send to a collection agency along with credit reporting agencies. I look forward to hearing from your office. Please do not hesitate to contact me with any questions you may have in the meantime. | ||||||
| 12/14/2018 | Yes |
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| I graduated from college in XXXX of XXXX. At the time my loans, both private and federal were finnanced through Sallie Mae, totaling around {$160000.00}. With the collapse of the economy in the fall of XXXX and employment opportunities limited, I was unable to secure employment in my field but was able string along a variety of odd jobs to make ends meet. My income at the time was barely enough to live on forcing me to move back home with my parents in an effort to save money. Even then I still couldnt afford to make the required student loan payments to Sallie Mae. I needed to put my loans into forbearance till I could afford to begin repayment. After two years of this I finally was able to land an internship in my field. Along with the internship I continued to work side jobs and was able to restructure my payment plans through Sallie Mae. I began an interest only repayment program on my private loans and was able to defer some of my federal loans. While going through this, my debt was continuing to compound and grow but there was little I could do or afford to mitigate the growth. I did the best I could in managing my debt and after a year of interning I finally secured full time position in my field. Now armed with a decent salary I was ready to attack my student loan debt. I still continued to live at home with my parents in an effort to maximize my student loan repayment. Once again I restructured my repayment program. I quit the interest only program and begin making full payments towards my student loans. By this time though the damage had been done. My original debt of {$160000.00} had ballooned and skyrocket to {$240000.00}! Throughout this time Sallie Mae had made things difficult when it came to managing my loans. It was almost impossible to direct over-payments towards specific loans that allowed me to best pay down my debt. Either through their website or via the representatives over the phone, their allocation system was convoluted with seemingly no rhyme or reason. It seemed my loans were in a constant state of flux and I would regularly incur late fees which only added to my debt. Because of this state of flux myself and my family members would be constantly badgered by phone calls from Sallie Mae collection representatives. Some of my family members had no connection at all to my loans but were still roped in. As I continued to try and manage my debt the status of my loans constantly changed. From phone call to phone call with Sallie Mae I would get a dirlfferent stories from their reps. That too was s problem, each call was with different representative, there was never a way to deal with the same person each time. The only consistenticey in all of this was the constant state of flux and badgering phone calls. At some point I restructured my repayment plan and entered into automatic repayment for most of my loans, both federal and private. My account has since changed from Sallie Mae to Navient. It is is now XXXX and I have been repaying my student loans now for 10 years. After 10 years of repayment I have finally reached my initial balance of {$160000.00} that I graduated with. This debt has been debilitating. The dream of home ownership and starting a family is just that, a dream. This burden will continue to haunt me for another 10-15 years till it is paid off, a far cry from what I originally signed up for with Sallie Mae. Choosing to use loan Sallie Mae/Navient to finance my education has been an absolute nightmare. It is almost like signing a deal with the XXXX. To me they are nothing more than a glorified, legalized loan shark, that the government has empowered and allowed to prey on the masses. Thus far Sallie Mae/Navient has made almost an extra {$100000.00} off me, and at this rate I will end up repaying nearly double of what I initially borrowed. Yet there is no help for me and others like me. We are limited in our options. Claiming interest for taxes is capped at {$2500.00}, and dependent upon income, so in some cases not allowed to be claimed at all. There is no option of bankruptcy unlike most other debts. We are simply at the mercy of the lenders. This is not a cry for total loan forgiveness by any means, all Im looking for is to make things fair and equitable and to give myself and others like me a fighting chance. | ||||||
| 11/26/2017 | Yes |
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| My account with Navient has been persistently ill handled for more than a year and I would like to seek advice on taking legal action against the company in addition to filing this complaint. Please ask the company to pull the records of these interactions. This complaint is comprised of three serious incidents, cumulatively costing me hours of time and persistent distress. It is worth noting at the outset that there is a very long and cumbersome automated system that one must navigate through each time they call the company. Having to call the company multiple times over the same issues amounts to a total disregard for the time of borrowers, who are supposed to be clients of the company. Issue one : incorrect enrolment in rate reduction program with fault admitted by the company. In early XX/XX/XXXX, I enrolled in a rate reduction program with the company. Unfortunately, the employee who set up the program did not set it up correctly. In XX/XX/XXXX I called back and found out that my loans had not been paid and that there were late fees. I was enrolled in a less favourable program than the contract which I had agreed with the Navient employee. I was told this was because the employee was not in the correct department to set up the rate reduction program, and therefore had made a mistake. They apologize that they could not honor the terms of our verbal contract. Issue two : incorrect reporting to credit agencies. In XX/XX/XXXX, I called Navient and after noticing on my credit report that they had persistently described my loans as unpaid for a period of more than six months to credit reporting agencies. After calling them they admitted that my loans were in fact current and that I had made all of my payments on time according to the revised rate reduction agreement. They could not provide an explanation for the incorrect reporting but told me that I would need to wait at least 30 days for rectification. Issue three : Failure to process payment correctly. Having lost my patience entirely with dealing with Navient and their callous disregard for customer service or integrity, I sought the private refinance of my private loans. In order to do this, the company providing the private refinance provided their corporate account details to Navient and in order to take the payment. Having noticed, that the money was not withdrawn from the account we called XXXX and approximately one week later to ask about the status of the repayment. At this time they said that the payment was fully received and congratulations on paying off my loans. To which I specified that I had not paid off my loans but that it was a private refinance in order to avoid having to deal with their company in the future. In the course of this conversation I asked him for the second time to send me the proof of repayment, which they had not emailed me after my first request when we had given them the payment information. A few days later, I was contacted by my personal bank as Navient had tried to withdraw the sum of {$63000.00} from my personal account, despite confirming on two separate phone calls that they had the correct banking details for the corporate account and that the loan had been paid. Today, I was contacted being told that my loans were late and that I was going to be charged late fees through an automated system. It goes without saying that the proof of payment was never received. At this moment, I am going to have to call Navient back, spend more than 1 to 2 hours on the phone, give them payment information that they have already received, get a confirmation number again, request proof of payment again, and then wait to see if theyve actually processed it correctly this time. I can not believe that such a company is empowered by the United States government to handle education loan processing if they were subject to the discipline of a competitive market they would surely be out of business instead they profit by taking advantage of students. I am aware that the CFPB has already sued Navient for similar behaviors and it must be admitted that these issues persist and the cost of the failures being born by borrowers. PS I have attached screen shots of Navient reporting of my student loans on XX/XX/XXXX ( showing all paid ) and XX/XX/XXXX ( showing past due amount ) | ||||||
| 11/27/2018 | Yes |
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| I had been on an IBR payment plan based upon my previous employer. My payments were between $ XXXX {$20.00} a month. I reapplied for an IBR my account came up for renewal. I received an email stating it was time to renew my IBR repayment plan and I immediately submitted all documentation. Upon submission I noticed a few days late that I had an outstanding balance that was due. I called and no one could tell me what the balance was for. Im finally representative explained to me that whomever setup my payment plan didnt do so for a full year, but only for 11 months which is why I owed the amount. I was never told this, explained that there were only 11 months, nor did any documentation received state that. I had been on repayment plans before for my student loans and they were all for a minimum of 12 months. I feel like this was done intentionally. Second, I had began working for a different company XX/XX/2018. When I applied for the IBR my repayment was about {$200.00} a month as the company said my income had increased by more than {$16000.00}. My income went from {$34000.00} annually to {$45000.00} but since my taxes have my adjusted income for my previous employer at around {$29000.00} and no adjsted income for the new income yet, including the few months at my previous employer, it looks like I received a {$16000.00} increase. The representative that I spoke with acknowledged that was the issue but said there was nothing that could be done. I advised that 1. ) I would not work a full year with my new employer prior to tax season, 2. ) my pay increase was only about {$10000.00} more a year, 3. ) i was told they could not use my adjusted income until I file taxes next year so even though my repayment is based on an incorrect number there is nothing they can do until my income tax is filed. I was advised by a representative in XXXX of 2018 to consolidate my loans as that should drop my payment low enough since they could not make adjustments for 1 ) not working a full year at my new employer, 2 ) not factoring in the lessor income received the first almost 5 months of the year, 3 ) not factoring my expenses for the month including child care, 4 ) not taking into consideration that I receive governmental assistance to support my XXXX small children as I am a single mother ( my children receive XXXX assistance for food and XXXX Medicaid for medical benefits ), and 5 ) they wont factor in adjustments that will affect my income. I began the consolidation process and was told it would take up to 60 days. I monitored every update via the Navient app. My request was approved in a little more than 30 days however my new payment was due within less than 2 weeks after approval. It was all finalized and approved around XX/XX/XXXX and my payment was due XX/XX/XXXX. This brings me to customer service. As soon as I saw this I immediately sent an email to customer service on XX/XX/XXXX. Over a week later, 2 days before my due date, I received another generic response that barely addressed my concern of the short notice of making the payment and their response was wel after the due date. The reply does not even contain the original message. This seems to be recurring. I have submitted several requests, questions via email as paper trail and proof seem to be the only thing that holds up and I have constantly received generic responses that do not address my concerns thoroughly and are responded to so late that I forget the original request. I can not even reply to the representatives response. I followed the generic response of looking into repayment plan options but I am not eligible for any of them. This leaves me at square 1. I am very irritated with all of this. I will essentially have to make the large payment until I file my taxes in order for my adjusted income to be considered. I can not afford to pay anything over {$50.00} a month and feed myself and children. I would have to sacrifice food/gas in order to pay my student loan amount listed. If that is my choice food/gas will always win as I have children to care for. I do not know what to do. I can make the payment in the amount I can afford each month but I will always have a balance forwarded. And Im still trying to understand when did the payment plans/options go from 12 months to less than 12. | ||||||
| 04/23/2019 | Yes |
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| Navient has been servicing my subsidized and unsubsidized loan for about ten years. During financial troubles they were very fast to put my loans on forbearance, which is fine because even though my balance was skyrocketing due to interest it was helping at the moment. Since I have been stable with a job and able to payback the loan I realized that out of $ XXXX monthly payment only {$7.00} was going towards the principal. With my balance being close to {$40000.00} it would take forever to pay this loan so I asked family and friends for a loan to help me pay this off so I wouldn't be trapped into paying interest forever to Navient. On XX/XX/2019 I called Navient to ask for a payoff amount around XXXX. The lady on the phone advised me that I would receive it in 2 to 4 hours, which I did not. The following day on XX/XX/2019 I received the letter from Navient saying that my loans can be paid in full for {$36000.00} if the payment is received by XX/XX/XXXX. Also to the side of the letter were the hours that I could call which were Mon-Fri with no Saturday or Sunday hours. After showing the letter to a friend who agreed to lend me the money to pay off the loan, I called Navient first thing Monday morning and asked them to pay off the loan and I was advised that the balance was {$39000.00} and not {$36000.00}. After advising the representative XXXX XXXX that I had received a letter she denied that Navient had sent the letter. I asked her log in to my Navient account and look at my inbox and see the proof. After logging in XXXX saw the letter and read it aloud with me and said yes the letter was sent however I had to pay that amount by XX/XX/XXXX and that Navient can no longer honor it. I advised XXXX that I received the letter on XX/XX/XXXX and she can see the date on my inbox. I also advised XXXX that according to the schedule on the paper Navient does not have Saturday hours so i could not call over the weekend. XXXX replied by saying that they are there on the weekends and that I should have called. She asked me to send proof by uploading and that they would review it with her supervisor XXXX XXXX and get back to me. I asked her to stay on the line while uploaded and review the documents with me on the line because I didn't have faith that they would call me back. After reviewing the documents XXXX did agree with me but said that they would have to look into it further and get back to me. I asked for a direct number for her supervisor XXXX XXXX and she provided me with XXXX. I waited until XXXX no one called me back so I called Mr. XXXX and he did not answer. I called again at XXXX and left a voicemail and again he did not answer. At XXXX I called Navients main number and another representative XXXX XXXX took my call after explaining everyhting to XXXX she advised me that The payoff amount of {$36000.00} can not be honored because it was not paid by the XXXX even though I received the letter on the XX/XX/XXXX and according to Ms. XXXX my loan had accrued {$3000.00} in interest over the weekend when I asked her if that made any sense to her she said yes. After XXXX spoke with her supervisor, XXXX XXXX, who apparently listened to my previous calls she said that there is nothing that they can do and I should just pay the {$39000.00}. XXXX transferred me to XXXX who reviewed my case. i asked her how come no one called me back she said she tried to call me right before I called Navient but my phone was not accepting calls, which is a lie, because I specifically called them from my office phone knowing that at this point they would find every excuse not to deal with me and help me pay my loan off. After XXXX advised me that she listened to the calls and what was said I requested for her to send me all three of my phone call recording so we can listen to it and find out what was said, not surprising XXXX refused. I asked her that if she is quoting my calls i have the right to have that recording, because I would approach this with legal action, she didn't seem to care and told me to get a subpoena. After reading about the sleazy ways that Navient deals with all the students who are paying loans I decided to payoff the loan amount of {$39000.00} today XX/XX/2019 so it does not accrue anymore interest, but continue my fight with Navient the predator. | ||||||
| 11/10/2017 | Yes |
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| Two-legger, add this onto the complaint I filed earlier this year in XXXX, I believe, against Navient. For effect, please play XXXX 's " XXXX XXXX XXXX XXXX '' while reading this Recall : Navient abandoned its position of loan host in the middle of my degree, then threw my loan into default, when it was supposed to be in deferment while I attend XXXX XXXX in PA. They claim they have me listed as exiting XXXX XXXX. They did this to me a decade ago, too. In XXXX they cancelled my loans when I was about XXXX classes shy of a degree at XXXX. And English degree. I would have saved more money if I had bought a bottle of XXXX and a shovel, dug a hole and jumped in it. Now, flash forward 13 years and they cancel this round of education about five classes shy of a technical degree to address a gap in professional skills. That is XXXX on a student. I make {XXXX XXXX while in school and pay rent on a place. I make XXXX a week. I want this degree asap so I can go back to work! XXXX grant, sciencing, much brain, very try. Navient prince of darkness, made sure grad school was an unpleasant choice a decade ago and also ruin my chance now at getting an advanced degree, of which I am obviously capable of getting. Now they blow me out of the water 3/4 though a work-study under a XXXX grant. I reported their lack of tact and questionable analytics in the hopes I could find out why they chose to back my loan in the first place, again, and then terminate it short of order. My question was never satisfied. Why did they give me a loan and cancel it before I received my degree? Why again? My home was foreclosed in XXXX when I was laid off because I was out of step with technology, went back for retraining only to run into this goofy loan servicer again. Them throwing my loan into default further hurt my chances of even getting a cosigner on a loan. The arbitrary amounts slay me, oh you hit the limit that we made up, XXXX. The return should be a derivative of the student hiree, and Navient knows that. It 's like panning for gold. No one wants the mountain. You have mountain until you have degree. Degree is gold. Navient says, ok, mountain is good. So, I was sad that they dumped me without my tools in a mineshaft and said I needed to get the gold chop chop, and that I would be likely to get a degree and pay back my principle was nothing to them but a wash in a pan, but I did n't have pan! No pan, amigo, es no bueno. Why should n't they have a biased incentive to see me pay this outrageous tuition back? I paid my loans when I worked before. I will pay them again, but, three months after " putting my loans in default " they have written me a letter to acknowledge they received my initial complaint I filed with CFPB. They also resumed sending me email at XXXX XXXX and stuff like that, classy. AND they also said I start paying them back in XXXX based off of ... I was curious, so I called them. If they were n't servicing my loan, why were they doing proactive denial of service communication and why expect green stacks in XXXX? I called and explained my query. The rep said records show I graduate in XXXX XXXX. I said why so because the school knows I do n't graduate until XXXX XXXX. We ( Bursar, fed aid office, Dean ) went over paperwork in XXXX when I filed for a XXXX loan. Because Navient quit helping, and started shoving. The rep admitted the school was due to file this paperwork in a month or so, but I could speed it up by going to campus to demand the paperwork before they would normally release that to them. Shocking. Shoving again. I asked if the info that lead to the conversation was meaningless because the school would update it and invalidate the reason for the letter or my call, and the rep said yes. So it was not really necessary, I asked, for them to send the letter or for me to go to school and make them file paperwork that would be invalidated in a month and the rep said no, there was no reason to do anything or make the school do extra work for nothing, no, the rep said, no there was not. I said I would add this to my complaint. And now I can go back to trying to find a job because I am squared away with my engineering studies and need to find a way to make more than XXXX a week at my fantasy college job. XXXX, and thank you, XXXX XXXX | ||||||
| 02/19/2018 | Yes |
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| My loan payments were applied incorrectly, despite my instructions. Now my account is 73 days delinquent. I have been working at XXXX XXXX XXXX, in a public service XXXX job since XX/XX/XXXX, and my minimum payment under the XXXX program is {$360.00}. My account should now have an overpayment, but because my payments were incorrectly applied by Navient, I am in default. My loans are at about {$240000.00} and my only way to repay them is to have them forgiven through XXXX XXXX XXXX XXXX after the 120 months of qualifying payments. I spoke with Navient, my servicer at the time, on XX/XX/XXXX, to make sure that a payment from the XXXX XXXX XXXX Award that was greater than my minimum would be applied towards future payments, and not go to interest. I explained that this was what I wanted, because I knew I only needed several months of payments covered by Americorps, as my law school has a loan assistance program that would kick in later. I also stated that the XXXX XXXX XXXX XXXX XXXX employer certification form at page 4 specifically said it was possible, and I wanted to make sure I requested the loan payments correctly. That payment schedule also appears to be required by law, at 34 CFR 685.219 ( 2 ) ( attached ). Navient confirmed yes, that if I made a payment larger than my minimum, that additional amounts would go towards my future minimum payments. I then made XXXX payments of {$2500.00} each, which were received by Navient on XX/XX/XXXX and XX/XX/XXXX, because the address that Navient provided was different than the address that XXXX had on file and I wanted to make sure at least XXXX payment went through so that I was not delinquent. Both payments went through. After I saw that both payments went through, I asked Navient to refund XXXX via calls and letters. However, they never refunded either payment. They said I needed to provide the bank account information and check number for the {$2500.00} from XXXX. I could not do that, for obvious reasons, though I did try calling XXXX to see if they could write a letter ( they could not ). The more pressing issue is that Navient also did not apply either of my payments the way that I requested ( and which appears to be required under 34 CFR 685.219 ( 2 ) ), by dividing the payment into multiple monthly minimum payments of {$360.00}. In XXXX, my XXXX application to the XXXX XXXX XXXX XXXX program was approved, and my loans were switched over to XXXX. XXXX could not see any payments from Navient, and told me my loans were in default. However, they told me to wait, because the payments would eventually show if I had made them. Eventually, the Navient payments showed up, but they had been applied in full towards interest in XX/XX/XXXX. XXXX then needed me to make additional payments to keep my account current. Throughout XXXX, XXXX, and XXXX, I called, wrote, and faxed documents to XXXX and Navient to try to resolve the issues above. However, XXXX said they can not adjust the XXXX payments because Navient has to do that. Navient said they can not adjust the payments because the account is not with them. By XX/XX/XXXX, I was about {$1900.00} in default, even though I had paid {$5000.00} and my monthly minimum payments are {$360.00} under XXXX. My law school program had kicked in, so I made a third payment of {$890.00} on XX/XX/XXXX from my law school 's repayment funds and since I was worried about negative credit reporting, I released a fourth payment of {$1000.00} on XX/XX/XXXX from XXXX. In total, I have paid {$6900.00} towards my loans, even though only {$1800.00} should be due ( 5 months at {$360.00} ). Thus, I have overpaid my loans by {$5100.00}, but am still 73 days delinquent and am at risk of negative credit reporting and I currently will not have 4 months of public service work counted towards my XXXX qualifying payments under XXXX XXXX XXXX XXXX. In late XX/XX/XXXX, I learned that Navient has a consumer advocate, so I made a complaint to them. I explained the situation and they responded again that there is nothing they can do. They sent me a letter today XX/XX/XXXX, explaining the same things described above. Their position is still that there is nothing they can do. I need someone to simply update my account to apply the payments as intended. | ||||||
| 07/29/2019 | Yes |
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| A recruiter from XXXX XXXX, XXXX XXXX, NY was recruiting at my high school. I was scheduled to graduate high school in XX/XX/XXXX. I was a ward of the NY state court. Unfortunately, I had no parents or family members. However, I knew after graduation I wanted to go to college. However, did not know how I was going to pay for it? XXXX XXXX offered financial aid and stated because I was a ward of the state. Tuition cost would be fully covered my first year through federal grants and financial aid. There was no need for me to worry. I agreed at that time and signed up to go to XXXX in advance. I had already moved into the dorm in XX/XX/XXXX and was a student. Approximately a month into classes, I was told I could not attend classes. In order to continue my classes. Financial Aid had not posted. I would need to take out a loan for total {$6600.00} and had me fill out the paperwork to reflect {$6600.00} with Sallie Mae. While I awaited financial aid. Actual loan after financial aid finally posted loan amount was {$2600.00}. XXXX Financial Aid Dept. explained my financial aid still did not cover my full tuition and awarded amount wasn't enough. Having no where to go and no family. I agreed to the loan amount {$2600.00} instead because I had no choice. When I inquired about how much financial aid actually awarded, I was never answered. I inquired in person, writing, etc. XXXX never provided awarded amount I was awarded. However, when I called Federal Student Aid and inquired. Rep explained you are a ward of the court, should not have had to take out any loans your first year and you qualified for full amount that would be awarded to anyone with your circumstances. XXXX College never provided that amount and would not. On XX/XX/XXXX. Sallie Mae Servicing Lender who was the initial lender of this loan notified me of refund in the amount of {$1000.00} was received from XXXX College and was not sent to me but posted to my Sallie Mae Account on XX/XX/XXXX from {$2600.00}. However, Sallie Mae NEVER applied nor " posted '' this amount to the total owed for that loan balance to reflect the difference in lesser balance owed to them. The initial balance owed back to Sallie Mae for loan taken out was {$2600.00} and {$1000.00} was refunded paid back to Sallie Mae from XXXX College. On XX/XX/XXXX, XXXX XXXX XXXX XXXX also transferred a {$1800.00} balance of that loan to Sallie Mae. None of these amounts reflect the total balance owed to Sallie Mae, neither has Sallie Mae Servicing Center corrected any of these issues but it was presented to them countless time from XXXX to XXXX. Sallie Mae did not stop their fraudulent activities there nor did anything to correct them. On XXXX of XXXX I wrote a letter to Sallie Mae expressing to them why I requested the loan amounts be corrected. My home suffered a 6 alarm fire, I lost everything and had to start all over again. There was a loan that was cancelled in their system on XX/XX/XXXX and I received confirmation letter from SMSC they removed it from my account dated XX/XX/XXXX and it was removed from bottom of letter where it list borrowers loans. However Sallie Mae figured out a way to incorporate this amount back into total balance owed to them via interest. On XX/XX/XXXX I received a letter from SMSC stating account has a total of {$4700.00} capitalized interest on it. Interest rates were always whatever Sallie Mae wanted them to be at the time. Regulations were not followed and regulatory caps on interest rates were ignored by Sallie Mae. The more I complained in addressing these issues the higher the interest rates. If you notice on attached interested rates were always higher at the bottom. After taking advantage of me and never correcting balances owed to them. My loans went into default with SMSC having never corrected amounts owed and suggested I do a loan consolidation. I did. When that loan consolidation was completed with XXXX XXXX XXXX. Which caused all beginning balances during consolidation to be incorrect to begin with. On XX/XX/XXXX Sallie Mae refused to correct because they were paid all wrongful amounts and funds stated to be owed to them through recommended consolidation. Necessary corrections SMSC stated they would make were never made by SMSC to reflect actual balances owed to them. | ||||||
| 11/19/2018 | Yes |
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| I submitted documentation to Navient for the recertification of my Income Based Repayment plan ( IBR ) on XX/XX/2018. When Navient received this information they miscalculated my payment and charged me too much. Before realizing the payment was incorrect, I made the requested incorrect payment amount of {$250.00} on XX/XX/18 and again on XX/XX/18. I then realized the payment was incorrectly calculated, and on XX/XX/18 I called Navient to have it corrected. I spoke to XXXX - XXXX, who agreed that the payment had been calculated incorrectly. Recalculated the payment for me and estimated that the new payment would be around {$140.00} and would be fixed by my next payment due XX/XX/18. She also said that because it was Navients mistake, I would either receive a refund for the overpaid amount or I could credit it to my current payment, whichever I preferred. I stated that I would like it credited to my current payment. She said this would be completed within 7-10 business days. She apologized twice for Navients mistake and showed appreciation that I kept a close eye on my account. She was very kind and helpful. On XX/XX/18 the account had not been credited the overpayment towards the current payment. The new and correct IBR payment of {$170.00} had been calculated and now reflected on the account, but not the credit for the overpayment amount. I called Navient and spoke with XXXX XXXX who said there was a late fee on the account, however no late payment was ever made. She submitted a request to remove the late fees as well as again requested to apply the overpayment to the current balance. The difference between the {$250.00} that I paid in XXXX and again in XXXX and the {$170.00} that I should have paid based on the correct calculation of my IBR was then {$79.00} per month for a total of {$150.00}. We discussed this, and she assured me that the {$150.00} would be applied to my current amount due by XX/XX/18 at which time I would owe {$16.00}. She was helpful and professional in her interaction. On XX/XX/18 the account had still not been credited that overpayment amount to the current payment due, so I called again and spoke to XXXX XXXX who said that late fees totaling {$37.00} were refunded and insisted that there was no other money that Navient was to pay me. She was very unhelpful and unable to understand my explanation of the concerns that I had, she was unprofessional and frustrating to talk with. I requested to speak to a supervisor and was transferred to XXXX XXXX. I explained the situation, as well as what I had been told as described above, and he said that Navient does not have a policy of backdating mistaken calculations of payments on accounts, and I would not receive a credit toward my current payment for the overpaid amount. I was very frustrated and he was not polite or helpful and treated me poorly. At this point my concerns are twofold. First, this is Navients mistake. One that their representatives agreed to and apologized for on multiple occasions while making it clear that they would remedy the mistake in a specific way they would credit the difference between the overpayments and the correct payments ( for a total of {$150.00} ) to my current payment due on XX/XX/18. They did not do this and are now refusing. This is poor customer service, poor business practice, an outright misrepresentation, and unethical not to remedy their mistakes as they have committed to do so. It is also unacceptable not to be willing to remedy their mistake at all, stating it is not our policy. Their mistake should not cost me {$150.00} that I can not get back. Second, the IBR is a federally directed program with a very fixed means of calculation that is not novel to Navients experience. There is no reason this should have been miscalculated. My understanding from reading online is that Navient has a history of overcharging and mischarging consumers in this manner in order to take more money than they are owed. I am deeply concerned for other borrowers who may not have the time, means, or understanding to make sure that they are being charged correctly by this company. In the past 15 years I have had repeated problems with this loan servicer not charging as they should. Again, this is an unethical and unacceptable practice. | ||||||
| 07/03/2018 | Yes |
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| I have previously submitted a complaint about how Navient lost my loans for about 7 years. Since they told me for all those years I do NOT have a loan with them, I called almost every time I received a bill from them. They kept saying the account number I gave them ( that was on the invoices with my name XXXX either did not exist, or belonged to a male. After so many years we figured out my SSN was incorrect. I had sent in a copy of my SSN card 10 times over the last 2 years and they finally changed the information. Now they want me to start paying on the loans ( which I am more than happy to! ) but including the XXXX in interest accrued over the years they kept claiming I did not have a loan with them. Another issue is that they reported these loans after finding them to my credit report ... TWICE! One loan with an old account number and the same loans as delinquent with a new account number. This dropped my credit score XXXX points! Yes, XXXX! I have received a text from Navient asking if I wanted to go into forbearance by responding YES, I did not respond but received a text moments later saying 'thanks we will put your loans into forbearance '. I received a response from Navient only saying I signed off on the loans and the debt is mine. I agree the original debt is mine but nothing addressing the issue of lost loans and interest. I called the woman back who responded stating she did not answer my question or come close to resolving the issue. She said there is absolutely nothing that can be done and she refused to help me. I have spoken with lawyers saying this is illegal band I do have a case. I am trying to get this resolved with Navient before taking the time to file a lawsuit. Current issues summarized so Navient can respond to each point adequately this time : 1 ) Loans were lost for about 7 years in which Navient repeatedly stated I DO NOT HAVE A LOAN WITH THEM and accrued XXXX in interest. I tried for all those years to find my loans but Navient were the ones who could not find the loan, not me. I will pay what is owed but the not the interest for their error. 2 ) Once it was identified that the SSN was incorrect I sent in 10 copies ( very worried where my number ended up ) by fax and took almost 2 full years to fix. I do not think I should be charged interest for the years NAVIENT couldn't figure it out, again. 3 ) My credit score dropped 170 points ( while I started looking for lenders to buy a house, that is out of the question now ). All the errors have been on Navients end. I would like all loans to show as current until everything is resolved since I am showing weekly I am trying to get these loans taken care of. 4 ) If I find that my loans where put in forbearance from the text messages, that is illegal and have all rights to sue and can win. I am unable to check the status since the I am constantly asked to start a new account online since my account is never found online. With my newest account number given, my birthday, my social, anything. Navients ' online portal never recognizes me two times in a row. I need to constantly call in to get my password reset since I get locked out. Any time I hit forgot password to reset, my social and account number are never recognized. Finally logged in and see no documentation of anything, I am assuming because each time I login I am asked to start a new account and all records are lost. 5 ) Once the interest issue is cleared and the accrued interest that should not be my responsibility is taken off my loans, I am more than happy to set up automatic payments to get the original XXXX paid off in a timely manner. I am only asking for the erroneous interest to be removed and the past due loan to be brought to current on my credit report to salvage the 170 points. Once this is done, I will pay all debt I actually owe. These are the only things I ask for. If they are not met, I will file a lawsuit. I am one of millions having issues with this company. Just please take care of these two things so we can all move on with our lives and you can get the money borrowed. I agree to pay interest from the moment an understanding is reached no problem. I have no problems paying what I owe but also will not back down and be treated unjustly due to corporation size. | ||||||
| 11/04/2020 | Yes |
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| This purpose of this letter is to address grave concern with my student loan servicer, Navient ( formerly Sallie Mae ) and to initiate a formal complaint against Navient. I am of the belief that Navient has erred in the billing and calculations of my student loans from the onset of our relationship. I am also of the belief that I was led astray by Navient customer service representatives during the entire years of servicing my account. I have twice recently requested a full audit from Navient on my student loans, but the only solution that I received was a balance history print out, which provided some financial details of concern. I also requested a copy of my promissory note on multiple occasions, but have yet to receive it. To provide some historical context, I was initially a persistent victim of Sallie Maes telemarketing tactics from XXXX, as I received daily calls from them urging me to consolidate my loans and to lock in my current interest rate of 5.125 %, which is heavily above current federal student loan rates. I was nave, unaware, and uneducated on financial student loan trends. Being an inner-city XXXX-American person, I was not exposed to nor adequately prepared to fully understand responsible borrowing and the financial trends of the student loan paradox. I believe that I was racially targeted and as a result I became a victim of their predatory tactics. Upon leaving college, I struggled to attain a stable job in the disciplines and fields that I studied in and obtain ANY full-time employment at all for years, approximately nine, which has almost been the entire life of my loans with Navient. That being said, after I relented to Sallie Maes marketing schemes and agreed to consolidate my loans, I experienced long term hardships, thus I had to request forbearance and deferments on my student loans. Each time that I called into Sallie Mae ( from XXXX XXXX, I was urged by the customer service representatives to choose hardship/unemployment deferments. After I exhausted all of those, I was urged to request forbearance. On multiple occasions, I specifically asked what would be my best financial option and was told that the two previous methods would serve my situation best. Even after multiple years of unemployment, Navient still lead me towards these two options. I was not introduced to the IBR payment process until I had fully exhausted the above methods. Had I been given IBR as an option, I could have greatly minimized my accrued interest, specifically multiply instances of compound interest. As I previously stated above, I have been unemployed or under employed for almost the entire duration of my consolidate loan period with Navient, but yet they misdirected me to more financially disadvantage options. This is on record! Additionally, Ive noticed many numerous late fees which I dispute, primarily coming from XX/XX/XXXX. In XX/XX/XXXX, I filed a claim with the FSA Obudsman Group when Sallie Mae erroneous didnt process my deferment request that they urged me to apply for, which resulted in my loans being defaulted. Sallie Mae eventually bought back my loans, but never removed late fees and I was also charged a large claim payment fee and subsequently charged multiple instances of Capitalized Interest, which should not have happened and this ill-advised error contributed to my debt increasing substantially. In closing, I am of the strong belief that my student loans have been grossly mishandled and that Sallie Mae/Navients tactics have bordered on fraud. I would like my above requests to be met and that my loans be looked into more closely by the Navient Office of the Consumer Advocate and FSA Ombudsman Group. Navient has caused me an immeasurable level of stress and an incalculable amount of financial damage as a result of their errors and questionable accounting practices. I would like a thorough re-examining of my student loans and correction of any and all errors on my account. To further substantiate my claim, I have included a copy of an email correspondence from XX/XX/XXXXbetween myself and Mr. XXXX XXXX of the CFPB. I will give Navient one last time to get this right before I take legal action. This has gone on far too long and this is my final demand to have my account be adjusted correctly! | ||||||
| 11/07/2017 | Yes |
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| For the past two years I 've been trying to pay a little bit on my loans with Navient every month to keep the interest at bay ( even though I was still in school ). It was more or less working ( with period problems with money going to the wrong loans or not being able to specify the amounts ), but about a year and a half ago they " changed '' their system, so you ca n't specify amounts or which loans they go to and it was IMPOSSIBLE to make payments while they were in deferment. This was more annoying than anything for my subsidized loans, but for my one unsubsidized loan, which had almost DOUBLED, it was a BIG problem : one that I wanted to tackle while I was still in school. I simply could not pay this loan with their online payment system. Each month, I would call and have to get customer support to " update '' the system so I can specify how much and to which loans. Each month, they tell me that they are " going to fix the technical error '' and that it " will never happen again '' - that I should be able to pay before they are out of deferment and that I should be able to specify the amount while I 'm trying to do so. However, during the past year and a half, I have NEVER been able to pay these loans through the online system. It happens EVERY MONTH : I have to call, go through the costumer support, explain the problem to yet another customer support person, who 9 times out of 10 could n't or would n't understand what the problem was because ... why would I want to pay a loan back while its still in deferment? Essentially, they were trying to discourage me from paying them back. Now that I 'm out of school, the problem has only continued. Some loans I am able to pay on, but I can only pay the minimum amount that THEY specify and only on certain loans that are no longer in deferment. I literally ca n't pay more than the minimum, which means Navient is forcing me to stay in debt longer and pay more over time on these select loans. For the loans that are still in deferment ( why -- I have no clue and they ca n't explain it either ), I ca n't pay at all -- which means these loans are getting larger because I ca n't even pay the interest on them. Each month I call and I " fix '' the problem - so i can specify the amount, but each month I go through the process of explaining the problem and asking them to fix it. Typically I spend between 1-3 hours a month going through this process. Depending on how helpful or nice the person is, it can be quick ( an hour ) or long ( 3 hours ). Sometimes they hang up on me, making the process even more infuriating. Now, up until this past month, every customer service person has been able to " fix '' the problem while I 'm on the phone -- assuring me that it will NEVER happen again -- this month, though, I was told that they could n't fix it at all. That they would put in a " request '' for the IT dept to look into the problem and that maybe in 7-10 business days it might be fixed. But I have to wait 7-10 business days, and in the meantime I 'm still paying interest on these loans. I can only guess how much money they have already ( and will continue to ) steal from me ( via interest ) each month, but multiply my case by however many student loans they are handling and I 'm guessing they are making millions on student loans by forcing people to only pay the minimum and by making it impossible to pay on loans while in deferment, assuming that these students are n't being tenacious like I 've had to be just to get a payment made. And even if this is just an IT error - I 've been reporting it to them for over a year now and they have failed to fix it : I ca n't believe their IT staff are that incompetent and if they are it seems criminally negligent for them to not hire sufficient IT support staff to make their online payment system function as it should ( and as it claims to function on the website - their own FAQs say you can specify loan amounts, but that is not a reality that has ever been reflected on their online platform ). They are a for-profit business so they have no incentive to fix the problem if it only benefits them in the long run. What I 've experience over the past two years is systemic theft perpetrated by crooks who are profiting off of the student loan debt crisis. | ||||||
| 10/02/2017 | Yes |
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| I enrolled in a payment plan with Navient where the lowered my high interest rates ( some from 16 % ) to 4.5 % after several attempts back in XX/XX/XXXX. They enrolled me in this program for a year under this low fixed interest, which is great. Part of the stipulations were to enroll in automatic payments. I was set to pay {$440.00} on the XX/XX/XXXX of every month. Later I discovered that they did not allocate my payment correctly. I have six loans and they only applied my payment to five loans so I became delinquent over a few months. I called them back and they realized the mistake on their end and " fixed '' it. They changed my payment to {$440.00}, which is fine, but I changed the date to the XX/XX/XXXX. Last month in XX/XX/XXXX they took out the {$440.00} on the XX/XX/XXXX but also deducted {$440.00} on the XX/XX/XXXX as well. I called them on XX/XX/XXXX. They said they would process a refund. I asked them to make sure they do n't continue to deduct payments on the XX/XX/XXXX. They assured me they fixed it but we will see this month. I asked when I should receive payment for the refund and they said within 5-10 business days. I explained to them that this was a huge inconvenience for me on account of their error. I obviously have other financial commitments for this large amount of money to be wrongfully taken out of my account. They said they would escalate it to make it a top priority but could not give me a confirmation email or reference number. I ask for this because in the past errors are constantly made and representatives are misleading and give wrong information. And when I try to reference back I do n't have any leverage or documented proof on my end as a consumer. This is not a good practice as a lender. It seems like they do this purposefully for the consumer to get frustrated and not bother. I dread calling them. I called again XX/XX/XXXX. The representative then said I should have received the reimbursement by then. She did some research and said it was being held for some reason but she corrected it and it should be 3-5 business days. She gave me her information to follow up with her by Friday XX/XX/XXXX if I had not received it then. I called back today Monday XX/XX/XXXX because I still have not received it. The same person said she did n't know why it had n't gone through yet but will make a comment to the team that processes these matters. I asked to speak to a supervisor because this is getting frustrating and I do n't know when I will be receiving my refund. The supervisor gets on the line and asks me what he can help me with. I asked him if he was privy to my situation and he said " Yes, what can I help you with? '' I told him I wanted to know when I would be getting my money. He said that it was being processed and it should be soon, but with an attitude. I told him that on several different calls the same answer has been given to me but has not been resolved. He said that there was a process with these matters where I was supposed to provide a bank statement but since the grace period had passed it did n't matter and the hold was off so now they can process this. I asked him why the first two representatives misinformed and provided me wrong information? He said he understood and they would try to better educate their representatives and if there was anything else I needed. This man was very rude and I just said no and got off the line. I try to work with them. I make payments and I 'm never delinquent, yet this company has been nothing but deceitful and misleading to me. They misallocated payments and caused me to be delinquent. Granted they fixed it after more frustrating phone calls, but my credit score went down 80 points as a result. I just checked today and it went back up so they did fix that. My concern is that this is a very large financial commitment that I have. And my experience trying to work with them has been very frustrating. I get inconsistent information from representatives and I 've suffered burdens on account of their errors. But if you miss a payment you better believe they are on it. It does n't work the other way around when they wrongfully take money from your account and give you the runaround when you try to get it back. How is that legal? | ||||||
| 08/23/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX Navient Accord & Satisfaction XXXX XXXX XXXX XXXXXXXX PA XXXX Account Number : XXXX Dear Sir or Madam, Please review and respond to each consumer violation listed below. This letter is in reference to two late payments remarks.. The account number is Loan Account Number : XXXX, loan number XXXX Notice was received less that's 21 days before due date the loan was NOT processed correctly in accordance to Credt LAW 15USC 1666b. Notice was not properly delivered within the proper timeframe. A RETRACTION IS REQUIRED IN ACCORDANCE TO THE LAW. A creditor may not treat payment on a credit card account under an open 317 end consumer credit plan 15 USC 1666B ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.15 USC 1666Bla ) 156 A creditor may not treat payment on a credit card account under an opens end consumer credit plan Your company is in clear Violation of the law. Under 15 USCI16846 - permissible purpose of cont reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions fre- con credit report clearly states : AVC ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consume include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the con and the person making the report. XXXX Delete the above late payments from my consumer report, this agency is in violation o f 15 USC 16 CONSUMER LAW 15 USC 6802B.THE OPTION TO OPT OUT FROM from credit option was not presented this another violation that warrant retraction ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties no- tified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dis- pute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dis- pute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolu- tion of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delin- quencies were initially reported. ( Pub. L. 90321, title I, 162, as added Pub. L. 93495, title III, 306, XXXX XXXX XXXX 88 Stat. 1513. ) 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a cred- it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay- ment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in- curring an additional finance charge, such addi- tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. A response and correction are required within 10days, XXXX XXXX | ||||||
| 09/17/2022 | Yes |
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| In XXXX of XXXX, my fianc and I began the loan process to purchase our dream home and later learned that a 90-day late and 120-day late had been recorded on my credit report for XXXX and XXXX of XXXX. I was devastated! On XX/XX/XXXX, I spoke with a very nice customer service rep from Navient by the name of XXXX XXXX. Who gave me information at that time of the status of my loans. She stated that my loans had not been protected by the Cares Act because they were private loans. This news was both surprising and disappointing to me. I was not aware that my loans were private loans and I do not recall receiving notices that my loan payment was due. When I checked my loan payment status in XXXX and XXXX of XXXX, the status was no payment due and my loans were in good standing. In XXXX of XXXX, it became necessary for my fianc and I to bring his XXXX XXXX mother home from her sisters home to her own home in Indiana and we instantly became her XXXX XXXX with no plans of ever doing so on our parts. I was then and still am currently her XXXX XXXX due to my fianc having to work every day. During this time ( XXXX through XXXX of XXXX ), my complete focus became her wellbeing and XXXX XXXX XXXX. She is a XXXX patient, and my mind and focus were consumed with meeting with her doctors, nurses, certified nurse assistants, social workers, Chaplin. I was managing her medications and scheduling all the medical staff to come visit her on a weekly basis while completing a mandatory online certification to be her XXXX via XXXX XXXX XXXX Indiana. I felt confident in my mind that my loan payments had been suspended due to the President Bidens Cares Act Law that I was hearing about in the news, I did not have the mind to go online every week to check on the status of my loan payments. XXXX XXXX, also explained that I would be eligible to apply for the Public Service Forgiveness, and that I was a qualified borrowers however, I would need to consolidate my current loans. I shared with her that I am not sure that would be in my best interest as that process would double the principal of my loans and what guarantee would I have of getting part or all my loans forgiven in the future. She went on to say that she had no authority to remove the late payment posted to my credit report however, she did back out the late payment for XXXX of XXXX posted on my Navient account. She then forwarded information to my email concerning PSLF and we ended our conversation. I submitted a dispute on the XXXX credit monitoring website on this issue on XX/XX/XXXX, with no desired resolution nor change to my credit report or loan status on my Navient account. I made an attempt to log into my Navient account on XX/XX/XXXX and was unable to log in due to a system error. I called and spoke with another customer service rep by the name of XXXX, I explained that I wanted to make a loan payment and asked if I could speak with someone in management concerning a posted late payment to my credit file. She stated that there was no one there that she could connect me to and that they do not have access to anything related to credit postings. I went on to explain to her what previously happened with the late payment posting and she reviewed my payment history and then informed me that my Income Driven Repayment Plan had expired. I explained that I was not aware of that and received no notification of that. She went on to explain that when my IDRP expired, it caused my payment to increase by a few dollars and that my have been why the late payment was posted to my account but, she wasnt sure however, she could not see where I was late paying a regular payment during the months in question. She went on to inform me that she could re-enroll me into the IDRP and that according to my current income, my monthly payments would decrease significantly so, that is what we did and she sent me and electronic signature page to sign and upload my pay documents. XXXX, also apologized for the late payment being posted to my account in XXXX and XXXX of XXXX and said that if she could, she would remove it because she found no basis for it. I informed her that I would make a complaint on the Consumer Financial Protections Bureau and see if I can get some results. | ||||||
| 12/20/2017 | Yes |
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| My husband was XXXX in XXXX of XXXX in a XXXX XXXX. Following the accident, Navient took immediate action on student loans and turned us over to a collection agency to collect in full on all of the loans. I spoke with them on several occasions to no avail. We tried everything imaginable but they refused to budge. I was actually forced to fill out an application to become the co-signer for the loans after my husband 's XXXX. I am not certain how you can be forced to become a co-signer on money that has already been borrowed. No more money was being requested but yet they needed a co-signer. After having filed a complaint against them once for a loan that we had made payments on since XXXX and had only somehow repaid less than {$2000.00} on this loan they actually suddenly " found '' where they had made a mistake. They dropped the balance owed on the loan considerably and there is currently no interest rate being charged on this loan. Now, after being forced to co-sign for existing loans I have noticed the interest rate being charged on the remaining XXXX loans that are private loans through Navient is what seems to be an excessive amount for student loans. XXXX is 11.625 % and the other is over 10 %. I am being told this is due to the credit score of my husband and son at the time the loans were taken out. That is not possible. My husband never had anything other than exceptional credit and my son had no credit score because he had never borrowed any money since he lived in the home until he left for his freshman year of college. I have reached out to Navient and asked for the interest rate to be dropped but have been given unreasonable excuses for why they ca n't do that. We have made payments on all of these loans for several years and at least XXXX of the loans has a principal balance of more than the actual amount borrowed. I am not certain how this can happen. My husband was the only one on XXXX of the loans and that loan should have been forgiven at his XXXX but was forced on XXXX and then me. I am also not certain how the government can take control of some situations and can not seem to stop the unethical and unfair practices of Navient. Years ago they brought XXXX XXXX down and many people lost their jobs but now we have a lending company that almost every student that has to borrow money to get a college education is in debt to and each XXXX will tell the same horror story about how they have paid and paid and paid and ca n't make a dent in the balance, and even so much so that Navient is now, according to reports, garnishing individuals Social Security checks. I welcome any assistance in getting these loans to a reasonable state so that there is hope of getting them paid. My son will never know the luxury of owning his own home because he will always have these loans standing in his way. I also do n't understand how student loans are not forgiven if individuals have to file bankruptcy but yet they go against an individuals credit. That does n't see to be exactly fair. Do you think? What can I do to get these loans in a manageable state now that I am XXXX and the household income has been reduced by two-thirds following my husband 's XXXX but my bills did not get reduced nor did I collect a {$1.00} XXXX life insurance policy and the individual responsible for the XXXX of my husband does n't feel that he should follow court orders and make restitution. I have attached XXXX documents that will show figures and amounts. If you notice the sheet that is named XXXX Loan History on each of these XXXX files you will see that there is no history other than that starting in the middle of XXXX. This is when I was forced to co-sign for the loans. You will also notice the balance on the loans previously on the original history was lower than the principal balance after my co-signing for the loans. It appears as if the loans went back to the original amount borrowed and I 'm not sure that is how things should work. You will also notice that payments have been made on these loans for years and we still owe the original amount or more than the original borrowed amount. On the XXXX XXXX XXXX XXXX file, the interest rate is 10.375 % and the XXXX XXXX file loan has an interest rate of 11.625 %. | ||||||
| 05/08/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023 Navient : XXXX XXXX XXXX Attn : Credit Bureau Management ( Disputes and Processes ) XXXX XXXX XXXX XXXX PA XXXX To Whom It May Concern : In accordance with The Fair Debt Collection Practices Act ( FDCPA ), I am writing to dispute the following information that your company supplied to XXXX, XXXX and XXXX Credit Bureaus ( CB ) associated with Navient Account XXXX. Please see Exhibit 2, which are copies of the 3 credit reports from these agencies that include the disputed item ( s ). Multiple item ( s ) claiming ( 90 days late ) ( XXXX ) is inaccurate and should be deleted immediately from all credit reporting due to the enclosed evidence which supports that Navient was fully at fault due to their systems inability to accept payment from a valid checking accounting via check, phone transfer, or wire ( ACH ) from a verified banking institution, The United States XXXX XXXX XXXX XXXX ( XXXX ) for a period of 6 months XXXX XXXX XXXX XXXX XXXX when account was finally resolved and linked. Although repeated attempts were made by me as the account holder and the XXXX to engage Navient customer service to provide and validate banking information for payment ( See Exhibit 4 : Letter to Navient ), Navient wrongfully reported missed payments to these credit bureaus during the aforementioned time period. This wrongdoing is evidenced by the letter from Navient dated ( XX/XX/2023 ) ultimately documenting the verification of the banking information in their system after 7 months ( See Exhibit 6 ). Please be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. I have disputed this debt, therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, as you have already reported this information to these Credit Bureaus, you are required to immediately inform them of my dispute while an investigation occurs. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. To support this request, please find enclosed copies of the subject credit reports and supporting documentation, including repeated attempts to make payment and seek resolution from Navient to accept payment from a valid checking account from a verified banking institution. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item immediately. We believe these accounts and the blemishes should be corrected immediately and expect notification from your institution along with the major credit bureaus we also expect an interest that accrued during this time to be forgiven or paid toward the interest of the remaining loads. Sincerely, XXXX XXXX XXXX Enclosures : - Exhibit 1 : Personal check ( s ) written from a valid checking account to Navient requested payment on loan, dated XXXX, {$2200.00} ( see photo copy ), XX/XX/2023 Amount : {$1100.00}. Finally, XXXXCheck Accepted and Account in place for {$770.00}. - Exhibit 2 : Credit reports from XXXX, XXXX and XXXX ( see credit transcripts for dinged negative credit payments ) - Exhibit 3 : Copies of correspondence from Navient to Self payments not being accepted. Ie more attempts to pay back loan agreements only to have your agency reject both my accounting & routing numbers and their subsequent amounts for payment. - Exhibit 4 : Correspondence to from XXXX XXXX to Navient, dated ( seeking resolution in validating banking information in Navient system - Exhibit 5 : Navient receipts with paid checks that were NOT accepted by XXXX bank subsequent phone calls made to your agency to rectify said errors. ( See attached XXXX Statements showcasing repeated calls throughout XXXX year to your customer service representatives to resolved debt ). - Exhibit 6 : Letter stating account has been confirmed after 7 months of correspondence. Amount {$770.00} -Exhibit 7 : Phone Call 2 Loans PAID OFF using same account. ( Attached correspondence ) | ||||||
| 03/05/2019 | Yes |
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| On XX/XX/2019 at XXXX, I called Navient to discuss the future of my private loans. The current balance due is about {$5000.00} with a monthly repayment amount at {$810.00}. I was put on a previous repayment program as my ONLY option as all of my forbearance " chances '' were used up. As a recent graduate, I was expected to make student loan payments before I even got a job to pay for basic life necessities ( rent, food, gas, etc. ) Due to my financial state, I was immediately offered a forbearance opportunities to aid with the high monthly payments. Thus, interest rates went up while I had a hold on repaying loans for three month periods. Now, a repayment program is the only option available to me even though I have stated that the repayment monthly amount is still too high for me to cover. Repayment plan was put into action regardless of me voicing this concern and payments were missed. I received a letter in the mail stating that my account will go in to litigation review unless I make the account current. Today, I called Navient to explore other options for the repayment plan and if I could get on a new one. The Navient representative was able to get a lower interest rate and an amount of {$310.00} to be paid monthly. I agreed and wanted to schedule a payment for the middle or end of XXXX. Then, she transferred me to my account manager to discuss further details. My account manager, asked about my former program and why I missed the payments. I explained my financial hardship and how that program was the ONLY option given to me event though I stated I was not able to make those high monthly payments. I reiterated my intention of scheduling a payment for middle or end of XXXX, which was rejected. My account manager refused to put me another program until I was ready to make a payment today. In the efforts of clarification, I stated that I am calling to get on a program and to schedule my payment for mid or ending of XXXX. If I was not able to enroll in a program today, my account will continue to accrue outrageous interest and my case will go to litigation. His response was, " Yes. Yes you will get all of that because you haven't paid us. '' It is clear I haven't paid because I am unable to hence the current phone call. Upon the rejection of working out a repayment program, words were said that made me feel personally attacked. He stated, " It's not my fault you took loans out to get an education in a field where you can't get a job in '' and " What did you major in because your reverse psychology isn't working with me. '' I was accused of manipulating a system of entering in payment programs and not making payments so I wouldn't get the phone calls from Navient. I completely disagree with this statement as I have been very honest about my financial state and the repayment program set on THEIR terms and not my current income. Obviously, I was going no where in trying to sort this matter out with this particular guy. When I requested a different account manager, I was denied. I was told to call back when I can make a payment and that was it. I am left powerless and unable to change any of this when no one will work with me with a realistic plan. I want to make my payments. However, I can not make payments the same amount as my monthly rent. I need food, shelter, and water. Unfortunately, those things come first before surrendering money to unrealistic circumstances. The government shut down was something that affected EVERYONE regardless if they were a government worker or not. Although credit card companies acknowledge these affects, it was stated that Navient doesn't unless the borrower was a government employee themselves. Again, the government shutdown affected everyone. After doing much research about Navient, their customer service tactics, and loan servicing it has come clear to me that they truly are financial terrorists. I need help. 9 out of 10 college graduates need help. We need logical payment options that do not leave us homeless or have us paying debt until we are 70 years old. As a college graduate, I shouldn't feel ashamed because I got an eduction. With companies like this, we are teaching our next generation that college is a death sentence. | ||||||
| 01/22/2020 | Yes |
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| I wanted to refinance my loans with Navient which were at a fairly high interest rate, so I looked into taking a different loan at a lower interest rate. With the help of my parents, I took out a different loan at a lower rate and on XX/XX/XXXX, we went to settlement on that loan. A check was cut at the title company, XXXX XXXX in XXXX, Pennsylvania. The company told us that Navient had a bad habit of getting checks and just holding them. If the check was sent through the US mail, it couldn't be tracked and then interest would just accumulate on the account and I wouldn't be able to trace the check. She suggested we XXXX the check so that we could trace it. However, to do that, we needed a physical address, not a PO box address. ( A PO BOX address is what I was given when I called Navient for the payoff and address. ) So the person at XXXX XXXX called the number on the Navient Website and pushed the zero until we got an actual person. After explaining several times that we needed a physical address for the check we were sending, she gave us a name and address. We sent the check to an address in XXXX, PA. I do not know why they gave us this address, but since we had given the person my name and account number, we assumed they knew what they were doing. I guess it was not the correct address, because we were later told it went to the wrong department. ( In addition to the check, we enclosed a letter with my name, account number, and phone number and told them to contact me if there were any questions or problems with the check. So I don't know why they cashed it if it had been sent to the wrong place. ) After about a week, I realized that the money had not been applied to my loan. I started calling Navient ( which is not an easy task ) only to learn that they had cashed the check but would not be applying it to my loan because it went to the wrong department. I assumed this meant that they would just transfer it to the right department and then apply it. Since they had cashed it, I assumed they would no longer charge me interest since they had my money. They then informed me that they would continue to charge me interest and that it could take up to 8 weeks for this to be resolved. In the meantime, I would still need to make payments and they would continue to charge me interest. Meanwhile, I also had another loan I was now paying on top of the Navient loan. I disputed the logic of this, but they said this was the government 's rule. My mother got involved since she had helped me acquire the other loan and was now responsible for the other loan and somewhat involved in this. She dealt with a gentleman named XXXX ( employee # XXXX ) who initially agreed to expedite the matter and said he would try to expedite the transfer but after doing this would frequently not take her calls when she tried to follow-up on the matter. Keep in mind, this was approximately {$20000.00} we were concerned about, which is a lot of money in our world. My mother made calls to Navient on XXXX ( 1 hour 45 min ) XXXX ( 40 min ) XX/XX/XXXX, XX/XX/XXXX ( called twice ), XX/XX/XXXX - at this point my mother started calling senators. She contacted Senator XXXX XXXX office, who happens to be my senator. XXXX finally called back at this point and informed my mother that the matter should be resolved before my next payment would be due on XX/XX/XXXX. As of this morning - XX/XX/XXXX, the loan is now paid off. However, there is now an overpayment because I had to keep paying on the loan. I do not know when I will receive that money ( the overpayment ). I do not feel I should have been charged any interest after the time that Navient cashed my check. I know they received the check on XX/XX/XXXX. I have proof of that from the XXXX receipt. I think this entire process was very unfair and designed to take every last possible penny from me they possibly could. Unlike many borrowers, I was a student who faithfully repaid my loan. I never missed a payment and was trying to do the responsible, honest thing. Navient was not acting in good faith. I am looking for simple fairness and hoping that I can save someone else the aggravation that I faced in this process. There has to be a better way. Thank you for your time. | ||||||
| 04/26/2019 | Yes |
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| On XX/XX/2017, I signed an enrollment agreement ( the " Agreement '' ) with XXXX XXXX XXXX XXXX XXXX " XXXX '' ). The total cost of the program was {$9900.00}. The cost was financed through federal student loans ( one for {$2400.00} and another for {$4200.00} ) and a private loan from AIT ( {$3300.00} ). On XX/XX/2017, I began attending classes. On XX/XX/2017, I decided to stop attending XXXX classes. On that day, I informed the director of training at XXXX of my intent to withdraw and that I would no longer attend classes. At no time did I personally receive any of the proceeds from any of the loans mentioned above. According to the Agreement I signed on XX/XX/2017 ( see attached ), if a student withdraws within the 3rd week of training, the student is only obligated to pay XXXX {$100.00} + 10 % of tuition + Books and Fees. In my case, I withdrew within the 3rd week of training and therefore only expected that I owed XXXX {$1300.00} which is {$100.00} + 10 % of tuition + Books and Fees subtracted from {$9900.00}. Recently, I began receiving notices from Navient and debt collectors for XXXX that I owed collectively {$10000.00} to both for loans used to pay for my attendance at XXXX. Navient claims I am responsible for paying two loans used to pay XXXX for my attendance. The first is a federal student loan in the amount of {$2400.00} ( " Loan 1 '' ) which was taken out in my name by the staff at XXXX, on XX/XX/2017, and the proceeds of that loan were sent to XXXX. The second is a federal student loan in the amount of {$4200.00} ( " Loan 2 '' ) which was taken out in my name by the staff at XXXX, on XX/XX/2017, and the proceeds of that loan were sent to XXXX. The third is a private loan in the amount of {$3300.00} ( " Loan 3 '' ) which was extended to me by XXXX to cover the amount of tuition not covered by the proceeds of the two federal student loans mentioned above. The Agreement states that XXXX, as a result of my withdrawal within the 3rd week of training, was obligated to return 90 % of the federal student loan amounts I was awarded back to the Federal Title IV program. But, they did not. In addition to failing to live up to that part of the Agreement, XXXX also decided to try to collect on Loan 3 even though I did not owe that money either. I admit I owe XXXX and Navient {$1300.00} for the brief period of time I attended XXXX. But, I do not owe XXXX or Navient any more than that. Had XXXX returned 90 % of the amount of federal student aid I was awarded ( {$6000.00} ) back to the Title IV program, I would not owe Navient the {$6600.00} they are claiming but only owe {$660.00} to Navient. Also, had Navient fulfilled their obligations under the Agreement, I would only owe them {$680.00} for Loan 3 and not the {$3300.00} they claim. In summary, I only owe {$1300.00} for my attendance at XXXX. In the XXXX, if a student withdraws within the 3rd week, that student is only obligated to pay XXXX {$100.00} + 10 % of tuition + Books and Fees. In my case, that means I only owe {$1300.00} which is 10 % of {$9900.00}, the total amount of the program. {$660.00} of that {$1300.00} is owed to Navient per the terms of the Agreement. Of that {$1300.00} I owe, {$660.00} is owed to Navient because the Agreement states withdrawal within the 3rd week means that of all the federal aid received ( {$6600.00} ), 90 % of that amount ( {$6000.00} ) is unearned and must be returned to the Title IV program. The remaining 10 % of the amount of federal aid received ( {$660.00} ) must be paid to Navient by myself, not by XXXX. {$680.00} of that {$1300.00} is owed to XXXX per the terms of the Agreement. I'm contractually obligated to pay {$660.00} to Navient as outlined above. Of the {$1300.00} I actually owe for my attendance at XXXX, I therefore only owe XXXX {$680.00}, not the {$3300.00} they claim I owe. Had Navient returned the federal aid money to the government as they were supposed to, only a fraction of the current debt appearing on my credit report would be there. XXXX has breached the Agreement we have and has caused me damages. Additionally, XXXX has failed to follow Federal laws regulating the return of unearned student loan proceeds for a withdrawn student. | ||||||
| 08/19/2018 | Yes |
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| First of all please note I have never in my life filed a formal complaint against anyone or any company. We have had a total of 7 student loans with Sallie Mae/Navient beginning in XX/XX/XXXX. We have consolidated or paid off all but 1 loan ( XXXX XXXX XXXX ) which has a current balance of over {$43000.00}. We have always made the payments not really monitoring the principle balances. Our most current Statement Dated XXXX XXXX shows the current amount due is {$300.00} and the Current Amount Due date as XXXX XXXX which is 4 months from now. We have from time to time skipped a single payment all together, thinking we were ok because like with this current statement the payment was not due for a month or more. We recently had cause to look back over the XXXX XXXX XXXX loan and realized there were 30 months when the payment went entirely to interest with {$0.00} going to the principle. This loan has had no late fees ever charged. The first time I called Navient many weeks ago about this I was told We had missed or been late on many payments and we were concerned that they couldn't find the confirmation numbers that their system had given us for online payments. However we have never missed a due by date, we frequently pay more than the minimum, and there were never any late fees charged so I don't understand how they can say payments were late. ( There is an XXXX document attached below. ) During the second phone call the representative we were talking to commented it seemed to be a problem that the due dates were being extended. He did explain the interest was accrued daily and how I can see the current interest balance due on the website. I still don't understand how a payment due date is extended into the future without it being a full payment including interest. The interest is accrued daily but isn't factored into a payment that is advanced? So when we occasionally skipped a payment or just delayed a payment because the due date was a month or more in the future the interest was actually piling up and the full payment and extra we thought was going to the principle was actually all going to interest for a total of 2 1/2 years over the life of the loan to date. Furthermore, the frozen principle balances started months before the skipped payment they attributed the problem to in the course of the phone call. We had believed we were dealing with a reputable company. I have to wonder how many other accounts with Navient are experiencing the same misrepresentation. It is completely misleading to the consumer to say a payment is not due until months from now and then allow the interest to continue pilling up and then everything paid is being consumed by the interest balance. That is setting the consumer up with misinformation. IF THE PAYMENT DATE IS BEING ADVANCED IT SHOULD INCLUDE THE INTEREST FOR THAT PERIOD. How does Navient determine how far to advance a payment due date? The original loan consolidation in XXXX was for {$50000.00}. Since then we have paid only {$6900.00} in principle and {$26000.00} in interest on this loan. I now have a better understanding of how this is being manipulated and will definitely be dealing with this differently going forward. There is an awful lot of very small print on the back of the paper statements. The consumer is definitely at risk dealing with this company. We had to go to a different repayment scale a couple of years ago which obviously reduced our principle payment each month. However we have made many payments larger than the required amount due, including during the time that the principle balance was frozen and they put the entire payments to interest. If we hadnt realized what was happening we never would have gotten this paid off. 30 months of payments in the past 7 years have already been all interest even though many of them were for more than the amount due. If we're a month ahead on a car payment or house payment and then have to skip a payment it's no problem. The interest is already part of the payment. Not true with Navient. They say your next payment due is 4 months from now and quietly pile the daily interest onto the loan and all of your future payments go to the interest until that interest is paid off. | ||||||
| 04/08/2019 | Yes |
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| My name is XXXX XXXX. I am a second-year student at XXXX XXXX XXXX XXXX in XXXX, Georgia. I have private education loans through Navient for when I attended XXXX University ( XXXX ) for my XXXX degree. Per Navient, these loans are now no longer eligible for in-school deferment. They say that each of these loans have a stipulated maximum of 48 months of in-school deferment. I dont recall this being vocalized to me at the time of origination but that was a long time ago. These loans did not have a co-signor. What makes this story so egregious is that I also have newer loans through Navient that were from when I attended a XXXX XXXX program at XXXX XXXX ( XXXX ) with the aim of attending XXXX school. Prior to attending the XXXX XXXX program, I called Navient and asked about the possibility of obtaining private loans after voicing that my goal was to attend XXXX school. I sought these loans because I did not qualify for federal loans for the post-baccalaureate program. I told Navient about my goal of attending XXXX school and that I needed to take the science prerequisites prior to applying to XXXX school. I also asked if these loans or my goal of attending XXXX school would be negatively impacted/influenced by the loans I already had with them. Navient said they could certainly help me out with the private education loans, but at no time did Navient ever tell me that my private education loans from XXXX University would start to become ineligible for in-school deferment half-way through XXXX school. Further, I applied for these private loans through Navient for three consecutive years, XXXX, for this XXXX XXXX program. In every application, that was filled out by Navient with me on the phone, when I was asked what my educational aspirations were and reasons for the loan, I always told them that I needed these private education loans because I wanted to attend XXXX school and these loans were for a XXXX XXXX program. At no time did Navient ever tell me that my private education loans from XXXX University would start to become ineligible for in-school deferment half-way through XXXX school. If I had been told about this, I might have not attended the XXXX XXXX program and XXXX school. So here I am ; attending XXXX school and out of the work force. I am now told I can no longer receive in-school deferment for these loans. I am stuck. Navient has asked me if I can get a job to which I replied : XXXX school students are not allowed to work. Further, I have no recent work experience needed to secure a job. I have an apartment lease that I may have to break now, with further financial penalties, because I may have to drop out of XXXX school and somehow find a job. I feel tricked. I feel like I was setup to fail. At the beginning of last week ( XX/XX/19 ) someone at Navient submitted, on my behalf, a special extension application for in-school deferment but that was denied by Navient at the end of last week. My school, XXXX XXXX XXXX XXXX, has called Navient on my behalf and Navient said the same thing : that these loans are now no longer eligible for in-school deferment. When I stated everything that had transpired above about my asking Navient prior to attending the XXXX XXXXe program and if I could receive private loans for the program and if they saw a problem with me attending XXXX school ( to which Navient said there was no problem and that they could help ), Navient said the same thing again : that these loans are now no longer eligible for in-school deferment. The funny thing is that if I had already graduated from XXXX school, and already in a residency program, I could potentially qualify to have my payments postponed. XXXX website does not say anything about how many months of in-school deferment are left for each loan. Nor is there anywhere on XXXX website where I can even read the full loan contract that would state this, not that I would even know to check about this because Ive never heard of this before. In fact, they must mail me, per company policy, the loan contracts via USPS. Its like everything is purposely unclear, hard to discern, and hard to find. Its like Im stuck in this small gap and falling through the cracks. | ||||||
| 05/04/2017 | Yes |
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| Navient Re : Late Payment Removal/ Ref # XXXX This correspondence is in response to the XX/XX/XXXX letter I received regarding my goodwill request to have late payments removed from my credit score report. In the letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. Previous representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX that any subsequently initiated deferments would not allow updating reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * I have requested previous documentation of such late fees from your company and have yet to receive documentation from those dates which includes a total of XXXX loans being reported late and in a negative status. All of those student accounts that were part of the XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX late payments show deferment status because the company put it in deferment. I never received notice of loans going into payment status whatsoever. Also, I was enrolled full time before any payment became due. Therefore, my credit reports do not currently accurately reflect previous payment statuses with never late as they actually existed and as Navient have recorded them. Also around XX/XX/XXXX is when Navient officially became my service provider from transitioning over from XXXX XXXX which reflects some discrepancies as if the items were not reported correctly due to changing over. I am thus requesting that in compliance with Se ction 623 ( a ) ( 2 ) of the FCRA th at the XXXX accounts showing a 90 and 120 day late payment in XX/XX/XXXX and XX/XX/XXXX , as well as a 150 day late payment in XX/XX/XXXX be updated and/or corrected and removed. In the event that these reports are not immediately updated to accurately reflect my payment status durin g XX/XX/XXXX and XX/XX/XXXX I inten d on filing disputes again with each credit bureau in addition to official complaints with the FTC, BBB, and pursue other legal routes if necessary. Please respond within 14 days of the date of this letter with an update to this matter. Very Truly Yours, XXXX XXXX *Footnote : For the record, I do not agree that Navient ever accurately reported the status of my loans. Since my XX/XX/XXXX email, I have discovered that all other loans during that time were processed the deferment leaving me to suspect a processing error on beha lf of Navient. In addition to the possible Section 623 ( a ) ( 2 ) claim, I int end on disputing the processing of my deferment if need be. | ||||||
| 12/19/2017 | Yes |
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| On XX/XX/XXXX, Navient calls me regarding being delinquent. I was informed for the VERY FIRST TIME that they " have lots of options '' to lower my payment AND interest rate. The rep on the phone was pretty confident that I 'd qualify after I told him I owe over {$100000.00} in student loans and can not even qualify to refinance anything nor get a mortgage because all my debt ; and that I 've been using debt to pay for debt. So, the rep and I went through an application process, verbally, and then was told I did not qualify because I have a loan in a Grace Period and one of my loans was paid ahead. I asked if I could get some of my loans on a lower payment plan because I 've been in hardships before and it 's about to get really tough for me in one to two months because of my Federal Loans, and he came back and said he could not. He would n't use my Federal Student Loan debt as a factor in the equation because they were n't in repayment at this time. I then spoke with a Supervisor who told me " we will not be lowering your payments '' and very stern about it, so I asked to speak to a manager. The manager told me that based on the information I provided on the phone, there was no way I use {$500.00} for food a month and that the information I provided would no way be accurate ... I told her I could show proof my hardship if needed and if she felt that my food expenses were too high then to remove it from the equation..she said no, and even so I have a " disposable income of {$270.00} '' dollars. I told Navient that in XX/XX/XXXX/XX/XX/XXXX that my Federal loans are coming into repayment and will exceed that disposable income {$270.00} ; I also told Navient that I 've been begging FOR YEARS for some kind of relief on my loans and have many hardships over the course of my repayment. I specifically have a loan with an interest rate of OVER 16 % and have been trying SO hard to pay it off and Navient just will not let me..this year, they just increased my interest rate and have be on a " fixed variable '' rate where the " rate will only ever go up and never go down. '' I asked Navient why I was never offered any relief over the course of seven years ( since graduating in XX/XX/XXXX ) and there were times when I had little to no disposable income and have been using a {$20000.00} XXXX Loan to pay my private loans ( I 'm " robbing XXXX to pay XXXX '', metaphorically speaking '' ). I 've had quite a hardship trying to pay off my loans and Navient ( and XXXX XXXX when they serviced my account ) intentionally hid options to help me. I 've been drowning in debt for years and for years I 've made it clear to Navient that I needed help ; and they just tell me today that I have options, but just do n't quality at this time based on a verbal application. I want my account reviewed and not just by a manager. I also want my interest rates reviewed at each time the interest rate increased. I ask this because there was one call where I disputed the interest rate increase and was also told that the rate " incorrectly increased when the Federal rate actually went down '' and it was like pulling teeth to try to get Navient to fix it which they NEVER did. I want to go as far back to the beginning of my repayment plan when the option to 'lower the interest rate was available so that my balance is reduced. I will provide any proof of past and current hardship if necessary. I also want to note that my loans were once with XXXX XXXX who told me in XX/XX/XXXX that I could do private loan consolidation to get my interest rate lowered and pay off my loans quicker ... but was told to wait until I was done with school. I waited, and then was told that the option no longer exists. After that, I 've tried other companies and I not qualify for private loan consolidation because of my income to debt ratio being so terrible. If I would have done the consolidation in the beginning of my repayment rather than being coerced to give more money just for interest, then I would n't have such a high balance with them and I would n't be delinquent..I 'd have a lower balance if most of my payments were applied to principle over the last seven years and not to forever increasing interest. | ||||||
| 05/23/2022 | Yes |
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| In XXXX, I decided to pursue a new trade due in hopes of a new career path, and or having a second vocation to make extra money to supplement my income. This was when the housing crisis began, and I like so many were searching ways to avoid hardships. I decided to attend XXXX XXXX XXXX ( XXXX ) run by XXXX. This training required me to temporarily move to Arizona, where XXXX was located, so I had no choice but to take out loans to cover tuition and some relocation and living expenses. I attended the school around mid XXXX and stayed in the area until I graduated in XXXX. The school offered financial aid, which I had to accept to afford to go. But before accepting financial aid, XXXX sold me on guaranteeing job placement after I graduate, so the loan would pay for itself, so to speak. I went ahead and enrolled and took out the following loans : NAVIENT XXXX XXXX ( Account No. XXXX ) XXXX XXXX : Disbursed XX/XX/XXXX ; Amount of {$3500.00} XXXX XXXX XXXX Disbursed XX/XX/XXXX ; Amount of {$4000.00} XXXX XXXX XXXX Disbursed XX/XX/XXXX ; Amount of {$4500.00} XXXX XXXX XXXX Disbursed XX/XX/XXXX ; Amount of {$4000.00} TOTAL : {$16000.00} Upon graduation, I began paying on my loans and kept paying whatever I could to satisfy the payments. However, I was able to repay up to {$6000.00} up to around XXXX. In between the years I graduated and XXXX, I called Navient numerous time to inquire about debt relief/lowering payments. Nothing was offered except forbearance. If I didn't accept it, I risked being in default of my loan because I couldn't afford many payments, and this would bring it current. I and my family struggled through numerous financial hardships for years after I graduated. The school, XXXX, made many promises of helping find a job, but nothing outside of talk was ever provided to me. To add to this strain, most minorities that attended the school ( whom I stayed in touch years after ) all complained about being passed over and/or disregarded about job placement assistance. Those that were not minorities, whom I did befriend, found employment much quicker. But this could be a topic for a different complaint against the school. To continue, I kept calling Navient every year up to the present, asking about lowering the payment of forgiveness options. And every time, income based payment plans ( XXXX, XXXX, ETC ) were never brought to my attention from the Navient reps. with only continuing forbearance as the only option to keep my loans current. Only when I spoke to a friend, who graduated from College, did I learn about the REPAY programs. I called a few months back, XX/XX/XXXX, and requested to be placed on this program. I was approved, and given a reasonable payment to make. I complained to the Navient Rep. why this was never mentioned before to me and they dismissively responded they can not speak on behalf of previous staff. I was so mad, to put it mildly. So I resumed paying this year, now knowing that I could have been paying a lower, more affordable payment, close to 15 years ago and having a few more to potentially forgive my loan ( 20 years of payments ) or even being closer to paying the loan off. And every year I was placed in forbearance, my loan was reset and has more than doubled based on my latest statement dated XX/XX/XXXX : NAVIENT XXXX XXXX ( Account XXXX. XXXX ) XXXX XXXX XXXX Disbursed XX/XX/XXXX ; Amount of {$3500.00} - Now {$8400.00} XXXX XXXX XXXX Disbursed XX/XX/XXXX ; Amount of {$4000.00} - Now {$10000.00} XXXX XXXX XXXX Disbursed XX/XX/XXXX ; Amount of {$4500.00} - Now {$10000.00} XXXX XXXX XXXX Disbursed XX/XX/XXXX ; Amount of {$4000.00} - Now {$10000.00} TOTAL OWED : {$40000.00} My loan amount has almost TRIPLED in under 15 years! Not even the {$6000.00} i paid up to XXXX put any relief on this loan. And now I'll have to start practically all over again? To say this is a burden, and deceptive practice not only from the school in how they sold the career, but in Navient being deceptive all these years by keeping me misinformed, is a major understatement. I can see finally why so many are upset at these servicers and the entire system. My hope is I will have some recourse to avoid being in debt up to my retirement! | ||||||
| 05/17/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, a class-action lawsuit was filed in the United States District Court for the XXXX XXXX of Michigan based in XXXX, seeking recoveries on behalf of thousands of adults in XXXX states harmed by the sudden closure of XXXX schools in late XX/XX/XXXX. The plaintiffs counsel in the lawsuit is XXXX XXXX XXXX and XXXX XXXX XXXX of The XXXXXXXX XXXX XXXX. On XX/XX/XXXX, a federal judge certified this case as a class action. On XX/XX/XXXX, a federal judge entered a judgment on behalf of all class members- more than XXXX persons - against XXXX. The lawsuit is being brought on behalf of adults who were enrolled in programs at XXXX schools in late XX/XX/XXXX when the owners and operators of the schools abruptly locked the doors without warning and without providing any refunds, as well as on behalf of those who are graduates and who were denied continuing, lifetime placement services from the now-closed schools. The lawsuit also includes individuals who co-signed or otherwise became liable for a loan to pay the XXXX XXXX tuition for these students. The closure of the XXXX schools affected adults who enrolled in and paid for programs in Delaware, Georgia, Illinois, Indiana, Kansas, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Ohio, Pennsylvania, Virginia, and Wisconsin. The class-action lawsuit alleges that the owners and operators of the XXXX schools told students that by paying tuition costs as much as {$28000.00} or more for a six-month program, they would be able to participate in training through which they could become computer technicians with four XXXX certifications and after that receive continuing placement services from the schools in the field of information technology. Instead, the closure of the schools has left students who paid at least {$13000.00} in advance without the ability to complete the training programs or receive the continuing placement services at the XXXX schools as promised. The lawsuit alleges that the Defendants have failed to pay back a penny of the money taken from students. The lawsuit filed in federal court further alleges that the owners and operators of the XXXX schools were aware that their business was in dire financial trouble in XXXX. Still, they concealed these financial difficulties and the risk that they could not provide the program and placement services to the students enrolling in their programs. Instead, according to the lawsuit, the Defendants allegedly began an admissions push that included hiring numerous additional salespeople, increasing the compensation and commissions to such persons, slashing tuition at many schools, and enrolling as many students as possible. That lawsuit alleges that during the admissions push in late XXXX, Defendants knew or should have known that, due to XXXX financial trouble, the students they were enrolling in might not receive either the training program or the placement services which some were paying as much as {$28000.00}. According to the lawsuit, the Defendants also told students that they would receive full refunds if the school closed before they completed the program, then promptly locked the doors without giving any refunds. The XXXX XXXX, XXXX, which filed the lawsuit on behalf of the former XXXX students, is a law firm that aims to help those who are victims of unfair, deceptive, and abusive practices committed by for-profit schools and others. For-profit schools selling education to adults are big businesses in the United States XXXX With direct mail campaigns and through the newspaper, television, and Internet ads, these schools, institutes, and so-called " colleges '' frequently attempt to lure adults into expensive programs of study with promises of future employment in high-paying jobs or easy-to-obtain credentials, high school " diplomas '' or college " degrees. '' The owners and operators of these schools often make huge profits through tuition payments, typically paid with federal, state, or private loans obtained by or on behalf of the students. Many state and federal laws prohibit unfair and deceptive practices, and some rules also reward whistleblowers who report fraud committed against the government. | ||||||
| 10/19/2017 | Yes |
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| Back in XXXX of XXXX I contacted Navient about enrolling in a deferment payment plan for my private XXXX XXXX. I explained to them that I had medical issues and was having a hard time repaying my student loans. They told me that if I made a payment of {$56.00} that it would move my loan into deferment until XXXX. I made the payment online using my bank account information on XXXX XXXX, XXXX. The payment was received. I started getting calls from Navient that my account was not put into deferment as my payment came in a day late. I entered into another arrangement to pay {$50.00} to come out of my checking account over the phone on XXXX XXXX, XXXX. I looked online in my Navient account, and it showed the {$50.00} payment was received. By XXXX XXXX, XXXX, the {$50.00} had not come out yet. So I contacted Navient to see why the payment had not come out yet. They stated they called me on XXXX XXXX, XXXX, as there was an error with my payment. My bank is closed on XXXX so I waited until Monday, XXXX XXXX, XXXX, to call my bank and see if there was an issue with my payment coming out. My bank stated they did not see any transaction from Navient and suggested I call them. I called Navient to which they told me they sent my loan to default as the payment had to be received by the end of the business day of Saturday, XXXX XXXX. XXXX. I told them that my bank is closed on XXXX so there was nothing I could do in regards to checking on why the payment did not go through. I asked her, XXXX XXXX, what error was received. She stated that the payment got rejected with a frozen/blocked error. I called my bank again, XXXX, and asked how this could have happened. They stated that no charge tried to come out of my account and that they would see some sort of transaction record if it had and the only way that a frozen/blocked error would have been received is if my account was frozen or if I blocked the payment, to which neither was done. I called XXXX XXXX back at Navient to try and make the payment again and she would not take it. XXXX XXXX also made an inappropriate comment about why I took so long to make a payment or try to arrange a payment plan. I told her that I had a false XXXX XXXX this past year while I was pregnant and then had a baby and tried to get my loan into deferment back in XXXX but was a day late on the payment so I tried again and now there is an error that I do n't know how it happened. XXXX stated that if I could send her my bank account statement for XXXX to show that the money was in the account they would think about reversing it out of default. I obtained XXXX XXXX 's email address and sent my bank statement in. XXXX XXXX then called back on XXXX XXXX, XXXX, stating that my request had been denied because the reason why my payment was declined as frozen/blocked is because I use a prepaid debit card. I explained to her that just because it was a prepaid card, I still have an active checking account, that I have made a payment to Navient before in XXXX XXXX using my checking account and routing number from my account, and that I pay other bills using my routing number and checking account number and this has never happened. That the fact that it is a prepaid account does not invalidate the checking account information. I then asked XXXX to look up the transaction history to see what numbers were actually entered for the payment by Navient. XXXX XXXX then stated that she could not see the transaction history but could only listen to the recorded audio conversation and obtain the account information I relayed on the phone. I asked XXXX how it could be that Navient could not tell me what account they tried to use for the payment and how they could not have any transaction history. She would not answer. My student loan is now in default and I am 100 % certain it is in default due to XXXX own incompetence and them trying to cover up their mistake. I have experienced nothing but rude comments and no willingness to help correct an error on XXXX end. I believe I was treated unfairly due to my past due payments and Navient not wanting to help. I am still trying to figure out how to access the transaction history to see what exactly happened. | ||||||
| 07/27/2017 | Yes |
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| I have called Navient on 3 separate occasions to discuss my payments on my account and have yet to receive an answer. They replied with one letter after the first call that was generic ; that did not answer my specific question. the second and third calls did not provided resolution or result in the letters that they promised. I believe that Navient is not processing my payments correctly as my whole payment amount continues to be applied toward interest only. Interest should not be outstanding on the account as I have used several forbearance periods. It is my understanding that the interest that accrues during a forbearance period AND that interest should be capitalized at the end of the forbearance AND added to the principle of the loan before repayment starts again on eligible loans -- my loans are eligible for this. In XX/XX/XXXX, I consolidated all of my loans ( XXXX ). I made the next payment of {$250.00} XX/XX/XXXX( which went all toward interest ), then entering into a forbearance period on the loan. In XX/XX/XXXX, I can see " capitalized interest '' was added to the loan in the amount of {$1200.00}. XX/XX/XXXX - XX/XX/XXXX I can see that I made monthly payments of {$250.00}, which were all applied to interest only. On XXXX XXXX, XXXX, {$490.00} capitalized in interest was applied. On XX/XX/XXXX there was a payment of {$250.00} of which {$240.00} went toward principle and {$8.00} went toward interest. -- - showing at this point I did not have outstanding interest as the principle was paid down. On XX/XX/XXXX there was a payment of XXXX that applied {$330.00} toward principle and {$260.00} toward interest -- again showing that there was no outstanding interest as the payment was applied to both principle and interest. Again, I entered into forbearance. The following entries are listed on the account, XX/XX/XXXX Capitalized Interest of {$0.00} and on XX/XX/XXXX Capitalized Interest {$2400.00}. -- - appears that my interest was not entirely capitalized correctly. On XX/XX/XXXX a Payment of XXXX was made on the account of which {$320.00} went toward principle and {$260.00} went toward interest. -- - again showing there should be no outstanding interest as my payment went toward P & I. Again I entered forbearance. There is a spot on the account at the end of this forbearance ( XX/XX/XXXX ) that lists " Capitalized Interest ''. However, again the amount of interest that capitalized is listed as {$0.00}. As far as I am aware, each time at the end of the forbearance, the interest should have capitalized and been added toward the principle of the loan. This appears to be the case up until this date in the process, as the above payments I mentioned are going toward both principle and interest. As far as what Navient has explained over the phone, any outstanding interest must be paid first. So up until this point in the process, it appears that there is no outstanding interest in the account as the 3 payments mentioned above were going toward both ( P & I ). On XX/XX/XXXX ( at the end of the forbearance ) a payment of XXXX went toward interest only. As well as the payment made on XX/XX/XXXX of XXXX also going toward interest only. Again a forbearance was requested. With a payment being made on XX/XX/XXXX of XXXX going toward interest only. The capitalizing interest was listed as being applied on XX/XX/XXXX, however, again {$0.00} capitalized, so nothing was added to the principle. I have continued to make on time, all payments mentioned above were on time, payments of {$370.00} from XX/XX/XXXX through XX/XX/XXXX. These 6 payments were ONLY applied to INTEREST, when they clearly should have been applied to the principle also. Continuing XX/XX/XXXX through to XX/XX/XXXX I continued to make on time payments of {$430.00}. These 6 payments were ONLY applied to interest. These payments should have also been going toward interest and principle. I am on an IDR plan. However, I have confirmation from the lender that my interest every month is around {$250.00} - {$280.00}. The amounts I have been paying have always been MORE than the interest I am accruing every month, so there should be no reason that I am continually paying interest on this loan. | ||||||
| 12/22/2019 | Yes |
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| I began my college career in XXXX. Having come from a hard working, middle class family during XXXX of the toughest financial times this world has seen since the Great Depression ; there were not many monetary options out there for putting me through college. My family and I turned to student lending ; and Private loans were the only option we had. I signed on with Navient just one year before they created their Smart Option loan plan with the help of a co-signer. My mother had to make large interest payments towards my loans through the duration of my college career. These payments were about XXXX XXXX monthly. Upon completing college, within that years time, I was now tasked with making student loan payments towards my private and federal loans. This was my financial crisis as a young professional and new adult! I was expected to make {$450.00} / m payments to Navient at a time where I was temping and work was not steady. During this period, I spent a countless number of lunch breaks, afternoon strolls, and Saturday mornings on the phone with this service provider. I tried time and time again to see if I could simply lower my payments so that I could afford to make them. The information provided to me was that the kind of loan I initially signed for, contractually ties to me to making no less than the standard monthly payment. This loan had an interest rate of nearly XXXX XXXX and the payments were being mostly allocated towards interest. This information forced me to use up my 3 forbearance allowances with the company. After those three months I was forced to find ways to afford my monthly payments for fear of hurting the credit of my co-signer who put her financial health on the line so I could attend university. Over time, work became more steady and I began my young adult life ; moving into first apartments and stretching my hard earned dollar to afford me my responsibilities XXXX rent, student loans, credit card ), but also afford me my social life. I wouldnt have much left for savings and often ended the month on E! During this time my Navient loan payments began to increase. My initial payment in XXXX was something around {$450.00}. My highest payment hit in about XXXX ; when my payments reached over {$700.00} per month with most of it being allocated towards the interest and not principal. Along with my rent XXXX in NYC $ $ $ XXXX and small cc payment, my monthly expenses rose to about $ XXXX month. That is what I owed the universe at the start of every month at the age XXXX years old. I began working side jobs and doing anything I could do to stay on track. My life became a 30 day work month, spread thin but trying my best to make it all work. I had given up on approaching Navient with requests to lower payments after years of frustration. They had won. Even just calling them was a frustrating task. They made it so it was nearly impossible to get to an actual human being. I was sit on the phone and just hit 0 for about 5 mins until the automated voice finally transferred me to a human. I was determined to just keep my head down and pay this thing until hopefully one day, it was all over. Now, it is almost XXXX and I have been following the lawsuit of this company for the last two years. When I read what the CFPB filed against Navient, I teared up. This was my exact experience. I just wanted an education and my family couldnt afford to send me ; this was our ONLY option and I have been paying for it ever since. My idea of wealth has been reframed in the past 8 years. I now see the privilege and luxury of not having to pay student loans. That is my idea of wealthy now. I think about all the things I could have done if I wasnt forking over {$700.00} of my income to a loan shark more infamous than any mobster. I know their practice of predatory servicing deeply affected my XXXX and it is a period of time I will carry with me for the rest of my days. I know THIS is the harsh realty for so many like me who happened to be prime for university at the worst financial times globally. I am nearly finished paying this loan. My payments have lowered. But the scar of this experience is very much still there. | ||||||
| 09/29/2018 | Yes |
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| A TOTAL OF 12 STUDENT LOANS ON MY XXXX REPORT THAT WERE NEVER LATE AND HAVE BEEN PAID IS FULL ARE BEING REPORTED WITH THE STATUS OF " UNKNOWN '' ALTHOUGH AN INVESTIGATION WAS DONE. IF THIS HAS BEEN INVESTIGATED, THEN THE STATUS SHOULD BE KNOWN. I'M GETTING THIS MESSAGE ON ALL THE ACCOUNTS : XXXX/NAVIENT You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. DEPT OF ED/NAVIENT Payment never late Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. DEPT OF ED/NAVIENT Payment never late Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. DEPT OF ED/NAVIENT Payment never late Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. DEPT OF ED/NAVIENT Payment never late Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. DEPT OF ED/NAVIENT Payment never late Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. DEPT OF ED/NAVIENT Payment never late Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. DEPT OF ED/NAVIENT Payment never late Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. DEPT OF ED/NAVIENT Payment never late Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. | ||||||
| 12/13/2020 | Yes |
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Web | Servicemember |
| XXXX XXXX Complaint Employment Prospects I was told by XXXX XXXX employees that if I attended and stayed the course at school, I could get a XXXX job starting at {$55000.00} salary right out of school. I found this was not the case as I couldnt get any job interviews and found the information they told me about employment prospects misleading. The above described activities constitute violations under the applicable state consumer protection laws and constitute common-law claims for breach of contract and negligent misrepresentation. In addition to causing enrollment, these actions also induced reliance to remain at the school. Program Cost and Nature of Loan I was told by the school that it would be funded through the VA using my GI Bill and I wouldnt have debt. I would talk with the student counsellors and they would confirm this. I used 100 % of my GI Bill and still there were federal and private loans taken out in my name. I was misled as to cost of everything and how it was being financed. The above described activities constitute violations under the applicable state consumer protection laws and constitute common-law claims for breach of contract and negligent misrepresentation. In addition to causing enrollment, these actions also induced reliance to remain at the school. Career Services XXXX XXXX said they had contacts with XXXX firms and would help me get a job, but I never received any phone calls or interviews from any of these alleged firms. I had meetings with counselors who told me I needed to stay the course at XXXX XXXX to be highly sought after in the job market, but that was not the case. I ended up having to get a job in installation through no help of XXXX which was not in my field of study. The above described activities constitute violations under the applicable state consumer protection laws and constitute common-law claims for breach of contract and negligent misrepresentation. In addition to causing enrollment, these actions also induced reliance to remain at the school. XXXX XXXX The professors were mostly graduates of XXXX XXXX themselves and the classes were not that challenging. I was told I would receive a good education in IT, but this was not my experience. The above described activities constitute violations under the applicable state consumer protection laws and constitute common-law claims for breach of contract and negligent misrepresentation. In addition to causing enrollment, these actions also induced reliance to remain at the school. Admissions and Urgency to Enroll XXXX XXXX called me constantly telling me to sign up and pressuring me to enroll immediately. They would tell me about all these programs and how great the starting salary was for graduates and that I had to sign up as soon as possible. The above described activities constitute violations under the applicable state consumer protection laws and constitute common-law claims for breach of contract and negligent misrepresentation. Other XXXX XXXX closed all of its campuses in 2016 and declared bankruptcy. There is an ongoing bankruptcy case in which the XXXX XXXX XXXX XXXX on Predatory Student Lending is representing a class of former XXXX students. Recently there was a settlement in the bankruptcy case where XXXX canceled over {$500.00} XXXX in debt that it held and the student class received a {$1.00} XXXX claim in the bankruptcy. Additionally, there have been numerous lawsuits and investigations into XXXX XXXX by both federal and state agencies over the years. Additionally, XXXX XXXX was found responsible of using aggressive recruiting tactics and not meeting educational standards. I was also found that 90 percent of low-income students recruited at one campus could not perform basic math. I now stuck with Private loans, which were falsely identified to students as grants. Now Im stuck paying Private loans. Both state attorneys and federal agencies conducted investigations also found XXXX XXXX was granting degrees without accreditation, misleading students into taking out private loans and not being forthcoming with the transferability of credits earned making degrees or credits earned meaningless. | ||||||
| 12/29/2017 | Yes |
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| I was making regular monthly payments on my schools loans until XXXX when my husband lost his job of 32 years and we were forced into a XXXX XXXX bankruptcy to save our home. I was in a forbearance on my school loans for the 5 years I was in the bankruptcy. I was unable to access my account online and CS would not speak to me about my account during this time. The bankruptcy was dissolved in XXXX XXXX. I never received any statements from Navient. On XXXX XXXX, XXXX I receive an email stating that I was severely delinquent on my account. They were demanding over {$600.00} from me to be current. I called right away ... XXXX/XXXX/XXXX to discuss that this was the first notification I ever received from their company. The customer service rep insisted that they have been sending me numerous emails and they must have gone to my spam mail. However, I seem to be getting their numerous emails now. She also insisted that I demanded my statements through email, which I have never requested with this company. Most of my dealings were with XXXX XXXX. I never set up an account with Navient until XXXX/XXXX/XXXX when I received their email. Before the bankruptcy I received a paper statement in the mail every month. I explained to the CS rep that I lost my husband unexpectedly on XXXX XXXX, XXXX of this year and was left with no life insurance policy and my home is in the middle of foreclosure. I have been forced to find a place to rent and there was no way I can pay what they claim is my late charges and I can not afford the {$220.00} a month they expect as my monthly payments. Before the bankruptcy I was paying {$55.00} a month and I am not sure why it is so much now. She did explain that I could complete an application for an Income Driven Repayment plan and is sending me that in the mail. In the mean time she told me that she would put my loan in forbearance eliminating the past due amounts and my payments would be {$110.00} month starting in XXXX XXXX. However, my account on their site says something totally different and I have numerous emails now coming to me with different payment amounts. The latest one this morning stated that my monthly payment was {$190.00} due on XXXX/XXXX/XXXX. No one at this company seems to know what they are doing. You get a different answer every time you speak to someone and the amount you owe and the payments required changes constantly. They are unorganized and not very helpful. I just think this company should have better control over the services for their customers and be more accommodating to their individual needs and life circumstances and this would help them get the money that is owed. I am not looking to ignore my obligation. I am looking for someone to work with me to find a monthly amount I can afford and update my account on their website correctly so I can manage this and send me the emails that I need confirming the amount that I am obligated to pay each month and follow this up in writing and mailed to my home address. Although the representative I spoke with yesterday did soften once I told her my life situation, she was not very knowledgeable and did not update anything on my account. I also do not feel this company is very truthful. They never sent me any emails, nor did they ever notify me that my forbearance was now over and I needed to start paying on my loan. I got nothing except for the horrible email yesterday stating that I was delinquent. My husband and I had wonderful credit until 5 years ago when we fell on hard times. Instead of doing what the rest of America did and walk away from our mortgage, we stayed, filed the chapter XXXX and paid our mortgage every month ... only for me to lose my husband and now I will lose my house anyway. I am willing to pay my obligation to this company and believe in paying my debts ... I just need them to be truthful, upfront and helpful in getting a payment I can afford and updating their information correctly for people to manage their accounts effectively. I also feel that a follow up letter should always come through the mail if they feel someone is delinquent in their payments. They should not be relying on email. Thank you XXXX XXXX XXXX | ||||||
| 11/07/2017 | Yes |
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| I 'm writing in regards to my Account # XXXX with Navient My parents are XXXX XXXX XXXX that came to America with nothing and had to work for modest wages in manufacturing to provide for my sister and I. I decided to pursue my passion of the arts. They willingly and readily cosigned my private and federal student loans to attend college. I remember that day clearly now. A slick talking business man in the Financial Aid Office at the University XXXX XXXX sold us on XXXX private loans. He said it will be easy small monthly payments. Even he took one out for his son he said to provide comfort. I was young, naive, uneducated about financial aid being the first to navigate the path to higher education in my family. My parents just wanted the best for me. Unfortunately none of us knew that we just signed our life sentence. Fast forward to the present. I work in manufacturing logistics. I work 60 plus hours just to get by. Overtime is n't extra money lying around, it barely keeps my family afloat. I have a wife who has XXXX XXXX XXXX who stays at home to care for my stepdaughter and my XXXX year old son. Yet, the DOE uses the AGI to calculate payment plans. That money I made is n't sitting around. Each week I barely have XXXX dollars to my name after paying for rent, medical bills, groceries, electricity and telecommunication. How does the DOE justify using that to formulate " affordable '' payment plans. I 'm currently on administrative forbearance due to my Defense to Repayment application. If I had to pay my monthly payments, I would n't be talking to you right now because I 'd be in the streets homeless with my family. The government profits off of student loan debt and defaulted loans. That 's wrong. I beg and plea with Navient to keep my monthly payments at {$0.00} or less than {$100.00} because it 's money I ca n't afford to part with. Each summer when I get the recertification, recalculation, repayment renewal letter, I get anxious and depressed, because I may have made more money, but all the money is going towards surviving. I wanted to get a good job teaching the arts. High school did n't educate you about financial aid and it 's many traps. My parents had to empty their savings to pay off my private loans because they were becoming unbearable. Why am I being punished for wanting to pursue an education for myself? I invested in my future but the government wants to drain me of the pennies I have. I can not afford it any longer, my family is falling apart because of my student debt, if I knew what I know now about financial aid I 'd have never gone to college and followed my dreams. I tell everyone not to go school if loans are involve, because they are XXXX. I 'm depressed and anxiety ridden, my marriage is falling apart, I living in an impoverished neighborhood in basically an attic with my family of XXXX. I 'm a struggling head of household. I 'm the only one that works. My meager incomes supports XXXX. My son 's XXXX, my stepdaughter is in therapy for XXXX and XXXX and my wife has debilitating XXXX. If I can get my federal loans forgiven, it would be some weight and stress off my shoulders. I resort to not eating so my family can eat cheap dollar menu unhealthy food. State assistance is limited because their poverty levels are ridiculous for aid. Navient wo n't help. XXXX and XXXX did n't help. Not sure the DOE will help. If Donald Trump and corporations can get bailed out, how come students get shafted? The government and lenders make money either way ; so why harass and torture students and their families? If I die, my debt is transferred to my next of kin ... that 's just sickening. I need help, I tried all the programs, I wrote letters, I tried to find assistance, I 'm working myself to the bone. I do n't know how much more I can take. And I bet you all I '' m going to get is robotic reply saying basically " too bad ''. Please help, please discharge my loans and I 'll continue paying taxes on it if that 's the deal. Please transfer back the funds my parents paid out for my private loans back to my parents. They ca n't retire because of me. Please help, I beg of you. | ||||||
| 12/28/2022 | Yes |
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| I am writing to make you aware of ongoing problems I have experienced with Navient Private Student Loans inaccurately reporting delinquencies to credit bureaus, lacking any reasonable process to resolve these errors, and being generally unhelpful with regard to these issues. As a first generation college student from a modest background, it was necessary for me to take out PRIVATE student loans, in addition to public ones, in order to pay for my Master's-level education. As you know, private student loans are not impacted by any of the student loan relief programs that were ( thankfully ) enacted by the XXXX administration due to the pandemic, and monthly payments have been required for the duration of that time period. Like many others, I struggled financially during the pandemic due to a job loss, and was barely getting by doing freelance work. I am also a single parent solely responsible for supporting my teenage daughter. Navient put me on a " rate reduction '' program for both my private loans during this time period, under which I pay reduced, interest-only payments for XXXX months, at which point my eligibility for the program must be re-evaluated. If I am delinquent at the time I start the program ( I believe delinquency may be a requirement for enrollment but I'm not entirely sure ), I have to make XXXX on-time payments before my credit report is corrected. This means that the loans in question have to show XXXX days overdue before they are corrected, provided payments are made. The problem is, Navient promises to correct this information, and never does. Having recently obtained a full-time, staff reporter position at a news publication, I feel like maybe I can actually look at buying a house in the next year, so I recently took a look at my credit report. Navient reported me 60 days delinquent for XXXX of the private loans THIS MONTH ( XX/XX/XXXX ), despite automatic payments for both loans going through my account successfully this month and in recent months. I called Navient to correct this issue today ( XX/XX/XXXX ) and was told their system shows that I owe more per month than what they are charging me.?? This is not the first time this has happened -- the last time I had to call to request a correction was just XXXX months ago ( XXXX XXXX ), when an identical error occurred. Furthermore, I have delinquencies between XXXX and 120 days for XXXX loan or the other on my credit report for XXXX through XXXX of XXXX, XXXX through XXXX of XXXX, and XXXX of XXXX. All of these instances occurred when I was on a rate reduction program and required to make XXXX consecutive payments in order to have the delinquencies corrected, but this never happened. When I mentioned these instances today, I was told by the person I spoke with ( XXXX XXXX XXXX, # XXXX ), that I would need to WRITE A LETTER to their dispute XXXX department in order to have these errors corrected. It is unbelievable to me that Navient does not have a more efficient process for rectifying these errors, especially for the ones occurring over the last 12 months. I don't think I've had to use snail mail for anything other than personal correspondence for at least a decade. These recurring errors negatively impact people 's financial prospects, and lead to someone like me, a single parent with a stressful full-time job, having to spend hours on the phone and WRITE LETTERS to resolve them. It seems that Navient should consider overhauling its systems to dramatically reduce the frequency with which these errors occur, and a much more efficient and rapid system for resolution should be implemented for when they do occur. I was also informed by the person I just spoke with that Navient 's private loan rate reduction department " has been dissolved '' which concerns me in terms of how these issues will be handled in future. I am seeking efficient and timely correction of the errors on my credit report related to private student loans serviced by Navient, and for errors of this nature to cease occurring, so I can begin the process of looking at purchasing a residence for myself and my daughter. I appreciate your time and attention to this matter. | ||||||
| 03/25/2019 | Yes |
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| On XX/XX/2019 at XXXX XXXX, I received a call from a representative from telephone number ( XXXX ) XXXX. I indicated it was not a good time to talk. The representative insisted I speak with his supervisor and placed me on hold during which I ended the call. On XX/XX/2019 at XXXX XXXX, I received a call from another representative from telephone number ( XXXX ) XXXX. I repeated it was not a good time to talk. The representative inquired why I did not make enough to make the loan payment and questioned whether I had a job in the field of my degree. This call lasted four ( 4 ) minutes. On XX/XX/2019 at XXXX XXXX, two police officers arrived to my work place and mental health arrested me because a representative from Navient called and reported ( falsely ) that I was suicidal. This was humiliating and remains a brutally humiliating experience. Not only was I forced to speak with the local police department about the status of my private student loans, but also all of my co-workers and colleagues that saw me arrested from my workplace. On Saturday, XX/XX/2019, I received four ( 4 ) phone calls from ( XXXX ) XXXX, beginning at XXXX XXXX and ending at XXXX XXXX. On Sunday, XX/XX/2019, I received at phone call from ( XXXX ) XXXX at XXXX XXXX. On Monday, XX/XX/2019, I received five ( 5 ) phone calls from ( XXXX ) XXXX at XXXX XXXX, XXXX XXXX., XXXX XXXX, XXXX XXXX., and XXXX XXXX. On Tuesday, XX/XX/2019, I received six ( 6 ) phone calls from ( XXXX ) XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX On Wednesday, XX/XX/2019, I began to receive phone calls from ( XXXX ) XXXX, beginning at XXXX XXXX At XXXX XXXX., I spoke with XXXX and requested the phone calls stop. On XX/XX/2019, the phone calls from XXXX XXXX XXXX XXXX started again. I received phone calls from ( XXXX ) XXXX at XXXXXXXX XXXX, XXXX XXXX., XXXX XXXX., XXXX XXXX., XXXX XXXX. I answered the telephone call at XXXX2 XXXX and spoke with a female representative and asked for the phone calls to stop. I received additional phone calls from ( XXXX ) XXXX on XX/XX/2019 at XXXX XXXX and XXXX XXXX On XX/XX/2019, I began to receive phone calls from ( XXXX ) XXXX. On XX/XX/2019, I received seven ( 7 ) phone calls from ( XXXX ) XXXX at XXXX XXXX., XXXX XXXX., XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX I answered the call at XXXX XXXX and spoke with a XXXX XXXX. I asked XXXX XXXX to stop the telephone calls and explained that I was uncomfortable speaking with a representative because a representative had called the police on me on XX/XX/2019. On XX/XX/2019, I received phone calls from ( XXXX ) XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX., XXXX XXXX, and XXXX XXXX No message was ever left. On XX/XX/2019, I began to receive phone calls from ( XXXX ) XXXX. On this date, the calls began at XXXX XXXX and continued throughout the day at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX at XXXX XXXX I called this number at XXXX XXXX and confirmed it was Navient by the recording that answers the call. No message was ever left. On XX/XX/2019, the phone calls from ( XXXX ) XXXX began at XXXX XXXX with additional phone calls received at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX No message was ever left. On XX/XX/2019, I received calls from ( XXXX ) XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX Today, XX/XX/2019, I received phone calls from ( XXXX ) XXXX at XXXX XXXX and XXXX XXXX At this time, I indicated to a representative that I have retained an attorney ( having to confirm that yes, I did pay money to an attorney ) and received assurance that the telephone calls would stop. Navient has previously indicated that the telephone calls are to simply remind someone of their obligation. A Navient employee called the police on me and I have continued to receive up to eight ( 8 ) phone calls per day since then. These telephone calls are not meant to remind me of any obligation they are to bully an unfortunate borrower into making a payment as the representatives have clearly indicated that the calls will continue until a payment is made. | ||||||
| 05/01/2017 | Yes |
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| XXXX XXXX XXXX , XXXX I received a mail piece from XXXX XXXX XXXX about an account for a private student loan debt which is now 10 y rs old. I called to inquire about the debt. On this account I spoke with XXXX XXXX who pretty much insisted I consolidation all my loans to make part of the Perkins loan on this acct. be included. They had me stay on the phone for 2 hrs waiting till I logged into XXXX XXXX . to apply for the consolidation, and even pretty much rushed the process for reading the promissory note for the consolidation. XXXX XXXX XXXX were extremely gracious and patient up until I signed the promissory note for the consolidation. I advised them of of my financial status and they did not want to work with me on any arrangements/just the consolidation. Then they got nasty and hung up in my face The total account for XXXX XXXX is about XXXX . The amount not included in the consolidation is about XXXX . The holder of the account is University XXXX XXXX XXXX . The loans were taken in in XXXX , XXXX . I was never informed the debt could not be collected after XXXX yrs because of the promissory note law for the state of Missouri. I only found out about the private student loan laws last friday. All these years I was under the impression I could be held in default if I did not keep up with the private/Perkins loans like I did with the federa l loans.They previously used another loan servicer called XXXX . I have several student loans mostly federal. I kept the deferments up to date through the years being told that default was the only other option. I am in the process of applying to cancel my student loans because of breech of contract by XXXX institutions. The reason I am applying for cancellation of my student loans is I have not been able to find a job for 10 + y rs. I graduated from XXXX in XXXX w/ XXXX in XXXX XXXX , for an attempted degree in XXXX XXXX . Before attending XXXX I was certified to XXXX XXXX in the state of KS from XXXX to XXXX . I already was employed by two XXXX XXXX but they kept dragging my degree requirements on for years. I was XXXX while I attended there. When I asked to have my class scheduled so I could XXXX they kept ignoring me and making my schedule impossible for me to XXXX part-time. It made my employers get angry with me. I was employed by them in XXXX to XXXX . I graduated in XXXX with a degree in XXXX XXXX XXXX from XXXX University. XXXX was just sued by the FTC in XXXX XXXX for false advertisement on graduation job placements and is now paying XXXX XXXX in restitution to students. XXXX made several attempts to get me to re-enroll in the XXXX of XXXX even though I had been there 5 yrs. They even had XXXX tell me on several occasions if I came back they would forgive my private loans with them. I believe they wanted me to stay because I improved student retention. There are other reasons such as threats and intimidation that occurred XXXX that caused me to get my XXXX XXXX degree and leave. They changed my degree requirements, made me take extra classes that were not on my original degree contract, changed my status from student to employee at one time when I was not employed by them and did so many other harassing things through the years I just got sick of them. They made me take a class where they told me only XXXX XXXX would be selected to XXXX in the next ten years. I am XXXX XXXX . they even gave me a text book that said the same, called " XXXX XXXX XXXX '' ; a class they made me take after changing my degree requirements. After I graduated I even got viruses attached to my computer from their email server so I stopped emailing them years ago, that is XXXX and XXXX . The new loan servicer, XXXX XXXX does not provide an email. This debt should be canceled because of the ridiculous predatory practices employed by the school. XXXX XXXX has tactics to get students to agree to consolidation without showing actual account balances which is not right. All I wanted to do was talk to them about the letter I received. | ||||||
| 07/29/2021 | Yes |
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| 1. On XX/XX/XXXX, I paid off loan # XXXX. The remaining principle was {$300.00}. I paid {$300.00}. The remaining balance : {$0.00}. [ ByLoanXXXX.pdf ] [ Screenshot ( 26 ) .png ] [ r_Navient payments XXXX_Redacted.pdf ] [ XXXX -XX/XX/XXXX Fwd_ Payment Confirmation.pdf ] 2. On XX/XX/XXXX, I paid off loan # XXXX. I paid {$250.00} the remaining principal. The remaining balance : {$0.00} [ ByLoanXXXX.pdf ] [ Screenshot ( 25 ) .png ] [ XXXX payments navient export_XXXX.pdf ] [ XXXX - [ XXXX ] Fwd_ Payment Confirmation.pdf ] [ XXXX - [ XXXX ] Fwd_ Payment Confirmation.pdf ] 3. For loans # XXXX and # XXXX, Navient applied a {$320.00} past due amount ( for loan # XXXX, {$230.00} ; for loan # XXXX, XXXX ). Navient never accounted for this past due amount. It has also indicated on its Payment page that the Past Due is ( included in Amount Due ). [ Screenshots ( 9 ) ( 16 ) ( 24 ) ( 27 ) .png ]. For each loan, the Amount Due was {$0.00}. 4. On XX/XX/XXXX, Navient indicated that my Total Current Balance is {$110.00}. This amount is the total balance it ascribes to loans # XXXX ( {$110.00} ) and # XXXX ( {$1.00} ), both of which I have paid in full. I have contacted Navient several times to update my balance to {$0.00} for both loans, and it has refused to do so. [ Navient _ All Loan DetailsXXXX_XXXXpdf ] 5. Loans # XXXX and # XXXX were originally Sallie Mae loans ( as were others ). I had gone into default in or around XXXX or XXXX. Navient became the loan servicer and has been so since XXXX or XXXX. 6. The original loan amounts for the loans in dispute ( # XXXX and # XXXX ) were {$10000.00} and {$5000.00}, respectively. Altogether, I paid at least {$15000.00} on # XXXX and {$7400.00} on # XXXX. I have paid on these loans consistently for over 10 years. [ XXXX XXXXpdf ] [ ByLoanXXXX.pdf ] [ ByLoanXXXX.pdf ] 7. Though I have paid off these loans in full, Navient has now discovered an additional amount of money it claims I owe. Specifically, it now indicates on its website that, as of XX/XX/XXXX I owe {$5300.00} on loan # XXXX and {$2600.00} on loan # XXXX. First payments due : XX/XX/XXXX. This is nothing less than a shake-down. [ Navient _ Loan Details XXXXpdf ] [ Navient _ Loan Details XXXXpdf ] 8. Moreover, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX indicating that this is an attempt to collect a debt of {$4500.00}. It lists Navient as the Current Creditor. The letter indicates that I have 30 days to dispute the collection. Whether this is a separate scam or part of Navients scam to collect a debt I do not owe, I can not say. Nevertheless, the letter alerted me to the fact that Navient is trying to get from me a total of {$20000.00} from a loan that was originally for {$10000.00} ( loan # XXXX ), and {$10000.00} from a loan that was originally for {$5000.00} ( loan # XXXX ). [ XXXX letter.jpg ] 9. Whenever I have attempted to resolve issues with Navient, I have been directed to XXXX a collection agency. Now it appears that Navient has referred me to a new collection agency, and for money that I do not owe. 10. Over the years, Navient has charged me fees for which it has never accounted. 11. In XXXX, FOR THE SAME LOANS ( # XXXX and # XXXX ), Navient changed my fixed interest rate to a variable rate. Navient increased the interest rate from 0.001 % to 10.750 %. I submitted a complaint to CFPB ( Complaint Number XXXX ) ; Navient then reverted to my 0.001 % rate. I suspect this newfound debt is an attempt on Navients part to collect interest that it tried to collect 3 years ago. 12. Navient indicates a past due amount for loans # XXXX and # XXXX. It indicates for this late charge the date XX/XX/XXXX. I made payments to Navient on XX/XX/XXXX for loan # XXXX ( {$150.00} ) and loan # XXXX ( {$75.00} ). [ Screenshot ( 33 ) XXXXpng ] [ provident payments navient XXXXpdf ] 13. In a proposed class action that a federal judge recently ruled borrowers could pursue, the plaintiffs claim that Navient disproportionately applied payments to interest rather than principal, incorrectly capitalized interest and steered payments to lower interest rate loans. claim regarding fees. This has been my experience with Navient. | ||||||
| 05/10/2021 | Yes |
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| I have now disputed this with XXXX and XXXX on several occasions and neither of them resolved this issue. I filed a separate complaint with CFPB against both of them, which didn't yield helpful results in fixing this issue. I've personally written Navient ( through their website, several times ) to discuss this as well. I've never received a response from them in over a year. Navient has reported to the 3 major bureaus that I had fallen behind on payments on 9 of my student loans. So, each individual credit report displays both 90 and 120 day marks 9 different times. More specifically, the 90 and 120 markings for each of the 9 loans are placed under XXXX and JXX/XX/XXXX, which suggests that I was 90 days behind on payments in XX/XX/XXXX and 120 days behind on payments in XX/XX/XXXX. This turned these 9 loans into adverse accounts on my credit reports. Further, these derogatory markings were deliberately placed on my reports to suggest to other creditors that I was not paying as agreed upon and that I was not current on my payments. This has caused all sorts of barriers for me in multiple areas of my life, as it's been 4 years and 11 months since Navient first reported this information. The big issue with all of this is that I have never made a late payment on these loans. Ibe never fallen behind on them. These loans were always placed in deferment or forbearance until consolidated in XX/XX/XXXX. Interestingly, I have other federal loans that were all on the same course as these 9 and all went back into repayment at the same time after graduating college and the 6 month grace period expiring. I'm unsure how 9 loans defaulted but the others did not. This next part is what I find to be particularly peculiar. Each of the 9 loans show that I was current on my payments in XX/XX/XXXX, just one month before I allegedly became 90 days late on payments. They also show that I was current on my payments inXX/XX/XXXX, 2 months before I allegedly became 90 days late on payments. Not 1 of the 9 loans on any of the 3 major reports show any indication that I was ever 30 or 60 days past due on payments. So, how did my payment history suddenly become 90 days past due on 9 different loans? Not one of the many employees I've spoken with from XXXX, XXXX or XXXX can answer this question. Yet, somehow, after countless calls, speaking with customer service representatives and supervisors, multiple direct disputes online with the 3 bureaus, disputes put forth through XXXX XXXX and having already filed 2 complaints with Comsumer Financial Protection Bureau, these misleading and outright false markings remain on my credit reports. Every time Navient has been investigated regarding this matter, I get the same response : Navient verified the information im disputing on my report as accurate. Case closed? I'd like to know who is doing the investigating then and if it is actually even occurring because after the " results '' come back, I'm not entitled to see how Navient responded. I'm concerned about the system here because I've been told several times now that for this information to come off, I am the one who needs to provide documentation as evidence. So, a company working directly with our federal government falsely reports misinformation about one of it's consumers for 5 years, depicting them as unreliable, irresponsible and uncreditworthy in a report read by people who quite literally use that information to dictate the most important areas of the consumer 's life ... ... and when the the consumer discovers this defamatory reporting, they're the one that has to prove their innocence? Something is not right there. If that's the case, this system is broken. I am asking here because a supervisor at XXXX verified that as accurate. I have attached screenshots from my XXXX credit report of the 9 loans and how it shows I was late in XXXX and XX/XX/XXXX. These screenshots are a clear and total representation for XXXX, only. These screenshots are meant to be a representation for context purposes relating solely to the 90 and 120 markings for XXXX and XX/XX/XXXX for XXXX and XXXX reports. Thank you for your time. | ||||||
| 04/03/2018 | Yes |
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| My student loans were transferred to Navient in XX/XX/XXXX. In the beginning, Navient had sent me repayment coupons to pay my payment. I had my loans under an income based repayment plan. At the end of XX/XX/XXXX, I had to submit my annual paperwork to continue with the income based repayment plan. Ever since this was submitted I have had nothing but problems. In XX/XX/XXXX, I had to call Navient to find out what was going on with my paperwork because I had not heard from them yet and I knew the payment was due XX/XX/XXXX. They told me everything was processed and the payment was the same. I told them that I wasn't sure that was correct as I had made much less money the previous year, so the payment should have went down. I have done these income based repayment plans for many years, so I am well aware of how they work. Navient told me I would need to file more paperwork to dispute the amount. I did what they had told me and again, did not hear back from them. I sent the same payment I had prior to filing paperwork for the current year. Next, I called XX/XX/XXXX, having not heard from them and knowing the payment was due. This time I was told the payment had gone down. I asked that they send it to me in writing, along with payment coupons like I had before. I never receive either of them. I sent them the new payment amount to the address that I always had. It was received and cashed. This brings me to XX/XX/XXXX. I still did not have payment coupons, so I sent the payment to the same address that I did the previous month. It is a PA address and the only XXXX I have. I received an email a week after I sent my payment saying that they had not received my payment. I called my bank to see if the check had cleared and it had! I called Navient back and they told me I would need to send information from my bank stating it had cleared. I did all of this the third week in XX/XX/XXXX. XX/XX/XXXX, I received a phone call from Navient saying that my XX/XX/XXXX payment still had not been received by them. I explained the situation and they transferred me to someone else. I was on hold 20 minutes before someone came on and told me that my payment had been sent to the wrong address. It had been sent to the Department of Education in XXXX, GA. I stated that that was impossible as I don't even have an XXXX, GA address to send the payment to. They had no explanation as to how it got there. Navient stated the Department of Education should be refunding me the money but had no idea when it would becoming back to me. In addition, I would need to send my XX/XX/XXXX payment to Navient again in order for my accounts not to default. I had a few questions : ( 1 ) How come the Department of Education (? ) cashed my check when it was wrote to Navient and they didn't even have an account in my name? Navient couldn't answer that. So did the Department of Education cash my check and put it into a fund to gain interest off of it for a week or so before apparently refunding it to me? ( 2 ) How do I know this money has been refunded to me? Can I get a phone number to verify this information? All I see is that it has been cashed. Navient couldn't provide me a phone number. ( 3 ) What would have happened here had I not called and spent months/days looking into all of this? I would have never heard about any of this and my loan would be in default. I have NEVER defaulted on my loans and I have had them for 10 years. I have also never had an issue with repayments until Navient. I have no guarantee that I am going to get my original monies back, nor where it is. I have no guarantee that Navient isn't going to send my " non-payment '' to the credit bureau. Finally, I need to send another payment to Navient. When I asked Navient how we could prevent this from happening again, I was told to make sure I send my payment to the correct address. I again explained that I had. I am concerned that Navient is mishandling payments and then expecting students to make a second large payment in order to not default on their loans. I am in a situation where I have extra money saved to make a second payment, but I know many who do not. This shouldn't happen to anyone. | ||||||
| 10/13/2019 | Yes |
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Web | Older American, Servicemember |
| I was in the process of writing a letter to Navient disputing their claim that I owed them {$680.00} from XXXX when I came across this site. I have pasted the body of my letter here. Attachments are in the uploaded Navient dispute document PDF file below. To Whom It May concern : I am disputing your claim of a balance due to Navient by me as annotated in your letter dated XX/XX/XXXX for a student loan that I paid in full on XX/XX/XXXX, over 11 years ago. I received this letter XX/XX/XXXX. The letter is dated XX/XX/XXXX. It is postmarked XX/XX/XXXX ( see attachment ). The letter states To pay loans in full, we must receive you payment of {$680.00} within 10 days of this letter. Ten days from the XXXX was XX/XX/XXXX. As I stated earlier your letter arrived on XX/XX/XXXX. This delay was due to 7 days between the date of the letter and the actual postmark on the envelope ( see enclosed ). This lack of timeliness in your correspondence is indicative of the time frame this letter pertains to, a XX/XX/XXXX notice for an account that was paid in full on from XX/XX/XXXX with a payment of {$79000.00}. Please note that according to your enclosed account history it took 2 years to post a {$55.00} adjustment. I spoke with customer service representative XXXX on the phone on XX/XX/XXXX. She told me the dates of correspondence forwarded to me from Navient following my final payment posted on XX/XX/XXXX are as follows : 7 months later on XX/XX/XXXX 5 days later on XX/XX/XXXX 6 years and 3 months later dated XX/XX/XXXX 2 months later XX/XX/XXXX 2 years 11 months later XX/XX/XXXX 1 years later on XX/XX/XXXX Once I made my final payment in the exact amount of {$79000.00} any and all correspondence from any company would have been viewed as another lending company looking for business or a solicitation from a credit card company and promptly discarded. Again I point you to the length of time between notices issued by Navient. It is 11 years and 9 months since my payment of {$79000.00} posted on XX/XX/XXXX and your letter dated XX/XX/XXXX. Upon asking XXXX how Navient arrived at the {$390.00} principal balance she told me there was an {$80000.00} balance offset by the XX/XX/XXXX posted payment of {$79000.00} payment. Per the enclosed spreadsheet I had made a total of {$82000.00} payments toward principal. Upon opening an account with XXXX XXXX On XX/XX/XXXX is when I noticed and submitted a dispute for them to investigate the Navient entry on my credit report. While this is a screen shot from XXXX XXXX and not Navient, ( see PDF ) please note the date of the Navient entry, XX/XX/XXXX. 4 years and almost 11 months before my final payment on XX/XX/XXXX, the date XXXX cited on our phone call on XX/XX/XXXX used to calculate the {$390.00} principal balance. Furthermore, I question Navients record keeping, and by extension, making your calculations unreliable, by citing the screen shot below from your web site. It indicates I am supposed to make a monthly payment of {$520.00} due on XX/XX/XXXX! We have all been warned of scams and unscrupulous companies attempting to bilk money from unsuspecting people. Upon learning of the ongoing lawsuit by Consumer Financial Protection Bureau and many State Attorney Generals, I am increasingly alarmed that money may have been misapplied on my account. This account appears as an outstanding debt on my credit reports for XXXX and XXXX and adversely affects my credit rating. Given the absence of any written documentation detailing your calculation supporting the {$390.00} principal and XXXX interest balances listed in your notice dated XX/XX/XXXX, the inordinate and inconsistent length of time between supposed documentation ( I was unable to locate any list of notices or documentation on www.navient.com ), poor record keeping ( see Navient screen shot ) I reiterate my refusal to pay {$680.00} to a company that only offers a figure in a letter and a verbal claim by a customer ( albeit courteous ) service representative. Sincerely, XXXX XXXX XXXX FYI, I submitted a dispute to XXXX XXXX on XX/XX/XXXX They say it is currently under investigation and should be completed by XX/XX/XXXX. | ||||||
| 08/08/2017 | Yes |
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| On Monday, XX/XX/XXXX, I called and paid off a very large sum of my student loans. I have two seperate loans with Navient, both for the same educational institution, with back to back dates. Paying off both the loans with this large sum would have, and should have, left one loan with a {$0.00} balance, and one with close to a {$2000.00} balance. Also, during this phone call, the Navient rep cancelled my monthly auto-debit payments, seeing has how I was down to about {$2000.00} and planning on making that final pay off at the end of this month. The rep had my authorization to end the monthly auto-debit payments. On Wednesday, XX/XX/XXXX, I recieved a phone call from the same rep who took the large sum payemt and cancelled the auto-debit montly payments. The rep admitted she had cancelled the large sum payment in error, when she cancelled the montly payments. I was beyond irriated that a {$56000.00} payment that I had just made to pay off my loans, and been cancelled. I then had to apply for a " request '', as the rep called it, to recieve the interest back from the now 3 days that the payment had not been made. I was told the interest would credit my account within 5-7 business days, and as of last friday it had not. The {$56000.00} payment was then reapplied, and now shows on the account as being posted on the Monday, XX/XX/XXXX -- when in reality the payment was made again, on Wednesday, XX/XX/XXXX after the orginal payment was cancelled. On Wednseday, XX/XX/XXXX, I logged onto my Navient account because I wanted to see the appropriate loan balances ; as paying such a large sum might take a view days to credit the account and clear. What I saw shocked me. Instead of one loan being {$0.00}, it read - {$4000.00}, and the loan that should have read a little under {$2000.00}, read {$6000.00}. I immediately got on the phone with Navient, as I have found they are not the most 'trustworthy ' of lending institutions. The Naveint rep that I spoke to informed me that it was a " techinical error '' and that the computer system applied the payments ; that the account with the - {$4000.00} had an overpayment on it, and that I would need to submit an overpayment application. I asked for a supervisor immediately. I told them I never authorized an " overpayment '' on either of the loan accounts, and that one loan was supposed to be paid off and the other should have a close to {$2000.00} balance. I also asked that my account be credit the close to 10 days of interest that it had now accumulated. I asked how this error came to pass, and pointed out that it is completely negligent, and almost fraudelent, how this " over payment '' came to be. I was told that the interest would be credit back to my account ; it still is not obvious where it reflects. And along the period of these two loans, I have had issues of " mislabeled '' interest rates ; what reflects on my account is not what I am being told, and then will change after a log in or two, and never being given documents I ask for, or documents that prove the interest, etc. I was informed that I would recieve a phone call from a Navient rep concerning my issues. I have typed out that voicemail : " Good morning, XXXX XXXX XXXX XXXX XXXX, my name is XXXX. I 'm with Navient corporation ; I 'm with the office of office admin, within private collection. I 'm a research technician, and reviewing your concern, your ongoing concern. Essentially, I 've taken case notes to where we are today uh which is not finished yet but an update at least. So, I 've um pinged the appropriate sources and will move forward with your request. Any agent can read the case notes and see where we stand with it, and you 're free to take any action you chose as well ; and I would n't blame you, and I appreciate your patiencein all of this as well. Uh, thanks for your time and certaintly your patience, should you have any left, and have a good morning. All the best, bye bye '' I know Navient is being sued, or was being sued, by the state of Illinois, Washingtion, and the CFPB. I have documents with proving he overpayments, and documents showing that interest has not been applied back to the account. | ||||||
| 07/24/2017 | Yes |
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Web | Servicemember |
| I started college with no debt. Today I have over {$230000.00} of student loan debt. I am in very big trouble with my lenders and desperate for help. Im behind on all my payments, unemployed, homeless and suffering from chronic physical and mental health issues. My health issues have impacted my ability to make the minimum monthly payments on my student loans. Here is a brief bio. I grew up an only child in a single parent household. I serve d four ye ars XXXX XXXX in the military fr om XX/XX/XXXX - XX/XX/XXXX . I was honorably XXXX a nd have a 10 % service connected XXXX . I used the G I Bill whil e I was in college until it ran out i n XX/XX/XXXX . In XX/XX/XXXX I star ted XXXX school at XXXX University in XXXX . I n XX/XX/XXXX , I was diagnosed with XXXX XXXX . I graduated with a XXXX XXXX XXXX in XXXX in XX/XX/XXXX . In XX/XX/XXXX , I began taking classes for my XXXX XXXX . I n XX/XX/XXXX I had to be hospitalized due to complications with my XXXX XXXX . Halfway through the final semester of graduate school I had to stop my thesis class due to XXXX XXXX complicat ions. In XX/XX/XXXX I was ab le to complete the XXXX program and receive a XXXX of XXXX degree. Upon graduation I worke d five years for the sa me employer in XXXX . In XX/XX/XXXX I was hospitalized due to problems with my XXXX XXXX . In XX/XX/XXXX , whil e working full-time, I had to file for Chapter XXXX bankruptcy because I could not afford my student loan payments. I was on bankruptcy until XX/XX/XXXX . I continued having issues with XXXX XXXX at work and had to go on XXXX XXXX three times and needed to take a five week leave of absence. Ultimately, in XX/XX/XXXX , I had to leave my job and go on XXXX XXXX . I w as on my former employers XXXX insurance from XX/XX/XXXX XX/XX/XXXX f or XXXX XXXX and XXXX . In XX/XX/XXXX I had to be hospitalized due to complications with my XXXX XXXX . In XX/XX/XXXX the XXXX insurance company determined that I no longer fulfilled the definition of " XXXX XXXX . In XX/XX/XXXX I went back to work doing short-term contract jobs for XXXX companies. In XX/XX/XXXX I was sick again with XXXX just as the contracted ended. I began collecting unemployment i n XX/XX/XXXX . I tr ied to find alternative careers to XXXX while on unemployment. I wanted to find a job that would not exacerbate my XXXX or XXXX . I was having trouble finding suitable employment and started using m y 401k to pay for livin g expenses and my student loans. The savings quickly ran out and i n XX/XX/XXXX I suffere d a XXXX XXXX . I was hospitalized XX/XX/XXXX for six week s. I had to move out of my apartment and a social worker helped me get into a homeless shelter for veterans o n XX/XX/XXXX . In XX/XX/XXXX I will be participating in an XXXX XXXX XXXX program. I have applied for social security XXXX since I have not been able to work. The claim is still pending. My health problems have affected my ability to pay my student loans. When I was on XXXX from XX/XX/XXXX to XX/XX/XXXX I was only getting 60 % of my pay rate from my former job. All of that had to go towards basic living expenses and hospital bills. I was on Chapter XXXX bankruptcy from XX/XX/XXXX to XX/XX/XXXX and ma de all of my scheduled payments to the trustee but the student loans were still accruing interest. I couldnt afford to make additional payments to the student loans while on bankruptcy and in the end they would be higher than when I started. I have student loans through XXXX XXXX , Navient, XXXX and XXXX . Today all of my loans are delinquent. I have called them and explained my situation but they say there is nothing they can do. I am afraid that they will begin garnishing wages from my mother who co-signed on many of my loans. She lives in an elderly community and makes a modest wage working part-time XXXX XXXX XXXX XXXX . I am still feeling the effects of the XXXX XXXX and I dont know what to do about my loans. | ||||||
| 04/06/2021 | Yes |
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| Navient Account # XXXX I started with loans of around {$18000.00} and was garnished for 12 years, I now owe around {$30000.00}. I graduated in XXXX. I paid some payments through the years but finally defaulted after some financial difficulties. In XXXX, XXXX XXXX ( I think ) contacted me about rehabilitating my loan. They said if I paid {$150.00} per month for a year then my credit would be cleared and I could just keeping making payments. Nothing was ever mentioned about higher payments in the future. After the year of full payments on time, they said I had to make {$400.00} a month payments. I said I couldn't, so they said they would garnish my wages. I let that go through since at the time they could only garnish 10 %, which was less than the {$400.00} a month. I figured they would just take it out of my paycheck & it would be paid off. They never mentioned that they were required to negotiate a monthly amount with me, as I have since found they were required to. They said pay the {$400.00} or be garnished. Later the garnishment went up to 15 % due to a change in Florida law. I was garnished for 12 years. When I called to get a status after the 12 years, they said I still owed about {$30000.00} ( the original loan was {$18000.00} ). When I tried to contact the servicer at that time, XXXX XXXX XXXX XXXX, I think run under XXXX XXXX, their website was gone & the phone number directed me to Sallie Mae, who had no information on any outstanding loans. I checked with my employer & got the name of the collection agent, XXXX XXXX XXXX XXXX. I contacted them & now they said I owe about {$40000.00}! If I'm making payments, then how could my balance have gone up in 1 year.? They sent me paperwork & pushed me to reconsolidate. All of this is not 100 % since Im going from memory and I have been confused between who holds the loan and who services the loan, and then it gets sold so Im confused again. I have included Navients documentation of my loan payments. I also printed the payment history from XXXX XXXX website. It shows I have paid {$92000.00} on what was originally an $ XXXX loan! In addition, Navient said back then that they had no record of payments from me except for the garnishment payments. I found the history of my payments on I think the XXXX XXXX or Sallie Mae site & sent it to them. I submitted a complaint to the Consumer Finance Protection Bureau. Navient denied to the CFPB that I had made any payments other than the garnishments, but you can see from both their list and the XXXX XXXX list that I have. I told the CFPB that Navient was wrong or lying, and the next thing I know, they cancelled my garnishment. I thought maybe they had agreed that I had more than paid for this loan, but apparently they just sold it to XXXX XXXX XXXX since it had become a problem account. I asked for a hearing, as was my right. I never got one. Most of the above information I sent to the hearing officer. One the date & time of my hearing appointment, no one called. I called Navient & they said the officer suspended my payments & there would be no hearing. This went for a couple of years. Now every year or so I get another letter from another collector. I send them the information preceding this, including the CFPB complaint, and ask for a hearing. I get nothing. They are not garnishing my wages right now, but they are still taking my tax refunds. I recently heard again from XXXX again & sent them the previous information & asked for a hearing. Instead of a hearing, I received a history of my payments & a letter from Navient mostly talking about my credit report. I don't know if they are seeking garnishment again. I am so confused & don't understand how I can pay so much & have my balance go up. I don't even understand the relationship between all the parties involved. I am XXXX years old & coming up on retirement & can't afford to pay {$400.00} a month again, especially if the principal goes up instead of down. That's insane. I feel that since I have paid more than 4 times what I owed, even with penalties and interest, that this loan should be considered paid off. Please help. | ||||||
| 05/08/2020 | Yes |
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| XX/XX/XXXX Letter of Complaint Dear Department Manager : I write this letter as an official complaint about Navient Servicing agency. On XX/XX/XXXX, I submitted an application for a XXXX Loan Forgiveness Program as a dedicated public service worker. I have been XXXX for over 25 years and submitted my application as a result of my commitment to the same high school full-time and consecutively, for the last 10 years. By the next business day ( XX/XX/XXXX ), I received this response : " Unfortunately, your request was denied because : As of XX/XX/XXXX, you had an outstanding balance on a Federal Family Education Loan Program loan or Federal Direct Program loan. This loan ( s ) is included in a consolidation loan making your loan ( s ) ineligible for the XXXX Loan Forgiveness Program. '' Because I did not have a clear understanding about why I was denied due to the vagueness of this letters language, I called Navient and requested to speak with a supervisor. On XX/XX/XXXX, I spoke in detail with XXXX ( ID # XXXX ) who was sympathetic by expressing that he understood why I might be frustrated. He also understood that the reason that I did not qualify was not very clear and he could not explain beyond reading these same lines repeatedly several times. He offered to call me back with more details. I am therefore appealing this Loan Forgiveness Application denial for the following reasons : -I have been XXXX full-time at my current high school for 10 years ; -I have been in public service and XXXX for over 25 years total ; -I have been in good standing with consistent payments to Navient for several years ; -It has been emotionally stressful to dedicate my time and profession to work with high school students only to be denied student loan forgiveness after being misled to believe that according to large print, I would qualify for such a programyet according to unclear wording in the fine print terms of the application, I was denied. Today, upon his return call, XXXX spoke with me about an unreasonable option. He stated that I could try applying for the Public Service Loan Forgiveness. At this point, I was in the same place in my conversation as I was with a Navient customer service agent in XXXX. Approximately three years ago, I was encouraged to apply for the Public Service Loan Forgiveness program and was told that I would have to reconsolidate and begin counting my 120 payments again from scratch. XXXX stated that I would have to make 120 consecutive qualifying payments, and I am convinced that this is completely misleading and discouraging. I did not understand at that time why I would have to erase my previous years of public service as a XXXX and making consistent loan payments ; and I do not understand now why I would have to do the same, three years later. Since XXXX, I also have learned that a number of my colleagues in the profession have had similar horrible experiences with Navient as result of also being denied their XXXX Forgiveness Loans applications. I am ready to settle my Navient account once I can have a solid portion of my student loans forgiven, and now is the time to do so. I find it insulting that I have to practically beg for loan forgiveness when I have worked dutifully, tirelessly, and wholeheartedly in a public service industry that is practically forgotten and ridiculed in this country. And especially now, at a time such as this, when as a XXXX/essential worker, I am in front of the small screen in isolation, working for several hours a day with youthfor longer than usual due to the complexities of the Coronavirus pandemic -- via distance learning. Because Navient gave me misinformation, I request that between $ XXXX of my student loan balance be forgiven instead of {$5000.00}. I am also planning to file a complaint against the Consumer Financial Protection Bureau ( CFPB ) and with the Department of Education. If necessary, I will resort to legal representation and a possible class action law suit with other XXXX who have been treated similarly. Sincerely, Dr. XXXX ( XXXX ) XXXX ( My loan is in my name as XXXX XXXX ) XXXX XXXX XXXX | ||||||
| 04/19/2019 | Yes |
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| When I first started working with Navient in XXXX in an attempt to start payment on my student loans, I was not given the option to enroll in income-driven repayment plans.I called to make a payment around XX/XX/XXXX and paid what I could, {$130.00}. I told Navient I couldn't afford this. They offered me the forbearance option for 9 months where I wouldn't have to pay for this time. I couldn't afford what they wanted from me. I was SO poor at the time. I wasn't offered a suite of options, just the life saver of forbearance. They said it was easy, just call back every time it expires and have it put in forbearance again. Every time I could not make/afford the payment, I followed their advice. When they would call to collect, like XX/XX/XXXX, I was offered to put it back in forbearance. They would tell me that it would protect my credit by bringing my account current and not requiring a payment for the time it was in this status. They encouraged me when I would call to tell them I can not make the payment to enroll in school and make sure the school updates some database that tells them I am going to school and it would put my loans in " In-school deferment ''. Navinet drove me down the path of forbearance, over and over, causing me to accrue interest interest and delaying my paying off of debt. I was unaware that with the amount I had that this would ultimately just make my loans near impossible to payoff without running into some windfall. Because the option to not pay was the only alternative offered to making payments much higher than I could afford, I took advantage of the use of their forbearance program for years and did not think of how this would continuously drive up the overall amount of my loans, both federal and private. They offered this option to me, to renew it over and over every time I would contact them when it ran out, that when they finally stated I could no longer use this option, they then offered me the income driven re-payment plan. I called to let them know in XX/XX/XXXX that I couldn't keep up withe the payments and was offered forbearance again. I was shocked at how much better this made my overall financial situation due to the ability to afford the payment and pay down my overall debt. I was unable to make one of these payments on time and Navient told me that I would need to re-enroll in the program. When I called back into the Rate Reduction department to re-enroll in the income driven repayment program, I was re-directed to their collection department and told call after call that I no longer qualify for income driven repayment and the only way to bring my status into good standing was to sign up for auto pay at the increased rate. As I look at my interest charged to date, I have accrued {$15000.00} because I was guided towards their " preferred '', and now I realize " money Making '', process. To someone who could not afford payments like this when I was no longer attending school, of course it is attractive to use the forbearance option. It was either lose my home and not buy food for my family by making the payment, or use the forbearance option.On top of this, I am making agreed upon payments, but continuously being charged late fees that stack up on the entirety of the balance. Almost {$1000.00} in late fees as I write this. How is that possible? That's another small loan in and of itself. Each late fee is about {$50.00}. Navient has drown me in debt. Then, they collect finance charges on top of those late fees.What a terrible business model for someone trying to " Help '' students with loans. That is predatory. My private student loans have an interest rate of 13.5 %. My federal loans have a rate of 4.23 % and Navient has been happy to help me as often as needed on those repayment plans ... I took out the total amount of {$24000.00} between XX/XX/XXXX and XX/XX/XXXX. Thanks to their steering me towards forbearance, after paying over {$18000.00} in payments as I write this, I owe a total of {$29000.00}. After making an average payment of {$120.00} dollars since my first payment in XXXX, I owe MUCH more than I ever took out. | ||||||
| 07/01/2023 | Yes |
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| In XXXX I visited XXXX XXXX and was recruited into their massage therapy program. I was targeted as someone that didn't have a lot of student loan or loan payback knowledge, a first generation college student, and as someone that came from poverty with promises of how much money I could earn. I was told that I would get job placements, that the school was going to be accredited any day now, that my credits would transfer to any other college after I graduated, ect. My student loan options were limited because I had no credit and this school was not accredited. I was stuck with private high interest loans. My ( father ) co-signer, now deceased, was on XXXX and also had poor credit. I was promised to not worry about the private loan interest rate because it was easy to get the loan refinanced and there were a lot of repayment options. I was also told that I would be making a lot of money and placed with a job after graduating and could easily pay it back. During my schooling- the school never got accredited as promised, I had numerous unqualified teachers because they had high staff turnover, there was no set curriculum or education standards, no job placement or resume help, no education about what my massage license would require or the cost of continuing education, and promises of continuing education opportunities once I graduate. All lies. Within a month after graduating my school closed down because of fraudulent practices and I was left with an incredibly high interest private loan. I was told by other colleges that I had no transferable credits and had to retake XXXX and XXXX and XXXX XXXX Sallie Mae, who was originally handling my student loan, changed into navient. I was told to keep differing my loan while in school. I didn't understand the interest kept occurring. After struggling with my XXXX XXXXXXXX for years and facing numerous health challenges, by the time I graduated college again I was disabled from XXXX XXXX and XXXX. XXXX XXXX had been closed and most borrowers were told their loans would be forgiven, yet somehow I still have mine. Navient has their own standard for what XXXX means and their wording is not the same as the department of education and makes it incredibly difficult even for a disabled person to qualify for their version of loan forgiveness. Any repayment option they used to have has been slowing changing over the years. I used to qualify for a payment reduction plan, but now they say it's meant to be temporary and I can no longer do it. Their refinancing is through their website and said I do not qualify. Because of my health and medical debt I don't qualify for refinancing through another lender. They keep telling me to ask my cosigner for help, even though my dad is deceased and I have sent proof of that via death certificate. Every other student loan from my old college has been forgiven for being fraudulent and I feel like I am being punished for trying to better my life but instead getting scammed by not only a college but this loan provider. There always seems to be a program that pops into existence when I have filed a complaint, yet is never offered to me when I just ask for it. The program isn't ever made to help me, but just help the company extend the time of my loan while sucking money out of me at a slightly lower amount so I don't default. It's always making my situation worse. There is no information listed about any of their repayment options, even forgiveness on their website. You have to call and get told a different story depending on who you talk to. I should not have to pay back this loan. I have already repayed the original amount at least 4x over. I am disabled. The school was closed for fraud. I was frauded. The loan company has lied to me repeatedly as well. The US gov ruled that XXXX XXXX frauded people and should not have to pay back their loans. There is no recourse for me. I'm on XXXX and don't make a lot of money. My interest rate is rising with inflation. I don't know what to do. I can't afford the cost of living for basic things and this loan keeps going up. | ||||||
| 08/24/2022 | Yes |
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| I am a victim of unlawful, deceitful, and inaccurate debt collection by Navient. I received a collection letter stating I was overdue on XX/XX/XXXX. On XX/XX/XXXX I received a notice from XXXX that my credit score had dropped 126 points due to the negative reporting Navient had communicated to the credit bureaus. The debts Navient, formerly known as Sallie Mae XXXX XXXX, are illegally trying to collect on and inaccurately reporting were discharged in my bankruptcy case as of XX/XX/XXXX. Per my attached documentation from the bankruptcy court of Colorado, the trustee, and my lawyer ; the accounts under Navient were included within my discharge. On page 4 of the attached documents to this complaint, you can clearly see the Navient loans were included in my bankruptcy filing and discharged. I am a victim of Navient continuously breaking collection laws, FCRA and my rights by trying to collect on discharged debt. They have been found guilty of these collection violations in court but are continuing to conduct illegal practices. They also chose to report inaccurate delinquency while the Biden administration forbid loan organizations to collect on and report negative information. As of XX/XX/XXXX the Bident administration put in to order loan forgiveness and cease of negative reporting. I never received any written or verbal communication from Navient/Sallie Mae XXXX XXXX from the time my bankruptcy was petitioned to well after it was discharged and cleared from the court. This company has the technology to verify my current address in order to send me a letter stating Im overdue, however they did not send me written or verbal communication prior to them reporting me delinquent. I never received a letter or bill/statement trying to obtain payment or attempt contact to warn me. Had they tried, I would have contacted them immediately to dispute their illegal attempt to collect on a discharged debt. The letter they sent me ( attached ) also inaccurately provides details of the amounts due. They dont have the required billing information that financial institutions are legally required to provide ( Regulation Z ). They provide very little loan information, but no historical proof as to how the total balances are calculated. How can a consumer trust the amounts with no explanation?! Ive worked extremely hard to correct my credit after attending college. I had to file bankruptcy because repaying student loans at the rates/fees Navient required made it impossible to get ahead. After my bankruptcy discharged, I did everything right to go from fair credit to very good credit within a few years and I was finally able to TRY to buy my first home, but Navient/Sallie Mae completely took that away from me overnight. This company will not talk to people on the phone who are disputing their collection practices. They tell you to mail in documentation to a po box , at which point they may or may not receive it. They also dont have an alternative mailing address that accepts expedited/certified letters so people can track their personal documents. I am asking for help from the CFPB to make this right. Navient will not help consumers. They neglected to contact me before reporting me negative to the bureaus, neglecting me of my right to dispute this. I am asking for Navient to stop reporting negative information because it is simply inaccurate. They should have stopped reporting to the credit bureaus as of the date of my bankruptcy discharge : XX/XX/XXXX. I demand Navient to immediately correct my credit reporting in order to correct my credit score they illegally destroyed. Navient needs to correct the credit reporting or remove it entirely. If my credit isnt corrected, my lawyer will take the next necessary steps to take action. It isnt right that Navient is still getting away with illegal debt collection practices. I paid my debts to the best of my ability then filed bankruptcy because that was my final option. I did everything I was required and obtained my discharge. Now Navient needs to follow the rules, correct their wrong doing and fix my credit that they broke. | ||||||
| 10/03/2020 | Yes |
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| The day applied for a Sallie Mae loan, now Navient, back in XXXX was the worse day of my future. I am struggling to pay my monthly loans payments. I took out 4 separate loans with Sallie Mae, when I decided to go back to school for XXXX. One in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Three of the loans had a co-signer and the last one was approved without one. When I look back at it now, I wish I would have realized how easy they were approving them and how easily it got me into the debt that I'm in now. I owe over {$77000.00} and that's the 10-day payoff amount, with interest, it's more. I was in school from XXXX. I had to give school a break and I went back to working as a XXXX XXXX for a doctor 's office in XXXX. I remember having to pay {$700.00} for a 3-month forbearance with SallieMae, before the payment went back to its original amount which was about {$700.00} dollars/month back then. They did not offer any other programs to help reduce the monthly payment. I paid for another 3 month forbearance in early XXXX before transferring to another XXXX school. FromXX/XX/XXXX-XX/XX/XXXX, I didn't have to pay the monthly payments because I was in school. I completed XXXX school and obtained my license in XX/XX/XXXX and started working as a XXXX. I still could not afford to pay the monthly payment. I was living paycheck to paycheck and had a young child at the time. Sometimes I had to choose between buying food or paying the SallieMae bill and I chose the food. There was an article in XXXX XXXX back in XX/XX/XXXX about my story regarding school loan debt. I had it attached to this until I read the instructions above but I would love to share. It affected my credit report as well as the co-signer, but I couldn't afford it and they never tried to help me with the balance. I think Navient took over my Sallie Mae loans sometime in XXXX because I was able to enroll in their Rate Reduction Program. This is just a temporary relief but I have to call them every 6 months in order to stay in the program. I've been enrolled since XX/XX/XXXX. I started out paying XXXXmonth which was reasonable but every time I call, the monthly payment increases. One of their representatives informed me that this will continue to happen until it gets back to its original monthly payment. They use to use your annual income and bills to determine if you still qualified and this also determined the payment amount. They stopped doing that and the monthly payment just increases. It's no longer an option to keep my interest rate low so that my monthly payment is low. The other option I was offered was to try to refinance the loan with XXXX, a financing company that they recommend. I was denied because of my credit and the Sallie Mae loan. I was able to get a copy of my credit report because of this denial and my loans are in the yellow, which indicates that it's always past due even though I'm in the Rate Reduction program. Also I've never been offered any type of Public Service Loan Forgiveness or offered for that matter. How am I going to be able to refinance? And what I learned is that a very small percentage of what I pay, which is now $ XXXXmonth, goes to the principal balance. I was going to attach a copy of my credit report, Navient Rate Reduction Letter, article, and the complaint by CFPB that was filed back in XXXX. I need help!!!!! I am emotionally, mentally, and physically drained. I get depressed every time I have to call Navient to reenroll because I know the balance is going to continue to go up and I can not afford it. At times I want to stop paying it, but I know it's going to affect my credit and my livelihood. The cosigner can not assist with the monthly payments because she's XXXX but they still send letters anyway. They are very persistent. I went to school to have a better life, thinking that I would be financially stable but I'm not. I want to go back to school to further my education and get my XXXX XXXX XXXX but I'm not because of my debt. I really need your help and would like for you to investigate my loans. PLEASE TELL ME WHAT I HAVE TO DO!!! | ||||||
| 05/25/2018 | Yes |
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| I have my private loans through Navient. For the past 6+ years, I have been in a rate reduction plan, which helps lower my ridiculous $ 1300 monthly payment down to about {$500.00}. Every 6 months I have to call Navient to re-apply for my rate reduction plan, then agree to have them auto deduct my payments on the last day of every month, payday. I have a letter in my hand that states I must call in prior to XX/XX/XXXX to re-enroll. I had it in my calendar to call on Friday XX/XX/XXXX. I woke up on Wednesday XX/XX/XXXX to find out that this company decided to auto deduct {$1300.00} out of my checking account, leaving me with a balance of XXXX. I freaked out and called Navient right away. I spoke to XXXX XXXX and explained to her this urgent matter. She was pretty nice but had nothing to say when I told her I have a letter in my hand stating I have up till XX/XX/XXXX to call in to re-enroll. She had no explanation as to why Navient decided to just take out {$1300.00} from my account, without any type of notice at all. They literally drained my account. She had me upload my bank statement showing the deduction of {$1300.00} along with the {$37.00} overdraft fee. She told me I would be fully reimbursed, along with the {$37.00} and that they would expedite this since I literally now have no money. I then went ahead and re-enrolled with her in the rate reduction plan getting my payments all squared away for the next 6 months. I hung up the phone and figured well at least I'll be reimbursed tomorrow. Thursday morning XX/XX/XXXX comes around and the first thing I do is check out my bank account. Not only has it not been reimbursed, but I had 2 other charges come in today from other monthly bills and now both of those have been tagged with overdraft fees. I called Navient today and asked for the on duty supervisor for the rate reduction department. I spoke to some lady and she told me that whatever I emailed to the rep the day before was " choppy '' and hard to read. I told her that XXXX, the rep I spoke to on Wednesday, confirmed she received the bank statement and she read off to me the deductions shown, proving she could read it. Anyways, the supervisor told me it was delayed because of it's " choppiness. '' I asked her why no one could pick up the phone to call me back, you know, since I'm sitting here with no money because Navient decided to just withraw {$1300.00} out of my account on XX/XX/XXXX without any notice, authorization or any reason to do so. This just seems so illegal to me. Anyways, the supervisor of course had no answer when I asked why no one is notifying me, ON ANYTHING. I told her that I have multiple small automated payments coming out of my account over the next few days so if this money is not refunded asap, I may risk having my checking account shutdown because of how Navient wronged me. She said she'd try to expedite this but she couldn't guarantee anything, So now I run the risk of having my account closed along with multiple NSF 's that will hurt my credit. Not only did this company take out money from my account that they shouldn't have, but they NOT ONCE bothered to offer up an apology. This isn't right. I have a letter stating I have until XX/XX/XXXX to call in to re-apply, they should NEVER have taken out a ridiculous chunk of cash like this from my account especially cause this was unauthorized and I haven't missed a payment in over 6 years now. they just got their last payment on XX/XX/XXXX, like clockwork, the last day of every month. Its not like I am behind or anything, I've been in great standing with them for years. I am just blown away how a company can just drain you account without it being authorized, and then not offer an apology and say it may take up to 5 business days for them to give me back my money. This incident has to be illegal. And now I'm sitting here with negative 800 bucks in my account and it's about to be a holiday weekend, meaning if I don't get my money back from them tomorrow, I will have to wait till at least Tuesday of next week. Someone please help, this is not right!! | ||||||
| 09/06/2017 | Yes |
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| I contacted Navient loan servicer that I am in full attendance with school and they continue to charge me a monthly fee for my student loans despite their knowledge that I am in school for a full attendance as shown below. This is ridiculous. I emailed them and they sent me an automated message in return. Account Summary As of XX/XX/2017 ( ET ) Total Payment Due : {$280.00} Make a Payment Your Loans Show more information about Your Loans Loan Due Date Amount Status Auto Pay 1-01 Direct Loan - Subsidized XX/XX/2017 {$35.00} Payment Due 1-02 Direct Loan - Unsubsidized XX/XX/2017 {$30.00} Payment Due 1-03 Direct Loan - Subsidized XX/XX/2017 {$22.00} Payment Due 1-04 Direct Loan - Unsubsidized XX/XX/2017 {$13.00} Payment Due 1-05 Direct Loan - Subsidized XX/XX/2017 {$36.00} Payment Due 1-06 Direct Loan - Unsubsidized XX/XX/2017 {$22.00} Payment Due 1-07 Direct Loan - Subsidized XX/XX/2017 {$29.00} Payment Due 1-08 Direct Loan - Unsubsidized XX/XX/2017 {$11.00} Payment Due 1-09 Direct Loan - Subsidized XX/XX/2017 {$56.00} Payment Due 1-10 Direct Loan - Unsubsidized XX/XX/2017 {$21.00} Payment Due 1-11 Direct Loan - Subsidized No Due Date {$0.00} In School 1-12 Direct Loan - Unsubsidized No Due Date {$0.00} In School Total Current Balance : {$29000.00} View all Loan Details Show more information about Recent Payments Date Amount Status Coming From XX/XX/2017 {$280.00} Received Payment was received -- XX/XX/2017 {$280.00} Received Payment was received -- XX/XX/2017 {$280.00} Received Payment was received -- XX/XX/2017 {$280.00} Received Payment was received -- XX/XX/2017 {$280.00} Received Payment was received -- Their email to me : Thank you for contacting Navient about the options that may be available to temporarily postpone your monthly loan payments. The information below details the various deferment and forbearance options that may be available. What is deferment? Deferment allows you to postpone payments while you are in school, during an internship, a fellowship or some other qualified deferment program. Unemployment Deferments are also available in the event you are unemployed but actively seeking employment. The federal government pays the accrued interest on subsidized loans. However, you are responsible for the accrued interest on the unsubsidized loans. Unpaid interest will capitalize ( be added to your loan principal balance ) at the end of the deferment period unless you choose to make interest payments during deferment. What is forbearance? Forbearance allows you to postpone payments if you are experiencing temporary financial hardship and are not eligible for a deferment. During forbearance, you are responsible for all accrued interest. Per federal regulations, unpaid interest may be capitalized ( added to your loan principal balance ) no more frequently than quarterly and at the end of the forbearance. Please note : You will lose eligibility to receive any borrower incentive or benefit requiring on-time payments if you elect to have a voluntary forbearance processed on your account. NOTE : Interest begins to accrue on education loans from the date they are first disbursed until the date they are paid in full. The federal government pays the interest that accrues on Federal Subsidized Stafford Loans during school, grace and deferment periods. You are responsible for paying the accrued interest on the Federal Unsubsidized Stafford Loans, Federal Parent PLUS Loans, and Supplemental Loans during school, grace and deferment periods and on all loans during forbearance and repayment periods. Any unpaid accrued interest will capitalize ( be added to the principal balance ) at the end of a grace and deferment period, quarterly, and at the end of a forbearance period. To review your available deferment and forbearance options, apply online, or download/print a form, log in to your account at Navient.com. You will not receive an email response if no other issues were presented in your inquiry. If additional issues were presented, you can expect to receive an email response from our dedicated Customer Service team shortly. | ||||||
| 04/16/2019 | Yes |
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| I have been paying on a student loan since XX/XX/2005! It was originally through Sallie Mae, then sold to Navient. The original amount was {$29000.00}. I now owe over {$15000.00}. I have been repeatedly coerced into deferment after deferment because I couldn't pay the full amount, even when a partial payment was ready. They call me and my mother up to a dozen times a day. I was strong-armed into thinking I needed a co-signer when my credit score was over 700 at the time, which let 's face it is common practice in the student loan industry because it's harder to settle or discharge a debt when you have two people on the hook for it. They have chosen to harass my mother ( co-signer ) much more than me as she seems like an easier target. But they are relentlessly harassing a XXXX-year-old woman, who also does not have the means to pay off the debt. In fact, I don't receive any of the threatening mail ( turning over to collections, etc. ), that she receives. None. They have unfairly targeted her because she seems like a quicker cash grab. This is even though they have my information and my name is listed as the primary borrower on the loan. They have all my current information yet they choose to harass her instead. Here is a brief list of their illegal loan practices that I have experienced first hand : 1. Being told forbearance was the one and only option available, even when I had a partial payment. They would only accept that or payment in full. 2. Being lied to about the process of releasing the cosigner. In fact, it took several years before I was even aware this was an option as they kept it from me. 3. Being denied even the opportunity to apply for an income-driven repayment plan, which from the looks of it, is probably for the best since that hasn't seemed to turn out well for others filing complaints. 4. Obscuring details I needed to obtain a lower payment. In fact, again, flat out telling me there were no options. There are always options with a debtor, Navient chooses not to negotiate and they are unwilling to negotiate. 5. Offering absolutely no help or even suggestions when I was out of work. Again, refusing to work with me on any level. 6. Changing the amount owed daily to keep the balance current, once 3 times in 10 days. I was instructed I could stave off collections if I paid a minimum amount of XXXX by the end of the month. I attempted to pay by website, as per their instruction, and the minimum amount had doubled to XXXX, and they would not accept the XXXX like I was told. A few days later that had risen to XXXX. Huge increase in 10 days. 7. I almost never receive the same answer when I call customer service, which I have done dozens of times over the years. It took me years to find out about removing the cosigner. I get different answers to the same question. For example, I called twice in one day and got two different answers from two separate people. The first agent did not mention the option of making the minimum payment online, while the second one did. Unfortunately, as detailed above, that turned out to be a goose chase costing me more money and time. It's been well over a decade, and I'm not much better off in terms of the debt I " owe. '' However, I am worse off in many other aspects, many as a direct result of their consistent manipulation, using scare tactics, and their constant harassment. I have paid well over the original amount due, with interest, since XX/XX/2005. What disgusts me the most, and believe me it was hard to narrow it down, is that they repeatedly lied to me and my XXXX-year-old mother over the phone to deliberately confuse us, all so they could " earn '' their commission. For example, telling me she could call and answer a few questions to consider being removed. She called and they told her I had to do that. It is immoral, unconscionable, and several elements of their loaning practices and collection methods are illegal. That's why 6 different states ' Attorney Generals are currently suing Navient, and that's just as of today. I expect more to follow suit. | ||||||
| 10/17/2023 | Yes |
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| On XX/XX/XXXX I called Navient to recertify my IDR and ask about Consolidation on interest rates and my current Federal Loans. Up until that point I had multiple loans at different interest rates, and enrolled in IDR from XXXX XXXX XXXX XXXX ( Never receiving my XXXX degree because I could not afford to complete my degree and take out more loans ). I received the information from Navient ( via phone-recorded line ) that Consolidating would be a good option and that nothing would change on my account or payments. I asked over 4 times on the recorded line if my IDR payments and recertification history would be impacted or erased in any way, and each time I asked they had assured me that nothing would happen and that we were just consolidating loans. I was doubtful with the information as Sallie Mae, then Navient, had consistently always advised misinformation and had also enrolled me and solicited me through multiple phone calls, irl mail, and email, and soliciting my parents, and work to consolidate or enroll in programs such as IDR with no confirmation on whether it would ultimately happen. As well as guide me in the direction of the Consolidation agreement ultimately impacting my entire IDR history erased on my account. After I agreed to consolidate over the phone. The customer service agent from Navient advised me that all should be good and that my payment would have a consolidated loan with the lowest interest rate. They then advised that my account had erased past IDR certifications and payments and I was starting on my 20-25 yr journey of repayment on that day of Consolidation. Literally starting over. I began to cry and beg the agent why they lied and why they would misguide me to Consolidate my loans after asking multiple times. They basically kept denying and lying, and said there was nothing they could do. I spoke to their Manager and they advised there was nothing they could do. I called multiple times that week and the next week and each time I called, They gave me different stories. One would say, '' I'm looking at your account and it shows you have been enrolled since XXXX and you are on your way with the IDR plan to pay off in 11 years. '' The next day I would call and the story would change and the next agent would tell me " You have just enrolled in IDR and you have 24 years ahead of you for repayment. '' Next I would call and the agent would inform me, '' You are on your way to loan forgiveness in let 's see here XXXX years. '' I was literally all lies, all misinformation. No one had a straight story and no one knew what they were doing. By the time I got to the second week. I was crying and exhausted from all the lies and no one agent had any evidence of my calls ( even though each agent told me they were recording the information into my account to be reviewed by their manager ). The woman I spoke to had just fed the same amount of misinformation and lies like all the other agents. I begged her to be honest, and she actually broke down and said over the recorded line. " This system is set up so that no one can pay their loans. You are paying the interest and will probably never get to a place of paying them down. I hate to tell you but there is no proof or guarantee that if you continue on your IDR journey your loans will even be forgiven. I'm sorry there is just no way that we can even promise that. '' It was disgusting to hear, but honestly this person knew the corruption of the industry. Once Navient became XXXX it was no better. They had no history. Nothing was transferred over from IDR enrollment before XXXX, and now I am in ridiculous debt that is impacting my family and our lives and I was not even considered for loan forgiveness with XXXX 1st round. I am so fed up with these corrupt companies. I had a friend consolidate her loans a couple months before XXXX started SAVE and she was granted Loan Forgiveness for all her loans. How is it fair or just? It's absolutely criminal and insane how these companies actually call themselves a business. It's not even humane... PLEASE HELP! | ||||||
| 02/03/2018 | Yes |
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| In winter XX/XX/XXXX, I called my student loan provider Navient to get clarification on how my payments would be applied if I paid over and above my monthly required payment. I was told that I would be given the option to apply the extra money to my next payment or pay down the principal on my loan. I said I always wanted to have it applied to the principal and the representative told me I would have the option to select this when I made my payment on line. On XX/XX/XXXX, I went online to try to change my monthly auto payment to a higher amount than I was required to pay ( in order to begin paying off principal ). I was not able to change the auto payment amount online so I called into Navient. On the same day ( XX/XX/XXXX ), a Navient representative told me she could change the auto payment for me and confirmed that my next payment would be for the amount I specified ( about {$90.00} more than I was required to pay ). My next auto payment was scheduled for XX/XX/XXXX. On XX/XX/XXXX, I checked my account to confirm that the new amount had been paid. The amount had not changed from the minimum required amount. I then initiated a one time payment for {$100.00} to go toward my loan, as I had originally requested. I was not given an option to apply it to principal. The following business day, XX/XX/XXXX, I called Navient to complain that my auto payment amount had never been updated. I again asked that they update my auto payment amount to allow me to overpay and pay off my principal faster. The Navient representative told me that it takes 14 days to process a request to change the auto pay amount. According to her, because I had not called far enough in advance, my request to increase the monthly amount I am paying was not changed. This is incorrect as I called 15 days in advance of my auto payment deduction. The Navient representative then confirmed that my monthly auto payment in XX/XX/XXXX would reflect the ~ {$90.00} increase I had requested on XX/XX/XXXX. On the same call ( XX/XX/XXXX ), I then told her that I had made the {$100.00} payment on XX/XX/XXXX but had not been given the option to apply it to the loan principal. She promised to manually go into the system as soon as my monthly payment had fully processed and apply the {$100.00} dollar payment to the principal of my loan with the higher interest rate ( as I requested ). On XX/XX/XXXX, I logged into my Navient account to verify that the {$100.00} had been applied to my principal. My Navient account showed that 100 % of my extra payment had been applied to interest, not principal as I had requested. On XX/XX/XXXX, I called Navient again to complain about the issue and get them to correct it. The Navient representative that I spoke to told me that because my {$100.00} payment had not been made on the exact day that my auto payment had been processed, it went to outstanding interest on the account. This directly contradicts what I had been told on my previous calls to Navient. The representative apologized and told me that the previous representatives had given me incorrect information. I asked to speak to a supervisor. She put me on hold and then told me that none were available. Then I requested her to have a supervisor call me back, as I was at work and could not sit on hold. She put me on hold again and then told me that she was unable to get approval to have a supervisor call me back. Navient is engaging in abusive and fraudulent practices, making it impossible for me to control where my extra payments go through their online portal. Then their representatives give me bad information and lie about how my payments are being processed. I understand that my monthly payments are applied to interest as well as principal. However, when I pay above the minimum payment amount, I should be able to apply it to the principal so that I can pay off the loan faster and pay less interest over the life of the loan. I should also be able to do this without four separate calls to Navient and there should be more transparency over how payments are applied. | ||||||
| 05/15/2018 | Yes |
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| I consolidated a number of Parent Plus Loans in XX/XX/XXXX. The original principal was {$120000.00} as of XX/XX/XXXX. The interest rate was fixed at 6.125 % for 30 years. The estimated monthly payment for all but the last payment was $ XXXX.Because I enrolled in automatic EFT payment, on XX/XX/2006 I was given a reduction of 0.250 % interest on the loan. Thus, as of my first consolidated loan payment on XX/XX/XXXX, my interest rate was reduced to 5.875 % resulting in a reduced monthly payment for the 30 year life of the loan of {$740.00}. Because I paid that amount on time for 36 consecutive months, I received an additional 1 % interest reduction on XX/XX/XXXX. I believe my monthly payment, however, has remained the same. During this entire period, Navient was not servicing the loan and I could go online and get a loan payment history which indicated how much of each monthly payment was interest, principal and additional principal payment. I have been attempting to acquire similar information from Navient without success. Today I spoke to a customer service representative and then a supervisor and their responses were unsatisfactory. I questioned the information on the " Loan Details '' page of their web site and suggested it incorrectly listed XX/XX/XXXX as the last date of payment on the loan. I told both of them that I couldn't understand how that would be the case if the interest rate has gone down and the payments have remained unchanged. I suggested that if that was the case, I would have been making " extra '' principal payments each month which would further reduce the amount of principal subject to the 4.875 % interest rate and thus the payoff date should be sooner than XX/XX/XXXX. At one point the sales representative said " let me take out my calculator and see if I can figure this out for you. I shouldn't have to call customer service and have them run numbers on the fly. I should be able to go on line and securely review all my transactions with them. I asked the supervisor if the web site had a section akin to that which the Federal Government provides and financial institutions all provide on the loans they make which breaks down the principal, interest and added principal payments made each month for the life of the loan. He said such information was not available from Navient but that they would be glad to send me a letter which reiterates what I am already able to see on the Loan Details page on their website. UNACCEPTABLE!!!!! I then asked whether I could download a payment history onto my computer to do my own analysis and was told I couldn't. While Navient has no obligation to provide access to the financial planning software XXXX, they are listed as a participating entity. Yet, it doesn't appear they will let me download my own file to check what they are doing with the money I pay hem each month so I can be satisfied it is being handled appropriately. All of this has transpired during a period in which I had an earlier complaint about Navient. In addition, they sent me an unsolicited invitation to " refinance '' my loan with them. Why would I ever consider such a move when I am unable to get the most basic information from them about payments they have already received and when the real loan final payment date is? I do not feel at all " protected '' as a consumer by Navient 's business practices, I did not choose to do business with them but was assigned to them by the Federal Government when they decided to parcel out the Direct Loans I had taken out to finance my children 's education. Is it the position of the CFPB that it is appropriate for Navient to withhold from me the information I am requesting which banks all over the country and the Federal Government routinely provide? If, so, I would appreciate hearing the basis for such a belief because I find Navient to be exceedingly unfriendly to consumers. I would greatly appreciate any information that the CFPB and Navient are able to provide to me. Thank you for your prompt attention to these matters. | ||||||
| 10/10/2017 | Yes |
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| My federal student loan servicer is Navient. I have had issues with my extra payments to individual loans that were extremely unfair to me. I was troubled that my loans with the highest interest rates had balances that were not going down at all when I first started making payments. I asked Navient about this, and they assured me that my payments were being allocated in the most efficient way, as calculated by them. I accepted this answer but was still troubled by it. I decided that I would start to make extra payments to one of these accounts. This would not be something that I would do every month, but when I had a few dollars left over at the end of the month. I made a few payments to one of my unsubsidized loans that had a principal balance that was not going down. I made my first extra payment of {$50.00} on XXXX/XXXX/XXXX to a specific loan and then made another extra payment of {$30.00} on XXXX/XXXX/XXXX to that same loan. I distinctly remember checking a box when I made these payments stating that I intend to make my next scheduled payment and that I do not want my due date pushed out more than one month. I assumed that my auto payments from then on would be allocated properly. I was wrong. At the time, as I was in a financial situation where I could not make more extra payments, I continued to make my automatic payment every month but did not pay attention to my account otherwise. Later on I logged into my account and went back to look at my statements and realized that my due date was pushed out due to my extra payments. for the next three months {$0.00} was allocated to the principle on that loan. ( Screenshot of balance showing {$0.00} going to principle from payments is attached ). To my own fault, it took me a year to notice this issue. I reached out to Navient and was told that they were unable to correct the issue. I still feel that this is wrong and should be correctable. ( I do not have documentation of this message as Navient only stores documents on their site for 12 months ). I have been making new extra payments to one of my Navient managed federal student loans and I feel that the way that they are handling extra payments is fraudulent. I continue to struggle with payments being misallocated. They still have a box where payment preference can be selected ( screenshot is attached to this complaint ), but I feel that this box is completely ignored. Due dates are still always advanced and the next auto payment allocated to the account is often a meaningless amount of a few dollars or less, which is not even enough to cover the outstanding interest on the account. Navient has corrected this overtime that I have noticed the issue right away, but it is often like pulling teeth. I have to send an email to Navient each time that I make an extra payment demanding that my account balance be reset right away. Sometimes this is heeded without issue, sometimes it is ignored, sometimes I receive an ignorant response about not being able to complete my request and I have to send more correspondence to get this done. I have been told by a rep that all future payments would be handled properly. The next payment was not and the next rep told me that their system does not allow for them to make note of how all extra payments should be applied. They have truly given me the runaround on this issue and I honestly feel that they are not as incompetent as they act like they have and that this is a fraudulent attempt to extend the life of my loans. I know that {$80.00} in extra payments is not a large amount of money. If it had not been just about the {$80.00}, this may not be an issue. I honestly feel that Navient is actively trying to defraud me with the way they continue to handle payments. They got away with {$80.00} worth of my payments, and I imagine that I am not alone. I am filing this request in the attempt that it can help someone else who has been hurt more than me. I did not realize that I could file a complaint about this until now, otherwise, I would have done so. | ||||||
| 01/09/2017 | Yes |
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| Mid-XXXX XXXX, I started getting strange emails and voicemails from Navient about my " late '' payment to them. Since these were coming in about two weeks prior to when my payment was actually due XXXX XXXX/XXXX/XXXX XXXX, and my account was up-to-date according to my records, I ignored them. After my XXXX XXXX payment was made and posted on XXXX/XXXX/XXXX, I received another email from Navient on XXXX/XXXX/XXXX stating that their records indicated that they had n't received a payment from me since XXXX/XXXX/XXXX and told me to call them so they could " help '' me make my payments. I thought this was strange considering I had never missed a payment nor have I ever paid late in the six years that I 've been paying back these loans. I logged into my Navient account to investigate and immediately saw my XXXX/XXXX/XXXX payment was listed as received in my history so I called the number in the email. While I waited to be connected to someone, I went through my complete account history and noticed that I had been charged a late fee on XXXX/XXXX/XXXX for my XXXX payment made on XXXX one day prior to the actual due date. I also noticed that they did this exact same thing to me a over year ago- in XXXX XXXX where my payment was posted by the due date- XXXX but again, I was charged a late fee two weeks later, on XXXX/XXXX/XXXX for that payment. Note- My loan due date is usually the XXXX or XXXX of every month so this payment was received ON TIME. When the customer service rep answered the line, I explained my situation : I inquired about the email I had received that morning which was a reminder that my account " needed attention '' and I also inquired about the XXXX/XXXX/XXXX & XXXX/XXXX/XXXX late fees since those were obviously mistakes since I had also paid on time in both of those months. After listening to my issues, the representative from Navient told me that there was nothing that she could do. According to her " records '' my payment for XXXX XXXX was never received therefore my account was past due and that fee was valid. She had no response for the XXXX/XXXX/XXXX fee. Having the payment records open on my laptop for both Navient and my bank, I told her that that was n't true and read her the payment amounts and posted dates for all of the questioned dates. After providing documented proof of timely payments for both instances, she put me on hold and came back a few minutes later saying that she did see that my payment was received on XXXX/XXXX/XXXX and did n't know why I had received the late fee. I asked her to remove both late fees received and was informed that the XXXX from XXXX was too " old '' and therefore could not be removed ; they could only refund me the one for XXXX and apologized for the inconvenience. Before I got off the phone, I asked the Navient Rep if I would receive an email confirmation that shows the removal of my late fee- she did n't know- but stated that it would take a week to be refunded back to my account. I also asked her about my payment posted on XXXX/XXXX/XXXX ; I wanted to make sure that this was n't going to happen again. She confirmed that my payment on XXXX/XXXX/XXXX was received and stated that I SHOULD NOT receive another late fee. On XXXX/XXXX/XXXX I received XXXX emails from Navient confirming that the late fee charged on XXXX/XXXX/XXXX was removed from my account as a " courtesy ''. The morning of XXXX/XXXX/XXXX, I logged into my account to verify their removal only to find that the late fees for XXXX/XXXX/XXXX & XXXX/XXXX/XXXX are still there AND I also now have and additional late fee for the payment made on XXXX/XXXX/XXXX as well. I immediately called Navient, explained the situation yet again, and was told that they 'ca n't see ' any late fees on my account on their end and that my account was currently up-to-date. She could not explain to me why these fees were showing in my account history, assured me that everything is OKAY and blamed my bank, suggesting that I should sign up with their autopay program to avoid further issues. | ||||||
| 06/28/2017 | Yes |
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| XXXX : I called in to Navient customer service to have my private loans put into Extended Repayment till XXXX. The representative that took care of my request was very helpful and told me my XXXX payment ( XXXX/XXXX/XXXX ) would reflect the changes. He stated that I would see the changes by XXXX/XXXX/XXXX. XXXX/XXXX/XXXX : I noticed that the changes had not been reflected on my account yet. So, I cancelled auto pay to prevent the incorrect amount from being taken out. XXXX/XXXX/XXXX : I noticed that the changes still had not been posted to my account. I called in to the Navient customer service line to get assistance. This representative saw that, due to the timing of my call, the Extended Payment could not be applied to my account until the XXXX payment ( XXXX/XXXX/XXXX XXXX. He also stated that due to Navient 's error in communicating the issue to me that my XXXX payment would be covered by Navient, including any late fees for not paying my XXXX payment on time, and that I would not owe anything until my XXXX payment on XXXX/XXXX/XXXX. He stated that I would see the past due amount drop off of my Navient account by XXXX/XXXX/XXXX. I confirmed with the representative that this would apply to my whole payment, he said yes. I inferred that meant my Private and Federal loans. During this conversation, we frequently discussed how much the private loan payments would drop and how that would impact my total payment. This adds legitimacy to my inference that the conversation was about both Private and Federal loans when talking about total payment due. XXXX/XXXX/XXXX : The past due amount did not drop off of my account. I called in and the representative told me that someone from the department that handles setting up the Extended Payments reviewed my timeline and " back dated '' the Extended Payments to cover XXXX as well, and that this " backdating '' cancelled whatever payment arrangement that the previous representative had setup for me that would bring my XXXX payment to {$0.00}. The representative said there is nothing he could do for me and convinced me to agree to forbearance of my Federal loans for XXXX, which I did not want to do because the past due amount then got rolled into the loan as principle instead of being taken care of like the representative on XXXX/XXXX/XXXX said it would. The current representative could not do anything for my private loans, he forwarded me to the collections department. In the collections department I talked to XXXX XXXX, pronounced " XXXX ''. He reviewed my account, notes, and timeline. He did not dispute any of the facts that I had provided to him involving the timeline and what the Navient representatives had agreed to. He did say that there was nothing he could for me other than to put the loans into forbearance for multiple months, but that would require I pay the $ 100+ late fees associated with the late payment for XXXX. I refused to do that and he informed me to call back in and talk to him when I 'm able and ready to pay the late fees. We agreed to end the call. In all situations where there was a miscommunication, an entity not following through with what was agreed upon, and an entity doing something other than what was agree upon, Navient was at fault. I 've been making absurdly high loan payments on auto-pay for the last year in an attempt to get my account back in order and paid off. When I finally caved and asked Navient for some financial relief from the monthly strain, I was lied to and misdirected, pushing me into late payment status. Until Navient can work internally to solve the issue, either wave or reimburse my XXXX payment back to my account, reimburse my Federal loans for the payment and fees rolled into my principle for XXXX, and waives or reimburses fees ( including compounded interest ) derived between XXXX and the time of resolution, I will not be making another payment towards my Navient Private student loans. An exact copy of this message is being sent to the Consumer Financial Protection Bureau. Thank you, XXXX XXXX | ||||||
| 03/28/2018 | Yes |
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| My name is XXXX XXXX. I live in South Carolina and attended XXXX University from XX/XX/XXXX until XX/XX/XXXX. The reason I am sending this email is because I feel that my civil rights have been violated while I was a student at XXXX. When I first started at XXXX, I was told that once I have completed my course credits for my XXXX XXXX XXXX Degree in XXXX XXXX XXXX that I would not have a problem getting certification as a XXXX in my state. I successful completed my course load in XX/XX/XXXX and paid the balance that was left on my account in XX/XX/XXXX. I received a letter of congratulations from the president of the school and student records on the completion of my degree. My degree was going to be mailed in XX/XX/XXXX due to the fact of the XXXX XXXX. In XX/XX/XXXX, I received and email saying that I was being brought up on Academic Dishonesty due to the fact that my work for six courses were the same as another student. I never talked to the person that sent that email. Every time I him and asked for him to give me a called back, he all of certain did not work there any longer. I end up talking to someone else that did not know what was going on. He said that he would need at least 24 hours to find out what was going on. I said all right 24 hours. When I went to work the next day, I found out that another student had been turn in my course work as her own for a whole year and no one at XXXX took the time out to let me know. I found out that the other student was a co-worker of mine because she came to me and apologized for what she had done. I told her that they were looking to take my degree for what she did. She wrote a letter and gave it to me informing XXXX that she was the one that did wrong and I did not know anything about what was going on. She takes all of the blame. When the representative called back, he told me that I knew exactly what was going on because it was going on for a year and I gave her permission to use my work as her own. I told him that I did not know of anything and that she wrote a letter explain this. After scanning the letter and emailing it to the representative, a hearing was set up. After the hearing, my degree was taken. I had an appeal hearing and they upheld the decision of the first hearing. I fought for almost a year and got another appeal hearing. During that hearing I was asked about how was I able to get ahead in my XXXX XXXX class. I explain to the committee that there is a student guide link. They told me that there is not a link. So, I explain to them how to go onto the link. The outcome of the hearing was for me to retake the six classes and could not use any of my information from these six classes with the new six classes. I agreed and retook those six classes. When I retook my XXXX XXXX in XX/XX/XXXX, the instructor said that I was not citing the information correctly when she graded one of my assignments. I emailed her and asked what else I need to do because I was having computer problems. I was using a citation site to make my citation. She never emailed me back. I took that classes again and passed to obtain my degree in XX/XX/XXXX. In XX/XX/XXXX, I was brought up on Academic Dishonesty for the classes I took in XX/XX/XXXX. The outcome from that hearing was for me to complete a three step program and to take XXXX XXXX because the committee wants to make sure that I would be alumni that would represent XXXX at 100 %. I successful completed the program and passed XXXX XXXX. As of today, I am being brought up on Academic Dishonesty again for the six classes, XXXX XXXX, and not finishing the program. I really do feel like my civil rights are being violated by XXXX. During all of this at XXXX, I had to get student loans onto of getting my Pell Grants. I had applied to take classes for my XXXX but with all of this, I can not even take classes for my XXXX. I have used up all of my FAFSA, pay back student loans, and can not get my XXXX certification. Can you please give me a call at ( XXXX ) XXXX after XXXX EST? | ||||||
| 04/20/2021 | Yes |
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| I have been having issues with Navient ( Federal Student Loan Servicer ). Navient sent me a letter stating that my student loans didn't have to be repaid when I thought that I was supposed to be out of the grace period. I never received any information from the loan servicer regarding when I was to start my repayments or what options I would have to repay my loans. I did not find out that I had 42 late payment entries until later on when happened to decide to go back to school. I was informed that my student loans were in default and I was told to go on a forbearance to bring my account current. I also asked them if there was anyway due to in miscommunication on their part to remove the derogatory marks from my credit report. They told me I had to send in a letter. I sent in a letter and they said that it was going to be 30 days before I get a response. I also asked them if there was anyway to get my loans. I was still debating on going back to school and on a separate occasion, I asked them if there was anything that I could do to stay current since I was unemployed and didn't have a job. They finally told me about the repayment plan where I wouldn't have to pay anything as long as I didn't have any income. I asked that person how long that had been around for and he said for a couple of years. Navient did not send me any notification stating that payments were to began getting paid as they claimed that they did in 2017. I never did receive a response from the Navient regarding the letter that I sent. This issue has been a huge problem since 2017 and I have not had a problem since then. It took me a while to educate myself on this since Navient failed to disclose this information in an attempt to keep from being exposed to additional issues that they were facing similar to mine. I have again asked that they remove the derogatory marks from my Credit Report and they refuse as they say that they reported correctly. I don't believe they report correctly and if that was the case, they should report being late after 30 days instead of 90 days in which they claimed to have contacted me when I received no such correspondence. If they go to the extent of waiting 90 days before reporting things on people 's reports, then they should have sent me a certified letter, in which I received no such letter advising me of my delinquency and failure to contact would result each and ever separate loan being reported as past due, which has practically killed my credit report. Navient failed to advise me of the correct payment beginning date and the ending of any and all deferments for any reason, failed to accurately report correct information to the credit bureaus, failed to advise me on repayment plans available to me while I was unemployed so that I didn't have to be put in forbearance and risk the same problem again. Navient has also failed to remove the derogatory remarks due to their failure off of my credit report. This is not the first issue with Navient and they just had to settle lawsuits on the same types of behaviors. Navient has chosen to ignore me until I brought my complaint to the U.S. Department of Education. The compliant process was supposed to go to a third party ombudsman, who was supposed to be neutral, but instead was sent to an individual that worked for Navient. There was nothing unbiased on that process and they took the same position as the Loan Servicer. I would like this complaint to be investigated and if Navient fails to do the right thing, I will unfortunately have to file a lawsuit against Navient for the same allegations as it was sued for previously for their practices while servicing my loan. This behavior is unacceptable this started around 2016-2017 when all of this behavior was alleged in other lawsuits to have been going on, and that is to include inaccurately reporting and deceiving borrowers in order to get additional fees and for other reasons. Please see if you can resolve this issue prior to me being forced to file a suit against Navient. | ||||||
| 08/11/2022 | Yes |
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| My two private student loans were originally taken through Sallie Mae, and were later assumed by Navient. For both loans, my mother was a guarantor/cosigner. I have paid these loans religiously every month since I graduated in XXXX. In fact, for the vast majority of this time, my loans were set up on autopay and paid automatically every month. I never applied for any alternative repayment plan or forbearance. My husband and I filed a joint XXXX XXXX bankruptcy in XX/XX/XXXX. As I was told student loans are not discharged in bankruptcy, I continued to pay my loans every month, during my bankruptcy and after. In XX/XX/XXXX, my autopay did not draft and I received a notice from XXXX XXXX that my accounts were paid off. I immediately contacted Navient and was told that due to settlement of a class action lawsuit against Navient, my loans should have been discharged in my bankruptcy in XXXX and have now been written off and I no longer owe Navient anything. In XX/XX/XXXX, my mother received an email that she had a new payment due to Navient. I again contacted Navient and was then told that the loans were transferred to my mother because I am no longer legally responsible for repayment. I explained that they told me the loans were written off, not that they were going to go after my XXXX mother for the balance. After some research, I found several complaints about Navient offering a cosigner release form where loans qualify for a cosigner release after 12 months of on time payments from the primary borrower, a good credit score, and other requirements. Neither Sallie Mae nor Navient ever disclosed to me over the course of 12 years of on-time payments that a cosigner release was even an option, let alone that I qualified for it as far back as XXXX. Additionally, this information is conveniently not able to be located anywhere on Navient 's website, even in the borrow information section. You can only find this elusive information on Navient 's site by Googling " Navient cosigner release ''. Mine is one of many complaints about Navient 's deceptive practices and failures to disclose. Had I known my mother could be released as a cosigner, I obviously would have applied for such, like any prudent person would. I submitted the cosigner release request in XX/XX/XXXX and was denied on the basis that I " do not have any active loans with Navient ''. So because Navient arbitrarily closed my account without notice, transferred loans to my cosigner without notice, and failed to ever disclose over the course of 12 years of on time payments that the cosigner could have been released, these loans are now in my mother 's name and I continue to pay them by check every month because I can no longer access them online. Had my mother been released as a cosigner at anytime between the time I qualified for a cosigner release in XXXX and the filing of my bankruptcy in XXXX, the balance of these loans would have been written off and my mother would not be saddled with student loans at retirement. To make matters even worse, as I've continued to pay these loans every month via check, Navient has cashed every check, but today reported to the credit bureaus on both my credit and my mother 's that the accounts are 60 days past due and in default, which is no where near true. I have paid back well more than my original loan amount, and Navient has made plenty of money off of me these last 12 years. Navient had a duty to inform of the potential of a cosigner release and the process for such and they failed to do so. Had Navient properly disclosed the cosigner release process, my cosigner would have been released from the loans well before my bankruptcy, and my loans would have been properly discharged due to my bankruptcy. Navient is using their failure to disclose their policies as a backend way around bankruptcies to continue to collect from discharged borrowers because most prudent people aren't going to allow their retired parents to become saddled with their education loans. | ||||||
| 04/22/2020 | Yes |
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| I am receiving repeated auto-dialer phone calls, sometimes as many as three times per day, from Navient Corporation concerning my student loan debt. I told them repeatedly I do not want to receive phone calls from them. The first time they called was on XX/XX/2020 at XXXX XXXX but I did not answer. I called back the number that called me ( XXXX ) XXXX and when they told me it was regarding my student loans I told the person I just got my first job after graduating from XXXX XXXX and I would pay the monthly payment I owed when I get my first paycheck on XX/XX/2020. Despite my telling themI would make the payment, and then later telling them not to call me anymore, they keep calling me from their various phone numbers using an auto-dialer system. I know they are using an auto-dialer because when I answer their calls there is a pause, then I hear the line ringing until one of their representatives picks up the call. Here is a list of the times Navient has called me, including after I told them not to call me anymore : XX/XX/2020 at XXXX XXXX from ( XXXX ) XXXX. I did not answer. XX/XX/2020 at XXXX XXXX I called the above number back and told the Navient representative I had just gotten a job and would be able to pay the amount I owed when I got my first paycheck on XX/XX/2020. I can not recall for sure if I asked them to stop calling me on this particular call ( It's possible I did not because I did not expect them to start harassing me nearly every day even though I told them I'd be sending a payment ). XX/XX/2020 at XXXX XXXX from ( XXXX ) XXXX. I did not answer but called back the number later and found it was a Navient phone number. XX/XX/2020 at XXXX XXXX from ( XXXX ) XXXX. I did not answer. XX/XX/2020 at XXXX XXXX from ( XXXX ) XXXX. I did not answer. XX/XX/2020 at XXXX XXXX from ( XXXX ) XXXX. I answered and told the person on the line I did not want Navient to ever call me again. XX/XX/2020 at XXXX XXXX ( just 2-1/2 hours later! ) from ( XXXX ) XXXX. I answered and again told the man on the line I did not want Navient to ever call me again. XX/XX/2020 at XXXX XXXX I received yet another call from ( XXXX ) XXXX. I did not answer and proceeded to block the number from my phone. XXXX at XXXX XXXX from ( XXXX ) XXXX. I did not answer but later called back the number and verified it is another Navient phone number. XX/XX/2020 at XXXX XXXX I received another call from ( XXXX ) XXXX and did not answer. XX/XX/2020 at XXXX XXXX I received another call from ( XXXX ) XXXX. I answered but after I answered their was a pause and then their auto-dialer system hung up on me. XX/XX/2020 at XXXX XXXX I received yet another call from ( XXXX ) XXXX. I answered and again to the Navient Representative that I had repeatedly asked them not to call me anymore. I asked him if the call was being reported and he said it was. I then asked him if I could record the call and he said I could not. I then stated my name and the last four digits of my Social Security number and said " I do not want to ever receive a telephone call from Navient again. '' I doubt they will stop harassing me. Oh my gosh! They just called me AGAIN while I was typing the previous sentence! At XXXX on today, XX/XX/2020 I received yet another call from ( XXXX ) XXXX. I spoke at length to a Navient Representative who identified himself as XXXX XXXX. I reiterated again that I would be paying the amount I owe ( it's less than {$100.00} ) after I get paid on XX/XX/XXXX. In my new job capacity I am a XXXX XXXX XXXX XXXX at a Hospital in XXXX in the midst of my Orientation ( Training ) period. I am taking care of Covid-19 patients who are critically ill in the XXXX XXXX XXXX. I can not turn my ringer off because I need to be available to my hospital 24/7. I am being woken up when I am trying to get a little sleep by these harassing phone calls and it is causing me to be drowsy at work ( I work 12.5 hour shifts ). This is literally endangering my patients ' lives. | ||||||
| 04/12/2022 | Yes |
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| I have not used student financial aid since XXXX yet they show multiple loans totaling XXXX dollars for a school that I have never attended and certainly did not receive XXXX dolllars from anyone. I used financial aid in XXXX for the licensed practical nurse program that I attended and then attended XXXX XXXX in XXXX when I became an XXXX and at the time XXXX didnt offer financial aid therefore I paid cash in full and graduated then in XXXX I attended XXXX XXXX XXXX for. XXXX XXXX in XXXX XXXX and XXXX XXXXXXXX XXXX did not and still does not offer anything financial aid other than their own internal interest free financing which i again paid cash for now Navient has failed to provide documents and details of these additional loans and details of my enrollment at XXXX XXXX global the forms that they did sent are only electronic signatures or strange variations of the spelling of my name and inaccuracies im the addresses even crossed out and corrected in handwriting that is certainly not mine. Now I have been damaged by these loans for years and still I have tried to get them to resolve and remove these fraudulent loans that are absolutely not mine and I have gotten no where and this is my last effort before I retain counsel and file suit for immediate resolution and even damages due to the impact that this bogus XXXX dollar debt that they have continued to report or sell and suddenly it goes into default at no knowledge of mine and of course a consolidation loan is their only immediate remedy for the situation where they add on obscene amounts of additional money to the balances so they are making a killing with the predatory practices and they estimate for yhe XXXX payments they are trying to collect from me on this fraudulent XXXX over the course of the payments would end up costing me over XXXX dollars for a school I never attended a day in my life and I refuse to pay for anything that I did not use or attend so I will never make a single payment on this unethical practice and I am awaiting your plan of action then engaging my attorney as this has gone on for years and they have yet to investigate and resolve this matter. I wont allow another opportunity once you have attempted to assist me should you be unsuccessful I will have my attorney use any and all available actions in order to be made whole again after this has carried on since XXXX to XXXX that they claim I attended this school and utilized these fraudulent loans that clearly only Navient and the school benefited from as I challenge them to produce details and documentation of these loans dispursements as you will find not one time will they show proof that they were paid to me in any way shape form or fashion only to the XXXX XXXX XXXX NEVER to me. And their inability to show this alone should be grounds for resolution and complete dismissible and deletion of these bogus balances they continue to report to the credit bureaus now totaling XXXX dollars and I believe that if the school was paid on my behalf then there should have been excess amounts refunded to me which they also will never be able to show so XXXX XXXX XXXX will also have action filed against them as well. I have literally had it with this never ending nightmare that has compromised my credit standing for decades now and when I have made effort to resolve this directly with Navient I was treated as though I was merely someone attempting to get out of paying my loans completely missing the fact that I have total debt outside these student loans only XXXX dollars in credit card debt and a car loan for XXXX dollars and that is literally all now does this sound like the credit balances of someone that doesnt want to pay their debts?? No I didnt think so but it has and continues to interfere with my ability to obtain a mortgage to buy a home and this is unacceptable by any stretch of the imagination. Thank you in advance for any assistance that you are able to provide in this matter. XXXX XXXX XXXX direct cell | ||||||
| 01/29/2019 | Yes |
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| First - the loans where fraudulent! XXXX XXXX XXXX XXXX pushed loans on us to satisfy the schools enormous fees and tuition. They recruited me from a reputable XXXX XXXX School in Idaho where the fees per semester where {$1200.00}. The school/personnel sold lies and deceit to get me to recruit me, and keep me there. They said don't worries about the fees, we can get you the money, you'll make 100+ right out of school, and they did everything in their power not to accept transfer credits to lighten the loan. Furthermore, after the federal loans where made the pushed on me the private loans even without a cosigner and with XXXX fees. I was young and unaware of the consequences since I believed everything sold to me. Now, after school was over I was offered a job ( official for {$14.00} hr ). I was offended and appalled!! I negotiated {$40.00} k a year and that was only because I was top honor of the entire school and had leverage. But even that much was significantly lower than what was seen out in the market. I would have made more being a sales person at XXXX XXXX or an office secretary. At this time we truly considered the absolute deceit and unfortunate circumstance we were in and decided that I had to return to school to get a better career! Meanwhile, I have applied for the borrowers defense for the federal loans to be discharged ( still pending but should go through ). XXXX XXXX XXXX XXXX ( who owned XXXX XXXX XXXX XXXX and other For-Profit-Schools ) was litigated and judge XX/XX/2019 as to forgive existing debt they hold ( {$490.00} million ) for student loans they own for students who attended their school. For me my loans where sold off to Sallie Maie/Navient. Now the Navient loans were not in the lawsuit but my contention is they were fraudulent just list the loans XXXX held and the Federal Loans given under that same school. I am still in school with training and with a husband with now job and XXXX kids and with a negative cash flow, Navient is calling me daily at my work and family and friends to get me to pay something I can't and shouldn't because of the fraud!!! I feel like I am not protected in anyway and have no where to turn. My loans have not been address either with Navient or through an existing lawsuit. I don't believe Navient has given me options adequate enough to the fraudulent loans to feel comfortable. I have XXXX in debt with them and they wanted to settle for XXXX. The problem is I can't pay what they're asking and have no place to get it. Let alone I don't think it's right especially considering what they've done. I think the loan in some way should have been discharged because of the terrible practices by both the school and Navient. Furthermore Navient Solutions is looking for something that works for them and not me. Of course the agent on the end of the line gets a piece of what they settle and that's how they're paid but I feel strongly that I shouldn't pay anything! I will offer today XX/XX/2019 to settle for $ XXXX which comes from a credit card of my husband, some from what little cash we have at the bank and some from a family member. Other issues as a result of all this is a XXXX attending me. I am on some XXXX and XXXX medication and I feel trapped! Additionally when I decided to switch careers as a result of how I was burned and lied to, I choose to XXXX. I was fortunate enough to get accepted and graduated from XXXX school at XXXX in XXXX. I am there now as a 2nd year resident. Navient Solutions knows this and are hassling my work and co-workers to cause pressure on me. Furthermore they know I'll make money in 4 years and are asking me to come up with XXXX wtih the remaining to be paid at the end of 4 years. This is their leverage but again - because of the fraud I feel like Navient and like XXXX are cheating me again. Anyhow these are multiples issues but the largest one - these loans being requested of me to pay on are fraudulent and I don't know what to do next.! | ||||||
| 05/31/2022 | Yes |
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| My husband and I were married in XXXX while still attending a private college. We both had loans but the loans were in an in-school deferment status at the time. We had our first child in XXXX. But by this point, we had both dropped out of school to seek full time employment and meet family demands. In XXXX, while working full time as teaching house parents for a childrens group home making very little and still trying to manage multiple monthly student loan payments, XXXX XXXX encouraged us to consolidate our loans together to make one manageable monthly payment. Ok. Sounds good-that makes sense, we thought. So on XX/XX/XXXX we signed the spousal consolidation loan through XXXX XXXX for 25 years. Our consolidated loan amount was for {$60000.00}. **I have also included a complete rundown of every single payment we made to XXXX ( now Navient ) since XXXX. ** We made monthly payments on time, but during periods of severe financial difficulty, the loans were in forbearance. My husband began working for the federal government in XX/XX/XXXX. We filed for bankruptcy in XX/XX/XXXX at which time, we were told our student loans were not allowed to be included in the bankruptcy. The main source of our debt that we were seeking relief from. When we originally heard about the PSLF program in XXXX, we filed the paperwork to get at least my husbands portion of the loan on the path to forgiveness. The application came back denied because they couldn't verify his loan amount under the program terms. Confused and defeated, I just let it go for the time because it hadnt been 10 years anyway since he started with the XXXX and thought maybe thats why we were denied. In XX/XX/XXXX, my husband and I seperated. We were able to manage a financial agreement on all our joint bills except for the joint consolidation. Admittedly, I did have more student loans than him. At the start of this consolidation, his loans accounted for about {$16000.00}. We were not able to separate our joint consolidation. After numerous phone calls to Navient, there was nothing we could do about separating our loans. After reconciling in XXXX, we made a new commitment to pay on these loans no matter what. Even during pandemic, when all other loans were in a federal deferment, our loans did not qualify for the CARES Act. We continued to make larger monthly payments than the minimum. We have since learned that my husband would have never qualified for the PSLF under our current FFELP Spousal Consolidation. Then earlier this year, the Navient Settlement was announced. Finally some relief from this horrendous predatory loan program we are stuck in! I read all the fine print, our loans should definitely qualify to be canceled. Except they are not. Because our FFELP Spousal Consolidation while being serviced by a commercial lender is still identified and treated as a federal loan program that happens to not qualify for any of the federal loan relief programs. Something I do want to make clear- I am not trying to get out of paying a debt that I owe. Although I do believe this was and still remains a predatory loan program, my big ask is to, in fact, have these loans separated for the following reasons : 1 ) In order for my husband and I to take financial responsibility independently of each other. 2 ) To qualify for respective forgiveness/cancellation programs within the current parameters of the law. 3 ) Acknowledgement of the fact that this was such an egregious loan program that it is now defunct and any outstanding balances related to this program should now be defunct. 4 ) Just as borrowers who are no longer financially obligated to specific for-profit schools alleging school misconduct, I should not be financially obligated to a loan servicer for similar misconduct. 5 ) At the very least, I should be allowed to file a Borrower Defense to Loan Repayment Application citing the FFELP Spousal Consolidation specifically and any lender that participated in this type of loan program. | ||||||
| 10/03/2022 | Yes |
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| My name is XXXX XXXX. I'm a XXXX of yours and a XXXX in XXXX XXXX. I'm emailing you about Senate Bill 1098, Joint consolidation loan separation act that you sponsored. I currently hold student loans ( XXXX ) with my ex-wife. They are consolidated in a type of loan called the " spousal consolidation loan '' held by Navient. This type of loan was discontinued back in XXXX or XXXX because of it's predatory nature. The consolidation loan took my student loans and my ex-wife 's student loans and consolidated them back in XXXX into the " spousal consolidation loan '', when we were still married. We thought it would be a good way to lower the interest rate and make the payment more affordable for a newly married couple. We sadly divorced in XXXX. These loans are the only thing that we couldn't split and take our own separate ways. It would make sense, in a divorce situation, that each party would take their assets and debts with them and move on with their lives. With the spousal consolidation loan, this isn't the case. I've been told that it will take an act of congress to separate the " spousal consolidation loan '' back to individual loans. It doesn't make sense to me and seems predatory and criminal in it's intent. Currently, the loan is in an IBR program with Navient. Each year we both have to file paperwork to re-certify the IBR program with income and personal circumstances. Navient, who holds the loan, has to take each one of our separate loans and combine them to come up with a joint payment. So, technically, they are separate loans that have to be combined to create a joint payment. From my research the only practical reason we can't split them is, I believe, they want to keep us both liable, even though we are legally divorced and should be responsible for our own individual loans. To me that is absolutely and morally wrong. What makes this situation even more sad, is that I'm a XXXX XXXX. I'm a XXXX in XXXX XXXX. I XXXX XXXX XXXX and have for a long time. I've tried tirelessly to take advantage of the. Public Service Loan Forgiveness program. I've been told multiple times, by Navient, that my " spousal consolidation loan '' isn't eligible for the program, can't be split back into individual loans ( even though they are separate and need to be combined by Navient to come up with a joint repayment amount each year ), and my portion can't be reconsolidated into a loan that would qualify me for the PSLF program. I find this disgraceful and un-American. It sounds like evil greed and frightens me as to the ramifications that could happen once the IBR time is up. These loans might be forgiven after 25 years, but a huge tax bill could be penalized onto me and my ex-wife. My understanding is that, once forgiven, the forgiven amount is considered taxable income during that calendar year. That's outrageous. I should be able to take my original loan and qualify myself for the PSLF program and get credit for my prior years of teaching while being trapped with this " spousal consolidation loan. '' My ex-wife can be responsible for her original loans. I shouldn't be forced to be responsible for her portion and she shouldn't be responsible for my portion. A divorce should allow a split of such debt, no matter the circumstance. Can you update me on the status of this bill? Can you let me know if my " spousal consolidation loan '' would qualify for the S 1098 bill? What are the details and terms of the bill? Is the bill only for separation of loans for those who have suffered abuse or is it for all people with consolidation loans, no matter what type? I simple want to be responsible for my own, ( not my ex-wife ) loans and take advantage of the PSLF program that's available to me as a teacher. It seems that the specifics of the " spousal consolidation loan '' has discriminated against me being allowed to participate in programs available to other teachers and public servants. Please feel from to reach to me if you have questions. | ||||||
| 07/24/2019 | Yes |
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| This complaint is about the Public Service Loan Forgiveness ( PSLF ) program. I graduated with my XXXX in XXXX XXXX in XXXX. For five years after I graduated my loan was managed by Sallie Mae ( XXXX ), then by Navient ( XXXX ). Starting on XX/XX/XXXX, I was hired by the State of Maryland Department of Health. I have been employed there full-time ( 40-45 hours per week ) ever since. After I started this job, I reached out to Sallie Mae to inquire about the PSLF program. I was told during a phone call to make sure I was paying on time with an Income-Based Repayment Plan ; then after 10 years of qualifying payments, I could apply for forgiveness. Thinking I needed no further action, I continued making payments through my Income-Based Repayment Plan. In XXXX my loan was transferred to Navient ( not my choice ; Sallie Mae transferred the loan ). I reached out to Navient through multiple phone calls throughout XXXX and XXXX to confirm I was still in the PSLF program. I was told, by multiple operators in numerous phone calls, that I qualified for PSLF. I was told, again and again, that I only needed to ensure I was making on time payments with an Income-Based Repayment plan. I re-applied, and was approved for, an Income-Based Repayment Plan every year from XXXX through the present day. I was told, again and again, that after 10 years of qualifying payments, I could simply apply for forgiveness. I trusted Navient and Sallie Mae, and thinking no further action was required, I simply continued to make payments to my loan. I was never told to fill out an application to get my employer approved by PSLF. I did not think to record these phone calls because it never occurred to me that I was being lied to. In early XXXX I happened across an article in the XXXX XXXX XXXXXXXX describing the PSLF program. It was only through this article that I learned my payments did not qualify for PSLF. The article described that loans had to be consolidated ( mine were not ) and they must be held by XXXX only. I immediately began the process of consolidation and transferring to XXXX, which took several months. On XX/XX/XXXX I was approved for PSLF through XXXX. Since then, I have continued to make on time payments through an Income Driven Repayment Plan. I now receive letters confirming my placement in PSLF and confirming the number of qualifying payments I've made. Per the recommendation of XXXX, I re-apply for PSLF every year to get my employer approved. My complaint is that for nearly four years ( between XX/XX/XXXX - XX/XX/XXXX ) I was employed by a state government, making monthly payments, and believing I was already part of PSLF. I make significantly less money in the public sector than I could in a private job, and the Income-Based payments I make do not even cover my interest amount. During those four years, my loan balance grew. It currently lies at over {$270000.00}. I believe those four years of payments should count toward my completion of PSLF. I am a cautious person, and I made repeated efforts to communicate with Sallie Mae and with Navient about my loan. I was directly given false information. Had a single person at either of those lenders told me to consolidate through XXXX, I could have done so immediately. Instead, I kept my loan at Navient, believing I was already part of the PSLF program. Because of the lies I was told, repeatedly, I now have almost 8 years remaining on my PSLF plan. If I had been told the truth, I would have less than 4 years remaining. These years, and these payments, make a huge difference in my daily life. I am a married mother to a toddler in full-time daycare. I have another child on the way. I am a homeowner with mortgage payments. This is a time in my life I'm trying to settle down, establish my home, and start my family. Four additional years of payments ( currently at {$1100.00} a month ) is a huge financial stressor for me. The lies I was told by Navient have had a lasting impact on my life. | ||||||
| 01/23/2021 | Yes |
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| On XX/XX/XXXX I contacted Navient customer support in regards that my FFELP Stafford Subsidized Loan was put into default. The customer service representative told me to email XXXX with my issue. To that email address I wrote the following : -- -- -- As of today I have discovered that a loan, now seemingly owned by XXXX XXXX XXXX XXXX XXXX, which I was informed by customer service is indeed Navient, has defaulted as of XX/XX/XXXX. On the phone I was informed that the loan was delinquent in XX/XX/XXXX. I dispute this for the following reasons. I am under the income-based repayment. I have attached my IBR request that was sent. I've also included my last communication I received from Navient, which is about my Income Driven Repayment request. I have not received any form of communication from Navient or XXXX since that email. As mentioned above, there has been no communication about either any delinquency or other issues. The only way I discovered the loan was in default was through the studentaid.gov which reminded me to check on my loans in relation to the CARES act. The address you have on file is incorrect and has been so for many years. I have repeatedly provided more up-to-date contact information. Navient clearly does have my email address. Considering this, the loan should be removed from being defaulted immediately. Sincerely, XXXX XXXX -- -- - I received immediately the following confirmation email : -- -- Thanks for your recent e-mail regarding your student loan ( s ). This auto response provides confirmation your message has been received. We are examining the issue ( s ) raised in your message. Please allow up to 10 calendar days for any requests requiring a response. If you need immediate assistance, you may call our office toll free at XXXX. -- - Which was followed by a request to verify my identity by sending the last 4 digits of SSN and two other personal identifiers, such as name, address, or date of birth, which I did immediately. After sending the verification details I received another confirmation email saying the message had been received and they will respond within 10 days. As of today, XX/XX/XXXX, I have not gotten a single response from Navient. -- - I then managed to contact XXXX XXXX XXXX, the collection agency working for XXXX, on XX/XX/XXXX. I spoke to a XXXX XXXX who said that he was struggling to pull up the information I sent for unclear reasons. I then sent the same email as above, under his advice, to XXXX, also now including evidence of my original email. I received no response. -- - On XX/XX/XXXX I called Pioneer Credit Recovery again and spoke with a manager who then advised me to email all the documentation again to XXXX and that XXXX XXXX will handle my account. I did so. He advised me to contact Navient as well and that they will forward the information to their client and see if they can get the default investigated. He claimed that their job is to close the account and if that means taking it out of default because it was a mistake then they have done their job correctly as well. He told me to call back the next day to see if there has been any progress. I called Navient immediately who told me they werent able to do anything, the loan is in default, and they have no way of assisting me. On XX/XX/XXXX I contacted XXXX XXXX at Pioneer Credit who claimed that their client said they could not verify my identity and therefore require more documentation to prove who I am. I sent the same email as above, with the same attachments, but now also including my passport and drivers licence scans. She primed me to expect that itll take weeks before we see any progress. I am skeptical of what efforts they will undertake to satisfy this issue. Navient has denied me any information or response whatsoever in what is their error in processing my income based repayment documentation. As mentioned in my emails to them, they never contacted me or managed to communicate any issue. | ||||||
| 02/24/2017 | Yes |
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| Originally I borrowed about $ XXXX in private student loans to help pay for college in XX/XX/XXXX-XX/XX/XXXX to help support my XXXX children and myself while in XXXX school. I have had to put my loans in forbearance over the years because I 'm unable to pay the {$1300.00} monthly payment. My loans are now in excess of {$220000.00} from interest accruing. I have made several attempts to make payments towards these loans, however the amount they are proposing to me is still unmanageable long term. The beginning of 2016 I stopped making payments towards my private student loans in the hopes they would be able to offer another program with affordable payments. I was harassed and threatened for months to accept only one payment arrangment they offered or I would be in default. They stated they could start garnishing my wages and or intercepting my tax return if I did not accept their only offer. I answered all of their calls every month telling them I could only afford {$400.00} a month towards my private student loans. I refused to make a payment until they could come to a long term agreement that I could afford. On XXXX XXXX I received an email offering a settlement or an interest rate reduction program of 0.001 %. I called to get all the details and I was offered a settlement in the amount of $ XXXX. I told XXXX my account manager " if I had that kind of money I would definetly accept it ''. He then offered me a payment plan with a monthly payment of {$250.00} and a $ XXXX down payment. He stated " this was half of the balance I was behind ''. I told him " there was no way I could come up with those kind of funds in 30 days that maybe I could come up with $ XXXX by the end of XXXX ''. He said " he needed a payment today to hold the loans in his office '' so I offered the last {$100.00} in my account as a promise to pay and agreed I would try to come up with XXXX by the end of XXXX. I called on XXXX XXXX spoke to XXXX XXXX since XXXX was not available when I called. He accepted {$800.00} as the down payment for the rate reduction program of 0.001 % or in other words the remainder of the loan would be interest free. He applied {$600.00} to XXXX seed, {$100.00} to XXXX and {$100.00} to the XXXX seed. He said " to call back next week and speak to XXXX about the agreement documentation and to make my first payment of {$250.00} ''. I called around XXXX XXXX spoke to XXXX and he asked " if I was calling to make a payment ''. I said " yes however I would need the terms of our verbal agreement in writing ''. He said " he would have the documentation prepared and to call him after I received it ''. Near the end of XXXX I called XXXX again to get an update in regards to the written agreement. He asked me " if I was calling to make a payment ''. I told him " yes however I never received the terms in writing as discussed in our prior conversation ''. XXXX then asked for my email address to send me the written agreement. He said " I would receive a secure email to which I would need to put in a password to retrieve my documents ''. The call ended and I waited, A few hours later XXXX called back and stated " he could not honor the payment arrangement of $ 250 monthly for the remainder of my loan. He stated " I had XXXX different co-signers and I would need to make a payment of {$250.00} for each seed/co-signer, a total of {$750.00} a month ''. I asked on almost every call especially the one call made on XXXX XXXX when I spoke to XXXX, " if this agreement was for ALL private loans/Every seed and my payment would be {$250.00} a month '' I made myself very clear on that call. XXXX verified this was for all private loans and all XXXX seeds. They emailed/called me to offer this arrangement, I did not ask for it. Also how can an {$80000.00} loan become {$200000.00}? How can I be charged over {$120000.00} in interest? Something is very wrong here, this must be investigated! I believe something is very illegal in regards to their practices! | ||||||
| 07/22/2021 | Yes |
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| I had a student loan with Sallie Mae for many years and it eventually became Navient. I have had intermittent issues with them over the years regarding not posting payments. They can't seem to process money orders. I have no choice but to send money orders each month. I have a consolidated loan with my ex-husband and he is court ordered to send me money orders once a year ( 12 of them ) and I have to send them monthly to satisfy his portion of our loan. ( I actually pay my half online ). Every month for the last ( probably 6 ) months, I get harassing calls from Navient about my payment not being made. They tell me they never received the money orders. Then I have to call the money order company and confirm they were cashed-which they always are. Then Navient will argue with me and tell me I have to send them proof from the company ( which the company charges {$30.00} for. An automated system will give you the cleared date for free but charge for official copies ), and it's a written mailed request I have to send in, wait for it to be sent back, and then I would have to send it to Navient. The whole process is very time consuming all the while they are showing me past due. Every month I have to explain to a different Navient employee what is going on and that it happens every month. Today is the 2nd time this week they have called me-while I'm working. My payment is due the 11th. I mailed it 2 weeks ago, they cashed it on the XXXX of this month. Yet, they have no record of it in their system. THIS IS THE MOST FRUSTERING THING I HAVE EVER HAD TO DO REPETITIVELY regarding a billing issue and i do not wish ( or feel like I should have to ) do this for the remaining 15 years (? ) of my loan. There have been times they called XXXX weeks after they cashed it to tell me I am past due. The money order is mailed with a printout of my account ( I don't get a monthly statement ). The printout has the money order number on it, the amount of the payment, my loan number, name, address, and i put a note on it that says " any questions call XXXX ''. The money order has the loan number on it. A few months ago a Navient employee said " put a XXXX after the account number on the money order. It will help it get processed. '' So I did that. The following month when they called and I explained, the employee said " Since you are sending in 2 money orders, put them in different envelopes ( still with -9 ). So I do that, both will the printouts and all the information. ( I take a picture with my phone every month of the paperwork and the money order so I have documentation ) It's like a big game to them. They have called me 2 times today already. My anxiety and stress about this is through the roof and they don't care and they have no answers, and they don't care to make any process improvements. Why wouldn't a money order get posted when it is received like a check does? A money order is more reliable, its been prepaid. A check could bounce? I know Sallie Mae has had lawsuits for mishandling payments and other issues. I don't want a law suit. All I want from them is to process my payments and stop harassing me and acting like I don't pay my debts. I don't want to have to spend an hour on the phone with them once or twice a month every month explaining their incompetence. I think they should be forced into a process improvement, or fined if a payment is received but not posted within ( 3 days seems plenty reasonable ). The employee today told me it takes 3 days, yet it is the XXXX and it was cashed on the XXXX? He didn't really have any explanation, they never do. 15 minutes after I got off the phone with Navient, I got another call from them about my payment being late?! I have ask them to stop calling me about payments and told them why but they said no, they can't do that. I'm pretty sure you can ask a creditor to stop calling?? Please, for the sake of my sanity and all of the student borrowers-please do something to correct this. | ||||||
| 04/26/2018 | Yes |
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| I currently have a private student loan from Navient that I and a cosigner applied for back in XX/XX/XXXX. The original loan amount in XXXX. I had the loan deferred until XX/XX/XXXX. I spoke to someone on XX/XX/XXXX XXXX requesting a reduction or some type of payment plan because the loan amount was going to be XXXX per month. Instead of paying that amount per month, the customer service rep stated I could do an interest only payment plan making my payments XXXX per month. I was not aware at that time that, that payment was just daily interest payments not going to the actual past interest. I called and spoke to someone in XX/XX/XXXX inquiring on why I have made payments sinceXX/XX/XXXX and my balance was not reducing nor did I see the interest decreases. The representative told me I was only paying on " daily interest '' and that my loan was XXXX of interest and principal and I also had XXXX of interest that accumulated while I was in school deferment. I asked the rep because my loans are split I could technically try and get a loan from a different company to pay off the principal side and make small payments to the XXXX interest side if I wanted to. The Rep said that was correct. The loans would be separate and any future payments would go to principal and once that was paid the additional payments would go to the XXXX that accrued while I was in school ... I guess he was wrong. I then called XX/XX/XXXX to find out how I can make principal and interest payments because my loan was not decreasing. I have made 31 payments and my balance of the loan has not changed. My main goal for the call was to set up principal payments. I spoke with a Representative then I was transferred to a Supervisor XXXX ( Agent # ) he then helped me set up payments that would be principal and interest. He was to remove me from the interest only payments and set my monthly payments to include the principal and interest. He told me my payments would be XXXX per month. Which was a huge difference from the original amount of XXXX per month. I still agreed because I need to get this loan taken care of. I asked if I could set it up on a biweekly payment schedule he said yes. He set my payments up to draft XXXX biweekly, giving me that 1 extra week that I will receive a check to catch everything up. He told me at that time I will be on principal and interest payments.! month later I check my account and nothing has posted to the principal. I call them immediately. XX/XX/XXXX I spoke with rep XXXX, then was transferred to a Supervisor XXXX. He then tells me that the Supervisor never put in the request to remove me from interest only payments and he would get that corrected for me and review the call. He called me back 2 days later and said he had time to review the call, he would make sure my payments went to interest and principal and he would put in a complaint and have someone return my call because the payments I scheduled weren't enough to cover my monthly obligation amount. Because it had been a month and I was still in the " interest only '' plan my monthly amount due would be XXXX per month. I explained that the Supervisor I spoke with on the XX/XX/XXXX should have made that change and all the money should be going towards principal and interest. Why would I increase my payment to go towards interest only. I feel like my XX/XX/XXXX-XX/XX/XXXX payments should have went to the principal and interest. They continue to give me the run around and have no intentions of helping me decrease this loan. Now they're trying to tell me that all payments will go towards the XXXX of unpaid interest that is not combined with the principal and interest that is XXXX, has to paid first. My total loan is XXXX. I'm sinking with this company and at this rate I will never get this paid. No one has ever contacted me from the complaints dept and when I requested it, they said there osbuzman? dept looked into and feels as though it's not necessary to contact me. | ||||||
| 07/04/2017 | Yes |
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| I recently had XXXX XX/XX/XXXX, 2017. My pay check from work has significantly changed and am taking home less pay every two weeks due to health insurance increase to family plan. I have been currently trying to find other options for health insurance for my family to get a better pay check, more take home money to pay bills such as student loan bill as well as my monthly bill payments such as utilities and food etc. I have also called other student loan companies that I have to figure out how to delay payments or get approved for a re payment plan. I have successfully talked to other student loan companies and they gave me repayment options such as the income driven repayment plan. But when I called NAVIENT, it was a different story and I was offered little guidance and support and was threatened. I called NAVIENT on Tuesday XX/XX/XXXX at XXXX XXXX. I explained to them I just had XXXX and my new family situation and that my pay check has significantly been reduced and that I can not afford to pay them my monthly payment and want to avoid having my account in default and to a collection agency. I explained what other student loan companies offered me such as the income driven repayment plan, and stressed the fact that I could not pay them that amount or much of anything right now but once I figure out getting different health insurance, or getting a new job which I am trying to do as well, I can afford to pay them and would be happy to do so, and re iterated again I 'd like to work something out with them and that I 'm trying to apply for a XXXX XXXX XXXX position because I just finished my XXXX degree and am certified to XXXX. But I can not afford to pay them plus afford my utilities and monthly bills and food etc. The man on the phone ( did n't take his name down, and i usually do, but his phone number and extension are XXXX ext XXXX ) said that because navient is a private loan company and they do not offer repayment plans that only federal loans do. He said he would interview me and ask me a few questions about myself and finances. I answered at least 20 questions regarding my monthly bills such as electric, heat, cable, internet, cell phone, groceries, gas, and my new paycheck gross and net amounts. He put me on hold then came back and said that he could offer me a lower monthly payment of {$170.00} due every month but that I had to pay that amount exactly right now on the phone or else this offer would not stand and could go to collection agency and then caught himself in mid sentence to tell me that this was not a threat that he was telling me. I asked him and said to him exactly these words, '' so your telling me, after I told you how I can not afford to pay you and answered all your questions about my bills and this is the only option you can give me and I have to pay you this amount right now even though I do not have any money? I said to him, I will have to somehow get the money, I do not have the money, I will have to ask family or friends or something. He said that if I hung up the phone right now, this may not and probably would not be an option to pay this new amount. I said, well I do not have a choice. I do not have any money in bank account nor can I afford to pay that amount and your telling me that 's the only option I have, I have to find the money. He said, let me finish writing notes down for when I called again and if I got a different rep and he gave ma his extension to call back once I had found the money somehow. I now have not been able to pay that amount nor can afford it. My loan will be going into collections in a few months. This is the third time I have called them since XX/XX/XXXX to discuss my loan and repaying them and I find the reps to be confusing, not understanding, and they have done nothing to help my credit and all they have done is add stress and XXXX to a new mother as well as threatened me. They now call me constantly since I called them on that day XX/XX/XXXX. | ||||||
| 02/05/2018 | Yes |
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| Dear CFPB member, I have 5 different loans, which Navient never allowed me to consolidate. I have a cosigner, who Navient used as a " pawn '' when I asked to release him, saying I wouldn't be qualified, despite my high enough credit score, which I worked really hard to attain and my continuous full time employment since graduation in XX/XX/XXXX. Each of the 5 loans gets charged anywhere between 8.5-11 % interest rate ( which is preposterous ) and my total amount has reached {$88000.00}. I was in an income-based payment plan with Navient and my fixed monthly amount came $ XXXX/month ( a fourth of my income ), which was manageable. The money was being withdrawn directly from my bank account so all I would get from Navient is a statement showing the amount that was being withdrawn and the interest accrued. Given my high credit score I decided to refinance with a lower rate ( 3.4 % ) I got approved from XXXX XXXX XXXX, mid-summer of last year ( XX/XX/XXXX ). This is where I discovered the first issue : 1. When I asked for a detailed invoice for each of my 5 accounts ( as XXXX 's XXXX requested ) I discovered Navient had been charging me late fees and listing them as late fees in my account. When confronted them with the issue, they stated that ( and I paraphrasing ) their software automatically does that but I shouldn't worry because I am not really paying any late fees or getting reported to the Credit Bureau. This explanation was not good enough for XXXX 's XXXX even when I presented them with a 7 year record of repayment history. They requested that my late fees be removed and they extended their offer for low rate refinance to 90 days so I can get the issue fixed. When I reached out to Navient to ask them to work something out and explained the issue to them all they could offer was me paying my regular minimum payment of $ XXXX/month for the next 90 days to get it fixed, which I couldn't afford to begin with. They claimed they couldn't get the late fees removed because that was an automatic thing the computer did due to the fact that my fixed monthly payment was being withdrawn on the XXXX day of the month, but my payment due dates for 4 of my 5 loans were between the XXXX and the XXXX of every month. This was the first time I had been given such detail in all 7 years I had been dealing with Navient and their predecessor ( XXXX XXXX ). After a lot of back and forth from XX/XX/XXXX until XX/XX/XXXX Navient never fixed the problem and I lost my offer for low rate consolidation. Not only that but Navient removed me from the repayment plan and reported me to the credit bureau for missing payments for 3 months on a row, ruining my credit and my cosigners. 2. I finally got on the phone with them and reasoned so they decided to put me in a 6 month low amount repayment plan until I figure out another option ; they withdraw $ XXXX/month from my account, since XX/XX/XXXX. I have been keeping an eye on the account because not only they keep charging me late fees and interest rates but they are also reporting me late to the Credit Bureau, despite taking the money from my account as agreed upon. This trends continues with them. I want to figure out a solution that would allow me to refinance and now that shot has been stripped away from me despite having worked so hard to get there ; all because Navient lied about the terms of the repayment plan under one-fixed monthly payment, continuing to charge me late fees and interest rates and finally ruining my credit I worked hard to build. Last but not least, I really want my American dream, just like everyone else and I can not get there until XX/XX/XXXX or later if Navient continues to play tricks on consumer who are trying really hard to repay their loans despite the fact that our educational institutions tricked us into these loans without properly educating or giving us real choices. Thank you so much for looking into this matter for me. Respectfully, IL Resident | ||||||
| 09/01/2016 | Yes |
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| There is a traffic citation ticket issued to me by the Hawaii XXXX Judicial Court-XXXX in the amount of {$2400.00} on XXXX/XXXX/XXXX. The Hawaii XXXX Judicial Court-XXXX sent this citation debt over to MSB ( Municipal Services Bureau ), who is a " private collection agency '' contracted by the XXXX Judicial Court of Hawaii - XXXX to collect on this citation debt with me. This citation debt was sent to MSB on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a letter from MSB communicating their attempt to collect on this debt, but for a different amount of {$2900.00}. On XXXX/XXXX/XXXX, I sent a written letter direct to MSB exercising my legal rights and disputed their collection actions for that changed debt amount. I requested MSB to provide me their legal verifications for that debt owed. On XXXX/XXXX/XXXX, MSB responded to my dispute by sending me their response letter along with a copy of the XXXX Judicial Court of Hawaii-XXXX " Printable Calendar View '' which only states the dates of events that the citation debt went through. MSB did not provide me with any " valid '' documents proving the citation debt is lawfully owed by me and proof of their authority to collect it from me as well. In their letter dated XXXX/XXXX/XXXX, they stated that the " Printable Calendar View '' is validation of my debt owed to them. They also stated in that same letter, " if you feel this fine ws reported in error, you must contact XXXX Judicial Circuit of Hawaii-XXXX for additional information. '' On XXXX/XXXX/XXXX, I called Hawaii Traffic Violations Bureau at XXXX and spoke with XXXX for information on the citation debt. She told me it was still open and the amount owed is {$2100.00} only. On XXXX/XXXX/XXXX I sent another dispute back to MSB via their online consumer portal, disputing their validation response letter dated XXXX/XXXX/XXXX and the " Printable Calendar View '' debt validation they included as well. I demanded MSB to remove and clear the debt from my name for their invalid debt validation, for keeping the debt open beyond the 7 year debt collection statute limitations and also requested them to notify the XXXX Judicial Circuit Court of Hawaii-XXXX about these matters as well. On XXXX/XXXX/XXXX, MSB responded to my 2nd dispute sent to them on XXXX/XXXX/XXXX, acknowledging their receipt of my 2nd dispute but not directly addressing my issues. MSB overlooked my disputes and stated in their response letter ... '' this office recognizes your correspondence as a dispute of the balance we were contracted to collect from you on behalf of our client as well as a request for MSB to cease collection efforts. Pursuant to your request, MSB will no longer attempt to contact you about this matter. However, please be advised that this action does not resolve the balance owed to our client. '' I checked online with MSB 's customer portal to check my debt account status with them and I see that MSB still shows my account with this debt still remained as " active ''. On XXXX/XXXX/XXXX, I called MSB direct via phone and spoke with their representative named XXXX regarding my disputes and their wrong actions. He stated to me that " court fines are not subject to any credit laws whatsoever. The debt will remain open and active for collections. '' I hereby, file my complaint to CFPB for further investigation and a lawful and true response regarding this debt matter. I would like to know the truth with this debt matter. If our XXXX Judicial Court of Hawaii-XXXX sent this citation debt to a " private collection agency '', does n't this private collection agency fall in compliance to the Federal Credit collection laws? If MSB does have to abide by the Federal Credit collection laws, does n't this debt have to be removed and closed for their invalid debt validations? Also, if the XXXX Judicial Court of Hawaii-XXXX sent this citation debt to a " private collection agency '', does n't this debt get released from their collections as well? | ||||||
| 02/19/2022 | Yes |
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| In XXXX, Navient became the servicer of my student loans which originated through XXXX XXXX. I had taken out around {$25000.00} worth of student loans while working full time and going to school on a part time basis. This was the original principal amount. Up to today, XXXX, I continue to have issues paying what should have been a reasonable debt ( approximately XXXX ) has now turned into {$90000.00}, and will take approximately 25 years to pay off. These monies owed will no doubt go into my retirement years, when the company, now through XXXX ( the latest entity to make itself the guarantor of this loan ) will have the full ability to garnish social security benefits or monies from retirement accounts, and I will have nothing left. Since XXXX, this principal amount continued to become larger and all attempts to work with Navient failed. When I asked for a reasonable monthly payment, I was told that I did not qualify. The only options were forbearance but it was never explained to me exactly how that would affect my monthly payments in the future. All communications were confusing and payment amounts would constantly change. By XXXX, I was put into default with XXXX XXXX XXXX XXXX ( XXXX ), now the guarantor. According to records provided to me by XXXX, I have paid {$17000.00} to Navient, none of which I received credit for. Navient has also put me in forbearance for a total of XXXX months. I was put on a rehabilitation program through XXXX and the loan is now out of default status but I was informed that the loan would be serviced again by Navient, which greatly upset me because I feel that a loan from XXXX should never had 15 years pass. I believe greatly that Navient only offered forbearance in order to compound my interest and to elongate the time of the loan. I was told by XXXX, and never by Navient, for example that interest is calculated on a daily basis. I only found this out in my dealings with XXXX. The new loan under Navient, which is due to commence in XX/XX/XXXX, with interest, will total {$90000.00}. Because of my past dealings with this servicer, on XX/XX/XXXX, I called XXXX to request that a representative from XXXX ( XXXX XXXX ) please assist me with talking to Navient about perhaps a different repayment plan. We spoke to Navient employee ID # XXXX ( she would not provide her name ) and she told me there were no options available but a loan consolidation was discussed. She said I could apply for a loan consolidation that could be managed by the Department of Education ( and removed from Navient ). She indicated she would email the paperwork to me and we confirmed my email address. I asked the representative at XXXX if she felt this was a proper course of action and she agreed. To date, the Navient representative has not sent me any paperwork. I logged onto my XXXX website ( which Navient recommends in their communication as a resource ) and spoke with a DOE customer service rep named XXXX XXXX XX/XX/XXXX, who told me my loans are already consolidated so I can not do another loan consolidation. Why could the Navient representative, who has full access to my account, not have informed me of this so as not to waste my time or hope? This is the pattern of behavior from Navient that I have sustained for XXXX years. This debt was woefully mismanaged by Navient, and their practices of misleading borrowers has even continued up to XX/XX/XXXX. For over 15 years, I had attempted to pay these loans off, sending monies when I could. I was never offered the chance to at least pay off the interest during forbearance, or repay as you earn, or any of the other options now offered through the XXXX XXXX website. Over the years I have been harassed by phone calls, of which I reported to the better business bureau, and communications by lawyers, all of which would sending various payment amounts due. I have years of paperwork that I saved that provides proof of the bullying tactics Navient employs. | ||||||
| 02/20/2019 | Yes |
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XXXX XXXX XXXX XXXX consolidated my student loans In XX/XX/XXXX. Navient sold account ( s ) were sold to XXXX XXXX XXXX. Ive been paying between $ XXXX- $ XXXX monthly since XX/XX/XXXX and Navient has reported me late 30-180 days multiple times since XX/XX/XXXX. Im disputing this. ( XXXX XXXX XXXX ) Lack of PaymentsI paid them monthly over a period of 5 years at a rate ranging from $ XXXX- {$49.00}. These payments totaled to Approximately $ 4500+. It was my understanding that the payments I was making was going toward my student loan Repayments and Interest. As a result I accrued an additional interest of {$5000.00} + and 4 plus years of Extreme Negative Credit Reporting ( 90-180 days past due and more ) My credit has suffered SEVERELY and as a result I am unable to apply for loans, and purchase a home etc.
XX/XX/XXXX We are approaching the deadline to renew your repayment plan for year two. Each year we must reapply for the correct repayment plan in order to ensure that we are making your monthly student loan payments as affordable as possible. In order for us to do this effectively, we need some information from you : most recent tax return, your two most recent paystubs, drivers license ( if you have changed your name ), and family size. Providing us with this information in a timely manner will insure that we are able to submit your application to the correct repayment program on time.
If we do not receive this information, it will result in your repayment program defaulting to a standard 10 year plan. This could increase your payment drastically as you will be expected to pay your full loan balance within the next ten years. If you don't want your payments to increase please submit your updated information as soon as possible.
We look forward to managing your loans in year two using our expertise to keep your payment as low as possible.
Please contact us as soon as possible at XXXX so that we may answer any questions that you may have.
Best Regards, XXXX XXXX XXXX XXXX P : XXXX F : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX I need this months payment on the XXXX postponed and I need to speak with you about where my payments have gone to over the past 5 Years. A formal document Sent from my XXXX ( my response to the email sent to me, which never received a response or a formal letter sent telling me where my money has/was being applied to. ) On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX |
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| 08/14/2017 | Yes |
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| In XX/XX/XXXX/XX/XX/XXXX of 2016 I consolidated my loans with Navient. I was told they would not be taking a payment that month but a payment was taken non the less. I called navient and was told that the easiest thing to do was to contact my bank and have them take the payment back, which I did. The Loan consolidation was completed by XX/XX/XXXX and I logged in to make a payment and set up auto pay. I was unable to use my checking account and was give the following error : Were sorry when you previously entered this bank account and routing number combination, we received a returned transaction from your bank. If the information youve entered is correct, your bank needs to send us a letter validating your account number to : Navient XXXX XXXX XXXX XXXX, PA XXXX ATTN : Fraud Department I immediately contacted my bank and had them send the letter to navient validating my account. Probably around XX/XX/XXXX I attempted to make a payment and set up auto pay and again received the above error. I contacted Navient and was told they never received the documents. I called my bank again, had them send the letter to Navient again. I did receive confirmation emails from navient that they had received the documents. I then attempted to make a payment online and received the above error yet again. I called navient at that time who said they did have the documents they just needed to be processed. I made payments bringing my account up to date at that time. I then received an email from them a few days later indicating that my payment had changed. I called navient to question the change of payment and they informed me that they had put me into Administrative forbearance until they could process my bank account information. I informed them that I had made payments that put my account current for the next 2 months so I did not need to go into forbearance as they should be able to process everything in a 2 month period. They fixed the payment back to its original payment amount. I again attempted to make a payment online in XX/XX/XXXX and was unable due to same above issue. I called and spoke with navient again, and again was told they would fix the problem. I made a payment at that time and was again ensured that the problem would be corrected. I have logged in and tried to add the bank account and it is still not fixed. I called again today and was told that they only reason I could not add my bank account was because the account was past due and if I made a payment it would allow me to use my bank account. I attempted to make a payment and yet again they were unable to process it through my bank account. They supposedly spoke with a supervisor and was told that once the payment was made I should be able to process the autopay. Each time I have to make a payment I have to call the number and and spend at least 10 mins or so fighting with the automated system that insist can help me but ultimately can not. I then have to process the payment on my debit card each month. This has been extremely frustrating to say the least. Besides not being able to set up auto pay and make timely regular payments, Navient continues to make the process very burdensome and difficult. It should not be difficult to make a payment for your student loans when you want to make a payment!! And Im supposed to deal with them for the next 30+ years???? Not to mention they put me into a very unnecessary " administrative forbearance '' without my permission, trying to get more money from me! At this point what recourse do I have?? Again it should not be difficult to make a payment! I have done everything that has been asked of me. If I did not have a debit XXXX check card I would have to make a trip to my bank to get a cashiers check and then go to the post office to mail in a payment every month. I did not sign up for that! I am trying to make timely payments and should be able to do so without having to jump through a thousand hoops each time. | ||||||
| 03/08/2019 | Yes |
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| In XXXX of XXXX, I was in need of a co signer to obtain loans to pay for graduate school. My first loan was co-signed by my uncle. The second was co-signed by dad. In XXXX, the loan servicer at the time Sallie Mae, now Navient? Advised that within one year of my graduating from school that they would both automatically fall of the loans and that it would only be in my name and my responsibilities. Fast forward to XXXX. I have been out of school for 2 years, paying on the loans after a 3 month forbearance from XXXX of XXXX to XX/XX/XXXX. XX/XX/XXXX I call to see why the signers are still on the loan. Sallie Mae/Navient advised me that the rule is now, that I must make 2 years of on time payments AND then the co signer will come off the loan. At the time, I had been making payments, some of them interest only for short time, so my two years of payments did not QUALIFY for removal in XXXX. Fast forward to XX/XX/XXXX. Two more years of payments, I call and ask at that time to have them removed. I am then told that I must qualify for the loan amounts on my own and that I would need to apply to get the loans solely in my name. I apply and I am informed that at the XXXX month payment I was a day late so my two years of payments must start all over from the date of day late payment. 2 more years pass. Its now XXXX. I have made my two years of payments, I have applied to get the Co signers released, then I am told I must send letters written by the co-signers requesting release. Then from there, I would still need to have a high enough credit score and sufficient income to get them released, I would need to submit tax returns for two years along with my application request. At the time, I was self employed running a business that was making a profit but not enough obviously to have the signers released. The co signers both retired and XXXX, write letters and requested release, they too had to submit financial information. Again, they are denied stating that they cant be released because the amount left on the loan and our credits combined wont allow me to hold the loan individually without their fixed incomes being counted. So two more years, of me working on my credit score to apply again, to have them deny me again saying I missed a payment again at the XXXX month mark and would need to start over. This cycle of 2 years of payments, applying, letters written by co-signers has gone on until now. I am currently unemployed and I have been since XXXX of XXXX. I got a lawyer involved last year to see if they could assist me in getting my payments lowered, my loans forgiven or some time of relief. They were only able to get me some assistance for a few months. Now, I have missed ONE payment for this year and they are constantly calling my co signers and sending me emails to which I have advised them again, I am not working. I was told I had to pay XXXX to be put on a 3 month forbearance AFTER I told him, I had NO income and would be out of the country the next few years on a mission and my co signers were XXXX and on fixed incomes and they too can not afford to make my payments, the young man today, named XXXX XXXX said he would notate my account, as there was NOTHING he could do to stop the calls or emails unless I paid the XXXX and that would only stop it for 3 months? I have paid the amount of the original loans ( XXXX ) PLUS more than that in the last 15 years. And the balance has only gone down XXXX ( currently balance is XXXX ) after paying between 900-1200 a month for 10 years straight. Navient has caused more trouble than enough to my father and my uncle who cant get the services they need as this loan is still on their credit reports showing close to their original loan balances despite 15 years of payments. This is insane and worse, my uncle is no longer speaking to me or my dad as a result. Navient has destroyed my life, my relationship with uncle, my husband and any future relationships as well. | ||||||
| 05/27/2016 | Yes |
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| I just XXXX from XXXX school in XXXX ( Yay me! ) and have well over XXXX in student loans. The irony : Navient does n't have ANY stake in my XXXX school loans, and I owe them {$1800.00} Stafford from a decade ago from XXXX. Because of credentialing delays I 'm still not working. Husband ( works in XXXX ) was laid off a month before I graduated. I was XXXX in XX/XX/XXXX and he took time off work - an ignored collections financial issue JUST for right now, but relates due to severely affecting annual income for XX/XX/XXXX. Nobody was hiring XXXX over holidays : in XXXX XXXX he still did n't have a job. We decided to apply for IBR for when grace period ended on loans because our life savings was taking a hit from basics like groceries and basic utilities - I know how to live like a pauper and seriously stretched the bucks. I went to studentloans.gov and applied for my IBR to be sent to my loan providers. All of them came back {$0.00} payment = good. XX/XX/XXXX Navient still was processing- I thought it was weird. I used their online features and emailed to inquire and they said " it looks like it 's about to be approved. You 'll be notified when grace ends of the terms and your payments. '' Well, I got a letter saying my IBR was accepted, but they never notified me of the plan terms or payments - they said to await further instruction. No mail and no emails. A month goes by and they finally email me ... I 'm late on payments. What? They had taken my IBR application, which was completed using XX/XX/XXXX 's income, which seriously was n't much at all, and said we made money, so we owed them. I can barely put food on the table right now - literally scraps - and I called them and said we were n't working, how can they ask us to pay if we have nothing?! I was nice - I just did n't understand it. They said I must have filled out the form wrong and did n't say where our income had changed. I have the form. I pulled it up and examined it again. It is correct, and they are the only ones doing this of the XXXX loan providers I have - everyone else says I owe nothing in payments until I renew my IBR. Except Navient! I emailed Navient what I filled out : " ... .it shows that we had income in XXXX, but I selected all options stating we had a CHANGE IN INCOME and we did not have any taxable income for XX/XX/XXXX, and still do not at this time. ( Please have someone look again and see section XXXX of the form, questions XXXX through XXXX. ) The tax information was required by studentloans.gov for the XX/XX/XXXX, due to us ALREADY doing our taxes. But I still completed the form stating we have NO CURRENT TAXABLE INCOME ( Section XXXX questions XXXX and XXXX ). '' I had to repeat over & over again to them - " we have no taxable income '' because the Navient rep told me I needed to tell them that in writing in order to process the info ... ... was n't that the purpose of the form I completed with studentloans.gov? I sent it to a Navient supervisor. I told her about the other loans and the issues. They came back with telling me that " you must return to studentloans.gov and complete the form again and re-submit. Do not include recent taxes. '' They only gave 1 month forebearance! This makes no sense. At that point I was crying and angry. To make things more complicated, my husband was offered a job THAT day. If I fill out that form again and say we have no income when he is now working - it 's fraud. I wo n't do it. What can I do? There 's no way to pay this right now - we have now lived off credit cards for months and MEDICAID since XX/XX/XXXX Navient did NOT use a government form properly! Wo n't give more forebearance. Emails on my loan acct are deleted!! I ca n't shake feeling like they delayed deliberately so they could get money from me, expecting my husband to get a job. I did everything XX/XX/XXXX - a government form AND I did it properly. I can work with hospital collections ... but NAVIENT! | ||||||
| 03/13/2017 | Yes |
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| Navient has engaged in deceptive practices concerning my student loans. Each time I have received an email from Navient, the title of each email was the same : " New Document Ready to View. '' Upon looking at the emails, they would show my current owed balance ( {$2100.00} ) on my loans and mentioned that I should log into their website to view more information. When trying to log into their website, I was unable to produce proper login information despite multiple attempts. It was n't until I called them XXXX months later that I found out I have to register on the website before being able to log in, despite what the email said. I am unsure how a document is ready to view for me if I do n't have an account. Towards the end of my grace period after leaving college, I was notified that my payments on my loans would begin in XX/XX/XXXX. I was NOT notified in the emails of the AMOUNT of my payments. I soon found myself funding some legal fees and neglected to pay on my student loans for 2 payments. After two months ( XX/XX/XXXX ), I received an email illustrating a balance overdue of roughly {$120.00}. It was at this point that I contacted Navient over the phone to see what could be done, as I am undergoing some extreme financial hardship between supporting myself and paying legal fees. In my phone call with the Navient representative ( XX/XX/XXXX ), she mentioned that while Income-based payment plans are an option, that in her PROFESSIONAL OPINION, which I should absolutely trust, I should place my loans on forbearance for an ENTIRE CALENDAR YEAR. She also recommended that after the year was up, if I still did n't want to pay my payments due to hardship, I should renew my forbearance for ANOTHER YEAR. Throughout the conversation she was very reassuring that this was my best option, even after verbally confirming that I spend a decent chunk of my income assisting family members not claimed on my taxes. To lock in my forbearance, she said something along the lines of, " Okay now I have to read you something and I need you to say you agree and you 're all done! '' Great. She quickly read XXXX paragraphs of terms to me that briefly mentioned I would gain roughly {$30.00} a day in additional fees added to my loans. I was naive and trusted her so I said I agree ( it was my best option, right?? ) Here 's where it gets interesting. In XX/XX/XXXX I get another 'Document Ready to View ' email that now shows my owed amount jumped up to OVER {$5000.00}. I then called Navient again & another representative explained that I took out XXXX federal loans, the second one being for {$3500.00} ( I was n't aware of this ever ). I concluded this jump in principal was due to my account being placed on forbearance and that I IMMEDIATELY wanted to be taken off of forbearance and switched to an income-based payment plan. This new representative said that was fine, but that she recommended I " hold off on that '' because a link was broken on their website so the application process now involves me having to fax tax documents to them and filling out an application online that may take up to 15 business days to process before I get approved to be removed from forbearance. I promptly mentioned that I was aware of the lawsuit filed against Navient for their deceptive practices and that I felt I was being subjected to said deceptions. SHE IMMEDIATELY changed her tone and said " Oh well I can take you off forbearance right now over the phone let me put you on hold. '' She later came back with a fake surprised tone saying, " My goodness she pressured you into forbearance for a year? That 's unheard of ; let me fix that. '' While on hold, a recording emphasized the experience of all of their representatives and how I should trust their expert opinions ( lol okay ). She soon came back and updated my forbearance to be shorter and my new payments start next month. Caution to all : Navient is shady and should n't be trusted. | ||||||
| 02/09/2017 | Yes |
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| I borrowed roughly {$22000.00} to attend college. I was asked to pay close to {$370.00} a month in student loans once I graduated. I could, in no way, afford to make this payment. I was instructed by my loan servicer ( XXXX XXXX at that time ) to defer my payments for a year or XXXX until I could afford to make the payments, stating how many borrowers, in my same situation, opted for this option. I agreed to defer for a year and felt relieved that I had a year to better my financial situation with my new career and could then afford to start repaying my loans. I did not realize that by deferring that I would accrue such a substantial amount of what is called " capitalized interest. '' Now I do blame myself for not keeping a closer eye on my account, however at the time I did not own a computer, nor could I afford XXXX so I did not utilize online " anything '' for any of my accounts. Several years of deferring later, I opened my online account, mainly due to XXXX XXXX being taken over by Navient and now having a tablet ( given as a gift! ) I WAS SHOCKED ... .I realized that I had accrued almost {$7000.00} in capitalized interest. I consulted with Navient and was told to start paying {$150.00} a month. I did this for about a year an a half. I noticed that none of the money I was paying was going to towards the principal and all of it was going to interest. I called and was told by Navient that I had to pay off the capitalized interest first before it would start to come off of my principal. I was once again devastated. I realized that as I was " paying off the capitalized interest first '', I was continuing to accrue interest on the total account balance ... all that capitalized interest accruing interest ... .I was getting nowhere! I was paying every month and every time I looked, my account balance was higher. I called Navient and was told that I needed to pay {$390.00} a month to get ahead on my loan. I started paying {$400.00} a month on XXXX XXXX. I kept looking at my account online and seeing that roughly {$270.00} of the {$400.00} was going to the principal and roughly {$120.00} of the {$400.00} was going to interest. Not great ... but it was the first time that I was actually seeing my money going towards the principal balance!! I am still currently paying {$400.00} a month ... .I have paid close to {$13000.00} back since I borrowed this money ... and I currently owe roughly {$1600.00} MORE than what I originally borrowed!! This is financial XXXX. My once ~ {$22000.00} school loan has turned into a ~ {$35000.00} loan and is steadily climbing. Its clear to me that I have been steered into financial turmoil by the very organization that is set in place to help guide and mentor me though my school loans. I then received my XXXX form for XXXX. It states that I paid {$4500.00} of interest to Navient in the XXXX tax year. I paid Navient a total of {$4800.00} in payments in the tax year XXXX. If this form is correct, then that means that I paid ONLY {$270.00} towards the principal balance on my loan. However, my online account shows that almost that same amount ( XXXX ) is going towards the principal balance EVERY MONTH. So how can that be? When I questioned Navient I was told that " if that is what the tax form states then that is the correct amount of interest that you paid in the tax year XXXX. '' When I continued to question Navient, I was then told that the reason the amount was so high was " because it is actually the amount of interest that you have paid since XXXX. '' I replied with, " well that sure sounds like tax fraud to me. '' I ended the call immediately. I went to log on to my Navient account and when I typed " Navient '' into the search bar, it popped up. " Navient being sued '' I could n't believe it. I called and spoke with a wonderful lady at the Bureau of Consumer Financial Protection who informed my of what Navient was being accused of and literally, I am XXXX..HELP | ||||||
| 01/29/2019 | Yes |
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| I have in the past attempted to contact Navient concerning my student loans with mostly negative results. I am now convinced that unfortunately this company is in the business of making money off of student loan debt at all cost and not fairly providing resources to assist individuals with loan repayments. I recently tried again before filing this complaint to contact Navient on XX/XX/XXXX to get information concerning 3 private loans : Loan XXXX XXXX XXXX, Loan XXXX XXXX XXXX, and Loan XXXX XXXX XXXX. I asked the representative if I could have in writing an explanation of late fees charged as well as when they claimed I fell behind in payments. The representative could not or would not provide that information, but instead wanted to read me a threatening statement that one of the loans would become delinquent. I have been provided no information regarding the process of delinquency or what triggers it or how many payments late you have to miss to become delinquent. In addition, I was told I could make a " good faith payment '' of XXXX dollars on one of the loans. Even though I feel that the loan has been mishandled, and have not received any explanation for the current late fees, I did in fact make the payment. As far back as XX/XX/XXXX or XXXX ( again unable to get Navient to do an honest review of my account history so not sure of exact date ) I gave a financial statement and I agreed to a payment plan specifically for the private loans in question which I was told would absorb all the late fees and the representative at the time stated that my loans would become current. I continued to make payments with no issues until they ended the repayment plan with no explanation. I have attempted to get an understanding as to why a payment plan that was working was ended and Navient has been unwilling to provide a reason. Almost immediately the loans became late again which if they had been made current and I was making payments why would they automatically be late with fees owed? A portion of the private loans in questions, I have paid and brought current ( again with unexplained fees and late payment amounts ) which there again speaks to my consistency with making monthly payments. I have a consistent record of making payments, and the private loans are the only loans that have continued to be mishandled. I have reason to believe that Navient could be deliberately trying to force me to default on a private loan in order to take legal action against me in a retaliatory move given the hostile communications I have had with them. The company is extremely abusive in it's practices which includes nonstop calls and harassment by representatives. It is clear that Navient, in it's desperation to exploit loan borrowers and recoup money off their debt, encourage their representatives to be abusive and to strong arm individuals into repayment plans that only benefit Navient but are an unreasonable burden on the borrower. They have no interest in working with borrower, but have a predetermined approach to pursue in each case. In addition, I believe Navient deliberately withheld information concerning loan repayment options, and has attempted to coerce me into providing information about my financial situation to exploit me financially. I have also experienced abuse from the call representatives who use financial threats but refuse to provide details about loans. Navient has continued to claim that they want to assist the individual with loan repayments, but they offer no substantial or flexible opportunities to do so. Navient clearly believes that they can continue to get away with these predatory practices. I can not speak for all loan borrowers, but I have proven that I have every intention to pay my student loan debt. I am filing this complaint against Navient due to it's extremely unethical behavior and it's lack of transparency concerning their handling of my private student loans. | ||||||
| 01/19/2017 | Yes |
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| I 've had a large balance, close to $ XXXX, with Navient since I graduated XX/XX/XXXX. That 's what happens when you finance XXXX % of out of state tuition for five years. In fact, my balance has only recently begun to decrease because for the past several years I was unable to make anything but interest only payments. Not only is Navient unwilling to allow me to consolidate my loans ( I currently have XXXX loans with interest rates varying from 2.5 % - 5 % ) but they are also unwilling to allow me to reduce my payments going forward. I received a letter in the mail that I thought was actually a sign that things may be changing. The letter advised me that XX/XX/XXXX, my interest only program would stop and I would then be on a normal payment schedule. It also stated that my payments would increase from approximately $ XXXX/month to $ XXXX/month. The letter went on to say, " this is an almost 80 % increase in your student loan payments. Please contact us as soon as possible so we can work out another payment plan with you to lessen the financial impact of the increase, you may be eligible for other programs ''. Sounds great right? They 're willing to work with me right? Wrong. I called about a month after receiving the letter, which was still about six months prior to the payment increase and was told ( by three different call reps on three different attempts ) that I can not do anything until the payments increase XX/XX/XXXX. They said I 'd have to wait until then to call back and do a financial analysis to determine what I was eligible to pay. I told them how the letter said to call as soon as possible to set something up and they told me that was incorrect, even though I was holding it in my hand. I then had to call back two more times before finally speaking to a supervisor. You 'd think someone higher up would be more understanding and would be more willing to help but this person was insulting and unhelpful. At first he told me the same thing, that I 'd have to wait until the payments went up before we could discuss other payment options, which does n't make any sense. I then had to basically demand that we do a financial analysis during that call so that I could determine if I was " eligible '' for a lower payment. I told him I was in the process of applying for a mortgage and would appreciate a monthly payment increase that was not close to 80 % for budgeting purposes, as an increase that large is quite a shock. You 'd think this would be a good thing for the company because by lowering the payment, you extend the life of the loan which means Navient gets more money. Wrong again. His quote to me was " we are n't going to lower your payment just so you can buy a house ''. I found this to be very insulting. Also, this supervisor advised me that my new monthly payment XX/XX/XXXX would be {$610.00} per month, not the approximate {$570.00} that was written in the letter I received. He could/would not give me an answer about the disparity. He then went on to ask why I ca n't pay the higher payment, I said because I have other obligations and life gets in the way, an 80 % increase is quite ridiculous. He then asked me why my co-signer ( my XXXX year old grandfather ) could n't make a part of the payments. I understand that he is the co-signer and is legally responsible for the debt if I default, but I am not going to ask my co-signer to pay for a part of my loans, he 's done enough by applying jointly with me. We finally did the financial analysis and he basically said " from what you 've told me, you can afford the new monthly payments, there is nothing we can do for you ''. I 've attempted to consolidate with other companies, solely for the purpose of getting away from their terrible customer service, but I 've had no luck finding a lender willing to take on that high a balance. The way they operate is sickening but unfortunately, I do n't have any other options at this time. | ||||||
| 05/15/2015 | Yes |
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| I 've tried for the last XXXX months to work out a lower payment plan with my loan provider, Navient. Every time I called to arrange a smaller payment, they denied me claiming that I had a forbearance left, but in order to do that, I had to pay the {$50.00}, which is just a fee to get them in forbearance and does n't even go towards the loan. I expressed to them that if I had the {$50.00}, I would pay it but I do n't have it. I make slightly above minimum wage, pay all my rent/utilities/insurance myself and they were asking for a payment that was XXXX of my monthly income. The initial representative was very rude and disrespectful. After he refused to help me arrange something, I had asked to speak with a supervisor, in which he then told me that " all the supervisors have left for the day '' ( mind you, this was at XXXX-during business hours ). He then said ... and I quote, " Monster.com is showing over XXXX listings in your area within a XXXX mile radius, sometime people have to settle working a job that 's not in their field. '' Of course, this upset me more. Not only is he insisting that I need a job ( I have a job, the same XXXX for 3 years now, that 's in my field of study ), but he 's also convincing me to work somewhere else, when I 'm {$67000.00} in debt from a college education. Why XXXX would I work fast food or work for minimum wage, when I 'm qualified to do more. That 's just ignorant. Maybe if I was jobless, I could understand but I 'm not. I was n't asking to stop making loan payments, I was simply asking for Navient to lower my loan payments to an amount that I can manage so they do n't go in default. After multiple attempts to do this and numerous phone calls to Navient, they always had a reason on why they could n't lower my payments. I obviously wanted to avoid default, but to no avail I was stuck sending them the minimum amount that I could afford, which was $ XXXX/month. The loans ended up going in default anyways and continued to acquire late payment fees all because they refused to work with me on my financial hardship. Finally, after trying for at least 6 months to get a lower payment, one representative connected me with a supervisor who was able to set me up on arrangement for $ XXXX/month ( which was the lowest ) for 12 months. By this time, I had already reported them to the XXXX obviously due to my frustrations and horrible service. They should have been able to better assist me in my hardships from the very first phone call. After successfully making the first payment, I had again contacted Navient to get a letter of verification of my payment plan in order for me to send to the Department of Social Services. I needed to provide verification of the amount in which I pay, and the percentage of the payment that goes to interest, the loan itself and the fees. Again, I was given the run around by the employees, in which this time they claimed that I wo n't get verification until after making XXXX successful payments. I currently still receive a monthly bill in the same amount of the original payment, the bill in no way reflects what the plan that they supposedly put me on, thus not giving me any verication to send the state. Navient had caused extreme distress for me, not only mentally but it 's pure exhaustion having to deal with a rude, disrespectful, unwilling, insufficient company and it 's employees that lack empathy and understanding. Before XXXX switched over to Navient, I never had problems. Since the switch, Navient and it 's employees behaviors are appalling. For a company that has complete control over my financial obligation and student loans, they have the absolute worst customer service and have done nothing to better my financial obligation and help with my situation. The fees that they are charging me to take care of my loans, is upsetting to say the least, when it comes to the kind of service I am, and have been receiving from Navient | ||||||
| 12/23/2020 | Yes |
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| To Whom This Letter May Concern ; I am writing this letter seeking consultation as it pertains to an issue I am currently having with the servicers of my Federal and Private Student Loans, Navient Solutions. Below you will find all of the factual information that I have been able to gather to date. This information has been gathered from my own personal records, multiple phone calls and/ or online databases. Attached to this letter I have included all of the available information that I have, as it pertains to this issue. This information includes but is not limited to current account summaries, documentation of telephone correspondence, signed agreements, contact information for all parties involved, definitions of terminology used and legislation that pertains to this issue. Lastly, I have included my personal statement regarding this issue. If by chance I have neglected to include any pertinent information please do not hesitate to contact me for clarity. I thank you in advance for taking the time to review my complaint and do hope to hear from someone in the near future. Statement of Events ( Most Recent to Most Distant ) : - XX/XX/XXXX : XXXX reviewed his Navient.com account to find no changes had been made. XXXX checked his physical mailbox at XXXX for any correspondence from Navient and/ or Navient Solutions. No communications or updates from Navient was found. - XX/XX/XXXX : XXXX spoke with XXXX XXXX University, Financial Aid Advisor XXXX, regarding Federal Financial Aid and the rules and regulations that govern the program/s. The following information was gathered during this conversation Private Student Loans are not part of the Higher Education Act of 1965 or the William D. Ford Federal Direct Loan Program, ( Ref : DA Form 3286 page 3 to see how this information applies to this complaint. ) Private Student Loans are not covered under 20 U.S.C. 1087aa ( Federal Perkins Loans ) Navient, serving as a loan servicer to Private Loan lenders, is not covered under any of the aforementioned programs and/ or legislation. - XX/XX/XXXX : XXXX spoke with XXXX ( XXXX ) a member of the Escalation Team with Navient Solutions. The following information was gathered from this conversation. XXXX was able to see payments that were made through XX/XX/XXXX. Payments from the Department of Defense or other government agencies are not legally able to be applied to Private Student Loans. At least ten ( 10 ) payments, made on my behalf by the Department of Defense between XX/XX/XXXX and XX/XX/XXXX, were applied to my Private Student Loans. XXXX is told that a statement will be provided to him via mail that will include all account activity within 7-10 business days. - XX/XX/XXXX : XXXX spoke with XXXX ( XXXX ) a customer service representative with Navient Solutions. The following information was gathered from this conversation. My Private Student Loans went into a Charge Off status on XX/XX/XXXX. My account reflects payments made between XX/XX/XXXX and XX/XX/XXXX totaling {$36000.00}, all of which were applied to my Private Student Loans. XXXX is told that a statement will be provided to him via mail that will include all account activity within 7-10 business days. - XX/XX/XXXX : XXXX gains access to his Navient.com account to review all current loan information. - XX/XX/XXXX : XXXX gains access to his StudentAid.gov account to review all current loan information. - XX/XX/XXXX : XXXX retrieves his original, signed DA Form 3286 Statement of Enlistment which includes the qualifying language of the US XXXX LOAN REPAYMENT PROGRAM. - XX/XX/XXXX XXXX is contacted by the Financial Aid Office of XXXX XXXX University and was informed that he has depleted his Federal Financial Aid. - XX/XX/XXXX XXXX signs DA Form 3286 ; Statement For Enlistment United States XXXX Enlistment Program. This document establishes XXXX enrollment in the US XXXX LOAN REPAYMENT PROGRAM. | ||||||
| 02/21/2017 | Yes |
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| I recently visited with one of your agents about my current and ongoing financial problems and requested some help in paying on my inflated student loan. This was in XX/XX/XXXX. They told me that because of my recent Bankruptcy, filed around XX/XX/XXXX, that they would grant me a deferment with no penalties until XX/XX/XXXX.I told theur I needed some help in reducing the payment due to my financial condition. They offered no option at that time only that I need not worry until XX/XX/XXXX Unfortunately I believed your agent. I recently received the updated payment schedule, included as exhibit A, and was once again very concerned as the payment went up from {$310.00} to {$340.00} as the result of accrued unpaid interest of {$500.00} and an additional {$20.00} monthly late fee that is reflected in all payment until the loan is retired whether payed on time or not. I am not an accountant but you have effectively inerease your yield with these charges over the years and now once again. These charges are unacceptable and possible illegal and contrary to what the agent told me as are all the promises through the years. You have been doing this same thing to me for all the life of the loan since you took over in XX/XX/XXXX. The result is that you have increase the principle on the loan from {$23000.00} to {$38000.00} and made it impossible to pay off in my lifetime. This is a similar problem I had with XXXX I do n't have the exact numbers, due to a loss of all my records, but the original loan was less than {$9000.00}. I have asked for help with the repayment on more than several occasions and have been lied to as to giving me a deferment with no interest and in several cases told to fill out the forbearance form because the defennent form was not available on line and they would make the necessary changes to the form to make it a no interest deferment with no additions charges. They said that all they needed was my signature to get it started so do n't worry about the form. I have some additional as to your possible illegal practices over the years that have increase the principle to such an uncontrollable number listed below. Just makes me wonder how many thousands of others you have held XXXX with your un ethical practices. You have always strong armed me into pay more than I can afford with your vague conversations, lies and insisting I fill out forbearances as opposed to deferments telling me there were no other available options or offered any other options to pay back the loan. I told you that I had limited finances and would need some help to work out smaller payment and reduced over charges. When I told one of your agents that I would never be able to pay off the inflated loan because it was taking a very large percentage of my small income. He responded that I needed to figure something out as they would do whatever it takes including garnishing any income and taking away my social security benefits as my welfare is n't as important as you getting your interest money due you. Your continued lying, or giving me misleading information, doing anything to increase the principle and constant phone badgering have cause me to be in a constant state of fear. I feel I have no safe harbor and will die living on the streets as a result of you taking any income I may be able to generate from my current age of XXXX until death as well as my social security. As you know I ca n't afford an attorney to represent me in this matter but would request you consider offering one of the options below. Forgive the loan in full, as the bulk of it are over charges and interest you have been able to add on. As I said the original sehool loans were less than {$10000.00} in my estimate. Forgive any part of the loan you have applied to the original loan since you took over leaving me with a principle balance of {$23000.00}. which was inflated from around {$10000.00}. by Fannie Mae, allowing for | ||||||
| 07/17/2019 | Yes |
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| In XXXX my private student loans were put into a temporary repayment plan with a lowered interest rate that I qualified for because I was having some issues paying because I was out of work due to health issues. I had 2 automatic payments that Navient set up to pull from my checking account, one for my federal loans through them and one for the rest of my loans ( private ). In XXXX I found out that the Navient team member I spoke with inXX/XX/XXXX 2019 did not put the rest of my loans into the other payment as we discussed, but only 2 of them so I had 2 loans that had not been paid from XXXX. I called and spoke to that same employee on Wednesday XX/XX/2019.XX/XX/XXXX She told me that he manager was out and would need to listen to the conversation recording from when it was set up ( only management has access ) when she returned to the office on Thursday XX/XX/2019 and it should be resolved by the next day Friday XX/XX/2019 and that if it was in fact Navients fault ( the Navient team member also specifically said her fault since she was the one I initially spoke with in XXXX ) Navient would bring the loans current. I did not hear anything on Friday or the following Monday, but on Tuesday morning XX/XX/2019 my father and co-signer received a letter in the mail that legal action was going to be brought against him for the unpaid loan amounts, despite the fact that I was actively working on getting the situation resolved. I called Navient immediately and spoke to another manager. The manger was very rude to begin with and never let me complete a sentence. I had to ask him to stop speaking over me and listen to me complete my full thought before responding. It a appeared that absolutely no research had been done into finding a resolution to the issue and the manager I spoke with, XXXX, told me that I would need to pay the back money even if it was Navients mistake. I told him that if it was a service issue where an employee of his company made an error a customer should not be penalized. My father in the meantime called and made the payment afraid of legal and credit rating issues. I asked them to refund my father and they refused. I was told they would look into it and get back to me. I asked for a call back by the end of the day. I was told it takes 3-5 business days. It had already been a week since I had first call so I said it had been 3-5 business days so again I would appreciate a call by the end of business today. I did not receive a call back. But another manager did call my father an additional time yesterday to ask him once again to pay the money that 1. I am actively working on getting resolved if they read any of the notes on my account and 2. He had already paid earlier that morning and I was trying to get it refunded to him. Ive had nothing but issues with my student loans since I started paying them back but this situation is ridiculous. Theyre harassing my father. Theyre telling me different stories depending on who Im talking to. Theyre expecting me to have to pay for their mistakes. This is not how a business is run. I called today XX/XX/19to follow up because I want my father refunded and this resolved as soon as possible but I was told I couldnt speak to the person I spoke to yesterday because he was eating lunch. I understand you have to have your lunch break, but what type of corporation is so unprofessional that they actually share that type of information with customers. I asked to speak with the managers supervisor but I was told they dont take calls. Theyll call you every day if they want your money, but when theyve made an error, which I can forgive because we are all humans, they cant even give a call back to even say we are working on it to give some type of Customer Service when Im clearly very upset and trying my absolute best to get it resolved ASAP. This is the worst company Ive ever done any business with either personally or professionally. | ||||||
| 03/02/2017 | Yes |
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| The balance of my student loan is {$90000.00} as of XX/XX/XXXX. However I only borrowed {$20000.00} between XX/XX/XXXX and XX/XX/XXXX. I graduated from college in XX/XX/XXXX. After that XXXX purchase and consolidated my student loan. I paid on my student loans until about XX/XX/XXXX. I had a car accident XX/XX/XXXX which made it difficult for me to work so for the next few years I worked different jobs and requested forbarance. I also moved to a different state. My Student loans were not in good standing between XX/XX/XXXX to XX/XX/XXXX. I forgot to ask for forbearance. XXXX did n't have my phone number or address and I did n't have XXXX 's phone number or address after moving to a different state. In XX/XX/XXXX I finally found a nice job. XXXX harassed me with multiple phone calls daily until they garnished my wages leaving me almost unable to pay my bills. I asked them for a reduced payment amount, they were never able to give me a payment amount that I can actually afford. After they garnish my wages I still was n't able to make the minimum monthly payment because the monthly payment had gone up to about {$500.00} a month which was over a fourth of my monthly income. I heard about that Obama student loan forgiveness program. I call to see if I was eligible. I was told that the student loan forgiveness program sets a monthly fee based on your income and you pay that set monthly fee for 25 years and after 25 years, your loans are forgiven. I was told that my minimum monthly payment could be lowered to around {$200.00} which is much easier to pay them {$500.00}. The company Navient started calling me. I was told that I no longer qualify for a deferment or forbearance by Navient. I asked about the income-based repayment program. The person I spoke to set me up on the income-based repayment program and based on my income the payment would be {$82.00} a month. I was ecstatic. That 's absolutely a payment i can afford. After I was approved for {$82.00} a month payment, I was placed on a three-month forbearance. Once the forbearance ended, I started making the {$82.00} a month payment. I missed a month or two of payment so I called Navient to make payment arrangements to catch up on my payment. At that time I was told my minimum payment was no longer {$82.00}. The monthly payment is now over {$800.00} a month. Then I was told that I had to re-qualify every year for the income-based repayment program. I was also told that because I had a three-month forbearance after being approved with {$82.00} a month, I only had nine months to pay the {$82.00} a month, not 12.I was not told before becoming approved for the {$82.00} a month payment that it was only for a year from the date it was approved. I sent in my taxes and filled out paperwork to re-qualify for the income-based repayment program. Instead of being placed on the income-based repayment program again, and I was placed on forbearance. I called and asked why was n't I sent any paperwork to confirm the new monthly payment which had now been set to {$77.00}. I was told by someone at Navient there was nothing in the system showing that I had re-qualified for the income-based repayment. Now my minimum monthly payment is over {$900.00} which is about half of my monthly income. As of today XX/XX/XXXX I still have not received any documentation showing that I have been placed on the income-based repayment program confirming my new minimum monthly payment. From the time that I originally asked to be placed on the income-based repayment and was told it was {$82.00} a month, the balance on my student loan has gone up {$30000.00}. I tried to apply for a car loan and was denied due to the the balance of my student loan. I do not believe Navient should be trying to collect {$90000.00} from me after numerous attempts on my part contacting XX/XX/XXXX and Navient to try to get a payment I can afford. i would like the remaining balance forgiven. | ||||||
| 03/23/2018 | Yes |
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| I am submitting a complaint about XXXX XXXX XXXX XXXX company. I believe that Navient and XXXX XXXX ( XXXX ) deliberately played three-card monte with my loans to keep them out of the consolidation long enough, until the purchase was completed. ( Navient purchasing XXXX loans ) Then they kept them out to take my tax refunds and raise the dollar amount of my loans, even though Navient already had the consolidation money for the loans. Back at the beginning of the year XX/XX/XXXXmy application for consolidation was accepted. I was sent notice that all 25 loans that I have will be consolidated under My XXXX and the funds were disbursed on XX/XX/XXXX. All was good and I was starting to make payments. Then I started receiving nasty letters from collection companies. I was very confused on what was going on, so I started to make some phone calls, but really was never given an honest answer on what was happening. Just that 7 loans were no longer in the consolidation. ( A Detailed time-line and Documents attached to show you what they did and didnt do over a one year time span ). I called almost every month for a year now, for updates on getting those loans back in the consolidation and every time I get the same run around. But they did pay 2 out of the 7, so now its 5 loans. I dont understand why this has continued for so long ( one year ) when it appears they have had the money the whole time. My dollar total never went down enough to reflect 7 loans being pulled out, not even 5 loans. Through my investigating I found out that the company that they say they are waiting to get money back from, so they can pay for the 5 loans to get them back into consolidation is the same company that has been servicing those 5 loans since last XX/XX/XXXX. So why wasnt it fixed then? Wouldnt that have been a wash? Why did they take my Tax refunds? I called again two weeks ago when I found out that I lost my tax refunds and the gentlemen from My XXXX first said all your loans are consolidated I said really I am being told that 5 loans are still out. So why did they take my tax refunds? He replied well, you did your taxes too soon, because it looks like we are getting more money back from Navient I said hindsight is 20/20 and no one told me to wait, so how would I even know what was too soon. I did everything the way I was supposed to. The way I was instructed to. All my loans were covered under the consolidation. Then the rug was pulled right out from under me and they took my tax refunds which should have never happened if my XXXX did everything right and/or corrected the problem right away. This is causing a great financial hardship losing my tax refunds. This was the only way I had to get caught up on the larger winter gas/electric bills and other bills I promised to pay. Now I will be facing shut-offs/disconnects and I will lose my car. I would like a total investigation of the last 14 months of my student loan consolidation to find out who is responsible for this full circle craziness that has cost me my tax returns and has harmed my credit even more then it was. I would like all 25 loans reconsolidated under one, and at the correct dollar amounts. The Original XXXX I would like to get my tax refunds ( {$1400.00} ) back because they should have never taken this in the first place if this was handled correctly months and months ago. Now by keeping these loans out longer, has increase my total of loans by XXXX. Original consolidation was {$75000.00} and if they are all consolidated today it will be over {$83.00}, xxx.xx on one document and {$84.00}, xxx.xx on another document, for the same 25 loans. I only borrowed {$57000.00}, funny how that works. I need someone to really look into this to find out why this happened. Someone who will look at all three companies not just XXXX XXXX I sent every document that was sent to me to make research a little easier. Can you help me? | ||||||
| 03/07/2017 | Yes |
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| I was steered into a deferment program and was not informed I 'd be accruing interest during the deferment period. I was not informed of any other repayment options. Payments were misapplied on days other than automatic payment that were applied to interest and not principal balance. A loan I was set to pay off in a couple years was put into a long term loan without permission ultimately causing me to pay so much more in interest over the years. While enrolled at XXXX university I was notified that although I started the semester there was n't enough financial aid to cover so the counselor found private loans to cover the difference, I was not explained interest rates nor was I given any documentation of these loans. I was only sent an email that she was able to find loans to cover my tuition so that I would not be kicked out of school. I just agreed in fear that I would n't be able to attended class and it would put me behind in my program. The adviser never followed up with me to go over my loans nor instructed me of the details of the loans. After graduating, I was harassed by XXXX and told I owed {$8000.00} or I would not get my degree. I had to beg for a payment plan where I paid around {$2000.00} up front then around {$1200.00} a month until it was paid. I started paying my student loan 6 months after graduation but the payment was so high I tried calling to lower it and was told I could n't. So I did n't pay because I could n't and then was threatened and told my loans were in default and affecting my excellent credit. I did n't know what to do until I spoke with someone who explained I could get my loans out of default but would have to enroll in deferment program where I paid around {$50.00} a month for 9 months then there would be a few months until my loans were taken over and out of deferment and I would start paying then. I was never informed I was accruing interest and did not know I had multiple loans with varying interest rates - rates 3x the national rate. I was never explained anything nor given any information explaining my loans and what they all meant. It 's like the computer was orchestrating my finances behind my back. When I got out of deferment my monthly payment was MORE a than my payment I could n't afford. It was around {$800.00} a month ... I paid the first month bevause I was scared I 'd ruin all the work I 'd done in the last year and then when I finally figured out how to access my loans online I reached out to navient and spoke with someone and was able to get my payment lower because I was now a stay at home mom and did n't have an income however the {$800.00} I paid the months before could not be refunded - it we straight to the interest ... which has accrued nearly {$8000.00} since the deferment program. There were also issues with automatic payment setup - it took a month to take affect so I had to pay by phone and then the automatic payment set up on a different day so it calculated more interest since it was a date that navient chose. I reached out to navient and did not hear back regarding this. I feel like navient cheated me and took advantage of me during my weakest moments. I also feel that because of the way they applied payments to loans of their choosing, I was no longer eligible for certain options. I was told I was in a 25 year repayment program however when I had someone look at my account they said it was actually a 30 year repayment program. I 'd like to get all the financial information regarding all my loans that I 've ever taken out, including proof on my private loans that I agreed to what I was signed up for and where those monies went. There seems to be missing money. I 'd like all the information regarding the forebearance and deferment program I was enrolled in and also all the details of interest rates and loan terms. I 'd like someone to look into why I was enrolled ina high payment program after deferment. | ||||||
| 01/29/2017 | Yes |
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| After paying on my student loan for years, I only owed about {$12000.00}. At that time XXXX took over my load and the amount went up, paperwork stopped, and no record of my loan has been available. When I was still in school and did n't have to repay yet, they did n't believe me and put my loan in forbearance. The amount I owed continued to increase even after I was again making regular payments. With no warning, my loan was taken over by Navient. They are completely sneaky and dishonest!! E-mails with important changes & time sensitive information to your loan arrive from a different name and end up in your junk mail. When they took over my bill went from {$300.00} a month to {$500.00} a month!! I had automatic debit payments, so the larger amount got taken out without me even knowing that there had been a change to my loan! It took months to try to get through all of their hoops - website links that do n't work, e-mails that get sent back and/or connect to nothing, phone numbers that ring indefinitely, or phone numbers that suspiciously reroute you through a series of completely different numbers until you are talking to someone from XXXX who assures you she is there to help. I tried to stop payments, and cancel automatic debit payments, but ironically none of those links and buttons on their website work! Finally I was able to send in ALL of the paperwork they requested ( apparently, I somehow kept sending them the " wrong ones '' even though those were the ones they had assured me would work... and of course they continued to take their money out of my bank ). For one year, the payment was back down to {$300.00}, but oddly enough the amount I now owed them was up over {$80000.00} and increasing every month! They also split my loan into 2 parts and paid a fraction to each one out of my monthly payment. In the spring of XX/XX/2016 I happened to be cleaning out my " junk mail '' and fortunately saw an e-mail that was from Navient. Suspiciously again, when all of my e-mails from them automatically sort into my " Bills '' folder, somehow this very important e-mail came from a different name and went into my " junk mail. '' It stated that my monthly payment was going to go up to {$900.00}!!!!!!!!!! I went through all of the rigmarole again. For months I 'd call to make sure that I 'd filled out the right paperwork, and the nice lady from XXXX would assure me I did n't need to worry & my payments would remain at {$300.00}. Then I 'd call back and the recorded voice would say " your next payment of {$900.00} is due on ... '' Ugh!! This continued for several months. Each time the woman who happened to answer would assure me that everything was perfectly fine and to ignore the recorded voice. Not trusting them at all, I tried in vain to cancel automatic payments again - again, clicking in circles and/or broken links!! Finally, I went to my bank to find out how I could stop the evil Navient company from taking out {$900.00} without my consent. They said my only choice was to close that bank account. So in sheer desperation, I did. That bank account though, was linked to another account ( in case of overdrafts ). And even though I called and talked to Navient the night before the payment was due, and they once again assured me that the {$300.00} was set in place, I woke up the next morning to an empty bank account. Navient tried to take out {$900.00}! Since the account was very recently closed and at a XXXX, it kicked it open and wiped out my 2nd account! Fortunately, the bank was on my side and fixed everything. I called Navient and told them that I was done- I could n't deal with their lying, sneaking and cheating anymore! I would n't be paying them another dime. They told me that they had tried to help me, but I had sent them the wrong paperwork. Ugh!! ( btw- I have also taught at a full Title 1 school for the past 18 years which should have wiped out my loan anyway ) | ||||||
| 03/01/2017 | Yes |
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| I XXXX college in XX/XX/XXXX. I then had a grace period of six months before I had to start paying on my student loans. Just at the end of the six months I started an XXXX program so my loans went into deferment and at the end of my XXXX career the company I was working for paid all of the interest that had accrued during my deferment. All of my monthly statements I received via email leading up to the end of deferment and after, all had a due date of XX/XX/XXXX. I started paying on XXXX of my loans in XX/XX/XXXX so I could get ahead. As I made these payments via echeck, I had to call Navient to have the money reallocated to go towards XXXX loan since I was paying early and wanted to pay the XXXX loan down quicker. I sent Navient a note before I started paying telling them how the money should be allocated but they did n't refer to that note and did it incorrectly. One of their representatives told me if I wanted to send in a written check, I could add in instructions on an XXXX piece of paper stating how I would like the money allocated. I did this and it was still allocated incorrectly. On XX/XX/XXXX I called Navient customer service to see why there were transactions on XXXX of my loans going to interest even though I had told them all of the money up until XX/XX/XXXX should have gone to only XXXX loan. As they were looking into it, she informs me that I was supposed to be making payments since XX/XX/XXXX. I told her that every email I had received had a date of XX/XX/XXXX for repayment to begin. She told me that that was n't what she was seeing and my money would have to be reallocated to cover the previous payments that had n't been paid starting in XX/XX/XXXX. She also told me that every time I called to have my money reallocated it was making me late on payments on the XXXX other loans. I asked why their representatives did n't make me aware of the issue when I was calling to reallocate and her response was " yeah, I asked myself that same question ''. I also asked if I had been charged late fees since I was apparently delinquent on my payments but she told me that I had not received any late fees. I made my XX/XX/XXXX payment as an echeck through my credit union. I processed it on XX/XX/XXXX and it was supposed to get to Navient by XX/XX/XXXX. I called Navient on XX/XX/XXXX because the money for the payment had been taken out of my bank account but had not posted to my Navient account. The representative told me I was going to have to check with my bank but until that money showed up and until funds were reallocated to cover my payments I missed starting in XX/XX/XXXX ( they all seem to believe I was supposed to start paying in XX/XX/XXXX but that was not communicated to me ) they were going to put my account on forbearance, which I did not want. When I called Navient on XX/XX/XXXX with my dad to try to get some answers, my money magically appeared to my account that day but the representative said they received it on XX/XX/XXXX. My dad, the cosigner on my loans, called Navient after they put my loans on forbearance to get some answers. They had no answers for him. During this phone call he found out that they had my grandma and my aunt as the cosigners instead of him. The only reason they had my grandma and my aunt 's names was for the point of contacts they asked for. I told them I have documentation that shows I was told to begin payment XX/XX/XXXX and I could upload that documentation to my account ... of course they make it very hard to find where to upload it. The info we have is that they believe I was supposed to start paying in XX/XX/XXXX, they are reallocating payments to cover payments I missed starting in XX/XX/XXXX because their representatives did n't tell me when reallocating that I was becoming delinquent on other loan payments, my loans are now in short term forbearance, and they told us " we 'll have back of house look into it ''. | ||||||
| 08/20/2016 | Yes |
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| My federal Pell grant loan is in an income based repayment schedule, however the company servicing the loan keeps losing my income statement forcing me to continue making regular payments or pushing a forebearance which keeps pushing the payment amounts up. Every time I submit an income statement to the company, the application is received but then lost by another department that the company can not contact through any means of communication. I literally glued my last income statement to the most recent application and though they received my application, it was again lost ( the whole application this time ) and so they needed another income statement. I tried using their document upload on their website, but the terms of use agreement required consenting to so many abusive agreements, like using only a web-browser they support, authorizing parties to generate loan documents using my signature on file, installing products furnished by third-parties, the company may use data for other services, consent to the disclosure of my non-public personal information by the company to its unaffiliated third party service providers for purposes of marketing to me products and services offered by the family of companies, that I consent I will, at my own expense, be responsible for acquiring and maintaining all equipment, software and communication access necessary for me to use the website, that the company reserves the right to modify or discontinue, temporarily or permanently, the terms of service for any reason, at its sole discretion, with or without notice to me. I agree that the company likewise may change the terms and conditions of the terms of service from time to time with or without notice to me and any amendment shall be effective immediately with or without notice. So I do n't feel comfortable agreeing to abide by such abuse terms of service. But the company is not holding itself accountable for losing my income statements to make fair payments on my loans. Now, the company reclassified XXXX % of my loans into private loans somehow and sent that percentage to a collection company. I have been asking for weeks for any kind of documentation from the collection company, and as result the company would hang-up. Literally, they wanted me to send a money-order or cashier 's check to a PO box for nearly {$3000.00} or give them my account information over the phone, and when I stated I just needed a document that demonstrates this payment is to resolve a student loan they 'd hang up! I finally got a 'manager ' from the collection company on the phone who stated they would send a document, only if I agreed to pay the loan by a deadline. I stated it would likely take several months or more depending on other relevant financial issues ( I am currently unemployed, and only member of the household able to generate an income ) the 'manager ' stated that over {$2000.00} was required by the end of the month for them to send any documentation concerning the collection! It seemed utterly unrealistic! I 'm just trying to get documentation from a collection company about a loan I 'm willing to repay when I get employed, even trying to get onto a income based repayment plan, and neither company servicing the loan is interested in adequately assisting in fulfilling reasonable requests to make the process possible! One company is losing documents mailed in, even stating they were received but subsequently lost or misplaced. The other finally sent me a document concerning collection after weeks of asking, I received it on XX/XX/XXXX and they want {$2000.00} by XX/XX/XXXX including {$170.00} in 'collections costs '. All I 've ever done is requested documentation this debt was being applied to student loans and they 're charging me {$170.00} for that! How am I supposed to come up with over {$2000.00} in 10 days!?! This does n't seem to be a fair way to handle servicing of student loans! | ||||||
| 07/18/2022 | Yes |
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| Navient Phone Representative account data is in conflict with Navient 's Web Account data and StudentAid.gov data. From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XX/XX/XXXX To : XXXXConsumer Financial Protection Bureau -Navient Web Account Upload Customer Service -Navient Advocate I was legally advised to kindly attempt different forms of communication with you, to clarify again, the current situation with the differences in my account, still yet as of XX/XX/XXXX. I will provide this communication in two methods because speaking with a Navient Representative has not been effective by phone. Navient Phone Account Representatives seem to have different data for my account compared to my Navient Web Account, Navient Email System Confirmations Received, and StudentAid.gov IDR confirmation. In XXXX, I logged into my Navient web account, which had me residing in XXXX XXXXXXXX XXXX XXXXn I lived in XXXX, XXXX. The phone number was also incorrect. I called the phone number, which was owned by a male, father. I spoke kindly with the man over the phone. His younger daughters address and phone number was in my Navient web account. I never resided at this XXXX XXXX, XXXX XXXX address and never had this mans phone number ever in my life. I was able to clear this up through my Navient web account and informing a Navient Rep by phone of the corrections. ( I have image snapshots of this wrong data in my logged in account on a USB. ) In XXXX, I had a XXXX student loan from XXXX XXXX University in my logged in account, however, I never obtained a degree from XXXX XXXX University XXXX It took me until XX/XX/XXXX to get this data removed from my account. I reached out to XXXX XXXX University Financial Aid, Treasurer Office, and Legal Counsel. I also reported the loan to Navient several times from XXXX until XX/XX/XXXX. It took me 1 year to remove this wrong data in my Navient web account because of this dispute between Navient and XXXX XXXX University. ( I have numerous emails and image snapshots of this data in my logged in account on a USB. ) Now, after making the latest verbal phone conversation to Navient XXXX XXXX at XXXX and Navient Representative XXXX XXXX at XXXX, and according to their account data about me and managing my account, XXXX HAS NOT BEEN LOGGING INTO HER NAVIENT WEB ACCOUNT AND MANAGING IT, NO PAYMENTS ARE ON FILE. I have tried numerous attempts to kindly communicate to Navient verbally that I have been making payments, I am in IDR, and I have provided them with a complimentary approved confirmation of the IDR from studentaid.gov in the Navient upload system in my account. I uploaded the approved IDR files into my logged in web account in XX/XX/XXXX. ( I have numerous emails and image snapshots of this data in my logged in account and from StudentAid.gov IDR process steps on a USB. I have an approved IDR confirmation from StudentAid.gov which was also provided to Navient uploaded system with a Navient system confirmation from XX/XX/XXXX. ) See previous receipts in CFPB system. Currently, I am attempting yet again, to get my Navient web account up to date. I am missing payments, I continue to kindly communicate my IDR, I have paid off 2 private loans and 1 federal loan, I have made small federal loan payments. However, Navient Phone Representatives keep telling me they have no records of me even logging into my account. Navient has no activity linked to my account??? ( Verbal Conversations took place on XX/XX/XXXX, XXXX. ) I am now under the care of my doctor for XXXX and have been sick due to nerves. I constantly feel like I have to vomit all the time. I had an outbreak of XXXX XXXX on the outside of my mouth after talking to Navient last week, which I have not had in many, many years. The mismanagement of my account and incorrect data is having a negative physical effect on me mentally and physically. Sincerely, XXXX XXXX XXXX | ||||||
| 01/19/2017 | Yes |
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| This is a response after seeing an article in the XXXX. XX/XX/XXXX I graduated XXXX in XXXX, at that point I realized in 6 months I would have to start paying back almost {$1000.00} a month to Navient ( XXXX XXXX at the time ). I decided to take this seriously, my father is a cosigner on the loan and I did not want his credit to be affected. Also I wanted to payback my loan and be out of debt. However living in XXXX would be too expensive. I decided to move back home to upstate XXXX with my parents, away from the place I was most likely to receive jobs in my field. The other problem I would face is that working in this industry most of the time potential employers would expect someone new in the field to work for free for the first year or so. This was n't an option for me, I knew I had to work hard and fast. A month after moving back home I got my first job on a small movie, no pay but the experience and people were amazing. From working hard and making the right impressions, one of the producers hired me on another small film, again no pay however that job lead to another one that was paid. {$250.00} a week for a month which is n't too bad and I would have had that {$1000.00} however I also had a car payment and insurance. Now I had one month left to start paying back my loan and I had pretty much a few hundred dollars to my name. I had gotten another paid film job after the first one but it still was n't enough. I ended up calling XXXX to discuss any options I had, the first one being a forbearance. I was told pay {$50.00} and delay your loan payment 3 months ( with added interest of course ) I had no other options so what was I going to do? Three months later I 'm struggling to find a job in my field, using the money I had for gas or train tickets to interviews, I was then again forced to forbearance my loan. This happened a few times, XXXX eventually offered me a reduction in my loan payments to about half of the initial payment ( about {$500.00} ) which basically I was paying the interest and not touching the principle. I was forced to get a part time job at a local retailer, eventually getting XXXX to XXXX jobs at certain points. Flash forward to XX/XX/XXXX, my reduction plan ended and again was expected to pay close to {$1000.00} month on top of my rent, car payment, insurance, and other bills. I called up Navient to discuss options, as I was willing to pay on my loan however I could not afford the {$1000.00} a month. I then took a financial statement over the phone to where the woman on the phone offered me a {$600.00} a month payment option which I was willing to take but only if I could get my dad to call in and do a financial statement so they could have it on record. I said sure whatever it takes ... after my father calls gives his financial statement they tell him he makes too much and tries to collet the {$1000.00} payment from him. My father WAS doing well the year before however at the beginning of XXXX he got hit with financial issues which he had to disclose with me because of the loan situation, by the way not something I wanted to know. I called Naivient back to let them know I 'm the only person paying for this, why was I lied to about the {$600.00} payment then ended up in a yelling match over the phone where the only thing coming out the operators voice was " your father makes enough money! '' and I do n't yell. A week later I decide to pick up a call from Navient, told the operator everything that happened and even told him I 'm not destroying the relationship with my father over a student loan/my education. The operator agreed and then offered me 3 options ... and we figured out a 4th option. Where were these options before? Why was I XXXX for a month? and how come I 've paid back {$30000.00} plus in interest and never touch the principle? I do n't mind paying my debts but how much money does this company need to make off my education? | ||||||
| 04/22/2015 | Yes |
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| Currently I am in debt with student loans of more than {$480000.00}. I am about to graduate medical school, working XXXX hours a day and ca n't have my loan repayment started. Last year I filed a complaint against XXXX XXXX ( now renamed Navient ) which had been calling me nonstop regarding my student loan repayment because I had reached the end of my " in school deferment '' I explained to them I was a full time student who travels to different cities for rotations across the country. I could not afford $ 350+ per month for this massive debt without a job and without an income. My credit was destroyed to a very low score ( I had been misinformed about their credit reporting ) and it was then when I contacted CFPB to help with my situation. In less than 24 hours XXXX XXXX called and I was pleasantly helped with their Customer Advocate Team who went beyond my expectations of helping my situation! In our agreement, I was enrolled in a Repayment Program in XX/XX/XXXX and was required to make XXXX payments to be part of the program. However, in our conversation, I was told " All I have to do is make the XXXX payments, to bring my loans to current, then I will not need to pay until I graduate medical school. '' In their documents, it stated I had reached the maximum in school deferment period for their loans but they said, " they will make an exception. '' in our calls. They also agreed to retract their credit reporting. Again, I paid 3 consecutive months with my MasterCard to bring my account current and I was approved to extend my deferment. If this was a misunderstanding on my part, then it does n't make sense, that after my XXXX payments, the calls stopped, my credit went back to XXXX, and I did not receive any notices from XXXX XXXX for the next 6 months. Then when XXXX changed its name to Navient, I started getting emails and calls about how I am in jeopardy of defaulting and in jeopardy of losing my " Repayment Program ''. They also gave me automated emailed stating " This email is to confirm that based on our conversation, etc '' when I had not had a single conversation with any agent. When I emailed them back that I did not have to pay because I was made an exception till I graduate medical school, their reply was to call their business. When I called, they had no idea what I was talking about, as if I was making all of this up and my credit in the meantime was DESTROYED. I then realized that the same MasterCard I covered the XXXX consecutive months was being charged for additional months WITHOUT my approval. Naturally, when that credit card went over the limit and Naveint began reporting me. The Customer Advocate Team member was very supportive in their effort in helping me and I applaud their work which is why I do not understand why there has been such a big misunderstanding. I also am not allowed to reach that same helpful agent through email or call, that was part of my original case to clear up the situation. I 'm about to graduate medical school soon, and have tried real hard to keep my head above water with my {$480000.00} school debt. My residency is about to begin in XX/XX/XXXX and I am to relocate to a different state. I recently applied for an apartment but was denied because my credit score had dropped more than XXXX points. I checked my Equifax report ( XXXX XXXX ) which said I was " 90 or more days overdue '' of more than XXXX reportings from Navient. All this time I had been assuming Navient and I had reached an agreement, but unfortunately not. Again, I reviewed Navient 's documents which does NOT match with the VERBAL AGREEMENT per my call with the Advocate Team. The agent assured me that these are " just documents to look at '' and " they will make an exception and everything will be taken care of. '' I was very happy and satisfied with their help, however these recent events has unfortunately led me to file this complaint. Please help. | ||||||
| 02/06/2017 | Yes |
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| Long story short. Back in XX/XX/2010 : I was in the process of paying XXXX payments in a row in attempt to bring accounts current. I was told if I could complete the XXXX payments in a row this would bring my accounts current and I would no longer have late fees. I noticed the XXXX payment did not automatically come out of my account. I did proactively call to uncover why. My goal here was to ensure the account would be brought up to date with no late fees, etc. I was trying to make good and do my best. The rep did take my payment and did assure me the account was brought up to current status, all late fees removed etc. This was when I was informed the accounts were frozen throughout the bankruptcy. They explained that this was why the payment did not come out of the account. When rep explained to me that accounts were frozen for the duration of the bankruptcy I made him assured me that my final payment brought me up to date, no late fees, and the loan would be the same once the bankruptcy was over. He said yes and made me feel as if I was on the right track with Sallie mae ( Now XXXX ). I was not informed anything about interest continuing to accrued for XXXX years on a daily bases. Why would n't he have told me this when I was checking on status and making sure accounts would be the same after the XXXX years. I am so taken back that XXXX of interest accrued over the XXXX years. The rep assured me account was current and that they were frozen so could not receive payment for those years. I do feel that they did not provide all the details and XXXX % did not tell me about interest accruing over those years. I feel as if they purposely did not tell me interest would a crew daily over the XXXX years of bankruptcy. Why would n't they have let me know this when I was being proactive. I was the one that did call after they were frozen to ensure I was doing my part, etc. I think this was very wrong and was definitely misleading. I feel as if I was misled as he took my payment and assured me the accounts would be the same after bankruptcy. XXXX is the large company here and I feel like they have a responsibility to help its student borrower. Should n't this technicality have been made clear to me as I was the co-signer and not in bankruptcy. I was trying to do my best. Is it normal for a large company to gloss over such an important piece of information? I can not help but feel like this is an example of a large corp taking advantage of someone who did not have the proper information. This could have been provided to me when I called. Why was it not? I am the co-signer on the a few loans. I feel as if the amount of interest and the amount owed is actually incorrect. My father filed chapter XXXX bankruptcy. Sallie mae could have been paid throughout the course of the XXXX year bankruptcy however, filed late for this portion. When they came back to request payment the judge declined as payments were already divided up. I do not believe I should be accountable for sallie mae not meeting the time requirement and missing the initial pay out for the XXXX years. This XXXX years of payments would have decrease the amount owed as well as the amount of interest that would have accrued. Once again : I do not fully understand why I would be liable for this full amount when sallie mae could have been paid the XXXX years and interest would not have mathematically accrued at that rate. I am very upset and depressed about this. As anyone knows : XXXX is a large amount and essentially years of my life The rep could have told me as I was in my early XXXX with no idea. Please help me! I have no clue where to go as my next step ... These are private student loans but did not get removed in bankruptcy as they are " student loans '' however, sallie mae refuses to work with me on refinancing and I also do not qualify for the XXXX year payment plan since they are private. Please help me! | ||||||
| 09/19/2017 | Yes |
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| My original loan debt was about {$32000.00}. I was making regular payments from about XXXX to XXXX. In XXXX of XXXX I got divorced and became a single parent supporting XXXX children on my own. In early XXXX ( about ) financial struggles set in and I had trouble making my payment. I was offered forbearance for several months. It sounded like a great offer at the time so I took it and I continued to take offer after offer to keep my loans in forbearance until recently. The reason I stayed in forbearance time after time because it was so easy to get approved to do this a matter of minutes and also because of my situation as a single parent. From XXXX to about XXXX I was paying over {$1200.00} a month in daycare along with regular living expenses. During this time and into XXXX I experienced several medical expenses including XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX & XXXX, XXXX and XXXX expenses for me and XXXX of my children. Although insurance helped, my policies did not cover any of the XXXX XXXX or XXXX costs and I found myself with a lot of medical debt. I also found myself in a XXXX and sought XXXX help. I got behind on my power bills resulting in having it shut off twice, had several expenses related to a XXXX automobile that was included in the several recalls ( for air bags, shorting of door wires, ignition switches, etc ) then in early XXXX I got behind on my mortgage. Once you are behind and experiencing late fees, etc., it is impossible to get caught up. In XXXX of XXXX I was able to modify my mortgage and things started looking up. I entered a debt management program offered by XXXX XXXX and was able to reach the goal of getting enough debt paid off that I could once again start payments on my student loans. It was during this program that I received a budget counselor who helped me understand that having my student loan in forbearance was significantly adding to the principal balance. I remembered discussing with the servicer that the interest would be capitalized during the forbearance periods, but I thought this would be a minimal amount. Once me and my budget counselor looked into the details of my finances, I realized the principal balance of my loan had gone up to {$52000.00}. With the help of the XXXX XXXX program, I was able to pay down several thousand dollars in debt and finally had enough money to start paying my loans again. At this time, I had applied for the Income Driven program ( which does not consider monthly expenses ) and my payment was just over {$300.00} manageable. Then a couple months later it went up to {$470.00} not manageable. I also made an inquiry directly to Navient asking if I took funds out of my retirement and paid the initial loan amount off, if they would write off the capitalized interest. I was told no, so I followed up with a phone call shortly after to ask again. I talked with someone who was very hard to understand ( foreign ) and very short and not helpful in any way. Out of frustration, I gave up on this hope. I am finding myself once again getting behind and juggling bills. I was tempted to ask for forbearance again when I reached out to a company called XXXX ( XXXX XXXX XXXX ) who were able to present me with an offer to have the government buy the loan for the full amount owed. My monthly payment would be lower and the government would pay my interest for the first 3 years. By signing up for this program I will save over {$62000.00}. I have been approved and have everything in place. I feel this is my only option and plan on signing the documents today. So, my {$32000.00} education would have cost {$120000.00} through Navient, but by entering this program, it will cost {$67000.00}. I need to know who to ask for help to maybe get any additional relief from this increase. I have documentation to verify the hardships I have experienced along with further paper work from Navient if required. Thank you. | ||||||
| 02/08/2017 | Yes |
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| I telephoned Navient on XXXX/XXXX/17 for info on deferring payments on my loans because I was unable to find the info on their website or through an online chat with their rep. Also, because my account is in good standing and I had been approved for a deferral before ( in a timely and smooth way ), I expected the call to go smoothly and quickly. It did not. The automated answering system ( which started out announcing it was training and that the more it interacted with people the more helpful it would become [ I am not making this up. They wanted me to train their artificial intelligence software while I 'm trying to do fianancial business with them! ] ) did not understand that I wanted to speak with someone regarding deferrals & forebearances until I repeated my request with different arrangements of words XXXX or four times. Then the person I was connected to told me my account " is n't current '' (!?! ) so she 'd " be happy to help me ''. I had to ask her several times to repeat what she was saying before I realized she was saying my account " is in current '', at which point I started to wonder if I was talking to another artificial intelligence software program like the XXXX that originally answered their phone or if the problem was simply I was not speaking to someone who had been speaking XXXX to americans all their life. The person I spoke to did not register any emotion regarding my distress over her choice of words and did not change them even after I expressed my concern and corrected her. Before she had come on the line the automated system had asked me to stay on the line after finishing my business and take a customer service survey and I resolved to do so. I answered the questions it asked me and then recorded some of my complaints on the 60 seconds of tape it said it was giving me. I listened to my recording, realized I could be more concise and include more info, but when I pushed the button to re-record my message the computer disconnected my call. So I called the company back and asked for customer service to finish my survey. The automated system kept repeating that unless I told it why I was calling it would hang up on me, so I repeated I wanted customer service, a live person, or another survey. It hung up on me. I called back two more times trying other arrangements of the words " customer service, operator, live person, etc '', but it kept saying that unless I told it why I was calling it would hang up on me, and then it did. So I called again and lied to it, saying I was calling regarding a deferral request, at which point it connected me to the customer service queue. I explained why I was calling and asked to speak to a manager. The rep tried to put me off, said she would be happy to convey my complaint, but I insisted I would like to speak to a manager. She put me on hold for about twenty minutes, periodically checking in with me and each time insisting more strongly that no one was available to speak with me just then, but I told her again ( and again ) I would wait to speak with a manager. Then " XXXX '' came on the line and it was obvious from the beginning that all he wanted was to get me off the phone as he kept saying how much they appreciated feedback, thanking me and assuring me action would be taken ( even before I had told him my story ), yet he kept interrupting me and talking over me while I was trying to tell him what had happened and why I was calling. It was clear to me that he expected me to be intimidated by his rudeness, but I am a XXXX XXXX XXXX woman who has been dealing with my own financial matters for most of my life and he did not succeed. In fact, I told him that my experiences that day as a customer in good standing appalled me, made me angry and I believed it likely that customers not in good standing were probably being treated worse and I would make a complaint to CFPB in support of those people. | ||||||
| 12/09/2015 | Yes |
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| My complaint/report regarding XXXX ( XXXX ) loans for my daughter that attended " XXXX XXXX '' in Missouri and Navients XXXX previously XXXX XXXX XXXX business procedures : e-mails/contacts I receive with subjects like : " Your Navient account information '' I get frustrated because it is very difficult to tell when I am receiving " VITAL '' information when a person is getting inundated with an overabundance of un-necessary contact. For example, because our daughter has " XXXX '' loans with Navient for her term in college, I received XXXX e-mails ( like the one below ) on XXXX XXXX, 2015. All looking the same, with NO critical account number, account identification, or CONTACT information XXXX phone, reply e-mail, etc ) for the Navient " branch/office '' the information is being received from, in the body of the e-mail. I am the CO-signer of a loan, NOT the loan holder. I am WANTING my daughter to be a responsible adult and handle her finances. As a co-signer, I would like to be notified when there is a POTENTIAL problem ; however, I DO NOT need or want to receive every PROMOTIONAL piece of information. Nor do I want to be contacted AFTER it is too late to do anything. Due to the LARGE Number of " CONTACTS '' from NAVIENT ( and previously owned " XXXX XXXX '' ) over the past 10 plus years, resulting in UNREASONABLE contacts to my daughter, QUESTIONING " is the bill paid '', " are you having financial problems ; '' and having her let me know, she does n't know WHY they 're contact me : " no late payments, '' " just made a payment, '' she " registered for a program, '' she " just checked and they said she is STILL in the program, '' her " account is set up for automatic payments, '' etc. After years ( XXXX ) of several missed " computer '' generated phone calls, 20 minute plus " holds '' on return calls ( some with successful contact and some not ), checking and re-checking with our daughter for verification and accepting the answer received from whomever ( Daughter/Navient XXXX answers first ; a person gets used to receiving the un-necessary contacts, the same explanation from the kids, and then it becomes shocking when it turns out, the information ( from Navient ) shared was incorrect, and now there is a report filed and a " ding '' against both our daughter and my credit. Something needs to be done with the way this company 's policy/way of doing business ( which matches the previous owner-XXXX XXXX ). Especially, when a person considers : a parent finds out the people providing the loan are the ones SUGGESTING to young, struggling graduates, to " let their account go delinquent for 3 months '' then NAVIENT can look into considering dropping their monthly payments to make it more affordable. What responsible adult / finance company would make such suggestions!!??? I am reporting Navient for : 1 ) inappropriate/abusive contact ( XXXX e-mails in XXXX morning- XXXX for each account ), repeated Computer generated contacts to cell phones, long wait times ; 2 ) Abusive use of accounts in dealing with reports XXXX XXXX counts " dings '' -actually XXXX for this situation due to the fact they counted the XXXX accounts delinquent for two months ). 3 ) In appropriate " encouragement '' of allowing accounts to default - for the purpose of extending loan life and debit to increase income for their business. Just so you know, our daughter contact Navient for consideration of different programs because she was XXXX and another monthly payment. She thought she had her finances/situation under control when she " enrolled '' in XXXX of the suggested programs. Even though she, provided the required check account information, and she checked in monthly with Navient to verify she was still enrolled in the program, the end result was XXXX us having reports on our Credit Scores. Again I repeat, I feel very STRONGLY about the fact that SOMETHING NEEDS to change. | ||||||
| 06/01/2017 | Yes |
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| I want to do the following on my student loans! Here are my thoughts on how the bank committed fraud and broken the agreement with me the student. Need to have the original, wet-ink note I signed for review because : The bank may have changed the note to make it marketable from a securitization standpoint, thereby raising the issue of whether such changes have made the note invalid and unenforceable The assignments of the note I signed may not have occurred, or may have occurred through an illegal, forged or fraudulent way ; Also to see if the loan agreement owe me the student the duty of negotiating a loan modification agreement in good faith. Failure to negotiate in good faith would be a defense, arguably, to the note ; Failure to negotiate in good faith would be an defence. The ban k may b e charging illegal, usurious interest on the loans in spite of various rulings which permit banks to charge usury ; I have had made various payments to other banks that that have not been reflected. The ban k may have written off the loan with the IRS ( evidence by a form XXXX ; ) I need a lawyer ask for the required docs and get a case against my loan note holder. A lawyer could spend a few hours looking into ( and perhaps resolving some of ) the various issues I have outline. Need him/her prepare and file a complaint but at all times you must make sure that any lawsuit is meritorious ( meaning, that you have a basis, which means that I was defrauded into signing the student loans for a course of study which the school knew statistically would not result in sufficient income for you to be able to service the loan ). Bottom line Took out XXXX of loans 20 years ago and now owe XXXX . Now repayment {$890.00} a month for 40 years. XXXX totally to pay off a student loan. That should be an felony . Plus they wi ll doc my Social Security too. This has gone too far! There is a reason why student loans is more than a XXXX dollars business outstanding student loans. Was denied financial aid in XXXX from XXXX XXXX College and was told to resubmit paper work and fill out that I lived on a house boat, open a PO box , handed a r ental contract and how to fill out student loans to qualify. The college must be getting kickbacks from the lenders and government. This is 100 % fraud. All I need is just have to have a court order to find it! If any of the above request can not be meet, it would be a breach of contract. Right? Take a look at this graph and tell me why its a XXXX dollar business. Because our corrupt government made it impossible to get out of a student loans and wants a national full of debt slaves. I thinks the loan holder and college will settle out of court instead of opening a can of worms and with a risk of being a found guilty of fraud. If being presented with these issues and I think they would settle out of court. A lawsuit, based on fraud, could also be commenced at the same time against the college and guarantor institution, both of which must have known about the fraud based upon the statistics the college had to prepare to publish. Even though th ey may not now own the notes, their presence in the law suit might be helpful to encourage overall settlement of the lawsuit and to help us establish though discovery that the present owner of the notes is not the holder in due course and is subject to our defense of fraud. Student loans are very similar to home mortgages. Both involve a purchaser acquiring massive, life time debt secured by real estate and a higher education and are both underwater for millions of Americans, with the value of the property and education worthless than the amount owed to the banks. I the student should not only be unafraid of being sued on student loans, I want to start a lawsuit myself against the lender and college. Bring suit, then settle in suit! Short & sweet and simple. | ||||||
| 07/22/2016 | Yes |
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| I have a student with Navient that is currently delinquent. I was enrolled into a program that reduced my payments, which allowed me to afford my payments. The loan went delinquent late last year because I was laid off from my job. I am still unemployed. Despite just receiving {$270.00} per week in unemployment benefits, I tried to make payments to Navient. I used my tax refund to pay Navient because despite not having a job I did not want my loans to go into default. I will start a position on XXXX/XXXX/2016 with a salary of {$50000.00} a year. Over the last few months, I 've dealt with several different reps at Navient. The first time I spoke with someone at Navient was XX/XX/XXXX. I spoke with a rep name XXXX and I explained my situation to her. While dealing with XXXX, I made a payment of {$740.00} to XXXX loans XX/XX/XXXX/XX/XX/XXXX. I believe the payment cleared on XXXX XXXX. After the payment cleared, I called XXXX at the number and extension she had provided me to discuss the next step. The rep who answered the phone said she could not locate in the system. In XX/XX/XXXX I spoke with several different people at Navient and different phone numbers. I first spoke with a rep whose name I do n't remember. She discussed the possibility of re-enrolling me into the program or extending the program. Extending the program would cause my payments to go up to over $ XXXX/month, which I ca n't afford. So she talked about re-enrolling me into the program but I would be required to make a payment by XX/XX/XXXX in order to re-enroll. I did not have the money to make the payment when I spoke with. She said she would call me on XXXX XXXX and at that time I would let her know whether I could make the payment. A few days later, I received a call from another Navient rep named XXXX XXXX. I told him I had spoke with another rep on this file. He and I talked about the account and re-enrolling in the program. He said extending the program I was in would increase my payments to close to {$1400.00}. He said I could re-apply for the program but I would have to make a payment by XX/XX/XXXX in the amount of {$970.00}. I did not have the money because I am also trying to keep my car from getting repossessed. I told him I would have to see if I could borrow the money from my sister or brother. My brother was able to loan me a small amount. To come up with the {$970.00}, I sold some personal belongings including my laptop. After I got the money together, I called XXXX and let him know because I wanted to make the payment in order to re-apply for the program. I made the payment on XXXX XXXX. When I last spoke with XXXX, he told me to call back closer to the end of the month to start the process of re-enrolling into the program I was part of. On XXXX XXXX, 2016, I received a call from another rep who basically told me I would not be able to reapply for the program unless I can make another payment by XX/XX/XXXX. I told her that was not what I was told last week when XXXX and I spoke. I spoke with a supervisor who told I would need to make another payment by XX/XX/XXXX in order to re-enroll into the program. At the end of this month, my monthly payment to Navient will be close for {$2000.00}, which I clearly can not afford. That is why I worked so hard and sold things to be able to make the last payment in the amount of {$970.00}. I relied on the what the reps had told me, which is I could re-apply for the program by making a payment in XX/XX/XXXX. Now after I make the payment, they told me I need to make another payment in order to re-enroll into the program. That is contradictory to what they told me. I know I owe the money and I want to pay but my financial difficulties have made that hard for me. My current financial situation does not allow me to make {$2000.00} payments a month. If I knew they would they would have done a XXXX on me, I would have tried to do something else. | ||||||
| 02/02/2017 | Yes |
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| I obtained my 1st private loan through XXXX XXXX, now known as Navient, XX/XX/XXXX for {$20000.00} and eventually borrowed a total of {$33000.00} to finish school. I was XXXX without a clue to really how these private loans work. They just told me that I did n't have to pay until I graduated. Allowing a XXXX year old with limited income and no education to borrow {$20000.00} in itself is a mistake and predatory lending. Before XX/XX/XXXX I never received detailed documentation about my loan balance, nor my Mom who cosigned on XXXX loans. When I went into repayment XXXX XXXX said I owed approximately {$56000.00}!! The repayment option they gave me was about {$700.00}, that I told them I could not afford. XXXX XXXX said my options were to pay interest only. So I took the option they gave me and paid {$460.00} a month of interest only. I did this for 2 years with no impact on reducing the loan. Between starting repayment XX/XX/XXXX until now, I contacted them many times with concerns of my inability to barely pay interest only. I told them I do n't anticipate being able to make these types of payments any longer and I am not getting anywhere as far as actually paying off my loan. I was told that I could pay {$50.00} per loan, to put it into deferment for 3 months. This is the only option I was offered and I took it because I was on maternity leave XX/XX/XXXX for a couple months. So during these months my loan balance increased, interest was accrued, and the interest was capitalized. I did this again for another maternity leave XX/XX/XXXX. Once deferment ended my balance was {$59000.00}. I started researching online trying to figure out what I could do because XXXX XXXX seemed to not be able to offer me any help or just did n't care. I stumbled upon a comment on a blog that said I need to call and ask specifically for the " rate reduction program ''. So I called them and I qualified for the program for 2 years in a row and received a 4 % interest rate. With this I was able to make an affordable payment of {$350.00} that actually contributed to reducing the loan balance. Then all of a sudden they want to ask for my cosigner 's income information. Navient sees that she cosigned for a car for her husband and says that I no longer qualify for the program because of that even though her finances reveal she nor I have the ability to pay the full payment on 10.250 % interest rate. The first two years of the program they never considered her finances as a part of the requirements for me to qualify. They never provided any guidelines that needed to be followed to continue in the program. My interest rate has increased and is now between 9.75 % and 10.25 % with a {$590.00} payment. I was never aware that I had a variable interest rate until I noticed the rate change after they disqualified me for the rate reduction program. I asked to be sent my promissory note. It 's a simple one page application that does mention anything about the interest rate. They sent supplementary documents that do not have any connection to me other than sharing the same year on the paper that talks about variable interest rates. How can I be sure I agreed to a variable interest rate? Is there a cap on this variable rate? They ca n't seem to provide me with this information when I asked. How can I possibly pay back what I owe with unreasonable interest rates and helpful repayment programs being hidden from me, and taken away, all the while interest is accruing and capitalizing. I believe this is a bad practice and service. Had I been offered the rate reduction program XX/XX/XXXX I would have been able to make affordable payments towards the balance and interest to actually pay off my loan. May have been halfways through repayment. Because of XXXX XXXX and now Navient 's predatory practice, misleading, and lack of forward information I now owe {$56000.00} with no way to actually pay it off. | ||||||
| 04/25/2022 | Yes |
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| The Spousal Consolidation loan program originated in XXXX as a way for married borrowers with student loans to consolidate their individual student loans into XXXX loan for which they were both jointly and severally liable. Due to loan terms, couples would be forever bound to each other, equally responsible for each other 's debt, even if they later divorce, became XXXX or even died. However, by XXXX the disastrous spousal loan consolidation program was done away with by Congress. These loans essentially tied spouses to each other for life, even though they may have divorced or been a victim of spousal abuse. Today, there are only XXXX in payment, yet there could be many more in default or forbearance. Our Story In XXXX, with a balance of about {$130000.00} in student loans, we were advised and recommended by our loan servicer Sallie Mae ( a government entity, at that time ) to consolidate our loans into a FFELP Joint Spousal Consolidation loan. Based on our low income, again at the recommendation and advice of the loan servicer, we agreed to pay based on the Income Driven Repayment plan. The effect has been disastrous. To date, we have paid close to an unconscionable {$200000.00}. We have not missed XXXX payment, even during the Covid pandemic, as Spousal Consolidation loans did not qualify for the payment pause, granted to most all other student loans, by the President. Each year we continue to pay, yet make no progress on the principal balance. Currently we pay approximately {$1600.00} per month. The current balance owed is a shocking $ XXXX. This is predatory lending, an action allowable and partaken in by the U.S. government. Together, we have served the public in our careers for a combined forty-four years. Unfortunately, even with the requisite number of years, we do not qualify for public service loan forgiveness ( PSLF ) program because our FFEL joint spousal consolidation loan is " barred. '' In XXXX of XXXX President Biden, through the Department of Education declared a temporary expansion to the previously strenuous requirements of the Public Service Loan Forgiveness ( PSLF ) program. Specifically, the declaration/executive order stated, [ b ] orrowers who currently have FFEL, Perkins, or other non-Direct Loans, will get the benefit of this limited waiver if they applyby XX/XX/XXXX. Having an FFELP spousal consolidation loan I was excited and took the steps outlined in the Press Release. However, our current service provider Navient, informed us that FFELP Spousal Consolidation loans will not qualify under the waiver, despite the announcements that all FFELP loans would be waived. For the PSLF program waiver, FFELP borrowers must consolidate their FFELP loans via the federal direct consolidation loan program ( FDLP ) before XX/XX/XXXX, to qualify for the benefit. Currently Spousal Consolidation loans can not be re-consolidated into a FDLP consolidation loan, and therefore these public servants, after a lifetime of service, can not take advantage of the PSLF program. Generally, consolidating loans is a good financial plan. However, in this case when we consolidated our loans, we were unaware and never told : that we would never be allowed to reconsolidate into the direct consolidation loan ; that we would never be allowed to refinance at another rate ; that we would never be able to have the loan forgiven in bankruptcy ; that we would never be allowed to enter public loan service forgiveness. THERE ARE NO OTHER LOANS AS RESTRICTIVE AS THE FFELP JOINT SPOUSAL CONSOLIDATION LOAN, offered by or on behalf of the US Government. We have paid our original loan amounts plus an additional $ XXXX, yet still owe $ XXXX. While we agree that we should be responsible for paying our debt, which we have done, we believe it is irresponsible for the government to charge interest in the amount of $ XXXX over the life of a {$130000.00} student loan. | ||||||
| 04/09/2019 | Yes |
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| I have private XXXX XXXX Loans through Navient which was formally Sallie Mae. I took out a private loan in XXXX while attending the XXXX XXXX XXXX. I was paying out of state tuition with the XXXX XXXX XXXX because I was from XXXX XXXXXXXX, XXXX and they considered that out of state. Since tuition was three times as much, I was informed that I would have to look for other options for tuition because I had exhausted my federal loans. I wanted to complete my degree in XXXX so I was provided Sallie Mae 's information. Upon contacting them I was approved for a private loan without a co-signer. I am not sure how because I never received nine separate loans but my total original loan between all the separate loans was for {$63000.00} with interest rates from 10.5 % -11.5 %. Now realizing how ridiculous this is, I feel I am forever in debt due to poor decisions when I was a XXXX in college. Upon graduating, they wanted a payment of {$1200.00} a month which was more then 50 % of my monthly income at the time with over {$700.00} being interest only. I was told that since I couldn't afford it, forbearance was the best option. As we know, this just racks up the amount owed so you are even further in debt. At that time though I didn't have an option. I would make payments the best I could but I wasn't able to afford anything else. Now in XXXX, Navient has now taken over my loan I owe a total of {$140000.00} which is more then double the amount of the originally loan. Furthermore, I was unable to live with my first degree and my student loan debt so I looked at other career options. All I ever wanted to do was to help others so I went back to school for XXXX. I did not take any loans for Navient for my current career. I graduated over three years ago and am still struggling with Navient. I was approved on a few occasions for hardship but the payments were {$600.00} a month and when rent and other necessary living expenses are a priority, Navient was not. When I would get behind, I would get up to three to five calls daily. Upon speaking with someone about my being behind I was even told that they would take my drivers license and XXXX license if I did not pay. This of course is my only way to survive so I would make a payment and get behind on other things scared that I would not have a way to make a living. In XX/XX/XXXX, we had our XXXX child. I honestly never thought I would have children even though I always wanted to be a mom but with this debt I didn't think I could afford to take care of anyone because they make it impossible. Upon going on maternity leave, I asked if I was able to stop my current payment of {$600.00} a month for XXXX months because I was going to be off on unpaid XXXX leave. I was told no. So my last payment was in XX/XX/XXXX. They currently want nine separate payments totaling {$8300.00} for my monthly payment. I don't know how anyone could pay that. Furthermore, since I have no way of paying the company, it has ruined my credit and states that I am behind on nine loans. Although they only want one ridiculous payment. They also call me five plus times a day from numerous numbers. They have started calling friends, family members, and friends of family that I have no association with looking for me. They contact my work leaving me messages, have spoken with HR requesting information, and send me faxes stating that I have to take immediate action. I have looked at hiring a lawyer and am at a loss of what to do. There is no way I can pay what they want and the fact that the interest has more then doubled since taking out the loan, there is no way I will be able to pay off this debt. I do not understand how they are able to get away with the loan amounts, interest rates, payment options, and harassing people when they make it impossible to pay. Thank you for your help. You have no idea how much stress this has caused my family and I. | ||||||
| 01/19/2017 | Yes |
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| Prior to XXXX school graduation, wanted to take my loans out of deferrment but was not able to under the current rules. I mention this because the rule how it stands only benefits the banks. As a graduate student mandatory deferment and lack of ability to consolidate until after graduation is a cash cow for the Banks. There was no option for anyone with the financial ability to place their loans in repayment and consequently pay principle and interest. Therefore we the lenders were left treading water with only the ability to pay interest. If the loan ( s ) were able to have entered repayment they would have been capitalized and payments would go towards both principle and interest, thereby, reducing repayment term and expediting repayment. The rules as they now stand is a win, win for Banks. By not providing an option for those with the ability to capitalize a loan and enter into repayment, the current rules, serves only the banks and is a huge disservice for consumers. Secondly, the lender XXXX up my initial application for standard consolidation repayment. Based on numbers initially upon my application I was approved for a XXXX year term. Once approved the consolidated loan 's term was reduced, by the lender, at my request, to the XXXX year term standard repayment. Because Navient 's representative misinformed me on my initial online application ... had to reapply with paper application. I waived any delay requesting any loans in deferment that were being included went into repayment immediately on approval. My application was approved and was scheduled to go into repayment XX/XX/XXXX. When I was able to review my summary of charges I realised I was not entered into repayment until almost two months from my scheduled date amassing interest charges of almost {$600.00} in accrued daily interest rates. When I pointed out that my paperwork showed the loan repayment date of XX/XX/XXXX I was told ignore what was on my online account and refer to the micro print on the online " terms of agreement. '' Bear in mind automatic bank repayment was set up and ready to begin on XX/XX/XXXX, as clearly stated on my online account ; therefore, why was I charged all this additional interest. Frankly this is a patently unfair practice. Everything was processed on my end including consolidation loan approval ... why should I be penalised if the bank chose to delay the time for repayment which benefitted them to large interest profits at my expense. Furthermore, Navient has only recently added the ability for consumers to see an itemized spread sheet on their accounts that shows exactly accumulated running balances in real time. Prior to this the consumer had to do all their own calculations to determine their running balances. Then they would have to have their account balances numbers verified by Navient 's customer service accounts department. In this day and age that was outrageous. Technology is such that there was NO excuse to allow student 's to be left in the dark with such an outdated system. There are other issues I had as well that go back to transfer of accounts from XXXX XXXX XXXX accounts, prior to transfer of those accounts to Navient. The problems occurred whereby a single loan was seperated into XXXX accounts. This allowed a single loan distributes over two periods within a semester being listed as XXXX sepearate accounts for the same loan distributed per semester. Therefore timelines were extended and subsequently more interest and thus profits for the servicer. The only way the consumer would know that the lender 's were splitting their loans up this way is when the consumer called confused with how payments were being applied to what they logically assumed were XXXX seperate accounts. The consumer was then told " they are the same accounts. '' However, this did not stop the lender 's from continuing to benefit from this type of " scheme. | ||||||
| 10/13/2017 | Yes |
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| I previously filed a complaint about trying to utilize XXXX XXXX 's interest rate reduction program so that I could avoid defaulting on my loan and trashing my credit. Sometime in XXXX, one representative had told me that my income made me eligible to pay only $ XXXX instead of $ XXXX, but I would have to wait to enroll in the program on a specific date. I called on that date ( sadly without that representative 's name or employee # ) and a different rep informed me that I in fact did n't earn enough money at the time to qualify for the reduced interest program, and that I would be forced to remain in the regular repayment plan where I was required to pay over {$300.00}. That 's right ; XXXX XXXX XXXX at the time ) determined that I did n't earn enough money to pay $ XXXX and would instead require me to pay over {$300.00}. Now that I know a bit more about finances, I 've taken the XXXX XXXX XXXX approach to paying off this loan, which has now increased to XXXX % interest. Once I paid off my car last year, I added that {$200.00} to my private loan payment, so I 'm now paying $ XXXX just on this loan while the interest rate increases at least once each quarter. Just for kicks today, I exported my payment history to an XXXX document. This loan was disbursed in XXXX in the amount of {$17000.00}. What I did n't realize before today is that immediately upon finishing school ( after my XXXX months of deferment was up XXXX, XXXX XXXX charged me a " Repayment Fee '' of nearly {$800.00}. That same day, they capitalized my interest, which amounted to {$9200.00}. So immediately upon finishing school, over {$10000.00} was added to my principal balance. Like most people, I knew nothing about finances or loans when i took out this loan at the age of XXXX ( Since my birthday is in XXXX, I had to actually wait to begin school until I could take out the loan once I turned XXXX ). The other thing I see in this spreadsheet is that each time I had to go into forbearance ( I could n't pay $ XXXX, even though I worked XXXX jobs while attending school full time all XXXX years ), they capitalized my interest. I wanted to do the maximum forbearance time all at once ( I think it was XXXX months at the time ), but XXXX XXXX said that I could only do XXXX months at a time. So every XXXX months I had to pay {$50.00} for the forbearance, plus the capitalized interest. In total, I utilized XXXX months of forbearance time for {$150.00} up front, and {$1900.00} of interest was capitalized. Beyond that, due to the misinformation I was given ( mentioned in the previous paragraph ), I was charged late fees because my payments were short ( I paid the $ XXXX quoted for the reduced interest plan instead of $ XXXX ) and I was marked as delinquent on my credit report, which XXXX XXXX refused to fix. I spent weeks calling about the reduced interest plan, trying to get someone to pull up the recorded call. I even gave them the date the call took place, but they made excuses about how they only keep the calls for a certain amount of time and then destroy them. Despite my best efforts using many methods to calculate interest for each month 's payment, I still ca n't find a logical explanation as to why the interest portion of my payment fluctuates so much, despite the interest rate being the same. There is over a {$50.00} difference between what was paid in interest last month and this month. Last month, I paid nearly {$80.00} more in interest than the previous month, even though the payment amount was exactly the same, and it was only XXXX days off from the previous month. My current principal balance is over {$19000.00}, when my original borrowed amount was {$17000.00}. I 'm trying to improve my credit to refinance this loan for a better interest rate, but am constantly denied because my XXXX ratio is too high. I 'm making decent money at my job, but these loans are just too much. | ||||||
| 01/20/2017 | Yes |
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| In XXXX, I attended XXXX ( XXXX ) in XXXX, PA and took out student loans worth approximately {$50000.00}. Upon graduation in XXXX, working as a cook for {$8.00} per hour, Navient insisted I begin to pay back my loans at a rate of {$900.00} per month. As a single mom I could not afford to pay that amount. Every option Navient presented me with for repayment was absurd. One option for interest only loans dropped payments to {$850.00} which I still could not afford. I applied for loan consolidation with Navient, which would have lowered my loan repayment amount. However, my request was denied as a result of my credit. I was baffled because the same company which issued the loans based on my credit now denied me the ability to repay them at a lower rate because of my credit ; which had not declined since the initial loan. Navient stated I did not have a sufficient credit history. I tried to add my husband as a cosigner on the consolidation but was told they did not allow cosigners. Discouraged I talked to a lawyer about bankruptcy but was told it would not apply to student loans. I was left with no other choice except to defer the loans. I decided to go back to school in hope of one day making more money to pay back the loans. In the meantime the loans capitalized and my loan balance grew. It seemed I would never be able to dig myself out of the debt. In XXXX XXXX, because of a gap in school ( I had finished my XXXX and had not began XXXX. ) ; I had to begin repaying the loans. I had worked hard over those few years to build my credit so consolidation would be an option only to find out they no longer consolidated private loans. When Navient said I had to begin repaying they gave me 2 options : principle plus interests payments and interest only payments. After continually explaining I could not afford the {$1400.00} payments I was told there were n't any other options. Miraculously after much determination and pleading I was transferred to a representative with the Rate Reduction Plan. With a prescreening interview I was eligible for the program and payments were {$420.00} per month with an interest rate of 1 %, only to be bumped out of the program a few short months later. Navient did not explain to me with an " in school '' status, I would be moved out of the program. Once removed from the plan, Navient continued to collect payment at a much high interest rate of 13.25 % ; I was not informed of the change. When I requested a refund, it was denied. I was told I would not be able to rejoin the program until XXXX XXXX which was one year from the initial sign up date and my loans capitalized even more. Once I graduated with a M.A. my payment went up almost $ XXXX monthly. With the program I will still eventually end up back at a {$1400.00} payment after the rate increase each year. I now owe a lot of money in federal loans as well because I had to avoid defaulting on the Navient loans by returning back to school. I am able to pay smaller amounts on the federal loans. I currently pay almost {$600.00} in loans to Navient which is extremely hard on our family. As a military spouse it is difficult to find employment because we move so often but I must continue to pay. In XXXX, I owed {$120000.00} culinary school, I currently owe {$110000.00} not including XXXX ( fed ) for my XXXX and XXXX I must reapply every year and based on my debt to income ratio I have to pay a much higher rate in the future ; there is an automatic % 1 increase regardless of debt to income ratio. Each year calling back for renewal brings a lot stress as Navient representative are rude and exert their authority. I have been threatened to be dropped from the plan for ridiculous reasons. It 's a very scary and intimidating call. It seems Navient has in every way made it possible to raise my principle balance and nearly impossible to actually pay if off. This is my story, there are like me. | ||||||
| 03/20/2015 | Yes |
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| In XX/XX/XXXX, while discussing an unrelated business mater with a current lender, I was made aware that an account, I did not authorize or initiate, had me listed as a cosigner. I immediately notified the lender that I was a victim of identity fraud and requested to see the information they had on file. In turn, I checked my credit reports, confirmed the presence of the fraudulent account, and contacted each of the XXXX credit reporting companies and disputed the information. At varying dates in XX/XX/XXXX, each of the credit reporting companies ( CRCs ) reported that the account was confirmed by the lender. To date, the fraudulent information remains on my credit file and [ neither ] CRC has ever notated my credit profile about the account being disputed. After [ several ] additional telephonic requests to the lender between XX/XX/XXXX to XX/XX/XXXX, the lender mailed me a copy of the loan origination documents along with its internal ID theft package. I immediately filed a law enforcement report ( LER ) with my local Sheriff 's Office and returned the original package and supporting documentation to the lender in XXXX. The supporting documentation included a copy of the lender 's loan origination document, my LER, drivers license, social security card, and hand writing samples. In XX/XX/XXXX, I was notified by a potential employer that I was deemed unsuitable due the presence of delinquent financial information on my credit report. In that same notification, I was provided a copy of my combined credit report which still contained the fraudulent account on each of the CRC 's reports. I began researching laws and learned about the FCRA and the FTC. After learning that the combination of an LER and FTC Identity Theft Affidavit ( ITA ) produce an Identity Theft Report ( IDR ), I filed an ITA on the FTC 's website. In turn, I sent [ via certified mail ] FTC 's CRC-template letters and supporting documentation to each of the XXXX credit reporting companies requesting that the fraudulent account be blocked, removed, and that a extended fraud alert be placed on my credit file as per the FCRA. The supporting documentation for each submission of FTC 's CRC-template letter included a copy of the lender 's loan origination document ; my credit report, drivers license, social security card, and hand writing samples ; as well as FCRA Section 611. According to XXXX tracking, the CRCs received their certified letters on XX/XX/XXXX and XX/XX/XXXX [ XXXX ], respectively. To date, each CRC has placed an extended fraud alert but has [ not ] blocked the fraudulent account information from my respective credit profile [ or ] contacted me declining my request to block the fraudulent information. In fact, XXXX CRC will not allow me to order a credit report directly and advised ( via telephone ) that my IDR was not sufficient but would not provide its justification method in making that determination. Subsequently, and, respectively, I have ordered additional credit reports which indicate each CRC 's non-compliance the FCRA 's imposed time limits. To their credit, XXXX CRCs have listed the fraudulent account as disputed/under investigation. Additionally, I sent [ for the XXXX time, via certified mail ] FTC 's lender-template letter and supporting documentation to the lender requesting that the lender block, absolve me of responsibility, and stop inaccurately furnishing the fraudulent account information to the CRCs. The supporting documentation to my submission of FTC 's lender-template letter included a copy of the lender 's loan origination document and ID Theft Affidavit ; my IDR, credit report, drivers license, social security card, and hand writing samples ; as well as FTC 's Notice to Furnishers ) According to XXXX tracking, the lender received its certified letter on XX/XX/XXXX. To date, the lender has not made any contact with me. RE : FTC ITA # XXXX | ||||||
| 03/06/2017 | Yes |
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| I know at this point I do n't know what can be done about this but let me break this down to you as easily as I can ; I moved to XXXX County a month after I graduated XXXX back in XX/XX/XXXX. Money my parents set aside for me for college, gifts and my life were put into a school I got absolutely nothing from for an extremely short period of time attending at XXXX XXXX XXXX XXXX. I started in XX/XX/XXXX or so and ended in XX/XX/XXXX or so I thought. I withdrew from their school under the given facts that I was hating was I before loved, getting nothing out of their unaccredited classes and wasted all my money that was saved. I decided to exit out ( which I did ) and I had a status of " Withdrawn '' from their school. My parents helped on a couple loans but did a loan consolidation paying off my whole loan which was under XXXX or so but years moving place to place, figuring out what I was going to do next I had no idea what they meant. I kept everything from the very first original signed loan documents. I have over XXXX pages scanned showing my original loan documents, 2nd copies modified copies and more and more my documentation for these loans became double the amount and other loans my family and i were unaware of! I think you might have a better idea of what 's going on here than I do I hope. This has taken me over a year to organize, still trying to understand these loans that do n't add up, letting my parents keep up on my student loans just so it wo n't hit their perfect credit and i 'm exhausted! These people have made it impossible for me to go back to school which I have been wanting to do for far too long now! I know we paid more than what was owed, i know things were fraudulently modified somewhere and i 'm sick of living paycheck to paycheck because of these guys! I want to pursue a better life and career! I want to give my parents more than what they have graciously have done for me! Please give me any advice at all here! I will do and get whatever you need because I know the facts here are far too clear. Below is a case similar to mine or almost exactly the same. As stated in regards Last week, the parties in a class action lawsuit accusing student loan company Navient Corp. of misappropriating advance payments on student loan accounts reached a settlement agreement, according to court documents.Lead plaintiff XXXX XXXX alleged in her class action lawsuit that the student loan company Navient engaged in an " unfair, deceptive and illegal '' practice by taking extra money that borrowers made toward their debt and applied it to future payments instead of applying it to the principal balance. XXXX further alleged that by applying these additional payments to future payments, Navient was able to keep interest payments higher. " Logically, the student loan borrower would pay less interest thereafter on a {$9900.00} principal balance, rather than a {$10000.00} principal balance, '' XXXX said in her class action lawsuit describing a situation in which a borrower paid an extra {$100.00} on a {$10000.00} loan. " If, however, '' the Navient class action lawsuit continued, " defendants refused to apply the {$100.00} extra loan payment to principal only, but rather applied it ahead to future payments or to other loans, the student loan borrower who should only accrue interest on {$9900.00} would still actually pay interest on the higher {$10000.00} principal amount. " The loan company is an offshoot of the massive student loan company XXXX, according to court documents. Navient had engaged in a protracted legal battle in response to the student loan class action lawsuit alleging that the plaintiff 's counsel was not qualified to act as the representative for the class because he and the plaintiff are married. Navient 's argument was dismissed in U.S. District Court because the judge determined that since the Class had not even been certified! | ||||||
| 03/01/2016 | Yes |
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| The following statement cites and corresponds with a previous report filed against Navient Solutions , Inc. as of XXXX XXXX, 2016. The issues that will be addressed are in regards to the inaccuracies of Navient 's online account information and mishandling of clientele monetary withdrawals. On XXXX XXXX, 2016, I was transferred through Navient 's telephone representatives to speak with their Collections department, where I further exchanged information with a representative by the name XXXX ( Note : last name involuntarily provided ). This representative stated the company was unable to provide renewed Forbearance as per Navient 's specifications of privatized lending. Alternate options were subsequently offered to be reviewed, with XXXX parties in agreement. After a series of questions regarding my financial assessments, XXXX then offered enrollment into Navient 's Rate Reduction Program, which would alter my current interest rate to a new rate of 7 %, and lower my current payments to {$350.00}, as of XXXX 2016. This information was verifiably recorded as immediately effective. The recorded conditions of the Rate Reduction Program are as follows : The Navient client in question will need to provide a verifiable bank account and sign up for Auto-Pay in order for the company to withdraw XXXX consecutive payments under the new amount. I have received corresponding electronic documentation which indicates the specifications of the Rate Reduction Program. On XXXX XXXX, 2016, the online account information listed as unchanged according to the new parameters Navient Solutions XXXX Inc. provided via phone and electronic documentation. The only changes that were noted as immediately effective were the inclusion of Auto-Pay setup, and previous contact information now updated. Evidence of conflict was also noted by way of the Auto-Pay being indicated that it would become effective as of XXXX XXXX, 2016, as opposed to what was stated over the phone. The payment amount required in the online account was also left unchanged, as it reflected the statement of {$430.00}. A charge was personally made in this amount due to the website 's absence of indication of any payment adjustment to the recorded {$350.00}. On XXXX XXXX, 2016, Navient failed to provide proof of contact ( Note : as cited in their disclosure of the Rate Reduction Program document ) before proceeding to withdraw an additional {$350.00} via a check created by Navient, as documented in banking activity via the bank account which was provided for the establishment of Navient 's Auto-Pay system. The bank in question was contacted the same business day. My personal payment of {$430.00} was reimbursed, negating the overcharge and coinciding with the new financial parameters verified by both the Auto-Pay amount, and all previous consensual communication between the XXXX parties. On XXXX XXXX, 2016, the specified conflict of the account in question is reinforced by both a new Past Due amount of {$89.00}, and a Late Fee of {$21.00}, which was filed under this account. Navient was contacted promptly the following business day. When spoken to, a representative reviewed the account in question. It was verified that the account in question was listed as Current according to the Rate Reduction Program 's required amount of {$350.00}, and a Fee Reversal was signified to post in XXXX four business days, and stated contact to her supervisor in regards to the current activity. On XXXX XXXX, 2016, accessing the online account confirmed that no Fee Reversal was established, and the account in question still specified a Past Due amount of {$89.00}. This amount is reflected in XXXX 's required payment of {$520.00}, with the Past Due amount having been included in the obsolete amount of {$430.00}. The alleged inaccuracies have been documented for legal accountability, as the online account poorly reflects the business. | ||||||
| 10/08/2015 | Yes |
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| I 'm the co-signer on student loans that were acquired through XXXX XXXX for my daughter 's college education. Upon her 2012 graduation, monthly pmts to XXXX XXXX began and any time we needed assistance with lowering loan pmts or with deferments, we were treated professionally and never had loan problems. XXXX XXXX maintained accurate loan records and we always had access to loan data. Since Navient acquired XXXX XXXX over a year ago, we have had nothing but problems, misinformation, confusion with the loan statuses, conflicting responses from account reps, assurances that the accounts we " all set '' followed by late notices and damaging credit reports. Last year my daughter returned to college to pursue an XXXX, and contacted Navient to request loan deferments. Due to the term of some of the loans not all could be deferred and she established a pmt plans for those that were not eligible for deferment. She was informed by Navient customer reps that the loans in deferment were the loans I was co-signed on ; however, I began receiving notices of pmt due, as well as calls from Navient to my ex-husband asking to discuss the loans I was co-signed on. My ex-husband was co-signer for some of my daughters loans, but Navient had somehow transposed some of his personal information to my loans and my info to his loans so he was receiving calls from Navient to discuss my loans and personal and financial info! A call was placed to Navient EACH time a notice was received, and for months we were told it was sent in error and the loan was all set. After months of this aggravation passed my daughter was furious and asked to speak with a manager. After having to explain the entire situation yet again we were told the loans in deferment were actually my ex-husbands co-signed loans and not mine. This was after months of being told the loans were " all set ''. Yet again we had to provide financial info and repeatedly verify personal info. Again my daughter verified her pmt plan with Navient and had bank records to prove Navient had been deducting a monthly pmt, yet after months of loan info being a mess, months of Navient deducting pmts, after months of my account being confused with my ex-husbands accounts, Navient had the absolute nerve to report us to the credit bureau XXXX AFTER receiving auto-deducted pmts ) and on XXXX occasions XXXX my daughter and I have suffered credit reductions of XXXX points! Not only has Navient been completely incompetent, but caused our credit to suffer after months of our attempts to FIX the problems, and to prove we are responsible customers who continue to pay back loans and have contacted Navient desperately trying to verify, re-verify, and straighten out these loans. If we had no intention of ever paying back these loans why in the world would we have responded and gone through such efforts and why would we have established pmt plans, and established monthly pmts that are automatically deducted from my daughter 's bank account each month. Following the latest hit to our credit scores two weeks ago, the response from Navient is " we understand your frustration but there is nothing we can do about it ''. So Navient can be incompetent, irresponsible, mix up loan and personal information, withdraw our funds, damage our credit and not take ANY responsibility or provide corrective action? We asked if our credit score will be hit with another reduction next month and got no clear answer for that either. We were told to call XXXX to work it out. How are they as a business allowed to get away with this? No accountability to resolve the credit hits, and we also have NO access to our account info. Online access to our account is blocked due to " the status of your account ''. Our loans are being paid monthly! We have no idea how much we owe or what transactions have been applied to our loans! How is this legal? This is an absolute outrage. | ||||||
| 01/27/2017 | Yes |
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| I graduated from XXXX University in XX/XX/XXXX. Once my loans came into repayment, I elected to use a program through XXXX to make interest only payments. This program was in effect until XX/XX/XXXX ( XX/XX/XXXX I made the last interest only payment ). Beginning in XX/XX/XXXX I received several letters from Navient ( my loan processor since XXXX XXXX disbanded ) stating my interest only program was ending and stating that I would need to contact them if I could not afford the $ XXXX monthly payment. I began contact Navient in XX/XX/XXXX of XX/XX/XXXX to determine what my options were, I received several different bits of information and multiple conflicting accounts about my options were. Additionally, I was told that I could n't enroll in a new program to adjust my payment until my old program ended. I continued to make calls throughout XX/XX/XXXX and XX/XX/XXXX to attempt to enroll in a program that would extend the terms of my loan to 25 years - what I was told what my only option to lower my monthly payment. Finally, at the end of XX/XX/XXXX I was advised that I would be set up for the program and my payment lowered to {$430.00}. I was told that I would need to set up recurring payments ( not through their autopay program which I had been enrolled in since XX/XX/XXXX but through direct Echecks from my checking account ) for at least the first three months as that was considered a qualifying period and if those three consecutive payments were received on time I would then be officially enrolled in the program. I called several times immediately after my first payment through this extended program was due on XX/XX/XXXX to ensure that the payment was received and everything was processing as it should, I was told the payment was received but there were problems with the paperwork completed by the rep who set up the extended terms program for me. Several phone calls later, I was assured this problem had been rectified and all was all. Sometime later, again shortly after my XX/XX/XXXX payment, I noticed that my account status on the Navient website stated I was delinquent {$150.00}. I contacted Navient and was assured by the representative that my account would remain in a delinquent status until my three qualifying payments were made, at which time, the delinquent amount would be added to my loan. The representative stated the delinquent amount was the difference between the original amount owed of {$700.00} and the {$430.00} amount required by the extended loan program. I expressed concern that the different did not equal the difference between those two amounts and was told not to worry, there was certainly just some adjustment in interest rates etc that accounted for the discrepancy. I called Navient again today, XX/XX/XXXX, to confirm all was well for my XX/XX/XXXX payment, and was told by the initial rep ( Navient Employee ID # : XXXX ) that my program was in review. When I asked for explanation of what that mean, the rep continued to repeat that it was in review. I continued to ask for explanations of what was being reviewed and why with no explanation. I asked to be transferred to a supervisor and was sent to the supervisor who set me up on the extended terms program ( Navient Employee ID # : XXXX ). The supervisor then provided me with several bits of conflicting information, first stating that I was delinquent prior to signing up for the extended terms program which was false. I had her review my payment history and she confirmed that I was not delinquent prior to XX/XX/XXXX. The supervisor then stated that perhaps it was because I was set up on recurring payments instead of autopay, I advised what I had been told about the three recurring payments and she stated that information was false. Finally she advised that my program begin date was set for XXXX instead of XX/XX/XXXX even though she had begun my payment schedule for XX/XX/XXXX. | ||||||
| 08/19/2023 | Yes |
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| Sallie Mae never kept track of the partial payments I made from XXXX to XXXX. Sallie Mae never recorded my partial payments and put me in default despite the fact that I made partial payments. Sallie Mae failed to forward the complete records of my payments to the new service providers when they were no longer servicing my loan. Why this complaint is so important : Under the one-time adjustment of IDR-qualifying payments for all William D. Ford Federal Direct Loan ( Direct Loan ) Program , the Department of Education will count any months in a repayment status, regardless of the payments made. I made numerous partial payments over the years and was still put in default. The payments were taken because the checks were cashed. I requested them from my bank, and they no longer had the records due to the 30-year time span. Attempts I have made to get my records : I requested my student loan payment records ( from the Department of Education through the Freedom of Information Act ), made PRIOR TO my XXXX consolidation on loans dating back to XXXX. I was emailed the file of my student loan records. It was incomplete. It only showed my information AFTER my consolidation. I sent two follow up emails to the FOIA office about them not being complete and received a letter saying that those records could be accessed through the NSLDS website. I accessed NSLDS and downloaded my student loan records. They DO NOT show the payments and partial payments I made of my student loans between XXXX and present. Facts : From XXXX to XXXX when I consolidated my student loans, I made partial payments to the student loan servicing company Sallie Mae, and they cashed the checks but still put me in default and sent me to collections. Instead of showing my partial payments, it shows that I was in default. In XXXX when the income-based repayment plans were available, I was never told when I called them about lower payments. My proof of payments being made between XXXX and XXXX : I qualified for federal aid in XXXX when I went to law school. I would not have qualified if I was in default. I was able to determine the following regarding my student loans : I was in deferment ( for school ) between XX/XX/XXXX to XXXX of XXXX ( went into repayment in 6 months later ) and again XX/XX/XXXX to XXXX of XXXX. With the One-Time Payment Count Adjustment for Eligible Borrowers, I should have met the threshold of XXXX credited payments ( under guidelines this would include months of forbearance except for when I was in school ). I made partial payments and/or was in deferment for economic hardship from XXXX of XXXX to XXXX of XXXX ( 26 months ), from XXXX of XXXX to XXXX of XXXX ( 104 months ), XXXX of XXXX to XXXX of XXXX ( 24 months ) and after consolidation in XX/XX/XXXX to present ( 181 months ). I have not been in default or missed a scheduled full payment on my income contingent plan since consolidation. I even paid my income-based repayment all through the student loan halt period due to Covid. In total, 335 months or XXXX years of either full payments, partial payments, or economic hardship/forbearance have been accumulated. I borrowed a little less than {$68000.00}. Because of interest and compound interest I still owe {$190000.00} ( as of XX/XX/XXXX ). Since XXXX, I have not netted more than $ XXXX/year with my lowest yearly salary at $ XXXX/year. I need my payment records from XXXX until present to show the months that should be counted toward my 25-year discharge. I need documents showing dates and payments by each month and year. I need the dates ( month and year ) that I was in forbearance. I have requested them from Sallie Mae but was told the records were sent to the new service provider. I have requested those records from the following service providers, and none have been able to locate them : XXXX, XXXX XXXX, and XXXX. I want my records. | ||||||
| 02/03/2017 | Yes |
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| I received a letter stating that my loans were going to be going up tremendously but if I called, Navient would work with me so my loans would be affordable. I worked on this with a representative from Navient whom stated that she could only help me by extending the life of my loan and a payment of {$300.00} a month, which is a hardship still on my part however, she offered to set up biweekly payments and stated that my monthly payment as well as my future payments would be $ 305 monthly for the duration of the loans which would be until XXXX. On XXXX XXXX, XXXX my XXXX XXXX XXXX grandfather who is the consigner of my loans received a phone call stating my loans would go into default if He or myself did n't pay {$12.00} and would n't be able able to be dropped off as the cosigner. He called me upset and after work I reached a Navient rep. I asked questions like : how can {$12.00} put me into default when I 'm paying you {$300.00} a month?, how do I owe {$12.00} now when you set up the payments? Why was n't I notified by mail or phone and if you called there was never a voicemail? How come my grandfather gets calls and notifications by mail and I get nothing? This rep stated that they can only leave voicemails during certain hours due to managers being available, my response was then call me during those hours. He stated that he was n't sure why my grandfather was being notified and I was n't. He also stated that the person who talked to my grandfather should n't have told him that my loans would go into default if the {$12.00} was n't paid but said something in effect of, Do you think because of his age he might have misunderstood the person whom he talked to? This I did take offense too and my reply was, " Excuse me but my grandfather does n't have XXXX, XXXX XXXX, nor is he hard of hearing and he is probably more with it than you are '' The Navient rep I talked to also stated that the Navient rep that called my grandfather " was just trying to squeeze a payment out of him ''. He also stated with how the payments are set up it triggered during this billing cycle and I did n't owe anything. At the end of the conversation I told the rep that I wanted to be notified first of anything because ultimately I am paying the loans not my grandfather, I wanted to be notified through the XXXX Mail as he is. He then made sure all my contact information was up to date and which it was. I also requested that Navient needed to get their information to coincide with the payment plan that they had set up for me. And that they contact me first about these loans. In the end he apologized for what had happened and would write a complaint form and would send it over to the complaint department. I apologized for the frustration as well. Then on XXXX XXXX, XXXX I noticed I had a voicemail. It was a voicemail from Navient. I called them back talked with a lady and explained I was not late on payments to check the note from last night, she said then disregard it. I then requested to speak with a manager. A manager got on phone and stated the payments would fluctuate and I was misinformed. I told him what happened previous night again his response was I was misinformed and would need to set up another payment of {$10.00} biweekly to cover the fluctuating costs. I stated I have talked with multiple people from your company and they all have told me different answers, why? He stated that they will educate their staff on this. I stated I was also in XXXX and work at a XXXX & asked him where was the professionalism within the company. He stated his staff would again be educated on it. I told him that I expected him to follow through with all my concerns and if he did n't that I would go above him. Later that evening I called back to set up the additional payments and requested to talk to him he never came to phone another rep took my information. Navient=hard to work with | ||||||
| 01/20/2017 | Yes |
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| I was steered into forbearance for the first few years of my loan repayment every time I called during financial trouble, instead of giving me options to reduce my payments. As a result I have used up all the forbearance allowed for my loans already. Throughout the course of the loan I would receive phone calls and correspondences claiming I was late on payments, yet I was on an automatic debit withdrawal program that THEY set up. They set up the withdrawal date after the due date so I received these calls and mail every month. I called Navient to point out the issue and have my debit withdrawal changed to a date before the due date of each month and even after several attempts to point out the issue to Navient it was still never fully resolved. In XX/XX/XXXX, I had a family emergency. I made XXXX trips to visit family and a change of jobs which created financial turmoil for me. I contacted Navient and took myself off of automatic withdrawal due to this financial hardship, otherwise I would have been left homeless. I was speaking exclusively with a woman, by the name of XXXX XXXX, who listened to my situation and advised me. I finally felt like I was talking to someone who cared. At this time I was asked to send in personal information to recalculate my payments based on my situation. I did this. While the company had this information and before they got back to me about what my new payments would be, my loan was sent to collections. When this occurred I was no longer allowed to speak to XXXX XXXX until my delinquency was resolved. I called multiple times to alleviate the extra accrued debt. The first phone call to collections, I was told to set up a payment and subsequent automatic debt withdrawal and that this would reverse credit degradation and put me back on track. I set up the payment for XX/XX/XXXX. I had to call back to set up the auto-withdrawal because I had just started my new job the week of the phone call and had yet to see what my paychecks were going to be like. I was extremely transparent with every member of Navient that I spoke to. I was asked to call back as soon as possible to set up the auto-withdrawal once I knew my income. I did this within 3 or 4 days of the first call. During this second call, I was told I was in delinquency again and that I had to pay {$1.00} to reverse that situation. I said okay, but questioned the man as to why and referred to my previous phone call and my payment set up for XX/XX/XXXX. He disappeared for ten minutes then returned and told me I was right and that I did n't have to pay the dollar. We then set up my automatic withdrawal payments through XX/XX/XXXX. Two weeks later I received a correspondence saying I owed {$1000.00} for three months of delinquency. I called Navient and reminded them of every conversation I had with previous representatives and they could not deny that those conversations took place. I did everything I could to communicate and resolve the issue. I did every thing asked of me during these calls to collections in order to resolve the debt. I left each phone call with the impression that I had done what I needed to do to reverse the situation. They acknowledged their mistakes, the paper trail of notes and recordings of these phone calls. Yet they did nothing on their end to alleviate the troubles their mistakes caused me. The representative I spoke to asked for {$860.00} immediately to resolve this and get me back in good standing. I reluctantly paid the {$860.00} and was told I would have to make additional payments of $ XXXX/month through XX/XX/XXXX ( on top of my regular $ XXXX/month payments ) to cover the accrued delinquency. The following month I received a cold call from Navient saying I was in delinquency again and that I would have to pay over {$900.00} to pay it off in full. So I did. I 've paid over XXXX towards my loans yet I still owe more than I borrowed. | ||||||
| 04/17/2017 | Yes |
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| As a previous XXXX Student I fell prey to predatory lending practices and now owe approximately {$40000.00} in private loans alone. I understand that private loans do not fall under the federal Borrower Defense to Repayment legislation. Additionally, after doing some research it seems that I have a slim chance to receive any assistance from the state I live in toward forgiveness or restructuring my private loans and thus my private loan payments. I was lied to ; I was told I would have a job and that this job would pay for my student loans and then some. I was aggressively rushed into signing my private loan forms with little to no explanation of how private loans worked or how I would need to repay my loans. I had no idea what interests rate meant at the time, I was a young adult with no life experience from a blue-collar family that did not support college education. They knew nothing about college and so neither did I ; i.e. what it meant to go to a qualified college, how that looks on job applications, how employers and other institutions perceive your educational history. XXXX made it seem like this was my only shot and I believed them for I knew nothing else at the time. They said my education was roughly the cost of any other local college but that they were special in that they could guarantee job placement. I know now that none of this is true and I feel I was manipulated to go to a school that focused on numbers, not education. I am an adult and I understand that I must take responsibility for my decisions however, while I willingly signed up for these loans, I did so unknowingly of the faulty education and unfulfilled promises I would receive on the other end. I have been unemployed multiple times since my graduation from XXXX. Most of the jobs I have had were of lower value because I could not get a higher paying position with my education as XXXX promised. I live in fairly prestigious region for college education, but when I first moved here from another state, I was unaware. When I could n't find a decent paying job with my XXXX education, I tried to transfer my college credits to another college but found I could n't. No one had heard of the accreditation institution XXXX utilized for their credits. Due to local competition between schools I was often overlooked or passed along by potential employers. Since XXXX based their success on numbers, I easily graduated. There was no challenge to my work, all I had to do was show up, both in person and online. My teachers were often unable to teach the curriculum and or were unqualified, so everything I learned I learned on the job, at the jobs I could get who were graciously willing to overlook my education, or lack thereof. As I am only able to obtain lower paying positions that often provide little to no advancement, I 've been stuck applying for the same type of position for 10 years now. Since I am usually the low man on the totem pole, between the competition and economy over the last decade, I 'm usually the first to go when employee layoffs begin. My point is for all the money I have to pay I should indeed be in a much higher paying position. XXXX targeted people like me ; people who were uninformed, form poor to impoverished areas where college never seemed possible. They had either no or bad credit and could n't afford to go to XXXX of the more redeemable and respectable local colleges. They did not do well in high school and came from a troubled background. We were easy prey. Now that the school is closed, my degree is useless and I 'm embarrassed to say that I even have a degree. I am willing to take partial responsibility for being uninformed and nave. However, one should not need an advanced law or accounting degree to know when they are being swindled and taken advantage of. I should NOT have to pay the ridiculous amount or payments they demand when I ca n't afford to. | ||||||
| 03/01/2016 | Yes |
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| I 'm writing to file a complaint about Navient ( formerly XXXX XXXX ) for erroneously raising my interest rate on a fixed-rate loan. I XXXX college XX/XX/XXXX and XXXX school XX/XX/XXXX, and have student loan debt from both. XXXX XXXX holds some of my grad school loans, and I 've had a good experience with them. Unfortunately Navient holds some of my grad school loans, as well as my XXXX loan. I have consistently had a bad experience with this company, but am writing to complain about just one very specific problem : they increased my interest rate when they shouldnt have. I 'm on an income-based repayment ( IBR ) plan, since I 've always worked for non-profits or city gov't. I have to re-certify every year for my IBR plan, and my recertification comes up during the summertime. I pay all my student loans through auto-debit from my bank account. In XXXX, XXXX, and XXXX XXXX, Navient correctly deducted two separate payments of {$24.00} and {$120.00} from my bank account for my XXXX and XXXX student loans. I re-certified for IBR. In XXXX XXXX, Navient deducted the wrong amount from my bank account. On XXXX XXXX, XXXX, Navient deducted {$840.00} and on XXXX XXXX, XXXX, deducted {$74.00}. This is because they erroneously returned me to a standard repayment plan, not IBR. This was their mistake, not mine. My income qualified me for payments of {$130.00} and {$13.00}. I called Navient and told them of their error. They said they 'd refund the money to my bank account. They did. On XXXX XXXX, XXXX, Navient refunded the {$840.00} payment to my bank account. ( Later, on XXXX XXXX, XXXX, they also refunded me the {$74.00}. ) In XXXX, Navient started deducting the new, correct IBR payments from my account : {$130.00} and {$13.00}. The same payments were deducted in XXXX, and XXXX, etc. I thought everything was fixed and back to normal. However, I noticed a new problem : Navient had increased my interest rate! This is a fixed-interest rate loan. I called them about it numerous times between XXXX and XXXX XXXX and thought the issue was finally resolved. Navient claimed that my account was delinquent, which allowed them to raise the interest rate. I asked how or when it was ever delinquent, since my payments get deducted automatically every single month from my bank account. They claimed that because they had refunded me the amounts that THEY INCORRECTLY charged me, my account had become delinquent. I had to repeat the story over and over, to various staff who I called various times, of how Navient had charged me an incorrect amount, and that was their fault, and they offered to refund it to my bank account, which was the solution THEY suggested, and I should not be punished or considered delinquent because of their error. I never refused to pay my loans, I never made a late payment, because I was on auto-debit. I merely asked them not to charge me an incorrect amount! I ca n't tell you how frustrating it was to repeat the history over and over every time I called them. I dealt with so many incompetent staff. I thought the issue was finally resolved based on the last phone conversation I had with them about it. My loan payments continued to be deducted automatically every month, to this day. Every month I check and make sure the correct amount is being deducted. However, just recently I decided to give my account a closer look. I realized they had never lowered my interest rate back to the correct amount! They were still charging me 2.625 % instead of what it used to be, I believe 1.625 %. I called Navient again on XXXX XXXX, XXXX, and spoke to someone for 42 min. about this problem. He said he was unable to resolve it himself, but would send an email to someone about it. I asked if he 'd CC me on the email, but he did n't. He said I 'd be refunded all the extra money I erroneously paid to Navient due to them overcharging me and increasing interest rate. | ||||||
| 07/10/2017 | Yes |
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| XXXX and I had a conversation about my significantly reduced income and Navient in XX/XX/XXXX/XX/XX/XXXX - XXXX provided me with a deferment application and information and directed me to send it to Navient. Navient did not take any action to my knowledge - they did not contact me at all. In fact I believe loans that I had in restructuring/repayment with another leander were sold to Navient once I was in " good standing '' again with the loans. Navient did not contact me until my payments were late in their opinion - even though 6mos to a year had passed since the previous loan carrier stopped taking automatic deductions from my account. When I contacted the previous lender, they said I just had to wait for the new loan-holder to contact me. I digress. When I contacted navient about late fees they began to assess I inquired about my economic hardship deferment and they said it was denied because I made too much money, which was not true. When I pushed them on this they would not provide any math or numbers to substantiate this. They said for family of XXXX cuttoff was XXXX per month, I made less than that and I proved it and they would not explain, show their work, make their guidelines policies or reasoning for denying available to me. Instead they acted like they were being the good guy - they put my loan into forbearance, and send me a new economic hardship deferment. I was especially careful on that one and it should have granted me a forbearance. Again, no communication, no response from Navient. Even when I called to inquire even 2 mos had passed since I had submitted it, all they would say is that it was received and being processed. They continued to send me a bill with a monthly payment I had never agreed too and could not afford, plus a late penalty every month. I inquired multiple times in XX/XX/XXXX - In XX/XX/XXXX they asked for additional pay stubs, which I provided. Even though I provided 2 pay stubs for XX/XX/XXXX and 2 for XX/XX/XXXX showing I made {$1200.00} a month they are insisting that those are weekly pay stubs. Additionally, they claim I uploaded the files to their site ( which sounds correct ) and that they can not access those uploaded files and they will not provide me with those files. They have told multiple times if I uploaded the files I should have the files on my computer, which I have and they do no match the data they say I provided. So they suggest I send re-upload them, but I would have not apply with a new economic deferment application, same cycle repeats again and again. This is the same way they denied the first application. I provided application showing I am within guidelines, I provide documentation. They deny, will not provide any proof or documentation. Then they offer to put my loan into forbearance and send me out a deferment application? This just happened to me today in XX/XX/XXXX, the 3rd time in a year they have played the same loop on me. This make no sense, this is clearly illegal they are ruining my credit and making near XXXX angry and frustrated. This student loan situation is financially, mentally, spiritually crippling my generation. The fact we ca n't go bankrupt or return our useless college degrees is just soul crushing. The companies collecting the money are absolutely corrupt and Navient is the worst I have ever encountered and I am sure they pay every congress person male or female right or left in XXXX DC. Please destroy Navient in court and help the USA out. We need to work towards one government controlled lender for student loans to mitigate out the huge mess we are currently in and moving forward - all college needs to be free, or the debt needs to be handling differently, this system does not work. Those who pulled themselves up by their boot straps and borrowed their way through college and being punished by an illegal lending system. | ||||||
| 05/16/2016 | Yes |
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| I am very disappointed in Navient 's ability to manage my student loan account. Navient 's inability to respond has cost me {$10000.00}, and almost half of my monthly income dedicated to student loan repayment minimums. I want to believe that Navient is good company, but action needs to be taken to address this injustice. I recently took a new position because they offered a {$10000.00} student loan repayment program ( SLRP ), and the final deadline to apply was XX/XX/2016. The application required loan verification from my loan provider on an employer form. On XXXX XXXX, 2016, I submitted the form to be completed by Navient, and followed up the next day. I was told the form takes XXXX business days to complete. I called after the XXXX day mark, and was told it would be done in the next few days. Navient knew my deadline. The next five times I called, I was told it would be marked as urgent, and completed soon. Around the next ten times I called, I was told it would be faxed and/or emailed, within XXXX hour time frames. I provided a fax number to XXXX locations, but I never received a fax or email. The final deadline for the SLRP program last Friday, XXXX XXXX, and I 'm devastated. I moved over XXXX miles for this job because of the company 's SLRP, and I can not apply because Navient did not return a form delivered to them more than three months prior. There is no guarantee this program will be offered again because of budget cuts. Every interaction I had with Navient was friendly, and customer service representatives knew what to say, but there has not been an established corporate culture of accountability for my account. Each time I call, a new representative promise the document will be completed. When I hang up, the promises end. The faxes never come, and the emails never arrive. I have cried, I have spent hours on the phone, and put on hold so long that the phone has hung up on me. I 've worked with XXXX supervisors, and I start back at the beginning with each new phone call. Each time I call representatives tell me I 'll have to wait more time, I honestly feel like they hope I 'll just give up. The SLRP meant the world to me. It would have represented more progress paying off debt then I can make on my own with ( with my current payments ) in the next decade. There are months that less than {$50.00} is paid to principle from my {$420.00} loan payment. In XXXX 2016, after recalculating income driven repayments would increase my payments by {$25.00}, my payments almost doubled to {$730.00}, and Navient simultaneously recalculated the payment date. In XXXX 2016, I paid {$1100.00} in student loan minimums, almost XXXX my monthly income. My family did n't eat much that month, and I knew deferring the new payment amount meant I would be ineligible for my company 's SLRP, as I need to current payment status to be eligible for the program. I am very disappointed in Navient. I count on Navient to be there for me, to be responsible and responsive for my student loans accounts. I have cried, lost sleep, and watched my family struggle without the ability to help because I believed that the SLRP form would be returned as promised. There are XXXX boxes on the form that I needed to be complete : Loan status, loan type balance, consolidation date, Navient 's name and address, Navient 's routing number, additional information ( if needed ), and title and signature of the person completing the form. I 've waited over three months, and I feel as if my dignity and voice have been stolen. Something needs to be done to address this injustice, and ensure others do not have this experience. I am still waiting on SLRP form to be returned, and in the meantime, I am struggling with student loan payments and the ideas that I moved XXXX miles, and lost out on a decade 's worth of student loan payments, essentially for nothing. Please help. Thank you. | ||||||
| 02/05/2016 | Yes |
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| Navient ( fka XXXX XXXX ), herein referred to as " Navient '', is reporting XXXX private student loans which it currently services to the credit reporting agencies ( CRAs ) as severely delinquent between the period of XXXX and XXXX. Although a secondary issue and not at the heart of my complaint, Navient is not reporting the delinquencies consistently among the XXXX CRAs, XXXX, XXXX, and XXXX : each CRA reflects slightly different months with late payments and/or severity, despite these being the same XXXX loans. Put plainly, not only is Navient reporting incorrect payment histories for these loans, it is also reporting them inconsistently. The primary concern with my complaint is that neither of these loans should ever have been reported as delinquent to the CRAs because I had submitted all the necessary paperwork to request an in-school deferment or forbearance of repayment before the earliest-reported delinquency was reported. Please let me emphasis this is not an issue of a retroactive deferment being granted and Navient being unwilling to change the reported payment status to the CRAs. This is an issue of Navient receiving my fully completed requests for in-school deferments, for which I was entitled, along with supporting enrollment verification, which I submitted in XXXX and then again in XXXX. Furthermore, according to the records of the XXXX XXXX XXXX, certification of my enrollment was electronically sent by them to Navient in XXXX. During this time, in XXXX, Navient sent me an e-mail message stating, " Congratulations, your request for deferment has been approved! '' However, this deferment was apparently never properly applied to the loans in question. If for some reason the loans were not eligible for deferment, this was never communicated to me by Navient, neither though e-mail, online statements, regular mail, or by telephone. When XXXX arrived and I was once again enrolled as a student, I sent new requests for in-school deferments of these loans, which were processed and applied in a timely manner. This resulted in the current " delinquent '' cycle ending. However, since I was enrolled during the period of XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ( XX/XX/XXXX semester ) : these loans were eligible for in-school deferment ; I submitted my request for in-school deferment ( on two occasions ) ; Navient received third-party electronic confirmation of my enrollment via the National Student Clearinghouse in XXXX ; Navient sent me an e-mail confirming that the deferment was approved ; Navient failed to apply the deferment to the loans during the period of XXXX to XXXX. Therefore, Navient needs to ( 1 ) admit to its error and correct the payment history with the CRAs to show the loans were not delinquent during this time period, or ( 2a ) it needs to offer an explanation as to why the loans were not eligible for deferment during the XX/XX/XXXX semester but were eligible for deferment during the XX/XX/XXXX semester, and ( 2b ) explain why, if the loans were not eligible, I received an e-mail advising me the deferment was approved, but never received any type of notification that the deferment was not going to be applied. On XXXX/XXXX/XXXX, I sent a XXXX page letter outlining ( in more detail ) the situation I described above. Along with the letter, I attached XXXX pages of documentation, including copies of my credit reports, my request for deferment, my enrollment certification, fax logs showing successful transmission of such, the e-mail Navient sent to me stating my deferment was approved, and other related documents. On XXXX/XXXX/XXXX, I received an electronic letter from Navient which stated, " Navient can not remove accurate information previously reported. '' It then asked for me to provide documentation of my dispute, such as copies of my credit reports, school enrollment information, etc. All of which I had sent. | ||||||
| 03/22/2017 | Yes |
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| On XX/XX/2017 I paid the remaining balance of {$950.00} on my Student loan # XXXX. On XX/XX/2017 I called Navient at XXXX ( 4 minute call ) inquired about separating out my loan groups. I had previously separated out loan # XXXX and loan # XXXX, over the phone with a Navient representative so that I could apply a higher payment to pay it off faster, and wanted to do the same thing with loan # XXXX. I was advised that they could not do this over the phone and I would have to go online discontinue my auto debit, separate my loans into the groups I wanted, and then re-enroll in auto debit. As advised by the representative I competed this online, and submitted a separate payment for XX/XX/2017 because I would not be enrolled in auto debit by the XX/XX/XXXX due date. On XX/XX/2017 I received a email stating that my payment was late. I called Navient at XXXX ( 9 minute phone call ) the representative told me that it would take 2-4 business days to process the payment and that it is currently processing and not to worry about it. On XX/XX/2017 I received a phone call from Navient at my place of work regarding a missed payment. I called Navient back at XXXX ( 14 minute call ), inquiring why they would call my place of employment when they had told me my payment was be processed. They told me their automated system places phone calls automatically. I then asked about my auto debit, and why I had to discontinue my auto debit and re-enroll to be able to separate out my loans when previously Navient had completed it over the phone. Navient told me that it was probably a miscommunication and that they could fix over the phone now. I asked Navient who miscommunicated because I knew it was not me. Navient said they did not know and asked how to resolve the issue, I asked Navient for the transcriptions of our phones calls to find out where the miscommunication happened. I was then informed in order to get the transcripts of our phone calls I would need a subpoena. During that phone call I also asked about the balance on loan # XXXX which was still {$22.00}. They informed me that there was still a balance of {$22.00} and that I would need to pay that amount to have my loan paid off completely. At that time I applied a payment of {$22.00} to loan # XXXX. On XX/XX/2017 I called Navient at XXXX ( 38 minute call ) after reviewing my account, and calculating interest rates, I discovered that the remaining balance of {$22.00} was not correct and the {$950.00} payment should have paid the loan in full. I told them they needed to look in the loan balance because the interest was not calculating correctly. I was told they would look into it and send me a letter regarding the discovery. On XX/XX/2017 I logged into my Navient account and seen a {$0.00} balance on loan # XXXX, and that the {$22.00} that I had applied specifically to loan # XXXX was evenly distributed to loans # XXXX,XXXX,XXXX,XXXX. I then called Navient at XXXX ( 19 Minute call ) inquiring who gave permission to allocate my payment of {$22.00} to my XXXX other loans. I was told that because they had discovered that there was an invalid balance on loan # XXXX I had overpaid it by {$22.00}, so they applied that money to all other loans. I was never asked how I wanted that {$22.00} to be applied or if I wanted it returned. I explained to the representative that I had authorized a 1 time payment for a specific loan, and did not give them permission to allocate my money as they saw fit. I then asked them to process a return to my bank account, I was told they could not do that but they could send me a check. I told them to start processing a check to return my money. On XX/XX/2017 I logged into my account to make sure my automatic debit had be processed. After reviewing my account I found that {$41.00} had been applied to loan # XXXX, not {$64.00} as indicated in my Auto Pay program document. | ||||||
| 03/04/2017 | Yes |
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| in XX/XX/XXXX, I was due for my first payment with the company XXXX, over XXXX dollars a month. After some frustration and tears they lowered my payment to XXXX. Apparently, what I did n't understand at the time was it was an interest only payment. It was n't until last year that finally I got a piece of mail saying that the payment plan I was on was no longer going to be available to me and my payments would go up past XXXX dollars. I called NAVIENT and spoke with someone told her I could not afford that. We went over numbers and taxes from the previous year and she said sorry looks like you can. I kept pleading with her I have federal loans and mortgages not to mention other bills. She was rude and uncooperative finally transferred me to someone else. This woman then told me another payment plan that would be about half that so we set it up. We put it as automatic payment. The payment withdrawal date was supposed to be on the XXXX of every month. Sure, enough the first payment did n't go through on that date and rather calling them because they are always difficult I made a XXXX payment just in case. Finally, the payment went on the XXXX of that month. I then got an email that said I had a document from NAVIENT, and when I went and logged on the site it said that I was overdue. Then saw I owed almost XXXX dollars. Turns out that the automatic Payment in XX/XX/XXXX got reversed though they could n't tell me why. They said because of that I was kicked off my payment plan and the amount owed went back to almost XXXX. To make matters worse they said that I could not go back on it. I kept arguing that obviously, it was their mistake and should n't be punished. He asked if I wanted to speak with a supervisor, of course I wanted. Once she got on the phone she spouted the same answers. I would n't accept it so she said she would put it through to the complaint department, they would investigate it and call me in a couple days. So, after waiting well over a month with no word from them I called. First off, they said someone called but your voicemail was full. Which was a lie, I had ZERO voicemails on my phone it was not full, also looked at the date they said they called XX/XX/XXXX, and I had not missed a call from them. As I spoke with the woman on the phone she stated that I was indeed on a payment plan for XXXX a month and she did not see a balance owed. So, after I hung up I obviously did n't believe her so after a couple days I checked my account and sure enough after already making the automatic XXXX payment it said I was overdue. I called again, a different woman stated that I was not on a payment plan and I could not go back on the one I was on. I must reapply for a new one. After pointing out this was their error she just said " Sorry, it 's finalized. '' So, after giving her all my financial information I was informed the next step would to have the one cosigner for XXXX of the loans to call in with their information. So, after having the cosigner call and them giving WAY too much information to him, they did n't even take his financial information so he had to call back. I called once that was done and was told that the lowest they could go was XXXX. I told them that was still too much, I was literally transferred 3 times before finally speaking with someone who then told me you have a monthly payment of XXXX and we can only take a XXXX of that off. They have been dishonest, from the start, but what I ca n't get over is that they kicked me off their payment plan due to THEIR error yet they refused to fix it. Now my credit score of XXXX is going to get pummeled due to the fact they think one person can afford XXXX a month. Even if I can get a new lender to combine both federal and private to make life just a little easier, I will probably still have to owe NAVIENT the extra XXXX dollars for each month that I apparently was not on my p | ||||||
| 02/15/2017 | Yes |
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| The majority of my student loans are with Navient ( formerly XXXX XXXX ) My issues with them started during the borrowing process but have come to a blowing point in repayment. Unfortunately when I went to college my parents were unable to pay for my education being the XXXX child to parents of an advanced age. I also did not qualify for a large amount of federal aid either because they were just above the income bracket. This required me to take out private loans if I wanted to further my education. However, given my age and lack of credit I did not qualify for loans on my own and it was required that I have a co-signer, my Dad co-signed for me although given his age and debt to income ratio he should n't have been able to. When I started repaying my loans, my Dad helped because he was still working and things were semi manageable as I had been able to enter into a payment plan via XXXX XXXX ( pre Navient transition ). When my Dad retired a year ago is when many of the problems started, I called Navient to let them know that my co-signer was retiring and he would not be able to help me with my payments since my parents would be on a fixed income. I was told ( in XXXX 2016 ) that they understood and that they would make note of that on my file and that it should n't be an issue. Fast forward 6 months and I call to re-enroll in my payment plan, on one particular call was re-routed 6 different times " to get me to the right person that could help me '' the lady I spoke to was n't terribly nice, I had to explain to her ( as well as all the others I spoke to my situation which meant repeating myself a lot! ) that I was calling to re-enroll in my payment plan, that there were notes on my file regarding my cosigner etc. I told her I had spoken to someone in XXXX about my co-signers retirement and had been told by the lady I spoke to that they understood and it would not be a problem. The lady that I was speaking with regarding re-enrollment told me that no one at Navient would have told me that, as they would lose their jobs. She heavily insinuated that I was lying and said that my co-signer had a legal requirement to help me with my loans whether he was retired or not. She then told me that they needed to re-asses my financial statement as well as my parents if I was going to attempt a payment plan, and in true Navient fashion she pushed me for a payment that day. Angrily I hung up and called back when I had the appropriate financial docs and a statement prepared at this point they had instated something called account managers which I learned later change monthly. After quite a bit of phone tag with Navient and my parents to coordinate all the appropriate info, everything was in and I waited a couple days for them to go over the numbers. When I called back to speak to my account manager, I was not eligible for the payment reduction and would have to pay the full payments of my loans ( {$1000.00} per month on a {$3200.00} per month income and mind you, these are not my only loans just the ones through this company ) I asked why that was because my wife and I 's debt to income was very nearly in the red and I was told by my account manager that her supervisor would not allow it as I had already been in a plan twice ( 1 plan =1 year of reduced interest and payments ) I explained to her that I could n't pay the total amount and have enough left to pay other bills and she said that on the credit union statement that they had received from my parents there was a $ XXXX IRA listed on the bottom and they were counting that as income. I let her know that it could n't be considered income since it was a retirement investment and their safety net, to which she replied that it showed that they could make the payments. I told her that that did n't seem ethical or make much sense since my debt to Navient alone is $ XXXX, it would only scratch the surface. | ||||||
| 02/12/2017 | Yes |
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| The student loan company, Navient, has caused XXXX big faults in regards to my student loan account. These faults have led Navient to erroneously charge numerous late fees and higher accrued interest onto my account. First, from XXXX through XXXX, Navient has incorrectly charged late fees onto my monthly statements on average of 10 times each year, the total amount equaling XXXX late fee charges over seven years. I had been receiving paper bills before this, but Navient suddenly began sending me electronic statements instead during this time without my knowledge. Unfamiliar with the new billing method and reliant on the original paper method to properly schedule my payments, I was uninformed of the correct due date for seven years. Navient neglected to inform me that I was making payments according to the wrong date and instead charged late fees as well as imposed over-charged interest for seven years. If Navient was an honest business, they should have let the customer know so that he or she could correct this issue as soon as possible. When I finally noticed that my account had accrued all of these late fees and interest charges in XXXX, I called Navient to explore possible refunds or redress. However, Navient declined to retroactively resolve account transactions. Second, I decided to go back to college from XXXX to XXXX. During this period, they put me in forbearance without consulting with me. If I knew that there was a way to lower the monthly payment instead of being put under forbearance, I would have done so. However, this alternative was never presented to me. It is well known, especially with the recent lawsuit against Navient, that this company wants the borrower to be in forbearance, so that his or her loan balance will continue to increase as full interest is not being paid. When I brought up this shady practice that is designed to increase Navient 's profits at the expense of student loan borrowers trying to make something of themselves in late XXXX, Navient refused to resolve this issue again. Third, Navient has hindered my online monthly payment process from XXXX XXXX until now. Their online system is faulty, and I have spent countless hours speaking with Navient operators and technicians to facilitate my electronic payments. I have called a total of seven times. However, each time, the customer representative merely brought up different excuses for why my electronic payments were not being processed instead of actionable solutions. I have visited my bank to check my bank account to see if the fault was from my end ( it is not ) and have re-uploaded all of the necessary information on their website again and again in hopes that the Navient electronic payment system will be fixed. What 's worse, while I have tried my absolute hardest to try and make my payments on time, Navient has been absolutely unwilling to assist me. In fact, their constant neglect in face of my complaints seems intentional. It seems as if they are purposely ignoring this issue so that I continue to overpay in late fees and have my interest increase. In saying so, I ended up missing the due date in XXXX XXXX due to technical difficulties that Navient has refused to address, and so paid more interest this month. My usual monthly payment is {$86.00}, of which {$18.00} goes to interest and {$68.00} is paid to the principle. But in XXXX, I paid {$47.00} to interest and only {$39.00} was paid to the principle. Navient operators have continued to falsely inform me that my interest has not risen, when my billing statements clearly say otherwise. I know for a fact that this incorrect allocation of my monthly payments is not due to any fault of mine, but the result of mismanagement on the part of Navient. Navient has systemically deceived borrowers. This is fraud, and I firmly condemn Navient for committing such financial crimes against nave students. | ||||||
| 03/03/2017 | Yes |
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| In XX/XX/XXXX, I attended a school called XXXX XXXX XXXX School of Idaho. I was XXXX years old. When I looked into enrolling they told me the school was about to be picked up federally for loan services. The school took my name, all my information and in two weeks said " sign this loan to attend '' no one reviewed or explained that even with my father as a cosigner our credit rating they gave us combined was poor. At the time he was over XXXX and I was over XXXX. Cosigned through XXXX XXXX was a XXXX or something like that. At XXXX who knows that, plus I was a state away from my parents who could not come into the office of the school to review the loan either. Basically finished course, could not get work because I was too young and no one recognized my school. Few years later learned the school did get picked up by a federal collage and they some how " lost my records ''. I have been paying on a loan that basically got me no work or possible work in the future. At the time XXXX XXXX told me tough luck and basically unless I had an attorney they would not assist me further because all the cared about was me paying my monthly bill, which was over 13 %. Once the full amount of loan was going, I could not afford it due to no job from my school training. Thought I did a deferment, ended up Forbarance. Few years later I still could not get an attorney to help me, I drove back to Idaho where the school was and confronted the president. He refused to help me short of basically re enrolling me through the program. Stated they some how lost three years of records from the last teaching staff when they left. I then was too busy with my XXXX and soon deploying to even have a chance to keep chasing attorneys. Navient had taken over my loan before XXXX, I had to spend three months and sending them my XXXX paperwork to get the 6 % loan rate while over seas. They kept telling me " it 's a private loan, you d not qualify foe any assistance '', in the end 6 % APR. While over seas my {$300.00} plus monthly payment would still only have {$95.00} dollars going to the actual loan on some monthly payments. When I called Navient they told me I have a variable APR, so the loan is at 6 % but yet we they hit me for a $ XXXX- {$310.00} in interest in one month, when the monthly payment was $ XXXX- {$350.00}. When I got back in XX/XX/XXXX, the school has mysteriously been closed. I called Navient and explained the whole situation and how due to statutes of limitation I was running out of time to get an attorney to help me with the school. All I was asking at the time was to have the paperwork sent to me to remove my Cosigner since I have not missed a single payment or late in the last 5 years. They were more then glad to assist, but yet no paperwork. When I called them they reassured me they were going to send the papers and do everything they can to help me. Months go by, nothing. Called again and the advisor on the phone got very rude, kept interrupting me, telling me I was the one who signed this loan and it was my problem. I asked if the call was being recorded for records and they did n't want to answer the question. In end, basically asked them do I need an attorney to just get me cosigner released, they interrupted me again and said the same thing every time I have ever called, " it is a private loan, you do not qualify for any help, assistance, or legal help ''. At this point I am in a different career of work, wanting to buy a home ect, but I can not get away from this company changing my APR monthly and payments are going up every couple of months now. I still have not received the Cosigner release, and last few conversations with them ended with no help, and they will not even let me speak to there fraud department. I get rerouted every time and spend an hour arguing with someone telling me, " Private loan, we do n't care just pay the bills ''. | ||||||
| 01/31/2017 | Yes |
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| To Whom It May Concern : In light of the recent legal action taken Navient, I wanted to file a formal complaint based on my ongoing difficulty with the company. I reached out to Navient in XXXX of last year asking for my options in lowering my payments as I was having problems keeping up with the monthly amount. The representative enrolled me in an income-based repayment program that lowered my payments to {$300.00} a month. I was instructed to make 3 consecutive on time payments in order for program enrollment to be complete. After two months, I noticed that my automatic payments for the loan were being returned. When I called to ask why, the new representative informed me that bank payments could not be accepted and that I would have to use a debit card ( or ACH ) payment. This was new information to me. She then pointed out to me that the repayment program that I was just enrolled in was not advisable as it added significant time and cost to my loan. She said that her managers would never accept this and that I needed to figure something else out. I am curious why 1 ) this repayment option was even presented to me 2 ) why is was presented and not properly explained and 3 ) why it would take several months for a manager to flag such a discrepancy. The representative then said that I needed to bring my account current immediately to avoid defaulting or affecting my credit. I was asked to pay roughly {$1000.00} immediately, which I was not able to do. The representative then told me that could enroll in a forbearance program to bring my account current. As such, my monthly cost would increase to cover the cost. I asked if they account could be made current due to the confusion and outstanding circumstances and if we could start a new program that was more suitable. She declined, saying that is n't possible. I asked why I was being made responsible for this error - especially after I was informed that the program I was enrolled in was invalid - she repeated that my only option was the forbearance and that 's " just the way it is. '' I recognize that I 'm responsible for checking my account and making sure that payments are being made, however, I saw those payments initially draft out of my account and I do not believe I should be expected to police my account when I usually do not have issues with the same payments. I also did my due diligence in following up with representatives in order to correct this very confusing matter. Regardless, I was forced to forebear and increase my monthly payments. I made arrangements with the representative to make my monthly payments later in the month to help alleviate some of the financial stress by aligning payments with my work pay schedule. During my most recent call with Navient last week, I noticed that I have been receiving late fees each month. When I asked why, the manager I spoke with said it was because my due date had n't change regardless of my payment drafting date. Despite my previous conversation with the other representative, the payment date was not honored and " it was my responsibility to make on time payments. '' I explained this entire situation and the manager deflected saying it was my fault and responsibility to handle my account. I can not fully express the frustration of this ongoing discrepancy that has snowballed over the last six months. Since graduating in 2008, Navient has made it increasingly than difficult to keep up with payments. At first, my only option other than making $ XXXX payments was to make reduced, " interest only payments. '' I 've been used my forbearances when necessary and had to make smaller fee-only payments on deferment periods, all of which do not contribute to my balance. When I read the news about the legal action against Navient, it rang so true to my experience with them and every conversation to clarify the matter leaves me scratching my head. | ||||||
| 03/22/2017 | Yes |
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| What can I say ... Navient has utterly and completely ruined my life. They have stone walled me every single time I have tried to lower or alter in some fashion my student loans, and as a result my credit score, and the credit scores of my parents have been significantly effected in a negative way. The most recent issue occurred this past month, and has seemingly come a close today. I have my student loans set up to auto withdraw every month from my account, and when one month passed with no withdraw I waited until the following business day to contact Navient to ask why it had not been taken out as the funds were available. They had told me that I was no longer in the income driven repayment plan so I asked to resubmit my information and they had told me that my parents had to have their finances reevaluated and after that time they will look at my finances and calculate my monthly payment amount. My mother had called to submit her information for their consideration at which time she was told that she was not authorized on the account and that I would have to authorize her. I called back today to authorize her and I was told by XXXX of Navient 's collections department that information was never needed and that the previous customer service representative had misinformed me. They had always been able to speak with my mom about her financial changes, but someone misinformed us all. When I asked if I could supply my financial status I was quickly told that I was no longer eligible to enter the income driven repayment plan because the enrollment period had ended. So I have to suffer because you and your team jerked me and my family around. She said that I had to pay XXXX dollars because that was my new bill, and when I told her I could n't pay that she told me that she was indicating on my file in collections that i was " unwilling to pay ''. Unwilling in my opinion means I have the money and I 'm choosing not to give it to you. Facts are I am barely making enough to feed and house myself. I do n't have health insurance. I do n't even have money to get myself glasses or contact lenses. I ca n't operate a vehicle anymore because of my lack of vision. I make just enough money to pay my landlord, pay for food, and pay my student loans. Over the last 2 years since my account was transferred to Navient my credit score suffered. When I moved out my parents house I asked for my payment to be recalculated to take into consideration my new bills in which they said absolutely not. When I was laid off I asked for help to which again I was told absolutely not. When I found a new job and had been put down to part time. I asked for help ... .they said : absolutely not. They have been unwilling to work with me. They have insulted me via phone. Made assumptions of my character based on my life circumstances and inability to pay and have decided to take it upon themselves to tarnish my record by saying I 'm unwilling to pay when in reality IM NOT ABLE. They have already taken my credit score, and along with it any hopes of a successful happy life in the near future. No matter what happens I 'm going to be struggling to keep my head above water, and to make ends meet. Even if my student loan payments were lowered, when they refused to help me my only course of action was to put my monthly student loan balance onto credit cards. I am in all sorts of debt now. I 'm always going to be playing catchup and all because they would never extend a hand and help someone out who could wholeheartedly and honestly prove their life circumstances had changed. My dads credit score is ruined and I still have XXXX more sisters that need to go to college. How is he going to be able to co sign for them now?? Now their lives are effected. I just do n't understand why a company that seems to hate people so much gets in a line of work that has so much power over their lives. | ||||||
| 05/14/2016 | Yes |
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| I called to reapply for the Rate Reduction Program today. I first spoke with a woman named XXXX, who transferred me to her supervisor, XXXX, who eventually transferred me to a man named XXXX. Between these XXXX people, I was not able to reach a monthly payment amount that I can afford. Last year when I went through this process, the person I spoke to wanted to raise my interest rate from 1 % to 3 % despite my cosigner and me struggling to make ends meet at the 1 % interest rate. This person suggested I find ways to cut back on monthly expenses such as on food. I asked him if it is a company policy of Navient 's to suggest its customers go hungry in order to pay back their debt. He said no. We eventually negotiated to a 2 % interest rate which was still above what my cosigner and I could afford on a monthly basis. In the past year, to make ends meet, I did actually have to skip meals to make this monthly payment. In the last twelve months I have lost XXXX pounds due to lack of food. For my age and height, I am now considered XXXX. This year, XXXX made a number of offensive and absurd suggestions to get me to pay the new amount : -He suggested I look for a second job -He suggested I try to refinance this debt with another company -He suggested I apply for government assistance -He suggested I call my landlord and request that my rent is reduced Are these company policies of Navient? To ask their customers to work seven days a week? To ask their customers to take from the government to pay for their loans? To ask their customers to risk being evicted? I am, for all intents and purposes, an indentured servant to Navient. I will remain an indentured servant for the next 25+ years. I do not go out anymore, I do not socialize, I do not buy clothes, I do not go on vacation ; I do not do anything. I live to pay off these loans. I work, I come home, I sit alone, I go to bed, and I get up and do it again. I am also in more debt than I was last year. To make ends meet I had to lean on credit cards to get by. Along with this additional debt is an additional monthly payment that I can not afford. My Federal Student Loans, which totaled roughly {$100000.00} when I graduated from college, have increased to roughly {$110000.00} today. The reason for this is my monthly payment to Navient is so high that I can not even pay the minimum monthly payment to my Federal Loans to break even each month on the interest that accrues. Each month as I slowly pay down my Navient Debt, my other debts slowly increase at about the same rate. Despite these circumstances, today when I reapplied for the Rate Reduction Program, I was told that my interest rate and payment amount would have to increase again anyway. My cosigner and I reiterated our financial circumstances and the fact that we are not making ends meet at our current interest rate, but the Navient employees we spoke to just repeated the same statement over and over like a broken record. The XXXX options I was left with at the end of the call were to accept a 2.5 % interest rate for the next XXXX months ( which would increase my monthly payment ) or to accept a 2.5 % interest rate for the next twelve months and have the length of my loan extended by a few years ( which would keep my payment the same as it is today ). Neither of these options are a sustainable solution for the predicament I am in. I can not afford my current payment as it stands today, so neither of these options are realistic. I also can not extend my payment out by a number of years to get by for the next 12 months knowing that next year Navient will raise my interest rate again and I will again not be able to afford the payment. I am on the verge of defaulting because I can not afford my payment. I propose Navient reduces my payment to {$750.00} a month for the remainder of the loan terms. This is a realistic and sustainable solution. | ||||||
| 02/23/2017 | Yes |
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| Hello, In full disclosure, I want to point out that I sent a version of this to the attorney general 's office of XXXX. All I want is for my monthly payments to go down. -- - Here 's a quick history of my life to get to why I 'm now paying $ XXXX/month to Navient after graduating with a XXXX from XXXX in XX/XX/XXXX. First, the numbers. The Numbers : In XX/XX/XXXX, I started a XXXX account. If I do a quick search today, XX/XX/XXXX for my " student loan '' category, it shows that I 've paid {$44000.00} towards student loans since XX/XX/XXXX. At that point ( when I was XXXX ) had XXXX separate payments per month that were generally around {$510.00}, {$140.00}, and {$65.00} ( total : $ XXXX/m ). This number would fluctuate, which I 'll go into more below. On XX/XX/XXXX I paid off XXXX small loans ( using a good chunk of my tax refund ) totaling {$6200.00}. As of XX/XX/XXXX, these are my balances : Private Loan 1 : Original Principal : {$40000.00} Interest Rate : 4.5 % Current Balance : {$35000.00} Repayment start date : XX/XX/XXXX Private Loan 2 : Original Principal : {$20000.00} Interest Rate : 4.5 % Current Balance : {$20000.00} Repayment start date : XX/XX/XXXX Federal Loan : Original Principal : {$17000.00} Interest Rate : 6.75 % Current Balance : {$13000.00} Repayment start date : XX/XX/XXXX I want to know why I 've only paid off a total of {$8100.00} from my original balances ( {$77000.00} ) compared to current balances ( {$69000.00} ), despite paying a total of at least {$44000.00} the past 7 years. The Story : ( An exerpt from a longer letter sent to the attorney general of XXXX ) When I moved to XXXX in XX/XX/XXXX, my employment was patchy at best. Despite years of working XXXX as well as a degree XXXX from one of the top XXXX schools, I was not able to land a steady job that would pay enough for my loans. On XX/XX/XXXX, I was hired at a small XXXX company, where I get paid around $ XXXX/wk. ( More if I work OT, like I did today. ) Once I calculated my take-home, I paid what I could on the Navient website. Two weeks later, when I was paid again, I paid what I could on the website. Still got the calls though. Called the collections dept. at Navient and set-up a payment plan of about {$350.00} every two weeks ( once again, when I get paid ). Gave the representative my checking account info, since I wanted the money to come out directly of my account as fast as possible. The first payment did n't go through. It was supposed to withdraw the day after I was paid, so the money was in my account, it was just a glitch on their side. Got a call that I was delinquent again, went though my information, paid them with a debit card as a one-off, but not the full amount for 4 weeks, just half of it. Two weeks later, the withdrawal did n't happen again. When it did n't happen again, I paid online, because paying online always works. As I later found out, paying online did n't do anything to the payment plan I set up. So every time I paid online, it still viewed my account as delinquent. In talking to a customer server rep, she said it would take a few payments to go through before my account was brought to current, maybe even less since I had been paying online. But since my payments were n't going through when I spoke to the rep, I felt like I was at a stand-still. The next time they called I lost my cool and got the number of the ombudsman. On XX/XX/XXXX, four months after I started a full-time job and in good faith tried to get a repayment plan started, the Ombudsman I spoke to ( XXXX - XXXX ) said if I set up a monthly auto-pay plan, my account would be brought current instantly after the first payment. And it worked. My account was immediately brought current and the payment went through. I paid four months of unnecessary late fees, credit score hits and constant phone calls, just because I did n't talk to the right person | ||||||
| 09/28/2016 | Yes |
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| I had recently agreed with XXXX to a payment deal on my student loanl, and had already begun paying the amount agreed upon. They assured the agreement was settled and nothing could void it. They also collected the payments I had submitted. When I went to pay this month, I could no longer login on the internet to pay through the account number they had given me. When I called to pay by phone, they had told me that Navient took my debt back and sold it to another debt collector. I asked how that could be, and the man could not answer me. When I called Navient they said XXXX had never disclosed to them about my payment plan. When I called back XXXX, they blamed Navient and said they had told Navient about my payment plan and Navient still voided it. When I asked XXXX if Navient and them are the same organization, they said no. Thus, why did Navient take my payment plan away from XXXX, if they are not XXXX entity? No response. When I asked if Navient had the authority to do that, he curtly said no. When I asked if XXXX could fix it, he told me only Navient could, which is why I called Navient again, whom said only XXXX could. I continued to ask either party whether they were connected or under the same organization, they both denied the other, but Navient could take away my student debt payment plan after I had agreed with XXXX. It made no sense, and neither party wished to make things clearer for me because both admitted a mistake had been committed but it was " the other 's fault ''. Moreover, all the money I had given to XXXX in monthly payments has vanished as not XXXX person has told me where that money has gone or if it went towards my debt. No one was helping me undo a mistake they both had admitted to have been done. I have called both Navient and XXXX, a few times, to try and figure what is happening and if they can help me, but, so as to not accept the wrong that has occurred, their customer service has grown meaner by each call. The first time I called each one apologized for the mix-up and blamed the other. When XXXX told me to call back because they would try to speak to Navient to fix the issue or see what they could, the man began to speak aggressively towards me and tried to deny everything he had said previously, in terms of claiming, that Navient was not supposed to cancel my payment plan from XXXX : a supposedly separate debt collection agency.Yet, he admitted that he had reported the mistake to Navient as a managerial complaint, but Navient was ignoring him. Now, I have a third debt collection agency calling me about the same debt. I feel insecure, unsafe, and incredibly distressed by the fact that XXXX debt collection agencies are fighting over my single debt that I began to pay, and no one can undo the supposed " mistake '' of cancelling my XXXX payment plan and taking the money I paid without even reimbursing me. I would like my payment plan back, and no one at XXXX, Navient, or the XXXX collector has a clue how to help me, yet they all want me to pay on the same debt. Yet, I WAS! Each one has no idea how to proceed in this issue, and I am terrified that Navient will take my debt from anyone after a few months pay, and that money will disappear, as it currently has, and I am stuck in limbo trying to figure out what is my payment deal going forward. It is absolutely devastating to feel like your economic load might be lightening, and you have gotten ahead on paying your debts, only to be misled and treated like trash by now XXXX debt collection companies. I repeat because of Navient, with the assistance of XXXX, I have a total of XXXX debt collection agencies on me for the same student loan I was paying, and that money has not been reimbursed nor will anyone say if it has gone toward my debt. Sad, helpless, and anxious is how I feel because of how cruelly I have been spoken to, my missing money, and the lies. | ||||||
| 01/19/2017 | Yes |
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| Several years ago I had fallen behind on one of my school loans issued by my school. I was current with all my federal loans at that time though. I had XXXX and XXXX XXXX as servicers of the federal loans. I received a call from someone claiming to be from the department of education and he informed me that I was going to be in default of my university-issued loan. He said if I consolidated the loan to XXXX XXXX that it would stop the process, plus put me into an income based repayment plan. I did not want to include the XXXX loans but he said that all my loans had to be included for it to be approved. So I was mailed XXXX + pages of paperwork to fill out - there were employment records, tax info, new promissory notes to XXXX XXXX, etc. It took me several days to complete, plus I had to include copies of pay stubs, taxes, etc. I faxed the completed forms to the company. I was contacted later by the person, stating that I was missing certain forms. I re-faxed them. He completed the paperwork and sent me another packet to sign. I did as instructed and was informed that all my loans were now with XXXX XXXX. I was also supposed to be in deferment. Looking back now, I wonder if the person I worked with was not actually a XXXX XXXX rep looking to bring in money. Shortly thereafter ( only a few months ), XXXX XXXX became Navient. I received a bill several months later from Navient, saying I was several months late on repayment and the monthly rate was 3 times what my repayment plan was for. I told them to was supposed to be deferred and that even if I were n't, my monthly payment was supposed to be much lower due to the income-based repayment plan. First they said they had no record of my agreement. Then they changed that to the claim that my repayment plan terms had expired. They put me in forebearance and I asked them to send me the income-based paperwork again. They said the papers would take a while to get there. They put me in forebearance but never did send the forms. I contacted them again and again they said they 'd send the forms. A coupe of more months went by and I never received the papers. I was offered forebearance again. Papers were supposed to be mailed, they never were. Late fees added, interest racked up, forbearance issued. We 've been going round like this now for several years. Sadly, I gave up years ago on getting any help from Navient. My loans have increased substantially due to interest and late fees. They make it almost impossible to get an answer or assistance. The last time I spoke with Navient was several months ago. My husband was losing hours at work and I work XXXX jobs ( both within my degree field, but both categorized " as needed '', so hours worked can vary from no hours to XXXX/wk depending on the month ) but we were struggling financially. I really hated having those late school loans over my head though, and wanted to attempt to bring them current. They offered me a repayment amount that was not within my means at that point. I told them so, but they still pushed the amount, claiming that even though my yearly income was low, my past few months income disqualified me from having no payment ( even though my I explained that both jobs are " per diet/adjunct '', and we have XXXX children in the home ). I reluctantly agreed. But I was never able to make a payment. It 's financially impossible at this point. Again, I received an email asking me to reply " yes '' for a forbearance. My forbearance has just recently run out again and I 'm again going to try to get some kind of affordable repayment plan, however, I have no faith in Navient to help me. And even if they offer a payment, the interest is so high that I know my loans will increase again due to interest not being paid through such a low payment. I fear that I will never be able to repay at this rate. So much for bettering myself through education. | ||||||
| 10/07/2015 | Yes |
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| I have Private Student Loans with Navient my co-signer is a US Veteran XXXX from approximately from XX/XX/XXXX-XX/XX/XXXX in XXXX. My initial loans were generated in XX/XX/XXXX because my course of study was not covered by Federal Loans ( so I was told ). The amounts of the loans were XXXX at 5.25 % generated on XX/XX/XXXX and {$4000.00} generated on XXXX/XXXX/XXXX. When I graduated, I had to request forbearance because my husband was unemployed, and I was handling some of my stepson 's bills, paying rent and I could not afford to pay the loans back. I told them at the time that since my stepson was XXXX I had to cover some of his bills and mine and was financially strained so I asked for deferments and forbearances. My step-son left the military and was without a job in XX/XX/XXXX. My husband and I had to support him for about 2 1/2 years. We had pay cuts due to the financial crisis and I asked for a hardship forbearance. They told me I had used them all up but that to protect my account I could make interest only payments. So I did. I was very stressed with all the federal and signature loans and financially strained. In XX/XX/XXXX I was diagnosed with the beginnings of XXXX XXXX. In XX/XX/XXXX I started XXXX. I had XXXX in all from XX/XX/XXXX through XXXX XXXX. I had contacted XXXX XXXX to obtain a medical deferral and/or forbearance which they say they granted. When I finished my treatments late in XXXX I was behind on many of my bills and I had to start paying student loans with XXXX XXXX / Navient. I told them that I was still struggling financially and they said they would work with me that I could set up post-dated payments under a new program they had and once again they stated this would protect my account. I was never told the program was not approved and I thought they acted in good faith as I had considering I had been through a XX/XX/XXXX of living XXXX. When I got my credit report I saw that all the time they cashed payment which to me is representative of a binding agreement they never protected my account. They reported lates ( several ) on my credit report and that of my stepson. My stepson was denied Federal employment and I am burdened with still maintaining him financially at some capacity due to the negative reporting by Navient. I even pleaded with them to release the co-signer and they refused. In XX/XX/XXXX, I spoke to an attorney and I had to raise the money to file bankruptcy. It took me almost a year. I filed on XXXX XXXX and the loans were discharged on XXXX XXXX. The 5 months of bankruptcy the accounts were protected under the stay. I started paying again. I have asked Navient to correct my credit and they refuse. They have damaged my credit and my stepson though I acted in good faith. They are charging me and my stepson 6.25 % on XXXX of the loans when the cap for those deployed under SCRA is 6 %. They are refusing to adjust that as well. They were already sued by the Dept. of Justice for violations of the SCRA $ XXXX dollars. I am asking that my credit file and that of my co-signer be fixed since it is full of errors. They lie and are refusing to do so. I have filed complaints with other regulatory agencies. I am adamant when I say I want all files repaired to show the payments and deferrals that were made/granted. To date the loans have increased due to fees, late payments to a whopping {$15000.00} and {$6600.00} respectively. This is what reflects on my credit file. That is an increase of approximately {$5000.00} and {$2600.00} for the other. This is usurious and abusive. They are taking advantage on the situations of individuals and in the process also ruin their creditworthiness intentionally. They have no regard for agreements made on the phone with customer service. What I really wish to happen is to have the Credit Reports fixed finally with all CRAs and in addition have my Step-Son released | ||||||
| 09/14/2016 | Yes |
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| In XXXX XXXX after completing graduate school, I consolidated my federal student loans into XXXX consolidation loans totaling {$34000.00} with XXXX XXXX, which are now serviced by Navient. As soon as I had the income to do so, I made arrangements to make automatic monthly payments well above ( and, if memory serves, nearly double ) the required monthly payment with the excess going towards the principle. By paying {$510.00} each month, as of XXXX XXXX I had paid down the outstanding principle to just {$2500.00}. That 's when Navient decided - without my authorization - to reduce my monthly automatic payment from {$510.00} to just {$30.00} and to extend my repayment term by 9 years to XXXX XXXX. Navient 's notification ( attached ) reads : " Federal regulations require that the length of the repayment term for the subsidized and unsubsidized portions of your consolidation loan be the same. However, a recent review of your account revealed that the repayment term assigned to each portion of the consolidation loan was different. To correct this, we aligned the repayment terms on your consolidation loan to the maximum term permitted by federal regulations, the largest number of months allowable to pay the loan in full. '' Navient noted that " If your payment was reduced and you would like to keep your existing payment, please contact us at XXXX. Paying more than your minimum payment will enable you to pay your loan off more quickly. '' No kidding. That 's precisely why I proactively made arrangements to make an automatic monthly payment well above the minimum payment years ago and why I had paid off {$31000.00} of my original principle plus interest. Had Navient not taken it upon itself to reduce my automatic monthly payments and with just five more payments of {$510.00}, all of my student loans would have been paid off by XX/XX/XXXX. Instead Navient asserted some nebulous federal requirement to justify a correction that just so happened to translate into more interest income for Navient and more hassle for me or even worse me paying an additional {$680.00} in interest on {$2500.00} if I did n't get Navient to revert to my prior repayment arrangement. After spending some time navigating Navient 's overly simplistic website to find documents ( only available by linking to the old site ), today I called for an explanation of this change. The representative initially stated that it looked like a request had been made to lower my payment. I clarified that I had not requested any reduction in my automatic monthly payment. He then stated " we were expecting them to be paid off later. '' Exactly. I was paying my loans off faster than Navient had expected thereby cutting into its expected interest income. By reducing my payment amount and extending my term, I would pay an additional {$680.00} in interest on {$2500.00} ( see attached ) instead of making just five more payments of {$520.00} and paying a few bucks more in interest. The representative was quick to process my request to revert to paying around the same amount ( {$520.00} ). However, the speed with which he happily adjusted my monthly repayment amount combined with his statement about paying my loans off faster than expected, left me with the impression that Navient is counting on its customers not following up about such changes. For me, the difference in the amount and term was dramatic, but I ca n't help wondering how many others have seen their repayment amounts drop ( and repayment terms extended ) without realizing how much more they 'll be paying over the life of the loan. Particularly when couched in terms of a nebulous federal regulation, this seems deceptive. I would like Navient to provide a citation to the federal regulation in its notice and documents showing that the subsidized and unsubsidized portions of my consolidation loan indeed differed as alleged by Navient. | ||||||
| 02/09/2017 | Yes |
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| In 2011, I had met the published requirements for release of cosigner ( 24 on-time payments, steady employment history, etc. ) with XXXX ( now Navient ), and had contacted the company to begin the process to do so. I called XXXX XXXX to discuss obtaining the paperwork, and the customer service representative that I spoke in the initial phone call assumed that I would not be able to qualify when they re-read all of the requirements back to me, forcing me to re-acknowledge back to them everything that I had already done in preparation for my initial phone call. I was finally able to receive and submit the paperwork having met all of the requirements, and found out about a month later that I was denied. The customer service representative I spoke with on my follow-up call was very unhelpful and in my frustration I requested more detailed information on the specific underwriting requirements that my request was being held to. It is my understanding that when you are denied for a credit product ( as I had been ), you are entitled to the specific reason for the denial, as well as a free credit report. This particular customer service representative at XXXX XXXX tried explaining that I was too risky of a customer to allow cosigner release, without giving me the specific details of my risk level, or any kind of useful information I could use to better my credit situation. I then became increasingly agitated while on the phone resulting in directly asking what I needed to do to get released, and the representative told me that if I applied and received a mortgage, that would help me qualify. That statement as horrible financial advice instantly offended me, as I believe it to be illegal to tell consumers to go into more debt to qualify for a loan product. As a responsible young adult at the age of XXXX with a sizable student loan balance, even with a steady job in my field of study, I was under the impression that I would not qualify for a mortgage at that particular point in time, due to my loan balances being too high in proportion to the original amount borrowed. This turned out to be the actual reason I was denied release of cosigner, and I was only able to obtain this very pertinent piece of information I found out through requesting my credit report at a later date. As a result of not being able to modify my loan, I believe that it had an adverse impact on my cosigner 's mortgage rate, my younger siblings ' student loan rates, and my personal stress and anxiety level. Fortunately shortly after the Navient split, I qualified for a private student loan consolidation with XXXX and have enjoyed their excellent customer service and interest rates, and never have to do business with Navient again. After my consolidation loan was funded by XXXX, Navient once again proved to be a difficult company to do business with and refused to release the overpayment amount to XXXX, instead issuing me XXXX separate checks, XXXX for each loan that was paid in full, when it was explicitly instructed that any over-payment amount should be returned to the other lender. It baffles my mind how they would assume that somehow I would be able to do anything with those checks, and when I called requesting that they do what they were supposed to, I was met with resistance and misunderstanding of a simple process that happens hundreds of times a day in the financial sector. I recently became aware of the pending litigation against Navient on numerous allegations of misapplication of payments, unclear information provided to customers, and most importantly their lack of providing information on how to qualify for cosigner release. I wish to add my story to the latter complaint, and do not require any response from the company as I have already terminated my business relationship with them and am thoroughly enjoying not having to deal with them anymore. | ||||||
| 01/29/2017 | Yes |
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| Good afternoon, I have a loan with Navient- it started as a loan with XXXX . XX/XX/XXXX I took out just over {$26000.00} to attend XXXX XXXX XXXX college. Since that date, when I have paid back just over {$23000.00} combined between interest and principal. As of today I owe just over $ XXXX so even if I were to be able to pay it off completely today it would amount to {$39000.00} in interest on top of principal. I have XXXX loans combining this amount, XXXX with a 5.25 % interest rate which was my first loan that has a cosigner. The second has a 9.25 % interest rate, both variable- yet they have never varied. I tried communication through their " e-mail us '' option as I was tired of the XXXX red-tape. I was even told by one phone conversation that never in the employees time has he seen XXXX lower an interest rate. E-mailing through their website proved to be just as useless. I decided to look at their annual report to see where I could find the names of Board of Directors and an address of a corporate office. I found such an address and stated in one of my on-line e-mail conversations that I would be sending letters there, in which they replied that it was not an official address of Navient. So I was lied to. My true desire is to renegotiate the amount I owe as I can not come to terms paying well over 100 % of the principal on a non tangible good. From that communication I insisted I be called be somebody in their corporate office, this too proved to be fruitless as the woman basically explained it was my fault the loan had reached such a high amount. As well as the school should of better explained it to me, when I was XXXX apparently. I had noted that from reading their annual reports that they reported XXXX in dividends for the year XXXX and how it was fair that I must pay {$450.00} dollars a month while they apparently have so much money they can pay XXXX in dividends as well as a CEO taking in over XXXX a year in salary- in which her reply was " that is just political ''. - Most recently I field for a co-signer release as I now make nearly $ XXXX a year, although after deductions of over $ XXXX and my {$450.00} a month to Navient- it is not an impressive salary. I filled out the release form in which one of the requirements was to provide proof of income- in their denial letter that had XXXX rejection reasons, not providing proof of income was one of them. I e-mailed them asking how that could be a reason and where my pay stub that contains sensitive information went too. They also require me to provide proof of graduation, this I never officially did due to the fact of the overwhelming debt burden I had to go to work full time and then some. I just bought a $ XXXX home myself and they are telling me they ca n't release a co-signer. - I also find some of their practices to be fraudulent. For many months as i logged into the website it showed my account had a XXXX due balance, although my statements proved otherwise. I was a business student so I knew to continue to pay the statement amount or face credit disaster or apparently aggressive debt collection that my state of Connecticut is suing against. When I questioned them on this matter they stated that my account never showed the XXXX due balance and just like that it was back to normal- after my notification. In hind sight I probably should of come here first. Although I took screenshots of the XXXX due balance and copies of my e-mail correspondence although those could be subpoenaed if it escalated to that point. By no means am I trying to get out of paying a debt, I expressed this to them and wish to settle- I asked to do so. So I emailed and they gave me a phone number to call stating I could use that to settle, upon calling that number ( all in e-mail backup of this ) - they stated they do not settle loans. But I stated, you sent me an e-mail stating you do. | ||||||
| 01/20/2017 | Yes |
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| Navient would contact me multiple times a day and sometimes would leave messages and sometimes they would n't. They continuously bothered my XXXX stricken grandma who was my cosigner that has recently passed away. Everytime I would call to speak with them to attempt to work with them on adjusting my private loans to something I could afford considering our family is a one income family due to my husband is trying to get work they refused to work with me. Navient employees have been rude, inconsiderate and not helpful and refused to drop how much i was paying monthly. One time I called spoke with a very rude employee who stated he needed my financial statement and afterwards explained he would need one from my borrower and I continued to explain she was in a XXXX home and had stage XXXX XXXX and unable to answer questions and her executor of the estate was not willing to help me he became very rude with me and i asked for a supervisor many times and he refused to allow me to speak with one. There were many conversations with Navient telling them about my financial situation and they still refused to work with me and they refused to allow me to speak with a XXXX or supervisor anytime I asked. I had made a large payment to them that about took everything I have it was XXXX to get my loans caught up and I was told if i did so they would work with me on a different payment plan. After making the payment online i contacted them to set things up and they came up with different rules and regulations that i was not previously told about. That i was n't allowed to make that payment online and would have to wait a month to set up a payment plan, that the new payment plan was going to be automatically deducted from my bank account which i did not feel comfortable setting up with them because every person i have talked to there have told me multiple different things and changed multiple things required of me and i felt everytime i called they were lying to me. I had contacted them regarding the phone calls and letters to my co-signer due to her condition and they told me what i needed to do and send a certified letter to them. They stated I needed to send a cease and desist letter explaining her medical situation and that it was causing her distress with all the constant letters and calls. I sent a letter which i have a copy of to them requiring a signature and for them to send a signed agreed copy back to me. I received a letter over XXXX months later from them stating because my cosigner was not the one who signed the letter they only recognized the for me, which when i called no one told me anything about her signature needing to be there to stop the letters and calls only that as the borrower I was able to send a letter on her behalf due to her medical condition and when i called they changed their story of the rules that applied. Needless to say my grandma passed away before i could resend the letter. Upon her death i tried to contact them to get information of what needed done to release her from the loan and after multiple calls I gave up because all they did was change what i had to do or where i had to call and never addressed the situation and constantly kept pushing me around to different departments then telling me to call different phone numbers and i would end up the same place and explaining myself multiple times and they refused to help me and were extremely rude in my time of grief. I refuse to contact them again due to they never can get their rules, policies and procedures correct and everytime you speak with someone they tell you something different or they miss parts of the procedures that you do n't find out until you call back which is frustrating and it was n't until I was at the point of defaulting that they even wanted or attempted to work with me but even then they did n't help at all but all they did was lie. | ||||||
| 02/11/2019 | Yes |
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| XXXX XXXX ACCT # XXXX TEL XXXX XXXX XXXX XXXX. XXXX MI XXXX XX/XX/XXXX I am writing this letter to file a formal complaint against XXXX XXXX-specialist and her alleged supervisor XXXX XXXX. During this debt collection process I have repeatedly asked for written confirmation of payments made to be sent via email. Each time Ive asked I am told that the company will not send out such statements and that in order for me to keep track of my payments I need to check my bank statements and add them up. Ive complained several times and as a result was sent out 2 additional statements reflecting the settlement agreement and payments made. The 1st was begrudgingly sent on XX/XX/XXXX. I asked again for a statement on XX/XX/XXXX and was again met with strong resistance. After persisting in my request, I was transferred to a supervisor who met my request only after my insisting that the documentation be sent as a measure to avoid any misunderstanding as to amounts paid, outstanding debt, and expected payments and completion date. We came to an understanding that I wouldnt ask for this type of document for the remainder of the repayment process and that a final report would be sent to me nearing my due date in XX/XX/XXXX. On XX/XX/XXXX I finally received the documentation via email. On XX/XX/XXXX I called my specialist Ms. XXXX XXXX and requested a verbal confirmation of my remaining balance. She stated on a recorded line that my settlement balance for account # XXXX as of XX/XX/XXXX was {$3300.00}. I asked her was she absolutely sure of that balance and she stated emphatically that she was SURE and that was my remaining balance. I accepted this Information as true and proceeded to make a {$1000.00} payment, and I scheduled an additional {$600.00} payment to be processed the following day and to clear the following Tuesday XX/XX/XXXX after the federal holiday. These payments both posted to my bank account, and based on the balance I was quoted by Ms. XXXX I was working with the assumption that my remaining settlement balance was {$1700.00} On XX/XX/XXXX I called and initiated an {$800.00} payment which cleared my bank on XX/XX/XXXX. Once again relying on a professional trust of my specialist Ms. XXXX XXXX and the info she provided me during our recorded conversation on XX/XX/XXXX I assumed that my settlement balance would be {$960.00} after the {$800.00} payment posted. On XX/XX/XXXX I called to make what I thought would be my final payment. I again request my current and most recent balance and to my extreme disappointment Ms. XXXX quoted a remainder of {$1400.00} more than {$600.00} above my calculations based on the information provided to me by her on XXXX XXXX. She provided absolutely no explanation for her misrepresentation and went in circles argumentatively. she then called our conversation an argument when I demanded an answer for her actions and questioned her about giving me misleading information. She took absolutely no responsibility for her distortion and implied that it was some how my responsibly to keep track without any written confirmation of payments and withstanding her misrepresentations of my accounts accuracy. I am writing this letter to formally complain and request that my account and all communications be reviewed and taken in account in determining the accurate and remaining balance of my settlement agreement. I also ask that this complaint be escalated to the next level as I have already spoken with Mr. XXXX XXXX and he has upheld Ms. XXXX misrepresentations and rhetoric repeatedly while at the same time apologizing and patronizing me. The date of this letter is XX/XX/XXXX and my settlement due date is XX/XX/XXXX so time is critical at this junction as I intend to keep my commitment to settle this debt. Thank you in advance for your help with this matter XXXX XXXX ACCT # XXXX XX/XX/XXXX XX/XX/XXXX | ||||||
| 02/09/2017 | Yes |
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| I am writing on behalf of myself and my wife to put on record our concerns regarding actions related to repayment of my student loan with Navient. About three months ago, we reviewed and analyzed all of the aspects relating to my student loan situation. We specifically looked at an issue where we had tried a number of times to attempt to make a second/additional payments monthly, only to have it reversed. We want answers to the questions that remain and we do not feel that the answers we were given by Navient are satisfactory or truthful. Here is why : In reviewing our bank statements, there are additional payment attempts that are shown as transactions on a monthly statement from our bank but when compared to our Navient loan payment history, the payment is shown but then is reversed. Nothing indicates in our bank statements that the money was returned or did not go through. The opposite has happened too ; some of the additional payment attempts are shown on our Navient loan history and then were reversed, but they do not show as transactions on the bank statements. From reviewing this information, there really is no explanation as to WHY the payments did n't go through/why they were reversed, because each of the months that had attempted additional payments also have the automatic payment we had set up successfully going through -- THESE ADDITIONAL TRANSACTIONS WERE MADE FROM/WITH THE SAME BANK ACCOUNT/ROUTING NUMBER. Why had these transactions been reversed when we had no issues with our automatic payments each month? When we asked Navient about these issues, they claimed that it must be a bank error, but we did not believe that at the time, and now we really do not believe that anymore. As indicated on our bank statements, we had many other bills, including our automatic monthly payment to Navient, that were paid from the same bank account that did not have reversal issues or insufficient funds, so we are without a doubt sure that we had the funds to pay these extra payments. When we called Navient in XXXX of XXXX, again we were told this all happened due to " an issue with our bank ''. I questioned the Navient representative, stating that I did not understand how that was possible when during those months when there were reversed payments, our automatic payments were going through without an issue or reversal ; again the second payment attempts were made from the same bank account with the same routing number, and got the same response. For a total of 6 months, we attempted to make additional payments and had the payments reversed. In XXXX, XXXX XXXX and XXXX XXXX, we attempted to make additional payments. These attempted payments were listed on our bank statement but were shown as attempted but then reversed on our Navient loan history. XXXX, XXXX ( when XXXX attempts for additional payments were made ) and XXXX XXXX, we attempted to make additional payments but these attempted payments were not listed on our bank statement but were shown as reversed on our Navient loan history. During all of these months, our automatic payments went through every single time, with no issues. Each time we did not pay this additional payment, we were not paying off our accrued interest, therefore steadily increasing the overall loan amount. As such, after reading about the lawsuit pending, we now feel that the descriptions of the allegations parallel with our issue of attempted payments that now appear to have been purposefully reversed with no explanation as to why, as part of Navient 's attempt to capitalize on our monthly accrued interest and overall increasing loan amount. Our hope is that we would be given restitution for the accrued interest, as well as refunded for the attempted amounts that were unsuccessfully applied. We also hope that we would be considered for any rebates, deductions, and/or loan forgiveness. | ||||||
| 09/03/2019 | Yes |
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| Currently, I have a private career training loan serviced by Navient. I have returned to school and recently been unable to pay on schedule. My co-signer receives 4-6 phone calls a day, despite our efforts to be in contact and make payment arrangements and advise Navient of the fact we are currently working with our bank to secure a consolidation loan. She will sometimes get one phone call an hour in the mornings. It is harassment so far as I can tell from the FDCPA. She has been told she would be removed from the auto-dialing list and has not been removed. Over the past two years I was led to believe by multiple Navient agents that I still had time and could continue my forbearance ( while I am in graduate school, and unemployed ) as long as I continued to call, make my good-faith payment of {$50.00} and extend every three months. I have a private trade-school loan that's very old, I am aware this limits my repayment options and I was told it would run out eventually but was also advised by Navient agents that if I called when it did, it was likely they could work with me to extend it if my financial situation didn't change. I was not advised of the 12-month limit clearly. The agents misrepresented the availability of options to me using soft language that they would " see what we can do ''. In mid-XXXX of this year on a visit back home to California from XXXX where I live for grad school, I called Navient again to attempt making payment arrangements. I was told that my forbearance time was up, but I hadn't used any deferement time I was " entitled to ''. I felt I had been led into forbearance wrongly for a year and immediately began the application process for in-school deferement including proof I was attending an accredited university for my masters. Only upon my letter of rejection for this relief was I informed that my loan type did not in fact qualify. I lost approximately a week of time waiting for this answer, the time and expense of printing and faxing and emailing XXXX. This is time I could have been using to find other avenues to pay and put me further behind. I called to ask why I was not informed that my loan type didn't qualify automatically when the agent has my loan information in front of them any time I call. They said they did not know and that I had been misinformed and apologized. On XX/XX/XXXX I finally requested to speak with a supervisor, around XXXX pacific time I spoke to XXXX XXXX operator # XXXX. I was advised I should read my promasary note to understand my loan terms, implying it was not the agents ' responsibility to provide me with accurate and up-to-date loan information or to simplify loan payment in any way. After arguing my case, I advised the agent that under no circumstances could I pay back the loan at present and asked for some kind of flexibility. Lowering monthly payments, interest rates ( currently at 14.25 % ) any option at all to make payment more feasible, I was told he could work with me to at least lower interest rates. I was told both my co-signer and I had to make financial statements. I called in the following day because of the time differences to provide my financial information after my co-signer had given a financial statement. After I did so, I was denied any change in my terms or otherwise any help to make payments. Beyond this, Navient refuses to call me directly at my own phone number because it is XXXX, international. As a result, they only call my co-signer and I do not receive direct communication via phone from them unless I call. They also say they can not accept payments from international bank cards, although I use a very large XXXX bank endorsed and accepted worldwide. Due to the misinformation and logistical difficulty in making payments when I can, I can't help but feel I have been purposely mishandled to extract late fees or more interest. | ||||||
| 02/14/2017 | Yes |
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| I have both federal student loans as well as private loans. My private loans were originally taken out with XXXX XXXX while I attended college. All of my private loans got transferred to NAVIENT a few years ago. When I contacted NAVIENT after the transfer, wanting to lower my monthly automatic draft payments due to the lowering of my income level, I was told that this was not an option. I was told that NAVIENT, just like XXXX XXXX does NOT work with your income level! The lender ( NAVIENT ) sets your payment plan. In addition, I had recently gotten married and in order to change my name, I was to send in my marriage licence as proof. I did so and not only did they not change my name, they increased my monthly payment! Outraged, I called again and demanded they work with my income only ( not mine and my husband 's income ). I was told very rudely, that they go by " annual household income level. '' I fought back stating that I had obtained my degree in my Maiden name only. I went on to state that I did not know my husband at that time, he was not on any loan documents and therefore, should not have to be responsible for paying my loans. The increase was not justified! However, I had to pay this or I was told they would garnish my wages. A year later, both my husband and I were laid off at the same time ... and could not afford to pay on the loans. I called yet again, and was told that garnishment would happen unless I continued my payments! I was told I was out of allowable forbearance and this was not an option either. Having no money and being out of work for the next 10 months, my credit was ruined overnight by NAVIENT. This should not have happened! They should not be allowed to hurt your credit because you are out of work and are unable to pay. I was living on unemployment insurance at the time and was receiving harassing phone calls up to 15 times daily wanting to collect. I was appalled at this tactic and watched my credit plummet daily. Once I was employed, I began to make my regular payments every month until 2 years ago when I was going through a divorce and I was only employed part time. I called NAVIENT to see if they could possibly reduce my monthly payments to work with the loss of income I was experiencing. ( I made $ XXXX that year. ) I was told by NAVIENT that divorce or loss of an income is not grounds for reducing the amount on regular monthly payments. I told them I could no longer afford my regular amount. I pleaded with them. I offered to send in my XXXX to prove my situation and they would not budge. So, I wrote a letter to NAVIENT and attached my documentation to prove that I was no longer in a position to continue paying my regular monthly amount. This was on XX/XX/2016 and I have not received a letter back in response. I am struggling financially. So much so, that I can not afford to live alone. I do n't make enough money to support myself. I am having to live with my mother who is retired. I drive a 20 year old car, and I am currently paying {$420.00} per month for both private and government loans. I 'm fortunate to work for a college, so I am on the PSLF plan for my government loans who work with my income level. NAVIENT ( owner of all private loans ) refuses to work with my income level, made harassing phone calls when I was out of work and unable to pay, threatened on numerous occasions to garnish my wages adding unnecessary stress, ruined my credit score, discriminated against me for getting married and INCREASED my monthly payment after the fact ( Men do n't have to change their name when they get married ), all because they want their money and they do n't care how they get it! I understand that I borrowed the money in the first place. I 'm willing to pay when I am working. All I ask is that they work with my income level and to not increase the payment if I decide to get married. | ||||||
| 10/05/2016 | Yes |
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| Background : I took these loans out when I was XXXX - I 'm now XXXX. 30 years later, after much struggle in my field and other fields to make end meet, I find that I 'm still burdened by these loans despite my best efforts to be gainfully employed and to eventually pay them off. I took out these loans as an undergrad at XXXX where I received what turns out to be a rather noneffective XXXX my choice, my bad, my decision at age XXXX. I am accountable. But here 's the thing : I had paid off a large portion of those loans in lump sum payments after the semi-successful sale of a low budget feature film I made and sold. My goal was and is to transition into XXXX and other practical areas to find additional work ( *I 'm XXXX now, XXXX ) but at the time XXXX would not even release my transcripts until I paid off their loan component - I forget the names of the internal XXXX federal loans now, versus the external Federal loans. XXXX XXXX or XXXX? ] Anyway : my point is, the fact that I have those XXXX transcripts now is 100 % verification that I have in fact partly paid off that part of my loans. When I was last back in the XXXX, I contacted my prevoious loan holder to try to ascertain the status of the loans. No response. I also contacts ( by email and certified letter ), the 'Ombudsman ' who I gathered was in charge of helping me navigate the serpentine world of student loan repayment. No response. I also did outreach to my credit agencies to determine my credit, assuming that my credit would be substandard due to my outstanding loans. XXXX replied that 'I had a blank record '. I asked them to send me a copy anyway, just so I would have some hard copy proof of my credit via that outreach. I still have those records, and despite my attempts to determine the status of my loans - and to EVEN FIND OUT WHO I OWED TO ( i.e., who had the loans ) - I could get no information despite my good faith efforts. During that time, by the way, I worked for the XXXX and I received excellent reviews for my performance. And, during that time, there was also no mention of my loan status, or that anything was amiss. My assumption was, that, since I had done sustained, proactive outreach to find out a ) who held my loans and b ) what the status of these loans are/were, that I had done nothing wrong. Yet, recently, after voting from XXXX ( where I 'm making a very modest living although I 'm constantly seeking additonal work - my alternative was foodstamps and unemployment in the XXXX ), there has been outreach from a new loan agency which is charging me more than the initial sum I started out with 30 years ago. That is : there is no itemization of my previous payments, and my overall sense is this is a predatory agency and that my rights as a loan holder have been violated. Aside from all technical data and determinations : I fail to see how it is reasonable or has any bearing in a common sense world, that I can be scraping and hustling to find work ( and to work ) for 25 years, not able to afford a family, taking on Foodstamps on occasion, and taking work outside of my degree field without hesitation, only to find that the 'boulder ' is back down at the bottom of the hill via an inflated and opaque amount due. I am not someone who has declared that I have a 'moral right ' not to pay the loans - I have just been unable to, and have also been at times nearly unable to make ends meet, even aside from these loans : 1 ) What are the legal ramifications of the loan holding agencies NOT responding to my sustained previous outreach to attempt to identify them, which in turn has led to a further 'compulsive ' delinquency? 2 ) How is it that, after paying off several of the loans via coercion, i.e., being unable to gain my transcripts from XXXX until I paid for the loans, that those paid-off loans are not reflected in the total? | ||||||
| 02/10/2017 | Yes |
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| After making my regular monthly payment on my federal loans, my account was reflected as past due when there was no past due payment. Navient immediately initiated collections calls. I called to report this issue because I clearly made my payment and tried to no avail to explain that I was current. Navient 's representative responded by telling me the itemized loan payments I made were short {$600.00}, even after verifying each loan payment made which totaled {$920.00}. They literally told me that their calculator said the {$920.00} in separate loan group payments equaled only {$300.00} because their calculator said so. I was then transferred to someone else and put on hold for 20 minutes and then prompted to provide a callback number. I provided my number and the line was disconnected. When I received a call back, a recorded voice told me to hold for a representative and the wait time was 20 minutes. I gave up and had to wait until the next day to plan to leave work early to endure another round of long calls. Today I left work an hour early and called Navient when I made it home. I spent 2 hours and 23 minutes speaking to XXXX different representatives and ignoring my XXXX kids trying to get this straightened out. I printed out my past 12 months of payments by each loan group trying to explain that no payment was past due and account for each payment. In the end, Navient ultimately admitted their records were incorrect due to a " glitch '' misallocation. I want to be refunded late fees and interest assessed. I also need Navient to remove negative credit reporting of a past due status because it is patently false. I also want Navient to reimburse me for the time I missed from work to spend hours on the phone pleading with them to correct their own mistake. Additionally, in the midst of all this, I received 7 separate letters advising me that a forbearance request was denied. However, I NEVER submitted or asked for a forbearance. During the time I spent speaking with Navient representatives about their incorrect records, I never even uttered the word forbearance. I told the Navient representative about the letters and asked who had submitted the request because I never requested one. The representative claimed the letter was a standard letter sent to advise a customer when a forbearance is maxed out on a loan. However that is also patently false. The letter specifically said it was provided in response to a " recent request ''. Therefore, I can only conclude that someone at Navient fraudulently submitted a forbearance request without my consent. Navient needs to be penalized for this egregious behavior. Navient also will not release the co-signer for my private loans. They have given me the run around for YEARS about what is needed to release my co-signer. When I took out private loans, they advertised the loan by stating that co-signers would be release after making 24 consecutive payments. No other criteria or qualifications were stated. When I asked about the release after making payments for 2 years, I was told I needed to " apply ''. Then I had to submit an application. Then they had no record of my application. Then I submitted another application and the application was denied. Although I made continuous payments on my private loans, a forbearance I received on my federal loans disqualified me ( despite being unrelated to the private loan ). Navient is great at hiding the ball and engaging in lending practices that only benefit themselves. They have only recently allowed customers to make payments allocated to specific loans. Before that, who knows how they handled payments. I 've done my best to follow all of their arbitrary requirements, but even when you follow the rules, they still find a way to harm customers and their credit and strong arm customers to pay them more money. Please investigate Navient | ||||||
| 01/27/2017 | Yes |
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| Over the years I have contacted Navient on many occasions. I have filed bankruptcy twice : Chapter XXXX and Chapter XXXX. I have been XXXX and faced financial burdens on many occasions. Navient ( formerly XXXX ) : contacted me in the past in reference to paying my debt. During the time, I was unemployed and when I did get a job : I was making {$XXXX} an hour when I worked at XXXX. I was not able to graduate due to XXXX and not having the funds to pay for my loans. I 've talked to Navient/XXXX : and they put me in forbearance. Navient/XXXX were not sending me my mail and not upholding their promises of repayment plans. I did not know that I even owed on my loans due to no one contacted me to inform me and when I called : they stated that my loans were current and up-to-date. I was not aware of any of the late fees that have been applied, which tremendously affected my credit. The late fees were {$3.00}, {$9.00}, etc ... .If I would have known that a late fee would be applied, I would have paid it. I was misinformed and mislead into thinking that my loans were current. I called many times to inform Navient/XXXX of my economic hardship and when I called, they stated that I can not pay the loans back and instead they can put me on " interest only '' plans. Last year, I spoke with " XXXX '', who stated that she was a supervisor with the private loan department. And she put me on " interest only plans '', which made my student loan debt to increase by the thousands and thousands of dollars. I also asked for a copy of my promissory note and she did n't even mail it to me. She stated that she was unable to provide me that when I called back. My dad is on one of my private loans but neither one of us recall ever signing for the XXXX private loans. My dad is XXXX and XXXX stated that she can not discharge him from private loan. There have been times where I called Navient to get off interest only and start repaying my loans and they tell me that I have to stay on interest only to keep the loan from defaulting. I have called many times where the employees at Navient/XXXX have given me false employee numbers and that there is no record of me calling. I have submitted over correspondences and Navient/XXXX claimed that they never recieved the correspondence causing me to miss the deadline in getting my loans processed and causing my loans to default. Navient has told me on many occasions that I am not qualified for the income based repayment and the forberance and economical hardship. I sent my XXXX forms to them and during the time my adjusted income was low income and they quoted me {$170.00} a month for one of my private loans and when I called again they stated that I missed the deadline and stated that i need to pay interest only and that it would not default me in my student loan and i would not have to pay anything else for the XX/XX/2018. I also spoke with a customer service manager by the name of " XXXX '' who was very rude to me and stated that there are no other options and if I dont pay, that Navient will garnish my wages. I 've asked about forgiven my loans and she stated that I would never be eligible for loan forgiveness due to me not repaying my loans. Over the coarse of time. Navient has provided me with incorrect payment information. Navient did not act or make an effort to find a plan that fits me and my income. Navient cheated me out of my rights to lower my payments and get back on course after they screwed up my loan repayments. Navient did not acknowledge my financial and economic hardship but instead made my loans so unbearable for me to pay. No one has even contacted me in writing to follow up with me about the status of my loans. Navient has punished me with late fees and I did not know it was late. Navient continued to charge regular interest on late loan payments. Please discharge and forgive my loans. | ||||||
| 03/15/2019 | Yes |
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| Since XX/XX/XXXX, I have been trying to figure out the best option to repay my loan. Since that time, there has been a variety of answers, with only a few being consistent. The previous info being in a separate complaint. On XXXX. XXXX, I spoke with XXXX XXXX # XXXX to try to figure things out. I explained my situation to her. I let her know that the last 3 reps I have spoken to had conflicting information. I want to pay my loan off, so I asked about a graduated repayment plan. She told me it was XXXX. XXXX some dollar at first, and then every 24 mos it increased. This was discussed at the end of XXXX. I was then sent the same plan I was currently on after she asked about my income. I had to call the next morning to let them know that is NOT what I had asked for. I was then sent a letter stating that Navient was sorry for the delay. There were NO specifics about payment. I was then sent an email regarding the plan I had asked about .I was then sent the plan I had asked for at XXXX/mo. This is not what was communicated to me by the people I had spoken with. Again, I called back and spoke to XXXX on XXXX. In the meantime, I had contact an attorney because of all the discrepancies with the answers I had been given. I am trying to pay my loan off .This company is making it REALLY difficult. I was told I could pay my interest of XXXX of interest during forebearance. Then I was told it was upwards of XXXX When I asked XXXX what my interest was because I wanted to pay, she let me know it was XXXX. XXXX dollars. Plus, some change. I paid, adn my e-paymetn wasn't posted until XX/XX/XXXX. I paid on XXXX so 4 days of interest had accrued. Ridiculous. All payments I make by website are posted immediately. So, I ask her about looking up interest so I can see what I owe during a forebearance. We are both on the website at the same time. I want to know where I can find my daily interest so I can pay. She tells me to look at a tab, so I do. I tell her there are only options beginning with 6 mos. She finally admits that she " doesn't know '' where I can find that info. I just want to pay my loan. I called an attorney. She told me to go back on income driven, but I have already paid to get out, so I can pay my loan, and actually make progress. She has no answer. I let her know that I have been misinformed several times in the last week. The attorney tells me to go back to income driven as well. I call this evening XXXX and speak with XXXX # XXXX. I tell her the issues and discrepancies. I was put back on a plan that paid to exit, then I had to call to change to the plan I had requested. This was all ok via internet. everything accepted. When I called and spoke with XXXX, she told me I needed to fill out another app for Income Driven when I was just accepted WITHOUT an app on the XXXX of XXXX. I called today, XXXX and spoke with XXXX # XXXX. She let me know she can not reverse the transaction, and that I still need to submit the application that I submittted in XXXX of this year. Yet, on the XXXX, this was not a request, and I was sent the info for the IDR. It is a yearly renewal, and it is not XXXX. So, Navient is, again, not helping anyone. There is no reason for me to fill out the application again for the Income Driven Repayment Plan, that is still valid from XXXX. The company is telling me I have to fill out another application to be re-instated - when it was all ok on the XXXX without having to do so because my info hasn't changed. Now ; however, the payment from that time has decreased, therefore increasing, a borrower 's balance, and the money owed. All of this information is recorded via phone calls. This company is a mess, and is NOT helping the economy, or consumers. Their employees have no idea how to help borrowers, and the information is misleading. They continue to add interest 4 days after an e-payment has been made. | ||||||
| 08/20/2017 | Yes |
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| I had several issues with Navient. I became ill in 2013 and had difficulty paying my loans. I was steered into voluntary forbearance. once I used up my limit of that, I had no means of paying my loan or deferring it until I was out of work for several months and they determined I finally qualified for a financial hardship deferment. I was not offered any alternative income based payment plans based on my lower income since 2013. I looked into XXXX discharge, however, I was still attempting to work. My work attendance was unpredictable as such so was my income but I missed 2+ days of work a month at minimum. During all of this, my credit has been destroyed. If I was offered a lower payment plan based on my lower income, perhaps I would have been able to make a payment, but I was receiving bills for over {$500.00}, I suppose due to late fees with interest? If I was given the income based plans based on my reduced income, perhaps I would not of had to use all of my voluntary forbearance. Which also, when I would request them, I would request 1 yr and then they would become due at less them a yr and then I would receive a bill with late payments. During all this, my credit has been ruined due to all the late payments. I sent a goodwill letter to them as advised by my landlord because I can not afford to live where I am any longer and I cant move because of my ruined credit. I asked them If due to the circumstances they would remove the late payments. They denied the request and filed it on my credit report as a dispute. I called them when I received a letter saying they would not make changes to my report based on my dispute and I can make comments to my credit report if I wished, as I was not disputing the late payments. They said it was n't going to be on my credit report as a dispute yet when I received an update credit report it was on there as a dispute which I am told looks just as bad to the creditors, especially for mortgages. When I first looked into the Public Service Loan Forgiveness Program back in 2013 it said consolidated loans who make 120 monthly payments. I recently found out my loan was not the right type of consolidation and my payments were not the right payment plan. This information was not made clear from the beginning, at that time it said make your payments, and when it comes time you submit the information and proof of employment. Now, I read it says to verify the employment yearly. This information was not made readily available by either Navient or anyone. Prior to my illness and falling behind on my loans in 2013, I thought I was on the right payment plan towards the forgiveness. It was not until I was about to come off deferment recently and set up a new payment plan that I found out that I was never on the right payment plan or even had the right type of loan consolidation for the PSLF, so none of the previous payments I did make would count and I had to reconsolidate my loan and get on the correct payment plan. But any payments I previously made do n't count now. If I would have been informed properly, I would have reconsolidated years ago, and then instead of forbearance or deferment, I should have had my income based plans readjusted based on either lower or no income so there was no break in my payments. Overall, navient failed to properly educate me on the PSLF program, the type of consolidated loan I had and the income based repayment plans. Instead of education me about income based repayment plans they chose to just collected late fees and increased interest fees. They left me with forbearance and deferment as the only options and when I did n't qualify for those and could not afford to pay I was left with default as my only option. Now, as a result of all this, my credit is ruined and I am starting at day 1 for the PSFL program with my loan reconsolidated with a different lender. | ||||||
| 04/07/2017 | Yes |
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| I was given false information from XXXX/Navient regarding qualification of my loans for the public service loan forgiveness ( PSLF ) program. This information led me to keep my loans w/ Navient, rather than changing my loans to Direct Loans which would have allowed me to qualify for the PSLF program. I had difficulty w/ attempts to inquire re : these issues w/ Navient. Worked for Dept. of VA as psychologist since XX/XX/XXXX & made payments on federal student loans to Navient w/ intent use PSLF program. Completed loan consolidation in XXXX, when expected rate hike was well publicized in the media. Received false information from Navient in XX/XX/XXXX that my loans qualified for PSLF program, such that I kept my loans totaling almost {$120000.00} w/ Navient. o XX/XX/XXXX, contacted Navient & spoke w/ XXXX at XXXX. Documented this call on paper for my own records. He indicated being familiar w/ the PSLF program & informed me that my payment plan qualified me for PSLF. He told me I had made 78 payments & needed to only make 42 more payments before I could apply for the program. He did not advise me I needed to complete any paperwork along the way. XX/XX/XXXX I learned my consolidation from Direct Loans to FFELP student loans in XX/XX/XXXX disqualified me for PSLF but was not told this in XXXX by Navient. Very difficult interactions w/ Navient staff in XXXX/XXXX/XXXX including dropped calls & intentionally expiring my online account o Called Navient & spoke w/ rep, explained situation, & requested to speak w/ a supervisor. My call was dropped. Called back, explained situation, & requested again to speak w/ a supervisor. Again call was dropped. Called 3rd time & spoke w/ XXXX at XXXX. Explained my call was dropped & was emphatic I be connected w/ a supervisor & not be dropped again. Was connected w/ supervisor XXXX . Told me I needed to consolidate my loans w/ XXXX. I was naturally upset to hear this after having been misled in XX/XX/XXXX. I did n't curse or personally attack anyone over the phone. I ended the call & tried to log in to my online account w/ Navient. Website said my username/password were not recognized. Attempts to recover a password were not feasible, as website indicated I did not have an account w/ Navient. Called Navient & requested to speak w/ a supervisor. Spoke w/ XXXX at XXXX after being on hold for 28 minutes. He said my account showed it had been " expired ''. I assume this was an act of retaliation towards me, as this could only have been done intentionally by a Navient employee & occurred after stressful phone call w/ the supervisor XXXX . XXXX helped restore my online account. Contacted Ombudsman group in XX/XX/XXXX & then contacted escalated line for Navient. Requested my records from Navient & an advocate. Was never assigned an advocate after being told by Navient staff this was due process for their company & was told I could not have my records w/o court order. o XX/XX/XXXX : called Navient 's escalated line & spoke w/ XXXX . Advised of situation & requested my records including from the phone call in XX/XX/XXXX. She indicated she would call me back. Heard nothing & called back on XX/XX/XXXX. Spoke w/ XXXX who sent an email request to be assigned an advocate. Was told advocate would be assigned & would be contacted in 1-2 days. Heard nothing back. Called escalated line from Navient XX/XX/XXXX & spoke XXXX XXXX XXXX He told me I would not be given my records & that Navient wo n't release my phone records w/o court order. Said Navient would n't work w/ me to help qualify my loan payments for PSLF program & needed do XXXX consolidation. He said no advocate had yet been assigned to my case, & it was pointless as any advocate would tell me the same thing. XXXX/XXXX/XXXX received Navient letter saying my FFELP loans did not qualify for PSLF program & need to apply for XXXX Consolidation. | ||||||
| 10/23/2017 | Yes |
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| On XXXX/XXXX/2017, I filed a complaint via the CFPB ( complaint # XXXX ) regarding Navient Solutions LLC. This complaint is a rebuttal to Navients response, and further in response to Navients disregard of consumer rights afforded to me under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Billing Act ( FCBA ). Navient made the following statement in its response We have confirmed that your Signature Student Loan is being reported to consumer reporting agencies accurately, however, Navient has refused to submit to me the information it confirmed, nor other information I have previously requested that will assist me in ensuring the accuracy of its claim. Each of the above listed federal acts affords me the opportunity to not only request validation of a creditor claims, but to also receive information from the creditor that thoroughly validates the claim, including requesting itemized billing accounting transactions for the claim. Navient has not provided all necessary information and refuses to not provide the information. This is in violation to these federal acts. Navient also made the following statement, We are unable to provide you with your Disclosure Statement. This information was not transferred to us from your original servicer, which raises more concern about Navients claim and causes me to request all the information I have previously requested. Again, by refusing to not provide this information, Navient is in direct violation of the FCRA, FDCPA, and the FCBA. I again request the following from Navient in accordance with the FCRA, FDCPA, and the FCBA : ( 1 ) What the money you say I owe your company, the original creditor, and the collection agency is for, ( 2 ) What type of loan I have with your company, the original creditor, and the collection agency, ( 3 ) The account number I had with the original creditor, ( 4 ) The account number I had with your company, ( 5 ) Explain and show me via itemized accounting transactions on how you calculated what you say I owe since inception of the account until the date of this request from your company, the original creditor, and the collection agency, ( 6 ) Provide me an itemized account payment history since inception of the account until the date of this request from your company, the original creditor, and the collection agency, ( 7 ) Provide me with copies of payment receipts since inception until the date of this request from your company, the original creditor, and the collection agency, ( 8 ) Provide me with full disclosure copies of any papers, contracts, and other proof that show I agreed to pay what you say I owe to your company, the original creditor, and the collection agency, all bearing my original signature, ( 9 ) Provide me with copies of any papers, contracts, or other proof that show I agreed to any deferments and modifications with your company, the original creditor, and the collection agency, all bearing my original signature, ( 10 ) Provide federal, state, and local documentation that show that you are licensed to collect in my state, to include providing me with your license numbers and registered agent information. If you can not provide all of the requested information then you must : ( 1 ) Remove from your files any negative reference concerning this account, ( 2 ) Immediately notify XXXX XXXX XXXX XXXX XXXX XXXX XXXX that your previous communications regarding this account were incorrect and ask them to remove any negative references from my credit report. If it is your intentions to not provide the requested information, I will continue to seek help with obtaining all necessary information and the requested documents from the Federal Trade Commission, the Consumer Financial Protection Bureau, and the States Attorney General Office at the expiration of the 10 calendar days. | ||||||
| 07/26/2016 | Yes |
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| RE : XXXX XXXX XXXX Date I have a serious problem with XXXX XXXX. This letter I write today is in regards to a corrupt government business XXXX XXXX loan services. Please read the following letter. I am desperately seeking help to Understand my options on this student loan. It has come to my attention that I can not find an attorney or advisor to explain my rights for no one will challenge the government in student loan issues. I 'm just requesting that this letter is reviewed and perhaps someone or some firm will challenge XXXX XXXX. I feel I am finically trapped with this debt and the interest keeps accruing on the loan and something is not right on the procedures That have occurred thus far. Here is my story : My name is XXXX XXXX and in XXXX my ex-husband and I ( XXXX XXXX XXXX Consolidated our personal student loans into XXXX Student Loan sum with XXXX XXXX. The total loan that was consolidated was was approx a total of {$67000.00} which included 65 % of my college debt and 35 % of my exes college debt. XXXX XXXX bought my exes debt from the bank- XXXX XXXX XXXX XXXX XXXX As well as my debt from a the bank XXXX XXXX XXXX The percentage rate was XXXX and that was the combined consolidated loan for {$67000.00}. We XXXX signed A document which indicated the amounts that XXXX XXXX consolidated between my debt and my exes debt which had the amounts broken down for each individual. I never received a copy of this document but it was signed by me and my husband and sent to XXXX XXXX in XXXX of XXXX. The loan was set up that I was the primary Lender and my ex was the co-signer because my credit was exceptional And I held 65 % of the debt. Late XXXX after we started to work in our professions my husband at the time and I started to make payments as a married couple to this consolidated loan. -over a period of three years my husband and I had a few financial hardships and Had to defer the loan a few times but the interest stilled accrued of course. XXXX I filed for divorce with my husband XXXX XXXX and the loan still remained in XXXX of our names. I contacted XXXX XXXX in XXXX And inform them that the divorce was final and requested for the loan to be split again into the percentages that needed to be paid by each party ( me and my ex ) It took XXXX years and millions of calls and letters written to XXXX XXXX pleading for them to split the loan and work with us since we were now divorced. Even in the divorce decree the judge ordered that XXXX now my ex, was to pay faithfully every month 35 % of his portion of the consolidated loan. sadly this never happened. XXXX and XXXX during the recession I gave birth during our divorce and I also lost my job by a lay off for the architectural firm I worked for in XXXX my profession was an interior designer at the time. I contacted XXXX and requested for a forbearance on the student loan that we had together. XXXX XXXX kept threatening me, even with me being unemployed recently divorced, and a single parent.. They insisted that that I was obligated to pay {$710.00} A month which was the payment on this consolidated loan with my ex and I. I sent XXXX numerous documentation indicating proof of my unemployment and my divorce decree that requested that XXXX pay 35 % of the loan. I even sent them information on where my ex was located at the time to contact him because he had a full-time employment and always had full-time employment and he was able to perhaps make some payments during the time of the forbearance. XXXX contacted him and we set up a payment schedule but my ex never complied. They begin harassing me by calling and letters and requesting payment to come through me because I was the primary holder on this loan so eventually the student loan went into default. I was unemployed and a single mom and on government assistance to keep my daughter from starving, and | ||||||
| 04/02/2015 | Yes |
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| I 'm writing this letter to file a complaint of moral hazard, predatory lending and abusive action against XXXX XXXX ( Navient ) private student loan division. I received my undergrad degree from XXXX Michigan University ( XXXX MI XXXX ) in XX/XX/XXXX. At that time my private loans were in forbearance for almost two years due to economic hardship ( since I was only working part time at minimum wage jobs ) which produce a payment I was unable manage due to accumulation of substantial amount of interest. So when I began to work full time, I reached out to at the time XXXX XXXX to express my concerns on how I wanted to pay my loans I just needed a manageable payment. XXXX XXXX refused to work with me on lowering my payments for my private loans. XXXX XXXX makes it very clear they are content on me keeping my loans in default so they can profit of the interest and late fees ( after already making me a victim of predatory lending ). After months of back and forth XXXX XXXX finally offered me a rate reduction program by that time my loans were 3 months past due, this was in XX/XX/XXXX. The condition of the rate reduction program were to make XXXX payments at the reduce rate and end of the third payment my loans will become current. I made the payment on time in XX/XX/XXXX for the payment in XXXX I was in the process of changing bank accounts because I was being relocated for new employment. And at the date XXXX XXXX was supposed to take the payment from my bank for the payment in XX/XX/XXXX the funds were never released to XXXX XXXX, at that time I called a representative at XXXX XXXX to find out why. The rep was not sure why the payment was not received he actually said it was possible error on the part of XXXX XXXX and to call back a few days later if the payment was not yet received. So I called a few days later as instructed since the payment was still not made and funds were still in my bank account. So I spoke to another XXXX XXXX XXXX and again they were unsure why the payment was not process by this time it was XX/XX/XXXX so I asked the rep will this affect my rate reduction program since the XXXX payment was not received on time with no knowing fault of my own the rep said " NO '' it would not affect my rate reduction program and my loans will still be made current by the end of XXXX. The rep told me to make the payment today which I did with a different bank account and make the XXXX payment on time which I did again with a new bank account. By XX/XX/XXXX my loans were not brought current as promised. So I called to see why not XXXX XXXX told me I did not make the XXXX consecutive payments, I told the rep what happen in XX/XX/XXXX and XXXX and that I talked XXXX representative XXXX assuring me that I 'm still in the program, the rep did not care, so I asked to speak to a supervisor, and then after speaking to the supervisor that I found out my bank did stop payment which I did not authorize for XXXX 2013 payment, so I asked the supervisor how come when I talked to the first XXXX reps in XXXX and beginning of XXXX how come they did not inform me my bank was blocking the payment I could of resolved it that day. The supervisor again did not know and did not care that I was lied to by XXXX separate reps that work for XXXX XXXX. The supervisor said I just have to make another XXXX consecutive payments starting this month. Very upset that I have been lied to for months I just said ok. So after making the XXXX payments by end of XXXX I was now expecting to be So after making the XXXX payments by end of XXXX I was now expecting to be current but again my loans were not brought current so I called another representative to find out why and again I could not get answer I do n't know '' or " I 'm not sure '' " just to make another XXXX payments ''. So after a year of being lied to my loans were finally made current. | ||||||
| 04/28/2016 | Yes |
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| I had contacted Navient today in regards to a private student loan they insist is mine, although the loan they are referring to does not ( and has not historically, over the life of loan ) comply with any original loan terms. In speaking with two representatives ( XXXX (? sp? ) -ecode : XXXX, followed by XXXX e-code : XXXX ) I was told that they have no records indicating the original terms. So I wished to get this specific issue worked out. So, I wanted to get clarification on the discrepancy between the loan terms I had agreed to when signing and accepting the loan -- verified by original documents -- and the loan that Navient was insisting is the same loan. Althought XXXX was respectable, when speaking with XXXX, she ignored the purpose of my call and immediately proceeded to divert the conversation off my inquiry and falsely assume that I was refusing to pay the loan. As the conversation progressed, I repeatedly told her that refusal to pay on any of my valid loans with the company was not my intent at all and that I never stated that fact, nor did I want her conclude that from our conversation -- there was never a communicated statement indicating an intent to refuse to pay. But XXXX would cut me off and threaten legal action against me and my property. As she went on to speak over me, she then actively refused to let me speak about the loan at all, instead she proclaimed that she would update the status of the loan by documenting a statement that was the exact notion I was refuting : that I " refuse to pay. '' Despite my strong objection, she kept repeating the statement demanding an explanation of how I wanted to proceed with the loan. Because of her attitude and false assumptions she was projecting onto me, I no longer trusted her, and I begun to question her intent. XXXX actions started to reflect a desire to manipulate my position for the worse, and make me feel hopeless and compromised so that she could then adjust our mode of engagement in a way that benefited her and hurt me -- the customer. Her actions were reinforcing my initial worry about the loan in question -- that despite agreed upon conditions, I was being manipulated to benefit the servicer ( & now the servicer 's rep ) without any substantiated reason. XXXX and her actions were an embodiment of Navient/XXXX practices. At that point, I recognized that there was no law indicating that I was obligated to disclose my intent or future actions to XXXX. I also realized that any of her actions relating to making an update on any of my account statuses would be solely based on her insistence of making a personal false assumption. This all would be a result of her individual customer service and quality practices as an account manager. I also recognize that Both XXXX and XXXX prefaced the dialog with me by stating that the call would be recorded for customer service purposes. So any misleading and false customer service-related action taken on my behalf due to XXXX false yet persistent assumptions can be clarified with the recording. I do not find it appropriate that XXXX ( XXXX ), a service representative, knowing that her conversation would be " recorded for quality assurance purposes, '' would blatantly mislead the company she was hired to represent or any legal representation who would depend on her recollection and official documentation during a conversation with a client. If any action was taken upon me due to her deceptive and false documentation practices, I would have to rely on recordings, such as those that Navient does for quality, to confirm XXXX quality and service malpractice. Just like no loan should be falsely represented by a servicing entity ( Navient/XXXX ), no consumer should be threatened at any point in a lending relationship with being falsely represented by any customer service representative or account manager. | ||||||
| 08/10/2018 | Yes |
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| On XX/XX/XXXX around XXXX, I called Navient and spoke with XXXX ( XXXX ) regarding misreported payments to credit bureaus ( all five Navient accounts have been reporting late since XXXX, which has cause my credit score to drop dramatically. ) She said she was going to pass the info along to have my account audited and hopefully corrected. I requested a call back when the situation resolves itself so I can be appropriately informed of what has been happening. She said it could be up to a week before someone gets back to me. By XX/XX/XXXX, I had not heard back from Navient. I called around XXXX and spoke with XXXX . I asked if there were any updates since last week after having not received the call back I was promised. I found out some upsetting information from her. Apparently my ( automated ) payments have all been after my cycle date, which essentially means that all of my payments have been late. If I had known that this was going to be the situation, I would never have agreed to set the payment date I currently have ( the last person I spoke to regarding my payment change suggested that I could move my payment date, allowing me to pick whichever date was most convenient for me - never informing me that this would cause me to be " late '' on payments ). I tried explaining this multiple times to both XXXX and XXXX ( her supervisor, who I had to be asked to be put on the phone with ). They were very adamant that the appropriate action was taken to report the account as delinquent from XX/XX/XXXX through XX/XX/XXXX ( I had been cancelling payments from XXXX to XX/XX/XXXX due to a change in my job and was unable to make the full payments at that time ). When I asked why the account continued to be reported as late this entire year when I was having automatic payments withdrawn, XXXX continued to inform me that my payments were being made past the deadline. I was very clear in letting him know that the payment date I chose was never presented as a problem by the last person I spoke to who helped me get back on track with my payment schedule. He then informed me that they would go back and listen to the conversation to see where the confusion might have been and if the employee was at fault. He was also seemingly agitated and began using " loan lingo, '' ex : " Forb '' for " Forbearance, '' that was causing confusion and frustration on my end as well because I was having trouble understanding what he was trying to say in order to connect the dots to solve the problem at hand. It very much seemed like I was an annoyance to him and was trying to get me off the phone at all costs instead of actually helping me to figure out this worrisome situation. He eventually told me that they were definitely going to check into everything and that I should be hearing back from someone within the week. By XX/XX/XXXX around XXXX, I still have not heard back from anyone at Navient . I called and briefly spoke to XXXX. She gave me the direct number to the rate reduction dept. She transferred me to XXXX XXXX. - wrong dept ( collections ), who transferred me to XXXX XXXX ( Rate Reduction Dept. ). XXXX said that I should have received a call back by now, so she said she would pass along this info to her supervisor to see if she could get them to call either today or tomorrow from the complaint department. She also said that I should have received a letter that was sent out at the beginning of the month ( which I still haven't received ). It is now XX/XX/XXXX, and I still have not received a phone call ( or a letter ) from anyone at Navient regarding this very serious issue. I find it very convenient that they can call at the drop of a hat whenever they need something from me, but when the tables are turned, it is radio silence. I just want accurate ( on time payments ) reporting to credit bureaus from XX/XX/XXXX - present. | ||||||
| 02/22/2016 | Yes |
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| I attended school in NY & NJ. I am unemployed despite exhaustive efforts to find employment since XXXX ; I have applied to XXXX positions in my field that I am qualified for & have documented all of my efforts. I am willing to pay my student loan debt. I have called Navient multiple times trying to work out a repayment plan. What I need is a deferment until I find employment. At such a time, I will be happy to begin repaying my loans at a reasonable & affordable rate. I am also requesting an Income Based Repayment plan, as I have with my DOE & Federal loans. Under those loans, my income based repayment plan requires $ XXXX monthly payments because that is what I can afford. During this time I am not being charged fines or other penalties for missing payments on my Federal/DOE loans, as I am with the private loans. I am requesting that all fees & fines that have been added to my private loan accounts be waived & removed, as they only ensure that I will have more trouble catching up on payments and being able to resolve my student loan debt. It 's my understanding that many of my private loans were bought by the DOE when regulations on student loans were first put in place. As a result, there are payment plans that are designed to make loan repayment possible. There is no reason why the same should not apply to my private loans. I intend to repay them, but Navient 's practices will ensure that my debt will continue to grow even as I make payments, and I will never be able to pay back the balance in this lifetime, which I intend to do. I was told by a Navient rep that my private loans can not be bought or refinanced by the DOE or any other loan carrier. I question the validity of this information. Navient states that I am no longer eligible for a deferment or forbearance, and that they wo n't give me a deferment based on economic hardship either. They have told me they have repayment options in order to help me make payments but this is false because the only repayment options they have offered require that I enroll in automatic withdrawals of payments from a checking/savings account, in exchange for a monthly payment that is still unaffordable without any income. They set my monthly payments close to {$500.00}. As I am unemployed, if they try to withdraw money from a checking account without funds, I will face fines from my bank & Navient will dis-enroll me in this repayment program. THIS IS NOT A SOLUTION AND IT DOES NOT DEMONSTRATE A WILLINGNESS TO WORK WITH ME so that I can repay my student loan debt. Instead, the customer service & collections reps engage in practices that rely heavily on bullying & threats that result in my physiological and emotional distress. I have a great credit score currently, and have always been on time or early with all of my other bill payments. I am responsible. It is unjust for my credit to be ruined by a company that is not making any genuine effort to work with me so that I can pay off my debt. I offered to make a partial payment of {$50.00} ( which I would have to borrow from someone who has no financial obligation to me ) in the hopes that my accounts would not be sent to collections and that my credit could be preserved. Navient denied this & said that even if I make partial payments, if they are n't in the full unaffordable amount they have designated ( or an equally unaffordable amount that only covers some of the interest ), I will default & my credit will be destroyed. These are predatory tactics. The student loan debt crisis facing multiple generations of people in this country is a widely known fact. It is made worse by the unscrupulous debt collection practices of companies like Navient, which was formerly XXXX. I am well aware of the multiple & varied legal actions these companies face & I do n't intend to be another victim of their vicious and corrupt practices. | ||||||
| 10/05/2020 | Yes |
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| I took a XXXX loan originally with Sallie Mae in 1996 to pay for an education at a for-profit XXXX college. The loans were federal loans and had been assigned to Sallie Mae. Shortly after my 6-mo. deferment ended, I was contacted by a representative who advised me that I had several loans and further recommended that she could " make things easier '', by offering 1 payment by combining the loans. I agreed without knowing or understanding what she was entering me into was a loan consolidation that locked me into an 8 % interest rate and precluded me from moving my loans to another servicer with reasonable rates. I started receiving regular calls during the repayment period from Navient recommending deferment, and frankly, it was made to sound like an easy thing to do, stress-free without knowing the 8 % interest rate was compounding daily. Navient would initiate the calls conveniently prior to the end of the deferment period which soon became a bi-annual courtesy call. During this time, Navient took over the Sallie Maes name and I was watching my yearly statements increase like wildfire on the balance of my loans. I had inquired about getting a lower rate, moving the loans, or payment options. Again, I was told, " it wasn't an option, because I consolidated my loans. It was always suggested that I defer for 6mo and " see what my situation is at that time. '' I called Navient in a panic several times as to options for my loans, and the solution offered was watching my balance increase through deferment, repayments that kept increasing my balance or payoff. I started and stopped payments so many times from the increasing payments. I even tried to make the minimum payment with my balance still increasing, this became a vicious cycle. When Navient had settled into its new position aside from Sallie Mae, I started making my student loan payments online, and Navient would take up to 3-4 days to post payments and charge hefty late fees which always posted after the due date. This happened over and over. I called to change the payment due date and it was recommended that I get a deferment on my payments. This became a game of " cat and mouse. '' I have been making $ XXXX payments for the last 5+ years, never missing, or incurred late fees and when COVID forbearance went into effect, my loans were put into forbearance without interest accrual, or so we thought. We later found out that Navient had put my loans into automatic deferment without knowing and the interest had increased, my 5+ yr. consecutive payment history was erased, and I was assessed late fees. This coincidentally happened as I was working on my degree as part of the AUTOMATIC DEFERRAL PROCESS. When I contacted Navient and questioned WHY I wasn't eligible for the Cares Act forbearance, I was told that although I did in fact have Dept of Education loans, they weren't administrating loans back in 1996, Sallie Mae was, therefore I did not qualify. This was after the fact, despite calling Navient and being told Stafford Loans WERE eligible. Throughout the years I inquired about - Public Service Forgiveness ( teacher and non-profit ), refinance options from 8 %, or finding a new lender. I was either told I wasnt eligible for any of the remedies that I inquired about, or deferment was the solution. This has gone on for 24 years. TWENTY-FOUR YEARS!!! I have paid Navient by far, more than their fair share with a XXXX balance left on a XXXX loan. They will have received an 80 % profit on this loan by the time this is all said and done. Unbelievable! I have student loans through XXXX XXXX and NEVER experienced anything like this. Navient has now reached out to offer a NEW REFINANCE plan with their NEW COMPANY offering 3.99 %. I dont feel even close to comfortable doing business with a company that has used me and earned a reputation for this non-sense. | ||||||
| 03/27/2017 | Yes |
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| In XXXX, while my son ( XXXX ) was XXXX to XXXX, my wife and I co-signed student loans for his spouse, XXXX, the initial total amount was {$19000.00}. XXXX and XXXX later divorced in XXXX. In early XXXX, due to my wife 's failing health, we attempted to refinance our home. However, our loan was denied because as co-signers for XXXX 's loan, we had too much outstanding debt. Up until this point we were under the impression XXXX was making payments and assumed the debt was either paid off or greatly reduced. Navient did not make contact with us, as the cosigners, to inform of us otherwise. We had no idea she had been granted deferments or had not been making regular payments to reduce the principle. At no time were we, as the co-signers, contacted by Navient to be made aware she was requesting deferments elongating the duration we would be responsible for the loan. I contacted Navient in XXXX XXXX, which then erupted in an onslaught of correspondence which previously had been lacking and frankly, had it been Navients practices from the beginning, I would not be in the situation in which I find myself. Unlike the primary borrower, my contact information has never changed and any correspondence would have been promptly answered. At no time, as the co-signers, were we ever notified, consulted, or conferred with when she deferred the loan. Prior to XXXX XXXX XXXX, we had never received any late payment or missed payment notifications or any communication which stated the loan itself had been deferred. As I stated, we were under the impression, XXXX was making payments and the loan was either paid off or close to being paid off as almost 10 years had passed since the origination of the loan. XXXX XXXX XXXX, I received correspondence from Navient informing me XXXX had been granted forbearance for a period XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. XXXX XXXX XXXX, I received correspondence informing me payment arrangements for the loans had changed, with a list of XXXX possible reasons. XXXX XXXX XXXX, I received correspondence informing me XXXX of XXXX possible events occurred on the loans necessitating correspondence. XXXX XXXX XXXX, I received documents I had requested regarding the loans. It was also around this time ( exact unknown ), I requested and was granted online access to the loan accounts, from which I can see payment, deferments, and forbearance. Again, I stress, information I was not made aware of prior to XXXX XXXX. XXXX XXXX XXXX, I received correspondence detailing annual information for cosigners. Another document I had not received prior to this date. XXXX XXXX XXXX, again received correspondence informing me payment arrangements for the loans had changed, with a list of XXXX possible reasons. I find it unacceptable that correspondence between Navient and I, only occurred after I contacted Navient and XXXX had been granted repeated deferments and forbearance without my knowledge or approval. As a cosigner, what are my rights? No updates, no correspondence to inform co-signers that she could be reevaluated based on her credit or that after making payments for a 24-month period, she could release cosigners. The dynamics of the relationship between us changed once she and my son divorced and she cut communication. I have been unable to contact XXXX ; attempts to call her last known phone number, use her last known email address, and mail certified correspondence to her last known physical address have gone unanswered, returned ; all have been unsuccessful. As a creditor, Navient can easily review her current credit report and will find, based on her current employment and current credit, XXXX can assume full responsibility for these loans and release the cosigners. Student Loan Account : Primary Borrower : XXXX XXXX XXXX, DOB XXXX XXXX XXXX Loan # XXXX Loan # XXXX Account # XXXX Cosigner : XXXX | ||||||
| 11/07/2018 | Yes |
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| XX/XX/XXXX - XXXX XXXX XXXX has just acquired my defaulted federal student loan debt from the previous company, Navient, and on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX sends a letter, stating that my total current balance is {$6800.00}. This has been broken down on the back of the letter as follows : {$5600.00} Principal Balance, {$1.00} Interest ( which is the daily amount of interest that accrues on my principal balance ), and {$1200.00} in Collection charges. The collection charges are astronomical. Added all together, we get a total of {$6800.00}. So far, so good. XX/XX/XXXX - I receive another letter from XXXX XXXX XXXX, informing me that an " adjustment '' of {$1300.00} has been made to my account ( this is my garnished XX/XX/XXXX New York State tax refund ). However, in this letter, my " Previous Balance '' is stated as {$8200.00}. This is a difference of {$1300.00}. My interest accrues at a rate of {$1.00} a day. The difference in time between the first letter and the second letter is 26 days, meaning that the interest accrued should have amounted to {$27.00}, making my balance at that time {$6800.00}, which would still include the ridiculous collection charge. No where on the letter is there an explanation of where this {$8200.00} number comes from. They claim on this letter that I now owe {$6900.00}, after the garnished tax refund is applied to my account. This balance is higher than it was a month ago, before they took {$1300.00} from my New York State tax refund. Clearly this is wrong. I called and submitted a dispute on or about XX/XX/XXXX regarding this amount, but have received no communication from XXXX except receiving another statement in the mail a week later with the incorrect balance owed. In a letter dated XX/XX/XXXX, they claim that I owe {$7100.00}. I am trying my best to settle my debt, but after faxing over 40 pages of requested statements, detailed letters of explanation, and itemized expense documentation to XXXX and also scanning and emailing all requested information both to XXXX and XXXX XXXX XXXX, I have no word from either of them as to whether or not I can settle my debt. I went to great pains to get a bank loan ( a friend with good credit agreed to co-sign to help me get out of debt ), and am ready and willing to pay WHAT I OWE. NOT what I DO NOT OWE!!! Ironically, I have recently settled a debt with the US Dept of Education ( another defaulted student loan ), who referred my account to XXXX XXXX. The settlement process took one phone call and an hour of waiting before XXXX accepted my offer and processed my payment over the phone. XXXX XXXX is a collection company that I can actually trust. XXXX XXXX XXXX, however, is clearly run by criminals. I get no straight answers from them, their accounting is totally opaque ( they have yet to provide me with any explanation as to why I was overcharged, though I have asked them repeatedly to send me a detailed accounting history ), and they continue to insist that I owe more than I do, despite my informing them by phone, email, and fax that they have overcharged me, and demanding that they agree to my very fair and reasonable settlement offer of principal balance plus accrued interest, minus the {$1300.00} I have already paid toward my debt. It boggles my mind how difficult and exhausting this process has proven to be. In addition, XXXX XXXX XXXX has made a habit out of calling me multiple times a day, from numerous phone numbers, as well as calling my friends and family, to harass and intimidate me. The phone calls are especially disruptive during work and late at night. Their criminal activity has caused me undue emotional distress, and cost me countless hours of precious time as I struggle to fight their unjust practices and demand a fair settlement to get this debt taken care of once and for all. | ||||||
| 03/14/2017 | Yes |
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| The complaint I have against Navient is too long to explain in this form, so I have attached a 4 page letter detailing my interactions with Navient since XX/XX/2016. The main points of my complaint are the following : - I have been trying to work with Navient since XX/XX/2016 to set up a payment plan I can afford on my student loans. - My loans are not affordable due to the 10.5 % interest that they have been compounding on my loans since I took them out 7-12 years ago in college. The principal was around {$90000.00} and now the balance is over {$200000.00}. The interest only payments Navient is requesting total {$2200.00} per month. These loans should be considered illegal and usurious. - I was contacted by a department at Navient called " the office of consumer advocate. '' They state they are an intermediary between Navient and the debtor, when in fact they are just another collection department at Navient. They used the fact that two of my co-signers died to make me believe they could help me obtain a hardship modification to my loans so that I would be able to afford the loans. They sent me paperwork to fill out and I returned the hardship paperwork for me and my surviving co-signer, with XXXX pages of supporting documentation. This department pretended not to receive the hardship documentation, even though I have a fax confirmation to their fax number. This department has not helped me obtain any kind of payment plan and the real purpose of this department appears to be to investigate the death of co-signers to attempt to collect on any assets of the deceased that may be used to pay the loans. - After my hardship paperwork was sent in, several representatives have continued to call me, all stating they did n't have my hardship paperwork. It appears someone received the paperwork and did not attach it to my account, but entered only some of the financial information into their system to make it look like I could afford to make payments on the accounts. They did the same for my co-signer. - I spoke with a manager who asked me to email her the paperwork. She pretended not to be able to open the email. She then made me upload the documents to Navient 's website. I received confirmation that the paperwork was uploaded to my account through Navient 's automated email system. The manager again told me they did n't receive the paperwork. I told her that was impossible since I received the confirmation emails. She then told me they would review the documentation and respond to me with payment plan options. When I call her department, the representatives refuse to let me speak to her and start from the beginning explaining my account as if I was not in the middle of working with the to obtain a payment plan. - The collections department has used my co-signed loans as extortion to make me pay all of my loans or none. They offered a reduced rate on all my loans, which I could not afford, but told me I could not just pay my co-signed loans- I would have to pay the full amount on those if I only want to pay my co-signed loans, even though my co-signer hardship paperwork was also provided. - The ombudsman was supposed to review a complaint I made and get back to me to resolve these issues. They have not contacted me. I contacted them and they do not return my calls. - Because Navient has continually delayed this process, my loans will report as delinquent on my credit and my co-signer 's credit in 4 days. -Navient 's collection processes are deceptive and they have no intention of working with hardship situations. They appear to stall the process and make it impossible to obtain an affordable repayment plan. The only plausible explanation for their actions is that they hope it becomes so difficult to work with them that you give up and make payments that you can not afford on your student loans. | ||||||
| 02/04/2016 | Yes |
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| Personally, I would like to stop paying because of XXXX reasons : 1. A large part of my debt does not fall under the classification : " Qualifies Higher Education Expense '' The XXXX XXXX Private Signature loan paid for tuition and living expenses. I received a check to pay for all of my living expenses off-campus because XXXX XXXX University does not have dormitories. The check I received paid for the condo unit, electricity, Internet/TV/phone, washer/dryer rent and groceries. I still have copies of what I paid each month and what I received from XXXX in a check towards those expenses. I believe that the amount needs to be readjusted due to their incorrect information received from XXXX. 2. The manipulation of arbitrary, capitalized interest rates while I was studying at XXXX. XXXX, the exit interview for financial aid counseling, whereby the counselor had already typed in the Federal % rate but wrote in the percentage rate with a pen for XXXX XXXX. The Promissory note from XXXX XXXX does not say the interest % on there and none of the documents I signed stated the interest written on any document. I did not see any statement until the quarterly interest form then the payment schedule and disclosure statement. They increased the interest rate for no apparent reason. I have attached the document that explains this. 1. Full Sail Signature Student Loan for Academic Year XX/XX/XXXX-XX/XX/XXXX through XXXX XXXX XXXX XXXX. ( XXXX/XXXX/XXXX ) Amount $ XXXX 4 % fee at disbursement = {$41000.00} XXXX. XXXX XXXX Alternative Loan for Full Sail from XX/XX/XXXX to XX/XX/XXXX. Amount {$17000.00} + 4 % at disbursement= {$18000.00} List of months and interest rates : XXXX XXXX, XXXX : Quarterly Interest Statement # XXXX Loan Date : XXXX XXXX, XXXX Annual Percentage Rate : 12.00 % Original Loan Amount : {$40000.00} Outstanding Principal : {$41000.00} XXXX XXXX, XXXX : Received Payment Schedule and Disclosure Statement # XXXX Annual Percentage Rate : 12.458 % Financed Charge : {$44000.00} Amount Financed {$49000.00} Total Payments : {$94000.00} # XXXX Annual Percentage Rate : 12.458 % Finance Charge {$26000.00} Amount Financed : {$17000.00} Total Payments : {$44000.00} Current Index : 8.75 % School : 3.750 % Grace : 3.750 % Repayment : 3.750 % XXXX XXXX, XXXX : Quarterly Interest Statement # XXXX Loan Date : XXXX XXXX, XXXX Annual Percentage Rate : 12.00 % Original Loan Amount : {$40000.00} Outstanding Principal : {$41000.00} # XXXX Loan Date : XXXX XXXX, XXXX Annual Percentage Rate : 12.00 % Original Loan Amount : {$17000.00} Outstanding Principal : {$18000.00} Outstanding Interest : {$3700.00} on # XXXX & # XXXX XXXX XXXX, XXXX : Capitalized interest on principal of {$59000.00} as of this date is {$5500.00}. Interest while in school 11.5 % XXXX XXXX, XXXX : Capitalized interest on principal of {$59000.00} as of this date is $ XXXX.Interest after completing school and during Grace Period. 11.0 % XXXX XXXX, XXXX : Capitalized interest on principal of {$59000.00} as of this date is $ XXXX.Interest after completing school and during Grace Period. 10.250 % ***I sent 2 letters explaining the information below to the Office of Customer Advocate and received an answer without even discussing the discrepancy. I know they do not want to deal with this. **Payment Totals as of XXXX/XXXX/XXXX I have paid the following : Principal : {$16000.00} Interest : {$35000.00} Total : {$51000.00} According to Navient : Principal Originally ( Loan # XXXX XX/XX/XXXX/Loan # XXXX/XX/XX/XXXX ) : XXXX Principal Now ( Loan # XXXX/Loan # XXXX XX/XX/XXXX ) XXXX Total : {$4400.00} There are discrepancies and I believe I have paid more than enough due to what I have outlined. I would appreciate any and all help to end this and/or get a refund. Lawyer? XXXXXXXXXXXX I am a prisoner in my own life. This is the story the magazine did about me : XXXXt | ||||||
| 02/28/2016 | Yes |
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| In XXXX, when I applied to XXXX University during their open house, I immediately apply for student loans and was approved for Federal Student loans. The loan amount did not cover the $ XXXX tuition, so the school told me they would take care of it and not to worry about anything. I was then informed I had been approved and I could start my program. When attending school, they required me to sign student loan forms without explaining what I was signing. Trusting on the institution as they said this was " standard procedure '', they would take care of everything, and based on my being approved by XXXX XXXX for Federal loans ; I assumed the school had managed to increase the Federal Student loan amounts. The school assured me that I was going to get a job after graduation and I would pay off my loans quickly. Little did I know that most of the student loan debt was Private Student loans with VARIABLE interest rates of 8 % +. I found this out after the graduation-date 6-month grace period. My first Private Student loan bill was for almost {$1000.00} ( Loan Amounts {$35000.00}, {$12000.00} ). I immediately contacted XXXX XXXX ( I had no idea that they had Private Loans ) to inform them that unlike the promises given to me by the school, I had not found a job on my field and I was struggling to find any jobs. I asked for repayment options, but they did not have any. The XXXX global financial crisis then begun. So the nightmare started, I called XXXX XXXX in multiple occasions to request repayment plans or alternatives to prevent my going into default ; all my requests were declined. Therefore the loans went into collection. This has been a never ending cycle : Private Student loans in default XXXX Being " un-hireable '' for decent paying jobs XXXX Unable to re-finance the loans XXXX Ballooning of delinquent Private Student -variable-interest-rate-loan to $ XXXX and counting = leaving me with no options. I seldom find freelance jobs and now I am working as a XXXX. Please note : 1. I have contacted the collection agencies and also XXXX XXXX in several occasions to try to work something out to NO avail. 2. When contacting collection agencies, not only I am been bullied, laughed at, and disrespected as a person struggling to make ends-meet, but my offers of manageable monthly payments have been dismissed. 3. All collection agencies ONLY have offered me : to pay the ENTIRE amount owed, period. 4. In XXXX, my family got together and offered {$20000.00} so I could offer a " settlement '' payment and get on with my life. When I offered this amount, the collection agency of the time wanted double of that, so they did not accept my offer. After this, my family got very upset as they saw the collection agency as not serious and they withdrew their offer to assist me. This offer is no longer possible due to my family 's current financial situation. 5. Loan counseling agencies have contacted the collection agencies and XXXX XXXX on my behalf, to NO avail. 6. The collection agencies are harassing my family, telling them they will sue them, take all of their money away and call their employers. I HAVE NO CO-SIGNERS/GUARANTORS. They should not be THREATENED AT ALL. 7. Managers of the small companies where I have managed to find few freelance jobs at, have been contacted, thus leading them to not contract me again. THIS HAS BEEN XXXX FOR ME AND MY FAMILY IN EVERY WAY AND IT HAS DEEPLY LIMITED MY ABILITY TO FIND A DECENT PAYING JOB. At this point I do not know what else to do, I can only offer monthly payments of {$250.00} a month ; but unless the Private Student Loan lender re-structures the loans to their initial loan amount and have an affordable FIXED interest rate, I will never be able to get out of this nightmare and find better job opportunities. For all these reasons I am reaching out to CFPB. Thank you. | ||||||
| 12/24/2015 | Yes |
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| I was paying back the loan, $ XXXXmnth for the past 3 years now under XXXX XXXX XXXX. The monthly payment for XXXX 2015 was not deducted from my debit and I waited to see it would or call to follow up on the matter by XX/XX/XXXX, if it happened again. My due date was every XXXX of the month. I started receiving calls XX/XX/XXXX from Navient, whom I was not sure whom they were at first, and would not leave a message or then leave a simple message just stating it was an urgent matter to discuss. When I finally called back, when I was available b/c they called always during my working hours, I spoke with a XXXX # XXXX of Navient and she explained XXXX closed and the case was transferred to them and immediately proceeded to request the money I owed and said they were giving me a great deal in cutting my balance in half and making a full payment over the phone that day. I said I did n't have the money and was n't ready to settle and preferred to continue to have the {$100.00} deducted as was being done with the other company. She insisted that it was better to settle and that I should request the money from a family member or friend and if I had one that can loan me the money since everyone did that.I refused. She became hostile and stated that then I not only owed {$100.00} but {$200.00} since I did n't pay for XXXX. I inquired why was I being penalized for that when I was not informed that my loan was being transferred over. XXXX asked, " do n't you have the money? you still owe it to us. what did you do with that money you did n't pay last month? '' I was surprised at her direct and unprofessional matter of handling this call, and only said I had medical emergencies ( which I did ). She said I still owed it. I said I would inquire more about that & and if I really owed it, but can commit to {$100.00} a month with them until I payed off my remaining balance, which does n't seem to go down much. She said she needed to deduct it and I requested that she please send me a letter with that information of agreement before I payed it. I told her I was still working and on my way to a meeting and could n't give such personal information over the phone @ the time. I spoke to her the second day and insisted I needed a letter first with the agreement. She said that I can ask all I want but they were not obligated to provide it. I then stated, that then I would not discuss the matter further with her, because I was trying to work out with her what I owe & repayment and she is not being helpful. She hung up wishing me happy holidays. She called back saying that she spoke to a manager and they can provide me with a letter as I requested and to call back but before XXXX. Since I was not able to call back that same day before XXXX, I called again the following business day and proceeded to confirm my email address and start the confirmation that I can do the {$100.00} a month on a specific day of the month. I asked her to send me the letter and then I would call back to make the payment ; since I needed to see and be sure of the agreement I was making with them and I know that is my right. XXXX answered I ca n't dictate what and how they do things and they need a date to take out the money. I said, " But why would I give it to you and then the date comes and goes and I have not received the letter from you? I request the letter with the agreement before, and then I call to make the first payment, I am even willing to give you the {$200.00} you state I owe. '' XXXX stated, " you owe this money and this does n't work this way. I told her all I needed was the letter with the agreement and it was right. XXXX stated I can have myself a good holiday because that is not happening and they need a date. XXXX hung up. I want to be able to settle the matter, but believe I deserve more respect of my rights and the letter I am reques, | ||||||
| 01/21/2017 | Yes |
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Web | Servicemember |
| I found out earlier today that my loan servicer, Navient, was not honest with me. The company is not fair in the way they conduct business and never disclosed any details about my loans nor offered any type of documentation or reminder that interest on my student loans would accumulate daily. I had suspicions about this company from the get-go, however, today I found out they were being sued by the Consumer Financial Protection Bureau. While I already contacted the CFPB and a representative was kind enough to share details about the lawsuit, it was a lot of information to take in. XX/XX/XXXX, I called Navient to obtain information about repayment options. It was then that I found out that approximately {$6300.00} in interest had accumulated on XXXX particular loan ( XXXX Direct Parent PLUS ). I originally requested the student loans XX/XX/XXXX. Obviously I was shocked and disgusted by this that I thought to myself, " How can this happen, why was n't I notified and who is responsible for this? '' Obviously I complained to Navient, however, they only made excuses and blamed the U.S. Department of Education and blamed me for not reading the fine print. I called the XXXX Department of Education to find some answers and they were worse and came up with more excuses and at times blamed the government and Navient. Navient was very quick to tell me that they can place me in deferment or forbearance until i was ready to pay. However, after finding out that interest accumulates daily I said, " absolutely not ''. On XX/XX/XXXX, I started making payments to Navient for some of the student loans. On XX/XX/XXXX, I paid a huge chunk of the loan which totaled {$25000.00}. If it had not been for the outrageous interest fees, my balance would be much less, in fact the original principal amount was {$19000.00}. That is a difference of {$6300.00}. Outrageous! Keep in mind, I paid with money I saved over the last 15 years. In my opinion, this is fraud at its worst. I also believe that this is the reason Navient is being sued, however, I am not clear about this whole lawsuit thing. I am asking that my complaint be taken seriously and not fall on deaf ears. I am requesting a refund for the interest that has accumulated since XXXX on my paid student loan. I also believe something needs to change in the way loan servicers such as Navient conduct business with consumers. To be honest, I never knew that interest would accumulate daily on my student loans. Please keep in mind, when I paid for my biggest loan ( {$25000.00} ) on XX/XX/XXXX, the new loan balance for the remaining loan numbers ( XXXX, XXXX, XXXX, XXXX and XXXX ) was now {$28000.00}, give or take. Since making my monthly payments beginning XX/XX/XXXX for the remaining loans, to this date the loan balance has only been reduced to approximately {$27000.00}. I am making a sacrifice to pay back these loans and at this rate, it will be impossible to pay off the loans during my lifetime, if Navient is allowed to continue doing business in this manner. I struggle each month to pay for these loans along with having to pay back medical bills, hospital bills, utility bills, other loans, etc. Also, XX/XX/XXXX, I found out that Navient had placed my loans on deferment without my singed permission. Obviously interest accrued for this time frame and it is very upsetting that they did this without my authorization. On the document I submitted where it shows my account history, please make note of pages XXXX & XXXX where it is dated XX/XX/XXXX for Direct Parent Plus Loan XXXX. Here you can clearly see the interest in the amount of {$910.00} and {$5400.00} for a grand total of {$6300.00}. I also included a document which shows my current loan balance on the remainder of my loans. Take a look at the interest that has already accrued. Please, I am turning to you for help on this matter. | ||||||
| 12/10/2015 | Yes |
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| I 'm writing to you with the hope of exposing what my family and I have endured with XXXX/Navient over the last 8 years. Moreover, I 'd like to ask for your help. I feel that I 'm being cornered and I do n't know how to further defend myself. I need your assistance in bringing an end to the bullying, harassment, incompetence, and the never-ending debt that binds me to XXXX XXXX/Navient. Several recent events have made me reach out to you. It seems that XXXX XXXX/Navient is becoming increasingly fearless, and they 've gone as far as issuing threats and attempting to extort my mother. The harassment, too, is becoming unbearable. They call my mother and uncle ( my co-signers ) XXXX times a day, and they call everyday. I receive at least XXXX calls a day, beginning as early as XXXX - even on weekends. My mother graciously pays for XXXX of my private loans to which she is a co-signer. For over a year, she was paying {$50.00} a month, and without warning, XXXX XXXX/Navient raised her payment by 320 %, making it {$160.00}. She immediately called XXXX XXXX/Navient and told them she could not afford the payment increase. After asking her several questions, their " automated system '' decided that she could, in fact, afford these payments. My mother, once again, told them she could n't, to which the operator told her, " If you do n't make your payments, we can report you and it 'll hurt your credit. '' That is extortion. That is a threat. They do n't have the right to threaten us with financial demerits. A good person should n't be hurt for wanting to send their kid to college. XXXX XXXX/Navient 's behavior is XXXX, XXXX, and XXXX. Over the years, XXXX XXXX/Navient has only shown itself to be incongruent, untrustworthy, and unreliable. I have invested countless hours into phone conversations, trying to negotiate a fair monthly payment. In the Spring of XXXX, XXXX XXXX/Navient and I reached an agreement, and for nearly six months, it worked out well. Without warning, and without my consent, XXXX XXXX/Navient increased my monthly payments by 343 % ( sound familiar? ), causing my bank account to be overdrawn and forcing me to spend money I had set aside for taxes. I called XXXX XXXX/Navient and explained that I could not afford the payments they had set for me. After asking me several private questions, their " automated system '' decided that I could, in fact, afford the amount they were automatically withdrawing from my bank account every month. The fact is that I 'm still paying my XXXX back taxes, and as a freelancer, I have to set aside 26 % of my paychecks, which XXXX XXXX/Navient does not take into account. After running the numbers, I have a monthly surplus of {$2.00}, and I do n't have health insurance. Their " automated system '' informs them that I can pay {$470.00} a month. How is that possible? Why is my fate being decided by a computer anyhow? Should n't there be a sentient, cooperative human being helping me navigate through the worst financial crisis of the last sixty years? Both my mother and I have called XXXX XXXX/Navient to negotiate payments, only offering what we could afford. XXXX XXXX/Navient, however, denied our offers, stating that they were insufficient. It 's all we can afford, so how can it be insufficient? I am willing and prepared to expose what XXXX XXXX/Navient has done to my family and me. I hope that you understand my full resolve on this matter. I can no longer bare the indignities and financial agony that XXXX XXXX/Navient imposes on me. I have composed an XXXX-page letter detailing several instances in which XXXX XXXX/Navient was unfair, bullying, and undeniably incompetent. This letter also breaks down my monthly finances, proving that I can not afford the payments they demand. At your request, I can provide you with these full accounts. Thank you for your time. | ||||||
| 07/18/2017 | Yes |
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| In XXXX I helped my son apply for a student loan A Federal Plus ( parent loan ) {$24000.00} A Federal Subsidized Stafford Loan {$3800.00} Totaling {$28000.00} XX/XX/XXXX was his first day enrolled at a XXXX XXXX school in XXXX , GA XX/XX/XXXX was his last day because he decided that he could not continue The graduation date was supposed to be XX/XX/XXXX I thought that the payments were to begin on XX/XX/XXXX or XX/XX/XXXX I received a notice from XXXX XXXX saying that my first payment was due in XX/XX/XXXX The payments were much higher than expected and my son was unable to pay because he was unemployed As the cosigner the loan then became mine to repay The payments were approximately {$320.00} in XXXX I made a couple of payments then called to ask for a reduction I did the forbearance several times The loan fluctuated up and down to as much as {$460.00} per month I was unable to pay because I was practically the only income of the household Then loan went into default and years later it has ballooned up to {$100000.00} I went into a program with XXXX and paid {$5.00} per month for 1 year Navient took over the loan I applied for the income based repayment plan I received a letter from Navient stating that I pay {$100.00} per month I continue to make monthly of {$100.00} every month I made several payments then Navient says that I should be paying approx. {$230.00} per month I have been making my {$100.00} payments for more than a year now I get calls everyday from Navient threatening to report me to the credit bureau and my loan will once again go into default I told Navient several times that Im unable to take personal phone calls during working hours but then continue to call between XXXX and XXXX I have received a letter stating that my monthly payments will increase to over {$900.00} I also receive a letter threatening wage garnishment In XXXX I helped my son apply for a student loan A Federal Plus ( parent loan ) {$24000.00} A Federal Subsidized Stafford Loan {$3800.00} Totaling {$28000.00} XX/XX/XXXX was his first day enrolled at a XXXX XXXX school in XXXX , GA XX/XX/XXXX was his last day because he decided that he could not continue The graduation date was supposed to be XX/XX/XXXX I thought that the payments were to begin on XX/XX/XXXX or XX/XX/XXXX I received a notice from XXXX XXXX saying that my first payment was due in XX/XX/XXXX The payments were much higher than expected and my son was unable to pay because he was unemployed As the cosigner the loan then became mine to repay The payments were approximately {$320.00} in XXXX I made a couple of payments then called to ask for a reduction I did the forbearance several times The loan fluctuated up and down to as much as {$460.00} per month I was unable to pay because I was practically the only income of the household Then loan went into default and years later it has ballooned up to {$100000.00} I went into a program with XXXX and paid {$5.00} per month for 1 year Navient took over the loan I applied for the income based repayment plan I received a letter from Navient stating that I pay {$100.00} per month I continue to make monthly of {$100.00} every month I made several payments then Navient says that I should be paying approx. {$230.00} per month I have been making my {$100.00} payments for more than a year now I get calls everyday from Navient threatening to report me to the credit bureau and my loan will once again go into default I told Navient several times that Im unable to take personal phone calls during working hours but then continue to call between XXXX and XXXX I have received a letter stating that my monthly payments will increase to over {$900.00} I also receive a letter threatening wage garnishment I reapplied for income repayment plan today XX/XX/XXXX | ||||||
| 09/07/2016 | Yes |
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| I have XXXX private loans through Navient which are cosigned by my mother. At the time I took these loans out, I was told that if I made two years of consecutive on time payments following a payment plan where I paid both interest and principal, that my mother would be removed as cosigner. After two years of doing so I submitted all necessary documentation to Navient and was denied via form letter. In the next 6 months after that I continued to make consecutive on time payments on a standard payment plan, got a raise, paid XXXX other loans in full and refinanced yet another that was through Navient and is now through XXXX Bank ( effectively repaying Navient in full for that loan ). I resubmitted a cosigner release application at the end of XXXX and was denied again by a form letter identical to the one I received 6 months earlier. The form letter states that I was denied for : proportion of loan balances to loan amounts too high//amount owed on accounts is too high// insufficient income. With my XXXX cosigner release application I submitted a letter addressing all of these " concerns ''. After my rejection I sent two follow up faxes asking for a response to my letter to which I received no reply. I will briefly address them here : Insufficient income : I have a stable job working for the state government. My salary is {$45000.00} per year. I receive XXXX paychecks per year, therefore, after taxes I make {$2600.00} per month on average. My monthly payment for the loans I am seeking cosigner release for is {$110.00} and {$130.00} ; combined {$240.00}. This leaves me with approximately {$2400.00} dollars left over after I pay them. It is ridiculous to state that I do not have sufficient income to make this payment by myself. Even if you consider the total of all of my student loans combined ( $ XXXX ), my salary leaves me with {$1200.00} of expendable income per month. I have no monthly expenses other than my student loan payment. I do not pay for housing, I do not have a car, I do not have dependents. The {$1200.00} a month left over after my student loan payment every month is more than enough to provide myself. Proportion of loan balances to loan amounts too high : The proportion of loan balances to loan amounts is exactly what would be expected after XXXX years of being on a payment plan required by Navient to make oneself eligible for co-signer release. I am not making fractional, interest only payments -- I am making substantial payments. Amount owed on accounts is too high : After being denied in XXXX, I took steps to reduce the amount owed on the account which contains the loans that I would like to remove my cosigner from. After refinancing a loan, the amount I owe to Navient for the account was reduced by 29 %. My mother, the co-signer on these XXXX loans is a XXXX whose health is being negatively impacted by the stress of this situation. My mother has never and will never be able to assist me financially in paying these loans. Due to her health issues she is not able to work , drive, or even cook for herself. The sole reason my mother 's name is listed as co-signer is that I took these XXXX loans out when I started college, at which time I was a minor with no credit history and needed a co-signer in order to be eligible for any loan. I now am an adult with an excellent credit history. For the past two and a half years I have worked at a job outside of the profession in which I hold my degrees to ensure that I would be able to make the payments for the standard repayment plan so that I would be eligible to release my mother as cosigner. None of my current loans, or the loans I 've paid in full have a cosigner other than these XXXX. This situation is causing undue stress on my family. I have fulfilled Navient 's requirements for cosigner release and would like my cosigner 's name removed. | ||||||
| 06/23/2016 | Yes |
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| When my repayment obligation began after graduating, I selected a graduated repayment plan offered to me by my student loan servicer, Navient. In addition to the graduated repayment plan, I was offered a reduced interest rate on my loans if I agreed to make my payments via auto-debit each month. I agreed to this feature to take advantage of the advantageous interest rate. Since the repayment period began, all payments have been made on time. I recently paid submitted an electronic payment in addition to my monthly auto-debited payment, which was applied toward the principal balance of one of my outstanding loans. Due to this surplus payment, that loan was paid in full. At the time I made the payment, I was permitted to select whether I wished to have my due date advanced. The options presented to me were inapplicable because I paid the loan in full. As such, I called Navient and requested to have my future payments allocated in a particular manner. I was informed that I was not permitted to allocate my payments as I wished and that payments would be allocated according to Navient 's policy, which had the effect of applying future surplus payments to the principal balance of all my loans, pro rata, rather than to the principal balance of the highest interest loan, as I requested. A supervisor confirmed this to me. Shortly thereafter, I sent a letter to Navient via fax and U.S. Mail explaining, in detail, how I wished for my payments to be applied. Rather than acknowledging my correspondence, Navient provided me with a form letter setting forth its repayment policies, which is entirely unresponsive to my inquiry. As such, I followed up with a second letter, sent to Navient via fax and U.S. Mail, again requesting that my payments be applied in a particular manner. This letter has gone unanswered, and as of my most recent payment, Navient as has failed to allocate my payments as directed. Despite requesting written confirmation of whether my payment allocation request could be accommodated, I have not received any communication from Navient. I have reviewed all relevant promissory notes, and believe that I am permitted to make excess payments on any loan of my choosing, and so long as my loans are current-which they are-I am permitted to apply such surplus funds as I wish. I have not located any Navient policy that would supersede the terms of the promissory notes, nor have I found any federal regulation permitting Navient to dictate the manner in which I may pay off my debt obligations. That said, I suspect that part of the issue may be due to the auto-debit feature I enrolled in when my re-payment obligation commenced. As noted above, I agreed to auto-debit payments to take advantage of the interest rate reduction I was promised for doing so. When presented with the offer, it was not adequately disclosed that enrolling in auto-debit would prevent me from directing how payments, which were made in addition to my monthly minimum payment, can be allocated to my several loans. If this is indeed the reason for Navient 's noncompliance with my request, it is a borderline deceptive practice. Borrowers are induced to enter the auto-debit program with the promise of a minuscule interest rate reduction. Auto-debit also reduces the cost of postage, as well as the time and effort needed to manually submit a payment each month. In my case, the promised interest rate reduction will actually increase the amount of my total repayment obligation, because Navient 's practices are preventing me from making additional payments to the principle balance of certain loans. Auto-debit is a feature offered by nearly every financial institution today, and the feature is typically offered without limitations or caveats. Borrowers should be permitted to specify the amount and allocation of their auto-debited payments. | ||||||
| 03/27/2020 | Yes |
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| I tendered a payment to Navient in the Full Amount to pay-off an alleged loans on XX/XX/XXXX. I'm reporting and making a complaint all in one. Navient extorted money from me. Now, they are threatening me, saying if I don't pay the alleged loans, which I already have, they were going to garnished my wages from my place of business and garnished my income taxes. According to the State of Pennsylvania, In this state, extortion is defined as the intentional taking or withholding of another 's property by threatening to : commit or accuse another of a criminal offense, expose a secret that would subject the person to hatred contempt or ridicule, use one 's status as an official to take or withhold action, cause a strike or boycott, testify or withhold information in court or inflict other forms of harm, if certain demands are not met. Property includes not only money, but also anything of value, such as real estate and contract rights. Penalties for extortion in Pennsylvania depend on the value of the property that was extorted. If the property taken was valued at more than {$2000.00}, a defendant may be charged with a third-degree felony. Third-degree felony extortion is punishable by up to seven years imprisonment and a fine up to {$15000.00}. If the property was wrongfully obtained through threat or breach of fiduciary obligation, it will be classified as a misdemeanor of the first-degree, which carries a sentence of up to five years in prison. I'm staying in honor, Navient is not and by the shady business and the fraud they are doing, by the laws of Equity, Navient is not staying in honor. I don't want to argue and go back and forth. I'm just staying in honor. Equity doesn't deal with statutes and codes. XXXX : The law will not allow an injury without a remedy. Navient has injured the borrower, which is I, XXXX. Therefore, Navient has to give me my remedy by law. Equity follows the law, which means, when the law fails, equity will take over. Maxim : The law is nothing without equity, but equity is everything even without the law. So every piece of paper Navient gave me was money. Since we don't have any money since 1933. President Roosevelt signed executive order 6102 to have all gold and silver removed, leaving me the inabilities pay my debts off. Congress gave the peoples a remedy which is HJR -192 and public law 73-10, is that remedy. So one Navient gave me that piece of paper they gave me money and under the Law of Notice, Navient was asking me what do I want to do with that piece of paper? So when Navient Representatives call me the first thing they said was " this call is being recorded, this communication is from a debt collector, any information obtained will be used for that purpose ''. ( Information means charge ). A charge, whether it be the cop, a credit card statement, a student loan voucher, etc.. is simply a claim against property. Who is the property? Me, I, XXXX XXXX. Since my ability to pay for things, as per the Constitution of the United States says in Article 1 Sec 10.., was taken away in 1933 when the money changed.. They had to give us a remedy, and that remedy is in the Charge itself. We have a charge from our Creator and it is to " Come Out of Her My People '' .. get out of Babylon. One can absolutely do that and without having to live under a rock or in a cave for the rest on ones life. According to the Negotiable Instruments law, every piece of paper they send you with a demand on it is a negotiable instrument. I will leave with this one very important definition out of Blacks Law Dictionary 6th Edition : Discharge in Equity Practice. In the process of accounting before a master in chancery ( any judge ) the discharge IS a statement of expenses and counter-claims brought in and filed, by way of set-off, by the accounting defendant ; which follows the CHARGE in order. | ||||||
| 08/26/2015 | Yes |
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| As an undergraduate student in college, I was not eligible for many of the typical students ' loans as my mother was a teacher and although she had XXXX children in college, was said to make too much money for me to qualify. So, after failing a few classes, a couple of breaks in school, and becoming dedicated to my education my period of financial aid lapsed and I was forced to apply and get private loans through XXXX XXXX as an independent student. Right after finishing undergraduate school, they ( XXXX XXXX now Navient ) began calling me and my co-borrower at least XXXX times daily. Not wanting to harm her credit, and willing to help me out, she paid the very high payments for a long while until I could attempt to locate employment. After she grew ill, and ultimately diagnosed with XXXX XXXX she became unable to be scared into paying. By this time, I was now working at a low paying job and back in my home state, and was told that in economic hardship was not an option with private loans. It was at this time that my mother began paying the loans again due to her not wanting it to negatively affect my credit or the credit of her friend. After being laid off in XX/XX/XXXX, I decided to make a transition in careers due to having been laid off several times over the period of the last 3 years and began attending school to obtain a XXXX, and began using my in-school deferment while I completed my XXXX program. Now, I have a XXXX year old son and another serving in the XXXX and my needs have greatly changed. Since last summer, I have received so many inconsistencies with Navient about the methods of postponing repayment of my loans. Initially, I was told that I qualified for deferment, but was soon after told that I have exhausted this period and in-school deferment was no longer an option. Following that, I attempted not to worry about it so much, but did/do greatly as I know the possible affects it can have on my credit report. So, for this reason I contacted them again to discuss forbearance options, which they explained were not offered initially. Each day I had to discuss the issue with my mother as they had begun calling her using the same scare tactics as before in hopes of getting payment as she usually did in the past. They have been rude, they have lied, they have made unauthorized charges, and they have overcharged her in hopes of getting any money to pay this debt. Do not get me wrong, I realize this debt is there and present, but there has to be some sort of laws against what is happening or that protects me. They told her to have me go to the school that I attend and obtain a in school list of classes and submit it and I would be granted deferment again ( in XX/XX/XXXX ), and when I called in after faxing the information to the company, they said I did not qualify. However, the last straw came today. In XXXX it was explained to me that if I paid {$150.00} I would be granted a forbearance and against my better judgement, I agreed. I had no choice, as I stated I am an unemployed mother with a family that is sacrificing getting ANY job to think about my family 's future and obtain a career that with sustainability. However, I was tricked again! They explained to her when she called and paid the money for the forbearance that they would email the forms to me to submit and secure the payment postpone, but it was never received. Then today, when I called to see why as I received a new bill, the representative XXXX ID # XXXX explained that again I do not qualify. I immediately grew livid and asked to speak to a supervisor. After placing me on hold, she came back and told me that none were available as they were in meetings and that she could have them call me later. Not feasible. I am tired of being lied to and manipulated, and it must stop now! I am stressed and am trying to do all I can t | ||||||
| 01/25/2017 | Yes |
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| I am a graduate of XXXX University and currently have multiple student loans with XXXX XXXX, now known as Navient. My student loans have now or are in the process of switching over to collections. I have tried to work with both XXXX XXXX and Navient to make payments under a financial payment plan. However, neither company wanted to work with me and came up with their own amount that they wanted me to pay for the loans, which was quite a lot for me. I was able to make a few payments of what they were wanting me to pay with automatic withdraws from my checking account. There was a few time that I would ask to just have my payment to be taken out a day or two later than the due date due to my paycheck date and they refused to do it. I would have insufficient funds and would be charged fees at my bank account, because they would n't push it back. They kept telling me that if I stayed on the payment plan I would go into good standing and I never was put into good standing even after being on this plan for a few months. My cosigner along with myself would send in payments, because they would send my cosigner papers stating I was late when I was not, so she would in turn send in more money to them. I have always said that the payments that we were posting were not posting correctly and they were just keeping our money. It was hard to verify that due to myself and my cosigner paying different times. When we called to ask they always justified the payments somehow. My student loans have sky high interest rates, even with my cosigner! The interest is still climbing and there is nothing they are willing to do to help me. I have tried to consolidate my loans with another company, but unfortunately my debit to income ratio will not allow me to do so. I have also asked the companies themselves to consolidate my loans and make one payment instead of individual payments, but they said they could not do that either. I have been forced to be but into deferment/forbearance before due to them not working with me during difficult times. I have often thought it would be easier to deal with a collection agency or to have them garnish my wages to have a cheaper payment. I should not have to feel that way with a company that was willing to help me further my education. XXXX XXXX ( Navient ), and the collection agency that my loans called XXXX XXXX XXXX have continuously been calling my employer, cosigner, and myself nonstop! I currently work at a doctor 's office and they have been told over and over again to stop calling the office by myself, co works, and office manager, but they continue to call!!! They have also send over multiple papers that they have requested my employer to fill out which they have and always do and yet they still continue to call me. I have tried to explain to them that my hours are the exact same as their hours are and the easiest way to get a hold of me is through email, but they will not communicate that they. It is very hard and frustration to work with a company that is not will to work with you on payments or even listen to you after you have been telling them not to do something and they continue to do it. My cosigner has tried to talk to them as well and work out something as far as payments go and they are unwilling to work with her either. My cosigner is in a fixed income, which they knew that, and they are requesting most of her income as a payment for the loans. If she was to pay it she would not have enough money to survive and they do n't care. My credit score has completely declined over the years due to this company reporting to the credits that payments are not made when they had been. I have plenty more I would like to complain about however we are limited of what we can say and in completely understand. If something could be done about these issues I would be forever grateful. | ||||||
| 03/08/2017 | Yes |
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| I attended XXXX, a computer training school. I made an agreement with XXXX ( XXXX ), A third-party collection agency working on behalf of Navient, that they were authorized to accept {$2000.00} as payment in full for my student loan. It was further agreed to remove all derogatory information from my credit reports upon receiving this payment. As agreed, all negative school loan information was removed from my credit reports only to be replaced on my credit report again year later. This was originally a joint account with my mother and myself who cosigned the loan. There were additional " unverifiable '' comments made by Navient that the agreement was only to remove the co-borrower from the loan. Conveniently, XXXX has no record of having serviced my account, which leaves me only to deal with the refuted agreement as Navient has chosen to interpret it. They finally agreed to modify my account only to leave it in a damaged state. The original agreement was to completely and permanently remove the student loan account or delete all derogatory information. The recording of the conversation and agreement is also conveniently unavailable by XXXX or by Navient. After a year worth of disputes since the agreement was made ( XXXX ). The student loan still remains as a derogatory account on my credit file with the statement added " settled in full, for less than the full amount ''. As a last effort create a winning agreement, I sent Navient a certified letter outlining very specific terms for a modification of the information currently being reported in exchange for additional funds in the amount of {$500.00}. I followed up a week later with a second letter restating the details of the first letter with the check enclosed as previously foretold. The body of the agreement as outlined in the second certified letter that I sent is as follows : " I have a closed collection with Navient that has been paid in full, but for less than the full amount. Upon my speaking with a representative of your company, I have learned that the entire debt that was in collection was in the amount of {$5600.00}, which includes all taxes and fees. The amount that was paid to settle this debt in full was {$2000.00}. As I 'm sure that you are aware, simply making a payment towards a settled account will not have an impact on my FICO score, which is my primary concern. With this in mind, I would like to make the following proposal, which if you choose to accept is a " non-negotiable '' agreement between Navient and me. I have enclosed a personal check by U.S. Postal mail via certified delivery in the amount of {$500.00} as full payment of the full amount that was previously forgiven. This check includes a " restrictive endorsement '' on the back, which reads as follows : " By cashing this check Payee agrees to accept this check in full payment of the account as agreed and agrees to remove all derogatory information from Remitter 's Credit Report '' Cashing or depositing the enclosed check is your acknowledgement of the terms and conditions agreed to in this letter and it is also agreed that the corresponding adjustments to my credit report shall occur within 30 days of cashing or depositing the aforementioned check. I hope that you will accept my proposal, as it is a win-win scenario for all parties involved. Thank you for your consideration. '' In addition to possessing the receipts for delivery of both certified letters, I received a letter from Navient acknowledging receipt of my correspondence. The letter and the check had very specific terms of agreement which are supported by NC Accord and Satisfaction Law. However, Navient has on after thought chosen to mail me a check to refund the {$500.00} which remains uncashed as it does not resolve the breached agreement that they entered into upon cashing the enclosed check. | ||||||
| 12/09/2015 | Yes |
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| Michigan XXXX XXXX XXXX XXXX, XXXX XXXX, MINavient harrasses me and co-signers by phone and continues to do so even though I have never been in default. They treat me and my co-signers disrespectfully. They add fees, jack up interest, and refuse to offer reasonable, payable, payment plans. They allocate payments they way they want to even with written instructions as to the payment allocation. Web payments sometimes do not go through initially or no confirmation is given. They may then go through several days later, or I may remake the payment as there is no record of it. This is a scam to get paid twice. They make many errors, including reporting a co-signer 's credit balance as a past due amount on the credit report. They sometimes send statements to co-signers, sometimes do n't. Navient makes marketing calls and send out marketing information to borrowers and co-signers. Navient presents itself as an advocate to encourage personal financial responsibility by learning to manage the loans, but then makes it impossible to do so. People are financially destroyed. ( Please see XXXX XXXX 's statement on the website about this - total hypocrisy.sEmployees are rude. They do not respond to complaints. They treat borrowers like they are criminals. Every time you talk to a phone represetative, you have to start all over. You can rarely get the same person twice. Uploaded documents never show up on the inbound correspondence summary. Even when a payment agreement was rescinded by me, in writing twice, they continued to take money out of my bank account. The loans are fraudulent. Borrowers were not informed that the loans were issued under a money by fiat, fractional reserve banking system so that no assets were given at initiation of the loan. Interest and fees guarantee that the loan will double/triple and will never be able to be paid off. Loans are bundled/securitized and sold off to investors. Navient/XXXX XXXX 's intent was that the borrower would become an indentured servant with no way out. BUT that was not the understanding of the borrower at the time of loan initiation. Navient acts as if they own you and demands access to all private and financial information. They want to grill you on how much money you spend on food or pets, and try to tell you how much you should spend and how to live. Navient does not care if they destroy lives. Their only motive is to make a profit off of human beings they have commodified. Their practices are shady, change often, and are always guaranteed to cost more than stated. My accountant has reviewed the original loan documents and confirmed that the actual interest rate I am paying is much more than stated on the loan document. Education is a human right and the US is the only developed country that does not have a free higher education option. We are an oligarchy where only the rich and powerful have access to basic needs. And our government allowed itself to be bought by XXXX/Navient lobbyists and removed consumer protections and bankruptcy options for student loans. Navient is a criminal operation. I have written XXXX XXXX several times, talked with XXXX XXXX in the Customer Advocate office and get NO WHERE. For 12 months I worked with them to get a reasonable payment plan when my salary was reduced when I took a new job. There has been no reasonable option available. This has destroyed my family who co-signed and ruined my life. I am XXXX, will never be able to retire or save any money. One year I paid {$15000.00} in loan payments and the loans continued to grow. In what universe does this make any sense? Why has this even been allowed in this country? Is there no one to help? Unless there is major change, do n't be surprized if many more people XXXX. We all need to stand up and refuse to pay until this system change | ||||||
| 02/18/2023 | Yes |
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| Once again Navient has started the phone calls calls Wed then saturday XXXX at XXXX XXXX. Representative on wed was asked to do few things to look she failed and refused to do them. Then came again on saturday from some one in XXXX asking for money and personal information that was placed from a california number. Why is a company calling me on a saturday or even wed or the time before that when a month ago I was told by a manger with navient I had nothing to worry about my loan is gov forgivness and I dont have do anything or worry about anything. I have been told this now twice but the phone calls keep comming the reps I talk to know don't even acknowledge this until I speak to three mangers above the first representive I talk to. Navient will come and will back and lie about what I have been told by their they do this everytime until speak to the right person. So not only do I get threatended harrassed and lied to not mention all the time they waste. I admit call their reps names ask they work for a company that belives in these ideas of business ethics. some of the responses I am getting are startign to make some of their reps reconsider their employment with the company, understandable. I wouldn't work a company that treats people like that. They should be extremely proud. Since this this is now the second complain with this organization phone calls are now going to be recordd and logged. Harrasment caharges are getting to get filed throught court. Groups and others I will talking to aboung more lawsuit navient. I get told at least a month fo last last three months My stuff forgiveness and nothign to worry. Then a couple weeks ater the phone calls. I have now started to ask the representives to pull calls up to listen them where it is that I have d whre I do not have to worry about my loans. They refuse to do this instead try to collect money wont listen to anything I have to say but if i get right person on phone I get told theri rep failed to process my paperwork and their gon na take care of it. I will companits every phone I get from navient I will record the phone calls since the run around I will creat a log of thier calls since they he frequency they call begging for money is acceptable. Perhaps if they practiced decesnt busness ethics they wouldn't be getting sued for XXXX XXXX or have others c. I never signed paperwork with navient but have been told i was notified when they took over my loan never even until I started getting phone calls demanding my personal information from a company I never even heard of. But yet their reps demand on insisting i revieved paperwork. They must be XXXX XXXX XXXX XXXX is only thing i can com up with people travel people move. I am getting phone calls from spam numbers out of california and other states when i answer it someone in another country. In this day and age with all the spam calls and auto dialers why would people want give any information to someone in another country claiming to work a company that you have you have already been told you dont have anything to worry about and your loan is taken care of. Why do they have to use spam numbers and people who can speak clear english. I am no longer going to believe any calls that come up as spam on my phone with a woman XXXX XXXX XXXXXXXX who even says she in another country or some one talking in XXXX demanding i give them personal information. what I am going to do is file complaints each every time and since their reps will look up previos phone calls they have recorded I am going to go through the trouble of getting courts to have have them provide these to me so I can play them when reps call and then a complaint along with harrasment. I am done dealing with a company who lies and when asked to do things to get the accounts in good standing they refuse every request. | ||||||
| 06/23/2019 | Yes |
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| Navient ( and Sallie Mae prior to transition/re-brand to Navient ) have overcharged me approximately {$35000.00} since XXXX. Navient has been debiting an extra payment of {$220.00} every month that was not applied to my loans. This came to my attention when I paid off my loans in XXXX of XXXX, yet Navient continued to debit {$220.00} from my account AFTER said loans were paid and closed. I did not catch this sooner because my loans go back to the early XXXX, pre-Internet. I had payment coupon books to send paper checks by postal service. I spent time in forbearance with accruing interest. Loan balances went up because of accumulating interest, payment amounts were increasing and in flux. Then in XXXX there was a Sallie Mae consolidation into two loans. At that point things stabilized but all that registered with me after all the changes was that 1 ) I have 2 loans 2 ) Navient/Sallie Mae are taking 2 payments each month. From there I just tuned out on autopay because I knew that I would be paying this for another 15 years. Fast forward to XX/XX/XXXX and I pay off my loans in full. No more debits should hit my account from Navientbut still Navient continues to take money from my account. This of course is a major red flag and finally I see that they had been taking the extra {$220.00} per month all these years. Where did that money go? It was not going to my loan, as you will see from attached documents I notified Navient of this around XX/XX/XXXX ( over a month ago ). Navient rep did acknowledge verbally they could see the {$220.00} on recent internal statements ( which is odd because when I log into my Navient account online there is no record of the monthly {$220.00} definitely it was NEVER being applied to my loan ). I have the bank statements and ACH confirmations/debit IDs from XXXX XXXX XXXX showing the extra debits from Sallie Mae prior to XXXX ( or so ) and from Navient since. After a month, no one at Navient will give me answers or give me a timeline to get my money back. They do not communicate and do not deliver on promised call backs. I have to call them and each time I do I get ambiguous information and nothing more than " it is being researched ''. {$35000.00}! I have attached the following : Excel files : Navient by Transaction this is the complete record of payment history on my 2 loans. Two loans serviced per month that were combined into a single payment/debit or {$160.00} monthly. This was the legit payment being applied to my loan from the point of Sallie Mae consolidation, XX/XX/XXXX to XX/XX/XXXX. PDFs : Navient 1098-E Shows interest on my loans reported to IRS by Navient for calendar year XXXX. This will tie back to Navient by Transaction worksheet and confirm that I had no other loans on with Navient and that the payment of {$160.00} was the only legitimate payment owed. JPEG Images : Sallie Mae Consolidation Autopay This is a letter from Sallie Mae informing me of rate discount for autopay. It shows the date of consolidation when Sallie Mae became loan servicer and when debits began XX/XX/XXXX. Navient Paid in Full w highlight This is a screenshot of my current Navient account status. It shows paid in full with the last three transactions on the account for my loans : {$1600.00} payoff amount plus last two monthly debits of {$160.00}. PAID IN FULL as of XX/XX/XXXX. Most Recent Transactions This is a screenshot from my bank account of all Navient transactions ( debits ) available to view online. This will show you that the {$220.00} was also being taken from me every month and it will show that the {$220.00} continued to be debited AFTER I made the final payoff amount. I contacted my bank to block any future debits from Navient Please let me know if you have any questions or I can provide anything else to motivate them to return my money. Thanks. | ||||||
| 09/02/2018 | Yes |
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Web | Servicemember |
| XXXX has decided that the easiest way to deal with issues is to just lie when you are on the phone with them, and to not provide the information you request in writing. The telephone representative told me that they don't see the information that I'm talking about and offered to mail me an updated report. Instead, they mailed me an old report from eight months ago : the report was literally one from XXXX of XXXX, and it had a tremendous amount of inaccurate information. That meant that I then needed to wait an additional twenty days to obtain my new report online. As of today, XX/XX/XXXX, I have done so, and sure enough, the information is still inaccurate, and it is most definitively there and viewable. In short, I should not have ANY information on my report. There are four accounts that are considered positive. The problem that only one of those four is mine, and it is from XXXX. I don't want something that is paid and from XXXX on my report. I don't care if it is positive. It doesn't need to be there, and XXXX need to remove it. The other three that are supposedly positive aren't mine. One is listed twice in XXXX. They are for student loans that I never had, so whether they are positive or not, they are inaccurate, and they shouldn't be there. I have provided documentary proof multiple times, including a court judgment, and XXXX still won't remove this information. I have also included a police report number. All three accounts need to be removed. I can't believe the representative lied, said that he would send me proof in the form of a report, and then sent me something from XXXX, and now, I see they're all still there. XXXX has wasted so much of my time, and I am going to just sue them if this isn't corrected this time. I have already submitted prior CFPB complaints, and no resolution ever occurs. Finally, there are four completely fraudulent accounts that are considered negative which are from the U.S. Department of Education, listing dates in XX/XX/XXXX and XX/XX/XXXX, which is impossible because you can't get two student loans for the same year, but only one month apart. Listed out of order, which also doesn't make sense, are the remaining two with dates of XX/XX/XXXX and XX/XX/XXXX. There are no records of these accounts with my college, or with the U.S. Department of Education. Tuition was {$530.00} per year back when I went, and I did not take out loans, which I have previously addressed with XXXX several times. I want this removed immediately. If it is not removed, then consider this my Notice of Intent to Sue, which I will promptly do in the State of California within thirty days of this notice. Overall, XXXX needs to stop relying upon the NSLDS system to provide its fraudulent information. Companies are allowed to list in NSLDS without providing any proof of anything. It means that we, as consumers, have to routinely being the correction process. This is a drain on the overall productivity and functionality of our citizens, and it has to stop. I am middle aged and have been working for three decades. I am tired of dealing with the same issue and having to continually repeat myself. I have the right to have accurate information reported about me, which in this case is NONE because I refuse to participate in the consumer economy after the colossal failure on the part of politicians in XXXX. I will not participate in a debt economy, I have no debt, I will not have consumer credit cards, and I have the right to have an accurate credit report that reflects my decision. STOP LYING XXXX, and FIX MY REPORT NOW. I don't want you giving my personally identifying information to people in other countries, I don't want to talk to people who have no vested interest to be truthful, and I don't want to fight through the process of communicating with someone who can't understand my language. | ||||||
| 01/20/2017 | Yes |
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| To whom it may concern I would like to file a compliant against XXXX XXXX and Navient, my private student loan financial provider. They have provided inaccurate or misleading information since beginning my payments post graduation. This has caused extreme financial hardship along with limited options available for me to pursue a career. I have never missed a payment through extreme measure taken by family and I and feel their treatment was unjust. I financed part of my college education through private loans. I had to because I was unable to receive full financial services through federal loans due to both of my parents each working a full and part time raising their income over the threshold for full federal assistance. I graduated from XXXX University XX/XX/2012 and began making my payments on time 6 months after graduation. In that time, I attempted to develop a plan to repay a debt that had grown substantially over the years due to high interest rates. I had studied to become a teacher and had a desire to peruse a career in XXXX. I soon came to the realization that I would not be able to sustain living on my own and making my college loan payments. I was fortunate enough to be able to move back in with my parents and rely on family to assist me with monthly bills I could not meet. I was willing and applied to position outside of the XXXX area but could not accept them because of these student loans. When I reached out to the XXXX XXXX who was the servicer at the time I inquired if consolidation or any other options were available to make my repayments more affordable. The representatives repeatedly told me that these options did not exist and that there was nothing they could do. My older siblings had been able to consolidate but when I asked the answer I received was that those options no longer existed. With no other options my father was forced to withdrawal money from his XXXX savings in order to pay off my XXXX highest interest rates loans. The minimum payments I was making were not even stopping the growth of the debt. These XXXX loan interest rates were 11.625 %, 13.875 %, 14.875 % and 12.125 %. These rates were given to me even with a co-signer. This action resulted in my father being unable to retire and he is still currently employed full time. Only after this extreme measure was taken did XXXX XXXX acknowledge that they were willing to discuss repayment options. Their primary objective most likely being to prolong my loans and make more money now that my highest interest earning loans had been removed, I was incredible upset but thought that there was nothing I could do. From that point I attempted to stay in public education full time and work part time jobs as well in order to try and pay down my debt and was able to pay off one more loan in full. In that time XXXX XXXX switched my provider to Navient. After three and half years of trying to make it work I decided that my pursuit of working in public education would never enable me the freedom of finally paying of my student loans. I am now married and work in the public sector, my wife and I still continue to struggle making our loan payments but I know if I had been provided better information from the start from XXXX XXXX I would be in better financial shape today. If they would have offered me repayment options from the start my career might have taken a different path and I would still be in my desired field. They took away my ability choice a desired path while being responsible with payments and debt obligations. The situation I find myself in is common for many Americans who have sought higher education. I feel that XXXX XXXX and Navient have acted unethically in the handling of my loans. They provided me no options for repayment a took advantage of my situation. My entire career has been altered and my life direc | ||||||
| 09/13/2016 | Yes |
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| I have made payment by auto pay on my private loan for years. In XXXX XXXX, I logged onto my Navient account to make a payment and to change my bank information because I had changed banks. The XXXX payment drafted successfully from the correct account. When I began to balance my XXXX statement in XXXX, I realized that no loan payment had been made in XXXX. I immediately logged into my Navient account and, to my horror, received notice that I was past due. The account, however, said that the amount then due was over {$1500.00} dollars. My normal payment amount per month is under {$70.00}. The Navient website is not simply confusing - it truly appears to be deliberately designed to mislead about what is due and to force you to pay more than you are required and more than is due. I have XXXX other loans managed by Navient, XXXX of which are currently on an income based repayment plan, and both of which are not due for any payment until XXXX. However, when I logged on in XXXX and today, the first thing my page says is that those accounts are XXXX " due '' and it demands payment for the full amount it says is due. When I paid last month, I ended up paying {$280.00} when less than {$140.00} was due ( for XXXX and XXXX ) and which essentially represents XXXX payments at once. I contacted Navient last month - ca n't remember if it was by phone or email - and told them I was extremely unhappy with what happened and that I needed help putting my account back on autopay b/c nowhere on the webstie would it allow me to do that unless I authorized it to draft my account for ALL the loan accounts, an amount I am neither currently obligated or prepared to pay. I heard nothing back. I logged on this month to make another payment b/c I am still not on autopay, and now it says that I have missed XXXX payments ; still shows me past due and still demands payments on ALL of my loans, rather than just the XXXX that is in a repayment status. I called in and, briefly, I was told that the payment I made in XXXX was only for {$71.00}, which was only XXXX payment ( and includes a penalty for late payment ) and the rep denied that I had made any other payment. She also insisted that the only way she would put me on autopay was if I submitted yet another payment. When I told her that I was looking at my bank statement that clearly showed a payment for $ XXXX to Navient, she insisted that I send in my bank statement to " prove '' it. She also informed me she would n't get my fax when I sent it and it would take a frew days for it to be put in their system and then more to address it. She repatedly insinuated that I was lying about the amount of the payment I made and insisted I make another payment, even when I was disputing that I owed any payment. She also told me that she could n't tell why my account was taken off of autopay. She also suggested that the missing payment may have been applied to my other loans. I sent in the statement to the fax number I was given and I spoke to her a supervisor at length and he was more rude and less helpful than she was. This is abusive. Their website is abusive, and the XXXX customer service reps I spoke with today, XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX id XXXX, allegedly a supervisor, were XXXX awful. XXXX started out sounding like she wanted to be helpful but devolved into being determined to not be helpful with a hint of bullying and XXXX was outright rude, snarky, patronizing, indifferent and determined to be unhelpful. I caught him in multiple contradictions for his excuses why he could n't afford more help than " we 'll get back to you '' and I have no faith that either of them accurately recorded the notes in my file. I recorded the conversation myself and took screen shots of my account to demonstrate how misleading it is but your site would not let me upload them. Thanks. | ||||||
| 01/26/2017 | Yes |
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| I co-signed XXXX XXXX XXXX loans for my son who started college in XXXX. He is the primary borrower. While in college, I paid {$25.00} a month on each of the loans. I can only assume the payments went to interest as after repeated demands we never received any documentation how the payments were applied, and I could never get a straight answer over the phone. I made such payments from XXXX to XXXX. A few years ago, Navient assumed the loans still paying {$50.00} a month on both. In XXXX my son stopped going to college. Six months later, regular payments became due. My son was making most of the payments and I believe had a forbearance at one point. My son last paid XXXX. He repeatedly called Navient asking that they reduce his monthly payments to a sum he could afford as he was moving out renting a room and could n't afford {$350.00} a month combined on the loans. He consolidated a few smaller federal loans which he is still paying but Navient said we needed to qualify for hardship. Problem is my husband ( second not my son 's father ) has his own student loan debacle with XXXX federal loans ( he took out for his daughter 's college ) where he applied for eligibility to a public service loan forgiveness program he learned about at work. Servicers were switched without his consent when he merely applied for eligibility. Payments went from {$140.00} a month to {$890.00}. We ca n't afford that and now the consolidation process is being dragged out so he 's in default. ( that 's a separate complaint my husband filed ) I then called Navient and gave them all of our information regarding income and monthly expenses to see if we qualified for a reduction in monthly payments. My son already gave them his expenses. We were told we would qualify for a reduction. When he spoke with Navient including supervisors, however, they kept repeating the same talking points that they needed to hear from me. I called them yet again and again saying I had no financial updates. On XXXX, I lost my job. I have been in the same profession for 42 years. I called Navient advising them of loss of income trying to work out a reasonable monthly payment repeatedly as has my son. We were told we definitely qualified for hardship. I was again told to have my son call to renegotiate the monthly payments. He would do that only to be told they needed to hear from me, AGAIN. Navient dragged this out that now it 's 3 months behind and we are now reported to credit reporting agencies. This is XXXX good faith negotiating on Navient 's part. No one looked to shun payments ; only to make them reasonable. While I am home looking for work, taking online classes, going to interviews, attending work studies, etc., Navient is calling my home phone and cell at least a dozen times throughout the entire day starting at XXXX until late at night. They never had any intention of renegotiating the loan to something affordable under the circumstances. I received my first unemployment payment this week for {$XXXX} gross which includes two weeks of unemployment without taking out taxes. They see repayment of their loan as a priority over food and a roof. My XXXX credit rating is shot. I have never defaulted on a loan my whole life. My son wants to finish school but ca n't afford to run into a similar problem with another provider in order to finish his education. I said to Navient mortgage holders work with their customers if they fall behind putting what is delinquent on the back of the loan while lowering the interest rate thus the reduction in monthly payments, and even the IRS will work with you yet privately owned Navient commits unethical collection practices in harassing families, failing to negotiate in good faith and failing to disclose where payments are applied. I would completely discourage everyone from using any student loan servicer. | ||||||
| 02/20/2017 | Yes |
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| My dad I have been in discussion with Navient, a company that I have XXXX student loans through. We are trying to come to conclusion on what I actually owe and what they are currently saying I owe. I can not get a straight answer from them. I have XXXX loans that total to {$31000.00}. For the past 5 years I have paid XXXX a month to cover interest on the loans. This adds up to about {$2400.00} annually and in 5 years the total is {$12000.00} dollars. I can not get an answer as to where the XXXX dollars went towards. They insist I owe them a total of {$43000.00} if I were to pay the XXXX plus an additional XXXX that we paid the total is XXXX for a XXXX loan. The student can never afford this especially when they agreed to take payments on the interest. We are happy to pay a fair share, but I am not supporting this XXXX Scam that Navient has going. The other issue is Navient 's bullying tactics. they employ a very hostile and threatening approach -- relying on intimidation and threats to shake you down to pay. They will never offer any real option and depending who you talk to you will get different stories. The one time my dad spoke with them they did offer to refinance the loans for him if he gave them personal information and filled an application over the phone, when he asked them to mail or email for the application for review they would not and said that 's not the way this process works. That sent up a red flag to my dad because most institutions would not hesitate to provide you an application if you wanted to pay them back. XXXX said this place gives him a very creepy feel. After this my dad spoke with a XXXX lady called XXXX and she was very XXXX. He explained to her that he was attempting to resolve this matter and try and help my daughter but some things did not add up. The first thing he did was to bring the loan up to date and pay off a loan that had the highest interest rate. There was discussion about options. The options presented was to have a shorter loan payoff time, but the payment would be the same. I said this option would not work and the other option was to re amortize the remaining XXXX loans. I asked XXXX what would be the cost she said hold on let me check for you. She also said I can do that for you if they ca n't. After what seemed along time on hold she came back with we do n't know, my dad insisted you have to know this is what you do. He stated you know the amount I am willing to pay and you know the balance what is the cost. She insisted she could not tell me. I was sure she was being coached by someone. She offered up that I talk to a supervisor and she put me in contact with a gentlemen named XXXX. I thought it odd that he could come up with a number of {$320.00} monthly payment immediately. I had asked for that in writing and XXXX said I should have it shortly. At this time we are still waiting for that document. In the meantime my dad started to do some remedial math. He added up the total amount of the XXXX loans, XXXX and the payment made to them for interest by me for the first 5 years and that total was as stated above {$43000.00}. By Navient calculations they say I still owe the {$43000.00} and nothing reflects the XXXX paid the past five years. If this was paid to them the cost of the XXXX loan is {$55000.00} or {$24000.00}. That is almost double of the loan. This to me is more that wrong to charge a XXXX who barely can make ends meet. The other interesting part is the way they charge interest as soon as a student loan is taken out. They offer no payment plan for this nor do they mention this in their contract. The contract reads very vague with their definitions about payment and repayment. It says that the interim period begins on the day the loan is dispersed and the interim period ends 6 months after graduation. I find their policies deceptive. | ||||||
| 05/24/2016 | Yes |
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| The Transfer of my Consolidated Federal Loans from Navient to the Dept of Education on XXXX/XXXX/XXXX got screwed up. For some reason, Navient ADDED {$200.00} in Principal just prior to the loans being transferred. The transfer should have been for {$76000.00}, but instead it was {$76000.00}. As the attached documents show, Navient ADDED Principal to both loans just before Transfer. The outgoing transfer amounts are recorded in the payment history as follows : Unsubsidized portion {$43000.00} in Principal plus {$46.00} in interest equals {$43000.00} Subsidized portion {$32000.00} in Principal plus {$35.00} in interest equals {$32000.00} For a total principal amount of {$76000.00} and a total transfer amount ( including accrued interest ) of {$76000.00} However, the actual amount transferred is significantly higher than the actual Principal balances ( plus accrued interest ) on my Consolidated Federal Loans at the time. Documents show an outstanding principal of {$43000.00} on XXXX XXXX, XXXX for the Unsubsidized portion of the Consolidated Federal Loan and {$32000.00} in outstanding principal on XXXX XXXX, XXXX for the Subsidized portion of the Consolidated Federal Loan. For a total of {$76000.00} in Outstanding Principal on XXXX XXXX, XXXX. Therefore, the details of the transfer SHOULD HAVE BEEN : Unsubsidized portion {$43000.00} in Principal plus {$37.00} for 12 days of interest ( XXXX XXXX to XXXX XXXX ) equals {$43000.00} Subsidized portion of {$32000.00} in Principal plus {$28.00} for 5 days of interest ( XXXX XXXX to XXXX XXXX ) equals {$32000.00} For a total principal amount of {$76000.00} and a total transfer amount ( including accrued interest ) of {$76000.00} To further complicate the situation, something else funny happened. Navient records show that {$76000.00} was transferred to the Dept of Education on XXXX XXXX, XXXX ; subsequently, on XXXX XXXX, XXXX ( 3 days PRIOR, Navient certainly would n't be adding extra days of interest here too, would they? ) the Department of Education records receiving {$76000.00}. However the amounts for each of the Loans are different than Navient has recorded as being sent. Somehow, {$110.00} has been ADDED to the Principal of the Unsubsidized portion of the Consolidated Federal Loan, and {$110.00} has been SUBTRACTED from the Subsidized portion of the Consolidated Federal Loan. The amounts are as follows : The Dept of Education records show that for the Unsubsidized portion {$43000.00} was transferred from Navient and for the Subsidized portion {$32000.00} was transferred from Navient. ( See attached documents ) Not knowing that my Loan was being transferred from Navient to the Dept of Education, I made a payment to Navient in the amount of {$190.00} for XXXX XXXX, XXXX. That check DISAPPEARED. On XXXX XXXX, XXXX Navient email correspondence states that the check had been located and was sent to the Dept of Education. As of XXXX XXXX, XXXX, the check had not yet reached the Dept of Education because Navient mailed the check to the wrong address. I recall the check being deposited with the Dept of Education in late XXXX XXXX, and applied towards my student loans with the amount properly allocated between the XXXX portions of my Consolidated Federal Loan. After receiving documentation via email from Navient in XXXX XXXX, it now appears that the {$190.00} check sent in XXXX XXXX was retroactively applied ENTIRELY towards the Unsubsidized portion of the Consolidated Federal Loan as of XXXX XXXX, XXXX. This allocation is in error and must have been made at the behest of Navient because the Dept of Education staff were entirely aware that payment made towards Consolidated Federal Loans must be allocated first towards any fees, then towards accrued interest, and then towards principal on both the Unsubsidized and Subsidized portion of the loans. | ||||||
| 03/14/2016 | Yes |
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| I 've had a long 7-month battle with Navient over XXXX unconsolidated private student loans I have with them. For years, I have been on an " interest-only '' payment plan with Navient where my payments were roughly around {$650.00} dollars. I was on this payment plan due to the fact that the interest rates on my loans, ( some as high as 9.5-11.5 % ) make it nearly impossible for me to make a monthly payment on the principal. If I were to make a monthly payment on the principal I would be looking at roughly, {$1500.00} dollars a month for 20 years or so. There is no way humanely possible I could make double the payments on this to start chipping away at the debt, unless by a miracle of God himself where I won the lottery. This is negating the fact that I have other student loans and monthly expenses. I moved back into my parent 's house in XX/XX/XXXX because finding employment in my career field was extremely rough. Since then, I have made small strides and have had little improvements in terms of higher income. My XXXX Degrees were in XXXX which unfortunately does n't allow me to generate the kind of income needed to make a dent in these loans. My current base pay is a little over {$40000.00} dollars a year. After constantly battling with Navient in trying to negotiate payment arrangements that I can live with, ( i.e. ) I am turning XXXX in XX/XX/XXXX and would like to be able to move out of my parent 's house at some point in my life because they are looking to sell the house and relocate to Florida to retire ) they were unwilling to negotiate with me. As of XXXX XXXX XXXX, I decided to stop paying Navient all together and sought out legal counsel to help negotiate some sort of debt settlement or payment options. The attorney I currently have representing me is the Law Offices of XXXX XXXX XXXX. They have sent out numerous letters of demands requesting the promissory notes on my student loans. The only demand Navient has complied with is that they stopped harassing me with 10 phone calls a day. All cellular contact was ceased. However, that does n't stop them from flooding my email inbox with notifications of missed payments, etc. It has been 7 months since I have made a payment to Navient and at the beginning of this journey my credit score was somewhere in the low XXXX range and as of today it is a XXXX. The current amount owed to Navient on XXXX/XXXX/XXXX was {$77000.00} and as of XXXX/XXXX/XXXX it is now {$82000.00}. I knew once I stopped paying them this would be XXXX of the consequences I would have to deal with. Unfortunately, in my career field, one of the areas that XXXX agencies look at is credit history and credit reports. Not only has these loans hindered and crippled my ability to live independently on my own and start my life, it is has prevented me from advancing in my field of work. On XXXX XXXX, XXXX, I received a voice message from XXXX XXXX claiming to be from Navient 's " internal recovery unit. '' The number that he left for me to call him back at was XXXX. Once I got him on the phone, he informed me that as of XXXX XXXX, XXXX my XXXX unconsolidated private student loans were officially in " default, file # XXXX. '' He advised me that he was sending me out a letter with the consequences of this situation. I informed XXXX that I have in no way tried avoiding Navient and that I would like to pay back my debt and that I hired an attorney, XXXX XXXX and Associates to represent me in this matter, however Navient has refused to acknowledge him as my legal counsel and has neglected to present him with the appropriate documentation he requested. XXXX informed me that he was not aware that I had legal representation because he is in a different branch from the " customer service unit of Navient. '' I then gave him the proper contact information for him to contact my attorney | ||||||
| 08/02/2022 | Yes |
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| In XX/XX/XXXX I applied to Navient to waive the balance of my private student loans based on my XXXX XXXX XXXX XXXXXXXX. XXXX ( for the federal student loans ) has an 'income-based repayment program ' and when I informed that company of my situation, and of my current lack of any income, they immediately placed me on a XXXX ' repayment program with an annual review of my income. I am awaiting a determination of social security XXXX ( which I also applied for in XX/XX/XXXX ) and in the interim I have no income and have had no income since XX/XX/XXXX. Navient has no 'income-based repayment ' program. I paid on all the loans for twelve ( 12 ) years straight from XX/XX/XXXX without missing a payment until XX/XX/XXXX when they stopped due to the pandemic. My income never returned and then I found out in mid/end XXXX that I have brain issues involving lesions, structural abnormalities and mental cognitive/processing deficiencies. I applied to Navient for the discharge of my private loans and had to send medical records- including a direct report from my board-certified neurologist - to their guarantor, XXXX XXXXXXXX XXXX I was informed via a teleconference with a XXXX XXXXXXXX representative in XX/XX/XXXX that their recommendation to Navient would be that I am truly totally and permanently XXXX. At the end of XXXX, I received two ( 2 ) letters, each dated XX/XX/XXXX, from Navient. XXXX letter acknowledges my total and permanent XXXX and waives a portion of the loans ( {$3800.00} ) entirely. The other letter states Navient is removing interest accrued and capitalized ( which there shouldn't have been any, as I never missed a payment throughout my repayment period until the pandemic ), is setting my interest rate at '0 % ' and then instead of waiving the remaining amount, Navient assigns a random amount due of {$17000.00}. Then the letter sets forth what sounds like a joke : If I can pay {$14000.00} within 30 days of the date of the letter - namely by XX/XX/XXXX - then it will waive the remaining amount due, ( thereby apparently saving me {$2600.00} ). Needless to say, with XXXX income I can not afford to pay any amount, and I find their response to be cruel. It is as if they acknowledge the total and permanent XXXX and then say, 'we don't care ; pay anyway. ' When I called the XXXX ' number on both letters ( the same number was on both ) I was told there was nothing they could do and that 'I signed a promissory note ' ( back in XXXX with XXXX XXXX and not Navient... ) and then gave me another number to call within Navient to possibly help. That number turned out to be their 'default ' department, and of course that department had no clue, as they had no record of my loans, as the loans have never been in default. I was then given the number for a federal aid group - XXXX - and when I called them, I was told they only address federal student loans and not private loans, and I was referred to this consumer financial protection bureau. Up until this time, I was unaware of this group 's existence. I am at a loss as to what else I can do. I have followed all directions given and was amazed that Navient can find me to be totally and permanently XXXX and yet still demand payment. I have no sources of income or family members who could help. I am single and without children. Social Security has informed me a decision to award XXXX might be made by XX/XX/XXXX. Meanwhile I am living off credit cards to keep food in the fridge and keep the lights on. I need this student loan XXXX based upon my total and permanent XXXX within the next thirty ( 30 ) days, by the end of XX/XX/XXXX, as it appears that Navient will be all too happy to destroy my credit rating when they receive no further payments from me, let alone a payment for five figures! Thank you for your time and attention to this matter. | ||||||
| 12/29/2019 | Yes |
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| Its The Incredible Never-Never Loan! Lets look at this case study of my XXXX student loans that originated with Sallie Mae, which is a loan lender/servicer now known as Navient. Please see attached documentation from Navient for this account. Please note that Navient could not provide me with any of the original loan paperwork that is twenty years old because they claimed they know nothing about the original loan lender/servicer Sallie Mae. Through the course of this loan, I have been advised by Sallie Mae and Navient to consolidate my loans, and use high interest accruing unemployment forbearance instead of more economical plan options that I was not made aware of until a much later date. Ultimately, I was made aware of and advised to change plans to the Income Based Repayment plan about seven years after it was available. Although this last move did decrease the loan payment amount to something manageable without the higher cost of forbearance interest it also ( without my knowledge ) extended the length of the loan term, which will again accrue more debt. Through the advisement of Sallie Mae and Navient, and with the compliance of our Federal Government I have a lifetime of debt with ever-changing rules and regulations. This is why student loans are the incredible never-never loans because borrowers will never-never pay them off. This arrangement is a great financial benefit for the lender/loan servicer, and a great detriment to the borrower and the American taxpaying citizenry. If student loans do not have a hard end date from the loan origination date, a low fixed interest rate, and a cap on total interest for the life of the loan there is no other way to perceive this arrangement than either gross mismanagement/lack of oversight or corruption of our Federal Government to enrich the lending institutions because ultimately the result is a lifetime of financial abuse for borrowers, and generational theft of the American taxpaying citizenry. In my particular case, my loans originated in XX/XX/XXXX, and I graduated in XX/XX/XXXX. My loans should be discharged soon as it is now XX/XX/XXXX. I am at the twenty-year mark. However, because the lender and loan service provider have all the mechanisms of manipulation at their disposal my new end date according to Navient is XX/XX/XXXX, and even that date has an asterisk next to it on my account because they may move the goal post once again to cheat the game a little more in their favor to quench their never-ending thirst for a greater return on compound interest. If you had to cut a fair deal for the American taxpaying citizenry would you allow a loan like this that will essentially be with me for life ( assuming I live as long as the loan is on the books ), and cost double or triple the original loan amount? That is a 100 200 % profit to the lender/loan servicer for their professional financial advisement and service. I do not believe there is any other financial product on the market that is as costly, and causes as much financial harm to the public as student loans. I would like to request complete paperwork for my loans that originated with Sallie Mae before Sallie Mae advised a consolidation to move the loans to Navient, a complete review of the loan history including the advisement/awareness/consent process, and potential participation in any legal remedy for fraud as my end date/discharge date on these loans is now, not maybe XX/XX/XXXX, but we are not sure. It has been twenty years. Enough is enough. For any Federal Government employees that are not on the take, and are honest, well intentioned professionals that dont want fraudulent student loan debt added to your tax bill or your children or grandchildrens tax bill, I thank you in advance for looking into this, and providing legal remedy/regulation to stop the abuse. | ||||||
| 01/26/2016 | Yes |
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| Yesterday ( XXXX XXXX, XXXX ), XXXX XXXX XXXX ( Complainant ) had visited XXXX College 's XXXX XXXX XXXX XXXX XXXX to verified her Student Loan Debts held in Default status and discovered, Illinois Student Assistance Commission ( ISAC ) had transferred her Student Loan Debts to Navient Solutions , Inc. without XXXX XXXX XXXX ( Complainant ) receiving a verification letter in the mail as similarly with the ongoing issues with XXXX XXXX XXXX. This letter is the same address location of a fraudulent SSA letters sent to her in XXXX XXXX and XXXX XXXX. In addition, XXXX XXXX XXXX ( Complainant ) had noticed link to Navient Solutions , Inc. that she is being billed for some type of medical procedures in her Student Loan Debts by XXXX XXXX XXXX who is unknown to XXXX XXXX XXXX ( Complainant ) and XXXX XXXX XXXX had acquired a third party, private collection contractor [ the XXXX XXXX XXXX Navient & XXXX XXXX ] to collected a forged debt from XXXX XXXX XXXX ( Complainant ). On XXXX XXXX, XXXX, XXXX XXXX XXXX ( Complainant ) had written to the U.S. Department of Education [ third party, private collection contractor ( s ) ] in regards to acquiring an official " Security Clearance Letter '' to XXXX College in determination, intended for the exclusionary of her student loan debts held in default statuses. Even though, XXXX XXXX XXXX ( Complainant ) had paid more than XXXX months consecutive payments to the United States Department of Education from administrative offset by the Department of Treasury for collections against her federal and/or state income tax refunds and any other payments authorized by law. Why XXXX XXXX XXXX 's ( Complainant 's ) student loans are still in default, status even if, her student loans payments are voluntary paid each month from the administrative offset by the Department of Treasury? In addition, XXXX XXXX XXXX ( Complainant ) has official copies of her Student Loans promissory notes contractual agreements and official receipts of monthly administrative offset letters from the Department of Treasury for which, the last student loan disbursement dated on XXXX XXXX, XXXX, to XXXX XXXX therefore, no other financial aid was acquired until XXXX XXXX, to XXXX XXXX. XXXX XXXX XXXX ( Complainant ) had evaluated, the U.S. Department of Education [ online www. MyEDDEBT.ED.GOV ] online payment analytics that allowed, third party, private collection contractor ( s ) for contractual allowances collecting to aged accounts receivable on their behalf than she had discovered third party, private collection contractor ( s ) malfeasance in forged or fraudulent transfer of XXXX XXXX XXXX 's ( Complainant 's ) student loan debts without " Validation of Debt '' letter notification and details monthly statement inscribing current month principle balances, percentage rates applied and applicable fees notifications thus compromising her confidential information pertinent to any data collectors that triggered a breach of security data in violation of the Fair Debt Collection Practices Act ( Title 15 U.S.C. 1692 ). XXXX XXXX XXXX ( Complainant ) argues her Student Loans promissory notes contractual agreements does not includes litigation clause ( XXXX ) for mandatory binding arbitration or transfer of student loans debts to private collection contractor ( s ) outlining that XXXX XXXX XXXX 's ( Complainant 's ) student loan debts are binding contractual agreements with the XXXX XXXX XXXX Federal Direct Loan Programs ( Direct Loans ) and Illinois Student Assistance Commission ( ISAC ) for the originate contractual agreements period. The U.S. Department of Education [ third party, private collection contractor ( s ) ] had acted with malice aforethought in premeditated criminal intents resulting, in extraordinary Cruel and Unusual, excessive conspiratorial objectives to commit Identity Theft. | ||||||
| 01/30/2017 | Yes |
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| Hello there, I 'm a college graduate ( XX/XX/2016 ), wracked with approximately {$65000.00} in student slavery for opening some books and learning something. My loans are serviced by Navient, which is currently being sued by the Consumer Financial Protection Bureau ( you ). A federal website states " You never have to pay for help with your student loans. The U.S. Department of Education and our loan servicers will help you for free. '' ( XXXX ). But then this same website sends me to my own loan servicer- Navient- for my " free counseling ''. First, the idea that Navient could ever legitimately serve both my AND its own interests, is blatantly false. This is an extreme conflict of interest. Secondly, as advised by The Ombudsman Group, I gave Navient a chance to discuss these issues with me. I asked that they provide me with FULL disclosure of every repayment option. However, Navient- knowing my loans were due in just a few weeks ( XXXX ) - waited for WEEKS to respond to this time-is-of-the-essence request. I was forced to wait for those two weeks, only to have to call them back up, be put on hold, shuffled around, and forced to re-explain why " time is of the essence '' - I 'm an unemployed graduate with an {$800.00} dollar monthly payment due that I STILL did n't know how to address because they did not give me the paperwork, nor student loan counseling, which I asked for several times. At this point, the Navient representative, XXXX XXXX, said, " I 'll get right on it, '' and indeed he did send paperwork via email - but by then, I literally had ONE WORKING DAY ( because of the holidays ) to make a decision! Furthermore, the paperwork that was sent was NOT FULL DISCLOSURE at all, it was a mere copy-pasted table regarding repayment options- the exact same table on the studentaid.ed.gov website. So I called Navient AGAIN and at this time was given a time extension- which, let 's be clear about this, is not a GOOD thing, because it means that interest is still accruing and being wrapped up into the loan balance in order to make even MORE interest for Navient. This compounded interest was not even warned about when they offered the extension ; I happened to KNOW that it would happen, and THEN the Navient representative agreed that it would, in fact, happen. I am writing to you because at NO point did I ever receive fair student loan counseling from an unbiased source, and neither did Navient even attempt to make a suggestion- as they are not a counselor, they are a debt collector. Essentially, my points of contention are : 1. Although the federal website states I do not need to pay for student loan counseling, it appears that I do indeed have to pay somebody if I want my student loan counseling to assuredly be in my own best interests. Navient does n't actually help me choose THE RIGHT PLAN FOR ME- which means they are not giving me credit counseling. 2. Navient refused to give me full disclosure, in writing, of every repayment plan they have. When pressured, Navient finally did send a " disclosure '', but it was merely a generic, copy-pasted table from the federal student website. Even this took them two weeks just to email. Therefore, I would be grateful to receive reply to this dispute with the phone number of the organization which I can call to receive unbiased, sans conflict of interest, free student loan counseling for my federal student loans which become due ( again ) on XX/XX/XXXX. Thank you very kindly for listening and for being here for the typical college graduate sold into Student Slavery in America. Sincerely, XXXX XXXX XXXX of XXXX, Indiana P.S. Attached to this complaint, XXXX documents from Navient 's email, " disclosing '' the repayment options ( it 's not REALLY a disclosure ). The documents are locked ; the XXXX passwords are : XXXX! and XXXX!. | ||||||
| 02/13/2018 | Yes |
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| My complaint is towards XXXX XXXX and Navient. I have been paying on a {$16000.00} dollar student loan for 13 years, for classes from a for-profit school, XXXX XXXX University. After looking into it theres been some serious mishandling from the beginning. They have not complied with the Servicemembers Civil Relief Act. There is also missing payments. The amount I paid for years is not what they have on file. They have changed the terms of my loan without my permission. Harassing and threatening my co-signer, by making false accusations that I was not making the payments when I was. Scared her into making payments. Sending me and my co-signer statements with different balances. Those are just a few of the many issues Ive had in the past 13 years and Ive had enough. When I got out of school and couldn't find employment XXXX XXXX refused to help me in any way. I decided to join the military on XX/XX/XXXX because I wanted to serve my country and the incentive of the Service Members Civil Relief Act. It caps interest rates at 6 % on pre-existing loans and looked like the answer to get out of student loan debt quickly. I contacted XXXX XXXX on XX/XX/XXXX and provided them with proof of my XXXX XXXX service. XXXX XXXX lowered my payments but raised my interest rate soon after. But with me being a young adult with not a whole lot of experience with debt and loans, all I saw was a cheaper payment and continued with the impression everything was going the way it was required to. I also contacted them about the debt relief program, I was told my loans did not qualify. I lost all hope in ever getting it paid off in a reasonable amount of time. I'm so sick of this burden, it is a constant reminder of a bad decision I made to chase a dream that only became a nightmare. On XX/XX/XXXX my mother cosigned on a student loan through XXXX XXXX XXXX XXXX XXXX XXXX program, for the amount of {$16000.00}. We were advised by XXXX XXXX 's financial aid administrator to receive our student loans through XXXX XXXX 's program. On XX/XX/XXXX my mother received a Past Due notice. This payment was not past due. Also in my mothers past due bill under Principal Balance it says only {$16000.00} was left on the loan. On the same past due statement I received, shows the Principal Balance to be {$18000.00}. You will see from just a few of the many documents I have, that there is something seriously wrong. First attached are the faxes from XXXX XXXX acknowledging my XXXX XXXX service in the XXXX. Then the contract for {$16000.00}. Following a few billing statements showing my payment history. These show many examples of the higher payments my mother was paying, that does not coexist with Navients payment account history. One statement shows, a last payment received on XX/XX/XXXX in the amount of {$200.00}. Now when I go into the loans account history with Navient it shows only {$140.00}. This type of mishandling goes on and on. Then you will find just a few of my payment stubs to show that payments my mother made are completely missing from the account history. Ive included one of the checks made out to XXXX XXXX on XX/XX/XXXX. In the amount of {$210.00}. Navient shows nothing in that amount for the time frame. I believe for profit schools like XXXX XXXX University and student loan providers like XXXX XXXX and Navient, designed these programs to fail so they could make huge profits. Now that I have a service connected XXXX through the military and live on a very tight budget. I've paid XXXX XXXX and Navient almost three times the costs for an unaccredited education from a school designed to make a profit off the youth of our country. I held my part of the contract and they did not. I think its only right to receive a full refund, plus interest, for all the pain me and my family has had to put up with for numerous years. | ||||||
| 02/15/2017 | Yes |
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| Arrangements were made for a re-payment program Navient offered with CSR, XXXX. The payment program was for 15 months at 1.5 % with a payment of XXXX, XXXX, advised that offer was approved by supervisor on staff. Followed through with setting up re-occurring payments at {$200.00} per month. Verbally acknowledged they terms and conditions. The next day I received a call, from XXXX, stating that program offered is not available for my account, because a Sr. supervisor reviewed the account and since the account has a co-signer on it and they pulled her credit report along with speaking to her in XX/XX/XXXX, that all information states she is able to afford regular payments. I was never informed or even told that this offer was going to have to go through additional approval levels. I was told when speaking to XXXX that this was a approved re-payment program. At this time I informed XXXX ( Navient Rep ) that the co-signer is XXXX, XXXX and is not able to afford the over {$300.00} payment that would be the regular payment. At this time XXXX informed me he can have a 3 % repayment loan program approved. I advised I am not able to make those payments and that already in need of her help for the original offer of {$200.00} payment that was previously approved. I requested a call back from the Sr. supervisor that declined the previously approved repayment plan. Days later, I received a call from XXXX XXXX, the Sr. supervisor with Navient that declined the original 1.5 % 15 month repayment program at {$200.00} per month. I again, informed him of my financial situation and my co-signers financial discord. XXXX did advise that if we would submit 3 months of the co-signer banking statements, they would review and make a decision. I stated I was not comfortable submitting her personal records like so. At that time he stated he would not reconsider the original offered repayment program. This situation has been ongoing since XX/XX/XXXX, today is XX/XX/XXXX. Navient has already taken the first payment of the 1.5 %, 15 months at {$200.00} program that was originally agreed to. Today, XX/XX/XXXX received call from Navient 's rep XXXX, inquiring if I was going to continue the payment of {$200.00} for the next 15 months or if I was going to be able to pay the additional {$20.00}, making the payment at {$220.00} per month, I advised him I can not afford any additional monies and it would have to be the {$200.00}. XXXX advised me it was my co-signers responsibility to " step-up ''. I reiterated the condition of the XXXX co-signer and advised I can not afford any additional monies. I attempted several time to get back to Navient just a few minutes later. When I as able to speak to someone it was with XXXX XXXX to patched me over to XXXX ( a Sr. supervisor ) I explained and wanted it on record that the co-signer was already helping me with the payment originally agreed on for {$200.00}. XXXX then again, re-iterated that if the co-signer is willing to send in her banking information, that would be the only way to review this agreement. Then stated that Navient was offering a 2.5 % program that was only {$10.00} extra. Navient has been inconstant with their offering of programs, dollar amounts, and percent 's. Just today was XXXX different statements of what they were willing to offer for re-payment programs. I am willing to pay back this loan, however my financial hardship as well as having to deal with a XXXX co-signer whom is also experiencing financial hardship does not allow for a payment of more than the originally agreed {$200.00} per month. The fact that every rep with Navient that I have dealt with has given different information and the supervisors I have spoken to both XXXX XXXX and XXXX have been insistent that they can not alter the original agreement, yet they are altering it with every call. | ||||||
| 01/26/2022 | Yes |
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| Ive spent years trying to work things out with Navient concerning a school XXXX University that I didnt granduate from during the XXXX to XXXX recession. I received my first loan from Navient when I was coming out of highschool and attending my first college. I had never signed my name to A loan before had No finical education and my grandmother co-signed for me as it would have been impossible for me to take out a private loan the school encouraged us to to take out because I had no job until my 20s. Not only did my entire family not understand that I wouldnt be able to graduate because XXXX decided to take away my loan funding in XXXX of my senior year but also were never informed by the school how these loans were disbursed.. Navient has harassed me for payments since XXXX offering programs only when you reach the point of the loans destroying your credit. Currently I transitioned to a new job and informed them of this .. instead of helping they insist I pay what Ive informed them I could not because I legit didnt have it .. how I was able to make payments before was working from XXXX XXXX to XXXX XXXX at night 7 days a week .. and because I do not want to die from illness I thankfully got another jobs I will include that I was the first to go to college so no one in my family understood the aspect of the baring of these loans .. and me well I had no understanding of how it would destroy my life, make me physically sick at times and cause mental stress. If you review my loans youll see I was only offered programmed when in delinquency and as stated today they are not considering my current debt when asking me to repay these loans. Im paying on loans for a college I didnt graduate from during the recession and given a loan when I had no financial history not even a job prior to getting the student loan and now that Im older and I dont have the income to afford what they are requesting they are refusing to work with me and forcing me in to a situation causing more harm and debt. Again for a school I never graduated from sue to the XXXX XXXX crises and a loan being pulled back in my senior year .. the reason my income has suffered is because it took me years to graduate and years to gain a job that I could afford to pay .. they offer private student loan customers no help and they refuse to accept the truth about the loans but like everything else the truth also comes to life.. I will include that they XXXX discrimate against XXXX XXXX who many of us suffer mostly from financial private loans because of the wage gap not created by us but the system that continue to keep us in debt unable to pay bills currently my debt has increased to the point that in 2 months I have to move out of my now apartment which I informed them but as usual they dont care they just allow it to get worse.. I personally wouldnt mind the situation being handled in maybe the courts so that I could give documents pertaining to my loans and my familys financial status at the time they were given out .. telling me well you took out the loans makes no sense when I had no credit history or understanding nor did I think I wouldnt graduate from XXXX at the time to make enough to pay them back. They are basically deciding that I should be XXXX or pay them and they know very well that they destroy credit history which allows you to obtain in fact a home to live in .. they have destroyed my credit for many years even while I was sick getting XXXX.. I had no financial understanding of private student loan then and my co-signer whose credit they used to give me the loan has passed away years ago and if you check even my co-signer at the loans income at the time and the amount of the loans co-signed on by her from XXXX and Navient I assure you .. the proof will show she didnt make enough to ever afford paying them back | ||||||
| 02/19/2023 | Yes |
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| The companies I'm filing a complaint about are XXXX XXXX XXXX and Navient formerly known as Sallie Mae. Regarding the claims stated by Navient, the tactics used to secure the loans were fraudulent. At the time of signing, Navient was not the original loan holder, and the representatives from XXXX XXXX XXXX never explained the documents that were being signed, nor was it ever disclosed that the documents were for private loans through Sallie Mae. Although the documents show both signatures of the co-signer ( parent ) and myself, there's still neglect that the representatives failed to reveal that the documents were for private loans. In terms of repayment, the co-signer and I believed the payments were being applied toward federal loans secured by the Department of Education. Only within the last two to three years was it revealed that the loans held by Navient were private. When this information was revealed, it was due to the lawsuits by students. The payments were made because the co-signer and myself could not afford to have negative remarks on our credit reports which is why we continued to make payments. When contacting Navient for financial assistance, I was offered a program that would lower my monthly payment. Until recently, it has been brought to my attention that I'm no longer eligible for any program to lower payment. When looking at the finical records, it shows that with the last payments made, nothing went to the principal. From XXXX - XXXX there was a point where the loans were in default due to unemployment. When Navient reached out for payment, scare tactics were used to secure payments. These tactics are unprofessional and deemed to scare students into paying when students have no income to pay. Lastly, I still stand that the money received never touched my hand, nor did a direct deposit hit my bank account. In the case of Villalba vXXXX Navient, as stated, the loans held by Navient should be canceled, whether private or federal, as several fraudulent tactics were used to secure loans that solely went to XXXX XXXX XXXX for financial gain. Nor do I believe that the bases of going into default should be a requirement of having loans canceled. Maintaining a positive credit report has been a requirement in life. Lastly, the hardship that'll I'll have to continue to endure, along w/ retirement approaching and my mother being on a fixed income, will result in disaster. However, I believe I should not be held liable for loans taken out by misleading the borrowers, and the loan agreement terms are robbery. Based on this ongoing litigation, I believe, like many other former students, I should not be held liable for loans as the terms were misleading and misguided into signing documents that were never appropriately disclosed for their true intent. Finally, I'm paying for XXXX XXXX XXXX ' negligence which I should not be held liable for as XXXX XXXX knew and made a considerable profit receiving loans from the Department of Education and other private financial entities for financial gain. Leaving myself and many other students with college credit hours and degrees that hold no value and are not recognized by accredited higher learning institutions. Leaving myself to seek and obtain a degree from an accredited university. From this, I've been put into more debt, having to seek a college degree from an accredited university. I'm asking for the Attorney General 's help and assistance to combat the claims that Navient is in the right. Navient was never the original loan holder, so my loans were bought and sold to Navient with outrageous terms. Although Navient holds the loans from XXXX XXXX XXXX, the Department of Education has recognized in a court of law that student claims are valid and should serve the same outcome for private loans. should be canceled. | ||||||
| 03/12/2016 | Yes |
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| XXXX XXXX XXXX NC XXXX - XXXX AS in XXXX It started w/ conversations about a job placement percentage rate of something in the XXXX & XXXX jobs w/ much more than I was making XXXX & that going to XXXX would allow me to provide for my children & show them they could do anything because their mother did. They told me repeatedly that they would work w/ my working schedule & that they knew I had children to care for. Lies. Most of my classes let out at least an hour early almost every week. In the next to last quarter of my XXXX I took my XXXX XXXX class. The instructor was horrible & bragged about failing most of his students. I was XXXX of them. I tried to find a way to have my grade reviewed because I knew I should have passed the class but was told it was the teachers discretion who passed & failed. I " needed '' my degree so the school told me I could take that class in addition to my final XXXX ( which included the XXXX XXXX ) class but that I would need to take out a private loan or I could n't graduate on time. Every time we did loan paperwork the financial person would go through the website & show me everywhere I needed to sign, & very quickly. Trying to get answers was a useless endeavor. I took the XXXX classes that quarter & passed my XXXX XXXX re-take w/ flying colors ( different instructor ) & my XXXX XXXX class w/ XXXX ( horrible instructor ). Many times the retake class instructor asked me what I was doing in his class because I had all the answers & scored well on my tests. I graduated in XXXX w/ my XXXX & XXXX jobs. XXXX was an XXXX opportunity that I was no where near skilled for. The manager that hired me there said I was a test to see if they wanted to hire from XXXX XXXX. The other was a XXXX. There I was told I was hired because of my customer service experience XXXX & not because of my education. I started getting loan collection calls pretty soon after I graduated where I had to inform them I was told I would not have to start repayment until at least 6 mo after graduating they acted surprised & hung up. 6 months from graduating, after telemarketing calls from the school nagging about coming back, that I would start having to pay my student loans I went back for my XXXX. I had XXXX full time jobs, had left XXXX relationship was now the sole provider for my XXXX young children. Scheduling options for classes was the most important thing for me. They said they would work w/ me. They scheduled me for classes on days I could not attend &, after avoiding me repeatedly, told me there were n't other classes I could take on other nights. Through conversations w/ other students in my program I learned of other classes other nights that I could have been in ... I started classes & was forced to drop because I had to work. Not too much after I started my XXXX they decided they were changing the program to XXXX w/ higher credit hours. The classes would be from XXXX to XXXX ( every night? ). If we had to drop a class we were told we would have to enroll in the 'new ' program. I quit XXXX job trying to meet the schools inflexible class schedule & eventually droped out. I ran in to a new student XXXX day while smoking on break from class. I knew him from when I was homeless ( he was too ). I ran in to him a few years later & learned that he did n't go to the school for very long. They had sent recruiters to the local mens homeless shelter & promised jobs w/ high pay. I have a friend who used her XXXX XXXX & is still stuck in a low end job. They promised convicts professional jobs. I was told my credits would transfer. When I tried I was all but laughed at by non profit and profit alike They lied to me. Promises of salary & schedule flexibility, that they were " geared towards working families ''. Feed the children or pay loans? This was the worst mistake of my life | ||||||
| 04/25/2018 | Yes |
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| I graduated from XXXX University in XX/XX/XXXX. At that time my private student loans were owned and serviced by Sallie Mae. Six months after my graduation, Sallie Mae demanded a $ 700+ per month payment for principal and interest on my 4 student loans or $ 350+ per month to pay interest only with none of it applied to the growing principal due to the high interest. I graduated summa cum laude in XX/XX/XXXX during the recession, was searching for employment for 6 months, and finally found work making around {$20000.00} per year. I could not repay the loans on their terms and they did not offer me any income-based repayment options. I ultimately defaulted on all 4 private student loans. I also defaulted on 5 federal student loans. Sallie Mae then sold my loans to Navient and they had multiple collection agencies harass me for many years, including yelling at me on the phone, and calling me, my mother, my employers, and other family members several times a day, to collect on the account. They threatened my mother, who cosigned 2 of my loans with no collateral, and who has been on XXXX and can not afford her own bills. I finally reached an agreement in XX/XX/XXXX with XXXX XXXX ( Navient 's current loan payment collector ) that I would pay an income-based repayment amount of {$250.00} per month for at least 1 year so that I could get my credit score up and attempt to settle the debt at a reduced amount by getting a private loan. This conversation with XXXX was recorded by XXXX XXXX on XX/XX/XXXX. After scraping together the money for the first payment which I was told I had to make in XX/XX/XXXX or the monthly payment might go up, I then called XXXX back on XX/XX/XXXX, paid the first {$250.00} and set up an automatic payment for the next 11 months directly from my checking account. After making timely payments in XX/XX/XXXX and XX/XX/XXXX, Navient ( after charging off my loans, yet still owning and collecting on them ), is still reporting me as delinquent on all of my loans to all 3 credit reporting agencies. I followed up with XXXX XXXX on XX/XX/XXXX, as they had told me this repayment plan would be a way to help my credit and get me out of default, and this did not appear to be the case. I was transferred to a manager who told me a completely different story than XXXX, that Navient will continue to report me as delinquent and in default until I pay off the {$130000.00} in loans or pay off a settlement amount of around {$35000.00}. At {$250.00} per month it would take me nearly 45 years to pay off the full balance, making me XXXX years old at payoff. I do not own a house as I can not get a mortgage with my debt and bad credit, I do not own anything except a car that is underwater in debt because of my credit score and I have no family to turn to. I talked to a private loan lender and they indicated that as long as Navient keeps reporting these defaults, I won't be able to get a loan to pay off the settlement amount. The only other option I have is to pay Navient over {$800.00} per month on the settlement amount until the {$35000.00} plus interest is paid off. If I sign up for a monthly debt that high and my credit remains where it is, I can not guarantee that I will be able to apply for an apartment or refinance my high-interest vehicle. Navient does not allow you to speak with them directly and will only send you to XXXX XXXX, who lied to me about the repayment plan I set up. I need help as I have put all of my federal student loans in rehab and am trying to fix my credit. I do not want to go bankrupt and I am not trying to duck out of my private loans, I just believe that Navient should legally be reporting the payments to the credit bureaus and listing the loans as no longer in default based on the agreement I entered into with XXXX XXXX, Navient 's exclusive loan servicer. | ||||||
| 08/18/2015 | Yes |
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| When choosing a school to go to, I was n't sure about attending a private XXXX. The school, back then, was n't as outrageous as it is now, but it was still steep in price. However, when speaking with financial aid, I was referred to none other than XXXX. Huge Misake! There is not enough education on loans, especially student loans and higher education given, especially to those first generation college students. My parents, thought they were experiencing and opportunity of a lifetime and giving me something they never could have. It was taught how valuable an education and degree are and how we would be better off than our parents upon graduating and getting a job we otherwise could not without that piece of paper. Anyways, with a narrow mind and all the " education '' I had with getting the degree I wanted, which by the way, was also told by my XXXX guidance counselor that a XXXX university was my bets bet because my grades and SAT scores were average ( um, no you can get into a state college just fine and pushing a XXXX-year college or university is wrong just because I knew what I wanted to do does not mean you can not express the interest in XXXX then a state school or cheaper options ) I ended my life with my own XXXX XXXX. The minute I signed because the university, like many mortgage companies of the late XX/XX/XXXX and early XX/XX/XXXX, they gave away money to fill a seat, my life was over. Looking back on it, as easy as it was to obtain a mortgage at XXXX times your income, you were allowed to sign a loan at a XXXX times that and no one would bat an eye, just congratulate you on making your best life decision to date. Fast Forward, I am in school six years before graduating, eventually transferring to a state college and then going back because it was easier on my life and my transcript ; my brother drops out of college during his XXXX and my younger sister, who would at the time of my graduating enter college, decided not to attend, they were the best decision makers in the family. Now, I am in default because I am working a job more menial than my brother ( the XXXX ) and my sister ( the XXXX ) making less than them and suffering in every aspect of my life except for love, which can not be appreciated because of the XXXX and all-consuming loan that weighs heavy on my additional XXXX pounds since realizing my {$80000.00} loan turned into {$130000.00}. Nauseating me every day, shoving food down to fill the void that it is to have a fuller life than working for nothing ; the opposite of the picture painted for myself as well as others promised the holy land, living more of a XXXX than anything else. Now, XXXX XXXX calls anyone I have ever been in contact with ( how, I have no idea ) and my entire family, including brother, know that I am drowning in that paper that was supposed to redeem me. Almost XXXX and all I can say is my family asks more about my financial situation than my day. Unlike the great mortgage scam that took place a generation before us, we have no way of walking away, it seems I would be more content with them taking my degree ( like they did homes ) than calling my entire address book and calling me more than XXXX a day because I am currently sitting across from a young lady attending XXXX who earlier, when I asked if she was going for her XXXX or XXXX said why, I am in school and have the same job as you .... Sometimes it seems easier to just die than deal with the burden of something that seemed so bright and full of opportunity now has a shadow of ever having any chance of owning a home, car or anything else. I leave my student loans to the first person to XXXX me off by the way, just kidding I would n't wish this on my worst enemy, especially since there appears to be no way out of this without a XXXX year sentence of my income. | ||||||
| 03/17/2017 | Yes |
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| XXXX : consolidated my student loans with Sallie Mae ( SM ), as a private loan. XXXX, the Public Service Loan Forgiveness ( PSLF ) program was signed into law. I learned more about this program in XXXX. Because I am a XXXX ( XXXX ) in my county, I called SM in XXXX or XXXX XXXX. I told them of my job, and asked the SM customer service representative if I qualified for PSLF on my then-private loans since I am a XXXX. The SM customer service representative told me that I was eligible for this. At no time did she ever tell me that I had to switch to the Federal Direct Loans ( FDL ) in order to be eligible for PSLF. So, I kept on making payments each month. XXXX XXXX, I was planning on going on vacation, and wanted to see if I was ahead with payments. If so, I would skip a payment and then use that for vacation. When I called SM to find out, the customer service representative told me that I was NOT eligible for PSLF program, and that was when I was told that I would have to switch to the FDL. I was furious!!! So for over a year, I debated in my mind how to handle this. I contacted SM, telling them what happened, and that they should do something to rectify this matter. I even stopped at the SM offices in XXXX, DE to drop off a letter, explaining all of this. XXXX ended up having one of the employees call me and essentially tell me there was nothing that can be done to help me. I did switch to FDL in XXXX, and started making payment in XXXX XXXX, to XXXX, ironically enough. In the meantime, I wrote my two US senators and my US Representative, telling them about how SM told me in XXXX that I was eligible for PSLF with the private loans I had ; only to turn around and tell me about three years later that I was NOT eligible for PSLF and that I had to switch to FDL. Neither senator nor my congressman would help me. In my complaint, all I was asking was that since SM lied to me in XXXX, that for the payments I made from XXXX XXXX until XXXX XXXX XXXX the last payment made on my private loans ), which was 79 payments, that I wanted the Department of Education ( DOE ) and SM to take these 79 payments, and retroactively apply these payments to the 120 payments that I have to make, so that come XXXX XXXX, if I am still employed as a XXXX and make the remaining 41 payments ( XXXX ), I could get the remainder of my loans forgiven. This way, come XXXX XXXX, when I would make my 120th payment, I would have a zero balance. Of course, no one would help me. When my claim was being investigated, SM and DOE claimed that there was no record of me ever calling SM in XXXX, inquiring about my eligibility for PSLF with private SM loans. I can not prove this, but what I suspect is, that if there was a note from the customer service representative in their database, reflecting that I called and what was discussed, and if it indicated that the representative told me that I was eligible for PSLF with private loans, then SM would be responsible ; and I suspect that the note was deleted. This way, if SM were to be investigated and that note from XXXX is not in there, then SM can say that I never called, and that I 'm making this whole story up. Since none of the three elected officials would help me, this leads me to believe that SM made campaign contributions to them, in exchange that if any constituents complained to them about SM, then these officials would not take action against SM, given the campaign donations. I suspect a " quid pro quo/pay for play ''. So, I am asking that CFPB, as part of the lawsuit against SM, try to get SM/XXXX and the DOE to take my 79 payments I mentioned, and retroactively apply them to my current payments, so I get loan forgiveness in XXXX XXXX. Obviously, SM XXXX has done things, hence CFPB 's lawsuit against them. This story can be added to the case against SM XXXX. | ||||||
| 05/09/2016 | Yes |
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| Last year, in the latter part of XXXX I became extremely XXXX and because of my illness I was not able to work and I was out on XXXX and i was n't getting a pay check. When I recovered I contacted Navient the customer service to speak with them regarding payment options. The representative advised me that there is an adverse notation that was sent to the credit bureaus however, what she was going to do was back date my foreberance to cover the late payments so that I would be in good standing with Navient. According to customer service my Foreberance was to start XXXX XXXX XXXX to XXXX XXXX XXXX. which would cover the time of the missing payments. The representative also advised that she will send a notation to the credit bureau stating that I was current and up to date so that they can remove the adverse remark on my credit report. I was more than satisfied with my customer service experience with the representative but then it took a turn for the worst. A month later I checked my report and I noticed that. Information was sent to the credit bureaus regarding me not being behind in my payments as promised but, the negative notation was still reflecting on my report. I called customer service and explained to them about the conversation that I had with the representative and I was told that I should write a letter with my supporting documents and I will receive information with in ten business days. I did exactly as instructed and fax over the documentation still no response. I call back and I was advised that I needed to wait thirty days and the representative advise me that according to the documentation I submitted that it should be enough to substantiate my request. I sent a good faith request and supporting documents. i also advised Navient in the letter I am in the process of purchasing an apartment. I waited. I then received a denial of my request letter. I was disappointed because I know what I was told and i was assured that this would be taken care of and it was n't. So after i received my response. I reached out to customer service to request to have documentation on the start and the end date of my foreberance which covered the period of XXXX XXXX XXXX to XXXX XXXX XXXX. the representative at that time said no problem she would put in a request to have that letter sent to me but it would take 30 days. I said fine I waited for the forberance notice to come in the mail. When it does come the notice states that no foreberance would granted at this time, which was wrong because 1, I did n't request a forberance I have been making payments since my forberance ended in XXXX and 2, My request was to receive the documentation from Navient stating the time period of the forbearance that was granted to me from XXXX XXXX XXXX to XXXX XXXX. So then very frustrated at this point. I called again and spoke to a representative who advised me that they would send me the documentation that requested once again. I explained to them the importance of me receiving this information and I do not trust that that they will handle my request in a timely fashion and time is going. I believe they are giving me the run around and this affecting me. I am asking if you can assist me in having Navient follow up on what they say they were going to do. I would like Navient to honor my request that I sent in the mail along with a good will letter that i wrote that was promised to me by a representative, to have to adverse notation removed on my credit report to all XXXX major reporting agency, however that is not the only request. I am requesting to have the information regarding my foreberance from XXXX XXXX XXXX to XXXX XXXX XXXX to be sent to me immediately by mail and by email. I would also like a Manager who is able to make decisions regarding my account to call me to resolve this matter. | ||||||
| 12/01/2016 | Yes |
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Web | Older American |
| My daughter had a serious XXXX dependency problem, and in order to finance it, she used the XXXX XXXX Tracker on my computer to learn my pass word, and obtain all of my financial information. She then applied for XXXX separate student loans, XXXX through XXXX XXXX, with XXXX XXXX as the lender and another a week later, through XXXX XXXX. showing herself as a borrower, as well as myself as a co-maker without my knowledge or consent. At the time, she was the recipient of a full scholarship at the University XXXX XXXX XXXX, which covered everything but miniminal expenses. Between the XXXX loans, they totaled over {$24000.00} in principal. I learned about them in XXXX, 2009, when they went into default, and a demand was made upon me to begin making payments, plus catch up on the arrears. Before learning for these identity theft student loans, we had previously discovered her XXXX problem, and her many thefts around our home, including thefts of jewelry, cash, antiques, as well as using my credit cards and accounts to send her friends money, and forced her to leave the house. Originally, we did not understand how she accomplished getting these XXXX large loans in my name, as I had previously agreed to help her get a small loan to cover books and gas, even though she was also working part time and living at home, so our intitial information of how these loans were obtained, or if XXXX was in fact my obligation, was incorrect. the dollar about, and mistakenly thought perhaps XXXX was for small {$2000.00} loan application I had completed, but I was obviously incorrect. When XXXX XXXX was informed of this identity theft, and provided copies of the Criminal Complaint filed with the XXXX XXXX Police, it chose to ignore it, and continued making collection efforts against me since XXXX, 2009. yet have never filed any collection suit against me, despite being what attorneys considered as " collectable ''. I have always stated this was not my obligation, returning each collection letter to XXXX XXXX 's collection agencies, with an explaination of why it was not my obligation. the claim woud be returned by them to XXXX XXXX, and XXXX XXXX would then send it out to another agency, and the process would be started over again. Despite XXXX XXXX, now Navient claiming over {$20000.00} against me, I have never receive a collection letter from an attorney, as it is obvious that this loan was not my act or deed. In my opinion, Navient, who now holds this loan, and XXXX XXXX have no mechanism to cancel Identity Theft loans. Their attitude is very simple, refuse to cancel the loan, and inflict maximim credit damage upon the person they are attempting to coerce money from, with the result being the debt will be paid in whole or part. I recentely called Navient 's Fraud department, and despite providing the complete package attached to this complaint to both XXXX XXXX, and Navient, all the Fraud Department Agents could say over and over again was " You have no proof '', an inane mantra each is aptaught to repeat to all seeking relief from identity theft by their own child, or third parties. I spoke to a " Supervisor '' at Navient 's Fraud department, who refused to give me his name, other than " XXXX '', no last name, and refused to provide me with his supervisors name, or phone number. This means Navient 's " Fraud Department '' is nothing but a means to provide pretend solutions, ending up with the inane statement : " You have no Proof ''! I would sincerely ask this Agency to investigate Navient 's alleged " Fraud Department '' and determine exactly how many parents and relatives who were victims of identity theft actually received any relief or assistance from Navient. It is all about coercing payment from defrauded individuals by Navient, nothing more. Please see attached doumentation. | ||||||
| 02/14/2017 | Yes |
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| My issue is relatively simple. However, getting it fixed has been a matter of bouncing back and forth between my school and my lender for YEARS. Back in XX/XX/XXXX, it shows on my credit report that I have late payments regarding my THEN XXXX student loan. The problem is, I was still a student and should have been under deferment but here is what happened. Due to some accouningt errors at XXXX University, XXXX showed that I had a balance of more than {$5000.00} that had to be paid back to them in order to get back in school. The whole ordeal lasted 1 year. For the first 3 months, NO ONE knew WHY I owed the balance. I had moved out of state which complicated getting things fixed. I kept getting promises for call backs that never happened. Eventually, XXXX ( spelling may be off ) at XXXX University began helping me with my situation. However, he too kept asking me to give him time to review the situation, something that took an additional several months. He would ask for a few weeks to look over things and when I would followup, he would tell me " Ohhhh .... I have a meeting about this next week, give me a few more weeks to review this ... '' and that went on for a several months so at this point we are at about 6-7 months of me being out of school. Now, when you first get a student loan, you have a 6 month grace period before your loans begin needing to be repaid. Here is where things get interesting. When I originally signed up for classes at XXXX, I provided them ( XXXX ) contact information for me such as my personal email address and phone number. That was back in XX/XX/XXXX. The school offered it 's own email address to students but the username and passwording format was always very difficult for me to remember so from DAY ONE that it was given to me, I could never remember the actual email address OR how to access it and never cared to because if we ever needed to use email, we would contact our professors directly using our own personal emails. ( that is important for a reason coming up ). So during this extended time of me NOT being in school, my 6 month grace period ( unbeknown to me ) had expired. Sometime in XX/XX/XXXX, while my mother was XXXX, I had to take off on a 3 month medical leave of absence and when I came back, I had to redo my financial aid paperwork. This time, the FAO at my school was the one to fill out my XXXX paperwork. NOT ME! And when she did ( her name is XXXX btw ) she gave them my school email. ( Through my own investigation, I found this out much later ) So during this 6 month period where they were stalling and keeping me out of school, they were also reporting to XXXX that I was not enrolled as a student. The truth is they barred me. Around this time either XXXX or XXXX etc, was offering a free 1 month membership to students but you had to use your schools XXXX email to register so, I contact IT to get help accessing my email account to do this and noticed that I had been getting email after Email from XXXX telling me they were trying to contact me about a loan. By this time it had been 8 or 9 months of me being out of school. So, they had been trying to contact me about my student loan after my grace period and NOW I was showing as having been Late on payments that would have started after that 6 months. I called them ( XXXX ) to find out how they had gotten that email and asked them how they were contacting me. They specifically admitted they did n't make any calls but contacted me through email only. This may be because they were transitioning from XXXX to the Dept of Education and now Navient around the time. I do n't know. But I have XXXX negative reports to my credit agencies showing I have Late payments for XX/XX/XXXX. Neither company can help me. I disputed with Credit agencies several times with no luck! PLEASE HELP. | ||||||
| 05/24/2016 | Yes |
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Web | Servicemember |
| On or about XXXX, I applied for a student loan through The XXXX XXXX University, with XXXX XXXX ; now known as Navient. During that period the loan was dispersed to the college and applied to my fees. Into the second term, I dismissed myself from the University, due to a death in my family and a divorce. At that time XXXX things took place, in reference to my financial aid, at The Ohio XXXX University ; another loan was dispersed from XXXX XXXX and I had started an allotment, which was for {$140.00} a month that began my repayment, on my own. I was not aware of the second disbursement to The XXXX XXXX University, until 2 years later, I received a canceled check and XXXX XXXX, had collectors calling me and threatening to file an action suit on me, for non-payment. After contacting The Ohio XXXX University, on repeated occasions and denial that they had ever received my second loan/ had knowledge of it. I was forced to prove they had it, which was when, they finally, acknowledged that they had the second loan disbursement and had actually, began using it, on the grounds that I had failed to register. At that point, The Ohio XXXX University, stopped communicating with me, the borrower and made all their transactions and agreements, directly with XXXX XXXX and Navient. I was completely closed out of my own transaction, denied any documentation, as to when they received the loan disbursement, how long they had it, any communication between them and XXXX XXXX. Likewise, the lending Institution performed the same procedure, staying tight lip on the, go between, hidden transaction. all, I received from The Ohio XXXX University was conformation, that the transaction was complete. My previous and present request/ demands, as per the Loan Disclosure Laws, as related to XXXX XXXX and other applicable Laws. I made XXXX XXXX request from XXXX institutions to provide me full self-disclosure of my records starting in XXXX to date. In addition, I I requested that The Ohio XXXX University provide to me, as to why they held onto my loan, and denied it was in their possession, forcing me to prove they held it illegally for two years. Then, I requested from the lending institution provide me with why they were not aware of the loan how they applied it to rid the interest that built up yearly and why they kept stopping my loan payments, after I made numerous calls to not stop my payments and numerous letters, that are not on file. After I started my loan payments back again in XXXX, I find out that shortly after, they stopped them again and the interest has built up, to over {$2000.00} dollars, as a result of their negligence and The Ohio XXXX University, working in secret to give the impression of so-called " opportunity loans. ''. My latest letter, dated XXXX XXXX XXXX is requesting that as a result of Navient shear negligence in stopping my loans payments, that they do the following : 1. Give me credit for payments of each month, in which they ignored my request and stopped my payments that ranged from $ XXXX {$150.00} per month 2. Exclude all interest from when I started my payments, voluntarily, up to when the loan payment starts back up 3. Provide me full disclosure of all transactions of my financial records and correspondences, with the Ohio XXXX University and myself, written and verbal. All the financial institution done was stat sending how much my loan is and that no payments are being made. A worker told me, that if I paid my loan off early, that I would be hurting the company and as a result, they would fine me a service free for early payment. I have provided documentation that supports my claims of payments, but the institution does not have everything listed transaction wise, leaving room that something shady is going on. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 08/12/2015 | Yes |
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| XX/XX/XXXX, I was in a car accident that caused a severe brain injury. Due to this, I have been unable to work. This past year, I have remained in contact with Navient to pay to keep my loans in forbearance. In XX/XX/XXXX, my loans went past due and after several hours and several phone calls, not to mention the numerous times I was disconnected and had to start all over, I was finally able to talk to a representative who explained that XXXX of the loans had no forbearance time left. So she assisted me in getting those into a repayment plan that I have already made XXXX payments on. The other XXXX loans I thought were in forbearance until XX/XX/XXXX, but I learned that after my XX/XX/XXXX payments went past due, the forbearance had expired in XX/XX/XXXX and that is why my XX/XX/XXXX payments were past due. They explained that I would have to pay {$150.00} to bring the past due amounts current, and then if I called back in before XXXX XXXX, 2015, I could pay another {$150.00} to put my loans into forbearance until XX/XX/XXXX. So on XX/XX/XXXX, I paid {$150.00} to bring the loans current. And then on XX/XX/XXXX, I payed another {$150.00} to put them into forbearance until XX/XX/XXXX. This is where the problem lies. On XX/XX/XXXX, I called in to pay the the {$150.00}, and spoke to XXXX at ext. XXXX. She took the {$150.00} payment and stated that that amount would put the loans into forbearance until XX/XX/XXXX After she took the payment, I agreed to the prerecorded forbearance agreement. XXXX came back on the line and said everything was all set. She hung up. About 2 minutes later I received a voicemail from XXXX XXXX asking that I call XXXX back because there was an error in the recording. So I immediately called back and XXXX stated she had made a mistake and that we had to rerecord the forbearance agreement. So I agreed to it a second time and XXXX came back on the line, stated the Forbearance was submitted and if I had any problems, to call her or XXXX. I had not received or heard anything until XX/XX/XXXX, where I started receiving collection calls. When I called the number ( XXXX ) XXXX and asked for XXXX, they said she was busy and would not transfer me to her. So I was transferred to XXXX XXXX, a supervisor at ext XXXX, and he stated that the computer notes read that I had called back in on XX/XX/XXXX and cancelled the forbearance. I told him that was not true. He basically said it was my word against theirs. So I told him to listen to the recording, which he said he would do and get back to me. He continued to tell me my loans were past due and if the forbearance went through, it was only good until XX/XX/XXXX, not XX/XX/XXXX. I asked him several times to talk with XXXX and he stated she was busy. I asked if she was there and he said she sat XXXX desks away from him. I asked him again to talk to her because she gave me her information. He said he would listen to the recording and get back with me. They treated me as if I was lying, and would not take a moment to ask XXXX. When I told them XXXX XXXX also gave me her name, they stated she was no longer in the department. The biggest concern I have with this is that I DID NOT call back in to cancel. The last call I made was on XX/XX/XXXX, after XXXX XXXX asked me to call back and re agree to the forbearance prerecorded request because there had been an error on the first one. And, when I called today, they would not let me talk to the representative whose name was given to me if something like this were to happen. They are rude and treat their customers like dirt. I have never avoided them ; always kept them informed and did not EVER call in a cancel my forbearance. I have all the documentation showing where they took the money out of my account, the phone calls and the voice mail from XXXX XXXX asking me to call. | ||||||
| 12/04/2016 | Yes |
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| I am making a complaint about my student loan lender Navient. The issue stemmed from a payment I paid via Navient 's online website on XXXX/XXXX/XXXX. I paid the amount for {$350.00} for my monthly payment. When I logged on the site it informed my total payment due was {$600.00} and my current amount due and current amount due was XXXX and past due amount was {$240.00}. My payment was made for XXXX and I got a confirmation for that manual payment entry. Somehow an additional {$110.00} was taken without my approval to total the amount of {$460.00}. I called back to complain several times about was passed around to various operators and told XXXX6 weeks for my refund. I various operators this was unacceptable and I wanted this money back immediately. They were advised they took the money from account and needed to refund it for another bill. Navient was informed that stores credit your account in similar cases promptly. Navient unlawfully went into my account and took an additional {$110.00} from my account. And tried telling me it was my error their website took the additional funds from my account. I contacted my back after getting no where with Navient they issued me the refund. I called Navient back and an operator cancelled my refund since my bank did it on XXXX/XXXX/XXXX. I got a check from US Dept. of Treasury for that amount when I canceled it. Navient was called on XXXX/XXXX/XXXX, and said void and shred the check when treasury told me I can send it to them. Navient now indicated to me through another operator that they could not cancel the refund they sent out. I asked to speak to supervisors and get employees that put you hold and become rude and irate. Navient now indicates the funds that were taken shows my account is delinquent. As I informed no operator that worked on my account in the last month informed me of that. And the operator stated money that what was refunded back to them and never told which loan private or federal to pay it back to. I am stuck between various people and the company telling me different statements. I requested a letter from the company to dispute the transaction on my credit card statement. The letter was never sent to me by the Office XXXX as I requested from them. The website also informed me that my income based repayment was due on XXXX/XXXX/XXXX and when I called it stated XXXX XXXX. After speaking with customer service they indicated it was due in XXXX of XXXX. Its always different the website to person you speak to and this issue is a prime example of it. I requested a senior level person to contact me as the Office XXXX is problematic. I requested several employee 's supervisors and were denied or they tried say I handle it and they do not. My issue is not dealt with and Navient has done nothing to help me. Even requested senior level Navient leadership and sent emails and was given correspondence. Inquired from several operator 's other lenders that I can switch loan to based on problems with Navient. No help was given and for that matter as requested from Navient. I called Navient 's Corporate Office in XXXX Delaware on XXXX/XXXX/XXXX, and requested a senior person based on my problem was transferred an extension with no voicemail. After the line rand twenty times the call disconnected me from the system. This is an example of the gross negligence of Navient as a financial lender. Was in car accident in XXXX and called in XXXX of XXXX to defer payment was told I had to pay. Even though I was requesting not to based on financial hardship to to a car accident. Had to pay regardless and requested a supervisor from customer advocate office and was denied was forced to make payment. Navient without my approval used third party XXXX for payment. These are common issues and lack of care of Navient showing negligence. | ||||||
| 01/30/2017 | Yes |
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| I have been with Navient since the transition of my loan from XXXX XXXX, which was also at XXXX point XXXX XXXX. When I graduated in XXXX XXXX, I was informed by both my student counselors and XXXX XXXX that I would be given a grace period of 6 months of the start of repayment of my student loans. This was reasonable. I immediately took action to improve my financial situation in order to position myself to make my monthly payments. I moved into a cheaper apartment, I secured a second job ; all in order to not only protect my struggling credit history but also to honor the loans that I was granted by NavientXXXX. To that end, upon contacting Navient to reinstate my payments and discuss my options, I was told that my account was seriously past due. I immediately paid the account to current and have been making the payments on time since XXXX. I have actually been aggressively paying down my loans thanks to the second source of income I have established to dedicate directly to my Navient loans. Upon reviewing my credit report and disputing with your representatives on an exhaustive measure, I have come to no solution on how this has affected my credit report. What is overly frustrating, is XXXX, when I call, I am placed on immeasurable holds, I have spoken to individuals that do not understand my questions, concerns requests, etc., and I am told different information with every person I have talked to. Considering the fact that I talk to people that do n't quite understand my request, question or concern, I believe this error in communication has negatively reflected upon my integrity as a borrower which greatly impacts me from a standpoint to speaking directly with you and having my case heard without judgment as well as a XXXX to 10 year negative credit report. The actions that I took are as follows : My initial contact started in XXXX to select my repayment plan and to possibly defer my student loan payments which would have started in XXXX due to 6 month grace period from the date of XXXX XXXX, XXXX. The phone discussion consisted of confirming if my student loans have a grace period, e.g., Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans and Unsubsidized Federal Stafford Loans. The agent I spoke with confirmed my loans were allowed a grace period and upon the deferment grant I could discuss my repayment plan as an income based program. The 6 month grace period was confirmed by XXXX University ( letter attached ) ; and Navient On or around XXXX XXXX, I was sent a letter of denial for deferment and was told that my account needed to be made current by XXXX XXXX of a payment of {$300.00}. I made several calls to Navient to discuss the credit reporting situation, i.e., why was I reported delinquent during my grace period, etc. This correspondence included providing Navient a copy of my full credit report, a copy of my newly signed lease agreement ( demonstrating the reduction in rent ), to determine my ability to enter into repayment and to show good faith and intent to pay my loans with reduced living expenses. I made my first payment to Navient on XXXX XXXX, XXXX. I was informed again that my account was past due, and I immediately brought my account current by the expressed due date. I have since made my payments on-time every month. I hired a credit repair agency ; XXXX XXXX XXXX on XXXX XXXX, XXXX. Due to lack of progress and needing more legal intervention with Navient account, I ended my contract with XXXX XXXX XXXX on XXXX XXXX, XXXX. I hired a new credit repair agency ; XXXX XXXX Firm, on XXXX XXXX, XXXX. This was to no avail, and therefore, ended my relationship with XXXX XXXX Firm on XXXX XXXX, XXXX. I hired XXXX XXXX Firm on XXXX XXXX, XXXX Letters to Navient CEO are the current and on-going with no response. | ||||||
| 01/16/2023 | Yes |
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| In XXXX, I was completing my final semester in a XXXX program. Although I was told I had in-school deferment, I called Navient on XX/XX/XXXX to inquire about my next steps. I spoke to an agent from the company 's Federal loan department. This agent became aggressive when I tried clarifying if I qualified for Biden 's loan forgiveness program. Then, she hung up her phone. Four days later, on XX/XX/XXXX, I was in a XXXX XXXX and was healing from a XXXX XXXX XXXX between XX/XX/XXXX through the end of XXXX. Throughout XXXX, I received persistent calls ( even on XXXX XXXX XXXX ) with at least 3 calls per day starting early morning during working hours. These calls registered from a variety of out of state phone numbers, therefore, my phone recognized these numbers as SPAM. On XX/XX/XXXX at approximately XXXX PST, a Navient agent called wanting to speak about both my private and federal loans. I explained that I was working and asked the agent to please call back at lunch time. During this time, I was still resolving XXXX XXXX insurance details, XXXX XXXX, my recent move and my job, however returned Navient 's calls. On XX/XX/XXXX, I called Navient to resolve the Federal payment plan, but was connected to the Private loan department where I spoke to an agent named, XXXX. I asked for her permission to record the call and she consented. XXXX 's details varied and overlapped and were confusing. She told me I had forbearance in XXXX which I did not request and when I tried to clarify why I was told I had in-school deferment approved throughout Fall and did not give my consent for forbearance, XXXX interrupted me then began yelling and placed me on hold several times. I asked to speak to her supervisor and was connected to XXXX XXXX. I informed XXXX XXXX that I was recording this phone call. I explained my situation in detail including my XXXX XXXX XXXX co-signer whose daughter died XXXX XXXX prior and his wife suffered XXXX XXXX and was recovering. I explained my objective was to set up a repayment plan and to extricate my co-signer as soon as possible, but that no one should be yelled at, intimidated or harassed. XXXX XXXX agreed to a call on his direct line the following day. I called him that next day, on Friday, XX/XX/XXXX, during my lunch break hoping to gain clarity and ask how much my payment would cost with new interest rates. He explained the monthly payment amount for the 3 loans in his department total {$540.00} per month. ( I have 3 other private loans in default with a collection agency which would cost at least {$300.00} per month and Federal loans at approx. {$170.00} per month. ) I asked XXXX XXXX to consider reducing the {$540.00} to a sum more manageable, so i can also make payments on my defaulted and Federal loans. XXXX XXXX explained he would speak to his director and they would assess " what they can and can not do '' for me and get back to me after XXXX XXXX XXXX XXXX 's XX/XX/XXXX holiday. In the meantime, I am applying for a second job and setting up my payment plan, however Navient must communicate effectively with respect -- not yell and interrupt. I have had several similar phone calls with Navient and especially with XXXX XXXX. Furthermore, I am waiting to clarify if Navient approved forbearance in XX/XX/2022. If they did, they took this action without my consent. In addition, they allowed my loans to become delinquent for 2 months. Even though I reached out to Navient to confirm my in-school deferment in XXXX, it was not. And now, the credit score I worked hard to improve these past three years might be ruined and I may face legal action from Navient because I don't have an extra $ XXXX, am a XXXX XXXX and a XXXX XXXX XXXXXXXX whose job prospects are less than her white male counterparts. If I could turn back time, but I can not. | ||||||
| 10/14/2017 | Yes |
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| My complaint is about my loan ( s ) with the servicing company, Navient ( formerly XXXX XXXX ) I am currently repaying a loan from my years at XXXX XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX. ) In that time I had obtained Stafford loans to pay for my education. I left with two loans amounting to around {$50000.00} each. I only had a part time job at the time so I could not afford to pay the loans at that time, so I differed the loans until I could go full time and, trying to simplify the payments, I refinanced the loans with XXXX XXXX, something I wish in retrospect I had not done. In the years that followed, I had financial difficulties and had gotten forbearance and postponed payment of the loans using deferments provided by XXXX XXXX. Two years ago, XXXX XXXX split off my loan into a company called Navient. Before this, I had arranged to get on the income sensitive program where my loan was determined by my income. When Navient took over I no longer had that option, but I then signed up for a payment program which I would pay my loan determined by my income, and in twenty years after paying the loans, the remaining amount would be forgiven, since I am a XXXX XXXX employee. The loan arrangement did not go as I hoped. I started off paying {$57.00} per month. When may salary increased the following year, XX/XX/XXXX, I was re-assessed a monthly payment of {$230.00}. This decision was made without determining how much money I needed for living expenses and other debts I had to pay. I also received little notification of this increase ( which was debited from my bank account, which they encouraged plan recipients to do ), and I found out about it when my it came out of my bank account and caused my other payments to bounce, resulting in being charged multiple overdraft charges from my bank. The increase in payments has caused me financial distress and I have had a hard time staying current on my loans and other bills. I sent Navient a letter telling them I could no longer pay the amount they assessed and offered to pay {$100.00} per month. I received a letter from a Navient person saying that they could not change the payment amount based on their arbitrary assessment of my income, that {$230.00} was the least they could charge me. ( they did not ask me anything about living expenses or debts. ) I also believe that Navient has been overcharging me for fees, interest and other charges, resulting in my loan jumping from {$90000.00} before I signed with the loan forgiveness program, to {$100000.00}, in the course of a year. Instead of my loan total amount going down, it seemed to go up each month despite monthly payment of the loan. XXXX XXXX also padded my loans with such fees and interest even before Navient took it over. I asked for an itemization of the which part of the loan ( s ) were principal or fees and other charges. Based on the response I received on XX/XX/XXXX, I do n't believe the service personnel understood my request. I would like for Navient to re-assess this loan and give me a monthly payment that is more affordable. I feel this is a reasonable request because I have proven that I can pay my loan if what I am assessed is affordable, and a sizable amount of this loan is fees and interest charges tack on ( questionably ) by Navient, which would have been easier to pay off if it were not for these questionable charges. Also, I believe these charges violate the spirit of the program in question since it should have allowed persons to pay off their ( in my case ridiculously high ) debts and have it eliminated at some point. Navient has worked instead to keep me in debt with no hope to pay it off ever, with no guarantees that the loan will ever be forgiven. I hope you can help me with this situation. I have documents to prove my case if needed. | ||||||
| 07/13/2015 | Yes |
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| To Whom It May Concern : My name is XXXX XXXX and I am beyond frustrated with Navient formerly known as XXXX. I have been having an ongoing issue with them for the in regards to XXXX private loans that went into default. I was enrolled in a new loan program that was supposed to assist me with paying toward my interest/principal balance, this was supposed to be a more affordable payment for me. I made my XXXX 3 months of payments on-time then I called in XXXX in regards to a payment and then I was informed that XXXX out of the XXXX loans that were supposed to be combine it these new program were n't. So XXXX loans were defaulted. I called and filed a compliant nothing was done. Then they had their account auditor ( Obudsman Dept. ) review my account. I received a call and return the phone and played phone tagged with the Supervisor for months. Then I received a letter from the XXXX XXXX, which received and took over the XXXX default loans. I explained the whole story of what happened and that the loans needed to be return to Navient. They informed me that I would need to work with Navient, which I contacted them again and they continuously repeated that their was nothing they could do. The loan officer which was the originator of the new loan agreement made the error and did n't combine all XXXX loans in the program so they wrote to the Obudsman Department again to see if they could review my account and see if they could have the default reversed. At that time XXXX XXXX, Supervisor at Navient submitted the review request. I was informed to contact the Collection company, which went from XXXX XXXX to XXXX. I explained the story to XXXX and they entered those loan in manager review for 30 days, which allowed Navient the time they needed to get those loans back. I spoke to a XXXX XXXX ( new loan officer ) on XX/XX/XXXX, where he informed me that those XXXX loans were reversed and that I needed to speak to the reviewer XXXX XXXX XXXX in regards to this before I can proceed. I have called his line and the main line and left numerous messages no one has called me back. Today ( XX/XX/XXXX ), I called to check on the status and I am told that those loans have defaulted again for non-payment and bad check writing and they will no reverse the loan. I did n't write bad checks. I informed XXXX XXXX on XX/XX/XXXX when we spoke that the account that was on file for fund withdrawal was closed by XXXX XXXX XXXX for fraudulent charges. This information was n't noted on my account so they continuously took funds from there, which on closed account you can get any money out of it. I informed the loan officer that I had another account that the payment could come out of, but he informed me that they would take that information once I spoke to XXXX XXXX and received the update on the review then I could move forward with the new loan agreement and payments and they would take my account information at this time. Now, I have been working with Navient on this issue since XX/XX/XXXX and I am still dealing with this. I 'm following their directive and I am still being punished in just trying to pay my loans and not have them go into default. Which defaulting on loans effects everything you try to do in life. So, now they are telling that the reversal was rejected because payment were n't made and that its a charge off at this point and they wo n't reverse it again on an error their loan officer made during the origination of the loan program in XX/XX/XXXX. So, now my life should be destroyed because of this. I am beyond LIVID, they do not work with you, you leave message people do n't return phone call, they do n't assist with a affordable loan payment based on salary either. This issue make me regret that I took loans out to go to college and better myself. All of this for what ... | ||||||
| 03/04/2016 | Yes |
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| After we got married in XX/XX/XXXX my wife following in her parents footsteps wanted to become a teacher. I had a good job and she was going to school full time and not working. We had our XXXX child in XXXX and opted not to put him in daycare. We were told that I made too much money for federal loans and we would have to pursue getting private student loans to finance my wife 's dreams of becoming a XXXX. We approached Sallie Mae and were told that we qualified to get private loans through them. Over the years all information they required was sent to them and they dispersed it to us with no questions asked. Over the years I would contact them inquiring about what our payment would be if my wife stopped going to school right then and I was always told that they would contact us at the end of her education and to not worry about it. My wife completed her education and has a XXXX and XXXX degree in XXXX and she currently XXXX. I have been at my current employer 7 years and throughout that time my mandatory overtime has helped us to meet our monthly payment to them. I work for an XXXX company and with the downturn in that sector my mandatory overtime has been eliminated thus creating a hardship in our repayment of our load to them. As of this complaint the only person I am behind on is our credit card which we have had to use over the years to help us get by when my overtime helped only to pay Sallie Mae and left us with not much else to live on. I called Sallie Mae on Friday XX/XX/XXXX in the hopes of getting a reduced monthly payment. I went over in extreme detail our current financial state with only having {$92.00} in our checking account and no savings. I gave accurate numbers and did not try to deceive anyone. After visiting with his manager he came back with what I thought was a solution. My 1.5 hour conversation went like most have over the years with them ; they were only willing to reduce our monthly payment from {$1000.00} to {$930.00} a month! I expressed gratitude to the person who spent all that time with me but asked why the payment could not get lower than that? He said that after they figured out our bills it showed that my wife and I would have about {$1100.00} left every month after bills. I said but sir that only leaves us less than {$200.00} extra every month, what happens if our car breaks down or we have some type of emergency? I said what if a person loses their job completely what would you do with them? He said they had no options if they had private loans and that left me completely in awe at their lack of compassion? He stated once again like a broken record that our private loans allowed for no to very little room for any type of negotiation. I said but sir can I contact the lenders either by mail or phone and state my case to them for either some possible loan forgiveness and or a reduction in our monthly payment? He never would tell who these people were? Was it SM, was it some reclusive billionaire ... who??? He never would tell me. I am in no way trying to be a freeloader and remove myself or my wife from the debt we signed up for but the un-willingness of SM to try and work with us leaves me completely in shock. Here I am trying to stay in good report with them and yes {$180000.00} is a lot to owe someone BUT I also feel that over the years SM should have questioned us a bit more when we were applying for loans. We never deceived them but if they had said XXXX and XXXX XXXX your current payment would be this dollar amount if your wife stopped going right now we would have said WHOA! ... we ca n't afford that every month and we would have had to figure something else out but SM just kept sending the money without any type of checks or balances. Our current payment to them is XXXX per month which covers the interest only. | ||||||
| 12/27/2015 | Yes |
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| I am a first generation college graduate. I went to XXXX University ( XXXX XXXX, XXXX ) and XXXX XXXX Medical Center ( XXXX XXXX, XXXX ) for my XXXX. I was able to get some federal grants and loans, but not enough to cover the costs of tuition. To cover the rest, I had to take out private loans. When my parents and I called XXXX for info on how much money I would need, they told me it would be easier to take $ XXXX out. Not knowing anything about college and loans, I fell into the trap and took out $ XXXX to pay for school, books, etc. I ended up taking out $ XXXX total for all of my schooling through XXXX and I have the federal student loans as well ( $ XXXX ). After graduating school I started repaying all of my student loans. I had just graduated and was n't making that much money. There were times I could n't afford to eat after paying my student loan that month. I used to beg XXXX for some sort of assistance and every time they would tell me there was nothing they could do, and I should have thought about this before taking all this money out, OR I should n't have gone to school. This was completely different from what they were saying before, when I was trying to get the money for school. I was using credit cards to pay them and was in complete debt and just starting my career. I did n't know what to do. I would call the Department of Education about my federal loans, but there was nothing that they could do because they did n't consider the monthly cost of private loans. I was paying {$2100.00} a month on a $ XXXX salary. I was quickly hitting rock bottom with my finances and trying to finding something, anything, that could give me a little relief with the payments. I was honestly trying to pay with every penny I had and not skip payments and go bankrupt. No matter how many times I called, XXXX wanted the full amount. I did n't know what to do and had been laid off. I finally had hit rock bottom. I do n't know how I found this blog from a guy in the same situation as me, since I had been searching online for some sort of relief for many years, but I did. He spoke about calling XXXX 's collection department to get an IBR plan, so I did and I got it with only 1 % interest rate. This was great since I was out of work and could put that money towards gas to make it to interviews and bills that were falling behind. Things seem to be turning around, then my loan was switched to Navient. When I tried to work with them they were rude, just like XXXX telling me I should n't have gone to school if I could n't afford it and the manager threatened to take me off the plan if I complained anymore about the rate substantially increasing. She told me that I should n't have bought a house, that I should sell my car, and I should n't have bought a ring ( I was getting engaged ). The items she referenced that I " should n't have done, '' I did before the IBR plan. After telling her that this was n't affordable, she told me that I should be grateful to be on it and that she could take me off it at anytime. My current student loan payments monthly are {$1700.00}, which includes Federal loan amounts and my XXXX loan ( $ XXXX/month ). This sounds great compared to the {$2100.00} I was paying, but if my federal loans increase yearly, and Navient decides to increase at whatever percentage they feel is necessary, I will be back to struggling on how to pay. For years I had been begging these companies for assistance, and had gotten nowhere. I had to find it in an article, ask for it, then they threatened that they could take it away from me ( like they gave me a gift ). For my federal loans, it 's not worth going on the assistance programs because they do n't take into account the private loans, so the payment is extremely high. This is not right. Something needs to be done. | ||||||
| 12/13/2021 | Yes |
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| Navient is sending me emails demanding payments on federal direct loans during the COVID payment pause. The first email came on XXXX XXXX, XXXX. It said " XXXX, you have loans entering repayment soon '' and demanded a payment of {$120.00} with a due date of XX/XX/XXXX. I received a second identical email on XXXX XXXX, XXXX again demanding a payment of {$120.00} with a due date of XX/XX/XXXX. It can be extremely confusing when borrowers receive notifications from student loan servicers like Navient because roughly half of the notifications include information that is false, misleading or an error and when I call Navient about it I'm told to just ignore it. This makes it impossible to tell what information Navient is sending me is correct and requires me to take specific actions that my financial life depends on. Everything ends up being a guessing game and a hall of mirrors. On XXXX XXXX, XXXX I got a deeply concerning email from Navient saying that somebody had changed my mailing address on XX/XX/XXXX. I did not do this, and the message said " If you didn't request this change, please contact us immediately at XXXX as it could indicate attempted identity theft or other suspicious activity. '' I did call them immediately because I was deeply concerned about this, however, because Navient sent this email to me at XXXX p.m. ET their offices were already closed that day. I called Navient at XXXX a.m. ET on XXXX XXXX, XXXX and spoke to a representative named XXXX XXXX whose employee ID number is XXXX. XXXX XXXX confirmed that my mailing address was correct, it was exactly the same has it was before and it seems like it was not changed at all which is good news. XXXX XXXX told me that sometimes this happens by error if a representative at Navient accidentally or out of habit clicks a box that signals there was an address update. I also took this opportunity to ask XXXX XXXX about the other emails Navient has been sending me demanding payment on a federal direct loan in violation of the payment pause. She said that they have been getting many phone calls about this issue from other borrowers. She said this was a problem " because of the fork '' ( I don't know what this means ). She says that Navient had automated these messages before the payment pause got extended and that they have been unable to turn these automated messages off. I asked XXXX XXXX how many other borrowers got messages like this. She said she did not know, but confirmed it has happened to many other borrowers. Did it happen to all accounts that Navient services? I explained my distress that it is impossible to know what information Navient sends me is accurate and what is false. I asked when Navient was going to send me the correct information about when payments would resume. XXXX XXXX insisted that Navient had already done that, and I had to insist that they never did. I also expressed my distress about the upcoming servicer transfer to XXXX. During past servicer transfers the CFPB has documented that one out of every five accounts has had errors as a result of the transfer. I had hoped to avoid the servicer transfer. Since Navient services some of my federal direct loans and XXXX XXXX services another portion of my federal direct loans I had hoped to avoid the servicer transfer by consolidating all of my loans had choosing XXXX XXXX as my servicer. XXXX XXXX told me that this should be possibile, however I had previously tried to consolidate these loans and XXXX XXXX sent me a notification saying they had cancelled the consolidation based on a technicality. So it seems like there is no way for me to avoid this servicer transfer. I requested account information to be mailed to me by Navient multiple times. It has not yet arrived although XXXX XXXX insisted it was on its way. | ||||||
| 02/09/2017 | Yes |
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| In XXXX, my federal student loan was moved over from XXXX to a new loan servicer, Navient. In mid-XX/XX/XXXX, I received several notices by mail regarding my new account, upcoming payments, and setting up an account online. I attempted to create an account online in XX/XX/XXXX, but was unsuccessful. I thought maybe backend database needed to be updated, so I waited some time and tried registering again - no luck. I called into the customer service line either end of XX/XX/XXXX or early XX/XX/XXXX, and was told that my account information was n't correct. My personal data did n't match the account number or my social security number. I was instructed to fax a copy of my social security card to a toll-free fax number. I 'm personally not comfortable with sending over copies of my personal data to a company that has not demonstrated care with my information. Over the course of maybe a dozen calls to customer service, speaking with CSRs and supervisors, I discovered in a conversation with a customer service supervisor, XXXX ( ID # XXXX ) that there were two databases utilized at Navient. One utilized by CSRs and serves as the backend for the website ( I believe XXXX called this the CLASS system ), and the " mother system '' which was the primary database. According to XXXX, my information in the primary database is correct. My information in the CLASS system is incorrect, which would explain why each time I call I am asked if I am calling for myself or someone else ( one rep revealed that the name on the account is XXXX and the phone number was a XXXX area code number ). It also explains why I ca n't register for an account online. The outcome of one call on XX/XX/XXXX was that the CSR put in a request to the IT department to reconcile my information so that I could register for an account online. I sent an email to the Office of the Customer Advocate ( OCA ) that day as well. In 2-3 days, I should 've been able to login. I did attempt to register online on XX/XX/XXXX, again with no success. I called customer service and they told me that they would have the OCA office reach out to me. XXXX from Navient 's OCA office reached out and left a voicemail on XX/XX/XXXX, I 've called back twice and left two messages since then with no response. Today, I called the OCA office again and spoke with XXXX, who told me that I needed to send in a copy of Social Security card and Driver 's License to a fax number that he provided. I told XXXX that my problem is that Navient has not demonstrated any careful handling of my identity thus far, yet I still have to send copies of my SSN and picture ID to a fax number without an attention to or case number or any confirmation that a specific person on Navient 's end will be handling my case. I have never encountered such difficulty with my account until my loan moved over to Navient. While I understand protocols for verifying customer identity, I do n't understand why, if they have my information in there central database, they can not accurately populate an account for me so I can get on with my payments. It 's ridiculous to expect a customer whose personal information has been poorly managed to fax additional copies over to an unknown recipient to correct the identity mismatch. No one at Navient can even tell me how this problem occurred, and it 's frustrating that I went into unwanted forbearance just to avoid late fees that they began charging me as a result of past due account. While I ca n't seem to reconcile my account information, Navient still manages to send me notices of my payment due date as my forbearance is coming to an end and next regular payment is due on XX/XX/XXXX At this point, I 'm fear I 'm not going to be able to make a payment and will incur more past due charges for an error that is n't my fault. | ||||||
| 01/24/2017 | Yes |
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| XX/XX/XXXX, I was a newly single mom working a {$3.00} an hour waitress job. After seeing XXXX XXXX great advertisement of promises for my future, I decided to enroll. I enrolled after financial aid told me that based on my income I would only pay about {$20.00} a month and the XXXX degree would be under {$10000.00}. He stated this would cover everything, my classes, books, graduation, degree, etc.During my 1st semester my school hours starting interfering with my work schedule. I spoke with a counselor to see if I could do some day time classes and some at night. The school refused to work with me even though they had all of my classes twice a day. Being the school refused to help me it, I was no longer able to attend classes. I did not get the 1st letter about my loan for over a year after. About 6 months to a year later I got a phone call from my professor asking me why was n't I in class? I asked him why would I be in your class, I have n't enrolled into any classes and have been out of school for quite some time. The professor then told me I needed to call the school because the school has me enrolled into another semester. I then call the school immediately and just kept getting transferred around and voicemail 's. Finally after some time I get a response from someone who told me that they do not know why I am being enrolled into classes and I needed to call XXXX XXXX. XXXX XXXX told me that I needed to deal with the school because this is their doing and there was nothing they could do to help me. So here I had a lender not knowing how I am getting new loans and a school not giving me any information and avoiding my calls. At this point I had no idea what the school was charging me and not aware that the reason I have n't gotten any bills from XXXX XXXX is because they were placing me in deferments without any knowledge of interest growing on top of the loans. I could n't afford on my waitress job a big monthly payment, so they kept telling me do n't worry about it we can just put it in a deferment. XXXX XXXX made it sound like it was a great program for someone in my current financial situation. XX/XX/XXXX, I started working for a collection agency who works with the Dept of Education on defaulted student loans. They asked me if I had any loans in default because if I do, they will have to release me of my employment. The client does not allow employees to have loans in default. This is when panic mode set in with me and I started researching my loans. I pulled my credit report and it shows XXXX took out loans with XXXX XXXX for years XXXX, XXXX, XXXX. Enough years to get a XXXX degree and here it was NO XXXX degree and only 1 semester under my belt. The University also got shut down at this point so I ca n't get any more information from the school. XXXX got shut down for being fraudulent with their students. I called XXXX XXXX ( Navient ) and requested promissory notes for all my loans. They took XXXX promissory note and made XXXX copies of it and attached as if this was XXXX different notes. You can clearly see this is a copy of XXXX note due to the same date on all loans and smudges in the writing is the same on all. When I got the balance of my loans I was shocked! The school told me I would pay less than XXXX and XXXX XXXX is telling me that I owe almost XXXX in loans after interest. If I would have known I was going to be scammed of this much money I would have never enrolled.I have paid into this loan for the past few years and the lender has not reduced the principal at all. I need to know why the school enrolled me into 3 years worth of schooling after only attending 1 semester? I need to know why am I being charged for XXXX after only attending 1 semester? How does XXXX XXXX give loans to a school with a copy of an old promissory note? | ||||||
| 07/09/2015 | Yes |
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| On XX/XX/XXXX I received a call from a very nasty woman at Navient telling me I owed {$890.00} today, demanded persistently I give a credit card, cash, or check! I told her I was informed by the Advocates office of XXXX not to speak to Navient ; they handle Federal Loans for new borrowers ; not Private Contract Loans. I told her to stop contacting my parents ; the lawyer faxed/certify mailed a Cease and Desist letter for both of my parents that XXXX more call criminal charges will be filed. She became very belligerent stating nobody called my parents : There are recordings of ALL NAVIENT CALLS as early as XXXX and later than XXXX, more than 4 times daily, everyday, including weekends/holidays! She told me she can call me if she wanted to, the advocates office ca n't stop Navient from calling. I explained, XXXX XXXX has the contract, she merged all loans into XXXX loan, the forbearance dates were to start and end at the same time. XXXX had them in administrative forbearance, on several occasions had to extend that due to complications she had fixing it in the system. I call XX/XX/XXXX spoke to XXXX who adamantly refused to continue forbearance, he said XXXX forbearance expired, the others had two months time left to use ; that XXXX would need paid, I explained that was wrong XXXX XXXX redid the contract merging everything into XXXX, making them due on the same date. He said he would email her to call me, no call was returned. I tried calling her several times and left messages, XXXX at the advocates emailed her twice to call me, to present date no return call from her has been made. I have persistently, faithfully tried to resolve this issue as directed by XXXX XXXX. I paid {$150.00} every 3 months as I am XXXX, receive XXXX and only {$1000.00} XXXX pay. Additionally I was wrongfully denied the original XXXX review for waiver ; this was for XXXX and I paid XXXX for forbearance. After my school contacted the company 's higher ups it was determined it was an oversight that Minnesota life would review the loan. I was informed that I was approved for 100 % waiver from XXXX XXXX at XXXX XXXX in her review XX/XX/XXXX, and just Friday XX/XX/XXXX, I received a letter date XX/XX/XXXX from XXXX XXXX stating she got the information from XXXX XXXX for the review of XXXX. I was offered XXXX % write off of adjusted balance. I am owed back 1 year of forbearance time I paid for the oversight error by the advocate of XXXX XXXX/Navient. I called XXXX XXXX right away left an in-depth message, requested a call ; and called thereafter : I have a phone log showing these calls were made ; and all conversations I have recorded including today 's call from XXXX, XXXX Navient Rep. I finally told the rep if I filed bankruptcy the judge would dismiss this, I am not collectible, and own nothing. The judge would not make me live XXXX in the street to die. Furthermore, XXXX payment is not able to be garnished, it is judgement proof. Per the ORC 3923.19 ( B ) 1 ; and ORC ( F ) SEC 5115.06 this is enforced by law! The rep told me this is in collection now, I need to go to bankruptcy court, it will not be dismissed, and shes starting collection action on me today and hung up on me! This is NOT negotiating, this is not being reasonable ; it is not my fault XXXX XXXX has not fixed this or called me back, and I absolutely ca n't give my entire XXXX check to Navient, and NO court of law will accept this ludicrous behavior from Navient! I tried putting it on forbearance, was denied my right to do so. I tried to resolve the issue before it became one to no avail. This is the fault of Navient/XXXX XXXX poor customer service who are inadequately trained! To be harassed, threatened, and bullied, is against laws set by FDCPA, and serious repercussions are at stake against Navient for these actions! | ||||||
| 11/28/2016 | Yes |
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| I 'm stil having the same problems with Navinet that I had the last few times I was trying to figure all this out with you guys but got no-where. So this month at least the private student loans that are about 10 years old now & changed hands, merged, went out of business. A cornucopia of what happens when a system goes bad. For a few months it appeared as if one of the loans ( which is dissected into about XXXX or XXXX any loans, and had, I do n't even remember the names because they have been changing every time I look at them. So for about 1 month, I actually thought there might be some hope because of the statue of limitations and I was led to believe that they would all XXXX be falling off this year. However, 2 things happened when I checked today 1 ) all of the loans were back, so around $ XXXX or so. I guess apartanftly the statue of limitations does n't apply toward private student loans. I have never made a payment on any of these becaue a ) I did n't l know who to pay and b ) I do n't believe that I should be responsible for these loans because I was very sick, due to professionals in medical world, particularly the field of XXXX. When I made the mistake of asking for help and my XXXX decided let her boss the then XXXX be in charge of ALL of my medications, including the ones that were for my physical illness : XXXX XXXX. Well that turned out to be a mistake bc he was not paying attention due to his own legal problems & besides increasing the Rx for side effects of XXXX that caused original problem & then dumping all of these heavy duty rxs on me. I ended up in and out of the hospital between XXXX as well as put on XXXX. Because of all these factors, not only could i not stay in school but also I was prohibited by my therapist, case manager & other " 'processionals '', ' not allowing me to return And what really does n't make sense is how besides seeing this XXXX along with more than I can count or remember, bc everything you get locked up in the XXXX you end up seeing at least a few different XXXX.. ... & after years of this happening over & over, not 1 was able to figure out what was going on and these so called " doctors '' are supposed to medication XXXX .... well apartly that 's not the case or I just ended up every time with a bunch of XXXX, where NOT ONE was paying enough attention. The original doctors on the physical side had no idea what was going on bc my therapist refused to calll them & I was too sick to do anything, as well as the fact that once the county got involved, I was no longer considered even to be at a level of a human being and just got kicked in gut, until they broke me & learned thar trying to self- advocate w/ the county, backfires. This is all important bc if I had been in my right mind, I would have never gone to XXXX school nor would I have taken out those shady private student loans. Its been about a decade now and I spent the last 5 years trying to rebuild my life, which turned out to be a waste of time, bc XXXX has now gotten worse. Bc these loans have kept me from improving my life bc the best % rate I have beeen able to get has been 18 %. denied apartments, other necessities. All of my $ has been spent on rent bc I never " qualified '' for anything below market rarte. I might now, however but I will end up w/out elevator, parking & laundry. Things that are no longer a luxury & now a necessity. Since I do n't expect help from anyone nor even a response from you guys. The life I have & see for my future is just pure hopelessness & despair. These loans will haunt me until the day I die. & when happens, hopefully sooner than later, bc this is n't a life. Perhaps after my death, bc they have helped destroy a life & will end up taking on. Then maybe the gov will see a need in offering real help | ||||||
| 07/09/2015 | Yes |
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| I am applying for help because I saw the article regarding XXXX XXXX ( as well as other private schools ) fraudulent student loan charges. It says " XXXX XXXX XXXX along with various other branches of Mother Company XXXX have been under scrutiny for the past few years and have recently become a part of a decree from the government to forgive over XXXX in loans. Certain dubious acts have come to light such as falsified information, predatory lending, aggressive marketing, law suits and even as far as to receive a notice of request to delist XXXX. '' This is for my son whose {$80000.00} student loan turned into {$190000.00}. While all of his federal loans were deferred till he XXXX, his private loans were accruing interest the whole time he was in school. Unbeknownst to us, they did n't tell us he should 've been making some type of payment while in school. After he XXXX, he received a statement of how much he was going to have to fork over each month. It was close to {$1600.00}. So I called XXXX XXXX, at that time and after she reviewed his case she told me he qualified for a LOT more federal loans than what he received. This set a huge red flag with us right away!! These lead us to believe that the XXXX XXXX receives some type of kickback off private loans. Of course, when I contacted the financial office at XXXX they denied it all. What 's even worse, they never told us anything about most of these loans being private, not outside of when he first applied and of course we had to apply XXXX year at a time ( or it might 've been one semester at a time ) My husband and I had to co-sign for XXXX of these private loans. When XXXX of them came due, the payments were over {$1100.00}. He had n't even graduated yet!!! Since we co-signed we had to come up with the money. Since there was no way we could make that kind of monthly payment, we had to pull $ XXXX form our XXXX. XXXX still had an outstanding private loan from that bank that he could n't pay for either. The boy had no choice to file bankruptcy on his XXXX credit cards and car. At XXXX he had to move back home with no hope of getting a family anytime soon. Being that school loans do n't allow for bankruptcy, we just knew bank/loan agencies were n't allowed to call him during this period, so we figured this XXXX bank ( XXXX ) not necessarily forgot but was deciding what to do. Come tax season, ( after he already filed ) he received a XXXX from the collection agency for XXXX with a forgiveness of {$4100.00}. I know this was n't the full amount. When I called them about it she just told me he was required to pay taxes on it. I asked her if this is just interest and the rest wrote off or if it was just for 2014. She really did n't give a clear answer. After talking to a tax professional, XXXX most of which said they were n't aware student loans could be forgiven ) After reviewing some of the choices that the tax software gave, it was concluded he did not have to pay taxes on it. Still not sure what that loan will do to him down the road. The rest of his loans are through XXXX XXXX ( now Navient ). There 's XXXX in there that we co-signed for which he is paying on now. He was able to work with a consolidation place and got his payments down to {$800.00} a month for a year. He must reapply each year. He has another place that would reduce his payments to {$5.00} for XXXX years but not sure if he got that approved. I helped him apply for a so-called Student Loan Forgiveness through the phone number that was provided with the article. Come to find out ( which does n't surprise me ) it was for federal only. In my eyes, I see forgiveness as your debt will be wiped clean. ( or at least a huge portion ) This place was about the same way as the XXXX he applied to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX | ||||||
| 03/14/2017 | Yes |
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| I 'm writing to you to reach out hoping you can help me with some type of relief, or guidance, who I can go to, who will help me with my current situation with student loan debt. I feel like I am getting ripped off, being taking advantage of and there is nothing I can do about it but live with the situation. In XXXX my husband and I enrolled to a school in XXXX, California called the XXXX. I enrolled in the XXXX program him in the XXXX program. I was XXXX. old, he XXXX. While attending the school having no prior experience I learned a lot of techniques that I still use today for my XXXX. The program I enrolled was a 6 month program with 1 month externship for graduation. My tuition was {$28000.00} loan total debt after graduation in XX/XX/XXXX was {$33000.00}, and only a certificate was given to me that as not transferable to any other school to continue education. My husband quit XXXX moths into the program because after applying for a {$30000.00} loan the school asked him to apply for another {$25000.00} to continue the 15 month program. He suspected something that was not right, and he was right. The school led us to believe that after graduation we would find well-paying jobs to pay back the loans that we obtained to attend the school. I was told 6 months after graduation if I could not find a job the school would help me find one. When I called the school for help I got the run around and was never helped or contacted. I felt so over whelmed not knowing what to do, looking for jobs that would not hire me specifically because I went to that school, knowing I had a high payment of {$500.00} I moved back home in XXXX because I knew I had a decent paying job and my first payment was due XX/XX/XXXX. By XX/XX/XXXX my total loan balance with interest was {$47000.00}. Payments went up to {$590.00}. In the middle of XX/XX/XXXX I was contacted by a lawyer asking for information of the school and its process of enrollment also to see if I wanted to join a class act suit. The lawyers suspected fraud from the school and the school misinforming students of repayment, leading us to believe that we could pay back the loans at reasonable payment. Of course I jumped in right away, judgment was not granted until XXXX. I received {$19000.00} as reimbursement from the school but it went right back to the loan company XXXX/Navient who gave me the loan to attend the school. It did not even make a dent to the amount that I owed. In the end of XX/XX/XXXX all students who obtained loans for this school, who were still making payments, XXXX " transferred '' the loan to Navient a " sister lender '' to maybe avoid any other suit, I 'm not sure I was never given a clear answer from Navient why my loan transferred to them. As of today all XXXX ( XXXX ) have been closed down due to bankruptcy having to pay thousands of students back for fraud they did. In XX/XX/XXXX XXXX was forced to pay back over {$95.00} XXXX dollars to students who filed suit and who went into collections never paid back their loans. I know this because my husband never made a single payment and it was cleared from his credit report like he never got the loan. I would have done the same but my dad is the co-signer to the loan and could not ruin his credit. I struggled at times when I had to make high payments all while paying rent utilities car payments. Because I am responsible person who makes their payments I am still paying on a loan that many others got forgiven. I am asking for help, help for a new start for me and my family, to be able to be debt free from a loan that I will probably still be paying when I should be retiring. Please lead me to the right person, the right lawyer who will help me. I am not asking for a hand out but simply help without ruining mine or my dad 's credit. Thank you | ||||||
| 10/18/2017 | Yes |
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| In XX/XX/XXXX I had consolidated my student loans with a company XXXX XXXX XXXX, paid them an upfront fee and then monthly. They were to handle the consolidation of my students loans and then after 5-7 years my loans would be paid off as part of their program. I have already filed a complaint against this company because I found out years later they had my personal information changed to Navient and XXXX XXXX with an address and phone number in California. ( I have never lived or even been to California ) When all of this was realized I made several attempts to contact Navient to correct any information ( address and phone ) and determine how to straighten everything out. Every time I contacted them, they did not want to try and help but just trying to push me into a program. I reviewed all of my information over the years and researching feel that Navient only gave me the option of forbearance when I was looking for options. I have been teaching since XX/XX/XXXX ; three years as a day to day or XXXX XXXX, four years XXXX for a title one XXXX XXXX XXXX, less than two years for a new XXXX XXXXl that lost their charter and funding due to the budget impasse. Eventually last year I was able to gain a XXXX XXXX position. Through the years I have been in school due to requirements to keep my XXXX credentials and license. Navient has never given any other options or alternatives. When I discussed the situation 1. My information being changed and XXXX not making payments and 2. The concern with being pushed into forbearance and all the additional charges and fees. The third issues is that I have never been able to access my account on line, which I have told them repeatedly and asked to have statements, documents and re-payments options sent via mail or email. They stated that they can not do that and if they have any re-payment options it is only offered at the time of the phone call and may not be available again and the information can not be mailed. I made a complaint through their website and I received a call from Navient. I am not sure if she was from their customer advocate department, as she stated that she is the person that the advocate would have contacted to resolve this. I explained the situation and she transferred me to a XXXX XXXX. XXXX XXXX did not want to hear anything or resolve anything all he kept saying was that I had to get into a program. He was very rude, stated that I had to pay the loan and that all I was doing was wasting his time. I never said that I was not going to pay the loan but I do not even know how much it is because I can not access my account. XXXX XXXX interrupted me and just kept saying he did not want to hear it and said he was transferring me back to the representative and that I had to get into a program or they would take legal action. I did not have a choice but to accept their program which I am now paying {$280.00} per month. The representative who set up the program gave me my account number again and information to access my account. It still does not work and I can not get into my account and I have no statement information or details of the program. I am not sure if XXXX XXXX XXXX change my account information so that I am unable to access it or what has happened. Im a XXXX XXXX XXXX, I have XXXX children of my own, XXXX on the XXXX XXXX and my oldest with XXXX XXXX, XXXX, XXXX XXXX and XXXX and my youngest XXXXr. My intention was to get my account information including extra fees and charges, interest rates as well as removing negative reports on my credit report. To date I am still not able to access my account and they did not provide any details or statement information and I was pushed into another program. I have attached the documents from the law suit that CFPB filed against XXXX XXXX XXXX. | ||||||
| 04/11/2017 | Yes |
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I took out a XXXX back in XX/XX/2007 to attend XXXX in the XXXX. The complaint I have without getting into the whole story is, that XXXX ( Navient ) sent the money to the school first, then the school was supposed give me the remainder of the left over amount after tuition and fees. The issue I have with this is that the money was sent over one month before the semester even began ( they issued the money to the school on XX/XX/2007 ), orientation day was XX/XX/ |
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| 04/30/2015 | Yes |
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| Upon dispersement of each student loan, I paid hefty fees for loan guarantees to a loan guarantor, so that in the event, for some reason, I was not able to pay off the loan, the guarantor would pay off the loan on my behalf. I graduated medical school in XXXX, & received superb scores on all United States XXXX XXXX XXXX, but was unable to obtain a resident position, & therefore, never able to become a board certified physician. I acquired a 1 year internship, & completed that year, but even before I started that year, was informed by the sponsoring hospital that there was no chance of being offered permanent residency. I took the one year internship job, & so I had to continue with residency application processes as soon as I started work. During the year internship XXXX XXXX to XXXX XXXX, I paid about 60 % of my gross salary to student loan payments, somewhere about {$2400.00} per month. When that work year ended, I received unemployment for some time, & paid at least 60 % ( {$1200.00} per month ) of all my unemployment benefits monthly for about XXXX years. Unemployment ran out, but I was completely unable to gain employment. I diligently kept SallieMaeI informed in writing of my employment & income situations the entire time. Near the end of the unemployment benefits period, I informed SallieMae that their automatic debits must stop because I had no income, & no assets from which to draw. However, SallieMae continued to make auto debits for 2 or 3 months, and left me with no cash for food, rent, & living expenses. After multiple phone calls & letters, SallieMae reinstated XXXX of those month 's payments back into my account. After that, my bank required me to cancel the checking account & start a new one, because SallieMae repeated the auto debit incidents. However, this is not my major complaint. Since then, my government backed student loans have kept in good standing only because of the Income based payment plan option, for which I am grateful. The major complaint : Since then, SallieMae foreclosed on my private student loans. SallieMae received a complete payoff from the guarantor for the balance of my private student loans. Although SallieMae recognizes that the loans were paid off in full by the guarantor, SallieMae continues to proceed with collection processes, & additional interest, collection, & etc. fees & charges, through it 's spin -- off & collection agency companies. I paid a guarantor for guarantee service & when I signed, I never anticipated any chance of needing the guarantor 's pay off for my loans. However, I never signed, & would never have agreed to double indemnity on my loans. Since SallieMae has already collected account balances for my private student loans, SallieMae has gained much profit & no loss on my loans, even though I defaulted. SallieMae 's XXXX collecting on such loans is unethical greedy business, & completely immoral. I had no choices in the matter of my inability to pay off the private student loans because I had no income or assets from which to draw. If I had the ability to pay the private loans, I would have done so. When SallieMae foreclosed on loans & accepted the guarantor 's payments, my credit history was permanently affected. Now, SallieMae is working to gain XXXX profit on private loans from borrowers who could not afford even the normal single indemnity. Given my poor financial situation, SallieMae 's double indemnity & double profiteering is not just unethical business, but also criminal since it prays on folks who have the least financial resources & least ability to pay. SallieMae should be prohibited from infringing such double indemnity & double profiteering. I pray that Congress & other law makers put a stop to SallieMae 's inflicting my described double indemnity on borrower 's. | ||||||
| 04/14/2017 | Yes |
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| I received a loan for {$8000.00} dollars to take care of educated related expenses in XX/XX/XXXX with XXXX. Upon graduating in XX/XX/XXXX, I could not find work in my field. The amount XXXX was asking me to pay per month was not an amount I was able to pay with my income. I asked to pay what I had calculated using budget tools I had utilized. XXXX refused to except the amount I could pay and after submitting the payment I could afford several times and seeing the interest compounding and increasing my balance due as well as negatively impacting my credit because it was not being recorded as a full payment, I ceased to continue paying. Myself, my family members, and past employers were harassed to no end. I requested several times that they quit contacting whomever they found to be associated with me, as I had diligently stayed in touch and updated my financial status often. I was not trying to avoid my debt, but trying to reach an income level that allowed me to repay it. XXXX refused to honor my request of ceasing to contact third parties, and even continued to contact my deceased grandfather after I sadly went through the process of submitting his death certificate to the instructed mailing address. While I worked to grow my career, and increase my income to an amount that was acceptable for my debt and living expenses, XXXX absolutely refused to work with my any new acceptable budgeted payment I offered. I spent tireless amounts of time on the phone with the company trying to work something out. After several years of this, the last time I reached out to XXXX, the representative told me my debt was in the hands of a collection agency - XXXX. After receiving a notification of debt collection from them, I began contacting them. They wanted the entire sum. The sum had increased by {$2000.00}. I continued the effort to negotiate with them for almost a year, when the representative I was speaking with lashed out ( as had happened many times with XXXX. ) He told me in a harsh tone that they could sue me for the amount due and garnish my wages at whatever amount they wanted to. I broke down in tears and said I would be seek legal counsel to protect myself. With my lack of income, legal counsel was not easy to come by. I took time off of work to visit the XXXX and many other attorneys. None of these entities were able to help. They offered only that I file bankruptcy, but stated that bankruptcy may not forgive this debt. I waited, until one XXXX season when the whole family was gathered at the house, and a court summons arrived for me. It was embarrassing and humiliating. To receive a summons in the XXXX season with so many witnesses, I could not imagine feeling more like a failure to my family as a result of XXXX 's bullying. This really ignited a motivation in me to fight for justice. I reached out to every lawyer I had ever come in contact with, and one gracious attorney offered to help at no charge. He called XXXX and set up an agreement to pay {$100.00} per month as that is what I could afford at the time. I faithfully made the payment on time for two years. After making my payment in XX/XX/XXXX, I received a voided check stating that XXXX no longer had the debt. I spent hours tracking down the debt until I finally found that Navient now had it. They advised me that I could not arrange payments through them until they sent it to a debt collections agency again and am now in contact with them trying to come up with a way to pay the new balance of over {$10000.00}. This means that the estimated {$2500.00} paid toward the debt has amounted to {$0.00} off of the balance due. The civil judgement still remains on public records and on my credit report. They have made it impossible to pay off this debt. It has been a wild goose chase for 7 years now. | ||||||
| 01/24/2017 | Yes |
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| I obtained multiple student loans from XX/XX/XXXX to XX/XX/XXXX totaling approximately {$13000.00}, during which time I obtained XXXX degrees and graduated on time. During this time the student loan servicer sold my loan to several different loan servicers and incorrectly placed me into a repayment status, even though I was a XXXX and in good standing with the university during this entire time. As far back as my first semester in college XX/XX/XXXX I started receiving harracement from credit collectors hired by the student loan servicer at the time. They would call a harrace my parents and even call me at work when I started my first job XX/XX/XXXX. Also during this time, they began charging penalties and interest to my account balance and by the time I graduated XX/XX/XXXX my principal balance had increased to approximately {$23000.00} and I was not given my 6 month grace period after graduation, as was promised by the lender. Furthermore, because I was being harraced so frequently by the credit collectors, I obtained a XXXX XXXX Smart Consolidation loan as I was advised to do so by my loan servicer at the time. At that time they told me this was my only option or they would begin wage garnishment. They also told me that they could then go back and correct the situation with the penalties and interest that were incorrectly applied to my account balance. Which, they never did. So I began making payments on this loan in XX/XX/XXXX until I got laid off from my job in XX/XX/XXXX, when the payments were so high that I could not make them. From XX/XX/XXXX to approximately XX/XX/XXXX I requested 60 months of voluntary forbearance to keep the loan from going into default during the time I was laid off and had to take a XX/XX/XXXX cut in pay. During this time my loan balance increased to approximately {$32000.00}. FromXX/XX/XXXX to XX/XX/XXXX I began making regular payments on my loan as I got back on my feet financially. I never let my loan go into default at any time. I always managed to make the payment and catch up whenever I got behind. However, my loan continued to increase during this time because of capitalized interest that XXXX XXXX was charging to my account. XX/XX/XXXX my loan balance increased to {$42000.00}. In frustration because the loan balance increased by {$10000.00} while I was making payments, XXXX XXXX changed the loan terms toXXXX payments of {$400.00} per month and ending on XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX I made XXXX of the XXXX payments totaling approximately {$48000.00} of which, approximately {$46000.00} was charged to interest. XX/XX/XXXX I received notice that Navient was concerned that I was not paying my loan off quick enough and they were raising my payment to {$670.00} per month and extending the terms to XX/XX/XXXX. Which defies all logic if they were concerned I was not paying it off fast enough. So as of the current date, I have paid over {$60000.00} toward my loan and I still have a principal loan balance of {$43000.00} and they want me to pay approximately {$60000.00} more through XX/XX/XXXX. If I agree to continue paying I will have paid over {$100000.00} toward a {$13000.00} loan. I believe that they give you the run-around on purpose to keep you confused and paying. They threaten you constantly that if you do n't pay, they will ruine you financially. So I keep paying. However, because of how this has affected my credit over the years, it has caused me significant financial harm. When I call and ask why I was charged 100 % interest for a period of 10 years, all they will tell me is that the interest accrues daily. I have hours of audio and video evidence of them giving me the run-around, as they put very little in writting. What they are doing is a crime and they should be punished for this activity. | ||||||
| 12/04/2019 | Yes |
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| Since XX/XX/XXXX I have been paying on two Navient private loan accounts over the amount of {$200.00} each month. XX/XX/XXXX and XX/XX/XXXX Navient reported me 60 days pass due and dropped my credit score over 100 points both times. Each time I was told it was because it has been a year and I no longer qualified for the program. Prior to this happening, I received no warning or renegotiation phone call or email. Moving forward, I continued to pay on time payments, even after loosing my job only to receive another 60 day pass due payment in XX/XX/XXXX ( score dropped 53 more points ). I contacted Navient and ask them why did they report a 60 day pass due when I have a proof of payment on XX/XX/XXXX. They could not provide me with that answer. I continued to ask more questions about my loan and pay off only to find out that none of the money I had paid the last two years were going towards my loan. I then asked the representative where was the money being credited and she told me I was on a discounted program for people who can not afford to pay the full loan payments to avoid collections. At that point, I asked how much would I have to pay for the full payment towards my loan and she quoted me an amount that was less than {$50.00} more than the amount i was paying. At that point, I asked her to switch me to the program that actually pays on the loan. I made payment arrangements for the end of the month bc I get paid once a month at the end of the month. My next payment was taking out my account XX/XX/XXXX with no problem. In the month of XXXX, I noticed that Navient tried to withdraw the payment out my account XX/XX/XXXX, which was not the date that was discussed therefore it was rejected. I called Navient and ask them why was the payment pulled two days early and I was told they cant pull payments at the end of the month. It will have to be between XX/XX/XXXX - XX/XX/XXXX. I explained to the representative what was previously discussed and they told me there was nothing they can do. I then told her to just set the payments on the XXXX of the month. That way it will still be close to my pay period. The representative told me no, she was sorry she cant offer me that program anymore and that I will have to pay 3 months of on time payments before they can set me back on that program. In the meantime while I am paying the payments those 3 months they are going still report me late to the credit bureaus. I immediately ask to speak to the supervisor from then I requested an ombudsman. The ombudsman told me he will review the phone calls and let me know what was actually discussed. The ombudsman never returned my call. Instead he left a note in the account saying he tried to contact me but the phone number on file was incorrect. Even the representative that read his notes agreed that that was bogus reporting bc that was the number we were talking on and the same number I have had throughout the entirety of the loan. I then requested to get the audio calls as proof for myself and I was told that only an attorney can request it in the most condescending way. Of course they assumed that I would not be able to afford an attorney and will not fight this but they have destroyed my life. I have been denied for a teacher next door mortgage loan, I have also had a credit card that have been paid off for 3 months to close the account and completely damage my credit utilization on my credit that o worked so hard for. I refuse to pay them until they erase those late payments that I did not deserve. I am desperately in need of help. My score is going down each month and they know there is nothing I can do about it even if I make a payment. Navient is bullies people and they are not in business to help their clients and not mention the poor customer service. | ||||||
| 03/23/2015 | Yes |
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| In XXXX or XXXX, I attended XXXX University. I applied for financial aid but what I was to receive was not enough to cover the tuition for 2 years at XXXX. I took out a private student loan through XXXX XXXX that my mother co-signed for that was about {$9000.00}. I still had a balance of about {$7000.00} and I took out another private student loan but this was through the school itself to cover what financial aid and the first student loan did not cover. I have been fighting with XXXX XXXX for years to have them provide me with copies of my original loan documentation ( promisary note, monthly statements and loan information ) to no avail and it has been at least 10+ years and I have not received a single piece of paper proving anything. It has also been 15 - 16 years since I missed my XXXX payment ( making the original default date well past the 7 years that this can be kept on my credit report ) but XXXX XXXX keeps reporting a original default date of XXXX for a loan I took out back in XX/XX/XXXX/XX/XX/XXXX. I doubt this company would let me go 8-9 years on loan without reporting late payments. And even though I have repeatedly disputed this with all three credit bureau 's, somehow these loans come back verfied to their ( the credit bureau 's ) satisfaction so they are still on my credit report. This XXXX XXXX loan is scheduled to come off my credit report in XX/XX/XXXX, just like it was supposed to come off back in XX/XX/XXXX/XX/XX/XXXX but somehow was re-aged and now has been negatively reported on all three of my credit reports for 15-16 years. I also recently pulled my Experian and Equifax report and saw that XXXX has also placed this loan back on my credit report using the same original default date as XXXX XXXX, therefore also re-aging my account with them. I contacted XXXX back in XXXX of XXXX and requested all my original loan documentation from them ( promissary note, monthly statement and attendance ) and have not received a response from them. I do have federal sudent loans that are in good standing which were with XXXX XXXX and then were bought by the government when Obama took office and took the third party lenders out of the financial aid loop ( US department of education ) but all of those loans including the private loan through XXXX XXXX have been bought by Navient ( which is owned by XXXX XXXX, go figure ). I 'm tired of fighting this fight and I 'm told that although I requested this information from these XXXX comanies, they do not have a set time to respond with my documentation or to respond at all. And that is not fair, especially when we are given 30 days to dispute the validity of a debt from the time we receive the XXXX collection notice. I went to this school when I was young and bounced around quite a bit so that XXXX collection notice may not have even gotten to me but as I have grown older and am trying to be responsible and get my debts and credit in order, I am faced with this giant lender ( XXXX XXXX, now Navient ) not having to respond to my request in a timely manner. Especially when this is a debt that is almost as old as my XXXX child who is XXXX, so I am not mistaken about when I attended this school and took out these loans. My intentions were to pay back my loans but like a lot of people, I was unable to find a job in my field to do that. And when I maxed out my deferments with them because it was a private student loan, I had no choice but not to pay and get told that they would not work with me and just take me to court and sue me for the money. I was never served with any paperwork to go to court and if I had been sued, it is still well beyond 7 years of the original default date and I 'm still fighting this fight. Is this not illegal. Do I not have any recourse regarding this issue? Please help! | ||||||
| 09/07/2023 | Yes |
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| After over 10 years of having this loan I have not been able to make a dent. Back in 2014 my loan amount was {$230.00} and today it is {$720.00}. I have spoken to multiple reps and they have told me explicitly that there is not much they can do. My terms continue to change and have no recourse. I understand that Navient is permitted to call to collect a payment but they are not permitted to harass me with phone calls where I answer and no one is on the other line. Second, they should not call me when the state I am in is in a State of Emergency yet they do it anyway. The last thing on my mind when I am preparing for a Hurricane is to make a payment towards a loan that is impossible to pay without it affecting me. I made a payment and in the process was unable to pay my rent but they do not care. They practice predatory lending and have targeted me as prey. This is unconscionable. In XXXX the payments were in the $ XXXX and not it is up to {$700.00} plus for one loan. I've already paid over {$40000.00} to them, almost the total amount of my original loans yet I still have another {$72000.00} to pay them. They have changed the index that was used before, they do not offer any options for lowering my payment making it so unmanageable that I can't actually care for my child or myself. I have a variable interest rate that keeps going up and up and up and up and up. They knew exactly what they were doing and they took advantage of me. No degree on Earth goes up in value and definitely not mine. I have double digit interest rates and my accrued interest is more than twice the amount of my original loans. I can no longer afford to make my payments and they refuse to work with me. The worst part about it is that I have tried talking to them about it and they truly refuse to do anything. I draw the line when I have made my payments consistently, every single month until now, only to be harassed by phone where either they don't speak at all or call me during a state of emergency when I need to be caring for my XXXX XXXX XXXX baby. I have tried to do my part but they don't do theirs and my loan should be completely discharged as punishment for their predatory lending practices. They have a history and they are preying on me because my loan is private and they think they can get away with more because they are a large, XXXX dollar company and I am only one person. I get charged fees but they never tell me what those amounts are because they apparently can do whatever they want but if I don't make a payment on time I don't hear the end of it. I will be filing suit because this is not longer fair and is actually against the law. I also will attempt to go to the media local governments to see what other recourse I have because they can't get away with this. Especially not with people who try doing the right thing. They took advantage of me and have failed to follow the law accordingly. This is not the end and I will make sure that something is done about this because I should not have to be bothered with something like a payment for a loan over my rent during a state of emergency. I caution every single parent and student, be smart, do your research. They want you to follow the rules like good people do but they fail to follow the rules themselves that's why they are being sued already. The rules don't seem to apply to them. Just because I have a private student loan doesn't mean they can treat me however they want. I requested recordings of my conversations with them and they refused to provide them to me. They will never admit fault, though there are things their reps have recorded where they have given me inaccurate information. All of this is part of their plan to get over on people like me who are simply trying to live and take care of their children. | ||||||
| 09/03/2015 | Yes |
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| I have a number of private loans through Navient, and manage my account online. I used them when they were still XXXX XXXX, while attending a few schools in XXXX ( XXXX XXXX College, XXXX, XXXX, XXXX University, XXXXXXXX, but XXXX University, XXXX, XXXX ) as well as graduate school XXXX XXXX University, a completely online institution ). In the XX/XX/XXXX XXXX of my private loans was taken off the website. I should have called then but did not, and it was a few months before it showed back up, but it was under Federal Loans XXXX which are set at {$0.00} because of my IBR ). Since there was no explanation for the absence of the private loan and the appearance of this significantly higher federal loan, we began calling to find out what was going on. After a couple months of asking if it was still private or federal ( because if Private, why did the rate jump beyond the " interest only '' amount and if Federal, why is it not set to {$0.00} for the IBR ), in XX/XX/XXXX a representative admitted that this was a private loan, even though they moved it under the heading of Federal, and even though it was private, it had been taken out of the " interest only '' plan it was under previously. At this point they had played a shell-game over the location and type of loan, obstructed my inquiries, and removed it from any repayment plan without notifying me, multiplying the payments beyond what my husband and I could afford. It took until XX/XX/XXXX for a loan manager to give any explanation to us about what happened A YEAR EARLIER. By this time, even if Navient was willing to work with us, the amount had grown out of control, and they were STILL unwilling to help us, even though it all started with their action. They claimed to have options, but none of them could fit our tight budget, nor were they close to the prior " interest only '' plan. My husband and I tried to keep lines of communication open, but found no assistance on their end. In fact, their policy of changing loan managers for client accounts on a regular basis made it worse. One month we might talk with a very helpful person who tries to explain the situation to us and find resolution. However, the next person we speak with might be rude, unhelpful, and tell us different information than the previous person, making it impossible to get a clear story from them about what needs to happen with the loan. It is also very convenient that when we ask questions about the previous call, the notes typed into the record by the previous representative seem to miss any of the information we recall that would be helpful or pertinent to a resolution. The collections calls started in XX/XX/XXXX to my husband and parents ( my parents being co-signers XXXX. They frequently accuse us of not making any contact with them, when at times we have contacted them multiple times a month. They have bullied my parents into paying money neither we nor they have to give XXXX our family of XXXX is low enough in income all our federal loans are under IBR, we are XXXX recipients, and we are on food stamps, in spite of my husband 's efforts to find better employment for almost 2 years XXXX. In a recent call to my mother, they acted as if I have not been keeping any of my private loans current, which is a lie that can be proved through my online account access, and attempted to get all of the money from her. We have sought resolution only to be given repayment amounts that are far beyond our ability to pay, and one representative who kept twisting my husband 's words hung up on him. The worst part is the inconsistency whereby we have been told different stories, sometimes given promises or signs of hope, only to be made out as if we are criminals in later conversations, all stemming from actions they took over a year ago. | ||||||
| 11/07/2016 | Yes |
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| Navient, the loan service institution that manages my federal student loans has repeatedly moved my loan out of Income Based Repayment ( IBR ) status, using a variety of rationalizations and excuses, upon which interest becomes capitalized to principle, in a series of ledger entries. Since I entered into the IBR program three years ago, my account balance has INCREASED about {$7000.00} in a period of just 3 years due to capitalized interest, which is NOT supposed to happen while a loan is in IBR. I did not know I had to renew the application annually, thus I did not provide them with a form, which gave them the first opportunity to capitalize interest. Rather than inform me of this, and help me avoid this occurrence, they used stonewalling tactics and obfuscation, which strongly implies this was a deliberate action on their part. I also filed for bankruptcy in XXXX annual period, upon which they put the loans on " hold '' without notification to me, despite the fact the student loans were NOT part of the bankruptcy petition to the court to have debts discharged, thus NOT affected by the bankruptcy. Navient used this as another opportunity to capitalize interest. IBR loans are not supposed to be subject to interest capitalization, according to the XXXX : " If your monthly payment is less than the amount of interest that accrues, any unpaid interest is capitalized ( added to your loan principal balance ) IF you no longer qualify to make payments based on income or you leave the plan. '' I did NOT voluntarily leave the plan, and I have ALWAYS qualified for IBR, aside from not filling out a form I did n't know existed. They made NO attempt to prevent this by proactively informing me, and when I tried to get information from them about the status of my loan, and what had happened to it, they obfuscated and stonewalled, acting exactly like an aggressive, combative, non-communicative collection agency. They were not helpful, but antagonizing and did not explain their actions. All of this could have been easily avoided had they spent less time in " collections '' mode, and more time in " helpful '' mode. They could have saved themselves hours of harassing phone calls ( daily, even on weekends ) if they had simply tried to help me from the outset to avoid the change in status of the loan. My income had NOT gone up during this period, but actually went down. During this period of three years I 'd lost employment, lost my housing, and I was receiving unemployment benefits at XXXX point. All of the financial stress and threatening phone calls from various creditors caused XXXX, and great XXXX. Navient took advantage of this and acted without properly warning me of their impending actions. My situation was exploited. I also am concerned that the 25 year period to have the loan discharged gets reset each time they take the loan out of IBR status. I will be paying until I am XXXX, as it is, but if the 25 year period gets reset each time they change the status, I will be on my death bed paying this loan from a paltry social security income. Navient has also not followed through with repeated promises to send me the account ledger with explanations of all actions they have taken with my loan since its inception. They simply promise but do not follow through. This has been going on for months. At this juncture, I can only conclude the news reports I 've read about deliberate attempts to increase principle balances is happening to me. It is obviously an internal policy of Navient to aggressively use tactics to capitalize interest and/or find reasons to charge fees. They have done this in my case by frequently switching the loan out of IBR, using any excuse that comes along, rather than working with the borrower to serve the borrower 's interests. | ||||||
| 06/29/2018 | Yes |
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Web | Servicemember |
| Today, a bunch of faxed documents were given to me by a lady from my the payroll staff. ( It was right before we closed, so I forget her name. Please forgive me. ). I was very upset and immediately skeptical of the documents I received today because I am in repayment for my loans. I called this number and the agent refused to send me proof of this Order in a certified document or any identification. ( Agent number, supervisor, etc. ) I have XXXX called several times by reps form the XXXX XXXX although my debts are consolidated and repayment. They constantly call my work cell number after several requests to get them to stop. After this occurred, I took the documents after I called above and began to research the company via the Dept. of Education Website. I logged on to the XXXX Department of Education and was provided this number for XXXX. XXXX at tacy, Today, a bunch of faxed documents were given to me by a lady form the payroll staff. ( It was right before we closed, so I forget her name. Please forgive me. ). I was very upset and immediately skeptical of the documents I received today because I am in repayment for my loans. I called this number and the agent refused to send me proof of this Order in a certified document or any identification. ( Agent number, supervisor, etc. ) I logged on to the US Department of Education and was provided this number for XXXX. XXXX https : //studentaid.ed.govXXXXXXXX XXXX XXXX And spoke with XXXX XXXX with XXXX XXXX XXXX XXXX . She looked up my account via my social, name and number and found no information for my loans. She also tried to use the account number on this fax sheet and has no success. She also confirmed that the phone number on the top of the fax was not a XXXX XXXX XXXX XXXX number. There was also no XXXX XXXX Or XXXX XXXX on the staff. ( I am currently in repayment, so this did not surprise me. ) She advised I report this incident to the U.S. Department of Education which I have. When I called the Department of Education at XXXX, they did not have any information with my name with XXXX XXXX. ( As thy should not because I am currently in repayment and not with this agency. ) I am asking that you request proof of verification of my account with this company before proceeding with any garnishment. I Ian filing a complaint tonight. This is very concerning as my identity was compromised earlier this year. I am also reporting this incident to the FCC as well. I wanted you to have this official email before I do so, as this is not an authentic document. I will feel free to talk to you it is regard whenever you are able. https : //studentaid.ed.govXXXX XXXX XXXX And spoke with XXXX XXXX with XXXX XXXX XXXX XXXX XXXX She looked up my account via my social, name and number and found no information for my loans. She also tried to use the account number on this fax sheet and has no success. She also confirmed that the phone number on the top of the fax was not a XXXX XXXXXXXX XXXX XXXX number. There was also no XXXX XXXX Or XXXX XXXX on the staff. ( I am currently in repayment, so this did not surprise me. ) She advised I report this incident to the U.S. Department of Education which I have. When I called the Department of Education at XXXX, they did not have any information with my name with XXXX XXXX. ( As they should not because I am currently in repayment and not with this agency. ) I am asking that you request proof of verification of my account with this company before proceeding with any garnishment. I Ian filing a complaint tonight. This is very concerning as my identity was compromised earlier this year. I am now reporting this incident to the FCC as well. I have sent an email to my payroll supervisor as well to explain the misrepresentation by this company. XXXX XXXX | ||||||
| 03/03/2017 | Yes |
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| I got accepted and attempted to pursue an XXXX in XXXX of the best XXXX schools in XXXX ( in XXXX, consistently # XXXX through # XXXX in any list ) during the XX/XX/XXXX timeframe ( while being mostly unemployed since XX/XX/XXXX, and immediately after the dot-com implosion, when I was an XXXX in XXXX XXXX ). At that time, as a XXXX year-old XXXX/XXXX student in the US, I did not count with enough resources or savings nor held a steady job, though nevertheless, I applied to a combination of Federal and Private student loans to make it happen through XXXX. On the private side, I applied online and immediately got {$70000.00}, apparently based on a good credit score and a couple of personal references ( but again, without a job ). These only covered half of the XXXX program. Unfortunately, the financial crisis came through, starting in XX/XX/XXXX ( especially during the crash of XXXX 's real estate bubble ), and so I considered it responsible to stop borrowing an equal amount to finish the degree, until at least the situation became clearer and the jobs ' hemorrhage would stop. Since then, and after the grace period was over, I made payments to XXXX whenever possible, but the deepening of the financial crisis never allowed me to recover the same level of lost wages, nor I did qualify ( especially in my XXXX ) to do any XXXX work, even when I applied to literally hundreds of positions all over the country ( as the industry was also bleeding older XXXX and transformed itself into XXXX and XXXX ' positions ). Thus, during periods of unemployment, XXXX put me into deferment/forbearance or financial hardship right away, and after the years dragged on and real economic growth was unattainable, I had to face the fact that I needed to pursue something for which I would qualify for my age. So since XX/XX/XXXX, I am pursuing a career as a XXXX ( XXXX ) at a XXXX in XXXX, which today is well underway, despite the fact that I am XXXX yrs of age. Navient ( which apparently took over XXXX 's accounts ) told me out of nowhere and halfway into my present program, that I had consumed all of the available in-school and unemployment deferment time, and thus triggered the private loan into repayment, which accrues at {$500.00} a month. Since the rest of my current and older student loans are in-school deferment, and since I was a registered full-time student for the last three years, I do n't have any income to pay such an amount. I constantly receive delinquency warnings and calls from Navient ( every two hours, 3, 4, 5 times a day, from multiple locations, which are designed to interrupt my studies, ruin my focus and fill me with worries, as much as they possibly can ) and threats of becoming reported to the Consumer Reporting Agencies. Of course, I talked to them multiple times to seek relief and to pursue alternate ways to lower the payments. They also claim that are concerned with this delinquent account, and that 'they want to help ', but this is what I find deceiving, since they have not provided any alternatives, while claiming that my wife should make the payments ( when she never signed up any document/s, nor she would be able to afford them ), or that 'I should borrow the money ' to avoid delinquency, or simply : that " I should charge it to a credit card '', depending on who you talk to at Navient along the way. Apparently, you first need an income to qualify for income-repayment plans, and since I am still a full-time student, they wo n't accept the promise of future payments, when I would qualify for a job after graduation. XXXX or Navient never informed me ( in ten years! ) that other plans were available, such as 'interest only payments ', and other similar plans to reduce the debt overtime. Suddenly, payments went from {$300.00} to {$500.00}. | ||||||
| 01/19/2017 | Yes |
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| On XX/XX/XXXX, I submitted a letter specifying the specific way in which I would like to apply any payments greater than the minimum amount due. The document attached outlines an approach called the " Snowball '' and " Avalanche '' methods. I received a message from Navient stating that I would have to re-submit these instructions each time I made a payment on my student loan in excess of the minimum payments for each loan line item. Due to the note stating that I would need to re-submit my letter with any excess payments, I called customer service to see if there was an easier way to accomplish this. XX/XX/XXXX, I paid off the XXXX loan line item in its entirety and asked a customer service representative to help me accomplish the following : A. Apply the former minimum payment that I had been paying for XXXX to loan line item XXXX. B. Increase my monthly payment from X to Y. C. Ensure that the additional monthly payment was applied specifically to loan line item XXXX. I was told this would not be a problem after a long conversation explaining precisely how I would like the increases to be applied and referenced the letter attached. XX/XX/XXXX, I called again because my monthly payment for XX/XX/XXXX had decreased despite discussing an increase with the Customer Service Representative at the beginning of XXXX. The Representative explained that these changes take time to process and assured me that I would see these changes on my XX/XX/XXXX statement. After this Customer Service Representative also confirmed that everything was fine and would proceed as planned, I saw the correct amount deducted and was re-assured. I was n't aware that Navient was applying my excess payments across all of my loan line items. For the past 6 months, the additional payment that should have been applied to line item XXXX was not and was split across the entirety of my loan. XX/XX/XXXX, I realized this was the case and called customer service the next morning. I spent an hour and four minutes on the phone with a representative to be told that I can not apply automated extra payments to a specific line item, in direct contradiction with what I was told by XXXX individuals on the phone in XX/XX/XXXX and XX/XX/XXXX. They also said that there was no way to " reallocate '' or " redistribute '' the excess payments that had been incorrectly applied across all of my loans to the correct loan ( XXXX ) without marking my account as " Past Due. '' When I asked them why the representatives I had spoken with XX/XX/XXXX had not notified me that what I had requested was something they could not accommodate, they had no answer other than to check permissions on my profile. Finally, when I asked them why I can not be in control of how my money is allocated they were unable to provide an answer other than, " You are paying down the principle and making headway on your loan - you 're in good shape. '' This is not the point at all - there is a better, more proactive, solution to eradicating my debt and I am being barred from it. At this point I am frustrated and have spent several hours on the phone with customer service to no avail. I have been proactive in paying off my debt and have prioritized eradicating my high interest debt first. While I understand that Navient is a business, erecting barriers to ensure that students remain in debt longer is predatory. Most students will not make a simple phone call to ensure their debt is paid off logically, but for those who do Navient should be able to accommodate them. Being told that opting into an automated monthly payment means that I can not specify how excess payments are applied is unacceptable. It leaves me wondering if the practices and principles that caused XXXX XXXX to re-brand as Navient are still in practice. | ||||||
| 07/17/2016 | Yes |
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Web | Older American |
| I grew tired of trying to deal directly with the credit bureaus. At one point, I found one error ( one of many ) on XXXX credit bureau report, got that corrected, and a month later the exact same error appeared on another credit bureau report where it had n't been there before. Whomever I spoke with, I asked where they get their information. The quite young man I spoke with told me sometimes they call the other credit bureaus and get their information that way. Is that legal.? My main complaints, however, include the fact that XXXX of the XXXX credit bureaus have me listed as having lived at a former address that is actually the address of a former creditor of mine. This should be quite obvious since the address is listed in XXXX Texas, on XXXX XXXX, at XXXX XXXX. It is obviously a commercially zoned address, but that does n't seem to matter. Other issues include items listed on my report that have been paid in full in previous years, and XXXX other issue includes an argument I am having with XXXX credit bureaus over a somewhat complicated issue. In this case, the creditor in question, Navient, provided me with paperwork to submit to their insurance company to let the insurance company determine whether or not in its eyes, I was indeed XXXX enough not to have further responsibility for the remaining loan amount. Understand that due to my XXXX, I have been on total, XXXX per Social Security since XXXX, XXXX. Now I understand that just because Social Security feels a person is totally, XXXX, this does not mean that the Dept of Ed or any private student loan lender has to agree with Social Security 's XXXX status. But the Dept of Ed discharged all of my Federal student loans due to my XXXX, and Navient 's insurance company, XXXX, also agreed that I was too XXXX to have further responsibility for the outstanding loan debt. Even so, XXXX told me they would report their XXXX decision to Navient, but that it was still up to Navient to make a final decision as to whether or not to release me from further debt responsibility on the private student loans I had with them. Navient did determine to release me from all further responsibility for the remaining debt, making my co-signer, my husband, solely responsible for the outstanding student loan debt on my account ( like that 's going to give me and my husband any financial relief! ). Anyway, my husband has been making the Navient loan payments since about XXXX, XXXX, yet Navient has still not removed this debt from my credit report. It looks, on my credit report, as if I, too, am still responsible for some {$40000.00} in Navient debt. I have written to them about this error. XXXX XXXX, XXXX has written to Navient about this error, and yet Navient just keeps on sending back " form '' letters stating their records are correct, and yes, the Navient debt will remain on my credit report. WHY? I have absolutely NO further responsibility for this debt. None. And with the added outstanding Navient debt listed on my credit report, it appears as if I am some $ XXXX in debt, if the Navient debt is included, which in my opinion it should not be. Credit bureaus, having absolutely no oversight, do not perform periodic audits, to the best of my knowledge, and who will flat out tell you they do not verify what they document on a person 's credit report have a level of what I see as undue power NO companies should have. Just because they " say so '' they have the power to decide what neighborhood you are able to live in, what job you can have, what kind of car you can drive, and so much more! Credit bureaus, without ANY oversight, have complete ability to wrongly determine your entire quality of life, all on their unverified " say so. '' Please do something for me and all Americans. Thank you. | ||||||
| 05/31/2023 | Yes |
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| Navient is claiming that I have declined repayment options. This is innaccurate and not true. I called Navient on Friday, XX/XX/XXXX and multiple times I explained to the two separate agents that I was wanting to move forward and explore my repayment options. The first agent, XXXX, declined to answer specifics about what they needed from me to bring the account current. Instead, XXXX started the conversation by laughing and behaving unprofessionally. When I asked again what my repayment options were, he asked to put me on a brief hold. A second agent, XXXX XXXX, came back on the line. XXXX gave me XXXXwo repayment options, but would not go into detail of what the future steps were. I simply stated to XXXX XXXX that I did not have the capacity to make a payment that day ( XX/XX/XXXX ) and she then began interrupting me and stating I had until XX/XX/XXXX to make a payment, repeatedly called me irresponsible, and also acted in an unprofessional manner and would not allow me to speak. She then ended the call by stating she would update my account and that I was refusing to make payment. As a result of that call, I made my initial complaint with the CFBP ( XXXX ) and this was the response to that complaint below : Thank you for reaching out to the CFPB with your concerns regarding your student loan account. We have reviewed your phone call with our Representatives on XX/XX/XXXX. While we understand your frustration, please note that the account was delinquent, and attempts were made to prevent delinquency escalation. Our review confirms that you were offered a roll back payment of {$490.00} and Hardship Forbearance that required a good faith payment in the amount of {$150.00}, but you declined these options. Unlike federal student loans, private student loan options vary by lender, loan program, and loan agreement. Some private loan repayment programs may be described in your loan agreements. Additional options may also be available at the lenders discretion. Options for private loans may include repayment programs, deferments and/or forbearance. Loan forgiveness and discharge may also be available for borrowers and families in the event of disability, loss of life, and certain other circumstances. We know financial challenges can come up unexpectedly, and we want to help you stay on track with your repayment schedule. Please give us a call if your situation should change. I did not refuse to make a payment. In fact, I have made a payment on XX/XX/XXXX in the amount of {$500.00}. Navient continues to not address my questions, complaints or concerns. Now they are inaccurately updating my account as a declining to pursue repayment options. The call on Friday XX/XX/XXXX was recorded, per Navient. Nowhere did I state or intend to convey that I was refusing to make payment. I simply was trying to reiterate that I could not make any payment on Friday XXXX and wanted to explore other options. Additionally, the response says that other repayment options may be available, but Navient will not take the time to discuss the options. In the recorded call on XXXX I was quickly given two options and told a payment must be made that day or by XX/XX/XXXX. No further information or additional options were given. I did not refuse to make payment, but I did reiterate multiple times that I could not entertain either of those options on the day of XXXX and needed more time. XXXX refused to provide any additional information or repayment options. Therefore, the response on the initial complaint is inaccurate as it relates to repayment options and them falsely stating I declined to make a payment. Navient 's inability and refusal to speak with me on this account followed by an inaccurate response to my initial complaint really needs to be looked at. | ||||||
| 11/18/2015 | Yes |
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| Between the period of XXXX 2014 - XXXX 2014 I was enrolled in the Rate Reduction Program XXXX. I was making {$580.00} payments XXXX every month from my checking account, I have the statements to prove this. Despite this, every month I would get harassed by XXXX debt collectors telling me I was delinquent. When I provided documentation, they would always agree I was making payments, and then would assure me with 100 % certainty I am fine. They said the only reason they were harassing me is because they need to see ( 6 ) months of payment. Until then, they said, the account would remain delinquent. I, like a fool, believed this ( so did my co-signer Aunt, an XXXX executive, we were assured constantly ). Come XXXX, I got a threatening phone call from an " upper level collections agent '' XXXX telling me my account was some 200 days past due, and that everything had been reported to a credit bureau, and that I needed to pay up immediately the thousands I owed. When I once again proved my account was being paid every single month, she concluded I must have accidentally been removed from the program XX/XX/XXXX due to a processing error, never informed, and that none of my payments have counted for anything. After several phone calls with upper level management, I proved my case was correct. It was no small task, because at every level they accuse you of being a liar. The eventually brought my account current and reduced my payments to $ XXXX/mo. However, when I inquired about the restoration of my credit, they said they were powerless. I would have to send my information to their " credit bureau '' ( literally another department XXXX ) to be confirmed. After the experience I 've had, I just ca n't trust that organization will act independently. I admittedly am a slightly unorganized, but driven XXXX year old. I do n't have the records I should to really prove my case, I only have my bank statements and the phone records they record. Unfortunately, this poor credit has now affected my housing. I do not qualify to live in the cheapest apartment I can find. They have tarnished my reputation, and it 's bleeding into every other aspect of my life. I can not afford for their " independent investigation '' to not tell the truth. In my recent attempts to collect a simple letter from them, proving my innocence to my potential landlord, they refused. XXXX XXXX was the chief perpetrator of this, and now it 's Navient. Navient 's records supposedly show that I was simply a delinquent payer from XXXX 2014 - XXXX 2014. When I explained to them I have already been apologized to for this entire incident, and that he needs to check his notes, he simply said I was not telling the truth. His words were " we 'll have to agree to disagree on whether or not you actually made any payments ''. This was the Supervisor, XXXX XXXX, of the Rate Reduction Department. At a deeper level, I ca n't continued to be treated like some free-loading criminal, ignorant of finance, blind to obligation, and devoid of responsibility. That is how they treat you, like an absolute fool who does n't want to pay your bill. XXXX/Navient suffers from mismanagement, a lack internal communication, and poor corporate ethics. I ca n't explain to you how much conflicting information I 've received from this company over the years, or how many times I 've been threatened on the phone. It 's despicable, destabilizing to an entire generation, and ultimately has had an enormous impact on my young financial life. There is no option to finance a car, to get a decent apartment, and the thought of purchasing a home is absolutely laughable in the next 20 years. Please help me navigate these tumultuous financial waters. There 's sharks everywhere. Thanks so much for your consideration | ||||||
| 10/01/2015 | Yes |
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| I have a personal student loan through Navient ( previously XXXX XXXX ). I took out a loan for my XXXX degree at XXXX XXXX University at XXXX XXXX, XXXX. The total original amount of the loan was {$50000.00}. I started making payments after graduation in XX/XX/XXXX and was charged an additional capitalized interest for the amount of {$8800.00} at the time I started repayment. I then went to grad school at XXXX XXXX University in XXXX starting in XXXX and was put in automatic deferment. I tried multiple times to make payments, but that required faxing in a request to go out of deferment. After a few months, I would then be able to make payments, but then starting the next semester I would be put back in automatic deferment until I graduated with a XXXX in XX/XX/XXXX. During this period I was charged an additional {$5900.00} in capitalized interest. Over the course of obtaining a XXXX and XXXX degree, Navient charged me {$14000.00} in capitalized interest. To date I have paid {$57000.00} to Navient on my original debt of {$50000.00}. The total amount is over XXXX separate loans with an interest rate of 4 % and less. Based on Navients calculations I have paid {$32000.00} in principle over 11 years and {$25000.00} in interest. Navient has calculated that I still owe {$32000.00} in principle and continues to charge accrued interest of {$100.00} per month. My most recent monthly payment was for {$530.00} and 24 % of that payment is applied to interest. In total I have made 113 monthly payments averaging {$510.00}, which is less than the 132 payments that would have taken place if the automatic deferment system Navient was n't used to charge me additional capitalized interest. I will end up making another 81 payments over the next 6 years to pay off the remaining principle and pay an additional {$10000.00} in interest. That would take my final payment amount on {$50000.00} in student debt to {$100000.00}. That would include payments totaling {$36000.00} in interest, {$14000.00} in capitalized interest, and {$50000.00} in principle. As far as the total interest payment amounts, if I was to take a loan at 4 % on the {$50000.00} I should only expect to pay {$10000.00} in total interest over a 10 year term or {$16000.00} on a 15 year term. Again, I have already paid ( according to Navient ) {$25000.00} in interest over 113 payments on an original debt of {$50000.00}. Even including capitalized interest if I had a flat 4 % debt on the {$65000.00} I should only have paid {$20000.00} in interest over 14 years! I have already paid {$25000.00} interest in less than 10 years of payments at loans ranging from 3.5 % to 4 %. My payment average over the 113 payments of {$510.00} should have my original debt paid off at 120 payments with a total interest of {$10000.00}. Including the capitalized interest my debt should be paid off in 166 payments with a total interest of {$19000.00}. To summarize, by XX/XX/XXXX I will have paid Navient {$100000.00} over 17 years on an original student debt amount of {$50000.00} with a interest rates on XXXX loans of 4 %, 4 %, 4 %, 3.5 %, 3.75 %, and 3.75 %. I was charged {$14000.00} in capitalized interest and have already paid {$25000.00} in interest according to Navient. In total I have made 113 monthly payments amounting to {$57000.00}. Navient took advantage of my attending XXXX XXXX to put me in deferment to increase the amount of capitalized interest on my loans, making it hard to enact payments on my loans at that time. The continual accrual of interest is not in line with the original loan amount and will end up being double the amount of the original loan amount at the time of scheduled repayment. I feel this lending practice of continual interest payments that inflate the total amount paid is predatory. | ||||||
| 02/07/2017 | Yes |
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| During many attempts to file for Income-Driven repayment options with Navient I was told unhelpful, confusing and false information. The most recent experience occurred in XX/XX/XXXX in which I was following up with my XXXX application due to experiencing a financial hardship after having a child and being on XXXX for XXXX weeks. I submitted several documents, including an outline of what each of the documents entailed to demonstrate a change in income from XX/XX/XXXX from mine and my husband 's taxable sources. When I called after XXXX weeks I was told that everything was good to go, they were just waiting on the final decision. A few days later I had been denied for my request and was informed that my payments would be approximately XXXX. When I called to dispute this, the person informed me that they discovered an error in their calculations of our income documents ( an error of over XXXX being added to our income yet not accounted for by what was submitted ). This simple math error on Navient 's behalf was discovered in the course of a phone call and a matter of minutes. However, when I asked that the error be corrected to accurately reflect our income and that my monthly payments be lowered to reflect this new amount, I was told that I would have to re-submit an entire application with all of the supporting documents. I asked several times if there was any possible way to simply correct this error that was not made by me, the consumer but by their data entry individuals and I was told a resounding no, and that the only way to correct the error would be to resubmit. As a new mother and full-time worker, it is not easy to pour over these documents, make copies, fax/prepare and send all of this over during working hours. I asked what I would have to do in the event that I refused to resubmit an application that they misinterpreted. They explained that my only option was to enter into forbearance or to pay the {$2700.00}. I disagreed with this, asking whether they would be covering the interest that would likely accummulate as a result of forbearance. They of course stated that this was not their responsibility and that I would continue to be responsible to pay the amount unless an entire application was re-submitted. Over the next few weeks/months I began getting emails and phone calls pertaining to my loan, warning that if I did not begin making the $ XXXX payment that my loan would be going into default. I was attempting to wait until filing my XXXX taxes as I was left frustrated and angry about being requested to submit supporting documents and then these very documents were mis-read and led to a wrongful decision on my XXXX plan. I had hoped to file taxes so that I could provide something simpler for them to interpret with their decision making. In the wake of getting several harrassing phone calls, I decided to bite the bullet and reached out to Navient again in XX/XX/XXXX. I was told that there was no need to submit any additional documents/another application and I was eligible for an extended plan that would drop my payments to a reasonable $ XXXX. When I explored why this was not offered to me as a viable option in XX/XX/XXXX, I was told, " We are trained to only promote the XXXX plans and not these extended plans ''. I felt angry and disheartened at going through hours of headaches, no answers, risking defaulting on my loan only to be told that they could have very easily and simply solved my problem but chose not to. I have tried to refinance my loan with XXXX other carriers as I do not want to nor feel comfortable with Navient handling my loan servicing but learned that due to my debt/income ratio ( the other servicers would only let me list my income not my joint income with husband ) I would not be able to do so. | ||||||
| 12/21/2022 | Yes |
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| I have been in process of trying to get credit under the PSLF waiver for prior employment since the waiver process opened. I submitted an XXXX to XXXX in XXXXXXXX XXXX XXXXXXXX to cover a time period from XX/XX/XXXX ( I started prior, but understand the program started then ) until approx XX/XX/XXXX. XXXX acknowledged receipt in approximately XXXX XXXX XXXX, it was never processed. I wrote them an email in XX/XX/XXXX about it being processed and when would I see the update and got a form response that did not address the issue and told me to call XXXX if I had more questions. My loans were transferred to XXXX this past summer XXXX, and acknowledgment of this form happened in XXXX XXXX of XXXX. It still has not been processed and I don't know if it is because my record on Dept of Ed website shows I was in deferment during this period when I was on a standard repayment type plan ( I did not know about Direct Loans and IDR at this time and was not informed ) The Student Aid. gov website shows me in Deferment from XX/XX/XXXX until XX/XX/XXXX. I know I was making regular payments during the time I worked at the University and I think for a while afterwards but I know I did not have qualifying employment because I was laid off in XXXXXXXX XXXX XXXXXXXX. When I spoke with Student Aid in early XX/XX/XXXX, they said I had to contact my servicer at the time to get this corrected. I contacted Navient today XX/XX/XXXX ( Sallie Mae is not even listed as a servicer in my account and I was part of the split in XXXX ) and Navient said my payment data did not get sent over with the conversion on XX/XX/XXXX from Sallie Mae, and they said I had to contact Sallie Mae. I contacted Sallie Mae also today XX/XX/XXXX and they said all the data was sent to Navient and they no longer had any record of my account or making payments and it is lost if Navient doesn't have it and nothing can be done. I am hoping my XXXX form goes through due to the waiver, but this is an unfair burden on borrowers. I kept all my check stubs and bank statements per standard record keeping guidelines and no longer have those 12 years later, however I can purchase past statements ( again an unfair burden on borrowers to have to do this research and pay more for what should have been recorded ). Like many borrowers who were not steered properly with the PSLF, there is a real fear of not getting credit because the loan servicers did not keep their records accurately. What is a borrower supposed to do when the records no longer exist to ensure credit. Additionally, the 30 hours being full time being arbitrary to depend on the eligible employer definition of full time is also unfair. It means one person only would have to have one job, while someone else has to go find an eligible employer and work a minimum of one hour a week to qualify as " full time ''. I had one employer who has no record of the time when I worked over 30 hours a week, but were not sure they would have considered that full time or not so would not fill in the form, causing me to lose more potential credit. I recently had to leave full time eligible employment in XX/XX/XXXX due to ongoing pandemic related child care issues and lack of flexibility with my former employer and now work somewhere where I have to find a second part time job to meet this " full time employment '' requirement. It's an added predominantly gender based flaw to the system where our forgiveness as a parent ( predominantly women ) is taking a hit on our long term earning potential, and ability for loan forgiveness and reducing our debt to income ratio for those of us who have chosen public service as a career. The rules should be adjusted so 30 hours is full time regardless of employer definition. Thank you for your time. | ||||||
| 06/22/2015 | Yes |
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| I have been harassed by Navient formerly XXXX XXXX on a recently defaulted loan. I am being called on my cell phone and at my work place after advising an account representative to only use my cell phone number provider. I first contacted Navient on XXXX XXXX to provide them with information regarding repayment. The representative advised my account manager was on lunch and that I should try withdrawing funds from a XXXX or borrowing the money from relatives. I found this to be very strange since she could not actually assist with my account. I advised her I was at work and would call back on Monday XXXX XXXX since the office was only open until XXXX that day. I also advised her and verified my cell phone number was the only number I was to be contacted on since I can not take personal calls at work and never gave out my work phone number. She said she noted the account and I would only be contacted at the number I provided. 30 Minutes later I received another call on my cell phone from my account manager asking to call him back and that my work place was contacted. Once again I already told the rep I spoke with I was at work and would not be off until XXXX when their office closed. On Monday XXXX XXXX I received a phone call to my cell phone and another call to my work place advising to call back and that Navient was returning a voice mail I placed. I never placed a voicemail and had specifically told the rep my cell phone number was the only number to call and I would be calling in after work. I immediately called back to speak to my account manager. I started by asking did he see the note to not call my employer work number since I can not receive personal calls there. He went on to say he saw no note and that he could not get a hold of me so he went to that method. I advised that I never gave Navient that phone number and my company has many different departments and numbers and to not use that number. He then stated since I was hiding so he had no choice and this is how he got me to call back. I advised I was not hiding but at work and preferred for Navient to not use an employer number I never provided. I then asked to speak to someone else revolving my account because I did not like the aggressive tone the account manager was using. He made no efforts to rectify the situation and persisted on threatening to send paperwork to my employer to garnish wages in 5 days. I never spoken to anyone regarding my options before this would take place even if it was possible so felt he was not being truthful. Reluctantly I was transferred to another gentleman who was not much help either. I asked him if he could go back and listen to the call with the account manager because I felt the information I got was incorrect. He too disregarded that question and advised I needed to settle this immediately. I advised I had not reviewed my options with anyone so I did n't know the options and why I was speaking to him. He went on to give me the options which I said was not feasible currently. He then told me I did n't even try and was unwilling to make an effort and that I should withdraw from my XXXX information I gave my account manager. I advised I never gave my account manager any XXXX information but only spoke with a rep who advised if I had one that would be a option. He then persisted on telling me I need to borrow money from family or friends and I 'd be suprised on how many people may help. I advised I could not come up with that money and needed another option. He then replied I 'm not making any money off this account and could care less what I did. The conversation ended with no resolution. I 'm asking for help because I know myself or my family can not come up with that amount of money and would like to be put on a reasonable plan. | ||||||
| 11/27/2017 | Yes |
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| Although I have never been late on a payment with Navient since they have become my loan provider they are reporting several late payments that I was told would be removed from my credit report by the department of education once I completed rehabilitation and my loan was sold to the next servicer which is now Naviet. Every time I call and inquire about their removal the representative says they can not removed late payments once they are reported. My last call to Navient about this was today on XX/XX/XXXX at XXXX. Again I was told by the agent their is n't anything they can do. I asked for an email or address to the CEO or administrative offices that I could write a letter to and was told their was no email or address they could provide. I also told the representative today that I noticed that Navient reports increase and decreases on my loan monthly to the credit bureaus that drastically affect my credit score. I asked the agent why are they reporting my loans like this especially considering they are in deferment. Her response was " I do n't know '' ... well shoot I do n't know why either and we both ca n't not know why!!! At this point Navients fraudulent and inaccurate reporting of my loans are causing me to experience difficulty acquiring credit. I would like for them to remove the loan and the late payments from my credit report completely. There are also three ( 3 ) collection items being reported on my credit profile that do not belong to me. Two of the collections are listed by the same agency XXXX XXXX. The original creditor XXXX XXXX is reporting one account opened on XX/XX/XXXX and the second account opened on XX/XX/XXXX. How is it possible for me to have cable services at two different locations? These are not my accounts. The third collection with XXXX I have no association with as well. It is not and was not my account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that these companies provide me with competent evidence that I have any legal obligation to pay them. I know these are not my accounts! Please provide me with the following : What the money you say we owe is for? Explain and show us how you calculated what you say I owe? Provide me with copies of any papers that show I agreed to pay what you say I owe. Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove that the Statute of Limitations has not expired on this account. Show me that you are licensed to collect in my state. Provide us with your license numbers and Registered Agent. I am aware of my rights. As such, under Section 809 ( b ) collection efforts must cease until verification is obtained- including pursuing this debt through an authorized representative to collect on this alleged debt. XXXX XXXX {$130.00} XXXX XXXX {$130.00} XXXX XXXX {$63.00} Thank You, XXXX XXXX | ||||||
| 02/13/2017 | Yes |
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| RE : XXXX coverage of Student Loans and Navient behaviors and activity I was XXXX years old when I decided to move directly past my XXXX year of high school and apply to the XXXX of XXXX. That was in XX/XX/XXXX. I applied to a handful of XXXX and was accepted by XXXX, but XXXX offered an almost immediate acceptance as well as a modest scholarship. I soon applied for student loans to cover the wide gap between my scholarship and the rest of tuition, filling out my FAFSA. My father, XXXX also filled out FAFSA and consented to co-sign for the initial school loan for an education that would assist in my goal of working as a professional XXXX with a background in XXXX. During all encounters in the loan process with the Financial Aid office at XXXX, the financial assistance counselor - XXXX XXXX - spoke to be about my " scholarship '' from XXXX as credit against tuition, which was a fraction of the annual tuition of roughly {$22000.00}. With the scholarship talk done, XXXX XXXX never : -- Never mentioned any differences between a government-underwritten loan, i.e. XXXX XXXX, with a decent interest rate. -- Never discussed interest rates, and what repayment procedures would be. -- Never discussed a difference between private loans, bank loans, federal student loans. -- Never informed me that " grants '' disbursed by XXXX were, in fact, new loans for which I would be held completely responsible. I have spent more time than I would wish or consider wise in forbearance arrangements - either during periods of unemployment following the XX/XX/XXXX economic crash, or periods when I was not financially able to make a loan payment without crashing my rent and deferring on basic needs, such as groceries and medical care. At the same time, Navient came after me - and my father who co-signed on the original loan. Navient pursued its collection claims with continuous rounds of telephone calls, sometimes when I was at work ( I have achieved employment in my profession, but still lack a college degree because of Navient and XXXX loan practices ). My father also received a cascade of daily, and sometimes hourly phone calls, either to track me down, or to dun him for payments they described as overdue that would be used to report him to credit reporting agencies, as well as myself. The calls came during working hours, and also during the late evening hours when law prescribes that as illegal collections activity. I attempted starts to payment programs that, if terms were fulfilled, would release my father from his status as co-signer, but I also have read, and understand, that Navient, rarely, if ever, releases a co-signer. The XXXX of XXXX will not release my college transcripts for review by other institutions, saying I am several XXXX dollars in arrears to them, but the terms of those arrears have never been outlined or explained. XXXX, the same financial assistance officer at XXXX, also has said my records can not be found. Initially, I am asking that my name - and my father 's name - XXXX, and XXXX - be added to the " Class '' in the lawsuit against Navient. However, we also are considering our own legal response. I would also like to add my name and voice to the list of student loan borrowers. It is my reasonable person 's opinion that I was enticed, while still a teenager - and never explained adequately the nature of the commitment I was making, while also assigning co-signer status to my father. In awarding me so-called " grants, '' and never explaining that it was an additional repayment obligation - and in appending my father 's name as co-signer on debts and obligations that he was never copied in on or had a chance to review - that this reinforces the pattern of fraudulent dealing assigned to Navient. XXXX, XXXX, co-signer | ||||||
| 03/22/2017 | Yes |
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| I started my loan consolidation with XXXX XXXX in XXXX with a loan balance of {$74000.00}. At this time, I had just finished XXXX school and was hired as a full-time XXXX. I was on a reasonable and affordable payment plan of {$220.00} and paid that amount until XXXX XXXX when my amount decreased to {$210.00}. In XXXX XXXX, I contacted XXXX XXXX to see if there was a way for me to get a lower payment because I had just gone through a divorce and was filing bankruptcy. They told me that my best option was to file for forbearance, which I did. I was in forbearance for financial hardship off and on from XXXX XXXX to XXXX XXXX. During this time XXXX XXXX XXXX to XXXX XXXX XXXX, I made ten payments totaling {$3300.00}. In XXXX XXXX, I resumed my payments under an Income-Driven Repayment Plan ( IDRP ), suggested by Navient ( who had just taken over XXXX XXXX ). This process was long and tedious, but eventually I was approved. Navient did not tell me at the time that I would have to reapply every year. My new payments were {$140.00} and were very manageable for a single mother. I continued to pay these payments from XXXX XXXX - XXXX XXXX. I received a notice in XXXX XXXX that my IDRP was about to expire and I was going to need to reapply. Again, I was not aware this was going to be part of the process. I was encouraged to apply for a temporary forbearance while I waited to be approved for the IDRP to be approved as my payments were going to be around {$800.00} and I informed them we simply could not afford this. I also told them I did n't want to go in forbearance again because of the interest. They were very pushy and seemed annoyed that I still wanted to apply for the IDRP and not just file for forbearance. We ended up paying the first regular payment and I was approved for the IDRP. However, I was informed that since I had remarried in XXXX XXXX and was in a higher tax bracket that my new payment was going to be {$780.00}! Basically, I would save {$20.00} with the plan. It was simply ridiculous. I later came to learn that with the IDRP that there is no " end game '' per say on payments. They informed me that these payments could last for 25-30 years and at that point if there is still a balance the Federal Government may at that point decide to forgive the loan ( again ridiculous ). Navient again tried to talk me into a forbearance, which I refused. I told them I wanted a plan that gave me a reasonable monthly payment amount, was paying off some of my principal, and gave me an end payment date because none of these other plans had done that. Finally, after days of going back and forth and getting the " run around, '' we came to an agreement that did n't end in forbearance. Navient never seemed to want to work with me to help me have a smaller payment. They just seemed to want to do what was " easier '' for them and ultimately made them more money. It was infuriating to say the least. I have paid out {$21000.00} on a loan starting at {$74000.00} as of XXXX/XXXX/XXXX and as of XXXX/XXXX/XXXX my loan balance was {$79000.00} which is {$5400.00} more than when I started making payments ten years ago. It 's frustrating. If nothing else, I would like that amount {$21000.00} taken off my principal, if not more. This entire process has been a nightmare from the start. Navient XXXX XXXX XXXX XXXX is not in the business of helping the consumer. They are in the business of helping themselves. Too many people have been financially abused, taken advantage of, and ruined by this system. Please put an end to this legalized loan sharking. I would appreciate an immediate response to this complaint and I would like action to be taken against Navient. I believe they are involved in illegal loan practicing and should be put out of business. | ||||||
| 07/10/2015 | Yes |
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| I am currently signed up for monthly automatic withdrawals with Navient ( XXXX XXXX ). I am on the final month of this year-long " contract '' to do this. I have experienced XXXX issues during this time. 1. ) Every month, there is XXXX private loan that does not get taken care of by the automatic payments, though it should. I 've called and asked about this issue, and was told " it would be taken care of next month ''. It never was, and as a result, I 've been charged late fees a number of times because it was n't paid automatically with the rest of the loans ( I have a lot ), and I 've been called about it many times as well. 2. ) I signed up for the auto payments last year, and the as I mentioned earlier, the year-long " contract '' will end this month. When the new year came, for some reason the automatic payments stopped. I checked my bank account and nothing was withdrawn, which was odd, because it was withdrawn during the previous months. I was never contacted about this and waited a couple weeks to see if it would go through. It never did. I finally called in myself and asked what was up, and was told that not only did I have to pay the missed month, but I also had late fees to pay. They had absolutely no reason to give as to why the auto payments were stopped, nor was I ever notified about it previously. I could understand if my credit card was n't working or something along those lines, but everything was fine and dandy on my end, both before the new year, and after. I had XXXX issues with my card, and my bank account had plenty of money to make the payments. The payments were automatic each month! I did n't have to do anything on my end, so why did this end, and why did I have to pay more?! 3. ) This relates to issue number 1 above - Last month, before my automatic payment was due ( and after I just paid XXXX ), I was called XXXX times by Navient. XXXX times!! And this was in a two week period!!! I mean wtf?! There was no reason at all for all of these calls. I have screenshots and the calls shown on my phone still as proof. Completely ridiculous. When I finally called them when I had the time ( I was working a TON of OT at work during those weeks ) for a different reason, I asked about these calls as well. The lady ( once I actually got to a human ) said that " they should not have called you, let alone that many times ''. Noooo, really?? -- - This calling craziness has happened a number of times before in the past. I just did n't know about this website to complain about it. Here is a listing of the numbers that called me, and the dates and amount of times they called : ( XXXX ) XXXX -- XXXX, IN ( XXXX ) XXXX -- IN, XXXX - 7 callsXXXX/XXXX - 7 callsXXXX/XXXX - XXXX callsXXXX/XXXX - 6 callsXXXX/XXXX - 3 callsXXXX/XXXX - 4 callsXXXX/XXXX - 3 callsXXXX/XXXX - 7 callsXXXX/XXXX - 7 callsXXXX/XXXX - 7 callsXXXX/XXXX - 5 callsXXXX/XXXX - 1 callXXXX/XXXX - 2 callsXXXX/XXXX - 3 callsXXXX/XXXX - 2 callsXXXX/XXXX - 4 callsAdding a XXXX issue ... 4. ) On Navient 's website, the last date of payment for your loans is not listed anywhere. If you want to see how much time you have left on your loans, you have to call Navient and ask. This is very inconvenient since you have to wait on hold forever to speak with someone, if during that time you do n't get hung up on. All information on your loans should be available online. Navient 's website is fairly primitive and quite confusing. This is 2015, right? Navient/XXXX is making a killing off of students. I 'm sure they have enough money to invest in a website. I have XXXX loans with them ( I know, XXXX ). I should be able to log on to their website and get every bit of information I need for each loan so that I can better prepare for what little future I have. | ||||||
| 01/26/2017 | Yes |
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| In XX/XX/2005, I was XXXX years old. My then husband walked out of our marriage, leaving me alone with my XXXX daughters who were XXXX old and XXXX yrs old. I had no income as I had XXXX during the marriage. I had a XXXX. I was alone in the town and state which I lived. My closest relative lived XXXX miles away. I knew I had to do whatever it would take to provide an income to support my daughters and myself. I sold all that I could manage and XXXX with my daughters by my side. We were not eligible for XXXX or XXXX because my ex-husband sent us the EXACT cost for our marital bills which I was instructed by the court to pay directly - leaving absolutely NO income to feed or care for our selves. The girls had peanut butter, milk, cheese, and juice from XXXX. I was often fed by kind neighbors who would make soup for themselves and give me a portion. I XXXX and XXXX to trade for laundry soap and money to purchase diapers. I knew I had to do more! With every penny saved, my daughters and I left that town to a city where there was a university. I entered into the XXXX program, worked 30 hrs a week at XXXX, stayed up to XXXX nearly every night to study all the while providing for and loving my children without help from family and without other support. My dream was to one day buy a hobby farm of our own without a man and with the money I had earned from gaining an education in XXXX. This went on for 5 long years! I graduated with a XXXX and began a search for a job - no problem - right?! America NEEDS XXXX! But, no. Job openings are for experienced XXXX not XXXX XXXX. Finally, on my XXXX application I was offered a position. Just about that time my school loans started to become due. I was on the income based repayment program. I made very little money and supported XXXX children alone. I assumed that since the " government '' - then XXXX - understood my financial quandary and required a min. payment based on my circumstances, that they were satisfied with their payment received. However, later I would come to know that really my payment was to pay THEIR interest ONLY - I was making NO payment to MY principle loans even though I was never delinquent on my payments and worked hard to pay for the agreed amount. A year after that, I was out of work totally due to medical issues which prevented me from working at all. Again, arrangements were made and this time I was encouraged to take a forebearance on my loans. I did so. Again, my assumption was that the U.S. backed Navient was aware and compassionate for my situation. I was UNaware that while my agreed payment was XXXX - they would continue to capitalize on interest. I was outraged when I finally received a statement a year later - when I had to reapply for the appropriate repayment program. I was able to restart making payments, but was now XXXX of dollars in the rears for capitalized interest! How can you be so poor that it is agreed that you are TOO POOR to make any payment but they can continue to collect on you! This is absolute ROBBERY! Today - nearly seven years after beginning payments on these loans, I owe nearly {$4000.00} more then the original principle! I have paid nearly {$8000.00} in interest and {$1600.00} in principle! Because of this massive debt - which I have NEVER been delinquent on - my debt to income ratio has made it very difficult, if not impossible, for me to get other loans. I was NOT able to buy that hobby farm in my own name! I regret going to college! This debt has caused great XXXX, sadness, and tears! Over and over again, it haunts our lives and we are not able to get ahead! I agreed to pay MY fair share of debt, but I was not aware of this deceitful and disgusting manner in which Navient fills it 's pockets on the backs of moms like me. | ||||||
| 02/15/2017 | Yes |
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| General revenue corp is harrassing my phone also they is negative information on my credit report that does not belong to me. General revenue revenue corp have not validated this debt. I have requested : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus XXXX XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. | ||||||
| 05/16/2016 | Yes |
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| Below is an email from me to Navient regarding my private student loan : So, XX/XX/XXXX, my private student loan was " no longer eligible '' for any forbearance treatment. Regardless of the fact that I was unemployed or underemployed, pregnant with a child at the time these ridiculous collection calls started. I BEGGED AND PLEADED with these folks to let me pay {$50.00} a month. They constantly refused. I started not answering their calls and they started calling from different numbers. Unwilling to work with me on a plan that was REALISTIC, they happily charged off my loan. My private loan. Do n't have this issue with my regular student loans. Then one day a young man called me. He was warm and nice. Unlike ANY of the collectors at Navient. They are always rude and nasty! He told me if I paid XXXX or XXXX, I could pay $ XXXX/month and my rate would be reduced. I did it. This was XX/XX/XXXX. Paid $ XXXX/month until I filed Bankruptcy on XXXX/XXXX/XXXX. NAVIENT stopped taking out payments. Received my discharge XX/XX/XXXX. Instead of Navient being prudent and integral about their dealings, they sent my account to collections, citing not receiving a payment in 6 months ... ... as if I just stopped paying. Now, a collection agency and NAVIENT are both contacting me for payment. I set up a payment plan for $ XXXX/Mth. Not that I can afford that but it 's all Navient would take! Again-aggressive. Not caring about REALISTIC SITUATIONS! This weekend I get notification that Navient has also started back reporting my loan as delinquent to the credit bureaus!!! So wait- you want to continue to report this negatively to the credit bureaus, impacting my ability to get housing or even a job, AND you want me to come up with $ XXXX/Mth? Not going to happen! I will make SURE I get the word out to all interested parties because this type of strong arm aggression has to STOP! My loan would n't have even went into default had NAVIENT just tried to understand my situation and offer realistic payment solutions. But it 's funny that after the loan charged off the same payment options I was looking for BEFORE the charge off were NOT AVAILABLE but AFTER the charge off were READILY AVAILABLE. Yep! A systematic way of holding people back and I do n't appreciate it! I 'm not paying $ XXXX/Mth AND you all continue to report this negatively. I 'm not playing these games with Navient anymore. Not stressing about it anymore! I cancelled the payment plan with XXXX XXXX and now we are back to square one. 2 can play that game! Get some integrity and stop creating policies that only benefit you, Navient!! You 'll hear my name again. In the media. This is ridiculous. -- -- -- -- -- -- -- - It is also important to note that when I spoke with a manager in the escalations department this morning she confirmed that they only offer certain repayment options to you AFTER you go into default-thus making my point about the nature of their policies. Why would you want to ruin someone 's credit and life on a technicality when you can simply help them BEFORE placing their loan in default??? This needs to change! A person 's situation is generally the same after they have defaulted! Why do you have to make the situation nasty, which can result in you not being able to get certain jobs or even housing, before you offer solutions that are realistic to the borrower? PLEASE STOP NAVIENT FROM THIS TYPE OF PRACTICE. I feel like I 'm in a black hole and just wo n't ever come out! The manager also told me that the collection agency sets the payment amount. The collection agency, XXXX XXXX, says the minimum payment amount comes from Navient. They are playing games and just bouncing me back and forth. This should be stopped and a class action lawsuit filed. | ||||||
| 12/22/2022 | Yes |
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| Hello, My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and District of Columbia resident. Im writing you to alert you of a new Navient Student Loan Fraud issue. I XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XX/XX/XXXX. Ive been paying my student loans monthly for the past 15 years without any missed payments. I consolidated my Federal Subsidized & Unsubsidized loans totaling XXXX in XXXX whose the original interest rate was 5.125 %. After consolidating & setting up a repayment plan I signed up for a standard repayment plan ( 30 years ) and was offered a 1.25 % interest rate discount & an additional 0.25 % interest rate discount for auto-pay. This lowered the original interest rate from 5.125 % to 3.875 % and the customer service representative said my monthly payment will be {$580.00}. Despite COVID, Ive been forced to pay my XXXX loans as the US Dept of Education sold my Federal Student Loans to Navient ( something I have no control over ) and since loans are not technically no longer owned by US Dept of Education, Im excluded from Cares Act and still been paying my student loans the past 2 years. On XX/XX/XXXX, I received the attached Update on Change in Notice Term, Change in Notice Term and also on XX/XX/XXXX, I received the Monthly Statement. The first document reflects that after review, Im eligible for auto-pay discount and monthly payment will be lowered. The later documents reflect that my monthly payment will be lowered from {$580.00} to XXXX. This all was unexpected to me. On XXXX I called Navient customer service to ask questions about the notices. I came to learn that they did an similar analysis on many other people and sent them similar notices. In addition, the customer service representative told me that yes, starting XX/XX/XXXX my monthly payment was lowered as a result of the analysis. After asking further questions, I learned that the {$580.00} monthly payment that Ive been paying the past 15 years was based on the 5.125 % interest rate which was wrong. Instead my monthly payment should have been calculated based on the 3.875 % interest rate ( and 30 years of repayment ) resulting in a {$390.00} monthly payment. Additionally, I was told that my loan repayment is still set to end XX/XX/XXXX ( 30 year repayment ) if I continue to make my regular monthly payment. This a clear fraud!!!! What happened to the overpayment ( difference between 5.125 % & 3.875 % = 1.25 % ) that Ive paid the past 15 years. Well Ill tell you, its gone all to interest ( profit for Navient ) and should have gone to principal of my loan. Instead I still owe ~ $ XXXX in student loans 15 years later. The promissory note says that payments go to interest first then to principal, thats why it takes so long to pay off student loans. The customer service representative said that my payments go to principal first, then secondly go to interest. This can not be true, because if Ive overpaid on my account the past 15 years why do I still have to pay on loans for another 15 years ( end XX/XX/XXXX ; XXXX total years XXXX payments ). Again this is clear fraud!!!! XXXX requesting your help to assist me with this fraud case that also negatively impacts other loan borrowers. I feel to remedy the issue that my total student loan balance should be forgiven or the overpayment ( interest rate overcharge ) made the past 15 years should be taken off the principal of my loan balance. As for me the overpayment ( interest rate overcharge ) is ~ $ XXXX. I look forward to hearing from you and working with you regarding this Navient Fraud issue. Again, please understand that there are many other loan borrowers just like me that Navient has financially taken advantage of. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 04/12/2017 | Yes |
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| I disputed the response from this collection agency General XXXX Corp. this is the file number with CFPB XXXX. I have attached the validation letter that I intended for General XXXX corp to fill out and send back via mail. Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back | ||||||
| 02/13/2017 | Yes |
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| XX/XX/XXXX {$100.00} garnished from my SS check. Contact XXXX w/ no response. Sending forbearance request timely every six mos. Informed total my student loans to be approx {$32000.00}. Tax refunds garnished no answers. Contacted XXXX monthly cont. to tell me it was not them. IRS sent paperwork I returned, faxed and funds were not refunded, no contact fr collection. I continued to send forbearance while requesting loan info unaccounted for. Documenting all loans as they were garnishing Social Security and tax returns w/ no reply. Verified monthly no loans to collection and never had a loan the approximate {$10000.00}. Documentation of my student loans verified were {$2000.00} to {$3000.00} ea semester. Finally informed by XXXX/Navient that I did not have recourse for the {$32000.00} and they would be sending my loans for collection? Family lost our home XX/XX/XXXX. While residing in a motel I began contacting the State of XXXX guaranty. I was informed XXXX/ Navient had in fact sent a loan they stated belonged to me to U.S. Department of Education collection. This agency was garnishing my tax return and check. XXXX and Navient knew of this loan, sent it to collections and garnishment. XXXX XXXX gave me the number of U.S. Dep of Ed who then referred me to ombudsman officer XXXX XXXX case # XXXX @ XXXX. After a bit of research XXXX XXXX informed me there was nothing I could do at this time? XX/XX/XXXX rcvd NOTICE PRIOR TO WAGE WITHHOLDING naming XXXX hereafter referred to as XXXX, as the garnishee. Per the notice I had until XX/XX/XXXX to establish a repayment agreement, or fill out the paperwork for appeal hearing. Upon rcpt date set for hearing. Hearing in person I would have to pay expenses and travel to XXXX. Completed paperwork, faxed and mailed paperwork three times. I cont to call XXXX for 2 months as I was not receiving a reply. XXXX stated not to worry as garnishment would not proceed I had replied in timely manner. Garnishment begins immediately. Call XXXX and demanded a supervisor. Informed no one higher than customer service to speak with. I did receive a c/b from CB after lvg mess previously at XXXX. " CB '' left message on XX/XX/XXXX informed 2 mos after initial contact to call XXXX " agency '' handling my defaulted student loans = {$48000.00}. How {$30000.00} = {$48000.00}, interest? CB verified these to be my only student loans nothing else, lied. Cont calls to XXXX w/ no reply from XXXX , garnishing over {$300.00} per month. XX/XX/XXXX, after received eviction notice. XXXX XXXX, XXXX @ XXXX calls informed me to follow XXXX instr. She would find out why I did not receive a hearing. XXXX is now XXXX XXXX, XXXX fr XXXX. I was faxed an additional copy of the previous XXXX XXXX completed XX/XX/XXXX although the garnishment did not stop until XX/XX/XXXX as I lost my part-time job they were garnishing on XX/XX/XXXX. Never rcvd hearing. I contacted XXXX XXXX/XXXX/XXXX I rcvd another garnishment from another collection agency Pioneer Credit Recovery for {$22000.00} # XXXX. What is this? Why another suddenly upon documents w/ XXXX? She stated they were allotted from govt and first come first served. Why different amounts? Unable to answer. Call XXXX XXXX XXXX, she stated total balance {$90000.00} in student loans? Difference btw {$30000.00} and total is interest? No knowledge of or answer whom or why I was contacted by Pioneer Credit Recovery XXXX add, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Letter states loans may be assigned to the US Department of Education for collection? I asked XXXX, Navient, US Department of Education, XXXX, and XXXX if anything outstanding from XX/XX/XXXX to XX/XX/XXXX, response no. I am requesting all garnishments w/ interest returned. Damage to credit score. | ||||||
| 01/03/2018 | Yes |
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| This student loan was for my brother ( Borrower ) and I was the co-Borrower. All payments for this loan have been made by the Borrower and not a cent from me personally. The loan was originally with XXXX. I have received copies of the original signed loan documents, dated XXXX by Borrower and XXXX by me, Co-Borrower. At some point, after XXXX of XXXX Navient assumed this loan from XXXX. From XXXX XXXX to until XXXX of XXXX, this loan was not reported on my XXXX credit report. I had NO Communication with either company from sometime in XXXX until XXXX of XXXX when I called them. That is when I found out that in XXXX XXXX, my brother ( Borrower ) was removed from the loan and I was solely responsible. ( see letter attached ) I have received from my brother a statement that he NEVER filed for bankruptcy and therefore Navients reason for removing him is FALSE. However, within a month of removing him from the loan, you can see by the payment record and statements that an auto-payment for this loan was set up and has been in place since XXXX XXXX. This is on the Borrowers account. I, co-Borrower, have never made any payments. There were a few payments that did not clear the bank and therefore, put the account into a late payment status. Because the Borrower was no longer on the account, he had no knowledge of the status of the account and it was not being reported on his credit, only mine ( co-borrower ). So, in XXXX of this year as I was working with a credit repair company, I challenged that this loan was not mine, but the Borrowers. I called Navient and found out, first that they did not even have correct information for me. Address wrong, but more importantly, had my birth year as XXXX, Not XXXX. That is NOT a typo. Then they told me that I was solely responsible for this loan as the Borrower had been removed because of a bankruptcy. They wanted me to assume responsibility which I refused, knowing they were receiving payments from the Borrower and had been throughout the life of the loan. I requested the documents to prove what they had done including : copies of the original papers signed in XXXX, the letter when and why they removed Borrower, and a payment history. I have calculated all the payments this company has received. They would not send me a perpetual balance that explains WHY the original loan amount was {$5700.00} and the balance as of XXXX/XXXX/XXXX is still {$11000.00}. If my figures are correct, they have applied {$210.00} to Fees and {$2000.00} to interest, from XXXX. In XXXX, regular monthly payment were received from Borrower and from XXXX XXXX to XXXX XXXX, they applied {$9100.00} to interest, bringing the total of interest and fees to {$11000.00}. The principal has only had {$2000.00} applied to it. BUT, the balance on the account is {$11000.00}! This is FRAUD! In XXXX, I was threatened that this loan was going to go to another collection company for lack of payment. I had/have NO information of which account this monies were being received from since it is, nor never was, MY BANK ACCOUNT The Borrower needed to change the account the payments were being drafted from, so payments from XXXX to XXXX had come back as insufficient. That is why this account showed as over 120 days late pay, ONLY on my credit report. Remember, the Borrower is not receiving any reporting on this loan, only the Co-Borrower. With my brother 's permission, I had him added as " information only '' to the loan, since Navient refused to add him back on as Borrower. That allowed them to speak to him and change the banking information for the payments. I STRESS AGAIN, I, the Co-Borrower, have NEVER paid on this loan. The company removed the Borrowers name and made me solely responsible and is only WRECKING my credit. | ||||||
| 01/25/2017 | Yes |
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| In XX/XX/XXXX 's I took out XXXX federal college loans ( for total of {$22000.00} ). Before I graduated I was contacted by XXXX and they were insisting to consolidate my loans. They were persistent and kept saying that I will benefit from it as would actually pay less, my monthly rates would go down etc. The repayment was planned for XXXX years. I 've signed consolidation agreement with on XX/XX/XXXX ( XXXX ). They have increased my interest rate to XXXX % and the fact that they were XXXX interest was not included. That worked out XXXX $ of interest alone. Also on the only form I 'd signed and sent back to XXXX, somebody marked ''MAX XXXX option '' ( 4 years interest only ). More crucial info was on the forms I 've never seen until now Navient sent them, and they have no signature of mine. After I graduated, got payment book with payment slips from XXXX and was paying my loan for XXXX consecutive years, never missed a payment or was late. Then I called them to check my balance and XXXX told me that now I owe them {$28000.00} and did n't even pay the interest yet. I was confused and kept paying. At some point I 've decided to get lawyer ( XXXX, XXXX CT ) XXXX and was told to stop all payments as the outstanding amount given by XXXX was wrong. Unfortunately the lawyer had died sometime after and as it was XXXX person office I had never found out if anything had been done with my case. My loan was sold to some collection agency, XXXX of many who contacted me over the years. I was offered twice to get out of default ; the second time I was told over the phone that if I 'd made certain payments ( {$240.00} ) on time for XXXX months the student loan will be taken out of my credit history and my loan account will be closed. Despite of completing payments as verbally agreed ( I authorised company to debit monthly my account ), my loan was sold further and another penalties and selling costs were added up on my debt, not to mention ridiculous daily interests. I lived in XXXX between XX/XX/XXXX-XX/XX/XXXX and started family there. After return to XXXX my very first tax return was garnished ( {$2700.00} ) by government towards my college loan which mounted up now to XXXX $ ( as on XX/XX/XXXX ). In the beginning of XX/XX/XXXX I was contacted by NAVIENT and XXXX who now regularly sends me letters for collection. I went to few lawyers but when they hear " federal '' they say they can do nothing. The only thing I found out is that I have legal right to request full loan account history from the first day of its life until now. Since XX/XX/XXXX I called XXXX several times and I always hear that they can do nothing about my debt and it has to be paid. I also requested XXXX to provide full history of my loan account with included loan dates, amounts I paid ( I lost my payment copies during hurricane in XX/XX/XXXX ), how did they got to {$28000.00} after making payments for XXXX years. They keep saying they do not have documentation of my college loan ( but I still have to pay of course ) and again - can not confirm it in written like any other info I asked them for. In XX/XX/XXXX I got only XXXX letters with identical Statement of Purchase which shows name of XXXX on, I contacted them as well. They also claim that they do not hold documentation regarding my college loan, neither is XXXX Funds, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX who I contacted several times between XX/XX/XXXX-XX/XX/XXXX to get to the bottom of my case. So over the last XXXX years I was harassed by collection companies over the mail and phone, my credit is broken, had to pay higher rates on financed cars, credit cards, I 'm unable to purchase the house for my family, last tax returns have been garnished. I 'm also threaten now that my wages will be garnished | ||||||
| 07/07/2016 | Yes |
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| I 'm continually given false promises and wrong information from my loan servicer as well as begin denied critical documents/information such as my MPN and payment history. When I asked how my interest was accruing on my loan, I was told by Navient to multiply my principal balance by my interest rate and divide by XXXX. Later, on the same day, I received a letter from Navient that provides an entirely different formula. When I asked for my MPN, Navient tells me they either do not have to provide it or they will provide it on a specific date and then when I look for it on the date stated, it 's still not provided. When I asked for payment history over the life of the loan, Navient mailed me a letter with only the last 50 payments. Their letter says " enclosed is a copy of the documents you requested ''. I 'm overwhelmed because all 50 of my the payments were applied to interest only as illustrated in their letter. There was no clear explanation as to " why ''. When I sent the template/sample lender letter ( provided on the Consumer Financial Protection Bureau 's website ) regarding instructing my student loan processor on how to appropriate my extra funds submitted, regarding paying down my debt, I am told by Navient they do not need to follow it. When I explain that I want to submit extra payments to pay down my principal, after paying meeting my interest obligations, they sent me a letter stating they would apply my extra funds towards future payments -- not principal. They provided an example that if I sent an amount equal to 4months of payments, they would not put it towards the principal as requested but that they would actually allow me to miss the next 4 months of payments. This is NOT what I want ( ed ) and is only an example of deception. Now that I know my loan acrues daily interest of $ XXXX/day, If I skipped 4 months of payments, I would unfairly acrue {$2000.00} of interest on the loan. This is unfair and only benefits them. This does NOT benefit me. On XXXX XXXX, I called Navient again and asked for a way to send extra payments to principal, after my usual monthly payment that is suposed to satisfy both interest and prinicipal, and ensure that the payment is applied to principal. The Navient agent, on a recorded line, said she would overide the monthly debit draw from autopay to meet the exact amount I desired to pay. I wanted to pay $ XXXX/month vs the $ XXXX/month. I explained that I wanted the additional funds to be applied ONLY towards principal. She told she could meet this request. I asked when she would have this go into effect, she said within 24 hrs. Today I logged into Navient 's site and I see that the change promised was not set up. I was again given false information. I sent emails to Naivent on their site and NEVER receive a response to them. They dont even appear in " correspondences you 've sent us '' so I now take screenshots as evidence. Why is Navient doing this? In summary, Navient has denied me records, not proven or explained or showed how or that I owed {$31000.00} of interest on the loan that they claim has allowed them to take all of my payments and apply them towards interest only. I 'm given wrong information every time I call. Navient told me to ask the US Dept of Ed ( ED ) for the records I 'm seeking. ED tells me to get them from Navient or my University 's Financial Aid office. When I spoke to my University, they told me I was given wrong information. They called Navient on my behalf to assist me in the matter. Navient would not assist them or provide a Supervisor when they requested, to discuss the matter. I 'm drowning in debt from my student loan and extremely frightened of my future. No one is helping me. Navient is uncooperative and constantly deceiving me. | ||||||
| 01/04/2016 | Yes |
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| I contacted you about Navient XXXX/XXXX/XXXX. They contacted me saying they never got the XXXX paperwork from my doctor. I was on the phone with them on XXXX/XXXX/XXXX at XXXX XXXX and spoke to " XXXX '' in the " advocate 's office. He aid I could email the doctor 's XXXX page form. I sent the doctor 's form as a XXXX page PDF document via email to XXXXXXXXXXXX " XXXX : XXXX XXXX '' per XXXX 's instructions. I stayed on the phone until " XXXX '' confirmed they received the doctor 's signed forms AND could open them. XXXX said XXXX will contact me if any other information is needed, and that it could take up to a few months for them to review it. Navient called me in XXXX about the bill saying THEY NEVER GOT the doctor 's forms. This is puzzling due to my email record of the items sent AND my conversation with " XXXX '' NOW there is a new FDCPA violation. I was called 4 times in one day and talked to them each time on XXXX/XXXX/XXXX. As an ex collection agency employee, I can call many times if i get a busy or no answer but if I talk to a debtor to make a demand I really should not all XXXX times in a day. If I did not have money at XXXX, XXXX, XXXX, how would I have it at XXXX? I asked for another XXXX form for another doctor to fill out ( XXXX ) and was told if I borrowed when I was XXXX I still have to pay. I did not know I was XXXX because I worked and was never given a XXXX. The way I found out I was " technically '' XXXX was when I filed for Social Security XXXX in fall of XXXX. THEY said they determined I was XXXX in XXXX. I was working in XXXX through XXXX as a XXXX ( I have taxes to prove it ). so the facts : ( 1 ) I did send in the first XXXX forms via email and Navient is denying receipt ( 2 ) XXXX calls in a day to make demands ( I kept them on the line for evidence that their call lasted longer than a message ( 3 ) refusal to acknowledge that if I was XXXX per Social Security I HAVE A NEW diagnosis with mental health that Navient will not give me time to prove ( 4 ) I told Navient per XXXX I had to wait until after XXXX XXXX, XXXX to get an appointment with the XXXX services because I have a plan that has a low-income component ( XXXX XXXX ) so I have a plan that has a government paid " supplementary plan '' that takes effect AFTER XXXX/XXXX/XXXX. Navient refuses to allow me time to get the appointment with XXXX services and signature on the form. ( 5 ) I am poised to have mental health records from past XXXX services sent to the new service but know THEY have to see me before they go by any previous diagnosis AND because there are new mental health issues - a NEW diagnosis of XXXX NOT at the time I took out the loans. ( 6 ) My family is concerned because I am afraid to answer the phone and leave them off the hook, I told them XXXX have been affected ( I take XXXX XXXX meds ) and that if anything happens to me, it is because I am not sleeping or having bad dreams related to Navient, and because my XXXX could cause me to have a medical " incident '' ( 7 ) I put a Navient XXXX this morning that I want to find others who were treated like me to gather momentum for a class action suit. I did not direct it to Navient BUT KNEW they would catch wind of it. They called to make a demand and sent me XXXX emails - XXXX with a demand ( they NEVER sent an email demand before today ) and XXXX with a XXXX reply to me : Hi : Pls email XXXXXXXXXXXX w/details of what you 've experienced. Our team will review and reach out. Thx : XXXX ( 8 ) I think Navient has broken enough FDCPA regs and disallowed VALID medical/mental health claims of XXXX. I will use all social media to get however many XXXX " victims '' Navient has declined or " hammered '' to instigate a class action suit. THE XXXX NEEDS HELP NOW. | ||||||
| 12/19/2018 | Yes |
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| I currently owe {$42000.00} in private student loans to navient, they are divided into 4 separate loans. I am very good about staying on top of my loans. My private loans have been in a rate reduction program from the past few years. I am usually on the phone with them once a month trying to figure out some issue that is happening with my loans. The most recent issue was the straw that broke the camel 's back. In XX/XX/XXXX I called them because I received emails about how I had payments that were overdue. However my private student loans were still in the rate reduction program. They told me that for some reason ( they have never been able to tell me why ) one of the four loans came out of the program early and accruing payments. They told me they would fix it and I could call back in XX/XX/XXXX to re-enroll all 4 loans back in the rate reduction program. In XX/XX/XXXX I had a payment drafted from my account that was {$150.00} more than what my payment should be. I called them to figure out why and get my loans back in the program. They said it was a glitch or something and that they would credit my XX/XX/XXXX payment so it would be a smaller payment. They also told me that somehow my rate reduction program had been extended into XX/XX/XXXX so I could re-enroll in XX/XX/XXXX. Well the pro-rated amount never came out in XX/XX/XXXX as a matter of no amount came out. I called back on XX/XX/XXXX to get them re-enrolled again. They told me that they were still figuring out what was going on with my private loans and that currently I was in 3 month grace period so I wouldn't need to re-enroll until XX/XX/XXXX. He assured me that he was sending it to a " clean up crew '' and it would be taken care without any harm to my loan payments or my credit report. I called back on XX/XX/18 for 2 reasons. To get my loans re-enrolled and because they were harassing my co-signers at home and at work ( my parents never gave them their work numbers ). When I had told them in XX/XX/XXXX that they were harassing my parents they said to tell them when Naviant calls to refer to their notes and they wouldn't be bothered anymore. However when my dad told them this they said that I still had payments due. On XX/XX/18 I received an email from the debt collector division of Naviant. When I called I was legitimately yelled out for not making my payments by a man named XXXX. He put me on hold and transferred me to his supervisor who told me that during the grace period I was still needing to make payments. I was never told this and when I told her that she insisted I was. When I asked if I could access to phone records she said that I would need a subpoena and legal representation. She said she would review the phone calls but honestly since I am not allowed access to them there is no way to prove that they actually did give me false information. Every month I was told that they were fixing the screw up and to call back the next month. Now they are saying I have a balance of XXXX past due when no one, not even once told me I needed to make a payment when I called in. They did call my parents and send emails but when I would call in them they would say that I didn't need to make a payment and to call back the next month. I feel like they are just trying to make a buck off of me and keep in debt. It feels like no matter how hard I try to stay on top of my student loans and to use programs available they make it impossible for me. There is always some issue that needs to be addressed. I can't consolidate my loans because now my credit score is too low and I am behind on payments but they refuse to correct their mistakes and I am the one suffering the consequences. I want access to the phone calls, I thought they would be public record. | ||||||
| 05/29/2017 | Yes |
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| THIS IS NOT A DUPLICATE COMPLAINT. NAVIENT NEEDS TO RESPOND TO THIS AND SHOW THEIR CALCULATION SO THEIR RESPONSE CAN BE TURNED OVER IN A LEGAL FORMAT ( COURT OF LAW ). Navient Response as of XX/XX/XXXX O n XX/XX/XXXX , IDR was correctly processed using your XX/XX/XXXX tax return for a payment of {$1300.00} per month for 12 months. Since you indicated your income is now lower, you may submit an IDR application, along with your most current proof of income, requesting that we recalculate your payment. This can be completed thro ugh studentloans.gov My response to Na vient as of XX/XX/XXXX On my XX/XX/XXXX approved IRS tax form, my Adjusted gross income was {$62000.00}. Of this income {$23000.00} was from income from a job I lost on XX/XX/XXXX . A document from the school system was sent along with my XX/XX/XXXX T ax form verifying this loss of employment and income. The above documentation that you state I can submit has already been sent to you twice. It will not be sent a third time. Simple math : XXXX - {$23000.00} = {$38000.00}. The above payment of {$1300.00} X 12 months = {$15000.00} per year to Navient Student Loans. This simply equates to 41.09 % of my adjusted income ( prior to the calculations of my Discretionary Income. Current US Department of Educ ation Laws allow the maximum percentage of a persons income to be applied to any student loan at 15 %. Again, simple math {$38000.00} 150 % of the XX/XX/XXXX Pove rty Level ( {$17000.00} ) = {$20000.00} X 1 5 % = {$3000.00} divided by 12 months = {$250.00} per month = period. Yet Navient stated Quote The IDR was correctly processed using your XX/XX/XXXX ta x return for a payment of {$1300.00} per month. What is the difference in a man who is now separated from his wife and his Adjusted Gross Income and his Discretionary Income? Is a persons Adjusted Gross Income the same as their Discretionary Income? Not per the US Department of Education ( see chart below ). 150 percent of the Poverty level must be removed from the persons adjusted gross income - prior to calculating any student loan payment. Therefore, my Adjust Gross Income is {$38000.00} - {$17000.00} ( 150 % of the poverty level ) = {$20000.00} X 15 % divided by 12 months = {$250.00} per month- period. The amount that Navient said was Processed correctly would represent {$1300.00} x 12 monthly payments or {$15000.00} per year in student loan payments. My discretionary income is {$20000.00}, therefore, the amount that Navient said was processed correctly represents 76.56 % of my income ( just to Navient ). Finally, Navient will be paid the correct monthly amount of {$250.00} which will still be a tremendous burden on me and my current financial situation, however, I will make these payments on an automatic debt withdraw from my bank. In addition, I will also continue to pursue Legal action against Navient for their un-wiliness to work with a student loan client, including the stress they cause a person trying to make payments wh o is three months away from being XXXX years old . I will ask the court to look at the numerous times that Navient tried to place me in forbearance ( when I did not want forbearance ) and the numerous times I have had to re-submit the same information to them. Add to this the threating communications I have received from Navient and their total disregard of wan ting to help clients make reasonable payments ( based on the persons current economy situation ). It seems much easier for Navient to just turn a person over to collection, ruin their credit than to take the time to work out a reasonable- legal re-pay ment plan. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX | ||||||
| 05/11/2017 | Yes |
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| -Starting in XXXX / XXXX / XXXX I have a " Repayment Fee '' for {$1100.00}, also have that same " Repayment Fee '' for {$380.00} on XXXX / XXXX / XXXX . When I called to ask about what these fees were the manager I talked to did n't know what they were for. -On loan number XXXX XXXX XXXX XXXX , it was suppose to be in the rate reduction plan but do to a missed payment, which was due to an error on their end putting the wrong account number in, which was corrected immediately after the payment was suppose to be removed from my bank account and was n't. I needed to be in the program really bad since my loans ' interest rate was as high as 9.75 % and the new one was 3 % so I made sure to make my three payments. After calling and asking about this they did n't really know what or why it happened and was n't corrected. - From the beginning of my repayment process of my loans, I was misdirected on what plans were best for me, the told me to put my loans in Forbearance and mislead on the impact long term this would have on my loans. Currently I have made about {$44000.00} in payment on a loan that initially for {$43000.00}, my current loan balance is about {$57000.00}. ( which is all interest from the helpful plans they " nicely '' recommended were best for me ) - I learned that while I called looking for better plans, and/or lower interest rates, I was always told they could n't do anything. I later found out they could have put me in the rate reduction plan years ago and saved me thousands and thousands of dollars. No one ever even told me it was possible. Just so they could mislead me and continue to make more money. - Today XXXX / XXXX / XXXX . I called them back after being given the run around for about a week, to help me get out of this mess. I was told they had no options for me at first and there was nothing they could do. I told them since I have a new baby at home I had to quit my job I was working in the morning to pay for these loans and if they did n't do anything I could n't pay XXXX a month. I was told by the manager I was working with that her manager had a good deal for me to help me out. I could extend my loan for 20 years and pay XXXX a month. I ca n't afford that amount either. I also did n't do the offer knowing my rate reduction plan would end in a year ( like last year and it increased from 3 % to as high 5 % ), my payment would grow out of control and I would be in a worst place than I am now. I did the math if I kept paying {$740.00} a month it would cost me {$66000.00} over the life of the loan. The offer today {$510.00} a month would be {$120000.00} that 's not even taking the rate reduction plan ending in a year, with my rates sky rocketing fro m 4.5 - 5 % going to 9.75 %. As you see they continue to mislead me, and pretend to be helping me only to prolong the payments and interest. I have worked hard in order to pay off these loans and have been mislead, and continue to be mislead. They did offer to settle of 85 % of my balance if I paid the {$47000.00} that day. I told them I would n't even have loans if I had they kind of money. They asked me to ask relatives for that kind of money which clearly no one had to give to me or they already would have helped me. The situation is going to get worst for me once our saving of {$5000.00} is depleted, which my wife does n't even want to use that to pay these " loan sharks '' as she calls them because we need to be prepared for an emergency with a XXXX XXXX baby at home. In desperate need of help, or I just wont be able to pay these loans at all, which would destroy my credit. I have already looked into buying a house before my credit takes a hit and I cant ever get a mortgage again. Please help. | ||||||
| 10/04/2016 | Yes |
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| I am writing to dispute the increase of my monthly payment for my extended repayment plan that was to take effect XXXX XXXX, XXXX. I have attached a copy of the dispute I sent to Navient on XXXX XXXX, XXXX that can fully explain my interaction with their company. A basic summary is below : On XXXX XXXX, XXXX I received an email from Navient indicating there was a change in my loan terms. Upon review of this email, my payment had increased by XXXX % from {$180.00} to {$250.00} ( it should be noted the monthly payment went up again to {$250.00} as of XXXX/XXXX/XXXX ). I contacted Navient the next day and spoke to a customer service rep about the payment increased. I explained my concern and he characterized it as a 'back-office issue ' and made it appear as if it would n't be a problem restoring my previous monthly payment amount. On XXXX XXXX I received written correspondence indicating I was on the extended repayment plan, but the correspondence did not say anything about an amount. I called Navient two more times the week of XXXX XXXX and got XXXX different reasons for why the payment changed. I placed another call on XXXX XXXX and the final customer representative I spoke with was very helpful and was able to place my account on hold while Navient researched my concern. My dispute centers around the fact my loans were fixed amounts at a fixed rate of interest. I was on a fixed, extended repayment plan. Under these conditions there is no need for the loan to be examined to ensure repayment on time as suggested by one of the customer service representatives. I am very familiar with how a fixed repayment plan works having my own mortgage, car loan and my employment as a manager in default servicing at a large financial institution. I reasonably relied upon The U.S. Department of Education 's contract terms provided to me at loan repayment inception and made payments per the original agreement until XXXX XXXX, XXXX. The servicing of my loan changed twice from U.S. Dept. of Ed in XXXX XXXX to XXXX and when XXXX became Navient in XXXX XXXX. At no time during those service changes was I contacted about a change in my repayment. The first indication of a change was an electronic correspondence received in my Navient account inbox on XXXX XXXX, XXXX with no other follow-up until the XXXX XXXX email. I asked for Navient to provide me with documentation outlining the original terms of my extended repayment as established by the U.S. Department of Education. Per their XXXX XXXX, XXXX letter they can not. I also requested they restore my repayment to the original terms by performing the necessary interest rate adjustment and/or principal reduction to ensure my contact would pay off as originally established ; per the same XXXX XXXX letter, Navient indicated they are unable to adjust my monthly payments to the previous amount. I offered to resume my payments as soon as possible so I could avoid the step of having to file a CFPB complaint, but they declined that solution. I 'm attaching documents to support the transition from one servicer to another ( twice ),, copies of change in terms letter, copies of billing statements, copy of my dispute letter sent to Navient and their reply correspondence. In my research I saw multiple sources stating The Consumer Financial Protection Bureau has been investigating Navient for years. Navient even disclosed in a SEC document in XXXX XXXX that the CFPB might be taking legal action against Navient Solutions , Inc. ( " NSI '' ). I saw numerous other articles about unfair debt collections practices, so I know I am not alone in this behavior. I should be able to trust the servicer of my student loans, not uncover multiple instances of bad debt collection practices. | ||||||
| 04/02/2018 | Yes |
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| In XX/XX/XXXX I started getting my paycheck garnished by student loans, and my XX/XX/XXXX tax return was taken for student loans as well. I was confused because I submitted a forbearance and then an income-driven repayment plan through the Department of Education 's site studenloans.gov multiple times of the last few years for my loans. After further investigation, I discovered that one of my loan companies, XXXX XXXX, had put my loan in default back in XX/XX/XXXX and hadn't received anything from the forbearance and the IRP through DoE 's website. I contacted the DoE, asking why this was happening, throughout XX/XX/XXXX and then again in XX/XX/XXXX. The Ombudman 's office contacted me in XX/XX/XXXX saying I should contact Navient in regards to what was going on. I was also confused because my NSLDS says XXXX XXXX, and not Navient. I contact them on XX/XX/XXXX at the number on I was provided, but they wouldn't answer any questions, and wouldn't put me into contact with anyone who could answer a question about why they never got information from the DoE about my forbearance and IRP. They only gave me the number for the collection agency handling my defaulted loan. I then contacted the collection agency, XXXX, about my loan. This phone call also happened at XX/XX/XXXX. They would only tell me that I was need to pay off my loan in full, or enter into a rehabilitation service for 6 months. I informed them I was in an IRP, which was {$0.00} a month, for my other loans because I don't really make much, and that I was also needing to take care of this because I needed to go back to school. I had a recent health issue come up that lost me my job, and that prevents me from working in the field that I had been in for the last 9 years. They would only say I need to pay it off, and until then they would continue to garnish any paychecks and take my tax returns. They couldn't answer any questions about my loan not being in forbearance like it should have been, and referred me back to the original number I called Navient at to handle that issue. They also couldn't provide me with anything but the number of how much I owed. I wanted a record of how much they have taken from my taxes and my paychecks, and the exact distribution of that money being applied to my loan. They couldn't provide that, which makes it hard for me to believe my money has been applied accurately. I personally don't understand how a company dealing with Federal Student Loans is not required to communicate with the Department of Education, and how the DoE does not hold servicers like them accountable for not communicating with them. I did everything I was supposed to, continuing to submit my forbearance and my IRP to the DoE website, under the impression that my servicers would be informed of the decisions. Now I am being punished, to the point that I can't get training to get into a new job field because they did something wrong. I have too much training in my field to get an entry level job ( as places like XXXX have told me in the last week ), also, but not enough training or education in another field to get a job. So I am trying to go to school, but can't get student loans because of this default status that never should have happened. Now not only are they hurting my credit, they are hurting my livelihood and my ability to earn a living. My life is literally in their hands because of their mistake. I am attaching my NSLDS for my student loan that was in forbearance and is now in an income-driven repayment plan, showing the dates that these things happened and the servicer that hols that loan. I also included the NSLDA for the loan that is in default. I also have the letter from the Ombudsman 's office referring me to Navient. | ||||||
| 09/20/2018 | Yes |
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| In XX/XX/2018 I called Navient 's Rate Reduction Program line to extend my Rate Reduction Plan regarding my private loans. I had been paying {$420.00} a month towards my Private Loans up until that point and I could barely afford that at the time because I was jobless, living in XXXX and pretty much making plans to move back to XXXX, Minnesota because I could no longer afford to live in XXXX. I spoke with one of their Solutions Agents and he helped me situate an extended plan to Auto-Pay {$420.00} on the XXXX of every month, for the next 6 months through XX/XX/2018. He explained that I would get a notification once approaching that last month that I would have to extend my plan because they are no longer allowing them to go on for a full year, we have to re-extend every 6 months now. I was told if I did not reach out to extend my Rate Reduction Plan then my monthly payment would double. On XX/XX/2018 I received an email from XXXX XXXX/Navient that my Rate Reduction plan would soon be ending and that if I did not apply to extend it soon my Payment would increase starting XX/XX/2018. On XX/XX/XXXX Navient used Check # XXXX to Collect {$840.00} directly from my account. I did not notice right away, but when I checked my banking account on XX/XX/2018 I realized they had taken MUCH more than what was AGREED on, it was almost DOUBLE the amount. I started to worry because I had not budgeted for this amount of money to be automatically withdrawn from my account. I was told, via phone calls and email that my payment would be the agreed {$420.00} on the Rate Reduction Plan through XX/XX/2018. They took almost twice the amount!!! I was planning on extending again for my Rate Reduction Plan before the end of XXXX too. I called their Rate Reduction Plan line on XX/XX/XXXX at XXXX XXXX CT after I noticed the almost double charge to clear things up. I spoke to XXXX, employee number XXXX and explained that Navient had taken MUCH more than was agreed on through XXXX, and that this was going to put me in financial distress, I wasn't sure how I was going to pay my rent etc. He claims that when I had extended in XXXX earlier in the year that I agreed to pay the {$840.00} once my first six months was up. This is a total LIE, first off I would NEVER agree to making that big of a payment every month for six months because I could NEVER in my life afford it!!! Secondly, even if I DID agree to it ( which I did NOT ) they took the {$840.00} a MONTH EARLIER than they should have!!! I explained that this is not the first time over the last 8 years that they've lied, lost payments, taken money from me, claimed I owe more in total than what I actually borrowed etc and that as of today they NO LONGER had permission to automatically withdraw from my checking account. XXXX tried to argue with me and make me believe that I had agreed to all of this which didn't work because not only do I have PROOF that I never agreed to to any of that, I also have proof that they were not supposed to increase my payment till XX/XX/2018. I asked if I could speak to a manager once I realized XXXX was getting upset and not willing to work with me. He put me on hold, then hung up!!!!! I tried getting back through but the lines were so busy, and I had to go to work that day! About 5 hours after that phone call I received an email that included a statement of my account, my " overpayment '' and that I would owe {$420.00} on XX/XX/2018. Navient is fraudulent, they abuse their power and do not care for their loan customers. I only borrowed $ XXXX in total during my time in University and after making consistent payments for the last 8+ years they claim I still owe $ XXXX!!!!! How is this fair? They lie, they mislead!!! I can not handle this anymore! | ||||||
| 08/07/2023 | Yes |
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| I set up rate reduction payment plans on a semi regular basis with this company because I will not be able to pay the full amount due for the foreseeable future ( and for the last several years ). I received a call today telling me I have an outstanding amount and I was advised to pay it and set up repayment plans at another time. I let the CSR ( XXXX ) know that I can not pay that amount because I participate in repayment plans. He asked me questions then told me I did not qualify and to just pay the outstanding amount. I told him that my most recent plan went through the month of XXXX ( last payment coming out on XX/XX/23 ) and that I was told to call back in XXXX to re-set up a new rate reduction payment plan. I was also told that my 3 loans were not all on the same repayment plan, this happened before, and I went through a long process to speak to a supervisor and get them all on the same plan so that it would not be reported negatively to my credit. I was previously told that all 3 were taken care under the umbrella of the rate reduction plan and my credit would not be negatively affected. I asked to speak to a manager, was put on hold and told that there were no one available. I asked that a manager give me a call once one was available as I could not sit on hold because I am at work. I was told they can not do that, and I would have to call. I have gone through this scenario several times where the notes on my account are not correct, and I am given misinformation by multiple employees of the company. I have had reps call to apologize and fix the mistakes, yet they keep happening. I am grateful for the rate reduction plans however I can not afford any payments without them. On my last call with the company, I was told that my current balance is {$38000.00} ( I took out $ XXXX + loan originally and have been making payments over the course of 14 years ). I work very hard to try and stay compliant, so my credit is not affected. For years I was told and advised by the student loan company ( XXXX XXXX and then Navient ) to take deferment because it was the " easier route ''. During the years of XXXX I was advised multiple times when I called in to make payments or set up payment plans that deferment was available and to just take deferment. I am very affected by the bad advice this company has given me, and now the disorganization of my account is negatively affecting me again. I have been called several times to " apologize for mistakes made on my account ''. As someone who lives paycheck to paycheck and supports family members, I can not afford mistakes like this. Had I known years ago this would be such a major part of my life, I do not think I would have taken these loans even at the advice of my university financial aid office. Loan details ( I have paperwork, it is about 15 pages long and can be emailed ) Loan # 1 : Original disbursement : {$9000.00} Outstanding principle : {$6900.00} Accrued Interest : {$9400.00} AMOUNT PAID : {$12000.00} AMOUNT PAID TOWARDS PRINCIPLE : {$5100.00} AMOUNT PAID TOWARDS INTEREST : {$6600.00} Loan # 2 : Original disbursement : {$11000.00} Outstanding principle : {$11000.00} Accrued Interest : {$12000.00} AMOUNT PAID : {$12000.00} AMOUNT PAID TOWARDS PRINCIPLE : {$4100.00} AMOUNT PAID TOWARDS INTEREST : {$8300.00} Loan # 3 : Original disbursement : {$12000.00} Outstanding principle : {$19000.00} Accrued Interest : {$7800.00} AMOUNT PAID : {$5200.00} AMOUNT PAID TOWARDS PRINCIPLE : {$920.00} AMOUNT PAID TOWARDS INTEREST : {$4300.00} TOTAL DISBURSEMENT ; # XXXX TOTAL OUSTANDING PRINCIPLE : {$38000.00} TOTAL ACCRUED INTEREST : {$30000.00} TOTAL AMOUNT PAID : {$30000.00} TOTAL PAID TOWARDS PRINCIPLE : {$10000.00} TOTAL PAID TOWARDS INTEREST : {$19000.00} | ||||||
| 07/26/2020 | Yes |
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| Navient Deceptively continued collection and reporting efforts on this unvalidated debt after my formal dispute notices requesting validation of debt between Navient and myself were not substantiated by Navient. Navient seemed to have purposely violated the FCRA 623 ( a ) ( 3 ) legal regulation that states Disputed Information Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. FCRA 623 ( a ) ( 3 ) They have violated since XX/XX/2020, and remain in violation. It appears that Navient may have deceivingly and purposefully kept from reporting this Validation Dispute Claim in an effort to show the account in question as default instead of an account in Formal dispute by reported debtor. This way they could sell off to the debt to the new collector that purchased the Debt XXXX without having to validate the debt prior to selling to XXXX. A company whos unable to prove any standing contract relationship/obligation between debtor knowingly can not enter into a sale of debt to a new agency. This makes their sale/transfer of debt invalid and unbinding. Navient, and all 3 Credit Bureaus violated the above mention code, and I will be taking action against Navient, XXXX, XXXX, and XXXX for not following the guidelines set forth by the FCRA to protect consumers like myself in these very situations. XXXX has now purchased this debt and forwarded debt collection notice without having any valid contract between Navient and myself for this debt, and they will also be included in my action as the above named companies. It stands as further proof the the ongoing business practices of Navient have been placed into question for legal and unjust practices by countless victims as noted in there NR rating by the XXXX XXXX XXXX as there are government actions pending against Navient. That speaks to some of the very same illegal business practices Ive experienced with this entity, and Im unsure why the CRAs who are supposed to be transparent in reporting went along with this violation in their non-reporting of my dispute. I will move forward to file Claims violations on Navient and the Credit Reporting Agencies for damages caused by their negligence. As the consumer I disputed the validation of debt with each of the Credit Reporting Agencies. XXXX and XXXX responded, but took no action on my dispute verifying with no proof as Navient was unable to provide me with any validation of contract. XXXX did not Respond within the 30-45 days mandated by FCRA ( Disputing No Response ). As of XXXX XXXX XXXX confirmed receipt via Certified USPS of my Affidavit of Violation for Non-Response, and request for deletion. All 3 CRAs continue to report Navient on my report without validation, and did include Consumer Dispute on any of the reports after my dispute for Validation on received by Navient on XX/XX/2020 via Certified USPS mail. This has caused financial damages, and I will be seeking remedy on these violations from all the companies involved. XXXX has now purchased this debt from Navient who was not a valid holder of the debt, and have begun collection actions- I've advised Any reporting, collection action or inaccurate filling on this debt after receipt of my Affidavit of Dispute received by XXXX via Certified USPS mail on XX/XX/2020 will also be met with similar actions administered above as these will be in direct violation of FCRA XXXX Also the illegal action in this debt transfer/sale invalidates any direct ownership of this debt by XXXX. I will also like to put on notice that any future reporting by any company of this mishandled account from any entity will be added to the actions taken above under the FCRA.. | ||||||
| 03/05/2019 | Yes |
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| My payments were about to go up in XX/XX/XXXX and I knew that we would not be able to afford the increased payment due to my husband now working part time and our medical bills due to health issues. I called twice in XX/XX/XXXX and each person stated that the payment was not going up. At the end of XX/XX/XXXX, I received a statement that my payments were going up. I called WEEKLY to try and resolve this issue. The first call in XX/XX/XXXX, I was set up on a payment plan. I was given a confirmation number and told to pay the first installment of the payment plan. I went through the terms and conditions with the woman and accepted. She said it should reflect on my account in 3-4 business days. I gave it 7 days, and my account still stated I owed the full amount. So I called back. This person I spoke to told me that the repayment plan did not get approved and they had tried to call me 3 times but my phone number was disconnected ( it definitely was not, I have had the same number since XX/XX/XXXX ). So we set up a new payment plan, I got a new confirmation number, I went through the terms and condition and they wanted me to pay the first installment. I had just paid an installment the week before, so he refunded the first payment and I paid another payment for this plan. He said it would reflect in 5-7 business days. I gave it 10 business days and my account still showed behind. So I called back. The person on the phone said the processing department was still working on it. I asked when I should call back and check, and he stated " If you are that worried about it you can call back and check on it, but it is processing the new payment plan ''. 4 days later, it still was not showing and so I called back. This person said that my new payment plan was not approved but they knew a way to make it happen. I got signed up for a new plan, went through the terms and conditions and got another confirmation number. My payment for this plan was not due until XX/XX/XXXX. 7 days later, it was now past my original due date, XX/XX/XXXX, and my payment showed past due. I called back and spoke to another woman who was incredibly rude so I asked to speak to a manager. The manager came on and I asked her to explain to me what was going on. She said that one I made that first payment of the new payment plan, it would " kick start '' and my account would go current. So I asked if I could go ahead and make the payment. So on XX/XX/XXXX, I made another payment to start my newest payment plan. She said I would get the terms and conditions in 3-4 business days and it would reflect on my account. I kept telling her I did not want this to go on my credit. She assured me it would not. I have checked my account since then, and it had never said current. It always said past due. On XX/XX/XXXX, I received a delinquent letter. I called on XX/XX/XXXX and I was told that the new payment plan did not go through, AGAIN. I asked to speak to a supervisor. This woman stated that it was a new type of loan ( even though they have had this loan for 2 years ) and there was no possible way for me to get a repayment plan or new terms. I asked for deferment for 9 months - 1 year, and all she said was are you able to make the payment to catch your loan up? I asked her why no one has tried to call and tell me any of this and why I had been told that I would have a new payment plan so many times and she just kept saying she apologized for the inconvenience. I have been promised 3 different times a new repayment plan. And now there could possibly be a delinquent report on my credit. All I wanted was to defer or lower my payments until my husband could work full time again. I am thoroughly disappointed in the unprofessionalism of this company. | ||||||
| 07/17/2017 | Yes |
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| My loan started with XXXX XXXX , I was in XXXX XXXX in XXXX , was under the impression that I did not have to start paying on loans until 6 months after school. XXXX XXXX representative told me no. I thought this loan was attached to all my loans and was consolidated, and apparently, that was n't true either. In speaking to the XXXX XXXX representative in XXXX , I explained to the rep. my financial situation at that time and how much I could afford, she told me that I HAD to pay the amount she was suggesting and that there was nothing I could do. A few months later the account went into default. XX/XX/XXXX , I received a letter on XXXX XXXX XXXX behalf, saying that they could enroll me in a settlement to resolve the loan for XXXX ( see attached documents ). I called the number given to enroll into the program. I was told that I was enrolling into an interest reduction settlement program so that the money they were deducting form my account each month would go directly towards my loan. A few months went by and the loan amount still said the full 16 to 17 thousand. I called back and spoke with XXXX ( see attached document from XX/XX/XXXX ). She said the first rep did not enroll me into the settlement program like she claimed, and went over with me what happened. After XXXX explained to me what happened, she said that she would be enrolling me into the settlement program. I agreed to it and ask if my payments could be reduced because it was too expensive and she did. XXXX said, that she would now enter in into a settlement agreement of XXXX with a .001 interest rate so that the money being reduced from my account each month would go towards my loans ( See attachment from XX/XX/XXXX with my notes ). I agreed and they started charging me XXXX , so somewhere between XX/XX/XXXX and XX/XX/XXXX something happened and my interest rate was going up and my loan went up. Something was off, I called the loans people they said that they could n't help me and that there was nothing they could do. They did not tell me that I could call anyone else, and when I called Navient they told me that I had to speak to the collectors. I felt overwhelmed and depressed. No one looked at my loan and saw where people messed up and no one from Navient or the collector was trying to help me. By this time, I have paid over 2,000 dollars on this loan and NOTHING has happened, my amount did not move or the settlement wasnt active. I called the new loan collector in XX/XX/XXXX . I explained to them what happened, they agreed to put me in a settlement, and when I got the settlement letter in the mail, I was heartbroken because just like back in XXXX the loan amount stated that is was over 16,000 like before and NOT the settlement that was agreed upon. I called XXXX the collector and explained to him again my situation and why I could n't in good conscious sign the agreement. He told me he would send my information to Navient disputes department for them to contact me. They did not contact me, I called the collector again last week, he gave me the number to Navient and to his boss XXXX . I left XXXX a message letting him know that Navient has not called me and I contacted Navient dispute. XXXX did not call me back and from the number that was given to me Ive talked and explained my situation to several people at Navient that said they can not help me and referred me back to the collector. I am all out of options and feeling hopeless, overwhelmed and depressed. This situation on several occasions has stopped me from moving forward in my life. I tried all that I know how and could possible do, this has been an extremely traumatic situation for me. Please help! | ||||||
| 01/04/2017 | Yes |
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| Navient Office of the Customer Advocate XXXX. XXXX XXXX XXXX, PA XXXX To whom it may concern : At approximately XXXX XXXX on XXXX XXXX, XXXX I called into Navient customer service to try and arrange an alternative payment because of a hardship my family has suffered. I was told by the representative that I was impossible to lower the payment and that I needed to pay XXXX. I told her that I was unable to do that and that I could only pay XXXX at this time. She then reiterated that it was impossible to change the payment so I asked for a supervisor. After about five minutes XXXX XXXX came on the line and identified herself as the unit supervisor. I told her my name and explained that I needed to try to work something out due to the hardship situation. XXXX XXXX took it upon herself to begin to critique my credit report over the phone, making snide statements like, I see here on your credit report that you are buying new cars and your house mortgage payment is up to date. I asked her why she was doing that and that I did not need her to do that. She than began to reiterate in an obnoxious tone of voice telling me, " You are buying new cars and are up to date on your mortgage and it does n't seem like you have any hardship. '' I became upset and said to her " what the XXXX are you talking about? '' She then stated, " curse at me again, I 'm taking this to our legal department. Then she repeated my address in a threatening manner -- - " You live at XXXX XXXX ... .. '' and said she will see what she can do to place a lien and judgments on my property and place this on my credit. What XXXX XXXX failed to give opportunity for or empathetically consider is for me to tell her what my hardship was. Instead, she decided to verbally approach this as though I 'm a customer who is trying to ignore or get away from their obligation. I would like to respectfully submit that even deadbeat customers deserve Respect, especially if they call you. Just to make you aware that there are hardships that does not show up on credit reports. First, my wife is back in school working on a XXXX XXXX XXXX. Secondly, XXXX of the vehicles, she was so snidely referring too, is still on my credit but the vehicle was totaled in an accident where both my wife and myself suffered injuries ( I can provide documentation ). XXXX insurance did not cover the entirety of the debt so we still have to pay for a car that we no longer have. The other vehicle was an absolute necessity- transport to and from work- which is a result of the accident. We were under doctor 's care for several months. Additionally we have a XXXX XXXX XXXX family member who lives with us and is our legal dependent. She was riding in a vehicle with another senior citizen on XXXX XXXX XXXX when that person failed to stop, ran into several other vehicles. That family member was severely injured in the accident requiring XXXX, hospitalization including XXXX and in XXXX. The driver of the vehicle had only Personal Injury Protection ( PIP ) in the amount of {$10000.00}. Needless to say, her medical bills, food, care etc. vastly outweighs that insurance. Her injuries mean that my wife have had to XXXX. She is awaiting additional XXXX. We have struggled to keep up with the bills we have taking care of keeping a roof over our heads. ( This I can also provide documentation for ). I WAS NOT EVEN GIVEN THE OPPORTUNITY TO EXPLAIN THESE THINGS. Is that your policy? Is that how we are supposed to treat other human beings? My wife was present and heard the conversation. For someone, working for your company to speak in the manner that XXXX XXXX did was highly inappropriate, threatening, rude and unhelpful- when ALL I did was call in to make payment arrangements. XXXX XXXX | ||||||
| 02/25/2017 | Yes |
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| This is a time sensitive issue. First off, I have a large amount of documents with names, dates, and other details, should you need any of it. Since I only have XXXX characters to work with, I will try and make this as brief as possible. I attended less than 60 % of a clock hour program school in XXXX ( XXXX in XXXX XXXX, NV ). I was barely in school due to a medical emergency that had me on XXXX, going through XXXX, and pending XXXX XXXX XXXX. The doctor said I could XXXX. So with the advisement from the school and the doctors I withdrew. The school stated since I did not complete more than 60 % of the school and considering doctors orders and my situation, that I should withdraw and I would not owe any monies and everything would be cancelled out. The other option was to extend my graduation date, but that would cost another $ XXXX-XXXX, and with my medical condition, they would advise against that and suggested I withdraw. I never heard anything about this debt until XXXX, at which point I disputed the debt with the school and XXXX. I never heard anything after that until XXXX from XXXX and XXXX. I disputed this debt with them and asked them to provide proof I owe this debt, they could n't. Then I heard from General Revenue Corporation in XXXX, and I disputed the debt and asked for proof I owed they debt, they could't either. XXXX contacted me again in XXXX, and I disputed it again. Again, they provided no proof. Then I heard from XXXX XXXX XXXX, and I disputed it with them and they could n't provide proof I owed the debt. Then I disputed it through the Ombudsman Group, Navient, XXXX XXXX, XXXX XXXX, and now XXXX. I have always disputed this debt, stating I never owed any monies. I provided documentation, witness letters, Department of Education documents, XXXX of XXXX XXXX statements, etc and I am still being harassed. I received a letter from DoE in relation to XXXX on XXXX XXXX, XXXX stating I am not in default and the defaulted student loans are paid in full. XXXX XXXX sent me a letter on XXXX XXXX, XXXX and they called me on XXXX XXXX, XXXX. I spoke with XXXX XXXX and let her know this has been disputed, she notated it in the system and I sent a letter to them that week. She stated this account will be on hold while it 's under investigation. Then before they can do their investigation, they illegally took my husbands taxes. We filed a tax allocation form and then I called XXXX XXXX to find out what happened. They said the debt was sold to another company and they can no longer help me. I called Navient and they said it 's now with XXXX. This past week I 've been on the phone with the USA Government, Treasury off set program, Department of Education, Navient, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, Lawyers, Legal Assistance, so on and so on. No one can prove I owe this debt. There is only a promissory note, that has XXXX different dates on it, with no fund amount or dates attached to it. I am not disputing that I never attended the school, I am disputing that I did not complete more than 60 % of the school and that the school was suppose to refund any monies they received, and told me I can withdraw and not owe any monies. I have a letter from the school stating they have no record of me ever attending. They could not provide an enrollment contract, academic records, etc. They stated they have no record of me. So I am being harassed and funds illegally taken from my husband for a debt I do not owe and never owed, with no supporting documentation stating I owe it. Yet I have a number of documents and witnesses supporting my claim that I never owed this debt. Please help me as this is time sensitive and has caused an Extreme hardship both financially and medically on my family and I | ||||||
| 08/31/2018 | Yes |
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| I went to pay my Navient loan payment on Monday ( XX/XX/XXXX ) and noticed the amount due had increased drastically, which was surprising because I have an email confirmation from XX/XX/XXXX that my income driven repayment renewal request was approved. I called Navient at XXXX XXXX to sort out the issue. After being transferred around and placed on hold for more than 45 minutes, I finally spoke with someone who explained that IDR had only been applied to half of my loans. I asked if this was an error on my part. Had I filed my renewal incorrectly. And the representative told me it was a processing error by Navient. He said he would place an expedited service order to get the problem resolved quickly since the due date was approaching. I check my account online over the next few days to see if the issue had been resolved, but it hadn't. So I called back at XXXX XXXX on Friday ( XX/XX/XXXX ). The person I spoke with ( ID XXXX ) said no order had been placed and nothing was set to fix the problem. I explained the issue I was having with IDR only being applied to half of my loans. She placed me on hold and when she came back, she explained that IDR was not applied to some of the loans because I had been paying extra on one loan ( XXXX Stafford - Subsidized ) for some time, trying to pay it off, but that had advanced its due date so far that IDR could not be applied to this loan. This confused me, because many loans were apparently affected by this. Not just the one I had been paying extra on. I asked why this would be the case, and the representative reiterated that IDR could not be applied to my loans when one of the loans had been paid so far in advance. She said she could change that loan, so the due date was no longer being pushed. So every time I pay extra on that loan, the due date will continue to be monthly. I said, yes, please change that, though I'm still confused as to why any of this would affect my IDR status. She put me back on hold to fix the issue. And when she came back, she said I should be all set. And that the IDR would take affect in 24 hours. And I said, wait, my payment is due tomorrow. How will that work? And then she didn't say anything. I thought the phone cut out. I asked if she was still there. She said yes. I said, did you hear me? She said yes. And then it was quiet again. I said, my payment is due tomorrow. What can I do about that if you haven't resolved the amount that's due? She put me back on hold to speak with her supervisor. When she came back, she explained that her supervisor would be handling this case and it should be resolved in 24 hours. But I was still free to make the payment online so as not to miss the due date. I was frustrated and asked her for a reference number for the phone call so I had some way to prove the call ever happened. But she said there was no reference number. Instead, she provided me with her ID. Once I was off the phone, I went back online to my Navient account to make my online payment, but the payment function gave me an error message. I haven't been able to make an online payment since. And my payment is due tomorrow. The function online just isn't working. So I can't even pay the bill that is still incorrect. I took a screen shot of the error message I keep receiving when I try to make a payment. At this point, I feel like I'm being forced to miss this payment, even though my bill is still wrong. I don't want missing a payment to affect my credit or to cause a late fee. But I can't pay if the site won't let me. And now I don't know what to do. I've called Navient. I've emailed them through the Help Center. I've tweeted at them. But I still can't make my payment. And I have no idea what to do next. This all seems criminal. | ||||||
| 01/16/2019 | Yes |
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| Before I began XXXX school, I contacted Navient and was told that my loan was eligible for in-school deferment. I chose this option, submitted the request, and budgeted my very limited assets assuming the deferment was legitimate and I would not be paying this bill for the time being. I began XXXX school and found out through collection attempts from Navient that I was not, in fact, in deferment status. On or around XX/XX/XXXX I was advised by the company that I was not eligible for deferment, and I paid {$100.00} to forbear my loan to bring it to current, in panic that my credit was being affected. I contacted Navient twice in XX/XX/XXXX. I believe the dates of these calls were on or around XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was given information indicating I did have options to lower my payment, then later those statements were retracted, apparently in alignment with the contract I signed with XXXX XXXX XXXX. Since that day I have been in contact at least twice more with Navient ( I can not recall the next call after XX/XX/XXXX, and I spoke with a supervisor today ). I also made a monthly payment on XX/XX/XXXX in good faith to show I am not a person who is avoiding their bills, but rather someone looking for a realistic option to repay my loan until I am done with XXXX school and back to work. During the process since XX/XX/XXXX I asked Navient to send me a copy of my contract, which I did review. The contract verbiage did not align with what I had been told by a Navient representative. I was told specifically that my contract prohibited deferment since the loan was disbursed ( I believe a term of 60 months ) in the past, however the contract did not expressly or implicitly contain this provision. I was then told that I had no options to adjust or delay my payments according to the terms of my original contract with XXXX XXXX XXXX. Today ( XX/XX/XXXX ) I spoke with a representative, then supervisor XXXX XXXX, who advised I did have an option ( one not previously communicated to me ) of making interest-only payments, however the discount was insignificant ( a {$30.00} difference, from a monthly payment of around {$170.00} ) and therefore did not help my situation. XXXX also advised I could place my loan in forbearance to bring it back to current, seemingly the exact option I took advantage of in XX/XX/XXXX. I had previously filed a complaint to the Navient office of the Ombudsman, however the results of the request were not communicated to me until I asked the representative on today 's telephone call. The results indicated there was no representative error, which is logically impossible since I was previously given options by the company that were mutually exclusive. XXXX was very understanding and submitted another Ombudsman research request within Navient, as well as an internal research request. She anticipated that I would receive a telephone reply ( and voicemail if no answer ) within the next couple weeks. I did advise XXXX that I would proceed with a CFPB complaint as well. My desire is not to get out of paying my loans. If I can find a way to make a reasonable payment, or to defer temporarily, that would be the best result until I receive income and can go back to making normal payments. Additionally, my contract did mention a minimum monthly payment of {$30.00}, which may or may not be relevant to my issue, but if this provision is implying that I could reduce my monthly payments to this amount, I would certainly be able to budget my loan payments. I have two loans total that were originally borrowed from XXXX XXXX XXXX and are now serviced by Navient. If there is any additional information I can provide please do not hesitate to contact me via telephone or mail. | ||||||
| 01/18/2017 | Yes |
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| I have been enrolled in Navient 's Rate Reduction program as of XXXX 2015. This program allowed me to pay low interest payments on what I thought was a decision based on my financial standing for over a 12 month period. Over the last few months, I have had problems with Navient withdrawaling out of an account I no longer gave them permission to do after joining my local credit union. After many follow up calls, each ending in " oh, it 's fixed this time. You 'll be okay for next month 's payment '' low and behold, Navient would automatically withdrawal from my account.When you initially call Navient 's general #, you reach a customer service representative who must have limited access to your profile. After talking to many of these consultants about these payments, it was months and many over drafts later that I discovered that my initial contact was not aware I was on A Recurring Payment Plan, instead of an Auto Debit. Another one of their options. For someone reason they were not able to tell the difference, to the point that they enrolled me in Auto Debit that resulted in dual payment! More recently, After receiving a call from my mother, telling me it was time to reapply after she received a call in the mail, I promptly called Navient to discuss how to do this. I was confused because weeks before I had already checked with one of these consultants who advised me that I did NOT need to reapply to this program. I call and spoke to several representatives until I finally reached someone who would listen to me. I told them I was on a recurring payment plan, and not auto debit and that I had a feeling I would need to reapply. They had to connected to to another department JUST to confirm this. After filling out a financial statement, I was told I had to have my co-signers call in. My father passed away XXXX 2015, and I do not appreciate being asked why my " co-signers WO N'T help '' when all they have to do is access my notes to see a death certificate they asked me to send in. My mother can not afford to help me with my payments, they were floored by this. I make under {$XXXX} a paycheck after taxes, pay {$950.00} to loans, {$1000.00} for rent and bills and groceries on top of that. I 'm constantly asking for financial help! Yet they calculated I have a surplus of income at the end of the month so raised my interest from 1 % to 2.5 %. This was the FIRST rate quoted me. I was not able to complete my financial statement because I had to return to work and I did n't have the last 4 of my banking account to verify. Understandable, even though Navient has no problem taking it out from the wrong account for 4 months straight. The 2nd Rate quoted to me was 3 %. Which astounded me. I spoke to a rep named XXXX. I told her I was going to call back because I needed to sort out my options. I called back today to give into the 3 % and decided I 'd see if I could make it work before sending in 3 months worth of personal information to this organization like I was advised to by the previous consultant. Today I was quoted a 4 % increase. That then within moments went up to a 4.5 % raise. I was not eligible for anything under 4.5 %. When he said they could submit to their supervisor to see if I could get it approved, I said okay., let 's do that. And I was met with " But there 's no way you 're going to get approved. I 'm telling you, they 're not going to approve you. '' I asked MULTIPLE times about fact checking my financial statement, and I was REFUSED! This company is unhelpful, sneaky and completely unorganized. And they are going to literally ruin my life. They are raising my INTEREST. This is n't even going to my principle payment. I am devastated. Thanks for nothing, Navient. | ||||||
| 08/03/2018 | Yes |
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Web | Servicemember |
| I am writing to advise of an ongoing discrepancy on my XXXX credit bureau report caused by their reporting of duplicate Sallie Mae Accounts. In XXXX, Sallie Mae launched an offshoot company called Navient. Sallie Mae split their business into two separate, publicly traded entities. The Sallie Mae Accounts accounts are the same accounts as the Navient accounts XXXX previously removed ( please see account numbers below ). They are currently reporting the above accounts as a account transferred or sold with {$0.00} balance for Sallie Mae duplicates of previously removed Navient Accounts. The Navient loans were correctly removed in XX/XX/XXXX, however the Sallie Male loans remain on my report. These accounts/loans were for Private Student Loans, which are unsecured loans and not federally funded, and therefore follow standard contract guidelines per FCRA. Documents from Sallie Mae and Navient show that the first payments were due in XXXX on the dates listed below. No payments were ever received on the accounts listed above, and therefore no re-aging should have occurred. Given these facts, I assert that your company is currently in violation of the FCRA as described below : Per FCRA 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. The below accounts were deemed delinquent the ( Date of First Delinquency ) DOFD dates listed below. Their representative keeps stating that the date of last activity was in XX/XX/XXXX, however DLA date is not the date that determines when an account should be removed from a credit report. FRCA states clearly states reporting is based on Date of First Delinquency. The 7-year period which is allowed under FCRA has since expired on all the below listed accounts. Regardless of Sallie Mae/ Navient choice to officially charge off the accounts at a later date, my protection under this rule does not change. In supporting my position, enclosed are copies of Sallie Mae Note Disclosure Statements, Navient Account History showing no payments, Navient Loan Details for each account listed above. DISUPUTED ACCOUNT # 1 Sallie Mae Loan # XXXX ( duplicate of Navient Loan # XXXX which was already removed ) Opened XX/XX/XXXX Repayment start XX/XX/XXXX, no payments made for life of loan DOFD XX/XX/XXXX FCRA 180 days +7 year period expired : XX/XX/XXXX DISUPUTED ACCOUNT # 2 Sallie Mae Loan # XXXX ( duplicate of Navient Loan # XXXX which was already removed ) Opened XX/XX/XXXX Repayment start XX/XX/XXXX, no payments made for life of loan DOFD XX/XX/XXXX FCRA 180 days +7 year period expired : XX/XX/XXXX DISUPUTED ACCOUNT # 3 Sallie Mae Loan # XXXX ( duplicate of Navient Loan # XXXX, which was already removed ) Opened XX/XX/XXXX Repayment start date XX/XX/XXXX, no payments made for life of loan DOFD XX/XX/XXXX FCRA 180 days +7 year period expired : XX/XX/XXXX | ||||||
| 08/31/2015 | Yes |
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| I have XXXX loans with Navient beginning in 2010 when I started college. I made it so {$25.00} came out of my account twice a month throughout my entire college career to get a jumpstart on my loans when I graduated. Three months ago, {$300.00} was taken out of my account on one of my payment dates. I 'm going to be honest with you, I never got around to looking into it and that was my fault. However, the following payment that had come out was {$420.00} and that was not something I was ready or able to afford. I spent countless hours on the phone trying to reduce my payments. As I had stated numerous times, I wanted to pay, I just could not afford the {$720.00} that they were asking of me but because my cosigners could afford the difference, they refused to help me. Since my cosigners do not pay any of my bills, I had to turn off my automatic debit and mercilessly plead with one of the representatives to lower my payments. After days of phone calls, someone was finally able to help me and lowered my payments by {$200.00}. They stated that I absolutely had to pay the {$550.00} fee for 3 months on time and in full otherwise I would be kicked back to my old payments. I stalked my accounts making sure that everything went through okay when it was time to make my payment and everything went smoothly. Since I had already paid {$420.00} that month they only took out {$120.00} from my account on XXXX XXXX. However, one week later I went on to my account to find that there was a message for me saying that I missed a payment. I immediately called and the woman said that it was just the computer not realizing that my payment had changed and she put in a request to fix it. By Sunday the message that I had missed a payment went away but it was back to my original payments that I could not afford. I called today and talked to about XXXX different people. XXXX woman said that my payments were going to continue saying that I was missing payments because Navient sends a report to collections on the XXXX of every month and since XXXX of my old payments was on the XXXX ( It is now on the XXXX ), I would be " missing payments '' every month. I asked to change my date of payment to the XXXX and the next man said he could do that, but it would n't go through until XXXX. I asked why I would continue to rack up these " missed payments '' ( that I WAS N'T missing ) and why they could n't just change on my account that I was now asked to pay {$550.00} each month. He was not very helpful, although apologetic, and said that it was not possible. I asked to speak to a supervisor who explained to me that because I am in the probationary period for my new plan that it would continue to say that I 'm not paying the correct amount until my three months were up. He was extremely rude in asking why it mattered if I had late payments and when I was asking if this month 's payments would also say I did n't pay online, he stated, " Well it 's the last day of the month so I 'm assuming you were asking about next month with that question. " I just can not wrap my head around the fact that I am a customer who is willing to pay on time, every month but Navient is making it impossible to do so. I have tried time and time again to get on my feet with these loans but it is like Navient has purposely put these ridiculous rules in place. All I am asking is to get my account to reflect what I AM paying and what Navient agreed I could pay because I have no idea why they would continue to state that I am missing payments when over the last 5 years I have not missed XXXX. Why would there be a different payment online then what Navient expects me to pay? Are they trying to add late fees and bad credit to my name for no reason? | ||||||
| 12/08/2015 | Yes |
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| Navient services XXXX of my private loans and XXXX of my XXXX loans from when I attended the University of XXXX. Over the course of the last couple years, as I have repaid the loans, I have noticed multiple issues with how the allocate payments and how the interest is applied. In particular, I have decided over the last half year to make a plan to pay my loans off in the next two years, and so made amortization tables and created a plan to pay off my highest interest rate loans first. I noticed that when I had been mailing in extra cash in addition to my normal payments, there were glaring inconsistencies in how the money was being allocated across my various loans, and I was unable to determine a formula that would explain why the extra cash was being allocated as it was - other than a general pattern : the highest interest loans were receiving the least additional payment. This stands in contrast to what I have seen from XXXX XXXX, whose policy it is to at least give even allocation, regardless of interest ( obviously the most generous to the consumer is to allocate to the highest interest first, but I would not expect a company to do this by default ). In order to correct this issue with Navient, I had them ungroup my loans so that I could pay each individually, and signed up for auto-debit to take advantage of the interest rate deduction. However, I noticed XXXX additional issues at this time. When I pay an amount in addition to my debit amount, prior to the due date, Navient issues a warning that the auto debit will still occur in that month ( in addition to my off-cycle payment ). This was not the case - when I submitted the additional payment, it was for my highest interest rate loans only, and those loans did not also have an auto-debit transaction. The issue with this is that unless I had been on top of watching my statements, the company was not charging my account as they committed to do, and therefore I would end up paying more interest over time on my highest interest loans. The other issue I had noticed at this time was that the interest amounts on my amortization table did not match the interest amounts that were being deducted from my monthly payments. I know that Navient has settled ( a ) suit ( s ) in the fast for nefarious interest rate practices, and I suspect that they are still being dishonest with consumers in regards to how they calculate and charge interest on their loans. My amortization table is calculated for daily compounding interest, and is accurate for my XXXX XXXX loans. To summarize, I have loans serviced by XXXX different companies : XXXX XXXX and Navient. XXXX XXXX is transparent, their website works well and based on how they allocate my additional payments and how the portion of my payment that goes toward interest matches my amortization table, I believe they are generally acting in good faith servicing my loans. On the other hand, I can say with a high degree of confidence that Navient lacks transparency in how it manages its student loans and actively places barriers in the way to its customers being able to manage the loans in the way that is best for them. My strategy with them is to pay off their loans as fast as possible because I believe they are not trustworthy with my debt, and I worry that there are many more consumers who are falling victim to these practices but just lack the tools and knowledge to see that they are being ripped off. Added together, over the course of me paying off my loans at the rate I was, allowing them to allocate my additional payments, I would have only lost several hundreds of dollars. But when you consider the total portfolio of loans they hold, that is a lot of money taken from consumers in an unfair way. | ||||||
| 01/27/2017 | Yes |
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Web | Older American |
| XXXX XXXX and Navient defrauded me by changing interest amounts from 0 and 5 % to 8 %, returning payments to me because they were " not enough '' and then ballooning and capitalizing my payments from XXXX to the end of the loan. After salary cuts I was unable to pay anything at all XX/XX/XXXX also, so they kept capitalizing and I kept complaining. Not being able to afford an attorney as the HUD investigator advised me to do, I was forced to keep capitalizing. By XXXX, my {$140000.00} loan had loomed to a staggering {$240000.00}. Then, XXXX XXXX gave it to Navient, who then added, without explanation, another {$100000.00} to it so now it is over {$350000.00} and I have no recourse whatsoever. They put me on a IBR, but that is slated to go away. Every month, they add {$1800.00} to me loan, that I am unable to pay because I never recovered a stable job since my lay off during the economic downturn in XXXX. I have tried everything with both of these institutions, senators, legal aid, attorneys and NO ONE helps. I can not afford rent, I am homeless and I have no savings. I had another part time job finally from XXXX till last week, when I became laid off again. I have had numerous XXXX that have landed me in the hospital many times over this. I have no pension and am XXXX worried about when I will not be able to work at all. I am XXXX this year. Here is a detailed letter I wrote to a religious ministry once in XXXX, it is dated and not well written because it caused XXXX. So please excuse the grammar and meandering : " I have been trying to financially emancipate myself for over 11 years, having done every responsible and exhaustive strategy to establish a foundation of debt repayment and financial security for myself. I have remained in Student Loan debt with my debt growing since XXXX, leading to my being without permanent work for 8 years, culminating in XXXX with homelessness. Laid off in XXXX, my professional career, which was always acknowledged with awards, and outstanding work evaluations in XXXX has been eroded and rendered nonexistent by the last 3 years of world and national monetary turmoil. The largest loan is my XXXX XXXX Student Loan which grows at the rate of {$1600.00} each month. Originally the loan amount was {$140000.00} which loomed into {$190000.00} as I could not pay the loan due to reduced salaries and work from XXXX through XXXX. I consolidated my loans in XXXX or XXXX with XXXX XXXX at the advice of XXXX Student Loan offices. The offer at the time was to take all my zero percent interest loans, which would remain at zero percent, and the 5 % loans, which would become 4 % loans and put in all into one consolidated loan. So I did so. I consolidated with XXXX XXXX online and noted immediately that they did not give me any kind of confirmation screen or duplicate contract for which I had just applied an electronic signature to consolidate all the loans at a zero and 4 % rate. Next, after calling immediately and requesting a copy of the agreement, they said they would send it to me and never did. Even after requesting it numerous times. Then within one month 's time at this time, they increased all of my loans in the consolidation to 8 % interest rates. I immediately could not pay what they were demanding for payment. There was no warning nor negotiation allowed. The original payment of {$600.00} a month turned into a required {$900.00} / month payment which I could not make. I made the {$600.00} payments for which they returned my checks stating that this was unacceptable and that I had to defer the payment and capitalize the amount on the loan or go into default. I thought I surely could find work and stepped up my efforts to find work. All to know avail. | ||||||
| 11/18/2018 | Yes |
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| I have now, for 4 months in a row, had the exact same conversation via the phone for how to specifically handle my payment, and for 4 months in a row Navient has botched it. This month, not only did they handle it improperly, but they increased the minimum payment terms of my loan, without my consent, and then withdrew an amount for autopay BELOW that amount, cause a " missed payment '' alert which I had to handle myself. I have yet to be advised on whether it was reported to the credit bureau 's or no, which would make this problem bigger than it already is. In XXXX, I wanted to increase the payments on my two loans to {$220.00} - with {$150.00} going to loan number 2 and the remainder ( {$77.00} ) going to loan 1. I called Navient, and during this first conversation, I was assured new payment structure was taken care of. That month 's payment date passed, and my auto-payment had not changed, so I called again. During the second conversation, in XXXX, the woman I spoke with informed me she couldn't understand what the other representative had done, and she had no record of the increase being requested. Furthermore, it appeared that my minimum payment was not set to what I was currently paying, which was not the case the month prior. I had been paying more than the minimum amount up until this point. She says she's unable to reset this minimum payment amount, as she isn't authorized to do so. The following month, XXXX, the amount of {$150.00} was withdrawn from my account and split evenly between both loans. I called, again, and explained this was wrong, again, and the representative again informed me the change would be applied. No change happened in XXXX, and so, I called AGAIN to discuss this issue. Additionally, at some point in the process, Navient began reporting the same loan TWICE to the credit bureaus, using identical loan numbers but one loan having additional digits at the end, so now I have a duplicate loan showing up on my credit report. I discuss this issue while on the phone. I'm told by Navient this is the credit bureau 's fault, but I know that can't be the case because I'd already spoken with all 3 of them and they informed me they're simply posting the reporting they are receiving. 2 bureau 's are receiving one loan ID and the other bureau is receiving another ID, so these loans show up in all credit reporting as different loans. These duplicate reports originated with Navient. During this phonecall, we walk through the history of the process to this point, detail exactly how I'd like my payment to be distributed, and exactly how I'd want auto pay set up. The representative assures me this time we're set up correctly, says she'll put a rush on it to get it applied before next payment, and apologizes for the issues I've experienced. This month, XXXX, Navient somehow increased the MINIMUM amount of my loan payment in my loan terms again, now to XXXX, withdrew the PREVIOUS INCORRECT AMOUNT of {$150.00} for auto payment, and emailed ME saying they haven't received payment. They payed XXXX to one loan and NOTHING to the other loan, so I had to log in today and take care of it myself when I received a notice of missed payment. To recap, my minimum payment was increased twice without my knowledge, but auto pay was never allocated correctly, so I'm now paying LESS than a minimum payment which is 4 times higher than what it was when I initially set out to get my payments changed. I'm now in the midst of figuring out if they reported a missed payment to my credit history. I have no idea what recourse I have, but I hope this can be useful somehow, to someone. Please advise if you are aware of any next steps I can take. Thanks a lot for your time, XXXX | ||||||
| 11/15/2015 | Yes |
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| I am filing a complaint against Navient for fraudulent accounting, discriminatory harassment against an individual with a documented mental XXXX, improper reporting to the credit bureaus, and mismanagement of my Department of Education loans.Navient has absorbed my Department of Education loans as well as ( XXXX ) Private Student Loans from Sallie.I attended and was enrolled at XXXX College from XXXX XXXX and graduated XX/XX/XXXX.I have been under the supervised treatment of a doctor for XXXX XXXX and XXXX throughout my period at XXXX College.At the time I was medicated with a drug which has since become the subject of a major class action lawsuit, XXXX, due to the serious cognitive side effects it has caused.I was negatively impacted by the side effects of these drugs, which included word recall issues and delayed cognitive processing.My parents oversaw the financial and logistical management of my student loans since my condition prevented me from understanding or independently signing legally binding documents.My condition has been communicated to XXXX College as well as Navient, which could be found on many recorded phone calls with Navient agents.My issues with Navient stem from XXXX College incorrectly reporting my graduation dates to the National Clearinghouse in XX/XX/XXXX.I was ineligible for graduation for class credit purposes and due to system error, was automatically reported as withdrawn XX/XX/XXXX.I was enrolled as a FULL TIME STUDENT in XXXX and eligible for a graduation date in XX/XX/XXXX.This error led to the acceleration of my student loans without a grace period. All letters were being sent to my CT address at that time, not my school address were I was still enrolled and with active attendance.I never would have or could have seen any letters from XXXX XXXX or Navient notifying me or the school of a possible enrollment error.In XXXX of XXXX I was bombarded with multiple calls from multiple agents at XXXX XXXX threatening legal action for nonpayment.At that time, I was unaware of any enrollment reporting errors and believed I was still in my grace period.I was making less than {$30000.00} at that time and recently graduated from school I was unable to meet the demands of these agents.The context of each call was regarding federal student loans, and a payment of $ 400+ by my father was made in XXXX that year with the understanding the payment would be applied toward these federal loans.XXXX incorrectly applied the loans to Private Student Loans, which at that time I had no knowledge of their existence, and defaulted in XX/XX/XXXX.I was not aware of these loans or their default until XXXX when Navient prevented me from paying my federal student loans online in XX/XX/XXXX due to " private loans being in process of litigation '' .I have addressed on multiple recorded phone calls that I require very clear and specific instruction regarding the status of my loans.I have received communication from Navient on multiple occasions regarding past due payments.I have acknowledge each time I have been on federal unemployent and during these phone calls offered deferment forms which were never sent.Their failure to fulfill these requests has led to negative credit reporting which has prevented me from finding affordable rental housing.I have attempted to work with the customer advocate at Navient this past summer to correct my enrollment dates when I first became aware of the error in XX/XX/XXXX when Navient prevented me from paying my Dept. of Ed. loans online. Despite the obvious and CLEAR reporting errors caused by XXXX College and Navient, Navient refuses to give consideration to my lack of a grace period and detract the negative reporting from XXXX which was a direc | ||||||
| 03/30/2022 | Yes |
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| Private Loans Upon reviewing my Private student loans and requesting promissory notes for three Signature Student Loans with Sallie Mae which is now Navient. I was given a hard time about obtaining proof of my loan for weeks I have been calling and speaking to representatives to let them know I did not take out these loans. Navient sent me three electric Promissory Notes/Applications. One of the applications was from XXXX XXXX and the two other notes were from Sallie Mae. This is truly the scariest thing to happen to me. I researched for the past few weeks and called to speak to different XXXX XXXXk student lending reps to make sure I was receiving the accurate information. Today at XXXX XXXX I called XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX I spoke to XXXX XXXX ( Im not sure if I can add his name but I do have his name upon further request ). I provided XXXX XXXX with three numbers at the top right corner of the form Customer ID Number:XXXX, the App Code:XXXX and lastly the Prom Code:XXXX. I was informed none of those numbers are associate to XXXX XXXX. I asked Representative for his full name and his position with XXXX XXXX so I can have documentation. He let me know he has worked for XXXX XXXX XXXX XXXX for over 8 years, which is located at the XXXX XXXX XXXX in XXXXXXXX XXXX. I XXXX his name while he provided me his history and it aligned with his XXXX account. XXXX XXXX ran my social security number, and nothing came up with me ever having a loan with them. He told me XXXXXXXX XXXX is a competitor to Sallie Mae so they would never sell the loans to Sallie Mae or work with Sallie Mae. He provided me with the XXXX XXXX XXXX phone number for Law Enforcement needs to reach out XXXX Option 1. I have three loans that I did not take out with Sallie Mae. I asked him for a letter verifying I never had an account with XXXX XXXX but if anyone needs to call and confirm with XXXX XXXX, they are more than welcome to. The other two loans under Sallie Mae were not authorized by me and an authorized school official didnt sign off on the loan. My mom is from XXXX XXXXXXXX XXXX XXXX and she never signed to be a co-signer for this private loan. My school provided Sallie Mae with this information. Ive called Navient numerous times complaining about the loans Ive struggled to pay over the years. I was told by Navient representative that she has heard a few stories about these situations, and she advised me to file a police report. I wanted to wait to receive the hard copy of the Promissory Notes to be sent to me. I was provided three notes that I will attach that were never signed by a XXXXXXXX XXXX XXXX XXXX XXXX official. These three promissory notes were electronically filled out. By Law the university must stamp and sign to verify that the funds being borrowed from private lender is necessary for the completion of my education and it was not. Another requirement of a student taking out a private loan is for the student to sign a Private Loan Self Certification Form which I never filled out. Lastly as stated on the Sallie Mae Website, XXXX XXXX XXXX XXXX should conduct an Exit Interview to review any loans taken out to support my education : this never happened. My school has not given me an explanation for this besides I have to reach out to my current servicer which is Navient previously Sallie Mae. I have copies of all the documents discussed in this statement. I have proof from my school website and from Studentaid.gov of all of the issues. Reaching out to XXXX XXXX and being provided the information regarding my student loan being fraudulent is a huge red flag for me and would like there to be an investigation of my university and also Sallie Mae. Thank you for your assistance. | ||||||
| 02/15/2017 | Yes |
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| I am writing regarding my Federal Student Loans from XXXX XXXX XXXX XXXX. I have been paying my federal loans every month since XXXX XXXX, first under FFEL and then under the XXXX consolidation program. My loans were first under XXXX, and at some point, my loans were sold to Navient. I have worked in the XXXX XXXX XXXX for over 10 years, since XXXX XXXX, and as a XXXX since XXXX XXXX. Specifically, I am asking for service credit towards paying my loans since I started paying them under the XXXX Consolidation program after I consolidated them with the federal government again in XXXX XXXX. I would like information on what my income-driven payments would have been prior to XXXX XXXX, when I was still with Navient. When I asked Navient about consolidating my FFEL loans, I had been given amounts that were so high that I could not pay them so I kept my loans under FFEL instead of consolidating them. That meant they could not qualify for PSLF. This did not make sense to me that the income-driven amounts were so high, but I was told that by representatives from Navient so I believed them. Once I did re-consolidate them with XXXX, my payment was much different than the estimate that had been given by Navient. In fact, my payment through XXXX was cheaper than my monthly Navient payment. In late XXXX XXXX, I spoke with Navient discussing PSLF and was told, for the first time ever, that my loans should be serviced by XXXX if I wanted to do PSLF, even though I had spoken with them about it on several occasions. This was also the first time that Navient gave me a realistic amount that I could pay through my loans instead of a very high amount estimated with income-driven. My loans were transferred to XXXX in XXXX XXXX and I started making payments. In XXXX XXXX, I turned in the PSLF Employment Certification. I spoke with XXXX about my loans, and for the first time ever, I was told that my loans were in the wrong plan and that I should be on an income-based plan. I understood from Navient that switching my loans to XXXX would put me in accordance with all that was required of PSLF and I would be placed in the correct plan. I had a few conversations with different representatives from Navient and then XXXX servicing and thought that I was consolidating with the correct plan. I paid every payment since XXXX XXXX at a monthly payment of {$270.00}. I have now changed plans to an income-based repayment plan and my monthly amount has increased only {$27.00}. I made more money in XXXX than in XXXX, so I believe the monthly amount would have been less in XXXX had I been in the income based. I would even be willing to pay the difference from each month 's payment in order to have all of those payments qualify. I previously paid {$330.00} a month to Navient for years. I am continuously frustrated that because my loans from XXXX were consolidated into Federal loans under XXXX, they can not count towards my service from the XXXX PSLF inception year because then I would only have this last year to pay until my loans would be forgiven in XXXX. I still have my other half of XXXX school loans that were private and not allowed to be consolidated with XXXX loans back in XXXX. I have been a XXXX for over 10 years and paid loans that whole time, yet much younger XXXX will have their XXXX school loans forgiven before mine even though I have paid 10 years already. I do ask that my payments be considered starting from the XXXX XXXX payments to be included towards my service years and that Navient be investigated for giving me incorrect information about estimates for income-driven monthly payments. I paid more to Navient under the wrong plan than I pay now under the correct plan and that does n't seem right. | ||||||
| 03/14/2016 | Yes |
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| Upon XXXX from XXXX school in XX/XX/XXXX, I consolidated by student loans into a single " Smart Loan Account '' with SallieMae. SallieMae issued a book of payment coupons that were to be submitted with each monthly payment. At no time did the coupons book contain any written notice or other information informing me how any over payments were to be processed or used by SallieMae, as is required by 34 C.F.R. 682.209 ( b ). At no time did SallieMae provide any written notice of the manner in which excess payments were to be treated by SallieMae, nor did any correspondence from Sallie Mae contain any portion of the language required by 34 C.F.R. 682.209 ( b ). In XXXX XXXX, I refinanced the mortgage on my house, and used some of the equity in the house to pay off the remaining balance of my consolidated student loan. An agent from the mortgage company contacted SallieMae, requested a pay-off amount, and was informed that the pay-off amount for the student loan was {$20000.00}. I subsequently called SallieMae Customer Service directly to confirm the pay-off amount, and was informed by the customer service representative that the pay-off amount was, in fact, {$20000.00}. We closed on the refinance on XXXX XXXX, XXXX, and the full {$20000.00} payment was received by SallieMae on XXXX XXXX, XXXX. The payment was not posted into SallieMae 's payment system, however, until XXXX XXXX, XXXX. By that time a delinquency notice was sent to me on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I called to complain about the delinquency notice. In that conversation, the SallieMae customer service representative confirmed that the payment was actually received on XXXX XXXX, but that, pursuant to its policy, SallieMae held all large payments for two weeks to ensure that the payment had sufficient funds. The Borrower Correspondence History report from that conversation notes that I complained about SallieMae 's policy of holding the money without crediting the account, and further confirms that I specifically informed the Customer Service Representative that the amount paid was intended as a " pay-off '' of my consolidated student loan. Pursuant to 34 C.F.R. 682.209 ( b ) ( 2 ) ( ii ), SallieMae must follow my direction and must treat the payment as a pay-off of the principle ; it can not treat the payment as an advance payment to the next payments due. At the conclusion of the call, the Customer Service Representative told me that the late fee would be removed from my account and that there was no longer any outstanding amounts owed on my account. Six years later, on XXXX XXXX, XXXX, I received a Notice of Claim from XXXX, who is now holding the loan, informing me that I was delinquent and being charged additional penalties. I repeatedly called both SallieMae and XXXX to obtain the entire file on my account, and after receiving the run-around for several months, I received a file that included SallieMae 's Borrower Correspondence History. The documents confirm all of the above facts, including my XXXX XXXX statement to SallieMae that my recent payment was to be treated as a " pay-off '' of the student loan. The document also show that, at the time that SallieMae initially received the {$20000.00} payment for my account, the actual balance owed on the consolidated loan was {$20000.00}. Accordingly, I actually overpaid in the amount of {$240.00}. Despite the fact that I complied in every way with my loan obligations and the Federal Regulations, I am now receiving notices that my XXXX paycheck will be garnished by XXXX for outstanding amounts on my student loan, plus thousands of dollars of penalties. My credit report also is showing that I am delinquent on my student loans, thus, hurting my credit. | ||||||
| 07/31/2018 | Yes |
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| Navient fraudulently and maliciously defaulted my federal student loans on XX/XX/XXXX. Here is a quick reference of my income : XX/XX/XXXX AGI = {$14000.00} ; XX/XX/XXXX AGI = {$23000.00} ; XX/XX/XXXX AGI = {$24000.00}. I was regularly paying on my student loans until I lost my job XX/XX/XXXX. I applied and received an income based repayment plan ( IBR ) for which my payment was XXXX dollars. I applied again in XX/XX/XXXX and received another IBR but it took two attempts to get it because they said they didnt receive my first proof of income when I first uploaded it. So I had to upload it again, uploading five paycheck stubs. The result was I had a payment of XXXX dollars again. In XX/XX/XXXX, I applied again for and IBR, and on the federal student loan website, It stated that based on my income my payments would be XXXX again. I uploaded five current paycheck stubs on my Navient account so that they could evaluate my income. I did not hear back from Navient until XX/XX/XXXXwhen they sent me an IBR ( which I had not looked at ) that stated that my IBR had been approved for approximately {$100.00} dollars a month. They also stated that I was five months past due since XX/XX/XXXX. But my IBR was approved by the FDLP XX/XX/XXXX which Navient ignored for five months. When I went on the Federal Student Loan website, I saw where it stated that I did not owe based on my income. Once I notified Navient that my loans were erroneously defaulted they denied my claim. Navient then completely wiped out all of my account information where as I could show that they had always had all my income information and correspondence. Ive gone through the entire Ombudsman for ( Navient, XXXX XXXX, and Federal ). The Federal Ombudsman only received information from Navient that would be in their favor. They did not hand over all my account information. As a result, the federal ombudsman did not help me. Biggest issue, if I received an IBR in XX/XX/XXXX when I uploaded my paycheck stubs and as a result my payments were XXXX dollars ( AGI = {$23000.00} ) ; what is the difference between my ( AGI = {$24000.00} ) for XX/XX/XXXX. The difference of {$390.00} makes a difference between owing XXXX dollars in XX/XX/XXXX and then owing {$100.00} dollars for XX/XX/XXXX starting in XX/XX/XXXX. Navient defaulted my loans based on 270 days of not paying on the loans I owed since XX/XX/XXXX. But I believe they did this maliciously because someone confused my private loans with my federal loans. I would never let my federal loans go into default. As a result of this, they are garnishing 15 % of my income that has put me in hardship. XXXX XXXX sent me a letter stating if I disagree with the garnishment to apply for a hearing. The letter was dated XX/XX/XXXX but I did not receive the letter until XX/XX/XXXX. I did not read the letter all the way down where there was a deadline, but I didnt think they would believe anything I said since I had tried to explain to them that my loans should have never been defaulted. I finally answered the phone from XXXX XXXX who is garnishing my wages because I wanted them to stop harassing me. They stated that they only wanted to tell be about the rehabilitation of my student loans. After approval of {$5.00} dollars a month, my federal student loans are in rehabilitation, but they did not include my internet, rental and car insurance in this assessment. I do not have enough money to buy food and barely have enough to buy gas. I have a little bit saved that will help me out until it dwindles. You will not get a straight answer from Navient. They are an unscrupulous company and have no morals. They know they should not have put my loans in default. I have attached supporting documents. | ||||||
| 01/09/2017 | Yes |
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| Hello. I have a formal complaint to lodge against Navient and am trying to go through the proper channels to do it. Here is what occurred : I wanted to send in a bulk payment of {$2000.00} in XX/XX/XXXX since some unexpected money had come in ( my aunt had passed away, and a small bank account was located with a couple thousand dollars ). I called Navient BEFORE I sent in the XXXX to get their assurance that the money would be applied toward my monthly payments ( which were {$110.00} at that time ) and not toward the principal. We discussed the time that payments would resume in XXXX or XXXX of XXXX. I received their guarantee that this money would be applied to these monthly payments which would have meant that another payment at that XXXX rate would not be due for a year and four months ( so around XX/XX/XXXX ). I sent in the payment of {$2000.00} on XX/XX/XXXX. I was asked to fill out the income-based paperwork in XXXX or XXXX of XXXX, and I submitted it. I made less that year than the previous year. I received notification from Navient that I would need to start making payments of {$55.00} in XX/XX/XXXX. I called Navient in XXXX and an hour and a half into the inquiry, the supervisor agreed with me that no payment was due until XX/XX/XXXX, in fact if the payments were calculated starting in XX/XX/XXXX at XXXX, the payment already sent in should be applied even past XX/XX/XXXX. The supervisor who confirmed that what I was saying was accurate stated that he would send a confirmation of the adjustment within ten days. The adjustment confirmation did not arrive. I called back and was given some story about the previous year 's payment schedule having ended after 10 months instead of the full year ( no explanation given concerning why that would have been true, especially since I always turn everything in on time and properly completed & no payment schedule before this one had been ended early ) and that my payments had reverted back to the originally threatened $ 300+ that would 've been the amount due if I had not applied for income-based consideration. Since they cited this 300+ amount as what was taken out as payment from the {$2000.00}, they had come up with monthly payments of {$55.00} being due starting in XX/XX/XXXX. I have not had time to say anything about this due to my mother 's sudden illness and consequent move from the house where she 'd lived for 28 years. That plus my job have kept me over-occupied until now. The bottom line here is that Navient lied to me at all points along the way and stole portions of my money that they were not entitled to. I 've been making the XXXX payments since XX/XX/XXXX since I have no recourse. I contacted the Navient advocacy group, and it turns out that the income-based program that I was in when I called them in XX/XX/XXXX has particular perameters that would have precluded the payments being applied past a year. They readily agreed that I was given misinformation but that they did not have the power to go back and adjust anything ; all they were willing to do was to pass on the complaint. It is my contention that Navient still is responsible for what I was told. They dispensed the misinformation upon which I based my decision about where best to distribute the money. I was trying to be responsible and have the payments covered almost up to when I retire in XX/XX/XXXX. I would have put the money toward paying off my credit card or toward the principal on my mortgage otherwise. They can not give people misinformation that people act on in good faith without being accountable. They ca n't tell people the wrong thing that results in loss of money on the consumer end and then just say sorry, sorry. Sincerely, XXXX | ||||||
| 08/31/2017 | Yes |
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| and a Master Promissory Note. I proceeded to state that I did not receive any documentation validating that how the creditor proved identity throughout the loan process, the documentation validating who received and cashed the checks for the funds, and also the account details of due dates for the loans, delinquency dates, and any payments received. I spoke with XXXX in the Escalation Department. She informed me that the loans became due XX/XX/XXXX and defaulted XX/XX/XXXX. She also indicated that there was never payment received on the loans. She also provided me with the Co-Signer listed on the loan. After receiving the information, I informed XXXX that the Co-Signer listed is XXXX. I called back on this date, XX/XX/XXXX, to request to have documentation faxed to me. I spoke with XXXX. She indicated that the loans defaulted XX/XX/XXXX. I informed her that I just spoke with XXXX and she indicate that the default date wasXX/XX/XXXX. XXXX indicated that she does not know where that date came from and why it was given. I asked for account detail. She retrieved the fax number and faxed the information. I called back on this same, XX/XX/XXXX, and spoke with XXXX in the Charge Off Department, I was also given a default date of XX/XX/XXXX. I explained to her that I was previously given the date XX/XX/XXXX and also reviewing my credit report, the date XX/XX/XXXX is listed as the default date. She indicated that is the date of first delinquency. I also asked about payments on the account. She responded with the last payment being XX/XX/XXXX by the Co-Signer. I told her that speaking with XXXX, I was told that there were never payments made on the accounts. I also explained to her that XX/XX/XXXX is IMPOSSIBLE due to the fact that the listed Co-Signer XXXX in XX/XX/XXXX and I did not take these loans out therefore nor had any knowledge of these loans. I believe that Navient are trying to illegally re-age these accounts. She proceeded to inform me that I should be receiving the account details by fax. She ended with providing me with the number to the Fraud Department. I called the Fraud Department and they were closed. I called them back on XX/XX/XXXX to inquire how to proceed with a claim. I received the fax of the account details. The account details only went back as far as the date XX/XX/XXXX. If the accounts ( which again I do not have any knowledge of ) became due XX/XX/XXXX and there were no payments received on the accounts that would make the date of first delinquency XX/XX/XXXX per FCRA not XX/XX/XXXX. The significance of the referenced dates is based on the credit report periods set forth in the FCRA. The FCRA sets specific periods for adverse items reported to your credit report, after which they can no longer continue to be included in your CR. Those dates are based on the date of occurrence of the type of adverse item, not upon when they are reported or any subsequent action on the part of the one who reported it. For monthly account delinquencies, they must cease to be included in your CR after 7 years from their date of first delinquency. Charge-offs have their own peculiar date for CR exclusion, which is based on ONLY one date ... the date of first delinquency on the account that led to the charge-off. The Date of First Delinquency is fixed by the first delinquency in the most recent chain of account delinquencies with the preceding the charge-off. How can an account become due on XX/XX/XXXX and the Date of First Delinquency be 7 months later? Also, if the accounts were originated in XX/XX/XXXX and Navient keeps insisting that they are my accounts, which again these are not my accounts, then why am I being told the date the accounts details start are XX/XX/XXXX? | ||||||
| 08/31/2016 | Yes |
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| I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I was unable to afford the school tuition on my own so I had to take out student loans. When filling out the applications at the school I was ensured that all of my loans would be federal student loans with low interest rates. I never had a choice in who I was taking the loans out with or what the terms were. I was just given the application to fill out. I had no knowledge that I was taking out private loans for my tuition until after I stopped attending school and they became due. During my program at XXXX I was having financial difficulties due to trying to work full time and go to school full time. I spoke with the head of the XXXX XXXX department about the possibility of having to drop out of school to get a part time job. He directed me to speak with one of the financial counselors and was very adamant that quitting the program would be a huge mistake and school should come before anything else in my life. When I spoke with the financial counselor she told me that I could take out extra federal loans for living expenses while I was in school. She said these loans were made just for people like me who needed some extra help while in school and struggling financially. She said they would be just like the federal loans I had initiated for my tuition but were just with different banks. She gave me a list of websites to use and gave me all of the school documents that I would need to apply for these loans. I was assisted in applying for these loans at the school. I was made to feel like I had no choice. I was essentially bullied into these loans that I am now stuck with. During the course of my time at XXXX I took out XXXX private student loans for living expenses that I thought to be federal loans with low interest rates. Also, I have XXXX private loan that was used towards my tuition at XXXX. All of these loans were explained to me as being federal loans with low interest rates that I could get payment assistance on if ever needed after I was out of school. I was pushed into these loans when I discussed my financial difficulties and my desire to end my attendance at the school with the faculty there. I was forced into bankruptcy in XX/XX/XXXX because of these student loans and have been paying them diligently every month. I have a very good job and make a decent wage but am unable to move forward with my adult life because of these loans. I can not buy a home because my DTI is too high even though I now have outstanding credit. Had I been told the truth about these loans and the implications of getting them, I would have never done so. I was lied to about the type of loans I was getting and the interest rates I would get. Also, there is no way when I took out these private loans that I showed with my pay at the time that I could afford to pay these back. I feel as though there were predators on both the lending side and the education side. Thousands of dollars were so easily accessible to someone young who is just trying to get an education and believing in what they are being told by the school they are attending. They clearly had no qualms about getting me into over $ XXXX in debt at a very young age because they were retaining a student who would continue to get loans to pay the tuition. All they cared about was getting my money. These loans have essentially ruined my financial life. I am XXXX years old and am unable to buy a home or start a family because I still have many years to pay back these loans. I am currently trying to refinance these loans to have a lower payment which has been very tough and stressful. I was taken advantage of by this school and these lenders just to try to better my life with an education. | ||||||
| 11/01/2018 | Yes |
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| I have been making monthly payments on my student loans for the past 3 years. About every 4-5 months they would raise my payment and I wouldn't get any type of pre-notification. Every time this happened the only reason I found out the monthly payment went up is because I'd receive a call from there collection department stating I was behind on payments. I would then have to call Navient and go through several different departments/people to get my payment back to what it was. I recently lost my job and contacted Navient as soon as I found out I was losing my job/income. I was told there wasn't anything they could do for me and that my account would be sent to collections. I hadn't ever been late or missed a payment ( other than what they considered default when I wasn't aware my payment went up ). I called several times throughout the next few weeks as I didn't want to default as my parents were co-signers on my loans and were in no position to make the monthly payments either. Still after calling almost daily Navient refused to help me or give me options to prevent my loan from going into default. Two months after I lost my job I began getting phone calls from Navient from XXXX daily. I would speak to someone and told them again I lost my job and was more than willing to try and work with them. The only answer I ever received, was that I should contact family or friends to help me out until I could find a job. My parents also starting receiving threatening phone calls and actually remortgaged their home to bring the loan current. They both rely on SS to live month to month and agreed on a payment that was much more than they could afford but Navient again stated it was the only option. I just received a call from a collection agency on behalf of Navient again today. Seems as though my monthly payment was again raised and we are now once again considered delinquent because the payment sent in is different than what the new payment is. It has been three months and I just received a call that were behind. Again the new payment is something that myself nor my parents can afford. I called Navient immediately and was told I had a reduced payment applied to my account twice already so therefore I wasn't eligible for another. So once again Navient can't do anything to assist me and offered no solution to lower the payment. Instead I was told again that it would be reported to the credit bureaus and I would continue to incur late fees and higher interest rates on the balance due. Sallie Mae/Navient has done nothing but destroy my credit from the beginning!!! They reported to the credit bureaus in the beginning when I first started making payments, that no payments were being made and that I was in default. I had been making payments for a year and a half when this was being reported. Navient continues to be allowed to change payments and interest rates without informing the borrower and then blaming the government. I also haven't ever received the correct payment amount on my monthly statement. I also have two different interest rates as I have two loans with Navient. How is that they can charge higher interest rates on one loan over the other. My life is consumed by worry and regret from attending college and making the horrible decision of choosing Sallie Mae/Navient as my loan servicer. I would advise any future college students to steer very clear of anything Navient!!!!! I don't disagree that I owe for my student loans, however I do disagree with them being allowed to assess huge amounts of unnecessary interest and change monthly payments. I've already almost paid the original loan amount off in just the interest that I accrued in the last 3 years from the supposed default. | ||||||
| 04/03/2017 | Yes |
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| I got loan w/Navient XX/XX/2017. XX/XX/2017 I got call at work, XXXX from " Navient Consolidation Dept. '' Caller ID XXXX, he gave XXXX. I assumed real Navient, so I called back fraud # & spoke w/XXXX. She said helping fix interest rate at 3.45 %. She filled out form for Federal Direct Consolidation Loan Application & Promissory Note XXXX Federal Direct Loan Program. She knew my personal info & sister 's name for reference, I updated sister 's & mother 's info. She sent doc from XXXX. She had me sign twice & email back. She said she would call back, never called, I called her. XXXX & XXXX said she was not available, talk to XXXX or XXXX. I said I will only speak with XXXX. XXXX said he would send her email to call me. I kept calling, no response. Friday I called Navient from phone # on loan bill XXXX. I told XXXX I was concerned about possible Navient fraud. I gave her info, she researched " Navient '' reps ' names, phone # s, she said these people NOT with Navient, phone # 's NOT Navient phone # s. She said Navient does NOT call clients for new loan, alert authorities to potential fraud. She put alert on my Navient acct. I called XXXX ( membership through my employer ). XXXX said file fraud alert & credit freeze w/credit bureaus, complaint w/FTC, police report, so I did. Sheriff 's Deputy took report about potential fraud. XXXX had called & left VM to call # or her personal # XXXX for questions. Caller ID read XXXX ( Indiana ). Deputy said call toll-free # to see how they answered. With speakerphone on I called " Navient ''. He answered " Navient how may I help you? '' I asked to speak with XXXX, he asked for SSN. I said returning her call. I spoke with her about loan. She knew personal info, payment amounts, payment dates, my real loan #. However, loan # listed on loan app NOT my loan #. Fraudulent loan app : Loan Code : GS, Loan # : XXXX, Amount : {$7000.00}, Loan Holder : Navient, XXXX, XXXX , PA , XXXX, US , Phone # : XXXX. I asked why loan # on app differed from real loan #, she said it was a glitch. Deputy stated who he was, she responded saying call may be monitored & recorded. He asked if she worked for XXXX party company, what company she worked for, she said Navient. He asked for her # s ( XXXX/XXXX ) & manager 's name & # " XXXX '' ( XXXX ). He asked for address, she said " We have so many, let me put you on hold. '' She then said XXXX, XXXX, PA XXXX. He asked how she got client names. She said when people went out of rehabilitation from default loans she helped them get good-standing loan ( I did that 3 months ago with real Navient ). I said I want to cancel loan consolidation right now. She said ok. Deputy told her to send Navient email w/her name, she said not allowed to do that. I called my mother & sister to tell them of potential fraud, both had same response. They both said alright, wait I got weird call last week. When I answered the other line was ringing, when it was answered they asked about student loan. Both mother & sister hung up. Monday I called Navient to add passcode to acct because anyone can access my acct with SSN or loan #. I made passcode & XXXX added to my Navient acct. I thought it was fake loan app. XXXX informed me of active consolidation loan app in my file ( same info from fraud loan app ). She cancelled it, said call CFPB to file complaint. Tuesday I called CFPB, he said call Navient to get company name, banker, lender name, any info about who submitted loan, consumerfinance.gov to file complaint. I called Navient for info about who submitted the loan. He said Navient does n't approve loans, they just service loans. Loans are submitted through studentloans.gov, someone must have submitted loan in my name through that website. | ||||||
| 08/16/2018 | Yes |
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| When I entered collage in XX/XX/XXXX my parents received a loan from Sallie Mae. After College my loan was transferred to Navient. From XX/XX/XXXX-XX/XX/XXXX I was on a payment plan with Navient in which I was paying {$120.00} per a month for my loan. At the time I was working for XXXX and based in my income the company determined that was a suitable payment amount. In XX/XX/XXXX I got accepted into law school. I contacted Navient in XX/XX/XXXX to inform them that I was enrolled in school. The representative told me that I qualified for in school deferment. In XX/XX/XXXX I began receiving calls from Navient demanding payments on my loans. I informed the reps that I was in school and qualified for deferment. The rep at that time stated that she did not show that I was enrolled in a in school deferment program and stated she would enroll me. This enrollment marked the second time a representative stated I was enrolled in the deferment program. In XX/XX/XXXX I began receiving calls from Navient reps again. I was informed that the loan my parents signed in XX/XX/XXXX did not allow in school deferment. The loan the selected stated we would have to make intrest payments throughout the life of the loan. The rep informed me that my monthy payements would be {$210.00}. I stated to the rep that because I was enrolled in school and not working, I would not be able to afford a {$200.00} payment. I informed the rep that I was previously enrolled in a payment plan that allowed me to pay {$120.00} per month. I asked in I could get back into that program. The rep informed me that I could and stated that he would enroll me in that program. I began making my normal payment. In XX/XX/XXXX I began receiving calls from Navient informing me that i was deliquent on my loan. I told the rep that i was making payments of {$120.00} due to my payment plan. I was informed that I was not enrolled in a payment plan and that my in school deferment status still meant that I had to make interest payments.This rep gave me several options. She informed me that I could remove my in school deferment and see if I qualified for payment options. Navient does not allow the opportuity to be enrolled in deferment and on a payment plan. I was asked a series of questions regarding my employment and finances. I was told that my info could take up to 30 days to process. I did not make any payments until I was contacted regarding the status of my loan. Since XX/XX/XXXX I have been informed that my loan is still on the in school deferment status and that there had been no recollection of any rep submitting a payment plan.I have spoken to multiple reps who all continue to give me the run around. In addition my delinquency has just been reported on my credit report. I can not afford to pay this company {$200.00}. I can afford to go back on the previous payment plan I was on. I am seeking help because I want to make a payment and am willing to pay but I cant pay the amount that they are requesting a month. As I stated I am in law school. I can not have any negative reporting on my credit report because that will prevent me from taking the bar. Navient has in no shape or form tried to assist me with lowering my monthly payment. Every rep I have spoken to has given me the run around. Today is XX/XX/XXXX and I have spoken to my account manager. Last week when i spoke to her she informed me that she would give me call back to verify the removal of my in school deferment ( somethingI have been attempting to complete since XX/XX/XXXX ). When I spoke to my rep today she didn't remember the conversation we had ... but she remembered to call me back demanding a payment. This is affecting my schooling and studies. Please help! | ||||||
| 10/19/2016 | Yes |
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| I am currently under the rate reduction plan for my student loans. I have spoken with numerous representatives at Navient on how it would affect my credit if at all. I was told that as long as I made my payments for the months, that there would never be a negative effect on my credit report. I set up this plan in XXXX, and in XXXX. I paid on the dates of XXXX XXXX, and XXXX XXXX. When I made the call on XXXX XXXX to have my payment moved TWO DAYS. At no point did the representative inform me that my accounts would then be retroactively stated and become delinquent. I was again told that as long as my payments were made, that it would not affect my credit. If I knew that by changing my payment date by two days that It would have the result it has. I would n't have done it. This week, while checking my credit report, we noticed that there is a 60 day delinquency notice on your reports for XXXX of my student loans. In the history of our payments, my accounts have never been 60 days late, never even XXXX for FOUR YEARS. Navient now has XXXX of my loans reporting a delinquency status, negatively affecting my credit report. It has lowered it by XXXX points. My credit report affects our jobs ( both mine and the co-signers ' ) that was ever measure has been taking to never pay it late. This inaccurate report can cost use our jobs ( government accounting jobs ) Therefore, not allowing us to make XXXX to my loans at all. Again, in the history of my loans, I have never been even 30 days late. Once more, Had I been told it would affect my credit report I would have never moved the payment date, it was just a convenience for me. Furthermore, my co-signer, ( who has a notarized sworn testimony ) has never received any written correspondence ( as requested ) to her mailing address, addressing any delinquency on the accounts, not any changes to the terms of the account. She has received other correspondences from Navient, ( as seen from the attachments ), with the correct address. however, conveniently for Navient, they decided to send delinquency notices to a residence we have not lived in for 10 years. If the co-signer would have received information of the new payment plan and of any delinquency, the co-signer would have taken the appropriate steps to make sure the account stayed current. Including having paid on the XXXX the insure a current account. By not sending this information to the co-signer, Navient has failed to allow the co-signer to fulfill their obligations as a co-signer, and fulfill their liability. Lastly, Navient has my loan payment set up on the XXXX. Navient reports to Credit agencies on the XXXX. Payments can take 3-5 days to process ( as told to me later by a rep ) So if it takes a couple days for your payment to process, as it did in my case, and goes past the reporting date. They will say that you are 30 days past due. This is a perfect example of a lender, working against you and not for you. I have never in the 6 year history of my loans been late. and the day I switch my payment TWO days for a convenience, Navient says that I am 30 days late on XXXX loans due to the program that I am in. I was never late on paying whilst in the program either. Complete falsification of my credit. You can imagine what it did to my credit score. Navient never correctly sent anything to my cosigner or informed them of the change in the payment plan, the payment date, or anything. Navient sent the paper work to an address that we have n't lived at for 10 years. Had Navient been diligent in their paperwork, the cosigner would have been informed of any late payments, and taken the steps necessary before it was reported. Bad service by Navient, should be more transparent. | ||||||
| 12/23/2018 | Yes |
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| XX/XX/2018 SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Current Creditor : Navient Solutions LLC Debt Description : XXXX XXXX Account Number : FDR Account Number : NES Account Number : Balance : {$6100.00} To Whom It May Concern : I have been contacted by your organization by letter ( dated XX/XX/2018 ) received on or about XX/XX/2018, attempting to collect on the above referenced debt. As discussed on my phone call to your office on XX/XX/2018, I filed for bankruptcy under Chapter XXXX of the United States Bankruptcy Code, on XX/XX/2018. The account referenced in your letter and as outlined above was discharged under bankruptcy, case number XXXX, in the U.S. Bankruptcy Court for the Northern District of Ohio on XX/XX/2018. I have enclosed a copy of the Order of Discharge ( Official Form XXXX ) XX/XX/2018, for your reference and a copy of page 8 of the Schedule E/F : Creditors Who Have Unsecured Claims ( Official Form 106E/F ) showing the above referenced debt listed on the debt schedule. I believe the current creditors attempt as well as your own attempt to collect and/or induce payment on this otherwise discharged debt is in violation of the Courts Order and the Bankruptcy Code. Discharge Orders extinguished all education-related debt that was not excepted from discharge by 11 U.S.C. 523 ( a ) ( 8 ). As you and the current creditor are aware of this discharge and know, any attempt to collect on a discharged debt is in violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Bankruptcy Protection Law. Although a debt collectors knowledge or intent is irrelevant, by sending this collection notice to collect on an uncollectible debt, I believe you and the current creditor listed in your letter also mis-stated the character and legal status of the discharged debt, and violated the FDCPA, specifically 15 U.S.C. 1692e ( 2 ). I demand your organization as well as the current creditor referenced in your letter cease all collection efforts of the alleged debt and immediately stop and remove the reporting of this account as delinquent to the major credit bureaus. Any attempt to report this account as delinquent to the major credit bureaus is an attempt to compel payment - also a violation. I will be documenting all illegal actions and violations by contacting and filing complaints beginning with, but not limited to, the organization ( s ) listed below. Furthermore, you are hereby notified that at no point in time and under no circumstances is your organization ; an employee of your organization ; a representative for your organization or affiliates ( which includes the current creditor you identified in your letter ) to contact me or any member of my family by any means other than in writing via the US mail system. I also hereby reserve my right to take any legal action including private civil action against you and or the current creditor to recover damages. Respectfully, Enclosure ( s ) : Order of Discharge ( Official Form 318 ) XX/XX/2018, Page 8 of Schedule E/F : Creditors Who Have Unsecured Claims ( Official Form 106E/F ), cc : OHIO ATTORNEY GENERAL CONSUMER COMPLAINT DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX NAVIENT SOLUTIONS , LLC . XXXX XXXX XXXX XXXX XXXX, VA XXXX NAVIENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX NAVIENT ATTN : BANKRUPTCY XXXX XXXX XXXX XXXX, PA XXXX NAVIENT CORP XXXX XXXX XXXX XXXX, DE XXXX NAVIENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX | ||||||
| 12/21/2018 | Yes |
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| My issue started back in XXXX when I was directed through The XXXX XXXX University to borrow a private loan through Sally Mae in two separate disbursements of {$15000.00}. I started repayments simultaneously through direct deposit from my military account four times ( 2 times while attending The XXXX XXXX University and 2 times a XXXX University. Each time Navient would stop the payments without telling me. So the military prohibited me from doing anymore allotment to them. However, Navient lied, saying the military stopped it, later to admit that their policy is to stop all payments when the student is active in school. It was not until I received a credit report and a lender officer, threatened to file a case against me, if I did not began paying on my loan. In XXXX, I found out that the second loan had been disbursed to The XXXX XXXX University, and at that time I had stopped college, due to my mother passing. The college, nor Navient notified me of the loan. The XXXX XXXX University was charging me student fees for failure to re-enroll quarterly and had charged the fees against the loan, up to {$3000.00} dollars from XXXX. I found out when I received out dated mail of canceled checks The XXXX XXXX University attempted to mail me years back. Initially when I contacted The XXXX XXXX University numerous times, they denied ever receiving the funds. Likewise Navient denied for XXXX them. Finally after I threatened each with lawsuits, they worked together silently to settle the issue, excluding me. However, I was still charged interest fees. At the same time, the first loan they had stopped my allotments to built up massive interest. Navient stayed " Hardcore '' saying everything was my fault. The customer service representatives treat you like you have mental issues, talking down to you as a customer. Before you can State why you are calling, they demand all your perusal information ( Name, date of birth, social security number, present address, loan number. Then they go straight into how much you owe and ask if you are ready to pay the full amount due ). For years they never told me what the minimum payments were, when they were due. They had basic service fees of {$50.00}, as now, tacked on my payments, plus interest on those basic service fees with daily interest. But in the column amount due stayed XXXX. Finally, they told me a minimum of {$120.00} was due monthly, but after service fees and interest, no more than {$30.00} dollars went towards my repayment. They never notified me of and lower interest rates, nor notified me of how they worked my loans with The XXXX XXXX University. Both were in concert ripping me off silently. I was even threatened, if I paid my loan off early, by phone twice, I would receive a pay off penalty. Presently I've doubled my payments, begging people to help me pay my loan. I play saxophone in the streets and other places, being a XXXX vet, to pay back the loan. When I contacted Navient 2 weeks ago, I was told to stop making payments, because I was 8 months ahead and they was dropping my payments from {$120.00} A month to {$100.00} a month. I pay from $ 200-300 A month. However, I never received an actual letter stating this change, nor does it reflect on the billing statement, it was just a verbal conversation last month. The statement shows no payment due, no late fees, but shows the basic monthly service fee of {$50.00} and daily interest, that continues even though one is in school actively like me. I've complained 3 times in writing from XXXX. Previous complaint filed XXXX XX/XX/XXXX Note : The XXXX XXXX University has yet to say anything else about the matter. The present president of XXXX has never responded to my claims. | ||||||
| 09/07/2022 | Yes |
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| Key points with more details below. 1 Was told these loans were not private when originally consolidated. 2 Was told I can't discharge in bankruptcy because federal student loan. 3 Was told I could have stopped payments during COVID relief period. 4 Was told no I can't get a refund for those payments made because it's a private loan. 5 My interest rate is higher than I remember it was supposed to be,. But my memory could be inaccurate. 6 Was told they can't produce original loan paperwork. 7 Account info Navient XXXX XXXX XXXX I am 15 years or so in repayment. When I consolidated thru XXXX XXXXXXXX I was told in no uncertain terms that it was not a private loan, that's why it consolidated into two loans, one for subsidized and unsub loans. All federal loans and still will be federal loans. The debt sold to Navient some years ago. I thought I should have been at 2.85 % from a .5 % discount for my automatic payments. But I am at XXXX somehow, they say I have a 1 % discount for autopay and the interest would be XXXX otherwise, but I don't remember anything anywhere that put me at or over 4 % before the autopay discount. I read directly from the federal student loan web page in one of the articles they published about getting a refund for payments made during the COVID relief period, being as I've only worked a couple weeks this year and my unemployment has run out, I can really use that money until I get more work, in construction, a little fall work is all I can count on until next spring at this point. I was told and found out XXXX XXXXXXXX lied to me when they said the consolidated loans were not being private loans in any way. Navient says even though I could have stopped making payments during the relief period that I can't get a refund for payments made. But the loan isn't so private that I can have it XXXX in a bankruptcy. I don't understand how Navient can hold my loan that didn't originate with them, get all of the lender protections for federal student loans but I can not get money back that I didn't have to pay and not be able to discharge this debt in bankruptcy like any other private loan .... But they assured me it is a private loan for me but they retain the federal student loan protections for lenders. Navient can not produce the original terms of my loan and my personal records of it were destroyed from water damage that led to a pile of mold in the file cabinet of what was a good amount of various records including my copies of loan paperwork. So is there anything I can do? Any recourse? How do I find out if what they say about me being ineligible to get a refund on payments I made that I was not obligated to make is accurate. That they acknowledged I did not have to make those payments, but am not able to get a refund for those I did make does not make sense. Sounds like with the potential for loan forgiveness they do not want to give back any money they got from me. Had I not had such a stretch of unemployment I wouldn't be looking into this as I am all about paying what I owe, but there is help for people who need it, and I need it. And is there anyway to get my original loan terms from these lenders, they say they don't have the documents but I bet if I could sue to not pay another penny without those they would find them real quick then. Just saying they exists somewhere and if they were motivated enough, they could produce them. XXXX XXXX XXXXXXXX XXXX ED placed your ED-owned student loans in a temporary payment suspension that started XX/XX/2020. This means you dont have to make monthly payments during this time. If you made a payment during this time, you can request a refund through your loan servicer. XXXX | ||||||
| 04/10/2016 | Yes |
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| Back in 2003, I returned to college at XXXX years old to change careers from working in XXXX and went into court reporting to get a better paying job and hopefully help secure my eventual retirement. Advancing my XXXX degree in XXXX XXXX would not offer enough pay to offset school loans and why I decided to try court reporting school at the XXXX XXXX XXXX XXXX in XXXX, Oregon because they said the job started out paying {$40.00} to XXXX upwards to a XXXX figure income eventually and the course would be completed within 2-3 years. I had already attended XXXX school for a year, but figured I still had enough financial aid to cover 2-3 more years and therefore signed up. In short, I and about XXXX other students sued the XXXX XXXX XXXX XXXX for breach of contract after finding out the XXXX XXXX XXXX XXXX said on average, it takes 5-7 years to complete the course and we won a judgement against the college 's insurance company. Of course, the insurance company denied culpability, our attorney dropped out not having resources to fight an insurance company, and none of us have found any attorney willing to take on the contested judgment. After 4 years of court reporting school, I ran out of financial aide and had to quit school. Now, although I was able to get out of my counseling job paying {$13.00} an hour after 12 years of service with that agency, now as a sales consultant I am paid {$15.00} an hour and have about {$100000.00} in student loan debt. I recently consolidated my Federal loans and waiting to hear approval for an income based repayment plan, but Navient and XXXX XXXX do not offer alternative affordable payment plans. I sent in copies of all my bills, a payment stub, a copy of the judgement and a letter explaining everything to Navient and XXXX XXXX, but say that according to their rates, I should be able to make their payments. In attempting to avoid default and have been a month behind for at least the last 4 months, I found a roommate to share expenses a month ago, but with moving expenses and new apartment deposits, I am still struggling with being able to make payments. XXXX XXXX suggest that once my federal loans get finalized, I should apply for a forbearance to catch up with them, however at the rate of both Navients and XXXX XXXX expected payments, I will run into the same problem once that forbearance is done. And their lack of willingness to work with students shoves the interest rate accumulation to the federal loans when doing a forbearance. Both Navient and XXXX XXXX call me, on average, 4 days a week, 3-4 times a day and while I am at work. Despite my repeated explanations to them that I can not take phone calls at work and repeated explanations are given each week, they continue the repetitious calls until I make a payment and then a week and a half later it starts all over because by then I am a month behind again. I am now a XXXX year old woman and under incredible stress with all of this resulting in XXXX car accidents last year sky rocketing my insurance rates and still with attempts to reduce my living expenses, I have been depleting what little retirement I had from my Mutual funds and IRA to be able to meet living expenses. At this rate, there will be nothing left way before I get to retirement age. My immediate concern is that Navient and XXXX XXXX will eventually garnish my wages despite everything I am trying to do. I have just basic living expenses and no car payment or credit card bills and still ca n't meet their school loan payments. Apparently, obtaining a legal judgement is only as good as how much money you have to fight big corporations holding vast wealth. I do not know where else to turn and desperate for help. | ||||||
| 03/06/2021 | Yes |
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| Dispute pertains to the wrongful assessment of penalties fees and fines from SallieMae/Navient failing to accept my Income Based Repayment Plan ( IBR ) application from XX/XX/XXXX, XXXX XXXX, XXXX. My dispute has been on-going since XX/XX/XXXX where my loan holder Sallie Mae now Navient refused to accept my income base repayment plan application or otherwise disclose any legitimate reason for its failure to accept my application until XX/XX/XXXX. Once finally approved on XX/XX/XXXX, payments due were to be {$0.00} from XX/XX/XXXX, XXXX XXXX, XXXX. On XX/XX/XXXX, I submitted a letter to Sallie Mae detailing the history of events and the extraordinary impact their failure to assist me was causing. Multiple telephonic discussions with representatives occurred wherein I requested redress and removal of penalties fees and fines. Acknowledgment of inappropriate application of penalty fees and fines were made with retro-active forbearance, but forbearances provided kept listing incorrect dates. Specifically, a forbearance was provided on XX/XX/XXXX for time frame of XX/XX/XXXX, XXXX XXXX, XXXX. This did not fully account for the entire duration of failing to accept my application and granting me access to the IBR plan. I spoke to a representative again and on XX/XX/XXXX, I received a forbearance for time frames XX/XX/XXXX, XXXX XXXX, XXXX, which were the wrong years. ( By this time I was on the IBR plan specifying {$0.00} due each month : there was no need for a forbearance for those years ). Representatives seemed to never record the correct date. Also, representatives conveyed telephonically that the amount of {$590.00} could be submitted in settlement of this dispute. I remitted payment in the aforementioned amount with the understanding that I maintained my dispute of penalty fees and that remission of payment was made only to prevent further accrual of other fees. SallieMae/Navient applied this amount to private loans without my consent. As a result, I submitted a XX/XX/XXXX letter objecting to allocation to private loans and requested that the {$590.00} be credited to the appropriate account and that the amount of {$590.00} be returned to me upon resolution of disputed late fees. SallieMae/Navient applied the aforementioned amount to federal loans, but otherwise refuse to settle or address disputed late fees and persisted in assessment of penalty fees. At no time, has SallieMae or Navient informed me that penalty fees were associated with any other matter outside those resultant from their purposeful failure to accept my IBR application in XX/XX/XXXX. Please note that during years of XXXX and XXXX I was recovering from the passing of my husband. I had shared this with representatives during this time frame and asked them to help me and work with me. SallieMae and Navient did the opposite and purposefully denied me access to federal programs. They engaged in high pressure and deceptive tactics to deny me access to plans that would assist me and illicit payments outside of good faith understandings and my then existing IBR plan. They were predators at a time when I needed grace. Years have gone by with no recourse or access to dispute resolution. Impacts due to student loans have resulted in negative credit reports ; loss of an employment opportunity on XX/XX/XXXX directly related to student loan reports on my credit history ; significant emotional distress ; and compounded financial distress as Navient continues to assess and accrue penalty fees and fines on my account. Due to SallieMae/Navient, years went by before I was able to find an employer willing to hire me. Five attachments are included in support of this complaint. Attachments contain PII. | ||||||
| 05/22/2017 | Yes |
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| I have 4 student Loans through Navient. Each month my monthly payment on each loan gets higher and higher and my loans are not going down. I understand the interest rates but it's getting out of control. From: Navient Date: XX/XX/XXXX at XXXX XXXX CDT To: XXXX Subject: Your Application from XXXX has arrived From: Navient - Department of Education Loan Servicing Date: XX/XX/XXXX at XXXX XXXX CST To: XXXX Subject: Your forbearance request has been approved From: Navient-Department of Education Loan Servicing Date: XX/XX/XXXX at XXXX XXXX CST To: XXXX Subject: XXXX, Your Forbearance is Ending Reply-To: XXXX -The forbearance was to see if I would be approved for some sort of help. On XX/XX/XXXX my forbearance ended and my payments started out pretty low. They also told me OVER THE PHONE, that I would pay two of the loans and the government would pay the interest rates on the other two loans, I think they said I'd still be responsible for the un-subsidized loans? Or the other way around I can't remember. Either way, 3 out of 4 loans still show I'm paying 6.8% interest and the amounts just keep going up, even though I am making the requested payments. NOTHING HAS CHANGED! -On my credit report it shows I had my student loans deffer-ed from XX/XX/XXXX through XX/XX/XXXX, then applied for them to be deffer-ed again from XX/XX/XXXX to XX/XX/XXXX. I then tried to start making payments, by XX/XX/XXXX I fell behind so deffer-ed them again, but still made a few payments in between this deferment. This goes off and on like this until XX/XX/XXXX when I consistently started making monthly payments. Since then I've noticed, I've got a ton of late fees all the way back to XX/XX/XXXX on all 4 loans. Why would I have lave fees if they were deffer-ed? Current Loan Status: Repayment Plan: Income-based ends XX/XX/XXXX Loan 1 Subsidized: XX/XX/XXXX to XX/XX/XXXX agreed payment: $XXXX (7 months) $XXXX per month every month after Loan 2 Un-Subsidized: XX/XX/XXXX to XX/XX/XXXX agreed payment: $XXXX (7 months) $XXXX per month every month after Loan 3 Un-Subsidized: XX/XX/XXXX to XX/XX/XXXX agreed payment: $XXXX (7 months) $XXXX per month every month after Loan 4 Subsidized: XX/XX/XXXX to XX/XX/XXXX agreed payment: $XXXX (7 months) $XXXX per month every month after As an example, you can see the first two loans are not matching up for what is due for XX/XX/XXXX. Why are they charging me more? And why are my monthly payments going up? All payment information is attached. XX/XX/XXXX: Loan 1 due: $XXXX - Says in repayment plan I should be paying $XXXX Loan 2 due: $XXXX - Why so high and so different from what they agreed to? Says I should be paying $XXXX Loan 3 due: $XXXX - Correct Loan 4 due: $XXXX - Correct On top of all of this, XXXX College closed. I failed an internship in XX/XX/XXXX. I was told to go back to XXXX and get placed at another internship. I went back to speak with the school around XX/XX/XXXX and the doors were closed. I was never informed and was never told where to go or what to do. When I tried to call, there was never an answer. Shortly after I started receiving bills. XX/XX/XXXX I had my son and was a homeless single mom. I was trying to graduate before giving birth. Due to my income I was able to deffer the loans as long as possible. Now that I am making payments, I am getting FED UP with how the loans just keep going up and up and up. I have worked my butt off and brought my credit up as high as I can, XXXX now. But because of these student loans and them not moving, I cannot buy a house. If I had a secured monthly payment that actually dropped my student loans, my credit would go higher, ultimately allowing me to provide a home for my family. | ||||||
| 04/21/2017 | Yes |
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| I graduated approximately 7 years ago with around $ XXXX $ XXXX in student loans. Over the next few years my husband lost his employment and I utilized the deferment option for my loans. In XXXX , I applied to consolidate my loans in hopes of reducing my interest rate. I researched online and called and spoke to the rep and applied. Shortly after, I received a denial letter that I needed to provide more information and if I did n't do so within two w eeks, my application would be deemed void. I was visiting my sister out of state at the time and I missed the deadline and I figured I would reapply later. However, instead my loans were consolidated and at a higher interest rate than I had hoped for. I spoke to a rep a couple of times about this who offered no help. Around this time my loans also moved from XXXX XXXX to Navient. Si nce this time, I have been struggling immensely to pay off my debt. I had to enter into an income based repayment option as I could not afford the $ XXXX $ XXXX monthly payment that would be required of me if I did not do so ( the default 10 year plan ). For the past approx. XXXX years I have been in a form of an income based plan and I now owe {$70000.00} in student loans from the original $ XXXX something, despite the fact that I am paying over {$400.00} a month, and was paying over {$300.00} a month the XXXX years prior. I have paid so much money into my student loans already, prior to them being consolidated and since then, and yet I am so much further into debt now than when I graduated. I just received notice from Navient that it is time to reapply again to keep m y IBR, or dou ble my payment to move into a 10 year repayment option. I find it sickening, that I have been getting this same letter since XXXX . Since XXXX , the amount that I would need to pay was {$740.00} for 10 years and my loans would be paid off. However, I could not afford this and have instead paid $ XXXX $ XXXX a month, and yet with all those payments, here in XXXX , I am getting the same letter that if I start now paying {$740.00} for 10 years, my loans will be paid off. Four years of payments, and literally no closer to paying them off. All the money I have paid in XXXX , XXXX , XXXX , XXXX and XXXX , and the required 10 year monthly payment is the same. So either keep paying over {$400.00} a month on an income based plan, or more should my income increase, and continue to throw that money away each year as the interest compounds and my principal grows, never being able to pay off my loans, let alone be free of the financial burden, or enter into this 10 year repayment plan and commit to the nex t ten yea rs of my life not only being financially tight and unable to have money for unexpected expenses let alone anything else and pay an additional {$90000.00} on top of what I already have paid, which I estimate to be at least {$15000.00} maybe more. When all is said and done, my {$40000.00} ish in loans will end up costing me well over {$100000.00} as the interest keeps compounding and growing, all of the money that I have paid and will continue to ends up not making a dent in the principal and because my payments are already so high I do not have money to make additional payments to the principal directly. In a time of my life where I should be focusing on saving for retirement and my son 's college education, I am stuck a financial slave to these loans with no foreseeable end in sight. Additionally, I have attempted to apply for refinance, with no luck due to the constantly increasing amount that I owe and for some lenders, the school that I graduated from. I feel like I have no options in a desperate situation. | ||||||
| 04/23/2016 | Yes |
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| On approximately XXXX XXXX, XXXX, I received a letter from Navient, informing me that a private student loan I have would be due for repayment. I contacted Navient, to inform them that I was still attending school and they told me I just needed a letter from my current school, informing them of my in-school status. I provided the letter, and called Navient again to confirm they received the letter, and was told I was now on in school deferment. A week later I called to verify, and was told once again, I was on deferment. I then received a letter stating I was denied my in school deferment, so I again, contacted Navient. I was told there was a mistake, and to disregard the letter, and that I was on in school deferment. I tried to retrieve the letter from my Navient account for proof, but it no longer exists. I asked the representative if he was positive, that all loans were in deferment and he said " Do n't worry, I assure you, they are all on in school deferment. '' A week later I checked my account to discover this Tuition answer loan was in repayment and the amount due was XXXX per month. I called Navient once again, and they told me that there was a mistake, and that some of the customer service representatives did n't know what they were doing. I was also told on numerous occasions that Navient had a fraud department, where XXXX students could call to get assistance with fraudulent private loans, incurred while attending XXXX University. This was not true, as I called every number they gave me, just to get the run around, and eventually got a number that was the ombudsman for federal loans, which clearly did me no good. After all the time and frustration and inaccurate information, I did a financial statement with a Navient rep. and was told that there was nothing they could do for me. My income and necessary living expenses and any left over money I had at the end of the month was not anywhere near enough to make a payment of XXXX a month. I was also told to rearrange my household expenses so I could afford the payments on this loan. I told the rep. that I had already done that by declaring bankruptcy in XXXX. I can not refinance my home due to my bankruptcy, and my car payment is already as low as possible. I am on a level payment plan with my utilities, I get a discount on my cell phone, and have cut grocery expenses for my family, there is nothing else I can rearrange or cut. I have no luxury items or un necessary expenses. There is no possible way I can repay this loan, and the Navient rep. advised me to put the loan in my available forbearance, which is nine months and then default. Unfortunately, this is my only other option, and in my opinion is completely unfair that I have to ruin my rebuilt credit, face unemployment or even the inability to gain employment, due to being forced to default. I work as a contract employee for the Dept. of Justice, and will lose my security clearance as well as my job, for defaulting on a private student loan. It was difficult enough to even get hired at the Justice Department with the bankruptcy that I have on my record now. I am a former XXXX University student, who was forced to take out private loans to continue my education. This tuition answer loan has an interest rate of 10 % and by the time its paid off, which it never will in my lifetime, as I am XXXX yrs old now, will have cost me over XXXX, on an original amount of XXXX. This is truly predatory lending at its finest, and should be illegal. I can not pay this loan, and it should have been discharged in my bankruptcy. Every Navient rep that I spoke with agreed with me, that this loan was unacceptable, but there was nothing they could do to help me. | ||||||
| 06/17/2016 | Yes |
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| In general, my greivances stem from the way Navient and XXXX XXXX have been handling my loans, in particular the capitalized interest on these loans. After reviewing my loan history, a few discussions we collegues in simliar situations, I came to the conclusion some of their practices are more than likely costing borrowers hundreds, if not thousands of dollars per year. In my case, right after college, like many other borrowers, I was n't in a position to make payments on my loans. So, like others, I took advantage of the forebearance terms. Now that I 'm in a position to tackle them, I realized that they more than once, altered the dates so that there would a lapse in my forebearance, which forces the interest on these loans to be capitalized. For example : A borrow requests forbearance for 6 months ending on XXXX XXXX, knowing that the interest will be capitalized at the end of this period, the borrower calls to request an extension of this forebearance before the period end date. In the perfect world the request is granted and the borrower has another chance to pay off the interest before it becomes apart of the principal. In my case this is exactly what happened but instead of processing the request prior to the period end date they have either been setting the start of the extension after the XXXX or simply not processing the extension at all. Or not processing the request at all. Increasing the amount I have to pay over the life of the loan. I did n't request adjustments in the past because I assumed these errors were my fault. When I called this past month and made them aware of the mistake, they agreed to the adjustment but forgot to adjusted my XXXX federal loan. When I called back the next day to state that they only made the adjustments on my department of eduaction loans, they gave me multiple excuses as to why an adjustment could not be made. XXXX of which was clearly a flat out lie, was that the interest is capitalized every quarter. The terms clearly state that interest will be capitalized : 1. When the loan enters repayment. 2. When a deferment ends. 3. When forbearance ends. 4. When the loan defaults 5. A change in repayment plan. 6. Loan consolidation. No where does it state that the interest is capitalized every quarter. I heard this from multiple navient employees which leads me to believe that this was not simply a one-time mistake by an incompetent employee. After being placed on hold for more than XXXX mins they peddled the same croocked excuse, this time by a senior XXXX XXXX XXXX could not at the company. As if she would be some how more convincing. I 'll admit that I was somewhat rude and for that I sincerly apologize. When the incompentence or negligence is consistent, it starts to seem somewhat deliberate. When we 're given excuses that do not seem valid like " the interest capitalizes every quarter '', it seems criminal. I made multiple requests for the transcripts of my calls to XXXX and Navient. In an effort to confirm that I made the error of not making those requests for extensions before capitalization occured, or simply, requesting the wrong date were my fault. They were denied. Based on my experience with these intermediaries, and the ongoing issues with the way they 've been treating our veterans, even if nothing comes of my requests for investigation, at least please consider suggesting to congress to remove them from this process as a whole. If they tried to take advantage of me via capitalization, there 's a chance they 're making the same " mistakes '' with other distressed borrowers. Removing them from the process will be beneficial to borrowers and the federal government. Thank you for your time. : ) | ||||||
| 10/15/2019 | Yes |
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| I have both federal and private loans through Navient that I first began paying on in XX/XX/2014when I graduated with my XXXX. I ended up going back for my XXXX degree and not only deferred those loans but took out additional federal loans to pay for my XXXX degree. I graduated almost 2 yrs ago and began paying, what I thought was, my total sum of all my loans each month. It wasnt until 6 months had passed that I realized Navient was misallocating my payments but had no idea or lied to me about what was going on. Navient was using my entire payment for just my federal loans, while putting absolutely nothing towards my 3 private loans ( of course the ones that have a higher interest rate and are impossible to get help or assistance to begin with, which I only need now because of Navients negligence and deceitfulness. I would constantly get calls and notifications that I was past due and they were going to report me but every time I would check my account or call they would tell me I was current and I took their word for it because I had no reason not to. It did not seem phantom-able to me that what was occurring would occur to begin with but also continue to happen nearly a year and half after I first realized how irresponsible this company was. I have come to believe what they are doing is criminal because they have blatantly disregarded not only the common sense and ethics they should be working with but also purposely lying to me about where each payment went to. Even worse, my father co-signed two of these private loans so now they have not only began to ruin my credit and make it so difficult to get on track with my private loans, they have done the same to my father. By the time Navient figured out, or finally told me what they were neglecting to for 6 months, my past due payments were almost {$4000.00} for these 3 loans. I had basically two options pay they {$4000.00} or join a payment plan which ended up being {$500.00} twice that month and {$500.00} every month for the next two years, on top of all my other loans I had to pay for. Within 3 months I was unable to pay the over {$1000.00} total payment they were expecting of me. I tried to work with them to figure out my situation with 0 help from them. I ended up consolidating and taking a forbearance on my federal loans so I could afford to catch up on my private ones, that, mind you, wouldnt have been past due or high, if one person at this company did even just one task a day that we would all expect them to do. While this arrangement was manageable since it began and I thought maybe Navient was getting their act together, they have misallocated 2 payments of {$500.00} in the past two weeks. They are back to stealing customers money and freely distributing it to wherever they feel like, while ruining their customers credit and ability to manage student loan repayment. I will be giving them another {$500.00} for the same loans I gave them {$1000.00} the past two weeks for or my father and I will be reported. This is after I called them when they messed up the first time and they reassured me it wouldnt happen again. With a company like this, no wonder people cant afford to pay the their loans back, its criminal and disgusting. Although I take some responsibility for not knowing exactly what was going on or putting more pressure on them to get answers for what was going on at first, be very vigilant of Navient, because this is still happening when I have done everything correctly to stay current on all my loans. But by far the scariest part, is not only is it still happening, they have lied to me twice now about it. This company and its employees should be absolutely ashamed of themselves. | ||||||
| 07/19/2017 | Yes |
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| Navient states I owe XXXX. I attended XXXX XXXX XXXX in XXXX KY in the early XXXX ( I believe it is closed now ) I became XXXX 5 years ago, XXXX was not approved until 15 or so months ago. I have applied for loan forgiveness 3 times, the first two times Navient stated that they did not receive so the 3rd time I uploaded the application, court order of XXXX and XXXX documents into the system to avoid any more mishaps. Navient denied my forgiveness stating that they require documentation of 5 years ) 60 months ) of XXXX. Here in lies the problem, SSA policy indicates that they review every 3 years and physicians in the state of Florida will not breach their policy to provide letter of XXXX duration due to health care and insurance policies. My guess would be that Navient was and is aware of said policies when they made their 5 year policy to make it harder or even impossible to achieve loan forgiveness. I have also requested my original signed loan documents twice of yet they still have not provided. Here is an email dated todayXX/XX/XXXX that I sent to Navient : Hello, I am taking this as a first step as it is the appropriate measure at this time rather than jumping in on the class action lawsuit or filing any formal complaints. I have applied for loan forgiveness 3 times. The first two times somehow Navient never received so I emailed/uploaded the 3rd application for forgiveness so there could be no more mishaps. I received a response stating that my application for loan forgiveness was denied as five years ( 60 months ) of XXXX needs to be provided. I have provided documents from court, ordered and signed by a judge in good standing in the state of Florida stating that in fact I am XXXX and will never be able to obtain nor maintain gainful employment again. Moreover I provided XXXX documents from social security proving XXXX. The XXXX documents indicate that every three years my case will be evaluated, the Social Security Administration does not provide 5 years in their policy, as stated their policy is 3 years. Doctors, at least here in the state of Florida do not get involved with XXXX as I have requested from my XXXX and XXXX XXXX physicians that they provide me a letter stating 5 years for Navient. This is not something they do or are willing to do as it breaches their policy. All that being said, it would appear to me with all my struggles with student loans that Navient likely new of SSA and Physicians policies when they added the 5 year requirement to make it more difficult if not impossible to achieve forgiveness. This is disappointing but sadly not shocking. I have spoken to 2 attorneys, one involving the class action lawsuit that Navient has filed motions to dismiss and the other a bankruptcy attorney. I have been told by both that I would qualify to be included in the class action lawsuit and that the bankruptcy court would in fact dismiss my student loans based on undue hardship. Next will be a civil litigation attorney in the event I have to file bankruptcy to sue for damages requesting Navient pay for attorney fees for Bankruptcy, cost of bankruptcy and punitive damages for damaged credit/credit worthiness, harassment of collection and hardship ( emotional and physical ) I mean you people make borrowers want to XXXX themselves, seriously. So I will request one more time for loan forgiveness via this email ( you have 3 applications, undue burden for me to complete another ) or I will have to seek relief in other fashions. I am XXXX, why is Navient making my life any harder or more miserable than it already is? Furthermore, I request yet again for Navient to provide a true copy of my signed original loan agreement. Please Help!!!!! | ||||||
| 01/24/2017 | Yes |
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| I began dealing with Navient when they were known as XXXX. To begin, unbeknownst to me, I applied for ungodly amounts of money through XXXX ( XXXX, VA ) in XX/XX/2006. I was interested in completing a degree ASAP as I was being XXXX from the XXXX. Traditional schools had already commenced classes and I was in a bind ( in terms of needing to utilize my XXXX - I did not wish to wait longer to begin working on a degree ). In XX/XX/2006, I stopped in to the named location and was greeted by a professional con XXXX. I will also admit that I was a bit naive and had a lot of personal issues that did not allow me to be completely aware of my surroundings. That, combined with 'caveat emptor ' kind of led me on a path to being taken advantage of. This con XXXX took me into a nicely decorated room and began talking to me. She pretended to want to get to know me ( almost like a professional therapist ) and the ambience, combined with the food and drinks that they fed me, made me kind of open up to her ; in the meantime, a gentleman asked me questions and filled out papers ... none, of which, were explained to me. They lured me in. He had me sign tons of papers while asking me questions, over and over, while the lady kept me satisfied with confectionary and caffeine. Fast forward to months later ( I 'll detail my issues with XXXX in another complaint ) : I receive my first bill from XXXX. It was for thousands of dollars! Mind you, I had already complained about this school to administrators and was really becoming livid with the scam that I saw unfolding. Now, I was being billed an outrageous amount ... and did n't even recall signing up for the loans ( sad, but true ) ... Over the course of the next couple of years, I began receiving ( literally ) DOZENS OF TELEPHONE CALLS A DAY from XXXX. They would call me, over and over, often hanging up before I could even answer, leaving voice mail messages. I was stressed out because they wanted me to pay {$900.00} a month and, at the time, that was physically impossible for me ( I was working full-time at a rate of $ XXXX ... you do the math ). I tried negotiating an amount. The most I could pay a month was {$100.00} or so, but they would not accept it. Finally, I became so outraged ( I 've even developed a complex as a result of having to deal with them ) that I changed my telephone number. I tried working out plans with them and they would not budge, so I quit trying to negotiate altogether. Now, I have my federal loans consolidated and am working with agencies to have the XXXX loans fixed. I am paying them off, XXXX month at a time ; however, the PRIVATE loans that Navient currently has, through XXXX, I feel are unfair and should be dismissed : a. XXXX is closed. They were n't accredited and they violated regulations and laws and used coercion to try to make me remain a student ; they did not inform me as to the costs associated with their school ; I should not be responsible for paying back loans to a school that defrauded me. b. I should not have to repay Navient as both they and XXXX violated federal law in the ways that they tried to have me repay them. They harassed me, would yell at me over the phone, and, even now, report CANCELLED LOANS on my credit report. They have ruined my credit and it is all because of the fact that XXXX took advantage of me. My loans should be forgiven and/or dismissed for the duress and negative impact that the stress associated with them have caused me. I HAD TO CHANGE MY TELEPHONE NUMBER to stop them from HARASSING ME. And the fact that they threatened me in attempts to having me repay them should not be overlooked. I do not feel comfortable working with them. PERIOD. | ||||||
| 08/27/2015 | Yes |
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| This complaint applies to Navient servicing my private + public loans. These are existing loans in repayment that I used to pay for my education at XXXX. I am leaving the country shortly for military activation. For over a month, I 've been trying to get Navient to apply a military deferment to my loans. Despite repeated communications, for the entirety of this time I have been evaded, misled, and outright lied to. As of now, XXXX/XXXX/2015, there is still no deferment on any of my loans. My first request was sent in through Navient 's online document system. I uploaded my orders and text stating that I was applying for a deferment. After over a week, I received a series of documents from Navient stating that SCRA benefits had been applied to my account, with no information on deferment. I called Navient 's military service line that day. I was told that although they received the orders, they had n't understood them as a request for deferment - apparently, they did not bother reading the clearly stated request sent in with the orders. I was told that if I sent in an email requesting deferment, it would be processed within XXXX business days, maximum. Since my loans were in various states of repayment at this time ( expiring from IBR, coming out of forbearance etc ) I wanted to make sure that Navient 's delays would not punish me with " missed '' payments or harm my credit. I was assured that when the deferment was applied, my outstanding payments would be folded back into the principal of the appropriate loan and nothing would be delinquent. Following that phone request, on XXXX XXXX, I sent in another request per the rep 's instructions, via email. I attached my orders and detailed my request in the email. Over the next week, myself and my co-signor got email notifications about delinquencies on my private loans as I had allegedly missed payments. I called in again to the military service line during this period and was assured that we could ignore those notices and that the deferment would shortly be applied. After XXXX business days, there was still no deferment. Navient continued to warn and threaten re : late payments. I called military service on Monday, XXXX XXXX for a XXXX time. I was told that the XXXX business days promise was just an estimate, and it was just taking them longer. At this point I was becoming frustrated with the entire process and I noted to the rep that while I had received repeated spoken assurances about the state of my deferment request, I had not received anything in writing backing up that my request was even being considered. This practice is very disturbing to me : Navient has the power to arbitrarily decide that they had never been considering my deferment application in the first place, and all the paperwork would back up their case rather than the truth. In response to this concern, the rep assured me that the servicer handling my deferment request would send an email that day verifying that they were in fact processing it. That email never arrived. I then sent an email to Navient detailing my frustrations ; they did not respond. During the following day on the XXXX, I received another batch of notifications from Navient, once again stating that SCRA benefits had been applied, with no information about deferment. Again, delinquency and late payment notifications were sent as well. I then called a XXXX time. This time I was told that they had messed up internally with the request, had to reprocess it, and now needed a further XXXX business days. I got no answer on why I had n't received the promised email, but I was promised a followup phone call on the status of my loans. That phone call never came. | ||||||
| 09/08/2018 | Yes |
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| I was pursuing an XXXX XXXX program in XXXX and graduated in XXXX, just about when the economy went into a spiral. I borrowed from Navient ( formerly Sallie Mae ), as I didn't have enough income to pay my full tuition. I have been making consistent student loan payments, and was on income-based plan. When that " program '' ended, I was told that now I have to enroll in a rate-reduction plan to keep up with payment. Up until XXXX of this year, I was in the rate-reduction plan, and I was contacted by Sallie Mae about the program ending in XXXX. I immediately went through the information sharing process, in which a representative took all my information to do a financial analysis, and stated that an electronic document will be sent to me to review and sign. On XX/XX/XXXX, I signed the statement and followed up with Navient a few days later to learn that everything was " set up '' and the rate reduction plan will continue. I made consistent payments in XXXX, XXXX, and XXXX. For the last few days, Navient has been calling me again to tell me that my interest rate has jumped from 3 % to 9 % ( supposedly from XXXX ). When I inquired about why, I was informed that " Well, when you signed up for this loan, you agreed to pay whatever interest we charge. We don't have any obligation to keep your payments or interests low ''. At which point, I reiterated that I had signed up for the rate reduction plan in XXXX, and the representative ( supposedly a supervisor ) says that he sees the document in the system, but it was never set up and there is record that I spoke to someone. I said, " how do you think I managed to sign a financial statement if I didn't talk to someone. It's not like I downloaded that form from the website '', and the representative said that I was essentially arguing about a computer system, and there is nothing he can do. After a brief back-and-forth, he said that he has put my information as a " complaint '' status and it will be reviewed by an internal team and they will get back to me. I asked him if I need to make the previous payment during the investigative process, to which he stated, " No, you don't need to. Until we find out what happened, you don't need to. '' I further inquired, " But if my payment is delinquent, you will report this to my credit '', and he stated " Oh we won't. You have until XX/XX/XXXX. By that time we will figure this out and then you can make the payment. '' This is not the first time Navient has pulled this stunt with me ( and I know of other borrowers who experienced this ). They arbitrarily changed my loan terms, because they are informing me that I signed up for a variable interest rate. They are consistently lying about their programs, the payment options they have to extort more payment out of students. I am certain that I am not the only person who had to deal with their " rate reduction '' program, only to find out one fine morning that your payment has jumped up by 40 %. Navient, just like its predecessor Sallie Mae, is one of the worst entities that exists. It's not a matter of contention that they are predatory lenders, who have lied to and cheated millions of students in this country, and thanks to our lawmakers, they still continue to get away with it. I am a fixed-income household, with XXXX young children, and one of them with a learning XXXX who requires significant time and resources. My wife and I have never filed for bankruptcy, have never intentionally delayed our payments, and we have always taken care of our debt obligations. But Navient is a recurring and ever-metastasizing cancer. Absolutely nothing that I do or can do to fight against them. But you can. Please help. | ||||||
| 04/04/2017 | Yes |
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| At the end of XXXX, I submitted my tax paperwork to renew my XXXX plan. I received an email that it was denied and have been having issues with Navient and customer service ever since. Now that I am married, I no longer qualify for XXXX because it takes my spouses income into consideration. My spouse also pays student loans, so he is not paying mine and his income is not helping me towards my payments. His loans, however, are private student loans, so Navient said there is nothing they can do about it. In XXXX XXXX, I talked to a representative about my repayment options and estimated amounts for repayment. She said the best option for me would be a graduated repayment plan and to call back in XXXX ( when my plan expires ) to set that up. When my plan expires, the payment is set to be around {$290.00} on an " expired income based repayment plan. '' This is still much higher than I have been paying the past couple of years. I called and talked to someone else in XXXX XXXX and they said I needed to either pay a standard payment of ~ {$420.00} or go into forbearance and make a minimum payment of {$5.00}. My payments at the time were ~ {$93.00} so I did not expect it to jump up to {$420.00}. I could not afford that so I had to do the temporary forbearance and pay {$10.00} to exit my current plan. They told me they were going to submit all of the paperwork and put me on a new graduated repayment plan and that my payment would update after XXXX XXXX because the next payment would n't be due until XXXX XXXX. My payment did not update after XXXX XXXX so I called back again and was told that no one submitted any paperwork for me to enter into another repayment plan. I was also told that the graduated plan will not count towards my 10-year public student loan forgiveness - only XXXX and standard plans will count. I talked to this woman about my options to be on a plan that will count towards my public service forgiveness and she told me that I can enter the Income-Contingent repayment plan and pay ~ {$260.00} per month. She assured me that the math added up to the {$260.00} payment. She told me again that I needed to pay to exit my current plan and submit paperwork, which I had already done both. She found that in my file and re-submitted the paperwork from XXXX for me to be placed on the XXXX plan. I got an email shortly after that I needed to pay again ( {$420.00} standard repayment or go into temporary forbearance ) to exit my current plan. I called again and talked to someone else. She did the math as well and said the XXXX plan would be about {$260.00} per month and she said she made a note on my account that I already paid to exit my current plan and submitted paperwork. She said it should be done by Thursday XXXX XXXX. I still had not received anything at that time so I called again. The woman I talked to said " it was just submitted today '' after putting me on hold for a few minutes and that it should be done by XXXX XXXX, XXXX. I received an email on Saturday XXXX XXXX that I had been entered into a REPAYE plan and will owe {$360.00} per month due XXXX XXXX. I called again on XXXX XXXX to talk to someone and explained everything I had been through and what I had been told. She said that the XXXX plan does not equal {$260.00} for me and that I was misinformed. She told me the best they can do is enter me back into my expired XXXX plan to lower my payments and that it should be done before my due date of XXXX XXXX. I am extremely unhappy with this entire process and have been misinformed so many times. I do not want to enter into forbearance or deferment but with payments so high I am not sure what to do next and Navient can not seem to help me. | ||||||
| 12/01/2017 | Yes |
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| I borrowed {$11000.00} as an XXXX. XXXX and its successor Navient ( hereinafter '' Navient '' ) managed to convert that balance to in excess of {$60000.00} by forcing and directing me into making multiple requests for forebearance in order to maintain my loan in good standing, and avoid default, rather than correcting the account balance to enable a complete pay-off of an accurate account balance. The disputed loan balance began when Navient allowed for a consolidation that was in violation of Federal Regulations because there was a judgment obtained for the defaulted student loan that was consolidated. The loan was defaulted in violation of Federal Regulations inasmuch as I was never enrolled less than half time for more than XXXX months as an XXXX. I received a letter from the legal department at The Ohio XXXX XXXX XXXX informing me that the loan was defaulted in error and that it would be removed from the default status. Unbeknownst to me, the loan was never removed from the default status. In addition, Navient fraudulently consolidated more than twice the amount stated on the Promissory Note when Navient illegally consolidated the defaulted loan that a judgment had been obtained for. When I brought this to Navient 's attention for correction, they ignored me and referred me to the U.S. Department of Education for correction. When I contacted the U.S. Department of Education, they referred me to Navient for correction. The U. S. Department of Education wrote to me informing me that Navient needed to correct the account balance. After discovering multiple class action lawsuits against Navient that were settled for in excess of {$100.00} XXXX, I communicated with Navient XXXX XXXX XXXX ( reported annual salary of {>= $1,000,000} for 2015 ) informing him of the gross mishandling of my student loan account. Shortly thereafter, Navient offered a settlement that agreed to remove the excess amount that was fraudulently consolidated and the interest the account accrued only for the amount that was over consolidated. Navient appears to have deliberately stonewalled me in refusing to correct the account balance long enough to balloon the student loan account for Navient 's grossly improper financial gain and then offer a grossly deficient settlement offer that required Navient be released from all liability for their actions that deliberately inflated the loan balance for Navient 's financial gain. Steadfast in refusing to correct the loan balance, Navient allowed the student loan to default and sold the loan to the New Jersey XXXX XXXX XXXX XXXX for collection of a loan Navient knew to be erroneous. Upon outlining Navient 's handling of my student loan account that violated multiple Federal Regulations and included a fraudulent consolidation, the New Jersey XXXX XXXX XXXX XXXXXXXX ( " XXXX '' XXXX had Navient repurchase the loan they sold to XXXX. I received a letter from the NJHEAA informing me that I had to work with Navient to correct my account balance. Navient removed the loan from the default status and sent me a letter misrepresenting that the forebearance I requested was approved. I NEVER requested any forebearance. Navient is clearly attempting to inflate the account balance further for its continued grossly improper financial gain. Navient does not return my e-mail communication seeking to correct the account balance as both the U.S. Department of Education and the NJ XXXX XXXX XXXX XXXXXXXX informed me needed to be done. The account is past due and will be defaulted again and presumably sold in default to NJ XXXX to repeat the process over again. There has not been any effort or communication from Navient to correct my account balance. | ||||||
| 07/19/2016 | Yes |
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| I have several loans serviced by Navient Student Loan Company. I have made on time interest only payments for 3+ years. Recently my husbands family offered to help pay off my loans. On XXXX XXXX, 2016 I began the process of researching how to pay off the loan I have with Navient. On that day I spoke with a man named XXXX ( extension XXXX ) who informed me that an offer of a settlement of 90 % is often accepted as a pay in full amount. After speaking with my investors I called back on XXXX XXXX and spoke with a woman named XXXX ( extension XXXX ) and made an offer of $ XXXX which is about 90 % of loan. As part of this process, XXXX of their representatives contacted my father, who is the co-signer on my loans in order to verify his status, and at that time he was informed that there might be a negative impact on his credit rating since the loan was being settled for less than the original amount ( s ) borrowed. On XXXX XXXX XXXX called me back and informed me that there was a counter offer made of a co-signer release. At that time I told her I would need to again talk to my investors and see how they would like to proceed. After a short time I called back to get more details of this co-signer release. This is how we come to the conversation I have a complaint about. XXXX XXXX, 2016 at XXXX I called and spoke with a man named XXXX XXXX XXXX XXXX XXXX ). I asked if he could please explain why what a co-signer release means and why it was not a one time pay in full to which he replied " can you please hold and I 'll look into it? '' I agreed to hold and when he returned he told me " I do n't know why she XXXX XXXX XXXX said that, we will accept the {$100000.00} as a one time pay in full. '' I ended the conversation that day with " Okay, I 'll talk to my investors and make sure this is ok with them. Please call me back Monday. '' On Friday XXXX XXXX XXXX called me back and after some conversation I told him that we would like to proceed with this and pay off the loan for {$100000.00} but I would need him to email me the terms so myself and our lawyer could look them over. He then told me that was not possible that all we needed to do was have him read the agreement and I would sign electronically. At this point I let him know I would not be able to proceed until I received the terms via email and he asked me to hold. After a short hold he returned and informed me that this was not as he had been saying, a one time pay in full, but that it was actually a co-signer release. This is where my major concern and complaint comes in. On XXXX XXXX, 2016 XXXX told me {$100000.00} was accepted as a pay in full and 8 days later he revoked that claim and changed it to a co-singer release. I spoke with XXXX 's supervisor, XXXX XXXX, and have been told that he reviewed the call and heard nothing that should have lead me to believe this was a one time pay in full. I know this not to be the truth. I am hoping that you will review the call and follow up with me as to what XXXX told me on XXXX XXXX. I requested to speak with XXXX supervisor and on Friday XXXX XXXX at XXXX I was able to speak with XXXX XXXX a supervisor at Navient. He informed me that he reviewed the initial call I had with XXXX XXXX on XXXX XXXX and that it was unclear what he was offering. I asked him if he had reviewed the call on XXXX XXXX as I think it is important to review both conversations with XXXX to understand that we were proceeding as a one-time pay in full until the very end of our conversation at which time that offer was changed to a co-signer release and XXXX XXXX said he had not but that the offer of {$100000.00} was not accepted and that their representative misinformed me. | ||||||
| 07/21/2022 | Yes |
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| I am writing to request a change of status to my student loans previously administered by Navient ( account # XXXX ). On several occasions throughout XXXX and XXXX, I contacted Navient to request for this status change from deferment to Income Based Repayment ( IBR ) for loans administered by Navient from XX/XX/XXXX, to XX/XX/XXXX. The reason for my request was to allow my employment at the XXXX XXXX XXXX XXXX XXXX ( XXXX ), during the aforesaid time-period, to be counted for the Public Service Loan Forgiveness ( PSLF ) program. I was alerted, however, that such a change could not be done. As I was not matriculated in any academic program and was not earning academic credits toward a degree, I should not have been identified on academic deferment. To provide supporting evidence, I am sending along XXXX documents : 1. an offer of employment for the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 2. a postdoc scholar / postdoc-employee offer of employment ( dated XX/XX/XXXX ), 3. extension of a renewal offer as a postdoctoral scholar ( dated XX/XX/XXXX ), and 4. a completed PSLF form from XXXX identifying my dates of XXXX. I contacted Navient again in XXXX of XXXX asking to make this change. By this point, however, I was informed that as my loans have been consolidated and are now administered by XXXX, they can not accommodate this request. Moreover, I have been informed that had I contacted them previously, prior to the consolidation and transfer of funds to another student loan servicer, Navient would have been able to accommodate the status request. The information provided in XXXX of XXXX clearly contradicts earlier information provided by Navient, which misinformed me that a status change could not be done when in fact this was not the case. I have since requested that Navient investigate this matter further through the XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received a response from XXXX XXXX, XXXX XXXX, at the XXXX XXXX XXXX XXXX XXXX at Navient, alerting me that they will investigate this further. As I have not received a response, and to ensure Navient provides serious consideration to my grievance, I am formally requesting assistance to the Consumer Financial Bureau to help resolve this matter. Unfortunately, this is not the first time that Navient has made a mistake with the handling of my loans. A Navient representative informed me that my income-based deferment would expire on XXXX of XXXX. Despite being provided this information over the phone and in writing, Navient decided to move my repayment to XX/XX/XXXX. When I alerted Navient of this information they did not wish to acknowledge their mistake and instead charged late fees, allowed for interest to capitalize on my loans, and without my permission, placed me on forbearance. It was not until I filed a complaint on XX/XX/XXXX, with the XXXX XXXX XXXX ( complaint number : XXXX ) that Navient escalated XXXX issue to the Office of XXXX XXXX XXXX XXXX In a letter dated XX/XX/XXXX, Navient acknowledged their error, retroactively reversed all late fees and capitalized interest, and changed my status from in forbearance to income-based deferment. As the U.S. Department of Education ( XXXX ) has announced a change to Public Service Loan Forgiveness ( PSLF ) program rules for a limited time because of the COVID-19 emergency, I ask the XXXX assistance to change the status of my loans from student deferment to an income-based deferment. This will allow for the two-year period ( XX/XX/XXXX, to XX/XX/XXXX ) of my postdoctoral fellowship at XXXX to count toward my PSLF loan forgiveness. Thank you kindly for reviewing my case. I look forward to hearing from you. | ||||||
| 08/20/2021 | Yes |
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| This all seem to have started XX/XX/21 when I saw this strange phone number of XXXX appear on my phone which I did not answer because I do not answer numbers that I am not familiar however, It kept showing up without leaving messages. On XX/XX/21 I decided to answer the call and a lady on the call ask to speak to XXXX XXXX and I ask her who she was and which we went back and forth for a minute until she stated she was calling from Navient about a delinquent loan in which I to her that was not true because they get paid every month before I even see the money and hung up on her. I went and look at my account online and to my surprise it was showing 3 dates where full payments had not been received. Dates of XX/XX/21, XX/XX/21, and XX/XX/21 were showing that only {$50.00} was applied to the loan which is an incorrect amount because ever month I have a payment amount of {$98.00} sent straight to them from my payroll allotment. They receive this twice a month to equal the {$190.00} that is do by the XXXX of the month. I checked my went only to my employer paystub for those time frames and the money was sent to that allotment as the current on so no payments were missed. After seeing this I call Navient 's customer service number XXXX in which I went over all this with a rep and explained this to her. I explained to her this should not be happing because the company sees the money before I even see it so Navient need to find the money. She explains the I would need to submit proof of my pay stub for them to do the research. I asked her why should I do that because you have the money I call you and told you have and that should start you to looking in which she explained she can only see what I see on my online account as well. I explained to the I will be doing this but I am requesting a detailed letter of what happened to my account and documentation the account has been updated and corrected. With that being said I faxed over the paystub to them all of this on XX/XX/21 along with copy of a print out of my what is showing on my online account. A week goes by and on XX/XX/21 I check my account online to see if they updated anything because that did give them time in which the young lady said it should take about that for me to see and update however it is show that my account is still in the red and delinquent and my loan balance is higher because of fees added. It is on this day that I call them twice in which the second time I end up requesting to speak to a supervisor. It seem that she said her name was XXXX and she stated that the account was being work on and that the money was found but it was applied to another account. I told her that I was told in a call before that money was sent to collecting and it should not be in an collections because Navient has been paid for years this way and I am requesting a detailed explanation sent to and the account updated and the calls to stop because I should not be in collection and I have sent you proof. She stated to me that she would have all of this taken care of and that they do see that my proofs have been received. however I have been receiving calls since then because on XX/XX/21 I received a call 3 times for XXXX and the reason I know it was them because at one point the left me a message on my voicemail. I called the number back and as usual that asked about payment arrangements and I then asked her to look at the notes on my record and she did. I explained to her I am going to once again ask that you stop calling me and that my account to corrected and I be sent a detain letter of everything. so I truly hope being that I have not gotten them to resolve this issue your office can help me. | ||||||
| 06/16/2019 | Yes |
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| I am so frustrated at the lack of care and responsibility taken to fix a problem that happened because Navient wasnt doing their job correctly and clearly violated my instruction and legal language on how to apply my payments. On XX/XX/XXXX I made an overpayment of {$2200.00}. This was my first overpayment ever on this loan. After looking at my account on XX/XX/XXXX I saw that Navient advanced my payment, even though I directed the payment not to in their Direct Overpayment section and while having my account preference set as the following in quote. " Overpayment Directions Allocation Direction : Lowest Current Balance Billing Direction : Bill me for my full monthly payment For your loans in Auto Pay, your Auto Pay payment will always be for the full Monthly Payment Amount, and will continue to be deducted monthly. Can we note the ALWAYS in this quoted section on my account. At this point I called their customer service and a rep said I " directed overpayment appropriately and correctly when making the overpayment on XX/XX/XXXX. I asked " then why did you advanced my account? '' She said I dont know. I mentioned at that time there is no " XX/XX/XXXX, which is the normal payment due date, date listed as pending or processing on my summary in my account. I said this because I have on my account to bill me for my full month, as mentioned above. And as of XX/XX/XXXX Im technically late on my payment and will start incurring fees. She said she was going to make a manual payment of {$300.00} and honor that it was made on time, XX/XX/XXXX because of Navients error. She made this payment when I called on XX/XX/XXXX. On XX/XX/XXXX I looked at my account and Navient charged me TWO charges of {$300.00}! One on XX/XX/XXXX and one on XX/XX/XXXX. Overdrafting my checking account to - {$110.00}. I called Navient customer service immediately after seeing this. XXXX said that I had to submit photos of my bank account showing that Navient charged me twice to the upload inbox in my account. I did so immediately. She said she would expedite the request because they overdrafted my account. Today, XX/XX/XXXX, I see that Navient removed the XX/XX/XXXX charge and left the XX/XX/XXXX charge in the summary on my account. However I still have NOT received the improperly pulled Second charge of {$300.00} back into my bank checking account. The second issue also happened today XX/XX/XXXX. This morning I got an email saying my a snapshot of your monthly statement payment on XX/XX/XXXX will be {$210.00}. My normal fixed payment is {$300.00}. Logged in my account today, XX/XX/XXXX, says I will be paying {$300.00} on XX/XX/XXXX, which is my normal payment. My payment should not be anything more or less than {$300.00} because that is my normal payment that is agreed upon when submitted my IDR. My concern is that when I made an overpayment and Navients customer service advanced my payment, which my instructions said explicitly not to do and their customer service rep said that I correctly directed the overpayment on [ my ] end., on top of them making a manual payment of the {$300.00} and allowing another charge of {$300.00} to pull out, has now messed with my normal payment. Their lack of care and urgency in fixing an issue that was clearly explicitly disregarding written rule on my account with the following instruction : " Overpayment Directions Allocation Direction : Lowest Current Balance Billing Direction : Bill me for my full monthly payment For your loans in Auto Pay, your Auto Pay payment will always be for the full Monthly Payment Amount, and will continue to be deducted monthly. Is unauthorizable, criminal, and unjust. And I demand answers. | ||||||
| 04/06/2017 | Yes |
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| My husband and I have written a myriad of letters to our loan servicer, Department of Education, Navient, XXXX, and our Congressman for assistance with our student loans. I notified my loan servicer long before my loans defaulted that I had XXXX and was subsequently diagnosed with XXXX. At the time I was offered an option to discharge my loans via XXXX through the XXXX executive office, but declined as I was enrolled in XXXX XXXX University and wished to attempt pursuit of furthering my education during a period of unemployment. My cognitive issues were more advanced than I thought and I was forced to withdraw from XXXX XXXX. A string of car accidents, identify theft, XXXX, and hospital stays, I maintained communication with my loan servicer. When I was told my loan defaulted, I explained I took all the steps to submit for forbearance and from the literature sent had understood I was in this grace period. Despite having documented proof of fax to my loan servicer and a RECORDED CONVERSATION, I was told the default stands with no help or guidance on how to rehabilitate my loan. In turn, after showing I made {$0.00} via my Social Security statement, over {$10000.00} was taken from my tax returns. This caused strain on my marriage and as I wrote letters about my loans, Navient began to pursue my husband with payments that well exceeded our mortgage payment. Despite his letters advising he was virtually supporting the household on his income alone, Navient told him he exhausted his options and no longer had any. As they threatened his credit, my husband was forced to Refinance the house in an effort to pay off his loans so that he is not in default like I am. After undergoing a XXXX, I have pleaded for assistance with Rehabilitation of my loans and currently have no filed taxes for fear the Government will seize them despite my communication, illness, and current financial state. I wrote and pleaded for assistance, I explained that I needed help and was told I could not get it unless my HOUSE WAS GOING INTO FORECLOSURE!! The house I live in is in my husband 's name and as a XXXX, he is not going to allow his home to go into foreclosure. The fact that I submitted a Social Security Statement and my taxes showing XXXX income and exorbitant loss due to a flood in my home and business losses, I was hijacked for the income I needed to supplement my living anyway. This is a piece of the letter XXXX sent to his Congressman beseeching assistance. My wife 's recent Federal Offset caused an extreme hardship on our home and our marriage. We were in the process of figuring out separation when I got my own surprise from my loan holder stating that my monthly payments would be upwards of {$800.00} a month. To put my position into context, my mortgage on my home is {$980.00} a month. My wife was taken to the hospital by ambulance XX/XX/2016 and as a result, we have found out that she has to under go a XXXX. My wife has endured so much, but to learn on top of XXXX and XXXX, she has to lose her XXXX at XXXX years old and undergo a XXXX on her body that will be sure to cause flares in the future. I have noticed these student loan concerns have picked up political traction and I am curious if Georgia constituents are undergoing the same strife as NJ. I 've read articles where the House Representative has brought the negligence of student loan holders to the attention of Congress. I have supporting documentation that my wife and I have communicated with our loan holders, explained our situation, and have expressed a willingness to repay our loans, however this feels very much like " loan sharking '' and it 's putting our household in a difficult situation. | ||||||
| 03/29/2016 | Yes |
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| My student loan was transferred from XXXX XXXX to Navient as of XXXX XXXX. I 've experienced many frustrating situations with this company. The latest, my program I had with XXXX XXXX finished in XXXX XXXX. I received a letter in the mail indicating I could contact Navient to look into programs to reduce my payment to keep it affordable. I contacted XXXX and spoke to XXXX XXXX. His extension was XXXX XXXX. He obtained my financial information and requested to speak to my co-signers. My co signers came in contact with him and provided their information. When I asked what my new payment would be he said it looks like I would qualify for a 3 % interest rate But he could not give me that amount that moment unless I could make a payment. My payment was not due until XXXX XXXX and I was calling a month before. I had just made my XX/XX/XXXX payment and did not have that money to make a payment. I indicated I would call back in XX/XX/XXXX to obtain the new amount and set up my payment options. When I called back I was told I was denied because between my co-signers and I we have disposable income. My parents are now retired my mother does not work my father is the only one with income they do not provide assistance to my bills. When I qualified for previous programs under XXXX XXXX my parents were both employed making significantly more money and I was employed but I still qualified for programs that would keep it affordable. At this point my payment is {$870.00} from {$510.00} that is more than XXXX % of my income it was recommended to me to cut corners or to obtain another source of income. When I ask to speak to a supervisor he told me I was argumentative I did not qualify for anything and as I tried speaking to him he would n't he kept repeating that I was not qualified because I had income due to my co-signers having extra money. When I tried telling him that do not provide me for bills he accuse me of being argumentative. When I stated I would file a complaint he told me to have a nice day and hung up the phone on me. They do not provide anything in writing in regards to what their programs are in the criteria. They tell you they have programs take all your information and then deny you but do not provide anything in writing in regards to their policies. I was told there were minor policy changes and they were still the same people but nothing has ever been given in writing to me in regards to their policies and their programs and why I can not meet anything I 've only been told by supervisors that I do not qualify yet you never see anything in writing.I 'm trying to keep my payments affordable my cosigners do not provide income they only provided the information to them because I was told it was a requirement for us to meet program criteria. I been in collections with this company before over the summer and they use tactics such as lying to you. the collections associate XXXX, would take my information tell me I was approved for programs than the day before my bills would be do she would call me and say I was denied and I needed to apply for something else would we take all my information when I could not make payments at that high amount she would make comments such as my co-signers would be litigated my way in wages would be garnished. When I would ask for programs in writing to see the criteria and to see why I did not qualify same thing nothing in writing was ever provided in regards to criteria and programs available. Supervisors on the phone would just tell you you did not qualify would not provide any assistance and we 're very rude. When will this company Be investigated for their crooked ways of handling private student loans? | ||||||
| 06/15/2016 | Yes |
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| I attended XXXX College XXXX, I majored in XXXX, and graduated in XXXX. The purpose of this communication is to explain my specific situation and see if there is anything that can be done for myself or our group as a whole. As a group, we have a XXXX group that was started in order to get everyone in one place and see what we can do to save ourselves. This XXXX group has more than quadrupled in size since XXXX XXXX and now has a membership of XXXX people from all over the country with the similar stories of those who can not pay their school loans, ruining their credit, and their ability to take out loans for cars or homes. Here is my personal story : I moved to XXXX in XXXX. I decided to go to XXXX College to get my core classes in XXXX XXXX because the things you would learn would be lessons that could help you anywhere in your career path. Especially for someone who might run their own art business someday. When we visited the school my parents and I made it very clear that this was meant to be a stepping stone, I specifically remember telling them I wanted to go to XXXX College or XXXX University afterwards to finish my XXXX XXXX and they said that would n't be a problem. I received extensive financial aid for my schooling and had to include a stipend for living expenses with it because XXXX did not have XXXX. I attended and graduated in the allotted 18 month time frame. I knew something was a little off with the schooling because I had always been a XXXX student my whole life but graduated on the XXXX list and was one of the top students of my graduating class. I am one of the more lucky stories that I 've read on the XXXX group, I was able to get a job with a company that owns/operates parking garages around the city for my internships. I procured the job on my own without any help from the school. I also was able to XXXX at this job and was promoted quickly, none of which was thanks to XXXX. Now that I 'm older, I am able to have the XXXX that I did all of my growth on my own. Sure there were a few things I learned that were helpful, like XXXX XXXX, but these were things I could have taken a weekend/night course at on my own for {$200.00} and had it under my belt. I have gotten nowhere thanks to XXXX, only thanks to myself. I have been working in the parking industry for 10 years. I do own a home with my husband and we both have car loans, and we are able to pay our bills ( school loans included ) each month, but do n't have much to spare after that. The part where we suffer is that we 've put off having a family for fear of not making ends meet. The circumstances of my situation came to light was when I started looking into attending night classes to finally finish my XXXX before my husband and I decided to start a family and was hit the harsh reality that nowhere will take my credits. Not even the local XXXX college will take them. In order to further my career I need to have that degree, so I am faced with a dilemma : to start completely over from the beginning with only the few credits from the art school that will transfer, go to another for profit that will take them, or just give up and figure this is the level I will be at and I would have to find another way to advance myself ( which is a sad but very real thought I have often ). There was also a similar story with another college called XXXX College where the group won and they are now in the process of receiving loan forgiveness. If you are unable to help, I would greatly appreciate a recommendation or referral to someone else who may be interested or willing to help. This could change many people 's lives. Additional Information : XXXX Group Name : " XXXX '' | ||||||
| 05/16/2016 | Yes |
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| I am filing a complaint against Navient for XXXX of my XXXX private loans that are now being serviced by them. They have altered my accounts illegally so that they could take me out of my in-school deferment and place me in a position in which I needed to start repayments. By doing this they have committed fraud and breached each of the XXXX promissory notes. I had tried to dispute this with them but they refused to acknowledge my attempts at verbal disputes made through their customer representatives and emails via their site. They were also calling XXXX5 times a day. When I disputed their reports to the credit bureaus, these calls went up to XXXX7 times a day. When I informed Navient that was harassment according to the FTC and New York State, Navient stated that they did not have to comply with FTC rules and regulations. I then submitted a formal letter via USPS stating the disputed issue was that they, Navient, had altered my accounts in an attempt to commit fraud and they should return my accounts to their original state. I also submitted to them the paperwork I had from XXXX XXXX confirming my loans original statuses and that Navient had altered the accounts. Navient refused. Navient did n't even report to the credit bureaus that there was a dispute of these loans until months later. Navient indicated that they had every right to alter my accounts, even though XXXX XXXX had given me an administrative forbearance, which has no time limit, when I returned for XXXX from XXXX to XXXX rather than the requested in-school deferment. I might add that this was confirmed by me via a phone conversation with an account representative when I left XXXX in XXXX. XXXX XXXX acknowledged those loans were in forbearance during the time from XXXX to XXXX and that it would not effect my 48 months of in-school deferment if I should choose to return to school at a later date. But Navient went as far as to state to me that the original letters from XXXX XXXX, saying those loans were in forbearance, " did n't mean what they said '' and that Navient had changed the accounts for that time period to an in-school deferment status despite the agreement between me and XXXX XXXX because it was an " error ''. Please note that according to both XXXX XXXX and Navient forbearances and in-school deferments are not interchangeable. Also there is a clause in the promissory notes that address error issues called the Correction of Error clause and by altering any documents regarding my loans is a breach of that clause and the promissory note, as stated in the promissory note. Navient 's consumer advocate later told me that the reason I was placed in repayment was that I had previously used the in-school deferment time before XXXX. I confirmed with her that she was stating that in-school deferments are started after the loan is issued and before XXXX, which is in complete contradiction to the promissory notes of all my loans and in complete contradiction of their own records. Navient also contacted third parties about these loans and even referred to themselves as " XXXX XXXX ''. They even threatened my cosigner of XXXX of the XXXX loans until she started paying them and attempted to discuss my other loans with her even though she had no connection to them. They even threatened me stating they would report the other loans the cosigner was not connected to, to her credit bureaus even though they had no legal right. Navient has sent XXXX loans to the collection agent, XXXX XXXX XXXX XXXX XXXX for collection. Navient has blatantly disregard FTC, FDIC and New York State rules and conducted unethical and potentially illegal practices in an attempt to commit fraud. | ||||||
| 05/20/2018 | Yes |
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| Upon graduating in XX/XX/XXXX, I received my first bill back when it was Sallie Mae at {$800.00} plus dollars a month. There was no way I was going to be able to afford the amount, so I called and asked what I could do, and right away they suggested forbearance, so I may fill out paperwork for a repayment plan. XX/XX/XXXX thru XX/XX/XXXX enrolled in IBR plan but was unaware paperwork needed to be filled out every year, this caused my payment to double, rendering me unable to pay the payment. Navient instructed me the only option I had was to file for a forbearance, fill out the paperwork, get it back to them, then Navient would let me know if I qualified and how much the payments would be.XX/XX/XXXXthru XX/XX/XXXX enrolled in IBR plan, filled out my paperwork, not enough time for them to go through it, this caused my payment to double, rendering me unable to pay the payment. Navient instructed me the only option I had was to file for a forbearance, fill out the paperwork, get it back to them, then Navient would let me know if I qualified and how much the payments would be.XX/XX/XXXXthru XX/XX/XXXX gave up on the IBR plan and the Navient workers as they were not helpful, and I was very frustrated with not being able to reduce the amount of the loan with all the payments I had been making. I was also dealing with the death of my parents, was struggling to get paperwork done and getting the money to pay the bill, all the while trying to not have to do another forbearance. So, during this time I just tried to make as many payments as I could for as much as I could. XX/XX/XXXX thru XX/XX/XXXX enrolled back in IBR, set up auto pay, and made all my payments. I needed to fill out my paperwork for reenrollment, so I gathered everything and sent in the paperwork early to the fax number given to me by a Navient employee. I did not receive any notification for a couple of weeks, so I finally called to see where I was in the process of reenrollment. They told me they never received my paperwork, I would need to refill it out with the current date and file a forbearance to be sure I was not late on my payments. When they did finalize my paperwork, they informed me I did not qualify for the IBR and I would have to make the full payments each month. During the time I was enrolled in IBR plan I was making my payment regularly and on time. When I called them in XX/XX/XXXX, I had noticed after a full year of being on the IBR plan with auto pay set up my loan amount was higher than it was the year before I had enrolled. I was completely unaware, nor did anyone inform me that the payment amount on the IBR plan was lower than the amount of interest accumulating monthly. They also informed on this phone call after already being enrolled for a couple different years I would have needed to be enrolled in IBR for 20 years consecutively without missing a single payment or re-enrollment in order to be eligible for loan forgiveness. This entire time I was thinking I was paying my loan down, had auto pay set up, and felt I was really going to be able to pay off my student loans. Not only was I accumulating more money on my loan every month but feeling defeated and frustrated, that a large company like this would not at least give the students a heads up that the calculation for the monthly payment on the IBR plan did not meet or exceed the accumulated interest per month. This is just as bad as raising interest rates higher than they are supposed to be regarding a student loan. Also looking through the history of my loans there are a couple times I was charged back a rebate reversal but never told about it and have no idea why it was charged to my account. | ||||||
| 02/23/2016 | Yes |
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| On behalf of myself and the graduates of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) a XXXX XXXX XXXX XXXX ; we 've witnessed a milestone for the XXXX XXXX , XXXX students Debt Relief program through the U.S. Department of Education. The Debt Relief offered to the XXXX XXXX , XXXX students, acknowledged by the U.S. Department of Education, that students whom attended a for-profit educational institution, now face a debt in which the degree obtained can never be paid off. Myself and classmates whom attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) acknowledge and agree, they 've defrauded on multiple counts that include : 1. XXXX of XXXX falsely represented its academic programs as a good investment despite the fact that it knew that the default rate on student loans for its graduates within three ( 3 ) years of graduation may be well up to XXXX % ; and despite the fact that the loan payments students were saddled with prohibits students from being able to live financially independent. 2. XXXX of XXXX falsely represented to ( your name ) and his fellow Classmates that they could expect to work at some of the biggest and best companies in the world with their degrees from XXXX of XXXX. 3. XXXX of XXXX knew that many of the businesses hiring in the field of XXXX XXXX would not interview or hire XXXX graduates because of their poor reputation. 4. XXXX of XXXX hired alumni who could not find jobs and taught as professors or teachers ; having no real world experience or any certifications or history of teaching. 5. Many of these instructors admitted to the Plaintiffs that they did not have the experience or the knowledge to teach the courses they were teaching. 6. Myself fellow Classmates independently searched for required internships and externships that many times had no relation to their respective fields of study. 7. Myself and fellow Classmates who eventually did graduate from XXXX, soon found out that their degrees were not worth the financial investment they 've made and rather nominal or less than nominal value to prospective employers hiring in their field of study. 8. Contrary to XXXX 's quota driven salespeople 's representations, at all relevant times, XXXX had a poor reputation in the XXXX industry. 9. To keep enrollments up, and receive more tuition payments, teachers and professors at XXXX were pressured to pass students who did not attend classes, did not complete their coursework, or were not achieving passing grades. 10. XXXX 's quota-driven admissions representatives, pursuant to their policies, were directed to methodically avoid discussing the true facts and figures with prospective students. If prospective students raised the issues, the quota-driven admissions representatives lied, changed the subject, or knowingly misled the prospective students. 11. XXXX 's of XXXX Career Services department was staffed by unqualified individuals. The Career Services Department consisted of XXXX person, who was also a student at XXXX, who did little more than direct graduates to websites with job listings that they could find themselves, such as XXXX or XXXX, or provide compilations of such listings mined from such websites. Moreover, many of the listings provided to Class members had no relation to their respective fields of study. Many Class members, upon finding out about the inadequacies of an education from XXXX, the degrees were essentially worthless in which decided to obtain degrees from other educational institutions. However, many educational institutions policies do n't accept credits/degree 's from Nationally Accredited institutions and Class members were forced to either not attend school. | ||||||
| 07/09/2021 | Yes |
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| Good Day I have previously made a complaint in reference to my student loans and requested information on what type of student loans I have. The company advised that my loans were transferred, and I have FFELP loans which I have no information on or can see when a transferred occurred in my account details online. In addition, I have also requested all my statements and payments made on this account. I have yet to receive any statement since this account was established. I checked my emails and somehow statements that dated back to XXXX are no longer available on Navient 's site, but they were before. It showed all of my balances, payments made, etc. I have no way of knowing what my balances were and account details on what occurred on my account to ensure the accuracy. I have attached a complete view of all I am able to see on my account that is dated back to XX/XX/XXXX although I have been out of school since XXXX. My statements should still be there. It has been a few weeks now, maybe a month where they advised they would provide my statements and have not. Please see the attachment. This information on my statement is vital as one student loan was paid off that was around the same amount that Navient is advising that I owe. I would like all of my statements provided to me in a timely manner. This is my 2nd request. I do not want to speak to Navient customer service as they are rude and unprofessional. I prefer email to contact me and discuss. I have mentioned previously that I am a XXXX and have yet to be contacted by someone who can assist veterans in Navient. In addition, on XX/XX/XXXX, I received a notification that my account was in forbearance from XX/XX/XXXX - XX/XX/XXXX. I have attached the correspondence in this complaint. I still received 7 delinquency notices during this time that affected my credit, although per the letter my account was in forbearance. Navient changed reporting terms from on XX/XX/XXXX not in XX/XX/XXXX when they notified me my loan was in forbearance, no correspondence was sent in XX/XX/XXXX indicating my loan was in forbearance during covid. Instead Navient chose to report to the credit bureaus non payment during the pandemic then change terms on XX/XX/XXXX to what ever they feel is necessary for them. My credit report for Navient looks like a jigsaw puzzle as many times as this company has changed my account status in the past year is sad to us hard working employees who like myself were essential during the pandemic working for the city government. I am requesting to be contacted by email or the conversation will continue in this complaint. I do not want to speak to a Navient representative, because they are not nice and they give me anxiety. This is ruining my credit since the last year and I have no way to tell any payments or confirm what student loan I paid off of XXXX that could be this account. This again is because I have yet to see any statements from prior to XXXX on my account, which were there before. From the attached statement " This forbearance will not count against your voluntary forbearance time. Interest will accrue during the forbearance period but will not be capitalized ( added to your principal balance ). If your loans were past due, theyve been brought current. Accrued Interest for the delinquent period will be capitalized ( unless youre receiving this as a result of the recent COVID-19 pandemic ). Keep in mind, any previously reported delinquency information will not be removed from your credit report. This Accrued Interest may be capitalized upon certain subsequent conditions as permitted by law and your promissory note. ( See important disclosure section. ) " | ||||||
| 04/04/2018 | Yes |
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| Note my complaint is about Navient, not XXXX, though XXXX is the reason I found out about Navient giving me false information. This XX/XX/XXXX my loan servicer was switched from Navient to XXXX. During this process, I was informed that Navient had lied several times about my student loan repayment plan. In the last 6 years, Navient has told me several times that I was in an income based repayment plan, and that my payments would be counted under the Public Service Loan Forgiveness program. As a result of being in the wrong payment plan, I have paid an additional $ XXXX in student loan payments I would not have paid in the correct payment plan. Additionally, I may have to pay almost $ XXXX more if the debt I have after making 10 years of payments is not discharged through the PSLF program because of Navient 's actions. I called Navient several times to make sure I did everything I needed to do in order to qualify for the PSLF program. Even today, they still maintain that they put me in a payment plan that would allow my payments to be counted towards the PSLF program. on XX/XX/18 at XXXX EST I talked to a customer service rep for Navient named XXXX and they told me I had nothing to worry about because my payments would qualify. They lead me to believe I had to do everything directly through them and not the Department of Education. Navient told me that I didn't have to submit an employment verification form until closer to the date that the loan was due to be forgiven. I found out through the Department of Education that this was not the case, and that I should submit the form ASAP, I did, and it was approved. I have filed a case with the Department of Education, asking them to count the payments I've been making for 6 years now towards the PSLF program. I have also been put in an income based payment plan, my payment is around {$60.00}. Navient calculated my payment to be ~ {$200.00}. I have attached documents showing this. My income has not changed significantly in the last 6 years, as I've been at the same job, if Navient had actually put me in an income based repayment plan and calculated my monthly payment through this, my payments would have been much lower. Normally, this would only mean that I was paying off my loan faster-but since I was planning on applying to have my debt forgiven after 10 years, this is money I wouldn't have lost if it were not due to Navient 's several mistakes and dishonesty. Please understand how completely devastating this is to my family. Our entire lives have been planned around this loan forgiveness. I am almost XXXX years old, we have been living paycheck to paycheck our entire lives, I have been working a lower paying job through the XXXX for almost 6 years now, because doing so would mean I would qualify for this program. If we have to pay my loans for 6 more years in addition to paying my husband 's for at least 10 more years, we will never be able to have kids, or own a house, it will be difficult even if we do. I hope you can add me to the class-action lawsuit against Navient, and that this never happens to another student. A fair resolution to all these things Navient has done would be for Navient to reimburse the people for all the money they've lost because of Navient 's practices. A more reasonable resolution would be for some financial compensation for those most hurt by these practices. I have filed a case with the Department of Education to see if they will count the payments I made under Navient as qualifying payments towards the PSLF, I have yet to hear back from them. I have not received anything about the class action law suit against Navient through the mail. | ||||||
| 05/13/2017 | Yes |
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| I am on income based repayment for my student loans that are now being handled by Navient. On XXXX / XXXX / XXXX I submitted my required monthly payment online. I then called Navient to make an additional payment of {$570.00} that I wanted applied to just the principal of a particular loan. XXXX , the agent who took my call, informed me that I could not make a payment to my principal unless I did it online at the same time I was making my required monthly payment. When I inquired as to why, I was told that " interest accrues daily, '' and if I " made a payment a few days ago, the loan amount would n't be the same because interest has been accruing since the minimum monthly payment was made. Therefore, a payment to the principal could not be made until the following month when the required minimal monthly payment was made. '' I informed him that I made my payment today, XXXX , and I want to make an additional payment, now towards the principal, on the same day, XXXX . The agent reluctantly looked into that particular loan so that I would make a payment to my principal. Then I was told that I can not make a payment on my principal because there is outstanding interest on that loan. I told him that I did n't think it was fair that I can not put money towards the principal when I already paid my required payment, which was being applied to the interest. He refused to put my payment towards my principal, so I did not make an additional payment at that time. I asked to be sent in writing a letter that states that I can not make a payment to my principal if I have outstanding interest on my loan, even though I already made my required monthly payment. He said he would send me a breakdown of how my payments were applied. I said No, that I wanted my specific question addressed in this letter, not a generic breakdown of how my payments are applied to my loan. He said it that my question would be answered, and it would come via mail, most likely after the XXXX of XXXX . After the first year of being on income based repayment, my total loan amount increased by {$1000.00}. My payments on income based repayment do not even cover the interest on my loans, and I will therefore never be able to pay off this debt if I can not make additional payments applied only to the principal. I felt that Navient was trying to give me excuses as to why I can not make additional payments so that interest will keep accruing and the company will make even more money off of my loans. I do not think this is fair or ethical ( and possibly not legal - as I am still researching this matter. ) I felt I was initially lied to or attempted to be purposely mislead into thinking that I can only make payments to the principal of my loans online at the same time as making the minimum monthly payment. The student loan repayment website is also misleading. The section that allows you to make additional payments only has the option of keeping the following due date the same or advancing it to a later date. My auto loan, for example, has a section that clearly states " optional additional payment to principal only. '' Navient makes it intentionally difficult to make payments to the loan principal and essentially pay off student loans. I also felt that when I asked for it to be stated in writing " that I legally can not pay off my principal if there is any outstanding interest on a loan, even after making the required monthly payment, '' the agent tried to give me the run around and tell me that other information skirting around my question would be sent to me, and that Navient is trying to avoid giving me direct written answers to my questions. | ||||||
| 01/20/2017 | Yes |
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| In XX/XX/2006 when I was XXXX years old and my grandfather was XXXX something we took out a private loan with XXXX which is now consistently. This was for a XXXX degree. I was told to pay XXXX a month and that was all they could do it was never based off income. Presently I am now enrolled in college and because my loan is private no one can help me. I just have enough money to really pay my rent and the XXXX litigation has me tied in I have gotten far behind. They have forbearance tried to contact my grandfather who has well passed. They have helped me in the past with consistently, but now I have gotten so far behind with school full time and work that they were bringing me to consistently and the only thing I could do was to pay XXXX every month on auto pay to not go to litigation. I work for XXXX an hour XXXX hours a week along with taking XXXX units at school. I have to pay rent and utilities after that nothing much is left. I have no family that can help me. They have never went off my income or tried to lower my payments. If they ever did it has only been for a short time. I have utilities tons of fees by being unable to pay when I tell them this they always have some way where I still end up having to pay XXXX a month. They send me stuff all the time saying incurred has options for you and when I call I hear oh you have a private loan we ca n't really do anything to lower your payments. I now see that others too have been effected by Navient in similar ways. I do not want this to ruin my credit as it already has I am trying all I can to pay them but it is really hard when I have to pay XXXX $ to them every month while only working XXXX hours a week and being in school full time. When I was XXXX I do not think that they explained all these fine details with me or to my very elderly grandfather. I hope that I can be apart of the Navient lawsuit. I just can not pay what they are asking and they will not work with any other price as others in the complaints expressed. I have told them over and over I can not pay XXXX but maybe only XXXX and they keep charging me fees un top of fees. I have expressed I have no one to help me and I am doing all I can, but because my loan is private I have been given little help. My credit is suffering due to being so far behind. As well as if I can not make the XXXX payments for the next three months then it will go into litigation. This was the only option they offered when I told them how much I am suffering. Like how do you think I will be able to pay XXXX a month when I have told you over and over that I am struggling and in school full time. I had to agree due to I did not want to go into litigation, but I am unsure of how I will make these payments. All I wanted was them to understand while I was in school lower my payments until I was out of school to what I could pay XXXX. So I would stop incurring fees, litigation issues and weaking my credit score. I believe I took out XXXX and in 11 years I am still owing XXXX with all the fees that have been put on. I know that it is my job to pay my loans but I am truly struggling to do so and they really are offering me no help. Now I am even in worse shape credit wise and fee wise. It is not that I do not want to pay or want to be behind I simply want them to work with me while in school and stop all these fees that are ruining my credit score and causing possible litigation. I also did n't understand when I signed up that my private loan was different from a federal. As that there are many programs that work with federal loans but private there are hardly any. I like many others have felt wronged by this company and am paying the price for it. | ||||||
| 11/23/2020 | Yes |
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| XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX To Whom It May Concern : I would like to file this complaint against Sallie Mae Bank, Navient Corporation, Navient Solutions LLC, Navient Credit Finance Corporation. The complaint that Im filing is about student fraud. I have attended XXXX XXXX XXXX for five years, starting in XXXX. When I received my XXXX XXXX in XXXX with hopes to pursue my career, I had no success or any chances to get there based on XXXX losing the accreditation. I have applied many different XXXX XXXX positions, that clearly said that I had to have XXXX accreditation. Since my degree is not XXXX accredited, no one will even look at my applications, not because my name did not fit the profile but because the recruiters already knew that my degree is not accredited appropriately and they did not want to hire people with XXXX degrees. After XXXX filed for bankruptcy that was the end for my hopes and dreams. As the word spread on how bad XXXX school is, my XXXX XXXX is not of use. The whole United States new that XXXX was a fraud at that time. On XX/XX/XXXX I have filled a complaint with Borrower Defense application to Navient asking them to completely remove my loan due to fraud. I have paid {$90000.00} for my degree, spent five years of my life and have gotten absolutely nothing for it. Degree is fake, nobody wants it, so why do I need to pay for something that I received but can not use? I always believed that if you pay for something, it should equal to the same amount in value of goods, otherwise it is fraud. For the past week, I have tried to find a lawyer that can help me sue Navient to remove my loan completely like it never happened but they unfortunately will not accept my case since it is federally regulated. Since I filed my Borrowers Defense application, my loan has been put on hold. It has been three years and they still tell me to wait. The loan has been on hold but interest has accumulated. I owned {$32000.00} at the beginning of the loan and now they say I own {$38000.00}. So they will be making {$6500.00} in interest for those three years while telling me lies to hold on, they said that the government is still figuring things out. The news say we will forgive student loans that attended XXXX. But they still say that I have to pay taxes on my forgiveness which is 25 % at least from the total amount of the loan, it will probably have to be filed as a gift from the government on a tax form. If you add {$6500.00} plus the taxes that I would have to pay, it would come out to half of the money that I owed from very beginning which was $ XXXX {$15000.00}. Navient still tells me to wait some more time, that I have until XXXX in hold status. In XXXX they will be happy once that percentage accumulates to a full amount that I started with, all for a fraudulent degree. Is it not enough that I have already paid {$58000.00} for my degree and gotten nothing in return. I tried to call multiple places about loan forgiveness and they are all fake, every place I called wants {$2000.00} to look at my case. Why would I pay again and again for a fraudulent degree, plus they don't guarantee if my loan would be forgiven. It is sad that many schools defraud the students and the government allows it to happen over and over. If The Department of Education understands that students that do not receive valid degrees for the amount of money that they paid for then there should be complete loan forgiveness or to make my degree that I paid for valid for accreditation. Please contact me to further to proceed with Navient removing my loan from any payments, finance charges and taxes. Thank you, XXXX XXXX | ||||||
| 04/29/2016 | Yes |
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| This is a follow up to case # XXXX Today is my XXXX birthday, and I 'm not celebrating with friends or family. I 'm sitting alone in an apartment thinking about XXXX like I have almost every day for the last 6 years, in a very large part due to this particular student loan debt. I am going to be laid off tomorrow, and the reason is because this company harassed my coworkers at my job for months nonstop. They filled up my voicemails to the point I could not do my job and harassed the receptionist, coworkers, friends, and family over a dozen times a day. My fiance was diagnosed with a XXXX XXXX 3 years ago and died a year and a half ago. While she was sick, I spent every dollar I had on caring for her and her son and trying to help her survive. When she died, every bill I had doubled or tripled and a lot of that is thanks to the credit damage these parasitic loans have had on my otherwise non-existent credit report. The last 3 years of my life have been a living XXXX thanks to XXXX and the many, high-interest, and predatory loan packages they created in my name. The types and amounts were never mentioned and ended up being a toxic blend of private and federal. They lied about every aspect of their business from the curriculum to the labs to the accreditation, to the loans and debt load, default rates, instructor quality, and partnerships with local businesses. They frequently dragged me and every other student out of class regularly to sign unexpected, pre-created loan bundles under threat of being dropped if we did n't. When people go to a normal college or university they get increased income. With XXXX XXXX they do not and the evidence for this is clear. There are hundreds of articles I could reference that show solid proof of how XXXX XXXX, Navient, XXXX XXXX, XXXX, Pioneer Credit Recovery, and XXXX XXXX have conspired to pile tens of thousands of students in mathematically impossible to pay debt and ignored the defense to repayment process at every turn. I spent 2 hours on the phone this Tuesday ( XXXX ) trying to resolve why Pioneer Credit Recovery thinks it has the right to garnish my last paycheck, for the job they COST me, when this debt is and has been disputed for over a year. This debt is marked as defaulted because NAVIENT and XXXX XXXX did not correctly acknowledge that this debt is being disputed last year, and their ineptness continues at every level of the process. After wasting an hour talking with Pioneer they gave me a number for Navient. I called Navient and wasted another hour talking to someone who was obviously in XXXX and who knew absolutely nothing about XXXX XXXX, the Defense to Repayment provision, or the current threat XXXX faces as well as XXXX looming loss of accreditation for the exact same reasons I and tens of thousands of my fellow students have been forced to bring to the government who was supposed to be keeping them from preying upon us. The debts XXXX XXXX created in my name are fraudulent. I am at direct threat of becoming homeless because of this unethical and greedy grab for money that Pioneer Credit Recovery, XXXX, and Navient do not have a right to. My rent alone consumes 45 % of my income by itself, as it does for millions of my peers in the same situation. I ask the CFPB to help me fight this company that has already been barred from debt collection once and deserves it again, as well as correct the status of these loans that Navient failed to properly flag and process as in dispute in the first place. I would also like to point out that the half dozen high interest, private loans XXXX XXXX created are a decade old at this point and time-barred in the state of Utah. | ||||||
| 08/20/2023 | Yes |
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| According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 168is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; record keeping ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein other than directory information, as defined in paragraph ( 5 ) of subsection ( a ) ) of students without the written consent of their parents to any individual, agency, or organization, other than to the following | ||||||
| 03/07/2016 | Yes |
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| I checked my credit report, and saw I had outstanding loans with Navient and the Department of Education. I never signed for the loans. Navient mailed me a copy of a Master Promissary Note from XXXX XXXX that had an " electronic signature, '' but no physical signature. The electronic signature was my name typed. The application was never done nor submitted by me. The phone number on the application was my parents phone number, not mine. The email on the application was not my email either. The person who filled it out listed my grandmother as a reference, even though I did n't talk to her, did n't have her address, or her phone number. I reported it to Navient and the Department of Education. Navient rejected my fraud claim I placed through XXXX XXXX, and told me to just consolidate all the loans and apply for dischargement. They told me last year while my XXXX case was pending I would be automatically approved for discharge if I was approved for XXXX by Social Security. I received approval for XXXX backdated to XXXX XXXX XXXX and sent it to Navient. Navient told me I ca n't get approved for discharge for XXXX unless my approval letter states I have a medical review in seven years, even though Social Security mandates a two year review for all new approvals. Furthermore, I told them I did n't sign for the loans, they told me it was done online, and I can challenge it in writing. When I logged in to the Department of Education website, I found a letter from XXXX XXXX XXXX stating I was approved for student loans even though a letter I received XXXX XXXX XXXX stated I was denied loans. I was in the hospital on XXXX XXXX, XXXX, and permanently left graduate school at the end of XXXX XXXX and was no longer enrolled. I never knew the loan was approved, because the last letter I received from the Department of Education stated I was denied. I was n't even enrolled as a student on XXXX XXXX XXXX when the loans were approved and given to the University XXXX XXXX. I reported identity theft with the FTC already and have an affidavit, but Navient and the Department of Education are refusing to discharge my loans. They promised me they would be XXXX as long as I was approved for XXXX by Social Security. Also, Navient told me to defer my loans while XXXX was pending and it would not negatively impact my credit report, yet my credit report showed the loans as negative after I was approved for deferment. Now they are telling me I need to consolidate and " bring my loans current '' immediately, even though I make below the federal poverty line and can not afford to pay them, and even though I NEVER signed for any loans from Navient and never was told by the Department of Education I was approved for student loans when I was n't enrolled as a student. My parents applied and signed for all the loans with Navient, I never signed for them, and the Master Promisarry Note is fraudulent and was not done by me, and the loans all need to be XXXX. I have a claim with the FTC with an affidavit of identity theft and reported the identity theft to the police. My credit is destroyed and I have a new born son and am trying to buy a home for him and ca n't because Navient lied to me about deferment and discharge. Navient knew I was below the poverty line and had no income and told me to defer not discharge them, and knew I was XXXX and are still trying to get me to pay the loans. I also found out the loans accrued interest and I owe more now. Navient then lied by telling me my loans would be XXXX with XXXX approval by Social Security, now they say I ca n't because my review is in the standard two years, and now I need a doctor to fill out a form. | ||||||
| 06/16/2020 | Yes |
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| I enrolled with XXXX college on XX/XX/XXXX and when I was enrolling I told them multiple times that I will be tribal and I was working on the rest of the paperwork that I am sending and let them know what the XXXX needed to see what they were gon na be paying for. I turned in the paperwork to the financial aid ( s ) ( we had assigned aids but they all helped and none of them talked to each other to keep updated so things always got mixed up ) and I went through 4 different people during my time there and one of them never sent the paperwork and made where the XXXX wouldn't pay for it and was telling me that everything was good and the XXXX was going to pay for it and they told me I still needed the loans because the XXXX will only pay for some of the school so I signed to get loans. A few months ago in XXXX this year, I was calling the XXXX about what happened with my stuff due to a completely different school and I asked them why they never paid for XXXX college because just with them I am sitting at least XXXX XXXX when I wasn't supposed to. They told me they never sent the paperwork. After that, I made a review on XXXX about XXXX college and my old head of my program ( XXXX ) contacted me after the comment was deleted off XXXX and she had a girl from financial aid call me and she was rude and blaming me and she told me as a student it was a must to do all the footwork and never know anything going on with the process about my financial she just didn't care as soon as I was talking about the situation you could tell by the tone of voice she didn't want to deal with it and she started to give me an attitude and also interrupt me multiple times and I was sick and tired of it because I know I am young but I know what they are doing is not right and I asked for her boss I talked to XXXX XXXX and she is the one that got me finally to talk to corperate well while I was talking to her and actually getting somewhere because while I was a student they refused to give me corperates number and told students the empolyees can't give it to students or basically they will get in trouble. As I was waiting for corporate to call XXXX ( which during all this she " quiet '' XXXX college ) and she was trying to " fix '' the issue even she was cutting me off and was saying she would look into it and I kept telling her I didn't want to talk to her I wanted to talk to her boss because while I was a student I had a student try to falsy accused me of cheating on an exam and she never helped me then so why do I need her help when I was there she never would talk to students and if someone had a problem she would run into her office ) so after she hung up on me corporate ( XXXX XXXX XXXX and I told him what was going on and he said with terrible I shouldn't have had the loans in the first place and that just put everything worse as he " investigated '' everything come to find out they didn't have anything on my profile none of my enrollment agreement or anything other than my loans and I told him just that seemed off because a few months prior in XXXX around XXXX I contacted whenthe guy I use to go through ( XXXX XXXX was there everything was on my profile. An they didn't have any type of explanation and told me to contact to the loan company. It took me over a month to get that answer from them because I didn't hear anything back I had to email so many times to get an answer. I have some documentation but it is all on/in email and also paper. I am not sure how ya 'll are wanting to do that. But I just want this issue fixed because I was told when en-rolling when I got out with the loans and XXXX I shouldn't have to pay anything back. | ||||||
| 12/03/2018 | Yes |
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| I am being threatened by default proceedings by Navient over my school loans. My complaint centers around Navient refusing the option to enroll in the Income-driven repayment plan afforded students in XXXX. I explained that I was earning NO income. Another important benefit for income-driven repayment plan is that for the first three years after enrollment, we would have been entitled to have the federal government pay part of the interest charges if we could not keep up. Furthermore, in all discussions ( or attempted discussions ) they did not return scheduled calls. I was constantly pushed towards forbearance and when I inquired about loan forgiveness, they said I didn't qualify. I was forced to give up XXXX due to a XXXX case of XXXX XXXX/XXXX that prevented me from doing many things especially XXXX. This was communicated to the loan administrators although it made no difference. In XX/XX/XXXX, my husband ( who I married well after I had taken out the student loans was diagnosed with late XXXX XXXX XXXX and XXXX XXXX XXXX. The XXXX had spread to his XXXX requiring the XXXX of XXXX XXXX in his XXXX XXXX and XXXX him XXXX. My husband is unable to earn an income. We are relying on Medicaid and have recently completed paperwork to qualify for SNAP and cash advances. I have had to become his XXXX XXXX XXXX and since he has been placed in XXXX I am no longer allowed to work ( under federal law ) or he will lose his insurance. When he lost his job, we were forced to take Medicaid. Our only source of income is a small Social Security Retirement of $ XXXX/month and a Medical Pension he receives from XXXX of around $ XXXX/month depending on the exchange rate for a total of $ XXXX. We have had to sell items and rely on family to survive. No matter what discussion we held with Navient, they were simply not interested in knowing nor understanding they could not base his XXXX payments on a school loan payment for MY loan. IF I were to die, my spouse can NOT be held legally liable for these loans. I have, for years now, tried to play by their screwed up fake rules. I have called their customer service number too many times to count only to listen to a pre-recorded message that says to follow the prompts, choose the time and date when I would be available to receive a call back. So I would follow THEIR prompts schedule an appointment and wait with my phone in hand to receive a call ... .THEY NEVER CALLED! My full time " job '' now is to care for my husband. Physically, it is very demanding. When I have XXXX with XXXX XXXX, and my husband has doctor appointments, I have to rely on friends to drive him to his appointments because I am unable. Physically, I will never be able to return to the classroom to teach. I am in no position to be able to make any form of payment to Navient and this plea has simply been ignored on numerous occasions. I have written to my Ohio Representative, Mr. XXXX. He contacted Navient and they responded with a letter. I was NOT writing my congressman to ask about " requesting information to repay my loan ''. I wrote him to explain how their deceitful policies and misguided information along with our catastrophic health issue with my husband will not allow me to repay these loans. I also explained to Congressman XXXX that I didn't believe it was fair NOR ethical that Federal Congress people and their families, if they have ever filed bankruptcy for an illness or job loss, they ARE allowed complete student loan forgiveness. They also claimed in the letter they'd " attempted '' to contact me numerous times. ( NONSENSE! ) They can't even return a PRE-SCHEDULED call generated from THEIR system. | ||||||
| 04/17/2017 | Yes |
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| Greetings Consumer Finance Protection Bureau, First off, I want to say that you are a Gift from XXXX by way of the XXXX XXXX About a year ago, you helped me with my long-term credit card issues and I wanted to see if you could take a look at my subsidized student loans that I received from XXXX when I was pursuing a XXXX XXXX at XXXX University. I did not finish the entire program, yet loans that I took out to pay my living expenses and school fees which amounted to anywhere from $ XXXX have now ballooned to almost {$200000.00}. I do know that I have struggled to find stable long term employment for almost 20 years since I left the doctoral program in XXXX . I have a XXXX . in XXXX from XXXX XXXX and a M.A. from XXXX from XXXX University in XXXX . If my memory serves me correctly, I finished my XXXX XXXX owing XXXX student loan subsidized by the XXXX government. But when I decided to pursue a XXXX XXXX in literature at XXXX , I got roped into subsidized AND unsubsidized loans. At the time, I thought my financial aid XXXX was looking out for me as she steered me to the private loans. After reading the New Yo rk Times recent articles on the unethical and parasitic behavior of the student loan industry - I am now suspicious. The truth is that in XXXX , I was under the impression that I was investing in my own future as I accepted these subsidized and unsubsidized loans. My father ( who was a high school guidance XXXX ) helped pay my way through XXXX XXXX and XXXX University. I accepted a small subsidized loan in XXXX during XXXX XXXX and going off of that past experience, I assumed that it was no big deal if I accepted a series of reasonable and fair student loans as I pursued my XXXX XXXX at XXXX . My father was against taking out these loans from the start, but I felt that my parents had given me enough money and I wanted to stand on my own so I did not heed his warning. I hold the XXXX XXXX XXXX XXXX partially responsible for failing to advise me that I could never realistically expect to pay back the loans I 'd taken out as a university professor teaching literature which was the career I was planning at the time. I also know that I have to accept a huge amount of responsibility for not doing the kind of research I should have done BEFORE I accepted such steep loans. In XXXX , I consolidated my student loans. I made payments while I had regular, secure employment but got laid off and ended up doing forbearance, financial hardship or whatever XXXX , XXXX XXXX and now XXXX would allow me to file for - in order to keep my loans up to date. I 've attached several letters from XXXX sent to me over the past year. Can you look into my student loan history, study it carefully and tell me if I 've been treated fairly or exploited financially? During the past few years, I received these crazy student loan letters stating that I owe crazy amounts of money. So much that I lost track of how many XXXX they claim I owe. I know that I will go to my grave owing Navient huge sums of money that I have no earthly idea how I will ever pay. I accepted my first unsubsidized loan in XXXX when I was XXXX XXXX XXXX and teaching XXXX in a small XXXX XXXX in Georgia. Today I am XXXX XXXX XXXX and all I can think to ask is, " What happened??? '' I suspect that I 've been taken to the cleaners, but I 'm not 100 % sure. Can you help me? I 've attached student loan documents in order to help you make your determination. Thank you so much, XXXX XXXX XXXX XXXX XXXX , MI XXXX XXXX cell | ||||||
| 03/03/2016 | Yes |
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| I am writing this letter to highlight the reprehensible behavior of some U.S. companies in their dealings with their customers and to enlist your assistance in resolving the issues involved. I had the misfortune of entering into a Student Loan arrangement with the XXXX organization to finance my studies at the University XXXX XX/XX/XXXX. A friend acted as co-signer on the loan documents. The XXXX portfolio is now owned by Navient Solutions although their name is new. As you are aware the XXXX company was involved in quite a bit of criticism during the Global Financial Crisis and was found to be operating in contravention of U.S. Law. Subsequent to this application I lost my employment with the automotive industry in XXXX, and found it necessary to transfer to XXXX, XXXX XXXX to complete my degree studies and hopefully gain employment. I am still residing in XXXX, XXXX XXXX and have not been able to obtain full-time employment since obtaining my degrees due to XXXX. I am hoping to be granted XXXX in the near future. As a result of the preceding problems, I have only been able to make random contributions to the repayment of the student loans when I have been able.The matter was put into the hands of a debt collecting agency - XXXX XXXX XXXX. This agency and the new holder of the loan documents were constantly updated in regard to my address and contact details. This included my email address. For some reason the U.S. companies involved could not use email or telephone for communication and as a result any correspondence took a great deal of time to reach me. This astounds me that for a country that maintains it is the most technologically advanced in the world it has not embraced the use of Email and the Internet for communications. A majority of the mail was sent to the co-signer in the US. This increased the delay in me being able to act on it. The various companies had failed to record the correct address details as they progressively occurred. After a considerable amount of two way correspondence I was able to negotiate a settlement plan which was completed XX/XX/XXXX. This has exhausted all resources that I have. The check that I sent to cover the settlement was banked and has been cleared. It was necessary to use a lawyer in XXXX to confirm that the settlement had been made. The terms of the agreement were that all actions against myself and my co-signer would cease.I was convinced that the matter had been settled until early this month when I received a copy of correspondence sent to my co-signer dated XX/XX/XXXX. This did not arrive in XXXX until XX/XX/XXXX. A claim was being made by a new debt collection company - XXXX XXXX XXXX against my co-signer for so-called outstanding amounts. This I believe is an invalid claim in view of the settlement carried out XX/XX/XXXX. My co-signer is quite ill and essentially is only employed in a small capacity. The actions by the debt collecting agency are creating a great amount of stress which is exacerbating his medical condition. There seems to be a failure to communicate between the various debt collection agencies and the creditor or perhaps they are seeking to obtain a benefit by harassing and intimidating my co-signer. At no time have they contacted me directly in relation to the latest claim. Historically, there has been a confusing change in loan account numbers across the various agencies as the various claims were documented and this made the processes difficult to follow. I have included copies of all relevant correspondence for your information. I have done all that I can from XXXX to ensure that my co-signer is not harassed by these financial vultures. | ||||||
| 05/04/2015 | Yes |
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| My complaint is regarding Navient 's handling of my student loans. I took out loans to help pay for my college education at XXXX University in XXXX, WA. I have always made my student loan payments on time through XXXX XXXX. However, once my loans went into repayment the amount of the payments was much higher than I could afford, as I have only been able to get a low paying job that has nothing to do with my degree. XXXX XXXX at one point let me defer for 3 months if I paid them around {$150.00}. Navient, once XXXX XXXX switched over to them, has been completely unwilling to work with me, has taken unauthorized money out of my account, and has constantly harassed me. I called them when my deferral period was up to make new arrangements, and was told over and over again that I have to come up with the money and they did not care if I could afford it or not. Eventually someone told me that they would be able to put the loan into forbearance if I made smaller payments. This in itself does not make sense, as they just basically were charging me to not apply it to my loans. I authorized a XXXX time payment, and they put me on an automatic debit for that amount even though I specifically authorized only XXXX payment. When I called, I was given the run around, told that I was lying and had authorized it, was not allowed to speak to a supervisor, and told that they would review the call. They never did. Every time I called back to check on the status, they refused to talk about it and kept just asking for money. Eventually further payments showed as due on my account, which when I agreed to the forbearance, I was told there would not be any more payments due during that time period and the forbearance would be applied to all of my loans. They did not apply it to all my loans, and when I saw payments due on my account, I went ahead and paid them which was my mistake. I thought maybe there was XXXX last one I had to pay. When they took the duplicate amount out of my account from the forbearance in addition to that, I called them again and asked them what was going on, and where those other payment amounts had come from. I talked to multiple different people, including a supervisor ( only after getting very upset and refusing to talk to anyone else ), all of who could not tell me where these payments were even coming from, refusing to look into it, and refusing to give me any of my money back. To this day, I have no idea what my real payments are, why I was being charged for a forbearance that did not get rid of my payments, I have not received any money back from the unauthorized charges made to my account, and I have been harassed multiple times daily at all times of day looking for payment. This is always an automated call, and when I call back I can never get anyone knowing what I am talking about. Even with all the payments I have made in school and since, my loan balances have remained the same or increased, not decreased. To top that off, they obviously are not careful with privacy as I have received a call from them with another person 's account information left on my voicemail. All of these practices are extremely frustrating and concerning. All I want is to ideally be able to defer my payments for a little while as I work a low paying job that barely covers my bills. I would even be happy if I could work out a payment plan with them that I deem affordable. I ca n't pay them money that I need for rent. I think these their behavior, treatment of their customers, and business practices need to be reviewed and they should be held accountable for the extremely unacceptable way they are treating their customers. | ||||||
| 03/23/2021 | Yes |
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| During the month of XX/XX/XXXX, 2 months before my new repayment period was scheduled to begin, I submitted an economic hardship application per then Sallie Maes instructions, only to receive a letter back, weeks later, informing me that I applied too early. The representative I spoke with prior, never mentioned a time frame in which my submittal had to adhere to. This incomplete response to my inquiry was the beginning of what would turn out to be a very cumbersome, contradictory and fraught process. I then filed out subsequent documentation that was sent to me and submitted accordingly. For the next few months, I received nothing but inconsistent and inadequate information as the process stumbled along, eventually leading to a letter from NYSHESC, sometime during the spring. It advised me that my account was in jeopardy of default. It was in this letter where I first learned of an option that was income related. Although I applied for the IBR plan in XXXX, I kept receiving conflicting correspondence from XXXX. I actually received one letter instructing me to apply for a deferment, while another thanked me for inquiring about the IBR, both with the same date. There was one instance where I was sent a pre-populated IRS form, which I needed to sign and sent back so my tax return could be obtain directly from IRS, only to later received a follow-up letter from XXXX stating that these document can not be retrieved from IRS. No reason was given as to why this was so. I was then instructed to submit my tax return directly to XXXX. Even though I had already submitted my tax return back in XXXX. By this time I had completed my next year tax return which was indeed different from the previous year one submitted in XXXX, so I went ahead and submitted the newly completed tax return as well. Around this time, I began receiving delinquent notifications from XXXX threatenng to report me to the credit agencies ( it wasnt just a threat ) and instructing me to get in touch with them, even though I was already in touch with them through this process. It wasnt until NYHESC got involved for a second time in the fall that the process moved forward. Unbeknownst to me, during this time my account was racking up quarterly/monthly capitalized interest including {$5900.00} on XX/XX/XXXX. I was finally place in an IBR, in XX/XX/XXXX, over a year from my initial economic hardship application. There is a capitalized interest in the amount of {$5900.00}, added to my account on XX/XX/XXXX. What I want to know is, 1 ) If the amount I paid on XX/XX/XXXX was sufficient to cover all monthly payments until XX/XX/XXXX, why was my account charged {$5900.00} capitalized interest on XX/XX/XXXX in this amount? 2 ) How did that much interest accrued during this paid-ahead period? History of the account shows prior capitalized interest were added to my account only at the end of a forbearance period in which I wasnt paying anything, but never at the end of a period in which there were payments made, especially paid-ahead payments. 3 ) And why throughout the rest of the year I kept racking up additional capitalized interest with that much interest already capitalized in XXXX? I do understand that interest can be capitalized yearly OR quarterly, but I was unaware of interest being capitalized both yearly AND quarterly and in one instance 2 months in a row. All negative impact that occurred on my account for this year had nothing to do with my lack of responsibility or efforts, but rather everything to do with your corporations inconsistent, inadequate, insufficient instructions. I should not have to be the one to bear the brunt of this ineptness. | ||||||
| 07/07/2017 | Yes |
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| On or about XXXX/XXXX/XXXX I received an automated auto robot call from NAVIENT telling me that I still had student loans balance that is in default. I thought it was a scam, so I hung up and contacted NAVIENT directly. They confirmed to me that my student loans were paid in full on XXXX XXXX, XXXX. I have documentation to support this claim. A NAVIENT customer rep stated that there seems to be a problem with loan # XXXX ( ending with XXXX ) that this loan was not consolidated. According to the rep this loan belongs to XXXX XXXX XXXX XXXX, which I have never heard before nor taken any loans from this servicer. I explained this fact to the customer service rep at Navient. It is my understanding that in XXXX XXXX XXXX XXXX XXXX were transferred to NAVIENT. This is important b/c after doing some research XXXX XXXX XXXX XXXX appears to be as previous XXXX XXXX lender. According to my records the account loan number XXXX was consolidated on XXXX/XXXX/XXXX to XXXX XXXX, who later transferred to NAVIENT. I complaint how come I had not received an account statement in 3-years to my NAVIENT customer service rep. The customer service rep could not provide me with an answer and instead provided me the following telephone number to contact for more information XXXX XXXX XXXX XXXX. All of my student 's loans were consolidated and PAID -IN-FULL. I do not understand how come I keep getting these calls and they can not help me with this issue. I continously get harassed with these robot calls. I know that there was a security breach with NAVIENT, I do not know if this are scammers and they are very good at it. I have contacted the ( XXXX ) XXXX telephone number provided by the NAVIENT customer service rep, when I enter my social security number or account number as stated above, they state that there are NO EXISTING account with this information. Furthermore, I logged into XXXX XXXX XXXX XXXX and their website stated that I do not have an account with them, that there are no existing accounts ( I have supporting documentation of this as well ). I do not know who dropped the ball, but if there is any balance remaining out there for any student loan, I have not been provided with an account statement for over 3-years. I believe NAVIENT failed to paid those debts to other consolidated servicer loans such as XXXX XXXX. It is my understanding that NAVIENT took over XXXX XXXX XXXX XXXX back in XXXX. All of my student loans were consolidated into NAVIENT and all balance paid in full in XXXX/XXXX/XXXX. Please help me resolve this issue. I am very XXXX about this because I continue to receive robot calls saying that I owe money and that I am in default. I do not owe any student loan debt and I do not know where they are coming with this information. I have been going in circles about this issue. The NAVIENT customer service rep is unable to provide me any specific answers. They simply say that all of my student loans were paid in full but that I still have a balance with loan # ending XXXX. Again, she could not tell me how much was the balance and provided me a telephone number that I could call, which was the ( XXXX XXXX XXXX which according to them belongs to XXXX XXXX XXXX XXXX. If you need further information please contact me. I need this issue resolved as soon as possible and stop receiving these automated calls. All of my student loan servicing lenders have my physical address and my contact information. Account statements should have been mailed to my home address if there was still remaining a balance. I have not received an account statement for over 3-years. Until recently, I begin to receive these harassing robot calls. | ||||||
| 01/20/2022 | Yes |
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| Because the response Navient provided to my previous complaint did not address my compliant and they have still not provided what they promised, I am submitting this as a new complaint. This is a wholly insufficient and programmed response and contradicts what I am told when I contact Navient by phone and I get a different answer about how to provide OVERPAYMENT APPLICATION INSTRUCTION every time I call. It does NOT address my complaints. 1 ) I make payment in full on BOTH PORTIONS of my bill, so payments ARE ALIGNED EVERY MONTH. This satisfies the total amount due every month. A Navient rep actually told me, over the phone on XXXX, that she could apply my full XXXX payment plus my overpayment to loan 1-01, WHICH I TOLD HER NOT TO DO BECAUSE IT WOULD THEN NOT SATISFY THE MONTHLY PAYMENT DUE ON BOTH PARTS OF MY LOAN XXXX AND XXXX. NAVIENT NEEDS TO EXPLAIN THIS STATEMENT When making a payment, the due dates on both portions must remain aligned, resulting in your payments being applied across both portions when initially being made. The payment must satisfy the total amount due or monthly payment amount ( whichever is greater ) for each loan before in the set before standing or one-time overpayment directions can be followed. TO THEIR OWN CUSTOMER SERVICE STAFF. 2 ) I also PROVIDE OVERPAYMENT OF {$110.00} EVERY MONTH. I was initially told in XXXX or early XXXX that I could get my OVERPAYMENT applied to XXXX by sending written documentation with my payment every month. I have done just that. Then I was told by phone on XX/XX/XXXX that my instruction had not been followed and that I could NOT actually provide written instruction with every payment. SO WHICH IS IT? I was also told on XX/XX/XXXX that I could ONLY provide instruction about overpayment by CALLING THE XXXX NUMBER EVERY MONTH. I was told on XX/XX/XXXX that : a ) I needed to call with instruction before my payment was received which is flat out wrong, then told that b ) I would receive a form in the mail in 7 business days with instruction on how I could get overpayment instructions applied consistently to XXXX every month WITHOUT calling the XXXX number. It is now more than a month later, AND NO DOCUMENTATION HAS BEEN RECEIVED. 3 ) CAN I PROVIDE WRITTEN DOCUMENTATION IN SOME WAY TO GET EVERY MONTHLY OVERPAYMENT OF {$110.00} APPLIED TO THE PRINCIPAL OF XXXX AS I WAS TOLD WAS POSSIBLE IN XXXX AND AGAIN ON XX/XX/XXXX? IF SO, PLEASE SEND ME WRITTEN INSTRUCTION ON HOW TO DO THAT. 4 ) I was also told on XX/XX/XXXX that the rep would reapply overpayment of {$110.00} per month since XX/XX/XXXX AND THAT I WOULD RECEIVE DOCUMENTATION BY MAIL. It is now more than A MONTH later and NO SUCH DOCUMENTATION HAS BEEN RECEIVED. Even worse, I get A DIFFERENT ANSWER EVERY TIME I CALL NAVIENT, WHICH IS WHY I WANT WRITTEN DOCUMENTATION. 5 ) On XX/XX/XXXX, I was told that my overpayments COULD NOT be retroactively reapplied. 6 ) This response above says overpayments have been retroactively applied. SO WHICH ONE IS IT? HAVE THEY BEEN RETROACTIVELY REAPPLIED? IF SO, SEND ME THE FOLLOWING INFORMATION IN WRITING : a. Confirmation that all overpayments of {$110.00} per month from XX/XX/XXXX thru XX/XX/XXXX have been retroactively reapplied to XXXX b. The total amount reapplied to XXXX as a result c. The total principal balance due on XXXX now that overpayments have been reapplied ( if they have, as Navient says above ) d. The total principal balance due on XXXX now that overpayments have been reapplied ( if they have, as Navient says above ) e. HOW DO I GET ALL FUTURE OVERPAYMENTS APPLIED TO XXXX WITHOUT HAVING TO CALL AND TALK TO AN ILL-INFORMED REP EVERY MONTH???? | ||||||
| 03/29/2018 | Yes |
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| After being laid off my job of 19 years, I decided to go to school to learn a new trade at the age of XXXX. I kept getting popup adds from XXXX XXXX XXXX on my job searches so I gave them a call. The recruiter gave me an aptitude " test '' which I passed with flying colors. He said he'd never seen such a high score. He treated me like a rock star. They promised me the moon. They said I, with my exceptional qualifications, would have no trouble finding a job, especially with their " lifetime '' placement benefits. With my skills, they claimed I'd be making piles of money throughout the years and I should focus on my studies, not worry about the loans down the road. This occurred in XX/XX/XXXX. I started classes in XXXX that same year. It was non-stop until I graduated in XX/XX/XXXX with a grade-point average of XXXX. Valedictorian, " Graduate of the Quarter '', perfect attendance award and membership in some " Honor Society '' I'd never heard of. I worked hard to do this. They did actually find me a job with a civil engineering firm that has a history of hiring XXXX graduates in XX/XX/XXXX. When the real estate market crashed in XXXX, I lost that job. I became unemployed and returned to XXXX for another referral. They had nothing for me and began to not answer my calls. I did get one in XX/XX/XXXX for less than 1/2 of what I was making before, but being destitute, I took it. It lasted 2 months. No further help from XXXX was forthcoming. Several jobs later, I'm now employed, by my own efforts and doing fairly well. My student loans with XXXX, serviced by XXXX XXXX, now XXXX Navient, totaled {$44000.00}. I come to find out that my class credits do not transfer to a real school, which explains why every time I'd go into XXXX for help, the program chairman would pressure me to join their Bachelor Program-for more . A little research also showed that I could have attended XXXX XXXX XXXX for a real degree for nearly 1/2 the cost of XXXX, or a community college for even less than that. Now, XXXX is bankrupt and under investigation and I have no recourse except this complaint. I still owe Navient {$11000.00}. My complaint is not so much about paying the loan, although the 2 years of unemployment were tough. My complaint is about the false advertising and high pressure tactics to get me to sign up and continue a worthless " education '' program. While unemployed, I was repeatedly pressured to return to the school and enroll in their bogus XXXX XXXX, even though I had no job, no money or way to pay for it. Working with XXXX XXXX and then Navient was a nightmare. Every time I'd call for help I'd get different answers and information on how to proceed. I made {$100.00} payment to keep from making a scheduled {$270.00} payment. These {$100.00} payments didn't go toward my debt, they went to " Forebearance '' fees. There were also collection agencies after me during this time. I had both federal and private loans with interest rates of 7.25 %, 5.25 % and 2.875 %. And I had no way to pay them. They lied about transferable credits, they lied about job placement, they lied about just about everything. Accessing the XXXX XXXX website to make payments or gain information was an exercise in futility. They seemed to want to make it as hard as possible to navigate and make a payment. " Customer representatives '' were almost worse. The whole thing seemed like a shell game to make me suffer. And I'm sure I'm not the only one. Finally, if presented with an option of attending a public community college, public university or private for-profit school, do just a little research and run as fast as you can from the for-profit. | ||||||
| 12/16/2017 | Yes |
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| The reason I am submitting a compain with CFPB is because of the experience I have had with Navient, to give testimony to the two articles ( XXXX : XXXX & XXXX : XXXX ) I read when I XXXX " i want to complain to Navient ''. I sent Navient a complaint email for the first time XXXX/XXXX/XXXX. The following is the email and it explains at a high level the nature of my issue : Hi, I am writing to complain about the serving of my Navient account as of the past few months. I called in XXXX XXXX inquiring about the repayment option for my loans and I spoke with the Navient representative. She verfied my account and said I qualified for the repayment option. I gave her all of the facts about my financial circumstances to at least tell me how much it could be lowered to ; however, because I had just paid the XXXX balance due, the representative said call back after the statement for XXXX gets generated and before it is due so I can sign up for the repayment option program ( because they like to start it in the month I had not made a payment yet : her words ). So, in XXXX XXXX I called in again and gave them all of my information. When she completed running my info, she said my payments would be lowered to about {$110.00} a month from the {$420.00} I was paying. That was great news to me as this would be manageable to pay and I would be able to save to move my family where I live. In XXXX XXXX, when the payment for the loan came around it was over {$300.00} and this did not make sense to me from what the representative told me so, I called Navient again! Come to find out she XXXX XXXX my income and it was not accurate so that was on Navient then I gave all of my information except this time the payment was lowered to under {$100.00} ( {$97.00} I believe ). This was even greater news, because I do have a family and I am the only income so this meant more savings for my family, but no. XXXX XXXX, I go to login and pay my {$97.00} and now I see that I have {$320.00} payment and that is not what the last representative told me and this is not fair. I do not call in to get these lowered because I love to spend my money on crazy stuff. I live, eat and take care of myself and now two other people and this is not fair to us. I have dealt kindly with you all but this is not right. Navient is causing this unecessary hardship. I already stay in apartment complex where they take months to fix your heat and your A/C ( by the way my family does not live here because of the living conditions and because of fair housing act I ca n't break my lease but they mistreat me and not keep the property up to par for my family to move in??? Who can I complain to about that part of my life? Now I have to keep begging Navient like you are some big oppressor that has shackles around my ankles to please reasonable lower my monthly payments? ) I had to get two new tires for the front my car over the XXXX holidays. Nearly emptied my savings. Navient offers these programs. I the borrower did not make them up! I did not put the rules in them nor come up with that formula that calculates a payment ( that I honestly could have afforded ). That is Navient 's solution offering. Please live up to your services. Please rectify this. I have to get two more new tires for the back of my car today so do you think I will ride around for another I do n't know two months with tire pressures lower than 10 or pay you Navient? I am not paying Navient until Navient rectifies this. I already paid the fee it cost to initate the program. I am not paying for this because this is the very reason I initiated it. I need help not more money to give you Navient. | ||||||
| 02/14/2017 | Yes |
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| I have a few issues with Navient, my private loan holder. First, me and my co-signer have contacted them about different options for repayment, as right now and for at least a 2 years majority of my payments are going to the interest, not principal. Customer service never provided alternatives to this extreme imbalance in what my monthly payment is going towards. Secondly, Me and my co-signer were told by representatives of Navient that if we stayed in the program we 've been on and consistently paid on time for one year, we would qualify for co-signer release. After a year of this, and before I submitted the paper work, customer service informed me they would check my credit, take in to consideration my income, expenses, and payment history, and also it would take 30 days then a decision will be made and I 'd be contacted. Before the 30 days was up I called in to ask more questions and I asked if something changed, could I submit additional income information. I was told yes and that the 30 days are n't up. I was told to send it and mark " Additional information. '' Again the representative stressed the 30 days, it would take exactly that and I 'd be notified. At this point it was maybe 10 days left of the 30 and I submitted the additional information exactly as I was instructed by this representative. A few days later my co-signer told me she spoke with someone and they could n't tell her the decision so I called and they said it had been denied and a new inquiry was submitted when I submitted the additional income information, including another credit check. So my credit was hit one time that I agreed to, and then it was hit again when I sent in new information to be considered for the initial co-signer release!! I WAS ANGRY. The person I spoke to told me a decision had already been made when I sent in the new information, yet when I called to ask about sending new information NO ONE TOLD ME THIS OR ANYTHING ABOUT A DECISION BEING MADE ALREADY. I told the new cus. service agent what happened and they could offer NOTHING to help fix or remedy or relieve the situation. Lastly, I have contacted Navient customer service about taking classes and I called to find out if I can defer payment while I 'm in school and how many credits I will need to do this. In what seems to be a pattern with Navient, I was told two different things in less than ten minutes, by XXXX different employees. The first person I spoke to asked me what school I 'd be attending and looked up the school code and told me as long as I am XXXX, whatever the school I 'm attending considers part time, I can do an in school deferment. After this conversation I asked to speak to an account representative ( someone who is supposedly higher on the scale than the first customer service agent, someone more knowledgeable about Navient ). I asked this company representative the same questions and this person told me 6 credit hours. I said " what?! '' and told them what the first person told me and they started to stumble over their words and said " oh oh yes part time. '' At this point I 'm staring at the phone in shock and asked " ok which one is it? '' This person went from 6 crhrs to 3 to XXXX and I still do n't know what 's needed for in school deferment and I 'm not even sure if it would be processed correctly. Since then I 've felt helpless in this loan repayment with Navient. Their customer service tells you one thing and the next minute someone else who works there will tell you something completely different and they will DO whatever they want. I have tried refinancing with other companies but have not been able to be helped there either. | ||||||
| 12/28/2018 | Yes |
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| Navient incorrectly stated in XX/XX/XXXX while I was still enrolled in school full time that my Signature Student Loans had a " 48 month maximum in school deferment '' even though years had passed since those loans were taken out and nothing was documented in promissory notes. They demanded payment then let me use an internship deferment. Fast forward to XX/XX/XXXX, loans again went into repayment, they refused to acknowledge still in school status again, forced me to use month of forbearance. End of XX/XX/XXXX they demanded $ 1700+ a month. After speaking to multiple supervisors they " agreed '' to do a financial review and stated I could enter a Rate Reduction Program. After 2 months in the program, account still had not changed to reflect agreement, they then stated ( to PA State AG on my behalf ) that it was " a qualifying period to later qualify for the program by making payments stated. '' I realized by XX/XX/XXXX, at which point I did finally finish school ), I could not sustain these payments on my newly acquired job income ( was unemployed from XX/XX/XXXX to XX/XX/XXXX ) working in XXXX XXXX XXXX currently. I reached out to them and they stated " there is nothing we can do, the answer is no in terms of reducing or changing payment. '' They insisted I ask friends/family for money or " get a better job or another job. '' They refused to acknowledge I was previously eligible for deferments and purposefully mislead me to options while hiding other available options from me as a borrower. I called back again this week ( XX/XX/XXXX ) and was refused access to the consumer advocate department of their company as I was returning a call from that department. I was forced to transfer to the " collections department '' where a supervisor acknowledged the whole " 48 month max deferment '' was indeed an error but refused to provide this in writing. They also stated " you never used your internship deferment and you could have used in school deferment from XX/XX/2017 to present but chose not to '' which is a blatant lie as they INSISTED on multiple occasions I was no longer eligible for in school deferment. I asked to supervisor to cancel auto debits to my account and asked again for payment relief or another plan and was again told " by now qualifying for the rate reduction program you are no longer eligible for at least one year to apply for any other payment program. '' I can't afford these payments and they mislead me into a payment plan I can't afford at this time and refuse to work with me on this. I asked they send every communication in writing and they stated verbally " we are not required to offer more affordable payment options nor are we obligated in your state to respond to or consider requests for documents and communication in writing. '' As a XXXX XXXX XXXX and on the path to becoming a XXXX XXXX, this behavior by Navient and their treatment of borrowers is absolutely appalling and disgusting. They have lied to me, misled me, changed terms without documentation, lied about options available, and done what appears to be everything in their power to misdirect and mislead me into a payment plan I can't afford then tell me I can't get another payment plan. Please do something to help myself and thousands of others being forced into options that make the debt grow and force many of us to decide between rent or paying a company that jacks up interest on loans " because we can. '' I called looking for a workable payment plan and can't even get Navient to provide documentation on changes to these loans. This company is causing distress to thousands of borrowers who call seeking help and assistance. | ||||||
| 10/04/2018 | Yes |
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| In XX/XX/2015, I began school again, to finally obtain a degree I started many years ago. Prior to this, I had been working for a government organization for many years, and the collection agency, XXXX XXXX contacted me at my job claiming to be from " XXXX XXXX XXXX XXXXXXXX XXXX ''. The person 's name who contacted me was " XXXX XXXX ''. I don't know the spelling of her name, or if it is an alias. She left a message for me to get back to her, and when I did, she immediately then asked me " What's your date of birth? '' I asked who she was, why she was asking me for that ( I thought I was calling the XXXX XXXX XXXX XXXX number she provided ). She then abruptly said " You're getting a garnishment ''. Some days later, I received one piece of paper in an unsealed envelope from my human resources department representative with the garnishment notice. No explanation of the garnishment, no descriptions of the payments I would be making, but a notice that I worked for " XXXX XXXX XXXX XXXX XXXX '', which I did not. At that time, I immediately felt a sense of ironic relief, because although I was not able to make payments of my own accord, someone had forced me into doing it and I thought to myself, " at least now I'm making payments on this debt ''. Little did I know that this company was merely to be siphoning money from my paychecks every two weeks for years with absolutely not one piece of communication about my balance, my payments, or the way in which the payments were applied. It was never described to me that these garnishment payments were considered involuntary, which meant that I would not actually be making payments, and after many years of having this garnishment, found out my balance had actually increased. Fast forward to my decision to go back to school, and discovering through that process that a defaulted loan had to be corrected before I could enroll. Which led me to nervously calling the collection agency XXXX XXXX to inquire what I needed to do. The process of entering into a payment agreement of " voluntary payments '' which would qualify me to have my loan rehabilitated was begun, and I spoke to a number of people, each telling me they were either my case manager, a manager, a supervisor, or someone qualified to talk to me about my case. The person who identified herself as the person with whom I would speak about my case spoke with me one time, and I never was able to reach her again, even when I asked for her, the representative would not allow me to speak to her, rather, they would insist I tell them my whole story again and that they could " help '' me. During this process, they had forms for me to fill out, papers to sign, and frankly I don't know if any of it was legal. They also asked for my partner 's personal financial information and said that without it, I would be ineligible for an agreement. I countered their statements and they finally offered me a payment arrangement without having to provide any of that information. I was able to make the payments and get my loan out of the hands of XXXX XXXX and it is now in an in-school deferment in good standing with Naviance, for better or worse. It is not reasonable to believe or expect someone would be ok with someone taking money from their paycheck every two weeks for FOUR years with the assumption they were making loan payments, yet the collection agency is not lowering your loan balance with each payment ( however slight ), rather increasing it. The moment I would have known this information is the moment I would have called XXXX XXXX to inquire how to remedy the situation so I would have not been led to financial ruin. | ||||||
| 04/19/2018 | Yes |
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Web | Servicemember |
| I am a member of the XXXX XXXX XXXX. Navient is my student loan servicer, I have made multiple requests and attempts through calls, emails and fax to have the SCRA benefit added to my accounts. On yesterday, XX/XX/XXXX, I received another email stating they have again denied me this benefit due to - they say the " status of my orders being State ordered, not Federal ''. Please see email correspondence below. On Thursday, XX/XX/XXXX, XXXX XXXX EDT, MilitaryBenefits XXXX wrote : Hello XXXX : Please accept our heartfelt gratitude for all you do to protect our freedoms and know that your time, commitment, and service are truly appreciated. Per our recent conversation, I wanted to follow up with you regarding the Servicemembers Civil Relief Act ( SCRA ) benefit. Navient regularly reviews information obtained from the Department of Defense Manpower Data Center ( DMDC ) to determine your eligibility for the SCRA benefit. Unfortunately, we have been unable to establish your eligibility for these benefits through the DMDC. In order for us to apply these benefits to your eligible loan ( s ), we need a copy of your military orders. You can submit your military orders to us in one of the following ways : Secure Document Upload. If would like to take advantage of this option, you will first need to create an online account at Navient.com. Once your online account has been established and while logged in to your online account, select Inbox/Upload from the main menu. Under Securely Upload Your Documents, select Military Orders or Certification and select Next Follow the instructions on the subsequent pages to complete the upload process Reply to this email. Simply attach your military orders to the reply email and we'll take care of the rest! Fax to XXXX Mail to Navient at XXXX. XXXX XXXX, XXXX, PA XXXX We know your time is valuable and want to help answer military-related benefit questions in a way thats best for you. We invite you to try our new, automated Virtual Assistant at XXXX XXXX XXXX. Afterwards, tell us about your experience and how we did by completing a short survey. Keep in mind that you can also locate a listing of military benefits at Navient.com/military. Youre welcome to call our specialized Military Benefit team toll free at XXXX for your Military Benefit questions. Were here to help you Monday Thursday XXXX - XXXX and Friday XXXX - XXXX, ET. We truly thank you for your service to our country. Sincerely, XXXX XXXX Navient Military Benefits Phone : XXXX XXXX -Original Message -- From : XXXX Date : XX/XX/2018 XXXX XXXX To : XXXX Subject : Re : Military Benefits [ # XXXX ] -- -- - XXXX XXXX Wrote -- -- - Hello XXXX XXXX XXXX Please see attached orders for SCRA adjustment & update on accounts. Once accounts are adjusted, send updates to all 3 credit bureau reports. Thank you in advance for your cooperation. Best Regards, XXXX XXXX ( XXXX ) XXXX cell XXXX MilitaryBenefits XXXX To : XXXX XXXX XXXX at XXXX XXXX Hello XXXX : I wanted to follow up with you in regards to our recent discussion about the Servicemember Civil Relief Act ( SCRA ) benefit. Upon reviewing the orders, it appears they are state call-up orders. Unfortunately, in order to qualify for this benefit, you must be on federal call-up orders for more than 30 days, so we were unable to process this benefit for you. If you ever are on federal call-up orders for more than 30 days in the future, you will be eligible for this benefit at that time. Let me know if you have any other questions. We truly thank you for your service to our country. Sincerely, XXXX XXXX Military Benefits Phone : XXXX Email : XXXX XXXX | ||||||
| 04/27/2016 | Yes |
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| I am currently dealing with Navient in regards to my Private Student Loans. I am unable to make the necessary payment for the loans, and my deferral time on the private loans, which was 48 months has passed. I called Navient prior to the loans hitting a default status to see if another type of deferment could be offered to me, and they said no. After exhaustive research I did on my own, I did locate a deferment that my private loans were eligible for and that was an XXXX deferment loan. To make sure the private loans were eligible, I called Navient and spoke to the non-collection side ( as the loans were not in collection at that time ) and the supervisor said the loans were eligible for that and he made sure to mail me out the forms. I filled out the forms as required and had my boss sign the portion that was pertinent to her on the form. I am currently in a XXXX, which qualifies for this form. At the bottom of the form was an area I initially put " N/A '' during my first submittal, as the bottom only pertains to if you are in an XXXX at an hospital of which I am not since it is asking for licensure certification. I only needed to fill out the upper half and have my boss certify I was in an XXXX. I submit the forms the first time around for the private loans, call in to see if they are processed and the non-collection side of Navient said the form was filled out properly and it should be processed with no problem. A week goes by, I check my account and the loans are still not brought back to current and are not in collections. I call Navient and I am told the form was denied due to me having " N/A '' in the spaces at the bottom that deal with state licensure certification. I told them I used " N/A '' in those space to indicate " not applicable. So the representative on collections tells me to re-submit without the " N/A '' which is what I did, and I call today ( XXXX/XXXX/16 ) to see the processing status of the paperwork, and once again I am being told that bottom portion needs to filled out yet I am not in a XXXX. I told Navient I called XXXX XXXX about this form as Navient and XXXX XXXX form are mirror duplicates of one another. A representative I spoke to at XXXX XXXX said they get the internship form filled out all the time with that bottom portion not filled out as the bottom portion on pertains to an XXXX at an hospital where after you complete you get certified to practice in the state. The representative at XXXX XXXX said they understand their are different types of XXXX of which the bottom portion of that form is not relevant to be filled out and the form still get processed. The representative at XXXX XXXX said " she does not understand why Navient can not process the form for me as I am filling it out correctly for an XXXX that is non-XXXX related. '' Moving forward, so after my call today ( XXXX/XXXX/16 ) the representative says she has to forward my case to the Navient Ombudsman office so they can look over it to make a determination in the case, yet I have filled out what I need correctly. And the lender keeps trying to push me to use my forbearance 's I have on my private loans and I only get a few of those and only to be used in drastic emergencies. Why should I have to use my forbearance 's, if I am filling out the XXXX deferment form correctly? I also keep being told by Navient that the bottom portion of the XXXX deferment form for XXXX, that does not pertain to me, my boss needs to sign. I told Navient that if I asked my boss to sign it, they would have me commit an act of fraud. Note : These loans are currently in default now. The issue is a combination of payment and lender. | ||||||
| 07/22/2015 | Yes |
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| I have been enrolled in autodraft payments for so long that I do not know how long. I signed up for a complete payment autodraft for all of my loans that went to Navient from XXXX XXXX yet every few months, Navient chases me, claiming that I 'm late. Each time I call to pay & inquire how this is possible, they never can or do explain exactly why. So finally yesterday I called, highly frustrated, demanding answers. My account showed that I was less than XXXX $ XXXX past due ... Really?? Why did n't they take the full payment? FINALLY, after being transferred to another rep, the rep told me that I keep showing up as late because my co-signer ( mom ) has been making " partial '' payments on another part of my loan that is NOT on auto-draft. ( FYI -- I knew this did n't seem right because my mom & stepdad are not the type to make " partial '' payments on anything! ) I reiterated that for years, I was supposed to be on autodraft for EVERYTHING and that I had no idea of anyone else paying & regardless, why had no other rep EVER pointed this out to me when I called Navient any of the other times?? I told her that once and for all, this needs to be settled & to put me on autodraft, that I did not want my mom paying for my loans. So -- we went through the steps to set up autodraft for that loan. Then, I requested that the negative reporting be retracted from by credit report. She said that the only way they do that is if it is " their '' fault. I said, " It IS Navient 's fault! I have been on autodraft FOREVER & have bent over backwards to pay you all! I have the money and I 'm trying to give it to you! I have requested for everything be fixed & signed up for autodraft & you all did not follow through. AND, out of every time I have called to settle, NO ONE had ever told me about this mystery piece not included in autodraft that has had only " partial '' payments on it. So, she put me on hold for about 10 minutes to talk to her manager. She returned & said that they could " possibly '' retract the info but that it had to be in writing. She gave the address to their Credit Dispute Bureau & my account # to put on the letter. I immediately wrote my letter, and sent it overnight to them. They should get it by XXXX today, Wednesday. Well, get this -- I talked to my mom about that " Partial payment '' her & my stepdad had been making and she said that they have been on autodraft as well!!! For the FULL amount of {$48.00} on the XXXX of every month -- which is what the Navient rep TOLD them the payment was -- for the past approximate 3 years!!!! ( Btw, my mom said that when they first called, the rep did not want to even take payment from them since it was MY account, even though she, the co-signer, was trying to pay. ) So they 've paid a total of about {$1800.00} at least! So literally, all of my loans have been on autodraft but they keep claiming partial payment when it has been paid in full by both me AND my mom! Further, my loan balance keeps going up! How is that possible when my account has been on autodraft for years? For the full amount due?? Also, since they are actually doing an autodraft for that other amount from my mom & stepdad, and are not disclosing that to me either, are they now going to take that autodraft from the both of us? They are clearly predatory and are reporting my payments incorrectly. And they'e likely been doing this for years but I ca n't go back far in my online history. I also have a friend that is trying to buy a house & says they 're reporting her as late and that she is not. It is currently keeping her from getting approved for a home loan! What they are doing to people is wrong! | ||||||
| 03/31/2019 | Yes |
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| On XX/XX/XXXX I spoke to Navient Collections department. I was told that my assigned agent XXXX was unavailable so I spoke to a XXXX instead. This representative told me that I had been rejected from the income based repayment program ( after setting up about 3 years of a monthly auto-debit of {$720.00} ). He said that I needed to have my co-signer ( mother ) call in to submit her financial statement before being able to resubmit me for approval. I am nearing default on my loans because they never approved my {$720.00} payments and tell me I need to be making principal payments of around {$1200.00}. The fact that I was nearing default on only some of my loans but not others leads me to believe that they are misapplying my payments. I believe that if my payment had been applied proportionally to each loan, I wouldnt have reached this stage in my delinquency so soon. By applying my payments in this way, Navient is ensuring that I default on my loans more quickly. On Tuesday XX/XX/XXXX, my mother called in and provided her financial statement. She spoke to another representative named XXXX, who said that XXXX was not available and XXXX would be out for a long time. His version of what happened differed from XXXX. He told my mom that her financial information wouldnt necessarily help me and that I had to make another financial statement ( the last financial statement I made was in XXXX ). They convinced her to make a payment of about {$290.00} to pull some of my loans out of risk of default. On Friday XX/XX/XXXX I called the number that XXXX had given me. I was surprised to be told that my loan was no longer handled by that department and now the person I was speaking to ( cant recall the name ) was my new assigned agent. I was skeptical and pushed to try to speak to the agent that was familiar with my situation, the agent put a supervisor on the line who said they could not transfer me to XXXX and that I would need to work with them. They were not familiar with my situation at all. They convinced me to make a payment of {$29.00} and to submit more financial information. That same night on Friday XX/XX/XXXX I called back to see if I could get some more information about my loans. I couldnt find any statements online from before XXXX of XXXX. The Navient website offered no clear way to see a record of my individual loan payments, how theyve been applied, and how theyve affected my principal balance. When I asked the agent from Navient if they could provide an electronic copy of this, they told me it was impossible. Moreover, that kind of request had to be submitted to the back office and could take a week or more to send. She transferred me to general customer service to see if they could help me get the information from the website, however that agent was also not helpful. Not only did she confirm that the Navient website has no way to access loan records and documents, she also could not give me accurate answers to questions I was asking in regard to my loan history. She told me my first payment was made in XXXX, but I graduated in XXXX and started making payments in XXXX. Navient is purposefully making it difficult for me to get accurate information about my options and my loan history. While it is difficult to come up with an accurate figure based on the limited information on the website, I estimate that I have made well over {$50000.00} in payments to Navient/Sallie Mae since my college graduation. Between my mostly private and federal loans, the total amount I owe has gone up by more than what Ive paid into it. In other words, I am just throwing money away while my debt continues to grow. | ||||||
| 04/15/2022 | Yes |
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| I was under a repayment plan with Navient since XX/XX/XXXX Suddenly they ruined my credit score and they are now saying I was never in a repayment plan! This is UNFAIR and I have paid them since the start of the pandemic for my student loans. Of note, these are private student loans which are not federal, but even so, federal student loans are currently on hold by the government, even so NAVIENT has been maliciously hurting my credit score and and telling me that I never paid since XXXX. I would like my credit score to be reversed immediately. XX/XX/XXXX Show additional information for activity type debit cards XXXXNAVIENT XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX NAVIENT XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards -XXXXNAVIENT XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX NAVIENT XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXXNAVIENT XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX NAVIENT XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXXNAVIENT XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX NAVIENT XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXXNAVIENT XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX NAVIENT XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXXNAVIENT XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX NAVIENT XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXXNAVIENT XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX NAVIENT XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXXNAVIENT XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX NAVIENT XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX as Reconciled XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXXNAVIENT XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX NAVIENT XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX PA DEBIT CARD XXXX as Reconciled XXXX | ||||||
| 08/13/2021 | Yes |
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| I have written to CFCB on a previous occasion detailing the deceptive business practice of the loan servicer handling my loans ( NAVIENT ) As mentioned before, I was given incorrect information by the loan servicer. I applied for loan forgiveness countless times in which I was more than qualified for the loan forgiveness and told either I was not by a representative of Navient or there was no response to my submissions at all. I applied for the XXXX Loan forgiveness and the student loan forgiveness. I tried working out reasonable income based driven repayments only to end up with a repayment amount that was a few dollars lower ort the bulk amount divided into payments to be made in the same month that added up to the original amount. I was advised by representatives of Navient to put file for forbearances which I did on multiple occasions and when those ran out to apply for economic hardship. ( there is interest still accrued but the payment amounts were so high that the only alternative was to apply for the forbearances or hardships. The payment amount Navient imposed was so high it made it impossible to pay back all the loan payments in a month which added to {$900.00} per month. As a single person sole dependent supporting myself that was a large portion ot my gross monthly income which made it impossible to survive. In addition, the payments I had made years ago were eaten up with interest that was capped every time my loans were moved around to different servicers only to end up at Navient again. Also I never agreed to have these loans moved They were arbitrarily moved around and made impossible to track. The identification numbers for the loans were changed several times and the amounts do not add up. The dates and amounts are duplicated and do not match with the classes taken during those times. Grant money I received does not seem to be applied to the loans either. Please look into this as well. I requested promissory notes for the loans since the new breakdown of my loans do not add up and seem to be doubles and multiple loans dispersed on the same dates for the same amounts. I receive relentless robocalls from Navient and they have impacted on my credit report. I recently called to ask about the hold placed on federal loan payments due to corona virus and was told that my Stafford load is not a federal loan but a private load. When I took out that loan, I was informed it is a federal Stafford loan and has been for years and suddenly Navient tells me it is not and I am not eligible for the covid suspension. Navient has given inaccurate or deceptive information for years. These loans can not possibly be repaid, and they have more than doubled. I can not get straight information and have all but given up with this company. I have requested that their business practices be looked into with multiple government agencies over the years only to find out in recent years I am not the only borrower who has been victimized by Navient but borrowers in the tens of thousands who have been deceived, mislead and violated by unethical business practices designed to keep borrowers finacially enslaved while Navient reaps the monetary benefits through corrupt financial servicing tactics that has not only negatively impacted student borrowers loans but their financial futures as well. Navient has submitted negative information to credit reporting services that can impact on future employment opportunities, financial stability, and overall economic wellbeing to individuals and out country as a whole. Yet they continue with their deceptive practices while loan borrowers continue to suffer from their actions. | ||||||
| 08/26/2015 | Yes |
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| I attended the University XXXX. There are a number of elements to my loan service that have been at issue, there are XXXX primary concerns that are, in my opinion, criminal. Those are:1 ) the loans I took out through XXXX XXXX for my junior year of college were never deferred, and upon graduation were placed into default. I was working an unpaid internship after graduation, so being notified of this was confusing XXXX it was XX/XX/XXXX ). This had a terrible impact on my credit. I was told I needed to bring my loans out of default and into good standing before I could get it cleared off my credit score. This process has never been actually handled by Navient XXXX now owners of my private loans ) because they, despite my repeated request, do not send the appropriate forms to do so, as promised. They have the power, I just pay them every month and hope they do n't ruin my life further. 2 XXXX The other issue is in repayment of loans, particularly with interest rates which are astronomical. My loans administered by the federal government had a combined 8.5 % interest rate until very recently, when I was able to refinance and get it down to 6.5 %. My Navient private loans, on the other hand, stand at 11.25 %, 12 %, and 12 % on loans of {$6000.00}, {$10000.00} and {$10000.00}, respectively. Over the last few years, I 've made payments each month ( all but a few on time, I work for a non-profit so it is difficult to pay a quarter of my income over all the loans combined given rent and living expenses XXXX. These loans ' total balance has risen by {$5000.00} total. While working on my non-profit has the option of loan forgiveness, every time I miss a payment or am late by a few days, that clock gets reset. This begs the question - what should I do? Is there an actual expectation that I will pay these loans off? Why am I being so penalized for furthering my education, when, just ten years before I attended school, the average amount of student debt was XXXX less than what I 'm left with. These figures do n't even take into account my parents ' payments. They are trying to retire. Navient claims I will pay off these loans XX/XX/XXXX given my current payment plan. I will be XXXX years old. As of right now, I make XXXX gross ) $ XXXX. I live in a city with high rents, but my net take home, per month, is roughly {$2800.00}. In student loans alone I pay {$800.00}. If you include rent, utilities, and food, I barely break even given this salary. I struggle every month to do this. I will not be able to have kids until I pay these loans off ; going back to school, something I greatly desire to advance my career, seems impossible because I will never be able to actually enjoy my life due to these loans. I am stuck, deep in despair because the prime years of my life are being stolen by high interest rates because I sought to better myself. My parents ' ability to retire in peace has been shattered because I attended a state public university and graduated on-time. My parents were unable to pay for school, and for that we are punished. The resolution I seek is that this does n't happen to future generations, that loan servicers are held to lower interest rates XXXX capped at 1 % ) on student loans in order to guarantee that people in this country are able to get an education. My situation is already too desparate. I feel lost, like I have failed my family because I went to school ; I should never have sought a higher degree in the first place. My Dad served in the Army XXXX as well. He got put through school by the GI bill, this opened the door for me to possibly get a degree in the first place as well. | ||||||
| 08/06/2019 | Yes |
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| I requested to be placed on an income based repayment plan that would offer me a lower payment, and instead was placed on a plan that would offer me a higher payment. In XX/XX/XXXX, I applied for and was placed on the IBR income driven repayment option for my student loans. In XX/XX/XXXX there is no record of an attempt to recertify on my part in order to stay in that plan ; in XX/XX/XXXX outstanding interest was capitalized, and I then began making much larger payments, presumably on the standard repayment plan, since I did not recertify for my income driven repayment plan. In XX/XX/XXXX, I applied to go back on an income driven repayment plan ( please see that application attached. ) I very clearly marked the box indicating that I was not on an income-driven repayment plan, and I marked 2 different options for IDR plans that I would like to be placed on. The 4th page of that document clearly states that if I selected more than 1 plan ( as I did, ) that I'm requesting the plan with the lowest monthly payment, and that should multiple plans have the same monthly payment, that I would be placed on the REPAYE or PAYE plans before the IBR plan. I was placed on the IBR plan. When I contacted Navient today, a representative explained to me that the reason I was placed on the IBR plan was that I had previously been on that plan. However, nowhere in the attached document does it state that I will be placed on a plan that I was enrolled in previously ; in fact, all of the language on page 4 ( borrower requests, understandings etc. ) specifically states that I should be placed on the plan that offers the lowest payments. It even specifically states the policy in the event that I am switching between IDR plans, which implies even further that just because I was previously on one IDR plan does not mean I am seeking to re-enroll in that same plan. I specifically sought the plan with the lowest monthly payment amount. On the phone today it was confirmed to me that the PAYE and REPAYE plans are both limited to 10 % of my discretionary income, while the IBR plan ( which I was pla ced on ) is capped at 15 %. I believe Navient failed to adhere to page 4 of this document when placing me on an IDR plan. On the phone today, a Navient representative implied first that I was placed on the IBR plan because I had been on that plan previously, which is not a policy that I see represented on page 4 ( " borrower understandings. ) In fact, I find the information on page 4 to run completely contrary to that notion, given that it includes language specifying that the understandings may also apply to those seeking to change IDR repayment plans. The representative also implied that I had never left the IBR pl an I had been on, and that thus the application I filed in XX/XX/XXXX was not a " new '' application, and that I would have had to go through some exit procedure to leave the IBR plan I had been on previously before reapplying with a " new '' application to change plans. I believe that to be false for 2 reasons, the first of which is outlined in the paragraph above ( that the application can be used to " switch '' from one plan to another. ) The second reason being that I clearly never submitted a recertification in XX/XX/XXXX, and that my payment history included a capitalization of interest and an enormous increase to my monthly payments ; I had clearly been removed from an IDR plan and placed back on a standard repayment plan. So even if this idea of a " new '' application were accurate, the application I filed WAS a new one! Since I clearly marked in my XX/XX/XXXX application that I was NOT currently on an | ||||||
| 10/16/2016 | Yes |
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| I noticed that you have tapped into my credit report and pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC1692c you do not have the authority to even contact me about some purported/alleged debt. I do not recognize you being a Creditor of mine. I have not obtained verification, nor validation that we have a contract signed by myself and you binding me to even acknowledge you as a Creditor. I have explained to you on more than one occasion that you ca n't report derogatory information into my credit reports erroneously just because you say you purchased something that you think is of value pursuant to 15USC1692e ( 12 ) the false representation or implication that accounts have been turned over to innocent purchasers for value. You better take this information out of my files immediately before you have to pay the Consumer monetary damages. Your CORPORATION continue to call me knowing this Credit was satisfied. You continue to harass the Consumer pursuant to Consumer protection laws, and now you are using profane and obscene language to oppress the Consumer. These are Consumer Protection law violations. I have successfully disputed this alleged DEBT so please remove from the Credit Reporting Agency and do not try to put it back on. This information was DELETED AND NOW it appears again. This is another Consumer Protection Violation that has occurred. You did not obtain my permission or a competent Court of Jurisdiction, The United States District Court 's permission pursuant to 15USC1692k ( 2 ) ( d ). You need to keep your nose out of private business, and mind your own, you all sound like you suffer from XXXX and need to get checked for this XXXX. You also need to be XXXX for dipping into my private business. I am the Consumer pursuant to 15USC1692a ( 3 ), and you are the DEBT COLLECTOR pursuant to 15USC1692a ( 6 ), this was not under a Contract for Business, Commerce, and Trade, but because you do not know the difference that is why you try to invade my privacy, and put my information on the Credit Bureaus websites and this is another violation which can be construed as Aggravated Identity Theft 18 USC 1028A Section ( 8 ) section 523 of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6823 ) ( relating to obtaining customer information by false pretenses ) This is a Felony and I will hold a woman/man responsible for releasing/leaking out this erroneous information and putting it onto my Credit Reports without my permission. Your XXXX has to be evaluated if you think for one moment that I owe NAVIENT a dime. I did not sign a contract with your CORPORATION and I do not owe anything. Where did you obtain my private information and who gave it to you and did you steal it from somewhere? If so please tell me where it was obtained so they can go to Court along with your CORPORATION. The Consumer has the full faith and Credit of the United States. You better get all of the proof of discharge from XXXX XXXX, they are deceiving you thinking that I owe anything on this alleged DEBT. Just like XXXX XXXX XXXX states the Consumer has the right to be treated fairly and to be told the truth. You are not telling the truth, I am going to give you 3 days to take this erroneous information off of my Credit Reports. Also send the Consumer {$60000.00}. Or we will go immediately to the United States District Court, to get my money you owe me for putting this information on my Credit Reports. This information was deleted and rightly so because of my discharge, and here you are again putting it back on my Credit Reports, which is another violation. Please CEASE AND DESIST THIS DERAGATORY INFORMATION. | ||||||
| 02/07/2017 | Yes |
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| on XXXX XXXX I took the XXXX School loan for the amount of {$8500.00} and now the loan is at {$12000.00} and it has been a hard time because i havent get my license XXXX because the exams are very expensive and they do not want to provide alternatives to take out the co-signers and I am having a lot of problems with my co-sg\giner On XXXX XXXX I took a loan for {$30000.00} to complete my XXXX education and the loan at the moment have increased to {$49000.00} which to way high in interest On XXXX XXXX i tooka tuition loan to graduate for {$15000.00} and with the interests now is at XXXX. Aftyer I graduated I have had to work very hard for my last emamination with the XXXX program to become XXXX due to the problem with the economy I havent been able to obtain XXXX for the last exam due to family problems with these loans and made me behind becuase i could not take my last exam on time and I have had to repeat several times the exam. I am only XXXX step away but it happened to be that they made retake the entire exam. My income for XXXX was XXXX and I had to leave my house a live with a friend so I could pay my exam again which was XXXX plus tickets, loading and expenses and I have to retake XXXXparts more which are XXXX more plus tickets and expenses. I havent have support of my family due to the situation with navient. Now Im a full time student comleting my XXXX degree and they took out the deferement adn forebearance because I already exhauted them. However been on forebearance and deferrement they reported to the credit reports agencies hat I had several past due amount and damage my credit, my mothers credit and my fathers credit. I do not belong form a rich family and I took loans because I wanted to become XXXX but due to the economy I was left behind. I have been working with them for more than a year to erase the bad reportsI ve on my credit and provide other options to take oout the cosigners and they do not want and I have been receign the same letter from them every month. Now XXXXIm stilla full time student and they made me paid for the last XXXX loans starting XXXX and For XXXX I have to paid {$350.00} which I do not have because now I need to move, my friend only helped my for 3 months nad I took 1 yrand I need to move out, I donot have a car o a good job, my job only pays me the minumun and I not practicing my career until I get the exam approved. I can not even pay a rent of the house. I told them to lower the amount of interest they are charging because Is way to much and they said no. They do not want to continue my deferment and as far as I know I can be on deferment because I am a full time student, I have to c\work and studiy for myXXXX and the XXXX exam is killing me. XXXX is very expensive and I am just XXXX step away but last year it happened they same and I had to repeat because that is another business to get moeny from the student they failed you. I do not know what else to do. I want them to put my loans outstanding becaue i was never late because I was on forebreace and deferement for the past years because I could not pay, My loans never went to default. But they hight interest they are charging is inapropriate, XXXX interest for only XXXX loan? I want to take out my parents of them and clean their credit and clean my credit so I can get a better chance and pay them, They have been holding me and damaging my credit and how I am supposed to pay them and try to consolidate? Not fair. interest were very high. Even if I took the loand 10 yrs ago i am still struggling with the econmy trying to get a better job but I a not even working on my field. they are abusing. | ||||||
| 04/01/2017 | Yes |
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| I went to XXXX school in XXXX, OR at XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. We moved everything we owned about XXXX miles away. I remember going into the administrations office because everything was suppose to be cleared and a-okay. ( If it was n't ... why would we have spent so much time and money moving our belongings, lives, and pets from XXXX to XXXX? That would be crazy. ) Anyways, I went to the admissions office to take care of some last minute details the week or two before school started and they now had information for me that I am not qualified with out a co-signer. At that time the ONLY person I could find who could and would co-sign for me was a customer at the XXXX I was leaving to go to XXXX school. It sucks because I have made timely payments. It has been ten years since i decided to go to school. This old customer of mine and I do n't live in the same state or speak. He has a family and sure would like this off his shoulders entirely but there is nothing they will do about it. As far as my federal loans go ... forget trying to understand or even attempt to pay those. I have been in forbearance since I can remember. We were all told we would get these amazing jobs and make a sufficient amount of money each year. They failed to tell you you 're basically a glorified minimum wage worker if you 're not going to commit to living in resort or heavily populated areas where there is demand for artistic ability. Honestly, I look at my account and I do n't know whats deferred or not deferred. I stopped trying to understand things a long time ago because the XXXX and XXXX it causes me is unmanageable. Between thinking " I cant afford this, how will I ever be able to afford this?, I 'll never be able to afford this, I 'll be in a continuous growing debt for the rest of my life, I have no bright future left ahead of me, if I could catch a break I would totally pay this off to get it off my chest, I 'm doomed, I 'll never have good credit because it is destroyed due to my student loans, I 'll never be able to own a nice car or home, I wish this would go away!! '' I am looking at my account and it reads : Loan Due Date Amount Status Auto Pay Show more information XXXX Stafford - Subsidized XX/XX/XXXX {$100.00} Payment Due Show more information XXXX Stafford - Subsidized XX/XX/XXXX {$0.00} No Payment Due Show more information XXXX Stafford - Unsubsidized XX/XX/XXXX {$0.00} No Payment Due Show more information XXXX Signature Student XX/XX/XXXX {$210.00} Payment Due Alert PAST DUE XX/XX/XXXX {$16000.00} You may have been charged a late fee. Show more information XXXX Signature Student XX/XX/XXXX {$160.00} Payment Due Total Current Balance : {$58000.00} How can I ever pay this with a job XXXX that pays an average of $ XXXX- $ XXXX/hour with no benefits, housing, meals, or transportation? I have had to take a different path altogether and am still drowning. Before I went to culinary school I made every payment I had on time, I paid someone to clean my house once a week while I worked, I could afford new clothes ( I have n't bought new clothes for myself that were n't hand me downs given to me since XX/XX/XXXX ), I had great credit, I could afford vacations and little small joys in life. Life has royally sucked since XXXX school. I wish I could get my finances in order!! My poor XXXX friend XXXX got to go for three months, his financial aid got denied so they would n't let him go past the three months. He still owes the full amount it cost us all to go. Poor guy. THAT 'S XXXX. I just want life to be comfortable and not stressful again. Sincerely, Life Should Be Good | ||||||
| 04/02/2018 | Yes |
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| I received a letter from a company called XXXX XXXX on or around XX/XX/XXXX informing me that I was in collections for {$9200.00} by the XXXX XXXX XXXX XXXX. This was very confusing and devastating to me because I was already paying close to $ 700/month in student loans to four different providers ( XXXX, XXXX, XXXX XXXX, and XXXX at the time ) because my original loans were split multiple times since graduating from XXXX XXXX University in XX/XX/XXXX. I then called XXXX with my mother ( who I gave permission to speak on my behalf ), and the agent, XXXX, was extremely rude and unhelpful ( in fact gave us two different inaccurate/false phone numbers to " call someone else '' ). First he couldnt even tell us where he was located or what the company was about, but then he went on to say that apparently the amount was for two loans that had been dispersed from XXXX, which they then apparently sent to XXXX XXXX ( who Ive never heard of ). I called XXXX and they had no idea what I was talking about, that they have no affiliations with this XXXX company, and finally that my regular known account was up to date and in good standing. I then called the XXXX XXXX XXXX XXXX onXX/XX/XXXX, waited on hold for 20+ minutes to have an extremely rude agent ( I believe his name was XXXX ), who then told me my problem was with XXXX XXXX instead, and that I needed to call them to work it out. When I told him I dont have any loans with XXXX XXXX, he continued to tell me well ... whoops, you fell through the cracks, and there was nothing he could do about it. I asked to speak to a supervisor, was abruptly put on hold without warning, and waited for 10+ minutes until a woman name XXXX came on the phone. She proceeded to tell me that I needed to call XXXX XXXX, that there was nothing she could do about it either, and that it was my responsibility to take care of it not hers. In addition that it was not her problem, and that I needed to deal with it. I then called immediately called XXXX XXXX and spoke to XXXX, who informed me that he does not have any loan information pertaining to me AT ALL, and that I needed to call US Dept. of Ed. back and explain that they are mistaken and need to assist me. So I called them back and waited for nearly a half hour on hold waiting for a representative, however I was forced to abandon the call because of work. I filed a complaint back then with the FTC explaining the same situation and got the same dead end, 'ca n't help you - figure it out and pay '. It is now 6 years later, I currently pay OVER $ 800/MONTH in student loans total to four providers XXXX XXXX ( was XXXX ), XXXX, XXXX XXXX, and XXXX ... and I have yet to this day gotten any further with this issue [ side note, that $ 800+ goes up monthly thanks to XXXX and XXXX XXXX XXXX unlawful interest increase practices ]. To this day no one has been able to provide me with any new information or proof of where my loan went, and the XXXX XXXX XXXX XXXX has simply been stealing my tax returns ( $ 1000-2000 each time ) for the past several years!! Up until recently I figured this was just my unfortunate luck and was screwed, until I heard news of the Navient lawsuit submitted by the CFPB, and found out the Navient use to be a faction of XXXX XXXX but broke off from them .... taking all their records with them. My only guess is that Navient ( NOT XXXX XXXX directly, as the XXXX reported originally ), is responsible for this " lost loan '' and any records there of it. I plan on keeping a very close eye on this lawsuit, and WILL fill out whatever I need to in order to be included and get what is owed to me. | ||||||
| 12/31/2016 | Yes |
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| I have been taking care of my elderly mother who was not XXXX since XXXX. I co-signed for XXXX XXXX student loans. My son decided to leave California also in XXXX, to longer attend XXXX and leave me with the student loans. I take my financial responsibilities very seriously. Although saddened I knew that with him no longer attending these loans would not be deferred and I would be need to set up a better financing plan. With everything going on with my mom that was my main focus and I am currently not working. I received a very formal letter stating " Final Notice '' in the beginning of XXXX 2016. It contained Federal websites ending in " gov '' and appeared to be from the government. I did not notice the name of the company which was XXXX XXXX XXXX, nor did I notice the disclaimer on the bottom stating it was a fee service that I could do for free. I called them on XXXX XXXX, 2016 and spoke to XXXX XXXX at ( XXXX ) XXXX ext XXXX. She spent an hour on the phone with me. She did n't mention to me at anytime during our conversation that she was a third party and that I could apply for a student loan consolidation ( Federal Loans in the amount of {$30000.00} ) or the Income Contingent payment plan on my own for free. When she stated that there was a fee of {$890.00} I asked her why and she said it was part of the Federal Program for the ICR and that was the price to subsidize my interest for the first year and that the ICR plan was ending XXXX/XXXX/16 so I needed to act quickly. The emails I received from her showed subject line " White House ''. I thought I was dealing with the government. I called back after completing the paperwork for the ICR plan which I applied for due to not working. I was unable to get in touch with XXXX XXXX and left her a message. I did n't receive a call back so I called again the next day and spoke to XXXX XXXX at ( XXXX ) XXXX. I asked him again about the process and the fee. He did n't tell me that it was a third party fee. He stated it was part of the program??? I wanted to act as quickly as possible so I signed and sent back the paperwork. I did n't see a disclaimer regarding this being a fee based program. I called again when I had n't heard anything on XXXX/XXXX/16. I was told that the paperwork had been submitted for the consolidation on XXXX/XXXX/16. I asked what the hold up was since it was sent to them on XXXX/XXXX/16 and was told by XXXX that it was a normal turn time. I brought up my concern regarding the ICR plan ending on XXXX/XXXX/16 and asked her to expedite the process. I received a letter from Navient on XXXX/XXXX/16 stating they had the paperwork for the consolidation. I called and spoke to XXXX at ( XXXX ) XXXX. I asked about the ICR paperwork and she said she did n't receive anything. She asked me how I processed this and I told her that the only company name I could find was Assure Direct. She opened my eyes to a possible scam and referred me to the CFPB. I was in shock!!! I have already paid to installments of {$290.00} ( {$590.00} ) WHICH WAS EXORBITANT FOR ME due to being off work taking care of my mom who is not XXXX!!!! Due to my line of work, I am very familiar with and appreciative of the CFPB. I am a XXXX, my career for over 30 years. I complete my XXXX in a diligent manner with the utmost importance on fair and ethical treatment of the public and I felt VIOLATED!!! I am asking for the CFPB 's help in trying to recover my {$590.00} and to also expose XXXX XXXX XXXX so that someone else does n't get scammed. I will be educating my borrowers on this also when I return to work. I really want to see this horrible scam stopped. | ||||||
| 07/31/2019 | Yes |
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| On XX/XX/XXXX, I received notice from Navient for my XX/XX/XXXX monthly payment. Upon reading the notice, I saw that I had now been places in full repayment of my loan instead of paying the interest monthly. Prior to this notice, I paid $ XXXX monthly in interest. The new payment amounted to {$220.00}, which I was not comfortable with given my other monthly obligations. I called Navient and inquired about an the Extended Repayment option and their Rate Reduction +Extended Repayment option I saw on their website. I was told on the regular Navient call by the CSR that I would have to speak to their Credit Collections Department about these repayment options. I was somewhat confused by this information and asked the CSR if seeking either of these repayment options would impact my credit negatively. The CSR assured me that my credit would not be negatively impacted and that the Credit Collections Department just happens to be the department that handles those particular repayment options. I was forward over to the Credit Collections Department and a CSR began to assist. I explained my situation of being unable to pay the {$220.00} and she asked what payment I would be comfortable making. I told her {$100.00}. She asked me to hold and when she came back on the line she said {$120.00} was the best offer. I accepted this offer and she gave me information about the length of this reduced payment option as XXXX of XXXX. She also asked for my debit card info to have me signed up for automatic payments. I asked if I would have my information updated on Navients website and if I would receive any mailed information or documentation on the payment agreement that I had just arranged. She informed me that her department was different from Navient and that I can only call in to get information about my new arrangement. She also informed that something will me sent in the mail regarding my new payment. I was not told if my credit would be impacted and I was given no information about whether or not my previous regular payment arrangement would honor my new arrangement. I still had questions but I was at work and had to end the call. However, I decided to call after work because I still felt uneasy about my new arrangement. I also felt uneasy because upon checking my account during lunch break I didnt see any update on Navients website to my {$220.00} payment. I decided to call after work and around XXXX on XX/XX/XXXX, I called and I asked the CSR if my credit would be impacted by me setting up this payment arrangement with Collections. The CSR explained to me that the payment arrangement set up with the Collections Department had nothing to do with the {$220.00} and that I would still be responsible for the {$100.00} balance outside of the new payment arrangement with them. She also informed that I would be late and delinquent if I did not pay the full amount. At this point I became upset and sarcastically retorted that if I had to still pay {$220.00}, I had no need to put myself through long holds and speaking with countless CSRs to have me at the same {$220.00}. The CSR sensed my frustration and placed me on a hold to find out more information. Upon returning to the call, she informed that the Collections Department had already closed for the day and I should call back tomorrow so the discrepancy could be resolved. I informed her that tomorrow I would have to restart the entire conversation with different individuals and probably have the same result. Although she attempted to be helpful, I got the impression that she wanted me off the phone so that I could be someone elses problem tomorrow. | ||||||
| 04/10/2019 | Yes |
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| Complaint to the FTC / CFPB Re : Complaint # XXXX-XXXX, and XXXX-XXXX Re : XXXX XXXXSallie Mae-NavientXXXX XXXX Eccl : 5 PDFs ( included with the online submission ) XX/XX/XXXX To whom it may concern : On XX/XX/XXXX ( very early ), wanting to just solve this, I sent my statement to you using my bad English that had errors, and scans that I now realize were unreadable. I apologize for that. The help Ive received since then is reflected in this submission. Im sorry for any inconvenience I may have caused you. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I am an identity theft victim by the hand of my nephew, XXXX XXXX who illicitly got 5 student loans in XXXX & XXXX from his law school : XXXX XXXX XXXX, in California ( presently owing around {$65000.00} with accrued interest ) to Navient. I immigrated to America from XXXX XXXX when I was young ( in my mid-twenties ) and lived in my sister 's house for around 6 years ( XXXX XXXX XXXX, XXXX, CA ). Because my sister helped me to stay in the USA, I helped my sisters family by co-signing for their cars when they asked for help because of their bad credit. From that access, XXXX stole my ID and forged my signature to get his 5 student loans from XXXX XXXX XXXX and lied on all 5 of his 5 loan applications listing his mom 's business as my job, and her residential address and her phone number as mine. XXXX XXXX forged my signatures on all 5 of his loan applications, and on two of them, got my birthdate wrong. Anyone who desires to look can easily see that the signatures on the documents are not mine. Sally Mae, however ( now Navient ), preferred to believe a highly trained smooth talking professional liar/lawyer over the evidence which I presented several times, probably because my English was so bad, and my emotions were so high. Heres the evidence I sent them : 1 ) Two police reports plus one additional supplemental police report 2 ) A copy of my rental agreement proves that I was living at XXXX XXXX XXXX, in XXXX XXXX from XXXX through early XXXX ( not what XXXX wrote, XXXX XXXX XXXX, XXXX on his loan application forms ). Please note that the attached rental agreement copy is for the same time period that XXXX XXXX forged the loan applications. XXXX XXXX a XXXX in XXXX XXXX, was the owner of the rental property, you may verify this with him. 3 ) Notarized copies of my signature, contemporary with the forgeries, show how different my signature was from his forgery. 4 ) My credit history, which XXXX added to ( altered ) during XX/XX/XXXX-XX/XX/XXXX. He added his XXXX middle name, his old phone numbers & address in XXXX and XXXX to cover his tracks to make it look like it was mine on my credit history. ( This is a lawyer who weaponized his knowledge against his victim ). 5 ) Also, I was a XXXX XXXX XXXX at XXXX - I was not working, but XXXX XXXX wrote that I was working for his moms company making {$7000.00} a month on his 5 loan applications. To verify this, you may check my IRS records, and my XXXX school records. Ignoring all this evidence, Navient has continued to pursue me from XXXX to the present. XXXX stopped making monthly payments when the 10-year statute of limitations ran out, which I knew nothing about. Thats when XXXX, the lawyer, purposely defaulted on his loans, knowing that I could no longer pursue him criminally. I learned this later from another lawyer. Ignoring all this evidence, Navient has continued to pursue me from XXXX to the present. Thats when XXXX, the lawyer, purposely defaulted on his loans, knowing that I could no longer pursue him criminally. I learned this later from another lawyer. | ||||||
| 02/21/2017 | Yes |
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| I have been poverty stricken over the past several years, for a number of reasons, XXXX health, XXXX, location which I live. Health issues. My original loan was for XXXX College. XXXX per Trimesters. I went through XXXX trimesters at the school. Started a Third Trimester. And just past the tuition grace period of that new trimester was shown the door from the college due to " attitude problems '' and bad GPA, I was forced by the Admin to withdrawl. Now burdened with an extra XXXX in tuition for schooling I never attended. I was dejected and felt like prey, by Sallie Mae and the XXXX school. I started to pay the money back. Fell in and out of poverty. Left the States to travel abroad and forgot about the loan. {$18000.00} turned into {$32000.00}. I moved back to the states and started paying it off. First pulling it out of default and then continuing to pay on it. The loan repayment averaged {$130.00} to {$300.00} per month. I paid what I could when I could. During the great recession of XXXX I fell in arrears on many payment. I was going to apply for forbearance when a series of coincidentally timed events ruined my chances of going into Forbearance. First, I had a XXXX XXXX I was receiving all my corresponce from Sally Mae at for months. Then I had to renew the box. The XXXX XXXX acted like he was excepting my expired car insurance card as proof of residence. I had been given most ( not all of mt mail ) by XXXX of the XXXX Workers. ( she could have been fired for doing so ) However. Inside the XXXX XXXX I was locked out of was a final statement from Sallie Mae demanding payment. I did not know it was there and would have contacted them had I known to avoid another default. From what I found out later. Had I just made contact and arrangements everything would have been fine. However, I was working several hours away in the Texas XXXX. which I kept those jobs for only brief time periods. But in between I would come down and check my mail when I went to see my daughter. It was the end of the year, I believe XXXX? I went to my box in late XXXX XXXX and had been locked out. I was given some of my mail but not all of it. I came back a month later on a short break from work.I found out I had been still locked out of my box. It wasnt until after XX/XX/XXXX when I resolved the issue with the XXXX XXXX and got my mail. THIS, was after I had received a call from a XXXX XXXX claiming they now were in control of my Sallie Mae Account and that I was in default. I had never even received my letter from Sallie Mae until AFTER THEY COLLECTION AGENT had made contact. And then there was only XXXX warning in the box from XXXX. I never got my second or third warnings. Then the agent who called me told me that I now owed {$4000.00} MORE on the loan just because now it was in default All the monies I had just worked so hard to pay down the loan ... .Wiped out,. Because a XXXX XXXX, fooled me into thinking I had clearance to have my XXXX XXXX XXXX unlocked and free access to my mail. Instead. I was blocked from my mail for almost 2 1/2 months of time. I asked for payment options. I was told there were none. And, if I didnt pay them today. I would owe an additional {$6000.00} for the year. So now, with XXXX phone call I am going to owe {$10000.00} on what was originally {$18000.00} for which I had already been over charged for in the first place. I threw my hands up in defeat and gave into the fact that it would be IMPOSSIBLE for me to EVER catch up with the loan company and there demands. I quit paying. The original loan should have been {$13000.00} now it is probably near $ 50k or over. | ||||||
| 09/03/2015 | Yes |
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| From about XX/XX/XXXX - XX/XX/XXXX, I borrowed a total of {$120000.00} in principal from Sallie Mae to complete my undergrad studies at XXXX University. The interest rate was exorbitant, given that I did not have good credit. My mother co-signed on all three loans ; I was the student borrower, but, to my surprise, Sallie Mae omitted my name from XXXX of the XXXX loans and processed them entirely under my mother 's name. Therefore, she is burdened with my debt to her name. A lot happened since graduation, including being unemployed for 1.5 years and not being able to honor payment arrangements, or meet the payment amount that Sallie Mae demanded. I sought lower monthly payments and was told by Sallie Mae that I qualified for a reduced interest rate, which lowered my payments at the time, but I was not informed that by accepting the lower interest rate, the loan term doubled. Whenever I was unable to meet the payment amounts, Sallie Mae blatantly rejected my payment offers and proceeded to badger me with hundreds of calls and threats ; one of its reps ( either a Sallie Mae employee or the agency that was collecting on its behalf ) called my mother 's place of work and discussed the matter with her supervisor. Prior to getting married, a Sallie Mae representative called my home phone and proceeded to discuss my affairs with my then fiance, though I had not given permission for such to occur. The total that I owe has ballooned to over {$220000.00}, due in part to interest, and also due in part to monies that were added to the principal every time a requested deferment was processed. I was also charged a total of {$150.00} to defer the loans ( {$50.00} each ) per deferment occurrence. Several collection agencies have managed my Sallie Mae accounts in the last four years, and I recently completed the latest payment arrangement with XXXX XXXX for {$500.00} per month for all three accounts, because that was all I could afford to pay. I am overwhelmed by my debt and the constant collection efforts. I am desperate to reduce the debt and get an affordable settlement that I can manage to pay monthly, rather than as a lump sum. Sallie Mae or its collection agency informed that it would be willing to " forgive '' the remainder of the loan if I make a one-time payment of {$100000.00}. If I had {$100000.00}, I would not have to be hounded by their collections efforts. I think Sallie Mae 's lending to student borrowers is predatory, just like what banks did to unassuming home loan borrowers. I am desperate for assistance and feel hopeless about my future. I will never be able to own a home and have good credit. My enormous debt has been a cause of contention between me and my now husband, because after he learned about my debt via conversation with the collector who called my home, he expressed that it would not be suitable to marry me, given the exposure he would also have as my husband and the fact that I was not transparent about my student loan debts. I threatened to expose Sallie Mae 's practice of preying upon poor students, its collection practices, its refusal to cooperate with borrowers during difficult times, as well as the fact that the change in loan terms is not divulged to borrowers. I believe that as a result of my threat, the debt was removed from my credit report, but I believe it might be added back, since the payment arrangement that I honored expired at the end of XXXX, XXXX. I implore your agency to examine my case and assist me in any way possible. My loans are now being handled by XXXX XXXX XXXX, XXXX of XXXX, FL. Thanks for your time and consideration. | ||||||
| 02/27/2017 | Yes |
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| I continue to have ongoing issues with my private student loans that are serviced by Navient. In XXXX I first submitted a complaint to CFPB about Navient wanting me to pay in excess of {$1100.00} per month for my private student loans ( on top of what I was paying for my federal student loans ). I paid what amount I could each month. They repeatedly made harassing phone calls to the employer of my mother, father, and me after it was requested that they stopped calling. Only after this complaint was submitted was I offered lower payments of {$420.00} per month under their " Rate Reduction Program ''. However, I first had to pay the {$420.00} for three consecutive months ( all while the $ XXXX payments are still being negatively reported on my credit, interest being capitalized, and payments being applied only to interest ) in order to be " enrolled ''. I have been in this program and paid on time through automatic withdrawals ( was told this was the only way I could pay ) for the past 14 months. I recently received a letter from Navient stating that my enrollment in the program was ending and that my automatic payments will be increasing. Therefore I called to request an extension in the program. I was first told that my cosigner needed to call in to provide a statement of income. After that was completed, I called and provided my income statement as requested on XX/XX/XXXX. During this time, the Navient representative ran my credit without my permission and asked " Why I had a second vehicle in my name ''. I was also asked about merchant credit card accounts and what items I was purchasing from them and why. The representative stated that I had no late payments on my credit report except for the Navient payments and hinted that I needed to do the same for their payments. I was bullied about providing my spouses income and I explained that her name was not on any of my loans and they were taken out before we even met. I was told that her information was required to see how much money was in my household. I further explained to the representative that I had an unborn child on the way and that my forbearance on my federal loans that I was using in order to pay the private loans would soon be running out. I told him that money was already very tight and my credit cards were maxed out due to these payments and that I needed to reduce these payments in order to stay current on my payments. The representative informed me that my monthly expenses exceeded my monthly income and I agreed. Unfortunately, even though my income has not increased, I was told that the temporary XXXX interest would be increasing to XXXX and my payments would be increasing from {$420.00} per month to {$530.00} per month. I explained that I could not afford that much and I needed a decreased amount to stay current. I was told that was all that could be offered and I replied that I needed to sit down and figure out what to do and I would call back. The representative told me that the offered terms may not be available when I call back and stated that I was turning down his offer. I replied that I was not turning it down but that I just needed some time to look things over after receiving the news of the increase. The representative said that I may have to go through all this again when I call back. Furthermore, he explained that rate reduction program was a stair-step program, and that interest and payment amounts would continue to increase until I reached the original monthly payments of $ XXXX per month. I replied that all of my private student loan balances have more than doubled due to high interest. | ||||||
| 01/24/2017 | Yes |
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| While in Chapter XXXX Bankruptcy, part of the debt included repayment off XXXX Navient Student loans of {$11000.00} and {$42000.00} respectively. I took out these loans to help our son, Will, complete his XXXX degree at the University XXXX. The bankruptcy trustee indicated that these, along with all of the other " Unsecured '' debts included in our settlement, would not be accumulating interest. In e paid off all of our bankruptcy debt early after receiving an inheritance, including the XXXX ( Navient ) loans. After the bankruptcy case was closed, ( discharged as of XX/XX/2016 ), I received a letter from Navient stating that we still owed them {$2500.00}. The bankruptcy attorney thought it might be for accumulated interest not included in the Chapter XXXX filing. Navient provided no explanation for the additional fee, but implemented an electronic billing of $ XXXX/month for the {$2500.00} mysterious debt. My wife and I paid the {$2500.00} to Navient and received a payment in full letter. Now, I believe that we have been wrongfully charged by Navient and would like to seek a refund, plus interest. What follows is a transcript of the communication between myself and our Bankruptcy attorney 's legal aid - From : XXXX at XXXX XXXX XXXX XXXX ; Sent : Monday, XXXX XXXX AM To : XXXX XXXX Subject : RE : Ch.13 XXXX Outstanding Student Loan Amount Issue Hi XXXX , I will look in to it and see what I can find out. I had a case recently where the same thing happened and it was interest that accrued on the debt while the bankruptcy was pending. The proof of claim that is filed in the bankruptcy gets paid at face value but the interest continues to accrue. I 'm not sure if that is the case here for you, but it very well may be. I 'll see what I can learn. XXXX XXXX Legal Assistant XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( fax ) XXXXXXXXXXXX From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Monday, XX/XX/2016 XXXX To : XXXX at XXXX XXXX XXXX XXXX ; Cc : XXXXXXXXXXXX Subject : XXXX XXXX Outstanding Student Loan Amount Issue XXXX , I hate to bother you after our XXXX bankruptcy has been completed and closed, but recently we 've had NAVIENT ( the old XXXX XXXX Student Loan dept . ) send us an electronic billing in the amount of $ XXXX/month against a loan balance of {$2500.00}. I called the NAVIENT help line, but the person was of no help. Per our Ch.XXXX final status, we fully paid off XXXX separate claims associated with our student loans : Claim # Orig. Claim Amount XXXX Department of Education - U - UNSECURED {$11000.00} XXXX XXXX XXXX ( XXXX ) - U - UNSECURED {$42000.00} The individual I spoke with said that I needed a letter from our attorney stating that we had, indeed, paid off our debt to XXXX XXXX ( NAVIENT ). Obviously, if this is a legitimate outstanding debt, we will pay it. But I ca n't really tell. The other peculiar thing about it is, we never asked NAVIENT to put a HOLD on any loan payment. Had we been late on a payment to them, I would expect them to raise all sorts of fuss at not being repaid. The question then is, after paying {$54000.00} toward our educational loan debt, how is it that we still have {$2500.00} remaining? And even then, why did NAVIENT wait XXXX XXXX years after going into bankruptcy before asking for repayment? Can you help us straighten this out or point us in the right direction? Thank you for your time and attention in this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX | Work XXXX | Cell XXXX XXXXXXXXXXXX | ||||||
| 09/01/2022 | Yes |
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| I noticed on my credit report that Navient loans could be negatively affecting my score ( this is what XXXX XXXX said was reporting on my credit report. ) After receiving an email from Navient saying my payment was late I called as I have an Income Driven Repayment Plan of {$0.00}. I called Navient ( XXXX ) informed me ( incorrectly ) that my loans are in repayment with a past due of {$220.00} ( 4 days late ) and this will increase with this months payment for a total of {$1000.00}. XXXX was motivated to collect a payment. I informed XXXX of my current IDR. She informed me that it expired and the pause on student loans didnt apply to these loans. I informed her that the IDR is current for {$0.00}. She continued to reiterate the loan was late and the IDR expired. I researched on XXXX and called my other servicer ( XXXX ) who informed me that I am correct the IDR is current and expired on m XX/XX/XXXX. Student aid says XX/XX/XXXX. I called back to Navient as Im trying very hard to repair my credit and keep it in good standing. XXXX of Navient was condescending and borderline rude in telling me that my IDR expired on XX/XX/XXXX. I also received a security alert that my FSA information was changed. I did not give him permission to make any changes to my account yet he changed my name to include my middle initial which I do not use for my loans. I couldnt remove it without losing access until it was confirmed. Also, XXXX assured me he could create a new IDR for my account. I informed him that my other service providers have accurate information and are reporting accurately and declined the offer. Unfortunately, he left me on hold for at least 20 minutes more when XXXX picked up the line saying she was a supervisor and she doesnt know why Im holding for her. I informed her that my IDR expires on XX/XX/XXXX and theyre records are inaccurate and theyre reporting inaccurately to the credit reporting agencies. She told me I was incorrect and theyre not reporting to the credit reporting agencies and my IDR is expired. She asked me to walk her through what I did on Navients website to see that the IDR was still in place. I walked her through it and she informed me that what I was reading was incorrect although she could see that if I proceeded I would be exiting my current IDR. XXXX said that that doesnt mean I have an IDR in place. Unfortunately, I was not speaking to a representative in the United States. In addition, XXXX conveyed to me that other consumers reported this same issue and what she was telling them to send Navient the copy of their IDR or do a recertification. I informed her per their website it says it will recalculate the IDR and it will not take effect until XX/XX/XXXX. I also informed her that as my service provider it is their job / responsibility to report and maintain accurate information. Although, XXXX was condescending as well she informed me that Navient was aware of the issue of IDRs coming over from XXXX but with blank pages at which time I asked if Navient was aware of the issue why are they reporting inaccuracies to the credit bureau and sending out threatening late notices when consumers are experiencing such hardships right now? I confirmed that she said XXXX is the problem not Navient and disconnected the call letting her know I would be filing a formal complaint. In addition, I believe that due to Navients inaccurate reporting on my credit report theyve helped to hinder me from getting a refinance on my car loan which would help ease some of the pinch I feel on y finances. The entire experience was / is distressing and negatively impacted my XXXX. | ||||||
| 10/12/2016 | Yes |
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| I am a co-signer on my son 's loan. He has been in a XXXX for the last year and is unable to pay his loan. He is unemployed and I am supporting him.So I was forced take his loans over after several deferments. His XXXX sister was XXXX about the same time. I asked Navient to please work with me since I could not afford to pay the full amount due on both kids loans and all our medical expenses. I gave information about my monthly bills and the fact there was nothing left over. I was given a reduced payment and set up auto draft. A few days later I got a collection call. I told the person I had changed the payment. He said, " Sometimes it takes time to catch up. '' Just ignore the bills and calls. The next month I got a letter denying my modification. I called and the awful rep. replied, " Do n't you have medical insurance? '' Looking at your credit rpt you have been able to pay all your bills on time. Much of this was thanks to XXXX. He said you have plenty of money in the bank. There is {$XXXX}! I explained that I XXXX salary. {$3000.00} alone was for the mortgage payment. He was so heartless! I called back later and spoke with another woman. She told me that according to my credit report, I had no mortgage. This explained a lot! She had me scan my bank statements and mortgage statements and said she would send it for a reconsideration review. She asked if they still could take out the auto draft for the reduced payment. I told her yes. I heard nothing for several weeks and started getting collection calls again, even though they took were suppose to take money automatically out of my checking account for payments. When I called back, the first rep. said he knew nothing of this loan payment review conversation and I owed a lot of money. He could not find any notes or scanned documents or any information. Frustrated, I asked to speak with someone who might know about my loan reduction. Finally a supervisor came on and said that he found the information ( after 1 hour ) and did not know what happened. He would look into it and call me back the next day. He never did. 4 days later, I called. I was told my loan was in administrative review and they could not access it. Desperate, I found a bank that would refinance at a much lower rate. I was thinking my issues with Navient were done. They were not. Suddenly Navient reported to the credit bureau that I was 90 days behind on my payments. This was not true. They were suppose to be taking payments on auto draft and I was never 90 days late. I also said, I only missed one payment! I called Navient and again no one knew what I was talking about. I asked about the call that I was suppose to get back weeks before. They told me they called on XXXX XXXX, but did not speak to me and did not leave a message. I left a work number that I was at until XXXX and after that they were told to call me at home. I was waiting for the call. They never called or if they did, they never tried again, according to their records. I asked the rep, who supposedly called, because I would like to speak to him. She did not know the name of the person. She said it was a different office. I asked what the resolution was regarding my payments? They said the person who called did not log notes on, it so they did no know. There there were also no notes about the results of their supervisory review or credit report repair. I also filled out a form for the ombudsman -- they never called. I asked the person who I could contact regarding this. She told me to mail them a copy of my credit report and she would resend this to the ombudsman. They have ruined my credit. | ||||||
| 05/28/2019 | Yes |
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| Continued messages left on voice mail from Pioneer Credit Recovery asking to call regarding debt collection. I have NO outstanding debt of any kind. Company information Pioneer Credit Recovery , Inc . XXXX XXXX XXXX. XXXX, NY XXXX Telephone : ( XXXX ) XXXX Website : http : //www.pioneercreditrecovery.com/ " How many complaints are there against Pioneer Credit Recovery PCR? The XXXX has posted 3 separate notices of government action against Pioneer Credit Recovery. There is also a statement regarding the U.S. Department of Educations decision to cancel their contract with PCR due to allegations they werent engaging in fair and straightforward practices in compliance with Federal and State laws. In addition, the XXXX has closed 261 complaints against PCR in the preceding 3 years, with 42 complaints closed in the past 12 months. The majority of these complaints alleged problems with customer service, with 85 of the complaints alleging problems with billing and collections. Since XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) has received 68 complaints about PCR. XXXX lists at least 20 cases of civil litigation involving PCR. '' " Currently, there are three pending actions of civil litigation against PCR formally brought by a government agency that have not yet been resolved. Two cases were brought by the State Attorneys General of Illinois and Washington. The third case was brought by the CFPB on behalf of the federal government. In XX/XX/XXXX, the Illinois Attorney General filed a lawsuit against Navient Corporation, its subsidiaries Navient Solutions Inc., Pioneer Credit Recovery Inc., and XXXX XXXX XXXX and Sallie Mae Bank, over widespread abuses across all aspects of its business, including student lending, student loan servicing, and student loan debt collection. Also in XX/XX/XXXX, the Washington State Attorney General filed a lawsuit claiming the business is in violation of state law prohibiting violations of the Consumer Protection Act, relating to the origination, servicing and collection of student loans. ( Those practices included improperly steering financially distressed students toward short-term for bearances, engaging in aggressive and misleading collection tactics, and more. ) In response, PCR alleges all the charges are unfounded, and that the timing of these lawsuitsat midnighton the eve of a new administrationreflects their political motivations. The third action was filed by the CFPB. In a 66-page indictment, the CFPB has alleged widespread fraud and abuses by Navient and its subsidiaries, including violations of the Consumer Financial Protection Act ( CFPA ) ; the Fair Credit Reporting Act ( FCRA ) ; and the Fair Debt Collections Practices Act ( FDCPA ). Charges include allegations that Navient and its subsidiaries routinely steered borrowers to repayment plans they knew would result in higher costs to borrowers ; deliberate misadministration of payment processing and repayment program enrollment ; deliberate misreporting of credit information to the credit reporting agencies ; deliberately misinforming borrowers about credit reporting practices and collection fees ; routine payment processing errors ; and other deceptive and unfair practices that often resulted in financial gain to Navient and its subsidiaries. PCR posted a response to this action that also denied wrongdoing and accused the CFPB of being motivated by politics. Details of these complaints, including the entire 66-page indictment from the CFPB, can be found under the Alerts & Actions tab on the profile page for Pioneer Credit Recovery on the XXXX website. '' | ||||||
| 09/29/2018 | Yes |
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| I have been officially XXXX since XXXX, and have been receiving Social Security benefits for the past few years. In spite of my current predicament, I have continued to make my monthly debt payments, including my student loan debts. One of my lenders is Navient, with which I hold both private and federal loans. The former are variable-interest, which means that my monthly payment has steadily gone up from {$240.00} to the current amount of {$320.00}. This is under an interest-only payment plan, which expires this month and which I can not renew. My new monthly amount is {$490.00}, which I absolutely can not afford to pay. At XXXX XXXX today, Saturday, XX/XX/2018, I called Navient in order to find out whether I qualify for any other repayment plan. I specifically called today because my father, who does not live with us, was visiting our family this weekend. He only speaks XXXX, and as my co-signer he had to be present in order for Navient to take a financial statement from both of us. I informed the representative of this right away, and she said that she would take my statement first while we waited for a translator for my father. This impertinent customer service representative who answered my call told me that if approved, I would have to make a payment of the new, approved amount both for XX/XX/XXXX and XX/XX/XXXX over the telephone today, and asked me how I would manage to do that, if I could not pay {$490.00} for just one month. To this undue and impertinent question I replied that just because I could not pay almost {$500.00} on a monthly basis for an extended period of time, did not indicate that I could not pay, say, {$600.00} total, for two months over the telephone in one day. She went on to ask me to list my monthly expenses. I stated that I pay my loans and my credit cards. Off the top of my head I said that I pay around {$700.00} in credit card bills, and she quickly said that I could not be approved because the difference between that and the monthly {$1500.00} check that I receive from Social Security was enough to cover the {$490.00}. I told her that I have other student loans besides Navient, and opened up a chart I have on my computer to actually look at my monthly payments. The non-Navient loans equal about {$370.00}, which brings just that to {$1000.00}. The difference between {$1500.00} and {$1000.00} is {$440.00}, which any first-grader will clearly tell you is less than {$490.00}. I recalled that besides these payments, which I schedule myself on the computer every month, I also have automatic debits. I started to tell her this, and she said to stop right there. Then she proceeded to call me a liar. And said that I was disapproved for a repayment plan. My impression from the beginning had been that this person was intent, from the get-go, on disapproving my request, and on not listening to any one but herself. Her calling me a liar was offensive, to say the least. Without further ado, I hung up on her. To clarify and continue what I stated above regarding monthly auto debits, I also pay, every month, {$40.00} in pet insurance and {$39.00} in health insurance premiums for prescription drug coverage. I also pay {$60.00} in office visit co-payments in cash every month. I have records of all this. The {$1500.00} check does not cover all of these expenses, and it certainly does not cover transportation, medication, and miscellaneous expenditures, so many times I have to pull from my savings or use a credit card or ask my family for help. Call it the reality of living in America these days. Maybe these should be taken into account. | ||||||
| 01/09/2020 | Yes |
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Web | Older American, Servicemember |
| My husband is the co-signer on my daughter 's loans. We pay half of them, she pays the other half. For ten years, we have been fighting with Navient. They consistently misapply the payments. They then send the accounts to their debt collection department, even though they have received the payments. The debt collection people call and harass us, and follow up calls with nasty letters threatening legal action. This happens despite us taking their calls, and most importantly, despite the fact that they have been paid. We have been working with their Office of Consumer Advocacy literally for years on this issue. No resolution has happened. They have been told by my daughter not to call my husband. They do anyhow, and they do so without ever calling her. My husband received five calls this past Monday, and then we got three letters in the mail this week with threats. My daughter was never contacted. They received the payment they were demanding on XX/XX/XXXX, via auto bill pay from our bank. The supervisor I spoke with at Debt Collection, XXXX XXXX, employee ID # XXXX, told me that we have been sending our payment to the wrong account number. The account number we have been using was given to us by Navient. We had been working with a woman XXXX XXXX in the Office of Consumer Advocacy since XXXX. She suddenly disappeared from our case in XX/XX/XXXX, and our case was reassigned to a woman XXXX XXXX, employee ID # XXXX. She did not return calls or emails to my daughter in any kind of timely way, more often than not blowing her off altogether. I called yesterday, XXXX, and got her on the phone. I told her straight out I wanted the case reassigned. She resisted my request x 3. She claimed that because of their automated system, she could not do anything to keep the debt collection dept. from calling us, although she reported that she had gone into the account to reapply the payments correctly after they had yet again been misapplied. However, Ms. XXXX had somehow been able to keep the debt collection dept. from harassing us. She went in every month to fix what billing had done wrong, every month since XXXX. When Ms. XXXX agreed to reassign the case, I insisted on speaking to a supervisor to ensure that reassignment happened. I spoke with a man, XXXX or XXXX, employee ID # XXXX. He assured me that this reassignment would happen. Soon thereafter, my daughter was contacted by XXXX XXXX, who had disappeared from the case. She is now assuming the case again. I have spoken to her. I have changed the account number on my auto pay of this bill at my bank. Ms. XXXX says she is committed to resolving this problem. I have no faith that she can, although I do believe she will work hard to do so. Navient is crooked. I believe they are deliberately misapplying the payments in order to make money on late fees. Fees have been applied and then required removal by Ms. XXXX for years and years. If we were not jumping up and down screaming at Navient, they would have absolutely soaked us for these late fees by now. I suspect they are doing this to other consumers, and this bears looking at. This organization is inept, and/or corrupt. Their business practices are unethical and perhaps illegal. Their staff, for the most part, are either thieves or incredibly stupid. Please help us to get a resolution. We need an actual resolution to this problem. It has gone on for close to ten years, and happens every single month. My daughter has filed a similar complaint with your agency and filed two previous complaints about the same problem with your agency in XXXX, yet this remains unresolved. Thank you. | ||||||
| 04/17/2017 | Yes |
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| I went to XXXX XXXX University between the years of XX/XX/XXXX - XX/XX/XXXX and when I got out I was served with XXXX different bills for payment. I later consolidated my loan with the advise of a representative that worked for on of the companies I made payments too. I was not taught about principle at a younger age and made my minimum payments for many years and then started to pay down the principle in XX/XX/XXXX. By this time my loan had been sold to XXXX and by then I had paid it down over 11 000.00 dollars down in so many years for I was doing better work wise and could afford to. I then found hardship with the crash of the banks in XX/XX/XXXX, XX/XX/XXXX and so on and could not afford minimum monthly payments. My balance was paid down from roughly XXXX to XXXX which shows on my credit report. So I tried to work with XXXX and they continued to rudely ask for repayment and I let them know that the company I worked for shut down and I am out of work and there were no jobs with in many miles radius in the XXXX XXXX XXXX and I had to take a low paying service position in hospitality and could barley afford a place to live. I took years to bounce back for I had a car payment that I had to hold full coverage on and I was single living alone so another XXXX to XXXX dollars a month was a lot of money to me and XXXX continued to rudely treat me as I was not being honest so I had to stop taking calls from them. Latter I had to move back north to stay with family and started work at XXXX as a XXXX and I was contacted there by XXXX. The XXXX representative said that they were going to have my wages garnished if I did not sign with them for loan service but the loan was at a XXXX balance and they added more to it. I complained and I wanted itemization of where these fee 's accumulated from and thought it was completely ludicrous how my balance could just be stipulated like this. My loan was then taken over by Navient and they in turn put XXXX on my balance in less than 3 years and its now sitting at roughly XXXX in balance that they say I owe or else. I can not fathom how this is right. I would greatly pay what I owe and understand its a business to loan but even a home foreclosure does not accrue interest like this? Normal debt gets charged off and there are penalties to be paid and I would be fine with this. I have paid a combination of combined interest cause I was never taught of principle at a younger age and I then paid into the principle a great deal and now I am being punished unfairly for the US economic crash that happened and the student loan servicers taking full advantage of my hardship. I can not re pay XXXX of interest thrown on top of my balance after paying it down XXXX dollars and all the other interest I paid into it and to add did not write off in the early years. Again I can understand XXXX maybe XXXX in late fees accrued during the economic crash but XXXX, this is not right? I would think it could be placed on my public record and make it so that I could not extend credit till re payment could be established but to make it so that I will never get out of this loan now for circumstances that I had no control over is not something I will pay for and I am seeking help from the CFPB to please get this under control. These servicers are preying on American people that have fallen into bad times like myself and I am reaching out whole heartedly for justice on these false fees and balance they say I owe. Thank you in advance for any representation I can get to stop this and get my life back on track from being scammed and manipulated by these servicers. | ||||||
| 02/15/2018 | Yes |
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| In XX/XX/XXXX, I graduated with a XXXX in XXXX XXXX and a {$38000.00} student loan. Today, I owe {$85000.00} to Navient Solutions for that same student loan. I graduated at the age of XXXX years old and was a single mother with XXXX children twenty ( 20 ) years ago. Today I am XXXX years old. Since I graduated in XX/XX/XXXX with a {$38000.00} loan, I have filed either a hardship or forbearance with XXXX XXXX /Navient ; and with these two options, I have deferred my student loan for 20 years. Not once in 20 years, did Navient offer me any kind of interest subsidy, nor did I make any progress toward loan forgiveness because no option was offered until recently. Today, XX/XX/XXXX, I called Navient to file another hardship for another 12 months because, like the past 20 years, I have not made enough money to make a student loan payment. Last year, I made {$9000.00}, and this type of " indigent '' income, is what I have made for the past 20 years. When I called Navient on XX/XX/XXXX, to ask to file another hardship, Navient said that I used up the maximum of forbearance and hardships that I could take. Navient said that the maximum hardship status I could take was 60 months, and that the maximum forbearance that I could take was 36 months. In the same words, Navient said I was allowed 8 years to defer my loan. I did not know that fact, because for the last 20 years, I have kept my student loan out of default with hardship and forbearance status filings. So, twenty times, not eight times, I have used hardship and forbearance to keep my loan from default. Today, Navient deceived me, or lied, or admitted that they have NOT paid any attention to my student loan account by the very fact that I was allowed to defer my account for 20 years -- not 8 years, as they said today was the limit. Navient did not offer me any interest subsidies either over the last 20 years ; and, as a result, their negligence has harmed me. My debt ratio is too heavy for me to get any type of real estate loan, and I live meagerly in a XXXX ' trailer. And today, XX/XX/XXXX, Navient states that they want to " start '' me on a " income-based repayment '' program, and Navient states if I manage to file a " XXXX '' payment required status, each year, beginning this year XX/XX/XXXX, and for the next 25 years, then they will do a loan forgiveness program. My issue with this, is where was Navient for the last 20 years?! I have already proved that I am not/was not able to earn enough money over the last 20 years to pay off this loan. Now, at the age of XXXX, they want to " see '' if I can make a student loan for the next 25 years, and if I cant make the payments year after year, then Navient will forgive this {$85000.00} loan that is still accruing interest!! I will be XXXX years old. Today, I have no retirement, and my social security is {$550.00} a month. I want to take a legal action against Navient and XXXX XXXX. My name is XXXX XXXX, and I am a graduate of XXXX XXXX XXXX ( XXXX ), a for-profit XXXX XXXX, in XXXX, AZ. I graduated with a XXXX in XXXX XXXX acquired in XX/XX/XXXX years ago, when XXXX total student population was only XXXX. I believe XXXX XXXX gave me expensive loans with high interest ; and that both XXXX XXXX and Navient encouraged me to postpone payments through forbearance so that ensuring the interest would accrue for their benefit. I would like to take legal recourse and be part of a lawsuit against these student loan lenders. I read that the Illinois Attorney General XXXX XXXX and Washington Attorney XXXX XXXX are both against Navient in lawsuits. Can you help me? XXXX XXXX XXXX | ||||||
| 03/25/2018 | Yes |
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Web | Servicemember |
| I signed up for XXXX XXXX XXXX located in XXXX Va. I attended a 9 month diploma medical assisting course from XXXX. At the time I applied I was new to the area, not working and my husband had just joined the XXXX. The financial Aid office handled all the paperwork related to loans, financial aid, etc. When I first started paying the loans I was getting hit with late fees because I was under the assumption I had XXXX loans, so I consolidated them and I was still getting hit with late fees and that's when I called into XXXX XXXX ( at the time ) and was told I had XXXX loans ( XXXX ) federal loans ( which they considered XXXX loan ) totaling XXXX and ( XXXX ) private loan XXXX. I set the accounts up on easy pay and forgot all about it until my husband and I got into an argument over money and the loans were brought up. Its been 11 years of paying them. I make an account online with Navient who is now my lender and servicer. I was astonished to see that only XXXX dollars has come off a XXXX loan paying $ XXXX. That's when I found out about variable interest rates ( which I still don't understand because they charge me higher than the prime rate ) and my loan balance started at XXXX because of interest accrued. I was told that no interest would accrue while I was in school, then I was explained it only applied to federal loans. I know if this type of loan was explained to me I would have never agreed. Now I want proof I agreed to these terms and I was told they had a signed promissory note. I requested a copy and I received a paper with not a signature but a typed name. One red flag to me was it was in all lower case letters. I never type my name on any document without capitalizing the first letter in my first and last name, and my middle initial. It was not signed by any school official. I reach out to the school for the paperwork and they closed in XXXX and the only documents available are my transcripts through the state. I reach out to financial aid they have no paperwork on me because financial aid was never applied for. The private loan was obtained before the federal loans. Back on the phone with Navient I explain my story and I'm transferred to the fraud department. Explain my story again and I asked for someone to look at the circumstances surrounding my loan and see if they could pull my credit report now and offer me a better rate because I still have 5 years to pay on a loan that I already paid double and my diploma is obsolete now. I can't even use it to get a job in the medical field. They won't budge and will not help with that so XX/XX/XXXX the fraud department said they would send me a package to fill out and send back in. On XX/XX/XXXX I received a letter from Navient saying they reviewed my identify theft and forgery dispute and have concluded the information provided is accurate, At this time I haven't received the package yet. What are you verifying if I haven't given you the details yet? Because Navient is both my servicer and lender I don't feel I'm going to get a fair investigation. The school took this loan out on my behalf without explaining any of the terms. I would have preferred a federal loan with a fixed rate and I wasn't given that option. No student aid was applied for, no grants. Nothing The paperwork provided with the promissory note says variable interest rates are determined by the prime rate and your credit score. If my credit was so poor then, that this company is charging me 10 % + higher a month why would you not go with a fixed loan? again I remind you, the private loan was obtained before exhausting all federal options. | ||||||
| 03/20/2017 | Yes |
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| In XX/XX/XXXX, loan defaulted due to unemployment ; Between XX/XX/XXXX and XX/XX/XXXX, I called XXXX and researched my online account to find that my loan was being serviced by XXXX. Getting answers about a repayment plan and my account balance was not easy. Nothing could be verified with regards to the balance or who was servicing -- I received threatening phone calls. My family and husband received calls threatening to ruin my credit. In XX/XX/XXXX, I received a letter from XXXX on behalf of United Student Aid Funds. At that time, I was employed and XXXX called my employer and sent a letter threatening to garnish XXXX % of my wages. I never received any notices about my loans being serviced by these companies, so I was skeptical on the integrity of these practices. I felt harassed and bullied into signing a rehabilitation application and was advised that this was my only option. The program stated that I can make 9 monthly payments on time at $ XXXX by automatic debit only. Once the loan has been rehabilitated, then consumer reporting agencies will be notified to delete the derogatory credit rating reported. Recently, I checked my credit reports via TransUnion and Equifax. These derogatory statements are still noted. During XX/XX/XXXX, the principal was {$41000.00}, XXXX was {$560.00} and Interest Rate was XXXX %. From XX/XX/XXXX to XX/XX/XXXX, I paid XXXX payments of $ 302 monthly. Where was this money applied to my account? There is nothing in my Navient account supporting these payments during this timeframe. In XX/XX/XXXX, I was contacted by Navient stating they were servicing my loan and we verbally agreed on less than $ XXXX which is {$270.00} per month. They did not tell me the life of the loan was until XX/XX/XXXX. The unpaid principal was now {$46000.00}, unpaid interest {$71.00} with a fixed interest rate of XXXX % ; consolidated. There were not options provided by Navient to prevent these charges and no one could answer my questions about these fees. Every month, my balance was increasing. In XX/XX/XXXX, I called Navient to explain how they estimate the interest and how they decide how the interest is applied. I was told that the interest is accrued daily at {$5.00} per day. My monthly payment is {$270.00}. Every month, only {$92.00} is going toward my principal and {$180.00} goes toward interest. This loan will never get paid off. Also, in my Navient online account, there are XXXX loans listed. XXXX with a {$0.00} balance and another with {$45000.00} balance. I ca n't get any clarity on these confusing practices especially with credit reporting agencies. I sent this exact message to Navient and received a response that they needed additional documentation such as proof of school enrollment, proof of payment, proof of adverse credit reporting. I sent all online on XX/XX/XXXX, received a generic email stating that my deferment was denied and to complete a form. I was asking for clarity on 12 months of payments to XXXX XXXX XXXX, which were not reflecting in my Navient account and reflected as not reported on my credit reports. I need assistance with understanding how my payments are allocated, specifically the XXXX XXXX XXXX, which promised to rehabilitate my loan out of default, remove any adverse comments from my reports and Navient could not explain all of the extra fees. My loan will never get paid off and I am currently a startup company, so my income has decreased dramatically. Please contact me for documentation sent to Navient. They do not seem to be organized and the uploading of documents on their website is n't user friendly. Thanks | ||||||
| 10/09/2018 | Yes |
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| The start of this issue is further then just the Debt of this loan as there are 2 fraudulent loans open in my name. I have tried with both Sallie Mae ( the original lender ) and the U.S Dept. of Education to look into this matter. I started my education with XXXX XXXX in XXXX Ma in XX/XX/XXXX. Half of my financial aid was covered by a " pell grant '' while {$4000.00} was taken out as a loan from Sallie Mae. Due to hardship in not being able to find a job at the time my loan was put on forbearance and default for some time. It wasn't until 3 years ago that I noticed on my credit report that there were 2 additional loans in my name for the same school and time. I never opened these loans and would have no need to open up three student loans for a 7 month program. I contacted Sallie Mae, Navient and the Department of Education about this and nothing was ever done. I have to say that I was not able to keep up with this due to my XXXX and did not revisit the matter until XX/XX/XXXX. The reason it was revisited was due to the Dept of Education snatching my taxes without warning. When contacting them about the lack of receiving this information I was given the run around and basically told that there was nothing that can be done. I then pressed the issue again about the additional loans that were fraudulently taken out in my name and was told that there would be a form sent to me that I need to fill out and send it back as soon as it completed. I did so and this took place in XX/XX/XXXX. I have heard nothing back from the Dept of Education about this matter, and was forced to contact them again due to receiving a letter from the Dept. of Treasury that my XXXX funds are in danger of being garnished. So I yet again contacted the Dept of Education on Tue. XX/XX/XXXX and inquired as to why I have heard nothing about the my request to look into why there are 2 other loans in my name that I did not authorize or sign up for? I was then told by a rep that a decision was made and they denied my request to not only look into this matter but adjust the loans accordingly and supposedly sent the letter out on XX/XX/XXXX. Needless to say that letter was never received on my end and they have all the correct information to where it should have been sent. My complaint is the lack of concern or even looking into the fact that either XXXX XXXX of XXXX MA or Sallie Mae opened up 2 additional loans in my name with out my consent or knowledge and I am now being help financially responsible to repay this money.I am a single mother who is XXXX and can not work due to my XXXX. The Dept of Education is threatening to with hold 15 % of my XXXX funds ( which is barely enough to survive as is ) and seem to have no care for the fact that loans are being taken out fraudulently against borrowers knowledge. They also seem to be not so concerned with the fact that the letters they are " supposedly '' sending out are not being received. If I never received a letter from the Dept of Treasury with this information I would have never known that money was going to be with held from check until it was to late to do anything about it or that they basically rejected looking into the fraudulent loans taken out in my name. In XX/XX/XXXX the Dept of Education took close to {$7000.00} to repay these loans and looking at my credit report I still owe them a total of {$10000.00} ( broken into 3 separate loans one for {$4800.00} - one for {$4000.00} - and one for {$1500.00} ) These loans total almost {$18000.00} for a {$4000.00} original loan. I need help and I have no idea who I can turn to about this matter. | ||||||
| 04/15/2016 | Yes |
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| This is concerning XXXX XXXX XXXX and XXXX XXXX/Navient. I was a student at XXXX XXXX XXXX in XX/XX/XXXX ( ish ). While going through the student loan process, I was unaware of the amount of debt that I was getting myself into. A staff member kept me occupied while another filled out my loan paperwork. He did not directly disclose to me what I was getting myself into. Instead, he would ask questions while the lady would talk to me, occasionally asking me to " sign here '', but never really disclosing the amount of the loans. I never received a bill or statement for the first six months. With that said, the staff of the school violated federal rules. For example - I was enrolled in a XXXX class ( which I fully expected to fail, despite asking multiple times for help from the professor ). At the end of the course, however, I noticed that my final grade was a XXXX The professor and school manipulated my grade. I did not understand the material and I wanted to, but it was more important to pass me than to teach me. Also - students would often not show up, but the professors would sometimes mark them as being present. At the beginning of the second semester, I received my first bill from XXXX XXXX AND the school warned that I did not have enough money to continue classes there. I was outraged at the amount that I owed ... and when I questioned XXXX and communicated my dismay with the deceptive tactics that they used to basically hide the amount of the loans from me ( I 've learned now about Caveat Emptor ) I was livid. They did n't care and offered no method of rectification. I quit. Then came the harassment from XXXX XXXX. For the following years, I received numerous calls from them, was even screamed and yelled at over the phone by their employees. I offered to make payments ( despite only making $ XXXX/hour at the time ), but they were n't the {$700.00} to {$900.00} payments that they said I owed. They would not accept ANY payment and continued harassing me ( including violating federal law, by calling more than 2 times within a 30 minute period of time ). Even now, I have tried working out payments with Navient, but the amount that I offer to pay is not enough. Granted, it is not as much as I could have been paying them in the past, but it is still a decent amount. Their customer service is deplorable. For instance, I just called - and an employee said I needed to talk to someone in customer service. They gave me the telephone number, which ended up being the main number to Navient ( which is automated and places one on hold for a great length of time ) ... there is no direct telephone number to their customer service department. They also claim that they sent one of my loans to a collection agency - XXXX XXXX XXXX - which, by the way, I have communicated with ... they have called from a series of telephone numbers that, according to XXXX searches, do not exist. They have also yelled at me via telephone and have even harassed me at work ( despite me asking them specifically to not call me there ). I understand that I have debt ; however, I feel as though XXXX XXXX XXXX, Navient, XXXX XXXX, and XXXX XXXX XXXX are all corrupt, deceptive, and used shady and unethical practices and tactics to ruin my credit and I would like to speak to someone regarding filing formal complaints against all ; or, at the very least, have some of my debt removed and my credit cleaned up. I was young, naive, and inexperienced with everything at the time that I attended that corrupt institution and have been wronged and treated extremely poorly as a result. | ||||||
| 11/17/2019 | Yes |
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| Please see my feedback in the attached document. Navient has NOT resolved this issue. They can not provide any documentation regarding the alleged phone call requesting that funds be reallocated from a CLOSED account to an OPEN account. I AM REQUESTING THAT CASE # XXXX BE REOPENED. I need to see some documentation regarding this loan. They can not provide me with any paperwork regarding redistribution of the loan, nor can they provide any statements regarding payments and balance due. I did not receive a statement regarding this loan for 10 years. I've never heard of such a thing. I requested the documents, but they did NOT provide them. Please help. Thank you. Below is my feedback and attached is the original complain document : Your feedback : THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS The company, Navient, is lying regarding my student loan account. There is no other way to put it. In their response, they state that they received a phone call from me requesting payments be reapplied to all loans. I deny this claim by Navient! What company takes a VERBAL request without following up with any WRITTEN documentation? Also, how can they even take funds from a CLOSED loan and re-allocate them to another loan? ( The loans in question were for my son, who was still in school at the time. Why would I pay off a smaller loan and re-open the larger one with greater interest? ) This makes no sense! Navient claims they sent notices on the day the request was made and when the adjustments were made. I have no paperwork regarding this and Navient has not provided me with any copies although I have asked numerous times. They also state that " Our review confirmed that you received a bill each month which advised the balance due as well as the next due date. '' This is absolutely NOT true! When I told the supervisor, at Navient that I had no bills or statements, she said I could find ALL the history on the Navient website. There is no paperwork there either. The only bills/statements I received began in XXXX, XXXX. There is a 10 YEAR gap from XXXX through XXXX. XXXX on the Navient website. Navient also states that all attempts to contact me went unanswered until XXXX, XXXX. This also is untrue! I contacted them in XXXX and XXXX by phone. I was told that they would look into it and get back to me. ( The representative couldn't understand what was going on either. ) It was in XXXX, while I was waiting on a response from them, that I found out that they destroyed my credit. I immediately called Navient and asked to speak with a supervisor. I have always maintained a very good credit score as I know how important my credit report can be. I feel that Navient has been untrue about their record reporting and statements they are giving you. I am requesting that you re-open this case and get me copies of the missing paperwork that Navient allegedly sent me regarding the original re-allocation of the funds. I would also like a copy of the alleged bills and statements they sent me each month for the last 10 YEARS. Thank you for any assistance you can give me. I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS I fell that Navient is being dishonest in their response and I would like to re-open this case. Thank you. THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS The company, Navient is basically lying regarding their response to this inquiry. They clearly did something fraudulent here and are trying to cover it up. I would appreciate any help you can give me in this matter. Thank you. | ||||||
| 10/18/2022 | Yes |
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Web | Servicemember |
| I have an issue with Navient because they did not provide me with appropriate information so that I could make informed decisions that were in my best interest with regard to my student loans. On XX/XX/2022, I received a credit alert from my credit monitoring service letting me know that there was a change in my credit report. I then learned Navient had reported a 90-day past due status on my loan payments. Until that day, I believed my student loan payments could be paused through the end of 2022. I immediately reached out to Navient to investigate the issue and asked why they had reported my student loans 90 days past due since I understood that there was a pause on federal student loan payments until the end of 2022. The representative I spoke with advised me that they no longer had the contract to service federal student loans owned by the Department of Education and that loans were transferred to a new service provider. The representative advised me some of my loans were transferred while others were not. I advised the representative that I was never informed that as a result of this transfer, I now had two student loan servicers and that Navient was no longer contracted to service loans owned by the Department of Education. Up until that moment, they led me to believe they were my federal student loan provider and it wasnt until that day did I they advise me that they were actually a third-party commercial loan provider, thus any loans with them were not eligible for the student loan payment pause announced by the federal government. I explained to them that no one from Navient contacted me to tell me part of my loans were transferred to another loan provider nor did I receive any notification that part of my loans was out of forbearance as a result of Navient losing the contract with the Department of Education. I shared with them that I was confused about how I could have a 90-day late payment reporting on my credit report when up through XX/XX/2022, my accounts were in positive status with no late payments per my credit reports. The representative stated that they should have reached out and I reaffirmed with her that I had not spoken to anyone from Navient nor had I received any messages. I advised them that as a result of their lack of advice, I did not want them servicing my loans any longer. Adding insult to injury, my original loan balance has grown from {$78000.00} to {$130000.00} with interest and fees, which I also believe is partially related to their lack of communication. The representative advised me that I could consolidate my loans with the service provider who was now managing my other student loans ( those that had been transferred ). When I asked the representative how to resolve this serious issue I had with credit reporting, the representative advised me to contact the credit reporting agencies with my dispute ; however, after reaching out to the credit reporting agencies, they informed me it is something I would need to resolve with Navient. I called Navient back later that same day and was informed of the process for disputing credit reporting and filed my claim accordingly. I received a letter on XX/XX/2022, stating they conducted their investigation and would not be removing the XXXX reporting from the credit reports. I reached back out to Navient and asked what I could do to escalate my complaint. The representative advised me they could not reverse it nor was I able to appeal the decision. They advised me the only options I had was to file a complaint with the Consumer Financial Protection Bureau or arbitration. | ||||||
| 09/06/2016 | Yes |
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| I sent in a large check ( {$66000.00} ) to Navient with a letter with XXXX sentences on how I wanted the payment handled. It was to be applied to pay off XXXX specific ( high interest ) loans in their entirety. I specified by loan # which loans they were & also that it was to pay them " in their entirety- both principal as well as current interest ''. When the letter was received XX/XX/2016, the instructions were completely ignored & I have made several ( more than 8 ) phone calls & spoken to the loan provider as well as supervisors in the billing department. All of them assure me that they understand & the payments will now be applied correctly as per my letter. The payment has yet to be properly applied. Every single representative & supervisor I have spoken to has claimed that they will be " going back retroactively '' to apply the payment to the loans so that I am paying the principal & interest that was on the loan XX/XX/XXXX & not what has accrued since they have received the payment. On XXXX XXXX, I received a letter from Navient stating that XXXX of my loans has been paid off. I went back into my account to see why the letter did not state that XXXX of my lans had been paid off. The remaining loans that were supposed to be paid are still accumulating interest, though most of the balance has been removed. The loans are not supposed to be doing that. They were supposed to be paid in full as per my letter & the instructions contained within it. They are intentionally NOT applying the payment correctly in order to charge me interest on loans that were suppsed to be closed over 1/3 of a year ago. I spoke to supervisor, XXXX XXXX last Friday, XXXX XXXX, & he assured me that he was going to personally see that e issue was taken care of. He called me later that same day, told me the loans were correctly paid & that the changes would reflect by the morning of the following day ( XXXX XXXX ). I gave it a few extra days " just in case '' & checked my account this morning ( XXXX XXXX ) & found that the loans were again, not up to date & that for the 8th time, my payment had not been properly applied. I did, however receive a letter in my account that the payment dates were changed- which was a surprise, because at no time did I ever discuss such a matter with the supervisor, XXXX XXXX . Today, XXXX XXXX, I again called Navient & spoke with the representative who ( of course ) assured me & said they would get the matter resolved. She told me that she walked over to XXXX 's office & personally spoke with him & he acknowledged that there was an error on my account. It appears to me that Navient is intentionally applying my payment incorrectly so that they can continue to attempt to charge me interest on loans that have lieterally already been paid for. They have received the money, they have cashed the check, and they are refusing to close the loans that had been paid for nearly 5 months ago, all while still charging me interest on all but XXXX of them. The dates that I have documented that I called Navient & spoke to a representative who assured me every single time that they understood the issue & would resolve it were as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, ( all in 2016 ). I desperately need help resolving this issue since the loan provider is refusing to apply my payment to the loans- further charging me interest on the loans that they have accepted the money for, and not closing said loans, which is in addition to being illegal, is also adversely affecting my credit. | ||||||
| 12/12/2015 | Yes |
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| I have private loans for school through Navient. - Fee 's were assessed when I was in school. - Most Fee 's were reversed after proof sent to Navient showing I was in school status. - {$27.00} in fee 's remained after very lengthy back and forth. - Several month 's later I received a bill for {$27.00}. Called Navient, spoke to female CS rep who advised me to pay the fee online so I could avoid large fee to pay by phone. -Paid {$27.00} online per first female CS rep direction on XXXX XXXX. Payment posted to account undefined on XXXX XXXX. -Received second bill in XXXX stating I owed {$27.00} due by XXXX XXXX. - Spoke to second CS rep ( male ) who stated that 'no matter what I do, I have to pay the interest on the loan first, then the principle, before any payments apply to the late fee. 2nd rep advised a refund was not available. 2nd rep informed me that I should not even be billed due to in school deferment. 2nd rep stated that since 1st rep misinformed me, he got approval from his supervisor to have the remaining {$27.00} fee removed. Advised by 2nd rep that it would take a few days for fee to be removed. - After 1 week, fee was not removed. Called and spoke to Rep 3 ( male ). Rep 3 says Rep 2 messed up in sending information to have fee removed. Rep 2 got a second approval from his manager to re-send the request to have fee removed, due to all stated above. Rep 3 advised me that the fee would be removed by no later than the next day. - After 2 days, fee was not removed. Called and spoke to Rep 4 ( female ). 4th rep claims that both approvals were denied due to earlier reversal of fees on the account. ( The fee 's that should have never been assessed due to being in an in school status as explained at the beginning of this explanation. ) I explained that the fee 's should have never been assessed due to being in school status. Rep 4 mentioned a refund, which Previously I was told was impossible. I asked to speak to a supervisor. After a lengthy hold, rep 4 came back on the line and said that Navient was going to do a " special approval '' for this fee to be removed by the following day. She asked if I still wanted to speak to a supervisor. I said yes. - Supervisor XXXX came on the phone. He stated that any payments sent to Navient are automatically applied to interest first, then principle, then fee 's. He stated I should not be billed due to in school deferment. He stated the fee will not affect my credit. I explained to XXXX that the fee 's should never have been assessed due to my in school deferment. I stated that I have been receiving bills for this fee with a due date of XXXX XXXX. I stated that the first rep misinformed me regarding making the payment towards the fee. I stated that I did make the payment for the fee which is reflected on XXXX XXXX in the amount of {$27.00}. XXXX claims that what i received was not a bill. ( see uploaded proof of bill ). I told him no, it is a bill, it states a due date, amount and had a return envelope. I explained that anyone who received this would have paid it thinking it was a bill, only to discover that it would not be applied to the proper area. I explained that is a bait and switch tactic and was illegal. I explained i should not be billed, and i was billed. I explained that if this is not fixed within XXXX hours that I will file a complaint with the CFPB. XXXX stated he understood and that it will be completely rectified by XXXX/XXXX/2015. - Went online to check if fee was removed. Fee was NOT removed. -Also note I sent several emails via Navient website and NONE were responded to. | ||||||
| 07/01/2021 | Yes |
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Web | Older American |
| Here is the letter I sent to Navient ( I have removed the personal information as requested ) XXXX Customer Communications Navient XXXX XXXXXXXX XXXX PA XXXX XX/XX/XXXX XXXX, I received your explanation ( attached ) of the amount you believe we owe. You can imagine my surprise when I opened the letter from you folks back in XXXX, indicating the amount you think we owe. I immediately called your offices, and a gentleman told me that he would send an explanation, as well as the paperwork we would need to dispute this claim. In your explanation there was no such paperwork. We received another warning letter from you the other day, so I am writing this and you can consider this letter to be notification that we dispute your claim. As you indicate we sent a lump sum payment in XXXX, and we did so believing that this large payment was payment in full for the remaining balance. That was our intention. We were not notified following that payment that there was any remaining balance. According to your explanation the amount of the payment was applied to loan XXXX as well as to loan XXXX which you state was paid ahead until XX/XX/XXXX, and that they both originated in XXXX ( our record of the XXXX loans attached ). We have no record of a loan XXXX or XXXX. As far as we knew, our Sallie Mae account number was either xxxxxxx or xxxxxxxxxxxx. ( see attached ). Further, as one of the attachments indicates, we had received several letters at various points indicating that various loans were paid off. It was almost 20 years ago when our daughter started college, but if I recall, each year required a new loan, and I believe there were consolidations as well. Since this was so long ago, and since we have received no communication from anyone about this since XXXX, Im afraid Id have to take your word that we have an unpaid principal balance of either {$2400.00} or {$2600.00} ( your letter states both amounts ). We have never, ever, failed to pay a debt so in the spirit that this may have been some kind of misunderstanding, not to mention that you yourself seem uncertain which is correct, I have enclosed a check for the lower amount. If you had simply told us in XXXX that we still owed that amount we would have paid it then. We do not, however, accept your claim that we owe anything beyond that amount, and certainly not at the interest rate indicated of 6.125 %. To be kind, this rate is usurious at best and predatory lending at worst. Im not sure you would agree with that but perhaps the folks on copy will, considering that interest rates are at an all time low ( fed funds rate approximating zero ). I am copying these people, not for our benefit, but for those without the latitude that we have. Is there any wonder that there are so many people graduating from college, saddled with a mountain of debt, and unable to pay it off in their lifetimes? Multiplying this convoluted instance across thousands of people would go a long way toward providing the reason. We are able to pay this debt. Indeed we thought we had done so with the $ XXXX lump sum payment in XXXX as you acknowledge, only to learn 7 years later that the meter has still been running at 6.125 % interest. We have no issue with a company making a profit, but we do have an issue with a company gouging customers graduating from college through deceptive lending practices. Sincerely, cc : XXXX XXXX XXXX Sallie Mae XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX, President XXXX College XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX | ||||||
| 06/09/2017 | Yes |
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| I have been paying my student loans now for close to 5 years. XXXX XXXX was tough to handle but overall did ok. As soon as Navient took over my lo ans I started having a difficult time with this lender. In XX/XX/XXXX , I took a forbearance on my account. this was only so that I could get current and issue my first payment in XX/XX/XXXX . Whi le I was on the phone with the rep I was advised that I could make a double payment and that would account fo r XX/XX/XXXX and XX/XX/XXXX . h owever I would need to make the payment separately. So on XX/XX/XXXX I subm itted a payment of {$540.00}. On XX/XX/XXXX They auto withdrew {$510.00}. On XX/XX/XXXX I put a stop pay on a check for {$540.00} as I did not owe a payment fo r that month. On XX/XX/XXXX , I cal led and asked to have my auto debit turned off so they would not ( continue ) to erroneously withdraw funds from my account, which they had done in years prior. They advised that this was done . Low and behold {$510.00} was withdrawn from my account on XX/XX/XXXX . I called in multiple times to discuss. One representative a dvised me that he could give me a refund on the latter payment and it would not impact my amount due fo r XX/XX/XXXX , seei ng as I had made payments totaling {$1000.00}. So I accepted the refund. I began getting phone calls saying I was past due and owed late fees. So today, XX/XX/XXXX , I called into Navient. I s poke with a nice gentlemen about the account and he saw exactly what I was saying to him. He said you should not have a payment due for XX/XX/XXXX an d your account should be current. Advised me to hold and he would take care of it. He came back and then repeated, since you took a return payment you DO owe for XX/XX/XXXX . I as ked to speak with his supervisor. His supervisor came on the phone, and spoke with me very brashly. She kept saying you did not make a payment f or XX/XX/XXXX as you st op pay the {$540.00} fro m XX/XX/XXXX and took a return on the XX/XX/XXXX paym ent. I advised her that I made a payment of {$540.00} in XX/XX/XXXX a nd. .. then she interrupted me right there and said {$540.00} does n't cover a double payment. I advised that I also made a payment of {$510.00}. she again said this is not enough for a double payment. I asked her to add them together and use her brain to tell me how much that is. She would n't. I advised her it is {$1000.00} and is very clearly enough for a double payment considering my monthly is XXXX she then advised another supervisor is going to call me and tell me the exact same thing. I asked her why she was not willing to help me with my account and she asked " are you going to confirm your cell phone or not? '' Once I confirmed she hung up on me. Now, I understand this is n't a great deal of money but this is the straw that has broken the camels back. This company has had me on my knees now for several years. I have interest rates from the hig h 8s to over 10 perc ent. This is impacting my life and my cosigne r ( s ). I w as also advised 2 years ago that after 12 months of repayment I could drop my cosigners as long as I had good credit. I requested and got denied. I had made well over 12 months of consecutive payments ( at the time ) and my credit was sitting between XXXX . I have been let down greatly by this student loan servicer and it is downright disgusting how the mistreat the young people trying to pay back their loans. I am not sure what a complaint here will do to help me but I need a voice with this multi billion dollar c orporation. Thank you, XXXX | ||||||
| 05/21/2019 | Yes |
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| I attended XXXX University from XX/XX/XXXX - XX/XX/XXXX ( Start date is approximate ). XXXX recently settled a lawsuit with the FTC for fraudulently recruiting students by lying about expected income after graduation, and number of students who acquired jobs after graduating, among other things. In addition, I personally was lied to about their job assistance program and their overall quality of education. I currently have a borrower 's defense to loan repayment application being processed which will hopefully dismiss my federal student loan debt but I still have a private loan which isn't covered by the borrower 's defense application. The private loan 's disbursement date was XX/XX/XXXX, Original amount was {$14000.00}, current unpaid principle is {$16000.00}, interest rate is 11.5 %. Before filing for borrower 's defense I also filed a consumer complaint with the Illinois attorney general. An investigation was done but in the end, nothing came out of it. I received a final response from the attorney general 's office stating that they simply couldn't provide anymore assistance. Many correspondents went back and forth between the Illinois attorney general 's office, myself, and XXXX but nothing was resolved. I have many documents from the attorney general 's investigation, signed statements from fellow classmates as well as my mother who at the time was involved in some of the nonsense that took place while I was attending school at XXXX. I had programming teachers not showing up for class, unqualified professors, a complete lack of education and received no real assistance from the career services department during or after graduation. I was told XXXX had partnerships with companies and that companies actively sought out XXXX students. This was not the case. I went to XXXX for XXXX XXXX XXXX and XXXX. They had zero XXXX XXXX opportunities or partnerships and the companies that did show up on " career day '' were companies like XXXX XXXX, phone companies, basically retail jobs or jobs you didn't need a college education to get. For a long time after graduating I didn't know what to do. I was in a lot of debt and had nothing to show for it. I was not educated in my field, I had no experience, I was hundreds of miles away from my family, trying to keep a roof over my head. My main job at the time, the one I held on to for dear life, was my XXXX XXXX job. Little did I know that job was going to save me as I ended up using my resources there to land a XXXX XXXX XXXX XXXX job. While I wasn't experienced in my field, I did know some XXXX and was good with computer hardware. This saved me and I was able to provide for myself. I wasn't paying my loans cause I couldn't afford to still but I was able to afford a place to stay. I remained resourceful and eventually began studying XXXX XXXX which opened more opportunities where I was at. I later applied to a XXXX XXXX position at that same company and that is currently what I'm doing now. It's not what I went to school for and I had to work hard to get it, and still do, but I am happy to have something. I spent so much time and money at XXXX. Looking back now it's even more obvious the lack of education I received. After studying XXXX XXXX and doing all I do with my current job, it is clear that XXXX did nothing but take my money. XXXX should be held accountable for their actions. XXXX preys on people, young growing adults who are nave enough to listen to their lies ; promising an education, learning experience, and career assistance that doesn't exist. Please help if you can. | ||||||
| 04/03/2019 | Yes |
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| Hello, I am incredibly concerned and frustrated with the way Navient has handled my student loan repayments, and after researching the current cases against them. I wanted to share the issues I have had with Navient since graduating in 2012. -Once graduating in 2012, I began to repay my loans using the income driven repayment plan. I chose this option because the cost of my rent, car and household bills took up most of my low income. My payment was around {$100.00} and I faithfully paid it every month. After 4 years my payment NEVER decreased. I was only covering interest, and was charged hundreds of dollars in capitalized interest each year. It is clear that they were pushing students to choose this plan to make the company more money in interest. Why would navient include a payment plan that would never pay off your loan? Because it was more money in their pocket. -Once I realized what was happening with the income driven plans, I switched to a graduated plan and began throwing any extra money I had toward my loans. The website has an option to allocate where extra payments go. I chose to tackle the highest interest loan and was putting all my additional payments toward that. There is also a place on the website to tell navient to either push out your due date when extra payments are made, or keep billing you the monthly amount. I specifically checked off the box to have them continue billing me for my monthly amount. However, over the years I have had to call and complain because they ignore this request and advance my due date on some loans. I believe they advance the due date on some loans so they will be able to charge capitalized interest. -The most recent issue I had was when I decided to go back to school to get my masters. My company paid for me to take a class, and I did not opt for any financial aid. I did not request for ANYTHING about my XXXX loans to change. A month into taking this class, I got a letter from Navient saying that my loans had been put into deferment because I was a XXXX XXXX XXXX. I DID NOT REQUEST OR APPROVE THIS. I had to call Navient to request they take my loans out of deferment. A month later I was charged {$61.00} in capitalized interest, despite having paid {$600.00} extra payments every month for 6 months. During the phone call I was told that the {$61.00} was for the 15 days that my loans were in deferment. That 15 days was the time it took for them to send me a letter informing me of the deferment. I check the website weekly, and it never said I was in deferment anywhere online. I also found out during this phone call that they had again been moving my payment due date a month forward with each extra payment I made. Therefore, some of my loans were accruing the capitalized interest WITHOUT MY KNOWLEDGE even though I had specially checked off the do not advance my monthly payment on the website. The woman on the phone told me that their system did not have it checked off. I am extremely frustrated with this company, and I worry for those new graduates who might naively assume that their minimum payments are making a difference in their loans. Students are trusting this company to handle their payments correctly, and Navient continues to cheat us out of thousands of dollars. Their communication is unclear and inconsistent. I now fully read my entire statement every month and compare it to my online account to make sure the information is correct. It almost never is. Something needs to be done to give students a fair chance at loan repayment. Thank you for your time, XXXX XXXX XXXX, NH | ||||||
| 02/10/2017 | Yes |
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| After filing my taxes in XX/XX/XXXX, I was waiting for my refund to be deposited into my bank account and when I did n't see it, decided to check my XXXX. On the day I was supposed to receive the refund, it stated that it had been taken due to an offset posted by the Department of Education for a defaulted loan. I was not aware of any defaulted loans and was definitely not provided with any notice by phone, mail, or email, that an offset had been placed ( which I learned recently violates federal law ). I immediately contacted the Department of Education who said that the offset was placed by Navient. I then contacted Navient, who claimed they do n't post offsets and was put in contact with someone at XXXX, who then pointed me to a company called XXXX. Not one of these agencies was able to tell me who placed the offset, why I received no notice and where the money had actually gone. I was then placed in a conference call between Navient and the Department of Education, both agencies were claiming that the other was the servicer of this loan. This seemed like a good explanation to me for why this loan was put into default in the first place. I have paid at least XXXX different agencies monthly payments for this loan since I opened it with XXXX yet none of those payments were posted and the loan defaulted. I then entered into a loan rehabilitation agreement with XXXX to get the loan out of default and the offset removed. As of XX/XX/XXXX, the loan is no longer defaulted. I have applied twice to have my tax return refunded to me on the grounds that I received no advance notice of the offset, I was unemployed at the time of the offset ( which, if nothing else, should have qualified me for " financial hardship '' ), and I immediately entered into a loan rehabilitation program to fix the problem. Twice now I have been denied. The first time because I " did n't provide the correct documentation ''. I was unemployed and had no paystubs and asked ahead of time if I should provide documents from the Unemployment Security Department and was told " that was n't necessary ''. The second time I was denied ( XX/XX/XXXX ) was because : " My account has been rehabilitated. '' Neither of these reasons is just, nor are they consistent. After receiving this letter yesterday, I immediately called Navient/XXXX to discuss this matter with someone on the phone. After being prompted to enter my social security number, I was informed that Navient/XXXX does not service my loan and that I should contact the Department of Education. Sound familiar? This is the second time in a year that I have been told that my student loan servicer does n't service my loan. It is going to be very difficult, if not impossible to keep this loan out of default if no one is servicing it. It is also the reason it was defaulted in the first place. Last year I made a whopping {$8500.00} XXXX and the {$900.00} taken by this offset, while being unemployed, accounted for almost XXXX % of my income and was detrimental. Not related to this loan, but still relevant is the fact that since I ended my schooling XXXX years ago, my private loan ( also serviced by Navient, originally {$18000.00} XXXX has more than doubled to over {$45000.00}. I have tried calling, emailing, and writing Navient and XXXX dozens of times over the last year to no avail. I have received no explanation of how this happened or who actually services my loan. I feel that there has been gross mismanagement of my account and I am in desperate need of help. Thank you so much for your assistance with this matter. | ||||||
| 06/05/2017 | Yes |
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| Over the last several weeks I have attempted to work with Navient to obtain either a deferment or forbearance as I am XXXX XXXX XXXX XXXX beginning this XXXX . I have had several inconsistent responses from Navient representatives advising me that I was eligible for an in-school deferment, then advising I was not eligible but that I was eligible for a forbearance. Then I was advised I was not eligible for either of those options. The last time I was advised I was eligible for an in-school deferment was on XXXX / XXXX / XXXX at XXXX XXXX XXXX by XXXX XXXX ( XXXX ). XXXX XXXX advised me that the current rate reduction plan I was in was not scheduled to increase until XXXX and that I would not need to contact Navient again until late XXXX to begin the process of in-school deferment. I advised XXXX I was told in XXXX that my program was ending and that a representative from XXXX had me begin the process of completing another income verification form. XXXX advised she was uncertain why that was done but that I would not need to worry about that. Based on my conversation with XXXX and the assurance that I was in fact eligible for in-school deferment, I spoke with the XXXX XXXX and made the arrangements to be a XXXX XXXX rather than the XXXX XXXX I was initially intending to be. Several days after my conversation with XXXX , I received an email from Navient advising my rate reduction was ending and my payment was nearly doubling. I contacted Navient on XXXX / XXXX / XXXX and spoke with several representatives who advised me that I was not eligible for deferment or forbearance. The last person I spoke with was XXXX XXXX employee ID unknown ) who advised me to contact Navient again after I was no longer XXXX to see what could be done about a rate reduction but she again assured me that I was ineligible for deferment or forbearance. What is monumentally frustrating and seemingly unreasonable is that at no point has XXXX and now Navient ever advised me that I would be able to do a rate reduction rather than deferment or forbearance. Had any representative from XXXX or Navient ever spoken to me about this as an option instead of telling me the best thing for me was deferment or forbearance, then I would not potentially be in the situation I am currently in where I truly do need deferment or forbearance. The XXXX XXXX XXXX has very strict guidelines about working, especially when a XXXX XXXX . I made the decision to XXXX XXXX based upon the information provided to me by XXXX XXXX on XXXX / XXXX / XXXX . I am unable to switch back to the XXXX program and I can not reasonably take out a student loan to payback Navient only to incur even more interest. I am genuinely at a loss for what to do and I have such a difficult time even wanting to communicate with Navient because of their inconsistencies and having previously been told by a representative to go to a food bank or homeless shelter to get food so that I could pay the loan back. I have also previously been told by a representative to remove all of my education from my resume while applying for jobs because " no one cared about your education and it wo n't help you get a job. '' I am honestly sick to my stomach at the thought of speaking to them again for fear of being demeaned or debased again and to get inconsistent information again. I feel as though Navient is continuously providing inaccurate information and not leading me in the direction that is best for me or my situation. | ||||||
| 04/28/2018 | Yes |
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| On XX/XX/2018, I applied and was approved for a refinance of two private student loans through XXXX. In all of the application and disclosure documents, I was told that I would receive a 0.25 percent discount in my interest rate if I enrolled in automatic payments. Immediately upon receiving access to my online account with XXXX ( on or around XX/XX/XXXX ), I enrolled in automatic payments to take advantage of this discount, which would reduce my interest rate from 4.83 to 4.58 percent. On XX/XX/XXXX, I logged in to my XXXX account to check the status of my refinancing and called XXXX customer service with a few questions. I noticed that in my online account information that this 0.25 percent discount did not appear to have yet been applied to my loan. I told this to the customer service agent, who said she would look into it. At first the XXXX representative said that my loan was not eligible for that discount. I told her that this was inconsistent with the information I had received, including in the Final Disclosure notice that I received when executing the loan documents. This notice read in a section called " reference notes '' : " You can take advantage of a 0.25 % interest rate reduction by setting up and maintaining active and automatic monthly ACH withdrawals of your loan payment. '' She looked up this document on her computer system and concurred that the document included such a reference note. I responded that I wanted this discount to be reflected on my loan as soon as possible and that I would take further action if interest was accrued to my loan balance at the non-discounted rate. She said that she would submit a case in her system and that I would receive a letter from XXXX within two weeks notifying me of their decision. I expressed surprise that they could not apply the discount immediately, as the case was so clear cut. As of XX/XX/XXXX, more than two weeks later, I had not received this letter and no such document was available in the Inbox of my online account. My online account summary now said that my loan had an interest rate of 4.58 percent, the discounted rate. The summary also showed that I had already accrued interest of {$130.00}. So I contacted XXXX customer service again via its online chat function to see how this interest was calculated, using the discounted or non-discounted rate. The XXXX representative told me that this interest was calculated using the discounted rate. I was pleased by this response, but requested they send me a document showing that this was the case. He said he would e-mail me such a document within 2 days, but that it would be available immediately in my online account Inbox. The document was not available immediately, so I logged in again today, XX/XX/XXXX, to see if it had arrived. It had not. However, my Inbox did now show my first Billing Summary document for this loan. The document shows that interest has accrued to my loan using the non-discounted interest rate of 4.83 percent, directly contradicting the information I had received from the XXXX representative the day prior. In summary, it is my belief that XXXX has engaged in deceptive practices and used bureaucratic obstacles to deny me this discount during at least the first billing cycle of my loan, despite me raising it with representatives of the company on multiple occasions and demonstrating to the company that it is clearly a part of our agreement. No customer should be reasonably expected to contact a lender multiple times to prove and receive the benefit from a basic term of their loan agreement. | ||||||
| 12/07/2019 | Yes |
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| I have been in communication with the Federal Department of Education since of XXXX of 2019, when I received my first collection notice for payment of my defaulted Student Loans. I was aware that my loans had gone into default, but when presented with the amount owed, I was floored to see that I was being asked to pay $XXXX. I originally took out $XXXX in student loans, and after graduation, when I consolidated all my outstanding loans with the Department of Education, I was charged an additional $XXXX in fees, because I chose to consolidate my loans into one loan. At that point, my debt ballooned to $XXXX in student loan debt, which is an accumulation of both a XXXX and XXXX and interest due to the Department of Education. I have not been able to make any of the proposed student loan payments and have had my loan deferred over the years. While being managed by the Federal Department of Educations' servicer Navient, I have seen that the interest for the amount owed has tripled and for the last 7 years, no one has been able to provide me with an accounting. Navient supposedly accounted for over $XXXX in additional interest charges for my education loans for a total close to $240,000. With this said, I was very concerned at the balance and have made three attempts to get a full accounting of what the Department of Education is stating that I owe. As of the date of this letter, I have not received this information accounting, at least on a annual basis from year's past and I am now being charged some mysterious interest charge of $XXXX from what period I am not sure because it is not clear, and I am also being charged $XXXX in collection costs. There are two items that cause me the most concern. First, the fact that I have received 4 different, but similar, sets of numbers owed, which causes me a lot of concern especially when I am being asked to pay almost $240,000 for my Education; and this collection fee of over $35,000. If I cannot make the payments on the amount the Department is stating that I owe, which I cannot, I am wondering why the Federal Department of Education feels that I will be able to pay an additional $XXXX in an "unreasonable" fee on top of this ballooned amount. Even the "promissory note" that has been provided states that collection fees will be reasonable, but it appears there is no limit to this "reasonable" standard. The last communication that I received from the Department of Education states that charging 18% (17.92) of the "balance owed" is deemed as reasonable, and I simply disagree. I feel that these tactics are bullying tactics to make me accept this payment amount without proper verification of the accounting. The Department of Education has not provided the accounting that I have requested, and has ignored my request to remove this "unreasonable" collection fee. I am asking that the Consumer Financial Protection Bureau assist me with getting the information that I have requested from the Department of Education, showing how my student loan balance ballooned to such a large amount, and the removal of this unreasonable collection fee. I am willing to set up a payment plan for the amount that I owed that is based off of my income and discretionary items, seeing that I am resident of the State of California and I am personally in a financial crisis, having to pay extremely high housing and living costs. I understand that it is my best interest to resolve this matter with the Department of Education, however, I would like to dealt with in a fair and reasonable manner for resolution. | ||||||
| 10/23/2017 | Yes |
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| In spite of the fact that I filled out applications for loans to pay for school, I believe that I was not fairly assessed in terms of repayment. I had never taken out loans before and began applying for student loans when I was XXXX to go to school. When I was unable to take out loans on my own, my mother would co-sign. I had to file for bankruptcy in XX/XX/XXXX because, even with my XXXX diploma, I was only able to obtain a job where the starting wage was {$8.00} per hour. I had good credit when I began to borrow, as did my mother when she would co-sign but I do not feel that her income as a co-signor, or my income as a borrower, was substantial enough to support the repayment of the loans we asked for. I owed approximately {$270000.00} after graduating, with monthly payments totally approximately {$2000.00} in XX/XX/XXXX. Now that I have been discharged from a Chapter XXXX bankrupty, my debt has increased to approximately {$340000.00}, with approximately {$3400.00} in monthly payments. The overwhelming majority of my loans are private. I have tried on numerous occasions to set up reduced payment arragements and have been denied for frivolous reasons or offered reduced payment arrangements that are still too large to allow me to live comfortably. I am overburdened by high interest rates with no sign of, or opportunity for, relief. I have made numerous phone calls to these companies, provided proof of income, proof of other existing loans, allowed inquiries to be made regarding my credit, and all of these avenues of information clearly indicate that i have been experiencing an on-going hardship for quite some time. I do not feel as though there are enough options available to private loan borrows to allow them to repay their loans without being forced to experience an undue hardship. I also do not feel that enough standards are in place to prevent borrowers from being given private loans that they legitimately do not, or will not, have the means to pay off, instead of forcing them to struggle financially for the better part of their lives. I took out these loans when I was XXXX. I would love to pay this money back, but I feel powerless to these companies in terms of agreeing on a reasonable payment arrangement. I do n't know anyone who can afford a {$3400.00} monthly student loan expense after necessary living expenses are made and feel as though I am a slave to a debt that I ca n't even comprehend the magnitude of. I 've gone on various websites to calculate the amortization of my loans over a 20 year period and the value of the debt that I will end up paying, if I am over fortunate enough to have the means, will be over {>= $1,000,000}, including interest. I do n't understand how this is fair, or legal, or why there are n't any regulations in place to prevent or at least limit the value of interest that is allowed to be collected on. Realistically, I ca n't see myself ever having this kind of money. I have researched for countless hours and consulted with several different different attorneys, who either do not want to help me because of the magnitude of my situation, or have advised me that I would have to file and re-file for Chapter XXXX bankruptcy, or have advised me just to try to pay on what I can and default on everything then wait to be sued and see how that works. None of these options are attractive. None of them allow for me to make a good faith effort to pay and not be negatively affected. I am at a sincere loss. I do n't know what to do and I do n't believe that forcing someone to live under such limitations is right. | ||||||
| 08/07/2015 | Yes |
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| I called Navient at XXXX ( XXXX ) XXXX to speak to " XXXX '' ( # XXXX ), who is apparently " assigned '' to my account. He was not available, however, the representative I was speaking to claimed that I could talk to them instead. I do n't know for sure but I believe he said he name was " XXXX. '' He did not provide a customer service ID number but I asked later for another representative to tell me the ID of the rep on that call, they said it was # XXXX. I explained to the Navient rep that I was finally able to get Navient to reverse late fees that I incurred due to their admitted negligence, and as such was ready to resume payment. I said, " I 'm calling to begin the 15-month payment plan that " XXXX '' ( and other Navient representatives ) offered me. '' Towards the end of this roughly XXXX minute call, he began bullying and harassing me. He interrupted me, used an unprofessional and accusatory tone, and claimed I was " refusing to provide information. '' He continued harassing me by bullying me, interrupting me and talking over me. He did not stop until he disconnected my call. Then, I called back in an effort to work with Navient directly and file a complaint with them about their representative. I was transferred to a " supervisor '' who I have spoken to during a previous conversation, in which he ALSO bullied, interrupted, spoke over, harassed, and hung up on me. That experience was traumatic and, as one could imagine, I did not want to speak to him again. ( In that conversation, this " supervisor '' also refused to provide his customer service ID number. ) So, as soon as he gave his name, " XXXX XXXX '', I asked to speak to someone else. He said there was no one else. As a direct result, I was forced to call back. In the next phone call, the representative ( XXXX # XXXX ) did not begin bullying me right away but at the end of the call, again I was bullied and harassed. She also used the same accusatory tone, claiming I was " refusing to provide information. '' I calmly explained no, I am not refusing anything. I just called to make a payment on the payment plan I was offered by " XXXX '' ( # XXXX ), " XXXX XXXX '' ( the representative who replied to my last CFPB complaint against Navient ) and other Navient representatives. " The representative that bullied me on my XXXX phone call to Navient today, whom I believe is named " XXXX '' ( # XXXX ), end the call in saying " I 'm going to delete your information and mark your account " Needs Financials '' because you are refusing to provide information. '' He did so in a malicious intent because he was angry that I asked him not to interrupt me. This action on his part was intended to delay or hinder my ability to begin the payment plan I was previously offered, and an attempt to bully, frustrate and intimidate me to the point of giving up on working with Navient. My account is very close to default because I have been trying to get Navient to reverse negative credit reporting and late fees incurred from their own negligence. XXXX of their representatives made a mistake in setting up 15 months of auto-payments. That representative failed to set up each payment for the minimum due each month. In order to get Navient to reverse the harm they have done to my credit and to this student loan account, I refused to pay until they met my expectations of service. Since my account is so close to default, it is clear to me that Navient and their employees are trying to force me into default by making the process of resuming affordable payment extremely difficult, if not impossible. | ||||||
| 01/31/2017 | Yes |
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| I borrowed {$11000.00} as an XXXX. XXXX and its successor Navient ( hereinafter '' Navient '' ) managed to convert that balance to in excess of {$60000.00} by forcing and directing me into making multiple requests for forebearance in order to maintain my loan in good standing, and avoid default, rather than correcting the account balance to enable a complete pay-off of an accurate account balance. The disputed loan balance began when Navient allowed for a consolidation that was in violation of Federal Regulations because there was a judgment obtained for the defaulted student loan that was consolidated. The loan was defaulted in violation of Federal Regulations inasmuch as I was never enrolled less than half time for more than six months as an XXXX. I received a letter from the legal department at The XXXX informing me that the loan was defaulted in error and that it would be removed from the default status. Unbeknownst to me, the loan was never removed from the default status. In addition, Navient fraudulently consolidated more than twice the amount stated on the Promissory Note when Navient illegally consolidated the defaulted loan that a judgment had been obtained for. When I brought this to Navient 's attention for correction, they ignored me and referred me to the U.S. Department of Education for correction. When I contacted the U.S. Department of Education, they referred me to Navient for correction. The U. S. Department of Education wrote to me informing me that Navient needed to correct the account balance. After discovering multiple class action lawsuits against Navient that were settled for in excess of XXXX, I communicated with Navient CEO XXXX XXXX ( reported annual salary of XXXX} for 2015 ) informing him of the gross mishandling of my student loan account. Shortly thereafter, Navient offered a settlement that agreed to remove the excess amount that was fraudulently consolidated and the interest the account accrued only for the amount that was over consolidated. Navient appears to have deliberately stonewalled me in refusing to correct the account balance long enough to balloon the student loan account for Navient 's grossly improper financial gain and then offer " crumbs '' in a settlement offer that required Navient be released from all liability for their actions that deliberately inflated the loan balance for Navient 's financial gain. Steadfast in refusing to correct the loan balance, Navient allowed the student loan to default and sold the loan to the XXXX XXXX for collection of a loan Navient knew to be erroneous. Upon outlining Navient 's handling of my student loan account that violated multiple Federal Regulations and included a fraudulent consolidation, the XXXX ( " XXXX '' ) had Navient repurchase the loan they sold to XXXX. I received a letter from the XXXX informing me that I had to work with Navient to correct my account balance. Navient removed the loan from the default status and sent me a letter misrepresenting that the forebearance I requested was approved. I NEVER requested any forebearance. Navient is clearly attempting to inflate the account balance further for its continued grossly improper financial gain. Navient does not return my e-mail communication seeking to correct the account balance as both the U.S. Department of Education and the XXXX XXXX informed me needed to be done. The account is past due and will be defaulted again and presumably sold in default to XXXX XXXX to repeat the process over again. There has not been any effort or communication from Navient to correct my account balance. | ||||||
| 06/16/2021 | Yes |
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| XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : DEPT OF ED/NAVIENT PO Box XXXX XXXX, PA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX | ||||||
| 04/03/2022 | Yes |
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| I applied for and was approved for an IBR ( income-based repayment ) with Navient on Sunday, XX/XX/XXXX. My scheduled payment was {$78.00}. COVID-19 relief allowed all student loan payments to temporarily cease and so, no payments/auto payments began. On Wednesday, XX/XX/XXXX, I received an email from Navient stating that my IBR would soon expire on XX/XX/XXXX ( attachment # 1 ). My original payment ( before my IBR ) amount of {$190.00} would resume. My account is set up on autopay and therefore, I did consider the advance notice helpful. However, on Wednesday, XX/XX/XXXX, I received an email stating that my scheduled extraction of {$55.00} was due to be collected on XX/XX/XXXX -- the email also stated that the current amount due was {$190.00}. My IBR did not expire UNTIL XX/XX/XXXX and going forward, the extraction amount was stated to be {$190.00} based on the email I received on XX/XX/XXXX. On XX/XX/XXXX, the amount of {$78.00} was extracted. I received a 'thank you for your payment ' email on XX/XX/XXXX and a 'thank you for your payment ' email on XX/XX/XXXX. Yet, on XX/XX/XXXX, I received an email stating that Navient had not received a payment from me ( in reference to the XX/XX/XXXX payment ). I ignored it because I know that even though COVID-19 numbers have declined, businesses/organizations are still addressing residual effects from the pandemic in terms of staffing, etc. I wanted to give the departments time to log the payments to my account. However, I received a more 'forcefully ' worded email on XX/XX/XXXX, stating that 'a payment was required '. At that time, I called Navient from work and inquired about the discrepancy. I clarified that I was on autopay and that payments had been deducted. I also reminded them that they set the autopay amount and there was no way I could be late OR miss a payment with autopay (??? ). The person that I spoke with had a heavy Middle Eastern accent and was very difficult to clearly understand so I asked to speak to someone else that could facilitate and clarify so that both parties could understand. The female that I was then transferred to on XX/XX/XXXX, listened to my concern and then, put me on hold to review my account. She returned and apologized and said IT WAS THEIR ERROR and that my IBR ENDED on XX/XX/XXXX and the regular payment of {$190.00} was to BEGIN on XX/XX/XXXX. She assured me that there was no problem, that the incorrect payments would be addressed internally and that there would be no late penalties or adverse reporting to the credit bureaus ( see attached copies of emails with CORRECTED information, attachment # 2 and attachment # 3 ). However, I began to receive emails and phone calls in increasing frequency regarding 'the delinquency on my account ' ( phone calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite asking that I NOT receive calls while at work ) and XXXX emails reminding me that 'there is help if I need to get back on track ' with my payments. I am frustrated because I have autopay for a reason : to remove the hassle of trying to remember to make my scheduled payments and so that I don't have to worry about keeping up with the payments. I am concerned that I can not trust a financial/loan institution to manage my account correctly and accurately -- I trust them to do that so that I can work without stress AND because I DO have autopay, I am equally concerned that it seems that Navient is not quite sure what they are doing and randomly extracting payments in differing amounts ( I have differing accounts of what is supposed to be happening ). | ||||||
| 01/19/2019 | Yes |
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| In XX/XX/XXXX, Navient took over my student loans from XXXX. I am a XXXX XXXX XXXX in Virginia and I've been teaching since XXXX in mostly XXXX XXXX schools. My XXXX 's loans were managed via XXXX and I repaid them in full. I took out a loan for my XXXX XXXX XXXX because, at that time, Virginia was claiming they intended to replace all XXXX XXXX XXXX XXXX who had no XXXX XXXX XXXX with XXXX who did possess a degree. I completed my XXXX XXXX XXXX online through the University of XXXX. One of the loans tied to this degree is a Stafford subsidized and the other is Stafford unsubsidized. XXXX was the servicer until the date noted above. I requested, in writing, that XXXX keep my loan because I'd paid off the previous set of loans to XXXX in full. I'm not a deviant or irresponsible loan borrower and I knew Navient was already being sued for mismanaging student loans. In XX/XX/XXXX, I paid my monthly installment at Navient 's website. I proceeded to review their different repayment plans. There was no way to see what the new repayment installments or length of repayment times would be without completing an application. Nowhere on the website or application did Navient state that filling out an application was a binding contract to a new repayment plan ; if it had stated this, I would never have applied! I thought and still believe, based on the information provided, that I was simply applying for a potential new plan just like I'd apply to see what type of mortgage I might qualify for. After I filled out this application, I received an email link to a document stating I was now bound to this new repayment plan. I called Navient to discuss this but nobody seemed to be able to explain how an application became a binding contract. A supervisor named XXXX, ID number XXXX, came on the line and confirmed that Navient did not disclose the terms of completing an application. I've reported Navient to the XXXX several times. I've received letters from two different 'consumer advocates ' relative to my complaints. The most recent letter stated that I was correct -- -Navient did NOT disclose the terms of this application and the supervisor on the call did confirm that ; however, the 'advocate ' did not offer a resolution that would allow me to return to the previous plan. The new plan will extend the length of my loan and I will be paying more in the long run, which was not what I was trying to do when I applied. I wanted to see if a different repayment plan would be a more financially affordable option than the one I was previously using. All Navient has offered is to redo my plan again on their terms, which would continue to lengthen the life of the loan and cost more money for me. I will gladly forward or share the communications from Navient if needed as well as the XXXX complaint numbers. Navient is preying upon people like myself who are middle class citizens in careers such as public education and have student loans equating to a mountain of debt. I've already paid back more than half of what I originally borrowed for the XXXX XXXX XXXX and because Navient ( and XXXX, for that matter ) never contacted me about the status of the loans relative to Public Service Forgiveness, I did not realize I have the 'wrong ' kind of loans to even apply for it. I've been paying on this loan set for 8 years and was on track to have the balance forgiven in XX/XX/XXXX but now, thanks to Navient 's dishonest and predatory activities, I'll be unable to apply for forgiveness and I'm bound into a repayment plan that is not financially what is best for me. | ||||||
| 11/07/2018 | Yes |
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| The payment allocation system was well-balanced and effective, in my case. I mailed a monthly payment of {$75.00} which was 50 % higher than the {$49.00}, a previous minimum payment that appeared on several loan statements. This paid the monthly interest charges and an amount to the principal of each of my remaining three student loan amounts. However, Navient chose to make changes to their payment allocations that directly affected my account approximately XX/XX/XXXX. Now, even after making an adjustment by phone, my payment allocations are being applied in such a way that I am slowly accruing interest and principal on a subsidized account that has not received proper payment allocation since Navients XX/XX/XXXX changes. Subsequently, my statements now show a past due amount reflecting the exact balance increase of subsidized loan. Does this effect my credit, and if so, how? I requested this credit information in writing by phone with customer service agent XXXX on XX/XX/XXXX. He informed me I am twelve days past due even though they processed my payment of {$75.00} on XX/XX/XXXX. XXXX also informed me that I was reported to the credit bureaus two and a half years ago for being 90 days past due, which is impossible given that I have made monthly payments since the end of XXXX, approximately four years ago, which was before my repayment status began. I requested in writing all pertinent documents to this previous false delinquency report to the credit bureaus. Each loan statement provided by Navient includes an additional one sided page that reads, first to Unpaid Fees, then to Unpaid Interest, and then to Unpaid Principal. This is how they explain payment allocation in writing but in a previous customer service call in XX/XX/XXXX, I was told essentially the old payment allocation is no longer available. Even though the above quote is how they continue to explain allocation in print with each monthly statement, Navient still chose to make changes to my payment allocation, without my consent. Their changes were also without formal notice or explanation of options. I once took advantage of their instructions to include on a separate piece of paper included with your check the directions of how to apply a larger than usual overpayment. I still had to end up calling their customer service to reallocate the payment because they ignored the directions I gave on separate paper directly provided per their printed instructions. The loan statements provided by Navient are unnecessarily confusing with, at times, contradictory due dates. On my most recent loan statement, there is an amount and due date in the upper right corner, ( i.e. {$38.00} due XX/XX/XXXX ). There is a past due amount and pay by date to avoid late fees ( i.e. {$19.00}, XX/XX/XXXX ), which given mail times of their statement and how quickly they receive and process mailed payments, it is impossible to mail a payment and avoid a late fee upon receiving a printed monthly statement. It is further confusing because my last payment was not applied to the past due amount at all and the late fee to be assessed is {$0.00}. It is no wonder that a cursory internet search for Navient complaints shows several on-going lawsuits filed against Navient. Given I have good credit and I make above my minimum payments regularly, my student loan account is and should remain in good standing. I can only imagine what the needless stress and avoidable financial penalties are like for the myriad of other United States citizens that are struggling to make only their minimum payments. | ||||||
| 04/23/2015 | Yes |
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| XXXX 2009 I began attending XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX ( formally XXXX ). Prior to registering and moving from my home in XXXX I received assurances that the specific coursework I desired was available in a XXXX month program. I was then promised that the degree I would receive after course completion would be both valid and official. I was also guaranteed by faculty members that the job market would be highly favorable for such an advanced and professional skill set and that certification from this school in particular would be looked upon with the highest regard. I was also promised, in writing, that my advanced college level courses from my previous XXXX degree from XXXX were more than adequate and would transfer to XXXX XXXX XXXX. At that point, as all of my requirements appeared to have been met, I sold everything I owned that would not fit in my Honda Accord and moved from my home and family in XXXX XXXX, XXXX XXXX, XXXX. Upon arriving at the school in XXXX after driving XXXX miles, and not a moment sooner, I was informed that the coursework I had specifically desired and received assurances about previously, was then only available in the 2 1/2 year program when somehow only a week earlier it was available in the 9 month course which I had already signed up for. With no home or furniture to return to, after speaking with my family and after receiving guarantees that a private loan company ( XXXX XXXX ) worked hand in hand with the school and its students to ensure that students would receive reasonable rates, interest rates, and timelines for repayment as well as flexible options for consolidation and refinancing, I agreed to proceed and my XXXX year old retired mother agreed to co-sign. The school lied about accepting my previous college 's credits in an attempt to extort more money from me, the specific coursework I had travelled halfway across the country for ended up not existing in any class the school provided, XXXX XXXX began demanding $ 250/mo, then $ 500/mo and at XXXX point $ 1400/mo while I was still attending classes, gave and continue to give my retired mother harassing phone calls threatening to damage her credit and to garnish her social security. while a student there I was subject to several instances of documented XXXX discrimination, and while participating in a required unpaid XXXX I received multiple documented threats against my life from a fellow employee. When I requested a change of employment location for the duration of my XXXX I was told that I had to endure it or begin my three month XXXX all over and pay the school another {$5000.00} to do so. Of the XXXX students in my graduating class I was the only student with a perfect XXXX GPA yet I was so disgusted with all that I had been through I did n't even attend our graduation ceremony. Icing on the cake, about 2 weeks before graduating we were all told that the professional certification which we had been told was a part of our degree program did n't exist, but that if we 'd like to be certified all we have to do is go online to some fake website, cut them a check and they 'll mail us a " certification ''. As for the school 's " so-called '' credibility ... every time I apply for a job and mention XXXX XXXX XXXX I get laughed at and told that that school will graduate anyone and that they 'd rather hire someone will XXXX minutes of XXXX experience than to waste time with them. Now i 'm {$50000.00} in debt, un-hireable and my mother is on the verge of losing her home. Thank you XXXX XXXX XXXX. Thank you XXXX XXXX. | ||||||
| 12/22/2017 | Yes |
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Web | Older American |
| This statement will a sort of addendum to my original complaint number XXXX.I filed this addendum with my feedback but realized that the addendum would not be acknowledge.First I want to ad something that I failed to ask about in my original complaint and that has to do with all of the money I paid on these accounts before they went into default.By the time the accounts had gone into default I had already paid approximately {$6000.00} but that money has never been accounted for.During the many conversations I had with collection agents form the various collection agencies between XX/XX/XXXX and early XX/XX/XXXX I would inquire about that money and I was always told that I would be receiving and update and accounting for that money but it never happened.Now to move forward.Basically I am still confused about what id going on with my accounts and I am becoming increasingly fearful that I will be vulnerable to whatever power the assigned collection agency has in collecting their money.I have never tried to escape my responsibility but I am being placed in a position that I should not have been placed in.When I set up my payment agreement with the first collection agency in XX/XX/XXXX I had every intention of faithfully sticking with that agreement but the collection agencies have continued to complicate this matter by changing agencies and losing my account.From XX/XX/XXXX to XX/XX/XXXX I never missed a payment.Then in XX/XX/XXXX my XX/XX/XXXX payment was returned to me which set off a whole set of negative events which I explained in my original complaint.Then during the first week of XX/XX/XXXX I received a phone call from a person who identified himself as a XXXX XXXX representing a collection agency called " Navient '' .His telephone number is XXXX-Ext,XXXX.XXXX and I had a 30 minute conversation explaining what had happened during the history of my accounts and why whatever happened, happened.He explained that he was still in the middle of his research and would probably be finished sometime during the third week of XX/XX/XXXX.I asked him if I should go ahead and send in my XX/XX/XXXX payment which I normally sent in between the XX/XX/XXXX and the XX/XX/XXXX of each month and he suggested that I should.He told me that he would be calling me as soon as he concluded his investigation.XXXX concluded our conversation with an invitation to call him if I had any other questions.Astonshingly, the very next day my XX/XX/XXXX check had been returned to me.I of course called XXXX and left a voice message.I called XXXX a couple more times but he never returned my calls.Around or about XX/XX/XXXX to XX/XX/XXXX I received two letters from a company called XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.Interestingly this is one of the collection agencies I was referred to back in XX/XX/XXXX when I was trying to find out what was going on with my accounts when my first check was returned.I was told by a representative that she could not talk to be because I " live in Arizona '' .I called this company and I was told by an operator that they indeed have my accounts and that my account manager was being managed by a person named " XXXX '' .She said that she would notify XXXX to call me the same day but he did not.I called and left messages for XXXX on four subsequent calls but he has never called me back, Their records should show that I did call. So at this point I am completely lost and I do not know where to turn.I just do n't want them to after me because of their inefficiency and mistakes in handling my accounts. Please help. XXXX XXXX | ||||||
| 02/23/2017 | Yes |
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| I have 3 private student loans serviced by Navient ( current balances of {$14000.00}, {$9900.00} and {$26000.00}. The interest rates are really high ( XXXX % and XXXX % ) which makes even interest only payments impossible to repay along with my 2 direct consolidated federal loans ( current balances of {$74000.00} and {$91000.00} ). Together, the payments on all of these loans totals {$1200.00} per month. I make {$2500.00} gross/ {$2200.00} net biweekly. I am the sole source of income for our family of three. I was unemployed from XXXX 2016 through XXXX 2016, although I worked odd jobs, XXXX and XXXX to try to cover our expenses. We ended up qualifying for XXXX for a period of time because my income was so sporadic and unpredictable. I finally found a job in XXXX 2016, but as a result of my increased income, we are ineligible for XXXX and unable to afford insurance for my whole family with the plan offered by my employer. While my employer covers half of the employee health insurance premium, the payment for my portion of this policy alone is {$340.00}. Electing this coverage for my son and husband would leave us paying health insurance premiums of nearly {$1600.00} per month. Of course, this is a good health insurance policy without ridiculous deductibles that would bankrupt us. But even if we decide to pass up the group plan for my husband and son, this leaves us with the option of paying around {$700.00} per month for a XXXX plan with a {$14.00} deductible. This would still leave us paying a little over {$1000.00} for health insurance. I feel horrible about not being able to afford this coverage for my family. After all, I know how important health insurance can be when something unexpected happens. My son was born at XXXX. My little boy survived and has done remarkably well after a rough start. Our hospital bills for my two week XXXX and his 3 month stay in the XXXX were just over {$740000.00}. Because our family was covered by my previous employer 's health insurance, our deductibles and out-of-pocket expenses ended up being around {$600000.00}. Now I am in a position of trying to decide between paying my family 's living expenses ( our rent alone is {$2100.00} ), including a hefty health insurance payment, or making my minimum monthly student loan payments. It seems like there is no good option, especially with my private Navient loans. I have provided them with copies of my paycheck stubs, bank account statements and ridiculous amounts of documentation yet they refuse to work with me to put me on a financial hardship program because I do n't have a definite figure for my health insurance coverage yet. Instead, they continue to threaten to sue me and tell me to make these {$200.00} payments to keep the loan out of default. I have made these payments, but I do n't know how they are applying them or why they choose these arbitrary amounts. I have spent hours on the phone with their representatives only to be told something different each time I speak with someone. First they asked for my paystubs, then they wanted my bank account information and then they told me to send in all of my receipts and bills. No matter what I do, they are never happy. I honestly believe that they have no intention of working with me and that they are just collecting information in the event they eventually obtain a judgment against me. I need a humane payment plan on both my federal and private that loans that allows me to pay my family 's basic expenses, including health insurance that will end up costing us over 20 % of my gross income. | ||||||
| 10/08/2018 | Yes |
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| I have been sinceXX/XX/XXXX trying to get an income driven payment plan. I have sent my paper work in about 5 times they say it is wrong. They say is has to be printed and then faxed in or uploaded on their site. Well at the time I could not print anything. I had lost my job and could not afford anything. My other loan company accepted my paper work online with an electronic signature. I have an income driven payment plan. So Navient has been stretching this out since XX/XX/XXXX and I am still not on an income driven plan. They said in XX/XX/XXXX I was missing parts of the document. So I have sent it in every time they said I was missing paper work. Now in XX/XX/XXXX they wanted new pay stubs and I sent them the new ones still not on income driven plan. I have had this student loan since XX/XX/XXXX it was fine with Sallie Mae and Navient has been a nightmare. Correspondence Summary Documents We Sent to You provides access to correspondence that contains non-public, personal information ( XXXX XXXX ) which was recently referenced in an email to you. These documents will be available online at this website for 12 months. Documents You Sent to Us provides access to any correspondence you or your cosigner may have provided to Navient that does not contain non-public, personal information ( XXXX XXXX ) such as a Driver 's License or Social Security card for someone other than yourself. You can view these documents online at this website for 7 days. If you would like to retain a permanent copy of a document, it should be saved to your computer. The documents listed below are in XXXX XXXX format. If you wish to view the correspondence and have not already installed XXXX XXXX, please install it first. A free copy of XXXX XXXX is available for download at XXXX XXXX XXXX/. If you have any questions or if you would like us to mail you copies of any of these documents, please contact us at ( XXXX ) XXXX. outbound inbound DATE MAIL SUBJECT CORRESPONDENCE XX/XX/XXXX Here 's your monthly statement Monthly Bill - Navient - Ebill Reminder XX/XX/XXXX Here 's your monthly statement Monthly Bill - Navient - Ebill Reminder XX/XX/XXXX Here 's your monthly statement Monthly Bill - Navient - Ebill Reminder XX/XX/XXXX Change in Loan Terms Updated Payment Schedule XX/XX/XXXX Action Needed - Missing Application Information Update on Your Recent Repayment Plan Application XX/XX/XXXX Here 's your monthly statement Monthly Bill - Navient - Ebill Reminder XX/XX/XXXX New document ready to view! Update on Your Recent Repayment Plan Application XX/XX/XXXX Your forbearance request has been approved Forbearance Approved XX/XX/XXXX Change in Loan Terms Updated Payment XX/XX/XXXX-XX/XX/XXXX Important payment information regarding the status of your account XXXX 1st Delinquency Notice XX/XX/XXXX Here 's your monthly statement Monthly Bill - Navient - Ebill Reminder XX/XX/XXXX Here 's your monthly statement MONTHLY BILL FOR ACH BORROWERS XX/XX/XXXX New document ready to view! Additional Information Needed XX/XX/XXXX Action required - we need your income documentation Update on Your Recent Repayment Plan Application XX/XX/XXXX Here 's your monthly statement MONTHLY BILL FOR ACH BORROWERS XX/XX/XXXX Quarterly Interest Statement Available Quarterly Interest XX/XX/XXXX-XX/XX/XXXX New document ready to view! Additional Information Needed XX/XX/XXXX New document ready to view! XXXX ending? Auto Pay due to resume XX/XX/XXXX Change in Loan Terms Updated Payment Schedule XX/XX/XXXX Quarterly Interest Statement Available Quarterly Forbearance Statement | ||||||
| 03/20/2017 | Yes |
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Web | Servicemember |
| I took out a Student Loan in XXXX XXXX in the amount of {$4500.00} from XXXX. When I graduated in XXXX, I started to repay my loan through direct deposit directly to XXXX. I was paying faithfully, when I noticed in XXXX that the bank stopped taking my payments. I went to XXXX and asked why they were not taking my payments anymore and they told me that they sold my loan to " XXXX ''. I called XXXX and tried to make arrangements to continue paying. I sent several payments to XXXX and when I asked for my balance, I noticed the loan balance was not going down. I went on forbearance with XXXX in hopes I could get an accurate balance. My personal information was accidentally released by my employer and a few weeks later I started to receive letters in the mail from no less than XXXX different Collection agencies, requesting that I immediately pay each one of them for the student loan. I think my information was used and now scam artist are trying to solicit me and cheat me out of money. XXXX sold my loan to a company called " XXXX XXXX XXXX XXXX '' and they automatically said that I owed more money than I originally borrowed. Within a few months, XXXX XXXX XXXX XXXX sold my account to Navient. I received only XXXX letter from XXXX and they told me that " Penalties and interest '' are being added every minute and my balance is way more than I borrowed originally. Navient told me that they could not take any payments because they sold my account to a company called XXXX and they will ask for way more money. On XXXX, I called XXXX XXXX and asked if I could just repay what I owe to them. XXXX XXXX told me they can not accept any payment for loans. My loan had been sold to so many different collection companies that I did not know who the real holder of my account was. I received advice to contact the Department of Education Ombudsman Program, so I filed several cases with them, requesting they look into this. To this date, the DOE Ombudsman has not made any contact with me at all. I do n't know if the program has been discontinued or that they just do n't care to take my case, but a call back or anything would have been appreciated. In XXXX, XXXX on the phone, I spoke with an individual at " XXXX '' - a hired private collections agency and representative of NAVIENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We came to an agreement on a dollar amount for me to pay in full and that this would clear the entire debt up and they would no longer pursue any debt collections actions. The dollar amount and agreement we had ( IN WRITING ) was for me to pay {$3900.00} to " XXXX '' and they would clear the debt in full. I asked the representative at " XXXX '' to send me this in writing and I would send the payment in full. A short time later, I received a letter from XXXX and it was exactly the amount we had agreed to. I went to my bank and drafted a Cashier 's Check ( XXXX XXXX XXXX XXXX XXXX - Check number XXXX ) which included notation of " Student Loan- Paid total as agreed ''. I sent the payment in full to " XXXX '' through the United States Postal Service under tracking number # XXXX and I received verification that they received the letter and payment. On XXXX XXXX, XXXX " XXXX '' cashed my check and accepted the payment in full as we had agreed. I thought this was the end of it and all the phone calls, letters and collections efforts stopped. Throughout most of XXXX, I did not receive any correspondence in reference to this alleged debt. When we went to file our taxes for the refund, Navient took more money out. I have more info. | ||||||
| 06/29/2020 | Yes |
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| After paying Sallie Mae for 7 years, I was told my loans were consolidated. I received a phone call at my job, at the time was XXXX XXXX XXXX in XXXX, IL. A creditor had called saying I had not been paying any of my debt towards my loans. I also went to three different colleges. My loan councelor explained to me all I had to do was change the school code per school so my loan with sallie mar would transfer. Also, every quarter, there was always an issue with some type of information missing to continue my loan. I remember every new school year, I had to give them a copy of my birth certificate and social security card. When I was a half way thru my junior year of college in XXXX, sallie Mae had given a quiz letting us know the information of our student loan. The interest had changed from 6 % to 11.2 %. As a student who did not know or understand any of these terms, I just agreed to them fearing my loan would be terminated. There were three options after you had taken the quiz : yes, I understand the terms and continue my loan. Yes, i understand the terms but do not agree ( termination of loan will begin ), and no I do not agree and/or understand terms. I was a year and a half away from graduating. Why wouldnt I agree? The pressures as a college student and failing your parents were there. So I agreed just so I would finish school thinking I would be making enough money to pay them back when I had a career. Fast forward to 7 years later. I also tried getting a car by myself and when they pulled up my credit check, the dealership Had showed me that they would not except me because I had over 20 loans out in my name. I had said that Hass to be a mistake because I would never do that. When I have looked at the list that is when I saw that Sallie Mae had dispersed my loans per quarter instead of per year or per school. I was so beside myself. After all these years I have been paying the payments of a consolidation I was upset to know that I still had at least 20 other loans that had not been getting paid. I felt like my world is crumbling because now this would for sure be affecting my credit and as a XXXX-year-old, I knew I was already worried about my future. I was scared I could not get a car payment or mortgage or any type of loan without a cosigner. Becoming an adult how would I be able to live how would I be able to do anything by myself? I felt like this was a burden and I was completely embarrassed. When I was a XXXX in college when I finally understood what the terms meant for the loan of Sallie Mae, if I knew what was I getting myself into I would have never have signed these loans. I would have never gone to college or have chosen the college that I went to. I would have never signed OK or even let my parents cosign to these loans. I felt like the pressures of college as an XXXX-year-old they forced you to go to college and force you to go to college that you could not afford and forced you to sign a loan that you didnt even understand. You were scared as a teenager and if you didnt go to college you were a loser. I am now XXXX years old and I am making payments through a creditor who automatically takes 10 % per paycheck for the past three years. 10 % of each paycheck equivalent is equivalent to $ XXXX {$800.00} a paycheck. I recently did a credit report and now it looks like there are still student loans I still have not paid. I feel like I am underwater and I can not get a head. And as Ive done the research basically all these years there is nothing I could do to get ahead because everythingI was a scam | ||||||
| 06/28/2017 | Yes |
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| On Monday XX/XX/XXXX, I contacted Navient multiple times about paying down principal with an additional payment I would like to submit electronically or by wire transfer. I spoke to multiple agents at Navient about the details of this payment, how to make it, and how it would be applied. I asked if this additional payment could be applied to principal only if I paid next month 's Pay As You Earn payment and they said " yes ''. I also asked if there was a form to submit to make sure the money I would pay did not go to future monthly payments or interest. They said " no ''. They indicated I simply needed to tell them over the phone I wished to apply the money to " principal only '' which I did. I wished to pay {$74000.00} on my principal. I understood I needed to make the next month 's payment ( {$340.00} would have been due XX/XX/XXXX because I pay on the XXXX of every month as I did on XX/XX/XXXX ) so I could pay additional money to principal. They said I can pay a maximum of {$50000.00} at a time so I paid {$50000.00} and {$24000.00} so I could apply {$74000.00} to principal after paying {$340.00} for the next month 's billing cycle. I found out last night when they processed the payment that only about {$10000.00} went to principal but {$64000.00} went to interest. This should not have happened. I was misled by the agent I spoke with. I was clearly instructed that as long as I paid my minimum balance due for the next cycle according to the terms of Pay As You Earn any additional payments could go to either principal or future payments and I specifically stated to put it towards principal. My goal is to have all of the additional payment from XX/XX/XXXX paid to my principal. Additionally, my loan should reflect a payment on the day of XX/XX/XXXX and not the day they correct it. I should not accrue 7.25 % interest on the full amount of principal ( approximately {$270000.00} ) while they correct this mistake. I should be accruing interest on approximately {$200000.00} from XX/XX/XXXX on. My calculations show I accrue about {$1800.00} per month with principal around {$270000.00}. The interest accrued per month after my payment decreases principal to {$200000.00} should be about {$1300.00} The date of my payment being corrected and actually being applied to principal as opposed to interest could potentially cost my hundreds of dollars based on the difference of interest that accrues while Navient corrects their mistake. They stated it would take 7-10 days to investigate my compaint but gave no guarantee about the result. Additionally, Navient is being deceptive about monthly changes in interest and the loan amount owed. I think it is deceptive that Navient no longer displays a month by month loan report to show how interest is accruing. They will show a monthly payment report but not show a month by month loan report similar to a credit card or checking account statement. There is no way for me to check online or by calling them to see how much interest rate has accrued over the previous month. I can not find out my total debt from last month unless I keep my own records by paper or electronically and track it myself. I asked them over the phone how I can tell if the interest applied from XX/XX/XXXX-XX/XX/XXXX would be affected by the date my payment of {$74000.00} was applied to principal ( XX/XX/XXXX vs. potentially XX/XX/XXXX or later ) and they said there is n't a way. I have no documents to attach because the agent misled me during a phone conversation. I have no email or written documents. | ||||||
| 04/15/2016 | Yes |
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Web | Older American |
| Summary of Claims regarding Fraud for Profit * 1. Failure to disclose actual loan terms regarding consolidation loan payment. Undisclosed terms were misrepresented and XXXX, specifically. a ) Interest rate misrepresented ( XXXX loans ) & possibly more than doubled b ) Amortization schedule not provided c ) Term and number of payments misrepresented and then extended two-fold 2. Coerced me into loan consolidation by the following : a ) Did not allocate payments properly b ) Did not disclose amortization schedules, doubled number of payments with loan consolidation c ) Misrepresented the interest rates of the XXXX XXXX loans prior to consolidation 3. Coerced into making payment and signing deferment to declare bankruptcy 4. Refusal to provide copies original loan agreements detailing terms of loans 5. Reported derogatory claims against my XXXX score while refusing to properly answer my claims - a contributing factor to current homelessness and adversely affecting my relationship with family and friends. *Navient, then XXXX XXXX XXXX created a false 'need ' for loan consolidation by misapplying payments, and then willfully obscured and withheld crucialinformation about the loans and any changes in the terms of the loans. While my payment seemed unchanged the interest rate and term of loan more than doubled. BACKGROUND * XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ) : In XXXX, I took out the first of XXXX XXXX loans. After the third loan was funded and coupon books issued, I wrote XXXX monthly check for all three loans and included the threemonthly payment coupons with the check. This procedure worked when paying for XXXX loans. With the third loan payment, XXXX XXXX began applying the payment to XXXX or XXXX loan ( s ) inspite of the XXXX payment coupons. Their explanation : they had no way of knowing which loan I was paying and claimed the right to apply payments however they saw fit. To avoid latefees and the threatened misinformation to the credit bureaus, thereby adversely affecting my XXXX XXXX score, I sought a better solution. XXXX XXXX 's recommendation : consolidation of my XXXX loans. This was predatory and probably fraudulent for the following reasons : a ) a lender/servicer fabricated need for loan consolidation ; b ) undisclosed terms and conditions of loans e.g. doubling # of payments from XXXX to XXXX ; c ) incorrect beginning balance for the consolidated loan ; and d ) ambiguity as to interest rates on the initial loans thereby allowing XXXX XXXX to covertly increase what I 've been told by XXXX was an interest rate of 3.13 % increased to 8.25 %. I would not have knowingly agreed to a loan that increased the interest rate from 3.13 % or even 6.54 % to 8.25 %, nor would I have knowingly agreed to doubling the number ofpayments. Between XXXX of XXXX and XXXX of XXXX I paid XXXX XXXX {$32000.00}, without missing a single scheduled payment. As you can see, I repaid all the money borrowed plus {$6200.00} ininterest. In XXXX of XXXX, I refused to give XXXX XXXX more money. In XXXX of XXXX, on the advise of a bankruptcy attorney, I made XXXX payment to XXXX XXXX and agreed to adeferment so that I could file for bankruptcy on other debt. I believe that was bad advise but I was under duress. ( A few years earlier I lost $ XXXX on a real estate sale when the real estatemarket collapsed. ) The student loan defaulted to the loan guarantor, XXXX in XXXX XXXX. I requested an Administrative Review, with no positive result to date. I believe that neither XXXX/Navient norXXXX have acted honorably in this matter. | ||||||
| 05/29/2021 | Yes |
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| The company Navient is under investigation by the consumer affairs. I was part of the investigation. Here are the results ' unfortunately, I cant answer those questions except that you should continue to make your payments. As to your other questions, you may want to discuss that with private counsel. Our office can not guarantee what will come of the lawsuit, as it goes through the legal system now. From : XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : [ EXTERNAL ] Re : Navient Interview - 3rd Party Waiver Form Great news, Am I still obligated to keep paying this high monthly payments? How can I get this debt clear up or removed from my credit report? Sent from my XXXX On XXXX XXXX, XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote XXXX Good morning Mr. XXXX, XXXX hope all is well. The information was received and useful. Our office filed a lawsuit against Navient last year in XXXX. XXXX From : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : [ EXTERNAL ] Re : Navient Interview - 3rd Party Waiver Form How did the information work out? Information Sent from my XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Excellent! Thank you again! From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : Re : [ EXTERNAL ] Re : Navient Interview - 3rd Party Waiver Form Thank you will try to make a great weekend. Here additional information. On Fri, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX wrote XXXX Thank you kindly Mr. XXXX. Your help is greatly appreciated. I hope you have a great weekend! Regards, XXXX From : XXXX XXXX XXXX XXXX : XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : [ EXTERNAL ] Re : Navient Interview - 3rd Party Waiver Form Hello XXXX, Here the information you requested. On Fri, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX wrote XXXX Good morning, As our interview process draws to a close, I would like to thank you again for your time and patience, as well all the information you have provided our Office during our discussion regarding Navient. Going further, it would be a tremendous help to us if you would be able to glance over the attached 3rd party waiver form, sign it, and return it to us at your earliest convenience. This form allows our Office to request documents from Navient, their collection agency servicers, as well as the United States Department of Education on your behalf. Should you have any further questions, or information to provide, please feel free to contact me at any time. Again, thank you for your assistance with this matter. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX of the Attorney General Division of Consumer Affairs XXXX XXXX XXXX, XXXX Floor XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( Phone ) XXXX ( Fax ) Privileged and Confidential Law Enforcement Communication Investigatory Privilege CONFIDENTIALITY NOTICE The information contained in this communication from the Office of the New Jersey Attorney General is privileged and confidential and is intended for the sole use of the persons or entities who are the addressees. If you are not an intended recipient of this e-mail, the dissemination, distribution, copying or use of the information it contains is strictly prohibited. If you have received this communication in error, please immediately contact the Office of the Attorney General at XXXX XXXX XXXX XXXX to arrange for the return of this informati Please delete this company from my credit reports | ||||||
| 09/28/2016 | Yes |
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| TO NAVIENT CC. CONSUMER FINANCIAL PROTECTION BUREAU : ACCORDING TO MY ATTORNEY, I AM ASKING NAVIENT NOT TO PUT THIS FRAUDLUENT NARATIVE IN THE CREDIT REPORTS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NO. XXXX XXXX, CA XXXX SEE ATTACHED CREDIT REPORT FOR LOAN NUMBER If you wish to have this narrative removed from your credit report, please write to us at XXXX. XXXX XXXX, XXXX, PA XXXX. Please include your name, address, account/loan numbers, and indicate that you wish to have the dispute narrative removed from your credit report. Response We reviewed the concerns you addressed to the CFPB and attempted to reach you on XXXX XXXX and XXXX XXXX, XXXX to discuss your account in more detail. Unfortunately, our attempts were unsuccessful and we have n't received a response to our outreach. While we were n't able to talk with you directly, we can share that our review of your account determined that your Private XXXX Loans ending with XXXX and XXXX are currently enrolled in our Term and Rate Modification Program ( TRMP ). The monthly payment amount on this program is {$480.00}. You have prescheduled monthly payments from XXXX XXXX, XXXX to XXXX XXXX, XXXX in the amount of {$480.00}. The interest rate of the loans was reduced to 2.00 percent for 12 months and the term of these loans has been extended to 180 months. Our records confirm that this is your third year of enrollment in this reduced payment program. Your first year of enrollment in TRMP, your interest rates were reduced to 1.00 percent and your payments were {$180.00} for the loan ending XXXX and {$250.00} for the loan ending XXXX, for a total of {$440.00}. Your second year of enrollment, your interest rates continued to be reduced to 1.00 percent and your payments were {$180.00} for the loan ending XXXX and {$240.00} for the loan ending XXXX, for a total of {$430.00}. You mentioned in your inquiry that approximately {$110.00} in extra payments have been taken from your bank account without your authorization. Our records confirm that all of the payments were authorized by you when you enrolled in the reduced repayment program. You are required to set up prescheduled payments and to agree to the terms and conditions of the program, prior to enrollment. Our records further confirm that when you initially enrolled in the program on XXXX XXXX, XXXX, your account was severely past due. The terms and conditions of the program were read to you and the terms clearly state that if your loans are past due and your delinquency has been reported to the consumer reporting agencies, the negative information will remain and any further delinquency will continue to be reported until the third qualifying payment is received and posted. We have confirmed that the credit reporting is accurate. The Fair Credit Reporting Act requires lenders who report information to the consumer reporting agencies to do so with accuracy. Navient can not remove accurate information previously reported. We have updated your credit report to reflect your disputed loans as follows : Completed investigation of FCRA dispute - consumer disagrees. This narrative will be reflected on your credit report for each loan you included in your dispute and will be included with our next update to the Consumer Reporting Agencies. If you wish to have this narrative removed from your credit report, please write to us at XXXX. XXXX XXXX, XXXX, PA XXXX. Please include your name, address, account/loan numbers, and indicate that you wish to have the dispute narrative removed from your credit report. | ||||||
| 05/20/2021 | Yes |
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| I have private students loans with Navient since XXXX. These loans were at one time Federal Student Loans with Sallie Mae. Because I was not making a lot of money they encouraged me to defer these loans. I was not offered and income based loan program and somewhere around XXXX after reading some information applied for IDP and began paying the loans back. At some point in XXXX when I lost my job and filed for bankruptcy I called Navient to find out if these loans could be settled in the filing and they told me that students loans do not qualify for bankruptcy. They suggested I put these loans into forbearance until after the proceedings. At the time I was not offered any other option. Fast forward to a few months ago when the pandemic hit. I contacted Navient because again I was unemployed due to covid and they told me because these were private loans they were not apart of the pandemic relief package. I had been paying over 10 years and thought I would try to apply for loan forgiveness under the IDP. I went on line at the time and applied for this program. It was denied. I didn't understand why but kept making payments. It seemed I had been making payments forever on this loan and the balance only increased? The original loan amount was XXXX. I added up all my payments which amounted to XXXX and still have a XXXX balance?? I began to question Navient about these interest rates and capitalized charges and they have yet to give me a clear answer. I have spoken with a supervisor and the final answer is always " this is why student loans are different than other amortized loans '' Apparently they charge a capitalized charge each time they defer/forbear the loan, and then charge the 6.8 % on top of the entire amount making it impossible to ever pay back the loan in its entirety ; as far as I can tell. I then ask her why there was another capitalized charge of XXXX in XX/XX/XXXX and she claimed that I filled out an unemployed deferment form, which created the charge? I never recall doing that but told her I did fill out a forgiveness loan application and I would like to see the signature and she said it was electronic, so no signature. I asked her why if I had filled out a deferment and knew about it, would I continue to make payments on the loan, and if a capitalization charge was for non payment of the interest why was my COMPLETE payment, during that time, not going to the principle? She had no answers other than, this is how student loans work? I'm not satisfied and would like a better explanation. I also noticed that it looks as if no payments went to the principle of the loan from XXXX yet I made payments to them? I'm not sure why when I download the spreadsheet it shows XXXX payments made? I think this loan servicer is shady at best and now understand why people feel trapped by this lender. I might add that she again tried to convince me to refinance my loans or put them into forbearance if I couldn't pay them, and I told her absolutely not until I got to the bottom of this situation. As I looked deeper into the Navient on line forms, I noticed that all the documents and form I had sent them over the past uploaded or otherwise did not exist in their forms you sent us tab. So apparently any documentation that I could have sent you about my situation no longer exist, just them saying I filled out electronic forms without signatures. I might also add that she informed me that I was not able to record the conversation at the beginning, as I had ask her to do so. Sincerely, Concerned about the Ethical Issues | ||||||
| 04/12/2017 | Yes |
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| My complaint is Navient increased my payment amount and extended my loan terms without my approval. I have contacted customer service 3 times, spoke with XXXX managers and my issue is still not resolved. In XXXX XXXX, I noticed my payment amount was increasing. My standard payment was XXXX per month for XXXX terms starting on XXXX/XXXX/XXXX. Estimated payoff date was XXXX/XXXX/XXXX. I have been making monthly payments since XXXX XXXX and have never had any issues with XXXX XXXX or Navient until XXXX XXXX. I have always paid my payment in the month that it was due even when it was late. Now due to the increase in my payment amounts, my payment has exceeded the 30 days. I contacted Navient in XXXX XXXX to discuss the purpose for my payment increasing. I was informed by the customer service representative that I was in a flood zone and due to the natural disaster in my area my payment changed. I explained to the rep that I was on the West coast and the hurricane was on the East coast. The representative informed me that a mistake was made and that she would correct the error. I paid the increased amount and expected my payments in XXXX to reflect the previous amounts I had paid before XXXX XXXX which was {$120.00}. In XXXX and XXXX XXXX, I had the same issue. Therefore I contacted Navient again on XXXX XXXX, XXXX and requested to know why my payments kept fluctuating. The representative stated that I had requested a forbearance which is why my payment changed. I reiterated to the representative that I never requested my loan terms to be changed nor agreed to any forbearance and that I requested Navient to correct the error and to change my payment terms back to what I originally agreed to with XXXX XXXX in XXXX. I then spoke with the representative manager who stated that a forbearance letter was sent to me stating that my loan terms had changed. I informed the manager that I did not receive a forbearance letter nor did I request forbearance and that I was going to review my loan documentation and respond back. On XXXX XXXX, XXXX, I contacted Navient again to discuss the error with my account. I spoke with a representative who could not explain the payment increase. I read to the representative part of the last document that XXXX XXXX sent me dated XXXX XXXX, XXXX. I then spoke with the manager, XXXX employee # XXXX. XXXX informed me that a forbearance letter was sent to me was the reason for the change. I reiterated to XXXX that I did not request forbearance so I would like an explanation for the payment and loan terms changing when I did not request it. I informed XXXX that I have been making payments since XXXX and now that I only have about 13 months of payments to make Navient has decided to increase my payment and extend the loan term. XXXX could not explain the reason for the forbearance or who requested it. Finally I was told they did n't think I would be able to pay it off by the deadline is the reason they changed it. I believe that decision should be decided by me not Navient. I have been attempting to make the payments but as a result of the change ; I have been consistently late even past 30 days. Navient also increased the amount of the late fee. I do n't understand after all these years of making student loan payments why would Navient suddenly decide to change the terms, payment amount and late fees. I am requesting some assistance as to why this was even changed in the first place and to refund me the late fees for the increased amount and to change my payment back to the original terms. | ||||||
| 05/16/2018 | Yes |
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| In XX/XX/XXXX my bankruptcy was discharged and I've contacted navient in XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXand XX/XX/XXXX I also contacted them in the same months of XX/XX/XXXX to make sure all of my loans was correct. I was told that everything was still in bankruptcy stylist in XX/XX/XXXX so in XX/XX/XXXXwhen I called Everything was showing and I put everything and income-based payment plan. I was told that all of my XXXX was in income-based but then I started to receive collection calls from collection agencies for my loans I kept contact in XX/XX/XXXX I started contacting him about the collection calls I started to receive back in XX/XX/XXXXagain they reassured me that all of my loan was in income based repayment. And XX/XX/XXXXI was told the same thing so I finally asked how many loans that they have of mine and was told less than I actually have I asked navient representative to search for more of my loans because I have more loans than they had said I had. The lady searched and found that I had other loans but they were sent out and they had to repurchase. The loaf ended up getting repurchase in XX/XX/XXXX during the same months I called about my Federal loans I also called about my private loan and I was told don't worry about it they've been taken care of I asked why was I receiving statements online said that I had a bill I was told that those were incorrect don't worry about tge statments on Navient web sight i was told this in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. So they sent me PDFs of new statements that said may payment was XXXX. So I left it alone for a while in XX/XX/XXXX I call Navient to check my status and told the same thing each time I'm speaking with supervisors and managers. So I put in an application for mortgage loan and found out that I was delinquent on two loan in XX/XX/XXXX. I then contacted Navi it again and ask for documentation that my loans were taken care of they then sent told me I had to contact the bankruptcy Department I contacted the bankruptcy department and left a message they returned my call three days later and told me that the information that Navient had was incorrect and a systems hadn't been updated or crossed over yet to read the actual statement of what I owed or what I have to pay. I've been contacted navient private loans again and I asked why I wasn't sent out bills, why was I told that the payments on the Navient site was incorrect and not to worry about them and that it wasn't true I was told that Navient does not send out bill and I would have to wait for a collection agency to call me I than asked for another supervior and was told on was not available and I would have to leave a message so I left a message and never received a call back. I than contacted Navient private loans again asked for a manager or supervisor and now I keep getting sent to different departments and then back to the private department. I was try to take care of the situation before the collection agency got involved back in XX/XX/XXXXnow I'm getting collection calls, I can't get my home loan, and my credit is affected. I contacted a consolidation department for loan forgiveness and threw them I was told that my loan that I supposed to be an income-based repayment plan is not and they are in forbearance I have paperwork showing that my loans are income-based but the loan forgiveness place is telling me that they are in forbearance which increases more High interest rates and makes my loan more expensive can someone please help me with this situation? | ||||||
| 01/25/2017 | Yes |
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| Hello, I recently saw in the news that the CFPB has decided to take legal action against Navient/XXXX for how they have treated consumers like myself who are trying to pay back their student loans and I would like to be involved in any way I can. I graduated in XXXX at the age of XXXX and had taken out loans through XXXX XXXX as my parents were not able to be co-signers on my loans and they were the only lender that allowed me to take out loans on my own. When my loans went into repayment status in XXXX I received a bill for almost {$800.00}, as my XXXX loans all had XXXX separate interest rates and they did not allow for any consolidation on these loans. For 6 months I tried to work with them to find some way I could make these payments and was offered no options, leaving my loans to go into default and my credit ruined. Finally in XXXX they offered me a " lower interest repayment plan '' which would drop the interest rate on all loans to 1 % and bring my monthly payments down to {$270.00}, however I had to pay almost {$2000.00} before they would allow me to be eligible for this program. Over the next couple of years my rates and payments were increased and at one point I was not able to make payments but was offered no assistance and my loans again went into default, harming my credit even more and resulted in harassing phone calls and threats of lawsuits if I did not start making payments. At this time I was going through serious financial difficulties as my family was having issues and at the age of XXXX had to take on the role of being the sole provider for my younger brother and sister, but when I explained this situation to them they offered no empathy and told me I had no choice but to pay them or I would be taken to court. I entered into the repayment program once again after paying what they referred to as " late/forbearance fees '' which amounted to around {$1500.00} and have been paying ever since. My payments do not make sense, the amounts owed do not make sense, and I have exhausted every option available to try and find a way out of these loans and have not been able to find any relief. At this time my current estimated payoff is XXXX of XXXX at which point I will be XXXX years old and will have been paying off these loans for 30+ years. I was told this past week when I set up my payments that my interest rate is now up to 4 % and payments {$310.00} and these will continue to increase each year that I apply for this lowered repayment plan, but without the plan my payments would be $ XXXX/month for the next 25 years. Because of XXXX XXXX and Navient I am XXXX years old and almost $ XXXX in debt with XXXX negative accounts on my credit report resulting in a terrible credit score and essentially ruining my life and any chances I have of a future. I have done everything right in my life ; I went to school, I graduated, I 've worked full-time and at times had XXXX jobs at once to support myself and my family, and yet because of these companies I will never have a chance of achieving the most basic of standards that others have. I will do anything I can to assist with this matter and can provide financial statements and payment histories showing how I have repaid $ XXXX to them and somehow my account balances and payments keep increasing. If anything comes from this please know that my story is not unique ; I personally know of many others who have had similar experiences and are now dealing with the same consequences. Thank you for your time and for your actions against these criminals. | ||||||
| 04/24/2023 | Yes |
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| Navient lost their class action lawsuit. I called to find out why I wasn't being updated when I signed up for the suit. Navient claimed they couldn't find me under my current name or my previous name ( XXXX XXXX XXXX, by my SSN, or anything. I told them I went to XXXX XXXX XXXX XXXX, which was bought out by XXXX before I had finished my first year, then XXXX was bought by XXXX XXXX a few years after I graduated. Navient told me that they didn't include loans taken out by students while they attended XXXX and even though their records showed I had loans while at XXXX, I was left out of the lawsuit because they never updated the records when XXXX was bought by XXXX. This is wrong. I don't think they didn't update the records based on the hundreds of phone calls I received from their collections dept. They always referenced XXXX. Navient knew, and they intentionally omitted me from the settlement. I honestly think it was because I had been fighting them since XXXX. I'm so tired of fighting them. Every dispute, every claim, everything has been denied by Navient and their denial has been accepted as truth, even after they lost a massive class action suit regarding their student loan practices. You can look back at my last two complaints about Navient to see all of the details as to why I signed up for the class action suit in the first place. I never would have if my experience didn't align with the lawsuit allegations. They're still on my report, I can not see past XXXX but the collections started well before I graduated in XXXX. Just based on that alone, " missing '' payments prior to graduating, puts me well past the 7yr mark from the date of the first missed payment, which means Navient should be removed from my credit. But when I dispute with the credit bureaus, they ask Navient and Navient says they didn't do anything wrong ( the lawsuit allegations say otherwise ), and the credit bureaus deny my claim. I'm tired, I'm so tired of fighting the one company that is keeping my credit score low and making it hard for me to obtain any future financing, re-financing, or anything. Please, please, please help me get them off of my credit. While I want to be re-paid for all the money I gave to Navient just to get them to stop calling me & my family numerous times a day for years without allowing forbearance or deferments or working with me on a realistic repayment plan, I'm not holding my breath. My husband, whom I hadn't even met yet when XXXX duped me out of XXXX of dollars and I XXXX 3 years before we met, borrowed from his 401k just to get Navient to settle and stop the harassment, the incessant phone calls to me, to him, my dead grandmother ( they'd call my number and leave a message for her ), the letters to me, my husband and my dead grandmother ( again, come to my address but her name on them ). 5 years ago, he did this, and he's still paying back his 401k to catch it back up. I don't even know how they got his name or phone number. My husband wasn't on any of my student loans and we filed our taxes married but separate. Yet, they started calling & mailing him regarding my loans. AND they got away with all of it by not updating their records to reflect the XXXX buyout and not disclosing that to the prosecution in the class action suit. I know I am not the only student from XXXX that has been financially & mentally hurt. Oh, and I contacted our state 's attorney general 's office involved in the lawsuit after I discovered this omission, but they said they couldn't help in this stage of the game. | ||||||
| 08/26/2022 | Yes |
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| My husband and I had two federal XXXX school loans beginning when we both graduated in XXXX and XXXX respectively. These loans ended up being changed to different repayment plans several different times over the years in an ongoing effort to both afford the payments and get them paid off as efficiently as possible ( keeping interest we pay over the life of the loan down ) as we worked and raised our family. I have an XXXX XXXX XXXX. degree and a XXXX XXXX XXXX in the XXXX XXXX XXXX. I have worked in the XXXX XXXX, XXXX ( for a XXXX XXXX ), and have run my own business for 22 years. I currently have a XXXX score of XXXX. I'm not naive or unskilled in managing money. I am quite confident in my administrative and bookkeeping skills. Well ... ..when I would responsibly call in to my servicer ( Sallie Mae , then Navient ) over the years to find a better deal and keep it a federally owned loan, they purposely misinformed me, lied and steered me into loans that not only WERE commercially owned ( which I told them repeatedly I did not want ) but that screwed us over in terms of how much interest we were paying over the life of the loan. And it happened right over the phone. Extremely dishonest and confusing for borrowers what was actually happening until it was already done -- over the phone. The original consolidation loan amount on our two loans was a little over $ XXXX, and 23 years later we're still paying $ XXXX monthly and have over $ XXXX ( and 5 years ) left on the two loans and have paid out {$11000.00} in interest on top of {$17000.00} in principal on the first loan ( {$29000.00} in payments for original loan of {$22000.00} ) and {$4700.00} in interest and {$7000.00} in principal on the second loan ( {$11000.00} in payments on original loan of {$9100.00} ). So we've paid {$41000.00} in payments for an original loan balance of just over {$31000.00}. We were purposely misled and it was all so confusing when I would call, and they would just change the loan type over the phone by saying we'd be " saving $ -- -- in interest by switching to this loan '' and would get a rate decrease etc and my mistake was trusting them to be honest with me in trying to help us not pay out so much more than we needed to. We were capable of paying out more to shorten the life of the loan. We only needed one pause on payments due to a job loss back in XXXX when we struggled financially for a couple of years. After Biden 's announcement this week on loan forgiveness, I confirmed that we have federal FFELP loans ( commercially owned ) and that's why we had to pay every month during the federal student loan pause during the pandemic, and why we can't get our loan forgiven under the Biden plan because it's commercially owned -- but that there will be an IDR adjustment made to hopefully help people like me and my husband who were basically swindled and steered in the exact opposite direction than we told our servicer we wanted to go with our loans. So, yesterday I applied to consolidate our Navient owned loans into a federal IDR loan so that maybe we can have some relief in the upcoming IDR adjustment to help account for what these servicers have done to us financially. They essentially took advantage of our trust and robbed us. We expect to pay some interest on a loan, but this has been ridiculous. I emailed Navient today that I applied for IDR loan yesterday ( spouse co-signed ) and that I expect them to process it expeditiously ( within 10 business days, as the Rep told me ). Thank you for listening to our story. | ||||||
| 11/30/2017 | Yes |
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| When I enrolled in the automatic payment program with Navient in XXXX XXXX, I was told by the customer service representative I spoke with, that after 24 consecutive months of on-time payments, my co-signer would be released from the loans. In XXXX XXXX, I noticed that one of my payments had not posted to Navient a few days after it should have. When I contacted Navient about this, I was told that my automatic payments had ended, and that I was responsible for contacting them to renew being a part of that program every 12 months. I was never informed of this when I originally signed up for the program. So, the first year of my automatic on-time payments no longer count towards the release of my co-signer, and I have to start all over again. In XXXX XXXX, I speak to Navient about releasing my co-signer as I approach 24 months of consecutive payments, and I am told that the only way a co-signer can be released from the loans is when they are completely paid off. I am frustrated, but there is nothing I can do, and XXXX continue paying my loans. Unbeknownst to me, Navient ends my enrollment in the automatic payment program after my call with them regarding releasing my co-signer. Between XXXX and XXXX XXXX, I go back and forth with them on why they ended my enrollment and how I can make a payment. My payments are not posted until XXXX XXXX, and they assure me that I have been enrolled in an automatic payment and reduced interest rate program in all my private loans. In XXXX XXXX, I am horrified to learn that of my 3 private loans with Navient, they have only applied the automatic payment and reduced interest rate to ONE of my private loans. So, while the payments I expected were leaving my bank account, they were all applied to one loan, not divided among the 3. When I contact Navient about this error, they claim that I had to agree to each loan to be included in those programs. When I tell them that I did, they claim that they have no record of my giving them permission. I was never sent a letter confirming my enrollment, and I only ever received automatic payment reminder emails that did not indicate the amount that would be applied to my loans - just that a payment was coming up. As a result, my credit is adversely affected by late payments in XXXX. I have been told by customer service representatives that the interest on Navient private loans are determined by my credit score. It is outrageous and extremely suspect to me that each time I come close to nearly a year of consecutive payments, Navient appears to create a reason that results in a returned payment or a missed payment on my end. Missed payments have an immense negative affect on my credit score and allows Navient to assign a higher interest rate on my private student loans in the long run. When I consider the years of misinformation, harassing phone calls, exorbitant interest rates, and frustration that Navient has given me, I am shocked that they have been able to get away with what they have. Since I started paying back my private student loans with Navient, I have paid thousands of dollars in interest and questioned the legitimacy of their random and sudden capitalized interest to my original loan, and their interest rate adjustments and addition of interest to my loan with no explanation. My interest rates have fluctuated to as high as 9.25 % with Navient. The way Navient has conducted their communication and business makes it impossible for myself and other customers to ever pay off their student loans in a timely manner. | ||||||
| 05/16/2018 | Yes |
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| Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX I have filed several complaints regarding this matter and Navient continues to side step the issue by telling me there is a 3rd party involved or I do not have permission to access this account. Enough is enough, I am in fact the name on this account. I was the co-signer of this loan and the loan continues to be reported in my name and my name only. During all this time was given deferments on this loan with has been in fact documented by NAVIENT. NAVIENT Deferment documentation attached. On XX/XX/XXXX I was alerted by various credit reporting agencies that Dept of Ed/NAVIENT was reporting negative consumer information to all 3 credit reporting agencies that has a direct and negative effect on my credit rating, and has in fact caused me direct harm by reporting this false information. These negative reports made by NAVIENT started on XX/XX/XXXX and continued in various ways until XX/XX/XXXX. Had I not been made aware of this fraudulent information being reported by NAVIENT this would have gone unchecked and my credit rating would have continued to deteriorate for who knows how long. Credit Report Alerts attached. Once this was realized, I have made several calls to NAVIENT and each time was treated with hostility and total disrespect. We were told to bad thats how its going to be reported, and they refused to update and or correct the fraudulent information they were reporting, even though we had proof that this loan in question was in fact deferred from XX/XX/XXXX to XX/XX/XXXX. Deferment letter attached. NAVIENT did in fact start reporting this false information to all 3 credit reporting agencies before the deferment time had expired. We then filed disputes with all 3 credit reporting agencies and once again, NAVIENT doubled down on continuing to report this fraudulent information on my credit reporting files to all 3 credit reporting agencies. Not only is this a personal slander on me, it is by all means Deplumation of Character by their continued actions and refusing to correct their mistakes that they have continue to report and refuse to correct. Credit Reporting Dispute Results attached. NAVIENT made no attempts to contact me regarding this matter leading up to this false reporting to all 3 of these credit reporting agencies neither by e-mail, phone calls or by US Postal Service, even though they did in fact have out contact information as proved by the letter of deferment dated XX/XX/XXXX. No contact by NAVIENT at all, not once in any way shape or form regarding this matter. Otherwise this situation would have been handled by be long before they started reporting this false information that has in fact damaged my credit rating and continues to do so. Its no wonder why NAVIENT has several class actions suit pending against them with such fraudulent practices among the many others including this one outlined above. I have every intention of joining with any class action suit available to me and will further discuss this with my attorney as to what can be done to hold NAVIENT responsible for this Defamation of my character and my credit rating that will take years to overcome by this damage done by NAVIENT. I want this corrected. This false information NAVIENT is reporting is unacceptable and should not be allowed to continue this fraudulent actions by any means. XXXX XXXX CC : NAVIENT Department of Ed Consumer Financial Protection Bureau United States Attorney General Arizona Attorney Generals Office | ||||||
| 03/03/2020 | Yes |
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| My loan is a consolidation loan ... upon consolidation of several loans the final consolidation loan was split into 2 loans ( XXXX, XXXX ) ... at some point, Sallie Mae changed ownership and Navient is now the servicing company for the 2 loans in repayment ... I developed a strategy to make extra payments on principle and only apply them to one of the loans ( XXXX ) ... extra payments are made on the due date and applied to principle so that no interest is incurred This is addition to the regular auto-debit payment that occurs, which satisfies the required interest payment, then whatever is left over goes to principle However, because both loans ( XXXX and XXXX ) have the same due date, any payment recieved ( regular, or extra ) is split equally between the 2 loans. Even when using Navient 's payment tool online that specifically allows the payor to allocate payment amounts to specific loans, Navient is still not honoring the payor instructions. Navient claims that the " system '' automatically distributes the extra payment equally to both loans. Navient also says that the only remedy for the payor in this situation is to call Navient after the payment posts and speak to a customer service representative to manually re-apply those payments as per the payors instructions. Navient also states on thier hard copy statment that the payor can write a letter of instruction for application of payment and send it with the payment. But this is only for payments sent in via check, which I do not do. I do auto-debit, because I am assuming that there is a financial incentive for using auto-debit and that is my preference. I feel that Navient is not honoring the payor instructions/request for payment allocation because the responsibility lies with the payor to call and have the payments manually changed, even after providing payment instructions using the payment scheduling online tool. However, the call back process was working and payments were being applied as per the payor requests. This was occuring until XXXX of XXXX. Upon checking my balance I noticed that Loan XXXX had increased significantly. Navient had reversed the extra payments on Loan XXXX, unbeknownst to me, from XX/XX/XXXX thru XX/XX/XXXX. Upon calling Navient, I was told that the payment due dates for both loans had been realigned and that was the reason for the reversals. I did not understand the line of reasoning as the payment dates have always been the XXXX of each month since I started repayment. I was never contacted about any changes that were needed or were going to occur. So after a lengthy phonecall XXXX and going over my account transactions line by line, the customer service representative didn't seem to understand what I was talking about. Navient assured me that the payments were going to be re-applied once again and that I should see the results within 24-48 hours. This never occured. These servicing companies are playing with thousands of dollars and couping thousands of dollars in interest because of these types of mistakes. They are couping many more thousands from customers that aren't as astute with their payments and accounts as I have been. In addition, Navient is re-negotiating the repayment terms, which are very inconsistent. For example, the repayment terms have been changed 3 times in 4 months, giving me a different autodebit amount each time. I have no way of budgeting the autodebit if I don't know what the amount is supposed to be. Attached is a summary of the amounts and dates of the payments in question | ||||||
| 04/08/2018 | Yes |
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| I am writing today because a serious error was made in my student loans that has caused many subsequent errors, and I would like for this to be corrected. In the year XX/XX/XXXX, Sallie Mae mis-consolidated my student loans. Before consolidation, my student loans were 55 % subsidized and 45 % unsubsidized. However, Sallie Mae mistakenly consolidated them at 100 % unsubsidized. In the intervening years, there were numerous times when I should have been able to qualify for a deferment or subsidy, but I was unable to, because my loans were mis-allocated. Currently, Sallie Mae, now Navient, is the subject of a class-action lawsuit because they frequently steered borrowers away from deferments they were entitled to. I believe this " mistake '' that was made on my account was even one step more egregious than that, and enters into the area of possible fraud. I would also like to be added to the class-action suit, if there is any way to do that. XXXX has corrected and recalculated my loans going back to the time they purchased them ; I would like assistance in correcting my loans from the beginning and then recalculating them to remove interest that should never have accrued or capitalized in the first place. - XX/XX/XXXX/XX/XX/XXXX : I filed for unemployment in XX/XX/XXXX. I received unemployment intermittently throughout XX/XX/XXXX. I would have filed for two 6 month deferrals. Documentation : 1. A signed Work Search Agreement with the New York State Department of Labor dated 1XX/XX/XXXX 2. An unemployment check stub for benefit week XX/XX/XXXX 3. An unemployment check stub for benefit week XX/XX/XXXX Correction : At least {$1000.00} in capitalized interest, plus later interest accrued - XX/XX/XXXX : I was receiving unemployment throughout the year intermittently. I would have filed for two 6 month deferrals. Documentation : 1. XX/XX/XXXXtax return 2. An unemployment check stub for benefit week XX/XX/XXXX 3. An unemployment check stub for benefit weeks XX/XX/XXXX and XX/XX/XXXX combined Correction : at least {$1000.00} of interest capitalization, plus later interest accrued - XX/XX/XXXX-XX/XX/XXXX : I was on unemployment both in XX/XX/XXXX and XX/XX/XXXX. I would have filed for two 6 month deferrals. Documentation : 1. 1XXXX showing unemployment compensation from the State of Washington for XX/XX/XXXX 2. XXXX showing unemployment compensation from the State of Washington for XX/XX/XXXX Correction : at least {$1000.00} of interest capitalization, plus later interest accrued As you can see, I would have qualified to take all three years ' worth of unemployment deferment in the first few years of my loan repayment. Since the interest on these erroneous amounts has since capitalized, the original {$3000.00} has now ballooned to well over {$6000.00} in additional principal. I would like for the loan to be recalculated as if I had been awarded the unemployment deferrals I was legally entitled to, from the beginning of the loan, and I would like for any erroneous principal to be removed from my total balance. As a note, I also am getting together the documentation to prove I would have qualified for at least some past hardship deferrals. As you can imagine, it is challenging to find all of the necessary documentation for this nearly 20 years after the fact, so I am beginning with the unemployment deferrals. Thank you very much for your help. Case numbers with Dep't. of Education available upon request. Note : I already have spoken to the federal ombudsman and have not had success. | ||||||
| 08/25/2017 | Yes |
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| My student loan servicer is Navient and I will keep complaining until something is done with this fraudulent company or until i consult my attorney at last. I have just looked at my history and the loans i have, because they seem like they are just never ending and the amount i owe is almost the same all the time. The total amount of loans disbursed through the department of education was aprox 58,000. Ever since 2012 I have been paying on them with the help of my family and have even been and still am under the IBR ( income based repayment plan ) paying almost the same amount as you would under the standard repayment plan sometimes less sometimes more. anywhere from 250 to 600 dollars a month with the help of family. I just calculated all the payments I have made and they equal to over 15,000 dollars from 2012 to now. That is in 4yrs and 9months. During the IBR plan the government paid some of the interest on the unsubsidized loan for three years. Having informed you of all this it would make sense that after all this and over 15,000 in payments since 2012, my principal balance would be lover however i find out it is only paid down aprox. 4000 dollars meaning i still owe XXXX because of wrongful disbursement of payments and fees. Can you imagine if i wasnt in the IBR plan and my family was helping i probably would not have even paid the XXXX off since 2012 after paying over 15,000 dollars in payments since 2012. My payments are not and have not been distributed the way i wanted to. At some point you could choose and allocate or specify the amount you want paid to each loan after interest has been paid online on their website but now you can not do that anymore. Instead I had to call them each time which i did since 2012 and tell them how to apply my payment over the phone and you would just have to trust customer service after that. My payments however were not applied accordingly. The other thing is on their website it clearly informed me that i can when making a payment online " specify the amount thats allocated to each loan. '' but this is not true and is false information. I do remember of having this option before that way i do not have to call them and then or misrepresented. But I guess they stopped doing this because it would not be so easy for them to scam students either through interest or other fees. I even took a picture if this so i have it as proof in case they remove it from their website. First I thought it was my university financial aid that might have messed something up but then I realised that XXXX/Navient is behind all this. Just imagine. How can it be affordable or logical for students to get an education and trust these people with their finances and many stories like this out there? USA, Navient, this is not what education is about. Education is not about making a business and meanwhile scamming students. Education is about learning and giving people an opportunity to better their life not make it worse and impossible to pay off a " student loan ''. I have also asked several times for interest reduction and I was told that it is congress that sets that and I can not get current rates and only those rates that were available when I first started school. My interest rate is aprox. 6.6 % with automated payments and my mother is paying her car loan at 0 % and her house at 3.4 %. Last time I talked to customer service i was told that I should write to congress instead. I will also do that but. I think I will also be talking to my attorney next time and nobody else. | ||||||
| 08/16/2016 | Yes |
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Web | Servicemember |
| XXXX CFPB, This is a somewhat complicated situation. I 'm a member of the Hawaii XXXX XXXX XXXX and have been XXXX for military XXXX of various time lengths in the last couple of years. My civilian job has been very helpful and has worked well with me and my family with the transitions, up until this point, that is. The attached documentation is in chronological order and I will try to explain it in this letter in the same manner. The first letter I received was dated XX/XX/XXXX and it is telling me I have a debit of {$1700.00} in unpaid health insurance. I elected to pay for and maintain my civilian coverage while on XXXX XXXX to allow my family to keep our same providers and use my military insurance as secondary coverage. It states in the letter that my payments are scheduled to be taken out of my check and that I would maintain the pretax benefit with that. I elected to let that procedure take place as outlined in the letter. I was back at the USDA from XXXX until XX/XX/XXXX ; I then went on XXXX XXXX for XXXX more weeks from XX/XX/XXXX until XX/XX/XXXX. I then returned to the USDA on XXXX XXXX XXXX and stayed there until I was activated on the orders that I am on now ; XX/XX/XXXX until XX/XX/XXXX. XX/XX/XXXX I received the attached letter from the Treasury Dept. that stated I owed {$660.00} and listed a website and a telephone number. The website seemed suspect to me and was asking for all my personal information, so I called the phone number on the letter and left messages there, with no response. The letter also stated on the top my debit was {$660.00}, but at the bottom payment coupon it says I owe {$850.00}. I contacted my supervisor at the USDA and he contacted one of the USDA PR personnel that are located in XXXX. They both advised me to wait until they checked it out to make sure it was legitimate. Next, I received a phone call on my cell phone from Pioneer Credit (? ) asking if I was who I am, what was my birthdate, address and last XXXX of my SS. Of course I was very wary of answering, but then he told me my last XXXX! He wanted me to send them a copy of my orders and I told him the USDA had copies of my orders and if they sent him to me, they can give him copies of my orders. This is what rekindled my efforts at finding out what is going on, so I contacted my USDA Supervisor and the USDA PR person. The PR person sent me the information attached dated XX/XX/XXXX that outlined my medical insurance payments and what is still due. On page XXXX it states I owe a principle of {$630.00}, interest of {$2.00}, a penalty of {$6.00} and administrative costs of {$30.00}. After I obtained this information I mailed a {$500.00} check to the Dept. of the Treasury in XXXX XXXX with the attached XX/XX/XXXX letter. I will mail them the remaining amount when I find out if I am liable for the full amount. This brings me to one of my questions ; Am I responsible for the interest of {$2.00}, a penalty of {$6.00} and administrative costs of {$30.00} or does the Servicemembers Civil Relief Act allow for these charges to be waived because they were incurred while I was on military duty and they are trying to be collected while I am again on military duty? But the main reason for my contacting you, is that I visited my banks yesterday and was told that this incident is appearing on my credit report and causing damage. Again I need to ask ; does n't the Servicemembers Civil Relief Act prevent my credit from being damaged because of this? Please let me know if you need any more information. XXXX | ||||||
| 08/26/2015 | Yes |
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| Navient began harassing me for payment on my student loans XX/XX/XXXX after I attended XXXX University. I was unemployed without a degree, as struggles during the Recession prevented me from finishing school. I paid as much as I could, and on multiple occasions they took money from my bank account without permission. Then they went after my credit score, and soon it was so low I could not get a job at all. I neglected basic needs, including rent and medical procedures, for years to keep Navient from enacting the consequences they consistently threatened. They called me XXXX times a day, but failed to provide any helpful information to improve my situation. When I was finally able to finish school through other forms of aid, Navient refused to fill out important paperwork and it nearly cost me my degree, but miraculous circumstances allowed me to finish despite their interference. I was then able to find full time work, but still depended on welfare. Consistent income allowed me to enter into a payment plan with Navient, but after a year I noticed my balance was the same. Navient refused to explain this discrepancy, send statements or take my low income into account. They also adjusted my balance history several times without notifying me. This prompted me to take action, and I spent months researching my history with Navient and creating spreadsheets to calculate what they had done to me. I discovered that what they were reporting to the IRS was inaccurate, they had failed to disclose vital terms of programs I had entered, and other despicable practices specifically designed to perpetually keep me in debt. I had borrowed {$33000.00} and paid off over {$10000.00} but my debt had still grown to {$48000.00} in a just a few years. It was at this time that Navient raised my payment from {$330.00} a month ( XXXX my income XXXX to nearly {$600.00} without explanation. In analyzing my circumstances, I discovered that my life was never going to be stable if I continued to make increasing payments to Navient, but I had a decent shot if I reduced my payments began to save and take care of myself. I notified Navient that I would be paying them {$90.00} a month until my circumstances improved, and they continued to raise the payment and attack my credit score, dropping it over XXXX points in just a few months. They also adjust my delinquency time and amount to whatever benefits them the most, but deny this when confronted. I 've documented every single phone call, and they consistently refuse to help me. I 've been told on multiple occasions to stop calling because I am a waste of their time. They continue to harass, and have sold my information to marketers despite my legal demand that they do not. I 'm facing my responsibility, but am now beyond the scope of advice the financial advisors I 've consulted can offer, but they could agree that paying Navient less would be a wise decision. In the last XXXX months of this, I 've become stable, healthy and financial sound for the first time in my life. This has not affected my loans held by the Department of Education, as they have been in good standing for years and are set to be eliminated in XXXX years through XXXX XXXX Loan Forgiveness. It is amazing the difference a cooperative lender can make, and how Navient can use the same circumstances to completely ruin a life. I do not know what else to do. XX/XX/XXXX I filed a complaint with the CFPB that Navient immediately dismissed. Currently, I am days away from defaulting on {$50000.00} in loans. | ||||||
| 02/14/2019 | Yes |
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| I've already disputed the inaccurate information through the credit bureaus and also directly with Department of Ed/Navient. Department of Ed/Navient received all six of my disputes sent to them via certified mail on XX/XX/XXXX. Still, to date inaccurate information continues to report on my credit. Navient 's response to my dispute did not address my concerns. Department of Ed/Navient continues to misreport 6 accounts on my report. The reporting shows that these accounts were 90 days late on XXXX of XXXX. It is not possible to be 90 days late, without first having a 30 day late, a 60 day late and then a 90 day late. The FCRA requires a furnisher to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the inaccurate information. There were six certified mail letters with tracking numbers listed below, and thus six opportunities for them to fix the errors. XXXX XXXX XXXX XXXX XXXX XXXX Attached is a copy of the XXXX inaccurate accounts reporting on my credit file. In light of the recent court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, XXXX Vs. XXXX XXXX, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. Furthermore the response Navient sent to me dated XX/XX/XXXX stated Attached is the payment history of your 50 most recent transactions. This did not address my dispute of the 90 day late reporting that supposedly occurred on XXXX of XXXX. I did not ask for a recent payment history. I am disputing the inaccurate reporting that occurred on XXXX of XXXX. What I expected to received was documentation showing such lates and an accurate reporting of what transpired. In addition the 50th most recent transactions provided by Navient did not include the transactions around the XX/XX/XXXX time frame and was therefore completely and utterly useless ; and therefore leads me to believe once again that Navient did not read my dispute and certainly didn't address my concerns or the damage to my credit file. Navient response states that this delinquency occurred prior to the forbearance but again provided no evidence, nor did they provide an explanation as to how the 90 day late report can appear on my file with no corresponding 60 or 30 day late. In their second letter responding to me also dated XX/XX/XXXX they state as follows : Although a deferment or forbearance applied to your account resolved your past-due status, the delinquency reporting you want removed occurred prior to the deferment or forbearance start date. Therefore, the delinquency information was accurately reported to the consumer reporting agencies. In the above statement Navient continues to confirm that the reporting is correct, which as I've clearly mentioned in my dispute how is it possible to report 90 days late, without first being 30 days late, then 60 days late and then 90. My dispute is in regards to the accuracy of what they are reporting. Navient was in receipt of my dispute on XX/XX/XXXX ; they've had well over the 30 days as required by the FCRA and per Nevada law to fix this reporting and have failed to do so. I request removal of the inaccurate 90 day late reporting from my credit reports as outlined in the FCRA. | ||||||
| 12/28/2020 | Yes |
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| Navient is incorrectly reporting late payments on my account to the credit bureaus. The reported late payments which are incorrect are damaging my credit score, causing me financial harm, and preventing me from establishing stability ( housing + employment ) in my life. I am homeless. Navient was previously reporting a default on my account. I filed a complaint with CFPB. Navient corrected the issue by emailing me an income based repayment form. Prior to the late payments I was also on a $ 0 monthly income based repayment as I was homeless. I submitted the documents Navient requested. Now this is where my complaint is on going. Navient customer service rep # 1 said there is nothing they can do to help me delete the error. I spoke to 3 customer service reps. Finally one gave me information that sounded helpful. He said verbally over the phone that I had to submit the income based repayment form with documents. I had to wait a minimum of 6 months for the account to get back in good standing. Then after that time period I would have to write a letter requesting deletion of the late payments, all this with supporting documentation. I sent Navient a package of documents certified mail. No response from Navient. I called and a customer service rep said they never received my package. Navient is reporting late payments to the credit bureaus which is harming me financially and emotionally. I cant get back on my feet due to this error. My credit score is harmed which is preventing me from getting stable housing. All during a stressful period of COVID which finding housing even shelters is very difficult. Since 2009 Ive been a victim of crime twice. First time I was a victim of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Second time was own family member ( XXXX ) upon release from prison stole my social security number and banking information and committed identity theft against me. Both these incidents I am still dealing with today. My contact address for Navient is also the address on my real id which Navient also has is the department of social services. The reason my address is the social services address is because I am homeless. Ive been receiving food stamps and general assistance for years. During the reported late payments I was homeless, I was seeing XXXX, XXXX, and doctors. All due to XXXX XXXX XXXX from the attack XXXX XXXX. I dont have a college degree. I dont have support from anyone. So with my credit score being impacted by this error it is causing me severe harm. I submitted online the same documents I mailed Navient via certified mail, the same documents the Navient customer service rep said they never received. If you look at my account you will see prior to the late payments I was on a $ 0 monthly income based repayment plan. After the reported late payments I was also on a $ 0 monthly income based repayment plan. The late payments Navient is reporting is incorrect. Nothing changed only Navient is incorrectly reporting my account with late payments during a time period when Ive been homeless and receiving food stamps and general assistance. This has been an ongoing issue with Navient where I am being given the run around by customer service reps. No one is helping me. It is unfair to me to be suffering on top of everything Ive been through, to be suffering even more financially due to an error that has yet to be corrected. I am asking Navient to review my account history, documentation which includes police reports, and correct this error. | ||||||
| 05/23/2017 | Yes |
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| I have been struggling with private student loans that were initially given to me by XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX, and now are being serviced by Navient, with what would be almost {$2000.00} a month for a minimum payment. I am still in good standing as I have n't defaulted from my private student loans as I want to honor my agreement, but I have been treated very unfairly. I have always been an XXXX and was sold into the dream of making a living as being an XXXX. I was initially given the first loan for a private XXXX college, when I was XXXX years of age, with no credit ( not bad credit ) but no credit really established. I was sold on the romantic dream of being a successful XXXX, and that going to college was the best way to do so. XXXX XXXX was the only one that I found that was willing to give me loans for most of my college costs, which by the time I graduated in XX/XX/XXXX, I had {$90000.00} or more of student loan debt accumulated. I am thankful for the opportunity to attend such a nice school, but I know very well now I never could have afforded it. Since then, my private student loan total has compounded to over {$150000.00} in debt. The interest ranges from 6.5 % on one loan, from 10.5 %, and 15 % on the largest loan which is now over {$55000.00}. There was a point a few years ago, shortly before XXXX XXXX transferred my loans to Navient, that I let my loan payments go because at the time the minimum amount was {$1300.00} + per month, and I was working a {$13.00} an hour job. I could n't save money for the future, I could n't afford healthcare, and could n't really do anything extracurricular as I had no discretionary income. Then they offered me what they called 'rate reduction plan ' a month before I would have defaulted, whereas it brought my loan interest down to 1 % temporarily so I could try to get a better paying job. They never offered this option to me before, as I was always in communication with them that I could n't afford my payments. I was always in good standing other than those few months where I just could n't do it any longer. That only lasted so long, until that program stopped, and my payments were almost over approx. {$1500.00} per month. I am newly married, and recently enrolled back into a community college, which is much more affordable, and my wife and I have been working very hard to pay out of pocket as I am hesitant to ever take out loans ever again. I am going back to college in the hopes of making a better profession as a XXXX XXXX and try to be able to pay my loans monthly and also make a living. In the meantime, my loans are in deferment, but my private loans are growing exponentially due to the unfair interest rates, and Navient does not want to offer me any reasonable reduction. I have tried everything from constant communication, to random companies, and up until now I just saw that there was a large lawsuit against Navient and saw an article of another young woman that seems to be in a similar situation as myself. I believe I fall into that category of being wronged, and that Navient could and should give me a reduction in interest, as well as lower the total amount that has almost doubled since graduating. I believe I should pay back what I foolishly agreed to, and a company is entitled to earn some interest off of it, but what they are doing to me is suffocating. The main reason why my wife and I have n't started a family is that I refuse to raise children in poverty, because student loans have literally enslaved us. | ||||||
| 07/04/2023 | Yes |
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| I am reporting XXXX XXXX of Navient for two separate instances I dealt with on XX/XX/XXXX. That morning when I came into work, my manager had informed me there was a form my HR representative, XXXX, had received for me to fill out. Upon looking at it, it was a verification of employment form. I was confused because typically with a VOE it was my understanding that that is completed by HR and sent directly back to the debt collector, so I went upstairs to talk to XXXX. She advised me that the way I thought was typically how a VOE does work. She said however the form was unusual in that it was addressed to me the employee to complete, and not addressed to HR. XXXX called the number Navient provided and she said she spoke with a woman ( she didn't say whether it was XXXX just a female ). The female representative told my HR that I had talked to Navient and requested they fax that VOE over to my employer so that I could fill it out and send it back to them. I informed my HR that that conversation never happened. I had never spoken with Navient about a VOE nor requested for them to fax that form to me let alone my employer. The representative blatantly lied. I feel this falls perfectly under the definition of deceptive practices as outlined by the FDCPA and Frank-Dodd Act. Later that day I was talking to my Mom who is the co-signer for my student loan. She told me she spoke with XXXX XXXX that same day and revealed that on that phone call XXXX had threatened her saying, " Do you know what they do to teachers?!? ". My Mom was very shaken by that and I advised her that under the above mentioned debt collection laws, that falls squarely under abusive language. From my understanding XXXX is a manager at Navient, which is extremely alarming because she most likely is training people under her as well to use these deceptive and abusive practices. As a whole, I have had a very negative experience with Navient ever since I started paying them. In these last several months I had gotten behind on my payments in Fall of XXXX and was making an effort to keep up. Each month they would send me a letter stating " X amount is due to avoid default '' and I would find a way to pay it. I believe it was in XXXX of XXXX, the letter I received was asking for about {$90.00} to avoid default. I paid about {$200.00} thinking that would help me get back on track. However the next month, Navient 's next letter said I had to pay at least {$350.00} or so. It seemed odd that it would be so much higher after I had already paid over the minimum the previous month but I still paid it. Every month after this the amount went up as I kept making payments until they were asking for about {$1000.00} a month to avoid default. This was over the course of maybe 5 months and I couldn't afford these payments any more. I made these payments directly to Navient through their website and had them auto-allocate the payments. It doesn't make any logical sense why the payments would increase each month so drastically when I was paying exactly what they were asking if not more. The only thing that makes sense to me is that I was paying it so they decided to just keep raising the amount. There was no rhyme or reason to the amounts on the letter. Navient has done many things to me over the years that have felt shady but these two experiences with the VOE and XXXX XXXX threatening my Mom were really the cherry on top. If they are using deceptive and abusive practices with me, I'm sure it is happening to other consumers as well. | ||||||
| 11/29/2017 | Yes |
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| COMPLAINT AGAINST NAVIENT I contacted Navient on XX/XX/XXXX to request a loan modification to lower my monthly payment from {$720.00} a month to a payment I could afford. I contacted XXXX XXXX a few months earlier and they modified my monthly payment for the next 24 months. Myself and my co-signer were asked to provide a financial statement to Navient. Based on the information I provided, I was denied. The representative from Navient stated that I could afford the monthly payment and would have over {$800.00} of disposable income left over. I knew their calculations were incorrect. When I discussed this with my parents, I realized that I provided my gross income instead of net income. My Mother, who is authorized to discuss my Navient account on my behalf, called Navient back again on XX/XX/XXXX and asked to speak with a supervisor to explain the information I provided on the previous call was incorrect. The supervisor stated he looked at the notes and the previous rep asked me numerous times if the information I provided was accurate and I replied " yes ''. The supervisor stated that this was a cause for concern and it raises a lot of red flags. My Mother explained that I confused the gross and net income terminology and that documentation could be provided to support what I said to be true. The supervisor asked for 3 months of paystubs and bank statements from everyone concerned. My Mother told the supervisor that Navient would receive information for me and my Father ( co-signer ), but we would not be providing the financial information for my Grandfather ( co-signer ), since he is XXXX and on a fixed income. The financial information was uploaded on to the Navient website on XX/XX/XXXX. I received a confirmation email stating that I would hear back from Navient within 3 buisness days. When I did not hear back from them on XX/XX/XXXX, my Mother got concerned and called Navient on XX/XX/XXXX to request forbearance. I want to also explain something else that occurred during this whole exchange with Navient. My Mother and I do not have any confidence in Navient and was not convinced this matter was going to be resolved by the payment due date of XX/XX/XXXX. While she was still speaking to the Navient supervisor on XX/XX/XXXX, she requested forbearance. The supervisor never explained his department was unable to process the request since I was not past due yet ( we were told that by another Navient rep when we called back ) nor did he ask me if I wanted be transferred to the department that could help with the forbearance request. The Navient supervisor gave me the impression I was not eligible. After not hearing anything back from Navient on my request for a loan modification, My Mother called Navient back on XX/XX/XXXX. She was told the document presented was received but there was no other information regarding the request. I have to call them back to discuss. I did not receive an email, phone call or letter in the mail to contact Navient to discuss my request. If my Mother did not call them for an update, I would not have known. I am not trying to walk away from this debt. I am trying to be responsible and pay back my loans but Navient does not seem like they want to help me. Multiple Navient reps have stated Navient does not provide loan modifications and they do not understand how XXXX XXXX was able to provide one to me. I can not afford the minimum payment and father can not afford it either. My sister is a XXXX XXXX and he is trying to help her financially as well. | ||||||
| 04/15/2019 | Yes |
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| I originally took my loan out with Salle Mae back in XXXX. A few years ago, Navient acquired the student loans from Salle Mae. From day 1 they have been a predatory lender : the only give you half the information you need, and only AFTER you need it. I have spoken with their representatives over the phone on multiple occasions and each and every time I get different information. A year ago I found myself delinquent on my loan. I was a current student and upon receipt of the email notifying me that my loan was coming due, I responded that I was a current student ( like I have every semester ) and that the loan should be in an " in school deferment '' status. No response was ever received back ( I never received one in the past ) so I assumed that things were proceeding like they had every other time. Only after my loan was past due by 3 months did I start receiving phone calls from Navient. ( up to this point, no notification was received about the past due status : not by mail, not by email and no statements ) I was advised that my in school forbearance had run out and that was the reason my loan was now delinquent. ( Keep in mind that I received NO notification that there was a limit to this type of forbearance, or that I had exhausted it ) After several negotiations and speaking with multiple representatives, they finally agreed to put my on a payment plan ( something that I had previously been told I did not qualify for ). As the payment plan came to an end, I once again called Navient to find out what my regular payment amounts would be. I was advised t hey could not give that to me until the last payment of the program had been made. I called back when that payment had been made, and I was told that they could not give me the payment amount until the account had cycled. I called back on the date that I was advised the account would cycle and I was told I had to wait until the first day of the next month otherwise I would have to make 2 payments in the current month. XX/XX/XXXX I called Navient to find out what my current loan payment would be. Between my wife and I we work 3 jobs and we live on a budget - so this information was crucial for us to have. I spoke with a representative who offered a payment program that lowered my payment. It is still higher than really works with our budget, but I was told that there were " no other options '' to bring the payment lower. I agreed to the program, AGREED TO AUTOMATIC PAYMENTS, and was advised multiple times that I needed to check my account every 3 months to ensure that my automatic payments were covering the full payment amount because it could go up at anytime. ( If I'm on automatic payments, shouldn't they also adjust with the loan payment?!?!?!?!?!? ) So imagine my surprise today when I received a statement from Navient indicating that my loan was PAST DUE and that on XX/XX/XXXX I owed a payment of approximately {$16000.00}! When I called I was advised that this is how this payment program works, and for the next 3 months my loan will be considered past due/delinquent and there was NOTHING THAT THEY COULD DO TO change/prevent that. This is predatory lending in every way shape and form - they give you part truths and withhold critical information during the decision making process in order to trick consumers into going into a delinquent status so they can collect additional interest/late fees. Additionally, because my loan is now in a " delinquent status '' I CAN NOT refinance it with another more trustworthy company. | ||||||
| 05/08/2017 | Yes |
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Web | Servicemember |
| On XXXX XXXX , XXXX , I got call from NAVIENT SOLUTIONS , LLC . I had not heard from them since before my XXXX , and they told me that I have XXXX loans with them. They provided me with information on XXXX of the loans, but stated they could not talk to me about the XXXX loan because they said I have an Attorney assigned to handle it. I never even knew there was a problem with the loans because I thought they were under a military deferment. I have never even spoken to an attorney in reference to these loans and I have definitely not retained one for representation. They told me that XXXX of the loans are currently in the hands of XXXX XXXX XXXX XXXX XXXX XXXX , XXXX a debt collector however that Law Office s aid my loan was sent to a Collection Agency called XXXX . I was n't aware of this Loan increasing in interest because I am on XXXX XXXX Orders due t o my XXXX in XXXX of XXXX to current and protected by SCRA Benefits. I was injured during my XXXX and I am currently assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a XXXX XXXX in XXXX XXXX XXXX , NY. I know I 've submitted my XXXX Orders before my XXXX to all the agencies that needed to know that I was n't going to be in the country. As a XXXX XXXX I am trying to rehabilitate and transition to going home to m y Family. T his situation has added more XXXX into my life. I do not believe the actions of NAVIENT SOLUTION S, LLC a re IAW with my rights under the SCRA. I am suspicious because NAVIENT SOLUTIONS, LLC will not provide me with details in reference to my accounts with them and I believe that I entitled to full disclosure including proper answers to my questions about SCRA benefits. I am willing to do what it takes to rehabilitate my accounts once my rights under SCRA h ave been applied and any negative credit reporting action is cleared up. I will set up a payment plan with them if they are willing to work with me on a payment I can afford. I am about to face XXXX XXXX from the military and my income will be drastically reduced. My plan is to use my XXXX XXXX XXXX XXXX benefits to pursue a XXXX 's in XXXX . However, during a recent phone call, I felt like I was coerced into agreeing to make payments that are far outside of my financial means at this time. I would like to request the assistance of CFPB to get full disclosure of information on all of my loans through NAVIENT SOLUTIONS , LLC . I would also like to ensure that SCRA protections ( including reduced interest and deferment of payments ) on all of my loans are applied retroactively to the first date I was placed on XXXX XXXX orders under Title XXXX . I would like to see any and all negative credit reporting removed from my credit reports with all XXXX credit bureaus as well. Since the initial cont act, NAVIENT SOLUTIONS, LLC has repeatedly s ent me emails and contacted me about setting up a payment plan for these XXXX loans. The website that I have to make payments to is XXXX XXXX I have n't made any payments because I am uncomfortable with NAVIENT SOLUTIONS , LLC . processing my Loans, especially with them telling me I have an Attorney that is overseeing XXXX of my Loans. As a XXXX XXXX and XXXX Veteran I have a suspiciousness and uneasiness that I feel with NAVIENT SOLUTIONS , LLC . needs to be addressed. If you need provide any documentations please let me know via email. | ||||||
| 02/01/2020 | Yes |
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| I have asked by phone and in writing by certified mail for complete list of loans, copies of the promissory notes and complete accounting of the loan. I was told to file economic hardship with IDR and that each year would need to refile and they would send me notice of this to be done. I had in writing stating I do everything by XXXX, mail, NOT by email or website or by phone. I told them my identity had been stolen years ago and do not agree with the amount of loans. I also informed them that I had a XXXX and was making limited income and was self employed. In XXXX I received notice that I hadn't made payments when this was placed in the IDR and my payments were {$0.00}. I called and asked to have what I needed to file mailed to me. I received it and completed the required documents and mailed them back. I was told I would received notice if they did not received my paperwork by set date. I received nothing but letter stating again that I had payments of {$0.00}. The beginning of the month of XX/XX/XXXX I find out that I have missed payments. I had to borrow a friends laptop to go online to create a account with NAVIENT to find out what was going on and that they were sending notices to and old email I don't use and not by Mail as I requested. I called and was given rude comments about my loan and that payments required. I again explain I am self employed and do not make enough to make payments. My payments are over {$490.00}. I than send another certified letter with the completed paperwork requesting a XXXX XXXX XXXX XXXX. I could never get a clear answer what would be best for me to file. I also requested again the complete list of loans, copies of the promissory notes and complete accounting of the loan. I sent this by certified mail and also FAX it to them on XX/XX/XXXX. I also stated again that are not to call the phone number listed for it is my parents number and they are elderly. From XX/XX/XXXX to this date they have received over 5-8 calls a day and these calls begin from XXXX am/Arizona time till XXXX. They have answered and told NAVIENT to stop calling. I have told them to stop calling that I do not do anything over the phone do to fraud and I do not trust them to provide what they state is true. That I want all statements in writing. Yesterday, I received from NAVIENT two letters stating they can not process my requests for they need additional information. They need forms/documents of income proof ( basically my taxes ). I do not mind providing this information but I provided it at the beginning of the year XXXX, again in XX/XX/XXXX, which is were my information they either misplaced or as they claim I did not sent. I am sending them my XXXX taxes again, and certified by mail, again. Which is extra hardship for me. I do not trust NAVIENT, for I have ask for proof of loans and documents and they haven't send me but copies of unreadable documents and they have signatures that are not mine. There is so much more to this but I don't believe I have enough space to write it. Also, NAVIENT, has threaten me with Garnishment and that they will collect any of my Tax Returns. I have explained to them that I'm self-employed there is no employer and I used my Tax Returns for savings for those things that could happen. I will be honest, I'm XXXX old, self-employed due to my health and there will be no way I will ever be able to pay my loan of. I would love to be able to do a job that would pay me high wages and pay my loan off but I did not expect to have a XXXX at XXXX. | ||||||
| 07/15/2016 | Yes |
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| XX/XX/XXXX, we applied for a tuition loan to help pay for our son 's college tuition. The loan was through XXXX XXXX and was a Federal Plus Loan. After 1 year, we decided to pay off the loan, as the interest rate was insane. XXXX XXXX, the loan was paid in full. About XXXX XXXX, we started getting phone calls about an outstanding student loan from Navient. Never having heard of the company, and knowing the student loan was paid off, we thought the calls were a scam. After a year of receiving these phone calls, I decided to confront the callers with the documents showing the loan was paid in full. A month of phone calls later, and many conversations with different entities/companies, of which I never got the same person twice, I find out that there was an additional " student loan '' that gave {$3500.00} DIRECTLY to our son, via XXXX checks from XXXX XXXX. He thought that was all the loan we qualified for, so he cashed the checks and used them for books, lab fees and living ( food, dorm charges ) expenses. No one told us he received the money, and it was not included in the pay off amount we received when we wanted the payoff amount. He graduated in XX/XX/XXXX, and then the collection calls begin, to OUR home, not his. It appears the Parent Plus loan we received also gave a chunk of money to the student to do with what he pleased -- never indicating to the parents that the student was getting cash. Once our son graduated, the loan required payments be made ; but for 8 years accrued interest, with NO ONE INFORMING US THERE WAS A LOAN OUTSTANDING. We were under the belief that we paid the loan in full. The loan began with XXXX XXXX who, XX/XX/XXXX, decided to get out of the federal loan business, and returned the loan to the Department of Ed. They, in turn, sent it off to XXXX (? ), who I still ca n't identify ... .who, in XX/XX/XXXX, sold it to Navient. All this transpired WITH NO COMMUNICATION TO EITHER OUR SON OR US, ABOUT ANY OF THESE TRANSACTIONS OR OUTSTANDING DEBIT OWED! The original paper work we completed has our current address on it and we have not moved in 26 years. Our son lived in the dorm for 2 years, then moved to a house for 6 and never received any notification of an outstanding loan. No wonder student loans are never paid off -- the students do n't even know they exist! AND, who is going to stop the vicious cycle because there is interest being accrued on the loan amount? Why would any company want the loan paid off early, and receive less money? I have since paid the loan off, and hope that other parents do not fall into the same dark hole we did, not knowing that the tuition loans the parents applied for, can give money DIRECTLY to a college student without the parents knowing, and place the students in a ridiculous amount of debt before they even earn their degree! I still can not believe no one, at anytime, from any company, tried to contact us regarding this loan! In addition, on one phone call to Navient, I wanted to make a payment to show good faith. A rather large payment. I was told, since the loan was in 'default, ' they could not take the amount I wanted to pay, but could only accept the amount that was 'back owed ' ( or the outstanding interest ) for the past year. I paid that amount, but again, the loan accrued interest based on the remaining balance owed -- which would have been about half, IF they would have accepted the amount I wanted to pay. Again, the company gains more money via interest accruing, because of the larger, outstanding balance! | ||||||
| 04/21/2020 | Yes |
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| I am a XXXX for XXXX XXXX member, who partners with XXXX. As an XXXX member, I am entitled to two years of forbearance for my student loans. I originally sent a forbearance request through XXXX in the fall of XXXX. I was not informed this forbearance request was not received by Navient. In XX/XX/XXXX, they started adding delinquency charges to my account. Absolutely no attempt of contacting me directly regarding the payment of my loans was attempted. During the time these delinquency charges were being added to my account, I was not checking my loans because I was under the impression they were in forbearance. When I learned of this issue in XX/XX/XXXX, after receiving notification that my now horrible credit ( credit I believed to be quite good in the 700s was now in the 400s ) disqualified me from an apartment. I immediately contact XXXX and Navient about the issue, which allowed my forbearance to start for the second year. I was instructed by two different Navient employees that with evidence from XXXX and a formal inquiry, I would be able to remove the delinquency charges and fix my credit score. Then I received notification it would not happen. I reached back out to Navient in XX/XX/XXXX. The person I spoke with informed me that there was a mistake in the filing of my request and a blanket response was sent out. He told me they probably did not look close enough at my case and he would resubmit my inquiry, ensuring me this time it would be fixed because of the way he formatted the request and to hold tight for a few months while I waited for a response. On XX/XX/XXXX I contacted Navient again. The person I spoke with was disrespectful, awful, and plain rude. He informed me I had been lied to back in XXXX and the status to my inquiry was denied. I asked him why I never received notification of this decision and was told " oh yeah, it says you a message was not sent to you about this. Sorry. '' After additional rude, hurtful responses from this employee ( who I was only told would have a 'talking to ' about his behavior on the phone ), I was transferred to the supervisor. Then I was told that with her " deepest apologies '' I had been given misinformation, misguided, and lied to by the previous Navient employees I had been speaking with for the past 6 months. She informed me that actually the " type '' of forbearance I was under was the rare kind that would not allow retroactive fixes to credit reports and that she would make sure to check-in with her employees so they know that moving forward. She told me there was absolutely nothing could be done despite the fact that I had proof I was truly in a forbearance program for the entire time they were reporting my loan accounts as delinquent. Navient has been absolutely awful about communicating SERIOUS issues with people 's accounts. If Navient had been a more caring, responsive group of people, perhaps I would have had an email about dangers to my account so I could have addressed them sooner. Perhaps if decent people worked there and genuinely cared about helping people, I would not have been lied to for 6 months. Now I am convinced that I should just call daily in order to get ahold of someone who might tell me the truth and fix my credit score. It's amazing they can destroy a credit score in 6 months, take 6 months pretending to " help '' by lying to the constituent, and then in 6 minutes inform you they did not send update messages, you have been lied to, and nothing more could be done. What an AWFUL company thus far. | ||||||
| 05/30/2018 | Yes |
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| From XX/XX/XXXX until XX/XX/XXXX, the total amount that I had borrowed from Sallie Mae totaled {$64000.00}, over six individual private loans ( with the average interest around 8.5 % ). I graduated college in XX/XX/XXXX and after the " recent-graduate '' allowed deferment period, I began making routine payments on the loans. In XX/XX/XXXX, I called Sallie Mae to see if I could remove my co-signer off the loan and just have the loans in my name. They instructed me that the only way to do this was to consolidate my loans with myself as the sole borrower. I contacted several other lenders to see if I could consolidate or re-finance my loans at reasonable rates ( under 7 % ), but none would touch them since they were private and not federal loans. With no other option, I went ahead with the consolidation with Sallie Mae. At this point in time I had already paid {$1900.00} toward the initial loans. They raised my interest rate to 9.75 % and tacked on an additional {$10000.00} in fees & interest. My new loan balance was now {$73000.00} Again I began making routine payments on the loan. Things were going smooth for the most part. Sallie Mae even worked with me to get me into a program to reduce my interest and I saw my principal balance start going down. There were several different repayment options that were made available to me to choose from. My loan was in good standing when in XX/XX/XXXX, Sallie Mae turned over/transitioned my loan over Navient. Shortly after they took over my loan, I was removed from my automatic payment program that I was enrolled in with Sallie Mae. I called to try to make arrangements with them directly because the nearly {$700.00} that they raised my monthly payment to was astronomical and I physically did not have the income to afford it. I was confronted on the phone with hostility and combativeness by several agents when I was trying to make arrangements. I contacted a non-profit debt relief agency who managed to get me into a 13-month program to have {$370.00} a month withdrawn directly toward my loan. After this period ended in XX/XX/XXXX, the debt relief agency said I was denied for extension when they tried. I again called Navient to resolve the issue and see what my options were. I was refused extension and not given any alternative program to make payment. The agent on the phone was rude and curt. When I asked about settlement options she said " You can settle by paying us what you owe us '', then followed it up by saying that my only option was to " default on the loan and be put into their Default program ''. When I asked for a detailed report of how much I paid on the loan from inception I was denied. She told me my loan payments would go back to $ XXXX/month immediately. After 3 months of not being able to make payments, they sold my debt off to a debt collector. The collector said my balance owed was over {$80000.00} and had no detailed information on my account. Since then the debt has been written off and sold 3 times over. My records indicate that since XX/XX/XXXX, I have paid {$46000.00} ( {$1900.00} + {$44000.00} ) toward the initial loan. Currently the debt is shown as closed and written off on their end. But they continue to report monthly on the loan as LATE, which has driven my credit score down 200+ points and made any type of settlement or refinance impossible. Either there needs to be a more accurate amount of remaining balance owed or this needs to be stricken from my report. This is extortion in every sense of the word. | ||||||
| 12/15/2018 | Yes |
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Web | Servicemember |
| I started attending XXXX XXXX in XXXX and graduated in XXXX. When I graduated I started getting Bill 's sent to me for repayment of my student loans. I did not have a job and attempted to contact Navient, Sally Mae at the time, to ser up a payment plan. They told me I had no options except to pay nearly {$800.00} per month on my loans. I could not afford that. I then found out about the forbearance option through my own research. I called Navient and they put me on the program. I did not know it lasted only one month. They said it lasted a year and then I could renew it for up to 5 years. In the meantime I had no idea that I had a private loan. XXXX never allowed me to do any of the funding paperwork and made me believe they were actually trying to help me. I rarely even signed anything and when I did it was on an electronic pad and I never saw the document ; they read it to me. In XXXX I realize I had private loans because they showed on my credit report. I was regularly dealing with my federal loans by begging to some sort of plan to pay them off. They never offered me anything for my federal loans except for forbearance. In XXXX I hired student loan company to help me sort stuff out. The private company told me about income driven repayment and walked me through how to sign up. When I realized my private loans in XXXX they were already sent to a collections company. Navient refused to provide me with any information on the company. In XXXX I found the company ; XXXX XXXX. They told me that if paid {$1000.00} they would lower my interest rate from 13 % to 0.01 % and then I'd have to pay {$120.00} per month. These payments reflect on my Navient account yet Navient has refused to help me and has refused to report on my credit report that I've been paying every month for years now. Each private loan was initially {$6200.00} and because of Navient lacking in communication with me, each loan jumped to over {$12000.00}. I am still paying {$120.00} per month and my private loans are now {$6200.00} and XXXX and {$290.00} I'm late fees on each. My credit is poor because they refuse to explain my options to me. My federal student loans should not have been approved in the first place as I had a large amount of grant money for being a single teenage mother with very low income and living alone. I consolidated my federal loans but on my credit report it shows my loans as being " charged off '' with the charge off amount and then it shows my consolidated loans which are in good standing. I've asked Navient to remove the negative marks on my credit reports in good faith because I have maintained payments for several years now. They either tell me no, or don't respond to my inquire all together. I am facing homelessness because those negative marks are creating massive issues on my credit report and are stopping me from buying a home or moving up in my current organization. Navient has caused me and my family extreme distress with their lack of communication, refusal to provide information on services they offer that would have helped me and their lies in regards to their statement of " we no longer have access to any of your private loan information '' but all my payments are processed through them. I feel that they have taken advantage of a economically struggling young mother and have continued to try and make it impossible for me to repay this loan with their excessively high interest rates and late fees. I am praying someone will grant me some sort of relief from this nightmare. | ||||||
| 11/02/2017 | Yes |
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| On or around XXXX XXXX, XXXX, I contacted Navient because my current financial situation was making it extremely difficult for me to meet my currently monthly loan payments. I explained to a customer service rep at Navient that during XXXX I had worked for a start-up company ( the " XXXX '' ) that ran out of money and failed to pay me the majority of the wages that I was owed from XXXX XXXX - XXXX XXXX, XXXX. According to my employment agreement, I was supposed to earn my wages at a base pay rate of XXXX} per year, but due to the XXXX going insolvent I was only paid a total of XXXX gross ( versus what should have been XXXX gross at the true base pay rate ). In addition, much of the pay that I received was as a XXXX employee, so payroll taxes became my responsibility on the XXXX gross that I was paid. When I provided this information to the Navient customer representative he told me that I would be able to get relief if I applied for an IBR plan. He told me that he would put my account on forbearance until XXXX XXXX which would give me some cushion to get back on my feet as long as I also applied for the IBR during this period of time, which would also bring my repayment rate down to approximately XXXX per month for a XXXX period. I followed the Navient customer service rep 's instructions and filed for the IBR plan while providing the exact same information that I told him about my current financial situation. However, on XXXX XXXX, XXXX, I received an email from Navient saying that my IBR plan had been approved, but that I would have to begin making monthly payments at a rate of XXXX per month, and that my first payment would be due on XXXX XXXX, XXXX. This is the exact opposite of what I was told would happen by the Navient customer service rep. Not only was my forbearance until XXXX XXXX removed, my payments were actually increased form what I was paying before. My previous payments were for XXXX per month, and now they would be XXXX per month. Not to mention, the XXXX per month was about XXXX more per month than the Navient rep told me that I would have to pay under the IBR plan. So, it appears that there was a total bait-and-switch scheme conducted here by Navient. To make matters even worse, when I called Navient earlier this morning, the first rep rudely told me that there was nothing that could be done to help rectify this situation, and that I needed to start making my monthly payments on XXXX XXXX, XXXX as instructed. I then asked to speak to a supervisor because none of this made any sense to me, and the supervisor told me that I should apply for a loan consolidation which would put a temporary hold on my payments, but after reading the terms and conditions I realized it would essentially reset my loans and I would then have to continue paying off my consolidated loans for the next 360 months. So in summary, in order for me to get a temporary hold on my account, I would have to pay thousands and thousands of dollars of interest over the course of the next XXXX years. Anyone can see that this is just another bait-and-switch by Navient at my expense. This situation has not only cost me time and money while providing me with absolutely none of the relief that I was seeking or promised when I initially called, it has also caused me and my family significant emotional distress as we are being made to feel that we are nothing more than debt slaves to Navient, and that my only option is to be beholden to Navient financially for the rest of my life. | ||||||
| 01/19/2017 | Yes |
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| I had originally set up an interest only payment with Navient while I was working for less than minimum wage at an internship XXXX. After my interest only payment program expired, I was able to set up a new payment plan based on the financial statement of myself and my co-signers. After my second repayment plan expired, I was told I did n't have options for another plan without my co-signers providing their financial statements again. They suggested I pay a forbearance period of XXXX months to buy time so that my cosigners could do this. I called on the XX/XX/XXXX to set up a new payment plan. The representative I spoke with told me to call back after the XXXX of XX/XX/XXXX, since they must take payment to set up a plan and it would be easier on me financially to make XXXX payment after the XXXX instead of XXXX on the XX/XX/XXXX as well as XXXX being due XXXX days later on the XXXX. I called back after XX/XX/XXXX and the rep I spoke with that day set me up with recurring payments of an ( almost ) affordable amount, mentioned changing my interest rate and that it was approved by her supervisor. I never received any pieces of documentation of this call. The representative that set up that plan had me listen to each scheduled payment that I was setting up for XXXX months so I thought I was set for the next year or so. The representative I spoke with that day also told me that my account would show as up to date after the third agreed upon payment was made, but not until then. When I applied to get a mortgage with my partner a few months ago, I found Navient had been reporting me delinquent to all XXXX credit agencies. I checked my online account status with them and it was still showing a large amount past due and delinquent, even though the agreed upon payments were being drafted from my bank account. When I called to ask why this was and when it would be corrected, I was told that they had no record of my payment plan being set up ( even though the money was being drafted from my account for XXXX months and recurring payments were still scheduled ) and that my payments were not large enough to be considered " qualifying payments, '' therefore, my account was still delinquent. The supervisor I spoke with told me that it was no one 's responsibility to inform me that the payments that had been set up for my account would not qualify, and he could also not tell me who got to decide the amount needed to qualify. I was also told that the scheduled payments would continue to come out of my bank account for the rest of the year. They insisted I pay {$77.00} to roll my account back to the beginning of the month so that I would not be past XXXX days delinquent. I paid {$77.00} that day. They started calling me and my cosigners XXXX times each day since then. I sought counseling from an XXXX network agency to help me negotiate with Navient because I felt they were not telling me about all of my options. After I approved my XXXX to receive information about my loan, she was able to find the representative responsible for my account and set up a time to provide a new financial statement to see if I could renegotiate the terms of my loan. These new terms provided me with a manageable payment ( much lower than ANY they had set up for me before - even though I was told my payment could not be lower before ) and I received documentation of these changes through the mail. I am still confused about how this was possible, when before they were clear that I did not have any other options. | ||||||
| 05/24/2016 | Yes |
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| The company of Navient managed to create a bank account under my name and charge my XXXX loans to it through autopay. Over the phone, I inquired about the account before it withdrew anything. They convinced me that my dad ; who a month before, had paid off XXXX of my loans, tied his bank account to it for me. During this time, I used the money that would have gone to the XXXX loans to pay one of my other loan providers, XXXX XXXX. When the processing of the money was suppose to have been completed, I inquired as to why I did n't see it on my account. That is when Navient told me that the payments did not go through. I contacted my dad about it, and he informed me that he never setup an account for me. I contacted Navient back and demanded to know where the account came from. They tried to blame me saying I created it. That 's not possible for XXXX reasons. First, if I did, Navient would have to verify the account before I can even charge to it. Second, I checked all of my bank accounts, and none of them match the numbers on this fabricated XXXX. thirdly, the account started with like XXXX zeros, which they did n't disclose to me until after the fact ; which, if smart, should set off alarms. I asked what they were going to do about the problem, seeing as I no longer had the funds to pay for the loans due to a mistake on their part. They informed me to go into fore-bearance for a month and resume payments in XXXX. Calculating my payments, doing that would cause me to pay about XXXX extra dollars in interest for the total amount of my loans because they skipped a payment. and due to the missing payments for one month, my balance has now reversed its trend of being paid down and will backtrack me two months in payments. Basically, three times the amount will be what I need to pay to get back on track with where I was if this problem, ( which was caused by Navient alone ) never happened. They basically gave me that only option. I told them that I wanted reparations for their mistake, and that I should not have to pay more for their XXXX. they respond that their only option is to put me in forebearance or pay it all now and backtrack the time of payment, ( which is not an option because then I wont be able to pay next months payment ). To add to it, the company said that they would look into the whole problem on Monday morning and that it was set as a high priority. My dad called inquiring about the status. They told him that it was fixed and that they would contact me that day about it. They never did. I called them the next day about it, and they told me it was still pending. They also informed me that they would not admit to making an account and causing this problem to happen. The only thing that I wanted was for the payment for the month of XXXX to be dismissed due to mistakes from their end. They wont even do that. So, now I really want to press charges. Because, every time a loan gets paid off, they find a way to take more money from me. I have just started my career, making well above average of students starting careers in the US, and I can barely afford to provide for myself because I am actually steadily paying off my loans. I do n't understand why they would try to get more from me when most people cant even afford to pay for them at all. I feel as though they should help the ones that actually pay, or they will loose even us. I choose to pay my loans off, I choose to have credit. Most people do n't at all. Things like this make me understand more why they do n't. | ||||||
| 06/20/2018 | Yes |
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Web | Servicemember |
| I graduated from with a XXXX in XX/XX/XXXX. I started to repay my loans that year. It was initially financed by XXXX into a 20 year loan with payments of XXXX. My original loan balance was XXXX on loan # 1 and XXXX on loan # 2. So the total would be XXXX. Total payments with interest over 20 years would be XXXX at XXXX. My account was sold to Navient in XX/XX/XXXX after I went through bankruptcy following a horrible split with my children 's father. I was not given the option to sell. I did not sign papers for new finance terms nor would I have agreed to extending my loan for an additional 20 years. In the end of XX/XX/XXXX, around XX/XX/XXXX, I took a close look at my Navient account because the balance seemed to never decrease. It was then that I saw the years that I paid on the loan before they obtained it had not been credited to my account. After multiple attempts for resolution and calls to Navient with no acknowledgement that I existed, I filed a complaint with the XXXX XXXX XXXX. I then received a message from XXXX XXXX with customer relations. I attempted to return her call several times. When I finally got her on the phone, I was basically told I was wrong and I had never paid on the loan prior. Cut to several months later after sending multiple documents from my original loan to prove I was not a liar it seemed I was heard. I received an email stating I had a new document at Navient. I checked and it appeared my balance was corrected to XXXX for the total of the two loans combined. ( I was also charged almost 6k in interest for what they say was time I was not paying on the loan ). The balance I had when I looked at the number was around 12k. So we were closer. I checked my XXXX report the next month and it too showed the decreased balance. I received multiple emails the month of XX/XX/XXXX stating I owed different amounts for my next monthly payment. I was alarmed and called XXXX. She told me it was a mistake but my payment would be going up to XXXX/month to pay off the loan at the original scheduled payoff date of XX/XX/XXXX. Low and behold, the next thing I know my account is messed up more than ever. It is showing that none of the payments I make go to principle. My overall balance combined it at XXXX. Also, the monthly balance on the loan from the start of my paying with Navient never changes from XX/XX/XXXX to present. The balance every month is XXXX per loan after payment. I made multiple attempts to contact the company. I have refiled once again with the XXXX but I do not think they can help me. The last time I spoke with XXXX, she pretty much made up all she could blaming in on circumstances listed on their generic email. Her excuses were " you have not been paying enough on the loan to cover interest. '' Then she moves on to " you were in forebearance during bankruptcy ''. I was but that doesn't explain this mess and that was only for a short time. Then she said my interest rate had changed ... it should have never changed from the start of the original loan. Even at 5.75 % it would not explain still. Also, when I logged on to print the information for this, I have not been credited payments for XX/XX/XXXX and XX/XX/XXXX this year. They have removed the amount owed on the detailed list but I do have proof at home as well as multiple other documents. Just to recap a little, the original balance listed on my Navient loan after 16 years of payments on a 20 year loan, is higher than the original balance in XX/XX/XXXX. ( without interest figured in ). | ||||||
| 06/04/2023 | Yes |
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| My name is XXXX XXXX, and I am writing to you today to file a complaint against Navient. I called Navient on XX/XX/2023. The purpose of my call was to notify Navient that I am invoking a defense to repayment of the loans because the school I attended, XXXX, defrauded me. The response I received from the Navient customer service representative was that Navient could not help with this. The representative told me that it was an issue between me and the school, and the money was given to me in good faith and that it would need to be paid back. He said he spoke to his manager and that there was nothing on their end that they can do. I then sent a written summary of this call and asked for more information about what the representative said to the general Navient email account as well as to the Navient office of the Customer Advocate. On XX/XX/2023, I received a communication from XXXX XXXX, from the Office of the Customer Advocate ( I have attached a copy ). In the communication, XXXX said that theres no discharge program available at this time for students who claim a defense to repay a private loan due to misinformation or the quality of education they received at their school. Were not able to respond to any information or guidance provided by a customers school, financial aid advisor, or other financial advisor. You are welcome to review your enclosed Loan Agreements for any additional legal remedies that may be available to you. I believe there is a problem with these responses and there should be a process for providingme with more information and relief. In addition, I have also requested documents for Navient pursuant to California Civil Code section 1788.202 and section 1788.102. On XX/XX/2023, I requested ( XXXX ) A complete transaction history for the loan ( XXXX ) The name of the owner of the loan ( XXXX ) Any payments, settlement, or financial remuneration of any kind paid to the creditor by a guarantor, surety, or other party not obligated on the loan, if applicable ; ( XXXX ) Documentation establishing that the creditor is the owner of the specific loan at issue. including all assignments and written evidence of transfers of ownership. These assignments should include the account number, my name, and the date of each transfer or assignment. They must be the documents by which each creditor or assignee acquired the loan, and not prepared after the fact or in response to this letter; and ( XXXX ) A copy of all pages of the contract, application, and any other documents evidencing my supposed liability for the loan, stating all terms and conditions applicable to the loan. Navient responded to this request on XX/XX/2023. However, they only appeared to provide ( XXXX ) from above, a complete transaction history of my loans. They did not provide any of the information I requested on my loans ( XXXX ). Having attended XXXX has left me with significant debt and a worthless degree, leading among other harms to financial and emotional distress. The weight of the debt has limited my financial freedom, hindered my ability to pursue career and personal advancement, and created a constant state of stress and uncertainly in my life. My mental and physical health have diminished and I am always in a state of panic and fear. The consequences of attending a defrauded school extends beyond my own life and has had a profound impact on the lives of my co-signers, who supported me, further highlighting the far-reaching harm caused by such deceitful educational practices. | ||||||
| 02/18/2017 | Yes |
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| I enrolled in XXXX XXXX XXXX XXXX program in XX/XX/XXXX. After completing classes that I could n't get at our XXXX college, I went to transfer credits to the local school here. I was told several times these credits would be available to transfer to any school, that 's the only reason I chose them. They then tell me none can be transferred anywhere. So, I withdrew from the school to go to our XXXX college. Paid for the first semester in cash, which is what I was told to do, and XXXX would handle all of the transferring of the financial aid. Which they started, then stopped & would never respond back to the XXXX department. So, I could n't get any financial aid for the remainder of the program I had enrolled in & could n't afford it. I asked XXXX XXXX to place me on a year forbearance, so I could figure out what I needed to do, to fix this. I could never get anyone at XXXX to contact me back about anything. They refused to send me any transcripts. They refused to respond to anything from my school here. XXXXsent forbearance ended & I was only working part time. They told me they would fix my payments to where I could, told me to pay {$50.00} a month, no matter what the payment slip said, and they would accept it. I sent in money every month for a few months ( mind you my loan was only XXXX for both ) and would check the balance. It stayed the same. I did ask for another forbearance for a year because of health issues with my co-signer, my father, and could n't afford the payments. He became XXXX, deemed by the court & started receiving XXXX payments. This is the end of XXXX. XX/XX/XXXX, I tried once again after now receiving notices from Novient, who I had no idea was, and them asking for payments on a round about {$7000.00} loanot from XXXX XXXX. I called both companies because they were both sending paperwork stating XXXX completely different prices on my loans. XXXX XXXX told mom repeatedly they had no idea who Navient was, and vice versa. I asked Navient to put me on a forbearance so I could figure out what was going on. XXXX of XXXX companies started taking money each month out of my father 's XXXX check. They have for over 4 years now. I have made payments, several times to Navient. My balance has not gone down still. They are still taking money out of his check every month. I am still getting emails and random things every now and again from both companies. I do n't know who the pay, and at this point I have paid the loan 3 times now, with nothing to show for it. This school repeatedly lied to me and my father about financial aid, transferring of credits, who to pay & have destroyed mine and my father 's credit. They have been paid every month for almost 4 years, sometimes twice a month by his and mine payments & there is zero change in the balance. I do n't know what to do at this point. I have called Navient over 200+ times in the last year alone. I 'm either put on hold for hours at a time, never speaking to anyone. Or they get on the phone, have an attitude and treat me like I 'm a criminal & bully me into paying some ridiculous payment, that is n't even what the payment was that month. They have called me randomly & told me ( even after paying on time for 4 months straight ) that I was behind & being charged penalties & interest, unless I wanted to make a large payment over the phone to " catch up '' my tab. This has been a nightmare & the biggest mistake of my life. I ca n't even get into the bad XXXX college here unless I pay the entire bill up front now. | ||||||
| 02/23/2017 | Yes |
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| XXXX was deceptive from the start. During enrollment the adviser showed me a chart and referenced I could be making upwards and surpass XXXX a year. knowing what I know now.. those were all in valid stats. Also I wanted to stop attending during one of my quarters, but before I did one of the advisers said I would still be responsible for the loan to cover that quarter. Thus left me no choice but to stay enrolled since I am paying anyways.. During enrollment the infamous punch line " we are nationally accredited '' which means nothing. Sounds good for a sales gimmick. But if you are not familiar with accreditation policies you get sold on it. They do not go in to detail what nationally accredited means. Piracy was an issue, the instructor was giving out copies of XXXX, XXXX, XXXX and XXXX. It was passed around from student to student from the instructor. The instructors were far from teaching material, and could not give answers outside of the XXXX text book. Towards the end and near completion for my degree that I was tied and bounded to, due to too loans that were already taken out. They found me a job working for XXXX bucks an hour as a drafter.. I was already making XXXX with overtime at my previous job at the time..Why would I accept that offer. XXXX plus in debt was not worth a XXXX hour job. Minimum wage was over XXXX dollars at the time and that 's what my investment of time money and hard work got me. A shameful XXXX dollar hour job. I basically stay with the company I was with and moved up the ranks by experience and hard work. XXXX had absolutely nothing to do with my advancement in my career. I am a XXXX. This has absolutely nothing to do with drafting or design. In which I got my degree in. This Company would stop at nothing to put families, individuals and alter the life of many who had sought out for further education. They were in business for profit, and profit only. So many lives have been ruined because of the amount of debts. That nice car, that new house the life that is portrayed from the commercials is so far fetched. My credit will never be good, I have n't got a new car or purchased a home. But that very first consultation they promise you a better life a more lavish life for you and your family. Their practices could not have been more deceitful and illegitimate. Like every student from XXXX, Enrolling there has been my biggest mistake and regret. My life would have been a lot better had I not even attempted to further my education. Because I stayed with the same company I had been working with anyways because that degree did not help me in any way but did more harm then anything. These student loans that are attached to you the rest of your life will damage you in so many ways. Such as socially, depressed because you feel stuck, ruined credit almost forever, love life, career wise. I feel if I even mention I am an alumni off XXXX my image will be tarnished. There is no credibility behind this Bogus scheme of a school. Also preying on kids who are fresh out of highschool, inexperience and have not a clue about loans and barely over the consenting age and at the same time the enrollment adviser is promising you a lavish life of XXXX to XXXX plus a year why would n't you be sold. Only to later find out all this was a scheme and to get you sucked in on one loan..Once they have you invested on the very first loan. It 's to late to turn back. Other wise your paying money on a loan that you got absolutely nothing from. Sincerely -Victim of XXXX | ||||||
| 01/19/2017 | Yes |
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| The details of the " smart option student loan '' issued by Navient were never fully disclosed from the beginning. Now that I am out of school with around {$65000.00} in private loan debt on top of {$25000.00} in federal loan debt I make a payment of {$1200.00} per month which is twice my mortgage payment. I have contacted Navient multiple times to either get my interest rate reduced, ( XXXX of my loans are at 9 % or higher ) or extend my payment plan to longer than 10 years all of my requests for information have either been denied or skated around with answers that do not help me. I have no options for longer payment plans or reducing the interest rates on my loans according to Navient besides putting them into forbearance. However, I was informed that I can reduce my interest rates by a whopping 0.25 % if I switch to auto pay. " The Smart Option Student Loan '' has no options for longer repayment periods, this was never disclosed to me when I signed up for the loans. They were marketed as being easy loans to pay off in ten years with other repayment options available. There are no other repayment options available on this loan besides forbearance according to Navient. At the time of getting my loans my father ( cosigner ) was out of work which caused my interest rates to jump 3 % -4 % from one year to the next. Now that I am paying the loans by myself and have released my cosigners I should have the option to lower my interest rate or make principal only payments since my parents paid on the interest in advance while I was in college. This has also been puzzling to me, all through college my parents made " interest only '' payments on these loans until I started paying on them after I graduated. These payments were explained to us as advanced payments on the interest that would kick in after I graduate. What happened to all of these interest payments? Navient should be allocating my payments each month to pay more toward the principal of my loans instead of the interest that was supposedly pre-paid. Another issue I have with Navient is the way they allocate your payment each month across all of your loans. I would like to pay less on the principal balance of my loans with lower interest rates and instead pay more on the principal of my loans that are at 9 % interest or above. You do not have this option with Navient which automatically distributes a set amount of your payment to each of your loans based on your repayment plan. I have tried to get answers from Navient about allocating payments and changing how my loans are paid each month with no results. Navient 's customer service is absolutely horrible, their " call center '' is in a non-english speaking country and the people there barely no any answers as they just read scripted answers to the most asked questions. Overall I can afford my loans and I realize it is my obligation to pay them back so I am going to keep making my payments on time. Right now I need to take home more money each month so I can save for bigger purchases but I have no options to lower my payment through Navient. If I could just extend my repayment period form 10 to 15 years, or pay the majority of the principal off on my loans that have 9 % interest or greater I would have a much lower payment each month. If I would have know there was so much hidden information and fine print applied to the " Smart Option Student Loan '' I would have never signed up for one of them. I want Navient to step up and give me more options for repayment. | ||||||
| 04/19/2018 | Yes |
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| XX/XX/XXXX To Whom it May Concern : Between XX/XX/XXXXand XX/XX/XXXX, I made several calls to XXXX XXXX and asked if I could consolidate my loans. I was repeatedly told that I was NOT able to consolidate my loans until after I graduated. I graduated in XX/XX/XXXX, called in XX/XX/XXXX and was told that I couldnt consolidate until a few months after graduation. I called until XX/XX/XXXX where I was informed that XXXX XXXX NO LONGER consolidates student loans. XXXX XXXX lied and had been dishonest from the beginning. They told me from the very beginning that they offered loan consolidation which would make my monthly payments more manageable. Since XX/XX/XXXX, if not before, Ive collected fees, capitalized interest, etc. Im also very unclear as to what is capitalized interest, what are fees, and how much I actually owe to Navient/XXXX XXXX. I have been paying my loans for years but I cant seem to put a dent in the amount owed. Though I regret, taking out student loans 15 years ago ( at the age of XXXX ) to fund my education, I dont regret earning my degree. I just wish I had went about it a different way. Today, I have a successful career with the XXXX that allows me to drive major changes in the realm of XXXX XXXX. My degree in XXXX is what landed me my current career of 8 years with the XXXX. Navient currently threatens that career that I have worked so hard to build. Upon graduation in XX/XX/XXXX, I landed a job as a XXXX. At that point in time, XXXX XXXX, currently Navient, requested a payment of {$1500.00} on a XXXX salary. I couldnt make those payments, so I paid what I could and deferred my loans as I could all while capitalized interest continued to pile up. XXXX XXXX would call and call. I would pay what I could and my credit was ruined. I landed my job with the XXXX in XX/XX/XXXX, where I was able to pay a bit more. After years of begging for reasonable payment options, I was finally told about the Rate Reduction Program. It took forbearance after forbearance, deferment after deferment, missed payment after missed payment and a diminished credit score for XXXX XXXX to offer me this option. After being enrolled in the Rate Reduction Program, I was able to manage the payments successfully and begin to rebuild my credit. Today, I was told that I was no longer eligible to continue in the program. Navient, formally XXXX XXXX, took a look at my credit and saw my mortgage, car loan, and made a decision to not enroll me because I seem to be able to afford an almost {$1300.00} payment. I provided Navient my current monthly expenses, which include my mortgage, my childrens school expenses and tuition, groceries, car notes, utilities, etc. My current payment with Navient was around {$690.00}, which has been manageable and still allowed us to provide for our kids and take care of emergency items with our family or home. Im writing to you because as I stated earlier in my letter, Navient serves as a threat to my career. I have to keep my credit reasonable and do my best to not default on loans. If I default on a loan, I would have to report this information to my job. My employer also completes credit checks when necessary which is why its so important for me to keep my credit up. I spoke to a Navient associate as well as a Navient supervisor and was denied both times. Im not sure what to do here. I shouldnt have to be in complete poverty or have to default or miss payments that can ruin my credit and career in order to make payments lower than {$1300.00}. | ||||||
| 02/27/2019 | Yes |
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| I applied to Navient for their private loan permanent rate reduction program due to my inability to pay the astronomical rates they were charging me. As a reference, I am a prior student/victim of the XXXX XXXX predatory student lending scams. They approved my interest rate reduction to 1 % for ALL my private student loans and I have been making on time payments ever since. I had been making two separate payments for five different loans ; one for about {$140.00} on three of them, and one for about {$64.00} on two of them, the sum equaling roughly {$200.00}. This was a long arduous process to which took about two months of negotiation and was finalized sometime in XX/XX/XXXX. I received a notice in XX/XX/XXXX, that my payment status had changed. They said that two of the five loans were no longer in this interest reduction program. After 2.5 hours and arguing, pushing, and inquiring with several " specialists '' that this was not right because this change was supposed to be permanent for all five loans, they finally combed through my account and realized this was a clerical error on their end. They said they would rectify the account, erase the late fees and put all five loans under one payment within the rate reduction program as it was originally supposed to have been processed two years ago. During this process I lost time from work sorting this out on the phone. Before the call I received no notice on this change. They assessed late fees and my interest rates sky-rocketed which pushed my loan amount up and thus effected my credit negatively. They kept insisting that this was always what was going to happen yet they could not provide proof to me that this was the agreement but consistently tried to push me off the phone, dismissing me as if I was being ridiculous. Once they finally realized their error they said that moving forward all five loans would be under one payment of the same amount from before, approximately {$200.00} as they are all under the same program. But I just received a statement saying that the late fees are still be assessed for {$35.00}. The payments were still processed as two separate payments and not just one as they stated. This concerns me in that despite what they said, the clerical error is obviously still present. This is not the first time I have had an issue in dealing with the incompetence of Navient in their loan servicing. I should not have to push and dig to get answers and to correct THEIR errors. I should not have to continually communicate with a large corporation to which has the financial means to maintain their clerical staff and systems efficiently, and that should also not put lower middle-class citizens like me through the rigor morale every single time they falter. I only wonder if this happens to me, what about the plenty of other blue-collar citizens who don't have the wherewithal to push like I do. Does Navient perform quality assurance checks? Do they get audited where small clerical mistakes like this cost student loan holders thousands of dollars they already don't have beyond what they owe? Are these financial mishaps recompensed to those who overpaid due to Navient 's error? Lastly, I caught this one, what if I didn't catch others? Please audit this company. Please scrutinize their billing efforts. Stop letting this happen to good people who just want to do the right thing and pay what they owe but still want to have some quality of life where they aren't being cheated by big money hungry corporations. | ||||||
| 02/27/2023 | Yes |
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| To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. Your response should to me should include the following at a minimum. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. What did it cost your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes to above : Who did you speak to? On what date? How long was the conversation? What was their position? What telephone number did you call? What is the name of the employee of your company that spoke directly to the above party? What is the position of the employee of your company that spoke directly to the above party? How long has that employee been employed by your company? What formal training was provided to this employee to investigate items of this kind? Was there any e-mail or written communication between members of your company and the above party? Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Provide the SPECIFIC date reporting that these items will cease. Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Here is a list of accounts that you claimed were verified. | ||||||
| 01/19/2017 | Yes |
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| I have had tried for years to get my loan into income contingent repayment plan however they frequently told me that this program is not available with my loan type. The company has made many threats to me via phone stating that I 'll go to jail that the simplest my house at the garnish my wages if I do n't pay their minimum balance they also have stated that I 've used up all my forbearance and deferment. eventually I was able to get into a verbal agreement with them to pay {$50.00} a month for them just to stop calling me because I used to call eight times a day. Harassing me my wife my mother and my father and has even called my work. My initial loan was around {$34000.00} has now ballooned to {$110000.00} with all the interest they stacked on top of it with giving me no recourse for income contingent payment I am the sole income in my family of XXXX. I feel like my loan was Misarepresented to me I feel that their deception has caused me quite a bit of XXXX over the years and because of my good student debt prevented me from purchasing a home for my family. I graduated XX/XX/XXXX moved into an apartment XX/XX/XXXX and I 've tried every year to purchase a home and here it is XX/XX/XXXX I have a wife and XXXX daughters still in the same XXXX square-foot Apartment. I can not afford their payments of nearly {$1000.00} a month and afford my apartment and basic standard of living. I would literally have to decide on either paying student loans or paying rent but can not do both. Buy my home economics if I double my income I could afford my student loans and keep the same standard of living I have now which is not much. All I wanted was them to be reasonable and help me work out a plan to where I can pay without it affecting everything in my life. I 'm not looking to skate my obligations I 'm looking to be responsible but also to my family as well. what I would really appreciate is for XXXX to reassess my student loan from when I took it and put me in the income contingent repayment plan as I asked for right after graduation. I would expect they reevaluate my loan and the interest accrued. It 's {$34000.00} loan should not yield over {$110000.00} nearly 7 years later. The whole student loan ordeal has affected my life and my families life. If I knew then what I know now I would 've made a decision not to go to college not to take student loans because the whole house on ordeal is not worth it. In the seven years I 've had my student loan it 's made my life worse. Considering very early on I was able to transfer my federal student loans away from Navient ( sallie Mae ) and into the government services I was able to do income contingent and have been paying with no issues ever since. That is the way I expected XXXX aunt to operate but considering they gave me no choice nor any recourse. The sad part is I 've even thought about bankruptcy multiple times but come to find out that student loans that are private can not be claimed in bankruptcy court and also if I were to die my student loans pass on to my family 's. I find it very hard to believe that people making you responsible decisions gambling their life Way can file bankruptcy yet when someone pursues a higher education and wants to develop his life takes out student loans and ca n't do it and That bankruptcy is never an option. even if I wanted to take advantage of some government programs to discharge some of my debt it does not apply to private student loans so either way I 'm getting taken advantage of. | ||||||
| 09/06/2017 | Yes |
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| I am struggling to get Navient to work with me. When I first XXXX school, they were expecting me to pay over {$2000.00} per month with no job. When I obtained a job and applied for income base, they were still asking over {$1000.00} from me. Prior to getting a mortgage, I paid every month, no questions asked. Not to mention, while I was in XXXX school, I worked 2 jobs just to pay my student loans monthly so that I could reduce what I owe. At times, I would pay {$2000.00} per month. Unlike many others, I did not just stop paying. Instead, I have tried working with them. I call and ask if there is anything I could do to adjust my payments or if I can have any assistance. The options they give me are to defer my loans and any interest will be added to the principle. Okay fine, but what they neglect to tell you is that this does not apply to your private loans. So here I am thinking that my loans are deferred for a month yet they start immediately with their harassing calls to my father ( as a co-signer on 2 private loans ) and to myself claiming I did not make a payment. Turns out, when I specifically ask to defer all loans, they left out the private loans. To defer the private loans for 1 month, I have to pay a fee of {$100.00}. How does that make sense. Either way, going forward I knew this process. When I again deferred my loans for another 60 days, I then said, I know private loans are separate but can you please take care of everything for me. Evern though they said they did, I began receiving the harassing calls again. Most recently I called and asked if there was a way to reapply for the income based and the lady on the phone helped me. I asked if there was anywhere on the form that would allow me to add my expenses ( i.e. mortgage, car payment, utilities, etc. ) and she said no. She helped me reapply for the income based and said that she would defer my loans for 60 days to allow me to finish the forms. However, when I sign in to my account, it says that I am overdue for a payment of over {$3000.00}. This is the best part, I can make a payment today, and in 2 weeks I am already receiving harassing calls from Navient stating that I owe them money and that a payment is due. Arent payments on a monthly basis? And in order to XXXX me over, when I call and say that I made a payment 2 weeks ago how can I already owe money, they always use the excuse that owe you only paid a portion of what you owed and this is the rest. However, when I last signed into my account to make the payment, I always made the payment of what I owed. They manipulate their system so that you are constantly paying. Every time I try to call them, they are of NO help. They are a horrendous company to deal with. I try so hard to somehow reduce my payments as opposed to not paying at all yet they are willing to offer me no help! I struggle every month with my bills but yet still try to set money aside for my loans. I can not afford my loans. I am living on a check to check basis not knowing if I will be able to pay my mortgage because Navient is constantly harassing me. Just tonight i tried calling to reapply for income basis and the person i spoke to forwarded me to customer service and I spent 20 minutes pressing zero to speak to someone because the automated message would not go away. My dad as a co-signer tried to call since they also harass him with calls and they ( XXXX XXXX ) had the nerve to hang up the phone on him! Something needs to be done about this HORRIBLE company. | ||||||
| 01/19/2017 | Yes |
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| I took out student loans in XXXX, when I was XXXX years old. I graduated in XXXX with a XXXX degree and {$22000.00} in debt. I now owe over {$70000.00}. I have been paying what I can on these loans since XXXX, and have proof of this repayment since XXXX. The average payment has been {$50.00} a month. Admittedly, it has n't been the amount they have expected, but I have not been making a living wage since graduation. However, I knew it was my responsibility and wanted to make good. To this day, they have not credited my account for the total amount paid, because as I 've been told, they ca n't find my repayment history prior to XXXX. I was mislead time and time again about this loan. First, it started in XXXX, when I was asked to begin repayments and when I said " I had no income '', I was told it would be in my best interest to consolidate them with an interest only repayment, even though I had no income. So I did. They were consolidated at a higher interest ( 9 % ), then what they were originally at, and have remained there since. If I was n't so ignorant about interest rates and what I got myself into, I would have never agreed. But, I listened to XXXX XXXX thinking they have my best interest in mind. Gullible right? My loan was tossed from lender to lender for several years, which added fees and interest to the loan. Finally, in XXXX, I had had enough. I was about to have my first of XXXX children and I wanted out of this debilitating loan. I showed proof of what I was making and my father even offered a settlement amount, but to no resolution. Finally, after proof of income, they agreed to accept {$50.00} a month. Then, once again, in XXXX the loan was sent to someone else, this time the XXXX XXXX XXXX and again, they accepted the {$50.00} a month payment. I received notice that in XXXX of XXXX, my loan was finally rehabilitated. For 56 months it was held here, gaining XXXX of dollars in interest. I came to find out, it should have only been kept in rehab for 10 months. Apparently, I was supposed to know that. So, I asked, as I had many times, " Why was my loan in rehabilitation for so long? '' I 'm still waiting for a proper answer. Then in XXXX, I was told by a friend about IBR. At this point, my loan had been transferred once again to XXXX XXXX and is currently with Navient. I came to find out that it was consolidated, but this time without my knowledge, so my Principal jumped by over {$40000.00} and is still locked in at a 9 % interest. If I knew this was going to happen, maybe I would have looked elsewhere for a loan at a low interest rate and negotiated based on my principal at that time. This is no longer an option. Now, I am left with IBR. I live in XXXX XXXX, CA and my rent alone is {$2000.00} a month. I am currently on unemployment and make less than {$XXXX} a month. Yet, It has been determined that I owe, {$43.00} a month based on income. Ok, fine. My biggest complaint is that I would like my years of payments based on my income since XXXX to be credited to my years of IBR. I would also like the interest rate to reflect current rates. Even if this loan is " charged off '' in XXXX years or so, I will never be able to pay the taxes on that amount. I have XXXX children, XXXX of which will be in college in 5 years and have nothing to give. I need to focus on my children and insure they do not make the same mistakes that I did or trust organizations like XXXX XXXX and Navient to have their best interest in mind. Thank you for your time. | ||||||
| 03/01/2016 | Yes |
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| This all started back when I was set to pay back my student loans. Like any other graduated college student I was unable to afford their outrageous interest rates and pay offs. I was never put on any plan to help until just a few years ago. I signed up for an Interest Rate Reduction Program. Back then it was XXXX XXXX, now Navient. I was set up for 3.5 % on all of my loans, BUT for some reason XXXX loans I had to pay an extra {$50.00} or so after my payments came out. Every time I called in ( month after month ) I was given the same old story, that there was a mistake in the system and it would be corrected. But, it was never corrected and I always had to pay that {$50.00} to keep my account current. This went on for months until I finally went up the chain and found someone to fix it for me. Then just last year I was double charged a month which caused me to have an overdraft fee on my bank account. I have XXXX different bank accounts, I only use XXXX for student loan payments and only put it enough each month to it for that purpose. Now fast forward to XXXX XXXX. Navient took my payment, BUT they took it from another persons Bank Account with my same bank. I received phone calls from the woman and her branch and we found out that her entire bank account number is the last XXXX numbers of my account. She 's had her account since XX/XX/XXXX I believe they said. No worries I thought, just a mistake. I called into Navient and let them know what happened and to switch my banks up so this never happens to the woman again. XXXX rolls around and I see that Navient is claiming my account is not current. I call in and they tell me they reversed the XX/XX/XXXX monies for some reason back to that woman. I call the bank and they show no reversal. I spent hours upon hours and days calling into Navient saying my bank does not show this reversal to my account or to this other bank account. I received rude customer service from the start and got no where. I finally found the OBDUMANS department at Navient and started there. He then transferred me to the Customer Advocate. The Customer Advocate promised me a resolution and it 's now been over a month since I started working with them. The Customer Advocate found that my bank was never reversed the payment and that Navient 's bank, XXXX XXXX had some transaction issues. I was promised last Monday that there would be a resolution and there was none. I called in last week and left 3 voicemails and also called in and had them transfer me to the representative that was working on my account, she was on the phone but would call me back another person said. I did not get a phone call back. Now, I found email addresses for the Executive Board at Navient and I emailed everyone I could. Immediately I get a phone call back ( Friday ) from the executive team stating they would have a solution for me on Monday and I would be compensated for my troubles. Monday came to pass and no response from them so I sent another email which only was returned an email that had no resolution. It is now Tuesday and I am tired of being abused and neglected by the Navient staff. They have caused a great deal of mental and emotional stress not only to me but my wife and my cosigners who receive phone calls that say I 'm delinquent or late, when Navient 's bank 'supposedly ' has the money on hold somewhere. I 've exhausted all of my options and I hope this helps my cause along side of me working with a legal team to take legal action against Navient. | ||||||
| 03/28/2018 | Yes |
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| I am writing to enter a student loan complaint for my wife against the Navient Company. Navient has a loan with my wife sinceXX/XX/XXXX. They have not provided monthly statements regarding her accounts. They did not fully disclose where her payments were applied. For instance, they would give her a monthly statement then skip 2 months before the next statement. Her balance kept rising even when she paid the monthly bill. There were many months none of her payment went to principal even though she paid every month, and then they would add an additional XXXX or XXXX hundred dollars to interest without explanation. We contacted them several times and the service rep could not provide explanation neither could their mailed responses. The bill would never get paid this way. What we want at this point is discovery like they provide in the courts. That is a full disclosure of monthly statements of the two loans since it's inception, detailing the principal, interest charge, payments made to principal, payments made to interest and ending balance each month just like the amortizations that is provided with a home mortgage loan. Attachments : Attached is Exhibit 1 : dated XX/XX/XXXX. The Effective Date is the first column displayed. It starts at XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX etc. 1. We would like to see the missing statements of XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX etc. for every month interest was accruing and recorded. We want to examine how the interest is accruing and would like to see the results of how our payments are applied. 2. Also on exhibit 1 for the following dates : XX/XX/XXXX We want to know what was the transaction amount for and how did interest of {$640.00} get accumulated if it is the first transaction of the loan. If it is not the first transaction then we need to see the first transaction from the inception of the loan. 3. XXXX/XXXX/XXXX Explain what is the transaction amount of {$21000.00}. Do you have documentation of this transaction? 3. XX/XX/XXXX How is the principal amount {$15000.00} on a {$5000.00} transaction? 4. XX/XX/XXXX What is the basis of transaction amount {$15000.00} and if this is a new loan amount how is {$730.00} automatically added on to it? Where does this interest come from? What are the principal, interest rate and period this interest amount is calculated from? 5. XX/XX/XXXX What is capitalized interest? That needs to be broken down on a monthly basis. 6. XX/XX/XXXX is missing along with other months. 7. XX/XX/XXXX Why none of the {$300.00} payment is applied to interest when a payment was applied just the month before? The same question for payments applied XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. 8. Exhibit 2 Capitalized Accrued interest of {$570.00} dated XX/XX/XXXX. What is that for? That needs to be itemized. In Exhibit 1 to see how that figure was obtained. On Exhibit 1 XXXX paid the amount of {$290.00} on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and that approximate amount for every month there after until the year XXXX. So how does an extra {$570.00} in interest pop up? These inconsistencies appear throughout her loan period. 9. Exhibit 3 - Capitalized Accrued interest of {$2300.00} needs to show how calculated. 10. I could go on and on with the inconsistencies of this loan but I won't. However the questions that I set forth needs to be answered. Can you determine and follow how these interest amounts are calculated? | ||||||
| 03/29/2018 | Yes |
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| NAVIENT IS NEGLIGENT : ROBBED BORROWS OF THEIR ELIGIBILITY FOR PSLF PROGRAM! -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - For the past 10 years I have been counting down the years, months, and days until I could file my Public Service Loan Forgiveness materials to relieve me of the remaining balance given my qualifying year with XXXX XXXX XXXX. I have meticulously kept my file that includes the employer forms and the date I would become eligible. When I recently contacted my loan servicer they stated that I could submit everything ONLY IF I had made payments under a SPECIFIC repayment plan AND only if all of my loans were consolidated. I was confident that I was in good shape though given my extensive discussions with my loan service provider over the past TEN YEARS beginning shortly after the PSLF Program was announced- but THEY NEVER MENTIONED THESE TWO VERY IMPORTANT qualifiers and advised me to stay with the non-profit sector and wait. In 2012 the Employer forms were made available but still NO MENTION of the need to have consolidated loans to qualify. It turns out that I am making qualifying payments but my loans are NOT consolidated and therefore they said I am ineligible! I asked to take care of that so that I can be eligible and they stated that the 10 year countdown would start as of now and NOT as of when I initially inquired and qualified for the program. That means I have to start ALL OVER AGAIN due to my loan service provider 's failure to properly and fully inform and advise customers of the US Dept. of Education. I am outraged and frustrated to say the least. My daughter is now going to college and I had planned on taking loans for her education now that mine would be forgiven as a result of my 10+ years in public service at a less than market rate salary. My career path was, in part, steered towards XXXX jobs over the last few years to ensure I didn't lose my eligibility with the PSLF program! I've made significant and life changing decisions to remain a part of a program that I wasn't even qualified for because my loans service provider neglected to mention the need to consolidate. The LOAN SERVICER needs to be held accountable and there needs to be reasonable exceptions made to this ADMINISTRATIVE issue ... at the end of the day, I had qualifying payments, I have never defaulted and I have put in 10+ years with non-profit organizations. Even more incredulous, during my last call to my loan service provider NAVIENT, I was told that she needed to end the call because her shift had ended and that I should call back. This was an offshore operation in XXXX and I had to give my SS #, address etc ... to and they were giving scripted responses like a robot and TOTALLY AND COMPLETELY uninterested in really understanding and advising with accurate information- incompetence or SYSTEMIC EFFORTS TO LIMIT THE NUMBER OF LOANS APPROVED UNDER PSLF PROGRAM! Navient was negligent and thousands of us are suffering and paying the price. I do intend to pursue this until there is fair and reasonable resolution for myself and the thousands of others affected by negligent loan servicers! I'm in touch with my State Representatives Office as well as the media on this matter. I am also going to form a coalition of people who have been robbed of their PSLF and we will protest, march and launch a social media awareness campaign until there is resolution. HAVE YOU BEEN ROBBED OF YOUR RIGHT TO PSLF PROGRAM? JOIN THE FIGHT by emailing me at : XXXX. | ||||||
| 09/27/2018 | Yes |
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| In XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Texas states that I would be unable to graduate without retaking a course through their institution. I was told without the credit hours I would lose my opportunity to graduate and have to retake certain courses at my own expense and with new loans through XXXX XXXX That my Sallie Mae Loan no longer covered these expenses. I was pressured during a private meeting with the Executive Chef to take out an additional loan to cover the cost of course not completed. This high pressure sales tactic left me with what I believed at the time with no options. The extra courses necessary to graduate with an XXXX in XXXX XXXX degree in no way shape or form contributed to my ability to perform my job duties as a XXXX. I did complete the courses and XXXX but was left with an entry level job. The accredition I received from XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX has been of little to no help in attaining a job that XXXX XXXX XXXX XXXX XXXX XXXX advertised I would be immediately qualified for after graduation. In actuality it has been a hindrance in numerous interviews and job searches. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX has offered me little to no help in obtaining and/or maintaining the XXXX equivalent job in which they advertised and promised me I would be hired on at upon completion of the program. I have faithfully and diligently worked the jobs that I was personally able to obtain through hard work and determination. I have paid close to 2/3 of my student loan. After over 10 years and an estimated 39,000 hours clocked working in various XXXX across the United States Im left with little to nothing to show for. Initial Loan Amount taken in XXXX- approx. {$54000.00} Amount repayed since refinancing- approx {$59000.00} -as of XXXX with a remaining balance approaching {$20000.00} In XXXX upon XXXX I was unable to make minimum payments on the loans with Sallie Mae XXXXignature Student Loan and XXXX XXXX XXXX XXXX. Therefore it was deemed that in my best interest I needed to consolidate these loans to prevent defaulting on them. At the time of graduation I was making {$11.00} an hour with the job XXXX XXXX XXXXXXXX XXXX XXXX XXXX approved as apart of of externship program required for graduation. At no time did XXXX XXXX XXXX offer service or help to gain better standing within this job or any other job. XXXX XXXX XXXX did not offer assistance after graduating in job placement that XXXX XXXX XXXX advertised as apart of post-graduation assistance. I have been diligent in repaying my consolidated private student loan through XXXX XXXX to the best of my abilities. In the meantime XXXX XXXX XXXX has filed bankruptcy and closed all its remaining schools. It has left a path of destruction in its pursuit of money and left thousands with little to nothing to show for their own hard work. Those who have remained in the industry are far fewer than those who havent. I didnt file bankruptcy. I didnt quit working hard to pay my student loans. I didnt give up. I still dont believe attending XXXX XXXX XXXXXXXX XXXX XXXX XXXX was necessary for me to become a successful XXXX in the XXXX XXXX. For those who have done what is right and did the best job they could repaying loans but are left outside the governments student loan forgiveness programs because they dont classify correctly or the government recognizes them as paid in full because they are now privatized student loans, what are our options? | ||||||
| 08/06/2018 | Yes |
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Web | Older American |
| It appears that when our original application for a student loan was processed I was placed on the loan as primary borrower. I was always under the impression that the primary borrower was individual that would be going to college. The cosigner was the one that accepted responsibility only if the primary borrower was unable to pay. Usually a cosigner was needed because the primary borrower could not qualify on their own. If funds were dispensed on my behalf to XXXX University then I wonder where they were applied since I never went to college. The account currently keeps showing that nothing is owed but my daughter has been making payments in good faith. I filed bankruptcy XX/XX/XXXX which is about the time the account quit showing that a balance was due. The bankruptcy was discharged XX/XX/XXXX. She made payments before I filed bankruptcy where amounts over a hundred dollars were applied to the principal. There was a break of 5 months where no payments were made while she was on maternity leave from her job. My daughter set payments up on auto pay and the payments were all applied towards the interest until the last one where {$2.00} was applied to the balance. She is trying to consolidate her student loans but has run in to a road block due to the error in processing the original application that made me the primary borrower. The consolidating company states that they are unable to consolidated the Navient loan unless she is the primary borrower. Attempts to correct this have fallen on deaf ears. A XXXX XXXX (? ) with the Navient office of the Customer Advocate did call me after I sent an email to the CEO XXXX XXXX. I have returned her call two times but have not received a response back. I need to have this issue resolved. Correcting this issue is a win win situation for both parties. Navient gets the loan paid off which will add to positively to their statistics, it avoids a loan from falling into delinquency and it aids a hard-working borrower to receive relief from the higher interest rates. Below are the recent payments Date Description Principal Interest Fees Total XX/XX/XXXX PAYMENT ( {$2.00} ) ( {$360.00} ) {$0.00} ( {$360.00} ) XX/XX/XXXX PAYMENT {$0.00} ( {$360.00} ) {$0.00} ( {$360.00} ) XX/XX/XXXX PAYMENT {$0.00} ( {$350.00} ) {$0.00} ( {$350.00} ) XX/XX/XXXX PAYMENT {$0.00} ( {$350.00} ) {$0.00} ( {$350.00} ) XX/XX/XXXX PAYMENT {$0.00} ( {$350.00} ) {$0.00} ( {$350.00} ) XX/XX/XXXX PAYMENT {$0.00} ( {$350.00} ) {$0.00} ( {$350.00} ) XX/XX/XXXX PAYMENT {$0.00} ( {$350.00} ) {$0.00} ( {$350.00} ) XX/XX/XXXX PAYMENT ( {$82.00} ) ( {$250.00} ) {$0.00} ( {$340.00} ) XX/XX/XXXX PAYMENT ( {$120.00} ) ( {$210.00} ) {$0.00} ( {$340.00} ) XX/XX/XXXX PAYMENT ( {$110.00} ) ( {$220.00} ) {$0.00} ( {$330.00} ) XX/XX/XXXX PAYMENT ( {$120.00} ) ( {$210.00} ) {$0.00} ( {$330.00} ) XX/XX/XXXX PAYMENT ( {$120.00} ) ( {$210.00} ) {$0.00} ( {$330.00} ) XX/XX/XXXX PAYMENT ( {$140.00} ) ( {$190.00} ) {$0.00} ( {$330.00} ) XX/XX/XXXX PAYMENT ( {$110.00} ) ( {$210.00} ) {$0.00} ( {$320.00} ) XX/XX/XXXX ADJUSTMENT {$0.00} ( {$0.00} ) {$0.00} {$0.00} XX/XX/XXXX PAYMENT ( {$110.00} ) ( {$210.00} ) {$0.00} ( {$320.00} ) XX/XX/XXXX PAYMENT ( {$120.00} ) ( {$200.00} ) {$0.00} ( {$320.00} ) XX/XX/XXXX PAYMENT ( {$120.00} ) ( {$200.00} ) {$0.00} ( {$320.00} ) XX/XX/XXXX PAYMENT ( {$120.00} ) ( {$200.00} ) {$0.00} ( {$320.00} ) XX/XX/XXXX PAYMENT ( {$120.00} ) ( {$200.00} ) {$0.00} ( {$320.00} ) XX/XX/XXXX PAYMENT ( {$110.00} ) ( {$200.00} ) {$0.00} ( {$320.00} ) | ||||||
| 03/25/2019 | Yes |
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| Sallie Mae is the original lender ; Navient is the current one. I am reporting on both companies - namely to complaint about a systematic effort on their part to provide misleading and incomplete information about the multitudinous forbearances and deferments granted by these two lenders to the primary borrower on 2 loans where I am listed as the co-signer. Even when explicitly requested information about these deferments/forbearances in writing, including information about terms and timeframe, Sallie Mae and now Navient have both withheld this information or refused to comply with the requests. This meant for over 1 years I had little information about the types of forbearances that these two were providing and whether they had made any effort whatsoever to offer less expensive payment plans - ones that dont cause the loans to balloon in size during periods of reduced payments. These reduced payments did not make possible for the borrower to be able to request a co-signer release after over a year of on-time payments, but they netted both Sallie Mae and Navient a significant profit. Recently I have been in touch with agent XXXX XXXX at Navient was the most recent individual at Navient to provide false and incomplete information about these loans. 3 months ago she had notified me that Navient had provided the borrower - XXXX XXXX - with yet another reduced payment forebearance but would not disclose the terms. It seems that Navient is intent on ensuring that the borrower would never be able to be eligible for a co-signer release and thats shes eager to have me back take over payments : in short, they fail to provide the borrower with a payment plan that actually pay off the loan, but instead allows it to increase in size as her reduced payments dont even cover interest. XXXX did disclose that Navient continued to allow the borrower to make below-interest payments as she took out new loans. If the borrower had the capacity to borrow more, then she didnt need a forebearance, and the granting of these to the borrower over and over again is meant simply to boost its profits at my expense. 3 months XXXX ago did say only that the borrower was to make 3 payments and then her account would no longer be past due. However, several days after the 3rd scheduled payment, Navient sent me another past due notice demanding payment for her loan. In short, Navient had lied again. Id like to know why Navient continues to lie to me and why they continue to push these pointless forebearances on the the borrower that simply balloon the loan when not only does Navient know that she had recklessly borrowed since she first nearly defaulted on these loans, but that the borrower has NEVER made a single regular payment on these 2 loans, one of which Im now paying. The borrower has shown Navient that the borrower doesnt use forebearances to get back on her feet and be able to make regular monthly payments. No. She uses them to cause me the co-signer to be on the hook for more, as Navient profits. I charge that Navient has been and continue to collude with the borrower irresponsibly to rake in profit when it knows full well from her payment history alone that she has absolutely no intention to use these forebearances to be able to make regular payments that qualify for co-signer release. I also filed multiple fraud complaints that she signed these loans in my name but neither Sallie Mae nor Navient accepted them. They simply dismissed them. But she still committed fraud. | ||||||
| 12/13/2016 | Yes |
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Web | Older American |
| I pay $ XXXX monthly to Navient. Very frequently over the past XXXX years they add a late fee bringing my payment to about {$1800.00}, but the payment was not late. It was paid within the grace period between the XXXX and XX/XX/XXXX of any month. When I ask why is there a late fee since I made the payment within the grace period they say there were late fees assessed going back years. Another tactic they use is telling me the payment including the late fee, the portion that would normally pay the late fee is directed at the old balance and the late fee is not paid but carried over again. I have on numerous occasions over the years asking. TODAY, what is my balance in late fees and when I py that amount, they once again apply it to the balance and not the late fee. On XX/XX/2016, within the grace period, I asked them specifically to apply a separate payment to all outstanding fees and was told the amount is {$250.00} which I paid and thought all late fees were paid through XX/XX/XXXX. In XX/XX/XXXX the correct amount was charged, {$1700.00} due XX/XX/XXXX and I paid that even earlier in on XX/XX/XXXX. The next payment due for XX/XX/XXXX once again includes a late fee and the amount due in XX/XX/XXXX is {$1800.00}, an extra {$150.00}. When I asked why is it more, they said I had unpaid late fees. This practice is outrageous and borders on extortion whereby Navient is charging hundreds of dollars in late fees with hundreds of thousands and perhaps XXXX of customers and getting away with it as a late fee charge, then when paid what they say includes a late fee, only to find it was applied to the balance. Now I have another complaint : Whenever I call Navient or even the direct line to Sallie Mae in XXXX, PA, it is all ways routed to the XXXX. ALL WAYS. XXXX I ask to speak with someone in the XXXX, they tell me there is no one available in the XXXX, ever. All calls go to the XXXX. This is also outrageous and they are getting away with breaking the law. Finally, as I put XXXX kids through XXXX, XXXX and XXXX XXXX and a loan in the area of about {$150000.00}, MY XXXX PAYMENT, ON LINE AND IN MAIL WAS ALL WAYS FOR XXXX payment. However, all most 6 years ago when I missed some payments, XXXX XXXX reports to the credit reporting agencies, not XXXX payment was missed, but XXXX payments were missed. For the past 6 years the credit reporting agencies have been reporting me as someone that has missed XXXX payments for the past 6 years. Any creditor who sees this will immediately have a much more negative opinion of my credit worthiness compared to some one who has missed only XXXX payment. Please explain how this is fair to me or anyone else. For XXXX and XXXX years I have been paying monthly around {$1700.00} x 66 months = {$110000.00} and the credit reporting agencies tell the world and any creditors I am NOT credit worthy while they make XXXX % off my loan. Is n't XXXX great!! They have never chased me for money, make outrageous interest on educational loans and tell everyone my credit sucks. There sould be a class action law suit filed against these loan sharks. No wonder no young person in the XXXX can repay any educational loan. After telling the world I am not credit worthy for XXXX years, by nagic my credit score will jump dramatically because I pay XXXX mortgages, many loans and approach {$25000.00} monthly in payments but XXXX XXXX and Navient say I am not credit worthy. Do you think if I call the XXXX Police they will help me with these thieves???? | ||||||
| 06/05/2017 | Yes |
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Web | Servicemember |
| Hello, My brother XXXX XXXX XXXX worked with XXXX in XX/XX/XXXX and met his obligations under the Loan Rehabilitation Program and as such his loan was returned to Navient ( attached ). XXXX XXXX account number with Navient is XXXX and his loan number is XXXX. My brother was not working and had XXXX medical conditions, living with my parents and relying on them for all care. On XX/XX/XXXX my brother 's body was discovered XXXX XXXX XXXX after XXXX XXXXt for 7 days. He was pronounced deceased XXXX XXXX XXXX. An XXXX was required and the final death certificate was released onXX/XX/XXXX ( attached ). My parents are XXXX and XXXX years old, living on a fixed income reliant on social security. I supported my parents in managing notification to all medical providers and Navient to get the accounts closed. My brother left no estate and instead died with many outstanding bills. On XX/XX/XXXXI contacted Navient and spoke with XXXX and he indicated I needed to submit to them the death certificate once it is released and then they would close out the loan. On XX/XX/XXXX I mailed Navient the death certificate ( attached ). On the next bill from Navient it was addressed to my father ( attached ), so I contacted Navient to check on the status of getting the loan cancelled. They told me it can take several months for the death certificate to be processed. Over the past 3 months Navient has called my parent 's home up to 10 times a day, sometimes as late as XXXX XXXX, asking for the loan to be repaid. During the first month my parents would explain that my brother was deceased and that the loan should be closed. I called Navient twice during this time period and each time was told that they had not processed the death certificate yet and that it can take time to be processed. I let them know that each call Navient makes causes XXXX XXXX to my parents because they find it so difficult to speak about my brother 's death. They assured me the calls would stop. I told my parents to stop answering Navient 's calls because they assured me they would cancel the loan once the death certificate was processed. Last week I called them to check on the status and they informed me that they will no longer speak with me. I asked why and they said that my father was a co-signer on the loan so they will only work through him. I explained that I was not aware of this and said that my father will have a difficult time speaking with them because he will get confused about what is going on. I also indicated my parents never mentioned anything about co-signing and if it did happen my father likely did not understand what he was doing. I subsequently spoke with my parents and my father indicate he recalls signing a form to help my brother but did not realize it meant he would have to repay my brother 's debt. As I previously stated, my father is XXXX years old, living on a fixed income. He is a veteran and was in the XXXX. Today ( XX/XX/XXXX ) I called Navient to ask them to forgive the loan and they ended up asking me to repay the loan on behalf of my parents. I explained that I simply can not, that I already help pay for basic living essentials for my parents. I asked them for any consideration and they indicated that they will not even reduce the payment and the loan must be paid. I do n't know where else to turn and appreciate any help you can provide to my family to have this loan forgiven in full. I believe the loan 's balance is {$1400.00}. | ||||||
| 06/14/2019 | Yes |
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| For the last 2 years I've been trying to get the correct amount to pay my loans based on an income sensitive repayment plan. Since XX/XX/XXXX when I was laid off from my job I've been trying to get the monthly payment. I applied for Unemployment deferment but Navient didn't finalize the deferment because they say my husband didn't co-sign on fsfa.gov. Even though he had done so in XX/XX/XXXX. Once I found out in XX/XX/XXXX that the loans weren't deferred, we applied again in XXXX & finally Navient got the information to defer. Interestingly, I have 2 emails from Navient in XXXX & XXXX stating that it's taking longer than usual because of volume to process the first deferment request. And then they said they didn't receive the co-signed information. I talked with someone via phone at the Dept of Ed & they had the online completed co-signature and I have an email with the information regarding this call on XX/XX/XXXX. A new paystub was entered with the new income amount. I was told that Navient had all that they needed. I received a letter amount a month & a half later with the payment amount of {$790.00} due per month. Of course I was floored as I've never paid more than {$270.00} per month for all three loans that I have. I applied again for the income sensitive repayment as I was told via mail that I no longer qualified for this type of repayment plan. I then followed up with a phone call to Navient 's customer service line to state that the payment amount must be wrong given that I was in an Unemployment deferment, income was half of what I'd been receiving before & that I kept being deemed ineligible for a repayment plan that I'd been eligible & deemed ineligible for previously. Navient kept saying that they would expedite a determination & get the payment amount. A couple of months later, I still didn't have a payment amount. I'd asked them to expedite this again & I'd still been in unemployment deferment because of the earlier issue even though I'd gotten employment again after being unemployed for 5 months. I asked them to do the recalculation of my new employment right after the Unemployment deferment took affect. By XXXX, I received a letter from Navient stating that my new payment was again {$790.00} which coincidentally was the same as I'd received about 6 months before. I had anticipated that it would be about double as our income had doubled, however, I didn't anticipate an amount of almost 3 times the previous amount I'd paid given that we only made $ XXXX more. Of course, I'd called Navient again & asked what was going on. By this time ( XX/XX/XXXX ) I'd been let go from the company I'd been employment for & applied again for Unemployment deferment in XX/XX/XXXX. Two weeks later I uploaded the Unemployment deferment form. My husband co-signed online & I uploaded the new income. I received a letter stating that that they'd denied the Unemployment deferment as they didn't receive information that my husband co-signed for the 2nd time. Then I got an email from the Dept of Ed stating on XX/XX/XXXX that my husband had co-signed successfully. I got a letter a couple weeks later from Navient stating that my husband had applied but that I hadn't. Not sure why I got this as I'd applied before my husband. I got another letter from Navient stating that the new amount was again {$790.00} due on XX/XX/XXXX. I have communicated with Navient once a month for the last 2 years to get this straightened out & I still can't get resolution. | ||||||
| 01/24/2017 | Yes |
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| I have student loans with Navient, previous known as XXXX. Over the past XXXX years, I have been hit with major financial set backs since being out of school in XX/XX/XXXX. I have been laid ( due to restructuring/position elimination ) off almost every year and in XX/XX/XXXX I was laid off. I was making payments when I started a new job and when they lay off happened, I immediately called to say I could n't afford the minimum payment monthly. I would call every XXXX weeks and I was repeatedly told that there were no options even though I was not receiving unemployment benefits initially and that I they would not take any amount other than a minimum payment. I was not told they could not lower my monthly payments because I was on the lowest plan despite now being unemployed. And that if they went off my income, I would still have to pay approx {$130.00} as opposed to {$140.00} per month. Now the loans have went into default, my credit score was perfect now its very low. I have never been late or missed any payments ( with any credit/loan lenders ) and I do want to pay them back, but I do n't even have unemployment benefits now as of XX/XX/XXXX because I 've exhausted all the funds. So, Navient told me that I still have to pay or I 'll be subject to legal action. I explained to them that the only reason I am not paying is because I have not income to pay at this time. Before this point, I told them I could pay $ XXXX until I established employment but they told me " that is not good enough. '' I experience a representative that told me how, when, and where I should spend my money and he literally yelled at me for calling to try and work out a plan with them ; he was not having any of it. So, now I 'm at the point that I ca n't make any payments and I am trying to figure out what to do in this situation. Also, I was told that I did not have anymore forbearance/deferment since I had used them previously when I was laid off. The other thing is that they also charge you {$50.00} to default the loans in XXXX month increments. And in this case, I had to borrow the {$50.00} to put them in forbearance. Lastly, Navient tried to give me a settlement of smaller amount than was owed and when I told them I did n't have the money they told me that I could use a credit card and if I did n't do that, then they would put that I was " refusing and unwilling to pay. '' I told them that they should tell the truth and stop lying because I never refused to pay, I did n't have the income to pay. The representative told me that " if he did that ( told the truth ) then he would be taking a risk. '' I just told him to do the right thing. I have been trying since XX/XX/XXXX to prevent this issue from happening and no one would help me nor give me options for a reasonable payment method. Most, if not all of the representatives got mad at me and argued with me when I told them I was unemployed and did n't have unemployment and I did n't even know how my mortgage was going to get paid. They did not care nor were they willing to help in any capacity. Also, I had every intention on paying back on the student loan but I have had severe financial hardships every year for the past XXXX years. My situation and what has happened to me has been so disappointing and discouraging since I have never been late or missed any payments on any credit cards or loans and I 've always had good credit.. But thanks to Navient for their unwillingness to work with me, my credit score has suffered. | ||||||
| 09/24/2016 | Yes |
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| Navient WILL NOT RELEASE MY CO-SIGNER AND I 'M AT MY WITS END!!! I had a loan with XXXX XXXX, which in turn was sold to Navient. I was issued my consolidated loan XX/XX/XXXX with my ex-husband as my co-signer, since I was unemployed at the time. During our divorce filings in XX/XX/XXXX, I applied to have him removed as a co-signer. The request was denied although I was never made aware of the lender 's decision. Last winter, my ex-husband put his house on the market and realized he was still accountable as a co-signer for my loan which seemed to affect his credit. I immediately filed to have him removed again only to find out that I was ineligible due to the fact that I was n't meeting all the criterias, specifically not having missed a payment within a 12 month period. Until XX/XX/XXXX, I had never missed a payment ( the result of me transferring my auto-debit to a newly formed bank account and having it not go through properly, a simple glitch if you will ). I fixed the issue within 10 days. It 's been almost a year and have been waiting until next month to finally file to have my ex-husband removed again as my co-signer. This outcome will not be possible. For some reason, although I had schedule my XX/XX/XXXX payment on XX/XX/XXXX ( something I do every month ) Navient decided to change my due date to XX/XX/XXXX resulting in me somehow " missing my payment '' therefore adding a {$15.00} fee and of course, now nulling my soon-to-be co-signer release eligibility status. I ca n't understand WHY they would say I 'm late for a payment when the balance should technically carry over, even if one changes the date with a few days. I 'll be blunt, it seems a little too coincidental that at this specific time, I 'm all of a sudden deemed " late for a payment ''. I suspect foul play to be honest. In the past year I have called the customer service many, many times and BEGGED them to consider my track record, even applied online many more times since, but their call center in XXXX insists " there is nothing they can do since I do n't meet all the requirements ''. Period. The lack of flexibilty is infuriating, especially since I would pay over my minimum for so many years. Especially since I 'm no longer married to my co-signer. I 'm under tremendous pressure from my ex-husband for his release and I am more than capable of paying for myself with my income. I mean, I have impeccable credit ( last I checked it was XXXX ), I have a mortgage that I own all by myself and I ca n't imagine still needing a co-signer. I am so very tired of feeling taken advantage of and having very little interpersonal contact with this institution which frankly leaves very little room for customers to be given any fiduciary courtesies. I 'm being told, " why not refinance with someone else? '' Because I refuse to have another institution make me pay XXXX in interest when I already have paid tens of thousands in interest to Navient/XXXX XXXX already. It 's a very stressful situation that makes me feel helpless and without recourse. I desperately need your help as I 'm being threatened by my ex-husband of legal action if he 's not being removed as soon as possible. A consequence Navient really could n't care less about. Nonetheless, something I feel should have been resolved back in XX/XX/XXXX/XX/XX/XXXX when I first applied to have him removed and have fought for ever since. Please help me, I 'm so tired and dont want to further myself in debt just to release a co-signer. | ||||||
| 03/10/2021 | Yes |
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| attended the XXXX XXXX XXXX XXXX and XXXX in the Fall of XXXX. In XXXX the counselor at the time told me that I needed to reapply, my mother was with me at the meeting as the counselor revealed I didn't have enough money to continue my education. The counselor then told us that there was a program that would qualify me for an independent loan. The counselor then proceeded to say I could apply for this loan only if I was denied the initial loan. The loan she spoke of however asked for a co-signer of which to re-apply however, my mother was unwilling to co-sign for a loan, and clearly and boldly stated that this was something she did not and couldn't do because of her own situation. The counselor assured us based on my mothers information that we would be denied the initial loan in order to qualify for the second loan due to us not meeting the household income requirements. We trusted the counselors advice and went forward with the original application with my mother as a co-signer with the understanding that we would be denied the initial loan in order for me to be independently qualified for the alternative loan. The initial loan was denied which caused me to qualify for the alternative loan. When I completed an XXXX XXXX program I began to receive letters in the mail stating that my mother and I had a private loan at a 12.5 % interest rate. I was confused because I didnt recall being approved for a loan with my mother as a co-signer, nor did I believe that I applied for a loan at a rate of 12.5 %. After several attempts throughout the years of trying to contact Sallie Mae at the time ( now Navient debt collectors ) and no one could provide me with information on the loan but kept insisting that I make a payment. Since no one could provide me with information, I refused to pay the loan. As a result, I began receiving harassing phone calls from debt collectors ; they even began to contact my mother and threaten to sue her if she failed to make a payment. Because of fear and intimidation, my mother made a payment thinking it would stop the abusive tactics from debt collectors. I eventually was able to reach upper management of Sallie Mae and they informed me that the original loan with my mother as a co-signer was initially denied but then months later it was approved. This was all without my knowledge. Sallie Mae claimed that because it was used by the school that the money is still owed, regardless of me being informed. When I expressed my grievances they refused to acknowledge any wrongdoing and insisted that I pay. I did some research on the school and its name has changed to XXXX XXXX. I was informed that the school is now shutdown and the Treasury Department is attempting to buy the student loan debt. The current Balance amount is XXXX My purpose in writing this letter is to encourage your organization to stop this transaction from happening. These loans should be forgiven and canceled out, especially since the school is now shut down. Please help free me from student loan debt that I was tricked into this situation is putting a hold on my educational pursuits as well as living domicile please help me from being trapped in bonds of undeserved debt and poor credit worthiness due to the unfair and illegal practices of XX/XX/XXXX/XX/XX/XXXX To add to the XXXX XXXX was and is not transferrable to other schools.. I ask that you investigate this case those practices and offer forgiveness of all loans originated through XX/XX/XXXX/XX/XX/XXXX. | ||||||
| 11/05/2019 | Yes |
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| This is regarding Navient for student loan servicing. I just tried to call them because I was not aware of who they are because I originally had dealings with Salliemae. Instead of explaining to me what was happening and answering my questions about why they had multiple filings for accounts on my credit report ( 2 of which were disputed and my credit score went up 41 points ), the young lady who was the representative became a bit combative and then started discussing a payment that was going to be due next week that apparently was past due. When I asked her how did she jump to that based on the questions I asked, as I still had no clue who she was or who Navient was, she started belittling me. I immediately figured it could be a social communication disconnect and asked to speak to someone else. She transferred me to a lady named XXXX who allowed me to explain what had happened. After thinking about it I believe that young lady was trained to behave in that manner, no one acts like that aside from terrible debt collectors from those scam artist companies that buy closed accounts. XXXX apologized and explained that Navient was formally known as Sallie Mae and that my account is under their new name. She provided me with the education institution where the loan originated from to clarify and verify the identity of this company. She suggested I file for forbearance. In my mind I started to realize that this is why this situation has never been fully rectified. I let her know that Navient has 7-10 accounts open or closed in my credit report and I know for a fact I didnt take out that many loans. The 2 that are greatly affecting my score need to be paid off and I asked for payment options or if there is an option for a payment plan. She seemed to want to rush me off the phone to Navient Department of Education when I made mention of payment arrangements. That was very odd. Once the consolidation officer for Navient picked up the call, and I explained that I wanted more details on how to settle my account she immediately began using confusing language and stated that theyre unable to settle or come to an arrangement in any regards to bringing my account active through those means due to congress passing a law due to the interest accrued, but she recommended that I just request a forbearance instead to bring my account active. I clarified what she was saying : basically that I can not settle, but pay the amounts listed on my credit report in full and that since congress had passed a law theyre unable to operate in any other way aside from me doing a forbearance to bring my account to current. She said she didnt say that. So I rephrased what she had said in the way that she had said it & she agreed. I knew then something was wrong, this is a major scam and it is making me feel extremely uncomfortable. I asked her for her first and last name so I could immediately look into reporting her. Talking to them to get results has proven to be useless. I looked this company up and discovered they were actually fined by the Justice Department for mishandling people in this manner and came across this contact information to file a complaint. It seems Navient is only there to keep you in debt, and that is pure evil. Im needing to move into a new apartment before my lease ends at the end of the year & get a car as I settle into a new area and they have ruined my credit! This is setting me back! Her name that she provided : XXXX XXXX XXXX. Please help. | ||||||
| 02/16/2017 | Yes |
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| The following is a post I made. These people call 8 times a day and come up with amounts that are almost more than what I make a year. I have no idea of what my status is or have I ever had forensic audit. I have an order of bankruptcy, well over a year old which these people refuse to honor. I have XXXX XXXX children I care for and I fear these people will intercept my XXXX, which is what keeps us afloat throughout the year, again. This is a criminal enterprise. NAVIENT Engages In False Claims Since " The Elected Ones '' have failed to address the issues surrounding student debt, I thought I would do it for them. NAVIENT is what one may call a privatized contracted administrator of student debt for the U.S. Department of Education, and it sucks. Of course, many are already familiar with the term " predatory lending '', but in this instance, this is a " predatory collection ''. The tactics of this privatized group is devoid of, basically, any regulation or oversight, up until now. If one has a complaint with accounts, or simply wishes to speak to someone about managing the debt, oh, let us say, due to long term financial hardship, considering that half the nation is in poverty, or due to a XXXX, or even reporting veteran status, the organization, will run you through the mill by telling you that all is well, then, turn around, without notice, and intercept the XXXX XXXX XXXX XXXX, so many need to survive for the rest of the year. Navient, trains its customer service representatives to make judicial determinations and provide false legal advice of what one can and can not do, without any congressional approval to represent the U.S. Department of Education in a legal capacity, without a license to practice law, and to whimsically refuse to honor certified orders of judgment from federal courts. It is notoriously known to engage in creative accounting, for the purposes of optimizing profits for its shareholders. If you wish to file a complaint to just question its accounting practices, Navient will direct you to a recording and inform you to leave a number for another customer representative to contact you, only to inform you that they will self regulate and investigate themselves. They seem to always find successful resolution which finds themselves in the right, without any proofs. Then, to make matters worse, if you request a direct contact to the U.S. Department of Education to file grievance, well, they are privatized, meaning, there is no regulation or oversight of what the organization does. So, to make a long story short, as this is obviously an issue far too complex for " The Elected Ones '' to take on, or perhaps it is a matter of keeping campaign funds rolling in, here is the direct number to file a complaint with the U.S. Department of Education Ombudsman. XXXX The activities of Navient were so egregiously outlandish, the Consumer Financial Protection Bureau had to file a complaint for a permanent injunction to stop this predatory, strong arming of getting blood from a stone. I believe it is nothing but a skimming scam to submit false claims in artificial services fees, just like every other privatized corporation does, to drain the Social Security Trust Fund. What better way of destroying the intellectual and economic future of a nation! Navient is nothing but another privatized hustle called false claims. Learn more : XXXX XXXX : NAVIENT Engages In False Claims http : XXXX # XXXX Stop XXXX Fraud in Child Welfare | ||||||
| 06/16/2017 | Yes |
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| On XX/XX/XXXX and XXXX XXXX XXXX XXXX I receive d emails from a representative stating that my student loan payment program was about expire and that I needed to reapply. In mi d XX/XX/XXXX t here was a major flood in the city of XXXX where I reside. Pretty mu ch every bill that I had sent out communication that they would be extending some type of disaster relief including Navient wh o sent the communication to me on XX/XX/XXXX and XX/XX/XXXX . In XXXX XXXX XXXX I r esumed my payments with Navient who told me I was behind from the previous year which I did n't see how since I was in the payment program with automatic payment withdrawals so now I have to pay additional money to get caught up. She told me that I would have to pay roughly {$500.00 } until XX/XX/XXXX to get caught up with the alleged late payments then my regular payme nts would start after. I was told that I could n't use my bank card for payment only electronic checks I did n't think anything of it at the time. Fast forward to the end of XX/XX/XXXX beg inning of XXXX XXXX they take a payment out prematurely and cause my bank account to go crazy. I call them they said that 's the date I gave them but it was n't because my payments were all scheduled on my pay day which she went to verify. She told me she would reverse it refund any over draft fees and it would take 10 bus iness days. Fine fast for ward to my next pay period which was a week later they take another payment out and I still have n't received the first refund. I call back and they have no record of the previous conversation. I speak to manager expla ining my dilemma because my bank ca n't do anything because it was an electronic check. He suggested I use my bank card to deduct payments just in case something happens like this in the future. I explained to him the previous rep told me that was my only option to be accepted into the program. My bank account was n't corrected until the end of XX/XX/XXXX . Al l this time I 'm receiving my bills from them and the amount due says XXXX not the amount I was paying. I received another email in XX/XX/XXXX of this year reminding me to renew status inthe program because in XX/XX/XXXX they would start taking out the regular amount due. I fill out the paper work and go online to see what was due fo r XX/XX/XXXX an d it said {$0.00} next payment of {$170.00} due XX/XX/XXXX . T oday I had a {$370.00} withdrawal from my account. When I called they told me I had a scheduled payment today but my program was over in XX/XX/XXXX . She told me I was in a 12 month program I explained to her that I have never been in a 12 month program they make me renew every 6 months. I also challenged her on my bill why it says I owe {$170.00} a month but I was paying {$370.00}. She said that the way the program is set up that they pay so much ahead that 's why the bill is so low. That did n't make any type of sense to me and was never told to me that I should disregard what the bill says nothing of that sort. She threw out the fact I had so much in student loans I replied my regular student loans are double that and I pay half of what you are making me pay per month. I hate calling these people because I always have some type of issue with them and it 's always my word against theirs. It 's mentally draining to deal with them. Some of those reps lack integrity and could potentially ruin someone 's life with careless approach they take. | ||||||
| 02/12/2017 | Yes |
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| I just found out that my mother [ XXXX XXXX ], who at the time was employed at XXXX, forged my name on XXXX student loans and a Consolidation of those loans. The loan dates : XX/XX/XXXX with FFEL Stafford Unsubsidized in the amount of {$3500.00} ; XX/XX/XXXX with FFEL Stafford Unsubsidized in the amount of {$6500.00} ; XX/XX/XXXX with FFEL Stafford Unsubsidized in the amount of {$7500.00} ; XX/XX/XXXX with Direct Stafford Unsubsidized in the amount of {$7500.00} ; and XX/XX/XXXX with Direct Stafford Unsubsidized in the amount of {$6000.00}. I attend XXXX and since my mother was an employee, I received tuition and technology fee waiver for each of the years I attended. I then learned that my mother consolidated these loans, using my name, on XX/XX/XXXX with Direct Consolidation in the original amount of {$37000.00}. I never signed for any of these loans. I was able to obtain copies of the original XXXX loans and it is obviously not my signatures. I have now learned that since my tuition and technology fees had been waived at XXXX, XXXX would send a large refund each semester. These would be sent to my parents ' house and my parents would intercept this money and used for their own living expenses. The money that was refunded and then deposited into my parents ' checking account. The original loans all used my mothers work email address at XXXX and used their personal checking account. I have requested from Navient a copy of the paperwork for the XX/XX/XXXX Direct Consolidation in the original amount of {$37000.00}. Navient said they do not have a copy on file, they said XXXX XXXX XXXX had a copy. I contacted XXXX and they said that the Department of Education had a copy. Department of Education said that XXXX. XXXX said that Navient had a copy. I would like a copy to prove that I did not take out the Consolidation loan. My mother and/or father have also taken out a deferment for the Consolidation Loan forging my name. When I found this all out on XX/XX/XXXX and started to question my parents, I have learned that my parents made a payment on the Consolidation Loan on XX/XX/XXXX in the amount of {$250.00}. It had been confirmed that a payment had not been made since XX/XX/XXXX. I have lots of documentation, but to numerous in number to upload. I acknowledge that I have XXXX student loans that I took out on XX/XX/XXXX and I am solely responsible for those loans. I am seeking an acknowledgment that I am not responsible for the Consolidation Loan. That it will not appear on my credit report. I would hope that my parents would acknowledge sole responsibility for the Consolidation Loan. The above was my original complaint that was filed on XX/XX/XXXX. A previous complaint was filed to obtain the consolidation paperwork, which I have. As an update from this time, I have submitted all documentation with my fraud packet. As of XX/XX/XXXX, the company was in my favor that I am not responsible for the loan. The investigations team devised a plan to do a loan transfer into my parents names. However as of XX/XX/XXXX, they are refusing to sign the affidavit to carry this out. I would ask that being that Navient is in my favor, they need to grant me a False Certification Discharge. This would fall under the XXXX categories of identity theft, and unauthorized signature. They also need to stop reporting information from Loan number XXXX which is the fraudulent loan to the crediting agencies. This is a violation under the fair credit reporting act. | ||||||
| 11/01/2018 | Yes |
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| My student loans are in default so I was sent the paperwork for the company to garnish my earnings. I responded to the letter with the claim that garnishing my earnings would cause undue financial hardship, I submitted my last 2 current check stubs ( {$810.00} & $ XXXX= {$1600.00} ) along with bills. Information that was not pertinent to determining my earnings ( my pay rate, employee ID # ) as well as my account # for my bills, VIN # for my cars were also blacked out this is something that I have done with previous hearings. I received a letter from the hearing officer stating my claim was denied because I put N/A for questions like spouse income when I clearly stated that I am SINGLE so a spouses income does not pertain to me, I also stated household total as 1 which is ONLY me so there was no other income to report. It also stated that I submitted something that appeared to be a car not payment form, the form clearly shows the make and model of the car along with the bank that I make payments to and the amount of the payment which is {$510.00} the only thing blacked out was my VIN # & account # both things that weren't relevant to what the bill was as well as the payment that is due monthly. I sent a copy of the front page of my lease agreement that states what my rent is monthly ( {$600.00} ) but the officer stated that it was a unsigned lease agreement, the page with our signatures DO NOT show what I pay a month so I did not include that page. I also included what I pay a month in car insurance for my vehicles ( {$160.00}, {$330.00} ) and the officers response was a sense of confusion like they had no idea why I was paying insurance for my vehicles and to date I have had to cancel the insurance on one of my vehicles because of the wage garnishment I could no longer afford it. I sent my electric bill which was over {$200.00} because it was doubled, my cell phone bill which is {$330.00}, cable bill {$230.00}, renters insurance {$25.00}, groceries/food {$200.00}, personal/clothing items/cleaning items were about {$130.00}. Even without adding all of my bills and only totaling my rent ( {$600.00} ), car note ( {$510.00} ), car insurance ( $ XXXX+ {$160.00} ), electric bill ( {$100.00} ) & household/food/clothing ( {$300.00} which is below the IRS standard of living for XXXX person which is {$630.00} a month ) which totals over {$1900.00} that my monthly income of {$1600.00} which is not guaranteed it is based off of a client showing up for XXXX XXXX & if not I get sent home that I COULD NOT AFFORD garnishment of my earnings and that it would cause undue financial hardship. My most recent check was only {$510.00} because the garnishment which totaled {$91.00} so I was unable to pay my car note of {$510.00} and had to get an extension with is going to cost me and extra {$98.00} so my note is now {$610.00} on top of having to pay {$650.00} for my rent! This garnishment has put me in a extremely bad financial position, I am in jeopardy of losing my car without an out since I could no longer afford the car insurance on my car that is paid for, nor can I buy a battery or tire for it because I have no extra money, all my bills are double and with my rent increase I may not be able to afford that as well something will have to go and then I won't be able to hold on to y job because I won't have a car. This happened because someone was more worried about vin # 's and account numbers being blacked out rather than my earnings & total of my bills! | ||||||
| 08/15/2018 | Yes |
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| I graduated from XXXX XXXX University in XX/XX/XXXX. At that time I consolidated all federal loans into XXXX loan with a total of {$21000.00}. After graduation I continued to defer my loan until I was able to set up a repayment plan. In XX/XX/XXXX I XXXX XXXX to my XXXX son and unfortunately lost my job. I was out of work and a XXXX mom overwhelmed with life and unfortunately neglected to continue deferment on my loan. This caused my loan to fall in default. In XX/XX/XXXX my husband filed his taxes, and without my knowledge there was an offset on my name due to the past due student loans. This caused his tax return to be held which was {$10000.00} ( unsure of exact amount ). Upon figuring out that it was caused by my student loans, we were advised to file a Injured spouse form. This is because the income was my husbands and not mine. After a few months the IRS returned his tax return. I notified the IRS to find out what to do to fix the issue. They advised me at that time that Navient had been the one who had the offset placed on my name. I contacted navient in XX/XX/XXXX to rectify the situation and bring the account into good standing. I spoke with a rep at Navient and explained my situation, they told me the amount of my outstanding loan to be {$17000.00}. Unfortunately I did not have any prior paper work stating my actual student loan amount that was consolidated in XX/XX/XXXX. I knew I had about {$20000.00} so when they said {$17000.00} that seemed correct to me at the time. The rep stated I could apply for the income based repayment plan and because i had XXXX income I could be approved for zero payments. I did the paper work and the account was placed on the Income based repayment plan for 1 year with {$0.00} payments. After a couple months I started receiving two different bills from Navient. One bill stating the zero payments due with a balance for {$17000.00} and one stating the loan was past due with a balance of over {$30000.00}. I spent months on the phone and computer researching and trying to figure out why I was getting two separate bills from the same servicer with two different amounts when I should only have 1 loan. I graduated in XX/XX/XXXX, I consolidated all my loans in XX/XX/XXXX, I have not been back to school since so why do I have an additional loan that has a disbursement date of XX/XX/XXXX which is when the IRS took my husbands tax return. When I research my loan from XX/XX/XXXX, I can account for each semester that loan paid for and it totals exactly what I borrowed during school. Where did I spend an additional {$17000.00} on school? I have spoken to Navient more times than I can count and they are never able to help. I have followed all steps they have asked me to do as far as sending in a certified letter explaining the situation as well as documentation of all money used. I never heard back from anyone. They continuously push for me to consolidate the two loans together which I refuse to do. I have also reached out to several lawyers, but unfortunately there are not many that handle these cases in my area and I am not financially in a position to fight against such a large corporation. I have been leaving them alone because I am scared of what to do and they have advised me incorrectly I feel in the past. My loans are getting ready to go in default again and I want to prevent this from affecting my financial future. Please advise me what to do or how to handle this situation. Thank you for your time. | ||||||
| 11/13/2018 | Yes |
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| I have been repaying my student loans for 6.5 years with little to no issues in making my monthly payments. In XXXX I was involved in a car accident which left me with both a new and unexpected car payment ( my job requires owning a reliable vehicle ) along with other unforeseen expenses. My husband and I found ourselves in a financial hardship and reached out to a debt relief company- XXXX XXXX XXXX . Two of the accounts that they took on are student loans that are currently being held by NAVIENT, although they were originally through XXXX, and previously owned by XXXX. With the debt relief program we were instructed to stop making payments and to change the contact information to their phone number and address. Soon however, we began to receive calls anyway, multiple times a day. Then both my parents and in-laws started receiving phone calls multiples times a day, every day ( over 100 calls within a weeks span ) regardless that they had said I was unreachable at those numbers. I spoke to them once explaining that I was in a financial hardship and that they would be paid as soon as possible but to please stop calling. The calls continued. Tonight, fed up I decided to call them myself and try to explain my situation. The man who is assigned to my case, XXXX XXXX was telling me that they had on their record that my number, the same one I was calling them from was a bad number they could not call and that was why they were continuing to call the other numbers. I stated that I have also been receiving calls and the others had told them I was not able to be reached and to please stop calling. After confirming my phone number with them, he continued on to the matter of my loans not being paid on. He was explaining what the next steps would be if I didnt make payments, about going into default and that they would seek the help of a collection agency and the risks associated with that. I told him that I understood and that unfortunately we were in a financial hardship and unable to make the payments at the moment, that they would be paid once we were able to. I stated that we were working with a debt relief agency that they would be reaching out to them to work out a payment plan. That is about when the conversation turned. XXXX became very nasty with me. He began threatening me and implying that I am stupid for going to a debt relief program saying that they werent going to help me at all and that NAVIENT does not and will not work with agencies like that, and that they are going to wind up suing me. I stated that I will face it when it comes. XXXX scoffed at me mocking what I had just said. He then brought up the auto loan that I took out in XXXX and was saying that clearly I am capable of managing credit. I tried to explain that the hardship we faced began with that, that if he looked at my account he would see I made payments through XXXX but then had the hardship. Without even allowing me to speak, he started talking about how of course because a lot of people all of a sudden have financial hardships after taking out auto loans and something about a lack of responsibility. He was yelling over me not allowing me to speak. I said that he didnt have the right to talk to me the way that he was, said I would not listen to it anymore, said goodbye and hung up. My husband and I agreed there are much nicer more professional ways he could have spoken to me and that his practices are both unfair and unprofessional and he should not get away with it | ||||||
| 07/09/2020 | Yes |
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| Hello, I understand that Navient thinks data was reported accurately to the credit agencies, but the way it was reported was very damaging. I had open emails with Navient regarding my loan consolidation and the confusion of repayment of my loans when this hit my credit report. Navients reporting to the consumer reporting agencies was done in such a way that it would crush anyones credit. I show about 15 late payments on my credit report. To the credit agencies they see this as 15 delinquent accounts, which is just not the case. I was waiting for my loan consolidation when this happened and I was trying to get in communications with someone at Navient to get a handle on my repayment. The timing was terrible and it was a complete shock that Navient reported this when we clearly had open discussions about consolidating my loans and I was waiting on responses from Navient. The communication issues when trying to figure out my repayment plan went on and on and it was unacceptable that you can not get in touch with someone to discuss your account in detail. Not only does my credit report show 15 delinquent accounts, but when my loan actually was consolidated, my past accounts with Navient were removed from my credit report so my 'credit age ' was drastically shortened as well! This shows me as closing a credit account and opening a new account which completely destroyed my credit score as well! Navient has not made it easy to repay my loans. There are 13 loans, some Stafford, some direct, some subsidized, some unsubsidized. Some had payments of {$70.00} and others $ XXXX. It was never made clear on what I had to do to pay these back without completely breaking the bank. As you can see, it is very confusing and stressful. The only time Navient calls me is to try to sell me the Navient ReFi, but when I try to get actual data on my loans, it goes nowhere. It's just sales tactics when I try to talk to an actual person for help. I understand that Navient has 6 lawsuits currently in progress due to similar issues that I have stated above. Please point me in the right direction. " Navient Corp., a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. '' I need my credit report to be cleaned up. I need Navient to make this right. I make my payments on time ( even during the pandemic ). My loans are now consolidated. I just need my credit report to remove those 15 delinquent accounts. It is ruining my life. All the underwriter requires is a letter on their letterhead, noting these delinquencies, stating they were paid in full and have been removed from my credit history. I authorize anybody to verbally release this information to the credit bureaus. Navient Account # : XXXX FYI I have had almost no response from Navient in months. My main contact, a customer advocate, has not responded to me in months. No response from XXXX. No response from XXXX. No response from XXXX What am I supposed to do? How is anybody supposed to get answers? They don't have a problem communicating when a payment is late. I am asking for some assistance to help with the XXXX. reporting to the credit agencies to try to revert the damage done to my near perfect credit score. I need to obtain a loan for my family ( and new XXXX ). Navient is stopping this from happening by destroying my credit because of their communication issues and disorganization. | ||||||
| 10/19/2019 | Yes |
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Web | Servicemember |
| This website would not allow me to enter the correct school that I attended. The name of the school is XXXX XXXX XXXX XXXX, the name of the school changed to XXXX located in XXXX, Nebraska. THE COMPLAINT : On Friday, XX/XX/2019, at XXXX XXXX ( CST ) I called Navient and spoke to a representative named XXXX operator Id XXXX or XXXX, I asked the representative to simply send me an income driven repayment form by mail or email as I have done previously and had no issues with other representatives sending me the requested form. XXXX told me that he could not send me the form by mail or email, I made several attempts to get him to do his job and just simply send me the form, he refused. XXXX began to tell me to call some other number to receive help. I requested a supervisor, XXXX then told me that I didn't need to speak to a supervisor because he would send me the form. I requested a supervisor a second time, he then told me that he would need to place me on hold for 3 to 6 minutes while he located his supervisor. XXXX returned to the line after several minutes and told me that he sent the form and he attempted to rush me off the phone, I asked him a third time to speak to a supervisor, XXXX proceeded to tell me that he was not going to get the supervisor because I did not need to speak to one since he decided to do his job and sent the form. I requested a supervisor a fourth time, he informed me again that he would need to place me on another hold to locate the supervisor. Several minutes later a representative by the name of XXXX operator id XXXX identified himself as the supervisor and informed me that XXXX told him the reason he refused to send me the form was because he tried to make sure that I qualified to receive form and that I refused to provide him with the information needed to verify that I qualified to receive the form, this is a lie. I informed XXXX that if he listens to the call he would see that XXXX was not being truthful. XXXX then informed me that he would listen to the call, he then told me that the poor customer service that I received from XXXX does not affect me in any way, this is also a lie. I informed XXXX that the level of customer service that I receive does affect me, and that comments like that lead me to believe that he is not going to take this issue seriously. I asked XXXX who could I file a complaint with and he replied " I don't know what number you are looking for but all I can give you is the Navient customer service number. '' The number I called to reach XXXX. This type of customer service is unacceptable. That agent refused to do his job and escalated a situation that could have been resolved without a supervisor. Please review the call between XXXX and I, and XXXX and I, to ensure that we the consumers are receiving the highest level of customer service possible. I no longer trust any of these representatives to do their job, I do not believe that XXXX sent me the correct form, I do not believe that XXXX will properly review the call based on his bias comments, and I do not think anyone in the company cares about the poor customer service that Navient is providing. I never want to have to call or deal with Navient ever again in life, these representatives and supervisors are a true disgrace. Navient should really clean house if they care about the consumer in any way, in the meantime I will find a way to get my loan transferred to another company, at this point anybody has to be better than this. | ||||||
| 11/22/2016 | Yes |
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| XXXX, XXXX XXXX XXXX Account XXXX Signature Loans - Non Federal XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX, XXXX Navient XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Consumer Financial Protection Bureau XXXX : XXXX Dear Navient and Consumer Financial Protection Bureau ; The purpose of this letter is to file a complaint because my husband and I were called liars three times by a Navient Representative. The second reason is to present proof that we have made numerous attempts to reach out to Navient to respond to the XXXX signature student loans XXXX, XXXX and XXXX. Liar, Liar & Liar On Thursday, XXXX XXXX, XXXX, we placed a conference call to XXXX ( Navient 's phone number ) from XXXX ( XXXX, XXXX XXXX XXXX cell phone number ). The time was XXXX. and the call lasted eleven minutes. We proceeded to inform Navient of the communications and required documents to the attention of the private loan department at XXXX on XXXX XXXX, XXXX at XXXX and XXXX XXXX, XXXX at XXXX. We had a drastic change in income. The Navient Representative stated, " I know you are lying because we do n't even list a fax number on any web site. '' I attempted to tell her, we also mailed this information to Navient Private Loans, XXXX. XXXX XXXX, XXXX, PA XXXX. The Navient Representative stated, we did n't receive anything and you are lying. I continued to try to tell the Navient Representative that I have missing credits. My husband and I made a couple payments based off of XXXX special payment Navient letters. Again, because I did n't have the actual letters for codes in front of me, the Navient Representative did n't believe me. False Litigation Review Letter Content I am contesting the " content '' contained within this letter. It is incorrect because I have been responding to Navient in several methods. The letter is dated XXXX XXXX, XXXX, however, I did n't receive it until XXXX XXXX, XXXX at XXXX in between my door. This was also delivered by XXXX. So why the false XXXX XXXX, XXXX date on the letter??? Please reference the following to validate the information provided above. Navient 's Own Private Loan Fax and Mail Information XXXX XXXX, XXXX Fax Confirmation, XXXX Pages ( I sent to Navient ) XXXX XXXX XXXX, XXXX Navient Special Program Opportunity Letter XXXX for " XXXX, XXXX, XXXX '' XXXX XXXX, XXXX My Payment Confirmation XXXX of XXXX Paid by Phone to XXXX for " XXXX, XXXX, XXXX '' XXXX XXXX, XXXX Payment Confirmation XXXX of XXXX Paid by Phone to XXXX for " XXXX, XXXX, XXXX '' XXXX XXXX, XXXX Navient Letter " Make Us An Offer '' XXXX for " XXXX, XXXX, XXXX '' XXXX XXXX, XXXX Letter I Mailed to Navient ( Form, XXXX Taxes with XXXX, Current Unemployment, etc. ) XXXX XXXX, XXXX Fax Confirmation, XXXX Pages ( I sent to Navient ) XXXX ( Form, XXXX Taxes with XXXX, Current Unemployment, etc. ) XXXX XXXX, XXXX My Payment XXXX Confirmation XXXX of XXXX through Web Account XXXX XXXX My Current Web Account History ( Signature Loan Past Due States Since XXXX XXXX, XXXX ) XXXX XXXX, XXXX Navient False Litigation Review RECEIVED XXXX XXXX, XXXX XXXX for " XXXX, XXXX '' XXXX XXXX, XXXX XXXX Envelope ConfirmationXXXX XXXX XXXX XXXX, XXXX This Letter in Response to False Litigation Review Current household income for XXXX is XXXX net weekly with a mortgage payment of XXXX. We are not refusing to pay we are simply trying to have a place to live first. Next, is food with our XXXX monthly food stamp budget and once a month food pantry supply. | ||||||
| 02/28/2019 | Yes |
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| I graduated with a XXXX XXXX in XXXX in 2012. I just recently ( the past 3 years ) got a full-time position. I have been paying my loan for several years using the Income Driven Repayment Plan. I pay on time every month. Just recently, I noticed things were not getting any better, and I decided to check my loan balance. I wrote it down at the beginning of XXXX. It was XXXX, XXXX. I paid again on XX/XX/XXXX, and my balance was up to XXXX, XXXX, XXXX. I haven't missed a payment, I pay on time, but I am not making any headway. I decided to call to find out what was going on. The first women told me in 25 years my loan would be forgiven. I will be XXXX. She did not offer any help, so I called back. The second rep offered me the graduated repayment plan, if I paid a {$5.00} exit fee, and put my loan into forebearance. I asked about the interest during that time, and she said XXXX would accrue. I then asked if there was a different option, and why is it that I would have to pay {$5.00} to exit, plus the interest. She then told me I could straight up pay XXXX to exit the plan. I do not have an extra {$2000.00}. I ended up paying the XXXX, and told her I would pay the XXXX during the forebearance. I had also just paid toward my monthly payment, and she told me that XXXX would go toward the interest during forebearance. She also stated that my loan would be paid in 10 years because the payments go up a little every 2 years. I was feeling better. This morning, I checked my email. I had 4 emails regarding my NEW plan, which is actually the SAME one I am currently on. Not the graduated plan I had spoken to the rep about. I called again this morning while at work. The women told me she would email the information about the graduated plan in 2-4 hours. It is XXXX. I called this morning at XXXX. She asked me if I wanted them to also send correspondence via postal mail. I said yes. I wanted all the confirmation in writing that they could provide. I also just sent them an email on their website : Good evening, I had contacted a representative yesterday regarding a different payment plan. I paid {$5.00} to exit my Income Driven repayment plan, put it into forebearance until XXXX, and then begin a Graduated Repayment Plan at {$600.00}. I received 4 emails stating the terms of my Income Based plan. This is not correct. I DO NOT have this plan any longer. I exited out for XXXX and switched plans. The rep told me my new payment was going to be {$600.00} and some change, that I could pay the interest while my loan is in forebearance, and my NEW payment would start the XXXX of XXXX. EVERY email correspondence that I have received does NOT reflect the changes. I phoned this morning and the rep offered to email me the NEW terms for the graduated plan, and that I would receive them within 2- 4 hours. I did not. I also asked her to mail them. This is poor business practice, and it does not " help '' your borrowers at all. The recording that is repeated while on hold states that Navient is there to help borrowers get out of debt. This has not been my experience. As a matter of fact, I am MORE in debt due to the plan I was offered prior to my queries yesterday. I split my payment, and always pay BEFORE it is due. This has not reduced my interest at all. I expect someone to respond with the CORRECT information about the graduated plan I was offered. I am displeased at the dishonest business practices used by this company. I am trying to get out of debt. | ||||||
| 12/13/2017 | Yes |
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| I was advised by a Navient Customer Service Representative to file for XXXX Loan Forgiveness, even though I was applying for PSLF. This representative stated this would only help me by lowering my monthly IBR payment because it would lower the overall amount I owed ; therefore, lowering my payments. I asked two different representatives the same questions, " Would this in any way influence the PSLF and the 120 payments toward the PSLF? '' And " Can you apply for both, and one not effect the other because if it does I, obviously, want to stay with PSLF because I will have more monetary loans forgiven than just a {$5000.00} forgiveness with XXXX Loan Forgiveness? '' Both representatives on two different phone calls, assured me that this was what was best for me and that I should turn in the XXXX Loan Forgiveness paperwork, and it would not interfere with the payments. I then asked, " Can I still continue paying during this 'mandated deferment ' while you process my paperwork, because I want it to go toward my 120 payments for PSLF? '' They stated that I could in fact continue paying my monthly payments, and that it would CONTINUE to go toward my 120 payments for the PSLF. This was a lot of money, so I then asked to speak to a supervisor, whom I asked the same questions while on speaker phone with my husband. I received the same answer, that this was what would lower my payments, and it would not interfere with the current payments toward my 120 payments for PSLF. Now, after being switched to XXXX XXXX, I am being told that this was not in fact the case. After months of being told that they could not find my payments before XXXX, I finally spoke with a representative from XXXX XXXX today, that told me it was due to the XXXX Loan Forgiveness, and my payments before that would not count. This is a crucial error on Navient 's part. I feel this is malpractice, and could potentially now cause me to pay an extra six years on my loans. Six years at my current payment is over {$13000.00} more than I would have paid. It is so disheartening to be told something different with every company my loan has been switched to ( XXXX XXXX, Navient, and now XXXX XXXX ). How can I the consumer, trust a company that is placed in charge of managing my student loans? How are these customer service representatives trained, if every single person has a different answer or solution to a problem? I would like my XXXX Loan Forgiveness to be returned to the Federal Government, adding it back onto my loans. Therefore, my payments toward the 120 payments toward PSLF would begin when I began paying my student loans back in XXXX and not restarting in XXXX. The above is the letter that filed as a formal complaint with XXXX XXXX XXXX. They sent my complaint to Navient, and I received a letter back that my phone calls were reviewed and the outcome is that because my PSLF questions and XXXX questions were in different phone calls there was no way for them to know I was interested in both forgiveness programs. I have two problems with this. One, I know I specifically asked the customer service agent if this would interfere with my current payments for PSLF. Two, as customer service for a student loan company should n't they be advising me on the best possible scenario for my loans as well as look over my history with their company. I have called Navient back, with no response to ask to hear these phone calls and discuss further these concerns to no avail. | ||||||
| 10/30/2019 | Yes |
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| I have been working with Navient to pay off my student loans for several years. I set up a graduated repayment plan for my loans and track independently as well as on their website when the minimum amounts change. After my XXXX payment ( XXXX ) I noticed that my minimum payment for the next month ( XXXX ) went down by {$20.00}. I did not request a reduction, I had anticipated this amount going up as I entered the last few years of payments. Although I understand that I can overpay, if I had not caught this it would have extended the amount of time I was paying on this loan. I intend to pay it off by the end of this year, but this seemed an inappropriate change, especially because I did not request it and I did not approve it. In addition, recently my parents paid off loans for my brother. My father co-signed one loan with me but my parents do not and did not intent to make any payments on my loans. My parents arranged to pay off his loan with proceeds from selling their house ( yes they are selling their house to pay off student loans ). Navient was supposed to put all the funds towards my brothers loans so that those would be paid off. Instead they made a partial payment to his loan ( leaving a balance ) and then put money on my loan which was NOT something that was discussed or requested. After some time on the phone in a 3 way phone call with my self, my father and Navient, they said they would take the funds back, pay off my brother 's loan like they were supposed to and return to my parents and unused balance ( even though my parents sent in the amount they were told would cover the whole balance ). I have paid off 4 of my 8 student loans ( undergrad and graduate ), each time I paid off a loan I sent in the amount listed under the section on their website " Ready to pay off this loan today? '' This is where they list the amount you should send in if you are paying online or through the mail. I pay my loans exclusively online. I would send in the amount directed on their site for that specific loan only to have a small remaining balance after my payment cleared. Every final payment ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) had to be sent in twice. Once for the amount they suggested and then again for a small amount, usually a couple of dollars $ XXXX, in addition because in the time I sent in the amount they suggested and when they chose to process and post my payment they would charge me additional interest. They know how long payments take to post, this is why they have a online vs. by mail suggestion for the final payment. This is a trick to collect more interest and avoid giving me the information I actually need to complete the final payment. I believe this same type of motivation was behind posting the payment to the wrong loan, to avoid the loan being paid off to collect more interest in between when we processed these payments, identified the errors and made the corrections. For the first example with my brother 's loan and my parents payment, they said it would take until the XXXX of XXXX ( original payment made XX/XX/XXXX ) to show the transactions had been fixed. I asked the customer service representative if they would be charging interest to my brother 's loan, knowing they are the reason it is not paid off and now needs to wait until the XXXX to be processed properly. The representative said he would make a " note '' that the payment should be back dated to try to avoid additional interest. | ||||||
| 12/14/2017 | Yes |
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| So I graduated with my degree in 2005 From XXXX XXXX. I received my XXXX XXXX XXXX XXXX XXXX. My student loan debt I borrowed was around {$18000.00}. At the time after I graduated I was working 2 fulltime jobs. Making a car payment, insurance, rent, utilities etc. I was barely making ends meet and had several times power shut off, or skipped payments to other bills because I made so little. I was constantly getting calls from my student loans to make payments. All of which I could n't even afford the minimum payments. At the time I ran from debt calls, I called a few times to make payments and they were too small and would not work with me over the phone. I ran from payments for as long as I could since I was barely making {$15000.00} a year with two full-time jobs. My pay was horrible despite working so much. After a while, I got letters about forbearance and used those even though I wanted to make payments I could not get the minimum payments down. They were not accepted at the time. I would have been happy paying XXXX to XXXX dollars and still struggling with that. They were not excepted. I was in my XXXX 's at the time I wish I knew then what I know now. Over the years, it was just replying yes to an email to postpone and file forbearance. It was so easy, I remember once just calling in and the operator 's first response was Hello XXXX XXXX we understand you would like to file forbearance. Even though I did n't even say that or mention it. I wanted a payment plan at the time. I remember thinking at the time I will NEVER be able to fix my student loan debt. I just wanted to make payments. My interest charges just stacked and stacked and stacked over the years. I am now XXXX. I have a family, I am married and I want to pay off my loans as much as possible. The ONLY reason I am now able to make payments is because of my WIFE helping me with her income alone. This is sad, and it hurts to see her income helping me fix my loans. It was almost as easy as when credit card companies were able to just go to college campus say sign here and you had a credit card and were able to use it. I too was young and XXXX and fell into that trap. I have since learned many lessons. I am annoyed that Imy student loan debt has grown to over {$45000.00} dollars from Navient and XXXX XXXX. They have grown their interest charges so much that they have racked in over 27000 dollars. I went the local college rout and I also did the university rout to finish. I worked full time while attending school fulltime with XXXX credit hours. It was an XXXX degree and that was never going to help me pay my bills. It was never going to help me in my future. I have no clue what I was thinking at the time going for art and thinking I would find a job to help me with my future with it. These are the things that make student loan forgiveness worth a try. I would never send my child to college after this, my wife feels the same way. Never would I want someone to get into debt and not be able to afford their future for a piece of paper that barely helped you to begin with. College is a joke and Colleges are just business. I do n't know anyone in my life who would say different now. I would like to file a complaint. If I owed what I owed back then I think I could pay my loan off. I could pay XXXX dollars and feel good about paying it off. Owing what I owe now after years of interest charges I find a never-ending payment until I die with interest just growing and growing. | ||||||
| 05/19/2017 | Yes |
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| Issue : Navient has not followed my instructions on applying my extra payments XX/XX/XXXX. Navient associate told me that there is no record of the instructions I provided on three occasions in XX/XX/XXXX. Background : The standing account instructions I provided Navient for handling extra payments originated from CFPB 's sample letter on the agency 's blog : https : //www.consumerfinance.gov/about-us/blog/consumer-advisory-stop-getting-sidetracked-by-your-student-loan-servicer/ Timeline below -- -- - XX/XX/XXXX -- I submit my payment instructions to Navient by mail. XX/XX/XXXX at XXXX - I called to confirm that my standing account instructions for handling extra payments had been received and properly applied to my account. Navient associate informed me that instructions were not received and he directed me to submit my instruction letter through upload.navient.com. Associate then told me that he retroactively applied my instructions to previous two periods. XX/XX/XXXX at XXXX -- I called again to confirm Navient received the document with my instructions which I sent through their site. Navient confirmed receipt of document and associate informed me that my instructions would be applied to most recent payment no later than XX/XX/XXXX. XX/XX/XXXX at XXXX -- I received email confirmation that Navient received my document which detailed my standing payment instructions for handling extra payment. XX/XX/XXXX at XXXX -- I called to verify whether my overage payments were properly applied. I expected to see a reduction in my minimum payment aligning with how I instructed my extra payments to be handled. Navient associate informed me that there was an " error '', so the request was not processed. Navient associate resubmitted my instruction request and and told me that it should be in place within 72 hours. I asked associate to email me once the process has been completed. -- ( Email confirmation from associate to confirm completion of the process never received ) XX/XX/XXXX at XXXX -- I called to verify whether interest accrues daily or monthly and also called to confirm whether my standing instructions for handling extra payments were properly applied since XX/XX/XXXX. Associate confirmed interest accrued daily. Associate also informed me that there was no record of my standing instructions in Navient 's account notes for me. As a result, my instructions were not applied for XX/XX/XXXX or XX/XX/XXXX. I sent a screenshot of email which confirmed receipt of document I sent in XX/XX/XXXX. I resent instructions through inbox portal as instructed by Navient associate. Associate told me that all prior payments of $ XXXX amount will be adjusted to align with my instructions. -- -- It is incredibly frustrating that Navient makes the process of putting extra money toward my student loans so difficult. This has been the latest of a string of issues ( incorrectly direct debiting from my account for their program and adding friction to repayment by demanding I call in every payment to have my extra payment manually adjusted ) I 've had with Navient since XX/XX/XXXX when I started paying extra toward my loans. Had I not checked to verify that Navient followed my payment instructions sent in XX/XX/XXXX, Navient 's actions to apply my extra payments equally across all my students loans instead of directing my payments toward the loan with the highest interest rate and lowest balance would have cost me more in interest and prolonged repayment. | ||||||
| 02/11/2021 | Yes |
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| During the time period of XXXX, at age XXXX, I took out a private educational loan from Sallie Mae, which is now Navient. The original amount borrowed was {$16000.00}. I used this money for various educational expenses on my way to earning an XXXX XXXX XXXX from XXXX XXXX XXXX, a XXXX XXXX XXXX from the University XXXX XXXX at XXXX, as well as a XXXX XXXX XXXX from the University XXXX XXXX at XXXX. With my continuing education, my financial aid added up quickly. While I was attending school and in various forms of repayment status, Navient made it very difficult to work out a solution to my repayment needs. Early in the process, the customer service department at Navient continued to have me file deferments and forbearances, only to sink myself deeper in debt with no real relief in sight. At no point did any representative suggest programs or repayment options for public servant positions ( XXXX ). After years of payments, they allowed me to create a situation where the minimum monthly payments no longer covered the interest and service fees that were being added on monthly. I feel that I was purposely misguided at a profit to them. As I graduated college and began working as a XXXX, Navient never once guided me toward XXXX loan forgiveness plans or public servant aid that were available. They never suggested any plan to where I was on the road to consecutive payment forgiveness or a process to reduce my overall financial aid debt. Due to their negligence and misleading endeavors, the original loan amount of {$16000.00} had ballooned out of control to nearly {$36000.00}. Interestingly enough, this outrageous amount was the result of their qualified advice. In 2016, due to the death of my parents, I inherited an amount of money that would allow myself to get my finances in order so that I could be debt free. When I called to try and settle my account, no one at Navient would allow me to do so. The creditors were rude and told me they do not settle loans of my amount or of my type of loan. After getting forwarded to different managers and specialists, over a number of frustrating weeks, I was sent to a group that even told me settling for a one time, lump sum payment of {$25000.00} would not get my debt resolved. At that point, I was told that I could pay that amount toward my debt and move back to fixed monthly payments. Again, it was never suggested or advised by anyone that I should enter a plan so that the debts could be forgiven due to consecutive years of payments or because of my employment as an XXXX. Finally, they called me back with a settlement offer of {$31000.00} ( roughly 85 % of my overall debt ). They told me that this had to be paid in one lump sum and was non-negotiable. The way the interest was accumulating monthly, Navient representatives made this seem like it was the best course of action. Quite possibly the only course. So, reluctantly, I paid them a full, one time payment of {$31000.00} because they advised that this was the only way to keep interest from accruing and furthering injuring my credit. May I reiterate, there was no mentioning of the various plans of assistance available to me. In light of recent issues where Navient has been viewed as doing wrong to borrowers, I am hoping to have this amount paid back to me by Navient for their misguided & corrupt practices that went on for years. At the least, I would like the information to existing class action cases involving Navient 's ineptitude. | ||||||
| 04/08/2020 | Yes |
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Web | Servicemember |
| In 2005 Navient talked my wife and I into consolidating our student loans ( {$25000.00} ) which I do not believe was the correct amount as some of the loans were written of due to my XXXX and being out of work for 4 years. When I requested the copies of the original loans to be sure they were correct, they never provided them to me. I was threatened to have my accounts turned over to credit bureaus unless I signed the consolidation of our loans. While I was in graduate school ( XXXX XXXX and XXXX XXXX ) I applied for forbearance and understood it was granted each time only to find out later it was not. I called repeatedly to have them change the status on our loan during that time when I received something in the mail. Each time I was denied and argued to them that I was in school and applied for the forbearance each time. I have also requested to get copies of the previous transactions on the loans before they were consolidated and they tell me they do not have copies. I have called Sallie Mae and Navient on this issue and both tell me they do not have that information. I have repeatedly told them I want to file for loan forgiveness and they tell me I do not qualify. I requested this when I was a professor at the XXXX XXXX XXXX at XXXX and recently as a professor at a XXXX XXXX XXXX XXXX. Even though I firmly believe I do qualify, I am told I do not and can not get anyone at Navient to assist me in this matter. I also firmly believe that have fraudulently created accounting error on purpose to my account to get more money from me. The account I have now will not allow me to see any of the previous payments made under Sallie Mae. Nor will they give me that information to see how much I have paid in total on these loans. Since the consolidation of the loans I have paid {$36000.00} in Principal and Interest alone. I believe I have paid somewhere in the neighborhood of {$50000.00} total from the old and new loans but can not get any kind of confirmation. I firmly believe I was not given the forbearance because they wanted to be sure to extend my loan where I would have to pay more. The list below indicates the issues with Sallie Mae and Navient : 1. They have prevented me from obtaining information on my account ( old and new ). 2. Fraud in processing forbearance and therefore the payment and process. 3. Never did anything when I complained about the Forbearance while I was in school. 4. I requested a lower interest rate, to re-consolidate and was denied for no reason. 5. I informed them that some of the previous loans were written off due to my XXXX and inability to work. I firmly believe these loans were consolidated into the current loan illegally. 6. When I requested student loan forgiveness, I was told I did not qualify which I feel is false after looking at the programs. Overall, I feel I have been scammed out of my hard earned money. As a XXXX veteran, former XXXX XXXX and a XXXX, I feel I should have been give more information in the programs for loan forgiveness. I also believe I have been deceived in their entire process. I am certain I have more than paid my loans and then more. The really bad part is I have no idea how much as been paid on the previous loans before the consolidation. I am attaching an XXXX spreadsheet but it does not contain any payment under the previous loans before consolidation. I can not even make head or tails from their accounting system to see how much I have truly paid. | ||||||
| 12/14/2022 | Yes |
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| I had over {$20000.00} in student loans when I graduated in XXXX. For years I was given an unmanageable payment amount of between XXXX XXXX. I did not start working fulltime until 4 months after graduation and I started at XXXX. I tried to talk to them about my payments but they remained high. As a result, I attempted making the payments but ultimately ended up with a lot of forebearances. After forebearances, of course, the amounts went up even further due to capitalization. Eventually, I ran out of forbearance time and still couldn't pay so I went into default. In the process of forebearances and default, my loans went from company to company. In XXXX, I was suddenly eligible for an income repayment plan. I was put on a very affordable payment plan of XXXX dollars and change each month and made the payments XXXX. In XXXX I had some payment difficulty and while federally we were aloud relief from payment, Navient refused me. I was soon able to get back on track. In XXXX my payments we up but were still under XXXX. This I understood because I was employed with a school district that was paying me XXXX year so my income was also up. I lost that job and ended up on the XXXX year of XXXX and also ended up having to move. My new job was a cut in pay so I expected my payments to go back down. Instead they have gone up to XXXX and chance, almost triple where I started don't this plan in which I had been much more successful than before. In asking about why this increased, they told me that the income repayment plan no longer goes by just my income but now also the amount of my capitalized debt. They also could not offer me anything lower they said. This past month I fell behind and paid XXXX weeks late. Now, this week they are stating that I am 30 days delinquent and am offering me a XXXX payment plan. The lady told me that on either plan, my payments would continue to go up over time as they continue to capitalize each day. In addition she claims that I still have not made a payment although I did last week. I asked her why I am not eligible for any of the deferment and non capitalization that is given federally on my FEDERAL loan. She told me my loan is now a private loan because it was with Navient. Navient is who contacted me when I went into default and set me on the income based repayments. They asked me when I got on the payment plan if I wanted to stay with Navient or go to another company. I told them it did not matter as my loans had been moved several times. I did not know staying with Navient would be a prison sent basically and I greatly feel that they have defrauded me and worked against me. They tiled me this plan needed to be renewed each year which I have done and that my payments would be based on my income. They also told me that after 25 years my debt would be forgiven but that I would have to pay a tax based upon the forgiven amount. No mention was made of the payment plan going up based upon capitalization. After almost 20 years of trying to deal with those insurmountable debt that just gets added to, I am fed up! Every opportunity for relief seems to come with some loophole that makes the relief null and void. Also, it seems that the terms that are promised to be permanent upon agreement are changed to me the needs of the lender over time. I bankrupted in XXXX and yet this is still with me bringing me down. Please put a stop to this behavior as these people are greatly taking advantage of many! | ||||||
| 08/07/2021 | Yes |
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| On XXXX, I paid the following amounts on the loans as indicated ( see attached document for bill pay allocation and statement confirming payment was sent ) : Federal Loans with Navient {$200.00} XXXX Signature Loan {$72.00} XXXX Signature Loan {$55.00} XXXX Signature Loan {$66.00} XXXX Signature Loan {$170.00} XXXX Signature Loan {$80.00} XXXX Signature Loan {$120.00} XXXX Signature Loan {$49.00} When they received the individual payments, Navient misapplied them. This is how Navient applied them ( see attached documents from my Navient dashboard showing min. payment due, late fee and payment allocation ) : Federal Loans ( 1-17 and 1-18 ) {$200.00} XXXX Signature Loan {$8.00} XXXX Signature Loan {$5.00} + {$55.00} = {$61.00} XXXX Signature Loan {$7.00} + {$66.00} = {$73.00} XXXX Signature Loan {$20.00} + {$170.00} = {$190.00} XXXX Signature Loan {$9.00} + {$80.00} = {$89.00} XXXX Signature Loan {$14.00} + {$120.00} = {$140.00} XXXX Signature Loan {$5.00} + {$49.00} = {$55.00} As a result, less of my payment goes towards the higher interest rate loan XXXX and in addition, I am being charged erroneous late fees and receiving multiple calls per day from Navient which is disrupting my ability to focus on work. This has been an on-going issue, please see complaint XXXX submitted with CFPB on XX/XX/2021. This complaint was marked as closed and I was assured by XXXX XXXX that this issue was corrected and would no longer occur. Please see the letter from her, which is attached. I would like to point out that this issue has been ongoing for a while prior to my initial formal complaint with CFPB. I have spoken with Navient numerous times over the years to rectify this, each time being told to jump through another hoop. We have met every single demand they have given us ( demands that change each time ) in order to allocate our payments as we indicate, however they never honor their promise. In addition to the fraudulent way they handle my payments, I am being incessantly harassed by Navient due to the erroneous late fees that result from their misallocation of my payments. Last night, at XXXX, I answered the sixth phone call from them that day. Their employee who called me was aggressive, rude and unprofessional. When I attempted to explain to her that this issue has been happening to my account for years and that every single time it warrants a discussion with a manager and still doesn't get resolved, she got defensive and told me I don't know her nor her capabilities. When I explained to her what has been going on, she said I sound misinformed. She was yelling at me, talking over me and clearly incapable of handling the problem, not only due to her role, but also due to her inability to listen to the problem and remain professional. So not only am I being defrauded by Navient, I am also being harassed and attacked by Navient as well. I am distraught because there seems to be no recourse and no accountability. My mental health is suffering due to Navient 's abusive practices. My work day is getting interrupted by their constant phone calls. I am losing sleep, having XXXX and XXXX due to this issue. I am a person, Navient is a huge corporation. I see no way out of this massive burden despite following all of the rules. They have proven time and time again that they can do this to me and others, and since we can do nothing and they continue to profit from it, they will continue to do this. Where is the consumer protection? | ||||||
| 11/24/2020 | Yes |
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| DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. US DEPT OF ED ACCOUNT # XXXX US DEPT OF ED/XXXX ACCOUNT # XXXX This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. XXXX XXXX | ||||||
| 10/18/2017 | Yes |
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| My private students loans are being serviced by navient and I have been having a plethora of issues starting XXXX XXXX. The first issue is that my loans were in repayment before the dates I was told. I enrolled in XXXX college for a semester ( 6 months ) from XXXX XXXX to XXXX XXXX. Prior to those days I pay {$100.00} in forebarance fees to navient. In XXXX of XXXX I was told by a rep from navient that my account was 3 months past due which and I had used up my entire forebarance time which made absolutely no sense because I was only out of school for 6 months and had made no payments to navient for a forebarance. Normally a student that is out of school gets a 6 months grace period before the loans are in repayment according to the rep I was only issued a 3 month grace period because of my previous use of PAID FOREBARANCE. I was then enrolled in a hardship program in which my rates were lowered and would remain as such for 12 months once I paid the 3 qualifying months. I was also assured that the 3 month delinquent credit reporting would be reversed upon my completeion. I am now fully enrolled in the program and only one loan has reversed the 3 months delinquent reporting which might I add has also adversely affected my mother who is my co-signer. This month I was hit with my lowered payment for both loans which is {$100.00} and an additional {$45.00} and {$55.00} for the loans that were to be covered by my {$100.00} payment. I contact multiple. Navient reps who gave conflicting information. Most did not know that I was enrolled into this program and simply told me my payment was delinquent again even though they saw the payment of {$100.00}. I spoke to a supervisor last week who told me that I was still enrolled in regular auto payments for the loans in addition to the hardship program payment. I was told at the beginning of enrolling in the program that all auto payments were suspended and I was only enrolled in direct check payments ( similar to auto payments ) for the three qualifying months I was only charged {$100.00} but now that I have successfully completed that trial run Im being charged twice for my loans. I spoke to two reps and a supervisor today who again did knot know I was enrolled in the program ( I was speaking to the department who enrolled me into the program ) and told me that only one loan would be refunded. I objected angrily and told them that I was told to upload proof of both payments being debuted in order for me to receive credit. Ultimately it came down to the supervisor reading extensively into the case notes to see that I am in the program and that I had called in numerous times and was told that the regular auto payment was suspended. I hopefully will receive the {$45.00} dollar credit and was told that I might receive the negative balance fee for the {$55.00} dollar payment, according to the supervisor the {$100.00}. Dollar payment was not disbursed correctly amongst the loans so thats why I was charge a late fee and report delinquent for this month. Navient and XXXX XXXX being the largest provider for private student loans should not being doing so many under hand things. I as a consumer should not be giving the customer reps information that is right in their view. My credit has been tarnished by navient due to their fraudulent business practices. And I am considering suing them for this. I hate them if you have s choice do not use them. Even if you dont have one dont use them.. | ||||||
| 09/16/2015 | Yes |
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| Grew up in a loving, working class and financially illiterate family. Attended an out of state college ( XXXX XXXX University ) somehow trusting that the finances would work out. Arrive for my XXXX year of college in XX/XX/XXXX and am unable to register because of enormous tuition and fees. Financial aid informs me that a private loan is my only course of action. I call sallie mae and sign promissory notes at XXXX years of age. I graduate in XX/XX/XXXX with around 30k of federal loans, and XXXX of private loans from Sallie Mae. In XX/XX/XXXX, I enroll in a fully funded XXXX at XXXX, in XXXX. In school deferment begins that summer. A year or two ago, when Sallie Mae turns into XXXX, I notice that any details about the 48-month limit of in school deferment disappears from the website. I naively hope that this means that the policy no longer applies. I send email inquiries about this in XX/XX/XXXX and receive no response. I receive an email XX/XX/XXXX informing me that balance is due on XX/XX/XXXX. I find another option on the website : an XXXX deferment, with its own 48 month maximum. Since I am completing a fellowship and seem to match all the language on the form, I am hopeful. I submit this several times and receive a string of bogus, unconnected responses. I am told that " dates ca n't be changed '' ( apparently my program coordinator had fixed a date by hand before faxing it in ) and that " this form is for private loans '' When I point out that private loan relief was precisely my intention in an email through the XXXX website, this rejection disappears from my correspondence history completely, and no record of my email is displayed. I am told next I need a signature from a " state licensing official ''. Every time I call in, I hear a completely different story. I am told twice times to disregard the last 30 minutes of advice a representative has given me after demanding to speak to a supervisor. Representatives tell me the form is for " moving to another state '' ( information later rescinded ) or that I must apply for in-school deferment ( also rescinded. XX/XX/XXXX, I am assured by a representative who could only email the supervisor and not put them on the phone that if I turn in the same application for XXXX deferment with the signature of my program 's director, the deferment will be processed. I repeatedly ask for this information in writing, fatigued by the hours I 've spent on hold and waiting as representatives go over the same details from my account. I receive no such written document and submit the form with the signature of the Program Director. It is denied. I receive a letter which simply says " State Licensing agency signature needed. '' According to my eye, and that of every sharp mind around me, this is not at all entailed or relevant for the request I am making. I am now informed over the phone that the " fellowship '' language only applies to medical positions, something definitely not explained or logically entailed by the form. One representative mentions that this decision is based on an internal XXXX document, not on the terms of the application that I submitted. I plead my case to a range of XXXX call center supervisors to no avail. I have 2 years to go on this XXXX. XXXX wants XXXX/month immediately, which is totally unworkable. I have spent dozens of hours battling elusive, misleading, and duplicitous customer service. This has caused me great distress. | ||||||
| 08/15/2017 | Yes |
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| I am having trouble with a XXXX Student Loan, that was bought by Navient previous XXXX XXXX. I filed a Bankruptcy last year XX/XX/XXXX and worked out a deal with my lenders. Everyone except the XXXX student loan worked out a deal. However, they did n't appear in court because they had sold the loan to Navient. Long story short, I am unable to pay the monthly payment on the XXXX loan that is now owned by Navient. My lawyer XXXX XXXX has been trying to roll the XXXX loan into the Navient Settlement, and to finally work out a payment arrangement. I can not pay the loan currently because all my money is going towards the Navient settlement and other student loan settlements set forth in the adversarial hearing through the Chapter XXXX Bankruptcy that was discharged XX/XX/XXXX. XXXX XXXX XXXX is servicing the loan. I called them to explain that my lawyer XXXX XXXX is working with Navient to roll the XXXX loan into the new agreement for repayment. Navient has stated that they will not be able to do anything until all the loans roll over completely sometime beginning early next year of XX/XX/XXXX. I contacted XXXX through the CFPB and they stated they could not do anything to forberance or defer the loan payments because they do not own the loan. Navient is dragging their feet rolling the XXXX loan they bought into the settlement that was done through the court. 1. I can not pay the amount that is owed to the loan and continue to pay the other loans that I agreed to in court with Navient. 2. The only way this can be solved is if Navient puts a forbearance or deferment on the loan until they roll it into the agreement through the chapter XXXX bankruptcy that they have agreed to do. I have called XXXX XXXX XXXX to ask for a deferement or forbearance and they will not allow it they believe I am still in bankruptcy and that is not true. Also I can not afford a modified payment on the existing loan for XXXX because all my money is going to Navient directly for the other loans on the new agreed terms through the bankruptcy. I have been trying to get this worked out for over the last 3 months, before XXXX affects my fathers credit and mine. I need Navient to put a deferement on the XXXX loan until they can figure out how they will wrap up that loan into the chapter XXXX agreement terms and settle that without using the servicer XXXX. XXXX has refused to help extend, modify adjust or allow me to defer my payments even though they know that Navient is working with my lawyer. I need Navient to put a deferment on payment until they can roll this loan into the agreement we made with the court during our adversarial hearing. I can not make any payments on this loan. This is why I had to file ch. XXXX and show my income, what I could and could not afford, and renegotiate the loan agreements. I have no money to make all these payments, and if this continues I will fail on my newly renegotiated agreement with Navient attached below. No one is communicating and it is hurting me because I can not afford to pay these loans. FINALLY XXXX XXXX XXXX said that Navient who owns the loan, can offer a special deferment at their discretion until this gets resolved. They stated that Navient can defer the XXXX loan they just bought, as long as Navient told them they could at their discretion. Right now XXXX XXXX XXXX will not defer or forbearance the loan until directed by Navient ( who now owns the XXXX student loan previously owned by XXXX XXXX ) | ||||||
| 07/13/2020 | Yes |
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| Navient this is the documents to confirm your FFELP Consolidation Loan Application and Promissory Note is fake. XXXX XXXX XXXX writes they never been the grantor/holder of the consolidation Note. XXXX wrote : XXXX, XXXX, Thank you for contacting XXXX XXXX XXXX XXXX ( XXXX ), an authorize agent for XXXX XXXX XXXX ( XXXX ) federal student loans. XXXX has received your mail dated XXXX XXXX, stating you never consolidated a student loan and Navient provided you with a fraudulent contract so you are inquiring on how to dispute. XXXX is not the current holder of your account and therefore is unable to respond to your request. Please contact the current holder of your loan Navient Solutions LLC. The second letter stated : Thank you for contacting XXXX XXXX XXXX XXXX ( XXXX ), an authorized agent of XXXX XXXX XXXX XXXX XXXX XXXX XXXX has received your email dated XXXX XXXX, inquiring what year was your loans purchased and by whom. XXXX records indicate your Stafford loans were purchased by Navient Solutions , LLC ( fka : SallieMae ) on XXXX XXXX upon completion of the bankruptcy proceedings, additionally, records indicate after the loans were repurchased and placed with Navient Solutions LLC, the consolidation of the Stafford loans took place, therefore creating the consolidation loans. Please contact the current holder of you loans Navient Solutions LLC. XXXX is not the grantor of your FFELP Consolidation Loan nor did I sign my name nor did SallieMae sign their name. Navient in your last correspondence you wrote Navient turn my student loans into a personal loan FDIC insured. Navient you had no authority to consolidate my federal loans into your personal loans. You have denied me of all government benefits. You have used my ID wrongfully for your profit. Navient you borrowed {$22000.00} disbursed on XX/XX/XXXX and another loan disbursed on the same day XX/XX/XXXX for a total of {$49000.00} when my student loans only totaled around {$11000.00}. So you can not consolidate a loan for {$11000.00} and receive {$49000.00} loan. So were is the over {$38000.00} you received Navient you have refused to send me any billing statements when you borrowed the money so I would like tell me details of were the money went The NSLD federal aid state all my student loans were paid in full. So who do I owe XXXX state they were not apart of the consolidation loan as typed on look alike SallieMae letter head. Their is no signature of mine and no Bank officer signature. Navient you denied me of all government benefits including the Covid-19 Act automatic suspend payments no interest, student loan forgiveness and all other Acts of Congress and future Acts of Congress. Under the Fair Credit Debit Act a furnisher must report accurate information or the furnisher can be find. Navient you are reporting the student loan amount wrong for one they are not student loans. They are personal loans FDIC insured as written in your last correspondence : the student loans do not belong to the Department of Ed and they are not private so they are personal loans.There are two consolidation loans on my credit report with two interest rate also confirmed with the NSLD Federal Aid and there record is correct for the two loans interest to add up to over {$74000.00}. Tell me the breakdown of the {$22000.00} loan and the {$27000.00} loan in which you combined into {$49000.00} in XXXX. Remove Navient completely off my credit report and send me my money. | ||||||
| 08/12/2019 | Yes |
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| I was attending classes through on line studies at XXXX University in XXXX, NC.I am not quite sure what happened as I was working full time and taking on line classes and I became quite ill and notified the school and they told me that I owed them XXXX. as I withdrew at the wrong time but my health condition affected my concentration and I though it best not to continue.I really didn't take that many classes at XXXX but somehow they were able to allow me to think that I was borrowing federal student loan money and I want to know how I am in debt for private loans and they recently lowered the amount to XXXX according to your last complaint closed status. I believe that lowered the full amount from XXXX to XXXX thanks to your investigation. However, I was not exactly satisfied with the conclusion of that complaint as they may have lowered the amount but they also want me to pay XXXX a month and after paying for rent, utilities and groceries, co-pays and premiums, I do not have that leftover to pay. The emotional turmoil that I went through when I found out the XXXX due in private student loans did not only affect me but I kept talking about it to my XXXX year old daughter who was also XXXX and we both paid rent and lived together for the last five years of her life. We were two XXXX people trying to do our best. However, my anger about this outrageous amount of money was something I couldn't stop talking about. My daughter passed away XX/XX/2018 and I have to live with the fact that I kept complaining about these private student loans. You will notice throughout all of my studies that I never took our private student loans until I went to XXXX. All of the loans were done on line.1) My complaint now is how did XXXX get that kind of money for someone taking 1 class every six weeks. Why I signed the forms on line not realizing it was private and not federal?2) Why XXXX allowed me to borrow that kind of money?3) XXXX says I still owe them XXXX because when I became XXXX, I withdrew from a class just a couple of days after they could collect funds from the government and they continue to put interest on this money. This is due the school and not part of the Private Loan Complaint I have already issued. 4) I can't realize how this all happened and how the Private Student loan collectors can expect me to pay XXXX a month and you just accepted their conclusion and closed the case. I am not sure why you accepted their conclusion of XXXX per month.5) My federal loans were put in permanent discharge.6) I put all of my XXXX forms through to the private student loan foundation and they still came back with that high monthly payment.Please help me figure all this out and please do not accept there answer of XXXX a month when my take home from Medicare Social Security is XXXX and my health is getting worse not better. I have three other conditions since I was first diagnosed. I pay XXXX in rent and this is how high the rents are as I am sharing with two other people at a different location.XXXX per month for food.XXXX per month for co-pays that include my prescription medications, XXXX XXXX and physician visits.XXXX towards credit car payments that I have to use as I run out of money on some months as my prescriptions, groceries run over and I have to use the cards. XXXX for water and electricI have to use XXXX as I too XXXX to use a car so it's approximately 150.00 in charges for getting to my doctor appts. | ||||||
| 07/25/2018 | Yes |
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| This correspondence is in response to the XX/XX/XXXX letter I sent to the three credit bureaus regarding late payments that XXXX XXXX ( Navient ) reported on my credit report that has not been removed. I feel I have been patient and have demonstrated goodwill in my request to have late payments removed from my credit score report. By failing to update previously reported information, XXXX XXXX XXXX ( Navient ) is in violation of Section 623 ( a ) ( 2 ) of the FCRA. I have attached the link that an FTC advisory opinion, ( https : //www.ftc.govXXXX ) which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. XXXX XXXX XXXX ( Navient ) communication regarding retroactive forbearances states If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. All of my XXXX accounts that were part of the XX/XX/XXXX late payments show forbearance status from XX/XX/XXXX through XX/XX/XXXX and forbearance from XXXX/XXXX/XXXX through XX/XX/XXXX. At this point in my loan I consolidated with XXXX XXXX XXXX ( Navient ) and is I was truly late would they allow me to consolidate if I was not credit worthy? These late payments are restricting me from consolidating my private student loans that I took to obtain my XXXX XXXX degree. I am just trying to manage my finances and start moving forward with my life but these credit bad marks of late payments by XXXX XXXX XXXX ( Navient ) are not allowing me to consolidate these private loans and receive the best interest rate and terms. Therefore, my credit reports do not currently accurately reflect previous payment statuses as XXXX XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the accounts showing late payments in XX/XX/XXXX be updated and/or corrected and removed. I have attached letters I have sent to Navient to this complaint Please assist me to get my credit report updated to accurately reflect my current payment status during XX/XX/XXXX through XX/XX/XXXX. Thank you. Respectfully, XXXX XXXX XXXX | ||||||
| 04/11/2023 | Yes |
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| I have had a Sallie Mae/Navient private student loan since XXXX. It is now XXXX, and I still owe more than what I originally took out. For years, I have BEGGED Navient to assist me with making affordable monthly payments, and they have never truly helped me. My solutions were to either pay the amount given, enter an " interest-only '' payment plan where the loan is put into forbearance and I pay the interest that accrues, or pay a {$50.00} fee to put the loan into forbearance for a few months. Since the interest only payments were still too high, and they would not make my payments affordable for my {$7.00} an hour income, I had no choice but to put the loan into forbearance and also because I did not want anything to negatively effect my cosigner. Once they told me I had " run out of forbearances, '' I called asking them what I could do now. They told me to simply pay off the loan. When I told them I couldn't afford it, they suggested I get a 2nd job. All of this is documented on their recorded calls. I decided my next course of action would be to do just that. I got a 2nd job and decided to start the process for cosigner release. The instructions were to make 12 on time monthly payments in order to qualify. I paid well over 12 months of monthly payments before applying. However, once I did, Navient told me that my income was too low and my credit was not high enough. I decided then to build my credit and get another job and try again. However, once again, I was denied. After that, I fell into a financial hardship due to being laid off. I called Navient to ask what my options were, and they told me nothing except entering an interest only payment plan. I told them that I was unemployed and begged them to understand that I had a child that would go without if I had to continue paying them almost {$200.00} a month. However, they did not care. When the Navient settlement came out, which indicated that Navient was forcing people into forbearance and not offering affordable payment plans to borrowers, I knew I would qualify due to having to pay to put my loan into forbearance for months. However, Navient told me that my loan did NOT qualify for forgiveness at all when my circumstances are identical to those who were given forgiveness. I have tried for years to find a resolution with this company, and now I am at my wits end. I've never filed a complaint before, even though I've had every right to do so for years. However after reaching out to counsel this is what was suggested as Step 1. Considering those 13 states, including mine, filed a lawsuit for the same thing I have been through only shows that this company has been keeping borrowers in debt purposely for YEARS and the fact that my loan was not in the running only further proves my point. I've been forced to reenter forbearance and interest only plans over and over just to be able to " afford '' a monthly payment when these payments have not gone towards my loan at all. I have made on time payments for years and have been continuously denied cosigner release. I believe I have overqualified for the Navient Settlement and was not given relief. Even right now, I am in an interest only plan because they refuse to help me by lowering my regular payment. This is not fair to me at all, and I hope that this complaint can result in some sort of resolve that will help me remove this burden. Thank you in advance for your time, and I hope to hear from someone soon. | ||||||
| 09/18/2019 | Yes |
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| There's several things that have happened ... A few years ago I didn't have to pay my student loan debt because I went back to school for XXXX at XXXX XXXX in GA, they never said anything to me for years, never tried to get into contact with me AT ALL, then just a few months ago, I get an email from Navient, a company I've never even heard of, that I am 3 months late on my student loan payment ... Where did this even come from I wondered, they NEVER tried contacting me telling me they were going to start charging me again on my student loans ( I also doubted whether they were a legitimate company, but upon research I learned they are and they took over the old company from a few years ago ) - So ... I call them, this was back in XX/XX/XXXX/XX/XX/2019 I can't remember the exact date, trying to explain I can not afford these 3 months you never told me about, and I can't even afford the XXXX monthly payment ... The lady on the phone was EXTREMELY rude, nasty, disrespectful, not trying to help me in the slightest. She then tells me if I do not pay this off or set up a forbearance they will damage my/and my cosigners credit by reporting me ... So I had no choice, I was FORCED to set up a forbearance which upon further research after the fact is not something I should've done even though on the phone they made it sound like it was just fine ... So I set it up she told me that somebody will call me in XX/XX/XXXX when the period is over and they will try helping me out ... - It is now middle of XX/XX/XXXX, never received that call, but I certainly found something in my mailbox ... A letter with an already charged amount of a XXXX due, plus a XXXX of accrued interest ... My head is now spinning, I CAN NOT AFFORD THIS, I was hoping they would have called me to help lower the payment amount like the lady told me! So when I had enough free-time to call them, which was today XX/XX/XXXX ... I talked to XXXX XXXX, I can't tell if this was the same lady I talked to a few months ago, but it really seemed like it, I was also met with the same disrespect and yelling and just a complete lack of assistance, and once again they wanted me to go into a forbearance ... this is RIDICULOUS I tell them I can not afford this and they ask for my income, which I give but they never ask for the other bills I have to pay ; it is a terrible process! Of course when I say how much money I make per month it sounds like I can afford it, but when you live on your own and have car payments, groceries, rent, utilities, insurance, etc. to pay when you do the math which I did, you will see I CAN NOT afford it, I literally can not, and instead of trying to set up a payment per month that I can afford they just want to force me into another temporary forbearance ... I googled around and I see Navient has several lawsuits under their name ... - " Failing to guide borrowers to enroll in income-driven repayment plans Steering borrowers into forbearance, which causes interest to accrue and delays paying off debt Providing wrong information about cosigner release Processing payment incorrectly '' I have so far dealt with the first two problems ... this is unacceptable ... Please help I got off the phone with Mrs XXXX, going to try calling them tomorrow or when I can to talk to a difference person, and seeing if they can help me, but at this point I doubt it, I am forced into another forbearance so that my credit and my mothers credit isn't destroyed ... | ||||||
| 06/27/2017 | Yes |
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| I attended XXXX XXXXXXXX XXXX XXXXXXXX from XX/XX/XXXX to XX/XX/XXXX. It was portrayed as a dream school for the aspiring XXXX. I was even told by an enrollment counselor that if I did not enroll the month he wanted me to, I would never be accepted again. I enrolled and was told that I would not have to pay as much tuition since I had most of my general ed credits completed. This was a fabrication. After going through financial aid, I was informed that XXXX does not charge any money for their general ed courses ; they are considered free. My tuition would not be lowered. It would in fact, go up every year by around {$400.00} every two months. Half way through my studies, my loans were totaling just over {$50000.00}. My Mom and I were shocked and discussed transferring out to the state university, XXXX. After looking into this option I was informed that none of my credits at XXXX would transfer anywhere, only the full degree. I had no choice but to finish my degree or waste {$50000.00}. This idea that the degree would transfer would also turn out to be a lie. XXXX lied about their accreditation telling me that if I wanted to get my XXXX 's in the future, I would have no issues and their degree would transfer anywhere. Upon applying to schools for my XXXX 's, no schools would accept my degree because it was nationally accredited and not regionally. This was very misleading and as a first time college grad in my family, we were none the wiser. I finally found one private school that would accept my degree but I would again, have to pay more for tuition because it was another private institution. Before enrolling at XXXX I was also promised that their job placement was 95 % and I would be guaranteed a job that would make paying back my loans " very doable. '' Upon graduating XXXX my Mother, who 's annual salary was {$36000.00}, and I had been approved for {$100000.00} in loans. XXXX placed me in three different contract jobs that each paid {$300.00}. Once these were completed and I made just under {$1000.00}, XXXX ' job placement told me that they considered me 100 % placed and they had no further obligations to me. Just after enrolling, financial aid told me that I needed a cosigner to get approved for the signature loans but once graduated I would be able to consolidate and take my Mother 's name off of the loans. This was also untrue. Upon XXXX I could not get approved to take my Mother 's name off of the loans. Her name is still on the loans and we are preparing to file bankruptcy on them. I have been unable to make a living with my degree in XXXX and owe {$120000.00} on these loans. I now have an additional {$80000.00} for a degree in a field that I am confident I will be able to make a living at and am applying for jobs now. The loans totaling {$120000.00} were the results of predatory loan practices and have strained my relationship with my Mother and my spouse. The loan company, Navient, who holds these loans has never allowed me any flexible repayment options nor income based repayments. They once authorized my interest rate to be lowered so I could make {$300.00} payments on a {$15000.00} annual income. This was only after they demanded that I put my {$500.00} payments on a credit card. Since I can not get approved for a credit card this was not an option and felt ridiculous to have to be put in even more debt to pay debt. I feel that I have no other options but to bankrupt these fraudulent loans ... | ||||||
| 09/06/2022 | Yes |
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| Im here writing this for the third time today. Im putting a claim again Sallie Mae/Navient/NavRefi XXXX I have two articles that found not only by CFPB but XXXX. CFPB as come to an settlement with NAVIENT. I too have been a victim of their practices and here is how. I left XXXX XXXX for the Visual Arts back in XX/XX/XXXX. My loans started on XX/XX/XXXX. I was only working part time and was looking for full time work. I found a temporary full time job with XXXX XXXX A third party administrator. My last day was on XX/XX/XXXX. I was out of work from XXXX to XXXX where I found a full time job. With the same company. I was making a little above minimum wage. I called Sallie Mae at the time tried to get my 5 loan accounts payments lowered. I was given the options of Forbearances or deferment. No income driven repayment options were suggested. I took these options over the course of several years. I couldnt go in defult, because my parents names were attached to my loans as well. This made my loans bloom into payments of XXXX per month. Because of the capitalization interest that came with it and the fees to each loan just for saying yes, i want a forbearances. Also, I have all my late document that will show that Navient failed to allocate payments to my loan accounts. There examples of paying with in the month and still getting late fee charges. Examples of payment reversals and adjustments. Which added up to more Mooney for them. XXXX, my husband lost his job and again tried to call Sallie Mae to lower my payments and wasnt able to help me. I was steered heat again in to forbearances and or deferments. This is the reason why for all my late payments. Please see attachments. I was trying to steel from XXXX to pay XXXX. With two car payments rent and normal bills Sallie Mae/Navient/NavRefi has put my family in financial hardships for over 15 years. I have been swindled into paying more than my fair share on this loan. With the loan capitalization was added after getting out of an forbearances or deferment. See that Navient was digging me into a financial hole that i coulnt see myself out. Not only the financial hardships aspect, my husband and I weren't able to buy a home nor raise a family of our own. That has put a mental, physical and emotional toll on us that i can never get those years back. That has made a ripple effects on my parents as well has my mother-in-law. Fast forwarding to XXXX. I wanted to get my parents off my collage loans with Navient as co-signers. I called navient to see what I could do and my only option was to make so many payments consistently, then I could get my co-signers off my loans. Spoiler alert, that wasnt going to happen. I couldnt afford my payments. Yet again another road block. Then came late XX/XX/XXXX, where i found a flyer stating that i could consolidate my loans, though NavRefi. NAVIENT is co-owner with NavRefi. I figured that they offered me to be able to consolidate my loans and get my parents off as co-signers. I thought this would be perfect so I could get my college loans under PSLF and be done. Wrong. I wasnt able to do this because my collage loans are private entity. Which found out that i couldnt change them over to PSLF. Please see all attachments to this claim. If you have any questions, feel free to contact me. I look forward to hearing from you. Accept what is and Let Go of what was. Have faith in what will be. -Anonymous quote. | ||||||
| 11/04/2016 | Yes |
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| this is regarding my XXXX PLUS loan # XXXX from XXXX XXXX XXXX. I was XXXX and eventually sent XXXX a letter I was advised by XXXX to stop paying the bill and to let them pay off the lender. That 180 day time period in XX/XX/XXXX/XX/XX/XXXX is the subject of this dispute! XXXX received a notice of pending XXXX from me in XXXX XXXX, XXXX and was paid off by XXXX Insurance payment in XXXX XXXX, XXXX. XXXX was paid off by U S ED XXXX XXXX XXXX, XXXX. Due to FCRA and FACTA and FERPA rules, I asked XXXX to waive any late payment history from XXXX XXXX until payoff in XXXX. Now known as Navient, XXXX said they now know I am XXXX since XXXX per XXXX Doctors letter, but, since my Doctors letter of XXXX was not issued until XXXX, Navient claims they can not retroactively change the history. This is despite the US Dept of Ed changing the status of the paid off loan to say : 1. loan is US Dept of Ed property and records were corrected to state : opened XXXX XXXX XXXX, paid as agreed, closed XXXX/XXXX/XXXX and NEVER LATE! ( see credit report ) FERPA, FACTA and FCRA rules protect the parent from inaccurate credit reporting of a PLUS loan. but XXXX continues three years after payoff with a 180 day late charge that is inaccurate, illegal and discriminatory. PLEASE VACATE 18O DAY LATE HISTORY. When XXXX ( XXXX XXXX XXXX XXXX ) as loan guarantor received notice of my XXXX, they followed the FERPA law and VACATED their entire tradeline on all Credit reports in XXXX XXXX. ( XXXX WAS VACATED ENTIRELY OFF MY CREDIT REPORT! ) That was because XXXX had been sold and changed their name to Navient, did not have accurate info, transferred its records to XXXX in XXXX XXXX and was not able to track the loan nor the borrower ( me ) since it was paid off in XXXX XXXX by XXXX! So, XXXX followed the FCRA law and VACATED INACCURATE DATA FROM CREDIT REPORTS AND VACATED THE ENTIRE TRADELINE SO I WOULD HAVE A FRESH START AFTER MY XXXX! So, since The U S Ed Dept took over the loan XXXX XXXX XXXX RETROACTIVE TO XXXX, took over the servicing and paid off the guarantor, it assumed ALL responsibility for the loan, amended its payment history, its credit worthiness and issued a blanket release to Me ( XXXX XXXX ) in XXXX XXXX. IT STATES I PAID OFF AS AGREED, CLOSED AND NEVER LATE. I ASK THAT XXXX DO THE SAME. XXXX REFUSED TO UPDATE THE XXXX CREDIT REPORT TO DELETE THE 180 DAY LATE HISTORY! However, the XXXX other agencies, XXXX and XXXX, both recognized that since my loan was taken over by the US Dept of Ed, and the same loan # XXXX from XXXX XXXX is declared paid in full, paid as agreed, never late and now closed, they DID the same. XXXX and XXXX deleted the 180 day late history due to it being inaccurate! Because of that, XXXX, nka, Navient, must follow FCRA law and vacate the late payment history on my credit report. please. I can not get credit due to my XXXX and this mysterious statement that I was 180 days late! Why is it that XXXX closed their servicing doors three years ago and can not update my loan since it was paid off and stricken from their loan records in XXXX? when you can not get ACCURATE first hand data about my loan, you need to vacate any inaccurate payment history.! that is FCRA law! it is FERPA law! it is FACTA law! and it is U S EDUCATION LAW regarding XXXX settlements!. USA paid off all claims and calls this a XXXX LOAN OPENED BY US ED DEPT. FULLY PAID OFF AS AGREED LOAN, NEVER LATE AND CLOSED XXXX/XXXX/XXXX | ||||||
| 03/12/2018 | Yes |
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| I have actually been complaining about these loans since 2008, but have mostly been complaints about the school because I knew with the records I have that XXXX university had stolen funds in non disbursement-lied about job placement/credit tranfer/ would not give records to transfer/ gave false info on classes taken and when/ forced non arbitration agreements/had Financial aid tell me to lie on fafsa-which I did not/ lied about course load/ and lied about what agreements I had with loans including interest rates etc- which on the signature loans I never saw the interest and was told we were only seeing if I could get the loans not actually taking- they also changed my parents income so I received less in federal aid which I had received in past and future colleges- on and on- In my original complaints I cited some issues with the lender including question of collusion, but could not tell due to their spotty records if they were at fault also. I tried to keep these in good standing while I reached out to fl attorney general, dept ed., This group. state senators, attorneys, and eventually joined several class actions and borrowers defense to repayment. I Tried to keep in good standing when I had issues with my lupus and took time off and was told only forbearance was available to me- I tried to keep in good standing during my final year of XXXX school when they tried to collect from me while I was still in school and there is literally nothing I signed ever ever that says they can do this while I am a XXXX XXXX XXXX who was also XXXX, had XXXX high risk XXXX, and working/and trying to complete XXXX school- I asked them again for at least the 7th time since I left the college what I could do they denied all options then eventually offered me forbearance after a lot of back and forth- then they offered me a XXXX dollar discount on a XXXX student loan payment while I was still in college and they constantly will harass, lie about options- tell me one thing then I find out that's not accurate till I finally said well Ive long disputed these and while I tried to keep them in good standing while I fought it out I cant do this when they give me no options and with all the false fees and charges they have along with the colleges discrepancies I would do better to see a judge- so that is what I told them- I am a hard working XXXX XXXX with XXXX and a history of XXXX I busted my XXXX to start college all over again with no money and a useless degree from a fraudulent college only to face one thing after another with the lender also lieing and not working with me while I tried to follow the rules/laws out there though few to protect students. I have witnesses to several of the convos because they started being so dishonest I would put it on speaker and agreed my mom could also talk because my high risk XXXX and XXXX at that time combined with the constant issues with the loan company were making me ill and I was concerned for my child. There is a lot more I could say about this but this is the basic premise. I was also never given any other loan options, and this loan company was a programmed number on the colleges phone - seems sketchy as I have stated before- but they have now definitely created issues on their own- the disputed amount for the private is XXXX when the original was around XXXX and they never send me a complete record going back to the original and the years in between and the numbers do not add up- | ||||||
| 08/01/2017 | Yes |
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| I have been dealing w Navient for years and it is awful. I have an enormous amount of student loans, both federal and private, from law school. They would call me everyday and call my father her co-signed, They have even called my brother who has the same name as my father AFTER they knew he was my brother and I did not authorize them to speak to him. A few years ago they have credit reported me and my father after applying my payments incorrectly and my father had a credit line decrease due to that. I should have sued under FCRA, but I did n't. I continued to deal with the horrificharassment. In XX/XX/XXXX I lost my job and was unemployed for a year and a half. That was fun. In XX/XX/XXXX, after I had set up an automatic payment plan to be disbursed to all of my private loans ( my federal loans were in forbearance or deferment ), I started to receive calls everyday that my payment was late. For 3 months Id call everyday, be put on hold and transferred, while my father and I both continued to receive calls that my payments were late. They were taking {$500.00} dollars from my checking account a month ( which I did authorize ), yet they were calling me asking me to make payments. To this day, I do n't know where that money went or to what it was applied. I have a statement from my bank showing the automatic withdraws for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as a printout of my account telling me that I have missed the last 3 payments. I was so upset that I would feel physically sick to my stomach. I cant tell you the amount of time I spent trying to deal with this. I reached a manager named XXXX who said he would help but after a few days would not answer or return my calls. I had to go thru my bank and explain that the money was coming out of my acct but Navient was not applying it to my loans. My bank agreed that this was not okay, and retuned my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I should have filed a complaint then, but was so drained from dealing with it. I had a 1.5 year old at the time and worked full time and just did n't have the time. I was also getting ready to leave on a family beach trip with my parents and I needed that money for vacation,. I have since et up a payment arrangement where I pay monthly on 2 of my cosigned private loan accounts ( {$180.00} ) and a separate good faith payment of {$50.00} on the other private loans accounts ( because that is all I can afford ). The payments were automatically charged to my credit card and then I just pay on my card. I do not trust this company with my debit card or bank account if and it is easer to dispute a credit card and not be out money if they take what they are n't supposed to. I have federal loans which are now out of decrement and federal loans with XXXX XXXX in deferment. Im trying to pay back my laons but have XXXX small children and cant have my whole check to loans. My issue is now I was informed that Navient can no longer take payments on credit card. They want me to set up with checking and do not feel comfortable. I said Id send in a check in the mail every month, but they will not honor the interest rate if I do n't set up automatic payments. I feel like I am their hostage. This has taken a toll on myself and my family, where I am unable to obtain a mortgage for a home and am constantly in fear of what is happening to my credit and what this will do to my future. I am XXXX XXXX over this. Please help. | ||||||
| 01/19/2017 | Yes |
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| I have had issues with Navient ever since I started making payments XX/XX/XXXX or XX/XX/XXXX. Navient constantly harassed my father and I with phone calls whenever I got behind. Navient refused to remove my father as a cosigner after I completed the necessary requirements of XXXX consecutive payments saying my payments were late even though the payments were set up by Navient to automatically draft from my account. I asked Navient on multiple occasions to consolidate my loans and lower my interest rate but they refused. Navient would only offer to put me in an income based repayment plan to lower my payment but all it would do was extend my number of payments. The most frustrating concern was their lack of communication. Every time that I would call to either get clarification on my loans or make a payment, they would not have any records of my previous calls and I would get cold transferred around to multiple agents to the point that I would just make a payment just to be done with it. My biggest complaint is that I was led to believe that, XX/XX/XXXX, I would finally be able to consolidate my loans to a fixed interest rate of 3 % on all my loans for the remainder of my repayment period. I set up another XXXX consecutive payments through Navient to be automatically withdrawn from my bank account. I upheld my responsibility to have each payment clear my account until I received a phone call from my father stating that Navient called and told my father that I was behind on my payments. Upon learning this information, I reached out to Navient to obtain an explanation. They fraudulently changed my interest rates back to their original amounts after I agreed to a verbal contract to pay the 3 % until the end of my repayment period. I refused to pay the higher interest rates. In addition, I requested on numerous occasions to have a physical copy of the recorded telephone call and/or telephone call transcript sent to me. Navient refused to provide that information unless I had legal representation request it. My account became further and further delinquent and finally defaulted about 3 months ago. About a month or so before I defaulted, I obtained legal representation ( around XX/XX/XXXX ) regarding the issue. We attempted to work with Navient to discuss options but to no avail. All that I was trying to accomplish was to get my rates lowered backed down to 3 % to honor our previous verbal contract and continue my repayment payment. Every time my lawyer and I would call in, they had no record of our previous communications. I was left threatening voice messages by Navient during this time. On the last day before my loan defaulted, I tried to call and make a payment to keep that from happening. Navient claimed that the department handling my account closed down at XXXX that day due to it being the last day of the month and the main customer service number refused to take my payment leading to my default. Since defaulting on my loan approximately 3.5 months ago, neither my legal representation nor I have received any communication from the debt collector regarding the default. We have contacted Navient on multiple occasions and they do not even know where my file is and can not give me any information on who to contact to track it down. I am beyond frustrated. I read the article regarding the lawsuit today and did not realize that I had someone who I could complain to. Any help would be much appreciated. | ||||||
| 01/26/2017 | Yes |
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| Hi my son graduated and we did n't know nothing what so ever on there student loans, we started applying for government help ( so we thought ) because that 's what XXXX told us, we kept getting rushed into submitting these loans because they kept telling us we had till XXXX to get them done. And we thought some of this was going to be free to help us with some of the loans. We just kept getting rushed all the time and all of them came back loans. We paid at the beginning and then my mother in law got sick my wife had to stop work so we asked them to see if they could help us with the payments because it started getting tough so they did and I had them electronically debited but then they kept calling that I was late on the payments and I said I was n't and they argued that that was for the moth before. It was their word ahanst mine. So then things did start to get very thought and I called again because we were getting deeper and deeper in the hole at the back. It was to where we were up to {$2000.00} in the hole then it got worst we got to where we could n't even buy mik or bread. My wife was always crying on the phone so they could work with then my wife has been looking aged and so so stressed with this about Navient because they started telling her they were going to hire an attorney to garnish mine and my sones wages until everything got paid. How are we going to live like this? Some of then we 're even mean and unconsidered and just plain down bullies to my wife when she tried taking care of the accounts. Then there were times when my wife would make a payment and it was late because they put it on the other account.!!! How can they do this to us?? We are down to the point where we ca n't buy a car of a house or get any kind of credit because of Navient. When things got so bad that we did n't have the money to pay them they put us on forbearance just like that, but they did n't ex plane that by doing so the intrest was accumulating and it just snow balled to a huge amount that is now out of control. Now we have all developed XXXX over all this and there are times when I see my wife just crying on the phone talikg to people trying to find a solution to this night mare!! We feel like we do n't have a life no more, we ca n't go out we ca n't even go out to eat we ca n't go for a Sunday ride here in town because we do n't have gas money. Our life every day revolves on Navient! It is so so XXXX we feel like we are going to have a struck or XXXX over this. This is the worst worst thing anyone can go through being threaten every time over the phone and letters. This is awful my wife prays hard every day for this to go away. It 's like a monster on top of you and you ca n't breat!! And it 's going to XXXX! I do n't understand the greed and the mean way they do things to kids. They are our future we need to take care of them. Not make them go XXXX when they want to be in a XXXX some where. Please help us get this taken care of the right way!!! Do n't let this happen to the rest of the kids planing on going to collage, I have heard so many not wanting to go because of this with Navient they refuse to even try.. These are our XXXX kids that are going through this right now and they have no future they ca n't buy a house or a car what kink of future do they have? What is the economy going to be like if this is going to affect all these kids for a very very long time. Please help!!!! Thank you very much. | ||||||
| 09/09/2022 | Yes |
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| I have been put on an interest only repayment plan by Navient for the past 6 months, due to my inability to pay my whole monthly payment. From XXXX to XX/XX/XXXX, I have paid interest only on all of my student loans that I have through Navient and they were directly debited from my account every month. My monthly payments were {$430.00} and they were all scheduled to be automatically taken out of my bank account on the same day each month. I have four loans with Navient and they all have a variable interest rate. The interest rates and balance of each loan ( as of XX/XX/XXXX ) are as follows : {$18000.00} - 8 % {$19000.00} - 10.5 % {$14000.00} - 10.5 % {$10000.00} - 11.25 % My last payment on the interest only program was made on XX/XX/XXXX. In XXXX, I logged into my online account at navient.com and it showed that I owed {$20.00}, so I went ahead and paid that amount on XX/XX/XXXX. It did not show that I owed anything more than that for the month of XXXX. I knew that my interest only arrangements had come to an end, and the {$20.00} balance did not seem quite right, so I called the customer service number to try to get set up with another reduced payment plan. I was told on the phone that I would get a call back on XX/XX/XXXX to be enrolled in another interest only plan for the upcoming 6 months. The representative told me that it could not be set up until XX/XX/XXXX. I repeatedly asked if I owed anything for XXXX, and she told me that I did not because I was coming off of the interest only plan. She called me back on XX/XX/XXXX and set me up with another interest only plan for the next 6 months. Starting on XX/XX/XXXX through XX/XX/XXXX, my monthly payment would be {$500.00}. I checked my online account today, XX/XX/XXXX and viewed my account history to make sure everything was on track and set up for XXXX. Upon reviewing my account history, I noticed that I had been charged {$520.00} in capitalized interest on XX/XX/XXXX. And charged again for {$2700.00} in capitalized interest on XX/XX/XXXX. Both of these totals have been added to my principal balance on my loans, even though I was paying the interest every month for 6 months prior. None of these totals were present when logging onto my account in XXXX or XXXX in my monthly account balance and these totals do not even add up to what my interest is per month. Not only that, but I was also charged a late fee on XX/XX/XXXX, even though I was enrolled in a direct debit payment plan. As of today, XX/XX/XXXX, I am set up with the interest only payment plan for the next 6 months, and as of today, my account is showing that I owe the full payment for XXXX and that it is past due. I had better not be charged any late fees or unnecessary interest this month, because my payment agreement has already been set. The practices and business conduct by Navient is unacceptable, and I was wrongly charged with this capitalized interest. They do not let the consumer know of any unpaid interest easily, but instead try to keep it hidden from them so that they can add it onto the borrower 's principal balance so that the borrower can never get ahead in paying down their loan. I now have more of a balance on my loans that what I originally took out and I have been paying them regularly ( at least on the interest ) every month for over 10 years. This company already has lawsuits compiled on them and something more needs to be done about how they are operating. | ||||||
| 07/14/2021 | Yes |
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| XX/XX/2021 XXXX XXXX Account Number : XXXX This letter is in Reference to the above Account Based on the facts of the matter : During this consumer credit transaction, I, the consumer, the natural living man, and original creditor to the account, have elected to extend my credit to Navient/ US Department of Education . It is to my knowledge that Navient/ US Department of Education has formed an alleged debt in the form of a loan in fraudulence using my personal open ended consumer credit plan and personal consumer credit card ( SSN ). The Truth in Lending Act does not define the word loan or borrower therefore I do not know how this alleged debt can be validated in truth. It seems that This notion has also made Navient/US Department of Education the Debtor, borrower and a debt collector of the alleged debt, As they Have not produced any original instrument proving to be the original creditor. The misrepresentation of Navient/US Department of Education as the Original Creditor constitutes consumer fraud and I demand validity in this matter, that the above account be deemed Closed and blocked from reentering my consumer report. I also seek Monetary Remedy for all given payments and repeated communications over years while creating a alleged debt through fraud. Be mindful Under 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. Under 15 U.S. Code 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. ( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. 12 U.S. Code 1431 - Powers and duties of banks ( a ) Borrowing money ; issuing bonds and debentures ; general powers Each Federal Home Loan Bank shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. Ignorance of the Law is no Excuse XXXX XXXX | ||||||
| 07/10/2018 | Yes |
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| I took out a student loan for college which is separated into 3 separate loans on my credit report. Navient has me marked for late payments that shouldn't be there, so this stretch of time is amplified because it shows all 3 if these accounts as late on my credit report. When I checked the dates, however, something didn't seem to be lining up. All of the " late payments '' on my credit are either incorrect, when I was still a student, in forbearance, or when the company was in transition. At the time of the " late payments '' I was never notified of being late, wasn't receiving statements or bills, updates, or anything - just the occasional " reply yes for an extension '' e-mails. This all began after Direct Loans was taken over by Sallie Mae in XX/XX/XXXX. The first reported " 90 Days Late '' came in XX/XX/XXXX, but that's impossible because I was a student in XXXX. I called Navient on XX/XX/XXXX and spoke to a customer service agent who confirmed my worries. The woman asked me to send in my IRS form that showed I was, at minimum, a half-time student in the XXXX tax year - and that once all the information was received my report would be updated and the late payments would be removed. My late payment information doesn't match either ; the XXXX late payment is only on 1 of the 3 listed. The next discrepancies are XX/XX/XXXX and XX/XX/XXXX which are marked as 90 and 120 days late. The issue with this is I " replied yes '' to a forbearance email on XX/XX/XXXX. At the time I was ignorant to the law and the policies surrounding student loans, I had just moved to XXXX, and sent " yes '' because I didn't know a whole lot about it. I scrolled my history and happened to find this e-mail showing my approval with the date. If I am not mistaken, forbearance is 3-4 months ( which I now know ), making the " XX/XX/XXXX - 90 days late '' and " XX/XX/XXXX - 120 days late '' impossible. I was retrieved an email dated XX/XX/XXXX stating that Sallie Mae had now been taken over by Navient - that's now two corporate transitions in just twelve months. According to federal law, 34 CFR 682.211 ( e ) ( 2 ) the lender is required to update me every 6 months on forbearance and provide detailed information regarding the loan - this did not happen in XXXX, and that's important because I have another " 90 days late '' marked XX/XX/XXXX ( which is also impossible ). I would like to think all this chaos and confusion ( and error ) was due to the transitional period that was taking place around this time. I took the time to gather the requested information ( from the phone call in XXXX ), and sent everything to Navient via certified mail in mid-XXXX. I have tried contacting them on numerous occasions now only to get the same result - nothing. According to the FCRA 623 ( a ) ( 2 ) - the furnisher of information provided to these credit reporting agencies is obligated to report and, if necessary, change information to reflect accuracy. That is not the case here. I have attached my tax form from XXXX, the XX/XX/XXXX forbearance email, as well as the call record from XXXX to show my claims are accurate. I feel as though in this frame of time the company took advantage of my ignorance and didn't fulfill their duties required by the laws in place intended to help the consumer. These " late payments '' have damaged my credit score, as well as my ability to obtain credit, for years now - only for me to find they are unjustified. | ||||||
| 11/19/2017 | Yes |
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| I want to file a complaint against Navient, as my loan holder, for harassment, mismanagement of my account, and not following Department of Education rules on forbearance. I also am requesting information on how to apply for a cosigner release so that Navient no longer harasses my cosigner. I have contacted them in XX/XX/XXXX and XX/XX/XXXX to request forbearance for my student loans while I was reenrolled in classes. I was told that I had to pay a fee that would not be applied to my loan balance. I declined. I have also tried to sign up for IBR and the Public Service Loan Forgiveness payment plans, only to be denied as well. None the documentation or applications that I have submitted are listed in my account history section and makes it appear that I havent applied for these programs. I have been getting calls from Navient multiple times a day ; they have passed my account off to a series of credit collectors who also call multiple times a day. These creditors have made offers to settle, but Navient itself will not work with me on repayment plans. I applied for the Borrower Defense to Loan Repayment with the Department of Education on XX/XX/XXXX, which forces all loans into forbearance and stops collections. Shortly after applying, Navient started harassing my mother and finally talked her into paying to have the loans placed into forbearance, along with monthly payments starting in XX/XX/XXXX. She was called by XXXX XXXX at XXXX and a XXXX at XXXX. The {$50.00} that she paid on XX/XX/XXXX has a confirmation number of and I would like that refunded to her. A Department of Education mandated forbearance should not cost anything. These loans are supposed to go into forbearance, at the request of the Department of Education, Navient should not be bullying my mother into paying for that service. I received a letter from Navient, dated XX/XX/XXXX, threatening litigation if I did not communicate with them. I replied with a certified letter sent on XX/XX/XXXX demanding proof, a history of all payments, loan holders, a copy of the master promissory note, etc. Navient has not yet provided e this documentation and they have not uploaded the letter into my account document history section. However, Navient did send me another letter, dated XX/XX/XXXX, that said they sent my account to review for litigation anyway. I also received a letter from a creditor that they had assigned, XXXX XXXX XXXX XXXX dated XX/XX/XXXX, that they were pursuing a judgment against me and I had 30 days to question the debt, in writing. I will send them a certified letter as well, questioning the debt and demanding proof, a history of all payments, loan holders, a master promissory note, etc, just like I requested and have not yet received from Navient. They have also neglected to upload the litigation letters that theyve sent me. I recently tried to call Navient on XX/XX/XXXX around XXXX CST, at both ( XXXX ) XXXX and ( XXXX ) XXXX, a time that was convenient for me, but they were not open and there were no voicemail options. I am so frustrated and would really prefer to have a different loan servicer. Navient is unwilling to work with clients until the loans are in default. I wish they worked as hard to find me a reasonable repayment plan as they work to get collection agencies involved. I am filing this complaint with Navient, the Department of Education Ombudsman, and the Consumer Financial Protection Bureau. | ||||||
| 04/24/2020 | Yes |
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| I have been in communication by phone and email about my Student loan with Navient for several years without any resolution. In XX/XX/XXXX when I graduated with University XXXX XXXX, I ended up facing economic recession with huge loss of unemployment as well as the crash of the Housing Market which I ended up short selling my residence at the end of XXXX due to Financial Hardship and son with a critical/ Chronical medical condition at birth in XX/XX/XXXX that ended up with permanent XXXX. Originally when I applied for a Student Loan, I was informed that my loans was sponsored by the Government and not private entities. Second, I have been in contact with Navient since Sallie Mae Transfer my Student Loan to inform them with my hardship Situation and requesting assistance. First, Navient automatically initiated deferment due to unemployment without educated me about other options I might have. So, Since I was at the edge of Financial Hardship I agreed without understanding the terms that Navient will assessed Daily Interests on my loans ( Called Capitalized Interest ). Since then, I have asked for two additional Forbearance or deferment to help me stand on my feet. Unfortunately with the challenges that I have been facing with my XXXX XXXX, I was not able to work because of the XXXX XXXX and XXXX who was monitoring his condition. in Addition, the extensive medical care cause me to postpone the search of a Job. Due to my son illnesses and the extensive medical care has put my family in tremendous hardship and it was the reason that I applied for a deferment or forbearance at that time of period. After Several communication with Navient, they modified my loan base on family Income driven from my spouse currently and single income. Lowering my income it was not an option given at the time of deferment because Navient did not offer it at the first place and also I was not aware of my options. Navient failed systematically and illegally to provide accurate information to me at every stage of the repayment process that includes : 1- Created obstacles to repayment by providing bad information 2- Processed payment incorrectly. 3- Failed to act proactively when I complained several times due to my circumstances. 4- Illegally providing information to benefit its financial institution as I struggled for many years out of my right to lower payments and not capitalized more interests into my loans, which caused me to overpay for my student loans and placed me with 25 years loan repayment program that I am currently paying for the past 12 years. 5- Navient improperly directed me into Forbearance or deferment plan when I could otherwise might been qualified for income driven repayment plan ( as original step ) to avoid excess capitalized interest on top of my loan ; and did not adequately keep me informed of deadlines to maintain the eligibility under such plan. 6- With Coronavirus Pandemic, All student loan borrowers are suffering with several matters. The Congress pass a Stimulus to provide relief to all Student borrowers for an extension of almost 6 months without penalties of interest accrued. I am eligible for this program because I found out that Navient converted my loans to Private Loan which are not part of this program that has been offered as relief to most American. This is dishonesty and cheating as well as fraud that Navient has changed my student loan without my consent or approval. | ||||||
| 09/12/2018 | Yes |
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| I have student loan accounts with Navient and am also the co-signer on two of my daughter 's student loan accounts. I recently received notification that I was delinquent on my student loan account. I usually pay {$110.00} per month ( which is beyond my minimum monthly payment ) and believed this was a big error. I began searching through my previous payment history and found Navient has been misapplying my payments. They have been taking my personal payments and applying them to my daughter 's accounts, which is unacceptable. This has happened 34 different times since XX/XX/XXXX but the majority of misapplied payments have been occurring since XX/XX/XXXX. The total amount of misapplied payments is {$3300.00} which should have been applied to my personal accounts but instead applied to my daughters. The remaining amounts that were applied to my account only went towards interest - nothing was applied to my principle balance which means my balance has not decreased in a very long time. In some situations, they didn't apply the payment to my account at all which resulted in a late fee and negative credit reporting. To ensure I did everything correctly when sending in my payments, I checked the company 's website and found disclosure on how/where to send payments. These disclosures have two pieces, one for the primary borrower and where to send the payments, and one for the cosigner and where to send the payments. I have been sending all of my payments to the primary borrower payment location as their disclosures state so there is no reason for the company to take my money and apply it to my daughter 's accounts. When I tried to call and talk to the company, their customer service representative was very rude and told me I had to " prove '' my case. Here is all the proof they need. The company 's unfair and deceptive payment allocation practices have not only caused improper handling of my account ( which should be paid off by now due to the amount of overpayments I have made ) but have also incorrectly charged late fees and incorrectly reported me to the Credit Reporting Agencies. In the attached documents, you will find enough evidence to prove their wrong doing. One is my payment history I retrieved from the company 's website. The highlighted portions show late charges, my payments being applied to my daughter 's account ( her accounts are the ones with the name " XXXX '' ), along with proof that no principle has been paid on my account. There is one payment from XX/XX/XXXX that was made to my daughter 's account - she had just entered college and was still having active disbursements. This payment was misapplied to her account. In addition, you will find the last two years of payments to the company that my personal bank supplied me as evidence to show I truly made these payments. Lastly, I am providing the company 's payment disclosures I referred to earlier. I am asking for Navient to reverse and reapply all of the payments I identified within the Navient History document to correctly apply them to my account only. I also want the late fees waived and my credit reporting fixed. Lastly, I expect a refund of the overpayment, to include interest, because if they would have been applied correctly the first time, my account would be paid off by now. Lastly, I would like a transaction history reflecting all adjustments made for the life of my loan to ensure this was executed properly. | ||||||
| 07/31/2017 | Yes |
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| I was advised inXX/XX/XXXX that I was eligible to be put on XXXX income status due to running out of forbearance and deferment time due to unemployment and health issues necessitating multiple XXXX 's and application for XXXX. I filed the application on XX/XX/XXXX for XX/XX/XXXX. I renewed the application in XX/XX/XXXX for the XX/XX/XXXX fiscal year. I filed electronically and via hardcopy USPS along with a certified letter requesting that if there were any discrepancies to please contact me immediately via phone or US mail since I was locked out of the web portal with an " error 404 '' page since XX/XX/XXXX. Also there was something wrong with their phone system. I had attempted for many months to contact Navient and was either put on hold for an hour or more, then disconnected, or every time I called I could hear them but they could not hear me. So I have had no access to my account since XX/XX/XXXX and although many attempts have initiated by me, none of them has supplied me with access to my account. This was the reason I filed both electronically and via hardcopy USPS for the year XX/XX/XXXX renewal. I heard nothing from Navient until approx XX/XX/XXXX. They did not have the status of my loan, just were demanding payment. I advised them I was in XXXX income status, but they continued to email and call several times a day demanding payment. I called frequently trying to get this straightened out but keep getting transferred to another party and always invariable disconnected. I have sent 7 certified letters invoking my right to have all correspondence in writing via US Mail due to their inability to provide me access to my account and because of the lack of telephone service. Each time Navient calls I tell them immediately that I am in XXXX income status and request that they send any information in writing via US mail. On XX/XX/XXXX I have received 5 calls from people who say they are from Navient, or are subsidiaries of Navient but do not have access to my account requesting payment for a loan that is in XXXX income status. One of their subsidiary companies calling from an XXXX Texas area code is demanding I send them a " Cease and desist '' letter before they will stop calling me at all hours of the day and night. I have filed a complaint with the Texas State Attorney General Consumer Protection Agency. I have addressed certified mail to a XXXX XXXX, who sends me regular emails that can not be replied to requesting I log onto the web portal that I do not have access to. I have consistently received invoices for loan payments post dated after the due date on the invoice with late fees attached during the entire time I have been in forbearance, deferment or XXXX income status. The principle on this loan was paid in full in XX/XX/XXXX. They are now demanding more than twice the amount of the loan in interest only with exorbitant late fees charged while I was in Deferment, forbearance or XXXX income status. I am veteran of XXXX XXXX with the XXXX XXXX XXXX. So if there are any military programs to assist with this loan, I would greatly appreciate any information you may be able to share with me. I feel that without federal government intervention, this student loan mess is going to render me another homeless veteran without access to my social security because they can not seem to provide customer service. All this misery over a loan that has been paid. This is all over interest alone. | ||||||
| 03/17/2017 | Yes |
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| I had graduated from XXXX University with my XXXX in 2013. My father had co-signed for my loans, to which once I graduated, the payments started piling up. We have tried to find answers as to why the payments were astronomically high and why they have not reflected an accurate amount, except we have not received any answers. My interest rates are unreasonably high, everywhere from 3 1/2 % to 9 % ( with the higher amounts having higher interest rates ). My father has been making the payments for my sister and I since we are not able to afford them. I have loans through Navient and XXXX XXXX - the XXXX XXXX one which I have still deferred since I can not afford to pay or ask my father to contribute on top of what he already does. We both have excellent credit and extensive experience in the financial industry, but for some reason, we can not get approved to refinance these loans no matter how hard we try. When we ask for answers as to why they are not able to refinance them, we receive run-around answers with no solution, forcing us with absolutely no option except to pay with what we are told. This entire process has made me feel guilty about attending a higher education since the financial burden has taken a toll on my father mentally and physically since we have no options available, no financial relief, no help, no answers and forced to work as much as we can to pay bills. I worked at XXXX XXXX for several months, commuting 1+ hour each way and even trying to pick up small jobs on the weekends to help pay for the loans and other bills. Even though I was working at a great company, I STILL was not making enough money to survive. Out of my salary and trying to pay my father back the monthly payment, I was left with only ~ {$400.00}. My student loan payments through Navient are now XXXX {$910.00} and my XXXX XXXX without deferring are around XXXX {$380.00}. We had a 9 % interest rate loan for around {$35000.00} as well for one loan through Navient, which was recently refinanced. We were told that would be the only one they 're willing to refinance by an outside institution. My father handled the process on that so I am not 100 % sure who he refinanced it with. Living in NJ and with the burden of these loans which were put on our shoulders beyond expectation, we are forced to pay what we are told. I understand everyone has to make money, but what I find truly unfair is that I went to school to earn an education and live the American Dream. I know for the next 10 or so years, I will not be able to afford a house, a wedding, a ring for my girlfriend, or achieve goals any American hopes to afford one day, due to student loans. I want to go back to school to earn my MBA more than anything, however what holds me back are the student loans, the unfair advantage these financial institutions have and the cost of an education. Please help us so we can live our lives normally and I can repay my father. Please! Takeaways : - Attended XXXX University - XXXX - Upon graduating, loans and payments did not reflect my tenure or initial expectations to what we were told/agreed to - Tried to refinance with excellent credit 2+ times and were denied with reasons unknown - Interest rates are astronomically high - Unfair advantage for financial institutions - Will be working for years to only pay for my 4 year degree - Will not be able to earn my MBA or attend another college due to the cost of going to school | ||||||
| 01/17/2017 | Yes |
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| I am looking to get directed in the right area to see if I have any options in regards to a private loan I took out a few years ago with a school that closed- XXXX XXXX College . They also had a class action lawsuit filed against them with the PA attorney general which was settled XX/XX/XXXX and one of the issues was inability to transfer credits based on misrepresentation by the school. I need help with a credit dispute as the school promised my credits would transfer to a four year college and did not do so. So I ended up having to take over roughly XXXX credits at XXXX University. The school was under investigation, this website gives a list of articles regarding the investigation to this school ( XXXX ). My loan was originally for XXXX Now a few years down the road I am owing over XXXX dollars with a 9.75 % interest rate.I would really like to finish my XXXX degree but I am already in debt XXXX ( the XXXX towards XXXX which broke its promise in regards to job placement and credit transfer ) along with federal loans that were with them as well which is equal to about an additional XXXX. The rest is for XXXX University which I am currently attempting to get my XXXX degree at. Additional information from the Director of Public Policy and Research- National Association for College Admissions Counseling . XXXX XXXX. -XX/XX/XXXX, the Pennsylvania Attorney General reached a settlement with XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX in a case involving misrepresentations about student loans, job placement and transferability. XXXX XXXX XXXX XXXX XXXX XXXX was forced to pay {$200000.00} to the State of Pennsylvania after the Attorney General reached an Assurance of Voluntary Compliance with the XXXX XXXX XXXX ( XXXX ) operated by a subsidiary of XXXX , XXXX XXXX XXXX after a state-led investigation. The investigation finds XXXX guilty of violating the Consumer Protection Law by failing to provide explanation and individual attention as promised to students regarding financial aid repayment guidelines and interest rates, using quotas for enrollment as well as incentive-based compensation for admission counselors and steering students towards one lender. The suit also finds that the students were misled in regards to post-graduation employment, compensation and transferability of credits to other institutions. ( Assurance of Voluntary Compliance settlement, Court of Common Pleas for XXXX XXXX, PA, XX/XX/XXXX ) XXXX XXXX XXXX , owned by Career XXXX XXXX XXXX is reported to have practiced illegal recruiting, enrollment, and grade reporting in Pennsylvania XXXX XXXX complaints were submitted to the Pennsylvania Department of Education, which did not act on the complaints as they were " out of its purview. '' -Telemarketing -- that 's how enrollment at XXXX XXXX College often begins. Recruiters must make 125 calls and schedule XXXX appointments a day, and enroll XXXX applicants a month. Top performers get vacations to the XXXX. Those who fail to sign up enough applicants are asked to resign. '' ( XXXX Morning Call, XX/XX/XXXX ) Among the Morning Call 's investigative findings were " aggressive and sometimes misleading sales tactics are at the center of XXXX 's recruiting. School officials give prospective students inaccurate or incomplete information. Any help would be great in this area. I have filed a defense for repayment for the federal loans but that does not apply to private loans. | ||||||
| 08/17/2022 | Yes |
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| Navient as should be clear by now has 1 set of rules for all borrowers regardless of individual Promissory Note terms and conditions. This is by their own admission. On XX/XX/XXXX Navient confirmed to me via email inquiry that they are amortizing my 2 Notes on a 180 month and 179 month repayment term in complete disregard for for the plain language of my Notes. Navient wrote to me and stated, at my 2nd request to confirm, " I am confirming, the original terms for your loan ending XXXX has 180 months of repayment in total and the original terms for your loan ending XXXX has 179 months of repayment total ''. My 2nd request for which these quotes were in response to were to have them confirm they were not conflating the remaining months but the original terms. My Promissory Notes for each loan clearly and plainly state in a section labeled " Repayment Period '' - The 'Repayment Period ' will being on the day after the Interim Period ends and will continue up to 300 months ''. So, by Navients own admission they are fraudulently amortizing my loans off a 15 year repayment term vs my Notes stated 25 year term. This has also now negatively placed credit harm on the cosigner they also refuse to release in accordance with my Promissory Note. A previous CFPB complaint addressed this, for which they still have not corrected their contract breach. As to their validity, in a letter dated XX/XX/XXXX their representative wrote " the Promissory Note [ s ] do not list the specific requirements associated with the cosigner release process. This is because the qualifications may change '' ... '' The requirements are valid as of the date of this response and are subject to change at any time without notice ''. The same Navient representative on a letter dated XX/XX/XXXX stated " Under the cosigner release requirements outlined in XXXX Promissory Note '' ( so they state no such requirements exist then state they do, but this is because they finally read my Notes and realized- but again, 1 set of rules regardless of individual borrower Notes ). To add to their lack of credibility that representative who stated requirements can change without Notice, my Notes state " The Note may be modified *only* if you ( Navient ) put the modification in writing and the modification is agreed to by any borrower or cosigner '' - so, not at anytime and not without notice ... ..but, 1 set of rules regardless of an individuals Note. This level of fraud is on par with the fact they have also placed my loans into forbearance twice without my knowledge or permission resulting in fraudulent accrued interest. They have stated I requested these forbearance 's " verbally '' - which as usual ... is a complete fabrication. Those forbearance 's were fraudulently placed on my loans in XXXX and XXXX. I'm sure it is only a coincidence their executive at the time XXXX XXXX 's XXXX memo stating " Our battle cry remains, 'forbear them, forbear them, make them relinquish the ball ''. I tried to control the " ball '' by paying in accordance with the terms of my Note but their " battle cry '' won out when they do not follow individual Promissory Notes that do not conform to their rules that apparently can change without Notice, even if a Note states otherwise. I am accustomed to the response Navient will give to this complaint, but these actions need to be searchable for others they are breaching their Notes and amortizing on fraudulent terms. | ||||||
| 05/03/2017 | Yes |
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| Navient accepted and is trying to keep funds that were sent to them from the Department of Education by mistake. The funds were supposed to be sent back to me and my wife. Navient is refusing to return the unauthorized payment made by the DOE. On XX/XX/XXXX the Department of Education took a tax offset from our joint XX/XX/XXXX tax refund for the amount of {$3400.00} to fully pay off my 2 student loans. However, my consolidation process through Navient was complete on XX/XX/XXXX and they paid the DOE {$3500.00}. This created a double payment to the DOE on my loans and they then had two times what I owed them originally. I called the DOE to ask for a refund of the offset and was told, " you were entitled to a refund, but some confusion occurred and we sent a check on XX/XX/XXXX to Navient by mistake. You have to deal with them now if you want it, but do n't call us anymore because you now owe us nothing and it 's out of our hands. '' How nice that they care so much to help you with something they XXXX up on right. So to " deal with Navient '' I called them explained the situation and was told, " you do n't have any proof that the Department of Education sent us anything, what are you worried about you now only owe us {$38.00} just pay it. '' The representative then told me that they could process a payment for the {$38.00} right now if I give my credit card number! I asked to speak to a manager, but was refused and then was told again, " you only owe {$38.00} just pay it. '' My online account with Navient does not list a payment made of {$3400.00} in transactions, payments received, or anywhere on my account. But, my loan balance is missing that amount where it has been subtracted out of thin air from my loan amounts. They did receive the funds from our tax return offset that was supposed to be returned to us by the DOE and have refused to list it as a payment to hide where the money came from. Because remember like Navient told me, " you ca n't prove anything. '' A clear attempt to hide their illegal windfall. That is deceptive and falsification of my records as an illegal act all on its own. My wife and I never gave our permission to send them the {$3400.00} payment to begin with only to be told to give them more money! This constitutes theft, especially when half of the funds from a joint tax return are legally my wife 's property. This is an unauthorized payment theft and they might as well have robbed us in an alley at gunpoint. The contract that I signed with Navient was for payments to be made over time that are authorized by me. I want them to honor our contract, return what they stole from us, and allow me to make my agreed upon payments. I have already filed complaints with the Department of Education and the Texas Attorney Generals office against Navient and their theft. Navient called me a few days ago to inform me that, " you need to contact the Department of Education and have them send you a check. '' I said, " they already sent it to you, they told me to get it back from you, and that they are not going to pay twice because why should they have to? '' The representative kept insisting that I need to contact the DOE to have them fix it by writing me another check. The conversation was pointless. They called me back several times that afternoon, but I did not answer out of frustration. I will seek litigation against Navient if need be because this is just wrong. Thank you. | ||||||
| 07/22/2017 | Yes |
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| I have had student loans serviced through XXXX XXXX, and then Navient, since XXXX. When I graduated in XXXX, XXXX XXXX pressured borrowers to go into deferment and my loans were in deferment for several years. When I graduated, I owed approximately 36,000 in student loans, and after several deferments and through the switch to Navient, my loans total over 55,000. The interest being accrued on the loans is far more than the income based repayment options allow and there is a considerable amount of ambiguity regarding the income-based repayment. Originally, I was told that there were many options for XXXX to have student loans forgiven. For example, as a XXXX XXXX in Kansas, you can have {$17000.00} forgiven from your loans. What they do n't tell you is that is a variable amount - you can have UP TO & XXXX forgiven after serving a high needs area for five years, and if you take that option, you ca n't apply for any other forgiveness programs. This was incredibly deceptive since I chose a school to work at based on the availability of this program. I would have NEVER taken my first XXXX job so far away from home if this repayment option was transparent. I only discovered that the full amount of the forgiveness of this program was rarely given well into my fourth year of XXXX. The second repayment option was that if you make on-time payments for ten years, your loans will be forgiven in full. This is a statement that people in my profession hold on to as the only chance of reprieve from their student loan debt. However, the amount of interest accrued on the loans is more than what is being paid on the loans through the income-based repayment so borrowers see their total increasing as time goes on with hopes of the forgiveness at the end of the ten years. I have spoken with Navient customer service dozens of times, each representative giving different information about this option ranging from " yes, your loans are eligible, and will be forgiven '' to " only some of your loans are able to to be forgiven '' to " that is no longer a forgiveness program '' to " that is true - but it 's 20 years ''. The information about my loans that the customer service representatives give me is so incredibly varied, that there is no way to manage or plan for actual repayment of the loans. I started the process to purchase a home in XXXX of XXXX. In this process, I had to provide my bank with all of the information about the student loans - including amounts of loans, providers, dates, and monthly payment for full amortization of the loans. I had seven different reports generated by different customer service representatives in the month of XXXX, each showing different information, different amounts, and varied repayment amounts for full amortization. The comment was made by my banker " you could call every single day and get a different number from a different employee. '' Eventually, we found a document the mortgage servicer would accept and I was able to purchase my home. However, the fluidity of the loans made it seem as if the entire entity was false. It is incredibly difficult to manage student loans, debt, Navient and I have given up on trying to actually repay my loans - because repayment seems completely impossible. I tried to make sense of the jump in the balance from the 30,000 's to the 50,000 's when I was n't attending university, but statements for the account can not be found on the website. | ||||||
| 02/01/2022 | Yes |
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| I have been adversely affected by the predatory lending practices brought to light in the latest CFPB and XXXX XXXX XXXX lawsuit against Navient. I am an Arizona resident who attended medical school between the years of XXXX at Midwestern university in XXXX Arizona XXXX During school I took out a mix of federal and private student loans with XXXX XXXX. Following my medical education, I completed my post doctorate medical residency in XXXX XXXX at the University XXXXXXXX XXXX in XXXXXXXX XXXX Currently I have two outstanding XXXX student loans held by Navient. Between XXXX and XXXX I had a balance of $ XXXX in subprime private student loans which originated with XXXX XXXX. My private loans were in default status and eventually settled for a lump sum cash payment of which was borrowed to pay XXXX XXXX to settle those debts. I was issued 1099 for amount forgiven and have since paid taxes on the amount charged off. I have attached the details for my current federal student loans to illustrate the history, confusion and exponential ballooning of my loan balance resulting from the continued forbearance steering by Navient. Note the number of times capitalized interest is listed in the details on my account and the number of unavailable line items compounding confusion regarding account status. From the time of loan origination up to today, I have been in frequent contact with my loan servicer including multiple times when I experienced economic hardship both during my medical residency training as well as following my residency training. At every level XXXX XXXX/Navient steered me into forbearance. By doing so, the interest on my original loan balances ballooned each and every month my account was in forbearance status. After doing my own research, I later found out that the months my loans were put into forbearance status, I would have qualified for a {$0.00} or low $ monthly payments had I been offered an income driven repayment plan ( XXXX ) putting me closer to meeting the requirements of my current XXXX plan. Had Navient advised me differently, I would have had an XXXX additional months of credit counted towards my XXXX repayment plan and my current financial reality would be very different. As it stands now, I will never be able to get out from under the debt I owe and as such have sought counsel from a student loan advisor and been told to pay only the bare minimum required for the next XXXX years until Im eligible for loan forgiveness. Oh but keep in mind, I will owe taxes on the amount forgiven most of which resulted from XXXX predatory lending practices? How is it someone could get out from under a balance on loans like this or be able to be financially responsible? To be clear that I am not looking to not be responsible for my student loans but I do feel borrows like myself should be given credit towards months of payments toward an XXXX payment plan at least equivalent to the the number of months they were subject to forbearance steering by Navient. I am XXXX XXXX XXXX, completed my medical school education at XXXX University in XXXX, Arizona. Following my education, I completed my post graduate training at the XXXX XXXX XXXX in XXXX, XXXX Because of my loan balances I experience times of XXXX, have never owned my own home and likely never will. I have a XXXX who is a freshman at XXXX who I have not able to help financially further perpetuating the student loan cycle. | ||||||
| 07/06/2018 | Yes |
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| XXXX XXXX XXXX Navient Account Partial numbers : XXXX .... XXXX .... XXXX .... Soc : 3XXXX information requested by company XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Navient XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX No Phone Number Listed Re : Disputing error [ s ] on credit report Dear Navient, I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : Dispute 1 I have sent letters to Navient pointing out the inaccuracies on all 3 of these accounts with all 3 of these partial account numbers - XXXX .... XXXX .... & XXXX .... despite the many attempts to have these accounts removed or updated, Navient has refused to update or remove these accounts that are now paid in full & also closed. These are multiple accounts with Navient in my name- ( XXXX XXXX XXXX ) name & the first 2 being reported as opened on XX/XX/XXXX & the 3rd one as of XX/XX/XXXX as 3 education loans & are listed as first reported on XX/XX/XXXX to all XXXX consumer reports on my [ XXXX , XXXX , XXXX ] The report show several inaccuracies stating that in XXXX through XXXX of XXXX that show 2 months that are reporting ( OK 's - Current/terms of agreement met ) & 4 months showing ( ND- no data for this time period )? & in XXXX of XXXX all 3 accounts are showing closed? As stated above I currently owe no money on any of these 3 student loan accounts & all 3 are showing paid in full, but yet & still are reporting inaccurate late payments??? All 3 accounts have the same Inaccurate payment history & in XXXX through XXXX of XXXX these accounts are reporting once again 6 ( OK 's - Current/terms of agreement met ) & 2 ( ND- no data for this time period ) & all 3 accounts for XXXX show that staring in XXXX of XXXX that I was Supposedly Inaccurately late 90 days??? My dispute on all 3 Accounts listed above is specifically, how can My accounts with Navient be reported as ( OK 's - Current/terms of agreement met ) XXXX Through XXXX which has 31 days of XXXX & all of a sudden in XX/XX/XXXX which only has 30 be reported as 90 days late??? How & why are these accounts being reported 90 days late??? I am attaching a copy of this proof that all 3 of these accounts are inaccurate & need to be removed immediately. These 3 Navient student loans listed all show several periods of inaccurate delinquencies of 90 days or more, when I actually had been paying on time as agreed as stated in the prior months reported. The same inaccuracies are being reported as 90 days late on all 3 accounts in XXXX of XXXX when I was reported as ( OK 's - Current/terms of agreement met XXXX in the prior month of XX/XX/XXXX which was only 30 days & XXXX of XXXX which was also 30 days??? How & why are these accounts being reported 90 days late??? The same inaccuracies are being reported as 90 days late on all 3 accounts in XXXX of XXXX when I was reported as ( OK 's - Current/terms of agreement met ) in the prior month of XX/XX/XXXX which was only 31 days & XXXX of XXXX which was also 30 days??? How & why are these accounts being reported 90 days late??? I am including copies of supporting documentation from the most recent credit report that Navient is still refusing to update or remove these XXXX accounts despite proof that these 3 accounts are still reporting inaccurately Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX | ||||||
| 07/30/2020 | Yes |
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| In XXXX, just after completing my XXXX XXXX. I did a 10.5 month XXXX for XXXX under a XXXX XXXX program through a XXXX XXXX XXXX XXXX called XXXX XXXX XXXX. This company provides veterans with an opportunity to gain experience in XXXX XXXX to hopefully gain a career in the field of XXXX XXXX. My service with XXXX was from the dates were from XX/XX/XXXX to XX/XX/XXXX. During this public service for the United States, student loans are supposed to be placed in forebearance while doing the service. I properly filed my paperwork for this for both my student loan companies at the time, XXXX XXXX and Navient. XXXX XXXX properly accepted my forebearance request with no issues. However, Navient harrassed me and refused to accept my request even after repeatedly sending them the proper paper work. Keep in mind that during this public service, I was being paid a government stipend pay of just over $ 1,000/mo and living in government housing on XXXX XXXX XXXX XXXX . In XX/XX/XXXX, while I was in my service, Navient inappropriately reported me as 90-day late on my student loans. Since student loans create multiple accounts, this has placed seven 90-day late reports on my account. I complained to Navient verbally and they refused to remove my late payment. I have reported this through multiple credit reporting agencies to attempt to correct this and Navient refused to accept my request. I have written a letter to Navient explaining the story and providing them with my service letter from XXXX and Navient has refused to contact me or remove the late fees from my credit report. Navient 's acts are inappropriate, inmoral, and an act of negligence. Even though I am a veteran of the United States who was just trying to do public service for their country, Navient purposely went out of their way to try to hurt my credit score, which has impacted me strongly as it has reduced my credit score and has prevented me from receiving personal loans at a fair rate. Navient has no reason or excuse to refuse to except my request to remove the seven 90-day late payments from my credit report. I believe that this act my Navient is inexcusable and an act of treason to the United of States of America. The US Congress designed XXXX and created the Corporation for National and Community Service, an independent federal agency created to connect Americans of all ages and backgrounds with to give back to their communities and their nation. The intention of Congress when creating this program was to provide forbearance to those who participate in this National Community Service program so the ones that do participate in the program are not harmed financially. This program also provides those who are disenfranchised opportunities to gain critical skills important for finding well-paying careers, which improve the lives of Americans and their communities. I am certain that if any congressional member knew that a veteran was being hurt by Navient on a federally backed student loan while participating in the XXXX program, Navient would have to answer for this act. I am also certain that I must not be the only veteran that Navient as commited this act to. I hereby, request that Navient remove my seven 90-day late payments within 60-days of this formal complain. If Navient as not removed my late payments by XX/XX/XXXX, my next step will be to send my formal complain to multiple members of Congress. | ||||||
| 02/14/2019 | Yes |
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Web | Servicemember |
| I was in an in-school deferment with a subsidized loan through Navient for the entirety of XXXX. I finished my program and expected that I would soon begin to be responsible for accruing interest again. I checked frequently, logging into my account on at least a weekly basis. For that entire time period from XX/XX/XXXX-XX/XX/XXXX, Navient reported to me that my unpaid interest. There was no change in balance, any accruing interest or a change to my deferment status. No statements or communications from Navient were received in this time. I wanted to make sure I was on top of my payments, and so I checked repeatedly. They viewed my account login information and could see that I was diligent with this. On XX/XX/XXXX, I received my first statement from Navient since I began the deferment. Interest began accumulating and I had an upcoming payment due. That all looked correct as expected. What was incorrect was a change in my balance. It wasn't immediately clear why, but my balance had increased by {$150.00}. No explanation was given, no charges or unpaid or past due interest was reported. I called Navient and was told that interest had capitalized and added to my balance. I asked how this was possible, as the day before Navient was still reporting the unpaid interest as {$0.00}. I was told Navient would investigate and follow up. Twenty-four hours later, I received three documents from Navient explaining my balance and how interest works. These did not address my complaint. I called Navient again and spoke to three employees including two supervisors ( # XXXX and XXXX ). I was told I was retroactively charged interest because the paperwork had just arrived from the school explaining I had finished my program. I understand wanting to charge me interest for that period. My complaint is that the interest was charged despite Navient actively reporting my unpaid interest as {$0.00} and then IMMEDIATELY capitalized with zero communication to the consumer. It is not ethical, fair or honest to capitalize interest that has not actually accrued. If Navient had at any time during that period reported to me that interest was accruing, I would have paid it. They did not do so and retroactively penalized me, increasing my balance and total amount I'll owe over the lifespan of my loan, without a single statement. I still have not received documentation that interest accrued during that period. Navient simply decided to tell me it was {$0.00} but capitalize it anyway. I was told on the phone this problem would be investigated to prevent {$0.00} of unpaid interest in being reported to others in the future, but nothing would be done for my account since the interest had already capitalized. They were essentially saying the process is meant to go from phase 1 ( no interest is accruing ) to phase 2 ( interest begins accruing ) to phase 3 ( interest is capitalized ), but they could only solve my problem in phase 2. That's an insult because my complaint is specifically that they went from phase 1 to phase 3 with NO communication to me as the consumer. It is an unethical practice that puts the student on the hook for slow communication between Navient and the schools. At the bare minimum, I should receive an accurate statement of accrued interest BEFORE that interest is allowed to capitalize. Navient 's failure to do so is taking advantage of students who may not notice increases in their balance. | ||||||
| 05/14/2015 | Yes |
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| Navient ( formerly XXXX ) is not allowing my daughter, the primary borrower, to view her account online because her grandfather, who is a co-signer on a much smaller portion of her loans, is under repayment bankruptcy. Even though I am the co-signer on the majority of her loans and not in any sort of bankruptcy status, because of her grandfather 's bankruptcy, she is not able to access ANY of her loans online. She is completely reliant on the information she receives over the telephone from Navient as it relates to her loans, which often times ends up being inaccurate or contradicted. In example, they will assist her with a payment over the phone, let her know when the next payment is due, and then send me a late notice before that payment date even arrives. When my daughter or I call Navient, no one seems to know what is what, what is where, who is who, and they ca n't ever give us an explanation for blocking her account online, other than it 's because of her grandfather 's bankruptcy status. It has been a nightmare working with Navient. When my daughter calls to make payments, it takes forever, they give her wrong information, many times causing payments to be considered late, when she was merely relying on information she was told by Navient! I have had the same trouble. When I call to complain about the situation, I get transferred at least two times, no one can answer my question as to why my daughter ca n't access her account, and I get told XXXX different things by XXXX different people as it relates to the status of her loan. At XXXX point I was even told my daughter does n't have any loans with Navient!! This has become a personal issue for me. When my daughter 's contract with an employer ended, she called Navient to ask if she could put her loans in any type of unemployment deferral until she began working again. They assured her that she could. From her discussion with Navient, she was under the impression that all of her loans were on unemployment. Remember, she is completely reliant on information she receives over the phone. We are never notified by mail of anything, and she ca n't access her account online. We were both under the impression that everything was fine and in place. Turns out only her Federal loans were on deferral. XXXX PAYMENTS WENT BY BEFORE NAVIENT CONTACTED ME BY EMAIL NOTIFICATION THAT HER LOANS WERE IN DELINQUENCY!! They referred to the notice as " Third Notice of Delinquency. '' What happened to the first XXXX notices??? If Navient had notified me that the loan payments were late in a timely manner, I WOULD HAVE MADE THE PAYMENT. My credit rating went from XXXX to XXXX!! My husband and I will likely be denied for refinancing our home as we had hoped just two weeks ago! My goal in submitting this grievance is to urge Navient to implement different procedures for handling co-signers who are in repayment bankruptcy and stop punishing the borrower for a co-signer 's personal business. It 's not as if her ( other ) co-signer is not paying his debt - he is! It 's not as if my daughter does n't pay her loans - she does! And it 's not as if I would n't have made payments for her if for any reason she ca n't - I would have! There is no sensible reason that Navient should be blocking information from their primary borrower in this instance, and it needs to stop, and Navient needs to be held accountable for this very poor business practice. Thank you! | ||||||
| 11/03/2015 | Yes |
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| Hi, I had a payment due on my Navient Student loan on XXXX XXXX, 2015 for {$180.00}. I called in on XXXX XXXX, 2015 to make the payment, I was informed that because i was using my debt card i would be charged a {$15.00} fee, which completely blew my mind. Being charged a {$15.00} fee to make a payment using my debt card is XXXX % robbery. I felt as though i was being strong armed because i needed to make a payment so i would n't be late but i only have a prepaid debt card. {$15.00} may not seem like alot to most people, but an extra XXXX $ is the difference between being able to eat dinner for two night or being hungry. I live on my own, I do n't recieve any help and i do not make a lot of money and it embarrassing to say but I 'm barley getting by so naturally i was fustrated and Ill admit i copped a little attitude but nothing bad like cursing or yelling just gave straight answer with out any thank yous. STILL, i made the payment. Now fast forward to XXXX XXXX, 2015. I signed into my account on the Navient website to check when my next payment was due. To my surprise, I have a past due balance of XXXX on my private loan. Confused, I then look at my debt card transaction history and see the payment i made for XXXX ( XXXX ) was taken out by Navient . The following day, after getting home from work I call there customer service department ( around XXXX ). I begin speaking with a representative and explain the situation. She informs me that representative who took the payment applied it to anther loan I have with them. Keep in mind, they record the phone conversations and I am 150 % positive I made clear the payment was for my private loan. Moreover, the only payment due was the XXXX on my Private loan. My other XXXX department of education loans did not have a payment due until XXXX XXXX, 2015 and the payments for the loans are not XXXX. So i came to the conclusion the previous representative was angry with me and most likely did it not purpose, but that would be difficult to prove. Nevertheless, I asked the representative so what happens now. She informed me that she could only make a request to have the payment reallocated to my private loan which would take 10 days. Frustrated, but still being polite i explain there has to be something else that can be done because if it takes that long my loan would be past due 22 days and after 15 days of being past due, it is reported to the credit bureau and why should my credit be negative effected for a mistake that your company made. This immediately has an attitude and responds by saying, " well then you 'll have to make a claim on our website and once we review it and see that it was our mistake we will withdraw the report ''. I then asked, why I have to go through that entire process, for a mistake that you guys made? How does that make any sense? You guys can charge me a XXXX fee to make a payment using my debt card, you can completely harass my family with phone calls and destroy my credit and thus my life if Im late making a payment, but if you guys make a mistake, there is absolutely no repercussions for you and on top of all that I 'm supposed to fix it. She responded by saying my apologies sir can you please hold. Places me on hold for an hour. I hand up the phone call back and have to explain the entire sistuation again and she puts the request in and tells me the same thing the previous representive said as far as my credit. | ||||||
| 03/13/2017 | Yes |
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| I have contacted Navient/XXXX throughout the course of my repayment expressing needing serious help. I pay at least {$2000.00} a month for student loans and I can not afford these payments. I have expressed to a Navient employee that I can not afford my monthly payment and he, speaking within his allowable preset Navient guidelines, told me that the restructuring program there is pointless. He told me to not bother applying for it because I would n't be accepted, even though I am in serious need of help. I have all separate private loans ( non consolidated ) and I have been harassed, bombarded, constantly " notified '' that I am not paying enough. Whenever XXXX split to Navient, my loans were sold to Navient but a few stragglers were left with XXXX. With correspondences going to an expired academic email address, I was not notified that some loans were not sent over to Navient. My formal complaint about BOTH Navient and XXXX is the lack of care given to its consumers. Communication is nothing but an automated or pre scripted conversation that has limited true communication between company and consumer. The only true communication is them saying I need to pay more but little communication is given if I say I need help. I have been asking for help expressing that I can not give what they want. No one at those financial companies want to help me. My interest rates are too high, loans are outrageous, communication is terrible. Basically, I am stuck paying to loans that the monthly payments barely exceed the interest per month. These companies have positioned me to feel helpless and my only option is just keep paying. That is solely all they want. I have expressed bankruptcy to them but no assistance. My loans need to be consolidates, refinanced, or even better forgiven. I have put up with too many phone calls, letters, and friendly " reminders '' that I have paid X amount this month but next month Y amount is due. Their correspondence is over bearing, complex, and is purposefully structured to make consumers feel like they need to pay more right now. It is a complete money pit that goes against the mutual respect between company and consumer. The USA has publicized market balance and free market for all but that " open '' and " free '' space has allowed companies such as these ( Navient and XXXX ) to take advantage of consumers. I want full forgiveness of my loans. I have called governmental institutions, been scammed by false student loan assistance programs, created a XXXX account looking for help, been denied by private reconsolidation, and denied for help by my last option - Navient & XXXX. I do n't have any other options. My hope is that this complaint resonates with SOMEONE out there. I will never be able to afford a house, get a new car, have a child, or take a risk with a career move! This is the true ball and chain. No one in my family went to school. My father did n't even graduate high school. I was filling out loan applications as a XXXX, and XXXX by myself to the generic and largest student loan provider. I trusted them to help me and they have not. I can not go on and do not wish to pay one more penny to a financial institution that does not give a care to anyone but themselves. Filing this complaint is one of the very few options I have left to get my story heard. Please help me because no one else has or will, especially Navient and XXXX. Thank you for your time. | ||||||
| 10/16/2017 | Yes |
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| I hope that this e-mail finds you well. I have been dealing with Navient since XXXX XXXX. I had been set up on a payment plan with them since last year ( XXXX XXXX XXXX and in XXXX I called to extend the payment plan ( 1 % rate reduction plan ) which apparently can ONLY BE APPROVED BY THE VICE PRESIDENT. At first everything was fine, I was approved and the {$400.00} payments for 3 different loans were coming automatically out of my account. Now, I have since heard that I have been denied for the rate reduction plan - no one called me, no one sent me a letter. Just a message that was hidden in my account online with no notification. I was denied because I took out credit cards after the purchase of my home. It the VICE PRESIDENTS defense he told the rep that if I could afford the credit cards than I could afford a {$900.00} / month loan payment. Makes logical sense right? Well, shortly after we bought the house I had to stop working because in order to graduate I had to participate in an unpaid internship. The reason the credit cards were obtained was because we were in an emergency. Not only was I not working but my parents had just lost our child hood home. I was doing my very best to help them and not loose my home either. One rep even had the audacity to ask why I bought a house if I could n't afford it - I was in tears. In one instance, they were not even talking about my credit report but in fact my co-signer 's credit report. Is this against privacy violation? that is the back story to why they originally denied me. In XXXX XXXX, the customer advocacy dept ( XXXX XXXX ext. XXXX ) got involved because of the above phone call. They went on and on with how sorry they were for how I was treated. I was informed that everything was fine and that the 1 % payment plan was approved again for one more year and that I would call XXXX of XXXX and reapply. We are now in XXXX, and the plan has been denied again. Not one person CALLED me or EMAILED me until it went to collections. I thought everything was fine because the money was automatically withdrawn from my account. I then got a phone call from customer advocacy saying that the a certain dept needed a financial statement to be re approved. Strange because no one told me that it was denied again. If I am in a contract how can you stop it two months in? I have since tried to call this dept ( XXXX ) and left EIGHT voicemail since last Tuesday. NO ONE has called me back. When asked about this ... it was explained ... oh their voice mailbox must be backed up!!! I do n't understand how I am suppose to have this resolved when no one is communicating with me Everything is recorded on Navient 's end I just at my breaking point with Navient. No one in the different depts communicate with each other and when asked they put you on hold for 20-30 mins and say that they looked everywhere but could not see any notes. This is what happens every single time I try to call anyone from this company. I am so frustrated and it is destroying my life. It is destroying my work life and my home life. All I want to do is pay my loans at the 1 % so I can get myself ahead in life so that I can pay a little more next year. I just want my account to be currant and for this company to communicate with the different departments. I hope that you can help me. I look forward in speaking more. I have more detailed notes about more if needed. Thank you | ||||||
| 01/18/2017 | Yes |
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| In resolution of Case number : XXXX, I spoke with a customer advocate at Navient. As detailed in the response to Case number : XXXX from Navient, I was given XXXX options for repayment : " Extended Repayment '' ( {$1000.00} monthly payments ) or the " Select Step '' ( {$670.00} monthly payments ). I opted for the " XXXX '' payments with the customer advocate by telephone on or about XXXX XXXX, XXXX or XXXX XXXX, XXXX. He was also kind enough to do an administrative forbearance for the month of XXXX. I paid {$500.00} in XXXX in an effort to get ahead. One week later, on the day before XXXX, {$910.00} was automatically withdrawn from my account as payment for the Rate Reduction Plan that I was found ineligible for and denied by Navient on or about XXXX XXXX, XXXX. I spoke with customer service and ( thankfully ) issued a refund that I received approximately 1.5 weeks after it was ( incorrectly ) drawn from my account. In XXXX, I logged onto my account to make a payment and {$0.00} was due. I still made a payment of {$250.00} ( {$50.00} on each account ) in another effort to get ahead. In XXXX, I logged onto my account and find that I owe {$890.00}. I promptly called Customer Service on XXXX/XXXX/XXXX. I was advised at first that there was no record of me " doing '' the interest only ( XXXX ) repayment. I was transferred to a supervisor, who advised me again that I was not eligible for the XXXX repayment and that my {$250.00} payment made in XXXX was " credited '' to my {$1000.00} required payment. I was transferred a third time to another supervisor. This supervisor indicated that she could see in the notes that I had spoken with a customer advocate. She advised that their records show I was " denied '' for the XXXX repayment on XXXX XXXX, XXXX. There was no correspondence sent to me to this effect. In addition, I was not advised at any time by the customer advocate that this was an approval/denial process. I actually recall that the policy had been changed in early XXXX, which is why I was now eligible to enter the XXXX repayment. I wish that I could communicate and agree to payment terms with Navient and not have them change without any warning. It is extraordinarily frustrating to spend multiple hours on hold and on the phone with customer service representatives and to be transferred from department to department and various supervisors just to have everything undone the following month. I am not sure where I was mislead or incorrectly informed. I am not sure why the XXXX repayment was denied. I am not sure what was even needed for the application. I am not sure why I ca n't reach the customer advocate I had been speaking to. I am also not sure why customer service representatives ca n't read all of the notes on the account or why the information is different between every representative. I can not afford $ XXXX monthly payments at this time. I am TRYING. I opted for XXXX with the hopes that I would pay a small amount extra every month and try to catch up on my finances so when the XXXX repayment expired, I would be able to manage the $ XXXX monthly payments. That day is not today and I am unsure why Navient 's system makes these changes without notifying me or communicating with me in any whatsoever. I do not think the boilerplate paragraph on every statement telling me that my " Payment May Have Changed Due to the Following [ XXXX ] Reasons '' is adequate. | ||||||
| 01/21/2017 | Yes |
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| Hello CFPB, I recently read about your lawsuit against Navient. I borrowed enormous sums as private loans from XXXX to attend the XXXX. At the time, they told me that Federal loans would n't be enough to cover tuition, and that I 'd have to take out private loans -- which I foolishly did. My multiple, gigantic, private loans are now handled by Navient, who I affectionately call " The Knave. '' I 've been unable to pay my loans, which require a monthly $ 1500+, so I spoke with them about my situation. They explained that I could get into income based repayment, so I followed their guidelines and started making reduced payments of around {$190.00} or so. A few months later, I received a call from The Knave explaining that I was about to go into default. I asked how this could be the case, since I 've been making payments. They said that my payments covered my other loans with them, but not this one, which for reasons never made clear to me, was not included in my income based repayment plan. I asked if I could add the about-to-default loan to my others, and they said yes. As a result, my monthly payments would grow to somewhere in the vicinity of {$300.00}. I distinctly remember asking them at the end of the conversation if there were any other loans that had likewise escaped inclusion in my income based repayment plan. They said no, there were not. I asked if they were sure. They said yes, they were sure. Fast-forward a few months, and I got another call from XXXX ( surprise, surprise ) to tell me that there was another loan that was n't included in the repayment plan. Only this time it was n't " about to '' default -- it had already defaulted, and required immediate payment in full to the tune of {$15000.00}. I explained that they had explicitly told me that no such loan existed the last time I spoke with them, but to no avail. I asked if there were other payment options. They said no. I explained that I did n't have that kind of money. They proceeded to cajole me about repayment, and even had the gall to ask me, " Can you maybe take out a loan for the {$1500.00}? '' I said my credit is shot because of my student loans, and that taking out a loan to pay a loan was ridiculous. Their operative then stated, " Is n't there someone you can borrow the money from? '' I told them that there was n't, and that in any case it was inappropriate for them to suggest such a course of action, to which he replied, " I 'm just trying to help you out, XXXX. I know you want to do the right thing. '' In response, I believe I said something along the lines of, " You want to talk to me about doing the right thing? I took out this loan to attend XXXX, a for-profit college which has since been found guilty -- in a Federal lawsuit -- of defrauding students during the years of my attendance. They had to pay {$95.00} XXXX to the Department of Justice, but I 'm still saddled with their -- bill plus interest. And you 're telling ME to do 'the right thing? ' As far as I 'm concerned, you 're working for a criminal organization. '' I believe the minion had no response to this point. I have since ceased contact with XXXX. I assume they sent my loans to collections. I hope it costs them a lot of money to hunt me down -- I 'm certainly not making it easy on them. And that 's my story. I thought it might be useful to you in your lawsuit. I hope you hit those XXXX hard. Sincerely, -- XXXX | ||||||
| 01/20/2017 | Yes |
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| I attempted to get my college education for the first time in 2009, and that 's when I had to borrow from XXXX, which is now Navient. Well at least that 's who is servicing my loans now. I can honestly say that it was the worst mistake of my life. I should have never started business with them or I should have never started college, but I did n't know any better because I was only XXXX years old and had no clue about student loans. They gave me a private loan which they called a " Smart Option '' student loan, however it was anything but smart. At first I had to borrow {$17000.00} for my tuition balance at University XXXX. The company approved my loan, and gave me 12 % interest rate, and made me pay " interest only '' monthly payments while I was in schools and working part-time. For the next semester I had to borrow again, and mistakenly and regretfully my parents made me go back and borrow more from XXXX. This time I was short {$5800.00} for the tuition. XXXX approved my loan at 11.75 % interest rate with the same conditions as I mentioned above. I had such a hard time being able to come up with my payments that it caused me to drop out and forget about pursuing me dream and getting higher education. I said to myself that I would never borrow private student loans again. For some reason, the whole time I made payments and paid thousands of dollars in interest, neither of my loans went down even by a dollar. When I stopped making payments it was because I was n't able to afford them and paid only what I could at the time. One day I get a notice that XXXX became Navient or at least transferred my loans to them. I began getting numerous phone calls per day to my cell phone from Navient harassing me and asking me for money. I called Navient numerous times asking them to work with me, to lower my payments or at least interest rates but they kept insisting that " there is nothing that they can do for me ''. I was told that to even consider lowering my interest rates, the company would need to pull my credit and affect my credit rating even more. The last time I checked my statement I saw that my interest rates were increased for some reason instead of being lowered, but no one needed my credit to do that? or even notified me? I 'm unable to afford $ XXXX/month when I 'm a student and also working as much as I can just to have the means to live. Now, because of this awful organization, my credit is ruined and I have someone harassing me for money on the phone all the time. My loans went from the {$17000.00} that I originally borrowed to {$19000.00} and the second went from XXXX one is {$6400.00}. Additionally, Navient charged me a lot of late fees which made loans even higher. This is even after I already paid XXXX of dollars in interest rates. 12.375 % and 12.625 % interest rates for these kind of loans, especially for student loans is way to excessive. This company is ruining my life by not letting me to have the chance on paying off these loans. I will never be able to pay these loans off unless something different happens. This is the worst financial organization in the United States, and I 'm praying to XXXX that our government will finally step in and do something about these unfair practices. Unless something happens, the student loan debt will continue to increase as well as college drop out numbers. Please assist me with this and finally help me with this huge burden. | ||||||
| 07/30/2018 | Yes |
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| I have contacted Navient by phone and email to discuss the following : -I did not receive a XXXX for XXXX. The website information states I am not eligible to receive a XXXX ; though payments were submitted for XXXX. Navient will not provide an explanation as to why. -I am currently unemployed and would like to negotiate terms according to my income. When I attempt to select payment options information on the Navient website to determine what my options are, I am refused and directed to call a Navient phone number - Navient operators refuse to provide detailed paperwork for review. I would like to receive paperwork clearly detailing and defining terms of what the Navient operator offers, and have opportunity to review any paperwork prior to agreeing on any terms -I would like paperwork clearly defining the breakdown of who owns my loans, and the principle and interest detail on the many payments I have made thus far. I would also like to know if terms of the loan have been changed at any point, as I do not have recollection of receiving any information. I have attempted to obtain information regarding my loan on the Navient website to determine what my payment options are. When options for repayment is selected, I receive an error message stating I need to call Navient directly. Navient will not answer email regarding my questions. When I call them, the last call being XX/XX/XXXX, the operator consistently changes the terms and amounts for payments. He ( agent XXXX ) initially wanted to add 100 payments to the back end of my loan in order to negotiate any reduction in monthly payment. He did not provide any explanation as to the addition of 100 payments and states he can not not provide any detail or reasoning on that. He then offered another program for 9 months at a reduced interest rate ; however, the terms are very vague, and he refuses to allow any review of paperwork on terms unless I provide a credit card so that automatic payments can be deducted on a monthly basis. Each time Navient is called, vague and differing terms and amounts for monthly payments are provided, with no explanations given. When I ask for detail, the operator states they can not provide any unless I give them a credit card and opt into their program. When I provide any hesitation, the operator will give another amount as monthly payment. On XX/XX/XXXX the cosigner of the loan and I called Navient and spoke with agent XXXX. The agent once again provided different information and was requesting that the cosigner provide personal financial information over the phone. This was not acceptable to the cosigner, as we have no idea how secure this information would be handled by the Navient operator. As a consumer, I, as well as my cosigner would like to review in writing prior to agreeing to anything, as well as have detail on the many payments I have provided thus far. Lastly, I have asked for a breakdown of who owns my loans and principle and interest detail. Again, this is something the Navient operators state they can not provide, with no option for this detail on the Navient website. I have no idea how this loan is being handled, both presently and in the past, as no valid detail is available or being provided. I, as well as the cosigner have made several attempts at resolving the aforementioned issues and concerns, only to be presented with confusing and vague information from Navient. | ||||||
| 03/10/2017 | Yes |
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| Upon my XXXX completion in XXXX, I was slapped with a bill of {$110000.00} from XXXX, after days and hours of battling, I was forced to pay nearly {$500.00} of month, however I was struggling to keep up after a year. I decided to go back to school in XX/XX/XXXX for my XXXX and my loans where put on deference for being in school warned that I would have to take on further interest at various rates. Various rates? I asked and no one provided me with as straight answer other than my payments will gradually increase because they are in deferment. So I am being penalized for going to school to better my life and income? I thought by going to school I would increase my changes for a better job. I took my time with school because I was working XXXX jobs to keep up with bills. I took a semester off in XX/XX/XXXX to allow myself to rest from rigors of XXXX school only to begin to receive numerous calls from NAVIENT about my payments being late. I told them that I was only taking the semester off and I would be returning in XX/XX/XXXX. They did n't care they wanted their money. But I was n't done with the program. Finally, I went full blast to complete the program only to have an unfortunate medical situation in XX/XX/XXXX-XX/XX/XXXX and had to stop school once again. I had just been employed with a decent salary and trying to save money. Regardless, I will be finally done with grad school in XX/XX/XXXX only to have my loans go back to auto repay. However, I am told that XXXX of my loans have exhausted in school deferment in XX/XX/XXXX while the rest will come into play in XXXX. The interest rates have ballooned my entire loans to almost {$190000.00}. {$80000.00} of interest in 5 years?? that 's another XXXX degree! I can not believe I must pay this off and since this is all private loans my options are low. Now I am regretful for even attending XXXX school. I made a terrible mistake of being in school altogether. I am very afraid as I am not sure what will happen this summer. I feel that now my XXXX degree is n't enough to help stave this daunting payment of $ XXXX/month. I called Navient months ago and they can not provide me any information of my eligibility of lower payment programs until my forbearance is over in XX/XX/XXXX. That is ridiculous because I tried being proactive and I should be able to know how much I am going to pay but yet they still want to raise my payments because of interest. I wanted to get some insight so I can at least plan my budget but I am not sure how much I will be able to pay. They informed me of having payment plans but I would have to wait to find out. I should be able to find out now?? Most of their reps are just people who take calls and get earfuls from customers and therefore they will tell you the basics but never actually work with you. They have all these departments that basically tell you the same thing which makes no sense. Their website is useless because all it does is to tell you to call them by phone. When calling them on the phone they tell you information is available online. I feel cheated that have accrued {$80000.00} of interest! My auto loan was n't on those rates and I was able to pay that off. I need help with this! These interest rates are no realistic to anyone. I just went to school to better myself not ruin life!! I can not believe this! I feel like I could lose my job or lose my apartment because of this! Please help! | ||||||
| 02/09/2017 | Yes |
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| For the past four years since I have been out of college I have been struggling trying to figure out how to repay my student loans. I was under the belief there was an income based payment plan I could get enrolled into. I was told there was nothing I could do online multiple times during this four year period and that I had to fill out forms and send them in the mail to them. I did do this I believe 3 times total I sent the paperwork to the address I was given each time and each time I was told they never received the paperwork. I have a multitude of phone calls that I can remember very specifically saying ca n't I do something online based on my income and was told multiple times this was the only way. So each time I was told the best thing to do was to take forbearance on the loan and refile the paperwork. I finally got frustrated enough after reading an article about a lawsuit against Navient recently for this very reason being unlawful and that I was not the only XXXX experiencing it, and called Navient and demanded to know all of my options. Again I received the run around and was questioned about where I was mailing things until I poked more and said I know there is an online resolution I read about it in the article about the lawsuit against you. As soon as this was said I was told by the gentlemen on the phone there was an income based repayment plan which is filed online. I had asked multiple times if XXXX dollars a month would suffice for a payment and was told the lowest with my income which has n't changed this entire time would have been XXXX. On a {$25000.00} a year salary, before taxes, I could not afford XXXX a month but have since learned this entire time it would have been XXXX a month with the correct repayment plan. I finished my phone call by asking him how much my current loan was at and was told I currently owed just over {$25000.00}. I then asked how much the loans began at when I left school, to which I was told just over {$10000.00}. So i barraged him with questions asking if there was anywhere I could complain to because for the past four years I have gained {$15000.00} in debt, which is more than I racked up the entire time I was in college, because the people who were supposed to help me chose not to. To this I was told there was nothing he or anyone else could do to relieve any of the interest gained and suggested since I was going forward with the income based repayment plan that I take forbearance so that my loans would n't risk defaulting. To my dismay I agreed to another 30-day forbearance to ensure this would n't happen and to give myself adequate time to resolve the issue. I believe this can not be legal practice I should be able to trust the student loan company to help me pay them back not bury myself so far into debt that I can not get out. If someone had told me from the get go exactly how to handle my student loans at this point I would almost have them completely paid off but instead I have an endless amount of debt that in four years has increased by % XXXX. I am beyond fed up and disappointed that I would have been better off in life had I not even gone to a higher education. I would beg anyone looking into this case to demand my phone call logs and recordings specifically because the amount of frustration and misleading these people gave and did to me is unbelievable and prime example of the suit currently in progress. | ||||||
| 08/14/2017 | Yes |
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| This all started when I tried to apply to get a car loan, I was given a high interest rate because I had bad credit. I was puzzled as to why my credit score was bad because I had paid all my credit cards on time and so forth. When I checked my credit score, I found that I had missed several student loan payments. I called Navient on XX/XX/XXXX to straighten everything out. They had the wrong email address and wrong phone number on file. I requested to have the information be changed, they confirmed that my email address and phone number were updated. They recommended that I take a forbearance because I let them know that I was unable to make a payment of {$500.00} towards my student loan. I then contacted Navient again on XX/XX/XXXX because that was when my forbearance was ending, I reviewed my file with them and realized that they did not update my phone number when I asked them to. They then again filed to have me take a forbearance, this was when I learned that forbearance 's would then give me interest on my student loan. No one ever told me that until I requested more information on how I can lower my monthly payment because there is no way for me to pay {$500.00} a month on top of rent, gas and food. The representative transferred me to a manager and then manager was cold-hearted about it. He mentioned that there was nothing he could do but to do a forbearance and that I could look online for some different types of repayment options. I remember hanging up feeling disgusted, confused and helpless. XX/XX/XXXX I contacted Navient to learn more about the repayment plan as it was unclear to how the whole process worked. The information online was n't as clear as it should be, when I called to ask more about how the steps worked, they recommended that I take a forbearance again so that I can get everything filled out. They did n't give me any gratitude postpone payment ( without interest ). So, once again I was forced to take a forbearance so that I can apply for the repayment program. XX/XX/XXXX, I reached out to Navient to see if they received everything for the repayment program. They said they did not receive anything and that my forbearance time is coming up. I am upset because I had filled everything out online, sent them the information that was needed and they did not have it. They once again advise that I take another forbearance, that was when I had a break down. I am just adding more interest to my student loans because they are n't being direct and clear with me. They constantly directed me to their website without giving me a clear guidance of my rights, what I can do to make things more affordable and on top of that with my XXXX ( being XXXX ) the best accessibility for me is XXXX XXXX XXXX. I was calling them through a XXXX XXXX XXXX so that I could have an XXXX to translate the call. However, I expressed my frustration and the operator was kind enough to give me a gratitude extension time ( no interest ). That was the first time I actually felt that I was being provided with assistance, I am still in the process of the applying for the income driven repayment program however there is still no guidance on what I can do. There are several different programs that I am eligible for however no one is giving me proper guidance/counseling to the right direction. I now have bad credit and can not even apply for a house loan, all because of my student loans. | ||||||
| 04/16/2015 | Yes |
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| I attended XXXX XXXX XXXX in XXXX, Ohio. My parent is the cosigner on my private loan, we were under the impression that without signing for the loans that I could not attend college, they were suppose to give us all of our options to pay for schooling ; but it turned out there were a few federal options and then the rest was Private. Nothing was clearly explained as to the lending and repayment options other than repayment begins after 6 months of graduation. Upon graduating, I found my own job in which I began my repayment and stayed in good standing, I was laid off and asked for financial hardship for repayment, but they charged me ( in which money I did not have ) to put loans into forbearance, and it continued to grow interest. once I found more employment, still not utilizing my degree, I began repayment again, yet they were farely high and I could barely afford to live. I then relocated and began working in my field for the next 4 years before being laid off again, due to Govt contracts and funding ending. I keep on time payments, and conversed often about my financial hardships, but by this time I no longer could defer or pay for forbearance, I exhausted all options and the only thing was to continue schooling in which deferred my loans once more, but once finished I went back to a low monthly payment, until further economic/financial hardship begun, once being laid off again and now being a single parent. My payments jumped up to {$1000.00} a month and I can not afford that. I explained to XXXX now Navient my issues and they seemed to not care, as I spoke with a scripted outsourced XXXX Representative. Frustration has now arised being my co signer is a retired, XXXX yr old widow, whom has taken my child and I back in because I can not afford to survive without any help let alone repay these large repayments back. My cosigner also is in financial hardship due to lack of income from Social Security and XXXX so there is really no options between the both of us. XXXX stated they will not consolidate, so the various amounts of separate private loans and interest rates are eating me alive, every time I seem to make a payment, it 's as if the total does not budge nor change for repayment. I can not find good paying jobs in my field with my degree, hints went back to school to pursue other endeavors, and now working a low paying job to maintain my family and attempt to make payments. XXXX did not tell me that my financial hardship repayment agreement had a time limit on it and as of a month ago my payments reverted from $ XXXX/month now to over $ XXXX/month more that my monthly gross. I now am considered to be late in repayment options now adversely effecting my credit and my cosigners. I am fresh out of options, I have spoken to other lenders for consolidation and they denied me due to credit as well as the rep of the school that I attended, stating that they are loan sharks and they repayment will be hard, they do not want to be involved with that. I can barely pay the amounts I use to pay let alone survive day to day from my income. I took a XXXX % pay cute once I was laid off, there is growth and potential with my company, but until I gain that I need desperate help to minimize my student loan debt. I fear attending anymore schooling and I also tell graduates to not even get involved with loans or even schooling for that matter, due to my horrific experience. | ||||||
| 05/23/2019 | Yes |
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| I am an XXXX XXXX XXXX in Florida. Being a XXXX XXXX I have applied for the Income Driven Repayment System. I have been on the Income Driven plan since I began paying my loans back in XXXX of XXXX. On XX/XX/XXXX of this year, XXXX, I received an email about needing to re-enroll in the Income Driven plan. I completed my application and submitted it on XX/XX/XXXX. My payments were {$160.00}, but I did expect them to go up due to a raise I received in XXXX. I received an email from Navient on the XXXX stating they received my application. On XX/XX/XXXX Navient withdrew {$1800.00} from my bank account. On the XXXX I realized the issue and immediately called their customer service. As a state employee, taking almost {$2000.00} from me leaves me barely enough to pay my rent, let alone leaving me with any left over for day-to-day living expenses. The lady I spoke with on the XXXX was minimally helpful. She was able to process the reimbursement request and she told me that it should be returned to my account no later than the XXXX of XXXX. She then explained that once the money is returned to my account, I will need to call them and use a month of forbearance to make up for that payment so my account can be brought back to " current ''. On XX/XX/XXXX, I was re-approved for the income driven repayment plan. They took {$1800.00}, two days before approving me to continuing paying less than {$250.00}. The XXXX of XXXX came and went and I did not receive the reimbursement. I called again on Monday XX/XX/XXXX to try and figure out what happened. I spoke to a different representative and she told me that it can take up to 10 business days for the money to be reimbursed. She told me the lady who told me that it would be in by the XXXX was just wrong. We recalculated the 10 day window and she reassured me that I should have my money by the XXXX, which was the following day. I thanked her and ended the call. The reimbursement was not in my account on the XXXX, but I did not know if it would be posted to my account sometime that day so I did not call on the XXXX. This morning, XX/XX/XXXX, the money was still not in my account, so I called for the third time.The gentleman I spoke with was unhelpful and gave me yet another timeline of when I can expect the reimbursement, this time telling me that it can take up to a month. I asked why there is not a system in place for people who were in the income driven plan, who have reapplied to remain in the income driven plan so that they are not put in this position, he could not give me an answer, but rather asked whether I called to submit the application or did it online. Why that mattered, I am not sure. I asked him who I could speak to because this was unacceptable and he told me that he guessed I could call the Department of Education. Navient pushes you to be on an auto-pay system, saying to can qualify for lower interest rates, and I know because I heard the message each time I was on hold waiting for help, and I sure to ensure that they are getting paid every month, yet they don't have have anything in place to freeze my Navient account or my auto-draft as they sit on my application for up to 3 weeks. Due to the large amount taken out of my account, I will not only have to use one of my months of forbearance for my loan, but I also have not been able to pay my credit card bill and I am now receiving late fees on that account. | ||||||
| 02/22/2023 | Yes |
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| I originally started out with a private loan through XXXX. I borrowed {$8000.00} in XXXX, {$8000.00} in XXXX, and {$25000.00} in XXXX ( {$41000.00} ) I did put my loans in deferment while I was in school finishing my degree, however I graduated in XXXX of XXXX and started the repayment process in XX/XX/XXXX. After deferment my loans were {$10000.00} ( 12.25 % interest rate ), {$10000.00} ( 9.75 % interest rate ), and XXXX ( 10.06 % interest rate ) all with separate interest rates but billed together for convenience total principle balance of {$50000.00}. Then in XXXX XXXX sold my loan to XXXX XXXX XXXX and XXXX stated my original principle amounts were {$8400.00}, {$8400.00}, and {$25000.00}. The two {$8400.00} amounts are my first issue. That information is incorrect, and I am not sure if it has affected my repayment in some way however my first payment to XXXX in XXXX of XXXX states my principle balances were {$10000.00}, {$10000.00}, and {$27000.00}. So in 3.5 years I only paid a couple hundred dollars towards principle? My monthly payment in XXXX of XXXX was {$500.00}. Even if only 1/2 of my payment was going to principle I would have paid {$3000.00} in one year to principle. Possible problem number two. THEN in XXXX XXXX sold my loans to NAVIENT. I am currently still waiting for them to send me/ show me what the original principle balance was when they purchased my loans because they cant seem to give me that information.They can only tell me what my original principle balance was from my original loan from XXXX . *unreal* Today I had a phone conversation with an agent from NAVIENT about how my payments were being allocated because every month a different amount is being applied to principle and the payment and interest rate changes every 3 months SO AT MINIMUM for 3 months at a time the amounts should be the same or at least within a couple dollars of each other due to the daily interest rate and what day you actually make your payment. The agent could not seem to understand or answer why there was such a significant difference in allocation *some months theres a difference of over $ XXXX Some months less than {$60.00} out of {$500.00} is being applied to principle. He just kept saying " The system allocates your payments automatically ''. I also asked about the months that show {$0.00} went to principle and ALL OF MY PAYMENT WENT TO INTEREST ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) how can that even happen? Another month ( XX/XX/XXXX ) only {$5.00} went to principle and {$520.00} went to interest. Something is not correct in the allocation of my payments and no one can seem to answer me on what is going on. I also have asked for consolidation or repayment options and all the agents say is " you seem to be making your payments just fine '' " theres nothing available to you at this time '' ... Since XXXX when NAVIENT took over my loans XXXX XXXX XX/XX/XXXX ( 5 years ) I have paid a total of {$30000.00} to my loans and I still owe {$35000.00}. *Even if my principle balance was what it was originally with XXXX in XXXX ( $ XXXX ) when I started with NAVIENT *which it should not have been because I had already been paying on my loans for 7 years before NAVIENT became the holder* I should be much farther in my repayment process. I actually should be DONE paying my loans. I have paid OVER {$65000.00} to these loans since XXXX and I originally borrowed {$41000.00}. | ||||||
| 10/08/2021 | Yes |
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| When the Coronavirus Federal Government pause on Federal Student loan collection was initiated, and when Federal Student Loan companies, like Navient were required to cease collection efforts and cease charging interest, my Federal loan servicer, Navient continued to send me a monthly reminder of my bill due under my income based repayment program. I though this was odd, since month after month during this Coronavirus pause on payments, my other lender, XXXX XXXX, did not communicate with me, no requests for payment, etc. at all. Yet Navient sent me emails a few per month that reminded me to make my payment. I made payments each month and on a phone call to them in the Fall of XXXX, I asked about why they are still seeking payments from me each month, I was told " yes, we are '' and I asked if they are still charging interest, and I was told " yes '' by the representative from Navient that I talked to. I just received another reminder this month, XX/XX/XXXX, when payments on Federal Loans are paused, to make my payment to Navient. I am including the email copy below. It seems to me that Navient is willfully disregarding this Federal Government mandate on how they should be operating. and insisting on payment and charging interest during this Coronavirus pause : Note : I am requesting that Navient reverse all interest charged during the Coronavirus period of Federal payment pause and apply all my payments during this Coronavirus period to my principal on my smallest loan and respond back in writing or email to me confirming that the payments have been applied to the principal on my {$8700.00} loan and that all interest has been reversed. Here is there email : XXXX, let 's get on track. Payment is due. We know life is busy, so paying your federal student loans may be the last thing on your mind. Looks like your last payment was made on XX/XX/XXXX. Log in to review your account status and make a payment. Pay Now If you can't make a payment right now, please call and talk to us about your options at XXXX. We're here for you : Monday - Thursday XXXX XXXX. to XXXX XXXX., Friday XXXX XXXX. to XXXX XXXX., Saturday XXXX XXXX to XXXX XXXX. ET. Or, skip the call - make a payment online or by mail : Navient, XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX Tips and resources Payment options are available like Income-Driven Repayment ( IDR ) if you need a lower payment. Navient.com and StudentAid.gov provide extensive information on all options available, including deferment and forbearance if you need to postpone payments. Please do not respond to this automated message. Emails sent to this address are not monitored. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic funds transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic funds transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Privacy | Terms of Use XXXX Navient Solutions , LLC . All rights reserved. Navient and the Navient logo are registered service marks of Navient Solutions , LLC . Navient Corporation and its subsidiaries, including Navient Solutions , LLC, are not sponsored by or agencies of the United States of America. XXXX | ||||||
| 01/23/2017 | Yes |
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| This loan occur XX/XX/XXXX, when I attend a school that closed in the city that I live and move to another city. The amount of the loan was XXXX, but since then it has gone up to XXXX. I have had ID theft several time, someone stolen my ID from my home in the later XXXX 's, but you ca n't get no police report back that far. Since then, I have had ID theft on my job XXXX. These collection company have wait till I was XXXX years old to wish to take money from my check, I have try everything to get this debt dismiss. I t is more than 40 years old and now the XXXX collection agency are come after me all these years, stating I did another loan, which I did n't. I just want this to go away, I was once told that this had been dismiss only to find out that it had been past to another collection agency. It strange that all these collection agency do is find old student loan to collection on, that should have drop off the system since the school closed in the city I was living in, All thought it open in other city it closed in XXXX, Ca. Due to a XXXX and I because I was on welfare, I was offer a opportunity for a new start. With a job that would get me off welfare, that I could make a good living, but that did n't happen. With in two weeks the schools closed, I got up and walk to like I usually do to only find out it had closed and move to a new city. I did n't have a car so there was n't any way to get to the new city, even thought it was just across the bridge, did n't have money for that. When this loan was with XXXX, I was told tat it had been discharge, Now some 40 years later, I find out a collection agency name Navient/XXXX. has got this debt and is threat to take my money refund, and they did the money I was suppose to get from the government of XXXX XXXX, and told they was apply it to my debt. But it been more than forty years so this should have drop off the system. Now, they wait to you are a XXXX ad want to take your money. I did n't even get the education for the field I was promise, that the funny part, I 'm only a customer service person. The education I was trying to get was for XXXX, which did n't happen. So, I end up work at XXXX XXXX, XXXX, not the job I was told I was going to have to better my life. And, now you want to take my money for a school that did n't even stay open. I have had to work hard all my life to survive and take care of my child with no family just us, and now that I 'm old they are send these collection agency to take my money. There are people out that owe more money for student loan and keep get them put on hold while they are doing other thing, only I 'm trying to do is hold on to my only money that I 'm earning, yes I 'm still working because I ca n't afford to retire due, these collection company always write about taking my money to pay a debt that is n't mind debt. Yes, I need help in remove this debt from my credit report or say it has been satify or that it has been remove. But, to wait till I was XXXX years old to send it to a collection company so can make money off a debt that so old that they are make a big profit, due to the age of this debt is craze. I have wrote to everyone for years only be told that it was erased, only to find out that was true. My name Is XXXX XXXX, # XXXX, SSN is XXXX. I hope after you read this you can help me because I have send so many of these out till it not funny Thanks have a bless day | ||||||
| 10/19/2017 | Yes |
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| My federal and private student loans are handled by Navient. I have been paying regularly using a debit card for many years. there has never been a problem with my debit card going through. About 4 months ago, all of a sudden, and despite my being in an automatic-debit program, Navient stopped initiating payments on both my private and federal loans. When I called to see why, I received no valid response. After a few weeks of calls, I put two and two together, based on different information I was getting from different representatives, and realized : 1 ) Navient was no longer taking payment via credit card, and 2 ) FOR SOME REASON, EVEN THOUGH I WAS USING A DEBIT CARD, THEIR SYSTEM WAS MISCLASSIFYING IT AS A CREDIT CARD, AND THEREFORE REJECTING IT. As a result of this, I could not pay from my bank account either via routing and account number, or debit card number, because my account and card had been blocked. The department I was dealing with at this point, said whatever documents or measures I took to correct my issue with the bank account would be sent and apply to both my Federal and private loans. The department also said that an overdue payment would not hit my credit for 90 days. I spent significant time trying to rectify the situation ( 20-30 calls, if not more ). I even went to my bank, to get a letter issued, to provide proof that I had a bank account, that it was mine, and that it could make payments. I received this letter and faxed it THREE TIMES to Navient between early XXXX and XXXX XXXX, XXXX. Each time I faxed it, I would wait a few days, and then call to follow up. I was repeatedly told that it did not go through. As a result, on XXXX XXXX, XXXX, and despite Navient staff 's initial refusals to provide me with an email address to send my bank 's letter to, they finally did. It is attached. I WAS TOLD THAT WITHIN 72 HOURS, THE LETTER WOULD BE PROCESSED, AND I WOULD BE ABLE TO USE MY BANK ACCOUNT TO MAKE PAYMENT. THIS HOWEVER NEVER HAPPENED. Because my bank account was never allowed to make a payment, I had my wife get on a call with Navient, and I, and make a payment towards my federal loans. I was then told my private loans would not be reported to credit for 90 days, and so we waited a few more days, to see if my bank account information would be processed, before making the private loan payment. Even though 90 days has not gone by, I have come to find out my private loans have been reported to my credit, as well as my co-signors. I am completely at a loss regarding why Navient misled and caused so much confusion, with respect to a FORM OF PAYMENT I HAD BEEN USING FOR YEARS. This was never a credit card, it was always a debit card that I had used. I am also at a loss regarding why Navient precluded me from making payments using my bank account information, and misled me by saying that if I got a letter from my bank confirming the account was mine, that I would then be allowed to make payments again but that this never occurred, and I was never allowed to make payments. I am also confused regarding why Navient misled me into saying that my private loan would not be reported to my credit for 90 days, yet they reported it prior to. These activities are incredibly harassing, and disrespectful towards consumers. To date, I have not received a solid answer from Navient, who refuses to take the ding off my cosignor and my credit. | ||||||
| 01/21/2019 | Yes |
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| Several years ago, I was paying off a large student loan debt with Sallie Mae via online payments. Around the time that Sallie Mae was moving the servicing of its existing loans to Navient, they removed my account from online access so I could no longer view the balances or make online repayments- for no apparent reason. This made it more difficult to make and track payments and marked the beginning of endless Navient problems. I attempted to rectify this on multiple occasions and reinstate online access but was never reinstated despite numerous calls. I had previously made some extra payments by phone to Sallie Mae to pay certain loans in full and close them out early. There were never any issues with that process, so I made a large phone payment to Navient to close several loans around XX/XX/2013. I had given specific instructions over the phones and received verbal confirmation that payments were made to specific loans to pay the balances in full and close these out. Almost a year later, I was shocked to receive an overdue balance notice in the mail for some of the loans I had paid off. I called Navient customer service at least a dozen times requesting an accounting of payments made and how monies I paid were applied, and spoke with numerous reps and supervisors in the call center with no action taken to provide me with an accounting. I was told that despite having an open overdue balance, Navient had supposedly sent me a refund check for over 300 dollars. They had no viable explanation for why I would receive a refund if I still had outstanding debt. Needless to say I had no record of receiving this check, and would certainly remember it had it actually arrived since it clearly indicates an error. When I asked about the credit, they attributed it to a difference in interest that had been quoted at the time of my payment but had not yet accrued because it was done mid payment cycle and therefore needed to be credited. I then clearly illustrated to the rep that this explanation is mathematically impossible because the dollar amount of the credit was equal to roughly a year of accrued interest based on the loan principal amount times the interest rate. He agreed, and stated he would look into the account further but took no action, again, to provide the detail on the account. I finally asked for a formal complaint process and was told the only option is to write a physical letter to an ombudsman and mail it. I did just that and wrote a detailed letter, mailed it to the address the call center provided and waited approximately 3 more weeks. When I called to check on status, I was told my letter was never received. Since no accurate balance or payment history was made available to me and errors with misapplied payments were never corrected, I did not make any additional payments after this time since I did not know what the actual balance was, or which loans were open that ought to have been cleared. Quoting an incorrect balance or loan numbers did not stop Navient from their collection efforts against me and from ruining my credit despite failing to address and correct the issue. Aside from endless calls for collection, they reported and continue to report this as bad debt each month for multiple years. They have added interest and penalties to the balance and have validated this debt as accurate when I've disputed it with the credit reporting agencies. | ||||||
| 04/07/2017 | Yes |
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| When I first enrolled in XXXX back in XX/XX/XXXX, I was on unemployment, living with friends, barely making ends meet, and desperately looking for something to better myself and my future. I remember telling the loan advisor that I had no idea how to make payments, and that there was no way for me to make payments while in school. Even interest payments. The loan advisor told me not to worry about it, that after I was making money it would be easy for me to pay off any loans incurred. A couple months after enrolling, my father passed away and I was going leave school. I spoke with the XXXX of the school, XXXX, and he had me speak with the loan advisor, who told me to " stick with it '' and " make my dad proud '', which hit a XXXX chord and made sense at the time. Moved to XXXX in XX/XX/XXXX and still wanting to " make my dad proud '' talked with XXXX about re-enrolling, but ultimately decided to enroll in XXXX with a focus on XXXX. Again getting the " worry about it later '' song and dance from the recruiter. Lost interest in the program while enrolled, but was doing very well so I stuck with it telling myself I was makin my dad proud. Even had this exact discussion with faculty who encouraged me to keep making him proud regardless of financial situation. Graduated with a XXXX in XX/XX/XXXX, still had little to no interest in my area of study, and still had no idea how to pay off the loan, so I contacted Navient and was told to keep my loan in forbearance as this would n't negatively effect my credit but would keep interest rolling. While the interest did n't sound good, the non-negative credit effect sounded good, so I kept my loans in forbearance for a couple of years, just not worrying about it, out of sight-out of mind kind of mentality. I mean this is what the loan company said was best, so this is what I did. Now almost 5 years after graduating I have an almost XXXX XXXX XXXX daughter, work for myself trying to start up a small business, and also help with a friends non profit, and can not afford the almost $ XXXX payments that I was told not to worry about until later. It 's later, I still do n't know how to make these payments, and I 'm now worrying about it. For a couple of years I kept the loans in forbearance and at the end of each cycle I would contact Navient and they would well me how many months forbearance I had left, and I would tell them " keep it rolling ... '' I know I was an adult ( well, kind of ) when I enrolled in school, but ultimately I feel as though I was convinced by a good team of recruiters to enroll in something they knew I could n't afford, and then after it was all said and done I was misguided by the company handeling my loan to keep the loan in forbearance while racking up interest until it was too late and really pst anything that I could financially handle. If I knew then what I know now about student loans and credit ratings, I would have never made the leap into school, nor would I have buried myself further in debt to " make my dad proud ''. Looking back I was duped and cohersed into making bad finanacial decisions, and future decisions, by teams of people who did n't have my best interest in mind. Now in the end I 'm stuck with a massive debt that I ca n't afford to pay off, and a degree and credits from XXXX schools that are either out of business all together, or no longer recognized as a college/university. | ||||||
| 01/28/2019 | Yes |
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| XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX v. XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX Credit Reporting Agency and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} acct : ending in XXXX XXXX ( XXXX ) c/o XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- There were two credit accounts during this period acct 1 : ending in XXXX acct 2 : ending in XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- acct : ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date ( s ) of final payments : XX/XX/XXXX-XX/XX/XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Addendum : XXXX-XXXX XXXX ( XXXX XXXX ) acct : XXXX XXXX-XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( multiple loans consolidated into one, however I have approximately 24 pages of student loans showing on my credit report. XXXX will show that payments to the XXXX XXXX XXXX XXXX began in XX/XX/XXXX and likely deferred/forbearance request in XX/XX/XXXX or thereafter ; with initial loan taken out in XX/XX/XXXX at XXXX ) XXXX ( landline ( XX/XX/XXXX ) and cell ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) contract is attached with evidence that there was a prior XXXX purchase in the year XX/XX/XXXX ( XXXX XXXX XXXX ) and evidence showing being paid on XXXX statement. XXXX XXXX receipt attached ( prior inquiry XX/XX/XXXX or prior ) XXXX XXXX XXXX XXXX | ||||||
| 11/02/2017 | Yes |
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| I have attached/uploaded my Promissory Notes and the notification letter I reference below to this complaint. Around XX/XX/XXXX, I received a notice from Navient that my private student loans were placed in repayment status. When I called Navient to explain that I am in graduate school at least halftime and should therefore qualify for deferment, I was told that my private student loans had exceeded their allocated deferment time. I requested that my promissory notes be sent to me so that I could review this agreement as I had no recollection of such a limitation in the agreement. I arranged for interest only payments and my account has been current since this time. I called again in XX/XX/XXXX to request my promissory notes as they had still not been sent to me. In XX/XX/XXXX my promissory notes arrived. I reviewed the promissory notes and found that there was not a date specified for the limit of in-school deferment on my private loans. I called Navient and after speaking to a representative, I was transferred to a supervisor. I explained to the supervisor that I was currently looking at my promissory notes and that it did not specify that my in-school deferment was only 48 months. Instead the note said, " If I return to school I may request a Deferment under which I may defer regularly scheduled payments after the Repayment Period. As long as the school is eligible for the Student Signature Loan Program, you will automatically grant Deferment. '' Each of my private loans has the same Deferment clause. The school I attend is eligible for this deferment because up until this year, the loans were in deferment. The supervisor reviewed my promissory notes while I was on the phone and contacted his supervisors. After speaking with his supervisors, he told me that even though, " my promissory note does not specify a time limit to deferment, '' I was still obligated to pay as the 48 months of deferment were a " company policy '' and this time period had expired. He then said he could send me a letter in the mail that explained the situation. When I pressed the supervisor, asking him where this 48 months information was available if not in the promissory note, he repeated it was a company policy that would have been on the website at the time I took out the loans ( XX/XX/XXXX-XX/XX/XXXX ). The supervisor then continued to repeat that he could send me a letter in the mail that would explain the company policy. I requested that this letter be sent right away. At the end of XX/XX/XXXX, I received the letter explaining the company policy in the mail. The date on the letter is XX/XX/XXXX. This note explains that " the exact length of In-School Deferment may not be specified in the promissory notes. These deferments are processed at Navient 's discretion as a courtesy and not an entitlement. Navient 's deferment policy allows up to 48 months of In-School Deferment for Signature Student Loans. '' I have continued making interest only payments since I received this letter. If I had been aware of the " company policy '' at the time I took the loans out from XXXX XXXX -- Navient was not yet associated with XXXX XXXX at the time I took these loans -- I would have planned my education and finances differently. I spoke with a Student Loan/Debt specialist and they suggested I contact CFPB before I pursued any other options, including speaking to a lawyer. | ||||||
| 10/23/2020 | Yes |
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| XXXX XXXX I went to file my taxes with XXXX XXXX XXXX XXXX and applied for a anticipation refund loan which I was suppose to receive with in two business days. I called to check the status of my return and found out that the my tax refund was offset and re directed to the department of education for unpaid default student loan. As of XXXX, XXXX all of my loans were paid in full to Salliemae. which were the original lender for my loans. Sallie mae had contacted me in XXXX to get my loan out of default that i would have to pay the total amount due for my loans and threaten to put a lien on my parents home. My parents decided we needed to apply for a home equity loan to pay off my student loans with salliemae. the settlement payoff amount was XXXX. A lawsuit was filed by the Attorney General against my school XXXX XXXX, XXXX XXXX, and Salliemae. for several unlawful, fraudulent acts. from the years of XXXX through XXXX. I then reviewed and had to look through old records from the year i attended. came to find out that I had paid over the amount owed for my student loans and should have not offset my tax refund of XXXX i recently filed and redirected to department of Education I Would like my tax refund of the total amount that was wrongfully and illegally taken from me which was ; {$3000.00} by the Department of Education List of Supporting Documents : I have {$1900.00} in paper checks that were withdrawn from my account. to XXXX and Sallie mae.. i have Electronically Payments that were withdrawn from our bank account total of {$570.00} i have copies bank statements total amounts {$770.00} including a wire transfer of the total settlement pay off amount of XXXX and in addition to that my tax refund that was taken on XX/XX/XXXX of a total amount of XXXX by Department of Education The Complete Total Amount that was paid was XXXX I was charged over the amount of the my tuition.. THE TOTAL AMOUNT OF MY TUITIONS when I signed the loan agreement was XXXX total including the dollar amount the credit would cost me and charged is of {$5400.00}. Their was several altered information done by the school and my lender. XXXX would not post my payments towards my student loans.Sallie mae would raise my interest rate two times a month. payments by check were paid up to three times per month to both sallie mae and XXXX. and withdrawn from our account. Sallie mae sent statements with past due amounts when we paid more than the monthly payments amount and eventually put my loans in default. when payments were not late, doing that. they would raise the interest rate, split up my loans into five loans, add interest rate fees to each loan as high of 18.25 % charged for late fee that were originally XXXX and was raised to XXXX per month. I have been given the run around for years. Sallie mae which is now called Navient. Have done so much harm to my life, when i was XXXX i couldnt even apply for a credit card because of to many loans were open. Rather it was XXXX, XXXX XXXX, Navient ed fund, or Department of Education have fruadulent collected and ruined my credit to the point i could never fix.. O would like what was owed to me and my parents. Its only fair. I shouldnt have to have my parents and i go through this because i was XXXX to take the word of a XXXX representative. I thought they were going to help me get a career and i thpught i the time is was worth it. | ||||||
| 05/31/2017 | Yes |
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| To Whom It May Concern : I, XXXX XXXX am writing to dispute 2 Federal Tax Offsets. The 1st occurred on XXXX XXXX, XXXX in the amount of {$550.00}. This was done in error. I have a Federal Student Loan that has been serviced by Navient. In XXXX of XXXX I was informed that my loan was in default do to non-payment. Naviant had been sending my all mail correspondence to an address in XXXX, XXXX which I was no longer living. I was then put into contact with XXXX and referred to a student loan debt recovery company on behalf of XXXX. I went through the debt recovery program with XXXX XXXX XXXX and started payments of {$100.00} a month for 9 months, and made my first payment to them on XXXX XXXX, XXXX. Before these payments were arranged and before I was able to go through the recovery program, I had to give XXXX all of my correct contact information, as well as XXXX XXXX A Federal Tax Offset in the amount of {$550.00} went through on XXXX XXXX, XXXX and a portion of my debt had been reduced in that amount. After the 9 months was completed and my last payment made, on XXXX XXXX, XXXX, my loan was then sent from XXXX XXXX, back to XXXX, in good standing. As of XXXX XXXX, XXXX my loan was in good standing and sent back to Navient. At this time, I was living at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. My loan was sent back to Navient and received by them on XXXX XXXX, XXXX and not one time had I received ANY correspondence from Navient regarding my loan. My address did not change until XXXX XXXX, and again most recently in XXXX XXXX. My family and I have moved to XXXX in XXXX of XXXX. The same situation happened again on XXXX XXXX, XXXX, the second Federal Tax Offset. I received a letter from the Treasury of the United States, informing me, that once again, my loan had again gone into default. This time I was not eligible for recovery, being that my loan was once again in default. The treasury, by federal law, had sent my Federal Tax Return, in the amount of {$7600.00}, to XXXX to settle the debt. At this point I had no idea my loan was even in default, due to Navient not having the correct address in which to send my correspondence. Navient had a little bit over a year and half to send me letters informing me of my loan situation. As of XXXX XXXX, until now, XXXX XXXX, I have not received any correspondence from Navient informing me of the status of my Federal Student Loan. Navient received all of my updated contact information as of XXXX XXXX, XXXX, and still failed to send correspondence to the correct address that was provided to them by a company they hired to collect a debt from me ( XXXX ). This loan has been sent to default in ERROR, again, by the original servicer of my loan, Navient/XXXX XXXX. I would like to get this disputed right away!! My family and I have been going through a hardship since this error occurred. Like every other American, after we got our taxes done and were told we were getting a tax refund, we went and made payments and purchases. With that being said, by Navient moving my loan into default, and causing your company to take a Federal Tax Offset of our tax refund, we had to take cash advances on our credit cards to make up for the loss of these monies. This whole situation has put stress and strain on me and my family. I would like this situation resolved in a timely manner. Thank you, | ||||||
| 03/22/2022 | Yes |
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| I have been paying XXXX XXXXNavient private student loans on and off for at least a decade now and my total balance owed has never decreased but instead INCREASED with no hope of it ever lowering. Throughout the years I had to get on a Rate Reduction plan where each time I needed to extend the payment plan, the monthly amount increased despite being asked the amount I can afford per month. On Tuesday, XX/XX/2022, my latest attempt at trying to lower my monthly payment and extend my Rate Reduction plan, I tried to fill out a financial form to provide updated information highlighting my current financial obligations and what I would be able to handle financially moving forward ( which isn't much AT ALL ). Unfortunately the form I filled out was not properly submitted on my end due to an error so I decided to call Navient instead. When I called Navient, I gave the representative my information for confirmation purposes and informed her that I'd like to provide my financial information via phone since something wrong happened when I tried filling out the form online. The representative ONLY asked for my monthly take home pay AND NOTHING ELSE. I was not asked about my rent, utilities, phone bills, other financial debts, etc... Instead after taking note of my take home pay, the representative told me they can extend the Rate Reduction plan for another six months at 7 % interest rate and the only other option would be the Interest Only plan which would be more money to pay monthly. I informed the representative that I COULD NOT afford that amount AT ALL especially since all of my bills have increased and I would like to avoid going into default as that may be my only option. The representative then told me the she was sorry and those were the only options available to me. After getting off the phone, I attempted to fill out the financial form again and fortunately it went through successfully. I'm hoping this time my financial struggles will be taken seriously and into consideration as opposed to being dismissed. I have tried for years and years to be able to have a reasonable monthly payment that I can afford and they can get their money, but instead I am being forced to pay more and more when I literally CAN NOT AFFORD IT! I have been paying other bills late and postponing what I can just to make ends meet. I have expressed a number of times that what I can handle is to pay one loan at a time allowing me to have a better chance at paying off my loans while Navient still will get their money. Unfortunately I have not had Navient compromise with me AT ALL. And what's worse, I also have a great number of Federal Student Loans to pay off as well and I'm not sure how I'm going to pay that off when Navient refuses to compromise! I am at my wits end and am ready to just let my loans go into default just to have a little chance to save some money to pay my bills, pay down my debts, and have enough money for groceries. I've even asked if there was a way that I can settle my debts and was told no. I would like to know who I can speak to and/or who would be a reliable source to get this situation handled fairly and justly. I am very disturbed and anger that this institute would blatantly dismiss the financial struggles of an individual while willing to increase the monthly payment during a nationwide inflation crisis with price increases everywhere! | ||||||
| 10/03/2017 | Yes |
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| I am writing to formally request assistance with a debt attached to my name for the last 12 years. During my tour of a campus and the finalizing stage of my enrollment in XXXX XXXX XXXX XXXX, I was required to sit in front of a financial administrator that went through the possible grants and scholarships I would be eligible for throughout my tenure. What was not explained was that while only XXXX years old, sat there eagerly jumping through hoops to begin the climb to my next educational plateau, I was incurring a sneaky debt that I did not request, did not ask for, did not approve. During my stay at this college, without my knowledge, two separate loans for the amount of {$1500.00} and {$2300.00} were attached to my name in XX/XX/XXXX and XX/XX/XXXX respectively. Suddenly, I was responsible for the repayment of not one, but three separate accounts each of which demanded my undivided attention and immediate action on. I remember having a conversation with one of XXXXs associates demanding repayment who stated that they required a minimum amount of some percentage or figure and recommended I agree to a {$700.00} a month payment for each account. Unable to repay these loans to the tune of the requested {$2100.00} a month I had my wages garnished for a period of one year. At the onset of this one-sided agreement I was informed that I would be paying a percentage of my income for the duration of my employment until the debt was satisfied. The paperwork was completed by my superiors and the blood-letting began. I endured faithfully the full weight of the additional taxing of my income without complaint, pause, deviation, or deception. The final payment date arrived and I subsequently received a letter stating the conclusion of my penance. I am now being informed that I still owe nearly {$3000.00} in principle and interest. The closest thing XXXX has to my authorization is a blurb at the bottom of a form that reads, Electronically signed at XXXX, flanked by a carbon copy of a physical date stamp originating in their office. Ive never visited XXXX. I didnt have an account on that website until last month. Therefore, any financial aid documentation agreed to would have been, if at all, digitally signed at the FAFSA website. Certainly then, it does seem like a document was rushed into existence at the time of my serious inquiry into this demonstrable fraud. The youth of this nation, by Navient and XXXXs hand, is therefore born sick and commanded to be well. Created with the natural lack of education, teeming with a desire to learn, they instead burden us with unshakable debt prior to us ever entering the workforce or actually earning anything for our efforts. Never mind the fact that the education system fails to provide curriculum that can even keep tempo with todays evolving technologies, they compound this broken system with a ceaseless taxation that, rather than allowing the youth of nation to grow and flourish, instead forces us to tread water while they charge for life vests they throw down from their ivory towers. Consider this and the documentation enclosed my formal charge and demand that I be released from this pestilence as I have not only satisfied that which they demanded, but also on the basis that they have no legal documentation obligating our initial financial relationship to begin and certainly no cause for it to persist | ||||||
| 03/07/2018 | Yes |
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| I originally went through university of XXXX XXXX to get my XXXX degree. They were using XXXX XXXX originally as their loan service. I switched to XXXX XXXX for my XXXX and they were using the same. XXXX had me sign up for a private loan with out telling me why it was different and the financial adviser did not explain what the difference was between the two. That being said I had to stop going to school because I was told by the XXXX financial adviser that I had reached my financial aid cap for my degree and unless I could pay for it out of pocket I would not be able to get anymore student loans for my degree. So I stopped going to school and I was not making a lot of money ( barely 10 dollars an hour at the time ) and so I could not make the payments and my loans went into collections. Finally 2 years ago I was in a position where I was making more money and I was able to pay a little more. I was contacted by a loan collection company and they said they would take payments from me for 1 year and then transfer it to another company after the year. But If I made the payments for 1 year they would take my loan out of collections. I worked with them and payed them XXXX dollars a month for the solid year - they did transfer my loans away from them and unfortunately they went to Navient. I tried working with Navient ( they wanted XXXX a month from me ) I said I could not afford that and asked for an income driven payment plan. Other companies in the past had always taken into account not only what I was pulling in from my paychecks but how much my bills were that I had to pay for. Navient did not, they wanted a copy of my paystubb and when I also sent them an itemized breakdown of why I could only pay XXXX a month instead of XXXX a month, the representative on the phone promptly said that we don't take into account monthly expenses of what you have, all we do is see what you make and determine that you have to pay the amount you were told to. XXXX obviously is way to much with a mortgage, car payment and CC bills to pay as well. I advised them there was not a way I could pay for that amount and all i could afford was XXXX. The rep told me that if I didn't pay the amount that I was being told I had to pay then I would be getting negative reporting on my credit report and my option would be that I could put my loan into forbearance for a time until I can make the payment. Feeling I had no other option I put it into forbearance for a year ( its gaining more interest now, but what choice do I have ) and I am trying to figure out a way to get my loans away from Navient so I can actually pay them. I didn't get it out of collections just to put it back in. I want to make a payment however I don't want to send it to Navient because I have also seen on web and other peoples statements with their lawsuits that they conveniently lose payments or simply don't record them correctly. I seriously don't know what to do other than try to find a company that will take the loans away from them so I don't have to worry that my payments are going nowhere. I am hoping that If I get it to someone else I will be able to trust that my payments will be recorded correctly. I want to pay my student loans but I don't want to be paying so much that I am living paycheck to paycheck. I want to still be able to live comfortably and not have my credit dinged all the time. | ||||||
| 08/15/2017 | Yes |
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| Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Product : Student loan Issue : Struggling to repay your loan - my wife is still on XXXX and they forgive her loan not able to work. I asked for the same thing when we went into bk and struggle to discharge in XXXX XXXX after 5 years of struggling and trying to get back on our feet. I File back in XXXX after this loan appeared in our Bankruptcy -Navient XXXX # XXXX unsecured /late filed XXXX/XXXX/XXXX XXXX is when my son paid off his small balance of XXXX 3 years ago, but sent me a booklet with stating your forbearance has been approved which I never requested or spoke to any rep from Navient and it on our bankruptcy file if needed to see it. Plus I filed again and got Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Action taken : COMBINED WITH DUPLICATE COMPLAINT XXXX Product : Student loan Issue : Struggling to repay your loan, no one email or call or spoke with me with 1 days or 60 days but letter is date XXXX/XXXX/XXXX? stated your first payment of XXXX due XXXX XXXX XXXX with booklet thru XXXX XXXX XXXX? Fraud and wrong person and my son did n't sign a loan and why would he with drawed way before the end of the semester? With his job he do not make a lot of money and his wife only works part time with XXXX kids so his credit and maybe his income was affected by this and please make sure this does n't hit my credit which damage after discharging from XXXX XXXX XXXX. I responded to your Consumer Financial Protection Bureau inquiry on XXXX XXXX, XXXX nothing done. I will send you more information, but did you receive any information from CFPB. based on me and my wife are currently in a Chapter XXXX, there was has been no contact before we filed 4 years ago about student loans or option to forgiveness or disputes the excessive charges /interest or payments I sent seem to be applied by XXXX XXXX and fraud by our College in receiving these loans when we both were on Full term Basketball Scholarships? We have disputes this since XXXX. I sent more information this is her ( Response -- XXXX XXXX, We received the complaint but was unable to locate any information regarding the loans you mention and was unable to view the attachment you included. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ( XXXX ) XXXX Ext. XXXX But the Navient loan filed in our Chapter XXXX Bk was a loan for our son who attended XXXX XXXX University for only 3 months withdrawn on XXXX XXXX .and he only had a XXXX bill for books part dorm room which was paid over the 3 years with interest over XXXX and have proof .This loan is for XXXX disbursed XXXX/XXXX/XXXX .when he was there and never filled out a loan for that amount or did I do a student parent loan with me having a fraud loan on my credit for XXXX back in XXXX? I would like to file with the class action lawsuit, one for fraud and adding my son information to a BK, illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; Please add me and I will have my son file a complaint to added to the lawsuit. We call the school 3 years ago he did n't owe anything, This company needs to be stop. Sharing his information, ( NPI act ) and attached it to our bankruptcy, making seem like we whole this debt. my question where is did the funds go XXXX? | ||||||
| 06/06/2018 | Yes |
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| I've held a private student loan with Navient Solutions , LLC . ( XXXX XXXX formerly Sallie Mae ) since XX/XX/XXXX. Since the start of my loan, I've had issue after issue with the company. From allocating my payments incorrectly during the repayment process - to encouraging co-signer release at just XXXX years old - to failure to notify me of major account changes which resulted in capitalized interest and fees - my entire experience with Navient ( Sallie Mae ) has been a costly and stressful nightmare. On XX/XX/XXXX, I logged into my Navient account online and noticed a payment of {$40.00}. was made to my account that I personally did not make. I immediately called Navient customer service and notified the representative that a payment was incorrectly made to my account. They confirmed the payment was made by check and insisted it was made by me. I again told them that the payment was not made by me. First of all - I never make payments via check, my payments are always made electronically right on the website. And second - my payments are always in the {$300.00}. range ... never just {$40.00}. so I knew this was not my check. I asked to see a copy of the check and they said it would take 11 days to generate. So I waited the 11 days and called back on XX/XX/XXXX. Again, I explained the situation to the Navient customer service representative and he faxed me over a copy of the check. Upon receiving the check, I immediately realized that this check belonged to another person, with a similar name yet all of the account details, address and Navient account # s were different. It was so obvious that it was not my check. Its as if whoever processed it was so lazy and incompetent that they didnt even thoroughly check for the right account, they must have just applied it to the first account that came up in their search with the same last name. Furthermore, Navient has now provided me with this other account holders banking account information and routing number at XXXX XXXX XXXX as well as additional personal PRIVATE information. To make matters even worse ... they wrote MY social security number on the check along with the other account holders information. Because Navient was useless in helping me resolve it - I called XXXX XXXX XXXX. I was able to reach customer service there just by entering the account information from the check. I explained to the representative the story behind this mix up and they said that since the check has already been applied - there's nothing they can do. They said that unless the 'other ' account holder calls regarding not seeing her payment posted, there's nothing they can do about it. Frustrated, I tried finding this other person online. I tried calling her house phone by looking up her address. I tried messaging her on social media to explain what happened. And all of my attempts were to no avail. I decided to let some time pass and hoped that Navient would catch the mistake and reconcile it on the back end. However, Ive just logged into my account online today, XX/XX/XXXX and I see that ANOTHER payment from the same person, in the amount of {$40.00}. was subsequently applied to my account on XX/XX/XXXX. Now, I am in absolute disbelief. How is this company still doing business? Their practices are unlawful and their integrity has been severely compromised. When is enough, enough with this loan provider? | ||||||
| 06/10/2022 | Yes |
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Web | Servicemember |
| Navient had gotten 5 of my student loans from the Department of Education. First and foremost, I have spoken at length with the Department of Education on this matter and they have confirmed that Navient had a duty to notify me that my student loans had been placed with them, which they did not. The way I found out about this was I got my bankruptcy discharged in XXXX of XXXX and was looking through my credit report and found they had reported five accounts as being 90 days or more past due. At that time I initiated calls with them to correct my report as I was never notified that I was late on a payment much less that they were the servicer. During my bankruptcy filings they reported to the credit reporting agencies that my accounts were flagged for bankruptcy and my balances were XXXX which I have enclosed one of those notices from XXXX but could produce all of them if needed by the CFPB. Moving forward to XXXX of XXXX because of being determined to be XXXX percent XXXX by the Department of Veterans Affairs I initiated a disability loan forgiveness petition with the Department of Education that I provided all of the information required by them, they investigated, and approved. From that point in XXXX I spoke with the Department of Education and was informed that all of the loan servicers had 90 days to discharge those loans. By XXXX all of the loans were already discharged and reported as such on my credit report except for the loans from Navient. Being naturally curious why all but those were taken care of except the ones from Navient I called them around the if not on XXXX of XXXX ( and I invite the CFPB to request that conversation as I was told by Navient it was recorded to prove this statement is accurate ) and discussed the matter with them where they told me that they were waiting for to guarantor to finish their end of the paperwork but it would be finished before the 90 day period. I told them I would be calling back after that 30 day period, which would have been the XXXX of XXXX to ensure everything was taken care of properly. Before I was able to call them back on the XXXX of XXXX they had already reported me to the credit bureaus as missing a payment on loans that they knew was already approved for discharge and I had spoken with them about the prior month. So they willfully and with malice reported information to the credit bureaus they knew XXXX percent was false. That not withstanding, I was curious how they were reporting on accounts that they had already flagged as XXXX balance to the credit report agencies due to bankruptcy. That is something that I will be posing to the XXXX XXXX XXXX of West Virginia as well but, it is still an important part of this complaint that the CFPB should be aware happened. My credit score before this began made it to within points of XXXX and just on their flagrant actions caused my score to drop XXXX points for which it has still not recovered to this day. So they have willingly and wrongfully injured my credit score as I should be well in to the XXXX by now as I have not missed a payment on any account since this incident which means my credit score would have increased over that time had it not been for their defamatory and willful slander. I will be happy to provide copies of my credit report and any other documents the CFPB should require to substantiate this complaint. Thank you. | ||||||
| 12/19/2017 | Yes |
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Web | Servicemember |
| Hello, My issue is in regard to Navient 's federal student loan department. In the end of XXXX XXXX, I 'd requested a six month forbearance ( from XXXX XXXX to XXXX XXXX ), not only because I 'd recently had XXXX XXXX and was still on XXXX XXXX, but with the stated intention of consolidating my federal student loans with my other lender, XXXX ( which I have since done ). Navient was informed of this during my call to ask for the forbearance. Unfortunately, due to their outsourcing of our calls overseas, I genuinely feel the person I was speaking with did not have the best grasp of what I 'd requested ( although I spoke slowly and stated it on multiple occasions ). After asking for 6 months, to which I was told " Yes, of course '', I 'd put it from my mind, as I was planning to contact XXXX about consolidation at a later point. Well, come XXXX XXXX ( the forbearance was supposed to last until XXXX, and my process for the XXXX consolidation was underway at that point ), I 'd received a derogatory mark on my credit report! ( I have an A+, 100 % score for payments, and I can prove that, so it was obviously quite a shock ) After contacting Navient about why I had a " derogatory '' payment, they stated I had only been given a 6 WEEK forbearance, so I was now 90 days late! WHAT??!! Why would I ask for a 6 week forbearance?! And why would I not be informed by all forms of communication if they saw me to be that late on a payment? Especially as I 'm a person who does not miss payments! No red flag there, folks?? After speaking with a supervisor, she quite unkindly told me that they had tried to contact me multiple times via phone calls and emails, but I just " blew them off '' ( her words ). The ONLY ( and again, I have proof ) calls I 'd received were infrequent calls from the XXXX XXXX XXXX XXXX XXXX ( I googled the number ), but seeing as I have no loans registered with them and never have, and their name has NEVER shown up on my Navient account, I considered those calls a scam and did not pick up the few I 'd received. In addition, Navient 's " email '' to me was the generic email I receive every month, stating I have a new document online ( again, I have proof ), so I did not consider checking the status of my federal loans. I did not think I had reason since I was supposed to be in forbearance and that 's their default email, no matter if it 's for federal or private. Plus, my private loans are on autopay, so they would n't have been an issue. Needless to say, my once really good credit now has *ONE* derogatory mark that should 've been addressed immediately and has been a thorn in my side since, but Navient denies any wrongdoing ( not informing me there was some kind of an issue on their end via snail mail, a noticeable email, or a real call from their own company ). No amount of pleading, proof of miscommunication on their end or negotiating with these people produced any type of help. In the end, I 've been stuck trying to clean up another mess from Navient, who has never really allocated my loans properly ( that 's a completely different issue! ), rarely answered me in a prompt manner with requests and, lastly, a sad excuse of a company who has repeatedly taken payments from my accounts when instructed to cease. I hope their shady practices get called onto the carpet and they have to answer for their XXXX of power. | ||||||
| 05/20/2020 | Yes |
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Web | Older American, Servicemember |
| My complaint is about Navient, the company that manages my daughter 's student loans. She has a total of six. She pays three, and my husband and I pay three. I have previously complained about this very same problem and received help from your agency. My complaint was # XXXX, This complaint was in XXXX of this year, and has since been closed. The company consistently misapplies our payments. Following our complaint in XXXX, Navient staff had a meeting and supposedly came up with a solution. They gave us a new account number to use for payment, and I changed our banking information to direct the payments to that new account. We have never ever been in arrears on this account, and continue to pay on time. They claimed in their response to your agency that this problem was due to a wrong address, which is nonsensical, as this is an automatic electronic transfer of funds, using this marvelous invention called the internet, in which zip codes are not used. This problem has gone on for ten years. Ten. The case has been assigned to their Office of Consumer Advocacy for about 8 of those 10 years. My daughter, who doesn't trust Navient as far as she could throw them, checks the account frequently. She discovered that payments this month has been misapplied yet again, and made it look like we were late in paying. She emailed the woman assigned as our " advocate '', and got a response. The woman has NO idea why this happened. She apparently took a few days off from work. Prior to the " new account '', she literally manually fixed the payments every month. Whenever she took time off, we ended up going to collections, for an account that was paid on time and fully up to date. Nuts, right? So today I looked at the accounts. It appears that the " fix '' fell apart in XXXX, after supposedly being put into place in late XXXX. It looks like the " advocate '' has been manually correcting the payments again, and then she took these days off from work, and the whole rig fell right apart again. I suspect that anytime now, the harassing nasty calls from collections will start up, despite the accounts being paid on time. Indeed, they are overpaid, as we send more than the necessary amount each month. Maybe it's me, but this makes no sense whatsoever. There was supposed to be a fix. The woman assigned to our accounts as our " consumer advocate '' told your agency and us that this was all set, and she is clearly mistaken. She told me in an email this morning that she goes into the accounts daily to check, so she obviously doesn't trust the fix either and/or knew that it had fallen apart and chose not to fix it for real or to notify us. Her name is XXXX XXXX. I have researched ways or places to file complaints and/or seek help with this today. Here is something wicked odd : supposedly I can seek help from an ombudsman, but guess who the ombudsman contact for Navient is? It's Navient 's office of consumer advocacy. Guess where XXXX XXXX works? Hmm, the office of consumer advocacy for Navient. So, apparently, I am already working with an ombudsman, and they are utterly useless, crooked or stupid. Please help us. This literally has gone on for ten years. It is totally unacceptable, unethical and intolerable. Whatever you did in XXXX made them actually meet to see if they could fix it, unless Ms. XXXX lied about that. Please, please help. Thank you so much. | ||||||
| 07/20/2018 | Yes |
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| I graduated college back in XXXX. Ever since I've had many back and forth interactions with one of my student loan servicers, Navient. I graduated during the aftermath of the Great Recession so good paying jobs were very hard to come by so I had to take a job that paid $ XXXXhr. As you'd expect, I was having serious issues paying my $ 70k+ in student debt. I had tried countless times to work with Sallie Mae/Navient to get myself into an affordable payment. They would let me catch up when I fell behind by telling me to go into forbearance. They sold it to me as a " don't worry, we know you are having difficulty paying. You can be brought up to current if you forbear your loans. To do so, you have to pay $ 150- {$400.00} ''. I did this more than one time. Now 85 % of my student debt is in Private Loans that according to Navient originally totaled {$49000.00}. I have been out of school 8+ years and have been making payments set up by Navient where they set the amount and then automatically withdraw money from my account. I made the mistake of trusting that they had my interests in mind when they set up the payments. So a couple months ago, I went to refinance my home and was denied because of negative amortization on my Navient student loans. I said to the loan officer " What are you talking about. I've been on a repayment plan with them for years! ". They said well it looks like the payment plan you are on is not covering your interest so your principle has gone up. I originally borrowed like I said, {$49000.00} in private student loans. My current unpaid balance is {$66000.00} and have been making payments for 8 years ( with some intermittent hardship along the way, but I have been sending them money ). Upon learning this, I reached out to Navient and asked them why have I been making payments, that they set up, and my balance has been going up. They said we'll look into this for you. And you should hear back from us in 12 business days. 20 business days went by and I called them back up. " Do you have any updates? No. It doesn't look like they've gotten to your request. I'm on the phone with you now, let me check out what I can see. '' And after a very long call the representative said that well your balance is going up because the payments are not enough to even cover the interest and it looks like you have 4 loans that are on " Administrative Forbearance ''. I told her that I did not request this forbearance at all and asked if she could get someone to figure this out. One thing to note, these student loans were my 4 highest interest rate loans : One at 9 % and three at 6.75 % totaling {$32000.00}. Needless to say I followed up a couple more time and finally I got someone to help me and tell me the result of the investigation. All I got was " We don't know why it was put into Administrative Forbearance ''. All they said they could do was take them out of that un-requested forbearance. I asked them to send that information to me via mail because I wanted to get it in writing. They did but it admitted no fault and that those loans are not long in forbearance. I feel cheated and really feel that I've been taken advantage of. I have loans that I took out in XXXX that if I now pay the bare minimum, wont be paid off until XXXX. That's 35 YEARS. I feel like I'm in a sinking ship and it feels horrible. I will attach what I'm looking at | ||||||
| 07/11/2018 | Yes |
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| I refinanced my home to pay off all my loans, including my loans through Navient ( Sallie Mae ). I contacted Navient after receiving the checks that I needed to send them from my closing company on which of the 5 locations that they have listed would be the correct ones to send the checks two. I had 5 loans through Navient, 3 personal and 2 listed as " Navient Federal Consolidation Loans ''. I was given 2 address one for the 3 personal loans and one for the 2 " Federal '' loans. The personal loans were paid and are now showing XXXX balance. There was no activity on the " Federal '' loans even though I had tracking that the check had been received ( Certified Mail ) on XX/XX/2018 at XXXX and deposited by Navient at XX/XX/2018 XXXX. When I called in this morning, I was told by the first person I talked to that the check had been received and was sent to the right department but she couldn't tell me why it wasn't posted to my account. I was transferred to a Customer service rep who then explained to me that I actually had sent the check to the wrong location. This was the location that I had verified as being correct before I mailed the checks out. Now I am waiting for the XXXX of XXXX that cashed the check to refund the money that can take 3 to 6 weeks while Navient is able to collect more interest on these loans. So quick summary, contacted Navient in late XXXX ( around XXXX ) and got addresses to mail checks. Mailed checks via USPS certified mail on XX/XX/XXXX Checks received at locations XX/XX/2018 Checks deposited/cashed on XX/XX/2018 and XX/XX/2018 Deposits showing against personal loans on XX/XX/2018 paid off remaining balance XX/XX/2018. Calls from Navient on XXXX asking for payment on " Federal '' loans I report that I have sent them a check and they received it on XX/XX/2018 the rep says they " will note my account '' Contact Navient on XX/XX/2018 and try to find out why the payment hasn't posted first rep says that they are unsure as the check shows as received and deposited. The rep says that is was sent to the right address. Transfers me to another customer service rep. New rep looks into account and says actually this is the wrong address and that the loan check should have been sent to a different one. They will refund the money and it will take 2-3 weeks to get the refund. I ask if there's any way to speed up the process as it is costing me money because they didn't put the payment on my account. They transfer me to a rep at the XXXX XXXX XXXX XXXX ( XXXX ) division. XXXX rep tells me that it was sent to the wrong address and that I will have to wait for the return check and I'm stuck until then. I ask if there's a way to forgive the interest that will accrue over the next 2-3 weeks since I have sent in a check to pay off the loan. XXXX rep says that " sir it was your mistake that you sent it to the wrong address and the first rep was wrong it will take 3-6 weeks for the refund ''. This was the address that I was told to send it to before I sent the check, I verified it as one of the addresses listed on their site for Federal loans and even the first rep told me it was the right location. Now I'm stuck eating $ 200+ in extra interest on a loan that should have been paid off last week. This company has the worst customer service and does everything they can to keep you paying for things that are their problems. | ||||||
| 09/23/2019 | Yes |
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Web | Servicemember |
| I have recently filed a claim with the Consumer Financial Protection Bureau. ( Case # XXXX ) Navient refused the claim stating that this complaint lists someone the company does not recognize as their customer or their customers authorized representative. Not only is this a completely false statement, it is in fact, the essence of my complaint against Navient. Navient has been authorized to speak with XXXX XXXX on more than one occasion and has spoken to XXXX XXXX on more than one occasion regarding the loans in question. Further, enclosed with the original complaint, was a Power of Attorney authorizing XXXX XXXX to act on my behalf. LET ME BE CLEAR, by this letter, I am formally authorizing XXXX XXXX to handle ANY aspect of my claim against Navient and to discuss, negotiate, settle or take any action he deems necessary with regard to any student loans in my name with Navient. The aforementioned Power of Attorney has never been revoked and remains in full force and effect ; therefore, representatives from Navient and its related entities, as well as representatives from the Consumer Financial Protection Bureau may deal with XXXX XXXX as if they are dealing directly with me. Navients refusal to deal with XXXX XXXX regarding this complaint is a continuation of Navients deliberate attempt to disassociate XXXX XXXX from the Parent Loans we took out for our childrens education, thus preventing us from taking advantage of any benefits offered to XXXX veterans. Navient has been aware of XXXX XXXX status as a veteran since the first FAFSA application was filed and for every FAFSA application since. For this reason, Navient deliberately left his name off of all the student loans. By doing this, they could deny us the benefit of loan forgiveness for XXXX veterans and more insidiously, could deny us the benefit of loan forgiveness at his death. As it is a statistical probability that he will die first, thus terminating the loans, Navient chose to issue the loans with no mention of his involvement. It serves their purpose to keep a widow on the hook in order to collect loan payments for a longer period of time. Under the terms of these loans, this longer period of time would be for the duration of my life. Based on my research, this appears to be Navients standard operating procedure. The only options for relief offered by Navient result in loans being consolidated at predatory interest rates extending into perpetuity. If you want to pay your bills and try to keep a decent credit score, prepare to sign away any benefit a college education might afford you. I demand that Navient recognize that XXXX XXXX is equally responsible for the Parent Loans we took out together for the education of our children and afford him the benefits available to all 100 % XXXX veterans. XXXX XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The Woodlands, TX XXXX O : XXXX F : XXXX C : XXXX XXXX XXXX XXXX : XXXX XXXX & XXXX XXXX XXXX : This XXXX and any attachments are confidential and may be protected by legal privilege. If you are not the intended recipient, be aware that any disclosure, copying, distribution or use of this e-mail or any attachment is prohibited. If you have received this e-mail in error, please notify us immediately by returning it to the sender and delete this copy from your system. Thank you for your cooperation. | ||||||
| 12/12/2018 | Yes |
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Web | Older American |
| It started in the year of XX/XX/XXXX, I decided to get a degree in XXXX, so in this year I proceeded to Minnesota XXXX XXXX XXXX where I chose the degree of XXXX XXXX, when Orientation came up the Administrators had talked with us and mentioned that upon our graduations we will be given the jobs for which our degrees covered as mine was XXXX XXXX, going through all the transitions and getting the loans for the degree, I was faithful in all phases of the education needed to complete this degree. as we headed towards the end of our education, we were suddenly told that our jobs could no longer be given to us after our XXXX graduation, as we were about 4-6 months from graduation and no where to go but try and finish to see what we could get for a job after finishing our degrees, this was maddening as I was working full time over nights and going to this school in the day time and early afternoon to finish, crazy institution. I graduated in XX/XX/XXXX and soon the loan payments were coming in, started out with XXXX XXXX initiating the payback, then it went to a ticket type company with a coupon book you would send into them and get credit for paying them, this company you could never get any info from either, then after awhile I lost track of who or what company had the loan, ended up with Navient who is a disgrace to me, sent statements that you can not read, written in small lettering, no true phone numbers to call for any type of help, they send no envelopes with there statements and the numbers I reach is an offshore Southeast XXXX team pursuing your questions, in which you can not understand, I somehow got caught up in the pursuit to get me to sign up for Auto-Pay which I would never let anyone especially these people automatically take a payment out of my account, but anyways these people thought I signed up for their Auto-Pay program and did not send me a statement for 3 months, and I could not get ahold of anybody on shore or located in their XXXX XXXX Office, this went on for a few months, arguing with these people about paper statements sent to my house, I had to settle the amount they sent, but in between arguing with these XXXX they were rude and I would get phone calls late at night without remorse, being it was something I did not take on myself, I had a XXXX of a time getting someone to talk to from XXXX XXXX Office, this is XXXX and where are these people located, if I owe them any amounts it should be in bold writing with amounts shown, so if you do not know how much you truthfully owe why do you have to pay someone, you buy a car under payments you know exactly what you are paying for and how long, so what is the difference between the two may I ask? if you people don't help solve this I will put a lawsuit together against Minnesota XXXX XXXX XXXX which already has a bunch of lawsuits against and Navient for Negligence, Incompetence, fraud, and unlawful presentations. Before they XXXX me up on the Auto Pay detail I never missed a payment or was late and still aren't so it there mistake and I will hold both Minnesota XXXX XXXX XXXX and Navient for all the trouble, as a XXXX XXXX I would of been making 6 digit incomes for which I never had a chance to use. So if you won't help or find you are afraid oif pursuing the truth I will file a lawsuit which I am entitled to after all the harassments I am going through yet. | ||||||
| 08/15/2021 | Yes |
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Web | Older American, Servicemember |
| I signed as a co-signer for my grandson in XXXX with Sallie Mae. My grandson ( XXXX XXXX XXXXXXXX XXXX ) & his mother ( my daughter ) ( XXXX XXXX ) promised if I was to sign as co-signer that they would have it paid off in 2 years from his graduation in XXXX. The pressure was enormous as he needed it signed the night before the papers needed to be faxed to Sallie Mae the next day. I was XXXX years old at the time, living on my military retirement & Social Security. I also told them I had no way of paying for this loan being retired. In XXXX my grandson missed payments, and I received notification from Sally Mae. Upon calling my grandson & my daughter anger ensued which ended all commucations with them both. I started getting harrassed with several phone calls a week from Navient. I found out that my grandson had made some payments in XXXX. I also asked them to contact XXXX XXXX XXXX XXXX and they told me they had not talked to him since XXXX and had no idea where he is. I asked why they would didnt find him, and they stated they are not the police. I also have no idea where he is, and when trying to contact XXXX XXXX, she only hangs up on me. Every time I talk to Navient I keep getting different versions of how to get me off the loan, how much needs to be paid and how to end this nightmare. XXXX XXXX, Navient would call 3 times a week and I would explain to them the whole story with my grandson and that I did not have the money to pay. Agents would always tell me a different story to get me to pay. One agent told me that if I payed the loans for one year, I could be removed as the co-signer. I called them the next day to see about getting that started and the agent I talked to told me that only XXXX XXXX XXXX XXXX could request me being removed. Then in XX/XX/XXXX I get a letter stating that they are postponing loan payments due to recent pandemic, until XX/XX/XXXX. Current XXXX XXXX : After spending 2 hours on the phone with them, I made a payment of {$100.00} and {$220.00} in XXXX to get them off my back. The {$220.00} payment will be monthly until XX/XX/XXXX. Explaining to them I would pay the loan off but now my credit score has dropped 200 points. I was able to get a home equity loan to pay them 60 % of the total loans ( 4 loans now ) which is the first time that they explained to me that this was an option. They never offered me this before. The total loan amount is {$91000.00}. I was to borrow {$55000.00}. On XX/XX/XXXX I called them to get the processes started to pay this off. First the agent ( XXXX ) went over the process telling me I needed to give them my bank routing number and when the payment would be coming out of my account. She refused to send me a letter first stating that this would remove my name for this loan. When I told her " fine '' she acted like she was reading something and said " no, the amount is now XXXX ''. I have the whole conversation recorded. She had previously stated the amount of {$54000.00}. At that time I told them " no " and to withdraw the upcoming monthly payments. I can't afford to keep paying a company that changes the agreement every time I speak with them. I have no idea what to do at this point. The 4 loans are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am now XXXX years old and this loan will devastate me for the rest of my life. | ||||||
| 09/14/2017 | Yes |
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| I have been paying loans for Navient since XXXX for private loans taken out through them. My payment allocation has never been clear and customer service representatives are poorly trained, and can not give you clear answers. I have been told many different things by different representatives. My loan allocations have gone towards interest payments for future months, when I was expecting them to go towards principal. When I had called and asked a representative why that was the case one told me the money was sitting in a pool to cover the minimum interest payments each month for the loan. This is a high interest loan that I was attempting to chip away at, but little did I know I was not covering interest. This has led me to nowhere with my loans. When I spoke to another representative I was told that this was not possible without getting my loans refinanced by another service, then he went and spoke to another rep and explained to me the only way to do this was by calling in to make the additional payment. Earlier this month on XXXX XXXX I had satisfied my monthly payment. I had paid an additional {$100.00} to a loan to knock off principal. After checking today I realized that only {$77.00} of the {$100.00} was applied towards the principal and {$23.00} was applied toward interest. I had asked the rep numerous times if the loan would be completely applied to principal and she reassured me that it would. After calling today I was told that there was some unpaid interest lingering, but there was nowhere to see that I had anything remaining to pay. My minimum payment was {$580.00} for the month and I paid that before paying an additional {$100.00} towards a specific loan. My assumption was that the {$580.00} would cover all interest due and pay some towards principal. The minimum payment for the loan I ended up paying additional towards was only {$1.00}. I have no idea how they came up with that number if I had {$23.00} of interest remaining. I was only able to discover that there was additional interest to be paid because I happened to make an additional payment against that loan. Otherwise I would not have known this.Additionally it seems I was put into some extended repayment plan at some point in the past 9 years. I had called to get a rate reduction, but I was n't really told what exactly was happening. When I spoke to the rep on XXXX XXXX I was told that I would just have to pay extra. I had asked if there was a way I could change up my plan so that my payments were optimal. Right now I am seeing that the pay off date is some time in the XXXX for these loans. This is just unacceptable. A few of these loans are under 5000 and I would 've paid them off right now if my money was being allocated the way I expected it to be. The issue with the company is that they try to complicate things as much as possible as obfuscate these sort of things from you to take in additional money. The other issue is that these reps are not trained, most probably intentionally, to provide adequate customer service. I do not think any of these individuals have the financial knowledge to be in the positions that they are in. I always seem to get a run around from these individuals. Unlike banks who staff quality customer service reps, Navient chooses to staff bodies that do not provide advice that benefits the customer.Their practices are unacceptable. | ||||||
| 11/13/2019 | Yes |
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| Hello - My name is XXXX and I have reviewed my student loans with Navient and how my payments was being applied when I started making payments. I've graduated from the University of XXXX about 10 years ago. As I was doing my research and analysis, for over 3-5 years, my payments were applied to interest and fees rather than the principal. There are instances where payments were applied to interest and very little to principal and vice versa. I've called Navient several times couple of years regarding how my payments are being apply and the customer representative failed to assist. I have paid for my student loans for over 10 years and it should be paid off by year 10. However, as I was doing my analysis, my principal isn't going down because the system are applying most of my payments towards interest and fees and then very little goes towards principal or even XXXX. I called Navient couple of years ago and just gave up. As a customer with navient student loans, if there is a compliance issue around payment systems and failed controls within their payment operations are not adequately effective, an issue should be raised if they were aware or had a good compliance program and should take actions by remediating the issue accordingly. However, I am one of Navient 's customer to be effected by their ineffective payment systems that is set up through system logics and metrics to gain more money on their interest by applying my payments I've made for over 10 years towards interest rather than principal. As a customer, I would like to be refunded if my student loans were supposed to be paid off years ago, but was not because of a failed payment system and ineffective controls around the payment system, I would like to know why am I still having to make payments and how will this be corrected on my behalf? In addition, only with the support of CFPB, I would also like to file a lawsuit because it's something like this that a billion dollar company takes advantage of an average consumer to gain revenue and incentives for themselves and executives. Without CFPB support, I will not file a lawsuit. I honestly do not want to file a lawsuit, however, as a young XXXX XXXX female, I would like to have a voice and be able to put my foot down to companies like this to let them know that it is not ok to harm consumers to gain revenues and incentives for the executives and the company as a whole. It's just not fair. I also work hard for my money as an XXXX XXXX female. The reason wny I had to get a student loan is because my parents came to america in the 1970s as immigrants to gain freedom in America with no money. They ended up with a job in hard labor where they are extremely proud of and the first {$0.00} my mom made, she went to the flea market to buy herself a shirt because she did not have any. After 30+ years in hard labor, she is still at the same company today getting paid $ XXXX/hr. They worked hard to provide for me but was not able to help me as much through college but they tried. This is where they pushed me to get student loans because they wanted me to finish college because they did not want me to have a lifestyle to work in hard labor. They did not want to see me struggle in life working in hard labor like they did. So this is where they pushed me to get student loans so that I can get a college education. Thank you, XXXX | ||||||
| 09/22/2016 | Yes |
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| 1. Lack of student loan education prior to enrolling in college 2. having no choice but to borrow a Parent Plus Loan High Schools in the U.S. do not touch on student loans, how they work, how they accrue, or what the pay back will entail. Instead, my High School counselors were told to push out of state schools on students in order to make the High School seem well rounded. Due to graduating HS with no credit, and therefore needing to take Parent Plus Loans for college, I ( in part with my father ) needed to finance my simple 4 year education through Navient ( formerly XXXX XXXX ), and XXXX. I am from CT, but chose my # 1 school as the University XXXX. My 4 year XXXX degree ( graduated XXXX XX/XX/2012 ) gave me a bill of {$180000.00}. Since these are parent plus loans, there is no forgiveness, and the minimum monthly payment option is $ XXXX/per month for Navient, and {$380.00} for XXXX. I was able ( and lucky enough ) to get a job out of college, and decided to defer my larger loan with Navient in order to focus on the XXXX loan. Doing this, I was able to fully pay off in 1 1/2 years the {$30000.00} " smaller '' loan XXXX XXXX. Now I am at {$160000.00} left for my Navient Loan. I have exhausted all forbearance / deferment options, and have no choice but to make minimum interest payments ( on a graduated plan ) starting at {$1000.00} / month for the next 30 years. In additon, I have been painfully unsuccessful in finding any programs, third parties, or other private institutions willing to buy out and re-finance a loan of this size. I can not even find any that will take it over and put it fully in my name! This is increasingly becoming a problem since I am the oldest of XXXX children, with XXXX younger ones in college now who also need parent plus loans. This is by far the most hardship I have ever faced in my life. No matter how well I do within my career, it seems I will never be able to escape my student loan debt. This is holding me back from living my life. I can not move out on my own, apply for a mortgage, car, or even sharing a life and marriage with someone. Having a student loan this immense makes life feel doomed. Why do none of the loan forgiveness programs apply to Parent Plus Loans? Why does the " credit '' associated with making on-time direct deposit payments only become accredited to my father when I am the one making payments every month? Why am I not allowed to call up the loan company and they can only do business with my father even though this loan is partially under my name and I am the one it was used for, and also the one trying to pay it back? How is the national average for a 4 year degree {$30000.00}, and my loan is more than 5 times that?! I have tried multiple times to contact my lender and seek alternative options, financing, repayment, programs, etc., however it seems that there is nothing further, that my father or I can do, other than continue to make minimum payments until I am at " retirement age. '' If I had any idea in high school how much a 4 year degree to an average public university would cost me in the long run, I would have gone to trade school. It is very difficult to foresee a brighter future when you know that the homeless in the city, who ask you for money, have a higher net worth than you do. I would take a positive {$3.00} to my name over a negative {$160000.00} any day. | ||||||
| 06/09/2017 | Yes |
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| I sent a letter that was confirmed by USPS received by Navient on XX/XX/XXXX for XXXX Loan Forgiveness with Navient for my remaining student loans. I scheduled a phone call ten business days later and I spoke with XXXX on Friday XX/XX/XXXX at XXXX XXXX. I asked how long processing time was for my application since a different application had taken 10 business days and is a standard time for most banks, as a I have already waited the 10 business days before scheduling this call. I was told it was 45-60 days. Asked how process was handled : I was told it was reviewed internally and then sent to the department of education. I asked if Navient could provide a confirmation when it was sent to the department of ed. I was told no, but would be notified if it was rejected. I again repeated and asked if it could be confirmed as well and to put a note in my file, she told me she would not and could not. I asked what my option would be to know where it was in the process, was told I could call back in three weeks, asked if I could schedule a call while I was still on the line with her for three weeks from now. Told no, asked why not, said I had to go online. Why this extra step? Was told she would if she could but she did not have the authorization to do that. The process of cancellation through my Perkins loan took 10 days, so I asked why is Navient so much slower than XXXX? I also asked where could I have found this information online? It is not available online. I stated that it seems fair consumers should be made aware of a timeline, she said it changes so there would be no way to know. This is problematic since I will need to wait to change my loan status if it takes too long. I am currently in forbearance so interest does accrue on my loan. So, it costs me money the longer they take in the process. She told me I would have to call back to find out anything and would have to wait to know if I would have to continue my loan forbearance. She told me that they process 12 million loans and I was not first in the cue. This is not my problem as a consumer and I should be aware of each step in the process and where my status is, each step of the way, especially if I call in to request it. A fair resolution would include : 1. A timeline that takes less than 30 days, since that is a pay period where a consumer is expected to make a timely payment. They can also follow a similar timeline or hire more staff to keep up with the demand. It is not my problem as a consumer that they can not keep up with the demand, and 3-5 weeks internally to process a form is too long and feels like a deliberate hold up to collect more interest. 2. Notification along the way of each step in the process ( confirmation internally and confirmation with department of education ) whether a positive outcome or a negative outcome occurs in writing via email or paper mail. XXXX provided me with confirmation within ten business days and also provided a timeline on the form of when I could expect to hear back from them, within a reasonable timeframe within their best intent. 3. To be able to access the same services over the phone, as I am able to access online. While I am online with a customer service representative, I should be able to request a phone call back, not have to hang up, log in online and send in an electronic request while I am already speaking to a person. | ||||||
| 08/24/2022 | Yes |
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| I attended XXXX XXXX XXXX from XXXX XXXX until XX/XX/XXXX. I enrolled in the summer of XXXX. From XX/XX/XXXX to XXXX XXXX. XXXX XXXX XXXX showed me as enrolled even though I had properly withdrawn after my XXXX semester. During this time they continued to take loans out under my name with out my permission, even giving me fake grades during the fall XXXX semester. I reach out to XXXX XXXX XXXX XXXX XXXX told me theres nothing she can do as my student information had been lost during a software merge. So it is as if I was never a student there. XXXX XXXX Sallie Mae sent me a bill for an unpaid loan balance of {$8900.00}. I recieved another price of mail From them that said as of XX/XX/XXXX my principle balance on the loan listed below is {$19000.00}. Showing disbursed dates of Loan XXXX XXXX {$6700.00}. Loan XXXX XXXX XXXX for {$2600.00}. Loan XXXX XX/XX/XXXX for {$4000.00}. Loan XXXX XX/XX/XXXX for {$2600.00} and XXXX XXXX XX/XX/XXXX for {$1700.00}. XXXX XXXX I signed a private credit loan paper that said I would pay {$2200.00} for my XXXX XXXX semester. It shows that my loan has been approved for {$6700.00} but each semester about {$2200.00} would be disbursed to pay the school. Since I had properly withdrawn the {$4500.00} should never have been given to the school, or XXXX XXXX XXXX should have sent it back as the contract I signed said it would. ( Lender name- Sallie Mae through XXXX XXXX XX/XX/XXXX Sallie Mae sent another letter that said I owed {$20000.00} Loan information the. Say the loan dates were from XXXX XXXX, ( {$10000.00} for a signature loan. Two loans were taken out XXXX XXXX and XXXX. ( These were FFELP loans that equal just over {$7000.00} ) I kept receiving threatening mails saying they were going to garnish my husbands wages if we did not start paying off these loan. In XXXX we paid {$6000.00} to XXXX ( Sallie Mae ) because at that time I couldnt not proved that I was not a student during those dates. Navient : XXXX XXXX {$840.00} XXXX, XXXX, XXXX {$840.00} XXXX XXXX {$840.00} I revived another mail saying I had in subsidized federal loan for {$2600.00} And that the total of loan guarantees by this guarantor was {$13000.00} This loan begins XXXX XXXX, when I was no longer attending XXXX XXXX XXXX. I also had subsidized federal XXXX loan that totaled {$4000.00}. But these were for differnt dates XXXX XXXX, {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} And another unsubsidized loan XXXX XXXX - {$1300.00} XX/XX/XXXX - {$1300.00} XXXX XXXX {$1300.00} To equal {$4000.00} Navient started charging me these loans and said they were from Sallie mae My federal Student Loan XXXX department of educationXXXX showed that in XX/XX/XXXX ( again when I was unenrolled ) XXXX XXXX XXXX took out a {$1200.00} XXXX XXXX from my name. XX/XX/XXXX XXXX XXXX XXXX XXXX was charging me {$15000.00}. We finally settled with them to not be harassed and paid {$6000.00}. I ahve letters from XXXX, XXXX, Sallie Mae, and Navient, claiming that I owed them money for my one semester of attending XXXX XXXX XXXX. One loan from Sallie Mae that equaled to {$17000.00} ( with XXXX and XXXX interest rate ) {$7000.00} for six subsidized loans {$8000.00} for unsubsized loans to equal {$15000.00}. So in total I owed {$32000.00} for a school that now says I never attended. I paid at least that much plus 12 years of interest. | ||||||
| 08/05/2021 | Yes |
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| On XXXX certified mail was sent to remove all alleged debt reported without my ( the consumers ) consent to XXXX and XXXX in regard to these alleged student loans. Exhibits were attached in the form of my actual credit report. I am hoping to receive a reply but in the interim, I am filing a complaint ; as my rights have been violated. I am also looking for monetary compensation in the amount of {$5000.00} for the distress it has caused both myself and my family for 5 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 USC 1681 & 1692 and this retribution is minute in comparison to many other violations that could be claimed under this section. Please see below explanations. 1. According to the Fair Debt Collection Practice Act section 15 USC 1692e I as a consumer have the right to not be violated by the communicating of any credit information that is known or should be known to be false. There is no proof nor validation of this debt. Therefore, it SHOULD be known to be false in accordance with the above. In addition, I have never been presented with any affidavit that would provide validity to neither you nor the alleged debt collectors assessment. 2. According to the Fair Debt Collection Practice Act section 15 USC 1692e the said debt collector must not use any false nor deceptive/misleading representation. This includes but is not limited to the use of any business, company, or organization name other than the TRUE NAME of the debt collectors business, company or organization. None of the alleged debts have been validated nor represented by the original creditor. And there is reason to believe these alleged debts were sold. If these alleged debts were indeed soldWhere is the proof of the alleged debtors approval? This too is a violation of consumer rights pursuant to 15 USC 1692d ( 4 ). 3. According to the Fair Debt Collection Practice Act I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there has been alleged debts published without my permission ; using my name and personal information by which to do. 4. According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this false information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right. It has sabotaged both my name and my creditability. 6. Pursuant to 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card pursuant to 15 USC 1602 ( l ) is any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Hence, my social security card. In fact, my social security card with its attached number would have had to be used to transact any of the alleged debts listed. Therefore, pursuant to the above, this is a violation of my rights as a federally protected consumer. | ||||||
| 11/10/2017 | Yes |
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| Will let 's see I called navient and apparently there private loans and there federal loans do n't communicate and this is how I know this will my credit score tanked and when my wife calls them cause I 'm working during the week they say everything cool so we have not called in months because we thought everything was good. Now I got one phone call stating from a fellow saying that basically it 's not up to him anymore and he has been trying to get ahold of me for weeks ( not ) I have a bunch of robotic calls that take up my phone but no messages ( at all ) except that one. And now I get a message from another fellow saying today is my deadline or consequences basically are going to next level and he has been trying to get ahold of me for months. Same result only robot calls ( which I thought were illegal but what do I know ) Now like I stated before we called make payment set up and this is what I get a run around. Like I stated in a complaint before on navient I have payed more than enough on this bill and also payed XXXX to make this bill current and they still messed me up. Now before I payed the XXXX I did n't have ( and now behind a month still in rent yes still behind Because late fees as will ) I tried to give them the XXXX XXXX to get ride of the loan but again promisary note thrown into my face again. And when I get email which the last one was when I payed the XXXX 6 months ago nowhen they say hey you qualify for these loans options and when I can they tell me I do n't qualify for anything ( themails reason why I quite calling ) another false promise. Will it looks like I 'm filling for bankruptcy thanks navient ( instead of collecting from me you should collect from XXXX XXXX XXXX ) I have lots of bills and I 'm the only one making ok money keeping a house of 5 from going into the streets And my even have another suit for XXXX XXXX XXXX and to pay my medical bills for such ( yep almost XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days and now look another huge bill let 's see can I pay it nope I ca n't because you want money I do n't have ) Oh I forgot I got a promisary note that I was tricked into signing like when I only had one big federal loans but XXXX XXXX said you guys accept loans easier if they were broken into smaller lumps as will as work with me. Will I know navient is having trouble with there lawsuit right now but it looks like bankruptcy might have to be another one I 'm to tired of dealing with company that is going after the wrong person and I know you did n't read the last complaint is sent to you through cfpb and the bbb because if you did the smart money would have been you going after XXXX XXXX XXXX and getting your money because they still have slush found for this. And anyway is n't your money private and federal insured so you already got paid your just looking for gravey I 'm in the wrong business so I can get people to make loans have them insured even if people failed to pay back loans i still get paid from the insurance on the loan. Thanks for reading this or not because I know what the answer is going to be. WILL YOU SIGNED THE PROMISARY NOTE. and that 's all I 'll get And then my reply will be Look they are still throwing a promisary note in my face Have a good day XXXX XXXX XXXX | ||||||
| 10/31/2019 | Yes |
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| Last year I got married, so my husband 's income was combined with mine in my student loan payments. The result was an increase in the monthly payment, understandably. In XX/XX/2019, in response, I called Navient, my student loan company, to see if I could have my payment decreased because it was a lot more than I had paid previously. Before this, I was paying $ XXXX/month. After this, I was paying {$200.00}. I was told I could lower that if I applied for a particular IDR plan. In XXXX, I was notified that I was enrolled in the new plan. The payment somehow went up to {$740.00} a month, which is obviously not what I was told it would be. In panic, I called Navient again, and was enrolled back in the previous plan, and paid the {$200.00} a month amount. While more than I wanted to pay, I understood the combined income would cause an increase in my monthly payment, though I did not anticipate it growing 10x. This summer, we relocated from XXXX to XXXX, California. I have found new work, but my husband has not. I am making less than I was making in XXXX, so with him being out of work and I making about {$20000.00} less a year, I contacted Navient to see about recalculating my monthly payment. I was granted a forbearance and told to apply for a new payment. The result of this was, again somehow, that my monthly amount was increasing again, this time to {$230.00} a month. I still fail to understand how going from making {$100000.00} a year to approximately {$45000.00} resulted in a {$38.00} increase. When I contacted Navient about this, I was told that there was a miscalculation on their end. They had calculated the amount as in addition to what I had previously made in income the previous year. I was told that the error would be corrected and I could expect my new payment amount to be around {$180.00} a month. While I still fail to see how this payment amount makes logical sense, it was certainly better than {$230.00}, so I agreed to it and went about my day. In late XXXX, I received a bill for {$230.00}. I contacted Navient to ask what happened, and I told them I could not make the payment that month. I was granted a forbearance again. I was told the problem would be corrected, I didn't have to submit any new documentation, and I would be good to go. This morning I received two bills from Navient. One was for {$240.00} and the other was for {$810.00}. I called them to see what happened, and I was told I had missed something on the application I submitted back in XXXX. I have spent hours on the phone with Navient, and no one had ever mentioned this before. I was told to apply for a totally new income-based repayment plan, to NOT select a recalculation. I began to do that, and saw that I am being asked to connect my IRS account. I know what is about to happen. It will be the exact thing that happened before. They will see last year 's income and give me the same {$230.00} amount as before. I am completing it because I was told to, and I don't want to miss something I was told to do and then have that used against me. Every single time I have contacted Navient this year, the information I was told on the phone has been different than what happened. I believe I have been intentionally misled and confused in order to get more money out of me. I am being lied to and taken advantage of, and I demand it end immediately. | ||||||
| 06/18/2018 | Yes |
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Web | Servicemember |
| This correspondence is to request inaccurate late payments dated in XXXX to be removed from my credit score reports. By failing to update previously reported information, please be advised that 22 of my federal loan accounts totaling an estimate of {$180000.00} serviced by Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. I've provided 4 certified letters to Navient in XXXX and 1 certified letter in XXXX requesting to dispute inaccurate information documented on my account and have not received assistance in this matter as requested. I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. Navient representatives informed me that because the 120 days delinquent payments were accurately reported in XXXX and XXXX of XXXX that any subsequently initiated forbearances would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in forbearance. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All 22 federal student loan accounts that were part of the XXXX, XX/XX/XXXX late payments show late status effective as of XX/XX/XXXX. Also, I was enrolled in forbearance XX/XX/XXXX a month prior to the delinquent accounts and also was a full time student in XXXX before any payment became due. Therefore, my credit reports do not currently or accurately reflect previous payment statuses with Navient, both as they actually existed and as Navient has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the 22 department of education loan accounts showing a 120-day late payment in XX/XX/XXXX be updated and or removed immediately. In the event that these reports are not immediately updated to accurately reflect my payment status during XX/XX/XXXX, etc, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, CFPB, XXXX, and pursue other legal routes if necessary. Please respond within 15 days of the date of this letter with an update to this matter. Very Truly Yours, XXXX XXXX | ||||||
| 11/03/2022 | Yes |
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Web | Servicemember |
| I currently have XXXX Student Signature Loans with Navient that are active and I am paying on them. However, I also have XXXX ( XXXX ) Sallie Mae Student Answer Loans that for the reasons described below are closed and non-collectible at this time. However, I received a letter from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX stating that they are now collecting on XXXX of the closed and uncollectible loans XXXX with a balance of {$6600.00} and the second just over {$2000.00}. The description of the complaint below has been pulled from a letter I sent to XXXX XXXX XXXX XXXX XXXX XXXX via Certified Mail on XX/XX/XXXX. First as these XXXX loans were solicited to me directly, paid into my account directly, disbursed well into the semesters, not disbursed through the institutions Financial Aid office, and above and beyond the cost of attendance, the loans are deemed unqualified and included in my XXXX XXXX XXXX Bankruptcy. This fact even reflects on my credit report as do all other debts discharged at that time. For this reason a credit report adjustment is not necessary as these loans are not reflected on my current credit report as active loans. This information was communicated to Navient in XXXX. Moreover, the fact that these loans are dischargeable in bankruptcy has been upheld in several court cases in recent years stating that Sallie Mae 's Tuition Answer Loans were predatory and failed to reach the requirements to be considered a qualified private student loan. Second, in the event that these loans were not discharged ( they were in fact discharged ) the time to collect on these loans has past. The XXXX accounts placed with XXXX, XXXX XXXX XXXX XXXX by Navient are Time barred per Florida Statute of Limitations. As the last payment on the Navient 's own system shows that the last payment was more than XXXX years ago. Even using the time period of 270 days after the last payment to deem the account in default, the time lapse is still more than XXXX years ago as of today 's date. Third, the last payment on these loan were XXXX and XX/XX/XXXX. Yet Navient arbitrarily and dishonestly provided XXXX XXXX XXXX XXXX XXXX XXXX the date of XX/XX/XXXX as the last transaction date which is in violation of XXXX, FDCPA, and potentially FCRA rules. As stated above there are several loans which were not discharged. Because of this I frequently access the company 's Website. Until recently the loans in question appeared on their system as dormant. However, in the span of XXXX or XXXX weeks the last payment date was arbitrarily changed to XX/XX/XXXX, even though the company 's own ledger contradicts this. Navient knows that these loans were discharged in bankruptcy and there is no contesting this fact. Navient apparently has decided that after XXXX year that they are not going to acknowledge the legality of their loan status. As they are fully aware of the state 's XXXX they took it upon themselves to arbitrarily chose a date inside the COL timeline which violates several collection and collection litigation regulations. If this matter is not settled in a civilized manner I will take it upon myself to counter sue. This information has been reviewed and ready to move forward against Navient and XXXX XXXX XXXX XXXX XXXX XXXX should they neglect to act upon the information I provided to them. Thank you | ||||||
| 07/13/2017 | Yes |
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| Pioneer Credit Recovery Inc contacted me and alleged that I owed a debt to XXXX which was being handled through Dept of Treasury ( Bureau of the Fiscal Service ). They accused me of fraud and said that I used XXXX for the invoices enclosed further explaining that I 'd received a settlement and failed to repay XXXX. I then explained that I do not owe the dept because the invoices in question : 1 ) Are the incorrect invoices and were never a part of treatment received for the accident. 2 ) The lawsuit I had for the accident was NEVER settled. 3 ) The treatment that I received for the accident was NEVER billed to XXXX, so I do not owe the debt. I then asked if they have the duty to prove the validity of a debt owed and what made them choose these particular invoices and why? They then informed me that since they represent a government agency that they did DO NOT have to prove anything and the the burden of proof was my responsibility. I then asked how these particular invoices were chosen because I knew that they were not related to my pending lawsuit and that this was a random attack, Moving forward like a good citizen who believed that they would be fair I provided proof and even a letter from my doctor disclosing that although the invoices were from his office but that he had never treated me for an accident. They were also invited by me and my doctor to follow up with their office if they needed any additional information. I could see that they really did not have a care or concern about my well-being nor were they interested in the truth ; so I filed a dispute about 3 or 4 months ago. Then much to my surprise they began to garnish my XXXX XXXX XXXX which has caused a serious financial hardship like hunger and the inability to buy medications. It is my prayer that your agency help me to recover the money that Pioneer Credit Recovery Inc and the Depy of Treasury ( Bureau of the Fiscal Service ) have stolen from me. DISPUTE SENT ON XX/XX/XXXX Please be advised that I am disputing the erroneous charges from Pioneer Credit see my complete file and the attorney information enclosed. The changes in question are not from an accident or lawsuit. I will in the next few days provide documentation on said invoices, Respectfully, XXXX XXXX XXXX, Attached please find Part 1 of your file contents. If you need anything else, please let me know. copy of email dispute sent on XX/XX/XXXX US Dept of Treasury Bureau of the Fiscal Service XXXX XXXX XXXX XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX TX XXXX Acct Num:XXXX DISPUTE SENT XX/XX/XXXX Dear Dept of Treasury, The invoices in question were a part of ongoing pain management. The treatment that I received was in fact routine care for pain. To this day I do not understand why you picked these particular invoices. It is unfair that even after I supplied you with a complete file which was proof that I NEVER received compensation for my injuries you still put a wage assignment on my XXXX income which prevented me for being able to pay rent and purchase groceries. I am disputing these charges and demanding that you return any money that you have wrongfully taken from my wages. Additionally you have my permission to request any records from the XXXX XXXX XXXX or feel free to call them if you have any concerns. Respectfully, XXXX XXXX XXXX XXXX | ||||||
| 07/22/2019 | Yes |
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| I have been unemployed for over two years, first and primarily because of a sick parent who required full-time caregiving after XXXX XXXX XXXX. I continued to pay the debt monthly as possible with savings because, though the bulk of my student loans were granted an unemployment deferment with ease. I attempted on several occasions to get those deferred as well, but they refused and said private loans are not eligible for the same deferments. Moreover, any application of temporary deferment would only be for 60 days and required a per-loan charge of {$50.00}. These two loans thus charged me {$100.00} for a deferment of two months, which while helpful given that the two loans would be over {$800.00} for the two months, it seems usurious and wrong that this charge is only for an application and is applied to neither principal nor balance. Interest continues to accure. So I waited until absolutely necessary to do so. Since my mother died and I have lost stable housing and support, as well as exhausted savings, while having not earned an income for over two years and living with what little money I gain through odd jobs and help from friends, I ultimately did apply for and was granted a deferment of two months in XXXX because they were filing derogatory remarks on my credit. Mind you, this is all while they allow the bulk of my loans to be deferred. It is untenable as a position when it's the same lender and they have everything in front of them to see that I have been in a prolonged period of financial hardship due to family matters and now prolonged unemployment. I have gone on dozens of interviews and worked with two staffing agencies, but continue to lose out on opportunities because my professional experience is freelance creative work and while I supplemented my income for years with personal administrative support that experience is years ago and does not translate easily to the city in which I now live. It's a wildly unfortunate position to be in considering I have years of work and a master 's degree from a highly reputable institution. But they are now demanding payment again, aggressively calling to collect past due balances and I don't have {$100.00} to get another deferment. What am I supposed to do? I just applied for Income Based Repayment to put my loans onto that plan wherein, for the time being, I won't have to make payments but will be considered current. It's unfortunate as the interest will accrue and I have several hundred thousand dollars in debt, but I can't let my credit rating go down any further, at risk of precluding me from stable housing, banking, credit lines and employment. Many employers run such checks and I don't want to be in default. But why is a lender allowed to do this? Why can they not keep the payments across the board. Why is there no federal oversight of these private loans that protect me in the same way that the vast majority of my other loans do? I did not know this was the case when I took the loans. Servicing these two was for many years all I could do financially and as a result let interest accrue continually on deferment/forbearance. The lender is uncooperative despite many many calls and I have no choice right now but to let them go unpaid while I continue to look for work, and while the process of putting the bulk of my loans on IBR works its way through the system. | ||||||
| 10/31/2017 | Yes |
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| I have had nothing but problems with Navient in regards to getting them the application for the XXXXncome-Based Repayment Plan. The renewal for application starts in XXXX for the new payment plan starting in XXXX. I sent my application form in to them and when I called to check on it to be sure they received it, they told me they received the application on XXXX XXXX and that it was the wrong application form. They informed me of where to find the updated form. I ran off the copy of the application from the StudentLoans.gov website as instructed with the expiration date of XXXX. I filled it out, sent it in. I called in to be sure they received it about 2 wks later and they said they had n't received it. I sent in another copy and waited about 2 weeks and called again - I was told they received it - " it was in progress, not to worry about it. '' I called again in another few weeks to follow up on it and was told it had n't been received yet. The lady I talked to said she would send me a packet with the application form in it - take it out, fill it out, and resend it. When I had received the packet, it was the same form that I had already sent them 3 times. So I filled it out again and sent it Certified Mail with return receipt requested- which I had received about two weeks later that they did receive it. I called once more and they received it - I have confirmation they received it. Meanwhile, I was sent a statement stating that I owe an {$1800.00} standard payment because they had n't received my application back in time and now owe {$1800.00}. They sent notice to the university I attended to notified that I was late on paying the {$1800.00}. Navient also tried to get me to place a forbearance on the {$1800.00} which would be accumulating additional interest. I did not sign for the forbearance because I feel I was inappropriately and falsely charged for the {$1800.00}. I have received several e-mails from Navient warning me that I will be placed on default if I do n't either pay the {$1800.00} or sign a forbearance. I feel this is totally out of line and not due to my not following what needed to be done. Navient has serviced my student loans for the past 3 years and I have always followed the instructions to send in the applications on time. I feel there is some kind of break down in their company which has been trickled down to me. I filed a complaint with the CEO of Navient, a copy to your company, as well as a copy to XXXX XXXX, US Attorney General 's Office about this problem. I also called the Ombudsman at Navient, who referred me to the Navient Advocate office. I did receive a call from a Navient Advocate who 's return phone number was for a XXXX survey. I recalled the Ombudsman and filed another complaint because I ca n't seem to get past the customer service people who do not help at all but just exacerbate the problem and never offered any kind of help or solution to my problem. I did n't even get a return receipt from the certified letter I sent until XXXX XXXXat least 3-4 weeks after I sent the letter. I have documentation of everything with names of who I have spoken with. I 'm wanting to know if I can be included in the class action suit in progress right now through your company. Thank you. XXXX XXXX Ombudsman Case # XXXX ( XXXX ) & XXXX ( XXXX ) XXXX XXXX XXXX, Navient Advocate XXXX xt XXXX | ||||||
| 07/02/2019 | Yes |
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| Navient is intentionally misallocating overpayments/payments to maintain maximum interest accruements on portions of a consolidated loan to prevent loan bearer from paying off the loan quicker. 1. On XX/XX/XXXX, Navient intentionally applied {$61.00} of an overpayment to the larger ( XXXX DL ) current balance loan, when allocation was supposed to go to the smaller current balance ( XXXX DL ) loan ( all accrued interest obligations on both portions were met ). 2. On XX/XX/XXXX, Navient intentionally split an overpayment applying {$77.00} towards the larger ( XXXX DL ) current balance loan with {$84.00} going to the smaller ( XXXX DL ) loan balance, when the total ( {$160.00} ) was supposed to go to the smaller loan balance ( all accrued interest obligations of both portions were met ). 3. In XX/XX/XXXX, Navient intentionally allocated overpayments in the amount of {$280.00} to interest on the larger ( XXXX DL ) loan and allocated overpayments in the amount of {$200.00} to interest on the smaller ( XXXX DL ) loan. A total of {$490.00} was applied to interest in the month of XXXX alone which is inconsistent with the interest estimator typical monthly payments ~ {$210.00} for both loans in interest accruements. This over-allocation of interest to both loans should have rather been applied to the principal balance on ANY loan, especially the smaller current balance loan as stated and requested ( interest obligations were met and paid. ) 4. In XX/XX/XXXX, Navient intentionally allocated overpayments in the amount of {$260.00} to interest on the larger ( XXXX DL ) loan and allocated overpayments in the amount of {$180.00} to interest on the smaller ( XXXX DL ) loan. A total of {$440.00} was applied to interest in the month of XXXX alone which is inconsistent with the interest estimator typical monthly payments ~ {$210.00} for both loans in interest accruements. This over-allocation of interest to both loans should have rather been applied to the principal balance on ANY loan, especially the smaller current balance loan as stated and requested ( interest obligations were met and paid. ) 5. In XX/XX/XXXX, Navient intentionally allocated overpayments in the amount of {$270.00} to interest on the larger ( XXXX DL ) loan and allocated overpayments in the amount of {$190.00} to interest on the smaller ( XXXX DL ) loan, which contrasts the ~ $ XXXX/month ( based on interest rate, which did not change ). A total of {$440.00} was applied to interest in the month of XXXX alone which is inconsistent with the interest estimator typical monthly payments ~ {$210.00} for both loans in interest accruements. This over-allocation of interest to both loans should have rather been applied to the principal balance on ANY/EITHER loan as state and requested ( interest obligations were met and paid. ) Examples of similar systematic misallocation activities continued on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 6 ), and throughout history of loans back to XXXX. Navient also steered me away from income-driven repayment plans and lured me into multiple forbearances and consolidating the loans which were clearly not in the best interest of the loan bearer. Consolidation of multiple loans went into effect XX/XX/XXXX and disbursement payment requirements starting in XXXX. IDR should/would have been the most beneficial and practical since XXXX. | ||||||
| 02/12/2021 | Yes |
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| Hi, I do not believe Navient has handled a specific loan/payments correctly. I have asked for clarification, but none seem to answer my specific information. I have asked numerous times to talk to a representative directly in addition to receiving paper mail, but have not received a follow up. I was in the rate reduction program, and before it ended I refinanced a loan in XX/XX/XXXX. It was my understanding that the rate reduction program was ending in XX/XX/XXXX. I have documents to support that. Around the time that I entered into the rate reduction program, I also had a covid forbearance applied to my account ( which added confusion to dates ). XX/XX/XXXX, a large amount ( {$35000.00} ) was sent to Navient. It turns out it did not cover the full pay off amount. I owed {$140.00}. That's fine, because I assumed {$490.00} that was scheduled to come out through the rate production program would cover it in for XXXX 's payment ( XXXX XXXX ). Instead, of taking out XXXX, {$800.00} was taken out. I tried to call Navient, when I saw an email the day before it came out, but the offices were closed due to the Christmas holiday. I called Navient the following morning, they stated that through the recorded phone calls I did agree to the large payment, but my account was weird because it actually wasn't ending until the next month ( something about the covid forbearance ). That phone call prompted Navient to send me an email that the rate production was ending but that I would be refunded for XXXX. ( That was the difference between XXXX and XXXX. ) However, I noticed that although I had one more month in the rate reduction program, my original interests were high again. That shouldn't have happened until XXXX. I called a customer service rep, she agreed with me, and this would be adjusted. I've asked for documentation to show that. But no documents they provided me ever show that I received the low interest rate for the month of XXXX. Also, the {$300.00} payment was refunded on XX/XX/XXXX. On XX/XX/XXXX, I received a statement from Navient, that may balance was {$0.00}. I have that statement to show for. There was a balance showing, and I called a few times trying to confirm that there wasn't an additional balance. I was advised that I should probably wait because there were things being done in the background on my account. On XX/XX/XXXX I received a refund for this specific loan for {$18.00} and another refund on XX/XX/XXXX for {$210.00}. I'm assuming that's fine too, and something must have been overpaid with the XXXX check. On XX/XX/XXXX I have screenshot showing that Navient states I only have 2 loans. Fast forward to late early XX/XX/XXXX, the loan that I thought was gone reappears. I never received any statement, calls, anything. I call Navient trying to figure out how was that possible. How did I receive 2 refund checks if I actually owed a balance? My account and information was forwarded to a research department. I never heard back on where this amount came from and why I received refund if it actually wasn't paid I full. I paid the remaining {$140.00} on XX/XX/XXXX because I was not hearing a response from Navient and did not want interest to accrue. It is not acceptable to send a statement with a {$0.00} balance, remove a loan, and then add it back with no acknowledgement that this happened. | ||||||
| 02/01/2019 | Yes |
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| Starting on XX/XX/XXXX, I called to lower my loan payment. After being on hold for 20 minutes, I was able to speak with a representative. She was fairly rude and short with me when I asked to lower my payment plan based on my income. She garenteed me that they will send me papers in the mail, after I had asked for via email documents instead. She said she could only send it on paper through the mail because it was about 20 papers for me to sign and read. I said to myself this is rediculous and illegal. All I wanted was the paperwork sent through via email so I could quickly fill them out and turn them back in before my next assigned payment due date on XX/XX/XXXX. Still to this day ( XXXX ) I have not received any papers from navient in the mail. Monday XXXX I called Navient, and got ahold of an representative and directly asked to speak to a supervisor during this call. The news she gave me was false and once again illegal. She told me that my account number and all my information I had given her indicated that I was not in Navients system. She asked to transfer me over to the Department of Education and speak with one of their representatives. I complied and when I was transferred I was on hold for 35 minutes and decided to hang up. When my sister calls about her loan the same day ( her loan is also with navient ) they seem to answer her hold call right away and she is able to speak with a representative within 5 minutes of being on hold. How is this possible. I thought to myself something shadey is going on with Navient and realized they are putting me on hold on purpose in order to avoid contact with me. The 2nd time I called the same exact thing happened again, telling me that my information is not showing up in there system and keep transferring me to Dep. Of Education while on hold for 40 minutes again I decided to hang up and call back. After this incident happened over and over again I had my sister call and put in her account number just to speak to a representative and once again they said Im not in the system and transfered me to department of education for the 4th time and left me on hold for 45 minutes this time. At this point I had spent half of my day trying to get ahold of a representative to figure out what was going on with my account. I almost lost it that day from frustration so I decided to call again the next morning. Tuesday the XXXX I called about XXXX and had the same exact experience from the previous day. This time when I called it was a 40 minute wait time the automated recording said. It gave me an option to either press 1-to make a call back appointment or press 2-do not make appointment and if you didnt press 1 it would disconnect your call. I pressed 1 and make a call back appointment for XXXX the same day. Well guess what? They never called me back. In fact when XXXX came around I decided to call again. When I called the same thing happened. The automated voice told me it was high wait time at 40 minutes. After that I pretty much gave up calling and this is when I decided to write this complaint towards the loan company Navient! I hope who ever reads this understands how frustrating this experience has been and when I am able to financially afford a lawyer I will sue them with all I have. Thanks for your time and support. Have a great day. Sincerely, Your Victim of Navient | ||||||
| 08/23/2016 | Yes |
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Web | Servicemember |
| I 'm a member of the XXXX and have been activated on title XXXX orders for XXXX duty of various time lengths in the last couple of years. My civilian job has been very helpful and has worked well with me and my family with the transitions, up until this point, that is. The attached documentation is in chronological order and I will try to explain it in this letter in the same manner. The first letter I received was dated XXXX XXXX XXXX and it is telling me I have a debit of {$1700.00} in unpaid health insurance. I elected to pay for and maintain my civilian coverage while on XXXX XXXX to allow my family to keep our same providers and use my military insurance as secondary coverage. It states in the letter that my payments are scheduled to be taken out of my check and that I would maintain the pretax benefit with that. I elected to let that procedure take place as outlined in the letter. I was back at the XXXX from XXXX XXXX XXXX until XXXX XXXX XXXX ; I then went on XXXX XXXX for two more weeks from XXXX XXXX XXXX until XXXX XXXX XXXX. I then returned to the XXXX on XXXX XXXX XXXX and stayed there until I was activated on the orders that I am on now ; XXXX XXXX XXXX until XXXX XXXX XXXX. In XXXX XXXX I received the attached letter from the Treasury Dept. that stated I owed {$660.00} and listed a website and a telephone number. The website seemed suspect to me and was asking for all my personal information, so I called the phone number on the letter and left messages there, with no response. The letter also stated on the top my debit was {$660.00}, but at the bottom payment coupon it says I owe {$850.00}. I contacted my supervisor at the XXXX and he contacted XXXX of the XXXX personnel that are located in XXXX. They both advised me to wait until they checked it out to make sure it was legitimate. Next, I received a phone call on my cell phone from Pioneer Credit Recovery Inc. asking if I was XXXX XXXX, what was my birthdate, address and last XXXX of my SS. Of course I was very wary of answering, but then he told me my last XXXX! He wanted me to send them a copy of my orders and I told him the XXXX had copies of my orders and if they sent him to me, they can give him copies of my orders. This is what rekindled my efforts at finding out what is going on, so I contacted my XXXX Supervisor, and the XXXX person. XXXX sent me the information attached dated XXXX XXXX that outlined my medical insurance payments and what is still due. On page XXXX it states I owe a principle of {$630.00}, interest of {$2.00}, a penalty of {$6.00} and administrative costs of {$30.00}. After I obtained this information I mailed a {$500.00} check to the XXXX in XXXX XXXX with the attached XXXX XXXX XXXX letter. I have also attached an image of the cancelled check for {$500.00}. I will mail them the remaining amount when I find out if I am liable for the full amount. This brings me to XXXX of my questions ; Am I responsible for the interest of {$2.00}, a penalty of {$6.00} and administrative costs of {$30.00} or does the XXXX allow for these charges to be waived because they were incurred while I was on military duty and they are trying to be collected while I am again on military duty? I would also like this incident removed from my credit report. Does n't the XXXX XXXX XXXX XXXX prevent my credit from being damaged because of this? | ||||||
| 07/07/2017 | Yes |
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| I have had SEVERAL issues with XXXX XXXX/Navient. I was hospitalized while attending XXXX XXXX and received money from XXXX XXXX. I had to be flown out for XXXX XXXX where my insurance would cover and the recovery took roughly about 2 months due to complications. Years later, I started attending college again. I consolidated ALL of my loans through NAVIENT and I have been paying my school out of pocket since XX/XX/XXXX. When I pulled my GPA up and consistently passed my courses and made payments for school each semester, I wanted to finally be able to use a student grant to pay for my classes. I was told that Navient was holding me back from being able to receive a grant. That is when I contacted Navient in XX/XX/XXXX. I was told that they had sent my account to the XXXX XXXX XXXX for non-payment. I asked why it was sent there if I had been enrolled in classes at LEAST 1 semester was part time per year and I have been paying them out of pocket. They told me there was nothing they could do and I would have to just pay the XXXX XXXX XXXX {$5000.00} in full. I asked about my other loan accounts and was told those were NOT sent to XXXX XXXX XXXX. When I asked why 1 account was sent when all of them were supposed to be consolidated together, I was not given an answer. I was told I had to pay {$5000.00} in full to the XXXX XXXX XXXX and 3 consistent months of {$150.00} payments to Navient for my other accounts and THEN they would allow the school to provide me with a grant. I told them, I have a 10 year old car that is falling apart, paying for school out of pocket, unwed, unassisted with housing/food/family/etc., and there was NO way they could help me with at least the payment amounts? They said no. I 'm still paying for school because I refuse to give up my education in hopes of a more successful future. I am 1-2 semesters away from my XXXX XXXX degree ( depending on how much I can afford to spend per semester ), and then I will persue my XXXX XXXX degree. My credit has been tanked solely due to student loans and medical. I feel like I am drowning debt and have to sacrifice my credit just to keep myself afloat with the essentials in life and 1 or 2 classes per semester. Navient was supposed to consolidate ALL of my loans together. I do n't understand how 1 of my accounts was sent to the XXXX XXXX XXXX when they were ALL supposed to be the same account and kept together. I feel robbed and lied to. Now I have a ruined credit score and am flat broke scraping by. I called XX/XX/XXXX to set up my payments for 3 months of summer so that I could get grants and take more classes in XX/XX/XXXX so I could just get my XXXX 's taken care of. I was told that I still had to pay {$5000.00} to my account at the XXXX XXXX XXXX in full and that my monthly payments to qualify for grants was now 6 months! I just can not get a straight answer. With all of the scams going around, I am so confused. I am willing to pay my debts, but I do n't know who to pay or how much is the accurate amount because things keep changing with the deadlines they give me, the monthly charges they provide me, and their refusal to email me anything in writing. It 's almost better just to totally butcher my credit and spend my money on school like I 'm doing now rather than give it to a con artist and still not be able to receive my education. | ||||||
| 01/26/2017 | Yes |
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| XXXX XXXX, XXXX Re : Complaint Against Navient and XXXX XXXX To Whom It May Concern : In XXXX, I consolidated a loan with XXXX XXXX. Today, my total balance due to Navient is nearly double that mount, and this increase is from accrued interest. At the beginning of the loan, our monthly payments were very manageable, and my husband and I were able to easily keep up with them until we had our XXXX child in XXXX and I experienced XXXX which prevented me from working. In XXXX, just prior to the XXXX of our XXXX child, we went through a bankruptcy, however, the student loan was not dischargeable. Following that, as we tried to rebuild financially, XXXX XXXX began encouraging us to use forebearances and deferments. Since that time, Navient took over the servicing of my loan, but they continued to steer me toward using forebearances and deferments. As the interest accrued, the monthly payment amount became more and more unmanageable, and Navient would not allow us to pay any amount lower than their established monthly minimum, thus requiring us to use more forebearances and deferments. In XXXX, Navient informed me that all forebearances and deferments had been depleted, and at that point, they encouraged me to apply for an Income-Based Repayment plan. I still had not worked since the XXXX of our XXXX child, so my income was XXXX. I was told I would qualify for monthly payments in the amount of XXXX, and that as long as my income was n't too high, I would continue to qualify for the $ XXXX monthly payment. The man on the phone ( named " XXXX '' ) told me he knew of people earning {$4000.00} per month who still qualified for $ XXXX monthly payments, that in fact it was extremely rare to be disqualified. He also told me if I " renewed '' this plan for 25 consecutive years, my loan would be forgiven. I filled out the application and sent in documentation of income, which included the most recent income tax return filed jointly with my husband, and my husband 's 2 most recent paystubs. I was approved. Last year ( XXXX ), when Navient informed me it was time to renew my Income-Based Repayment Plan, I was surprised to learn I would have to go through the qualification process again. And this time, they informed me I did not qualify because my husband 's income was too high. My monthly payment amount is now nearly double the amount from the previous year. The first payment is due in one month, and there is no way we can afford it. Had we been offered Income-Based Repayment or Graduated Repayment back in XXXX, we would have gladly made our monthly payments, and those payments would probably be around one fifth of what they 're asking for now. I feel as though XXXX XXXX and Navient steered us toward forebearances and deferments with the intention of increasing the amount of money we would eventually owe them. It 's been a slippery-slide for us, and had they informed us that there were repayment plans for making payments manageable, we would not owe XXXX more than the amount I actually borrowed. This has left us in a terrifying position as Navient will very soon begin to take extreme measures to collect monthly payments. The impact on our family will be devastating. I believe XXXX XXXX and Navient deliberately encouraged us to repeatedly pursue options that would ultimately be harmful to us and lucrative for them. | ||||||
| 04/13/2017 | Yes |
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| XX/XX/XXXX To whom it may concern I am writing this letter out of pure frustration concerning my Parent Plus loan with NAVIENT I took out on XX/XX/XXXX for my son 's education. I have attached a letter of events that happened to my family which caused me to become delinquent on this loan at different times in the past, however I have continue to pay on this loan. There is no help for me in getting this loan paid off in my life time. The original loan amount was for {$13000.00} and my balance is {$4000.00}. It has gone down very slowly XXXX in 11 years. That is a absolute SIN! I call and try to explain to them what happened to us, and I send them letters of hardship but there is nothing they will do to get this balance down. I am frustrated to say the least and I do n't know what else I can do but to continue paying on this and seeing the balance staying about the same. Help, Here is my hardship, To whom it may concern, Let me explain how I got into this situation. I am married 42 yrs and I have XXXX children. My husband was employed at XXXX 46 yrs and just retired on XX/XX/XXXX. I am unemployed and never thought I 'd be in this situation like this in this time of my life. We just completed a short sale on our house in Illinois. We just retired and have no equity in our house due to the horrible hardships we have faced in our past. When my daughter was XXXX yrs old she was diagnosed with XXXX. At the age of XXXX yrs old she stared medication to XXXX. She was part of a XXXX. This was XX/XX/XXXX. At the age of XXXX she started XXXX at our home called XXXX. She was XXXX 3 years. For the past 3 yrs she was in and out of the hospital at XXXX, the gas, wear and tear on our vehicles, hotels stays, was very costly. At the age of XXXX she had XXXX on XX/XX/XXXX. The XXXX with our insurance coverage was {$3600.00} a month for 3 months with no assistance because we both worked full time in spite of the care we gave our daughter. XXXX. As life went on my daughter continued her education at the XXXX college and then on to a University XXXX at our expense along with student loans from XXXX. During the year of XXXX there were several times of trying to XXXX and more XXXX costing in the thousands. I eventually had to refinance my house to pay off these credit cards. I could not keep up with the monthly expenses. At the age of XXXX she had a XXXX on XX/XX/XXXX, XXXX. That meant XXXX, bills got behind, mortgage got behind, and more thousands of dollars for more XXXX. I borrowed more money from my equity and my mortgage goes up and up. On XX/XX/XXXX this XXXX with again numerous attempts to save my XXXX which means more debt. As of this date XX/XX/XXXX my daughter is on XXXX and having multiple issues over the years. However my expenses have n't changed, the loans are still there and life goes on trying to keep above float. As to put more burden on the situation during all of my daughters issues my son graduated from high school and went onto a XXXX. Another student loan was needed. While in School his XXXX with no reason, more medical bills another forbearance from " Navient '' without telling me the interest does not stop.His XXXX then another forbarence, with interest compilling up!!! I need help with a forgivness on this loan, it 's been very hard to keep up. I have called & asked for help with no prevail. | ||||||
| 09/15/2017 | Yes |
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| I have 4 individual XXXX Student loans and 2 federal student loans serviced by Navient ( the private lender was XXXX XXXX ). I began XXXX school at XXXX XXXX in the fall of XXXX, graduating in XXXX. I landed my first job in XX/XX/XXXX working as a XXXX XXXX for a XXXX XXXX XXXX making approximately {$28000.00} per year. I was employed by XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. My scheduled monthly student loan payment was more than I could afford- I brought home approximately {$620.00} every 2 weeks and my monthly payment at that time was approximately {$900.00} per month. I contacted XXXX XXXX ( now Navient ) regarding my repayment options. Initially, I was told that I could obtain a forbearance, which required payment of a fee. Periodically, I had to request a forbearance until I had received the maximum number of forbearances and could no longer obtain one. After I exhausted the forbearances, I once again contacted Navient about my options. I was told that I could do an extended repayment, with interest-only payments for a set number of years ( I believe it was 4 ). Afterwards, the payment would increase. When I asked what if my income was not sufficient in 4 years to afford the increased amount of the required payments, I was told that the extended repayment was my only option. From XXXX to XX/XX/XXXX, I was unemployed. I contacted Navient about my options and was told that I had none but to repay my loan as I had exhausted my forbearances. ( I was permitted to defer my federal loans during this time. ) I had no choice but to not make payments during this time ; however, I made all past due payments and brought my loan current by XX/XX/XXXX. Not once when I contacted Navient about repayment options did anyone offer or speak to me about income based repayment. Nor did Navient make clear to me that each time I received a forbearance or could n't make a payment, the loan interest would be capitalized into the loan principal. Because of capitalized interest, I now owe an extra {$38000.00} on my private loans, which is 54 % of the amount borrowed from XXXX XXXX to fund my education. I graduated 14.5 years ago, but owe more on my student loans that I did the day I graduated. My monthly loan payment is more than my monthly housing and car costs combined. Based on Navient 's estimated pay-off dates, I will be XXXX when I finish paying my loans. My credit has suffered, and because of the large required payments, I have n't been able to save for retirement. When I went to XXXX school I knew nothing about student loans or their terms. ( My undergraduate education was funded mainly through scholarships and grants. ) It took more time standing in line in the financial aid office than it took to complete the loan paperwork. I did n't even sit down, but signed the documents handed to me in the lobby. When I asked " what if I ca n't repay these [ loans ]? '' I was told " you 'll be able to '', I should have asked more questions. I was the first person in my family to go to college, let alone graduate school- I was too ignorant to know what questions to ask and was simply excited to be there and wanted to attend so badly, I would have signed anything. It 's probably too late to help me, but I want others to learn from my mistakes and save themselves from the experiences I 've had. | ||||||
| 03/09/2017 | Yes |
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| I attended the Colorado XXXX, part of the XXXX across the nation. At the time, I was informed that taking out about {$35000.00} in loans for a two year degree was not overly burdensome. This school did not have a job placement or work program in place to help graduated students get into the field they just studied for. The only positions available for audio and video production, the degree I just paid for, were unpaid internships. Had I known that, I likely would not have taken on that much debt. I ended up working in a call center at minimum wage to feed my family ; me, my wife, and our first child. When the loan companies started asking for repayment, I was not able to make them. Other bills, such as utilities, food, rent, took priority. The interest rates were keeping the requested monthly payments at around {$200.00}, which at the time were out of our reach. So the interest kept accruing, and the monthly payment amounts kept going up, and there was no relief. I had to declare bankruptcy in order to get out from the mountain of debt already accrued at the beginning of our family life. And of course, student loans are unforgiveable in a bankruptcy. I continued working where I could make enough money to pay bills and raise a family. It was not until we moved to another state, almost XXXX years later, that I finally found a job in which I could use the skills from my degree. My degree was expensive, the school unwilling to help in placement, and the loans were unbearable. None of this of course was marketed to any of us students while we were lining up to take out loans in the school 's financial aid department. Once we moved to another state, the cost of living was lower, but so was the average income. I was still not able to make payments. The entire time, I was in contact with the loan companies, and had filled out the deferment paperwork on time and in proper fashion. I was not delinquent nor was the loan called in for non payment. Just over two decades since graduation, I am now trying to pay off the loan. Unfortunately, it has expanded to over {$86000.00} dollars. I recently asked Navient, who has me on a XXXX dollar payment and shows that I am of course current, about paying off the principal to stop the interest from accruing. They said of course, if I paid off the principal it would stop the interest. Great, I said, I am working on getting the {$35000.00} together. That 's when they informed me that in XXXX, the principal was changed. They took the original principal, {$35000.00}, and all of the interest accrued, and made it all into a new principal. Now, in order for me to stop interest accruing, I have to pay off a {$84000.00} principal. Since they pulled that atrocious stunt, that new principal has accrued over {$2000.00} in less than one year. I will never be able to pay that off. I am in my XXXX 's. I am approaching the age where I will need to utilize my Social Security. But of course, I ca n't do that, because the law says, the same law which disallows Federal student loans from forgiveness in bankruptcy, that if I owe any money for Federal student loans they will take it out of my SS until it 's paid off. I can not possibly take care of this on my own. And I have tried. There is paperwork going back to XXXX or so showing that I have been as cooperative as I can regarding this debt. | ||||||
| 01/28/2020 | Yes |
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| While attempting to get approved for deferments or income based repayments in XXXX, Navient, my loan servicer would not properly calculate my income. I sent over verification from my employer, XXXX ( a XXXX based company with head quarters in XXXX XXXX for verification purposes ). I self certified, and tried many processes to get the payments reduced or halted for some time so that I could catch up with other obligations. Because my account was setup for Auto-Pay, I suffered greatly with the large withdrawal amounts that were greatly in excess of the 15 % discretionary income limits. My proven yearly income for the entire year was {$24000.00}. I continually relayed details to the company that I only made {$24000.00} per year. You will see that the amounts they charged me fluctuated greatly from month to month. Some months nothing came out as I was promised a deferment during a phone call and then the next month, a large payment was withdrawn. Why would I pay {$410.00} in XXXX and then jump to {$630.00} in XXXX. It was impossible to control the payments and to balance my income due to Navient. My credit suffered and dropped 150 points as I used up more available credit on credit cards to float other payments and to pay for my needs. Please see the payment history that was auto withdrawn by Navient 's calculations in XXXX. XXXX - {$200.00} XXXX - {$200.00} XXXX - {$200.00} XXXX - {$200.00} XXXX - {$200.00} XXXX - {$660.00} ( this is when I started communicating through the online system and via phone calls ). XXXX - Nothing was withdrawn as they " investigated my income '' - XX/XX/XXXX " IBR approved, but the calculations are incorrect XXXX - {$510.00} ( This calculation is not accurate with making $ XXXXyear ) XXXX - {$620.00} ( why did it increase? ) I submitted an Economic Hardship Request. I had a phone call and explained how the XXXX, XXXX, and XXXX payments were causing me hardship. XXXX - Nothing was withdrawn because I contacted them again after the large XXXX payment. XXXX - {$410.00} ( Rate dropped and I thought this would be permanent even though it was not accurate with making $ XXXX/year ) XXXX - {$630.00} ( Increased again with no explanation ) I have submitted an application for hardship deferment. I have uploaded my W9 from my employer proving that my total income last year was {$24000.00}. I anticipate less income this year because my employer is in XXXX. Last year the XXXX XXXX XXXX reduced available hours for XXXX to take XXXX XXXX. With our United States changes in time zone and the reduced availability of evening XXXX for the XXXX XXXX I am XXXX only XXXX XXXX per day instead of XXXX. That is a reduction of approximately {$8000.00} as I make {$11.00} per lesson and I attempt to work 365 days a year. I would like my account history to be investigated. I also do not believe they will give me a deferment based upon what they did with my loan last year. From what I can see at this time, I will not make {$24000.00} with this employer this year. A reduction of {$8000.00} is a hardship. I am seeking additional employment that meets my needs of a home-based business because I have an XXXX XXXX that causes me to need to XXXX and XXXX more than normal. Leaving the home and working a usual 9 - 5 has not worked out for me for a long time. I get XXXX and can't work at all. | ||||||
| 12/29/2016 | Yes |
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| I would like to request your help in paying off my signature student loan.I have tried talking to several Navient agents, but no one has helped me in resolving my issue.The customer service agents, have been disrespectful and condescending to me when I have tried explaining my financial difficulties and immigration challenges and asked for help in resolving my issue with the loan. They just threatened me that, they will find ways to nail me and the cosigner and affect credit rating badly. They also mislead me into a settlement offer and after XXXX payments now not cooperating to honor because of a technicality. I have a signature student loan with Navient under my name : XXXX XXXX Account # XXXX. I deferred payment during college and started repayment immediately upon graduation in XX/XX/XXXX.I have made consistent payments all throughout until now.Earlier this year I was laid off, could n't afford monthly payments any longer. There were several collection calls to me and my cosigner. My cosigner is not financially able to support me with the loan or bear the burden of the loan.He offered to help in a small way personally and asked me to payoff the loan.I requested a payoff for the signature student loan and an agreement was reached for {$3600.00}. I had made arrangements for payments in XXXX and XXXX. According to my bank, initial payments were made successfully in XXXX and the final payment scheduled for XXXX XXXX failed to go through. When I checked with the bank, they said, it was over {$1500.00} and came on a Sunday night, and usually for those amounts, they would call and verify to validate the transaction, because of this technicality the third payment did n't go through.I have tried to call from that day and speak to several Navient agents to try and explain this situation and ask to resolve the issue to pay off the loan.The agents keep reading off notes from the computer and were not interested in cooperating with me to find a solution so I can payoff the loan.In reality I have been unemployed since XX/XX/XXXX, I have to leave the country next week due to immigration rules.My consignor currently is not financially able to pay or bear the whole loan.My sister has loaned me the settlement money to peacefully resolve the loan and not get a bad name.I would like you to kindly review my payment history attached to see that I have made payments since graduation and also worked to setup settlement to payoff the loan, when I got laid off, in the settlement letter attached. I have provided the bank information and payments have successfully posted during settlement. The last payment failed to post because of a technicality.I am requesting your help in resolving this matter.I just need a new payoff amount to completely payoff the loan and close the account.I want Navient agents to understand their job is to help resolve issues and NOT attack the customer. I want Navient to consider situations and work toward repayment solutions and not focus on siphoning money as much and as long as they can, by refusing to cooperate with me on repayment options.I want Navient to understand that I can only pay from the resources I have, when I have been unemployed for a year, I am borrowing money to settle the loan, a settlement amount should be offered to which I can commit to and in a position to borrow and pay. | ||||||
| 05/08/2018 | Yes |
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| Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX I took out a student and my mother was the co-signer of this loan. I have been enrolled in college since and during all this time was given deferments on this loan with has been in fact documented by NAVIENT. NAVIENT Deferment documentation attached. On XX/XX/XXXX I was alerted by by my mother that various credit reporting agencies that Dept of Ed/NAVIENT was reporting negative consumer information to all 3 credit reporting agencies that has a direct and negative effect on my credit rating, and has in fact caused her direct harm by reporting this false information. These negative reports made by NAVIENT started on XX/XX/XXXX and continued in various ways until XX/XX/XXXX. Had she not been made aware of this fraudulent information being reported by NAVIENT this would have gone unchecked and her credit rating would have continued to deteriorate for who knows how long. Credit Report Alerts attached. Once this was realized, myself and my mother made several calls to NAVIENT and each time was treated with hostility and total disrespect. We were told to bad thats how its going to be reported, and they refused to update and or correct the fraudulent information they were reporting, even though we had proof that this loan in question was in fact deferred from XX/XX/XXXX to XX/XX/XXXX. Deferment letter attached. NAVIENT did in fact start reporting this false information to all 3 credit reporting agencies before the deferment time had expired. My mother then filed disputes with all 3 credit reporting agencies and once again, NAVIENT doubled down on continuing to report this fraudulent information on her credit reporting files to all 3 credit reporting agencies. Not only is this a personal slander on her, it is by all means Deplumation of Character by their continued actions and refusing to correct their mistakes that they have continue to report and refuse to correct. Credit Reporting Dispute Results attached. NAVIENT made no attempts to contact myself or my mother regarding this matter leading up to this false reporting to all 3 of these credit reporting agencies neither by e-mail, phone calls or by US Postal Service, even though they did in fact have out contact information as proved by the letter of deferment dated XX/XX/XXXX. No contact by NAVIENT at all, not once in any way shape or form regarding this matter. Otherwise this situation would have been handled by be long before they started reporting this false information that has in fact damaged my credit rating and continues to do so. Its no wonder why NAVIENT has several class actions suit pending against them with such fraudulent practices among the many others including this one outlined above. I have every intention of joining with any class action suit available to me and will further discuss this with my attorney as to what can be done to hold NAVIENT responsible for this deplumation of my character and credit rating that will take years to overcome by this damage done by NAVIENT. I want this corrected. This false information NAVIENT is reporting is unacceptable and should not be allowed to continue this fraudulent actions by any means. XXXX XXXX CC : NAVIENT Department of Ed Consumer Financial Protection Bureau United States Attorney General Arizona Attorney Generals Office | ||||||
| 10/24/2019 | Yes |
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| To Whom It May Concern, My name is XXXX XXXX ( DOB : XX/XX/XXXX ) and I have an account with NAVIENT Student loans. SSN XXXX I recently had an informative phone conversation with a representative of NAVIENT and was explained why I had late payments reported on my credit score. Back in XXXX of 2018, I requested a forbearance due to hurricane Irma, due to the short time working at my new job and I also learned during the phone conversation with the representative that my monthly payments would be more than $ 300 monthly. I had every intention to start making payments on my student loans in this 2018 year. Earlier in the year I was requesting for my payments to be {$100.00} but I was told the minimum based on my household size and income would be more than $ 300 monthly. At that time I was not able to pay that amount monthly and I told them I could only afford {$100.00} or less. Early XXXX I had a death in the family, my grandfather. On XX/XX/2018, two days after coming back from out of the country due to a death in my family, I received an alert in my email that 22 accounts were reported delinquent. As a result, the late payment was reported to my credit score. Multiple attempts were made to get in touch with me especially through email however I had forgotten that two years ago, I selected email as my preference for contact and that now I have a new email address that needed to be updated. And that was another reason why I was not expecting mails as well. As soon as I got back in the United States, I attempted to call on a XXXX morning but the office was closed. I attempted again but it was a holiday and by the next day it was already too late. After the delinquency was reported to my credit, I reached out to another representative. I was then informed that my payments were $ XXXX monthly and that it was also {$90.00} and not more than {$300.00}. I told the representative had I known I would have not filed forbearance earlier in the year and I would have already started making the $ XXXX monthly payments. The representative apologized and gave me another forbearance due to misinformation and miscommunication, she had her manager looked at my account to confirm the new monthly of {$90.00}. The payments are set to begin in XXXX 2018. I realize that this was not completely a mistake made by NAVIENT ; but rather, a mistake on my end for not remembering the forbearance end date and for not following up to make sure all of my information on file was up to date and accurate. However, after seeking some advice on how to go about the situation, I was informed that creditors, such as NAVIENT have discretion to remove negative reports in certain instances. I am not proud of this black mark on my record. I would be extremely grateful if you could honor this request to remove the lateness from my credit report. I am fully committed to maintaining prompt payments and I am open to enrolling in auto-payments if such an option would help with the requested removal. It would help me immensely in securing other lines of credit so that I can further improve my credit score. If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. Thank You. Please let me know if you need any information from me. Thank you for your time and consideration, XXXX XXXX | ||||||
| 09/23/2018 | Yes |
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| I have been on an on Income Driven repayment plan through Navient since 2013. I am not sure the excact start of IDR plan because I was in default before that. Each year since the I started the IDR plan, I have submitted a re-certification of my income for the IDR repayment plan. and each year it was approved and I continued making payments without any default. I have had to go on forbearance a few times to get my re-certification paperwork in order. Each time I went on forbearance, I asked Navient 's customer service agent if it would effect my chances at loan forgiveness through the public loan forgiveness program, since I work for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX institution. Each time the navient costumer service agent said the forbearance would not effect my loans being forgiven. Each time I inquired about this, I would ask more questions like to do I need to fill out any more paperwork for PSLF ( forgiveness ). The Navient agents would tell me that I " didn't need to '', but if I wanted to know the amount of payments I would still need to make in the IDR plan to be forgiven under the PSLF then I could submit Public Service Forgiveness : Employment Certification Form on XXXX 's website. I put off submitting this form because I was told numerous times that as long as I qualified, which I was told by Navient agents that I did qualify for the PSLF program, that there was no need to submit now. I was told the same thing over the years when I had called XXXX. Recently with all the lawsuits regarding Navient in the news it had me concerned. I started to fill out the Public Service Forgiveness : Employment Certification Form and I had questions. I called a contact number on XXXX XXXX site to ask questions. The XXXX representative said they could not find me in there system. I was confused what that meant and they transferred me to another office. I was told again that they had no record of me having a Direct Consolidated loans ( subsidized or unsubsidized ). This really confused me. I told them I had been paying my loans through Navient for years with the knowledge that my loans were consolidated ( which Navient 's site says they are ). When I look on my Navient account both subsidized and unsubsidized loans state they are consolidated. When I fill out my re-certification for IDR plan it lists loans that are " DIRECT Loan Subsidized and Unsubsidized ". XXXX said I need to re-consolidate now if I wanted to to be in the PSLF program. I am afraid to do anything right now because I have been following Navient 's direction for years. In the past XXXX even told me everything looked good, but I could fill out the form if I wanted to know how many more payments I had to make but wasn't necessary at that time. In the past when I have called XXXX, I was never told that I did not have Direct Loans that were consolidated. This is very alarming and I would not have stayed employed at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX institution for so long and making IDR payments for so long if I didn't qualify for the PSLF program. I am not sure what my next steps are. I am very frustrated and scared. I started looking in to class action lawsuits because this sets me back years in interest and payments on a program that I thought would help myself and my family. I am not sure what my next steps should be. | ||||||
| 09/01/2016 | Yes |
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| Where do I start? My family decided to get a financial advisor to help clean our credit, and what he found had me beside myself. I got a private parent plus loan with my mom in XX/XX/XXXX ; the loan ballooned from {$6600.00} to {$15000.00}. In XX/XX/XXXX my mother filed bankruptcy, at the time my family and I was dealing with the economic crisis. During this time XXXX XXXX reps. called me constantly although I explained to them my mother was in bankruptcy chXXXX, they would even call me on Sunday mornings, I could n't pay them since I was in school so they would make me call my mom on 3-way so that I could ask her to help me pay the loan or that it would default on my credit, ( come to find out they would ask me to call my mom on 3 way because they legally could n't contact her ). Although my dad handled the bankruptcy, my mother and I did n't really understand the laws about bankruptcy other than creditors was n't supposed to call. During XX/XX/XXXX and XX/XX/XXXX they would call and threaten me with default and bringing me to court. The first call that gave a turning point was when a rep. from Navient called me and said my loan had been switch over to them from XXXX XXXX and if I do n't pay that day they would default the loan the day after. So I paid. I 've been harassed by Navient since my mom filed bankruptcy since XXXX. Fast forward to now, XXXX days ago I found out from my our financial advisor that the loan was included in the bankruptcy and discharged through bankruptcy chXXXX giving the loan a zero balance on my mom 's credit report. However XXXX XXXX was n't satisfied with the bankruptcy payments, so they compromised a plan to get {$15000.00} from me on {$6600.00} loan that was paid in bankruptcy. I have XXXX account numbers XXXX from XXXX and XXXX from navient. What XXXX XXXX did was transfer my moms private parent plus loan to navient as a federal loan so that they could have ground to collect payment. Because I made a payment because the rep. said the loan would default, it sent my account into repayment status. I HAVE THE DOCUMENTS WHERE MY FINANCIAL ADVISOR SHOWED ME THAT THE LOAN WAS PAID IN BANKRUPTCY COURT IN FRONT OF A JUDGE!!!! They had me paying on the loan that has already deemed paid for. They could n't make me pay it as a private loan because it was discharged in bankruptcy court, that 's why it was transferred to Navient as a federal loan so that they could still collect. When I told them I was n't working and had no money they said my husband had to pay for the loan, this can be proven since XXXX % if not all the payments was paid with my husbands debit or credit card. Here are my XXXX account number XXXX XXXX Private XXXX Navient Federal XXXX both of these accounts are for XXXX loan. Not only do I have to get a lawyer to right this wrong, but now my information is in XXXX, my social security number and all my personal information in a country that has no right to abide by our laws in the US. Since I found out this information I have not been able to sleep, I 'm agree and hurt. I remember the days and nights that they would call me with threats, nights my husband and I went without utilities and food just so that my loan would not default. It 's just hurtful how this company which is supposed to be trusted take advantage of students who already cant afford school. | ||||||
| 12/05/2017 | Yes |
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| Sent via email XXXX Ombudsman XXXX Loan Forgiveness & Public Service Loan Inaccurate Information Date : XX/XX/XXXX To whom this may concern : Please, help me with this, I have been unsuccessful in my own attempts to get this resolved. For years I have been given incorrect information regarding my principal debt. I went back to school to obtain a degree in XXXX XXXX with the guarantee that I would have {$17000.00} forgiven under XXXX Loan Forgiveness ; after completing 5 years of XXXX XXXX XXXX. I also have been told by multiple serving banks that I qualified for Public Service Loan Forgiveness and uploaded all required documentation to their websites as instructed. I made every effort to comply with the rules and regulation for both XXXX Loan Forgiveness and Public Service Forgiveness. Alarmingly, each time a new servicing agency takes the loan it is their advice I follow, and it seems as if I am constantly being improperly advised. Nothing has ever been forgiven and apparently at no time have I been on the right payment plan. For years I was under the impression that my loan would be forgiven in XX/XX/XXXX. Within the last 48 hours I have been informed that was never true either documentation was never sent to XXXX nor was I ever on a qualifying service plan. I am shocked and frustrated to say the least. I need some help to correct this wrong, and everyone seems to be pointing the finger at someone else. I should not be penalized for the financial institutions giving incorrect information. I am a XXXX XXXX XXXX XXXX XXXX. I have not been on a vacation since XX/XX/XXXX. In XX/XX/XXXX, after my XX/XX/XXXX car was no longer driveable I was forced to buy a used XXXX XXXX XXXX ( XXXX XXXX rated it most reliable ). Today that car has just over 300,000 miles and is slowly breaking down ( alternator, water pump ). At some point enough is enough. Im almost XXXX, a XXXX survivor and have little desire to live this way and pay off a student loan until the day I die. My XXXX Loan Forgiveness in XX/XX/XXXX for {$17000.00} + interest from XX/XX/XXXX should be credited. ( It was faxed by loan servicing agent on XX/XX/XXXX ; stamped received XX/XX/XXXX XXXX XXXX ) I want a reasonable credit for the good faith payments made under Public Service Loan Forgiveness to apply for the period in XX/XX/XXXX, beginning after the {$17000.00} + interest should have been credited. Each time that XXXX switched servicing bank I was required to upload NEW documents. It seems as if My Eligibility dates have been whimsically changed. Even XXXX has been contradictory with their advice ; facts ; eligibility dates and plans. I feel that I am a victim of either incompetence or data entry errors, at its best. Please see my breakdown below : Current principal {$30000.00} - {$17000.00} = XXXX interest ( {$4200.00} est ) = XXXX balance if corrected in XX/XX/XXXX. Next take XX/XX/XXXX corrected balance {$9200.00} and subtract 89 payments of {$250.00} = {$23000.00} and my loan should have been paid in full. ***I have overpaid in excess of {$10000.00}. Please let me know how we should proceed. Thank you in advance for your time and help attachments : 1 - XX/XX/XXXX, XXXX Forgiveness Received by Bank and time stamped 2 - XX/XX/XXXX NO Student Loans received/disbursed 3 - XXXX Contradictions 4- XX/XX/XXXX, Forbearance | ||||||
| 07/03/2017 | Yes |
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| My student loans are more than {$180000.00}. My lender is Navient. I am currently enrolled in the Income Based Repayment Plan ( IBR ). In XX/XX/XXXX, I discovered the existence of the Revised Pay As You Earn Repayment Plan ( REPAYE ). In mid XX/XX/XXXX, I filed an application with Navient to switch from my current IBR plan to the REPAYE plan, a move that would lower my monthly payments by a much needed {$300.00} per month. I was notified that the application had been received and would take 15-20 days to process. I was advised by Navient customer service that in order to process the application for the REPAYE plan, I need to make a payment of at least {$5.00} in the old IBR plan, which I did. By the end ofXX/XX/XXXX when I had not heard anything from Navient regarding my REPAYE application, I contacted them. I was told that my application was never forwarded for processing after I made the {$5.00} payment. That customer service representative assured me that he would forward the application and that it should be approved within ten day. When I still heard nothing, I contacted Navient on two additional occasions, the beginning of XX/XX/XXXX and again in XX/XX/XXXX. I was informed by customer service on each occasion ( by XXXX and XXXX ) that they had no idea why my application for REPAYE had not been approve given that I had followed all of the necessary steps. They both assured me again that they were submitting the application for approval. On XX/XX/XXXX when I still had no response regarding my application, I contacted Navient again. I was informed by that customer service representative that they found an error in my original application ( I applied for both the REPAYE and, in the alternative, the Pay As You Earn ( PAYE ) plan ). I was advised that I needed to resubmit my application again, which I did and they received on XX/XX/XXXX. The disturbing part of this conversation with this Navient Representative ( XXXX ) was that she told me that had to pay a minimum of {$2200.00} to be removed from my old IBR plan. I was told that once I made that payment, my application for the REPAYE would be submitted for approval. I am a lifetime government employee and do not have {$2200.00} to give them, which is the reason I am applying for the REPAYE program in the first place. I equate the request for a {$2200.00} payment before my application will be forwarded for approval to extortion. I have made the necessary minimum of {$5.00}, which documentation shows is acceptable to be removed from my old IBR plan. I have waited patiently for my initial application to be processed. What was supposed to have taken 15-20 days to process has now taken nearly three months and I have gotten nothing but the run-around from Navient. I am ready, willing and able to make my monthly payments on a regular basis on the REPAYE plan. However, time is of the essence as my next payment on under he old IBR plan is due on XX/XX/XXXX. I am requesting that my application for the REPAYE plan be forwarded and approved prior to XX/XX/XXXX. I have read that a lawsuit was filed inXX/XX/XXXX against Navient for similar illegal practices, to include advising students to file for forbearance and for failing to processing legitimate applications for eligible repayment plans. I simply want this issue resolved immediately in my favor. | ||||||
| 03/29/2022 | Yes |
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| On or around XX/XX/2022, I was reviewing my account for an FFEL loan being serviced by Navient and realized they had continued to charge interest in spite of the federal moratorium. I reached out to them. My Navient account is XXXX ; I can not discern the remainder of the account # from the website. I can not find an account # on my FSA account. On XX/XX/2022, I received a response, effectively telling me my loans are not owned by the Department of Education and therefore not eligible for the waiver. Belieing this to be incorrect, I contact them again on XX/XX/2022. To the best of my knowledge, my FFEL loan was taken with the Dept of Ed ( I have other FFEL loans that are clearly Dept of Ed loans, and this loan is listed amount my federal loans ) and informed Navient that I needed to see documentation of when the loan ceased to become a Dept of Ed loan. On XX/XX/2022, I receive a response again informing me my loan was not owned by the Dept of Ed, providing no other subsantiation or documentation in support of this assertion other than instructing to me to look at a note on their website. On or about XX/XX/2022, I responded to Navient, making it clear that I was asking for documentation of the alleged transfer of the note to Navient as an owner, as none has been provided. On XX/XX/2022, I received a response from Navient indicating they were sending me my Promissory Note ( which is not the documentation I asked for, nor have I received it ). The message goes out of its to not state who originated the loan, only who serviced it. It also asserts that a transfer of servicing occurred with no formal documentation. On the same date, I responded again to Navient, making it clear that I was contesting the idea that they were the owners of the loan, and explicitly asking to see any and all documentation relating to the transfer of the ownership or servicing of my loan. I included a demand that Navient preserve all documents, ESI, etc, related to the loan. On XX/XX/2022, I received a response from Navient indicating that it would be sending me notices regarding the change in servicing, and otherwise asserting that a transfer of servicing ( the statement is deliberately ambigous with respect to ownership of the loan ) had transferred from the prior servicer, XXXX XXXX, to Navient with absolutely no documentation of any kind. Implicitly, Navient is asserting that the ownership of the loan changed without any formal documentation with respect to same, and they have no intention of producing documentation that would evidence such a transfer. That same day, I responded to Navient again. I made clear to them my issue is with respect to documentation as to who owns my loan. I informed that in my experience as an attorney who works with transactional documents, the idea that a ownership of a loan could transfer without any documentation was ludicrous. I explained to them that, absent such documentation, I considered their actions in collecting principal and interest on this loan was fraudulent, put them on notice that I would be filing this complaint and likely a subsequent lawsuit, and reminded them of their duties with respect to the preservation of documents. I have received no response and no documentation from Navient since that time, and this is where the matter currently stands. | ||||||
| 10/15/2021 | Yes |
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| I have for years had problems logging onto the Navient account. When I try to log on it locks me out of my account. I also have a problem getting misinformation and incorrect information when it comes to my account when I talk to a Navient representative on the phone.They 'll misstate status of account, what the call is about and give contradictory information. Sometimes this results in late payments. But I believe there is something in the site that prevents passwords from being recognized and you are always prompted to reset or get locked out. My co- borrower reached out recently and said his credit had been dropped from over 800 to XXXX because of Navient reporting the student loan he cosigned as late. I went on again, got locked out again, but eventually got in and brought account current. It wasn't late enough to be reported by credit agencies but somehow it hit both our credit. When I called Navient to find out what was happening I was met with rude customer service and told the only way Navient handles disputes is by writing to Navient through snail mail and waiting for 30 days for a response. There is no online option. There is no phone or fax number. And no visibility in to the status of your request. Navient actively discourages customers reporting disputes by making it incredibly difficult to access. They don't want to address issues with access to the online site, or with misinformation provided by their agents. The worst part is these delays in terms of online access or misinformation provided by agents actually results in them being able to tack on more penalties and interest on your account. I believe Navient is incentivized to make it more difficult to access account or have clear up to date information because it results in them be able to collect more money. An example : Navient Supervisor told me was told that there was no negative reporting on my account on XXXX I asked for proof in writing as part of my complaint that I would have to send to Navient and she said she would send me an email stating that there have been no reporting to mine or my co-borrowers credit. I was told it would be sent to me by XX/XX/XXXX. If they know that it wasn't reported negatively then they can fix it with the bureau themselves instead of insisting I snail mail write a department with no phone number, email or online contact information. If there is no negative reporting then why are mine and my co -borrowers credit being impacted? Why can't I get a clear answer? And why must I write an address that may or may not get back to me in 30 days for an answer, when they already have it internally? If she's telling me they didn't report my credit will writing the Credit Dispute department even do anything? It's weird and suspicious. Then I was told {$47.00} late payment resulted in the reporting. I would never allow {$47.00} to drop my credit by 76 points! Or my co-borrower 's credit by 150points. If had been able to received accurate information or log on to my account without getting locked out this could have been prevented. The amount of misinformation I was given on XXXX is a great example of how their agents do their best to misdirect and misinform you and how that only results in a bigger bottom line for Navient. It doesn't make sense and I can't get a clear answer from them. | ||||||
| 02/01/2018 | Yes |
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| I have several student loans ( Federal ) and private. The Federal student loans have been great to work with, however, the private student loans ( which were co-signed by my mother ) through Navient ( previously were XXXX XXXX loans transferred to Navient ) are uncooperative, uncaring, and are using illegal means to deny any options to lower my payments. I am a school teacher and only get paid twice a month. I have a auto loan due on the XXXX of each month and my Federal loans are due on the XXXX. The 2 private loans I have with Navient are due on the XXXX of the month. I do not net enough income as a XXXX XXXX XXXX XXXX in a low income XXXX to pay all those debts with my mid month pay check. I requested that Navient change my due date as those 2 private loans total {$640.00} per month to Navient. I requested that the due date be changed to the end of the month when I get my second pay check. They denied my request and I am stuck with late fees ongoing every single month. My student loans with Navient have pay off dates in XX/XX/XXXX and XX/XX/XXXX. I requested that the term be extended so that I would have a more affordable payment. I was denied the opportunity to refinance because they are counting my mother 's income ( who co-signed for me but is turning XXXX years old this year and retiring ), but they are also counting my father 's income as well ( who did not co-sign and is XXXX and retired ). I explained that he was not a co-signor and would not be able to help me with any repayment but they did not care. They counted his income anyway and then told me I could afford to make the payments as they were. I am XXXX years old, living at home because I can not afford to pay for an apartment. I only have my Federal student loans, my auto loan, my 2 Navient private loans and 3 small charge cards. It takes over what I net mid month to pay the auto loan ( which was financed for 5 years and is {$300.00} per month, my Federal student loans and my 2 Navient student loans and my XXXX XXXX loan. When I receive my last ( second ) pay check each month I have to pay the late fees for student loans and student loans that were not covered by the first pay check, gas for my car to get to and from work, my charge cards plus monies for living expenses. There is nothing left so I really needed help in extending the term of my private loans. How can they count income against me from someone that can not legally be held liable for repayment of the loans with Navient? If I nor my mother made any payments, they could not hold my father responsible for the debt so how come they hold his income against me and deny any chances of an affordable payment. In the meantime, the late charges are affecting my credit I am sure. What chance will I have in the future to obtain or possibly every purchase a home or have better rates offered to me based on how the late payments affect my credit? I do make my payments every month and strive to do the right thing and consider myself financially responsible. I feel like they don't want to help me as I have been denied after 3 attempts to lower my payment ( the last time being this month, XX/XX/XXXX ). They just want to charge me the highest payment they can charge and keep collecting late fees from me. They illegally count income that should not be counted. Please help me. | ||||||
| 06/13/2019 | Yes |
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| I, like millions of other students are impacted negatively by Navient 's reckless and predatory policies. I have always paid my loans on time since I began repaying in XX/XX/2015. Now they are sending me emails stating that I can re-up for the income based repayment plan, but when I call them they state that they send that out to everyone and that I have " used up '' my time. I do not make enough money to pay the amount they are asking for, I hold 3 jobs and am taking on more side jobs just to pay rent, and eat. I explain my situation to them, and all they tell me is " Well we suggest you pay your loans because otherwise we will have to get collections on you. '' They have no feeling or idea how this impacts my life. They have a huge lack of repayment options, and when I tell them I make no more than I did 6 months ago, they say I have no options other than forbearance, which to me is NOT an option. Increasing my already HIGH and ridiculous interest rates is something I am not willing to do. Is this the future I face? Holding debt until my XXXX 's or beyond? I will not leave my debt to my spouse, I refuse to marry or have children as this will have a huge impact on their lives if I die with debt. The interest rates escalate exponentially every 6 months, and there is no end in sight to how high they may go. I am only bringing in est. {$2500.00} after taxes from my main job, and am required to pay almost {$900.00} to Navient, plus an additional {$170.00} for XXXX. My rent is {$1300.00} plus utilities, plus food. I am barely putting money away to save. I tell them what I spend my money on, and they tell me that I am negative balance, and how can that be? They don't believe my struggle, they think I am lying about how much I am suffering financially. " How can you pay my loans? '' I tell them that I hold other positions and they are variable as they are freelance but I do whatever I can do pay my loans, proofread, graphic design, sell clothes, odd jobs for family or friends. After I explain this to them, they just ask for my mother 's bank information to run her numbers. Well they have already RUINED her credit based on egregious errors they have made in the past when dealing with my sister 's student loans. Even after having her contact them with her info, apparently I have no other options for repayment other than just pay in full or forbearance, which again is not an option and just a ploy for them to get you off the phone. What can be done? This is out of control and they need to be put in check. Their employees do not help anyone, and I am so amazed that this evil company can have employees that can sleep at night knowing that they are ruining lives, making people homeless, and putting people in debt until retirement age and beyond. I know because of Navient I will never reach my full potential and obtain my XXXX because even thinking about taking on more loans, or even putting those loans in forbearance while I continue my education adds great stress to my life and makes me angry and sad to think about it. Private loans seem to have NO regulation, and I do not understand why. Navient keeps people down, keeps people in debt, while they rake in the money, and hire people with no souls who clearly do not care about their fellow people or making American truly successful and great. | ||||||
| 01/19/2017 | Yes |
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| I XXXX XXXX, XXXX and dispute any wage garnishments against my wages or any judgments against me from the XXXX Department of Education. As per Navient ( XXXX XXXX ) ( XXXX XXXX my loans were XXXX in XXXX for XXXX and XXXX XXXX. I completed and applied for XXXX XXXX in XXXX. As per the XXXX Discharge Guide Lines and Requirements : XXXX Website. A XXXX Discharge relieves me from having to repay the loans as long as I meet the XXXX Discharge Criteria : 1. If you are a veteran, you can submit documentation from the XXXX ( Does not Apply to me ) 2. If you are receiving XXXX ( XXXX ) or Supplemental Security Income ( SSI ) benefits. ( I received XXXX Benefits from XXXX - XXXX, a total of 96 months ) See enclosed letter from Social Security Administration of Benefits end date of XXXX XXXX. You can submit certification from a physician stating that you are totally and permanently XXXX. Your physician must certify that you are unable to engage in any substantial gainful activity by reason of medically determinable physical or mental impairment that : Can be expected to result in death. Has lasted for a continuous period of not less than 60 months or Can be expected to last for a continuous period of not less than 60 months ( I submitted a XXXX Discharge form completed by my Physician in XXXX to XXXX XXXX - Known as Navient ) I was totally and permanently XXXX from XXXX - XXXX, a total of 96 months ) See Enclosed XXXX Discharge Form Submitted in XXXX and Social Security Benefit End Date Letter enclosed. I am still waiting to receive the loan discharge letter from Navient which I have requested. I have completed all required XXXX Discharge Forms and met all of the XXXX Discharge Criteria and requirements. I will forever be battling XXXX and XXXX for the rest of my life, which requires me to take a low dosage of XXXX on a weekly basis. These XXXX can take away my liberties at any moment. In XXXX I received custody of my XXXX grandson XXXX XXXX XXXX because my son who had primary custody was incarcerated. ( See Enclosed Court documents from NY XXXX XXXX ). I could not afford to take care of my grandson, myself and purchase my required medication needed for my XXXX on my monthly benefit. So, I made the difficult decision to risk my health for my grandson and return to work so that I could provide for him and myself. If not for the responsibility of my grandson I would not have returned to work. I relocated to GA in XXXX. I did not have any contact or receive any documentation from the U.S. Department of Education or their debt Collectors from XXXX - XXXX. Now I receive a bill requesting the Principle balance of the loans, Interest for all the years that I was on XXXX from XXXX - XXXX and Cost and Fees in the amount of {$12000.00}. I dispute these charges because I followed the XXXX Discharge Process and met all XXXX Discharge requirements and criteria. The consistent harassment from the collection agency is causing an adverse effect on my health and emotional security. My wages are currently being garnished and causing me financial hardship. I currently reside in XXXX, GA and have a scheduled Family court date for my Grandson, which I can not afford to attend. I have submitted supporting documentation to the Ombudsman Office for further review. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXXXXXX | ||||||
| 12/12/2023 | Yes |
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| XX/XX/2023 I contacted NAVIENT of my exercising my federal right as a consumer to opt of reporting to XXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Also according to 20 USC 1232 ( g ) b, the Family Education Rights and Privacy Act ( FERPA ), I the consumer have a right of privacy of my student records in regards to any public or private elementary, secondary, or post secondary school. I not only never gave NAVIENT consent to access my private records and personal information, I certainly never gave them authority to share them with any of the non-affiliated consumer reporting agencies including XXXX. NAVIENT is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' NAVIENT- the financial institution, and the consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX and NAVIENT whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' NAVIENT never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. | ||||||
| 07/01/2021 | Yes |
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| XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : SALLIE MAE XXXX XXXX XXXX XXXX FL XXXX, DE ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX | ||||||
| 08/07/2019 | Yes |
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| While in school deferment I made a {$400.00} payment towards my unsubsidized loan on the following dates : XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, even though I did not have a payment due. Each month the majority of the payment went towards my subsidized portion of the loan and I had to call in and request for reallocation of the payment. Even after my XXXX payment was fixed towards the unsubsidized portion, in XXXX I noticed it was reallocated back to both subsidized and unsubsidized. So I had to call again and get the payment fixed. In XXXX I was notified my loans were going back into Autopay and would start back up in XXXX. I requested for the Autopay to take XXXX, and the amount above my required payment ( which was under {$300.00} ) be allocated to my unsubsidized portion. Which I was told I could do. Just before my XXXX payment I got a call from a supervisor letting me know the {$400.00} would be auto deducted from my account and a majority of it was towards unsubsidized as I requested. It did not happen so I made a payment of {$400.00} towards unsubsidized and later had to call back and have the payment reallocated to unsubsidized portion since it was split between both unsubsidized and subsidized. I was told my autopay would start in XXXX with an amount of {$400.00}. I received multiple documents in the mail all stating various dates auto pay would start and various amounts. I actually receive 2 letters in the mail on the same day, both again reporting different information. I called to get clarification and again I was told it would start in XXXX and they were not sure why I was given different information but did see where other employees provided that information within my records. This month ( XX/XX/XXXX ) I logged in and was going to call and make a payment, but I noticed auto pay took {$320.00} out of my account. Again I am getting different information and have been told my auto pay will not start until XXXX, but can not get an answer on why XXXX was taken from my account, nor did any of my multiple documents I received in the mail even mention that amount. When trying to get clarrification on the allocation of the XXXX auto pay that will start in XXXX, that information was not available and I would have to wait until after the XXXX payment cleared. I also received clarification on my account over the phone reporting my terms and conditions have changed and my required payment every month would be XXXX and in order to have an over payment the amount would need to be over 400.00. This is not what I requested, and I have requested for the terms to go back to the original payment plan. I find this unacceptable to receive different information every time I call. It is unacceptable that there website reports any overpayment will go to unsubsidized portion first which has not happened even though I requested for it. It is hard for me to see online, but I have no idea what they are do with my payments in regards to unpaid interest. Which there really shouldnt be any since I was in school deferrement and I continued to make payments almost every month that were above and beyond what my payment would have been if I was not in inschool deferrement. No one should have to deal with this and it has been going on for way too long. | ||||||
| 11/09/2021 | Yes |
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| On XX/XX/XXXX I called Navient to see if I can get a lower payment or put my loans in forbearance due to the Covid criss. I told the rep that currently I am not working because of COVID-19 and also I was due to have my baby around XX/XX/XXXX. I was told by a rep they can look at the options for forbearance to upload a copy of my XXXX and XX/XX/XXXX bank statements and also my XXXX and XX/XX/XXXX bank statements. I called once a week during the month of XXXX to see if they received statements. I was told that they couldn't see my statements and resend and wait. I was emailed XX/XX/XXXX that my unemployment was received even through the reps was saying that they didn't receive anything from me. Even during the month of XXXX I was passed off to different agents about uploading bank statements. I still was uploading them to Navient. I started working with a manager named XXXX XXXX XXXX around XX/XX/XXXX. I was uploading and still it wasn't coming through. I was told to go to the bank and see if they can fax my statements to Navient. The Bank said no. The bank rep tried to help me up load and we started to see that an error kept coming up. The bank rep said it is probably and issue with Navient website. I called XXXX and explained the error I asked was there an email I can send my info to. XXXX said she had to get in touch with her manager and see what can be done. XXXX confirmed XXXX XXXX to email it to XXXX XXXX her manager and she will submit my documents to the director and will get back to me. XXXX XXXX I spoke with XXXX to see if she received the documents she said no. After reviewing the email I discovered the spelling was wrong for XXXX name. I resent documents and was confirmed with XXXX she receive the documents and she will sent to director for review. She said she will get back with me later that day. I didn't hear from XXXX so I called Navient on Saturday XX/XX/XXXX. Navient was closed. I called on Monday XXXX XXXX and was told that XXXX was not in. So I was thrown to several different representatives and was told if I didn't pay {$560.00} by XXXX my account will be in collections. I was told last minute that the director didn't approve my forbearance. I explained that I am not currently getting unemployment. I was told by a rep name XXXX due to my hardship they can offer a program where I just have to pay {$260.00}. I told XXXX since Im not working let me speak with my husband. I called Navient back 5 mins later gave them my financial Information and transfer to a manger named XXXX. XXXX begin to bully and antagonize me over the phone because I'm not working.I felt like she was taking her own opinions out on me. I trying to explain my situation and she said the only thing that can be offered is interest only at {$500.00} and if I don't pay the full amount today ( XX/XX/XXXX ) my account will be reported to the credit bureau.That is the only option she gave me. I hung up and called back an hour later. To save my credit I enrolled in the program with XXXX. Honestly I can't afford this. I couldn't even afford to make the whole payment but just {$250.00}. I was told this will come off my credit report but takes 30 days to do so. I am not receiving Unemployment nor I am working. I am trying to work with Navient but they are not doing anything but giving me the run arounds. | ||||||
| 01/19/2017 | Yes |
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| I read the Press release today regarding the systematic and illegal activity Navient has participated in and I know I have also been a victim of their unscrupulous practices. I 'm sure you guys have all kinds of people coming out of the woodwork looking for some kind of payout they do not deserve. I implore you to think of this complaint differently. I am not in default and have never defaulted on a XXXX XXXX - Navient loan. I currently pay close to {$2000.00} a month in student loans for my XXXX education, which is roughly 43 % of my take home monthly income. I have had many issues over the past years and will summarize them here. First, I was encouraged to go into forbearance rather than being offered an affordable repayment plan. Then, I was put on a repayment plan where I paid the amount owed for 2+ years and my principal balance was actually higher than when I started repaying the loans. I had automatic withdrawals set up and when my interest would fluctuate up by a few pennies, the full amount was not withdrawn and then I was charged late fees for the unpaid pennies. I called countless times to try and figure out what was happening and each time there was no resolution. I was beside myself and felt helpless. I was even told one time that my payments were being received and were not being applied to principal/interest as it should, that part of my payments were being held over for future payment. I am not certain what the truth is because each time I would call over the years I would get a different, and less than helpful explanation. The years of anguish I have endored has been very defeating and frankly has had a very negative impact on my quality of life. I tried to escalate my complaints and struggles numerous times to no avail. I still currently owe over {$150000.00} and have been out of school since 2008. I do not believe I have ever missed a single payment, even though at times it was difficult for me to find money left over for food, gas and other essentials. I have felt strongly over the years that what was happening to me just was n't right. Having a XXXX XXXX, I 'm a bit embarrassed to admit it, but I just did n't know what to do or who could help me. I consolidated about a year or two ago and chose Navient because they already had other loans, so I thought it would be easier. Boy was that a mistake I have grown to regret. They provided me incorrect information on a number of occasions and I had to call many times to try to get to the bottom of it and I still not convinced this was done properly. Th last part of the allegations I read that hit a nerve was the piece around the co-signers. XXXX of my several loans have co-signers and I have asked repeatedly if they could be released. I was told that they signed the contract and that it was n't possible. I am still unsure if it is, however when I read the press release I thought perhaps it could be. I would most certainly wish to do that if possible. You may need to forward this to Navient and they will probably find no wrong doing on their part, however I ask that you, the CFPB investigate my loan history and decide for yourself if I was treated fairly and provided with the necessary and correct information in order for me to make informed decisions in my best interest. Thank you for the work you do! | ||||||
| 01/19/2017 | Yes |
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| In XXXX of XXXX I was received a call from Navient about a payment being late, in which I had a payment plan setup with them on multiple private loans. At the time was paying about {$160.00} to what which was explained to me would cover ALL of my private loans ( including the Smart Options loan ) with them. The payment was schedule to be drafted directly from my checking account, which they explained to me they could not use a valid debit card that was connected to the same account. On this date in XXXX XXXX ( I think it was about XXXX/XXXX/XXXX ) I was informed that my checking account payment did not draft properly, the agent on the line told me to contact my bank and check to make sure I 've given Navient the correct routing and account # s. I followed their request which both the account and routing numbers were correct as given to Navient. My bank informed me that they did not see any transaction being initiated between Navient and my bank. So, the agent suggested that they had to try the bank account again. This issue continued for the next couple of months. Which cause my account to go into up XXXX+ days late. I would get a call every month about the payment not drafting from my bank account an repeat the same process. One agent told me that she would schedule a reminder in her calendar so that she would make sure the payment did n't become late but I never received that call. Finally months later after speaking to several supervisors they accepted the payment with a debit card. To which resolved the issue for a few months. We were on the same payment plan that we were told to pay $ XXXX/month which would cover payment on all private loans including a Smart Option loan as well. So in conjunction with the previous issue, they would pull monthly the {$160.00} until I received a call from Navient expressing to me that the Smart Option loan was delinquent over 60+ days. It was expressed to my wife and I ( she would call in also, she had my authorization to do so ) that the payment plan we were on covered the Smart Option loan as well. This caused multiple loans to become late XXXX+ days which caused my credit score to plummet. It 's truly frustrating because during this process I was working to build my credit so that I could purchase a home in a more safe neighborhood for my young family. I 've contacted Navient on this issue to ask if I could get the late payments remove only to have a supervisor tell me that she could talk with my bank on the phone to verify if the drafts never showed on my banks side. I called my bank and they explained they can not talk with a third party over the phone but they could fax in the information to show proof of sufficient funds and no drafts pulling from Navient. Navient told me they can not receive a fax from a third party. This same supervisor then told me I will have to send a letter in to their office and maybe they will remove the late payments. I 've contacted the Navient office of customer advocate back in XXXX XXXX and I still do n't have a solution for my case. I actually see where they have done a hard inquiry on my credit report around the time the advocate contacted me for some information. At this point they have cause tremendous financial damage and they want to paint it as if I was negligent in my dealing with not paying.. | ||||||
| 03/05/2017 | Yes |
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| I attended the XXXX which is located in XXXX, PA in XXXX of XXXX. I attended a class for XXXX months and finished in XXXX of XXXX. Which I believe this vocational/technical school no longer exists. Anyhow I had taken out a student loan with XXXX which is now navient. At first I was making payments towards my loan efficiently via mail and electronic on their website. But something did seem off now that this lawsuit against them has been filed. Thinking back while making my payments, every time I have received a bill, the amount seemed like I owed more, and the payments I was making did n't seem like they were taking effect with the balance of my amount due. At a point with making payments I declared a forebenece. In which I couldnt make payments because I was not working at the time and it was granted for 3 months. After 3 months I still was n't in the working field so they granted me with another 3 months of forebenece. After 6 months I have n't not received any type of letter or information regarding my loan. Then after a few years when XXXX converted into navient, I then received a letter regarding the conversion of the companies, but no information regarding my student loan and the amount I still owed. Maybe a few months to a year later I still did n't receive anything about my account, I then tried to log into my account online on their website. Since it has been awhile since I logged onto my account at this time I had to reset my password and everything. When I was trying to do so and providing the information that was needed, it kept telling me that there was no record of my information and I had no account. I believe this happened in XXXX I may be wrong. At this point I still havent received any information regarding my account until last year XXXX. I started receiving phone calls at random times of the day which I could n't answer due to being at work and everytime I did try and call back the office was closed. They basically were harassing me via phone but yet did not send anything via mail. Until they did send me a letter in the mail threatening me that they were going to be taking me to court or take a percentage out of my paycheck if I did n't make a payment. Still I had no information of how much I still owed. Then I did contact them via phone I set up a payment plan I started paying however I was not recieving a bill, receipts or anything. All I had was a phone number to make a payment. After a payment of {$260.00} I had made, I sensed that something was n't right so I did n't make another payment. Even with my first payment I have not received a receipt or any bill for my remaining balance. Now that I am working this company had found out what company I am working for and is taking a percentage out of my check that I work very hard for. Still till this day I have not received any type of letter regarding my account balance that 's due. Now just 2 weeks ago I filed my XXXX tax return. Today I just received a letter stating that this company will be interfering with my tax return payment. Which I am very highly upset, because I am very well depending on my tax return check for other personal reasons. For them to interfere with what I worked so hard for for a lousy company that is terrible for NOT sending any type of information about my account is disgraceful. | ||||||
| 02/13/2020 | Yes |
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| In XXXX, I became permanently XXXX and was on XXXX by XXXX. I never got anything in the mail until after my whole ssdi check was taken by law firm stating default on loan payments and until paid they will be taken out of my ssdi and i got on the phone and spoke to this law firm and they told me i was defaulted on A loan when i was actually in Forbearance, so after XXXX and more stress and worried about living without a check, they talked to me for hours and finally allowed XXXX month taken out of my bank account since XXXX and when they sold it to another company which then was XXXX XXXX XXXX they continued to take XXXX but i still got calls from those companies stating interest and fees Ill never pay the XXXX loan off and i would say well you said u dont have anything for those who are permanently XXXX like my other loans each time said no this is completely different So in XXXX my account should have dropped plus i noticed it was not and hasnt been showing on my credit report that i have a loan or made payments monthly since XXXX. Also when i discovered that this loan absolutely could have been written off i called and first i asked if they had anything to help some type of program for permanent XXXX she said no thats when i said well my lawyer said incorrect then she said oh Ill mail it to you now and i said i already mailed it in and reported you to the department of education and consumer complaints and 4 months later loan sold off to another company and they stopped taking money out of my account - i got calls from collection agency stating i owe on this loan i have not paid anything since XXXX and its been in default for A while which is not good for your credit. I said i have no idea what your talking about send me information and i also said this has been paid on since XXXX and current. He said no u are in default you stopped paying on this loan in XXXX and now we are attempting to collect. Then explained Im permanently XXXX and this should have been written off and they said well you really want to put this on your dad to pay he is your co signer i said he is permanently XXXX and has been my whole life so good luck but wanted money from me and i refused. I got 2 letters in the mail one for me and my dad offering us each to pay XXXX and one of us who takes the settlement will be removed from this and then the other one repays the loan and if agreement to settlement then we can not discuss any claims or actions and they will not take any liability for any claims made against them. Again they also have never had proof on my credit report that i paid on time since XXXX of XXXX which is when they sold it and stopped accepting payments. XXXX was when they had A debt collection lawsuit hired law firm and took my whole ssdi check Collection letters, high interest rates and fees also harass me about more money and i even told them i have XXXX and i can not be stressed out that many times Ive had one on the phone and also sent to the hospital over loan in fear i was in legal trouble Was never given any options and now i have XXXX XXXX XXXX XXXX calling and sending letters on behalf of Navient My bank account will prove that i never stopped paying and it was taken out monthly Also credit report shows nothing of this loan or debt owed or paying monthly - nothing at all. | ||||||
| 03/21/2017 | Yes |
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| I enrolled at XXXX for one semester ( XX/XX/XXXX ) I received a grant for that semester. After dis enrolling I received a XXXX Check for XXXX. I went back to financial aid and asked what the check was for and what to do with it. They said it was for the next semester but since I dis enrolled just do n't cash the check. So thats what I did. Months later I started getting late payment statements from Navient ( account # XXXX ). I had never heard of Navient and had know idea what was going on. After calling numerous times, because every time I called I just got recordings. I finally talked to someone who told me I owed on a loan. All they could tell me is I signed a promise agreement and they wanted me to make payment arrangements. I told them I need to fid out what is going on before a pay anything. I went back to XXXX and talked to XXXX XXXX XXXX ( XXXX ). She confirmed that I owed the school nothing but to check with Dept of Eductation to see about federal loans. ( Which I did, and they confirmed I am not in default ). XXXX said what probably happened is the check did n't get processed as a stale check. Usually when a check is not cashed it is reported as stale, then they re-issue a check. Then it is re-distributed into the school system. Since the check did n't get reported the bank thinks it was cashed. Now that the check is expired, what I should do is call the bank and have a new check re issued so I can Navient. So I call XXXX, who confirms the check had not been cashed and with lots of being passed around to different people they finally re issue me a check. I call Navient back and tell them what is going on and all they can say is I better hurry up and pay because my balance goes up XXXX each day. At this point know one can tell me why I owe money I have n't cashed yet. When I get the new check, I take it to my bank to cash ( XXXX, XXXX location ) even though I still am confused by why I have to cash this check. The Bank then informs me they are confiscating the check because it is fraudulent. I feel almost relieved because none of this has made scene to me. I ask the bank what now. They say they will make a case. weeks later I am still getting calls from Navient that I owe then. Even after I have called them back and told them the check was taken by the bank. They still just want their money. Money I have not taking. Though no one can tell me where it has gone. And the bank its self can say it was n't cashed. Now on XX/XX/XXXX I get a letter from my XXXX account saying they have decreased my limit because of serious Delinquency 's. I have never been late on my account. Waiting for my credit report but I 'm sure it 's from this student loan issue. On XX/XX/XXXX, I again called Navient and tell them that the check was taken as a fraudulent check. This time they say they will check with XXXX frued. dept. And it does seem weird I would owe if the check was never cashed. But then They ask me if a can make a {$140.00} payment. I tell them no because no one can tell me why I owe money. I feel like Navient or XXXX has done something and I 'm stuck with the bill. I have included a picture of the check XXXX took and a summery I wrote them. I also included my semester summery with notes I took from The college. This is a # of some higher up at Navient I spoke with ( XXXX ). | ||||||
| 12/22/2018 | Yes |
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| I am a XXXX Veteran and I'm XXXX that is apart of the XXXX XXXX XXXX XXXX XXXX. I was falsely misled that my XXXX and my XXXX would of taken care of my education now i am stuck with this debt. I have attached the action suit against the school. On Thursday, XX/XX/2018 the Department of Education announced that theyre immediatley approving {>= $1,000,000} in Borrowers Defense to Repayment Discharges, including discharges for people who attended XXXX XXXX. This email is from the XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and contains an update about the students claims in the XXXX bankruptcy. We are writing to let you know that today, the Bankruptcy judge gave final approval to the Settlement Agreement between Student Claimants and the XXXX Trustee. The court will grant the final order approving the Settlement in approximately ninety days, assuming no states or the U.S. Attorney General file an objection to the Settlement. The Students allegations against XXXX included XXXX use of high-pressure sales tactics to get students to enroll and remain enrolled, and that XXXX deceived and misled students about financial aid options and costs of attendance, job placement and salary rates, the quality of equipment and experience of instructors, the desirability of XXXX graduates by employers, XXXX accreditation status, the transferability of credits, and career placement assistance. The full settlement can be found here, but as a quick recap, some key terms of the settlement are : Student Claimants get an approved {$1.00} billion claim in the bankruptcy. In exchange, former XXXX students give up their claims against the estate of XXXX, and keep their rights to seek further relief from the Department of Education and private lenders ; Over {$500.00} million in student debt held by XXXX is canceled and that cancellation will not be taxable ; and The Trustee returned the {$3.00} million that students paid directly to XXXX after it declared bankruptcy ( this already happened ). At this point, we do not have any information about any distributions to the student class from the approved claim amount. If, at the end of the bankruptcy, there is money in the estate to pay unsecured claims, the student class will receive a proportional share based on the size of the allowed claim. Any amount distributed to the student class will be divided fairly, and the distribution must be approved by the court. This is a significant victory for students, but we know that there is so much more work to be done. We know that students still have billions of dollars in outstanding federal and private loan debt as result of attending XXXX and we will continue to fight on behalf of students until all XXXX-related debt is discharged. There are no other updates at this time and no action is required on behalf of class members, but as always, we will continue to provide you with any updates as they arise. Sincerely, The XXXX XXXX XXXX XXXX XXXX This email is from the XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and contains an update about the students claims in the XXXX bankruptcy. This email is to provide you with an update about claims against XXXX, and does not create an individual attorney-client relationship or provide individual legal advice. | ||||||
| 01/23/2017 | Yes |
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| I have 5 complaints : ( In chronological order ) 1. I do n't recall what year it was, but I called Navient about the XXXX Forgiveness Program, but Navient said to not worry about it because part of my loans were consolidated with my wife and therefore could n't be forgiven. That ended up not being true, since part of my loans were not consolidated. I now might be getting around {$3000.00} in forgiveness which is what is left on my loan, even though I qualify for {$17000.00}. If I qualified before, then I would have had more of my loans paid off earlier. I do n't remember when I called, but Navient might have a record of the call. 2. XXXX day when balancing my checkbook I noticed that the amount deducted for my student loan was less than the automatic payment. I did not request such a payment reduction so I called to have my payment increased back to what it was. I knew that a lower payment would increase the life of my loan so I did not want that. 3. When my wife and I both decided to officially apply for the XXXX Forgiveness program in XXXX, after my wife recommended I try, we received a note that forgiveness would n't take place with any money that was borrowed before XXXX XXXX, 1998. It was disappointing since the amount before 1998 was about {$5000.00} and the amount it was consolidated into was borrowed after 1998 and was about {$47000.00}. I do n't know if this was Navient 's issue, but it was disappointing. We consolidated to fix our interest rate, so we have been penalized for trying to be smart with our money. 4. My next complaint is the most ridiculous. In the XXXX Forgiveness application my employer listed my ending date as " Present ''. Navient contacted me that this was unacceptable and I would have to have my employer put an actual date and have my employer initial the change. However, just below the " Present '' was my employer 's signature with the date he signed the document. So I had to call a supervisor at Navient to accept the application " as is '' since the date at the signature area indicates a " present '' date. It was so upsetting that I had to call about this, and the supervisor said they would accept the date since there were notes in the computer that " present '' and " current '' should be accepted. I can guarantee that there are numerous applications that have gone in before mine and I 'm not the first applicant to have the word " present '', so my application should n't have been put on hold ... and my last complain is why I think Navient is trying to stall Forgiveness Applications. 5. Currently my application for forgiveness is being processed, so Navient put my account into an automatic Forbearance until the application can be reviewed ... however interest still accrues. That would n't be a problem, accept Navient suspended my " interest discount '' for automatic payments since my account is not being paid while in Forbearance, even though I never asked for the automatic payment to stop and Navient is delaying my application with the word " present ''. So after Navient probably figures out a way to deny my application, I will have a larger payment from the larger interest rate. I hope these all made sense and I hope that someone in a higher position can change these bad practices for future loan borrowers. Thank you for listening. | ||||||
| 08/07/2018 | Yes |
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| Below is the email I sent to Navient : I called in XXXX of XXXX to inquire about doing a forgiveness settlement, I was told to call back in a few days to let Navient know my proposal and to make a large settlement payment. I was able to beg & borrow {$2000.00} from my family to make it happen, I was so excited, you see, I got these loans in XXXX for {$2600.00} and in XXXX for {$3800.00}. Unfortunately, I couldnt make timely payments for an extended period and it jumped up to XXXX, over still, my fault and all I could do make the payments, which I did. After years of steady payments, I got it paid down to XXXX, when I read an article about a forgiveness settlement, with Navient. I called right away to inquire if I was eligible, I was told to call back when I could make a large payment, I did and was told again to call back in 30 days to see if it was accepted. I called in XXXX and was told Yes! Its all done, dont worry about the loan. I was so happy. But today I got a call telling me 7 months later, that no, Navient doesnt do forgiveness settlements. I would have to pay about {$650.00}, to make the loan current or I could go into forbearances, which of course adds to the cost and longevity of the loan. Also, I would have to pay the interest thats been compounding daily, the customer service rep told me it was only XXXX dollars. She told me she did see all the notes on my account, but sorry nothing we can do. At that point I asked to speak to a supervisor, which I did. XXXX XXXX, she told me yes, she sees the notes, but theres nothing she can do other than offer to refund my {$2000.00} ( which only puts me deeper in debt ). I disagree, there were 3 opportunities, in which I could have been simply be told no, we dont do settlements. Its my belief that Navient is now in breach of contract, they verbally agreed to a settlement, and accepted a settlement payment, and Navient STOPPED my auto payment, that was not stopped by me, the which my account notes support. I dont know why 7 months later, theyve decided to collect after all. I look forward to speaking to someone regarding this matter and to quick resolution. After sending the email above I received a phone call from the " consumer advocate '' at Navient, XXXX at XXXX XXXX. She told me that she had pulled all the phone conversations I had with Navient in XXXX & XXXX XXXX, and heard my request for a settlement, but only after I had made the XXXX payment, I told her, I can't explain that, I remember it differently, but really no matter, they still had several opportunities to tell me no, they don't " do '' settlements, but they didn't. All she repeated is how they can't help me and how I didn't ask until after the payment, but I don't agree that has anything to do with them telling me I have a settlement if I didn't. Another source of frustration is that they didn't call for over 7 months, when there was lots more interest accumulated, why not call when I missed the 1st payment? My email account with Navient went unchecked since that was my only active bill associated with my previously married name, and I thought my account was settled. Essentially Navient took my XXXX that I told was a settlement and paid a few months forward, Navient cancelled my auto pay, then started the interest building, without contacting me. | ||||||
| 09/01/2022 | Yes |
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| I have been XXXX for the XXXX XXXXXXXX XXXX since XX/XX/XXXX, and paying on my Navient student loans every month of my XXXX employment. Unfortunately, the loans were loans that didn't qualify for forgiveness. Then, the waiver changed all that ( yay! ), and I had well over 120 payments while working for the XXXX XXXX ( an approved employer ), and so I applied for forgiveness under the waiver and on XX/XX/XXXX my consolidation was completed through XXXX XXXX XXXXXXXX. On XX/XX/XXXX they notified me that they received my PSLF application. On XX/XX/XXXX my qualifying payment update letter gave me credit for one payment. On XX/XX/XXXX I uploaded my entire payment history with Navient for them, in an effort to speed things along. On XX/XX/XXXX I received another qualifying payment update and was updated to 30. I called XXXX XXXX XXXX on XX/XX/XXXX and spoke to XXXX # XXXX and she told me that everything looked good on my end as far as qualifying, but it would just take time. I told her it had been NINE months and even the XXXX support group was saying this is excessive. She reiterated that I was still in the process of getting my count done and to just hold tight. On XX/XX/XXXX I emailed the Office for Consumer Advocacy hoping for assistance. On XX/XX/XXXX I was notified by XXXX XXXX XXXX I would be TRANSFERRED to XXXX even though I had been waiting since XXXX for my count to be complete and for complete forgiveness. On XX/XX/XXXX my loans were transferred to XXXX and I was notified that they would show up there on XX/XX/XXXX. On XX/XX/XXXX The Office of Consumer Advocacy FINALLY responded, apologized for the delay, and told me I had been transferred to XXXX, which I already knew. I responded that this was not helpful. They responded that they can't help me, to call XXXX, and also told me " your account was already reviewed under the Limited PSLF Waiver, and therefore can not be reviewed by us, or XXXX, under the waiver again. If you still believe your payment count is not correct. you may formally submit a request for reconsideration to the U.S. Department of Education ( the Department ) ; this is the process for borrowers who wish to request a review of prior decisions regarding qualifying payments or employment eligibility. By submitting this request, along with any supporting documents, the Department will review your payment count. '' XXXX has not ever told me the count was complete, I have no letter to that effect, so I have asked the Office of Consumer Advocacy how I can confirm that the count has stopped at 30 and isn't still in process. I am awaiting a response on that. I do not know if that is true, because I would think XXXX would have sent a letter or some indication that the review by Dept of Ed was complete, and they haven't.. XXXX can't help me until XX/XX/XXXX because my loans won't show up there until that time. Further, on XX/XX/XXXX I submitted a complaint on the studentaid.gov account AND included my proof of paying over 120 loans ( uploaded as Navient Account History, which I downloaded directly from the Navient site ). It has been over a month that the case is " in review. '' Please help me. Please, please help me get an answer as to why I have only 30 of my 120 payments listed as qualified under PSLF and TEPLSF and no further communication. | ||||||
| 10/07/2015 | Yes |
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| I was always an A student. When applying for colleges, I applied to about XXXX colleges in the XXXX and XXXX in XXXX, as I am a dual-citizen. I was accepted to all but XXXX and was given minimal financial aid to a few XXXX most did not offer financial aid programs XXXX. In the end, I chose to go to XXXX because it was going to be the cheaper option XXXX $ XXXX versus the XXXX XXXX colleges were looking for, even after financial aid kicked in ). I only " qualified '' for approximately {$12000.00} in Federal Loans, so I had to look to private loans to finance the rest ( I am XXXX of XXXX children, so my parents could not pay for my college tuition ). Fast forward four years ( and XXXX degree later ), and I have {$12000.00} in Federal Loan debt and a whopping {$61000.00} in private loan debt through Navient ( formerly XXXX XXXX XXXX. My parents were able to pay {$500.00} a month while I was in still college to keep the interest off, but it did not affect the principal amount. After I graduated, I took the responsibility off of my parents and I began paying the loans myself. I got a job that paid {$33000.00} a year, which, after taxes, lands me {$1900.00} a month. Unfortunately for me, Navient wanted {$900.00} a month in payments. I called to have them lower the payments ( I was willing to accept a longer payment term and, therefore, more money paid in the end ), but they could only bring me down to {$450.00} a month ( and this is an interest-only payment plan, meaning I am not making a dent in the principal amount ). I pay {$850.00} a month in rent, about {$100.00} in utilities, {$50.00} in medical expenses, {$110.00} for public transportation, and let 's not forget the {$140.00} a month Federal Loan payment. This leaves me with {$190.00} dollars to live off of for the month ... in New York XXXX. When I tried calling Navient to have them lower this again, they told me I was " not eligible '' for a lower payment plan. I asked them to put me through to the department anyway, and they put me through to their main customer service number, initiating a vicious cycle of holding for various departments. I have called twice a week for a few weeks now in an attempt to speak to someone in the department that assigns lower payments, and I have had no success. My last payment of {$450.00} was due on the third of this month and I was unable to pay it AND unable to speak to anyone at Navient about my inability to pay it. When I have called and said that I am financially unable to make my payment, they again put me through to the main customer service line. All of this frustration drove me to look at options for refinancing. Even if I ended up with the same payment in the end, I was hoping to find a company that was willing to work with me or, at least, answer the phone. I have tried to apply to several refinancing services ( XXXX, XXXX, XXXX, etc. ) and all have the initial requirement of attending at least a United States college ( if not a college from a specific list, as XXXX requires XXXX. Apparently, the fact that I am a United States citizen and that my loans is with a XXXX XXXX company is not enough to qualify for refinancing. It feels as though I am unable to find a company to take my money ( I have accepted that I will be paying XXXX more than I borrowed in interest ). | ||||||
| 04/12/2019 | Yes |
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| Here 's a wish from a " XXXX XXXX XXXX XXXX. '' Dear Madam or Sir at CFPB, Please help me relay this message to Mr XXXX, Mr XXXX, Mr. XXXX, Mr. XXXX, and Mr XXXX ( and others ), who are all intelligent human beings leading innovation and reform. I'm sure Mr XXXX XXXX would have agreed that with their combined IQs, surely they could help to figure something out. After all, what is a country if not a company, and its citizens if not employees sharing our patriotical and patriarchal leaders and billionaires values and goals! I am a long standing customer of SallieMae/NAVIENT Solutions ( XX/XX/XXXX - XX/XX/XXXX ), the XXXX XXXX XXXX : http : //www.navient.com. I'm trying to be more vocal on different platforms but moderators are constantly deleting my accounts and posts. I get there are rules and regulations, but where else can anyone be heard without being silenced or prosecuted? In efforts to drive their stock prices high and keep their shareholders happy, their qualified employees knowingly gave me and countless others bad advice. They placed me in forbearance 's and deferments when they should have offered me and others solutions such as IBR plans and PSLF. This did not help me whatsoever and now they are spamming my phone to get me on their side, and if they are left unchecked, " help '' me and others into more debt : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company and its subsidiaries are operating in bad faith ( if you are religious ) and doing more harm than helping. I can be naive and hope that everyone is working hard to do and be their best, but how can anyone protest against a group of individuals that only answer to money, and backed with unlimited resources? Should I not encourage others to sell everything ( ETFs, mutual funds, etc.. ) that Navient and its subsidiaries are associated with to fix a broken system? If this was proposed to others in my situation, they would rally and help this company 's stocks to 0.000000000 to help this bully just as much as it's " helped '' them. Reform in the only language it understands, $ $ $!!! Please help me convey this message to other and all social media before it gets more out of control. Make an example of NAVIENT. Their shareholders and employees should feel the pain of their AMERICAN CITIZENS ( emotional distress and duress ) and ensure millenials don't die before their parents! Over dramatic? Mr XXXX resigned in protest for a reason. This is the greatest country on earth yet where is the Justice in all of this? If this country expects us to be the best, then to help everyone, this is what millions of American citizens in my situation would call the ULTIMATE PUBLIC SERVICE AND LOAN FORGIVENESS ( PSLF ) program. The BEST for EVERYONE, but at the end of the day we want more MONEY, not justice, fairness or inequality. " Hippocratic school : " Practice two things in your dealings with disease : either help or do not harm.. '' - I would rather you help, because one good deed rewards another! In fact, this can help spread an important message of helping 3 other people, and passing it on, instead of saying ... Thank you! | ||||||
| 07/09/2019 | Yes |
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| Hello, Today ( XX/XX/2019 ) was the 3rd time I called Navient about my loan issue. I made a payment to Navient on XX/XX/2019 in the amount of {$81.00}. On XX/XX/2019 my loans were transferred to XXXX. XXXX has since been charging for the month of XXXX payment which I have already paid to Navient. I called XXXX and explained that I had already made this payment and they told me to speak to Navient about it and have them transfer that information to them. I called Navient and explained what XXXX had told me and Navient stated they would refund me the {$81.00} and I will then make that payment to XXXX. While on the phone with Navient, they told me they requested for me to get my refund and I should get it in a few weeks. When about a month went by and I didn't receive a refund, I called Navient back and the agent told me they saw no such request in my account and she went ahead and made another request for me. She stated that I would get my refund by XX/XX/2019. When XX/XX/XXXX passed and I still had not received my refund, I called Navient ( Today ) and I spoke to an agent by the name of XXXX XXXX, code number : XXXX I explained my situation to XXXX and told him that I had not received any refund. XXXX put me on a brief hold, came back and explained that I made a payment with Navient for the month of XXXX and that I have a XXXX balance with the company. As I tried to explain to him that I understand I have a XXXX balance but XXXX didn't receive XXXX 's payment he refuse to let me talk. He cut me off and began to speak over me. I told him that I allowed him to explain the information he got and told him to let me explain what XXXX told me and he cut me off again, spoke over and put me on hold as I was speaking to him! I asked to speak to his supervisor which he explained that she was sitting right next to him. The supervisor 's name was XXXX ( female ), code number : XXXX. XXXX came on the phone and explained what was going on with my loans and I told her that I would like to make a complaint how rude and disrespectful XXXX was to me. I explained that I have never gotten such terrible customer service from an agent. I asked her for a phone number to file a complaint and she did not give it to me. She said I can file it with her. She then went on telling me that I no longer have an account with Navient as to explain why I want to file a complaint or why I can't file a complaint. I asked her for the name and number of her superior and she did not give it to me. I asked her for her last name which she denied and then I asked her for her code number which she gave to me. She would not give me any other information on how to file a complaint and went on saying that we could call XXXX together to speak to them about this payment. I agreed but ended up ending the phone call because I was too upset to speak. I went online and found a number to file complaint about these unprofessional agents that I had just spoken to and to see if someone else could help me fix this issue. I called XXXX and was given this website to file a complaint. I had been with Navient for many years and made payments on times, each time. I had NEVER felt so disrespectful by any agent ever in my life before. The way that those agents spoke to me and their lack of professionalism was disgusting! | ||||||
| 08/04/2015 | Yes |
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| I have two issues. Issue # 1 is that their email billing is designed to cause you to incur late charges. They do n't send bills to your email until you are already overdue, and they have already charged you late fees. Apparently this is an issue with them, because they were legally compelled to send refunds of late fees last year. I 've had to request paper billing three times, and hopefully the girl I talked to today, XXXX, will actually follow through and make it happen. If they are going to make it so difficult to get onto paper billing, they should at least notify you of bills before they are overdue - it 's a total scam. Issue # 2 deals with my phone call with them today. I am currently unemployed. I called asking about forbearance. The gentleman I spoke with was not a XXXX XXXX speaker, which may have contributed to some confusion, but he lied to me and then attempted to enroll me into a monthly payment program without my knowing. When I asked about forbearance, he gave vague and conflicting information, telling me first that I had XXXX months total forbearance available, later telling me there was only XXXX months. Of course, it turns out there is up to XXXX months. He then told me that it would be better for me to pay the $ XXXX monthly payment in order to bring my account current, since forbearance would run out in XXXX anyway, and it would be better to retain the ability to use forbearance should I need to use it in the future. I agreed to making the payment now, and gave him my banking information. He then said he had to transfer me to an automated message which would explain the terms and conditions of the transaction, and that I should hit the # key after the message. As an aside, their message system has only the options to accept the terms and conditions or repeat the terms and conditions. What if you do n't accept, or got bad information ( like me ), and want to speak with the representative again? Eventually the system says that I had not hit a valid button within the time limit, and it transferred me back to the representative. Turns out that he was trying to enroll me into a monthly payment program, not take a one-time payment. I told him that was not what we had talked about and I was no longer comfortable dealing with him, then asked to be transferred to someone else. He kept trying to sell me, and I told him that I was not comfortable with him and that he could transfer me or I was going to call back and get someone else. He kept talking, and I told him I was not comfortable and hung up. After calling back, I got a girl named XXXX, and started the process over again. I got up to asking about forbearance, and she said she could enroll me in a program that would bring me current and yada yada yada, then paused, like someone was talking to her, then told me that, sure, she could arrange forbearance. She was helpful, and correctly informed me that private loans are subject to different conditions than federal loans, and explained that there is only XXXX months of forbearance available. She took my {$50.00} " good faith '' payment and told me the next payment would be due in XXXX, but that I can arrange forbearance again at that time. She also assured me that she would personally make sure that I received paper billing from now on. | ||||||
| 08/27/2018 | Yes |
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| 1. ) Navient created obstacles to repayment by providing bad information, all along the way ; since day one. Essentially, I was given no information, given loans with co-signers, and there was no discussion as to how the debt would/could affect me. I was sold the dream that I would find a dream job after graduation and somehow be able to afford these crazy, high amounts of monthly payments ... Even if I made XXXX a year, how is one supposed to financially survive?? Unless graduates live with their parents for the next 20 years, this is unreasonable. I was lied to and told the repayment would be manageable. 2. ) Navient failed to act when I complained about the high monthly monthly payments in 2017. They literally gave me no options or routes to take in order for me to be able afford monthly payments. Navient purposely withheld SO MUCH information that was neccessary and required ... Is this not illegal? 3. ) Illegally cheated a struggling borrower out of my rights to lower payments, which caused/is causing possible over payment of student loans. I was NEVER offered the ability to apply for an Income Driven Repayment plan, or any other type of plan. While in school I was told to fore-bear payments and then when I graduated I was told that there was nothing that could be done, since I had already opted for forbearance previously. I was told the monthly payment is what it is and I need to start paying. I had to jump through hoops to get my IDR processed, and even then I was threatened that if I was late, or dint keep my info updated, I would have to pay my balance in full. My parents ( co signers ) and I sat on the phone with Navient for hours to request an IDR. 4. ) Deceived private student loan borrower, myself, about requirements to release their co-signer from the loan. See below ( # 5 ) for additional information. I have never been given information about releasing my co-signer, I was specifically told by Navient that this could not be done on several occasions. The last occasion being XX/XX/2017. 5. ) Harmed the credit of myself, the borrower, and my co-signers without being given adequate information. I was told I HAD to have a co-signer, yet I was NEVER told that this would harm their credit, or that I would never be able to remove them as co-signers. This negatively impacted my co-signers clearance and I was never told that this could happen. 6. ) Never given information regarding XXXX, co-signers, payment options, etc. Isn't the job of my student loan servicer to help me understand my available options with regard to my student loans??? I even tried to enter a loan forgiveness program but it took such a hard hit on my credit and my cosigners credit I had to opt out. Per clearance regulations, credit is a main factor, this put my job at risk! My livelihood could have literally been stripped away from me and my loan servicer would not have batted an eye or offered help! 7. ) Navient improperly directed me, on more than several occasions, into forbearance when I otherwise might have qualified for income-driven repayment plans, and did not adequately keep me in informed of IDR deadlines to maintain their eligibility under such plans. Who does that? 8. ) Navient gave me loans, seeing/knowing that I was likely to default due to lack of income. | ||||||
| 08/01/2015 | Yes |
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| Navient School loans. My husband and I are currently unemployed. I called Navient on XXXX XXXX, 2015 and spoke with an agent in XXXX or XXXX. I gave him our Monthly income and expenses. He quoted me an offer fora Term and Rate Modification Program at an interest rate of 3 % for 15 months. Monthly payments would be {$280.00}. I told the representative I just did not know how we could cut {$280.00} from our expenses. He said he only spent {$100.00} per week on food and we could probably cut our food expenses. He also suggested that we cut our cell phone expense of {$170.00}. I explained to him this expense included XXXX cell phones and one home phone. I certainly do n't think someone living in XXXX has any knowledge of the cost of living expenses in the United States. I felt this comment was totally inappropriate and I was very offended. I told him we would get back in touch with Navient on XXXX XXXX, when my wife was here. Navient called us on our home phone and cell phone XXXX times a day. Sometimes, the message would say this is XXXX call me at XXXX, would not say what this pertained to. On Friday, XXXX XXXX, 2015 we called Navient, ask to speak to a supervisor, a supposedly domestic agent. It took a long time having to go through many phone prompts until finally I got a representative in XXXX. I ask him to transfer me to a supervisor, a domestic agent. He put me on hold, came back on and said I can help you the same as a supervisor. I told him again I want speak to a supervisor, a domestic agent. Finally I got a supervisor, a supposedly domestic agent name XXXX XXXX. He ask why we wanted want to speak to a supervisor. That the representative could tell us the same. REASON we did not want to speak to a representative was they gave us conflicting information about the loan. The domestic agent, supervisor offered us this program for XXXX months at {$280.00} as opposed to {$280.00}. The supervisor said, we would be charged an interest rate of around 13 % for the first XXXX months then the interest rate would be 3 % for the remaining XXXX months. This contradicts what the representative told us. They would not allow us to pay on line said we had to make automatic credit card deductions monthly. We agreed to these terms and electronically signed the appropriate papers on XXXX XXXX, 2015. As of today 's date XXXX XXXX, 2015 we are still receiving phone calls at home and on my cell XXXX times a day and the new rate and terms have not gone into effect. Our next payment is not due until XXXX XXXX, 2015, but my account show I am past due on my payments. I feel as though since I signed the forms with the new terms on XXXX XXXX, 2015 and agreed the due date would be the XXXX of each month that we should not be receiving any more collection phone calls from Navient call center. And, I never received a copy of the documents I signed or the new terms. If Navient can reduce student loans from 13 % to 3 % this should be permanent especially when people are in a financial bind. I 'm having trouble with how payments are being handled, received bad information about my loan, keep getting calls about my loan, having problems with customer service and ca n't get other flexible options for repaying my loan, ca n't temporarily postpone making payments. XXXX XXXX | ||||||
| 02/09/2023 | Yes |
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| I have student loans serviced by Navient. I am a full-time student and they have been telling me that my loans are past due. I haven't dropped below half-time. I am a full-time XXXX. They did this previously with my old school when I was an XXXX. When that happened, I was contacted by an agent from Navient and I contacted my school and they notified Navient that I was a full-time XXXX. I asked the agent to update my preferences so that I would receive statements by mail. He said that he would. I personally logged into my account and updated my contact preferences so I would receive statements by mail and hopefully avoid that situation again. I have yet to receive anything in the mail from Navient. About a month ago, I was contacted by a debt collector who stated they were working on behalf of Navient. I contacted Navient to let them know I was a full-time student and what I needed to do. I am not privy to any communication between my school and any servicer or any means of knowing whether or not Navient is aware of my status or not until they do something like this. I contacted Navient and they responded by sending me an enrollment verification form and told me different ways to get it to them. I passed this on the registrar 's office and the completed it and sent it back to me and I uploaded it to XXXXXXXX XXXX website as Navient told me I could do. I even switched my email preferences to my school email hoping that someone would at least recognize that it is a university email address. I haven't received any communication from Navient until I received an email statement earlier today stating my loans were past due and there were fees associated with it presumably due to being late. I have made a good faith effort to communicate with Navient about my status as a full-time student. They have failed to communicate with me regarding this. I get emails during this period stating that I should call them " to discuss options ''. Yet, they won't communicate with me, or they simply ignore me when it comes to my first chosen option. Secondly, those emails aren't monitored. So, I can not reply to communicate with them. I work and go to school during the day and email or even mail is more effective way of communicating. However, they choose to continue to ignore my communication preferences. If there is something wrong with the form in which they provided that my school filled out, then they can notify that to me instead of trying to add additional charges for me to pay or hiring debt collectors to hound me. I have made a good faith effort to provide them with the information that they told me they needed to show that I am a full-time student. I am becoming exasperated with Navient. I do not know what else I can do. I am a full-time student at a fully accredited public university and I had a school official fill out the form provided by Navient. As far as I can see I am simply being ignored. I would be happy to consolidate my loans to another servicer to eliminate this problem. However, I don't believe I should be forced to pay additional fees or have my credit report damaged because I am in a one-sided relationship with Navient. It is important to note that XXXX is my other servicer and I don't have any problems with them nor do they have problems with my school. | ||||||
| 11/04/2017 | Yes |
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| Dealing with XXXX XXXX and now Navient is very frustrating. I have two type of loans that are serviced by this company. This complain is to address private loan information provided by the system and by agents on the phone. For many year already according to the system every month I have a past due and from the previous month. I have auto pay set up with this company so I called to verify and the costumer service agent looks and does not find it. recently on one of those calls I was told that over the years I have paid less because my interest rate is variable ( which I do n't remember so I asked for the copy of the paperwork I signed to be mailed to me taking a variable student loan rate and they sent papers with out my initials/or signature on those specific pages ) following that information the agent told me that in fact i was a month ahead of my payments and technically I was not in default but I need it to take action and they recently launch a payment/auto pay program and will reduce my interest XXXX if I enroll. Because getting an agent in the phone its such a hassle that as a a result of that phone call I end up signing up for a new auto pay with variable deductions from my account and decided to wait for the copies of the paperwork because I only remember having variable interest rates on the house mortgage ( I even had cosigners in my student loans to keep those loans at a low interest ) again the paperwork only has a few pages sign by me and none of those indicate I agreed to that interest. Today, I called to return phone calls and the system still tells me I have a past due from last month and after that says you have a schedule payment for __/__ ( The schedule payment is part of the recording is correct because of the auto-pay I had set up for years and recently " Upgraded to their new You do n't know how much we are going to take from your account every month program '' I find that this very frustrating, I do get bills once in a while and when I call to verify and talk to an agent he/she will say to ignore and they do n't know why ( after being transferred so several departments ). there are times like the past two weeks that I get phone calls during the day but I cant answer the phone during working hours, so when I call back they are close. Another issue when contacting the company over the years is that some agents seem to have memorize sentences and ca n't answer a question because the of limited language proficiency. I have notice that this happens more in the billing department. Why cant the costumer know the monthly deduction for sure so regular people can budget. because of this uncertainty I have to wait every month for them to deduct so I can take care of other financial responsibilities. I also have federal loans service by this company and that is also difficult to reach. every thing is a different department and even to reset a online log in is complicated because its other department and I 've been trying to set up auto pay for this loans for several months already and its still not happening. After years of dealing with the company XXXX old and new name ) I am starting to think that they do wants your money plus all the crazy ways they find to multiply it But purposely they are making it hard for costumers to pay it. | ||||||
| 01/26/2022 | Yes |
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| I am filing a Complaint against Navient. I am the XXXX on 4 Student Loans for my Daughter. Loan 1 Payment is XXXX Monthly Loan 2 Payment is XXXX Monthly Loan 3 Payment is XXXX Monthly Loan 4 Payment is XXXX Monthly Presently Loans 1-3 are current and I am making the monthly payments. Navient Representatives keep calling me harassing me and threatening me about Loan 4. The first time speaking with Navient I explained that I could not make the payments for Loan 4 and neither could my Daughter. The Navient representative suggested that I go into Forbearance until I could start making payments for one month, I accepted. The next month they suggested that they could lower my monthly payment to about XXXX month and make three consecutive payments and that would bring me current. I explained that I could not afford that monthly payment and said that the most I could do was XXXX dollars a month. Navient said that was not acceptable. Since XX/XX/XXXX, I would get calls from Navient 5 and 6 times a day morning, noon and night up until XXXX PM Monday-Saturday. It got to the point, that I was about to change my number. On XX/XX/XXXX or XXXX XXXX, I received a call from Navient Representative a XXXX or XXXX XXXX, saying that she could help me with my payments, I explained that she could not help me with my problem and she said that I have not talked with her before and that she believes she can, so I let her talk and explained what she was trying to do. She explained that if I could make monthly payments of XXXX or XXXX for nine months consecutively and then resume my schedule payments all would be current. I explained that the most I could do is XXXX month. She then said that she could not help me and asked me for the Daughters information which I declined. This tells me that since she could not get me to agree, she would then harass and probably threatened my Daughter. She also let me know that a letter for xxxxx would be sent. So, bottom line is, if you dont accept their terms they will not work with you. Again, I am offering to pay monthly on the account XXXX monthly and Navient is refusing to take my monthly payment. I am showing a good faith effort. I have tried several times in the past with a simple solution. My solution is to forgive Loan 1 which will be paid off in XX/XX/XXXX, or forgive XXXX of the XXXX that is due. The money from Loan 1, I could make the payments. As always, it falls on deaf ears. All Navient is concerned about is the money and lets not forget about the interest on these loans ; Navient is not really trying to help people, they are more concerned about their bottom line. As of XX/XX/XXXX, Navient sent me a Litigation Review Pending Letter to seek judgement against me. I received the letter Saturday XX/XX/XXXX. If I don't respond by XX/XX/XXXX they will move forward with there litigation. Everyones circumstances are different. I am XXXX XXXX XXXX and hopefully would like to retire when XXXX XXXX XXXX XXXX. I should not have to worry about Student Loans or getting harassing phone calls or mail. XXXX loan will not be paid off until XXXX, I will be XXXX XXXX XXXX getting phone calls about student loans, if not me than my daughter will be getting the callsTHIS HAS TO STOP. Your help in this most urgent matter is greatly appreciated. | ||||||
| 01/19/2017 | Yes |
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| XX/XX/XXXX I started attending a XXXX school, XXXX XXXX XXXX, which one day shut its doors and filed bankruptcy. I never finished my training nor was I close to being able to get a job XXXX. XX/XX/XXXX as they were shutting down so was our economy. XXXX XXXX flooded the market with highly qualified, high hour instructors. Even though I did n't get my XXXX and had to pay for it out of pocket I never had the chance to receive instrument rating which at this point in the economy would be highly essential in getting a job. I was basically a nobody, and without having {$15000.00} dollars to pay for it I 'm probably not going to be able to ever qualify for another loan to finish my training. The way the lender looks at this now is a " graduated '' situation and the loan is now activated. Originally the loan was at 15 % interest rate, $ XXXX monthly payment deferred until XXXX. I knew I could n't afford it, definitely not on a XXXX wage but the ultimate plan obviously was to become a XXXX. I started to research to see if I could refinance it and came across XXXX XXXX. The new payment then would be $ 500 monthly at a 5 % rate and it was at least manageable. My wife and I, at the time, had a son XX/XX/XXXX and XXXX XX/XX/XXXX. Our daughter went through many XXXX after birth including a XXXX for nearly a year. Medical bills were racking up as we continued to pay for the student loan even though I never graduated. The decision was made to join the military for extra income. My wife XXXX XX/XX/XXXX hoping to recuperate from our down spiral. She came home with a XXXX. XXXX. So much for the extra income. I XXXX XX/XX/XXXX and again XX/XX/XXXX to XXXX. Still we did n't make enough money to even keep up with staggering bills so we decided to file bankruptcy. We only agreed to go forward with it because our lawyer told us the school loan would be discharged. Well, that did n't happen. We wanted to sue the attorney for the malpractice but since he did n't carry insurance that was a dead end. The attorney told us to stop making payments since we were going to file anyway. The loan amount after " graduation '' was {$75000.00} and after this stunt it 's now around {$100000.00}. Here we are now, XX/XX/XXXX and the loan is due in full. My wife divorced me over it. I would like to say I 'm fully responsible for the loan, what states in the divorce decree, but she 's a cosigner. Creditors do n't care what the decree states so they 're threatening judgment and wage garnishments. I ca n't afford a {$500.00} dollar payment and it 's not right that they should go after her. I have spoken to the department of consumer protection, the department of education, the XXXX, the city and attorney general 's office, the FTC and one of the best bankruptcy lawyers in XXXX and so far no one has an answer for me. Well then ... a grey area where I find myself. Sounds like it 's too bad to be me. I just ca n't believe that there 's no federal safe guard for this kind of situation. I ca n't believe I 'm the first one to have this problem. I ca n't believe that after serving my country, same as my now ex-wife, this is what we 're facing at the home front. I did n't get what I signed up for, so why should I be liable for 100 % of the bill? Navient wo n't even discuss any settlement options. Why not? | ||||||
| 10/11/2016 | Yes |
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| A few years ago, I asked to consolidate my XXXX and non-XXXX loans with XXXX XXXX, who was my servicer. I was on interest-only, and I wanted to start paying principle, make a dent. So, for various reasons, this consolidation took somewhere around a year and a half to complete. Now, normally this may be cause to complain, but this is ancillary to my main complaint. Because it took so long to complain, the loan officer told me to apply for deferment. I did, but did n't meet the criteria. They then said " since it 's been taking so long, I will put it on an administrative hold and you wo n't accumulate any interest during this time, until we get the consolidation done. '' Now, I 'm somewhat financially savvy, so I knew this was tantamount to XXXX XXXX taking on a small part of the burden of my loan themself. I asked if they were sure. They confirmed it. I called BACK and talked to a different loan office, and they confirmed that while it was on this administrative hold I would n't be collecting interest. I said it looked like the loans were accumulating interest, and they assured me this was just because it had n't been consolidated, and the new loans would be the same as what I went into the administrative hold with. So ... of course interest was accumulating the entire time. Of course both the loan officers were wrong Of course I now owe over {$4000.00} more in interest charges that I could 've been repaying, but they told me not to. I owe the interest on this {$4000.00} for the next 25 years as well. I do n't think these lies/mistakes/misinformation was given to me maliciously. I think these XXXX officers genuinely believed they were able to defer the loan for me since they had done such a poor job consolidating. But at the end of the day, they have cost me a good deal of money. And I know what I 'm doing. I actively manage my finances and try to do right by my lenders. I have XXXX missed payments on my credit report. XXXX XXXX ( and then Navient, since ths consolidation took so long ) simply failed me. I do n't see how they 're providing a useful service. Why do n't they just lower my interest rate a tiny bit, cut out the middle man, and have me repay directly to the federal government if they can not service loans, if they are so ignorant of what they can and can not do. I guess I 'm lucky. I can still pay these loans, even those they 're higher than they would 've been if Navient were competent. However, what about others? i want to know that this will never happen again. Otherwise, what 's to prevent them from misinforming customers to line their, and the governments ', pockets? It 's to the point where I 'm considering emptying out my XXXX, bankrupting my retirement, to pay off my student loans. I know I 'll take a 10 % penalty on top of whatever taxes I would owe, but what 's that compared to 5 % interest compounded over 25 years? Literally the only thing stopping me is the fact that in the event of my untimely death, my loans would be cancelled out, while my XXXX would remain. This is pretty sad. What I would n't give for the ability to refinance my loans at rates that I can get for anything else, a home, a car, etc. I would save thousands a year. Moreover, I could deal with a competent bank instead of the incompetents at XXXX/Navient. | ||||||
| 12/29/2018 | Yes |
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Web | Servicemember |
| Several of my student loans are serviced by Navient. I called them and let them know that, as a military spouse living overseas on my husband 's military orders, I was unable to find steady employment and needed assistance. I called Navient in XX/XX/XXXX and told them I had no employment and was struggling to pay my loan. They placed me on a forbearance, backdated it to XX/XX/XXXX so that I had no late payments, and extended the forbearance through XX/XX/XXXX while the unemployment deferment was completed. The unemployment deferment was applied on XX/XX/XXXX ; Navient back-dated the deferment to XX/XX/XXXX, despite having paid the loan through XX/XX/XXXX. Navient insists that I filled out my paperwork with an unemployment deferment date of XX/XX/XXXX ; I did not. Either Navient made a mistake, or someone in Navient fraudulently amended my Federal Unemployment Deferment application without my knowledge or permission. Regardless of where the transgression occurred, Navient still charged me two late fees and a required payment, which was paid, during the unemployment deferment period of XX/XX/XXXX to XX/XX/XXXX. I was charged a late fee of XXXX dollars on XX/XX/XXXX ; I was charged a late fee of XXXX dollars on XX/XX/XXXX ; and I was charged an anonymous fee of XXXX on XX/XX/XXXX, which was originally sent to me as the amount due for XX/XX/XXXX but wasnt applied to my account at all. Accounts with Unemployment Deferments in place are legally bound to be in good standing, with no fees charged or payments requested during that time. I requested a copy of the master promissory note from Navient. Navient can not find this promissory note, and as of this date I have not received the requested documents. I also requested a copy of the original unemployment deferment paperwork. As this paperwork was submitted electronically, I have the master copy ; the original copy does not list XX/XX/XXXX as the unemployment deferment start date. The begin date of unemployment is listed as XX/XX/XXXX. My husband is XXXX XXXX military, and employers often do not want to hire spouses of XXXX XXXX military members because we have to move often, so I have no had full-time employment since then. I spoke with XXXX ID NUMBER XXXX who informed me that they were looking at a copy of my paperwork, it was right in front of them, and the start date was definitely XX/XX/XXXX. I then spoke with XXXX, ID NUMBER XXXX. They both told me that because the financial discrepancies were posted to the account, they can not change them and are refusing to either adjust the false charges or adjust the unemployment deferment they fraudulently applied to my account. My new account balance is XXXX. Three weeks ago, my balance was XXXX ; a year ago it was XXXX dollar less than that. Not only am I receiving compounded interest, my account balance is increasing monthly, too ; around XXXX over the past six months. Because they can't find my promissory note and refuse to send me any statements, I can not begin to determine what financial mistakes they've made or how much I'm actually supposed to owe. Over the past several years, I received a notice that my payment schedule had been updated, but with no explanation and no one could answer why it was changing when my payments had been made on time. | ||||||
| 08/03/2016 | Yes |
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| My Student Loans were in default. The {$200000.00} in loans doubled, doubled again, and continued to increase. My Student Loan Debt reached XXXX. There was no way to repay it. We took the loan companies to court and asked a Bankruptcy Court Judge to please see that repayment of the growing debt represented an undo burden - there was no way to repay it and the student loan servicers were not willing to help us. The judge said there was nothing he could do but that it was the most egregious case of negligence by lenders he had ever seen. When the loans were originally paid to us, off the top of every loan, XXXX was taken by the loan servicers before I received the checks to cover what they referred to as 'miscellaneous fees. ' With mounting debt, we waited for my husband to turn XXXX years old, drained his retirement account, and settled {$700000.00} with {$100000.00} cash. It was all we had. The Federal Loans from the Department of Education and XXXX XXXX, however, told me they would not accept settlements. Several were turned over to collection agencies for what the loan servicer ( Navient ) called 'loan rehabilitation. ' The Loan Rehabilitation companies are OWNED by Navient. I paid $ XXXX/month for 9 months to the Loan Rehabilitation Company. I was assured by Pioneer Credit Recovery that a portion of my payments went to pay down the interest and a portion went to pay the interest, the rest went to pay their 'rehabilitation fees. ' They lied. ALL the money I paid them went to pay their exorbitant recovery fee. No interest and no principle was repaid during that time. In addition, thousands of dollars of new debt was added to my loans when those loans exited 'rehabilitation ' and were retrieved by Navient . Most recently, I received a credit alert telling me that all the loans I have made on-time payment on for over a year ( $ XXXX/month ) saw increases to all of the balances. I called Navient. Navient can not explain to me what happened. They still do not know what happened and are refusing to fix it. What credit we were able to recover over the last 12 months was obliterated. I lost XXXX cherished points on my credit reports in one fell swoop because of Navient 's actions. And no one can tell me with any certainty what happened. TO ALL WHO WILL LISTEN : Student loans are a racket. This is fraud. Plain and simple. My husband is XXXX. I am XXXX. We do not own a home and can not own a home because of Navient 's repeated actions that damage any improvement we make on our credit reports. We have completely given up on the dream of ever owning a home again. I still owe {$160000.00} to Navient ( Dept of Ed and XXXX XXXX ) and I do not think I will every be able to repay it. Mystery fees keep replacing any principle I pay down, increasing the balances to their original amounts. We have been working very hard for the last 10 years toward credit recovery and every gain we make is wiped out by yet another mysterious action by Navient. And the Federal Government does nothing. Absolutely nothing. We have never felt so powerless. We really thought that is something this egregious happened, some entity would step in to help us. We were so wrong. I tell everyone, " If you can not attend college and pay for the whole thing yourself, with no loans, DO NOT GO. '' | ||||||
| 04/10/2019 | Yes |
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| I started making payments to Sallie Mae ie now Navient when I graduated with my first XXXX degree. There were several " double payments '' that they claimed they could not refund me since it was already attached to my loan. Then I went back to school for a second XXXX degree to which i continually made payments through a payment plan. But it was starting to get to much for me having to pay $ XXXX a month to just them and needing to pay for school, home, food, gas, etc so I had to work two full-time jobs and two part-time jobs due to not being able to make ends meet. I graduated with my second XXXX degree and got accepted into graduate school. I called Navient since they refused to defer while I was going for my second XXXX degree I thought they would defer for my XXXX program. They told me that my XXXX program at XXXX University does not qualify since it is not XXXX or XXXX program when all my other student loans private and federal have deferred my loans being still in school. So they told me my only other option is to apply for forbearance which is {$150.00} but it does not guarantee forbearance so I wouldn't be given back the money if I don't qualify. I told them I understood and they told me I had a total of three years of forbearance. I worked on financial sheet and figured that out that by then I could make the $ XXXX payments a month again. It would give me time to be secure and safe. After doing the forbearance three times ( total of 18 months ) I was told that I no longer can apply for them and need to start paying on the loan. At first I was able to sign up for a replayment plan but they kept double taking out of my bank account to which I had to close that bank account due to them continually taking out extra money than what I agreed to do. They claim that they weren't taking any extra money! And when that repayment plan " expired '' they were making me pay almost {$700.00} a month for loan repayment ( {$680.00} to be exact ) denying me any service or benefit help. Finally I was able to talk with a nice worker who understood my situation and did a financial sheet with me and my co-signer noticing that there was no way I could afford that unless I was homeless and didn't eat. She set up a payment plan with me that on the XX/XX/XXXX of every month I would pay {$220.00} through XX/XX/XXXX. I agreed to the terms but she needed to take out the payment within ten days of us approving it so the first payment had to come out on XX/XX/XXXX. I told her that was fine. So on the XX/XX/XXXXof every month since they have taken out {$220.00} from my bank account. But apparently for the past three months they have been harassing my mom, my co-signer, with phone calls claiming I am not paying my payments and now just recently are harassing me with emails and stating that I am past due and making all these charges and extra fees. What can I do? They have caused me emotional, physical and psychological stress due to not being to pay for groceries or being late on rent and the constant harassing and scaring me about money and going to jail. What can I do? I have tried to seriously just get a loan for {$36000.00} just so I can pay someone else and not have to deal with them but with all my student debt and other credit history I do not qualify by myself. | ||||||
| 10/07/2017 | Yes |
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| The original student loan in the amount of XXXX was XXXX in a Bankruptcy hearing in XXXX ( see attached ). Even though this debt was XXXX, the federal student loan corporation kept harassing me to make payments on it and accept the debt. At the time, I was working as a XXXX for the federal government and was afraid it would impact my career, so I opted to pay on the loan to stop the constant harassment. This was the era when there were very few to no consumer protection rights regarding debt collector harassment tactics. Even the XXXX XXXX XXXX utilized many debt harassment tactics that would be considered unjust and illegal in todays world. Over the years, I made payments and at certain periods of time the account went into a deferred status and I stopped making payments for a period of time after my lawyer told me that this debt was fully XXXX in bankruptcy court and that I should not have been making any payments to the XXXX XXXX XXXX or any other entity claiming to own this account. This account eventually fell into a default status and that is when the XXXX XXXX XXXX brought in XXXX XXXX XXXX to aggressively go after the garnishment of my wages. I elicited the help of a lawyer XXXX XXXX XXXX XXXX XXXX to represent me to the XXXX XXXX XXXX regarding the aggressive tactics taken by XXXX XXXX XXXX and their attempt to garnish my wages. After in-depth research into my case, my lawyer crafted a letter that explained how the bulk of the original student loan was dischargeable under Bankruptcy XXXX XXXX see attached letter ) and that XXXX XXXX should not have been allowed to garnish my wages. Navient acquired this account from XXXX which in turn took it over from an aggressive and now defunct debt collector named XXXX XXXX XXXX who were hired by the XXXX XXXX XXXX to garnish my wages as previously mentioned. Navient is currently showing a total current balance of XXXX on a XXXX original student loan that I have paid approximately XXXX to XXXX towards over the years since its inception, but have not been given any credit for by them. Navient refuses to acknowledge the amounts that were garnished XXXX XXXX XXXX net income ) from my paycheck from XXXX to XXXX which totaled in the amount of XXXX XXXX see attached ), not to mention the XXXX of dollars I have already paid to date on this account. I feel Navient has been highly deceptive and fraudulent with how they have represented this account. They have refused to allow me any options for the repayment of it at a reduced rate until such time that I could get someone at their company to hear my case. I have provided them documentation showing that I have paid this account in full, however they refuse to acknowledge the documents I have provided nor do they respond to any requests for an audit of this account. In addition, Navient is actually being more underhanded and fraudulent with this account by adding onto the balance the unsubstantiated unpaid interest that they supposedly inherited from XXXX. I have also requested a lower interest rate XXXX currently XXXX XXXX ) and they have stated I am not eligible with no further explanation as to why? There are currently several lawsuits against Navient for the very same fraudulent and underhanded practices that I have mentioned above. | ||||||
| 06/14/2019 | Yes |
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| XX/XX/XXXX- • Student loans were sold from one loan servicer to multiple- this is where my confusion started • All together I had 14 public student loans. o 10 student loans were sold to one servicer- Navient o 4 of the other loans were lost- Navient was not the servicer XX/XX/XXXX-XX/XX/XXXX • I was paying on the Navient loans • I was not paying on them consistently because of financial stability • My mother was helping pay on the other 4 loans- also not paying consistent because of financial stability XX/XX/XXXX-XX/XX/XXXX(XX/XX/XXXX) • Financial stability sustained and paying consistently on Navient student loans • My mom communicated with the company that was servicing the other 4 loans to reach out to me in order to get payment plan set up with those loans • I never received any phone calls from this company—I have proof that the company did not have the correct contact phone number on file • During this time I also had a baby so that my mind was not tracking to follow up with the company with the other 4 loans outstanding XX/XX/XXXX(XX/XX/XXXX) – Present • In XX/XX/XXXXI received notification from employer that my wagers were to be garnished starting immediately • There was no notification via phone or email that this was going to occur • However, I did receive a letter from Pioneer Credit Recovery Agencyo The issue with this that I had no clue the letter from this company was important because I had never worked with that Agency in the past and I thought it was junk mail o The letter is very generic- no warning on the outside of the letter • I did receive letters from the Department of Education communicating the balance of my loans o However I thought those letters were statements of my current loans with Navient- Navient being the servicer paying back the Department of Education for my loans • Once I got notification from my employer that my wages were to be garnished starting immediately I contacted Pioneer (because it was on the notification email) • Pioneer did not have the accurate phone number on record (therefore they never called me) • Pioneer did not provide me any time to dispute the garnishment or to come up with other payment options • Currently they are garnishing my wages by 14% per pay period which results in XXXX dollars a month • Pioneer tells me that I have payment plan options… but only on top of the garnishments • Pioneer tells me that there is no way I can get my Student Loans out of default status because they are non applicable for rehab • Because my Student loans are in default I cannot consolidate, because my Loans are in default they care applicable for Rehab • Therefore I cannot stop wage garnishment Overall, I do not believe that Pioneer provided me with adequate notification of wage garnishment. They should have called or emailed me and spoken to me in real time. Also I believe that they should have sent a pre- warning to my employer for the wage garnishment, so that they could have warned me as well. Pioneer is not providing options to help me get the wage garnishments to stop other than paying on top of the garnishments. Currently I do not have the financial capabilities to do this, honestly, the garnishments are causing significant financial stress on me and my child. | ||||||
| 06/24/2017 | Yes |
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| I chose XXXX XXXX ( now Navient ) Student Loans for my student loans to assist in paying for my college education at XXXX College in XXXX XXXX in XXXX. During the negotiation and contract agreement, I was told the options of repayments and the services that they provided, which included loan consolidation, refinance, and payment extensions. 3 months before my graduation in XX/XX/XXXX I contacted XXXX XXXX again to confirm the payments regarding my loans as well as to confirm over the phone that my loans ( XXXX at the time ) would be consolidated upon graduation. After graduating with my XXXX XXXX and settling into my new job, I contacted XXXX XXXX again before I was expected to start payments on my loans after the 6 month grace period to confirm once again, my loans were to be consolidated upon first payment. My first payment came in, and I was billed for each loan separately with the different interests rates applied to them. I contacted XXXX XXXX to work out the issue, only to be told they do not do consolidations. I asked for other repayment options as the sum of both loans exceeded my finances from my job, I was told none were available for the loan type I had. For another 4-6 months I struggled to make those payments before deciding to try and go back to school for my XXXX and was left with only one option and that was to go back through XXXX XXXX. I got another loan and attended classes while my loans sat in forbearance while I was attending school. After being unable to sustain my job and school, I dropped out and returned what was left of my loan back to XXXX XXXX, and before repayment started I contacted asking for any kind of repayment assistance. I was told there was one option which was to extend the length of the loan and lower my monthly payments down to a manageable level, which I agreed to. I received my next month payment with the lowered amount of {$470.00}, and was able to make that payment on time. The very next month however, I was sent a bill with the previous amount of {$820.00} and contacted XXXX XXXX regarding this issue. I stated I had contacted and agreed to a loan extension and my payment was supposed to be lowered, I was again told over the phone that my loan did not qualify for such service and I was to pay the higher amount which I could not afford. I then attempted to pursue legal action against XXXX XXXX, now Navient, for breach of contract to no avail as I could not afford a lawyer to pursue the necessary legal action. I had an attorney service through my work through XXXX XXXX who attempted to pursue assistance on my behalf for 6 months but was never contacted. In the meantime, Navient proceeded to ignore contacting me directly and pursued harassing my cosigner which they continue to do to this day. I finally found assistance with XXXX XXXX XXXX for structured credit settlements, and they have been attempting to contact Navient multiple times on my and my cosigner 's behalf. Navient has refused any and all calls or settlements with XXXX XXXX XXXX, and has continued to harass and threaten my cosigner with legal action. This entire escapade has dropped my and my cosigner 's credit scores to unmanageable levels and we will be unable to get any loans or credit assistance for at least the next 5-10 years. | ||||||
| 03/19/2017 | Yes |
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Web | Servicemember |
| Feel as if I have been misled by XXXX/Navient and have not been offered services that have been available to myself, and have had poor correspondence regarding payments, options, and deferments. Recently went to submit a full time in school deferment, as I am back in school full time after receiving a degree in order to work on a XXXX and XXXX. A deferment was also sent to the federal loans agency. Navient received my request yet did not send me ANY correspondence on the issue. I was under the assumption that the request would be ok and processed as it had been in the past, according to prior information received from them regarding status as a full time student and being eligible for deferment. In no way shape or form in the past did Navient tell myself via e mail or when speaking over the phone that there was any sort of limitation on full time in-school deferments on payments. My original understanding was that if you were full time, you were eligible. That was it. Navient received the form and request for deferment, let a payment of mine go overdue, and did nothing to contact me or reach out stating that the deferment was not accepted and a payment was overdue. The account just sat with an overdue payment and no action was made to alert myself of either. When I finally reached out to Navient I was told that full time in-school deferments were limited to 48 months and that I had exceeded this limit. In no way was I under this impression or had been notified of this in the past, the limit on full-time deferment, and in no way was I ready to make the full payments or had planned to. I 'm not entirely sure I was divulged my full options for repayment and options for help repaying. I still do n't feel as I am. A representative over the phone said that I would need to make payments going forward and my only options for delaying payments would to be apply for three month long deferments and was eligible for a years worth of these. Had no idea that that was a thing and was never notified in the past that this option was available to me. Was also told that i could apply for a forebearance. I am now finding that I may be able to apply for an extended payment plan with lower monthly payments, however this was never offered to myself by any representative or by Navient in any sort of correspondence. I still feel as if I am being misled to options and do n't understand why I would n't be eligible for deferments while a full time student. Navient seems to have a way of receiving correspondence and requests for various things and not reaching out in a manner to let you know their decisions. A payment could go missed and they will let the account sit and make no extra effort to notify you by phone, e-mail, or otherwise. The only e-mails I seem to get are ones stating " you have a new education document available ''. This is the generic e-mail for EVERYTHING, includingnimportant correspondence regarding decisions on requests and overdue payments. My experience with Navient/XXXX has been horrible and I can definitely say my life has been made financially harder and more stressful trying to deal with them and pay back loans, etc. My family and myself absolute regret taking out private student loans from them and would not recommend it to anyone. | ||||||
| 02/17/2020 | Yes |
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| I am hoping to find help regarding a student loan asap. This is regarding paying a student loan by NAVIENT Up to now I am current as I have deferred a few times plus I have been on the lower payment plan based on income for several years now but every year the Payment climbs higher and higher and thats even with no income. At the moment I am unable to secure work because number # 1 there is no full time work or permanent work positions here in Puerto Rico. I search on a daily basis and never find anything. I have only been able to secure a paid job by working doing social media ads for a local florist company, they pay me sporatically and struggle as well. I live with my father and he is retired and struggles. I pay him a small monthly amount to help with food electric and cable when I can. I have a phone an no car payments ( thank goodness ). My mother is on SSD and can not help me, her husband recently passed and her health has turned for the worse so I have to struggle between the care of both of my parents as well. I have been struggling literally for over 10 years with these payments. The loan has NEVER gone down, not one dime, it has INCREASED. I live in constant fear everyday that I will die and my mother will be left to endure the wrath of the Student loan nightmare. When I went to this school, I was promised when enrolling and talking to counselors that I would with no problem secure a well paying job that would easily allow me to have money to pay the loan down. I never have, and I had to leave XXXX after 2 years struggling there as I could not find work. My biggest issue with Navient is that they say they work with you but my payment will now go up again and this time I will not be able to pay it. When I applied of the Sallie Mae website back in XX/XX/XXXXI was led to links looking on financial aide that I definitely thought were a government backed loan but it turned out it wasnt. I remember asking the counselor and she stated it was. I later discovered that, of course it was not, after it was too late. Im not sure if that makes a difference but I feel I was lied to. And That was the only reason my mother cosigned and she we was devastated to find out now Loan sharks own my loan and will never st op hounding me or maybe her. In XX/XX/XXXX I was forced to a deferment, then the story goes on from there of deferments that income based payments deferments etc..Please advise me what to do. They act like they work with you but to never see the loan go down EVER in fact its more is a nightmare. I have tried for over 10 years now and I am never going to have the opportunity to fix this. I am at your mercy to help me. Please The loan information is below Signature Loan Loan StatusRepayment Repayment PlanFull Principal and Interest Repayment Start DateXX/XX/XXXX Estimated Payoff Date XX/XX/XXXX Ready to pay off this loan today? Here are the amounts : Online {$60000.00} By U.S. Mail {$60000.00} Unpaid Principal {$60000.00} Unpaid Interest {$72.00} Current Balance {$60000.00} Interest Rate 7.250 % Interest rates on private loans are set by the lender. Interest TypeVariable Loan Type PRIVATE School XXXX XXXX XXXX Current Owner NAVIENT PRIVATE LOAN TRUST Disbursement DateXX/XX/XXXX Original Principal {$55000.00} Cosigner mother | ||||||
| 01/04/2019 | Yes |
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Web | Servicemember |
| I recently refinanced my student loans, both federal and private that were serviced by Navient, with XXXX XXXX. An EFT was sent from XXXX XXXX for a Total of $XXXX on XX/XX/2018 to Navient. They applied $XXXX toward the Stafford loan but nothing was applied to the two private loans with the company (Navient). No one can tell me where the funds were applied. When I contacted Navient about this, the first representative told me that there was no way that I was able to refinance my personal loans with another company because no one does that. He advised I contact that loan company. I told him I would and that he was most certainly incorrect about all this. I contacted the company that did refinance my student loans, XXXX XXXX, and they verified that they did indeed refinance the loans and send the payment via EFT on XX/XX/2018. I called Navient back and kept the representative from XXXX on the phone with me in order to stop having to call back and forth with each company. I disclosed to the representative at Navient that I had a representative from XXXX XXXX on the phone as well. Both representatives disclosed that they would be recorded and I verified that it was ok for them to discuss my loan information with each other. Once the representative from Navient was told that the call would be recorded, he had to decline interacting with the representative from XXXX XXXX. I had to disconnect my call with the XXXX XXXX representative. The representative from Navient asked that I contact XXXX XXXX to get a copy of the EFT or front and back copy of the check that was sent to Navient so that they could investigate where the money had gone. I was to upload these documents to my account and they would find out in a few days to weeks. Meanwhile, I am still accruing 12% interest on these private loans. He assured me that all charges would be backdated to when the EFT was received. I questioned this statement. Did he mean XX/XX/2018 or when they find where the mistake was made? I was told when the EFT was received. No clear date was verified. I stated to him that it is funny how a Federal loan was paid in full but the two personal loans that are owned by Navient were not. I called XXXX XXXX, again, and they cannot send me a copy of the EFT due to private banking information. I understood. They also assured me that they have a representative who is working to contact Navient about where the money is and getting it applied to the correct account. I don't understand how Navient can apply one loan correctly and not the others (that they profit from). I understand that both financial institutions are working on this matter. Navient has been very uncooperative and has really make this more complicated and frustrating than it needs to be. It is my hope that this is resolved quickly so that I no longer have to deal with Navient again. They make any process in dealing with them over-complicated and frustrating for the consumer. The past 13 years that I have had to deal with them has been beyond aggravating; from having due dates messed up, causing a late payment, to being forced into a forbearance (still had to pay for to apply for it) when I was XXXX. Today was just another hiccup in a series of issues I have had with this company over the years. | ||||||
| 01/08/2016 | Yes |
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| Thank you for reviewing my concern. I am the father of XXXX recent college graduates. My concern is with both Naviant and XXXX XXXX Loans and the interest rates and the accrued interest on the student loans I co signed for. Part 1 : My XXXX child went to XXXX University in XXXX, XXXX, then transferred to XXXX University XXXX XXXX in XXXX, XXXX. He started college in 2008, and when we filled out the FAFSA, it was determined we did not qualify for very much financial aid and our Federal Loans were minimal. One year later, my XXXX child went to XXXX University in XXXX, XXXX. And again, for some reason we did not qualify for very much financial aid and again, we did not qualify for very much in Federal Loans. Two years later, my XXXX child went to the XXXX XXXX for one year then transferred to XXXX University XXXX XXXX, and the same result occurred with Financial aid. Part 2 : Because we did not receive very much Financial Aide, My wife and I had to co sign onto various private loan organizations to pay these tuitions for XXXX children in college. We applied to many loan organizations and were turned down by some and accepted by others. Basically, we took whatever loans we could sign for so that our kids could go to the colleges of their choice. The good news is they have all graduated college, and are working now. Where we are now My wife and I are now co signers to over {$400000.00} in private student loans in addition my children have Federal Student Loans they are responsible for. The XXXX children have jobs and are starting to pay back some of the student loans. The interest rates on the multitude of student loans are between 3 % and 12 % annually. The interest expense on these loans is growing tremendously, and in some cases the loans now due are double the amount that we took the loan out because of the interest rates. However, the income the children earn is not sufficient to pay off the student loans. When I have asked both Naviant and XXXX to ask if they can reduce the interest rates, they deny that they can do this. When I have asked if I sell my home to pay off some of these loans, can I just pay off the principal and they forgive the interest. Again, they deny this request. Options to go forward : My options to go forward are to continue to try to pay off the student loans the best I can on a monthly basis with the help of the children. But this does not seem to be working as the debt keeps growing and growing even after making payments based on income. Or I have read if I default on the student loans for over 3 months, they may be able to renegotiate the terms of the payments. My complaint is that for the last 8 years, the prime rate has been very close to 0 % and yet for these student loans many of the interest rates are at or very near double digits. I do not see us paying off these loans for maybe 30 years or until XXXX of us dies and we can collect the life insurance. Furthermore, sometimes I can not make these monthly payments and late fees are accruing and it is wrecking my and my wife 's credit score. Is there some action the CFPB can take to help us with this mess we are in with student loan? Thank you for your any assistance you can provide. Sincerely, XXXX XXXX XXXX XXXX XXXX | ||||||
| 04/03/2020 | Yes |
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| I am writing regarding a student loan with NavientXXXXSallie Mae. To my surprise I was notified today by the credit reporting agencies that my student loan with Navient was reported 60 days late on my credit report. I was able to see the reporting with XXXX and XXXX which immediately dropped my credit score by 100 points. I was never made aware that I was delinquent as I have automated payments set up to draft monthly from my checking account. I called the lender after the credit reporting incident on XX/XX/ 2020 to discuss why they did not take automated payment. The representative I spoke with was extremely rude and on a power high. She basically said " I got ya '' in a tone of blackmail as a delinquency was reported. I tried to explain that I had an automated payment set up and as far as I know credit reporting on delinquencies for student loans occurs at the 90 day mark. I explained that to the rep in which she said it does not apply to them and that I could dispute the information with the credit reporting agencies. She mentioned that they had tried to reach out to me to make me aware but I never got a call nor did anyone leave me a message. I was contacted back in XXXX to discuss a suitable long term repayment plan with the lender, however I was not made aware that the automated payment expired. I am under the understanding that my loan is being automatically drafted monthly. While I had her on the phone, I mentioned that with the Covid-19 Crisis that everyone is now on guard taking care of themselves and loved ones and it is easy to be distracted or not answer solicitation calls at this time. I asked what they had to offer during this crisis in terms of helping us with loan payments and credit reporting. The rep laughed and said it was nothing personal but I needed to make a payment no matter what, crisis or not. As far as I know, I should have automated payments set up on my account. I tried to reason with her that this reporting will destroy my credit and any hopes of financial stability during this crisis that is hitting our nation where we need to stick together. I have never spoken to anyone as cold as this rep. Unfortunately, I did not get her name but she paints a horrible picture as a representative of this company, especially during a national pandemic crisis. Keep in mind I am currently enrolled as a XXXX XXXX XXXX at XXXX XXXX XXXX University and I am on a limited budget, yet I have automated payments set up as piece of mind. I know that it is money that I used and I am responsible for it, however, what happened was the lender 's mistake or an oversight by me during a crisis we are dealing with. All lenders out there are doing their best to help their customers during this crucial time, yet Navient took it upon themselves to cancel my automated payment without my knowledge, report the delinquency to the credit agencies then treat me like a criminal and demand payment. I just made a large payment to make my account current during a time when people have lost their jobs, including myself, and I don't want to risk anymore negative reporting, yet with the drop of 100 points in my credit report I will likely lose many accounts with other creditors due to this derogatory information reported by Navient. | ||||||
| 04/20/2017 | Yes |
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| I graduated from XXXX XXXX XXXX in XXXX XXXX and graduated from XXXX at XXXX XXXX , NJ, in XXXX XXXX . In XXXX XXXX I explored loan forgiveness with Navient and was informed that I should consolidate my loan with them and another lender, and I would be eligible for loan forgiveness after 120 consecutive on-time payments on the income-driven repayment plan. Myself and my mother, who is authorized by Navient to speak and act on my behalf, had numerous conversations and confirmations before consolidating. We asked to speak with loan experts to be sure we understood the process and were told that all Navient representatives are experts. After consolidating, we paid the amounts that were outlined by Navient, and have now been hit with exorbitant " capitalized interest '' amounts that were never explained to us. Since consolidating about 28 months ago, the capitalized interest is over {$18000.00}. Last year, when we called about un-consolidation, we were told that is not an option, but if we paid more that interest rate would go down. We said we were paid the amount that was given as part of the income drive repayment plan and that after 10 years those accruing amounts would be forgiven. We were also advised to pay off the personal loan of about {$20000.00}, since that is not part of loan forgiveness, but yet is the only part of the loan which has decreased since payments started. We were advised by Navient that after ten years when loan forgiveness is complete, we would have repaid {$190000.00} of the total loan amount. In XXXX of XXXX when we saw a capitalized interest amount of almost {$10000.00}, we called Navient to inquire and were told that most likely, next year, I would no longer be eligible for the IBRP or loan forgiveness, and that we can not " unconsolidated '' my loan. Throughout my last 3 years of correspondence with Navient, I have dealt with a wealth of miscommunication and, in my opinion, a ploy to get me to assign all my loans to Navient before giving me the actual financial facts. I consider this information to be untrue and fraudulent as the present response to all my questions is that all occurrences with my loan are approved by the federal government and repeatedly quote the formula for calculating payments with interest. My mother has been in touch with her XXXX XXXX XXXX and they give her the Consumer Finance Protection Bureau information, advised us to file a complaint, and gave us several alternative companies to see loans at a lower interest rate and less of a payment per month. My loan went from {$800.00} to {$2300.00} in two years and Navient informed us that it would be significantly higher next year. I was also charged late fees over the course of my loan when I was still in medical school, which Navient has not explained, addressed or removed. We are confused since what we were told pre-consolidation is totally different from what we are experiencing. While we are going to explore better rates and a more reliable and forthcoming institution than Navient, we felt it important to report my situation. Thank you for any assistance or advice you can provide me. I can provide my loan history and details when necessary. Sincerely, XXXX XXXX XXXX | ||||||
| 08/24/2019 | Yes |
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| XX/XX/2019 I submitted a complaint, the response I received from Navient was like a robot response. My statements do not allow a me to know the interest is declining on my loans, also since I have been paying my loans I have made the following payments XX/XX/2019 - {$450.00} based on making extra payments. My interest is decreasing but no where on the statement does it show it being subtracted from the balance. If I do not look closely it looks like the balance is the same since the original amount of back interest was over {$10000.00}. XX/XX/2019 Payment {$450.00}, XX/XX/2019 XXXX, XX/XX/2019 {$100.00}, XX/XX/2019 {$320.00}, XX/XX/2019 {$200.00}, XX/XX/2019 {$200.00}. Navient sends a robotic response about Income Repayment and how it works. I do not receive an answer to why my repayment is not being deducted online or on my statements. It makes it very difficult to get Navient Service Provider Customer Service to give direct answers. It's like getting the run around. Even though they responded to my complaint the answer is the same answer I receive every single time. I do know there is a lawsuit, Case 3:17-cv-00101-RDM, IN THE UNITED STATES DISTRICT COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA. I also read there are other states who have other complaints against Navient. I would appreciate if New Jersey would file a complaint as well. Reason being as a graduated student who has student loans, the statement was changed for students who are on the Income-Driven Repayment ( IDR ) Plans do not receive the correct statements about payments being deducted or how their payments are reducing their loans or if the interest is accruing. As an adult and former student I think this needs to be rectified because it gives students the impression payments are not being deducted from the account. The online reads the original amount of the debt, it does not show a reduction in the balance neither does the statements. Navient refuses to allow students this important information and the statements are not the only problem. The online statement deceives a student or borrower from understanding that payment should be made. I have on the Navient site that I want to be billed every month and online it says no payment is due. My due date is the XX/XX/XXXX of every month. This deceives a person to believe they can skip that months payment. When in actuality they owe a payment that may not show up until the XX/XX/XXXXof the month. The Ethical practices of Navient is the problem for students. They do not answer questions with a direct answer, the statements are hard to read, do not show a balance the subtraction of a payment and the add in of interest for the month. They do not allow students to know a payment is do online two weeks prior to a payment being owed. Students get robotic responses or script responses that do not give proper information on where a payment is going, how much their interest is a month per consolidated loan Subsidized or Unsubsidized and no where on the statement does it show a breakdown of where the payments are subtracted from the interest or the full consolidated interest. Only traditional loans or Standard loans are receiving a proper statement that deducts the payments and shows accrued interest. | ||||||
| 01/03/2018 | Yes |
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| On XXXX XXXX XXXX I made an early payment on my Federal Statement Student Loans serviced by Navient in the amount of 1 full month 's payment. I had already paid my XXXX payment on the XXXX of that month via Navient 's autopay system. When I paid that loan I selected the option that Navient provides to advance my due date for my next payment by the amount of time that this payment would cover, in this case 1 month. You must select to either advance your due date or have the additional payment applied to interest/principal when making a payment. On XXXX XXXX XXXX, and XXXX XXXX XXXX, Navient 's autopay system attempted to withdraw the XXXX payment from my XXXX XXXX XXXX XXXX XXXX account that I had enrolled with their autopay system. Because I did not have sufficient funds in that account, my bank charged me two {$29.00} overdraft fees, for a total of {$58.00}. On XXXX XXXX XXXX I contact Navient and explained the situation. I spoke with a customer service representative and eventually a supervisor. Rather than refund me for the overdraft charges that resulted from their error, the supervisor informed that although I had asked that my due date be advanced when I made my additional payment, that had no impact on their autopay system. The supervisor further informed me that this was my fault and Navient could not help me because I agreed to the terms listed on the website when I clicked to submit the extra payment, and that these terms state that their autopay system would continue to function despite the extra payment. After our phone call I logged on to Navient 's website to review this " disclosure. '' How it actually works is that there is a scroll box on the screen on the final step before you submit payment containing terms and a button separate from this scroll box that you click to submit the payment. Next to that button is the phrase " By selecting the Submit button below, I am acknowledging that I have read, understand, and agree to the Electronic Payment Authorization. '' Only visible after scrolling approximately 4/5ths of the way through that embedded scroll box is the phrase : *If your loan ( s ) is currently enrolled in Auto Pay, your monthly payment will continue to be deducted from your bank account as originally agreed upon. I honestly do not recall whether I manged to locate and read this statement prior to submitting the payment. Frankly, it should n't matter. A term referencing another agreement ( one that is not contained in the same disclosure ) should not be allowed to trump the plain meaning of primary purpose of the payment being made. Remember, I had just informed Navient to advance my due date and I had no desire to pay off my loan more quickly than required. If they were planning to take more money than was owed that month anyway through their autopay, they need to take additional measures beyond burying an opaque disclosure outside of the initially visible portion of a scrollbox above the submit button. This practice is misleading and deceptive and causes customers to inadvertently double pay or pay early on monthly payments to Navient 's advantage. Or if they do n't have the funds in their account for the unanticipated double payment, like me, they will be hit with overdraft charges. | ||||||
| 12/11/2018 | Yes |
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| I have been a victim of identity theft. My DC police report number is XXXX. I can submit this upon request.I submitted my identity theft to the consumer financial protection bureau, the credit bureaus, as well as the creditors. EVERYTHING ON MY CREDIT HAS BEEN FRAUDULENTLY PURPORTED AND THE PROMISSORY NOTES ASSOCIATED WITH IT HAVE BEEN USE FOR MONETIZATION WITHOUT MY CONSENT. I DEMAND A FULL INVESTIGATION INCLUDING, BUT NOT LIMITED TO, THE ENFORCEMENT AND ASSIGNMENT IN WHICH I GAVE VALUE TO, PROOF THAT THE CREDITORS HAD ANY LAWFUL RIGHT TO USE MY CREDIT ENTRY AND AUTHENTICATION, FULL COMPREHENSIVE ACCOUNTING THAT ILLUSTRATES THE DEBIT ENTRY AND CREDIT AND CREDIT ENTRY INTO THE ACCOUNTING UNDER EACH ACCOUNT NUMBER. I REQUIRE ACCOUNTING RECORDS AND THE CONTRACT, THE " WET INK SIGNATURE CONTRACT, '' OR A COPY OF THE CONTRACT THAT IS AFFIDAVITED FOR VERIFICATION. IF THIS IS NOT ABLE TO BE PRODUCED, BY LAW, THE DEBT SHALL BE DELETED.This constitutes legal notice under federal law that regulates the activities of collection agencies and their representatives. They are hereby notified, under provisions of Public Law 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices Act. 15 U.S.C.A 1601.1692 et al. this constitutes timely written notice that, I decline to pay the attached erroneous purported debt which is unsigned and unattested, and which I discharge and cancel in its entirety, without dishonor, on the grounds of false representation and fraud. No judgment has been entered on this matter. 15 U.S.C. 1692 ( e ) states that a " false, deceptive, and misleading representation, in connection with the collection of any debt, '' includes the false representation of the character or legal status of any debt. I have incurred no liability for this debt. Said Notice contains, false, deceptive and misleading representations, and allegations intended to pervert the truth for the purpose of inducing me, in reliance upon such, to part with property belonging to me and to surrender certain substantive legal and constitutional rights. To act upon this Notice would divest me of my property and my prerogative rights, resulting in a legal injury to me. Pursuant to 15 U.S.C. 1692g ( 4 ), Validation of Debts, they did NOT have evidence to validate their claim that the attached presentment does not constitute fraudulent misrepresentation and that I owe this alleged disputed debt. Until the requirements of the Fair Debt Collection Practices Act have been met and your claim is validated, they have no jurisdiction to continue any collection activities against me in this matter. I sent a constructive notice that, absent the validation of their claim within 30 days, they must cease and desist any and all collection activity and are prohibited from contacting me, through the mail, by telephone, in person, at my home, or at my work. But they failed to uphold the law. Their failure to do so is suppose to be a result in charges being filed against you with the State and Federal regulatory agencies empowered with enforcement. Im looking for proper remedy in which case to have this removed from my personal credit report. | ||||||
| 03/20/2016 | Yes |
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| I became eligible as a XXXX with 5 years experience to receive XXXX loan forgiveness on XX/XX/2014. I submitted the appropriate paperwork and was denied and told that I was ineligible. A year later after realizing that their was an easy database accessible to the public showing title I schools, I notified them that they made a mistake and resent the documentation to prove it along with my original application. Fast forward through much incompetence with only a few highlights mentioned below, I am now on my XXXX XXXX loan forgiveness application and continue to be denied due to paperwork issues. Contact with the company is nearly impossible, and their typical response is to disregard any actual questions and respond with a blank application. To add to the negligence I 've experienced with this company ( as per an advocate representative I was finally able to contact after submitting a complaint with the XXXX ) " somehow '' the electronic contact with my online account was " accidentally '' turned off and they 've resorted to mailing me information in response to each loan denial. Because of the " accident, '' now each teacher loan forgiveness application denial takes two months instead of one. In the mean time they raise my interest while my loan is in forbearance, and then send me another technical issue that needs to be addressed in the application -- even though the issue is not mentioned in any of the other denied applications. In the last letter, Navient told me to use the incorrect acronym for my XXXX, saying that their issue was that they could n't recognize that XXXX XXXX XXXX XXXX was the same as XXXX, the correct acronym XXXX used for title I registry during my first two years of service. Similarly, as a XXXX in a commonwealth, we do n't have a county system, and yet I am continually asked to name a county in the application when the information is not applicable. My email sent to Navient to clarify this and ask what should be done was answered with another blank application. XXXX XXXX XXXX, the first and only person I 've been able to reach on the phone suggested that I " make one up. '' Surely this would warrant yet another denial letter that would take several months to generate. It is clear that Navient is wasting as much time as possible in granting the loan forgiveness because of the money they will lose on my account. I can imagine that the only actual money they make from my loan payments is in the interest, and in the last year and a half they have now been able to generate an easy {$1500.00} plus that would n't have been possible if the principle had been reduced by {$17000.00} as is promised by the federal government. It is a terrible travesty that a company of this nature is able to take advantage of someone who has dedicated over 5 years of their life to the XXXX in a disadvantaged environment. Navient is acting as a bouncer claiming that the Federal Government has strict guidelines when it comes to loan forgiveness. Another XXXX in my XXXX who has a different loan carrier was awarded loan forgiveness without any issue. This XXXX used the same paperwork and the same chief administrative officer from our XXXX who just keeps scratching her head each time I come in to fill out yet another application. | ||||||
| 01/21/2022 | Yes |
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| To whom it my concern, This is my story regarding my private loans that were taken out for XXXX in XXXX. I hope you can assist me in discharging the loan. In XXXX I visited XXXX with a friend who was enrolling into the XXXX program. Little did I know I would also join after a lot of heavy sales efforts from XXXX, XXXX XXXX admissions. They made promises regarding job placement, connections, and scholarships. I attended in total less then 6 months and amassed over XXXX in private loans. I was intrigued by their XXXX program after admissions and their career team took me through the many job connections and large salaries their graduates were making. For a young man to potentially make XXXX starting was extremely enticing. They had lots of swag from companies to hand out and sold me on their graduates of the XXXX program. Little did anyone know at the time this was completely a lie. I began to questions their ethics when I was receiving A graded work and couldn't understand the mot basic parts of XXXX I complained to the teacher and dean both of whom assured me I'm doing great and will have a lot of opportunity with career services. As I continued to receive A 's but couldn't do the basics I again complained but this time was ignored. I left the program in 6 months with federal and private student loan debt. Here is where it gets into a hardship ; In XXXX I filed for XXXX bankruptcy but was not granted discharge of my XXXX private loans. Navient made me pay and use aggressive collection efforts when I could not. They offered no solution other then pay or face penalties and garnishment even though I was bankrupt. There was no light at the end of this tunnel until borrowers defense started helping students who were defrauded by XXXX. I applied in XXXX, and again in XXXX both were denied, federal and private. I was a student defrauded by XXXX in XXXX yet since it didn't happen on or after XXXX I was denied. I did not complete any program with XXXX and left the school due to their questionable practices and requirement of taking out private loans. Yet I couldn't get reprieve from bankruptcy court, or borrowers defense. In XXXX of XXXX I did a forbearance on these loans because I needed the money to feed my children. I lost my job due to the pandemic In XX/XX/XXXX, and have turned in over 65 applications with no return. My unemployment ran out long ago, as did our savings, I have no other options. I will have to do forbearance on these loans indefinitely causing financial hardship and penalties. It is the only solution Navient will grant me. This is not fair to me or my family. I was defrauded, I have over XXXX in private XXXX loans to this day. The interest will compound, my credit will sink, and my families present and future will be at risk. I'm not asking for discharge of my federal loans associated with XXXX, only the private. I can assume the responsibility of paying back my federal loans. But come XX/XX/XXXX when the repayment begins on the federal loans I will not be able to pay anything to the XXXX Navient private loans and will once again head down a path of possible bankruptcy to seek this discharge. Please help us, Id like for my XXXX year and XXXX year old to have a healthy present and future. XXXX XXXX | ||||||
| 07/12/2017 | Yes |
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| I have four loans that I have been making payments on for several years, while I attempt to get a XXXX XXXX degree. In XX/XX/XXXX 2017, 2 of those loans came due for payments. After a notification that I had a past-due payment, I called Navient to question what the payment was, as I had automatic payments set up through them for the last several years. At that time, I was informed that the two loans had become due. I requested that all my now due loans be consolidated into one payment, so I would no longer have past-due payments. After being on the phone for almost an hour, I was assured that this was handled, and I received the new payment amount of $ XXXXmonth. I also requested at that time that my automatic payment amount be changed to reflect the new amount. I was assured once again, that this would be done. I received a call in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, notifying me that I had past due amounts on my loan. At leach of these calls, I explained that I had already taken care of this matter. They apologized and assured me it was taken care of. On XX/XX/XXXX, I spoke with an agent named XXXX and explained this situation for the 5th time. I made the past due payment of {$29.00} and she once again assured me that ALL my loan payments will be consolidated and in one payment. Once again, this was NOT done. I received another call on XX/XX/XXXX, stating that I had a past due amount of {$29.00}. I immediately asked to speak to a supervisor to resolve this issue, as this was the 5th month in a row I have dealt with this issue. I spoke with a supervisor, XXXX XXXX, and went through the automated system to " sign '' the agreement, which had not happened at any previous time. In the middle of the recording, the phone call dropped. On XX/XX/XXXX, I received a call fro Navient stating that I had a past due payment. I explained that I had just spoken with someone the week prior. She stated that because the recording had not been completed, the authorization never went through. I listened once again to the recording and " authorized '' it. I again spoke to the agent and she was certain that this issue was taken care of. On XX/XX/XXXX, I received another call from Navient, this time informing me that my account was past due {$0.00}. The agent asked me if I was willing to make this payment and I told him that was ridiculous and I was not making that payment. On XX/XX/XXXX, I received another call attempting to collect {$0.00}. I spoke with a supervisor and explained that I had been dealing with this issue since XX/XX/XXXX and it was absolutely ridiculous that they were calling me for {$0.00}, when 5 days before, I 'd been on the phone for 45 minutes. I was informed that my only options were to request a deferment on that {$0.00} or make a payment. I stated I would go ahead and make the payment. Of course, the system that 's used wo n't process a payment that small, so I ended up having to pay {$1.00}. Since that day, I have received a call every day asking me to make a {$0.00} payment, because " it takes several days for the payment to post ''. These calls have gotten to the point of harassment. I have looked for another company to refinance through, but because of my " late payments '', no one will take my loan over. | ||||||
| 08/24/2016 | Yes |
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| All my student loans ( private and federal ) went into repayment status at the XXXX. I had financial issues ( due to being a widow ) shortly after the loans went into repayment status. I made a payment on XXXX, XXXX to bring them current, then was not able to make payments on XXXX, XXXX and XXXX. In XXXX XXXX I made a payment that covered all the past due payments on all of my student loans, both private and federal. I continued to make monthly payments after that until around XXXX XXXX, a month after I started back in school. I sent information to all lenders about my school enrollment and when I received a bill that XXXX from Navient stating I still had a payment due I called and requested an in-school deferment. They sent me to their website to print the form and told me that it may take a month or so for it to be processed at which time everything would be reset to current. It was n't until XXXX, when I received yet another " past due '' bill that I was told that my private loans had been charged-off in XXXX and I did not qualify for deferment. I explained that I had not received any notices and that I had been submitting my payments online ( as always ) and all my loans showed " current ''. I then made a complaint with the XXXX about the situation and proceeded to submit a payment to cover XXXX thru XXXX of XXXX for those XXXX loans. I received a letter from Navient answering the XXXX complaint, explaining that my loans were current ( and I was being charged regular re-payment status interest ) because I was making monthly payments but that they were still charged off. I called them to explain that the letter did not make sense, as an account ca n't be current and charged-off at the same time. I have since made monthly payments online on the private loans, even though all my federal student loans qualified and were put on the income-repayment program after I graduated in XXXX XXXX as I am currently unemployed but searching for a job. Last week I received a phone call from a Debt Collection agency in New Jersey stating that my Navient account was charged-off in XXXX XXXX and sold to them the same month. I explained the whole situation to the representative and even showed him proof of my monthly payments that I do online on the own Navient website and how my loans show " current '' with an amount due on the XXXX every month and an updated balance. He was very understanding and even told me that he did not understand what was going on and that my account should not even be with them and should not be still reported charged-off like I was not paying it, when I have been making monthly payments ever since it went into repayment status and they informed me I would not qualify for any deferments on the private loans. I feel like I am being penalized for something I am not doing and that Navient is benefitting from both reporting a charged-off account on their books but telling me my loans are " current '' and charging me interest and repayment as if they were not reporting it as charged-off to the credit bureaus. How can my loan be current and charged-off at the same time? I believe there is something un-ethical if not illegal going on with my account and I can only wonder if this is " normal practice '' for them. | ||||||
| 02/17/2022 | Yes |
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| Several years ago in about XXXX - XXXX I had applied for a student loan thru XXXX XXXX ( Navient ). Thinking I was getting a good student loan to complete school and make a good life for myself. After I completed the loan application I was contacted by XXXX XXXX and told that I only qualified for a loan they labeled " Career Training Loan ''. I thought I was getting a good Federal student loan with a good interest rate. When the loan documentation arrived to me it showed that I had a Private loan with a very high and adjustable interest rate. I was very unhappy so I called to speak with a manager at XXXX XXXX. I was livid when I learned that they gave me a private loan with such a large interest rate. When asked why they gave me such a horrible loan the Manager told me " well you signed the box! '' I was forced to try to move forward coping with the fact that I was completely deceived on my loan. Over the course of Several years while repaying the loan I often dealt with horrific acts of what I call unethical service. Several times I sent a monthly payment in to XXXX XXXX and then later received notice that my payment never arrived and I was charged late fees. In more that one instance I even showed XXXX XXXX my bank statement where they had deducted the money from my account and I even had the check at the bank they had processed. They didn't even acknowledge either of these documents as proof. They made me write them a letter of dispute until the issue could be solved. In my opinion this is the worse company on the planet. They do nothing but lie, cheat and deceive people who are just trying to get money to go to school and make a life for themselves. I am not an expert at reading loan documents but they took full advantage of that and gave me nothing but a loan that made them a killing and kept me in unnecessary debt much longer than should have been allowed. This entire experience had deceit written all over it from day one. XXXX XXXX should be dissolved and banned from ever practicing business in the XXXX. I am hoping this helps prosecuting all involved in such unethical practice. Those of us who wasted our time and money on such deceitful loans deserve to be compensated for our over payments and ridiculous interest rates. Another problem I often had for several years was that fact that I could never understand why I didn't receive any Tax info from XXXX XXXX during tax season. I was always told by XXXX XXXX that they weren't required to send me tax info for tax purposed because my loans didn't qualify for any tax deduction. At one point I even got the IRS involved and wrote a letter to the IRS to get their authorization to investigate the situation with XXXX XXXX. That's when I learned thru the IRS that " private loans '' were the reason I didn't receive any tax information on my loans from XXXX XXXX. Just one more example of the crooked way they do business. Every year I would have to print off my own payment schedule with XXXX XXXX and submit it thru my accountant at XXXX time. This was the only way I could prove what School loan interest I paid. Because of this inconvenience, every year I could not even efile my returns. I had to file a paper return every year until my loans were eventually paid off. | ||||||
| 01/27/2017 | Yes |
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| XX/XX/2006 I applied for a XXXX loan from XXXX XXXX ( which is now Navient ) in the amount of {$10000.00}. At the time, I was a student with no income and so I had my then husband co-sign the loan for me. My husband and I subsequently divorced a few years later and about a year ago I applied to have my ex-husband removed from the account. The criteria listed on Navient 's website that would qualify a borrower for co-signer release is the following : 1. Provide proof of successful completion of school, 2. Be a U.S. citizen or permanent resident, 3. Be up to date and have made 12 consecutive on-time payments of principal and interest immediately before applying, and 4. Pass a credit check including income verification when the release request is processed. I did not hear back and figured it had been approved until my ex-husband called and asked about the release. I called Navient and was told that my application had been denied due to " insufficient income. '' I was shocked to hear this considering that, at the time, I earned an annual salary of {$110000.00}. To put it in perspective, I took home approximately {$5600.00} a month and the Navient payment on my total loan ( including another small loan ) has been about {$150.00} a month. At the time I was denied I also had fulfilled the other three requirements and, in fact, had made every payment over nearly ten years on time ( 12 consecutive on-time payments are required ). I was told that there was no appeals process and that I had to re-apply. Upon re-application, I was again denied. This time Navient cited " serious delinquency, public record, collection on file // balances on revolving accounts too high in proportion to limits //proportion of loan balances to loan amounts too high // amount owed on accounts is too high // insufficient income. '' Although my credit is not spotless, this explanation does not accurately reflect my credit profile. Nor does it, once again, make sense that I would be rejected based on " insufficient income, '' especially considering that, at the time of the re-application, I was earning over {$XXXX} a year. Moreover, Navient does not provide any defining criteria for what constitutes " passing '' a credit check. As most people know, one lender may approve you based on your credit score/report while another may reject you. Thus, the requirement of " passing '' a credit check is wholly arbitrary and does not give the borrower an understanding of why he or she would be denied release of a co-signor. As XXXX XXXX XXXX, an adviser for XXXX opined, in order to release a co-signer, " the primary borrower needs to demonstrate that he has the tools, knowledge and experience to be successful in repayment on his own. '' As outlined above, the fact that I have paid on time every month for, not only the required time period, but for nearly ten years, that the monthly payment on the loan is XXXX of my monthly take home pay and that my credit is sufficient given the other factors, I have clearly met Navient 's criteria for release of a co-signor and demonstrated that I can successfully make the loan repayment. My repayment profile offers absolutely no risk to the creditor, and the co-signor should be released immediately from the account. | ||||||
| 03/16/2017 | Yes |
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| I XXXX believe that there is an oversight from a regulated student loan vendor as to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The student loans were eventually merged into one loan, and these loans structured by a third party were handed off to NAVIENT, and they never came out of a deferment status while they remained with this agency. There are several discrepancies with each pertinent credit reporting agency, such as follows : XXXX - States that it was transferred from XXXX XX/XX/XXXX. The loan never left a deferment status with XXXX, yet NAVIENT shows a negative e payment history from XX/XX/XXXX, and on several dates, both before and after the transfer date. NAVIENT and XXXX are the same company and have recently lost their status as a bill collector for the United States Department of Education. There is no payment history which validates that the loans were always in deferment. The procurement date was XX/XX/XXXX with XXXX, now NAVIENT. At no time was this consolidated loan in payment status, and the date of the credit information obsolescence has longed passed. Essentially, XXXX should have this trade line deleted permanently, but there will be no complaint filed with the credit bureau without first trying to resolve the matter with Navient through the Consumer Financial Protection Bureau ( CFPB ). XXXX - States that it was transferred from XXXX XX/XX/XXXX. The loan never left a deferment status with XXXX, yet NAVIENT shows a negative e payment history from XX/XX/XXXX, and on several dates, both before and after the transfer date. NAVIENT and XXXX are the same company and have recently lost their status as a bill collector for the United States Department of Education. There is no payment history which validates that the loans were always in deferment. The procurement date was XX/XX/XXXX with XXXX, now NAVIENT. At no time was this consolidated loan in payment status, and the date of the credit information obsolescence has longed passed. Essentially, XXXX should have this trade line deleted permanently, but there will be no complaint filed with the credit bureau without first trying to resolve the matter with Navient through the Consumer Financial Protection Bureau ( CFPB ). XXXX - States that it was transferred from XXXX XX/XX/XXXX. The loan never left a deferment status with XXXX, yet NAVIENT shows a negative e payment history from XX/XX/XXXX, and on several dates, both before and after the transfer date. NAVIENT and XXXX are the same company and have recently lost their status as a bill collector for the United States Department of Education. There is no payment history which validates that the loans were always in deferment. The procurement date was XX/XX/XXXX with XXXX, now NAVIENT. At no time was this consolidated loan in payment status, and the date of the credit information obsolescence has longed passed. Essentially, XXXX should have this trade line deleted permanently, but there will be no complaint filed with the credit bureau without first trying to resolve the matter with Navient through the Consumer Financial Protection Bureau ( CFPB ). All references to a NAVIENT account must be deleted immediately and permanently!!! | ||||||
| 10/27/2015 | Yes |
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| I am currently completing my XXXX degree at Oregon XXXX XXXX XXXX XXXX XXXX classes remaining ). I have a previous degree XXXX from XXXX XXXX XXXX XXXX. 2009 ), where I took out several private loans that are now in repayment. I have no complaints against my schools, my problem is with my lender, Navient. My apartment caught on fire last XXXX. I had to move unexpectedly and this drained my savings and maxed my credit card. I also pay much higher rent now, since I did not have time to shop around for a more affordable apartment. I changed jobs in XXXX and had only three months to repay {$2300.00} to my former employer for tuition reimbursement I had received while working there. I make about {$490.00} weekly. This is not enough to cover all my bills and debt, so I fell behind with my student loan payments. I am about 60 days behind on my payments, but I have made some partial payment, whatever I could afford, every month. I have been in contact with Navient weekly since XXXX. I have explained my situation and begged for new payment arrangement since I simply do not have the money and will not for a few more months. They will not work with me not matter how many times I explain my situation. I fully intend to pay my loans back and I have made every effort to repay what I can, but again, I simply do not make enough money. Furthermore, Navient reps are rude, completely lacking in sympathy and they refuse to make special arrangements for my situation. I am trapped in this endless cycle of 'you ca n't change your payments unless your account is current ' and 'I do not HAVE the money to make my account current '. They are now threatening to send me to collections and garnish my wages. I did not choose Navient as my lender. I originally got these loans with XXXX XXXX and then Navient took them over. I have a decent track record of paying on time the past several years. Obviously it is not easy since I an still in school, but I always call to make arrangement if I know I 'll be late. I am trying to consolidate my loans with a new lender, probably XXXX XXXX since I hear they have resources for financial hardship, but again, I can not consolidate my loans until my account is current. Navient is also vicious when it comes to phone calls shaking me and my family down for money. I get daily calls, including robocalls on weekends, telling me to call whether there is an agent to speak to or not. My parents are cosigners on XXXX loan ( which is current!! ), yet they are also getting endless robocalls from Navient for loans they have nothing to do with. I do not wish to do business with Navient anymore and I want to know about any legal options I have in this matter. Every other financial service I 've had- auto loans, credit cards, XXXX work with me personally and treat me like a respected customer. Navient reps, on the other hand, treat me like I 'm a fraud trying to dodge payments and they will not come up with personalized payment plans based in my financially strained circumstances XXXX which are not going to change any time soon, by the way ). I have to work with my lender for the next 25-50 years, and Navient has shown me they are incapable of working with me to arrange long term payment solutions. I want out. | ||||||
| 02/25/2018 | Yes |
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| My dates with working along with XXXX which is now considered to be called NAVIENT-XXXX XXXX now. Is that i have noticed over the past few years that not only have i spoken with several reps regarding my current situation at this time on not being able to pay anything on my loans at this point, but also to have my current loans forgiven completely at this time. However NAVIENT have continue to abuse my lack of knowledge on knowing what to do so therefore repeatedly putting my acct in the status listed below. # 1 : FORBEARANCE : Which putting my acct in such a plan will only allow my acct to collect/ occurred more higher fees onto my {$33000.00} loan and making this outstanding illegal debt to only grow higher # 2 ) Deferment : Now to me from what i can understand this only pushes the loan out only to a point where your other paper work is either still being processed or again occurring more fees onto my {$33000.00} loan only to make it higher over the years to come. Not only am i an innocent victim here who only tried to further/ better her life as well as her education but also tried to find and trust a University as well as the Loan company with my personal info as well as hoping to build a brighter future. Not only am i a victim to such horrible unlawful which should be illegal behavior towards Navient-XXXX XXXX, but come to find out millions of innocent students are a victim as well.. Navient also took part in knowing that my University was previously sued back in XX/XX/XXXX ( XXXX XXXX XXXX ) and lost the case due to Defrauding, and abusing innocent students such as myself by using our personal info and lying on our apps/ documents just to defraud the Government so the University could received funds off of the student only to benefit them as enrollment counselors as well as to benefit the University.. Upon NAVIENT knowing such info the company still decided to use and abuse me and place on my credit report several high unpaid loans only to sabotage my creditably and to make me a weak helpless victim ... Not only am i not able to afford such out of control bill, but i live along caring for a dad back home in Ga who has XXXX XXXX XXXX not to mention i have had XXXX XXXX myself on XX/XX/XXXX and on bed rest for the next 2-3 weeks prior this taking place in my life/ finances the ER Doctor also diagnosed me with " XXXX XXXX '' back in XX/XX/XXXX stating headaches are stressed related which my stress has been caused by harassing phone calls from Navient Reps on out of control {$33000.00} bill.. I have attached documents showing where my University was sued and that Navient is the loan company for this University on my acct. Also i do not feel that NAVIENT have done enough to get students such as myself into the " IDR '' ( Income-Driven re- pymt plan ) but only lead myself the student into high " Forbearance instead ... Please do refund me/ deposit back into my checking acct only the " Interest Rates '' that was charged onto my accts/bill during the time my acct was placed under/ in " FORBEARANCE '' only to make this loan much higher ... Navient Address : XXXX XXXX XXXX : XXXX, PA XXXX : Ph # XXXX My Navient Acct # XXXX Bank : XXXX : PH # XXXX Routing # XXXX Acct # XXXX Sincerely, XXXX XXXX | ||||||
| 05/01/2018 | Yes |
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| To Whom It May Concern : I am writing to report conflicts on my Credit Report by Navient, the Department of Education Loan Servicer. I started college at XXXX University in XXXX XXXX Michigan with the first loan started in XX/XX/XXXX thru XX/XX/XXXX. I graduated with a XXXX XXXX XXXXXXXX XXXX in XX/XX/XXXX. My loan payments were on a grace payment for 6 months which brings the first payment due in XX/XX/XXXX. I was continually in school for 3 years. The loans should all have the same information reported due after the 6 month waiting period. I had delayed my payments with deferments and forbearance payments due to the economic downturn when I was on unemployed. The next phase was helping to send all XXXX children to school and helping them pay for college. I am in the process of consolidating my education loans and in reviewing my credit report, there is a some very confusing inaccuracies. The dates provided show different historical accounts for the same date range period reported. XX/XX/XXXX XX/XX/XXXX - 2 different counts of over 90 days. 1 states 11x and another states 13x XX/XX/XXXX XX/XX/XXXX - 2 different counts of over 90 days. 1 states 10x and another states 6x XX/XX/XXXX XX/XX/XXXX - 2 different counts of over 90 days. 1 states 13x and another states 11x XX/XX/XXXX XX/XX/XXXX - 6 x over 90 days XX/XX/XXXX XX/XX/XXXX 6x over 90 days XX/XX/XXXX - XX/XX/XXXX - 6x over 90 days XX/XX/XXXX XX/XX/XXXX - 6x over 90 days XX/XX/XXXX XX/XX/XXXX - 2 different counts of over 90 days. 1 states 11x and another states 13x XX/XX/XXXX XX/XX/XXXX - 6 x over 90 days XX/XX/XXXX XX/XX/XXXX - 0 x When you review, for example, how can I have XX/XX/XXXX XX/XX/XXXX have 11x and 13x late counts, but then you have XX/XX/XXXX XX/XX/XXXX with 6x late. Also, why are they only reporting late payments after 90 days, there is no count for 30 or 60 on my report. I have 17 different loan pulls from the period of XX/XX/XXXX thru XX/XX/XXXX. They have 28 different trended data on my credit report. These loans are all under one account and are all due on the same date. I have always called in when the dates are due for review. Navient just recently sent me an email stating We noticed that you aren't receiving important information electronically.In one click, you canchoose eDelivery and start receiving I am currently requesting a consolidation loan because they are so confusing with their deferment/billing process. I am requesting that all negative information on my credit report be removed by Navient. I was on a deferment or forbearance during this time frame. My deferment is now until I receive the consolidation loan until XX/XX/XXXX. I have contacted Navient, Department of Education and they will not work with me. I have contacted the 3 Credit Reporting Bureaus. They have been in contact with them and some of them have been corrected, but not all. I can not trust any of their reporting because it had different dates for the same account and it is ruining my credit. I would truly appreciate if you can assist me in this process. I am trying to repair my credit so that I may secure a future mortgage. I am also attaching a copy of the information on my credit report with examples of Navients inaccurate reporting. | ||||||
| 05/05/2018 | Yes |
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| I have been on a income driven repayment plan for a few years now and every year I call, give them information and every year they tell me, from my information it doesnt sound like you can afford even those payments, how will you stay current with the payments if we place you on the income driven repayment plan? Every year I make all payments on time. This year I called to get a good idea of what my payments would be, so I could get approved for a home loan. I was informed every time I enroll in the income driven plan, my payments go up by 5 %. So every year I have to assure them I can make a payment they see I cant afford and every year they are going to charge me more. On top of that, they are now only allowing 6 months of income driven repayment enrollment which means every 6 months no matter my money situation I will have to pay more and more. Being a single mom of XXXX with no child support is stressful enough. This year when I informed them I was buying a home, they instantly decided I no longer needed to be on an income driven repayment plan. The rep I spoke to stated if youre buying a home clearly you have the money to make a XXXX payment. I tried to tell her, the home purchase was a smart move as, rent for 2 bedrooms is anywhere near 800 to 1,500 in this area. My rent now is XXXX and the house payment would be XXXX. She said then you can afford the XXXX. I said yeah but I wont be able to feed my kids. I eventually just requested a manager, who listened and let me get back on the income driven repayment plan. My payments went up, yet again and again, she said you cant afford this payment either from our calculations, can you tell us how you plan on making them? I entered into this private loan under false pretenses with XXXX College, the Rep XXXX, couldnt get me a student loan and advised to get a private loan, dont worry about the interest, as soon as we can get you on a federal loan, Ill resubmit and give these funds back to the private Sallie Mae lender. She never did as she stated and now Im stuck with this loan, which will continue to increase every 6 months, if they still offer this plan again in 6 months. I cant get help and Im at the mercy of Navient or jump on board with a group that offers help but could also be a scam. One such offer broke down my student loan payments, which I will submit below. I have paid more on this loan then they disbursed. Ive been paying on this loan for nearly 10 years and I still owe over 23,000.00! They only disbursed XXXX! How is this even legal!? By the time Im done with income repayment plan, I will have paid over 50,000. Because they allow the interest rates to fluctuate. Im beyond frustrated and cant get help because its private school loan. Im glad XXXX went down as I never did find good steady work with XXXX and they never did really help with job placements or resumes. Then Navient stepped in just to solidify XXXX over the hopeful student trying to better their life. I also found out, getting a good solid paying job in massage therapy where you can actually pay your bills. I honestly believe schools like XXXX and Navient are in on it together and both benefit greatly by XXXX over young adults and getting them into mountains of debt. | ||||||
| 02/16/2018 | Yes |
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| Since XX/XX/XXXX, I have called Navient to work out a payment plan for a loan I have been paying since XX/XX/XXXX. In fall of XX/XX/XXXX, I called to let them know ahead of time I was going to be missing the next payment and asked if there were any options available. They said they could not offer to help me until I already missed the payment. After I missed the payment I called because I still needed another month as I was really behind. Long story short, they offered me a repayment plan at a higher rate to compensate for the interest that accumulated. It was more costly than I could afford, however, in good faith I set up 12 consecutive payments over the phone. ( ( XX/XX/XXXX ) ) Again, the payments were really taking a toll now that they were higher on what I could pay. I called again about missing a payment. They offered to do an income based analysis. Due to the fact my account has a co-signer ( my father who is cosigner for my siblings who are also defaulting on their loans ) they would not consider my income. I could no longer pay. Eventually after a month I picked up one of the phone calls for Navient. Now, they were able to do an income based payment. My payment dropped {$5.00}! I denied that offer, as I was unable to afford it. I was told over the phone if I could make a {$100.00} payment today and schedule 3 consecutive payments, my loans would get out of default. I agreed and payed the {$100.00} but again, my monthly payment increased once more because of falling behind. These payments were up around {$300.00}. I paid those three months. I stopped paying my car insurance, kids school tuition, and my bank account was severly overdrawn because I could not afford {$300.00} and buy food, car insurance, or utitlities. I have now lost two bank accounts to negative balances since I set this payment up about 4 or 5 months ago. ( ( XX/XX/XXXX ) ) I received another call and was told since it shows on the records I've been trying to make payments they can offer a lowered payment plan to me. 1 % interest for 6 months and a payment as low as {$87.00} for 6 months at which point I could renew. I set up my first payment and then received a notification I was not approved. I make {$12.00} an hour XXXX hours a week. Rent for me and my XXXX kids is no less than {$900.00} a month. I cant afford that so I moved in to another house with someone and I pay water sewer and electric a month {$400.00} a month. After going through my expense with the rep. at Navient, I was told my left over month for the month was {$75.00}. So the {$87.00} they were allowing me to originally pay was more than what I had but I could come up with that. At this point, I am receiving 6 to 7 phone calls a day and on an automated service. I have NEVER agreed to them calling my number by automatic dialer and they can send mail. I understand they can manually dial my number. I have paid my loan for 8 years. I am someone who has every intention of paying back every dime. I have paid thousands of dollars towards this loan. There is no program that is going to help me catch up and when they tell me there is, I am denied at a later date. These calls need to stop! 39 calls in the last 5 days is unacceptable on any level. | ||||||
| 01/15/2019 | Yes |
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| I called to follow up with Navient regarding additional information about my loans. I was not understanding why I still owed close to the amount that I initially took out back in XXXX and or XXXX. I think it is also important to include that I filed a complaint with CFPB on XX/XX/XXXX complaint number XXXX-XXXX. Today when I called Navient, starting at XXXX, once I put in my social security number to pull up my account, I got a message saying that " the office is now closed. '' I found this strange because I called around the same time on XX/XX/XXXX. I looked on-line and called 3 other numbers with the same response once I put in my social security number. I called the original number one last time at XXXX however this time I did not put in my social security number. Each time it prompted me to put in that information I said " customer service. '' Magically my call was then directed to a customer service agent. Once I was able to talk to someone, they informed me that in XXXX I Called looking for a lower loan payment and that I agreed to an " interest only '' repayment plan. I was really taken back because I don't understand how I was told I was not able to change any payment plan because of something I clearly didn't understand was just interest. Considering when I log onto my account it says " estimated payoff date is XX/XX/XXXX. I am not sure how that is even a possibility given the information she gave me. On the loan details it says " rates are set by lender '' when I asked who the lender was, she stated Navient. I was told the interest rates are based on the stock market rates from when I took out the loan. I also asked at what point does the interest rate cap. The response was that " it does not have a cap. '' I asked what is legal, and she told me the lawyers looked at it so its legal. I went through all of my loans and I don't believe the interest rate is based on the market when I took out the loan because there is a loan that I took out in XXXX that is at 7.5 % and 2 others that were taken out in XXXX that are at 12 %. The customer service representative told me there is nothing she can do for me other than place my loan in forbearance. I said I was calling about trying to get my loans paid off. Interestingly enough when I brought up the fact that I had called 5 different times and when I put in my social security number and it said the office was closed. Her response was " what are you getting at? '' Well, what I'm getting at is that I find it oddly coincidental that I filed a complaint and was not able to get through to an agent until I didn't identify my account. It was then that she said my best chance was to have another bank buy out my loan. Literally, this was the first time anyone from Navient said that. Also, this is the first time anyone made mention to a repayment plan that I ( guess ) I agreed to in XXXX. I took picture of my call log and actually went back and called the number and went recreated the response to answering my call. the first time I put in my social security number and the " office was closed '' ... .I called back and did not put in my social security number and again, magically, I was connected to a representative. I will be happy to provide the recording. | ||||||
| 01/25/2023 | Yes |
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| On Saturday, XX/XX/XXXX, I mailed via certified mail ( # XXXX XXXX XXXX XXXX XXXX ) a VALIDATION OF DEBT notice to Navient Solutions LLC, which they received on XX/XX/XXXX, in dispute of an alleged debt Navient claimed I owe. In said notice, I offered Navient 15 days to provide me with evidence of my indebtedness ( the original lawful contract, name and address of the original creditor, name and address of the holder in due course, documentation of XXXX accounting showing off and on ledger accounting, etc. ). Having not received the requested documentation of indebtedness from Navient within said 15 days, on XX/XX/XXXX I mailed via certified mail ( # XXXX XXXX XXXX XXXX XXXX ) a NOTICE OF FAULT AND OPPORTUNITY TO CURE letter, which they received on XX/XX/XXXX. In said letter I reasserted my consumer right to request evidence of my alleged indebtedness. I offered Navient 10 days to provide me with the requested evidence of alleged indebtedness, to which again they did not respond. Remaining in honor while protecting my consumer rights, on XX/XX/XXXX I mailed to Navient via certified mail ( # XXXX XXXX XXXX XXXX XXXX ) a CEASE AND DESIST NOTICE and an AFFIDAVIT OF TRUTH, which was received by Navient on XX/XX/XXXX. Again I offered Navient 10 days to honorably address my dispute and provide evidence for their claim. On XX/XX/XXXX, Navient reported delinquent payments to my credit report to all three credit bureaus, XXXX, XXXX, and XXXX, on an alleged debt that was in dispute, dropping my credit score over 100 points. They also reported the same information to my parent 's credit file, the co-signers to the alleged debt. This is a gross violation of my consumer rights, discrimination, and harassment, all of which are a clear violation of the FDCPA. In response to Navient 's actions, I continued my private administrative process by mailing them via certified mail ( # XXXX XXXX XXXX XXXX XXXX ) a NOTICE OF DEFAULT AND CONSENT TO JUDGMENT and a notarized CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM letter. In said letters I acknowledged again that Navient had yet to provide me with proper evidence of my indebtedness. Remaining in honor once again, even though they had unlawfully reported inaccurate private information ( identity theft ) to the credit reporting agencies during an open dispute, I again offered Navient one final chance to provide me with bonified proof of their claim. I even offered to accept their claim should they provide the proper evidence for it. Each of the letters mentioned in this complaint I also mailed via certified mail to XXXX XXXX, Navient 's CEO, XXXX XXXX, Navient 's XXXX, and XXXX XXXX, Navient 's XXXX, none of whom have lawfully responded to my dispute. This whole process has been a gross violation of my lawful consumer rights, and during this private administrative process, I and my parents, the co-signers, have been unjustly discriminated again and harassed. Navient has continued to try to collect on an alleged debt that they have provided no evidence for. I demand that appropriate legal action be taken for this issue to be remedied. No person should have to suffer what I, and now my parents, have suffered to simply be provided lawful evidence of indebtedness. | ||||||
| 04/19/2017 | Yes |
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| In my fi rst three year s of repayment I was on an income based repayment plan. Because my income was low, I had a very low payment, then no payment due at all. For this reason, the interest on my subsidized loans should have been paid by the Federal Government. There is no information on Navient 's website about how the subsidized interest is paid. Despite not having a payment due, I continued to make payments on my student loans. Because I had no payment due, the option for me to choose how my payments were allocated was not available on the website. During this time I paid thousands of dollars of interest, including the interest which should have been subsidized. I called and asked repeatedly to make sure that I was not paying subsidized interest because the numbers did not seem to add up to me ; month to month there was a large variation in the amount of interest I was paying. I was repeatedly assured I was not paying subsidized interest. At the end of XXXX I called again to make a payment ( this was the only way I could choose the allocation of the payment ) and asked again to make sure none of my payment was going towards subsidized interest, the customer service rep explained to me that the Government pays subsidized interest on a quarterly basis. If I had made payments in between quarters, subsidized interest would have accrued and my payments would have been applied towards the subsidized interest as well. She sounded surprised this happened and apologized. I asked her to correct the mistake and she said she could not. I spoke to a manager and he also said the mistake could not be corrected. I contacted a complaint office with the Dept of Ed to make a complaint, they took my complaint but the work of that office was shifted to another office and my complaint was never brought from the Dept of Ed to Navient. I made a new complaint with the new Dept of Ed Office fo r Complaints in XXXX XXXX . Several weeks later I was contacted by XXXX XXXX at Navient and was told they were looking into my complaint. I 've contacted XXXX twice for updates via email and every time I get the same automated message that she is reviewing my concerns and will contact me when she has more information. Further, in XXXX , just after Navient took over from XXXX XXXX , Navient capitalized approximately {$20000.00} of interest because they said I did not submit my income recertification on tim e ( th ey accepted it 2 days late ). I was late in submitting the recertification because I had moved abroad for a job and was having a difficult time procuring the correct information to give Navient, they seemed really unsure about how to handle my situation because I was not required to pa y US in come taxes at that time. At the time I was not warned that the interest would be capitalized, I was only told that the amount of my payment would go up. I 've long been frustrated with the income recertification process. It should only happen after taxes are due ( XXXX XXXX for residents abroad ) and they should not be able to penalize you by capitalizing on interest, particularly if you do n't end up switching repayment plans, as I did not, I remained in the IBR plan with a XXXX due monthly payment. | ||||||
| 06/26/2019 | Yes |
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| Company=Navient. Issues RE how account has been handled, collected, misrepresented, credit reporting, 2 loans attached that are not mine contributing to an inflated principal to collect higher interest payments. Navient currently owes me estimated thousands in overpayment refund. Despite my insistence of overpayment, and my dispute of legitimacy of debt they continue to garnish my accounts. Also, in a recent letter to me Navient States Unfortunately, Navient on behalf of XXXX XXXX. XXXX, XXXX can not provide you with 1098-E for the tax year ( s ) XXXX, XXXX, XXXX, XXXX, XXXX. ( They omitted XXXX - ) Please accept this letter as evidence that you paid XXX $ $ accrued interest. Im not sure that is even legal! I have 6 loans 3 sub/3unsub dating from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX total principal {$15000.00} at 6.8 % fixed. Since XXXX I have been being charged for two additional loans totaling {$6800.00}! These loans have no paper trail. Navient presented me with a copy of my original application for student loan as their proof of legit thats it! Further just because a student qualifies for a certain amount of loans does not mean they utilize the full available amount. So students beware! Also, there is no disbursement record of these two loans nor do they coincide with any student accounts/funds received on my behalf through the University either. In XXXX my family suffered a tragedy to our child with multiple hospitalizations. XX/XX/XXXX Navient found in me in default! By XXXX I was in hospital myself with a XXXX XXXX. Later in XXXX of XXXX my husband died, left me w/XXXX young children, challenged. By XXXX of XXXX Navient w/o notice, attached my SS widows death benefit and my fed tax returns ( more of a mess ) I ended up losing our family home at this point. For the last six years Navient has sucked over {$29000.00} from me on a {$15000.00} student loan debt!. ( And don't forget, they wont provide me with federal 1098-E student interest payment form! What are they hiding or what doesnt add up? ) Unbelievably still, Navient claims I currently have a balance due over 10K! I absolutely have overpaid this debt easily in excess of 6K and thats calculating everything as unsubsidized because they royally XXXX up their status calculations. ( I.e How can I be listed in forbearance while I am actively in school? ) In my opinion, Navient has been deceitful in their loan activities/maintenance practices, unethical in their approach to collection, and collection reporting. They have over-collected funds, and continue to over-collect $ . Theres a hand in my pocket and it seems I have had no way to stop them! wouldnt they have to show a proof of debt to a judge to attach accounts? I havent been able to get this seemingly false dossier. This has gone on now for years. Im hoping for help to recoup an accurate account of my over payment. Also hoping for assistance In getting a letter of their wrong doings to be attached to my creditors. Navient has put me through the ringer! Somebody needs to stop this runaway company and make them accountable for their unethical practices! We might not need to look so much into eradicating student debt if we monitored more closely those with the keys to the vault! | ||||||
| 07/26/2017 | Yes |
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| After graduating college in XX/XX/XXXX, I received a letter saying my loans were being serviced by XXXX XXXX XXXX XXXX ( XXXX ). In XX/XX/XXXX, XXXX encouraged me to go into forbearance to lower my payments. Being a low-paid XXXX XXXX XXXX, I chose the IBR plan and continue to pay on that plan. After learning about the Public Service Loan Forgiveness enacted in XX/XX/XXXX, I contacted XXXX to complete my annual income based repayment plan recertification in XX/XX/XXXX. At that time, I called XXXX to verify what I needed to do to maintain my IBR status as I was a XXXX XXXX XXXX who would qualify for XXXX under the new rules. XXXX stated that I qualified for IBR based on my income. Each XXXX when I recertified, I submitted paperwork as instructed under the assumption that I would reach my 120th payment in XX/XX/XXXX. I faithfully maintained an excellent payment history and made certain that each payment was in the correct amount and on time. I spoke with representatives from XXXX/Navient many times over the years telling them that I needed an immaculate record so I could qualify for XXXX after my 120th payment. In XX/XX/XXXX as I was preparing for my annual recertification, I followed the link provided on the Navient website ( studentaid.ed.gov ) to recertify my IBR. This year I noticed a new link for a form entitled Public Service Loan Forgiveness Employment Certification Form ( XX/XX/XXXX ). Knowing I was approaching the end of my 10 year repayment required for PSLF, I followed the instructions and submitted the completed form to XXXX XXXX on XX/XX/XXXX. Today, XX/XX/XXXX I received a letter from XXXX XXXX stating that my loans were NOT eligible for PSLF as XXXX XXXX/Navient consolidated the loans into an FFEL back in XX/XX/XXXX. I was never informed that my loans were not eligible for PSLF because of the type of consolidation. Ive been faithfully repaying my loans on time for years but I 'm now told I need to start all over to qualify for PSLF! I spoke with XXXX at XXXX XXXX yesterday ( XX/XX/XXXX ) who stated that my situation was quite unfortunate because while I did originally received XXXX XXXX XXXX Direct loans, XXXX/Navient consolidated those loans in the early XXXX which changed them to FFEL direct loans rather than federal Direct (? ) loans. I have many documents stating that my loans are direct, Direct, Consolidation, consolidation apparently there is some legalese about whether a capital letter is used? The documentation from XXXX/Navient is intentionally misleading. Every year, I apply for recertification of my Direct Loan/IBR. I have documentation of my checking boxes marked Direct/IBR - no one every informed me that I was marking the incorrect box or that there was any confusion of any kind. XXXX XXXX/Navients own form has borrowers sign stating they understand that my loan holder will choose the plan that is likely to keep my monthly payment amount lower in subsequent years or provides terms and conditions that better limit the total cost of my loans. Im told the only remedy I have now is to re-consolidate with XXXX XXXX and start my 120 payments all over! I am XXXX years old, have XXXX in a XXXX XXXX XXXX for 17 years now. This is simply not an option, nor is it fair. | ||||||
| 10/03/2018 | Yes |
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| Ive been having issues with Navient customer service for 3 months and my patience has worn out completely after the torture Ive been through since the XXXX of XXXX. On XX/XX/XXXX, I realized I had forgot to re-up my income driven repayment plan. I called and was told Id have to do a forbearance for XXXX because the process takes a few weeks and could take over a month. I was told that it never takes more than 8 weeks. Come XX/XX/XXXX when my next payment was due the next day. I checked only to see nothing had processed. I called and was apologized to. I was told processing like this can actually be expedited and theyd have it done by the morning. In the meantime, I could stop my auto pay to make sure nothing went through. So, my first customer service person lied to me ; apparently I could expedite my process and get it done well before my next payment, but it was not. The next day, I find that the full pre-income driven payment plan amount of {$560.00} was taken out of my account, but it said I still owed the income driven amount, I believe ~ {$340.00}. I ended up calling again to get this cleared up. I was told that the previous person had also lied to me. There was no way to stop the autopay process except for multiple business days before. It took multiple calls to confirm that they would be taking the income-driven amount and refund the remainder, {$220.00}. Initially, they wanted me to go into forbearance again. It was requested that I upload my bank statement showing the money was actually taken out of my account ; a disconcerting thing since I would assume Navient agents could look up payment transactions. A few days later, I got documentation asking for a bank statement for my refund. I had to call and explain again that I had already submitted it. Another thing that should have been noted in my case or profile. Finally, on XX/XX/XXXX, I received communication dated XX/XX/XXXX from Navient saying my refund had finally been process and I should be receiving my refund in the next 3 to 4 business days. I patiently waited 7 business days before calling today, XX/XX/XXXX. I called this morning and was told that the letter was a typo and it should have said 1 to 2 business weeks. The agent clarified my questions that a human writes these letters and must have manually typed both the wrong amount and denomination. Frustrated, I called later on to, unsurprisingly, be told that the previous agent was incorrect. The records show I received payment and Id have to upload my bank statement again to prove I didnt already receive the money. I did so and called back. I was told this time that both previous agents were wrong. The email should say 2 to 3 business weeks. At this point, I dont think Ive spoken to a single agent that agreed with what the previous one said. I have been waiting for 3 weeks for what should have been a simple refund and do not trust anything their agents tell me anymore. I've uploaded all the documents they've sent me plus my bank account information since XX/XX/XXXX. I would show the documents I uploaded, but I noticed that none of the documents, not even the one I uploaded today, show up under the " Documents You Sent To Us '' section of the website. | ||||||
| 01/23/2017 | Yes |
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| I have been located outside of the US since XX/XX/XXXX. XX/XX/XXXX, I received a phone call from my mother telling me to contact a company called " Navient. '' She told me that they had been calling her at least three times daily looking for me because I owed them on a student loan. I told her that I have never taken a loan from a company called Navient. I followed up with the company and was informed that I had taken out multiple loans with the company, but I was not aware of ever taking any student loans with Navient. I asked for clarification on the amounts owed and I was redirected to another phone number of a completely separate entity. The person at the other entity told me that the loan had defaulted and was in collections. I requested proof that I had taken a loan out from their company in which he proceeded to become irate with me. He told me that the said loan is with their office and I must pay them {$17000.00} otherwise they are going to garnish my wages. I then told him that unless he can provide proof of me taking out a loan with their company that I no longer consent to them contacting me otherwise I will file a harassment suit. The following day we received multiple calls from Navient, of which, we sought to record ; however, the Navient representative said, " I do not consent to this call being recorded '' and hung up the phone. Finally I did not record the call as I sought clarification of their claim. Keep in mind that after the first call, I had pulled a copy of my credit report and noticed that I had multiple derogatory claims from Navient. I was still not sure why this company was showing up on my credit report. I called their offices again in an attempt to get to the bottom of the situation, especially because my mother was receiving multiple harassing calls daily and threats of garnishing her wages from Navient representatives. I was told by the Navient representative that one of the loans was in collections which they could no longer do anything about that and the other needed to be repaid immediately. The other loan balance they claimed I have with them was for a little over {$4000.00}, but they wanted me to pay them some {$7000.00} that day to cover all interest, late charges and collection fees. I informed them that I still needed to verify the validity of their claim as there are fraudulent collection scams out there and I am still not sure of my relationship with Navient. I then proceeded to ask what payment options were there to bring the loan current to which the Navient representative replied, " You can pay on the loan, but it will not be brought current and you will still have negative reports on your credit. '' I was quite perplexed with this whole process as to my knowledge, I had refinanced all of my student loans under one payment which was in forbearance while I was seeking work. I then submitted an official letter to Navient requesting a copy of loan documents I signed ( original wet-ink signature ) with " Navient, '' which they have yet to produce. Navient is still reporting negatively on my credit report for accounts and amounts that do not match to what they have told me. Last, they still have not proven what relationship I have with Navient. | ||||||
| 04/06/2022 | Yes |
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| I have never been happy with Navient customer service- they seem poorly trained. I get so frustrated with the web sight not accepting my password, long hold times, and rude reps in the call center. I wanted to refinance or consolidate before my IBR needed to be recertified. in the past year I have had one custumer service rep tell me my loans are not federal, and another tell me they are and I " must '' consolidate them through StudentAid.Gov. But when I attempted I was told I was ineligible. I am also constantly put in forbearance - every time I ask a question, or make a complaint to a service rep I get put in forbearance - with no follow up - no email or letter telling me the terms of the forbearance. I was aware it was time for me to recertify my IBR, and was planning on trying the various websites again. Then on XX/XX/XXXX I was working on writing an email on my phone when it rang, it was from Navient, I knew it was about my IBR so I declined it in order to finish the email I was working on. They then called back 3-4 times in a row, with no time between calls, at the same time sending me several emails- all within 90 seconds. Later I took my anger out by responding to the survey that sent to me in that 90 second " blast ''. This is where I have to admit I have a temper, assuming that the survey was never going to be looked at, I vented my frustrations. I basically said : I have done the math I will be paying student loans until I die, I don't understand how an individual can work for a company as poorly run as Navient, is the goal of the harassment to get borrowers to default or commit suicide, because that seems to be our only options. Normally I probably would have vented my anger and hit delete, but I was so angry about not being able to finish the email I hit send. Navient response to this survey was not an apology for the harassing behavior of their employee, but they called XXXX XXXX for a wellness check! I work at an elementary school, I have a loving and intelligent support network, had I truly been a danger to myself or others, a wellness check from a student loan company would have resulted in more damage than support. I frankly feel because I insulted the people who would choose to work for a company as poorly run as Navient with such dubious goals, this was further harassment, and when the algorithm spit out my survey complaining of harassment, the manager in charge decided to " get even '' with me by harrassing me all the more. I suspect the amount of thought that went into this decision was minimal : " XXXX XXXX we got a really harsh survey review, this women is so frustrated she's talking XXXX. " " the XXXX used the word XXXXXXXX XXXX XXXX XXXX XXXX XXXX on her ''. and then he went to lunch with out any follow up or concern for what had happened. Navient has constantly proven that they do not understand that human beings are behind the phone calls. When someone asks " are my loans federal or private ''. or when will my forbearance end and how much will it end up costing me '' they need to know the answers. Would you return to a store that would not tell you if you were buying whole milk or 2 %, or how much it cost and than yelled at you for even asking? | ||||||
| 01/23/2017 | Yes |
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| XX/XX/XXXX, a payment was drafted from my account on the wrong day other than the authorized and communicated date specified by Navient. When I called to inquire, I was assured by a supervisor that the payment was indeed taken out of a different day other than the day that was authorized after listening to the preceding phone call. The payment was refunded as I needed that money for other financial obligations. I then asked the representative when we can schedule the payment to satisfy the loan and continue the auto-pay on the same day every month. The representative explicitly told me that since the loan was ahead of schedule, no payment was necessary for XX/XX/XXXX and the next necessary payment was not due until XX/XX/XXXX, the following month. For the next few months, the payments were made as discussed, however, after about 4 months of making the payment, it appeared as though my payments were marked as late and none of the payments had been applied to the principal. After this financial loss on the strength of Navient 's word, I called to rectify and get an explanation. After getting bounced around with no clear answers, I finally get a supervisor on the phone. Once again, they pull the previously recorded phone calls and again, I was informed that I was in fact given wrong information by Navient. Subsequently, I was told that I will be receiving a follow up phone call from yet another supervisor and after 3 weeks of my following up multiple times a week, I finally get somebody willing to at least entertain a conversation regarding more of Navient 's misinformation. The supervisor went on to explain to me that although I was absolutely and 100 percent given wrong information that resulted in a financial loss, that there is nothing they can do and proceeded to lecture me about how interest works. The exact words of the supervisor at one point in the conversation were " Yes, you were given wrong information. I apologize, however, we ca n't do anything for you. '' There have been numerous reported late payments due to instances like this and although they claim they are sorry for repeatedly giving me misinformation, nothing is done to rectify the situation and the loss is all mine. Additionally, I have been steered in the route of forbearance multiple times as Navient 's representatives have very little knowledge and willingness to disclose other payment options. My loan currently has a balance of ~ $ XXXX more than its inception in 2009 due to the forbearances. Also, payments that were received by Navient have been reported on my credit report as delinquent although the payment was made as agreed. Navient is extremely hard to deal with and on a regular basis hand out wrong information that causes financial harm to customers. I have been unable to complete my XXXX degree or even get a car loan due to Navient and their practices. There are also more credit inquiries on my credit report than there should be because Navient 's practices have harmed my credit to the point where it is very difficult to find a willing lender for any situation. My credit score and financial well-being has had significant negative impacts on numerous occasions due to the irresponsibility of Navient | ||||||
| 04/09/2017 | Yes |
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| My grievance with both " Sallie Mae '' and " XXXX '' involves a procedure/practice of the company ( XXXX ) more so than a one-time occurrence. I frequently make additional payments towards my Sallie Mae/XXXX student loans and have been doing so for over 5 years now. When making my additional payments, I focus on one specific loan, ( referred to herein as my " targeted loan '' ), at a time so that the targeted loan can be paid off and thereby eliminate the mandatory monthly payment from my expenses. The issue with SallieMae/XXXX is that when I 've attempted to make additional payments on one targeted loan, if the payment for your " Loan Group '' is due, both the Sallie Mae and XXXX websites will require you to make the payment on your " Loan Group '' due before allowing you to pay an additional payment on a specific/targeted loan. The problem I have with this is that the " Loan Group '' becomes due usually around 30 days prior to the date the payment is actually due by, thereby disenabling myself ( and others ) from being able to pay extra towards a targeted loan unless I pay my " Loan Group '' due amount early. So for example, say I want to pay an additional {$50.00} towards my Loan 1-10 on XX/XX/2017, but my Loan Group payment is showing as due by XX/XX/2017 and requires that I pay {$250.00}. I am unable to pay the additional {$50.00} towards my targeted loan until I 've paid the Loan Group, even though the loan group is n't actually due for 24 days! Being paid bi-weekly, if I wanted to make this extra payment towards my targeted loan and thus by doing so be forced pay my " Loan Group '' at times over 20 days in advance of the due date, it would have detrimental impact on my budget. If Sallie Mae/XXXX would have allowed me to make the additional {$50.00} payment at the time I so chose to ( without the required Loan Group payment being a mandated prerequisite ), I could have saved money in the amount of interest I am being charged on a per diem basis on my targeted loan and would have been able to pay my targeted loan off much earlier the burden to pay my Loan Group early would not have prevented my additional payments on my targeted loan. I think this practice is very unfair to the consumer and if it had been disallowed years ago could have saved me a great deal of stress from the burden of financial hardship I was faced with in repaying my student loans, and I 'm sure many others like me. I 've noticed this practice with Sallie Mae/XXXX on its servicing of Private/High interest rate loans, Department of Education Loans, and Federal Loans ( subsidized and non-subsidized ). Having begun my post-college student loan repayment with over 12 different student loans, the vast majority of which serviced by Sallie Mae and subsequently XXXX, I have become familiarized with this occurrence that I feel is greatly unfair to borrowers, although the impact on an individual person may not be immediately devastating, but the practice is unfairly benefiting the lender at the expense of the borrower. I feel very strongly that the practice should be eliminated and those impacted shown some form of compensation for the unnecessary prolonging of their indebtedness to Sallie Mae/XXXX. | ||||||
| 03/16/2018 | Yes |
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| I settled a student loan in XXXX with XXXX XXXX XXXX XXXX, collecting for XXXX XXXX. Navient apparently took over the loan and was not informed it was settled already. The issue now is that they closed the account in XXXX ( after hours of phone calls on my part ), so I now have a XXXX ( cancellation of debt ) to pay taxes on. I haven't wanted to do my taxes until I know this is legitimate, so I have spent hours on the phone, several phone calls, being transferred repeatedly, and every person has told me different information. They finally sent me a " statement of purchased account, '' which lists a lot of dollar amounts, but does not specify for which loan the credits or debits are for, rendering it practically useless for me to figure out where they got this amount for the XXXX ( I had 18 different student loans, and the problem only seems to be with one of them ). This loan that did not exist by the time they became Navient has been in collections with several collections companies. It has been affecting my credit report. I have past records of letters and emails from XXXX XXXX stating that this loan was settled in XXXX. I spent hours on the phone in XXXX trying to figure out why these collections companies were calling me when all my loans should have been in good standing and had been for years. I talked to my school who told me to call Navient. When I talked to Navient, they were the ones who told me this loan was settled in XXXX! I've been told " settled in full, '' " paid in full, '' different things depending on what Navient person I get on the other line. The dates change from person to person when I made the last payment and closed the account. Some say confidently that it was closed in XXXX. Then, others say it was just closed in XXXX, although it was settled and the last payment made in XXXX. When I ask them to look at the notes, that there have to be notes after my hours spent on the phone to them, some can see them, and some say they can not. I have repeatedly told them that I need all the information they have on this loan to figure out what the problem is, and I need to know where the amount comes from that is on my XXXX. This " statement of purchased account '' is not sufficient information. I believe they should be able to tell me where the number comes from on a tax document that they filed with my name on it. The numbers seem to change and not any them add up to this amount. I am so tired and frustrated from spending so much time and getting no reliable information. Please help me. All I want to know is that the amount is legitimate, that I need to pay the taxes on it, and I want the account to be noted to be closed in XXXX when it was. No cancellation of debt happened in XXXX because the loan should have ceased to exist after XXXX. I should not be doing the leg work for something that is their error, and I have to prove to them that their information is wrong when they are the ones with the faulty information, but I have been. I think they should have to answer to someone for their unprofessional and sloppy record keeping and inability to give me information that is linked to me. I have my records, notes and names if needed. Thank you so much for your time! | ||||||
| 04/10/2018 | Yes |
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| I have made multiple disputes with XXXX and XXXX. I sent out dispute letters XX/XX/XXXX to both XXXX and XXXX. I sent out another round of letters XX/XX/XXXX after not receiving results and another round of letters XX/XX/XXXX. My issue is that I have old student loans XXXX XXXX accounts that were paid due to garnishments in XXXX that I still have on my account. All of these accounts are XXXX balance and well beyond the Date Of First Delinquency. They were initially Sallie Mae accounts that were picked up by their collections department Navient. I have 6 accounts under Navient and 4 under XXXX on my credit reports. XXXX is a collections agency under Navient. I called XXXX XX/XX/XXXX XXXX XXXX to ask for the date of first delinquency because I know i am well beyond the 7 or even 10 year period. I spoke with multiple agents and they informed me that my balance was {$0.00} and that they do not have the date of first delinquency for the accounts and that Navient would have them. I called Navient XX/XX/XXXX XXXX and was told they could not find anything on my account. I asked to speak with a supervisor, I spoke with a supervisor by the name of XXXX and asked if they can not find any information on my account than how was it verified with the credit bureaus? He did not have a answer and directed me to Sallie Mae who told me if you were a Navient customer they no longer had my information. I called XXXX XX/XX/XXXX XXXX XXXX and explained to them the situation and asked them how could they verify when the company does not have my information? The representative told me that they send the dispute out and that when the creditor responds that the account is verified, that is what they report. This can not be what the FCRA meant by an investigation period. The representative advised me to call the CFPB or my Attorney General or if i could get it in writing that the creditors no longer had my information would do the trick. I called the Attorney Generals office but it was a brick wall so I called Navient again to try and get the no information letter. I spoke with a representative named XXXX XX/XX/XXXX XXXX XXXX and she looked very hard and to my surprise said she found it. She told me the Date of first Delinquency was XX/XX/XXXX and that the account was 136 days delinquent. I asked for a email of the document but they did not send emails to customers so i pleaded that she save that information so that it would be easy to find. She put in a request that a letter be sent out. XX/XX/XXXX Navient fell off of my XXXX leaving the 4 XXXX accounts. XXXX 6 Navient and 4 XXXX accounts remaining. XX/XX/XXXX I called Navient to see if the letter had be approved for sending or had been sent but nothing. I spoke with a XXXX and she could not find the DOFD so I asked if she could send a letter saying they do not have it and she made the request. Called Navient XX/XX/XXXX to see about the letter. The representative said it had been sent out. I received the letter XX/XX/XXXX and it had nothing to do with the Date of first Delinquency or that they no longer had the information. they sent me bills from XXXX along with account numbers of all the accounts Navient/ XXXX XXXX I called that day but no help | ||||||
| 09/02/2019 | Yes |
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| XX/XX/XXXX XXXX XXXX Navient Office of the Customer Advocate XXXX XXXX XXXX, PA XXXX Ms XXXX, Thank you for finally providing a name to communicate with and your response of XX/XX/XXXX, as it proves you are NO advocate for your customers. You were asked one simple question : What dates concurrent with my XX/XX/XXXX IBR submission will satify you? Instead of an answer, I receive your assertion that all is well, and that I must now submit a recalculation request? WHY was this information not in the months of replies I received previously? This is just one more ploy to continue bleeding me dry. You clearly have made NO ATTEMPT to review the entire communication string. I have requested the recalculation, in writing, multiple times and been ignored. You have a statement from my current employer in XX/XX/XXXX to the effect that my salary had decreased. You have copies of my paycheck statements, which CLEARLY demonstrated that I have not made more than $ 60-65,000 since XX/XX/XXXX. NOW you need another XXXX document? You know perfectly well that circumstances change, and your own website states that when this happens, proof of new income level ( paychecks, etc. ). There is nothing about an additional form. Why was I not sent a link to this precious form in any of the prior communications? There can be only one reason : to continue to bilk me out of monies you have no right to! The law gives you NO RIGHT to calculate repayments off of my gross earnings. You are entitled to a percentage of my discretionary income, yet every year, instead you attempt to skim that percentage off my gross income instead. https : //studentaid.ed.govXXXX IBR Plan Generally 10 percent of your discretionary income if you're a new borrower on or after XX/XX/XXXX*, but never more than the 10-year Standard Repayment Plan amount Generally 15 percent of your discretionary income if you're not a new borrower on or after XX/XX/XXXX, but never more than the 10-year Standard Repayment Plan amount My rent and utilities is approximately $ 1500/month am I expected to sleep in my car? My credit card balance is {$11000.00}, due to an unexpected surgery for one of my dogs was I supposed to let her die? Do you expect me to ignore my credit card repayment so that you can take more than your fair share? I am already down to bare bones to afford the necessary XXXX foods my pets and I require, and the vet bills for my rescue dogs unexpected health challenges. I have a 7-year-old XXXX phone, and a wi-fi only internet connection. I live in a XXXX apartment, subjected to noise, smoke, rats occasional roaches and shootings. No frills, no cable, no expensive phone plan, and I mostly staycation so that I can afford to pay my student loans! You will kindly provide the XXXX form you suddenly say you require. And you will kindly come into compliance with the law, and base your repayment percentage on my disposable income, instead of my gross income. You will also kindly begin the process of loan forgiveness, as I will have been paying on my student loans consistently since the year XXXX, and I believe that I am eligible for loan forgiveness after 20 years? Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX | ||||||
| 04/16/2017 | Yes |
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| This last Friday I found out about the trouble Navient has been in for unfair loan practices. When I read about the situation it really touched me deep inside. I currently have over {$160000.00} in Student loan debt and have been struggling day after day to do the right thing and pay them. I have broken down in tears so many times because of this, and I am at a cross roads in my life whether or not I can afford them anymore. This debt combined with my other debt has made my life a struggle and has affected my marriage because it is becoming unbearable. I was denied a refi on my house last year to cash out money to pay off debts because of how much my student loan debt is. I ca n't do anything financially with this burden. Now you may ask how was I a victim of unfair lending. When I was XXXX years old I decided to go back to school to do something positive and have a better impact on my life. When I applied to my college the XXXX XXXX people or whoever were the loan people told me to take student loans, it 's a great way to pay for your school, and I 'll even get some money back. When I asked, bout grants they said I did not qualify for any of them and loans were the best way. Every time a term was up they again reached out and said you need to take another student loan so you can pay for your next set of classes. They just kept on pushing me and pushing me every term to take student loan after student loan. When finally, at one time I ran out of student loans for the term they told me to take out a signature loan or something, because they said you need to continue school, and if you do n't take this loan and take a term off until I had student loan access again, I would most likely drop out. They just kept on pushing and pushing any type of loan they could. I stayed with school and I did get my XXXX degree, but then they came to me and said since you completed school you do n't want to lose out on a XXXX and told me to take these loans to get my XXXX degree. Also, they told me it was a great way to delay paying back my student loans. They said as long as you take more loans out and stay in school you do n't have to pay them back. I did what they suggested, and ran up this major loan debt. They kept on telling me I did n't need to pay it back till 3 years after I graduated, and when I do I would have plenty of money to pay back my loans. However, it 's been almost 5 years now, and I ca n't do this anymore its destroying me inside, looking back now, they did not care about my education, they cared about pushing on me as many loans as they could. Now some back ground on my school XXXX University is a for-profit private university and based on a google search I did has a grad rate of XXXX % which is in line with some of the research I did on why Navient is in trouble. I was pleased with the education I received, but not the loan process. I was taken advantage of by the loan agents. I would have done things really differently had I know I would be in this mess. It 's not right of them to continually push loans on people knowing later on its going to destroy their life. I ca n't even get any type of refi or any loan to pay off any debt because of the burden of these loans. | ||||||
| 04/26/2017 | Yes |
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| To Whom It May Concern : When we took out the student loans, we dealt with XXXX XXXX . We had no issues ; all accounts were paid and up to date. We never experienced any issues. When the loans we taken over by Navient, all of a sudden, we were getting accounts that were being paid and being misapplied to other accounts. When we contacted Navient, we attempted to set up direct withdrawals on a monthly basis, with all our accounts. It seemed to have worked for a month or two , then after that period of time, we realized, that they were no longer withdrawing the set amount agreed upon. We contacted them yet again, and were told that, that program was no longer in effect. We agreed upon a set amount of money, and that was perfectly fine, until the time ran out. I contacted them to set up that amount of money aga in, and they refused. They told us, the only way to bring the accounts current was to put them in forbearance, which of course, accumulated more interest and more fees. I took that amount of money and divided it up amongst the 2 accounts evenly, and now they have totally destroyed our credit. So then we started all over again. We again spoke to a Navient representative, to set up a direct withdrawal program, which again worked for a few months and the same thing happened ( the program was no longer in effect ). As our frustration mounted, we again realized, that any payments we made were again being misapplied to different accounts. We have received several bills with different account numbers, and different loan numbers. When we called Navient, the total amount of time wasted, constantly repeating our situation, it got more and more confusing and exasperating. We contacted Navient by phone several times, when we found someone that sounded sympathetic, that was willing to work with us, we could never reach the same person twice. On numerous occasions, we asked to speak to a supervisor in which case we were treated like garbage. They told us, we would have to give them a financial statement to see if we qualified for a different program. When they asked for a financial statement, we realized, they were trying to tell us, how much we could afford as opposed to the reality of our situation. We have tried to make payments online, but every month we get notices that we owe a complet ely different amount than what we paid. We are at the breaking point now, that dealing with Navient, has been a infuriating experience to say the least. We have tried to pay what we can every month, but we feel like there no end in sight and there is nothing we have been able to do, to get the situation under control. We get constant phone calls that begin at XXXX XXXX on Saturday and continue all day everyday, 7days a week. We do not know where or what to do at this point, thats the reason we are writing this letter to see if we can get some relief for our situation so we can pay off these loans. As we are caught in this vicious circle, the interest on our loans keeps accumulating. We have tried to apply for other debt servicing companies to get away from Navient, but they have sufficiently ruined our credit to the point where we can not get approved anywhere. Please help!!! | ||||||
| 03/18/2017 | Yes |
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| In XX/XX/2007 i finished a 2 year XXXX degree with both private and federal loans totaling {$39000.00}. I only took the required courses for this degree. For the majority of the past 10 years i had been paying $ XXXX/month in these loans, yet the balance owed still totals about {$25000.00}. I reconsolidated, which did not help that much and spent many hours on the phone with XXXX, a company that has lied to me numerous times about a loan forgiveness program. I have already paid back more than i borrowed and have run out of options, while paying med bills, child support and everything else. XXXX In XX/XX/2007 i finished a 2 year XXXX degree with both private and federal loans totaling {$39000.00}. I only took the required courses for this degree. For the majority of the past 10 years i had been paying $ XXXX/month in these loans, yet the balance owed still totals about {$25000.00}. I reconsolidated, which did not help that much and spent many hours on the phone with XXXX, a company that has lied to me numerous times about a loan forgiveness program. I have already paid back more than i borrowed and have run out of options, while paying med bills, child support and everything else. XXXX In 2007 i finished a 2 year XXXX degree with both private and federal loans totaling {$39000.00}. I only took the required courses for this degree. For the majority of the past 10 years i had been paying $ XXXX/month in these loans, yet the balance owed still totals about {$25000.00}. I reconsolidated, which did not help that much and spent many hours on the phone with XXXX, a company that has lied to me numerous times about a loan forgiveness program. I have already paid back more than i borrowed and have run out of options, while paying med bills, child support and everything else. XXXX In XX/XX/2007 i finished a 2 year XXXX degree with both private and federal loans totaling {$39000.00}. I only took the required courses for this degree. For the majority of the past 10 years i had been paying $ XXXX/month in these loans, yet the balance owed still totals about {$25000.00}. I reconsolidated, which did not help that much and spent many hours on the phone with XXXX, a company that has lied to me numerous times about a loan forgiveness program. I have already paid back more than i borrowed and have run out of options, while paying med bills, child support and everything else. XXXX In XX/XX/2007 i finished a 2 year XXXX degree with both private and federal loans totaling {$39000.00}. I only took the required courses for this degree. For the majority of the past 10 years i had been paying $ XXXX/month in these loans, yet the balance owed still totals about {$25000.00}. I reconsolidated, which did not help that much and spent many hours on the phone with XXXX, a company that has lied to me numerous times about a loan forgiveness program. I have already paid back more than i borrowed and have run out of options, while paying med bills, child support and everything else. XXXX In XX/XX/2007 i finished a 2 year XXXX degree with both private and federal loans totaling {$39000.00}. I only took the required courses for this degree. For the majority of the past 10 years i had been paying {$38.00} | ||||||
| 01/03/2016 | Yes |
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| At the XXXX level ( when I accepted Signature Student Loans ), I went to XXXX of XXXX. I was laid off from a good XXXX position ( where I was on a continuing, or 5-year, contract ) almost 8 years ago due to economic crisis and STILL have not recovered ( i.e. I have cashed in all my retirement accounts several times, and I still ca n't find a decent job with benefits and normalized working conditions ). Currently, my dad is paying my rent, and I am XXXX XXXX XXXX, and I have an XXXX XXXX I am currently working at a long-term full-time job ( at least until XXXX ) as a " temp, '' making less than $ XXXXhour. ( I have n't earned a paycheck yet ). Yet I owe over $ 85K in student loans. About $ XXXX of that is due to Navient ( holder of Signature Student Loans, originally issued by XXXX XXXX XXXX. Both Navient and XXXX XXXX have repeatedly denied any and all requests to work with me, whether that be in the form of lowering my monthly payment or allowing me any relief whatsoever in the form of deferment or forebearance. They claim that I used up all my relief options a long time ago, and that may be true. But I feel that the current ( and " current, '' for me describes nearly a decade -- I was laid off in XXXX, I 've never recovered, and now it 's XXXX ) economic climate constitutes " extenuating circumstances. '' ( And even before XXXX, when I arrived in XXXX Florida and found gainful employment, I lived in XXXX, and it was exceedingly difficult to find gainful employment down there due to bi- and multi-lingual population -- and that was when " times were good. '' So yes, no doubt I have used up all my relief. But the current situation is not benefitting anyone -- it 's not helping me pay my loans, and it 's not helping Navient get paid ). Still, Navient refuses to discuss solutions ; yet they persist in calling me @ XXXX times every single day, harassing me, just so that we can have the same conversation over and over again : " I know I owe you money, and I 'm going to pay you, but I ca n't pay you anything right now because I do n't have a job ; therefore I do n't have any money. '' I have also gotten very, very nasty with them due to the sheer absurdity of the situation. I have also suggested that my XXXX degrees qualify me to stuff envelopes or something for them, which would at least generate a paycheck whereby I could pay them. But they are n't interested in that. They just call me all day long, every single day, even when I pointed out to them that according to FTC rules, they were n't allowed to do that. I have several months worth of phone bills that I could attach to prove my point ; unfortunately, however, I do n't have {$45.00} to buy an ink cartridge. I have missed XXXX payments, but I manage to make the XXXX payment every month, which saves me from being reported for non-payment. However, as I said, they call me @ XXXX times a day from various phone numbers. Their current favorite is XXXX XXXX XXXX XXXX, but there are many, many others. I just basically keep the ringer turned off XXXX. I want to change my number, but I need to keep it in case someone calls me about a job. I have submitted hundreds of job applications, and I ca n't afford to miss a callback. | ||||||
| 05/23/2019 | Yes |
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| In 2016 received notice that my loans were going to go into repayment, & that I needed to re-apply for a payment plan. I called up Navient to re-apply over the phone as usual because for some reason I could never seem to get into my account online. When the customer service person got on the phone, I told them that I needed to complete my re-application. After getting some information from me & accessing my account, I was told that the only option suitable for me was forbearance because basic deferment was no longer an option. Not knowing there were better programs available, I figured I would apply for the forbearance. However, a few minutes later the representative told me that I was unable to complete my re-application over the phone & that I had to do it online. I told them that I had already completed my re-application for my U.S. Department of Education loans online, & asked if it was the same site I had to go to complete the application process for these loans. I was then told that since I had already submitted an application for my other loans online, that it would be forwarded to Navient also, so there was no need to fill out another one. Little did I know at the time that this was definitely not the case. Several months later I was checking my credit report, & noticed that I was supposedly defaulting on my loans through Navient. So once again, I called them up & spoke to a different representative. This one apologized for the wrong information I had received, & said they would take a look at my account to see what could be done. Then I was told that they were able to process my application over the phone, & that they could back date it so many months prior to this application. However, upon checking my credit report several months later, I noticed that I still had negative marks from Navient for XXXX, XXXX, & XXXX of 2016. So I decided to call them up again & explain the situation & that the last representative I had talked to was supposedly back dating it so I wouldn't have any late payment. This representative then proceeded to tell me that they were unable to correct it because it had already been several months past that time & that they couldn't go back any farther than like 2 months. Aggravated, I thanked them anyways for their time, & hung up. I then tried to dispute the late charges on my credit report, & Navient declined to fix them apparently. So, I called them again & asked who I could speak to regarding fixing these negative marks on my report. I was then told by that representative, that I would have to send a letter to Navient 's credit department along with proof that I had my other student loans deferred at that the time, & ask if they will correct it on my report. I have had nothing but aggravation dealing with this company. All they did was give me the run around everytime I had contacted them, & because of this, their negative marks on my credit report are still killing my credit score. I am probably not the only person out there that has been mislead by this company 's poor customer service department. I just hope they find a way to fix these issues quickly, or hire & properly train some new representatives because this is ridiculous. | ||||||
| 05/08/2018 | Yes |
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| XX/XX/XXXX... .1 out of 10-15 of my satisfactorily deferred student loans reported as default. I was not ever familiar with the name Navient. All of a sudden received mail forwarded from a previous address move 1 Month prior that my loan was defaulted. I expressed that I wasnt familiar with a consolidated loan and none of my 10-15 federal student loans ever defaulted. I repeatedly recvd phone calls and mailings immediately following of the defaulted loan status of a single federal student loan. I reached out to the company Navient in approx XX/XX/XXXX to try and rectify the incorrect reporting but was informed the default status would be upheld and it was my responsibility to inform the Lender of my move. I expressed that I have never had any issues or problems with my lenders at any time and that Id moved several times prior to that move and continued to receive all of my mail because as a responsible adult I ensure 6 months prior to my move I inform the US Post Office to avoid interruption of important mail. I am appalled that this was done to me because I would have ensured other measures for repayment would have been followed just as with my remaining 10-15 federal student loans. Soon after I decided to exercise what options were remaining to try and help free myself from the derogatory, harassing, predatory collection activities of Navient by attempting to set up satisfactory payment arrangements due to my unemployed work status. Navient and myself agreed to a specific ONE TIME payment using a bank card. I explained to Navient on a recorded call that this is a ONE TIME PAYMENT ONLY using that card and a different card or means/form of payment would be used for the very next pymt and moving forward ; therefore, to ONLY use my bank card for this One Time Only pymt. Navient agreed and requested that I call back at the specified time to provide my pymt form for the next pymt and future payment. I expressed to Navient that no monies were in that bank acct and I only had {$5.00} to spare for the One Time Payment and a Navient agreed and said they understood and my card would only be used for that One time only payment. A month later and ever month following my bank card info has been attempted processed by Navient where my account has skyrocketed by {$100.00} of negative transactions for the $ XXXX monthly. I am appalled and baffled. Even after this company has mishandled my federal student loans by issuing a default wrongfully and unfairly to now fraudently charging my bank card without my authorization to negatively reporting the federal loan status as being in default!!!!!! This is erroneous, fraudulent, deragoatory and predatory lending and collections practices of Navient. First of all, as a consumer I was totally unaware of who this company was because I was NEVER informed of who a Navient was therefore if o received the mail with the 1-2 months of relocating, it was disregarded mistakenly because I assumed it was scam or unsolicited, advertisement mailing as all customers currently receive. This is an injustice and blatantly unfair. Disgusting and fraudulent collection practices all while having to support two college students in school. Please help! | ||||||
| 04/10/2016 | Yes |
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Web | Servicemember |
| I moved to XXXX in XXXX XXXX after finishing XXXX school at XXXX, and I was working for a XXXX company for the first 9 months that I lived abroad, but I was not making enough money to be able to afford to make my monthly payments on my student loans. I called Navient ( my loan servicer ) and asked them what I should do, and they only offered that I could qualify for deferment/forbearance. They never offered that I could potentially qualify for IBR, which would potentially give me a minimum monthly payment of {$0.00} per month, and that way I could at least get credit towards the 25 year repayment term that I 'm required to fulfill, since at the time of graduation in XX/XX/XXXX my outstanding loan balance was at least $ XXXX. During the time of XX/XX/XXXX-XX/XX/XXXX I was unemployed for a period of time while still living in XXXX and then later I started freelancing in XXXX which meant that I did n't have a regular salary, and could not afford to make my monthly payments. I always kept in touch with Navient and they never once mentioned the possibility that I could qualify for the {$0.00} per month IBR repayment plan. So the interest on my outstanding loan balance continued to accumulate and my loan balance ballooned because I was unable to pay. XX/XX/XXXX I moved back to the USA and took a job where I was earning a modest full time salary, but I still could not afford to make monthly payments because I was trying to help my brother financially ( he 's a XXXX who has been XXXX in the past and has been struggling for a long time ) and I was also trying to help my mom financially because she has been, and continues to be, at high risk of homelessness. When I got laid off from my job in XXXX XXXX I contacted Navient to explain that I had lost my main source of income and they said it would be no problem. Navient instructed me to send in the application for IBR and to put down on the application that I had no income, which I did. I was then immediately placed onto a {$0.00} per month IBR plan, and this was the first time I discovered that this option even existed. I am extremely frustrated and feel cheated because Navient never informed me back around XX/XX/XXXX/XX/XX/XXXX that I might be able to qualify for the {$0.00} per month plan, since I was not making enough money to be able to make monthly loan payments. I would like to have Navient and/or the Dept. of Education retroactively issue me credit for the several years my loans were classified as economic hardship deferment/forbearance, so at least the years from XX/XX/XXXX-XX/XX/XXXX will be counted towards satisfying the 25 year max repayment term. I do n't think it should be legal for Navient to withhold information from borrowers, and if I would have know about the {$0.00} per month IBR plan sooner, then I absolutely would have applied for it. Thank you very much for your time and consideration. I would also like to have the Dept. of Education assess whether Navient incorrectly calculated the interest rate on my loan balance during the period of XX/XX/XXXX-XX/XX/XXXX because I believe I should have been eligible for some kind of interest rate benefit due to my financial hardship and my inability to make payments. | ||||||
| 04/06/2016 | Yes |
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| I paid for XXXX school with loans as there were no grants or scholarships available. My school told me when I got the loan that I had to go through Sallie Mae. This turned out to not be true. After graduating, I consolidated my XXXX debt with the grad school loans under Sallie Mae. This was where things get shady. I had a loan still in deferment. I made sure to consolidated and lock in the ultra-low interest rate, and was told by Sallie Mae that when the second loan came out of deferment, it would automatically be added on. This was in, I believe, 2006. Several months later, my loan was still not appearing under my account. I called several times ( from XXXX where I was living, no less ) to discuss the issue. I was told at first that it was n't a problem and it would be fixed, etc., still nothing. Finally, on the third call, I was told that I was supposed to resubmit the paperwork to add the second loan, and that doing so would mean that I was past the deadline for the lower interest rate and thus I would no longer qualify for it and must take the higher rate. The worker went so far as to inform me that not only was I misinformed, but that I had been intentionally misinformed. She said that several workers had been caught lying to customers so that they would be required to take the higher interest rates, and I had been caught up in the mix. I was also told that it was too late and nothing could be done because the interest rate was federally set, and they did n't have the power to change it back to my previous rate, even though I had been lied to by the company. Needless to say I was livid. I tried calling again, tried speaking to a supervisor, but was always told that this was just how things were. My interest rate went up over 1 %, which is a huge amount when you are talking about such a massive ( over $ 60XXXX ) loan. I have been repaying the loan, and for several years I paid XXXX in interest every year, only to see my actual balance go down only a XXXX dollars. To say it was disheartening is an understatement. A lesser issue, but XXXX that is also frustrating, is the inability to choose which of the XXXX loans listed on my account the money that I pay goes toward. When possible, I would love to put extra toward the smaller of the XXXX to try to get it paid down first so that the interest I 'm paying would go down, but if I pay, the company decides how to allocate money between the XXXX loans. My account has since become run by XXXX, which I had no choice in. I was simply told that they would now have control of my account. I feel that if the company is no longer going to be in control of it, I should at least have a say in where it goes, but such is the current world of student loans, I guess. I was screwed over by a school who misled me, and by a company who outright lied to me for the sake of their bottom line. I have had to pay thousands more than I would have, and I had done everything right. I went to the classes on loans. I called the company when I was supposed to. I contacted them multiple times when things were going wrong while living halfway around the world and having to pay international calling fees. None of that mattered to anyone. | ||||||
| 10/08/2021 | Yes |
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| I have private student loans with Navient. These loans were taken out in XXXX with XXXX XXXX which was eventually sold to Navient. Over the years we have had issues with the way payments were being allocated, payments are taken out before the date they were supposed to which caused overdrafts as well as payments being taken out and still getting charged late fees when on autopay. I requested all documentation from Navient from the beginning of my loan so I could cross-reference these issues. Since i have 4 loans with them it has been a difficult and time-consuming process. I have found many discrepancies in the documents from their system which they personally sent me via mail and what the website shows in terms of the amount of debt owed, payment allocation, and late fees. I have collected bank statements dating back from XXXX and cross-referenced their documents on payments made ; I found at least 5 instances where payments were withdrawn from the bank but never posted to my loans! This in turn caused unnecessary late fees! I was on payment programs for over a year and still charged late fees sometimes on the same day payment was withdrawn or a few days later. I have spoken to numerous people at navient about these issues and no one could give me an answer as to why this happened. I was told that since some of these issues occurred years ago they couldn't do anything about it and checking the details would take to long. I was also told that they could not give me answers unless i had a lawyer contact them. I also asked them why their records were different from what the website showed in terms of the amount of debt owed and they said something to the effect of the system allowing for a {$10.00} give or take difference but in my research, there were occasions where the difference was far greater than {$10.00}. I also created a spreadsheet to check if i was being charged correct interest and asked how to correctly find the interest for each month, none of the people i spoke with could provide me with correct information. I read the promissory note and came up with a spreadsheet to try to get the amounts they provided, i was able to get those numbers up until a certain period before the numbers no longer matched with what they had. I have contacted the Attorney General in Pennsylvania who is currently suing Navient for these issues and for a time they were CC in my emails with Navient investigating these issues. Unfortunately, i have not been able to speak with anyone in the attorney general 's office about this. I am desperately trying to find a pro-bono lawyer who could help me with these issues because i am in no way financially capable of paying. I am hoping to file for undue hardship in bankruptcy as well for I am over {$110000.00} in debt to navient for private student loans. In XXXX I was told by one of their representatives that people with as much debt I owe don't deserve to have a life when i was begging for lowered payments. I have attached a spreadsheet showing the payments that were made which i have bank statements for and the file Navient sent me of their payment records. I have many other spreadsheets but it would be to difficult to explain here. | ||||||
| 11/28/2022 | Yes |
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| I am currently on the interest only repayment plan. In XXXX, my payment increased to {$270.00}. XX/XX/XXXX : Call to Navient to extend the program and determine the new monthly payment due ( I needed a lower payment than {$270.00} ). The plan was extended, I submitted all financial information to the rep... .monthly income, expenses, etc. in order to get my payment as low as possible. Navient was unable to lower my payment as much as I needed, but offered me {$240.00} for XX/XX/XXXX through XX/XX/XXXX. I made a payment of {$240.00} that day to " lock in the plan. '' In XXXX, my total payment due was still showing as {$270.00}. XX/XX/XXXX : Call to Navient to explain that my total due was incorrect, it was supposed to have been adjusted to {$240.00} and their records needed to be corrected. The rep stated " I do see your payment showing in the system as {$240.00} '' She explained she had to " fix this problem '' for " a lot '' of others. She told me the total due was adjusted, and she enrolled me in recurring payments of {$240.00} ( due on the XXXX of each month ) through XX/XX/XXXX. My XXXX payment was still showing a total due of {$270.00}, along with a past due amount of {$31.00}. It stated late fees XXXX apply and this amount was due immediately. XX/XX/XXXX : Call to Navient to explain the situation once again and request that my account be adjusted to reflect the CORRECT total due of {$240.00}. The rep stated that the {$31.00} was just " additional interest '' that needed paid " this XXXX time, just this month '' and that my account would be adjusted and I would not have this problem again. To ensure this was correct and to ensure that my account would be adjusted once and for all, I called back on XX/XX/XXXX. On XX/XX/XXXX, I spoke to rep XXXX who stated that my total amount due was in fact {$270.00} and that I had a past due amount of {$31.00}. I explained this was incorrect, that THREE previous reps had confirmed my total monthly payment was {$240.00}. I requested to speak to a supervisor. The supervisor told me the same thing and refused to adjust my account. I requested to speak to another supervisor. Next, supervisor, XXXX gave me the same information and refused to correct my account. I requested to speak to another supervisor. Next, supervisor, XXXX gave me the same information and again refused to correct my account. I explained that I understood the discrepancy was due to rising interest rates, HOWEVER, Navient reps made a mistake on THREE previous occasions and assured me that my total payment due from XX/XX/XXXX through XX/XX/XXXX would be {$240.00}. I explained I am not responsible for Navient 's mistakes - I can not afford it. Navient has a responsibility to uphold the agreement that was put in place on XX/XX/XXXX. I requested to speak to XXXX 's supreviroser. Very reluctantly, she reached out to him ( XXXX XXXX ). I was told he was unavailable, that I could not wait on hold for him ( as I requested ), and that the call would be terminated. She gave me XXXX 's direct line, she filed a complaint explaining my situation. I immediately called XXXX, he did not answer, I left a voicemail requesting a call back so he could help me resolve my issue. | ||||||
| 04/21/2017 | Yes |
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| XXXX XXXX I applied for a student loan at XXXX an XXXX XXXX XXXX that is now closed. When asked I was told that their XXXX programs and training are recognized by employers and if I enrolled will be a XXXX XXXX anywhere I go. The program was 18 months long. There were 2 phases to the program that i had to apply for and the first one i did was {$12000.00}. I completed it by XXXX XXXX . Before the first program was completed i applied the second time for th e 2nd phase and there was a delay in my application for weeks. I was told by the finance manager that I can go ahead with the 2nd part of the program under the pretenses that she would get funding for me while im in class. The first class wa s 6 weeks and i had completed it and then after i was told i could no longer finish the program because XXXX XXXX rejected my application. So i had to pay out of pocket for that last class. And i drove to XXXX in XXXX ca and gave them checks for {$50.00} for several months. And at some point without my knowledge the school had my XXXX XXXX loan adjusted for that class to get added into my loan and i was never given paperwork or a call as to when, why, how that happened. In XXXX XXXX I applied at an e XXXX XXXX XXXX position at XXXX XXXX XXXX in XXXX XXXX , ca and they told me they dont recognize XXXX credit/training. And i would have to go back to an accredited college. XXXX started an XXXX program with XXXX XXXX college in XXXX , ca. I was enformed by the student services office that my XXXX courses that i completed were not accredited and counted for nothing. I ended up attending the XXXX XXXX XXXX progra m from XXXX and wasted that whole year in XXXX at XXXX to only walk away with XXXX XXXX XXXX n debt at that time. My loan had been deferred during my XXXX training and now I 'm over XXXX XXXX i n debt. I 've called them during XXXX after i completed the XXXX many times on help with repayment options and when speaking to customer service associates they have been rude, hostile, insulting and threatening to take legal action against me accusing me of not being responsible for paying back the loan. My family and I suffered a loss when my father passed away XXXX / XXXX / XXXX . My mother needed help with trying to pay back my father 's debt while paying {$2700.00} in rent. With my dad 's income lost and only XXXX XXXX in life insurance to lay my father to rest, i had to fill in to help her. I have spoken to now Navient about my life situation and they offered no interest reduction or deferment of the loan. I could not keep up with the payment along with other expenses. Especially for a school that is now closed which i made them aware of. So they sent a letter to my home after failing to contact me and reach an agreement that would help me in my time of loss. They were preparing a litigation, to take legal action against me and garnish my wages. So i called them and all they offered me was an interest rate reduction program to which will end XXXX XXXX . I 've paid back over {$6000.00} and the {$25000.00} balance still remains the same. | ||||||
| 01/20/2017 | Yes |
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| I have private loans with Navient and I owe them every single month {$960.00}, in 2 separate payments. One is about {$370.00}, the other is about {$590.00}. I have called multiple times to get help on reducing my rate. When I first called when I got out of college, they told me my options then told me my only option because they are private loans is forbearance. I took the forbearance, which cost me {$150.00} for 3 months, they said my interest will continue. I did n't think anything of it at the time because I was in need of some relief with hardly making {$1000.00} a month. I ended up using all my forbearance, which made my payments skyrocket. My {$250.00} payment turned into almost {$400.00} and my payment of {$470.00} turned into {$600.00}. I went from paying about {$700.00} a month to {$1000.00} in a period of a year. Once my forbearance ran out, I called to see about a repayment option or lower payments. I got transferred and they took my income and what not. They then said since my dad is the co-signer he has to cover my bills because there is nothing they can do. I hung up and tried again last year since I was living paycheck to paycheck after losing my job. I got transferred once more and the guy told me he could help me out. I was happy that I would get relief finally. He took my information again and roughly made about {$1600.00} a month if I did n't get sent home from work. I told him I have food/gas, other student loans, and other bills to pay, which leaves me with hardly anything out of {$600.00}. My poor dad has to help me pay my car insurance and cell phone just so I can pay this loan. He said he understood and put me on hold. He came back a few minutes later and told me that my dad has to call in with his information and we can go from there. I asked him the next steps after that and he said depending if my dad makes enough to cover my payments he has to pay. I told him my dad is n't paying my loan again and if I had another option. He put me on hold once again. He came back with my dad 's credit score, I never even gave him any information to pull it, and told me he has excellent credit and non of my loans are behind and are all paid on time therefore they ca n't do anything. He told me my only option is to default on my loans, which harms my credit score and my dads. He said if I did that then I can call back and they will help me then. I hung up upset and when I told my dad what they told me, he could n't believe it. He 's been looking at consolidating with a different company, but I still owe Navient {$48000.00}, which is a big amount to get consolidated. I was able to transfer my federal loans to another company and now instead of {$390.00}, I only pay {$45.00} on an income-based plan. Navient is a horrible company and every month I am behind on payments and end up paying 2-3 weeks late. They have called before threatening to report me for being late with my payments because I owed them {$600.00} once, which my dad had to pay, and if I did n't pay the amount within 20 days from my payment date they would report on both me and my dads credit. I never want to deal with them again. I want my loans to be done, but I still have 6 more years. | ||||||
| 11/05/2019 | Yes |
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| My federal student loans have been under investigation from XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX in early XX/XX/2019. The loans that I received violated the US consumer protection laws and therefore are under review. In the meantime, Naviet has called, emailed, and harassed my family, friends, coworkers, and I about paying back fraudulent student loans. I have since sent Naviet a letter via XXXX XXXX to cease communications with me via any other method than writing. Bellow is my track record of the events. XX/XX/19 - Naviet called my in-laws and my sister without my permission. Called and threatened my wife. Requesting a payment of {$2000.00}. The other option is {$600.00}. I was told to get another job. I have reached out to the state senator and my state representative. XX/XX/19 Called at XXXX mst. They made the same offer of {$2000.00} or six dollars hundred dollar option. I reiterated that I can offer {$100.00} a month. She raised her voice and started screaming at me about getting another job. I told her that I am giving her my offer and would be hanging up the phone. XX/XX/19 XXXX XXXX -I was asked if I pay other bills. Then told " Well, you paid all your other bills. '' Why dont you pay the {$2000.00}? I again reiterated what we could afford and pointed to the Financial form. Ive then explained that I needed to get into work, they would not let me go, so I told him that I would be hanging up. XX/XX/19 Talked with Navient. They called five minutes before work. I told him I can not talk because I was going to be late, and they said I must speak with them. Would not let me go from the phone. XX/XX/19 I received a message saying that they had not talk to me all month. This was a lie. XXXX verbally said that oh no we did talk to you on the XXXX. Whats your plan of action. I told her my plan was to pay what I can afford and she said that was not sufficient. She told me that I need to find someone else to help. I told her that that was my plan of action and that I need to go back to work. XX/XX/19 - XX/XX/19 My coworkers were sent an email a verification of employment with my Social Security number. This was not sent to our HR but our staff members. XX/XX/19 - XXXX - XXXX XXXX Called and hung up. XX/XX/19 XXXX - XXXX XXXX XXXX XXXX called again regarding a call we talked about previously. She had offered me a plan few few days prior that would require me taking out another loan. I told her I would speak to my wife about the matter. XX/XX/19 Sent authorization to XXXX XXXX to authorize them to send a letter to Naviet. This letter demanded that Navient stop contacting me or my family. Still I received additional letters from Navient. XX/XX/19 XXXX XXXX called at XXXX XXXX from internal recovery and left a threatening message saying I was blatantly disregarding her calls. I had already sent them a do not call me letter and I work XXXX XXXX - XXXX XXXX XX/XX/19 Navient called from a XXXX number and hung up. XX/XX/19 I was sent email 's to " Check my account. '' XX/XX/19 Received an Anonymous phone call from Mr. XXXX from Navient. He wanted to give me a " special offer '' to pya off the loans. They are STILL calling me! | ||||||
| 01/20/2017 | Yes |
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| I had taken out XXXX loans with XXXX/Navient for college. After graduating and getting a job, I was able to make payments to Navient no problem since I was still living at home and had no other financial obligations. About 6 months ago I found out I was going to be transferred from XXXX, XXXX to XXXX, XXXX for work that following month. Considering I would then have to pay rent and have other financial obligations, I contacted Navient to look into other payment options so that I could afford to live on my own in XXXX and still be able to make my loan payments. After explaining my situation I was told by a Navient representative that I had to actually be experiencing financial hardship for the to even consider other payment options and should call back once I was in XXXX struggling to make payments. My father, also my cosigner, got on the phone with them and told him the same thing, and that once I was experiencing financial hardship they would have to look into HIS financial status next to see if we qualify for other payment options. Basically, we had to fall on our face in order for them to even consider. They then recommended that we pay {$150.00} to put the XXXX loans into forbearance so that I can get situated in XXXX without having to worry about the loan payments. Desperate, I paid the {$150.00} to get a brief period of relief. 3 weeks after paying the forbearance I received a notice that I had a payment due in the following week. I called Navient confused and they then told me that XXXX of the XXXX loans was not included in the forbearance because it was not past due at the time, and that the rep that helped with the forbearance failed to mention that at the time of payment. Their solution to the problem was for me to pay an additional {$50.00} to include the loan that had been left out, basically wanting me to pay for their mistake and lack of communication. At this point we were seeking a home equity loan to pay off Navient completely as we were sick and tired of the lies and lack of help we received from them. My loans were past due by about 2 months and I was paying what I could to chizzle away at the past due balance. Both me and my father each received 3-6 phone calls a day from Navient from various phone numbers at ridiculous hours of the morning-night all of which were robot voice recordings. I could no longer stand the harassing calls so I called Navient again to let them know that I was paying what I could as I could not afford the full monthly payment and was looking into equity loans to pay Navient off in full. The Navient rep then suggested that I do another forbearance for {$150.00} until I get the home equity loan set up. We finally got the home equity loan and Navient has been paid off. But I have never felt so helpless and financially stuck. Navient 's pushed for short term solutions for what would and could have been a long term issue with paying them back. I should not have had to pay twice for loan forbearance within a 3 month period. Not only that, but the Navient reps never documented any conversations that we had when we called in with problems. Lastly they failed to provide important details about the forbearance payments. | ||||||
| 02/25/2023 | Yes |
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Web | Older American, Servicemember |
| XX/XX/22 I get a letter from the XXXX saying that the time frame to work off the scholarship has expired .... XX/XX/22 BY LETTER I challenged that assumption with the fact that the place where I was volunteering was shut down because of XXXX, and I disputed the validity of the debt ..... XX/XX/22 BY LETTER I requested a hearing, an audit, and an investigation by the DOE Inspector General ..... XX/XX/22 I contacted the VA by phone and they said its undisputable that this debt was cancelled/paid by Government Veterans programs .... XX/XX/22 BY LETTER I contacted the Treasury Department that had been charged with collecting this fraudulent debt and sent them info about the the fact that all of my student loans were to be XXXX when the VA and the federal government said I was XXXX XXXX XXXX The XXXX people said that the scholarship / work requirement turned loan, did not fit that government mandate of being paid off due to XXXX, and the school system / financial aid placed it with another government agency for collection. I pointed out to that agency that I had not been given my hearing even though I had requested XXXX in writing as directed by the XXXX XXXX CRD Dispute Form and that I did not owe this money in any way shape or form. The government agency that was collecting this outstanding debt that they had been told by the XXXX that I owed, discovered I was right and returned the debt back to the XXXX. At that time the debt was a little over {$7700.00}, based on the cost per class divided by the 36 month work requirement. Now the debt has been sent to Pioneer Credit Recovery. It is still uncollectible, and as a private firm, now you are engaging in fraud and this problem continues. I don't know who decide {$2300.00} of administrative cost plus {$140.00} of penalties and a credited pay amount of {$310.00} which I was told would be offset against my Social Security. Fine way to treat a war veteran isnt it So whoever at pioneer credit recovery is responsible for reference number XXXX for this supposed Department of Education debt XXXX, once again I have demanded a hearing per my rights and I have demanded an accounting of all loans like mine that were discharged because of COVID. I have also asked the proper oversight people, including OPM, And I have contacted my congressman both Senate and house, to look into the matter. Why the Department of Education agreed with the veterans administration and discharged over {$40000.00} in student loans, as required with the understanding that XXXX XXXX XXXX creates a special circumstance. Why this small section of the Department of Education insists that there scholarship turned loan does not come under that provision, no one can answer. Or no one is willing to answer. This is why the first group that tried to collect the loan is no longer attempting to collect it. They discovered its fraud, and that there are too many errors and what the small section of the Department of Education is doing in this matter. I have contacted the Inspector General of the Department of Education in an effort to get to the bottom of this abuse of power and deliberate misinterpretation and misapplication of the law current | ||||||
| 04/13/2017 | Yes |
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| To Whom It May Concern : When we took out the student loans, we dealt with XXXX. We had no issues ; all accounts were paid and up to date. We never experienced any issues. When the loans we taken over by Navient, all of a sudden, we were getting accounts that were being paid and being misapplied to other accounts. When we contacted Navient, we attempted to set up direct withdrawals on a monthly basis, with all our accounts. It seemed to have worked for a month or two, then after that period of time, we realized, that they were no longer withdrawing the set amount agreed upon. We contacted them yet again, and were told that, that program was no longer in effect. We agreed upon a set amount of money, and that was perfectly fine, until the time ran out. I contacted them to set up that amount of money again, and they refused. They told us, the only way to bring the accounts current was to put them in forbearance, which of course, accumulated more interest and more fees. I took that amount of money and divided it up amongst the XXXX accounts evenly, and now they have totally destroyed our credit. So then we started all over again. We again spoke to a Navient representative, to set up a direct withdrawal program, which again worked for a few months and the same thing happened ( the program was no longer in effect ). As our frustration mounted, we again realized, that any payments we made were again being misapplied to different accounts. We have received several bills with different account numbers, and different loan numbers. When we called Navient, the total amount of time wasted, constantly repeating our situation, it got more and more confusing and exasperating. We contacted Navient by phone several times, when we found someone that sounded sympathetic, that was willing to work with us, we could never reach the same person twice. On numerous occasions, we asked to speak to a supervisor in which case we were treated like garbage. They told us, we would have to give them a financial statement to see if we qualified for a different program. When they asked for a financial statement, we realized, they were trying to tell us, how much we could afford as opposed to the reality of our situation. We have tried to make payments online, but every month we get notices that we owe a completely different amount than what we paid. We are at the breaking point now, that dealing with Navient, has been a infuriating experience to say the least. We have tried to pay what we can every month, but we feel like there no end in sight and there is nothing we have been able to do, to get the situation under control. We get constant phone calls that begin at XXXX on Saturday and continue all day everyday, 7days a week. We do not know where or what to do at this point, that 's the reason we are writing this letter to see if we can get some relief for our situation so we can pay off these loans. As we are caught in this vicious circle, the interest on our loans keeps accumulating. We have tried to apply for other debt servicing companies to get away from Navient, but they have sufficiently ruined our credit to the point where we can not get approved anywhere. Please help!!! | ||||||
| 10/02/2017 | Yes |
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| To CFPD, This is the first of a series of complaints involving XXXX XXXX - A.K.A. XXXX. I had previously contacted the CFPD on XXXX XXXX, XXXX and stated that I would submit a complaint at that time. However, it has taken me years to painstakingly go through my records and notes to make sense of what has actually happened to me. Now, I had called many organizations for help, and one such organization that helps with credit told me that he couldnt help me regarding XXXX XXXX. He stated that XXXX XXXX has a force field around them and that the government protects them, including this very organization. If this is true, then I respectfully request that the CFPD make an exception with me and practice actual, true, due diligence in handling my complaints. Complaint 1 : University Solicitation In XXXX, before classes had started, I had several conversations with XXXX financial representatives at the Finance Tower. While going through financial aid options, I was given a handout with a listing of private student loan servicers, see XXXX Alternate List PDF attached. The XXXX financial representative understood I didnt have much time and recommended that I either try XXXX XXXX or XXXX XXXX as they were the fastest and both could do everything over the phone. I accepted this recommendation and called XXXX XXXX first. I was denied and then proceeded to call XXXX XXXX. Between the years XXXX and XXXX, I was solicited by a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, during a business event held at XXXX XXXX main campus, see Business Card PDF. Speaking with the representative made me feel safe with my decision to borrow money through XXXX XXXX I thought that if my college had invited him to speak with students, that perhaps it was OK to borrow money through XXXX XXXX. I subsequently continued to apply for student loans with XXXX XXXX. I did notice something strange. I noticed that he was hanging around all by himself for a while, not really talking to anyone. Before I left, I witnessed him speaking to an XXXX XXXX female student. While walking back to my dorm, I realized that perhaps, XXXX XXXX was targeting people of XXXX to borrow money for school because stereotypicaly, people of XXXX are known to not have money to pay for school. I am a person of XXXX and was familiar with racism on campus as I clearly remember a group of tall men surrounding me in front of the SUB building, asking me Are you here to take our jobs? Are you here to take our jobs? I remained silent, and was fearful of what they would do to me should I look at them in the eye, move, or say anything back. I will not be silent today. I would like to know, does XXXX University receive commissions from XXXX XXXX to promote their company by means of University employee recommendations or on-campus visits of XXXX XXXX sales representatives? I would like to know, does Navient XXXX. Sallie Mae, have internal practices that specifically target people because of the XXXX of their skin or XXXX heritage? If so, I believe this is wrong and should stop. My complaint is that I was solicited on XXXX XXXX campus to borrow money with XXXX XXXX. And these said recommendations resulted in financial damages. | ||||||
| 09/16/2018 | Yes |
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| In XX/XX/XXXX, I called to reapply for the " rate reduction program ''. I was approved. My new payment amount began in XX/XX/XXXX and was allocated properly between interest and principle. In XX/XX/XXXX the same was true on the date of the payment ( XX/XX/XXXX ), but on XX/XX/XXXX an adjustment was made of {$440.00} to principal and - {$440.00} to interest. Then on XX/XX/XXXX there were XXXX additional adjustments made. One was {$0.00} to principal and - {$650.00} to interest. Another for - {$290.00} to principal and {$290.00} to interest. The third was - {$94.00} to principle and {$93.00} to interest. None of these numbers add or up or make any sense. My agreed upon monthly payment is withdrawn from my checking account by Navient each month, so there is no reason for any adjustments. I have been on the " rate reduction program '' for more than five years now ( first with Sallie Mae, then with Navient when they took over ). Every single year I have had this exact issue. Every single year, I spend hours upon hours on the phone with Navient during the work day ( I am an hourly associate, so this reduces my income ) only to be given one random explanation after another. Each year it takes multiple phone calls, over multiple months to resolve the issue and the " reason '' for the adjustments changes with each phone call. In the end, I am left with no way to cross check or confirm that the amount put toward my principle balance and interest is accurate because there have been so many adjustments made. Usually the issue is only resolved after I make a complaint to the CFPB and the XXXX. By the time the issue is finally resolved, it's usually almost time to reapply for the next year ( and this is now exacerbated by Navient changing their terms to 6 month increments ). My latest statement ( dated XX/XX/XXXX ), shows the total amount due on XX/XX/XXXX to be {$1400.00}. This is a combination of all eight of my " signature student loans '' and my one " smart option student loan '' with Navient. The monthly payment I was approved for and agreed upon in XX/XX/XXXX was {$1000.00}. While my statements tell me {$1400.00} is what I'm expected to pay on XX/XX/XXXX, when I login on to the website, it tells me the {$1000.00} amount. Also, on XX/XX/XXXX, I received a " rate reduction notification '' for each of my Navient loans through the inbox on the Navient website. Again, I called to reapply for the " rate reduction program '' in XX/XX/XXXX and was approved at that time. The rate reduction notifications I received in XX/XX/XXXX do not state time frames for which I am enrolled. ( This wouldn't be something I'd question except for the fact that I'm receiving these notifications two months after I've already started the program ). I tried calling Navient today ( Saturday ) to get an explanation for these issues, but their hours of operations are now restricted to only Monday through Friday XXXX XXXX to XXXX XXXX. I am on my way to work by XXXX XXXX and do not get home from work until about XXXX XXXX. Navient does not offer a method to communicate with them via message or chat through their website, so this leaves me unable to resolve my issues with them. | ||||||
| 12/31/2020 | Yes |
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| I was emailed by Navirefi an invitation code to apply to refinance my student loans with their company. I proceeded to fill out the application. There was a portion to choose the loans you would like to refinance with them. I chose my private loans and opted not to include my federal loans as I don't want to lose any federal benefits and I am in a Pay As You Earn payment plan with them. Navirefi proceeded to offer to refinance my private loans at 5.04 % ( with autopay ). This would drop my monthly payment for private loans by approximately {$500.00} and help out my financial situation greatly. The application was approved and I had the option to change my mind up until today, XX/XX/2020. I did not change my mind but instead, on the morning of XX/XX/2020, I received an email stating the following : Dear XXXX, Thank you for choosing NaviRefi. During a recent review of your application, we identified an issue with the terms of the loan that you accepted. The issue has since been resolved. Unfortunately, we have to cancel your loan that is scheduled to disburse in the coming days. We apologize for this inconvenience. Our customer care team is ready to rectify the situation and we encourage you to call us as soon as possible to resubmit your application. Please contact us at XXXX. Our call center hours are : Monday through Thursday from XXXXXX/XX/XXXX XXXX to XXXX XX/XX/XXXXET ( The call center closes at XXXX XX/XX/XXXX. ET on XX/XX/2020. ) Friday from XXXXXX/XX/XXXXET to XXXX XX/XX/XXXX ET ( The call center is closed on XX/XX/XXXXXXXX. ) Sincerely, NaviRefi Customer Care I immediately contacted Navirefi and was told that I most likely shouldn't have received this email and the customer service rep would call me back after speaking with her supervisor. After speaking with her supervisor, she called me back and stated the refi can not go through because I didn't include my federal loans. I told her I did not want to include my federal loans. She stated that I am paying over {$1700.00} a month on the federal loans and this is too high for the refi of my private loans to go through. I explained that I am in a repayment plan and am not paying this amount for my federal loans ( this is more than I take home in a month! ). I offered to send over my pay as you earn documents from the federal loan system and she declined. I asked why my application was approved and she stated their was a glitch in the system on the day that I applied and no one should have been able to pick and choose the loans they wanted to refinance with them. Also, they stated my credit report shows my monthly payment being more than {$1700.00} for my XXXX. I have pulled all 3 reports and this is not true. Not any of my reports display this information. Basically, they wanted my federal loans to obtain more money and had no interest in helping me refinance and have a better rate for my loans. This is not a fair practice and deceiving. It's unfortunate that Navient and their associated partners have no interest in working with their clients. I would not ever recommend Navient or their partners such as Navirefi unless you want to struggle making payments that you can not afford. | ||||||
| 01/24/2017 | Yes |
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| Several issues have taken place, I will try to bullet point for the most important issues that have occurred : In trying to find out how many months of deferment/forbearance I have left, the number of months remaining on each account differed and did not match with my records. In XX/XX/2016 I spend 20 hours over 5 days to try and get the answer from customer service, no one could answer the simple question " tell me what month/ year your system shows each of my loans was in forbearance ''. I was told several times there was " something wrong with my account '', but no one could tell me what. Finally, I was told paperwork would be sent to me in the mail. I never received this information I requested. I called back, and no record of the mail request was in the system. Additionally, I have been paying on time for the life of my loans because I set up my automatic repayment on the Navient platform. I have had several months of " forbearance '' the customer service reps AND collection department reps told me about, but I have bank statements showing that Navient auto-pulled my loan payment for those months. I have now accrued interest, which has been capitalized, FOR NO REASON and NO ONE at Navient that I spoke to 1 ) could help fix it ( they kept bouncing me back and forth between collection department and customer service ), 2 ) would put me on the line with a supervisor or manager, 3 ) tell me who I need to speak with to fix this. I was told " the only option you have is to default and let your loans go to collection department, that way you can create a customized repayment plan ''. I have no problem repaying my loans, but I will not pay anything when the loan servicer can not figure out what disarray they have jumbled my account into, not being able or willing to tell me where my money is going, and how to stop false forbearance. Lastly, I have tried to look at my repayments and how the money was distributed. I have been paying over {$800.00} a month for several years and my loans have seemingly gone up? How is that possible? When I confronted a customer service rep with this question the response was " no your loans have gone down, just look online at how each payment is allocated. All of the information you 're asking for is online. '' How is this an acceptable response when I specifically said, " I printed out all of my monthly payments from my online account ''? This company is a scam, they are going to end up ruining my life with all of their XXXX and no one cares. Please help me fix this! I want to pay back my loans and be able to live my life without worrying every day if my money is actually going to paying for my education! I went to college, graduated, got a good job, and am being penalized every month for adhering to my end of our contract, when Navient frivolously and erratically charges me for false issues, says I am not paying, making my credit score go down, stealing my hard earned money and still telling me I should let my accounts default as my very next option ... IS THIS A JOKE!? HOW ARE THEY ALLOWED TO OPERATE IN THIS COUNTRY WITHOUT HEAVY GOVERNMENT OBSERVATION AND AUDITING?!? THIS IS ABSOLUTE INSANITY! PLEASE HELP! | ||||||
| 12/06/2017 | Yes |
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Web | Servicemember |
| I have been paying on my student loans for over 17 years now and there are several discrepancies I have tried to resolve with the loan company, but with no resolution. To begin with, the loan was originated in XX/XX/XXXX, with original terms of 240 months repayment ( I wanted 180 months as indicated by my initials on the consolidation note ). At the bottom of the note, the loan official signing the document wrote in terms of 360 months when it is clear the original terms were less than this. The loan balance at the time of the note was {$81000.00} In my last communication with Navient, who now services the loan ( XXXX XXXX was the servicing company prior ), they provided a statement again showing the 360 month term ( which I DID NOT agree to ), saying I have paid 141 months of the note at {$750.00} and 219 months remain. They then go on to say that I have used 43 months of deferment/forebearance during this time WHICH IS SIMPLY NOT TRUE. I have used the forbearance option for a month or two hear and there, but absolutely have not deferred the loan for any substantial length of time since I have begun repaying the loan. I have also been repaying the loan with extra money each month for quite some time now totaling {$800.00} a month. Navient also stated that the loan would be paid off in XX/XX/XXXX. Now they have added 4 years on to a note of 360 months that I still did not agree to and is in direct conflict with what is written on the consolidation agreement. Over the years I have had these student loans, the servicing company has changed a few times, thus making it difficult to trace payment histories back to the very beginning of the loan. XXXX was the first servicing company followed by XXXX XXXX and now Navient. I have printed copies of much of the payment history and a personal ledger that I have kept since XX/XX/XXXX, showing payment histories and discrepancies between what I have paid and what they are saying I have paid. In addition to these issues, there is major concern for the balance of the loan as of today as compared to when it first began in XX/XX/XXXX. As of the day of this letter being written, the loan balance is {$80000.00}. This is {$1700.00} less than the original balance of the loan at the time of consolidation. Where has my money been going for the past 17 years, especially considering I have paid extra for quite some time? I have loan amortization programs available to me showing the balance should be SIGNIFICANTLY LESS than the amount they are showing, if not paid in full by this time, considering the extra funds I have paid each month and the incorrect terms of the original note. There are also two disbursements on the account history provided by Navient in XX/XX/XXXX and XX/XX/XXXX of {$4700.00} and {$3000.00}, respectively. I finished XXXX school in XX/XX/XXXX, so why would there be any additional disbursements? As you can see, there are NUMEROUS discrepancies in the manner with which these loans have been " serviced '' over the years. I ask for your help in getting these issues resolved as quickly as possible and an explanation provided as to where my money has been used other than paying down my loan. | ||||||
| 10/21/2015 | Yes |
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| Name of school : XXXX UniversityLocation : XXXX, TXNavient is currently the servicer of my private student loans. Originally, XXXX XXXX serviced my private student loans from XXXX - XXXX after I graduated from XXXX. In XXXX, I went to XXXX school, and Navient recently took over my loan. I graduated from my XXXX school XX/XX/XXXX. I contacted Navient in XXXX XXXX XXXX while my private loans were still in deferment ), spoke with an agent, and we agreed upon a repayment plan where I would pay interest-only ( which would be $ XXXX/month XXXX for 24 months. I received my first loan bill in XXXX XXXX, and it was much higher than the interest-only payment that we had agreed to only a month before the bill. I immediately called Navient in XXXX and spoke with another agent. The agent set me up on the interest-only payment plan again and told me to disregard the XXXX bill because our agreement would take effect immediately. During the XXXX conversation, I provided the agent with my credit card number, so Navient could directly deduct the payments. Navient has been deducting the interest-only payments from my credit card since XXXX XXXX. When I logged into my account yesterday, I noticed that I have a past due amount of {$49.00} on XXXX my private student loans that I have an agreement to only pay interest on. I currently have a current due amount of {$190.00}. According to their information online, they are still charging me for regular payments on XXXX of the XXXX private student loan accounts that I have with them - even though we agreed upon an interest only payment plan for XXXX my private student loan accounts. On XXXX XXXX, I called Navient for the third time to clear up this issue. I briefly spoke to an agent, and they told me that they would have to transfer me to another department and put me on hold while the transfer occurred. I had to hang up and call back after they had me on hold for over 30 minutes! When I finally spoke with an agent again, they informed me that I would have to speak to their in-house collections department because they could not handle my billing issue. I do not even understand how I ended up dealing with their in-house collection department, since I have never had past due payment issues with them ( of course, until this last incorrect bill ). When I set up my interest only payment plan in XXXX XXXX, I did not realize that I was talking to their in-house collections department. At the time, my first payment was not even due yet. I have received inaccurate and incomplete information from Navient since I first contacted them in XXXX XXXX to set up a payment plan. I am a very responsible borrower, and I always make sure that I have a good grasp of my debt obligations to ensure that I am able to fully service my loans. It is unfortunate and frustrating that Navient is unwilling to uphold their own terms that they agree to with their borrowers. When I review my Navient bills online for the months of XXXX XXXX - XXXX XXXX, I see that the amount that I owe significantly varies from month-to-month. This is very unclear and misleading because I am only supposed to be paying interest only, per my agreement with Navient. | ||||||
| 08/09/2019 | Yes |
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| Sallie Mae originally had my loans and now, Navient has them. I have attempted since the very beginning to acquire about student forgiveness since I worked as a XXXX XXXX for 10+ years in inner city and XXXX XXXX XXXX. However, I was always given inaccurate information, etc. since XXXX and XX/XX/XXXX. Unfortunately, my loan has been mishandled. The history reflects that its been more capitalized interest and late fees than payments. Again, I have sought, written, talked and advocated for YEARS to obtain loan forgiveness. According to Navient as of XX/XX/XXXX, I had the following : Voluntary forbearance - used 60 months which is the max ; Unemployment forbearance -used 36 month which is the max, and no economic/hardship deferment or burden forbearance entitled for 36 months. I worked for a school system as a XXXX XXXX XXXX for 10+ years from XXXX. In starting my career, I started to pay a minimum amount towards my student loans.But throughout the years and with various hardships, I could not pay. So, I communicated with Sallie Mae/Navient still asking for loan forgiveness. I was given various information about contacting the Dept. of Education ( which I did and local agencies, too ) but I never could acquire how to do it. Eventually Sallie Mae/Navient began to introduce forbearance information, etc. and I started to make application to seek remedy. Then, I moved to the State of Mississippi in XXXX, XXXX. I changed jobs and eventually lost my job. Navient throughout my move and life circumstances has not provided any information about new loan forgiveness program or not much of anything else except a forbearance. Until, XXXX, XXXX, I recently learned through Navient about the Income-Driven Repayment. During that time, I thought the plan was the Obama Student Loan Repayment plan based from the information given by Navient. However, I was eventually told months later that I did not qualify for the program, but I was in the income-driven repayment plan program! What is that? This information was not fully explained nor did I fully understood. If so, I would have been advocating about acquiring this program years ago. Since Navient told me about the program in the midst of reapplying, I talked with a supervisor, XXXX, to asked about retroactivating the years I missed being in the program since, I was not informed by Navient. She said that the company could not retroactive it. Regretfully, Sallie Mae/Navient has steered a stuggling borrower toward multiple forbearances instead of income-driven repayment plans. The information is there. I've asked for all of the times I received a forbearance but the information is not located ANYWHERE on my profile. So, for the 2nd time, THEY ARE SUPPOSE TO SEND ME THE INFORMATION!!!! In conclusion, in just finding out about this information also has created another problem because it has resulted in misallocated of payments, how to enroll and re-enroll in IDR, unnecessary interest occurring and negative credit strikes due to Sallie Mae/Navients ' business practices. I believe that several lawsuits including the State of Mississippi have issued information about the same thing I am talking about. | ||||||
| 01/15/2019 | Yes |
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| Hello, I had several student loans with Navient over the years. I was enrolled in school in XXXX and XXXX. I also filled BK CHP 11 in late XXXX. My students loans were deferred during the time I was attending school. I paid my students loans after I graduated on a monthly basis. meaning post XXXX. In late XXXX I filled CHP 11 business BK due to owning several rental homes, not credit card, car loan etc debt. Once I filled in XXXX of XXXX my attorney stated " all of your loans will be deferred and forgiving ''. My attorney did state only private students loans, not XXXX. He claimed the XXXX student loan companies would reach out after my BK and notify me by mail or email on when to start paying and how much I owe. ( never happened for my wife or I ). I wasn't trying to get out of paying these, I was never informed by Navient when and how much which I feel is not ok. It seems like Navient has this pattern as a tool to increase fees ( late, interest increased rate etc ) which is unethical. My CHP XXXX was finalized in XX/XX/XXXX and Final Decree was offered from XXXX court system. In XX/XX/XXXX I stopped paying my student loans as instructed and went through the painful BK process. I have always kept my profile up to date online with Navient.com and contact number. Per Navient I've made a late payment over the summer of XXXX. ( XXXX, XXXX and XXXX ). I can assure you this did not take place. I haven't heard from Navient since XXXX at all. Not one letter, email or phone call stating I owed any money. My attorney told me the loans were gone and I wouldn't have any more student loans. My attorney was referring to my XXXX student loans, not my XXXX student loans. My BK CHP 11 created dysfunction in the credit banking world. Since a small percentage of the public file CHP 11 my creditors weren't sure what to do. My home loans ( XXXX XXXX, XXXX etc all made the same error on reporting my payment history. I was able to get correct with my home loans over a 16 month process ( XXXX ), but resolved. I have been grossly unsuccessful with Navient. Navient has made two errors. Error number one : Per my XXXX credit report Navient shows I owe a balance. ( I paid all loans off in XX/XX/XXXX ( recorded with Navient in XX/XX/XXXX ). Error number two is Navient shows that small window in XXXX I paid 30+, 60+ and 90+ late payments which I haven't. How do I pay a bill for under XXXX dollars a month if I am not aware I owe it. I made over XXXX in XXXX and XXXX why would I not pay this monthly payment. Once I realized what was going on I paid the balance of XXXX + off immediately. I've called Navient customer service multiple times and get the run around. This company has horrible public complaints which most have the same story I do. Please force Navient to show XXXX balance and correct my false late payment history. They can't just pick a month and year I should start paying again and expect me to know what is going on. This is abusive and not ok to treat someone like this. Why does Navient have hundreds of complaints and law suits and allowed to stay in business???? Please review the negative comments Navient has to confirm my accusations Regards, XXXX XXXX | ||||||
| 03/25/2021 | Yes |
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| XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : NAVIENT SOLUTIONS INC XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX ACCOUNT # XXXX EXCEPTIONS TO DISPUTED ARGUMENTS AS STIPULATED : I demand that this account be posted on all three credit bureaus, as currently it is only posted on XXXX XXXX XXXX XXXX XXXX This is causing me difficulty as I can not post the proper credit rating on all bureaus that I deserve. Accordingly, I respectfully request that the above referenced subscriber to the credit bureaus top clear all obstacles that hinder the account information across credit reporting agencies, adding XXXX and XXXX XXXX into its monthly reporting on payments and overall account status. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX | ||||||
| 06/16/2019 | Yes |
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| Navient is my student loan servicer. Here is what happened : On XX/XX/XXXX I set an " overpayment '' of {$500.00} to my direct, unsubsidized loan. On XX/XX/XXXX I set an " overpayment '' of {$500.00} to my direct, unsubsidized loan. I am currently on monthly " autopay '' and noticed that the {$1000.00} did not go toward an overpayment toward my load on those two days, but instead went toward the MONTHLY payments. As a result, {$1000.00} went toward MONTHLY payments, for several months in advance. This way Navient used all of my {$1000.00} overpayment for INTEREST, or company profit, rather than the PRINCIPAL of the loan I'm trying to pay off. Pasted below in this message is my payment information since XX/XX/XXXX, showing that the two overpayments of {$500.00} resulted in NAVIENT NOT charging monthly autopayments after my two overpayments of {$500.00}. Please keep the pasted payment information so that other graduates can see exactly what this looks like, for themselves. Desired solution : If possible, I would like to re-allocate the excess {$1000.00} to the PRINCIPAL of my loan, so that it does not touch Navient/Interest. I've contacted Navient by email about this issue as well. Research about this Navient loan servicing problem : I've found that my exact scenario is one of the reasons that CFPB sued Navient in XX/XX/XXXX: The second quote, from " XXXX '' describes my scenario. XXXX XXXX XXXX " Borrowers aiming to get ahead on their loans by making extra payments may also have been burned. The suit alleges Navient often processes such payments incorrectly, resulting in late fees, interest charges and negative reports being sent to credit reporting agencies. " " For federal student loans, regulations stipulate any extra payment goes first to outstanding fees ( like late fees ), then to interest accrued since your last payment, and then to the principal of the loan, said XXXX XXXX, director of consumer outreach and compliance for XXXX XXXX XXXX, a nonprofit focused on higher education financing. Sometimes private loan servicers will apply any over-payment to your next months payment instead of the principal, XXXX said. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Due Date Amount Status Auto Pay Show more information 1-03 Direct Loan - Unsubsidized XX/XX/XXXX {$0.00} Scheduled Total Current Balance : {$10000.00} View all Loan Details Please note : This is an attempt to collect a debt and any information obtained will be used for that purpose. Recent Payments Date Amount Status Coming From Show more information XX/XX/XXXX {$110.00} Auto Pay Bank Acct XXXX Show more information XX/XX/XXXX {$110.00} Received Payment was received -- Show more information XX/XX/XXXX {$22.00} Received Payment was received -- Show more information XX/XX/XXXX {$500.00} Received Payment was received -- Show more information XX/XX/XXXX {$500.00} Received Payment was received -- | ||||||
| 03/03/2019 | Yes |
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| Navient gave me wrong information regarding deferments. Navient told me I could not cancel my deferment and make payments. Navient, it seems, did not process my payments correctly. Navient did not refer me to XXXX when I requested to be in the 10 year loan forgiveness program. When I went back to school XX/XX/2016 at XXXX my loan automatically went into deferment. When I called Navient to say I still wanted to make payments toward my 120 qualifying payments for loan forgiveness, Navient told me that I if I made payments while I was in deferment the payments would not be counted towards the 120 payments. I said I did not want my loan in deferment. The Navient rep told me that while I was in school my loan would be in deferment and I did not have to make payments while it was in deferment. Again I said I don't want my loan in deferment. I asked how can this be resolved? The Navient rep had no answer for me. I called back again to talk with another rep who gave me the same story. I found out from another Navient rep a year later that what I was told was not true. I could have continued to make IBR payments, I needed to call another phone number to request a deferment cancellation and reapply for an IBR plan. XXXX XXXX who now has my loan and has taken a year so far to process Navients payments. XXXX has said that they needed to carefully look at each one to make sure it was processed correctly and is a qualifying payment. There automated system only found 6 qualifying payments, there are 31 more payments that need to be looked at more closely by hand. These payments may or may not be qualifying. Additionally, Navient told me that I didnt have to fill out any paperwork to apply for the loan forgiveness program. I asked several times in the 5 years. They said I just needed to make IBR payments for 10 years and my loan will be forgiven. I found out from a co-worker that I should have submitted an application for the student loan forgiveness. When I talked to Navient about this form they gave me the number for XXXX and told me that XXXX handle the processing of this form. Navient rep also said that I didn't have to fill out this form but it was a good idea. They also made it seem like XXXX just processed these applications. I realize after filling out the online application and paperwork that my loan was being transferred from Navient to XXXX and that XXXX was another loan handler. Problems I am having -- Problem 1 -- I missed a year of payments because Navient told me that I couldnt make IBR payments while I was in deferment and that I couldnt get out of deferment while I was in school. This was incorrect. I could have been one year closer to being finished with these loans. And if I get stuck with this loan because Navient didn't process my payments correctly I'm paying a years worth of interest on top of that. Problem 2 -- Navient should have sent me to XXXX XXXX from the beginning if they could not provide adequate services, paperwork and application for the 10 year loan forgiveness payment plan. Problem 3 -- XXXX says I only have 6 qualifying payments from Navient so far, and Ive made over 5 YEARS worth of payments with Navient. | ||||||
| 05/26/2017 | Yes |
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| On XX/XX/XXXX I calle d Navient in hopes of figuring a way to make my monthly payment manageable. ( Last year my repayment plan ended and my monthly payments more then doubled. ). During my call the agent collected my financial information in hopes to reduce my monthly payment, this did not work because it did not fit their policy that the new payment must be atleast {$50.00} less per month ( turned out my would have been new payment would only be {$45.00} less so I apparently do not qualify ). So my next option was to enter forebearance which would cost {$150.00}, this would catch all loans but XXXX up to current, the XXXX loan that did n't qualify would be brought to one mon th past due as of XX/XX/XXXX . I agreed to these terms and promised to make a payment on my next pay date. GREAT ... .so I thought. XX/XX/XXXX I c all to make my payment of {$83.00} that was due XX/XX/XXXX ( from what I was told ) the agent who was working with me started getting the payment ready, he then asked if I authorized the payment of {$160.00} ; I asked why him why did my amount just double? He said the amount ( which he quoted XXXX at the beginning of call was now XXXX because it was past due since XX/XX/XXXX . This did not match what I agreed to on Friday XX/XX/XXXX . I a sked him to check the notes, he said the forebearance was only through XX/XX/XXXX not XX/XX/XXXX ; the agent on XX/XX/XXXX stated XX/XX/XXXX in our call which I agreed too. I asked if I could speak to a supervisor and I was told that was not possible. I asked if my phone call could be retrieved from m y 5th call ( since all calls are recorded ). I was given the run around about how the agent could n't do that and all he could see was an amount past due of XXXX and how would I like to make my payment. I got very emotional and broke down, I was then transferred to a nice lady who then said she noticed the forebearance was applied incorrectly and that she would work on the solution and would call me back on Tuesday the XX/XX/XXXX and email me the correction. I never heard from her last week. I recieved 8 calls on Wednesday morning in the span of 3 hours from Navient trying collect money, I took a call around XXXX , the agent told me I was past due {$250.00} ... .so in one weeks time I went from owing {$83.00} to {$160.00} to {$250.00}. I refused to pay the payment to the agent and stated I was still waiting for a phone call from someone who supposedly was going to correct my forebearance that was done incorrectly and a a new statement to reflect my ACTUAL amount due. I recieved a statement yesterda y ( XX/XX/XXXX ) showing I owe {$520.00} due XX/XX/XXXX . I am completely frustrated with the all the different totals I am given EVErY time I call, I frustrated with the lack of follow through on the customer service aspect. I do not believe my payments are applied correctly. I do not understand how their repayment plan works. I can not afford my monthly payment and have asked multiple times throughout the months on how we can rework this so that I can afford the payment and make timely payments and they refuse to help. | ||||||
| 06/01/2018 | Yes |
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| I have a private student loan that was originally with XXXX and then was managed by XXXX for a very long time. With XXXX my payments were roughly $ 310/month. I was electively overpaying by $ XXXX/month in an effort to pay the loan off faster. In XX/XX/XXXX my student loan was transferred to Navient from XXXX. At this time I decided I wanted to revert back to my prior standard repayment plan of lower monthly payments. I have contacted Navient every 1-2 weeks since XX/XX/XXXX in an effort to make this change. I am always told that my request will take 7-14 days to process and I will receive notification. I have never received notification and repeatedly call for updates and to make the request. It took me 2 months to succeed in Navient calculating my new monthly payment of {$310.00} which took place XX/XX/XXXX. Despite the success in obtaining my new monthly payment, my enrollment in autopay has remained locked in at {$1000.00}. Again, multiple calls placed to have Navient update this without any changes taking effect. I was told on multiple occasions to unenroll in autopay so that the system can update. I receive a discount of 0.25 % interest for enrollment in autopay. I have been unable to enroll in autopay for payment of my loans for 3 months because of their inability to reduce the autopayment amount to the new rate of {$310.00} which I was given in XX/XX/XXXX. On XX/XX/XXXX I called again to check on the status, but have now learned that despite all of my requests for the autopay to be updated and the prior approval and processing of my reduced payment of {$310.00}, my monthly payments are back at {$1000.00}. Navient is unable to give me explanation as to why my rate has increased and reverted back to the prior rate. I am told that all of my requests are approved, but it may take up to 14 days for processing. However, this is what I have been told for almost 3 months without any changes. My next payment is due XX/XX/XXXX and the amount is {$1000.00}, not the reduced amount of {$310.00} that I was told and paid in XX/XX/XXXX. I was told by Navient today ( XX/XX/XXXX ) that my current options are forbearance as my request may not be processed in time or delinquency if I choose to pay less than {$1000.00}. I have never missed a payment on any of my student loans and have a nearly perfect credit score. I am very financially responsible, but Navient is making it nearly impossible for me to pay my loans despite all of my best efforts. I do not want to go into forbearance because they can not process my requests in a timely manner, and do not want to be delinquent for being unable to pay the higher amount that they are locking me into ( an amount that only was created by my choice to overpay temporarily ). Additionally, I am now out 3 months of interest at 0.25 % due to Navient 's inability to complete this task and feel that I should be reimbursed. I have been very patient with Navient and have spoken to supervisors and even emailed the company 's leadership, but do not feel that my voice is being heard and need someone to advocate for me to help get my issue resolved ... preferably before my next due date of XX/XX/XXXX. | ||||||
| 06/14/2016 | Yes |
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| My son contracted with XXXX ( now Navient ) for student loans. The first loan was originated on XXXX/XXXX/XXXX for the amount of {$10000.00}, and the second loan was originated on XXXX/XXXX/XXXX for the amount of {$15000.00}. I cosigned for the student loans at that time. I believe that XXXX ( now Navient ) and XXXX XXXX XXXX College ( XXXX XXXX, Kansas ) conspired in predatory lending practices in order to persuade college students, including my son, to take out high dollar loans at excessive interest rates and unfavorable terms. At the time, the school and lending agency did not offer any other alternatives, and insisted that this was the only available loan option. Additionally, we were not given any accounting as to how the money was used. Since that time, my son has been unable to meet his payment obligations due to personal financial difficulties. He made numerous attempts to negotiate payment terms with Navient, but the company was unwilling to work with him. As a result, he defaulted on his loans, which made the loans my responsibility, as cosigner. I have been in frequent communication with Navient, but their process management is uncoordinated. As a result, I have had to deal with multiple individuals, none of whom appear to talk with each other. In addition, Navient 's record keeping system is unreliable. My XXXX daughters also have student loans with Navient, and Navient has confused payment information between the different loans. Navient also withdrew loan payments from my personal checking account without authorization, both for my son 's loans and for XXXX of my daughter 's loans. Navient has engaged in extensive harassment by calling me on multiple phone lines many times a day, including phone calls prior to XXXX and after XXXX, for an extended period of time. Many of these phone calls included threats and accusations, including demands that I make immediate payments using personal credit cards. In my attempts to resolve this dispute with Navient, I requested transcripts of these phone calls, which they first said they could provide, but subsequently, they claimed that such transcripts are not available. I have, after many attempts, been able to reach a partial verbal agreement with Navient, which stipulates the following. A downpayment of {$2500.00}, which I have made Monthly payments of {$160.00}, which I have been making Interest rate of 0.001 % However, I have been unable to obtain a written statement which includes the total number of payments the company will require me to make, and the total amount to pay off the loan. Since Navient has lost record of my payments in the past, and I have not been able to get an agreement in writing, I am concerned that, if the individual I have been dealing with leaves the company, I will be starting over in this process. However, the company has refused to address my request for an agreement in writing. They demand that I make monthly payments on their terms, but will not give me the information I need to set up automatic payments from my bank, and have ignored my request for a written agreement to formalize the new loan terms. I find them unresponsive and unreliable. | ||||||
| 03/10/2023 | Yes |
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| Debt Validation Letter Friday, XX/XX/2023 XXXX XXXX XXXX XXXX To Whom It May Concern : I, XXXX XXXX XXXX XXXX XXXX am a consumer as per the Fair Debt Collection Practices Act and fully invoke my rights as such. Please be advised that this is not a refusal to pay but a notice that your claim is being disputed and validation is requested as per 15 USC 1692g. This is not a request to verify the debt but a request for you to provide complete and competent evidence that I have any legal obligation to pay you. I would also like to inform you that if you have reported any invalidated information to any credit reporting agency, such as XXXX, XXXX, and/or XXXX, may constitute as fraud by both Federal and State Law. Therefore, if any negative mark is found on any credit report by your company or any affiliates, I will not hesitate to bring legal action against you and any affiliates for violating the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and Defamation of Character. Once I receive the information requested through written communication through the mail only, I will review it and respond within thirty days. If this validation request is not fulfilled within thirty days from the receipt of this letter, all references to this account must be deleted and completely removed from my credit report and a copy of the deletion request will be sent to me immediately. If I receive any communication from you or any of your affiliates through any other medium from the date of receipt of this letter, I will not hesitate to bring legal action against you or any of your affiliates for harassment. Thank you for your efforts in this matter and I look forward to your response. XXXX XXXX XXXX XXXX I request that the following information be provided to validate this debt : - Name and address of alleged creditor - Name on file of alleged debtor - Alleged account number - Address on file for alleged debtor - Amount of alleged debt - Date this alleged debt became payable - Signed agreement alleged debtor made with creditor - Any agreement that bears the signature or alleged debtor wherein agreed to pay Debt Collector - All statements while account was open - Full audit trail from conception of alleged debt - Have any insurance claims been made by any creditor regarding this account? - Have any judgements been obtained by any creditor regarding this account? Please provide the name and address of the bonding agent for Navient in case legal action becomes necessary. Authorized signature of Creditor ______________________________________________________________________________ Date _____________________________________ This form must be completed and returned along with all copies of all requested information, assignments, and/or any transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Under the Fair Debt Collection Practices Act, this is a request for the validation of this alleged debt. If any portions of this request are not completed in full, this alleged debt will not be considered, and litigation will be pursued. | ||||||
| 02/04/2022 | Yes |
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| Because of the negative press surrounding Navient, I started digging into my situation with them and noticed that within my account history it shows that most of my payments for 15 years have been applied only to interest. In 15 years I have paid principal maybe 15 times. So 15 months of principal payments and XXXX years of interest payments. My balance at start was XXXX ( 15 years ago ) and now its XXXX. My interest rate is XXXX -- so now that I am more knowledgeable, I realize that I am paying at a minimum XXXX monthly in interest but they have had me in payments well below for most of my loan. My lack of financial knowledge helped them take advantage of me. They do not disclose accrued interest at all. at no time was I ever informed that my payments were not sufficient to be applied to principal. And despite my history showing some larger payments as well, the amounts applied to the principal is very small. If this isn't predatory lending, I can't imagine what is. After seeing my history I realized that thousands upon thousands were just added to my principal and so hence my XXXX current balance. So it seems that for 15 years I have been paying and paying approx XXXX - XXXX $ into the wind. And now I realize why all of my payments were below the daily interest amount. So that I would always pay just interest. Never actually paying my school loan that they give so easily to students who are just starting to get their education and don't understand finance. It appears to me that upon signing my school loans, I entered into a life of servitude to the loan servicers sallie mae and navient. Just about the only thing I can do now is speak to lawyers, file complaints and post on social media every time I have to make a payment. Obvious now that they have been living high off of free money for years. Also I have come to find out that somewhere along the line, my federal loans became federal private loans which is also something I was not aware of but probably signed onto within the myriad of documents you need to sign. I have been deceived here and pushed into paying them for life. There's no way that an original loan, the price of a car should turn into life long payment servitude. How many other loan recipients had their loans converted into private loans and then creamed with accrual interest city. Navient just told me on XX/XX/2022 that I had an accrued interest arrears of XXXX that had to be paid off first before any of my payments could go to principal. Why were they not rushing to tell me this at any point during my loan that they have been servicing for years. It's not in their best interest to tell me because how could I remain in servitude to them for the rest of my life and then they would try for my estate right? This is such a scam. At least we live in the age of social media where hundreds of thousands will be interested in seeing how this works. At least my story can help others. What kind of assistance can I get here? This contract is imperiling my ability live. I'm XXXX and have been paying a school loan for 15 years that has only ballooned. So 15 years of interest and an ever increasing balance? How is this legal?? | ||||||
| 02/06/2020 | Yes |
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| I currently have 2 consolidated student loans with Navient for attending XXXX - XXXX XXXX XXXX XXXX XXXX from XXXX. I have been making payments since I graduated. The original balance was $ XXXX. When I graduated in XXXX, I owed $ XXXX and I have been making payments ever since. My consolidated loan XXXX has a balance of {$1200.00} ; my consolidated loan XXXX has a balance of just under $ XXXX. On XX/XX/XXXX ( 1st call ) I contacted Navient via phone to request to repay half of XXXX of my existing consolidated student loans. Both loans were up-to-date on payments and I owed no late fees.I informed them that I had tried to " specify loan over-payment '' on their website, but the function did not work. Regardless of specifying the payment amount for each loan on the website, they automatically spread the payments across both loans through their " formula. '' During my phone call with Navient I requested, 3 times to apply {$600.00} to loan XXXX. The representative accepted the request and performed the action. He told me to wait 2-4 days for the payment to post. On XX/XX/XXXX I checked the Navient website and the payment was misapplied. The payment was applied to both loans instead of to loan XXXX as I requested. I contacted Navient again on XX/XX/XXXX ( 2nd call ) to inform them of the incorrect payment application. The representative reviewed the error and worked with a supervisor to reapply the payment to the correct loan XXXX. I was instructed again to wait 2-4 days for payment to post. On XX/XX/XXXX I checked the Navient website and observed the payment misapplication once again. I again contacted Navient ( 3rd phone call ) and informed the representative of the misapplication of payment. The representative stated that he would correct the error. He coordinated with a supervisor to redirect the funds, once again, to the correct loan account. At that time, I requested for the representative to confirm my loan XXXX balance. He stated that is was {$520.00}. I informed him that I would like to pay the loan off. The Navient representative told me that I could not pay it off. He stated that I needed to wait 2-4 days for the original payment to post and then call back. I then asked to speak to a supervisor and the representative stated " Why? '' I said that I was attempting to pay off a student loan and Navient is making it impossible to do so, all the while I am accruing interest on the loan. I demanded to speak to a supervisor. Ultimately, he allowed me to talk to a supervisor. The supervisor got on the call with me, accepted my payment, confirmed the remaining balance of {$520.00} and I provided my debit card information to complete payment. The supervisor stated that she would personally monitor the account to ensure no further misapplication of payment and that the loan would be paid off. I checked my Navient account today, XXXX XXXX, XXXX and the payment application is once again incorrect. Through either intentional malfeasance or incompetence, Navient continues to deny me the opportunity to pay off my student loan. All the while, I continue to accrue interest on a loan that should have been paid off several days ago. | ||||||
| 04/30/2020 | Yes |
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| Hello. My name is XXXX XXXX. Date of birth is XX/XX/XXXX. Address is XXXX XXXX XXXX XXXX XXXX NY XXXX. Social security number is XXXX. I would provide you with more information pertaining to the loans that I am speaking about, however - thats the trouble that I am facing - I can not get one word of information from Navient. I have tried numerous times for honestly YEARS to request information from Navient and XXXX XXXX XXXX ( I am not sure if they are the same company or what because no one will explain that to me when I call ). I want to resolve my student loan debt, however - over the years it has switched hands of who owns my debt so many times that it is hard for me to keep up. I have a million navient student loan accounts on my credit report - that do not match what my navient online portal says etc. I will repay what I owe with a consolidation loan IF I could get all of the original documents and vital information to do so. I want to ensure that 1. ) I am not being collected on by multiple collection agencies for the same debt. 2. ) That all of their figures are correct. My most recent call to Navient yesterday went as follows. The representative that I spoke with ( she told me that they DO NOT GENERATE REFERENCE NUMBERS FOR PHONE CALLS ) I do not know why an agency that handles such high balances and important documentation would not generate a way to refer back to phone calls - that makes me very uneasy. The representative stated that they received my loans in XX/XX/XXXX. Which contradicts all of these balances in their entirety because I didnt even take the loans OUT originally through the original lender until post XX/XX/XXXX. I need from Navient all of my records for every loan they have on file currently and everything they " charged off '' on my credit report. I want to know the original lender, the original school of disbursement and the disbursement dates. The date that THEY acquired my debt and what the balances were when they acquired them. I need to know how their loan numbers correspond with the original loan numbers of Sallie Mae. I also am requesting all of my payment history with them - because I did pay on these for a few years before I was in an unfavorable financial position to do so. They could not answer not one of my questions and keep telling me they do not have access to any of this information and I need to email a department that I have been emailing for months with no reply. They refused to take my information and transfer it to that dept internally to call me back or reply to me via email. How is it that they can ruin my credit report and stalk my grandmother whom I do not believe is even my cosigner on these loans without being able to provide me with ANY INFORMATION pertaining to the XXXX dollars they are ruining my financial credit score and future over? This is terrifying. I do not know what else to do or try to ensure that I will not be taken advantage of and double paying - or paying balances that I have already paid in the past. Please help me. Point me in any direction to get to the bottom of all of this so that I can finally take care of it. Thank you.Cell is XXXX. Email is XXXX XXXX | ||||||
| 01/03/2021 | Yes |
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| I have been a customer with Navient ( previously Sallie Mae ) throughout my XXXX and XXXX programs. In XXXX, I was able to pay off in full several of my private student loans and moved all of my federal student loans to another loan servicer. This left me with three private loans at Navient. My monthly payments to Navient are close to $ XXXX {$1500.00} a month, sometimes I can only come up with the payments for two of the loans and the third, highest of them, is a struggle. When I know that I won't be able to pay that month, I will call Navient customer service to talk to them and they have historically ALWAYS said the same thing, that I must let the account go into default before they can put me on any kind of plan ( usually retroactive forbearance ). In XX/XX/XXXX, I was struggling to come up with the highest loan payment due to supporting my mother after a XXXX XXXX, as well as a custody battle for my XXXX. I spoke to a customer service representative at Navient who advised to let my loan default and then call back. I called back after 40 days late to see if they could get me caught up and they said that if I still couldn't pay anything to get on the plan, I should call before the end of the month so that there wouldn't be anything reporting to the credit bureau. On XX/XX/XXXX, I called and paid {$680.00} ( {$560.00} went to interest and {$110.00} went to 'fees ' ) and set up an auto-debit. The customer service representative I spoke with informed me that the late was not reported to the credit bureau. Since then, I have been paying on time on all private loans with Navient with the exception of two approved 30-day " DISASTER-RELATED FORBEARANCE '' requests in XXXX and XXXX because my husband has been out of work due to the pandemic since XXXX. I support a family of XXXX ( myself, husband, XXXX kids and my XXXX mother ) and do my best to prioritize these payments and communicate with Navient as well as follow the advice they provide. I started to monitor my credit score and saw that it was severely effected by a XX/XX/XXXX late reporting at all credit bureaus, which I was told on multiple occasions hadn't happened and wouldn't happen. When I called Navient and asked that this be corrected, the customer service representative advised me that they can't do that and that I was given misinformation by both previous cust service reps. Over the decade of working with Sallie Mae/Navient - I have gotten " misinformation '' many times and it has been devastating to my finances and ultimately the quality of life of myself and my family. I owe over $ XXXX to Navient and my original loans were under $ XXXX, so they are making a lot of money on my payments, I feel that the misinformation provided repeatedly ( I was told the same thing in XX/XX/XXXX - the loan " had to '' default before they would allow me a forbearance to catch up, reporting on my credit as 90 days late ) is intentional and vague so that they can continue to profit, compounding interest into the principle. I've attached statements and letters to verify dates and acc, but as all the ( mis ) direction and guidance was via phone, only Navient would have those recordings. | ||||||
| 10/28/2017 | Yes |
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| In XXXX XXXX regarding enrollment in the rehabilitation program. XXXX and XXXX, XXXX XXXX informed me of the required process to submit a settlement offer when the offer is less than XXXX XXXX of the balance. I submitted a settlement offer letter via email on XXXX XXXX, XXXX. In late XXXX XXXX around XXXX I called XXXX and spoke with XXXX XXXX of the settlement offer decision. XXXX transferred my call to XXXX. XXXX asked when I sent the letter. She found the letter put me on hold to inquire with another department regarding the decision. When XXXX returned she informed me the offer was denied. I asked why. Again, I was placed on hold. She returned stating the standard criteria that should be included in a settlement offer letter. I responded, I did. XXXX put me on hold again. When she returned to the call she confirmed the necessary information was in the letter, but XXXX couldnt give me a reason why my offer was denied nor confirm a denial letter was sent. I asked to speak with a supervisor. I was transferred to XXXX, a co-worker of XXXX. XXXX expressed she was not a supervisor. XXXX transferred my call to XXXX, a manger. Our conversation ended with XXXX stating she would send the email to the proper department for review and XXXX would contact me of the decision and a letter of that decision would be mailed. On XXXX XXXX at XXXX, I contacted XXXX to inquire of the status of my offer because I had not been contacted by anyone. I was informed by XXXX of a letter mailed to me with consent from XXXX XXXX XXXX XXXX XXXX, for a one-time authorization to accept a settlement amount of XXXX. When I finally received the letter in hand, which was postmarked XXXX XXXX, XXXX it stated I would need to respond with the payment or lose the offer by XXXX XXXX, XXXX. The consent to settle this debt for XXXX, with a deadline date of less than XXXX days, I believe XXXX knew it to be an impossible offer for me to meet at this time. COMPLAINT : XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX refused to respond to an offer to settle a XXXX Student Loan. It wasnt until I contacted XXXX, XXXX months later, that I was informed by telephone my offer was declined, yet there is no documentation confirming said decline. XXXX did offer in writing later that same month to settle that debt for an amount, which is almost XXXX XXXX more than the original loan amount that I had been paying over the years, which due to misfortunes is now in default. XXXX counter offer is the standard XXXX XXXX of the balance, which is unreasonable and communicated to me prior to making an offer. XXXX is aware of my hardship and inability to pay such a high amount to settle this debt. To add insult to injury XXXX stipulated in its postmarked letter dated XXXX XXXX, XXXX, I respond with payment no later than XXXX XXXX, XXXX, less than XXXX days, or lose the offer. XXXX did not give due consideration to my financial status, not time to respond with payment. The counter offer is a deceptive act ; XXXX never truly considered my offer as serious nor expected me to be able to meet the settlement offer considering my current nomadic and financial status. | ||||||
| 04/08/2016 | Yes |
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| Massive student loan debt has paralyzed my - and many of my peers ' - ability to move ahead in our lives ( e.g., getting married, buying a home, leasing a car ). It is my hope that CFPB takes heed to public comment regarding student loans and dramatically alter the predatory lending practices of loan providers. Speaking for many borrowers, I did not foolishly borrow money to pay for frivolous items while in school. I borrowed what I absolutely needed in order to obtain an education. Specifically, I am writing to comment regarding : 1. Procedures servicers utilize to ensure that borrowers can avail themselves of alternative repayment options ; 2. Disclosure, accessibility, and availability of affordable modification options ; and 3. Procedures servicers utilize to ensure that borrowers can avail themselves of alternative repayment options : Sallie Mae, now XXXX, representatives purposely misled me on multiple occasions regarding my repayment options while in between jobs. Multiple representatives informed me that my only option was Forbearance, when in fact, continuing my IBR plan was also an option. Remaining on IBR would have been in my best interests, but not in Sallie Mae 's. 4. Disclosure, accessibility, and availability of affordable modification options ; That is only one of many instances that Sallie Mae misled me on my repayment options. The second instance involved the Public Service Loan Forgiveness program. I have been working in the public sector since XX/XX/XXXX, and learned of PSLF XX/XX/XXXX. When contacting Sallie Mae about enrolling in PSLF, I was told that the interest rate would increase significantly ( false ) and I would need to make 120 consecutive qualifying payments while employed at a qualifying organization for 10 consecutive years ( false ). Hearing these XXXX reasons deterred me from enrolling in the program until I learned in XX/XX/XXXX that you did not have to make consecutive payments. Upon finally enrolling in PSLF ( which required a change in service provider that took nearly 4-5 months ), I learned that none of my payments made qualified for PSLF. This is deeply frustrating for me and many others who have dedicated ourselves to public service. I do not believe Congressional intent upon creating the PSLF program was to penalize individuals in public service for being unable to navigate bureaucratic mazes. As a result of this misinformation, I am now more than 9 years away from having my student loan debt forgiven ; had I been given the correct information by Sallie Mae representatives XX/XX/XXXX, I would have been only 2 years away. Ideally, I would like my previous payments prior to transferring my loans to XXXX to be counted as qualifying payments for PSLF. Many borrowers like myself do not understand the difference between the different types of loans and the differences between FFELP loan providers. We should stop being penalized for adhering to the false guidance of these companies. It is not our fault. I do not believe I am asking for anything out of the ordinary. In fact, I believe I am asking for student loan service providers to follow Congressional intent with the PSLF program. | ||||||
| 07/08/2021 | Yes |
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| I have a Federal parent loan that went into consolidation/repayment in XXXX for {$110000.00}. I have never missed a payment and I've been on automatic payments for a long time. In late XX/XX/XXXX I called to change my automatic payment amount. I spoke to a young man and he took the new information and said it was all set up. I received a call in I believe in late XXXX to say I had missed payment and asked if I could make it then. I explained why I was confused and she explained that autopay had ended but no new account had been set up. I made a payment for the missed payment that day with her over the phone and then she explained I had to complete the forbearance process in order to set autopay up again ( I receive a 0.25 % interest rate discount for autopay, so I didn't want to lose this. ) I completed this process with her and she set up my autopay from that day forward. I received a notification that my monthly payment went up from {$500.00} to {$540.00}. The loan has XXXX more months before payoff. That approximately {$45.00} in increase monthly payment means I would pay an additional {$7.00} over the remaining loan payoff period. I called to find out what had happened : how can a change in direct pay account cause this? First, it is impossible to find a customer service number. So I wrote an email. I received a response that basically said " you went into forbearance and this is the recalculation due to capitalized interest. '' The email provided me a phone number, so I called today. The first person confused me and I kept asking drill-down questions. How can this happen : I never missed a payment, I simply wanted to change accounts, and now I'm scheduled to pay + $ XXXX. She explained that a change of direct pay accounts is considered a forbearance because it takes them time to set it up and therefore a payment is missed. I explained that I didn't miss a payment, that I made the payment the day I found out the account had not been set up on my initial call. She said that there was about {$210.00} in interest for the forbearance period that was capitalized and this changed my payment. I continued to ask about why this was necessary and we were disconnected (? ). I called back and eventually, receiving no better answers from the second representative, asked to speak with a supervisor. Ultimately, the supervisor removed the forbearance action and the capitalized interest. She said this took off a few dollars from my new payment ; it is now {$540.00} per month ( vs. {$540.00} ). She explained that the other increase in the monthly payment is due to the account being audited and this higher amount was put in place so that I can pay the loan off in the time period set forth in the beginning ( 30 years ). What? I tried to see my payment history and while it says the loan was disbursed on XX/XX/XXXX, the website only shows payments back to XX/XX/XXXX. During this period I paid about {$26000.00} in interest. With the time left to repay, It looks like I will pay an additional {$26000.00} in interest. I would like this loan audited by someone to see if all this is correct. I can't do it myself, but is all seems very questionable. | ||||||
| 05/05/2015 | Yes |
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| In XX/XX/XXXX, I applied for and was granted XXXX private student loans totaling {$49000.00} from Sallie Mae to cover expenses associated with my undergraduate education at XXXX University. I deferred payment on these loans until my graduation in XXXX and began making payments on the loans in XX/XX/XXXX XX/XX/XXXX. On XXXX separate occasions during repayment of the loan, I requested and was granted forbearance periods and resumed making payments at the end of these periods. In XX/XX/XXXX, as I was preparing to make a career change, I requested an additional forbearance period from Sallie Mae. I was directed to a customer service center that was clearly located in a country other than the United States to complete the forbearance request ; it was extraordinarily difficult to understand the Sallie Mae customer service representative, but I believed I was able to convey my request and was told my forbearance request had been approved for XXXX months. I was advised that this was the last forbearance period available on my account. At some point thereafter, Sallie Mae apparently sold their student loan servicing to a company called Navient. By this time I was under the impression I was in a forbearance period, had moved, and was in the process of starting a new job. In XX/XX/XXXX, I began receiving voice messages from Navient, but they were not specific as to why they were calling and rarely left voice messages at all ; they did, however, call incessantly. They even contacted family members but did not state why they were calling. In XX/XX/XXXX XX/XX/XXXX, I attempted to re-engage Sallie Mae by logging on to their website, the same website I had made my student loan payments through since XX/XX/XXXX, only to learn they had become Navient. I updated both my physical address information and my cellular phone information. I was surprised to see that Navient had not honored the forbearance granted by XXXX XXXX, so I made no payments but made efforts to contact Navient. I called Navient no fewer than XXXX times over the XX/XX/XXXX, only to be transferred between departments a number of times or disconnected. Approximately XXXX weeks later, I received a letter at my residence ( the updated residence I had given to Sallie Mae ) from a company called XXXX XXXX indicating that they were a debt collection agency. After another XXXX calls to Navient, a representative told me Navient had defaulted on my student loans. I conducted additional research and found my experience with XXXX Mae/Navient is not unique. I file this complaint against XXXX XXXX because XXXX XXXX used deceptive and unfair lending practices throughout the life of the loan, made insufficient effort to notify me that they were selling the servicing of my loan, and charged exorbitant, unreasonable and unfair fees. In fact, despite having made payments of more than {$30000.00} on the initial loan balance of {$49000.00}, Navient now incredibly claims the loan balance is {$64.00}, XXXX. I file this complaint against Navient because they failed to appropriately notify me of their assumption of the loans or their intent to default at the residence of record I provided to them. | ||||||
| 09/30/2015 | Yes |
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| I have being dealing with with my student loan deferment since the end of XXXX 2015.I am a XXXX that every year by the month of XXXX I must submit by deferment papers being that Im in a XXXX. This year Navient as denied my deferment due to improper/wrong form filling. Since the XXXX denial due to wrong paper submission I have been calling on a weekly basis to get this matter resolved, being that i work over XXXX hrs a week and I do not want this matter affecting my credit. The first submission was done on XXXX/XXXX/15 and was denied due to improper forms a month later. I then upload the new forms on XXXX/XXXX/15 at XXXX. After speaking with multiple costumer agents and Supervisors, they inform me those forms were also incorrect and denied. The supervisor informed me that all was needed to resolve the matter was to resubmitted the proper forms, which were email to me by employee XXXX XXXX on XXXX/XXXX/15.Once receiving the documents and having both my director from the program fill it out and sign I re-fax the document back to the listed number of XXXX on XXXX/XXXX/15, after a week of no answer or email to let me know the status of my resubmission, I took it upon myself to call on XXXX/XXXX/15 ( as well as re-email supervisor XXXX by email to check the status of my forms and got an auto reply stating he was on vacation from the XX/XX/XXXX-XX/XX/2015 that if we need any further assistance to contact XXXX XXXX. So we called on XXXX/XXXX/15 to speak with Supervisor XXXX XXXX Employee # XXXX and I was inform that no document were received even though I have proof of fax sent. I also sent a scan copied of the new documents to XXXX XXXX who stated he was also supervisor at Navient ( XXXXXXXXXXXX ) on XXXX/XXXX/15. So the same documents were uploaded to the navient system via upload.navient.com on XXXX/XXXX/15 confirmation email was sent on XXXX/XXXX/15 XXXX XXXX. After multiple submission/scans/email/fax of my deferment request documents I receive email today XXXX/XXXX/15 at XXXX of a XXXX denial stating that wrong/incorrect forms where submitted. With the repeated denial I received an attachment with what they state is the correct form with was the original form that I had my residency director signed on XX/XX/2015 and fax to them 0n XX/XX/2015. At this time my frustration as reach a boiling point because navient bill collectors called me to inform that I was 2 payment behind that with a third nonpayment they would report me to the credit bureau. I have once again call their costumer hotline and spoke with a XXXX who stated she was another supervisor Employee # XXXX, that their was nothing they can do at this time ( XXXX ) to call back during business hours. They have block my XXXX account when I was posting Very negative review regarding their costumer service and harassing/threatening with credit reporting if payment not receive. I feel that their mishandling and lack of competency to follow through with their job has put my future at jeopardy. I currently do not make nearly enough to make my XXXX XXXX loan payments. And now I am 3 months behind on this suppose payment that I have being requesting deferment on since XXXX 2015. | ||||||
| 05/14/2017 | Yes |
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| Sometime in XX/XX/XXXX , I received a collection call from XXXX XXXX , now Navient, regarding a private student loan that I allegedly co-signed for my son. The representative stated that the monthly payment was late and as the co-borrower I was responsible for the loan. I was unaware of any private loan and knew that I did not co-sign a private loan for my son. I explained to the representative that I disputed the debt and requested proof that I co-signed for the loan. The representative said they would send verification of my obligation on the loan but if I did not make a payment, I would face adverse affects to my credit report. In addition, I was told that If I believed the loan was fraudulently taken out in my name then I would need to file criminal charges against the individual who could have committed the crime - this would have been my son. I could not believe the response I received, I would NOT prosecute my own son because of XXXX XXXX Navient 's unsound practices that do not prevent this type of situation from occurring. In fear of negative credit reporting and because I was unwilling to file criminal charges against my son, I reluctantly began making payments on this private student loan. Between XX/XX/XXXX and XX/XX/XXXX I attempted to make the primary borrower ( my son ) take over the payments on this loan. Despite my efforts, I was the only one making regular payments on the loan. During this time frame I spoke to XXXX XXXX /Navient on at least 6 separate occasions requesting proof that I co-signed for this loan. This proof was never received. In every call I consistently disputed the debt and was threatened with irreparable credit damage if I did not make the loan payments. In XX/XX/XXXX , I contacted XXXX XXXX Naivent again requesting evidence that I was had co-signed on the private loan for my son. After two attempts in XX/XX/XXXX and multiple attempts since XX/XX/XXXX , I finally received the requested documentation. What I received was a copy of an electronically signed loan application and promissory note. Today, my son is now deceased and I still maintain that I did not co-sign this loan. XXXX XXXX Navient 's actions of not requiring a valid signature of the borrower and co-borrower is completely unfair. My son was aware of my SSN and other personal identifiable information required to apply for this loan. This practice has caused me substantial injury. I was deceived into thinking that I was required to make the past 6 years of loan payments despite the fact that this lender has no viable evidence that I even agreed to this loan. Moreover, I consistently requested documentation of my obligation on this loan and was only provided documentation after 6 years of harassment from this company. After reviewing the provided documentation again, it appears that this deceptive company believes that they will receive their money even though my son is deceased. I think it is also worth noting that I never received one shred of documentation from XXXX XXXX /Navient until after I started receiving collection calls and requested the documentation myself. | ||||||
| 12/30/2017 | Yes |
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| I originally had my student loans under XXXX XXXX and they were sold to Navient without my consent. I had no choice but to work with Navient and forced to deal with this fraudulent company. When my loans were first transferred, a representative from Navient contacted me about setting up a repayment plan. At the time, I was still in school and did not have to repay any of my loans, as they were not up for repayment yet. They exclaimed that repayment on my loans had to begin immediately, since Navient was no longer part of XXXX XXXX and their regulations were different. Since I did n't truly understand what was happening, they forced me into the XXXX Based XXXX XXXX, which had the lowest monthly payment. I thought that this would be the best option, since I was only working part-time and did not have much disposable income to be paying off my loans. I am now four years into the repayment of my loans and they have done nothing but increase. Navient placed me on a payment plan that does not cover my monthly interest and I am accruing DAILY interest on all of my loans ( I have eight loans ). At the time of setting up the payment plan, I did not understand this, but I recently ran some calculations and realized what was actually happening. They are taking the extra interest each month and applying that to my overall principle, which has resulting in an extra {$8000.00} over the past four years. This is TOTALLY UNACCEPTABLE!!! This is complete extortion, because, had I not caught this, my loans would have continued to increase exponentially and I would be powerless to stop it. Secondly, when my loans were first taken out, XXXX XXXX had me under a 3.85 % interest rate, which is reasonable. When my loans were transferred to Navient, all of my loans were immediately increased to 6.55 % interest!!! This is nuts!!! When I saw this increase, I immediately called Navient and they spatted out some XXXX about how the interest has always been federally mandated at 6.55 % and I can not negotiate for a lower interest rate. I know that is a complete lie, because I can always refinance my loans for a lower rate and they are only trying to pull the wool over my eyes, because they have gotten away with it. Finally, once I realized that my interest has been compounding over the past four years and I have not been making large enough payments to cover the interest, I decided to make additional payments toward the principle. I contacted Navient about doing so and they blatantly told me that I am not allowed to make additional monthly payments toward the principle, as any additional payments would go toward accruing interest. WHAT!!!! This does not make any sense. How am I supposed to pay my loans off, if I can not make additional payments toward the principle when I have the means to do so .... This is complete bogus. Enough is enough with Navient and I am in the process of refinancing my loans because I finished with this fraud and deceit. I urge anyone else that is using Navient to get as far away from this company as possible, because they are going to take all of your money and you will never be able to out from under them. RUN!!!!! | ||||||
| 09/01/2016 | Yes |
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| To whom it Concerns, I am XXXX years old, I am employed at XXXX XXXX XXXX in XXXX XXXX, Ga. My job title is XXXX. I am a single mother of XXXX year old son, who goes to daycare and has been going to daycare since XXXX months old. The reason of this letter is to stop the harassment and threatening calls from XXXX/Navient and come to a settlement or arrangement to pay them off without the calls and threats of garnishing my checks. Also, for a reasonable cost that I can afford based off of my financial situation. I have spoken with Navient and even went through my finances and bills with them to determine if I qualified for a program that allowed me to make a payment of {$210.00} a month, which was still too much for me but I agreed. I was able to get in the program, I started making payments XXXX XXXX, 2016, after my XXXX payment was processed and cleared, by the XXXX Payment they tried to pull a payment out of my checking account on a date I did n't agree on. They also did not send me a copy of the agreement to begin with, so I would not have a copy. Navient tried pulling funds out of my account twice and each time they attempted my bank " XXXX '' charge me a NSF fee on XXXX XXXX, 2016 of XXXX and XXXX XXXX, 2016 of XXXX because I did n't have the money. What happened was the representative changed the date I make my payment but did not delete the previous date an this happened twice where the representative made that mistake of not stopping a payment when I changed the date for it to come out. So that made two attempts of taking funds out of my account. After speaking with several customer services representatives I finally got to speak with a Supervisor who told me that the employees are human and make mistakes and proceeded to defend them and argue me down about being behind on my payments anyways. I have been struggle to just take care of my bills and be able to provide for my son. I can barely pay the bills I have and ca n't afford to live on my own, so I am living with relatives until I can get financially stable. I have explained this to Navient representatives each and every time I speak with them. I do n't make enough to pay the amount they are asking for and I have explained that to them over and over again as well. I need help to put Navient behind me, the XXXX and making it difficult to raise my child like I should. I have a Co-signer on my XXXX/Navient loan, which is my mother who receives harassing calls day and night. It has seriously put a strain on her, so much that she has been making payment on a credit card that she can not afford and causing her to add another bill to pay. She is struggling to pay Navient because of her health issues and medicine she has to pay for. The XXXX and medical bills to pile up as well. My mother has medical needs and the pressure that Student loan companies like Navient is forcing is causing some of these issues for us both. To have someone threaten to garnish your pay checks is XXXX. Outside of XXXX XXXX Navient we still have other bills and health issues we have to pay. We ca n't pay anybody if we are not living. We need help to resolve this life alternating issue. | ||||||
| 08/23/2019 | Yes |
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| Between XX/XX/XXXX-XX/XX/XXXX, XXXX College pulled out loans in my name after giving me false information and telling me that they would apply for free " financial aid. '' Telling me that that they would assist me in applying for free aid and grants that I did not have to pay back. I am a first generation college student of immigrant parents, and XXXX College took advantage of me to pull out loans fraudulently in my name with Sallie Mae/Navient. In XX/XX/XXXX, XXXX College Financial Aid Staff did not tell me or properly informed me that the " free financial aid '' that they were asking me to sign for, was in actuality private and federal loans. Loans that were pulled out with Sallie Mae ( AKA Navient ) had very high interest rates. Staff at XXXX assured me that I did not need to pay back for anything at all ever, since they had found free scholarships and aid from the government and other available programs to pay for school. XXXX College in XX/XX/XXXX originally informed me that I did not qualify for the CAL Grant, a grand available in the State of California. That was a lie, they actually applied for it and took the money without telling me. I did not find out about this until XX/XX/XXXXwhen I attempted to go back to school at an accredited XXXX College that informed me that XXXX College and other school like them used predatory tactics. And in essence scammed me and other people from getting a real education in order to apply for " financial aid '' as loans so that they could keep the money. XXXX College Staff and Teachers also lied to me about their accreditation and that their credits were fully transferable, when they are not and no accredited University will accept or recognize any credits from them. I have asked Sallie Mae/Navient for over 4.5 years for original copies of the debt or paperwork with any information or anything with my alleged signature from Sallie Mae/Navient representatives. And I have asked Sallie Mae/Navient to provide proof that XXXX College did not do anything illegal. And to prove that they did not apply or sign for loans in my name. Navient Staff have been threatening me with legal action or with ruining my credit if I do not pay right away. Their Staff has also offered me " deals '' or " offers '' to basically settle the loan or to pay a certain amount to get the fraudulent loans to good standing. Navient Staff says that they will send me copies of the loans with my alleged signature and an alleged Master Promissary Note. It will be 5 years in XX/XX/XXXX, and I have still yet to receive any kind of documentation. Other than past due bills ( with no copies of the original debt ) or threats to pursue litigation or take me to court if I do not comply. I have never received any proper documentation of the debt from Navient. It is my understanding that this is illegal or unethical under the FTC regulations regarding collecting a private debt. I have asked for years for copies of the debt or to see any original paperwork, and I have refused to pay anything until I see proper paperwork that proves that I owe anything, and that nothing illegal happened during my time at XXXX. | ||||||
| 07/07/2018 | Yes |
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| Over the last few years, especially since Navient took over, I have had repeated issues with my private, and recently federal, loans from XXXX school ( XXXX ). My private loans have been in repayment for years, and at least once a year, Navient redirects the funds to other loans. Even when my federal loan was in economic hardship forbearance ( meaning not in repayment ), they directed private loan monies to the federal loan. Then they harassingly call me ( and my elderly father as co-signer ) to say I'm delinquent when it is their mistake is misappropriating my payment. It is SO FRUSTRATING!! It just happened again. Now that my federal loan is in repayment they misappropriated those monies as well. I am never told the same thing twice by any representatives. I brought my federal loan current in XX/XX/XXXX and then started its repayment, only to be told yesterday ( XX/XX/XXXX ) that the representative gave my the wrong amount to bring it current and that I have been charged late fees since XX/XX/XXXX on an amount I never knew was outstanding. It just can't be right. The private and federal departments are separate and seem unable to speak to one another when these issues arise making it almost impossible to resolve these errors. I was on the phone yesterday for 2 hours and 11 minutes - only to learn that, again, they had moved the money to the wrong account. I can not help but wonder if there is something illegal going on ...? They also keep suggesting that I directly deposit to them to make things easier ; or make my payments through their website. Like I would ever let them be in charge of my money. They do not know what they are doing. It really is criminal. In fact, yesterday, when I forced them to go over the details of my accounts and payment history, they informed me that one on my private loans was paid. They never let me know and payments kept electronically going to that account. They said they were just applying them to another loan group. How is this possible?? I keep threatening to get a lawyer every time I speak to them. It really is unconscionable the way they handle this business. I was also told yesterday ( XX/XX/XXXX) that when I over pay my loan amounts it makes it " harder for them to know where the money should go ''. Seriously? Isn't that what account numbers are for? Everyone knows that one of the first things you do as a student borrower is to over pay as able to decrease the amount of time you are in repayment. To me, it seems that Navient 's representatives are suggesting that I keep my payments lower to increase the amount of interest I accrue and therefore have to pay them. Bad advice - and maybe illegal to suggest ...? I am a medical professional and have run a successful practice for the last ten years. I can not believe how demeaning it is to deal with Navient. It just has to stop. For me, yesterday was the last straw. I have these loans because I have a profession that I love and spend my life helping others. I can not believe that I am forced to constantly deal with this mistreatment and mishandling of my money. If there is any way someone can assist me, I would be very grateful. | ||||||
| 11/23/2019 | Yes |
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| THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. DELETE AND REMOVE. DO NOT REPORT, RE-REPORT, TRANSFER OR SELL. SEND PROOF OF A ORIGINAL CONTRACT BETWEEN ME AND SAID CREDITOR/COLLECTIONS SO THAT I MY INSPECT MY " WET INK ; SIGNATURE. IF NO CONTRACT. NO NEED TO INVESTIGATE, RE-INVESTIGATE PLEASE DELETE, REMOVE AND UPDATE TO ALL 3 CREDIT BEAUS WITH PROOF OF SERVICE. PLEASE SEND SEND OR DELETE : ( 1 ) The name and address of the organization alleging the debt ; ( 2 ) The name of the actual creditor even if that is myself ; ( 3 ) The origin of the funds used to create this alleged claim of a debt and my agreement to pay that debt with a statement of full disclosure. ( 4 ) ALL associated tax forms as required by law, including all 1099s, W9s, etc. from the inception of this alleged debt. ( 5 ) Proof of claim in corresponding Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 6 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. ( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. ( 8 ) Be advised that verification is defined ( XXXX XXXX XXXX, XXXX XXXX ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in advertisement or statements of part ( 9 ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code. ( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. ( 11 ) The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account. | ||||||
| 05/17/2018 | Yes |
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| Here is my story. When I enrolled into XXXX XXXX College. ( 4 year program ) I was told what my final cost for the 4 years would be and what my monthly might look like. And was told that I would be able to find a job right after school so the payments wouldn't be something uncomfortable. Lies, After graduating from XXXX XXXX College I went a year unemployed looking for a job. I thought it was only me but a lot of my classmates were in the same situation taken on odd jobs that has nothing to do with our major or in or career of study. By the time that I finally landed a okay job. My debit has increase and payment were unfair. I am about 5 years out of school and my payments are about 1k a month. I feel as if going to college was the worse thing I have ever did in my life. Everything that I earn goes to paying my loans off. I am anxious to settle down soon, buy a house and start a family but this is not the america that my parents grow up in. Times are harder and unfair for kids trying to challenge themselves and going back to college. Going to college a sort of curse now because of the debt that you are left with after graduation. I just don't think it is fair to charge so much money for student loans to people that can not offered to pay all of it back.I am now XXXX years old. I can not buy a house due to my debt to income ratio. If the school and lenders told me the truth on how much I would owe today. I would have looked for an alternative. Because the job and the amount that I am making now could have been made becoming a XXXX XXXX right out of XXXX school. I thought getting my XXXX degree would be some help in my income. But nothing has change. I am still being offered the same type of jobs and making the same salary and now getting more pulled out of my personal account for my student loans. At some point I finally got one of my parents to co-signer to help me consolidate my student loans which now just hurt their credit and debit to income ratio as well. XXXX XXXX interest rate is not far at all and that is the only bank that accepted my application to consolidate. At this time I believe that college wasn't worth it because of the amount I owe back and can't pay. I have to put my life on hold at the age of XXXX because of school. I can't offered to start a family or provide shelter because of the amount of money that I owe the bank and government. I believe that they should give students a break. Navient is another loan that I have been having issues with for sometime. I join the income repayment plan a year or two back. But there was 2 cases when they reached into my account and emptied out my savings and left me with nothing without my knowledge or notification. I was put in the negatives in my personal account with no explanation to what happened. The same account that i use to pay for my car loan, groceries for my family and etc. When I finally got down to the bottom of the situation and reached out to Navient they said they would return the money but it would hurt me, and at the same time my personal bank account has already charged me with a negative fee. So I am in the hole either way that I go. | ||||||
| 03/25/2018 | Yes |
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| In 2008 I went back to school and needed a student loan. My loan is a private student loan which at the time was with XXXX XXXX whom later transferred or sold it to Navient to be serviced. I was told multiple times by XXXX XXXX that all I had to do was make 12 conescutive on time principal only payments and I would be allowed to have my sister released from being the cosigner on the loan, all I had to do was call and request her to be released. Key word here being request, not apply. When I was finally eligible to do that I contacted XXXX XXXX and was told it isn't a request it is an application and I had to be approved for the loan without my cosigner based on my credit. Well, I was furious, that wasn't what we were told. I then asked if they could provide me with their credit requirements so I didn't waste my time and they would not. I can get approved for a {$45000.00} auto loan at 3.9 % APR without a cosigner, but I can't continue to carry that small student loan myself ( under 10k at the time ). The first time I applied they lost my information multiple times and took over 6 weeks and multiple faxes for them to process it. I was denied. Since my loan is with Navient currently, I am dealing with the same frustration. Not to mention, there is no way to do this in an effect manner. Any communications I need to send to them I have to do via the mail and include all my personal information. No. That is not acceptable. I can not run the risk of my personal information being stolen because Navient only wants to delay everything in regards to your loan. There are no clear credit requirements on the cosigner release form. There are no timelines, like how long it will take for them to get back to you, nothing. I can't even see my original promissory note online, which they apparently reference and follow those guidelines for any type of overpayment allocation. I can't seem to speak to anyone who isn't reading off a script and if my question isn't provided on their script, they don't do anything to help me find the information, they just keep repeating the same XXXX line. I can't find a way to get these guys to release my cosigner as promised, which was the only reason we could do this student loan. I have not missed any payments, paid onetime for over 9 years and I can't get anywhere with them. They are deceiving people to get them into loans, deceiving current loan holders, and just doing whatever they want. If I can't see that information online regarding my loan, there is a problem. I live in XXXX and after Harvy, my original promissory note is not with me anymore. I need information made available to me immediately. I can't believe there is not an area that shows you exactly what your terms are online. everything about this company is difficult. I can't even figure out how and why my payments were applied as they were. And I can only write them a handwritten letter and MAIL it to them, so it takes XXXX near over 3 months for anything to be done, or I can call them. I can't submit documents online and they won't send me documents online. I am so frustrated. I need information and need it done on a timely manner. | ||||||
| 11/22/2017 | Yes |
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| I graduated from Iowa XXXX with a XXXX in XXXX XXXX in XX/XX/XXXX with a balance of {$60000.00} after the accrued interest during college had been capitalized. I set up my payment plan based on income online with XXXX XXXX ( Now Navient ). I made regular payments of {$140.00} on time for quite some time and noticed that the payment increased to {$330.00} in XX/XX/XXXX. At the time I attributed this increase to getting married and filing joint income. I continued to make on time payments and called several times during my divorce in XX/XX/XXXX which was finalized in XX/XX/XXXX. At the time I was very short for cash paying for a lawyer and getting a new place but I continued to make on time payments while making calls frequently trying to reduce payments. I believe during that time period that I was possibly changed to a new payment plan though the phone calls were very confusing. I have since continued to pay on time and again the amount never changed. Recently I did some deeper investigation and I believe I am a victim to the misleading payment plans similar to many others currently filing the class action law suite against Navient for such misleading behavior. From XX/XX/XXXX to XX/XX/XXXX and then from XX/XX/XXXX to current there was XXXX principal paid. As I stated, I graduated with a balance of {$60000.00} and I have since made on time payments totaling {$15000.00} and yet by some devious miracle my principal is now {$64000.00}! So I have paid nearly SIXTEEN THOUSAND DOLLARS only to owe over FOUR THOUSAND MORE THAN I DID IN XX/XX/XXXX! It also appears to me that the interest has been capitalized numerous times for unknown reasons to which I can not get a clear answer. Questions I need answered : - Under what circumstances does the interest capitalize? - Have they been switching me to new payment plans every time I call? - Has my 20 year clock for forgiveness reset possibly multiple times or will they honor the XX/XX/XXXX start date? - How can I possibly owe more than the original balance if their payment plans were honest and their support staff were truthful in their directions? - I am still trying to change my payment plan but I am afraid I will mess things up even more. I would like to switch to the REPAYE plan but I do n't even know what plan I am currently enrolled in or if that will reset the 20 year clock or lead to other problems. It says you are required to update this annually but does not provide any indication or the ability to forecast future payment schedule based on income or family size changes in the future. Meanwhile nobody you speak with at their ridiculous company provides any clear and honest direction for an honest hard working father like myself trying to make ends meet. -I provide more than 50 % physical and financial support for my XXXX children as well as my domestic partner and her XXXX children. I should be able to account for this in my student loan payment plan but I am afraid any changes will create more issues. Companies like this are destroying the futures of people in my generation and this bubble has got to pop! Thank you - your help is much appreciated. | ||||||
| 12/30/2020 | Yes |
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| On XX/XX/XXXX ( thus, in the mids of the pandemic ), I got notified through XXXX updates that my credit score dropped by 100 points in one day. I went to see what happened and Navient, the student loan lender, submitted several delinquent accounts. I tried to dispute these through all credit agencies and I called Navient to understand what happened. After I talked to one of the Navient customer service representatives ( XX/XX/XXXX or so ), two days later they submitted additional " nonpayment '' information that lowered my score even further. I called XXXX and according to the information I submitted to them, they deleted these from my credit report. However, XXXX and XXXX have only updated the information dismissing my dispute. XXXX representatives were utterly rude and patronizing, and when I wanted to talk to their supervisor, one of the rep transferred me to another customer service rep instead. When I finally got to talk to the supervisor, he informed me that all my documentation that I sent by certified mail to their PO Box ( after I was instructed to so ), most likely would not be taken into consideration for the dispute. XXXX, on the other hand, I submitted all the documentation online via their portal but got unsatisfactory results and my credit score remained affected. Now, before all of this outcome with my credit score and XXXX, XXXX, and Navient of course, I need to remark the following. Since I received my XXXX, I was on the search for jobs, but I was not getting any. I kept filling income-driven replacement plans with both XXXX XXXX ( with which I have been in good standing ) and Navient. In XXXX, my payment for both lenders was {$0.00}. This continued throughout XXXX as well. Only once I got a bill from Navient in the amount of {$370.00}, which I could not understand because I was on the income-based repayment plan and no payments were scheduled. I addition, I was on social welfare at the time, as I proved to them through my tax returns and other supporting materials that I have been submitting to this lender ever since I defended my dissertation. Now, I have never received any of these Navient bills that I see listed on my credit report - never! There are amounts from {$1.00} to {$5.00} - which I understand there are 7 accounts opened, and even I thought these were all consolidated, apparently, my documentation ( again and all over again ) did not reach their service. In addition to not receiving or not knowing anything about these " nonpayments '' until they were posted on my credit report, Navient decided to submit these in the midst of the pandemic and the fed. student loan payment suspension ( see attached ) and after I told them that I lost a job in XXXX due to XXXX. I informed all three credit agencies about these issues, but only one was decent enough to remove these from my credit report. The other two play the corporate game of killing the poor and did not even take into consideration any of the documentation that I submitted to them. Thus, hereby, I am seeking help through the Consumer Financial Protection Bureau. Thank you for your time and consideration. Sincerely, XXXX XXXX | ||||||
| 01/28/2018 | Yes |
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| In XX/XX/XXXX, I took out a private student loan with a co-signer while in my XXXX degree program at XXXX XXXX University in XXXX, WI. After completing my XXXX degree, I went on to complete a XXXX XXXX degree and shortly after entered into XXXX school in XX/XX/XXXX. While I continued to be in school the loan was deferred. However, during XX/XX/XXXX, my first-year of XXXX school, I contacted Navient about the loan as I received a notice that it will enter repayment soon. When I contacted Navient in XX/XX/XXXX the customer service representative advised that I had used all of my deferment periods and could no longer defer the signature student loan. Nevertheless, I was then advised by the Navient representative that because I was still in-school I could make payments of {$50.00} a month. I agreed and started to make payments. Subsequently, I would have to call in every month to ask for a forbearance and then make the {$50.00} payment. After making several payments which Navient did not accurately post to my account. On XX/XX/XXXX, I placed a call to Navient and spoke with a supervisor, XXXX XXXX, and it got ugly. XXXX XXXX advised me that Navient is unable to take any more {$50.00} a month payments and either I pay the loan off in-full or make the regularly scheduled monthly payments. I explained that I was a full-time XXXX student that was unable to work full-time according to XXXX standards and there should be a way to make a payment arrangement. XXXX XXXX was very nasty and advised that " I just need to pay my bills. '' I escalated the call to the customer support team and left dozens of messages with the team regarding my complaint on XXXX XXXX. Unfortunately, I was not able to reach a live person and towards the end of XX/XX/XXXX, the loan became seriously past due. I am upset because I have kept all of my student loans in good standing but ever since Navient took over this loan from XXXX XXXX their customer service practices has led to this defaulted private loan. Navient 's continued unwillingness to make " reasonable '' payment arrangement with a full-time enrolled XXXX student has caused both myself and my co-signer to suffer harm with all three credit bureaus. Moreover, I have done my due diligence in trying to keep this loan in good standing. Further, on XX/XX/XXXX, I received a letter from Navient advising that I was overcharged forbearance fees and that I had received a refund of those fees on my account. My issue is that nothing on my account was reported accurately and up-to-date I am not able to see a full listing of all my {$50.00} payments that were made. Lastly, the private signature student loan that was originally taken out with a principal of {$2300.00} but has grown to {$4400.00} with several late fees, should not be seriously delinquent as I am willing to set-up a payment arrangement. I need assistance in dealing with this Bully of a Loan Service Provider. Navient 's customer service department does not seem to understand how they are negatively impacting people 's lives by deliberately and intentionally causing responsible borrowers to default on their loans. It must stop! | ||||||
| 03/31/2023 | Yes |
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| My complaint is in regards to the way Navient handles cosigner release. Their system is highly unfair and places unrealistic expectations onto borrowers, only to potentially be rejected anyway because application decisions are made at Navient 's discretion ( which I am certain means they have every right to reject any application simply because they feel like it and not for a legitimate reason ). I applied for cosigner release once in the past, only to be told that I was ineligible for it due to my enrollment in an income-based repayment program ( which Navient itself does not offer ). I believed at the time this was due to my federal loans being enrolled in Income-Based Repayment ( IBR ) prior to my federal loans being serviced by XXXX. However, upon taking a closer look at the terms and conditions of cosigner release, I am also ineligible for this service currently because of the fact I am enrolled in an Extended repayment plan rather than the XXXX repayment plan. On top of this, I would also be expected to make twelve consecutive on-time payments, which is the only reasonable stipulation they have. This is very unfair to borrowers. They and their cosigners should not be punished with ineligibility for cosigner release just because of the plan the borrower is enrolled in. Navient places too many obstacles in the way because they want to ensure that their borrowers never have the opportunity to release their cosigners. I can not speak for anyone else, but my cosigner is in their XXXX and they should not have to worry about having this hanging over their heads. In addition, it is my understanding that cosigner release, once the application is received, can take up to two years to go through and for the cosigner to actually be released from the borrower 's account. This is a wholly arbitrary and unnecessary period of time with no basis whatsoever in logic. There is no reason at all that simply removing a name from an account should take 24 months on top of everything else. Furthermore, Navient requires a copy of the borrower 's credit report, college diploma, transcript. Again, more unnecessary documentation. It should not matter what my credit score is or whether or not I graduated college. Neither of these has any bearing at all on the debt someone holds with Navient. I fully believe this is yet another attempt by Navient to discourage borrowers from trying to free their cosigners. This decision-making process should take no more than 6-8 weeks maximum. I have never once heard of anyone successfully having their cosigner released, either from Navient or any other student loan lender, so why is it even offered when no one can make use of it? It also seems highly unnecessary for Navient to need to know things such as my employer, my income, my rent and my other monthly payments, as well as requiring proof of income and tax forms. Their only concern should be whether or not I make my payments to them every month. They have no need for this additional information, yet they require borrowers to fill out a form including all of this before they will even consider releasing the borrower 's cosigner. | ||||||
| 01/04/2023 | Yes |
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| I have contacted Sallie Maes Customer service department of the advocate who pushed me to Navient as they claimed my loan was sold to them, therefore have no records. BUT, its Sallie Maes name on an income execution that is the main issue. Loans that were discharged over 10 years ago are being collected on by a XXXX and XXXX XXXX. This company was told over 10 years ago to stop collection and now that Sallie mae has no records, they proceeded with the collection and went to court to get a default judgement, never serving me paperwork in the process. I was never given a chance to defend myself. I am being sent from Sallie Mae to Navient and not getting any help. I received the paperwork on garnishment on XX/XX/XXXX and it starts XXXX days from XX/XX/XXXX according to the paperwork I will attach here. There are XXXX total garnishments they filed for, all of which Sallie Mae stopped collection on. My email to Navient is as follows : Hi : My name is XXXX XXXX and I received paperwork yesterday from the XXXX XXXX XXXX office that my wages were being garnished from an old Sallie Mae loan that was XXXX from a rep over XXXX years ago. The company who filed this under Salle Mae is an operation named XXXX and XXXX, located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and their phone number is XXXX. My complaint is as follows : 1. I was never served nor told of this lawsuit being filed ( I contacted the court to determine the next step, filed a complaint with the XXXX State Attorney Generals Office and filed with the XXXX and Consumer Advocates ) 2. This debt was discharged over XXXX years ago and now they are collecting under Sallie Mae , Inc as Administrator and agent for XXXX XXXX XXXX XXXX XXXX XXXX 3. After speaking with Sallie Maes customer advocates office, I was told to contact Navients 4. Last time this actions took place, XXXX and XXXX was contacted by Sallie Mae 's Consumer Advocates office to stop the process while they got things figured out and then stopped collection as these loans were discharged as not mine. 5. My attorney has advised me of steps we can take if Sallie Mae or now Navient, does not stop this collection as it was done by going around my legal rights Please, contact XXXX and XXXX and stop this process so this can be finally ended! It stopped in XXXX or XXXX, as the loans were discharged, then I got paperwork saying collection ended. I don't have this letter as its so long ago but it must be in your system. I know XXXX and XXXX can be contacted to stop this as it was done before and the Sallie Mae rep said they were a new company so they had no records of me, but you would. I can be contacted at XXXX to answer any questions, but I am also attaching a copy of XXXX of the XXXX Income Execution docs sent to me from the Sheriffs office and received by me yesterday for you to use. If needed I have all XXXX that can be sent. Thank you and time is of the essence as they are collecting this XXXX days after XX/XX/XXXX. Please at least get this paused while you search to get this figured out, as this ended XXXX years ago. Thank you XXXX XXXX | ||||||
| 08/05/2019 | Yes |
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| I received an email from payroll stating that my wages were being garnished for being defaulted on a student loan. I was surprised, because this was the first time that I heard of it. I contacted the collection agency and discovered that it was on 2 loans that were serviced by Navient. Thinking that it was a mistake, I asked Navient if they had information on me being defaulted on any of my loans, and they said no and confirmed that I was in good standing with all my loans. Navient emailed me a letter stating that I was in good standing and not in default, including the two defaulted loans. I called the Department of Education and they gave me the dates of the two loans that they said I was defaulted. Navient was the loan holder. I was confused, because Navient said that I did not default on any of my loans, and I had a letter stating it. I called Navient again and asked to speak to a supervisor. I spoke to XXXX, who was a supervisor. He had to go through the loans and search what happened, because the account history did not have any information indicating that I was in default. He was very helpful and found two loans that Navient had sold back to the Department of Education. He said that I was late on my payments. I asked him the dates and he told me in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I was very ill and was going back and forth to the hospital and ended up having XXXX in XXXX. I was on short term XXXX. I remember calling Navient and requesting my loans to be deferred or put on forbearance, which they were. Navient never told me that the two loans were sold ; therefore, I thought all my loans were being managed by Navient. I never knew that there was a problem. Why would I have all my loans put of forbearance except for these two loans that they sold. I looked at my Navient account and saw that Navient accrued interest right before selling the loans back to the Department of Education. Those loans also happen to be my oldest loans. It is suspect that Navient not only accrued interest before selling them back to the Department of Education, but they did not put them on forbearance with the rest of my loans, and I was not notified of the transaction. There is a lack of transparency and of full disclosure regarding how they managed my loans. Furthermore, the information on my Navient account does not match what the Department of Education has on record regarding these two loans. The Department of Education has them as being in forbearance and in repayment. I am currently completing an application for loan rehab and appealing the wage garnishment. However, I am disheartened that Navient could do something like this and deny responsibility for their part. When I asked XXXX, we said that they did send me notices that the payments were late, which I knew and requested forbearance. He stated that he does not have anything proving that I requested forbearance for those two loans and apologized for the miscommunication. If I did not request forbearance, then why were the rest of my loans put into forbearance, except for these two? I feel that this is beyond miscommunication and is negligent. | ||||||
| 07/27/2019 | Yes |
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| well it started in XX/XX/XXXX when I signed up for XXXX XXXX of XXXX and XXXX in XXXX PA, and I was told my financing would be through sallie Mae I was told I would not have to start paying back until 6 months after I graduated, well I finished school in XXXX of XXXX and XXXX of XXXX I received my first bill, and it was way more than I had been told it would be, I called Sallie Mae, and was told the extra amount was due to the fact that I didn't pay any of the interest while I was enrolled in school, I said I can not afford that payment, I was told, that is the amount I needed to pay, so I paid what I could, and as the months went on, I kept getting larger and larger " minimum amount due '' I finally realized that absolutely nothing was coming off the principal, I called them and asked, and it was explained to me that every month I paid less than the minimum due there was penalty put on, and all the interest and penalties would be taken off my payment first and if anything was left than it would come off principal, I was just going in the hole more and more, so, being young and XXXX, I stopped paying completely and I received periodic phone calls for a couple of months, than total silence, so I just forgot, and let it go, well approximately XXXX of XXXX I received a letter in the mail, not certified or anything saying I had a telephone court date, so I called in on the date, and the judge said, ok, what is the case here, I started to explain what I explained above, he interrupted and said, ok, you two sides work out a payment deal, and we will reconvene, and he got off the line, I said, I guess we need to work something out, the person for Sallie Mae said, we will accept {$850.00} a month, I said, I can not afford that, and he said, there is nothing more to discuss, and hung up, and I went about my life, and no more calls or mailings, now move on to XX/XX/XXXX I go to buy a car, and am told I have 2 judgements on me, so I look into it, and was told I had 2 default judgements on me from Sallie Mae for not calling in on the court date, I was never notified of any other court date except the one I called in on, the never sent anymore notification or anything, one judgement from XXXX of XXXX and one from XXXX of XXXX I had no idea of them, as soon as I realized, I was going to file an appeal, and was informed by an Attorney that there is a time limit to file an appeal, but I didn't even know I had them so I was way past the time limit, but above all, the judge didn't even give me a chance to bring up my defense that they are private student loans, and private student loans are subject to statute of limitations so they shouldn't have even been in court. this has ruined my credit rating, I can't get loans, my vehicle is a XXXX XXXX lease for {$600.00} a month, when you see them advertise for {$190.00} a month, but because of the unfair judgements I am ruined, than I see that they passed a law that XXXX veterans can get there loans thrown out, but only for federal loans, so, is there anything that can be done, I thing the judgements should be vacated and removed from my credit report and my personal file | ||||||
| 05/26/2017 | Yes |
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| I went to a school called the XXXX XXXX XXXX XXXX XXXX . Little did we know at the time ( I say we because my dad co-signed the loan ) that the certifications that the school were handing out were not relevant to the industry. The school was intended to provide licenses for XXXX XXXX XXXX . As it turns out, license for XXXX XXXX XXXX is not needed and there was no advantage to gaining a license for XXXX XXXX XXXX , we were unaware of this at the time. I understand personal responsibility and have paid a school loan for a number of years simply because my dads name was attached to the loan. I realized a few years later that the payments I was making were hardly touching the balance and I could never get any reliable information from the loan provider, XXXX XXXX at the time, to show why my balance appeared to be increasing. I spent some time in the military and my loan was on deferment. After the service I am pursuing my degree and now Navient is telling me that I am not eligible to defer the loan even though I am a full time student. Apparently being a private loan does not permit deferment. The company calls me incessantly and is using bully tactics and fear of credit damage to try and force me to pay. My argument is the school should have never been backed by the government to provide loans in the first place. It is obvious there was no real oversight on the part of the Department of Education. The school licensures were phony and the school no longer exists. The actions of XXXX XXXX XXXX XXXX XXXX amount to federally backed robbery. Navient of course will only set tle for 90 % of the total sum and refuses to negotiate past that point. I would be willing to satisfy some portion of the loan to make this end but I can not handl e 90 % of XXXX dollars. Which is almost the original loan amount. My issue is twofold, one being that the payments I was making in the early years of the loan, which would have been {$190.00} per month from around XX/XX/XXXX to XX/XX/XXXX @ what was supposed to be a 6 % interest rate, were improperly applied to the loan. I realize the school is being sued for grotesquely poor handing of payees payments. The second issue is the schools unwillingness to defer the loans while I am in school and their ridiculous level of harassment concerning repayment. It seems to me they know that they are going to end up losing in court and are doing whatever they can to retrieve as much money from loan participants before that happens. The federal government was conned by the middle-man ( the school ) and the consumer is left holding the bag for the equivalent of an additional car payment every month. I paid faithfully on this loan for 4 or 5 years and owe almo st exactly what the loan was originally worth. I would at the very least like to defer my loans w hile in school, at the most I would like loan forgiveness for something that has benefited me absolutely nothing. The school should have never had the authority to write or process loans in the first place, especially for a service that requires no training. | ||||||
| 12/17/2018 | Yes |
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| On XX/XX/18 called Navient to attempt to reduce my monthly payment. My usual monthly payment was about {$320.00} a month. I could no longer afford to pay it so I called to lower the payment. When I called there are two different Navients. There is the Navient that handles account information and the Navient that handles the transactions. No matter what the call is about the 1st Navient always has to transfer to a second Navient to handle any transaction, which the first Navient is always unaware of, or can't see any of the information the 2nd Navient does. So I proceed to speak to a representative from the 1st Navient. After requesting to lower the payment, they transfer me to the 2nd Navient. The 2nd Navient representative goes through the financial process and they were able to reduce the payment to {$220.00} per month for 9 months on automatic payments. I asked if they could lower it to {$200.00}. The representative said no, that's the lowest they could go. I continued to ask about if I made a monthly payment a few days earlier than the due date would that settle the payment for that month. The representative told me no, it would be added towards the principal balance. ( The is the first time I have ever heard of a company that sets up automatic payments and does not allow a customer to pay early and still initiate an automatic payment for that same period. ) Ok so I rolled with it and the payment plan was processed. I finished with the representative and was waiting for my confirmation. The 2nd Navient representative said he was emailing the confirmation. I waited about 10 minutes and the representative said that I should receive an email in a few minutes and he got me off the phone. I waited and nothing came. I waited 24 hrs and called back on XX/XX/18. I called back the 1st Navient requesting the confirmation to the payment plan and again was transferred to the 2nd Navient. The 1st Navient had no idea what I was talking about and had no information on the transaction. After being connected to the 2nd Navient I was shocked. The 2nd Navient representative told me I wasn't approved. I asked how could that be when 24hrs before I was approved by the same 2nd Navient. They said I wasn't approved based on my credit. I was never made aware that there was a credit check involved. There was no indication by the previous representative on the XX/XX/XXXX, that there was a credit check, nor did I approve Navient to run my credit for this process. So the representative proceeded to tell me that they were sorry and I had to pay the entire balance for that month. ( $ XXXX+ ) I told them I couldn't afford it and would not be able to make the payment. They said I could afford. After pleading, the 2nd Navient representative told me that they could lower the monthly payment to {$200.00} only if I would extend my loan for 8 years at % 4 interest. In was furious. Extending the loan 8yrs at 4 % interest would add about a third of the loan on top of what I owe. When I asked the previous call to pay {$200.00}, I was told no. Now that they figured a way to entrap me, they expect me to agree to the worst terms. | ||||||
| 04/11/2017 | Yes |
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| My Name is XXXX. While I attended school at the College of XXXX I took out XXXX loans from XXXX. These Loans later got transferred over to Navient. Over the course of the years I have been trying to pay back my loans. Even using federal loans to pay off private loans due to very high interest in the private loans. I successfully was able to pay off XXXX of the XXXX private loans resulting in approximately XXXX dollars including XXXX dollars in interest. I have XXXX more private loan with Navient from College and now federal loans I took out in order to complete my XXXX in XXXX From XXXX University. My last loan with navient was of XXXX dollar and with the accrued interest of 10.5 % it has increased to over XXXX dollars since XX/XX/XXXX. Over the past months and as recently On friday XX/XX/XXXX I called Navient asking for a deduction in my interest rate in order to make the payments manageable. At this point I am losing XXXX dollars a month in just interest alone. I explained to the customer service agent named XXXX ( XXXX ) that I am an expecting mother XXXX in XX/XX/XXXX willing to pay back my loans but I need to refinance my loans to a lower interest rate. in order to be able to survive. He explained to me I am on deferment until XX/XX/XXXX and I do not need to make any payments. I explained to him that my XXXX date firstly is on XX/XX/2017 not XX/XX/XXXX and also that regardless the fact that I do n't need to make any payments my interest is accruing and now I am an expecting mother. He was unable to offer any resolution to my problems and unwilling to help me with refinancing to a lower interest rate. After explaining to him that this is unfair and making him aware that I know Navient is in a lawsuit and there practices are not helpful to americans he provided a glimpse of help. He reported that yes Navient has refinance to even as low to 1 % interest after that students submit to financial assessment ones my school reports I am XXXX in XX/XX/XXXX not XX/XX/XXXX. I explained to him why do I have to wait for my school to report to them I am XXXX next month while I am telling him now. I asked why not perform the financial assessment now as oppose to next month but he was unwilling to help any further. I find the practices of navient to be unlawful and hurtful to myself an all americans. Because of Navient loans I am unable to move out of my boyfriend parents house as I a can not help with rent. Navient has trapped me with high interest rates that even as I try to make monthly payments I finally feel that I have to give up. I can not keep up with the interest rates especially with a baby on the way. Navient also admittedly prefers to keep me in deferment in order to just increase my interest rates. I am upset that I they are not unwilling to help me with decreasing my interest rate to my loans. I explained to Navient that they already won and I am expected to pay back over XXXX dollars of interest on all my loans but the are still unwilling to help. At this point I give up and I hope that you can help. I can no longer continue to pay Navient especially now that I have a baby on the way, | ||||||
| 12/25/2017 | Yes |
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| XX/XX/XXXX : My private loan account with XXXX XXXX XXXX XXXX was funded on XX/XX/XXXX for {$98000.00}. The loan is being serviced by Navient. I went to the Navient website on XX/XX/XXXX and applied for auto pay. This entitles me to a 0.25 % reduction in the interest rate on the loan. The rate reduction is an important reason that I applied for this loan. On XX/XX/XXXX I wrote to Navient via their website ( see copy attached ) asking when the auto pay would be activated and the amount of each auto payment that will be deducted from my bank account. On XX/XX/XXXX Navient responded to my message ( see copy attached ) saying that my loan is not currently enrolled in auto pay and directing me to their website to enroll. The process they described for enrolling was the same one I had used to enroll on XX/XX/XXXX after which I printed the confirmation of my enrollment from their site ( see attached ). This confirmation indicates that " Confirmation of your enrollment has been emailed to XXXX '' but I did not receive such confirmation. On XX/XX/XXXX I wrote to Navient via their website again ( see attached ) asking them 8 questions about the account, 4 of which related to auto pay for the account. One of those questions was whether they would adjust my interest rate retroactively based on the date of my enrollment in auto pay. Navient responded on XX/XX/XXXX and among other things reiterated that the loan was not enrolled in auto pay. They also stated that my interest rate would not be retroactively reduced based on the date my loan was first enrolled in auto pay. On XX/XX/XXXX I wrote to Navient via certified letter through the US Postal Service ( see attached ). I asked why the account is not enrolled in auto pay given their online confirmation of enrollment on XX/XX/XXXX. I also asked when would the account be enrolled. I received a response from Navient dated XX/XX/XXXX ( see attached ) in which they stated that they " were n't able to process '' my application for auto pay because " A complete, signed Auto Pay application is required ; please complete the application and return it to us ''. This was the first intimation I had that a signed form was needed. I filled out the form, signed and faxed it to Navient earlier tonight. I wanted to use the first of the thee options they list in their letter for returning the form, namely " Online ''. However, that option does not appear to be available on their website, hence, I faxed the document. At this point I will not be surprised if they do n't receive it. At this point I want Navient to reduce my interest rate retroactively so that it is effective no more than 3-4 weeks after I enrolled in auto pay, i.e., effective between XX/XX/XXXX and XX/XX/XXXX. The facts are that I did enroll in auto pay using the means they provided. If a signed form was needed they should have told me before or at the time I enrolled and provided me with the form. Also, they picked the time frame within which enrollment would be activated. I did n't. I would appreciate CFPB 's assistance with prompting Navient to do the right thing in this case. Best regards, | ||||||
| 10/03/2020 | Yes |
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Web | Servicemember |
| I took a XXXX loan originally with Sallie Mae in 1996 for XXXX. The loans were XXXX XXXX and Sallie Mae was assigned to service the loan. After my 6 mo deferment ended, I was contacted by a representative who advised me that I had several loans and she recommended that she " make things easier '', by offering 1 payment. I agreed without knowing what she was referring to was a loan consolidation that locked me into an 8 % interest rate and precluded me from moving my loans to another servicer that offered a better rate. I started receiving regular calls from the loan servicer recommending deferment, and frankly, it was an easy option without regard for the compounding of interest or the consequences. They would call before the deferment period would end and offer the option. It was like clockwork on their part. Sallie Mae was purchased by Navient and subsequently, my loans were assumed by another servicer. At this time, I was watching my yearly statements increase the balance on my loans. I had inquired about getting a lower rate, moving the loans, or payment options. Again, I was told " it wasn't an option, because I consolidated my loans. It was suggested that I deffer for 6mo and " see what my situation is at that time. '' This cycle of calling to deffer was like clockwork and I began to see my balance increase. I called Navient in a panic and the only option was deferment or payoff. I started and stopped payments so many times from the increasing payments. When Navient took over, I started making my student loan payments online, and Navient would take up to 3-4 days to post payments after they were made and charge huge late fees. This happened over and over. I called to change the payment due date and it was recommended I defer my payments. This became a game of " cat and mouse. '' Just recently, I have been making 440+ payments for the last 6 years, never missing, or late fees. When COVID forbearance when into effect, my loans were put into forbearance without intrest accrual or so we thought. We later found out that Navient had put my loans into automatic forebarrance without knowing and interest had accrued, my 6yr consecutive payment history was earased, and I was assessed late fees. When I contacted Navient and questioned WHY I wasn't eligible for forbearance, I was told that although I did in fact have Dept of Education loans they weren't the administrator of the loans back in 1996, Sallie Mae was, therefore I did not qualify. This was after the fact, despite calling Navient and being told Stafford Loans WERE eligible. Throughout the years I inquired about - Public Service Forgiveness ( teacher and non-profit ), I was told that I was not able to participate, refinance from 8 % told I was not eligible, I believe bogus late fees were added and payment history was misappropriated through the years and not in my favor. My initial loan was XXXX and I will have paid over 100K + by the time this company keeps me trapped and broke. Navient now would like to offer me a 3.99 % rate to all of a sudden have the option to re-finance with them. I feel they are trying to swindle me once again. | ||||||
| 02/09/2021 | Yes |
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Web | Servicemember |
| On XX/XX/2020, I sold my house to move with my job and paid-off student loans with Navient in the amount of {$34000.00}. Consequently, I had a pending service connected XXXX claim with the VA. In XX/XX/2020, I was notified by the Veterans Benefit Agency that I was determined 100 % XXXX and XXXX XXXX EFFECTIVE XX/XX/2020. In XXXX, I submitted my XXXX and XXXX XXXX Discharge for my student loans. XXXX determined I was eligible and discharged remaining student loans I had. Subsequently, I learned that any student loan payments I made after that VA determined EFFECTIVE date would be refunded to the person that paid them, which is me. I submitted an inquiry to Navient regarding this process and was greeted with a stout denial, stating " unfortunately, if a loan is paid in full prior to being approved for XXXX Discharge, you are not eligible for a refund of payments. Please understand, Navient must adhere to the guidelines for XXXX discharge as dictated by the U.S. Department of Education. '' I responded to Navient with the exact verbiage stated on the XXXX application, XXXX No. XXXX, that clearly states in " Section XXXX : DISCHARGE PROCESS/ELIGIBILITY REQUIREMENTS/TERMS AND CONDITIONS FOR DISCHARGE - discharge process for veterans who have been determined by the VA to be unemployable due to a service-connected XXXX : ... ... ..Determination of eligibility or ineligibility for discharge. if we determine that you are XXXX and XXXX XXXX, you will be notified that your loans and/or TEACH Grant service obligation has been discharged. The discharge will be reported to nationwide consumer reporting agencies, and ANY LOAN PAYMENTS RECEIVED ON YOUR LOAN ON OR AFTER THE EFFECTIVE DATE OF THE DETERMINATION BY THE VA THAT YOU ARE UNEMPLOYABLE DUE TO A SERVICE-CONNECTED XXXX WILL BE REFUNDED TO THE PERSON WHO MADE THE PAYMENTS. '' XXXX, a customer advocate from Navient, directed me to " Section XXXX : Definitions - A discharge of a loan due to a XXXX and XXXX XXXX cancels your obligation ( and, if applicable, an endorser 's obligation ) to repay the remaining balance on your direct Loan, FFEL, and/or Perkins Loan program loans. '' Clearly, this is a misreading of the process, requirements and terms/conditions for discharge. The XXXX Discharge application, regarding VA determined XXXX, does not state anywhere that if the loan is paid in full there is no refund. In fact, it says the exact opposite. ANY payment made after the VA determined EFFECTIVE date ( XX/XX/2020 ) will be refunded. I have spoken to Navient twice and have received the same response reflecting the XXXX XXXX statement. I inquired to XXXX, the company that administers the XXXX program, and the response from them stated " Thank you for contacting us. Your loan holder will refund any payments made after XX/XX/2020 ''. When I discussed this inquiry with XXXX at Navient, she stated she doesn't care what XXXX said. I have also submitted a complaint to the Ombudsman for Federal Student Aid with this information. There is clearly a misinterpretation of the process or a clear disregard for it. Please review this information. Thank You | ||||||
| 11/05/2017 | Yes |
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| My complaint is against Navient, specifically their private student loan services. Early XXXX, I called and started the process to reduce my interest rate, which would reduce the monthly payment. Originally, they wanted around {$1200.00} a month, which is 50 % of my monthly income. When I first called, I provided them with my financial statement. Then, my co-signer called in and gave them his in-depth financial statement. My co-signer makes less money than I do a month and is unable to help me make the full payment. I can pay around {$600.00} a month. When I called the second time, I spoke with an employee named XXXX ( ID : XXXX ) and she processed my application. She spoke to a supervisor to get my application approved and I electronically signed a contract for an interest rate of 3.0. They automatically took out the money from my bank account and was told that I was good to go, that my application was approved. Later in the week, I get a call from XXXX saying that there is a problem and that I need to call back. I called back the next day to speak with XXXX and was told that XXXX no longer worked there ( She was fired ). The lady that I was now speaking to was XXXX ( ID : XXXX ). She said that the contract I originally signed electronically had to change because my co-signer 's fica score was average to high. XXXX talked with her supervisor and they suggested that the interest rate be risen to 3.5 in order to meet the guidelines of the contract. I signed another contract electronically with the new interest rate of 3.5 and was told that the application was approved. We set up automatic billing again with the new rates, which would take effect in XX/XX/XXXX. A few days later, XXXX calls my mother 's cell phone and leaves a voice. I tried calling back the following day, but they were closed. I called back the next day and was informed that XXXX was no longer with the company ( She was fired ). The man I was speaking with transferred me to his supervisor ( XXXX ) who informed me that my contract that I had signed electronically was void because it seemed like my cosigner has money even though he makes less money than I do. She asked if I want to go into forbearance and I stated no. She stated that my cosigner had to call back in to give his financial statement again. I asked if the interest rate needed to be higher to a 4.0 and XXXX stated no we ca n't process your previous agreement. This entire situation seems unjust and sneaky. Twice I have signed electronic contracts for reduce interest rates. Twice I have been told they are void. Twice have the representatives who have been helping me with these new interest rates been fired. Personally, I 'm living with a XXXX and trying to work full time as a XXXX in order to survive. I can only afford $ 550- {$600.00} a month and that is all that I will be paying a month. The company can either work with me or work against me. My cosigner will be calling at the beginning of the week. I plan on contacting them later this week and, if it becomes necessary, contact a lawyer. Everything that was stated over these phone conversations was recorded. | ||||||
| 12/13/2022 | Yes |
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| Im writing this complaint due to my private student loans through navient. This started when I transferred to the XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Florida from XXXX University in Alabama. When I talked to what they claimed to be student advisors they told me that they were an accredited university and that my credits would transfer and they had plenty of options for me to pay for schooling such as ; financial aid, scholarships and grants. A lot of the conversations were over the phone due to me living in Alabama at the time. I would often get brochures showing me how well the school has excelled since being an accredited university. So I decided to make the move and start my new journey. When I arrived in Florida I had the chance to actually see the school in person, but I noticed that some of the things told to me previous to moving werent the same now that I was there. When I called my previous school of XXXX university I was told by them that my credits were not transferable due to XXXX XXXX XXXX XXXX XXXX XXXX not being an accredited university this made me very weary with knowing that I just made this big move. When trying to get funds for schooling they later told me that my fasfa had ran out and no scholarships were available at the time. While dealing with this whole mess, I was ready to back out completely but when they told me that if I dont attend now that the courses I need to pursue my major would not be available to me after this point I felt cornered and pressured with not having any parental guidance nor guidance from the university. They told me the only way to get in was to try for a personal loan which they also added that I could get in my name and all I needed were references I later found out that they had forced my mother to enter as a co-signer explaining that is was just temporary and a precaution to better my chances. The loan was originally for {$12000.00} from XX/XX/XXXX until XX/XX/XXXX after a car accident that halted my transportation I decided to drop out before XX/XX/XXXX. Years later I would receive letters about repayment with not being able to repay what they asked, at the time I asked for options they told me that forbearance was my best option it would stop payments they never explained that my interest would accrue so high to the point that my total bill is now over {$29000.00}. And I attended the school for only one full semester. I have been threatened my mother more importantly has been threatened with them trying to put a lean on her home and countless other threats. I feel that this whole process is illegal especially the school I attended is permanently closed since 2015. They and navient have had countless lawsuits against them for partnering together to lure young kids like myself into signing up for this life long trauma. I just wanted an education that they told me was possible they promised me with job opportunities and as above, financial aid, grants and scholarships which none of the above have not nor were true. No one can even context the university to get my withdrawal dates or any other information that could be needed | ||||||
| 04/05/2018 | Yes |
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Web | Servicemember |
| I submitted my documents for the Income based repayment plan, working with Navient, In early XX/XX/XXXX. I had originally enrolled in the plan in XX/XX/XXXX. I received notification on XX/XX/XXXX that the documents had been received, were in process, and would take 17-20 business days to complete. On XX/XX/XXXX I received confirmation that I was " approved '' for the payment plan, which I had already been enrolled in and was just resubmitting the necessary documentation to STAY enrolled, and that my payment would be {$740.00} per month beginning XX/XX/XXXX. One week later on XX/XX/XXXX, I received another message titled " CHANGE IN LOAN TERMS '' and stating that I had not submitted my paperwork, that if I don't submit by XX/XX/XXXX I will go to the default payment plan which my payments would total approximately {$1400.00} each month, and that my payments would begin on XX/XX/XXXX. It did not specify any thing about specific changes to loan terms, however, just stated that I didn't submit my paperwork. I spoke with an employee at Navient who was able to verify for me that I did indeed submit my paperwork and that they were still " processing '' what the total amount would be. I explained to him that I was sent a document on XX/XX/XXXX stating what the total amount would be and that I would not accept any other amount as they had already verified this. He then said he located the document they sent on XX/XX/XXXX, and proceeded to explain that my payment was actually {$730.00}, and resent an document confirming this change in the amount or how it was that I had gotten that document sent to me. He also could not explain why my payments were moved to XXXX to begin the increase in repayment ( I had previously had a payment set to XXXX $ due to not making money in he first half of the year ). He explained that these were automated messages and I could ignore them an assured me come XXXX the payment due would be {$740.00}. I again received a message on XX/XX/XXXX stating that if I didn't submit my paperwork I would be placed on the default payment plan, but in good faith believed this to be " automated. " On XX/XX/XXXX, when my loan payment is due XX/XX/XXXX I received a statement totaling XXXX and was not able to get a hold of anyone due to Navient not being avaible to consumers through any other media than phone and only being open XXXX. They ultimately told me that I should pay the {$740.00} because their system approved it, but that they would need to make a " request '' to get everything changed and that it would happen by XX/XX/XXXX. They continued to reassure me, with the employee stating he would personally follow the account and update me if something were to happen. I am concerned that if I pay the {$740.00} with the actual payments showing I owe XXXX, that I will incur more interest on this payment, and this is not right. I am now concerned they haven't processed my payments and counted my payments that I was making towards my overall debt since my loan payment was set to XXXX $ based on my income, but I was making some payments when I could in order to knock down the balance. | ||||||
| 01/29/2019 | Yes |
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| I graduated with my XXXX XXXX in XXXX XXXX studies and started paying off my student loans in XX/XX/XXXX. Initially my loan was with Sallie Mae ( now Navient ) and it is now with XXXX XXXX. When I discussed my repayment options with Sallie Mae on numerous occasions, they always insisted I repay my loans using the standard payment plan and discouraged me from the income driven plan. They told me I would pay my loan off faster if I did the standard plan and encouraged me to pay more on top of the monthly payments when it was feasible for me. They did not present the public service loan forgiveness program as an option to me, even though I was clearly working in the public service department as a XXXX XXXX. I honored that plan, making my payments timely and in full over almost 6 years, even paying extra principal whenever I could spare, trying my best to get ahead as they advised. In XX/XX/XXXX I discovered the Public Service Loan Forgiveness ( PSLF ) program and contacted my current loan company, XXXX XXXX. They explained I would qualify if I simply switched to an income driven repayment plan. I immediately changed my payment plan, applied for the PSLF program and qualified. In retrospect, I was paying considerably MORE on a monthly basis and at a higher interest rate ( even without the additional principal I was trying to pay ), in the Standard Repayment Plan then I would have had I been enrolled in the Income Based plan from the start. Let alone the fact that I would have been accumulating credited time towards loan forgiveness. Had I been properly informed of my options, this one plan in particular, I clearly would have gone this route. When I was told by my loan company and PSLF that there was nothing they could do to for the 5+ years I lost out from participating, I contacted my lawyer who directed me to our state congressman, XXXX XXXX XXXX I explained to him that the previous 5+ years of loan repayment did not fall under the strict guidelines currently in place for eligibility of the PSLF program and I was interested in the possibility of the guidelines being amended going forward and possibly on a retro-active basis. Unfortunately, they were unable to help. I have recently discovered that I am one of many individuals that were wrongly advised by Sallie Mae ( now Navient ). If it wasnt for their misguidance to convince me to pay more using the standard loan repayment plan and steer me away from the income based plan, I would have qualified for PSLF 9 years ago. Not only would I have saved money a monthly basis, but I would qualify for complete loan forgiveness later this year. Instead I have paid thousands of dollars more than necessary and will be paying off my loans for an additional 5+ years. I have struggled at times to make my payments but have always made the sacrifice and kept it a priority. It is wildly unethical what Sallie Mae/Navient has done to me and apparently many others. Clearly they mislead customers like me for their own profit. Before I continue to pursue this legally, I thought it would be beneficial to make a formal complaint to your department. | ||||||
| 08/09/2017 | Yes |
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| I received a notice and phone calls about a delinquent XX/XX/XXXX student loan payment from Navient. Then received a notice from my bank about being charged a {$25.00} fee for insufficient funds. On XX/XX/XXXX, I logged into my account on the Navient website and selected the Autopay tab. Under that tab, it offers the option to add another bank. I added a new bank, and attempted to delete the old account, but deleting the old bank account was not an option. The Navient website prompted me to select the bank account that was to be used for " future payments. '' I selected the new bank account and confirmed that it was the account that would be used. Fast forward to XX/XX/XXXX and I received two notices by mail from my old bank for {$25.00} each for insufficient funds due to Navient attempting to pull my XX/XX/XXXX payment from my old account. On XX/XX/XXXX, I both log into my Navient account and call Navient, to make a payment, inquire about how to get them to auto debit the appropriate account, and request a refund. The Navient customer service rep tells me there 's an additional step that needed to occur to remove my old bank and add the new bank for auto debit. I explain to her that during my first attempt to correct the situation on XX/XX/XXXX, that was not clearly posted anywhere on the website, and that due to the instructions given by the site I was lead to believe that I had done all that was needed to keep my account current. I requested the refund for the {$50.00} I had incurred in insufficient fund fees from my old bank and was placed on hold several times for her to confer with her manager. When she finally returned, I was told that my request for the refund had been denied. I asked to speak with a supervisor and again was placed on hold multiple times while the rep attempted to find a supervisor. When I finally spoke with a supervisor I was informed that they did not believe that Navient had committed a servicing error and that he did not have the authority to authorize a refund. I asked if I could speak with someone who did have the authority and he stated I could upload my bank documents and the processing team would assess the situation to determine if they would grant a refund. I stated that the bank documents only demonstrate that I was charged fees and do n't offer any explanation for the website being misleading. He stated he would make a note in my account of the situation. I stated that I did n't believe that to be a fair or accurate account due to him not believing my account of the situation. He again stated he believed that it was unclear as to what bank account was being pulled from, but that it was n't a Navient servicing error. I asked again for a direct contact on the processing team so that I could give my account of the situation and he only gave the general mailing address and fax number. I expressed my disappointment and the inconvenience at losing the {$50.00} fee and was told that if the processing team decided to grant my request that it would take at least 10 days before they reviewed my claim, and then 6-8 weeks if I was granted the refund. | ||||||
| 01/04/2017 | Yes |
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| I tried to login to my online account to check the status of my accounts when I was prompted to a screen that said " Navient account XXXX error code XXXX. '' I than tried to reset my password, thinking maybe this was website error and was prompted to the same error code screen. I than contacted Navient at XXXX and spoke with a customer service representative that I explained my login issues with. He informed me my account was XXXX and he was unable to see anything from the " back office '' as he explained. He said I could n't login to the website for six months. Than he told me he was transferring me to the " back office '' department who could assist me further. I waited until I spoke with a repetitive who had trouble deciphering the issue I had called originally to speak on. He stated my loans were in a charge off status and that I could n't login to the website to make a payment or check any status of loans. I explained to him I was looking at a screen shot of XXXX loans ( # XXXX and # XXXX ) that had been XXXX days past due and had {$0.00} currently owed and my next due date was XXXX/XXXX/XXXX. Both loans stated this information. I asked to be transferred to a supervisor who had been given the reason of my call. He stated all my loans including the XXXX that stated they were current, and had zero currently owed were also charged off in XXXX of XXXX. I once explained this could not be since I was staring at a screenshot of the loans from XXXX/XXXX/XXXX showing both loans current and {$0.00} currently due with a next due date of XXXX/XXXX/XXXX. He explained he could n't help and transferred me to an unnamed department with the phone number XXXX. Upon transferring me to this department I was prompted by a voice recording saying to leave my information and they would respond within three days. I am beyond upset and frustrated how I first could n't login to view any loans online. Secondly, I was told loans that I had a screenshot of saying current and no payment due, were now being told they were charged off and they had no explanation of how or why I had very different stance since I was staring at a screenshot of both showing current XXXX/XXXX/XXXX. I have had multiple payments be misapplied in my history with XXXX XXXX which than became Navient. I have had multiple login issues online. I have had multiple times where current loans were being called on auto-dialer systems not only to me, but also to co-signers. I have n't received XXXX collection call or letter from anyone referencing these XXXX loans I am now being told are charged off when I have an actual screen shot from two days ago, showing very differently. The next step is contacting my attorney is this matter is not resolved quickly. First off this is a violation of FCRA debt collection practices since these XXXX loans were current and have never received any communication regarding them charging off. I have had issues with Navient previously regarding XXXX and Cease & Desist laws pertaining to me and my cosigners who were called on current loans. As I stated I will be contacting my attorney, the XXXX and the CFPB. | ||||||
| 08/21/2018 | Yes |
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| Over the course of the past seven years that I have been in school and receive loans multiple instances have occurred with Navient in regards to repayment. One issue that I have had was An attempt to remove my cosigner from my loans. On three different occasions Navient explained certain steps that must be followed, and payment plans were created so that I would be able to release my cosigner. All three times, once I had fulfilled the terms that Navient explained to me, and I called back to have my cosigner released, the terms such as amount of consecutive payments that should be madeand the overall amount of money that had to be repaid was changed and I was not allowed to release my cosigner from my loans. In XXXX, I was diagnosed with XXXX and I contacted Navient To find out if I was eligible for any type of discount or alternate payment plan due to the fact that I would be out of work for an extended period of time. I was told my only option was to enter into forbearance and would only have to pay {$50.00} each month that I was on forbearance to find out if I was eligible for any type of discount or alternate payment plan due to the fact that I would be out of work for an extended period of time. I was told my only option was to enter into forbearance and would only have to pay {$50.00} each month that I was on forbearance. I have since learned that there should have been multiple options given to me. In XX/XX/XXXX, I was contacted by Navient and offered a repayment plan that was income driven. I was told of a particular amount, that was {$120.00} that I would be required to pay each month. My bank account information was given to Navient and I was set up for recurring automatic withdraws from my bank account. Each month I would receive phone calls and letters from Navient stating that my payment had not been made. When I questioned how that was possible because I was set up on automatic withdrawals, I was told that for some reason my bank would not release the funds. I would then confirm the account numbers that they had on file, and each time they were correct, and the payment Was re-ran and went through with no problem. However Navient has placed a late payment report on my file and with the credit bureau for each month since XX/XX/XXXX. I was also told by one of their representatives that after the initial agreement was made, my account was resubmitted and I was actually supposed to be paying less each month then what the original agreement had been. When I questioned why I was not informed of the decrease in payment owed, I was told that it didnt matter what their computers said I was supposed to pay, I agreed to the initial payment so there was no reason to make any alterations. The payment that was made in XX/XX/XXXX was only ran for part of what we agreed payment should be and Navient has informed me that its being recorded as a failure on my part to maintain agreed-upon payments and my payment plan might be canceled. I asked to speak to a manager, and that manager told me they can say and do whatever they want and there was nothing he could do to help me out | ||||||
| 09/30/2017 | Yes |
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| XXXX XXXX, XXXX Navient manages a series of federal student loans I took out during college. I 've spoken with their call center ( located in the XXXX XXXX multiple times as I prepared to pay off the loans that were un-subsidized and at a higher interest rate. After considerable financial planning, I took my inheritance from my mom and very, very clearly instructed Navient over the phone to pay my highest interest, XXXX loan in full : {$4700.00}. Because of the emotional attachment I had to this inheritance from my mom, I was extremely careful and extremely clear and talked to three clerks at the call center before finding one that undoubtedly knew exactly what I was asking for, and she confirmed that we could pay for that single loan without a problem and she told me by phone that I had paid the loan XXXX XXXX XXXX in full, and would get the official letter confirming this loan had been paid off. Although I believe the clerks intentions were good, when I reviewed the emails, paperwork, and online account information on my payment of {$4700.00}, I discovered that Navient had distributed the {$4700.00} across all of the loans - most of which went towards lower interest loans, subsidized loans, and loans that qualified for forgiveness. They did not follow my instructions and did not do what we had agreed upon. I think they did this on purpose because I was making a wise financial decision by paying off my worst loan first ( it was not consolidated - so it was not part of a grouping of loans ). It really appears that they lied to me in order to charge me more money in the long-term. I am worried that they will not fix this - particularly since the only record of my request would be their recording ( I did not record the phone call - but I will record all of my phone calls with Navient from now on and will let them know I 'm doing so at the start of each conversation ). My mom worked so hard to save that money, and I have all these memories from childhood of her leaving at sunrise for work and not being home until late ... she wanted to help me go to college, but because of life 's misfortunes she could not. She left me that gift when she passed on, and I was trying to use it for what she would have wanted - my college education - and Navient disrespected that by trying to make more money off me by distributing the payment across loans instead of the one we agreed upon over the phone. I really worry about other people in a similar circumstance as me, but who are n't keeping detailed records and who do n't have time to double checking that what Navient does matches with what they said over the phone. What they did to me was an easy/deceitful way to make me owe more money for a longer amount of time. Thank you for bringing attention to this. My biggest concern is that this was not a mistake ( because I 'm sure the clerk and I were on the same page ) - but part of an organized effort by Navient as an institution to charge more interest and make more money by not following the instructions of those that try to pay off higher interest unsubsidized student loans first. | ||||||
| 03/19/2023 | Yes |
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| Date : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX Name of Creditor /collection agency : Navient XXXX XXXX XXXX XXXX XXXX PA, XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe you or my account was charged off. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation, being that the debt is listed against me. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error of incorrect balance, missing information, incorrect credit limit, high balance is lower than owed balance, status or any other field blank, status incorrect, incorrect high balance, late pays after an account was closed, account number inaccurate contains Xs or asterisks instead of full number, account type inaccurate, invalid furnisher, date of last activity incorrect account over 7-year period, date of last update incorrect, date reported inaccurate, collection account listed with a limit, but a collection can not have a limit, charged off listed as open or collection, a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney XXXXenerals office, should you continue in your non compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : XXXX. Defamation XXXX. Negligent Enablement of Identity Fraud XXXX. Violation of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX | ||||||
| 02/07/2017 | Yes |
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| 1 ) I signed for a XXXX year grace period when I first took my loans. They used up my signed for grace period when I had to transfer schools. When notified I let them know immediately that I had been in school all that time. They noted and documented my account with that information. It was supposed to be restored upon my 2016 graduation. That did not happen. In XXXX 2016 I started getting calls, and constant harassment about payments. I kept insisting on my rights, and they kept telling different stories and giving different options every time I talked to some one. No one had the same story. They all had different requirements for me to do. I am a XXXX ... I know hoop jumping and legal jargon when I hear it. I worked as I went through school ... I know when someone is doing double talk. 2 ) They stopped calling me, the primary loan borrower and harassed my cosigner constantly. After continual battling, I had started to make minimum payments but they kept calling and harassing my cosigner not me. When on the phone with someone, you spend an hour rehashing all the details that should have already been in your account. They do not listen. You try to offer solutions within your real income, and they stick what their computers say. They do n't listen. They do n't care. They have their agenda which does n't include your real situation. It often ends with hostile comments such as " Well than, we ca n't help you. '' So why offer at all? Some of their solutions are to pay {$50.00} to have it return to the balance on your loan to gather more accrued interest. They offer no solutions for simplifying your loans into XXXX. They make you pay multiple loan accounts, which adds up fast when all their interest rates are different. They have excruciatingly high interest rates. They rework your paper work without your consent. Then they make claims of helping but really, they 're looking to make you pay more. No XXXX people will ever tell you the same story. You 're lucky to get the same person you called before. IF you do not ... then you 're rehashing over and over and over while continually being treated like you 're stupid. 3 ) No XXXX representatives offer the same solutions, and they always act like I am an XXXX and that I do n't know what I am talking about. They 're abusive, rude, and do n't really offer solutions. Even when you the borrower want to negotiate better rates of repayment. They claim XXXX of XXXX scenarios : They are a Private Bank ( when the mood fits ) or they 're a " Student Loan '' organization. They jockey those terms back and forth muddying the waters of what they 're capable of. 4 ) I have already filed a complaint with my State AG. I will be filing complaints with all my representatives at the State and Federal level, as well as with the Federal AG. I am tired of these legalized loan sharks abusing their customers who are former students trying to pay them back. It is both XXXX XXXX and its subsidiary Navient, that cause so much problems. They just have loan sharks in the background and do n't want to renegotiate. They think they can bully their customers. | ||||||
| 12/06/2018 | Yes |
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| In summary I cosigned a loan for my daughter with SallieMAE for {$10000.00} in XXXX. Both of our records confirm that I have paid diligently from XXXX XXXX for a total of {$12000.00}. NAVIENT said that I owe an additional {$2200.00}. I can not fathom how they calculated this much in interest. The only correspondence I have about the interest rate shows 3.25 %. The manager from Navient ( spinoff from SallieMAE ) told me on the phone it was a variable rate, but they have not been able to provide any documentation to confirm that. I have letters from SallieMAE in XXXX and XXXX that state the interest rate is 3.25 %. At 3.25 % the loan should have been paid off in XXXX as I believe and my payments confirm. I also paid off 2 other daughters student loans at the same time. In XX/XX/XXXX Navient reported that I was behind payments by 2 months. This made no sense to me since I had stopped payments in XXXX of XXXX. I opened a dispute with the credit agency, but it was closed 2 months later. I spoke with NAVIENT to try and resolve, but they could not provide any documentation or proof about the how they calculated approximately a {$15000.00} debt on the {$10000.00} loan. This equates to a 50 % interest assuming no payments were made. The indisputable facts are that I made over 145 payments for {$84.00} per month for a total of {$12000.00}. I think it is outrageous for Navient to be looking for more money from me for this student loan and to report false information to the credit reporting agencies. Both my daughter and I have been harmed by the negative credit report. on XX/XX/XXXX I had a call with a Navient manager, and we negotiated a settlement of {$890.00}. This manager said that our credit report would be updated to reflect " Paid '' or " Satisfied '' if we paid the {$890.00} by XXXX on XX/XX/XXXX. I received the settlement offer, only to learn that the credit bureau status would be updated to paid in full for less than the full balance. In addition, there would be a XXXX issued on the balance of the amount they said I owed less the settlement amount. I understand these firms need to collect when payments are not paid or fall behind, but my payment history clearly demonstrates that I diligently made the loan payments from XXXX to XXXX and thought I had paid off all my kids loans by XX/XX/XXXX. I firmly believe the tactics used to recover this debt is the result of shady lending tactics by SallieMAE, Navient and XXXX XXXX. Our financial reputation has been severely damaged as a result of these tactics. Trying to get help from Navient, XXXX or even through the attorney generals office is not helpful. To this point Navient will not provide any supporting documentation to show how they determined the additional debt. In fact they provided false information to the credit bureau, stating that I was making payments through XXXX of this year. In addition they report that my payments were only {$60.00} per month. Both points are not true, I can show that I made payments of {$84.00} from XX/XX/XXXX XX/XX/XXXX. Any help you can provide is greatly appreciated. XXXX | ||||||
| 07/07/2019 | Yes |
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| Hello, My complaint is an ease of access to my information on the NAVIENT website. I've been making regular payments on my student loans for several years. Throughout the years, if I have enough money to make an over-payment on a particular loan I would use their website to sort all my individual loans by various factors such as, loan total and interest percent. Within this view, I would click each loan and it would show details about that individual loan, such as, monthly payment amount for that particular loan. It would also tell me how many months at that particular payment was remaining within that loan. My complaint is how this information is accessed within the website. In its old state, I could click from one loan and see the details and then quickly click to another to play our scenarios within my mind as to which loan would be best to pay off first. The websites current sate now has users click within a different part of the website and submit a request and then I can view the same information within a PDF. Although the information is certainly provided to me the delivery is now harder to access. I have sent several queries to the help center within the website asking WHY the loan detail information is in this seemingly less convenient user flow. The responses I get are canned responses explaining how I can access the information. Here is a copy paste of their PDF response : XXXX Dear XXXX, Thank you for your inquiry. I am happy to help. The monthly payments are now under a different tab. If you login and click on Tools and Requests then Printable Account Information, you will find the remaining payment terms for each loan on the left as your scroll down the page. I hope this was helpful to you. Effective XX/XX/2019, the payment address for U.S. Department of Education ( ED ) loans we service will be : Department of Education, Student Loans, Navient XXXX. XXXX XXXX XXXX, OR XXXX If you use a bill pay service to send your ED payments to us, please update your service to ensure no delays in processing your payment. We're here to help If we may be of further assistance, visit us online or give us a call at XXXX, Monday through Thursday, XXXX XXXX. to XXXX XXXX., and Friday XXXX XXXX. to XXXX XXXX., ET. Sincerely, XXXX, your Navient Email Representative Navient - Department of Education Loan Servicing ================================= I want to emphasize that this complaint although sounds petty, it's incredibly frustrating at how it seems that NAVIENT is motivated by changing the design of their website to ensure that I spend as much time as possible accumulating interest on all my loans. I understand that this will probably not lead into any actionable complaint, however I have reasonable suspicion that NAVIENT is not interested in transparency of my repayment options but instead motivated to make my loan details harder to access. Admittedly, I am mostly motivated to finish repaying my loans so that I no longer have to deal with this company. One could call that a mutual compromise. Thanks to whomever is reading this. I appreciate all that you do! | ||||||
| 04/29/2019 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX XX/XX/XXXX RE : Navient Account Dispute To Whom It May Concern : My name is XXXX XXXX and I had a private student with Navient. It originated in XX/XX/XXXX and became default on XX/XX/XXXX. XX/XX/XXXX, I became disabled due to XXXX XXXX XXXX. When I learned about my disability I immediately informed Navient. They did not offer any resolution, so my account continued to accrue additional fees. It was charged off on XX/XX/XXXX and sent to XXXX XXXX XXXX in Illinois. I called both Navient and XXXX XXXX XXXX today and was immediately given the run around. I called Navient to see if the statute of limitation had expired on my loan and was immediately put on hold. When they returned they immediately referred me to XXXX XXXX XXXX and the credit bureaus. Below are the detailed summary of each interaction with each Navient and XXXX XXXX XXXX customer service representatives that occurred today. Called XXXX XXXX XXXX and spoke to XXXX at XXXX XXXX and he refused to give me the status of the statute of limitation on my loan and referred me back to Navient to get that information. Called Navient and spoke with XXXX at XXXX XXXX and she refused to give me the status of the statute of limitations on my loan and said that the credit bureaus would be the ones who could remove it from my credit report and provide the status of my statute of limitation on my loan. Called Navient at XXXX and the rep referred me to the credit bear urea and refused to give me the status of the statute of limitation on my loan Called Navient and spoke to XXXX at XXXX who refused to give me the information that I was asking for, after pressuring he said the statute of limitation on this account was not active, but it will be as of XX/XX/XXXX. It was charged off on XX/XX/XXXX and its 7 years after that delinquent date. So, I decided to call back to verify that information and was told the following below. Called Navient and spoke with XXXX at XXXX XXXX who referred me back to the credit bureaus and refused to give me the status of the statute of limitation on my loan. Called Navient and spoke with XXXX at XXXX XXXX and was told that the account is not a-part of the statute of limitations because its in Missouri. I pushed further and was put on a long hold. She came back and asked me if I have spoken to the state of Missouri. I told her I have and questioned why was she inquiring about that, rather than providing the information that I requested. Navient and their treacherous acts and policies are causing borrowers like myself a whole world of credit problems. My loan should be removed from my credit report since the statute of limitation has passed. This account is over 10 years old and they are still reporting on my credit report that I am late. As I told Navient and the collection agency that has the loan now. I am currently getting social security because of my disability. Can you lease assist me with get the true status of the statute of limitations for my loan. The XXXX XXXX XXXX account number is XXXX. Thank, XXXX XXXX XXXX | ||||||
| 06/23/2017 | Yes |
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| I checked my statement on 6/23/2017 because I knew I had a payment due on 7/3/2017. My payment was XXXX higher than it had been previously. I have 2 loans with this servicer, both of them have been in an interest only repayment plan. The most recent statement, published on XXXX/XXXX/2017, noted that the repayment plan on XXXX of my loans would end on XXXX/XXXX/2017 and noted the amount it would increase to. When I called my loan servicer about this amount, I was told that it was actually the OTHER loan that would increase after XXXX/XXXX/2017. This other loan was NOT noted on my statement as the loan that would increase. They claimed they sent a letter to me notifying me of this change. I never received this letter. They cited an old address that they sent it to. I corrected the address and asked them why they did not send me this notification via email, like they normally do. They normally do not send me these notifications in the mail. I usually receive notifications of loan status/amount changes in my email inbox. They did not have an explanation for this. The man I spoke with on the phone proceeded to lecture me about my responsibility to pay back my loans. I told him that I would pay what I could but that I was not comfortable with the lack of accurate communication about my payments increasing. He then asked about my co-signer and if my co-signer ( who is my mother ) would be able to help me make payments. I told him I did not think so. I wanted to see if we could come to an agreement about a payment that works better for me at this time. My loan has increased at least twice in the past year. Once because of an interest rate change, the second time my loan increased around {$10.00} and I did not receive proper notification, but overlooked it because it was only a small increase. I probably should not have ignored that, but I ca n't go back and fix that now. This time it 's increased again and it 's almost {$100.00} more than what I 've been paying monthly since the last {$10.00} increase, and I can not afford a payment that is almost {$100.00} more than the payment I have been making. I 'm at my wits end with this loan servicer. They have terrible communication, terrible customer service, when I call in no XXXX seems organized enough to know anything about what anyone else already knows about my account, and they continue to raise my payments when they know I can not afford to make more of a payment than I already make. I have other loans and other obligations outside of this loan. THey are unreasonable and a pain to work with. The man I spoke with on the phone today spoke to me in such a way that it made me cry ... ..I have NEVER had such poor customer service. I have never had anyone from customer service speak to me in such a way that made me cry. I do n't know what else to do. I can not afford to have my payments jump higher and higher without proper advanced notification of the rate change so I can plan my finances accordingly and the bullying I get from customer service when I call about the changes and question the changes is over the top. Please help. | ||||||
| 10/03/2022 | Yes |
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| I contacted Navient on XX/XX/XXXX and spoke its representative, XXXX, at telephone number XXXX. She reviewed the account stated that she would send me the loan information by mail including the promissory note. I informed her that I had submitted a CFPB complaint in XXXX and XXXX and had received responses from Navient stipulating the loan was put on hold due to a bankruptcy lawsuit in XXXX. She mentioned that the loan was initially {$7000.00}. It has ballooned to {$18000.00} since it has been on hold in Navient 's bankruptcy lawsuit by other plaintiffs. XXXX also mentioned that the forbearance interest grown within that 9 years should've been assessed based on the filing of bankruptcy by the borrower, and I have never filed for bankruptcy. Navient has not explained why it put this account on hold for 9 years on a bankruptcy lawsuit hold and allowed it to grow in high forbearance interest. XXXX with Navient on XX/XX/XXXX told me that she would send a credit retraction to the credit bureaus after collecting {$1200.00} from me to bring the account up-to-date -- after I had not been informed of when the account would be out of the bankruptcy lawsuit hold that Navient placed the account in for 9 years. Navient debited the {$1200.00} from my bank account but has apparently deleted the record from their system of XXXX 's planned credit retraction with the credit bureaus based on my conversation today with another Navient representative. I have been getting the runaround from Navient 's Customer Advocate, XXXX XXXX, XXXX XXXX XXXX. I have several email communications with her where she instructed me to call her at a given number, but upon my call, she was not listed in the Navient system by the name she provided ; so the representative initially could not find her ; after several attempts by the Navient rep, he was able to contact her, but she would not take my call on that day. She responded to my email stating she had technical problems but gave me a time and date she would be available to call me, but, again, she did not call me on the date and time she selected. I sent her another email about missing the appointed time/date ; she emailed me back and gave me the same story about technical problems. This has been going on for 2 weeks with XXXX XXXX avoiding my calls or blatantly and deceptively giving me the runaround. XXXX XXXX and Navient are acting like they are above the law. And after being sued by multiple plaintiffs and after a 39 state attorney generals lawsuit and settlement for predatory lending practices, Navient continues to behave in a disreputable manner. Navient through its representative, XXXX XXXX, are abusing their power as holder of this forbearance loan. Navient has not retracted the late status with the credit bureaus as promised after collecting my payment for {$1200.00}. I would like this published widely and for the record. The credit bureaus should retract Navient 's late status on my credit report. Navient should be held to account for this financial abuse and should not be allowed to punish people for filing a CFPB complaint against them. | ||||||
| 09/24/2018 | Yes |
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| Late fall of 2016 I was finally working after being unemployed for over a year. During my unemployment I was constantly making efforts to pay my debt to Sallie Mae. I always made a payment even if it did not cover the entire amount. In XX/XX/XXXX/XX/XX/XXXX of XX/XX/2016 I was contacted by phone several times for payment. One time I was able to pay monthly payment in full and the next time I was not. I explained I was working two jobs and was willing to give a partial payment so as to not fall delinquent. The representative on the phone, who I have forgotten her name, stated she could not take any payment less than the full amount or if I wanted to avoid collections to pay a settlement price of XXXX. I was sure to tell her that I wanted to make some sort of payment and that in no way was I gong to be able to pay the XXXX settlement amount. She then stated " is there a family member, a friend or could you go to the bank and get a loan for the amount? '' to which I replied " if I had XXXX sitting in an account somewhere I would not be asking to make a partial payment. '' She continued to tell me she cant take any payment but the full amount of the settlement amount. I again responded with I can only offer partial payment. She then proceeds to tell me she will not be taking any payments except those two options. When I told her I couldn't do either. she informed me I would most likely go to collections and my credit would be ruined for a long time. I again stated I didn't want that to happen that was why I was offering something rather than nothing. She again refused and I ended the conversation. Fast forward a few months and I was contacted by XXXX XXXX. I immediately explained my situation and set up a payment plan, auto payment each month and I am in good standing currently. As of this morning I again reached out to Navient who told me there was nothing they could do for me to remove the credit rating issue off the report and there was no longer a settlement option available to me. I again asked to speak to a person who could possibly make a decision regarding removing the credit damaging status and XXXX the representative said there was nothing that could be done until the amount was paid off and it would continue to be reported to the credit beaurea until it was paid off. I again asked for settlement possibility and she informed me to call XXXX XXXX. I find this extremely frustrating and infuriating because I have been willing and able to make some sort of payment all along and refused that option. Then I try to make attempts and I get punished with only two options that were no realistic at the time. Currently I am up to date, never miss payments, and feel like Navient is impossible to work with. I don't know what you or anyone can do about this. I am recently married and trying to buy a home and because of Navients reporting I am not able to get pre-approval of any sort. Again I don't know what solution you can provide but all I want is to have the collections status removed from my credit report. I will continue to make my payments timely without issue. | ||||||
| 02/19/2016 | Yes |
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| I attended XXXX University XXXX in XXXX XXXX. I have discharged the alleged debt/loan according to Public Law 73-10, Article 6, and Article 1 Section 10 of the United States Republic Constitution. XXXX/Navient still says I owe. I have no money to pay and no job to receive any money from. SallieMae/Navient are now in default because they Acquiesced for failure respond when I asked them to prove the debt- over a three year span. A debt tendered and refused is a debt paid. XXXX took my signature- promissory note and tried to create a legal Security out of it, but they were n't able to perfect the lien due to fraud against me. I was unaware of this fraud, they bundled my promissory note with other alleged borrowers, they created a trust and did n't fully securitize it by selling it on the open market. They have been harassing me over three years over a debt I do not owe and will not prove that I owe. The Accuser/corporate agent/public servants EIN # XXXX, Commission File Number XXXX-XXXX/Navient harassed me at my job, my cell and home. Proof of fraud attached. I did everything & stayed in honor ; XXXX/Navient Agent ( s ) rejected every attempt to clear this up. My alleged debt/loan has been discharged since 2013. Please everyone, before you sign on the dotted line with XXXX XXXX/Navient, buyers beware. My forensic audit, certified auditor 's report reveals no registration or license to operate in XXXX, I am depressed and ca n't get to sleep at most nights. Chain of Transfer of Receivables : Student Loan borrower an Undisclosed Third Party- Notwithstanding the terms within any purported Student Loan borrower Agreement ( s ), it appears that the Student Loan borrower is an undisclosed third party to the foregoing investment Trust in a quasi-contractual arrangement by way of the aforementioned statements made in the Prospectus. Moreover, the Student Loan borrower may have an adverse claim to any proceeds made by the Trust from the unauthorized use of the Student Loan borrower Receivables, as the Trust may be liable for certain violations of consumer protection laws that apply to the Receivables, either as assignee from the Depositor ( s ) with respect to obligations arising before transfer of the Receivables to the Trust or as the party directly responsible for obligations arising after the transfer. In addition, an Account holder ( Student Loan borrower ) may be entitled to assert such violations by way of set-off against the obligation to pay the amount of receivables owing. ( See UCC 8-102 ( a ) ( 1 ), 8-102 ( a ) ( 9 ), 8-105, and 8-302 ( 2 ) ) ; Lack of Capacity -The XXXX XXXX search results confirmed that XXXX XXXX XXXX , XXXX XXXX , XXXX , XXXX XXXX. Lack of Capacity-The XXXX XXXX search results confirmed that XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX lack the required registration and licenses to conduct business in the state of XXXX. Without the proper registration with the Secretary of State, the foregoing entities would be barred from instituting any forthcoming legal proceedings against the subject Student Loan borrower. | ||||||
| 03/05/2017 | Yes |
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| On XX/XX/2017, I made a {$1000.00} credit card payment to my student loan provider, Navient ( ex XXXX ) and asked the customer service rep. to cover the total amount due ( {$580.00} ) and apply the amount left over ( {$410.00} ) to a specific loan, since that loan has the highest interest rate ( 4.25 % ) and it 's the smallest loan. Mysteriously, the amount left over was not applied to that loan, but rather to the largest loan ( {$32000.00} ) I have with the highest interest rate ( 4.25 % ). I pointed out the problem from XX/XX/2017 to another rep. on XX/XX/XXXX and she told me that the reallocation of {$410.00} from the highest loan to the smallest loan would be processed by XX/XX/2017. I messaged Navient 's live online messaging service on XX/XX/XXXX to explain the problem and the rep. told me that they were looking into it and that it should be reallocated by the following week. On XX/XX/XXXX, I called to yet again follow up and also make another payment, but nothing regarding the misallocation from XX/XX/2017 had been done. I received no correspondence regarding this matter. I pointed out the problem to another rep. this time and he told me that the reallocation of {$410.00} from the smallest loan to the largest loan would be processed at the latest by XX/XX/2017. On XX/XX/2017, I called yet again regarding situation from XX/XX/2017 and also to make a further payment. I explained the situation to yet another rep. and received his permission to record our conversation, and then made a payment with him. After the payment, he transferred me to a manager, XXXX. He denied me permission to record our conversation. I was very distraught and explained to him why I was upset. I then threatened legal action and to write a formal complaint to the Consumer Financial Protection Bureau if I did n't receive some form of written correspondence telling me they were dealing with the situation by the end of that day. He acted tough and told me that the " Monetary Department '' dealt with these matters and that no one from that department was in. I was on the telephone for 2 hours as both he and and the other rep. put me on hold " looking '' for someone. After that phone call, the situation turned extremely weird. When I went to log into my online Navient account an hour later, the access was denied and I had to " re-register '' with a new login-name and password. After re-registering, I noticed that, although I made a payment on that day ( XX/XX/2017 ) totaling {$700.00}, that sum was also never applied to my loans and the amount of my smallest loan actually increased by {$240.00} ; my payment " disappeared '' and I have no idea what the increased amount of {$240.00} is. What happened here? Even though I CONTINUOUSLY call and ask for clarification, my requests are met with a lack of accountability and customer service representatives who seem to lie about my situation. I want to know where my money went and why more money has been added to one of my loans. I can prove all of this, since I record all correspondence and take before and after screenshots of my payments. | ||||||
| 01/08/2020 | Yes |
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| Key Info : There are 6 loans in total Three loans have a co-signer, who is my Father, XXXX XXXX I pay the 3 loans that don't have a co-signer via automated payments through my bank My father pays the other three through automated payments through his bank Key People : XXXX XXXX, payee. XXXX XXXX, cosigner XXXX XXXX, Member of the Office of the Consumer Advocate XXXX XXXX, Employee ID XXXX, Supervisor in Private Collections For the better part of a decade, our loan payments have been misapplied by Navient Billing, resulting in phone calls, voicemails, letters and emails notifying us that we are past due, deliquent and at risk of default and collections. I have been working with the Office of the Consumer Advocate to try to determine why and how the payments are continuously misapplied. We have been repeatedly told that we are sending payments to the wrong address ( despite these payments being sent electronically ), that they are going to the wrong account numbers ( these are supplied by Navient, and as of today we discovered that the acct # my parents use is incorrect. We were never notified that it changed ). The account number issue was brought up by XXXX XXXX today, XX/XX/XXXX. The originally account numbers aka loan group numbers, were set up over 5 years ago. We have also checked and verified that all mailing addresses are correct. XXXX XXXX has recently been assigned to managing my account without my notice and without explanation. This began on XX/XX/XXXX. She has consistently failed to respond to emails and voicemails and does not answer her phone when called. She has failed to consistently reapply payments in a timely manner, resulting in renewed threats of default, despite numerous notes in our account that billing and collections is not to contact my parents at the very least. We are consistently given changing information. No call to the Office of the Consumer Advocate provides the same information, and it is difficult to get responses at all. They claim repeatedly that they have " investigated '' the account, but have not ever produced findings to explain why this keeps happening, or how they will resolve it. I have filed a formal complaint with their office, and have been told they will respond in 2-3 business days. They are unlikely to do so based on their current behaviors. This will result in a daily complaint filed with the CFPB until this is resolved in finality. We are currently unsure that we can trust that the total loan amount we owe is accurate because payments have to be reapplied so often, late fees are applied then removed, and all of this effects the actual accrued interest on the loans. My suspicion is that we will likely be paying far more than we have to due to miscalculated interest and misapplied payments. Due to all of the above issues, we do not receive accurate and correct billing statements, and have not for many years. I have repeatedly asked for updated billing statements after payments are reapplied, and have been promised them but never received them. When I follow up on this, I am told " we don't do that. '' | ||||||
| 10/01/2019 | Yes |
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| After a long career in the XXXX XXXX my daughter was seriously ill and had a chronic illness I resigned from my job and went back to school. I graduated from the University XXXX XXXX in XXXX with a XXXX XXXX in XXXX XXXX during that time I was also working for the XXXX XXXX program a XXXX XXXX and XXXX program for XXXX children in the XXXX XXXX XXXX XXXX as a XXXX XXXX and XXXX XXXX. I also worked for XXXX XXXX Program which was an XXXX XXXX XXXX for children in the XXXX XXXX XXXX for XXXX children as a XXXX XXXX. After I graduated I started receiving notices that I had student loans I contacted the Department of Education because I had heard that if you work for the XXXX or if you were working in a Job that you received your degree in that you could have your loans forgiven. I contacted the Department of Education got all the paperwork submitted it to the Department of Education I received notification from them that I was not eligible because I didnt meet the guidelines ( which I do not have the information at this time anymore because it's been so many years ) it was not explained clearly to me the guidelines and they never sent back my paperwork nor did they respond to any more of my letters requesting the reason why. I contacted the school and was told that it was for doctors, students oversees, and foreign students but the dept of education was saying it was for all students. But I decided to submit the paperwork again and I told them it was wrong and that the school told me about this and I wanted to know why I could not get the forgiveness. Then several years later I heard about this program again and also heard that the Department of Education was dismissing student loans I reapplied again to the Department of Education for the dismissal then I received a letter ( XX/XX/XXXX ) from the Department of Education saying that I had no student loans which this letter I do have. I retired XX/XX/XXXX and in XX/XX/XXXX I started getting letters and information from the list of companies listed below. US Dept of Education Fiscal Service, XXXX XXXX XXXX XXXX, US Dept of Federal Offset Unit, XXXX XXXX XXXX, Navient XXXX XXXX , XXXX, US Dept of Education Recovery , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XX/XX/XXXX my bankruptcy was discharged and no one came forward to say anything about these loans but I did get the letter XXXX saying I had no loans I'm confused on what is going on it has been over 17 years and they are doing this I am on a fixed income and retired and now someone is taking money out of my retirement ( the amount keeps changing ) I called each company they say its not them I called the department of education they say call the company but in the mean time they are taking the money from my retirement check and no one wants to help me or answer questions I have. This situation has caused me a very bad financial hardship. I have tried to get this resolved and no one wants to help me no one is giving me answers but they keep taking the money which has now caused me a Financial Hardship. I am XXXX years old retired and need your help. | ||||||
| 10/27/2017 | Yes |
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| My name is XXXX XXXX and my social security number is XXXX. On XX/XX/XXXX I called Navient to get more information on my loan payment history. I downloaded the XXXX spreadsheet of ALL transactions in the entire life of the loan since when I took the loan out in XXXX. I called Navient and was transferred to 8 different agents and departments. No one could explain to me WHY I have been charged different interest and fee amounts since the loan start date in XXXX. No one could tell me the total interest amount I have accrued since the start of my loan, no one could tell me the total fees I have accrued. The most important thing is no one would tell me WHY these charges happened. All reocrds I have access too do not disclose this information. They simply say the amount I was charged, but not the reason. I calculated all payments I have made since XXXX and I have paid MORE than the original amount of the loan. and I still have 90 % of the principal remaining. The interest I have accrused and paid off DOES NOT add up with the interest rate I agreed to pay. The agent named XXXX ID # XXXX yelled at me over the phone telling me if I want this information then Navient will put in a request for research and more information. He said Navient could only provide records of my loan history but not the reasons WHY I have these charges. He continued to yell at me saying " everything was in the loan agreement and terms when I signed the agreement in XX/XX/XXXX''. He yelled at me saying I need to go back and read the fine print. He yelled at me saying my account is overdue and he does n't need to answer any questions until I pay the 2 payments I 've missed. I continued to say that I am the one who has been calling Navient, I am the one calling to pay off my loans, I am the one who is TRYING to resolve this. I just need more information to understand these charges. To date I have paid exceedingly over the original amount borrowed. It has been 7 years since I took out these loans, the loan interest rates range from 6 % -11 %, how could the interest EXCEED the original amount I borrowed within 7 years. He yelled at me saying the interest rate fluctuates depending on the economy and this is all in the fine print of the agreement I signed in XXXX. Navient is facing MANY class action suites for this EXACT issue. Charging borrowers with NO explanation knowing the process to obtain records is time consuming and very difficult. I have to be on the phone for over one hour, I was yelled at violently, and in the end I will never know if my request for information was sent. He said Navient must " research '' and they 'll mail me information sometime in the next several weeks. I believe I am being scammed and I want every single fee. every single interest charged to be justified. Navient has been aggressive, inhumane, and unjust ever since I took out these loans in XXXX. I am motivated to settle these loans ONLY AFTER navient explains why every single fee was charged and every single interest charge was accrued since the amount does not make since to the interest rate I agreed to in XXXX. | ||||||
| 02/07/2021 | Yes |
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| I received my XXXX degree 1998 from XXXX XXXX, funded in full by student loans. Unfortunately, my degree didn't quite prepare me for a future XXXX XXXX XXXX, and I had to take some additional coursework in order to enroll in the XXXX XXXX XXXX XXXXere in XXXX XXXX XXXX XXXX XXXX, again adding to my growing student loan balance. Upon enrolling at XXXX, I was advised that I'd be eligible to apply for Teacher Loan Forgiveness after 5 years of teaching as a Special XXXX in the XXXX XXXX XXXX XXXX. I am sure you can only imagine my disappointment when I received a notification from Sallie Mae that my application was denied due to the type of loans I had, and the date they were taken. When I received the rejection letter I reached out to Sallie Mae and the Dept of Education and both failed to give any guidance on how to best handle the situation or to help get me on the right payment plan. No one ever suggested that I consolidate my loans into federal loans, and no one explained the type of loans. In fact the Dept of Ed suggested I might qualify for Public Loan Forgiveness which I now know that the type of loans I hold, would have also made me illegible. To add insult to injury I was laid off by the XXXX on two separate occasions. Feeling disenfranchised by the lay-off 's and the loan forgiveness rejection, on top of having two small kids that required me to have stable employment, I left the field. My loans have remained in deferment, accruing more and more interest. The minimum payments have not been affordable and my student loan balance is now greater than our mortgage balance. At this rate, these loans will likely outlive me. I have reached out to Navient who now services my loans on multiple occasions for help with my payment and have received virtually no support. It was only when I reached out to find out why my loans weren't receiving the CARES program benefit of 0 interest that I was told my loan type was not eligible and that I would have to apply for a direct consolidation first ( now adding more interest to the loan ). Out of desperation I reached out to the executive team at Navient explaining my situation in hopes that they might work with me to restructure these loans so that I can begin to pay them off and they did nothing. I also filed a complaint with the office of the Ombudsman but that was closed, only referring me back to Navient. I also emailed XXXX and have not heard back. In addition, I filled out the application for Borrower Defense as I feel I was really misled about the type of loans I have, misled about the promise of loan forgiveness, and about my career potential in the field. Given the dates I received both degrees, I think that I am outside the statute of limitations here. Most recently I discovered that XXXX XXXX owns my loans and I reached out to them to see if they could offer any help in restructuring these loans to help with the accrued interest, given my circumstances. While I understand I took out these loans, I had no say in who owned them. I am really at a loss as to what to do here. Any help would be appreciated. | ||||||
| 10/25/2019 | Yes |
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| Navient offers a 1 % reduction on interest to certain government loans after at least 24 months of consecutive monthly payments. On XX/XX/XXXX, I was reviewing my Navient account and noticed that the interest rate reduction benefit for 2 of my eligible XXXX loans had a note stating " Reinstatement pending ''. I immediately questioned why it would have been suspended in the first place, as I had been making consecutive monthly payments and was receiving the 1 % interest reduction benefit prior to XX/XX/XXXX, at which time I became a XXXX XXXX XXXX at XXXX XXXX University until XX/XX/XXXX. When I resumed making my consecutive payments in XX/XX/XXXX, the 1 % interest reduction should have simply continued. Problem # 1. When I contacted Navient Customer Service to inquire about the discrepancy, they confirmed that I hadn't defaulted on any payments since XX/XX/XXXX, however, their system indicated that I had defaulted on a loan back in XX/XX/XXXX. However, at that time I was enrolled full-time in XXXX XXXX so my loan payments should have been in deferment. But they weren't. Problem # 2. Even if I had defaulted in XX/XX/XXXX, which I didn't due to my XXXX XXXX status at the time, my 24 month history of making consecutive payments from XX/XX/XXXX through XX/XX/XXXX, at a minimum, their system should have reinstated the 1 % interest reduction as of XXXX, however a month after Navient confirmed that they would fix the error within a 24-48 hr turnaround, it still has not been fixed. Problem # 3. I've spoken to 4 different customer service representatives at Navient since I first reported the issue on XX/XX/XXXX -- -XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX a supervisor at Navient 's Education department who I followed up with XX/XX/XXXX ) confirmed that I was supposed to be in deferment, as there was a note in their system from XX/XX/XXXX showing that I was a XXXX XXXX XXXX attending since XX/XX/XXXX. However, upon further research XXXX confirmed an additional note in the system from XX/XX/XXXX showing that I was a XXXX XXXX but " not attending ''. And a subsequent note in the system from XX/XX/XXXX showed that I was indeed a XXXX XXXX attending. On my call with XXXX on XX/XX/XXXX, he stated that he would research the discrepancy and call me the next day with their results. I never received a phone call. On XX/XX/XXXX, I spoke with XXXX, who asked me for proof of enrollment at XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I provided it. He confirmed that he had received the document, but could not confirm whether they would apply my interest rate reduction retroactively. He also could not confirm when I could expect a response from them. I have informed Navient that while determining the amount of retroactive interest that I am owed is important, what's even more time-sensitive is ensuring that they cease charging me the higher interest rate immediately, as I intend to continue making timely monthly payments. I am not confident that Navient will work with me to achieve a timely resolution and therefore I am reaching out to CFPB to help intervene. | ||||||
| 03/03/2018 | Yes |
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| Navient ( a.k.a. - XXXX XXXX ) has been nothing but trouble from the beginning. I have repeatedly told them that I live on very meager Social Security XXXX Income ( for my XXXX XXXX ) - which is a Fixed Income, but they rarely honored our agreements unless I was able to get a lawyer ( or someone else ) to help me reason with them, as it is like talking to the wall. I have told them a number of times over the years that I can't afford a repayment plan of more than {$60.00}, but they have set their current online platform on their website to the point where they're trying to force me to pay more than {$100.00} - an amount I have repeatedly told them I can't afford. A few years ago, one of their representatives tricked me into paying an amount I couldn't afford then, when I had no money in the account, by lying about when the money was going to be processed ( after he had manipulated me into giving out the details of my debit card ) and resulting in a {$100.00} overdraft in my bank account. Navient doesn't seem to care that people ( like myself ) who live in poverty level need money for food and other things - I can't even afford a car, and they threatened to " seize my assets '' at one point, when I don't even have anything for them to take. I always have to fill out their Income-Based Repayment Plan every year, but it is not being honored for the most part - I told one of their agents about a week ago that I can't afford more than {$70.00} at this time, and the impression I got was that the amount was NOT going to be raised. Now I can't even pay the amount we verbally agreed to that time - they made the system try to force me to pay {$140.00} just now, tackling Late Fees into it as well. I have repeatedly told them that I can only pay a certain amount, which is NOT {$100.00} or more ( as is evidenced by the enclosed letter I wrote to them, the facts of which I have repeatedly told them over the years, but which never seems to get honored ), but now they've set up their system to not allow me to manually enter in the amount I CAN pay. Plus, one of their agents has the habit of harassing me on the phone every 10 minutes ( also evidenced by one of the enclosed letters with this complaint ), after they agreed not to do such a thing - and after I put my phone number on the Do Not Call List. She has harassed/threatened me on the phone repeatedly, and when I try to call back, doesn't listen to anything I say. Make Navient honor their agreement and stop threatening their borrowers - I am one of the few that is able/willing to pay what I can every month, but it seems like every time I try to do that, they make it impossible to do so. I am currently an XXXX XXXX and have just recently found out that I'm supposed to be eligible for " Student Loan Forgiveness, '' based on my year of service, but when I called to tell Navient that, they didn't listen and continued to make unreasonable demands. I demand that they be held accountable for the hours and amounts of suffering they're causing their consumers, especially with their " Bait and Switch '' methods on the loans. | ||||||
| 06/01/2021 | Yes |
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| I am contacting you because I noticed that Navient has significantly extended the payoff date of each of my federal loans ( and significantly increased the total payoff amount of each of them ) after I opted in to the COVID-19 administrative forbearance. After deciding to take advantage of the administrative forbearance in XX/XX/2021, I noticed that payoff schedules for all of my loans were significantly extended, resulting in much larger total payments. For example, there is one loan for which I should have 18 more months left of payment ( or 24 months if I include the forbearance period ) and for which I owe around {$2600.00}. However, my account now reflects that I have 32 more months of repayment resulting in a total of nearly {$4600.00}. Another one, in which I should have 12 more months of repayment ( 18 if counting the forebearance ), now shows a payment schedule of 25 more months. The total balance on that loan should be around {$2100.00} but the new payment schedule would have me paying {$5600.00}. Similar discrepancies are reflected on all of my federal loans serviced by Navient. There is no reason that this should be the case given I was paying all of the loans consistently up until XX/XX/2021, had already paid off interest on the affected loans, and those loans have been on a 0 % interest rate for over a year now due to the COVID-19 emergency relief measures. I requested that these errors in my estimated payoff schedules be corrected and received three different responses from three different Navient representatives. None of the responses is satisfactory. I spoke to one specialist on the phone who stated that my loan terms had changed since I had changed my payment plan ; however, my payment plan has been the same for several years. Another specialist who replied to a written complaint said that Navient would not be able to update my account and reflect the proper payoff schedule while my loans were in the administrative forbearance. This doesn't make sense as it would mean that Navient effectively stops servicing the loans by providing up-to-date information on their status during this period. And a final one indicated that postponing my payments would inherently extend my projected payoff date, resulting in a higher payoff amount. However, that response doesn't explain why the loans would be extended for multiple times longer than the requested forbearance period, with the result being several thousands of dollars inexplicably added on to the total amount due. I wanted to report my concerns around this development since the inaccurate information impacts my eligibility for an employer-paid loan repayment program that I participate in. I also recognize that I am uniquely able to track these bizarre changes because of the record keeping that I do for that program. I suspect that other borrowers would not have historical information about their loans that would enable them to see how dramatically and arbitrarily their payoff estimates have increased just by moving their loans into the administrative forbearance from one day to the next. | ||||||
| 09/21/2021 | Yes |
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| On XX/XX/XXXX : I received a direct to voicemail call from a XXXX area code number. This number is XXXX. Phone records will indicate I have a XXXX area code phone number. I am originally from XXXX XXXXXXXX XXXX but currently live in XXXXXXXX XXXX Listening to the 48 second voicemail, it was not someone from back home. It was Navient calling to try to get a payment out of me. Navient and personal banking records indicate {$150.00} payment was made in XXXX with emphasis towards most delinquent loans. This indicates the company is spoofing numbers with the intent to obtain anything of value. Under FCC laws that is illegal. I then received a restricted phone call : It was Navient again. When asked why they used a XXXX number she said it was the address they have on file. Wrong they have a XXXX address on file. Last month they sent in certified mail a copy of my promissory notes. Then she said the company is based in that area. Wrong again. The company 's address listed on certified mail is po box XXXX XXXX XXXX, XXXX address with a XXXX area code. This is also the address on file with the XXXX XXXX XXXX. Then I heard kids in the background and questioned why I was hearing things in the background and she hung up. Also, according to President Joe Biden, a freeze on federal loans was extended in XXXX through the end of XX/XX/XXXX. My federal loans are in Navient as well. Part of a repayment program I signed up for, my federal loans were consolidated into my private loans. So, this leaves the question if my federal loans are attached to my private loans then shouldn't I also receive a freeze on having to make payments through the end of XXXX? And if so, then isn't it illegal for a company to harass me the way Navient is? This is the second time in a week they have harassed me. They went as far as contacting my mother. When I asked them several months ago to remove all other contact information from my account except for mine. They are mishandling my account. This all started last XXXX. I had autopayments going through using my debit card. However in XXXX of last year my debit card expired. I forgot to contact them with a new card. According to their team who has told me in a recorded line and also it states in writing per the company 's website : they will contact the individual 30 days after a missed payment. However, they did not contact me until XXXX when my account went into collections. Also, I have asked repeatedly for the contractual agreement for the automatic payment program I was on. They have yet to provide that information. Over a recorded line four years ago, I agreed to an automated teller who rattled off an agreement to have payments automatically taken out. If an automated teller has recorded that then it has to be in writing somewhere. I am entitled to a copy of that agreement. But have not received a copy of that agreement. When you agree to the terms and conditions set forth by companies like XXXX you are able to receive a copy for your records. I still have not been given a copy of that agreement however I have asked several times. | ||||||
| 05/25/2022 | Yes |
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Web | Servicemember |
| In XXXX, XXXX, XXXX XXXX, manager at XXXX XXXX XXXX XXXX, contacted me repeatedly to collect my student loan debt from their said client, NAVIENT Solutions, who held my student loan. XXXX proposed a {$9000.00} settlement from me on my loan of {$38.00}, XXXX balance, at that time ( it has since accrued over {$2000.00} in interest with my current loan holder, XXXX ). XXXX and I went back and forth several times on the phone negotiating terms. We discussed my financial and personal stressors affecting my repayment at that time ( to include me being between jobs from the XXXX XXXX XXXX ending in XXXX, my father unexpectedly passing away in XXXX, joining the XXXX that XXXX, and having moved unexpectedly three times already that year with more major moves to come ). She offered a lower settlement amount so I could begin paying on it before I left for basic training that XXXX where I would be non-reachable for three consecutive months. She agreed to a {$2000.00} total amount paid in 6 installments to XXXX XXXX XXXX to settle my entire student loan held by NAVIENT Solutions. I agreed and paid the initial payment of {$330.00} on XX/XX/XXXX with the remaining installments of {$330.00} due on the XXXX of each month thereafter. XXXX XXXX emailed me a document with the Settlement Agreement of these terms. I paid the entire settlement amount in full and in advance. However, I never received confirmation. I reached out several times to confirm but was unable to reach anyone. Other major life changes and additional losses took precedence and I moved forward. Early XXXX, I was contacted by XXXX who had apparently taken over my NAVIENT loan. The new amount ( with interest accrued from the past two years I assumed it was settled ) is now over {$40000.00} and due for payments in XX/XX/XXXX. I informed them of the previous settlement with XXXX XXXX. They had me upload those documents, but ultimately said settlements are not an option and XXXX XXXX was a fraudulent company. At that point, I contacted XXXX XXXX to get proof of my final payment on the settlement agreement with XXXX XXXX from XXXX. She was no longer with the company. The new manager, XXXX XXXX, told me my account was locked but he would work on opening it back up to email me proof of payment on the loan agreement. On XX/XX/XXXX, XXXX XXXX emailed me the document stating they were happy to let me know they received and posted my final payment from XXXX to my student loan account held by NAVIENT Solutions. It said once the payment was cleared, they would report to their client that my account was settled in full. His contact number was included ( XXXX ). The following week, I tried to arrange a three-way call between XXXX XXXX XXXX me, and XXXX. I called XXXX XXXX about a plan to coordinate this with them in the days to come. They have not answered multiple phone calls from me since that attempt to schedule the 3-way call. Their phone robot states it does not recognize my number and puts me on an endless hold. I have attached document of agreement, payment confirmation, and loan information. | ||||||
| 07/17/2019 | Yes |
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| I am on XXXX XXXX due to several health issues since 2005 and am completely unable to work. My only source of income is my Social Security XXXX check I receive on or about the XXXX of every month and can barely afford to pay my bills as well as purchasing food to eat. I am in severe pain every day and have no quality of life. I get at least 7 or more phone calls from Navient every day and have tried to work something out with them.but due to my loan being a Private one known as XXXX they refuse to work with me in any way at all, have no empathy or regard for their customers and have lied to me and deceived me for years about all kinds of issues related to my Student Loan which I have brought down to a balance of about {$10000.00} or very close to it. They just our right will not work with me in any way no matter what and was one of the people that was deceived by saying I could file for XXXXXXXX XXXX XXXX XXXX to get the Loan forgiven, even mailing me the paperwork that I filled out and promptly returned but when I asked about the status was told that they could not even find the paperwork and had no idea what happened to it. I continued to request Navient to send me the Loan Forgiveness due to XXXX XXXX XXXX XXXX at least 10 times or maybe more periodically but either failed to be mailed the paperwork or was lied to by being told that they could not find the filled out and mailed in paperwork I sent to them. They failed to be able to provide me with any kind of excuse of what happened to the paperwork I mailed them at all so I truly believe that it was either thrown away or shredded and will continue to believe that. I have been treated like trash and talked to in a very condescending manner as well as being told that they would not work with me. I know there have been many Class Action Lawsuits filed against Navient that I out of anyone should have been included in but I was never even notified, why? I have no idea at all but have been very angry about it because of everything I have been through with Navient! I live in XXXX, Tennessee and would like to file a Class Action Lawsuit of my own by myself because being on Social Security XXXX does not afford me the option of hiring an attorney to help me unfortunately. I am a very dedicated, intelligent and capable guy that pays attention to detail and am committed to filling out all the paperwork required, calling whatever resources I need to, meticulously reading and making positively sure that I do not miss one single detail I need to take care of to make sure I do this correctly. The only thing is I have never filled a Class Action Lawsuit before and need help making sure I do not miss anything as well as being very appreciative for any advice or information you can provide me. Here are some details of how to get in touch with me any any other information you may need. Thank you so much!! Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Tennessee XXXX Phone # : XXXX Email address : XXXX Or XXXX If you need any other information from me please feel free to ask. Thanks again!! | ||||||
| 02/06/2017 | Yes |
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Web | Servicemember |
| When I was a young XXXX. Sorry, I grew up in the XXXX so my learning curve was a bit higher than those with access to a normal environment, transportation, clothing, school supplies, etc. I was n't taught much about college where I grew up. I joined the XXXX when I was XXXX. I realized when I was XXXX that I could actually go to college and growing up less fortunate and in poverty does n't exclude you from college. That was about all I knew. I was still learning how to maintain my finances and everything else adult like. When I started looking for colleges I did n't know much about accreditations, etc. I ended up signing up for an expensive school that was for profit. They did their best to push loan after loan on me, then eventually hit me with the, " You ca n't afford school anymore and ca n't get more loans. Can you ask a family member? '' I asked my brother to cosign for me ONLY so I could continue with my schooling to hopefully make something of myself someday. Well years later my interest rates have gone from 1 % to about 9 % and I am in and out of school so these loans hit my credit whenever I am out for a month or more. Each time they drop my credit score drastically, which I am trying to fix ( post bankruptcy ). So this kills my chances of ever being a contributor to my economy, it prevents me from EVER being a homeowner. I ca n't afford to pay the loans as I have more than one, plus I was trying to finish school before paying them off. With my interest going up 8+ % it makes even harder to pay. If I could get my credit up I could refinance and or consolidate, but at this rate I will never be a homeowner. School is meant to be a precursor to the American dream, but our country has turned it into the American Nightmare. Granted, I could do better with my finances, but school payments come and go as I am in and out of school. My main issue is, why is something that is supposed to go towards improving your life, so often making my life far more difficult. I have been close to having a high enough credit to purchase a home, then school loans hit me. These CAN NOT be claimed on bankruptcy, they are n't good rates anymore. WHY CAN THEY AFFECT MY CREDIT SCORES? They do n't help my credit scores if I pay, but they can sure XXXX hurt them. This does not only apply to me, but also to my brother who was unlucky enough to co-sign for me. Our credit system is not in place to help the consumer, it is ONLY in place to help businesses and its complete and utter garbage. If you could fix our credit system and student loans the country would be better off. I am still waiting for something to be pushed through congress to claim school loans on bankruptcy because this is XXXX! My life is being made harder by going through college. Please stop allowing school loans to detriment my credit scores. It makes me want to never pay them as what is the benefit if they keep me from purchasing a house my whole XXXX life! And I am expected to pay them for 30 years at affordable rates?!!!!?!??!?!?! Please stop allowing school loans to hurt co-signers. | ||||||
| 08/04/2019 | Yes |
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| My problem is with a debt servicing company called Navient. I took out three parent student loans for my daughter. I was told at the time of each of the loans was taken that the payments wouldn't begin until some point after she graduated and that I would be notified of the payback start dates. After she graduated I was waiting to hear. I expected to hear from some place such as Dept of Education, FAFSA, FSA etc. I never heard from any one until early XX/XX/XXXX when I received a phone call from a place called Navient saying they were servicing my debts to the Dept of Education. They informed me that the payback period had started at the beginning of XX/XX/XXXX and that I was 90 days past due. I explained that I was totally unaware of this and had never heard of Navient and had never been informed of the start date. They said they would reset the start date for XX/XX/XXXX. In the meantime I happened to look at my credit report in preparation of a new unrelated loan I was considering taking. At this point I discovered that Navient had reported me as being 90 days past due on each of their three loans. The people who do the credit reporting at Navient do not take phone calls you have too send a letter. I sent a letter asking how is it right for me to be held responsible for being 90 days past due when I had never heard from them or anyone else prior to the XX/XX/XXXX phone call. They replied without response to the question only saying that the report was accurate. I tried talking to the people who take general calls but they are not authorized to make any decisions or corrections in the reporting area. I filed a complaint with XXXX XXXX and they contacted Navient who again stated that the report was accurate. I appealed to Navient with a second letter once again asking about the lack of initial notification and received the same response as the first time. All they were doing was sending notifications to me on their website but since I was totally unaware of them I had never activated this place on their site until XX/XX/XXXX Obviously my credit was good enough for them to grant the loans in the first place. In XX/XX/XXXX my score was XXXX. In the spring of XXXX it was in the high 700, s as I was preparing for retirement. That was the last time I looked at my score until XX/XX/XXXX when it was just barely above 600. Anyone with access can see that besides this issue with Navient there has never been so much as a single late payment ever or any other derogatory issue. It should also be obvious to Navient that I never set up my account with them on their website until after I heard from them in XX/XX/XXXX. They didn't have any problem getting a hold of me in XX/XX/XXXX why didn't I hear from them last fall to let me know it was to start in XX/XX/XXXX. I don't understand why its so blatantly obvious a mistake was made, they could retract the negative reporting with a couple of clicks, but refuse to do it. If you want to see any of the documents, letters or anything else let me know I'll be glad to send them, I have a stack a half inch thick. | ||||||
| 06/02/2016 | Yes |
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| I sent several emails over a period of 3 weeks requesting information for forbearance and payment change. I received no response. When I started making payments I saw a large amount of interest go towards principal. I called for a break down and they could not provide explanation over the phone and said I would receive the break down in 2 weeks. I did not receive it at all. My employer makes payments that should only go to interest. They were being applied to all fees. I called and asked that to be researched. They told me they were being posted incorrectly and it would be changed. When they made this adjustment they then also flagged me as past due and started charging me late fees. I called the first day the account showed past due and asked for details. I was told it was a mistake in how they made the adjustment and it would be corrected and would be completed in two weeks. When it got close to the end of the two weeks I reached out to customer service via email for an update as nothing was showing corrected. My email was not answered. I called for the third time and asked the status of my previous requests and customer service told me they did n't see any notes on my account and just went over my recent payments and told me they did n't see anything wrong. After I explained the full story again she placed me on hold and still said she found no notes on my account. At that point I asked for a manager and was told there was only XXXX and it would take at least 10 minutes to get him. While on hold she continued to come back to me and tell me I owed a payment and that nothing showed I did not. The late fees were valid. Even though when I had logged in before the adjustments it was not late, there were no fees. Another long period of time went by and then she told me she found the notes on my account. I still asked for a manager because I had not been provided a breakdown of interest to principal previously requested and the newest payment from my employer posted incorrectly. While on hold again she told me the manager wanted to call me back. I refused and waited. While waiting the manager was able to make time to correct my account to no longer show past due or have late fees. I told the rep that was not the only issue and there was still more needed. The entire experience is a Joke. I am not someone escalates to a manager but when I am told there are no notes on my account and told that nothing I was previously told was correct and that they can not prove where my employer payments came from but they did n't previously have that problem it is crazy. It also seems that while the manager fixed the account that they refuse to actually speak to me. They continued to just send the rep back over and over again to act like a puppet with what they are saying. I appreciate empowering the associate and having them de-escalate when needed. But when there are multiple issues and the rep is not understanding them or addressing them and over a 30 minute period the rep has to come back to me more than 6 times the manager should come on the line. | ||||||
| 11/14/2017 | Yes |
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| My student loans switched from XXXX ( Account # XXXX ) to Navient ( Account # XXXX ) in XXXX of XXXX. I recently tried to register my account online in XXXX of XXXX at Navient.com and I received an error message saying that it did n't recognize my information. I contacted Navient customer service on XXXX/XXXX/XXXX and spoke with XXXX. She stated that there was someone else 's name tied to my account. This is the reason why I ca n't register my account online. She reached out to their tech support and she said that it would be a 24 hour turn around. She stated that I should check back the next day and see if I could log in. I checked back the next day and it was the same error. I checked again the following day and the same error. I emailed the Office of the Customer Advocate on Thursday, XXXX/XXXX/XXXX, and informed them that I was attempting to register my online account and that I received an error message. I called the Office of the Customer Advocate on Friday, XXXX/XXXX/XXXX, and spoke with XXXX XXXX. She confirmed that when my records came over from XXXX they added an additional name to my account in error. She stated that this will not allow me to register my account online. She said that she received information from XXXX that day, as she was talking with me, confirming that I was the only borrower on the account and that all she needed was my Driver 's License sent to her via email and that she would get this corrected ASAP. She said that she would update me by email. I emailed her a copy of my DL that day. I received an email on, XXXX/XXXX/XXXX, stating that she called me and was n't able to get a hold of me. This was incorrect as I have n't received a call from them nor had I spoke with anyone since the prior Friday, XXXX/XXXX/XXXX. I have been attempting to register my account every day since and I continue to get the same error as before. On XXXX/XXXX/XXXX I decided to file a complaint with the Better Business Bureau. I received an email from XXXX XXXX on XXXX/XXXX/XXXX with Navients Office of the Customer Advocate stating that he was going to be corresponding with the BBB to resolve my concerns. I checked my case with the BBB ( Case # XXXX ) today, XXXX/XXXX/XXXX, and Navient responded to them stating that they would be corresponding with me to resolve the matter as of XXXX/XXXX/XXXX. I fear that this may not get resolved and that I may continue to get the run around. I just want to pay on my student loans with confidence that I wo n't be paying on someone else 's loan. I would like for them to resolve the issue with my account because I continue to receive notices from Navient and XXXX XXXX XXXX regarding my Navient account as I am past due. It has been three weeks and I am still having the same issue as day one. Can someone please see if this can be resolved swiftly? It will be hitting the 90 days past due mark on XXXX/XXXX/XXXX. This could have a negative effect on my credit. And, I definitely dont want any problems with the IRS due to my loans not being paid. Thank you for your assistance with this matter, XXXX XXXX | ||||||
| 04/13/2017 | Yes |
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| I graduated in XX/XX/2009. When my loans went into repayment, I was unemployed. Both myself and my co-signor were receiving incessant phone calls regarding payment and threats of credit reporting, lawsuits, and default. In order to avoid these issues, I was told I need to put my private loans into a forbearance. I was not provided any additional options including, but not limited to, rate reduction programs, income driven repayment programs, or federal loan consolidation. When I applied for a forbearance I was not provided any documents, paperwork, or additional information informing me that interest would be capitalized to principal. After applying for the initial forbearance, I was not contacted by the student loan servicer ( XXXX XXXX or Navient ) until two years later. It was at that time I was informed that the unpaid interest had been capitalized adding tens of thousands of dollars to my private and federal student loans. During the pendency of my forbearance, I would contact the servicer ( XXXX XXXX or Navient ) and inquire about my loan status. I was informed that it was in forbearance and no payments were due. After the loans had capitalized, I contacted the ombudsman office for the servicer ( XXXX XXXX or Navient ) and was informed they could not reverse the capitalization of interest due to federal law and was offered a " new '' rate reduction program. I applied for the rate reduction program ( which I am still in ). After the appropriate period, I applied to release my co-signor. That application was denied. I was informed at that time that my co-signor would not be released because ( despite my ongoing payments ) the payments were not " level '' payments and a co-signor release would require 24 to 48 months of " level '' payments ( which I can not afford due to the capitalized interest ). I asked on several occasions during my time in the program about a release of co-signor and was never told that the co-signor could not be released while in the rate reduction program and, in-fact, was told to fill out the form to have the co-signor released and the servicer ( Navient or XXXX XXXX ) would make an independent determination. I applied twice. Both times my application was rejected. Throughout the rate reduction process I was also provided inconsistent information regarding reapplication and extensions. In addition to the misinformation, misrepresentation, and breach of fiduciary duties, there have been several occasions where payments were misallocated to interest and principal. Finally, these are mixed use loans which beyond the cost of attendance and are therefore not subject to the same type of collection actions as federal subsidized and unsubsidized loans. At the time of repayment, I was told these are student loans subject to the higher education act and that any future wages could be garnished. The mischaracterization, misinformation, and breaches of fiduciary duty has damaged me tens of thousands of dollars, caused increased payments, undue hardship to the co-signor, and an inability to establish a financial future. | ||||||
| 07/08/2022 | Yes |
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| I am a XXXX XXXX XXXX XXXX and I work for XXXXXXXX XXXX XXXX XXXX as an essential employee throughout the entire pandemic. I have made payments for years and finally paid off my student loan in full in XXXX of XXXX ( using my tax money ). I did this because I'm thinking about retiring soon and wanted this off of my shoulders. Navient never informed me of my option to consolidate my loans, apply for PSLF, and then ultimately participate in the Payment Pause from XX/XX/XXXX and forward. I reached out to Navient, who then told me to reach out to XXXX ( which I found to be absurd given that my loan was never transferred there but I was told that " they handle that PSLF stuff '' ). XXXX, of course, told me to call Navient back as they had no record of me. Then, after being transferred to 4 different representatives, each one higher up the chain than the next, I was told by Navient that as my student loan servicer that they were never required to inform me of anything PSLF related. The XXXX was on me to ask about a program I knew nothing about. I am a tad old school in that I mail in my payments with the monthly stubs they allotted me. Again, according to multiple Navient representatives spoken to on XX/XX/XXXX, they were never required to show me options beyond what I was currently doing ( e.g. IDR plans, loan consolidation, PSLF qualification, etc. ). They were never required to look and see who my employer was and notice that they qualify as an employer for those seeking PSLF. So, because my loans were paid in full as of XX/XX/XXXX, my account was closed. They said there was nothing that they could do. I asked if they could reopen my account so I could consolidate and apply for XXXX, and they said they could but then my account would be 4 months overdue and it would appear negatively on my Credit Report. It would cause more harm than good. In that moment, I knew that they had the power to reopen my account and help me but they were choosing not to. The fact that they withheld information that could have been lifechanging to me and my family right before retirement is heartbreaking. Please help me? The fact that all of this correspondence through the years was in the Federal Mail has to account for something? I want my account reopened, I want to consolidate all of my loans to Direct Loans, I want to apply for PSLF as I have well over 120 payments, and then I want a payment pause started immediately while my account is being researched. If at all possible, I'd really appreciate having the payment pause initiated as of XX/XX/XXXX and forward. If I had known, I would have consolidated asap and participating in the payment pause / PSLF Waiver. Please help me? I'm going to be reaching out to Attorney General XXXX XXXX ( XXXX ) for assistance as well. Thank you for fighting the good fight. I don't want more, I just want fair. Public Employees aren't rich and Navient took advantage of me and my lack of knowledge in this area. I help people for a living and my hope is that someone out there can help me now. Sincerely, XXXX | ||||||
| 03/14/2017 | Yes |
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| I have 3 issues : 1. I have been on an income based repayment plan since XXXX. My standard way of communicating with Navient was via email, but they mostly spammed my inbox with XXXX. At some point in XXXX, they sent me a renewal notice for my IBR. Thinking it was just more XXXX spam, I missed the email, and my loan went into standard repayment. I did not know until I was 2 payments behind. A customer service rep advised me to take a forbearance, and I did to avoid having to pay the high balance. She did not inform me, however, that in taking a forbearance, I would no longer qualify for my 1 % interest deduction I had been receiving for making on time payments. I only noticed after looking at my account. When I called customer service about it, they informed me even though I had always made on time payments, I would NEVER be able to earn back my 1 % interest deduction. 2. Every year I submit my family 's tax returns to renew my IBR plan. Every year, I have received a payment amount that has allowed me to work toward paying off my principal. This year, they offered me an extremely low payment, even though our family income went up. If I chose to pay this amount, I would never pay off my principal, and my interest would accrue and be capitalized each year for my unsubsidized loan. In effect my loan balance would be going up. Even though I pay much more than they are asking, I am still behind on my interest, and all of my payments are going toward SOME of the interest. I am making no progress on my principal. To make matters more complicated, my subsidized and unsubsidized loans are grouped, and they always allocate my payment to the subsidized loan first, so even if I wanted to work on my unsubsidized loan to keep my principal from going up, I would have to physically call one business day after my payment to tell them to put the extra money toward that loan. And I always forget. They will not let me ungroup those XXXX loans because they were disbursed on the same date. If I want to know how much interest I have accrued so that I know how much to pay to keep my head above water, I have to select each loan individually, then add everything up, then call them to make sure it 's going where I want it to go. It 's all very confusing and could be solved by assigning me the appropriate repayment amount in the first place when they process my IBR. I 've never had to deal with this before, and I do n't know what has changed. It seems overly complicated and full of traps that will not lead to my success in paying off these loans. 3. I had a XXXX loan that was transferred to Navient in XXXX, and though I applied for IBR for that loan with XXXX, the application did n't carry over and I am paying the full amount. Though Navient has offered me the chance to reapply for an IBR for this loan, I am worried that the amount they will assign me will be detrimental to me paying the loan off, givien my situation described above. This has caused me to fall even further behind on the other loans above, adding to that problem. Again, way too complicated. | ||||||
| 04/26/2016 | Yes |
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| Hello, I XXXX my college XX/XX/XXXX, and during my four years my loan service provider was Navient. I began my repayments after my grace period ( XXXX, 2016 ). Since that time, I have received mixed data for how much my monthly payments are to the point I believe it is actually illegal ( I ca n't find federal regulations on this, but, a loan provider should tell its customers how much they are being charged before actually pulling the money, right? That just seems like common sense ... ). Browsing through my loan account summaries and payment options, I get varying values of monthly costs, and the variance is HUGE, we 're not talking pennies. Depending on the web page I view ( I have screenshots, but am wary about sharing them online to the public ) my " current payment due '' ranges by over {$100.00}. So, for example, looking at my statements for next month, looking at XXXX different web pages on the Navient site gives me XXXX different payments, which range from under {$200.00} to over {$300.00}. I even receive email notifications from Navient that I assume are treated as invoices. Out of the XXXX emails I have received so far ( XX/XX/XXXX-XX/XX/XXXX ), only XXXX of those invoices has actually reflected the amount of money withdrawn from my account at the end of the month automatically. There 's no consistency, and I 'm left worrying if my loan provider will leave me overdrawn on my payment date each month. I contacted them directly about the issue ( after my bank account was drafted more than their email said I would be in XX/XX/XXXX ). Their response : " Unfortunately, we were unable to re-create the information you viewed online when you logged in to your account on XXXX XXXX, 2016 ''. Well, I can recreate the issue. I can recreate it every single time I log into my account! I also have bank records and emails to validate that Navient has made it difficult for me to understand exactly how much will be pulled from my account each month by large amounts of money. It 's not honest or fair, and I very much doubt it 's legal. Has anyone else experienced similar issues? Here are the XXXX places that I can currently view different amounts I " owe '' or will be charged as " auto payments '' on my account. There is no indication anywhere which of these values will be deducted from my bank account each month, as they all use generic verbiage : 1. After I log in to my Navient account ( under myaccount.navient.com ), if I scroll down through the Account Summary page, I am given payment value A under " Recent Payments '' -- it 's an orange value that is given status " Auto Pay '' and sites the time of next month 's payment due date. 2. After logging in, if I click the " go to previous website '' link under " More Options Online '' I am redirected to XXXX, which appears to be hosted by Navient. Here, I am given payment value B under " Current Payment Due ''. 3. From the site visited by ( XXXX ) above, if I click on " Take Action On Your Loans '' XXXX " Change Your Payment '', I find payment value C under " Total Monthly Payment Amount ''. | ||||||
| 09/28/2017 | Yes |
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| After the grace period ended in late XXXX XXXX XXXX XXXX for my loans, with the exception of XXXX loan having its grace period ending in XXXX of XXXX, I was frequently placed on forbearance or deferment due to temporary hardship XXXX loss of unemployment. ) I was made aware of the accrued interest during these periods of forbearance or deferment, acknowledging the capitalization of interest that would occur at the end. My initial borrowed amount of less than {$36000.00} disbursed throughout XXXX separate loans is now well over {$75000.00} due to this process after more than 6 years of being placed on deferment or forbearance. However, I was never made aware, not even once, of an income-based repayment plan, nor was I offered such a plan by XXXX XXXX XXXX now Navient ). Due to the recent lawsuits against the corporation, I realized Navient would frequently offer deferment or forbearance options to their borrowers instead of offering a low-income-based repayment plan, which would have helped me immensely, keeping my outstanding principal near the borrowed amount, and I would have avoided accruing so much interest. It is clear that this option of forbearance was the least expensive XXXX for Navient in terms of time and processing ( their representatives were incentivized to keep call times low ) but it was the most expensive for me and to many other student borrowers as well. Right now they are going through several lawsuits pertaining to the same issues I experienced with Navient XXXX XXXX XXXX XXXX. So since late XXXX, I have been accruing interest on all my loans, having defaulted once but making satisfactory consecutive payments during rehabilitation, and now I am on an income-based repayment plan. I have hundreds of emails from XXXX from XXXX XXXX and Navient where the subject reads as " Reply YES to Postpone Your Federal Student Loan Payments '' and within the bodies of the emails the first option is always forbearance or deferment, with no mention of income-based repayment plans, and only brief mentions of " possible repayment options '' if I call the XXXX number. But again, after calling and speaking with the representatives, I was never made aware of such repayment options. When speaking with XXXX, another student loan servicer, the very first option they gave me was an income-based repayment plan, at the recommendation of their customer service representatives. They told me this would be best option for my situation. Again, I was never given this option once with XXXX XXXX, and I was almost shocked to discover there was such a thing as a low-income repayment plan. This complaint outlines the deceptive practices made by XXXX XXXX XXXX Navient on millions of student borrowers. I am XXXX of those borrowers, and due to this intentional withholding of information on behalf of the servicer XXXX XXXX / Navient, I do not believe I should be responsible for {$75000.00} in loans, when I only took out {$36000.00}, and was never made fully aware of all my available options and instead pushed towards deferment or forbearance. | ||||||
| 12/04/2017 | Yes |
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| I was working in XX/XX/XXXX and taking online XXXX XXXX. I lost my job due to an assault in XX/XX/XXXX, I was unemployed and asked XXXX XXXX for a unemployment deferment. It was repaid in full once I received my XXXX and money from an inheritance. It is still on my credit report 5 years later. I was receiving the bills for this person 's loan and was harassed on the phone by Navient for payment. XXXX XXXX & Submitting Documents XXXX XXXX. XXXX XXXX XXXX, PA XXXX Or Fax Documents U.S. : XXXX or International : XXXX Please include a cover sheet with your name and account number on all faxed documents. XXXXXXXXXXXX ________________________________________ Thank you for contacting the XXXX XXXX XXXX XXXX We created case # XXXX to track your inquiry. Below is information relating to the case. A customer service representative will provide assistance within 2 business days. For general information please review our Frequently Asked Questions. Customer By CSS XXXX ( XXXX XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) XXXX Attached Message From [ link removed ] To [ link removed ] Subject Re : Your Federal Direct Loan Disclosure Statement Date Sun, XX/XX/XXXX XXXX XXXX Please contact this person at his home address. I am not responsible for this bills Your Direct Loan disclosure statement is available on our secure [ link removed XXXX Web site. You will need your FSA ID to log in. If you do not have an FSA ID, you may obtain one on the [ link removed XXXX Web site. To view your disclosure statement, log in to XXXX link removed ] and print or save a copy for your records. Your disclosure statement provides information about your student loan. It is important to keep all correspondence in a safe location for future reference. Your disclosure statement will be available for you to retrieve for a limited time. Therefore, we encourage you to take the time now to retrieve your copy. Your school will tell you what loans, if any, you are eligible to receive. If you have questions regarding your loan eligibility, the next steps in the processing of your loan, when the loan will be disbursed ( paid out ), or no longer wish to receive the loan, contact your school 's financial aid office. After the first disbursement of your loan has been made, your loan will be assigned to a loan servicer. Your loan servicer will contact you and provide their name and contact information. Your servicer will service, answer questions about and process payments on your loan. To view the list of servicers and their contact information, select the " Additional Information '' link on the " Contact Us '' page of StudentLoans.gov. Sincerely, U.S. Department of Education Federal Student Aid William D. Ford Federal Direct Loan Program Do not reply directly to this email. If you wish to contact us, email [ link removed XXXX. Connect with us : Subject : StudentLoans - General Questions Case Type : XXXX General Inquiry Date Created : XX/XX/XXXX XXXX XXXX Last Updated : XX/XX/XXXX XXXX XXXX Status : Open omplaint. ID FOR COMPLAINT SENT TO NAVIENT XXXX | ||||||
| 05/05/2017 | Yes |
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| Eight years ago, my career in XXXX XXXX ended abruptly on a Friday afternoon when my employer told me they would no longer need my services as an XXXX XXXX. With the XXXX XXXX crumbling, all doors were closed and there were no opportunities for me to continue in XXXX. At first I applied to any position where I could utilize my skills and licenses. By the end, I was applying to any job that would help keep my family afloat. I found myself over qualified and underemployed. Over the next two years I lost my house, a marriage, and my XXXX. What I thought would be a temporary situation has turned out to be a long-term struggle to reinvent myself. I always had a passion for XXXX and XXXX. When I started in XXXX XXXX with XXXX XXXX in XX/XX/XXXX, I only had XXXX credits from a local XXXX college. I realized quickly that if I expected to have any longevity in the field, I would need an education. The young man I was at the time walked into XXXX University and started asking questions. I walked out with a class schedule and a stack of books. The following two and a half years, including summers, required a lot of hard work and dedication to graduate with XXXX, XXXX XXXX XXXX, and a XXXX in XXXX. While I was employed, I consistently paid my student loans. After several years of underemployment and unemployment, I have not been able to meet my obligations. I filed for bankruptcy in XX/XX/XXXX and wiped out all of my debt except for my car loan and of course, my student loans. I have not held a job since the end of XX/XX/XXXX that required anything more than a high school education. I have tried countless times to get back into XXXX with no avail. My most recent position as a XXXX XXXX at XXXX warehouse gives me {$.XXXX} per hour for my education. At 20 hours a week, that is {$XXXX} per week, {$XXXX} per month, and it is a temporary position. With over {$40000.00} in loans, you can imagine my compensation falls far short of minimum required repayment. To add insult to injury, my loans have been in default and I am no longer eligible for any further funding to possibly continue my education and maybe make myself more marketable. Here is what I do not understand about student loans and their relation to bankruptcy. XXXX XXXX is a private corporation, not a government entity. Millions of Americans, small businesses, and corporations were allowed to release the pressure either through bail outs or bankruptcy, yet here I am with a debt I can not afford to repay on an investment that yields me almost no return. My bank made a bad investment in me and my house and wrote it off. XXXX XXXX has written off my debt and passed my loan off to a third party, yet here I am. At best this obligation is a tax on the poor. My mother and father could not afford to pay for my education. I am the first person in my family that has earned a degree. At worst this is an obligation that due to our shallow pockets and small voice, poor students are forced to pay back loans forever. The nation has mortgaged a portion of its future on the backs of its poor youth. | ||||||
| 04/22/2015 | Yes |
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| I went to XXXX University in XXXX, XXXX and XXXX, XXXX. I did n't receive enough federal loan money to pay for college, so I had to turn to private loans if I wanted to pay for my education. My college 's financial aid office did nothing to help me understand federal and private loan borrowing, but recommended I take out loans with XXXX XXXX ( now Navient ). This was quite possibly the worst advice they could have given me! I was once told that I could release my co-signer after two years of consecutive, on-time payments. When they told me this, I informed the cust. service agent that I wanted to go through with releasing my dad from my loans so she set me up with a new monthly payment in order to be eligible to release my dad as a co-signer in two years. So, you better believe that I made my payments, in full, on time, for two consecutive years. After two years had passed I called in to request my dad off my loans. This time, the cust. service agent told me that in order to qualify for the co-signer release I needed to make principal + interest payments. I told them that I thought I WAS making principal + interest payments because that 's what the cust. service agent told me two years ago when we set all this up! After what felt like forever of begging and pleading with them to allow my past two years of payments to count towards the co-signer release, I finally hung up the phone, exhausted and so completely hurt. They straight-up LIED to me! I had worked so hard those two years to make my payments giving up so much along the way. My dad wants to retire soon but is scared that if anything happens to me that he will be on the hook for these loans, so he continues to work. This HUGE lie from XXXX XXXX has put an indescribable strain on our once fantastic relationship. Since 2010 I 've been paying between {$580.00} - {$700.00} per month of interest only payments. I originally took out XXXX loans totaling {$66000.00}. My loans have now increased to {$95000.00}. I 'm told that I will have to move to a graduated repayment plan since I 've expended the interest only payment option. I struggle to make my {$580.00} payment now, I have no idea what I 'm going to do when my monthly payment goes up. XXXX XXXX ( Navient ) has been the worst lending company I 've EVER had to deal with. I have had problems with everything from mismanaging my payments, to yelling at me on the phone when I could n't make my enormous monthly payments because I did n't have a job or was n't making enough money to live. They have lost checks, not informed me when accounts were transferred to new servicers and misapplied payments between my XXXX loans ( which incurred fees ). Not to mention, every time I call into XXXX XXXX it takes an average of 45 minutes to get my issue " resolved ''. I also have a hard time understanding the cust. service agents when I call into XXXX XXXX. All of this makes working with XXXX XXXX extremely difficult. I got an education to better my life but have yet to live my life because I ca n't afford to. Please help me!! | ||||||
| 12/06/2018 | Yes |
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| In XX/XX/2018, three loans I have with navient come out of my last forberance. I tried for 90 days prior to XX/XX/XXXX to get on a repayment plan that would meet my income level. After multiple calls and financial worksheet submissions, I was told that " No concessions can be made on my account, as we have your discretionary income as over {$3000.00}. '' My total monthly take home income is around {$3000.00} and i currently pay multiple other obligations every month. After trying to fix figure several times with phone calls and more financial worksheet submissions, I was still told no concessions could be made on my account and the only option I had was to try for a rate reduction program. After asking how that would happen, I was told you only become eligible for this program after your account is past due. I called back several times over the course of the next 60 days trying anything that would prevent that from happening. In XX/XX/XXXX, I was finally allowed to apply for the XXXX XXXX XXXX, provided I agree to auto deduction from my bank account and make three " qualifying payments '' into the program. I asked what would happen to my account since it was showing as past due. I was told to not worry about it, as Navient does not report anyone to the credit bureaus until at least 90+ days delinquent ( I was around 45 days ) and they ABSOLUTELY do not report while anyone is in a qualifying period for a new rate program. I was told that IF my account was still delinquent after the three month qualifying period, then i would be reported to the Credit Agencies. 6 weeks into my qualifying period, and after a successfully making 2/3 payments, I was reported to the bureaus as being " severely delinquent. '' I called navient, spoke to a " supervisor '' who told me this was a processing error and that should have not been reported. I asked what would be done to fix this and they stated they can file a retraction, but it would take a month to process. I asked how I was to know this got done, and was told " well i will make a note on your account. '' I then asked for copies of the " notes '' on my account and was told that i could not access them, as they were internal documents and that it was not appropriate for me to have access to my own personal loan records. This was in XX/XX/XXXX. In XX/XX/XXXX I called back to ask what was going on with my retraction, as my credit score has plummeted, I can not purchase a home, move out of my parents home or refinance my car. In speaking with the " supervisor '' XXXX, employee XXXX, I was told that no such retraction had been made, and further more, she had no knowledge of the program in which i was entered, so therefore she really couldn't do anything to help me. I asked to file a formal complaint within the company as this was now the third time i was told a retraction would be filed and my credit score repaired, as much as possible, and each time i call to check on the status i speak to someone who has " know knowledge '' of these issues, even with all the " notes '' on my account. | ||||||
| 08/12/2016 | Yes |
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| My loans were recently transfered to Navient, sometime in early XXXX, from XXXX. From XXXX, to present, my health has been poor and my wealth/income even poorer. As such, I have qualified for IBR-repayment plans of {$0.00} per month for several years now, and with my previous servicer XXXX, submitting IBR paperwork usually required a single phone call and a single email. After I learned the procedure, it took only one yearly email with IBR application and tax return attached. I never had to worry that it would n't be processed correctly or approved or whatever. But with Navient this summer, it has been a root canal to try to push my IBR through inch-by-inch. I 've called customer service many times, always diligently asking if there anything more I NEED to do, is there anything more I CAN do, is there something I am doing wrong? The reason I would ask all those questions is Navient never seemed able to know how to process an IBR or sometimes even what an IBR is. This echoes the complaints of the states attorneys general, so I know that I am not alone. I 'm sorry that I did not take detailed notes of all the phones calls and how much time I spent on the phone ( nor how much this cost me as I pay for phone service on a minute-by-minute basis ) but I had no idea how painful this would be when I started. I estimate I have spent 5+ hours on the phone, and another 3-4 hours on the Internet trying to ensure that my IBR would be processed, and it still feels a bit unfinished. In addition to profound ignorance of IBR plans, they also have special tricks. Finally my IBR was seemingly completed this week, but even after it was done, Navient 's last trick was to conjure a late fee (! ) that was due to be paid on XXXX XXXX, XXXX. This late fee was allegedly assessed by my previous servicer back in XXXX and XXXX. When I explained that I had months and months and months of emails from XXXX between XXXX and the present that stated that my balance was XXXX, Navient was not capable of receiving those emails, nor were they interested in receiving them, telling me that would have no bearing on their opinion. After I escalated my call with the customer service agents to XXXX XXXX ( this took 45 minutes talking and on hold before an agent told me I could hang up and they would call me back, which they did ). FInally by agent on level XXXX I was promised that a XXXX days process would review my complaint and the agent would REQUEST that the fees be forgiven " as a courtesy. '' Patronization in that aside, this is just another thing for me to put in my date book and double check later to ensure resolution has been reached correctly and if I lose track of time I 'm sure I will get another late fee on XXXX XXXX when that payment is due -- an additional late fee for not paying a fraudulent late fee! Thanks for your time. I 'm trying to keep my head above water until Navient is finally shut down by the federal government. This is a fraudulent organization. A strictly zero profit organization ought to service federally-backed student loans. | ||||||
| 07/31/2018 | Yes |
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| My name is XXXX XXXX and I am writing this email in regards to numerous violations of the FDCPA. XXXX XXXX XXXX is a daughter company to Navient who is contracted by XXXX XXXX to collect on this debt. I assume that XXXX XXXX forwarded on my contact information when they contracted you. When they did that, XXXX XXXX gave you my address and phone number. XXXX XXXX had my number as a ceased do not contact number therefore you all decided to call my XXXX sisters on XX/XX/2018. You called XXXX on XX/XX/2018 and left a generic message. When she called back in on XX/XX/2018 she asked who you were with and you would not tell her but only said its a personal matter. According to the FDCPA you have to disclose who you are with but can not state it is an attempt to collect a debt. You also called XXXX on XX/XX/2018 and left a generic message. She again called back on XX/XX/2018 and spoke to XXXX who advised her she would not receive another call! My XXXX sisters called me on XX/XX/2018 stating they received calls from you. So that same day at XXXX XXXX CST on XX/XX/2018 I called in and gave you all the information you all needed. I stated you can send me information by mail but do not call my cell and do not contact my XXXX sisters again. Well on XX/XX/2018 you called my sister again at XXXX and this is another clear violation of the FDCPA as she advised on XX/XX/2018 to not call her again. On that same day I called in to request a formal complaint of the 2 FDCPA violations. On XX/XX/2018 I called into XXXX XXXX XXXX as I wanted the status of my complaint and was told by XXXX that it was still open. After telling XXXX of the XXXXwo options XXXX XXXX XXXX has he advised me that those were not going to happen. He then went on to say that if I did not enter into the loan rehabilitation program that they would garnish my wages. XXXX can not state that, as he does not know when and or how XXXX XXXX and or XXXX XXXX will take those actions or if they even will. Section 807 of the FDCPA SAYS AS FOLLOWS : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 13 ) The false representation or implication that documents are in legal process. Since XXXX says you all have no record of me calling in on XX/XX/2018 to advise you not to call my sisters again and give you all my updated information I am attaching my call logs from XXXX as you can clearly see. You all violated the FDCPA 3 different times. First being not disclosing who you were all with when XXXX called back in. Secondly when XXXX advised not to call her again but yet you all did on XX/XX/2018. Third on XX/XX/2018 when XXXX said to me " if you do not enter the loan rehabilitation program we will garnish your wages ''. Each of these violations carries a possible {$1000.00} fine on top of my loans being brought to a XXXX balance. So your option is to bring my account to a XXXX ( XXXX ) balance considered paid in full and or I will have to take another step with this. | ||||||
| 09/25/2018 | Yes |
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| I am in the process of a payment schedule arranged by the loan servicer in order to prevent my account from being any further delinquent albeit still reported late while making agreed to payments. When the payment arrangements were made, I was informed by Navient that I had exhausted the ability to be in the " interest rate reduction program '' which has been a great deal of help to me as it makes the payments under {$300.00} possible with earning a salary under {$30000.00} per year, 10 years after graduation from a for-profit institution in which predatory lending practices were undoubtedly deployed at the time of taking out the loan by both the school and the lender, Sallie Mae. Based on the fact of ballooned salary figures and promise of continued career services which unfortunately for myself and many other former alumni of XXXX XXXX XXXX XXXX have found the career services department to offer minimal help if residing outside of XXXX XXXX XXXX and a few locations outside of the metropolitan area. My experience with the department led me to be told I lived in " a black hole '' and they could not offer me any assistance. As for Navient, I contacted the company on XX/XX/XXXX as the final payment per the payment arrangements mentioned prior are approaching on XX/XX/XXXX. In an effort to be proactive and after being told to call back in XXXX as " we'll figure something out, '' I did as instructed. I was told that the company only offers the interest rate reduction program twice every 5 years which is a lie because I have continually been on the program for all of the payments made since XXXX because I can not and will not be able to afford payments of {$670.00} per month for the next 30 years or the foreseeable future. I was told that because I essentially failed out of the program 1 of 2 times, I am not eligible for the program again until XXXX. The customer service representative then offered me no further solutions such as, an income driven repayment moving forward. I have been told that my regularly scheduled payments of {$670.00} will be due starting in XX/XX/XXXX. I do not have the financial ability to make those payments as stated in this complaint and to the customer service representative. This fact is unfortunate that Navient does not want to find a solution that works and the reality that is I have no other options but to prepare for defaulting on a {$50000.00} loan with {$20000.00} in interest after 10 years of taking out the loan. The regularly scheduled payments of {$670.00} make it impossible for me to live and keep my housing bills paid along with other day to day bills. Navient and Sallie Mae have provided me with minimal solutions over the past ten years and usually unwilling to understand that difficulties arise like divorce, relocation, family illnesses and death which cause financial strain or the fact that I have a useless degree. Unfortunately, student loans and the XXXX XXXX student loan crisis is real and dragging down many people especially with lenders unwilling to offer solutions. | ||||||
| 04/27/2021 | Yes |
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| In XXXX of XXXX, I applied for XXXX Loan Forgiveness for my student loans through my lender, Navient by submitting an application. On XX/XX/XXXX, I received a letter from Navient stating that I was denied for not meeting the eligibility requirements for XXXX for 5 years. I called to dispute this in XXXX of XXXX and spoke with a customer service representative and a supervisor. I made them aware of my specific circumstance as stated in the conditions of the XXXX Loan Forgiveness Terms through the U.S. Department of Education. I began XXXX in a public, low-income school district in XX/XX/XXXX immediately after I graduated from a postsecondary institution. I was hired as a full time XXXX and have taught consecutively since then. I stayed at that position until XX/XX/XXXX until I was offered a position at a different school. This school met the low-income requirements as well and I have remained in that position for 5 years since that date. I currently am on the salary schedule in my district as a 6 year XXXX as well as on the XXXX Retirement System in Illinois. You can click on the link below to see those terms : https : //studentaid.gov/manage-loans/forgiveness-cancellation/teacher " The requirements state half an academic year counts as If you were unable to complete a full academic year of XXXX, that year may still be counted toward the required five complete and consecutive academic years if you completed at least one-half of the academic year ; and your employer considers you to have fulfilled your contract requirements for the academic year for the purposes of salary increases, tenure, and retirement '' To confirm my employment, a Navient representative requested a letter from my former supervisor stating that I was hired as a full-time XXXX in XXXX of XXXX. My former supervisor wrote a letter confirming this information and I sent the letter to Navient in XXXX of XXXX. In XXXX of XXXX, my application was denied again. I called Navient in XXXX of XXXX and spoke to a customer service representative and was told that the letter needed to contain my hire date in the format of MM/DD/YYYY and the Assistant Superintendent needed to write in his position next to his signature. My former job provided this information in the correct format and I resubmitted my application as well as the new letter XXXX of XXXX. cher loan forgiveness by claiming that I have not met the five year XXXX requirement. Today, XX/XX/XXXX, I received another denial letter from Navient claiming that I have not met the five year XXXX requirement. I have called and spoken to Navient 4 times today ( XX/XX/XXXX ) to dispute this after they have hung up and disconnected with me twice. I have talked to 3 customer service agents and a supervisor, who are all unaware of the terms of the program. After being put on hold, I was told by a final supervisor that I did not meet the requirements for years of XXXX and that if I submit my application again with my current employer at the end of this academic year, I will meet the requirements. | ||||||
| 02/08/2018 | Yes |
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| I recently found out I had defaulted student loans that were to be discharged during a bankruptcy that was d/c in XX/XX/2005. Unfortunately due to the time frame and the discharge being off my record I do not have any paperwork for it. The courts have destroyed the paperwork as well and the attorney I used in the case is now deceased. I contact XXXX XXXX XXXX because they are the ones who are handling the case. I have spoken with a XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX in regards to the case. My issue is that I feel I have been lied to. I have a balance of XXXX ( including collection fees ). I was told by XXXX that the collections fees are not accessed by their company but by the XXXX XXXX XXXXXXXX. I submitted financial records and the from the law that I read regarding repayment of student loans the amount is to be based off my Adjusted Gross Income. I provided verbally to XXXX the amount of XXXX. I made a payment that day. The next day I was contacted by her again. She accused me of lying to her and stated that I made more money and therefore my payment would increase by XXXX and that I needed to make that payment that day or else the payment that I made the day before would not count. I questioned what she was talking about. That the law states that you are to make the monthly payment assessment from my XXXX not my gross wage. I felt helpless and as if was being backed into a corner so I agreed to the new payment amount. I might also add that the way I found out about the debt was through income tax offset. Through that my federal taxes were XXXX and my state tax was seized as well at XXXX. I was never asked what I could pay. What my monthly bills were. I was told I needed to pay this amount. Another issue is that I have 6 small loans on there and I requested that the small loans be paid first to stop having to pay interest on those. When I spoke with XXXX XXXX the manager she stated that I could not allocate where the money was being dispersed that the payments had to be distributed evenly between all 6 loans. She stated that the only way to have the small loan paid off would be that I would have to send an additional payment and specifically allocated that was for the account. This was also told to me by XXXX XXXX. She gave me the account number for that loan of XXXX. Long story short I know this company has been sued as I was named in the class action lawsuit. There unlawful business practices are continuing. I would like some sort of assistance. I would like to satisfy the debt but I am not going to allow myself to be a victim. At this time I spoke with XXXX XXXX last night and I have asked that my financial information be deleted from the system until the issue can be solved. I have also reached out to to the US Dept of Education and filed a complaint with them as well. I would appreciate any assistance I could get in resolving this matter. I will note that I also have tried to reach XXXX XXXX and I was told that he does not have a voice mail. I was told that he is the director. | ||||||
| 03/12/2017 | Yes |
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| XXXX originated as the third party on this account and continuously put us in payment plan that had no end in sight. We continued to struggle make payments for the past 15 years, but made all our payments except only had to take a forbearance once due to a job loss. We struggled without savings and without retirement knowing we were getting close to the 20 year forbearance. Now our loans are with Navient and things are not any better. When we called recently to find out exactly how many more years we had to pay until our loans were forgiven, they said " oh you are not eligible for forgiveness because you are not enrolled in that program. We can enroll you in that program now if you like, and in 20 years you will have forgiveness as long as you are in good standing. '' Not only do we face 20 more years of payments, and no more savings, or retirement, but our kids are now faced with taking loans for school and more. The cycle never ends with the deceptive practices. Never once did we assume our loans would not be forgiven after 20 years of payments, and especially since the principal amount of the loans has been paid, but due to the way the system works the wording and the structure of their repayment assistance you never payoff your loans and you keep paying more and more interest. We are now faced with our payments going from {$650.00} to over {$900.00} for the next 20 years, even though we have paid over {$110000.00} to date, which was the amount of our original loans. According to Navient we will now pay the same amount in interest as we had in original loans, and we will have done so over 40 years. This practice is unfair for those who have made payments for decades and continue to do so, only to find out that our remaining loans would not be forgiven after 20 years. Never were we advised about having to be in a special program for forgiveness after 20 years, actually the only willingness the groups are readily able to do is lower your payment, but never telling you the long term ramifications. This is worse than the housing market scams, I am not looking for any special penalties or refunds, or monetary damage. At this point I would like to just have my the remainder of my loans forgiven. That is only fair. I have paid over the original loan amount since I started paying, but apparently that only goes to interest. Doing simple math even though we paid more that this, we owed {$110000.00} originally, and we paid about {$600.00} per month for 15-17 years at least. This means we have paid around {$120000.00} to these companies. Somehow the principal has never gone down ... it actually went up ... and we wo n't be forgiven once we even reach 20 years. I have paid and been responsible for paying back the monies, and only to find out I have been stabbed in the back. Once again I do not seek damages, but just forgiveness for the remainder of my loans as I assumed would happen at the 20 year mark anyways. I ask for forgiveness now please, before I am forced to make even more Ludacris $ 900+ monthly payments. | ||||||
| 03/28/2015 | Yes |
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| I graduated from XXXX XXXX in Tennessee in 2010. I messed up my grades and lost some scholarships but continued my degree, financing with student loans, federal and private. After graduating, I discovered that they had been sold across the country and I was ineligible to consolidate them as my " income did n't meet criteria. '' I began to pay on the student loans and have had several slight issues that were easily and readily remedied. Then, XXXX of my loan companies, XXXX XXXX, sold all of my loan portfolio that was with them to Navient. My parents, in an attempt to help me pay down my student loans had agreed to pay off my highest interest loan ( a loan with 14.25 % interest, compounded daily ). They made an initial payment to make certain that it would be processed properly, of {$500.00}, on said loan. That payment ( plus my payment for the month ), processed properly and was applied towards the loan which they determined, the XXXX with 14.25 % interest. Here 's where things took a turn for the worse. They made another payment of {$8500.00} towards that same loan, making certain to notate that they wished it to go towards the loan at 14.25 % interest. According to their website, it showed that I now owed something near {$400.00} remaining on that loan. I continued to check their website, to verify that it would stay processed properly for almost a week. The first day I did n't check is when that payment ( the second, {$8500.00} payment ) got reallocated towards all of the loans in my portfolio, according to some matrix that no one can explain to me. I did n't catch this until I logged in in XXXX to make a payment. I noted the difference and was on the phone with Navient within the week asking them to reapply the {$8500.00} payment solely to the loan with 14.25 %. Easily done, they assured me, and told me to check back within the week. I checked back, and sure enough, they had reapplied the {$8500.00} payment towards the 14.25 % loan, but now they had taken away the {$500.00} payment and reprocessed it towards all my loans, and the loan, which, when initial payments were made, showed less than {$500.00} left on the principal, now showed over {$1000.00}. Since then, I have talked to numerous associates at Navient and tried to explain the situation to them, and a variety of assurances and civility have been shown me, but nothing has changed in the standing of that loan for all the talking that I do with Navient. They have had my loans for 3 months, and they have been messed up for 3 months. My parents are trying to get a payoff quote to pay off the remaining balance, but it should n't be over {$1000.00}, it should be closer to {$500.00}. I have been put on hold for over an hour before they 've hung up on me and I 've been asked to call back and I 've been told that the " line to the department who reapplies loans is down '' for Navient, and all of these have led this issue to continue, and I 've been told that it continues to accrue interest, compounded DAILY, while this issue continues to go unresolved. | ||||||
| 11/11/2022 | Yes |
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| I called Navient on XX/XX/XXXX, and I spoke with a rep about the account. I was told that I did not recertify my IDR, but I told the rep that I faxed all of my information months ago before the date that it should have been done, but on the studentaid.gov site, it states that IDRs were not due until XXXX. Even though studentaid.gov had the message on the site, I still sumbitted my information anyway. I submitted my PLSF for my other loans, and I submitted my IDR renewal to be on the safe side because I had felt that it could be an issue, and at this time, it still seems that it became an issue. Unfortunately due to all of these changes and issues with student loans of so many lawsuits and information changing, I called and spoke with a rep ( XXXX ) on XX/XX/XXXX and XX/XX/XXXX to inquire about what I saw. I was told by the reps, and they confirmed that I did not have to submit an IDR at this time due to changes, but I advised that I did anyway. When I did, they said that it probably would not be processed due to I did not have to do one because of the extension and the changes with student loans, so I was like ok and thought everything was fine. Now to fast forward, when I spoke with someone from Navient, I was told that I was behind 2 weeks in payment because I did not submit an IDR even though I know that I did. She did say that she believed that I did submit them based upon all the same information that I am providing here, but my issue is the miscommunication of all of these changes of the handling of loans from lender to lender. She said that if I did, that my application may have not been transferred over when the systems change which frustrated me due to I felt that this was not my fault. I told her that I would resubmit it, and she did offer to put me in a forbearance to allow me time to get the documents to Navient again and to allow them time to process it. She mentioned about the consolidations which I did tell her that I did consolidate a few of my loans, but not all of them due to the uncertainty of the changes with student loans. I didn't trust what has been going on so far, so I consolidated a few to see how things would turn out. She mentioned maybe consolidating my other loans, and I told her no due to the time frame had passed, and it would start all of my counts back over. She paused for a moment, and then agreed with what I said. For me these are the things of the miscommunication and incorrect information that can be provided to us as current or prior students that keeps us in this type of debt forever because of the neverending cycle of information that is given to us from the supposedly experts. Now, at this point, I am in a temporary forbearance due to Navient said that I owed {$670.00} because I did not renew my IDR when I know that I submitted it. I wlll submit it again, but I want this documented of the issues that I have had with Navient. I have had to place a prior claim of issue with them due to a lack of communication on their part still regarding payments and processing. | ||||||
| 11/01/2016 | Yes |
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| I had a loan with XXXX XXXX which is now Navient. I admit the loan is in a collection status but I have been paying on for a couple of years now. The collection loan was being handled by allied interstate. I was in an interest free program paying $ XXXX month. XX/XX/XXXX, XXXX XXXX stopped deducting the payments out of my bank account without notifying me. I realized last week that the payments were no longer being deducted and I called them. The gentleman I spoke to advised me that because I was set up on this interest free program for a year, once the year was up, the payments stopped. I asked him why did n't anyone notify me. He had no answer. He asked me if I could submit a payment that day, and I did, for {$100.00}. I advised him I would call back to set up a new arrangement once I figured out my financial situation and if I could afford to pay more than what I had been paying. He asked me if I could settle for {$10000.00}, and I advised him I do not have that kind of money. He then asked if I could pay anything over {$5000.00} to settle, and I said no. He asked me to take out a loan to pay the bill?? Who does that?? Anyway, yesterday morning XX/XX/2016 at XXXX, I recieved a call from XXXX XXXX of XXXX XXXX XXXX. This representative was very very rude. He began in a very harsh tone demanding why I stopped paying on my loan to Navient. I said excuse me? I thought I was paying to XXXX XXXX? He said the account had just been transferred to their agency and he was calling to settle the account. He said he could settle it for {$10000.00} and I said I do n't have that. He then very rudely said well they paid for your education, you need to pay them back.. How are they allowed to call very early in the morning and be very rude and disrespectful at that. His manager, XXXX XXXX then chimed in and advised that would take over the call. He also again asked me why I stopped paying. I told him the same story I told the other gentleman last week. I was not aware the payments stopped coming out of my account and that I made a payment last week to XXXX. He said well they did n't receive any payments from me because the account was just transferred to them. I said how is that my fault? I did n't know when I was making that payment that XXXX is no longer handling my account. How is that fair and legal that XXXX XXXX can take money from me, and then transfer the account to XXXX XXXX XXXX and they have no record of the payment? The collection rep was so demeaning and rude and spoke to me in a very harassing manner. This is very stressful situation and I am thinking about getting an attorney. How can these collections companies keep transferring accounts but do not notify the consumer. Then they call you and get you to give them money right before they transfer it, but they do n't notify the other company of the payment. How is this fair and legal? Also, why do they have collection reps who are very rude and nasty, calling at XXXX. This entire situation has been nothing but XXXX on me and I have contacted an attorney. | ||||||
| 10/19/2020 | Yes |
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| I have been repaying my student loans since XXXX, and I consolidated them in XXXX with Navient ( formerly Sallie Mae ) and that resulted in 2 loans. Loan Type - DIRECT School - CONSOLIDATED Current Owner - U.S. DEPARTMENT OF EDUCATION Guarantor - DEPT OF ED/NAVIENT Disbursement Date - XX/XX/XXXX Original Principal - {$28000.00} And Loan Type XXXXDIRECT School - CONSOLIDATED Current Owner - U.S. DEPARTMENT OF EDUCATION Guarantor - DEPT OF ED/NAVIENT Disbursement Date - XX/XX/XXXX Original Principal - {$11000.00} In XXXX, XXXX I was advised that in order to pay off my loans in the time that was originally agreed to by both parties ( me and the Dept. of Education ), my student loans would be increased from {$260.00} per month to {$330.00} per month. ( At some point they were at {$260.00} and reduced slightly at Navient 's direction to me after they did whatever calculations they do to determine the repayment amount ). The increase from {$260.00} to {$330.00} was significant to me and I tried to dispute it with them several times ; I asked for my complete loan payment history and at that time they would not provide it. They would only provide a summary of all loan repayment activities. With all of the changes to student loan repayment and in light of the recent law suit they settled, I decided to try to dispute the interest they are charging me with your agency because if they calculated my repayment amount to be that much lower at the start of the loan, they were collecting a lot more interest than they should have been for 6 years! The interest I pay on 6 years is very significant. I tried to get them to tell me the difference so I could dispute the additional amount of money I will end up paying in interest due to their faulty calculations and they absolutely refused to do so. After about 5 phone calls I gave up, feeling helpless and very much victimized. I even told them I was waiting for someone to initiate a class action lawsuit based on this issue because I was sure I am not the only person they did this to. It made no difference to them. I have a printout of all my payments and the rate hike now and I'd like to know how I can formally dispute the additional interest they will inevitably collect from me and have that amount removed from my responsibility since it was them who calculated my repayment amount and I simply followed their directions and set up that amount for automatic payment. I cant easily estimate the over-payment amount, but my interest rate is 5.75 %, with a .25 % break when I pay through auto-pay. The loan is estimated to be paid off by XXXX/XXXX/XXXX now and I can't figure out how much I am overpaying because if there has been no change in interest rate ( which I was not advised there was ) then it seems they charged me less money at the start when interest was highest, and not even {$0.00} went toward repaying the principal unitl after the first 13 months. All this seems wrong to me. When I ask them direct questions about it, in XXXX and XXXX, I never receive straight answers. | ||||||
| 05/30/2020 | Yes |
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| I am following up on the last complaint I filedXX/XX/XXXX regarding the misapplication of my loans. Navient 's response claims that my payments for my loan group, XXXX, covering loans ending in XXXX, XXXX, XXXX are short. They claim that the payments made by my cosigner for loan group XXXX for loans ending in XXXX, XXXX, XXXX are over what is due. They claim their system can't handle the reallocation. They have told us that we either need to pay the exact amount due each month to the loan groups, or pay one lump sum to the account number for all 6 loans. The issue here is that the loan amount due seems to fluctuate wildly, and by as much as {$310.00} in the last year alone. There are loans that don't have a payment due for a couple of months at a time, and then suddenly payments due spike. For reasons I can not understand, it appears that loans have no amount due, are still accruing interest, and then suddenly we owe a lot on them. As you can imagine, trying to set a household budget when a debt payment fluctuates so wildly is nearly impossible. Add to this the fact that the wild swings in payments due do not correlate to any interest rate fluctuation. I ask that Navient provide a full accounting of how and why this happens. I ask that Navient now break out all 6 of my loans into entirely separate buckets so that we may pay each loan individually. We refuse to use AutoPay with them as they have proven in the past to not be trustworthy. You see, Navient used AutoPay in the past to take well over the due amount from my bank account, resulting in direct and immediate financial hardship. That's what happens when you steal from someone that lives paycheck to paycheck. I demand a full audit of my account, showing the breakdown of how each payment is allocated, the amount that goes to principal and to interest, and the actual total loan amount still due. I have asked for this in the past and not received it. I do not believe that Navient is accurately tracking the amounts I owe and is not properly servicing the accounts. I believe someone may actually be skimming off my payments, as I struggle to understand how I have sent the same amount each month for years, and still seem to be owing interest and large principals. Please also note that going forward, this will be the only way I communicate with Navient and its representatives. I have spent a decade being misinformed and lied to. Now all communication will be done in written record with a federal agency. Please also note that I will be following up with the Attorney General of Pennsylvania to provide them documented proof of the above bizarre payment structuring ( and yes, its bizarre. The car loan, 4 credit cards with variable interest rates, and 5 other student loans I've paid off prove this ) as they are currently working on a lawsuit with Navient for the very issues I've had. There is no reason for due amounts to fluctuate to the degree they do with Navient. The interest rates have never fluctuated at such a degree that would call for this. | ||||||
| 06/11/2018 | Yes |
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| I am currently in a repayment program for my student loans with the company, Navient. I started to consolidate my student loans in XX/XX/XXXX. I had to go through the process several times because Navient did not include all my student loans during the consolidation process. I attended two schools : XXXX XXXX XXXX College ( XXXX, NV ) and The University of XXXX, XXXX. I took out a total of 11 or 12 loans ( twice a school year, or one every Spring and Fall semester ). At first, Navient only consolidated my loans from XXXX. Then they only consolidated the loans I had from XXXX. Finally, around XX/XX/XXXX, the consolidation process was completed. I asked several times for a confirmation that all my loans were accounted for and were included in the consolidation. At this point the agent from Navient read to me the loans from both schools and assured me that all pertinent information was compiled from the Department of Education and that the consolidation process was completed. I began making payments in XX/XX/XXXX, and I made all my monthly payments on time. In the beginning of XX/XX/XXXX, wages were being garnished from my paychecks. I was informed by the Department of Education and Navient that a number of my student loans went to a debt collection agency called XXXX XXXX XXXX. After making several calls to all the companies involved, I learned that Navient apparently did not include a number of my student loans in the consolidation and that these loans went into default and were now being handled by the debt collector XXXX XXXX XXXX This was not the only upsetting thing. When I was gathering information, I found that my student loan debt amount had jumped from approximately {$35000.00} to approximately {$60000.00}! This is impossible because the total amount of student loans available to me as an XXXX were not even close to this amount. Also, the number of loans taken out in my name ( which were about 11 or 12 ) had doubled to 22! This is also impossible because I was only able to take out about 5 or 6 loans from XXXX and only about 4 or 5 loans from XXXX. The rest of my tuition for XXXX ( which was the last school I attended before receiving my XXXX degree ) was being paid for by a Federal Pell Grant. I notified Navient of this situation in XX/XX/XXXX, and I was assured that there would be an investigation, that Navient would recall the loans from XXXX XXXX XXXX, that I would not be responsible for any payments until this problem was resolved, and that I would be contacted by Navient to notify me of the outcome. As it stands now, XX/XX/XXXX, I am still getting wages garnished from my paychecks ( approximately $ 200- {$300.00} each check for about the last 5 paychecks I have received ). Also, Navient has not contacted me regarding my claim ; however, I have started receiving emails from them that my payments are past due. This is a serious problem that does not seem to be getting resolved. Also, I have not been given an explanation as to why or how my student loans have mysteriously been doubled. | ||||||
| 04/11/2017 | Yes |
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Web | Servicemember |
| Good Day : First, my loans were originally procured through the XXXX system. I opted for a total of a {$25000.00}, which was inclusive of a private loan serviced by the University I attended. In short, I paid " in full '' my private loan through the University totalling approximately {$2500.00} However, to date, Navient has me owing a total of {$27000.00}. Any civil person would ask, " how is that even remotely possible?! '' When XXXX sold my loan to Navient, I had a balance of approximately {$19000.00} - and that 's being generous. According to the records XXXX posted about 8 months prior to the buyout, my original amount was around {$17000.00} ( maybe a tad bit more ). Fast forward to the initial day Navient wrote me about their respective turnover. Navient reported an amount upwards of {$27000.00}!! I contacted many departments from XXXX and Navient and to no avail found anybody who could provide me with my original loan information. Just POOF - gone! Finally, I was able to track down a representative from Navient who informed me that any documentation prior to the buyout was not available. Furthermore, the representative mentioned that even if I had diligent record keeping from XXXX, Navient was sold the loan for {$27000.00}. {$27000.00} was the final amount - end of story. I relayed to them that that was impossible, and that the total amount given was NOT even the original amount borrowed. The representative ( s ) never sympathized nor exhibited a need to even try and make a wrong a right. I continued down the journey of paying the " crooked '' Navient system ( if you ask " why '', I further explain towards the end of this complaint ). As time went on, my account amount never decreased. As time went on, they kept on making new rules and explanations/ '' excuses '' as to why my account amount did not decrease. Not only did in not decrease, THE AMOUNT INCREASED! Fast forward to my graduation. Instead of providing me with an opportunity to secure a job with the alotted, promised " deferment '' time frame ( I believe ~ 6 months ), the first thing they did was raise my payment due. I graduated in XXXX and received a notice at the end of the month regarding my new amount due, which was {$640.00}. {$640.00}!! This must be a joke, right?! Needless to say, I still remain with the company in hopes I receive justice from the Navient system. I was advised by many to remain with Navient and fight for what is fair. I was also advised that if I left Navient that my queries as to what I rightfully owe will be null and void. Please help! Your agency was brought to my attention by alternate financial aid advisors. To add insult to injury, I just checked my Navient account today. My total amount has increased, yet again. And to make matters worse, XXXX loans that are suppose to remain at a " fixed APR '' have increased. Now if that does n't warrant assistance, I do n't know what does. Please facilitate my claim! In advance, thank you for your time and any advice would be much appreciated. Respectfully, | ||||||
| 07/13/2021 | Yes |
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| I think they sold my private information to XXXX XXXX lenders. Horrible and cruel customer service/management Lack of Communication Unfortunately, the prompts before this didn't quite explain my situation. I had just found out that my loans had defaulted and been with Pioneer Credit Recovery ( under Navient ) for a while. I was looking to get back into school to finish my XXXX and begin my XXXX XXXX to, in part, pay back that student loan debt. It wasn't until a bunch of phone calls when my financial aid was blocked that I even knew this company ( evidently in the midst of a pending lawsuit for harmful business practices ) was to collect my debt at all. So, there's one complaint right there. Now, I reached out to them on Thursday, the XXXX of XX/XX/2021 to discuss my options since I would like to get back into school. Their first suggestion? Ask your parents and your friends for money. That is just a cold and cruel request that they know is entirely realistic and they might as well have called me a XXXXXXXX XXXX. Next, they offered the long term repayment plan that seems to be the one that they are being sued for. They offered a quick robo call type explainer on it and I was informed I could ask any questions I had about it. Well, it was a ton of information. I wouldn't even had known where to begin as far as questions go. Felt like a scam to me if I am being entirely honest. And turns out, based on other complaints, it was for many other people. I decided to consider my options and hung up the phone. 3 business days later, on Monday the XXXX of XXXXXXXX XXXX I got something in the mail I had not seen in years ; A letter for a quick cash loan offer from XXXXXXXX XXXX XXXX. At first I thought nothing of it, but then I considered my situation. How odd is it that I have this conversation just three business days earlier and suddenly, out of nowhere, I am now beginning to get these types of letters again for the first time in years. So I called them again today Tuesday the XXXX of XX/XX/2021 to find out what other businesses they might have communications or affiliations with. As you might imagine, it was mostly useless and kept being passed on to the next person. Eventually, I got on the call with a manager at Pioneer Credit Recovery Inc. named XXXX XXXX. He consistently walked around my questions, opting to just say over and over again that they communicate back and forth with the government. Eventually though, he mentioned that Navient has communications and affiliation with all sorts of companies. The entire time, he was very cold. When I asked about the lawsuit, his response was that it was just people who didn't want to pay back their loans taking advantage of the system. After the advice and cruel nature of their management and business practices, I do not trust for a second that they are not selling our information to people in an attempt to make money during a time that I am certain they are absolutely hemorrhaging financially. I'm now wondering if this has happened to other people. | ||||||
| 04/07/2023 | Yes |
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| Yesterday I had a phone call conversation with two representatives from Navient 's customer advocate office who confirmed they are the ones who respond to all CFPB complaints. During the call the representatives directly contradicted their response to CFPB complaint case # XXXX on the matter of their refusal to release my cosigner in accordance with my Promissory Note. During their response to case # XXXX Navient stated I was denied cosigner " On XX/XX/2017, you were denied for cosigner release, for one reason. '' and also stated " We have enclosed a copy of the full letter sent to you on this date explaining that you were denied for only reason number 2, missing proof of graduation. ". - During my call yesterday, which is recorded, Navient stated their legal department determined that proof of graduation was part of their credit inquiry. But this is simply not true in any industry nor has it ever been outlined by Navient. I asked what other credit criteria Navient imposes and was told that was " proprietary '' information- even though my Notes clearly outline Navient isn't allowed to have any undisclosed requirements not approved by me. - More so, in their response to the CFPB case # XXXX they listed all the requirements as : you, the borrower, must provide proof of successful completion of school, be a U.S. citizen or permanent resident, be up to date and have made 12 consecutive, on-time payments of principal and interest immediately before applying, and pass a credit check including income verification when the release request is processed. ". - Navient appears to not fully understand what a comma means and if proof of graduation was part of the credit check - the requirements would not have been separated by a comma. But this is because all can see what they are trying to do. For years they stated one thing without ever reading my actual Note and once they figured out they have been wrong and have caused harm, simply can not admit fault and correct their actions as doing the right thing is not allowed apparently. - Navient is also refusing to allow me to speak to a manager or equivalent job classification in the advocate 's office and now has all calls forwarded to one " supervisor '' XXXX who has already ended a call mid conversation when he struggles to face factual information he is unable to distort or distract from. XXXX has also stated this morning that, quote, " you have no right to request to speak to a higher authority '' - meaning by his own decree which he does not have the authority to decide that I must only speak with him. Even though he has already proven he has no desire to engage in any sort of factual conversation. - Navient, DO NOT, just post a response that you send to the XXXX Department of Banking. My complaint is here with the CFPB since the conversation placed yesterday directly contradicts a prior response. -Navient needs to explain why they either lied to the CFPB in case # XXXX or lied to me yesterday which regardless has now caused great harm to my cosigner. | ||||||
| 04/22/2016 | Yes |
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| I 'm having complaints with Navient, XXXX XXXX or whatever the heck they want to call themselves these days. As I previously informed you, they have consistently misapplied my payments since I originally took out loans in XX/XX/XXXX-XX/XX/XXXX, see Case number : XXXX. Originally, they had just the private loans, but they later took over my federal loans as well. Since XX/XX/XXXX they have misapplied my payments on my various loans numerous times and take forever to rectify the situation. This most recently happened in XXXX XXXX. Although I paid the loans timely, they call my mother who only cosigned for XXXX student loan ( not even a federal loan ) and insist she pay all XXXX ( which I have already paid ). Interestingly, somehow all of the misapplication of funds go to the lowest interest loan, ( How do the misapplications never credit the HIGHEST interest rates loans???? Does that seem strange to you? I sure seems strange to me. ) Despite numerous emails and phone calls takes WEEKS to rectify the situation. Well that was done and I was willing to let sleeping dogs lies, because it 's par for the course for them. However, TODAY ( XXXX ), I get a letter informing me that they have MATERIALLY ALTERED THE LOAN TERMS without ever asking for my permission or consent. Specifically, they have DOUBLED all of the interest rates AND while I was due to pay off certain loans starting in XX/XX/XXXX ( i.e. ONE YEAR!!! ), they have now decreased my payments by approximately XXXX, WHILE INCREASING THE LENGTH OF THE LOANS BY 20 XXXX YEARS!!!! TWENTY XXXX YEARS?!?!?!?!? What. the. WHAT? @!!?! Seriously?!?! The loans were originally set to be paid off starting NEXT YEAR! This means a payment of $ XXXX decreasing to around XXXX/month next year ( so approx {$30000.00} total ) is now $ XXXX/month ( is now {$66000.00} total ). I 'm a " good '' risk, they know I 'm going to repay ... see what they are trying to do? bilk me for the TWICE the amount!? Might I repeat, I have not had difficulty repaying ANY of the loans, despite THEIR misapplications, I HAVE NEVER PAID A LOAN LATE!!! I have never asked for this? HOW IS THIS LEGAL!?!?? By this Complaint, I seek redress in the following ways : 1 ) Go back to the terms I agreed to, 2 ) Stop MATERIALLY changing the loan terms WITHOUT MY CONSENT, 3 ) Apply my payments properly AND PROMPTLY, 4 ) STOP with the questionable collection practices, my mother is elderly this is abuse of her and you should at least ATTEMPT to speak with the loan holder FIRST, 5 ) Stop with the shenanigans, do their darn job and honor the agreement as initially set forth, and 6 ) for crying out loud, BE ETHICAL -- PRETEND you believe in the decency of man ( god knows they make it hard for me to believe that anymore, but I AT LEAST TRY to treat people fairly )! I know there are a lot of people defaulting on loans, but I 'M NOT ONE OF THEM. Stop treating me like XXXX because you know I 'll repay. I 'm sorry but I AM FED UP! How would YOU feel if this had been happening to you for the past TEN ( 10 ) years? | ||||||
| 08/28/2016 | Yes |
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| I have for years been paying back my student loans at over {$500.00} a month. When XXXX XXXX sold my debt to Navient, it became much harder for me to deal with my loans. I have had several issues with Navient and their harassment. Last week I received an email from them notifying me that my monthly loan payments would be going up again as of XXXX XXXX, 2016. Of course there was nowhere online in my account with them that I could find out how much I would be paying -- the email only said I should " make sure the funds are available. '' When I called Navient to find out what that new payment would be, they told me I would be paying, monthly, {$1800.00}. When I told the agent this would be an impossible payment for me to make, and asked her how I am supposed to manage that, she said " I 'm sorry for your inconvenience. '' That happens to be the nicest response I have ever had from them, and still, insufficient. In the past, when I have tried to negotiate a more reasonable rate, they actually argued with me and said " you pay your rent, do n't you? You have money for food? If you have money for those things, you must have money for this. '' How can I get them to agree to a reasonable monthly payment that I can afford without going hungry or risking not being able to pay my rent? This is an obviously impossible payment. I simply do n't have or earn that kind of money. It took me a long time to come to a point where I could manage to make a monthly payment of more than {$500.00} but I simply can not pay more than that ( and frankly, do n't know anyone who could afford more than that ). They are totally inflexible, will not work with me on a payment I can make to them. The only thing they said they could do would be to extend my repayment time and bring the monthly payment down to {$1000.00} per month -- still impossible for me. That 's an entire apartment 's rent! I am concerned because I have been paying consistently and am worried now that I wo n't be able to make these payments and they will begin once more to harass my family. Previously, they called my father a dozen times a day, seven days a week. They then somehow learned about my siblings and, again, somehow, got their employment information and began calling both my brother and my sister on their mobile phones and at their places of employment -- which is completely unacceptable. They could lose their jobs. My mother is very ill, and the stress that comes from dealing with Navient and their harassment is detrimental to her health. They sent my father a letter in the mail saying they were going to come after his house. Is any of this even legal? How can they call my siblings, who have nothing to do with my loans, at their places of employment? This battle I have had with Navient has been a long XXXX and it is just getting harder. I am at a loss for what to do. I want to repay my loans and live in peace, but their making the unadjustable payments impossible for me to make does not help me to do that, and it does n't help them to get the money. | ||||||
| 02/05/2019 | Yes |
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| Navient ( formerly Sallie Mae ) has been contacting my family members and friends regarding my account and I have no idea how they obtained their personal information. I believe this to be a violation of personal information, not only for me, but especially for those who are now being contacted on behalf of Navient. When I applied for/obtained the student loans while attending University, I only included my own personal information and never referenced any of these individuals at any point. Thus far, two family members and my boyfriend have reported that they received calls from a Navient representative today ( XX/XX/2019 ) requesting to speak about my account. The incoming number that displayed on their phones was : XXXX and the callback number they were provided was : XXXX ( along with a reference number ). If need be, I can share screenshots of the messages I received from them notifying me of the " odd calls. '' At this time, I am refraining from sharing them because their personal names/details are viewable and I do not want to risk further exposure for any of them. I have never shared personal details associated with either of these family members nor have I ever shared any personal details related to my friend. Of the two family members that were contacted, only one shares the same last name as myself which has led to further confusion regarding how Navient obtained their personal information. Additionally, both live in a US state that is not associated with my previous residence/University and we only keep in contact through social media/email ; not even I had their personal numbers. I thought it might be possible that Navient is obtaining their information via my XXXX social media account ( although I have it set to " Private '' at the highest level ), however, it would not explain how they obtained my boyfriend 's information since he does not have any online social media accounts and he intentionally avoids sharing personal information ( especially contact details ) online. Based on the information that has been relayed to me by these three, Navient contacted the first family member ( same last name as myself ) and then contacted the other ( different last name ) approximately 30 seconds later. It is not clear to me yet as to when they called my boyfriend ( he notified me via text message that they contacted him while he was at work ), nor is it clear as to who else they may have tried calling to discuss my account. Again, I am extremely concerned as to how Navient obtained personal details of individuals whose information has not been shared with them before. I called Navient via the provided callback number during business hours, however, I was unable to successfully get them to address this. When I made contact with a customer service representative and began discussing the occurrence, they informed me that they were transferring me to a different department, and then the call disconnected. I tried calling them three different times only to experience the same disconnect. | ||||||
| 01/06/2019 | Yes |
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Web | Servicemember |
| I am a XXXX year old XXXX XXXX that works in a XXXX XXXX, here in XXXX state ; and I feel that the amount that Navient is requesting I pay is way too high. I currently owe {$140000.00} from 1-01 DL Consolidated- subsidized ( {$42000.00} ) and 1-02 DL Consolidated- Unsubsidized ( {$100000.00} ) loans. I have made payments in the past of {$240.00}, which has not placed a financial burden on me. My income at that time was the following : XXXX, XXXX, XXXX ( per US income tax returns ). I placed the loans on forbearance because I am in the process of paying off some medical and credit card debt. That forbearance will expire in XX/XX/XXXX. My problem is that when I send in my tax income tax information to determine what I should pay, per my income driven repayment plan, Navient doesnt take into account that I have other debts ( cost of living expenses ), that I have to pay as well. Enclosed is a summary of what my monthly cost of living expenses are : Mortgage + HOA expenses= {$1300.00} Utilities= {$1300.00} ( auto insurance, cable/streaming, water+sewer, phone, storage fees, and credit card payments ) TOTAL= {$2600.00} My take home income is approximately {$2600.00} working 72 hours ( I have to work an additional 12 hours to make ends meet ( $ XXXX {$360.00} for a total monthly income of {$300.00} ). So, my total monthly income is approximately XXXX. My financial goal for XXXX is to pay off 2 of the credit cards and that would free up {$270.00} ( approximately ). Navient is telling me that if I dont submit my tax income ( that of which I will ), I will have to pay over {$1300.00} per month! Considering I just reduced my phone, and cable bill by about {$200.00} per month, ( by changing carriers, and paying off the cost of my phone ), and I bought a condo instead of renting, how am I expected to pay over $ 500.00/month ( the estimate payment to Navient AFTER submitting my tax info for the Income Driven Repayment Plan )!. I also have an issue with one of the schools I attended- XXXX University ( XXXX , XXXX ) - in which there is an outstanding bill for tuition for approximately {$60000.00} ( that is included in the DL loans ). The school is closing as of XX/XX/XXXX of XXXX ; I did not complete the XXXX program ( by completing the last course ), and now I cant complete it there because the school is closing. I did withdraw from the school about 2 years ago, but I had no idea that there were closing! I currently have a letter from Navient to submit another application for Income-Driven Repayment plan, that of which I have submitted. First of all, I dont understand how Navient can charge so much for repayment ( if I had that level of income, I would surely pay it! ) ; it looks like Navient is basing what I have is gross income without considering living expenses ; secondly, why should I pay for a school that is closing this year? Can that amount be deducted from my total bill? XXXX University was a private university. I can give you the account number of my Navient account if so requested, via email. | ||||||
| 04/19/2017 | Yes |
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| On XXXX XXXX , XXXX {$320.00} was taken out of my account automatically because, I gave the company permission to take out the final balance due for XXXX so that I would have a zero up-to-date balance for the month. On XXXX / XXXX / XXXX I had to call Navient because I noticed there was a negative balance of {$54.00} on my account but, there should not have been because I authorize them to take the total payment that was due. When I called the agent told me that the funds were " improperly distributed ''. Upon the XXXX XXXX agreements to automatically extract the money from my account, I had to agree in a recorded conversation and a follow-up letter was sent to me stating that the money would specifically be extracted from XXXX particular accounts. When we I asked where did the money go they did n't give me a answer. Throughout the course of me having this loan they told me I could not consolidate my loans, I had to pay out of pocket while returning back to school in XXXX . I was told that there was nothing I can do to stop the loans while I was in school because they were private loans ( lenders in brokers of XXXX XXXX ). After months of them lying, I was told I would able to put my Navient loans on hold while I was still in school and they provided my school with the paper work to do so. After school was over in XXXX XXXX , I found out that they made me take a forbearances to hold off on the loan, owing over {$600.00} back student loan payment payment, which took me until XXXX XXXX to catch up to with the help of my parents. Today is XXXX XXXX , XXXX and as I log into my account again last month I paid {$500.00} in student loan payments, early at that. Only for them to say I missed a payment and I am being charged a late fee. In the article it states on XXXX XXXX , " Among other things, the CFPB alleges that since at least XXXX XXXX , Navient misallocated payments, steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. '' This is all true information and it continues to happen to me. You have to check everything because they are Federal lying, thieves. In addition, they hire outsourced foreign help which makes it harder to understand and takes away from the American job market. At one point I questioned who are they to determine how much money a person can pay back when their work situation does not meet the required payment amount a month. I was wrongly advised to be on the interest only program from XXXX . Due to this XXXX poor financial recommendation by, at the time XXXX XXXX . I never touch my principal loan until XXXX . When I inform them that I can not meet the high standards they 're requesting me to make due to the poor job market, I asked them should I be out i n the street homeless they told me yes! If that 's what I needed to do to pay them. | ||||||
| 02/28/2017 | Yes |
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| I borrowed money through XXXX to help our XXXX children attend college. The XXXX Loans were in addition to the small loans our children took out. Initially these loans were serviced through XXXX which later became Navient. My guarantor was XXXX. On XX/XX/XXXX my total disbursement was {$55000.00}. Due to other financial responsibilities I applied for and of course was given multiple forbearances. I was unable to make consistent payments on my consolidated loan until XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX I was charged a total of {$15000.00} capitalized interest and a total of {$880.00} in late fees. On XX/XX/XXXX I contacted Navient and they provided a copy of my payment history. My outstanding principle at that time was {$62000.00}. At that time I attempted to speak to a Navient representative but they appeared to not have a financial back ground and they were unable to answer my questions. I was told that there were no supervisors or loan specialists that I could speak with. From the information they provided to me I was not able to " decipher '' exactly how the payment history is recorded with the way they added capitalized interest to the principle column but then subtracted it in the interest column. At no point do they give you a " running '' balance due. Frustrated with the never declining balance despite payments of {$17000.00} from XX/XX/XXXX to XX/XX/XXXX I contacted the Federal Student Loan Ombudsman Program in XX/XX/XXXX for assistance with understanding this loan process. They were helpful and did initiate a case number. Their answer to me was that my loan would be paid off when I die or in the tragic event XXXX of my children dies. Since I initially contacted the Ombudsman 's I have PAID Navient an additional {$3400.00} ( 9 months ). They say my unpaid principal balance as of XX/XX/XXXX was {$60000.00}. If my calculations are half way correct I paid XXXX off my principle. XXXX % of my payments have gone to interest ( {$5.00} a day ). My payments are {$380.00} a month ( {$4600.00} a year ), my interest rate is 4 %. Interestingly for the past several years my Form XXXX always states I have paid {$4600.00} in interest. If that is the case it is costing me {$12.00} a day in interest. ( It appears they are falsifying their XXXX forms, probably in an effort to keep participants from complaining, even though if you itemize your taxes you can not claim more than {$2500.00} in interest. In XX/XX/XXXX Navient reported that my loan will be paid in full on XX/XX/XXXX and I will have paid {$90000.00}, at the total cost of {$35000.00} for borrowing {$55000.00}. I will also be XXXX. The only '' good '' ( I am being facetious ) part of this story is that XXXX my children graduated from XXXX college programs, XXXX makes slightly above minimum wage and is happy as a XXXX. Now retired and receiving Social Security I wake up every day knowing I am accruing {$5.00} a day interest on a loan I will never payoff despite trying. This gives new meaning to the phrase " till death do you part. '' | ||||||
| 04/18/2017 | Yes |
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| Thank you for taking the time to read and address my concern. In the midst of a tedious process of obtaining mortgage approval, my loan underwriter advised me that their were several 90 day late payments being reported by Navient impeding our process of moving forward. After detailed examination of my credit report I found that Navient has reported 10-90 day late payments! To add further damage, it is being reported across multiple accounts although I have always made one payment to XXXX XXXX and XXXX . It looks extremely negligent and is extremely damaging to my overall credit score and profile. However, the major issue is that all the 90 day lates being reported were on or around XXXX , during the time I was in an agreement with XXXX XXXX for forebearance. I am not certain as to why that did not transfer over when Navient begin servicing my loans. There were many times I experienced hardship, yet I always remained adamant about contacting XXXX Mae/Navient for payment arrangements such as deferment or forbearance. Since then, the accoun t ( s ) ha s been paid off and consolidated. Being a XXXX XXXX , I valu e education to the utmost. However, it is disheartening to already not be in the highest income bracket and also struggle to achieve home ownership due to late marks reported incorrectly from your previous student loan servicer. I reached out to Navient upper managment and office of customer advocate to resolve this issue to no avail. They had someone call me and I got the typical statement ... '' do you have your forebearance or deferment paperwork ''. Of course I do n't, that was 3 years ago and I had no reason to keep it. I am sure most people do not have their forebearance paperwork from 3 years ago, and Navient knew that before they even asked. Navient 's response and handling of this issue is highly finical. You would think that they have some type of incentive or reporting 10, 90 day late payments across multiple accounts. Given that these loans are paid in full and Navient was in the process of obtaining XXXX XXXX loans, one would like to think they would take the higher road an d give a former customer the benefit of the doubt. Especially, when I am reaching out saying this is really hindering my mortgage loan process. However, it is too much like right and characteristic of a reputable company for Navient to stop reporting this. Now I understand why their reputation for customer service and operations is absolutely horrible. Additionally, this explains their frequent involvement in litigation. For the life of me, I ca n't understand why Navient wants to continue to pad their reputation of how they treat customers. It 's almost as if they enjoyed giving me a hard time, and would love to misrepresent my payment history. My question to Navient is, what are you losing by taking the high road like a reputable company would and give a customer the benefit of the doubt? This approach to resolve issues, will eventually become very expensive for them. | ||||||
| 11/08/2018 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Credit Reporting Bureau Under the Fair Credit Reporting Act The information contained within my credit report can nto eb accessed without my express written consent. I am seeing hard credit hits from the dollowing comapnys, please be advised that this si a violation of possible federal or privacy laws and I am demanding that you remove this information immediately. All of these individuals have already been contacted once and I have contacted your organization on ultiple occasions in reference to the accuracy of the report that I had never asked you to publisha dn I never asked to be a participant in your systems. I am offering you one final opportunity to remove these items and if this is not done within 15 days a lawsuit will be initiated. In addition the specific references to the student loans must immediately be removed as they are under dispute. Your organization is REQUIRED to INVESTIGATE the contents that are reported onto a credit reported, once again it is obvious that this has not happened because you have been delivered ifnromation in reference to the fact that several tens of thousands of dollars of the student loans have been discharged iun bankruptacy. I have been patient and professional and your organization has continually ignored this informationa dn reporte the nature and amount of the student loans. The ifnroamton that is being published is inaccurate even after it was removed at least once. To place ifnromatin back onto a credit eport after it was removed is absolutely an issue. You are hearby ordered to remove the enclosed inquires as I have no information nor do I believe these matters to be valid. In addition I am ordering you to immediately and forever remove the mentions of any student loans. Sincerely, XXXX XXXX XXXX XXXX Distribution List : XXXX/ XXXX Iquiry Date Removal Date XX/XX/XXXX XX/XX/XXXX Busienss Type : All Banks Non Specific Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX XXXX Inquiry Name : XXXX Inquiary Date XX/XX/XXXX. XXXX RemovalXX/XX/XXXX This is an item that is for XXXX XXXX XXXX XXXX, XXXX. so this should show up on their XXXX and XXXX not on my personal Credit Account. XXXX XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX. XXXX XXXX XXXX OR XXXX XXXX XXXX / XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks Non Specific XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX REMOVAL DATE XX/XX/XXXX AUTO RESELLER XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX AUTOMOTIVE XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Here 's the problem with my credit bureaus they have completely ignored the fact that the Student Loans thata re reported are discharged by FEDERAL COURT ORDER and there is a FEDERAL INJUNCTION AGAINST COLLECTION on the loans by the CFRB | ||||||
| 06/16/2023 | Yes |
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| Navient, a student loan provider has been harassing me with bill collecting for a student loan. I have been in XXXX school consistently since XXXX working on my XXXX XXXX and XXXX degrees as an XXXX XXXX in school. This is the second time Navient has engaged in unjustified harassment. Back in XXXX, they began sending me letters and bills and calling me to make payments on a student loan even though I was enrolled and attending XXXX XXXX. It wasn't until my university VP of Finance called them to confirm I was in school and still working on my XXXX. Navient argued with the VP for two hours and finally relented but it took over 2 hours on the phone on a three-way call to get it settled. Navient is again calling, harassing, and sending letters that my payments are past due, even though I graduated in XX/XX/XXXXXXXX ( Conferred degree on XXXX XXXX XXXX ). I have contacted an attorney and it was confirmed that I have a six-month grace period that begins upon graduation confirmation. My attorney sent a letter to Navient stating such. Navient responded with a letter stating XXXX XXXX withdrew me from the program on XXXX XXXX, XXXX, which is simply not true. I let them know this. They kept calling writing and demanding pay even though I am in the grace period. I contacted a lawyer and they sent a letter to Navient. Navient continues to send me emails and billings showing overdue payments, even though I am in the grace period. I am in the process of consolidating my student loans. Navient is showing I am past due. I want to make sure Navient 's late payments are removed from my credit report. Navient has been falsely accusing my University of statements and bullying me into paying loans while in the grace period and it is affecting my loan consolidation request and credit reports. I learned that the letter was not from the DOE, it was from aidVantage which is a Navient branch. I let my employer know what was happening, they directed me to CFPB to file this complaint and report Navient for bad faith practices. I'm concerned that they are reporting I have late payments to the credit bureau which is untrue. They are stating I owe {$840.00} and also other fees added to it and I am still in the grace period. I would like to have all of Navient 's incorrect reporting removed from my credit report. I am requesting Navient to withdraw their bully tactics and credit reports that I am late to all three credit reporting entities, XXXX, XXXX, and XXXX. In addition to their false statement about my University and my enrollment, Navient sent me a letter with a return address stating Dept. of Education informing me my loans could not be consolidated until I pay Navient in full. I would like Navient sanctioned for such bad and deceptive practices, my credit restored, and a statement that my loan repayments will remain in the grace period until six months after XXXX XXXX 's confirmation of my graduation. I would also like legal fees reimbursed for having to deal with Navient lies to clear up my status. | ||||||
| 04/01/2017 | Yes |
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| I have a private student loan taken out through Navient when I attended XXXX at XXXX and at first was working with them in an attempt to lower my student loan payments. Upon my decision to turn back to school many of the emloyees there encouraged me to pay {$100.00} to put my loan into forbearance for 3 months and bring all accounts current. I had been receiving emails from a XXXX who is apparently and account manager at Navient and decided to speak with him directly. I called on XX/XX/2017 at XXXX spoke with employee XXXX and told he either went home or had n't arrived and to call back in an hour. I called at XXXX the same day, was put on hold for XXXX minutes then was hung up on at XXXX. I called back immediately and spoke with a girl named XXXX who did n't give me her ID number and all of a sudden XXXX is available, in fact, " she has him right here '' she tells me. I speak with XXXX who tells me if I pay the {$100.00} my loans will go into forbearance, all accounts will be brought current and the harassing calls and payments should go away. I set up the payment with XXXX for XX/XX/2017 under the advisement of XXXX telling me to NOT let the payment happen in XXXX or else my loan would go delinquent. On XXXX/XXXX/2017 I check my bank statement to make sure they in fact did take the payment out of my account. I spoke with XXXX, employee ID XXXX at XXXX and, after putting me on hold and " checking with her manager, '' she assures me they did indeed pull the payment. Keep in mind that on XX/XX/2017 I received my federal tax return ( including XXXX $ child tax credit for my daughter ) so there was MORE than enough money in my account for Navient to withdraw the {$100.00} I had set the forbearance payment up for. Well, low and behold, I begin to receive phone calls about paying my loans again. I call back and tell them that I 've already paid the {$100.00} to place me into forbearance and they tell me that the payment was " returned '' 10 days later. So now, it 's XX/XX/XXXX, my loan has more than likely gone delinquent because they never took a payment out that I specifically called to make sure they got and my loan STILL is n't in forbearance. I finally decide to just grab my debit card and pay the {$100.00} then and there with a man from their credit dept who is apologizing profusely telling me this thing happens all the time and that payments made via automated bank payments are n't always reliable!!! Absolutely ridiculous!!! I made the payment the first week of XX/XX/XXXX. It is now XX/XX/XXXX, my accounts STILL have n't been made current as XXXX said they would be AND my credit score continues to drop for NO REASON. I also have records and bank statements showing they never even ATTEMPTED to take the payment of {$100.00} out of my account on XX/XX/2017. This is absolutely ridiculous and I 've honestly had enough with this unprofessional, rude and lying financial lender. They need to make this right for my sake and the hundreds of others they continue to take advantage of every day. | ||||||
| 09/14/2015 | Yes |
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| Navient refuses to provide information regarding the term length of my private loans ( previously owned by XXXX XXXX ). I searched the website and emailed multiple times, trying to get an update on how many payments I have left, what type of payment plan I have, but they do not provide this. I am also trying to find out if they will provide any kind of idea of if/when my payments will go up, so I can plan out my life, but they said they do not provide amortization charts. How am I supposed to plan without knowing how long I will have to pay my loan, and/or when the payment will go up? XXXX XXXX always provided this information. How is it legal to refuse to provide the most basic information about a loan? See the email message below. They are instructing me to call them. I call and I am on hold for an hour : Dear XXXX, Thank you for your inquiry and for your business with Navient. Unfortunately, due to system limitations, we are unable to provide this information online at this time. However, you may contact us through XXXX of the below methods to request this information. If we may be of further assistance, please visit our website at Navient.com. Or, you 're welcome to call us toll free at XXXX. We 're here to help you Monday through Thursday, XXXX to XXXX and Friday XXXX to XXXX ET. Sincerely, XXXX, Your Navient Email Representative -- Original Message -- From : XXXXDate : XXXX/XXXX/2015 XXXX PMTo : XXXXXXXXSubject : Response - Other [ BSS XXXX ] [ BSS DATE=XXXX/XXXX/15 ] Account No : XXXXI am trying to find out how many years I have left of repayment, or my repayment schedule, or virtually anything about which repayment plans I am on. All of this information used to be on the XXXX XXXX site, but for some reason is not available on the Navient site. Why am I not able to access basic information about my loans? Here is another email I sent : Dear XXXX, Thank you for your inquiry and for your business with Navient. Because the monthly payment amount fluctuates as the variable interest rate of your loans changes, the amortization of your loans will also change, rendering the previous information inaccurate. In addition, the application of payments to principal and interest is not predetermined. This means that since interest accrues daily on the unpaid balance, the number of days between payments determines the amount applied to interest from each payment. For this reason, we do not provide amortization schedules. If we may be of further assistance, please visit our website at Navient.com. Or, you 're welcome to call us toll free at XXXX. We 're here to help you Monday through Thursday, XXXX to XXXX and Friday XXXX to XXXX ET. Sincerely, XXXX, Your Navient Email Representative -- Original Message -- From : XXXXDate : XXXX/XXXX/2015 XXXX PMTo : XXXXXXXXSubject : Response - Having issues with the website [ BSS XXXX ] [ BSS DATE=XXXX/XXXX/15 ] Account No : XXXXI need to see what my payment schedule is going to look like over the life of the loan. XXXX site used to show this. | ||||||
| 07/15/2015 | Yes |
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| I was a student at XXXX XXXX in XXXX, XXXX My private student loan service provider is Navient. I attempted to get on an income based payment plan to pay back my student loans and went through an income verification process in XXXX of 2015. They enrolled me in the program and took my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments directly from my bank account. On or about XXXX XXXX, 2015, my co-signers began receiving collection calls from Navient. I contacted Navient to find out why. I was advised that the employee that I originally spoke with was no longer with the company and never finished my enrollment process in the program, and that as a result, my account was considered past due because the amounts that were taken out of my account were not the full amounts that were originally due on my loans. The Navient representative told me that I had to make another payment to bring my account current, even though Navient had just taken a payment from my bank account approximately five days prior to this phone call. They also told me that because the employee never finished my enrollment process, I was " unenrolled '' in the program. I had no way of knowing I had been " unenrolled '' or that my enrollment was never properly completed. Navient never contacted me to advise me of this. I spent approximately an hour on the phone with a Navient representative again going through the process of enrolling in the income based repayment plan. I was advised that the payment I had just made in XX/XX/XXXX would be applied to my XX/XX/XXXX payment and that I would not have to make another payment until XXXX XXXX. On XXXX XXXX, 2015, I started getting phone calls again from Navient. I was advised that they could not apply my XXXX payment to XXXX, and that they wanted me to make another payment immediately, in addition to the XXXX XXXX payments. I called them back on XXXX XXXX, 2015, requesting to speak to a supervisor. I explained that I was informed that my XX/XX/XXXX payment would be applied to XX/XX/XXXX. The representative basically told me that the " processing department '' told them they ca n't do that and that I would have to make another payment immediately. I asked the representative why Navient is n't held accountable for their employees ' representations and the assurances they make to their customers. I have been advised several different things by different employees over the last few months, who continue to make false representations or fail to complete my account paperwork to rectify this situation and yet, Navient is not held accountable. At what point do I, as the customer, have any way of holding Navient accountable for the representations of their employees? This is getting out of hand and is affecting my credit.. I am trying to be responsible for my student loans and am attempting to repay them, but every time I try to negotiate with Navient, they make critical errors or make false representations and then do n't live up to those representations. Who can I contact about this? | ||||||
| 10/20/2020 | Yes |
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| As a XXXX Veteran I attended XXXX university, when I enrolled I used my chapter XX/XX/11 VA education benefits as well as the yellow ribbon program to pay for my tuition. The VA essentially paid full tuition as well as a monthly stipend to me while enrolled in XXXX university. However there was a period of about a month from the start of classes until the payment would be made. The financial advisor at the time led me to believe that I needed to take out federal loans that amounted to a total of roughly {$26000.00} ( I did not know that amount until later ) to cover for the time lapse with the VA program even though my tuition books and fees were completely 100 % covered with the VA programs I was utilizing. They then sent some of the loan money to me saying it was a stipend, or saying it was a grant from the government, but they also sent some of the loan disbursements to an account that was not owned by me, but was still said to be " stipend '' out to me. They said they sent me {$26000.00} in stipends within six months. They did not. They also told me that once the VA started paying my tuition that my loans would be cancelled, instead they kept requesting money for tuition from both the student loan providers and the VA. Then when I asked for an investigation, they changed all the records to reflect I dropped classes the first day of enrollment causing me to owe roughly {$17000.00} dollars back to the VA . They changed all my grades in there system to F 's and said I never attended classes. They had to send certifications to the VA saying that I was still enrolled to receive payments, which they did for years. Yet my real enrollment was only for 6 months. On the audit the XXXX found they had me enrolled in online classes as well as campuses in XXXX XXXX as well as in XXXX California. But the " new ledger '' I was sent reflects me dropping classes as soon as I was enrolled, which in turn caused the debt owed by me back to the XXXX. I have all the emails from them as well as emails from instructors that will verify that I in- fact did complete more attendance than they reported since my last day attended matches the day the classes start. In short this school scammed me into getting federal student loans that they dispersed to themselves. They have caused me a ton of debt and financial harm that still continues as well as lost VA education benefits that I paid into not only with my service to this country but with my money as well. I am in debt {$43000.00} as a result of a 6 months attendance that did not end with a degree. I have asked the loan servicer to forgive these debts as they are fraudulent but they will not. Stating the information they received from the schools says it is a certified debt on there end because the school XXXX University certified attendance to receive the loan amount. Yet the same school told the XXXX I dropped all my classes the start of enrollment causing me to repay thousands in tuition and BAH and resulting in a loss of education benefits to myself. | ||||||
| 07/03/2023 | Yes |
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| Navient ( Sallie Mae ), after settling a lawsuit for $ XXXX, is still reporting derogatory statuses on my credit reports for loans dismissed as a result of their illegal & fraudulent business practices including but definitely not limited to forbearance steering & payment mismanagements originating in loans taken out in XXXX and in repayment from XXXX onwards. I was directly and adversely effected and it has cost me thousands in the ensuing years in the form of higher interest rates, denied financing, and an inability to demonstrate an established good payment history. This predatory and illegal behavior occurred at a time when I was overseas on XXXX & serving in US military which only exasperated my ability to handle it quickly or effectively. I almost lost my security clearances multiple times and only maintained those by paying large lump sums of money out of pocket over a satellite phone to cover Navients predatory and purposeful mismanagement. I was working 16 hour days on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I couldnt simply step away for a minute to handle my finances as a result of a bad loan service providers actions back home within the XXXX time zone differential very easily and even if I could have for a minute, the chances of calls dropping neared 100 %. Can you imagine? As you know, this is an extremely important and arguably the most important part of having access to reasonable credit at competitive rates. To this day, the Credit Reporting Agencies are unable to remedy the situation through their normal investigative methods. Ive given these agencies detailed explanations referencing dated documentation aka PROOF. This is in addition to the public evidence brought forth by 39 State Attorneys Generals which undoubtedly provides the most insight into how this company has operated in the past and during the exact timeframes mentioned/reported in the enjoined multi-state lawsuit and displayed in bold print on my credit reports. Despite my best efforts, those damaging accounts remain a burden to this day. I am seeking a mortgage to buy our first home with my wife. Weve worked hard and weve attained good careers through dedication and hard work and we deserve our dream home and these negative remarks are an unfair hindrance to this goal. They were rightfully dismissed in the lawsuit yet remain derogatory stains ( through no fault of my own ) on all 3 reports despite my best efforts to have them removed. Im filing this complaint because it is the next step for me seeking this relief. Navient still reports derogatory remarks ( collection/charge-off/bad credit ) for 6 accounts beginning with numbers XXXX in the amounts of {$8600.00} ( opened XX/XX/XXXX ), {$12000.00} ( XX/XX/XXXX ), {$14000.00} ( XX/XX/XXXX ), {$11000.00} ( XX/XX/XXXX ), {$1900.00} ( XX/XX/XXXX ), & {$1900.00} ( XX/XX/XXXX ). Note : These amounts are nearly double what I originally took out because of their practices. Its ruinous to say the least. Assistance is warranted and would certainly be appreciated. | ||||||
| 03/21/2019 | Yes |
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| I was a co- signer with my daughter on some federal XXXX XXXX ( XXXX XXXX XXXX ) which first started ( first disbursement ) on XX/XX/XXXX in the amount of {$6200.00}. Another disbursement from XXXX XXXX XXXX was on XX/XX/XXXX for another {$6200.00}. Then another disbursement of another XXXX XXXX XXXX was made on XX/XX/XXXX for {$6200.00}. Then another disbursement of XXXX XXXX XXXX was made on XX/XX/XXXX for the amount of {$4300.00}. Then ther where two more disbursement, one on XX/XX/XXXX for the amount of {$4000.00} and one on XX/XX/XXXX for the amount of {$4000.00}. These are all the disbursements Im aware of. The total amount of the disbursements is {$31000.00}. In XX/XX/XXXX I had filed for bankruptcy. From XX/XX/XXXX tp XX/XX/XXXXI had made payments to the U.S. Department of Education in the amount of {$14000.00}. The claim amount at the time of bankruptcy was XXXX. Why was it this amount approximately {$10000.00} dollars more than what was in the disbursements. Could all the extra amount be interest? The U.S. Department of Education does not recognize that I had made over {$14000.00} dollars in payment to them during bankruptcy. I had also made a few payments to Sallie Mae before my Bankruptcy. One in the amount of {$70.00} and one for {$700.00}. Please explain why these payments have not been recognized in my payoff amount. I have since been divorced and no longer have access to payments or records of payments that where made before the bankruptcy. I have been discharged from bankruptcy since XX/XX/XXXX. The reason for me not making any more payments to the Federal Government is that I feel that my account has not shown any payments made. I do not want to make payment that never shows any record of such payments, or if they do show record, it only goes, I guess to what Navient was doing, paying interest. I feel that I have overhypaid the U.S. Department of Education more than enough in interest. I would gladly pay off loan in payments, but I do need all parties to play fair and show documentation of all payments. I no longer have confidence in being treated fairly and justly. I know of Navient shady dealings of payments back to XXXX XXXX XXXX. They are under indictment in four states for there wrong doing. I feel there is probably a lot more people with school loans out there that are also being abused with there payments. I just want answers. Navient has turned my situation back over the the U.S. Department of Education. When I try to contact the Department, I never get to speak with a representative from that Department. I feel that the public has no chance against the U.S. Department of Education if there are no way or means of communication. I have sent to separate times to the U.S. Department of Education dispute letters on such subject. Once onXX/XX/XXXX and another dispute letter on XX/XX/XXXX. There has been no correspondence from the Department of Education acknowledging these letters. Thanks for your time. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL. XXXX | ||||||
| 04/18/2017 | Yes |
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| I attended a private school called XXXX College XXXX XXXX XXXX in XXXX XXXX for 4 years. I was not able to complete the school because I ran out of funding. I do n't want to make my explanation too long because of the limited space, but I was aware of the seriousness of what was happening. I did n't graduate, and I would have to start paying my loans. I did speak to m y director, but they told me there was no other option but to leave. The school took longer that what they told me it would take. No student graduated within the time period they said it would take to complete your studies. I moved on, and unfortunately I lost my job at the time. I called XXXX XXXX which was my servicer at the time. I did n't get any sympathy. I actually became homeless. I was n't out on the streets, but I was out couch surfing wherever I could stay. I told them that, and the only way they could do a forbearance is to give them a large sum that I did n't have. I lost everything. I did n't have a storage place so I had to donate any furniture I could not carry around with me. I even lost my pets. It 's a low period in my life. XXXX XXXX did not understand, and they did not offer any solutions. My loans went into default. That was in XXXX . The servicer is now Navient. I took advantage of a loan consolidation for my Federal loans that went into effect XXXX XXXX . I took me three years to even get an apartment because my private loan was in default since XXXX . I have tried speaking to Navient, and the lowest they can take is {$200.00} a month. I ca n't afford even that amount right now. They tell me that it barely makes a dent, but it will at least show some effort on my part. The problem is that I do n't trust them, and this stems from the interactions I 've had with them over the years. I feel they should never have let my private loans go into default because I was homeless. Now they want lump sums that are way to high for me to pay I am called by different collection companies. I have spoken to about XXXX or XXXX . I 've lost track. XXXX XXXX is suing me for these loans, and different collection agencies call me still. I called Navient directly, and the always give me different amounts. I ask about the lawsuit, and some of reps say that I owe {$64000.00}, and that it is interest inflation.There other reps that say it is {$36000.00}. From my knowledge I owed {$12000.00} and if they are correct it has gone up to {$64000.00}. I am confused as to how much I owe, and to whom. The collection agency or navient. I asked navient to send me a break down of ledgers to me. I asked a supervisor, and she said she would email me the info. I have n't received anything. I stopped taking their calls and I am hoping that the court will mediate. I want clarity as to what I do owe, and do not want to be ripped off. it 's scare me that I am going to be like this for the rest of my life. I thought by going to school I was making the right choice. I feel that it was a serious mistake. | ||||||
| 05/29/2015 | Yes |
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| I have been dealing with XXXX XXXX over the last few years. Now that they have switched to Navient I have had nothing but issues with the company. In XX/XX/XXXX I was contacted by a Navient rep regarding my monthly payments. I thought I was still on a forbearance period and had no idea I was passed due XXXX months! She ( the agent who contacted me at the time ) helped me figure out a way to make a payment that could work with my budget, but forgot to tell me that it was only going to cover just XXXX of the XXXX loans. I was then contacted XX/XX/XXXX by a representative named XXXX whom was very rude and very unhelpful/disrespectful. I explained to him that I was unable to make a payment due to hardship and if there was anyway we could work something out to help me it would be appreciated. He then rudely told me I should seek a XXXX job and make my payments that way! I was thrown back by his commitment. At the time I just lost my mother due to a XXXX, she was only XXXX years old and it happened quickly,! I was in and out of work and on medical leave to help my family deal with our tough loss of our mother. Then, I have this representative tell me sorry you 're out of luck get a XXXX job! He made me feel worthless and helpless. Due to my situation I was unable to make payments or get adequate help with my loans. I recently got into XXXX and will be attending this summer or fall depending on my directors instructions. I received a call yesterday XXXX/XXXX/15 from my rep XXXX, again rudely expressed that I was a horrible person and began yelling at for trying to explain myself and the reasoning behind the missed payments. I asked to speak with a manager and it was not any better, I then asked for her supervisor and when she did I finally got to explain my past concerns and how I will be attending XXXX XXXX. We talked for 25 minutes and made arrangements for a payment the next day XXXX/XXXX/15. She also expressed to me that XXXX will no longer be contacting me and they will take proper actions with him regarding my concerns and his behavior. I also made sure she noted my account to pay the amount of {$310.00} and she assured to me severe times it is noted and her assistant is going to handle my payment the next day. So, today XXXX/XXXX/2015, I call to make my payment, was transfused to XXXX the agent who was causing me hard ache over the past months, told him to see his supervisors notes to make the {$310.00} payment, and I turn he said he saw nothing noted or an agreement noted in the system between me and his supervisor. I was so upset I hung up and ended the conversation. So I 'm back to square one and am running out of time. Again, I just need someone to help me or work with me and listen to my concerns. I have saved the voicemails from this representive as well. I have been loosing sleep over this and it 's causing me nothing but pain. I am doing the best I can with the cards I have been dealt at the moment. Please help and is there anything I can do? Thank you for your time! | ||||||
| 05/06/2020 | Yes |
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| This complaint pertains to Navient and their processing of my student loan payments. I had previously submitted a complaint ID # XXXX. Following the submission of my complaint, I received a response from Navient indicating that they were extremely sorry for the issues with my account, and that they were going to be changing my bills so that I only received 1 statement per month instead of the 2 that I was receiving. They also assured me that they had corrected all the misapplied payments and removed any late fees and penalty charges. Navient did advise that this would not go into effect until the XX/XX/2020 statement. I am now in receipt of the XX/XX/2020 statements - emphasis on the plural - and they reflect that I have an outstanding balance, outstanding late fees and I've been receiving harassing phone calls from Navient agents telling me that my account is past due and that it is adversely impacting my credit score. I've attempted to get them to review their records prior to calling me, or even after they've called and begun harassing me, but they refuse and insist that I am mistaken and that my account is past due. Navient 's blatant disregard to rectify this situation is believed to be intentional and directly targeted at trying to obtain more fees and charges and drag the payment of my loan period on so that they can reap the benefits by way of ever incurring interest on the accounts. I am given 2 separate statements each month and I make the payments in full and prior to the due date. I have several loans in each " packet ''. I do not control how the payments are apportioned, Navient does. Each and every month since they've been handling my loans ( in excess of 1 year ), they misappropriate the payments ; overpaying some loans and underpaying other loans in each packet. I have attempted to resolve this situation directly with Navient with no success. Navient 's lackadaisical response to my complaints demonstrate an intentional disregard for providing proper customer service and likely illegal activity. Navient 's disregard of the CFPB process, and their flippant response to my complaint, which was a complete and total lie is absolutely appalling and needs to be corrected. If Navient refuses to correct the situation, there will be no choice but to pursue legal action. Navient 's ongoing harassing phone calls and refusal to correct this situation is evidence of their intentional attempts to inflict emotional distress upon me and cause further financial harm. The behavior that they have displayed is not only despicable but should be punished. I am certain that I am not alone in these complaints against Navient. Surely the numerous legal defeats they have suffered does not deter them from continuing to abuse and punish their customers. I am giving the CFPB process one more chance in hopes that there is someone advocating for the consumers here. If this process fails, I will be left with no other choice than to protect my interests by more aggressive means. | ||||||
| 07/15/2018 | Yes |
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Web | Servicemember |
| I would first like to say I have never once defaulted on my student loans nor can I recall making a late payment ( not saying it hasn't happened, I am just unable to recall at the time of composing this letter. ) I have struggled with Navient and their unfair business practices for quite some time. Their representatives have always taken on a more aggressive tone when I've outreached the company over the years of my loans being in repayment ( since XX/XX/2010 ). I have always needed some type of program assistance in repaying my loans. The only assistance offered over the years has been a forbearance period ( where interest continues to accrue while not being obligated to pay ) and an interest rate reduction program. While struggling to repay loans each month, i've always made due, especially when single and without the responsibility of maintaining a household. While I continue to submit my financial status on a yearly basis, lately I have grown more frustrated as it appears that Navient continues to provide a monthly repayment amount that is not conducive to my situation. What is the point in disclosing all your financial obligations to a company just for them to provide you with a figure that THEY feel is reasonable?? I am not only repaying repaying Navient for my private loans but also repaying my federal loans through a different servicer as well. Several weeks ago, I phoned Navient ( as i often do ) in effort to discuss the figure they provided following the submission of my financial status documentation, due annually. I was provided with $ XXXX/mnth. I explained to the representative if there was any way I would be able to qualify for a lower payment as it would be a great hardship in trying to make that payment each month. The representative ( in which I regret not taking his name ) stated that there was no other lower payment options available to me. I advised the representative that it wasn't the fact that i didn't want to pay, it was more of not having the funds to pay that given figure. The representative callously informed me that if i wasn't able to pay then i would simply default on my loans ( which I am aware of ) and have them sent to collections to be dealt with. I was really taken aback by the representatives remarks as that isn't the goal of anyone who cares remotely about their credit. I am maintaining a household in which I am also the " breadwinner ''. On top of weekly daycare expenses, mortgage, car payments, utilities, groceries, medical bills, and monthly federal loans expenses, i am drowning and wish there was more that could be done in lowering my payments with Navient. It has been so frustrating with dealing with Navient regarding a plan that works for me, not just a plan that they come up with that they simply advise " it's as low as you can go. '' In closing, this complaint is more two fold, as one sees, I am not only having issues lowering my monthly payments but also having revolving issues with the lender/servicer ( Navient ) as well. | ||||||
| 04/13/2017 | Yes |
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| I attended college at XXXX from XX/XX/XXXX till XX/XX/XXXX with a break in the summer to move XXXX so I could go for my XXXX in XXXX as well. First of all the institute was not forth coming with student loans they told me that I had federal and state grants that covered most of my schooling they did not inform me of how much each private loan was or that I was signing paperwork for a loan which they stated was for receiving my books or equipment for labs. I graduated in XX/XX/XXXX a month before the stock market crashed. I was also laid off in XX/XX/XXXX. I called to consolidate my student loans when I received my first bill and was shocked it was almost {$1000.00} per month and I was unemployed they said due to the economy they were no longer able to consolidate student loans. I asked for help and they just put it in forbearance each time until it was no longer able to go into forbearance. I then asked for low income payment plan they said I did not qualify for that program. I tried to extend my payments for 25 years instead of 10 years to lower my payments and they told me that they could n't do that it needed to be paid off within 10 years. I pleaded with them and asked them would n't they rather me be on a payment plan that I could meet and make payments instead of defaulting on them and they were very nasty and not worried about my hardship. I ended up not being able to make my payments until it went into collections and the payments were XXXX per month instead of XXXX each month. unfortunately I had a family emergency and had to move back XXXX and I was unemployed again and could n't make those payments either. I have not been able to get a job in the career field that I went to XXXX for due to companies laughing at me when I say I graduated from there. Not able to transfer my credits I received from there to another school. Not to mention I received a degree that is worth nothing and having to pay student loans that are extremely high and ca n't start a new career to better myself. The school is now closed thank XXXX no one else will be robbed of their time they ca n't get back and student loans with a creditor that wo n't help you or care about what your going through to the point where your credit score is so damaged and you are not able to do anything with your life. I am so disappointed on both sides the schooling and sallie mae for not helping or caring about their customers, for extremely high interest rates, calls all hours of the day and night weekends and holidays, threatening to sue and take all my income taxes to repay student loans. Because they would not work with me so I could pay by not consolidating, extending, or payment plan for low income I have been hurt with credit score not being able to provide for myself or family. I have had to move back in with my parents not able to buy a car without having extremely high interest rates. I am hurt and feel as I have been robbed of a good career, credit, and score, I have also been harassed and threatened. | ||||||
| 05/09/2016 | Yes |
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Web | Servicemember |
| Over the past six years, I have been serving in the XXXX XXXX. Prior to enlisting, I attended XXXX, where I paid for my schooling by taking out student loans. My father had lost his job during XXXX and was XXXX. I could n't believe how easy and quick it was to get a check in the mail from Navient ( XXXX XXXX ). Literally, a six-minute application and a week later, I had instant money. No questions asked. Even though I had no credit history, no employment, and most of the time, no co-signer, Navient threw money at me. I now know this is immoral and predatory. I saw XXXX XXXX as a means of comfort, knowing that I could focus on my education, and even help out my parents at times. I had no idea what I was getting into long term. Since joining the XXXX, I have made great headway by saving and paying off large loans, reducing my interest rates with SCRA, and living on a very tight budget. When I got married two years ago, those attempts were compounded, and as a family, we saved and paid off even more debt. To date, we have paid off over {$60000.00} of my original debts. My wife 's name is XXXX. XXXX XXXX. She has worked very hard all of her life to become XXXX. She even earned a XXXX at XXXX XXXX. Her first job in our marriage was with a XXXX that we both found XXXX, she also was paid a healthy salary of $ XXXX/year. However, due to the uncertainty of our upcoming military move ( XXXX ) and an unforeseen reassignment due to my wife 's medical condition, my wife sacrificed her dream job to follow me. She has since been rehired as a XXXX for XXXX XXXX, dealing with XXXX on a daily basis. Her new salary is less than half of what she originally made. However, this job will end with our XXXX to XXXX XXXX, TX in XXXX 2016. Leaving her with no employment openings or opportunities in her field of expertise. XXXX. XXXX months after arriving at XXXX XXXX, our current student debt payment ( $ XXXX/month interest-only payments ), will skyrocket to over $ XXXX/month when the interest-only payment schedule ends. Due to my wife 's salary reduction, we have not been able to pay off as much as originally planned. This jump in payment will put us in severe financial hardship. Even if XXXX is able to secure a low-paying job, we will not be able to pay our bills. I am asking for help. Please help my marriage and my family. I am very afraid that if our current situation continues any longer, my marriage may fall apart. I want to serve our country as well as my wife, but this financial situation makes it impossible. I also want to know what my rights are as a U.S. Serviceman, to help stand up against this student loan corporation. With part of our financial burden alleviated, I have no doubt that our health will improve, our marriage will strengthen, hope will return to our lives, and I can carry on with the mission. Navient has been uncooperative, I have exhausted my XXXX resources, and I do n't know where to turn. Please help save our family. Thank you for your time and consideration | ||||||
| 11/26/2017 | Yes |
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| I am a newly graduated XXXX with {$340000.00} of student loan debt. This loan is not only daunting in number but the loan is made up of 20+ different loans with several different interest rates ranging from 3.8 %, to 3 loans having 8.5 % interest! As I am a resident, and will be in public service for the prolonged future, the public service loan forgiveness option is my best option. Thus 5 years ago ( when I graduated ), instead of re-consolidating, to at least drop the interest rate ( those 8.5 % loans are ridiculous ), I talked with my NAVIENT Loan provider and applied for the IBR plan yearly to work toward Public Service Loan Forgiveness ( 120 on time payments ). In the last 5 years, I have done my part and have been working toward loan forgiveness. This year, I finished my XXXX and in order to continue to qualify for PSLF, I chose to work at a government agency in a low income area. I decided it was time to keep all of my PSLF forms on file. When I went to turn them in, I realized NAVIENT is not a loan provider that I can go through for PSLF ( they NEVER told me I needed to switch to XXXX XXXX which I would have done 5 years ago ), and when I went to turn in the forms ( XX/XX/XXXX ), XXXX XXXX ( Not NAVIENT ), informed me that 3 of my loans did not qualify for PSLF ( THE 8.5 % INTEREST ONES!!! ) but would qualify if I reconsolidated them into a PSLF type loan which is apparently VERY easy to do. I immediately, got off the phone with them and called NAVIENT ( XX/XX/XXXX ) and asked the loan provider if I was still on track for PSLF. She stated that I was. I asked to look in more depth, and she said " oh wait, it looks like 3 of them are n't " she stated, however, that it was very easy to reconsolidate into the proper loan but that those 3 loans would then start at day 1 of the 120 on time payments of loan forgiveness!!! Those loans are not small either, currently they are around {$62000.00}. NAVIENT should have ABSOLUTELY informed me of this 5+ years ago!! Additionally, if they could not have reconsolidated, they should have provided me with the option so I could reconsolidate to a lower interest rate with a private company!!! I was obviously frustrated with this, and told her I wanted to reconsolidate into a loan that counted. She sent me an email to do this, however, the link they sent in the email does not actually work, and when you go to the website there is no easy way to do the consolidation. I truly have to say, as a person who is the first to graduate from high school in their family, who is trying their absolute hardest to succeed, the american government has to do better than this! I trusted my loan provider and I was absolutely misguided. You may say, well you should look at the loans and check which ones qualify, to that I say I have every single year when I sent paperwork in for IBR. Additionally, if a NAVIENT Loan provider cant even tell which one of my loans qualify without looking more in-depth at each one, how am I supposed to tell which ones do n't? | ||||||
| 05/16/2017 | Yes |
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| ( I have dates later on/for recent events but as issues started in XXXX, I am really unsure of the start dates. ) As I can show through documents, they have been reporting I 'm paying XXXX $ on my Navient Account History private loan/Tuition Answer statement. However, in my bank statements from XXXX XXXX and XXXX XXXX ( and for who knows how long prior -- I 'm working on getting those statements ), they 've been taking XXXX $ out. The bank shows the XXXX taken out on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and Navient shows the XXXX $ taken out/posted on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Also, the amount going towards principal varies in ways that do n't make sense. I realize that the amount can changed based on how much is owed. However, in XXXX of XXXX, XXXX of the XXXX went to principal ; XXXX/XXXX/XXXX XXXX towards principal of the XXXX ; XXXX/XXXX/XXXX an unknown adjustment of XXXX cents added to principal balance ; XXXX/XXXX/XXXX XXXX paid to principal of the XXXX payment ; XXXX/XXXX/XXXX XXXX paid to principal of XXXX ; XXXX/XXXX/XXXX XXXX towards principal of XXXX payment ; XXXX/XXXX/XXXX XXXX to principal of XXXX. Should n't the amount going to principal go up or at least remain consistent if the loan is n't going up and payments are posting on the same days each month? I have not called the company on this particular issue yet because I want to document how long this has been happening with an outside source first. I do not trust that left to handle it on their own, they would do so in an appropriate manner. I have attempted to address other issues simply to find myself on hold and with little clarification on issues. ( I also can not log in as myself -- it says I am disabled from it but my husband ( co-signer ) can log in. This tends to be a running theme. ) This is particularly true because prior to entering into the for-profit world, I found them difficult in terms of repayment options. This student loan is a private one that I took out while waiting for federal options to become available. The loan is significantly higher than when I started. I had a lot of trouble getting the payments lowered and was instructed more than once that my only option was pay the full payment amount at a high interest rate or forebearance. At one point, I was told the only way to get my interest rate lowered was to stop making payments ( to get a program that would be much like a mortgage relief loan but turned out to be a reduced interest program whose structure I still do not understand. ) The forebearance 's caused unpaid interest to capitalize ; which I was made aware of. Anyway, in XXXX I left non-profit and started making full payments. Now, I am finding that I am still not consistently paying on the principal and that they are taking out more than what they are showing as applied. I am working on going back to XXXX to see if they were taking out more than is reporting on the Navient website/account history for longer than the last 2 months. Where did the extra XXXX $ a month go? | ||||||
| 04/28/2017 | Yes |
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| My Student Loans are mostly managed through Navient but also through XXXX I live in XXXX but am a US citizen. For almost a decade now I have been repaying my XXXX student loans and my law school student loans. I have two types complaints the first is general regarding both Navient and XXXX . The second is specific to Navient. 1 ) The options for repaying student loans from a foreign country are MISERABLE. While I understand that loan repayments must be made in US d ollars, this leaves me with the option of mailing checks or money orders in US . This is not a problem save for the expense of mailing XXXX checks to XXXX different places ( about {$6.00} extra a month ). My real concern is that these companies continue to tell me they prepare invoices and mail them 20 days before they are due. There is no way to change that except through registering for e-notices. I do not want to go this route but my bills often come days after they are due. I live in XXXX outside XXXX so it is not like it should take that much longer to reach me. 2 ) Navient : I am sure you get tons of complaints about navient 's services. Their automated telephone receptionist is beyond unhelpful. As i said, I live in XXXX so there are always problems with my questions, e.g. payments. I can not reach a live person on the weekends ( i tried 4 times on XXXX XXXX only to be disconnected when i asked to speak with a representative ). I called regarding a loan payment that bounced because of a banking issue. That was corrected and Navient told me the payment had gone through on Friday. I wanted to make sure after speaking iwth my bank on XXXX XXXX and could n't reach anyone. I then called on XXXX XXXX , XXXX at XXXX XXXX to make sure again that the payment was fine. IT was not and I had a past due amount. When i attempted to make the payment over the phone I was informed they no longer took CC which is insane and the only way I could make payments in the past over the phone as i have no US bank account. They then took my debit card information and told me it went through but that I should check back. Again, that is insane. They charged me interest on the past due despite my efforts to make the payment and ensure things were corrected. Then I was told that they would charge me interest until my loan check arrived by mail if the debit card did not go through. This is unacceptable. I have made considerable efforts to ensure that I pay my loans on time including getting a US $ checking account at my XXXX bank. I am responsible for late fees despite getting invoices after they are due and while my check is in the mail to them ( an extra 7 days ) I have no options to make payments directly. Rather than make it easy to make loan payments and keep them current, Navient has reduced my " emergency '' options when a problem rarely occurs. I can not correct the problem and have to rely on smail mail at my cost and with interest while it works its way to Navient. | ||||||
| 07/31/2015 | Yes |
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| Navient/XXXX is prohibiting me from deferring my private student loan as I pursue my XXXX degree at the University XXXX XXXX XXXX in XXXX, PA XXXX. They are claiming that because I worked between my XXXX ( when the loan was initiated ) and XXXX degrees, that two different in-school loan-deferment types applied and that the deferment type applied during my XXXX degree has a four-year time limit ( which is nowhere to be found in my loan disclosure documents XXXX. Getting a XXXX degree have different timelines depending on your research area. NavientXXXX made me go on forbearance having me pay {$50.00} per XXXX months XXXX after each one expired ), because they said that it was my only option. Then, after XXXX forbearances and collecting {$200.00} later, they denied any further forbearance applications because they claim that there is a 12-month forbearance time limit, which again is undisclosed ( i.e., not in any communication documents for the forbearance ). I was then forced to take an unsubsidized Stafford loan -- -at a higher interest than the private student loan -- -in order to start paying off the NavientXXXX loan XXXX I am paid a stipend that only covers my daily living expenses and, thus, unable to start repaying my student loans. XXXX The purpose of in-school deferment is to defer the loan payments because the borrower is in school and earns little to no money to start paying off loans. Note that Stafford loans work this way and do not have different types of loan deferments and have no arbitrary time limits. XXXX The latest communications I have with NavientXXXX about my in-school loan deferment ( around XXXX 2014 XXXX resulted in their collections department representatives verbally harassing me that I needed to start taking responsibility for my loans, even though I am not in loan default. These phone calls should be in their recording archives, and I would be shocked if their XXXX XXXX department is not appalled by what they said to me. ) Navient/XXXX has made up these arbitrary time limits while my loan is still active. All the documentation they provided me do not have these arbitrary time limits. These arbitrary time limits are not in my loan disclosure statement, in particular. In addition to getting the financial matter resolved, I am requesting CFPB to investigate Navient/XXXX business practices on managing private student loans. ( P.S. When I first paid a bulk of my private loan using my new XXXX loan in XX/XX/XXXX 2014, Navient did not honor my loan-disclosure right to partially payoff my loan. They instead held on to the bulk money and put my account on a pay-ahead status, deducting only what is due every month from the bulk money that they held. It took over XXXX months of phone calls for them to implement my loan-disclosure right to partially payoff my loan. Dealing with Navient is the most frustrating experience, and I hope that CFPB will investigate their practices to avoid any other student to go through what I have gone through. ) | ||||||
| 09/15/2015 | Yes |
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| Navient since it has changed to XXXX has been nothing but a customer service nightmare personally. I have tried to work with this company several times within the last 4 years. I have called to set up payment plans, discuss low income options, and also deferment options. All options were declined. They only gave me XXXX options to settle. XXXX of which was to pay the total bill in full which is XXXX. The second option was to have monthly payments but to put down XXXX grand to start the payment plan. I could not afford either option. I was willing to work with them. However, they were not willing to work with me. Since then, I have been working with a nonprofit Obama program ( for federal ) and a Bank ( for private ) program that is going to consolidate my loans for me so I would not have to deal with Navient. Today, however XXXX XXXX called me, at my place of employment. I have told Navient several times not to call me there and they still continue to disregard and disrespect my requests. He argued with me about my bill, he was trying to talk over me, and when I told him that I was working with another agency because Navient would n't work with me, he stated that no other program could help me because it is a private loan. Side note : There are plenty of agencies and banks willing to reconsolidate student loans. For example, XXXX Bank consolidates private and federal loans into one. I feel like he was trying to persuade me otherwise. He told me he is calling to collect a debt ( as a debt collector ) because the bill had been transferred to a collections department. He told me that he could " work '' with me and started fishing for information. Does Navient have their own collections agency? I told him several times that I was at work. I told him I can not talk due to the nature of my job. He insisted on getting more information. I told him an accessible time he could call me and he told me that he could n't because he does n't work at that time. I requested for him to assign me to someone else who could work with me at a time that is convenient and he ignored me. Again, the company is not working with me. He wanted the names and numbers of the agencies that I was working with. Is that not totally and completely unprofessional? And why would a business who already has their own privacy policy expect to get any other information from another business that has their own privacy policy. I believe their practices have n't changed since they changed their name from " XXXX '' and neither has their ethics. I offered to make a payment plan. It was declined. I asked to have another option, maybe a deferment or a low income status, it was declined. When I specifically asked them not to call my place of employment, the ignored the request and representative XXXX did it anyway, expressing there was no memo ( Even though I know there was XXXX ). All the representatives that I have spoken to along with XXXX XXXX from Navient ( XXXX ) were rude, inconsiderate, and unprofessional. | ||||||
| 06/02/2019 | Yes |
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Web | Servicemember |
| Accepted the original loan with Salliemae on XX/XX/XXXX while attending the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, FL. I was told that I would be able to refinance the loan for a lower interest rate at any time, however the Salliemae and the current owner of the loan, Navient has never allowed me to do so. In XX/XX/XXXX I offered to settle the loan with {$20000.00} that I was able to save while on XXXX in the XXXX but was told that they do not settle for less than the full amount. Since then I have still been affiliated with the XXXX as a XXXX while working as an XXXX XXXX up until XX/XX/XXXX before I XXXX again, while still working on my XXXX which I just completed on XX/XX/XXXX. In early XX/XX/XXXX although I was working, I really struggled to make my monthly payments. I was threatened with my loan being reported as defaulted and losing my vehicle and being sued. I have never resisted repaying the loan due to negligence, I simply just cant pay an amount that I do not have. Only after 3 months of phone calls, did they finally offer me a reasonable repayment plan but only temporarily and after months of damaging credit which has hindered my ability to refinance with anyone else because of the delinquent history. Even while under the interest rate reduction program with automatic payments from my checking account, I have encountered issues with them not withdrawing the money. Specifically, in one instance after hurricane Irma and Maria, I called to inquire as to why they did not debit my account for the agreed monthly payment? I was told that the payment was waived because of a natural disaster declaration, but the next month when I called because I noticed the date had passed from when they would have charged my account, nothing was pulled. This time when I called, I was told that I had violated the terms of the program and had to pay a provide information to be accepted into another program which required a higher monthly payment. As a current XXXX, I am trying to find better employment to be able to meet my obligations, but currently I can not support what they are asking monthly for {$56000.00} loan gown 4 times the original amount with a 15.375 % interest rate. The school that I obtained the loan counseling through doesn't even exist anymore so there is no one available to challenge about the information they explained to me and now there is a different institution listed as the school where the original loan was acquired. I very seriously doubt that they have any interest in making things simpler for me, really just want to make more money on a smaller loan principle 15 years old. Any information that would help to just obtain reasonable terms at the least would be greatly appreciated. I understand that there are very little regulations on private loan servicers but I am a 13-year veteran still XXXX in the XXXX XXXX, with a family of XXXX that I have to support. I have every reason to comply and pay my debt, just difficulty doing it with varying terms. | ||||||
| 03/08/2018 | Yes |
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| I have 2 private installment loans through Navient that have defaulted due to Navient 's refusal to work with me on an affordable payment plan. My loan became due shortly after graduation in XX/XX/XXXX, and after exhausting all deferment and forbearance options, they offered me a very unreasonable Income Based Repayment plan of over {$500.00} a month. I begged and pleaded with them to see if we can look up any other options and they flat out told me NO. They simply said that if I can't make the suggested payment, then my loan will go into default status, and ruin my credit. 9 years later I have two charged-off accounts that Navient sold to a debt collector about 2 years ago, when instead it should have fallen off of my account after 7 years in the Charged-off status. Once defaulted, and over the period of 9 years, I have gotten harassing phone calls multiple times a day beginning around XXXX and not stopping until well after XXXX every single day. Once Navient sold the loan to a debt collector about 2 years ago, the debt collector scared me into making interest payments of about {$120.00} a month. That continued on for about 6 months before I simply could not make the payments any longer. The debt collector used scare tactics such as taking me to court, suing me, as well as garnishing my wages and taking my tax return. If Navient initially offered me a reasonable payment plan, I wouldn't be in this mess to begin with. Instead, they insisted that they couldn't help me and basically forced me into a default status ruining my credit. Because of these 2 private loans, and only these 2 private loans, I am unable to purchase a home of my own, and have been paying double in rent than I would be paying on a mortgage. One private loan had an initial balance of {$16000.00} and has since skyrocketed to {$35000.00}, while the other private loan had an initial balance of {$12000.00} and has since skyrocketed to {$25000.00}. These new balances include late fees as well as interest. I also have federal loans through Navient, and because they are Federal, I had been given way more options to relieve high payments. While since the beginning of XX/XX/XXXX or earlier, I have been given the option of an income based repayment paying {$0.00} every year. My Federal Student loans, however, are on hold with Navient due to government investigation of the loans as well as the school that I had attended. This school has since been shut down, making my credits towards classes as well as degree null and void. Since attending this school, they have sold it to a different company which has shut down all classes pertaining to my degree, and will be shutting their doors in the very near future, if it hasn't happened already. This school was also never honest about these private loans and never disclosed what a payment would be upon graduation, nor did they inform me of how few options I had to pay these loans back. They certainly never explained that they were different from Federal Loans. | ||||||
| 01/07/2023 | Yes |
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| Department of Education YOU HAVE BROKEN THE LAW. I notice that you placed incorrect information in my consumer report. Any late payments are considered a transaction and experience, which is prohibited from being reported on my consumer report. Also, if you are going to report payment history, being late starts at XXXX days and you have it starting at XXXX days late. There are only XXXX days in a month so how could I be current on payments XXXX month and XXXX days late the next month. 35 % of my calculated consumer score comes from XXXX history and by you reporting incorrect information you are letting others know I am not creditworthy. Below is the law you have broken and violated my rights. Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( XXXX ) In general. The term consumer report means any written, oral, or other communica-tion of any information by a consumer reporting agency bearing on a consumer 's credit worthi-ness,1 credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the pur-pose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the con-sumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affil-iated by corporate control; or ( iii ) communication of other information among persons related by common ownership or af-filiated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you know, each violation is up to {$1000.00}. Not including the actual damages done to me for not being able to get the house I wanted, paying high car notes because of the interest rates, and not being able to get other things. I want you to fix this immediately and compensate me for the damages you have done to my reputation. | ||||||
| 08/02/2022 | Yes |
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| In XXXX of XXXX, I was approved for a XXXX XXXX XXXX XXXX loan. I was in deferment while I was in school until I XXXX. From XXXX I received calls and emails from XXXX and Navient. In XXXX recognized on my credit report that my loan appeared to be to be transferred to a company named XXXX without my knowledge of any sort. I made payments between XXXX until XXXX XXXX. In XXXX I requested my original contract. I received a XXXX data dump that states it's from XXXX. I did give me my original contract. Navient along with the other companies listed intentionally mislead and deceived me about their payment process, their obligation to honor the previous loan agreement and their compliance to fairly offer programs that helped borrowers in hardship in compliance to the FDIC. In my experience with Navient I've only been provided the opportunity to utilize a forbearance or interest payment only. In XXXX, I paid on my loan during the COVID grace period for the amount that was required so I could pay down my loan on the principal once the grace period was over. I allowed automatic payments due to the " program '' I was in prior to the lockdown to bring me current in my loans. Once payments resumed consecutively, I noticed that my monthly payments were not doing much for my principal and contacted Navient to inquire about my balance in XXXX. I was informed that they the payments they took out did not go towards a full payment to bring my balance down but was put aside to pay past due amounts that accrued during the student loan pause for XXXX and XXXX. I did not agree to those terms and asked for the amount that I've paid towards my loan. The representative could not tell me due to her not having the calculations available. I requested for my payment history to be sent to me and in XXXX of XXXX, I received a payment history along with a partial promissory note. I decided to go back from XXXX to present day to compare discrepancies and I strongly believe Navient/XXXX are all the same company and have exploited my living conditions and credit score to bind me to a loan that I believe no longer exists. In XXXX, my XXXX became deathly ill from XXXX XXXXXXXX XXXX. He was misdiagnosed by his primary care physician with the XXXX and contained to the XXXX XXXX XXXX XXXX for 21 days. I also had a XXXX XXXX XXXX daughter at the time and we all lived in the hospital for those 21 days. My son currently suffers from incurable XXXX, XXXX XXXX, and XXXX delays. At the time I was advised from my teachers to resign from school because of how deadly my son 's condition would be. I have expressed, explained and pleaded with Navient to help me with the payments but they always told me there was nothing they could do beside forbearance and interest only.B. I've tried to make as many payments before I became aware of their deceiving and illegal practices. If there is anything extra that is needed from me please notify me so I can provide any extra documents you may need. Thank you XXXX XXXX | ||||||
| 01/20/2017 | Yes |
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| XXXX and then ( once the loans were transferred ) Navient both had continual and ongoing issues with properly allocating my payments on my loans. I currently have XXXX different loans with Navient. When I would have a payment of nearly {$1000.00} auto drafted out of my account to Navient to pay my loan I would constantly find myself receiving phone calls for past due and delinquent loans. Even though I was having my payment automatically drafted, Navient would constantly misapply that payment among my XXXX loans, despite us agreeing exactly how much I owe on each loan for each payment. Some loans would be overpaid and some loans would be underpaid. I would receive 5 or more harassing phone calls every single day about the underpaid loans because their system would show them as delinquent. I would have to call Navient to explain the situation, which would take anywhere from 45 minutes on the best day or up to 2 hours on a bad day. I would be transferred 3-4 times and often have the call " disconnected '' and have to call back again and start the whole process over. On average, I would estimate my call would be " disconnected '' about 30 % of the time and often after having being transferred multiple times and on the phone for over 30 minutes already. I would eventually be told that they would have to refer my issue to the finance reconciliation department so they could figure out what was wrong and fix it. In the mean-time I would still get harassing phone calls about being delinquent and be assessed late fees on the loans that were underpaid. After a month or two the finance department would " fix '' my issue and reallocate my payments so that all loans were showing paid up to date. The problem is that while the finance department fixed my allocation on previous payments manually, the actual system that kept messing it up was never fixed. This led to my very next payment having the same exact issue and then once again I was showing over paid on some loans and underpaid on others. This would set off another chain reaction of harassing phone calls, late fees, and hours upon hours of my personal time stuck on the phone with them while they ineptly tried to figure out the problem. Even when I would explain to them that their system was messing it up and I knew exactly what the problem was because I had dealt with this before, it would still require a 90 minute phone call and several transfers. This occurred on and off for over 2 years and their constant removal of payments and reallocation of payments has made it completely impossible to accurately track my progress of payments on my loans online and ensure that my principle is being adequately reduced ... and I am a college educated XXXX. After years of poor management of payments, incorrect application of my payments, several hours wasted on the phone, etc ... I am concerned that Navient is not capable of managing my loans accurately and I am afraid I am going to end up paying more due to this mis-management. | ||||||
| 07/20/2017 | Yes |
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| I graduated from XXXX school in XXXX and since then I have worked continuously as an XXXX for the XXXX XXXX XXXX. In XX/XX/XXXXI consolidated of my Federal Student Loans ( about {$130000.00} ) through Direct Loans under the Income Contingent Repayment ( ICR ) program so that I would qualify for the Public Service Loan Forgiveness Program after 10 years of repayment. For the past 6 years I have made all of my payments faithfully. It is my understanding that the Direct Loans program was ceased and all federal student loan servicing was passed to XXXX XXXX, which was then passed to Navient. During each transition I have continued to pay faithfully. During a routine customer service call recently with Navient, I was informed that my loans were not on the ICR program and that I would not qualify for the Public Service Loan Forgiveness program. I was told that when Direct Loans was ended and the servicing was transferred to XXXX XXXX and then to Navient, that my loans automatically reverted to a standard repayment program. Which makes no sense at all because XXXX XXXX and Navient ca n't possibly change the terms of my repayment program unilaterally without any sort of notice to me. You can see in the document I attached from Navient there are highlighted references to me being an ICR borrower. In order to start to untie this mess I asked for Navient to produce a copy of the terms of my loan and the Promissory Note from the consolidation in XXXX. ( Which is the promissory note that underpins my obligations. ) Numerous times Navient customer service reps have claimed that Navient does not have a copy of the Promissory note or the terms of the loan given in XX/XX/XXXXand that I would need to secure it from the Department of Education. As the servicer of this debt though, Navient is required to be able to produce proof of the debt they intend to collect, right? Meanwhile the DoE is claiming that they do n't have any copies of the Promissory note or the terms of the loan from XX/XX/XXXXand that I would need to contact Navient. So each party is pointing the finger at the other and no one seems to actually know the terms of my debt and repayment. After contacting the Navient office for client advocacy and trying to make headway with my case there, my loan servicer was suddenly changed again to XXXX XXXX. Then suddenly I received notice that the terms of my repayment had been altered and I was provided with a standard repayment schedule at ~6 % interest. But the notice to me had not indication concerning WHAT had actually changed and what the terms were before the change. In addition XXXX XXXX also seems to have no idea about the fact that I was under an ICR program dating back to XXXX. I really need some help here. Qualifying for this program could means tens of thousands of dollars if not more than one hundred thousand dollars. Please help me to untangle this mess so I can complete my payments and put this debt behind me. Thanks very much in advance for your help. | ||||||
| 12/31/2015 | Yes |
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| To whom it may concern : I am a Navient customer. Up until recently due to lack of communication, I have never been past due or late with a payment. I was on an interest only payment with XXXX that rolled over to Navient but then the arrangement ended. I was notified prior to that the arrangement would be ending and i was proactive with reaching out to see what other options there were. My interest only payments were {$85.00}. That then jumped up to {$210.00}. I was informed that in order to see what options there were I needed to not my a payment and call back after my due date of XXXX/XXXX/15, so I did. When I called back I spoke with countless representatives and supervisors all who said they needed my financial statement and my cosigners statement. Now, I have n't had any real communication with my cosigner for some time now but i sent an email to her with the hopes she would call back and complete the financial statement. I received an email back saying that she had done so. I called Navient back and spoke with XXXX XXXX ( id # XXXX ) on XXXX/XXXX/15 she informed me that she could send over a review for a 15 month program of {$160.00}. XXXX called me back on XXXX/XXXX/15 and left a message to call her back. When I called back XXXX told me that her XXXX denied the program due to no financial statement from my cosigner. I informed XXXX that the financial statement was completed and several other reps confirmed this info. XXXX placed me on hold, came back and confirmed the same info. With XXXX i set up automatic payments of {$160.00}. She informed me that the 1st three months are known as qualifying months to sure the manager I am able to make good on the payments, after the three months then the arrangement will start that 4th month. My first automatic payment came out on XXXX/XXXX/15. I waited a few days and called XXXX/XXXX/15 to figure out why my account showed past due. I spoke with a rep who informed me that after the qualifying months I would not show any past due balances. That rep placed me on hold and came back to say my programs was denied ( according to her supervisor ) I asked to speak with her supervisor. XXXX XXXX ( id # XXXX ) in the Delaware office is the info he gave me, was really short, rude and very disrespectful. I asked him for the corporate customer service number or address and he said he will give me the number to regular customer service and I can deal with them. I asked him to read me the notes on my account and he refused saying, " The bottom line is that we 're not lowering anything for you '' " Ma'am, ma'am, i 'm going to release this call if you dont let me talk ''. He was completely unprofessional, i became extremely irate due to him talking over me and not letting me ask my questions. I hung up and called back to cancel my auto payments and the rep and supervisor i spoke with were a little nicer. At this point I would like my original arrangement to be honored or a deferral until I can come up with {$210.00} monthly. | ||||||
| 04/19/2018 | Yes |
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Web | Servicemember |
| My original Federal student loans for approximately {$30000.00} when I graduated in XX/XX/XXXX were purchased by XXXX. At the time I was making multiple payments each month for several student loans taken out during the course of my college education. XXXX approached me about consolidating these loans which I agreed to but they also extended the loans from 10 to 15 years which I wasn't aware of and would not have agreed to. So in essence my loan consolidation ( which I agreed to as a convenience also turned into a loan EXTENSION. Five years later my XXXX loan ( s ) were purchased by Navient which, after faithfully making payments for the past 12 years, claims I still have a payoff balance of over {$15000.00} which is more than half of what my original student loans were for. I have documentation from Navient showing I have already paid back over {$22000.00} since XX/XX/XXXX. They have not provided me with payment history from XX/XX/XXXXto XX/XX/XXXX which should be around {$12000.00}. I dispute that after paying back over {$33000.00} over the past 11+ years that my payoff balance is still another $ XXXX. I have been trying to contact Navient for over 6 months but have been unsuccessfully at being able to get them to answer or return my calls. Seeking external assistance I opened a case with the Ombudsman group in XX/XX/XXXX. The person assigned to the case spent the next several months getting Navient to send their documentation. In late XXXX he was able to forward me copies of my loan repayment history from XX/XX/XXXX-XX/XX/XXXX ( nothing from XX/XX/XXXX-XX/XX/XXXX ) along with the XX/XX/XXXX promissory note for my loan consolidation/extension which shows I only consolidated one loan for the amount of {$1000.00} and loan payoff sheets stating that the loan with interest would total approximately {$26000.00} ( I'm unsure of exact number because of the barely legible fax sent by Navient ). The Ombudsman case was closed before I had received the documentation and was able to call back with my understanding of the documentation and how it appears to contradict Navient 's claim that I still owe them {$15000.00}. I am in the process of trying to get the case re-opened but have been told it may take up to 30 days and there is no guarantee it will be reopened. I have spent the past 6 months unsuccessfully trying to contact Navient and to work the Ombudsman group and I have made zero progress with my dispute. I have found several reports online that Navient has been sued several times for their mishandling of student loans and feel that I may be another victim of the same or similar practices. student loans and poor customer service. I am hoping that filing a case with the CFPB might help me with this situation by either forcing Navient to return my calls and to explain how they've handled my loan payments and why my outstanding loan balance is not much closer to being paid off now than when I first started making payments on it over 12 years ago. | ||||||
| 01/28/2017 | Yes |
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| As a XXXX school student in XXXX, I took out a private student loan with my step-mother as a co-signer. I graduated with honors from XXXX ( XXXX, which closed its doors in XXXX ) in XXXX and worked as a XXXX for the next six years. In XXXX, I decided to pursue a degree in XXXX. I graduated XXXX from XXXX University, XXXX with a XXXX in XXXX in the XX/XX/XXXX with aspirations to work as an XXXX. Since graduating, employment has eluded me, and I worry that given the current government takeover by the Republican party few job openings within public service will be available. The years surrounding my attendance at XXXX were a brief period of reconciliation between my father and I. My father appeared to be supportive and offered to help me attend XXXX school, which it is important to note was contrasted by years of XXXX. At the time, I believed we could get past our history and XXXX. Although I have cut off communication with him, we seem to be eternally, financially linked because of this private student loan. Before returning to school in XXXX, I was able to pay off nearly half of the balance of the Signature student loan, but XXXX XXXX was never willing to assist me in removing the co-signer, my step-mother, from the loan agreement. In school deferment enabled me to return to school, but ran out in the middle of my senior year, XXXX XXXX. The last year has eaten up the last of my available forbearance, and I am now being threatened with default. Bear in mind that throughout the history of this loan whenever a payment was misallocated or late, or forbearance/deferment was applied to the wrong loan, XXXX XXXX, now Navient, called my estranged father and step-mother ; they do n't call me, they call my XXXX father, and then he calls me. It is crucial that you grasp the XXXX this poses to me. Finding myself in this current financial crisis is only exacerbated by the looming risk of regular, XXXX from my father. In a state of XXXX, I have spent the last few months trying to find any assistance or relief from this loan, however, Navient can offer me no path under my current financial situation ; I, essentially, do not qualify for any program offered by Navient that would go towards lowering payments, removing my co-signer, or delaying payments until my financial position improves. Nonetheless, I find myself encouraged by the recent lawsuit filed against Navient by the Consumer Financial Protection Bureau ( CFPB ) given that I believe many of the complaints in the lawsuit apply to my circumstance, but fear that the appointment of XXXX XXXX and the election of President XXXX may thwart those efforts and put my new federal loans in jeopardy of being on a similar tract. I see nothing in the way of a stable, financial future for myself if any or all of my student debt is sold to a private, third party not required to work with me on repayment, and I am relying on you and other like-minded politicians within the Federal Government to come up with an answer. | ||||||
| 01/26/2017 | Yes |
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| I took out several student loans from XXXX to XXXX that were consolidated into XXXX FFEL loans in XXXX. I have been paying on these XXXX loans for 20+ years. According to Navient, I still have XXXX more years ( XXXX XXXX, XXXX ) to go until I will have paid them in full. I had a Chapter XXXX bankruptcy, job losses and had various forbearances over time. I still owe approximately {$38000.00} which is close to the original amount I took out 20 years ago. I pay around $ XXXX/month and have paid almost the original amount off. I have looked at refinancing the XXXX loans before and I have gotten turned down as I have not been out of my bankruptcy for 9 years. The loans were consolidated once. My XXXX score is close to XXXX and I make $ XXXX per year working very hard in public service for the XXXX XXXX . I know that if I took out a 10-yr consolidation loan I 'd be able to pay off the XXXX FFEL loans for around the same monthly payment I 'm making now. My current interest rate is +/- 8 %. I feel I am being taken advantage of by Navient since they are missing all of my payment information from XXXX to XXXX. I paid XXXX XXXX from XXXX to XXXX when I entered into a Chapter XXXX bankruptcy which I successfully completed in XXXX. Interestingly, none of my payments during those 5 years I was making bankruptcy court payments made its way into paying off any principal - only interest - and now both XXXX XXXX and Navient have conveniently lost my payment info ( yet somehow Navient did obtain my payment info from XXXX to XXXX, but not XXXX to XXXX - 15 years of data )! Neither XXXX XXXX nor Navient have any of my 15 years of payment info! I know I have paid off the original sum in full, but over the years they have both deceived me by failing to disclose exorbitant fees and penalties which compound interest so that I will never pay off these loans For example, my apartment suffered damage as a result of a hurricane last XXXX and Navient contacted me via email and instructed me to contact them if " you need payment help due to recent natural disasters. '' I did call them and was old that Navient would n't require payments for two months from the time of my call to help me out after the hurricane. What they did n't tell me was that interest would be accumulating as usual, so it would have been better off not to take the forbearance and just pay them while cleaning up after XXXX Hurricane. In addition, I accepted a XXXX offer in XXXX primarily due to the public service debt repayment benefit. I was devastated to find out after accepting the job that I did not qualify from r this program since my loans had been consolidated - this after already trying to pay them down for 20 years! These deceptive practices have taken a huge financial toll on me over the years. I ca n't make ends meet, I ca n't stop Navient and XXXX XXXX from deceiving me .... The time has come to put an end to all of this. At this rate, I am never going to pay Navient off - and only they know it. | ||||||
| 10/10/2016 | Yes |
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| One year ago I applied for and was approved for Income Based Repayment plan. You can see the approval on my website : XXXX XXXX XXXX has split into Navient, and they began harassing me about making additional payments. I wrote to them many times, sending copies of the IBR approval, but they never responded in writing. It is time to renew my repayment plan but they 're always changing their websites and making then worse, and eliminating any means of sending them communication by e-mail. I have tried to complete the renewal process online but they make it either very difficult or impossible. Really since it became Navient, it became a nightmare! I want to repay my student loans, and now I have a good job, but dealing with Navient is extremely unpleasant and they do n't respond to my written letters, which I sent with a confirmation of mailing. Now it is somehow become impossible for me to submit my Income Based Renewal, their website just says " Your identity is not yet confirmed by the Social Security Administration ( SSA ). To complete processes on XXXX requires SSA identity confirmation. '' It is just another instance of a consumer credit organization that has become unhinged and begun trampling upon the rights of those whom they were designed to serve. I spent several years XXXX here in the USA, but after enjoying this success, I felt the need to give back, so I moved to the XXXX, where I XXXX for 5 years. This culminated in my XXXX there. Upon my return to the USA, I experienced a period of low income. You can understand how I was hard pressed to make student loan payments during these periods, and I was able to get Income Based Repayment plans during those times, right up to the present. Now I have a good job and I have been trying to get Navient to update my Income Based Repayment Plan but they just will not respond to my written letters. I finally went online, although I find it extremely distasteful to do so, and still it is like trying to deal with XXXX XXXX, Although I now have a good income, I am living in XXXX, where I pay {$2800.00} a month for housing. This is in fact the average cost of housing in this area at this time. So I will still need to use an Income Based Repayment plan for a while. I will get XXXX raises next calendar year, due to successful union negotiations and my completing required certifications in automated train control systems, so the future will bring increased ability to make repayments on my student loans. It appears that none of this is of any interest to Navient. They just want to dictate terms in violation of my rights under the IBR approval they granted me last year ( see XXXX ). Please help me to deal with the 'Navient Monster '. I have tried in good faith to get them to communicate with me in writing by US mail at this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX without any success. I need to get assistance with this out-of-control organization. Thank you for your time. yours in prayer - XXXX XXXX | ||||||
| 04/27/2016 | Yes |
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| XX/XX/XXXX I received a XXXX XXXX Tuition Answer Student Loan in the amount of {$20000.00}. I am listed as the Student Borrower/Co-Signer of the loan. I completed XXXX school in XX/XX/XXXX ( A long time I know ) and then went to graduate school. I utilized forbearance and in-school deferment options all I could but during my 2nd year of XXXX school I received notice that I no longer qualified for assistance and would need to start paying my loan immediately. The monthly loan amount was more than {$400.00} per month and as a XXXX student with a salary of only {$5800.00} a year this was a struggle. After finishing XXXX school the job market was less than ideal. I missed some payments and got behind. I contacted XXXX XXXX for assistance and they informed me that the only program I qualified for was a " rate reduction program ''. In this program they reduce your interest rate to 1 % and you pay the interest on your loan ONLY. None of the money goes towards the principal which has now exploded to just over {$54000.00}. I now have a secure job and I have been making payments and each month I pay what I can and the principal NEVER goes down. As a young consumer at the time of this loan I feel like I was taken advantage of by XXXX XXXX. It is n't that I do n't want to pay my loan, it is more that I have made payments for XXXX years and my loan balance has n't decreased a cent. XXXX XXXX, now Navient, simply collects money from me every month and calls the program a way to help consumers. This does n't HELP consumers, it suffocates them. I am a teacher so I will never make enough money to make the monthly payments that they want from me and LIVE. I reached out to them to see if we could settle this account for a smaller amount and they declined. I filed a complaint with the XXXX about their predatory lending techniques and they sent me a letter with the promissory note included. According to a XXXX XXXX XXXX with the Office of Customer Advocate, the Rate Reduction Program, " is a special modification program that is designed to assist customers in resolving delinquency and repaying their student loans ''. The problem is, the Rate Reduction Program DOES NOT help consumers repay their student loans, it helps make the pockets of Navient thicker by collecting " interest only '' payments from those who are financially struggling. Here is an idea Navient, if you really want to help consumers repay their student loans why do n't you take the interest rate down to 0 % for one year and allow them to make a pre-set payment that will ACTUALLY help them pay down their principal. As I said before, I want to pay my debt back, but I do n't think it is right for me to have made payments for 3 years and still owe the same amount. This is n't helping me " repay my student loan '' it is helping Navient MAKE money off of a person who ca n't afford the full monthly payment on their {$20000.00} loan that has EXPLODED to {$54000.00} because of a crazy high interest rate. | ||||||
| 02/07/2017 | Yes |
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| XXXX only allowed us to borrow from XXXX and if we did n't then we could n't attend unless we had the cash up front or a private loan from a bank, and since my cosigner was my grandfather that was n't an option, after he died I had a harder and harder time getting loans or help from them while I was an XXXX. I then found out I was being evicted and part of the eviction was my loans did n't go through and so there was no money for the on campus housing I was living in since I started. They said I had 48 hours to get out or they 'd change the locks and I 'd be charged. with interest I owe around XXXX dollars, yes XXXX dollars for something that I did n't even get to graduate from. They never wanted to work with me and would harass me and my parents from XXXX to XXXX everyday. They would call my job and say things, like " WE KNOW SHE 'S THERE PUT HER ON THE PHONE! '' My manager had to tell them to stop calling and harassing me since I never have them my number and they call up to five times a day. They would ask me why my parents could n't help me, who at the time lost their house to XXXX from foreclosure, why could n't I just get another full time job and that at this rate I 'll never pay it off. There were times my mom literally got of the phone with them in tears because of how they treated and berated her for having no money all the while the school and the company said nothing about being a private profit school and loan company. My credit is ruined. I ca n't even get any credit cards to try and build it back up, and I still live with my parents at XXXX because I ca n't get any help or financial help from anyone. Now I 'm expected to pay back XXXX dollars on a predatory loan company that I get no help or loan forgiveness. I even had a women tell me well you could just sell your stuff, do you really need a cell phone ( no land line at my house ) and ca n't you just give your animals to someone. then she proceeded to tell me to just XXXX and try to figure it out because since I owe so much they 'll just take me to court and I could have the possibility of going to jail. XXXX is one big scam. They got a pay out and we 're still stuck paying on loans they as a company got forgiven for. They are predatory and aggressive and have no intentions of helping or forgiving the the loans that they knew you could never pay back with the interest rates higher than XXXX XXXX. This company literally ruined my life as an adult because I can do nothing, but deal with it and still live with my parents until they die because I ca n't go or afford anywhere else even with a full time job. They actually made me hate my major and what I went to college for. I have n't picked up a camera or done anything with my major since being forced to drop out after the school said I owed XXXX to be current. I wrote them a check out of a settlement I had when I was younger from an accident. They took the check cashed it then said I still owed them thousands more and I have to leave. | ||||||
| 11/13/2015 | Yes |
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| I am a victim of identity theft ; someone that I know stole my name and social security number and used me as a cosigner, without my authorization, to get a XXXX XXXX student loan. I took all of the necessary and required steps to report this fraud to Navient who now manages the loan. The investigator in the Navient Fraud Department assigned to my case is named XXXX. She is in a position to determine whether a loan now worth nearly {$25000.00} - fraudulently attached to my name - is to be removed from my record ; she has been dishonest and incompetent. She made the decision to deny my fraud claim without ever contacting me even once to discuss any of the evidence or circumstances involved in the case. I called her today ( Thursday XX/XX/XXXX XXXX XXXX ) and many of the things that she told me on the phone made it clear that she has not reviewed or considered many of the facts of this case. For example, she told me that all of the information on the loan application form was accurate, when this is obviously and demonstrably false : the phone number, e-mail, and employment information given on the form are all falsified. When I pointed this out to her, she would not address it. She said to me " I called the number of your employer listed on the loan application form, and I got a voicemail greeting with your name. '' This is not only false, but impossible. Not only have I had no professional affiliation with that employer XX/XX/XXXX, but when I did work for them, I was XXXX, and I never had a phone number or voicemail linked to their company. What she said was a complete lie. The person who stole my identity also opened a loan with another bank. That bank investigated the fraud, determined it was valid, and ruled in my favor ; they removed me from the account. When I tried to present this fact to XXXX as evidence that there is an obvious precedent for the fraud perpetrated against me by the borrower, she told me that this was irrelevant to the case. When I told her that I had incriminating text messages from the perpetrator of the crime in which he indicates that he has indeed committed fraud against me, XXXX told me that this was also irrelevant and would not effect her decision. When I asked her specifically whether, in her expert opinion, the signature on the loan application form in any way resembles any of the multitude of signature examples that I submitted to her, she again implied that this was irrelevant. Her justification for disregarding all of these things was because 1. I did not report the fraud immediately once I discovered it, and 2. I both made and received phone calls with the lender discussing the status of the loan and the payment history of the loan before reporting the fraud. Neither of these things provide any legal standing for her to deny my fraud claim and to not investigate it properly. I feel that this person, XXXX, is not competent to investigate my case, and I feel that these things should be reported and addressed. | ||||||
| 01/29/2020 | Yes |
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| I have student loans through Navient with approximately {$3600.00} remaining. I currently work at a XXXX that has a loan forgiveness program and my employer directly sends $ XXXX/year to Navient and in return I work for a year each $ XXXX they send on my behalf. This occurred twice. The first year I never received a bill from Navient as the $ XXXX covered my typical $ XXXX/mo statement throughout the year. The second year I began receiving statements before reaching the next year mark of payment from my employer. I honestly missed the first statement as I wasn't looking for one since I did not receive one the previous year. I did see a second one that came and I immediately called Navient to inquire about the status of my loan as I thought this was a clerical error. I spoke to a young lady who could not tell me why I was receiving a bill this year and I did not the previous year. She stated she would launch an internal investigation into this and I would receive a report on their findings. I thoroughly questioned her on their credit reporting terms and she informed me that Navient does not report until the account is 90 days late and assured me that I was " well within that window ''. Approximately one month later I noticed that I did not receive the report I was promised. I called Navient and spoke to a lady that informed me that my account was reported that very morning to the credit bureaus. I asked to speak to a supervisor and she informed me that I did not receive a report because " a box wasn't checked ''. I told her that I could pay now and that was never the problem. My only problem was I honestly thought it was a clerical error. She offered a forbearance and I informed her I was never offered that the first time I called and I wish I would have been because I would have done that so that my account would not have hit the 90 day late period. The supervisor was surprised I was not offered this option and agreed that the previous representative I spoke with could benefit from some additional guidance/training. She encouraged me to dispute the reporting and I later did so. I sent a my credit report showing late payment and a very detailed letter explaining what occurred. I was denied the removal of late payment from all the credit bureaus. I feel had I been given accurate information from the first call I made then this never would have occurred. I never attempted to dodge this responsibility and I contacted Navient numerous times throughout this process. My account with Navient is up to date and there is honestly not one single late payment on my entire 7 year credit report other than this one. Navient misled me me from the very first call and I wasn't offered the services that would have given me protection to avoid this very large error. I do not have anything in writing where they admit fault but they did record each call that I made and on XX/XX/XXXX is when I was finally offered what I should have been offered on the first call. | ||||||
| 01/26/2018 | Yes |
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| Since XX/XX/XXXX, I have taken part in the great government program Income Based Repayment paying $ XXXX/mo, which is wonderful and affordable for a family of XXXX with XXXX kids in daycare. Right on, XXXX XXXX! Suddenly, the other day ( XX/XX/XXXX ), I see a withdrawal for {$460.00}. What? I check my email and don't see anything in my email ALERTING me to the fact that I need to reapply for the IBR. Rather, I see two generic emails : 1 ) one on XX/XX/XXXX ( see upload ) with the subject line " Your Navient Account Information '', without any reference to my payment plan in the subject or even in the body of the email, 2 ) Another on XX/XX/XXXX ( see upload ) with the subject " New document ready to view! ", again without any information about the purpose of the correspondence. Of course, I immediately went to the site and it's all perfectly clear that I need to renew my payment plan. Go figure! I've been in email marketing long to know that consumers are overwhelmed with email and this was a deliberate effort on the part of XXXX XXXX, I mean Navient, to conceal information from customers to increase their bottom line. They know full well that a great number of their customers will NEVER reapply by the deadline because they NEVER knew they needed to do so in the first place. On the other hand, when it comes to Navient 's bottom line, they're crying it from the mountaintops. Looking down the list of other emails from Navient, they clearly know how to be clear and concise with their correspondence like the good little email marketers they are and can be when in it's in their interest. An email on XX/XX/XXXX specifically says there will be a " Change in Loan Terms '' ( see upload ). Why not a nice friendly email ( similar to how ethical companies do it ) saying, " It's time to renew your REPAYE plan! ", right there in the email and body of the email, not buried deep within the site, leaving the exclamation and enthusiasm to wear off when you finally get to the website two months later ( see uploads ). In summary, if I had the extra money, it probably wouldn't be an issue. But with a XXXX & XXXX year-old I just don't have that luxury and an extra {$350.00} hits hard! I wonder if it's just a coincidence, but this came during XXXX and would no doubt provide a nice XXXX bonus for investors. My two cents would be to drop Navient / XXXX XXXX as a government contractor. Private interests are obviously polluting what might otherwise be a great public resource for Americans. If you could put that in the suggestion box I would be grateful. Thank you! Last thing is I attempted to contact Navient about it and they gave me a lame excuse about needing to " protect the security of my account ''. From who? If you know anyone who wants to repay my loans, I would love to hear about it. Only XXXX left! What I do know is this is a scam! Not the first time for Navient / XXXX XXXX but hopefully the last! Thank you for listening! All the best, XXXX XXXX | ||||||
| 01/19/2017 | Yes |
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| I 'm a first-time borrower in XXXX school with issues regarding payment allocation on behalf of Navient, my loan servicer. According to Navient 's website, payment allocation for Federal Direct Unsubsidized Student Loans would first be applied towards any late fees ( which do n't accrue on this type of loan, according to their website ), then next to any unpaid interest, and lastly, towards principle balance. I was under the impression that I could keep track of my interest that accrued, make payments accordingly, have those payments applied towards said interest, and if I chose to pay more during a payment, to have it allocated towards principle. It was never disclosed if I had to make payments on time each month, but my first two monthly payments ( in the exact amount of the interest at that point in time ), were applied as a " customer refund to reduce principle ''. I was n't expecting my payment to be applied that way, so I sent an email questioning it, only to again be told that my payments would be applied first to interest, then principle, which did not happen. I made a payment on XXXX/XXXX/XXXX, 4.5 months after first disbursement, and it went towards the interest. I figured the first two payments may have been a glitch. I then made a payment for the new semester on XXXX/XXXX/XXXX, which again, went towards a " customer refund ''. I wrote again, just to get the same reply, once again, about payments going towards interest first, then principle, except this was still not happening in my case. I called Navient on XXXX/XXXX/XXXX and spoke to a rep, who disclosed to me that there is a " 120 day holding period after disbursement '', where all payments made within those 120 days would be a " refund ''. I explained to her that that was not disclosed anywhere Navient 's website. I asked her where on the website I could find that disclosure, and she did n't answer my question. She repeated again that on XXXX XXXX XXXX, my payments would be applied towards unpaid interest. I explained that while attending school XXXX and working XXXX hours a week, I ca n't afford to wait that long to pay a lump sum, and that I would like to make small payments each month to keep up with the interest. The website explicitly states that my payments will be applied to interest, then principle, and I have the same statement in email form from Navient. She explained that if that 's how I want my payment allocated, I have to call each time I make a payment. I should not have to do so when I am told, in writing and on the website, that my payments will go towards interest and then principle, not the opposite. In addition to this, I am unable to claim any tax deductions since they mishandled my payments in XXXX and applied them towards the principle, and not interest, as I had intended, and was under the false pretense that that 's how my money would be allocated. I am fed up with this company telling me they will handle my money one way, but do something else with it. | ||||||
| 10/05/2016 | Yes |
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| I contacted Navient on XXXX XXXX, 2016, regarding my options for lowering my payments. I was transferred to several individuals until a man named XXXX provided me with an option of lowering the interest rate for 14 months. He told me to call in XXXX to finalize the option since I had already made a payment for XXXX. He provided me with a number ( XXXX ) XXXX extension XXXX. On XXXX XXXX, I called the phone Navient to finalize the process. The man I spoke to told me that XXXX was unavailable and that I would need to complete the financial verification process again. I refused as I was already qualified. Previously, Navient, then XXXX XXXX, had offered me low interest payments on the same loans, however, I was told to call back because I had already made a payment for that month, similar to this incident. When I called back the previous time, I was told I had to complete the financial verification again, which I did, however, the amount I was offered when I called the first time was increased by {$50.00} after completing the second verification. Hence the reason I refused a second income verification process. I asked the customer service representative for a supervisor. The supervisor told me that I did not qualify for the interest rate reduction and that XXXX had noted that in the system that someone should call me back, " at the beginning of next month. '' It is currently XXXX XXXX, 2016, and my payment is due XXXX XXXX. I was told I do not qualify because my federal student loans were not showing in a repayment status on my credit report and that I should call the Dept. of Education to ask for lower payments. I said that was not an option because I was already on income-based repayments. The supervisor also noted that I had a car note on my credit report and that purchase disqualified me from the assistance option that was previously approved. I needed a larger vehicle because my fianc and I were expecting XXXX. I believe Navient 's internal practices are deceptive and discriminatory. Previously, when I asked for a copy of their policies regarding lowering my payments, I was told they could not provide me with the information. I have no guidelines to review for lowering my payments. A promise of lower payments was made and then rescinded because I purchased a vehicle that I needed. Had I been a single person with no children, I believe that my vehicle purchase would not have been considered. Further, based on my experience, it is clear that Navient makes every effort possible to avoid options to lower loan payments by making it difficult to contact specific customer service professionals. At least XXXX XXXX had a dedicated phone number you could call to speak with someone in their credit services office regarding lower payment options. All calls to Navient are routed through a main line and you are forced to speak to low level customer service reps who try to coax a payment out of you rather than resolving any issues. It is extortion. | ||||||
| 09/02/2022 | Yes |
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| I filed a prior complaint with CFPB against Navient due to its 39-state settlement with attorney generals on XX/XX/XXXX for predatory lending practices because I was also a victim of predatory lending practice by its predecessor ; I was not informed of an income-based repayment program for my student loan. Navient responded to my CFPB complaint by stating it placed this account on a hold due to another lawsuit involving bankruptcy by other plaintiffs. Navient did not include when it placed the account on hold, why there was no notice sent to me about this hold prior to my CFPB complaint. Navient also did not acknowledge that there has been no payment on this account for more than 14 years. Navient stated that the account was not in default and that was a part of the 39-stated settlement. I have not received notices of any kind from Navient ( billing or otherwise ) prior to filing a CFPB complaint in XX/XX/XXXX. In fact, I have not received any monthly bills for over 14 years. I noticed that Navient had put the account in deferment in XXXX, based on my credit report, but I had not received any communication from Navient. Even after Navient responded to my CFPB complaint in XX/XX/XXXX, it had not sent me any billing notices or informed me when the hold from the plaintiffs lawsuit would be lifted. Now, Navient has reported this account 60 days late to the credit bureaus. This is unspeakable financial trauma that Navient has been inflicting on me and my family for over 20 years. Backstory : In XXXX of XXXX, I attended 2 classes for a computer course in New York, but I was put on bedrest by my doctor in XXXX of XXXX due to a medical complication with my XXXX ; my daughter was born in the month of XX/XX/XXXX. I contacted the school and tried to reach a resolution since I could not continue with the course for medical reasons but was not able to reach an amicable agreement. It should be noted that I was not informed of an income-based repayment program by XXXX XXXX XXXX Navient 's predecessor, and yet the account was placed in a forbearance payment plan. I received a bill months after my daughter was born for {$10000.00} ; Navient took ownership of the account, has not sent me billing notices for over 14 years, continues to report the account to the credit bureau, and now has the account in a 60 late payment status with the credit bureaus. I understand that this company has attorneys at its disposable ; however, consumers have rights, and they should not be disregarded ; there are more consumers than profitable/predatory student loan corporations. I have filed a complaint with the DOJ in New York and California. I understand that this will give Navient a heads up and they may attempt to thwart the history of this account on its books; but I am prepared to obtain legal representation, alert various media contacts, and research others who have been harmed by this particular practice of hiding accounts in deferment to obfuscate the 39-state lawsuit. | ||||||
| 11/25/2016 | Yes |
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| I submitted my documents for renewal of my XXXX plan on XX/XX/2016 and again on XX/XX/XXXX. This one I sent directly to an agent who had sent me an email ; ( I was later told by the Dept. of Education Ombudsman 's office that she is an advocate -her name was XXXX XXXX XXXX ) My documents were ignored and no attempt was made to inform me as to whether the documentation I submitted was correct or not. Sometime during the second week of XX/XX/XXXX, I contacted Navient 's Customer Advocate 's office and an agent claimed to not be able to find the documents which I submitted using the provided email address. I also told her the name of the person to whom I submitted the documentation ; still claimed not to be able to find my documents. She advised me to upload the documents directly to my account ; which I did. I still had no response. I contacted the useless and powerless Ombudsman 's office and was told to contact the advocate 's office again. I used the number they provided, which I had used to contact Navient 's advocate department before and when I reached the intake person I was told that I had not reached the advocate 's office ; she claimed not to know whether there was an advocate 's office and then told me she would have to transfer me to an " Account Specialist, '' which I was n't going to tolerate so I hung up, called the Ombudsman again and confirmed the number for Navient 's advocate department. Now, using the same number again, I called and reached the same person. I told her I had spoken to the Ombudsman and I knew that I was talking to someone in the Advocate 's office after she again attempted to deny that is the department I had reached. After telling her this, she changed her story and then said that she routes calls to the " appropriate '' department depending upon the type of account. ( We have a private loan with them that we can afford to pay and this is part of their tactic to harass us ). This time I got an advocate ; he stated that I had to submit additional documents, which I did while I had him on the phone. He said they required the frequency of payment for the income information I submitted for my husband ; I told him what it was and submitted an additional pay stub. I requested his directly line, which I later called to ask how to submit additional income information from a Section XXXX rental ; he never returned my call. I also requested a forbearance but he did not take care of that despite telling me he would. Navient, has placed negative information my credit, which I also informed the advocate of and he said he would take care of that, due to their errors in not acknowledging these documents or the forbearance request ; they placed late payment information my credit. To this day, XX/XX/XXXX, one month after submitted the documents, nothing has been done to put this IBR through. I had XXXX back in XX/XX/2016 so the income level would probably have brought us down to a {$0.00} payment which they do n't want. | ||||||
| 12/15/2017 | Yes |
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| The company that I want to file a complaint about is Navient. Navient took over XXXX XXXX student loans while I was still attending college. Out of all of my private student loans they are by far the worst company and are unlawfully using deceptive debt collecting practices. I have no forbearance left and I am currently recovering from a major XXXX XXXX and I still need to get the other hip done as well so I am unable to work at this time. I have explained my situation to Navient and they would not help me the lowest they would go for my two loans was XXXX dollars a month after i told them I am living under one income and living paycheck to paycheck of my husband 's income as well as my cosigners who are my grandparents both widowers and living on a low fixed income. Navient for months has been harassing myself and my family at all hours of the day 7 days a week and from all over the country. What really concerns me about this company is what I recently found out. Within the past few weeks, my uncle 's new wife ( so no connection to myself anywhere ) and my father-in-law ( who also is n't listed in connection to me on any of my social media sites etc. ) have been called from the same woman who goes by XXXX who works for Navient phone number XXXX extension XXXX. I have no idea where and how they are finding these people and their contact information but they call and completely lie about their identity. She has called and said the same story to both people. The story she gives is that she is looking for me and that we are working on a project together and that I have the people she contacted unlawfully listed as my associates. When my father-in-law called and told my husband what happened he gave us the number and we called it and it says thank you for calling Navient. Plus she left her extension number so, it concerns me that they are basically giving or would give private information to parties that are not associated with the loans they have in my name considering she left ways for them to reach her. What this company is doing is completely illegal, the entire above situation is the epitome of deceptive debt collecting practices, which I read about in the Fair Debt Collecting Practices Act on the FTC website. What is concerning about this deception is not knowing where and how they are finding these people and contacting them, lying about who they are as well as if they called back and see that it is indeed Navient, what would Navient do? Would they take money? Would they give away private information? The questions and concerns are endless. So not only is this company lying about who they are as well as contacting people that are not associated with this loan they are taking harassment to the next level, they never stop they are ruthless and something needs to be done to stop this company from abusing consumers like me. I would list phone number but they call from all over the country so we never know what is the right number etc. | ||||||
| 03/07/2020 | Yes |
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| I'm a current customer who has been in forbearance for some time now. Though I stand to soon start paying off a substantial student loan amount, I haven't been in a position to pay off my loan quite yet. I have signed up for an IBR and do intend on being considered for the Public Servant loan forgiveness program -still waiting to hear back about it- but I, at the moment, am not in a position to begin repayment. As the IBR has already been calculated, I've already been able to calculate what my payments will look like when I am ready to start making payments ( hopefully as soon as later next month ). Yet, I have to live my life and strive for the things I need, namely, buying a house. And as is customary for buying a house, I am doing my best to fix my credit, which has not been ideal. Despite the amount of debts I've been working on paying off, I've been doing a really good job and making a super concerted effort increasing my score over time. But there is an enormous obstacle in my way, and that is your incorrect reporting. As far as I can gather, from my heavy research, conversations with XXXX XXXX, XXXX, XXXX personnel, and from your personnel and website, my increases in interest while in forbearance should not be affecting my credit score. Yet in XX/XX/2019, my credit score increased by 64 points and yesterday, XX/XX/XXXX, it increased by 47 points. Prior to XXXX, I had close to 600 in my credit score, but then an increase in my Navient loans ( though I was in forbearance ) for about XXXX dollars or so, brought me down to XXXX. After I was discouraged from applying to a home because of this, I submitted a letter to Navient and my credit bureaus about this mistake, which I thought had been rectified, and then went to work at improving my score. Recently, my score was a XXXX, just XXXX shy from the minimum most conventional lenders would consider. I was just about to apply for pre-approval when I wake up this morning to this terrible news. Now I'm at XXXX! I can't apply for the house again and all because you are reporting to the credit bureaus about my interest increase. I have not received any notification that credit reporting standards have changed and it is directly affecting my family, despite my writing a latter to Navient and not being in default at all. Never have been. All you know is that no matter what you do, something random and completely out of control just plunges your credit score when you're not expecting it and rather unjustly. And then it's the weekend, so you can't get this resolved until Monday, and even then, you'll have to wait a while until the issue is fixed ( if it can be fixed ) and just hope that when the next cycle goes through, it doesn't happen again. It is so discouraging and Navient does nothing to fix this. I'm attaching snapshots of this error and am sharing this with all of the relevant organizations. I'll also be writing a news article about this. Please fix this as soon as possible. | ||||||
| 12/16/2015 | Yes |
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| I went back to school at XXXX tech in XX/XX/XXXX, and within 12 months i had an issue where i was not able to complete my degree. Due to this, i had incurred a loan of approx. XXXX and at the time was not able to pay the $ XXXX+ a month for the loan as i was working minimum wage. I had to put my loans into forbearance twice in two years and make whatever payments i could towards these payments. Over the last almost 9 years, i have attempted to pay down this debt to the tune of 10.25 % and navient, XXXX XXXX selling the account to them, would not work with me to lower not only the payment of the student loan, but also the interest rate. I have been informed numerous times that the only way also to remove the co signer was to pay the account on time for 2 years. This has caused a monumental issue with attempting to pay back the loan, and had to go back to school to the tune of {$44000.00} to get not only my XXXX XXXX, but work towards getting my XXXX XXXX to be able to get to a point where i could attempt to pay back this loan. I currently work for a company that pays me a liveable wage, but am still not working in the department that my degree was to be in. I had gone in for network security, and XXXX tech had made promises to me that the experience and knowledge i would learn would land me a job in this field of study. I currently owe over {$60000.00} in student loans both private and federal and am at a point where i am wanting to get my co signer out because i am starting to not be able to pay these loans back at the interest charged. I started with my current company in XX/XX/XXXX, and it took me almost 12 months to get my account current enough to where i dont have any back money owed on the account. I am filing this complaint because i have hit a point in life where i cant afford to live, my credit has been destroyed because i couldnt even pay the bills i had, and had to take multiple payday loans out just to keep a roof over my head. I have had nothing but bad experiences with both Navient and XXXX XXXX with regards to trying to get the payments lowered, the interest lowered or refinanced, or even forgiven due to the hardships that i had. I have debated filing for bankruptcy due to the mountain of student loan debt i have, and all the lies and runaround that i have had with both companies telling me that they could work with me, and nothing was done. I have had harassing calls multiple times an hour when i was late on a payment, and they harassed my co signer into getting her to have me pay the bills, and also threatened to leave her hanging with all the debts. She co signed on this to help me when no one else would, and now we are paying for it since i will have paid almost 7 times as much back towards the original XXXX loan. Attached are pictures of the loan information from Navient. This one bill accounts for almost XXXX % of my income every month, and with a car payment and rent, i have very little left over for basic needs. | ||||||
| 03/17/2017 | Yes |
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| I worked for 5 years as a XXXX in a XXXX ( XXXX XXXX XXXX ) in the XXXX, TN / XXXX County XXXX XXXX XXXX. I love working with XXXX, but the prospective pay was significantly lower than if I were to work privately. However, other XXXX working in XXXX indicated they had successfully used the 5 year XXXX Loan Forgiveness Program to help offset the lost income. So I worked 5 grueling years in this XXXX which was so dysfunctional that there was significant XXXX turnover every year. Every year I was offered positions in less challenging, higher performing schools but always stayed at XXXX XXXX because of my bonds with the children and ultimate promise of the loan forgiveness. By the fifth year, I was one of the most tenured XXXX and considered a resource for stability in the XXXX. I successfully had Perkins loans forgiven under a similar program, but when it came to Navient approving the XXXX Loan Forgiveness Program they said I did not quality because her state XXXX license listed her as a " XXXX '' and not a " XXXX. '' This, while technically accurate, is a ludicrous distinction. In substance I met every program requirement : speech therapy itself is teaching language and communication skills to children with language and communication deficiencies ; the significant majority of my case load was special needs children ; and I worked for 5 consecutive years in an officially recognized low income XXXX. XXXX. I had parents crying thanking me for XXXX over 5 years. I also became a recognized leader in the XXXX in the use of XXXX, especially XXXX, for improving XXXX. XXXX. I say all of this to ask - is n't that the absolute point of this program? To encourage highly qualified ( I understand this is term has varying definitions state by state, but to even be a XXXX in Tennessee you must have a XXXX degree which I have, so I am already " highly qualified '' ) XXXX ( I XXXX! ) to go into challenging positions ( low income XXXX ) that are less attractive ( at least financially ) to help underserved populations ( XXXX who otherwise could not afford the necessary XXXX )? I frankly can not fathom how I do not qualify, especially when other XXXX have qualified under the same program. Navient told me it boiled down to the license not saying " XXXX. '' This is such a classic example of nameless large company bureaucrats finding a way to deny a promise made, and apparently is not alone in other deceitful business practices used by Navient as indicated by the recent lawsuit. In addition, I called the prior Stafford loan servicer, XXXX, every single year to confirm I still qualified for the loan forgiveness program and every year I was reassured I did. Navient only took over the loan servicing RIGHT as it was time to apply. Navient 's excuse was they are more " strict '' than other loan servicers ( I would say " literal '' to the extent of being disingenuous ). Well, as we see in the news now, they are reckless and unscrupulous. I ca n't say I 'm surprised! | ||||||
| 03/07/2022 | Yes |
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| I am a victim of predatory student lending practices via XXXX XXXX and Navient Solutions , LLC . I have roughly $ 26k in private student loans all through XXXX all with Navient Solutions , LLC . Due to the insurmountable debt I've acquired through these scams I've had to move a lot and lost a lot of my records of my student loan statements throughout the life of the private loans, dating from XXXX. I would like retrieve copies of these statements and records. I have asked Navient repeatedly to please provide me either with a link to these documents so that I can retrieve them digitally or have them mailed to me via paper copy, with the former being the preferable version. When I spoke to the original customer service representative on XX/XX/XXXX she told me that I should be able to see them online via the Forms link on the Navient website but when we tried it kept looping me back to the login page. She said it shouldn't be a problem to have them mailed to me and she would process the request. I asked if I could just get them emailed because that was a lot of paper, and she said that wasn't possible because the documents are set to come to me the way my statements are sent to me. I asked if I could then change the way my statements came to me so I could just have them emailed. She said yes but then I'd have to resubmit my request so I asked to move forward with the current request as is. Then I got a letter from Navient telling me that I would need to narrow my request down to 24 months with a detailed reason as to why I needed the documents. I sent an email as a response saying I was going to do neither as I felt it was my legal right to have access to my billing statements and that I would really like to just access them digitally which shouldn't cost anything. They just emailed me back today saying that the would not be able to do this, that they just sent me an account history on XX/XX/XXXX and XXXX ( I have not received either these ) and that I could access my account history online to see my payment history. This is a very limited very long list of numbers in columns that does not give accurate information and is confusing to understand. At this point I feel they are illegally withholding this information from me. As it stands I can only see my statements digitally for year back from the current date, which given the current climate and their recent settlement, seems questionable at best. Any financial firm I've done business with has held onto records I have with them until usually 3-10 years AFTER my account has closed, which is what I'm used to. The fact that I can not see these private student loan records beyond a year when I'm still paying on them is absurd. I want my records and I should be able to see them digitally. I gave a copy of ONE of the FIVE private loans I have with Navient in the Account History format they are referring to. I also uploaded the most recent statement with them refusing to send me the documents. | ||||||
| 08/14/2017 | Yes |
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| The primary borrower contacted Navient in XXXX 2017, and was told she had no forbearance option available. She was advised she could sign up for recurring payments, and that this was her only option. She did so in XXXX XXXX. Beginning in XXXX 2017, her payments started bouncing back, as she was experiencing financial hardship. I was not contacted via phone until XXXX XXXX, 2107 about the debts. I was not told at any point in time that I could dispute a debt. When I called, I asked about what programs were available bc the primary borrower did not have the funds to pay, as demonstrated by the several returned payments for insufficient funds. I was misled to believe I could pay {$64.00}, have the other two past due payments moved to the end of the loan, and the primary borrower could call in to find out what programs are available, as the Navient rep stated they change daily. He never told me she had 2 months forbearance available. I found out on XXXX XXXX, 2017, Navient reported 2 delinquencies for the loans to the credit bureau. I immediately called Navient to try to resolve, however they were not cooperative or helpful. During the several phone calls I made on XXXX XXXX, I was advised she has forbearance time. I agreed to pay the past due amount, and agreed to the forbearance for 2 months. This was not offered on my last call. This would have been helpful and avoided past due payments if they would have offered this option. I am willing to pay if there is a past due amount, and demonstrated that multiple times in the past, when there was an issue of non payment or late payment. I was told that because the primary borrower is on recurring payment, even if I call in to make a payment so her payment does n't bounce, they will still take the payment from her account. She has to have her account enrolled, because she agreed to the only program offered to her. Further, if she would have had the forbearance back in XXXX or XXXX when her first payment was returned, she would not have been 3 months delinquent. Also, they will call the primary borrower several times, and called me in XXXX, but did not give me an opportunity in XXXX when they actually sent the delinquency to the credit bureau. I pay over {$1100.00} per month in my own student loans. I have never had a delinquency on my credit. I pay all my debts on time. I would have paid the past due amount, or at least enough to ensure it was not reported on my credit, but was not given that same opportunity. As the cosigner is just as responsible for the debt, and will be affected by negative credit reporting, I should receive a phone call, as is Navient 's demonstrated regular business practice, to say if I do n't make a payment that day, I would be reported. I made two payments both days I spoke to Navient to avoid reporting, however they still reported me without giving me an opportunity to resolve the past due amount. I have attached my bank statement showing I made payments both times. | ||||||
| 03/22/2017 | Yes |
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| In late XXXX XXXX I went down to part-time in my master 's program as I was done with classes, but had n't finished my thesis. Within two weeks of this change I had a bill from Navient somewhere between $ 500- {$700.00} - I ca n't recall the actual amount. I called Navient to let them know I could n't make that payment as I was working a XXXX making only {$15.00} an hour, but could afford {$50.00} a month. They said all they could do for me was put me in forbearance for a month if I paid $ 150- {$170.00} ( again, I ca n't recall the actual amount ). I told them I did n't have that kind of money and if that 's all they could do my only option would be to simply not pay. And since they would n't work with me I did n't pay from XXXX XXXX to XXXX XXXX until I landed a salaried full-time job at a non-profit. Now that I had a better paying job, I could start paying my student loans. When I called Navient to set up a payment plan they would n't go lower than {$500.00} a month. This is a hardship for me given I work at a non-profit where my salary does not go very far, especially since I was working and living in the XXXX XXXX where the cost of living was high. Their reasoning for why they would n't low it was because I could have paid my student loans with a credit card between XXXX and XXXX. That blew my mind! Why would I pay my student loans on a credit card? That does n't make any financial or common sense. So fast forward a year and a half later. My credit is ruined from those four months of not paying, but I 've been paying Navient {$510.00} a month for my student loans and have never missed a payment. During that time my dog had broke his neck and I had to put $ XXXX in vet bills on high interest rate credit cards. I 've cut corners to where I spend less than {$40.00} a week on groceries and even moved 70 miles away so I could work at a different office where the cost of living was lower just so I can pay down those credit cards. I also take side jobs where I sometimes end up working 80 hours a week, but it 's not enough. I recently called Navient to see if I could suspend payments from about nine months just so I can get a handle on these high interest rate credit cards. I called Navient today, XXXX XXXX, XXXX at XXXX XXXX, to make this request. I was told my only option was one month of forbearance since that is all I had left. When I asked them to work with me since they would n't work with me a year ago and are the only reason my credit tanked, the manager cut me off and said very rudely, " We are n't responsible for your life choices. '' When I asked if I should have let my dog die to avoid the vet bills, he still said it was n't their fault I made poor life choices. I am beyond frustrated with this company and feel like they took advantage of me. I was willing to make a payment over a year and a half ago, but they would n't take it and it has had serious repercussions on my financial health, as well as my mental health. | ||||||
| 07/30/2023 | Yes |
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| CREDITOR AND LAWSUIT INFORMATION Creditor : SLM PRIVATE CREDIT STUDENT LOAN ( Attorney : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ; Telephone : XXXX ; Email : XXXX ) Filed 2 arbitration lawsuits with the XXXX XXXX XXXX XXXX ( XXXX XXXX, Illinois ) Case 1 : Filed on XX/XX/XXXX for {$12000.00} plus approximate cost of {$400.00} Case 2 : Filed on XX/XX/XXXX for {$14000.00} plus approximate cost of {$400.00} MY BANKRUPTCY INFORMATION I filed XXXX XXXX bankruptcy with the XXXX XXXX XXXX Virginia, with a XXXX date of XX/XX/XXXX. The two debts listed above were XXXX in this bankruptcy. Both XXXX debts were private, direct to consumer loans that exceeded the cost of attendance. The loans are dated from XXXX and XXXX, respectively. CREDITORS LACK OF COMMUNICATION REGARDING DEBT Please note that at no point between the bankruptcy XXXX on XX/XX/XXXX and the filing of the first arbitration lawsuit on XX/XX/XXXX, did the creditor or their attorneys attempt to contact me about what they deem to be an outstanding debt. I did not receive anything via mail, email or phone regarding this or any other XXXX debt. No attempts to collect this debt or otherwise communicate with me were made before filing the lawsuit in question. CONTACT WITH CREDITORS ATTORNEY I have attempted to notify the attorney for the creditor regarding the XXXX debt by phone on multiple occasions. They did not return any of my phone calls. I also provided a copy of the Order of Discharge ( Form XXXX ) via email on XX/XX/XXXX. I did not receive a response beyond the automated receipt response. Finally, I personally handed a copy of the Order of Discharge ( Form XXXX ) to the creditors attorney during court proceedings on XX/XX/XXXX. Again, no one responded via phone or email. FILED MOTION TO QUASH SERVICE OF PROCESS I filed a Motion to Quash Service on XX/XX/XXXX, disputing the receipts of summons, as I do not believe the Plaintiff/Petitioner followed proper procedures for serving me with the summons and complaint. Service of summons was not made : ( XXXX ) by leaving a copy of the summons with me personally, ( 2 ) by leaving a copy at my usual place of abode with a family member of the age of XXXX or upwards, or ( 3 ) by informing me of the contents of the complaint/petition. I requested that all proceedings be suspended until I receive proper notice and documentary evidence from the Plaintiff/Petitioner. The Motion to XXXX was denied on XX/XX/XXXX, despite the creditors attorney stating that I was served via substitute service at my parents ' residence and providing to the Judge a physical description that did not match that of either parent. CREDITORS CONTINUED FAILURE TO PROVIDE A COPY OF THE COMPLAINT The creditors attorney verbally informed the Judge on XX/XX/XXXX that they would mail me a copy of the complaint. They have still not done so. As of XX/XX/XXXX, I have not received proper notice or details regarding this claim. | ||||||
| 05/03/2016 | Yes |
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| I have XXXX loan accounts with Navient. I understand that these are private loans and they can do whatever they want to my interest rate ( though I swear I signed up originally for a fixed rate loan, but ca n't find my paperwork ), but I signed up for auto payment in order to receive a .25 percent rate reduction. Within one or two months, the rate went up to void that reduction. This was frustrating, but what can I do. They hold all the cards and talk in circles when you try to get information. Now, I have extra funds that I would like to apply to the principal of my loan, to try and reduce it so I can eventually pay off the loan, and I am told that I ca n't do that. Instead, it must first satisfy any unpaid interest. If I am satisfying my monthly payments, which they pull automatically from my bank account, how can I not apply extra in a specific way? From what I have read online and from conversations that I have had with other student loan holders, other people are able to do this with their Navient loans, but they say mine does not qualify. I am paying 10 % interest on a {$30000.00} loan ( and that is just XXXX of XXXX ), so I need to be able to pay principal only to get this paid off. I was told the only way to do that is to pay the same day as your due date, but that means I ca n't pay extra on my principal for a month, meaning they make extra money on the interest for the entire month. This is unfair and seems like taking advantage of me as a borrower. The interest accrues daily, so I can pay a payment and have some of it allocated to interest and it still makes my principal a bit smaller, but if I was allowed to pay the entire {$500.00} that I want to on interest, it puts me in a better position overall to pay less interest, reduce my loan amount and get out of debt faster. I have been out of school for almost 7 years, and have been unable to make much progress towards this loan, despite having paid for a majority of that time. This loan has never been delinquent, anytime I was unable to satisfy the payment I called and they charged me to put it into forbearance. It seems like this student loan nightmare will never end. I have loans with other companies, and none have treated me like Navient has. I realize that Navient is in the business of making money off student loans. This seems unreasonable and unfair to not allow a customer to pay above their monthly payment and pay on principal only. They have set this up so that you are not able to pay them less in interest and make it extremely difficult to get your loan paid off without coming up with a lump sum. From what I read online, it would be easier and possibly put me in a better position to stop paying on the loan and try to negotiate a lump sum payment with one of their debt collectors. I made an agreement to pay this amount when Navient loaned me the money, and I am trying to stand by that, but they seem to want to make it impossible to get this loan paid off. | ||||||
| 11/04/2017 | Yes |
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| Discharge all student loan alleged debt due to false certifications, unlawfully retained refunds and identity theft used to obtain money from U.S. Department of Education that was secured by academic institutions, suspend and or terminate Program Participation Agreements of all who engaged in Program Integrity violations for failure to maintain fiscal management controls over Title IV funds between XX/XX/XXXX through XX/XX/XXXX that resulted in mismanagement of federal funds. Navient as servicer with an existing PPA with the U.S. Department of Education who have participated in concealing over {$38000.00} in students loans that were refunded to it on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX for Loans 1 & 2 for {$10000.00} ; it failed to disclose until I, the borrower investigated that occurred on XX/XX/XXXX and on or about XX/XX/XXXX loan from XXXX XXXX XXXX XXXX XXXX who refunded Loan # 6 to XXXX XXXX for {$5000.00}. Collectively these three loans XXXX 1 & 2, XXXX loan # 6 today with principal and interest total more than {$38000.00} because of its failure to deduct these refunded student loan debts from my National Student Loan Data System and national Credit Reports. Further since Navient breached it fiduciary duty owed to the U.S. Department of Education it has caused its liability, then all fees, charges and debts associated with these three loans in particular should be the debt of Navient and Navient alone. Navient 's PPA should as a matter of law for massive mismanagement of Title IV Higher Education Act of XX/XX/XXXX taxpayer money should be terminated from further participation in the student loan and federally insured programs of the federal government. With regard to XXXX, it similarly caused the liability to the U.S. Department of Education for its willful misrepresentations made to the AWH Hearing and Tribunals group on or about XX/XX/XXXX or thereabout alleging a debt due and owing from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Had XXXX conducted an investigation as is part of its PPA due diligence responsibilities before defaulting Loans 11 & 12, it would have learned the cost of attendance was less than {$3000.00} for the two semesters attended, i.e., Fall XX/XX/XXXX and Spring XX/XX/XXXX ; further, it would have learned that XXXX retained unlawfully {$18000.00} of the {$21000.00} it received from the U.S. Department of Education. Since XXXX and XXXX caused the liability of the U.S. Department of Education that XXXX and XXXX should be held liable for their respective breaches of the fiduciary duty both owe to the U.S. Department of Education. All associated debts, interest, fees and other charges as a matter of law should be their debt and their debts alone. I am but a borrower. I was forced to conduct an investigation to prove I do not owe the alleged debts reported incorrectly on the National Student Loan Data System report filled in and completed by unconscionable acts of massive fraud by PPA holders. | ||||||
| 10/28/2017 | Yes |
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| Navient is the servicer of my student loan. I applied for teacher loan forgiveness on XXXX XXXX XXXX. XXXX of my loans were discharged in XXXX of XXXX. XXXX of my Stafford Loans have not yet been discharged and I inquired with my consumer advocate at Navient as to why not, I asked for the name of the Gurantor again so I could follow up on XXXX XXXX. Instead of providing that information, she referred me to an earlier email date. Then I decided to research and called the XXXX myself on XXXX XXXX, since this had been a long amount of time. I spoke with XXXX from XXXX XXXX XXXX on XXXX XXXX and inquired about my application. She informed me it was denied on XXXX XXXX, and Navient had been informed in writing on XXXX XXXX. She told me I could called her on XXXX XXXX to make sure I was a teacher of record still in my current position, and she would confirm it with my district, and they would cut a check to Navient.I did take up a separate case with my district, since I disagree with the date they told them I was highly qualified. That day I asked XXXX via email why I had not been informed as it was XXXX XXXX, well over XXXX business days since she had been notified. XXXX at first sent me the old email stating that my application had been forwarded, and I clarified that I wanted to know why it had been denied and no one had informed me in a timely manner. This day, XXXX XXXX, I also asked her to expedite and extend my teacher loan forgiveness forbearance application, as I would have to wait until XXXX for my XXXX loans to be forgiven, as well as to change my name to my new married name. XXXX did fullfill the name change request, however she never responded or answered my forbearance request or addresses it at all. I then received in writing from Naivent on XXXX XXXX, XXXX that they " have not heard from them whether or not it was denied or approved. '' I then called my guarantor and spoke with XXXX and she provided documentation that Navient was informed in writing as early as XXXX XXXX. On XXXX XXXX I received and email that it was denied and Navient was just made aware, even though I asked them to look into it. ( more than a month after Naivent was informed ) I then was informed as a result of this, my loans would be put back into current payment status. I tried to called XXXX that day her phone went straight to voicemail and I also emailed her. I am still eligible for forbearance during this time period, as I am still a teacher of record, and owe less than the amoutn forgiven. There is no reason my application for forbearance should have been denied, and the deliberate delay in giving my timely information regarding the status of my loan is a threat to my credit score, financial well being, and allowing me to have my loan remain in good standing while I take up a case with the district. It also violates the guidelines set out by the federal government that allows a teacher to stay in forbearance during their teaching service. | ||||||
| 08/10/2018 | Yes |
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| I spoke with someone from you company on XX/XX/XXXX. That advised me to submit a formal complaint with my documentation. In XXXX I faxed my IBR loan papers to Navient. I kept the copy of the fax and the transmittal receipt. Well I knew I wasn't barely working and wouldn't have payments for the year. So in XXXX I mailed by new paperwork in. Well I called Navient bc I had been locked out of my online account for a long time. The girl I spoke with help me reset my account. Well when I got into my account it said I had like 8 missed payments. So I called back and the girl I spoke with tried to tell me the fax number I had used to fax my documents in XXXX wasn't even a fax number for Navient. I told her to XXXX the number and of course it showed up on the Navient page. I had faxed the papers to the private loan department by mistake. I let the girl know I had the documentation and she said it was my mistake and my credit would be ruined. She told me that forbearance was my only option. I offered to send the paperwork in and everything proving I sent the fax. I spoke with another girl and she basically told me the exact same thing. So then I contacted the Department of Education and started a formal complaint. I sent them the documentation. Well they have to first send this information over to an advocate at Navient. So I was assigned XXXX XXXX. She seemed like she was going to be helpful. The first time we spoke she explained the documents like that get faxed to the wrong department all the time. She just needed to locate the document. So the next time I spoke with her the story completely changed. She said that for security purposes the private loan department of Navient had to shred my document and that they would have no way of knowing I even had a loan with Navient. So then I called the Dept of Edu back and asked if they could request for my calls to be pulled with Navient because everyone had lied and told me conflicting information. I was advised that I was the only person that could request the phone calls. So on XX/XX/XXXX I called and spoke with XXXX from Navient. I have her employee ID but I do not want to share it. I let her know I wanted the recordings because of everything. She put me hold and finally got back on the phone with me and said that I could get the recordings but that only XXXX could release the recordings and she would sent the request to her. Well I waited about a week and then emailed XXXX. She didnt respond the first email. Then about a week later I emailed her again and she was saying they were trying to help me. Finally a few days ago I received an email saying that they have no proof of my IBR application from XXXX and could not release the calls because they are used for quality and training purposes. So now this is being escalated through the Department of Education. I sent these documents, have the proof, and now Navient is trying to ruin my credit and put me forbearance like everyone else. | ||||||
| 01/30/2017 | Yes |
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| Like many people my age I have a crippling amount of student loan debt, almost all from the private lender Navient ( formerly XXXX XXXX ). I recently read about the law suit being brought against them and it was like reading about all my own horrible experiences ; I had no idea the CFPB were the people to report their behavior to, and I would like to disclose my miserable dealings with them as well. Shortly after graduating in XX/XX/XXXX I started making my payments. At first I was on a four year interest only repayment plan which was over $ XXXX/month ( that 's just interest! ). After that I started making payments of around $ XXXX/month. I have tried everything to get the interest rates reduced and release my cosigners but have been denied every time. I have called their Customer Service representatives ( which is a whole other complaint in and of itself, it 's like pulling teeth trying to deal with those mindless people ) and even took up my issues with their Office of the Customer Advocate. The response every time is " there 's nothing more you can do except pay the bill. '' But perhaps the biggest frustration has come when trying to pay more than the amount owed that billing cycle ... If I had a bill that was, say, {$1100.00}, and I want to pay extra? Good luck! First they will try to allocate the extra funds to your next billing cycle instead of applying it to the principal balance. They literally just sat on the money I sent and took it off the next bill while my interest kept accruing. And then if you call they give you some confusing statement about why that is, and if you get them to reverse it they will spread the excess payment out across all the loans. Getting them to apply the extra funds to a specific loan is an even more difficult task. When I asked how to make this go smoothly in the future they said to send a check with the instructions for the extra funds in the memo section. Tried that, same results as before. Another call with Customer Service, another 30-40 minutes of my life wasted, another XXXX ensues. Rinse and repeat every, single, time. I know what they 're doing, they 're trying to XXXX around with the payment in a way that is detrimental to the customer. Why listen to their request to apply additional funds to the loan with the highest interest rate? That means they wo n't get more money in the end! I 'm happy to repay the money I borrowed but this is absolutely insane. At the rate I 'm going I will have paid for my education several times over by the time I 'm done with Navient. It 's outrageous that they would even offer these kinds of loans to an XXXX year old kid. I guess that 's what the cosigners were for, and perhaps it 's my parents fault too for not recognizing the indentured servitude I was signing up for, but we were all products of the XX/XX/XXXX 's ... borrow everything, you 'll be fine! I was naive when I signed up and had I to do it over again I never would have done it. | ||||||
| 07/03/2023 | Yes |
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| My name is XXXX XXXX, and I am writing to you today to file a complaint against Navient. I called Navient on XXXXXXXX XXXX XXXX The purpose of my call was to notify Navient that I am invoking a defense to repayment of the loans because the school I attended, XXXX, defrauded me and for this reason I will no longer be making payments on my private student loans. The response I received from the Navient Customer Service representative was that she understood ( what was I saying ) and that they have been receiving a lot of calls surrounding XXXX. She explained, if anyone that is working on the private loans can prove that they are fraudulent have them contact us. I then sent a written summary of this call and asked for more information about what the representative said to the general Navient email account as well as to the Navient office of the Customer Advocate. I received an email response on XX/XX/, from XXXX, a Loan Servicing Specialist ( I have attached a copy ). In her email, XXXX only said that Borrower Defense Relief is a program offered by the U.S. Department of Education that allows borrowers to apply for loan forgiveness for their Federal Direct Loans. Please note that the provisions of Borrower Defense Relief doesnt apply to private credit loans. Your loans ending in XXXX and XXXX are private credit loans, which does not qualify for loan forgiveness programs. On XX/XX/2023, I received a communication from XXXX XXXX from the Office of the Customer Advocate ( I have attached a copy ). In the communication, XXXX said that theres no discharge program available at this time for students who claim a defense to repay a private loan due to misinformation or the quality of education they received at their school. Were not able to respond to any information or guidance provided by a customers school, financial aid advisor, or other financial advisor. I believe there is a problem with these responses and there should be a process for providingme with more information and relief. Having attended XXXX has left me with significant debt and a worthless degree, leading among other harms to financial and emotional distress.I was told by the school that it would be funded through the VA using my GI Bill and I wouldnt have debt. I would talk with the student counsellors and they would confirm this. I used 100 % of my GI Bill and still there were federal and private loans taken out in my name. I was misled as to cost of everything and how it was being financed. The above described activities constitute violations under the applicable state consumer protection laws and constitute common-law claims for breach of contract and negligent misrepresentation. In addition to causing enrollment, these actions also induced reliance to remain at the school. In addition, the Department of Education has also found that XXXX defrauded thousands of students. https : //www.ed.gov/news/press-releases/education-department-XXXX XXXX | ||||||
| 04/01/2020 | Yes |
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| Navient has begun ignoring the payment instructions I sent them yet again. The instructions were dated XX/XX/XXXX and were received by Navient on XX/XX/XXXX. This is the SAME PROBLEM I reported in my previous two CFPB complaints about Navient. Navient has repeatedly told me and the CFPB that they WOULD follow my instructions, but continually fail to do so. As one recent example, my payment of {$210.00} applied to my loans by Navient on XX/XX/XXXX was allocated as follows : {$19.00} to Loan XXXX, {$100.00} to Loan XXXX and {$91.00} to Loan XXXX. The amount due on these loans were : {$19.00} for Loan XXXX, {$20.00} for Loan XXXX and {$18.00} for Loan XXXX ( total : {$58.00} ). According to my payment instructions, Navient should have applied my payment as follows : {$19.00} to Loan XXXX, {$20.00} to Loan XXXX and {$170.00} to Loan XXXX. All of the {$150.00} extra principal from my payment should have been applied to Loan XXXX, the loan with the HIGHEST interest rate and LOWEST balance. I have attached Navient 's loan information sheet as of XX/XX/XXXX that shows their miss-application of funds ( {$100.00} to Loan XXXX and {$91.00} to Loan XXXX ) for this example. I've included the relevant payment instructions below that were also included in my previous CFPB complaints against Navient : -- -- -- I am writing to provide you with updated instructions on how to apply payments when I send an amount greater than the minimum amount due each month. Please apply my payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the principal balance of the loan that is accruing interest at the highest interest rate. 2. If there are multiple loans with the same highest interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 3. If any additional amount paid above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the principal balance of the loan with the next highest interest rate and lowest outstanding balance. 4. Do not put any loans into paid ahead status or advance my payment due date. Retain these instructions. Please apply these instructions to all future overpayments. -- -- -- As I stated I would do in my last CFPB complaint, I am now requesting that Navient pay me monetary compensation for the wasted time I have had to spend dealing with Navient 's refusal to follow my instructions. I'm requesting that Navient compensate me for 5 hours of time at $ XXXX/hr ( {$120.00} total ) for my time spent documenting and submitting these 3 CFPB complaints. This doesn't even include the time I spent trying to resolve this directly with Navient before moving on to the CFPB. This is a ridiculous waste of my time and I demand to be compensated. Navient can apply the money to the Principal balance of the loan with the HIGHEST interest rate and LOWEST balance. | ||||||
| 08/27/2021 | Yes |
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| My wife received a letter in the mail from " pioneer credit recovery '' stating that she owed {$3000.00} to the department of defense. In the letter they stated that they were contracted by the US department of treasury, bureau of fiscal service to collect this debt. They threatened that not paying this debt would result in our delinquency being reported to the national credit bureaus, and that any future tax refunds could be garnished as a result. I tried calling the number provided XXXX, and was met with a series of robotic voice-mails stating that there was a " company-wide meeting '' and to leave a message. I left a message. Looked up the company on XXXX and called the phone number listed there : XXXX. Another automated message told me to enter the reference number on the document, then I was connected to a woman named " XXXX ''. She transferred me to another automated series of message that were identical to the first number, and I was prompted to leave another voice message. I tried calling the number again to talk to " XXXX '' and I got a message saying the number was disconnected. Bingo! Scam! I looked closer at the " bill '' and though it looks somewhat professional : lots of info, debtor numbers, reference numbers, an option to state your change in address, really small QR codes ( too small to use XXXX changes in text format, a mailing barcode that eerily looks like its a .jpg. etc., etc.. The envelope was hand mailed from XXXX : personally stamped, but the logo states this company is in XXXX NY, and the payment address is in XXXX XXXX MO. I'll hold onto the " bill '' for now in case you want to see it. I did some more searching, and there's also a page on XXXX regarding a law firm that you can reach out to SPECIFICALLY for this PCR company. Both websites fairly professional. And there's multiple pages that state that this company is indeed hired by the IRS for debt collections. This scam is multiple layers deep. If you need the envelope or " bill '' sent to you, or just pictures, I can do that. I personally know a few people who have fallen for these scams. Please find these individuals, or at least shut their websites down. Have XXXX flag them or something. These scammers are getting very elaborate, and somehow they're finding pertinent info on their potential victims. The reason why this was even slightly believable was because my wife 's ex husband was in the XXXX ; perhaps this was an unpaid doctor 's bill or something? I knew it was a scam, because we did a credit check last year when I tried getting her on my CC account, and we're aware of which items that went into collections, and actively fixed them. There's another scam they tried pulling on her last month regarding her cars warranty ; they tried the same with me. They know what cars we drive ; they're sending personalized warranty cards for your vehicle now that make it seem believable. Thank you for your efforts on this. | ||||||
| 08/02/2021 | Yes |
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| My Navient student loan account was put on deferment from XX/XX/XXXX through XX/XX/XXXX. I asked for the deferment as I was laid off due to the pandemic and provided Navient with a copy of my unemployment letter and severance letter. I received the attached letter from Navient advising that I was approved for the deferment and the dates above. I was told that I would received an updated payment scheduled before the end of the deferment period which I did not receive. The document did not contain any caveats which were most recently communicated to me over the phone by a supervisor. The Supervisor advised that my deferment for the referenced account was cancelled because I returned to school in XX/XX/XXXX. My return was with a new loan and should not have had any impact on the existing deferment arrangement. Out of nowhere in XX/XX/XXXX, my account was reported at 90 days past due from Navient on my credit report. When I called the agency, I was given the run around as everyone was working remotely and I could not get in touch with anyone higher than a supervisor. I provided them with the letter they provided me, which is also listed in my customer portal. I never received a phone call or letter in the mail from Navient advising that the deferment had ended or that I was past due at any time. Fast forward, I was only made aware of the delinquency when the 90 day hit my account one week before I closed on my new home. The delinquency caused me to close on the home later than scheduled, my interest rate was increased as well. Additionally, as a result of the delinquency I was declined for a Parent Plus loan for my daughter and this has put her ability to continue with college in jeopardy. I have had my Navient account for 20 years and I have NEVER missed one payment!!!! I had a XXXX credit score at the time of the delinquency reporting. Naviant has advised that they do not need to contact Customers by phone or in writing when they are past due. They advised that Customers should log online to verify their account status. Additional issues with the company include : 1 ) My account was placed in e-enrollment without my approval or knowledge. 2 ) Naviant changed the mailing address on my account without notifying me of anything. They advised they received a notification from a central database. Are companies able to do this without confirming with the Customer? I am unsure what address they updated and used as I have not received any communication until I sent my complaint letter. 3 ) I have attached the letter which states my account is in deferment until XX/XX/XXXX. The letter does not have any exceptions or conditions. Based on the pandemic and state of affairs in the world I accepted and appreciated the deferment period. 4 ) I have been unable to speak with anyone in management. 5 ) Upon knowledge of the matter, I quickly resumed payment. I would appreciate the delinquency be deleted effective immediately. | ||||||
| 09/06/2018 | Yes |
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| This complaint is a follow-up complaint to my original complaint filed last year. All details around this complaint can be found under the following reference number : XXXX My Private student loans are currently serviced through Navient. Throughout this entire process I have received inaccurate information on multiple occassions. Inaccuracies have been received around the payment due, payment amount and forbearances placed on my accounts. I have consulted with Customer Service on NUMEROUS occassions and it seems that the only time I receive any progress to correct information on my account is when I file a formal complain with the CFPB, so I am moving forward with this complaint for the second time. I have provided details of my encounters below and would like your assistance with getting this resolved to ensure that my account is secure and accurate as well as to ensure that my credit score is not impacted by these inaccuracies. I have identified the following issues with my account : 1. Forbearances placed on my account without no notification to me and without my permission. In XXXX, I requested a forbearance while trying to work with Navient to come up with an affordable payment option and I was advised that I used all of my allowed forbearance for this particular loan. I was notified that I utilized my forbearances from XXXX to XX/XX/XXXX and with this I am no longer allowed to request a forbearance. However, I did not request a forbearance at this time, and Navient should not have placed a forbearance on my account based on the actions they took to resolve my initial complaint from last XX/XX/XXXX under the following number : XXXX. From the representative I was advised that it was recorded in the system as a customer requested forbearance, and I did not put a request in for this. Due to the mistakes made by Navient employees, last year I am still being impacted. Please assist me in resolving this matter with Navient. 2. Inaccuracies/ mis-information on my account : I am not sure what the actual amount is that I should pay at this time, as I checked my account online and the payments were showing at XXXX dollars for the months of XXXX and XXXX. When I called in to confirm my payment amounts for the month of XXXX, I was advised that it was showing at XXXX, however the agent would investigate and give me a call back in a couple of days. No one ever contacted me back. After a couple of days I checked my account online and it shows that I am now behind 60 days for over {$1000.00}. For your record I have attached a screen shot of my account taken on XX/XX/XXXX at XXXX owed for the month of XXXX 's bill date of XX/XX/XXXX. These constant inconsistencies are causing undue stress since I get different information every time that I call into the 1800 number. I am working very hard to get a handle on my student loans and have been making payments monthly and would like your assistance in getting this matter resolved. | ||||||
| 11/15/2018 | Yes |
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| First off, I want to state that this issue was eventually resolved by Navient. I have only just learned of the lawsuits pending against Navient, however, and wanted to submit this information in case it might be pertinent to the legal issues at hand. In XXXX, I applied for my income-based repayment planned to be renewed. When Navient responded, they sent a letter stating that my application was denied. I contacted Navient by phone because I felt I qualified for the renewal and wanted to know why they had chosen to deny it. The Customer Service Representative with whom I spoke put me on hold while she checked my account. She then informed me that my receiving the letter had been the result of " a glitch '' and that my repayment amount would stay the same ( {$0.00} ). She also assured me this payment amount ( {$0.00} ) would run for one year after my initial plan ended and the renewal began. Not long after speaking with the CSR, however, I received an email from Navient telling me that my monthly payment would increase to {$63.00} and the first such payment would be due on XX/XX/XXXX. I made by second contact to Navient through a form on their website. The representative who responded told me the same as the first -- my application had been received, processed, and approved. I was told that it would go into effect before the XXXX due date so there was nothing for me to worry about. I logged into my Navient account on XX/XX/XXXX to check to make sure the payment had been adjusted. What I found, however, was that my account then showed as " PAST DUE '' with a new payment amount of {$120.00}! On that date, I contacted Navient for the third time total, my second written communication ( again, through their website ), and demanded immediate action before my credit rating was effected and late fees accrued. After that third contact, my account payment balance was finally reset to {$0.00}. I have renewed that same plan in XXXX and again in XXXX without issue. Again, this matter was eventually addressed by Navient but it took my contacting the company 3 separate times over the course of 3-4 months for them to correct an issue which I was assured to be correct from the outset. It is my opinion that this was an attempt to strong-arm me into making a payment ( or multiple payments ) when I was not financial able to do so, and I found these tactics quite unethical. ( Because this happened more than two years ago, I have very little proof. The written communications through the website are no longer accessible on my end, as communications older than one year are routinely removed from the message system on site. These communications should be included in my account history. The one thing I still have and am including as an attached image is a copy of the third communication that I sent in this matter. By that time, I was concerned that I might have to pursue legal channels, so I made a point of keeping a copy. ) | ||||||
| 08/22/2017 | Yes |
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| XX/XX/XXXX This letter of complaint is concerning Navient telling me that I owe higher monthly payments than what was agreed upon in my consolidation loan promissory notes payment plan. Navient sent me a letter onXX/XX/XXXX and XX/XX/XXXX with an updated payment schedule stating that my monthly payment will be increased to {$260.00} because my loans were under disclosed. According to my promissory note I selected the graduated payment plan C1 and my agreed upon payments are : 75 months at {$75.00} on XX/XX/XXXX 75 months at {$130.00} on XX/XX/XXXX 150 months at {$170.00} on XX/XX/XXXX Beginning XX/XX/XXXX I am on the final step of the payment plan of 150 payments of {$170.00} remaining with a payoff date of XX/XX/XXXX. Navients letter stated that in order to pay the loan off on time the payments have been adjusted to {$260.00}. No documentation ( though requested multiple times over the phone ) has been provided proving their claim. They indicated that an audio recording exists indicating that I agreed to this higher amount, but in order for me to hear the recording I will need to secure a subpoena, pursuing legal action. Upon further questioning they admitted that no such recording exists. When I spoke to representatives on the phone, telling them I can not pay the higher monthly amount they are demanding, they informed me that I could go into forbearance. Only after I communicated that this is something they are being sued over did they then inform me of other payment plans. At this time Navient is stating that I am 90 days past due on my loan despite my continuing to make payments of {$170.00} ( the payment due according to the promissory note ). I am asking Navient to correct this with all of the credit bureaus. I am also asking that my payment plan be corrected to the contractually agreed upon amount. Out of fear of being put into default I have paid the extra monthly amount that Navient has declared that I owe. I have paid Navient {$540.00} in overpayments from XX/XX/XXXX - XX/XX/XXXX. This extra amount is enough to cover my monthly payment due of {$170.00} for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am unemployed and have been borrowing money from family and friends to make these monthly payments. I am no longer able to make payments due to this undocumented increase in payment that Navient is stating that I owe. Unable to make Navients unjustified payment increase, I continued to make the agreed upon payment of {$170.00} starting in XX/XX/XXXX. Navient has charged late fees of {$100.00} for me not paying the higher amount. I am requesting that Navient return to me the amount of {$100.00} and any additional late fees added after XX/XX/XXXX. To reiterate, I am also requesting that any erroneous reports given by Navient stating that my account is 30 or more days past due be corrected with all credit bureaus. And lastly, that Navient correct the monthly amount due to the agreed upon {$170.00}. | ||||||
| 02/08/2017 | Yes |
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| I took out a parent plus loan so my daughter could attend XXXX XXXX of XXXX XXXX. When the loan was taken out I was told by the financial aid director that the checks will be sent directly to them due to problems in the past where they never received the money from past student that decided to not attend. XXXX XXXX XXXX financial aid director said that she would send me a check for the amount I took over school cost to pay myself back for purchasing my daughter 's XXXX. She said XXXX would need to complete so many hours before she could send me the money ( ca n't remember # of hours ). She did n't advise me of the name of the loan holder I would be going through. I got a few emails saying I owed Navinet over {$700.00} and need to pay right away. The emails did n't say what school they were for, so I figured tahey were some type of scam. I think I got a few possible calls from Navinet but still I felt this was a scam. Then in mid XXXX I received a letter stating I was going to be sent to collections. Even on this letter the school name did n't appear. I asked my daughter if this was who she had her loan through. She advise me it was not her lender. I decided to call to see what this was all about since they keep on trying to contact me and also said I would be sent to collections. When I called I spoke to XXXX, I asked if this was the loan for my daughter 's XXXX. She advised me I was behind {$770.00} on the loan for {$17000.00}. I asked why the loan owed was that amount when my daughter only attended for 6 months was on XXXX for 6 months then forced to withdrawal due to a medical condition. She proceeded to tell me that they sent me the check for the amount of my loan. I told her I never got the check that is was sent to the school. I asked what address they sent check to? She gave my home address XXXX XXXX XXXX XXXX XXXX XXXX. I told her that was a lie. She said they only pay check to the borrower. I told her that they never sent me the check. Also I never cashed a check from them. I only got a check from the school after for the amount I borrowed to pay myself back for her XXXX I asked for copy of front and back of check. She put me on hold then told me they were n't allowed to do that, they could only send it to the borrower. I said I am the borrower, and they are legally able to provide that to me. She said get copy from the school. I said if check was sent to me and cashed by me why would the school have copies. I told her they did send it to the school directly and not to me the borrower. She argued with me it was sent to me. I asked why they would send the full amount of the loan when she was only attending for 6 months plus the school also took money from my daughter 's loans she took out. I asked for a supervisor she refused to do so each time I asked. I got tired of arguing with her and said I was out on a XXXX and unable to pay at this time. She set up a forbearance to hold my payments until XXXX 2017. | ||||||
| 08/09/2016 | Yes |
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| Apparently the settlement resulting from their XX/XX/XXXX A lawsuit was n't enough for XXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX ). Although the school was forced to pay out approximately {>= $1,000,000} in settlement for complaints leading all the way back to XX/XX/XXXX, it apparently did n't have any impact on XXXX. More recent lawsuits have been filed against XXXX XXXX as well as against lender Sallie Mae by former students who claim that hidden fees suddenly appeared on their loans after their terms changed without their agreement. One such former student stated he found that his already ridiculous loan totally XX/XX/XXXX had ballooned to over {$220000.00} when it defaulted and he became aware of the hidden terms and their changes in addition to unreasonable debt collection fees by collectors. Students were led to believe that they were pretty well guaranteed jobs upon graduation and students could expect to earn between $ XXXX-XXXX per year. Considering the median salary for waged photographers is more like {$25000.00} per year and that XXXX has a XXXX dropout rate, this was proven to be highly unlikely a result for graduates. XXXX also requires that students begin paying back their loans for tuition within 6 months of walking in the door. This means students going to school full time have to come up with loan payments on tuition of {$25000.00} per year while still attending and is contrary to the industry standard. Most schools defer loan payments until students have graduated and are out of the program for 6 months. While some individuals state this is in the fine print somewhere, for low-income students, many of which are the first in their family to attend university, the fine print was missed if it did exist. Investigators discovered that contrary to what XXXX was stating about their job placement and salary expectations, not one graduate from the program was even earning {$50000.00} per year, let alone anything beyond the lower amount. XXXX jobs paying those substantial figures involve additional skills like journalism or communications, business savvy, and connections to get. With XXXX XXXX signing up hundreds of XXXX students per year in a job market that does n't require that many placements, how on earth did they expect all these students to find jobs. Many graduating students found that the XXXX jobs they could get were the generic type at XXXX or XXXX XXXX centers, earned not much beyond minimum wage, and did n't require a degree in XXXX. Flooding the field with hundreds of graduates per year was unlikely to improve those job prospects any ... if the students managed to graduate that is. This school remains open and offers the identical classes, still has seriously overpriced tuition, and XXXX % or higher job placement success rates. Tuition for similar programs at community colleges and universities is generally less than half the price than this bloated school and its promises. | ||||||
| 08/09/2016 | Yes |
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| I started paying my loans to XXXX XXXX XXXX after graduating XXXX. They had all my loans private and federal. I paid consistently what my salaries would allow. I had several jobs on & off through the great recession. I lost my last job XXXX and payments got behind, so XXXX of XXXX I called XXXX XXXX and was told Navient had my loans. Talking to Navient I set up a payment plan I could afford while bar tending part time. When I spoke to them, I asked repeatedly if this is ALL my loans and he reassured me it was. I had it set up as autopay that was fine until XXXX XXXX when they stopped taking it out. Today I got a letter from Pioneer Credit recovery that says I am in default and XXXX XXXX XXXX has my loan and I have not made a payment since XXXX. Who is XXXX and when did they get my loans? I called Pioneer and they want to put me in a rehabilitation. What? Why has Navient not been paying all that they told me they were. So before I set that up, I wanted to do some searching. I called the government Loan Locator # XXXX XXXX XXXX. XXXX tells me I have XXXX loans all at NAvient. She gives me XXXX XXXX number XXXX XXXX and I call but it is NAvient - talked to XXXX and she says that my account is XXXX loans and all are current. After tallking to her she gives me XXXX XXXX # XXXX XXXX XXXX. I call and talked to XXXX who works for Navient but speaks for XXXX XXXX!! She tells me that XXXX loan was paid for by XXXX because it was in default and that I only have XXXX loan with XXXX. Navient website says XXXX were picked up by XXXX XXXX. She is going to mail me a letter stating that. Now I am on my XXXX phone call and each one has a different answer. And NONE of them can tell me why all my loans where not paid on when I repeatedly asked back in XXXX of XXXX if all were covered. As they can see by my payment history starting the year I graduated I tried to pay what I could depending on my work at the time - during the worse recession that we all were trying to get through. This collections agency 's letter says there is a {$1100.00} " Collect Charge ''! Is this the way XXXX and Navient are making money? Especially since they seem to be the same company ... Back in XXXX XXXX, were they paying their employees bonuses on how much they could send to default, so they give false information? I feel the man I talked to had to out & out LIE because he said over and over all your loans are covered, " Federal & private ''. And now one year later the automatic payments stop, another way to collect late fees? If they see I am consistently paying on XXXX of the loans - would n't that raise a red flag that some one there dropped the ball - why all were not taken care of with that call? Why would I choose to pay only part of what I owe especially since I initiated the calls. Now that my credit will be impacted and my late fees and collect charges add to my loan balance, it seems like a never ending cycle. What recourse do I have? Thank You | ||||||
| 06/07/2019 | Yes |
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| As part of my student loan record Navient is listing me as delinquent from XXXX thru XXXX of XXXX. Navient isreporting 90, 120, 150, and 180day delinquencies to the credit bureaus as past due during this period. Moreover, they allege I owe late fees totaling XXXX XXXX from these delinquencies. The former isnt possible as there were forbearances in place from XX/XX/XXXX to XX/XX/XXXX ( Sallie Mae ) and from XX/XX/XXXX to XX/XX/XXXX ( Navient ) respectively. Therefore the alleged associated late fees are a fabrication. Relevant History On or about XX/XX/XXXX Sallie Mae announced their reorganization and introduced Navient. Knowing I had a forbearance in place that needed to be renewed, I made numerous attempts to contact and register with Navient with no success. There were NO communications from Navient regarding the status of my forbearance, just standardized emails regardless of my many attempts to contact them. In XXXX of XXXX I sent an email to Sallie Mae requesting help, but didnt receive a response. In desperation, I requested help from the Student Assistance Corp, received a response in XXXX of XXXX but unsure I was just walking into another problematic student loan service provider continued to pursue Navient options. Navient finally responded to an email that I sent in XXXX of XXXX requesting forms for a deferment, a forbearance renewal, or to apply for an IDR plan. In their response they do mention an IDR option, but their focus is on deferments and forbearances. And their IDR information misrepresents the option and its requirements indicating ; If you meet the federal definition for partial financial hardship, you may qualify for a reduction in your monthly payment under this plan... There is no mention that under an IDR plan the payment could be zero, which is what I needed at the time. Moreover, there is no mention that the IDR option could lead to loan forgiveness. Renewing the forbearance option was pursued, and in XXXX of XXXX Navient sent their Notice of Forbearance Approval. The Forbearance ran from XXXX of XXXX to XXXX of XXXX consecutively from the earlier forbearance. Therefore there couldnt be delinquent payment ( s ) from XXXX to XXXX of XXXX as Navient is reporting to the credit bureaus. This would have been covered by the forbearance or administrative forbearance as indicated in their XX/XX/XXXX email. It was through contacting StudentLoans.gov that I learned the real value of an IDR plan. The first IDR plan was applied for, approved, and implemented in XXXX of XXXX. Two years were lost when I could have been on an IDR plan due to Navients negligence and misleading communications. In support of my complaint I can send copies of emails to/from the parties confirming my above statements are true. P.S. On XXXX a follow up complaint was registered with Navient via email regarding the alleged delinquencies. Typical of Navient ; to date I havent even received an acknowledgement. | ||||||
| 09/20/2018 | Yes |
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| XXXX -- Sallie Mae purchased loan and required everyone to pay for transcripts and mail proof residence every semester, and some people who moved -- which is NOT unusual, as students typ. 'ly go home every semester end, and re-rent a new place with a new address -- where some students didn't get the memo, that we were required to pay for transcripts and tell Sallie Mae , that we're Still FULL TIME STUDENTS -- look .... The GSL program does not require students to prove they're a fulltime student, nor prove where we live -- so if we did not, over 1,000s of students were denied their right to receive their financial aid disbursements, as they were told upon returning to college -- we were in default on a loan that to this day has never been told to me why the loan was in default. I wrote about five letters to Sallie Mae, so far, one in XXXX, and another in XXXX -- to this day they have not responded, only stating once on the phone in XXXX, saying they have done no wrong. Tell me, if the GSL program through it's own program, " ... no student can be denied ... their right to an education through the GSL program ... '', yet, I was denied my Financial Aid that school semester, XXXX where a class I needed to graduate was only offered that semester, and where I was forced to pay restitution and consolidate my loans, thus increasing the overall average interest rate .... Under Title IV Monies -- this debt is no longer valid, having been denied an education, and being denied the right to receive what was my right under this program written under this statue to protect the student, " ... where the student shall bear no harm through this program .... '' Over calling all peoples ... attorneys, Sallie Mae, XXXX, XXXX ; the Department of Education -- no one is answering the call as to why my loan was defaulted, and where frustration to pay for something that is and was and will always be illegal, and possibly criminal for corporate greed, as these loans were guaranteed to be paid to Sallie Mae without loss, IF THEY SHOWED THE LOAN WAS IN DEFAULT, they were able to get fees and interest paid in addition to loan amount, and why you have received this complaint. The GSL program on the promissory note ( one-page ), says to keep your Name ; Address ; and Phone Number current at the University, and maintain a GPA of 2.0 or better .... This was done, and yet, I was defaulted, and where no Government, nor Private entity has ever state to me why was I harmed by the use of GSL Program. Note : It is believed, numerous other Students were also harmed by Sallie Mae, when defaulting student loans wrongful only for interest and fees for profit to get money immediately through defaulting student loans, even IF they meet all criteria of the Guaranteed Student Loan Program, and Title IV Monies implemented by the United States Government, to Federal Law ... .in an effort to aid students less fortunate .... Thank you for your time. | ||||||
| 07/02/2019 | Yes |
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| To whom it may concern, Currently, I have eleven student loans. Two student loans are with Navient Corporation and are up to date. Nine are with the Department of Education and are in default status. More than three years ago my wife and I decided to consolidate our individual student loans. We both contacted Navient by phone and set up consolidation plans. All her loans were consolidated by Navient. Unknown to me, all eleven of my loans were not consolidated. Navient only took two of the loans, so the other nine sat at the Department of Education without my knowledge. I was under the impression from Navient that all eleven had been consolidated back in XXXX. We filed our XXXX taxes in XX/XX/XXXX. We were to receive a refund. In XX/XX/XXXX, I received a letter from the IRS stating that they had seized, treasury offset, my tax refund because I had student loans in default. I immediately called the Department of Education and I was forwarded to their collection company, Consumer Research. I found out, by phone and online that nine of my student loans were in default since XXXX, with a principle balance of approximately {$44000.00}. Added onto the principle balance an {$8000.00} service fee by Consumer research. A total of around {$52000.00} was due. Over the last three years, I was under the impression that I was either paying monthly payments on my student loans or when employment was part time, Navient suggested that I either defer or do a forbearance due to economic hardship. The remaining student loans at the Department of Education sat for more than three years went into default and there was no attempt to communicate that information to me by mail, email, or phone by the Department of Education for the past three years. When I spoke to a representative from Consumer Research, I was certified and then told that I have three options to settle my defaulted student loans. None of which I could afford, so I have been currently working with a company called XXXX XXXX to attempt to get my student loans out of default. The Navient Corporation is currently being sued by five plus states including Washington, who have alleged improper actions on behalf of student loan borrowers. I have recently contacted the Washington State Attorney Generals office and filed a complaint against Navient. For Misallocated payments Steered me toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans Created obstacles to repayment by providing bad information Processed payment incorrectly Failed to act when I complained Harmed the credit of XXXX veterans, I am a XXXX XXXX veteran. The Consumer Financial Protection Agency has alleged Navient has systematically and illegally failed borrowers at every stage of repayment. Thank you for your time. I appreciate and am grateful for the opportunity to explain my student loan situation. | ||||||
| 10/11/2022 | Yes |
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| My private student loans are with Navient XXXXolutions. I am in a rate reduction program. I have two scheduled payments through Navient that come out on the XXXX of every single month, one in the amount of {$140.00} and one in the amount of {$63.00}. These payments have being coming out since XX/XX/XXXX via electronic checks that Navient writes to my bank, as if it were from me. My bank which is XXXX XXXX XXXX, receives the checks and processes the request for payment and it usually posts within three days of said request. These payments did NOT come out of my checking account via XXXX for the month of XX/XX/XXXX, however Navient claims the payment has posted, and continues to claim this no matter what I say. I called XXXX and asked them if they missed anything and they said they have no record of any request for payment from Navient. I began calling Navient on XX/XX/XXXX and have spoken to them a total of XXXX times since then, including a call yesterday. At first I had to fight them on getting them to look further into this issue. Finally a nicer more wise representative by the name of XXXX XXXX was able to submit a request into accounting to dig a little deeper. When I had not heard anything for a couple of days after that I called back and could not reach XXXX, so I spoke to a supervisor named XXXX XXXX. I got her on the phone and merged the call with a representative of the office of the CEO of XXXX XXXX XXXX, where XXXX was able to confirm to XXXX at Navient, indeed these payments had not come out of my checking account. XXXX submitted another request and tried to call me back but had to leave a voicemail, where she told me they are still looking into it. I have not heard anything back as of yet to these inquiries. Each time I call Navient I get a different person and I can not get the same person twice. I have to go through the whole story all over again. I have asked Navient to produce check numbers, of the checks THEY WRITE, and they can not provide these numbers. I was told twice, once by a random supervisor they don't actually log those numbers, they put in any number as a placeholder. I don't understand what kind of accounting system this is. All I know is a. my account still shows no payment posted by Navient. b. I'm tired of boing back and forth with Navient and this nonsense. I can not believe I have to fight this company to make sure a payment posted. Obviously they messed up somewhere and I can not get any answers as to why and it's been almost a month. c. I received a letter today that just reiterates the lie they keep telling me that a payment posted, which shows only one of the two payments that posted. d. I'd really like if the IRS audited this company. Something is not right here. This is absolutely unacceptable. I have attached the letter they sent to me today claiming a payment has been made. I have also attached an example of one of the checks they write on my behalf to my bank XXXX. | ||||||
| 02/01/2018 | Yes |
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| The following is a summary of my interactions with Navient, my private student loan lender : On XX/XX/XXXX the sum of {$1600.00} was automatically withdrawn from my account. As a graduate student working part time at a XXXX XXXX, this was an extremely large amount of money that brought my balance well below XXXX. When I contacted Navient, I was informed that I had exhausted all of my options for deferment or forbearance. I was not aware that there was a limit to the amount of deferments or forbearances available for private student loans. I asked to be put on a repayment plan. On XX/XX/XXXX, I spoke with a represenatative and a member of the management team. After several conversations they had with me, as well as my father and mother, reviewing details of our financial situation, they offered to put us on a repayment reduction plan with the repayment amount of {$810.00}. This was still an extremely high amount for me and my parents, who are both retired. But since they assured us that this amount was the lowest they could offer and since it was significantly lower than the full, original amount, we agreed. The contract was for a year, after which, our financial situation would be reviewed once again. We hoped that if we kept making payments for a year, without hassle, we would be rewarded with a chance to renew our contract with a lower monthly payment. At that time my parents had ample savings. However, early last year, around XXXX of XXXX, my uncle decided to sue my father over an inheritance dispute. This lawsuit has cost him nearly {$60000.00} - so far, since it is still on-going. The savings is being drained, nearly gone. They can not afford to help me with my student loans. On XX/XX/XXXX, I was given notice that my repayment reduction plan would expire in XXXX. I called Navient on XX/XX/XXXX and XXXX and asked for the plan to be extended. I had to provide details overviewing my financial situation. ( I am employed hourly, making an average of {$1000.00} a month, my rent and bills not including food or day-to-day expenses total about {$500.00} a month. ) So did my father, who explained his legal as well as financial situation. ( My father and mother have a combined income of roughly {$2000.00} from social security. ) At first, we were offerred a repayment of {$850.00}. After much protest, that amount was lowered to {$780.00}, starting in XXXX, but that was as low as they would go. I called again on XX/XX/XXXX to make sure but still the amount wouldn't budge. Furthermore, the amount of my total payment due listed on the home page of my online account fluctuates a great deal, sometimes as low as {$650.00}. However, since we agreed to the fixed payment amount of {$780.00} ( currently still {$810.00} ) that's the amount that gets withdrawn from my account each month, no matter what I owe. I don't understand why payments can't be lowered. We are willing to pay but we simply can't afford that much. | ||||||
| 02/13/2017 | Yes |
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| This is my second complaint to the CFPB, first complaint case # XXXX, regarding Navient Solutions Group. I received a XXXX XXXX Tuition Answer student loan in XXXX or XXXX. The {$25000.00} dollar loan has since more than doubled that amount since I first received it. Another problem I am having is with Navient Solutions the servicing company handling the collection of the payments. Navient has ruined my credit standings with XXXX and the other XXXX credit agencies. On XXXX XXXX XXXX, I called Navient and informed them that I was living in a hotel due to a fire in my home, and at the point I tried to use my several months forbearance. Navient Reps gave me the run-around for several months telling me I had to speak to a specific rep that had approved the forbearance but every time I called asking to speak to the reps some of the reps told me they did not know who the rep was or she was unavailable at the time. I continued to call and now the reps story was I was unable to use the forbearance because I did not have enough months to cover the time period in which my payment was due. I was finally granted the forbearance for the time period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX but they still reported me as being late after granting me a retroactive-forbearance. During the forbearance I made 3 payments of XXXX. One of those 3 payments was for the month of XXXX XXXX XXXX this is one of the months they have reported me to the credit agencies as being late. They refuse to change the information with the credit agency. I have reached-out countless times still the information on my credit report remains the same. It is now XXXX/XXXX/XXXX, and I am in complaint again about Navient. This company has reported me again to the credit bureaus, it was reported to XXXX Credit Bureau on the XXXX of XXXX. The information reported in error was that I was 60 days late with payment, which is totally incorrect. I filed a loan forgiveness with the federal student loan to discharge my federal student loans, which was granted more than a year ago. I filed a loan forgiveness with Navient and the request and application went unanswered. till this day I have not received the status of my student loan forgiveness application with Navient. I was told by a representative at Navient to continue to make my regular monthly payments until my application has been decided, so I did. the first I was reported to the credit bureaus it destroyed my credit. I was unable to refinance my home, I was stuck in a rut. The first time I was reported late to the credit bureaus I had made payments on those days. The damage that Navient caused was irreversible. XXXX of the credit bureaus XXXX initially removed the negative information from my credit report but XXXX never did. Since then XXXX is the only company that has kept the negative information off my credit report. Navient is detroying my credit report and I may never have the opportunity to refinance my home. | ||||||
| 08/30/2016 | Yes |
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| I took out a {$10000.00} XXXX loan to aid in XXXX interview travel in XX/XX/XXXX with a payment term of 240 months. I fell behind in repayment in the mid to late residency and fellowship training. Upon completion of XXXX XXXX XXXX and entry in into the medical work- force, this loan was paid in earnest completing repayment in full XX/XX/XXXX well under half of the loan original repayment term. This loan was repaid through the same servicer, Navient, as my XXXX other federal loans. It was repaid first. I noticed that as I repaid each of the other loans their status on the website changed to " paid in full '' from " in repayment. '' The aforementioned XXXX did not make this change. It continues to be listed as in repayment. I have discussed the the customer service representatives from Navient in an effort to determine why this loan was listed as in repayment, furthermore, I have noticed that this loan has been listed in my credit reports as closed as a write off in excess of {$12000.00} dollars whereas all other loans that were subsequently paid in full are listed as closed and paid in full. This is negatively impacting my credit. I have contacted the customer service at Navient on multiple occasions each time with the same outcome, the Customer serice representative s ( CSRs ) of Navient for the division that works with the website and federal loans explain that they have no role in private loans and the CSRs in the private loan division state that they have no control over the way the loan is listed on Navient 's website. On my second attempt to discuss the website listing the loan as 'in repayment, ' the CSR reported to me that both of here supervisors refused to speak to me when I appealed for there assistance with this issue that had proven too complex for the CSRs and then the line suddenly became disconnected. As the issue issue above appears on my credit report as a derogatory mark, I have requested the CSRs from Navient 's private loan division to send a letter documenting what they reported to me the found on the phone -- that the loan repayment was complete and paid in full. When I received the letter it was dated XXXX/XXXX/XXXX and it stated, " On XXXX XXXX, XXXX, we received the final payment of {$1.00} for the private student loan referenced above. Once the funds clear, we 'll consider the loan to be paid in full and will notify the consumer reporting agencies of the updated status. '' Thus, after 18 months this {$1.00} payment remains pending clearance and despite the assertions by Navient CSRs the the loan is repaid in full their websites, official communications and reports the the credit bureaus are not reflecting this. I do not understand how this {$1.00} payment has remained uncleared and in limbo fo this long and am requesting assistance as this error has impacted me financially in a negative fashion and I have been unable to get it addressed via Navients Customer service system. | ||||||
| 03/17/2019 | Yes |
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Web | Older American, Servicemember |
| My name is XXXX XXXX XXXX, XXXX Era Veteran XXXX, In XXXX to XXXX I was enrolled at the XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, CA. At the time I applied for several loans to supplement my education. The federal loan guarantor was Sallie Mae. I have been working in the retail industry for past 18-yrs. Retail jobs don't pay what they use too! We barely make enough money to pay our rent. Since XXXX of XXXX, I have been in school for the past three years, I filed an in-school deferment with XXXX in XXXX, after having completed a one-year payment rehabilitation program with XXXX. I was assured that my student loan was out of the default, then I received notice from Navient stating that my student loans were in default and was required to enter into a contract since then my federal taxes have been garnished each year XXXX. I spoke to Navient and asked them if they were connected to XXXX, they said no '', and that they have no record of me ever paying down my student loan or entering an XXXX rehab program. I was also told by Navient that I could not submitt an in-school deferment because I was to far in default, and that this was the only option. Last week XX/XX/XXXX, a person named XXXX from Navient said that I could be a candidate for the fresh start program, and sent me an application. I was surprised to find out that the loan guarantor on the fresh start application is listed as XXXX, which Navient denies having any ties with that company. Below is a copy of the email I received from Navient. So my question is is this legal what Navient is doing, or are they committing fraud. I am a XXXX Veteran of the United States XXXX XXXX with service-connected XXXX, my education is currently being funded by the U.S. Department of Veterans Affairs Vocational Rehabilitation & Education Program. I have three dependents my wife and I make less than {$24000.00} a year, this is the reason I am pursuing an education to improve our situation. Email sent to Navient : Hi XXXX, thank you for sending the PDF fresh start application. However, I have a question, I noticed that the application has XXXX listed as the guarantor, I was told by one of your representatives that Navient was not connected with XXXX. During XXXX, I entered into a rehabilitation program with XXXX to bring my federal student loans out of default, I completed the program only after making several payments to XXXX only to have XXXX refer my loans over to your company. Which seems to be one and the same. When I inquired with your company, I was told that no record exists of any payments made during this time. But yet your contract indicates that you are apparently doing business on behave of XXXX. Can you explain the reason for this! Thank you, XXXX XXXX The Attachment send by Navient : NAVIENT XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( aka ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} $ {$13000.00} $ {$2100.00} $ {$15000.00} $ | ||||||
| 11/02/2018 | Yes |
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| I have a large amount of student loan debt as I have tried several times to complete my degree program. My loan amounts are approx. {$70000.00} at this time. I started college in XX/XX/XXXX after I graduated high school and I did complete an XXXX Degree program. I have since enrolled in several XXXX Degree programs and have been unsuccessful in completing them. The financial aid departments and college recruiters never tell you the extreme levels of harassment that Naviant will take to get paid on their loans. I understand I that I owe the debt. I also understand that I have XXXX children and I work a full time job. My fiance and I are struggling to keep our rent paid and our electricity turned on at this point in our lives. XXXX of my children 's birthdays are coming up and XXXX is right behind that. It's difficult to explain to children that I couldn't buy them a birthday gift because I had to pay for degree that I actually never got. It's also difficult to explain to our landlord that we couldn't pay our rent for the same reason. I've done my best to pay {$50.00} a month for two years and I reviewed to find out that instead of paying that {$50.00} dollars toward the lowest or highest interest accruing loan, Navient was taking the {$50.00} and splitting into change across the several loans and making appear that my several payments I could make actually never had any impact at all while continuing to charge me interest on all of the loans. Over the last year I have made payments to loans when I could but the loans that had the lowest balances in an effort to actually pay off some of the loans before I die, as based on their payment allocation or payment options I will either never be able to pay the loans off or never be able to afford to pay the loans off. I do not know a person who can with my salary make payments to a loan of over {$2000.00}. I was notified last night, via XXXX XXXX, by a neighbor that I grew up beside that Navient had reached out to them. Let me be clear, I haven't seen or spoken to this woman for 15 years and Navient reached out to her to contact me about my student loans. Navient also reached out to my father, whom I haven't spoken to for over 10 years. I'm XXXX years old. I'm curious to why these people are being contacted in regards to my debt.I feel that this may be a violation of the FDCPA. I spoke with someone at Naviant last night, who stated that it's a form of " skip tracing '' which makes me feel like a criminal. Over student loan debt. She asked me to call again today to make a payment of {$50.00} to clear the past due history until XX/XX/XXXX. I plan to call to pay the {$50.00}, which takes {$50.00} from my grocery bill for this week. Which means my fiance and I will not have lunch for this upcoming week, but I understand this debt is important and I don't want to have any more calls to my friends or any acquaintances I may have listed from the " skip tracing '' | ||||||
| 05/11/2017 | Yes |
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Web | Servicemember |
| Hello, My brother XXXX XXXX XXXX worked with XXXX in XXXX and met his obligations under the Loan Rehabilitation Program and as such his loan was returned to Navient ( attached ). XXXX 's account number with Navient is XXXX and his loan number is XXXX . My brother was not working and had XXXX medical conditions, living with my parents and relying on them for all care. On XXXX XXXX , XXXX my brother 's body was discovered and he was pronounced deceased. An autopsy was required and the final death certificate was released on XXXX XXXX , XXXX XXXX attached ). My parents are XXXX and XXXX years old, liv ing on a fixed income reliant on social security. I supported my parents in managing notification to all medical providers and Navient to get the accounts closed. My brother left no estate and instead only died with bills. On XXXX XXXX , XXXX I contacted Navient and spoke with XXXX and he indicated I needed to submit to them the death certificate once it is released and then they would close out the loan. On XXXX XXXX , XXXX I mailed Navient the death certificate ( attached ). On the next bill from Navient i t was addressed to my fathe r ( attached ), so I contacted Navient to check on the status of getting the loan cancelled. They told me it can take several months for the death certificate to be processed. Over the past 3 months Navient has called my parent 's home up to 10 times a day, sometimes as late as XXXX XXXX , asking for the loan to be repaid. During the first month my parents would explain that my brother was deceased and that the loan should be closed. I called Navient twice during this time period and each time was told that they had not processed the death certificate yet and that it can take time to be processed. I let them know that each call Navient makes causes emotional trauma to my parents because they find it so difficult to speak about my brother 's death. They assured me the calls would stop. I told my parents to stop answering Navient 's calls because they assured me they would cancel the loan once the death certificate was processed. Last week I called them to check on the status and they informed me that they will no longer speak with me. I asked why and they said that my father was a co-signer on the loan so they will only work through him. I explained that I was not aware of this and said that my father will have a difficult time speaking with them because he will get confused about what is going on. I also indicated my parents never mentioned anything about co-signing and if it did happen my father likely did not understand what he was doing. I subsequently spoke with my parents and my father indicate he recalls signing a form to help my brother but did not realize it meant he would have to repay my brother 's debt. As I previously stated, my father is XXXX years old, living on a fixed income. | ||||||
| 12/27/2016 | Yes |
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| My complaint is for Navient autopay practices. My expected payment amount of {$340.00} did not occur on the designated date ( XXXX ). Instead, I was charged a overdraft fee even though the expected debit amount was available. I received a letter from Navient dated the day of my expected payment ( XXXX ) letting me know that my payment amount would change to {$1000.00} beginning the following month ( XXXX/XXXX/2017 ). However, Navient debited my checking account on the designated day ( XXXX ) for {$1000.00} instead of {$340.00}, hence the reason for the overdraft fee. Needless to say, I was severely impacted by the loss of {$690.00} of my funds plus the overdraft fee. Note that XXXX, the day of the debit is the same date on the letter. Therefore, there was no advanced notice from Navient that my payment would change in XXXX ( versus the letter stating it would change in XXXX ). When I called to explain this and request a refund, I was told I they would have to do a forebearance on my account. For which I totally disagreed and requested to speak with management. After waiting approximately 20-25 for a manager, the representative returned and said the manager agreed to request my account not to go into forebearance, agreed to refund me the difference of {$690.00} ( but it would take up to 15 business days ) and that I would have to send/fax a copy of my overdraft fee in order to get that reimbursed. The impact of have {$720.00} ( {$690.00} and {$29.00} OD Fee ) removed from account is detrimental. Especially with no warning. No knowledge means no consent. I was told that I was made aware two years ago that the payment would change. Two years ago. To which I responded, the notice from two years ago was sent to me in order to agree with the change or make other arrangements. That notice two years ago came prior to the change occurring at that time. There are breaks in Navient 's controls : A notice of payment change dated the same day as the debit occurs ( no prior notice or consent ). A notice that states the change will occur on the following month, but occurs the month before the notice is received ( deceptive ). The notice stating if your auto pay amount changes, Navient will provide at least a 10-day notice before the next auto pay ( false statement in this case ). The amount debited without knowledge not being able to be returned for up to 15 business days ( abusive ). The possibility of forebearance on your loan for Navient 's lack of controls ( unfair ). All of that to say : Navient has not exercised fair practices. I find this an abuse of my rights. Who knows if others have had this happen to them or the long term consequences of Navient 's actions. Will this have an impact on my loans, my interest, or my future payments because something will have to be adjusted on their end? While it appears that my issue is being corrected, I find it very disheartening that Navient operates in this manner. | ||||||
| 01/19/2017 | Yes |
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| On XXXX XXXX, XXXX I received a letter from Navient informing me my loan terms have changed with new terms beginning XXXX/XXXX/XXXX and ending XXXX/XXXX/XXXX. I graduated college in XXXX of XXXX and took out a 10 year term loan repayment plan which started XXXX XXXX and should have been fully paid in XXXX, 10 years from when I began loan payments. The balance to be paid over the new 10 year term ( XXXX to XXXX ) is now {$9500.00} as per the letter from Navient on XXXX/XXXX/XXXX. If the loans were properly set up and amortized when first originated in XXXX XXXX - why is n't the full balance paid at the end of the initial 10 year term from XXXX to XXXX? I called Navient upon receiving this letter dated XXXX XXXX, XXXX and the representative on the phone went immediately into applying for student loan forgiveness which I did not understand as that was not the intention of my call. When I got into specifics of the loan, the representative stated a letter was sent to me when XXXX ( now Navient ) acquired the loan. I located that notice dated XXXX/XXXX/XXXX which detailed the XXXX loans that were transferred from XXXX to XXXX ( Navient ). There is no mention on this letter of any change in terms, payment amount or similar. My loan payment amount remained the same as it was from initial origination in XXXX XXXX to all the way up to XXXX in which both loans were fixed rate term loans. If my payments were set up over a 10 year period starting from XXXX XXXX, I am not understanding why my loan has n't been fully repaid 10 years from XXXX XXXX. Instead, I received a notice stating a balance of {$750000.00} considering interest ( total {$9500.00} ) is now being rolled into a new term initiating XXXX/XXXX/XXXX to XXXX/XXXX/XXXX - at which point my payment has been reduced to {$79.00} per month. I left the call dis-satisfied and my questions not answered at all by Navient. Then I received another letter from Navient on XXXX XXXX, XXXX, stating 'We recently sent a letter detailing a required change to your monthly payment. We would like to further explain the reason for that change to help you better understand why the change took place '. Further stated, 'Navient is required, based on all of your outstanding loan balances that are included in your consolidation loa, to use the maximum number of months allowed for your repayment period. This did not occur at the time of your loans were originally consolidated. Navient is obligated to correct your repayment terms to comply with federal regulation and notify you of the change. ' So as a result - my loan has been 'reset ' as they put it to this new 10 year term, with a new balance and new payment. When it should have been fully paid off 10 years from my first payment in XXXX XXXX. I did not bother calling back Navient as they were of no help when I first received the letter dated on XXXX/XXXX/XXXX, instead I decided to go the route of contacting the CFPB and BBB. | ||||||
| 07/10/2018 | Yes |
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| I have three ( 3 ) PLUS loans with a standard repayment term of ten ( 10 ) years. They were issued by the Dept. of Education in. The loans were later transferred to SallieMae in the year XXXX under the terms of the original promissory note. I then received a letter in XXXX from SallieMae and Navient stating they were now servicing the loan on behalf of the Dept. of Education. The letter stated there will be no changes to the terms, conditions and benefits of the existing loans. I moved around a couple of times, retired, and I called Navient to discuss how I could repay my loans and get back on good repayment terms. The customer service representative ( csr ) recommended a forbearance or deferment period of one year. I agreed and understood my payments would resume as originally agreed upon. When I called back in a year, I was given more information about the forbearances and I eventually agreed to defer payments for a total of two ( 2 ) more forbearance years. I was informed that my payment of {$200.00} for 240 months would stay the same. I was also informed of income related plans but when I applied for them, I was denied. The csr then informed me that if I consolidated my loans, I would then be eligible for an income contingency repayment plan. I took the advice, consolidated my loans, applied, didn't qualify, and was denied again. I am now no longer eligible for forbearances and my repayment resumed in XXXX. Right before repayment, I received notice stating my payment amount had increased When I further delved into my repayment terms, I realized my payments had not only increased but an additional ten ( 10 ) years were added. My original loan in the amount of {$24000.00} for 240 months ( $ XXXX/monthly pymt ) has been updated to a pymt of $ XXXX/mo for 20 years ( XX/XX/XXXX ) for a total payoff of {$60000.00}!! When I called to voice a complaint, I was informed : " The 10 year Standard Level plan was the original repayment plan for your individual loans. When you Consolidate the Department of Education resets the Standard Level repayment terms based on the total balance of the loans being consolidated from anywhere between 12 and 35 years. The monthly payment is higher now because you have used 36 months of Voluntary Forbearance time. If you would like to pay your loan in 120 years, you can request that we increase your monthly payment to {$360.00} to pay the loan in full ''. I will be in my XXXX 's by the end of those repayment terms and would have paid double the amount owed. I was never informed of these changes when I talked to the csr. I would never have agreed to a forbearance or consolidation of my loans had I been told my loan terms would change to such a marked degree. I feel I was falsely coerced into these changes and also feel preyed upon as a trusting consumer. The phone conversations I had with Navient misled me into believing my payments and terms were still the same. | ||||||
| 06/21/2023 | Yes |
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| According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission whichis against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. | ||||||
| 01/20/2022 | Yes |
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| Hi- I am a victim of Navients predatory lending practices when I took out my first loan through Sallie Mae back in 2007. They assured me that a 10-15 % variable rate loan was a good loan and I proceeded with their guidance. I borrowed approximately XXXX to go to school. By the time I was out of school that amount had ballooned to approximately XXXX. I asked many times about repayment options and all they did for me was put me into forbearance. Everytime I was put into a forbearance I had to pay a XXXX fee and then I would have a forbearance for 6 months. The amount would balloon making my debt grow and grow and grow. They harrassed me and my cosigners, who were my parents, they made my life a living XXXX and I literally have XXXX and anxiety over this. They would tell me " well we aren't the ones who decided to borrow this money '' or they'd gaslight me and say " sir, do you know how a loan works? '' when I was trying to explain to them that my loan was being mismanaged. It made me regret ever going to school. Finally I was able to find a job and I had agree 'd upon making payments with Navient. They put me in a temporary reduced interest rate program that lowered my interest 10-15 % variable rate loan to 5 % but only temporarily and this too cost a fee. My payment was around XXXX a month. I had been making these payments for close to 3 or 4 years when the reduced interest rate program had ended. I paid off almost nothing over this period of time. Even with my job, this was a major struggle. Finally, I had reached a point where I had to escape this predatory lending and luckily I qualified to refinance at a lower interest rate and this would get my cosigners off. However, I now have much much more debt than I'd ever have because of these predatory loans. After approximately 8 years of paying XXXX a month, my balance is still at XXXX. I have paid for my education over the years and because of the predatory lending terms, I my debt has only grown. With this new Navient lawsuit I need to go on the record and state that just because I worked tirelessly to try and manage these loans the best I could, and did not default, does not make me any less of a victim. My life has been plagued with XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am unable to buy a home, I was unable to practice my craft out of school and instead had to take the highest paying job in order to pay these loans. It has wrecked my career, my mental health, my relationship with my family and my financial life. I am 100 % a victim and will not stand by and not be seen. I have records beyond records of faulty information. It's nearly impossible to track how my money was being applied to the loan. Please help or guide with any information. I am providing documents as well. This also is not my first time contacting the CFPB about this matter and I am fully prepared to escalate this fight if it does not end here. | ||||||
| 07/22/2017 | Yes |
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| I have a large sum consolidated student loan that I took out as a student of the XXXX XXXX XXXX XXXX and is serviced by Navient. I have paid this loan monthly and on time for almost ten years. I changed banks in XX/XX/XXXX and have been trying to update my autopay information with Navient, and they repeatedly deny my application for no apparent reason. My bank does not know why this is happening either and i do n't believe it is a problem on their end. Since i 'm not in autopay, Navient increased my interest rate and did not communicated this with me at all in the last few months - i had to keep looking at my online account info to find anything out. in addition to this, If i try to pay online through Navient monthly bill pay, they also refuse to accept my bank account information, so I have made payments through my bank 's bill payer option. The last time i did this - on XX/XX/XXXX - due to poor/unclear information on Navient 's website, I sent my payment to the wrong address! when i did n't see the balance go down on my Student Loan account, I called Navient and it took them a while to figure out that a different Navient division ( the XXXX XXXX XXXX ) had my money and were in the 30 day process of sending it back to me! this has become a fiasco that i can get no one to help me with on Navient 's end. the last time I spoke to them - on Wednesday, XX/XX/XXXX, they tried to get me to apply for a forbearance until I got my payment back from the Navient/XXXX XXXX XXXX so they could process my autopay application ( mind you, the 4th time I 've tried to process autopay through Navient ) I feel like what they are doing is trying to drive up my interest rate and charge me late fees in order to get more money out of me! I refused the forbearance ( i do n't want a forbearance! I am not having financial hardship! I JUST WANT TO PAY THE LOAN! ) and they again denied my autopay application, this time their reason was that i have an unpaid balance! I even made an additional payment to the correct address that i was given over the phone - and that is not showing up in my account balance either! It went out of my account with the name Navient listed as the payee, but it does not show up on Navient 's end. As a borrower with a previously PERFECT payment record, there is no reason that they should not be accepting my autopay application and retroactively adjusting my interest rate while also giving me excellent customer service! but all i am getting are daily calls call from an overseas call center, telling me that my account is past due! I wish i could change companies, but i feel trapped and preyed upon and totally helpless and at their mercy. I 'm not sure what to do next and i do n't know who to go to for help! I am going to have to spend another hour + on the phone with them, which is a waste of my time as a working mother. I 'm so angry it is hard for me to not shout when i call them. what do I do? | ||||||
| 04/13/2019 | Yes |
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| This is a follow-up to a complaint previously submitted to the CFPB. This complaint is being submitted simultaneously to the CFPB and to the XXXX XXXX XXXX via XXXX. Navient 's response to my complaint is misleading and ignores critical facts, as set forth below. I submitted to Navient the request to enroll my new bank account in AutoPay on XX/XX/XXXX ( See Ex. D, attached ), confirmed by Navients XX/XX/XXXX email to me. ( This email serves as confirmation of your request to enroll the loans below in Auto Pay. ) My old bank account had been enrolled continually in AutoPay for more than sixteen years up to that date. Navient had ample time between XX/XX/XXXX, when I submitted this information, and XX/XX/XXXX, to finalize [ ] the enrollment. Indeed, as Navients XXXX email to me shows, this was Navients expectation, since that email explicitly stated that the Estimated Start Date for the new AutoPay arrangement was XXXXthe same day as the next payment due date. I reasonably relied on the representations in Navients XXXX XXXX email, and expected that the AutoPay payment would be made from the new account on XX/XX/XXXX. Navient says that it was unable to extract my XXXX. XXXX, XXXX payment from my new bank, but gives no excuse why this was so, twenty days after Navient acknowledges I had furnished it with the information necessary for it take the payment. Any consequence of Navients unexcused delay in setting up AutoPaya delay Navient never bothered to report to memust fall upon Navient. Put another way, Navients statement that the account must be current is misleading. If the account was not current, it was because of Navients failure to timely set up AutoPay for the new bank when it had been given 20 days to do so. ( My mortgage servicer, to give one example, was able to activate my autopay capability with the same new bank within 24 hours of my request. ) At no time did Navient advise me that there was any difficulty in setting up the new AutoPay arrangements. Accordingly, the putative Administrative Forebearance was unlawfully imposed. I do not owe it, nor do I owe any expenses that flow from it. The arguments that Navient makes in its response about capitalizing interest, since they ignore Navients own responsibility for the delay in setting up AutoPay, are irrelevant. It also follows from these facts that my account was never past due, as Navient asserts. Even if these facts were not dispositive ( they are ), Navient also assured me through its customer service representative, on a recorded line, that my XX/XX/XXXX payment would constitute timely payment for XXXX, and that my monthly payment going forward would be readjusted to the proper {$230.00}. Navients failure to honor this commitment would, on its own, constitute an unlawful unfair, deceptive, or abusive act under Sections 1031 and 1036 of the Dodd-Frank Act. I invite Navient to review the recording, and the law. | ||||||
| 01/09/2018 | Yes |
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| Navient has been contact me stating that I am past due on payments. I have been enrolled in school for the last two years. In XXXX I spoke with a representative on the phone and they did a deferment, without paperwork. However, this past fall ( XXXX ) I started receiving phone calls and notifications that I was past due on payments. I called again and explained that I was still in school. They stated they looked through the " XXXX XXXX XXXX XXXX '' database but that my SSN must be wrong. I 've spoken to two different agents on the phone about this and to one via chat ( I have screen shots ). All have said there is an issue with my SSN. They seem to jump to this answer very quickly. I have reviewed my information with the school and my SSN is accurate. I contacted XXXX XXXX XXXX and confirmed that my school submitted their enrollment/attendance information on XX/XX/XXXX. I asked the first associate I spoke with last week where I needed to send my documents if I needed to have my credit report updated to reflect that I was in school and thus they could not make bad reports on my credit. The individual told me a XXXX XXXX to send it to. I asked what was the business name. They stated it was the Credit Bureau Association. I asked them to confirm this again, they did. I XXXX the XXXX XXXX and find this : Navient XXXX. XXXX XXXX. XXXX, PA XXXX. No indication if that is their credit reporting offices or not. I reached out to an enrollment advisor at my school and obtained documentation that I had been enrolled for the past two years. I got onto Navient and tried to upload it, but there was a file size limit. I used their chat option to get in contact with an associate. There was an immense amount of difficulty for the associate to " receive '' my documents via e-mail and only after I stated that I would be happy to wait that they offer to e-mail me directly so I can respond with the documents. I sent it and offered to wait again. I notified the associate that I had cc 'd myself and my father on the e-mail and they came through almost immediately, but that I would be happy to wait as long as necessary. I also asked if I would be receiving a copy of the transcript of our conversation ( a standard for most businesses ) and they stated that they would be unable to do that. I notified them that I took several screen shots so that I can reference it later if need be fore e-mail information, etc. Suddenly, the associate received my e-mail with the documents. They said that it would be " processed '' and that I should receive an update within a week. They did not confirm if the information that I sent was adequate, who I would be hearing from, a number for me to call to follow up. I have screen shots of the conversation outlining the immense obstinance there was in assisting me with my concern. This is not the first time that the communication practices with Navient have been far from transparent. | ||||||
| 03/18/2016 | Yes |
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| I have had a student loan with XXXX XXXX now Navient since XXXX. I have always done my best to make sure to pay my student loans. I 've never been the type to purposely not pay them like a lot of people do. Even with their unreasonable payment plans simply because I know it can destroy my credit. After being on the phone this morning for a total of 75 minutes and spoke with 7 different people. There was no resolution and I was hung up because they refused to transfer me to speak with a manager. I called in XXXX XXXX to have my loan reduced as it was about to increase to an amount that I could not afford. At the time I was also in the middle of trying to purchase a home since I was staying with my parents for 6 months in Pennsylvania commuting back and forth to NY. As the rents in XXXX are similar to mortgage payments, it was time to own vs rent. I was told today by a supervisor named XXXX at Navient that because I decided to take on the purchase of my home, that I am able to pay my obligation to Navient. After several minutes of going back and forth with her ; which I do not appreciate a customer service rep dictating my financial needs and obligations. I was simply calling because the monthly payment plan they put me on is not working with my finances. It is extremely counterproductive how we as students who want to pursue a better education to have better lives have to be held like prisoners because we have decided to be better than the status quo and make the sacrifice to purchase a home. To then to be told and penalized by XXXX XXXX because we have moved forward in life. I truly have not had such a problem with XXXX XXXX up until today. I have asked to make split payments throughout the month to make it easier on myself to meet the monthly payment of {$280.00}, I was told this was not possible and could only be done through direct withdrawal from my bank account. I was told that they could not lower my monthly payment any lower than what it was, they were not willing to work with me to find any other alternative solutions stating that was the ONLY solution they had for me. I 've been paying them religiously for years. I am not trying to be unreasonable and not pay ; on the contrary I am trying to find a middle ground that can make all of us happy. I pay, they get paid. I was rudely transferred to whom I thought was a manager and was told was another supervisor who said to think of him as second in command. I find this very insulting and a complete waste of my time after being on the phone with them for 74 minutes. While I know my story is not as horrific as a lot of other stories out there with people who have dealt with XXXX XXXX ; it 's extremely frustrating to me how they are not willing to work with anyone and hold everyone hostage by their terms. I would like a reasonable payment so that I can continue to pay my obligation to them and they can continue receiving their payment. | ||||||
| 10/27/2023 | Yes |
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| I am following up on an issue with Navient, a student loan provider. I was working on my Ph.D. and a student in school. Navient kept sending me your letters, and bills and they were calling me that I had to pay them back from XXXX. My university confirmed I was in school and working on my Ph.D. Navient kept billing me. The vice president of my university and I called Navient and it was cleared up. It took many months and over XXXX hours of discussion between Navient and XXXX XXXX to finally get Navient 's misinformation finally got it settled. An issue with Navient came up again in XX/XX/XXXX. I began getting calls from Navient that student loan payments were due. I was still attending my graduate program. I understand that post-graduation, graduates have a six-month grace period. This would be estimated from XX/XX/XXXX at which time I was scheduled to complete my program and graduate. I communicated this information to Navient representatives, which was ignored. Navient representatives continued to call and bill me demanding pay even though I was in school and later within the grace period. I contacted my lawyer and despite many communications and documents showing their error with the repayment period, Navient continued to send me emails and bills of past due payments. They also reported them to credit bureaus the mis information. The bills show overdue payments even though I am in the grace period. I have consolidated all my student loans however Navient refuses to correct the credit bureau reporting errors. My credit report is significant for XXXX, which I qualify as a state service employee. I am requesting to remove the late payment reports from Navient as soon as possible to ensure my credit is restored so it does not affect future XXXX or other credit concerns. Kindly confirm this will be corrected at your earliest convenience. I am attaching previous documents demonstrating the reporting error to my credit report. On a related note, Navient sent a letter with a return address stating the " Department of Education. '' The letter stated I could not consolidate my loan because I had a past due payments balance with Navient. I learned that the letter was not from the Department of Education it was from XXXX which is Navient 's affiliate. This is clearly fraudulent misinformation and their unwillingness to correct their errors, is a serious concern. I went back to my employer to let them know and they told me to file a report with the CFPB. I filed a complaint to get my loans consolidated and report Navient 's bad-faith communication/ practice. I'm concerned as they may be reporting overdue payments to the credit bureaus which is untrue. They are stating I owe {$840.00} and other fees that are past due but am still in the grace period. I hope to clear this misinformation that is affecting my credit from the misreporting by Navient 's reports removed from my credit reports. | ||||||
| 05/19/2016 | Yes |
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| On XXXX XXXX I called Navient to get my XXXX XXXX payment drafted out of my account on XXXX XXXX because that is when I got paid. On XXXX XXXX they tried to draft my account and left me with a {$32.00} Non-sufficient Funds fee. I called them and let them know what happen and one of the reps name XXXX said that she can either refund the money or skip XX/XX/XXXX 's payment. I chose to skip XX/XX/XXXX 's payment. So, on XXXX XXXX {$50.00} came out for the XXXX XXXX payment which was fine. So, on XXXX XXXX I received a letter from Navient stating that a payment for the {$50.00} would come out XXXX XXXX. I called Navient again and explained to them that I am now receiving a letter stating that in XX/XX/XXXX a payment would be coming out XXXX XXXX instead of XXXX XXXX. They said everything is OK on their end, and that my payments will come out on XXXX XXXX. All of a sudden Sunday Morning XXXX XXXX I look into my account and see that my account was overdrawn the {$32.00} Non-sufficient Funds fee again. They tried to take another {$50.00} dollars out on XXXX XXXX. So, I called and Spoke with a representative by the mane of XXXX XXXX, I explained to him what happen and he told me that he does not see where a payment came back to them, I told him I would email you proof that Navient drafted my account for XXXX 's Payment after I was told by XXXX that they were skipping XX/XX/XXXX payment. I email him the same day : XXXXXXXXXXXX and gave him my bank statement showing proof what I Navient did. And also, when I was explaining to them what happened from the beginning, XXXX act like there was nothing in the notes from when I spoke with XXXX from the beginning. No one looked at the notes to see what was going on. He just went back in forth with me about what he did not see. So, I emailed him Monday and called him back Monday to see if he received my email. I was told by a rep that he would call me back with in an hour on Monday, XXXX the XXXX. XXXX never returned my email or call. It is now Thursday and XXXX has not interacted with via email or phone. THE ATTACHMENTS THAT YOU SEE ON PRODUCT INFORMATION ARE SHOWING WHEN THE TOOK ON THE XXXX XXXX PAYMENT XXXX XXXX AND THEN THEY TURNED BACK AROUND AND TRIED TO TAKE OUT ANOTHER PAYMENT ON XX/XX/XXXX-THE ( XXXX CHECK ) SHOWS THAT NAVIENT TAKES THE {$50.00} OUT EACH MONTH. THE WEIRD PART ABOUT IT THAT IF YOU LOOK AT MY NAVIENT ACCOUNT IT SHOWS THAT THEY TOOK OUT A PAYMENT ON XXXX XXXX BUT I DID'NT PAY ANYTHING XXXX XXXX, WHEN THEY TOOK A PAYMENT OUT XXXX XXXX THAT PAID XXXX XXXX. THEY BILLING SYSTEM IS FISHY TO ME, AND SOMEONE NEEDS TO DO AN INVESTIGATION NAVIENT. THEY ARE BEING SUED OR HAVE BEEN SUED AND HAVE MULTIPLE COMPLAINTS FROM THESE PEOPLE. I HAVE ATTACHED THE COMPLAINTS FROM OTHER CONSUMERS AND A SNAP SHOT OF WHEN I PAID THEM AND HOW IT SHOWS THAT I PAID THE XXXX XXXX. I PAID THEM XXXX XXXX FOR XXXX XXXX, BUT NO PAYMENT CAME OUT FOR XXXX XXXX. | ||||||
| 08/23/2018 | Yes |
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| I have received a notice from Sallie Mae to call them about a loan. I called Sally May and XX/XX/2017 the representative I talked with had told me that we could pay a one lump sum of {$6700.00} to pay the loan off and we would be saving money on the interest. I had asked the representative if it was OK if I got back in touch with her to talk with my husband to see if we could get a loan to pay this amount and save a little money on the interest she said that was fine. I then called back on XX/XX/2017 and talked with the representative to see if we were still eligible to pay the lump sum of {$6700.00} to the Department of Education and save on interest. The representative told me that was fine she had to go over other details if we want to do payments like XXXX dollars a month I told her no we would do the lump sum payment of {$6700.00} she said that was fine so we made the payment department of education student loan deposited it. I was told that the loan is paid off and we save some money on interest. Never heard any more correspondence to this. Until my husband received a credit report and this was on there {$780.00} interest not paid regarding this loan that we did pay off. So now my husbands credit is bad. I had called to find out what was going on and they sent it to the XXXX for collections which was very unfair on the dates I spoke of XX/XX/2017 and XX/XX/2017 these messages were recorded by this organization federal loans they could go and listen to the recording. I was told by XXXX that the representative never signed off on it and now I am up to almost {$900.00} in interest if I didnt do the one lump sum and just pay the XXXX Id be paying less now theyre getting more money out of me which is not my fault or my husbands fault I sent to other children to college never had a problem theyre almost done or they are done with their bills are ready and now I am having problems with my last son this is not fair we got a loan out for the amount of {$6700.00} I have the check that the Department of Education deposited we were Told that the loan was paid in full we owe nothing now after so many months I am sent to collections agency for something that is of not my doing. I need someone to please help me with this situation Ive had hardship financial problems and I just cant afford to give money when I did nothing wrong I paid the debt and now they are trying to tell me I have to pay them more. I was told by Department of Education and by XXXX that the representative that took the payment never signed off so thats why it went into collections for the interest how is this my fault it is all on recording I paid in full if you listen to the recording you will hear that we paid for it all and fall could somebody please help me with this situation. Sincerely XXXX XXXX my email is XXXX my phone number is XXXX I would appreciate if somebody could help me with this situation thank you so much. | ||||||
| 10/02/2017 | Yes |
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| I am very frustrated with Navient. I have called them many times about the issues represented and each one continues to impact me in a confusing and negative way. I feel that they have wronged me in their communication and management of these issues. I was placed in deferment without consultation, both in XXXX of this year and in XXXX of this year. I called both times to cancel the deferment. During the XXXX deferment call to Navient the customer representative told me it would be wiser if I stayed in deferment because interest would not be collected on one of my loans. So I choose to stay in deferment. I received 2 emails on XXXX XXXX saying my deferment was approved due to being in-school. I felt this was correct as I had spent a lot of time on the phone with a representative ensuring that I stayed in deferment. THIS IS THE IMPORTANT PART. During the XXXX log-in to navient.com I also realized something weird was happening with loan number 1. You see, I had paid it off in XXXX, on either the XXXX or the XXXX. Navient.com fails to show where the payments were allocated, only that the payment occurred, so I can not track which payment went where. I was alarmed to see that during XXXX, loan number 1 was owed XXXX XXXX How can a payment be negative I wondered? I called Navient again. I was told that a loan being paid in full took weeks to process, and in that time the XXXX $ would be re-allocated to another loan. There is no evidence that this ever occurred. I never received an email or payment to my bank account. Fast forward to today. There is no evidence that this re-allocation occurred. Though I received an email XXXX XXXX that loan number one was paid in full, today, XXXX XXXX, it is listed as under auto-pay. I received an email on the XXXX of XXXX saying thanks for the payment of {$250.00}, which apparently was taken out of my accounts without my permission as I have been in deferment for over 2 weeks, and which was apparently taken out for a loan that I 'd already received an email confirmation had been paid in full. Today, XXXX XXXX, loan number 1 is listed as XXXX XXXX I called today to inquire into this matter and was simply told, it takes 2-3 weeks to process everything and I would receive a message when that XXXX $ was re-allocated. I ca n't trust this as I never received notification that the original XXXX $ in XXXX was re-allocated or returned to my bank account. I can not trust this because although I paid off that loan more than 1 month ago it is still showing up in the unpaid area of my loan page. I can not trust this because although I 've been in deferment for more than XXXX weeks loan number 1 is still listed as being in Auto Pay. Please help me. I believe Navient is treating me in an unfair and unjust way, and that they are no longer behaving as if they are accountable for the money I am sending them. This is causing me a lot of stress. Thank you for your time. | ||||||
| 09/10/2015 | Yes |
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| i am a new widow and nearly XXXX before my husband died he instructed me to cosign on my nieces student loan which evidently is a private loan. she got into financial trouble and began to be late or did not pay at all. i finally told her since i was cosigned that i needed to protect myself and so she needed to give me the payment and then i would make the real payment to insure it got in on time. at that time the agreed note between her and teh company was XXXX per month. i was making these payments each month but then began t worry about possibly forgetting myself so XXXX months ago i called the company and told them to automatically charge my credit card each month for the XXXX the agent made me listen that recording that stipulated i understood the XXXX would be charged each mnth..i said yes. on XXXX XXXX i got a call telling me the note was going up because i had a better credit rating and money in the bank ... the new agent said XXXX or i woiuld be reported to the credit bureau. i tried to explain the money in my account was funds from my husbands life insurance policy and that i needed it to live on for the rest of my life and support our XXXX XXXX son and the other account was a trust fund for when i died to make sure my son would make it..my only income is XXXX in social security ... but he would not consider this and did not note it. today i tried again. and the lady again said you have money you pay..i tried to help her understand i was not assuming the loan that i was just charging on my card what my niece gave me so whatever arrangement they had should still be in affect ... then she said i was supposed to have been paying the XXXX for the last four months but i had no idea as the last i heard was the taped statement agreeing to the XXXX on my credit card automatically. then they wanted XXXX more dollars to pay the late charge for something i knew nothing about and they had not told me. she told me pay it and they might reconsider lowering the note back to the XXXX next month. they refuse to do anything in writing saying they no longer do that. i was dumbfounded that XXXX years ago this was a XXXX loan and now after XXXX years is a XXXX loan. with interest daily and is variable interest. i tried to explain i as the cosigner was not assuming the note ... just making sure nothing hurt my credit rating. i was also told that if the note was paid on time for a year i could be taken off as the cosigner..now they say it has to be a year but paid only by the primary. i just want the note to reflect the prior agreement they had with my niece and i want the lender to honor the on time payment and eventually at the end of a year release me as the cosigner. i want the lender to not play both sides of the field by using my life insurance procedes and trust fund monies as the basis to raise a note but refuse to lower the interest ... ... ..they are preying on a widow and senior citizen | ||||||
| 02/25/2018 | Yes |
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| During the years XX/XX/XXXX-XXXX I applied for and received student loans served by XXXX XXXX and later turned over to XXXX and still later to Navient in the amount of {$5700.00} ( total ) in order to take classes at our local XXXX college while navigating single motherhood and working part-time. I made regular, scheduled payments on these loans as required until XX/XX/XXXX. In XX/XX/XXXX I registered for XXXX XXXX XXXX based on their advertised program accreditation and their claims to a high percentage of graduates placed in well-paying jobs. I took a student loan in XX/XX/XXXX for {$10000.00} for tuition at XXXX XXXX XXXX The loans were processed with a series of payments and adjustments which were confusing and impenetrable. On XX/XX/XXXX there was a disbursement of {$10000.00}, followed 8 days later by a payment of {$4500.00} ; on the same day there was a disbursement of {$13000.00}, and an adjustment of {$7800.00}. As of XX/XX/XXXX the total amount with interest that I owe is {$24000.00}. I continued to work toward a degree through the XXXX XXXX XXXX, make loan payments, work full-time, and raise a child on my own until XX/XX/XXXX XX/XX/XXXX when I lost my job as the XXXX XXXX XXXXXXXX at a local non-profit. During this time Navient took over the processing of my loan, and I began to receive threatening documents from Navient saying they would garnish my wages and seize my bank account, but that I could easily cancel these draconian actions by deferring payments. Over the course of the next few years, whenever the deferment period was ending, I would receive emails from Navient stating that to continue to defer the loan, I could just click reply and type the work YES. There were never any suggestions of loan modifications or alternate ways to pay down/off my loan. During the recession that followed, I continued to struggle for employment and under the debt load which had fallen on me during this time, so I continued to accept the periodic easy deferments offered by Navient. I was forced to declare bankruptcy in early XX/XX/XXXX. I originally sought to declare bankruptcy in XX/XX/XXXX, but it took me many years to save enough money to cover the lawyer and filing fees. Almost fifteen years on, I have no degree from the fraudulent XXXX XXXX XXXX and a student loan load of some {$25000.00} - despite years of payments - weighted with the accumulated capitalized interest of a decade of deferment. Navient clearly failed to inform me of all of the options at my disposal to discharge my debt. Without a XXXX degree, it has become almost impossible to finding meaningful work that pays well enough to live on, especially as single parent. The sneaky and deceitful tacits employed by Navient to line their pockets by strong-arming me into multiple deferments without all the fact has essentially financially hobbled me and my family. I respectfully request that this loan be forgiven. | ||||||
| 01/24/2017 | Yes |
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| I had a total of XXXX loans ( approximately XXXX left to pay on ) through Navient that are all separated but under the same account. From the start I have signed up for automatic debit to receive the discount interest rate that they provide when doing so. To pay off my loans faster I typically make a large payment on the loan with the highest interest rate the week after the auto debit. When doing so, it prompts me with a question of " do you want to advance your payoff date '' or " would you like to make your next scheduled payment ''. I always select to make my next scheduled payment so I can pay it off as soon as possible. However, when my next auto debit comes out they the payment for the loan may be {$20.00} or {$140.00} but they will only put a few cents to a couple dollars towards it instead of putting the original payment towards it like i selected. The remaining amount is split between the rest of my loans ( got ta remember, I 'm paying the highest interest rate loans so they are putting my payment towards lower interest rate loans ). When I questioned them regarding this, they stated that my loans are in a group and the only way to fix it would be for me to cancel my auto debit. Now how does that make sense? Remove my auto debit so that they can continue my normal payment that I stated clearly that I would like to continue. Why ask me if they are n't going to continue my normal payment anyways? This happens every month since the inception. Cancelling my auto debit would increase my interest rate for all of my loans by a .5 %. That 's the dumbest thing I 've ever heard. I 'll take the hit of misallocating instead of a hike in my interest rate for {$30000.00} in loans. Get real Navient. I also had issues with their old site where they did n't have the functionality to select a specific loan to pay extra on. I could only make an extra payment and request that it go to a specific loan. Then I would hope that they would see the request and allocate it properly. It was n't until a few months into making these payments that I realized they were n't doing it. I would have to call and explain to the representative what happened and request that they fix it. They told me the only way I could do this is by calling in. So I started calling in my extra payment every month and requesting it go towards the highest interest rate loan. Some of the people would understand while others would simply spread the payment across the board. Countless calls and sometimes they would fix it and others they would n't be able to. The new website rolls out and I think finally they can stop messing up and I do n't have to call in anymore. Yet they simply find another way to have a quirk to XXXX the allocation process. Get your stuff together Navient. Ca n't wait to get rid of you. Hopefully I 'll have my {$65000.00} paid off this year and I hope they have enjoyed being a thorn in my side and wallet. | ||||||
| 12/21/2016 | Yes |
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| I was on a repayment plan for a year making payments of {$280.00}, I called XX/XX/XXXX and they said i did not have to make a payment until XX/XX/XXXX, witch I did ; however, i ask if could do another repayment plan and they said yes, when I called today XX/XX/2016 an spoke with the XXXX representative ( they kept on transferring the call ) she stated i have to have my mom call back and also do I financial statement I asked why because i never had to do that and she said that now they do, my mom only speaks Spanish and even though they do have XXXX speakers ; however, i explained to her that it was already enough of an inconvenience with all this crazy payments that i ca n't afford i told them i am a XXXX mom and also have federal payments and they did n't even acknowledge my situation I ask to speak with a supervisor because i did n't like how she was talking to me, the Supervisor XXXX ID # XXXX phone # XXXX also did n't acknowledge ( horrible, insensible customer service ) and told me that now we have to do the financial statement for the cosigner, once again i told her that i am willing to paid but i do n't want my mother to go through this hassle she is old, have XXXX, and i ask to please send me their legal information stating what their new rules are for repayments and she refused. XXXX told me that they do n't have to give me any payment plan basically if they do n't want to they do n't have to and that they are just willing to do a 2nd one ( when in fact i have had always payment plans ) because they are a private company, she also told me that was the only payment plan available for me and no way to go around it, she also said that she could NOT send me their legal rules an regulations because they are a private lending, again i told XXXX that i know they can because that 's a right i have to know what are their guidelines for payments. She said she was going to send me the promissory note ( the only document she could send me ) by mail as soon as i mentioned cfpb. I just ca n't believed that they do n't have any options to work with us that are struggling with this payment she acted like she did n't care at all and in fact she did. When they took the verbal confirmation from my mom by me translating to her so she could be a co-signer and now they are telling me she has to call and do this?? Once again i am willing to make the payments and even the financial statement with my mom, i just think that this is not right whatsoever and they should have more payment options available, how can that be possible? that 's the only one, please help me i am desperate I do n't know what to do anymore with all this payments I need a solution because the only reason i am doing this is so my mom credit score do n't get damaged thats all she a decent credit, because these students loans are taking half of my paycheck a month. Thank you for any assistance and any help I can get in advance. | ||||||
| 07/22/2015 | Yes |
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| I requested a co-signer release from Navient on a XXXX year old student loan and they claim I still do n't qualify. My cosigner is in poor health and needs to be released. If you look at their pre-qualifying requirements. I XXXX have had a stable job making over {$90000.00}, I have XXXX completed all of my programs. I am not in default, I am not a payment plan with them, more than half of my credit cards had XXXX balances at the time they pull my report and my federal loan are in the process of being consolidating which do not impact this loan in anyway. I have not missed any payments of this loan either.I meet all of the qualifications. They claim that after XXXX years and paying the loan for the last XXXX on time that I do not qualify. They first stated in a letter I received in XX/XX/XXXX that my income was insufficient,. I told to submit more documentation regarding my income and when I did that they came up within even excuses. They claimed to have a dispute committee but it never made it to this supposed committee which does not exist. hen after I demonstrated that the my income XXXX {$100000.00} year annually XXXX was more than sufficient then they stated XXXX other things in my credit report that were not accurately. I called to speak to a representative who was not polite and who claimed my large federal loan which has nothing to do with this loan was too big and I needed to pay that one down significantly first before they would consider releasing my cosigner. They continue to make it every excuse to keep my cosigner tied to this loan. They have now issued a letter detailing what they claim was in my credit report to my cosigner with out my permission and violated my rights and confidentiality as again they are trying to make the case that I do n't qualify even though they state that credit is not entirely of their decision and again I meet all of their other criteria. Some of their reps have any made statements that they would go after my co-signer 's estate. The claim about going after her estate was made in a phone in XX/XX/XXXX and was stated in several calls over the last 2 years while getting trying to get her released. They even claim in a letter that I did not make XXXX consecutive payments and have made the payments. They refused to take me out of their deferment when I asked them not to defer my account and refused to give me a regular payment amount. They kept making the claim that my account was paid up. Their practices are illegal and unethical and they need to release my XXXX year old cosigner from this debt that she will never have the ability to pay. They violated confidentiality as they had no right to disclose to my cosigner anything that the claim was in my credit report as I requested the co-signer release and I filed the better business report. This continues to mislead the cosigner, her family and creates more conflict on trying to get her released. | ||||||
| 05/24/2022 | Yes |
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| I was able to get my student loans discharged because of XXXX XXXX XXXX XXXX According to Navient my daughter, XXXX XXXX, ( the co-signer ) was not told of what she or the borrower ( XXXX XXXX XXXX ) could/should do to have the co-signer be released after the loan was discharged/or dismissed. The information was looked up on the web. 1. I was given a XXXX XXXX XXXX XXXX status. ( XXXX ) 2. The loan was discharged due to a XXXX XXXX XXXX XXXX status. 3. Navient told me over the phone that they could not talk to me about getting the co-signer released because the person who signed must call them and I found out they were lying because the borrower is the only one who can apply to get the co-signer released, this was stated on Navient 's website. 4. I called Navient and was told the co-signer had to call them and that I had no obligation to the loan anymore and they could only talk to the co-signer. 5. This was a loan that should have been discharged with the original discharge when I received the XXXX XXXX XXXX XXXX status. The loan was from XXXX. 6. I was notified by the IRS that I owed taxes on this loan {$4400.00} and, that is how I found out about it. 7. This loan should have been placed with all the other loans that had been discharged but I did not know until the IRS wrote me about the taxes due. 8 The IRS was paid the taxes in XXXX. 9 The co-signer is being held responsible because I did not and she did not know about applying for the co-signer to be released. 10. I was not making any payments on the loan that Navient is making her responsible for and the forms to apply do not address the co-signer release for a borrower 's loans that got discharged through a XXXX XXXX XXXX XXXX status. I, the borrower could not apply to have the co-signer released after the debt was discharged. The borrower and co-signer were never notified or told this information. Due to the debt being discharged for me, the borrower, Navient stated that I could not discuss the matter with them of getting the co-signer released because neither the borrower or co-signer knew anything about this debt until the IRS came into the picture. I could have helped the borrower by making some kind of payment over a certain amount of time. The co-signer has quite a bit of debt ( XXXX dollars ) of their own that they are trying to payoff. I am writing CFPB because if my debt was discharged, the money is no longer owed and I could have done something to try to help the co-signer get released. I was not able to obtain any original documentation from Navient about the loan, the amount of the loan or even who the original loan came from. I believe based on this information the co-signer needs to be released because neither the borrower or co-signer were informed that application could be made to have the co-signer released from the borrower 's loan. Can someone help with this issue? Please advise. | ||||||
| 03/16/2017 | Yes |
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| Hello! Thank you in advance for dedicating your time to helping those being wronged by what seem to be impossible odds. This complaint is to be filed against Navient, formerly known as XXXX. A summary of my experience for your review follows : I graduated the University XXXX in XXXX with a XXXX, focus in XXXXSix months post-graduation ( the grace period ), I began paying off student loans. My loan balance is the same then as it is now, seven years later. In XXXX, the economy was in a horrid state, so consequently my dreams of a high-paying entry level position were met with the reality of a part-time XXXX position that barely made {$250.00} a week. Resumes sent out everywhere, joined a temp agency, no bites due to " lack of experience ''. It 's been seven years since graduation and my monthly student loan bill was and still is the highest bill I have to date, and it goes up each year without fail. Regardless of my financial status, employment of lack thereof, Navient/XXXX failed to provide me with options that were parallel to my financial status. When I was unemployed : They would ask what my monthly expenses were which would always be, obviously, more than {$0.00} with rent, utilities, food, transport I still had to pay hundreds of dollars despite the fact that I was not earning income When I was employed : It did not matter how much I was making, I would have to pay the full normal rate, whatever it would be at that time I can not get my cosigners off of my private student loans because, according to Navient : if you are on a repayment program, you do n't qualify for your cosigner to be removed if you are n't, you have to pay the normal ( outrageously high ) rate for a full year for them to be removed Unfortunately, it has been impossible for me to find employment that pays enough for me to live ( shelter, food, transport ) and pay these loans. If it were n't for my family, mainly my siblings who are in a similar circumstance, I would have been homeless at least 20 times by now. In XXXX, the hurdle I am facing with Navient, and the main reason I am writing this complaint is my Federal Loans have been disbursed, and they are also serviced by Navient. I definitely can not and will not pay this loan when I know that the terms of all of these loans can be extended and interest rates dropped so borrowers can afford to make payments that meet what they earn. There is no logical explanation as to why Navient sets its payment plans at unnegotiable high rates that they know their borrowers can not afford. Since it defies logic, you can only conclude it 's a profit game. It would be great to be able to work with a lender that was fair and interested in borrowers being able to participate in the world instead of ensuring they struggle in it. I 'm sure we would not mind paying for that. Thank you for your time. Please let me know what I can do to move this process forward. | ||||||
| 01/18/2017 | Yes |
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| I attended the XXXX College of XXXX ( part of XXXX XXXX University now ). Then XXXX, now Navient, refused to release my cosigner due to a " failure '' to make " 24 consecutive principal and interest payments, in the first 24 months '' when I have proof of more than 24 on time payments in that timeframe, with the only issue being that every XXXX payment, after beginning repayment, was only applied to principal by XXXX XXXX, thus disqualifying me from ever being able to release my cosigner. This eschews the fact that also, because they had misinformed me, I was paying DOUBLE what I was required to. This was fortunate in the aspect that it got me roughly a year ahead of repayment schedule, and was a boon when my car broke down, giving me some breathing room, but it still did not favor me when trying to release my cosigner. Later, after my loans were handed over to Navient for servicing, they changed the qualification of my " cosigner '' to a " co-borrower '' without any sort of paperwork etc. needing a signature. Now, because of this, my student loan debt is being assessed as debt to my cosigner, and preventing them from financial pursuits such as mortgage refinancing etc. because they now appear to have significantly more debt than they so. Lastly, a word of caution, when I consolidated my XXXX XXXX XXXX loans into XXXX consolidation loan for easier repayment, they converted the loans from Federal loans to Private loans, thus removing my ability to act upon special federal provisions and laws that would help me. I do not recall and explanation of this change occurring, nor did myself or cosigner receive any paperwork alerting us to this VERY significant change. It was years before I saw the change reflected on the Sallie mae servicing site, and not with them being sent to Navient for servicing, I fear there are simply too many levels of convolution ( not to mention corruption ) to adequately deal with any of these issues. In general, my payments have always been on-time, with the only significant lapses being the end of 2015, when I eventually defaulted in XXXX. I was out of work, not even able to pick-up odd jobs, was struggling to find a job which was going to cost me more in childcare than I was going to be paid, I had already a year or so prior, cashed in any retirement funds I had, and while my wife is paid a decent wage, it was n't ( and still is n't ) sufficient for our household of XXXX to survive on. But that default lead to a year in Navient 's rate reduction program, which coupled with me finding gainful employment, has allowed me to actually afford their payments, but beginning again in XXXX, I return to the XXXX higher interest rate and a {$100.00} increase in payment. I will thus be breaking even at best each month, so no savings or hope for travel, extra retirement, new cars, new house, or really any other expense aside form the bare necessities of modern life. | ||||||
| 01/31/2021 | Yes |
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| I filed a complaint with the XXXX XXXX XXXX ( Complaint # XXXX XXXX in XX/XX/2020 and it is still not resolved - Navient continues to commit unfair lending and repayment practices. I have had nothing but a run-around from Navient. And now they are ruining my credit score. They were not sending timely monthly statements for me to pay on my student loan. Apparently, they assume that all people have computers and pay their bill online. My computer crashed and I was not able to purchase a new one, and requested that a paper bill be sent to me prior to the due date so I could pay it. That never happened and still hasn't. Instead of Navient sending a timely monthly statement, I would receive a past due statement every 2-3 months, which would include late fees assessed. Therefore, I filed the above complaint. How can I pay timely when I don't receive a timely statement? And especially when I specifically requested those timely statements to pay by? On XX/XX/2020, in response to my complaint, I received a letter from XXXX XXXX, Office of the Customer Advocate. She stated " your account has been set to receive correspondence via postal mail since XX/XX/2020. You may call me directly at XXXX XXXX with any questions you may have ''. She was incorrect in saying that because I was NOT receiving timely monthly statements to pay by. Therefore, I phoned her back at the phone # she provided 6 times, and left a voice mail for her to return my call each time. Nobody ever returned my call. On XXXX, I received another letter from XXXX XXXX, Office of the Consumer Advocate. She admitted that the previous information I received in writing from XXXX XXXX, Office of the Customer Advocate, was false by stating " I would like to provide an additional explanation ... we found that you were still enrolled in electronic billing and we confirmed you were not on coupon books. We have now updated your billing method to be sent as monthly statements via postal mail. '' ( I have copies of all of these correspondences and past due statements with late fees which I will submit at a later date ). However, even though Navient stated that, it is STILL not taking place. I am still receiving sporadic statements past the due date with late fees assessed. This practice must be unlawful ; it is certainly unfair. Currently, Navient is reporting to the Credit Bureaus that I am not paying my loan, even though they are not complying with our agreement, and what they promised to do. How can I pay them timely if they are not sending me timely statements? I can not. They have a scam going which ruins credit scores, and makes them extra money by assessment of late fees. In addition, before allowing me to go into forebearance / IDR agreement the last time I needed to, they forced me to agree to waive my Student Loan Forgiveness rights. They recorded this conversation. This does not seem to be a legal practice either. | ||||||
| 11/17/2023 | Yes |
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| I am asking for help. I took out Federal loans back in the XXXX 's so I could go to college. I had to given my Dad at the time was in a XXXX Home because of XXXX XXXX. Fast forward, in those days, I took out the XXXX that I could in student loans to get through 4 years of college. I regret that now. Fast forward again, once I got out of school all I could get for work was a basic customer service job with a bank. The monthly student loan payments around that time in the late XXXX 's were too much for me so I called XXXX ( servicer at that time ) for help. They offered the forbearance program which was so easy to enter into. There lies the problem. A basic customer service representative at that time who knew nothing about finances and explained nothing about repercussions for continuous forebearance over a number of years, with a simple click of a button, changed my financial situation forever. Fast forward again, as a young adult out of college I continued to barely make ends meat as a customer service rep. Over the course of 6 years as a basic customer service rep., not knowing the true long term consequences of a long term forebearance plan, my principal student loan balance blew up from $ XXXX to over $ XXXX. That was back in XXXX or XXXX. Ever since, I've been trying to keep up with the payments but for many many years all my monthly payments have done is pay off the accrued interest each month. My loans were moved over to Navient back in XXXX and they operate the same as XXXX. There is little or no understanding of my situation by them. All they offer are income based repayment plans at this point and that offers very little relief because all my monthly payment is doing is paying the accured interest each month. My monthly minimum payment based upon my income the last 2 years or so has been around {$450.00} and again all that payment is does is pretty much pay the loan accrued interest each month. I am crying out for help! I have paid XXXX and Navient thousands and thousands of dollars over the years in trying to keep up with student loan payments and it seems that all Navient wants to do is bury me financially. I still can't believe that it's been almost 25 years since I graduated college and my student balance is pretty close to the student balance I had back in XXXX after my forebearance period ended! How these student loan service providers aren't legally required to cap accrued interest on student loans at some point is absolutely mind boggling! I am now XXXX XXXX XXXX with a XXXX XXXX XXXX son and still making student loan payments that just cover my monthly accrued interest. I don't want to be a grandfather still making student loan payments in my XXXX 's or XXXX 's. Again, I have paid back thousands and thousands of dollars over the last 25 years. Navient will not listen and I am putting in a formal complaint that their business practices are corrupt.Please help! | ||||||
| 11/02/2019 | Yes |
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| 1. I called several times over more than 6 months regarding the same problem. Each time, a ticket is submitted, but the issue is never addressed and the case closed. The problem : my interest rate reduction was removed. The last time I called ( prior to today ) was XX/XX/XXXX. I had been calling for months prior to this and only during the XX/XX/XXXX phone call was I told that the reason the interest rate reduction was removed was because on XX/XX/XXXX a disaster forbearance was applied to my account. I informed them that I never applied for this. They then told me that I automatically qualified and that they were federally mandated to apply this forbearance to my account without my request or approval. I then told them to provide proof of this, which they could not, so the agent submitted an internal ticket to correct my account on XX/XX/XXXX. On XX/XX/XXXX, the case was closed without any action. They said I would get a letter in the mail regarding the response. I never received a letter. I called today and explained the situation once again. The agent again tried to do what they have been doing, which is to submit an internal ticket and tell me I would get a letter in the mail after the ticket was processed next week. I told them that this was not acceptable. I asked them if a letter had been sent out from the XX/XX/XXXX request. They confirmed a letter had not gone out. I asked why a letter had not been sent and he replied that I had to request it. I asked him if the letter I was supposed to receive for his ticket today would be sent, since that is what he had just told me but I did not ask for the letter because I assumed it was implicit in the statement " you will get a letter in the mail. '' He had not response. So I requested that all letters be sent, the one from the XX/XX/XXXX request and today 's XX/XX/XXXX request. I also explained in detail what I needed in the internal ticket request and had him confirm by telling back to me what I told him, which was the following : ( 1 ) proof of what entity initiated placement of disaster forbearance for which I did not qualify, did not request, did not approve, and was not informed of, ( 2 ) removal of the forbearance, ( 3 ) reinstatement of the 1 % interest rate reduction, ( 4 ) retroactive adjustment of interest/late fees/principal on my account. He confirmed that a letter of this request and its response would be sent to me by mail. I also requested on XX/XX/XXXX a ledger of each loan detailing all charges from origination. I let them know that the loans were originally from XXXX prior to being sold to Sallie Mae ie Navient. I informed the supervisor who I had spoken with that day that this information is neither available on my account online nor obtainable through XXXX as their student loan services have been dissolved. I received in the mail only a copy of my loan ledgers that I can pull up myself on my account online. | ||||||
| 04/30/2018 | Yes |
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| I have been going through the process of getting on a rate reduction plan with Navient since XX/XX/XXXX. When I called then, knowing my plan was up in XXXX, they told me their computers would not allow them to process anything that far in advance and told me I had no options at that time aside for to wait it out. When I called back in XXXX, I submitted a financial statement and was told that, based on that, I would be able to keep my payments around {$1000.00} a month. I was told to call back at the end of XXXX/beginning of XXXX to officially process the plan. I called back in XXXX and began the process. I was told, that there was no way for me to keep my current rate and it would, without a doubt go up. Well, they processed my request and suggested a {$1100.00} payment, but said it would be a couple of weeks until it was officially approved or denied. They also informed me that these new plans didnt last a year anymore, but only 6 months so I would need to go through this again. During this time they acquired a loan of mine from XXXX. When it was acquired I was in the process of a rate reduction plan with XXXX so I called navient to ask about a plan and was told at no time, under any circumstances could my rate be changed. I asked for my promissary note to be sent and they said they would. Two weeks later I got a letter in the mail stating they didnt have this document available yet for me and would try to provide it soon. Well, shortly after, my initial claim came back denied because they said I needed to have my cosigner provide a financial statement ( even though I was told in XXXX that wasnt necessary since he is retired and has been for at least 15 years so his statement hasnt changed from the previous year when I applied ). I had him call and provide the information. During that time, the amount they approved me for was charged to my account and I paid two cycles for the XXXX loan. All the while, my account showed delinquent. I called expressing concern and was told not to worry, it just hasnt been updated yet, everything should go through just fine, it just takes time. I was contacted today, after nearly 5 months of communication and told again, it was denied. They said they could approve me at around {$1200.00} a month, but only if I double the terms of my XXXX loan to 300 months ( which would only bring my payments down about {$30.00} a month ). That would make my total monthly payments set at around {$1500.00} a month, but, with extending those XXXX terms, I would end up paying a ridiculous amount more. I asked if I could keep the XXXX loan as is, paying more each month, and was told the rest of the plan wouldnt be approved. I asked how it was so dramatically different each time I spoke to someone and unfortunatly the phone call was dropped before I could speak to a supervisor. I called back, asked to speak to the same person and was told they went on break. | ||||||
| 01/22/2022 | Yes |
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| Been having problems with my loan company since XXXX. First it was Sallie Mae then Navient and Navient turned my Federal Loans to XXXX. I put myself through college as a single parent hoping to get a better job outside a factory. Graduated from XXXX XXXX University in XXXX with a Bachelors in XXXX XXXX ( online ) and University of the XXXX XXXX online ) with a Masters in XXXX XXXX XXXX XXXX. Over the years my loans became over {$100.00}, XXXX plus and dealing with Sallie Mae and Navient to find a perfect plan to fit my budget was never professional. They were rude multiple times and suggested forbearance a lot which effected my credit score several times plus interest throughout the years. Now I am XXXX going on XXXX these loans going on the third company my issues are am I ever going to see these loans paid off? Dealing with these companies through out the years ( sorry cant remember dates that well was in a bad car accident in XXXX ). I know its my responsibility to pay off my debit and own up to it. Just been dealing with customer service people that have been rude and professional which never understood my budget. I was a struggler all these years to work a lot of overtime to raise to children on my own without assistance and now that they are grown up adults. Would like to think about retirement in my future. Where I work is having problems getting parts shipped in overseas which is causing down time. All these lenders see what I make per hour instead of the financial difficulties I am dealing with! Tired of lenders not giving me correct answers. For example I called after XXXX XXXX to see what my payment will be. One answer was under {$200.00} and called the next day another agent quoted over {$200.00} because of my income. I turned in paystubs and W2S. Did everything right over the years and feel overwhelmed! All I am asking for is to be heard, and pray in time companies that handle student loans work with people instead against. Show some compassion and dot the Ts and cross the XXXX instead of being rude and disrespectful. Navient is a company that did a lot of wrong by us and need to get honest people. Their jobs maybe stressful so is mine! May have put myself through college and have the debt behind it, I still treat people with the golden rule of life Treat people how you want to be treated! Still in a factory because of my age back then and now no one will hire me because I dont have experience. With this debt hanging over my head my future of the children with be burdened with if something happens to my life. Good luck to the future next generation of college graduates, and hopefully they can get professionalism with their lenders. Please take in consideration of discharging my loans in the Navient settlement or work with a payment I can afford instead of pushing me in payments I cant afford. Thank you for listening and hope for some professional solutions. | ||||||
| 01/13/2020 | Yes |
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| On Friday XX/XX/XXXX, I spoke with a customer service representative at Navient, the company contracted to service my student loan account, about some suspicious changes to both my student loan account history and personal credit report. It appears that Navient reported my loans Paid in Full on or around XX/XX/XXXX and closed the two accounts that were previously included in my credit history. This change caused my credit score to drop 39 points between the two closed accounts. When I logged into my Navient account and checked my account history, it appears that Navient has recently updated my account in several key ways : -All capitalized interest is reported as {$0.00} dating back to XX/XX/XXXX. This has not been the case for the past two years and six months. Interest had been accruing on the account. -My loans appear to have been retroactively consolidated with the reported date of consolidation as XX/XX/XXXX. I did not request this consolidation. -There are several newly reported payments recorded in XXXX that were not made by me. I stopped payments to Navient in XX/XX/XXXX after realizing that my payments and overpayments were not being applied in the way I intended, which was to pay down the principal and not be applied to future payments. When speaking with the customer service representative, I asked her Who initiated the consolidation of my loans in XX/XX/XXXX? She told me that I had requested the consolidation of my loans, digitally. I asked her what she meant by digitally. She explained that I submitted a request through my account. I asked if that request should show up in my account inbox under the tab Documents You Sent to Us, and she told me it should be in that tab. But there are no documents in that tab, because I never requested the consolidation of my loans verbally, digitally, or otherwise in XXXX. I know because in XX/XX/XXXX I learned for the first time that I wasnt alone in the overwhelming Navient scam. I have remained in forbearance since that time because Navient has refused my requests to remedy the misallocation of my previous payments. I did not request a consolidation in XX/XX/XXXX and my account history prior to recent erroneous changes listed previously did not indicate any consolidations. The Navient representative I spoke with explained she was sending me a Fraud package for me to complete and upload to my inbox along with a copy of my credit report to initiate a Navient investigation. This package was never sent to either my personal email or my Navient account inbox. My credit is still damaged and has prevented me from purchasing an affordable vehicle which I need in order to become gainfully employed and afford to pay my student loans. Navient continues to demonstrate flagrant disregard for its obligations as my student loan servicer and continues to cause irreparable damage to my financial well-being and my consumer credit. | ||||||
| 03/17/2023 | Yes |
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| Additional info on XXXX ... .not dupe. I had to declare XXXX XXXX in XXXX due to my medical condition. Although I tried to get my stepson, a veteran of the XXXX XXXX, off of the 2 Private Loans I incurred to due having to help with payment while he was in XXXX, Navient, prior name, Sallie Mae , time and time again REFUSED to remove him although I was assured at the time I incurred the loan that having paid the loans there would be no issue removing him. In XXXX, XXXX, I had had multiple procedures, due to a Serious Health condition, and unfortunately, fell behind on my payments due to the financial mess the non-covered medical expenses left me in. In XX/XX/XXXX, my items were discharged except for my mortgage and car that I entered into reaffirmation agreements. However, although advised of the XXXX XXXX, Navient stated that the PRIVATE STUDENT LOANS had to be paid although my XXXX XXXX was discharged. They messed up my ability to get a lower rate on my re-finance and I was forced to pay them off over {$20000.00} to ensure my step son was removed and that this was the only way I could re-finance my loans. They kept bad items on my credit file and it took several complaints with the CFPB and Credit Bureaus, and XXXX to correct my credit file. However, they illegally collected on the debt and illegally lied and kept my stepson on the loan. I had damages to my home during IRMA and the funds I would have used to repair my home, I had to direct to NAVIENT. A company that misleads, and lies to their consumer and ruins their credit reports. According to documentation I have read from the Bankruptcy Court and other attorney 's the 2 loans ending in XXXX and XXXX should have been discharged back in XXXX, instead of threatening me to pay them. They ruined my retirement funds and creditworthiness and lied on both the co-signer whose rights as a veteran should have been protected, yet NAVIENT gave every excuse and ran my credit multiple times instead of taking into account my payment history for the years that the co-signer was on there. They harassed me and said that I would negatively affect the co-signer when years and years I had asked to have XXXX XXXX XXXX XXXX removed. This is an unethical company that feeds off of the sick, and less fortunate in order to profit. They do not follow the law. They lie to their customers and continously mislead their borrowers and mess up their credit files with erroneous reporting. I have filed a myriad of complaints. I worked really hard to recover both my health, physical, mental and financial and Navient made it almost impossible for me to recover financially as they made me pay monies I could have used to repair my home after IRMA, instead I had to take money out of my retirement to pay the deductible. The funds they made me pay in XXXX should be reimbursed in full and they should not touch my or my co-signers credit report ANYMORE. | ||||||
| 08/15/2020 | Yes |
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| In XXXX of XXXX, I stopped making payments on my student loan because of the COVID19 Pandemic. It was my understanding that under the CARES Act, Navient would not charge me with any Interest. I stopped paying Navient after my XX/XX/2020 payment was processed. At that point, I was CURRENT on my Student Loan. Between XXXX, XXXX and XX/XX/2020, Navient did not MAIL ME as single letter. I've asked them dozens of times to use the USPS and not my email or phone, etc.. My profile currently says " Not signed up to receive emails ''. AGAIN, I DID NOT HEAR FROM NAVIENT FOR MONTHS, I ASSUMED I WAS COVERED BY THE CARES ACT AND THEY DID NOT SEND ME ANYTHING TELLING ME THAT I WAS NOT COVERED BY THE CARES ACT!!! NOT ONE PIECE OF MAIL!!!!!! I submitted a payment of {$150.00} on XX/XX/2020 and Navient applied it 100 % of the payment to Interest! Then on XX/XX/2020, they added an additional {$230.00} to my PRINCIPAL as Capitalized Interest. Navient told me on a phone call that my Student Loan is a FFELP Loan that is currently owned & serviced by Navient. After researching my options online, I requested that the ownership of my loan be transferred over to the Department Of Education. Once the " ownership '' of my loan is transferred to the Department Of Education, Navient will still service my FFELP Loan, but I will be eligible for Interest FORGIVENESS under the CARES ACT. THIS IS A SCAM!!! NAVIENT SHOULD BE " COMPELLED '' TO EXPLAIN TO EACH CUSTOMERS WHOSE FFELP THEY " OWN '', THAT THE LOAN CAN EASILY BE TRANSFERRED TO THE DEPARTMENT OF EDUCATION!!! 100 % OF MY PAYMENT WENT TO CAPITALIZED INTEREST DURING THIS GLOBAL PANDEMIC!!! MY TOTAL LOAN BALANCE ACTUALLY INCREASED BY {$230.00} AFTER I MADE A {$150.00} PAYMENT. MY COMPLAINT : When I stopped paying Navient on XX/XX/2020, they did not send me a single letter! Also, Navient should be COMPELLED TO TELL CUSTOMERS THAT THEY CAN BENEFIT BY HUNDREDS OF DOLLARS BY SWITCHING THE " OWNERSHIP '' OF THEIR LOAN TO THE DEPARTMENT OF EDUCATION! NAVIENT IS MAKING BILLIONS OF DOLLARS OFF THE BACKS OF HARD WORKING AMERICANS LIKE ME!!! INSTEAD OF BENEFITING FROM THE CARES ACT, CUSTOMERS LIKE ME ARE PAYING THOUSANDS OF DOLLARS TO NAVIENT FOR NO ADDITIONAL BENEFIT ... .. NAVIENT DOES NOT PROVIDE ANY ADDITIONAL " SERVICES '' TO CUSTOMERS LIKE ME. FOR ACCOUNTS THAT NAVIENT " OWNS '', THEY SHOULD BE FORCED TO PROVIDE SOME ADDITIONAL SERVICE OR OFFER SOME BENEFIT THAT JUSTIFIES THE {$380.00} THAT THEY JUST CHEATED ME OUT OF!!! THE CLOCK IS TICKING, NAVIENT TELLS ME IT CAN TAKE " 100 DAYS TO CHANGE THE OWNERSHIP OF MY ACCOUNT '' WHAT A SCAM!!!! If you have an FFELP ( Federal Family Education Loan Program ), call Navient and ask that the " OWNERSHIP '' of your account be changed to " Lender : U.S. Department of Education ''. Go to the website they provide and make the EASY CHANGES!! Wait 100 Days and NAVIENT CAN NO LONGER STEAL FROM YOU!!!!!!!! | ||||||
| 02/14/2019 | Yes |
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| Dear CFPB, I am extremely frustrated with my student loan servicer, Navient. I graduated with a XXXX in XXXX and a lot of debt. I went into repayment in XXXX with Sallie Mae. In XXXX, I received the option to consolidate my loans when I received a letter announcing that Navient would be buying out my loans. At that time, I had been working XXXX years ( full-time ) for a XXXX XXXX organization and I had just learned about the Public Service Loan Forgiveness. I called Sallie Mae and specifically asked if the consolidation would impact my eligibility for PSLF. I was told by Sallie Mae that I would still be eligible but to wait until after split between Sallie Mae and Navient took place to apply. In the summer of XXXX, I took a new job with a different XXXX organization that also meets the requirements for an employer in Public Service Loan Forgiveness program. I sent in the required documents to Navient in late XXXX and was told I did not qualify. I asked " why? '' and that I had spoken to Sallie Mae and they had indicated otherwise. The representative said I would have to increase my payments to an " astronomical level '' and that " the loan repayment plan I was currently on '' did not qualify for PSLF. This phone call left me deeply shaken as I was already paying XXXX a month and could not begin to think what an " astronomical level '' would be. I have now accumulated 10 years of employment in a qualifying non-profit or government institutions and have made 10 years of monthly student loan payments via automatic payments ( auto-pay ) tied to my bank account. I have been in repayment for a total of 15 years. Navient shows that I am only 36 % of the way to my repayment date of XXXX/XXXX/XXXX. I will be XXXX years old. I feel 100 % cheated. As a first generation college student and XXXX student, I was repeatedly counseled that student loan debt was " good debt. '' While I am grateful to have received the loans to aid my scholarship money, my XXXX XXXX tuition waivers and part-time jobs, I am deeply disappointed and frankly, angry, that I can not get on top of this debt despite years of faithful repayment and being told I could qualify for PSLF. I recently read in XXXX and in other sources that I am far from alone in this predicament. Instead of feeling any consolation, I feel enraged. 2 % of applicants actually qualify for PSLF? Please. I am surrounded by XXXX professionals who make far more income than I do who were also deeply in student loan debt, but their loans are being forgiven by other loan servicers who actually help up their end of the deal. Having my Federally guaranteed loans bought out by Navient was not my choice. But now I have no choice but to deal with a company that seems not to care one bit about what student loan debt is doing to people who are trying to contribute to a cause larger than themselves. Sincerely, XXXX XXXX ( formerly, XXXX XXXX ) | ||||||
| 02/10/2019 | Yes |
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| I am in the PSLF program with XXXX and I requested that Navient revisit my loan payment of XX/XX/2012 as they report it as short. Sallie Mae took over my Direct Loans without my approval inXX/XX/2012. In XX/XX/2012 I received a bill for {$1200.00} that did not reflect my Income Based payment plan that I was on with Direct Loans. I called to have my bill recalculated based upon my income and I was eventually told my new payment would be {$390.00}. The representative also stated my first payment would be due on XX/XX/XXXX so I made my payment early on XX/XX/XXXX. The following month I received a bill for {$410.00} and paid it in full. The next month it dropped to {$400.00}. I have found out through XXXX that this payment does not count toward my 120 payments because the payment was not for the full amount. I can only assume the customer service representative only saw the payment for loan # XXXX and did not include Loan # XXXX. At the time I was not aware they were separate loans. I paid the amount she instructed me to. As you can verify from my payment history I have always made my loan payments in full and on time. I made my payment in good faith for the amount I was told was due. Obviously if the representative would have told me to pay an additional {$12.00} I would have done it. Unfortunately they did not provide a written statement reflecting the new amount due so I made my payment based upon their employees verbal statement of the amount due. I have submitted documents proving my case. Document 1 shows the original payment due of {$1200.00}. XXXX that did not reflect my correct IBR plan. Doc 2 clearly shows my payment of {$390.00}, no amount past due, and a XXXX payment due of {$390.00}. ( apparently this was an additional statement error that was then changed to {$410.00} ). Again I made my payment on time for the amount I was told. I should not be responsible for their billing errors. As I researched Navient online it appears this is a common practice. I contacted Navient ( since they took over from Sallie Mae ) to try to get this issue corrected. They did not credit the payment as requested and I have included their summary as the last document. The bottom line is that I paid the amount that was requested by their agent, I paid it 2 weeks early, and when they billed me an additional amount ( above the statement amount ) the following month I paid that in full as well. Clearly I met my obligation for that to be a qualifying payment.I should not be punished for their employee 's mistake. As I am nearing the end of my PSLF program I am trying to ensure I have credit for all of my payments. With the uncertainty surrounding the program itself, every payment is crucial before the program ends so I really would appreciate your assistance in resolving this as soon as possible. I can be reached at ( XXXX ) XXXX or via email at XXXX. Thank you XXXX XXXX XXXX Acct # XXXX | ||||||
| 03/27/2017 | Yes |
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| On XX/XX/2017 I agreed to the settlement my private student loan from XXXX XXXX with XXXX and Navient, and received a Settlement Agreement document via email with the settlement plan on XX/XX/2017. The " plan '' as stated on the document was that XXXX would debit my account for {$2500.00} on XX/XX/2017 and the remainder of the settlement amount which included ( 3 ) payments of {$490.00} to be automatically debited from my account on XX/XX/2017, XX/XX/2017 and XX/XX/2017. The payment on XX/XX/2017 was not automatically debited from my account, so I called to ask what happened and was told they could not find my account number, social security number, or reference number as stated on this document. When I called Navient I was told that this loan is now with a different agency ( XXXX ) and this agreement with XXXX is now void and would need to setup payments with the new loan servicer. This is a breach of agreement both on Navient and XXXX. This settlement conversation was made on a recorded line, where these payments were setup to be debited from my account and account settled in full. Navient told me that I did not comply with my settlement amount and that the total amount was all to be paid by XX/XX/2017 - which was not what was sent to me in the Settlement Agreement document. I told them I had a copy of this document which states the payment amount and dates that we agreed to, and can I forward this email to them that was sent to me from XXXX. I was told that I could not email it and I would have to mail it to their mailing address. I have previously sent and received emails from Navient, so I know email is a method they use for communication. After asking to speak to a manager 5 different times, I was told to call a different number ( installation processing department ). By this time, I had explained this situation to 5 different representatives and no one could seem to understand or even care ( despite I had documentation that this is a breach of agreement ). I spoke with the installation processing department and she gave me a direct email address to send the document to, and said to call back in 7 days to see if it was received. In the meantime, I am now getting calls from a different loan servicer everyday ( XXXX XXXX XXXX ) to setup payments on this same loan of which I 've already made a settlement plan with a different company ( XXXX - a which can not seem to find my social security or account number, but debited my bank account for {$2500.00} for the initial payment of the settlement just 3 weeks ago ). This particular loan has gone from Navient, to XXXX, to XXXX, back to XXXX - so I never know where it is until I start getting harassing calls from the " new '' company that now has the loan. I am trying to repay but they are making it impossible and a uneasy experience - I feel like I 'm throwing money in all different directions and nothing is being paid off. | ||||||
| 09/30/2016 | Yes |
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| 13 months ago I set up automatic payments with Navient under a repayment plan that I could afford. This was working great or so I thought. The payments were set up to come out on the XXXX of each month, and they did. This continued on for a year ( I had to allow them to take automatic payments out for a year in order to obtain the payment plan I have and after the 12 month period was over I would start making manual payments of the same amount. ) Well, that year has come and passed now and I made my first manual payment. When I did this I noticed tons of late charges though.I had noticed this at the beginning too, shortly after I set up the loan repayment plan and I called Navient then too to inquire. The agent told me not to worry about it that it was a product of how my repayment was set up in their system. So I did exactly what he said and pushed it to the wayside, out of sight out of mind. When it came time to make my first manual payment I had to call Navient to figure out how I was supposed to pay it as the instructions they gave me were not lining up with what I was seeing. Through this I discovered that the reason it was not lining up is because these late charges were in fact NOT to be ignored, they were real and a result of how they set up my payment in their system. Because it did not fall on the proper date to line up with what they had my payment date set up. So despite me making the same payment for 12 months on time, on the same day, I am not left with over {$800.00} in late fees because of Navients mistake, misinformation, and careless disregard for their customers. I was lied to and I have it recorded. I attempted to get someone in their collections department ( I think that is what they called it ) to reverse these late fees/charges. But because I confirmed that I was receiving a bill from them they have washed their hands of any responsibility for the error. This is wrong. I will continue to contact Navient to try to get these late feeds removed/redacted. Unfortunately it has rained havoc onto my credit as well and that is what prompted me writing this -- a loan underwriter denying me because of late payments to Navient. Which is not true. I have payed them on time every month for the past 13 months now, at least. I would have to do some research, there have been times where I could not make the full payment they were asking but I payed what I could. This actually goes much further back than 13 months, they have been charging me late fees for 2 years. I can guarantee though that for the last 13 months the amount I have been paying is the amount that I am supposed to pay ( if this makes sense. ) I can do more research if it would help, however I do n't want to place a ton of effort into this unless I know something is going to be done about it. Likewise, if something is going to be done about this I have my conversations with Navient recorded. | ||||||
| 09/29/2015 | Yes |
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| I was a student at XXXX XXXX from XXXX. During this time I used XXXX XXXX as my lender. Once they became Navient I have had nothing but problems. I was on a payment plan from XXXX. During this time I was paying {$310.00} every month and funds went to all loans. Once Navient took over, only certain loans were being paid and others were defaulting. In XX/XX/XXXX I returned to school and some loans were in deferment. During this time I knew some loans had reached their maximum deferment time and I was preparing to do another payment plan. Loans that my mother had consigned were " in deferment '' or so I was told. I was arranging payment plans for the loans my father had cosigned and was going to do a monthly plan as I had done before. As I was checking on his loans I was told not once, not XXXX, but XXXX times on different occasions that my mothers loans were I deferment. Come to find out they were not and her credit report suffered. They did not just tell me her loans were in deferment they also told her they were as well. My father called to give his financial information and was on the phone for an hour. Days later when I called back to finalize they did not have any record of him calling. He had to call again and repeat everything he had just given him. Inconveniencing him for their error. My mother had to call and give her information after angrily stated that she and I had both been told that her loans were in deferment. She also had to call a few times because they did not " have record of her calling ''. Once I finally got things straightened out I made a payment and set up a 14 month automatic payment plan. As the month after I made the initial payment went on I kept getting emails saying I was late on my payment. I called and said that I had made a payment and am on a payment plan to which I was told " yes you are you should not be receiving these emails ''. Then a week later my mother gets a report from her credit company saying her score went down XXXX points due to non payment to Navient. I called them again and they AGAIN stated that I was on a plan and that they can see the payment I made. I asked why our credit was still taking hits even though I have done the right thing and gotten onto a plan and given them money. I was told we would have to contact our credit reporting sites and ask for it to be removed. Further inconveniencing us for their errors! To top it off I can not log in and see the totals on my loans because of " account status ''. I have paid them money! I am on a payment plan! How is it legal to keep people 's financial information from them? This company is terrible and I am looking into legal actions as they have more than once messed up mine and my parents credit report due to their own errors. Their poor business practices need to stop. They can not go on treating people the way they do and not caring that they cause unnecessary headaches. | ||||||
| 05/16/2019 | Yes |
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Web | Servicemember |
| I know I have been wrongfully charged late fees and interest applied to my total remaining balance due to the complete incompetence of payment processing and auto pay set up with Navient Corporation. This has occurred over the entire course of my student loan repayment after leaving college though I do not. I unfortunately do not have much record of the incidents leading me to this conclusion at this time. I hope to seek Justice in this matter none the less. Navient Corporation has called me many times over the course of my Dept repayment to inform me of late and not received payments. On the first of these phone conversations which they informed me was being recorded, I complained about not being able to login online to view my debt. They informed me this was due to them not having my correct social on file and asking me to mail a copy of my SSN card in the mail to the company. I complained that I would like to set up autopay to avoid these late fees and misprocessed payments, only to be told that I would first need to send in my SSN. I was extremely frustrated by this and failed to comply, thinking it a ridiculous request. Only to find out the next time I spoke to them over the phone that in fact, they do have my correct social on file and I don't need to mail anything in. I then was finally allowed to bring my balance current and I asked to set up auto pay to avoid problems in the future. I gave the representative on the line my account and routing number and was informed that it was set up and everything was taken care of. This occurred about a year ago, only to find out six months later, that in fact, auto pay had not been set up and I was again late in my payments for the entire time that I was under the impression it was on auto pay. I then was given the option to bring my balance current again, which I did and I also made sure to have them set up auto pay to avoid this from happening again and gave them my routing and account number a second time. I was given yet another " all future payments are set up for autopay '' by the company representative. I have just today ( XX/XX/2019 ) been informed that in fact this was another lie. I just moments before typing this complaint was on the phone with Navient to complain about not being able to login online to see my loan. The representative again informed me that I am past due on my payments and that auto pay has not been set up. I could barely believe it and tried explaining my situation to the representative who was unsympathetic. So I made my balance current yet again and yet again set up autopay. Only this time I asked for Navient to send me written confirmation of autopay being set up. I feel as though I may never receive justice for the years of mistreatment and additional charges and delayed loan payoff and credit score hits received due to the gross incompetence of the payment processing of Navient Corporation | ||||||
| 06/07/2017 | Yes |
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| I have 5 Loans with Navient. 3 of these Loans are under a rate reduction plan. When I applied for the second year of my rate reduction plan for these three loans I was asked to agree to terms 12 times, one for each month. I agreed to a debit payment once for each month for an amount of XXXX $ to be disbursed to the 3 loans under the rate reduction program. These payments being made on time are a stipulation for reapplying for the program in the following year, so keeping these loans current is vital for my financial well being. Last month on XX/XX/XXXXNavient received a payment of XXXX $ from my father 's account to be disbursed across the remaining 2 loans. Then on XX/XX/XXXX Navient received my scheduled payment of XXXX . The problem is that Navient disbursed the XXXX $ and the XXXX $ payments across the remaining 2 loans that are not on the rate reduction program before disbursing payment to my rate reduced loans for which the automatic debit was dedicated. I called Navient about this issue two days ago onXX/XX/XXXXand complained and was told that another department found the error and the past due status would be removed from my account. I was told to wait 24 hours for the changes to appear online. I logged on today XX/XX/XXXX to find that my automated payment of XXXX $ has yet again been disbursed to the two loans that are not under the rate reduction program. This leaves a total amount of XXXX $ owed for this month on the 3 rate reduced loans. I have no issue with paying this amount, I would eventually have to pay this anyway. The issue is I have an automatic debit set so that the rate reduced loans are never paid late. I avoid being late on any payment but at all costs my rate reduced loans are paid on time for obvious reasons. Two months in a row now Navient as disbursed my payments away from the loans they were agreed to go to. These two months have been the only occasions in almost a year in a half where my automatic payment did n't go only to my rate reduced loans. This leaves me with only two explanations in mind : Something in Navient 's system has failed to keep my records accurate in order to keep my payments going to the right place, or Navient has chosen to disburse my payment incorrectly in an attempt to cause me to default on my rate reduction program so they can force me to pay the full payment of these loans despite my cosigner being dead. I called Navient again today and told them that the problem has happened for a second time and the person on the phone spoke with the person I dealt with 2 days ago. They claimed they could n't see how the money had been disbursed because it was n't past due. My customer log in supplied more information than their payment center. This is baffling to me. I was told to wait 24 hours for them to have more information and to call back. This strikes me as just another attempt at capitalizing on my possible inaction. | ||||||
| 05/12/2017 | Yes |
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| I have been repeatedly misinformed by Navient. Their inability to track, process, and apply my payments has led to past due balances and fees that they have corrected by forcing me to apply for forbearance twice within the past 8 months. They have given me incorrect information for the terms of my forbearance both times, including the period of my forbearance and when my next payment is due. I have started calling in and making my payments over the phone with a live representative because every single month that I go online to make a payment, I am showing a past due balance- even after making my payment over the phone through a representative who assures me this will not happen again. Today, my loans showed a total past due balance of {$18.00}, which a representative " deleted '' and stated that it was charged " in error '' and could not explain why it was charged. After o ver 1 hour on the phone with two Navient representatives today, I was told 3 different amounts that I was due to pa y only to be told at the end of my phone call that I did not have a payment due this month at all. I contacted them via post several months ago, as requested, and have not received a response. While on the phone with them today XXXX / XXXX / XXXX , I was told that my balances due are entirely different from the information provided for those loans online and none of those amounts match what is reported to credit bureaus. They do not keep records of my phone calls, despite telling me that they will do so. Every time that I call, they somehow adjust my loan amounts and interest to get rid of the past due balances they have charged " in error '' and can not explain why the charges occurred in the first place. They distribute my payments in ways that are not as I have requested- My payments have been applied to interest, principal balances, and advanced due dates when I request that my over-payments be applied to the principal balance of single loans. My record of payment online does not reflect the payments I have made, and the last payment I made on XXXX / XXXX / XXXX does not appear in records anywhere. In the past hour, my account information online has changed from showing payments made on XXXX , XXXX , XXXX , XXXX , and XXXX with capitalized interest on XXXX and XXXX as well as a credit adjustment on XXXX to now showing a record of payments on XXXX , XXXX , XXXX , and XXXX with no record of the capitalized interest or credit adjustment. The amount that Navient claims that I owe them changes on a regular basis at the click of a representatives mouse with absolutely no explanation or record. I can no longer justify paying thousands of dollars to a company that can not accurately and consistently explain to me how much I owe, how my payments are being applied, and why I am repeatedly showing a past due balance or charged more than my scheduled payments in error. | ||||||
| 11/24/2023 | Yes |
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| I was provided a deadline of XX/XX/XXXX to contact Navient to re-setup payment arrangements for XXXX private loans that was in default in order to avoid being sent to collections. On the morning of XX/XX/XXXX, I called Navient, and was connected to my account XXXX, XXXX. I explained to her that I am prepared to set up a payment arrangement of {$200.00} per month and informed her the first payment may be taken out of my account same day, XX/XX/XXXX. The remaining payments for each month may be taken out auto debit on the XXXX of each month. She informed me this is fine and that the payments will be set up for XXXX months and I must reach out in XX/XX/XXXX to update the payment arrangement. I agreed verbally. She read a contract for me to agree to, which I did say yes, I agree. On XX/XX/XXXX, I opened a letter received by mail from XXXX XXXX XXXX mentioning they are a debt collector for Navient Solutions LLC. My XXXX loans were transferred to them. This contradicts the agreement made on XX/XX/XXXX directly with Navient and the payment arrangement made by the deadline provided. While I spoke with XXXX, I told her by bank routing and account number to have the payment withdrawn from my XXXX account on XX/XX/XXXX, in the amount of {$200.00}. My XXXX account shows a Bill Pay Check in the amount of {$200.00} on XX/XX/XXXX. Prior, I was paying {$420.00} per month which haulted in XX/XX/XXXX due to financial hardship. I called Navient on XX/XX/XXXX to request to speak with an XXXX manager just before XXXX EST, and spoke with a gentleman explaining the situation and that I need to speak with a Navient representative and not to re-route me to XXXX XXXX XXXX XXXX The representative said he will transfer me over to the appropriate department. I have now been on hold for 40 minutes and Im not being connected to anyone. This is beyond unprofessional, unacceptable and a complete breach of contract which has now placed a greater strain on my credit score, being this debt was sent to collections. I request to have to recorded phone conversation on XX/XX/XXXX with XXXX, from Navient, to be reviewed. These XXXX loans should have never been sent to collections based on our conversation. She even provided me with great information to assist with possibly doing a settlement in XX/XX/XXXX, and said the settlement amount may be approved for {$15000.00}, depending on the down payment made. I have strategized my budget in an effort to keep my part of the agreement. Receiving this notice from collections about my student loans is a complete surprise and not at all what we discussed. It should have never been transferred to collections, and Im filing a formal complaint. Please also note, 55 minutes later after calling Navient, I am still on hold, no updates on the hold time, and I havent spoken to a representative regarding this very serious matter. Thank you. | ||||||
| 07/24/2017 | Yes |
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Web | Servicemember |
| XXXX, My name is XXXX XXXX. I have been with Navient, I dont know how long my loans just seem to get passed around different companies over the years ( since XXXX ) only known via a new letter from a new company saying they are handling my loan. I have been working for and aiming to have my loans forgiven as I work for XXXX ( since XXXX ). I have had breaks but continue to maintain going full time college to complete my degrees and maintain my loans in Income Based Repayment. I have had different occasions in which I have called for assistance with my loans, such a time period of XXXX to XXXX where I was XXXX and withdrew from school to maintain IBR and requested to not be put in forebarence. I have recently learned that my account was in forebarence almost a year, and these months do not count towards my student loan forgiveness. I have made very clear to the multiple lenders who have serviced my loan what my intentions, expectations, and requests are regarding my loans. Navient has handled all of my student loans since XXXX. I have made contact and was informed by Navient customer service - '' oops, we shouldnt have done that if you requested it, but it only accured interest, we cant reverse that ''. I have multiple times requested that there be NO deferment put on on my account and I be in income based repayment while attending college f/t. I have spoken multiple times with Navient customer service who continue to tell me my account has been in deferment for over a year, however they will correct this ( three cust service reps said they will reverse this deferment since XXXX to XXXXXX/XX/XXXX). It is time for my annual IBR recertification, I received numerous emails telling me to login to Navient to complete this. I have logged in however as simple as the layout of the website is, there is no message or direction regarding my requests. I just called Navient for guidance and was assisted to the studentloan.gov site to complete annual re certification and she also informed me that my loans continue to be in deferment as I am in full time college. I once again, explained my intentions, expectation, and requests regarding the servicing of my loan. I have been working for XXXX and XXXX XXXX for numerous year. I have an expectations that my loan servicer is honoring my wishes in how they service my loan as my requests are within my right. I am utterly frustrated and overwhelmed with Navient attempts to hinder my progress in loan forgiveness and repayment affairs, in a manner that adds ridiculous amounts of interest where this too should not be. I will be absolutely devastated if all my months of public service are not counted towards my student loan forgiveness as explained and requested that Navient handle my loan in this manner. they have not been honoring my rights and seem to encourage my account to their financial benefit against my wishes. Sincerely, XXXX XXXX | ||||||
| 01/06/2018 | Yes |
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| I took out Stafford Subsidized, Stafford Unsubsidized and XXXX PLUS loans in spring XX/XX/XXXX to pay for my XXXX XXXX degree at the XXXX XXXX XXXX XXXX, University XXXX XXXX. I 'm an American citizen who has established residency here in the XXXX. I began paying the loans off in XX/XX/XXXX to XXXX XXXX.I called each month to make my loan payment as I use a debit card attached to my XXXX bank account. My loans were transferred to Navient and I carried on calling each month to make payments from my XXXX bank account. I have never been late to pay my loan and there have never been any issues paying with a XXXX debit card. I called Navient on XX/XX/XXXX to pay my XX/XX/XXXX bill and my payment was declined. I verified with my XXXX bank XXXX on XX/XX/XXXX that they had n't declined the payment due to fraud. This was confirmed and I called Navient on XX/XX/XXXX to try to pay my bill again. After speaking with three different customer service representatives and being on hold for close to 50 minutes, I was told that changes to their systems to prevent customers from paying with credit cards was impacting on my payment being processed. I provided the name of the bank and bank account attached to my debit card. This worked and I received a payment confirmation via email. I also received email confirmation that payment had posted on XX/XX/XXXX. Checking my XXXX bank account, the {$500.00} payment had not left my account between XX/XX/XXXX and XX/XX/XXXX. Upon logging into my Navient account online XX/XX/XXXX, it listed that my payment was outstanding. I called Navient on the evening of XX/XX/XXXX and was told that I 'd been sent a message explaining that the payment had been reversed. I never received a message to my email account or Navient message center when I logged into my account online. I was told that Navient would no longer accept debit payments from non-U.S. bank accounts. This was the first time that I was given this information. I never received anything in writing and have not found any information about this change published on their website. I do not use a U.S. bank account as I 'm in full-time employment in the XXXX XXXX. I have been told that the ways to pay going forward will have to be by international money order in U.S. currency drawn on a U.S. Bank, payment made from a U.S. currency account, SWIFT or wire transfer ( which have associated fees ), XXXX XXXX money order ( which also have associated fees ), and internal money transfers that pays out in U.S. currency. Their website does n't specify that non-U.S. debit cards will no longer be accepted. I 've been a told a fax from my UK bank account confirming that my debit card is indeed a debit card and not a credit card may suffice, but I keep getting conflicting information it appears that their systems do n't recognise my XXXX debit card as a debit card as it 's not attached to a U.S. bank account. | ||||||
| 05/30/2019 | Yes |
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| On XX/XX/XXXX, I called Navient to check the status of my refund differential that was told to me by XXXX XXXX on XX/XX/XXXX. XXXX stated that she was able to see that My RRP expired in XXXX and I td XXXX that I called around that time to re-certify, that is when I was told that all of my loans were be a total of {$270.00} ( the ones in RRP and the ones that didnt qualify for RRP, would go under Select payment ). I was told this by 2 different Representatives, XXXX in XXXX and someone else in XXXX/XXXX. My payment NEVER WENT TO {$270.00}, instead, I was charged {$290.00} in XXXX and XXXX and in XXXX, {$390.00}. Ive spoken with a rude representative today ( XX/XX/XXXX ) who kept telling me that my loans were separate and that she can not do anything about lowering the payment from {$390.00}. I demanded that she check the voice recordings from the prev months and that I speak with her Supervisor. She had me on hold for 15mins, then XXXX XXXX got on the line. At first she told me that Ive exhausted all of the prog assistance plans, then she said that She can only get me down to {$340.00}. I told her that I can not afford that at all and she suggested that I get on Forbearance. XXXX proceeded to cut me off and they tell me Since youve stated that you have a good credit score, why dont you consider refinancing. Otherwise, I can not offer you anything more! Lastly, XXXX informed me that she will put in a request to have the complaint dept listen to the recordings because the {$270.00} wasnt documented. XXXX rejected my request to have a print out of the recordings from XXXX and XXXX and stated that it was only for internal reviews. Ive asked for proof that I agreed to be put into 2 separate RRP and Select progs as she stated that I was enrolled in, to no avail. Then she stated I will put in the complaint even though nothing will be done about it other than higher ups having a conversation with the prev representatives! COMPLETELY UNPROFESSIONAL. I was given a much price and now she states that it was a misunderstanding and if I dont pay, I would be delinquent. She even stated that if I wanted to, she would remove me from RRP. The call was completely stressful and I feel drained. Nothing was resolved and she left me feeling like I was the one to blame when all that I wanted to do was to pay my bills on time and keep my credit score high. I was yelled at, I overheard whispers, and I was told that I was enrolled in 2 different Rate Reduction Programs and a select prog, but I was not aware of these things. None of the payment allocations were thoroughly explained, XXXX even said that my address was incorrect in the system, but mail was sent to me. THIS WHOLE EXPERIENCE HAS LEFT ME IN MORE DEBT THAT I STARTED. I need a lower payment, I CAN NOT AFFORD ANYTHING OVER {$280.00}. Ive been paying on these loans for over 7 years and my standard payment is still {$530.00}. How? | ||||||
| 03/20/2017 | Yes |
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| Today I called Navient to discuss a new payment because my forbearance is ending in a couple months. I am currently enrolled in an extended graduated plan which I understood to be an IBR plan - I thought all plans besides the normal payment amount were IBR. I asked the representative why interest was capitalized in XX/XX/2015 because interest should not be capitalized ( or accrued or something ) during IBR, unless you get off of IBR. She told me that because I left IBR and got onto the extended graduated plan, that the interest was capitalized. The change from IBR to extended graduated was made over the phone in XX/XX/2015 with Navient. I have no recollection of being told I was leaving IBR, and I most certainly have no recollection of being told that interest would now be capitalized. I am really upset that I do n't get a clear answer from Navient on what exactly will happen to my loan and balance until after everything is said and done, until all of the interest is tacked on to my loan. I thought I was making a good financial decision to go onto the extended graduated plan and only now I fully understand that was a bad financial decision. STUDENT LOAN REPAYMENT PLAN DISCLOSURES MUST BE IMPROVED : I am a very educated person and even I ca n't seem to make fully-informed decisions on my student loans because the repayment plans and rules are so complicated. These 'repayment ' plans are not designed for repayment ; they are designed to keep the borrower paying interest/fees every month to stay out of default ( to keep their credit score/history from being hurt ). Repayment means the borrower will have a fair/good chance at repaying the principal of the loan. Loan sharking is giving the borrower little to no chance of repayment while still keeping the borrower paying something to the shark. For full disclosure, I became extremely angry and cussed out the representative ; I am sorry for that but it does n't change the inadequacy of the disclosure of changes to my loan terms and capitalized interest. The phone call in XX/XX/2015 that I made that ultimately lead to me ( I only understand now ) to get off IBR and onto extended graduated payment plan was not enough information, enough disclosure to make this change. More clear written information about the consequences of these loan changes/choices must be implemented so borrowers do n't make the same decision I did that lead to more than {$12000.00} of interest being capitalized on my loan. THE EXACT COST - OVER {$12000.00} - OF MOVING FROM IBR TO EXTENDED GRADUATED SHOULD HAVE BEEN DISCLOSED TO ME DURING THAT PHONE CALL AND IT WAS N'T. What are my options now? I will never be able to repay my loans. I want someone to call me to discuss going into default on my loans. Nearly 4 years after gradudation my loan balance is over {$25000.00} more that it was when I graduated. I will never be able to repay this. | ||||||
| 10/28/2015 | Yes |
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| I have a private student loan through Navient ( formerly XXXX XXXX ). I feel this loan was made with predatory intentions. As I entered my final year of undergraduate education at Louisiana XXXX University in XXXX XXXX, I was told there would not be enough funding available and my only option would be a private student loan. ( Had I known how this loan would work I would have used another lender. ) I was referred to XXXX XXXX as it was the largest lender for these types of loans. After graduation I decided to continue my education and pursue a XXXX. After being accepted into the program it was another four years until I graduated with a XXXX ( XXXX ). The entire time interest accrued on that original loan at 9.5 %, which I feel is an unfairly high rate considering I had relatively good credit while working part time during college. Again, I needed money to finish school and should have looked for better options. So, now fast forward a year. What I did not realize was that I was only able to receive one year of forbearance on this loan. After graduation I made a series of business loans to start XXXX. My business has grown steadily over the last two years but income is irregular in that I am at the mercy of insurance companies for reimbursement. On some months income wanes and I do not make enough to cover all of my expenses. I called Navient to discuss a short one month forbearance so my credit would not be affected and was told I was no longer eligible and should just skip the payment. I did that and then later was able to catch up. Now we have a a bit of a slow period and I have not been able to make a payment for 4 months. I have spoken with Navient several times and usually were not willing to take anything less than the total amount past due. I spoke with them today and they offered a reduced payment for 15 months but I would need to pay them XXXX dollars by Friday. I do not have an extra XXXX dollars at this time. I was told I would be receiving a letter from their attorney. The person I spoke with liked to raise her voice quit often when I explained that my business and living expenses come first and then if anything is left I could pay the amount they requested. I am very frustrated with this company and have had very rude calls to my home line and my business line. I feel that this loan was originally made in a predatory fashion and I was taken advantage of as countless others have also been victims of this company. My original loan was for XXXX dollars. Now the debt is over XXXX. I have explained to them many times that I intend to pay the debt but they are no longer willing to work with me. Today they threatened me with wage garnishment. My response is that I would then be forced to apply for bankruptcy and attempt to have this debt either discharged in chapter XXXX or reduced in chapter XXXX. I do not want to do that but they may force my hand. | ||||||
| 06/11/2021 | Yes |
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| I received a random email for the first time today, for an outstanding debt owed in the amount of {$690.00} and an account number, no other information given, no prior communication from this Company. Looks like a scam, as I have NEVER heard of this company before. I call the courts and they advised that they have this company as a third-party debt collector, however, they show no outstanding balances owed. Apparently, this is for an outstanding debt from 2013 to a Superior Court, for a traffic ticket, bogus! I have never received ANY type of written notification for any outstanding debt, within the 5-day period, MANDATED BY LAW! I call the company MSB ( Collection Agency ) and the gentleman on the phone tries to state that he is needing my current address to send me notification of the debt. The debt is over 8 years old ; I should have been notified immediately of ANY third-party company with my information that they were using, to try and collect a debt. He stated that they did notify me. When asked he could not provide the address. If he has sent prior written notification, then when wouldnt the Company have my address on file? I called the courts and they have my record of current address on file, and no notification of this outstanding debt and to contact the collection agency personally to resolve, which I did. Although this is NOT even a valid debt, California statute of limitations states the following : " California has a statute of limitations of four years for ALL debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. '' This debt is over 8 years old, with no record of nonpayment, any break of any contractual agreements either verbal or written. NOT VALID! Not to mention the California law below, which reads : Within five days after a debt collector first contacts you, it must send you a written notice, called a " validation notice, '' that tells you ( 1 ) the amount it thinks you owe, ( 2 ) the name of the creditor, and ( 3 ) how to dispute the debt in writing. Again, nothing was provided to me and this is the first I am hearing of it. Its not on my credit report, because A. ) Not a Valid Debt, B. ) No written notification of that debt was every received to process, and C. ) It has a 4-year limit on it for collecting any outstanding debt, which would make their debt completely invalid, on that reason alone. They were advised by me to remove this invalid debt, without supplying any actual proof or record of, and to send me a letter advising this was an error and it has been resolved with no outstanding balances. Refusal was given, so I am now forced to file this submission of complaint, that I wish to have resolved as soon as possible, please. | ||||||
| 10/12/2020 | Yes |
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| Similar to my last complaint, I am being actively refused transparency by Navient. On XX/XX/2020 I called to provide financial information for my enrollment in their Rate Reduction Program. This information did not differ from the information provided previously that maintained my eligibility for the program. I am not sure I actually provided this information, and Navient has told me two lies thus far about why I was denied : the first, when I asked on the first phone call, was that it had to do with my XXXX score. I was told this by two employees, including a supervisor. That was false. Upon submitting my former complaint, I was then sent four documents ( attached ) stating that it was a failure on my part to comply with terms and conditions, which as stated to me entailed on time payments every month, which I provided. This claim was demonstrably false. I was contacted by a Customer Advocate who has sent me multiple documents ( attached ), all of which contain conflicting information about what information was provided initially, why I was denied, and apologies about their lies which ultimately amount to Navient saying whoopsie daisy about providing me blatantly false information in lieu of answering my questions truthfully. Now, they refuse to provide me the audio of the initial phone call so that I XXXX make certain that their claim of me having provided them the financial information ( prior to XX/XX/2020 when I emailed in a paper copy of it for review ) is true. I may be misremembering that conversation and I dont see any reason why, if I am, the audio should be kept from me. After being lied to and sent in circles multiple times, you can imagine why I might not have faith that theyre telling me the truth. Finally, my initial question remains unanswered and I have been cause undue XXXX and XXXX by their inability to practice their business ethically. I still have not been told how and why it is that the same information that kept me in the program has suddenly pivoted to ejecting me from it. It doesnt make sense to me, and I have a feeling they know very well that it doesnt otherwise I dont know why they would lie to me this way. I can accept that they have decided to stop offering me the program - conveniently during a federal student loan payment and interest freeze which has resulted in the loss of revenue from interest and fees. Ultimately, the problem isnt that I was removed at this point, its the lies and deliberately misleading information I have been given and the information that is deliberately being omitted. There isnt a lot I can do about the ethics of a fundamentally unethical system that exploits students, but I can than demand better by advocating for myself and refusing to accept lies, non-answers, and evasion tactics designed to confuse me. I have attached copies of the documents I have been sent by XXXX XXXX and by Navient. | ||||||
| 03/22/2021 | Yes |
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| I recently received an updated payment schedule for my loan and I need to understand the information you provided. Point 1 ) On XX/XX/XXXX statement my balance was {$80000.00} + {$1300.00} in accrued interest for a total of {$81000.00}. Since I paid {$3100.00} since XX/XX/XXXX, it leaves me with a balance of {$78000.00} which shows on the XX/XX/XXXX statement. However you wrote to me in XX/XX/XXXX that I had 120 payments left at {$940.00} a month and my estimated interest over the life of the loan was {$32000.00}. On XX/XX/XXXX you still show 120 payments remaining at {$940.00} per month and you estimate my future interest payments at {$34000.00}. That is an increase of {$2500.00} in interest!! How is it possible that the full amount of my interest over the life of the loan is increasing even though I am making payments and no interest is being added because there has been a freezing of interest on the student loan by the Federal government? Point 2 ) In addition I had previously requested, in my email on XXXX XXXX to the XXXX, an amortization schedule showing how my monthly payments are being applied and how the interest is being calculated. What interest rate am I really paying!! I am entitled to transparency. XXXX, a Loan Servicing Specialist responded via letter and writes " We are unable to provide calculations regarding how this payment was calculated '' That is absurd! I need an amortization schedule. Point 3 ) I did my own amortization schedule and based on the principal, payment amount, and 120 months the interest rate was almost 7.85 %!! That is exorbitant and way above current market conditions. I need to reschedule the loan at a lower interest rate or forgiven. Point 4 ) My XXXX student loan was {$80000.00} and you deducted 4.248 % as origination fee and on my XXXX loan of {$20000.00} you again deducted about 1 %. So you lent me {$100000.00} total but you only gave XXXX {$96000.00} a difference of {$3600.00}. You also charged me accrued interest {$1300.00} on Loan # 1 and {$310.00} on loan # 2!! totaling {$1600.00} while I am still in school ( I have not graduated as yet ). Also even though I am making payments my interest seems to be increasing. I needed help to be able to further my career and I am left with a toxic loan that doesn't allow me to follow my dreams. As I am just about to start my career with the tools that I learned at XXXX over the last 2 years, you have really made my life unnecessarily difficult by charging me so much at this crucial time in my career and at an important moment in the history of the United States as well. My income is very low and I am having difficulty making ends meet. I need some large help with the loan repayment. Please respond with compassion by providing me a plan that takes all this into consideration and affords me a way to create a path for success. Thank you XXXX XXXX XXXX | ||||||
| 10/01/2015 | Yes |
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| To begin my story, I decided to attend XXXX School specifically XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. At the time, I had just gone through a bankruptcy so I had to take out a private student loan which had a high interest rate to pay for college. Everything was ok at the beginning, I started to attend class and was doing very well. As I was attending class I was put on a payment plan by the XXXX XXXX, things were ok for a while but as school started to get more demanding I could not work as much and my payment plan with the school started to suffer. Because, I could not keep up with my payment plan, I was told by the administrative staff at the Culinary Academy that I was going to be withdrawn from the school for non-payment. The most disappointing aspect of all this was that I was XXXX semesters from graduating!! So, after a long battle with the school, I start my XXXX career, which needless to say was extremely hard. There was never enough money to pay off the private and/or federal student loans, so I had to keep putting my loans in a deferred status, I think at one point I started with a XXXX to XXXX XXXX dollar loan and it just ballooned over time to XXXX XXXX dollarrs because I could never pay it back. I went along like this for years, until I ran out of time, I could no longer defer my payments. Since XXXX or XXXX I have been struggling to pay my student loans. At one point, I was so destitute I could not pay the loans and my credit was ruined by the loan provider ( XXXX XXXX XXXX I finally reached out to them and they got my loans back on track so I would not default, however it was too late my credit had already been damaged. Since then, I have tried to keep up but the payments for my private loan and federal loan add up to about roughly {$800.00} a month ... I just ca n't pay that anymore!! As of XXXX I reached out to XXXX which is now Navient and tried to work out a interest rate reduction and or payment amount reduction with Navient but they have yet to agree some relief!. They advised that me and my co-signer had to perform a financial analysis, which we did, only to be told that I did not qualify!! Which I do n't believe. As it stands right, I have a outstanding loan of about {$69000.00} dollars and {$40000.00} of that are part of the private loan and the private loan payment is {$600.00} a month at almost 14 % interest. At this rate I will not pay off my loan until XXXX, maybe even later ... I can not sustain this type of payment, I am going crazy!! it is really affecting my life. I am not sure what your organization can do to help, but any help would be much appreciated. The guess the most hurtful thing about all of this is that I did not get to graduate from college, I did not get a degree but I am still paying XXXX dollars to an organization ( Navient, formerly know as XXXX ) and having nothing to show for it. Sincerely, XXXX XXXX | ||||||
| 05/23/2022 | Yes |
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| Out of my 11 student loans, 3 are XXXX. First, when I applied for student loans at XXXX, they told me that the ffelp loan was the only federal loans Available for me when in reality there were direct student loans from the government that I find out about XXXX years later. XXXX XXXX, Navient, and XXXX took advantage of me. Have me misleading information. Steered me into options which were not in my best interest. Finally they did not honor terms like Covering the interest on federal subsidized loan when I was a full time student. Ive never had a late payment of my loan in my entire life. They manipulate me onto the loan. Second, over there years Ive tried to get the loans consolidated under the government program but they told me the only consolidation loans I qualified for were not eligible for the government loan forgiveness after 25 years of payments. In reality that was a lie. Third, they told me my only options when I was unemployed and still enrolled in college seeking my degree full time, was to defer my loans. It was many years before I found out about the {$0.00} payment. Thus I should be 14 years into a payment plan that would have been forgiven in 10 years. My loans could have been forgiven but because they steered me into putting my loans into forbearance instead of what was in my best interest Fourth, the XXXX entities did not properly counsel me when. Is was a naive teenager. Now I owe {$85.00} XXXX in debt when my original loans were approximately {$35.00} XXXX. XXXX, XXXX out of my 11 loans serviced by navient were incorrectly reported as XXXX days late and XXXX mo th unpaid for XXXX, XXXX, and XXXX, XX/XX/2021 when they In a forbearance due to COVID. Plus I had already applied to Renew my income based repayment plan.they confirmed over the phone all of my account Would be in forbearance until my repayment plan was reviewed and renewed. I found out about this by a sudden drop of my credit score for XXXX to XXXX. After many attempts to solve this with Navient and XXXX disputes with the credit bureaus, Ive managed to get some of the incorrect data off, but XXXX, XXXX, and XXXX still show incorrect. XXXX now shows current but on all three credit reports, they refuse to take the note of XXXX XXXX XXXX days late. It doesnt make sense logically, How can it be be XXXX - XXXX days late if they are reporting only 3 months behind. Honestly I think they need to forgive at least these XXXX loans because if Navient were honest, I would have qualified for them to be forgiven by now. They definitely need to report XXXX, XXXX, XXXX correct and no days late. I was tripple covered by the automatic Covid forbearance. I had requested a covid forbearance first. Then later, but before XX/XX/2021, I called Navient to asked to renew my repayment plans and they gave me a verbal forbearance while my application was reviewed and awaiting renewal. | ||||||
| 02/07/2016 | Yes |
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| I graduated from the XXXX XXXX XXXX University XX/XX/XXXX, with a Navient student loan that has accrued in interest while I was both in school full-time and looking for a job one year after graduation. I currently owe about $ XXXX, with payments becoming inconceivable after taking into account my necessary living expenses ( e.g. rent, utilities, food, medical bills ). I 've recently contacted the company to explain my situation in hopes of cutting my interest rate from a staggering 11 % to a lower rate and more affordable payments. It took me three days worth of phone calls to finally reach a representative by the name XXXX, who explained that there was a 'special program ' which I could sign up for if I switched to Auto-Pay, and my interest rate would be reduced to 7 % with payments of {$350.00} ( this is quite a difference from their projected {$550.00} loan payments that they were expecting me to pay them ). When she explained lowering my interest rate, I felt temporarily relieved, but my doubts began to resurface when she decisively finished the phone call with a last statement : " I will continue to contact you to ensure this program takes effect after three payments have been made through your account, but I can not guarantee its approval based on your application. '' This is also the same representative who, after receiving an e-mail specifying that I would be able to look into postponing payments due to economic hardship ( e.g. previously stated medical bills ), explained she was n't " sure who sent that e-mail and why it was sent to you ''. I find it highly distrustful that their e-mails and representatives are showing myself and other possible Navient clientele misleading information. ( I still have the e-mail in my logs as proof -- this e-mail is also the reason why I persisted in contacting the company about postponing payments. ) As of XXXX XXXX, XXXX, I 'm expecting written documentation to be sent to me via mail detailing the specifications I reviewed with XXXX over the phone. I also have a phone log, confirmation number and a clean credit history to back myself up in case there are any disputes over this new agreement, or an amount higher than {$350.00} shows up in my bank account. As of XXXX XXXX, XXXX ( my payment due date ), I 've checked my bank account periodically throughout the day, but no payment has shown up as of XXXX. I would have called the company today to verify a payment would be processed, but the phone line is not available on Saturdays. Nonetheless, I 'm still keeping periodical records for both personal and legal accountability. Due to the amount of horror stories and illegal activity I 've read about, my qualms with cooperating with this company have not ceased. If a 'missed payment ' shows up on my record and affects my credit score, I will be taking all necessary measures in order to disprove their allegations. | ||||||
| 10/19/2019 | Yes |
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| I received my XXXX XXXX in XXXX XXXX in XXXX, XXXX. I am now a XXXX XXXX XXXX. I applied for an Economic Hardship Deferment in XXXX of XXXX online and was waiting to hear back in case Navient needed more documentation. However, I never heard back, and I called to double check that everything was good and the deferment was approved, and they told me it was being processed. The representative also had told me they would contact me if they needed anything further, In late XXXX of XXXX, I was trying to figure out a faster way to pay off my student loans owed to Navient so I would be able to pay down my balance. So, I applied for a Home Equity Loan ( and got pre-approved, my credit score was XXXX ) to pay Navient around half of what I owe. I checked my credit score a week later in XX/XX/XXXX, and it had gone down over 200 points. From XXXX to XXXX overnight. It showed that Navient had put in 10 accounts that said I was 90 days late. I was mortified, and was told my a Navient Representative that my deferment was approved back in XXXX of XXXX. At that moment, I cried and thought my credit would be ruined forever and I still am in absolute shock and turmoil over what this has caused me and my family. I have worked so hard to pay what I owe and had very good credit for years prior to this horrible situation. This error is not my doing and this error is on Navients part. I filled out the appropriate paperwork in XX/XX/XXXX, and a representative that I spoke with on XX/XX/XXXX said no one had ever processed my Economic Hardship Deferment way back in XXXX of XXXX. I was told to send this letter to explain my situation and how I was wrongfully put in the credit bureau, so this can be corrected. I work with XXXX XXXX XXXX every day, I pay all of my debt every month, and I have worked for years trying to build up my credit because I knew I would have student loans to pay off. I have nothing negative in the credit bureau before Navient made this life-altering error. I have sent two letters ( one letter in XX/XX/XXXX and one letter in XX/XX/XXXX ) to Navient explaining their error, and they have yet to respond. I have graduated with both, a XXXX and a XXXX XXXX. I want nothing more than to pay my loans back, but I can not begin to become financially available if my credit is ruined for Navients error. My FICO score, XXXX, XXXX and XXXX credit bureau have all been effected significantly to the point where I have lost over 20,000 dollars in credit thus far. Please help me correct these errors against me as soon as possible so my credit is no longer wrongfully negative. Thank you for your time with this matter. I would never be irresponsible, and I assure you that I was not in error, Navient was at fault 100 % and my graduation and credit is proof of my responsibility. If you have any questions or need further documentation, please let me know. Thank you again. | ||||||
| 04/22/2021 | Yes |
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| I am writing to complain about Navients educational loan unfair tactics used to keep their payees in perpetual debt. I understand there is a class action complaint in process. I would like to learn what I can do about my situation and be included in the class action process as well. Some background, in XXXX, my two education loans were consolidated under Sallie Mae at a six percent interest rate and eventually managed by Navient. The original principle amount was ( {$51000.00} ). Over the past twenty years, payments were made totaling {$63000.00}. As of today, XXXX XXXX, my balance is {$40000.00}. Meaning, after making over 160 monthly payments over the past sixteen years of {$63000.00}, the principle on my loans has only reduced by {$10000.00}. Ridiculous!! Part of the reasoning that the principle does not decrease very much is most of the monthly payment goes towards the interest. Also, additional interest has been capitalized on top of the balance due to a few periods of time when loan was on deferment or forbearance. There were times I simply did not earn enough money to pay rent, bills, and student loan payments and I fell into a vicious cycle. Sallie Mae or Navient never gave me an option that worked with my income/debt ratio that was realistic. I had to go bankrupt in XXXX due to having too much debt and not enough income. That only resulted in credit card debt being excused, not education loans. Over the past few years I have been able to make inflated payments due to increased income. Only then was I able to reduce the principle a little. My efforts should have gone further than a few thousand dollars towards principle. The interest structure on these loans is what is preventing the borrowers from getting to payoff. Currently, I am unemployed and afraid of not being able to keep up with the momentum of payoff. I fear that will result in more interest being capitalized and the balance increasing again. As it stands today, I will need to make a monthly payment of at least {$460.00} until I am XXXX years old. So, I will have to hold off on retirement or win the lottery or something to get this debt off my back. It wouldnt be so bad if my payments went towards the principle. I honestly think the finance companies should not make the huge profits off of educational loan debt that our system allows for them to. I am anxiously waiting to see what President Biden and Congress will pass for our indebted education loan borrowers in perpetual payback, if anything. So far nothing in the works seems to pertain to my situation. I am asking for guidance from the CFPB. Can you guide me towards a resolution or direct me towards the current efforts that may improve my situation. Anything would be appreciated. I have attached files showing loan history and balance information and a transaction payment list for the life of the loan with Navient. | ||||||
| 08/24/2018 | Yes |
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| I took out a private loan in XX/XX/XXXX with Navient. I have been a student for the majority of time between then and now. I have consistently had issues with Navient applying my student deferment in a timely manner, refusing to apply the deferment, and listing my account as past due when it was reported to them through the XXXX that I was a student. My most recent problem with this happened in XX/XX/XXXX. I had been enrolled as a student the prior semester, and the deferment was applied. I enrolled for the Summer term, but Navient refused to apply my student deferment. They ignored both my attempts to contact them and resolve the issue and the XXXX data reported to them. They also did not apply the deferment to my federal loans. I do know the XXXX reported my enrollment because another company I have a loan with applied my deferment without me needing to contact them. Instead of applying my deferment or working with me, they listed my account as past due and threatened late fees and negative credit information. After numerous attempts through XX/XX/XXXX and XX/XX/XXXX and a complaint with the XXXX XXXX XXXX, they had to admit they did receive the enrollment data and applied the deferment to my federal loans only ( which required no payment at this time as they are on income based repayment and my income is too low to require payment ). They still refused to apply any deferment to my private loan ( the only one requiring payment at this time ). The only reason I was given is that I can't have deferment any longer because they no longer offer NEW loans of this kind. That is ridiculous. Near the same time, I was also told that I have 12 months of forbearance available, which I repeatedly requested. That request has been ignored, with the same person ( XXXX XXXX ) responding to the email but completely ignoring my clear request to apply this available forbearance. I have made it clear repeatedly that I am unable to make the payments at this time. Not only am I a student, but I also do not make enough at my job to afford this payment above my basic expenses. In an effort to avoid the continued threat of negative information on my credit report as a result of Navient 's refusal to apply these payment postponements as agreed, I payed {$300.00} to bring my account current, having to short my rent and go without food to do so. Instead of working with me, Navient has continued to refuse to apply deferments, forbearance, or lower the payment amount. I believe they have reported negative information on my credit report, and are still attempting to strongarm me into payments I can not afford at this time with the threat of additional negative information on my credit report and added fees. I have been honest that I can not afford these payments and have tried to work with Navient, but they have made XXXX effort to work with me or honor the terms of the loan. | ||||||
| 08/16/2017 | Yes |
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| I have consolidated some of my " XXXX XXXX XXXX student loans '' as of XXXX XXXX 2017. I make my payments as per the contractual schedule ( CONSTANT PAYMENTS OVER 30 YEARS ), using automatic payment, despite all the problems that they cause along the way ( ie deactivating my automatic payments without notice ) Navient charges the integrality of my payments to interests, nothing to principal. This increases my interest rate by more than 30 %, is not in agreement with my contract, and the BALANCE REMAINS SAME SINCE FOUR MONTHS DESPITE THE PAYMENTS. The detail of the allocation of payments, fully available online, confirms that Navient fraudulently ( on purpose ) applies all and any of my payments to interests and fees, breaching the loan contract and misappropriating the portion of the funds that should be applied to the reimbursement of the loan to the XXXX XXXX XXXX. I have contacted the customer service more than ten times, spoke with the customer advocate and wrote to her several times, and addressed a complaint to the audit committee of the board of directors of Navient. The customer service answered to me that they had reviewed my account and refused to escalate my complaint ; the Audit Committee, in charge with internal controls compliance, did not answer. The customer advocate told me that she had sooo hard time understanding why I was complaining about how Navient handled my payments, after all, " all they did was collecting the monthly payments almost for the amount agreed ''. The next day, I found that the CFPB had started in 2017 a lawsuit against Navient for exactly that. How unexpected was my complaint for misappropriation of my payments?! ... I am writing to you because the trail of my case shows that Navient is in the business of breaching the contracts by modifying the systems, telling to customers that all is fine, and refusing to correct the very obvious fraud when it is reported. I am trapped with Navient. If I reimburse my student loan, they will apply my payment in full to interests, as usual. The abuse is so systematic and the absence of internal control so total, that it s not possible to believe that this is " just a material weakness in internal controls over fiduciary duties ''. Let 's note that if it was " just lack of controls '', per XXXX it is enough to send the top management of Navient to prison. Navient appears to be in the organized business of taking down as many US graduates as they can, while also depleting the ability of the XXXX XXXX XXXX to extend loans to new US students. An anti American purpose. My suggestion to the victims : let 's charge them with our own " assessed fees '' and subsequent " late fees '' if they do n't pay us our own assessed fees. We need to make the idea of stealing from student loans way more expensive than the efforts to service the loan with the highest standards of customer service. | ||||||
| 05/18/2020 | Yes |
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| First of all I was furloughed due to COVID-19 starting XX/XX/XXXX. My payments are automatically deducted on the XXXX of the month. XXXX 's payment was not a concern I had enough to cover. I did check the company website in late XXXX early XXXX as it became more clear that i was not returning to work soon. The information I got was that they ( Navient ) was working with the government on a solution. After I heard about the Federal governments plan forgive student loans until XXXX XXXX I went and checked the status of my FFELP loan status. I understood, from the information I had, that I didn't need to do anything further. That was mid XXXX, it showed that I owed nothing come XX/XX/XXXX. So, I figured everything was good. I received a voice message from Navient on XX/XX/XXXX claiming that my payment was past due and I owed an additional {$27.00} late handling fee. I called them back on XX/XX/XXXX after checking the website first. According to the website I owed {$0.00} on XX/XX/XXXX and about 2 lines down it said there was past due payment from XXXX plus the late fee. So, I asked the agent what that is about? She said it showed {$0.00} owed because I have automatic payments. I said that is very confusing and then I asked her why my loan wasn't being included in the government COVID assistance program? She explained it was because i needed to consolidate my loan with the Dept of Education. I said it is a consolidated loan. I consolidated over 10 years ago when the POTUS said the interests rates were going up and students should consolidate their loans to lock in the interest rate. So, I contacted my service provider at the time and consolidated my loans. The Navient agent proceeded to then tell me that my loan is indeed consolidated, by not by the Dept of Ed. Navient owns my loan outright. So, I proceed to tell her that I've been furloughed due to COVID-19. I ask what are my options. She said my only option is Navient 's Emergency Relief program which lasts 90 days. I then asked will you be charging interest during this time. She replied yes. I went on to say this is why I fought Navient taking over my loan again. About 20 years ago I was working, but having trouble making payments. XXXXSallie Mae was my service provider then and told me the only real option I had was forebearance. Well, I ended owing double the original loan amount. The Navient agent said that in order for me to have control over who services my loan I would have to consolidate my loan through the Dept of Ed, and that she would email me the information. I said fine to that because I would like nothing more than to get rid of Navient from my life. I did agree to the Navient relief program for now, so that I don't keep getting hit with late fees and they don't keep trying to draft money that isn't there. Apparently in the meantime I have to consolidate and already consolidated loan. | ||||||
| 02/10/2017 | Yes |
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| I graduated from XXXX school in XXXX XXXX. At that time I did not have a full time job due to having to do my required XXXX hours for internship. I was working as a XXXX for XXXX XXXX XXXX. When I received my notification that my loans had been bought by Navient ( they were in deferment with the other agency ) I contacted them immediately to see what my options were for repayment. They sent me a statement that my loans would be more {$900.00} a month. I contacted them again and stated that I was currently seeking full time employment and wanted to know again what options I had for repaying the loans because there was no way I could afford the current payment plan they had sent me. I waited for 3 months ( attempting at least once a week to get someone to let me know what I could do ) and never got an answer. I noticed that my statements stopped coming during that time. I called them back on final time and was told that my loans had been approved for unemployment deferment. I stated that I was currently doing XXXX for the XXXX at XXXX XXXX as a XXXX and they stated that XXXX work does not qualify as XXXX employment. When I was offered the job with XXXX XXXX XXXX as a XXXX in XXXX of XXXX I contacted Navient and asked what options I had once a gain and I was told that my loan was in deferment and I could either make interest only payments or I could let it stay in deferment until I found out if our center was going to shut down or until the unemployment deferment was exhausted. I asked how long that would be and they stated that my loans would come up for repayment in XXXX of XXXX. I was ever given the opportunity to do any type of income based payments or anything. I was n't told that I could stop the unemployment deferment or that you only had 12 months in the lifetime of a loan to have it under unemployment deferment. In XXXX I started receiving statements again and by this time we had been notified by the DOL that our center was going to close and our last day to work would be XXXX XXXX, XXXX. I contacted Navient and filled out the forms online to see again what my options were and they denied me any type of help. No income based repayment, no deferment nothing. I have gotten to the point now where I am looking at trying to file bankruptcy ( which I/m being told is next to impossible when it comes to student loans ). I do n't know what else to do. I am currently drawing unemployment and looking for a job but Arkansas is not the best state to find a decent paying job. I have XXXX school age children and with the normal monthly bills there is no way I can make a $ XXXX a month student loan payment. I have been told that in extreme cases student loans can be forgiven or put under a bankruptcy so I am hoping that the fact that I have barely any income and if I paid that loan payment I would be homeless and could n't feed my family is extreme enough. | ||||||
| 07/14/2016 | Yes |
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| 10months ago I contact Navient and asked if I paid extra on my student loans could I allocate any additional payments to the loan of my choice. Navient told me " no, this is not an option. '' 2months ago a customer service representative told me that yes I could make an extra payment and allocate the amount of my choice to the loan of my choice. I would have to make a payment, wait for it to post, then call Navient to have the payment allocated to the loan of my choice. XXXX/XXXX/16 I made my minimum payment plus an additional {$10.00}. XXXX/XXXX/16 I waited for it to post and called to have the {$10.00} allocated to my Consolidation Loan XXXX. I checked online to ensure that my payment was allocated correctly and my balance went up on XXXX Consolidated Loan XXXX and XXXX by {$140.00}. XXXX/XXXX/16 I spoke with Customer Service Representative XXXX and she stated that they would fix the problem and that she can see where multiple changes were made to my payment. She also verified that my total balance due on Consolidation Loan XXXX was {$3800.00} ( {$92.00} more than what my online account states ). She also verified that my Consolidation Loan XXXX balance was {$1700.00} ( {$52.00} more than what my online account states ). XXXX/XXXX/16 I contacted the Ombudsman for XXXX XXXX. XXXX XXXX recommended that I contact Navient Advocate Team and that he was confident they would fix the problem. XXXX/XXXX/16 called Navient Advocate help line to address the issue. XXXX XXXX set up an advocate specialist for my case. XXXX did state that there are " inconsistencies in balances and that should n't be. '' XXXX/XXXX/16 XXXX XXXX XXXX ext XXXX contacted me. She stated that " there is a problem with the online system and they have noticed that the balance in their database is different from my online Account History and that my online account history is incorrect. '' When asked when this issue would be fixed XXXX stated that " currently there is no date set to accomplish this fix but that she would email the appropriate people and ask. '' When asked to verify my balance due XXXX stated that Consolidation Loan XXXX balance was {$3800.00} ( {$42.00} more than XXXX stated on XXXX/XXXX/16 and {$130.00} more than my online account states ). Consolidation Loan XXXX balance was verified at {$1800.00} ( XXXX more than XXXX stated and {$83.00} more than what my online account states. When asked if I could just pay off my student loans in full and be done with this. XXXX stated that " you can only pay the minimum payment with a credit card and that anything additional must be paid with a routing account #. '' XXXX/XXXX/16 I contacted the XXXX the Ombudsman and he was stated that " this case might not meet the criteria '' and he gave me the XXXX XXXX and he defended Navient saying you might want to " take them up on their word, '' and wished me " good luck. '' | ||||||
| 06/07/2015 | Yes |
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| I believe that I am a victim of predatory lending and bad business practices. I was promised a superior education that was to be followed by a dedicated staff that would stay with me through the hiring process when I enrolled at XXXX XXXX of XXXX XXXX in 2006. I was sold a dream that did not exist and pressured into signing for loans that I did not understand. Once it was found that I would not be able to fund my education completely through XXXX form of federal loan I was informed that there was another type of federal loan. They proceeded to tell me that all I needed to have in order to guarantee funding was XXXX individuals with poor credit that would automatically get denied and their permission to do a credit check so that I could benefit from the other loans. This is what we did. We used my mother and sister as potential cosigners and once they were denied the financial aid office told me I was eligible for full funding. Within a few minutes they had whisked me away and had me sign paper after paper. I started to become hesitant and it was at that point my recruiter began to give me a speech about how I was older than the traditional college student and that I needed to jump on this opportunity now if I ever wanted to amount to someone who could provide for my family. She told me it was extremely hard to make it through life with a lower class job and that this may be my one and only chance to get out. At no point did they ever tell me that the loans I was signing up for were private loans that would not follow the same deferment guidelines as the federal loans. From what I understood all of my loans were federally funded. Obviously I signed up to be a student and during that time ran into many roadblocks that made me regret choosing XXXX. It was't until much later when I decided that the school was a fraud that I was informed my credits would n't transfer. I only decided to stay because I was informed that my degree WOULD transfer and that I could obtain my XXXX at another school. Upon graduating I found out that was a lie. None of the state universities would touch me. The only schools willing to look my way were other high dollar schools such as XXXX and University XXXX XXXX which cost up to $ XXXX out of pocket. Now today I am stuck with $ XXXX in debt ( will be $ XXXX by the time interest is paid ) and a degree that I can not use. Payments are expected to be around {$700.00} a month but who can afford that and live? This story can be heard from victims all over the nation and something needs to be done. My loans were originally through XXXX XXXX but are now handled by Navient. I believe XXXX XXXX was aware of the bad lending procedures at XXXX and other for profit schools and turned a blind eye. They did not have to provide XXXX with the ability to provide funding to students but they did and now students everywhere are drowning. | ||||||
| 12/11/2018 | Yes |
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| XX/XX/XXXX I was called by XXXX XXXX and informed that money was owed by me and I had very little time to pay it back or be forced out of school. When I inquired about the money or why I was being charged the once helpful demeanor was met with standoffish and unhelpful from everyone involved. I was no longer being provided with answers when I asked questions and it became very clear due to fear of legal repercussions they weren't going to inform me of anything aside from the money owed. Furthermore, due to XXXX XXXX XXXX habit of charging per semester instead of per class ( there are three or four classes per semester ) I was trapped inside a semester I couldn't pay for. My understanding was that, I owed money for an undisclosed reason and couldn't continue going to school however I was still pushed into the following semester. I felt I was trapped, as so the school could continue to charge me. I faced an emergency and when I asked my instructor he looked at me lost and said he didn't know. I went back and forth between him and administrator as they argued to see who would be responsible for my absence. Skipping to this year. In XX/XX/XXXX I was contacted by debt collection agency who informed me of a XXXX dollar owed to the university. My understanding is : the money that the University is claiming I owe, is coming from the money they had to refund back to the government, and to themselves ( They offered me a scholarship ). I'm being asked to pay for services I was never given. The school itself claims the original sum -- which forced me out -- from a class I was to retake. Unless my memory is faulty the emergency that resulted in a missed class I spoke with admin and brought along hospital papers to prove my stay in the emergency room. The other incident I can recall that may have forced me to retake a class mentioned above and I thought excused. I can not recall any other time I would have needed to retake a class that would require a retake fee prior to XX/XX/XXXX/XX/XX/XXXX. There was also never any mention when I spoke to admin that I would be charged during these events as far as I can recall. In closing, I spoke with the debt collection agency XXXX XXXX XXXX and asked them to provide paper work ( bill, account summary, paper work, etc. ) to show to legal console for advice on this matter. The paper work I received from XXXX XXXX XXXX states account balance of XXXX dollars, to make sure it wasn't an error on their part I reached out to XXXX XXXX and got a Student Account Summary and can confirm Acct. Balance and Category Balance is XXXX. Before ceasing all phone communication ( in writing from now on ) with XXXX XXXX XXXX. I asked them if they had a contract or agreement stating that I would be responsible for this charge and was met with a " XXXX XXXX has provided me with information regarding your case and no. I can not say. '' | ||||||
| 06/11/2018 | Yes |
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| I was constantly harassed with 20+ calls a day back in XX/XX/XXXX about how I need to attend their College until I finally got so fed up, I fell for their sales tactics and signed up for college in a degree program that I never was able to use. I was promised half my school would be paid for being a single parent, I was promised a job after graduating, neither of which ever happened. I had no idea what I was getting myself into but they were very good at selling me " the dream ''. Once I graduated I had almost {$70000.00} in federal student loans for an XXXX XXXX! When, if I wasn't harassed with numerous phone calls almost every 10 minutes everyday until I answered, a XXXX school in my town offers the exact same degree for {$7200.00}. Then when I graduated I was a single parent with low income. There was no way of making the huge monthly payment and then at the time became XXXX for almost a year. They constantly called me and I explained my situation that there is no way I can afford any of this, I told them I am XXXX with low to no income and they didn't care. They kept talking me into going into forbearance and not explaining to me what that meant. I remember asking numerous times what " forebearance '' meant and they would explain it buys me time with {$0.00} payments to get my life together. Never once explaining that it affects my credit, and not once ever explaining there were Income based repayment options until so much damage was done to my credit I can't have a future. They don't understand that when you aren't a professional in deal with loans, normal everyday people have no idea what they are talking about. Finally after 5 years I finally called and told them they have to do something because I will never be able to afford these payments and wanted information on forgiveness. As of XX/XX/XXXX, they finally explained this Income Based payment program and I could not believe they didn't put me in this years before. I am currently in this program now and my income is so low I make $ XXXX monthly payments. My life is not going to change, I'm almost XXXX, raising my kids, and it's not like I'm ever going to use my {$70000.00} XXXX XXXX to get some amazing job like XXXX promised me. I'm trying to take out loans to buy a family car for myself and my sons but keep getting denied because of the bad marks on my credit score from Navient not correctly explaining what programs would best help my life and my situation. I need help from someone so hopefully in the future I can have my financial life back together and provide for my children, or at least other people need to be warned about this. I wish I never answered the phone when XXXX University was harassing me with non stop calls, voicemails, and giving me sales pitch after sales pitch back in XX/XX/XXXX about how I needed to trust them and enroll in college today! It has ruined my life. | ||||||
| 05/08/2015 | Yes |
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| Payment on Private student loans is not allocated appropriately on multiple occasions. Efforts to correct errors through XXXX XXXX ( now Navient ) representatives has been met with repeated refusal. A substantial majority of the monthly payment is allocated to the private loan with the lower interest rate and the smaller principal balance. Instead, a majority of the payment should be allocated to the private loan with the larger principal balance ( which also happens to have a higher interest rate ). XXXX XXXX 's ( now Navient ) errors are consistently in the company 's favor because the allocation method used have been frequently applied so that my loan with a lower interest rate is paid off before the loan with a higher interest rate ( and larger principal balance ) In the attached documents, please note that the loan noted as " Loan XXXX '' or as " XXXX '' had an original principal balance of {$32000.00} and has a current interest rate of 3 %. The loan noted as " Loan XXXX '' or as " XXXX '' had an original balance of {$28000.00} and has a current interest rate of 2 %. For example, XXXX the attached document will show that my payment of {$430.00} on XXXX XXXX, XXXX was misallocated among the XXXX private loans within a Billing Group. {$250.00} of the total was applied to Loan XXXX with a 2 % interest rate, while only {$180.00} of the total payment was allocated to the loan Loan XXXX with a 3 % interest rate and a larger principal balance. In another of the attached documents, a portion ( {$24.00} ) of the {$51.00} payment is applied to the principal of the loan XXXX ( also known as Loan XXXX ) with the lower interest rate while none of the payment is allocated towards the loan XXXX ( also known as Loan XXXX ) with the higher interest rate. The third document shows a similar allocation error made on a payment in XXXX XXXX, XXXX. It is included as an example. There are many similar allocation errors made during the course of loan repayment The attached document is only XXXX example of this same allocation error that occurred a number of times until, after repeated requests, XXXX XXXX agreed to separate my XXXX private loans so that they are no longer in a Billing Group. After reviewing my original promissory note, I can find no justification for these loans being originally placed into a Billing Group, where they remained for almost 8 years until they were separated. I can see no benefit to me as a consumer that my loans were placed into a Billing Group ; however, the multiple allocation that XXXX XXXX made over several years did benefit XXXX XXXX in that I was prevented from paying down my private loan with the higher interest rate ( and the higher principal balance ) in a timely manner. Since this allocation error has been consistent and persistent, I believe it to be systemic and purposeful - likely impacting many borrowers. | ||||||
| 10/02/2017 | Yes |
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| Hello, I had called Navient ( my Federal Loan service provider, formerly XXXX XXXX XXXX I believe towards the end of XXXX XXXX, maybe XXXX XXXX. I called to try and get my payment lowered from {$140.00} per month. The person whom I spoke with gave me a few options to try to get it lowered and convinced me to do the re-consolidation to get a lower payment. Then, I had asked for an estimated payment or what it might look like after getting the loans reconsolidated. The gentlemen on the phone stated that it would be around {$90.00} something per month, which, would be something I could afford on top of the private student loans I am also paying back. I went ahead with this plan thinking it would be better and they went ahead an processed it, along with three months of forbearance because I was struggling to make payments on time. Flash forward a few months later, I gave Navient a call towards the middle of XXXX XXXX because I had not heard anything on the status of my application. After that, I received an e-mail of what my new payment would be in XXXX XXXX ... {$190.00}. Wow. I could not believe this. Why would anyone reconsolidate to have their payment be increased? I called Navient again. Apparently, going forward with the decision to reconsolidate was NOT the option I should 've been pushed into doing. The lady I spoke with on the phone went over my account and advised that I should NOT go forward with anymore forbearance because of all the interest that has accrued. What else was I supposed to do when I was n't able to afford payments? I told her that I was advised to do so and to reconsolidate, which she also told me I should not have done, either. I then asked, could I go back to what my plan was before?, and she said no. So, in the end, I ruined any chance of being out of financial debt any time soon. Not only could I not get out of the plan, but reconsolidating only added 10 more years onto a 10 year loan. And now, this is all a disaster. I do n't understand how a loan company could advise student loan borrowers to go through with this knowing that they are just banking on the interest they 're collecting, even when loans are in forbearance. I do n't know where else to turn, what other companies to look for or how to even qualify for loan forgiveness. It does n't seem right or fair for a company to expect payments like these, when our generation has other financial obligations like rent, groceries, credit card payments, other loan payments, a LIFE. I am not saying that I regret taking out student loans, because I would not have been afforded the wonderful and fulfilling education I received. However, if I had known then what I know now, I would n't have done so to be in the current financial loop around I am in. My feel stuck and do not know where to turn to at this point. Any advice would be greatly appreciated moving forward. | ||||||
| 12/08/2017 | Yes |
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| I sent Navient a goodwill letter regarding the late payments being reported on my credit files, also informing Navient I had XXXX XXXX around the time some of the late payments are being reported. In Navient 's response I was told retroactive deferment and forbearance processing resolved the delinquencies and past due statuses, but because the reporting I requested to be removed occurred prior to my requests they will not be able to remove the late payments from my credit report. Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA by not removing and updating the late payment statuses. Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. I respectively ask that the lates from XXXX 2016 be removed and set to current. As soon as I contacted Navient who did n't have my contact information to inform me my forbearance was ending my accounts became current. Also, Navient is continuously increasing and decreasing the balances on my accounts, deleting accounts and adding them back and this is adversely affecting my credit score. I am in the middle of financing and the frequent updates are detrimental to this process. Also, I am not sure how one can go from being current one month and the next month reflects 90-120 days late and then current again the following month. | ||||||
| 07/25/2017 | Yes |
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| I am writing to file a formal complaint on loan servicer, Navient. This complaint is based on Navients inability to provide me with correct information with my student loan and the lack of customer service that I received via phone. This complaint could be divided into the following topics : Consistency, Disclosing Information, and Customer Service. This complaint reflects Navients negligence in providing me with adequate loan servicing which could be looked as unfair and deceptive. Consistency : Over the course of three months, I have been told inconsistent and wrong information in regards to my repayment options. The first time I called Navient, the representative stated that I was ineligible to consolidate my loan or apply for any loan forgiveness plans based on the amount of my income. The representative also told me that the loan could not be refinanced being that the loan is a federal loan. I later researched and found out this was untrue. The second time I called, the representative told me that I actually could consolidate my loan and that once she entered in my information ( income of $ XXXX/year and a family of XXXX ), she then told me that I would be qualified for loan forgiveness this year and that my monthly payment amount would be {$0.00}. She instructed me to complete an application from U.S Department of Education to finalize the process. A couple of weeks after I completed the application, I received a notification that my monthly payments would be {$220.00} for twelve months. After receiving the email notification, I called Navient and was told that the previous reps have told me the wrong information and that I am on the lowest payment plan. Due to Navients pattern of providing me inconsistent and wrong information, I have lost trust with the company. Disclosing Information : I have asked over 3 Navient representatives for an amortization schedule. All of the reps have informed me that the company does not provide amortizations schedules. I have also ask a manager to send me information in regards to how much of my loan will be forgiven based off my loan consolidation. I have yet to receive any information. As a consumer understanding how each payment is allocated is important to me. I am unknowledgeable of how my payments are truly allocated due to Navients inability to provide me with my loan information Customer Service : Due to the lack of knowledge from the representatives from Navients call center, most of my calls have been escalated to upper management. I have been told from 2 managers that I would have my account reviewed and that I would be receiving a follow-up call. I have never received a call back from anyone from Navient. As a consumer, I highly dissatisfied with the service that I have received from Navient. I am asking that my account be investigated and reviewed as soon as possible. Sincerely, XXXX XXXX | ||||||
| 08/11/2016 | Yes |
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| I am XXXX. I asked for payments. They said no. I worked in XXXX 15 years and know the FDCPA, when to accept payments, and when to sue. They think I am ignorant of collection tactics and the FDCPA. I was XXXX by the State of California XXXX. I know the rules. 1 ) NAVIENT said you were not in school XXXX XXXX to XXXX XXXX so no deferment. I said check XXXX I WAS ENROLLED. 2 ) I graduated in XXXX XXXX and was already getting bills and default threats without time to try to find ANYONE who would hire someone with my XXXX, have time to start a business, or raise the money in other ways. 3 ) I OFFERED to sign a contract Navient has online - I was told those applications are only for XXXX. 4 ) If Navient defaults me, I can be sued. I can lose my apartment, other creditors will sue because Navient hits my assets. 5 ) I cant get a job or another apartment because THEY CHECK CREDIT. 6 ) I SAID I WANT TO PAY what fits my Social Security XXXX and can increase payments as I sell personal items. They said NO 7 ) They said they never got the doctor 's note I emailed them - the headers on emails do not lie, Navient does. Their representative kept me on the telephone until he verified they received the email and downloaded the PDF document of the doctor 's noted. I have the date, time, and person 's name from that ay on the phone AND HE gave me the email address of Navient 's XXXX advocate. 8 ) I told Navient if I am unemployable, have a limited income, and rendered homeless, HOW CAN I PAY what they want when I COULD HAVE BEEN paying all along? 9 ) Navient has never said, you can consolidate he private loans. I get MANY CALLS DAILY and US mail letters. I remember rules in the FDCPA about dunning and the amount of calls per day. Navient is an omnipotent entity - they feel they are except when it comes to the law, and they are woefully ignorant that SOME MONEY is better than NO money 10 ) although Social Security has affirmed I am XXXX, why does n't Navient think I am XXXX enough? They use XXXX to " determine '' who is an IS NOT XXXX? 11 ) It is odd that collusion between Navient and XXXX insurance company is the acceptable format in deciding the extent of XXXX. 12 ) Thee is NOTHING anyone can say or do because Navient has us by the throat - we do what THEY want, WHEN they want, or they will ruin our chance or employment via bad credit, ruin chances to rent an apartment vi bad credit, and NOT have to go bankrupt on all other creditors. 13 ) Per credit and collection classes I had in XXXX, certain things creditors do force individuals into " an act of bankruptcy '' ( favoring XXXX creditor over another ) PLEASE HELP. I WANT to pay, Navient says NO, you can not. Why ca n't I consolidate the private loans and avoid dozens of phone calls per week and many hard copy mail duns per month? Thank you, A XXXX person according o doctors and Social Security | ||||||
| 12/27/2017 | Yes |
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| On XX/XX/XXXX, I went back to college to finish my degree. At that time, Navient was contacted with the information that I am enrolled as a XXXX XXXX XXXX with XXXX XXXX XXXX. My loans ( a total of 4 ) where then put into deferment with an end date of XX/XX/XXXX. InXX/XX/XXXX Navient sent correspondence to the cosigner on one of my loans about a payment due. I then called Navient and spoke with them about the loan being in deferment as I have gone back to school. There was no contact or correspondence received by them untilXX/XX/XXXX, when they started calling and sending my cosigner payment reminders again. I then called Navient again to speak to them about this correspondence and the deferment, and to let them know that my cosigner ( who is my grandmother ) XXXX XXXX on XX/XX/XXXX and to not contact her anymore. I was told at that time, that the loan in question is a private student loan and has an interest only payment due and that a 100 % deferment is not an option as it is a private student loan. Navient never explained to me that this loan was not 100 % deferred, nor that it would have an interest only payment due while I went back to school. It appears to me that Navients business practices are deceptive and underhanded. I was never informed an interest only payment when I spoke with them back in XXXX, but was told all loans are in deferment. Then onXX/XX/XXXX, my grandfather received a call from a XXXX XXXX XXXX, identifying themselves as a collection agency and that they are trying to collect on a student loan that my XXXX grandmother ( cosigner ) cosigned on. My grandfather explained that the debtor is XXXX and to not call again. XXXX XXXX XXXX XXXX advised him that they would put a claim in with the estate for the debt to be paid. My grandfather explained at that time that there is no estate. OnXX/XX/XXXX, two letters were received in the mail from XXXX XXXX XXXX asking for the representative, executor or attorney who is handling the XXXX estate. One letter is for the collection of the private student loan that Navient states interest only payments are due while I 'm in school, and the other is for another student loan that is in deferment until XX/XX/XXXX. I see a couple of unethical issues with Navients business practices. 1. As the primary account holder on these loans, I have not received any correspondence from Navient indicating that my accounts that are in deferment where going to collections? 2. Why is Navient sending in school deferment loans to collections? 3. Harrasing a XXXX spouse after being told there is no estate and being sent a copy of the XXXX XXXX. 4. I am a single mother and have repeatedly have tried to with Navient on repayment plans and in school deferments. Navient has received my monthly income and debts, and has acknowledged that I am negative after my daily living expenses and debts are paid. | ||||||
| 09/22/2017 | Yes |
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| Hello my name is XXXX XXXX. I was behind on my student loan payments, because of medical issues with my daughter and myself. I called Navient to see what my options are to help me get back to an even balance. I entered into an agreement with Navient to be put on to an automatic withdraw to get me caught up. A number of months later my parents made a large payment to Navient, because of the XXXX of my grandparents and the inheritance they received, to bring my balance " current '' or back to XXXX. I continued to still make my monthly payments in accordance with the agreement as my monthly payment. For months my amount due has been XXXX, but i still have had my bank account withdrawn for the same amount. I called customer service to dispute the latest payment that was automatically withdrawn, and to see if I could get a refund. " This is not an option, because i entered into an agreement '' the customer service XXXX told me. The only option was to withdraw from the agreement for future payments. Needless to say I was upset. I know that I entered into an agreement with Navient, but the agreement was unclear at best. The agreement didnt end when my balance was current it was for an amount of time. I believe this is unfair to me, not because of the agreement, but because of the lack of information available to me about this agreement When calling customer services the automated message as well as the representatives continuously say you can visit XXXX for more information. This is untrue. After being on the website for hours, I was unable to find any information regarding my agreement, that I was on an automatic payment ( even though I had the option to enroll in automatic payment for the same loan ), There isnt even access to a future payment schedule outlining payments that are due and the amount. The only information on the website was my past payments and my current amount due, along with repayment options, and limited account summery. I believe I have been misled into this agreement. I would have taken the option to withdraw from this agreement months ago if I had any information made easily available to me regarding my agreement, payment plan, upcoming scheduled payments, but I couldnt find any of this information. I believe Navient is being intentionally vague, misleading, and making it extremely difficult to find important information. Navient does not care about their customers. I believe Navient is the biggest deterrent to the pursuit of higher education. This is even having me consider not sending my XXXX and XXXX XXXX XXXX daughters to collage unless they have a job that provides tuition reimbursement, because what little I am able to save for their collage, will not be enough. Im not writing this just for myself but for the countless others that could be struggling with the same problems I am. Thank you for your time. XXXX XXXX | ||||||
| 10/28/2022 | Yes |
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| It's hard to describe just how miserable Sallie Mae/Navient has made me, but I will do my best. In XXXX of XXXX, I was still newly married, but I had no job. My wife had just begun her career as a nurse, and we had our first child on the way. With financial pressures building up, I responded to an offer that I had received in the mail from Sallie Mae. Promising the convenience of lower payments, interest free deferments, and generally a much simpler process for paying our student loans, we immediately moved forward with consolidating our loans together. My wife had graduated from college with {$31000.00} in debt, and I was struggling to pay the balance from my year and a half in college, which amounted to {$26000.00}. This was without even having a degree to show for it. We did our best to make our payments ; There were times when we had to use the deferments due to economic hardship. I was either unemployed or underemployed for most of my twenties. But we did make payments, a lot of them. However, the payments, along with our other consumer debt, drove us to bankruptcy in XXXX. Every one of our credit cards was paid off because of this, and our total settlement fee was around {$2500.00}. What I noticed as I was going through our paperwork, that a portion of our settlement went to all of our creditors- including Sallie Mae. This seemed odd to me, since our loan with Sallie Mae was not discharged. It was our largest debt, and the payment had ballooned to more than our mortgage, as did the balance of the loan. But Sallie Mae STILL got almost half of our entire settlement for our bankruptcy. With capitalized interest, our student loan was increasing despite every payment that we made, and the payoff date kept moving further and further away. As of this writing, our payoff date is now XXXX of XXXX, when my wife and I will be almost XXXX years old. That means the loan itself will be XXXX years old by the time it is paid off - the same age as my oldest son, who by then will have been out of college for close to 13 years. I'm sure my story is not unique. What happened was Sallie Mae ( and Navient ) were deceptive and predatory, coercing my wife and I to sign on to a loan that is impossible to pay off, and when we were under extreme duress to the point of bankruptcy, they took money from our settlement payment even though they were not being discharged like every one of our other debts. The fact that we are supposed to pay for a loan until our children have graduated from college themselves, is robbing us from being able to plan for our future, but also makes it difficult to make ends meet some months. We were lead to believe that they were going to make our lives easier ; instead, they have chained us to a loan that is sinking us financially. A choice I made when I was XXXX should not affect my life until I am nearing XXXX age. | ||||||
| 07/17/2019 | Yes |
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| XX/XX/XXXX : I called to report financial hardship. I was placed on forbearance without informing me what they were doing, this later ended in crisis in XX/XX/XXXX by having to pay {$900.00} in interest alone. 1st.- After my call with NAVIENT on XX/XX/XXXX in regard to the request of changing my plan, the Representative redirected me to the Federal Aid website for the application. The Representative NEVER mentioned she was going to place my account on Forbearance, NEVER mentioned that this will recruit a high amount of interest. Navient has many issues related to the hidden information of their plans to its borrowers as this has happened with my account. After I was directed from Navient to the Federal Student Aid website, I submitted my Income with taxes. In fact, they required my wife to open an account for verification purposes. So, during my application on their website, I submitted my proof of income through the FSA websites. I never received any further communication from Navient asking for my Income whatsoever. 2nd When I called Navient on XX/XX/XXXX to request information for my new application for XXXX, the Navient Representative changed my status without my authorization and my knowledge. I noticed this change when I received a direct email from my Navient account that this change was made on my account. I called to report to this representative the same day I received the notification, but no one helped me to file a claim against the representative who did change my status without my consent. So, I would like to take the opportunity to request you how I can report this agent and I would like to also make a copy of this report to the Federal Student Aid agency since this was very arbitrary. I have attached to this request the ONLY NOTIFICATION received in XXXX when I requested to apply for Income-Driven Plan, but they placed me on Forbearance. And they said it is my fault because I did not send proof of Income, which is not true because The Federal Student Aid department was the one who asked me to do it for the application and I did it with them, I NEVER received a notification from Navient after XX/XX/XXXX asking for proof of my income. My application for the Income-Driven Plan was through FSA. I also attached the notification I received from Navient on XX/XX/XXXX after a Navient representative placed on Forbearance without my knowledge and consent. I noticed this change after I received the notification and made a call to Navient for correction. As you can see, there is an arbitrary behavior to place students on Forbearance without their previous knowledge. I would like Navient to provide the agents name who did this to my account and make a complaint in regard to this situation as well. Please, do not allow Navient to investigate themselves. They are going to cover their failures with excuses and blaming the student | ||||||
| 02/26/2019 | Yes |
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| I had problems making payments on time and getting correct information about additional repayment plan options. Hi, I need help urgently. Ive was with Sallie Mae prior to XXXX and Navient since about XXXX. Ive worked full-time for a non-profit since XX/XX/XXXX. Ive had major difficulties with Navient since my loans were switched to Navient in or around XXXX to XXXX. My question : Why did they not immediately advise me to switch to a direct loan and/or Public Service Loan Program back in XXXX? Although they have documented over 60 on-time IBR payments on time since XXXX I was originally setup prior for IBR prior to XXXX, however, Navient made several critical processing errors in subsequent years, I believe in order to revoke and extend my IBR plan beyond the 20 to 25 years as required in order to apply for forgiveness. Even after many phone calls explaining to them that I had submitted my IBR request in XXXX of the prior year, when renewal was scheduled for XXXX the following year, they not only did not process my paperwork on time, which caused in accurate bank transfer collection but also caused inaccurate reporting of on time payments. These one-time charged were in amounts of over {$500.00} and over {$1600.00}. They didnt even send me an email prior to sending the payment requests? Their incompetence and I believe fraudulent activity, not only caused me be farther behind payments on my IBR program, they also flat out lied to me when I asked them if there was another payment program relating to my employment with a non-profit 501 ( c ) 3. They said I did not qualify without even directing me to the proper federal government website in order to confirm what they were saying. They also didnt even consider asking me for my employers non-profit status and/or contact information to verify the status of my employment. Im under the assumption that there are recorded phone messages that will corroborate these statements as I had spent many hours on the phone with Navient arguing as to why my annual IBR applications were delayed by over 3-months on several different occasions/years. I really need advice on how to proceed and how to find a suitable way to correct these violations to my rights. Im also, is in the process of working with Docusign to apply for a Direct consolidation loan in order to qualify for the Public Service Loan Forgiveness Program requiring 120 months of on time payments, however I dont know if hey will advise me on my rights to obtain retroactive IBR payment credits that can be applied to a Direct Public Serice Loan Forgiveness program, as Navient is an official government approved loan servicing provider. Navient has documented over 60 on-time payments, however I believe the number should have been much higher, closer to between 90 & 100 payments. Sincerely, XXXX XXXX XXXX of XXXX XXXX | ||||||
| 06/20/2018 | Yes |
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| The issue I have with my student loan processor, Navient, is that they black listed my bank account and I am unable to enroll in auto-pay or make payments from my new checking account. I have repeatedly called Navient customer service to resolve this issue with the sole result of being completely ignored and without any followup. I have gone so far as to have my bank fax a form confirming the routing number, account number, my name and my Navient account number to Navient with no successful resolution. Here 's the details : In early XX/XX/XXXX, between XX/XX/XXXX and XX/XX/XXXX, I moved my personal checking account to a new bank ( XXXX XXXX XXXX ). Shortly thereafter logged into Navient to set up Auto-pay with the new bank account info. The following month I received an email from Navient stating may payment was passed due. I called customer service, and was able to make a payment over the phone from my XXXX account to bring the account current, and then try to set up auto-pay again. So after that call I went in to add my XXXX account again for auto-pay. A month later I received another payment past-due notice. Again I called customer service to try and resolve this issue. This time the company representative tried set up the auto-pay on her end and was unable to. She received an error stating that " the company received a returned transaction '' from my that combination of routing number and account number, and it was not accepting it anymore. However, The CSR was able to verify that there was an existing transaction on record ( from my previous month 's payment ) from that same bank account. She said she was going to put in a request to investigate the issue and have the company follow up. I never got a response from them or a follow up call. At this point the past due statements notices start coming in. I have made 4 additional call in the following 3 months trying to get this resolved. Each time the representative said I had to provide a statement from the bank to validate my bank account, even though they had a valid transaction in their system. 2 weeks ago I asked to speak with a supervisor, who told me she was going to follow up with me within 2 days. Never heard back from her. On XX/XX/XXXX, I took off early from work to go my bank and had them fax a form that showed my full name, Routing number, Account number and Navient account number ( for reference ). On XX/XX/XXXX ( today ) I called Navient to follow up on the fax, hoping this would finally resolve the issue. I was told by the CSR ( XXXX ) that although they received the fax, it wasn't a proper letter stating that my account was valid. They would accept a form. When I asked to speak to a manager or superviser, I was left to stay on hold for 30 minutes and then told one was not currently available and the best they could do was have someone call me back later. | ||||||
| 02/02/2022 | Yes |
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| I have gotten two students loans in the past from two school, one I graduated for the amount of {$20000.00} from XXXX. My school closed after one year. I was making payments to Navient. I got another student loans went to XXXX school from XXXX to XXXX, but I did not finished for the amount of {$16000.00}. I started paying that as well each month. Navient later offered income driven payment as my monthly payment was very high and I could not pay. I was making payments, Total amount in the system at Navient shown I owe total of {$33000.00}. I kept making payments under income driven payment. Pandemic showed up, I was in forbearance, I still decided to pay at least {$50.00} since then. Here we go recently Navient changed to XXXX XXXX, I made copies of all my loans before they transfer. I had one student loan from XXXXXXXX XXXX XXXXXXXX college back on XXXX for the amount of {$2000.00} and that was paid fully before Navient change to XXXX XXXX I am now looking at Navient website and they telling me I owe them {$1400.00} something $ $ $ and the rest of my loans has been transferred to XXXX XXXX for the total of {$29000.00} something ... Before Navient change to XXXX XXXX I was told I am eligible for student forgiveness since my school closed after I graduated. I did applied for Borrower defense and sent forms to them regarding that. I can not reach out to them and nobody answer the phone, nor chat lines to see what is my status on that! I contacted Navient regarding the {$1400.00} something $ $ $ and they are telling me is a commercial loans! I never took any other loans except federal loans and I thought all my loans was what transferred to XXXX XXXX. I have balance now in Navient for {$1400.00} $ $ $ which I do not know what that is, however I made payments before transfer and I also have balance in XXXX XXXX!! Navient did not transfer this amount and telling me it's commercial loans whatever .... I do not understand what it is! They are charging me for something extra and there is no evidence of anything.. I believe they are taking advantage and now XXXX XXXX is trying to take ADVANTAGE for sure on top. So this is really confusing and nobody can explain to me why all these loans keep transferring and all these money I paid all this times, my balance never went down, except going up!!!! I need an answer. I am NOT going make any payments to NONE of these companies no more until this resolved! This is fraud and nobody has a good explanation. I am sure I am eligible for my loans to be cancels and it better because I am not sure what are these extra charges!! I am NOT going to pay two loan companies and apply for income base for nothing as I did paid enough to them and they owe me money now. Please investigate and look into this as I am sure many getting ripped off by these companies. This is fraud. Please Advise! Thanks! XXXX | ||||||
| 04/14/2021 | Yes |
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| XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to document significant issues with my current student loans and request remedy. I should not have to stay with a variable interest rate. I have attempted to apply repeatedly to a lower interest rate. I have been continuously denied with no explanation as to why. When I call customer service, they ask me questions regarding income, and then tell me that I was denied, but they do not state why. When I have asked, they have stated that they are not sure why, I was just denied. I have never missed a payment, my lowest credit score is XXXX, and I have excellent credit history across every account I have had with any company. I deserve a fixed interest rate at a lower percentage. The amount that I owe now is more than four times the original principal, despite the fact that I only completed my education and licensure in the fall. I feel preyed upon and Navient will not offer any remedy, despite multiple attempts to work with them ( email exchange with Navient attached ). I took out {$46000.00} in student loans at age XXXX to pay for school expenses including books and tuition. I assumed that there would be some interest, but I didnt understand what a variable rate was and the impact that this purchase would have on my well being and livelihood. I am currently a licensed XXXX XXXX and I have to work five jobs to pay my monthly payment. The interest only payment is approximately {$2100.00}. I have to pay above the interest to make even the slightest dent in my principal. As a result, I work a full-time job Monday through Friday, and four part time jobs including XXXX at two separate universitys and doing XXXX XXXX at two separate companies. This is not a sustainable practice, I am often exhausted and unable to properly care for myself and my family, I am also a mother. I have reached out to Navient multiple times regard additional payment options. I was denied twice via telephone and once via email for loan refinancing. The person I spoke with was unable to state why I did not meet the requirements for loan refinancing, they stated that they enter my information into the system and are provided with the options. The people I spoke with were also unable to tell me what had to be done in order for me to meet loan refinancing requirements with Navient. Additionally, I contacted Navient and was notified that they are unable to modify or settle any of my loans for a lesser value. Principal Current balance Variable interest rate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This student loan experience is overwhelming. I am hopeful that, with your assistance and advocacy, I can have a reasonable monthly payment and pay off the principal I owe rather than extreme interest. Respectfully, XXXX XXXX | ||||||
| 06/24/2019 | Yes |
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Web | Older American |
| I asked for in school deferment as I had two XXXX online courses - the one with XXXX was the only one I requested to be considered. Navient was slow in sending the forms after they agreed to send them in XXXX - the course ran from XX/XX/XXXX to XX/XX/XXXX. In XXXX they finally sent the forms which I promptly filled out and sent back to them. They have never responded about the disposition of my request, instead they continue to demand payment even as I have sent them a payment - {$50.00} XX/XX/XXXX - and am send another today, as I have agreed to do since XXXX. Now Navient is threatening Litigation with their legal network partner ( unnamed ). XXXX XXXX - VP of XXXX XXXX XXXX appears to not recognize that I have agreed to continue making payments. This has become so typical of Navient 's total disregard for my responses, requests, and remittances. Furthermore, over the years there has been a complete unwillingness to provide year to date total of payments made. Their unwillingness to be transparent makes coming to any settlement, which they offered at a 90 % payback on approx. {$3600.00} is not possible for me at this time and is greatly beyond what most creditors would conisder a " mutually discomfortable '' arrangement. Attached below is a recent Navient notice XXXX XXXX, here 's a friendly reminder that your Monthly Payment is due soon. This is not a bill. Your Monthly Payment ( s ) for the private loan ( s ) listed below is due on XX/XX/XXXX: XXXX XXXX in the amount of {$390.00}. Please note that this email does not include all information depicted on your statement. We highly encourage you to review the entire document by logging in to your account, as it has additional pertinent information related to your loans. You can view and print your monthly billing statement ( s ) by accessing your inbox. Ways you can pay Online : The fastest way to make a payment is by visiting Navient.com. With our mobile site, it's easy to pay on your smartphone, too. By phone : Call us at XXXX. If you are enrolled in Auto Pay the amount shown on your statement will be debited from your designated bank account. We're here to help Visit us online or give us a call at XXXX, Monday - Thursday XXXX XXXX to XXXX XXXX, and Friday XXXX XXXX to XXXX XXXX, ET. 1The payment amount ( s ) listed above reflects the amount due as of the date of this email. Please log in to your account at Navient.com to view your minimum payment due. Please do not respond to this automated message. Emails sent to this address are not monitored. Privacy | Terms of Use 2018 Navient Solutions , LLC . All rights reserved. Navient and the Navient logo are registered service marks of Navient Solutions , LLC . Navient Corporation and its subsidiaries, including Navient Solutions, LLC, are not sponsored by or agencies of the United States of America. XXXX XXXX | ||||||
| 01/22/2017 | Yes |
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| I did sign for a PLUS loan for my sons tuition. The PLUS loan was pushed by the schools representative. After I signed the original loan document, my son somehow got XXXX more loans under this same loan agreement ; in addition to XXXX other private loans which are being dealt with separately. After graduation, my son dealt with NAVIENT, XXXX XXXX, XXXX XXXX, or whatever name they go under at the time. NAVIENT allowed my son to do a loan consolidation, and XXXX loan rehabilitations, all without my consent or knowledge. Of course all of these added to the balance of the loan. Finally ; after NAVIENT lost track of where my son was living, they started contacting me about paying the loan. By now ; with all of the transactions that they made with my son, they had the balance to over $ XXXX-dollars. I contacted their offices several times attempting to get some explanation of the charges that they were billing me for. I have XXXX sons that have student loans and I had no idea of what loan this was or even who the loan belonged to. It took several months, and a statement from me calling this a fraudulent collection attempt, for them to supply me with a signed loan document so that I could identify what loan they were referencing. After I was supplied with the signed loan document, I continued to contact the NAVIENT offices to get further clarification on the additional charges, including the additional loans, loan consolidation, and loan rehabilitations, as I had not authorized any of these. I received very little cooperation from NAVIENT. The most that they would do is repeatedly send me typed documents with the charges listed. Finally ; after threats of wage garnishments, I had entered into an agreement to make monthly payments to NAVIENT to avoid the wage garnishment. But ; before the agreement reached whatever office for final approval, NAVIENT proceeded with a wage garnishment through their collection agency, GENERAL REVENUE CORPORATION. I admit to owing the original loan, and I continue to propose reasonable repayment offers ; But I receive zero cooperation from NAVIENT or GENERAL REVENUE CORPORATION. The only reply from NAVIENT is that they refuse to negotiate loan settlements. I feel that NAVIENT fraudulently negotiated additional loans, consolidations, and rehabilitations with my son without my consent, driving up the balance on the loan, and now they are refusing to accept any liability for their actions, and refusing to negotiate a reasonable repayment arrangement. I am attempting to come to a reasonable resolution on this matter before I retire from my job ; But NAVIENT and GENERAL REVENUE CORPORATION seems to be more interested in dragging out wage garnishments for years on end rather than negotiating reasonable repayment settlements. I feel that the Federal Government should step in to recover the Federal Student Aid funds. | ||||||
| 09/16/2016 | Yes |
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| I graduated in 2009 from XXXX XXXX XXXX in XXXX NY. Ever since then, I 've been unable to find a job. I 've had multiple interviews only to be turned away because I ca n't get the experience. While I was going to XXXX XXXX, we were being taught outdated material, using outdated books in outdated software. I went for 3 years and acquired XXXX XXXX degrees. I had attempted my XXXX in their online courses for about 9 months and decided that it was n't for me. By the time all was said and done, I had accumulated over {$100000.00} in debt between my Federal, Dept of Ed and Private loans all the while not being able to find a job, living paycheck to paycheck working manual labor jobs. I 'm still in a position where, although I work in XXXX all day ( not my ideal job ), it 's a contract position that could end any moment working at {$12.00} an hour. That being said, I 've been forced under threat of litigation by my private loan lenders to pay over {$400.00} a month to just 1 loan, not including the other private, fed or dept of ed loans. It took me a year and a half, almost 2, to get them down this low in payments. During one phone call, which my father can attest to, I was given 3 months of forbearance during a time that I was unemployed. When I asked the woman on the other end if by the end of the 3 months I still do n't have a job, what should I do? She casually replied with no remorse " I suggest you pay the loan ''. As if to say that there was absolutely nothing she could do and she could care less how I do it. I can barely make ends meet, my car needs fixing, and I 've been forced to live at home because I ca n't make enough to live on my own, let alone pay these outrageous loans at 7.5 % average interest rate. Although I have much respect for the teachers I had, my education was a sham and I do n't know about you guys, but {$100000.00} is more than most ivy league schools, but at least with them you come out with a masters with that kind of money. I even went to the Career Services department that the school provided to help students find jobs, along with my father again as a witness, and was literally told to look on the same websites I had been using for years prior to that meeting. No attempt was made to even make an effort to help me. At that point I was left wondering what the XXXX I was paying for? With the recent shutdown of XXXX XXXX, I 'm seeking retribution and I 'm happy to watch them collapse. I 'm tired of being pushed around, I 'm sick of being in debt to a school that is literally robbing me and I just want to live my life. I just want to be happy for once without the burden of knowing that someone out there is taking all of my money. I do n't know if this will make a difference but I have to try something. I 'm submitting this under the federal loan section but my private loans are part of this too. Please help me. | ||||||
| 01/22/2021 | Yes |
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| XX/XX/2021 By the name XXXX XXXX contacted my wife 's phone from XXXX at XXXX XXXX and left a message. In that message she spoke very fast and not every word was spoken clearly ; however, she left personal information ; my full name, my age, full DOB and full address. My wife 's phone does not have a personal voicemail message, so she had no clue who she was even leaving the message for. She also left this full message on XXXX of my daughter 's voicemails as well. She is contacting and give all my personal information to several people. After reviewing the message several times I believe the company 's name is MSB or could be MSV. She left a message threatening that she is in arbitration process incentive division and that I have a case number with XXXX XXXX. The case number she left on my wife 's phone is different then the one she left with my daughter. The phone number that she left on both voicemails was the same XXXX. She stated she will be contacting all employers, anyone that is close to me, all locations and this is in recovery for rewards for all assets including properties, vehicles and bank accounts. Then she stated thank you, good luck. If this is in fact a collection account of some sort, contacting people and giving/leaving my personal information is harassment. They are in violation of Fair Debt Collection Practices Act ( FDCPA ) and threatening to contact an employer and sharing information improperly, and improper communication tactics. Under federal law, a debt collector may contact other people but generally only to find out how to contact you and they are not following this law with giving out my personal information. Fair Debt Collection Practices Act ( FDCPA ) 807. False or misleading representations ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; Contact me on my phone with a phone number that I have had for over 10 years and let me know what it is for. | ||||||
| 08/21/2017 | Yes |
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| I have tried a number of times to resolve this issue with the creditor Navient to no avail. They are reporting 6 late payments on each one of my 3 loans out of their office from the months ofXX/XX/XXXX - XX/XX/XXXX causing me to have 18 late payments reporting on my credit report despite any proof that I was in the repayment phase of my loan. According to official records obtained from the XXXX XXXX XXXX XXXX XXXX there is nothing to show that I was in the repayment phase for the period of time reporting late. On the contrary, the XXXX documents show that I entered repayment XX/XX/XXXX and forbearance the very next month XX/XX/XXXX where my account status remained until XX/XX/XXXX when my account went into repayment status again. This information is verified and supported by my account activity pulled from Navient 's website ( which i have attached to this complaint ). Under Fair Credit Reporting Act Section 623 Navient has a responsibility to furnish accurate information, investigate claims of inaccuracies, and update information determined to be inaccurate. I have included an excerpt of the section of the FCRA that has been violated by the inaccuracies being reported by Navient. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. | ||||||
| 05/03/2018 | Yes |
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| When I graduated from XXXX XXXX inXX/XX/XXXX with a XXXX XXXX XXXX Degree, I as advised by my loan servicer ( not sure if it was Navient at the time ), I did not have to repay loans because I was still a student. At this time, I enrolled in and was accepted into a graduate program at XXXX XXXX. No customer service representative ever offered any advice on repaying the loan, loan forgiveness or interest accruing as the result of non-payment. At this time, my outstanding loan balance was approximately 10-12k. Upon graduating with a XXXX Degree from XXXX XXXX in XX/XX/XXXX, I began paying student loans with standard repayment plan of approximately $ 200-225 per month. At this time, by outstanding balance and repayment amount stood around 40k ( 10-12 for undergraduate, XXXX for graduate tuition and the remaining in interest ). After approximately two years of payments, I suffered a financial difficulty and began paying sporadically, but bringing my account current when I could make the past due amounts. I was contacted by Navient and offered forbearance, which eliminated my payments on a year-to-year basis, provided I reapplied every summer with my tax return. Each year, a customer service representative informed me I qualified for a XXXX-dollar repayment plan. No customer service representative ever offered a low-dollar income-based repayment plan. My profession at the time involved XXXX XXXX where I later found out paying consistently for ten years, at my original payment ( 200-225 per month ) would have eliminated my remaining loan balance. Therefore, paying {$200.00} per month for ten years, would have paid back close to 24k of the loan. As of today, XX/XX/XXXX, .my outstanding student loan balance repayment is {$67000.00}. My current minimum balance due sits at {$640.00}. My account sat in forbearance until XX/XX/XXXX, when I started making minimum payments once again to Navient. When I began making minimum payments in XX/XX/XXXX my outstanding loan sat at around {$68000.00}. To date, I made six payments totaling {$3900.00}, to reduce my loan balance less than {$1000.00}. I pay on four different loans, two subsidized and two unsubsidized. Due to Navients predatory lending practices, I am less marketable as a consumer because my credit score is affected by my inability to pay at certain times, when best customer service practice suggests I should have been steered towards loan forgiveness based upon my employment in XXXX XXXX. Had Navient followed proper channels, I would be year nine of ten in my loan forgiveness program. Second, I recently attempted to refinance my home but was denied citing specifically my outstanding student loans destroyed my debit to income ratio. Therefore, due to Navients negligence, I can not position myself as a consumer and single-father of XXXX boys to most cost-effectively provide for my family. | ||||||
| 04/11/2019 | Yes |
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| My first interaction with my loan servicer was a phone call in regards to a drop in my credit score due to a missed payment ( which was my very first payment ). I was in school less than half time as I was unaware my repayment period had begun. I had no knowledge of the repayment period and was not contacted by Navient. My phone number has been the same for 12 years but I did not receive a phone call in regards to repayment. They did not have my current mailing address on file, which I had explained to the representative on the phone I had moved recently. I was told nothing could be done. Another issue I have experienced is the understanding of repayment. My loan servicer placed me on a repayment that was extremely high. I explained that the payments were too high for me to afford, as I now incur a very high-interest rate because of this discrepancy on my credit. I sent in a letter requesting this discrepancy be removed since I had no knowledge of repayment ( sent on XX/XX/XXXX ). My contact information had not been updated, phone number nor address. I had not received any contact back in the 30 days that they have received the letter nor their decision in the matter. I was told by the first representative that my loans would be in forbearance until XXXX so I could submit the application for income-driven repayment. I uploaded proof of income as well as Income-driven repayment application ( I completed on XX/XX/XXXX ). I called back a second time on XX/XX/XXXX to affirm my documents have been received. I then again was assured that my repayment period was in XXXX. I received email " snapshots of my monthly statement '' stating that my repayment was XX/XX/XXXX. On XX/XX/XXXX I see my credit has dropped XXXX points due to a remark " Payment deferment '' being removed from my credit report. I called Navient ( on XX/XX/XXXX ) to find out why forbearance has been removed from my account when I was told by two representatives XXXX would be repayment period would begin. The representative hung up after I claimed I was misinformed twice by two different representatives. I called back and was told that there was no evidence as to my repayment beginning in XXXX. I was told that the repayment period was actually in XXXX and that is all they could provide. I was never told/emailed any due date regarding XXXX. I proceeded to ask for the call recordings as I feel my loan servicer is being deceitful and unclear regarding due dates. I feel that I am being misled, misinformed, and taken advantage of by my loan servicer. I now incur very high-interest rates due to the missed payments from Navient. I wish to have clarity and transparency into the repayment period. I will attach the emails received from Navient stating my repayment due date was in XXXX. I will also attach evidence from my Navient account stating my due date is XX/XX/XXXX. | ||||||
| 07/31/2017 | Yes |
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| I attended XXXX University in Fall XX/XX/XXXX-Spring XX/XX/XXXX. To pay tuition and help with expenses, I took out a XXXX XXXX Signature Loan from XXXX XXXX. I ended up getting a job offer from XXXX in XX/XX/XXXX and never attended classes at XXXX University in the Spring semester. XXXX XXXX paid the school and XXXX accepted the money against my wishes. I went into repayment and paid my loans until I was laid off in XX/XX/XXXX. At that point I began to use economic forbearances until I was no longer allowed to do so, at which point I was unable to pay. I received harassing calls from Cell Phone numbers requesting payment which I was unwilling to give to a cell phone and unable to give due to economic circumstances. In XX/XX/XXXX my situation improved and I received a good paying job. I tried to get in touch with XXXX XXXX but was completely unable to do so. In Fall of XX/XX/XXXX I returned to school on a part time basis. I remembered that this should qualify me for an in-school forbearance, and so I signed into my XXXX XXXX account. Fortunately my loans were not defaulted! I could not request forbearance through their system any longer, but I could contact them. I sent them a message through their system informing them that I had returned to school and was seeking in-school forbearance. I also contacted their provided phone number and was sent to an answering machine. I left a message. I never heard back through either e-mail or phone. In XX/XX/XXXX, I was informed that my student loan debt was now Navient Solutions. I assumed that Navient Solutions knew that I was back in school and had automatically deferred my payments because I never heard anything else from them. In Spring XX/XX/XXXX I was informed that my loans had defaulted. I was offered a very nice settlement offer, but unfortunately I was unable to take it at the time. In XX/XX/XXXX, I was sent another message letting me know that my debt belonged to a company called " XXXX '' and they expect full repayment. They gave me the options to dispute the debt in writing, which I did. This debt should not be defaulted as I am and have been in school on a part time basis for the past 4 years. On XX/XX/XXXX I received a response of a single promissory note from XX/XX/XXXX with a note that " We are confident that all your questions should be answered by the enclosed documentation ''. I also received letters letting me know that these loans would be sent to law firm. The letter says that if I have until XX/XX/XXXX to respond, but when I tried to call the number provided I was once again sent to an answering machine. I left a message but have not heard back. I filed a complaint with the CFPB against XXXX, but they replied that they are not to blame and that Navient and XXXX XXXX are to blame. Now I 'm writing to you again, this time with Navient as the recipient of the complaint. | ||||||
| 01/18/2017 | Yes |
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| I received the original notification from Navient that it was time to begin making repayments on my Student Loans. I knew that was to be expected and planned to do so when I completed my degree, but I had no idea how high the payments would be because the interest alone. I contacted Navient to discuss options and explained to them, there was no way I could pay that much at a time every month going forward, not and pay my bills. The payments were outrageous and cost prohibitive!! Navient said my only option was to consolidate. I went through the consolidation process and set up automatic recurring payments with Navient so they could begin taking automatic withdrawals from my bank account. However, in order to get a payment I could afford I had to stretch out my loan repayments until the end of time - I will be XXXX years old before I can get it paid off and I will have paid over {$40000.00} in interest alone - interest! To make matters worse, I wound up having to take some additional classes. I expected the payments to continue as it had been stated they would and could not stop once the cycle was set in place. Navient stopped withdrawing my payments when my courses began. I contacted them and told them I did n't want the payments to stop because I did n't want the interest to build any further as the interest was more than my loans already!!! Navient said the payments would not resume until I was done with my classes and it cycled up again. I told them I was not happy about that and had set up the payments knowing and expecting them to continue. I have continued making my scheduled payments ever since. I would have liked to go on to get a XXXX degree - but there is no way. The decision to advance my career and get ahead - to be able to afford life is a pipe dream and a scam. Student loans are great, but I gave my degree to loan sharks who only find ways to reap more interest out of me. ALSO - I have a loan amount that is a Consolidated - Subsidized loan. It is {$850.00} at this time. I ca n't just go to that one and pay it off in addition to my monthly payments that includes a much, much larger Consolidated Unsubsidized amount. I would love to cut off that chunk and at least stop the interest on it. **I am afraid to make any additional payments to any of it because I know my husband has had to prove his payments to Navient on more than two occasions because they were not crediting his payments correctly. I do n't want to deviate from their payment plan when I am able to pay more towards my balance for fear they will lose track of my extra payments and I will just be out the money. This has been a very frustrating and costly experience and I am still held back from going further by my student loan debt. Student loans are just another way to steal from and take advantage of those trying to better themselves in the job market. | ||||||
| 12/10/2020 | Yes |
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| It is my third complaint on Navient. Navient has been calling me and emailing me, begging me to talk to them. I didn't want to talk to them because anytime I speak to them, it's always my one after another 's worst experience. They were recently begging in an email, leaving threatening voice mails on my phone, and contacting anyone they think are my relatives, including anyone related to my cosigner. On Tuesday, XX/XX/XXXX, they sent me an email that said they got some excellent offers to settle the loan and release my cosigner. After I finally contact them, I got a chance to speak to this lady name Ms. XXXX. Ms. XXXX has also been leaving threatening voice mails on my phone, my cosigner phone, and anyone they think related to me or my cosigner for two weeks. Notice me or my cosigner never gave them anyone 's number for references. I think they buy people 's information illegally online and then start calling them. So, when I finally talk to Ms. XXXX, there was no reasonable offer. The email was a trick to get me on the phone with them. When I refused the unrealistic offer, they made for settlement. She started screaming and yelling on the phone and keep telling me that there will be consequences and they will take my house ( which I don't have ), they will garnish my wages ( which I don't have ). After I told her I was done with her, and I was hanging off, she said, " Okay, wait, talk to my supervisor. A guy came on the phone who was probably the biggest XXXX that I have ever spoken to on the phone in my whole life. He wasted my time for 20 minutes, asking me all kinds of questions, and then started harassing me. He started telling me he will garnish mine and my cosigner wages and take our houses, which none of us has. Navient needs to stop this kind of unrealistic harassment. I am taking XXXX and XXXX medication because of the threats they have been making on my phone, my cosigner phone, and anyone we know whose information they buy online. I have XXXX XXXX because of them. I want to put this on the record that if I end up in a XXXX XXXX or XXXX XXXX, it will be because of Navient. Today, XX/XX/XXXX XXXX, I got a threatening voicemail from Ms. XXXX on my phone again even though I talked to them yesterday. If they didn't stop and if I didn't end up in a mental hospital or didn't commit suicide because of them. I will be filing a lawsuit against them for defamation, psychological torture, harassment, violation of my privacy, and violating the fair debt collection act. It is almost becoming a joke that the CFPB lets Navient get away with this many illegal activities. I have always mentioned to them that I am recording the conversation and have all the conversations recorded. I will love to see them in court. The number of illegal activities they have done ; in my case, Navient representatives should be in jail for that. | ||||||
| 01/25/2017 | Yes |
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| I started attending the XXXX of XXXX in XX/XX/XXXX. I was recruited from XXXX by the school over the phone which is located in XXXX. I received very little information on my loans after starting and was only told to sign on the dotted lines. I was told they had high job placement and that the market for XXXX in XXXX was great. Loan terms were never fully explained when I started and almost all of my financial assistance was in the form of multiple loans. The XXXX 's programs was {$38000.00}. I finished with an XXXX and was somehow {$45000.00} in loan debt. I have all the original loan estimates from XXXX that show figures closer to the {$25000.00} range and can not figure out how my loan balances got so high when the total cost of the program should have been much, much lower. I graduated in XX/XX/XXXX and they still have not sent my paper diploma nor will they return my calls. ( I do n't even have my diploma from them after graduating! ) They did very little to help me find a job and when I took up a job in retail just to make ends meet they marked me complete for finding a job and stopped assisting. XXXX serviced my loans at first and whenever I would call to report financial hardship I was advised to defer my loans. I was not told my loans would continue to accrue interest. I still have multiple pamphlets on deferment/forbearance options from XXXX and XXXX as these were the only options explained to me. XXXX eventually consolidated my loans so I could not see the individual loans I had taken out and then sold those loans to Navient who has also kept them in deferment/forbearance. I ca n't get any assistance figuring out why my loans are so high, why XXXX seems to have over charged me, or why my interest rates are so high. I inquired about loan plans and they sent me information on plans that resulted in me paying more interest than my loans. My loan balance is currently {$69000.00} and under any of the XXXX plans they offered I would end up repaying at minimum {$130000.00} ( with some of them going up to {$150000.00}!!! ) That 's almost ( or more than in some cases ) double my loan amount! I ca n't get answers on what happened during my prior consolidations, why my loan balance is so high, or why I 'm only being sent information on loan plans that result in me paying double the amount of my loans. There have been suites against XXXX and its parent company XXXX for defrauding students into attending in order to take advantage of federal assistance - I feel that I was a part of those numbers. There were suites against XXXX for pushing students into deferment options without explaining terms - I was a part of that. There are now suites open against Navient for the same thing. It has been frustrating and financially draining to be pushed around from company to company with no understanding of my loans and no one to assist me. | ||||||
| 07/17/2017 | Yes |
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| My ex-husband and I consolidated a student loan back in 1996 for the amount of {$42000.00}. At the time we were married, and this was the easiest way to make the payments. Our loan was first with XXXX XXXX and then was changed to Navient, whom we now have. After our divorce, my ex-husband went Chapter XXXX and by the time his repayment period was up, our loan had doubled to over {$80000.00}. During the repayment period, I tried to contact XXXX XXXX and make payments but was told I could n't have access to the account due to the Chapter XXXX . After this, we switched to an Income-Based Repayment loan, which was the only way we could afford the payments. We have continued to pay the loan every month since them ( with some time taken off for me to go back to school for a second XXXX XXXX and a XXXX these amounts are in a different loan with a different company which I repay through Income Based Repayment with no problems ) but our loan amount is now over {$120000.00}, and each year it gets higher because we are never able to pay anything to the principal. In addition, every time we try to recertify our IBR, it takes 4-6 months to get the process done. During this time, we are incurring late payments in the thousands and have no recourse but to defer those payments, thus adding to our overall balance. This year, I started recertifying back in XXXX . I tried to submit my recertification information through FSA but my income on my latest taxes would not show, so I submitted the paperwork directly to Navient, including a copy of my taxes. They notified me that my ex-husband had not submitted his forms ; I notified him, and he did so. Despite that, the problem was not resolved so my ex-husband called Navient and was informed that I had to resubmit my information. I did this three weeks ago. Yesterday I got a notice from Navient saying that they could n't complete our recertification because they did n't receive my ex-husband 's income information ; this after they had told him his information was there, and I needed to resubmit. Now, of course, we have several thousand in payments due, which we ca n't pay-hence the reason for IBR in the first place. I want to pay this bill, but ca n't stand the run-around that Navient gives us every time we try to certify. I also ca n't see the purpose in paying a loan every month when the principal never goes down and when the amount is three times the original loan even after 20+ years of repayment. I believe that Navient purposefully gives us trouble with our recertification each year so they can collect more fees from us. To tell the truth, I do n't know where to turn to fix this and am ready to stop paying it altogether. The high amount is already hurting our credit rating in spite of the fact that I am conscientious about paying bills as is my ex-husband. | ||||||
| 02/08/2019 | Yes |
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| I'm being charged an " adjustment '' on my student loans after I paid them off XX/XX/XXXX ( paying off a balance of {$4700.00} ) After receiving SEVERAL confirmation emails congratulating me on paying my student loans and over 3 years ( XX/XX/XXXX ), I suddenly received a notification from Navient telling me I had two balances on my account. I called them immediately to ask about this and they said they would investigate. No one got back to me. I followed up today since I had this flagged in my email and Navient keeps emailing to pay this new balance. A Navient customer service rep told me to check this special inbox I never had seen before in my account that has this letter : " XXXXX, the response to your recent student loan account request can be seen below. Your loans were previously paid in full. However, due to adjustments made to the account on XX/XX/XXXX, requested by the Department of Education ( XXXX XXXX XXXX XXXX ), a balance was placed back on the loans. You will need to contact them regarding this adjustment. You can reach them at XXXX. We apologize for the confusion. Were here to help Were happy to help you navigate your options, provide you with resources, and answer any questions you have as you repay your loans. If you have any questions about your account, visit us online or give us a call. '' The rep told me this is a U.S. Department of Education issue and that I need to call them. -- -- -- - I call the 1-800 number to the U.S. Department of Education and speak with XXXX ( ID XXXX ) and she discovers that I'm not even in their system. They can't even find me with my social security number. She suggests then I be connected to the Loan Default department to see if my loans went into default. I waited another 30 minutes on hold and was connected to XXXX ( ID # XXXX ) who also says I can't be found in their system and that my loan is serviced through Navient. And that I need to contact them. She also suggested I send physical proof of all correspondence about my paid off loans to this address : " US Department of Education XXXX XXXX XXXX XXXX Texas XXXX '' She said it would probably take 8 weeks to hear anything back. I'm really frustrated and dismayed with both Navient and the U.S. Department of Education on how my loans were handled. I also just tried calling Navient again and they won't connect me to customer service after being put on hold at least 3 times and waiting about 2 hours while I'm watching my small children at home. As you might tell, I'm pretty upset and disturbed by all this. It feels like no one is taking the blame for the matter and Navient is trying to charge me after 3+ years. It really makes me concerned that they are doing this with other individuals who have loans serviced by them. Does it seem fishy that I am now being charged {$230.00} after paying off my loans in XXXX? | ||||||
| 11/02/2017 | Yes |
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| I became aware of the Public Service Loan Forgiveness ( PSLF ) program around XXXX. At that time, I contacted my loan servicer, XXXX XXXX ( then to become Navient ) and asked the service representative if I could be placed on the right type of payment plan to qualify for PSLF. I was assured that yes, I was on the right type of payment plan. Through the following years, I had various phone interactions with XXXXXXXX XXXX/Navient customer service representatives. Each time I asked if I was on the right type of payment plan, and each time, these different representatives assured me that, yes, I was. Around XX/XX/XXXX, I submitted my first Employment Certification form. I have been working for a XXXX XXXX XXXX since XX/XX/XXXX. Upon review, it was determined that my work qualified for the PSLF program, and my loans were transferred from Navient to XXXX XXXX. Upon additional review, XXXX informed me that of all the payments I had made over the years, only 13 payments were considered qualified for PSLF. Apparently, I had been under the false assumption, due to false information, that my payments should have been qualified starting around XXXX. This means that while I thought I was on the right plan, I ultimately was not, and about 3 or 4 years worth of potential payments toward PSLF were essentially lost to me. In an effort to research the problem and hopefully correct any potential mistakes, I then contacted Navient. Navient confirmed I had only 13 qualifying payments. I asked them how on earth was that possible, as I expected accurate information from their customer representatives. After much discussion, Navient ultimately accepted no responsibility nor offered any avenue for recourse. I asked Navient for a hardcopy of all of my payment history to be mailed to me so that I could review it myself. They agreed. It 's now a good 8-9 months later, and I never received this information. I wish I had documented these interactions in a more meticulous manner, but I 've had dozens and dozens over the years of normal business with this servicer. This is further complicated by the shift from XXXX XXXX to Navient. Quite frankly, it is impossible to even investigate what information might have been lost in that transition. I feel like it 's unacceptable to expect regular every-day customers to have the file-keeping, documentation, and advocacy skills of a trial lawyer. I also feel it 's a reasonable expectation that Navient customer service representatives be properly trained, provide accurate information to their customers, and spend sufficient time with customers to understand all the options. The consequences of that failure are somehow placed solely on the shoulders of the customer. Now that my direct loans are being handled by XXXX XXXX, I 'm genuinely curious what options for recourse even exist from XXXXXXXX XXXX/Navient. | ||||||
| 01/03/2019 | Yes |
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| My complaint is about Navient. I am a resident physician who took out money for medical school. I am now a second-year resident so this is my second year paying on the loan. I have to be on an income-based repayment plan because my income ( ~ $ XXXX ) can not possibly make the payment on my > {$200000.00} student loan. As a result of being on the income-based repayment plan, Navient forces me to re-demonstrate my income every year to re-qualify. In order to accomplish this re-demonstration ( which is a useless exercise anyway because my income barely increases annually and that number is set years ahead of time for all residency programs and it is published online ), they sent a single non-descript email on XX/XX/2018. The email does not include any indication that it might contain such a re-authorization requirement. I have attached the email with my information redacted. In order to receive the contents of the email we are required to follow the link, login, and click on a pdf link that may or may not be the most recent message ; that is easy to overlook when you get 50 emails, this one contains nothing but a link, and there is no way to tell which message on the Navient website this email is connected to. BTW, I have four post-graduate college degrees and this is not straightforward. Of note, Navient does not include additional reminders. They do not include an email saying anything relevant at all. In fact, all Navient emails are essentially hidden until you conduct the separate login. Then, after that single email, they emailed me in XX/XX/XXXX to say that my payment would be increasing to {$2600.00} a month. Obviously, I can not afford that while I make {$50000.00} a year. They do give me the chance to fix the problem by going back on the income-based plan. I submitted all of the information to get back to the same income-based repayment program I was previously that is currently pending. However, despite staying on the same payment plan and having no lapses in my payments, Navient capitalized my interest. Apparently, that is their policy. If people do not re-authorize their loan in a pre-specified window of time, Navient capitalizes their interest. In my case, that capitalization was approximately {$6000.00}. So now I am getting compounded interest around 6 % on another {$6000.00}. In other words, I get to pay an extra {$30.00} a month for the duration of my loan. All because I missed a single non-descript email. I am wondering what the value of such a policy for the government that I borrowed money from? That is, why would Navient be allowed to steal a huge amount of money due to missing an arbitrary re-authorization date despite staying on the exact same repayment plan. It seems like a scam. We are basically borrowing money from our own government and Navient is being allowed to skim money off the top. | ||||||
| 07/17/2017 | Yes |
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| On XX/XX/XXXX I began the repayment of my FFEL Stafford Subsidized Loan 's plus another FFEL Unsubsidized Loan. The repayment plan I selected was a Graduated Plan and at the time the loan was serviced by XXXX XXXX . I was set up on auto-draft from my checking account to repay the {$15000.00} back with a term of 10 years. My payment began at XXXX . The loan servicer 's name changed once or twice before 'landing ' as Navient. Now in order for my loan to work Navient should have increased my payment approximately every 24 months in order to meet the terms of the loan. From XX/XX/XXXX to XX/XX/XXXX I never missed a payment. In XX/XX/XXXX of l ast year I was contacted by Navient stating they did an audit of loans and discovered that in order to meet my loan repayment terms my monthly payment would need to increase to {$530.00} from the XXXX This was quite startling to me as you can imagine. I have many student loans and those from my XXXX education that are serviced by XXXX XXXX XXXX XXXX XXXX have only ever steadily increase every couple of years. I called Navient and asked why my payment was increased years earlier as the graduated repayment plan was designed to do and they admitted to a " system error ''. I must admit that I depend on the Loan Servicer to be the most knowledgeable about the loan terms and to ensure that what I signed up for is administered correctly. I tried to appeal this problem during XX/XX/XXXX & XX/XX/XXXX and was only offered the option to refinance my loan with new terms. My loan that I had just discovered was almost exactly the same amount after paying on it for 7 years as it was the day I began repayment through no fault really of my own. Truly I did not recall that this type of loan was only a 10 year repayment plan. I can find no paperwork outlining that. So that I would n't end up as 'defaulting ' on this loan I did end up refinancing it but instead of staying with Navient I had it transferred to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX where I now pay approximately {$150.00} per month. However Navient collected $ 6000+ in payments from me with nearly all of it being applied to the interest only. Had my payments gradually increased as they should have I would most assuredly paid less in interest overall. Not to mention have the loan paid off as well. I never received any call, email, or snail mail that I can recall stating my payment needed to increase to avoid this financial waste and frustration. So even though they acknowledge it was a " system error '' they refuse to adjust the balance due on my loan to offset the miscalculated interest they collected. I filed a complaint with the AR State Attorney office and in their reply they additionally stated that since they are no longer the Loan Servicer that this is no longer their concern. | ||||||
| 05/05/2017 | Yes |
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| I chose to pursue my XXXX and XXXX education in NYS, and then chose to work in jobs that serve our XXXX and XXXX XXXX ( 501 ( c ) ( 3 ) ). In pursuing my degrees, I had to apply for federal student loans, originally through XXXX XXXX , then Navient took over. Over the course of time, I was advised to consolidate my loans ( into two accounts : subsidized and unsubsidized ), During this time, and over repeated verbal contact, I repeatedly asked and continuously affirmed ( verbally via phone ) that the payment statuses and consolidated payments I made were applicable toward the Public Service Loan Forgiveness Program. Now I 'm told that the statuses and payments I 've made, during service to the communities I 've faithfully served, do n't count. I 've documented my contact with Navient, who of course, subsequently deny their representatives ' statements and I assume they 've omitted such documentation from their records. As an info systems professional, I 'm not surprised they think their denial is incontrovertible, yet they acknowledged employing people I identified during the time frame I describe below : For example, Navient employees advised, on or about ( includes, but not limited to ) : XX/XX/XXXX : I was advised that none of my payments were applicable ; they apologized because this was a common complaint and they would only offer to " retrain/re-advise '' their employees as to how to advise customers. XX/XX/XXXX : per XXXX - advised me that income sensitive repayments were applicable to public service loan agreement . XX/XX/XXXX : per XXXX - advised me that income sensitive repayments were applicable to public service loan agreement. As stated, I did my due diligence, in good faith, and was repeatedly advised and understood that from the inception of the public service forgiveness program until XX/XX/XXXX that all my payments/payment status were eligible and applied toward the public service loan forgiveness program. On XX/XX/XXXX I reach ed out to an agency representing the public service loan forgiveness pr ogram, MyFedLoan.org, and was advised that my status and all the payments that I 've made on my consolidated loans are no t eligible for the program. A follow up call to Navient resulted in one of their supervisors acknowledging the error, confirming that I 've been " misinformed '' all these years, apologizing, and stating there was nothing they can do but advise their employees to provide the correct information from this point forward. Their recommendation was for me to re-consolidate and restart the 120 payment ( 10 year ) from scratch. Combined loans excee d XXXX XXXX . To date, I continue to dedicate myself to public service, particularly and proudly serving those who are " Always Ready Always There, '' who are often most likely to deploy to defend us all. | ||||||
| 05/16/2018 | Yes |
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| I have student loans managed by Navient. I had difficulties repaying my loans, on XXXX I spoke to a representative-XXXX XXXX and was enrolled in the Rate Reduction Program for 6 months. I was told only one account ending in XXXX would not be enrolled in the program and I would have to make separate payments to this account. I continued to receive phone calls after the first payment of {$420.00} was made on XXXX. I was also told by XXXX XXXX on XXXX, that the while in the Rate Reduction Program, my account could be reported to the Credit Reporting Agency ; however after my 3rd payment I should call and have it removed. I continued to receive phone calls from " Sallie Mae '' on my caller id regarding my loan. I called on XXXX, regarding ongoing calls from Navient. When I called I explained I was enrolled in the Rate Reduction Program and questioned why I was being called. I was then told that the amounts given was not correct and a different arrangement had to be made. The new arrangement was {$360.00} monthly and account ending in XXXX would be paid separately each month. On XXXX-I received an alert from the Credit Reporting Agency indicating that my the was 30 days past due. I contacted Navient and was told that I needed to send a letter to their Credit Bureau office. Approximately a week later, the negative item was removed from my credit reports before I sent in the dispute to Navient. Then on XXXX, I received an alert indicating that Navient reported my account 90 days past due. I immediately contacted Navient and was transferred to the " Federal Loan Department ''. I spoke to a representative in the " Federal Loan Dept '' ( Representative XXXX ). I was told the account reported was my Federal loan and not the private loans. I was told that when I made the arrangement for the Rate Reduction Program, it was only for the private loans and they " can not see '' the federal loans ; although all my loans are managed my Navient. I was never told that the federal loan was being managed separately from the private loan. In the past when I enrolled in an income based repayment plan all loans were included in the plan. I had several phone conversations with Navient and at no time was I made aware that they could not " see '' my federal loan. When I explained to the representative that this was not explained to me ; he was dismissive and indicated that it would be very difficult for me to have this negative item removed from my credit report. This is an ongoing situation with Navient where conflicting information is given to customers by their representatives. This situation is stressful, time consuming and I feel hopeless. I took the necessary measures to responsibly take care of my account only to be provided conflicting and misleading information. I appreciate your attention and assistance in this matter. Thank you. | ||||||
| 02/05/2021 | Yes |
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| My mother, an elderly ( XXXX ) XXXX XXXX, was taken advantage of by a former student, facilitated by the predatory lending practices of the lenders, initially to cosign on a XXXX loan with encouragement from the lender and then she was duped into allowing the lender, Navient to make direct withdrawals from her bank account to make payments on the student loan. Navient directly withdrew the payments from my mothers account from XX/XX/XXXX through the end of XXXX. We discovered the withdrawals in XX/XX/XXXX and immediately contacted Navient and insisted that they cease the withdrawals, yet they continued to make withdrawals for two more months. We then entered a stop payment order with my mothers bank yet Navient contested that stop payment order even knowing that they were not authorized to make such withdrawals. Navient engaged in predatory lending practices by directly facilitating the taking advantage of an XXXX XXXX XXXX in order to receive payments on the XXXX loan when it became apparent that the borrower was not willing or could not make payments. Navient admitted to us that it in fact talked with my mother in XX/XX/XXXX at which time Navient laid out the options for her assuming responsibility for the loan payments. In doing so, Navient directly participated in taking advantage of my mothers compromised position. Navient knew that my mother had no familial relationship to the borrower. Instead of encouraging her to assume responsibility for the loan, Navient had the responsibility to explain the borrower 's right to loan forgiveness and to inquire further as to my mothers ability to make that decision to assume payments on the loan. My mother had no legal obligation to assume those loan payments, but Navient willingly accepted those payments despite her position as a XXXX XXXX who lacked the means to make those payments without adversely affecting her own financial condition. Navient failed to exercise due diligence in investigating my mothers capacity to make direct payments on behalf of the borrower. The result was that Navient participated in and facilitated the fraud against her. At the time Navient pressured my mother to assume responsibility for the loan, Navient had written documentation that my mother was living on a fixed income and lacked the means to make the payments without jeopardizing her own financial condition ( copy enclosed ). Navients actions were irresponsible and constituted predatory lending practices. We have reached out directly to Navient, but they refused to come even close to making my mother whole for losses from their wrongful withdrawals for more than 10 years from her account. They offered to return to her only about 20 % of what they took from her. We ask that Navient be ordered to repay my mother all monies that Navient withdrew from her account, with interest. | ||||||
| 05/10/2018 | Yes |
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| I paid Navient off on XX/XX/XXXX. I ended up overpaying by {$480.00} and they said they would refund the money in a form of a check in about a month because they do not send electronically. I no longer gave them permission to draft from my account since loan was paid in full. On XX/XX/XXXX I contacted Navient because I still had not received the check. They said to give it ten more days. When I went home, the check was in the mailbox ( XX/XX/XXXX ). On XX/XX/XXXX, they stopped payment on the check and took {$480.00} from my bank account along with {$5.00} for stopped payment. I contacted my bank ( XXXX XXXX XXXX XXXX XXXX XXXX ) and they thought I stopped the payment. I contacted Navient on XX/XX/XXXX and was told that I emailed them and asked to get an refund electronically. I spoke with them on XX/XX/XXXX and questioned why I could not get it electronically but never emailed them and requested that they stop any check. I asked on XX/XX/XXXX to speak with a supervisor and at first was told the call volume was to high. I said I will wait. I emailed Navient with a complaint and then shortly after that a supervisor came on line. I was told that. my refund was already in the process of being sent electronically and I should see it in my bank today. So far it is not even pending. THEY LIED TO ME. I am on the phone with them now ( XX/XX/XXXX ( XXXX XXXX Mountain Time ) and the representative does not appear to know anything about yesterday. I am on hold for a supervisor. The representative told me I had to wait 13 days to get my money back. I told him NO-I was told yesterday that it would be put back today electronically that I have bills coming out. THEY DID NOT CARE AT ALL. They told me it was miscommunication-it was not miscommunication. They are from XXXX and appear to read from a script and do not appear to comprehend. I need help in getting my money back. My account number for Navient is XXXX The number I am still on hold with is XXXX I am asking to speak with a supervisor because the representative refuses to give me a confirmation number that my money is being returned. I was told to talk with my bank. I told him that my bank said to get a confirmation number- that they have one. Now the representative is saying they do not have one that it is in the back. I told him to go get it from the back. No supervisor has come on to help me. I am back on hold again. I told them I was making a complaint to the Consumer Financial Protection Bureau and they do not see to care. I do not know how long I will be on hold so I will finish the complaint. A supervisor just came on the line ( XXXX ) and said that I should receive my money back into my account in 24 hours and gave me a confirmation number. This happened after I said I was on line with The Consumer Protection Agency filing a complaint. XXXX XXXX | ||||||
| 01/19/2017 | Yes |
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| There have been clerical errors made on my student loan accounts for almost the life of the loan. Since XXXX, XXXX XXXX ( now Navient ) has made managing my Federal Student Loan loan very difficult. The difficult started with failed attempts to establish automatic payments. XXXX XXXX did not offer an option to set this up over the phone. I would request a paper form and none would arrive. There were no phone notifications either. I have an email from XXXX of XXXX where I request XXXX XXXX to further develop system to offer what all other financial institutions were already offering ie. auto-pay established over the phone and phone notifications. When Navient took over the loan, things continued to be confusing and misrepresented. Interest was Capitalized at random, Forbearance requests were not followed through on, and vague information regarding changes to my loan was provided -specifically that I had been placed on a graduated payment schedule. Worst of all, I was told over the phone that my loans were in forbearance ( per my request ) only to learn after months of missed payments ( with no notice ) that the account rep had not put my account into forbearance! When I inquired as to why, I was told that a form had been sent out that needed to be signed in order to complete the request. I never received any form and in fact was told on the phone that the account had been placed into forbearance. The missed payments have all but destroyed my credit. I can not seem to get it fixed. Navient should contact the credit agencies to have this removed as it was not an error on my part. Besides my credit being severely damaged, I lost a discount with Navient. I have been paying via auto draft for the past 22 months and the discount still has not been restored. Recently I received notice that my payments due per month have increased by {$200.00}. Apparently I am on a Graduated Plan? I was never notified of this nor did I sign anything agreeing to this. This creates a financial burden that I did not anticipate and I am afraid that payments will continue to graduate at random intervals and increments. I have no schedule of any of this! Lastly, I have been paying the same amount for for the past 22 months yet the amount paid towards principal and interest does not follow any sort of linear progression. Specifically, each month, more or less is paid towards principal and interest. Should n't the interest gradually decrease each month? There is no discernible pattern to the way my payments impact the principal. Taking a Federal Student Loan for XXXX XXXX has been by far the worst financial decision I have ever made. I took the loans to further my education. In addition to a worthless XXXX XXXX, I received a first hand look at the impossibility of paying off school loans. I wonder if I 'll ever get out of this debt? | ||||||
| 04/28/2017 | Yes |
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| Initia lly Navient force d me into default by delaying the processing of my valid renewal application for income based repayment, which I had qualified for in previous years. Overnight, my required payment ballooned from {$120.00} to {$800.00}, which I could not afford, as I was still unemployed, having been the victim of a fraudulent scho ol ( XXXX XXXX ). Onc e my student loans were in default, I was no longer able to negotiate an affordable payment, nor am I able to consolidate any of my loans or lower the interest rates. As a result, I now have multiple student loans in the amount of over {$100000.00}, which is more than double the amount I originally borrowed, with interest rates ranging fr om 11 to 6 pe rcent. Recentl y, Navient notified me a fter the fact, that they had intercepted my state tax refund, without providing any information about how to recuperate the refund while the debt is being disp uted. Navient has kept my loans broken up into at least 14 different loans, each at a different interest rate, and I have no control over which loan the intercepted tax refund will go to pay, which means that Navient can put the intercepted funds to their advantage by applying it to whichever of the loans they prefer, to extend the term and amount of my debt. Navient has also sent letters to me indicating that any failure to reply in writing within 30 days constitutes a waiver of my opportunity to contest their claims, which violates the The Fair Debt Collection Practices Act prohibition against construing the failure of a consumer to dispute the validity of a debt as an admission of liability in section 809 c. For the past few years, XXXX XXXX XXXX XXXX acting as a debt collection agency for Navient, has repeatedly violated my rights under The Fair Debt Collection Practices Act. I have been harassed with daily phone calls from XXXX XXXX XXXX at all hours in the early morning and late at night which is a violation of secti on 805 a. 1. I ha ve been contacted by XXXX XXXX from the same phone numbers with which XXXX XXXX has contacted me legitimately, where the caller refuses to identify themselves and refuses to identify their employer, which is a violation of sectio n 804, part 1. These phone calls have involved the caller illegally communicating to the unidentified person receiving the call that I owe a debt, using my name, which is a violation of section 804, part 2. These phone calls also involve disclosing the existence of my debt with third parties, including my friends and family, a violation of section 805 b. These phone calls ha ve disclosed my personal information to the unidentified recipient of calls, including my full name, my home address, the name of my bank, my date of birth, and the school I attended, which could easily lead to the theft of my identity. | ||||||
| 02/08/2017 | Yes |
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| Over the past seven years, I have diligently repaid my federal Direct Subsidized and Unsubsidized student loans each month. I have never missed a payment. I have stayed in good contact with my service provider. I have never deferred or been in forbearance. When I can, I pay more than what I owe each month in a sisyphean attempt to repay my loans faster. In those seven years, my service provider has changed at least three times. Currently, both of my loans are serviced by Navient. At every turn, Navient has been unhelpful, rude, cruel and has made it as hard as possible to make payments, to reach them, to ask simple questions and to get crucial information about my loans. Currently, they refuse to accept a payment via debit card, over the phone or on their website. The flimsy reason they offer is that my account does not have an outstanding balance, though I should be able to repay my loans at any time and in any amount, regardless of what is outstanding. I should never be punished for making payments on time every month. They also refuse to allow me to apply my overpayment directly to the principal balance, or to XXXX loan specifically, as is my right. It feels illegal, icky and wrong. In light of the lawsuit filed on XXXX XXXX, 2017 by the Consumer Financial Protection Bureau for " failing borrowers at every turn, '' I would like to share my experience in the hope that it strengthens your suit against this vile company, who feeds off the misfortune and ignorance of XXXX 's educated young people. I will call your attention, specifically, to this paragraph from the press release regarding your lawsuit : " [ Navient ] Fails to correctly apply or allocate borrower payments to their accounts : As soon as a borrower begins to pay back their loans, student loan servicers are supposed to take a borrower 's payment and follow instructions from the borrower about how to apply it across their multiple loans. Navient repeatedly misapplies or misallocates payments -- often making the same error multiple times over many months. The company all too often fails to correct its errors unless a consumer discovers the problem and contacts the company. '' I am XXXX of the borrowers they have failed in this regard and I want out. Immediately. I want them to be held responsible for failing me and others like me and I want my loans serviced by a company that does not prey upon its customers like lions on weakened gazelle. Given the atrocious level of service provided, the pending CFPB lawsuit, the current-good standing of my loan status and my impeccable credit score, I have formally requested to change service providers through the Ombudsman of the Department of Education. Though, I 'm sure there will be a XXXX reasons why I do not have the right to make that choice. Please take Navient to court and represent all of us. | ||||||
| 02/21/2017 | Yes |
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| In XXXX XXXX and in XXXX XXXX I spoke with XXXX XXXX about having my student loan t the rate reduction program and I sent all the information needed as asked for me and my co signer. At the end of all my monthly bills including what I was paying for my Navient loan a month I do n't have much remaining to be able to survive. I have also received horrible experience with almost everyone I spoke to and have reported to the BBB. Everyone I speak to gets very loud and nasty and is very rude, including today 's conversation. Back on XXXX/XXXX/XXXX I spoke to XXXX different individuals, XXXX ID # XXXX was the XXXX individual at XXXX told me that my payment was {$200.00}, and then was transferred to XXXX ID # XXXX also told me my payment was {$200.00} from now until XXXX XXXX and we set up monthly withdrawal payments monthly until then. Today at XXXX I called Navient and spoke to XXXX ID # XXXX and I was transferred to the wrong department from someone who had answered the phone. Every time I call I keep getting transferred to the wrong department as per XXXX ID # XXXX the XXXX individual I spoke to and was told that everyone who has helped me told me all the wrong information. My account has not been properly managed and every single time I speak to someone I receive a different answer and I do not think this is a way to do business. My account was switched from XXXX to Navient without any warning and I have had nothing but issues with Navient. I do not know how I will be able to afford the payment that they want me to pay, in which I do not have money left over at the end of the month and I gave spoken wot many different people with a break down. I have not been able to receive a job with what I recieved a XXXX degree in, and if I knew I was n't able to get a job with a XXXX in XXXX XXXX I would have never went on completing the degree as I was told by the school. I have applied to many jobs in the past and I am not currently working with something that has nothing to do with my degree because I can not get a job with my XXXX XXXX Degree, as I have to have a XXXX in order to do anything with my degree and I can not afford to have more student loans attached to me as I can not pay what I have now. I am very disappointed as Navient is suppose to be a professional company instead they are very unorganized and have individuals who speak to people and are very rude. Navient does not help in any other way, as I do understand I do owe the money in which I am trying to pay as well as am trying to be able to live and make a living. The company is only out to hurt people and not help anyone, they are greedy and have so many complaints about them and everything about thing is negative and horrible. They should really be looked into, I would n't be surprised if they are doing things that are illegal that should n't be done. | ||||||
| 10/11/2018 | Yes |
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| Dear Consumer Financial Protection Bureau : On Tuesday, XX/XX/XXXX, I called XXXX XXXX, my current service provider, about an urgent matter. I was told to submit a written request to them and the CFPB to receive assistance regarding this matter. Prior to my loans being held by XXXX XXXX, the service provider for my loans was Navient and its lending predecessor Sallie Mae. There is currently a class action lawsuit against Navient by the U.S. Consumer Financial Protection Bureau and the Illinois and Washington attorneys general submitted in XX/XX/XXXX. Pennsylvanias attorney general filed a suit in XX/XX/XXXX. And Californias attorney general filed a suit in XX/XX/XXXX. The suit ( s ) allege that since XX/XX/XXXX ( when my loan debts were in the care of Navient and its lending predecessor Sallie Mae ), Navient has : - Misallocated payments. - Steered struggling borrowers such as myself toward multiple forbearances instead of deferments ( or income-driven repayment plans ), which accrued undue interest. - Provided unclear information about how to re-enroll in income-driven repayment plans, resulting in the accrual of undue interest or negative credit hits. The CFPB is asking Navient to compensate borrowers such as myself that Navient has harmed. I believe my account and loans were incredibly and unethically mismanaged. Throughout the years my accounts were managed by Navient and its lending predecessor Sallie Mae, I was actively urged to do things that would harm me and my ability to repay what I had borrowed. And, during this timeframe, I suffered all of claims the suits allege. In particular, I was : - Urged to go into forbearance multiple times, accruing undue interest when there were better options available to me as a borrower. ( I most likely also took negative credit hits due to this as well. ) - Unable to effectively allocate payments that I did make, so these monies used as payments were mismanaged, resulting in more interest, and more long-term detriment to my credit. I am asking to submit a balances due request for my account. I believe the balances should be adjusted to reflect a compensation of these years of errors on behalf of Navient and its lending predecessor Sallie Mae. I am currently enrolled in the Public Service Loan Forgiveness program and I am working diligently to pay down my debts. However, I can not make forward progress if I am back paying on the unfair and unethical business practices of Navient and its lending predecessor Sallie Mae that have harmed me and my ability to pay. I am submitting this same request to XXXX XXXX, the Department of Education and Consumer Financial Protection Bureau, as well as to the Federal Student Aid Ombudsman Group. I ask for your assistance in correcting this matter so I can expediently pay back what I owe. Sincerely, XXXX XXXX | ||||||
| 04/15/2018 | Yes |
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| I dont really have the dates anymore regarding the loan in question, but i due to circumstances surrounding the university i was attending i was told to contact navient to see about getting my loans forgiven as they had told me that i had been a victim of " predatory lending '' by that college. I called Navient to see what they could do and I had been numerous times that it would be 100 % forgiven. Not once did they ever say anything consolidation, refinancing, etc. I started the application process with them in and was told that the process would take a few months to be reviewed and to contact them again for a follow up and that i had to pay a fee for their service. I paid the fee and contacted them later on as instructed and was told again that my loans had been completely forgiven ( not consolidated or anything else ) and that i had nothing more to pay back. I had also been set up so that i can keep track of the loan process to which i would receive emails monthly showing that i no longer had a balance to pay and showed that Navient had taken over the loan. Navient told me that i would have to reapply to the program of loan forgiveness every yr so after the first year i reapplied online. Applying online was a little difficult so i contacted them to walk me through it and i was told to apply under an " income driven repayment plan ''. This struck me as odd so i asked why it wasnt applied as forgiveness to which they had told me that " this was just how to apply online and that it would still considered loan forgiveness, you will not have to pay back anything ''. I made sure to ask if there would be anything i had to make payments on and they told me AGAIN that i would not have to pay back anything regarding the loan. After finishing the application and ending the call with navient I went on as normal. Later that yr when the application process finished i received an email stating that i now have a payment to make starting at the beginning of XX/XX/XXXX. After seeing the payment i was now responsible for after being told time and time again that i would have anymore payments to make i contacted navient to see what happened. Im now being told that i did not apply for loan forgiveness and that it would take 15-20 YEARS to completely forgive. When i told them that i wasnt told about any of this they told me that i must not have spoken to any of their representatives which i know is false because ive been using the same contact for them the entire time. They also told me that they have no records of any calls between me and them prior to XX/XX/XXXX. Im now convinced that they will not cover the loans as promised but now the loan is close to being passed on to a collection agency and i keep receiving voicemails stating that if i dont make payments, that i wont be able to apply in the future. PLEASE HELP | ||||||
| 01/20/2017 | Yes |
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| To whom it may concern, I have been dealing with Navient since XX/XX/XXXX-XX/XX/XXXX. Since payments started after I was finished school, I have been in a constant battle with options of repayment. My father is my co-signer and has helped me as much as he could. With his income always fluctuating, repayments have been hard for us. Since XXXX years ago I have managed to find a financially stable job, but with {$36000.00} in student loan with Navient and XXXX it totals around $ XXXX monthly. XXXX has thankfully helped my father and I by letting us sent up an income based payment plan, but Navient has basically told us we have no option. In the last year my father and myself have made countless amounts of phone calls to Navient asking for help or trying to correct payment issues that the previous Navient representative did n't handle correctly. I called in XXXX day to Navient to beg if there is a way they can look into an option for my payments even if they helped me with {$20.00} a month. I was advised that due to my father being my co-signer we can make the full payments, I cant take him off as co-signer to go off of only my income, I have no other options unless I do not make at least XXXX months of to prove I can not afford full payment, or I can look into suspending payments for a month or XXXX and just add the interest into my payments. With no help for my payments I was finally able to have Navient set me up with breaking my full payment up into XXXX separate monthly payments, but also finding when I looked into my account I was being charged late fees. I tried to address with a representative about these late fees since I had set up a auto debit payment plan and they told me someone would have to check into my account to see if it could be taken off. On top of all the miscommunication of what my father would be advised of when calling in and what I would be told, this process has caused major strain in our lives. I am XXXX years old and I am not looking for my fathers help with any of my bills. That is not fair to him or my mother to be responsible for my student loans until I am in my XXXX 's. I noticed there is a potential lawsuit for Navient and I read what problems are causing this lawsuit to come about and my family and I are going through the same situation. If I did n't have the help of my fiancee there is no way I could ever move out of my parents house. I am in the process of trying to become a XXXX time home buyer, but taking into consideration of that I can afford with my student loan payments every month I am not much help to my fiancee. I dont feel that I should be stuck in this position and feel that it is unfair to my family and myself to find " help '' by not making payments to prove Navient 's payments are too much for me. I will not drain my credit down to seek help. Thank you. | ||||||
| 03/08/2019 | Yes |
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| In 2014 I was working with navient to pay off my student loans, I worked out a monthly payment plan to get brought current with my payments. I had paid on my student loans for the six months span they said I should. After the 6th month they told me that my loan would be transferred back to Sallie Mae where I could continue to make these payments.when attempting to get a hold of Sallie Mae they had no information on my loans they didn't know anything about my particular student loan debt. however upon getting back in touch with navient they told me that it was no longer in their system because they transferred it to Sallie Mae and I was brought current with my loan. I was also told that since my loans were current, that my tax return would no longer be withheld from me and I would even be able to reapply for a new student loan if I so chose. After a few days of trying to contact Sallie Mae I received another phone call from navient. they informed me that I was delinquent on a loan, which I explained I have been paying for 6 months and done everything appropriately. It turns out they conveniently left one of my loans out of the original debt that I had.so, I'm thinking I'm doing the right thing and paying off my student loans and getting ahead of it. Apparently they decided to leave one of the student loans out so they could continue to call and harass me about a separate student loan. Which should have all been bundled into the one payment I was making. Upon doing some further research, I found that four of my student loans were paid up and current, and the two that they conveniently forgot about we're still in delinquency. at this point, Sallie Mae still has no information about my student loan making it impossible to pay. A navient wants to start this payment plan all over again with separate loans that should have been included in the original. my taxes have been taken from me every year since then, and I have still not been able to resolve the issues of the misplaced loans while dealing with navient. when trying to do the right thing and pay off a debt, a company that large should not be doing everything they can to hold you back from paying off said debt. it's been racking up interest and late payments and everything else simply because they decided to separate my student loans and not tell me that I was only paying three-quarters of my loans. I have since gotten married and had children, now as a family we are losing all of our tax return at the beginning of the year. I have just recently heard about the lawsuit against navient, and realized a lot of the things that are in that lawsuit is what they also did to me.after doing what I could to get on track with the loan repayment and fix my credit and get my taxes back at the beginning of the year, they have continued to make that nearly impossible. | ||||||
| 11/11/2016 | Yes |
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| In XX/XX/XXXX I was asked by my ex girlfriend at to time to cosign on her private loan for school through XXXX. At this time I also had a loan through XXXX for school that required a cosigner. Knowing this I told my ex-girlfriend that I would not be able to cosign for her and that she would have to try someone else. I assumed she had found someone else to cosign since she never brought it up to me again. around XX/XX/XXXX I started receiving letters in the mail from XXXX asking for my ex-girlfriends whereabouts. At the same time sallie mae was also sending tons of mail to my residence for her ( her previous residence at the time ). Then I began receiving letters from XXXX saying that as a cosigner to her loan it was my responsibility to make payments. Originally i thought it was some type of mistake and tried contacting my ex-girlfriend. At first she denied it and then started ignoring my calls. XXXX continued calling and sending letters to me so I asked to speak to someone about more information on the allegetly cosigned loan. I requested a copy of the loan agreement so that I could compare the signature but instead I was sent a typed up document with no signature. I asked again several times for a agreement with a signature but continued to get the same typed document. I then filed a claim with sallie mass loan department, completed all the necessary paperwork and waited on the result. I was told that my claim had been denied as fraud because the loan was signed by e-file and there was no actual signature. At the point i questioned the e-filing. I was told that the e-file was followed up with a phone interview. I told the lady from the fraud dept that I never received a phone interview. I then asked what kind of questions were asked in this interview. i was told it was questions similar to : my address, my place of employment, social security number etc. she then asked me to confirm the answers to those questions and then told me that my claim was not fraud because all the information given about my identity was true. ( i.e. my address, place of employment etc ). Outraged by her conclusion I asked " is n't that what identity fraud is? ". Then she asked me about the conversation I had with my ex girlfriend when she asked about the loan. Then she told me that i did n't say " no i 'm not signing it '' so i did n't say no. I do n't understand how saying I 'm not able to sign your loan is any different and it does n't matter what I said, i never gave her permission to cosign me for anything. Having no luck with the fraud dept I gave up on fighting the issue. Some time after that my exgirlfriend called me to apologize for the incident. I asked her to call sallie mea and correct the problem but she never did. I assume since then she has been paying her bill but has stopped so now they are calling me again. | ||||||
| 01/25/2017 | Yes |
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| My monthly payments under my for my department of education loans are {$30.00}. The monthly payment for my ( consolidated ) Federal loans are {$130.00}. The total amount of the loans I am responsible for paying each month under my IBR is {$160.00}. This has been the amount I am to pay since my IDR started. However, my amount due for XX/XX/XXXX is {$260.00} for my federal loans. This is an increase of {$98.00} on my federal loans. I missed my XX/XX/XXXX payment. I made the missed payments and paid the current amount due for the loans. On XX/XX/XXXX, I made a payment in the amount of {$320.00} ( which included fees ) for the federal loan. I paid XXXX for my department of education loans to bring them current. I paid a total of {$390.00} XX/XX/XXXX to bring both loans current ( including fees based on the XX/XX/XXXX bill ). However, my XX/XX/XXXX statement is showing I owe {$98.00} in fees. There should be no fees as since my last payment I paid all outstanding fees, past due payments and current amount due. Additionally, per the breakdown of my payments the late fees total {$14.00}. Why was I Charged {$92.00} for fees when my late fees totaled XXXX? Why am I being charged {$98.00} in fees if I am current? Per my phone call with Navient on XX/XX/XXXX, I was advised that the payment I made on XX/XX/XXXX for the past due and current amount was applied by paying the past due balance, the current amount due and adding the remaining balance to the principal. This makes no since, because the amount I paid included payment for fees according to the monthly bill and their website. I paid the fees to remove them but they applied them in a manner that was not beneficial to me. When I asked about my current amount due I was told the balance was {$41000.00}. Which could not be accurate if the payment I made on XX/XX/XXXX was applied to the balance of the loan along with what I paid toward fees being applied to the principal balance, my amount due should be less the amounts. I was told the additional funds that I paid ( which according to the statement was for fees ) were applied to the principal balance. If they were applied to the principal balance why did my balance remain the same? If my account had a balance for past due fees why are the past due fees showing up now, and why are they so high when I only missed the one payment XX/XX/XXXX? Do I get charged late fees for payments that I make timely. I only missed one payment. If the late fees are {$98.00} that is excessive and needs to be explained thoroughly. Questions : Why was my payment not applied based off my statement? Why was I Charged {$92.00} for fees when my late fees totaled XXXX? Why am I being charged {$98.00} in fees if I am current? If the amount I paid for fees was added to my principal balance why did the payment not reduce my balance? | ||||||
| 03/03/2018 | Yes |
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| School loans were from XXXX back from XXXX until about XXXX. I have consolidated also in the past as well to make it one loan payment. However, due to circumstances over the years, loan was deferred at one point then when things were even worse with a bankruptcy, the loan was being paid by the bankruptcy. Then once again, it came time for me to take over payment, by that time ( XXXX ), I was now unemployed due to a workers compensation issue and made them ( Navient was XXXX XXXX ) was notified instantly with all my current financial information! I was now bringing in almost next to nothing to support not only myself but my family, needed XXXX as well. I requested any assistance available, whether it be temporary deferment or full on forbearance for the time necessary. NOT approved on any level which made no sense since I had no income!! I kept calling and explaining even to management about my situation and forwarding information stating I went from an income after bankruptcy to nothing and could not pay monthly. Therefore, Navient went and put me into collections stating I was NOT paying, which they wanted over {$200.00} a month when I did not even bring in that any longer. No one else in my family worked either. So after two years of fighting, someone there suggested checking with the federal student loan division, they finally requested taxes which showed income, they pushed through a deferment for a year. Now I am noticing that they are still adding on interest though, even though approved for no payment at all for a year. Also, noticed that over the two years they not only had sent me to collections and ruined my credit but also added on over {$14000.00} of late payment fees!? During bankruptcy being chapter XXXX ( XXXX ), they were not suppose to add any fees since they were getting paid by trustee until after done with bankruptcy? After, should have been deferment or forbearance due to my income because of not able to work? I now XXXX, need to relocate for a new work position but my credit is not up to par due to the fact that even though Navient shows ok now, the old collection issue that should not have been there to begin with ... is!! Also, creditors wonder by the jump and increase of the almost {$15000.00} when I did not go back to school!? Over {$100.00} increase even now during current deferment? This is just robbery and crazy! How can anyone survive with this kind of injustice occurring? Trying to teach fairness with loans for students to my daughter who now attends college and needs loans, this kind of business is just not right and should be illegal!! I see many cases and lawsuits now against Navient. Do I now need a local lawyer as well just to save my credit, get the help I need to move on with my life with a good job that I need to now because I need good credit to do so!? | ||||||
| 07/04/2017 | Yes |
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| I am filing this complaint against NAVIENT student loan servicing company. It appears to me that they are in violation of their obligation to provide their borrowers with information pertinent to the administration of their accounts. On XXXX XXXX 2017, I called NAVIENT and spoke with 6 different people ; had my call dropped twice and re-routed to a survey gauging my customer satisfaction ; and was yelled at by a customer representative before I finally ended a 90 minute international call, all while being stonewalled and aggressed -- ultimately accepting defeat. My query was simple : do I qualify for an interest rate reduction, and if not, why not. After 7+ years of making regular payments and having a credit score in the upper 10th percentile, I was told I did not qualify but that they could provide me with was no reason for this disqualification. Customer Representative ( CR ) XXXX speculated it was because of my loan type, but could not specify what loan types I possessed, CR XXXX opined it was because of my personal eligibility, but could not specify what personal criteria applied. All assertions made by NAVIENT staff were pure conjecture. I persisted, asking to speak with someone who would be able to provide such information. With every phone transfer up the food chain, I asked repeatedly if there were eligibility criteria that I could access, to which I was told that this information is not available to me. This stonewalling alone would have been altogether deflating in and of itself. However, things digressed rapidly when I was then put in touch with CR XXXX, XXXX, who said that she knew what the eligibility criteria was but then said that she could not and did not want to share them with me- she vacillated between could and would. I was perplexed by the withholding of such information. NAVIENT is a multi-billion dollar business that thrives off of charging usurious interest rates on students for the duration of their lifetimesbut to add insult to injury, they treat you like they did you a favor. After XXXX withheld the information, she then raised her voice a number of times, and ultimately hung up without so much as a goodbye. NAVIENT represents student loan predation at its worst : it has no accountability to the clients it allegedly serves, and, furthermore, is hostile towards them while taking their money. It is not surprising then that NAVIENT has been named the most complained against loan provider in America across myriad credible publications in 2017 and is being sued by the Consumer Financial Protection Bureau ( CFPB ). Predatory companies like NAVIENT need to be stopped. I sincerely hope that I receive a response to the specifics of my complaint. I value the work that the CFPB conducts in protecting consumers and their confidence in our economic system. | ||||||
| 05/21/2018 | Yes |
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| In XX/XX/XXXX and XX/XX/XXXX I worked with my XXXX XXXX XXXX Navient to agree to terms for a Forbearance. I live in the XXXX and spent much time on the telephone working out these terms. The agreement was that they will automatically deduct {$390.00} per month on the XX/XX/XXXX of each month from XX/XX/XXXX - XX/XX/XXXX, after which we will come to new terms for payment. So far, Navient has deducted the amount on different of each month : XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. This is every three weeks and not on the XXXX of each month. The problem is 1 ) this is not according to the terms of the agreement I made with Navient ; 2 ) this is every 3 weeks, not monthly ; and 3 ) this could cost me fees if my bank balance is overdrawn. Note that I have to wire money internationally from my XXXX checking account in order to get money into a US checking account to make payments. This is going to wreak havoc with my monthly expenses. I have been trying to call Navient for the last two weeks and have been unable to get through to a person. Usually there is a 20 minute wait time, and I can't afford to sit on the telephone for 20 minutes ( paying international rates ) waiting for a representative, not to mention the 10 minute it takes to repeat my information over and over to a robot and then to staff who usually can't help me and have to transfer me to someone else. Today,XX/XX/XXXX, I decided to wait it out and sit on hold, because I need to get this matter resolved. The first time I called, I was on hold for 10 minutes, then was put through to a representative who needed to transfer me to someone who could help me. He did and, in the process, disconnected me. I then called back, sat on hold another 10 minutes, got through to someone else who couldn't help me and transferred me to another representative. By then, I was out of patience at having to repeat my stats and contact information again. I then began explaining what I needed and that I had already been disconnected and could not sit on hold while paying international rates. He hung up on me. I then tried to use Navient 's system to send an email about my issue. I typed all of the above information, clicked on 'SEND ' and received an error message that the system was not working. I need Navient to correct my auto payment details to reflect the agreement that was made regarding withdrawl of payment on my account : XXXX should only be withdrawn from my account on the XX/XX/XXXX of each. This is unbelievable. They are absolutely contemptuous of overseas customers. They have made it literally impossible for me to alert them to the fact that there is a problem - and I will be the one paying for it in overdraft fees, which is absurd since it is Navient who is violation of the terms that they themselves stipulated - terms I have absolutely abided by. | ||||||
| 10/20/2017 | Yes |
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| Dear Sir or Madam, I am contacting you because I discovered that two late payments were reported to my credit report by Navient ( on XXXX ) several days after I made payment ( on XXXX ). This occurred in spite of the fact that I have never received a billing statement in the mail. I strived for many years to maintain a steady record of payments for all of my debts, in particular my student loans. Navient has consistently misallocated my payments for more than 12 years, by applying payments to the only to interest portion of my loan so that the principal has barely been reduced ( see attachment showing the history of my misallocated payments ). This conduct has continued for many years, despite the fact that I repeatedly inquired about income-driven repayment plans, only to be informed that I would not qualify. Instead, I was repeatedly encouraged to postpone my payments through unaffordable forbearance plans. By failing to correct the information reported in XXXX XXXX, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs. Furthermore, Navient is similarly in violation of Section 623 ( a ) ( 7 ) of the FCRA which requires it to inform consumers about negative information placed on a consumer 's credit report within 30 days. I have never received a statement from Navient nor this notification in the mail. I contacted Navient on XXXX XXXX, XXXX ( letter attached ) and since that time I have reached out on multiple occasions via phone since then in an effort to resolve these issues but to no avail. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the two accounts showing a late payment in XXXX XXXX be removed and to correctly apply my payments to my loan. In the event that these reports are not immediately corrected, I intend on continuing to file official complaints with all regulatory agencies ( CFPB, FTC, BBB etc. ) to inform them of these circumstances and pursue other legal routes if necessary. I look forward to your prompt response and resolution of this matter. Thank you. | ||||||
| 03/27/2019 | Yes |
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| After experiencing life 's hurdles, I have since been from unemployed and struggling to trying to make ends meet and keep up with my Navient XXXX Loans. I have attended the XXXX XXXX of XXXX and graduated in XXXX. The school has been Sued and Closed due to pressure tactics and false information to student during enrollment. I have gracefully notified Navient of this change. I file a Borrower 's Defense to Repayment and have had my federal loans waivered until XXXX. Navient did not notify me of the update until I contacted them for an updated after several weeks of checking their hotline : XXXX. Afterwards I continued to see what my repayment options were for my XXXX XXXX Loans. For some time I have been given the option to pay {$50.00} to put my account on hold status with interest accumulating for 3 months. I have done this numerous times until my financial status changed for the worst. Again, I notified Navient of my status changes along the way. I continued to be directed to pay {$50.00}, even after I discussed only having {$25.00} in my bank account. I attempted to ask a representative in recent months about submiting my Borrower 's Defense to Repayment application via email portal online for possible review because my school has been sued. I was notified the application doesn't qualify for private loans. I re-stated my case for special circumstance on not JUST the school closing, but because they were SUED, my application should qualify for someone to look at. I was given specific instruction on how to send it through email online. I went to the site and after a grueling 30min of searching, there is NO email upload option for private loans. There is ONLY the option to send a message. I sent messages about how to upload my application, only to get a phone number to contact. I contacted the phone line and was told that I can not send it to them and to apply for a school closure form. My question to Navient was " what are the contingencies? '' The representative asked my questions about graduating recently. I informed her my details of graduating in XXXX. She stated I can try to fill out the form that is coming in the mail 7-10 business day, no online form. I asked for a contact number for payment options. I was given to Navient XXXX line where I learned I am in Default and have 2 days to pay {$400.00}. The representative XXXX informed me that I dont qualify for the XXXX XXXX application. I asked why would i be directed to that if I didnt? He stated : I don't know. My credit is ruined and I don't want to attend any court proceeding. I have gracefully paid navient on loans in the past and have been desperately trying to find other options for payment. I have received a constant time-sensitive run around between reps giving me other contact info and coming to a dead end. | ||||||
| 09/14/2017 | Yes |
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| I was coerced into using my forebearance by a representative at the company the moment my first payment was due. I explained my income and that the payment was not affordable and they directed me towards forebearance as an option. Once my income increased, I began paying my loan, as to not continue to allow interest to accrue. Again, I was misinformed on payment options. Given a payment plan that would just increase their financial gains and not impact the actual balance of my loan at all. They futher declined to inform me that the payment amount that was given to me for the plan DOES NOT even cover the interest that accrues every month. I have been paying my loan for 4 years straight not missing a payment. The site says that I have paid -11 %. It should not be legal to even offer an amount that does not cover interest. I could afford to pay double my amount paid and had this information been communicated to me I would have done so. It would not have been comfortable to pay but sacrifices would have been made. After giving so much after four years it is completely devastating to look and see that your loan is never moving. I feel like NAVIENT should incur the cost of my interest the past four years and put my payment towards the actual loan. They were deceitful in their practices and even the site does not correctly portray my payment status. I did n't realize I was n't making an impact until I signed up for credit karma and was shown an overview of my loan and all of my past payments. The navient site needs to correctly display your payments and loan amount in a way that portrays what is actually happening. You are becoming negative in your loan by accepting forebearance or a payment that is lower than the interest. Their needs to be a sense of transparency in banking the same way it is placed upon other industries. Your interest paid per month should be displayed in comparison to the actual payment. I did not choose the payment amount. The bank maliciously gave me an amount too low to cover the interest rate in order to take advantage and make financial gains on students who are already facing unemployment or under-employed in this economy. At this point I was looking to purchase a house and expected my loan to be down to {$25000.00} and was shocked to realize it increased {$5000.00}. In all fairness, Navient should match the equivalent amount of all payments made since 2013 put directly towards my principal. They arbitrarily put a portion of my payment towards interest and the rest towards principal. Throughout the statement the amount constantly changes. Sometimes only putting XXXX dollars towards my principal or nothing towards the interest. Then there are random capital interest charges that were never explained. Please let me know if I have any documents that can be of assistance. | ||||||
| 01/21/2021 | Yes |
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| I reached out to Navient Corp, student loan servicer, to inquire about the current balance of {$17000.00} shown on my {$30000.00} private student loan, thereafter 124 monthly payment of {$350.00} were made, insofar, totaling, a repayment of {$43000.00}. This sum is in the neighborhood of the final amount they are supposed to collect over the life of a {$30000.00} loan with a repayment duration of 10 years, at 5.75 % interest rate. Not only do I question the amount to be much higher than normal, but also to stipulate whether the loan, at this point, should be paid off. Instead, if adding to remaining balance of {$17000.00}, the amount of {$13000.00} already paid, in excess, over the disbursed amount, of {$30000.00}, Navient plans to collect at least the sum of {$30000.00}, in finance charge! This is both ridiculous and absurd to charge an interest rate of 13.50 %!!, which, though variable, caps at 8 % : Here is the response I received from Navient ( I have attached the letter with my complaint ) : -- -- -- -- -- -- -- " It is important to understand that interest accrues beginning at disbursement until the loan is paid in full. Your Private Signature Student Loan was disbursed for {$30000.00} on XX/XX/XXXX. The Disclosure Statement sent to you at the time the loan was disbursed provided an estimated finance charge of {$40000.00}. In addition to the disbursed amount, this would total approximately {$70000.00} over the life of the loan. The finance charge provided on the Disclosure Statement is an estimate and can vary based on the actual interest rate charged on your loan, as the interest rate for your loan is variable. This amount may also change due to the use of deferment, forbearance, or making late or reduced payments. '' -- -- -- -- -- -- - I have NEVER agreed to a finance charge of {$40000.00}, in addition to repaying a {$30000.00} student loan!! Irrespectively, in the event I did sign for such loan, this finance charge would be strictly above the chart of allowable fees, and void, by law. Moreover, the exorbitant charge shall be interpreted as evidence of financial tort and business malpractice, on their part, instead of used to prove I agreed to repay such an abusive fee. I was financially misled by Navient, who is wrongfully overcharging an interest of 13.50 %, instead of keeping the rate within the required 4.75 to 8 % bracket. If the current repayment plan were to be maintained, when {$70000.00} is finally collected, subtracting {$44000.00}, it would result in an illicit extra surcharge of {$26000.00} ( approximated ). It is important to highlight that although the loan forgiveness program was created in XXXX to discharge public workers of their student loan obligations in exchange for their community service, forgiving Navient, for its disservice, is out of question, today. | ||||||
| 03/31/2022 | Yes |
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| In XXXX, I became unemployed and had difficulty finding full time job for the next four years. Thus, I was constrained to obtain 4 private loans with XXXX XXXX, now Navient, during the time my eldest son was attending XXXX XXXX XXXXXXXX XXXX in the following amount : 1 ) {$20000.00} disbursed on XX/XX/XXXX under loan number ending in XXXX 2 ) {$10000.00} disbursed on XX/XX/XXXX under loan number ending in XXXX 3 ) {$30000.00} disbursed on XX/XX/XXXX under loan number ending in XXXX 4 ) {$30000.00} disbursed on XX/XX/XXXX under loan number ending in XXXX. Please note when these loans were obtained, the XXXX XXXX representative did not disclose that these loans would be considered private loans and not backed by the federal government. I believed then that these loans were parent loans since having a student in college was an eligibility pre-requisite. The first three loans were already paid off as follows : 1 ) Loan XXXX was paid off on XX/XX/XXXX for a total of {$42000.00} 2 ) Loan XXXX was paid off on XX/XX/XXXX for a total of {$32000.00}. 3 ) Loan XXXX was paid off on XX/XX/XXXX for a total of {$63000.00} These first three loans were paid off with the help of my eldest son as he was able to obtain a fixed rate of 6 % interest rate being in the military. The fourth loan, XXXX, Navient said I still owe over {$53000.00}. However, upon analyzing the payment history during the life of the loan, it showed that a total of {$39000.00} has been paid as of XX/XX/XXXX when I had to stop the automatic payment because I have been experiencing financial difficulties due to many health issues for an aging XXXX old, on fixed income, and widowed. I have asked Navient for a reconsideration on the loan converting it to a fixed interest rate, but I was declined. They recommended that I apply with another financial institution who can offer a fixed rate. I tried that as well with XXXX, the company Navient recommended. I was also declined. In my last phone call with Navient representative in late XX/XX/XXXX, I tried to ask again for any affordable options to make payments, such lowering the interest rate. I was told they could not do anything about it. Hence, I asked for a department head I could write to file a complaint and seek total relief from the loan as I believed loan ending in XXXX has been paid for, principal and interests. Most recently, I read an article that Navient made a settlement to forgive student loans in the amount of {$1.00} billion, and another {$1.00} billion in private student loans, primarily those with subprime loans. In the same article, I read that the Consumer Financial Protection Bureau is also assisting borrowers who have experienced harmful and deceitful lending practices. I understand there is a pending lawsuit against Navient. Hence, I am seeking your help. | ||||||
| 05/07/2015 | Yes |
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| I took out loans for schooling when I was XXXX years old. I was an XXXX and left high school with XXXX credits in collegiate courses. As a studious person, I did all the desired paperwork and classes available to educate myself on the process of financial aid. My parents did not have the money to put me through college but were adamant about me focusing on achieving my XXXX. Financial Aid advisors ( both in my high school and my colleges ) told me ( and my parents ) that " student loans are the easiest loans to take out. Even if you have the money, you should take out student loans, they are simple. If you do n't have a job when you get out of school, you can wait to pay them off. '' I took those " authorities '' at their words. I finished my XXXX degree after being enrolled in XXXX schools with XXXX degrees. I was never instructed that there are differences between federal and private loans. I was never told about the differences in repayment and assumed all student loans were equal. It was logical, all my loans ( except for XXXX ) were coming from XXXX XXXX. Now looking back it is insane to me that we are asking XXXX year old kids, with little to no exposure to even running their own basic budgets, to navigate the complicated intricacies of loans and repayment programs. The market crashed in XX/XX/XXXX, I graduated in XX/XX/XXXX. It took me a very long time to find a career and a job where I could afford to pay my student loans. Needless to say, I left school $ XXXX in debt with XXXX degrees, and could not find a job. I had no idea, but interest was piling up on all the loans I had acquired. I have, since then, found a career where I make a good amount of money. However, it is impossible to get out from under the student loan debt. I have paid XXXX of my loans on auto-debit for XXXX years straight. The original amount of the loan was $ XXXX. I have been paying $ XXXX $ XXXX on auto debit for XXXX years. My principal balance is now {$14000.00}. AFTER XXXX YEARS OF PAYMENT. I am frustrated and overwhelmed. It is not SIMPLE interest, like my home loan, but rather compound interest. I NEVER would have taken out student loans if this was explained to me as an XXXX year old. I had to BUY A HOME, to understand the difference between the types of interest. The concept of simple vs compound interest was never explained to me and as a result, even though my salary is high, I have very little ability to pay off these loans. It is a travesty of the education system that those concepts are not explained to people. Even with the salary I have, I am UNABLE to make the payments and as a result, set up for financial failure. How is this fair? I am trying to get ahead but frankly I have paid more down on my house and car in XXXX years than I have in XXXX years on my student loan. Should n't this stop? | ||||||
| 08/01/2015 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NE XXXX have a private student loan ( through XXXX XXXX, now Navient ) that went into default and cosigned on a private loan that also went default. XX/XX/XXXX, I set up terms with XXXX XXXX XXXX ( XXXX ) to get off the co signed loan and make payments to mine. The agreement was to pay $ XXXX/mo for 3 years without missing a payment. I then would be taken off as a co-signer to that loan, and to discuss a buy out option on mine at the end of the term. I agreed. It was a verbal agreement via phone. Nothing was signed. I payed them {$500.00} at the time of the agreement XX/XX/XXXX, and the 1st automatic payment was at the end of that month. Then they automatically withdrew payments of {$150.00} ( from XX/XX/XXXX ) on, or around the last day of the month for the next 3 years. I called them XX/XX/XXXX to verify how much longer I needed to pay. They had no record of the agreement that was made. They told me I still had to keep paying, do a buy out option, or make payments upwards of $ 300/mo. But they did not say for how many years. They said only a small percentage was actually going to the loan itself, and since the payment was going towards XXXX defaulted loans ( mine and the co-signed XXXX ), only about {$4.00} of the {$150.00} was being applied to each outstanding loan balance. The director of finance at my job told me to ask for an amortization because they are required to give that. I asked XXXX for an amortization of the payments to see where the money was being applied but they said they could not provide me with one. I talked to XXXX XXXX ( works for XXXX ) about trying a buy out for {$2500.00}. I had {$2100.00} in savings and checking combined. I offered him that, but he refused. And he had to have all the money today or the offer was no good. I contacted Navient, who transferred me to their " account portfolio manager '' and I told her the situation. I told her I believed the collection agency Navient sent me over to was fraudulent. But the lady said there was nothing she could do. Of course I could hardly understand her because she was from XXXX. I asked her if I could go back to paying Navient directly. She said no. She could only tell me she was affiliated with Navient, but I was talking to a separate company. And that she was going to be assigning a different collection agency ( XXXX XXXX ). I did not agree to that but she did not change her mind. I have received XXXX letters, XXXX from XXXX XXXX and the other from XXXX XXXX offering a buy out option on the co-signed loan. I do not know which companies to trust. I do n't think Navient is very trustworthy either. I believe the private loan side is in cahoots with the collection agencies they 're assigning. I can not find an unbiased source to talk to for help, other than the CFPB. | ||||||
| 07/23/2015 | Yes |
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| Navient has changed my life in a drastic negative way. I am XXXX years old now. XXXX. I have been on XXXX since XXXX. Navient has continued to harass my mother XXXX and I at least XXXX times a day. They said that I currently owed XXXX in private student loans that I cosigned on for my education. I explained to them that I am on XXXX and I can not afford to pay anything. I also stated that I applied for XXXX Forgiveness for my Federal loans and asked if they could assist me in applying for a program like such for my private loans. I quote that the lady responded to me by saying, " I have never her of such a program and if there is one it would be a true act of XXXX if you get approved, we want our money. '' She also said I do n't care what you have, we will just keep coming after your mother and take all that she has because she is primary. '' Then she proceeded in laughing at me and hanging up the phone on me. I just screamed at the top of my lungs when I got off the phone with her and cried like a baby. There has also been a man calling everyday around the clock saying he is my personal account manager. He leaves nasty messages on my phone as well. I feel like my whole world is ending right in front of my eyes. When my mother took out the loans in XXXX I was XXXX of XXXX XXXX. She had no clue that this would happen to me or we would 've came up with a different route like training classes. XXXX I will be on XXXX for the rest of my life. My mother filed a complaint and was told that there is a forgiveness program out there for this circumstance. I do not believe my mother should be held accountable for this. I read on the Navient page that the only way my mother can get out of this is if XXXX. XXXX I have gone downhill beyond measure. I got married on XXXX/XXXX/XXXX and my mother could not afford to give me a big wedding so we got married in her living room. XXXX days before our wedding day Navient called me and let me know that they wanted {$700.00} a month or else they were going to start wage garnishments. My marriage has not been enjoyable at all. I thought I was finally going to be happy. XXXX I have had to change my XXXX over and over because of my XXXX. I was told by my XXXX to go back to school because I needed something to help my mind get back on track. That I what I did. I obtained my degree XXXX. XXXX I am receiving the proper help. These last XXXX months have been so hard because I feel like everything that I have worked so hard to build within myself is being taken away and broken down. My mother has another daughter a year older than me on XXXX with XXXX. Our family is struggling and we can not afford this. I promise I did not know this was going to happen. I need the forgiveness program on behalf of my mother and I. I need help or I 'm not going to survive. Please!!! | ||||||
| 07/29/2018 | Yes |
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| I entered into the Term Rate Modification program at Sallie Mae in XX/XX/2018. This was done over the phone with a loan modification representative. I gave all of my financial information ( current income, personal expenses, checking account balance ), as well as my mother 's information. She is my co-signer and has been helping me make payments until I find a job. We were told by the representative that my monthly payments would be lowered to {$300.00} per month, to be allocated to two loans, # XXXX and # XXXX. This payment plan requires three " good faith '' payments before official enrollment. I was told I would continue to receive notices of delinquency until all three payments were made, and the representative told me to ignore them. These payments were made on time, automatically taken from my mother 's checking account, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In early XX/XX/XXXX, I received a letter of delinquency that threatened negative consequences to mine and my mother 's credit score. I called Sallie Mae right away and was told again that I should disregard all communications from the company about my loans being delinquent. The representative assured me that the delinquency would not be reported to credit agencies as long as all three good faith payments were made. I was called again on XX/XX/XXXX by XXXX XXXX ( XXXX ) at Sallie Mae to inform me that my payment plan was now invalid. After calling back, I was unable to reach this person and spoke to a resolution specialist named XXXX, who assured me Sallie Mae had made a mistake in not validating my payment plan, because every good faith payment was made on time. This person once again assured me this would be fixed, the payment plan would go through, and that my credit would absolutely not be affected. Today ( XX/XX/XXXX ) I checked my credit score and Sallie Mae has reported two instances of serious delinquency in my credit history in the last two months. This has greatly affected my credit score, which is now in the 560 range. Going through my online correspondence, the only written record Sallie Mae has provided of me entering into this payment plan was sent to me only days ago, on XX/XX/XXXX. Quite conveniently, this letter states that my credit can be affected during the good faith period. This contradicts everything I have been told, on multiple occasions, by Sallie Mae representatives. I understand from speaking with them on the phone that every call I have made about this is noted in my account file and calls are recorded. I made the huge mistake of believing them when they repeatedly lied to me about reporting to credit agencies, so I did not keep my own records and now have no proof that these communications happened other than what is in my file at Sallie Mae, and the letter I received on XX/XX/XXXX. | ||||||
| 12/09/2016 | Yes |
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| XX/XX/XXXX, I requested forbearance until XX/XX/2016 because my loans were being consolidated. At the time, I was not aware that I had XXXX private loans from navient, who failed to mention this in the many conversations that went on between myself and the operators. I also hold my guardian responsible, because she failed to tell me that she used my information to apply for these loans to get keep me at school. They failed to mention that from the moment I received the loans that interest was building on them, even while I was in school. Although I do pay my loans, Navient has done nothing but make my life stressful. Since then I have been lied to and harassed regarding my private loans. In XX/XX/XXXX I made three payments to the company, XX/XX/XXXX for {$350.00}, XX/XX/XXXX for {$270.00}, and XXXX for {$270.00}. Despite making several payments, I have since been harassed about late payments. I have had to speak to XXXX escalated account managers and each time a new piece of information is revealed.One of the managers even tried to pry into my personal life regarding myself and the cosigners relationship and even after I would not tell her anything she continued to pry and I had to disconnect the call. It seems like the company is purposely neglecting to change my account status as I receive at least six calls a day from different numbers telling my my account is past due. I have requested this be fixed twice already and it has not been done. I consolidated my federal loans and I am being told that I still owe on those. The payments I made went to federal loans, and instead of someone looking into this, they call me to tell I still owe money, despite my account showing that I paid. I had to request management so that someone could take a further look. I received a letter stating that I overpaid and even after that, I still am receiving calls that I have late payments due. I received a check for the over payment, despite telling the escalation manager that I would like the money to go to the next month balance. Navient has been extremely unprofessional, careless and neglectful in this entire process. On the eighth, i received a letter that my account is Delinquent. My next payment is not due until XX/XX/XXXX, which was to be paid with the over payment check I now possess. I fell powerless in this process and all they continue to do is take my money!! I ahve tried to resolve these matters several time directly with navient but it is not working. I dread the calls. I work at night and my phone is ringing constantly while I am trying to sleep. I have a family and so I keep my ringer loud in the event one of my children need assistance or there is an emergency. However, Navient constantly calls my phone disrupting my sleep and my life! This company is terrible and needs to dismantled! | ||||||
| 02/17/2021 | Yes |
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| I usually pay Navient a monthly payment of {$650.00}. I have not had a check returned for insufficient funds or been late with a payment. My payment is due by the XX/XX/XXXX of every month. I mailed my XXXX payment of {$650.00} on or about XX/XX/2021. Upon checking my bank account around XX/XX/XXXX, I noticed a DOUBLE withdrawal of {$650.00} ( an admitted error by Navient ). I called the bank and placed a stop payment on that check # XXXX ONLY Arc # XXXX. I thought check # XXXX would clear as payment, but it never did. Therefore, my account was considered delinquent. Ok. On or about XX/XX/2021, I began receiving phone calls at XXXX requesting the XXXX payment. I said I would mail it the next day. The rep said she would " note it '' on my account. It ( a check for {$1300.00} XXXX was maled on XX/XX/2021, which would cover the XXXX " delinquent '' payment and the next due XXXX payment. The following week, I received at least two evening calls and a call on XX/XX/XXXX and XX/XX/XXXX from Navient again demanding payment! I explained again that I had already mailed the payment ... it was implied I had not! On Tuesday, XX/XX/XXXX, I received another call. Since I had received my check back, I went ahead and paid {$1300.00} from my debit card as a ONE TIME payment. The confirmation # is XXXX. Using a debit card is NOT a payment practice I choose to continue. I have always paid by check and wish to continue, and I should have every right to. On Saturday, XX/XX/XXXX, I received a letter from Navient dated XX/XX/XXXX telling me my account was INVALID that I must go to the bank and obtain a letter stating my account was not invalid. The account was and is not invalid. My check for {$1300.00} was also enclosed with the letter to me stamped VOID with no explanation as to why. The XX/XX/XXXX date PROVES my check had been received, prior to the harassing calls I received thereafter, but the payment had been rejected, and I was harassed instead of being informed. I went to the bank this morning, and was told the bank does NOT call or write letters as proof of account validity. My account IS VALID. When I returned home, I called Navient. I spoke to rep " XXXX '' and her supervisor, " XXXX '', who were both rude. PROBLEM : I was not given a reason for the declaration of INVALIDITY on my checking account. I deserve an explanation. XXXX refused to correct the situation. My checking account is NOT invalid!!!!! XXXX said the declaration by Navient IS the reason and I deserve no further explanation. The double charge was originally a Navient mistake. Now it seems I am being continually punished for protecting my interest and not wanting or needing to pay double in XXXX. The account is up-to-date. My account should be reinstated and my check accepted for future payments. | ||||||
| 09/28/2015 | Yes |
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| Several years ago, I learned of XXXX student loans on my credit report when applying for a home loan. I contacted XXXX XXXX and they stated that I cosigned my ex-wife 's loans. I denied ever signing her loans and requested a copy of the contracts. After many months of many requests, XXXX XXXX sent the contracts without my signature but with an unknown email address and random sequence of numbers. When I spoke to XXXX XXXX, they said that the contracts had been signed electronically with the falsified email addresses ( XXXX separate email accounts ). I denied ever having access to these email accounts and asked how my identity was validated, which I never received a response. Instead, I was referred to their fraud department. XXXX XXXX 's fraud department instructed me to file a police report to have my name removed from these accounts. Immediately, I filed an identity theft report with the FTC, police report with my local police department and the police department where the fraud occurred. Neither police department would pursue the case because the majority of the loans were outside of the statute of limitation. Secondly, I was informed by XXXX the detectives that because the allegation of fraud was my ex-wife, the issue was a civil matter, not criminal. When I contacted XXXX XXXX with this information, they told me that they would not remove my name from the account without validation of forgery from the police. They recommended that I take my ex-wife to court. Afterwards, I retained an attorney and was awarded an enforcement order against my ex-wife to indemnify me from these loans. During the legal process, the loans transferred to Navient Corporation. I spoke to their fraud department and sent a copies of the the court order and police reports ; signed affidavits from people that could attest that I never used the email accounts used to cosign my name in the loans ; proof of an unrelated document that I discovered my ex-wife had forged my signature ; copies of tax returns to demonstrate false information provided about my employer and salary ; and proof that I had been XXXX and XXXX when XXXX the loans were signed. Navient did not respond. After I had received the court order, my ex-wife defaulted on the loans. Consequently, Navient has reported this information on my credit report, resulting in a XXXX point loss in my credit score. This has resulted in revocation of credit lines with my banks. Also, I have been counseled by my employer that my security clearance may be revoked as a result. I tried resolving this issue with Navient but they will not release my name from their records. It appears that my only recourse is to spend an additional $ XXXX for an attorney to hold my ex-wife in contempt. Regardless, this will not stop Navient from trying to collect from me. | ||||||
| 05/15/2022 | Yes |
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| I have been making payment, but my loan keep increasing. So, on XX/XX/XXXX I went to the Navient website to review my private loan history to find out why my loan keep increasing, I only had a {$17000.00} loan. When I opened my account, I started from the year I took the loan. When I look down on XX/XX/XXXX which was the date I took the loan, I saw a {$48000.00} unpaid Principal added to my principal ( {$17000.00} ). I called Navient on XX/XX/XXXX and spoke to XXXX ( ID # XXXX ), I explained the reason why Am calling. I told XXXX to a look at my loan history and focused on XX/XX/XXXX. I asked her to explain to me why there's a {$48000.00} unpaid principal added into my {$17000.00} loan principal, she replied I don't know. She requested to send my complaint to the complaint department, I ask to speak to the department. She informed me that I can not speak to them because they do not take calls, so I agree to send my complaint to them. on XX/XX/XXXX I called Navient to check the status of the complaint, I spoke to XXXX ( ID # XXXX ). I informed XXXX the reason why am calling, He pulled up my account and informed me that he can not find my complaint and can not see what I'm talking about. He put me on hold for about XXXX minutes. when XXXX came back, he informed me about a letter that send out to me. I asked him what in the letter, XXXX informed me that the letter stating that the information 's in my account on the Navient website are not accurate. I ask him what he means by that. He repeated it again, the information 's in my account on the Navient website are not accurate. I ask him if all my payment showing on the Navient website are accurate. He didn't answer me. I ask XXXX where the {$48000.00} came from, Again XXXX repeat the same information from the letter that the information 's in my account on the Navient website are not accurate. I ask XXXX to resubmit my complaint because I want to find out Where the {$48000.00} came from. XXXX informed me that he will resubmit the complaint. After a week speaking to XXXX, I receive the letter. When I review the letter, it seems like someone manually pushing some numbers to make information looks good. After about two weeks I called Navient again, no one seems to know what I'm talking about. No one can find my complaint and no record about the {$48000.00}. They keep telling me that the information 's in my account on the Navient website are not accurate. I went back to Navient website, I see everything has been changed with no explanation about the {$48000.00} and my balance still the same. Please I need help and any law advise. I attach all documents with the loan information, the letter and the correction they made. The first document is with {$48000.00}, second is the letter and last is the correction they claim that they made. | ||||||
| 03/30/2017 | Yes |
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| This is a followup to my complaint against Navient filed on XX/XX/XXXX in regards to late payments on my student loan accounts. The previous case number is [ Case number : XXXX ]. Upon speaking with them on both yesterday & today, their response was that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how the lender is to handle a situation when subsequent information updates a report that was allegedly accurate in the present time ( i.e., the identical situation I am currently in. ) https : XXXX The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' Navient representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX to XXXX XXXX that any subsequently initiated deferments or forbearances would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in forbearances. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my Navient accounts that were part of the XXXX XXXX to XXXX XXXX late payments show forbearance status effective as of " XXXX XXXX. '' Also, I was on an unemployed deferment up until XXXX XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with Navient, both as they actually existed and as Navient has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the XXXX accounts showing a total of XXXX 90-180 day late payments from XXXX XXXX to XXXX XXXX be updated and/or corrected and removed. | ||||||
| 06/27/2022 | Yes |
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| Navient was sued by XXXX XXXX XXXX across the nation and they stated they would cancel the debt of the loans that had defaulted based on certain criteria laid out in the finalized agreement with the court. I received a response from Navient that unfortunately while I met all the criteria for student loan cancellation, my loans were not on the list of for profit universities through my CFPB complaint. The CFPB closed the case. However I stated I fall under Category 3 Non traditional Private loans below : Category 3 Criteria : Non-traditional Any non-traditional private education loan with an outstanding balance and in Past Due Status as of the Debt Relief Forgiveness Date disbursed by SLM XXXX lenders, subsidiaries, predecessors, successors, and/or affiliates after 2002. Non-traditional as used herein means a private education loan disbursed ( 1 ) to a borrower with a XXXX score below 670 at origination to attend a private for-profit educational institution; or ( 2 ) to a borrower with a XXXX score below 640 at origination to attend a public or a private not-for-profit educational institution. Please see page 42 on the consent order that Navient signed under Category XXXX Criteria for non traditional private educational loans. Navient has done nothing to cancel my defaulted loans, and refuse to cooperate and instead believe I do not qualify while simultaneously acknowledging that the loans have been past due and delinquent for years and say they do not understand because when I forwarded them the signed agreement the representatives believe I should have the loans cancelled. I do qualify for the debt cancellation for every tuition answer loan that was taken out. I under the Category 3 Criteria non traditional private educational loans. I had a XXXX score under 640, tuition answer loan XXXX, to attend a not for profit educational institution. I asked Navient to respond to my request and they sent a letter that I attached below from XXXX XXXX an advocate for Navient. I requested to show proof that my XXXX score was above 640 at the time of origination and they stated they would research the information. However, since they already made this decision wouldn't they have proof that my XXXX score was above 640 considering they sent this letter stating I didn't qualify. The facts present that my XXXX score could not have been above 640 at time of origination because I had to have a cosigner. Navient is not cancelling the loans as they have stated they would do with the Multi State GA agreement. I qualify because my XXXX score was under 640 at time of origination, under the order of the court. I have attached all correspondence from Navient and myself. Also, I have attached the XXXX XXXX agreement. Please see page 42 under Category XXXX private loan cancellation. | ||||||
| 02/03/2021 | Yes |
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| In XX/XX/XXXX, I applied and was approved for Income-Based Repayment which as I was told by my loan servicer, which at the time was Sally Mae was the only step I needed to take at the time to work towards the Public Service Loan Forgiveness Program. I re-certified my income year after year to remain on this IBR plan and collected my Employer Verification forms for the ten years that I have continuously worked for 501 ( c ) 3 organizations as instructed by my loan servicer, which is now Navient. In XX/XX/XXXX, I attempted to submit those Employer Verification forms through studnetloans.gov as instructed by Navient but the system did not allow to do so. When I called Navient to inquire about this, they told me that I would need to send the Employer Verification forms to XXXX who processes all requests for Public Service Loan Forgiveness at this time. I faxed all the needed forms to XXXX on XX/XX/XXXX. I called to XXXX regarding receipt of this paperwork on XX/XX/XXXX and was told I needed to wait 30 days to confirm receipts of faxed communication. I called back to XXXX on XX/XX/XXXX and was told they had no record of communication from me but that fax communication may be delayed due to the holiday. On XX/XX/XXXX, after speaking to a customer service representative at XXXX and still being told there was no record of me in their system, I was transferred to a Public Service Loan Forgiveness Specialist in the organization who notified me that a denial letter for my application to the PSLF program had been sent to an old address that had been on an Employer Verification form from a previous employer. She stated over the phone that my application had been denied because I had failed to consolidate my Stanford loans into Direct loans when I originally began my income-based repayment in XXXX. However, never between XXXX and XXXX had I been notified by Navient that I needed to consolidate my loans into Direct loans in order to participate in the program, even though I had inquired to make sure I was on track with the PSLF program throughout my 10 years on IBR. During that time I was only told that as long as I made good faith payments on the IBR plan, I could apply for loan forgiveness after completing 120 payments. I asked the representative from XXXX to send the denial letter to my current address, and it is attached here. My conversation with the XXXX PSLF representative was the first I had heard about the need to consolidate by Stafford Loans into Direct Loans in order to participate in the program. At that time she advised me that none of the payments I had made on my IBR plan since XX/XX/XXXX would count towards the 120 payments needed to apply for loan forgiveness, but I was never given this information by Sallie Mae or Navient who have been my loan service organizations. | ||||||
| 10/02/2019 | Yes |
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| I graduated from college in XXXX. I submit an application for a private student loan consolidation to Sallie Mae in XXXX, who was eventually taken over by Navient. The total amount was {$33000.00}. I recently contact Navient for information in regards to my original loan documents. The only documents that I am able to obtain from the company is a private student loan consolidation application. Navient is unable to provide me with any type of promissory note that shows that I accepted the terms of the consolidation nor can they provide any proof that the original loans were actually paid off. The reason that I contacted Navient for this information is based on the balance of my loan decreasing very little over a 12 year repayment time frame. The original disbursement amount showing within the Navient website is {$33000.00}. I made payments between XXXX - current totaling {$33000.00}. The payments were allocating as the following : Principal - {$13000.00}, Interest - {$20000.00}, Fees - {$300.00}. My current remaining balance is still {$21000.00}. If my payments continue as they have over the past decade, I will end up paying around triple the amount of my original loan. I became unemployed between XXXX - XXXX due to being employed by a company that was involved with the XXXX XXXX situation. During the time frame of XXXX-XXXX when I was unemployed, I was only ever offered forbearances and now options to assist in payment plans of any kind. I had minimal income, however I always attempted to maintain my history with my student loan, however my intentions were not always realistic when collecting only unemployment funds for nearly 2 years. In light of the new information in regards to Navient/Sallie Mae targeting student loan borrowers to pay forbearances to maximize profits via interest payments has convinced me to file this complaint. Not only do I believe that I am a victim of predatory lending, I also believe that there is no documentation to back up that I even agreed to the terms within the loan application as I never signed any type of promissory note or a promise to pay in agreement with terms. I believe that all practices involved in my example listed have been predatory and not in the best interest of the borrower, however I put my trust into the company for 12 years. I have paid over {$33000.00} total and my balance has decreased by {$12000.00}. I still show an existing balance that I have yet to pay of over {$21000.00}. This is a perfect example of predatory lending, inappropriate allocation of payments and not housing appropriate documents for a consumer lending agreement. I have finally reached a point where I feel a complaint and legal action is in the near future as this is clearly an example of unfair practices and not in the best interest of me, the consumer. | ||||||
| 03/28/2017 | Yes |
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| I graduated from XXXX University XXXX XXXX. Like many others, my family was not able to pay for my college education, and we were left with no other choice but to borrow the funds needed to send me to college. My step father, is the hardest working man that I 've ever met. He is a XXXX, and is soon to retire due to physical limitations ( with little to no XXXX due to the recession ) .When my dad and I took out this loan, the original balance in XXXX was {$27000.00}. Approximately in XXXX, when the loan was serviced by XXXX, both of my parents were hit by the down economy ; my mom lost her job and my dad 's hours were cut to part time. This was a devastating time for my mom and dad who were struggling keep the lights on and food on the table, let alone pay a {$400.00} a month student loan bill. Meanwhile, I was just out of college working at a XXXX making {$8.00} an hour. Needless to say, without any other choice, my family defaulted on this loan. It destroyed my dad 's and my credit scores which has taken me over ten years to rebuild. I had a few other student loans that I was able to consolidate with the US. Department of Education ( XXXX ) with a reasonable interest rate and an affordable payment. However, since this loan was a private student loan, it was not able to be consolidated with my other loans so I was left with this 9.5 % interest rate and high balance that is not moving despite our recent excellent pay history. I wanted to begin my adult life and begin to rebuild my credit so we entered into a repay plan to get our loan out of default and back current. We completed the repay plan and got the loan current, which was not an easy task. Here is where we are now feeling the affect. After we completed the repay plan and got the loan brought current, XXXX then capitalized the 2+ years of delinquent interest, fees, late charges, etc. back into the loan amount. The balance after the recapitalization was well over {$40000.00}! We have been current on this loan for the last several years paying {$410.00} a month. I feel that this loan is nothing less than predatory. It is now twelve years after the loan was originally issued and I do not see how I will be able to pay this loan off. Every extra dollar that I have goes towards this loan which takes things away from my daughter and my wife which is not fair, and I do not think that should be the penalty of wanting to obtain higher education. My parents are now over XXXX and my mother 's health is deteriorating. She will be forced to retire from work soon ( with no XXXX due to cashing it out during the recession ). My dad can not afford to assist me on this loan, and he as well will not be able to work much longer due to physical restrictions. I will ultimately default without your assistance in restructuring my balance. | ||||||
| 04/08/2016 | Yes |
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| I have been out of collage for over 20 years and owe more now on a loan I have been consistently paying then when I took the loan out. I am a XXXX who qualifies XXXX for Public Service loan forgiveness -- however -- due to the practices of a company I fortunately am no longer with I can not use this Shortly after I graduated my loan was sold to Sallie Mae -- I had no say in this and it took many years and law changes for me to be able to transfer my loan. I have a fixed interest rate at 8 % and Sallie Mae would change this at whim to as high as 40 % -- I often did not notice this till tax time -- when I would call them they would put it back but I was told nothing could be done about the accrued interest it was a computer error. Sallie mae told me they did not offer public service loan forgiveness -- or any other of the relief programs offered by the government because they were a private lender ( so I was unable to have an income based payment of any kind ) Recently about 2 years ago my loan was able to be move ed to XXXX XXXX XXXX -- I filled out all the documentation and for Public Service Loan forgiveness and I qualify for the time I have been with them ( my school qualifies and I am on a income based repayment plan ) -- however for the years I was not with them I did not qualify because I was not an an income based repayment plan ( through no fault of mine the company did not offer it and I did not choose the company I had no say in them getting my loan ) So even though I am no longer with Sallie Mae they are still drastically effecting my ability to repay this loan -- not only did the principle double while I was with them -- but they did not offer federal programs that would of allowed me to be nearly finished paying this loan. During the time I was with Sallie Mae I was in a better financial situation-and was able to pay my loan consistantly-Since XXXX 2011 my husband has become a XXXX XXXX veteran -- we have been living on XXXX salary ( mine ) I have had to place my loan in deferment in order for us to survive while we are working on getting him social security. Even though I support him XXXX financially I am not allowed to claim is as a dependent on my taxes which would help lower my income sensitive repayment -- -- -I do not know if you send information to the government on possible relief situations but for those XXXX XXXX persons or spouses of people with XXXX XXXX I believe there should be some sort of loan forgiveness program And as far as the public service loan forgiveness is concerned maybe some changes should be made -- -If a person meets the job qualifications they should qualify no matter what type of repayment schedule they were and are on -- -as I am sure Sallie Mae is not the only company that does not offer income based repayments Thank you | ||||||
| 02/02/2021 | Yes |
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| This a formal complaint that you are reporting false and erroneous credit information which has negatively impacted my credit scores with XXXX. 1. NAVIENT Account Number : XXXX RE : Letter to XXXX XXXX XXXX XXXX ; I am exercising my rights ; Pursuant to FCRA Section 609 ( a ) ( 1 ) ( A ) & Fair Debt Collection Practices Act, 15 USC 1692g I have attempted on numerous occasions to work with your NAVIENT to clear this matter and my good name. here are the facts : 1. I am a victim of Fraud. 2. I never received any services for the debt you claim I owe. 3. If I am remiss, you are barred by the statute of limitations to collect on this debt. ( Private student loan dated XX/XX/XXXX. ) 4. The educational institution that you allege that I received services and/or that I owe this debt to was : a. Not a qualified institution of higher learning during XXXX. b. Not properly accredited by the XXXX XXXX XXXX XXXX XXXX and XXXX during the time period XXXX. c. The institution name : XXXX XXXX XXXX XXXX participated in deceptive and/or fraudulent practieces and false advertisement by holding itself out as a reputable junior college with authority to enter its students into a contractual obligation as a legitimate institution with proper license and accreditations. d. The school XXXX XXXX XXXX XXXX was mandated to close its program titled : " Court Reporting '' or commonly known as " Professional Legal Stenographer '' due to lack of accreditation and return any borrowered fund back to the originator on behalf of its student borrower of record as : " PAID IN FULL '' e. Further, the XXXX XXXX XXXX XXXX XXXX breached its duty to perform its obligation to provide accredited educational training in the course of study known as " Court Reporting '' or commonly referred to as Professional Legal Stenographer. f. Further, if there was any aleged debt owing ; it was previously listed and discharged in a chapter XXXX bankruptcy proceeding during the period from XX/XX/XXXX - XX/XX/XXXX as XXXX XXXX XXXX. g. Further, if there is an aleged debt owing as reported it does not meet the criteria based upon correspondence from XXXX XXXX XXXX XXXX as a qualified student loan eligible for debt consolidation. h. Further, this debt has been deleted from a previous credit report and cleared, however has been re-inserted as a current debt owed by me. I would like help from the CFPB to investigate this aleged student loan debt and bring a resolution : Therefore, I request that the company reporting this aleged debt. 1. Delete this immediately from my XXXX credit report. 2. Cease and Desist from attempting to collect this debt. 3. Remove my name from their collection list. 4. Send me notification that this debt is cleared and I am not longer allegedly responsible for the above mentioned debt. | ||||||
| 07/10/2018 | Yes |
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| I was a victim of predatory lending when in XX/XX/2005 at XXXX years old, I enrolled in the for profit school XXXX XXXX University. I was the first in my lower middle class family to attend college so, needless to say, I did not have a lot of guidance on school choice and student loans. I was on my own to figure it out. The schools financial aid department set me up with Sallie Mae as my lender to cover cost of tuition and room & board. Sallie Mae said I could only take out $ XXXX in federal loans and that the rest would have to be private. I barely understood what this meant, but I really wanted to go to the school so I took out the loans. They gave me, a XXXX year old, a $ XXXX loan with no co-signer and then another $ XXXX loan with a co-signer. I believe I would have been allowed to take out more in federal loans at that time as well. By the time I got my XXXX XXXX one year later, my larger loan was $ XXXX with a 17.75 % interest rate and the smaller loan was $ XXXX with a 13.5 % interest rate. At XXXX years old, after the 6 month grace period, I was unable to afford my $ 1000+ per month bill. Rather than steer me into an income based plan, Sallie Mae enrolled me in forbearance for the maximum amount of time. I didn't even know an income based payment plan was an option. I struggled to find work in the field so I went on to get my XXXX XXXX from a public university and further defer my payments. Now, a decade later, my private loans alone are at $ XXXX. I can barely afford to make interest only payments and am only seeing my balance rise. I have no credit card debt, no car debt, no mortgage. My husband and I want to start a family but even with our middle income salaries, we live pay check to pay check and have no idea how we would support dependents. I am unable to consolidate the debt because it is too high and my debt to income ratio basically prevents me from taking out a small business loan or any other type of loan. The income based plan Navient has me in now is not actually based on my income and never will be. In fact, every 6 months, the program requires the interest go up .5 % so I'm seeing my monthly bill increase by $ XXXX every 6 months. It's back up to a rate I can barely afford but they wont bring it down even though my income remains constant. I would have no issue paying a fair interest rate on the loans, but a credit card interest rate for student debt is not what I would consider fair. I believe the lender and school were working together to defraud vulnerable young students. Im working in the public sector with the hopes that at least my federal loans will one day be forgiven ( if PSLF remains in effect ), but I anticipate paying Navient exorbitant fees for life unless these lawsuits against them work out in the favor of us borrowers. | ||||||
| 11/04/2016 | Yes |
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| I am XXXX and I receive SSI social security benefits in the amount of {$730.00} per month. Prior to becoming XXXX I had about {$54000.00} in student loan debt that was in good standing under the income based repayment plan. My payments where XXXX dollars per month. I could have left them like this indefinitely. Several years ago, the federal government changed the rules on how student loan debt can be discharged and I was encouraged to apply as I was eligible under the new rules. My credit score was XXXX prior to applying for this relief. I was granted the discharge and my credit score went from XXXX to XXXX overnight. I was aware that I would incur a tax liability for the XXXX debt and I am OK with this. I was not informed that my credit would be destroyed in the process. This has happened to hundreds if not thousands of XXXX people who have sought and received this " relief ''. Furthermore, this is not happening to everyone who applies but it is to many. It appears that it may depend on your loan servicer. Mine was NAVIANT. The legislative intent of the rule change was to help relive XXXX and poor borrowers of debt they will never be able to pay off, not to destroy the credit of people already under significant financial pressure. I was encouraged by XXXX to take an action to destroy my credit without being informed of this. I did research the topic and did my due diligence but as I said it appears that this depends on the servicer so you can not get consistent information to make an informed decision. I contacted XXXX and asked if I can undo what I just did and they said I can by sending them a statement but I have no guarantee that my credit will be restored to its prior standing before this occurred. I can see a scenario where I re-assume this debt AND my credit remains destroyed. So, I am stuck. This is unfair. IT violates the spirit and intent of the law. It is also not uniformly enforced and is thus dissimilatory since it depends on what servicer you were fortunate enough or in my case unfortunate enough, to have. We all know how vital good credit is today. You need it to get and maintain housing and should I ever be able to again, returning to work. I was led to believe this was a good move to make. It has been the worst decision that I have ever made. Had I been informed of the implications of this I would never have initiated it in the first place. Because my loan was in good standing prior to all this I could have let it stay this way forever. The net effect of this decision for me, at the end of the day, was to destroy my credit. Nothing good has come from this. This is even happening to veterans who are XXXX and seeking this type of relief. This is unfair. I am not the only one. There are many of us in this situation. Can you help me to right this wrong? | ||||||
| 07/07/2022 | Yes |
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Web | Servicemember |
| I received an alert today, XX/XX/2022 regarding a Navient account. Stating that my account is reporting Delinquent causing a decline in my credit score of XXXX points. Please advise why? Per the Department of Education : Biden-XXXX Administration Extends Student Loan Pause Through XX/XX/XXXX Contact : Press Office XXXX XXXX XXXX ) XXXX, press@ed.gov Today, the U.S. Department of Education ( Department ) announced an extension of the pause on student loan repayment, interest, and collections through XX/XX/2022. While the economy continues to improve and COVID cases continue to decline, President Biden has made clear the continuing need to respond to the pandemic and its economic consequences, as well as to allow for the responsible phase-down of pandemic relief. The extension will provide additional time for borrowers to plan for the resumption of payments, reducing the risk of delinquency and defaults after restart. During the extension, the Department will continue to assess the financial impacts of the pandemic on student loan borrowers and to prepare to transition borrowers smoothly back into repayment. This includes allowing all borrowers with paused loans to receive a fresh start on repayment by eliminating the impact of delinquency and default and allowing them to reenter repayment in good standing. The Department will also continue to provide loan relief, including to borrowers who have been defrauded by their institutions and those eligible for relief through the Public Service Loan Forgiveness program. FSA will establish new partnerships to ensure that borrowers working in public service are automatically credited with progress toward forgiveness, eliminating paperwork that prevents many borrowers from getting help. FSA will also continue to transfer loans to servicers committed to working under new, stronger accountability rules. The Department of Education is committed to ensuring that student loan borrowers have a smooth transition back to repayment, said U.S. Secretary of Education XXXX XXXX. This additional extension will allow borrowers to gain more financial security as the economy continues to improve and as the nation continues to recover from the COVID-19 pandemic. It remains a top priority for the Biden-XXXX Administration to support students, families, and borrowers especially those disproportionately impacted by the pandemic. During the pause, we will continue our preparations to give borrowers a fresh start and to ensure that all borrowers have access to repayment plans that meet their financial situations and needs. Delinquent Account XX/XX/2022 XXXX has appeared on your credit report. XXXX XXXX NAVIENT Industry Type GOVERNMENT STUDENT LOANS XXXX Address XXXX XXXX XXXX, XXXX XXXX, PA, XXXX Inquiree Address XXXX XXXX XXXX XXXX, GA, XXXX | ||||||
| 04/30/2021 | Yes |
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| Your categories do not address my needs, which is no surprise. Why not have a category for cancel immoral, illegal, unjust, capitalized usury? I have paid {$69000.00} for the last 23 years on time, I only borrowed {$34000.00}. I am requesting and have requested ( begged ) via Navient and the Department of Education Ombudsman that the rest of the usury amount showing owed be canceled. I requested a copy of the phone calls I made on XX/XX/XXXX, they advised I need a court order or must hire an attorney. Really!!?? Incur more expense and time dealing with a loan I have paid for twice? Navient is one of the main reasons that Americans no longer have ANY trust in the so-called system. It is rigged by greed from top to bottom. Navient 's agents and supervisors are merely hired gatekeepers without a good moral compass. They and the Department of Education hide behind complex laws and regulations that they bribed legislators to pass. This is the height of evil. If you all are just playing with people and pretending to protect consumers, you are also evil. If you send me a scripted response instead of actually meting out justice, it will prove my case. I have paid what I borrowed TWICE. The right thing to do would be to just cancel the rest and move on. The government via Navient and it's pawns wants to enslave me for life. My loan was consolidated in XXXX, 27 years ago, I originally borrowed in XXXX, 36 years ago!!!! I was in school full time from XXXX getting a Ph.D. Unfortunately, that was a mistake on my part, believing in the so called American Dream. But, I have paid a VERY high price for this mistake already, and should not pay another day!!! You people will not get away with this financial genocide that you are perpetuating on Americans like myself. From this day forward, every dollar that is exhorted from me via usury and capitalized usury added to my original amount will be a mark against this government, because it is rooted in systemic elitism that is encoded within labyrinth student loan laws. The government has not fooled us! I don't care how many laws and lies you throw my way, they are all UNJUST. Every dollar that I pay going forward will also be blood money on your hands because you are not working hard enough, boldly enough, or courageously enough to do the right thing. Lastly, one of Navient 's supervisors even laughed at me while I was crying. That's OK. It demonstrated to me how right I actually have been about the systemic corruption, systemic elitism, and for those of us who are XXXX systemic racism. I will WIN in the end because I have done the right thing. The government can hide behind unjust laws, Jim Crow Codes and Regulations, and deceive itself forever. Rest assured that it will be amusing conversation to the XXXX, but it is not amusing to me! | ||||||
| 04/14/2018 | Yes |
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| Ive been dealing with Sallie Mae ( naviant ) Since I borrowed loans in XX/XX/XXXX. Since then Ive been making payments and sometimes have missed a couple. There customer service is horrible and abusive. In the past Ive mentioned there law suite on the phone to a manager for unlawful loan practices in our phone conversation and the supervisor hung up on me saying we cant discuss that. In one phone call the collector told me if I cant make a loan payment I should sell my house and belongings because their going to come get them after we go to collections. Most recently XX/XX/XXXX I lost my job after 3 yrs as a XXXX XXXX XXXX. During that time I was unemployed and was getting NY state unemployment for XXXX a week. Not enough to pay all my bills and provide for my kids and family let alone pay XXXX a month in student loans. I was unable to pay them. I called countless times to naviant to see if they could help me and do something with my loans since I was unable to pay until I got a new job. Their reply was its not our problem you dont have a job, pay your loan or we will take you and your family to court. Also in previous years I wanted to take my co signers off the loan and they said thats not possible because they are responoble to pay as well and cant be removed even though I was making payments every month. Now I have a new job but I am making 20k less a year. Ive told them most recently in weekly phone conversations that I cant pay the XXXX a month I use too because I make 20k less a year now. The money just isnt there. Their response is thats too bad thats the best we can do, pay it or be prepared to go to court. Honestly at this point I am not sure what to do? I am not trying to avoid paying them but they are so hard to work with and dont what they do or say as long as they can squeeze money out of you. When I was making monthly auto debited payments they would call my co signers and day I wasnt paying to try and get additional payments. Not right! Also my wife has students through them as well. obviously our house hold income is the same but they are unwilling to help her with her loans as well. They didnt offer the same financle hardship repayment program to her. They said it didnt apply to her loan and situation. Its the same household and situation. These are only a couple examples of the last 15 years of dealing with them. Its been the worst experience and most regretful decision Ive ever made. I need advice. Honestly I can say whole heartedly that if I knew that I would have to deal with them when I was thinking of going to college I would have never gone to college. It wasnt worth going to college to deal with them and their absolutely ruthless loan practices. I advise young people to not go to college if it means dealing with navient. XXXX XXXX | ||||||
| 06/12/2017 | Yes |
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| On X/XX/2017 I called Navient customer service per their web site information stating that to contact them in order to have over payment of private loan payments applied to the principle instead of the next payment. The first representative I spoke with made it sound like a drawback that my loan would be paid off early. Her tone was one indicating warning instead of what will be a celebration for me. She almost hung up when I first called because she could n't hear me due to the loud call center she has to work in. I could hear her and the background operators. The language used " move the payment date forward '' or " apply to next payment '' in the phone conversation and on the web site does not indicate clearly to me, as a consumer, that the over payment will be applied to the principal. Then, when I log in the next month after overpaying and thinking the extra was going towards my principal payment, the only difference I see is that my minimum payment has been reduced as they applied the extra amount towards the next payment which is not what I wanted. Furthermore, their web site says that you must contact them in order to have the over payment applied to the principle of a private loan. The customer service agents acted like it was my fault for not selecting the appropriate option when submitting payment online. I know from dealing with them as XXXX XXXX and my additional over payment was not applied to my loan principal that this company is not trustworthy which is the main reason why I want to pay extra to get out of their unethical system. " We will apply any over payment to next month 's payment unless you are enrolled in automatic pay or instruct us to do otherwise. * '' XXXX XXXX XXXX The second rep I spoke with interrupted me instead of listening. She wanted to tell me what was going on with my loan ( I had just made a payment and knew how much the minimum wa s ). When I explained that I had made a payment minutes before, her response was to laugh and say " It takes a little while for the payment to post. '' ( Please tell me something I do n't know as an XXXX XXXX and an online payment user since they were invented. ) I had to be super assertive to get her to repeat to me the words I used " over payment will be applied to principal in the future '' so I knew there was an understanding for what I needed. She said she would have to send a note to the department which handles payments. I asked if I could receive a copy so that I would know the note was sent and explained my request correctly. Her tone changed when I let her know that I would be filing a complaint with th e Consumer Finance Bureau. Pushing a payment date forward and applying to the next payment is not the same as applying the over payment to the principal. | ||||||
| 03/19/2015 | Yes |
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| I am trying to deal with Navient ( formerly XXXX XXXX ) regarding private loans that were taken out for my college tuition ( both under my name and with my mother as the primary borrower and myself as the cosigner. ) They have admitted over the phone repeatedly that if you are n't giving money to them over the phone ( the exact amount that they want, which is exorbitant, ) they will not document the phone call. Because of this, I have started dealing with them only via paper letters, which they have not taken kindly to. For the loans where I am the primary borrower, they are expecting well over $ XXXX/month payments which are unreasonable with my income. I have given them multiple financial statements over the phone, which they apparently are n't putting in the system because the next time I talk to someone there they say that there 's nothing on file. When I give them the statements, they agree that $ XXXX/month is too much, but that they have nothing else available. When I ask what they recommend I do, they say to not even bother sending the amount that I can actually afford without losing my home and car ( needed for my job ) because it 's not enough to do anything worthwhile. Then they make fun of me for not going into the career path that I was hoping to while in college and demand to know when I will be. For the loans where my mother is the primary borrower, she has one in a lower payment plan. We have confirmation numbers for the payments and they have been taking them out of her checking account, but then we received a letter in the mail stating that the payment plan has been rejected ( no reason why, which we 're trying to find out in writing. ) Yet even after the date the letter was sent, the money has still been taken out of her account by Navient. She 's also still receiving letters and phone calls that that particular account is delinquent, even though she 's making payments on it. I am at my wits end with them, trying to contact them via paper ( I refuse to talk to them on the phone anymore, as it 's resulting in me having panic and anxiety attacks every time they call. ) I do n't want to go into default, but I ca n't afford anything close to what they are demanding for these loans. I have used up all of my forbearance time on these loans ( which I paid {$150.00} every few months to put them into when it was XXXX XXXX. ) It 's almost making me wish that I never went to school at all, and also wish that my school had done a better job educating about what private loans really are instead of having me just sign a piece of paper for more money towards tuition ( XXXX XXXX and XXXX XXXX of XXXX. ) My federal loans are in a reasonable repayment plan based on my income ... why ca n't private loans be the same way? Please help or advise what I can do! | ||||||
| 03/21/2016 | Yes |
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| Navient has hidden that the private loan it is trying to collect can be discharged via a private student loan discharge application. Background : Around 2012, the Borrower, ( XXXX XXXX ) was XXXX or XXXX with a XXXX. She wanted to attend a for-profit culinary school. The tuition was so high that her federal loans and grants did not cover it. The school said XXXX XXXX should take out a private loan. But neither she nor her mother had good credit. Subsequently, XXXX XXXX, a friend of the mother of XXXX XXXX, co-signed the private loan. Fast forward a few years. XXXX XXXX was unemployed for many months but eventually found employment driving a truck at the airport for which she earns {$11.00} an hour or about $ XXXX a year. XXXX XXXX has been having trouble paying her private student loan. Now that she is employed, she is willing to pay {$100.00} a month towards the loan. That is over 25 % of her discretionary income, as defined by the federal government in its income driven repayment plans. Navient is the servicer/collector calling the borrower on the her defaulted private loan ( which now amounts to {$19000.00}. ) Navient will not accept the {$100.00}. This is why. Navient has been calling both XXXX XXXX and the co-signer. But XXXX XXXX has XXXX and gets XXXX by the calls. XXXX XXXX is not in any position to pay the debt of XXXX XXXX as she is XXXX and unemployed. The husband of XXXX XXXX has informed Navient 's caller, a XXXX XXXX, that XXXX XXXX is very ill due to XXXX and that the calls are upsetting her. Rather than advise XXXX XXXX and her husband that the co-signer 's obligation can be forgiven due to her XXXX ( if she applies and qualifies ), the Navient caller has continued calling the co-signer, thereby increasing her distress. In turn, the husband and the Navient caller have been pressuring XXXX XXXX and her mother to make a lump sum payment of {$4000.00} to get XXXX XXXX off the loan. So XXXX are XXXX XXXX and her mother about the predicament and distress the loan has inflicted upon XXXX XXXX that they have asked a family friend to take an early withdrawal from her retirement account ( and incur a stiff penalty for doing so. ) However, the family friend can not do so due to earlier withdrawals already. Navient 's caller has been told this and still is using the distress of the co-signer as leverage to get the {$4000.00} lump sum payment. Several months into this ordeal, the borrower and her mother went to an elected official who in turn contacted a free lawyer. With the lawyer 's advice, the husband of XXXX XXXX asked Navient if she could file a XXXX application to get off the loan. The Navient representative, who knew all about the co-signer 's XXXX, said yes. When asked why the Navient representative had not told him earlier, no answer was given. | ||||||
| 03/12/2019 | Yes |
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| Today I contact Navient as a result of learning a company that was managing my loans ( XXXX XXXX XXXX XXXX ) was suspended and under a lawsuit submitted by the FTC. When contacting them today and within the last few months, I informed that I did on any call to Navient the XXXX was managing my loans. Each representative stated, we aren't affiliated with that company and it was not until today that I was given a telephone number to file a complaint about paying this company to manage my loans. After attempting to submit an IDR application and learning that my payments would be $ XXXX+/months, I logged in to my account and notice my loans had increased by {$20000.00} since 2015. Outrageous! The representative told me the only option I had was to go into forbearance plan where she then mumbled off a disclaimer about paying interest but never mentioned my interest rate would increase. I am single and pay a mortgage and car note and other necessary bills alone and I don't even have credit cards as I manage my debt responsibly. I filed a complaint with the FTC about the XXXX in which I have paid over {$2500.00} to since XX/XX/2015 in which I was told my debt would be reduced from {$62000.00} to {$40000.00}. I was sent a contract that showed my payment to XXXX would be {$100.00} per month will I paid about {$75.00} to Navient. I was told the {$40000.00} would not reflect until the end of the XXXX year contract. I am learning that none of the money I paid to XXXX went towards my loan and only today did Navient mention I had been in forbearance for XXXX out of XXXX allowed months. I have been left no option but to go back into forbearance since I could not pay {$500.00} payments due to my loans having increased from {$62000.00} in 2015 to now {$80000.00}. I have never been late on any payments to either Navient or XXXX. I do not understand how the XXXX was allowed to scam students for this long. Navient also took advantage of the situation and accepted all documents from XXXX and increased the interest rate without my knowledge especially since I did not submit the documents directly to them. I am requesting that I be refunded my money not only from the XXXX but Navient completely forgive my student loans! A formal lawsuit should be filed against Navient as I have been an honest paying citizen who was taken advantage and now being asked to pay {$80000.00} in student loans and now only being given a reasonable payment of a car note with no other options but forebearance. I have all the documents that show the contract that was presented and the interest rate increases of Navient ; however, I am unable to attach them to this complaint since they all include my SSN, account numbers and/or address. I would like for some assistance with the balance of my loans. Help please. | ||||||
| 09/27/2017 | Yes |
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Web | Servicemember |
| Navient reported me as 120 days past due during their process of returning my loans to Dept. of Education. This act along with numerous hits on my credit report almost caused me to not be able to get a job. I ca n't get a car loan because of this reporting. I was unemployed for 7 years. Most of this time I was on deferment with Navient. Every 6 weeks or so they would send me an email to let me know it was time to reapply for deferment so that it would not affect my credit. In XX/XX/XXXX, my present employer did a background check on me and said Navient reported me as being 120 days past due. If I had not shown them the XXXX balance from Navient, I would have not gotten this job. I did n't get a notice of this transfer from Navient nor was I provided with a way to continue to reapply for deferment. After my employer gave me the credit information, I logged into my Navient account and the balance is XXXX and the status was " Paid by Navient/Dept of Education ''. I was confused by this. It took me 3 more days to find out that CFPB had sued Navient. During this time I suppose Navient just decided to transfer the loans and not provide an alternative method for me to continue to be in deferment. In XX/XX/XXXX, I was reported by Navient as being 120 days past due. My math tells me they put me in default 4 months prior to XX/XX/XXXX even though the DOE said the loans were sent back to them starting on XX/XX/XXXX ( the last entry in my Navient account is XX/XX/XXXX ). I do not understand why Navient did not communicate with me before my credit was destroyed. I also do not understand why they have so many entries on my credit report ( more than 100 entries in a short period of time ). My credit before this, even while I was unemployed, was XXXX. It is now XXXX and XXXX and I ca n't get a car loan so I can get to my new job without getting a ride from a relative. I would like to know why Navient reported me as 120 days past due and why so many entries on my credit report. I would also like to know why my Navient account shows " paid by '' instead of " transferred '' to DOE. I had to search to find this information. Also, it looks like Navient reported me 120 days past due in XX/XX/XXXX, but the loans were not moved back to the DOE until XX/XX/XXXX. 120 days would be about XX/XX/XXXX. By the time XX/XX/XXXX came around my loans were already in default and now I 've had to enter into a rehabilitation program with DOE before I can find another lender to consolidate the loans, which means more interest is going to accumulate. I feel it was extremely unfair for Navient to destroy my credit this way. I ca n't get my own apartment or a vehicle because of this issue. All they had to do was tell me how to continue with deferment instead of destroying my credit. | ||||||
| 02/05/2017 | Yes |
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| I have been off and on an income based repayment plans with Navient. I have been having problems with them not processing my applications. I submit all info, they tell me that they have received it. Then I would get an email saying my next payment is XXXX. I call and they tell me to wait until I am closer to the due date. I do, and the amount does n't change. I call back and they tell me that they have not received all of the information and I will have to resubmit my application and force me to do a forbearance agreement. They have taken the {$590.00} out of bank account twice. The first time I called I was told that I was on a XXXX mo IBRP. I had to go to my bank and fill out a report that I did not authorize that payment. The second time was " for the remaining XXXX months of the XXXX and my plan expired. '' I again had to go to the bank and file another report. I removed my account information for the auto pay. Then I was told that I had to add my husband 's financial information even though this debt was incurred well prior to my even meeting my husband. He is also an XXXX XXXX XXXX with a security clearance. So I did as I was told to go to XXXX and the IRS would send our tax return info directly to them. I received confirmation from the government that it had sent the information. Navient initially told me that it had received the information and that it had not processed the information yet and to check closer to my XX/XX/XXXX due date. I did, it was still showing the XXXX amount. I called and then Navient claimed it did not receive the information and I would need to resubmit again and again forcing me into yet another forbearance until XX/XX/XXXX and then they changed it to XX/XX/XXXX. My account is showing an amount past due of over {$1100.00}. The short times I was on the IBRP all payments were applied to interest. I owe so much more now than the original loan amounts. I have XXXX loans with them, but I am attaching screen shots of the larger XXXX, but the same thing is happening to the smaller loan. I have been trying to work with Navient since it took over XXXX ( who did not treat me well either ) and have been arguing with them since XX/XX/XXXX of last year, just trying to get these loans paid. They keep putting me into forbearance agreements and, at this rate, I am never going to be able to pay off these loans. I have finally got my credit situated and the fear of Navient reporting this to the CRA 's is devastating. I feel that they are taking advantage of me by abusing the system and waiving the fact that it will be reported to the CRA 's and they should be stopped from this unfair practice. I also have been sending them information to change my name to my married name for almost XXXX years. They have me as XXXX and my married name is XXXX. | ||||||
| 08/29/2017 | Yes |
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| So to begin, two years ago I enrolled my loans into an income based repayment scheme. Things in my life have n't gone exactly as planned and my ability to pay is impacted by what I can afford making XXXX more than minimum wage with life expenses. Last year I had a secondary part-time job that pushed my income up by 100-200 a week that I was using to repay other debt. This job however, pushed my income above the federal poverty line for Massachusetts ( which is n't really hard to do with a $ XXXX minimum wage ). I 'm a bit old fashioned when it comes to important things, and thus with my student loan servicers I ensure that I get paper copies of correspondence in the mail. This includes when I need to renew my XXXX This year however, Navient mailed me my XXXX paperwork one day before it was due, so I was 4 days late on renewing my XXXX plan. This is the start of my troubles. on XX/XX/XXXX the Dept. of Ed. confirmed that my XXXX was sent over to navient and that I should receive correspondence from them confirming this. I did not. Watching my account, ( which I had not been able to make a payment on due to owing the IRS money in taxes due to some debt settlements pushing up my income artificially ) I noticed that like before, I did not owe a payment, and was current. Then on XX/XX/XXXX I received an email from Navient confirming that my auto-payment was confirmed for XX/XX/XXXX. I have NEVER used auto-payment for anything other than my car ( As that is my one life necessity ), and I KNOW I did not authorize them to make an autopayment. Upon seeing this email I immediately revoked their right to know my checking account information, which according to my account revoked the pending autopayment. Checking my bank account on the XX/XX/XXXX however, they still drafted an autopayment and bounced my account. Now, they have taken a payment for {$24.00} ( without my permission ) and my bank account is negative. I do not see their reasoning for why my payment schedule is what it is ( unlike last year ) and a rep is unable to provide me details as where the payment they took went. It is not reflected in my online account register and I have no tangible explanation as to where that money went, and no way to receive the {$30.00} fee from my bank back. They were too busy threatening me to pay my account ( which under normal circumstances I would ... ) instead of explaining the changes to my account. In summary 1. They enrolled my account into an autodrafting system without my express permission 2. They took money from my account via said autodrafting system when I revoked their permission to use that account 3. They can not provide me with details as to where the money they took went in a ledger form that I can understand. 4. Their customer service is bad. | ||||||
| 10/05/2021 | Yes |
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| I am writing on my own behalf without the help of any outside person. The laws referenced are available to the general public. I am aware that my rights were violated and are continuing to be violated in bad faith. NAVIENT is engaging in deceptive and abusive debt collection practices from the inception of the alleged business relationship, violating my consumer right to privacy, and undermining my confidence in the banking system. Since the consummation of the credit sale occurred after XX/XX/1977, NAVIENT is subject to consumers ' claims and defenses pursuant to 16 CFR 433.3. As defined in 16 CFR 433.1, NAVIENT is a seller subject to consumers ' claims and defenses. When the original credit sale was consummated, I, the consumer, was unaware of the seller 's business arrangement with the creditor, nor given disclosure about the determination of the finance charge along with my right of rescission. Upon review of the master promissory note, I have reason to believe and do so believe that my obligation was settled, leaving me with controlling security interest. I am aware that I am entitled to twice the finance charge for the violation of 15 U.S. Code 1635 due to my right of rescission never being simply and clearly disclosed to me. I have reason to believe and do so believe that NAVIENT is a debt collector engaged in communication in violation of multiple cease and desist notices from me, and is in violation of 15 U.S. Code 1692c ( a ) ( 1 ) and 15 U.S. Code 1692c ( a ) ( 3 ). As the consumer, I am aware of the definition in 15 U.S. Code 1692a ( 6 ) that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts. '' NAVIENT has never received my express consent to communicate with me for the purpose of debt collection, thereby violating 15 U.S. Code 1692c, generally. In light of indirect communication through the consumer reporting agencies after the character, amount, and legal status was in dispute via formal notices of dispute, I am invoking my specified remedy pursuant to 15 U.S. Code 1692c ( c ). NAVIENT has violated my cease and desist orders and communicated with relatives without their consent on multiple occasions. NAVIENT has violated 15 U.S. Code 1692e ( 7 ) by making the false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. NAVIENT has furnished deceptive forms to instill in the consumer the belief in the consumer that a debt is owed, in violation of 15 U.S. Code 1692j. I consider every word that NAVIENT has uttered in connection with debt collection to be obscene and profane language in violation of 15 U.S. Code 1692d ( 2 ). | ||||||
| 05/04/2020 | Yes |
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| I reached out to Navient Solutions LLC, the holder of my 3 student loans, several times between XXXX. I was reaching out to Navient with the intention of paying off the balance of my 3 student loans totaling {$23000.00}. When I called in and voiced my desire to make that payment, the woman from Navient asked me if I was interested in seeing if I qualified for a student loan forgiveness and consolidation program. I was not necessarily interested in the consolidation, however I told her I was interested in seeing if I qualified for the loan forgiveness. So the woman on the phone filled out the application to help me apply for what she claimed was an income based student loan forgiveness program. On XX/XX/20 she said that I did qualify for {$8000.00} in loan forgiveness, however there were some stipulations. I would have to pay what she claimed was the balance of the interest on my principle amount, {$5000.00}. I would also have to agree to have my loan consolidated and transferred to a new loan holding company, XXXX, where I would be able to pay off the balance. On XX/XX/20 I signed a master promissory note, with whom I believed was Navient, to complete this process. I agreed to pay the {$5000.00}, and on XX/XX/20 that money was drafted from my checking account. The women at Navient said that this consolidation process would take approximately 60-90 days, and I could expect to see my first statement from XXXX, with a new balance of approximately {$10000.00} around that time. I got my first statement from XXXX approximately 3 weeks ago with a balance of {$23000.00}. Shocked that my balance was {$13000.00} more than I had anticipated it being, I called XXXX to see what the discrepancy was. XXXX voiced they had no record of the {$5000.00} payment towards the interest of my balance, and they also said they had no record of any {$8000.00} forgiveness towards my balance. I called Navient, who similarly reported no record of those payments. Navient was also unable to produce any type of call log or correspondence from the communication I had with them from XXXX. Upon reviewing the master promissory note, it appears to reference another party/s, XXXX I also have an email thanking me from doing business with The XXXX XXXX XXXX XXXX. Finally, the fraud department at my bank was able to see that the money was drafted from my bank account under the name XXXX XXXX XXXX. I am not sure at what point I was scammed. I feel that someone working at Navient misled/misdirected me towards the scamming company. I never reached out to anyone other than Navient throughout this entire process. They did consolidate my loans, and transfer them to a new loan holding house XXXX, however there is no trail of where my $ XXXX went nor any evidence that my loan is being forgive any. | ||||||
| 09/07/2016 | Yes |
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| I am in approximately {$260000.00} of debt from school fees that are all from my XXXX education at XXXX University. Many, but not all, of my loans have a 10 percent interest rate. At one point I tried to consolidate, and was turned down. I have XXXX individual private loans ( through Navient - formerly XXXX XXXX ) and federal loans ( through XXXX ). I left school with {$80000.00} in debt. Paying off this debt has been exacerbated by an egregious case of XXXX XXXX XXXX, for which I have been treated ( and had to leave a semester of school for ). I was officially diagnosed at XXXX, though I struggled with this condition my entire life and am currently in XXXX. I am addressing this because the XXXX played a role in my difficulty in initially negotiating, procuring, and then paying off these loans. Many have doubled. This has become an extreme XXXX burden. In contacting you, I am attempting to address my debt in a different way, rather than paying the minimum balance I can currently afford and watching the interest continue to accrue in a way that I feel exploits me. Apparently, I 'm wasting my money as a few lawyers indicated. I am hoping to explore my options. Throughout the process of seeking legal advise : XXXX lawyer advised me to file a Chapter XXXX bankruptcy claim.In addition, we were exploring the tenets of the XXXX XXXX towards whether or not anything was dischargeable. More than XXXX lawyer indicated that a strategic default was the best option and in doing so ; destroying my credit and providing for a hand-to-mouth off the grid existence. I have explored ; to no avail, almost every avenue of reconciliation which includes income based repayment, forgiveness, consolidation, forbearances, deferment, student loan companies, etc ... Another indicated that I try to find someone to take on my case pro bono or to represent myself pro se. And, another indicated the best option was to engage in a strategic discharge that I find to be ethically and morally reprehensible. However, I 'd be judgment proof apparently. This is not what I want to do! I 've been working XXXX hours a week for the last ten years of my life. I am tired, exhausted, scared, and these loans do not seem to be getting smaller, but rather larger. Im seriously concerned with my ability to have a life socially and economically because this debt is such a burden on me. I truly am not wishing to exploit this system and want to honor my debt. However, this is insurmountable and I do not see a way to pay off the debt in my lifetime. Are there other options for me to explore? I do n't have any idea what to do now ... I ca n't get out from under this seemingly insurmountable debt. I ca n't participate in the economy in any sort of meaningful way ( house, savings, XXXX edu, car, etc. ). | ||||||
| 03/20/2019 | Yes |
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| My student loans have been through Navient for a while now. I have 2 loans, one is from subsidized and one is from unsubsidized monies from school. balances, each at 6.750 % interest : loan 1 = {$5000.00} ( is pay off amount ) loan 2 = {$6200.00} Yesterday I went online and clicked payoff for loan # 1. I then made sure in the screen that allows you to direct your payment allocation that the full {$5000.00} is being applied to that one loan. So the full loan ( number 1 ) is paid in full. So now I should only have that one remaining loan to pay, with one interest rate. I go online today to make sure everything is processed correctly since the email just states my payment was applied. No, it was not. So the history on my account shows that I applied the full amount to one loan. BUT now they have taken the remaining {$6200.00} loan and split it into two loans again ... each having their own interest rate again! So now online it says I have ( both with 6.750 % interest again ) : loan 1 = {$2800.00} loan 2 = {$3400.00} This is wrong!! So I called and the representative said I applied the payment to both loans. No ... even online, while looking right at it while on the phone with him, it shows I applied it all to ONE LOAN. So I proved him wrong there. So I said, so on my online view and the front end everything was applied right and now you guys split the remaining balance in two loans again? SO you're wrong on the back end somehow that does not show on my account? He kept wanting to argue that I applied it wrong when i didn't. I asked how they are allowed to split a remaining balance into two loans ... or even yet ... would they then split it into three loans if they want to? I want to also be repaid for the interest being charged on two loans when I only have ONE remaining. So he said he was going to submit the request to have it put back to one loan and I will have to check in 5-7 days if this is fixed. My question is, shouldn't this be seen as illegal somehow? How can they turn one loan into two and apply interest to both like that? How many people do they do this to that don't even realize it and are paying more in interest than they should be? Now I wonder if any of my payments were applied correctly in the past as well?! I have always paid on time ( for 12 years now on time! ) and for the last handful of years I have been making double payments. This now makes me very nervous to think I have paid more than I was suppose to and they have somehow applied it differently on the back end to where people can't see it when they log into their accounts. Very skeptical on this now and think something should be done about it. It hasn't been the 5-7 days for them to fix it yet ... but I just have a bad feeling this is not going to be remedied correctly. | ||||||
| 07/02/2018 | Yes |
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| I took out a student loan with Sallie May during my tenure in school from XX/XX/XXXX-XX/XX/XXXX, total amount close to around XXXX. After graduation I was struggling to make ends meet with no job and a new baby. I called Sallie Mae several times and sent in paperwork indicating I was not working. I was placed on deferment, respectively. I began working in XX/XX/XXXX and called Sallie Mae and was advised that I needed to stay in deferment vs income driven repayment plan since my income was so low. I was provided unclear information and was told I would be contacted via mail. From year to year I would call and update my information and finances and would continue to be told I made under a certain threshold and to stay in forbearance. Around XX/XX/XXXX ( my birthday ), I called and my loan was no longer with them and I was directed to Navient. Same as Sallie Mae I would call and ask to be set up on a plan and I would receive the same information. It was at the time that I wanted to begin a payment plan as I was working directly in public service and was informed that I could pay on student loans under public service loan forgiveness and be forgiven after a certain time period. I would be given the run around and was even told at one point that my loans had been paid in full. I would always ask for documentation and nothing has been sent to date, even today. Recently, my grandmother gave me a call and I was informed that the Sheriffs office came to her home looking for me. I did some research and found that XXXX XXXX XXXX, whom I knew nothing about is sueing me and XXXX XXXX is the contact for for unpaid student loans and this is the first that I have heard of me being delinquent at all. I have no knowledge of either company until 5 business day ago. My student was not handled properly and I do not understand why I was never contacted. I was planning to go back to school and now this is all shocking and disheartening. Even today when I call Navient they say my student loans are paid in full. How could that be? Now I am afraid of what will happen to me and my family as this lawyer is saying that I owe $ XXXX and I must pay now and there is nothing that I can do about it. Why didnt Navient perform their due diligence to give me a call and place under a repayment plan. I do not feel that Sallie Mae nor Navient performed their due diligence to ensure that I was treated fairly as I wanted to be on income driven repayment and then public service repayment plan and they continuously recommended forbearance based off my low income. Please be advised that I have a new address however providing my old address as the law firm is making threats and I believe this can be handled without them having my new address. My email address and telephone number are correct. | ||||||
| 02/03/2020 | Yes |
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| This letter is being sent to you in response to notices sent to / from me from the Dept of Edu / Navient and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that their claim has been disputed and validation was requested. I have asked the Dept of Edu/ Navient to please provide me with the following : What the money they say I owe is for : Explain and show me how they calculated what they said I owe : Provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : At this time, I also informed Navient that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX , XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against them for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Navient provided the following documentation : A statement summary of my account 4 Master Promissory Notes that DO NOT have my signature on them Since reaching out to Navient, action was taken which has been detrimental to all 3 of my credit reports, and I am consulting with my legal counsel for suit. The information provided by Dept of Edu / Navient includes information that is inaccurate and invalidated, but the credit bureaus have been verifying these accounts as accurate, when in fact there is no provided proof that it is accurate. The company Dept of Edu/ Navient has failed to respond to this validation request and the information provided in the Master Promissory Note must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting b ureaus : XXXX , XXXX and XXXX } should be sent to me immediately. I have also disputed this information with the 3 credit bureaus as inaccurate, and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt! | ||||||
| 01/14/2019 | Yes |
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| I am a single mother and work full time for the XXXX XXXX XXXX. I work 60 plus hours per week. I have four private student loans which are now owned by Navient. I have been paying on my loans since I graduated with my XXXX in 2009. My federal loans qualify for the income based repayment option. These four private loans are placing myself and my family in a hardship and Navient is not willing to work with me. I am currently paying {$310.00} per month. I had to let the loans default for months due to Navient not willing to work with me. Six months ago, I was paying {$250.00} and after the six months, they raised the rate and it will increase again in XX/XX/XXXX. I call every six months and are insulted by their workers. I am in tears at the end of every call and am told " This is not our problem. Get a second job. '' I am told that I need to work more to pay the loans when I am calling to try and get a lower payment. They do not apply my automatic payment correctly each month. I have to call each month because I am getting threatenting calls and once I call, the automatic payment is applied correctly. My Navient account shows loans as past due when they are paid. In XX/XX/XXXX, they withdrew over {$700.00} out of my account without my authorization. I called and they refunded the money to then turn around and take out over {$400.00}. They give no clear statement as to why a certain amount of money is taken out. I call and one person gives me an amount to pay, I sign up for the program and then I am told by another that the loans dont qualify for that program and owe more money. After my mortgage and all bills are paid, I have {$100.00} to my name. I work hard and have no time in a day for a second job. I am sometimes in the negative each month due to Navient. I did not know what I was signing up for when I took out Private Loans. The payback process was not explained to me when I was trying to put myself through school. They have taken money out of my account without authorization and when I call, they tell me that I have to make that payment or I would be taken to court and my paycheck would be garnished. Navient harrassess and bullies people. I am considering bankruptcy in an attempt to file for undue hardship becasue of these loans. I try and work with this company and try and pay what I can. They are not willing to work with anyone and steal money. I will never see the end of these loans. The amounts that are now owed do not make sense and I am always having to pay a different amount and when asked why, I am told thats the amount and either I pay it or be taken to court. My family members are witness to the harrassment and bullying. I am willing to do anything to seek help. Navients practices are not ethical and they should not be in business. | ||||||
| 01/09/2021 | Yes |
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| My name is XXXX XXXX I am aXX/XX/XXXX XX/XX/XXXXmostly patients XXXX and above in XX/XX/XXXX XXXX FL XXXX I finished my training programs in XXXX and wanted to serve my community better so I got a job with a non profit with XX/XX/XXXX. In XX/XX/XXXX I started working as a XX/XX/XXXX with XXXX XXXX XXXX of XXXX. Tax ID/EIN- XXXX My wife wanted our kids to be closer to their grandparents- so we moved to Florida. I stopped working at XX/XX/XXXXin XX/XX/XXXX - So I worked for this non profit employer about 3 years and 9 months. I started working for XXXX XXXX XXXX XXXX XXXX XXXX on XXXX I am currently employed by XXXX XXXX XXXX XXXX XXXX the XX/XX/XXXXXXXX their Tax ID/EIN- XXXX. I have been paying off my student loans since XXXX. I consolidated my federally subsidized and unsubsidized student loans around this time with SallieMae. These loans were converted to Navient loans automatically in XXXX. I have since been making student loan payments with Navient. I have been working at non-profit clinic for about 11 years now. Someone mentioned this Public Service Loan Forgiveness program. This week I went on the StudentAid.gov website to learn more. The two non profit companies I have worked for since XXXX are " Eligible '' but the website is telling me I have to have to have 10 years of " Direct Loan '' payments to qualify and not FFEL loans-Family Federal Education Loans ( the Navient loans I have been making payments on are FFEL loans ). Many other applicants have had this problem and complain the PSLF program is a poorly run Federal Program-as documented in these articles. https : XXXX https : XXXX? XXXX https : XXXX The current system is hostile to the student loan borrower and does nothing to promote working for non profit programs. Here are my complaints : -Many employees of qualifying Non-Profit companies ( possibly over half of employees ) with college degrees have federal student loans. Most non profit companies do not tell their employees about the PSLF program. -For many paying off Federal student loans the PSLF program remains a secret program. -In XXXX when I started making loan payments- Sallie Mae before Navient did not explain the PSLF program. -My loans were automatically transferred from Sallie Mae to Navient- Navient did not explain the PSLF program. -The Department of Education never contacted me- as a non profit employee making loan payments- about the PSLF program. if you want to reach me that would be great- my email is- XXXX and my phone number is XXXX thanks. I have faith that the US Department of Education really cares about people like me who have devoted their lives to public service. I'm surprised XXXX XXXX hasn't fixed these problem yet- President Trump says she's really smart. He knows all the best people. | ||||||
| 05/12/2017 | Yes |
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| On XXXX XXXX , XXXX , I entered into an automatic ACH payment plan to make my account current with Navient. I have been making monthly payments ranging from {$290.00} a month to now {$560.00} a month. I started to receive letters in the mail stating that my Federal Loans were in jeapordy of defaulting. How can that be if I 'm paying over {$560.00} a month? I called Navient customer service and they stated that only my private loans were setup on the ACH payment plan. It was supposed to be the entire account. I stated that during my call to set up the ACH with Navient customer service the call agent stated that my entire account would be brought to current and my interest rate reduced since I was on an automatic ACH. Not only does Navient offshore their customer service, they do not understand the issues as they are often reading from a script, it is very difficult to get an on-shore Supervisor. I was finally transferred to XXXX ( alleged Supervisor ) who stated that my Federal Loans were not setup on an ACH plan and I would have to do this on the website. He would not do it over the phone. I went over a multitude of issues with XXXX regarding the impact to my credit report based off their negligence and handling of my account. I had two different payment due dates for my Private and Federal Loans. I made XXXX change them to match so I would have my bank drafted for both sets on the same day. My credit report has been severely impacted because of the delinquency they have been reporting for the last 2 years. I asked XXXX to remove the delinquency as it was Navient 's fault and he stated that I had to submit a written dispute to Navient via mail. I asked if I could fax it as it would still be written and he stated no, it would have to be mailed. XXXX then applied a forbearance on my account to bring up my Federal loans to current. He then instructed me to go on to the website and setup my Federal Loan AC H payments. I proceeded to setup my Federal Loan ACH automatic payments in XXXX and the website showed that I needed to pay {$380.00} because the ACH was being activated too close to the XXXX due date. I made the payment of {$380.00} on XXXX / XXXX / XXXX . The website was calculating XXXX payments because as of XXXX / XXXX / XXXX , I do not have an amount due for XXXX / XXXX / XXXX on my Federal Loans. My Private Loan still has a payment scheduled for XXXX / XXXX / XXXX of {$560.00} The way in which Navient conducts business is utterly unacceptable. I should not have multiple due dates for my student loans. If my account is being addressed, it should be the whole account and not part of the account. Customer service needs to be onshore and not based in XXXX where people do not understand the issues. | ||||||
| 12/17/2015 | Yes |
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| I 've been working with XXXX XXXX XXXX, XXXX. since XXXX XXXX, paying them {$100.00} each month in order to have my debts with XXXX XXXX and XXXX University " settled '' or " dismissed ''. I began receiving calls from Navient in XX/XX/XXXX/XX/XX/XXXX saying that they had taken over my account from XXXX XXXX and needed to speak with me regarding my accounts. Having been informed by XXXX not to speak to any of the companies regarding my debts, but to refer them to XXXX, I attempted to contact XXXX to resolve the issue. I did n't hear back from XXXX either in XX/XX/XXXX or XX/XX/XXXX despite continued efforts on my part, calling into the office, leaving voicemails, being disconnected when the representative said they were transferring me to an account specialist. In speaking with Navient to try to help with the communication between the XXXX companies I learned that Navient was willing to try to discuss a settlement offer, and left voicemails with XXXX letting them know. I also gave Navient XXXX 's contact information, but was informed later on that XXXX was not getting back to them. In XXXX XXXX I placed a stop playment on my account to prevent XXXX from withdrawing the XXXX under their XXXX XXXX XXXX automatic payment. Once the stop payment was placed, XXXX once against starting contacting me, saying that they were working on my account, had only been authorized under our agreement to work with XXXX XXXX directly ( not Navient ), and would bring my account current and continue work to resolve my student loan debt, requesting that I release the stop payment. Due to financial difficulties I chose not to release the stop payment and was surprised to see that they had successfully withdrawn two payments ( one being a back payment ) of the {$100.00} a couple weeks later ( in XXXX XXXX ) by drafting checks payable to XXXX. I issued a second stop payment in XXXX XXXX only for them to once again change their method, this time drafting a check payable to XXXX XXXX XXXX. I have recently been contacted by XXXX XXXX XXXX, XXXX saying that they are now working with XXXX and taking over several of their accounts. I did a little research and was disturbed to find out that XXXX uses the same services and companies to withdraw money from their clients accounts. I also called Navient and found out that my account has now been placed in collections with a separate legal group who were completely unaware of my working with XXXX. I have not signed any agreement with XXXX and based on my research do n't plan to. I also worked with XXXX XXXX XXXX to resolve my federal loans through XXXX XXXX between XX/XX/XXXX and XXXX XXXX, paying them {$140.00} each month only to be told in my last conversation with OMP ( XXXX/XXXX/XXXX ) that those loans may still be outstanding. | ||||||
| 01/20/2017 | Yes |
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| This is n't a personal issue. It 's more of a public sustainability issue because Navient acts irresponsibly towards prospective, current, and XXXX students who have student loans with them. I 've been repaying their loans since I 've graduated and I 'm currently on a five-tiered repayment schedule. My family and I 's financial situation is much different than it was when I initially went to school, so I 've been periodically trying to find out how to change my payment plan to a fixed rate. It bears the least interest payments ( which is revenue for Navient ) and would absolve the issue of higher payments down the road. I 've scoped both of their websites ( one is called " Previous website '', also misleading ), to find out a ) what payment options there are, because nothing about their websites tell me they even offer fixed plans, and b ) how do they calculate the monthly payments for plans in the first place? Their official website, www.navient.com, has no information other than interest rate and principle amount. I have to go to " XXXX '' which is Navient 's " previous website '' to find out what I will be paying in the future. My other payment options are also estimated and there is nothing about fixed payment plans. I actually had to contact them via chat ( I can provide transcripts ), to find out if I could have a fixed payment plan. According to the rep, the option would be available if I looked for eligible options. My eligible options were only given to me when I filled out a form which was basically a financial background check. It was discouraging, but I did it while I was chatting. After I applied on the previous website, I told the rep that the option still was not available. The rep then said something along the lines of " a fixed rate would change your payment to $ XXXX per month '', which to me has no bearing. I asked how they even came up with that number. All I was asking was where on your website can I even find this number and the details. That 's it. This is where you want to listen. The rep told me that the fixed rate monthly payment was calculated by using the calculator located on the Navient home page, BEFORE YOU LOG IN. After I asked, the rep also told me the way to get into a fixed payment plan is by contacting Navient. I literally had to pry this information out of them. Again, I have the full transcript if you want it. This is ridiculous. I 'm over 60-70 % of my monthly payment is spent on interest and I want to reduce that for myself. You and I both know Navient benefits more from my current, 5-tiered graduated payment plan, than I do. The fixed repayment option benefits me in paying less over time, but that does n't benefit Navient. I had to jump through hoops to find out any information that benefits me. | ||||||
| 05/27/2022 | Yes |
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| My parents and I took out a parent plus loan with XXXX XXXX for approximately {$40000.00} on XX/XX/XXXX. The XXXX was sent in 2 different disbursements, 1st disbursement on XX/XX/XXXX for {$5400.00} and the 2nd was sent on XX/XX/XXXX for {$38000.00}. Sallie Mae later decided to split the original loan into two separate loans based on their dispersement ; however, we only signed one promissory note for one loan. Sallie Mae decided to only forgive one of the disbursements ( the lowest amount ) rather than the entire loan. Here is a list of the many issues we have experienced while dealing with repayment of the loan : 1. Explanation of how to remove the co-signer from the loan was not given. 2. No attempts were made to notify us of the need to re-certify annually after our income changed and we requested this to be notated. 3. We were not allowed to control the allocation of our payments between loans because it was split without our knowledge. 4. We were not informed that our loans were not dischargeable in bankruptcy before we filed. 5. We were not notified of how to have the co-signer released on our loan after we requested this several times over the years. We also filed a complaint and opened an investigation with Navient customer service XXXX named XXXX ( XXXX ) on XXXX. Investigation number is { XXXX } We Never heard back from them. Sallie may made the 1 loan into 2 loans and never explained why and assigned it 2 different account numbers without our knowledge and when we called an explanation could not be provided. Over the years we have contacted both Sallie Mae and Navient to combine the two loans back to the original one loan. We have never been able to get complete information over the original loan or complete written investigations information concerning the loans, who is on the loans, how much was borrowed initially, and a reasonable way to repay them. We were always given no options. We have all filed several complaints with consumer protection bureau and to Navient to no avail and with no resolution. We were threatened with wage garnishments and leans against our home. When we last spoke with Navient in XX/XX/XXXX and asked for an investigation and to inquire why the second loan that was created had been turned over to collections to the co-signer and charged off to the parent without being notified. As of today, XX/XX/XXXX we still have not received any response or resolution. We received a letter from XXXX XXXX XXXX on XX/XX/XXXX, that the Navient service rep XXXX stated that they worked for Navient for a balance of {$110000.00}. The letter stated we have until XX/XX/XXXX to pay {$41000.00} to settle or face wage garnishment. XXXX offered us no solution nor could he answer why loans were never combined or forgiven. | ||||||
| 11/22/2017 | Yes |
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| On XXXX, I entered into a payment plan with Navient. They said my autopay for the full payment before the payment plan would be canceled even though it was due on XXXX. When I looked at my bank account on XXXX, they took out both the autopay and payment plan payment. I immediately called and they said they would refund the full payment that wasnt supposed to be processed but it would take 5 to 10 business days to be refunded. Having both payments taken out caused my account to be overdrawn. I was told during that call, I would be refunded any overdraft fees as long as I could show that Navient caused the overdraft. I had several online orders pending using my XXXX debit card authorized on the XXXX and completed on the XXXX. The funds for those officially got taken out of my account on the XXXX, XXXX and XXXX. I had an automatic payment plan that was due on the XXXX and it was not able to be changed as it had already been charged through their system. These caused me to have 7- {$35.00} overdraft fees. I received the refund for the payment on XXXX. I then called them once I had my statement of transactions. They issued {$70.00} for the 2 overdrafts for their payments. The representative said that she couldnt refund the additional as it was policy to only cover the overdrafts due to their payments. I then spoke to her manager and he asked why they should reimburse me. I explained that the 2 payments took almost half of my income and that I had money that I was planning on depositing to cover my payment plan payment and the additional charges that were to be coming out as the purchases were initiated prior to knowing that both payments processed. He said that if I could provide the receipts showing that the payments were authorized or scheduled before both payments were withdrawn that they would reimburse me for those transactions. I called back on XXXX after I uploaded the documents and receipts to them. The receipts all show a date of XXXX or before. The manager that time claimed that those receipts were after the date the loans processed so I should have known that both payments were coming out despite me being told that the autopay payment would be canceled and not come out when I entered into the payment plan. I didnt know until the XXXX about that and that I continued to spend even though I knew my account was overdrawn. I tried to explain to this representative what the manager the day before told me. The manager did notate the account that they would reimburse me but that the representative said his supervisor said they were after the XXXX but the first manager said they would cover anything before the overdraft was discovered. That supervisor wouldnt even allow me to talk to them and only gave me the answer through the representative. | ||||||
| 03/29/2017 | Yes |
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| I HAD A STUDENT LOAN FROM AN XXXX SCHOOL MORE THAN 28 YRS AGO. AT THE TIME, I REALLY DID N'T KNOW WHAT I WAS SIGNING BECAUSE I WAS LIKE XXXX OR XXXX AND HAD JUST HAD A BABY SO I STARTED THIS XXXX SCHOOL. WELL I ENDED UP XXXX AGAIN A FEW MONTHS AFTER AND EVENTUALLY NEVER GOT THE CHANCE TO FINISH THE SCHOOLING. YEARS LATER, THIS ENDED UP ON MY CREDIT AND WAS A MAJOR PART IN DESTROYING MY CREDIT. SO I FINALLY, NOT WANTING TO AT ALL, ENDED UP FILING FOR BANKRUPTCY, THINKING THAT IT WOULD EVENTUALLY GET RID OF THE DEBT ALONG WITH THE OTHERS. WELL AFTER COMPLETING AND GETTING DISCHARGED FROM BANKRUPTCY, THE LETTERS AND THE NUMEROUS AMOUNTS OF PHONE CALLS STARTED COMING AGAIN FROM THIS AGENCY CALLED NAVIENTS. INITIALLY, I WAS TELLING THEM THAT I HAD NO IDEA OF THIS DEBT BECAUSE I 'D NEVER HAD A LOAN WITH A COMPANY CALLED NAVIENT. WELL, THEY KEPT CALLING AND CALLING THREATENING ME ABOUT THIS DEBT. A COUPLE OF YEARS LATER, A COMPANY CALLED XXXX STARTED CALLING AND HARRASSING ME ABOUT THIS SAME DEBT, EXCEPT THAT NOW IT WAS MORE THAN 4 TIMES THE AMOUNT OF THE ORIGINAL LOAN WHICH WAS ONLY ABOUT {$2200.00}. WELL, THAT COMPANY INTERCEPTED MY TAXES AND IT CREATED A DEFINITE HARDSHIP FOR ME AND MY FAMILY AS I HAD JUST LOST MY OLDEST CHILD AND ONLY SON TO XXXX. I HAD TO BORROW MONEY FROM FRIENDS AND FAMILY JUST FOR HIS BURIAL. I WAS OUT OF WORK FOR WEEKS BECAUSE I COULD NOT FUNCTION. GOT BEHIND ON SEVERAL BILLS AND MAINLY MY RENT SO I WAS EVICTED BUT A FRIEND HAD A PROPERTY NO ONE WAS LIVING IN, SO HE LET US STAY THERE. I HAVE XXXX OTHER DAUGHTERS, MY SICK ELDERLY MOTHER AND MY GRAND DAUGHTER, WHO IS MY SONS OLDEST CHILD. HE HAS XXXX. AFTER THAT, I SET UP PAYMENT ARRANGEMENTS WITH XXXX AND COMPLETED THE REHAB PROGRAM THROUGH THEM. I DID NOT KNOW THAT THIS {$2200.00} LOAN HAD BEEN SOLD TO XXXX COLLECTIONS AGENCIES. THEREFORE, THE AMOUNT OF THE LOAN HAS QUADRUPLED TO MORE THAN {$8000.00}. AFTER THE LOAN CAME OUT OF DEFAULT, DUE TO THE REHAB PROGRAM, IT IS NOW BACK IN NAVIENTS HANDS AND THE PAYMENT PROGRAM THAT THEY ESTABLISHED IS WELL MORE THAN I CAN POSSIBLY AFFORD AND WOULD CREATE AND UNNECESSARY HARDSHIP ON ME AND MY FAMILY ONCE AGAIN. TO TRY TO EVEN PAY IT OFF WOULD BE MUCH WORSE BECAUSE NOW AFTER ALL THE OUTRAGEOUS FEES AND CHARGES, THEY ARE SAYING I WOULD END UP PAYING OVER {$12000.00} FOR A {$2000.00} LOAN. I WROTE THEM AND ASKED IF WE COULD COME TO A PAY OFF AGREEMENT FOR A PERCENTAGE OF THE ORIGINAL AMOUNT OF THE LOAN AND THEY DECLINED MY OFFER, WHICH IS WHY I AM WRITING TO YOU. I GET XXXX AS A VETERAN AND I 'M BARELY MAKING ENDS MEET WITH MY FAMILY AS IS. AS I STATED, THIS LOAN IS ALMOST 30 YEARS OLD AND TRYING TO PAY THIS OFF WOULD BE NEARLY IMPOSSIBLE. AND THEY ARE DESTROYING MY CREDIT IN THE PROCESS, EVEN AFTER BANKRUPTCY. CAN YOU ALL PLEASE HELP? | ||||||
| 10/05/2016 | Yes |
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| The original loan was issued by XXXX and purchased by XXXX which issued false letters of default to numerous students throughout the United States in an effort to scare students into obtaining a loan at a higher rate to pay off the student loan. When I discovered this illegal practise and proved my case, my loan was somehow sold to XXXX ( a Government entity ). XXXX, to my knowledge, was never prosecuted for its ilegal actions. Numerous payments were made on this loan until I was under financial stress and asked for a deferment. At some point without my knowledge, XXXX became Navient. I had paid at least XXXX diffeent companies claiming to be an arm of XXXX including monthly withdrawals from my bank account. At some point after paying for a year the company unilaterally refused to honor the payment agreement and monthly withdrawals. Where did all of my payments go? XXXX refused to speak with me during the last three years. I could not get a representative to speak with me, claiming my account was in the hands of the other arms of XXXX. When unbeknownest to me, XXXX became Navient, I again received notice that I had not paid. ( remember that the arm of XXXX unilaterally stopped taking payments from my account ) Again, where di my payments go? I finally contacted XXXX, which now claims to be another arm of XXXX/Navient. They also refuse to give me a statement of my account payments, claim I owd several thousand more then I borrowed, including, but not limited to, fees added on to my account by said arms of XXXX / Navient. Meanwhile, the holder of my loan refuses to speak with me, refuses to give me a statment and history of my account, and refuses to make known where my payements went/ how they were applied, etc. This needs to be resolved to my satisfaction. It seems the Us government takes tax payer bailouts of banks which continue to abuse conumers and law abiding citizens, meanwhile, the banks getting away with ilegal activities. There are many more documents which are too numerous to scan. I am happy to copy and forward via regular mail upon request. These are just the most recent documents. The claim made by Navient is false and needs be remedied to my satisfaction. The failure of XXXX and the numerous arms of XXXX are complicit in their falsification of records, refusal to speak with former loan holders, fail to address the needs of loan holders, fail to speak with loan holders, fail to provide information and statement of account to loan holders, all of which are ilegal actions under the FTC and other organizations and laws protection consumers. I will pursue this to the full extent of the law if this is not resolved to my satisfaction. Thank you for your time and consideration of this very important and disconcerting matter. | ||||||
| 07/23/2019 | Yes |
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| XX/XX/2019 checked personal email and noticed a Navient email from XX/XX/2019 regarding an application for income driven repayment plan. I did not apply. I called and spoke with XXXX at XXXX EST. She stated there were documents that did not pertain to me, my loans, or my account with Navient. I asked that the call be transferred to a supervisor and spoke with XXXX at XXXX EST. He informed me that the call was transferred to him with the incorrect account information ( my not reason for the call ). He got back on the line and explained that the documents of another customer were incorrectly scanned into my account. He stated he would put in a support request to have the invalid documents removed from my account. Is there anything else I can help you with?. I explained that, that was not an explanation and did not make me feel less concerned as my own documentation is in my account and Im not sure whats happening to it at this time. I requested to speak with another supervisor. The call was unable to transfer so I received a call from XXXX at XXXX EST. I informed her what was going on and she stopped me mid sentence to verify my identity. This is the FIRST time Ive verified myself during this process ( which I did let her know ). She said this is a serious issue that records and documentation are NOT being verified when being uploaded to customer accounts- when being received by fax. Online uploads have a time stamp. I asked if this wouldve been caught had I not called being concerned, the answer was no since it was already an accepted application posted to my account. It wouldnt have been able to process the app, but there was no way to follow through in the duration. I did tell her there are serious repercussions of this, had I not informed them of their mistake. This girl was requesting INCOME DRIVEN PAYMENTS!!!! Im not sure what her situation is, but had it not been processed and accepted, this could have defaulted her accounts ; in turn, affecting her credit report. XXXX apologizes and thanked me for my effort, and was grateful to me for the other customer. She also said shed make a follow up call to maintain communication regarding the documentation being removed. I did ask that she upload the documents to the correct customer account. What I am upset about is XXXX, whos meant to be a supervisor, wanted nothing to do with this call. Did not want me to voice my concerns. Did not care how I felt regarding VERY sensitive and personal information pertaining to mine and an entirely separate persons account. I expressed my disappointment in XXXX to XXXX ; again, sensitive and personal account information. Reiterating that my identity was NOT verified, I am extremely concerned with how documentation and application processes are being managed. | ||||||
| 02/27/2016 | Yes |
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| I make all of my payments on time and even sometimes make some extra payments on my student loans. However, Navient makes repeated errors in crediting my payments and the only way for me to get them resolved is I have to call and spend 20-30 minutes on the phone whilst they correct the mistake. The errors are always by their representatives, often just typing wrong numbers in but the company does nothing to correct them unless I call to complain ( and wait on the phone ). Last year, they made so many mistakes I demanded compensation and after first telling me that the Dept. of the Education does not allow it, I forced them to escalate until they determined that they were allowed to credit me with {$25.00} but even that they struggled to do correctly. If this sounds generous please realize that I spent about XXXX hrs on the phone to get to the point of getting compensation but I was determined to try and get some level of accountability out of the company. All was fine for a few months but now they have just taken a payment, failed to credit it to my loans and I have spent 30 minutes on the phone whilst they correct it. I had even received a confirmation email of the payment but the employee had apparently left one number off the record and so the money was put in some Navient holding account which they do not look at unless a customer calls up to complain. Eventually I was told they would have reversed the payment but meanwhile they would be making interest on the funds. I see no reason why they would not automatically look at funds entering the account and see what the problem is. My case would have been simple to solve without even contacting me and this is what any reputable company would do. Additionally, any ethical company would compensate customers when a company representative makes errors which cause the customer to have to waste time on the phone whilst they correct them. Perhaps a 12 month rolling schedule where first mistake is {$25.00}, next one {$50.00} and so on because I really do not get the impression that Navient is interested in being accurate so financial penalties might get their attention and would at least compensate customers for the inconvenience. Lastly, why will Navient not accept a credit card payment online for the regular monthly amount but will over the phone? Makes no sense and if they did it would help reduce their error rate. They also do not accept extra payments online even if you use a bank account ( seems like they do not want to encourage people to pay off loans early ) and so force you to call them to do so. This company has not changed any of his practices in the last 2 years and the problems and wait times are only getting worse. Please hold them accountable and make them address these problems. | ||||||
| 11/17/2015 | Yes |
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| I am filing a complaint against Navient because I am stuck in my tracks, and do not know where to turn to. I need to reduce my monthly private student loan payment of over {$700.00} due to financial hardship, and have gotten nowhere with the Navient customer service line. Over the course of the past few months I have placed many calls, and the only guidance I have received is to request a forbearance, as I am ineligible for deferment. I will not accept that the only solution to paying off my loans is to continue tacking on insurance payments to the principle amount ( {$90000.00} when combined with my public loans ). It would simply be financially negligent if I were to do so, and if Navient were to allow ( promote! ) this. I am XXXX years old, have no credit, have a low income with no way to pay off this gigantic debt in my lifetime - sound reminiscent of the 2008 housing bubble? It sure does to me. I have requested a payment that allows me to meet my other necessary living expenses - via multiple customer representative phone lines and email contacts - time and time again. I am always provided with the same response : Call the main phone number. Request a forbearance. I can not get a clear answer on what other options are available from Navient, while I have heard of many people accomplishing a lowered monthly payment through unknown avenues. I have sent paystubs, budget information, and bank statements seeking an alternative repayment plan, and have been circled back to the " solution '' of forbearance each and every time, ensuring that I will be adding to my debt in perpetuity, while barely meeting the minimum payments to avoid defaulting. I am not asking for loan forgiveness. What I am requesting is a common-sense approach to repayment : income-based payments, graduated payments, etc. Not forbearance. Not accruing interest endlessly. If my requests for a reduced payment plan is not granted, I will be at risk of default. I need Navient to reply with real, genuine information and help, rather than suggesting I try talks with a stiffly scripted customer service phone line or email address that will return me to square one. I 've dealt with this too many times thus far. Education is supposed to be the bedrock of the American Dream - something that is meant to establish a level playing field, where every young person can begin his/her professional life on equal footing. These private student loan companies have cast the field at a 90 degree angle, and those of us who were not privileged enough to find ourselves with college funds are grasping desperately onto the edge, running the risk of falling off the field completely. I am XXXX years old. I am already in a lifetime of debt, and Navient 's only solution is to add onto that. | ||||||
| 03/24/2017 | Yes |
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| There have been several difficult situations thatI have had with my loan provider XXXX/ Navient. The first of many situations with XXXX began after graduation. After the grace period for non-payment ended. I had a part time job that did not cover the entire loan payment of {$1700.00} a month. The only option I was given was to go into forbearance. I was force to go into forbearance several time due to the lack of job opportunities. When I finally received a full time job and I felt like I was ready to make some type of payment, I called XXXX to arrange a payment plan. I tried to consolidate my loans to try to get my interest rate reduce from the current 16 % it was at. I was told that I could not consolidate my loans because I had past my limit of times I could put my account into forbearance. For many years I was making payments on my loans that did n't even cover the amount of interest accrued that month alone. I was making {$1700.00} a month payments and my loan amounts just kept going up. My account double from the initial loan amount I initially graduated with, before I was able to come into a low interest program. Which at this point I was still paying off all the accrued interest. This program was when my account was under Navient. During the second year of this program my cosigner started the process of getting his home loan refinance. It was at that point that we noticed that for nearly two years Navient was reporting late payments every mouth to the credit bureau, effecting our credit scored. At that point I had called Navient to see why this was happening. I had my payments setup to automatically come out of the bank account ever month before the due date. I was then told that they were allocating my payments wrong and that since I had XXXX loans under my account, that the systems was not spreading out my payment to all XXXX accounts. It was a struggle to get them to send us a letter or statement that this error occurred so that we can have something to send to the credit be bureau. We were promised a letter for nearly three months stating the error they had made. Every week the I did n't receive a letter I would call my account rep and demand I get a letter. After the third week I was no longer able to get a hold of my account rep and the person who took over my account said that everything was fine and that there was no record of the error therefore he could not send letter. I was also never confirmed to me that if had accrued any late payment fees or penalties that they would we reversed. This past few months I had my interest rate go back up to 9 % on my XXXX loan because according to Navient my XXXX co-signers were making too much money. When in fact my co-signers were not in a position to help my make my loan payments. | ||||||
| 05/17/2020 | Yes |
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| Some time in XX/XX/2020 I placed a call to Navient inquiring about an education loan that was showing up on my credit report. I gave Navient my information and they were unable to locate an account. The representative was able to locate an account when I gave my social security number but nothing else matched. I was told I would receive paperwork in the mail and to fill it out and send it back. On XX/XX/XXXX, I sent back to Navient the completed form, with copies of supporting documentation such as my social security card, my driver 's license, etc. I heard back from Navient on XX/XX/XXXX asking for a copy of my high school diploma. I got in touch with my high school and all they were able to do is provide me with a copy of my transcript. Being as that I graduated high school XXXX years ago, my high school is unable to re-issue a diploma. Further more, it is not something that they make in-house and would have to find the business that they worked with XXXX years ago to produce another diploma. They assured me it was a certified copy and that it should serve whatever purpose I needed it for. I sent a copy of the diploma to Navient on XX/XX/XXXX. On XX/XX/XXXX, I received a letter that Navient was unable to verify my claim of identity theft and that the loans were mine. The reasons they gave were that I requested deferments/forbearance/consolidation/forgiveness, and submitted correspondence acknowledging responsibility for the loan. On XX/XX/XXXX, I responded requesting evidence and documentation of these requests for deferments/forbearance/consolidation/forgiveness, and copies of any and all correspondence I have submitted that acknowledged my responsibility, and payment history, dates and and amounts of any and all payments made on the loan. I also requested description of the procedure Navient used to determine thevalidity, accuracy and completeness of the student loan such as the school name, address, name of person contacted, and telephone number. On XX/XX/XXXX, Navient sent a letter stating that they were unable to confirm my claim of identity theft/forgery for the following reasons : requesting deferments/forbearance/consolidation, not receiving requested documentation to substantiate claim, and that I expressed interest in enrolling in alternate repayment programs. I need help. It seems like Navient is looking at me as a person with a genuine and legitimate concern. I only receive form letters saying the same thing over and over. I have sent everything they have requested but there is no acknowledgement of these documents. The loan does not belong to me and I need help just getting them to listen and look at all the evidence I have provided. I was not even in US during the times Navient said these loans were borrowed. | ||||||
| 04/28/2019 | Yes |
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| I am writing today with faith and a very= hopeful heart. My name is XXXX XXXX and I graduated XXXX XX/XX/XXXX on gran= ts and scholarships obtained by grades. I graduated with a XXXX major an= d XXXX minor with intentions of going to XXXX school. However, due to a = young marriage at XXXX and XXXX children and a divorce it was not a realistic go= al. I decided to go to XXXX XXXX school at XXXX University to ob= tain my XXXX. As a single mom of XXXX young children I had no choice but = to work nights and attend school during the day to pay for childcare, food, = house, etc. I was the only student who worked during this rigorous full ti= me XXXX program and needless to say was also a single parent. Despite my= efforts to try to financially support a household and XXXX young children e= nded in me losing my home and bankruptcy. I XXXX my XXXX and begun = working for XXXX XXXX medical center in XX/XX/XXXX. The XXXX Student loans w= ere very high especially when I was just trying to get back on my feet and = start a new life for my children. I spoke with Navient multiple times and w= as under the impression from the information I was provided that in 10 year= s these loans would be forgiven because of my XXXX XXXX career. I = tried to pay through income based repayment but many times I had to defer d= ue to hardships with supporting my XXXX mother and XXXX father. I = specifically remember asking if the deferment would affect my forgiveness i= n 10 years and specifically being told NO. All I had to do was submit the p= aperwork in 10 years. I am now recently learning that this in fact is incor= rect and I will not qualify for forgiveness without having made 10 consecut= ive years of on time payments. I currently owe over 200,000 now with all th= e interest charges which is nearly double what I graduated with in debt. It= is very discouraging as a XXXX professional coming from a low income ho= usehold trying to better herself for her family. At this time I have remarr= ied and now have XXXX children and a husband which just as well finished hi= s XXXX with a large student debt bill. I am pleading with anyone who has= some influence or power to make a difference. I am a law abiding tax payin= g professional and the price to pay for this is outrageous. I have been lie= d to by my lender for years and now I am left with a > {$200000.00} student debt= almost in time to start paying for my oldest daughters college. I heard my= daughters high school friends talking about studying in another country to= not incur all the debt. We are doing an injustice to ourselves and I stron= gly believe that something needs to change. Please help I dont know where to go from here but would appreciate= any feedback, advice, or helpSincerely XXXX XXXX XXXX -- | ||||||
| 03/31/2023 | Yes |
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| I called Navient several times over private loan fraud and requested a letter for proof of signature of this loan since filing it with CFPB to go now where. I filed a complaint with the Attorney General which I finally received a letter of no signature on file from Navient and the Attorney General Dismissed the private loan. The problems with Navient to reach customer service and trying to upload documents on their website for school closure for XXXX XXXX to receive no responses when filing this several times with them. They indicated it was involved to recent students for school closing when I won a case with the Attorney General office for a lawsuit of fraud for misrepresentation of my cases from the Attorney General for fraud. I requested for the school closure to be removing XXXX debt since having to transfer credits that XXXX XXXX XXXX indicated that they would honor which they did not. I put this for a whole other complaint with CFPB of transfer of credits while charging me for an entire program of funding from FAFSA. The final issue with Navient was payment arrangements to be setup and while during the COVID issue for putting it under forbearance while charging me interest on the loans during this time. Since the transition from XXXX to XXXX ; my income has dropped to almost half, while inflation has tripled in the past two years. I could only find contract work which almost made me homeless twice and while finding an alternative to move out of the city near family to assist with economic hardship. I have no way of paying my loans due to XXXX and XXXX XXXX XXXXXXXX fraudulent misrepresentation of loans and while working on a XXXX XXXX with XXXX for telling me that a XXXX XXXX wasn't going to be enough for future roles. I went from making XXXX to XXXX while living with my son due to inflation. I am looking to have my loan situation with student loans to be handed through economic hardship and have applied for putting my name on lists for these programs. My loans are standing at XXXX and no way to pay back these loans due to hardship. I am currently XXXX with XXXX in both arms, neck, and shoulders from the type of jobs in the past from falling. I am working on getting XXXX in the near future as well. I am adding this complaint for Navient over interest to loans due to forbearance that did not allow me to make low payments that I could afford. I am adding a complaint for not removing XXXX loans for school closures that I hope to get resolved through CFPB. I plan on filing another Attorney General complaints with this complaint. I am looking for my loans to be declared for an emergency of clearance due to financial hardship and under XXXX of approaching XXXX years of age. I will not be able to work much longer due to limitations. | ||||||
| 10/06/2017 | Yes |
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| I have Navient as a loan service. I am on a low income based plan because I have loans from XXXX and graduate school. I made payments, did the yearly income verification and setup auto payment for a few years. Towards the end of XXXX XXXX, I was laid off. I called Navient, said I was laid off and had the paperwork from previous employer and the unemployment office. I was told that they would defer it and no payments would be due. I asked if anything else could be done because I know that I have to make 25 years of qualifying payments for forgiveness and I wouldnt owe much on my income based plan. I was told that it wasnt my time for income verification and could not do anything except a forebearance. It took me several months and XXXX states to find another job because if my circumstances. I found a new job at a startup, eventually got back on my feet and did the income verification with my new employer. In XXXX XXXX, I was laid off again as most of the startup company started to go under ( and is now out of business ). I called again with my paperwork ready. I was once again told that I could only do a forbearance, there was no other option. Having gone through this before, I thought that was the truth. It took me a few more months to once again get back on my feet and am still struggling after so many months of being laid off. My forbearance ended, my income verification came up and the fraud protection on the IRS site that links your tax return to the Department of Education was in effect at that time as well. This caused me to be late on payments, and Navient filed a 90 day late on my credit report. However, if I had the option to do a verification of income when I was laid off, there would not have been any late payments. This one mark is crippling my credit severely impacted. I was not offered, told or suggested that there was the opportunity to reverify my income. Only that you do that once per year. I didnt know that option until all of the consumer articles came out over the summer and recently, and I looked more into the complaints. I now have roughly two years where I would have qualified for a lower to no payment based on my income based plan but its shown as a in forbearance that doesnt go towards the 25 years of payments. This has lead to higher interest amounts and an extra two years of payments and interest that will go to them. I really think I was blatantly defrauded at a very trying time where I took them for their word and was very distraught after losing my job. Because I went to college and graduate school, this is going to cost my extra thousands if not more. Something has to be done, because between the credit report hit and them extending the life of my loan, Ive become extremely financially crippled. | ||||||
| 12/30/2022 | Yes |
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| I have my loans through Navient. I've been paying student loans for many many years ( I graduated from XXXX in 1999 ). I remember my loans were need-based, and they changed hands many times. I think they began as federal loans then went to XXXX XXXX and now Navient. I can't remember exactly because it was so long ago! Anyway, when it came out in the news that Biden had plans to " forgive them, '' I was excited, as I still have over {$4000.00} left to pay. I was always an A-student, graduating with a GPA of over 3.9, so it seems strange to still have such a debt from a school in my home state! Anyway, I had tried to contact Navient to ask if my loans were eligible for forgiveness and the pause. They are categorized as FFELP loans. I was on hold for a very long time. Finally I got somebody who made it sound like mine would be forgiven because they are federal, and they said they would give me the pause. I hung up from that conversation with high hopes. I assumed that the forbearance I was offered was what Biden was talking about, a pause until the end of XXXX, by which point eligible loans would be forgiven ( I had filled out a federal application for forgiveness and it was approved- but this doesn't necessarily mean I am eligible ). Later I would get an email from Navient with my next bill for the following month! I had already paid in XXXX for my XXXX due date, and now I had a bill for XXXX! I tried calling them but couldn't get through. That's when I began to email them from their website. The response I got didn't make sense. It insisted I did have a forbearance and ignored my points about the bill dates. I went back and forth a couple of times to no avail. Long story short, I ended up paying for each month through now ( once I paid a double bill because I was waiting to get this resolved, but it wasn't ). So there was no real forbearance! I am concerned that because my loans are through Navient, they won't be forgiven. I had read something about " Direct Consolidation '' but that was confusing ( even the term " consolidation '' threw me off- I only have one loan so how can you consolidate one thing- it doesn't fit the definition of the word ) and I wasn't in the country at the time, and trying to get through to Navient isn't straight-forward. I found out there was a deadline for that, and I missed it because of communication problems with Navient, plus originally they had made it sound like I was all set. It's not fair if I missed the Direct Consolidation deadline due to this confusion- I don't know why there had to be such a short deadline in this mixed up period of time. So I continue to pay my monthly bills as usual... I am very concerned I'm going to miss out on forgiveness even though I am the perfect candidate for it! | ||||||
| 08/10/2023 | Yes |
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| XX/XX/XXXX : I took out student loans to attend XXXX XXXX in XXXX XXXX, CO. I was told they were Federal Student Loans ( FSL ) & were eligible for any and all protections/services as they were FSLs. The servicer was XXXX XXXX. XX/XX/XXXX I filed XXXX XXXX bankruptcy ( XXXX District of XXXX ) and the student loans were included in the bankruptcy proceeding. The student loans were transferred from XXXX XXXX to XXXX and updated to reflect the bankruptcy claim XX/XX/XXXX ( see attached student loan data from studentaid.gov with a breakdown of 3 FFEL student loans that were serviced by XXXX XXXX, transferred to XXXX, and included in bankruptcy. XX/XX/XXXX I received a bankruptcy discharge. XX/XX/XXXX the FFEL loans were put into repayment by the servicer. When I contacted them by phone, they stated that student loans are not dischargeable in bankruptcy & I was required to pay on the student loans. From XX/XX/XXXX through XX/XX/XXXX, I was unable to pay and these loans were in deferment or forbearance. I began repayment, despite the bankruptcy discharge more than 3 years prior. I continued to pay several years. In XX/XX/XXXX, there was a payment & interest pause announced to assist student loan borrowers during the Covid emergency. When I contacted Navient, I was told that my loans do not qualify for payment pause and interest would continue to accrue. Despite multiple lawsuits against Navient and XXXX XXXX, I somehow was unable to get relief from the predatory loans, serviced by predatory lenders, practicing illegal collection activities of duly XXXX loans, for a school that was shut down due to their illegal, deceptive, and fraudulent practices. I inquired with Navient countless times about relief that was being granted to borrowers who were defrauded by XXXX XXXX and Navient. Every single time, Navient told me that I did not qualify for any relief and I was still obligated to pay. The FFEL loans were paid off in XXXX. These loans that should not have ever been collected on. The federal government is now discharging and refunding borrowers who are in my exact situation, however, I never seem to qualify for any of the discharges, refunds, or other relief provided to those in my situation. I filed a borrower defense claim XX/XX/XXXX ( application # XXXX ) and am a post-class member of the Sweet v. Cardona case. Additionally, I was advised my loans *should* be part of Manriquez v. Cardona . Despite all of the steps I have taken to obtain relief from Navient and XXXX XXXX, I was forced to pay thousands of dollars for student loans that were discharged in bankruptcy, part of multiple class action lawsuits, to servicers who were sued by multiple government agencies. https : //www.consumerfinance.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 01/19/2017 | Yes |
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| Around XX/XX/XXXX/XX/XX/XXXX, I received a letter stating the income based plan I was on with XXXX/Navient was ending because I was on it too long and my payments would increase from roughly {$72.00} a month to {$190.00}. I called them immediately and explained I could n't afford that. I was told to call back closer to XX/XX/XXXX when the payments would increase to see what could be done. XX/XX/XXXX, I started my graduate program again and got a one month in-school deferment only because I had exhausted the other months already. So XX/XX/XXXX when repayment began, the payments increased to {$190.00}, not XX/XX/XXXX as I was told. So I called and explained my situation. The rep completed a financial worksheet regarding all my monthly expenses. After giving her all this, she stated that there was nothing they could do because she calculated I had {$230.00} left at the end of the month to pay them. I did n't qualify for the rate reduction program or the reduced payment program. There 's no way I could give them that. My expenses fluctuate each month and I count on that to cover those or any incidentals that happen. I removed my automatic draft and began to pay what I could afford, roughly {$70.00} to {$75.00} each month. Unfortunately, my account began to fall behind because I was n't making the full {$190.00} payments. I then began receiving at least XXXX to XXXX calls a day from Navient about my account. I called back XX/XX/XXXX to discuss the account again. Another rep told me the same thing as the previous rep did. I still have too much money left over. I continued to pay what I could afford. On XX/XX/XXXX, I called again to discuss my account. I spoke with a XXXX ( employee ID # XXXX ) and was told this time that there is no payment reduction program and basically the other reps lied to me about it. He also said that they should n't have wasted their time completing the financial worksheet and did n't bother to take any info me this time. He offered two solutions : a payment plan to bring the account up to current. But that would n't resolve the overall issue of not being able to afford the payments. His other solution was for me to take out another loan from a bank and pay them, which is the most idiotic thing I ever heard. All of my other loan servicers have worked with me when I had trouble paying, regardless of how many times I 've had to ask for help. I have XXXX other loan providers and do n't have an issue with any of them. XXXX/Navient is the first to refuse to help. I do n't want them to default, opening myself up to a whole new set of problems. I need help and them to work with me. I 've had this loan since XX/XX/XXXX and when I was making payments, I never missed. And now, they refuse to provide any kind of assistance. | ||||||
| 08/29/2022 | Yes |
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| The illegal activity from XXXX such as them lying about their accreditation, lying about their high job placement rates, and lying about their accreditation has put me in a whole world of debt. Due to XXXX 's fraudulent practices I was deceived into taking out private loans from Sallie Mae in the attempt to pay for my education. I attended XXXX XXXX XXXX in XXXX, VA from XX/XX/XXXX to XX/XX/XXXX within their XXXX XXXX XXXX XXXX program. Prior to me enrolling into XXXX XXXX, I had met with a recruiter who guaranteed me that they would place me onto a job ( because they had exceptional job placing rates ) and that their accreditation would carry over into other schools if I had decided to transfer my credits. These details alone attracted me into enrolling into this for-profit school. After I was enrolled and had attended classes for a couple of days, I remember being called down to the office from class as my tuition needed to be secured. The officer, I do not remember his name but he was a young XXXX male with glasses who had just started working there a few months back. He explained to me that my ONLY option were to utilize private loans for my education. They did not offer work aid, any federal loans, or any other financial programs that would assist with paying for tuition. They told me my options were limited! At that time I was XXXX XXXX XXXX, was pressured to take on private loans and was literally backed into a corner. I took out private loans for the remainder of my schooling. Fast forward to the time of graduation, they set me up with 1 job interview and that was it! I did not get that job and after I graduated they literally washed their hands. I did not have any other interviews and it seemed like after I was no longer a student, they did nothing in the attempt to place me anywhere else. This completely contradicted how they advertised their high job placement rates. About 6 months after graduation I still did not have a job in my field as XXXX provided no job placement or interviews. It was time to pay my loans and because I was not working my only option was to consolidate, to somewhat attempt to lower my payment. I did consolidate but due to my high interests the payment was still high. Later down the road I had to enroll into a University and none of my credits from XXXX transferred over. So now, that two years that I spent at XXXX has obtained me nothing but astronomically high debt and zero accreditation from my credits. With all their schools closing down, jobs will not look at their education as something to be obtained. The illegal activity from XXXX such as them lying about their accreditation, lying about their high job placement rates, and lying about their accreditation has put me in a whole world of debt. | ||||||
| 09/29/2021 | Yes |
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| I believe that I should be included in Case XXXX. XXXX XXXX didn't explain any private loan was being requested on my behalf. I was rushed and they used high pressure tactics to get me enrolled. I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX, advising me that although I satisfied all admission requirements for the XXXX program that I had not been selected based on their ranking system based on their admission exam scores and due to more applicants applying that they had spots for. On XX/XX/XXXX I got an email from XXXX XXXX the XXXX program chair to call her because I was next in line to be admitted to the XXXX program. During my meeting with the admission staff, I was rushed through the process of applying for federal student loans, never given the answer as to the the total cost of the program ( even though I asked for the total program costs ), and I was pressured to sign the paperwork if I wanted to get in now because they could offer the spot to someone else. Classes started XX/XX/XXXX. I never received any enrollment packet that outline what's required to graduate. I was not given or ever shown the XXXX XXXX note until after classes had started. I did not electronically sign anything & only ever signed financial loan papers once when I went in to sign up for school. I attended XXXX XXXX with the understanding that all of my loans were federal only to find out later that a high interest private loan had been attached to my package without my knowledge. I was also required to pay {$1800.00} cash out of pocket because I refused to take out another loan. I was told that if I didn't take the loan or defaulted on my scheduled payment I would be expelled for non-payment. I struggled but came up with the money to pay. I paid {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX and {$530.00} on XX/XX/XXXX. I was not advised of any grants or scholarships that were available to me. I asked about more state aid and was told that I didn't qualify for more state aid which wasn't true. At that time there was an XXXX XXXX XXXX scholarship available, which was one of many opportunities that I found out about after the fact. No one ever told me I was taking out a private loan. I was lead to believe all my loans were federal loans. I never received any paperwork until after signing documents to attend school. My servicer, Navient, has not applied the judgement relief per the case # above pursuant to the Indianas Deceptive Consumer Sales Act, I.C. 24-5-0.5 et seq.- " Incurable deceptive act '' means a deceptive act done by a supplier as part of a scheme, artifice, or device with intent to defraud or mislead. And has been continuing to collect on this loan from me. | ||||||
| 02/18/2017 | Yes |
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| I have been making double payments for both federal and private loans to Navient ( total payment for each time is around {$4400.00} for 1 federal and 4 privates ). Navient had made so many mistakes by applying to all amount to one or two accounts and left the other ones delinquent and then they charged me late fees countless times for all of their own mistakes. Last December, they charged me extra payment of {$2300.00} without my authorization ( so my total payment went up to {$6700.00} ). I could n't afford to pay off the credit card for that amount. I called Navient and I also filed with my credit card company for unauthorized charge. My credit card ( XXXX ) told me they could n't refund it since it was n't stolen. I called Navient again and again. Instead of refunding the only extra payment, they refunded the extra payment twice and put my account in delinquency. I realized Navient mistake after the XXXX advised me that some changes in my credit score. My score went from XXXX in XXXX to XXXX in XXXX. I called Navient and correct their mistake by making the payment of {$2300.00}. They told me that they would fix my credit score. It never happened. I called them back on XXXX/XXXX/17. I was told that I had to write the letter explaining what happened and requesting Navient to fix it. How can this be possible when I have to do all of that when they are the one who created all of this dilemma. This was not the first time it happened and it was not the first time they asked me to write letter or correct their own mistakes. It comes to the point I think it is the way they deceive the borrowers so we can not relieve our co-signers. When I tried to apply to have my co-signers to be released of their financial responsibilities, Navient told me that I was n't qualified because I was late in my payments before. I asked them to look at the records and listen to all the calls I had been talking with their customer service. Of course their answer was the records showed that I did n't make the payment on time even though they were the one who made mistakes. I got so tired and gave up. Until today when I saw the lawsuit that CFPB filed against Navient, I know my prayer was answered. Finally, the justice is served. All the allegations on the lawsuit are very true. I 'm sure that I 'm not the only one victim here since all of my classmates and friends who are Navient borrowers said the same complaints. We are working hard to pay back our student loans ( no complaint, only appreciation for helping me with my career ) and we are struggling to fight with Navient deceit. I hope this lawsuit will bring relief to many borrowers from credit being savaged, ridiculous phone harassment, deceived late fees, and many more. Please put an end to that. Thanks. | ||||||
| 09/11/2015 | Yes |
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| I currently have XXXX XXXX XXXX XXXX private loans with Navient totaling {$92000.00} with interest rates of 14.25 % on XXXX and 9.75 % on the others. Earlier this year I was unemployed and reached out to Navient multiple times about the fact that I had no income and was unable to pay the current amount due each month ( approximately {$1300.00} XXXX. Multiple times I was told by their staff that I could pay {$150.00} as a deferment and would be brought current from three months delinquent. I paid this fee multiple times believing that it would allow me to be able to stay current while I caught up financially. I later found out, in XXXX of this year, that I had been lied to by the company and was continually only bringing myself 1 month current and not completely removing my delinquency and currently owed two XXXX 2 XXXX months worth of payments. Since then I have continually tried to negotiate with Navient about multiple options including loan consolidation, interest rate reduction and repayment period extension, all of which have fallen on deaf ears. I was denied a temporary rate reduction application due to both my cosigner and I together having enough income to cover the normal monthly rate of the loan according to Navient 's standards XXXX which they will, surprisingly, not disclose ). Their options are only " pay now '' or " pay now ''. At this point I am four months delinquent and they are demanding over {$6000.00} from me and still refuse to negotiate. I want to be able to pay this debt but the terms that they are providing are unfeasible for me as it would leave me with literally zero income. As it stands right now my current monthly income is less than what I owe from delinquency. My father is cosigned on the loans but as they have recently purchased a new home after moving across the country, they are in no position financially to provide me aid and I have no one else I can rely on for financial assistance. Navient keeps insisting they will only negotiate with me if the cosigner is present for the conversation as well when XXXX of the terms I have been requesting is removal of the cosigner. What they seem to lack the capability of understanding is that the only reason I have a cosigner in the first place is because at the time of loan application I had no credit history and would not have been approved so I essentially had my arm twisted into obtaining a cosigner or risk not being able to attend school. I have been continually seeking other options including consolidation loans from outside lenders but as the delinquency has severely damaged my credit I am extremely concerned that my only recourse is to attempt to discharge the loans in bankruptcy citing undue financial hardship, but not even that is a guarantee. | ||||||
| 11/29/2020 | Yes |
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| Dear Sir/Maam Subject : To look seriously into the harm caused to my life, by this huge student loan, which supposedly meant to help, not harm! When I graduated from XXXX college of XXXX, I didnt know life will become such a mess, even after working exceptionally hard for years, without vacations .My Navient student loan has only increased ( {$140000.00} ), not decreased! the interest keeps adding up. I have worked on Saturdays, even Sundays in my first yr, treated patients sent away by other drs, was paid much lesser than a male colleague, drove in snow storms, tolerated discrimination at workplacebut never stopped working since I graduated, just because I always had the huge burden of student loan. i also accept Medicaid patients all the time, which very few drs accept.i have worked in rural area for yrs now, so poor patients dont have to drive far to nearby cities. I am also head of household, which has made life even harder.Everytime I went to apply for house loan, or business loan, my application was rejected due to this student loan. so, I kept wasting money towards house rent for yrs.and everytime, I had to move, it was expensive, & I had to startover again & again. i also kept working at much much lesser salary, than what I could have made, as a business owner. Since, I could not get a business loan, to startup business in a good location, I invested whatever personal savings I had, into a very small business venture in XXXX. Which didnt workout, due to wrong location of business. Finally, I ended up doing bankruptcy in XXXX, which did include the Navient student loan.but this loan was never discharged? and I am still struggling because of this. this student loan totally ruined me from growing financially, for years now! I dont have any late payments in my credit history, but it was the this huge Navient student loan, that stopped me from progressing towards a better life for myself, and my family.its been very depressing and frustrating journey.it has left me unprepared for retirement, or without any significant savings at this age. So, this loan didnt help me at all.infact, it only ruined me financially, emotionally, and socially. Because, I didnt even own a house till XXXX.This loan is still at {$140000.00}, the interest keeps adding up. I have already struggled my entire golden years, trying to pay it back. I dont know what else to say.what more can I do, or how much more can I suffer? what else Navient wants from me? to me, it a mean organisation, ruining lives of young professionals, who could have achieved much more, and given back so much more. I humbly request you help me get this loan forgiven /writtenoff.i have no other choice. I tried very hard. Thanks XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | ||||||
| 01/21/2017 | Yes |
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| I have Navient, which is being sued by you all I heard. If you want my voice heard, you will hear it cause I cant seem to pay off this college loan that I have. I completed my XXXX with the University XXXX XXXX online program! I currently owe about {$16000.00} more dollars, but now it keeps going up and never down. I called Navient cause I have never missed a payment. However, cause I was paying {$260.00} a month, the interest which is about 8 % does not cover what I actually owe. In other words, Navient said in order for my loan to go down, i would need to pay {$500.00} a month. I cant afford that and I am drowning trying to pay off my other bills that I have all the while, the interest keeps building. The other problem is that i had my loans consolidated and they said because of that, its a fixed interest rate which I will have till I pay off this loan. There is absolutely nothing they can do to help this loan go away. They said there are no options for me. I can pay less, but if I pay less, the more I owe in interest! There is no way to change that. I have been with about XXXX other loan companies before Navient cause something happened to each company and were bought out by another company and have paid on this loan since 2012 I believe. From the beginning my loans were consolidated, but was never told especially now with Navient what my options were. As soon as Navient took over, i was not told what my options were, or if I could change anything to make it easier to pay off my loans. I feel cheated by Navient and the last few companies I dealt with. Also the University XXXX XXXX is a fraud! They use sales tactics to get you hooked in to enrolling you into college and use pressure with the loan comapnies. I regret ever going to college! They hooked me up with XXXX XXXX and that was the biggest mistake I ever made. I was given bad information by the university XXXX which led to XXXX XXXX which provided me with bad information and I feel cheated and deceived, and now that Navient took over, I feel no different! Now I am paying {$170.00} a month, and I am back up paying what was once lowered. I need help! I feel stuck and frustrated cause I am not able to pay off this loan that could have been paid off had it not been for the stupid interest rate! I feel for everyone else who is struggling! I thank you CFPB for this lawsuit on behalf of all of us who are struggling. Keep me informed about this lawsuit, how I can be part of it, and if this is a win, how I may get some financial relief from it! I tell people now, go to XXXX college and learn a trade or skill such as XXXX., dont go to learn and get a degree with no skill or trade! Its a waste of money and you will end up regretting it as I have with nothing to show for it! | ||||||
| 06/07/2017 | Yes |
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| In XXXX XXXX I was diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX . IN anticipation of running afoul of my bills I contacted Navient and was advised that I had to fill an online application for Income driven hardship. The site was confusing. Nonetheless, in the throes of XXXX , I provided all the information and waited to be contacted regarding this process. Never heard from them but apparently, they must have done a forbearance or something and I received a letter telling me next payment was due in XXXX . In meantime I called and discovered that they had denied my hardship as I had not sent in the proper paperwork. NOt true it was all scanned and uploaded. I asked WHY if I sent this months ago has no one contacted me? double talk. So, now the date for whatever this payment arrives ... it is not the income hardship but something else that I have no idea about which I 'm sure extends my interest somehow. I suddenly receive a letter on XXXX XXXX , XXXX now telling a different story then I was told over the phone. I call and yes they received all the paperwork but the scan was " unreadable '' please send tax return or proof of income again. So XXXX different stories. IN meantime, not sure if I should make this payment now days late as it is NOT what I requested and do not want to have this seen as I except what they are doing. Now. I am receiving XXXX daily phone calls from " unavailable '' early XXXX and late XXXX . Imagine having to run to the phone with XXXX XXXX XXXX XXXX XXXX XXXX XXXX while recovering from XXXX XXXX Only to get a " recording '' that tells me hold on..finally getting someone to get on phone. They repeat themselves..several times, recorded line, young person with condescension on phone. You hear many people behind them as it sounds like a calling center. then ask for identifying information.. I tell them I do n't know you ... you could be from XXXX or some country using a dialer and I am not giving you information about me that you can use to hack my identity. " well without this information we ca n't help you. '' I did n't ask for help! You called me and I want it to stop! More condescending tone. I have called Navient myself to deal with this alleged lie about my " unreadable tax return '' and it is clear the other call if from them is only about this {$200.00} or so dollars that is NOT the hardship agreement. I have asked them to NOT CALL as I have no intention of talking to strangers and providing private information..of course they ignore me and do the harassment anyway. What can I do.. I am recovery from XXXX XXXX . I have XXXX now sent the required paperwork and they are playing games. | ||||||
| 04/14/2017 | Yes |
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| Back in 2014, I was harassed, received, and lied to by Navient. I was told repeatedly that I would not receive any kind of impact on my credit. I followed all of their instruction and made the payment amounts they told me to make and they ended up reporting 4 months of being deliquent siting it was not for the full amount. Because I have XXXX loans, they are reporting late payments XXXX x 4 no this. This has RUINED my credit. I have asked they they pull up the recordings of phone calls and they claim they can not find them or that the phone call never occurred. When I told them I would record my calls for.my own proof, they said they ca n't speak to me. I have been fighting this for 3 years. I just was on the phone with them for 2 hours. I am in tears. They have lied in their notes to make it look as if I was late. In 2014, I was threatened and told I was a lowlife that should have thought twice about borrowing money and that they will get it from me no matter what even if they had to take my assets to pay it off. That recording could never be found. If you look at my history with them, I have never missed a payment up until those 4 months in question. I had reached out to them as I was having financially difficulty at the time and repeatedly told them, I would work with them and they assured me that they would n't do anything to hard my credit. I am so glad they they are being investigated. I am a good person and minus the 36 missed pmts they are reporting, I would have near perfect credit. I recently requested that they be removed back in XXXX via email. 5 days later, I had to request again because I received no response. I emailed them again on XXXX XXXX for an update and someone FINALLY just called. Legally, they have 30 days to respond or they have to reverse it I thought? Well, they claim to have sent a letter that I never received. But after my 3rd attempt and 2 months later is the first time I actually got a phone call and an email. I am literally in tears for what they have done. I have lived with this for 3 years. Their lies, deception, harassment and unwillingness to help and or work with me is the worst feeling in the world. I even tried to negotiate to knock it down to half of the missed pmts just for ANYTHING and they wo n't. I literally feel helpless and I do n't know what I can do aside from having to live with it. To make matters worse, I have tried to get someone else to consolidate this debt and get myself away from then, and guess what? I ca n't. Because I have these 36 deliquent pmts and the impact it has done to my.credit score, it has removed that as an option for me. It 's almost as if it was done on purpose as a way to keep the debt under them and not give me any option to move it elsewhere. | ||||||
| 03/19/2019 | Yes |
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| ***Please be advised : I am the alleged co-signer, XXXX XXXX XXXX who is writing this complaint***** XX/XX/XXXX - Received phone call and provided information to XXXX XXXX to co-sign for a loan for around {$8000.00} for step daughter, XXXX XXXX . I provided information. I may have been faxed a document to sign, although I do not have a copy. I've asked Navient for this and the 2nd document I will discuss next at least 4 times in the last 1.5 years and all I have received from them is a copy of two typed Promissory Notes ( Loan 1 : {$8200.00} and Loan 2 : {$13000.00} ). These documents allegedly contain my electronic signature, but I did NOT sign any documents electronically then or anytime for the XXXX XXXX. I lived in Washington state at the time and XXXX lived in XXXX, VA. Loan 1 Promissory Note : Appears to have the information I provided Loan 2 Promissory Note : Has wrong and old zip code listed and my name is not capitalized. I do not ever prepare documents in this manner. I have worked in a XXXX XXXX position in the XXXX XXXX XXXX since XXXX and am extremely particular about how I complete official documents. In my telephonic conversations with Navient, I have expressed to them that I did NOT co-sign or agree to co-sign for more than one loan and have stated to them that I would like to see if I ever actually co-signed for the 2nd loan. There response is always, that I will need to complete documents that declare Fraud on XXXX 's part, in order to have the loans removed from my name. If these loans were electronically signed, I am sure XXXX did sign them, but I do not want her to be prosecuted for this. These loans were predatory at best and she was 22 years of age at the time, being assured by this school that she had a 90 percent chance of getting a job in her chosen career upon graduation. Finally, now Navient has reported ME late in payment to the Credit Bureaus and I only spoke to them today, at which time, I immediately made the overdue payments. I would request assistance in having this negative information removed from my credit reports. Additionally, I would request assistance in having my name removed from loans. If they can produce my signature on the 1st loan for XXXX, then I will obviously bear the responsibility, but I did not sign nor have anything to do with the 2nd loan. Navient is coercing me to pay for something that is not my responsibility as I have continuously told them, by reporting XXXX 's lack of payment to my credit bureau. This bad reporting could affect my security clearance, which obviously is my income. Navient will not let me rightfully remove myself without accusing XXXX of fraud, when in fact the XXXX XXXX and Sallie Mae are most likely the culprits. XXXX XXXX | ||||||
| 01/10/2019 | Yes |
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| As an uninformed XXXX-year old, I took out student loans through Sallie Mae for my XXXX degree between XXXX and XXXX. I was not well-informed on the difference between a fixed-interest rate and a variable-interest rate, and was thankful for any loan that would help me pay for my college degree, as my family could not help me with tuition. While I was in school, the interest rate on one of my Sallie Mae loans sky-rocketed to 14.75 %, which quickly caused the loan amount to double from {$20000.00} to over {$40000.00}. I was eventually able to refinance this loan to a lower, fixed-interest rate through a different company, but am stuck paying off $ XXXX in interest before I can even touch the actual money that I borrowed. In the last three years, I have been able to pay off a little over {$5000.00} of this loan. I have three additional loans that were taken out through Sallie Mae ( one each year of my undergrad ). These loans were sold to Navient approximately 3 ago where their interest rates remained low ( at first ), but still variable. Over the past year and a half, I have watched my interest rates slowly creep up higher each time I begin to make some progress in paying down one of these loans. I had to enter interest-only payments in order to be able to ensure that I could afford payments. I was eventually able to start applying extra to these loans each month, and although that amount was small, it allowed me to pay off {$10000.00} over the course of three years ( XX/XX/XXXX - XX/XX/XXXX ). Unfortunately, over the course of those three years, I have paid Navient a total of {$22000.00}. Please note that this amount only includes those payments made since Navient has taken over these loans and not any money that was paid to Sallie Mae. I have continued to try to refinance these loans for fixed interest rates including applying to Navient itself, as I received a mail notice that I was applicable to refinance. Unfortunately, despite an excellent credit score and a perfect payment history, I have been turned down over and over because I do not have anyone that can or will cosign for me. As an XXXX, I do not make a large income. At this point, just over half of each month 's paycheck is immediately allocated to student loans ( both private and federal ). As of today, my interest-only payments have ended on these loans with Navient. Not only has my required monthly payment doubled from {$350.00} to {$700.00} ( I was previously paying {$500.00} per month in order to work on paying them down ), but the interest rates have once again increased 0.25 %. If I am not able to get these loans refinanced, I fear that the interest rates on them are going to skyrocket like the previous one did under Sallie Mae 's management. | ||||||
| 05/21/2019 | Yes |
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| I have previously disputed the above-mentioned student loan payment history on XX/XX/XXXX, XX/XX/XXXX. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433. I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Please see lines 5 & 6 of the attached FTC advisory opinion. The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid. Navient representatives told me that because the delinquent payments were accurately reported previously, they would not update their reports to the credit bureaus to show that the payments were now paid. However, Section 623 ( a ) ( 2 ) clearly states that the reports must be updated/corrected regardless of whether they were accurate at one point. Therefore, my credit reports do not accurately reflect what was set forth by the FTC Advisory Opinion to XXXX ( XXXX ) with regards to the Fair Credit Reporting Act ( " FCRA '' ) on the reporting by educational institutions of additional information to credit bureaus about defaulted student loans. I am therefore requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the above-referenced account showing late payments in XX/XX/XXXX be updated and corrected. | ||||||
| 03/15/2016 | Yes |
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| On XXXX XXXX, XXXX, my loans were transferred from XXXX to Navient. I have continued to pay more than what is due on time every month. Now, it is time to re-apply for Income Based Repayment plan. I submitted the application through Studentloans.gov, and then received an email back from Navient on XXXX XXXX, XXXX stating that they had received the application. On XXXX XXXX, XXXX I received another email from Navient stating that my payment amount had gone up. Since my income had decreased, and I had applied for IBR, I knew this was innacurate. I emailed them back stating the problem, and received a confirmation email on XXXX XXXX, XXXX that stated they had received my inquiry and would get back to me soon. I never heard more about the matter. Then on XXXX XXXX, XXXX I received an email with yet another new payment, this one a few dollars less. On XXXX XXXX, XXXX I called to get the problem fixed. They told me they would defer my payments for a couple of months, and give me time to complete an IBR application. I told them I already had, and that they had emailed me that they received it. The person I spoke with said to wait until the end of the week. On XXXX XXXX, XXXX, they emailed me three times. One that gave me repayment options. The second that said there was a new document to view, which was information on how to submit the application for IBR. This email states that the best way to apply is to go to Studentloans.gov and apply. I have already done this. The third email said they were still waiting for me to submit the information to process the request. I have no idea what information this is. On XXXX XXXX, because I still had n't heard anything, I decided to submit the IBR application again through Studentloans.gov. On XXXX XXXX, XXXX I received an email again from Navient that they had received the IBR application. On XXXX XXXX, XXXX I received another email from Navient that showed my payment had again increased even higher. Then on XXXX XXXX, XXXX, after hearing nothing from Navient, I again emailed to get the problem fixed. They sent an email of confirmation that my request had been received. And today, XXXX XXXX, XXXX, I have received another email from Navient reminding me that I need to return some sort of information to process my request. But it does n't tell me what this information is that they need. When I go to my account on the Navient webpage, no where does it say that I have to submit any information. In fact, I ca n't even find the documents that have been submitted until I go to the old website. I have been doing my best to pay off these student loans with the limited amount of finances I have. Navient has just given me the run around, and increased payments so that I can not afford to pay. | ||||||
| 12/31/2018 | Yes |
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| I have just finished my second XXXX XXXX XXXX and my income currently is from my XXXX as I am on a XXXX which will end in XXXX. I am also XXXX XXXX XXXX XXXX to help pay the bills, though only make {$500.00} a month. My Navient loans were all accrued when I was an XXXX 10 years ago ( they were then Sallie Mae ). The more money I pay, the more money I've had to owe. It's sad to see that I've spent thousands of dollars to pay off a loan only to find the balance is higher! As I was getting my first XXXX 's, Navient told me I could not do an in-school deferment and that I had no option but to use up my forbearances ( which were used up due to being in school ). My loan payments were still too high for me after school so I've been on an interest only repayment which is about to end in XXXX. I've made all the payments on time and Navient is my highest loan bill -- even at interest only repayments. I have received emails since XXXX saying that my new payment would be in the next billing statement, which had never happened. When I called about this they said there's nothing I can do until that statement is generated and only then could they figure out what options I may have. At first I thought my new payment was almost the same as my interest only payment when I looked at the statement, but then realized the new payment amount still hasn't been generated and I'm struggling just to pay this interest! I recall years earlier when I had to use up my forbearances on XXXX XXXX and asked what my options would be if I got into a financial bind in the future but couldn't use the forbearance because they had to be used up in school. I just wanted to know what my options might be. They said there was nothing I could do but not to worry because I wouldn't go into default for 90 days -- as if that could somehow make things better? My student loan payments ( in total ) are more expensive than my rent and Navient 's is the highest that I have. I know they told me that if I do a lower payment it will have increased by {$20000.00} but I am in a bind because I'm just trying to afford ANY payment. I will never buy a house or have a family because this is so overwhelming and if I can barely afford to just survive, how could I afford that? These loans from Navient ( then Sallie Mae ) I took out as an XXXX at XXXX, thinking afterward a full-time job could help me make the payments, which has not been the case. It's sad to look at Navient 's website and feel relief at reading that my loans could be discharged due to death - to be so stressed out about paying student loans that death is a comforting option when you realize you're only living life to pay your loans and will have to work so many hours there's no time for anything else. | ||||||
| 02/12/2020 | Yes |
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| After graduating from XXXX XXXX in XX/XX/XXXX with an XXXX XXXX XXXX & XXXX XXXX XXXX, my Student Loan Service Provider immediately began deceiving me into believing that Deferment & Forbearance were the only repayment options for my {$30000.00} in Federal Student Loans. I asked multiple times about different payment options and each time, the providers put me into a program that increased my balance without ever telling me that I could make a smaller monthly payment ( my payment was always just out of reach ). After my service loan provider switched from XX/XX/XXXX to Navient ( without my full understanding and not at my request ), I found myself 2 months behind on payments. One payment went to the wrong provider and another payment simply didn't process when Navient began processing payments. During this time, I was given conflicting information about when my payment would actually become due. Before I was able to correct the problem with Navient, they began automatically forwarding phone calls from my number to their overseas debt collectors. The people who were answering the phone told me they did not work for Navient and told me that " you are not able to speak with a Navient employee until your account is current ''. THIS PROCESS OF NOT ALLOWING ME TO SPEAK WITH AN EMPLOYEE OF MY STUDENT LOAN PROVIDER WAS USED AS A WEAPON AGAINST ME!! After several weeks and multiple calls ( ALL OF WHICH AUTOMATICALLY FORWARDED TO XXXX ), I agreed with the Off-shore debt collectors to go into forbearance so that I could again talk to Navient employees rather than outside debt collectors whom at the time, SEEMED to barely understand English. These Off-shore debt collectors were USED BY NAVIENT to convince me that Forbearance was my only option. They told me that I would have to deal with the debt collectors until my account was current, they threatened to garnish my wages, get a judgement against me and take my tax refund check. Looking back now, I realize that Navient forwarded my calls to an outside debt collector for no reason except to FORCE ME INTO A 10+ YEAR LONG PROCESS OF Forbearance that has increased my total Student Loan Debt! When I first went on forbearance, I felt powerless and frustrated! Now looking back at the timing of these issues, which coincided with BOTH my Chapter XXXX Bankruptcy in XX/XX/XXXX and also Navient 's email motto of " Forbeare them '', I am MAD! I FEEL CHEATED! If these folks would have worked with me in XX/XX/XXXX, I would have been able to come out of Bankruptcy and been able to pay them $ XXXX $ 150 monthly on an Income Based Repayment Program. Had they explained that this option existed INSTEAD OF SENDING MY CALLS TO XXXX, my Student Loan Balance today would be PAID IN FULL! | ||||||
| 09/30/2017 | Yes |
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Web | Servicemember |
| Back in Fall XXXX, Navinet contacted me rudely stating a loan was due. I stated I was currently in school and faced with other situations ( paying down a debt from my daughters medical bill ) and could not make the payments. Instead of offering assistance - forbearance, lowering payments, etc. they rudely stated that it would go on my credit report, etc. I struggled to gather the money to make the payment, but it did n't stop. Month after month and it is still going on. No help, no assistance just rude demanding phone calls to collect my payment or else it will go on my credit report - which it has. I just know noticed they took money that should have went to 2 loans ( I have three in total, 2 were activate at the time of this ) and they applied entire payments towards one loan instead of splitting the payment - making me " miss payments ''. Here I was making payments thinking I was helping pay down both loans ( which I actually never knew about since they only told me about one, the one from XXXX ) and they were applying payments towards another loan. Here is the payment schedule : Contacted rudely - Fall XXXX XXXX - XXXX Loan : ( the loan there were applying all the $ towards at times ) Date Description Principal Interest Fees Total XXXX/XXXX/XXXX Payment - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 12/10/2016 | Yes |
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| I did n't realize I was a victim of the Student Loan forgiveness Scam. I gave out my SSN # and credit card info. I 'll contact my bank to cancel the transaction may occur but what I do with the SSN # already gave out? Please see below info what have been exchanged over the email : Hey XXXX, Your file was approved yesterday & we submitting a request to put your loans on admin forbearance. It typically takes about 2-3 business days for it to be approved. They will no longer ask you for payments after the weekend. Best, On Wed, XX/XX/2016 at XXXX, XXXX XXXX XXXX wrote : XXXX, I still receiving email and phone call from Navient, when will I get the approval that it 's no longer from Navient but from the Income Driven Program of loan forgiveness that we were working on previously? From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2016 XXXX To : XXXXXXXXXXXX Subject : Contact Information - XXXX XXXX XXXX XXXX XXXX, congratulations again on your approval for the loan forgiveness program! Friendly reminder to send in your Proof of Income to our processing department as soon as possible. Should you have any questions or concerns please do n't hesitate to contact me through phone or email. Best way is through email as I am usually always on the phone. Thank You! Please feel free to share my contact information with anyone that needs help with their federal or private student loans. We would love to help them qualify for a better program and possible loan forgiveness! XXXX - More Information about these programs White House Website : XXXX Ensuring That Student Loans are Affordable | The White House www.whitehouse.gov Ensuring That Student Loans are Affordable. download as pdf " Let 's tell another XXXX students that when they graduate, they will be required to pay only XXXX ... Defaulted Consequences : XXXX Consequences of a Student Loan Default - FindLaw bankruptcy.findlaw.com A student loan default occurs when the borrower fails to stay current with the payments on their student loan. Delinquency begins the first day a borrower misses a XXXX - Online Account where you can view your loans XXXX National Student Loan Data System for Students www.nslds.ed.gov The National Student Loan Data System ( NSLDS ) is the U.S. Department of Education 's ( ED 's ) central database for student aid. NSLDS receives data from schools ... -Click financial aid review -Click Accept - '' Log in '' Username : XXXX PW : XXXX Please do not change the password as our processing department needs it to work on your file. Student Financial Services XXXX / Compliance Manager XXXXXXXXXXXX / XXXX EXT XXXX Student Financial Services Processing : XXXX / Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Hours of Operation : XXXX - XXXX ( PST ) | ||||||
| 05/09/2017 | Yes |
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| To Whom It May Concern : On the fourteenth day of XXXX, XXXX, I entered into a verbal agreement with Navient to provide me with a specialized one month forbearance plan for my private student loan, if I were to enroll in AutoPay. The representative proceeded to read me the guidelines and policies of the agreement over the phone, and asked me to verbally agree to them in order to enroll in this one month forbearance agreement. I agreed over the phone and was informed that for the month of XXXX, I would NOT have to submit a payment to Navient. That by enrolling in the XXXX, it would bump the XXXX payment out, and Id be responsible for resuming payments starting back in the month of XXXX. One week later, I received a correspondence from Navient ( via email ) that the Forbearance was not approved because I am enrolled in their rate reduction program, and that program does not allow any form of forbearance. I immediately was confused and highly frustrated as I was just informed by the representative one week prior that my forbearance was approved and I would not be responsible for a XXXX payment. All that Navient did was apologize for the misunderstanding but they are no longer sticking by the verbal agreement made between myself and Navient on XXXX. Instead, they are requiring me to pay for the month of XXXX. When I called to complain about this in XXXX, I requested to have the audio sent to me of the conversation had between myself and their rep, so that I can prove that we entered an agreement over the phone, they denied me of that audio stating that its their property and they arent allowed to share it. They also never sent the approval letter of the one month forbearance so I have no record of the agreement besides from the phone call. However they sent the denial letter one week letter, what a coincidence. Needless to say, I should not be responsible for the XXXX payment. Regardless of whether it was miscommunicated or not, they had an internal communications error that I now have to be responsible for. On top of this, Ive asked countless times how I can go about getting my co-signer released from my account, and to no avail, they are never able to offer me any options. Instead they say that there arent any options, that the co-signer has to stay on for the life of the loan. I just find that very odd, and very hard to believe. I would like my co-signer released so that Im the only one contacted and responsible for all things dealing with my Navient account, no one else. Navient has had a poor history of countless accounting errors, miscommunicating policies and providing unrealistic options to its consumers and Ive had enough of letting them get away with it. Please help me get this resolved! XXXX XXXX XXXX | ||||||
| 04/04/2017 | Yes |
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| I had several student loans that were in default. I had been paying on XXXX set of my student loans through Navient. I had a second set of student loans that I went through loan rehabilitation through XXXX. I finished the loan rehabilitation program through XXXX and then my loan was brought by Navient. I was sent an income base repayment information from XXXX to send to Navient. Since I had a set of loans already through Navient I called them and requested assistance with getting both set of loans due at the same time and the payment reduced to an amount to something that I could afford. The representative encouraged me to do the loan consolidation and led me to believe that it would save me money and my payments would be reduced. When my loan was consolidated it was only {$30.00} less that what it was when the loans were n't consolidated. When I log in to my account I still have XXXX sets of loans both due on the same day which is the first of the month. I could have easily requested a due date change and accomplish the same thing. I do n't understand the purpose of me sending in my XX/XX/XXXX Federal tax return along with household information if the payments were n't going to be reduced to an affordable amount that I can afford so that I do n't go back into default. I immediately called back to NAVIENT and the customer service rep was n't friendly and gave me another number so that the income base application could be mailed to me. It is XX/XX/XXXX and my next payment is due XX/XX/XXXX. When I called the XXXX number it was an automated NAVIENT number stating that it would take up to ten days for the application to me be mailed to me. I shy away from systems that require a password because I have memory problems and get extremely frustrated and do n't trust anyone. I am a XXXX veteran. I tried to explain that to the Representative but before I could get it out she told gave me the XXXX number and sent me on my way. The last person from NAVIENT filled the application out for me and I just had to sign it. I was able to google the application and uploaded to my account along with my recent XX/XX/XXXX Federal Tax return. I do n't feel that NAVIENT was looking out for me or my family. They were just out to get the highest payment. Since uploading the income base application, I do n't see where it was received or if someone is working on it. I also sent an email directly through NAVIENT about my concerns and all I received was an automated response stating that someone would get back to me. That e-mail was sent on XX/XX/XXXX and still no response. I ca n't tell you how many call that I got when I was in collections. I 'm trying to be proactive and stay in good standings. I know that the money has to be repaid. | ||||||
| 02/23/2017 | Yes |
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| My claim is in response to recent allegations brought against Navient. In 2009 I took out XXXX student loans through XXXX, which were later sold to Navient. XXXX loan as been paid off with XXXX My claim is in response to recent allegations brought against XXXX and Navient. In 2009 I took out XXXX student loans through XXXX, which were later sold to Navient. XXXX loan as been paid off with XXXX remaining open. To pay off XXXX of the XXXX loans, I placed a large payment with Navient to clear the principal balance in its entirety. The next month, I received a bill showing the loan had not been closed. When I contacted customer service, they informed me that as opposed to applying the total payment to the principal, they amortized it over the life of the loan, applying it toward future interest and principle payments. I was eventually able to have them restructure this payment to close out this loan, but not without great hassle. At no time upon initial payment was I told the amount would be amortized. When the amount was paid, I had specifically instructed to close the loan and pay the principle in full but this was not done. Prior to payoff of this loan, one year out of XXXX school, I was tight on cash and called to see if there was anyway to reduce my monthly payments so they would be more manageable. I was instead encouraged to take a forbearance. I was told it was a " great way to catch up '' because payments would n't be due for 3 months. At not time was I notified of the negative effects of taking a forbearance, and was shocked to find my credit score strongly affected by this a few months later upon trying to finance a new car. Following payoff of my large loan, I was left with appox. {$21000.00} between XXXX student loans remaining at a 6.25 % interest rate. I have paid $ XXXX/month for these XXXX loans specifically over the last 7 years plus additional periodic lump sum payments for $ XXXX {$1500.00} when able. To date, my principles between both loans have only been paid down by {$5000.00}. The Navient website does not allow you to see how your monthly payments are applied, simply the total principal left and the amount in interest you 'll pay assuming it takes 30 years to repay. Assuming I 've approximately paid out {$13000.00} in monthly payments over the last 7 years plus the periodic large sum payments I estimate to be about {$2000.00} in total, I 've paid XXXX/Navient approximately {$15000.00}. With approximately {$16000.00} remaining due on my principal. That mean 's since 2009, {$5000.00} of my payments have lowered my principal while {$10000.00} has been applied towards interest. Because of Navient 's website setup, I have no way of confirming application of such was done properly. | ||||||
| 04/30/2022 | Yes |
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| I have been paying this debt since XXXX to Navient for the student loan I took out to attend XXXX XXXX ( a subsidiary of XXXX XXXX ). Never have I once failed to meet my part of the agreement between myself and Navient/Sallie Mae XXXX This XXXX when I tried to recertify my XXXX with Navient I was told that I no longer qualify for the program. Since the beginning of my dealings with Sallie Mae/Navient they have failed to properly apply/allocate payments and refused my instruction, or just not held their end of our agreement. First, they steered me into paying more than needed on the loan by pushing forbearance on me ; then they capitalized all of the interest on the back of the principal between XX/XX/XXXX and XX/XX/XXXX. They repeatedly tried to convince me to privatize the remaining loan balance through consolidation with the promise of lower interest-rates, which would have removed me from the loan forgiveness process. Every year they make recertification details unclear. This has resulted in increased payments, added accrued interest to my principal, and even worse; caused loss of both protections and progress toward loan forgiveness. I HAVE NEVER MISSED A PAYMENT EVEN DURING GAPS OF EMPLOYMENT, AND DURING THE ENTIRE COVID-19 PANDEMIC. I was at the brink of losing everything, and still made the scheduled payments. Navient has been sued for violation of the XXXX XXXX XXXX Reform and Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. This organization has caused financial harm to countless consumers through their illegal ( and I would say criminal ) actions. The lawsuit against them included my home state of Florida, and the for-profit institution, XXXX XXXX XXXX which I attended from XXXX. Once again : I HAVE NEVER MISSED A PAYMENT. Now I am being told that I no longer qualify to recertify my debt-forgiveness program. That I can not continue the XXXX which I have been in for over a decade now ; and would need to make less money if I hoped to restart the clock on my student loan forgiveness program. The only parameter I have not met is default of my loan. Now it seems that my honest effort to uphold my end of this entire mess is being snubbed because I made the personal sacrifice to do the right and honorable thing despite being lied to about opportunities that would be made available to me if I would only continue forward. This is beyond reprehensible. I am asking for some assistance in pushing back against this predatory behavior. It has been a struggle to make it this far alone. I need help. Please, some resources, advice, or actual legal and monetary assistance would be greatly appreciated to help me overcome this burden. Thank you. - XXXX XXXX XXXX | ||||||
| 02/24/2021 | Yes |
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Web | Servicemember |
| I have only attended XXXX colleges during the time that I have been in college obtaining my college degrees, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX & XXXX XXXX. I have been battling with Navient & Sallie Mae since XXXX to now regarding student loans that are not mine. I have student loans on my account for schools not only that I did not attend which were XXXX XXXXXXXX & XXXX XXXX XXXXXXXX XXXX. I also filed this student loans in a Ch XXXX BK in XXXX that was discharged as a result of these not being my student loans because I was a victim of Identity Theft during this time ; XXXX and after. I submitted all documentation to the Department of Education, Sallie Mae and Navient who by the way denied my Identity Theft claim, and now they are stating that they never received any of the documentation. I am moving forward with filing a lawsuit against Department of Education and Navient who also bought out Sallie Mae who was also sued as well and having an ongoing lawsuit just like XXXX does. I know because they offered me a settlement as did Sallie Mae. I am also going public with this information with social media and news outlets. Sallie Mae was scamming us for years and now Navient is doing the exact same thing. I refuse to pay for student loans that I did not benefit from at all this is beyond ridiculous I reached out to Department of Education who referred me to Navient on XX/XX/XXXX and they have the power to remove the loans that are not mine but refuse in which to do so. I have been battling this matter for 8 years and I want these loans removed from Department of Education, Navient, and my credit reports as well. The interest alone is beyond ridiculous. My student loans have ballooned from {$160000.00} to {$190000.00} and now I am supposed to pay for loans that are only not mine but was also discharged in a Chapter XXXX BK in XXXX. I do not think so not on my life. This is a violation of my civil rights and the right to have due process. I was not even allowed to appeal the process despite the fact that there is an appeal process nor did I receive a letter from Department of Education regarding them denying my Identity Theft claim which is overly ridiculous above and beyond because I sent them all the supporting documentation to support this. Things have to change with regards to who's in charge and who's making these decisions. This is not conducive to how business is conducted and handled. I need and want answers and support with regards to this matter and I need them now. I want this matter resolved promptly and now rather than later. I am tired of this and it has been 8 years and I am going to do whatever I have to do to deal with this matter. I can be reached by email at XXXX or XXXX. | ||||||
| 01/16/2022 | Yes |
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| I have tried to resolve this issue with a navient and they act as though the issue is resolved before the call is over but then I get erroneous letters that only go to my Navient XXXX that do not match what we discussed. In XX/XX/XXXX I received notice that it was time to renew XXXX. I submitted requirements by the deadline and it was approved XX/XX/XXXX. Beginning XX/XX/XXXX I was to pay {$23.00} per month. I logged into the Navient site on XX/XX/XXXX and my payment stated that I owed {$140.00} XXXX knew that wasn't correct, based off the letter I received but did not want my credit to be effected so I paid it. I logged in sometime after XX/XX/XXXX to see if it was corrected and it XXXX not I called and was told my monthly payment was {$130.00}, I eventually asked for documentation because the site had greyed out my XXXX agreement and it was not accessible. I spoke to another representative who stated that the accounts were not aligned correctly on the same payment schedule and one she corrected it she advised me that my payment amount was no longer displaying a payment of {$130.00}, but {$22.00}. She advised me that the change should be available to view within XXXX hours, so wait to make payment. Around XX/XX/XXXX, I logged in and paid {$25.00}. Then, around XXXX, Navient sent me a delinquency notice for payment of about {$15.00}, stating that they had not received payment for XX/XX/XXXX. I could clearly see the payments reflected on XX/XX/XXXX and XX/XX/XXXX, but again I cant allow my credit to be compromised so I paid the {$15.00} on XX/XX/XXXX. I have now paid 7 months of my required payment and even prior to this incident the billing has been extremely sketchy. Can some one please review this company and their practices because I feel that they are taking advantage of me and I can not get anyone in this company to make this make sense. I am extremely upset that I have made over {$180.00} in payments for one payment they was supposed to only be {$23.00}! And they have the nerve to send me an erroneous delinquency letter, when in fact they owe me. You have my permission to dive as deep as necessary into the lifetime of my loan with this company. I have been trying to have them explain to me since XX/XX/XXXX, why my balance states {$140.00} with no clarity. I have made several payments to avoid late fees that come to nearly {$700.00} and they just keep taking the payments and telling me I owe more and more. This is not right. I am a single parent and can not keep this nonsense up in our current economic state. I'm exhausted working overtime to pay balances that should not be. Please review and take necessary action to resolve this unethical activity that is going on with my account. Thank you. | ||||||
| 06/17/2016 | Yes |
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| My loans through Navient were deferred because I went back to get a XXXX XXXX. I graduated on XXXX/XXXX/2016 with my XXXX XXXX. On the Navient website, it showed I did not have any payments due by my typical date of the XXXX of every month. In late XXXX ( after the XXXX ), the Navient website said I was due with a payment on XXXX/XXXX/2016. I paid all the requested amounts on all my student loans, and paid extra on XXXX of my student loans ( so that I could pay that XXXX off early ) - and this all happened on XXXX/XXXX/2016. My account on this date showed everything was paid properly and there were no notices of being late. On XXXX/XXXX/2016, I received my first e-mail that I had a payment due on XXXX/XXXX/2016 - except it was more than I expected. I log in to Navient and see notices that all but XXXX of my student loans was past due, and the past due amounts were past due for the exact amounts I paid on XXXX/XXXX/2016 for the payment due XXXX/XXXX/2016. I called customer service to get it corrected, but unbeknownst to me, they corrected by taking the amount I overpaid to XXXX loan and split it up amongst the ones that were overdue ( thereby reducing the overpayment intended to go to that XXXX loan ). Later in the day, I did not understand what they did, nor did I receive any notification over the phone or through e-mail about this matter, so I called them back. After sitting for a grueling 1.5 hours on the phone and asking to speak to a manager, I came to understand that since I graduated on XXXX/XXXX/2016, they backdated a payment due on XXXX/XXXX/2016, hence my original payment made on XXXX/XXXX/2016 for the XXXX/XXXX/2016 due date was retroactively applied to a payment that was backdated due XXXX/XXXX/2016. After asking how they can backdate a due payment over a month later, I was told it does n't matter because I was assessed no late fees and my account was up-to-date. At this point I hung up because further conversation was as pointless as watching paint dry. At no point did Navient notify me through e-mail or mailing that I had a payment due on XXXX/XXXX/2016. And at no point did Navient notify me that they were going to backdate a payment due on XXXX/XXXX/2016 - both e-mails and their website listing of messages prove they made no attempt in notifying me. If I had not overpaid that XXXX loan and had it split up to cover this ghost due payment, I would have been listed as being late and charged fees. I do not feel like I can be the only XXXX this has happened to, because in my talks with customer service, it is evident there is gross mismanagement - especially when my questions about how they can do this went unanswered and I was told it does n't matter because the account was up-to-date. | ||||||
| 09/18/2019 | Yes |
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Web | Older American |
| This is a complaint against Navient-XXXX XXXX for malpractice in the full settlement of private student loan accounts. My name is XXXX XXXX XXXX, guarantor ( co-signer ) of the private student loan accounts of my daughter, XXXX XXXX XXXX which is being serviced by Navient. I have been paying these loans myself, being the guarantor, while my daughter is paying the federal student loans which she can only afford to pay by herself. On XX/XX/XXXX, I called Navient offering to pay the following XXXX XXXX XXXX XXXX student loan accounts : XXXX # XXXX ; XXXX # XXXX ; XXXX # XXXX ; and XXXX # XXXX. I was talking to a lady whose name I can not remember. However, I was advised that our conversation was being taped. The lady said that to settle all the private student loan accounts on this date, I need to pay the total amount of {$45000.00} by issuing a bank check which will be electronically transmitted and debited to my bank account immediately. I then issued my XXXX Bank check # XXXX for the indicated amount. ( Refer to Exhibit XXXX with an arrow pointing to the item ) After this settlement I was expecting from Navient an acknowledgement that all the student loan accounts of my daughter were fully paid. However, Navient was still sending a XXXX XXXX every month for XXXX Account ending XXXX showing balances but demanding no payment. ( Refer to Exhibit XXXX for the latest billing summary received ) On XX/XX/XXXX, I wrote Navient reminding them of the full payment of the student loan accounts and to release me from my guarantee. ( Refer to Exhibit XXXX ) On XX/XX/XXXX Navient replied in a letter ( Refer to Exhibit XXXX ) that Loan Accounts ending in XXXX, XXXX, and XXXX are closed and paid in full with a total amount of {$27000.00}. Navient also stated in the XXXX paragraph of this letter that, regarding Loan Account ending XXXX, they only received a payment of {$29.00} and not enough to pay the loan because there is still left a balance of {$68.00}. This statement is not true because the amount attributed to the payment of Loan ending XXXX would be {$17000.00} [ Check amount of {$45000.00} minus {$27000.00} ( full payment of the other XXXX XXXX XXXX XXXX loan accounts ) ] On XX/XX/XXXX, I wrote back to Navient refusing to pay any amount because the payment of {$45000.00} was agreed to fully pay all XXXX XXXX XXXX XXXX loan accounts. Navient should issue me a letter that Loan account ending XXXX has been paid in full, is closed, and I no longer have any financial responsibility to this account. The cashing of the check payment of {$45000.00} by Navient is an acceptance of the full settlement agreed by its representative. I will appreciate CFPBs intervention to this matter in my favor. Thank you very much. | ||||||
| 06/14/2021 | Yes |
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| Navient has taken immediate negative action against me because I filed a borrowers defense loan forgiveness request : 1. Before I filed a borrowers defense loan forgiveness request ( case # XXXX ), I had a forbearance in effect with a payment start date of XX/XX/XXXXper letter dated XX/XX/XXXX. 2. On XX/XX/XXXX, I filed a borrower 's defense loan forgiveness with Federal Student Aid : an office of the U.S. Department of Education 3. On XX/XX/XXXX, I received two letters from Navient dated the very same date of XX/XX/XXXX a. The first letter says, The U.S. Dept of Ed has notified us to process an administrative forbearance on your loans. b. The second letter said that there has been an adjustment of my forbearance and says, your forbearance period started XX/XX/XXXX and ends on XX/XX/XXXX. 4. Again, before I filed a borrowers defense loan forgiveness request, I had a forbearance in effect with a payment start date of XXXXper letter dated XX/XX/XXXX. 5. In sum and substance, after I filed a borrowers defense loan forgiveness request, Navient changed my loan repayment date to 4 months earlier than when it was scheduled to move from forbearance to repayment. To be clear, I had an existing forbearance before I filed for Borrowers Defense and that forbearance was scheduled to end with a XX/XX/XXXX repayment start date. 6. In addition, late fees have also been applied to my account. 7. Note that this is not the first time that US DEPT OF ED followed my loan forgiveness request with prompt negative actions. The first time I filed a loan forgiveness directly with Navient, two XXXX Police Department Squad cars came to my apartment to remove me based on a call that Navient placed to the police department ; at least six police officers came into my apartment geared up to forcefully remove me all because I made a loan forgiveness request based on XXXX and provided Navient with medical record ( To this day, I am traumatized by this event because a man in my area had a similar issue someone sent the police to his house to bring him to the XXXX ward and the police ended up XXXX the man ). When I contacted US DEPT OF ED about this matter, a representative by the name of XXXX XXXX who represented that he was with investigations threatened me with arrest and he called me a XXXX XXXX. XXXX XXXX also stated that he was with investigations, and if I did not pay my loans, the police would return to arrest me. I have kept this experience privately and have been suffering inside because of it, but I hope that you can help me. 8. For various legitimate reasons, I have requested documents from US DEPT OF ED so that I can verify and calculate the purported student loans but US DEPT OF ED has not provided the requested documents. | ||||||
| 04/17/2017 | Yes |
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| I have been dealing with Navient trying to repay my loan for over 2 years now. They have been nothing but rude and unhelpful every single time I have to call them about my loans and I end up in tears by the end of the conversation. I am a single mother of XXXX children and am only able to work part time. I have a co-signer on XXXX of the loans but she is a small business owner, still raising children and can not help me at all with my payments, but Navient seems to think that money just grows on trees. I have to make two separate payments every month, one for {$93.00} and the other for {$160.00}, I bring home {$120.00} a week..that 's {$480.00} per month and I have to pay rent and put gas in my car to get to work. But it gets better, Navient seems to think that the money I receive from Child Support for my children should be used to pay for my student loan every month. This is what has sent me over the edge with this company. They are taking 85 % of my earned income every single month and they think the money I receive to feed and cloth my children should be used for myself instead of them? I have a few choice words for Navient because I am not one of those mothers who thinks its appropriate to use child support money for anything other than my children. I will be writing a letter to President Trump regarding the unethical use of children 's money to pay student loan debt by these rude sharks. Child Support is not my income, my part time job is my income and I am deeply offended by the fact that this company thinks they have a right to money that is for my children. We can circle back to the XXXX these rude customer service people who talk to me like a piece of dirt cause me every time I call asking for their help. I am not trying to default on my loans, I have already filed bankruptcy and my credit is nothing but I am trying, in good faith, to pay back my debt and they are literally robbing me. I just want someone to listen, someone who cares that they taking child support money away from children with separated parents. My children already have it bad enough only having one parent and Navient wants to take it a step further and rob them of money they are entitled to for their own selfish gain. I only made {$15000.00} last year and will only make {$5000.00} this year, Navient will take over {$3000.00} from me, more than half of my earned income. This is not right, this is going to negatively impact my innocent children and this is so, so wrong. Please hear my concerns..Please assure me that something is going to be done about this unethical use of child support monies by this company. I just want to be heard and I want my daughters ' child support money to be used for what is intended to be used for. | ||||||
| 01/24/2017 | Yes |
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| Around XXXX I had an initial conversation with a representative of the Financial Aid office at the XXXX college in XXXX which CLOSED down a year after. During that almost four-hour conversation, I emphasized that I MIGHT be willing to cosign to support my daughters costs of attendance if she needed my help. The lady informed me that because my daughter was XXXX, she could enter into the loan independently and that she was guaranteed to be placed in suitable employment upon graduation, and that would enable her to repay the loan proceeds herself. And the loan would not be due to her until at least 5 yrs upon graduation. The school closed and my daughter was never given a job and now her degree is useless because there are no XXXX school left in USA. The financial person requested my personal information to run a credit check for eligibility " just in case '' my daughter needed a cosigner for the loan. She did not inform me that providing this information meant that I was granting permission to be listed as a co-borrower and for the loan to be generated using my personal credit profile. The result : there were XXXX loans generated on both my daughter and myself. My daughter has a loan for about XXXX. The Loan was granted ( me ) was done for almost XXXX WITHOUT my signature and I have paid back I believe close to XXXX because I was scared if I did n't pay my credit would be affected! I created an account and finally was able to contact customer service representatives in the XXXX XXXX and XXXX. They informed me that I had a loan that was due and payable immediately. I was told that if I did not make immediate payment arrangements, the loan would go into default and it would negatively impact my consumer credit rating. I felt explicitly threatened and intimidated and since I could not find anyone at the XXXX XXXX loan agency to contact stateside to contest what was a fraudulently made loan, I assented and agreed to make payments. I called every month to protest these payments, demanding other agency contacts that I could reach to rectify this gross injustice and fraud. No such information was ever provided and I continued to pay until I placed the loan in deferment for the past 5 years while I continue to fight and find answers. As of XXXX XXXX, I have paid more than {$20000.00} total, and there is still and outstanding balance of over {$40000.00} due on this loan I did n't not take out. Further, my daughter was also made a loan that is also in deferment with a XXXX balance due as of XXXX XXXX. And XXXX now Navient keeps telling me to defer the loan. I am trying my best to have someone assist me with this fraud - I have papers with NO signature of mine on this loan ; my name is TYPED by Navient. | ||||||
| 05/13/2018 | Yes |
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Web | Servicemember |
| Because of the malicious, vindictive credit reporting of NAVIENT, this XXXX XXXX XXXX XXXX XXXX has been caused to loose thousands of dollars. Additionally, NAVIENT, on the surface, appear to want the obligation paid twice, if not three times. THE COMPLAINT : CFPB is reporting to XXXX XXXX XXXX information that does not conform to known facts. The facts are these : 1. My son obtained Student Loans that went into default. 2. Yes, I did co-sign one or more of the loans. 3. NAVIENT has held collection authority. 4. All known loans in question have been released to XXXX. 5. XXXX has provided documentation for all interested parties ( XXXX XXXX, the three credit bureaus, XXXX XXXX, and now NAVIENT ) that all known student loans are being repaid under agreements recently ( 5 or 6 months ) made. 6. NAVIENT adamantly REFUSE to correct their reporting in this manner to reflect the current status and their past role. 7. NAVIENT know, knew, should have known, should have been advised, or should have sought out ability to correct their reporting system at the time XXXX reached an agreement with my son ; and, they lost ability to conduct any further collection activities, nor report anything other than the transfer to XXXX. 8. NAVIENT continued, out of a vindictive want to impose pain and suffering to people under a guise of retained authority. 9. NAVIENT went as far as to convince others ( XXXX XXXX, all three credit bureaus, and XXXX XXXX, that me and my son was attempting to perpetrate credit fraud. 10. NAVIENT continues to try and force collection ( by third parties, like XXXX ) through subliminal tactics of {$35000.00} when they are fully aware that the balance has been reduced to {$22000.00} as of XX/XX/XXXX. This may be categorized as a form of EXTORTION. THE PRAYER : CFPB will thoroughly investigate acts and actions of NAVIENT along the above charges, and compel them to correct all contemporary and future reports of this matter according to CFBB investigation results. Advise if Federal laws surrounding this kind of debt and debt reporting have been violated. NOTE : NAVIENT was granted 48 hours to correct their reporting by U. S. Mail on XX/XX/XXXX. The smug remark made by the NAVIENT representative, and recorded by the XXXX XXXX representative is : It will take us four to six weeks. She did not seem to care that she was impeding a home purchase transaction. Support Docs : XXXX letter XX/XX/XXXX ; and, XXXX Student Loan Summary with six month payment history, XX/XX/XXXX NAVIENT XX/XX/XXXX update, XX/XX/XXXXXXXX XXXX XXXX Review and Summary, XX/XX/XXXX Complaint to Credit Bureaus, XX/XX/XXXX Correspondence with XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX Guide to Navient Lawsuits,?? XX/XX/XXXX | ||||||
| 02/26/2019 | Yes |
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| I graduated college back in XXXX. Back then, my school loan was with NY Department of Education and afterwards Sallie Mae. I was told numerous times that my starting salary in my field would be around $ 50k. With some smart saving I thought I would be able to still pay off my loan while my wife and I lived in a small 1 bedroom apartment. When I was finally offered a permanent job, it was at $ XXXX/hr in my field. A far cry from the $ XXXX that my college said I would start at. I called Sallie Mae and was never offered the income based payback method. Everything was with them was always deferment. This went on for years even after Navient took over. I went from under a $ 30k student loan to $ XXXX student loan because of all the deferments and the high interest rate of 8.125 %. The difference is all capitalized interest and whatever other fees they tacked on through the years. Navient wouldn't let me refinance at a lower rate because they said I was ineligible. They knew what they were doing and never told me I could of paid based on my tiny take home paycheck starting back in XXXX! Fast forward to XXXX. Im finally making a little money hoping to start making payments to bring this ridiculous monster debt that I shouldnt have down. Now all of a sudden they want to do income driven repayment. I told them I cant do more than $ 150/month. Everything they calculated was through my tax returns. Nobody from Navient would work with me regarding what I could actually afford to pay. Jump to XXXX and now Navient wants $ XXXX/month which I definitely cant do. The company seems to forget that I dont get to keep what the IRS reports and that Navient is not my only bill. I have to pay for my vehicles to get me to work to earn my paycheck. Pay for gas to get me back and forth to work as well as insurance. Pay for the roof over my head because in my job, I need to be awake and very alert. Pay for the various personal insurances. Monthly utility bills because heat would be nice in the cold months and a little a/c in the summer since where I live it gets very hot. The credit cards because thats the only way we can afford to buy our food and those are maxed out. My wife packs everything up for me and I dont order out because we cant afford it. Then there are other bills as well. You get my drift. I have told Navient time and time again, even paying $ XXXX/month is pushing it but I can do that on time every month unlike the {$720.00} payment. I want to pay it off, but I simply cant afford that much even though my tax returns look like I can. By the time everything is paid, Im lucky if we have {$5.00} left in the bank. So maybe Navient will step up and work with me since I had no choice but to come on here and complain. | ||||||
| 12/21/2017 | Yes |
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| Early this year there was a mix-up with my mailing address that is still affecting my credit score. After making payments for what I assumed was interest to avoid capitalization, my correspondence from Navient began inexplicably being sent to an address that was over a decade old, and I received neither emails nor phone calls that notified me of the change. Again, I had been receiving correspondence and even made payments from my current address at which I 've been since I purchased it in XXXX. It was only until seeing a major dip in my credit score that I was even aware there was a problem. After speaking to one of Navient 's representatives to see why they 'd reported me as delinquent, XXXX, and later a manager, XXXX, we were able to get the situation cleared up. They acknowledged that correspondence had been sent to several old addresses and were unable to determine precisely why. They claimed that they had tried to contact me but I can attest to the fact that I received no contact. My current address and phone number were confirmed and my account was made current and placed into deferment until my next payment which was due XXXX/XXXX/XXXX. Unfortunately, my credit score is still showing me as having delinquent payments, even though I didnt receive any bills, correspondence, or contact of any kind from Navient after the payment made in XXXX XXXX ( again, made under the impression that it was another interest payment to prevent it from being capitalized since I had n't received anything that indicated that my loan had moved from a deferment to a repayment status ). Ive filed a dispute with the credit agency ( XXXX ) already and did the same with Navient. I asked Navient to send me a written confirmation that my bills were being sent to the wrong address so the credit agency could complete their investigation and repair my credit score. Failing that, I asked that they provide an updated report that reflects the fact that my account was current, no payment was due until XXXX/XXXX/XXXX, and I was therefore not a delinquent borrower. I provided all this information to Navient in the form of a letter, along with a copy of my credit report. Also included was a copy of a billing statement dated XXXX/XXXX/XXXX which reflected no past due balance and no payment due until XXXX/XXXX/XXXX. Navient has refused to remove the delinquency or provide the information I requested so I can try to get the matter resolved through XXXX. Because my Federal loans count as 13 separate accounts, this has had a MAJOR impact on my credit score. My payment history for this and all other lenders is otherwise flawless and it is n't fair that a mistake made by Navient can have so much impact on an otherwise perfect history. | ||||||
| 01/18/2017 | Yes |
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| I am not 100 % sure if I have submitted this before. I read of action you are taking against XXXX, part of Sallie Mae, which prompted me to send this in. I missed out on 6 years of potentially PSLF eligible payments thanks to their ignorance or deception - whatever it was. I have always been a pretty savvy and inquisitive consumer, so I look to learn all I can and make informed decisions - which Sallie Mae never made easy. I was on a 25 year repayment plan starting in XXXX to keep my payments manageable. They said my payments may go up if I went for IBR, but then never gave any guidance on how to learn what the new payment would be based upon my income so I could know if it was a wise decision or not. I checked with them about once a year to see if any new programs that would help me existed, but it felt like they wanted me to either stay on my plan, or move to the 10 year standard repayment. Information about any other plan always seemed to be presented in a discouraging way. For example, when I asked about IBR, their guidance was just to move to the new plan, and they would tell me what my new payment would be when they figured it out. I could n't afford to gamble on my payments going up too much above where they were, so I did n't. Turns out years later and with a much higher income on PSLF, my payments are STILL lower than they were on my 25 year payment plan! My suspicion is that if Sallie Mae 's records of my payments from XXXX till I consolidated with Direct Loans in XXXX and compared them to my tax returns, many if not all of my payments would have been PSLF qualifying. Sallie Mae never mentioned that with IBR there was a cap on number of payments ( 20-25 years ) then any balance left was forgiven - they made it sound as if you had to keep paying till there was a XXXX balance - or perpetually forever in many cases. Since my monthly balance is higher each month thanks to the lovely miracle of compound interest, my spouse and I are counting on future PSLF forgiveness for the sake of our potential to weather old age as a childless couple. ( We do n't have kids because we ca n't afford to, nor do we own a home where we reside because the market here is too expensive. ) Sallie Mae also said for PSLF you had to refinance to Direct Loans ( XXXX - XXXX services my loans now ). I was also aware that my interest rate would go up up I refinanced, so I was reluctant to do so without good reliable information - which they were not good about supplying. Does this action go against Sallie Mae, or just XXXX division? Please share this as appropriate. I would love to have my story help someone else avoid these pitfalls! Thank you for what you do for consumers - you are truly and deeply appreciated! | ||||||
| 11/01/2017 | Yes |
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| To Whom it may concern, I am writing to file a complaint about Navient, the student loan servicing company. I have had a lot of trouble over the past few years with this company and their practices. Their incompetence and unprofessional behavior has made it difficult to properly pay off student loans without calling back again and again over months to make sure the payment is applied correctly. Consumers should not have to babysit their financial servicing company, call back every week, for weeks on end, and make sure the thousands of dollars they just spent to pay off a student loan is applied correctly to the loan. Navient has also made it impossible for me to sign up for an automatic payment program on my private student loan, which is eligible for a 0.50 % interest rate reduction once signed up. I have been trying to get someone to help me sign up for 2 years XXXX it does n't work with their online dashboard ). They have documentation about my attempts to sign up for this as far back as XXXX XXXX. Many ( not all ) of the customer service staff are rude, have a very poor attitude and are insulting when calling to ask for help. I have begun calling Navient again to get signed up for this automatic payment so I may reduce my interest rates. This morning I have spoken with 6 different people, all of whom transfer me to the next department to essentially pass me on to someone else. A previous research investigation about the .50 % interest rate reduction was closed with no result, and no contact from Navient. Additionally, as I attempt to pay my loans off so I do not have to deal with this company again - I am reminded at how poor their website and dashboard system is. After making a {$500.00} principal payment to a loan, I received no email confirmation. There is no record of it online in the online dashboard management or account over the phone. The response is to wait 48 hours and call back. I find this to be unacceptable in this day and age. Finally, the organization of this company terrible. Upon calling to service my account, I can not speak with one person about my private and federal student loans. Employees have only 1/2 of the information to help you. The endless transfer back and forth between the split office, and to the collections department for payment, is deplorable. Each office works with different software, computer systems and information and as a result can not help you in a single phone call. Any entity that must transfer you between 3 departments over 90 minutes of being on hold in order to set up a single automatic payment clearly has major problems. This is not the type of organization that should be servicing hundreds of billions in debt. Thanks for listening | ||||||
| 08/11/2017 | Yes |
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| XX/XX/XXXX Basically, the issue here is that Navient/XXXX XXXX has consistently reported inaccuracies on my student loan account. One source of the inaccurate data has been from XXXX XXXX failure to record my full home address even though it was directly reported. That failure to record accurately resulted in a three months delay in my receiving income based payment annual application in a timely fashion. This situation caused my account to lapse and collect past due fees for which I should not have been penalized. Second, XXXX XXXX/Navient has also caused further harm by submitting the wrong information regarding my eligibility for deferment/forbearance plan. By supplying misleading information regarding my eligibility for deferment/forbearance, XXXX XXXX has manipulated my account and this process has given the XXXX XXXX the ability to wrongly charge my account with late payment status. For clarity/specifics, on XX/XX/XXXX, I contacted XXXX XXXX by phone to report my change of address. The XXXX XXXX agent who handled my call informed me that she would update my account data. However, XXXX XXXX claimed that I simply failed to properly report a change of address. On the contrary, I have found my certified letter to XXXX XXXX dated in XX/XX/XXXX of that transaction request. ( copy attached ) It took XXXX XXXX three full months before the application form was actually delivered to my correct home address. ( There has been late fees added to my account as a result of that late transaction by XXXX XXXX. ) Those late fees were added in XX/XX/XXXX when the Navient system reported my account as being ninety days past due on my credit report. The other major problem is that I have been on the Income Based Payment Plan since XX/XX/XXXX. My loan was consolidated with XXXX XXXX in XX/XX/XXXX. However, when I lost a full time job in XX/XX/XXXX, a XXXX XXXX agent informed me that I was eligible for a deferment plan. However, she was wrong, and as a result of that wrong information, when the deferment time expired on that plan, a payment was necessary to keep my account updated. Yet, my income was too low to pay it. In other words, I should have simply remained on the income based payment plan. There was no real need to change plans in the first place. Meanwhile, the " ninety days past due '' has been reported by XXXX XXXX/Navient on my credit report. This has limited my credit score and impacted my ability to obtain credit. I have supporting documents to support my above claim. There are two separate attachments which clearly identified the negative situation on my account with Navient. Consequently, I make the request that Navient remove the late fees from my current credit report. XXXX XXXX | ||||||
| 01/04/2019 | Yes |
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Web | Older American |
| To Whom It May Concern : I am formally submitting my complaints to Navient about my Plus loan service. The following is my account history. 1. There were four Plus loans in four years, starting in the year XX/XX/XXXX to the yearXX/XX/XXXX. 2. Starting from the year XX/XX/XXXX, I consolidated the loans every year. So there were 3 consolidation. It became a big loan after 4 years because the consolidations. 3. I started paying back the loan in the year XX/XX/XXXX, even during the years of loan consolidation. 4. After XX/XX/XXXX, I had forbearance for the next three years. 5. I started paying the loan after the forbearance until recently when I started to audit this loan account and put this account in dispute. The big issue I have is after paying the loan for 16 years, not including the forbearance period, I currently still owe more money than all the money I borrowed. This caused me to put my attention to the details of this account. I requested Navient to provide me with all the original loan and consolidation documents, complete payment history, and the answers to the following questions : 1. I believed I started to submit my payments in the year XX/XX/XXXX. However, I did not see any payment record before the year XX/XX/XXXX. Could you please provide those missing records? 2. When I first applied the Plus loan, I was told the complete payback time was 10 years. I did not see anything like that mentioned on the promissory notes. Could you point out on the notes that stated otherwise? How was my Plus loan scheduled for repayment? 3. I submitted the payment every month for 16 years. For each payment, what was the percentage allocated to principle and what was the percentage allocated to interest? Where were these percentage specified on the note details? 4. Navient stated this loan was a simple interest loan that was compound daily. Could you please point out where on the notes I signed indicated this type of interest compounding method? 5. I also requested a copy of each promissory note that is COMPLETE and CLEAR so I can read the details of the promissory note. However, they were not provided. After more than three months, Navient still has not provided answers to any of the above questions I asked. My investigation and audit of my Plus loan account could not continue. This is the reason I submit my complaints to you and sincerely hope you can step in to help my investigation and audit of the account. Another thing I noticed interesting is that, during the three-year period of forbearance, no one told me I could pay back the loan using something like income-based payment plan. In those three years, my spouse still worked. I could have benefited from this type of payment plan. | ||||||
| 04/13/2016 | Yes |
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| The following statement cites and corresponds with a previous report filed against Navient Solutions , Inc. as of XXXX XXXX, 2016. The issues that will be addressed are in regards to the inaccuracies of Navient 's online account information, and the conflict of information and instruction to clientele between company representatives and paper documentation. Navient Solutions , Inc. is requiring three qualifying payments to be made in order to qualify for the Rate Reduction Program. " The Rate Reduction Program you were approved for requires three qualifying payments to be made before you are officially enrolled into the program. Your third qualifying payment is scheduled to post on XXXX XXXX, 2016. '' Recent phone calls from representative XXXX XXXX of the Collections Department of Navient Solutions , Inc. have instructed that these three qualifying payments are set to the amount of {$350.00}, with the program to be successfully initiated after the third qualifying payment, which was recently posted on XXXX XXXX, 2016. A phone call with XXXX XXXX at XXXX has confirmed that the third qualifying payment, as before, is the amount reflected in the Rate Reduction Program. Documentation also states that three qualifying payments are required before the Rate Reducton Program is scheduled to process, though no further information is stated to constitute or define the exact specifications qualifying payment. Conflict of interest is also revealed in the recent response made by Navient Solutions , Inc., in reference to to previous Case Number XXXX : " It is important to note that your enrollment into the Auto Pay Program is not set to begin until XXXX XXXX, 2016 when you have successfully completed enrollment into the Rate Reduction Program. The three qualifying payments you had set up over the phone on XXXX XXXX, 2016 for enrollment into the Rate Reduction Program are recurring payments and not payments initiated under the Auto Pay Program. '' This information does not provide clarification for the current conflict of the correct payment amount, which has been previously agreed by both parties to be set to {$350.00} for three qualifying payments. " You qualified for a reduced interest rate of 7.00 percent under the program, which would reduce your monthly payment from {$430.00} to {$350.00} under the program. The Rate Reduction Program requires three qualifying payments to be made for the modified payment amount before your loan is officially enrolled into the program. Your third qualifying payment is scheduled for XXXX XXXX, 2016. Assuming the payment clears, you will then officially be enrolled into the program retroactively, effective from the date you were initially approved for the program. '' | ||||||
| 04/11/2019 | Yes |
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| Today, XX/XX/XXXX, I initiated the process to get an income based repayment plan for my student loans, which are being serviced by Navient. I first went to studentloans.gov to fill out the information as to which repayment plans I qualify for. I found out through the website, unsurprisingly, that I qualified for the PAYE and REPAYE payment plans since all of my loans are federal student loans acquired through the Departement of Education. I proceeded to download and complete the Income Based Repayment Form ( since for some reason the website could not access my IRS information electronically ) and prepared the documentation I would use to verify my income ( which is my IRS tax return for XX/XX/XXXX). I proceeded to go to Navient 's website to upload this documentation and to start my application for an income based repayment plan. I followed the relevant links and I went to the page where I have to fill the information needed for this application. It had more or less the same questions I filled out in studentloans.gov with the exception that they also ask for my Gross Pay on top of my Adjusted Gross Pay. When I finish filling out the information, I receive a notification that I do not qualify for ANY repayment option. This was very confusing for me since, as I've stated, all my loans are federal loans and studentloans.gov arrived at a completely different conclusion with the same information. I proceeded to call Navient at XXXX to find out why they reached they're conclusion. I told the representative about the fact that I was surprised that they said that I didn't qualify for any income repayment plan while studentloans.gov said that I did and that I still uploaded the Income-Based Repayment Plan Application along with my XXXX IRS Tax document. She proceeded to tell me that they actually could not see the information contained in my documentation till 24-48 hours and that they will take 17 business days to process my application. I CANT BELIEVE THAT THEY FIRST TELL EVERYONE THAT THEY DO NOT QUALIFY FOR ANYTHING WHEN THEY ACTUALLY HAVE A WHOLE DIFFERENT PROCESS FOR APPLYING FOR AN INCOME BASED REPAYMENT PLAN. Furthermore, they have unnecessarily long processing times that actually run out the clock on any grace period one has before starting to pay one 's student loans. To everyone that counted on having an income based repayment plan when they took out a student loan, you need to first go to studentloans.gov to educate yourself on what your options and rights are. Navient will first lie to you about what you will qualify for without even looking at the information you submitted. They will also stall and delay as much as they can in order to force you to make unnecessarily high payments. | ||||||
| 06/12/2020 | Yes |
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| Navient has taken immediate negative action against me because I filed a borrowers defense loan forgiveness request : 1. Before I filed a borrowers defense loan forgiveness request ( case # XXXX ), I had a forbearance in effect with a payment start date of XX/XX/XXXXper letter dated XX/XX/XXXX. 2. On XX/XX/XXXX, I filed a borrower 's defense loan forgiveness with Federal Student Aid : an office of the U.S. Department of Education 3. On XX/XX/XXXX, I received two letters from Navient dated the very same date of XX/XX/XXXX a. The first letter says, The U.S. Dept of Ed has notified us to process an administrative forbearance on your loans. b. The second letter said that there has been an adjustment of my forbearance and says, your forbearance period started XX/XX/XXXX and ends on XX/XX/XXXX. 4. Again, before I filed a borrowers defense loan forgiveness request, I had a forbearance in effect with a payment start date of XXXXper letter dated XX/XX/XXXX. 5. In sum and substance, after I filed a borrowers defense loan forgiveness request, Navient changed my loan repayment date to 4 months earlier than when it was scheduled to move from forbearance to repayment. To be clear, I had an existing forbearance before I filed for Borrowers Defense and that forbearance was scheduled to end with a XX/XX/XXXX repayment start date. 6. In addition, late fees have also been applied to my account. 7. Note that this is not the first time that Navient followed my loan forgiveness request with prompt negative actions. The first time I filed a loan forgiveness directly with Navient, two XXXX Police Department Squad cars came to my apartment to remove me based on a call that Navient placed to the police department ; at least six police officers came into my apartment geared up to forcefully remove me all because I made a loan forgiveness request based on XXXX and provided Navient with medical record ( To this day, I am traumatized by this event because a man in my area had a similar issuesomeone sent the police to his house to bring him to the XXXX ward and the police ended up XXXX the man ). When I contacted Navient about this matter, a representative by the name of XXXX XXXX who represented that he was with investigations threatened me with arrest and he called me a XXXX XXXX. XXXX XXXX also stated that he was with investigations, and if I did not pay my loans, the police would return to arrest me. I have kept this experience privately and have been suffering inside because of it, but I hope that you can help me. 8. For various legitimate reasons, I have requested documents from Navient so that I can verify and calculate the purported student loans but Navient has not provided the requested documents. | ||||||
| 10/19/2017 | Yes |
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| Hi, My name is XXXX XXXX. I graduated from the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Degree in XXXX XXXX XXXX XXXX. When I signed up for the school, they told me that I could get a loan through Navient ( XXXX XXXX at the time ) but in order to do that I would need to have a co-signer on my loan. I was also clearly told that 2 years after my graduation date I would have the co-signer off my loan. It 's been 8 years no and I still ca n't get this to happen. - I called about 4 years ago and asked them how to get the co-signer released. The agent told me that in order for that to happen, I would need to be making consecutive payments for 1 years and then apply for a " co-signer release ''. - I called 1 year after ( and making payments with out fail ) and this agent told me I was mis-informed. That I needed to be making payments of X amount in order to apply for a " co-signer release ''. - I did what they asked again, called again a year after and now this agent told me I was mis-informed again about the payment amount, that in order to apply for a " co-signer release '' I 'd need to be making payments of about {$1700.00} a month. I broke down crying and told them they were doing this on purpose, I know they are just doing all they can so I 'm never able to have my co-signer off my loan. Do n't forget, it was suppose to be 2 years after, no one ever told me about these conditions! Not the financial adviser at XXXX XXXX XXXX, not Navient, no one. I would never have signed up for this loan if I know I would keep my mother on the hook for life. This is a true SCAM. - I contacted the Mass Attorney General 's office and spoke to a person in Insurance & Financial Services Division. This person contacted Navient on my behalf, and Navient told her that I wo n't be able to apply for a " co-signer release '' because my " debt-to-income ratio '' does not qualify for such. - Asked the person at Insurance & Financial Services Division to ask Navient how much money I would need to be making to apply for this " co-signer release ''. She called Navient and Navient told her that they do not disclose this information. That it 's proprietary information. So basically, any time I try to apply they can always say " it 's not enough ''. And in this way, they keep me and my mother slaves of their corporation for LIFE. I need to get my co-signer off my loan, it 's enough. 8 Years of this, I ca n't have a good night sleep knowing that even if I die or something happens to me for some reason, my poor mother who makes only enough to survive, will get slammed with my loan on top of my XXXX and will completely cripple her life even further. I need to get my co-signer off my loan. IT 'S ENOUGH. XXXX XXXX | ||||||
| 07/09/2019 | Yes |
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| Once I realized in mid XXXX that my 4 accounts were reduced to 3 accounts with Navient student loan company, i contacted them. First i was told it was still 4 accounts and that I am not due to pay any amount since my loans are on administrative for forbearance. Same year, I got a credit score report with my score plunging down due to derogatory reports from Navient that one out of four loans was in charge off/collection. I started to make numerous phone calls, send emails and postal mails with dates. I would stay long hours on the phone to resolve the issue, I even disputed credit reports through the credit unions all to no avail. My credit score continues to be affected by this monthly derogatory report and am not able to qualify for any credits whatsoever because of it. I made many calls requesting that my one account gets moved back to the current accounts like my 3 other accounts. I sent so many emails until they stopped accepting emails from me and I would get undeliverable messages from Navient. I do not know who else to go to and what else to do. Legal actions do take time and money so I was advised to file a complaint through this website. The last time I tried to solve this was Friday XX/XX/XXXX on or around XXXX. I spoke with XXXX XXXX then XXXX XXXX, then XXXX XXXX who went through all the payments and determined that the error was made in the manner they split my payment. I always made one consolidated payment for my 4 student loan accounts that is sending only one payment. According to XXXX, she determined from her search that at sometime in XXXX of XXXX they made the mistake and missed one account when they were crediting all 4 accounts. According to XXXX, she said that in XXXX, they reported the account since it was in collection/charge off to credit reporting agency. XXXX finally indicated that this can be fixed since she is able to locate the reason and it can only be done by customer service. XXXX XXXX then transferred me to customer service escalation team rep XXXX XXXX to fix the problem. XXXX said she will contact the necessary departments and get it resolved by pulling it out from collection/charge off. I have continued to be in contact with Navient staffs and no matter the promises I got that it will be fixed, it was never done. I plead that you help me resolve this as my credit score has been bad for years because of this monthly reports. In addition to these derogatory reports, the loan amount continues to increase. I even sort an attorney to discuss this, after the attorney reviewed all the files I sent to him, he wrote them and was on the phone with me and them in XX/XX/XXXX when they said it will be resolved by customer service escalation team, XXXX. | ||||||
| 06/18/2018 | Yes |
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| Thankfully I keep all documentation- I have proof of paperwork showing that I submitted deferment paperwork that included the dates that Sallie Mae reported incorrectly. Please notes that these forms are dated as to when they can be used. The address associated with each request is also proof of times submitted. In XX/XX/XXXX, I lived XXXX XXXX XXXX in XXXX, Texas. In XX/XX/XXXX, I lived at XXXX XXXX XXXX, Texas. This is further supported by the attached tax return information. As I have stated the information that Sallie Mae place on my credit reports are wrong and need to be removed. I submitted a complaint and less than 48 hours later it was closed. This show absolutely no review was actually done. REVIEW THE DOCUMENTATION I have numerous accounts showing that I have late payments that have fallen under Sallie Mae all in and around XX/XX/XXXX through when the name change to Navinet XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. Sallie Mae is listed 9 times 1. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. Sallie Mae opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3. Sallie Mae opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Sallie Mae opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. Sallie Mae opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. Sallie Mae opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. Sallie Mae opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. Sallie Mae opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to Navinet and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off. | ||||||
| 08/09/2017 | Yes |
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Web | Servicemember |
| I have defaulted on my student loans. I have made several attempts in the past 11 years or since XX/XX/XXXX ; to file for forbearance, to make payments and to use the income based repayment plan offered. Each time I took the time to contact the lender ( XXXX later Navient ) there always seemed to be an issue with paper work submitted and needing to update the next month. I made several attempts with payment arrangements over the phone to get payments to an affordable income based amount only to be told I had to resubmit and reapply for income based arrangements within days or weeks of submitting paper work. The entire process has cost me much time and even greater money, because despite my attempts at income based arrangements in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my original loan of XXXX has now grown to XXXX and is closed but Navient continues to call me XXXX times per day. The gentleman named XXXX assigned to my case has contacted my supervisor and most recently on XX/XX/XXXX the secretaries and receptionist at work asked me how they can get this guy XXXX from Navient to stop harassing them " every half hour, all day every day ''. I have not contacted the lender or debt collector for the past 18 months or so because I feel it has not helped in the past with false claims on options offered ie making arrangements to pay {$54.00} per month, and then two months later needing to go through the entire lengthily process again. I have worked at a non profit public service job for the past 11 years and have not had a raise in 8 years. I make {$XX/XX/XXXX} an hour working a 40 hour week with no changes in my income. I am XXXX years old and have had good to excellent credit throughout my adult life until Navient came into my life. I am hoping you can assist with getting Navient to stop calling my Employer 's main number and my supervisor ; I have not given nor have I ever given them permission to do so. I have however, given them my work cell and my personal cell numbers to call with concerns and issues. Please assist any way you can. This is not only troubling to me but to my co workers who HAVE to answer their constant calls because that is their job. Thank you for your assistance in this most troubling matter. I would be happy to be able to pay them {$54.00} a month the amount they have negotiated with me on several occasions to alleviate this problem. I can not afford the $ 250-300 they continue to seem to want despite offering me options. Ideally it would be a relief to be able to get my credit score back to the XXXX range but I can not see a way out with this navient " monkey on my back, '' Thank you for your concern, XXXX XXXX | ||||||
| 05/15/2019 | Yes |
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| Well my student loan was being managed by Navient. I see that another law suit went into play by your company ... .Navient seems to being sued by everyone..huh? Yet my Federal Tax refund went to the US Dept. of Education ... the entire amount. I did not even know of owing anyone due to both of my XXXX needing XXXX and this has been a " long drawn out process '' thru XXXX ... my XXXX XXXX is finally done in the middle of winter and I stayed deathly sick afterwards so I called and told them my XXXX XXXX would not be done til summer. I'm not going thru that again. Now I owed them money too. I am responsible for an adult child with XXXX XXXX XXXX after raising a child with XXXX XXXX ... are you seeing the big picture here ... not an easy life so to speak. I thought Navient had gotten me thru a Loan forgiveness but I guess not due to the USDE taking all of my little {$2700.00} on federal tax refund. I depend on that money to do things that I can not afford to do off my little {$31000.00} a year which is not much after taxes in this economy now a days ... you can not even find a rental prop no matter what it is below {$600.00} and don't get me started on cost of living for everything else it takes to live in this crapped up world that in my opinion " the rich get richer and the poor get poorer '' ... .and while the Government turns a blind eye to I don't know how many millions that the banks got our country into back in XX/XX/XXXX ... .my XXXX little student loan which I thought was taken care of thru forgiveness ... oh yeah the government needs that ... In closing the USDE sent me some automated email with this case number attached to it XXXX ..my name XXXX XXXX. saying they would contact me within 15 days as of XX/XX/XXXX. No other contact has been made to me ... .so I guess in closing no only will I not get any of this years tax refund back ... .they are planning on doing the exact same thing coming up this years returns ... and I guess XXXX me out of money that I depend on as a single mom to take care of things I can't afford because it takes my entire pay just to live in this economy ... and I don't take vacations or go out to eat or those leisure things other people enjoys ... .I just try to live basically and make sure my child with a XXXX XXXX is okay. So if anyone and I mean anyone can take this seriously and help me out with this ... .I would greatly appreciate it. But, I've never been dealt a descent hand in life and I'm sorry to say due to that ... .I do not get my hopes up about things ... I guess I've grown complacent to expecting the worse and that's usually what happens ... so thank you from the bottom of my heart sincerely .... if you can do something about this in advance. | ||||||
| 04/10/2017 | Yes |
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| I had gotten into a major financial setback and was having trouble making payments to Navient for my private student loan due to my husband experiencing XXXX and awaiting a XXXX. On XX/XX/2017, I finally went into a repayment plan with Navient. It was my " last chance '' and the agreement was that as long as I paid {$50.00} to start the program, and got my monthly payment automatically deducted each XXXX of the month, then my private student loan WOULD NOT BE CHARGED off. I paid the {$50.00}, then had my first payment deducted XX/XX/2017. XX/XX/2017, I received a phone call from their charge off department, stating that my loan was charged off and I now needed a charge off plan. I explained my plan, and after a long hold time I was told I was correct and that I was not in charge off. On XX/XX/2017 I pulled my credit reports and it shows that Navient charged off my private loans. XX/XX/2017, today they took out their monthly payment again. I reached out to their consumer advocate group about my issues, and they called me at XXXX today and let me know that I was not in charge off, but that my credit report would not be updated until I had paid this payment plan for 3 months. I let her know this was not our agreement but let it go. I received a call at XXXX and XXXX from an automated system from Navient instructing me to call because I have " options. '' I received another call at XXXX from their charge off department. I tried explaining my situation to the rep-how I was no in charge off, that I had just spoken to someone today about it, etc, but she was very rude and condescending and told that it was incorrect and that I was in charge off! I am very frustrated with this company. They had me go into a payment plan that I set up for direct debit each month so I could avoid charge off and they still reported me charged off to the credit bureaus. They also refuse to remove this information despite our agreement. I can understand reporting me past due, because that is accurate, but not as charged off. If this was going to be the case, I would not have entered into the payment agreement since they were going to report me charged off anyway. Not only are they reporting me charged off to all the bureaus, but they also within their own system have me as charged off, resulting in threatening calls more than 3 times a day. I am paying per their terms and this is unacceptable. I am tired of feeling harassed, threatened, and humiliated by their representatives, I am a paying customer and do not deserve this. I also have been working very hard these past months to rebuild my credit and they destroyed it with their negative reporting. Please do something about this company and their terrible practices! | ||||||
| 07/28/2023 | Yes |
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| I am a private student loan account holder with Navient. I requested from Navient a detailed student loan payment history that includes the bank accountor at least the last four digits of said accountfrom which my payments to Navient were withdrawn. Navient has refused to provide me with this information. By way of background, I am in the middle of a process to have my past student loan payments reimbursed. Among other documents, the reimbursing party wants two documents : ( 1 ) the bank statement showing the withdrawn payment; and ( 2 ) my student loan servicers payment history showing acceptance of the payment. All this is to say that they simply want me to demonstrate that I made a student loan payment from my bank account. However, for the payments in question, there are no existing bank statements because these payments that I made to Navient are over 7 years old. According to XXXX XXXXmy personal bank from which these payments were withdrawnthey do not keep bank statements over 7 years old pursuant to federal law. After working tooth-and-nail with XXXX to otherwise obtain these statements, it was clear that the statements do not exist. That said, the reimbursing party advised me to find another source of this information, so I called Navient. And indeed, I was advised by Navient that Navient has this information on its end ; this information is not available on my end. To acquire this information, I submitted XXXX requests over 2 months ( XXXX and XX/XX/2023 ) to have produced a more detailed payment history with the bank account information but was ultimately told on my 4th phone call ( dated XX/XX/2023 ) that it is Navients policy to not disclose such information. After going back-and-forth during the 4th phone call, the worker from Navient with whom I spoke instructed me on my options. He advised that I could mail a hardcopy request ( which he admitted would likely be futile ) and/or initiate legal process, i.e., a subpoena. I think it is perfectly ridiculous that I would have to undertake legal process to simply obtain bank account information for payments that I made to a student loan servicer. The worker with whom I spoke at Navient during the 4th phone call advised me that the main issue is the risk that a writing with the bank account information will be lost, intercepted, or otherwise possessed by a third party, thereby rendering Navient liable. I made it demonstrably clear how absurd this policy was, given that another Navient worker had advised me orally over the phone which bank account the payments were withdrawn from and that Navient could simply send the information over a secure email or through my account portal. That is the gist of my complaint. Thank you. | ||||||
| 10/03/2019 | Yes |
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| To Whom it may : concern My name is XXXX XXXX, I live at XXXX XXXX XXXX XXXX, XXXX, Illinonis XXXX, my SS # is XXXX, I was born XX/XX/XXXX. I am writing this letter to you today to ask you to completely eliminate my student loan from Navient based on bogus practices. Navient is facing a lawsuit for the following : that they harmed student loan borrowers throughout the repayment process, the CFPB alleges that since at least XX/XX/XXXX, Navient has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans. Navient Plaintiffs regarding Navient lawsuit represented by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX XXXX in XXXX. As a result, the plaintiffs claim that teachers, nurses, first responders, social workers and other public servants are paying millions of dollars more than they otherwise should in student loan payments. https : XXXX -- XXXX XXXX all about it https : XXXX # XXXX I am a product of such practices. Because they have had me get several forbearanes, which caused the interest rate to skyrocket. I am XXXX dollars in debt maybe more with the interest rate. It is no way on Gods green earth I can repay this loan back, and I am now XXXX years old, not only that. The school that I went to is now closed down, because of their practices I was told that my diploma would be obsolete because they have lost their accreditation. Complaint regarding the XXXX XXXX XXXX XXXX According to the complaint, on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX campuses lost their status as an accredited institutions, so if they are no longer an accredited institution that means that my diploma is obsolete, no good, I went to school for four years, and I worked hard, and then when I went to them to help me find a job they said I have been out of the industry, so therefore my skills were obsolete, how terrible, I was really upset over this, how can you tell me my skills are obsolete. Education should be free if you go to school and then later your skills become obsolete. They said they would help me find a job and they didnt very false, very misleading representation. There have been so many complaints against the XXXX XXXX XXXX XXXX, so many students were done wrong by this institution. Therefore as a result of all this, I feel that my loan should be totally forgiven, I am close to {$90000.00} dollars in debt, I do not want to have such an astronomical debt hanging over my head, I feel my education was a total waste of time, and money that I did not get, and have nothing to show for it. Sincerely, XXXX XXXX | ||||||
| 04/17/2017 | Yes |
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| There are a number of issues I have encountered wit h Navient that I had assumed were just normal frustrations over loan servicers. Issue number one was the obscure emails I would get stating that my, " Loan document was ready to be viewed '' and was then provided a link that would not take me to my loan documents, but rather my normal servicer website. I would then have to work extremely hard to even find where my loan documents were as they were not filed under any normal tabs or website areas ; I would be directed to login to a separate page and when I would, I would be directed back to my normal Navient account website. Issue number two, I have attempted to apply for income based repayment plans four separate times with no success. I apply online, my husband finishes his portion of the application that is sent to him, then I get an email letting me know I would be informed when I was approved or denied. The first time, I never got such email so I called Navient after a while and was told the application was never completed ( even though I had emails proving it ) and I would have to start a new application, but that they would apply a forbearance until it was approved. During my second application, I was requested to provide proof of income, but that if I applied through the IR S Data Retrieval tool, it would automatically pull income for proof. I decided to apply through the IRS Data Retrieval tool to streamline the process. However, I received an email later stating that my application had been denied again since I did not provide proof of income. When I called to discuss this, they said my application was, indeed, expired and I would have to apply YET AGAIN and they would apply an additional forbearance. My third time applying for income based loan repayment I was switching jobs ; I left my previous job in XXXX , started my new one on XXXX XXXX but would not draw a paycheck until the end of XXXX . I applied the third time, immediately calle d Navient and inquired about my proof of income since I would have no paychecks or pay stubs until the end of XXXX . I was informed that I would be able to provide a letter of job offer that had my pay scale included in the letter. I contacted my HR department, received the letter, and submitted it t o Navient and was later informed that my application was denied because a letter of intent did not count as proof of income. Third, I recently received an email that my loan payment amount was about to change and that action was needed as my income driven repayment plan was about to expire. However, I was never approved for an IDR plan and was still required every month to py {$350.00} instead of an amount based on my income. | ||||||
| 01/24/2017 | Yes |
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| When I was in school pursuing my XXXX and XXXX degree I had some federal loans with XXXX XXXX ( now Navient ) and started getting calls from them about taking out Tuition Answer loans to cover expenses. I did not know at the time that they were private loans and did not have the same repayment options as federal. As I was finishing my XXXX my husband and I went through XXXX layoffs and ended up having to file Chapter XXXX bankruptcy. Our attorney told us that the student loans would not accrue interest while we were under bankruptcy protection. That turned out to be false. Payments were made to Navient on these loans through the bankruptcy court. We made every payment to the bankruptcy court on time and were successfully discharged XX/XX/2015. I immediately called Navient to try to make repayment arrangements. When I called them I found that because of interest added while we were in bankruptcy our balance on these loans had gone from {$110000.00} to {$240000.00}. Over {$120000.00} was added in interest! They told me the payment would be {$2100.00} per month. I explained that I could not afford that and they offered to enroll me in what they called their rate reduction program. They said that I would be able to pay the loans down faster since I would n't be paying as much interest and they set me up with a payment that was under {$1000.00} per month. That program expired after a year so I called back and asked if I could continue in that program. They told me I did not qualify and had no other options but to make the full {$2100.00} per month payment or they would begin enforcement action against me. Since then I have been working XXXX full time jobs to try to make these payments and am quickly running out of options. When they told me I could not continue in their rate reduction plan I started keeping track of everything on a spreadsheet which I can send to you. When the rate reduction plan ended XX/XX/XXXX my balance was {$240000.00}. After making the full payment of {$2100.00} my balance actually went up to {$240000.00}. For the following two months after making the full payment my balance was reduced by less than {$300.00}. I called Navient and asked them why my balance was going up even though I was making full payments. They told me that all of the interest I 'saved ' while being in their rate reduction program was put back on my balance. They did not tell me that would happen when they put me on that program. XX/XX/XXXX my balance did decrease by {$1100.00} but XX/XX/XXXX it increased by {$580.00}. No one at Navient can give me an explanation as to why this is happening. We are much worse off financially now than we were before filing bankruptcy solely because of these loans. | ||||||
| 02/01/2021 | Yes |
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| I completed a consolidation in XX/XX/XXXX and Navient has not been able to explain the approximate {$10000.00} increase to my consolidation balance. I, XXXX XXXX, am providing this written explanation for the basis of the dispute concerning the balance changes for consolidation loans 2-08 and 2-09. I will also provide documentation as requested by the Navient representative. I am currently in the home buying process over the next several months and ask that Navient understand and empathize with me concerning the significance of changes to my credit report during this time. I have reached out to Navient representatives to explain the balance changes for consolidation loans 2-08 and 2-09. No one could successfully identify documentation for the change, the reason for the change, or explain the difference. Therefore, the Navient representative submitted an escalated request for my consolidated loan balances to be reviewed, requesting an explanation of the changes. I have reviewed both in boxes in my Navient portal, and the latest documents posted since the approved consolidations are the tax statements ( XX/XX/XXXX ) and the quarterly interest statements ( XX/XX/XXXX ). Previously, Navient has uploaded supporting documentation in my Navient portal concerning any changes to my account balances for any reason. My mortgage loan is currently in the underwriting process, and the lender will pull my credit again before the approval is final. The last report pulled by the lender reflects my consolidation loan balances foXXXX XXXX XXXX {$220000.00} XXXX and XXXX XXXX {$27000.00} XXXX, as they are shown in the approved loan consolidation and repayment plan totaling {$250000.00}. As of XX/XX/XXXX, my loan balance has changed significantly. The increase of {$9500.00} has increased my student loan debt, which might affect my debt to income ratio. It could postpone or stop the mortgage loan approval and closing date altogether. I hope that Navient understands the severity of my current situation and is aware of how critical it is for accurate reporting to my credit and providing documentation to the lender for such relevant changes. I am clueless about the details of the balance increase and became even more confused after speaking to two Navient representatives that were just as puzzled as me. All in all, I have committed a great deal of my time and finances to reach the mortgage goal of buying a home. I have worked consistently with Navient for the past several months to ensure my student loans meet the mortgage lenders ' standards and the department of education. As you can see, my education is essential to me, and finalizing my approval for this current mortgage loan is equally crucial. | ||||||
| 01/04/2018 | Yes |
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| In XXXX XXXX, I incidentally signed a student loan with XXXX XXXX, which later became Navient, for continuing my adult bachelor studies. In XXXX XXXX, while still active with school, Navient started billing me for loan repayments. I 'd updated them on my schooling status, but they insisted there was no record that I was a student, so inevitably they contacted the school for verification, and from thereon there was no further communication. In XXXX XXXX, Navient started billing me again, and I updated them that I was still in school, and they told me I was required to send them a forbearance request for postponing my payments for a couple months. I told them that school did n't end until XXXX XXXX, and they insisted they were in the right to bill me for loan repayment, and gave me the runaround about filing yet another forbearance request. I refused and did not return their calls afterward, considering their behavior harassment. Navient contacted me yet again, in XXXX XXXX, about repaying my loan, even though I was still in school, and I told them I would file harassment for fraud, if they did not stop. There was no further word from them until XXXX XXXX, when they hastened me to start repaying my student loan. I was incidentally unemployment at the time, so I tried filing an unemployment deferment, and they told me I did not 'qualify ' as supposedly I 'd exhausted such benefits, from back in XXXX. Well, I contacted the Federal Dept and the Federal Loans about the matter, and they told me there was no such thing as 'exhausting unemployment ' benefits for deferment. So basically Navient lied to me, and I insisted once again that I wished to file an unemployment deferment, and they refused, once again insisting about the exhaustion excuse. Then they proceeded with the runaround about me submitting deferments and forbearance, to see which one I " might qualify for ''. Well I wasted my time doing that, just to keep them at bay. Their website is disorganized, half the links did not work, or rerouted me to other irrelevant areas, and basically was determined nonfunctional. I did manage to upload one short term deferment and a regular forbearance request, and weeks later Navient claimed they could find no record of these uploads, when I had the receipt copies and the emails to prove they 'd been received. This matter went on for some time, between XXXX XXXX and XXXX XXXX. Navient continued to call and harass me that I was going " default '' on my loan repayment when I was not. And again, they wasted more of my time, running me around with resubmitting forbearance and deferment requests. To this day I have not made a loan payment because of their deceptions and harassment practices. | ||||||
| 08/31/2017 | Yes |
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| I have had issues with Navient over the years and issues with my loans. One of the biggest issues I have had is repeatedly getting misinformation from the loan servicer. In one of the most recent conversations I have had with Navient, I kept asking which bank or loan provider gave me my loan. Navient will tell me that they do n't know and to call the Department of Education. When I call the Department of Education, they keep saying Navient. When I would call Navient back, they would say, " No we are the service provider '' which I have known. After this I would say, " O.K., Since you are the service provider, who are my loans through '' and they never seem to know half the time. At the time of the origination of the loan, the information has not always been on Navient 's site or the NSLDS right away. The school does not tell me either. I feel that this is being done intentionally to keep me in the dark so they can re-sell the loan and add fees. I believe that this is a type of " churning '' of my loans. In other industries, this is illegal. I also feel that there is " detrimental reliance. '' I am given so much misinformation about my loans, it is affecting my interest rates, credit reporting, etc. I am being charged thousands of dollars over what I should be due to bad and misinformation by my service provider Navient. If you pulled up my taped conversations with Navient, you would find this out ( they tape their phone calls ) Another complaint that I have is that I feel that Navient is purposely giving misinformation to collect more fees. One girl kept telling me that on my private loan, I could pay XXXX to " get out of paying '' the loan for three months ( I was having major medical issues at the time. ) What I was not told at the time was that they turn this into Capitalizing Interest which costs about XXXX over the course of the loan or maybe even more. The financial aspect of Navient is very interesting. I feel that they are not disclosing the complete terms and conditions. There have been different occasions where I have told the phone agent not to do something and they will do it anyway and I have to call back and insist on speaking with a supervisor. This goes on and on. I have had so many problems with my student loans is it not even funny. I feel that I will be robbed of my future due to all of the issues with my student loans. I feel that there should have been more information about the loans and complete information so I could be better informed and make better decisions. There is so much pressure from the colleges to take the loans out and " complete '' you degree. I am very frustrated by this and feel that my education is costing me my future and my livelihood. | ||||||
| 03/16/2020 | Yes |
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| I took out a private loan for XXXX school in XX/XX/XXXX with the loan servicer Navient Private Loan Trust. Recently in the last few years, I became XXXX and I currently receive Social Security XXXX. I applied for XXXX XXXX XXXX XXXX discharge with Navient. I was approved with a physicians statement. Three of my FFEL Stafford Subsidized student loans in which I have a co-signer on were transferred to the co-signers responsibility. There were two other loans in my name only. One loan that was in my name in the amount {$7400.00} of was completely discharged. The other loan in my name in the amount of {$3600.00} wasnt completely discharged. The loan they didnt get completely discharge was waived of all the interest in the amount of {$2300.00} on the loan. However, Navient left a principal balance in the amount of {$1200.00} in which they said Im required to pay. I explained that Im on a fixed income and it is not earned income. Social Security is unearned income. Therefore, my income is {$0.00}. XXXX XXXX, in which I have federal loans with understands when I explained my income situation to them. They applied my {$0.00} income information to my account so that they had it on record. Navient will not apply or even consider the fact that my income is technically {$0.00}. When I asked why I am required to pay my loan that had only the principal balance left without any interest to be accumulated and also interest waived, they said, it just is that way without providing concrete evidence. They said my other loan in my name that was discharged completely was a Smart Option loan and that loan does state if a borrower becomes XXXX and is granted a XXXX XXXX XXXX XXXX discharge, the terms and conditions say it would be granted discharge. I also asked Navient where it states in the terms and conditions of the loan I am required to pay only the principal that a borrower is responsible for paying the loan if granted a XXXX XXXX XXXX XXXX discharge. The customer service representative could not come up with a concrete answer nor provide any evidence to explain. If concrete evidence is not provided or available, then why am I responsible to pay the rest of the loan? Also, on my federal loans with Navient I was not allowed as per customer service to remove my co-signer from my three loans that were instead transferred to the co-signer. If I was to request to be responsible solely without my co-signer, I would be in complete standard repayment for those three loans. I learned you can apply for this removal, but where does it say it can not be granted to the sole borrower and then granted XXXX discharge due to their application approval? I am very confused and would like this situation resolved. | ||||||
| 01/20/2017 | Yes |
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| My mom and myself got a Loan for XXXX University for {$2700.00}, it was hard enough to get accepted for that little of a loan because I was XXXX and went off my parents income and they " made too much ''. That was the only loan we applied for. I transferred to XXXX a semester later and paid completely out of pocket. I then went to beauty school and graduated from XXXX XXXX all out of pocket. We did direct withdrawal for my loan and canceled it when the payments should have ended. Well, Navient kept calling me demanding more money so, I asked them.. how much do I owe?? they said {$8000.00}!!! I go online and sure enough it says I have second loan for {$5500.00} for XXXX. So I demanded my promissory note for that loan and Navient could not provide my note for the XXXX loan but did for my XXXX XXXX. I get on federal student aid and again, no promissory note. So i try and dispute it ... after 6 hours of being thrown in circles they send me to the ombudmans group, who sent me to XXXX, who sent me back to ombudmans. I called XXXX 's financial aid and requested my payments with them and they have no evidence of a loan received for that XXXX amount. In fact my parents saved {$50000.00} for me to go to college and we paid out of pocket and before it was due and every school I went to called me into financial aid to tell me to STOP paying SO much and early because it was messing with their system as they wernt expecting {$10000.00} payments in advance.. I have checked my credit reports on all XXXX major credit reports and it shows my payments I was making towards my XXXX loan was dispersed to both loans, without my knowledge and before payments were even due for the fraudulent XXXX loan. So, I have two issues, I have a fraudulent loan I never received for {$5500.00} and I have payments that I have made that were not applied to the correct loan, resulting in high interest fees and phone calls every day demanding I make a payment and that I can go into forbearance and they are calling collections on me! It has been so stressful, I have been disputing this for 2 months now, nearly every day I have cried.. my parents have fought, my family has cried and cried over money we cant come up with because my parents think im lying and took this loan out.. another issue.. I live in Nebraska and the date of this XXXX loan ... I would have been XXXX XXXX XXXX and needed a parents signature as in the state of Nebraska you 're not an adult until 19 years of age. So again, its wrong! I have paid my student loan off and I never took out a second loan, nor did i receive, nor am i paying for it.. also the interest on my original XXXX loan is ridiculous because i made payments EARLY and on time every month! | ||||||
| 02/03/2020 | Yes |
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| I have attempted to set up auto payments with this company and they have cancelled the payments without notifying me. Then when I call to check on the status of my account they tell me that the account is in good standing. A few times I have called to be told that they do not see any concerns with my account at all, only to find out later that that account has actually been sent to the " claims '' department to be forwarded towards default and collections. The representatives hang up on me or drop the call when they say that they are transferring me. I call and am frequently transferred multiple times when there are only 2 departments. I have spoked to 6 representatives in one phone call and received different answers from each of them. When I start to get frustrated, after going around in circles for over 40 minutes, they will disconnect the call. They are disrespectful and do not care about helping me at all. The phone calls that I have now found out have been coming from them, come up as a likely scam call on my caller ID. When I have answered these calls the representative on the phone will not identify themselves as being associated with Navient unless I provide them with my personal information first such as DOB and full legal name. Which I will not do for an individual that I do not know and comes up as a suspicious number. I am tired of dealing with this company. I try to set my account up on auto payment plans but they want to punish me for trying to get a higher education instead of just take my payments. I have also asked to not receive these phone calls during certain times of the day due to my employer having a zero tolerance phone policy. Even when I step outside to take these calls at the risk of losing my job the representative will not work with me. Will not answer my questions, will not confirm who they are associated with, will not advise me of any information. Instead they just demand personal information from me, they can lobby insults at me and sneeringly call me names when I refuse to give them my information until they identify themselves and the company they represent. So often they will just terminate the call. Side note : the questions I am asking do not break HIPPA. I work for a XXXX XXXX company and handle confidential and private information on a daily basis. They are being unreasonable and hiding behind exaggerated legalities to excuse and justify their deplorable behavior. They have also started calling my friends and family in order to get in touch with me. They are mean to my family, they have accused them of lying and will deliberately call at times that they have been asked not to call at due to the risk of my family losing their jobs. | ||||||
| 10/30/2019 | Yes |
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| Navient, as per an email I received in XX/XX/XXXX, was going to be servicing all my student loans which included approving forbearance requests on ALL of my student loan accounts. In XX/XX/XXXX, I requested a 12 month forbearance of my student loan in which the month prior to this, my student loan servicing company Sallie Mae was transformed into Navient. My forbearance was approved and I received an email confirmation in which I have attached with this complaint. All of my student loans were being reported as paid, or paid as agreed up until XX/XX/XXXX when all of a sudden it was reported as being 90 days late while still under forbearance. I received emails that stated my forbearance was coming to an end in XXXX and XXXX which means it was still in affect during XX/XX/XXXX when Navient reported my student account as being 90 days late. Also if my account was late, why didn't the company report it as being 30 days late in XX/XX/XXXX, and then 60 days late in XX/XX/XXXX. There is no justification for this. No account can go from paid as agreed one month and then to a 90 days late status the next month. In XX/XX/XXXX, I requested a 12 month forbearance of my student loan in which the month prior to this, my student loan servicing company Sallie Mae was transformed into Navient. My forbearance was approved and I received an email confirmation in which I have attached with this complaint. All of my student loans were being reported as paid, or paid as agreed up until XX/XX/XXXX when all of a sudden it was reported as being 90 days late while still under forbearance. I received emails that stated my forbearance was coming to an end in XXXX and XXXX which means it was still in affect during XX/XX/XXXX when Navient reported my student account as being 90 days late. Also if my account was late, why didn't the company report it as being 30 days late in XX/XX/XXXX, and then 60 days late in XX/XX/XXXX. There is no justification for this. No account can go from paid as agreed one month and then to a 90 days late status the next month. I have forwarded my XXXX and XXXX credit reports to Navient 's Credit Bureau Management team which show that this is exactly what happened in XX/XX/XXXX. All of my reports show paid as agreed and then all of a sudden in XXXX of XXXX I was 90 days late. Now since Navient has multiple student loans on my credit report, 12 of them show 90 days late on my credit reports from XX/XX/XXXX which have created a huge hardship on my FICO score and lenders will not approve me for any business loans or lines of credit as my credit history looks like I was late 12 times on multiple accounts when in fact it is just one account that shows a 90 days late from Navient. | ||||||
| 04/21/2017 | Yes |
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| This complaint is further evidence tha t Navient : 1. cre ated obstacles to repayment by providing bad information ( account number change without notification 2. processed payments incorrectly and deceptively NOT on our account 3. failed to act when we, the borrower, complained Our daughter had a student loan with Navient. The original loan was with XXXX XXXX , then XXXX , who turned it over to Navient in XXXX . We, the parents, were paying the loan dutifully every month. There were no problems until XXXX of XXXX , when Navient notified us of no payment for XXXX , due XXXX XXXX . We researched and found a payment made and cashed by Navient on XXXX / XXXX / XXXX . We called them, and they said that they had no record of this payment. We were instructed to FAX them the proof from our bank, the XXXX XXXX XXXX , so we did on XXXX XXXX , XXXX . Then on XXXX XXXX , XXXX , we discovered the same phenomenon for the XXXX / XXXX / XXXX payment, and we were assessed a late fee. We called again. Same story from Navient - no record of any payments since XXXX . We asked if they had received our XXXX XXXX FAX, and they had but when the agent viewed it, she said that it was unreadable. First I knew of that. So, I resent. By this time, we were very angry as no agent was displaying any helpful attitude. Then I discovered something : the loan number in Bill Pay at my bank and the loan number on Navient 's paperwork were different. Navient 's began with a XXXX , and Bill Pay began with a XXXX . I explained to the agent, and she said that they never had loan numbers beginning with a XXXX . At this point, I called my bank, XXXX , to ask them for help. By this time, I had spend six ( 6 ) hours in phone calls ( mostly on hold ) with Navient, spoke with managers there and was basically stonewalled by them. They had my money and were asking for more. The agent at XXXX arranged fo r three conference calls, each one for nearly 1 hour to coerce Navient into agreeing that they had the money. Thanks to the XXXX XXXX XXXX , they could track details and confirmation numbers of receipt. Also, when we tracked back on the loan number, Navient 's old paperwork to us changed the loan number in XXXX XXXX but without specific notice as such at that time. So, in Bill Pay for us to Navient, we were always sending to the old loan number beginning with a XXXX and Navient was successfully receiving and debiting our account up until XXXX XXXX . We have now hopefully paid off the loan successfully in total - we only had one more month on the loan. We would never recommend using Navient for anything. We are glad to be rid of this horrible company! | ||||||
| 03/01/2017 | Yes |
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| I have had my loans for now for almost 10 years. yes I have put them in forbearance a few times due to hard times. I have received multiple notices throughout this time to consolidate the loans and it has always benefited me to do so. This time under Navient being my servicer I felt cheated and lied to. I called and asked about benefits in consolidating my loans with Navient and they responded that if I consolidated I would have less payments to make and therefore less interest would accumulate on the accounts ( at the time I had multiple subsidized and multiple unsubsidized loans. After I consolidated I found out I lost an interest rate deduction of .XXXX % from a previous consolidation with the Department of Education ( previous servicer ). After consolidating my interest rate went from XXXX % back up to XXXX % which on {$60000.00} is a big deal -NO WHERE WAS IT WRITTEN THIS WOULD HAPPEN TO ME. Unfortunately for me I decided to go back to school right before the great recession in 2007 so my interest rates are higher than my mortgage and my car loans combined. Why am I paying so much interest for an education! back to Navient. - One time I called in telling them I wanted to pay off my XXXX % loan with a lump sum payment. They were arguing with me on how to apply the payment telling me I needed to use {$2000.00} of my {$10000.00} payment towards some interest on the that did n't even exist and had n't accused yet if I want to pay off that loan in full. I did n't understand it but gave her the {$10000.00} payment and who knows how she applied. All I know is this - I 'VE HAD MY STUDENT LOANS FOR 10 YEARS - I borrowed XXXX and now I owe {$62000.00} - I made a lump sum payment of {$10000.00} - do the math - with the way my loans are accruing interest I will never pay them off, I 'm on the income based plan but with everyone wanting to consolidate me all the time ( XXXX already now ) I keep losing my " time '' under this plan and I keep starting over .... oh right I lost that too when I consolidated and she did n't say anything about that when I called either. My mom does n't understand why I have to report my income every year to the Federal Gov so they can determine my payment. Feels like modern day slavery to me except now it anyone with a student loan that is a slave.. We will never pay off this debt with the way this company is compounding interest upon interest upon interest. something needs to done with the amount of interest I am paying. Why am I paying more interest to the government for my education than I am to private banks for my mortgage or for my car or for anything else I want to borrow money for????? - SOMETHING IS WRONG HERE!! XXXX, XXXX XXXX XXXX XXXX FL XXXX | ||||||
| 11/11/2021 | Yes |
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| On XX/XX/XXXX I was contacted on my personal phone by a person named XXXX XXXX who said he worked with the Department of Education and that they were giving calls to everyone who has student loans and assist them to modify current plans to a better one where my loan will be forgiving at the end. This person was well trained and talked for many minutes regarding different plans and how this will help me reduce my payments and then qualify for a student loan forgiveness by the department of education. We ended up agreeing that a {$39.00} payment a month for 240 months will be my best plan giving my salary in that time and that by the end of 240 months, the rest of my student loan will be forgiving by the Department of Education. He sent me a contract which stated all this and I agreed to it giving my bank information. In that time I never thought people would be so evil to get to all that trouble to scam people with student loans. I mean its student loans for XXXX sakes! I was stressed and just wanted to pay off my student loan among others, so I agreed. My first payment was done of {$790.00} for filing fee to a company working with the Department of Education named XXXX XXXX and then {$39.00} a month after that for 240 months. First payment was done on XX/XX/2020. Second and all other consecutive payments of {$39.00} will de done on XX/XX/2020 and onwards. As he said every month I was paying {$39.00} a month and I was relieved as I was paying my student loan and doing the right thing. On XX/XX/XXXX my new student loan servicer ( NAVIENT ) that was appointed by this person called me to inform me that on XX/XX/XXXX covid 19 National Emergency Forbearance , will finish and I will have to start paying my debt again. I wasn't sure what he was talking about because on my side I was paying my student loan at {$39.00} in autopayment for the next 240 months! I searched my old emails and opened one that said Navient logged in and noticed no payments have been made. I realized I was a victim of fraud and didn't know what to do. This is unacceptable to have companies like this exist and I honestly believe NAVIENT is also to blame as it was their bank of choice which also belongs to the DEPARTMENT OF EDUCATION! They should be trialed by court and pay for being accomplices to this XXXX XXXX and XXXX XXXX. They should all be sued and trialed by court. I can't imagine how many others are victims of this. I have closed my bank account and submitted a claim fraud to fight this act of fraud. Please if you have any way to assist me to regain the money I lost in this fraud. Please let me know. I made one payment of {$790.00} and 23 payments of {$39.00} it all adds up to {$1600.00}. Thank you. | ||||||
| 05/24/2016 | Yes |
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| Navient failed to process my payment timely in XXXX XXXX and again in XXXX XXXX. I consistently pay almost double my payment due and request the overage be applied to the principal. When I cancelled the check XXXX XXXX, XXXX after the payment I sent on XXXX XXXX, XXXX had still not been processed, Navient magically found my check and sent me a letter indicating I did not send the payment to the proper address. The address Navient gave me in the notification letter was the same address I sent my payment to every month including the XXXX XXXX payment. When this same circumstance occurred again in XXXX XXXX, I called Navient customer service and XXXX verified for me there was nothing she could do and no one she or I could contact to address my payment concern. I would just have to pay another {$50.00} to my financial institution to stop yet another payment they failed to process timely and would not acknowledge they even received. XXXX kept assuring me she felt sorry for me but could or would not provide any recourse to solve the issue. She tried to verbally run me around the bush so she would not have to admit I would end up having to pay more interest. It is basic mathematics. Navient is playing games so I have to pay them more money in the long run while they add extra interest for the next payment from principal that would have been paid if the payment was processed timely. It may not seem like much when they do this every so often ; but, when your outstanding loans are significant, this extra adds up. I have followed every protocol and procedure allowed by Navient to be financially responsible and I am being persecuted and punished because Navient is greedy. I made my payments every month even though I did not receive a statement with a payment coupon for XXXX XXXX and XXXX XXXX. I believe Navient was hoping I would not notice and miss my payment incurring late fees and/or extra interest on amounts that would accrue on a higher principal. Navient does not provide a mechanism to pay online and allocate the overage to go to the principal of the loan ( s ) which would provide instant verification the payment was received. The only mechanism currently in place to allocate overage payments to the principal is through paper check with an accompanying letter to signify the borrower 's wishes for the allocation of the overage towards the loan. Navient has consistently disregarded my wishes NOT to advance my payment due date ; also hoping I would not keep paying consistently and reduce the principal on which interest would be figured. Navient consistently engages in immoral and unethical business practices which could be construed as predatory practices meant to harm the consumer. | ||||||
| 09/18/2017 | Yes |
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| This is my XXXX complaint to CFPB on this same issue with Navient. I am the co _signer on my XXXX XXXX loans and have been making payments per Navient since XXXX. These payments and due date have been set by Navient and on automatic debit from my checking account on XXXX of every month. Starting in XXXX of XXXX I received e_ elert informing me my payment is over due I call Navient to inquire and customer service rep was of no assistance telling me it appeared I overpaid and wait till next month payment to see if payment adjusts.In XXXX I get same alert and call again relay same conversation with previous rep and was told my due date was the XXXX and had 10 day grace period I told him Navient picked re-payment date so why the past due alert? He said he would adjust account. XXXX I get no alert of past due payment but in XXXX I get monthly payment notice but notice I am being charged a late fee. I call Navient again and voiced my frustration with matter and ask to speak with supervisor I was turned over to another rep ( not a supervisor ) and again go through process of explaining problem this individual ask for account and I read account # off Navient web site and she tells me this is Not a valid # for a private loan and insists it is my fault for late fees because I was not paying on XXXX but on the XXXX. I inform her that Navient picked date and continues to argue the point of it being me who is at fault I ask her why I had no issues from XXXX to XXXX? Her response " I did n't set up re-payment plan '' I demanded to speak with a supervisor ( XXXX XXXX and again explained my issue to her she came back as says I see the problem ( your payments have been mis-applied ) I ask her why this continues too happen ( XXXX time in 4 years ). She has no answer but would adjust late fees charged and I ask about interest charged how do I know it 's has not been mis-applied her comment was ( go ask my son he signed loan ) I ask for a loan and re-payment break down on XXXX of XXXX loans and was told she would send me original loan. I want the loan break down for loan # XXXX in original amount of {$6400.00} loan has been paid since XXXX/XXXX/XXXX and now is at {$5700.00} after 8 years of payment prove to me all payments have been applied correctly to this account. I have done Everything I can to uphold the contract on re-paying these loans but have spent way to much time and energy ensuring that Navient holds up their end of contract. I have had enough these loans do not end per Navient re-payment plan until XXXX I will not tolerate this type of behavior for another 27 years if CFPB can not help with this matter I will take the legal recourse that I seen appropriate. XXXX XXXX XXXXXXXXXXXX | ||||||
| 09/18/2022 | Yes |
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| I took out a private student loan from Sallie Mae in XXXX. I fell behind on payments upon graduation and due to the company 's unforgiving practices and high interest rates, my account was reported as a " charged off '' account in XX/XX/XXXX. While I made consistent payments as soon as I found employment, I went back to school for three years and could no longer make payments as I had no income. In the meantime, Sallie Mae turned into Navient. Navient then sent my account to various collection agencies for further collection. I am now in the process of negotiating a settlement so that I can resolve this matter. However, it has come to my attention that the collection agencies and/or Navient are engaging in deceptive practices regarding collection of this debt. On XX/XX/XXXX, my co-signer on the original loan received a settlement offer letter from the collection agency XXXX XXXX XXXX XXXX XXXX The letter stated that XXXX XXXX XXXX 's client ( i.e., Navient ) was willing to accept {$1900.00} of the outstanding {$4700.00}, in order to fully settle the debt. The letter also stated that the settlement offer would be open for 30 days from the date of the letter ( it was dated XX/XX/XXXX ). Since receipt of this letter, I had been in touch with both XXXX XXXX XXXX XXXX and Navient regarding resolution of this matter and was prepared to make payment towards this settlement amount in the immediate future. However, on XX/XX/XXXX, my co-signer received another letter from a completely different collection agency called XXXX XXXX XXXX XXXX XXXX, stating again that the full {$4700.00} balance was due. There are several issues with this latest letter : 1 ) This is the first time we have heard of XXXX XXXX XXXX XXXX XXXX and it appears that they are attempting to collect on the same debt twice. 2 ) This letter was sent within the 30-day window we had received from XXXX XXXX XXXX XXXX to accept the settlement. We were about to send a check to XXXX XXXX XXXX XXXX to settle this, but now are receiving conflicting information that the full balance is due to an entirely different agency. The settlement offer was legally binding and to be held open for 30 days, so this new letter is not only contradictory but also violates the terms of that settlement offer letter. In conclusion, I believe that Navient, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are all engaging in unfair and deceptive debt collection practices. They are misrepresenting the total balance due, attempting to collect on the same debt twice and presenting conflicting information regarding legally binding settlement offersputting my cosigner and I in danger of paying more than what is actually owed on the account. | ||||||
| 02/19/2018 | Yes |
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| XXXX XXXX, A.K.A. Navient, purposefully denied receipt of written correspondence that specifically requests for help. In XXXX, I was able to work as a loan underwriter for several months. I learned how interest rates and the number of loan periods can affect the total finance costs of a loan. I realized that forbearance and interest only payment plans do not add help to the overall financial health of the borrower. Normally, when I ask XXXX XXXX, A.K.A. Navient, for help, there are a couple of standard responses that include forbearance & interest only payments. This help would temporarily allow me to survive the next couple of months, however, forbearance & interest only payments actually make my situation much worse as these temporary situations will come to an end and I will be left with a larger economic deficit. The idea is that after a couple of months, my financial situation would magically change and Id be able to afford payments. However, this is highly improbable to occur. The end effect is not help but distress. I currently owe about {$200000.00} in student loan debt and given the magnitude of this long term liability, I will need more than the average increase in income to survive than say someone with {$30000.00} in student loan debt. I realized this during XXXX of XXXX and decided to reach out to XXXX XXXX ( Navient ) and ask for a real, permanent solution to my financial situation. On XX/XX/XXXX, XXXX, I sent a successful fax to XXXX XXXX at XXXX, see FAX pg 1 PDF through FAX pg 5 PDF, which requested interest rate hardship status. I provided a graph of my economic situation and mentioned previous conversations with XXXX XXXX regarding solutions that were offered to me for help. I also asked that XXXX XXXX stop compounding interest. This would stop additional interest accruing on interest. I provided financial information to prove that I had negative capacity to pay my liabilities. After I submitted the fax, I called XXXX XXXX ( Navient ) about week later and they denied receiving the communication. The XXXX XXXX, A.K.A. Navient, representative sounded a bit suspicious, as if she didnt want to admit that such a letter even existed. I later checked online to see if any received documents were uploaded. To my dismay, my fax was not found. The fax cover, see FAX pg 1 PDF, proves that the fax was successfully received with the marker OK. At the time, I was scared of XXXX XXXX ( Navient ) and didnt push the letter. My question to Navient, A.K.A. XXXX XXXX, is as follows : Why did XXXX XXXX ( Navient ) deny receipt of my letter when it was clearly received? What reasons would there be to deny borrowers acknowledgement of their written communications? | ||||||
| 02/29/2016 | Yes |
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| Navient took over multiple student loan accounts of mine. My student loan accounts have changed companies so many times that I can barely keep up with what loan is where. I initially spoke with an agent to figure out what I owed on a monthly basis and to set up automatic payments. I spoke with an agent who set up the payments for me. I went above and beyond asking questions and I specifically said- " will this take care of all of my loans with Navient so I do n't have to set these payments up again '' She confirmed. As a consumer, I do not know how Navient runs its business. Nor is it my responsibility to do so. The burden of responsibility should lay with the company. Being up front and transparent with customers on how the company operates. Without my knowledge, my Federal loans ( which apparently are a completely separate department that the previous agent can not access ) went past due. Navient had on file, the wrong phone number, address and email for the Federal student loans- though I updated this information with the previous agent. I had no idea that my loans went past due since there was no communication to that affect. The only way I found out my loans were past due was by logging in to Navient ( which I rarely do since I have everything on auto-payment ). I logged on to print off balances on my student loans and realized I was past due several months. I immediately made the payment and set up recurring payments. The damage to my credit had already been done. I was reported as over 90 days past due on an account I had believed was in good standing. I called Navient to ask them to remove the past due and to address the issues with their faulty communication practices. They told me that I needed to submit a handwritten note and that their legal department would then " investigate '' to see if Navient did anything wrong. The thing is, the student loan process is already practically criminal with compound interest making it impossible for people to get out of debt. I am willing and able to make payments. I trusted what the agent told me when I first spoke with her. I trusted that when I asked if this took care of " all my student loans with Navient '' that she knew what she was talking about. How is it my responsibility to understand the inner workings of a clearly purposefully confusing process? I would like this information removed from my credit report immediately. I have every intention of paying my loans. The only reason these loans went past due was because I did not know they were due. If Navient had the correct information on file or if the agent I originally spoke with knew what she was talking about- this would not be on my credit report. I | ||||||
| 04/02/2017 | Yes |
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| I 've had a XXXX, now Navient student loan in the amount of {$5000.00} for the past few years. Since XX/XX/XXXX I 've made payments totaling a little bit over {$4000.00} and yet my loan amount has barely changed. According to XXXX I still owe {$4700.00}, even tho I 've made over {$4000.00} in payments. That just does n't make sense. In XX/XX/XXXX, I served as an XXXX XXXX XXXX, as a federal XXXX all of my loans private and federal were suppose to go into deferment. When I called XXXX to ask for public service deferment, they refused and the representative was rude to me on the phone. I explained to them that I was n't working and have a letter from the XXXX, proving my volunteer status and lack of income. The rep said that it did n't matter that I could not be granted forbearance or deferment. Then I called back to see if they could at least lower my payments and they refused that as well. After my volunteer service I started working and made payments when I was able to. In XX/XX/XXXX I experienced some hardship which resulted in my not being able to pay my full monthly payments. I called XXXX/Navient several times to ask for a deferment or forbearance and the representatives denied my request again. Since I was n't able to make full monthly payments, I paid what I could when I could, which was less than the monthly payments, but it was what I could afford. In XX/XX/XXXX, I became unemployed and called XXXX to try and see if they could at least lower my monthly payments or at least grant me forbearance. The representative I spoke with was very rude, she told me that if I could n't pay for my student loans that I should borrow money from people to do so. I told the rep that borrowing money from friends is not an option and how dare she even suggest that, I asked to speak to a manager and that individual was just as rude. I told them that I was unemployed at the time and would be going on a volunteer assignment for school. The representative, told me that there 's nothing that they could do for me and had the guts to tell me that I should be looking for work instead of doing volunteer assignments for school. When I responded and told her that she had no right to talk to me in that manner the representative proceeded to argue with me. They refused to lower my payments or grant me forbearance. Despite the fact that I 've been making payments when possible, Navient has continued to call and harass me and my cosigner. They called my cosigner and threatened to garnish his wages if they do n't receive full payments and call at least 5 to 6 times a day. I 've been making payments, thus there is no reason for them to behave in such a manner, they have caused us a lot of XXXX. | ||||||
| 09/24/2018 | Yes |
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| I have been unemployed for over a year. I was approved last year for an income driven repayment plan. Because I am still unemployed, and my unemployment benefits also ended as of XX/XX/XXXX, I requested a renewal of income-based repayment for the coming year. Although Navient says that my request was approved, 1 ) I was not told the amount until less than a month before the next due date, 2 ) when I called I was told there was nothing that could be done over the phone and that the only way to address the problem was by beginning the 3 month (! ) process all over again, and 3 ) the amount of the payment increased by more than 300 %. The dates and documents involved were the following. Please note that the dates of my document submission are approximate because the Navient website is not currently displaying incoming correspondence for my account. 1 ) I submitted my request for renewal of income-based repayment late XXXX early XX/XX/XXXX. 2 ) I received a request from Navient for further documentation on XX/XX/XXXX. 3 ) I uploaded the further documentation during XX/XX/XXXX. 4 ) I was notified that my renewal had been approved on XX/XX/XXXX. 5 ) I was notified that my monthly payment is now {$260.00} on XX/XX/XXXX. This is one month 's notice of a $ XXXX increase from {$66.00}, and was given nearly two months after the notification of renewal. I believe Navient is acting in bad faith for several reasons. 1 ) The documentation requested by Navient was my most recent Federal tax return, for XXXX. This tax return shows income I made before unemployment began. I was told by customer service when I called that this tax return was the basis for raising my payment amount. It is easily discernible based on all of the other information that I provided that I have been unemployed since the summer of XXXX and that this tax return is not at all representative of my present income in the autumn of XXXX. 2 ) A review of this decision should be done without having my having to go through the same process -- which took 3 months this summer. 3 ) There was no reason for the 2 month delay between approval of the renewal and the disclosure of the new payment amount, which came as a surprise and a shock to me. 4 ) The website does not show uploaded documents. I suspect that Navient is trying to avoid honoring the terms of the Income Based Repayment Plan by shifting people in my position to deferment programs instead by increasing repayment without reason, and with unaccountably late notice. Navient is already facing lawsuits for denying borrowers recourse to these programs designed to help borrowers, and I believe this is an extension of that bad faith activity. | ||||||
| 01/25/2017 | Yes |
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| Here is an idea. Let me know what you think I, XXXX XXXX, feel that I am an aggrieved party in this action. Navient has committed multiple acts against me that I believe have injured me and my student loan situation. I am one of the many Navient clients that has been steered into forbearance to my detriment. I believe I was not given sufficient information by Navient to properly decide if this action was in my best interests. This forbearance has added a substantial amount of interest to my loan, therefore ultimately extending the time required to pay off my loan. This process took place between XXXX and increased my loan interest by {$8000.00}. I am paying this increased interest on top of interest to this present day. I also believe that Navient purposely misled and deceived me by providing me with unclear information concerning the Income Based-repayment plan that they wanted me to sign up for. The information provided was not clear as to the important dates and deadlines that needed to be followed in order to qualify for this specific plan. I was also denied the relevant information as to the specific dates for program renewal and the length of time it would take for Navient to process my application. The application processing timeframes were necessary for me to have, as Navient knew and failed to disclose that while my approval was pending I would potentially lose the opportunity for the extended repayment plan. Furthermore, because of the waiting period to be approved, my loan payment would increase dramatically between 3x-4x per month. It was at this point where my loan would become due, that Navient steered me into forbearance, adding even more interest unto my loan. Navient knew the process, the timeframes and the consequences, but failed to disclose any of this to me in order to allow me to make an informed decision. The representative that serviced me attempted to steer me into forbearance a second time. During the time I was applying for the extended repayment plan, she mentioned that I could not apply for another plan until my income-based repayment plan had ended. Only at that point could I be approved for another plan and that I should wait a month after my plan had ended, enter into forbearance until the beginning of the next calendar year, and then begin that program. I would again continue to pay interest while waiting to get into another program. I was given no information or counsel that said I had any other options. I asked for and did not receive anything in writing concerning my options. She stated that forbearance was the only way to bridge the gap from one program to another. If I had options, I was not made aware of them. XXXX XXXX | ||||||
| 08/06/2023 | Yes |
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| Navient As one of the many affected by the lack of implementation of the Joint Consolidation Act, XXXX, my former spouse and I have been working towards the long term administrative forbearance that has been requested by the Department of Education XXXX My former spouse claimed XXXX XXXX bankruptcy in XXXX, which put the joint account into a bankruptcy forbearance. ( I had no knowledge for months that this had occurred, as I was working towards getting our IDR payment plan recertified ). I was told by Navient that in order to get the discretionary administrative forbearance as the Department of Education had outlined, both my former spouse and I had to be on the line together. As my ex and I are amicable ( to a degree ), I was finally able to get her on the phone with myself and a Navient account specialist on XX/XX/XXXX. On that call we both verbally requested that the bankruptcy forbearance be rescinded. The CSR, who had spoken to a supervisor about this process, said that it would be sent to the next level of bureaucracy to be discussed and that we should have a decision by XX/XX/XXXX, at which time one of us could call back and have the loan put under the discretionary administrative forbearance outlined by the Department of Education. I called on XX/XX/XXXX & spoke with a CSR named XXXX, who indicated that the request for rescinding the bankruptcy forbearance had been denied. No reason was given. After escalating the call to a supervisor, I received the exact same information : The request was denied on XX/XX/XXXX. No further information was available. I continued to make " What if? '' statements to try to find out what mechanism was necessary to make this happen, such as a letter from the bankruptcy attorney or even a letter from the bankruptcy judge citing that the XXXX was to be excluded from the bankruptcy. No information was available. The supervisor finally said that since it was in bankruptcy, the guarantor of the loan may have more information. XXXX at XXXX. As the loan is in my former spouse 's name and I am listed as a co borrower, I can not get access to any information with XXXX. We need to know how to get this bankruptcy forbearance removed from this JOINT loan. If the loan stays in the bankruptcy forbearance, both the former spouse and I will miss out on months, if not years of PSLF counts, as the administrative forbearance will count towards PSLF, whereas the bankruptcy forbearance time will NOT. Both of us have been XXXX XXXX XXXX for 25 years ( I'm on year XXXX ), have never been eligible for any XXXX forgiveness program, PSLF program, etc. due to being in this Joint Spousal Consolidation Loan program, which was abandoned on XX/XX/XXXX. | ||||||
| 01/19/2017 | Yes |
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| After reading the summary of the suit against Navient I just wanted to add my issue with releasing my parents as co-signers from my loans. As stated in the complaint the policy states that you must make a number of on time payments. I have been on autodraft for over a year ( an incentive to reduce my interest rate ) so I have met this requirement but when I called they told me I had to have made 1 year 's worth of on time PRINCIPLE payments and since I had been on the interest only repayment plan I did n't qualify. I could n't find this online anywhere but understood and accepted the explanation. I have since been trying to remember to pay a separate $ XXXX/mth to my loans in order to meet the requirement but I have missed this more than once in the last 4 months. I was planning on just calling again XX/XX/XXXX which is 1 year from when I 'd called and trying again. I do n't know if my situation is evidence of any wrongdoing but I wanted to share since it differed just a little from what the complaint summary outlined. Thank you for fighting for us. Graduating XX/XX/XXXX during the recession was not easy and while I 've worked hard to stay on top of everything it 's harder than ever for my generation to deal with these mountains of debt and still be expected to have lives to the standards of our parents or better. We were raised believing we could do anything or be anything and that hard work and education pays off, but the world is different and all our fundamental beliefs are wrong. My boyfriend is XXXX younger than me, did n't graduate from college and still was able to get a job and progress to buy a house at the age of XXXX. Now he 's XXXX with a home and an expensive car and no student loan debt and has made more than me since we met XX/XX/XXXX. I am XXXX with a degree and while I am able to manage my car loan and student loans I ca n't imagine being able to buy a house or even pay rent ( which is pretty cheap in XXXX compared to the country averages ) and we are n't married and neither of us has any children. I ca n't imagine being in my parent 's situation at this age, they had XXXX kids and a home and my dad has a degree but my mom does n't and how they managed just blows my mind and I 'm so grateful to them for being great examples. I am lucky that my student loan debt has at most been between $ XXXX-XXXX/mth and I am within 2 mths of paying off my Federal Sub loans but I will still be paying Navient for the next 10 years unless something magical happens. My situation is so much easier than most, but I also know how student loan debt can paralyze you and how 9 years after graduating it still is n't paying off for me. Thank you for all you 're doing. | ||||||
| 04/09/2019 | Yes |
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| During the time period of XXXX, at age XXXX, I took out an educational loan from Sallie Mae, which is now Navient. The original amount borrowed was {$16000.00}. I used this money for various educational purposes on my way to earning an XXXX XXXX degree from XXXX XXXX XXXX, a XXXX XXXX degree from the XXXX XXXX XXXX at XXXX, as well as a XXXX XXXX degree from the XXXX XXXX XXXX at XXXX. With my continuing education, my financial aid added up quickly. While I was attending school and in repayment status, Navient made it very difficult to work out a solution to my repayment needs. Early in the process, the customer service department at Navient continued to have me file deferments and forbearances, only to sink myself deeper in debt with no real relief in sight. After years of payments, they allowed me to create a situation where the monthly payments no longer covered the interest and service fees that were being added on monthly. As I graduated college and began working as a teacher, Navient never once guided me toward teacher loan forgiveness plans or public servant aid that was available. They never suggested any plan to where I was on the road to consecutive payment forgiveness or a process to reduce my overall financial aid debt. Due to their negligence and misleading endeavors, the original loan amount of {$16000.00} had ballooned out of control to nearly {$36000.00}. In XX/XX/2016, due to the death of my parents, I inherited a fairly large sum of money. A major goal was to get my finances in order so that I could be debt free. When I called to try to settle my account, no one at Navient would allow me to do so. After getting forwarded to different managers and specialists, over a number of frustrating weeks, I was sent to a group that even told me settling for {$25000.00} would not get my debt resolved. Again, it was never suggested or advised by anyone that I should enter a monthly plan so that the debts could be forgiven due to consecutive years of payments or because of my employment as an educator. Finally, they called me back with a settlement offer of {$31000.00} ( roughly 85 % of my overall debt ). They told me that this had to be paid in one lump sum and was non-negotiable. The way the interest was accumulating monthly, Navient representatives made this seem like it was the best course of action. So, reluctantly, I paid them {$31000.00} because they advised that this was the only way to keep interest from accruing. XXXX I reiterate, there was no mentioning of the various plans of assistance available to me. I am hoping to have this amount forgiven toward the remainder of my loans or paid back to me by Navient for their misguided & corrupt practices. | ||||||
| 10/31/2023 | Yes |
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| Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Navient you furnished an alleged transaction on my XXXX that you identified as late. 15 U.S. Code 1681a - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not rely to me stating that you are furnishing accurate information because we both know your not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : { List Late Payment account/s } XXXX XXXX XXXX Without Recourse UCC 1-308 | ||||||
| 11/10/2023 | Yes |
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| The federal pause on student loans was set to expire at the end of XX/XX/XXXX with payments resuming on XX/XX/XXXX. With this deadline looming, I went to StudentAid.gov and completed my application for the new SAVE program, which would allow me to redetermine my income-based repayment program and be given a new payment plan for my student loans. I provided all of the required documents and requested information per the application in the middle of XXXX. My one student loan company, XXXX, was very helpful and communicative throughout the process. My other student loan company, Navient, was not helpful, not communicative, and to this day, hence my complaint with you, has been harassing me with phone calls up to 7 times a day for a payment. They have yet to process my application for the SAVE program, they have not given me a timeline for the additional documentation that they asked for and I provided, and they began billing me for the monthly payment of almost {$700.00} on XX/XX/XXXX, despite the fact that payments were not due to begin until XX/XX/XXXX. All of my loans are federal loans. None of them are private loans. Throughout the federal student loan pause, Navient made me complete a redetermination of my loans every year. Even though according to Student Aid.gov, I was not required to complete that redetermination until sometime in XXXX. Prior to my graduate loans being sold to XXXX, they were with XXXX XXXX, and I did not have to complete a redetermination of my loans with them during the federal student loan pause. Navient continues to skirt the law, harass me with phone calls, demand payment on a loan that has historically not had a payment due on it in over 3 years ( I have documentation of no payment being due ), and will drag out the redetermination process for up to 6 months. I am now at a loss of what to do to get Navient to process my SAVE application. I do not know why this particular student loan company is so hard to work with, especially if they want to help people pay back their student loans. I am not one of the lucky ones who received student loan forgiveness and I likely never will, but it should not be this difficult to work with a company to redetermine my loans on a year-to-year basis. I should also not be getting multiple phone calls each day demanding a payment totaling over {$2000.00} when they illegally started requesting payments two months earlier than the government allowed student loan companies to begin billing us. Please help me get Navient to process my SAVE application and complete my IBR payment plan request. Better yet, get them shut down for deceptive practices and all borrowers who have loans with Navient Loans forgiven. | ||||||
| 11/07/2018 | Yes |
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| I have Parent Plus loans for my daughter, who is still attending school at XXXX. After she enrolled for summer semester in XXXX, Navient didn't put the Parent Plus accounts in deferred status, even though her own loans with Navient went to deferment. I have a payment plan set up for my own loans, which I was paying the specific amount as agreed to in the loans and had been sending a note delegating how the accounts were to be paid with each automatic-electronic payment. After many calls and forwarding enrollment info since mid-XXXX, Navient would not defer the Parent Plus loans, even though I sent proof that the student was enrolled. The school was also contacted with this information to send to Navient, and showed the student 's own loans were in deferment with Navient. During the next 4 months, Navient automatically applied the payments I made to my separate loans due for a specific amount to the interest due on the Plus loans, even though I sent memos delegating payment, putting my loans in " late payment '' status. They had actually been doing this for about a year, even when the Parent Plus loans were in deferment and nothing was due, that's why I had been sending the memos delegating payment. After 7 months of having to call customer service and have my payments redirected to the loans that were actually due as agreed on through Navient, no one could give me a reason why money sent was not going to loans in repayment and instead were applied to INTEREST of loans not due. It took me nearly a year to be able to set up an income-based repayment for specific those amounts due and since XXXX, I have instead been specifically going on-line to Navient, com every month to make custom payments as to ensure my payment was going to the loan as specifically intended and set-up by Navient. If you set up automatic payments from your bank on-line with Navient directly, money is pulled from your account and applied at Navient 's discretion, at any time. I fought with Navient for about 4 months about the Parent Plus Loans not being in deferment, but nothing was done by Navient and now they will not remove this from my credit, which will now keep me from being able to consolidate these loans after the next tax season. I have made formal complaints to Navient directly over the past 4 years about their ongoing deception. I have made complaints to credit agencies, FSA and even contacted the XXXX about Navient 's unethical practices with no help. I have had NO problems credit or payment-wise with any other company except this one. I make payments in full up-front when offered, almost automatically- electronically through my bank and on time-every time. My credit proves that. | ||||||
| 09/17/2015 | Yes |
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| This concerns a private student loan that I obtained during my first year of XXXX school in XX/XX/XXXX at XXXX University XXXX XXXX XXXX, XXXX, Oregon. As a condition of obtaining the loan, I was required to obtain a guarantor. My now ex-wife 's grandmother agreed to be the guarantor. The loan was for about {$4000.00} to cover tuition and living expenses. The loan was issued by XXXX XXXX and has been continuously serviced by XXXX XXXX, now Navient. Since the loan has been in repayment, my guarantor has been making {$75.00} payments every month directly to XXXX XXXX, which is significantly higher than the minimum monthly payment. I have reimbursed her for each of those payments. She has done this to ensure that, despite any fluctuation in my ability to pay, the loan will be paid and will not adversely effect her credit. A few years ago, I calculated that this accelerated repayment schedule would pay off the loan in full in about 18 months. That was now at least two years ago. In addition to the $ 75 monthly payments, I have also been paying the minimum payment as an auto-draft from my checking account. This minimum payment is around {$6.00}. After remembering my calculations last month, I checked online to see why this loan was not yet paid off, and I discovered that in XXXX XXXX ( around the time that XXXX XXXX changed to Navient ), the {$75.00} payments were no longer being credited to this loan, even though my guarantor was mailing checks in every month, using payment coupons provided by XXXX XXXX to the address provided on the coupons. There were about {$1300.00} in payments that were missing, which was more than enough to cover the outstanding balance. I called Navient on XXXX XXXX, XXXX. The agent was able to tell that the {$75.00} payments from my guarantor were being made, but that the payments were being applied to my Federal Spousal Consolidation Loan. My guarantor has no connection with that loan. I instructed them to correctly apply the payments, and they assured me that it would be done within 7-10 business days. It has now been nearly a month since that conversation, and my loan still shows an outstanding balance of {$300.00}. 6 of the {$75.00} payments that were made between XXXX XXXX and XXXX XXXX are still not showing as having been made on this loan. This amounts to {$450.00} in mis-applied payments, which is more than enough to pay off this loan. In the meantime, I have continued to make principal and interest payments ( of about {$6.00} ), when the loan should have been paid in full months ago. I have emailed Navient about the issue, but they have not yet gotten back to me. The last time I called them, it took well over an hour. | ||||||
| 06/11/2017 | Yes |
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| I n XX/XX/XXXX - XX/XX/XXXX , I was enrolled in XXXX XXXX XXXX XXXX XXXX onli ne. While attending, I had to apply for a Tuition Answer privat e loan with a co-signer through XXXX XXXX . As I can recall, I had applied for XXXX private loan instead of XXXX . Currently, I 'm aware that you have filed a lawsuit against Navient. I re cently noticed this information and needed to send you my information regarding my account and any issues wi th Navient. I 've performed an investigation on my account regarding all my loans - Federal and Private. Currently , all of my subsidized and unsubsidized federal loans have been consolidated and sent to XXXX . However, I have XXXX private loans dated back from XX/XX/XXXX . Here are the listed private loans in question : Disbursement XX/XX/XXXX - T uition Answer - {$7300.00}, Interest 5.50 %, Total Balance : {$9900.00} ( This loan is listed on my account detail ). Interest Rate Reduction -- Status : Disqualified Disbursement XX/XX/XXXX - Tuitio n Answer - {$4100.00}, Interest 5.50 %, Total balance : {$4800.00} ( This loan is listed on my account detail ). Interest Rate Reduction -- Status : Disqualified Disbursemen t XX/XX/XXXX - Signature Student - {$6000.00}, Interest 9.125 %, Total Balance : {$8600.00} ( This loan is not listed on my account detail ). Direct Repay -- Status : Elig ible. Navient has b een contacted for them to send me the signed promissory notes for each of these private loans. The representative stated that I would receive them by the end of XX/XX/XXXX , no later than the first week of XX/XX/XXXX . In addition, while paying on my loans I 've contacte d Navient in XX/XX/XXXX , XX/XX/XXXX or XX/XX/XXXX regarding removal of my co-signer. They stated that I had to make 12 on-time consecuti ve monthly payments and a credit check, in order to remove the co-signer. I have been XXXX month late because my paycheck did not fall on that date which caused my account to be delinquent . Navient h as never told me about a grace period after the due date which is the XX/XX/XXXX of every month. As for income-based repayment, I could not get that for my private loans it was only offered for federal loans. I have a copy of my account detail breakdown for you to see what is going on with my account. I 'm trying to get an understanding as to why the interest is more on one account than the other and they are close in age. In addition, why is Navient charging me for loans I have n't applied for, and why Navient does not offer inco me-based repayment for private loans? Please check on any illegal deferment or forbearances that were placed on my account. | ||||||
| 07/09/2022 | Yes |
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| Short Version : Sallie Mae ( Navient ) gave me a predatory subprime loans in XXXX to attend these for-profit schools ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which had low graduation rates and horrible job placement -- they knew I would be unable to repay the loans. My loan amounts are artificially high due to capitalized interest accrued by Navient repeatedly suggesting Forbearance and capitalizing interest rather than having me enroll in Income Based Repayments. Because of this I've never been able to make a meaningful payment on my principal. Extra Info : I've been attempting to pay my loans since XXXX. I believe I've made payments totaling ~ $ XXXX between my private and federal loans, but I have not made a dent and Navient continues to worsen the situation while claiming to offer 'aid ' via forbearance, only recently switching to income based repayment, but still charging me out of pocket fees each time I needed to reapply roughly every 3 - 6 months. I had struggled to complete the degree I started in XXXX XXXX in XXXX in XXXX, but the school told me none of my credits transferred -- despite being the same company/school. I had to start over, and eventually had to drop out after taking half classes ( 6hrs of class time with 32 hrs of expected course work per week ) at nearly {$700.00} dollars per credit hour and working retail at $ XXXX for 40hrs/week for 3 additional years. As I began paying my loans I had no degree to help my attempt to get into my field of study so I spent many years working unpaid internships and contracts well below the market value for my job making it often impossible to pay my loan payments ), my work in the XXXX XXXX was project based and each time a job completed ( or a studio closed ), I was forced to put my loans in forebearance, at which point Navient capitalized all interest. Worse, during times of unemployment Navient representatives on more than one occasion threatened to garnish the wages of my financially insecure parents who cosigned my loans if I didn't find money to pay. Saying that if I was getting unemployment then I could afford to make payment on my loans. My total student loans were XXXX per month. My rent was $ XXXX, my unemployment was $ XXXX. Representatives also asked the status of my savings account -- and when I told them that I lived paycheck-to-paycheck, they expressed doubt and told me I should ask my cosigners ( parents ) for money. My Private Loans : XXXX Signature Student Original Principal : {$19000.00} Unpaid Principal : {$43000.00} Interest Rate : 11.750 % XXXX Signature Student Original Principal : {$10000.00} Unpaid Principal : $ {$11000.00} Interest Rate : 12.750 % | ||||||
| 12/06/2017 | Yes |
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Web | Servicemember |
| I borrowed this money from XXXX to XXXX to attend the University XXXX XXXX, along with several other loans as part of a loan package. Apparently, I also borrowed money from this lender from XXXX through XXXX while attending XXXX XXXX University. It was my belief this loan money was all through XXXX XXXX and a federally-backed funding program. Upon graduating from XXXX XXXX in XXXX, XXXX, I started pursuing consolidation options. I consolidated the majority of my loans and now pay those loans through XXXX, which has been a very reasonable lending group. However, there is one " bundle '' of loans labeled the XXXX XXXX XXXX XXXX that was not eligible for the consolidation, as it was a Private XXXX XXXX loan. This loan now totals {$45000.00} as the total amount owed. At some point, Navient became the servicer of this loan. I started paying Navient regularly in XXXX, XXXX, which is when I obtained full-time employment after XXXX XXXX Upon moving to XXXX XXXX in XXXX, XXXX ( my husband was in the XXXX at the time and assigned a duty station in XXXX XXXX ), I began trying to negotiate with Navient for a lower payment plan, as I did not have a job in XXXX XXXX. Navient 's customer service reps were hostile, rude, and offered no solutions. One rep went so far as to suggest that I borrow money from my parents. After multiple discussions around trying to see how to arrange a payment plan to no avail, I stopped paying Navient as I had no income coming in. Navient reps started calling me 8-10 times a day, including at XXXX XXXX and all through the weekend. I told them to stop contacting me excessively. This was interpreted as a " Cease Contact '' request and I have not received ANY correspondence from them since that request. No emails ( other than required tax forms ) and no letters. On this date, XXXX XXXX, XXXX, I have {$11000.00} past due and have a negative report on my credit, as Navient as filed this as a " Collection/Charge Off '' on my credit report. The experience of trying to work with them and bring some order to my student debt has been exhausting. As it stands, my credit is destroyed and I have no idea how to approach this group to enter into a reasonable plan. Additionally, interest accrues at an exorbitant rate, so I will likely live with this debt until the day I die. I have several other lenders I work with ( XXXX, NJ XXXX, XXXX, and XXXX XXXX XXXX ) and while I take issue with some of those lenders as well, they have all been amenable to working with me on a reasonable payment plan. Navient remains the sole outlier. I have no idea how Navient became the servicer of a XXXX XXXX loan but their practices have been unethical, to say the least. | ||||||
| 04/03/2017 | Yes |
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| I originally had XXXX XXXX as my student loan provider, but they were bought out by Navient. I never had issues with XXXX XXXX, but Navient has been one headache after another ... Ever since I used my savings account to pay a couple of my loans off, my account has been incredibly inconsistent. Even though I owed less, my monthly payment went up and I was bumped out of my income based repayment plan. I called numerous times to try to fix the situation since I was on automatic debit and I was not informed that my payments went up until they took more out of my account automatically. After speaking with someone, every month the issue was " resolved '', but it was never fixed. Someone finally had told me they would pause my payment for one month so I could get my finances back on track and that the next month my payments would automatically be coming out of my account again. This did n't happen, and I was actually taken OUT of automatic debit, so my interest rates lost the discount. I was so fed up with everything, I just used that motivation to pay the most I could each month to get my loans down. After doing this for about a year, I started realizing that the amount of interest they were taking out of my payments also was n't adding up. For example, I could pay {$200.00} and out of that payment, {$40.00} would go to interest, but if I made another payment 3 days later, they still put a large portion of it to go to interest. About a month ago, I realized that the interest rates they were using on my accounts were also incorrect. My interest rates are fixed, but they were charging me a variable interest rate. After dreading calling them, I finally did, and they had an " investigator '' look into my account. Turns out they " fixed '' my account, but all they did was finagle the numbers to make it look like a fixed amount was coming out of my payment for interest every month, but that was n't the case! I have no access now to the real numbers beforehand, and I still owe the same amount! It is absolutely ridiculous! For some payments when I payed {$20.00} in interest for example, the numbers when they " fixed '' my account make it look like only {$9.00} was taken out of my payment in interest. I just know something is seriously wrong and has been for awhile with my account and it 's very frustrating! The more people I talk to at Navient, the more inconsistent information and answers I get. I just want to feel like I am being treated fairly with my loans and that my hardworking money and my payments are being allocated correctly. I would like to get a copy of my payments before they " fixed '' the interest to compare the numbers from before to the numbers now. | ||||||
| 11/06/2017 | Yes |
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| XXXX XXXX, XXXX my loans were consolidated incorrectly. I applied in XXXX to consolidate specific loans, leaving out the XXXX loans I had because with my profession I was eligible for deferment and cancellation of those loans, so it made no sense to consolidate them. This consolidation was processed incorrectly by Navient, they ended up consolidating all of my federal loans together, including my perkins loans which I noticed as soon as I got the paperwork for the consolidation. I immediately contacted them and told them the consolidation was incorrect and they made an error. They accused me of having submitted XXXX application with all of my loans on it despite my documentation of the typed applications I submitted, with the additional form for loans NOT to consolidate, to make it crystal clear what I wanted done and which loans to leave out XXXX XXXX XXXX. Finally after I submitted my first complaint to CFPB I was sent an email by Navient XXXX/XXXX/XXXX saying they had approved my request to unconsolidate the XXXX loans. This once again gained no ground for another 3 months. XXXX XXXX XXXX and Navient were both telling me it was the others fault and that both were waiting for a return of funds from the other company. Meanwhile, my loans, including my XXXX loans, are accruing interest fraudulently. Due to my expectation to apply for deferment and eventual cancellation of my XXXX loans, I would never pay interest or principal payments on those loans ( reference XXXX Request for Cancellation of Deferment prior to Cancellation through XXXX XXXX XXXX XXXX. Most recent update was XXXX XXXX, XXXX, I received an email from XXXX XXXX XXXX that a consolidation statement was available for viewing. Upon logging in I see a XXXX $ loan balance, plus XXXX $ of interest already accrued. Navient, who 's consolidated loan should now be {$2000.00} less if this was correctly processed, is still showing the same loan balance and accruing interest. After contacting Navient they are confused as to why XXXX is showing a loan balance if they have not received any money, for which they were unable to locate during our 20minute conversation and communication with a supervisor. So outside of the YEAR of interest my XXXX XXXX were accruing after they were fraudulently consolidated in XXXX XXXX, I am now accruing interest through University XXXX XXXX on {$2000.00} as well as whatever the {$2000.00} plus compounded interest and still are for the loan as part of the large consolidated loan at Navient. This should never have been consolidated, never accrued interest, and never have been exchanged back to UAS without communication to me, the affected and responsible financial party. | ||||||
| 02/27/2020 | Yes |
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| I attended and graduated from the school in XX/XX/XXXX. I have nothing against the intructors or the corriculum, just against the false pay after graduation and the high interest loans that were so easy to get and required. My personal problem was that i was an addict and did not touch these loans for almost a decade. Since getting into programs and getting back into society for 2 years i have made it my primary goal to pay debt and get credit and savings to the point of being able to afford to buy a home for my XXXX year old boy and i to call home. After contacting my creditor Naviant i was put on a year long probation period by making monthly payments of low cost but impact on principal or interest to my federal loans ( roughly {$16000.00} from original $ XXXX-mostly private ). 1 year later i am thinking that my getting back on track on my federal but Naviant calls and says that they accidently forwarded my payment to my private loans. What?? I thought Naviant was only working my federal. so apparently the fixed the problem and i was back on track. Now I was told that I had to start chipping away at my Private loans which was another 3rd party ( XXXX XXXX XXXX ). Long story short, they Like Naviant said they were very glad i was clean and they were excited to help me get back on feet with my credit. They even offered a settlement for my {$190000.00} debt ( originally XXXX ) for {$20000.00}, which i probably would of done if I could of found a buyer for my XXXX organs. Lucky me, I didn't. My interaction with XXXX XXXX XXXX started this year in early XX/XX/XXXX and lucky for me this was when I also started school after 15 years of leaving college for this culinary school. This school ( XXXX XXXX XXXX XXXX ) i found out more about fixing credit. This is a non profit school where XXXX ( counselor ) took interest in my case since she new that XXXX XXXX XXXX had been closed in multiple states by Attorney Generals. Also the school had closed most of its schools around the world for only giving fraudulent loans and overselling the cost of school as well as making it almost impossible for repayment while working in the trade we were in debt for. After searching, we found out that the school had currently settled 2 years prior and agreed to repay loans and erase negative impact to credit bureaus. I currently am still paying federal since it is now on my credit report and i still plan on buying a home. But I do not plan on doing the same mistake with my private loans even with all the calls they do since there are no signs of them in my credit report. Well I hope i can get help, or at least direction of where I should go for help. Thank you, Recovery | ||||||
| 01/16/2018 | Yes |
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| I work as a XXXX XXXX and my contracts face sudden ends due to layoffs. Twice - between XX/XX/XXXX and XX/XX/XXXX - I was unemployed and called Navient regarding the law that the government had passed in XX/XX/XXXXregarding student loan repayments available based on income. This was important to me because, in the past, forbearance or deferment had always been my only option. When I called in XX/XX/XXXX, the customer service rep in the XXXX said that repayment option was " not allowed '', despite the fact that I was not in default or any other situation that would have warranted that rule. He said Navient " does n't have that option available. '' He said my only options were forbearance or deferment and I ultimately had to choose deferment, because he said it was " cheaper. '' This is despite the fact that Navient had sent me generic " do not reply '' automated e-mails listing the other repayment options available, as mandated by the new law. The customer service rep also did not send me the promised deferment documentation to my e-mail address so I could fill them out, although he said that he did. I have all the e-mails from them, dating back to XX/XX/XXXX in my XXXX XXXX account. By the time I got back in touch with them asking where the promised forms were, they had charged late fees on the account and additional interest accrued. They would not reverse the late fees but said I was supposed to go online to fill out the forms. I felt they were very deceptive. I had a shouting match with them because I have come to find they are always deceptive. Navient has basically kept me in a loop on the repayment of this loan with continual forbearance and deferment for years. When people ask me why I still have a student loan, I tell them its because a ) I have no option but deferment or forbearance because Navient says I have no other options. b ) I have no options to refinance the loan with any other company because our government does not allow that. c ) The interest keeps accruing due to my work as an on and off XXXX XXXX and the loan continues to accrue interest. I am a loop in XXXX with this loan that, considering my age and my mistake of returning back to school at a later age, will never be paid off until I am XXXX. To Navient, I am probably considered a good cash cow since my employment situation as a XXXX is on/off employment. For me, I can never make a dent in the balance because the payments are too high when I am unemployed and I have to defer, then I go back to work and the payments are higher, and it happens over and over again. Over the years, XXXX XXXX and then Navient has never given me any other option except deferment or forbearance. | ||||||
| 07/06/2017 | Yes |
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| I attended XXXX XXXX from XX/XX/XXXX, graduating in XX/XX/XXXX. I attended a private university, which of course came with a higher tuition rate. Although I did my best to limit loans taken out for living expenses, by the time I finished my XXXX 's Degree I left with $ XXXX- {$95000.00} in school loan debt. I stepped into a field that entry level even with a XXXX 's degree, salary was initially {$35000.00} a year. Fairly immediately, I switched my loan to income based as there was no possibility of paying the standard monthly amount. I have been fortunate enough to continue growth with salary, and therefore increase in payments over the past 9 years. I have diligently paid on time each month, only taking deferment from loan for a short period while I went back to school for an additional field. Through this 9 year period, my loan servicing company has been passed around at least a half dozen times, eventually splitting multiple loan service organizations. I never felt the need to consolidate my loans knowing that the likelihood of my loan payments going down was limited. However last year I was frustrated with organizing 3 different payments to 3 different companies that held my loans and decided it would be helpful to combine. I consolidated my loans to Navient, which mind you one large amount was already being serviced through them after all the passing around without my say. As expected my monthly payment has stayed about the same. I was absolutely devastated when I had learned after already agreement to consolidation that my 20 year loan forgiveness ( based on Pay as You Earn ) was starting over. My 8 years of consistent, monthly, and substantial payments based on my pay and city of residence was wiped away. Navient was anything but helpful or empathetic to my overwhelm, and passed me to student government loans, who then said I had to talk to Navient. I have been keeping up with m nearly {$600.00} payment each month, and am finally gathering my energy to attempt to voice my experience, and attempt to correct what I think was a neglectful support from the loan organizations. Even more devastating, looking at my loan balance today, my balance is {$140000.00}. {$45000.00} more than the day I graduated 8 years ago! I estimate that over these 108ish months of payments, I have paid back $ 43-48,000 which has not only appeared to go no where in the balance, but even further, has been exacerbated by this same amount. This is unacceptable based on how hard I have worked to keep up with payments and stay in good standing with my choices. I feel pushed around and unimportant in this system, and no doubt this is impacting me heavily with no signs of relief. | ||||||
| 12/13/2016 | Yes |
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| This is more of dispute than a complaint, but still is a matter pertaining to the amount paid and the current outstanding balance noted for my student loans. Navient, my current student loan servicer, does not have a dispute submission channel available and I believe this matter is beyond the scope of a normal escalation. I graduated with my XXXX XXXX XXXX in XXXX XXXX and have made all of my payments since graduation prior to the Due Date noted on each statement beginning with my first student loan payment on XXXX/XXXX/XXXX. My student loans have not always been held by the same servicing company. My first payments were made directly to the Department of Education, then the loans were serviced by XXXX XXXX, and most recently the loans have transferred to a different company called Navient. Navient 's customer portal is the first loan servicing company that has allowed me to see the entire transaction history for my account. Prior to this full history display I was only given statements itemizing what was due for the next immediate Due Date and was not provided with any information as to how payments were applied to principal and interest throughout the repayment process. The first payments I made were as follows : XXXX/XXXX/XXXX for {$500.00}, XXXX/XXXX/XXXX for {$800.00}, XXXX/XXXX/XXXX for {$800.00}, XXXX/XXXX/XXXX for {$350.00}, XXXX/XXXX/XXXX for {$1000.00}, XXXX/XXXX/XXXX for {$200.00}, and XXXX/XXXX/XXXX for {$1000.00}. These initial payments all total {$4600.00}. None of these payments are reflected in the entire history of my account despite all of these payments were made to the Department of Education directly. The lack of inclusion of these payments would then impact subsequent interest accrual as well as the remaining balance still due and loan maturity date/payoff date. I can provide bank statements as well as email confirmations from the respective loan servicing companies to account for the missing payments. I would like my account to be reviewed and corrected to show the proper balance as well as reflect ALL payments made to date. Through today ( XXXX/XXXX/XXXX ) I have paid {$10000.00} and the balance on my current outstanding balance is incorrectly noted on the Navient portal as {$10000.00}. In addition to this large payment discrepancy there are XXXX ( XXXX ) transactions that were all noted in the account history between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as " adjustments/fees. '' I was not notified of these fees and as my loan repayment history and credit report would indicate, I have never missed a payment to-date and would also like these fee assessments reviewed. If they were applied in error, I 'd like them removed as well. | ||||||
| 01/15/2018 | Yes |
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| In XX/XX/XXXX, I was hired at the XXXX XXXX XXXX and shortly after, I noticed student loan payments being taken out of my pay. This is my error, of which I am deeply embarrassed, but I did not know it was a garnishment of wages, rather than a monthly direct payment. The balance according to their records was {$23000.00}. I contacted the loan servicer, XXXX in XX/XX/XXXX, requesting a lower payment and this is when I discovered that the LAST 5 YEARS of payments were made under a garnishment. The conversation was if I made the payments for the next 3 months on time I could get a smaller payment ( from nearly {$400.00} to less than {$200.00} ). I was also told in that conversation that if I had a total of 120 payments on the books on time, I could probably get the rest forgiven. My loan was transferred to Navient, effective XX/XX/XXXX, where I have faithfully made my payments. Between XX/XX/XXXX and now, I had read on the website about loan forgiveness that you had to start one year before your 10th year to begin the process. In XX/XX/XXXX, I went online, downloaded the form to begin the forgiveness process and mailed the form in. I received a response that my loan was not in the database. I called the phone number given, and a rep named XXXX ( # XXXX ) confirmed that my loan was not in the database and transferred me over to the Public Service Forgiveness Department, where I spoke to a rep named XXXX ( # XXXX ). XXXX confirmed that my loan was not located there and she explained that my loan was not a Direct Loan and that if I requested it at that time, I could begin the process of another 120 payments for forgiveness. I told XXXX that I made payments monthly to Navient and those loans were labelled " consolidated '', and asked what it meant. XXXX replied that was another kind of consolidation and did not qualify as the loan forgiveness qualification process. I am XXXX years old. I have faithfully paid on these loans for 10 years and then some, beginning back in XX/XX/XXXX. It is mind-boggling that I would pay two 120-payment segments on original loans, totalling {$6500.00}. Mind you, I knew nothing about the loan forgiveness part of student loans until XXXX told me about them. At no time did XXXX say that I had to do anything besides make the 120 monthly payments. Similarly, I do not recall reading anything about putting in a request to change my loan to a " Direct Loan '' in order to qualify, else I would have done it ; all of this time I believed I was in compliance with achieving forgiveness status. If you count the payments I made beginning in XX/XX/XXXX, I have paid on this {$6500.00}. Surely, you have recouped what was owed and more by now. | ||||||
| 01/21/2017 | Yes |
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| i am really concerned i went to college for XXXX semesters on the XXXX semester i was informed by the school my loans didnt come through so i would have to pay out of pocket so i quit. 2 years later XXXX contacts me and tells me i owe them money which i knew but also said i owed for the XXXX semester when i asked for what they send they sent a check to me now i did not receive that check and i went to the school to ask and they said that it was sent to a XXXX party hence they could not give me the name i had to contact XXXX i did and they said it went to the school. well for the last 8 years they XXXX have taken my taxes in the amounts of XXXX. XXXX, and etc now my loans were for all together XXXX it is now XXXX i had gotton a letter from navent which is i guess sallie mae and they said i still owe XXXX when i went on the website it sais i missed a XXXX payments they have never sent me a thing on how much a monthly payment would be. i took action with the department of education in XXXX to help rehabilitate my loans and get this scquared away so that they dont take my taxes in XXXX that is what i was told if i paid this act company they wouldnt take my taxes and the new company would send me a booklet of payments i have not received anything but this letter today. i have been on hold for 2 hours and 8 minutes i finally got to someone who send they couldnt help me and directed me to someone else that could help it is now XXXX oclock and ive been on hold from them since XXXX and now they have hung up i called back to only receive another recording saying it will take another 30 min. all i want to know is what is going on with my account and why they have no record of the irs taking my money and sending it to them i have documents saying it was paid. now on nevents site it sais i owed XXXX in XXXX but i never got anything saying this was the company i was supposed to send money too. i have talked to numerous people about this company and everyone has said the same thing customer service workers there will not answer your questions and some people have paid money to this company to find out when they check their status that it was not put into their account. so where is all my money going to if its not being paid i just want to pay my debt but every place that has asked for money for XXXX and i pay it has not went to XXXX its always XXXX parties they are scamming us and it needs to stop. so please i need them XXXX or navent or someone to call me this is very frustrating not to mention they want to garnish wages but yet i dont know if this money is actually goimg to XXXX because i stilll owe all this money in which i didnt even get to finish college for | ||||||
| 06/08/2018 | Yes |
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| I can not recall dates and amounts. However, Sally Mae and then Navient historically have only offered me forbearance and not income based repayment options to the point that I no longer have forbearance left in my agreement. This has set up a situation where in when I have financial difficulties Navient threatens my cosigner and tries to have me pay an amount I am never able to afford. I recently have dealt with a five month stint of being unemployed. Navient would only accept payments of close to {$350.00} a month out of my {$1800.00} a month unemployment payment, which I could not afford if I wanted to have a place to live or eat ( I was not eligible for SNAP ). In this time they insisted on pushing to get information about my cosigner ( my mother ) they are not legally entitled to in order to try and force me or my mother into making payments we can not. My mother is on a retirement XXXX social security fixed income. Further more, when I signed both initial loan agreements I was told that if I made 2 years of uninterrupted payments I would be able to remove my cosigner. When I met that obligation and contacted Navient ( Sally Mae, at the time ) the denied that was ever part of the agreement and dismissed my request. I am now at a point with these loans that I now owe more than I did upon my graduation from graduate school due to the interest accrued from the multiple forbearances I was manipulated into taking because of national economy issues related unemployment. At the time of filing this complaint I am XXXX years old. I graduated XXXX years ago. I have at least 25 years to pay on a loan that is now structured with interest in a way that I can not practically pay down the accruing interest and pay the debt off. What was sold to me as a loan solution has become a burden I will likely carry to my grave because the condition of the loans are as such that I will likely never make enough money annually to pay it off and the plausibility of me saving money because of the interference of this loan is impractical. On top of all of this, the stress from dealing with this loan in particular, has aggravated my diagnosed XXXX XXXX XXXX to the point that I am now on the maximum safe dosage of XXXX ( XXXX ) and the diagnosed XXXX XXXX XXXX is wirsenuing every day. Even as I am typing this I am fighting to prevent an anxiety attack because I am actively thinking about the Navient loans and the ruin they have brought on my life. Naveint ( formerly Sally Mae ) has quite literally ruined my day to day life, made the prospect of late life destitution inevitable, and has caused and is causing me significan health effecting psychological issues. | ||||||
| 03/26/2017 | Yes |
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| I am XXXX, with a retroactive date to XX/XX/XXXX. I found out I had student loans with Navient, they refused to help me file an identity theft issue. I spoke with them multiple times, between XXXX and XXXX, and told them I was XXXX and could n't work, and was waiting for a decision from Social Security. I told them I had Medicaid and got XXXX. They told me to put my loans in deferment and forbearance status, and that no interest would accrue. They told me that once I was approved for XXXX, they would discharge the loans. I was approved for XXXX in XX/XX/XXXX. When I sent them the award letter, they said that they could n't discharge it because my review would be in XXXX, even though they said I was XXXX since XXXX and that entails a review 5 years from the date of award, they said I did n't qualify for XXXX discharge because I had a review scheduled in 2 years, not 5 or 7. They then told me to defer and forbear my loans again, and that no interest would accrue. I told them I made XXXX per month. Last month, Navient sent a letter saying a payment was due for {$9.00}. I paid it. Then they told me next months payment would be {$150.00}. I spoke to the Department of Education, because I had loans due to them to, and they told me I needed to apply for income based repayment. I applied through student loans.gov to do income based repayment for navient and department of education. They approved me with a monthly payment of {$0.00} over the next 25 years. I logged in to Navient and it was approved for {$0.00} over 25 years, with annual renewal forms. However, I noticed interest has accrued on my loans since XXXX. Navient never told me I could apply for income based repayment, and the department of education did not tell me that either until I started crying on the phone because I could n't afford payments and the interest kept accruing. Basically I qualified for income based repayment since XX/XX/XXXX when I applied for social security benefits. And nobody told me. I could have entered an IBR then and had three years worth of {$0.00} payments completed and be 3 years closer to having my loans forgiven/paid off! And I also would n't have to pay back as much money, because instead of interest building up for three years, I would have made the $ XXXX monthly payments. My credit score was destroyed because of this, and I had to go to bankruptcy because my credit score was so bad. I cant get a mortgage or anything because my credit score was severly damaged by navient and the department of education. they should have told me about income based repayment years ago when I became XXXX and told them I was awaiting a social security XXXX decision and had NO INCOME. | ||||||
| 10/12/2021 | Yes |
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| In XXXX I was diagnosed with a total and XXXX XXXX. In XXXX I finally began receiving social security benefits for my XXXX. In XXXX I then started the process of filing for XXXX XXXX XXXX XXXX through Navient the services of my loans. At first I was denied even access to the outsourced XXXX service providers information XXXX after finally receiving XXXX information I was advised of the incorrect instructions on how to file when my review date was scheduled for 5 years. Then I was denied the mailed copy of the XXXX report and appropriate help in filing out the report. Finally in XX/XX/XXXX my total and permanent XXXX was approved through XXXX. At which time I was advised that it would take 30 days for them to discharge my student loans and if it were to take longer I would receive in a writing a written notice from XXXX 30 days came and went after calling in 60 days to see what the hold up was I still was advised I just needed to wait longer. Its been 180 days now. In XXXX I was the victim of identity theft. This has been going on for many years as many companies including XXXX has allowed my personal private information to be accessed by online hackers I began examining my credit report. I have disputed the fraudulent activities of Navient increasing my loan amounts and fraudulently claiming that my loans were in default. On XX/XX/XXXX I called in to Navient and XXXX to see what I needed to do. After hours of phone calls with Navient were the operators intermittently hung up on me, made fun of me lied to me, and generally harassing me purposely trying to trigger my XXXX I was told I would need to contact the guarantor of my loan myself before they would allow my two loans the claimed are in default over to XXXX for discharge. I have disputed the accounts with the three credit bureaus both XX/XX/XXXX and XXXX XX/XX/XXXXprompt and decisive action on the account not completely discharging them but not allowing these fraudulent purposeful errors to impact my credit anymore however XXXX has refused. I spoke an agent at XXXX and was told I could not submit more documentation to prove my case I was told I could not pull another credit report due to there being an open dispute and I would see the notes on the dispute and I was told by XXXX they would not remove any of the student loan accounts holding, they are reporting four of my discharged student loans as being active and in default with serious delinquencies, they advised they would not take action on the misreported accounts even if I provide documentation until Navient sends over confirmation the loans have been discharged. I need help. I am searching for attorneys at this moment. Please help. | ||||||
| 08/30/2016 | Yes |
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| ~ I have conducted myself with integrity and met my student loan obligations since completing my program in 2008. I am seeking that my case be considered by the department of education under exceptional circumstances. The Loan discharge form limits of 120 days provide only the most narrow of windows to correct this situation and exclude a great number of former students including myself from corrective actions. List of exceptional circumstances : 1. Misrepresentation of accreditation. 2. The schools discontinuation of academic programs. 3. Current litigation 's by the state that are affecting operational viability of the school. 4. Finding by federal agency & recent litigation resulted in prohibition of federal funds for school. I feel that the school manipulated the circumstances of my enrollment and conducted themselves in a manner that is not consistent with the integrity expected of institutions that provide higher education. As I have acted in an upstanding manner and met my obligations to date, I would like to consider having the remaining federal loans that I am obligated to repay discharged or forgiven. I think that if the government is taking actions against this school for deceptive practices it should also be open to mitigating the financial burdens of those that were subject to those practices and have met every obligation thus far. I have several complaints specifically regarding my enrollment at XXXX XXXX XXXX. ~ I was told while discussing enrollment with the recruiter that XXXX XXXX was an accredited institution and that I would be able to pursue my masters at XXXX after graduation. - This proved to be false. XXXX XXXX for XXXX XXXX and XXXX determined that XXXX " is not in compliance and is unlikely to become in compliance with [ XXXX ] accreditation criteria. ~ I was later told that the accreditation process was ongoing and that XXXX XXXX would be fully licensed by the state and accredited in the near future.- This also proved to be false. ~ The credits I earned and took out Federal and Private loans for are unable to be transferred to federally compliant institutions like XXXX or XXXX. ~ Until student loans are fully repaid, I am not able to pursue federal funds for education at a compliant institution like XXXX or XXXX. ~ The location where I attended has been closed and is no longer in operation. XXXX XXXX XXXX XXXX XXXX, FL. XXXX ~ XXXX XXXX XXXX is currently involved in several litigation 's, some of which are banning new students from enrolling and ultimately will result in the school being closed. Once the school closes I will be obligated with student loans for a degree from a fraudulent institution. | ||||||
| 12/21/2019 | Yes |
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| In XXXX my mother XXXX and I had spoken many times to Navient regarding all 5 of my private student loans and how we want the payments applied. After many attempts on the phone and multiple emails, we wanted Navient to apply our payments correctly, and in addition, we wanted to put the extra payments towards the principal. After all these attempts, they finally implemented payment posting as we requested. Please know that this took many hours both on the phone and in emails, as well as constantly monitoring and tracking all 5 private loans on the Navient website. I recently noticed that Navient has been sending me emails requesting " Overpayment Directions ''. My mother called in to Navient on XX/XX/XXXX at XXXX PST and spoke to XXXX, ID # XXXX to better understand the letter and our next steps. My mother explained to XXXX that back in XXXX we gave instructions to Navient during many phone calls and outlined in emails on how to apply payments. She explained to XXXX that we make payments based on loan number. In other words, I have 5 loans, and make 5 payments. I pay extra money on every loan, every month. All 5 loans should have all extra money paid applied to the principal. My mother then explained to XXXX that this letter does not provide an option to " put the extra payment to the principal '' so we was unsure how to respond. XXXX said this is a standard letter and is system generated. XXXX informed my mother that her system notes already have XXXX set up to place the " extra payment to the principal ''. XXXX said " I know this is confusing '', and then she began to read about my payments being an accrual or something of that nature. What she was saying did not appear to have anything to do with the nature of my call so my mother told her to not read from a script. XXXX then said, yes, we already have XXXX XXXX instructions. Navient makes these phone calls so difficult, and it is so frustrating that they talk about things that don't even appear to make sense with the issue we are talking about. Is she trying to intentionally confuse us further?? XXXX and my mother walked through a payment that I recently made and she confirmed that the extra money being sent is going to the principal. So, now I'm really unclear why this letter is being generated, other than to try and confuse me. XXXX provided no viable reason as to why we are receiving this letter since they already have instructions on what to do with extra money I pay. I have no faith in Navient and any information they provide us. I also have no faith in how they apply my payments. Only one loan number is being input for this complaint, but please note that I have 5 loans. | ||||||
| 09/13/2017 | Yes |
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| I have been making on time payments on my student loans for well over twenty years. Within the last two years I began making inquiries regarding student loan forgiveness for public servants and teachers ( PSLF program ) as I anticipate retirement. I made inquiries with the DOE through my congressman ( XXXX XXXX ). I learned that my loans were " too old '' and under the wrong umbrella because they were taken out as XXXX XXXX loans ( which are also federally funded loans ). Discouraged at this, I began to ask myself questions that perhaps I should have been asking a very long time ago ... that being : Why is my account balance still so high? Why does the principal seem to stay so high? I 've been paying on time for so long, why do I still have ten more years of payments to make? Here is where my problem begins with my loan servicer, Navient. In XX/XX/XXXX I requested copies of the documents that were signed when I consolodated four student loans ( XXXX subsidized and unsubsidized as well as {$14000.00} dating back to 'XX/XX/XXXX-'XX/XX/XXXX ). I received the requested documents on XX/XX/XXXX. As I began to look over the numbers I felt certain things did n't add up. The signed Federal Consolidation Application and Proissory Note reflected a total consolidated amount of {$31000.00} on a form signed by me on XX/XX/XXXX. As I began to consider how long I 've been paying on my loan ( over 20 years ) I began to take a closer look at my account as it stands at this time and what my payment history has been over the years. Therefore, I called Navient and made several inquiries. One of which was an explanation as to how my loan balance could remain so high after so many years of on time payments? I was told in a phone conversation by the Navient representative that I was making " interest only '' payments for a period of six years and my principal was not payed down during that time. I asked the rep to send me a copy of the document indicating " interest only '' payments with my authorizing signature. On XX/XX/XXXX I received a document showing I selected the " Grad Choice ( SM ) Account '' and checked the box indicating " Two years of reduced payments '' and makes no mention of " Interest Only ''. This document was signed by me XX/XX/XXXX. So at a minimum, by XX/XX/XXXX my loan payments would have reverted back to a normal payment schedule. I feel this was a major mishandleing of my account by Navient that has cost me a lot of money. As of XX/XX/XXXX my account with Navient is as follows : Balance remaining : {$27000.00} Total principal payed : {$9700.00} Total interest payed : {$21000.00} I believe I have payed beyond what is reasonable in interest. | ||||||
| 01/20/2017 | Yes |
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| I have had issues with Navient for years and should have filed a complaint earlier. I am writing this complaint now in hopes that more complaints will aid with the lawsuit against them. I have {$260000.00} in federal student loans and have had continuous issues with delays in processing paperwork, poor communication, differing answers between different Navient representatives, and false information. This is only a handful of the problems I have had with them. 1. When XXXX XXXX switched to Navient and my first renewal period came up for my repayment plan, I was advised to use a plan that would cost somewhere around {$800.00} per month, which is what I paid for the first year. When the next renewal period came up, I again spoke with a representative who recommended to stay with the current plan. I submitted the application by mail in XX/XX/XXXX and by XX/XX/XXXX had not been approved. I called again and the representative told me that no application had been received. I submitted a second application and in XX/XX/XXXX called to check on the status. I was again told that no application had been received, but that I should actually sign up for a REPAYE. While working on a third application, I called again and the representative told me that two applications were already on file - one that posted in XX/XX/XXXX and one in XX/XX/XXXX. I submitted the third application for the REPAYE plan and after about a month was finally switched to the new plan and my payments dropped to about {$300.00}. 2. At one point I was told that I could not change the schedule on my automatic debit payments. Somehow I was paying a month in advance on part of my loans and wanted to have all of my loans on the same payment schedule. I was told that I would not be able to ever use the same bank account for a payment again if switched the schedule and the only way around it would be to open a new bank account. 3. This past XX/XX/XXXX, I submitted an application for renewal of my REPAYE plan. I called at the end of XX/XX/XXXX and was told that the application was still being processed. It is now XX/XX/XXXX and I still have not received confirmation of renewal. 4. When I made the transition to the REPAYE plan initially, I was told I would have to have one month of standardized plan payments, but that I could pay any amount between {$5.00} and the full amount ( which was something like {$2000.00} ). I asked if there was any advantage to paying the full amount vs {$5.00} and they said no and recommended to pay just {$5.00}. That is what I paid, and I still do n't know if that was the best move from my perspective, but I can see now that it is beneficial from their end. | ||||||
| 02/26/2017 | Yes |
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| I am very sick and have had a difficult time making my payments. Wen I did try to enroll in an income based repayment plan, they gave me wrong information and forced me to catch up on my payments in order to get into a repayment program. The woman I talked to said Navient will not allow entrance into the program when the loans are in default. So i scraped up the money literally while she was on the phone getting family assistance, around {$650.00}, and caught up my payments. She then did a review of my finances and told me my monthly payments were around {$350.00}. I explained that we could never maintain that amount because I am not working and my treatment is expensive. She said there was nothing she could do. At my persistence she spoke with her supervisor who agreed with the representative. She stated that they could do a review of my cosigners to see if that could lower my payments. I wanted to do this. She said I had a month to have them call in and to not let my loan default, otherwise I would still be denied for income based repayment. After two weeks, my cosigners had called in- so I called Navient back to discuss my options. The man I spoke with said that because my loan WAS N'T in default, I could not be placed in an income based program. I almost lost my mind. I told him what the representative before him had said. He said she gave false information and that I had to call back once the loan defaulted. So some of the {$650.00} I scraped together could have been used for my medical treatment, but instead was given to Navient. I am also one of the people they insisted on putting into forbearance instead of a payment plan- now I am out of forbearance when I need it most. They have also given me false information about when programs I am in have ended. So I thought I was in a program for a year, but it ran out without my knowledge after a few months- thus causing the first situation I described. I have had nothing but problems with Navient for 9 years. I have tons of stories, been given wrong information a dozen times, paid money to even put my loans into forbearance because that was cheaper than the payment, and they absolutely set up people to fail. I admit, I should have educated myself better before taking out private loans, but at the time, they were eligible for fixed interest consolidation, so I was n't very worried. Now I am sick, on long term XXXX from my job and filing for Social Security XXXX, and I have NO IDEA, what to do with these loan payments. We absolutely can not afford them and neither can my cosigners. One of which is my mother and she is helping me pay for my treatment! I have no idea what to do anymore. | ||||||
| 04/18/2016 | Yes |
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| In XXXX XXXX, I applied for Income-Based Repayment plan with monthly payments of {$0.00} from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, I received an email stating that a new education loan document was available online. It was approval notice from XXXX XXXX for my IBR plan. I kept receiving monthly notices about my payments with amount due of {$0.00} and due date. All of a sudden, on XXXX XXXX, XXXX, I received an email no longer from XXXX XXXX, but from Navient stating that my amount due was {$2900.00} with due date XXXX/XXXX/XXXX. I called Navient asking for an explanation. Customer rep told me that most likely the information was n't correctly transmitted from XXXX XXXX to Navient when Navient took over servicing my loan. The rep asked me to submit another application with Navient online instead of via fax like I did with my original application for XXXX XXXX. I also explained that I had my original approval notice from XXXX XXXX. The rep reassured me that the new approval notice would retroactively cover the original period with {$0.00} amount due and no late payments would be reported on my credit reports. To date, my XXXX report is still showing incorrect payment history. I have contacted Navient and forwarded all my original documentation. Several representatives reviewed my documents and agreed that although they could not locate my XXXX XXXX original documents, the loan is showing as always {$0.00} amount due and therefore no late payments should be reporting. On XXXX/XXXX/XXXX, I received a notice from Navient that they had reviewed my documentation and the late payments are accurate. When I contacted Navient again on the same day, another rep told me I should have forwarded my original documentation which I did. On XXXX/XXXX/XXXX, I received a call from XXXX XXXX, who was rude I told me that Navient does n't have any documents showing that my IBR was approved in XXXX and the late payments are accurate. The level of incompetence of Navient and its employees and representatives is without precedence. I have yet to get 2 Navient reps who will provide me with the same information. And the individual representatives admitted that lots of information was lost or mishandled when Navient took over servicing loans for XXXX XXXX in XXXX. If the late payments were truly accurate on this account and I had never made a single payment towards the balance, there would be a passed due balance showing, but there is none. Fortunately, I have kept all my documentation from XXXX XXXX and furnished it to Navient, but Navient will go to any lengths to admit and correct its mistakes. A sorry excuse for a national student loan servicer! | ||||||
| 11/06/2021 | Yes |
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| I had a call earlier today FRI XX/XX/XXXX with a very helpful Navient agent. I was made aware today that payments to federal loans serviced by Navient not owned by The Department of Education were accruing daily interest XX/XX/XXXX - present. I thought a federal loan was a federal loan. Navient is not honoring the federal 0 % APR but are rather acting daily interest. I paused payment XXXX. Further, if a borrower elects to have Covid accommodations they would have required to be renewed every 30 days and that interest is capitalized and added back to the principal every time it is renewed. This is required every 30 days. When I found out and inquired about a refund of all monies paid since XX/XX/XXXX - XX/XX/XXXX I told I was entitled to it but processing a refund will put my account in some state of failure to repay and reported to a credit agency. I insist i would like to request a full refund of any payments made on federal XXXX subsidized and unsubsidized FFELP loans since XX/XX/XXXX. The amount comes to roughly {$2300.00} in payments. One notable lump sum was {$800.00} and roughly {$500.00} was applied to interest and I was never overdue. Ever. A refund of capitalized interest charges for payments pauses XX/XX/XXXX - XX/XX/XXXX would amount to {$1200.00} capitalized on XX/XX/XXXX and {$100.00} capitalized on XX/XX/XXXX. In no way did I expect that I had a federal loan that was not being in zero percent APR. In the middle of a pandemic I did not know that I would be penalized and have {$1300.00} ADDED to the principal of my loan for pauses relating to the coronavirus. All US press said federal loans were at zero percent. Literally I paid {$1300.00} in capitalized interest before resuming payments for the PRIVILEGE of choosing to begin repaying loans thinking I was adding monies straight to principal while federal loans were at 0 %. In all I have been scammed out of {$3300.00} - {$3500.00} under the guise of being a PARTNER with The Department of Education servicing a federal loan. When I tried to call back Friday XX/XX/XXXX the call center was closed. Previous emails closed the ticket and encourage me to call but the calls are circular, threatening, attack my intelligence and are demeaning. The agents state with dubious intonation that not all federal loans are owned by ED, yet, the only demarcations on paperwork is loan type ( subsidized or unsubsidized ) and repayment type. I strongly suspect my in school deferments also capitalized interest. Very ruthless organization. I had {$110000.00} in student loans and the only ones that are not paid off in 19 years were the ones serviced by Sallie Mae then Navient. This is not a coincidence. | ||||||
| 09/02/2019 | Yes |
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| Starting in the summer of XXXX, I started repaying Sallie Mae. At the time, I was making {$1200.00} per month and Sallie Mae asked for {$800.00} per month. I paid it, but I called and tried to ask ask for lower more feasible amount. They threatened and tried to intimidate me by saying that they can make things worse for me and would never help me. I knew then that Sallie Mae was unscrupulous and feckless. A year later, I began XXXX XXXX and my loans were deferred. I left that educational experience two years later and contacted Sallie Mae and they said no payments were do. For some reason, they did not contact me for another two years. By then a mass amount of money was accrued. My {$90000.00} became {$150000.00}. In XXXX, my battles with Sallie Mae which is now Navient became a constant in my life. Every 6 months to 12 months, they would change the payment rate or increase the interest rate. I would call them on these issues and they would say " Its at our discretion '' " We can change the amount anytime we want '' " We will take your house and other belongings '' " You should borrow the money '' It was disgusting. I asked for my promissory note or contract with Sallie Mae and Navient would not send it for 4-5 years. When I finally received it I realized that they had my father listed as a cosigner. Now I made sure several times I did not have a cosigner. In fact, the company said my father was ineligible to be a cosigner. Navient sent me falsified, vague documents and can not keep up their several lies. Recently, Navient has increased my payments to {$1300.00} per month. I am not working and I am full time student. Even if I had a job, I would not pay that insane amount of money per month. I tried to have my father released as cosigner, but they refuse. When I meet all the criteria to have my cosigners released. My father has XXXX XXXX and can no longer work. My mother has four XXXX XXXX and can no longer work. However, they are so quick to say " I don't care '' " Thats your problem ''. When in fact it should have never been a problem. I never signed on with cosigners. I do not want to pay them anymore. I can not trust them to apply necessary payments. I can not trust them not come up with some large monthly amount that will beggar me more. They have said racist, elitist, and all around cruel statements to me when I needed assistance or when I could prove they were wrong. Navient is a feckless, lying company who does not care about the consumer. They want to destroy people 's futures or at best hold them back. They come up with copious amounts on whey they can not assist or treat the consumer fairly. Accounts : XXXX XXXX XXXX XXXX | ||||||
| 02/12/2020 | Yes |
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| I have a Federal student loan with Navient dba XXXX, and I have been paying them. There was a time that I fell behind, however, XXXX began to accept my monthly payments again. On XX/XX/2020 I began to receive phone calls and voice messages from someone named XXXX XXXX ( the spelling may not be accurate ) who claims that she represents Pioneer Recovery Services and she is looking to discuss a debt owed. First, I am making monthly payments to the loan servicer and I do not feel comfortable with paying an entity that I have never received any written or electronic communication from while I am currently paying the monthly fee to XXXX. Secondly, I explained this the representative from Pioneer Recovery and she ( this company ) have continued to harass me and those that I know and/or are familiar with. I advised this representative to contact Navient and/or XXXX, as they are accepting my monthly payments. I asked that she, and her company, no longer contact me or anyone that is associated with me. I also requested that she and her company refrain from calling my employer as debt collection calls are not allowed and are grounds for termination. These requests have not been honored ; Ms. XXXX has continued to contact my employer and they have also continued to leave voice messages. My employer has requested that she, and her company, no longer contact them as debt collection calls are not allowed at all for any employee. Unfortunately, the phone calls and voice messages from Ms. XXXX and Pioneer have persisted. Ms. XXXX and her company have ignored the adamant requests made, not only by my employer, but by my personal acquaintances which they have located via social media and reached out to via phone. This representative and company have asked that my employer provide them with personal information and details regarding me -- -this is illegal on several fronts. It is also illegal to inform an employer about an employees ' personal economic issues. I am filing this complaint to alert your organization about the tactics of XXXX XXXX, a representative of Pioneer Recovery, and Pioneer Recovery as a whole, and how my personal data and information have been compromised and shared with others who were not entitled to this information. Please let me know what additional details may be needed in order to cease the harassing phone calls and voice messages that I continue to receive. I would also like to know how best to proceed with filing an official complaint against XXXX XXXX and Pioneer Recovery as they have shared personal, confidential, and sensitive information about me and to third parties that were not privy to this information. Thank you. | ||||||
| 03/08/2018 | Yes |
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| This complaint stems from the original CFPB Complaint # XXXX. The original complaint was prematurely closed after Navient responded. As of XX/XX/XXXX my cosigner and I of a private student loan taken out around XX/XX/XXXX, settled a defaulted student loan. I made sure that both I and my cosigner received an email of the settlement agreement and were told by Navient 's agent ACT ( collection agency ) as of XX/XX/XXXX, the account was listed as settled in full and closed meaning it was sent back to Navient to update on both of our credit reports among other things. However, Navient still has the account status listed as a charge-off. Additionally, on Navient 's student portal through my account overview, it is listed as behind in payment. It has been more than 45 days and Navient refuses to uphold the terms of our settlement agreement. ( See attachment : Updated Navient Settlement Agreement ). A settlement agreement was made by Navient 's agent with " actual authority, '' and it has to be honored. I am still being adversely affected credit wise while Navient has accepted payment in consideration for settling this entire private loan. Moreover, under the original CFPB complaint # listed above, you will find that Navient concedes to receiving this payment in its response but continues to state that it will remain on our credit reports until paid-off, in what world is that a settlement? I responded by questioning this statement because the language in our settlement agreement and our intent was to settle the account in full, not payment in full, meaning " One, Single, Final Payment '' to be done with. According to Navient 's standard, settlement agreements are just a payment arrangement. Wherein the American justice system a court would read within the four corners of this agreement and find express language that no longer holds me or my cosigner accountable monetary wise for this private loan. Nevertheless, to continue to report the status of the loan as a charge-off, and behind in payment would be '' inaccurate '' and a violation of the Fair Credit Reporting Act which carries {$1000.00} penalty per occurrence. Further, I am alleging that Navient entered the agreement with " bad faith '' as it had no intent on holding up its end of the agreement instead it thought it could deceive a student into making a payment and continuing collecting the full balance. Fortunately, I received the settlement agreement via email before the account was sent back to Navient as " Settled in Full. '' I have attached all of the documentation as well as a recorded call that confirms that this account was sent to Navient as " settled in full '' and closed. | ||||||
| 07/24/2015 | Yes |
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| Navient has taken unauthorized debits from my checking account XXXX during the month of XXXX, 2015. They took unauthorized debits once on or about XXXX XXXX, 2015 for {$110.00}, and most recently on XXXX XXXX, 2015 for {$390.00}. On or about XXXX XXXX, 2015, I discovered that Navient had automatically debited my XXXX checking account for {$110.00} for the student loan ending in XXXX. I had not authorized this transaction or set it up. My father makes an automatic payment for the loan ending in XXXX, and had given Navient HIS account information for the automatic payment. I had set up automatic payments for about {$390.00} for the rest of my private loans, and my payment was not scheduled to come out until XXXX XXXX. I called Navient to demand that my {$110.00} be credited back to my XXXX account, and that they take the payment from my father 's account instead. Navient incorrectly stated that I had enrolled all of my loans into auto-payment on XXXX XXXX in the amount of {$500.00}, and that they only had my XXXX information for the payments. That was false. I had only set up the {$390.00} payment recently, and my father set up the {$110.00} payment with his bank information. Ultimately, Navient agreed to do a direct refund to my XXXX checking account for the {$110.00}. They also agreed to cancel all auto-payments. My father was supposed to call back and set up his auto-payment for {$110.00} at a later date in XXXX, and I was going to call back and set up my auto-payment for the {$390.00} at a later date in XXXX. I was supposed to have my refund of {$110.00} by XXXX XXXX at the latest. My father called Navient back between XXXX XXXX and XXXX XXXX to re-establish his auto-payment for {$110.00}. His next payment is due XXXX XXXX, 2015. I had not called back to re-establish my auto-payment for {$390.00} as of XXXX XXXX, 2015. On XXXX XXXX, 2015, I logged into my XXXX checking account again to check my balance. I was alarmed to see that Navient had again taken an unauthorized automatic payment from my checking account! I had not called back to re-establish my auto-payment, but Navient had debited {$390.00} from my checking account. It was taken in XXXX unauthorized transactions ( {$120.00} ; {$100.00} ; {$71.00} ; {$93.00} ). This is especially egregious that Navient took these unauthorized payments despite agreeing on XXXX XXXX, 2015 that it would cancel all auto-payments and to wait until we called back to re-establish them. I am going to call Navient now to demand a direct refund. My funds are rather limited at this time, and I am unable to allow Navient to invade my checking account and debit funds at will without my authorization. | ||||||
| 08/08/2019 | Yes |
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| Hello, -- I am very upset with Navient not honoring what was stated in a notification letter to me dated XX/XX/XXXX. -- The letter stated : " XXXX, your loans listed below are now successfully enrolled in our Auto Pay program. The payment amount of {$0.00} will be automatically extracted from your designated bank account on the same day of each month. Your first withdrawal will be XX/XX/XXXX. Loan Information LOAN DATE ORIGINAL LOAN AMOUNT OUTSTANDING PRINCIPAL INTEREST RATE LOAN PROGRAM XX/XX/XXXX {$33000.00} {$31000.00} XXXX XXXX XX/XX/XXXX {$33000.00} {$38000.00} XXXX XXXX XX/XX/XXXX {$33000.00} {$36000.00} XXXX XXXX XX/XX/XXXX {$33000.00} {$35000.00} XXXX XXXX '' -- Since I received this confirmation in a letter from Navient, I believed that my loans would be at those interest rates stated in the letter. For some reason, only my 1st loan 's interest rate matched with what was stated in the letter, and the other 3 loans did not get enrolled into Autopay with new interest rate as the letter stated. -- I have been compounding interest on my other 3 loans at incorrect interest rates from XX/XX/XXXX until now. They have been compounding at 5.84 %, 5.31 %, 6 %., instead of what was stated in Navient 's confirmation letter. -- Even though I received confirmation of Autopay enrollment for ALL my loans in XX/XX/XXXX, they weren't aren't all enrolled into Autopay until XX/XX/XXXX because I had to submit the request again on XX/XX/XXXX. -- I want Navient to correct the amount of interest I have accrued from XX/XX/XXXX until now to reflect the interest rates that should have been implemented as per that confirmation letter. I should not be held responsible to pay for a mistake in the system that was on Navient 's part. -- I first emailed Navient to ask about the discrepancy and the response I received was only stating the current status of my loans and interest rate - which I was well aware of. There was no explanation as to why I needed to re-submit autopay enrollment request for the other 3 loans when I already did back in XX/XX/XXXX and received confirmation that they were all enrolled with new reduced interest rates. -- I called and spoke to Navient customer service representative XXXX XX/XX/XXXX XXXX and he said he could not figure out why only 1 of my loans were enrolled into Autopay when I had received confirmation for all 4. He could not find any notices of cancellation or dis-enrollment, but he assured me that my loans are all enrolled in Autopay at this moment. When I asked if there was any way to retroactively correct my loan interest rates from XX/XX/XXXX until now, he said there was nothing that could be done. | ||||||
| 01/21/2017 | Yes |
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| I have XXXX different student loans, XXXX of them were transferred over to Navient at some point. They began contacting me via automated phone calls informing me to call some number and plug my social security number. That smells like some scam right off the bat. When researching the internet all I find is what a dishonest organization this is. But then I had to contact them and find out who they were and that is how I found out that my loans were now under Navient. Now the real issues begin to show up. This agency is very tough to get information from, and the information changes every time you talk with someone new. ( very similar to XXXX XXXX and their scam ). I finally was able to get access to my statements. I have been in Forbearance for quite some time, upon review of of those statements, i see that Navient has repeatedly charged " late fees '' every few months. These are not small late fees, but rather in the hundreds of dollars every 3 months. I contacted Navient why and how they could possibly charge " late fees '' when I have been in Forbearance the whole time. The person on the phone could not come up with a real reason, he tried to get approval to remove them or reduce them, all he could do was give a XXXX dollar credit. ( we are talking thousands of dollars of late fees and he can take off XXXX bucks. Come to find out, the reason that there are " late fees '', is because Navient takes so long to process their paperwork that it shows up as if I am late in renewing my forbearance every other month. I am also astounded that they can charge 8.5 % interest on loans! nobody has see those kind of rates since the 1980 'S! but at least back then we were making good money and the economy was robust. I guess they forgot the " ro '' in robust and are just going for the bust. I have no problem paying back my loan, but would love to be able to deal with an honest company with honest rates and transparent policies and procedures. I also have loans with XXXX and XXXX and XXXX and those agencies are straightforward and the interest rates are between 2 and 3 % and there are no surprise fees. I am attempting to consolidate all my Navient loans into XXXX loan and begin the re-payment process, I could not get a straight answer as to the interest rates and fees involved ... we shall see. From what I have experienced already, I am very sceptical. For all those out there, stay out of the student loan debt. Go some other route. I have been working on becoming a XXXX for 21 years, I was working full time and raising XXXX kids and still paid a XXXX a month into the system, but I still had to take out loans to get it done. -good luck to all | ||||||
| 03/21/2023 | Yes |
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| I am submitting to your attention a complaint that involves alleged private student loans that Sallie Mae/Navient and XXXX XXXX claim existed. Both SallieMae/Navient and XXXX XXXX are claiming these alleged private loans existed and have been collecting on these loans since allegations began. XXXX now holds the alleged private loans formerly held by SallieMae/Navient XXXX I have included attachments that reflect supportive documentation that such alleged private student loans may have been fraudulently created and/or misclassified. These alleged private loans were initially classified as federal student loans and were re-classified as private loans with different ID and account numbers. Numerous phone calls were made to SallieMae/Navient and XXXX XXXX with requests to justify the existence of the alleged two private student loans to no avail. XXXX XXXX attempted to justify collecting on a duplicate set of these alleged private loans. I requested specific documents from both Navient and XXXX XXXX that would help support the allegations of private student loans/disbursement. A review of the information received did not support the allegations that there were private student loans nor actual proof of disbursement. Contesting repeatedly to SallieMae/Navient and XXXX XXXX that I felt the alleged private loans were not valid loans and that these alleged loans may have been intentionally/unintentionally misclassified, I thoroughly searched my own records, made several telephone calls to the University, Department of Education, and Federal Student Aid Office seeking proof . The University confirmed there were never any private loans disbursements- only federal loans supported by information submitted and that they would have to approve any private loan requests/disbursements. There are no records of any alleged private student loans with supportive documentation in my files nor the files of those queried. SallieMae/Navient and XXXX are the only ones alleging such loans existed and information submitted is both questionable and does not support their allegations. The following attachments were based on information derived from the Department of Education and from SallieMae 's records.Reflected in attachment # 1 is documentation which shows similar dates/amounts of " federal student loans '' that SallieMae/Navient and XXXX XXXX claimed were private student loans. Attachment # 2 shows federal loans, not disbursed, around timeframe reflected in their document submissions to me. Finally, from SallieMae 's records, attachments # 3 & 4 clearly reflect that the alleged private loans were originally classified as " Federal Plus Loans. '' | ||||||
| 01/13/2021 | Yes |
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| In XX/XX/XXXX, I had begun what was suppose to be my last semester in graduate school. The only thing I had left to do was defend my thesis. After several weeks of trying to get in contact with my thesis chair, 1 week after the add and drop period had closed, he finally email me back. Without adequate time for me to make adjustments, he informed me that he was too busy to continue to chair my thesis. I was dropped from my course and had to sit out due to the add and drop period closing 1 week prior. According to the supervisor at the registras office, when they sent the report to the national clearing house to verify student status, I was reported as not enrolled. This started a domino effect. Over the course of the next several months, because I was not enrolled in school, my loans came due immediate, which I was not Informed and did not have access to the school email any longer. I was received a 30 day credit mark and 60 day credit mark for failure to pay. Fast forward to know, this has cause a huge burden on my credit score which is hindering me from getting a home loan. I would have never know these payments were late and the root cause of the late payments if I was not looking to purchase my first home. After speaking with the advocate for department of education, she informed me if XXXX XXXX XXXX XXXX could change me to at least a part time student for that semester being I was dropped by default and I was not even given adequate time to adjust or I could have changed from thesis to non thesis and picked up the addition course needed for graduation that semester and graduated on time. I spoke with the supervisor in at the registras office. She confirmed I was initially enrolled in at least part time before being dropped by my professor at the time for something that was out of my control. She was not sure if she could change the me to at least part time for spring of XX/XX/XXXX, which is what the representative from department of education stated she needed done in order to correct the reporting on her end. She stated she would get back with me in a couple days. It had been a couple months now, she is not responding to any of my emails nor calls. Back in XX/XX/XXXXwhen this first happened, I had the local news involved. They were about to pick up the story but ran into a road block when XXXX XXXX XXXX XXXX would not give them information about the case. At that point they wanted me to get a lawyer to avoid Any potential lawsuits. At the time I did not have time, being I had already moved on to another state, nor the funds to afford an attorney. This has caused me 1.5 years of lost time, money as well as denial of a Mortage. | ||||||
| 10/16/2016 | Yes |
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| About 2 months ago I called Navient because my loans came due and I finally am in a place financially where I can start paying them back But, the crux is I can not give these people $ XXXX- {$800.00} dollars a month, I 'm sorry that 's more than my rent! So I started the process of consolidating all of my loans ( Even my private loans I made sure of that ) and getting a lower payment. My payments were n't supposed to start until next month, XX/XX/XXXX ... they lied to me about that, I got a bill for this month and paid it ( {$160.00}, I wo n't complain about that ). The problem is I have been getting calls at my home, my parents home, and my job from XXXX , XXXX XXXX XXXX, an attorney company that deals with defaults and collections. It seems someone had sent one of my private loans to them for collections. I called them back to set up a payment plan and they refused to listen to me or work with me. The bill is around {$1700.00}. And " they can give me a deal and I can pay it off today for {$1500.00}! '' Yeah no, I 'm sorry I do n't have that kind of money to give them, I am still in the process of rebuilding my life financially and that 's not a deal. After arguing with the boy on the phone for about 30 minutes i finally got him to concede that i was not going to pay that, So I set up a payment plan to pay them {$50.00} a month so they would stop harassing me and my family. Now, here is the kicker, I am being charged TWICE for the SAME LOAN! when I went online to check my statement I noticed that Navient was attempting to charge me the the full amount of the exact same private student loan of {$1700.00} ( Even though my consolidated amount due shows {$10.00} ) that the person at this company had argued with me about. This guy on the phone at the attorneys office had told me flat out that Navient had lied to me ( which they do consistently I am not surprised when they do, they do n't teach their techs anything ), and that it is impossible for my private loans to be consolidated, I am unable to do that, and it was sent for collections, this man basically called me an XXXX and said it was my fault I was in default even though I have done everything right. I get it, they deal with liars on the daily, but I am not one of them. So now I am paying this attorney and Navient for the same loan, and that 's not right! And this is not the first time! XXXX 2015 I had to track down the VP of Navient ( on XXXX ) and I lost it, they harassed me and my family while I was unemployed and in school to pay loans I could n't pay on and they knew all of this, they knew I had no income and that I was in school and they still tried to come after me. | ||||||
| 10/30/2017 | Yes |
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| Hello, I 'm not sure if I selected the correct category to describe what I 'm going through but I had to select something. I attended a cosmetology school from XXXX. When I approved on their end and now I have to wait on an approval from the dpt of ed. I first went to the school for information on joining I did n't have a high school diploma. I was told by XXXX of the staff members that I can quickly get a high school diploma at XXXX XXXX school online. I took all information I needed to get enrolled, went home and got the diploma online and all other documents I needed then went and enrolled in the school which was then called " The Academy of Hair Design ''. The school was all out of whack, they did n't have any steady teachers in fact had me teaching the students how to braid hair. It was crazy and due to the fact that that school could n't benefit me and me losing my baby sitter I left after a few months in. I felt that we were n't learning anything at that time. So all of these years later I am thinking I have a high school diploma. Well recently, I have been inquiring about going back to school only to find out that my diploma is a FAKE diploma and the school XXXX XXXX XXXX was shut down for selling fake diplomas and doing fraud. I immediately went online to get the contact info for XXXX XXXX XXXX design to only find out that school was shut down and is now operation under a different name " XXXX XXXX XXXX ''. So I am now crushed to the bone because I have a FAKE diploma and now need to go get a GED mean while my oldest son will be graduating high school soon ( I 'm embarrassed ), and also both schools are shut down on me. So I 'm in a lose- lose situation. I should not be liable for this debt as I was tricked into getting it by both parties and I now have to start from scratch as a mom with XXXX kids and get a GED. These student loans have been haunting me for 9 years and I did n't even get anything out of it but a fraud high school diploma that is now trash. How can I tell my children that I do n't have a diploma when I 'm constantly on their backs about school. It 's so embarrassing and causing me XXXX. I filed for an " Ability to benefit claim '' with Navient. I called Navient and they told me it was approved by them and it 's now awaiting approval from dpt of ed. I called the XXXX of XXXX several times as I am trying to enroll in a GED program for XXXX but I need to get this situated. Dpt of ed is telling me they do n't have my file. I am lost, depressed, stressed, embarrassed, frustrated and just want these fake student loans deleted out of my and off of my credit reports so I can start over!! PLEASE SOME ONE HELP ME! | ||||||
| 05/02/2018 | Yes |
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| A few months ago I was informed by both XXXX and Navient that Navient is purchasing my 2 private student loans from XXXX. I was told that this would occur in XX/XX/XXXX with my first Navient payment being due XX/XX/XXXX. I was enrolled in automatic payments with XXXX. When my loans transferred to Naivent, so did my automatic payments and bank information ( without my approval or knowledge ). On XX/XX/XXXX Naivent emailed me to remind me that my payments of {$180.00} and {$160.00} are due on XX/XX/XXXX but I never received any kind of billing statement via mail or email. The email states " ... here 's a friendly reminder that your Monthly Payment is due soon. This is not a bill. '' There was a link to my account inbox where my loan statements should be but when I log in it simply says " No Correspondence History is Available to View '' in red letters. On XX/XX/XXXX Naivent automatically took the payments of {$180.00} and {$160.00} out of my bank account account without ever issuing any kind of statement. On XX/XX/XXXX I called Navient and spoke with a customer service representative who informed me that since my loans were newly transferred, my information was still being loaded into the system and that it takes time. He told me to call back after XX/XX/XXXX and all my statements and information will be online. On XX/XX/XXXX I received another email from Navient reminding me that my monthly payments of {$180.00} and {$160.00} are due XX/XX/XXXX. This email looked exactly like the last email stating " ... here 's a friendly reminder that your Monthly Payment is due soon. This is not a bill. '' I then logged onto my Navient account to download my statements for this upcoming due date and again, there was a notice in the inbox that said in red letters " No Correspondence History is Available to View ''. I called Navient customer service a second time and asked when I will be getting a billing statement and how I will get it. I was told that it will be coming via US Mail and that the paper statements are mailed the same day that the reminder email goes out and that it will be arriving in a few days. She could not tell me when/if my statements would be posted online. On XX/XX/XXXX I still have not gotten any kind of billing statement through the mail or electronically. The inbox in my online account still says " No Correspondence History is Available to View ''. My autopay is still set up and ready to be processed for the due date on XX/XX/XXXX but I still do not have access to any billing statements, their office is closed and there is no way to put in a request for service via their customer service line or online account. | ||||||
| 01/22/2017 | Yes |
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| I mistakenly selected a private student loan from Navient while trying to apply for a Federal student loan because Navient mingled the private loan with Federal student loans. I made payments for years, and suddenly Navient increased my monthly payment amount to more than double. They actually had lied to me that they would decrease my interest and payment in the near future and that they would apply all the money I paid to defer the loan, in the past, to my principal. Unable to make the increased payment, I called Navient to negotiate. I have a recording of the call. A Navient agent categorically refused to negotiate and demanded instead that I pay the entire balance of the loan, even though I had not defaulted. When I told her that I do n't have the money, she asked me to transfer the entire balance of the loan to my credit card. She claimed, erroneously, that I have a credit card that I can use to transfer the balance and suggested that I do that because there is no other solution for me. The agent then threatened that Navient will destroy my credit rating as well as that of my wife, who co-signed for the loan. When I suggested that bankruptcy could be an option for me, she laughed and told me that Navient will not go to bankruptcy court with me. She further threatened that Navient will harass both my wife and me with phone calls until we pay the entire balance of the loan. Because I have a XXXX, I was very concerned about the potential XXXX that such telephone harassment could cause to my health. I therefore pleaded with her not to harass us with phone calls, and even threatened to file a lawsuit if they go ahead with the threat. I immediately requested, in writing, that Navient should only contact us by email and postal mail as they had done previously. Navient, however, proceeded with its threat and started calling us, as many as ten calls some days. I requested multiple times, in writing, that they should stop calling, but they refused to stop. I even sent my XXXX XXXX, showing that I have a XXXX, and informed them that I have had to seek XXXX for XXXX stemming from their harassment. Navient still refused to stop calling. I was under such stress that a part of my body started to swell, which will later turnout to be XXXX. I am convinced that my XXXX is likely caused by the XXXX that Navient caused. Navient only stopped calling when I found an attorney who called them and told them that he will file a TCPA suit. I have the recording of my phone conversation with Navient and I would like to submit it as evidence in your lawsuit against Navient. I would also like to appear as a witness if you can find me useful. Thanks. | ||||||
| 07/26/2017 | Yes |
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| I had private loans through Navient, which I recently consolidated through XXXX XXXX XXXX XXXX ( XXXX XXXX ). XXXX XXXX uses Navient as their servicer, so I am still working with Navient who originally held the loans. XXXX XXXX submitted payment to Navient to payoff/consolidate my loans in XXXX of 2017, and my repayments to XXXX XXXX, serviced through Navient, began on XXXX/XXXX/17. The XXXX XXXX loan is ID XXXX. After my new payments began with XXXX XXXX I noticed that I still had balances on my loans originally held by Navient. Navient did not XXXX out my accounts and transfer the balances to XXXX XXXX. I notified Navient of this issue on or around XXXX XXXX, 2017. I was told that the XXXX remaining balances, account ID XXXX and account ID XXXX, which showed about {$300.00} remaining, would XXXX out in about a month. I was provided ample assurances that everything was fine. I waited. After the given deadline I reviewed my account and found that Navient did not resolve the issue. Once again, on or around XXXX XXXX, 2017, I called Navient and informed them of the issue. The representative I spoke with reviewed my account and said that the account will definitely be resolved by XXXX XXXX, 2017. I was told that it takes 90 days to completely XXXX out accounts, and the accounts would be resolved by this date. That date came and went, and I am still stuck with balances on my account that should have been consolidated with the rest of my loans. These loans are also accruing interest, so my balances are continuing to increase. Navient has repeatedly lied to me about my account status, while they profit from the accruing loan balance. On every call I have made they refuse to do anything to resolve my issues besides tell me to wait. I am tired of being lied to by this company. This is an unfair practice : it causes injury to me, the consumer ; I can not reasonably avoid the injury since Navient is holding the account and their representatives have not assisted me in resolving the issue ; and there is no countervailing benefit. Alternatively, this is a deceptive practice : Navient 's representatives purposefully mislead me by telling me that the accounts would be resolved within 90 days ; my interpretation is reasonable since they gave me specific deadlines as to when the accounts would be resolved, on two different occasions ; and this misrepresentation is material since I continue to accrue interest on these open accounts. Additionally, I continue to receive monthly bills for these two accounts despite the fact that I have no payment due and they are " going to be resolved ''. I have attached a copy of my monthly bills for reference. | ||||||
| 06/12/2018 | Yes |
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| On XX/XX/XXXX, I received an Assessment from the City of XXXX XXXX regarding allegedly unpaid city business taxes. I have had a business license with the City of XXXX since XXXX, but, as of the end of XXXX my business had no revenue, and thus owed no tax. My CPA wrote a letter to the City informing them of that fact and nothing further was heard, until XX/XX/XXXX, when I received a collection notice from Municipal Services Bureau of XXXX, TX, attempting to collect my " debt '' to XXXX City. On XX/XX/XXXX, being unable to reach the City Finance Office by phone, I went in person to the finance office, showed them my paperwork, and the clerk looked my case up in the computer, found I had no revenue from my business, crossed out the amount on the Assessment Notice and hand-wrote " XXXX '' and the word, " Amended '' on the notice, date-stamped and had me write on the back that I attest to the fact that my business generated no revenue. I then called MSB, explained the situation to them and was told to fax them all my paperwork, which I did on XX/XX/XXXX and received a fax confirmation notice. On XX/XX/XXXX, I received a " Second Notice '' from MSB regarding the alleged " debt. '' I called them, and spoke with a representative AND a supervisor, who advised me that I had to work the debt out with the City ; the paperwork I had sent them was, in their view, inadequate proof that the City acknowledged the debt did not exist and they refused to update their records. I called the City Finance office today, XX/XX/XXXX, and they acknowledged ( a ) I had no debt to them ; ( b ) there were no open files under my business license and ( c ) that they had notified MSB of this fact but that MSB apparently had not updated their records. MSB is attempting to collect a non-existent debt. With each " Notice, '' the " owed amount '' increases, and a threat is made to report the matter to the various credit bureaus. I am attaching the original Assessment notice from the City, with the Clerk 's amendment of the amount due to {$0.00}, the statement the clerk asked me to write when I visited the finance office, the letter from my CPA acknowledging that I owed no business tax for XXXX, the First Notice from MSB, the fax and letter I sent to MSB along with the Clerk 's amendment and my statement, the fax receipt confirmation, and the Second Notice from MSB. As a point of clarification, the matter has been resolved with the City of XXXX XXXX and they have confirmed that THERE IS NO DEBT OWED. My complaint is with MSB, which is trying to collect a non-existent debt, despite the fact that they've been notified that there is no underlying debt to collect. | ||||||
| 11/07/2016 | Yes |
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| On Monday XXXX XXXX, 2016, I contacted Navient about paying off a subsidized student loan of approximately {$2000.00}. I chose to pay over the phone as I know there is an exact pay-off amount that is usually a few dollars different from what the borrower sees in the online account. I was quoted a payoff amount of {$1100.00} and the agent took the information needed to pay this full amount. She let me know it would take a few days to reflect the {$0.00} balance in the online account and congratulated me on my payoff. In XXXX I logged into the account and noticed a {$33.00} balance on this same loan. When I contacted Navient, they explained that I did not, in fact, pay off the loan, and that a small remaining balance had been accruing interest since XXXX. They stated perhaps we were n't quoted the proper payoff amount, because our payment was only {$1100.00} and the payoff back then would 've been {$1100.00}. When you look at the account transaction history, it shows that we did, in fact, pay {$1100.00} on XXXX XXXX, but were then credited that money back and charged {$1100.00}, leaving an {$.00} balance to accrue interest. Why did this happen?? They could not explain, but the loan was n't paid in full so we now owed the {$33.00} interest accruement. We pressed, spoke to a supervisor, and were informed this would be submitted for evaluation and we would receive a letter in the mail. The letter came and we were denied - we owe the {$33.00}. I spoke with Navient again around mid-XX/XX/XXXX, and that representative told me that for such a small loan, she did n't understand why they would n't just close it out. She said she would submit it for evaluation and we would be contacted regarding this. I waited weeks and did not receive any contact. Navient contacted me Friday, XXXX/XXXX/2016, requesting payment - this loan is now past due. I inquired about the {$33.00}, that is now {$34.00}, as I had never received the promised communication about closing it out and was told they do not cancel loans unless they are under {$25.00}, but that I could speak to a supervisor. I was on a family vacation and had already discussed the background of this issue with the customer service agent for 20 minutes, and chose not to speak to a supervisor, as this is my 3rd time requesting action on this loan. I do not feel it is my responsibility to pay these bogus interest fees as I was charged the pay-off fee I was quoted, and the customer service agent changed my payment without my permission, resulting in a remaining balance. Whether complaining through the CFPB resolves this issue or not, I want others to know of their shady business practices. | ||||||
| 02/04/2017 | Yes |
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| I have tried contacting Navient on XXXX occasions, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in order to discuss my loan repayment options and make a well-informed decision for my repayment plan. On XX/XX/XXXX, the woman I spoke with informed me that my first payment was due on XX/XX/XXXX and that I could not pick a repayment plan until XX/XX/XXXX. She instructed me to call back at the beginning of the year XX/XX/XXXX to discuss my options. I, mistakenly, did not obtain the Navient employee 's name or identification number ; however, this call occurred at XXXX and lasted for XXXX minutes. On XX/XX/XXXX, at XXXX, I had an eight-minute phone call with Navient employee XXXX ( ID # XXXX ). I called to discuss my repayment options, as recommended during my initial call. During this XX/XX/XXXX phone call, I was told that my payments would be {$500.00} per month and that my first payment was not due until XX/XX/XXXX. I inquired about options to lower these payments, as that is a substantial amount of my income. XXXX informed me that I could not discuss repayment options at that time and should call back in XX/XX/XXXX. He stated it was possible to do " interest only '' payments for " up to XXXX months, '' but that I could not initiate this option, or learn of other options, until XX/XX/XXXX. On XX/XX/XXXX, at XXXX, I had a seven-minute phone call with Navient employee XXXX ( ID # XXXX ). I called to discuss my repayment options, as recommended during my second call. During this XX/XX/XXXX call, I was told that my repayments are " estimated '' at {$510.00} per month and that my first payment was due XXXX XXXX, XXXX. I inquired about my options to lower my payments and was told that the " system wo n't allow '' XXXX to see my repayment options and that I should call back between XX/XX/XXXX and XX/XX/XXXX to discuss repayment options. I expressed my concern that if I call at that point, I will be told further vague information or told that my payments are due and I should have called sooner. I asked what I should do if I am told that there are no options, to which she replied I would be referred to another department to discuss options ; again, a vague response. I am, appropriately so, concerned about the status of my loan repayments. I have tried calling on XXXX occasions and have been told different 'facts ' and 'instructions, ' but ultimately, have not been helped. I am trying to be proactive and have gotten nowhere. There is also contradictory information on my online account. For example, on XX/XX/XXXX, my account page stated that I was in a grace period for the next XXXX days and that my first payment was due on XX/XX/XXXX. | ||||||
| 08/06/2021 | Yes |
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| Two years ago Navient placed me on a plan that Id have to renew every six months with step rate payments. I started off paying around {$180.00} a month and most recently my payments were up to {$240.00} per month. The program allows you to slowly work your way back to the full payment amount which is {$330.00} for my student loan. When I extended the lower payment program in XXXX they advised me to call back after my XX/XX/2021 payment if I still needed the assistance, which I do. I called them today XX/XX/2021 around XXXX and initially spoke to an employee named XXXX who asked me the number of people in my household and my salary, after providing it to her she advised there were no options for me. I asked to be transferred and instead I was hung up on. I called back, XXXX answered once again and this time she transferred me to XXXX employee ID XXXX. I went through my financials advised her my salary is {$3600.00} a month, my expenses are right around {$3600.00} a month, and I have a four person household of which two are my dependents. I only provided her my portion of the bills because my husband takes care of anything I can not afford. I advised her that I could still pay the {$240.00} or even a slight increase to {$260.00} but she stated there are no options available to me and its Lender discretion as to whether they provide you options or not, which to me sounds like they are ELECTING to not help me any further. For two years Ive made payments on time and Ive kept my promise. The lender clearly advised the lower payment options would be available until I made my way to the actual payment amount of {$330.00} and based on my calculations I should have at least 2 more years of lower payments available until I reach the full amount. I have ensured payments were made during covid even though all other student loan companies allowed for deferments Navient would not, and now theyre not even willing to assist a borrower who is trying to do the right thing and is asking for assistance. I would like my loan and case reviewed because Ive been faced with a lot of abusive practices from Navient over the years and I havent complained. Ive received threatening calls and emails, impacts to my credit report even when Ive tried to work with them and now Im facing another issue because I cant pay the full amount, my credit will be impacted again even if I remain paying the lower amount. At this juncture I have no options but to file a complaint with the CFPB. They have at minimum violated the following regulations UDAAP, Fair Lending, and FDCPA and I need someone to look further into my case. I thank you for your time and consideration. | ||||||
| 11/26/2019 | Yes |
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| I recently moved to XXXX to escape an XXXX husband, my income did not change in USD, I am just now paid in CAD - same company. I was originally making approximately $ XXXX in the US pre-tax, post tax it was about $ XXXX. When I originally certified for income based repayment based upon those numbers and my marriage, I was paying {$0.00} a month. After the divorce, I went through the re-certification process again, and although my income did not change, now Navient is claiming I owe {$470.00} a month. This was originally based upon me providing a letter from my employer in XXXX advising that I make {$100000.00} a year CAD. I was told this specifically by a Navient employee in XXXX, and was told to resubmit my application based solely on my XXXX tax return and not using any letters from employers. I did this, and it came out yet again to {$470.00} a month. The woman I spoke with after this - on XX/XX/XXXX - said that it was another mistake on their part, that based upon my $ XXXX $ XXXX AGI I should be paying {$360.00} a month, and advised that she was putting notes in the file so that someone would correct the issue. I never heard anything back, and logged in on XX/XX/XXXX to see that I am still being told I owe {$470.00} a month. After about an hour on the phone with various people - all of whom stated that this {$470.00} a month was based on my $ XXXX XXXX, I was finally informed by a supervisor - who had also erroneously claimed that this was based on my $ XXXX XXXX - that I was right the entire time and the {$470.00} WAS based on my $ XXXX CAD income being treated as $ XXXX XXXX, which had I been stating all along throughout this phone call. She advised that after reviewing my file further, she discovered that my joint tax return was not accepted because I filed taxes jointly ( as I was married when my ex husband and I earned our income, of which he only earned approximately {$2000.00} for the year ) and subsequently divorced. After hours of explaining everything to people at Navient ( something that can not be that uncommon - surely people get divorced and pay student loans all the time ) everyone I speak with agrees I am right and they apologize for the " inconvenience '' but then just keep " resolving '' the issue the same way as before so nothing is ever done. I don't know what to do, I am still dealing with the debt my financially abusive ex husband left me with, and am struggling a great deal. All I want is for my monthly payment amount to be calculated correctly and fairly, and for me to not have to spend hours fixing an issue that I did not create. As of submitting this, the issue is still not resolved. | ||||||
| 09/23/2015 | Yes |
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| I am writing to the consumer financial protection bureau to remake a complaint concerning a matter which I previously made a complaint on in XXXX of 2015 ( complaint # XXXX ) on my private student loans. At that time I made the complaint that even though I was paying my bill, Navient was still harassing my aunt who is a cosigner on my loan and was suffering from XXXX, had a XXXX and had XXXX at XXXX XXXX and XXXX XXXX Hospital in XXXX XXXX, where she lives. She has now been diagnosed with a mass on her liver. When I complained to you and your organization, you got in touch with Navient and the harassing phone calls stopped to my aunt. I continued to make payments and arrangements as I will outline in the following but my major worry is that they have yet again started harassing my aunt. I would seriously request your help in making them refrain from harassing my aunt suffering from XXXX who is not responsible for the bill and only a cosigner. I would like her removed as I have been making the payments. As of right now, I had spoken with Navient and had been told if I submitted bank statements and pay stubs that I would be qualified for a program to reduce my interest rate to 1 % and my payments would be {$250.00} a month. I submitted the paperwork and they took a payment of {$250.00}. Navient left me a voicemail saying I was approved but they needed to speak to me. When I called back, they said I was not approved in complete contradiction to what I had been previously told and with the amounts of money taken out of my account. Of course no full names were given to me and they did not give me any other options. In the mean time they have taken XXXX more payments of {$250.00} out of my bank account. They have continued to call my Aunt who has been battling XXXX for years having XXXX, a XXXX and been through XXXX treatment and recently discovered a XXXX. My XXXX continually receives calls at home and at work, day and night. The last person I spoke to at Navient told me he needed to speak with my aunt to set up the program. When my aunt spoke to the man he was extremely rude and said " You can pay your bills but not us. '' That is completely wrong to say that to someone who has been paying medical bills on top of her own family matters and who is not responsible for this bill and is simply a cosigner. It can not be legal for Navient to take payments and then say I am no longer qualified for the program let alone verbally abuse my aunt on the phone. I am trying my best and have been making payments but Navient continues to break their word and not work with me and harass my aunt which I have previously put in a complaint about. | ||||||
| 07/14/2018 | Yes |
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| The issue started over 15 years ago when Sallie-Mae split up and sold off my FSSL to 4 or 5 other lenders. I was sent statements by one lender, and thought I had paid all of my debt within 5 years. Two years after I thought my debt was paid, I was contacted by yet another lender ( so long ago, I don't remember who now ), stating I was going into default on my student loans. I began paying that company and ran into financial hardship. I was told the only way out was to request a forbearance. They kept me in forbearance for a couple of years. Then I lost contact with them, and for 10 years had no idea who was servicing my loans. Eventually, Navient wound up with my loans. When they demanded over {$400.00} a month for loan payments, I advised them there was no way I could make that kind of payment. They, too, said the only thing I could do to avoid default was to continually file for a forbearance. I was never offered any lower payment plan, was given no information on how to negotiate a lower payment. Out of total frustration and lack of communication on their part, and although I know it was the wrong thing to do, I simply quit making payments and taking out forbearances. My loan went into default earlier this year and they advised me they could not help me anymore, stating I needed to contact XXXX XXXX XXXX ( XXXX ), which I did. My last contact with Navient a year ago showed I owed a little under {$25000.00} on my student loans. Once I contacted XXXX, I was told my debt was now {$44000.00}, with no explanation as to where the extra {$20000.00} came from. At the time, I was not made aware that XXXX was a subsidiary of Navient. I entered into a contract with XXXX to get my loan into rehabilitation. I was told by an agent that my loan would be reported to the credit agencies on XX/XX/XXXX of this year if I didn't make payment arrangements through them. I was also told that if I entered into the payment arrangement prior to XX/XX/XXXX, and kept current on my payments, the default would not be reported. I have made two qualifying payments as required by XXXX, but this week I received a letter from XXXX XXXX XXXX XXXX, stating that I have failed to enter into a repayment plan, and the default has been reported to the credit bureaus. I have been attempting to contact XXXX for 4 days now and can not get through. I have left multiple voicemails, literally begging them to return my call, but to no avail. I am not disputing the original loan amount, nor am I disputing that I owe the debt. I am disputing the practices of the companies involved. I feel this debt could have been paid off in full had I been given the proper information. | ||||||
| 01/23/2017 | Yes |
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| My daughter got a student loan through XXXX XXXX ( we cosigned ) for a training program and we had been paying on it regularly until we were forced to file bankruptcy in XXXX. We knew federal student loans werent dischargeable and expected to resume payments after the bankruptcy. When we emerged from chapter XXXX in XXXX of this year, we suddenly started receiving bills from Navient on the balance, along with a bill for the {$1200.00} in interest they had put on my loan during the time I wasnt even able to make payments. I had taken my loan out through XXXX XXXX, not Navient, so I requested loan documents to verify the loan was mine. They began to call and give me a hard time and them finally got loan documents to me three months later. Im familiar with enough scams that I dont just start paying people who call me who I dont know and demand payment. By the time I received verification, three months had passed and they began harassing me for the loan payment, which had increased, along with the payments in arrears because they took so long to verify the loan was mine. They then sent me letters offering to work with me to help me pay the loan, but then denied me every option. They declined an interest reduction, extending the loan to lower the payments, and a couple of others. They claimed that the loan was due by XXXX XXXX and they couldnt ( more like wouldnt ) extend it. I have now received a 30 and 60 day notice on my credit and they keep threatening me with default if I dont pay up. I am XXXX and have a variable monthly income. I explained this to them and they dont care and simply demand payment. I dont wish to default but they may leave me no option. Additionally, when they call, they demand my birth date and social security number to " verify '' I am who I say I am. I always decline and remind them that only an idiot would give out information a scammer would want when some stranger calls on the phone. They usually get XXXX and hang up. I also have an app on my phone that allows me to record phone calls. Twice now I have informed them at the beginning of the call that I will be recording the call, and they have become very irate, demanding I dont record. I find this amusing since they inform callers they record calls on their end for quality assurance. I 'm not sure why they would care if I record the call unless they wanted to edit the calls themselves. Seems sketchy. They also use a random number generator that gives a random location and number every time they call. Thats a scammer tactic. I 'd like to resolve this and not further damage my credit, but they are intransigent. If you can help I would be grateful. | ||||||
| 09/27/2018 | Yes |
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| In XX/XX/2018, my {$650.00} student loan payment was spread across the seven loans I hold with Navient in the following way : XXXX Direct Loan {$41.00} XXXX Direct Loan {$45.00} XXXX Direct Loan {$46.00} XXXX Direct Loan {$55.00} XXXX Direct Loan {$59.00} XXXX Direct Loan {$150.00} XXXX Direct Loan {$250.00} During the months of XXXX and XXXX, my payment was distributed in this way : XXXX Direct Loan {$0.00} XXXX Direct Loan {$0.00} XXXX Direct Loan {$0.00} XXXX Direct Loan {$0.00} XXXX Direct Loan {$0.00} XXXX Direct Loan {$0.00} XXXX Direct Loan {$650.00} As of XX/XX/2018 I had accrued {$460.00} of unpaid interest. As per federal law, loan servicer companies are required to apply all payments in the following manner : first to outstanding fees, second to accrued interest, and finally to the principal balance. For the past two months Navient has been negligent in following this federal requirement. At no time did I request a change be made to how my payments are applied. It should be noted, though, that in XX/XX/XXXX I did do research about how to apply for income based repayment schedules with Navient 's loan repayment too. I am not sure that these are related, but wanted to disclose this activity in the event that it was misconstrued as a desire to change my payment allocations. I emailed the company about this situation and did a follow up phone call when my email was not answered correctly. When I called, the person on the phone told me initially that the payments had been disbursed appropriately. When I told her that this was not reflected on my end, she looked again and let me know that I was correct. She said that the reason these payments had gone solely towards loan 11 because I was ahead of schedule on payment and that the payments for XX/XX/XXXX and XX/XX/XXXX were over payments and that was why they were disbursed as such. I asked her why the payment application had changed and she could not give me a definitive answer on how the payment allocations had changed or why they had changed. She was able to change the allocations back to how they were before and gave me a date as to when my past payments would be reapplied properly ( XX/XX/2018 ). As I continued to ask about why the allocations were changed, I was disconnected from the person from Navient and my call was forwarded to a survey about my experience.I 'm not sure if this was accidental or on purpose. XX/XX/XXXX has come and gone and these payments have not been reapplied, and the record of those payment allocations have disappeared from my online account. I received only a message from Navient confirming the amount of money I still owe them. | ||||||
| 08/31/2018 | Yes |
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| Navient made several false reports to credit buruaes concerning my private student loans serviced by Navient. On or around XX/XX/2018, I enrolled in a reduced payment plan with Navient. I scheduled a payment at that time, to be debited towards the end of XX/XX/2018, for the reduced amount. That amount was to be debited from my checking account monthly for the next 9 months. I was told that no negative reporting would be made to credit bureaus as long as I was current with the reduced payments. In XXXX, no payment was debited from my checking account. I called Navient on XX/XX/2018 to discover the reason for this. It was then that I was told that the Navient representative I spoke with on or around XX/XX/2018 did not properly enroll me into the program. I spoke to Navient representatives on XX/XX/2018, XX/XX/2018, and XX/XX/2018. All the representative I spoke with have admitted that the false reporting to credit bureaus occurred due to Navient 's errors. However, they have all decried their inability to retract the false reporting, citing Navient 's policy. On XX/XX/2018, I received a call from XXXX in the Ombudsman 's department of Navient. He stated that the phone call was recorded. On the recorded call, XXXX admitted that at the time the report was made to the credit bureaus, ( 1 ) I should have been enrolled in the reduced payment program but for Navient 's employee 's error, and ( 2 ) even though I was not enrolled in the reduced payment program, my account was NOT in a past due status warranting credit reporting. XXXX admitted that it was Navient 's error that caused the false reporting to the credit bureaus. XXXX XXXX stated that another internal Navient department had reviewed my request for retraction and granted it. However, XXXX stated that the retraction would not take place until my account was no longer delinquent. My account is only delinquent at this time because of an error by Navient which caused my XX/XX/2018 payment to not be considered a full payment, caused me to miss my XX/XX/2018 payment, and caused my XX/XX/2018 payment to be the first payment in the payment reduction program I should have been enrolled in starting XX/XX/2018. On XX/XX/2018, XXXX informed me that the employee who did not properly enroll me in the reduced payment program on XX/XX/2018 is no longer employed by Navient. As I told XXXX, that takes care of Navient 's problem, but it does not address mine. That employee 's damaging actions will only be corrected when Navient retracts the false reporting. Navient 's policy should be overwritten immediately due to Navient 's error in causing the false credit reporting. | ||||||
| 11/29/2017 | Yes |
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| 1. I immediately filled for IBR immediately after President Obama 's State of the Union in XXXX. I am a XXXX and was told that after 120 payments my loan would be forgiven. Under the new system we were allowed to claim as far back as 2 years. So I filed with XXXX XXXX at the time. XXXX XXXX. 2. Navient purchased themselves ( XXXX XXXX ) and I was informed nothing will change but the name. So I paid my loan as prescribed under IBR sometimes {$0.00} and each year provided proof of income. 10 years meant that inXX/XX/XXXX I would be free of these loans under IBR and when I inquired I was told I had only been in IBR 3 years. Which is not true. I asked for the loan forgiveness and was lied to by NAVIENT. 3. So I filled again for IBR well before the deadline of XX/XX/XXXX I waited and then in XXXX I received a notification that my IBR was approved for {$840.00} per month. What? So I called NAVIENT on or about XXXXXX/XX/XXXXand was told by the representative that I need to resubmit the IBR form and current pay stubs. So I did online. I was informed that it would take XXXX days. 16 days passed and no communication. So now I am coming up on the payment for XXXX. It is mid-month so I resubmitted the forms VIA traditional Fax. Again waited ... 11 days. No actin and NO communication. So I called Navient on XX/XX/XXXX. 4. I spoke with XXXX XXXX and he informed that since the loans are under my ex-wife 's name and she is a teacher making very little we qualify for PAYE or REPAYE and need to make XXXX payments -- see above. So I said okay let 's do this. I repeatedly asked him to make sure that this is for account number xxxxxxx. He kept shrugging it off then said I just need a payment of {$740.00} on a credit card. I figured okay this must be to satisfy my payment. Then he tells me XXXX will be taking care of me and we will be on the PAYE plan. 5. I keep receiving e-mails from the XXXX XXXXXXXX XXXX XXXX and XXXX. In the meantime NAVIENT is hounding me for the XXXX payment. I contact XXXX and they tell me it will be 6-8 weeks until the loan is under PAYE/REPAYE. So I wait. 6. I fax ( phone ) NAVIENT explaining what is going on and they put my payment at {$0.00} as administrative forbearance. 7. TODAY XX/XX/XXXX I received a letter from Federal Loans telling me I do not qualify for the consolidation since NAVIENT has placed my loand in consolodation as IBR. Sooooooo here I sit having paid an enormous fee via NAVIENT, through their rep -- XXXX XXXX, and am NOT receiving what I am paying for. I was scammed and now XXXX XXXX and XXXX have my money with no results and I am on IBR again and not PAYE/REPAYE. This is absurd. | ||||||
| 07/28/2017 | Yes |
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| In XX/XX/XXXX, I borrowed {$10000.00} to complete my XXXX XXXX degree. I have been paying what I can afford, in some cases more than I can afford, and applying additional payments to drop my principal amount owed for the past 9 years ( total amount of payments : {$8800.00} ). To date, my current balance with Navient is {$9900.00}, less than {$300.00} from what I originally borrowed, despite my thousands of dollars in payments and additional payments towards principal over the past 9 years. I believe Navient has been applying my payments and additional payments to interest rates and future interest rates ( rather than to my principal ) without my knowledge in order to keep me indebted to them for decades. Please find below a list of transactions over the most recent year. My monthly payment is due on the XXXX each month, yet I made additional payments. My regular payments consist of {$12.00} going to principal with {$50.00} go to interest. My interest rate is only 6.550 %. Also, instead of applying my additional payments to principal, Navient applied portions to future interest payments. Date Description Principal Interest Fees Total XX/XX/XXXX PAYMENT ( {$65.00} ) ( {$53.00} ) {$0.00} ( {$110.00} ) XX/XX/XXXX PAYMENT ( {$11.00} ) ( {$55.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$24.00} ) ( {$43.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$89.00} ) ( {$10.00} ) {$0.00} ( {$100.00} ) XX/XX/XXXX PAYMENT ( {$14.00} ) ( {$53.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$63.00} ) ( {$3.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$21.00} ) ( {$45.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$60.00} ) ( {$5.00} ) {$0.00} ( {$66.00} ) XX/XX/XXXX PAYMENT ( {$10.00} ) ( {$57.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$10.00} ) ( {$57.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$11.00} ) ( {$55.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$9.00} ) ( {$57.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$21.00} ) ( {$46.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$60.00} ) ( {$9.00} ) {$0.00} ( {$70.00} ) XX/XX/XXXX PAYMENT ( {$26.00} ) ( {$41.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$53.00} ) ( {$16.00} ) {$0.00} ( {$70.00} ) XX/XX/XXXX PAYMENT ( {$56.00} ) ( {$11.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$200.00} ) ( {$48.00} ) {$0.00} ( {$250.00} ) XX/XX/XXXX PAYMENT ( {$9.00} ) ( {$58.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$7.00} ) ( {$60.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$9.00} ) ( {$58.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$7.00} ) ( {$60.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$13.00} ) ( {$54.00} ) {$0.00} ( {$67.00} ) | ||||||
| 03/28/2017 | Yes |
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| I have had repeated trouble with Navient who I did not believe to be my legal and valid loan servicer. I 've been called on several occasions in XXXX and my questions as to which loans they held and how they received them were never answered as my loans are consolidated and reside with XXXX and the department of education. I 've been hung up on when asking to speak to a supervisor about this matter. They have even gone so far as aggressively calling and leaving personal account information with strangers asking for me at a coffeeshop near where I do volunteer work. It is not a place i have ever worked I have no idea how they decided to call said coffee shop, I assume because it shar es a street addre ss with a theatre where I volunteer. I do not have permanent nor part time employment and have not sinc e XXXX . I co nsolidated all my student loans through XXXX and the Department of Education, and have them in deferment and in good standing with a income dependent payment plan in place starting in XXXX XXXX . I have documentation provided from Nelnet stating as such. Today I learned my entire joint tax refund filed by my husband and I has been claimed by Department of the Treasury via th e Dept. of Education C/o Navient for defaulted student loans. When I log into Navient 's system It states " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' ( I have screen shots for documentation ) I have been under the impression that all my loans were successfully consolidated in XXXX an d in good standing so it comes as a shock to see XXXX loans dating t o XXXX - XXXX b eing called into question. I truly believe Navient has fraudulently concealed these loans or falsified their very existence which they claim have been in repayment since XXXX defaulting in XXXX ( I never received word of Navient 's existence until the late spring of XXXX ) from XXXX and the Dept of education when I consolidated my loans. The department of Education informed me they themseves did not know how or why Navient allegedly had these loans when I consolidated all loans i n XXXX . I believe the account was made default through fraud and misinformation. When I spoke to Navient they informed me repeatedly that I owed them the entirety of my student loan debt to them and that my loans had never been consolidated and were all due to them despite my factual evidence from XXXX and the Department of Education clearly stating otherwise. The sudden loss of this tax refund puts us in dire financial hardship as I do not have employment due to XXXX illness. | ||||||
| 08/31/2022 | Yes |
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| Navient has told me I am behind 2 payments! Interesting enough I made a payment of {$220.00} plus an additional amount which was less than the {$220.00} and am no longer 2 payments behind. Their accounting system is a joke!!! I have made payment to the lender, Navient-some payments were late, but not 30 days late in recent history ( meaning more than 18 -24 months ). I made 12 payments in XXXX and 7 in XXXX through XXXX XX/XX/XXXX. I expect to pay a late fee when paying late. I made 2 payments in XX/XX/XXXX and was told I had missed a payment as XXXX 's payment was never applied to XXXX from the extra XX/XX/XXXX payment. In addition, I was told I had missed several payments previously, did not qualify for the CARE plan, did not qualify for reduced payments in the past when I had made them per Navient or deferred payments in the past when their company had set them up. Also, I have never received a full payment history from this Lender when my loan was transferred to them from XXXX XXXX on XX/XX/XXXX and I am unable to get in contact with XXXX XXXX. In the past Navient would call me as many as 15 times per day when my payment was as much as 1 day late -to the point of harrasment. This was happening during the period of Covid. It became so disruptive to my workday-I was forced to block their calls! Lastly, the account history available does not give a clear understanding of when I am in deferment and when I am not. I believe I am not being properly credited for the timely payment I have made. I have attached this history. I paid a total of {$410.00} on XX/XX/XXXX and XXXX to bring my account current. They claim my payment is due on the XXXX. I have not seen a statement in over a year!!! I don't know my account number, because it is not readily available on the webpage and I do not receive a statement or an email document from Navient so I am forced to enter my social security information to access their website!! Payment history for XXXX and XXXX is below : XXXX {$220.00} XXXX {$210.00} XXXX {$220.00} XXXX {$210.00} XXXX {$220.00} XXXX {$220.00} XXXX {$220.00} XX/XX/XXXX -- $ {$220.00} XXXX $ {$220.00} XXXX {$220.00} XXXX {$220.00} XXXX {$220.00} XXXX {$220.00} XXXX {$220.00} XXXX {$220.00} XXXX {$220.00} XXXX {$170.00} XXXX {$220.00} XXXX {$220.00} Navient is a predatory lender that takes advantage of the system and twists it to their advantage. They have been the subject of multiple lawsuits for this very type of behavior they are exhibiting again and yet are still allowed to be in business and people such as myself are forced to deal with them. We can not just simply go somewhere else!!! Respectfully, XXXX | ||||||
| 03/14/2019 | Yes |
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| After, reviewing XXXX Universitys website, I'm concerned about the sourcing of rankings, outcomes and comparative data. I fear the information is either not correct or is misrepresented and therefore misleading prospective & current students. {$110000.00} in Student Loan Debt : For example, XXXX University markets itself as an affordable, first-generation student friendly institution. Yet, I left with an excess of {$110000.00} in student loan debt. My parents ( who did not attend college ) were willing to pay for {$20000.00} of it, leaving me with a monthly student loan payment of {$1100.00} from XXXX while living in Washington, DC making {$38000.00} a year ( a company XXXX XXXX, CFO directed me to ). The response from the finance office my senior year was Oh wow, thats a lot. Youre not going to be able to afford that in this area ( this area being XXXX Pennsylvania ). Unfortunately, Im not the only one. XXXX XXXX, who is featured in the XXXX XXXX segment below, shares a similar fate. Link to XXXX XXXX : XXXX : XXXX Strong Ties to Predatory Student Loan Lenders : Yet XXXX continues to promote affordable degrees that are friendly towards first-generation college students. XXXX Board of Trustees also share strong ties to Navient and Sallie Mae who issued me loans with interest rates from 8 % to 12 %. I find a conflict of interest between the Board of Trustees who are driving XXXX students to take out high-interest loans with private lenders. Link to XXXX XXXX XXXX : XXXX Board Member and Former Executive of Sallie Mae and President of the XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX serves as chairman of the board of XXXX XXXX XXXX , formerly XXXX XXXX XXXX and is a member of the Governance Committee. He is president and CEO of XXXX XXXX XXXX XXXX, based in XXXX XXXX. He is a retired partner of the XXXX-based law firm XXXX, XXXX XXXX, a former executive vice president of Sallie Mae Inc., and the former executive vice president, general counsel and secretary of XXXX XXXX XXXX. My Goal : My ultimate goal is to provide a voice for those who have been financially disadvantaged by an institution of higher learning who markets themselves as affordable and accessible to first generation and minority students. I'm aware that this is a systemic issue among small, private liberal arts institution who are struggling to find " their niche '' in the competitive higher education market but issues such as transparent marketing tactics and the unwillingness to address student financial literacy need to be confronted. There are better ways to handle this situation and I hope XXXX chooses to be on the right side of history. | ||||||
| 10/18/2017 | Yes |
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Web | Servicemember |
| Good afternoon, this will be my XXXX complaint against one of the most dishonest and untrustworthy companies I have ever dealt with, NAVIENT. I am a XXXX United States XXXX and a single father of XXXX children. Due to my divorce I filed for chapter XXXX bankruptcy on XXXX XXXX XXXX and was XXXX in XXXX of XXXX. I forebeared/deferred all of my federal student loans with no issues including the federal student loans serviced by Navient. The issue I am having is that in XXXX of XXXX I received a letter from Navients collections department stating that the Private student loan that I have through them is currently in default. I was completely unaware that I even had a private loan from them, when I enrolled at XXXX XXXX XXXX in XXXX I requested only federal loans and not to involve me in any kind of private student loan. The original balance was XXXX dollars give or take and is now over XXXX dollars. They never offered me any kind of help or rate reduction while on XXXX XXXX as my federal loans have. I am completely fed up with dealing with this company, on XXXX XXXX XXXX I submitted a complaint and it was referred to XXXX of their so called customer advocates I did not receive any kind of response to the complaint until XXXX XXXX XXXX. They responded only after I was forced to agree to their payment terms to avoid them garnishing my wages. I am dissatisfied with their customer service I was spoken to by their representatives rudely and disrespectfully as if I were a XXXX XXXX XXXX, I wouldnt talk to my dog the way they spoke to me. I never received any kind of correspondence or any kind of notification that my loan was in default until I received the default letter from their XXXX department. I have been making payments for XXXX months now and they refuse to reflect those payments on my credit report. I have lost XXXX home loans because of this dishonest behavior by them. If I had known ahead of time that the loan was behind I would have dealt with it before it got to this point. I also would like to know how I can be held responsible for a loan of which the promissory note does not have my signature on it. I requested a copy of the promissory note that has my signature on it and what I received was a promissory note with my name written in regular hand writing not my signature. I do have examples of my signature from that time period. CBFP I would like to know if there is anything you can do to help me out or if I am going to have to refer this issue to an attorney? How is their behavior legal? I will also be submitting this complaint to the XXXX XXXX, the better business bureau and anyone else that can do something. | ||||||
| 03/11/2017 | Yes |
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| I attended XXXX College in XXXX Ky, XXXX XXXX ( Closed Now ). I started in XX/XX/XXXX through XX/XX/XXXX. I have already signed up for lawsuit against XXXX College through the Attorney Generals office. They told me to contact your office ... After spending 2 years to receive my XXXX Degree in XXXX at XXXX College an after attempting to pass the Certification Test that you must pass to get a job and costing XXXX to do so i did n't pass how amazing considering that XXXX admitted to having teachers teach that where incompetent. My degree is worthless I have lost 2 years of my life for absolutely nothing. My loans are with Navient, Navient sent me a letter XX/XX/XXXX to inform me that I may be eligible for a discharge because XXXX is closed. I sent them all the paperwork I had explained to them how XXXX treated their students, how I did n't think i should have to pay a loan off when the school admitted to having teachers that where incompetent how, XXXX would have XXXX separate classes in XXXX room, i did my internship filing for a company for 90 hrs, never once did any billing or coding, they did n't care, they would keep your money so you would have to buy their books i was lucky enough to be able to rent mine and you would have to ask for your check daily, they tried to make us pay a fee called tuition options an if you did n't pay they would threaten you with having to drop out of school i personally spoke with XXXX XXXX, president of XXXX, about this fee I told him it was illegal what he was doing and I was never contacted again about this so called tuition options fee. And a lot of people paid this not knowing the truth. On XX/XX/XXXX I received an email from a teacher at XXXX letting me know they had extra training classes if I wanted to attend, yeah they could n't teach me right the first time I was n't stupid enough to go back, I figure they offered these because they knew what they had done.. Also they charged me (. cash only ) to test out of a computer class instead of using my loan money. XXXX is horrible and they should have to pay the government back and myself an other student loans should be discharged. Its disgraceful why would the government keep giving money to a school that was being sued??? My XXXX teacher talked about her personal life more then taught. Accounting teacher had her back to our class 95 % of the time..Needless to say Navient denied my discharge due to school closing after lawsuits because of some 120 day period. I hope you can help us all ... I am not in collections or behind on payments as of now. Naient told me i dont have to start paying until XX/XX/XXXX..Hopefully I wont have to | ||||||
| 09/29/2016 | Yes |
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| I called Navient in XXXX of 2016 to find out if I needed to submit additional documents for the In School deferment and I was told by the associate that everything was fine there was nothing else that I needed to do. I asked her if she was sure that there is nothing else that I need to do because I received a letter stating a payment is coming due in XXXX 2016. She said I see your letter you submitted with your graduation date listed and once your school reports that you are enrolled full time for this school year it will update the in school deferment on your account and everything will be ok. Well I received another letter in XXXX XXXX this time it was a statement/invoice for XXXX 2016. So I called back to find out what is going on with the in school deferment. The associate said Oh I see the problem you have used your 48 months and we can not process your in school deferment. I said what? I need to speak to a manager. I told XXXX that this does n't make any sense because it was never communicated to me by phone or in writing that I only have 48 months for a in school deferment and that I have used my 12 month forbearance. I said most degrees take longer than 2 years and I have n't used a forbearance. She had no response for most degrees taking longer than 2 years and she said when this loan was with XXXX XXXX you used those months. I said XXXX XXXX ... they were just in trouble for their unlawful practices and were allowed to start all over again after selling off my loan and I cant start over. I told her this is not right and it has to be against law. I asked her to walk me through where I can find the disclosure of these shoddy practices online and confirm where it is documented that this disclosure was mailed to me? She said I cant because it is not online and nothing was mailed to you or included on your statement. So then I asked her how would I know that I am not eligible for a in school deferment and who in there right mind would sign up for a two year in school deferment only when we know most degrees take longer than 2 years? She did not have a response. I told her I was disgusted and disappointed with XXXX XXXX and Navient for these unlawful ( and unethical ) practices and that I would be filing a claim with everyone that I can. She apologized and offered to reduce the payment and said it will not be effective in time for the payment due in a few days. I said since this does not directly affect you of course you do n't care ... because you get your paycheck from them! I also said you know this is not right she just apologized again and said she would process the monthly payment reduction request. | ||||||
| 01/19/2016 | Yes |
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| I graduated from Tennessee XXXX University ( XXXX, TN ) with by XXXX degree in XXXX. I later graduated from the University of Louisiana at XXXX ( XXXX, LA ) in XXXX with my XXXX XXXX degree. XXXX these degrees were funded by student loans. I was able to consolidate a large portion on my federal student loans with no issues through XXXX. However, I have experienced extreme difficulties with repayment of my private student loans and bringing them current. These private student loans are serviced through Navient. These loans have doubled over the years as the interest rates range from 15.25 % to 9.25 %. These loans went into repayment status in XXXX of XXXX. At that time, I explained to Navient that I was unable to afford the {$1200.00} monthly payments that they were requesting and I paid what amounts I could each month. In XXXX of XXXX, Navient began reporting my private student loan account delinquent to my credit. I called numerous times in order to request a more affordable payment plan. Each time I was asked several questions about my finances, savings accounts, and retirement pension. These calls often ended with me being yelled at and even threatened with legal action. Finally, in XXXX of XXXX Navient sent a letter to a relative 's home stating their intention to seek legal action against me in order to collect money. On XXXX XXXX, XXXX, Navient finally agreed by phone to lower all of my private loans with them to a temporary 1 % interest rate and a monthly payment of {$420.00}. That amount was still out of reach of my budget however I agreed after being told that my accounts would be forwarded to an attorney for legal action the following day. I requested to receive the terms of this agreement and was told that I would not receive anything in writing until after 3 monthly payments have been satisfied. I called again to inquire about obtaining something in writing and was told similar information. A few weeks later, I received correspondence from Navient that contained a schedule of my automatic payments. I agreed to allow Navient to automatically deduct {$420.00} from my debit card on the XXXX of each month starting on XXXX XXXX, XXXX. However, Navient has continued to report my account delinquent to the credit bureaus. Furthermore, my payments have been applied to interest and fees only, making it impossible to lower the amount of the loan. I also continue to receive statements from Navient that show that I still owe {$1200.00} even after our payment arrangements have been made. In essence, I am paying the agreed upon $ XXXX monthly with a past due of {$1200.00}, essentially increasing the total loan amount. | ||||||
| 06/02/2020 | Yes |
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| I reached out to Navient on XX/XX/XXXX Requesting for VALIDATION, NOT Verification, asking to provide me with competent evidence that I have any legal obligation to pay them. The information I asked for was : 1 ) What the money you say I owe is for ; 2 ) Explain and show me how you calculated what you say I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4 ) The Electronic signature they claimed I signed, however ALL Electronic signatures has this symbol /s/ on the form, which in the case, Navient forged my name on the Electronic signature application ; 5 ) Identify the original creditor ; Pursuant to the Truth in Lending Act and Regulation Z ; 6 ) Provide a verification or copy of any judgment if applicable ; 7 ) Show me the you are licensed to collect in my state ; 8 ) Prove the Statute of Limitations has not expired on this account ; 9 ) Provide me with your license numbers and Registered Agent or Agent of Service ; AND 10 ) The Form ( s ) 1099 -OID ( Original Issue Discount ), 1099-INT, & W-9 of the account : XXXX. Navient ignored my request. They have reported to the three major credit bureaus invalidated information, destroying my credit. I also requested for Accounting, regarding the list of Collateral or Statement of Account, pursuant to The Uniform Commercial Code 9-210. Navient did not give me full disclosure pursuant to 15 USC 1631, including my consumer rights under 15 USC 1635. Navient prevented me from making an informed use of my credit, pursuant to 15 USC 1601. This account has been securitized without my consent resulting Identity Theft, and Theft by Conversion. This action might constitute fraud under both State and Federal Laws. Since they Reporting invalid information on my credit reports, with the three major credit bureaus, I will not hesitate to bring legal action against Navient for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character 4 ) Conversion 5 ) Identity Theft 6 ) Impersonating The United States government, when you're a foreign private Corporation 7 ) Impersonating a Creditor pursuant to The Truth in Lending Act and Regulation Z ; Impersonating a Bank 8 ) Forgery of the Name Navient failed to respond back to my request. Therefore, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. If not, you leave me no choice but to bring a suit against your organization. | ||||||
| 11/05/2019 | Yes |
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Web | Older American |
| In XX/XX/XXXX my husband and I were discharged from chapter XXXX bankruptcy. My payments to navient were subsequently put into forbearance. I was also XXXX at 100 % during this time. This information was made known to navient through an application for XXXX and XXXX XXXX while in bankruptcy. Our bankruptcy attorney also sent a letter to nabi it indicating that it would be overbearing for us to make payments. Navient has a condition whereby if you are XXXX XXXX during loan repayment and in bankruptcy all I would need to do would be to file papers with this in mind. Later in XXXX I received letters from navient indicating that six of the seven loans in my name where paid in full. My husband and I were overjoyed that navient had approved the application for discharge under XXXX and XXXX XXXX. We subsequently stopped making payments on those loans but soon after received calls to make payments! We were concerned and told the representatives ( a total of 21 different representatives were involved in these conversations ) had we had received letters indicating that are loans have been paid in full. After much suffrage in sending copies of the letters, copies of the application for XXXX, letters from our attorney in bankruptcy, and notice of the correspondence received from Naviance, we were then told that the letters were sent in error ; and that we were still liable for the loans! You could imagine our confusion! Who would send letters with the exact loan numbers on them and the correct name and address ( we'd just moved and filled a new address with navient just a few months prior ) if this indeed was done in error! My response was that we were going to adhere to the letters and not make any further payments. Navient kept calling and kept insisting that we we're still liable for the loans. I saw it differently! Now they are telling us then we must have our attorney call to discuss this situation. we admit that one of the lungs was in my husband 's name and he is not disabled however he was in bankruptcy with me. And the other loan was a XXXX loan and could not be included in the letters that were sent, though it was! also, we were told that because my husband was a cosigner on one of the loans in my name, that he would then have to pay if indeed the loan was discharged. that doesn't make sense because if a loan is paid in full why would that be anything left over for him to make payments? Please look into this issue and direct as to where we should now turn! We appreciate the time you give this situation! And we are willing to go ahead with a suit if there is no other way to come to and honest solution. Thank you! | ||||||
| 03/07/2017 | Yes |
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| I have been in the IBR repayment plan for probably a few years now. In XXXX of 2016, I reapplied and only received a response from Navient in XXXX, 2016 that my application was received. I did not receive any other correspondence from them until last week when I received a letter with a payment booklet stating that my payment would begin in XXXX in the amount of just under {$800.00} per month! I called to inquire about the status of my application and was told that my application was rejected because a " box was incorrectly filled out ''. Again, I never received any notification of this. I asked if I could amend the application and was told that I would need to reapply and that my account would likely go into default in the meantime. This has happened every single time that I have sent in any application to Navient. It either is not processed, lost, or claimed to have not been received. Additionally, I have previously requested ( I believe from XXXX XXXX - before the account was transferred to Navient ) verification of the debt, including all signed promissory notes, and a full accounting of original debts with all fees and interest detailed. I have never received that information. I would also like to add that I have been completely mislead about these loans from day 1. I was never explained anything about the interest rates, loan terms, repayment options or anything of the like. This trend throughout the life of this alleged debt has not changed. Supposedly, my initial borrowed amount was around {$22000.00}. It has now escalated to {$65000.00}! In previous years, during financial hardships, I was never offered any other option other than request forbearances and deferments. With that, I was not relayed that interest would accrue, or the rate at which it would. I found the IBR program on my own. It was never presented or offered to me. I was never informed that any interest would accrue while in the IBR plan. I sent an inquiry to Navient a week ago asking what I need to do to reapply, but ( as usual ) have not received a response. I am so furious and confused that the original ( alleged ) amount borrowed of $ XXXX has now escalated to over $ XXXX, which includes a recent addition of {$9000.00} in interest! This makes no sense, and in my opinion, is absolute robbery! What can be done to improve the communication with Navient? What can be done to make these loans more affordable? With student loan debts surpassing credit card debt at over a trillion dollars, this is a crisis that needs better options that the ones available - and definitely a better loan servicer, with two-way communication - other than Navient. | ||||||
| 08/12/2022 | Yes |
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| I have been struggling to make payments on my Navient private student loans, which were taken out between XXXX and XXXX for my XXXX education and thus have the typical high and variable interest rates forced upon students who needed private loans to fill gaps in their educational financing before the recession. I am a XXXX student who makes $ XXXX on average with my position as a XXXX XXXX. Navient only offers 5 years of forbearance for XXXX school. However, my XXXX program takes on average 7 years to complete. My current monthly payments of around {$540.00} are completely unaffordable with my salary, and they will continue to be unaffordable until I XXXX in XXXX years. I have called and spoken with Navient officials numerous times since my loans went back into repayment to try to figure out how to lower my payments. Since I have " maxed out my forbearances, '' the only option Navient continues to offer me is a 6-month short-term interest-only repayment plan. While these payments were initially affordable at around $ XXXX, they have continuously increased alongside the LIBOR rate and have become unaffordable. Today, I called with the intention of scraping my bank account to make the {$380.00} interest-only payment I was quoted two days ago on XXXX XXXX, only to find out this payment has increased to {$390.00} with today 's LIBOR rate and is now unaffordable. Despite giving several financial statements to Navient which have clearly shown I can not afford these payments, Navient offers me no other options. I have kept my account current with Navient for the past 14 years. Even during 2 years when I was a XXXX XXXX volunteer and making $ XXXX, I saved enough and emptied my savings to make on-time payments. I calculated that I've payed around $ XXXX to Navient over these 14 years, only to see my balance increase from $ XXXX to $ XXXX. Because of these payments, I have no savings, a $ XXXX balance on my credit card, and more public loans as I need to take them out to afford to live while making private loan payments. I have shaped my whole life in order to afford my student loan payments while still acquiring my XXXX. I have no car, the cheapest possible studio apartment available in the city in which I live, and yet still I am struggling to survive. I have no idea, if I didn't have this debt, if I might have aspirations to own a home, get married, or a family. I only know that Navient has shown me that those dreams are impossible. What is Navient gaining by scraping every cent that I own? Yet I am the one who contemplates XXXX. I know I am not alone in this struggle with predatory private lenders. | ||||||
| 02/14/2017 | Yes |
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| I filed for a discharge with XXXX once I terminated my classes due to the fact that I was not employable in the XXXX field due to my XXXX and XXXX XXXX. Once I was told I would not qualify for any employment I immediately resigned from my classes @ XXXX University. XXXX XXXX told me I needed to file a discharge based on failure to benefit when I did they refused my application and wanted me to put a different school, aa school I never attended. Then I was told to file a discharge based on school closure. Because I attended XXXX and it changed to XXXX. And personally I would have never attended XXXX College and was not attending an XXXX College due to the fact their diplomas and certificates were not vaild any where. After I filed, XXXX XXXX refused to accept my discharges kept telling me the school info was not correct and I explained to them I never attended XXXX, That was not the name of the school I signed a contract with and I never stepped foot in the doors of the school once the name had changed to XXXX. Also I noticed that XX/XX/XXXX it stated I went to school again, I did not apply to go to school nor did I sign up for school or attend school XX/XX/XXXX. I moved to XXXX XX/XX/XXXX I have tried disputing this charge for long time Navient and XXXX XXXX keep claiming that it is mine nd I told them I NEVER went to school or attended classes XX/XX/XXXX. I have also conteacted The Dept Of Education Obudsman and did n't receive any help there. So now I am being informed that years ago I should have been offered the repayment plan based on my income, and I was never once offered that plan. they just kept sending me to forbearance and deferment, after telling them I was on SSI and had no other income due to my XXXX, If the law was based that I was eligible for the student loan repayment and then forgiveness based on ability to pay I would n't even have these loans. So now my loans are inflated with ridiculous interest charges, I cant get no credit due to my debt to income ration because of my student loans. Then I found out they took it upon their selves to consolidate loans. and when I asked for a promissory note they could n't provide one from XX/XX/XXXX when I applied for school at XXXX. But instead they sent me something from XX/XX/XXXX that I never seen. So I am looking for help to either discharge my loans, get into the payment plan based on income, and get rid of all those interest charges, I am willing to negotiate based on the original amount before I was blind sighted by highway robbery and thievery from XXXX XXXX and Navient. XXXX XXXX XXXX University ( XXXX Colleges ) for Online classes thru XXXX. | ||||||
| 01/20/2016 | Yes |
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| Dear President Obama, and CFPB : I am writing you to plead for assistance. XXXX individuals like myself are facing a student loan crisis and although we are hardworking people we do n't earn enough to eat. Two and a half months ago I obtained employment after being laid off and unable to find work. Prior to XXXX 2016 I was residing on the streets and utilizing food kitchens to eat. Last month I began receiving calls at work from the Student Loan Collection Company General Revenue Corporation and as a result was put on verbal notice by my employer that any further collection call at work and I would be terminated. I informed General Revenue Corporation that I just began work 2 months ago and did not have the funds to pay them. On XXXX/XXXX/2016 I received notice that my wages are going to be garnished. I was informed by General Revenue Corporation employee XXXX XXXX that they did not need court permission to garnish my wages and it would be going into effect immediately. I currently make {$16.00} an hour and after the state takes my retirement, federal, state taxes, and health insurance I take home about {$1600.00}. After being homeless for quite some time I finally obtained an apartment in which I pay {$700.00} a month and {$200.00} in utilities. I am currently on payment plans with the Internal Revenue and State of Arizona for messing up on my taxes while I was homeless. I owe over {$50000.00} in student loans. The loan with XXXX/General Revenue Corporation is XXXX of XXXX student loans. The payment for the first Navient loan is {$320.00} and the second Navient loan is {$110.00}. The {$200.00} I have left does n't cover my food for the month because I use the money to put gas in my vehicle to get me to work. I currently do not make enough money to pay living expenses and all my debts. I am an example of the working poor. I have a job but do not have money to buy food. I do not qualify for state assistance anymore because I work and they do not take into consideration that I have many people in the process to garnish my wages or the bills I pay. When the garnishment from General Revenue Corporation goes into effect I will have to quit my job. I will not have money left to put gas in my vehicle to go to work or pay for any necessities. I will essentially be working for free at least when I was living on the streets the state was willing to provide me with medical coverage. I know that there are XXXX people like myself who do n't have money to eat because of their student loan debt. We have no options and nowhere to turn. I am requesting assistance. Warmly, XXXX XXXX Cc : Presiding Judge over case # XXXX | ||||||
| 07/05/2016 | Yes |
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| XX/XX/XXXX I cosigned for a student loan with the lender Navient, address : XXXX XXXX, XXXX PA XXXX, telephone XXXX. It appears they have done negative reporting on my credit report but never once notified my of payments not being late or delinquent. I attempted to apply for a car loan and learned I have delinquent reporting on my Experian credit report. After receiving a copy of the report I learned it was reported by Navient for XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Apparently the primary fell behind on her payments for which Navient never notified me. I contacted Navient on XXXX XXXX, XXXX ( spoke with XXXX XXXX XXXX ) who confirmed the late payment and then took a payment over the phone from me in the amount of {$95.00} ( conf # XXXX ) which she claimed would be bring the account out of delinquency. I informed her no one ever contacted me and she could not find any record of anyone contacting me either ( via mail nor phone ). I told her I wanted to file a complaint. She said the compliant was registered and gave me the phone number XXXX to call back in 10 days to get a status. From XXXX XXXX - XXXX XXXX I called Navient 's complaint dept and never reached a person, only got a voicemail for which no one ever returned my call. On XXXX XXXX @ XXXX called customer service, spoke with XXXX ( XXXX XXXX ) who had no record of compliant being submitted and said due to a system glitch the {$95.00} I paid back on XXXX XXXX did not process in their system - this they never notified me of either. I asked for a manager and was transferred to XXXX. The supervisor REFUSED to give me Navient 's physical address so that I can send a formal complaint certified mail. I let her know she was being deceitful and not forthcoming. She would not give me the CEO name until I mentioned reporting her for a UDAAP violation. Only then she gave me his name but still would not give me the physical address. The Supervisor XXXX then gave me the POB address for their Customer Advocate Dept to write to them and they will see if negative credit reporting would be updated. I informed XXXX that 1 ) they have very misleading practices that have impacted by credit score, 2 ) they should be notifying me of late payments if they are going to report on me, 3 ) I will report them to Consumer Bureau because they have system issues that do n't process consumer payments and then they report the customer for late payment. This happened twice. CFPB please help me to get Navient to be responsible for their bad practices. My credit reporting should be corrected and I should not be impacted by their bad systems and poor notification practices. | ||||||
| 06/10/2019 | Yes |
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| I have repeatedly requested that Navient provide me with an application for the income based repayment plan. Annually they play a game of neglecting to contact me in any way about the need to reapply. They fail to provide the application to do so. They move me to a standard repayment plan, the monthly payments of which are approximately 1/8 of my annual income. When I call they force me to agree to forbearance under duress, and finally agree to send an application, which they without fail have neglected to do. Then they put me in default for not paying on the loan despite making every reasonable effort to keep my account current. The only barrier to my student loans being current is Navient and its potentially criminal and fraudulent business practices. My last complaint to the cfpb went fully unanswered by Navient. I got some obscure and bizarre letter from the cfpb about the delay in the response but waited and waited and waited for a response from Navient prior to moving forward. Im once again in default because Navient has failed to make an application available to me. I spoke to them again today requesting that an application be sent to me and I requested specifically that due to their previous malicious neglect, that they provide more specific information about when and how it would be sent and that tracking information be provided. I was transferred to a supervisor that refused to listen to anything I said and just obstinately refused to participate in the conversation. He additionally refused to transfer me to his supervisor because he didnt want me to yell at her. I will not ever again be speaking calmly to these people, and yelling is the only thing that will happen when I speak to them. This is directly the result of their refusal as a company to provide the most basic of loan servicing services required of them because Navient prefers its borrowers to be in default. I am done with the games. Please provide any information you can on how to pursue legal action and to have my loans either forgiven or transferred to a different servicer. Navient is deliberately and maliciously damaging my credit and I will not ever again be involved with any interaction between myself and them that is not a part of court records. This is unacceptable on the parts of Navient, the cfpb, and the federal government. Get it together or eat the $ XXXX and growing debt i have. My credit has already been destroyed. I will gladly swap to an off the grid, cash only existence for the remainder of my life and let you spend thousands of dollars attempting to collect a debt that Ive been begging to take care of for years now. | ||||||
| 10/09/2017 | Yes |
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| My student loan, handled by Navient, was eligible for deferment as I am still in school ; the loan was in deferment while I took courses at my local XXXX college, but was abruptly ended when I was entering my 2nd year. I attempted to dispute this, as I should still be eligible for deferment ( my enrollment status never went below half ). The previous term, my deferment status was re-established, but not before I was given a monthly payment charge on my account ( on XX/XX/XXXX, for {$52.00} ). It appears that this month ( XX/XX/XXXX ), they will attempt to do the same thing again with the same amount ( as I am without a job, I have no money with which to pay my previous " late '' charge and upcoming charge, as I have told the company representative who called me through the unlisted number ). My enrollment information is collected through XXXX XXXX XXXX and the National Student Loan Data System. While I am not privy to the information on the XXXX XXXX site, I can see that my enrollment status for this quarter ( on the NSLDS ) is Full-Time, but my emails and my responses to their calls have shown no action on their part that shows recognition of my eligibility for deferment. I thought at first that I was no longer eligible for deferment, but according to their site, I should still be eligible. The main problem I have with all of this is this sentence at the bottom of their page regarding in school deferment requests : " Note that it can take up to 21 days to display your account in a deferred status. However, you wont incur any penalties as a result of this delay. '' As I know my enrollment information is available to them ( through at least one source ), I feel that it is very fishy that they would remove my deferment status, let a charge through, and then reinstate it just to remove it again during the same quarter where I am registered as full time. The phone number they have used to contact me with ( XXXX ) XXXX, is not listed on their site ( multiple people online have confirmed it as one they use for debt collection contact ). While I have no recording confirming this as fact, they asked for my social security number ( most likely for identification purposes ), and then asked if I could pay my debt over the phone, offering credit and debit cards as an option. However, besides the dubiousness of offering my credit/debit card information to someone over the phone, I am required ( on the Navient site ) to give my bank account in order to pay my debt ( give them checking/routing numbers, etc. ) and after looking online, found that apparently Navient only takes payments through cards over the phone. | ||||||
| 10/17/2017 | Yes |
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| Good Morning, So here is my issue I 'm more concerned with how to fix the problem with private loans as I have no issues with the one small loan I have as a XXXX federal fixed rate loan. I graduated in XXXX XXXX and it 's like I 'm paying a second mortgage back ( over $ 40K ) after consolidating years ago on several fixed rated loans through XXXX XXXX, now known as Navient. I wanted one bill instead of several so I made that mistake, I will never consolidate again!! Learned my lesson. I have reached out to Navient multiple times and they keep saying the same option and only option I have. Their forbearance option is a joke!!!! Why would I want to raise my interest as it sits for 4 months unpaid and pay them {$50.00} more dollars to set that plan up!!! Navient is not willing to work with me on anything to get a lower monthly paying and it 's almost up to {$300.00} a month as the interest on this loan as has risen 3 times in the past 3 to 4 months. My husband and I both work FT and very hard but this bill has given us nothing but grief and if it sends me/us into collections and screws up my personal credit we will never be able to move forward in any way, new house, new car if needed, any medical expenses we are trying to pay off etc. We have a house to pay for, cars, medical bills, daycare expenses etc. and two young ones to make sure they are taking care of at Drs. appt., when needed etc. This is making it very difficult for us to keep up with other bills, their daycare expenses, paying our mortgage on time and putting food on the table among other unexpected bills that can occur through the months. I know there are many people, students in this predicament and I feel this needs to be addressed immediately and taken very seriously. I ca n't even transfer this loan to a personal or to another lender if I want to as it 's too much money to pay off anywhere else and I ca n't get a personal loan in this amount, it 's not allowed. The interest rate on this loan has risen at least 3 times in the past several months and if the bill goes up to {$300.00} as it 's already XXXX, I will have no choice but to not pay it as food on the table for our boys and being able to keep our house and have heat from oil deliveries needed is more important. I do n't want this to affect our credit as we hope to move within the next year or two. However, if we lose our home etc. because of them it would be a tragedy and I would be very furious. This is unfair!!!!!!!! PRIVATE LOANS MUST BE ADDRESSED!!!!!! I ca n't stress this enough. SOMETHING MUST BE DONE BEFORE THEY DESTROY MY LIFE AND SO MANY OTHERS!! Sincerely, XXXX XXXX XXXX | ||||||
| 12/10/2018 | Yes |
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| My student loan was bought by Navient along with the majority of student loans sometime in XX/XX/2013 I believe. I was contacted by them to start making payments. I couldnt afford it at the time having a job that barely paid my bills as is. They requested I go for Student Loan Forgiveness. Which I did and made several payments following which is what they requested. I didnt hear from them for 2 more years. One day I decided to look into it and as it turns out they had been sending me letters and emailing me about having to make payments. However, they had the incorrect address of where I lived ( house number was off by 2 digits, very strange almost like they changed it so I wouldnt see it ). My email address they had on file was also incorrect. Low and behold, my loans had defaulted and gained copious amounts of interest. After dealing with 20 minutes of machines I finally reached a representative. They had no idea why that happened and they requested I take a break from payments with financial hardship. I signed up for that not knowing that my loan would continue to accrue interest and raise it even higher. I did this twice before I realized that was happening. I called and expressed my concern and they explained to me how to enroll in the Income Driven Repayment plan. After a week of dealing with mailing my information, talking to reps, and figuring everything out, I was finally able to apply. I made modest payments for awhile and then was notified I would have to reapply every year I wanted to do that program. They made it EXTREMELY difficult to reapply and gave poor customer service as to how I could continue to use the program. The representatives were rude and I was transferred several times to figure out what I needed to do. After 2 weeks I finally just sent them the information they requested and am waiting on acceptance. The normal payments are half of what my rent costs every month and I dont understand how anyone in my situation is expected to pay that much every month. So now Im paying through income driven repayment and it barely covers my interest rate. Im dissatisfied with the customer service and overall handling of my loans with this company. I wish I was with someone else that could actually help me get my loans under control. Although, thats not likely to improve with anyone else. In a nutshell, my only option is this : You cant afford the outrageous payment every month? Ok we will cut it in half but youll be paying your loans quadruple what you pulled out in the first place something needs to be done about the student loan problem millions of Americans my age in this country face. | ||||||
| 10/14/2016 | Yes |
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| Navient began calling me several months ago, saying that I had a payment due. I knew this was not the case as I did not graduate until XX/XX/2016 ( XXXX until that point ). I was told they were contacting me on behalf of XXXX XXXX as my account was in collections. So, I contacted XXXX XXXX directly. I made sure they had my enrollement verification on file and that all was well. However, Navient kept calling SEVERAL times a day - both me and my mother. On average, they call my cell phone 7 times per day, my mothers cell phone 7 times a day, and her office 5 times per day. Sometimes a few more times, never any less. I started ignoring the phone calls as I was told by XXXX XXXX that I did not owe them any money. Navient began leaving voicemails for both myself and my mother each time they called. The voicemails always last at least 30 seconds, but there is never anyone talking, all you can hear is background noise ( people talking at a distance ). Oftentimes when they called, the phone would ring for about 5 seconds and they would just hang up. At this point, I began to suspect that it was not actually Navient trying to contact me, but someone attempting to steal my identity. What credible company does things like that?? At one point, I answer their call, and they tell me they are calling on behalf of my federal student loans and that I was delinquent and needed to make a payment. I knew this was not the case, so I hung up immediately. Today, I decided I had finally had enough. I called Navient and spoke with someone, demanding they explain why they had not stopped calling me. It turns out that Navient purchased one of my loans FROM XXXX XXXX, THEY WERE NOT CALLING ON BEHALF OF XXXX XXXX AS THEY HAD TOLD ME IN THE FIRST PLACE. After being transfered to speak with a supervisor, I told him I had no idea what had been going on as I had been misinformed by several of Navient 's employees in the past. I told him I would upload my enrollment verification form immediately so that I could use up the rest of my grace period. The supervisor then told me that it was too late and I was no longer entilted to the grace period and I had to make a payment at that exact moment or else my delinquincy would begin to show on my credit and my mothers credit ( she is the cosigner ). I insisted that I knew I had a legal right to 6 months grace period, starting at the moment that I was no longer a XXXX. His tone and words began to change slightly, but told me that I would need to call back in an hour after I had uploaded the verification form to see if they would be able to complete the request in time to avoid credit reporting. | ||||||
| 04/24/2022 | Yes |
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| I was in college XXXX. I was advised to consolidate my loans and they locked me into an 8.25 % interest rate. I struggled to pay my loans after college, I was advised to go into economic hardship forebearance for 3 years. I was also then advised to go into regular forebearance for 3 years. I was in forebearance for 6 years. NO ONE at Sallie Mae or then it became NAVIENT ever explained to me that the interest that accrued would be added to the PRINCIPAL of my loan and then I would get charged 8.25 % on that even higher amount. " CAPITALIZATION '' is what it was called and I never knew what this meant or the detrimental effects it would have on my loans. My loans started at XXXX and are now {$230000.00}. This is ridiculous. I will be paying these until I die. Sallie Mae and Navient had predatory practices to me with my XXXX loans that they locked me into 8.25 % forever. These loans were further complicated because I could not afford to pay them or keep up with my credit card debt after graduation. I was being sued by XXXX so I was forced to declare bankruptcy. I was told that my loans were not eligible for bankruptcy discharge. The judge ruled that I was not eligible for Chapter 7 to have my credit card debt wiped, but that I must declare chapter 13 and PAY all the XXXX in credit card debt I owed. The IRS put all of my student loans into forebearance again and forced me to pay off my credit cards over a 5 year time frame. The credit card companies were also predatory. XXXX especially. They came to my college campus in XXXX and teased us with free XXXX XXXX tshirts to get a credit card and then gave all of us HUGE spending limits. All my friends did the same thing I did. I had NO parental help in college, I was struggling to make it myself. My parents refused to support me financially. I had 2 jobs the entire time in college. So my student loans were in forebearance for several years. I was a victim of predatory practices by Sallie Mae/Navient as well as XXXX. The banks have ruined my life. They locked me into 8.25 %. I never understood that I have private loans -- and someone explained to me that I could switch them over to Federal loans and then I would be eligible for more benefits. I did this and sadly it STARTED OVER my payment clock. So ALL the payments I made do not go towards my XXXX Also, because I graduated earlier, I am NOT eligible for the newer XXXX plans. This is ridiculous. This system has failed me over and over again. The banks have ruined my life. The banks have had a XXXX XXXX XXXX XXXX for all these years. I request a review of these issues and some kind of hopeful relief. | ||||||
| 10/05/2018 | Yes |
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| In XXXX of XXXX I reapplied for a rate reduction program that lowered my interest rate to continue a monthly payment I could afford. In XX/XX/XXXX I lost my job and was accepted into an XXXX XXXX so I could begin an effort to seek more lucrative employment. When I realize I would have to temporarily stop payments due to having NO MONEY coming in, I called to request a pause. The representative on XXXX XXXX told me that not only would they NOT pause my payments my rate reduction plan was ending so my payment would increase and I would only be able to call back the following month to even re enroll in the program, leaving me subject to a higher payment. I requested the amount of the higher payment and due date but was denied that information and told to call back. I had two autopayment verbally authorized monthly that I was trying to make sure were no longer in play on this XX/XX/XXXX phone call and was repeatedly told to call back to do anything. On XX/XX/XXXX, Navient illegally cleared out my checking account for a payment of {$700.00}. My previous authorization had only been for theXXXX of the month for two payments of {$60.00} and {$310.00}. Under no circumstances did I agree to pay {$700.00} via auto payment on the third of the month. Additionally, when I called on XX/XX/XXXX, I was asked yet again, for above the XXXX time, for my co-signer who died in XXXX. Upon his death I immediately submitted his death certificate and all required information. I supplied this information 3 different occasions and their continued ask and incompetence regarding this issue continues to create emotional stress each time. When I requested a refund I was told the process would have to be reviewed because my account was technically delinquent, despite having set up payments that I could afford ; NO MENTION OF INCOME BASED REPAYMENT, and flat out denial of pausing payments. Dealing with this company has continued to cause me undue stress while I have made every attempt to continue to pay despite my financial situation. I have been threatened with default, despite consistent monthly payments for years ; I was also told by the collections manager, XXXX XXXX who reports to XXXX XXXX, that I agreed to higher payments at the end of the rate reduction program or they wouldnt have enrolled me. I was not given a single chance to communicate my income changes and I did not authorize any direct debit from My account aside from the two amounts on the XXXX of each month. They have illegally taken my money and are trying to blame me for it despite my continued efforts to contact them. PLEASE HELP, these people are vultures. | ||||||
| 01/28/2017 | Yes |
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| I cosigned a private loan through XXXX to help my step son get a secondary education ( contingent on not having any financial responsibility for the loans ( My step son, his mom and his dad agreed to this ) ) XXXX transferred the loan to Navient to service. Upon graduating from college my step son did not make enought money to cover the monthly payment for all his Federal and Private student loans. In XX/XX/2012 we contacted XXXX/Navient to set up an income based payment plan so that he himself could afford to make the payment each month on time without undue hardship. XXXX/Navient refused and would only offer to allow him to make interest only payments for two years. Feeling that there were no other options he ( with the help of his Mom and Dad ) complied and they collectivey made interest only payments on time each month for two years. My step son has always had a job, decent credit and was making the payment on time each month. He requested XXXX release me as the cosigner for the loans - they denied his request citing he did not meet the requirements but they would never disclose what the requirements were not met. After the interest only two year period was up the monthly amount due doubled. We made several request to Navient to lower the payment to something management that my step son could afford to pay each month with undue hardship. Navient took income statements from both of us on more than one occassion and then declined to lower the payment again. My step son and his father stopped making payments which forced me to liquidated assets and take on a part time job to keep up with the high monthly payment. My step sons mother and I made sure the payments were made on time each month for 2 consecutive years as required to release a cosigner. My step son submitted a request to lower the payment and have me released as the cosigner again and that request was denied again. I lost my part time job and could no longer afford the monthly payment. Navient refused to work with me to make an affordable monthly payment arrangement I fell behind and XXXX of the XXXX loans is now in default. As the cosigner I was investested in ensuring the loans were paid on time each month to protect my credit. Navient demanded an unaffordable loan payment each month, I advised them of my financial situation yet they were unwilling to work with me on any level. They began calling me daily sometimes up to 7 times a day demanding payment and threading to sue me. Navient used deceptive practices by denying us an income based repayment plan. Now XXXX of the loans is in default the other is on its way and my credit is ruined. | ||||||
| 01/23/2018 | Yes |
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| I borrowed money starting 15 or more years ago to attend the XXXX College of XXXX XXXX and transferred to XXXX College to pursue a XXXX XXXX. I became unemployed in XX/XX/XXXX resumed the effort to finish my XXXX XXXX and that is when I borrowed the funds to finish the degree. I was XXXX years old and unemployed and felt this was my best opportunity to keep myself employed and able to pay my bills. I graduated in XX/XX/XXXX but remained working temporary jobs and or permanent jobs as an XXXX XXXX and also experienced layoffs and down sizing making it very difficult to pay the student loan bills. I was offered deferments and forbearances that only increased the loan debt to an incredibly high loan amount that I find impossible to pay. I was never offered an affordable payment until the loan balance more than tripled and now Navient is saying I have to pay 10 % of my earnings. At age XXXX this has caused a financial burden, reputational harm and much stress and XXXX of how this is going to affect the rest of my life. I in good faith went to school with the promise and chance for a better opportunities for employment and not rely on state aid. I was never offered an income based payment option and have attached my social security wages from my entire working history to show I really have not had sufficient income to pay these loans. I still live paycheck to paycheck and will never get this debt paid in my lifetime. I believe this to be predatory lending, unfair lending practice and this loan structure has caused intentional harm to my livelihood and any future financial security. I need assistance in having this loan reduced to the original loan amount and credit for the years I have tried to pay this off. This financial burden has been nothing but a nightmare. I went to school part time for over 13 years while working full time part time and many times two jobs and keeping up with class work. The financial aid at the school processed all the paperwork with the FAFSA form and each year even the bill for the minimum of six credits was several thousand dollars. I need assistance with this as I am overwhelmed with high payments and financial consequences for the rest of my life. I have attached what I paid last year which is about {$2000.00} and yet these loans are not in good standing and adversely affect my credit score once again. All of my credit is in good standing except this and I need assistance in getting this loan amount to one that is within the original amount and therefore affordable. I need help as these are not affordable on my week to week paycheck. Please provide me with some assistance. | ||||||
| 05/31/2017 | Yes |
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| To Whom It May Concern : O n XX/XX/XXXX I got a letter in the mail from XXXX XXXX at the time that notified me that I had been approved as a cosigner for my cousin for {$4500.00}. Who was going to college in XXXX , XXXX to become a XXXX XXXX . I told my cousin at the time that I normally do n't cosign for anyone for anything. She came to me as a last result because her mother could n't cosign for her because her bad credit. She needed this loan to help her finish getting her degree. I told my cousin that I live on a fixed inco me ( SSI ) fr om month to month and that I value my credit history. That I would agree to be her cosigner only if she paid her loan payments every month on time. That she would n't do anything to mess up my credit while she was paying off her student loan. Since XXXX XXXX XXXX sold my cousin 's account t o Navient. I ha ve also had a child in XXXX who has special needs so I really stay on top of my cousin paying her loan payments. For the past 2 months my cousin has been late on her payments or have n't paid her full payment but paid something on what she owe. My cousin in the past has been normally very responsible about paying her bills. Each time Navient call me or mail me something. I call or text my cousin and sometimes even send her picture text o f letters of Navient threatening my credit and turning account over to collection agencies. I ask my cousin is there anything going on with her finances and t hat Navient offers deferred payments if she needs help or to just call them and make a payment arrangement . Navient has been harassing me for a little over a week now. Navient calls my home phone everyday even on Saturday and Sundays. They call back to back up to 7-8 times a day everyday, as early as XXXX XXXX XXXX XXXX XXXX and as late as XXXX XXXX XXXX XXXX XXXX . I have talked to Navient representatives a few time when they have called so much and explained this same situation to them. They tell me that they 'll stop calling me and give me enough time to talk with my cousin so that she can make a payment but they do n't. Some of Navient representatives have had nasty attitudes, have been pushy, and unsympathetic. Navient ha s been threatening on the point of blackmailing when it comes to reporting this on my credit history and turning it over to a collection agency. I 'm trying to keep anything n egative from Navient fro m going on my credit report unnecessarily. I pay my own bills on time and I need my credit to stay in good standing in the event I need to get something for my child who has special needs. | ||||||
| 06/07/2016 | Yes |
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Web | Older American |
| Submit a student loan complaint We 'll forward your issue to the company, give you a tracking number, and keep you updated on the status of your complaint. What happened? Desired resolution My information Product information 5.Review What happened [ Edit ] Describe what happened so we can understand the issue ... Navient has been calling me and mailing letters. Additionally a letter that indicated negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Apparently, I tried to refinance my condo, but Navient affected and damaged my credit rating. I am retired, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. Subsequently, my credit rating was good, but Navient damaged it only to intentionally prevent me from obtaining other loans. Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Dealing with my lender or servicer : Received bad information about my loan Desired resolution [ Edit ] What do you think would be a fair resolution to your issue? Navient forgive borrower and cosigner of all student loans due to the hardship that I had to endure and the difficult problems I have had with them. Navient repair credit scores which they reported to the credit bureau. Navient stop calling and harassing me day and night. My information [ Edit ] Contact information Mailing address XXXX XXXX WA XXXX United States Email XXXX Phone XXXX Age XXXX I am submitting on behalf of Myself Product information [ Edit ] Billing address is the same as mailing address. Account/Loan number or SSN XXXX Information about the company Navient Corporation Navient has been calling me and mailing letters. I also received a letter that indicates negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Subsequently, I tried to obtain additional education loans and also refinance my condo but Navient affected and damaged my credit ratings. I am retired, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. I have had good credit ratings, but Navient damaged it only to intentionally prevent me from obtaining other loans. | ||||||
| 11/07/2018 | Yes |
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Web | Older American |
| I have about 12 student loans because my daughters and I were in school together. So I also have Parent Plus Loans. We all graduated and we are either in deferrment or are actively paying the loans back. My oldest went to XXXX XXXX in XXXX, MA and my middle daughter went to XXXX XXXX XXXX and then XXXX XXXX. I went to XXXX XXXX XXXX I was in EBR with Navient last year, not including the Parent Plus loans. This year recertification has to be completed I believe by XX/XX/2018. I called Navient to say I did not want this upcoming EBR to be based on my last year 's XXXX tax return as I was 1 ) working at the time and 2 ) inherited my parents ' estate.This year I worked intermittently and am now on Unemployment. I have annuities ' income from my parents ' estate which I reported to Navient a month ago, along with several other incomes including Social Security. I was advised by Navient representative if I didn't want to use the XXXX, I am to USPS mail the EBR application and send in all proof of income documents with it. This I did a month ago. Since then Navient has handled the information with lies, inaccurate feedback, withholding of information and just generally trying to make me fail the deadline. I have repeatedly responded with everything they've asked for with the exception of the XXXX, which they want but which I was told I do not have to submit. I keep uploading onto my Navient account inbox response letters and any additional documentation for which they've asked, with the exception of my response to the " requirement for gross income '' letter. The Navient Advocacy Dept. recited it to me on XX/XX/XXXX. It was dated XX/XX/XXXX but was never sent to me. Nevertheless, I sent to them proof of all gross income for everything I reported to them. They have it as of this writing. My income this year is much lower and I am a XXXX citizen with a XXXX adult son so I am trying to hold onto as much money as I can. I have done and submitted everything Navient has required but more than once I have received back a letter stating my loans are not eligible for EBR because they are Parent Plus Loans ... four of them are but nine of them are not! As well, when I requested EBR a year ago, I was told by Navient representative it had been passed to the Dept. of Education and sat unprocessed when in fact it was at Navient and sat unprocessed. I spent months listening to Navient 's lies to me so it could deflect my legitimate request. Finally it was processed but it was as difficult if not more so last year. I have sent Navient about 40 documents so I attached only one of my complaint letters, below. | ||||||
| 09/29/2017 | Yes |
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| Upon graduating from XXXX XXXX School in XX/XX/XXXX, I was repeatedly harassed by Sallie Mae ( now Navient ) regarding repaying my loans. At the time I was still trying to study for and pass the California XXXX XXXX and was unable to find a job. On XX/XX/XXXX they Capitalized Interest in the amount of {$5200.00}. On XX/XX/XXXX they Capitalized Interest in the amount of {$390.00}. On XX/XX/XXXX they Capitalized Interest in the amount of {$100.00}. On XX/XX/XXXX they Capitalized Interest in the amount of {$38.00}. On XX/XX/XXXX they Capitalized Interest in the amount of {$37000.00}. During the times listed above, I was actively seeking employment as an attorney and had no income. Sallie Mae/Navient placed me into forbearance and harassed me with telephone calls regarding repaying my loan. I was scared, intimidated, and discouraged. I had no idea that income-based repayment plans were available. Had I known, I would have immediately entered one upon graduating. But that was n't the case. Luckily, I heard about income-based repayment plans on my own and hired an attorney to help me navigate the system and enroll in one. This was in the late Summer/Fall of XX/XX/XXXX. I had gotten a job in the meantime as well. Furthermore, on XX/XX/XXXX they Capitalized Interest in the amount of {$25000.00}. I had already submitted my IBR renewal and they confirmed they received it and it would be processed on time. Sallie Mae/Navient used a preposterous amount of phone calls to continually pressure me into repaying my loan without an income, placed me into forbearance without giving me the option of joining an income-based repayment plan, and capitalized interest on my loan several times for no reason. My XXXX school ( XXXX XXXX School ) will be closing soon and they are just as much to blame as Sallie Mae/Navient for the nearly {$300000.00} student debt I am in. XXXX XXXX School lied to me about their bar passage rates ( I did not pass the first time and had to re-take the XXXX XXXX 2 days before my wedding ), job placement rates ( it took me 2 years after graduating / 1 year after passing the XXXX XXXX to secure employment as an attorney ), and they lied about average starting salaries for XXXX XXXX School alumni ( they claimed a number near/around $ 70,000- {$80000.00} per year, my first job I was offered {$58000.00} per year ). It is no surprise that XXXX XXXX School is now closing down due to poor student performance. Their entire institution has done nothing but lied to me about my prospects as an attorney - FOOLING ME into taking a 6-figure student loan to pay for their OVER-PRICED tuition. | ||||||
| 11/24/2017 | Yes |
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| **Please note, this complaint was originally submitted under # XXXX through the US mail. Despite sending it return receipt requested and receiving a signature, when I tried to follow up, there was no record of my claim I consolidated all loans in XX/XX/XXXX with a company called suntech. My original promissory note was for {$37000.00}. Under federal statute ( and what I was told my the loan agent ) this was a 20 year consolidation. I never received ANY disclosure to alter the terms of the original promissory note. This loan was sold multiple times. I continued to pay to each and every company as agreed, even paying over the amount for multiple months in an attempt to pay off earlier. Each time, I specified the extra amount was to be applied to principal. In XX/XX/XXXX the loan was acquired by XXXX XXXX. 1 ) they claim the prinicipal amount at the time of acquisition was {$43000.00}. After 10 years of payments, they claim my prinicipal increased from the original promissory note. Despite multiple attempts to show them it is just not possible, they absolutely refuse to acknowledge this. I have sent copies of promissory notes and pages of cancelled checks to prove what i have paid. 2 ) They claim the original consolidation was {$43000.00}, yet they are unable to provide me with any disclosure that would have changed the loan from the binding contract. 3 ) They refuse to give me credit for all canceled checks provided to them, insisting they are only responsible for giving me credit for payments made to them. This in essence negates 10 years of payments and some {$40000.00}. 4 ) They have missapplied multiple payments, often with XXXX going to prinicipal and multiple late fees within the same month. They have also charged late fees when I have provided proof that the check has cleared my bank well within the grace period. 5 ) I have tried every avenue, yet they hold fast to their stand. Every time anyone questions them, they give the same pat answer that they have reviewed everything and they are in the right. They REFUSE to accept any proof of payment made before they acquired the loan and REFUSE to acknowledge that it is just impossible for the principal of a loan to increase after 10 years of payments. They have even gone so far as to request that i no longer " bother '' them with my concerns, they are done explaining themselves. I maintain that the original amount was {$37000.00}, a 20 year consolidation loan and if all payments had been applied correctly ( as shown by attached amortization by a forensic accountant ) this loan is not only paid in full, I have overpaid by some {$3500.00}. | ||||||
| 04/22/2016 | Yes |
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| I have a set of XXXX Private student loans that had defaulted due to my inability to make payments on them. In 2015, I was finally able to reconcile the loans by making a lump sum payment to the loan holder 's collection subsidiary, Navient Recovery as well as arrive at a monthly, automated payment arrangement. I have been making on time, automated payments to the agency for seven months now. I pulled my credit report and much to my surprise and dismay, they continue to report that my loans are in a state of Charge-off and are not reporting that any payments are being made to make good on the debts owed. I contacted Navient Recovery directly regarding this issue and they stated that it is their business practice to decline the reporting of payments on a defaulted account. The representative I spoke with advised that I had my opportunity to make on time payments before the loan defaulted, so as to maintain a positive credit-reporting, eluding to the fact that their business practice serves as an almost righteous form of punishment. She stated that they would continue to report to all of the credit bureaus that the accounts were in a state of Charge-off with no payments being made until the entire amount owed was paid off, an amount totaling more than {$24000.00}. I am paying Navient the absolute most I can afford per month and at that current rate, I will not see these loans paid off for 9 years. This means that for 9 years, my credit will continue to never see the light of day. The negative repercussions of a charge-off in a state of nonpayment are significant. I have spoken with a credit professional and they have confirmed that this will, without relent, drag my credit down and never let it travel above a rating within the " XXXX '' class. The rest of my report shows that I am an individual who has all other accounts and open lines of credit and lending in good standing after having just settled XXXX unknown small medical bills. It seems to me that the practice of reporting that no payments are being made on a debt that is without question being paid on is a fraudulent practice. Outside of being wholly incorrect, it seems to me that this would without question be considered an unfair business practice that will continue to hurt me and my family for decades to come. Can you please clarify, is this an industry standard? Am I nave to think that this seems fraudulent? Do I have any course of action? With a credit rating " XXXX '', I ca n't even take a loan out to pay them to get it out of charge-off, which seems counterproductive and XXXX. I thank you for your time and consideration. XXXX XXXX | ||||||
| 11/30/2018 | Yes |
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| In XX/XX/2017 I was notified by Navient that I was entitled to a deferment on my student loans ( one subsidized, one unsubsidized ) because I had been enrolled half time in graduate classes for one semester. I called to ask how much I would have to pay to avoid capitalizing interest and was given an amount in the vicinity of {$72.00}. I attempted to pay this amount twice but it was returned to me because they claimed I sent it to the wrong address, which I do not believe I did. When I looked at my account history last month, I realized a much larger amount of interest was capitalized than I would have paid if I had made the {$72.00} payment for the six months. Also, the months where payments were not taken from my account were different ( later ) than what they stated were the dates of the actual deferment. I was told that I had been given a " courtesy forbearance, '' and that interest had been capitalized on both accounts rather than just the unsubsidized acount. I assured them that I had never requested a forbearance and asked for it to be removed from my account and the interest charges credited back to me. I needed to speak to several customer service agents and supervisors before I was told that they would reverse the additional interest charges. I calculated the overcharged interest to be in the area of {$800.00}. I was asked to wait 24 to 48 hours to recheck my account. When I checked my account again it looked as if several transactions had been initiated to reverse the charges : one for {$870.00} on XX/XX/17, one for {$810.00} on XX/XX/17, and one for {$270.00} on XX/XX/17. My total balance due before I made this request was {$57.00}, XXXX. I expected to see a reduction in this balance after these credits were made, but instead, my total balance was within {$10.00} of what it had been before ( {$57000.00} ). I called Navient again and spoke to a supervisor who insisted that my balance was valid. I asked how it could be that I was credited this amount of money retroactively and my present balance remain virtually unchanged. She could not provide a reasonable answer to my question but continued to insist that it was valid. She offered to send a declining balance statement going back two years which I have attached. This statement looks nothing like the account history that is on the Navient website and I can not understand how the credits were allocated. Additionally, I do not have a comparison of the declining balance statement before the credits were made for comparison. I would like an explanation of how these credits were made to my account with no effect at all on my current balance. | ||||||
| 03/16/2018 | Yes |
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| In 2004 i took a loan out to attend XXXX XXXX XXXX how ever they made the school sound like they really help you. Wrong they got my money then did nothing to help students find work even while in school. They knew even before I started that I was from a single parent family with my mom on XXXX XXXX. XXXX was one steak people involved in the student finances department. Fast forward to now over the past almost ten years ive taken a pay cut from {$40000.00} under {$20000.00} per year and just this past year i barely made XXXX. As years go by anytime I could Afford to pay I would. There was a period of 3 months of up to 8 calls a day from over 17+ phobe numbers. I explained my income to bills and that i could only afford XXXX per month. I would get emails and letters about new income driven payment plan. Navient and XXXX XXXX customer service use bullying tactics interupt me and talk over me in very agressive tone. I suffer from XXXX and it has only got worse with there excessive and harassing phone calls. Im not lazy im from a low incone family and was only trying to better my life but have been taken advantage of by XXXX and navient. I got bullied into a income driven payment plan or tgey threatened to send my account off abd said they would file a judgement and wage garnishment. Ive told navient I work under 30 hours per week and also work for a XXXX Because the payment was XXXX per month i could not afford to keep up and still pay for the basic to live such as rent utilitys and grocerys. The pwrson who is deaking with my acount in the accounts recovery department was XXXX very degrading by talking over me when i was talking and kept saying this us 14 years old your not going to pay half your rent. I almost hung up as he was so agressive. I layed out what i could do and now he wants me to try 3 different lending companys that i know wont aprove me. Not to mention tey made two settlement offers first on was {$24000.00} and second obe was {$18000.00}. How when I make maybe XXXX a month with no retirement savings nothing! Can I get {$18000.00} in 5 days. If you need copys of phone records i will have those in a week or so. They say they want to work wirh you but they just insult and bullie me. I have 3 weeks of school left to finidh my BA in nutrition science and have wome job leads but i cant force a company to hire me. Im not even sure legally they can collect on debt that old. In wa state debt collectors/navient can only call 2-3 per week or per ay not sure but 7-8 per day is harassment. Ive tried to work with them but its getting to he point where i cant handle the aggresiveness. Please help | ||||||
| 05/04/2017 | Yes |
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| I submit this complaint against my student loan servicer Navient because I am absolutely frustrated at this point and have lost faith in them as my student loan administrator. I would like them to delete all of the derogatory reports on my credit file for loans that are now in consolidation. Over the years I have been in and out of school. There were times that my student loans were reported late while I was in school awaiting an in-school deferment to kick in, or while I was waiting for another type of deferment or forbearance to kick in. When I would call my student loan administrator they would always tell me that I have the option to just pay on the loans to keep from getting negatively reported on, so I would just wait until the deferment would kick in since that just wasnt an option while I was having financial difficulties. Not to mention, I was so confused by the different due dates on the different loans and the different amounts that were due. I have reached out to Navient over the years regarding my best options on repayment and I was never told by Navient that I qualified for a consolidation. I thought that my credit wasnt good enough to qualify for a consolidation and expressed this concern to representatives in the past. There were little to no options on forbearance, deferment, or lowered monthly payments with my personal student loan Navient services so when I had financial difficulties this loan defaulted. Now, my student loans are being reported as XXXX derogatory accounts even though they have been consolidated. This looks horrible on my credit report. I have been working very hard to clean up my credit over the years, even after being laid off in XXXX , and these derogatory accounts are pushing me back tremendously. I have recently applied for a refinance on my car note that is very high and was declined because of all of the late payments that show up on these accounts. The late payments on my student loan accounts are because I was either struggling to make the payments, confused as to which of my loans needed priority, and which were in or out of forbearance ; or I was in school and awaiting an in-school forbearance. I even tried to lower my overall monthly payments in XXXX and I dont believe I ever received a response from this request. I then, luckily, reached out to a friend who was going through a similar issue who told me to try a consolidation and that even with not so great credit she was approved. I called Navient and requested a consolidation and it was such an easy process. I really dont understand why I wasnt offered this option in the past? | ||||||
| 11/03/2022 | Yes |
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Web | Servicemember |
| Issue # 1. Navient is charging illegal fees to me during the XXXX discharge process. This obviously needs to be stopped. # 2. Navient needs to be aware that XXXX may be reporting my last name incorrectly, and they need to communicate directly with XXXX to insure my application is being processed correctly and expediently. Including reading the attached complaint regarding my issues with XXXX so they can take action on their own to resolve issues with communication and potential clerical errors directly with the source. I have severe mental illness. My spouse is helping me. The form for authorization is attached. It's harming my health to have such issues with these servicers. The stress is causing a list of symptoms. I need help. They arent listening to my spouse either. Issue # 1. Got a notice from XXXX ( who obtained some but not all of my loans from Navient ) that my application for XXXX discharge is being delayed by XXXX because they spelled my name incorrectly. They wont communicate directly with XXXX, they said I have to. We tried, and XXXX refused to investigate the issue or it appears even to read our concerns and sent an auto generated message signed as if a human read and responded when they did not. We tried to remedy this issue three different ways before coming back here to utilize the CFPB complaint portal, yet again, for unethical customer service practices of the student loan servicers. Issue # 2. Navient is trying to charge me for my loans and saying I have payments due even though they have been notified of the XXXX discharge process which is in direct violation of federal legislation. Note : The customer service reps that have responded to these complaints in the past are not allowed to handle my file any longer, they have a conflict of interest because they are a part of the problem and I have direct previous complaints against them on an individual basis. See screenshot for evidence of Navient charging fees illegally. I have years of history of discrimination by the student loan servicers and US Dept Ed as a XXXX female, and this is my final attempt at resolution to preserve my health conditions from worsening before I officially secure a Federal Civil Rights Attorney. I am serious. This treatment needs to stop. I more than qualify for XXXX discharge and I will receive it, in a timely fashion, and the derogatory information about me and stone-walling will stop or I will file and win in federal court to force it to stop. My XXXX XXXX has reached out to XXXX multiple times, the XXXX branch of XXXX seeking help, and literally never even received a response. It is a disgrace. | ||||||
| 08/25/2023 | Yes |
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| Last year there was a lawsuit announced regarding the Attorney General XXXX XXXX XXXX XXXX XXXX XXXX Navient. Also, there were also XXXX State Attorneys General announced a {$1.00} Billion Settlement with Student Loan Servicer Navient private loans. However, I was eligible for private loan debt cancellation because the school I attended was on the list. The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, XXXX XXXX, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. In addition, the list of these for-profit schools is shown in the attachment below. The settlement was led by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, I applied and still wasn't able to get my loan canceled in this lawsuit. In addition, Navient will pay {$140.00} XXXX to the attorney general. A total of {$95.00} XXXX in restitution payments of about {$260.00} each will be distributed to approximately XXXX federal loan borrowers who were placed in certain types of long-term forbearances. Yet, borrowers who will receive restitution or debt cancellation span all generations : Navients harmful conduct impacted everyone from students who enrolled in colleges and universities immediately after high school to mid-career students who dropped out after enrolling in a for-profit school in the early to XXXX. On the other hand, this settlement includes conduct reforms that require Navient to explain the benefits of income-driven repayment plans and to offer to estimate income-driven payment amounts before placing borrowers into optional forbearances. Additionally, Navient must train specialists who will advise distressed borrowers concerning alternative repayment options and counsel public service workers concerning XXXX XXXX XXXX XXXX ( XXXX ) and related programs. The conduct reforms imposed by the settlement include prohibitions on compensating customer service agents in a manner that incentivizes them to minimize time spent counseling borrowers. Navient will also cancel more than {$1.00} XXXX in subprime private student loans owed by approximately XXXX borrowers nationwide. Californians will receive around {$260.00} XXXX of that debt cancellation, going to approximately XXXX borrowers. | ||||||
| 09/01/2016 | Yes |
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| I attended XXXX XXXX XXXX in XXXX, OH from XX/XX/XXXX-XX/XX/XXXX. I had multiple issues finding a job as many others have. When I graduated in XX/XX/XXXX I owed {$41000.00} in loans. At this writing I owe {$39000.00}. It is astounding that in 8 years, I have only reduced my loans by {$2000.00}. The private loans, according to multiple discussions with XXXX XXXX then later Navient, are not eligible for deferment. You can get a forbearance on these loans but you have to pay {$50.00} per loan. And to be quite honest, I am not even sure I signed up for these type of loans. They were not explained to me at all and when I had questions about what I was signing, the financial aid advisor rushed me through the process. I paid {$160.00} a month for five years on my private loans on a graduated repayment plan. I have been paying $ XXXX monthly on my private loans since XX/XX/XXXX and {$130.00} on my federal loans when I could no longer defer them. I want it noted that I have never once went into default with these loans. I want it observed that the total payments I have made on my private loans alone, over an 8 year period and in the evidence I have submitted, is {$15000.00}. How have I paid almost {$16000.00} over 8 years? XXXX uses deceptive recruitment practices to lure students into enrolling to receive their federal financial aid. These students receive none of the valuable career skills for which they enrolled in the program and they leave with enormous amounts of debt. Subsequently, they ca n't find a job, they default on their loans, and taxpayers ' dollars are wasted in the process, all while these companies continue to profit off of student loan debt and federal financial aid. Only by my wife and I working together, and the grace of a higher power, we are not in the situation many people we talk to are in. I can not go to a regular school and get an actual valid degree because I simply can not afford to. This whole experience has left a devastating impact on me and I am afraid for my own child to go to college. I will not dispute that I owe the government money. I did go to school for two years. But I do believe I was deceived about the type of loans I had and the promise of the career path I chose. It was all lies and I have paid a heavy price for these lies. Again, over 8 years I have paid almost {$16000.00} for my mistake, more if you would like to count my federal loans. XXXX built an empire on broken promises and shattered dreams. And they used federal monies to do it. I feel I have more than paid for my degree and am requesting discharge of both my private and federal student loans. | ||||||
| 03/20/2023 | Yes |
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Web | Older American |
| I've been paying Sallie Mae/Navient for private student loans since XXXX. I am the co-signor to my sons loans and have authorization on the accounts w/Navient. We have constantly struggled to make the payments with some having as much as 17 % interest rate, constantly having to go into a rate reduction program that only added the debt to the back of the loan, with penalties and interest. We ask for consolidation or permanent rate reduction, IDR and we were told we did not qualify for any assistance. Navient has never tried to help us be successful in managing our loans. Each year of paying {$12000.00}. or more in payments my total balance continued to increase year after year. The burden to make the payments has become impossible for us and I notified Navient out of desperation I was going to request a hardship and withdraw my 401K retirement in order to pay off my son 's student loans. At that time XXXX of XX/XX/XXXX I owed approx. XXXX. I have requested and received my retirement funds, ( XX/XX/XXXX ) I immediately contacted Navient and my balance now 2-months later is approx. {$100000.00}, due to past due and late fees over {$300000.00}. I explained I had gotten all the money I had and ask them to accept the {$100000.00}. They said they could approve a settlement amount of {$100000.00}, which I was very thankful for until they told me my son and I would have to complete a credit disclosure and that it would be reported on both our credit reports that we settled for less than the amount due and that it could affect our credit for the next 7-years. I told them I felt a settlement was an agreed amount amongst all parties and should show paid in full and nothing else. I've paid them so much more over the years and now when I'm trying to pay them with all the money I have for retirement these people still want to punish and hurt our credit. Defaults are at an all time high, banks are going broke everyday our country is in the worst shape it has been in 50 years and this is a good example of why it is. I'm offering to pay more than what they offered to settle, and they still want to hurt our credit. I would have been just as well to have filed bankruptcy if this is the case. I know they have authority to settle without doing damage. This is just another example of how Navient treats their customers and how difficult they want to make it for you to get out of debt. This is just wrong and people with private student loans don't have anyone in their corner to help. If I can tell consumers anything about student loans I would tell them to never take out private loans and never borrow from Navient. | ||||||
| 03/22/2021 | Yes |
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| I applied for student loan forgiveness through the Public Service Loan Forgiveness Program ( PSLFP ) and was denied the loan forgiveness ( XX/XX/XXXX ). It turns out my loans were ineligible. However, I was never given the information that my loans were ineligible even when I spoke with my student loan provider Navient in XXXX when the program began and in XXXX when I called them to switch to an income repayment program and told them I was working towards forgiveness on the PSLFP I was not told, nor could find any information at that time, that FFELP loans were not eligible and the repayment plans I had been on prior to XXXX and after XXXX would never make me eligible for this program. On XX/XX/XXXX when I called Navient after being denied PSLF by the Dept. of Education, that is when they then told me my loans were ineligible. Nothing on my account summary or information of my loans on their site ever said my loans were through the FFELP. Onluy after my call on XX/XX/XXXX did they switch the description of my student loans on my account summary on the online portal. Prior to XX/XX/XXXX it just listed them as " consolidation ''. After XX/XX/XXXX it still said " consolidation '' but they added FFELP on my account summary. Clearly they are giving misinformation to customers and not providing them with the information they need to be able to qualify for these programs. If I had been told in XXXX and XXXX that my loans were not eligible, I could have transferred my loans to a Direct Loan consolidation and then started working towards the 10 year requirement to qualify for the PSLF program. Only finding out now is not only really upsetting because I worked those 10 years towards nothing, but if I switch my loans at this point to Direct Loan consolidation and have to start the clock again, I will pretty much have paid off my loans in 10 years and would not even need the forgiveness program. I urge you to do something about these unethical practices and the misinformation or lack of information student loan services provide their customers on these programs. Clearly it is not in their best interest to have our loans forgiven and I feel that dictates their practices. Given that the DOE has only forgiven 1 % of loans through the PSLF program and there had to be a congressional hearings in XXXX to investigate the practices of the DOE in regards to this forgiveness program, there is clearly some kind of wrongdoing or unethical practices taking place by the DOE and lenders like Navient to prevent people from qualifying for it, whether directly or indirectly through misinformation or lack of information. | ||||||
| 07/16/2017 | Yes |
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| I had started to make weekly payments back in XXXX , for {$50.00}. A total of 36 payments had been made, equating to {$1800.00}. There was then a repayment fee applied??? Thus, I was penalized for making payments on this loan: XX/XX/XXXX -- Repayment Fee -- {$340.00} I had made numerous calls around that time to discuss the payments that I had made as well as the repayment fee. I could not get any assistance, nor see any of my payments being applied. There is no indication that any of my payments have reduced my principal balance. I had noticed another " repayment fee '' that was applied prior to that : XX/XX/XXXX -- Repayment Fee -- {$370.00} I had also questioned this, and was not able to get any explanation. The account is riddled with random fees, such as " insurance premium '' and " adjustment ''. There is absolutely no explanation/indication as to what these fees are. Moreover, I am being penalized for making payments on this student loan? Again, I had just made a payment on XX/XX/XXXX for {$100.00}. This payment was not applied to principal. The entire payment was applied to interest. There is no indication of how this payment adjusted the total balance of the loan. The total balance of this loan has continued to grow, despite making the {$1900.00} payments indicated. It is near impossible to get a hold of customer service agent. If one is able to get a hold of an agent, they do not provide any information/clarification as to what is happening with this loan. I am being taking advantage of by this company in a very egregious way. The loan did not go into repayment until just now, indicating that my first payment is due on XX/XX/XXXX for {$37.00}. I do n't know what to do given that all my prior payments have disappeared -- and I was additional penalized by making these payments before the loan was due. This is absolutely unheard of -- and frankly an abusive practice. I have yet to see any of my payments being correctly applied to this loan, as well as yet to receive an explanation on all the " miscellaneous '' fees I am seeing being applied to the outstanding loan balance. My unpaid principal balance is showing higher than the initial loan amount. How is this possible? Original Principal : {$10000.00} Unpaid principal : XXXX Unpaid Interest : {$570.00} Again, none of the payments I have made over the life of the loan have been applied. This was previously a XXXX loan, and there were payments made during that time as well. I have contacted my bank to obtain statements showing the payments made prior to the loan being sold to Navient. | ||||||
| 09/20/2016 | Yes |
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| I want to help my son to be the first to go to college but I ca n't afford it. But with the encouragement of the representative/recruiter from the school, I was told I can take a Parent Plus Loan for my son not realizing the loan is solely on me. I was made to believe it will be on my son 's name. After graduating he had a difficult time finding a job so we requested to have a deferment. We have used all the deferment limit and now the loan is due. The loan was serviced by XXXX. The monthly due is over {$600.00}. I called XXXX to find a way to lower the monthly payment and I was given a website for NAVIENT and the company can consolidate my loans and lower the monthly. I called NAVIENT and was instructed to fill up the application on the NAVIENT website for the income driven loan. I did as instructed and the site required proof of income so I attached my 2015 XXXX. I got a response back but the monthly payment is higher than it is with XXXX. I called to confirm and I was told it 's because of my income and I have no dependents. I explained that for 2015, financial hardship forced me to take out my 401K and that is why it gross income is like that and I also made an error on the dependent information. I spoke to a representative named XXXX and he gave me a calculation that based on the information I gave him the monthly should be around {$300.00}, he told me to fax XXXX copies of my paystub. And he would update my files. I did as I was asked and days later I received a letter showing my monthly payment would be well over {$700.00} a month. I called again and I explained to the representative that the reason I applied with NAVIENT is the hope that I can lower my payments. He said there is nothing he can do to lower it. I told him to forget it and I will just deal with XXXX. He proceeded to say that the loan has been consolidated and XXXX has been paid and there is no way to undo it. I was livid and he said it helps me because now I can get a deferment again. This is outrageous!!! This is preying on people like me who wants to pay their obligation but the system they created only increases our debt. This puts me in a deeper hole because I certainly could not afford to make the minimum payments, this will ruin my credit and affect my future job opportunity. This puts me in more debt and in the verge of bankruptcy. And risk getting embarrassed at work when NAVIENT garnishes my check. I have been stressing out over this I hope something can be done. I have another son that will go to college in 2 years and I wo n't be able to help him pursue higher education because of this. Please help. | ||||||
| 04/08/2015 | Yes |
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| Hello, I was wondering if someone could contact me in order to offer me some advice or direction in my current situation. I am XXXX and live in XXXX County, Maryland and attended XXXX schools. I grew up with a single father with mental illness after my mother passed away when I was XXXX. Our family could not afford health insurance so my mother could not go to the hospital when she had a ruptured appendeix. Because of my father 's XXXX XXXX, he could not provide any support or advice in my life decisions. The reason I am sharing these personal details of my life is to paint a picture of what barriers I was facing at XXXX when I wanted to attend college. Coming from an affluent area in XXXX County, I knew what career success looked like. My parents never achieved this type of success so this naturally motivated me more to work hard to have a successful future. I learned at a early age that intelligent individuals are evenly dispersed among any population but unfortunately wealth is not. I was one of unlucky, XXXX children that was aware of this discrepancy ; possibly the worst of all scenerios. Because my dads lack of experience in this area, and his XXXX struggles, I was on my own in figuring out how to apply to, and finance college. Like any teenager with a question, I went online and typed in, " How do I pay for college. '' I clicked on the first advertisement I saw, and ended up taking out XXXX private loans from XXXX XXXX to finance my college at the University XXXX over XXXX years. I had never heard of FAFSA, I was not aware federal loans and their forgiveness programs, I did n't know what a grant was or how to find scholarship opportunities. You might question, " Why did n't you get this information from a high school counselor? '' The answer is simply, " I do n't know. '' I assume possibly fell through the cracks because I was a XXXX, XXXX student that looked like my affluent, well supported peers. My struggle of lack of educational support motivated me to dedicate my life to support student. I am now a XXXX myself. I feel no student should feel alone in their educational journey. I am now XXXX, and because of the high interest rates of XXXX XXXX loans, I am {$110000.00} in debt. Some of my loans have doubled in their initial amount due to interest since I have XXXX. I ca n't pay the monthly fees now, and I do n't know how I will ever pay this loan off without significant financial struggle in my life. I am asking for advice, assistance, references to help me in any way. Thank you for your time, listening to my story and I look forward to hearing back from someone soon. | ||||||
| 10/27/2018 | Yes |
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| In XXXX I graduated from XXXX University with a XXXX XXXX and approximately {$85000.00} in student loans. That was around the time that the federal government enacted the public service loan forgiveness ( PSLF ) program. I contacted my loan provider, Navient, to consolidate my loans and apply for the income based repayment plan ( IBR ). I then spent the next 10 years working with XXXX XXXX XXXX as a XXXX XXXX XXXX for various companies. In XXXX I applied for the PSLF and was denied. I was told that I had the right repayment plan but the wrong type of loan despite consolidating the loans with the specific intent of meeting the requirements for the PSLF program. This was the first time that I realized that I was mislead by Navient. I then consolidated my loans again and reapplied to the IBR plan with the specific intent of working towards the PSLF program. I was told by Navient that everything was in order, that I met all the requirements and I restarted the clock. In XX/XX/XXXX I called XXXX to check on the status of my progress as I was confused about why I had not received the yearly application to renew the IBP plan. I was informed that I still was not making progress as this time as I had the right loan but the wrong repayment plan. This was the second time that I realized I had again been disceived by Navient. I then called Navient to inquire as to how this happened as I was laboring under the belief that I had everything in order. Navient confirmed the consolidation was successful but that they never received the application for the IBR plan. I told them I didn't know how that was possible because 2 years ago I was told by Navient that everything was in order for the PSLF. The Navient representative said that he was sure I was told that but that's not how it is now. He proceed to tell me that even though I don't have the IBR plan my current standard repayment plan also met the qualifications for the PSLF program. I told him he was wrong that I needed the IBR plan. He again said that the standard plan met the qualifications for the PSLF and only after my insistence and double checking his facts did he acknowledged the mistake. This was the third time I was lied to by Navient. I have been mislead, misdirected, manipulated, and flat out lied to by Navient for the past 12 years. I have made career and life decisions based on the false information they provided me. Their actions are a flagrant abuse of power with the specific intent of deceiving the borrowers, bilking us out of our hard earned money, and forbidding us the financial debt freedoms awarded by the federal government. | ||||||
| 01/13/2018 | Yes |
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| My loan is XXXX XXXX XXXX with a beginning balance of {$8100.00}. I have been trying to get some resolution since XXXX when I called Navient to setup automatically payments with my new checking account information.I then discover that my co-signer filed bankruptcy. The representative told me that I can not make any payments until his bankruptcy was finished nearly a year went bye. Then I begin receiving collections calls around XXXX of XXXX. I spoke to someone in collections stating that the bankruptcy was complete in I was past due in payments. Which I was unaware and explained to the rep, I was tried to make payments the prior year and was told I couldnt make no payments.At that point I made my first complaint With CFPB. My compliant was closed with no resolution. A payment was made in XXXX XXXX.i have tried on serversl occasions to get a copy of my life span payments that was applied towards interest and principle. Still no response I begin to file my second complaint to CFPB. I made a call to Navient around the end of XXXX. I finally received a itemized copy of what was supposed be a break down of the life of my loan Dated XXXX.which is not reflecting to what my online account information has. I made a call Beginning of XXXX XXXX explained that the itemized bill still doesnt seem to be correct because the format of the bill has doesnt refelect with what I thought was paid throughout the span of the loan. I informed her that I had got reported with the credit bureaus for 69 days late in XXXX that has effected my credit score.I begin to ask the rep about a settlement for the loan she informed that she would have to present an counter offer to the CEO of the company and also that I would have to make at least {$1900.00} dollars and payments a month if was to get an settlement offer. She gave me a breakdown of how many months of payments that was made around 124 and 26 months of forbearance. Then she begins to say the only other option was for me to pay interest at XXXX dollars a month for a couple of months because accord XXXX dollars of interest leaving my loan amount at {$7500.00} I didnt get anywhere with what I wanted to accomplish during this phone call. On XXXX/XXXX/XXXX I called customer advocate department on the Navient website.I spoke to someone who perceived that she was going to assist me. As I begin to explain my issues. She put me on hold then transferred me to 90 day collection. I ask the rep why was I transferred he stated that he didnt know. I began to explain to him what my issue was and the only thing stated he was going to put my request. I then ended my conversation. | ||||||
| 11/11/2015 | Yes |
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| I am co-signer on a student loan taken out by my daughter about ten years ago. It was taken out through XXXX but is now serviced by Navient. Due to problems my daughter experienced in collecting her pay for her job, she stopped making payments. She did n't tell me. The loan has recently gone into default. The only written ( US Mail ) notice I received from Navient was recent, telling me that the loan was already in default. ( There may have been email correspondence telling me to login to their web site to see a message, but these things come all the time for less significant events. ) Then a series of phone calls started from Navient collections. First, they offered me XXXX lump-sum options, XXXX to release me as co-signer, the other a settlement in full. I did not have the tens of thousands of dollars available to me, so I declined. Both those offers came in the form of an email letter on Navient letterhead. The most recent phone call ( yesterday ) from Navient conveyed an offer that if I paid the back amount due on the loan and then made a monthly payment slightly above the most recent monthly payments that I could pay off the loan balance that way. The interest rate would be 0.1 % ( why? ). This sounded hopeful to me but there were obviously terms and conditions that I wanted to see in writing so I could talk them over with my spouse. Besides, my hearing is n't perfect, the phone connection was poor, I had to go outside my place of employment so there was road noise, I had no writing material or place to write, and the agent had a thick accent. It seemed so reasonable for me to ask for this offer in writing, but they refused. Instead, they said I had to make these payments for some number of months and then I would get something in writing. We went back and forth for a while, with my insisting on an offer in written form. The agent seemed to think that obviously I ought to trust him ( " This call is recorded and I would get fired if I lied to you. " ). This insistence on no written offer seemed so outside the norm -- more like a loan shark than a reputable company -- that eventually ( after much repetition ) I just hung up. I will be making those payments ; obviously I should, and they are close to the payments for the original loan. One big worry is what effect this will have on my credit rating. I already ca n't refinance my mortgage and save 2 % interest because of my credit score. At my age I probably never will. I also worry about the effect on my daughter 's financial future. I think that this " no offer in writing '' policy is outrageous ( and obviously not XXXX compliant ). | ||||||
| 08/21/2020 | Yes |
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| I have sent 7 previous letters to the US Dept of Education and Navient, XX/XX/2020, XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/XXXX and XX/XX/2020 that I have repeatedly made offers for settlement of the alleged referenced matter immediately upon providing me with written and legally binding assurance that they will accept payment in full settlement of this alleged obligation in direct and immediate exchange for the original instrument of indebtedness in its original form with the original signed consumer contract, and if unable to provide I have requested that they remove and delete inaccurate, incomplete, and unverified information from my file and they have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate, incomplete, and unverifiable and that are in violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) and Regulation V, the Truth in Lending Act ( TILA ) and Regulation Z, and Fair Debt Collection Practice Ave ( FDCPA ) by ignoring my requests to make arrangements for settlement of the above referenced matter. Yet they have not verified or validated that this alleged debt to be in fact mine. They previously stated on XX/XX/2020 " The Department only provides the original promissory note to a borrower after his or her debt has been satisfied in full. '' This is in clear violation of TILA regulation Z, as this information was not advertised on the master promissory note, as according to TILA they need to provide additional disclosure, such as not being able to provide the original promissory note. And in violation of FCRA Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. Under the FCRA, inaccurate, incomplete, and unverifiable accounts and information must be removed and deleted. They have previously sent a discharge letter that I ignored, because this was not my request, I asked for validation and verification that these alleged accounts were mine with evidence of the original promissory note bearing my signature, as they have failed to do. As they have also tried to re-age my account and falsely claim I made a payment on these accounts in XX/XX/2020. They have continued to keep these remarks on my credit report, reporting to all three bureaus that this account is verified and correct. I have contacted the 3 credit bureaus XXXX, XXXX, and XXXX, with all documentation and my credit reports and they have all failed to comply and ignore my request. | ||||||
| 06/10/2019 | Yes |
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Web | Servicemember |
| To whom it may concern Navient is still calling my Job, to Harass me and trying to get me fired from my Job, Today XX/XX/2019 from a Ms. XXXX called and stated she will continue to call me on my Job and she doesn't care if I get fired form my Job, I deserve it for not paying my student loan and who care if you have Health Problems. I have pics from the caller I.D . from a Toll Free Number of XXXX @ XXXX Today is XX/XX/2019. I am Sick and Tired of Navient Harassing Me. Please make them stop .... To whom it may concern Navient is lying, regarding calling my job, I've asked many time for Navient, to add on the file, Do Not Call my Job, which is causing a problem for me with my Employer. as of Today XX/XX/2019 I received called today, and this past week. I have saved several pics from the caller ID, showing Navient, regarding the DO Not Call My Job, Please Stop Them Thanks To whom it may concern, I would like to make a complaint against Navient. I've had an on going problem with Navient for several years with harassment and continued threatening phone calls at work, home and on my cell phone, I asked Navient not to call me a work, on several occasions. I am getting a least 25 phone calls per week from Navient, which I have recorded or saved, as of XX/XX/2019 I received calls form Navient at my job, too many times, calls from a XXXX, XXXX several others, from these numbers of XXXX, also from this number of XXXX. My job records all incoming calls and Navient is trying to get me fired from my job. I ask Navient several times to stop calling me on my job, Navient response is always the same, there's no note on your file, saying Do Not Call Job. I also given Navient the address and contact information of both Mr. XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX- phone number XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, phone number XXXX whom both are Employed and can pay their student loans. Navient has destroyed my Credit, I had a credit score of almost 800, before Navient intentionally forced a default on this loan. I am Request to be released as Co-Singer on both loans for XXXX XXXX XXXX- File # XXXX and XXXX XXXX XXXX -File # XXXX Case # XXXX. Navient Please contact both bowers, you have their information. CFPB what are my recourses, if I end up losing my Job because of Navient, I have many on going Health issues, and the Harassment from Navient is causing more Health issue and harm for me. I have documented the same issue of Harassment with Navient in the past with CFPB and the State of Conn File # XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Revised as of today XX/XX/2019. | ||||||
| 01/20/2017 | Yes |
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| I had a student loan with XXXX XXXX. It was the worst experience I ever had with a company. They do not care about their customers at all. I have been bullied by these people before. When I was struggling to make payments I actually had someone tel me I should n't have take out a loan I could n't pay back, and question why I would take out a loan I ca n't pay pay back. but life happens and I fell on hard times like many Americans and this company did n't even offer to help me one bit. I had catch up on payments before I could do a forbearance with them. At that time my fianc was sick with XXXX and not working and my paychecks went to keeping a roof over our heads. One time I had someone call me for a payment during my grace period and when I told them I was driving and would do it online later ; responded by telling me she would wait for me to pull over to give her my information. I honestly have never had XXXX good experience with this company. Then Navient took over my loan and I thought it would be better but it was n't. It was the same bullies operating under and different name. These people call you after XXXX 7 days a week and on holidays. Like most people life happened again and I could n't afford my payments they were one {$200.00} a month. I tried to do another forbearance but the man I spoke to told me I could n't I had used them all up. In the end I somehow got rigged into paying more than my normal monthly payment to " catch up ''. Recently, XXXX started the process to refinance my loans and while dealing with this company a " manager '' that I spoke with literally gave me a XXXX XXXX. He was yelling at me about making payments and they told me he was going to sue to me. I could n't believe the way this guy spoke to me like I was trash, trying to better myself because they were n't helping me. They kept saying they could help but no option helped because it ended with me paymore than I could afford. I was very willing to pay them but they did n't care to offer me anything to help me make affordable payments. I could go on and on I have been dealing with these people for almost 10 years. There is even a XXXX page called I hate XXXX XXXX. How these companies have gotten away with this for so long is crazy. I have been keeping record of how they have violated the law with there calling to collect funds and things they have said. Because they probably do n't keep record of the phone calls that end up with customers in tears. I work for a company that works with XXXX XXXX and I would never in my right mind suggest or let someone take out a loan with Navient or XXXX XXXX | ||||||
| 02/28/2019 | Yes |
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| For the past 6-9 month I have made my Navient Payments in full according to my online portal in the amount of {$180.00}. I add a note every month to spread my payment across all loans in full. Every month my account shows that I am behind {$100.00}. Every month I call Navient to fix the issue and I get the same response. " We ( Navient ) didn't apply your payment across all of your loans ( even though I added a note to do so ), that's why its showing a pass due amount. Navient then sends a request to another one of their departments to spread my payments evenly. I go through this every month for 6-8 months. This month my online portal is the same {$180.00}. I make the payment and again I am behind {$100.00}. I call and I am told my new loan amount is {$290.00} and I am behind {$100.00}, again. I was not yet told that my amount has been raised to the new number of {$290.00}. My online portal still says {$180.00}. I haven't gotten a clear answer on why my current pass due of {$100.00} with the new payment of {$290.00} is equal to the previous pass due of {$100.00} when my monthly payments were {$180.00}. There are two issues here. 1. Every Month I make a payment in full Navient doesn't spread my loan equally even after I am told for now on they will spread my loan out equally. And even though I attach a note to each check to spread my loan out equally. If I were to send my check in and not check my account this would have drastically hurt my credit score. This is an obvious practice that they will continue to do. I have been told they will fix it by multiple Navient representatives who I will list below. 2. I made my usual payment and once again pass due. But this time its because my payment was increased and I was not notified. The increase was not posted on my Navient online portal. Why is the current pass due amount with a new payment equal to previous pass due amounts that I have been making of a different payment? Why is Naveint continuingly trying to get an extra {$100.00}? I have spoken with : 1.Someone with the E Code XXXX XXXX. XXXX XXXX on XXXX 3. XXXX XXXX on XXXX XXXX. XXXX XXXX on XXXX XXXX. XXXX XXXX on XXXX 6. XXXX XXXX on XXXX XXXX. Many more prior to XXXX Attachments explained : Monthly payments should be the same each month. If you look at my attached copies of payments via the Navient portal, you can see timely payments from me and repeated adjustments to fix the issue from Navient, AFTER I called about the issue. The most recent previous months Navient still had to make adjustments but they didn't show in the portal this time, they covered their mistakes up. | ||||||
| 06/14/2018 | Yes |
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| I received a letter in XX/XX/XXXX from XXXX XXXX XXXX XXXX about two of my federal loans being in Defualt. When I contacted them, I stated there must be a mistake because I had all federal loans in forbearance. The person I was talking to gave me an address to send my dispute to and placed the collection in dispute status. Several months later on XX/XX/XXXX, I received a letter from my payroll department about a garnishment. I immediately on the next day and multiple days later, spent hours on the phone trying to figure out it went into default. After spending a total of 21 hours on the phone and doing a lot of research, I found some interesting things : Originally, XXXX XXXX had the loan, then it switched to Navient.XX/XX/XXXX, I received a phone call from Navient about two federal loans that were close to default, apparently they didn't do another forbearance because it went from 244 days past to only 215 days past. I just found this out yesterday. In XX/XX/XXXX, they transferred the loan to XXXX XXXX XXXX XXXX, in which they contracted XXXX XXXX XXXX XXXX to collect. Until I am able to figure out how and why the two loans went into default, I wanted to reduce the 15 % wage garnishment to something I am able to afford. XXXX had told me that they couldn't do anything unless the guarantor ( XXXX XXXX XXXX XXXX ) contacts them to modify the garnishment. The problem is that trying to contact XXXX XXXX XXXX XXXX is like chasing a ghost. All calls end up being redirected back to Navient. Now, Navient says they are on behalf of XXXX XXXX XXXX XXXX, but they can't change or modify the garnishment because XXXX XXXX XXXX XXXX is the guarantor. Now what is really interesting is that when you search for XXXX XXXX XXXX XXXX, it comes up with XXXX XXXX. I then found out that XXXX XXXX took over loans from XXXX XXXX XXXX XXXX. When I contacted them, they told me that they had my two federal loans for a short period of time but returned it back to Navient. I also found out that XXXX XXXX XXXX XXXX changed their name to XXXX XXXX XXXX in XX/XX/XXXX and no longer has a role in student loans. When I contacted XXXX XXXX XXXX XXXX and had a recorded conversation, I let them know that there is no company as " XXXX XXXX XXXX XXXX '' and the garnishment should be nulled immediately until the correct guarantor is listed on the wage garnishment. They told me that they do exist and they are going off what is listed on the contract. I let them know that XXXX does not exist and no one can seem to reach anyone from XXXX and their contract is illegal and should be terminated immediately. They declined | ||||||
| 10/16/2018 | Yes |
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| Navient XXXX XXXX XXXX XXXX, PA XXXX This student loan company gave me false information about my student loan, although I was making payments, and was diligent about annual renewals, and communication. The problems have been ongoing and Navient has withheld the truth about the loan. I discovered the extent of the dishonesty when I decided to consolidate all of my loans. In XX/XX/XXXX I began the process of consolidating all of my loans at the Federal Government rate of 6 %. I tried to negotiate a lower rate than the +9 % I was paying but Navient refused. As I began the consolidation process that would add the Navient loan to my XXXX, I was told my loan could be added and yet as I continued to talk to XXXX, I was told over and over that the loan was not a federal loan but a private one. I called Navient, and was told the opposite. They swore it was a federal loan, and someone who was a supervisor even promised to access the national data base files and ensure that my loan would be recognized as such. He even told me to call back in 3 days to ensure that all of the work was done. When I called back I was transferred a number of times, and then hung up on by the agents. XX/XX/XXXX " During a review of your account we discovered that accrued interest was added to your loan, for which you are not responsible. '' Money was added to my loan during the periods of forbearance, and even during the time I was making payments. Phone calls made during the summer of XX/XX/XXXX, show that I had to call back numerous times because I was hung up on. Further, it was revealed by one of the agents, that I was paying an unusual high interest rate, " higher than she had ever seen. '' It is revealed that my loan is a PRIVATE SMART LOAN, and that Navient knew this all along. Further, my LOAN has had NO LENDER since XX/XX/XXXX when XXXX XXXX XXXX XXXX XXXX, the lender " bailed. '' Navient did not disclose this information, nor did they discuss the fact that Navient became my lender without my knowledge. During XX/XX/XXXX, I called to renew my payment plan and was put off, and transferred numerous times. Because I was already making automatic payments, a larger amount was automatically deducted from my account. When I complained and had proof of my phone calls, I was told the refund of my money was delayed for some time. Navient wants me to enter into a forebearance, for 3 months and after that time try to extract a larger amount from me for repayment. The goal for Navient is not so students can pay off the loan, but so they will owe much more money through accrued interest, for longer periods of time. | ||||||
| 01/31/2017 | Yes |
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| I paid for a loan with a college to be forgiven by a loan forgiveness company. In XXXX of XXXX I was informed by someone at Navient that the amount that I owe is for a XXXX college as their system shows. They then corrected it to say that it was for the loan that was supposed to be forgiven and that the forgiveness company was in my file. Also that she would look into the situation. I had also written a few letters to Navient stating that my loan had been forgiven, and got basic responses that did n't pertain to that fact. There was silence for a while, then the emails started back up asking for a payment. " Person B '' at Navient informed me that I would qualify for an economic hardship deferment, and promised that I would get it the hardship for quite a few months. She stated that the forgiveness company was a scam and not in my file. Meeting with issues on filling out the documentations, I called Navient and spoke to " Person C ''. I asked to record the talk due to the fact that I had been told so many lies by Navient and the fact that I needed to get to work and wanted to remember what was said. She ran me around in a circle for 45 minutes before giving me a number to call, which was wrong anyways. I called yet again due to harassing phone calls and emails and spoke to " Person D '' just to inform them that I was sending in the documentation soon that was needed and that I apologize for sending it late. That I had been having issues and that " Person C '' gave me wrong information. He informed me that my account was red flagged and only the higher ups at Navient could contact me. He also informed me that the hardship would be for 36 months. He also informed me that the forgiveness company was in my file and that it was reputable company but might take a while to be forgiven. After sending in the documentations, the calls stopped perhaps due to the fact that I sent a letter of cease contact, though I got XXXX back stating they were federal and did not need to follow The Fair Debt Collection Practices Act. I then got a phone call from " Person E '' in XXXX who called numerous times in XXXX morning using a Private phone number informing me that the hardship only lasted a month and that I did n't qualify for it. The woman was rude and did not care for what I had to say about all of the deceit that I had already gotten. I was also Harassed with phone calls almost every day from XXXX/XXXX/XXXX to XXXX XXXX. That then picked back up in the beginning of XXXX of XXXX. This did not help my XXXX or my XXXX. And all of this after I had paid {$400.00} for the loan to be forgiven. | ||||||
| 01/26/2017 | Yes |
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| Nearly ten years ago, the Public Service Loan Forgiveness plan started. As a professor at a public college since XXXX, with crushing student loan debt, I was thrilled to hear about the program. My student loans were nearly triple the value of my gross annual salary at the time, so I was interested to hear more about it. Each time I inquired about it, particularly to find out what my monthly payments would be, I was told that there were no estimated costs and that I just needed to switch to the Income Based Repayment ( IBR ) plan to find out. With a low salary and many debts, I was afraid to switch from my 30-year monthly payment plan to some unknown dollar amount. So I waited three years before I bit the bullet, still with no estimate of what the payments would be. Fortunately, my monthly payments were reduced by nearly {$100.00} a month on the IBR plan. Unfortunately, I had lost 3 years of loan forgiveness, even though I was paying more per month on my loans in a qualifying public service position. At that time, the XXXX agent told me that I could not retroactively change to the IBR plan in order to recoup those 3 years. There were also no application forms for the PLSF program, and I was informed that I need only submit the employment verification sometime in the next 10 years to ensure that I was added into the program. Fast forward to today - I still owe nearly 130 % of my gross annual salary in the same public service position, the PLSF program applications are available online, and I finally submitted my application to see where I stood in terms of the number of payments left before my loans would be forgiven. I am furious at the response letter I just received in the mail from XXXX, stating that I am not eligible for PLSC due to " No Eligible Loan Type ( s ). '' My loans were originally issued via the XXXX Federal Direct Loan Program, some subsidized, some not. Those loans are indeed part of the forgiveness plan. It is my best guess that the method of consolidation I chose back when I switched to a 30-year repayment plan through XXXX disqualified me from the program, but I am uncertain. I 'm really not sure how to fix the problem. It is difficult to navigate between the XXXX that reviews the PSLF applications and two different loan servicers that have changed through time, first XXXX and now Navient. I feel that I have been duped, and I would like to correct the situation at least back to XXXX, if not all the way back to the beginning of the PLSC program in XXXX. I am happy to provide any employment and income verification needed in order to rectify this issue. Please help. | ||||||
| 10/11/2016 | Yes |
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| Please take the time to look into student loans and XXXX XXXX XXXX fraudulent practices of applying their students into predatory student loans knowing full well that majority of the students could not repay back those loans after graduation. I had emailed you on this issue a few years back and explained how after graduating from XXXX XXXX with a XXXX XXXX XXXX I was told that my degree from XXXX XXXX was worthless to any governmental agency : State and Federal because of the accreditation of the school. I owe close to {$100000.00} in student loans ( both government and private loans ), many of which are in default or placed on an Income-based repayment plan where my monthly payment is at {$0.00} per month because I can not afford to pay back these loans due to the high cost of living for me to provide for my family of XXXX. Most recently XXXX XXXX has been forced to shut down all its ' schools and is being sued by many states due to fraud practices on recruitment, student loans, etc. I had attended XXXX XXXX XXXX in XXXX, Nevada from XXXX - XXXX and graduated as XXXX. I attended school even throughout the economic crash, even through bankruptcy proceedings living off their promises to better opportunities of the future of starting anew and obtaining a better paying job to provide for my family. During the course of attending, XXXX XXXX 's Financial Representatives have placed me into numerous student loans to pay for their courses promising me that when I graduate it would be all for the better. I studied hard and worked hard to get high grades, even while working a full-time job and being a full-time mother to my XXXX children. After graduation, all I found myself was in high student loan debt which I can not repay. Till today, I have been suffering from shame, guilt, XXXX knowing that the debt is still rising from high interests and penalties and all I have to show for all of this is a " Blank '' piece of paper, according to the XXXX personnel when they refused to hire me for a XXXX because I did not meet the education requirements. I was also denied a position as a XXXX agent at the XXXX because my credit is too high and risky, and they too did not recognize my education. When will this all end? I do n't have the money to hire a lawyer to help me nor do I know where to start in getting rid of these loans which have been a nightmare to myself and to my family ( with high collection calls from Navient and collection departments ). All this because of a school that refuse ( s ) to take responsibility to misleading me into high debt for an education which is worthless. Help me! | ||||||
| 06/29/2016 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAXXXX XXXX XXXX XXXX, 2015 Navient XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request to lower my monthly payment for Acct # XXXX RE : Graduated Repayment Plan Dear Navient : I am writing to appeal the decision of denial for graduated repayments. You send me option for graduated payment plans and deny the plan the same day from the correspondence that was sent to me! How can I possibly pay you {$1200.00} dollars per month, and I do n't even make that amount! I have asked several times to work with me! I am willing to start repaying my loan, but I can not realistically pay you back an amount that I do n't make!! Please send my letter to a higher management personnel. I am truly trying to work with you, but asking for unreasonable payments when I clearly do n't even make that amount a month is asking too much! This is a copy of my original letter!!!!!!!!!! I am writing to you because I need to reduce my monthly private student loan payment due to a financial hardship. I am requesting a payment that allows me to meet my other necessary living expenses. Please conduct a review of my account to determine whether I am eligible for an alternative repayment plan. My total income at this time is only XXXX. I ca n't possibly afford a payment of {$1300.00} to Navient and pay my other living expenses to take care of my family. This payment is XXXX % of my total salary!!! I have enclosed copies of my check stubs to verify my income. Please help me lower my payments that I can afford and pay my mortgage and other bills.If you require additional authorization in order to reduce the amount of my monthly payment, please consider this letter a written request that you contact my employer or other authorized party to conduct a review of my account and provide a response within 15 days of receipt of this letter.If you do not grant this request for a reduced payment plan, I will be at risk of default. If I receive a reduced payment plan, I may be able to avoid default, which is in the best interest of all parties. If you determine that you are unwilling to provide a reduced payment plan, please provide the following information : Explanation and alternatives to helping repay private loans. In addition, if you are unable to provide any of the information or documentation I have requested or otherwise can not comply with this request, please provide an explanation. I hope we will be able to agree upon an acceptable repayment plan. Thank you for your cooperation. You may contact me at my available email or phone information. Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX | ||||||
| 01/29/2018 | Yes |
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| Today I called Navient around XXXX XXXX, EST. I spoke with a male representative concerning in-school deferment. I had mailed out an in-school deferment form on Thursday to help speed up the process of deferring my loans. The man said they had not received the form yet, but my school 's registrar could call this number ( XXXX ) XXXX to give them my school information ( full-time status, graduation date, etc. ). I called my school 's registrar and gave her the phone number to call someone at Navient to provide them with this information. She said it should not be a problem as she has made these phone calls before to inform employers of student 's information. I call Navient back around XXXX, this time speaking to a female representative. She immediately transferred me to a different department, where I then speak to another female representative. I asked this representative if my information has been updated since my school registrar had called. She said there were no records of her calling in any department. I thought this was strange, and told her that the registrar most likely did call within the past hour. Still, no records to be found of this phone call. The representative told me to call my school back and see if they could update the XXXX website and possibly resend the in-school deferment form via online upload or through fax. I call my school back around XXXX and directly contact the registrar. I told her Navient had said there were no records of her phone call and she said she most definitely made the phone call, and had spoken to a woman named XXXX with a XXXX accent. I also discussed the information being updated on the XXXX website and was told it would be updated tomorrow. I call Navient back around XXXX, and speak to a new representative. I fill her in on what's been going on today, and she tells me the same thing, no record of the registrar calling. I'm frustrated at this point, since there is no reason that conversation should have been ignored and not recorded on my Navient account. This representative then tells me that Navient isn't allowed to discuss my account with other people unless they have my consent. She tells me that the registrar making a phone call wouldn't do anything to update my account. I ask her why another representative would provide me with this information and give me the phone number for the registrar to call and she said she didn't know. She also said that there was no record that I even called Navient at XXXX today discussing this. She checked with customer service to see if they had any record of my phone call and they did not. | ||||||
| 06/07/2016 | Yes |
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Web | Servicemember |
| I completed the income-sensitive repayment plan application to reapply for a reduced payment plan. The form indicates to list the gross monthly income. It also requires that the XXXX most recent pay stubs are submitted. Since I am hourly, I do not work the same hours each week ; therefore, the amount that I list for my gross monthly income is an estimate. Since there are seasonal busy periods, the hours that I am working now are inflated compared to what I am actually scheduled to work. As a result, this makes it appear that I earn much more than what I do. Last year, I encountered the same issue and after numerous tear-filled phone calls, I was instructed to write a note that I was an hourly employee and include what my average scheduled hours were. This year, in an effort to avoid having my application rejected, I included the same explanation. Sure enough, a week later, my application was rejected. I called and spoke to a representative who accused me of understating my wages. I explained to her that I was hourly and did not have a set salary, and she instructed me that I would have to match my gross monthly income to the amount on the pay stubs regardless of the fact that the hours were not typical. I immediately requested a supervisor since I had encountered the same issue the previous year. I explained that I did not feel comfortable listing the inflated amount as my gross monthly wages since it overstated my actual earnings. The woman was very rude and condescending. She then began asking all these questions about my tax returns and other personal information as if she was attempting to refinance my loans. Not only was I unprepared for the questions, since I was commuting to work, but I could not understand her due to a very heavy accent. Since I work for a non-profit, refinancing a loan would be unwise because it would disqualify me from Public Service Federal Loan Forgiveness. When I asked why she needed the information she was requesting, she became agitated and told me she was attempting to qualify me for a different loan. I informed her that I was not comfortable or prepared for that and would call back. As she yelled something at me through the phone, I hung up. Because I feel like I have no other option, I am have submitted my forms with the inflated wages they demand. I find it absolutely insulting that I am trying to pay for my loans and I feel like they are attempting to rip me off by changing the terms. I also have a small window to get this resolved since they will increase my payments to XXXX % of my monthly wages if I do not give them the answers they want. | ||||||
| 09/20/2018 | Yes |
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Web | Older American |
| I made payments to XXXX XXXX, mailed in XXXX, XXXX, XXXX, XXXX. Checks were cashed by XXXX XXXX XXXX XXXX XXXX, on XX/XX/18, XX/XX/18, and XX/XX/18. XX/XX/2018, Navient sent a letter stating my load was purchased from XXXX XXXX. I called to ask why the three checks were not credited against my loan. They claimed not to have received funds, and suggested I call XXXX XXXX, who then claimed that the loan was transferred to Navient in XX/XX/2018. I went back to Navient. They wanted a copy of my bank account transactions to provide proof of payment. Instead I wrote a letter with copies of the completed transactions. I waited and called again XX/XX/18. I was told I had called too soon. To wait 10 days and call again. Navient then claimed they had not received the documentation and to send a copy of my bank statement. After several contacts with Navient, I went to my banker at XXXX XXXX, XXXX, WI. She sent a certified letter, in a fax, to Navient declaring I had paid them. This was suggested by Navient. I called three days later. Navient had not received her fax, even tho the number was provided by Navient. I called my banker, she sent the fax again. This time when I called, I was told the document was not acceptable. Navient insisted upon a bank statement. OK, back to the bank who suggested she would black out all info on bank statement and fax. The first time, this was not received by Navient - again, they provided the fax number. Navient also claimed documents were illegible The second time, Navient acknowledged the bankers document, but, I had to wait 14 days for the financial dept to act upon it. I called on day 14. I was told things were being processed, and action would take place either XX/XX/XXXX or XXXX. Today, I am back to Navient who again claimed they had not received payments but they had gone to XXXX XXXX. I was to again call XXXX XXXX. Having called XXXX XXXX in XXXX was not sufficient. I called the number Navient provided. It went back to Navient. I searched the web for XXXX XXXX phone number. It also went back to Navient. However, website did say that XXXX XXXX was now XXXX XXXX. Called XXXX XXXX but they have no record of my account. XXXX XXXX did some tracking and told me that since my debt to XXXX XXXX was in default, it had been immed sent to Navient as a personal loan. In fact, I have never been in default with XXXX XXXX. However, I had just completed the requirements for Chapt XXXX and that has successfully been closed in XX/XX/2018. So, I am back to Navient who I have contacted 4 times already this month alone. XXXX, XX/XX/XXXX, XX/XX/XXXX and, XX/XX/XXXX. | ||||||
| 06/15/2018 | Yes |
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| My student loan was transferred from XXXX to navient in XX/XX/XXXX, I was not made aware of this switch. Until this time, my payments have been current. Because of an excess payment when with XXXX, my payments continued to be made for some time although I received late fees everytime. In late XX/XX/XXXX I was made aware by phone that my account was delinquent. I honestly am having a hard time keeping it all straight but for the last 3 weeks I have been on the phone with Navent, XXXX and my bank trying to make payments When I was made aware that Navient is now the holder of my loan, I logged onto the website and signed up. I entered my bank account numbers and made my first payment on XX/XX/XXXX. To date, I have tried to make payments 4 times since XX/XX/XXXX with the most recent being today XX/XX/XXXX. Each time, I checked my bank account a few days later and upon seeing the money still there, called Navient. Each time Navient told me that the bank rejected my payment. I was never sent an email with this information. In the meantime, they helped me put my loan in forbearance until XX/XX/XXXX so I would not receive further hits on my credit due to their incompetence. ( my words, not theirs ) I was advised to call the bank to see why they were rejecting the payments which I did on XX/XX/XXXX after realizing that my first payment was rejected. My bank ( XXXX XXXX XXXX ) said that they had never received any requests from Navient and I assumed that the problem was on my end with the numbers that I gave Navient. I proceeded to repeat this process 2 more times, verifying and reentering my bank account and routing numbers each time. Both times, my payment was not processed and my bank still has not heard from Navient. The excuse that I get from Navient for my bank never having heard from them is that I must have given the wrong numbers so I printed out an account verification and used it to verify the numbers I put on my Navient account. They match exactly. I tried one more time to make a payment. Today, XXXX XXXX XXXX, I made the payment of XXXX to my account. I am writing this complaint to document all that has occurred, I feel that I have no other recourse against this company and that they will ruin my credit. I have been paying my loans faithfully since I graduated and am financially able to make my payments. When searching the company, I find that others are having similar problems making their payments. I find this disgusting and predatory whether it is purposeful or due to incompetence and I want to do my part to make sure that Navient is held responsible for their actions. | ||||||
| 02/01/2017 | Yes |
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| I have a federal Direct Consolidation loan, which is split into two parts - subsidized and unsubsidized. I am currently in a period of in-school deferment and the government pays the interest that accrues on the subsidized portion of the loan. I frequently make extra payments on the loan in order to pay it off sooner. The loan servicer ( Navient ) does not offer the option for me to specify when making online payments how I want those payments to be allocated. My preference is to make extra payments towards the unsubsidized balance, because making extra payments towards the unsubsidized balance, which accrues a higher daily interest amount, allows me to save money over the life of the loan. In order for my payments to be allocated as desired, I have to include special instructions each time I make a payment, and rely on the servicer to interpret those instructions correctly and to follow through in applying them. This puts an undue burden on me as the borrower. Often, the servicer does not obey the instructions and I have to follow up multiple times with phone calls and emails to have the issue fixed. The servicer ( Navient ) has repeatedly told me that I can not split my payments as desired, since it is a single consolidated loan. This is not true, however. My promissory note states " I may prepay any part of the unpaid balance on my loan at any time without penalty. '' There is nothing in my promissory note to indicate that I can not make separate payments towards the unsubsidized and subsidized balances. Providing inaccurate information, not applying payments in accordance with special instructions provided, and giving the impression that payments can not be specified separately for the unsubsidized portion of the balance and the subsidized portion of the balance deters borrowers from being able to make payments in such a way that will save them money over the life of the loan. It creates unnecessary obstacles for borrowers. The choice to allocate online payments in accordance with personal preference should be made available at the self-service level. It is irrelevant that a consolidation loan is considered a single loan. The loan is broken into two parts and those two parts are able to be paid separately. Principal amounts are calculated separately, interest accrues separately, and billing amounts are calculated separately. Not providing borrowers with a choice on how to allocate their payments creates a false impression that borrowers are unable to specify how their payments are made. This results in more money being paid by the borrower over the life of the loan. | ||||||
| 01/19/2017 | Yes |
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| Just reading about a suit brought against Navient and XXXX with respect to borrowers rights. I have had, and still do have, loans with Navient. In an effort to speed up my loan repayment and minimize the interest earned against my loans, I had set up biweekly automatic payments through my personal bank ( similar to what most people do with their mortgages ). For example, if my student loan bill for a month was {$100.00}, I would make two payments of {$50.00} prior to the due date of that month 's bill. This repayment method, however, created significant issues with Navient and caused me to incur several months of late payment fees which I would have to fight in order to have them removed. Not to mention, I was not able reduce my debt burden by reducing the principle to which interest would be accrued against. The issue lies in the fact that while I would only see a monthly bill for {$100.00} ( using my prior example ), Navient would actually view it as multiple " bills '', depending on how many loans I had with them. So my {$100.00} bill may be viewed to them as XXXX loans with monthly payment balances of {$40.00}, {$30.00}, {$20.00}, and {$10.00}. So if I made an initial payment of {$50.00} towards my monthly bill of {$100.00} to Navient, they would apply the {$50.00} first to any outstanding penalties. Next, they would take the remaining and apply it towards the interest due for the month. Finally, whatever may have been left over would go against the loan with the highest principle remaining. Sticking with my example, and assuming no penalties, my initial {$50.00} payment may cover the interest due ( say the interest was {$35.00} ). The remaining {$15.00} would go towards the loan with the highest remaining principle. My second {$50.00} payment would also go towards the loan with the highest remaining principle. Although I have fulfilled the amount due on my monthly bill, Navient views the other XXXX loans as not having been paid for the month because the monthly principle payment for those loans was never satisfied in my two payments of {$50.00}. The next months bill would reflect a late payment penalty as well as a balance due for the previous month. This went on for several months until I had to finally give in and resort back to a single monthly payment. I could n't afford the risk of having to call every month to fight for my payments to be distributed correctly in order to have any late fees and penalties removed. I can provide documentation of bills that received the full monthly balance due but still incurred penalties due to Navient 's mishandling of payments. | ||||||
| 10/25/2023 | Yes |
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| This complaint is a follow-up from my previous CFPB complaint ( ID # : XXXX ). On XXXX XXXX, XXXX, XXXX, my current PSLF loan servicer, sent a letter that confirmed that the time I worked at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) had been approved as eligible under the employment criteria for PSLF forgiveness consideration. On XXXX XXXX, XXXX, I spoke to XXXX, a XXXX representative ( ID XXXX ), who informed me that my loans were not under a qualifying repayment status, which has barred considering my time at XXXX as eligible for forgiveness under PSLF guidelines. She informed me that my loans were listed under " unemployment deferment '' from XXXX XXXX, XXXX until XX/XX/XXXX and under " Graduate Fellowship Deferment '' from XX/XX/XXXX to XX/XX/XXXX ( note the coinciding dates between between the two ). The reason why my loans were listed under unemployment and graduate fellowship was due to corporate malfeasance and misinformation provided by Navient, my prior loan servicer. I have shared this information to the Federal Consumer Financial Protection Bureau ( CFPB ) in a prior complaint ( ID # : XXXX ). On XX/XX/XXXX, I submitted a PSLF/TEPSLF Certification & Application form to XXXX for the time I worked ( XX/XX/XXXX to XX/XX/XXXX ) at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Unfortunately, a letter sent by XXXX XXXX XXXX, dated XX/XX/XXXX, incorrectly identified my employment begin and end dates at XXXX. On XXXX XXXX, XXXX, I raised this issue with the same XXXX representative, XXXX, who alerted me that despite my meeting the 30hr minimum employment requirement, I did not meet the " full-time '' employment status that would allow for this period of time to count toward PSLF consideration. She then advised that I contact my former employer to call her office to " verbally confirm that I worked 'full-time ' at XXXX, which would be an acceptable method to approve this period to count toward PSLF forgiveness. She also suggested that I submit a PSLF reconsideration form to Federal Student Aid, which I sent on the same date. I kindly request that the CFPB insist that Federal Student Aid conduct a thorough review of my materials and consider the time I worked at XXXX ( 25 months ) and XXXX ( 7 months ), which will place me well over the 125 months of PSLF qualifying payments. I also ask that the CFPB follow up with XXXX regarding my prior complaint ( ID # : XXXX ) to halt future monthly automatic payments ( {$440.00} ) starting on XXXX XXXX, XXXX. I see no reason why I should be asked to pay for loans that would have already been eliminated by this time. | ||||||
| 11/22/2018 | Yes |
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| Over the last couple of years I fell upon a tremendous financial hardship in that my XXXX XXXX causing me to lose my job and file for XXXX ( which still has not been approved ). I advised Navient on my conditions and a forbearance agreement was animated on my account sometime in early 2017. Ultimately I was forced into bankruptcy. Navient was aware of my bankruptcy proceedings. shortly after my bankruptcy was discharged I AGAIN explained to Navient that my financial condition was no better than before my bankruptcy began and that I would need a more realistic solution to my hardship without it affecting my credit. They never offered me any type of a ZERO payment solution. What I can't understand is how our government allows for all this XXXX. 1st the XXXX of a private school loan not being discharged in a bankruptcy with my hardship conditions is flat out extortion supported by our lawmakers. Our Government needs to publicly advertise that if you take out a private school loan you are better off owing the mob because at least the mob will forget your loan when they realize you can't pay. 2nd how does Navient get away with not offering a more " realistic '' solution like " NO MONEY PAYMENTS '' until ones financial situation changes? anyway enough with my rhetoric. One good thing that came into my life was my fianc. Last month he saw the torment I was going through and he made arrangements to pay off my school loan, stating " our government is designed to enslave it's people by design always was and always will be ''. HE IS 100 % CORRECT I '' VE LIVE THROUGH IT. In closing I asked Navient on numerous occasions to correct my credit reporting on the 120 days late payments to no avail. REAL RUTHLESS ORGANIZATION! So here is what brings this correspondence. Now my credit report reflects that I have paid my loan to Navient and the account is now closed. BUT MY CREDIT SCORE WENT DOWN AS A RESULT OF PAYING IT OFF AND THE ACCOUNT NOW BEING CLOSED. How is possible that I couldn't pay {$80.00} dollars a month for 4 months and that diminished my credit worthiness to garbage status and after I payoff {$3300.00} due to Navient that it goes down even further with the credit reporting agencies. Obviously it all must be by design, correct? Navient has received ALL the monies they were do inclusive of any late payments. I had ONE simple request that they provide a correction to my credit reports on the late payments as a result of the ongoing hardship. WHAT'S THE PROBLEM? REMOVE THE LATE PAYMENTS OR IS IT TRULY BY DESGN THAT OUR GOVERNMENT GIVES YOU SO MUCH POWER TO TORTURE ITS CITIZENS? | ||||||
| 10/26/2018 | Yes |
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| Navient has my checking account information on file. I pay monthly and have never been late. I made a payment and have never changed my account information. All prior payments have been made from this account. I paid my monthly payment on the XXXX due on the XXXX. On the XXXX I received an email stating my payment was late. I went on line and made a second payment with the same acct. information. I called Navient and was advised that they sent me a letter stating that my payment was rejected by my bank and that I should contact my bank. I contacted my bank and was advised that there was nothing rejected or received. They also verified that the routing and transit number and account number was correct from prior payments. And that I should contact Navient a request a trace number to help determine what happen to the payment. I contacted Navient and CS advised me that a letter was sent yesterday and that my payment was rejected do acct number not being found. I explained to CS that the bank advised me that there was nothing rejected, and nothing was submitted I was told there was nothing they could do. After arguing with CS, I was finally transferred to a supervisor XXXX XXXX in Indiana. XXXX informed me that it was not submitted to the bank and could not tell me why. Only that I should delete my information and resubmit my acct information and try and make another payment. I explained that I was in a loan forgiveness program that did not allow me to be late with a payment and that continuing to submit payments that were being rejected without knowledge of why they were rejected would jeopardize my agreement. He had no answer and again advised that I delete my information and try again. I advised him that this was not acceptable and that I was being penalized for an error on their companies part. He had no response. He advised me that it was the companies policies not to give out phone numbers to reach him back with acct information for their protection. I called back to the CS to attempt to change the information requested, still without any explanation of what happen or assurance that it would not happen in the future and was told that Mr. XXXX was not available. I feel this is harassment and Navient 's attempt to break their agreement for loan forgiveness by attempting to make my payment late by not fault of my own. Mr. XXXX told me that they had no way of knowing if my payment would go though and that I would have to wait another week which would put me past my 15-day grace period. He also again could not offer any explanation for why it was not submitted to the bank. | ||||||
| 02/03/2022 | Yes |
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| I've been trying to deal with Navient since before the recent settlement. I was talking to an attorney several months ago and they encouraged me to contact Navient to get a listing of my loans from the first lender up until the current lender. This would include the history of the loans including what organizations and when the loans were sold to subsequent lenders and for how much and then finally to Navient. I also wanted to find out how much each lender along the way received from me and how much I was subsequently charged along the way. I tried contacting Navient a number of times but the person on the other end didn't know who I should talk to or how. I finally was able to reach someone on XX/XX/XXXX at the " Department of Education '' who said he could get me this list/letter and this would go out to me within 30 days. This gentleman is named " XXXX '' -- employee number XXXX. When I didn't receive this letter as promised, I tried to get back in touch and was unable to reach him, or anyone for that matter. On XX/XX/XXXX I was able to reach someone named " XXXX '' who informed me that I needed to make the request again through the " Washington Department '' which I did on XX/XX/XXXX. I finally reached a woman who didn't seem to know what I was talking about and was referred to the National Student Loan Database and was then referred to the Student Loan Support Center. There I filed a complaint that was reviewed within the 15 day window and they referred me to CFPB. In addition, recently after my Income Based Repayment Plan was due for renewal, I was quoted a monthly amount that was disproportionately higher than what I had been paying last year. From XX/XX/XXXX to XX/XX/XXXX I was quoted various amounts from the young people on the other end of the call, seemingly depending on who I reached. In fact, this seemed to be the case throughout the history of my loans. Depending who I would reach on the other end of the line, the amounts due could be different. " XXXX '' ( mentioned above ) was able to readjust my amount after my wife and I sent in proof of income documents. Throughout the course of my loan repayments, I was also regularly and cursorily offered loan forbearences with a short one sentence, rote request for my confirmation. Apparently I didn't understand the actual terms of these forbearences and was basically trying to survive financially. I currently owe over {$270000.00} in student loan debt, despite paying since the 2000 's. Without the information I requested, I have no idea if this is a legitimate amount or not, especially given Navient 's history. | ||||||
| 09/14/2020 | Yes |
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| This is not an duplicate complaint. In order for me to fill out the Identity Theft Report the Higher Education Act of 1965 included Addendums to the Note like the 3 days before distribution of the loan can the borrower cancel? I need more documents the Police told me. I need the Addendum to the Fake Document The Recession form, Truth In Lending form, Approval form, Credit Check form, SLM Corp address, phone number, location, account number listed on the Schedule Disclosure # XXXX who does that account belong to and where is it located in XXXX. Where did the Web Note come from. Since your FFLEP Application Consolidation and Promissory Note is non electronically what is the process of typing in it to link to the SLM Corp Website to produce a print signature. Under the HEA in which the Note is govern what software was used to get the print signature example XXXX, XXXX XXXX. The Consent form for electronic documents to be sent to me. Payment Options form, Was the WEB form approved by the government OMB? On the addendum to the Note Schedule you approved a consolidate Perkins Loan as an unsubsidized Loan so we need the approval letter from the school the loan was paid. The Loan Verification Check form. I sent Navient two letters that stated loan money was returned to the lender XXXX XXXX since SallieMae was the servicer in XXXX did they lose the records? The Consent form that I approved the loan. The contract Promissory Consolidation FFLEP between me and the SLM Corp signed example the Application FFLEP Consolidation and Promissory Note list the Web as the owner of the Note. Then the Addendum to the Note the Disclosure and Schedule of Payment form that was typed up a month after the loan was approved the Schedule of payments XX/XX/XXXX state SLM Corp as the lender the Addendum to the Note is not a contract under the HEA. The HEA state the Application and Promissory Note must be sign by the lender and borrower in the lender website? The HEA state electronic signature must be done in the lender website. So why did SLM Corp approve a Promissory Note not filled out in the SLM Corp Website? Since SLM Corp was established in XXXX how could they approve a Application FFLEP Consolidation and Promissory Note In XXXX? What was SLM Corp credit eligible-ability in XXXX? I need the additional documents and questions answered the police detective told me when I showed him your fake Note so they can write up there report and give there opinion for the Identity Theft Report. I need the documents and questions answered as soon as possible because under the FCRA Navient is reporting wrong. | ||||||
| 01/24/2017 | Yes |
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| I have had several private student loans with Navient ( formerly XXXX XXXX ) since 2009. On multiple occasions, I wanted to either increase my monthly payment beyond that of the standard repayment plan or make an extra payment towards the principal. I found when contacting them to try and have these items completed as there was no option to perform these activities online, not only were the wait times on the phone on the order of 45min to 2 hours, the service associates were not very informative or helpful. With regards to requesting an increase in my monthly payments, once the service associate finally understood what I was trying to do, the actual value that they debited from my account was less than the value requested. For example, my standard payment was around $ XXXX/month on their standard repayment plan which was automatically debited from my checking account and I requested to have the payment increased to a minimum of $ XXXX/month. I performed this request on numerous occasions over the years as my payment history demonstrates, and each time I made this request, the servicer proceeded to change my payments to a value between {$290.00} and {$290.00} per month, which automatically decreased through the year, never actually increasing the payment to or above my requested value. When I finally noticed that this was what had happened, I requested the payments increased to values above {$310.00} and $ XXXX/month to ensure my original request was met as they were unable to fulfill what I had originally conveyed to them. Additionally, when I have requested to schedule additional larger payments towards my principal without it going toward interest payments, I was generally not given clear information or a reasonable method on how to do so. I was told to mail in the additional payment such that it is processed on exactly the loan payment due date ( of which it is not possible to guarantee mailing time nor servicer processing times ) or call on the phone the exact day the standard loan payment is due, and for a fee, make an additional payment at that time. They offered no alternative options to make an additional payment against only the principal without incurring fees or a portion of the payment going to interest. Both of these experiences, with the servicer not following through with my requests for increasing the monthly debited payment to a minimum specified value, and not offering practical options for making additional principal payments, has resulted in negative financial consequences for me as the customer and financially benefited XXXX/Navient as the servicer. | ||||||
| 01/14/2022 | Yes |
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| My loans originated in XXXX with XXXX to attend XXXX University Online. I was granted a forbearance in XX/XX/XXXX, XX/XX/XXXX, before I made any payments. I called for help because spouse had lost job. I believed my loans to be Federal loans that would be able to get Nursing forgiveness but found out my loans were ineligible. I was never, by XXXX, Sallie Mae or Navient, told I could consolidate my loans into a Direct loan that would qualify for forgiveness. I wasnt made aware of that until last year when Covid came and I didnt qualify for the payment pause or 0 % interest. I did some research and emailed a lot of politicians to complain and listened to multiple XXXX videos. In XXXX of XXXX I completed a Direct consolidation loan and have applied for XXXX. They are telling me I have made 7 qualifying payments right now. I began paying on my loans XX/XX/XXXX with XXXX at $ XXXX. In XX/XX/XXXX they were transferred to Sallie Mae. In XX/XX/XXXX, I called due to financial hardship and was offered forbearance for 6 months from XX/XX/XXXX to XX/XX/XXXX, which was later extended to XX/XX/XXXX, which was extended to XXXX XXXX. In XXXX, I began payments in XXXX to XXXX when I began filing Ch XXXX bankruptcy which was discharged XX/XX/XXXX. My loans were transferred to Navient at some point in XXXX. I resumed payments XX/XX/XXXX and continued until XX/XX/XXXX. I was furloughed due to the Covid Pandemic in XX/XX/XXXX when I called Navient to see if I qualified for the payment pause or 0 % interest I was told my loans were NOT federal loans and did not qualify and they offered me 6 months of forbearance. During all these years trying to pay these loans and years of forbearance no one explained income driven plans ( and still havent ) and during all but 2 of these years, I received NO increases in salary. I have researched and seen that XXXX had to repay billions in loans for bad practices, XXXX University students have gotten loan forgiveness because of the schools bad practices. Now Sallie Mae/Navient are having to discharge loans. I have no way of knowing if my loans are in the ones Navient will forgive. Mine are currently with XXXX and awaiting to see if they count more of my payments as qualifying for XXXX. I have worked at a qualifying hospital for almost 25 years. I was financially XXXX by Sallie Mae & Navient for years. I currently owe XXXX. My original loan balance was XXXX. The payments I have made have all been approx XXXX or more/month. I want to know if my loans should have been included in the XXXX forgiveness or will they be included in the Sallie Mae/Navient debacle. | ||||||
| 02/02/2017 | Yes |
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| I graduated with my XXXX in XXXX XXXX in XXXX XXXX and have been working in XXXX since my graduation. I expected after my first 10 years of working, my school loans would be forgiven under the Public Service Loan Forgiveness Program. I consolidated my loans through Navient and paid {$1000.00} - {$1000.00} a month starting XXXX XXXX and was never late on any payment. I overpaid on student loans and should be 3 1/2 years into the proper repayment plan to be considered for Public Service Loan Forgiveness Plan. I was told multiple times before XXXX not to turn in my PSLF Employment Certification Form unless I changed jobs because there was no need to do anything. In XXXX XXXX, I turned in the PSLF Employment Certification because I changed jobs in XXXX XXXX and I wanted my ex-employer 's form to be in the system. For the first time ever, I was told by Navient that my loans should be serviced by XXXX if I was doing PSLF, even though I had spoken with them about it on several occasions. For the first time, I was also told that I was in the wrong plan. I was told by a Navient representative that I should be on an income-based plan and my payment would actually be more than {$300.00} lower a month. In XXXX, XXXX, I transferred to XXXX and I was placed on an income-based plan. I now pay {$720.00} a month. I have documents showing that I was in the 10 year repayment plan and I was told multiple times that I was in the 10 year standard re-payment plan which would have still made me eligible for Public Service Loan Forgiveness. I was told by Navient that the income- based plan was a much higher amount, which I could not afford. This did not make sense to me but I was told that my representatives from Navient so I believed them, and I was told that I was in a proper repayment plan for PSLF. However, XXXX is now saying that I was in the wrong plan and wo n't give me credit from XXXX for my Public Service and payments, even though I was making less back then and paying {$300.00} more a month than I pay now. I have documentation from, XXXX XXXX, XXXX, showing that I was in the 10 year plan. I over paid my student loans by over {$3600.00} a year because of Navient 's misrepresentations to me since I would have qualified for an income-based plan. Also, my Public service should have been counted from XXXX, regardless of what payment plan Navient placed me in because I paid more than my current income-based plan, and I was told and have documents showing that I was in a proper payment plan for PSLF. My wife also had a similar experience with Navient and is filing her own complaint. | ||||||
| 07/30/2017 | Yes |
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| Back in XXXX, we were reapplying for our income based repayment plan. On XX/XX/XXXX we received an email saying they received our information. On XX/XX/XXXX, we received a message stating that our forbearance/deferment was ending with no indication of the repayment plan but still indicating that our payment would be {$160.00}, which was what we were previously paying. On XX/XX/XXXX, we received an updated payment plan, which was switching us to standard repayment of {$270.00}. I phoned them asking about the status of out repayment plan renewal and was told that I could ignore the standard payment and needed to wait until the committee looked over my application. On XX/XX/XXXX, they emailed in response to my phone call stating they had my tax return information and that they have estimates of repayment but no guarantees and that it could take 14 days to come to a decision. On XX/XX/XXXX, we received another email that our repayment application had been received. On XX/XX/XXXX, we received 2 different emails stating that we were missing documentation. One was for a section of the application missing information and proof of income. This was despite being previously told they had our proof of income. OnXX/XX/XXXX, they enabled that they needed my husband 's signature. This prompted another phone call. On XX/XX/XXXX, they emailed us saying they received our proof of income and it takes 15 days to process. On XX/XX/XXXX, we received an email stating that we were back in standard repayment with the higher payment due. On XX/XX/XXXX, after we had emailed them trying to clarify, they responded saying they needed a signature from my husband, reapply, and proof of income. I called them the same day and was told that I had filed the application our incorrectly and not to worry because we were still in deferment. We promptly typed a new application with my husband 's signature and emailed it to them with a message saying that we already had proof of income and tax returns on file. On XX/XX/XXXX, XXXX XXXX from Navient emailed stating she had submitted a request to expedite our request received XX/XX/XXXX along with proof of income received onXX/XX/XXXX It also said a letter would be sent to us when a determination is made. Today, we received 2 emails stating that the application was missing information and proof of income. We emailed them tonight saying that was impossible because we typed the application and had it in front of us and they already indicated they have our proof of income. Meanwhile, XXXX, my other lender, has already approved my repayment plan without any trouble. | ||||||
| 03/02/2017 | Yes |
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| I believe my case falls under the predatory practices by Navient along with the XXXX XXXX of XXXX. The XXXX XXXX was sued but I have not recieved anything about my account from the school. I have so many issues with both companies and am at my wits end on both. I attended XXXX between XXXX and XXXX with which I had to struggle to finish as I had XXXX within 8 weeks-one being my grandmother on XXXX and another being one of my brothers from a tragic death and to put my oldest son into the hospital for trying to XXXX after his uncle died. It was a miracle that I pushed myself through my XXXX to finish. I do not believe I was fully counseled when I first applied to XXXX and do not feel like I got the help needed when I finished. I took their word on job placement, tuition, use of my degree, and applying for aid. I found out only about in-state and out of state tuition prices when my son started to apply for colleges in XXXX. I was not counseled on taking a degree part time would cost more than a full time degree in less time. I took their word on everything as they were the experts and they would n't steer a student in the wrong direction. Needless to say, I did receive an XXXX and can not get a job with it at all in the XXXX area. I was without a job-except for a short time that I offered myself as a XXXX. I was not paid-in hind site I was used again. I finally gave up and decided to go out on my own and try to make it work as my own business. During all of this time, Navient kept putting me into forbearance. I was never counseled on any other payment options until recently. So it has come to the point that my degree that should have been approximately only {$20000.00} total at the time for an XXXX tuition has now ballooned over {$85000.00}. When I downloaded the form that lists all of my loans and disbursement dates, I found something else that completely stands out as something is wrong -- -all loans are approx {$3000.00} but there are three that I was charge approx {$10000.00}. I do not know if this is a screw-up in accounting and the school just took it anyway? It just stood out like a soar thumb. I do not know how to go about finding what the amounts directly went to. Even though I do not have anybody as a co-signer, I had to put references and now my mother is constantly inundated with phone calls about my loans. She is elderly and has nothing to do with this. I tried to remortgage my house to roll the loans into that payment with the equity I have built up, but I can not remortgage due to my credit with the student loans. HELP PLEASE! I do not know where to begin. | ||||||
| 12/28/2021 | Yes |
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| Graduated XX/XX/XXXX from XXXX University with XXXX XXXX XXXX XXXX Began repayment after graduation and have paid every month without missing. Worked at non-profit from XXXX thru XXXX In XX/XX/XXXX applied for loan forgiveness after working in non profit for 10+ years when the program was first available. Had sent employment certifications multiple times, with acknowledgement of receipt. Shortly after submitting all employment verification I received a short letter that I was not eligible due to the wrong type of government loans. Upon calling Navient to follow up I was told that I could start over with the count if I changed my loan. I spoke with a representative that I had been paying 14 years and another 10 would put me at the end of my loan. Navient offered no solution, no help through the process. I was never informed it was a non-qualifying loan. XX/XX/XXXX @ XXXX I called Navient at XXXX and Spoke with XXXX XXXX I let her know with the waiver, I would be reapplying for the PSLF. I requested a refund for the payment amounts due to COVID forbearance eligibility. She affirmed I could request a refund and even stated the date would be from XXXX XXXX. She told me this was due to the disaster forbearance and calculated the amount from XX/XX/XXXX to present to be {$6100.00}. She confirmed my address. She then went on to tell me immediately upon the refund Navient would be reporting the account as delinquent and since it was for the given timeframe it would immediately be report to the credit bureaus for being greater than 90 days delinquent and would have a 6 % fee for delinquency of about {$500.00} which would be due immediately. For the fear that Navient insured, I held off on getting my refund for payments. My loans have been transferred to federal loans with a consolidation date of XX/XX/XXXX. My PSLF application was acknowledged as received XX/XX/XXXX. I am currently awaiting a loan count ( which should be around XXXX with the waiver ; XXXX over the XXXX due ) and forgiveness. With fear of doing something wrong again or missing a step I have followed up with XXXX XXXX and with legal counsel. XXXX XXXX rep told me I was misinformed by Navient and owed a refund- that I never should have been told that due to the disaster forbearance. I, like many borrowers, have been very misled and misinformed by Navient. I have tried to follow processes but offered no help and blatantly lied to. I am requesting a refund of overpayment on loans as I completed my 120 payments in XX/XX/XXXX and worked with two qualifying employers. Thank you for your time and consideration. | ||||||
| 02/23/2017 | Yes |
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| I had taken a series of loans to help pay for my XXXX from XXXX XXXX University. In XXXX XXXX, my husband and I were going through a very difficult financial period. We were in the process of selling our home ( to avoid the possibility of foreclosure ), as well as dealing with XXXX health issues related to our daughter. I called Navient and explained my situation asking for assistance as my student loan payment were approximately {$450.00} per month. The representative stated that while there were programs available that would reduce my monthly payments, if I could find a way to modify my budget and pay a bit more, I would actually qualify for a Federal Subsidy program. This program would require me to go on a Income Based Repayment plan, payments would have to be made on time every month for three years, I would have to set up auto withdrawal from a bank account, but, in return, I would get all of my interest back each of the three years of the program. Looking at an almost $ 50K loan, the idea of being able to save $ XXXX in three years definitely made it worthwhile. So, I picked up lots of extra work ( XXXX and XXXX - XXXX ) to make up the monthly difference. XXXX XXXX, XXXX ( the date I was told I would receive my first reimbursement check ) came and went with no reimbursement of the interest paid. When I called to inquire, I was told that research had to be done to find out why I had n't received the check. A few more months went by and still no response from Navient nor a check. Then another call to Navient, and again, research had t be done to find out why the check was never sent. Fast forward to XXXX XXXX. I was told to call back XXXX XXXX and they would have an answer as to why it I have n't received the check. Today is XXXX XXXX. I have been told that I will not be receiving any interest money back because it was part of my monthly payment. So, since I had been paying the interest all along, I am not entitled to receive any back. The Navient representative I initially spoke to in XXXX of XXXX point blank lied to me. He told me that by signing up for the higher payment on the IBR plan that I would receive all of the interest back. This is immoral, unethical, and downright fraudulent. I NEVER would have agreed to pay almost {$100.00} more per month were it not for the fact that I would have nearly $ 10K credited back to my loan. As Navient has already been cited for practices such as these, I want my experience added to the complaint. I am SO furious, and all the representative would say was, '' I 'm sorry, but there 's nothing I can do. '' Unbelievable. | ||||||
| 10/13/2020 | Yes |
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| My complaint is against Sallie Mae , Inc. and XXXX XXXX XXXX XXXX. I previously had a student loan through Sallie Mae that was paid/satisfied for {$940.00}. My bank, XXXX, was able to confirm this on a credit report from XX/XX/XXXX, when I was working with them as a first-time homeowner. In order for them to finance my house I could not have any open judgements. I'm currently in the process of selling the house that was financed. On XX/XX/XXXX, my realtor stated that the closing attorney located a judgement against me that would need to be paid from my closing proceeds. He sent me a copy of the judgement and it was the same one from Sallie Mae that was paid/satisfied years ago, except it had accrued interest. The balance was now {$2000.00} ( {$2000.00} by the time of closing ). When I contacted Sallie Mae they stated they had no record of the loan. They transferred me to Navient who also stated they had no record of the loan, so they transferred me to XXXX. XXXX was able to verify that the loan was sold to XXXX XXXX XXXX XXXX, so I requested that they contact me to discuss. When I spoke with XXXX XXXX XXXX XXXX they stated they received the loan for collections in XXXX from Sallie Mae and had no record of a payment. I told them about the loan showing paid/satisfied on my credit report 7 years ago. The representative stated the credit report and/or a statement from the bank was not enough. I would have to provide a copy of the actual payment directly to them or Sallie Mae. The representative was very rude and stated " the issue is the loan was never paid in the first place '' meaning she did not believe me. I have been calling XXXX XXXX XXXX XXXX and Sallie Mae for over a week trying to resolve this issue. None of the information or lack of information from both companies makes any sense. Since the judgement was sent to my County 's Clerk of Court for civil processing directly from Sallie Mae , Inc., they should have a record of my loan account and the payment history. I just moved out of the house into an apartment for the closing, so all of my previous mortgage and student loan docs are in storage. XXXX stated they would try to search my checking account for transactions. However, it could take awhile since I'm unable to provide any actual payment dates. I graduated in XXXX and the loan had to have been paid off between then and XXXX. The sellers closed on the house today and the loan payoff was taken out of my closing proceeds. I would like CFPB to investigate this unfair business practice of trying to collect on a loan that has already been paid/satisfied. | ||||||
| 05/04/2022 | Yes |
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| I have been calling Navient to confirm that My Tuition Answer loans were part of the multi state settlement that stated that the loan would be cancelled under certain conditions. When I talked to multiple people they stated that I am not part of the cancellation. However this is untrue. 1. My Loans were taken out from Sallie Mae between the time frame listed. I took out Sallie Mae Tuition loans between XXXX. 2. My loans were subprime. My credit score was well below the XXXX threshold. Hence the cosigner that was assigned. In the Multi State settlement it states that I fall under the cancellation for Category 3 Criteria. " Any non traditional private educational loan with an outstanding balance and in past due status as of the debt relief forgiveness date '' after 2002. I defaulted on these loans. They were past due. Sallie Mae XXXX Navient had to take me to court and they wrote off 71 % of the balance, and then told me that they would be in default status. In the court documents it states any non traditional loan that was made to a borrower with a FICO score below XXXX to attend a public or private university that was non profit. When I told them that I fall into this category they stated that they would not be forgiving my loans, because I do not fall into that category and they only are forgiving loans that are from Category 2 For Profit schools. This is in the face of the court documents that show Appendix A : Private Loan Relief, for Category 1 - All Opportunity and Recourse Loans, and Category 3 Non Traditional with subprime credit scores. There are 5 tuition answer Sallie Mae Loans that fall under the Category 3 - Non Traditional subprime credit category that should be cancelled under this agreement. Furthermore, One Customer Service Advocate or Representative told me that I may be part of another lawsuit under XXXX XXXX Navient, and that any payments I made after the bankruptcy may be refunded back. Not limiting to XXXX, Navient should remove the loans from my credit report, and cancel the debt. IF later XXXX vs Navient determines that money is owed, then also should they return any money back. I am asking that 1. Navient Immediately follow the XXXX guidelines and cancel these loans. 2. If XXXX succeeds in XXXX vs Navient then they can repay the money owed at a later date. I understand that I am part of both lawsuits against Navient XXXX Sallie Mae. However, right now Navient needs to cancel immediately the loans under the first Multi State Settlement against Navient. Later they can determine the repayment owed under XXXX vs Navient. | ||||||
| 01/29/2016 | Yes |
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| I took out a private loan while attending XXXX in XXXX PA with XXXX XXXX after being told I had to or go home that night, I was told it was my only option. I signed the documents not knowing or understanding the terms of the loan, i feared i was going to lose everything I had worked for up to that point. When I found out the loans were being charged over 20 % interest after I left school I tried to get them at a lower rate but no banks wanted to touch them. I finally got XXXX XXXX to reduce the rates to 13.5 % but it still was n't enough. I continued to struggle and for 31 months I was unemployed and my only option provided by them was forbearance. When I went back to work I continued to struggle to pay the loan. Fast forward to now and recently I spoke with a manager at the new branch of XXXX XXXX, Navient, name XXXX XXXX. He told me info for the first time that was denied to me for the entire time I was struggling with payments, my original loan amount being the {$21000.00} and that I had paid {$43000.00} on the loan while I was making the payments. He also informed that I currently owed " a little more than {$26000.00} '', after the initial rep said {$28000.00}, and that I was scheduled to pay {$350.00} a month until XXXX of 2029, this totaled {$100000.00} on the original {$21000.00} loan. I then told him I 'd like to settle but he said I 'd have to make a payment of whatever amount I committed before it would be accepted. I told him I 'd have to see what I could make available and after number crunching the loan amounts the payout on the loan, it would have been a total of {$46000.00} by the initial rates had I been on time and rated at the 10 years I thought it was. I thought I would then offer the difference of ehat i paid and the original loan, was informed it was actually 15 years and it 's been XXXX so I was confused why it was still so high if 6 years from now is the pay off but I 've already paid almost everything? I tried for several days to reach XXXX XXXX but he was unreachable, he called back once after I had left a message saying I 'd be unavailable after a certain time, coincidentally it was during that time. I decided to call the main center they have set up and was continuously told he 'd be on the line soon when a woman named XXXX XXXX picked up. She was n't interested in numbers nor my offer to pay the remainder of the original note citing the forbearance as the reason it once again inflated to XXXX. I was told I could set myself up again in a program to pay it off but I ca n't continue to struggle and get no where in this loan, i need help ... | ||||||
| 10/16/2015 | Yes |
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| I am the step-father of an adult daughter, and cosigned a school loan in XX/XX/XXXX for ger. Her and her husband filed bankruptcy in XX/XX/XXXX, I was never notified of this, by any party in any form. In XXXX of this year, Navient informed me that the loan and all of its capitalized interest is now solely in my name, based a bankruptcy judgment. It was the first time I even knew that there was a bankruptcy. If I had known the true state of the loan in XX/XX/XXXX, this loan would not be double the amount and at a high interest rate. I had many options in XX/XX/XXXX on what to do about it. But I was denied that opportunity. No one I 've talked at Navient will state that they should have let me know about the bankruptcy. I received no correspondence, notification, nor personal contact that this loan was fully in my name and not being paid on during the time of the bankruptcy. I 've reviewed the Promissory note I co-signed for this loan, and the particular policies that Navient has invoked to keep me ignorant of the state of this loan are not part of that contract. It states the co-signer responsibilities, and the fact that the loan is not eligible for bankruptcy forbearance. It does not state that Navient will deny information about the loan to me based on a filed bankruptcy ( which is what happened when I contacted XXXX XXXX and then Navient based on my credit report findings ). I have had this loan fully on my credit report during the time of the bankruptcy. During that time, I called Navient to question the accruing loan balance on my credit report, and they would only tell me the loan was in my name, and it always had been, and that there was no other signer of that loan. My assumption was that the records were incorrect at Navient or the credit report. The bankruptcy was never made known to me till I called Navient after receiving a billing statement this past XXXX. My credit score dropped over XXXX points since last year at this time. I was turned down for a refinance during that time. In XX/XX/XXXX, I was given a government clearance based on the fact that I stated that I was only a co-signer for this loan, which again I assumed the credit report had it mistakenly listed me as the loan-holder. I was not provided any options or opportunity to address this loan when this bankruptcy first occurred. XXXX/Navient actively kept me from knowing of this when I contacted them about the credit reporting. The only contact I had with Navient was what I initiated, and it was full of deception or incompetence that prevented me from determining the state of this loan. | ||||||
| 07/30/2019 | Yes |
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| My loan was consolidated with Navient/Sallie Mae on XX/XX/XXXX due to my previous loan servicer, XXXX XXXX dissolving. Once I was notified via mail to confirm the consolidation and my payments began, I contacted Navient/Sallie Mae to begin submitting my employment verification once the Public Service Loan Forgiveness Program became effective on XX/XX/XXXX. Many years after processing all of my payments and documentation of work history, they began telling me that I was ineligible for the program when I began applying for the Teacher Loan Forgiveness Program sometime in XXXX to have some relief on the amount I was paying every month toward my loans. They kept telling me that my application for the Teacher Loan Forgiveness Program was being denied, but never disclosed that my loans were dispersed as Family Federal Education Loans and needed to be consolidated with another servicer in order to be coded as Direct Loans to be eligible for both the Teacher Loan Forgiveness and Public Service Loan Forgiveness programs when they were well aware of this information. Navient/Sallie Mae serviced my loan from XX/XX/XXXX through XX/XX/XXXX and never once disclosed this information to me! I only became aware of this information after speaking with a XXXX XXXX XXXX Representative after re-consolidating my loans with them due to Navient 's egregious servicing practices including losing documentation necessary to process loan forgiveness applications, failing to process documentation and applications in a timely manner, and providing misinformation over the duration as servicer of my loans. To add, their dishonesty about submitting documentation correctly for the TLFP and about being aware of the type of loan I had was verified because shortly after I consolidated with XXXX XXXX XXXX, my application was submitted and approved. I have paid Navient tens of thousands of dollars toward my loans, thousands of dollars toward interest, and have been paying on loans for over two years ago that would have been forgiven had they acted ethically to disclose information to ensure my public service loan forgiveness application was accepted. I would like them to dissolve my loans because had it not been for their negligence, my loans would have been completely forgiven over two years ago. Additionally, I contacted Navient twice to receive a comprehensive payment history and they failed to provide documentation clearly listing each payment made so that I could calculate an accurate number of just how much I have paid them. I have included both documents they provided as responses to my requests. | ||||||
| 08/31/2016 | Yes |
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| I was forced to take out private loans in order to continue or finish my degree. XXXX XXXX had already maxed out, so to speak, the amount of money I could borrow from federal loans and the rest had to be loaned from private banks. Nearing graduation, about a week before graduation, I received a letter from XXXX stating that I owed an extra {$14000.00} that was credited to me by the school, and that I had to pay said balance to be able to graduate and receive my diploma. I used my life savings and wrote them a check for {$14000.00} and gave it to the finance department. In the end, I had all my transcripts for graduation but my diploma was not provided. I walked my graduation with the worthless transcripts in my diploma folder. I never went back to pick up my diploma as it was worth absolutely nothing. My resume lists a XXXX XXXX from XXXX but no employer or future employer has ever recognized me as having a real XXXX XXXX. At this point it hurts my reputation to put XXXX on my resume as education. The debt has crippled me financially and ruined my credit while lowering the possibilities of gaining approval from potential employers. I feel like I 've missed out on a decade of my life. In retrospect, I would have rather attended a XXXX college and transferred to a regionally accredited XXXX College instead. XXXX predatory behavior and even harassing phone calls asking to come back to school were hard to ignore and I and many others were stuck in a program that would eventually lead to crippling debt and no value whatsoever. I was already working in the field of study before starting XXXX and I did not learn anything new during my entire program. In fact, the material and books in some cases was about 10-20 years old. The books were not real text books, they were written by alumni and seemed to be published by XXXX own publishing companies. XXXX educators were often unqualified to teach. Many instructors were previous grads who were trying to pay down their debts to XXXX themselves. The computer labs and equipment were outdated and in most cases did not work at all. Anyone who attended classes was given a passing grade. XXXX admitted anyone regardless of mental capacity. There were people in my classes who could barely read out loud from a book. To conclude, XXXX XXXX was an elaborate scam. They scammed the government and taxpayers as well as individuals hoping to better their futures and contribute to the economy and workforce. XXXX XXXX was a lucrative investment only for it 's shareholders and wealthy executives, education was the least of their priorities. | ||||||
| 08/27/2016 | Yes |
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| I have a complaint with a company that is no longer in business, XXXX XXXX XXXX and with the servicer of my loan, Navient. I graduated from college in XX/XX/XXXX with XXXX fed loans totaling {$91000.00} at 8 % interest. First 2 years I had deferred my loan since I was starting out in practice and not making a lot. I started paying the loan for 2 years. In XX/XX/XXXX I was advised to consolidate and start in an XXXX ( income based repayment plan ). The XXXX is a plan you pay for 25 years and after the 25 years the remaining is forgiven. This was with XXXX. I started with this plan and was paying into this program. In XX/XX/XXXX a third party company contacted me XXXX XXXX XXXX ( XXXX ) and told me since I was a XXXX working in the public and providing public service I would be qualified to sign up with the PSLF program ( Public Service Loan Forgiveness Program ). This is an IBR program where you pay for 10 years and then what is left is forgiven. They connected me with Navient and both companies agreed and assured me that I was in this program and I was well qualified. I also contacted the Fed loans servicing department and asked if I would be qualified for this program and over the phone they told me yes so I signed up with this program with XXXX and Navient and paid XXXX {$1000.00}. Last year I contacted Navient to confirm I was in the program and how many years I have left and they told me I was not in the PSLF program ( I did n't qualify because I am not a non-profit ) and that I had started over with the 25 year IBR program in XX/XX/XXXX when I switched to Navient. They had never told me I needed to be a non-profit or a not-for profit, just that I had to be in the medical field working with the public in a depressed area. Even the Fed Servicing Dept had asked me several questions and assured me that I was qualified and never asked if I was a non-profit. They just asked my specialty and if I work with the public and provide public educating. Now I should have 13 years of 25 credit paying into the IBR program but I only have 2 years credit. I have lost 11 years of credit. I feel that I was tricked, misled and lied to about this program. When I tried to find XXXX they are out of business because of fraud and scams. I began with {$91000.00} in loans, I have paid close to {$90000.00} over the years and I still owe {$190000.00} right now with the 8 % interest. I feel trapped and with no end. I feel that Navient should be part responsible for agreeing with this XXXX and they should give me back the 13 years of credit I should have with the IBR program. | ||||||
| 06/20/2018 | Yes |
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| In XXXX of XXXX I was behind by a payment on seven private loans with Navient, so I called to make a payment and find out what options I had on dealing with the issue. XX/XX/XXXX I spoke with a representative named XXXX who helped me apply for forbearance and request a rate reduction program. I made a payment of {$450.00} to bring my account current and specifically asked her if I needed to do anything to ensure it wouldn't affect my credit report ( as nothing had been submitted yet ). She recommended making an additional payment to ensure it doesn't go past due while I was waiting for approval of the rate reduction program. I made another payment on the same call for {$300.00}. As part of setting up the program, I also set up autopay to have {$450.00} paid on XX/XX/XXXX and XX/XX/XXXX to keep the account current while I was pending the program. Those payments both came out as well on the respective dates. XX/XX/XXXX I noticed that a delinquency was posted on my account ( per XXXX ) and I was confused because I was told by XXXX that this wouldn't happen and I hadn't lapsed in payments. XX/XX/XXXX I called Navient and spoke with a manager in collection named XXXX. I explained what happened and asked about the credit reporting and he said they were " backed up and they falsely reported '' the delinquency. XXXX told me that " the collection will be reversed '' and on " XX/XX/XXXX theyll rescind the delinquency ''. He also informed me that I was approved for the rate reduction program and would be paying {$450.00} a month with 3 % interest rate on all of my loans for the next 6 months. XX/XX/XXXX My credit report still shows a delinquency so I called Navient again to follow up on the issue. I spoke with XXXX ( ID # XXXX ) who read my account notes and said there is a note that they requested it changed and late fees should be removed. She transferred me to a manager named XXXX ( ID # XXXX ) who said there was nothing he could do about reversing a delinquency. He said he would add notes to my account and request a review from an ombudsman who would review the calls I referenced and determine if my complaint was valid. He told me this person would reach out in 2-3 days at most and it's been a week and I haven't heard anything. XX/XX/XXXX I also submitted disputes with XXXX for the four loans that show as delinquent. I don't understand why it was only four loans since I have seven loans with Navient. This makes me think they were applying my payments to only some loans and not all of them, therefore allowing some to go into delinquency for a couple of months. | ||||||
| 05/03/2018 | Yes |
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| I am writing to advise of an ongoing discrepancy on my 3 credit bureau reports ( XXXX, XXXX and XXXX ) caused by Navient/ Navient Solutions ( formerly known as Sallie Mae ). They are currently reporting an account and associated loans as a profit and loss write-off, with the current balances due. This account/loans were for Private Student Loans, which are unsecured loans and not federally funded. Their website indicates that the first payment was due on XX/XX/XXXX and no payments were ever received. As you are aware, there was no grace period on these private student loan. I have made multiple requests, over the past several years, for copies of any promissory notes and/or contracts bearing my handwritten signature, but none have been provided to date. Given these facts, I assert that Navient/Navient Solutions ( formerly Sallie Mae ) is currently in violation of the FCRA as described below : Per FCRA 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. The 7-year +180 day period which is allowed under FCRA began on XX/XX/XXXX and has since expired on XX/XX/XXXX. Regardless of Navient 's choice to officially charge off the account/loans at a later date, my protection under this rule should not change. I therefore requested that the account and all associated loans be deleted from my credit report with all three credit bureaus ( XXXX, XXXX and XXXX ) IMMEDIATELY, with written confirmation sent within 30 days. I also request that Navient ( formerly known as Sallie Mae ) and its assignees refrain from any and all collection activities including credit reporting at a later date. Failure to remove these accounts constitutes a violation of the FCRA. | ||||||
| 01/20/2017 | Yes |
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| I was a XXXX mother who wanted to take care of my son without using the system. I decided to go back to school and decided to become a XXXX. I chose a school at the time called XXXX in XXXX Washington. I did n't realize that XXXX would cost me a arm and a leg and would also put me in a financial hardship that would cause me not to be able to get a home loan in the future. What took place is no one told me that XXXX cost well over the actual cost of other programs at local XXXX colleges for XXXX. XXXX cost was {$13000.00} per student and other colleges which also offered XXXX degrees cost {$8000.00}. I attended XXXX and took out loans because the financial rep said that all I qualified for at the time I never attended college and believed her. I started to have hardship because I needed to work and the program only offered a early morning session and a late evening session so I had to ask for a leave. NO ONE told me that taking this leave I would still be responsible for the whole loan! When I decided to go back and finish the program the school location changed and so did the name it was now called XXXX! Well XXXX had me go through everything all over again and since I had attended the school in the past I was supposed to get a huge deal NEVER happened another {$13000.00} plus but I finished and found a job without their help! I thought I would be done with these type of schools and lenders lending to these types of schools that lie just to fund THEIR employees and pocket money. I decided after being a medical assistant I wanted to get a CAREER I looked into schools for the working person and found XXXX. I researched and researched being that XXXX XXXX XXXX was a student and Alumni I was like okay this may be a great school. Another school that told me you qualify for nothing but LOANS, now I owe {$60.00} in student loans I have my XXXX I only make $ XXXX I am barely making ends meet, I do have my XXXX, however its in XXXX XXXX and NO ONE has yet to hire me with it. I cant seem to offered to pay my student loans, I cant get qualified to buy a house the lenders ONLY see the student loan debt. When I called Navient and asked why was I only qualified for loans when I am very low income they said because of the school I chose to attend. IF this is the case being that all lenders get borrowers information why not red flag and say NO this student should continue to look into higher education that would be more beneficial to them financially. I have a degree I cant do anything with and I cant afford to pay anything back I am stuck in one space praying for hope! | ||||||
| 06/16/2020 | Yes |
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| My complaint is against Navient- student loan services, I have contacted them a few times in the past back in XXXX regarding my student loan account. I have requested for Navient to send me a bill each for my interest that is accruing on my account each month that is not being paid by the government. And they claim they can not provide me with that, in which I find that very unfair that Navient can charge me interest and they can not provide a monthly statement of my interest. I have never heard of such thing, if a consumer borrow money from any financial institution then it is the lender responsibility to provide the borrower with not just a statement showing the amount owed ( all added up into one balance ), but the lender must be able to provide a statement showing the monthly amounts itemized out on the statement. Just like on a credit card, the creditor provides a monthly statement with current balance that includes any recent charges including the interest that was charge for that month 's period. As Navient continues to adds interest to my student loans accounts along with reporting the added interest to the credit bureau showing that my balances on my loans are increasing, which can and is causing a negative effect on my credit utilization on my report, which in terms affects my credit score. As I had notice this and I can be paying my interest on my loans every month, I requested that they send me a statement showing the interest that is being added monthly, giving me a consolidate/ combine interest is not going to suffice, but they refused and expect me as customer to calculated previous statement to get my interest ... NO!! I will not! So therefore, Navient needs to provide me with a monthly interest statement showing me what interest has been added to my loans for that month. It is not my job to be their computing system and calculate my own interest every month, they need to do that. And stop providing a lump sum total of all my interest without showing me the interest for that months period. As a lender Navient is supposed to provide accurate, detailed, itemized information to the borrower. I want to know every month, not every three months, because Navient reports to credit bureaus every month, so therefore I want to see it every month what the amount of interest that is being added to my account and I want to see it on my statement separately, so that it can be paid monthly. I will not do their job for them, because its not my job to do its only knowledge for me as consumer/borrower if indeed I wanted to know how my loans are being calculated. | ||||||
| 02/19/2016 | Yes |
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| I attended XXXX XXXX University in XXXX XXXX, Florida. Went through a divorce and filed bankruptcy due to the new bankruptcy law in XXXX private loan are not discharge unless extremely hardship. After my bankruptcy discharge I contact my federal student loan to make arrangement to pay by income-based which is fine. Couple of months later my private loan lender sender me a notice that my forbearance had ended and send me payment due for XXXX % more than what I was paying my federal student loan which is double amount owed. So I did a request for repayment option on all three of my private student loans it was denied saying that I have used the maximum time allowed. There the existing repayments plan remain in place since then I made a payment each month not what they want but I pay them four time amount of my federal loan amount until last month. It my fault I missed sending payment in for XXXX XXXX. On XXXX/XXXX/XXXX Navient staff and employee XXXX XXXX had snoop to the point of calling my place employment this number is not listed as a contact number. On XXXX/XXXX/XXXX one of my co-workers gave me a message from Navient XXXX XXXX called XXXX ext. XXXX. I called the next day when I received the message. XXXX XXXX was not in yet so I talked to XXXX XXXX and I had verify my credentials and she said all they want is a payment and I told her all I want for you to not call my place of employment. You 're calling my house and cell phone constantly all time of night and weekends now you are harassing me on my job. I told her to take me to court and quit calling my job she said as long as I owed them money the law said they have the right to call my job until I pay. I told her I am going to report them she said she going to put me down as refusal to pay and I hang up the phone. At noon this same day XXXX XXXX called for me and my co-worker transfer me the phone and said I told him I told your guys not to call my job and said I do n't want to hear about I need you verify your information first then he proceed to talk about payment and said I told you I am at work and said then you need to called me and make arrangement to pay. I said he cut me off and said well when are going to called me. I have been paying on these loans it may not be as much as they want but this does not give them the right to call and harass me on my job when I ask them not to call me there. Why these private student loan companies was given special privileges protection during bankruptcy proceeding had went to their deep pockets and they do n't care what methods used to harass us get their money | ||||||
| 04/14/2017 | Yes |
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| XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am contacting you for your assistance with a problem I am facing with XXXX/Navient. I qualify for the full {$17000.00} teacher loan forgiveness toward my student loans. I have worked in a qualifying school district in Special Education for the required amount of time to receive this forgiveness. In XX/XX/XXXX, I applied for {$5000.00} loan forgiveness for my years teaching in a qualified district. The first form I sent in was returned to me several months later denied. I sent another form in to XXXX and it too was denied. During this time, XXXX reported me to credit agencies as having not made a payment in over XXXX years. Immediately, my credit was ruined. My insurance premiums went up, my credit cards lowered my limits, and halted my home refinance plans. I contacted an ombudsman to handle my complaints against XXXX. Because I had retained all the information XXXX had sent me over the years, I was able to prove my loans were not in default, and the ombudsman made XXXX retract the information they sent to the credit agencies. It took me several years to build my credit back to my previous score. The ombudsman also offered to send my third application in for me, and this time it was accepted, and I received {$5000.00} in teacher loan forgiveness. It took over a year and an ombudsman 's help for XXXX to approve my application. The ombudsman told me if I worked in a Special XXXX classroom for XXXX more years, I would be eligible for the remaining {$12000.00} in loan forgiveness. Last fall, I applied for the rest of my teacher loan forgiveness. It was returned to me with XXXX reasons why I am not eligible. I contacted another ombudsman to assist me with the application, and was informed they no longer help in that area. My district completed a new application, and on XXXX I sent it to Navient along with my rebuttal for each of the XXXX denial reasons. I received an email XX/XX/XXXX, stating my application was received, but I have heard nothing since and they are continuing to collect interest. A copy of the email is attached. Navient has made it almost impossible to receive teacher loan forgiveness. By denying forgiveness and dragging the process out over months and years, they are ensuring they can collect interest for longer periods. I would appreciate any assistance or advice to help expedite this process. I am sending a copy of my second application, their denial letter, my response, and the letter from XXXX in XX/XX/XXXX announcing I was eligible for the {$5000.00} forgiveness. Thank you so much, | ||||||
| 01/02/2019 | Yes |
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| I have two private loans in good standing with Navient ( XXXX Signature Student and XXXX Signature Student ). Navient has reported both of my loan accounts as being 60 days past due as of XX/XX/XXXX to each of the three credit reporting agencies, XXXX, XXXX, and XXXX. My credit reports clearly indicate that, according to Navient, my loan accounts were 60 consecutive days past due as of XX/XX/XXXX. I have NEVER allowed my accounts to go 60 days past due in XXXX even though that is what Navient is reporting to the credit bureaus. Because of Navient 's harmful, unfounded and unorthodox credit reporting practices, each of my three credit reports indicates that I was past due for 60 consecutive days on each of my loan accounts as of XX/XX/XXXX. My loan accounts have NEVER been 60 days late in XXXX yet that is what Navient is reporting to XXXX, XXXX, and XXXX. I wrote an email to Navient 's CEO, XXXX XXXX, on XX/XX/XXXX explaining the problem and alerting him to the erroneous and harmful information that was being reported by Navient to my credit reports. He did not respond to my email. However, a Customer Advocate was assigned to assist me in investigating the errors on my credit report. The Customer Advocate assigned to assist me goes by the name XXXX ( a.k.a. XXXX ) and her ID # is XXXX. I gave XXXX all of the necessary information to investigate the issue and she confirmed that I was NEVER 60 days late in XXXX but rather I had a late payment in XX/XX/XXXX which allows Navient to report a 60-day late in XXXX for the month of XX/XX/XXXX. She justified and validated Navient reporting my accounts as 60 days past due even while admitting I was never 60 consecutive days past due in XXXX. I find these credit reporting practices to be extremely harmful, tyrannical and devasting to American consumers. In the face of the lawsuit filed by the Consumer Financial Protection Bureau in XX/XX/XXXX, Navient continues its harmful practices of unfair and unfounded credit reporting and misallocated payments. My loan accounts were NEVER 60 consecutive days late in XXXX and I demand that my credit reports reflect that. Unless my credit reports are corrected immediately, I will be filing a formal complaint with Attorney General XXXX XXXX and the Delaware Department of Justice as well as the Illinois and Washington attorneys general who are already in litigation with Navient. Not only that, I am fully prepared to organize a class action lawsuit against Navient to protect American consumers from becoming victims of Navient and it's flippant, harmful and negligent business practices. | ||||||
| 01/31/2017 | Yes |
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| As an employee of a state agency for the last 8 years, I have been counting on the federal loan forgiveness program. I consolidated my loans with an income sensitive repayment plan with this in mind in XXXX ( and made my intentions clear to XXXX XXXX ). In XXXX I submitted the eligibility form so I would receive updates on when the loan would be paid off. I received notification that I did n't have the correct loan type to qualify. My public service from XXXX - XXXX would not count toward my 10 years of public service loan forgiveness. In XXXX after receiving the ineligibility notice, I requested consolidation to the correct loan type. I was recently separated from my husband at the time, though not legally, and was told that I would have to include my estranged husband 's student loans in my consolidation. So my consolidation was put on the backburner for the 2 years the divorce proceeded. Within a week of the divorce being final in XXXX XXXX, I went to apply for the consolidation to qualify for loan forgiveness. The instructions said if I was divorced and my income changed ( compared to the prior year 's tax returns ), that I could not apply online and I needed to call to complete the application. When I called, they said to just put my current income and make a comment that the divorce was the reason for my income difference. Very unofficial, which makes me now think that I could have done the consolidation without my estranged husband 's loans 2 years prior. Additionally, in XXXX, I requested a hardship forbearance while my new consolidation was being processed because I was preparing finances from the divorce, court ordered to be due by XXXX XXXX. Navient told me I no longer qualified for anything that would help postpone or reduce payments because I had been on income sensitive repayment for too long and had exhausted all forebearance/payment reduction options available to me ( from now and for the lifetime of my loan ). So in XXXX I just did n't make my loan payment because I needed the money for the divorce, and intended to pay a late fee. I received an email from Navient telling me to reply to the email and I could get forbearance. Why could I get it then, but not when I requested it a month before? Here we are 1 year and 1 month away from when I would get student loan forgiveness for working in the public sector for 10 years, and I just made my first qualifying payment in XXXX of XXXX. Because of the absolute erroneous information I 've received for the last 9 years from XXXX XXXX and Navient, I am now *still* 10 years away from loan forgiveness. | ||||||
| 01/26/2017 | Yes |
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| I graduated from XXXX school in XXXX with student loan debt of around XXXX. Shortly after, I received separate bills from many lenders. To make it easier, I consolidated them all with XXXX XXXX in XXXX, XXXX and enrolled into an ICR ( Income Contingent ) because I was a XXXX a making only XXXX a year. Several times they suggested that I go on financial hardship and defer my loans. XXXX XXXX did not tell me that the interest would accrue and be capitalized. Also, XXXX XXXX did not inform me that once you consolidate you ca n't ever refinance your loans - my interest rate is at 8.25 %. Finally in XXXX, I transferred my loans to Direct Student Loans hoping I could refinance at a lower rate and still was on the ICR payment plan. Direct Loans in turn sold it back to XXXX XXXX in XXXX and never got to refinance. During these years, I have been working in XXXX XXXX to make more money to pay off my loans. However, there is a high turnover rate and I am unemployed almost every 2 years. XXXX XXXX would put me on unemployment deferment over and over and again - the interest would accrue and capitalize without any explanation/counseling on how this works. From XXXX XXXX, my loans were under ICR plans both with XXXX XXXX and Direct Student Loans for a total of 16 years. Navient told me XXXX that during the years my loans were with Direct Loans they would not count those years for ICR. Also, those years while they were with XXXX XXXX - those ICR years do n't count either, because they said " Navient is a different entitity and XXXX XXXX no longer exists ''. Under ICR after 25 years my loans should be forgiven - where did my 16 years of payments on ICR go? XXXX, I was unemployed again. I called Navient and they suggested I changed to an IBR plan because he found no records on my ICR plan because, " XXXX XXXX no longer existed and they do n't have those records ''. This was a bait and switch because in my next statement my loans went up XXXX in one month. I called and they said it was because I switched plans ( which they suggested ) so the interest accrued and capitalized. My loans have ballooned from XXXX to almost XXXX and the repayment plan years for forgiveness have reset under IBR. At age XXXX and recently XXXX, I will never be able to pay them back and am again unemployed with no retirement or savings. I was the only one in my family to go to college, had no idea what I was doing with regards to student loans, and was never counseled or received loan education. Their predatory lending has ruined my life and am seeking full resolution for their deceptive practices. | ||||||
| 12/10/2021 | Yes |
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| This matter began XXXX, XXXX, after requesting a new Natural Disaster forbearance with my loans held by Navient. Please contact me urgently regarding this matter, I am filing a grievance today with the Consumer Financial Protection Bureau, as Navient has requested unethical information of me to process a Natural Disaster Forbearance after suffering from California Wildfires & floods in XXXX & XX/XX/XXXX ( XXXX XXXX XXXX XXXX, respectively ) ; with no right or reason to run a credit check for requesting a Natural Disaster Forbearance on my loans. No other lender has done this at any point in time, and this is highly unethical and quite plausibly, not legal. Additionally, I am not requesting credit, and my credit state is very poor due to the long term hardships experienced both with COVID and current Natural Disasters in California, which has severely affected my income. Further, Navient and its representative XXXX XXXX, has outright refused on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to contact me via phone to resolve this matter after multiple urgent requests. As my co-signer is my retired, XXXX father whom has been extremely XXXX and XXXX with XXXX, I will include this in my complaint with the CFPB as Navient continues to neglect me and my requests for immediate assistance via phone. Navient continues to change the terms and requests of me via only email communication, and a Natural Disaster Forbearance does not require a credit check. I have provided all requested information to Navient regarding the need for this time urgent Natural Disaster forbearance and how it has affected me financially and medically, and Navient continues to attempt to change the terms of applying this previously promised Natural Disaster forbearance. This matter remains unresolved by Navient, and I request immediate assistance with this matter, as XXXX XXXX XXXX Navient Executive Team refuses to phone me to resolve this matter. Navient has no reason or right to run a credit check for a Natural Disaster forbearance, which is Federally regulated based on Natural Disasters, which I have experienced at this time with severe impact to my health, income and ability to repay my loans at present. As such, please contact me urgently to aid in the resolution of this matter and ensure that my loans are placed in a Natural Disaster forbearance as previously promised me, and as requested due to the nature of the Disasters I have experienced and noted in great detail with Navient. This matter remains time-urgent, and I thank you kindly in advance for your immediate assistance. | ||||||
| 01/11/2020 | Yes |
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| Loan XXXX has had a XXXX balance since XX/XX/XXXX. Loan XXXX has had a XXXX balance since XX/XX/XXXX. Loan XXXX has had a XXXX balance since XX/XX/XXXX. Loan XXXX has had a XXXX balance since XX/XX/XXXX. Loan XXXX has had a XXXX balance since XX/XX/XXXX. Loan XXXX has had a XXXX balance since XX/XX/XXXX. Loan XXXX has had a XXXX balance since XX/XX/XXXX. Per the information and accounting provided on Navient 's website, all of the private student loans are paid in full and have a XXXX balance. It is imperative to note, that Navient has told the DOJ in writing that the account information on their website has been corrected and now reflects accurate information. This is already logged with the CFPB in a previous complaint. The attached proof has the date, when the information was accessed, highlighted in the top left corner to show that this is current and being provided by Navient as of XX/XX/XXXX. Navient confirmed on XX/XX/XXXX that all of the information was now corrected. The website is the only way for a consumer ( me ) to review their account information, and is a reflection of the paper statements one may opt to receive. However, Navient is still requesting payment for loans that are paid in full. The attached is proof of Navient 's accounting that shows each private student loan has a XXXX balance. I have highlighted where each loan shows a XXXX balance owed. However, Navient continues to report erroneous balances and solicit payment through their billing. The most recent billing statement received from Navient was received on XX/XX/XXXX is also attached. After the loans had a XXXX balance - Navient, sometimes years later - engaged in " loan sales '' and then added new balances to my account without any authorization or permission. All of these loans had XXXX balances that were reported for months and years per Navient 's accounting - which any reasonable person or entity would say as to be acknowledged and accepted. A company can not report a XXXX balance owed for multiple years - and then later create a new balance for a customer without any new or additional services being rendered. All of the accounting information that shows XXXX balances was created by Navient and provided by Navient - since this the accounting they have provided for years, there is no reasonable or legal explanation why it is not being acknowledged by them. I would like Navient to : ( 1 ) acknowledge the XXXX balances they've reported ( 2 ) declare all of the private student loans as paid in full ( 3 ) cease all further billing activity | ||||||
| 07/24/2017 | Yes |
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| I recently contacted the company through which I received my student loans hoping to get caught up, as well as to set up an auto pay plan for future payments. I ended up speaking to a man named XXXX XXXX, who informed me that he could definitely help me get caught up. Prior to calling, I was several months behind and was under the impression I needed to make a payment of over {$700.00} to be caught up, but I informed him that I just did n't have that amount to pay up front. XXXX told me that if I set up an auto pay for {$250.00} a month for 3 months, then my monthly payments would be {$160.00} after that, and would gradually increase since I qualified for the pay as you earn plan. Satisfied with this to some degree, I hung up and immediately received an email from a XXXX with an email address that said XXXXXXXXXXXX telling me I needed to contact her immediately and listed forms that needed to be sent. I called XXXX back and asked if I could just tell XXXX that I 'd already taken care of everything because I thought I had on the phone with him. He told me it was very important that I talk to her and she 'd help me from that point on. I called her at the number provided and told her I did n't understand what was going on and that I 'd already set up payment and she told me that I needed to cancel that one and set one up with her. After I explained whom I 'd already set up the next 3 months with, she said that would be fine. At this point I specifically asked what company she was with and what company specifically XXXX had been with, and I could not get a straight answer. She finally told me she represented Navient and was with the department that set up repayment of loans so that I would n't keep being contacted by Navient. It was n't until the following week, when I received another payment reminder with amounts and dates that did n't match from Navient, that I called and reached someone from the actual Navient company who was able to explain that the previously mentioned people were from a 3rd party company called XXXX XXXX. They were extremely deceptive and turns out those first 3 payments of {$250.00} were fees paid to them to do exactly what I could 've done for free. Never once did they state they were from XXXX XXXX, that it was different from Navient, or that they were charging fees and they were fully aware I was unclear about it all. They intentionally worded things carefully to make me feel as though I was dealing with the people who actually provided my loans. Luckily, I caught it 2 days before my auto pay date and was able to cancel services. | ||||||
| 05/26/2017 | Yes |
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| I signed up fo r Automatic payme nt on my loans as soon as I could. Initially the payments were about {$330.00}, but then I paid of f one of the loans so the monthly amt. due was {$270.00}. I had been paying extra on my student loans for abo ut 2-3 years . I noticed first in XX/XX/XXXX that something did n't seem right when I signed into my account. It was stating that the due date for next payment was no t XX/XX/XXXX , but XX/XX/XXXX , and XX/XX/XXXX for most of them. ( screen shot attached ) I called Navient to f igure ou t what was going on, but do n't believe I got a clear answer, but simply was told the system is just adjusting to my extra payments. I had called periodically because I kept seeing that my monthly payments were being split and not getting applied to the month it was due. I was constantly assured that it must have been a system error and it was all being applied correctly. *They have to have phone call recording records of all my calls I was work ing XXXX jobs and kept making extra paym ents. The next screen shot I took was from XX/XX/XXXX , which again stated that my due dates were 3-6 mo nths out beyond the statement. Then a XX/XX/XXXX sc reen shows that my monthly payment was being applied in ha lf. One for the month due, and one half for the following month. I called Navient : XX/XX/XXXX I was told that all my extra payments were being applied to " future '' payments. Therefore, not going to my principle, and therefore not reducing my interest!!! The Navient rep stated that I was to Call In, or Send in a Money Order or Check with a LETTER stating I wanted the extra payments to go toward my principle I was VERY stern with the rep and told her I wanted ALL previous extra payments to be applied correctly and to my Principle. XX/XX/XXXX I h ave been monitoring and taking screenshots since and the results : my monthly automatic payment was applied incorrectly again, half being pai d in XX/XX/XXXX , and half in XX/XX/XXXX . XX/XX/XXXX Monthly payment split again! ( screen shot attached ) XX/XX/XXXX I got an email summarizing my payment due XX/XX/XXXX w as XXXX but the monthly that is suppose to AUTOMATICALLY be applied each month is {$270.00 } XX/XX/XXXX Same err or with due date s 3-9 months in advance. I do n't know what else to do. I am so frustrated and I know this is Wrong. I put myself through college and worked XXXX jobs to make extra payments. I know this is wrong. I know Navient applie d all my extra payments to " future '' in order to keep racking up my interest. | ||||||
| 10/06/2018 | Yes |
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| On Thursday, XX/XX/2018, I spoke with Navient regarding my private student loans in an attempt to inquire about extending the military deferment due to inability to make payments as a bill of {$1200.00} is showing due on XX/XX/XXXX. I am currently serving on XXXX XXXX and have a total of XXXX years and XXXX months of XXXX XXXX XXXX. I was informed by a representative that I was no longer eligible for the deferment and the terms of the military deferment have changed where being on XXXX XXXX was not enough to qualify for the deferment. On Friday, XX/XX/2018, I called Navient again to follow-up regarding this issue and to discuss payment options. I spoke with the representative who informed me that the terms for the deferment were updated in XXXX based on guidance from the Department of Education. Per the representative, Navient updated their terms in XXXX as well. She informed me that all Service Members who had the military deferment applied to their account were not notified and the Service Member would only be informed if they called Navient to renew the deferment. The representative told me that it wasn't prudent for them to inform the borrower and their stance was to allow the Service Member stay in deferment until expiration. Upon expiration, the Service Member would contact Navient to renew and then Navient would inform the borrower of the change in eligibility for the military deferment. The representative reviewed my account and the military deferment expired in late XXXX, which was less than three weeks away from the payment due date where I have to manage to pay {$1200.00} in less than 10 days in order to keep my account current. I asked about repayment plans and she sent me to the private collection department where it was discussed that I can extend the terms my loans to 30 years with a variable interest rate. Once I agreed to these terms, I would be locked into this for the life of the loans with no other repayment options. Navient 's lack of notification to the borrower is egregious. Their poor mismanagement does a complete disservice to their customers especially to the military members who are unfortunately borrowers. If they were changing the terms and options for military members, that should have clearly been communicated so the borrower would have more than enough time to devise a financial strategy and plan in preparation for the repayment. We work hard and take great pride in serving in this great country and now we have more added stress to include the financial burden with no additional repayment options to make this easier. | ||||||
| 08/21/2018 | Yes |
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| On XX/XX/XXXX, I sent in an application for the Public Service Loan Forgivenesses Program, in order to find out if I was eligible and how many payments I had to complete in order to qualify. To which I was told I had the wrong type of loan and I was not on an income based repayment plan. Years have gone by, but every year I keep my eye open for any loan forgiveness programs for XXXX. This year, it caught my eye that there was a temporary expansion public service loan forgiveness ( TEPSLF ), which if I read correctly expands the program to people paying standard payments on there loan. So I checked with my loan type again. It was unclear to me what type of loan I had, it just specified consolidated on the website, everyone I have called at Navient tells me its a FFEL, however when I requested a history and the mastery promissory note it specifies all direct loans from the XXXX XXXX XXXX Federal Direct Loan Program. I called my current serviced, Navient, XX/XX/XXXX and I was thrown through hoops to get a straight answer, regarding the information THEY, sent me on XX/XX/XXXX. One person, saying it was a direct consolidated loan, and one saying it was a smart consolidated loan. Someone told me the direct loans werent issued until XX/XX/XXXX and someone else said XX/XX/XXXX. Needless to say, I am uneasy with how my calls were taken. I spent all morning through afternoon with different people and at one point, when I spoke to their branch thats affiliated with the department of education, I was disconnected when I asked how they would rectify the issue. And they have my number they could have called back. Instead, I had to call back and was put through loops again. My other issue is that I never personally signed for this consolidation. In the packet, revealing my history and phone calls to my previous loan services I was, which I was given, on XX/XX/XXXX, there was no consolidation application signed by me. Only the mastery promissory note indicating direct loans. I have great credit, on time with payments and I just want someone that can be on my side to show me proof of my loan type. My loan has been transferred three times to different borrowers and at some point I truly believe this happened without my permission. It went from conduent, to XXXX, to now Navient. But my feeling is you buy the debt you should be able to answer my questions in a straightforward and detailed way. So my ending questions are what type of student loan do I have? And was my debt consolidated without my permission? And what type of loan do I have after it was consolidated? | ||||||
| 01/19/2017 | Yes |
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| XXXX, now Navient, has made it very difficult for me to repay my student loans at a rate that I am comfortable with. I have both private and federal loans, but my private loans have been a nightmare to try to settle. I graduated in 2008 and since then, have been trying to work with XXXX/Navient to come to a mutual agreement on what I can pay monthly. After years of receiving multiple harassing phone calls daily, I very hesitantly agreed to payments of over $ XXXX monthly, knowing very well it was going to be extremely difficult to keep up with. I honestly wanted to start paying back what I owed and desperately wanted the harassing phone calls to end. This was my only option for that and the best offer I had gotten in the years I 've tried to settle with Navient. After the first few months, I noticed the payments were not coming out, even though I agreed to a direct deposit from my account. When I contacted Navient, they somehow had the wrong account number and penalized ME for it, adding more to my already difficult-to-make payments so that my account can become current again. After months of this, it was clear that I could not keep up with my payments. I already have very little in my savings and had to dip into them in order to eat some days, which is extremely frustrating as I have made a great career for myself and work very hard for what I make. I contacted Navient to plead with them and try to come to a better agreement. It was obvious that I wanted to pay these loans back, but could no longer keep up with the payments and my savings were minimal at this point. I was told that I " have enough in my bank accounts '' to keep up with the payments and that there was nothing they could do. I pleaded for them to take a second look as my savings could only help me for another 2 or 3 payments before I would be left with nothing and my checking account clearly did not have enough funds. The supervisor was rude and not very willing to help. After " reviewing my finances, '' he decided that I could keep up with the payments and that there was nothing else they could do. I am in a very difficult position now because these are not my only loans, my interest rates are through the roof and I am drowning trying to keep up with all of my expenses on top of the overwhelming amount of student loans I pay monthly. I want to pay back my loans, I am an honest person, but I do feel very taken advantage of by Navient. There is no way that a XXXX. in XXXX cost almost {$200000.00}! Please help. I want nothing more than to settle this and be done with this huge burden. | ||||||
| 09/28/2023 | Yes |
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| As a young college student, I took out student loans from Sallie Mae, now Navient, in XXXX, XXXX, and XXXX after my parents could no longer pay out of pocket for college. I took out {$25000.00} in total. For the past 13 years, the recent Account Payment History Report I received in the mail indicates I have paid {$26000.00} in principal, interest, and fees, and {$28000.00} overall ( per the table on my online account ). Despite this, I still owe {$39000.00} as of today. Currently, that's a total of {$67000.00} on a {$25000.00} loan. The balance has remained around {$39000.00} for years and interest keeps accruing and fluctuating. In addition, the estimated pay off date is XXXX/XXXX/XXXX, which means I would be paying on this loan for 30 years. Out of the total amount I've paid thus far, only {$6900.00} has been applied to the principal. Most recently, I have spoken with reps on XX/XX/XXXX, XXXX, and XX/XX/XXXX. The last rep I spoke with indicated that this loan is " like a mortgage except mortgages don't allow you to take 2 year forbearances in reference to what I did back in XXXX ( to obtain my Master 's degree ). To note, Navient freely offered the forbearance at the time when I called to reduce my monthly payments. I also refuted the representative 's statement that Navient student loans function like a mortgage. Unlike any of my other loans, Navient is one of the smallest loans I've had in my life yet it costs me the most because there is no fixed interest. In addition, there seems to be no real target because it keeps moving due to the compounded interest. Moreover, the last rep repeatedly mentioned that I agreed to an interest only repayment plan in XXXX. However, that was the only option they offered when I requested to decrease my monthly payment. They did not offer any other options. Due my income, I couldnt afford to pay the monthly amount, which was nearly {$600.00} at the time. These loan practices are predatory and abusive at best. I asked to re-negotiate the amount owed since I've already paid over {$28000.00} to them but the rep told me that I couldn't because I was in good standing. This option is only available to those that are in risk of defaulting or have defaulted. I could try to refinance, but I still would have to refinance for the {$39000.00} amount. I most likely would end up paying over or close to {$100000.00} on a {$25000.00} loan if I continue paying Navient through the term of the loan. I would like to file a compliant against a company that is allowed to prey on consumers and enforce never ending financial hardships. | ||||||
| 05/03/2019 | Yes |
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| On multiple occasions between the end of XX/XX/XXXX to XX/XX/XXXX I made contact with Navient in regards to my private loan payment that was back into repayment. I spoke with a representative at length and explained that I was not in a position to afford a {$290.00} payment due to financial hardships-divorce single mom etc. The customer service representative went ahead and specifically communicated that she was going to place my loan into deferment for 1 year. I agreed to the terms and politely thanked the representative. About 2 weeks later my co-signer called me in regards to harassing phone calls happening multiple times a day in the mornings at about XXXX straight through the evening until XXXX. These calls state that I am past due on my payment etc. I explained to my co-signer that I spoke to someone and was able to place a deferment/forbearance on the account. I then called Navient again spoke to another customer service representative and explained how the week prior ( end of XX/XX/XXXX possibly first week in XX/XX/XXXX ) and the agreement that was made. The young woman reviewed my file and quickly apologized and stated, " I am so sorry but that person was not permitted to provide that information or that agreement to you. '' I was immediately irritated and asked what do you mean. She said they didn't know what they were doing and that this was not something they could provide me for my private loan. I then was placed on several holds where she informed me that there was nothing they could do to help my financial situation and when I stated then I was going to unfortunately default on my loan unless they can get my payment down to about {$150.00} a month. She then placed me on another hold and came back and said, " ok what I am going to do is set you up on a payment for 6 months of {$150.00}. '' I quickly responded that I could make that payment and set up an automatic recurring payment for the next 6 months. On XX/XX/XXXX that payment successfully cleared my bank account. Today,XX/XX/XXXX my co-signer contacted me saying that Navient has been calling him about me not making my {$290.00} payment. I then called Navient again and asked to speak to a rep. in private loans. Upon speaking with them she stated that my new plan of {$150.00} was denied. When I asked how it was denied because they already took my payment she placed me on a hold to speak to her manager. She then came back and told me that they would get everything corrected and I would be placed back on my interest bearing forbearance to only make the {$150.00} payments. | ||||||
| 03/12/2018 | Yes |
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| ON XX/XX/XXXX I was given counsel by Navient representative to consolidate my student loans through Direct Loan Program because my student loans would not be forgiven even though I met the qualifications for public service loan forgiveness during the loan period. I was told by Navient ( aka XXXX XXXX ) in XX/XX/XXXX that my loan would be forgiven in XX/XX/XXXX. Therefor, I did as they suggested an completed the Direct Loan Consolidation so that my loans would qualify ( yet again ) for Public Service loan forgiveness. On XX/XX/XXXX I submitted my application for consolidation. During that process, it allowed me to complete the Income Based Repayment plan as a part of the process in which I submitted ALL documentation during that session. I was also told to submit my normal IBR application for the original loans that was held by Navient. On XX/XX/XXXX I submitted my normal renewal for the IBR. On XX/XX/XXXX I contacted Navient because I had not received any notification of the status of my Consolidation nor my XXXX. I was told at the time that everything was still in process, and that i was given a 30 day Forbearance so that they would have time to process the consolidation and XXXX without penalizing me. On XX/XX/XXXX I get a letter in the mail that stated that My loan is due for full repayment within 9 days ( XX/XX/XXXX ). On XX/XX/XXXX I contacted Navient. I spoke with XXXX ID # XXXX. She looked into the issue and noticed that ALL my paper work for the consolidation was completed, but for some ODD reason the IBR was not processed, no one in Navient took any action to process it. She stated that all teh IBR documents were present. And that there was no known reason why my IBR should have not been processed. I expressed to her that Navient has a vendetta against me personally because I keep reporting and complaining about how they treat XXXX Americans conservative XXXX. They intentionally mess up my paper work to cause undo hardship and stress upon my life. The rep stated that she would expedite the IBR application and would send an email out at that moment as proof of our conversation. I never got the email. She also stated that the expedition would take until XX/XX/XXXX. However I explain to her that the forbearance ends XX/XX/XXXX. I told her that Navient would find a way to penalize me for this issue that was NOT my fault. I also told her that everytime I talk to someone at Navient, each rep tells me something different about my account situation. These people have been lying to me for years. Please help me resolve this issue. | ||||||
| 10/16/2017 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX XXXX XXXX Navient XXXX XXXX XXXX XXXX, PA XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I called Navient on XXXX XXXX due to a past due balance and inquired about the amount and delinquent status. This was ONLY an inquiry call, as the representative advised that I was out of forbearance options but NEVER had my account reviewed by Navient to have my balance basically start over from zero. He advised that there are options that I can take with Navient to have my account reviewed and basically start my account over again. He advised this was an option and would this be something I would be interest in. I advised NOT at this time, as I did n't know that was an option and will take that into consideration. He advised he would have to send me some information to review and send back. I verified my email address and that was it. I called tonight to pay {$230.00} and the automated system advised my balance was {$25.00}. IMPOSSIBLE ... ..because I have n't made a payment but know that I have to make one, as I was almost 60-90 days before my account going into delinquent. I spoke to several representatives and a supervisor ... XXXX. I explained the issue and advised I want my call pulled. Someone falsified my account and I was filing a complaint. I took called a few times to take the survey,, as the 1st time I asked XXXX to transfer me but he must have stayed on the line because the survey system kept asking saying the same thing after I was trying to make my selection. Apparently, he did n't disconnect the call because if you do n't release the call ... the survey wo n't be activated. Very Poor service ... this company creativity is shot in my book and I want action taken, my account to be reviewed and something to be done ... .I do n't trust this company at this point. I had reservations but now ... .they confirmed my suspicions ... .not creditable. XXXX kept trying to get me to agree to make my account negative again and be reported that way to the credit bureau ... I refused to agree to anything because I never agreed to anything with this company at all ... .I have XXXX and this has impacted my health and I am starting to feel frustrated, pain and inflammation. Desired Resolution : Other ( requires explanation ) Desired Outcome I want my account to be reviewed, call pulled from XXXX XXXX, XXXX. This was an unauthorized act from Navient - I never agreed to any income default or forbearance | ||||||
| 02/10/2017 | Yes |
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| I first spoke with them while I was on welfare and financially unable to pay. I spoke with a women named XXXX and her supervisor, a XXXX. They stated that if I paid a part of it they would then help me to place the account in some status where they could not collect, I stated that I was going to dispute the original loan, due to the other party not upholding their side of the contract, and expalined the whole problem to them, they continued to call, sometimes as early as XXXX, they send quite a few emails and letters to my home address. I started to work, and I contacted them to let them know, and again to state that I was going to take the same legal actions other students that had taken against the school we attended, they stated they could help me dispute it, but that they would not be able to unless I paid a portion of the debit. I also stated that I was unable to recieve calls on my cellphone during my work hours as cellphones are prohibited to use at my job, they continue to call during working hours. I have tried to find a way to legally dispute the debitbut all the information I have found advises to seek legal representation, and I am financially unable to due so, I dont know what to do now. I refuse to pay any portion of the debit because I was given false statistics on graduation 's, I was given false wage amounts for the field I studied in the area I lived in, I was also not given my certification that the school had stated would be given, even though I made the XXXX 's List, due to the schools negligence in communicating with the gov't agency that awards the certificates, nor was I given a copy of my transcripts, despite repeated requests for them. I was also not informed that the credits earned at that school were not transferrable, so I cant enroll at another school, and due to being unable to prove I had attended and graduated from this program, I have not been able to work in the field I studied. The school was XXXX XXXX, part of XXXX Colleges, who have now filed for bancruptcy. I am not sure how to dispute the debit, and I have continued to call Navient and explain the situation, I have requested that they transfer me to this dept that they state they have that can assist me in dispiting the debit, but they refuse to do so unless I pay part of the debit. So, I am unsure now, what to do, or what options are available to me. I also feel it is unfair for them to have continued to charge interest among other fees during the time I was on welfare. And there is no contact information that I can find to speak directly with the school. | ||||||
| 02/23/2022 | Yes |
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| I am a co-signer on a few student loans with my son as the primary borrower. The lender is XXXX XXXX and the loan servicer is Navient. The loans have been in deferment/forbearance since his graduation in XXXX. Interest only payments have been made when required. I received a few calls from Navient in late XX/XX/XXXX advising me that the loan payments were delinquent. The representative asked if I could pay the approximate {$1000.00} outstanding balance, a partial payment ( 1 month ) or even {$50.00} to prevent the account going into collections and affecting my credit score. Since this was the first communication regarding an arrearage, I wanted to verify this was in fact Navient and be provided a statement from them detailing the account status. Although the rep confirmed my email & physical address for identification purposes, she stated that they could not send a statement to a personal email address. I asked for a paper statement to be mailed to me instead. She then indicated that it would take 5-7 business days to receive and the account would be referred to collections by then. I have still not received any confirmation statement from them. Their website ( through XXXX XXXX ) is not very user friendly and is difficult to access. I spoke to my son shortly after that call in XXXX and he said he had not received any calls/messages from Navient over the prior 2 months as the rep had indicated. He said that he reached out to them for alternative payment options and that the account is now up to date. Despite this history, I continually receive calls from who I believe is Navient. Without recognition of the source, no messages have been left stating the identity of the caller and/or the purpose of the calls. Ive been receiving 2-3 calls a week and at inconvenient timesaround or after dinner, weekends and XXXX XXXX XXXX XXXX. The latest were yesterday ( XX/XX/XXXX ) at XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) around XXXX AM, XXXX ( XX/XX/XXXX ) around XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) at around XXXX PM. I feel these practices are harassing. If they want/need to speak with me, leave a message with the pertinent information, text/email and/or mail a paper statement to me ( theyve already confirmed having that information ). My concern is that they are documenting these calls as contacts and non-responses from the borrower. If so, will they classify the account as delinquent and send to collections? This would unnecessarily affect my outstanding credit rating negatively. Thank you for your time and assistance with this situation. | ||||||
| 07/12/2019 | Yes |
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| I have several loans managed by Navient. some of these loans were consolidated from other companies. Most of loans were federal subsidized and unsubsidized. the lowest interest rate I pay is 3.125 % and the highest I paid was 9.75 % on a training loan. Most of my outstanding loans abo ut ( {$62000.00} ) is at the rate of 6.8 %. I graduated in XX/XX/XXXX and for couple of years I did not make significant payments into the loans, except of a loan to Sallie Miae, which was consolidated to Navient in XX/XX/XXXX. the total I borrowed in this loan is {$18000.00}, I consistently paid {$180.00} monthly since XX/XX/XXXX. Even when I was late next month I paid the late charges and the missed month. so far I paid over $ XXXX of this loan and still going. I don't even now how much is the balance now but I'm sure it wont be less than XXXX. below is the current status of all the loans. 1-01 Career Training {$0.00} 9.750 % No Due Date 1-02 Stafford - Unsubsidized {$0.00} 3.370 % No Due Date 1-03 Stafford - Subsidized {$0.00} 3.370 % No Due Date 1-05 Consolidation {$5500.00} 3.125 % XX/XX/XXXX 1-06 Consolidation {$8600.00} 3.125 % XX/XX/XXXX 1-07 Stafford - Subsidized {$0.00} 6.800 % No Due Date 1-08 Stafford - Subsidized {$13000.00} 6.800 %XX/XX/XXXX 1-09 Stafford - Unsubsidized {$24000.00} 6.800 % XX/XX/XXXX 1-10 Stafford - Unsubsidized {$24000.00} 6.800 % XX/XX/XXXX 1-11 XXXX XXXX {$0.00} 8.500 % No Due Date When I graduated the total I owe was about {$96000.00}, and by XX/XX/XXXX the total I owe was above {$130000.00}. During the last two years I managed to reduce the loans to the point where the total was just over $ XXXX. Since then I did not miss a payment, maybe a little delay but did not miss a payment. Today the total I owe s {$76000.00}. according to my calculations the total I owe should be less than $ XXXX. Since I started paying and up to date I believe I have paid not less than XXXX into these loans but most of the amount I paid went towards interest and maybe other fees. I believe I was unfairly treated and fees, high interest and other charges were dumped on me. For the year of XX/XX/XXXX alone, Navient sent me a tax document that showed I paid $ XXXX in interest. imagine the interest payment alone for was XXXX in a loan at the time a little over 100k. I would like to file a complaint and have the loan managing company disclose : 1. how much interest I paid from the start up to date ; 2. i'm contesting the legality of the charges, late payment charges 3. I'm contesting that I agreed to the interest rate of 6.8 % and the rate of 8.5 % | ||||||
| 11/15/2018 | Yes |
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| I have tried for years to get help with both private and federal loans through my server, Navient. Navient has fail for over 5 1/2 years to work with a payment that I can afford. I was repeately given option to put loans ( they served both private and federal ) in forbearance so times over the last 4-5 years that the principal continue to grow. Each time my loans came out of forbearance, I would call and ask for help because there was no possible way to pay them over 500/mo. I pleased with them, each time, explaining that my financial income was not projected to increase. They knew conitnuing to put me in another forbearance would only allow for my loans to grow without the projection I would be able to pay when it ended. Many times I explained that if you could just lower my payment to around $ 100/mo could avoid forbearance and at least be moving in the right direction. They refused that offer or ablity to work with around $ 100/mo. They said the lowest they could lower my payment was from approx. {$430.00} to {$180.00}. Once again both the person assigned to my Navient Loan account and I, discussed If I paid even the latter amount, the income to outflow work sheet they used to " lower my payment '' ( which half risen due to continual forberance ) showed very clearly that I would be paying way more than bringing in. Might I add, my pay each month is consumed by rent, electric, utilities, and tv ; leaving just enough to buy food, personal hygiene items, transportation, and necessities for my children. No credit card, personal loan, or other debt. Once my forbearance time had been exhuasted, I was told Navient had no other ways or options to assist me in aggreeing on affordable payment or program. My assigned Navient account officer gave me the following advice ... She advised me to try to toggle payments between my two loans they served. She continued to explain that my best option was to pay one loan ( approx {$100.00} ) per month and then skip that one and pay $ 150- $ 200/mo on the other loan the next month. She said at least it will buy you some time so your loans do not default. With great disappointment and 0 options left, I tried to toggle my payments but # 1 I was stuggling severely and # 2 I was still delinquent in the latter loan. Now both loans are in default. Until XX/XX/2018 my net income was approx $ 1400/mo and as of XX/XX/2018 my net income is approx $ XXXX/mo. My house hold is 4 with no other income. My husband has been in SSI and XXXX limbo for going on 2 1/2 years and both children receive state aide. Please can you help me? | ||||||
| 03/26/2017 | Yes |
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| I was assisted by my school XXXX that is now closed and turned out to be a scam school to get a loan through XXXX. Once I had graduated from the course which I was told credits would transfer and I would be able to use them, for a real college which was a HUGE lie it was time to pay back the loan. Due to hardships such as a lost job, car trouble or just other surviving expenses I routinely would return the call of XXXX\navent after them calling 50-100 times a day asking them how they could help me pay back this loan that I had taken out in XXXX that was for about XXXX. Each time I spoke with them they suggested putting my loan into deferment \ forbearance to caltch up with my late payments, I had several family members call also to help me get ahead of this now daughting XXXX dollar loan that I am trying to STill figure out which would be the easiest cheapest way to pay off this loan. Ive called XXXX\navient several time in the many years of dealing with this loan and was always told I did not qualify for my payments to be lowered as well as told I was not making payments on loans when I was in fact sending in payments that where only going to XXXX of the XXXX parts of the loan which caused me to fall even further behind on this loan. Yes it was my fault for letting the issue go but when you have to pay rent have a car payment and have to put gas in your car to get to work so you have money to put food on the table for yourself and kid I think its crazy to tell someone that they do n't qualify for lower payments for the past 11 years and only up until I called them in the last month and stated I had a child which I had in the past did they give me the option of lower payments which a longer time frame of having to pay off the loan .. How do these companies expect people to ever get a head, I filled for bankruptcy last XXXX just to try and start over but I feel like this loan is just the one thing holding me back from getting my finances together. I would really like to know why it took so long to offer me any sort of lower payment solution when there was in fact after doing research a law passed in XXXX stating that student loan companies had to make it easier to pay these loans back, also still instead of trying to help me pay this loan they offer putting it back in deferment like its the best deal in the world when in reality its just making me owe them more money ... Please help me take this burden off my shoulders that I have had since XXXX and tell me what 's the best pay to way off this loan without having to go broke in the mean time ... | ||||||
| 05/13/2020 | Yes |
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| I keep paying the same fee in the amount of {$19.00} every month, and sometimes I pay it multiple times due to Navient 's system will show that I owe the fee again even after I just paid it. I have made this same payment sometimes 3 times in the same month, and it will show that I still owe it. I have payed this same amount for years, but in the past it showed only once, so I didn't think anything about it. I just figured that it was a part of my monthly fee. I didn't want anything negative on my credit report, so I just consistently made the payment. I called a representative today XX/XX/XXXX due to I wanted to know what the fee was for, and why did their system keep saying that I owed the amount. I was advised that it was a late fee from XXXX which I found crazy to keep being charged for something that I did not know was owed. This particular amount did not start coming up until XXXX based upon my printout of payments from their site. I was told that the late payment does not go away. I am on an income based plan, and I have been on it since XXXX per the rep. This fee has never been explained to me before, and I never knew it was an issue until I checked to see why this particular amount kept occurring after a payment was made. The rep advised that she had escalated the issue, and that the fee would be removed by XX/XX/XXXX. My issue with the whole situation is that I was making multiple payments on my account thinking that this was a part of a monthly payment when in actuality it was for something else. I was told that my {$19.00} payments was being applied to the interest of my account. I was making multiple payments to my account for something that I did not realize I was paying several times. I hope I have not been charged interest on this same amount that I thought was being paid over all of these years. I was told that late fees were not a real concern for Navient. They use all payments to pay the interest owed to them first, then towards the principal. I have spoken to others from Navient before, and this has never been told to me about this fee that I kept paying over and over again. Navient needs to put on their site on how to make payments for other things owed due to I was unaware that I had to click on the payment site for unpaid fees which I did not know that the {$19.00} was an unpaid fee. I just thought it was a part of my monthly amount that needed to be paid as stated. I also see that I am not the only one who also had this issue. I found an article that someone else had with the exact same issue on XXXX XXXX XXXXXXXX # XXXX | ||||||
| 10/29/2017 | Yes |
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| I 'm reaching out to you on behalf of my son who 's student loan this is, with Navient, formerly XXXX. He has been making his automatic payments all along since XX/XX/XXXX, which we needed your help with to set up. Complaint # XXXX if you want to look back at your records. The payments were set up to be paid with his credit card. Everything was going along fine. His last payment was made in XX/XX/XXXX. At that time Naveint changed their terms and no longer take credit cards to be set up as automatic form of payment, but we were never informed of this. Also at that time my son had been diagnosed with a debilitating medical situation and has not been able to work. He lost his job and still is unemployed and in therapy. We called Navient in XX/XX/XXXX to see if we could postpone payments until he is able to get back to normal life. We were told they can not do anything until the loans have fallen three months behind. That being said, since he now feels better, he called on Friday XX/XX/XXXX to try to work something out, since he received a letter that Navient will start litigation process. He was told that they could n't help in any way. He had a financial savvy friend with him who was speaking to Navient with my son. They finally said they would settle for {$110.00} per month for 8 months then {$150.00} for 3 months. He has no money and no income right now. He will in about three weeks. He asked for a postponement till XX/XX/XXXX. They would not budge. They demanded his banking information and said that they will need a payment of the {$110.00} by XX/XX/XXXX. Given our past experience with them, my son and I do not trust them to have any sort of banking info. If you look at the previous complaint from XX/XX/XXXX you will see where they outright lied about an agreement they made then raised the monthly payment. When he asked to get this latest settlement in writing he was told that they will need to see the {$110.00} before they right up the details of the agreement and send to us. Who in their right mind would agree to that??!!! I believe it 's unethical. His sister who co-signed the loan with her brother way back when, is willing to send in one month payment but will not do so without a written agreement as proof. She has also received a notice for litigation. All we are asking for is proof that they will follow thru with what they say, and possibly postpone till XX/XX/XXXX. FYI litigation letter was written XX/XX/XXXX but not received till XX/XX/XXXX. My son is not always able to have access to a phone. Sometimes for several days at a time. | ||||||
| 07/01/2020 | Yes |
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| During the month of XXXX, 2020, I enrolled in XXXX college to obtain a XXXX XXXX XXXX. I contacted Navient to discuss an XXXX deferment for my loans. In this phone call, I was informed that I was eligible for complete deferment of my private loans for the duration of my enrollment. I was told to send a letter to Navient confirming my enrollment, which I did. When I checked my account several weeks later, I noticed that I still had a payment due. I called Navient again, and customer service informed me that the due payment was a mistake and removed the notification from my account. Several months passed and in XX/XX/2020, I received another notification that I had a payment due. I called Navient yet again, and this time, I was informed that I was behind on payments for several months. I informed them that I was told this was not the case and that I was in a deferment. Upon looking into my account, the representative this time informed me that I was never in a full deferment program, but a deferment program that moved my payments to interest-only payments totaling around $ XXXX month. I explained that I had called several times and was told that my loan was in a full deferment program. I expressed my confusion about this, as my previous rate-reduction program had set my payments to $ XXXX month. I asked simply, " Why would I choose to enter a payment program that pays interest only and increases my payments while I am paying for school? '' At this point, I was told that I had authorized a previous representative to cancel my rate-reduction program in favor of the interest-only program, which I had never done and was never informed of. I asked if I could, at least, return to my previous program, and I was informed that this is impossible because I cancelled my program ( which, even if I had cancelled it, I would have done so because of wild misinformation regarding the deferment program on multiple occasions ). I asked what my options are, and I was told several times that I have no options but to make all of my " late payments '' that I " owed '' for the several months that I was supposed to be in a full deferment program. Since these conversations, both me and my co-signer ( my XXXX-year-old grandmother ) have received upwards of 15 phone calls per day, each, from Navient. This is merely the most recent in perhaps a dozen other times I have been grossly misinformed by this company in a way that has negatively impacted and damaged my life and my credit score while creating undue stress and enduring harassment for both me and my grandmother. | ||||||
| 03/20/2020 | Yes |
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| On or about XX/XX/XXXX, I contacted Navient due to a change in income that reduced my monthly take home pay by $ XXXX/month as well as additional financial obligations I have for other student loans which had recently re-entered repayment. I explained the change in my circumstances and requested a reduction in my interest rate to enable me to maintain my on-time payment history. Navient denied my request and said that they would allow me to make interest only payments for six months. I explained that this option did not address my needs and would only cause me to pay more month over the life time of the loan. They said this was the only option they were willing to offer at that time. I thanked them for this and advised that unless a different arrangement could be made, it would risk putting me in financial hardship and possibly not able to make the payments on my loan. On XX/XX/XXXX I contacted Navient again, regarding a further change to my income due to the Coronavirus / COVID-19 pandemic. I explained that my wages were being reduced and the possibility that my position would be eliminated within 2 weeks, and I requested a deferment or forbearance of payments for 6 months so that I would have enough time to assess my financial situation, pay for necessary expenses such as groceries and shelter, and not miss payments during this time. The monthly payment amount which Navient requires from me is almost 40 % of my monthly income and this was not sustainable. The representative asked if I had lost my job, and when I confirmed that I was still employed currently, but with a further reduced income and the possibility that my job would be eliminated in the near future, she said that " Deferment and Forbearance are only for people who have lost their job. '' She then proceeded to tell me that she would reduce my payment by {$400.00} to $ XXXX/month and asked if I would be able to make that payment amount. I told her that I was confused about her math because my monthly payment was significantly higher ( $ XXXX/month ). She then told me that I was " being hostile '' and that she had never said " $ XXXX/moth, '' to which I responded that I would like to have a copy of the recording of our conversation to verify this because I had been taking notes during our call. She told me that her manager would handle that request and that I would receive the recording " within 2 weeks. '' I asked for her employee identification number ( it is # XXXX ) and she then hung up without providing any information as to how I would receive the recording of the call. | ||||||
| 10/05/2018 | Yes |
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| On or about XX/XX/2018 I changed the terms of my loan repayment ( I made it such that I was able to keep making payments at around {$120.00} for the next two years as I had been doing already rather than having the payments increase ). Since then, Navient has called and emailed me constantly telling me my loan is due. I make my payments timely ( they are automatic ). I've made 3-4 requests to the company to opt out of communications but they ignore my requests. I feel this is harassment to continuously contact me when I am already making timely payments. The dates Navient has contacted me include : early-XX/XX/2018 - via phone : automated recording ( I have an " important message regarding my loan ''. When I called Navient told me I had an upcoming payment. My payments are due on the XXXX of every month ). XX/XX/18 - via email - " We haven't received your loan payment - please make it soon '' ( again, my payments are due on the XXXX of every month ). XX/XX/18 - via email. " Thank you for your payment, it posted to your account. Amount is {$120.00}. '' XX/XX/18 - via email. " Your student loan payment is due. Your last payment was made on XX/XX/18. We're sending you this payment reminder. '' I called Navient in or around late XX/XX/XXXX requesting to opt out of all communications. I spoke with a woman who told me that I wouldn't receive any further communications. XX/XX/18 - via email. " We haven't received your loan payment - please make it soon. '' The email explains ways that I can pay. XX/XX/18 via phone : automated recording ( I have " important message regarding my loan ''. When I called in a male rep told me I had an upcoming payment. When I asked to speak to a supervisor I was on hold for 30 minutes, got hung up on and no supervisor ever came. XX/XX/18 - via email - " We've sent you information about your loans that are past due. '' XX/XX/18 - via email - " Thank you for your payment. Date posted XX/XX/18, {$120.00} ''. XX/XX/18 via email - " Your student loan payment is due. Your last payment was made on XX/XX/18. XX/XX/18 - We haven't received your loan payment, please make it soon. '' XX/XX/18 - Called Navient and spoke with a male customer service rep. He confirmed my account is current and not overdue. I told him about these issues and he advised he is taking me off the email and phone lists. It wasn't done before. I want to ensure moving forward Navient actually removes me from their lists and I won't be harassed by Navient in the future for payments on my account since my account is current. Thank you for your help. | ||||||
| 07/25/2017 | Yes |
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| I have had multiple issues with XXXX /Navient as my loan processor. First, here is some older issues I have had where I do not have much documentation of : I requested to have my loan taken off of any extended or reduced payment plans, and my monthly payment increased to approximately {$400.00}. Around 2 years later my payment jumped to approximately {$800.00}. When I contacted Navient to understand why I was told that it was because I was in a extended repayment plan which was never removed. After this fiasco which likely has cost me thousands of dollars : I began making the payments of {$800.00} and have recently started paying extra into my loans in a desperate attempt to no longer have to deal with Navient. I have ma de 10+ calls to Navient in the l ast 30 days. Each extra payment made on the website was incorrectly applied. XX/XX/XXXX - - Payment made in the amount of {$200.00}. The payment was split between 2 loans instead of going directly to loan XXXX . I contacted Navient who apologized and correctly applied the fu nds. XX/XX/XXXX -- P ayment made in the amount of {$50.00}. The payment was split betwee n 3 loans i nstead of going directly to loan XXXX . I contacted Navient who apologized and correctly applied the funds. XX/XX/XXXX -- Payment made in the amount of {$580.00}. The payment was split between all of my loans instead of going directly to loan XXXX to pay off the remaining balance. The loan balance ended up being {$22.00}. I contacted Navient who apologized and correctly applied the funds and marked the loan as {$0.00}. I also requested that the minimum monthly payment amount of XXXX be added to the auto-pay amount of XXXX . This was not correctly applied. XX/XX/XXXX -- The new auto pay amount was set to {$130.00} instead of {$150.00}. The customer service and supervisor were unable to explain to me why. The minimum/auto pay amount changed from {$800.00} to {$830.00}. The supervisor did not have access to view any reason for the {$30.00} increase. They sent a request to th e " Research '' group with a turn around time of 7 to 14 bus iness days. The " research '' group will not contact you back via phone with they are able to identify exactly where the {$30.00} increase came from. The supervisor refused to give me any tracking or identifying number for the interaction and request. I was told to call back to check on the status of the " research '' groups findings. My call o n XX/XX/XXXX e nded with : " You have my word sir that I will send in a detailed request '' | ||||||
| 03/31/2017 | Yes |
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| We have XXXX loans through Navient. One is a consolidated loan ( XXXX ) and another is a XXXX ( XXXX ). They both have different interest rates with one substantially higher. We pay monthly online and never miss any payments. For several months we have been trying to make extra payments to the loan with the higher interest rate ( Stafford loan ) so we can pay this off quicker. They will not apply the extra payment to the loan. They evenly distribute this money across both loans. There is no way to allocate this extra payment to pay off the loan quicker online. When you call they give you the run around and say that your promissory note allocates this. This is so unethical. This is not true. We pay the normal payment allocations already that the promissory agreement requires. You should be able to make extra payments to the principle of a loan that you choose. There is absolutely no way to do this online or over the phone. Additionally, I have called several times over the last several years to make sure that I still qualify for the public service loan forgiveness program ( XXXX in public service for 10 years ) and are on track with my payments. They have always said my loans qualify and that I am on track with the right loan ( the consolidated loan ) and today I called they said I would have to re-consolidate this loan again and the 120 payments and 10 years of service would start from the date of re-consolidation? I already consolidated! This is complete fraud! If you consolidate again, then this would disqualify you from the 120 payments you have already been making toward that loan..Since I was upset they routed me to another number that would give me more information and I sat on hold for 1 hour and 13 minutes and was never re-directed. While on hold for 1 hour and 13 minutes the automated recordings said to set up a specialist appointment you need to visit their " change payment page '' on Navient.com. I searched for this page to set up an appointment and it does not exist. I used their search engines and could never find the page they are describing. They give you the run around .. Do not give correct information about your loan and seem to be scamming the system so that students are paying more on a loan.. Now we are stuck in a loan and keep getting the wrong information.I ca n't trust anything this company says. Every person we talk to says a different thing from their scripted book. You ca n't even make an appointment with a " specialist '' to discuss your loans. This is a truly unethical company misguiding and scamming students. | ||||||
| 02/24/2017 | Yes |
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| I had requested to be taken off the auto-dialing system, to which the company complied. My account is currently in collections due to financial hardship and they continuously call me during work hours and even on Sundays. I have requested multiple times to not call during the hours of XXXX - XXXX Monday through Friday and no calls on Sunday. They state they have " noted the file '' but I keep receiving calls during these requested no call times. When I address it with the worker and/or their supervisor, they 're response is always : " our system is not capable of not making calls regardless of the customers request. '' Which I find odd if I am no longer on an auto dial system, the person manually calling me should see the " notation '' that states not to call during these hours. When I present this ongoing issue to workers and their supervisors, their response is always as follows : " Sir, you have stated you can not talk during these hours yet you pick up to the phone to tell us that you can not talk. In this amount of time we could have resolved your issue. '' I explain to them that I am at work and can not discuss my account during these hours and they continuously harass me stating that I am clearly able to discuss my account if I have the time to call and complain. They seem to be violating my requests to not call during certain times and I am suspicious as to if my request for being removed from the auto dialing system has even been completed. Navient employees are quick to say that my account is past due and I need to pay a certain amount to bring it current, yet whenever I look at my account online, there are different amounts listed as to what would be needed to bring it current. This is misleading information. I have never been able to have Navient confirm what exact amount is owed or when my billing cycle generates. An employee on XX/XX/2017 informed me I could make a payment of {$100.00} to bring my account current, yet today on XX/XX/2017 the employee stated I needed to pay {$130.00} This is becoming a headache and seems very unethical in their collection practices. I am constantly being presented with rude workers who do not want to help resolve the issue, instead want to harass. I have asked " supervisors '' multiple times to review the recorded phone calls to see how their employees treat customers and they state they will, but I doubt they ever do. If they were to listen to my phone calls, they would see how the employees are not there to help but to ridicule and demean those who may not be able to pay at this time. | ||||||
| 09/22/2017 | Yes |
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| Originally I took out student loans through XXXX XXXX but my current loan provider/carrier is Navient. When I first got out of college, the people from XXXX XXXX would call me and demand outrageous amounts of money for a monthly payment. They essentially wanted 30 % + of my monthly income and it was n't a payment that I could make. They were completely uninterested in the amount of money I was making, only the amount that I owed. This forced me to miss payments and put my loans into forbearance multiple times, something that has dramatically increased the principal of my loans and negatively effected my credit score severely. At some point, Navient came into the picture, and they seemed more reasonable when working out a realistic payment with me. They set me up on a payment plan of approximately $ XXXX but I never realized that this was not enough to cover the interest alone and that none of it was going to my principal - the principal is actually still growing as I 'm making these payments so I owe more money now than I did when I first signed up for this repayment plan, even though I have n't missed any payments. The plan I am on now takes 15 % of my gross income and I am to pay for 25 years. I was originally told that I would be on this plan for 10 years before I was eligible for loan forgiveness but I have recently learned that this option is only available to employees of non-profits and public service companies, which I am not. Today I learned that, all along, there was another payment plan I could have been on where they only took 10 % of my gross income for 20 years before I was eligible for loan forgiveness and that they " apologize for no one bringing this to my attention previously ''. Simply put, this new plan would theoretically have Navient taking less money from me per month for fewer months, essentially yielding them much less money in the long run, and the woman I spoke with could n't provide me with any information as to why I was n't on this plan all along. I do n't understand why they would have even offered me the higher plan without letting me know there was another option that would cost me less and I do n't trust their explanation. I am afraid that this plan will hurt me in some way and that the woman I spoke with on the phone at Navient just was n't able to explain it to me, or refused to explain it to me. The plan I am on now is increasing to $ XXXX in XXXX of XXXX and literally has me making this payment for essentially the rest of my life without ever touching, let along decreasing, the principal of the loan. | ||||||
| 04/06/2017 | Yes |
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| I firmly believe that Navient has been scamming me out of money for many many years. I was actually never given notification that XXXX XXXX had been taken over by Navient, which I found extremely odd given the amount of debt I owe. You would think the company would reach out even by letter or e-mail to let you know they were taking over thousands of dollars in student debt. Looking over transactions since XX/XX/2008, I 've noticed some very questionable business. Not only have my loans grown by thousands since I 've been paying for the past 8 or so years consistently ( over {$400.00} ) but the payment history is never consistent on their end. There are certain months where only {$1.00} is applied to my principle balance, and the remaining {$420.00} is applied to interest alone. The interest and principle payments are never consistent. The interest payments range from $ XXXX-over {$400.00} per month ( with my minimum payment resting at around $ XXXX monthly. ) My loans are split into XXXX separate ones based off semesters, and my highest interest rate is 10.5 %. However, a {$10000.00} loan is now sitting at over {$13000.00} EIGHT years later. I 've had multiple calls with Navient where they will not allow you to overpay on a loan in order to pay it off. They actually have said over the phone that they can not take a payment higher than {$500.00} at a time, but they will gladly put your loan into deferment or forbearance. This option is offered when trying to OVERPAY on student loans. If you make an extra payment online it automatically goes toward interest, which they also fail to explain online or over the phone. I 've been told in order to pay extra on the debt I must write and mail a letter stating the extra amount is to hit principle alone, and that it is still not guaranteed. I 've held credit cards, car loans, and other forms of debt that I 've had no problem paying. I work XXXX jobs consistently in order to make sure my student debt does not fall behind. While I 'm taking steps to pay off this debt in a reasonable time frame ( I will be XXXX in one month ) Navient makes it nearly impossible. Please explain to me how a debt can have a MINIMUM payment of over $ XXXX monthly, no consistent paper trail, multiple " fees '' that are n't outlined, and a significant increase in total debt owed after almost ten years of consistent repayment? I believe I 've paid over {$30000.00} in interest alone over the past 8 years, and I 'd like some answers as to how that makes any sense when dividing my interest and principle balances owed. Thank you. | ||||||
| 02/28/2016 | Yes |
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| I recently XXXX from an XXXX program with various loans managed by Navient. Things were bad from the onset remain unresolved. Navient released falsified documents and mailings blatantly lying to me about the start date for my loan repayment. All materials ( which was later confirmed by their " Department of Customer Advocacy '' after I called to complain ) stated that XXXX 2016 was the first month of repayment period, when it was XX/XX/XXXX. Accordingly, I was penalized and of my initial mandatory payment, XXXX % went to the additional interest that accrued - or Navient 's bottom line. I only found this out by meticulously analyzing each loan, payment and recalculating all numbers. In addition, I discovered that this is a relatively well-known, common practice within the firm. A Navient customer service representative confirmed this nefarious tactic during my initial phone call ( that was recorded ). The Navient representative stated that this intentional misinformation is part of their automatic billing and communication system and that he did not personally agree with the firm 's practice. Essentially, they have charged potentially every person with a student loan an additional month of accrued interest over a vast period of time. I had the money available ( and I currently pay well over double my mandatory payments ), but due to purposefully erroneous information I and tens and perhaps XXXX individuals have been cheated for investing in themselves, for getting an education and simply doing what is right. Navient, has not followed up on my complaint as they said they would. I was never given a case number, a call back or even respect during the phone calls. When I called to follow up the company sent me to XXXX additional customer reps that simply asked why I was calling and forwarded me to one wrong department after another ... until they finally forwarded my call to a voicemail box. Since we have no choice which firm handles our loans or form where they originate there is little this message can do to help. If you do have Navienvt, however, be very careful, they should not be trusted - which is incredibly sad for students and our financial institutions as a whole. Unfortunately, there is not a select all option for what is " my issue '' as this clearly qualifies as " trouble with how payments are handled '', " Do n't agree with the fees charged '', " Received bad information about my loan '', and " Having problems with customer service ''. I will simply select one option with the assumption that there are several issues at hand here. | ||||||
| 07/29/2020 | Yes |
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| Problems affecting following private loans through Navient ( formerly Sallie Mae ) with associated dates. XXXX Tuition Answer Private Loan XXXX ( 3 derogatory marks ) XXXX Stafford - Subsidized FFELP Loan XXXX ( 3 deragatory remarks ) Issues also affecting Dept Ed loans listed in separate complaint. During the above mentioned dates, I entered repayment for my student loans serviced by Navient without proper written notification. I became aware of my delinquency while checking spam email and immediately contacted Navient in XXXX of XXXX. I was told via recorded line conversation that my billing notification had been switched to paperless billing and had been done via email exclusively. I had never authorized such action on any of my accounts. When I asked when and how the authorization to switch my accounts to paperless was performed, I was given no information and told it had been done automatically. At the time, I relied on paper bills ( and prefer them to this day ) to relay changes to billing statements. When I had reconnected with Navient after reinstating payments, I was unable to receive any requested information from my previous conversation ( who I had spoken to and the recorded file of the conversation ). When I had requested the derogatory marks be removed from my credit history, I was told there was no avenue through Navient which I could pursue to correct the marks. I have challenged the information with credit reporting agencies only to find that Navient had not provided any details regarding the incident. Navient has a history of documented poor customer service, which I have experienced as well. I have had difficulty getting information on programs to assist in loan repayment, ambiguity regarding deferment, and have asked about public service loan forgiveness ( XXXX for 4 years at this time ) only to be told that my loan " does not qualify '' but no additional information on how to roll the loan into an eligible account. Luckily most of these customer service deficiencies have not necessarily affected my credit score, with the exception of the derogatory marks mentioned above. My credit report has 13 late payments in all my years of credit, including with Navient before/since this incident ( 1 legitimate late payment due to a new credit card number issued on an auto loan, and the other 12 from Navient connected to this singular event, 6 on the private side and 6 on the Dept of Ed side ). Without these above mentioned derogatory marks, my credit would be in great shape, and it is time for Navient to finally fix things. | ||||||
| 03/17/2017 | Yes |
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| I took out a student loan from Navient ( at the time XXXX XXXX XXXX when I was in college at XXXX XXXX. My senior year, I needed an additional loan, so I went back to XXXX XXXX, and because I did n't know anything about borrowing money or taking out loans, they offered me a loan " just like my first one ''. It turned out that that loan had nearly twice the interest rate. After college, the job market was terrible and I did n't make much money and was just paying interest. As years passed and I got a good job and made more money and XXXX XXXX became Navient, I made MORE than the minimum payments for years to Navient - but little was changing with the impact in my student loan debt. I did research and reached out multiple times, and what they were doing was, taking my {$200.00} per mo payment, putting as much as they could towards the interest on the high interest 2nd loan, and the rest towards the interest and principal ( the little that was left ) towards my lower interest first loan. I was treading water essentially for years ( I also have had another loan with XXXX XXXX, and I still have one with XXXX XXXX XXXX that has changed hands multiple times ). When I reached out, I told them I wanted to adjust the percentage of how my payment was being used. They told me I could n't. They lied about a few other things and then eventually they told me that " they have no control over how the money I pay is allotted to my loan sequences. '' So I saved my money, and when I had enough to pay it off in full, I called back and said that I want to pay it off. They said it would be hard, they may not be able to do it, excuses, excuses. It took months, but I had to write an actual letter and mail it, asking for my loan sequences, asking for payment amount. It took them forever to respond. I then had to write an actual check to pay it off. In the meantime after I uncovered this awful practice, I paid months of interest during this process ( on top off all the shady business practices they had that made my payments go towards little of my principal ) and I finally paid it off. If i did n't have the money to pay the lump some a few years ago ( around XXXX or XXXX ), I never would have been able to do anything. I was given a predatory loan when I was in college and they used predatory practices to keep me in debt. I still have that first loan remaining with them and 10 years after graduating, I can say that this company has done a lot of negatively impact my life and I 'd like to join any lawsuit or class action lawsuit against this company. Thanks, XXXX | ||||||
| 03/22/2017 | Yes |
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| I am the consigned on my daughter 's XXXX notes serviced by Navient. XXXX loan had a principal amount of $ XXXX and the second note of {$4000.00}. The notes now state the principal amounts are ~ $ XXXX and ~ $ XXXX. My daughter has been paying interest only on these notes for 11 years. She was constantly encourage to defer her loans. An income based repayment plan was never offered. My daughter and her husband are on their XXXX child. In XX/XX/XXXX, Navient increased their payment by twice the amount. My daughter 's attempts to refinance this note have been ignored and at one point a rep told her they would just get the money from me - my credit cards had plenty of room as she could see it right there in my credit report. My daughter just gave birth to her XXXX child who has a XXXX which requires XXXX. Her other XXXX children are XXXX and under. Her husband is the sole support for the family. After numerous calls with Navient and letters I called them as I had a letter that a settlement was possible- first the rep denied that was what the letter said. I offered a much lesser amount stating the funds were coming out of a small retirement account. The rep finally said she was authorized to settle for $ XXXX. When I replied this was beyond my means and could she do better after a long argument, she transferred me to a supervisor. The supervisor said she knew nothing of my call before I was transferred and proceeddd to bully me about my daughter 's note. I continued to state I wanted to find a way to settle the note that my daughter could not repay it and I could not afford to pay another bill. The tactics used are nothing short of bullying, then they roll to empathy and back to bullying. This representative told me Navient would never settle and that I could pay {$5000.00} to get my name off the loan. Forty five minutes later and exhausted I just excused myself to get back to work. The rep left me with a threatening remark about forwarding me to collections. Navient is now calling my work number at least once a week. They call my cell phone daily and they send letters in envelopes with no return address. My daughter suffers the same harassment and they are now even calling her mother-in-law. My complaint is that my daughter was n't informed on the impact of deferring her loan. They 've refused to work with her on an income based plan. While I accept responsibility for signing the loans I would expect after 12 years and all the interest already collected, Navient would make an effort to refinance this note instead of using scare tactics. | ||||||
| 11/06/2016 | Yes |
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| To whom it may concern, From XXXX, I attended XXXX a private college in XXXX no longer in operation. I have XXXX. I have federal and private student loans. My issues today are the private loans serviced by Navient. Recipients of private loans have no legal protection or recourse when attempting to negotiate a more favorable interest or payment plan. We are basically indentured servants to a system that enjoys protections that no other creditor is given. We can not discharge the debt in court. We can not ask for a change in terms or avail ourselves of the same options as Federal loans. There are no suspension of payments or repayment plans based on income or consolidation of multiple loans without a credit check. Navient may state that these options are available but this is not true. What Navient offers are temporary fixes that do nothing to address the real issues, high interest rates, lack of consolidation options, and a willingness to assist in a flexible change of terms so that loans can be paid off in a reasonable length of time.The interest rates charged for my private loans are 12-13 %, variable and not negotiable. The terms are 30 years. The payment has been around {$770.00} a month not counting Federal loans. I have been making payments for almost 7 years and the balance has not changed. I am allowed to ask for a limited number of forbearances ( {$150.00} a request ) but this does not stop the accrual of interest. Navient treats all loans as if they are federal when it suites them, such as grouping Federal and private loans together when setting payment amounts on household income instead of individual. I moved my Federal loans to XXXX to provide leverage when discussing my private loans with Navient. What few rights I have, I have learned to use. My loans are based on my income now, after reiterating these are private loans to the customer service staff. I have always paid my student loans. I am now XXXX years old and on Social Security. I see no incentive to continue paying private loans that, in essence, will never be paid off before I die. I have written to XXXX, the Ombudsman at Navient and now this agency. Please level the playing field for private loan users. I stopped taking private loans after 2 years at college when I realized what was happening. There is something wrong when 2 years of private loans have an accrued balance greater than 4 years of Federal loans. The real crime is there is not a thing I can do to pay my loans off and my only option appears to be default. Thank-you for your attention to this matter. | ||||||
| 08/09/2016 | Yes |
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| I have both a private and federal student loan with Navient - formerly XXXX XXXX. The loan that belongs to my daughter ( for which I am a co-signer ) is {$520.00} per month. We have it set up through Navient as an automatic monthly payment. On XXXX XXXX, we called to change the payment to {$320.00} on XXXX/XXXX/XXXX. ( We only changed the amount from {$520.00} to {$320.00} ). We thought we accomplished this with no problems until the day the payment was taken out. On XXXX XXXX, XXXX they debited via their check an unauthorized payment from my account in the amount of {$520.00}. Then on XXXX XXXX, XXXX or XXXX XXXX, XXXX they debited an additional {$320.00} from my account, unbeknownst to both me and my daughter ( student on the account ). We did not learn of the second debit until calling to obtain a refund in the amount of XXXX from the payment that was processed on XXXX XXXX, XXXX. We have called XXXX XXXX, XXXX, XXXX, XXXX, and XXXX to obtain our refund of the additional {$320.00} as well as the first {$200.00} from the payment taken out on XXXX/XXXX/XXXX only to be given erroneous and varying information regarding when we can expect to see the funds returned to my checking account each time we call. We have the customer service agent phone number and ID as XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX along with a Rep named XXXX, his supervisor and several other agents that we have spoken to in trying to obtain a refund - at this point totaling {$520.00}. Basically, they have given us the run around for several days. We have asked for this to be processed all the way up to their management only to be denied our refunds. We have asked for them to expedite the refund. This is clearly a mistake on their part where they have double debited my account and refuse to correct the problem. Management refuses to speak with me about the refund and the refund department refuses to speak with me about refunding or reversing the charge after several attempts. In reviewing information on the web, apparently Navient has a history of fraudulent and unscrupulous activity related to customer accounts. Please help me in resolving this situation. Please excuse grammar, punctuation, syntax and spelling. This is an online form with limited visibility and it is very tedious to type using these small forms. Address given on the website : General Correspondence & Submitting Documents Navient XXXX. XXXX XXXX XXXX, PA XXXX Or Fax Documents - XXXX : XXXX or XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : ( XXXX ) XXXX | ||||||
| 10/12/2020 | Yes |
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| I had a loan with SallieMae that was bought by Navient around 2012. The loan was a subsidized student loan and was in deferment. No interest should have accrued until this fall after I completed my degree. When I was contacted by Navient about repayment they had a balance of over {$16000.00} when it should have been well under {$16000.00}. I called Navient and talked to employee XXXX and told her what the balance should be and she said when they bought the loan in 2012, the balance was over {$17000.00}. I told her I had paperwork from SallieMae dated XX/XX/12 that clearly showed a balance of around {$15000.00} right before my account was transferred to Navient. She said she had paperwork for Navient that showed the balance as $ XXXX in XXXX of 2012. She said I should fax her copies of the documents from SallieMae which I did on XX/XX/XXXX. I also had my university send proof that the loan was in deferment from 2012 until now which they did. I called Navient today and asked them if they had made the necessary change to the amount I owed. The woman I spoke to barely spoken English so she was incredibly hard to understand. She said something about accrued interest and a reverse loan something or other. When I asked her what my balance was in 2012 she said $ XXXX. I asked why the balance had not been corrected and she started talking unintelligibly about something with reverse balance ... I could not understand what she was saying. She also told me that my faxed documents had been received and a letter had been mailed today which was their response to my complaint. I don't have the letter and quite frankly I am not sure I believe that they actually sent a letter at all. If they did it should show up in a few days. The following uploads will show you that there is a major discrepancy between Navient records and the records that I was sent by Sallie Mae. The Sallie Mae documents I received showing my payment record for the loan on XX/XX/12 has a full repayment balance of {$15000.00}. The Navient records show for the same date show the balance to be almost {$1000.00} dollars higher at {$16000.00}. I had massive issues with SallieMae constantly and illegally trying to take me out of deferment or accruing interest while I was in deferment. I had hoped Navient would be better but it appears they are just as crooked. I am sending this complaint to start the process of investigating Navient for student loan fraud. This note is the first step in what I hope can be a quicky resolved issue although I am not as hopeful as I would like to be. | ||||||
| 08/15/2018 | Yes |
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| On frequent occasions the Navient website has not accurately posted my payments. I took screen shots throughout XXXX to show how within the same billing month the payment due amount jumped all over the place despite me submitting payments of the entire amount due each time I logged in. Attached are screenshots of the revolving amount due within a few days of each other despite me processing payments to the entire amount due. Not only that but their website makes critical decision making information obscure to access. They have embedded loan details and other factors about the promissary conditions impossible to track down. There have also been floating " Late fees '' posting to my account. These fees should not apply because I currently have Income Based Repayment at {$0.00}. A phone customer service person told me those were just late fees and would not affect my account but could not ensure anyway that they would not be reflected on my overall balance. Recently I was about to make a change to my account to move some of my balances to a consolidation to ensure that they would be eligible for REPAYE. I asked the customer service person what fees or expenses I might incur from this move. They listed that I needed to make a minimum payment of {$5.00} for that month and that I would need to pay the interest for that month. After asking if that was all the expenses I would incur she insisted yes until I asked if any interest would be capitalized on my account. She then indicated that it would, because I asked but it was obvious that she was trying to obscure that information as well. I believe they have done this on a few other occasions and it has caused me to rack up over {$20000.00} of capitalized interest that could have otherwise been prevented. Their website is unethical in how it fails to provide detailed and accurate information about my loans and payments. Most of the time their customer service members are digging for answers about why things are occurring on my account as opposed to having access to clear and truthful facts about my loans. They are intentionally obscuring critical decision making information about my loans. In no way are these tools proper for loan management and are causing my loans to inflate to larger amounts as opposed to assist me in paying them down. I believe I was not given proper information to choose the proper Income Based Repayment plan reflective of my circumstances and that has also added over {$72000.00} to my overall amount owed. Their loan servicing is unreliable, inaccurate and unethical. | ||||||
| 04/11/2017 | Yes |
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| XX/XX/XXXX My name is XXXX My Parent Plus Student loan is now been service by Navient Acct # XXXX XXXX On XXXX XXXX agreement was signed with the intention to send my XXXX year old to attend school at XXXX in XXXX XXXX, Ca. with a XXXX loan from XXXX for {$23000.00}. She did n't attend and moved to another city. In XX/XX/XXXX I filed XXXX bankruptcy due to the financial nationwide real estate collapse since I was in real estate and I was foreclosed on my house. During that time I tried to contact them to make sure all my financial facts were correct during my meeting with bankruptcy attorneys. I was not able to get a response from them and I was informed they closed because of legal issues due to predatory, deceptive and unconscionable lending practices. I spent the next 5 years making $ 650 monthly to the court required by my bankruptcy. In XX/XX/XXXX my bankruptcy was discharged and never hear anything from them. On XX/XX/XXXX ( 2 years after my bankruptcy discharge ) I got a letter from Navient stating that my request for forbearance of the payments was just recently approved. I never even talk to anyone since I filed bankruptcy in XX/XX/XXXX. Navient said they were servicing my loan now and that my loan balance now was {$46000.00} at 8.50 % interest. And that my payments would resume on XX/XX/XXXX ( the month after ) for {$600.00} monthly. Since then they have been calling me more than once everyday even if I explained the situation to them and the confusion. I told them that I was not informed of this loan to be paid during my bankruptcy and that I was incurring interest at 8.50 % during my bankruptcy protection that lasted 5 years.. I will be XXXX years old in XX/XX/XXXX. My health is not well. I am taking XXXX and medication for XXXX. I am on XXXX, XXXX XXXX for my XXXX and have XXXX.I told them I was't aware that there was even a loan, never less that I was incurring interest during the 5 years of Chapter XXXX bankruptcy protection. They are very aggressive. Every time the representative offers me to talk to a supervisor they never come to the phone. Once they told me they were going to transfer me to customer service and instead they hanged up on me. I have call them back numerous times trying to see if the problems is solved and all they want to do is collect or push me into and sign a forbearance were interest keep growing. Please I need help to resolve this issue as soon as possible. I am XXXX and this is causing a lot of XXXX in my personal life and health. I really appreciate it! Thank You! XXXX XXXX XXXX | ||||||
| 07/15/2022 | Yes |
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| I am seeking help getting information on exactly what Im making monthly payment towards. Back in the mid to late XXXX I attended a XXXX XXXX. The college was one of the newly accredited schools that was in a plaza. I took a 2-year course in XXXX and received my XXXX XXXX in XXXX from the school. The issue is that I am still paying for the student loans I took out over 20 years ago. The loan has since been consolidated first with Sallie Mae, then with one other place before landing with Navient. I currently still owe over {$20000.00} in tuition to for a two-year course. What is worse is I also attended a private university in XXXX XXXX XXXX Florida named XXXX University about 10 years after attending XXXX College and earned a XXXX. Both loans were consolidated with Navient in XXXX so I have been paying on both loans for a little over 16 years. Currently I still have a balance of {$1300.00} combined on both XXXX loans but still owe over {$20000.00} on the loans I took out to attend XXXX college back in the XXXX. I need help, Ive inquired numerous times with Navient on a breakdown of what was disbursed to make up the balance I still owe and to date they have not been able to help me understand why Ive paid {$16000.00} ( only since 2006 ) towards the XXXX balance and still have over {$20000.00} left to pay on that loan. I am blindly paying for something I have no information on. I recently asked one of the reps to explain how I paid off a loan to a Private University in XXXX XXXX Florida surrounded by Rich kids driving XXXX and still owe over XXXX to the XXXX loan and she had no idea. I recently stopped my auto payment because the most recent deductions rose to {$730.00} a month. I can not afford to continue to pay for a bill when I Have no idea what I am paying for. If I paid XXXX and continue to pay thru XXXX an addition XXXX, that is over {$30000.00} for a two-year pop-up college. This can not not be legal, please help me. I also received numerous Pell Grants from the Dept of education from XXXX College as well, which makes the tuition balance even higher. And this all only represents what was paid in XXXX, what about the other payment prior to XXXX. Something is wrong and I need Navient to do the homework and tell me what I am paying for or stop billing me. I thought it was illegal to expect payment with no bills. Please help me. I attached a spreadsheet of what was paid to date for the 4 loans and what is outstanding. I included my Navient account number. Please help me, I have a XXXX daughter and I can not afford this. | ||||||
| 05/22/2018 | Yes |
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| The account representatives at Navient ( formerly Sallie Mae ) have provided me with false information regarding the terms of my private student loans. They stated that the loans have entered the repayment period as I have supposedly reached a limit for in-school deferment. I informed the customer account representative that I am currently in school, full-time at an eligible university ( who provided the necessary enrollment verification documents to Navient ), and he responded that there is no way I could still be in school full-time after this many years. His response was not only offensive, but inaccurate, as I am currently enrolled in year 4 of a 6-year XXXX program ( + 4 years of XXXX education and 2 years of graduate training for my XXXX XXXX ). I have thoroughly reviewed the promissory notes for these loans and there is no mention of a maximum number of years in which a borrower is eligible for in-school deferment, and in fact, had the deferment been automatically granted ( as the promissory notes state it should have been given my continuous full-time enrollment ), then this loan should not have gone into repayment at this time. Furthermore, the account representative I spoke to most recently strong-armed me into committing to making monthly payments in order to avoid defaulting on this loan ( which was in fact, not eligible for default per the promissory note ). As a result, I have unduly suffered late fees, additional costs and interest, and damage to my credit score. I sent this information to the customer advocacy department at Navient and they responded stating that they only allow 48 months in-school deferment time. This information is not listed in the promissory note or any agreement that I signed or received. Furthermore, the loans they are referring to were disbursed in XX/XX/XXXX and XX/XX/XXXX ( far more than 48 months ago ), yet this is the first I am hearing of this 48 month limit. Their actions have violated the federal Fair Debt Collection Practices Act in numerous ways. They have continued to call me ( on my cell phone and at my graduate student office at school ) and my co-signer 6-7 times a day, every single day. They have threatened me with garnishing my wages and with litigation ( even though the statute of limitations has expired on these loans and it is against the law to threaten litigation on time-barred debt ). They have also provided false information about the legal status of my loan ( stating that it was going to default at XXXX that very day if I did not make an immediate payment ). | ||||||
| 06/22/2023 | Yes |
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| Navient A XXXX Nightmare After the high-pressure recruiting calls and promises of XXXX XXXX I enrolled in the XXXX XXXX program in XX/XX/XXXX. The program tuition was {$21000.00}. I was able to get federal student loans but XXXX then wanted {$5800.00} cash for the remaining amount. I did not have the cash, so they told me about a XXXX XXXX XXXX. I took out the XXXX XXXX XXXX for {$5800.00} through Sallie Mae. And then, they gave me a pink sheet titled Need Money? Sallie Mae offers a loan program for students that need money. I was then introduced to the XXXX XXXX loans that exceeded the cost of tuition and I took out 2 XXXX XXXX Loans both for {$5200.00} each. Currently I owe {$18000.00} to Sallie Mae/Navient for the 3 private student loans that they continue to bill for. I ended up consolidating my federal loans with XXXX. My husband and I unfortunately had to file XXXX XXXX Bankruptcy on XX/XX/XXXX XXXX XX/XX/XXXX in the XXXX XXXX XXXX Illinois ; Sallie Mae was listed along with other creditors. My husband became ill shortly after the bankruptcy discharge and was diagnosed with XXXX XXXX in XX/XX/XXXX. After two XXXX at XXXX XXXX and living in XXXX away from our kids for treatment he passed away two days before XXXX XX/XX/XXXX. At XXXX I found myself a widower with XXXX girls and a mountain of debt again. I have continued to make payments to Navient because they kept calling and harassing. In and out of forbearance, payment reduction, interest only and have not made any progress. I feel like someone has been jabbing a fork in me now and turning it as hard as they can. Navient has done so much damage in so many ways through these years. Simply put, Navient preyed on me for several years. They threatened so I paid what I could. My husband died of XXXX, and I had XXXX girls to take care of and I was working as much as I could. I am emotionally drained by them. Every loan that I have applied for, the interest rate has been based on my credit. Navient has ruined my credit because they said I owed this money and come to find out it should have been discharged in XXXX. I recently had to co-sign on my youngest daughters student loan and her interest rate was high because of my credit due to Navient reporting my delinquency. Navient has continued to make collection attempts on my private loans that were discharged. Currently I am on a program with Navient where they automatically take out of my checking account monthly. They will no longer be receiving any payments from me again and need to cease collections immediately. | ||||||
| 03/09/2016 | Yes |
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| XX/XX/XXXX, my ex boyfriend, took a school loan for truck career driving and he needed a co-signer. I refused and he asked me to speak with the career trainer at the school. I spoke with him and again told him no. The following week, my ex, told me that he was approved for the loan and going to school. I asked him how did he manage to do this without a co-signer and he said that the school didnt need me to sign anything that they would use my name as a reference only. I did not know that my ex, the father of my XXXX children, had literally lied and forged my name. He knew my name, dob, address, place of employment and social security number. Well, the first year of this loan ( he used my address for his mailing correspondence ), he stated he only had to make XXXX payments per month. He would ask me to make the payment by mail for him and he paid me back. Well, the second year came around and now he was receiving mail constantly from Sallie Mae and then I started to receive phone calls at my residence and they were asking for me, I couldnt believe it. I picked up the phone to find out that I was the co-signer. I tried to explain and they wouldnt hear it. I found out he was seriously past due and that they were gon na take me to court for garnishment because of course they cant find him and no place of employment. Thats because he is XXXX and even the IRS is looking for him for fraudelant tax returns for XXXX XXXX. Georgia dept of revenue is looking for him as well. I have been making the payments of XXXX a month for last 5 years and still owe XXXX dollars. I have had my place of employment for 15 years and my home for 12 years and they come after me because he is gone. He has fled to XXXX XXXX and refuses to help me with this nightmare. It isnt on his credit report as bad debt it is on mine and will remain till XXXX. Are u serious??? Please help me with this. I have tried to talk to them about this being a fraud and they just blew me off. Because of him being late and not paying, the amount due today, which is 8 years later, is the amount of original loan. I will not be done till XXXX and I feel that Sallie Mae or XXXX, isnt gon na help me at all. I have asked them for loan documents and they state I can get online, but when I double click on the loan documents there isnt anything there. I have never seen the loan documents only the invoices. I was told I am screwed because of cosigning, but i didnt cosign this loan. Also, my ex has told me that the school is no longer open, went under. I dont know the name of the school. | ||||||
| 02/19/2018 | Yes |
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| In early Spring XX/XX/XXXX, I was on XXXX XXXX and finishing my last semester of XXXX school. My degree program was an XXXX XXXX in XXXX XXXX. I am a XXXX and had hoped to go into leadership a few years after my XXXX XXXX. My loans were serviced by XXXX XXXX at the time and eventually the company transitioned to Navient. I had planned to consolidate all of my loans and take part in the Public Service Loan Forgiveness Program. I attempted, with all clarity, to consolidate my loans.Thus, from XX/XX/XXXX to XX/XX/XXXX, I followed the process and completed paper work as outlined by XXXX XXXX ( Navient ) and tried to fulfill all deadlines as detailed by the company. In XX/XX/XXXX, shortly after the XXXX XXXX XXXX XXXX, I received notice of payment and paid the amount due on what I thought were all of my consolidated loans. In XX/XX/XXXX, I receive a payment a payment invoice of 5-6 times what I paid in XX/XX/XXXX. It was not over {$3000.00} -- far more than I make in a month as a XXXX. I did not understand what had changed? I thought that I had consolidated all of my loans and that amount paid in XX/XX/XXXX was the amount that was due consistently. Unknown to me, My loans were not all consolidated, unfortunately. I had over 30 smaller unconsolidated loans with a few consolidated loans on my account. I experienced XXXX XXXX and multiple bouts of illness following the XXXX XXXX XXXX XXXX. I had been out of work numerous ( I have forms signed and dated by my XXXX XXXX ). It has been multiple years and multiple attempts to have Navient clarify the terms of my loan an assist with my understanding of affordable terms for repayment. I have lost years of being able to use the Public Service Loan Forgiveness Policy. I have incurred multiple derogatory marks on my credit report for loans. I feel that this is unfair and unjust. When I finally received adequate counseling from another source ( XXXX XXXX XXXX XXXX XXXX ), I was able to understand and navigate the process in XX/XX/XXXX of full loan consolidation and repayment in XX/XX/XXXX. However, Navient played no role in this measure. When I spoke to the Department of Education about my loans in XX/XX/XXXX, I was told that it was very odd to have a few consolidated loans on an account. This has been very harmful for me and my family. Particularly as I have been trying to rebuild after XXXX XXXX. The damage done by Navient in making loan terms confusing and making repayment difficult and untenable have damaged my credit to a detrimental degree. I am requesting assistance and help. | ||||||
| 03/20/2019 | Yes |
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| Navient calls me and my cosigner atleast 8-10 per day. Since I stopped making my payments because they went from around {$360.00} to {$900.00} they have been callin gme non stop- suddenly I am also getting random calls from weird telemarketers. I noticed a correlation to an increase in calls form Navient when ever I answer one of these telemarketer calls right after, like immediately after. Its like Navient knows I answered so they will call. I have asked some of the telemarketers flat out if they are associated with Navient and they stall and say they have never heard of that company- American- english speaking costumer service reps! This morning I got a call from a FL ( where I reside ) - Navient has been calling from PA and suddenly I answered a telemarketer call last night from a FL # and now Navient is calling with a FL area code. I asked the Navient rep if he was in FL- he stated he was not- I asked him if Navient is now spoofing # 's and he said Navient has offices ' all over the world- I asked if they had an office in FL- he said he did not know. Aside from this I have communicated to Navient numerous times that I can not afford my monthly payment. They will then send me letters in the email saying they understand and I should call in so they can help me. I call in and they are no help- they do not lower my monthly payment. I provide my income and expenses and nothing! They do not take into consideration that I am also paying on my fed loans- havent had a raise in 3 years and made less $ this year. I shared all this with the agent who began to ask me about my career decisions- why havent I looked for a better job ( I have ), why havent I taken on another job- I would need 3 more to pay them the money they want- because I made mistakes when I was young and come from an XXXX mother that did not know any better. The agent explained even though I was on a low payment plan before it must keep increasing because the goal of the lower payment plans is to work you up to your full high payment- whihc I just canno do. They {$360.00} I was paying monthly was basically money thrown away - has not made a dent with my interest rates. I told them I can not pay what I do not have- they keep repeating they are helping me by giving me a low payment- and I keep telling them its not a lower payment if I can not afford it and it is an increase from the originally lowered payment I was alreay struggling to make. Everytime I get off the phone with them I am in tears. What did I go to college for? They harrass me day in and day out! | ||||||
| 01/19/2017 | Yes |
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| I was due to have my XXXX the day I graduated from college. As a XXXX year old college graduate a child was not in my initial plans, but strived to become a successful mother and start a successful career with my quality education. However, with the inability to find a job that would even pay for the time my child would be daycare my dreams of a career faded and I needed to find a job to pay for my bills month to month. Currently working XXXX jobs to try and pay the bills. With my grace period coming to an end on my loans I sought help from Navient & XXXX XXXX. XXXX XXXX was willing to let me pay interest only payments which I could afford. The only options Navient gave me were either pay the full payment or apply for forbearance. After several phone calls with the agency, countless hours on hold and so many tears of hopelessness it 's hard to see a positive financial life past my student loans. I do n't want to ruin the good credit score I have because I have a goal to buy a house for my daughter and I some day. I found it hard to believe my only option to pay my loan was either full payment or forbearance. I could pay one of my loan payments with the forbearance amount ... They explained to me that the payment option I chose when I started my loan which allowed my mom to make small payments while in college meant that I could not chance my payments post graduation. If this was properly explained in any fashion weather verbal or written communication with this company we would not have chosen this option. My mom was just trying to help me by paying a small amount each month. All of my private loans were originally taken out by XXXX XXXX, but XXXX of my XXXX loans were transferred to Navient during their switch. I spoke with someone in the Navient collection department who was helpful and informative about how to get my payments to the " level repayment '' or " workout program '', when none of the people I spoke with said even existed. He said these programs only accessible through an application and me missing payments ( which after missing 3 payments would effect my credit score and bring on weekly/daily phone calls from the company ). Though he was the only helpful person i 've ever spoken with through Navient he admitted that the process was not easy to get approved for. I have paper work, numbers and countless conversations with people I tried to seek help from. I saw your lawsuit and felt my story would be beneficial to hear from. I attended XXXX in XXXX XXXX Ohio. Graduating with a degree in XXXX and XXXX XXXX. | ||||||
| 10/12/2015 | Yes |
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| I took a private loan from XXXX XXXX which now switches to Navient. Although I ca n't find a job using my degree yet ; I still make the effort to pay toward my debt. They used to take the payment directly from my checking account but they stopped since last XXXX. When I called to question why they have n't the payment from my checking they told me that I did n't renew the income based payment arrangement ( which I did in XXXX ) they verified the date that I told them I call to renew but they told it was n't done. When I asked what I can do to renew again they told me it was too late and I have to reapply again. They asked me for my employment /income information, my expenses then they told me I was in negative by {$900.00} so I was not qualified for income based payment. They changed my monthly payment from XXXX to almost {$300.00} which almost double of what I was paying. I offer to produce my tax return my son daycare information my rent payment and so on to verify that I was n't lying about my financial situation but they declined. They want me to have my co-signer a friend and a single mom of XXXX who 's already struggling on her own to pay the extra money they add up to the payment. Every time I called to make a fair payment arrangement they refused and kept making threat and harassing my co-signer every day. Whenever they talked to my cosigner they told her they were willing to make an affordable payment arrangement and I was the one who did n't want to pay them which was completely false. Since I decided not to take their phone calls due to their effects in my health, I paid them XXXX payment over the phone then I set up bill payment through my bank and paid them through my bank. Yet they are still threaten and harassing me every day with phone calls or my co-signer. They even called me at work and did not give them my work number or fax number. They even went further by faxing my work without my permission and got me in trouble with my supervisor because she thought I was the one giving them my work fax number for personal business. I had to explain to my supervisor that I was n't the one giving them the fax number and have to discuss my personal information at work which was very embarrassing. I have proof that they 've been getting their payment but they are still calling us and making our lives a living hell. I just want to know how can I stop Navient to stop harassing me to death because one of these day they going to cause me to XXXX for a {$25000.00} loan which I am trying my best to pay them every month. | ||||||
| 06/21/2022 | Yes |
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| In XXXX of XXXX I notified Navient that I had gone through a divorce and that my income had plummeted by {$90000.00}. I was barely making {$15000.00} a year and the loss of my now ex-husband 's income was financially devastating. Navient told me to get a second job, that they did not do income based repayment plans, and also suggested that I rent my spare room out to make the payments. I struggled to make the payments and started falling behind those payments in XXXX. Navient sent me a litigation notice late XXXX. I filed for bankruptcy in XXXX. That is when Navient sent my private student loan to XXXX XXXX. In XXXX of XXXX, I received a letter from Navient stating that they didn't have the correct address on file for me, despite me living at the same address for 7 years at that point. They also sent me a bill for $ XXXX and the due date was one week away! I called them and explained that I had very low income and that I could not pay the amount they wanted me to pay. They went through my income with me and still insisted that I made enough to pay the amount they wanted. I told them that I have XXXX small children living with me and that did not matter nor was it taken into consideration during their income status questionnaire. I put my loans in deferment in XXXX of XXXX. Navient had originally said that I could put my loans in deferment for 6 months but the actual deferment period was only 4 months. When my deferment was over, I tried again to explain to them my situation. They did not tell me that I didn't have to disclose my alimony payments in my income information and tricked me into disclosing that information. They asked for that information and did not say that I did not have to disclose it. They also said that my federal loan did not qualify for the student loan repayment pause issued by the United States government. At this point I quit trying to work with them. Navient has- Sent my private student loan ( originally a XXXX bank loan ) to a collection agency called XXXX XXXX in XXXX during my bankruptcy. Navient has- not followed the federal guidelines placed on my federal loans and have been trying to collect on those loans since XXXX of XXXX. Navient has- called me at least 10 times a day for the past six months. They are starting to call my family members to collect the debt. Navient has- Sent me a litigation notice. Navient has- Ruined my credit even further by putting my federal loan in default as of XXXX of XXXX. Combined, both the private and federal loans total to about {$75000.00}. | ||||||
| 09/13/2017 | Yes |
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| Hello CFPB, I 'm reaching out in hopes that you can help me resolve my current predicament with my student loan lender. I recently submitted an application ( attached to this complaint ) to have my co-signer released from my private student loans and, due to my debt to income ratio, it was subsequently rejected. After I received the rejection, I contact Navient to discuss the rejection reason because I believed it was incorrect or, at the very least, not a comprehensive review of my income. Although Navient confirmed I can submit a dispute to have my cosigner release application re-reviewed, they specified that their " procedures requires another credit check to be performed '' on the this disputer which, in my specific scenario, is illogical because I 'm not disputing my credit history, I 'm only disputing the income I disclosed on the application. Additionally, this issue arose from the way in which the application was written - the question of " Gross Annual Salary '' does not clarify whether it was Gross Annual Individual Salary or Gross Annual Household Income ( mine and my wife 's income combined ). When I spoke to the Navient Customer Service Rep, they specified that I could have either combined mine and my wife 's income under the " Gross Annual Salary '' section or included her income under the " Additional Income '' section. However, to me, this was not readily apparent when I completed the application because, from everything in the document, the questions appear geared towards the " individual '' rather than the " collective '' ( me and my wife rather than solely me ). My hope, by lodging this complaint, is to have my dispute handled without an additional hard credit check, especially since it 's been less than 48 hours since the initial check was performed. For your reference, below is a timeline of the events : 1 ) Monday, XXXX XXXX, XXXX - I upload my application via Navient 's website 2 ) Monday, XXXX XXXX, XXXX - Navient performs a hard credit check 3 ) Tuesday, XXXX XXXX, XXXX - Navient emails me rejection notificaiton 4 ) Wednesday, XXXX XXXX, XXXX - I contact Navient to obtain information about filing a dispute, I 'm notified ALL disputes require a credit check. I request whether there 's an exception that can be made for me, since I do n't dispute the credit report and only want my application to be re-reviewed with my household income rather than my individual income. Should you require any additional information, please feel free to contact me and I would be more than happy to discuss. | ||||||
| 03/30/2021 | Yes |
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| XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to document significant issues with my current student loans and request remedy. I did not understand the terms of the loan when I originally took them as a XXXX student more than 10 years ago. The amount that I owe now is more than four times the original principal, despite the fact that I only completed my education and licensure in the fall. I feel preyed upon and Navient will not offer any remedy, despite multiple attempts to work with them ( email exchange with Navient attached ). [ I would write a few sentences here about what you knew and what the situation was when you took on the loans ] I took out {$46000.00} in student loans at age XXXX to pay for school expenses including books and tuition. I assumed that there would be some interest, but I didnt understand what a variable rate was and the impact that this purchase would have on my well being and livelihood. I am currently a XXXX XXXX XXXX and I have to work five jobs to pay my monthly payment. The interest only payment is approximately {$2100.00}. I have to pay above the interest to make even the slightest dent in my principal. As a result, I work a full-time job Monday through Friday, and four part time jobs including XXXX at two separate universitys and doing XXXX XXXX at two separate companies. This is not a sustainable practice, I am often exhausted and unable to properly care for myself and my family, I am also a mother. I have reached out to Navient multiple times regard additional payment options. I was denied twice via telephone and once via email for loan refinancing. The person I spoke with was unable to state why I did not meet the requirements for loan refinancing, they stated that they enter my information into the system and are provided with the options. The people I spoke with were also unable to tell me what had to be done in order for me to meet loan refinancing requirements with Navient. Additionally, I contacted Navient and was notified that they are unable to modify or settle any of my loans for a lesser value. Principal / Current balance / Variable interest rate XXXX / XXXX / XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX Total Principal = XXXX Current Balance = XXXX This student loan experience is overwhelming. I am hopeful that, with your assistance and advocacy, I can have a reasonable monthly payment and pay off the principal I owe rather than extreme interest. Respectfully, XXXX XXXX | ||||||
| 02/06/2017 | Yes |
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| I 've had the displeasure of working with Navient since they were XXXX at the start of my collegiate career at XXXX. XXXX ( now Navient ) was the lender they suggested I work with. -From XX/XX/XXXX ( graduation ) through XX/XX/XXXX, when I was financially stable enough to begin steady payback, I was only offered Forbearance as a hardship option with capitalized interest on my private loans. Each time, I was told to apply for deferment, only to be denied in favor of forbearance without explaination. Ultimately, this capitalized interest from forbearance added over $ XXXX to my loans over the course of about XXXX months. -I was told multiple times by multiple reps that any " additional '' payment would be automatically applied to principal. I found this to be false, that my extra payment instead was applied to interest. When I called to ask for an explanation, I was told that it should not have happened ... but they would not change the payment I 'd made to correct this. -Discussions with reps still offer varied explainations for why I would have differing amounts paid to principal each month since beginning regular, full payments in XX/XX/XXXX. -I have never been given a reason beyond " you ca n't '' when asking to split additional payment toward principal amongst my loans to apply to my XXXX, higher-interest loan. I was told any extra payment that supposedly goes to principal is applied equally to all loans, preventing me from paying down my highest-interest one any quicker. -I still do not understand why I have a disbursement listed on my record dated XXXX months after I graduated. This is unrelated to my capitalized interest. Eventually, I stopped trying to contact them, and stopped trying to pay off additional principal. It became clear that their reps a ) only had access to the same information I did, b ) that they either had no power or desire to help me and my situation, and c ) that information would change from rep to rep as far as what my options/explanations were. It was not helpful to call someone and have them repeat the information I saw on my screen back to me and offer no insight. If i asked to speak to a XXXX, I would be placed on hold for a lengthy period ( expected ) and then receive the same answers from the reps ( also, expected ). It 's unfortunate I can only pick XXXX to " describe my issue '' in this report, because I 've had trouble with how payments are handled, I do n't agree with fees charged, received bad information about my loans and have major problems with customer service. | ||||||
| 01/09/2019 | Yes |
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| XX/XX/18 I filed a preliminary complaint with CFPB because Navient failed to send me notices about the status of my loan and I did not find out there was an issue until they posted late status information on my credit. I provided documentation proving that I was in school the year prior under which circumstance my loan should have received an in-school deferment for a period a few months since it was a summer term and subsequent to that I still had the option to go into forbearance. Navient applied the forbearance and brought the loan current, so instead of my account being in repayment status the first quarter of the year I did not have a payment due until XX/XX/2018. Several representatives have argued that they brought my account current, but they will not remove any late payment entries. I tried to explain to them that backdating a deferment or forbearance is fundamentally contradictory if they are not going to remove the late payment entries, because by approving the deferment or forbearance you are essentially moving the due date and saying that you don't have to pay your loan back now. By Navient refusing to remove the late payment entries on a borrower 's credit they are penalizing them for missing the old due date, compounding the interest, and setting a new due date that says you didn't have to pay it. What's more is that my loan was transferred from Sallie Mae to Navient and what upholds the validity of the debt through the transfer are the terms of the master promissory note. It was Sallie Mae 's practice to remove any late payment entries on a borrower 's credit if they approved a deferment or forbearance. This wasn't a matter of altruism, but rather a fiduciary responsibility to comply with the law. Section 623 ( a ) ( 2 ) Duty to Correct and Update Information. Denial of a deferment or forbearance would be justification or not updating a borrower 's credit report ; however, approving a deferment or forbearance says that Navient has elected not to enforce payment of debt. Reporting a late payment to the credit bureaus is an debt enforcement action which is in direct conflict with approving a deferment or forbearance. This does not just impact me, but hundreds of thousands of borrowers and I believe this is yet another egregious misinterpretation of the law and their responsibilities to its borrowers. This is an argument I believe is worth being heard before a judge, but it would exemplary if Navient would just re-examine this practice and make a change on their own without having to be sued. | ||||||
| 03/10/2019 | Yes |
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| XXXX XXXX # XXXX XXXX XXXX # XXXX I am the cosigner for both the account referenced above. My daughter, XXXX XXXX XXXX, married name XXXX is the primary account holder. The credit report shows 2 late payments one for each account in XX/XX/XXXX days XXXX and her husband had been making the payments on these accounts consistently for over 2 years, on occasion I would get a call from Naviant that the payments were late, but they always arrived before I needed to be concerned. I expected the same on this, it wasn't until I was getting constant and harassing call from Naviant that it became apparent the something was wrong. I reached out to my daughter, but got no response, we have been estranged since her mother I am got divorced, I reached out to her husband and my ex-wife, still no explanation or communication as to why the bills had not been paid. I than reached out to Naviant, apparently the reduced payment agreement between Naviant and XXXX had expired and the payment went from XXXX per month to over XXXX a month. XXXX manages a retail XXXX XXXX facility and her husband had just graduated law school and was working on passing the bar, there was no way they could manage a {$650.00} a month payment. I discovered speaking to Naviant that, XXXX could have extended the agreement with a simple phone call or applied for an income-based payment program, she did neither, and when I attempted to extend her agreement I was not allowed to because I was not the primary signer on the loan, I could do nothing but pay, I had no other options. I did pay to have the late reporting delayed for another 30 days but with such short notice and no warning I could not pay the entire almost, XXXX that was due. I was already paying to have 2 other of her loans that we in default rehabilitated. The plan was and still is to consolidated or refinance all 4 loans with an income-based payment plan, this has been agreed to by My daughter, her husband and my ex-wife. These 2-late payments seriously affected my credit score, dropping it over 100 points. I have assumed the responsibility for these 2 loans until such time as we can get the loan consolidation completed, but the impact on the drop in my credit score makes this more difficult and complicated. I did reach out to Navient to see if there was anything to be done about getting these two-late payments removed but I got nowhere. There are reasons why Navient has one of the worst customer service rating is the industry and they are being sued by a half a dozen or so states | ||||||
| 10/09/2018 | Yes |
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| On XX/XX/2018 at about XXXX PM EST, I spoke with an employee of Navient regarding my past due student loan debt. During that call, I promised to make a payment in the amount of {$590.00} on XX/XX/2018. On XX/XX/2018 a Navient employee named XXXX called my mother-in-law and my father regarding my student loan debt. XXXX of Navient disclosed both the existence of my debt and the fact that my account is past due to both of those parties, neither of whom are parties to my Navient loans. Navient has not been authorized to speak to either of these people regarding my account. Furthermore, I specifically instructed Navient in a telephone call on XX/XX/2018 that they were only to speak to my husband or me about my account. Navient has violated my rights under FDCPA sections 805 and 806 by disclosing information to unauthorized third parties. At about XXXX PM EST on XX/XX/2018 I spoke to XXXX of Navient regarding the aforementioned FDCPA violations. XXXX asserted that his actions were not in violation of the FDCPA. During that phone call, XXXX of Navient refused to stop recording our conversation after I demanded that he do so and asserted that he was no obligation to end the recording. Navients refusal to cease recording our telephone conversation is in violation of Marylands Wiretapping and Electronic Surveillance Act and I suspect that XXXX misrepresentation about my right not to be recorded is also in violation of the FDCPA. Upon XXXX refusal to cease recording our conversation, I spoke to XXXX supervisor at Navient who confirmed that they are indeed aware that such a refusal is a violation of law. He refused to tell me what steps, if any, would be taken to correct this behavior and would not confirm that XXXX would not be rewarded for his practices. While speaking with XXXX supervisor, it became clear that the XX/XX/2018 phone call and promise to make a payment was not recorded in XXXX internal system. The supervisor accused me of lying that the XX/XX/XXXX phone call had taken place. This is a clear indication that either Navient is not keeping proper records regarding my account or that Navient has compromised my personal information such that someone outside of Navient was able to contact me with information about my account. Either way, Navient has for a third time ignorined my consumer rights in order to collect this debt. Navient is either negligent in their training and supervision of employees or they are maliciously and willfully breaking the law and violating my rights in order to collect this debt. | ||||||
| 07/18/2018 | Yes |
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| Today ( XX/XX/XXXX ), I looked at my bank statement and realized that Navient had taken {$1200.00} from my account. This was to my surprise because my Rate Reduction Plan amount was {$660.00} and it didn't expire until next month. I checked my emails from Navient and 3 different emails confirmed that my 1 ) My Rate Reduction plan didn't expire until the end of this month, 2 ) My monthly payment was scheduled for the {$660.00} amount, and 3 ) I had until XXXX to renew my plan or the original amount would be taken out. I immediately called my bank to see if they could stop the check, but they said I had to go to the company. I called Navient and explained the situation. I'm XXXX looking for work and I live in XXXX. I can't afford rent let alone my student loans. My father, who is the co-signer helps me but he has his own responsibilities, so he can't really afford to help me much either. Thank XXXX I had enough money to cover them taking it out, but normally I don't which means that had it been a normal day, I would have been screwed. This time of the month is when all of my utilities and credit card payments come out so usually I only have $ XXXX {$500.00} left over. This could have caused overdrafts and I would have had to scramble for money. When I called Navient they tried to lie and told me that my plan had ended and that's why they charged me. I immediately told them that that is not true and I have documentation to prove otherwise so them taking the money is basically stealing and illegal. They said that they can reverse the check but I'd have to either wait 10 days or provide a bank statement to show them that it was taken out. No sorry or anything. Just that. I was still very angry because I didn't feel like they understood the severity of their actions. I asked to speak with a supervisor because I didn't feel like that was enough. The supervisor, who seemed to have no feelings at all, said that they can file a complaint and add it to my record. I said you could have devastated my life by taking that money out. That's all you can offer is a filing a complaint. You guys are ruining lives out here. She said, " I'll file that complaint for you and I hope you have a nice day. '' Navient is out of control. They know that they are a shady business and do illegal things but they try to hide it or act like they've done nothing wrong. I have plenty of documentation to show that they should have only taken the {$660.00} out of my account and nothing else. So they stole money from me. They need to be shut down. | ||||||
| 04/03/2021 | Yes |
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| I consolidated my student loans in XXXX with Direct Loans through XXXX XXXX XXXX. The loan was then transferred to XXXX XXXX XXXX via XXXX in XX/XX/XXXX. XXXX fulfilled the drop in interest rate to 4.125 % after 24 consecutive months of timely payments resulting in monthly payments of {$350.00}. I qualified for an economic hardship forbearance from XX/XX/XXXX to XX/XX/XXXX, at which time XXXX raised my interest rate to 4.375 %. I paid interest payments only during that time. At the end of the forbearance, XXXX sent a bill for {$2600.00} in remaining interest, which I paid in full. I then signed up for EZ pay automatic student loan payments, which dropped my interest rate back down to 4.125 %. The loan suddenly increased by over {$5000.00} and the payments then increased to {$520.00} per month. I paid {$100.00} to principal on XX/XX/XXXX and XX/XX/XXXX, which were credited properly. I received a 1 % drop in interest rate after 36 consecutive timely payments, dropping my interest rate to 3.125 % and payments to {$450.00} per month. Sallie Mae took over my loans around XXXX and changed names to Navient in XXXX. Auto-debit was set up with Navient and payments of {$450.00} were taken from my account on the first of each month. Despite paying this loan consistently on the 1st of each month, as an automatic withdrawal, extra payments sent were applied to interest and principal both or only to interest. I recently called Navient to have them explain this to me and they told me this was happening because I had outstanding interest charges. I asked how this could possibly happen with consistent on-time payments and the rep could not explain it to me. She did say that if I paid the outstanding {$15.00} in interest, that all future extra payments would be applied to principal. I paid the {$15.00} that same day by having the rep complete a bank draft on XX/XX/XXXX. On XX/XX/XXXX, I made an extra payment sent in with a letter asking that it be applied to principal only and the payment was applied to both interest and principal despite my express request. I am not sure what is going on with Navient, but there is something that just isn't right. I have made over {$4500.00} in extra payments since XXXX and none of them have been applied to principal only. I also think there were some extra funds erroneously applied to my loan by XXXX after the forbearance. I would appreciate some help in evaluating what is happening with this loan and why I keep incurring interest fees despite consistently timely payments. Thank you very much. | ||||||
| 09/04/2018 | Yes |
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| Both my wife and I have student loans which are being handled by Navient. Neither of our loans were being handled by Navient initially, but were purchased after some years, mine about 2 years ago. My previous loan holder was XXXX. What is happening is either misallocation of funds or something worse. When XXXX sold my student loan debt to Navient I had prepaid my balance by over two years ; meaning my due date was not officially for over two years. I was still making my payments, in fact I like to make two equal payments each month to reduce interest and to level out my cash resources as my student loan payment is my largest monthly bill. Upon purchasing my debt, Navient did not grant me the two years prepaid status I had achieved at great sacrifice. When I called Navient upon how I could ask them to give me that prepaid status I was given vague instructions on how to send a letter to someplace I'm not sure even exists, the online form certainly does not exist. I have called the company on multiple occasions so far and each time they " add back '' a couple of months prepaid status. But that status should advance with each full monthly payment I make, but it does not. In four months and with four full monthly payments made, plus an additional amount adding up to at least on extra payment, I have a due date of the end of this month. This even wouldn't be the end of the world, even though having that prepaid status gave me a great deal of relief in these uncertain financial times, but their system will not let me make partial payments if they are not the minimum due! My minimum payment is just under $ XXXX. I like to pay between {$800.00} and {$1000.00} TWICE a month depending upon cashflow. Their system will not let me pay that way if I have a due date of the current month because they say it has to be at least as much as the minimum payment due and their system can not recognize that I am actually usually overpaying by $ XXXX. So not only are my overpayments not continuing to advance my due date. Not having my due date advanced does not allow me to take control of my debt and pay it off the fastest, least interest accrued method available to me. But it does not benefit them for me to pay off my loans quickly and I am getting very sick of spending my time on the phone with a representative who does not have the authority or the know-how to fix my problem and often difficult to understand. The problem is the web site and likely dubious legal practices in allocating my funds that Navient is already being sued for. | ||||||
| 07/16/2019 | Yes |
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| I currently pay {$250.00} in monthly payments to Navient on a Rate Reduction Plan for {$63000.00} on student loans. Approximately $ 200/month goes toward the interest of my loan while only {$56.00} goes toward the principle of my balance. I originally took out about {$50000.00} in student loans through Sallie Mae ( now Navient ). I am on a 30 year repayment as I can't afford the over {$600.00} standard monthly payment. Over the course of the next 30 years based on the current loan rates I pay, Navient will profit at least {$72000.00} on an original {$50000.00} student loan. I've requested alternate payment options- none are available. I've filed formal complaints with Navient- I'm reminded of the original terms and conditions of the loan. When filing the complaint with Navient I was told my complaint is the most frequent complaint about Navient. Even mortgages are available for refinance. I've tried to request my payment allocations be restructured so {$200.00} goes toward principle while {$50.00} goes toward interest- Navent refuses and does not have such a program. Every six months my monthly payments increase with Navient due to a 0.5 % increase on interest. I can not afford the continuous increase in interest payments, I'm frustrated Navient and their shareholders continue to profit off my hard earned money. I've even considered stopping payment altogether but can not as Navient will pursue legal action against myself and my co-signers to garnish wages or put leans against my cosigners property. I comply with the payments to prevent the aforementioned consequences. I do not pay out of consent ; I believe Navient is financially raping thousands of student loan borrowers to line the pockets of the million/billionaire shareholders that have stock in this corporation. Because of Navient and my astronomical $ XXXX/mo student loan payments I can not afford a house, it's a struggle to help support my family, and quality of life is poor. I went to school for a better life, instead, I'm indebted to Navient, paying astronomical interest rates with no benefit to my self or my family. I can not better myself and return to school for a trade because deferment and forbearance will only increase my interest rates and long term repayments. I believe legal action needs to be taken against Navient to assist student loan borrowers reduce payments and help pay loans off faster. After 5 years of repayment to Navient, I have barely reduced overal principle of the loan and will not pay off these loans until I am XXXX years old. | ||||||
| 01/20/2017 | Yes |
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| I obtained a loan from XXXX XXXX ( later Navient ) while attending my XXXX university in XX/XX/XXXX. As an aside, it was reported that the university received kickbacks for me being pushed towards this loan service company. I later enrolled in XXXX in XX/XX/XXXX. As a full-time student, my loan was automatically put into deferment. In XX/XX/XXXX, I was notified that a payment was late. I was billed, with less than 30 days notice, for a full repayment payment. I called and spoke to customer service multiple times, and was told that my loan was taken out of deferment each winter break and every summer break ( for my XXXX year period as a full-time XXXX ) because " I was not taking classes during the break periods. '' As a result, my interest capitalized a total of XXXX times from the time I enrolled in XXXX until the time I graduated XXXX years later ( XX/XX/XXXX-XX/XX/XXXX ). Instead, since I was in deferment as a full-time student, interest should have been capitalized only once upon my graduation in XX/XX/XXXX. This unreasonable service of the loan is in complete conflict with the concept of full-time student deferment. No other loans I held during this period ever capitalized interest ( XXXX, XXXX, XXXX and XXXX ). Aside from the issue of wrongfully capitalized interest and forced payment with a late fee, XXXX and Navient have also failed and refused to provide me with a proper interest statement for tax filing. I have requested such documents and have not once received the proper paperwork. Rather, I have received notices stating " although you may have paid interest in XXXX [ insert any year until XX/XX/XXXX ] the interest is ineligible for a tax deduction. '' As a result of claiming the interest on my tax returns, I have recently received correspondence from the IRS. I was required to compile paperwork and provide supporting documents, since I am still told I am not able to obtain a tax statement from Navient, to provide to the IRS. This wrongful conduct by Navient has now resulted in delays in obtaining this years tax returns, as I am being audited for taken deductions from Navient. I have called and attempted to work with Navient to obtain information and to prevent the capitalization of interest on my loan throughout this time, but no relief or proper response was ever received. I am seeking to hold Navient accountable for the wrongful interest amounts charged, and the cost of legal assistance to respond properly to the IRS for Navient 's failure and refusal to provide the necessary tax documentation. | ||||||
| 09/29/2016 | Yes |
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| I XXXX XXXX hereby files a complaint with the Consumer Financial Protection Bureau ( CFPB ) as my only source to help me with a deceptive collection practice ( s ) from student debt collectors. As your agency may already be aware, the XXXX recently terminated their contract with Navient, as well as other agencies that were supposed to be collecting on nationalized debts, that is debts truly owned by the XXXX. However, the greed that exist within the debt collection community caught up with Navient, and many others when the XXXX suspended contracts for deceptive and illegal collection practices. Navient was never part of any student loan origination. They now claim that any student loans I owe are private, even though previously they claimed they were collecting on behalf of the XXXX. Now they claim that they can not defer payments, consolidate debts, or do anything other than collect on debts they have shown no proof of ownership. I have no clue as to what company is the trustful owner of any procured student loan debts under XXXX XXXX. Even though I never took part in any procurement of a debt from Navient, they ended up being the collection agency for a student debt incurring excessive interest and additional fees. I have requested through complaint to the company directly information as to what company owns this debt. Under the Fair Debt Collection Practices Act I am entitled to this information. I believe that if a debt does exist, it is part of a securitized trust that has been fragmented into small ownership by multiple national banks. There is no proof of ownership, no proof of any assigned power of attorney or assignment of responsibility for Navient. So it looks like my credit will be dinged and damaged by this collection agency that has no stake in the debts they claim they have a right to collect on. I believe that I have a right to sue for damages under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Navient has no right to collect on any debts without proper validation. What this agency is doing is trying to hold my credit hostage as a means to use deceptive and illegal collection practices against an American citizen. Navient must cease and desist from any actions against me on any student loan collections, and delete any references to a collection on all pertinent credit reporting agencies, and purge my file information permanently. Navient must comply with the FDCPA and show proof ow ownership or the connection to collect for any other entity by true copy originality. | ||||||
| 09/19/2020 | Yes |
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| Hi Concerned consumer advocates, I am a victim of fraud to the tune of nearly 5 years worth of timely XXXX dollar payments to Navient while being assured by phone representatives at Navient that I was making progress toward my 10 year PSLF payoff. They advised me to keep making payments and not submit for program credit until the 10 years was complete. I found inXX/XX/XXXX that I was not going to be credited for PSLF service months that I had been making since XX/XX/XXXX. XX/XX/XXXX, when I almost became XXXX because my school loan deferment ended and my payment was listed as over {$1400.00} per month after the XXXX site informed me that Navient was my new servicer as I completed the PSLF pathway per the directions on the XXXX site. Navient told me that in order to reduce my payments and still be in line with PSLF, that I needed to consolidate my loans. I did not know that this reduction in payment was not congruent with the PSLF program, and Navient representatives told me that I need to wait my 10 years before contacting the PSLF representatives. I did not become aware of the fact that the consolidation has to have a letter d in its title until about XXXX of XXXX when I saw the news of all of the people being denied loan forgiveness. They also thought that they were finished only to learn that their loans had been high-jacked into the commercial side and not the federal side of loan repayment plans. It took me until XX/XX/XXXX for my servicer to change from Navient to XXXX. I made 4 payments to Navient during that time of conversion, which are still yet to be credited to my account. From XX/XX/XXXX until XX/XX/XXXX I corresponded with both representatives of Navient and XXXX XXXX XXXX in order to fight to receive credit, but to no avail. Even after I consolidated into the correct loan type with the letter 'd ', made timely payments, under qualifying employment ... I am still awaiting 4 months of credit from Navient who took my paymets continuously yet listed me as haven been under deferred, non-payment status for the 4 months prior to my file transfer to XXXX. I am still awaiting this additional 4 months of credit to my PSLF bank. Someone said that you may be able to help me get credited for this 5 years and 4 months of 100 % timely payments to Navient while they misrepresented my financing, payment status, and all the while I have had qualifying employment and worked with the same company continuously since XX/XX/XXXX at 30 hours per week as a XXXX. Please help me get credited for my payments. | ||||||
| 08/29/2019 | Yes |
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| My father passed at the end of XX/XX/2019. I called Navient to find out what the process was to have him removed as cosigner on two student loans he was a cosigner on. They stated once I receive the death certificate and letters of administration, that I would need to upload the documents to them for them to remove him. Once I received all the documentation, I uploaded them to Navient on XX/XX/2019. I called on XX/XX/2019 to confirm the documentation was received and was being forwarded onto the department that will handle it. I called again on XX/XX/XXXX to check on the status of the account. I was told the paperwork was at the claims department but had not yet been processed. I called again on XX/XX/XXXX to check on the status of the account, again was told the paperwork had been received but had not yet been processed and the paperwork needs to be forwarded on, which one ever did. She said it would be done so and she was putting a high priority on it as I had started getting called about collection on his account though the notated the system of his death. She told me to call back on XX/XX/XXXX. Meanwhile Navient locked his account out on XX/XX/XXXX. I called XX/XX/XXXX and a Ms. XXXX said there was still no update and transferred me to a supervisor named XXXX. XXXX said I need to wait until the end of the next billing cycle that ends on XX/XX/XXXX. XXXX said he would call me back on XX/XX/XXXX, I never received a phone call. On XX/XX/XXXX I received a phone call from Navient telling me to call back. I call the number back that was given and was subsequently transferred two times until they could get me to the proper department. I spoke with someone with employee ID XXXX and she told me the people I had been talking to after calling Navients phone number was a 3rd party doing business on their behalf by the name of XXXX. She told me the account has been marked as deceased, but that the collection agency would continue to call me because one of the bowers accounts hasnt been paid in a few months. I told her he was dead and that they wouldnt be getting any money from my father. I also asked what it would take for them to process and remove him from the loans and to end the phone calls to me. She wouldnt answer my questions. I told her I'm filing two complaints, this one and one with Federal Student Aid. I also told her to never call my number again. Will be speaking with my attorney as well. This constant bantering and dealing with this inept company is taking a mental and emotion toll that is unwarranted. | ||||||
| 05/12/2017 | Yes |
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| Since XXXX XXXX I have applied for a reduced payment plan for my private student loan because the payments are extremely high and I do not make enough to cover the payment. This resulted in a lower interest rate on the loan. I have to reapply every year, which I do, starting in XXXX . I submit all of the required paperwork and I start calling at the end of XXXX to ensure that Navient has received the required paperwork. This year, I submitted all of the required paperwork in XXXX . I called the first week of XXXX and was told that it was too early for me to call and reapply and that they would not help me at that time. Someone then called me XXXX XXXX and said I needed to reapply for the reduced payment plan. We started the process and then halfway through, she said that she could not help me because I had to wait until XXXX to reapply. I informed her the plan expired at the end of XXXX and the paperwork I received stated that I have everything completed by the end of the month. She said there was absolutely nothing she could right now and that I had to wait until XXXX . She then told me that she would call me on XXXX XXXX and actually scheduled an appointment with me. However, I never received a call back XXXX XXXX . I called Navient on XXXX XXXX to discuss my application. The first person I spoke to on XXXX XXXX , tried to tell me that I had a past due balance of over {$900.00} because XXXX 's payment never processed. When I log into the website, it shows that the payment for XXXX was received. I also have emails and bank statements showing the payment was posted. When I asked her to please check the records again, she 'accidentally ' hung up on me. I called right back and got someone else. She tried to tell me that I had a past due balance of over {$500.00}. When I asked for clarification on where she was getting that number, again, I was 'accidentally ' hung up on. I called back again, again, got someone else, who told me that I could not apply for the reduced payment plan. When I told her that 's not what I was told in XXXX and XXXX and could she please check on the requirements, again, I was 'accidentally ' hung up on. I can not get anyone at Navient to give me the same answer, every person I spoke to gave me a different amount of what was owed, NONE of which matches what is showing as due online when I log into my account. It is IMPOSSIBLE to get anyone there to answer my questions and I do n't know what to do. Any help with this would be greatly appreciated! | ||||||
| 05/30/2016 | Yes |
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| I enrolled with XXXX XXXX ( XXXX ) University, XXXX, XXXX campus. XXXX 2015. I am getting collection letters and calls after I withdrew from their campu in a timely manner. I tried to reach out to the advisor who did the enrollment and explained to her when I started getting emails from class information about attending classes on campus. I explained to her my classes was to be online due to my working schedule and travel from my job. First I applied for interest in a XXXX campus which was on my way home from my job. This campus went in and stole my information due to they saw my address and called me in to see their campus. I did only because I thought well I do live near by I can take the classes online. Well I went and there was a storm in our area but I wanted to keep my word. I was rushed given a bag of campus goodies, decals, pens, pencals, mouse pads etc. took a ID and parking pass. entrance exam etc. This was for a fall classes section. However after getting emails that the classes would take place on campus I reached out to the advisor and explained I would need to withdraw I could n't attend and also that I could n't get the financial aid through my employer at the time. So my emails and calls went unreturned by the advisor who did the enrollment. Then I got a call from her boss and was told I need to speak with financial aid office I then realized they wanted to make sure I did n't owe them money. I started to see their scam and thought to myself how could I this man told me I owed this school {$560.00} yes this amount and after I told him I was n't paying this amount and I would need a itemzed bill a break down for what this is for. I explained I never took a class, bought any books, anything nothing. So than after a few weeks, month went by and I got a call from a headquarter 's office in XXXX and explained all of this again to a gentelman who told me to go over to the campus and tell them what happen and I said, no. That my emails, should be enough, my phone calls and letters to the financial aid office should be enough. I explained to him that I did the same with XXXX and when I got a letter that from the federal student aid office my student loan was in default and I was not going to be getting a default clearance letter to attend their school I had to withdraw they were understanding. I did n't get a bill for {$400.00} or {$300.00} dollars. This is crazy for a bag of goodies which I can give them back really I do n't need to pay them for a bag of pens. Thank you for your help in this matter. | ||||||
| 12/07/2018 | Yes |
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| I had around {$30000.00} in student loans remaining at Navient after paying them down for about ten years. I refinanced with XXXX and XXXX remitted {$27000.00} payment to Navient on XX/XX/2018. That ended up being an overpayment of {$1400.00}, and both XXXX and Navient told me that Navient would write a check back to XXXX for {$1400.00} and they would apply it to the principal balance. According to my Navient statement, they acknowledged the {$1400.00} overpayment on XX/XX/XXXX. After almost three weeks when {$1400.00} had not yet been credited to my XXXX account, I called XXXX and they said they had not received any check from Navient reimbursing the overpayment. I then called Navient and asked them to confirm details of the payment. They told me they " batched '' a check to XXXX on XX/XX/XXXX, but they claimed they could not provide me the check number or confirm whether or not the check was negotiated, and that it takes " up to a month '' for a check repaying an overpayment to be reflected in the new loan account. On XX/XX/XXXX, a month after Navient supposedly sent a check to XXXX,XX/XX/XXXX XXXX had still not received a check ( I confirmed this through my online account and a call to XXXX ) so I called Navient back and the customer service agent confirmed that there was an overpayment in the amount of {$1400.00} and claimed that Navient had sent a check on XX/XX/18 to XXXX. I said checks don't take a month to go to another state, and she said that it could take six to eight weeks. I asked for a check number, whether it had been negotiated, and copies of the check, and she claimed it was impossible. After the call, I faxed them a letter demanding they process the overpayment and provide me evidence that they actually issued the check. They did not respond to that at all. On XX/XX/XXXX, I called again and went through the same explanation and the Navient customer service agent gave me the same story that the " check is in the mail. '' I asked her to elevate this to another level of customer service to produce a check number and check images so I could track it and see if it was cashed, and she said she escalated it and that I would receive copies of the check " by XX/XX/XXXX at the latest. '' Today is XX/XX/XXXX and XXXX has still not received a check from Navient and Navient failed to produce the check number or check copies that they promised. It is apparent that they never sent the check for the {$1400.00} overpayment, and that they have just been holding {$1400.00} to which they are not entitled. | ||||||
| 06/06/2017 | Yes |
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| First of All, al l of my loans are in default because XXXX XXXX refused to work with me on consolidating my private loans, they would not help me to get payments to where I could afford them. I was NEVER told ever in the 10 years I have had the student loans that there were other options besides forebearance or deferement. I did those as long as I could until I could no longer do them anymore and then I just did nothing. In 2013 , I was working with Creditor, which I never should have because it was probably out of SOL, but I was told my wages would be garnished etc. I was lied to. This whole process started in XXXX 2013. I w orked a deal with the creditor to lower interest rat e to .001 on private loans after making 4 qualifying payments of {$250.00}. Well I did that, in the mean time Navient t ook over and my interest rate never was changed I fullfilled my obligations they did not fullfill theirs. After repeated emails, and calls and being transferred to several people and no answers. It took 4 years, 4 years for them to figure out how to get my interest rate down to .001 %. I have yet to see any paper work to show that they took off all the interest that incurred during those 4 years as well as any late fees incurred. I have asked and none has been sent. Now they want me to renew my payments for another 2 years. I told them I need the payments lower as I now own a home and I already pay federal loans to Navient and customer service reps are very rude to me and refuse to work with me and lecture me on how I should have never been late on payments and how it can negitively affect my credit score which only ifurates me considering I have waited 4 years for them to fix this XXXX . My mortgage is now twice as high as when I started making these payments I can not even afford to feed my kids. I have worked with them yet they STILL refuse to work with me and continually XXXX XXXX XXXX . I am tired of it and need something done or I am just going to try to get another loan an hire a lawyer. Something needs done to protest us hard working people who are trying to pay this back yet get NO help. I am NOT refusing to pay I am asking for a smaller payment. Federal loans go my my income and is way lower than what they want. I can also go on about XXXX XXXX who also promised to place me in a job when I graduated and they did not do that either. They made many promises and promises to ma ke XXXX - XXXX g rand a year which is NOT happening. Anyhow any help you can provide would be beneficial. | ||||||
| 05/04/2017 | Yes |
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| I am contacting you regarding my student loans that were supposed to have been placed in the Non-for-pr ofit Income Based Repayment program back in XX/XX/XXXX . I c alled Navient a nd spoke with a lady regarding my account ( I do not have her name but I know that there is record of the conversation based on recent conversations with Navient ) and discussed with her that this is the option that I believe is best suited for me and also because I have been with a non-for-profit organization for > 5years which according to her is a qualification for the program. She took down income information, personal information, and was able to pull all of my tax information. She stated that everything looked good and that she would send me an email of some sort about the program and I could read about it. I never got an email of any kind. She said that according to my income and tax documentation my total monthly payment according to the IBR will be $ XXXX monthly until reevaluation time in a year, i n XX/XX/XXXX . The re was never any mention about needing to fill out any application, submit any documentation, nothing. She made it sound as if it was complete because she was able to pull all of my data. This was all on XX/XX/XXXX . T his was a huge relief for me because I have been financially struggling for the last 2 years trying to complete my degree while also raising XXXX and working. Well, I get a phone call from Navient last week and to my surprise I am notified that my account is past due and I am late with my payment. I was confused and told the man that there was no way because according to my last conversation in XX/XX/XXXX , my pa yments are {$0.00} until reevaluation in XX/XX/XXXX . Tu rns out, my loans were never p ut into the IBR program, the y were put into deferment for some reason. Now, since XX/XX/XXXX th ere have been a lot of changes to my household as well as my income which I believe is unfair to me to be penalized for this when the error in this situation was not my fault. I believe that my loans should be allowed to be back dated to the date that I was originally promised entrance into the IBR program a nd it should continue from that point on. If I was charged for deferment, this was done so without my authorization and should have legal ramifications. I am now also having to back check my credit history to find out if there have been any hits to my credit due to all of this nonsense. They are just telling me that it is all my fault and that there is nothing they can do. | ||||||
| 02/06/2017 | Yes |
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| I have student loans with Navient and have been trying to arrange a payment plan with them for over a year. Every time that I speak with an agent, they tell me my only option is to pay {$100.00} and put my loan in forbearance for XXXX months, at which time I would do the same thing and the cycle would repeat itself. I know that I have been accumulating great amounts of interest by doing this and I spoke with an agent today because my loans have been XXXX days delinquent. I understand that is my fault and what the consequences are regarding my credit score etc, but I have asked a number of times to try and set up an income based plan. Today, the agent told me to do that, my co-signer ( mother ) would have to submit her income for them to review and make a decision, not my income. I asked why they would want my cosigner 's income, and not mine - the person who should be responsible for the payments. She told me that is how things are and that I have to pay the amount now or have her submit her income, which I know will not lower payments as she makes more than me ( which I am sure is the case for many student borrowers ). I asked several times for them to work with me and said that I have every intention of paying them and want to make payments. She still gave me no options. I am extremely stressed out over dealing with this and can not believe that there is no option for me to set up a payment plan. I have never had this sort of problem with any other company and I do not understand why MY payments would be based off of what my cosigner makes. I spend hours every day stressing out about this and am constantly getting calls from them, at least XXXX times a day. Their voicemails always say that they are willing to work on coming up with an affordable plan, but every time that I speak with an agent they tell me I have no options on working out a repayment plan. I know that my credit score is being destroyed by this company and every attempt I make to arrange something gets me no where. This time, the agent even hung up on me after she ordered me to tell my mom that she has to make the payments for me and that they have to be paid now. I just want to be able to arrange a repayment plan with them that is more affordable for me as I have an entry level job and am responsible for living expenses, groceries, utilities, car payments, and other college loan payments among other common bills for young adults living on their own. I do n't know what else to do, because every time that I speak with an agent I get no help. | ||||||
| 10/12/2023 | Yes |
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| I attended a XXXX XXXX ( first name was XXXX XXXX XXXX for first few months, then name changed to XXXX XXXX and then they lost accreditation. The school physically closed just before graduation and they opened another campus ). The main problem is federal and some private loans have been forgiven for students who attended closed XXXX XXXX or defrauded in the financial aid office or both. I fit all the criteria. The federal loans that werent paid were forgiven. The amounts I was told differed between financial aid office and what navient showed! The total cost of tuition was approx XXXX. XX/XX/2006, I allegedly acquired a private loan worth {$20000.00}. There were a few federal loans in the amount of XXXX, XXXX, and XXXX. I was told and led to believe that my loans were federal. The education dept XXXX the last XXXX loans listed above. My complaint is I or my parents have paid the original loan balance and over how is it that the total balance has ballooned to well over {$51000.00}?! I understand how interest works but the fact that the school is and was defunct is not being considered. If I qualified for federal discharge due to school closure and or fraud AND I have paid Navient what was borrowed and then some, why should I be on the line for $ XXXX from a school that doesnt exist. I had a hard time finding employment in the field and was coached to lie. I no longer work in a field using that degree. I could not transfer the credits. It was literally a piece of paper. I feel that Navient should consider my loan repayment as complete. They will not give me any proof of transfer of any promissory notes from sallie Mae either. I am positive some things got lost between the shuffling of the schools and the transfer of my loan from sallie Mae to navient. The numbers do not match. Also, the school I attended is not the school Navient has on record. I never attended XXXX XXXX! I attended XXXX XXXX XXXX This has caused me an unbelievable amount of stress and frustration that these private loan companies can get away with financial abuse. I can not afford XXXX in student loan payments. The phone calls start after day XXXX missed payment I have XXXX federal loan allegedly from XXXX that NAVIENT said did not qualify for forgiveness. Id rather be sued, they wont do it. I WANT a judge to listen to how unfair and unjust the situation is for other XXXX XXXX I want to be done and away from them for food. I will never pay off these loans from a school I never attended, that lost accreditation, that closed in my lifetime. | ||||||
| 03/19/2020 | Yes |
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| I have a Federal Parent Plus Loan that is currently being serviced by Navient. On XX/XX/2020, I contacted Navient to inquire about lowering my monthly AutoPay amount by {$60.00} as part of family budgeting changes due to the current COVID-19 related financial crisis. I owe about {$25000.00} and was paying XXXX monthly which resulted in a total repayment in about 39 months of a bit in excess of {$28000.00}. I was told by the customer service representative that they could not make the requested change, but calculated a new repayment schedule of {$370.00} a month for 24 months, followed by two terms of payments in excess of {$1100.00} per month that pushed repayment out into XXXX, and would have a cost to me in excess of {$180000.00}. I explicitly told the representative that I did not want this option ( multiple times during the recorded conversation ) and to just leave the account as it currently existed and after a few demographic questions ( address, phone, and email verfication ), ended the call. The morning of XX/XX/2020, I received an email notification from Navient that my loan payment terms had changed. Turns out, they were changed to the proposed and rejected new payment schedule from the prior day, without my consent. I called customer service at Navient and complained about the situation, requesting that my loan payment terms be set back to what they were prior to the XX/XX/2020 call. Representative offers a couple of payment plans that were close to, but not exactly what I had had before. Consequently, I asked to speak to his supervisor. The representative put me on hold, and came back after a few minutes, without the supervisor, asking about would I accept one of the new payment plans and that he would internally register an inquiry about how this happened. Again, I asked to speak to the supervisor as what I wanted was to have the account put back to how it was previously. Representative said he would connect me with the supervisor and put me on hold. After a few minutes, he returned and stated that the account was set back to the original payment plan. I never did get to talk to the supervisor. While my situation was rectified, I have concerns that Navient representatives are making unauthorized changes to repayment plans, resulting in longer repayment terms and more interest expense for customers. Also, the fact that I never was able to talk to a supervisor and lodge my complaint seems to me to be indicative of a pattern of pervasive dishonest and misleading behavior on the part of Navient. | ||||||
| 06/02/2017 | Yes |
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| In XXXX, we my husband and myself took out a loan with XXXX. Not realizing I should have educated ourselves a little better on School loans. My daughter is also on as a co-signer, later on approx.XX/XX/XXXX, I asked about removing our daughters name as a co-signer. XXXX instructs us to follow the rules and regulations for this to happen. I had to become current, since we did have some late payments, deferments, etc. It took us a while to maintain current payments at that time because we were also in one of those upside loans on our mortgage. After doing a short sale on the house and giving it back to the bank, things were becoming worse with my health. we decided to move out of the area to a smaller less expensive town so things would be more affordable. I always kept in contact with XXXX, finally maintained on time payments for 24 month as we agreed upon in order to release my daughter as a co-signer, then re-negotiate the loan. In the middle of this process, XXXX sends us a letter stating they are having a name change to Navient. My health is deteriorating and becoming worse, so I am no longer working. Navient has a new set of rules and tells me we do not qualify for release of a co-signer, my husband is retired and taking care of me, also maintains a part-time job with one of the XXXX XXXX XXXX So for the last two to three years we have been calling them, trying to negotiate new terms, and they are refusing. We are paying them on a regular basis, with our daughters help sometimes because of medical bills. They are telling us we have no benefits, wont even look at lowering the interest rate since our credit scores are better now then they have been. We are at 10 % variable and currently has just gone up another {$10.00}, which might not sound like much but it does make a difference when your payment is already over {$330.00}. Only {$40.00} is going to principal, at this rate we will be paying this forever! We need help, I 've checked into personal loans but now they are over 12 %, which would give us an even larger payment per month. I have asked to speak with managers, they refused, I have asked to write a letter to the lender, they say cant tell me who that is, I do n't know what else to do.? We do n't deny we owe them, we are just looking for a little breathing room. Everyone else regarding our creditors have been so accommodating, IRS, State treasury, Hospitals, even a second student loan has dropped the payment amount. I do n't understand why they wont work with us. What else can we do as consumers? | ||||||
| 03/07/2017 | Yes |
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| I would like to file a formal complaint against XXXX/Navient Corp. I have a federal student loan that has been serviced by Navient Corp. since XX/XX/XXXX when I was attending XXXX XXXX XXXX, in XXXX, XXXX. In XX/XX/XXXX my loan went into default. At the time of the default, Navient Corp. sold my loan to XXXX XXXX XXXX XXXX ( XXXX ). XXXX attempted to collect the debt from me, through a " loan recovery '' plan, through a company called XXXX XXXX. I signed up with XXXX to get this loan back into good standing and completed the program on XX/XX/XXXX ( according to XXXX XXXX ). At this time my loan was sent back to XXXX, which intern sold it back, or gave it back, or transferred it back to Navient Corp as of XX/XX/XXXX ( according to XXXX ). When I signed up with XXXX, they recorded all of my information, phone number, SSN, birth date, and ADDRESS at the time. All of this information was sent back to XXXX, and than on to Navient. As of XX/XX/XXXX I have moved, 1 time, in XX/XX/XXXX. Before that time I resided at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX since XX/XX/XXXX. Not 1 time between XX/XX/XXXX to XX/XX/XXXX did I receive ANY information regarding my federal loan from Navient Corp. All the while I was under the impression my federal loan was in good standing, being that I have been making payment on my PRIVATE loan, which is also serviced by Navient . On Friday, XX/XX/XXXX, I received a notice in the mail from the Department of Treasury, stating that my Federal Tax return was being sent to XXXX due to a defaulted Federal Student Loan, which had been serviced by Navient. For just about 2 years, Navient had not tried to get into contact with me about my federal student loan, all the while having my correct address. Navient was using an incorrect address to send correspondence to me regarding my student loan, therefore the loan went into default, at no fault of my own. Navient has had all my correct information since XX/XX/XXXX, up until I moved in XX/XX/XXXX. Being that I have a private student loan through Navient, and had I been sent the information on my federal student loan, I would have been able to make payments on my federal student loan, and I would not be in this situation. Due to the lack of professionalism by Navient Corp. my loan went into default, and now {$7600.00}, which is my entire Federal tax return, has been sent to XXXX to help pay down the {$10000.00} I owe in Federal student loans. I want this money returned to me ( {$7600.00} ), and ALL my debts with Naivent Corporation settled to {$0.00} | ||||||
| 08/29/2022 | Yes |
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| According to the STIPULATED CONSENT JUDGMENT signed on XX/XX/XXXX under page 49 of Appendix A of the settlement qualifications I believe I am entitled to have my private loans discharged for predatory lending practices due to having a credit score below 640 at the time of origination. This is in reference to the Navient settlement vs various AGs ' please see below : SUPERIOR COURT OF ARIZONA IN XXXX XXXX STATE OF ARIZONA, ex rel. XXXX XXXX, Attorney General, Plaintiff, v. NAVIENT CORPORATION, NAVIENT SOLUTIONS , LLC, PIONEER CREDIT RECOVERY , INC., and XXXX XXXX XXXX, " Category 3 Criteria : Non-traditional Any non-traditional private education loan with an outstanding balance and in Past Due Status as of the Debt Relief Forgiveness Date disbursed by SLM Corporation lenders, subsidiaries, predecessors, successors, and/or affiliates after XXXX. Non-traditional as used herein means a private education loan disbursed ( 1 ) to a borrower with a XXXX score below 670 at origination to attend a private for-profit educational institution; or ( 2 ) to a borrower with a XXXX score below 640 at origination to attend a public or a private not-for-profit educational institution. '' I have been attempting since XX/XX/XXXX to receive my credit score information from Navient with no success. I reached out via email on XX/XX/XXXX requesting the promissory notes and loan origination paperwork which I believed would have my credit score on it. After receiving a packet in the mail that did not have what I requested, I escalated my complaints via email dated XX/XX/XXXX and also XX/XX/XXXX. I also called into Navient in XXXX and the representative stated he would escalate the request. I called in again on XX/XX/XXXX and requested again the credit score report showing my credit scores from XXXX when these loans originated. I still have not received what I requested. I called in again today XX/XX/XXXX and the representative told me it was escalated last week but still had no resolution. I am looking for a copy of the credit score that Salliemae pulled on my behalf when these loans originated. My scores were below 640 as I had to have a cosigner on these loans. I have attached the copies of my emails and the lawsuit appendix A for review. I believe Navient is deliberately concealing this important credit score consumer information that applies to predatory borrower victims like myself who attended public college as a means to avoid further financial loss to those who do qualify in the terms of the settlement agreement. | ||||||
| 02/24/2020 | Yes |
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| Navient refused to permanently remove late payments shown for three XXXX XXXX loans that I took out in XX/XX/XXXX for each of my XXXX sons. The first basis for my request for removal of one loan showing in collections and all showing several months late -- severely damaging my credit -- was that I have several private student loans being serviced by Navient. I am currently a XXXX XXXX. When Navient advised that my " private loans '' were in repayment, and I began a payment plan, I reasonably understood that ALL student loans that were supposedly due were included in the repayment plan. Secondly, Navient insists that the loans were not for my children despite that my children 's names are on the loan documents as the benefactors of the loans. Third, I argued that the negative entries had to be removed, as a matter of federal law, because I was never notified that the XXXX XXXX loans were in arrears. Finally, I filed Bankruptcy in XX/XX/XXXX in the XXXX District of Oklahoma. Many Circuits, including the XXXX Circuit wherein the XXXX District of Oklahoma sits, recognize that XXXX XXXX loans are commercial loans and not student loans that are exempted from Chapter XXXX bankruptcy. My last conversation with Navient evinced their attempt to conceal that they were collecting on the XXXX XXXX loan because the agent referred to the loans by either loan number or another acronym -- never calling the loans XXXX XXXX loans. My dispute with the credit bureau resulted in Navient removing from my credit report the XXXX XXXX loan that is supposedly 18 months or more in arrears and in collections. Within a month of that retraction, Navient and the credit bureaus added the loan that was in collection back on my report -- -reflecting me being {$7000.00} past due. My primary issue is with Navient. However, that the credit bureaus allow me ( and others ) to initiate a dispute only to resolve said dispute by taking the furnishers ' " verification '' at face value without providing me a copy of the certification furnished denies my right to due process and to further challenge the issue. I would like for the CFPB to ( 1 ) intervene in the investigation into this particularly nuanced case regarding XXXX XXXX Loans i.e. loans taken for a third party and ( 2 ) initiate an action aimed at requiring credit bureaus to make their dispute process transparent and provide the person making the dispute with a copy of the documents upon which the Bureau relied to confirm or modify the information furnished BEFORE such action is taken | ||||||
| 02/26/2020 | Yes |
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| This complaint is against Navient Student Servicer. I started at XXXX University in XX/XX/XXXX. At that time, my previous student loan had been forgiven and closed. I completed my XXXX XXXX XXXX in XXXX in XX/XX/XXXX. In XX/XX/XXXX, Navient started taking payments ( {$300.00} per month ) from my account but by XX/XX/XXXX, I requested a forbearance. The forbearance process was not explained fully but it was granted. Within a few days, another loan from Navient appeared on my computer screen for {$430.00}. When I called Navient, I was told that there were two different loans. When I attempted to explain that I only had one loan, the representative told me that I took out a personal loan. I have never taken out a personal loan with Navient. I have always used the FAFSA system for my student loans. The representative granted a deferment on both loans for 6 months. Now, Navient tells me that I am not eligible for forbearance and that I owe {$95000.00} in student loans. I informed the Navient representative that could not be correct and she informed me that each day my loan was on deferment, I was being charged. I informed her that it seems Navient has a deceptive system they are using on students and she attempted to offer the Navient Student Forgiveness Loan. The representative started to ask me if someone else used my student loan information and she also mentioned the loan from Sallie Mae when I was attending the University of XXXX which was closed. She then told me that I paid off three of the loans but I still have eight more loans. When I asked her about the private loans, she could not explain how I received that type of loan without applying for it. I understand that not paying the student loan is not good but I can not pay {$800.00} worth of student loans per month. Navient is being unreasonable but according to them, they go by the reported income on W-2 forms. Well, if that is so, I should be eligible for a decrease since my spouse passed away on XX/XX/XXXX. I mentioned that fact to her but she was so involved in trying to sell me the Navient Student Forgiveness Loan package, she failed to listen to what I was saying. The Federal Government urges education but when individuals seek student loans to assist with their education, the loans are referred to companies that treat the consumer unfairly. The Federal Government should place a cap on the amount a company can charge per month for a student loan. They should also decrease the charges the student faces after receiving a forbearance or deferment. | ||||||
| 08/15/2017 | Yes |
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| Hello CFPB, I am filing this complaint against Navient due to their negligence to negotiate affordable payments. They have harassed me with phone calls. They even sent me a holiday card saying that my balance was pass due. I have been in communication with them in order to get my loans out of default. Before my loans went into default in XXXX XXXX, 2017. I was trying to negotiate with them to lower the payments. Navient 's service representative told me that I would have to pay at least {$10000.00} in order to make it current. I told them I did not have {$10000.00} to pay. They asked me is there a way I could ask my grandfather who since he was the co-signer. I replied no, because he has XXXX. They said sorry to hear that, is there a way you can take it out of his account or retrieve the money from his 401 k or insurance policy. I told them that was very inconsiderate and no, I could not do that. After that I was told my loans would go into default and my account would go to a 3 party debt collector. A few weeks later, I began receiving called from Navient credit collections department. The first offer was if I pay 10 % down on my initial loan than my balance would decrease and be up to date. Also, I had to pay {$250.00} every month for the next 10years. The service agent asked if I needed time I said yes. A day later, I kept getting random calls from different service agents. The only reason how I knew it was them calling because of the different voicemails I received when I got out of my meeting. I called Navient back last Thursday, XXXX XXXX,2017 in order to negotiate my loans being in default. They said that I could try to take out a PERSON LOAN from the following : XXXX, XXXX, XXXX XXXX, XXXX XXXX. I applied for all of the loans and got denied. The agent told me that I did it wrong, I was supposed to fill it out for a PERSONAL LOAN. I rechecked my accounts for the personal loans, the only loan I applied for incorrectly, were the loans for XXXX. Since XXXX already denied me a loan, they would n't give me the option of a loan. I told Navient 's customer service agent that I did not have a co-signer but I can pay the $ XXXX month. She told me that due to my account being pass due and it is being a private loan, they could do whatever they can charge whatever they wanted. I told her I am not getting approved for a loan due to my student loans being in default. They did n't care at all nor try to negotiate. I told her I dont have it and that I would be consulting a lawyerIn order to resolve this issues. | ||||||
| 08/02/2022 | Yes |
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| Navient states I am not eligible for the private loan forgiveness settlement because my private loans were in forbearance, but the qualifications state only that a person needs to have missed XXXX consecutive payments before XX/XX/XXXX, and states nothing about forbearance. I was in forbearance because they stated at the time that was my only option since I couldn't pay and if I didn't that the loans would go into default and then they could garnish wages and put a lien on my house and ruin my credit. So I was forced to go into forbearance because of their threats. Even today, XX/XX/XXXX when I tried to speak to a supervisor, she stated my loans are set to go into default next month and that they can garnish my wages and put liens on my home, which is their scare tactic. My interest rates are really large and they won't lower the rates and they refuse to acknowledge that I do qualify for the forgiveness. They harass me at least 4-5 times per day. I pulled up my payment records to Navient and it clearly shows I've missed payment numerous times and the ONLY reason I did the forbearance was due to them stating what would happen to me if I didn't and they never clearly stated the truth to me. Again, no where does it state that if your accounts were in forbearance you couldn't get the forgiveness. When I brought this up to the supervisor she then stated I didn't qualify because I had to miss XXXX consecutive payments. When I told her I missed XXXX payments she then stated I didn't qualify because of forbearance. It's not right if I don't get it when I felt pushed into forbearance in order to keep my wages from being garnished. I did a printout of my account with Navient and I didn't make any payments from XX/XX/XXXX - XX/XX/XXXX which is 13 months AND from XX/XX/XXXX - XX/XX/XXXX which is 9 months. The requirement for forgiveness states : " The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, XXXX XXXX, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. '' It states nothing about forbearance and I definitely qualify. I told the supervisor that I was filing a complaint and she then told me that my account is going into default next month and she didn't think this complaint would be addressed by that time and therefore they could put a lien on my house, ruin my credit and garnish my wages. I DON'T DESERVE THESE THREATS. | ||||||
| 10/31/2018 | Yes |
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Web | Servicemember |
| When I first applied for Federal student loans they were through the US Department of education and one year they suddenly transferred my loans to Navient who later on transferred my loans to XXXX XXXX. The department of Education reported my loans being on the Public Service Loan forgiveness repayment plan, but when I was transferred to Navient they told me I qualified for public service loan forgiveness but my repayment plan was income based and after 10 years my debt would be forgiven if all payments were made on time every month. My payments would change from time to time and at times be very high as much as I paid for my home a month. I would call and talk to them about the different payment options and different employees would give me different information every time I called. One person said I did not qualify for loan forgiveness, one person said I did, one person said I was never on that forgiveness program, and one person would say how many years I have been in the program. It was very conflicting, I never know what to believe, and feel like in the end I am going to have paid back more than I had to or I have been struggling financially with high payments when I could have been paying lower payments. I have also went through the same situations at XXXX XXXX, Since then, I have had several loan management companies call me and tell me that I should not be paying anything or next to nothing. They tell me I am being taken advantage of and at the end of my 10years of repayment I will be denied forgiveness due to how my loan company goes about handling loans so that they can get more money back. No one in the loan companies told me that I had to refile for income based repayment every year using my tax information until last year. So I know for a fact that for a few years I have been overpaying on my loans when it comes to monthly payments all because they didn't tell me I had to re-apply every year. And another thing, is that I have been shuffled through the system with everything out of my control with my loans being passed off from the US department of Education to Navient and then to XXXX XXXX. Its ridiculous! I should have been able to take my loans out with one company and stay with that company through repayment and be given consistent information throughout. It is so easy for student loan companies to take advantage of people, because all we know is that we have to pay what they tell us to until our debt is paid in full or its forgiven. Please investigate for me and help as much as you can. | ||||||
| 10/12/2015 | Yes |
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| I attended XXXX College XXXX. I graduated in XXXX and went into forbearance in XXXX. During this time ( XXXX ) XXXX XXXX used boiler room tactics to put borrowers into forbearance because they would have otherwise defaulted. Once forbearance ran out and it was time to make full payments, my loan amount had ballooned from $ XXXX to $ XXXX. And overall, from XXXX to XXXX, the amount of private loans that XXXX XXXX put in forbearance doubled to {$2.00} XXXX. On XXXX XXXX XXXX XXXX ), a district judge XXXX gave his preliminary approval to a settlement agreement in a class action suit filed by investors who claimed that XXXX XXXX, the giant student lending company, had violated federal securities laws. The class action suit claimed that in XXXX, as it prepared itself for a lucrative purchase by a consortium of banks and private equity investors, XXXX XXXX lowered its lending standards to bolster its portfolio of high-interest-earning " subprime '' private student loans. But, when the economy started to crash and default rates spiked, XXXX XXXX attempted to hide the damage by changing its loan forbearance policy to punt defaults into the future. In the proposed settlement, the XXXX parties agreed to the creation of a {$35.00} XXXX pool to " resolve investor claims. '' That was good news for the investors, and seems like a relatively cheap price for XXXX XXXX to pay to avoid a trial. But the settlement offered nothing to me, the student who was lured into taking out loans to pay for my education. I am not looking for loan forgiveness. I am fully prepared to repay my loans, and to date have paid {$64000.00}. My plea is for XXXX XXXX to reverse the exorbitant ballooning I was illegally coerced into accepting in XXXX. WITHOUT my consent, or the consent of my Co-Signer, those {$70000.00} student loans have risen to {$140000.00}. If I had been notified by the loan " experts '' that forbearance should be used as a last resort as my debts could quickly double, I would never have opted for the forbearance. I was XXXX years old with no concept of the time value of money and XXXX XXXX revealed nothing more than, just pay an extra $ XXXXmonth and we will put you in forbearance. So again, I am not seeking forgiveness of my student loans, I am seeking to eradicate the unethical gains of the disreputable XXXX XXXX XXXX. I did not consent to doubling my loans, and neither did my co-signers. I should not pay any debt that was ballooned by commissioned reps in an unregulated environment where boiler room tactics were used. | ||||||
| 10/14/2022 | Yes |
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| Re : Navient Settlement XX/XX/XXXX My name is XXXX XXXX. I am requesting student loan debt cancellation. According to the https : XXXX I am a borrower whose debt spans generations : my mid-career student loan was applied for through XXXX XXXX XXXX XXXX. I was residing in the XXXX of Maryland when I applied and returned to Maryland after the 2 year XXXX XXXX was completed in XXXX. For years Navient failed me ( XXXX XXXX ) and consumers who counted on the company to help give us a fair chance to pay back our Student Loans. Consequentially, prior to and since the XXXX settlement resolution, the interest has accrued due to Navients forbearance steering practices. As a result, this borrowers loan balances has almost doubled from approximately {$50000.00} the original amount to approximately {$93000.00}. During the last 24 years, Navient has failed and or refused to disclose accurate information on loan forgiveness after XXXX years of qualifying payments. In a recent phone call to the Navient, the representative, misinformed this caller about loan forgiveness and placed this borrower on hold multiple times for XXXX minutes ; and refused to answer questions about the number of forbearances, income driven, deferment applications were filed from this borrower. The representative refused to disclose the number of payments received from this borrower, asking, whats the reason for the question. After being placed on hold for a long period, she answered that the total was approximately {$14000.00}. The conduct reforms imposed by the settlement include prohibitions on compensating customer service agents in a manner that incentivizes them to minimize time spent counseling borrowers. As result of said conduct during the aforementioned phone call, Navient has failed to adhere to the terms of the Settlement. After many, many phone calls it appears Navients guidelines for Loan Forgiveness are either impossible or Navient is not following the Settlement terms. As a result, Navient has impeded the timely process of applying for student loan forgiveness. Finally, this borrower, XXXX XXXX, did not receive any notification or information from the Servicing provider, Navient of the class action lawsuit settlement. Nor did XXXX XXXX receive a Post Card. What recourse is available now that I am well past the age of retirement having worked directly in Public Service positions and currently as a XXXX with XXXX. Thank you and I appreciate your consideration and assistance. Respectfully, XXXX XXXX, LMFT MA ( XXXX ) XXXX | ||||||
| 03/01/2019 | Yes |
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| In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I spoke with Sallie Mae about my loans, indicating that I want to qualify for the PSLF program, and was told that I had the correct type of loan for forgiveness but none of the forms were created yet for the program as you need 10 years to qualify. I was told that being in forbearance wouldn't hurt, as it is a type of repayment plan multiple times then and until XX/XX/XXXX. My loan was transferred to Navient when Sallie Mae was defunct. I called them when I was transferred, and they assured me that utilizing income sensitive repayment options and/or the lowest payment amount, which at times was XXXX $ a month in forbearance, was fine for the PSLF program. In XX/XX/XXXX, after re-applying for income sensitive repayment again, I called again, and indicated that I could afford some payment and did not need a full forbearance, and they told me that I qualified for forbearance, and so that is the best thing for me to do. I asked what would happen if I sent payments anyways, and they said, basically nothing, because the balance and interest was so high that sending XXXX-XXXX $ a month wouldn't do any good, and wouldn't change my plan. At that time I was first told that I was not in a program that would qualify me for the PSLF program, and that in order to qualify for that program, I would have to re-consolidate my loans and have my husband co-sign them. She indicated that she was only telling me this because now she was " legally obligated to do so. '' She indicated that once I reconsolidated I could get into the right program but it would be 10 more years before I qualify, and as it has been 2 decades since my first set of loans, she didn't recommend it as I would be at the 30 year mark anyways. I have worked for public agencies with lower pay than public agencies, in public service, since XX/XX/XXXX. I have no idea how many " qualifying payments '' were made, as often the forbearance was the only option given to me. I suspect that I made roughly 6 years of payments in plans that don't qualify me for the program, and my debt is now over 200,000 $ and my interest rate remains over 6 %. I have been unable to get any clear information about what plans do qualify for the program, and any information from Navient. I don't understand why my husband would have to co-sign my student loans in order for me to qualify for a program that I should already qualify for due to my years of public service. There is no where to turn for answers as Navient is not doing their job. | ||||||
| 02/28/2019 | Yes |
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| I have called Navient many times after XXXX discharged this issue on the complaint XXXX. Last contact date to Navient was XX/XX/XXXX. They refuse to remove the late payments and Navient stated I would have to call the credit bureaus to have it removed. Navient discharged the fraudulent account on XXXX and then sold the accounts to XXXX in which I had to have this issue discharged with XXXX.XXXX resold it back to Navient. This issue is bouncing around after I notify them of fraud. Lastly, Navient new of this matter and they still have the discharge information from when I notified them and left the account on my profile. This matter shows currently open on my XXXX report as well as 120-180 late payments. Navient has not furnished me a promissory note to show proof of the said debt. I want the late payments removed and the accounts of debt.There are a total of 6 accounts : STUDENT LOANS DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$7800.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$5800.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$5100.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$4500.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$2100.00} 120+ Days Late The account was closed but still, show late payments from my complaint : XXXX. I wish to have it removed along with late payments. XXXX {$13000.00} Closed Overview You've paid off -34 % of your student loan amount. Balance {$13000.00} Highest Balance {$10000.00} Monthly payment {$0.00} Opened Unknown Term months Payment History Youve made 86 % of payments for this account on time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks Consumer disputes this account information Collection account Fixed rate Times 30/60/90 days late I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX XXXX and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to XXXX ( XXXX XXXX XXXX XXXX ) Account # : XXXX. I faxed the information to that company onXX/XX/XXXX | ||||||
| 12/14/2019 | Yes |
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| To Whom It May Concern, I'm writing because since Navient took over my student loan, I've been having a problem receiving my monthly statement. When they took over my loan, they wanted me to convert to an online payment system, but I said I wasn't interested. What started happening soon after was that they would occasionally not send me a statement. This happened several times and I would wind up paying the amount owed, plus a late fee. When I would call, no one was able to explain why I wasnt being sent a monthly statement. In XXXX of this year, Navient, without warning, stopped sending me a statement altogether. Months went by, and still no statement. During that time, I made several calls and whenever I asked why I wasnt receiving a monthly statement, no answer was given. During that same time, I also received several emails from Navient in which they were requesting payment. I tried to respond to their emails, but I was unable. Every time I would respond, my email would be returned unread. Because the service at their customer call center is substandard ( the last time I called I was left on hold for fifteen minutes and I hung up ) I tried to find a valid email address for Navient on their website so that I could explain my situation in writing, but I was unable to find a valid email address. Its possible I just didnt see it, but I dont think so. With any major company, you can go on their website and find their customer service email address in seconds, but not Navient. Why thats frustrating is because at this point, I have no way to verify that I have been contacting them in an attempt to rectify this matter. After reading about all the lawsuits that have been filed against Navient for taking advantage of their borrowers, the late fees they've manufactured against me seem a lot less shocking. At least I can take comfort in knowing it's nothing personal. On my last phone call with Navient, I said I would pay them everything I owe in full that day minus the fees which were accrued through no fault of my own. Navient did not accept that offer. A few weeks ago, I received a letter from Navient where they claimed that I opted to receive my monthly statement via email. I assure you that that is not true. At no point did I ever opt for a different payment method. I would appreciated it if you could look into this matter and possibly help me reach some sort of agreement. Im pretty much at my wits end with this company. Any help you would be able to provide would be greatly appreciated. Thank you | ||||||
| 01/26/2018 | Yes |
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| Consumer Complaint, Credit Report Complainant : XXXX XXXX, Consumer Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone No : ( XXXX ) XXXX Agency : XXXX and XXXX Report Date : XX/XX/XXXXCollector : Navient Address : XXXX XXXX XXXX XXXX, IN XXXX Phone No. ( XXXX ) XXXX Creditor : XXXX XXXX, Dept. of Education Account Nos. : XXXX and XXXX This complaint is about the account above and the reporting of the collector, Navient Solutions. I am XXXX XXXX, the debtor and Complainant in this complaint. Despite the regulations Navient is obligated to abide by and my own conversations with Navient regarding their reporting, all attempts to rectify the situation have been unsuccessful. This has made it necessary for me to file this complaint. The basis of my complaint is simple. I have submitted an Application for Discharge and Forgiveness based on my XXXX to the U.S. Department of Education, the creditor, along with XXXX XXXX, on this account. According to the rules stated by the Department of Education, third parties are to discontinue all collection efforts while the application is being considered. This includes negative reporting on all credit reports. Despite this Navient Solutions continues to report this as a seriously past due collection account on all three reporting agencies. During my last conversation with Navient their representative led me believe that the derogatory reporting had ended. The conversation was odd in that the agent began to argue with me then told me that the accounts were being reported as current. Based on the response I received when I asked for confirmation of this, I believe the Navient representative was being intentionally vague and deceitful. A review of my credit report shows that XXXX XXXX, the owner of my account, is reporting these accounts as Paid as Agreed with no negative comments. The XXXX XXXX account numbers are Identical to the Navient Solutions account numbers. XXXX XXXX is reporting these under open accounts, not as derogatory accounts, as Navient is reporting. I have done a bit of research on Navient Solutions and it appears that they have a history of bad faith dealings with their account holders. I appreciate any help I can get with this problem. I am attaching to this complaint the pertinent documentation, which includes XX/XX/XXXX reports from XXXX and XXXX and my Application for Discharge and Forgiveness, my own cover letter to the application and the Email confirming the Dept. of Educations receipt of the application including the date submitted. | ||||||
| 01/17/2023 | Yes |
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Web | Servicemember |
| I had 2 Private Student Loans with Navient and I was forced to get a co-signer, my step-son, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The loans originally were with Sallie Mae. They forced me into Forbearance and loans kept incrementing. XXXX XXXX XXXX XXXX XXXX In XXXX - XXXX I was diagnosed with a serious health condition and wages were reduced due to so many not covered surgeries. In XX/XX/XXXX I was forced into XXXX XXXX Year after year I would try to get the co-signer released prior to my surgeries. After XXXX XXXX I also tried to get my step son off of the loan because he was in the process of purchasing a home and the loans were preventing him from purchasing a home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to file for divorce from my spouse of 20 years and had to refinance my home and add XXXX of the funds of the house to pay off the loans so that my step-sonXXXX a XXXX, would be removed from the loan and the accounts would show he had XXXX on his credit reports a requirement to get 1approved for his XXXXXXXX XXXX Loan to purchase a property. I made numerous complaints to the XXXX Navient, the Atty General of my state and to CFPB. Nothing was done. I was duped by Navient. According to Navient they release the Co-Signer for on time payments of over 12 months & the following. 1 ) Proof of successful graduation, 2 ) Proof of Citizenship and 3 ) Proof of Income. Of course they refused time and time again to release my XXXX XXXX XXXX, from the loans negatively affecting his creditworthiness. Furthermore, they forced me to pay the PRIVATE LOANS which were listed in XXXX XXXX. Per your website, the Bankruptcy Code provides and that loan owners, lenders, servicers, and debt collectors honor that relief when a bankruptcy judge discharges a consumers debts. Navient did not honor the XXXX XXXX and I did not want to negatively affect my Stepson 's credit and had to pay off the loans with monies I could have repaired my home after XXXX XXXX XXXX. This of course caused undue hardship since Navient 's action caused me undue hardship and increased my Mortgage by XXXX. Navient has had multiple lawsuits against them for their inaction. They did not send me any refund or anything after misleading me. They should not have forced me via duress to pay off the loans knowing they constantly misled me and failed to report payments to the bureau. Something stated in several class action lawsuits. I am attaching evidence of everything I am saying and my stepson ( cosigner ) evidence he is a XXXX XXXX. | ||||||
| 07/12/2017 | Yes |
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| I started at XXXX XXXX XXXX in 2002 in XXXX VA. They made me use my parents income even though I did n't even live with them. Some how I ended up with 4 separate loans and I had no ideal what I was getting myself into back then. The loans went to XXXX first which is the company that used my social security number to obtain a loan through XXXX XXXX XXXX without my permission. They took that money and paid the government loans off and began adding interest. After several years they passed the loans onto Navient and added more money.Now Navient is telling me that I still owe the government and that As of now I owe them XXXX in accrued interest. And every payment made has to go to the interest and fees first before the principal amount that was originally borrowed. Thats so that they will still have a large loan amount to add interest to because if the loan amount were smaller that would be less interest for them to add. It is totally unfair to have to pay Navient XXXX for money that I did not borrow. I 've ask Navient for a copy of the promissory note that they claim I signed but I still have not received any proof. Also I called XXXX XXXX College for proof and they have changed names since 2002 and do n't have any information on me because they said that they did n't scan documents back then but they maybe able to find something signed in some storage place where they send old files but maybe not. It 's a complete scam from both XXXX XXXX and Navient and XXXX. They are trying to collect money that is n't owed. I dont know what to do! I need help with this to get these loans removed and to file a law suit if possible. And as far as XXXX taking a loan out with XXXX XXXX XXXX with my Social Security Number is complete fraud. They said it was an electronic signature. I bet it was because It was n't me. If it takes giving this degree back to XXXX XXXX College thats fine with me. It 's useless anyway since they 've changed names twice and ripped so many people off. I have never once use the so called degree. I just want my life back. At this point I ca n't get a car loan or a home loan do to my credit being destroyed by these schools loans. If I owe XXXX in accrued interest that is the same amount of my fourth loan with Navient so Technically I should n't have a fourth loan. I 've paid what I owed over these 15 years a long time ago. Please help me prove that Navient XXXX and XXXX XXXX College have committed fraud against me and probably many others. Thank you for any help that you can provide and God Bless. | ||||||
| 03/31/2022 | Yes |
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| In XXXX I inquired at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I was lead to believe that I would be making potentially 6 figures in 2 years or less if I went to their school. I signed up for both in person and online classes. The school not only maxed out my borrowing for loans but forced me into private loans to buy equipment and supplies that were not included in the tuition. They are a for profit school. I was a single unemployed new mom and they preyed on that. Although I struggled I was on the deans list and keeping my grades up. I received a phone call from the school after {XXXX} in private loans were forced on me to take out to pay additional expenses and the school maxing out student loans I was told, the program was only eligible to receive loans for 2.5 years and I will need to pay cash for my upcoming semester in the amount of {XXXX} +. I have been put into bankruptcy and left potentially homeless with no way of ever being able to dig myself out of the financial burden the XXXX XXXX XXXX XXXX in XXXX Indiana imposed on my life and future. They promised job placement and they lied about graduation and success rates, they misrepresented fees and costs, filled out loan paperwork on my behalf. I attempted several times to get some kind of forgiveness for all of loans and continuously denied by the loan servicer, which was XXXX XXXX and navient. I have been gainfully employed with a government position for 8 years, still because of student loans not able to afford daily costs of living with loan services wanting unaffordable payments a month that excess far beyond what my salary allows me to afford. Student loans are not my only debt or bill. I am a single mother of XXXX XXXX XXXX XXXX and live with my parents. If the XXXX XXXX XXXX XXXX had not misled and blatantly lied, I would not be in this situation which has inevitably ruined my life and future and potential of giving my daughter a future and stability. After being employed in public service for 8 years my payments for pslf have been recalculated with a pay off year of XXXX. How is that possible when Ive made payments since XXXX and pslf is forgiveness in 10 years and Ive already been employed for 8? The private loans still being serviced by navient are apparently unforgivable under any circumstances or misleading by the so called college that demanded {XXXX} cash after lying to me for 2.5 years and. I can not make or afford payments of $ XXXX a month and feed myself and my child, put gas in my car to get to work or pay other bills. | ||||||
| 06/12/2019 | Yes |
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| This involves Sallie Mae and Navient. I believe I qualify for the lawsuit. I was charge a large amount of interest. Here are some of the statements from Navient. XX/XX/XXXX Disbursement {$32000.00} Interest {$0.00} Fees {$0.00} {$32000.00} XX/XX/XXXX - Not informed of Payment Prinicpal {$0.00} Interest - {$220.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$16.00} Interest - {$200.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$54.00} Interest - {$160.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal- {$92.00} Interest - {$120.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$270.00} Interest- {$160.00} Fees {$0.00} Total - {$440.00} XX/XX/XXXX Payment Principal {$0.00} Interest - {$220.00} Fees {$0.00} Total- {$220.00} XX/XX/XXXX Payment Principal {$42.00} Interest - {$170.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal- {$61.00} Interest - {$150.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$260.00} Interest - {$170.00} Fees {$0.00} Total - {$440.00} XX/XX/XXXX Payment Principal {$0.00} Interest - {$220.00} Fees {$0.00} Total- {$220.00} XX/XX/XXXX Payment Principal - {$65.00} Interest - {$150.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$63.00} Interest - {$150.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Prinicpal- {$86.00} Interets - {$130.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Prinicpal- {$81.00} Interest - {$130.00} Total {$0.00} Fees - {$220.00} XX/XX/XXXX Payment Principal- {$100.00} Interest- {$110.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Payment - {$87.00} Interest - {$130.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$180.00} Interest - {$250.00} Fees {$0.00} total - {$440.00} XX/XX/XXXX Payment Principal {$0.00} Interest - {$220.00} Fees {$0.00} Total- {$220.00} XX/XX/XXXX Payment Principal - {$230.00} Interest - {$200.00} Fees {$0.00} Total - {$440.00} XX/XX/XXXX Capitalized Interest {$270.00} - {$270.00} {$0.00} {$0.00} XX/XX/XXXX Payment Total- {$300.00} Interest {$0.00} Fees {$0.00} Total - {$300.00} I have additional paper statements from Sallie Mae as well. I called the company many times about this and about being unable to afford this amount. I was told that I would have to go into forbearance or default. It was only in XXXX that I heard, from a co-worker, about income-base repayment plan. The total amount that is now owed is more than the original balance. XXXX XXXX XXXX : {$34000.00} | ||||||
| 09/12/2017 | Yes |
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| XXXX NAVIENT Complaint To whom it may concern, NAVIENT Called me today. It seems that my conversation with them last Friday, XXXX XXXX, XXXX was not documented XXXX XXXX, I made my first-ever payment to the NAVIENT department online, I also set up a direct deposit account as well. This would ensure my payment would be met, on time, each month. Friday, XXXX XXXX, XXXX, at XXXX, I answered my phone to a woman representing the NAVIENT department. The woman was calling to inform me that I had missed both XXXX and XXXX payments and that I was delinquent. I told her I would be able to pay the full amount on XXXX XXXX, in full. We agreed this would be best. She than directed my phone call to an automated message stating the terms and conditions of forbearance on my student loans. After the recording finished, the womens voice returned and she asked me if I agree to the terms and conditions stated in the automated voice message, I said No Way. We both agreed that it would be best to not forbear my loans and that I can pay the full amount in XXXX. Today, Tuesday, XXXX XXXX, XXXX, at XXXX, I answered my phone to a different woman representing the NAVIENT department. The woman was calling to inform me that I had missed both XXXX and XXXX payments and that I was delinquent. I told her I would be able to pay the full amount on XXXX XXXX, and I also talked with another representative of NAVIENT last week. She then told me that her college must not have taken these notes and that therefore she is calling today. We both agreed that it would be best to not for bare my loans and that I can pay the full amount in XXXX, only this time, I told her I do not, in any way, agree to for bare my loans, She stated, If you do not forbear your loan it will look much worse than if you were to just for bare them until you can pay the full amount!. Again, I told her No and No again! She kept trying to get me to agree to the stupid forbearance. Finally, she ended the conversation with, Fine if youre not willing to forebear your loan than we will continue to call you every day until you pay in full, I said, Fine, and we were disconnected. I set up AUTO Pay in XXXX, after checking my account today, while on the phone with her, I was presented with a screen stating, my loans were not eligible for Auto Pay. As I write this, I am watching my account, and it has been pushed from In Grace to Past Due. This is not okay, I should not be past due, I should not be bullied into placing my loans in forbearance! Respectfully, xxxx | ||||||
| 05/18/2017 | Yes |
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| Middle o f XX/XX/XXXX : re quested statements to show how payment are being applied and balance information. Was told " I do not have a payment due, no invoice will be sent ''. I could not register an online account to get what i needed. XX/XX/XXXX : I ( father co-signer ) asked XXXX XXXX ( daughter ) " I need you to verify that the 2nd payment to Navient is being applied to the principal, if not make it from here on out. " XXXX , make sure th e 2nd payment is applied to the principle not the interest. Go on online and ... better still do a screen shot and send me the the last 5 months '' Dad, I 'll probably have to call them tomorrow. Its not recognizing my info to let me register. XX/XX/XXXX : Dad, I got a headache talking to those people a t Navient..Majority of your payments go towards the principle. They said for your {$150.00} payment, {$120.00} went towards the principal Dad, I 'm still having problems logging in online, but I 'll send you the screenshots once I get in. Frustrated we gave up on further communication its too stressful. I attempted to open account a year or so once I saw it on credit report. To no avail I have called numerous times requesting an monthly invoice on balances, interest, how much of the monthly payments went toward principle and interest. Making 2 p ayments a month of {$150.00} the obligate is {$130.00} a month {$180.00} was request to be applied to principle, according to end of year statement. Refinance home to payoff loan - called on XX/XX/XXXX requested payoff balance and interest, principle payment of all past payments. Then it was {$15000.00}. Was told it tak e 10 to 20 days for the statement to be mailed. Received on XX/XX/XXXX a list of payments and dates, no balance as of dates, no balances at all. Called on XX/XX/XXXX to ask for payoff balance and payments interest principle for every month I have been making payments. I was also told the 1st payment of {$150.00}, {$50.00} is interest and the 2nd payment that month of another {$150.00} {$25.00} is interest. As of this complaint have not received anything else. They are make extremely difficult to make payments, to get accurate information on accounts, ignoring complaints, giving inaccurate information, incorrectly processing payme nts. Navient 's c ustomer support are extremely rude and hostile. Like debt collection agencies! XXXX XXXX Co-signer Account # XXXX ( on recent correspondence ) Loan # XXXX Account # XXXX ( on XXXX XXXX ) | ||||||
| 03/21/2018 | Yes |
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| Hi, After trying to cancel automatic payments with Navient and reading the high ratio of complaints about this company, it needed to be sent to your office. I'm sure this company has been reported in the past. My payments to Navient have been set up for automatic payments since XX/XX/2012. The amount is around {$240.00} on the XXXX each month. On the Morning of XX/XX/XXXX I went on my Navient account online to cancel the auto pay for that month. They make it difficult since the option doesn't exist online. All utilities and monthly payments I have set up with othercompanies make it very easy to cancel if needed. Navient doesn't allow this. Given the extra payments in the past, this means my balance due each month is {$0.00}. Yet I continue to automatically pay each month to pay it off. On the XXXX I called their office and to my surprise was put on hold after this simple request. This is where the unethical part takes place. I clearly stated my intention to stop auto pay and I would establish it next month. They tried to sell me a deference. They were selling the ability to delay months and months of payments. It's clear the intentions were for the additional interest and fees it would bring in. With a balance due of {$0.00} and 6 years of on time payments, why else would they make months of no payment sound good? I reiterated to cancel the auto pay. After some time he confirmed. I received an email and document stating this. On XX/XX/XXXX I received an email thanking me for my payment. I had my bank deny it. Called Navient and they said I stopped the payment on Friday and reinstated it on Saturday. Being in IT Support and IT Admin the last 9 years, I'm not one to accidentally log in and accidentally establish the payments. On XX/XX/XXXX, Navient took out that monthly payment successfully. Between the unnecessary promotion of deferring loans, re-establishing auto pay without permission, and continuing to attempt to take money on a {$0.00} balance, this is a company that should be looked at. Thankfully I'm in a position to not let this effect my month. But if the request to stall payments came up it is not easy at all even after getting email and verbal confirmation. For some, that theft of money could set them back in various ways. Attached you'll see a confirmation of the cancellation on XXXX. You'll also see it get re enrolled on the same day. I didn't do that enrollment. The following week on the XXXX, I did. My goal was to skip one month since the balance was {$0.00}. Thank You, XXXX XXXX | ||||||
| 04/12/2017 | Yes |
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| I have encountered a number of problems while Navient has serviced my loans : ( 1 ) When making lump sum payments, Navient would ignore notes included in the request to apply the amount to my specific loan number with the highest interest rate. This happened on XXXX occasions. I called and they told me it would that them at least 2 to 4 weeks before they could reapply the balance to the correct loan. After waiting this period of time, the issue was still not resolved, and I had to make multiple phones calls over the months before the issue was finally corrected. ( 2 ) Navient would not allow me to enroll in auto-pay at the end of my forbearance until after the first payment was made on each individual loan. It took them almost a month to confirm that I was finally enrolled in auto-pay and lower my interest rate accordingly. ( 3 ) On the older version of Navient 's website, there was no option to specify which loan your payments went to. In order to do this, you had to call their customer service phone number and wait on hold for an unreasonable amount of time. ( 4 ) Navient 's current website does not allow you the see the balances and/or interest rates when filling in the amounts for each loan you want to pay. It simply refers to them as loan-XXXX -- which makes it much harder to identify which loan should be paid first ( i.e. those with higher interest rates/balances ). ( 5 ) On both the old and new websites, it 's impossible to tell which payment plan ( i.e. standard, graduated, etc. ) you 're currently enrolled in after you select it the very first time. ( 6 ) In order to obtain general information about the payment plans available, Navient 's new site redirects you to their old site, which eventually redirects you to the federal website. Navient does not offer any information on the options available, which means you can not see this in relation to the specifics of your personal loans. ( 7 ) The customer service hours are unreasonable. They are Monday through Friday only from XXXX to XXXX. This makes it very difficult for borrowers who are in school or working during office hours to contact them, especially given the long wait times to actually speak with a customer service representative. ( 8 ) The Navient website does not advertise the Public Service Loan Forgiveness Program. I selected the graduated re-payment plan thinking I was doing the responsible thing, only to find out two years later that I am eligible for the PSLF program, but none of those previous payments I made qualify. | ||||||
| 10/15/2020 | Yes |
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| I have been sending documents to Navient on behalf of my loan discharge. I was told that I qualify for a loan discharge for ( ability to benefit and disqualifying status ) from a customer service representative from Navient after explaining that I have not been able to find employment due to having a criminal background. When I first submitted my application back in XXXX of XXXX, it was denied due to not having the State of CT statues that states the type of employment that you are not able to have due to having a criminal record. I re-submitted these documents days later with the statues attached. I was contacted by Navient and told that my application for discharge was denied due to not having the documents showing my criminal record before my loans were XXXX. I then submitted these documents to Navient in XXXX of XXXX. In XXXX of XXXX, I was told that my loan discharge was denied because I needed proof that the school was made aware that I had a criminal background before my loans were XXXX. I submitted a letter from the Associate Dean of the University of XXXX, that was written on my behalf for a pardon that I was applying for. I was again, denied because it did not state that the school was made aware that I had a criminal background before starting the program. I contacted the University of XXXX and received a letter in writing from the Associate Dean, stating that in XXXX of XXXX I notified the school of having a criminal background before starting in XXXX of XXXX. I uploaded this required letter to Navient in XXXX of XXXX. I was contacted by a supervisor and was told that the discharge was again denied and that I would need letters from jobs that I applied for, showing that I have been turned down for employment because of my criminal background. I contacted over XXXX human resource offices for past jobs since the completion of my degree and was told that, " I would not be able to obtain this information, because it is only kept in the system for 30 days. '' I have not found a job and was told by the University of XXXX that they assist with job employment resources to help find employment upon completion of the degree program. I have not been able to find employment due to having a criminal background, I obtained a XXXX XXXX in XXXX. I have a debt that I am not able to pay because I can not obtain employment due to having a criminal record. My discharge has been denied 8 times by Navient, I promptly submit the documents that have been requested and Navient continues to deny my discharge. | ||||||
| 02/01/2020 | Yes |
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| Navient has begun ignoring the payment instructions I sent them again. The instructions were dated XX/XX/XXXX and were received by them on XX/XX/XXXX. This is the SAME PROBLEM I reported in my previous CFPB complaint XXXX about Navient in XX/XX/XXXX, where they told me and the CFPB that they WOULD follow my instructions. Please see the feedback I submitted to that previous complaint as well, as they are also relevant. As only one recent example, my payment of {$210.00} received by Navient on XX/XX/XXXX applied {$19.00} to Loan XXXX, {$100.00} to Loan XXXX and {$91.00} to Loan XXXX. The amount due on these loans were : {$19.00} for Loan XXXX, {$20.00} for Loan XXXX and {$18.00} for Loan XXXX ( total : {$58.00} ). According to my payment instructions, Navient should have applied my payment as follows : {$19.00} to Loan XXXX, {$20.00} to Loan XXXX and {$170.00} to Loan XXXX. All of the {$150.00} extra principal from my payment should have been applied to Loan XXXX, the loan with the HIGHEST interest rate and LOWEST balance. I have attached Navient 's loan information sheet that shows their miss-application of funds ( {$100.00} to Loan XXXX and {$91.00} to Loan XXXX ) for this example. I've included the relevant payment instructions below that were also included in my previous CFPB complaint against Navient. -- -- -- I am writing to provide you with updated instructions on how to apply payments when I send an amount greater than the minimum amount due each month. Please apply my payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the principal balance of the loan that is accruing interest at the highest interest rate. 2. If there are multiple loans with the same highest interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 3. If any additional amount paid above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the principal balance of the loan with the next highest interest rate and lowest outstanding balance. 4. Do not put any loans into paid ahead status or advance my payment due date. Retain these instructions. Please apply these instructions to all future overpayments. -- -- -- If I have to submit any further complaints about Navient, I plan to ask for monetary compensation for the time it takes to submit all past and future complaints ( about 2 hours each ). This is a ridiculous waste of my time. | ||||||
| 01/23/2017 | Yes |
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| I am contacting the CFPB with a shared concern/complaint against loan servicer- Navient . My student loans were transferred from XXXX XXXX to Navient. I did not have a choice or option to do so. XXXX XXXX made the choice stating that Navient was taking over because XXXX XXXX had too many loans to handle. I have been paying off my student loans to Navient ever since. I just about 'fainted ' this past week when I read the CFPB filed a lawsuit regarding Student Loan Repayments against Navient. Every news article I read as well as what I read online was an exact match to the horrific experience and relations I have had with Navient. I have cried, screamed and complained to different customer service people as well as spoken to numerous managers about HOW HIGH MY PAYMENTS WERE. I tried over and over and over to get my payments reduced according to my income. I was lied to over and over about what I did not qualify for in repayment for my student loan. I made so many phone calls to Navient stating that my sister who had gone to grad school was paying on her student loan ( s ) and I was forced to make monthly repayments that were twice as much as she repaid. It was so baffling to me because my income was so much less than my sister yet I was paying so much more. I have just me and my income to pay my student loan. I was shaken and dumbfounded, completely at a loss for words at what Navient was doing to me. I continued to ask about lowering my monthly payments, about the RePaye program set in-place, and options I had. But no, there were not any options and I had to continue to pay at the rate that I was told to. I knew they were lying to me. I asked so many times for a plan that reduced my monthly rate on my student loan, esp, when I had begun to ask my employer for an advance on my paycheck. So yes, I have received bad information, struggled, been lied to, and been made to feel very helpless in the repayment of my student loan after XXXX XXXX transferred my loans to Navient. I agree with the lawsuit and others who have filed a lawsuit against Navient. Navient lied to and defrauded persons who have had to pay back student loans to them. I have been very angry with how I 've been treated by Navient and customer service persons who purposely did not allow me plans or payments that were income sensitive to me. When I changed to a different paperless online payment due to a conflicting bank issue I had problems with Navient processing the new set up and not wanting to deal with fee issues that came with it. | ||||||
| 12/22/2022 | Yes |
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| XXXX, XXXX, a dispute was submitted to XXXX. It was noted by me in XXXX that principal amounts of the students loans are incorrect. During the course of these loans, the service providers have changed several times and the principal amounts changed as well. Instead of bringing the balance to XXXX when transferring the loans from one servicer to the next, it stayed. The time period that is being disputed is XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX says that The Department of Education and the XXXX XXXX submitted to XXXX XXXX XXXX {$26000.00} on XXXX XXXX and on XXXX XXXX, submission of {$15000.00}. Keep in mind a XXXX XXXX was provided to me during these time periods and the tuition was less than {$10000.00} for the whole year. A dispute was made with XXXX and they indicate that these amounts are accurate and the principal balance is correct as indicated. The principal amount grew each time there was a new servicing agency. Example, The Department of Education transferred {$5500.00} to XXXX. Once transferred the balance for the Department of Education should have been XXXX, while XXXX would show {$5500.00}. Instead it shows that the principal amount is {$11000.00} instead of {$5500.00}. Then when it transferred from XXXX to the next servicing agency, instead of showing the {$5500.00}, its now showing as {$16000.00} during the semester of XX/XX/XXXX. The same action happened for XX/XX/XXXX. This is ludicrous, the tuition was paid with a XXXX XXXX and part of the student loans. These amounts that are showing as accurate in the credit Bureaus are incorrect. As an XXXX, theres no way these amounts were given to me while at XXXXXXXX XXXX XXXX It is the changing of the student loan servicing agencies that has driven up the principal of the loans. Each service provider is showing the same loan, XXXX is combining the amounts as accurate and they are not. XXXX is the new service provider and the principal is now over {$57000.00}. Theres no way the principal grew like this. The last semester that school was attended by me was the fall of XXXX. Unfortunately, for me, repayments of the loan was steady for 14 months during the time period of XXXX, I fell on hard times and was not able to continue making {$300.00} plus each month. Started raising my granddaughters. Its the servicing agencies not reflecting a XXXX balance after transferring the loans to a new agency. XXXX now, working part time and still taking care of my granddaughters. This incorrect amount is a heavy burden on me, different if it was accurate. | ||||||
| 12/02/2019 | Yes |
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| I have been paying off each of my loans for Navient early. I get to my second to last loan to pay off and my remaining balance was in the $ 800s with an 6.8 % interest XX/XX/XXXX. Out of no where at XXXX on Saturday XX/XX/XXXX I received an email stating, Congratulations your deferment is approved. Confused, I called them later that day to find out how and the office was closed til Monday so I called on Monday XX/XX/XXXX. I was told my loan was now in Deferment because I was in school in XXXX. I said, but I was only in school for two months and then I graduated, how can a loan go into deferment 4 years later. The rep said she didnt know so I said well I dont need it, if you look back over this year I have been paying off my loans so take it off because it says my loans interest will capitalize. She said okay. Two days later XX/XX/XXXX XXXX I get an email stating the terms of my loan have changed and my new balance is now a little over {$1000.00}. I called them for an explanation. I was told two different things. One I was told I didnt pay interest on my loans and when I refuted and told them I have my 1098 and statements to prove otherwise they came back with a second reason. They then said XXXX now XXXX was suppose to put my loans on deferment and didnt so when they bought it they thought it was on deferment but their records showed other wise so they put it on now and when I requested to remove the deferment it charged them to renegotiate my loan terms ( without warning or explanation by them by the way ). I was confused and asked to speak with a supervisor and they tried to give me the first reason again and I explained to them it didnt make sense so then I asked to speak to her supervisor because the lady said it looks weird to her too. The Operations Supervisor told me that it wasnt suppose to increase that much and all she could do is research it. So I asked her to escalate, she put me on hold and then came back and said something did go wrong and she would fix it. Well, it havent been fixed and the plan is to pay this off this week but I cant because its {$200.00} more and if I pay the amount it was then Ill still have a {$200.00} balance. Navient deferred my loan unexpectedly without reason to get more money out of me since I paid the other loans off early. The amounts are similar to what they were suppose to make with the others if I would have paid them according to schedule, but instead I paid early. They keep giving me different reasons for the increase in balance and monthly owed. | ||||||
| 11/02/2018 | Yes |
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| I currently have private student loans through Navient. Recently, my school deferment was up and I had to start making monthly payments. The account statements according to Navient quoted me at about {$600.00} per month. I am XXXX years old & recently graduated in XXXX of 2017. I just started my career so I'm only making about $ XXXX {$20000.00} a year. When I spoke to Navient the first time in XXXX ( before my payments were due ) I wanted to talk about repayment options. They told me I do not qualify for any type of repayment plan nor could they offer me deferment due to financial hardship. I assume this is because I have a co-signer. I spent numerous weeks calling Navient to work something out : Week 1 - called and spoke to someone who claimed they could get my payments down to {$200.00} per month. Unfortunately we got disconnected. When I called back I was directed to a different agent who told me they couldn't go any lower than {$400.00}. I told them I would talk to my co-signer and call back. Week 2 - Called Navient again, spoke to yet another agent. This time I was told that due to my co-signers income I don't qualify to lower my payments AT ALL and would have to pay {$600.00}. They were unsure why someone offered me {$400.00} and said that wasn't possible. I tried to explain my co-signer is not assisting me with the payments and that she can't afford that amount either. I was dismissed and not offered any options. Week 3 - Called once again and spoke to someone different. They resumed to tell me that they couldn't offer me any options. I was not surprised, just frustrated. My co-signer also called and tried to explain her financial situation ( recent death in the family, out of work for almost a year, recently started a new job ) but they told her that there were no options and we had to pay the full amount. Finally, my last phone call this week consisted of me asking for suggestions on what to do. Navient suggested I refinance my loans somewhere else ( which I was never informed couldn't be done during a forbearance ) or proceed with a forbearance request. I decided on the forbearance thinking I could refinance during that time. However, that is not that case. I am now struggling because I can't refinance my loans without 3 consecutive monthly payments. However, I can not afford the monthly payments through Navient. I am at a loss. My only option is to unfortunately use up all my forbearance time. I do not understand how this company can't offer myself, or my co-signer, any options. | ||||||
| 06/16/2017 | Yes |
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| I graduated XXXX XXXX in XX/XX/XXXX, before the public service loan forgiveness program existed. When the program was created, I contacted XXXX XXXX by phone and asked about whether I would qualify for the loan forgiveness program. I was told yes. A few years later, when I was having a hard time making payments on a public service salary I again contacted them to try and problem solve my situation and was again told I would qualify for public service loan forgiveness. Neither time was I told I needed to refinance through the XXXX XXXX XXXX XXXX in order to qualify for public service loan forgiveness. In late XX/XX/XXXX I found out through a company that charges to assist with consolidation that I would need to refinance in order to qualify for public service student loan forgiveness. I confirmed through my own internet research that was true, and consolidated with the XXXX XXXX XXXX in late XX/XX/XXXX. After I consolidated I learned that none of my per-consolidation public service could count towards my forgiveness timeline. I have had the same public service job since XX/XX/XXXX. Because I could not afford to make my loan payments and cover a XXXX co-pay, car repairs, or my divorce, I had to put loans in forbearance during the time XXXX XXXX was my loan servicer. My loan debt has gone up {$30000.00} in the time I have been paying on it because at this time my income based repayment does n't even cover the monthly interest amount. If I had received the correct information about the qualifying requirements for the public service loan forgiveness program I would have refinanced back inXX/XX/XXXX. I could have several more years towards my public service forgiveness. The frustration I have felt through this process can not be expressed in words, or if it can, it is beyond my ability. I have had to use credit cards and loans to cover financial gaps because my loan debt is such a burden, and then to discover that I can not get credit even for the years of public service I have already worked was horrible news. I took the steps I believed I needed to in order to verify my qualifications for the public service loan forgiveness program, and was assured I qualified. Then I found out I did not, and there was nothing to do but refinance and start my service clock from that date. If there is anyway I can provide information for the lawsuit, please let me know. As to the dates and times of my phone calls with XXXX XXXX staff, that would have to be subpoeaned because it was so long ago I do not have records. | ||||||
| 01/23/2022 | Yes |
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| Hi, I understand Navient was recently sued. All the loans I had were part of the stated lawsuit. Coincidentally, I paid off my loans the same time the court filings came to a decision. I would like to know the below. 1 ) Will I get reimbursed all the outstanding interest they charged me for, though I had made all the required payments on-time. This misallocation had repeatedly caused the outstanding interest for all my loans of which I've inquired about multiple times when I first started to pay for my loans. 2 ) Originally when my loans were transferred from XXXX to Navient, they were all lumped together. I was told by Navient, if I took charge of my loans and separately paid them, I could prioritize to pay off the higher interest loans first, which would help pay off the loans faster. However, because of the change, they told me I had to partially stop and re-setup payment which cancelled out my Interest Rate Reduction discount that was a benefit given for making continuous on-time payments for a few of my loans that was affected. The discount was never reissued back to my loans, when I haven't stopped paying my loans. Navient 's process forced me to stop paying my loans and lost the discount benefit when this could've been resolved by an internal calculation correct on their end. I would like to know if i will be refunded what the discount would have covered. I've continuously made non-stop payments, which was supposed to requalify me for the discount that i never saw and I have inquired about this before through CFPB, whom did not follow-up on my previous inquiry from the feedback section. 3 ) My loans had a benefit that noted the lender was supposed to take care the last 6 payments of my loans, which I felt the terms and conditions had changed. This benefit never kicked in. Navient doesn't review their loans thoroughly. I ended up paying off the loans myself. Overall, I feel that Navient is not managing their loans well enough. More importantly, I wished the loans were never transferred to Navient because I feel that Navient tried to find ways to eliminate benefits that were originally part of the loan terms to begin with. Unlike XXXX and any other bank or loan lender, the company didn't send any annual statements at the end of the year explaining the payments that had occurred. Hence the lack of documentation gave Navient every opportunity there was for borrowers to not see the changes they were making. Please help investigate and follow-up with the above bullet points. Thank you. | ||||||
| 03/15/2017 | Yes |
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| I currently have {$130000.00} of student loan debt with Navient. I have been working with the company since graduating in XXXX when they were still XXXX. I have had numerous interactions with Navient in regards to my debt. XX/XX/XXXX : I started my graduate program and the I called the company to discuss options during my 2 year degree. I was lead to believe deferring the loans would be in my best interest not realizing or it being explained that accrued interest would continue to compile during this time. At that point my loans were just under {$100000.00}. XX/XX/XXXX : Soon after graduating in XX/XX/XXXX my new loan amount was just shy of {$140000.00}. I lost my job in XX/XX/XXXX and called Navient to help with alternative options for repayment during this process. I told them I did not want to go into foreberance and would still like to keep paying the loan as to not accrue interest as what happened during my graduate program. They instead told me my only option would be an interst only payment plan, which honestly did not lower the payment by so much but unsure how long I would be unemployed I went with the option. XX/XX/XXXX : I called Navient to remove me from the interst only payment plan. This was obviously not followed because XXXX I am still enrolled in interest only payments. I called Navient a total of 4 times about this issue. XX/XX/XXXX : I called Navient in regards to the Interest Rate Reduction program. After running my credit and getting my monthly expense and income they said I do not qualify because I can afford the payments. To pay over 10 % in interest with a good credit score just because you can pay it is ridiculous i explained to Navient. They said you can only qualify if you are in hardship. Yet this was not offered to me after losing my job back in XX/XX/XXXX. And now that i have above par credit with a good job they feel entitled to charge outrageous rates because they feel I can afford it. Navient is sorely about money and not about getting the consumer a fair deal and fighting chance to pay back their loans. Understood there should be compensation to the lender for giving me the opportunity to get an education, however ; the extent Navient goes to drain every dollar conceivable out of the consumer is unfair and should not be when all the consumer wants is an education. I understand CFPB is currently suing Navient for unfair practices and I hope that the successful win for the CFPB will lead to some compensation for the consumer for these unfair practices. | ||||||
| 09/08/2021 | Yes |
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| Started at XXXX XXXX in XX/XX/XXXX. This school has now been declared fraudulent. They signed me up in financial aid for a couple government loans but then said that those ran out and told me they have a new government funding. I was under the impression it was Sallie Mae. They said because it was different requirements that I would have to have co signer. I asked my dad, he signed thinking it was a federal loan as well. They had me sign these 5 times over my time at XXXX. There was them 5 loans. When I graduated ( XX/XX/XXXX ) and began getting my bills I realized they were private loans. Originally they told me I owed {$65000.00}. Then it went to {$55000.00}. I kept putting them in forbearance at Sallie Maes request because I could not afford the $ XXXX/mth payments. This went on for a couple years. In that time they changed to Navient, they appeared to be working with us. They were receiving payments for $ XXXX/mth for interest only payments. Overall balanced still went up as well. When that agreement ended they wanted {$1000.00} a month. Again, we could not afford that so they threatened us with lawsuits, liens on my parents house, garnished wages. They called my company, family members I have no contact with. Twice over the next 3 years they agreed if we could give them lump some they would discharge the loan. First time was for {$4000.00}. My father paid. They said we misunderstood the agreement, continued to report us to credit agency, call company/family members. The last time was in XXXX of XXXX. They said if we paid {$7000.00} the account would be settled. This was after threats of liens, garnishments. By this time we contacted the attorney general of our state Massachusetts ( XXXX XXXX ). They advised us to get this agreement and writing and said because this was a private loan they were limited, but received many similar complaints. Advised us to join class action suits. We took out a loan of {$7000.00} from our XXXX that we are still making payments on. After they received that, we didnt really hear anything. They continued to negatively report us to credit bureau and even sold the debt to multiple debt collectors. We are still being threatened by those companies. We tell them about agreement and they said they have valid claim to debt. This has destroyed our credit, which made it hard to get anything including mortgages/ car loans. When we did received any credit it was at a ridiculous interest rate. These loans ruined our plans at life as far as building a life for my family. | ||||||
| 02/27/2019 | Yes |
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Web | Older American, Servicemember |
| At XXXX MST on Saturday, XX/XX/19, a person identifying themselves as XXXX XXXX left a message on my home phone stating that she was calling regarding a time sensitive personal business matter and asking to be called back during ordinary business hours at XXXX, ext XXXX. No other information was given. My phone recorded the call as having come from NAVIENT and the calling number as XXXX. I still have the recorded message. I tried unsuccessfully to call back that afternoon. The recorded message was that I had reached something known as XXXX XXXX XXXX, but that the business was closed. When I called back several times on the next business day, Monday, XX/XX/19, the person answering the phone on each occasion also identified the business as XXXX XXXX XXXX. I have never had any dealings, business or otherwise, with either NAVIENT or XXXX. When I finally reached Ms. XXXX she asked for the last 4 digits of my Social Security Number. I refused to give that information to her without her explaining why she was calling, and why she found it necessary to call before XXXX in the morning. She stated that her company was contacting me in connection with some contract they had with some taxing entity of the State of New Jersey. I told her I had never lived in or had any business with New Jersey. As for the time of her call to my home phone which has a XXXX area code ( peculiar to a small portion of Colorado in the XXXX area ) she dismissed that with well, it could be a cell phone number so we wouldnt know where it was at the time we called!! I guess its OK with her to call any number at any time, regardless of the law. As it happens, my home phone which she called is a land line. She also claimed, falsely, to have sent me a letter, and to have spoken previously with my wife. Ms. XXXX finally gave me the full name of the person she was trying to contact, and I think I was able to convince her that I am not that person. We have similar names, which I will be happy to share, if necessary. According to Ms. XXXX, our conversation was recorded. Her actions constitute, at the very least, violations of the FDCPA : specifically, 15 USC 1692c ( a ) ( 1 ) calling before XXXX at the consumers location ; and 1692e ( 10 ) and ( 11 ) making false representations, and failing to give mini Miranda warnings ; and the Colorado Uniform Consumer Credit Code : specifically, CRS 5-5-109 ( 2 ) and ( 4 ) ( b ) engaging in unconscionable conduct, such as communicating at an unusual hour so as to harass the consumer | ||||||
| 09/09/2015 | Yes |
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| I have XXXX tuition answer loans originally through XXXX XXXX and now through Navient. According to phone conversations with Navient ( XXXX XX/XX/XXXX, XX/XX/XXXX ), my loans should still be in an in school deferment. However, for some reason Navient has me dropping out of school in XX/XX/XXXX. Both customer service representatives that I have spoken with have looked through my promissory note and have assured me that as long as I do not drop below half time for 180 days, my tuition answer loans should remain in deferment. The first customer service representative I spoke with put through the paperwork. Navient denied my deferment, even after I was assured that my loans should still be deferred while I am in school. When I called the XXXX representative to ask why my application was denied, the customer service representative was unsure why my application was rejected other then possibly telling me that the document that Navient has from the XXXX XXXX XXXX could be " confusing ''. This same document was used by the first customer service representative to work with me to complete the application to defer my loans. I was told by both representatives that if I had dropped below half time for a period of greater than 180 days, I would have been able to have an in school deferment for 48 months ( which just ran out ). However, as the XXXX XXXX XXXX shows, I have not been attended school less than half time for more than 180 days. When I asked the XXXX customer service representative if I would be able to speak with the department that denied my application, I was told that they wo n't speak to me because if they spoke with borrowers they would never get anything done. I understand this, however, the customer service representatives do not have any idea why this department denied the application. I would like to speak with the person who is actually making the decision regarding the deferment instead of hearing a bunch of " maybe this is the reasons ''. I am trying to be proactive regarding my loans, however it seems like Navient would rather have me give up. I have also explained to the customer service representatives that I would not be able to afford the full payment until I was done with my graduate work. I was basically told " let the loan default and then you can work with the collections department, they may have additional programs ''. The school that the loan was taking out -- & gt ; XXXX, XXXX, XXXX school that I am enrolled in for my XXXX degree -- & gt ; XXXX, XXXX, Delaware | ||||||
| 01/18/2019 | Yes |
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| Hello, I have recently received information from Navient about the terms of my last agreement with repayment. This is ONLY after they sold my debt to a collection agency. I have been requesting this information in WRITING for the last 4 years, multiple times and have submitted multiple complaints with the CFPB about this topic and never received WRITTEN proof of the program I was on. While I was on the program I logged into the Navient website and found no confirmation my interest rate was lowered to the .001 % interest rate promised, and from what I saw on the website the payments I made were less than what was owed and I was late Several thousand dollars. I also noted that though I had paid on time for over a year my debt owed had actually gone up, which seems odd for a repayment plan. I was also told at the very beginning almost 4 years ago, that this plan would PREVENT me from defaulting on my loan and I didnt find out till 3 years after that I was defaulted the entire time and the only way out was to pay the loan in full, which was impossible at the rate I was going as my payments were not lowering my amount owed even after 3 1/2 years of paying {$250.00} a month. I Can not consolidate this loan because no lender will recognize my school, and Sallie Mae/ Navient at no point ever offered me a consolation loan or an opportunity to do anything with this loan other than pay the 12 % interest rate. My original amount owed was {$34000.00} I accrued 15 % interest while in school and now owe over {$56000.00} despite paying over $ 17,000+ over the last 13 years. Sallie Mae/Navient has never given me a repayment solution that actually benefited me, everything they did just added more and more to my debt owed. Im totally financially crippled because of this and cant buy a home or car or even take out credit cards, I even have to over pay on deposits to rent an apartment even because my credit score is so negativly affected. Theyve gone as far as calling my work and my XXXX year old grandma when Im even a little late on a payment and told my grandmother that my mom was going to lose her house if I didnt pay. When they called me at work I told them not to call me there and hung up, only to have them call back SEVERAL times and even tell me they knew I was getting married soon ( never disclosed so they must have learned that from my coworker ) and that maybe I should marry a rich man instead.. this company has been a thorn in my side for over a decade and I would just like to move on with my life.. | ||||||
| 05/01/2018 | Yes |
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| XXXX til XXXX incurred debt wIth XXXX now known as Navient fro private student loans. XXXX XXXX and XXXX XXXX Tried to resolve issue today XX/XX/XXXX with Navient customer service rep in regards to private student loans. Navient rep stated to me that I owed {$150000.00} in private student loans and proceeded to give me the colleges and amount taken out. Which I wrote down for my information. He then stated that I have never made an attempt to make a payment when one of my co signers stated he did and it was taken care of. Navient rep proceeded to ask me why I never made payment and I told him why and he made a statement of we don't care and this a substantial amount you owe so all we want is our money and you need to pay {$250.00} per month. I told him I could not afford it at this time due to health issues and he basically told me he doesn't care nor does Navient, and Navient wants their money. He also made a statement of if you don't take care of this today and keep ignoring us you will have consequences and basically be put in a corner you will not like and have to abide by our rules. Remind you I called them today to try to resolve the issue. He the proceeded to tell me my cosigner will have to sign a waiver which he did not explain what it was for and also said cosigner will have to pay XXXX to resolve the issue then I can be put on a payment plan of {$250.00} per month. and that was the best he could do. He also insisted that I call my co signer. I asked him if there was any program that would assist me in paying them back and his answer was you have to make the {$250.00} payment you have no other choice. I did asked on multiple occasions during the phone call about the Navient programs with loan repayment and the rep ignored me and proceeded to threaten me. I did also ask him why I didn't see the private loans on my credit report and his answer was those are federal so it has nothing to do with us. He also lied to me, the borrower about requirements for releasing co-signers on their loans so I could take care of my loan with out explaining the details and leaving me in disarray and fear that I would be sued due to no compliance when I did ask about programs offered for lower income families. He was rude and adamant on me paying the $ XXXX/month and calling my co signer to pay the {$5800.00} before any one would help me out with my private loan. He then proceeded to threaten me again about not paying my loan and belittling me. I received no solution to the issue but threats and lies. | ||||||
| 05/08/2017 | Yes |
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Web | Servicemember |
| Spoke with agent XXXX XXXX XXXX to request forebearance. Loan agent stated that forbearance was good until XXXX XXXX XXXX . Letter added to a ccount stated a forbearance ended XXXX XXXX XXXX . I called back to have them update the letter and make it consistent with information given to me from call in XXXX . Agent refused and continued to offer me another forbearance. They would not correct their mistake on my account. Navient is c aptializing on students by not honoring the verbal agreement. This is not the first time this has been done. This has been done to my account around XXXX XXXX and a forbearance was placed on my account that I did not request in XXXX XXXX . So again they capitalized interest without my permission and when my account should have still been in forebearance. In a matter of 9 months this company has attempted to place my account in forbearance 4 times. CFPB needs to do a better job at getting students reimbursed all of these excessive fees that this company adding. Navient is not correcting their mistakes they are charging the loans of persons like myself for their mistake . Navient has made it difficult to continue the current loan repayment program. It is difficult to navigate their system and its difficult to distinguish between the different loans. All of the loans have the same number. When you are talking to an agent many times they are only servicing one set of loans, but tells you that the current transaction is covering all of yo ur loans. So the student ends up with late fees because the agent translates in writing that only a certain set of loans were covered so the student ends up with late fees. The date given over the phone of your forbearance is not consistent with what they put in the PDF file. Navient did not make it clear that the information that you received over the phone does not come to your regular email address but it goes to the inbox located on their website. Again yo u may be rece iving notifications to your regular email and you think that this is just a reminder of the conversation that you had with the agent and when you go and check the website information it is then that you find that the information given over the phone is not consistent with the documents they have online. This is intentional and helps them to continue to collect fees on students. The make the process so cumbersome and their company will profit more on fees that people are paying on these loans than the loans themselves. | ||||||
| 04/15/2015 | Yes |
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| I graduated from XXXX XXXX XXXX XXXX in XXXX, MA. My issue with Navient continues. Today I discovered that Navient XXXX charged me on my monthly payment leaving me -900.00 in my bank account and costing me {$50.00} in overdraft and cancelation fees. When I called to inquire about this I spoke with a very rude representative who offered nothing but blame and accused me of erroneously paying XXXX. What in fact happened was the automatic payment plan I am in was charging my account on the scheduled date every month. When XXXX XXXX 2015 came, no payment was taken out. When I noticed no payment had been applied to my account I went online to make a payment manually on XXXX XXXX. I did this and thought everything was taken care of. I checked back in a few days to discover that still, no payment had been applied to my account. I called Navient to get to the solve the issue and I was told that the account information I used when I paid manually was from an old account, which explains why my manual payment did n't go through. I was assured I could pay over the phone with the correct account information and it would be instantaneously applied to my account. I gave her my debit card information and the woman I was speaking with charged my account right away. However what the woman at Navient failed to mention to me was that they were still going to charge me using the automatic, reoccurring payment system. Today I woke up to find my bank account severely overdrawn. I called Navient and they refused to do anything for me other than recommend that I call my bank and put a stop payment. This cost me 30.00 on top of the 25.00 over draft fee. Navient seems to continuously keep unorganized records and has a severely scattered work flow and lack of communication with their customers. None of the departments talk to each other and they make it very difficult for me and my cosigners to set up an affordable payment system. This company needs regulations as I constantly question their operation. I ca n't have trust issues with a company whom I give over half my income to. Had I known that my reoccurring payment would go through automatically when the account information was updated, I would not have taken her up on the offer of charging me instantaneously on the phone. I feel as though I was tricked into giving them more money than I had to. I have attached a few screen shots of what my transaction history looks like in my account. Only XXXX payment was applied on XXXX XXXX, not XXXX like they are claiming. | ||||||
| 11/15/2017 | Yes |
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| I have sent 2 checks by certified mail to cover my subsidized and unsubsidized loan in the amount of {$6700.00} and {$9000.00} to cover my Career training loan. All three loans are through Navient. The checks were mailed certified mail on XX/XX/XXXX. I wrote the loan number, loan name and account number on each of the checks to make sure that the monies were allocated to the correct account. These checks should have paid off all of my student loan debt, short of a possible small amount of interest due for the time period between the date the check was mailed, and the date the check was recieved and processed by Navient. Navient applied the monies to the accounts in a manner that left we owing money still on 2 of the loans, {$1400.00} on a stafford subsidized loan, {$2300.00} dollars on a Stafford unsubsidized loan, and a {$3700.00} credit on my career training loan. This information is showing on my Navient accounts as of XX/XX/XXXX at XXXX XXXX. Navient recieved and cashed both of my checks and they have cleared the bank as of XXXX XXXX, and the 2nd check ( {$9000.00} ) cleared my bank account on XX/XX/XXXX. Conveniently, the 2 loans that are due to be paid next, are the 2 loans showing a balance owed still. I believe that this is so they can charge additional interest, even though they are paid in full. I have many complaints about the handling of my loan, they have gladly offered forberance to me several times a few years back without disclosing the negative effect it would have on my loans and how it would end up costing so much more in the long run. They have been unwilling to work with me on providing a fair interest rate, and my loans have cost well over double the amount of the original loan taken out 10 years ago due to the 14.8 % interest rate they charged. I have had to cash in my 401K as my only means to get out from under these loans, and still they are trying to get more money by charging interest on loans that I have paid in full, and allocating my sent checks to the loans in a manner that went strictly to their benefit, and not how I instructed the money to be allocated. They have been impossible to reach by phone, and emails are answered only with a generic reply stating someone would get back to me soon. They have been nothing short of loan sharks and I am outraged at how they took advantage of me and how they are still trying to take advantage of me by charging interest on loans I have paid. This should be illegal. It is certainly unethical and in my opinion, immoral. | ||||||
| 02/02/2017 | Yes |
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| They not only took loan payments from my mom and only applied them to XXXX loan instead of all the loans that were being covered so that she had to pay higher interest and kept calling and harassing us telling us loans were past due. And my loan went from XXXX to XXXX because of late fees and interest. They would n't let me initially put my loan on forbearance they would n't let me do any repayment plans they told me I was not eligible for any of them. And then I found out that they have sent {$5000.00} to a school I never attended and when I spoke to them about that they told me it was my problem and I had to get the money form the school back. I spoke to that school and received a letter stating that I was never a student there and they return the first XXXX that they sent because the loan was canceled then after all that navient sent them another XXXX even after they were told the loan was cancelled and wo n't tell me who they sent that money to you with any proof of who they sent it to. So what happened to that XXXX navient is trying to force me to pay or they will put me in default and ruin my credit and they have already done damage to my parent 's credit and that is only the tip of the iceberg I do n't even think I can fit everything they 've done to us on this. But then when my mom confronted them they lied to my mom and said I told them to give me the {$5000.00} they accused me of theft and slandered me to my own family I never once told them to do that. And now I received a bill from them stating I owed {$480.00} but my mom got one for the same loan stating she only owed {$280.00} and when I spoke to them on the phone they said only {$210.00} was passed due and would not give me a straight answer they just kept giving me the runaround on why they were different payment amounts this causing undue stress on me and my family causing family problems they are trying to tear my family apart apparently and destroy our credit and our life. I have XXXX different loans from XXXX to which I received private expense loans which I will gladly pay back and have almost completely paid back to the XXXX that I refuse to make payments for money sent to a school that magically disappeared that I never even attended. I only went to XXXX School the situation is very confusing but as a lending company they should be required to keep their loans straight and separated like they should be XXXX of those XXXX schools I ended up not attending due to financial situations and inability to move out of state. | ||||||
| 11/23/2021 | Yes |
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| XXXX have never had an account with this company NAVIENT XXXX XXXX REMOVE from all credit agencies from reporting. XXXX means any natural person obligated or allegedly obligated to pay any debt. According to XXXX XXXX Code XXXX ( XXXX ) XXXX.This letter is in pursuing XXXX XXXX Code XXXX ( c ) Ceasing communication XXXX am the consumer mentioned in XXXX XXXX code XXXX ( XXXX ) You are NAVIENT SOLUTIONS XXXX the XXXX collector XXXX XXXX XXXX ( XXXX XXXX I am invoking specified remedies under use XXXX XXXX code XXXX ( XXXX ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to XXXX XXXX Code XXXX ( c ) ( XXXX ) XXXX am the executor under the XXXX XXXX Code XXXX ( d ) pursing to XXXX XXXX Code XXXX A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXX.According to XXXX XXXX XXXX XXXX ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. XXXX XXXX XXXX XXXX ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. XXXX mentioned in the XXXX XXXX XXXX XXXX Unfair practices ( XXXX ) XXXX pursuing to XXXX ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. XXXX XXXX Code XXXX Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section XXXX ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the XXXX Code XXXX and XXXX. | ||||||
| 12/15/2017 | Yes |
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| Complaint about Navient. After finishing my PhD in XXXX, I entered repayment of my federal student loans this fall. Since I entered repayment, Navient has been unable to tell me how much my monthly payment are from month to month. Moreover, their online system changes the amount I owe day to day. It has also been incredibly difficult to sign up for autopay. Their customer service representatives are entirely uninformed. My payment is due on the XXXX of the month. Because the amount fluctuates on their online system, I have taken to log-ing in on the XXXX to see what I owe in the hopes that since it 's the due date, it will give me the correct amount. However, for the past several months, I have paid, on-time, the amount the system says I owe, only to receive an email the next day saying that I missed a portion of my payment. But if the system ca n't even tell me what I owe and how to pay it, then how can I miss a payment? I have spoke to a representative every single month. They tell me they have it sorted out and tell me what to do the following month. But when I do what they say, is still is n't right! I still have no idea what I owe and how to pay it! And when I pay what I think I owe, based on what their online system says, the next day I find out it was wrong and that the system says I have a past due amount and that I 'm a delinquent repayer!!!! I am just so frustrated. I am doing my best to pay my loans back on-time. I have a job, a good income, and a PhD. I can pay my monthly loan payment -- I just need to know what it is and know how to pay it on Navient 's terrible terrible website. If I ca n't sort it out, then I can only imagine that other folks are having an even harder time. Please do something about Navient. Before the restructuring of the student loan industry, I used to pay my loans to XXXX XXXX? In any case, the system they used then was more straightforward. I never had the problems I am having now -- which also includes an inability to change my repayment plan. It wo n't let me select the plan I want, but rather ushers me into specific options. Despite doing my absolute best to pay my loans on time, every month, Navient seems structurally organized to confuse and disorder the payback process. Either from ignorance or from willful dishonest practices, they have acted in ways that make me concerned about their ability to handle my federal student loan and that make me worried that they are intentionally trying to mess up my payments so that they appear late each month. | ||||||
| 05/13/2016 | Yes |
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| Additional payments being made were applied to future interest payments not the principal. I made a {$460.00} payment on XXXX/XXXX/XXXX and then {$500.00} payment on XXXX/XXXX/XXXX and then {$500.00} on XXXX/XXXX/XXXX ( ive included payment history information for the last six months below ). When this was noticed I called Navient customer service and they said the interest was being applied " all wrong '' and promised to correct the issue and apply the extra payments I made to the principal. They were supposed to have it complete within 10 business days and mail a letter to confirm what action had been taken. No letter was sent. I called back on XXXX/XXXX/XXXX and they are trying to say the extra payments made went to interest because there were 31 days in that month not 30. Then they said that the 13 day lag in the payment ( XX/XX/XXXX payment made on XX/XX/XXXX ) caused an additional {$500.00} dollars in interest to accrue. We are making all the minimum payments and then some, and they are incorrectly applying payments and telling me {$500.00} dollars additional interest accrues in 13 days? I want them to fix the account and apply the additional payments to principle like I asked and like they said they would a month ago. Further, it is impossible to get a detailed printout or statement on the account from the website. We can not provide the special instructions on the website to apply extra money to the principal. I am trying to make payments to have this 25 year curse paid off in 5 and save money in interest. They are trying to take advantage of us for doing so and making it so they get the 25 years of interest in the 5 I 'm going to pay this off. Looking through the small print, it says in order for this not to happen we have to mail in a check with a letter each month specifying the action to take. How many people are making extra payments not knowing they are just paying Navient 's interest ahead of time instead of principal. This practice is stealing money from people. Date Description Principal Interest Fees Total XXXX/XXXX/XXXX Payment - {$150.00} - {$300.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$270.00} - {$190.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$330.00} - {$160.00} {$0.00} - {$500.00} XXXX/XXXX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XXXX/XXXX/XXXX Payment - {$130.00} - {$330.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$96.00} - {$370.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$130.00} - {$330.00} {$0.00} - {$460.00} | ||||||
| 08/01/2020 | Yes |
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| I am getting frequent harassing phone calls from a company called NAVIENT., I do not know this company nor ever did business with them, nor do they have any reason to contact me for any other reason. I keep getting harassing phone calls from them to call them back, and that I was an alternate contact for them about an outstanding student loan that is delinquent. I did some research and there a federal Student Loan Management company for the US Department of Education and companies and Debt collectors for delinquent student loans and other financial services. NAVIENT Address : XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXXXXXX XXXX XXXX XXXX They keep calling me and harrassing me, to call them back and leaving messages about a delinquent student loan. I never had a student loan nor did I ever cosign for one. I never been to college and no collage can say that I owe them any money or any other education company or any other company for a matter of fact. They are a very shady company buying debt loans and adding Thousands on top of the outstanding balance and then harassing people to pay them for money that they just added on top of another dept. Their website says that their not associated with any other USA company. So why are they in operations in the USA? based in XXXX XXXX XXXX XXXX USA. Another shady foreign owned company allowed to operate in the USA under protection of other sub companies like their shareholder company : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX KY, XXXX XXXX I never took a student loan from any company private or Government runned, I do not owe anyone any money at all for anything. This should make an interesting infestation that dept companies are allowed to add unpayable dept on top of another outstanding dept, that the borrower can not even pay off, and then sending them 100 's of collection mailings and harassing phone calls, and contacting people who do not even know about the outstanding loan or dept that there trying to collect on. Targeting innocent unaware people for money by harassment and threats about repossessing their property when they have nothing to do with the dept, loan outstanding or their company in any way. Or Just because one family member with the same name or different name took out a loan and the other did not know nor ever co signed for it, and do not even live together, or have anything to do with their business they go after family members for the collection of the outstand dept that the person owes. Sounds like a mob operation. | ||||||
| 04/22/2019 | Yes |
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| XX/XX/XXXX Dear CFPB, Navient remains a thorn in my side and continues to lie, mislead and when I ask for assistance from their Office of Customer Advocate, what I get is a person named XXXX XXXX who I view and as Id imagine any judge in this country will see as an advocate for Navient ; not the customer. This is a company that is being sued by five States and the CFPB. As you will see in this complaint. XXXX changed a document on page 31 ( last page of attachment [ Navient XX/XX/XXXX COPY ] ) stating FALSE information in order to make me pay more interest and bluntly creating false information which has to be committal of XXXX on her part. My XXXX is attached as well, states that my XXXX was approved XXXX XXXX Approved XXXX COPY ). Furthermore, as you will see in her letter, she states, Unfortunately, we are unable to transfer your loan to another lender. How is this helping me as a Customer Service Advocate? On the contrary. Shes saying, Im stuck with Navient and therefore without can not have another Student Loan provider. Is this a JOKE? Further, furthermore, XXXX is not proving me with any loans that were already paid for before XXXX. Why would I pay for loans that dont even exist? This company has pushed me to defer and to claim forbearance for many many many years. Do you think me or any sane person would ask for XXXX XXXX instead of a plan that would allow them to avoid it? Are you serious? This is a joke. NO judge, I believe would put a person as such financial risk and subject them to the levels of stress, anxiety and corruption as Navient has done to MILLIONS of people. Persons they call customers. Here 's another lie, " Additionally, it is important to note that the majority of your deferment or forbearance requests were submitted electronically, without speaking to a representative. '' I called and spoke to your reps all the time. You just prefer to lie and say I didn't. Your track record of lies speak for itself. And they keep up with this XXXX, You first enrolled in XXXX in XX/XX/XXXX ; however, we first sent you notification of repayment options, including XXXX, on XX/XX/XXXX. I never received any information about the XXXX until I first read an article in Time magazine. I demand those year be retracted and an apology letter sent along with some major loan forgiveness asap. While I was studying for my second Masters and PhD, Navient was still trying to get me to take out loans. This was in XXXX, XXXX, XXXX and I think XXXX. The buck STOPS here Navient. | ||||||
| 07/04/2020 | Yes |
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| So the problem is Sallie Mae. Between XXXX I attended a FOR-PROFIT COLLEGE located in XXXX, CA. In total, I was charged more than {$24000.00} dollars. My education processes lasted 8 months ( or less ). Of the For-Profit College that I was originally encouraged to attend, was then named XXXX College. I was charged {$24000.00} dollars ( that was all taken in even before the first day of class ). Included all student fee-wavers and student aid where all subject to be taking in by XXXX College. Since the first day of class, till the end of the remaining last month, the institution lacked the value of its representation. Its education method lacked intellect. And encouragement was misleading. It promotion methods about direct job training was misleading. Its assurance of a Job was lacking in fact. A few months after the end of the 8 month ( or less ) education process by XXXX College, I lacked the ability and the chance to find a job. Once I did apply, and was brought in ( 5 months after receiving a degree from XXXX College ), the skill and training required lacked the intellect support required. XXXX College became XXXX College that same year I was given a degree. ( Lacking support to a students education - trust and worth ). My education title was then - XXXX XXXX. After seeking for a job near-to 5 months after receiving my XXXX College degree ( XXXX College XXXX ), I receive a job. Four months later, I was terminated for lacking of XXXX knowledge. Afterwards, I was notified that XXXX College no longer existed but was instead a new college called XXXX College ( XXXX College XXXX ). I was never able to climb or find a job with the education I. received from XXXX College. The staff and employees from XXXX College ( XXXX College XXXX ) who once told me of the value of education and assurance, where then avoiding or changing the policies they stood for. XXXX College XXXX applied for bankrupt. I am still being charged for an education that was defrauding students. Sallie Mae sold my information to Navient ( or switched to ) and Navient wishes me to pay the remaining loan money that XXXX College ( XXXX XXXX ) - XXXX College XXXX - originally charged me for. I was, with thousands of students, defrauded by a FOR-PROFIT College Inc. who assured every student, but now attempt to avoid any fault. Navient is ignoring the fact and using the means used by XXXX College XXXX to defraud students. NAVIENT is currently charging me for a fraud brought about by XXXX College XXXX. | ||||||
| 02/20/2017 | Yes |
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| I attended XXXX University until XXXX 2016. I contacted my professor and cc 'd my counselor that I was having a hard time completing my coursework due to unforeseen circumstances at home and work. I called and requested to drop my classes ( which they have no record of ). So, in XXXX or XXXX I contacted my counselor about continuing my education and was advised that I had a balance of {$3200.00} to clear before I was able to continue. Almost, {$2800.00} for classes dropped ( i 'm being charged for the full classes ) although I called to drop a few days prior to drop date and ( {$500.00} or so ) for classes that I never authorized them to put me in for the following semester ( I never even logged in to them ) and I talk to the counselor prior to XXXX 2016 term and advised her I did not want continue until XXXX due to starting a new job. My counselor recommend that I request a Corporate adjustment, so I contacted the department and sent emails back and forth for over 2 months at which time I was advised I was already approved for partial credit due to the documentation sent from my therapist. Then I find out a collection agency has added the {$3200.00} to my credit file as of XXXX, when no decision has been made as of yet on my entire balance, I also found out the collection activity started 2 months prior. Once I found out about the collection being placed on my credit I emailed the person I had been in communication with for corporate adjustment and was advised my request was denied and to follow up with the collection agency directly. Then I asked why it was denied and was advised it was due to insufficient documentation and that I would need to contact Student Affairs if I needed anything else. I call Student Affairs and leave a message, then I receive an email stating they do not handle this I would need to file a grievance. After almost 90 days of providing personal documentation about my work, school, XXXX health and my dad 's illness they deny my request. I am currently in the process of getting a pre-approval for a home and this debt being placed on my credit is jeopardising me receiving my pre-approval and has dropped my credit score. Also, I am unable to continue my education at another institution and not able to access my transcripts to transfer schools due to the hold placed on my file for this debt. This amount is not owed by me. I would appreciate someone looking into this matter and reading all of the attached communication and documentation sent to the school. | ||||||
| 01/27/2017 | Yes |
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| I have federal loan payments through Navient. I have had this for two years now. The first year everything was fine. I submitted for pay as you earn payments and it was good at the beginning. At the XX/XX/2016, I filed my taxes and submitted the forms ( just like I had done the year before ). After not receiving any reply I called them two weeks later and they told me they never received the information. Which seemed strange to me since I had already done this the year before. Because the payment was extremely high and I was not making much money at the time, the woman working for Navient told me I should put my bill in forbearance. Although I did not want to do this, I also did not want to make a payment that was way higher than I should be making. I resent the information to them and again after not hearing any reply from them I called them three weeks later and they told me ( again ) they never received the information. I told the representative that is must be on their end that they are not receiving it and she told me that I should try to do it online. Again she was extremely quick to want to throw my loans in forbearance and told me that there is no penalty for doing so, that it was just tact onto my payment duration on the end of the loan cycle. After already being through 4 months of the XX/XX/2016 year I tried doing it online. And AGAIN, after not hearing any response I had to call them and they told me that I submitted the forms wrong and had to do it again. At this point I knew something was wrong because I did not do anything wrong I triple checked everything to make sure. She told me that the only option we had was to put it in forbearance again. Thinking that there would be no penalty I agreed to do so until they figured out what was going on. The fourth time I tried it I never received a reply and could not get ahold of anyone. They constantly switched me back and forth to different departments and I received no answer. I then went to look at my account and my original loan of XXXX was now it is thousands of dollars higher than what it was. I had no idea what to do because I can not get my forms through to this company and they just keep avoiding helping me. I saw online yesterday that Navient has a lawsuit against them and I read thousands of other people are dealing with the exact same thing. So they have tacked on thousands of dollars to my once original XXXX, and have lied to me about not receiving my information. At this point I am stuck and have nothing I can do. | ||||||
| 07/28/2018 | Yes |
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| To whom it may concern : I have recently identified some fraudulent activity on my credit reports and have been inquiring from all current creditors validation of debt. I then looked at my credit report and began to suspect false information. Prior to checking my credit report, I offered the company Navient a settlement, to which they replied with a bill statement. I then looked at my credit report and began to suspect false information. At that point, I inquired for a validation of debt, communicating concerns. The company replied to me they had done an, " internal investigation and validated that I in fact owed them alleged amount. '' They did not send me a validation letter as requested. I am concerned that they are illegally collecting a debt from me, as I am a legal resident of the state of XXXX, and understand that in the State of XXXX, debts older than 6-10 years are no longer supposed to impact current credit standing. The alleged debt is from XX/XX/XXXX and I do not recall being the said party that signed on alleged debts and am simply trying to validate I am in fact the obligated party, with original documents with wet signature, and not being pursued for someone else 's debt/fraudulent activity. In XX/XX/XXXX, I was new to the state of XXXX, XXXX and starting school at a XXXX college. At that point anyone could have received my information and done illegal activity. I am now XXXX and questioning this validity. Last year, XX/XX/XXXX, they initiated a call with me stating, " you owe us money, we are a debt collector, it is in reference to your student loans, we want to help you, we will help you by putting you on a reduced monthly payment plan, but you have to do it now. '' So I agreed, understanding I was in default status with student loans and trying to do the right thing. However, now I am questioning the validity of all this. Again, if I am truly the obligated party and this is in fact my debt, I will continue to resolve alleged debt. However, the company is not confirming it is my debt, simply telling me I owe them money for a student loan with no original documentation of alleged obligation and reporting it to multiple credit reporting agencies. I have tried to contact them on multiple occasions and am now concerned that it is an infringement on my rights and the information is false, as it has not been validated, thus, negatively impacting my credit score and standing. Please help me resolve this situation and have this false report removed from appropriate records. | ||||||
| 12/27/2016 | Yes |
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| On XX/XX/2016 I called to request my payment to be increased to pay all my loans off in XXXX mo 's. The representative stated it will be {$790.00} in total. On XX/XX/2016, they pulled {$850.00}, a {$64.00} difference. On XX/XX/2016 I called Navient to request the correct payment and a refund of the {$64.00}. I asked the representative to recalculate my payment so that it could be paid off in XXXX years, and she stated that they miscalculated my payment before and she needed to correct it. She stated my total payment is now going to be {$750.00} .After a XXXX minute call and escalating the issue twice to a supervisor I was approved the refund for {$64.00} and they stated that it would put my account in delinquent status but that status will fall off in a few days. As of XXXX today, my account is still in red despite the fact it was paid. I was told the {$64.00} would credit my account on XX/XX/2016, and no such credit is received. Furthermore, I know the payment of {$750.00} is incorrect because the statement I was issued from them shows a payment term of XXXX months, not XXXX as I requested twice before. I also see on my statement they changed my repayment terms, which might mean I am no longer able to just pay the minimum if I wish to no longer pay my loan aggressively. My goal is to have a XXXX month payment amount but not have that be what my minimum required payment amount is. I do n't want them to change the loan terms, but to keep the original agreement I signed in my promissory note to XXXX XXXX before Navient started servicing it. I am increasing my payments to them, so I do n't see why they have to mark me as delinquent and lie to me and say that my payment is XXXX months when looking at my statement it is XXXX months. I am employed at a financial institution where I process loans. I am appalled by their behavior and their refusal to correctly calculate payments. They threatened to put my loan as delinquent when I asked for the {$64.00} back even though it was a servicing error on their part. Furthermore, when I faxed a request for a {$10.00} credit for the overdraft fee to my account that ensued by this {$64.00} discrepancy, the request was never addressed and no action was taken on their part to rectify the situation. I do n't believe that Navient is acting in the best interest of their customers. My hope is that with this complaint you can look into the company and instigate new regulatory procedures they should follow in order to better their financial relationships. | ||||||
| 01/01/2023 | Yes |
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| I have been making payments on my loans since XXXX. I started on a rate reduction plan and in XXXX I went off the rate reduction plan and paid the full amount of my loan due with normal terms. My payment was just under $ XXXX. The year of XXXX my payment went from XXXX to XXXX because my loans have variable interest. In XX/XX/XXXX I called to get on a different repayment plan. I explained I am a XXXX XXXX XXXX XXXX XXXX I do not receive child support or aide of any kind. I can not afford any more than a {$650.00} payment as I already am living paycheck to paycheck. I was then placed on an interest only payment plan that I set up reoccurring payments of XXXX to pull from my bank every month. Unfortunately, this interest only plan did not lock in my interest rate at the time. I found out recently that that has since changed right after that plan was set up. Interest only plans now lock in the interest rates. By XXXX my interest rates continued to go up and my payment was back over $ XXXX. The reoccurring payments that were set up now did not cover what was due and I honestly could not afford it. I received a phone call from Navient in XXXX looking to collect the short amount on my account. I explained my situation and express I could not afford to pay any more a month and asked about any other possible programs. He told me I was not eligible for any other programs because I was enrolled in the interest only XXXX and had to wait out the 6 months in that program. I received another phone call looking to bring my account current right before XXXX. I again explained my hardship and willingness to make payments, but needed a more reasonable payment. He told me he could get me cancelled out of my current program and after the holiday we would discuss and go over what was available for me. XX/XX/XXXX we resumed our conversation about a different repayment plan. He told me I was only eligible for an interest only plan and it would now be over $ XXXX. I explained I could not afford that much. He then tried to run numbers for a rate reduction plan. He collected my financial profile for the month ( I live pay check to paycheck, things are very tight ). He spoke to his supervisor and said there was nothing else they could do. I am willing to make payments and have been consistently making payments to Navient for years. After years of payment, I have not even started to make a dent in the amount I owe them and they continue to raise my interest rates and my monthly payment to unrealistic amounts. | ||||||
| 01/29/2020 | Yes |
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| At XXXX XXXX on XX/XX/XXXX, I received two emails from Navient. The first was an advertisement email about my repayment options. I have been in a {$0.00} IBR plan since XX/XX/XXXX ( re-certified from XX/XX/XXXX ). The next email was a monthly statement, which I have never received before. It informed me that I had a past due payment from XX/XX/XXXX of {$440.00} and that " You're all set with Auto Pay. '' I had not received information that my IBR or Auto Pay enrollment had changed. ( I didn't, as confirmed by the customer service rep. ) I went into my account, where my Account Summary did indicate that I had a past due payment of {$440.00}, but that the Status was " No Payment Due. '' Because I like to stay on top of my finances and I am able to pay a surprise bill, I submitted payment then called Navient 's support line at XXXX XXXX. When I spoke with the representative, she told me that she doesn't know why it was appearing I had a past due payment and confirmed I was still enrolled both my {$0.00} IBR and auto pay. The representative also said that she has seen it happen before and tat it must be a technical issue. She said they could get rid of the past due payment by putting my account into forbearance, which would take two weeks to go through review and possibly having the past-due removed. I told her I submitted the payment because I have no problem paying it. She said I didn't need to make the payment and asked permission to cancel the payment, to which I agreed. After holding to speak with her supervisor, she read me the terms of forbearance, which I learned centered around payment being a financial hardship. ( Recall how I told the representative I do not have a problem paying the amount. ) I had also asked beforehand if forbearance has an effect on my credit and if it would effect my eligibility for PSLF. She said no. When she asked if I agree to the terms, I said, " No. '' I then said I have a question. I asked if I pay the amount, the issue would clear when the payment processed she said yes it would. So I said I would just pay the amount. I also realize now that I probably wouldn't have had to pay the amount listed, since it 1 ) did not line up with my repayment terms and 2 ) was listed as No Payment Due. However, after ending the call, I submitted payment for the {$440.00} because I take my debt seriously and overpay my minimums. I am reporting this to the CFPB to show that Navient recommended forbearance to me when it was not appropriate for my situation. | ||||||
| 09/28/2017 | Yes |
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| We did get SOME assistance back in XXXX as Navient took the payments that they posted incorrectly and redistributed them so that it showed our accounts up to date. They also retracted their submission to the collection agencies for both me and my son so our credit scores were returned to where they should be. However, my son should have graduated with XXXX XXXX in XXXX XXXX. Because I am/always was single mom, dad nowhere in sight, I was laid off from middle management and could n't find other work and other problems ( the list goes on ), we have not been able to get more loans and he is STILL in school full-time. But Navient wants $ XXXX per month still and now 2 XXXX XXXX XXXX have kicked in wanting payment. I believe I got " loan forgiveness '' for past federal loans but now he has more federal loans as he still files his FAFSA each year. We do not have the money to pay all of this back right now - but do n't want these loans to grow. For instance, he has one XXXX XXXX loan that was for {$9500.00} that is NOT asking for payments yet, but the balance of the loan is over {$11000.00} due to the interest accruing. And we ca n't do anything about it because we do n't have the money. This student has worked full-time practically since he was XXXX. He still works the same job, now very full-time. But we both have typical monthly bills to pay. As I was laid off right after he started college and have been unable to recover financially, unable to find a good job over the years from XXXX to XXXX, and then started to have medical issues XXXX after another. I 've been hospitalized 4 times over the past year having NO HEALTH COVERAGE, was turned down for XXXX 3 times until just recently. Of course, I can not find doctors who actually take XXXX insurances so I have to rely on clinics with waitiing times of 3-4 months when making appointments. I had used ALL of my XXXX monies between mortgage and his college and have sold my car and now my home. Just yesterday it cost me over {$50.00} in cab fare to get to/from a medical appointment. MY QUESTION IS - IS THERE ANY ASSISTANCE OR GUIDANCE YOU CAN OFFER REGARDING THESE STUDENT LOANS? Either to defer without additional costs or consolidation. I went through pages and pages on XXXX website to consolidate the XXXX loans there and was told that the consolidation was approved. Yet they continue to send XXXX separate bills with XXXX different interest rates of XXXX, XXXX, XXXX and 9.25 %. So after I jumped through all their hoops - they did nothing. | ||||||
| 06/21/2017 | Yes |
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| I graduated from XXXX XXXX University in XX/XX/XXXX and then moved to XXXX to begin my career in XXXX as a XXXX XXXX XXXX XXXX in XXXX. When summer rolled around and my student loan payments became due they were more than I actually took home monthly. I contacted Navient and was told my only option was to put the loans into forbearance. Which I qualified for because of my low income status. While in forbearance the loans would continue to accrue interest and I would not be eligible for the federal student loan forgiveness programs because I was not making a payment. This continued from XX/XX/XXXX until XX/XX/XXXX years ago when I was informed by a colleague at work that I could qualify for an income based repayment option. Turned out due to the high cost of living and the low XXXX salary in XXXX XXXX my payment is {$0.00} per month. As a XXXX in a XXXX XXXX XXXX working full time I qualify for the Federal Public Service loan forgiveness program ; which I am signed up for now. This program requires 120 payments on the loans ( 10 years of paying monthly ) and then the remaining balance will be forgiven. Even a {$0.00} payment qualifies, this program was designed specifically for state and government workers whose jobs require higher education but the salary is typically low. I spent fromXX/XX/XXXX until XX/XX/XXXXon forbearance and none of that time counts towards forgiveness. I am very angry because on several calls I asked specifically for help in the monthly payment and for information on loan forgiveness and was told forbearance was my best and only option. So now I have to continue accruing interest and making the adjusted payment for another 8 years, when if Navient had offered me the program I asked for to begin with, this year would be the end of my student loans. I love being a XXXX but the only way to maintain my license and to increase my pay is with continued education. I have to use the federal loan service to continue my education and advancement in my career. But I have over 100,000.00 in loans and at this point I was not even able to buy a car or to be part of the mortgage when my husband and I bought a home. I was naive in the thought that because it was a federal loan the servicer would want to offer me the best options and I am very angry that this company has put my family into financial strain. I am sure there is no way to get back the time that navient took from me but there should be compensation of some kind at least in the interest amount that was collected. | ||||||
| 01/15/2018 | Yes |
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| Loan Info XXXX Direct Loan - Subsidized {$4100.00} Loan Info XXXX Direct Loan - Subsidized {$1200.00} Loan Info XXXX Direct Loan - Unsubsidized {$9700.00} Loan Info XXXX Direct Loan - Unsubsidized {$2300.00} Total outstanding balance {$17000.00} I am requesting that these loans be forgiven in its entirety. From day 1, when I signed up for school I was very clear with my counselor what my intent was. Never, was I advised that this field requires 2-3 years experience just to get your foot in the door. After many years of gaining my own experience I am now a XXXX XXXX and have met many people who do the same work that do not require certification. I am beyond frustrated with almost {$20000.00} in student loans for nothing! I lost my job 2x since I have taken loans and could not afford. When I signed up I thought most of my fees were covered by grants, obviously that was wrong. After completing school I contacted so many people from Navient, student loans, so many different companies I have had to deal with only now to be back with Navient. I am not sure who has my loans but I am not educated on what to do if I cant afford so I called you guys, the professionals and never really understood what the heck I was getting into whether I was supposed to apply for forgiveness, repayment, forbearances and even when I guessed getting paperwork was a ridiculous process resulting in a few late payments reported to my credit which is now impacting my goal of buying a home for my children. Your associates are great with redirecting from one company who redirects you back then from one department to the next, then when you finally get a live rep on the phone you need to know a pin or know exactly how you filed your taxes prior years making it IMPOSSIBLE for borrowers. The government should be ashamed with what they are doing to families. I have XXXX XXXX and a XXXX mom and my life is on hold because of this. Not enough education provided to borrowers or students. I feel that this entire process is a scam for the government to lock folks in. As a result of not knowing what I am doing and getting no help with education I am now almost $ 20K in debt and have no idea how to get out of this. I will also be filing the same complaint with the Department of Education, CFPB and Navient and will continue with the Department of Consumer Protection, Attorney General and/or media if I need to. This is not right to do this to families. I cant go anywhere with this on my credit and feel like my life is doomed! | ||||||
| 10/25/2017 | Yes |
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| I am requesting a review of my m current loan status with Navient. Navient currently shows me as being past due 30/60/90 days during the months of XXXX, XXXX and XXXX of XXXX. This is a dispute and a request to remove the past due status due from my credit report due to non-notification and awareness of a balance with Navient. I filed chapter XXXX bankruptcy in XXXX XXXX. At the time, my student loans were managed and owned by XXXX XXXX. I made several attempts to get a status of my loan with XXXX XXXX and was informed that my account was under a cease and desist because of the bankruptcy status and they could not release any information or speak to me regarding my student loan account. Under Chapter XXXX bankruptcy ( 5 years ) there was no notice or communication ( phone call, e-mail, letter ) received from XXXX XXXX regarding my student loan account. I sent in a previous dispute letter dated XXXX/XXXX/XXXX ( enclosed ) to Navient in which I received a notification that past due is valid and will not be removed. I am disputing the results of that investigation and would like for someone to take a look at the history of events for my account. I called customer service and spoke to a manager who informed me to write in again regarding the history and events so that my case can be reviewed again. History XXXX XXXX Filed Chapter XXXX bankruptcy XXXX XXXX Moved from XXXX XXXX XXXX XXXX, XXXX XXXX to XXXX ( enclosed Change of Address Confirmation ) XXXX XXXX Chapter XXXX bankruptcy discharged XXXX XXXX Navient sent letter of loan purchase to XXXXXXXX XXXX address ( I never received and I was no longer residing at that address. My primary phone number also changed ) XXXX XXXX I was contacted by Navient regarding my loan. I made a payment the same day and updated all contact information. Please be advised that when Navient assumed the loan from XXXX XXXX, I did NOT receive any communications regarding the sale. It is evident that any communications from Navient were being sent to an old address where I no longer resided ( letter enclosed ). During this time, I am still under the assumption that XXXX XXXX is my loan provider. I was finally contacted by Navient in XXXX XXXX where I immediately updated all my contact information and made a payment that same day. I have also made my payments each month thereafter on time. As you can see below from my reported loan history, I have never missed a payment, even before I filed bankruptcy, so why would I do so between XXXX and XXXX XXXX. | ||||||
| 07/06/2023 | Yes |
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| I spoke with Navient in XX/XX/XXXX about a potential late fee over the phone and through their messaging system. The rep over the phone said as long as it was paid by a certain date, ( which was a few days into XXXX ) a late fee would not be applied. I paid the loan before the late fee, so no late fee was applied. I continued to pay my loan before the late fee date. The ONLY date that was missed was for the XXXX payment, and the late fee was applied for {$3.00}. I paid that late fee and even made XXXX payment early. I noticed another {$3.00} fee was added to my account when XXXX statement was generated online. At this point, I was in the hospital recovering from emergency XXXX and decided to deal with it when I was XXXX. After I was XXXX, I emailed Navient through their messaging system on XX/XX/XXXX asking about the late fee and how it should be removed since I paid the XXXX late fee I owed. However, I have never been XXXX month behind as I have only been a couple of weeks behind at most. Clearly if I were XXXX month behind, this would have been on my mothers credit report as well as my own ( It is not. ) I am attaching the payment history as I am not paying the late fee since it was paid. I would like this resolved quickly as it looks like they are attempting to make up past late fees, which is not legal. Again, I paid within the date before late fees were applied. Navient gives you until a certain date through the next month before late fees are applied and I have only missed this date XXXX time. The response I received is below from XX/XX/XXXX Your loan ending in XXXX has been XXXX month behind on payments since your XX/XX/XXXX payment due date. The payment for this due date was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX then was returned on XX/XX/XXXX. Due to this returned payment, a XXXX XXXX was assessed on XX/XX/XXXX. Please note a XXXX XXXX can not be satisfied until it is disclosed on your monthly statement. Payments made before the disclosure of the XXXX XXXX will not be applied to the XXXX XXXX and can not be altered. We appreciate the opportunity to serve you. Best Regards, XXXX, XXXX Servicing XXXX | ||||||
| 10/30/2017 | Yes |
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| In XXXX XXXX and without warning, Navient has started charging me {$440.00} in addition to the {$130.00} that I have been paying while a student. After ringing the company, I have been told that the maximum in-school deferment has been reached for XXXX XXXX XXXX XXXX XXXX XXXX, which is why the sudden increase of my payments was made, though completely without warning and without my authorisation. I have been making regular payments of {$130.00} for many years and never been in default, so when a sudden and unexplained increased to my monthly automatic debit occurred, I reported the transaction fraudulent to my XXXX XXXX. Navient refunded the money, and we began working on my situation, which required me to submit several {$50.00} payments for additional months of deferment while processing my case. During the months that followed, I worked with Navient employee, XXXX XXXX, who sent me a financial worksheet to complete to identify options for lowering my payments while completing my research degree. I am a full-time student at the XXXX XXXX XXXX XXXX XXXX who receives a studentship for fees and accommodation, and supplements my limited income through 10hrs a week employment with XXXX XXXX XXXX ( a US owned company based globally ). Because I am a student in the XXXX, I am limited to 20hrs a week employment while studying. I can not manage my school load when working anything more than the 10hrs I received from XXXX. The feedback that I received from Navient was that there were no options available because my monthly income was too low and they requested that I borrow money from friends and family to make the monthly payments they are demanding. They would not consider my in school situation or make allowances for the strain full-time study places on me financially. I am at the end of the planned deferment allowance and in danger of this loan going into default. All my other student loans are in good standing and in-school deferred until I complete my course in XXXX XXXX. On XXXX XXXX, I was made aware that instead of keeping my student loans in IBR in XXXX, as I had intended to do to help alleviate the pressure of extending the student loan period included in the IBR, was set to in-school deferment in XXXX. At present, all my student loans that can be placed in in-school suspension are. I fear that this has cost me years of my loans placed in IBR, which I understand to have put me into a less fortunate situation. Please note this is an additional complaint to the XXXX XXXX XXXX | ||||||
| 10/30/2018 | Yes |
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| As given here as concise yet clearly as possible I am still experiencing the following : - There is as of yet no clear or guided humane help with my student loan debt situation. - Currently under Navient, who my student loan debt was transferred to after having XXXX ( Now XXXX XXXX ) servicing them for sometime, plus prior to them under SallieMae. - Worsened or led to the unfortunate current problem I have after I consolidated my debt, and whoever did the " processing '' back then accepted the variable over the constant interest rate - to make more money off of the principal and what is added ( i.e., the interest, which keeps running and accumulating to the amount owed daily, with no real relief etc. ) to such! - At the end if the {$150000.00} or +thereabouts forgiven/discharged/etc. will unfortunately result as brought to awareness of in at least one online reference in $ 20,000-30,000 worth of taxes that was mostly based on monies the debtor did not pocket - the bank/loan servicer did, though I and not them wind up paying for their taxes owed! Does that make sense to a " self-defeating '' aid at the end for those who just went to school or not? - Have this unfortunate situation as given/based as if on some type of horrible or not humane " usury-racket '' activity which goes against a true care for this situation. - Currently unemployed, have been mostly on forbearances/IBR plan for years yet was told by at least one reference that you could be and/or better off on PAYE and/or REPAYE and not get the problems with interest charges as Navient ( and others before ) has you on one so that they could make money off of the interest? - Had done a previous complaint when under XXXX, which resulted in a contact with someone ( agent/etc. ) for the US Dept. of Education, who only did an audit, recalculation, etc. of my student loans though still left my situation as " same-old-same-old '' with the interest rate still running and adding to the principal with no positive aid of some type whatsoever! - Also have to renew my plan soon as such will be expiring within a month or so, and the other day went to their website to login and found their services down. - Also aid in taking are of a sister on XXXX who receives such on Social Security as I did as a XXXX XXXX to my father who was a veteran and passed away in 2012. Will look forward to any options, assistance, etc. that your services could render with this severe debt situation and thank you kindly again for your services! | ||||||
| 05/19/2017 | Yes |
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| YOUR COMPLAINT This complaint concerns Navients aggre ssive and intrusive debt collection practices. I have regularly made monthly payments on my {$9000.00} XXXX loan with 10.5 % interest since graduating from XXXX University in XXXX . I now owe {$4000.00} on that loan. I was laid off in XXXX of XXXX . Since then, I have been unemployed and struggling to find a job. I have inform ed Navient of my financial difficulties for many months. In the las t two months, Navient h as become highly intrusive and abusive in its phone calls, enough so that I consulted with a legal service s ( free ) attorney. On XXXX XXXX , XXXX , I filed a complaint with the CFPB with the help of her legal services lawyer. Navient has responded that it is not going to respond since the complaint was filed by my attorney, not me. Navient and CFPB have thus closed the c ase. The calls have gotten worse since XXXX XXXX . On XXXX XXXX , XXXX , I sent an email to my attorney and reported the following : Employee ID XXXX calls. He makes me go through all of my financial statements, asks me my minimum payments, how much I spend on food, transportation etc. Then he wants an answer as to why I wo n't move back in with my parents and save rent. ( I am XXXX XXXX XXXX . ) He then stated he pulled up my credit report, told me my story is n't real and that I am not out of work. He stated we are setting up a payment plan and accuses me of lying about facing hardship because my credit report shows I 'm paying all of my other bills ( which is not true ). Similar calls with intrusive and belligerent questions have continued. On the last call, when I was explaining for the hundredth time that I was still unemployed and could not get the money from other sources, the Navient collector argued that the fact that I had a cell phone meant I was choosing not to pay Navient. When I said I had no money for stuff other than rent, food and basic utilities, the navient collector said you better find it. When I said, Im calling my lawyer, he said, lawyers cost money, insinuating that I am choosing not to pay Navient. I have paid this loan for years. I have hit a difficult time employment-wise. Navient has alwa ys gotten its money from me. It is still earning interest on this debt. Its calls are deeply upsetting and counterproductive. I do not understand why Navient is treating me so harshly when I have a lifetime of earnings ahead of me when I get back on my feet with which to repay it with interest. | ||||||
| 04/20/2017 | Yes |
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| I am writing in regards to my recent experience with Navient and the lack of help I have received. At the beginning of the year, my husband lost his job. We have a young daughter and another on the way and since we lost a large amount of income, we started to have trouble paying our bills. My student loans were getting further behind because I was unable to pay the high payments so I reached out to Navient for help in lowering the payments so I could possibly make small payments on them until my husband found another job. I was basically told by the customer service person I spoke with that losing a job does not qualify me for help. I was astounded. How can losing a large portion of income not qualify me for help? What does if that does not? If I do n't have money to pay the bill, they wo n't get paid. In the weeks following, I got MULTIPLE emails and phone calls fro m Navient saying, please contact us, we can help if you are unable to pay your bills. So again, I reached out. The customer service person I spoke with the second time was very understanding, very informative and very nice. She offered an option to help drop the payment a little bit. Well today, alm ost two weeks later and after the first automatic payment was withdrawn, I get an letter from Navient stating I am not eligible because I can repay the loans. I am still trying to figure out how my monthly mortgage, power bill and student loans, not considering ANY other bills are more than I make a month mean I can afford to make payments? That would mean my daughter, my husband and I would all starve because we can not buy groceries or I would not have a place to live because my house would be foreclosed on. Or Maybe I should stop making a payment on the car that gets me back and forth to work so then I lose my job and have no income. I am really not sure which one I should choose. The most frustrating part of the entire process is that I get phone calls and emails daily asking me to reach out to Navient because they can help! I have reached out TWICE and received NO help. None. To make m atters worse, I have been trying to change my name for a year on my loans to my married name. I have uploaded documents, mailed them, everything. My name is still not changed. This means that I am unable to login to the website to at least try to get my federal student loans lowered. I have been harassed about contacting them for help, when clearly all they really want me to do is sign up for automatic payments under false pretenses. | ||||||
| 11/19/2019 | Yes |
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| Beginning XX/XX/XXXX, Pioneer Credit Recovery has been calling our rental/business office with their phone calls for an attempt to collect a debt. At this time our office has received 9 phone calls in 11 business days. The phone calls have been coming from XXXX and asking that PCR be called back at XXXX. We have responded to each phone call and have repeatedly asked that they stop calling our office. The phone calls are being made through our contact phone numbers for our online advertising for our townhome rentals. Our advertising agency, XXXX XXXX, has also been notified of these calls and they are in the process of changing all of our contact numbers on our online ad 's. *See attached phone log of the phone calls from PCR. *See attached transcript of the phone call messages. * See attached online ad for our rentals. *See the attached email from XXXX XXXX from Navient/Pioneer Credit Recovery-which clearly indicates that we do not have or owe on any accounts with them. In our phone calls back to PCR we have requested/demanded that the phone calls stop but to no avail. On Thursday, XX/XX/XXXX, an email was sent to their CEO XXXX XXXX, XXXX XXXX responded to that email and assured our office that she would resolve the issue and the calls would stop, still to no avail. On this same date an employee in our office received their phone call, while the employee was with a potential rental applicant. We are a reputable XXXX XXXX XXXX that has been in business for over 30 years and we feel strongly that this is harassment. Again, each and every time we have received their calls we have responded and given them our numerous online contact phone numbers and they still have not stopped the calls. The phone calls are also being left on our voice mail. This needs to stop. We are a small reputable company that does not want our employees or others to hear these debt collection calls for an account that is not ours. If there is any other information that you would need, please do not hesitate to contact us for additional information. We are fortunate that our office and advertising company have complete documentation of all of the calls and the audio of each call. Prior to my contacting of XXXX XXXX, I had called the XXXX and had spoke to numerous representatives of PCR, including supervisors, all of which were terribly rude, condescending and none of which did anything to resolve this issue of these phone calls. They are targeting our small business for an account that is not ours. | ||||||
| 01/08/2019 | Yes |
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| On XX/XX/2019, I made a payment of {$160.00} to my loan servicer for one of my loans. During this time, I was also considering refinancing all of my student loans, both my XXXX XXXX XXXX loans and my private loans through Navient, into one through XXXX. On Sunday XX/XX/2019 I began filling out an application to XXXX to refinance my students loans by consolidating them. Monday XX/XX/2019 XXXX approved my loan application to refinance and consolidate my loans. I then called my loan service, Navient, to 1 ) get a 10-day payoff letter to provide to XXXX and 2 ) cancel the pending payment of {$160.00} so my 10-day payoff amount would be accurate. 1 ) I was advised of the total amount of the 10-day payoff and that I would receive a letter in my Navient inbox through their website the morning of Tuesday XX/XX/2019. Navient has two separate inbox 's on their website - one for XXXX XXXX XXXX loans and one for private loans. I received a 10-day payoff letter in my XXXX XXXX XXXX inbox for an amount that is completely different that the 10-day payoff amount I was originally provided on Monday XX/XX/2019. So, I call Navient to get an explanation. I was then told it takes 24 to 48 hours to receive 10-day payoff letters ( remember that I was originally told that I would receive it " in the morning '' ). I was also informed during the second phone call that I would be received 3 10-day payoff letters, not 1. All for different amounts that would total the single sum I was originally provided. I was also told that the previous person I talked to gave me incorrect information regarding when I would receive the 10-day payoff letter and the number of letters I was going to receive. I was then told that Navient would resend all the 10-day payoff letters I requested and it may appear confusing because I could potentially receive multiple copies of the same letter. I was also told that it would take an additional 24 to 48 hours to receive those letters, but would most likely receive them Wednesday XX/XX/2019. 2 ) I was advised by Navient that they were unable to cancel the payment of {$160.00} because their system is unable to cancel a pending payment once 24 hours has gone by, however it would take 2 to 4 business days to process the payment. Navient told me that I would have to contact my bank. I called my bank and my bank advised that I had no pending transactions from Navient. So, I put a stop payment on my bank account for Navient so if they tried to process the payment it would be denied. | ||||||
| 08/08/2018 | Yes |
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| As an misinformed student about student loans, I agreed to a loan through Sallie Mae. This was the only way I could afford to attend college. I am a first generation college graduate. My mother only went through high school and my father middle school. It was my understanding, as I was earning a degree in XXXX XXXX, that my loans would be forgiven through the XXXX XXXX ( XXXX XXXX ) program. I feel as though I was mislead by the school and the loan company. After struggling with repayment, finding a job, and managing finances, I began to pay on the loan. Which at this point has more than doubled. As I was mislead again to go into forbearance until I could afford to repay the loan. Now that I have been repaying the loan going on several years. Keep in mind it started as a {$25000.00} loan and is now around {$45000.00}. During the time I could not pay they called me several times a day. They started calling my work. They even faxed my work. This was embarrassing as my boss received the fax. I was nervous that they would start harassing my work as they were harassing me several time a day as I was at work. So, at one point in default their in house collections representative called me. I spoke to them several times and on occasion they offered me a one time payoff amount which was a portion of what I owed. Of course I could not afford that which is in essence I am sure why they offered it. Skip to a couple of years later and I am paying on the loan for several years with my understanding the interest rate being .5 % for the first year. However, my loan amount was only going down in {$20.00} increment with additional fees and capitalized interest in large amounts. After selling our house I call Navient and ask them if I can still make the one time payoff. Their response was no because it is no longer offered because I was not in default. They said you have to be in default for almost a year before they would work with me. I had this conversation several times. So, I have to let my loan go into default, occur more interest, late fees, etc before anyone would work with me to get out of this debt. I even filed a complaint on here. Their response was along the lines of you agreed to the loan. Ok, so I have been paying on the loan and all of a sudden I notice the payments have stopped coming out of my " auto draft '' account. I realized they have placed me in " INSchool '' deferment without even asking me. Again to capitalize on interest I am sure. I just want to get out of this loan. | ||||||
| 11/09/2017 | Yes |
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| I signed and agreed to be on a repayment plan with Navient. We went over all the amounts and what the payment amounts were going to be. I was paying for several months and then I got an alert about negative reporting on my credit bureau. Furthermore, I was making the payments every month for the amount we agreed upon which was XXXX per month. I continued to pay this and they were reporting all of my student loan accounts as 90+ days delinquent. This caused my credit score to drop to XXXX. I had credit cards closed and credit limits lowered because of this. My wife and I were in the process of trying to purchase our first house but this has put a hault on our plans. The payment plan started on XXXX XXXX XXXX. I contacted Navient about this situation on XXXX/XXXX/XXXX and had to speak with the collection department. They informed me that it was my responsability to make sure everything was up to date. I advised her that I was under the impression that I was on a payment plan and Navient was automatically taking the money out of my account each month. Not once did they contact me and say that the payment terms that I agreed to were not correct and that my accounts were past due. Navient continued to take my payments each month and still report my accounts past due to the credit bureau. I do not feel this is right because I agreed to a payment amount and set up automatic payments and I was still being reported as past due and I would not have known unless I got an alert about my credit. Navient called me on XXXX/XXXX/XXXX and left a voicemail on my phone which I have saved. The Navient representatives 's name was XXXX and he was from the office of credit collections department. He admitted that Navient made a Mistake and that they were working on fixing the promlem. The problem has not been fixed since then and I have not recieved another phone call from them to update me about this situation. This situation put me in a bad position and was one of the determining factors that made me decide to file bankruptcy because Navient had such a negative impact on my credit that I would not have been able to get everything back on track. I hate that this happened and just want to see what my options are because the majority of my student loans are with Navient and they ruined my credit after I worked so hard to get it to an acceptable level. I have also been being charged for late fees from over a year ago and I always set up payments with Navient. So this is starting to get ridiculous. | ||||||
| 06/18/2021 | Yes |
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| The reported voluntary forbearances dates starting from XX/XX/XXXX to XX/XX/XXXX are not accurate. I was in repayment under your hardship program during this reported timeframe. I don't understand how can my status be in a Voluntary forbearance while agreed payments were automatically debited from my account under your program. My account also received late fees and capitalization line items and I am requesting more details.. Dates in question are listed below. XX/XX/XXXX : {$1300.00} ( capitalization ) XX/XX/XXXX : {$20.00} ( Late fee ) XX/XX/XXXX : {$12.00} ( Late fee ) XX/XX/XXXX : {$7.00} ( Late fee ) XX/XX/XXXX : {$10.00} ( Late fee ) XXXX/XXXX/XXXX {$10.00} ( Late fee ) XX/XX/XXXX : {$32.00} ( Capitalization ) XX/XX/XXXX : {$25.00} ( Capitalization ) Please perform a cross reference with the Forbearance postponements and the payment history that was provided by Navient. I received late fees and capitalization interest while I was still making payments that were agreed upon under Navient 's hardship program. I do not trust the integrity of the data being provided since your dates reflect different as you have responded in the previous complaints. Please clarify why there is a discrepancy in your faulty database. This definitely creates doubt of Navient 's recordkeeping. Why wasn't this discrepancy identified earlier? In the companys response, Changes to our website may cause the Disbursement transaction to reflect an initial inaccurate balance. The discrepancy is caused by the Loan Sale Entry on XX/XX/XXXX, which shouldnt appear in your history. The amount of the Loan Sale Entry ( {$29000.00} ) plus your actual disbursement ( {$4000.00} ) is incorrectly reflected on the online account history as the disbursement balance. Please clarify if the loan sale entry of $ XXXX includes $ XXXX or is the additional $ XXXX. Status History XX/XX/XXXX Status Begin Date End Date Post Date Grace ( Attached ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Repayment XX/XX/XXXX XX/XX/XXXX XXXXXXXXVoluntary Forbearance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Voluntary Forbearance XXXX XX/XX/XXXX Administrative Forbearance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Repayment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX RepaymentXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Voluntary Forbearance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Repayment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Voluntary Forbearance XX/XX/XXXX XXXX Repayment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Voluntary ForbearanceXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Repayment XX/XX/XXXX Present XX/XX/XXXX | ||||||
| 06/01/2019 | Yes |
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| Navient, 2 consolidated loans ( previous Sallie Mae ) -one grouping from Unsubsidized and one from Subsidized Federal loans including HEAL, Staffords and SLS. Two issues : First : After last payment made on my behalf by the XXXX XXXX XXXX XXXX inXX/XX/XXXX I received information stating I did not have any payments due until XX/XX/XXXX Not because I asked for a deferment or a forbearance. I did not understand interest was going to be accruing all the while, nor did they say I could CONTINUE to make the payments I had been making for years already. I was misled and not informed by Navient. Second : When I started to repay inXX/XX/XXXX up until currently, ALL of my payments have been applied to that interest that accrued from XX/XX/XXXX! So even now, all I pay is interest, for 2 consolidated loans through Navient ( former Servicer Sallie Mae ). I have paid my student loan payments EVERY MONTH. Never late. Never in default. Yet, I have paid over {$24000.00} since XX/XX/XXXX for 2 consolidated loans ALL OF WHICH HAS ONLY BEEN APPLIED TO INTEREST!!!! Now, this seems like a scam if ever I heard of one. I never asked to be on an interest only repayment plan, nor did I request a Forbearance or Deferment. There is nothing on Navient website that states I am in anything other than a standard level repayment plan, and prior to that payments I was making were going to both interest AND principle. I am contacting both the Department of Education as well as the Consumer Financial Protection Bureau because Navient willfully misled me, did not provide accurate information warning me about what they were doing, and refuse to assist me in any way. Furthermore, the intentional subterfuge being employed by Navient in making this information readily available ( ie a discount for " auto-pay '' so there is no need to LOOK at a monthly statement and statements that do not provide detail as to HOW payments are being applied ), a website that does not provide any type of information regarding amortization over the lifetime of the loan, and nothing in my " Loan Details '' that would tell me I was simply paying interest for the past 3 years strikes me as criminal. It is quite by accident that I even came upon this fact on my own while looking for ways to lower my interest rate. Please contact me immediately. Navient should be ashamed of taking advantage of busy professionals who have remained productive in the public sector while striving to stay current with their financial responsibilities. | ||||||
| 02/19/2017 | Yes |
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| In XX/XX/XXXX, after using my allotted forbearance, I was forced to begin repayment on my Navient ( formally XXXX ) private student loans. At the time, I was unable to find full-time work and I could not afford the minimum monthly payment. I called Navient numerous times in an attempt to find a solution that would n't result in default. None of the programs they offered at the time lowered my payment enough for me to afford. As the date was approaching where I would start missing my payments, I reached out again to Navient in desperation. The person I spoke to this time explained to me something I had not heard before. I was told if I do go ahead and default, other programs would become available to me through Navient. I questioned why I would have to default first to be eligible for other programs, but I was told this is the way it is. I also asked what the programs were so I could judge if it was worth defaulting for, but I was told that information could not be provided to me beforehand. With no other option available to me, I went ahead and missed multiple payments as instructed by Navient. I was then able to work with the Collections Department ( I believe that was the name of the department ) and they offered me a program called the " Interest Rate Reduction Program '' ( now simplified to " Rate Reduction Program '' ). With this program, my payments were reduced to an affordable amount by having all of my interest rates reduced to 1 %. Each year I have to reapply and my interest rate goes up, but I have been able to afford the payment and have not missed a payment since then. The problem is I was forced to miss multiple payments before being offered this program which is being reported on my credit reports. After I was on the program and making the payments, Navient continued to report my payment being late for another few months. It was described to me at the time as the payments having to catch up from the payments I missed. The date range that this is being reported is XX/XX/XXXX through XX/XX/XXXX. Since that time, my credit reports/scores have been negatively impacted by this information. I later found out from other people that I know who are also on this program with Navient ( including my sister ), that they were not required to default first. This program was available and offered to them without any negative impact to the credit reports/scores. I have attempted to dispute this information through the XXXX credit bureaus and with Navient with no luck. | ||||||
| 09/07/2021 | Yes |
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| Dept. of Ed/Navient is reporting unverified student loan accounts on my credit report. I initially contacted them, in writing ( see Attachments ), and requested proof ( documents bearing my signature ), that the accounts belonged to me because I have not personally not conducted any business with any of the parties involved in this debt, and know this debt does not belong to me. Navient responded to my request for a signature bearing document with a letter ( See attachments ) stating they no longer service the loan and that it was being serviced by another company called Default Services Group. When I contacted the Default Resources group to try and resolve the issue they referred me to a debt collection company called XXXX XXXX XXXX. I have attempted to contact XXXX XXXX XXXX but as of yet have not received a response. Information reported by the 3 major Credit Bureaus in regards to the accounts on my credit file vary greatly from one agency to the next and makes it very difficult to trust the validity and accuracy of the information provided by the Dept. of Ed/Navient, and the three credit reporting agencies. ( XXXX, XXXX, and XXXX ) Case in point my credit reports from XXXX, XXXX, and XXXX shows the payment history of the Dept. of Ed/Navient accounts going from being OK to being 90 days late from XXXX. This is also the period of time where the account was being handled by a Default Services Group ( since XXXX ), and/or XXXX XXXX XXXX, and was no longer being serviced by Dept. of Ed/Navient ( see Attachments ). Also the dates and amounts reported to the 3 Credit Bureaus vary depending on which agency is reporting. This serves as proof the information being reported on my credit report is not accurate nor is being properly verified and the law is very clear on this matter and states that information reported on a credit report MUST be ACCURATE. In this case the information is not. Yet these unverified accounts remain on my credit report in violation of both the FCRA ( Fair Credit Reporting Act ). All of these discrepancies serve as proof the information being reported on my credit report is not accurate, nor is it being properly verified by in accordance with the law and needs to be removed. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. The practices of the aforementioned companies are highly predatory and violate the FCRA ( Fair Credit Reporting Act ). | ||||||
| 12/29/2020 | Yes |
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| On XX/XX/XXXX I received two emails stating that my payment schedule had changed for my income-based repayment plan, which I was under the impression would not expire until XXXX of XXXX. I logged into my inbox and found two documents explaining how my payment schedule would change and how much my monthly payment would increase although neither explained why this was happening. On XX/XX/XXXX I called Navient to verify why this was happening. The representative told me my XXXX plan expired on XX/XX/XXXX although unable to state why it had expired. The rep asked me 4-5 questions for a pre-approval in order to renew the plan and emailed me the link for the remaining information. Our call was disconnected early. I called back and the 2nd rep told me my current XXXX plan was active until XX/XX/XXXX and not too worry about the increased payment. On XX/XX/XXXX I called Navient again to verify if my XXXX plan was current or expired. The rep informed me that the extra payments I made during the past 6 months had pushed the payment schedule ahead and the system automatically expired the plan. She said she could rectify this issue and to check back in 24-48 hours to verify the changes. I was under the impression my monthly payment and schedule would reflect the same amount for my XXXX XXXX plan. On XX/XX/XXXX I called Navient to ask why the above changes were not reflected in my online account. The rep did not appear to have information to the above call. After approximately 40min on the phone he told me he could have the situation rectified and to check back in 24-48 hours to verify the changes. I asked to cancel the recertification of my plan since I wanted to remain in my current plan. He mentioned since we were so close to my XXXX due date ( the 5th of each month ) it was likely that the changes were unable to be made by this XXXX and I would be paying the increased amount. He assured me this payment would continue to be counted within my XXXX XXXX plan. As of XX/XX/XXXX I do not have a resolution to this issue. Navient does not appear to be training or supporting their customer support team in order to identify and rectify these issues. Navient 's online system appears to be set up to discriminate against extra payments made or other actions taken to pay back loans more efficiently. I have been paying my school loans through Navient for 8.5 years now and have had many conflicts. It appears as a whole they are largely unregulated and not held accountable for their actions. | ||||||
| 06/07/2017 | Yes |
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| I called Navient to obtain 12 months of my payment history in order to obtain a mortgage. There is a new rule that states if there is a co-signer on a loan who made payments for 12 months and you can show that proof then this amount is not factored into your debt to income ratio. It is a very important step in the mortgage process especially for a first time home buyer with student loan debt. When I called Navient the first time for thi s payment history ( since there is no way to obtain this information in my online account ) they were wrong about my payment history and in fact could not tell me who paid my loans. The next time I called Navient th ey told me that they could write me a letter because they could not provide copies of the checks that were sent to them each month that they processed as payments on my loans. However, after speaking to 3 levels of customer service, Navient informed me that the letter could only be sent by US mail in 7-14 business days. This is an ABSURD amount of time for someone involved in the mortgage/underwriting process and attempting to close on a home within 30 days. Navient told me that they could not email me the letter. Compare this to other government lenders who have mortgage letters readily available on the online portal accessible immediately. THEN, a week later I needed to contact Navient for a copy of my original promissory notes. AND THEY SENT THE WRONG PROMISSORY NO TES. I only have XXXX active loans in repayment w ith Navient. Ye t, they did not even send me the correct information. THEN, after they " found '' my original promissory notes for the XXXX loans the estimated time to send me the documents was by XXXX XXXX XXXX when I called on XXXX XXXX XXXX . Why is n't the original master promissory note attached to my account and on file and readily accessible? More than 2 months for a routine document necessary to provide to an underwriter to obtain a mortgage is UNREASONABLE. Navient has the ability to prevent me from obtaining a mortgage that I am otherwise qualified to obtain SOLELY because of their inability to provide me with documentation associated with my account, which is current and historically paid on time. If Navient can not provide adeq uate and accurate information within a reasonable time period to its customers then they should not be in business and should be shut down for unfair and deceptive business practices, misleading customers and unduly withholding customer information. | ||||||
| 01/20/2017 | Yes |
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| For years I have had issues with XXXX XXXX, which later became Navient. One of the first statements I received from them was a garbage printout of seemingly random numbers and letters where my loan info should have been. I had several Loans with the company ( then XXXX XXXX ) and each had its own collection amount and a different due date. When I called to speak with a representative, they would only confirm XXXX of loans ( direct subsidized paired with an unsubsidized ), but would not confirm any other loans which i was receiving mail for. I decided to Consolidate all of my loans through XXXX XXXX, since i was familiar with their billing, and had no issues with that company. Somehow XXXX XXXX re-acquired the consolidated loan. I tried to file for financial hardship deferment and an income based repayment ; both of which were either lost or not completed by XXXX XXXX. When I consolidated my loans, I was made aware that my Private loan would not be included in the consolidation. XXXX XXXX also [ conveniently ] neglected to tell me about XXXX of my XXXX loans. Leaving me with a large consolidated loan, a private loan, and a third loan. I have since repaid my Private Loan, and I now have XXXX loans, under XXXX different Navient " Accounts ''. Their website will only allow me to access one of these pairs, but they send me paper bills in the mail for both. I have repeatedly complained and tried to get my accounts merged ; for a while I was n't sure if I was being scammed by a fake " XXXX XXXX '' / '' Navient '' and their operators are no help either. If a representative calls me about XXXX loan, they have no info or visibility of the other loan. This is very frustrating. Today I received my XXXX form and it has the wrong social security number on it! If this company ( now Navient ) can not properly maintain my social security information, which is a number that does not change, how can I trust that they are accurately maintaining my account [ that has variable numbers ]. I understand that Navient " being disorganized '' is not a reason to file a lawsuit, but I have serious concern and feel that this company has not only provided me with inaccurate and deceptive information, time and again ; but also that they purposely kept me from consolidating [ all of my loans ], and switching loan servicers, and also kept me from getting a needed deferment when I lost my job and also kept me from filing/ completing an income based repayment plan. Please look into this company 's practices. | ||||||
| 06/14/2020 | Yes |
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| Navient is my loan servicer company who I signed up with them in conjunction with a company who is being sued for their illegal practices, the loan they are asking money for is from a school that defrauded me and all of its students the school was called XXXX University a brand of XXXX college. I contacted the department of education because I was defrauded by this school I applied for borrow defense and loan forgiveness I sent Navient a certified letter letting them know they need to contact the department of education in regards to my account, Navient never contacted them. I received notice from the department of education that I have been approved for loan forgiveness because it is a fact and has been proven that that XXXX University committed several crimes and defrauded students and that also the department of education issued predatory loans to students under false pretenses because the schools were proven in court not legitimate and the department of education did illegal things that is why they are being sued as well. Anyway I am writing you because Navient is harassing me and trying to collect money on a fraudulent school loan and you can not do that and Navients practices are illegal considering their is a lawsuit going on with the company that signed me up with them as well as the department of education. I do not want them affecting my credit and harassing me I have the proof of the loan forgiveness now wether Navient likes it or not they have to accept the loan has been forgiven and Navient has no claim to collect on a fraudulent school and it is illegal for Navient to try to collect money in that fashion when it has been proven that the school was a fraud. Also the highlight is that Navient is associated with companies that do loan repayments and those companies are being sued as well. My question is why you allow Navient to continue to operate when they have been sued already for their illegal practices? Navient changes nothing they victimize students trying to go to school to have a better life and that is digusting that nothing has been done with them and they are allowed to prey on people. Please do something! I have proof that my loan was forgiven and I have a receipt from certified mail that I sent Navient to tell them about my account and to contact department of education. I also have a copy from the department of education saying my loan was forgiven. But Navient still continues to harass me which is illegal considering the recent change in events. | ||||||
| 08/21/2018 | Yes |
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| During the month of XX/XX/2018 Navient reported to the credit bureaus $ XXXX balance and late 90 days. During the month of XXXX, I called in to report my loss of income and could no-longer make the payments. I was told I would get a payment reduction plan {$0.00} payment. Navient has note of the conversation but then stated they never offered me a payment reduction plan. I expressed to 3 supervisors and 4 associates this inconsistency in communications has now affected my current resident agreement. The reporting had caused my credit score to drop 73 points. I then tried to make the payments in hope to rectify the incorrect reporting but nothing happened or a response to my issue. I then spoke with a representative whom stated I should send a letter to dispute the incorrect reporting and request a reversal. The rep. also would note my account to get the reporting reversed. I called the number provided to the department and no one called me back after 5 messages I left. No one ever picked up the phone for the ONLY department that deals with credit reporting or reversal. The letter arrived and uploaded to my account which I could view. I spoke with the same rep. whom stated my case was pending. The letter was removed from my account after a week and no rep seem to have any information regarding the letter of dispute being on file. I made additional payment, which I was in no financial position to do and still no response from the department regarding my dispute. All three supervisors were very rude and dismissive of the severity of my case. One supervisor repeated himself over and over when I asked for a manager, another manager stated I need a COURT ORDER to retrieve the phone conversations I've had, the last supervisor said there is no need to discuss it further because there was nothing that department could do but transfer me back to the department that was unresponsive. The supervisor team were less helpful than the representative. I've never felt more abused and disregarded in customer service than I have with Navient. Due to this awful experienced I was forced to vacate my residence. The lack of responsive of customer complaints are none at all. Navient is a horrible company and I will advise all to finance with another lender if possible as they change the rates, payment agreements and do not respond to questions, concerns or complaints. Please shut them down. An organization like this should not be in business, especially dealing with students finances and credit. | ||||||
| 08/04/2017 | Yes |
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| I am writing in regards to a private loan that is reporting incorrectly on my credit files/reports. On at least one occasion I have disputed the validity of the information being reported for this account and the dispute always comes back as unchanged and the account information being reported has been verified. The issue was clarified in the XX/XX/XXXX amendments to the FCRA, which set a specific starting date that is now SET BY LAW as the last deliqency date, and not later dates, such as a DOLP. FCRA Section 605 : ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Late Payments - Seven years from the month in which the late payment was due. If there are multiple late payments in one account item, then they will each expire individually. Charge-Offs - Seven years. The time runs from the date of the delinquency, plus 180 days. For example, if a payment was due on an account on XX/XX/XXXX, but the debtor defaulted, and never caught up to become current again, and the account is eventually declared a charge-off by the creditor, then the seven years reporting time limit starts running on XX/XX/XXXX, with the item scheduled to expire from his/her credit reports on XX/XX/XXXX. I have attached paperwork directly from the Navient website that clearly shows the first late on this account occurred on/around XX/XX/XXXX, but my credit files are reporting that there was n't a late on the account until XX/XX/XXXX. This erroneous entry showing an incorrect date of first delinquency is detrimental to my overall credit rating and has caused me severe financial and emotional distress. My question now is how was this investigation conducted to confirm that what is currently being reported is accurate? A template response to my complaint at this point will not be acceptable. This account is not only being in-accurately reported but is also past the reporting limits based on the Fair Credit Reporting Act. If this situation is n't immediately rectified I will be forced to take further legal actions. | ||||||
| 01/07/2020 | Yes |
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| I have 12 student loans that are serviced by Navient. On my credit report it shows 90 days late for 12 accounts. As you can imagine this has very adversely effected my credit score and future endeavors. It shows 90 days late in XXXX, XXXX and XXXX of XXXX. These payments were to have been in " in school deferral '' as I was enrolled in XXXX XXXX University at XXXX and also accepted into XXXX College finishing my XXXX certificate. There was not a 6 month lapse in my enrollment during any of these transfers. I finished one semester in XXXX of XXXX ( attached statement for the classes ) and was enrolled in XXXX College to pursue my XXXX XXXX by XXXX of XXXX. I have contacted this company several times in XXXX ( XXXX, XXXX and again in XXXX ) and also in XXXX of XXXX concerning this matter. These should not be reported as late pays on my credit report, I was enrolled in school and also well within the 6 month deferral period before I was transferred. I asked for these to be removed and sent requests via dispute the credit agencies, but yet nothing was done and these are currently very adversely effecting my credit score. The agency when I was done with school ( between my bachelors and certification, and also the year I took off to have my son ) would push me into deferrals when I was attempting to do an IBR plan so that I could begin making headway on this debt and after several attempts I am now in an IBR plan. I request again that these negative reports are removed from my credit report on ALL 12 accounts. I do have dated acceptance letters from the college ( XX/XX/XXXX for XXXX and XX/XX/XXXX for acceptance into the fast track program at XXXX College ) I also have a statement dated XX/XX/XXXX for the payment of my fall semester ( XX/XX/XXXX-XX/XX/XXXX ) to XXXX. I request that this be removed from my credit report as late pays and adjusted as current for these time periods as accordingly to the facts of the matter. I also request that any late fees be adjusted to the loans for this time period. As stated I requested IBR for several years as to get started on payment of these loans and was told to do deferral instead, and now I am five years after first requesting it in an IBR plan and when running my credit for a home purchase discover these late pays that were incorrectly reported and again are VERY adversely effecting my credit score and future. Thank you so much for an assistance in this matter and please let me know if I need to forward any of the information. | ||||||
| 01/18/2017 | Yes |
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| Navient is incorrectly reporting loan lates. Forbearance/Deferrements were granted in the past, and on my credit reports, I am noticing late payments cited on the following months : XXXX - 90 days late ( Under Forbearance, no payment made, no prior lates noted and suddenly a 90 day late mark, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - XXXX - ( No reporting whatsoever, inaccurate reporting ) XXXX - 90 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting ) XXXX - 90 days late ( Under Forebearance, note, no payment made, in forbearance status, no prior lates reported, inaccurate reporting ) XXXX - 120 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 150 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - XXXX - No loans reported at all XXXX - 90 days late, In Loan Rehab - Inaccurate reporting XXXX - 120 days late, in loan rehab, inaccurate reporting XXXX - 150 days late, in loan rehab, inaccurate reporting XXXX - 180 days late, in loan rehab, inaccurate reporting XXXX - XXXX - Accurately reporting in rehab status XXXX - Present, no loan reporting, current in deferrment, enrolled in school, starting XXXX. Also, inaccurate reporting. Due to these countless inaccuracies, I have formally requested in writing from Navient to remove these late marks, and correct these marks that are causing me financial harm. I requested them to initially correct these errors, and was told they had not made any mistakes, and that the FCRA act denies them the ability to make these changes. This is factually incorrect, on multiple levels. Please assist me in recovery of the damage this has caused my creditworthiness. | ||||||
| 11/25/2019 | Yes |
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| I am an individual currently in XXXX school. I have been switching between being a part-time ( 6 credits ) and a below part-time ( 3 credits ) student starting in XXXX of XXXX. I have been attending the University of XXXX XXXX XXXX, but have not take out any new loans for school. This is related to my older loans from receiving my XXXX degree and are in the repayment process. Several times now I have been in a period of interest forgiveness on my subsidized loans due to being in school part time. When I switch to below part-time I should be charged interest on my subsidized loans, I get that. The loan servicer keeps adding " Capitalized Interest '' amounts to my loan balance as a back charge for time spent below full time, even though it is during semesters where I was enrolled above full time. This happened on XX/XX/XXXX, which was the most charged and should have included 6 months of interest forgiveness on my subsidized loan as I had graduated XXXX of XXXX with my XXXX. It also happened on XX/XX/XXXX even though I was enrolled as a 6 credit student for the Fall XXXX semester. It also happened on XX/XX/XXXX even though I was a 6 credit student during the summer semester which ended in XXXX of XXXX. Each time this happened I called them to dispute. They always say it is based on the dates my school reports to the government on when I was a part-time student and I have to reach out to my school to update them. I reached out to my school, the confirm they have put the correct dates in the system. Navient won't budge, and now I am on the hook for hundreds of dollars in capitalized interest that should have been forgiven and I am also paying interest on that interest. Navient in no way shape or form notified me before adding these charges to my account, they just did it. They never provide an explanation of where the capitalized interest is coming from ( ie what dates it is covering ), and they just tack it on to the first statement after they apply it. This is an extremely unfair practice and I feel I am being overcharged by my loan servicer related monies that should have been forgiven. I will also make it clear that not only do I pay my loans, I actually overpay them even when they are in forbearance. There should be little to no interest on a monthly basis due to me paying them down every month. I can not wait to pay these loans off next year so I can be done with them, but everyone needs to be aware of Navient 's unfair and deceptive lending practices. | ||||||
| 01/25/2017 | Yes |
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| For the past three months, I have been forced by my student loan servicer, Navient, to make a {$50.00} payment ( each month ) on a loan that I had recently paid off in full ( on XXXX/XXXX/16 ). The reason why I am paying each month is because I missed one payment and it significantly lowered my credit score ( which I work very hard to keep up ). I missed that one payment because Navient added the loan back on to my account WITHOUT notifying me. It is important to note here, that I have ALWAYS been enrolled in auto debit. The auto debit on this particular loan was CANCELLED due to the fact that I had previously paid it off in full ( I have the documents sent from Navient to prove this ). I called Navient multiple times ( wasted hours on the phone with many different representatives ) trying to get to the bottom of why a loan was still listed on my account ( as well as still accruing interest! ) when I had already paid it off. I was told that there had been a " payment reversal '' and that I should check with my bank. Having checked with my bank, ( I even uploaded pictures of my bank statements to Navient ) I tried to explain that clearly there was never any " reversal ''. I never got any money back. What was even stranger, was that there are a whole bunch of payments and reversals listed on my account that I had never been a part of! Navient claims that I was given back roughly {$7000.00} and had paid around {$12000.00}. I told one rep that I had done no such thing and asked him to explain all of that to me and he told me that the payment was paid to a loan that we both agreed was not even one of my loans listed! With that being said, nothing could get done about it. Each time I called, they told me that " it was being investigated ''. It has been three months now! How many more months do I have to keep paying for a loan that I already paid off?! It does n't sound like anyone at Navient is looking into my account and I am very nervous about all the money being moved around when I am not even touching it. I work hard to save my money up so that I can make a large payment every now and then ( that seems to be the only way that I am able to make a dent in my balance ) but, I am too scared to make any more payments on my loans because of this issue repeating itself! I really want to finish paying off the rest of my loans as soon as I can. I find it incredibly frustrating that I have reached out several times to Navient about this and all they want is the {$50.00} payment. | ||||||
| 04/16/2016 | Yes |
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| First contacted XXXX XXXX and XXXX XXXX XXXX in 2006 about daughter needing money to finish XXXX quarter. Before I signed as a cosigner on XXXX XXXX loan, I had a three way conversation with XXXX XXXX, the school and myself. Found out what she needed and expressed my wants to have the school paid directly with the monies, not to XXXX, XXXX XXXX Rep told me on the phone, it would be done. The following fall, XXXX my daughter did n't return to school, stated she did n't get enough financial help. Two years pass and I get a late notice on monthly payment, then I was told by her brother the reason of not returning to school was that she requested the loan to be sent to her after the original agreement and spent the monies. To verify that I call the financial aid dept. and they said that from the phone conversation in the beginning they waited on the funds but never got that check from XXXX XXXX as agreed. Since that time XXXX, because of being primary has put loan in forbearance, change email addresses for contact and not paid on the loan just to cause issues with me and my credit. I have take her to court 3 times, won the decision that she owes the money and she has told the judge 3 times she does n't owe it and spent the money and I owe it. Because of her owing money to everyone she does n't have anything in her name, just her husbands name. They have a new home, she drives a XXXX Chevrolet Tahoe, her husband works for XXXX, she bragged about how much money he makes and she works and gets paid cash so nothing shows up. She graduated from XXXX, and still pays this payment irregular so it messes up my credit. This last XXXX from what I was told when Navient, the new servicer contacted me in XXXX, she was 90 days late on the payment. They waited 90 days to contact me and it knock my credit rating down almost XXXX points to XXXX. XXXX does n't care because this is a game she plays knowingly that effects my credit because now since I had to retired, by monthly taxable income is {$190.00}. Navient calls me 3 to 4 times daily and sends me emails. When I talk to them and tell them that I cant afford to pay this amount and why do n't they contact her they say they have but contact me more because I am cosigner and then start making threat to me what they are going to do to me financially. XXXX does this to ruin my credit, I should have listen to my son back in 2006 and not signed this. I have tried to contact the Ombudsman department at Navient to resolve this but not response | ||||||
| 05/04/2022 | Yes |
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| In XXXX, I originally had XXXX student loans that were part of the federal student loan program. Unbeknown to me, at some point, Congress privatized my loans, and they were taken over by Navient. After recently checking my credit report, I discovered one 90-day late payment for XX/XX/XXXX, but the payment for all the months prior reflected as current. I was under the impression that these loans were automatically included in the provisions to have student loan payments paused under the CARES Act. After speaking with two different Navient customer service representatives on XXXX, I was informed that these two loans were not covered under the CARES Act, and instead, they had been put into suspension under a Student Debt Burden Forbearance. I was also informed that this forbearance was back dated to cover whatever 90-day late payment listed on my credit reports, as if it was never late. Both customer service representatives refused to removed the inaccurate 90 day late payment from my credit report, even by reflection of what they reported, there was no 90 day late payment. This negative 90 day mark on my credit reports is causing me even more undue and unnecessary hardship during this pandemic that our nation is facing. My provisions and protections under the CARES Act have been violated. After the unwillingness of Navient to comply, I also disputed this information directly with the credit bureaus, and Navient was said to have verified and updated the information, but the XXXX late payment remains. The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ). This new FCRA subparagraph provides protections only if a creditor approves a consumer for an accommodation. An accommodation is an agreement for a forbearance, a payment deferral, a partial payment agreement, a loan modification, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( i ) ( I ). I was accommodated when the payments were put in its deferred status, and Navient did not delete the negative mark from my credit report. They only commented that the payments are deferred until XX/XX/XXXX. I demand that Navient remove the 90 late payment mark from XX/XX/XXXX, and show it as " ok '' and current. | ||||||
| 02/02/2021 | Yes |
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| I received a letter from Pioneer/XXXXXXXX about a delinquent school loan that was owned by XXXX. I recently reached out to XXXX about 2 loans that are being reported on my credit report. These loans are being reported as late/delinquent as of XX/XX/XXXX in the amount of {$28000.00} and {$36000.00} with a loan open date of XX/XX/XXXX. I received a call from XXXX @ XXXX XXXX on XX/XX/XXXX at XXXX. XXXX stated they received my request for debt validation and proof of legal ownership to collect on a debt. XXXX informed me that they only keep statements/documents for up to a year and at this time they dont have any statements or paperwork to send me. XXXX informed me that I do not owe them anything and my account has been transferred to Pioneer/XXXX as of XX/XX/XXXX. I informed XXXX that XXXX is still reporting on my credit as of XX/XX/XXXX. XXXX stated that XXXX is no longer reporting and to send him a copy of my Credit Report. I informed him I provided XXXX a copy on my last CFPB complaint. XXXX stated XXXX credit department will handle that and there is no one I could be transferred to in that Department. Going back to Pioneer I recently received a letter stating they are trying to collect on a delinquent student loan debt. Pioneer mailed this letter to a old address in XXXX Michigan. The letter contained no Date. The letter stated they are trying to collect on a debt on the Full amount of {$130000.00}. I have no idea why I owe this debt. I sent Pioneer a debt validation letter on XX/XX/XXXX informing them I am requesting a detailed statement of this debt and interest I owe a legal standing to collect this debt by showing me : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the debt ; with my ink signature. I am very confused to why XXXX is reporting one debt to the Credit bureaus when they informed me they dont have any paperwork to why I owe them a debt but then they are able to validate with the Credit bureaus that I owe them a debt they dont own. I believe that XXXX has sold/given my information to Pioneer since they couldnt supply a validation of debt. Pioneer has stated calling me to collect on a delinquent debt that I know nothing about. No one want to provide me with any correct information. I am unable to find suitable employment because of this credit blemish. I am unable to obtain credit because of this credit blemish. | ||||||
| 06/08/2020 | Yes |
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| I have been on an Income Based Repayment Plan ( IBR ) since XXXX. In XX/XX/XXXX I received notification that my student loan monthly payment amount would be changing, from Navient my student loan servicer. The new payment amount was increasing to {$700.00} a month, beginning XX/XX/XXXX. I made the XXXX payment on time and submitted an Electronic Income Driven Repayment Application on XX/XX/XXXX to assess the reduction of the monthly payment amount. On XX/XX/XXXX I received notification from Navient they were not able to approve the IBR request stating " Based on the documentation you provided, your financial circumstances do not meet the federal definition of partial financial hardship required for Income-Based Repayment. '' On XX/XX/XXXX I called Navient and spoke to customer assistance to inquire what repayment plan I was currently on. I was informed I was on the IBR Plan. Confused as to how that could be, since I received notification from them a month prior that I was denied approval of the IBR plan, I asked how my monthly payment was calculated. I was informed it was calculated based on the IBR application I had submitted. I advised them I was denied for the IBR and would like an explanation of how my monthly payment was calculated. I was then informed it was calculated based on a standard repayment and I would be paying {$700.00} for 153 months and {$360.00} for 63 months. I asked what year I would be eligible for loan forgiveness, after having paid 25 years on the loan and was told in the year XXXX. I then asked if I were to change to a Standard Repayment plan what year would I have my loans paid off, since my monthly payment was calculated based on that plan type anyway, and was told in year XXXX. I then asked very pointedly " Why wouldn't you inform your customers previously on an XXXX plan, whom were denied after reapplying, that they would pay less overall by changing to the standard repayment plan, since you are calculating their payment based on the standard repayment plan anyway? '' If I were to stay on the XXXX plan, even though I was denied, I would end up paying an additional 48 months, equating to {$17000.00} MORE than what I would pay if I moved to a Standard Repayment Plan. Navient is not looking out for the best interest of their borrowers. They are being deceptive in their practices by not providing thorough information to their borrowers, which in many cases will result in the borrow paying more money than necessary on their student loans. | ||||||
| 09/10/2018 | Yes |
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| On XX/XX/2017 I applied to consolidate my student loans to qualify for Public Service Loan Forgiveness as I have been working for a nonprofit for over 3 years and none of my prior payments are eligible. In addition I changed my contact email and address with the reprensentative. The same day I COMPLETE both the consolidation and income driven repayment plan ( REPAYE ) on XX/XX/XXXX and it estimated my payments of {$0.00} per month. Navient, sent me a confirmation email on XX/XX/XXXX to the UPDATED email address. In XXXX. I called because I hadn't received information on the status of my consolidation and my IDR and was told that it was still processing. Late XXXX I received an letter stating my consolidation was approved. Fast forward 6 months, XX/XX/XXXX and I received a email from Navient ( to the correct email ) stating that my student loans were past due and asking me to reply YES to a forbearance. I replied yes and immediately pulled my credit report and called Navient. They had reported on my credit report that I was past due as of XXXX. I spoke with a Representative who informed me that my IDR wasnt processed and my bills were available through my online account. I asked her why would they NOT email me to inform me of this, yet they emailed me about a forberance so they clearly had my email address. I also let her know how time sensitive and unfair how much this is affecting my life. She advised me that I would have to recomplete a new IDR application and also advised me that I would have to send a letter to the dispute team to get the negative removed from my credit report. I let her know that I did not want a forberance through XXXX as I am prepared to make any upcoming payments and that I would recomplete the application and send in documents to the dispute team. She told to me call back in a week to verify the dispute team received my request. I called back a week letter and they had not " recieved '' or logged the document in the system. The next rep advised me to call back in a week. Today a week later a called again and the rep told me the same thing, ' that they had not received it as of yet " and he also told me that the forbearance through XXXX is a courtesy and if I want to start repaying next month I can but that it takes 21 days to process new IBR application. They also told me they could not speak to someone in the disputes department about this unfair error and I have to wait until they received my letter even though I sent it over 2 weeks ago. | ||||||
| 04/20/2022 | Yes |
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| I have federal student loans, initially with Sallie Mae, then Navient, not XXXX. In high school XXXX XXXX XXXX XXXX, I was repeatedly pulled out of class to hear from a third party representative about federal student loans and filling out a XXXX form. From my perspective, it seemed that all students pulled into these presentations were high-performing, low-income students. I was told by counselors, teachers, and the representative that all student debt was a " good debt '' and an " investment in my future ''. I was told not to worry about the amount I take out, as I would be able to consolidate the loans and have a " manageable payment ''. I do not know where this third party came from, but I believe this was a predatory act by federal loan servicers and that my high school was prioritizing numbers ( % of grads attending college ) over my wellbeing. Through the years, I have paid over {$14000.00} toward my federal debt. {$4000.00} of this has been applied to my principal. The amount I borrowed was about {$20000.00}. My current balance is over {$25000.00}. From XXXX, I consistently made my monthly payment, however {$0.00} were applied to my principal balance. I set up this repayment plan at a time when, if I was on XXXX, my monthly payment would have exceeded an amount that I could afford to pay. I was offered an alternate payment plan that I could afford, which is the one I've described where my principal balance increased by {$5000.00} over the course of 6 years. It was not explained to me at the time that this payment plan would set me up to perpetually experience more debt rather than work towards repayment. I believe I was taken advantage of by the student loan servicing companies. I feel as if my situation, because I did not experience forbearance or missed payments, is slipping between the cracks through the current and ongoing lawsuits and legal changes. Also that the misleading marketing about federal loans that I experienced came from an unknown third party at my high school. I truly believe that, as a low-income student with parents who did not graduate college, I was misled and taken advantage of by the federal student loan system. I'm not sure what you can do with this information but I felt I needed to share my situation as I continuously see news about potential relief and successful lawsuits that provide relief and support to people who have been similarly taken advantage of by this system. There must be others who share these experiences. | ||||||
| 02/02/2021 | Yes |
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| I was part of a class action lawsuit against XXXX XXXX and I was awarded a letter that my student loans were cancelled per case XXXX XX/XX/2020 I have opened several disputes with XXXX and I am not getting any feed back and they are not looking at the order I sent over a copy of this for them Then I reached out to Navient, and they refused to give me a good physical address to send over a coy of the court order the representative I was speaking to was XXXX XXXX XXXX XXXX XXXX XXXX A representative will be with you shortly. XXXX XXXX.XXXX XXXX is joining the chat. XXXX XXXX XXXX XXXX.Hi, my name is XXXX from Navient, how may I be any of assistance for you today please? XXXX XXXX XXXX XXXX.Hello XXXX XXXX XXXX.are you a real person or A.I.? XXXX XXXX XXXX XXXX.I am a real person, how may I help you today please? XXXX XXXX XXXX XXXXok I have a case number XXXX that discharges all of my student loans as of XX/XX/2020 I am looking for a good address and email address to send over a copy of the court discharge because this is still showing up on my credit report XXXX XXXX XXXX XXXXOkay, before I can assist you with any request, I do have to ask for a good contact telephone number for your account please. XXXX XXXX XXXX XXXX XXXX XXXX.what is a good email address to send over a copy of my discharge XXXX XXXX XXXX XXXX.Thank you, I will need to ask you to help contact you more efficiently, may Navient and its subsidiaries, affiliates and agents contact you at this number using an auto dialer or pre-recorded messages regarding your current or future accounts? XXXX XXXX XXXX XXXXthere is no reason for future contaxct all myloans have been discharged XXXX XXXX.I need a good email address and good physical address XXXX XXXX XXXX XXXX.I apologize, but I do need a clear yes or no to contact your cell phone number please. XXXX XXXX XXXX XXXX.sure yes XXXX XXXX XXXX XXXX.To help contact you more efficiently, may Navient and its subsidiaries, affiliates and agents send text messages to you at this number using an auto dialer regarding your current or future accounts? XXXX XXXX XXXX XXXX.now what is a good email address and a good physical address XXXX XXXX.thats ok I will have my attorney contact you and screen shot this conversation of you avoiding my questions XXXX XXXX XXXX XXXX.Thank you, unfortunately, I can not assist you in this chat with any questions about your loans. You will need to call the charged off department at XXXX. Do you have any other questions today? | ||||||
| 04/04/2017 | Yes |
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| I paid off my loans with XXXX XXXX nka Navient in XX/XX/XXXX, after requesting and being provided a full payoff amount. I 've come to understand that Navient added a balance to my loans AFTER they were paid to XXXX. I was even sent a satisfaction letter confirming my loans were paid in full. They claimed a payment was misapplied to my account in XX/XX/XXXX, but they did n't catch it until after my loans were paid off. Not only that, after sending me a satisfaction letter, they NEVER sent me any correspondence indicating they added a balance back to my account. This egregious error was by their own hands. At a minimum, I should 've been officially notified of their error, especially since I have a letter from them stating my loans are paid in full. I called to Navient to address this towards then XX/XX/XXXX as this debt appeared on a credit report that was run on me as my wife and I are buying a house Someone at Navient told me, and this is a recorded convo, after I told my story, that Navient was in the wrong, and my account was going to be cleared of any liability, and to expect paperwork in the mail to that effect. This recording would be available in a subpoena situation. Apparently, I was lied to directly. I followed back up after a month of not having heard anything or getting anything in the mail, and was told " the person that told me that was wrong. '' I ca n't begin to describe my anger. I went through mindless appeals processes. The appeal is as follows : An agent of Navient, someone within the " Office of the Customer Advocate '' blindly makes my case to the FSA, on my behalf. Yes, that 's correct. Navient wronged me twice, blatantly mismanaged my account and misled me in the process, and the way I dispute this is put my faith in a Navient employee to appeal to the FSA in my favor. XXXX! And I 'm not even allowed to review the case she 's going to present on my behalf before its made. This whole experience has been like a bad dream. After their review, it was determined they 'd be willing to waive the " interest '' accrued to date. To me, while its something, its not good enough. The fact they 're willing to waive the interest means they 're admitting that they were in the wrong. And considering how it was handled on their part, and the fact I was lied to when told Navient would clear me of any liability, suggests to me they should take full responsibility for the remaining debt. We 're talking about {$530.00} here. Navient should do the right thing. | ||||||
| 09/26/2017 | Yes |
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| I am a mother of a XXXX year old and XXXX XXXX XXXX XXXX. I had a payment of XXXX dollars a month. I am a working mother and almost all my pay check goes to my children, and insurance and rent for our house and food. Not to mention, gas, credit cards and other circumstance. This does not include my XXXX XXXX XXXX loans, nor my other loan I have through XXXX. This also does not include my husbands loans he has to pay either. He is a XXXX and already does not make that much. A few months ago, I had had enough so I called to get my private loan payment lowered. The loan payment keeps changing, keeps getting more and more. They seem to keep upping the interest rate. After a 2 day stand off with Navient I finally reached someone to help me and get the payment lowered to XXXX a month for 12 months. Not much relief but still it was something. I had 2 days of yelling at the loan associate and having my co-signer call to make a financial statement. I do n't feel I have to yell at someone to get help, especially since I am willing to pay back my dept, I just need a little relief so my kid can enjoy food once and a while. I got XXXX again with my XXXX child in XXXX. I called them at the end of XXXX to see if I could pros-pone my payments until after XXXX XXXX. I only get 60 % of my salary. I have to pay my bills, I have to pay for things for my child, and XXXX is coming up. The loan associate said I had already used the 12 month no payment 5 years ago, with my XXXX child and there was no way to do it again. Not even just for 2 months. She then suggested I just not pay my loan payment for 2 months, but this would make the payment past due. I do not think it is logical for someone to just not pay their payment, go past due and then deal with the repercussions later. Not to mention the strain this could put on your credit. Why not have more options for private loans, so mothers, fathers and kids coming out of college can live. Why not make it easier for them to make their payments. Then there would not be this head ache. People would be happier and maybe not so depressed. It is so hard to get private loan payments lowered and postponed. I have to call at least 5 times to get someone to help me or yell at some poor loan associate. So thanks Nanvient for making XXXX XXXX that much harder. Thank you for making my kids XXXX that much more miserable. Thank you for putting more of a burden on me. You could n't go without your money for 2 months. You poor rich loan company. | ||||||
| 02/09/2017 | Yes |
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| I have a Student Loan through XXXX XXXX which later sold my loan to Navient. Both companies saw that I was paying extra towards my monthly statements I did so with the intentions to pay off my loan quicker. They never allocated my extra money toward my principal and It never reflected in my current balance.I noticed that my balance had never seemed to move when I started paying down on my loan XX/XX/XXXX/XX/XX/XXXX, to this current date. Navient took my extra payments and put them towards a pay ahead schedule, I was never told about ta pay ahead program. When I called into Navient about why my balance due kept changing and sometime said that I owed NOTHING, that was when a rep told me that I was paying ahead so I was months over paid on my account. I asked her ; how can I get Navient to put my extra money towards my principal ... I was told to write a letter and tell them and continue to pay online. It made no sense at all how would the letter arrive the same time as my online payment, needless to say no response and no extra money reflected in my balance. When I contacted a costumer representative they could not explain to me why they were doing that and they claimed they could not access my records to show all of my extra payment. Before Navient took my loan I had the same issues with XXXX XXXX, they saw my extra payments and when I contacted a costumer representative, they too also told me they could not see my records and go back " that far ''. I also had contacted a costumer representative several times when my husband noticed that they ARE NOT calculating my interest properly. Not XXXX put of the XXXX people I spoke to could explain to me how they calculated my interest each month, with that said, that is why my balance also dose not show my accurate balance due. XXXX XXXX saw that I had paid them extra money to defer my loan, when I graduated I was XXXX and did not start work right away, NO ONE gave me any other options than to deffer my loan, no one told me, it would still accrue interest either. When I saw that I was not getting through to anyone and no one was going to help me, I stopped paying extra towards my loan and I 'm currently paying the min balance due. As of today XX/XX/XXXX my balance still dose not reflect the extra XXXX that they have from me, extra I was putting towards my balance due!!!!. My family and personal life has suffered greatly, because I had prep and planned to had been done paying them off, to stay at home and raise my children. | ||||||
| 04/11/2018 | Yes |
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| I took out private student loans beginning in XX/XX/XXXX that came to total {$20000.00}. By the time I graduated and once my grade period had ended I began paying those student loans in XX/XX/XXXX. My monthly payments have been between $ XXXX- {$250.00} every month since then. Over the past 7 years Ive experienced financial hardships ( putting it lightly ) due to the high cost of living + my student loan debt. I attempted multiple times, begging and pleading to the point of tears, literally while on the phone with Navient, to please help me lower my payments. I asked if I could refinance By releasing my a co-signer and they said Yes, after making 24 consecutive payments. 24 months went by, payments made without missing a beat! I was so excited to call and have my co-signer released and my payments lowered after making so many payments! Heartbreakingly I was told that I did not qualify to have said so-signer released or my payments lowered due to my credit, which was actually GOOD at the time ( worth mentioning : my co-signer also had good credit ). Theres never any help other than deferring my loans or putting them into forbearance for a month or two at a time, which only makes the situation worse in the end because of more capitalized interest. I was late on payments some months, but not by much due to Navients borderline harassment phone calls collecting payment. I would be less than a week late and still receive calls multiple times a day, many Saturday afternoons and Sunday evenings. Ive tried so many time over the years to have my payments lowered, all to no avail. Theres never any valid or explained reason other than I just have the lowest payments available already. Heres the kicker- Ive made 72+ payments worth $ 230+ and I still owe {$17000.00} ... thats only {$2500.00} less than what I originally took the loan out for ... 7 years after consecutive payments!!! One interest rate is 11.25 % and the other is 6.25 %. Believe me, Id love to throw larger amounts of my measly paycheck at this balance every month, but HOW?! Im barely surviving as it is. Ive worked steadily 3-4 jobs at any given time over the last 4 years trying to make ends meet. Navient has done absolutely nothing to help me ... Theyve actually done the complete opposite and have seemingly deliberately made life more difficult for me. I dont know what to do any longer. I feel like Ill be paying these for the rest of my life with my incredibly high interest rates and lack of support from Navient. | ||||||
| 07/24/2021 | Yes |
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| My credit report from the year XXXX shows student loans opened on XX/XX/XXXX, under an installment account which was updated on XX/XX/XXXX and closed on XX/XX/XXXX with an outstanding balance of {$29000.00}, which were transferred over to the lender Navient. I spoke to Navient and called them at XXXX, after receiving a letter from XXXX indicating I had started a dispute with the credit bureau XXXX and XXXX and in order to continue disputing this charge due to identity theft, I needed to contact my lender, which is Navient. I spoke to an individual by the name of XXXX on XX/XX/XXXX and she was not able to answer my questions as far as what schools was this consolidation pertaining to. I mentioned very clearly the only schools I have attended have been XXXX XXXX XXXX XXXX in XXXX XXXX, TX ( it has been shut down and I never received my XXXX XXXX XXXX on the mail ), XXXX XXXX in XXXX XXXX, TX and XXXX XXXX XXXX of XXXX XXXX. I only took a few classes at each school. She did not have any further information. My student loans are in good standing because I have been paying for them and right now they are in forbearance due to the Covid crisis. The student loan consolidation is very suspicious and I mentioned to XXXX from Navient very clearly those student loans from XXXX are not mine. She did not know what to say. She promised to follow up with me and submit a claim, and I have not heard from anybody. My identity has been stolen since XXXX. It has been stolen on several occasions with the purpose to open fraudulent bank accounts, fraudulent email accounts, fraudulent payday loans, personal credit lines, and student loans. I have disputed a fake address on my credit report from XXXX XXXX and XXXX as well as unknown telephone numbers. Fake email accounts have been open under my name as well. I have filed a police report already with the XXXX XXXX Police Department, the Federal Trade Commission and the Social Security Administration. I have also placed alerts, freezes and locks on the 3 credit bureaus. I have not received any response from Navient and they are failing at complying with this identity theft investigation. Another problem has been the company XXXX. I have contacted XXXX for a solution regarding my identity theft situation and they have not complied to provide to me with the information I need to submit to my local law enforcement and pertinent authorities. They have not even attempted to send me a letter with steps on what to do or even a phone call. | ||||||
| 07/25/2017 | Yes |
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| Throughout the time of repayment for my student loans, anytime I had an issue with the size of my payment or was unable to pay. The XXXX XXXX now Navient always advised a forbearance was needed to do in order to keep my loans in good standing. I was late once by 5 days i n XX/XX/XXXX due to m oving from XXXX to XXXX . They have refused to remove that one late payment from my credit reports. Even though it was due to things out of my contro ls. ( My sp ouse passed away and I had to reloc ate ) Due to the number of forbearance received s ince XX/XX/XXXX - XX/XX/XXXX , my loan s have accumulated to over $ {$130000.00}. My original loan was from XX/XX/XXXX for {$ 33000.00} with XXXX XXXX and my second loan was also XXXX XXXX for {$28000.00}. My student loans went from {$62000.00} In XX/XX/XXXX , mont hly payments were {$570.00}, I n XX/XX/XXXX , {$640.00} In XX/XX/XXXX , {$800.00 } In XX/XX/XXXX , {$940.00} And in XX/XX/XXXX to today - {$970.00} My loan value has never decreased only continued to increase even though I have made payments consistently since my last forbearance. I was unemployed several times during those 6 years, but did make payments even if only interest. In XX/XX/XXXX , Nav ient suggested I consolidate my loans which would lower my payments. So I did complete the consolidation, which brought my loan amount to {$970.00} per month . In XX/XX/XXXX al one, they have capitalized interest in over {$12000.00}. Prior years the interest was roughly {$3000.00} - {$4000.00} total, for exampl e XX/XX/XXXX interest was {$3600.00} total, was In XX/XX/XXXX it also tr ipled to {$120000.00}. I struggle to make the payment each month, but I do n't want to call and ask for assists as they will say a forbearance is the only option again. They have been exceptionally rude and not interest in discussing my options. I do n't know many people who can make an almost {$1000.00} payment every month with the amount going up each year for the next 20 years. I do not believe my payments were posted correctly. Based on their system, I have my interest added then payments made in 10 years! I pay over {$11000.00} per year and they charge my account with over the total payments each year!!! Navient has set up my student loans with so many forbearance that I will never be able to pay this off in my lifetime. I was never offered any other options. I tried income based for 1 year and they then told me I needed to consolidate. | ||||||
| 10/22/2019 | Yes |
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| In XX/XX/2016, I was electrocuted in an accident which caused me to be medically unable to work until a few months ago. As a result of this I have been forced to declare bankruptcy. For that purpose I retained Attorney XXXX XXXX of XXXX XXXX, WA, XXXX. Attorney XXXX still represents me. During that time I was contacted by Pioneer Credit Recovery of XXXX XXXX XXXX, XXXX NY XXXX regarding my student loan. I informed them of my attorney 's contact info, and asked that they direct all communication through him as required by law, until my bankruptcy proceeding was completed. I would then make arrangements to resume payments on my student loan once working again. Despite being given this information, Pioneer has not only refused to contact my attorney, they have continued collection activity by continually calling me, my family members and threatening further action. As you know, under the FDCPA, all collection activity must cease during a bankruptcy proceeding. Pioneer has refused to abide by the law. Under The FDCPA, a company is required to send to me in writing all information relating to the reasons and amounts they are trying to collect. Despite having been over a month since their first contact of me and having my correct address, they have refused to do so. Furthermore, under R.C.W RCW 19.16.430 ViolationsOperating agency without a licensePenaltyReturn of fees or compensation. ( 1 ) Any person who knowingly operates as a collection agency or out-of-state collection agency without a license or knowingly aids and abets such violation is punishable by a fine not exceeding five hundred dollars or by imprisonment not exceeding one year or both. I have repeatedly asked Pioneer for proof they are licensed and bonded in the state of Washington to collect a debt as required by law, but they refuse to provide me this information. This is my last attempt, in good faith, to ask Pioneer Credit Recovery to follow federal and state law and cease all collection activity until my bankruptcy proceeding is complete, and direct communication through my attorney, whose contact information they have. At that time I will make arrangements with them for rehabilitation of my student loan debt. I am filing complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, the both the NY and WA State Attorneys General. IT is illegal to circumvent the bankruptcy laws of Washington State and the FDCPA. I am requesting that Pioneer follow the law. | ||||||
| 09/12/2017 | Yes |
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| I graduated From XXXX in XXXX consolidated my private loan through XXXX XXXX at the time in XXXX and started Repayment in XXXX! the original balance was XXXX This is without the capitalized interest, I later found out about! As of XXXX I still owe XXXX XXXX XXXX years later. I have only made {$26000.00} dent in the loan, meaning I have only paid {$2800.00} per year on principle and the rest on XXXX! My rate have Gone From 9 % to 3.5 % and is still Variable! I pay anywhere from {$1300.00} a month to {$800.00}! Each payment they are putting 70 % toward my interest and 30 % toward my principle! I have payed over {$7000.00} in interest in any given year and can only write {$1500.00} of it off on tax exemptions!! I have called several times though out the last 9 years trying to figure out what I can do, how I can lock in a rate or anything! In XXXX after meeting all the requirements, I was trying to get my cosigner off my loan and found out they dispersed my payment to my federal loan and defaulted on my private and tried to make it my fault! They did not grant me the release of a cosigner because they said I did n't make the payments, WHICH I DID make all the payments and had to fight with them over the phone for months to get it taken care of and nothing went to collections. I recently noticed my payment had gone up and called to see what was happening and what I could do! I called customer service at NAVIENT XXXX XXXX XXXX and asked what were my options with this loan and what i could do! And the ANSWER WAS THEY DO NOT HAVE AN OPTION FOR ME! I HAVE NEVER DEFAULTED ON THIS OR ANY LOAN IN MY LIFE AND I MAKE MY PAYMENT EVERY MONTH! and they do not have an option for me? and are dispursing my money however they like to only benefit there company! ITS A STUDENT LOAN!!!!!!! There are so many loan forgiveness programs out there and I am not even asking for that! I am asking for them to be reasonable with my money and help me out rather than give me NO options! I can not even put it on hold, if I were to have something in my life to happen and need to! This is hindering my life, my childs life, our futures and all I want is them not work with me and give me options without having to not pay and deal with XXXX and Ruin my very amazing credit just to get them to negotiate! I have also requested all of my correspondence with them for the last 10 years, phone calls etc and they are having a hard time getting all that info!!! They have to keep a record and give me my files! | ||||||
| 07/17/2020 | Yes |
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| I filed recent complaint XXXX - XX/XX/2019 - ISSUE - False statements or representation. I have updated information that was discovered from complaint XXXX. # 1 The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not an accredited Institution ; Therefore, the printed transcript of completion and credit hours had no authority or authenticity. # 2 The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not offer or assist in any sort of Financial Aid Options. # 3 The Schools recruiter guarantied after completion of the course I would make a starting salary of {$60000.00}. # 4 I have been paying on this loan for over 16 years! The loan I originally borrowed was approximately {$9300.00} # 5 To Date I have paid over {$15000.00} through the life of the loan. # 6 Now currently owe MORE than what the loan was initially taken out for. # 7 From recent complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX referred to me as Ms. XXXX. I am a Man I have been my entire life born and raised. XXXX is an XXXX XXXX mans name. As a matter of fact, in XXXX Baby Names the meaning of the name XXXX is : War. This being said its rather insulting for someone to referred to me as Ms. XXXX. # 8 From recent complaint XXXX XXXX XXXX states that I should contact my current servicer which is Navient. # 9 In Navient 's logon page to pay for the student loan absolutely no where does it state the loan is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The loan states that it is for XXXX XXXX College the college I attended some 8 years after The XXXX XXXX. I am guessing because was not an accredited. # 10 The XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX has been torn down in and they changed their name. to XXXX XXXX XXXX University. The former building used to reside at : XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, OH XXXX XXXX XXXX # XXXX Even though graduating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , when I started school at XXXX XXXX College not 1 credit hour transferred, nothing! I studied worked hard made the academic honor role for a fake school with fake credits and I have nothing but a canker sore of debt to pay for. # 12 I get multiple harassing phone calls from Navient on a daily basis. Due to Covid-19 I attempted to take a forbearance. I told them to put me on the do not call list which they ignored. I receive daily calls from a Florida number XXXX it is XX/XX/XXXX and I have received 7 calls from this number since Sunday evening!! This seems very fraudulent and wrong! | ||||||
| 04/07/2017 | Yes |
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| I called Navient around the XX/XX/XXXX to inquire about forbearance or deferral of my loan I was told that I could not do that as I had used all of my allotted months under the loan. These loans are not under my name but under the name of my spouse as the were previously consolidated. As such they are no longer a spousal consolidation loan but are loans that are under my wife 's name and her name alone. I know this because everytime I call in to inquire about the loan I am required to give her information and not mine as I do not have loans with Navient. When I spoke to your representative in or around the XX/XX/XXXX she informed me that I could do a consolidation through Studentloans.gov and that would reset the loans. I proceeded to do that as you can see in your records. On a XX/XX/XXXX letter from Navient I was informed that the loan consolidation was denied with the reason code being XXXX. I then called and spoke to another representative on XX/XX/XXXX. He told me that the loan was denied because it was a spousal consolidated loan. He also told me that the loan was in a hold until XX/XX/2017 due to the consolidation application. He told me that I would need to pay {$43.00} for loan XXXX and {$280.00} for loan XXXX due on XX/XX/2017. After that I would then make a payment of {$320.00} for XX/XX/XXXX and then in XX/XX/XXXX the payment would start with the Income based repayment plan w3ith a payment of {$230.00}. I called again today and spoke to another representative and was given yet different information. I was told today that my payment of {$230.00} is due on XX/XX/2017 and that would continue until XX/XX/2017. I was also told that an email was sent on XX/XX/2017 informing me that my payment was due on XX/XX/2017 and not on XX/XX/2017 like I was told on XX/XX/XXXX. I have looked for this email and there is no such email. Obviously I am frustrated that things are changing without notification and that I am being told so many different things to do. After my conversation today I called the Loan Consolidation Information Call Center with the US department of Education. I was told to call Navient back and let you know that the loan is not a spousal consolidation loan as that was done previously when that type of consolidation was permitted. The consolidation of the loan that I was applying for is in fact not consolidating my wife 's and my loans but is a consolidation of her loans alone. Please see correspondence from US Dept of ED Call center here : | ||||||
| 10/18/2016 | Yes |
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| I have a loan from XXXX school, originally managed by XXXX XXXX, which has since been transferred to Navient. In the last year or two, Navient has not billed me or reflected my monthly payment in a clear or straightforward manner. For example, in XX/XX/2016 I applied to the US Government and was approved for an Income-Based Repayment ( IBR ) Plan, resulting in a monthly loan payment of {$58.00}. Unfortunately, in my attempts to pay my monthly IBR, I have been misled by both Navient telephone payment personnel and by the company 's website. Navient has persistently stated on its website in my Account Summary a " XXXX Consolidation '' payment as being due by me ( currently {$230.00} ), with apparent priority. No statement of my minimum monthly payment, the {$58.00} IBR, is anywhere apparent on Navient 's electronic presentation of my " Account Summary. '' To say the least, this is deceptive. After calling Navient directly twice in XX/XX/2016, speaking both times with off-shore call centers in the XXXX, and complaining about this unclear statement of my monthly payment due, I finally learned that, in order to ascertain my minimum monthly payment due under my Income-Based Repayment ( IBR ) Plan, I would need to navigate away from my " Account Summary '' page by clicking on a link entitled " Loan Details. '' Only in clicking on this link, the Navient Customer Service representative informed me, could I learn of the monthly payment I owed. Twice in the last year or year-and-a-half, I have made payments of $ XXXX {$320.00} under the false impression that this was the minimum amount owed, or the first priority for repayment. Only after making these payments, supposedly targeted toward " consolidation '' charges, and discovering that these amounts never disappeared, but kept reappearing month after month, did I realize that this " consolidation '' figure being presented by Navient for payment was not a one-time payment for past interest owed, or something similar. In short, in the way Navient bills me, I am given a false impression of which balances are payable when, while I am under-informed about the minimum monthly payment due, since I have to dig and navigate around my electronic account page simply to learn my monthly payment due under my Income-Based Repayment Plan. If necessary, I can attached a screenshot of my latest Navient " Account Summary '' so CFPB can see what I see as a Navient customer. Thank you very much in advance for your assistance! | ||||||
| 08/31/2016 | Yes |
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| I am currently paying mostly interest on an XXXX loan. I am being crushed. I am also told by Navient that I am not eligible for any kind of feasible repayment plan. I am unable to even make a dent with the affordable payment that I am currently enrolled for, as all I am paying is interest. No one on the phone seems to be able to help, or listen. They just keep repeating the same canned information and offering me a payment that is way too high for what I can afford. It also seems convenient that my largest loan amounts have the highest interest rate. Because of my husband 's income, I am not eligible for any forgiveness, but he spends his paycheck making up for the deficit that is caused by these enormous payments, that do n't make any difference, other than filling Navient 's pockets. And I work mainly in non-profit and XXXX in Michigan, where I struggle to find full-time work, as there are significant economic problems within the state itself, so most of my meager nonprofit or XXXX paycheck goes toward paying the interest on these loans. I was severely unemployed for several years, due to the country 's economic downturn, and relocation, and I am currently paying interest for the country 's mistakes. Meanwhile my debt goes nowhere. I am sure that pleases Navient, and understand that I am most likely wasting my time contacting them, or fighting this issue, but wanted to make an effort before moving beyond to either filing for bankruptcy, or other measures to resolve this issue. I understand that I took out these loans, and I understand that I need to pay them back, which is why I signed the agreement. I did not agree to be unemployed, and underemployed for several years. That was not my choice. And because I was not technically on unemployment, because I chose to not be a drain on the government resources, and work part-time, minimum wage jobs to survive, I am being punished. I could not have anything waived, because I was working part-time, but the interest kept accruing. I have been gainfully employed for a few years now, luckily, but I am being literally crushed by the interest on these loans. I lie awake at night worrying about this, forcing myself to resign to the fact that I will be paying Navient 's interest for the rest of my life ( and I am XXXX now ). I know many people that have already thrown up their hands and just stopped paying, but I choose to be responsible, and know that I signed on to borrow the money, which is why I am still paying. | ||||||
| 03/29/2017 | Yes |
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| XXXX, NC XXXX XX/XX/2017 Consumer Financial Protection Bureau Consumer Complaints XXXX, IA XXXX RE : NAVIENT Loan-XXXX-1 Dear CFPB : I am seeking assistance with the proper application of my loan payment to NAVIENT. On XX/XX/2017 I made payment of {$920.00} ( please see payment receipt enclosed ) to NAVIENT for Loan XXXX. This payment included what NAVIENT states in the payment statement ( please see enclosed payment statement ) unpaid fees of {$260.00}. On XX/XX/2017 I returned to the NAVIENT website to schedule my next payment and see an amount due of {$260.00} which I just paid ( please see enclosed Account Summary ). I then called NAVIENT to report that the payment was not applied properly because I paid the unpaid fees, as well as the current payment of {$650.00} totaling {$920.00}. The representative told me she saw the problem and asked me to hold. Whomever she spoke with provided this response. " Do n't worry about it will be there until the loan is paid off, just pay the regular scheduled payment. '' My response was NO you all need to apply it properly. The representative then placed me on hold to return to tell me that, " the full payment was applied to all interest and they would be sending me a document which explained how payments are applied. '' I then refused to take this as answer. Enclosed is the document found in my NAVIENT student loan documentation ( Loan Term documents enclosed ), it clearly shows that there were {$260.00} in outstanding fees which included in my payment paid on XX/XX/2017 totaling {$920.00}? The Loan Term documents enclosed clearly shows by monthly payment to be {$650.00}. I would like my payments applied properly as is stated on my Payment Statement. The unpaid fees and loan payment should be applied as such and my current payment should only reflect the {$650.00} due on XX/XX/2017. Per the new account summary NAVIENT is stating I owe {$920.00} ( please see enclosed account summary 2 dates XX/XX/2017 ) which includes {$260.00} that I have already paid on XX/XX/2017. Please do n't allow NAVIENT deceptive payment practices go on any longer. Also please note that I REFUSE to pay the {$260.00} again and I also need it reflected on my statements that I have paid the unpaid fees of {$260.00} to NAVIENT on XX/XX/2017. I understand the Consumer Financial Protect Bureau has sued NAVIENT for such practices and I would like my compliant included in the law suit if you find it applicable. Sincerely, XXXX Enclosure ( XXXX ) | ||||||
| 10/01/2022 | Yes |
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Web | Servicemember |
| In XXXX, I consolidated subsidized student loan into a XXXX consolidation loan with Sallie Mae, now doing business as Navient. During the time of the consolidation, I was not advised that if I consolidate a XXXX loan, I would lose all the benefits of a subsidized loan program provided by the government. I later found out that given that the XXXX loan at the time was approximately $ XXXX and the reminder of the loan was approximately $ XXXX, it would benefit me to remove the XXXX loan. The servicer refused my requests, to cancel the loan consolidation. In XXXX, I became a single parent and began to suffer financial hardship. Since I was parent with a XXXX XXXX XXXX and could barely make it, I was hoping furthering my education would help me to secure a better job and improve my financial situation. I went back to school under the school deferment, during that time Sallie Mae ( Navient ) lead me that the interest would not capitalize. After my graduation, to my shock, the servicer had capitalized approximately $ XXXX in interest. What is even more shocking is during that time Sallie Mae ( Navient ) never sent me a notice, showing how much I owed until after graduation. Imagine my shock after learning $ XXXX had almost doubled. I formerly disputed this issue and sent letter to XXXX for assistance, but the matter was not resolved. Again, the servicer deceived me. During the life of this loan Sallie Mae ( Navient ), instead of informing me of the XXXX program they, suggested forbearance until I max out my forbearance time. Now, over 25 years, I have made payment under the XXXX programs. Today my daughter has graduated college and I am still burden with this debt that has more than tripled ( a loan of $ XXXX is now $ XXXX ). The servicer also told me that after 25 years my student loan balance would be forgiven. I called a few weeks ago when I heard about the student loan debt relief program, and the servicer told me that my loan should be forgiven. When I called back a week later inquiring about the forms to be submitted for forgiveness, I was told by another agent that they could not be forgiven. All my research indicates that my loan is eligible for forgiveness after 25 years. On XX/XX/XXXX, I uploaded a letter to Navient requesting student loan forgiveness or the reasons for refusal. That letter was removed from my history of submitted forms. I have since forward this request in writing to the servicer. Please assist me in resolving this matter. | ||||||
| 01/06/2023 | Yes |
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Web | Servicemember |
| I strongly believe Navient may be using a tactic misrepresenting my student loan balance for more gains. I believe that this tactic is not legal and/or at least raises a RED flag for an investigation. On XX/XX/XXXX, I decided to pay off my student loan of {$23000.00}. I reached out to Navient and was transferred to an agent XXXX in the student loan department. This agent after going into my account sited my total balance of my loan that I needed to pay was {$23000.00}. Which I proceeded to pay over the phone using my personal check # XXXX. At the end of my conversation, I was informed that I would receive a payoff letter. This letter was to never arrive. What did arrive the following on XX/XX/XXXX was a statement for me to pay another {$1000.00}.? I immediately contacted Navient to discuss this error. I was meet with confusion by their agents as to why I was being charged. Their records indicated that the amount sited by their on XX/XX/XXXX agent was correct and they would further look into this issue. I expressed my frustration with them and their system. I informed them that they needed to resolve this issue today. The agent appeared empathic and supportive wanting to finding the answer for me. So starts my archous battle with Navient! after numerous conversations with other agents/supervisors I came across agent XXXX XXXX XXXX. On XX/XX/XXXX Team Lead XXXX XXXX # XXXX. After XXXX minutes into our conversation XXXX stated that she would like to go back and lesson to the recorded conversation with me and agent XXXX on XX/XX/XXXX. And if she found that the balance of my account given that day by agent XXXX was indeed {$23000.00} as a full payoff amount. Then Navient will wave the requested fee of {$1000.00}. Satisfied that I would prevail. What arrived was a letter on XXXX XXXX. On XX/XX/XXXX. I received a letter from Navient with old dates and numbers. However, admitting fault and that indeed their agent XXXX incorrectly provided me with the wrong payoff amount " That Navient will not be able to write-off the remaining balance and that I would still need to pay the requested amount of {$1000.00} See attachement # XXXX On XX/XX/XXXX to dispute there response letter to me. I was meet with more ridiculous excuses and that they could not honor what Team Lead XXXX XXXX promised. " To wave the fees regardless of the facts disclosed in the recording '' It is my hope that C.F.P.B can represent me in this unfair and unjust act by Navient.. Sincerely, XXXX | ||||||
| 09/11/2018 | Yes |
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| Over the course of three years ( XXXX ), Sallie Mae ( now Navient ) loaned me {$130000.00} in private loans while I pursued my doctorate. I was a full time student at this time, so my husband co-signed for me ( although his yearly salary was only about {$65000.00} at the time ). I completed my doctorate in 2013. While I was in school, Navient kept my loans in deferment. Once I graduated, I went into repayment but quickly found that the capitalized interest had increased my loan amounts substantially, and the minimum payments they required were greater than I could afford on a teacher 's salary ( at one point, they were demanding a payment that was about 2/3 of my monthly take-home pay ). I have asked for income-based repayment plans on numerous occasions but have been told repeatedly that they can't help me. They have put two of the five loans on a reduced interest rate that makes the payment more manageable but they have repeatedly refused to work with me to make it feasible for me to pay on ALL my loans. Since I've been in repayment, I've paid a total of {$27000.00}. My loan amounts have increased ( in total ) by {$120000.00} so that I now owe Navient {$260000.00} and can not begin to make the minimum payments they are requiring. I have filed complaints in the past regarding the derogatory and unethical comments and threats Navient representatives have made to me ( one representative told me I was stupid, and another threatened to have my teaching license revoked since I was behind on my payments while another threatened to send the sheriff to my home to arrest me ). I am filing this complaint now because XXXX XXXX, the attorney general for Mississippi, has filed a lawsuit against Navient for fraudulent and deceptive student lending practices. I feel that I have been victimized by Navient since they should never have loaned a college student/teacher {$130000.00} in the first place. Since those loans, they have failed to notify me of the penalties and interest that I am accruing and have made it easier to put my loans in forbearance rather than working with me to make payments in keeping with my actual income and family size. At the rate at which Navient increases my interest rates and piles on penalties, it is going to be impossible for me to earn enough money over the course of my lifetime to pay them off. Ever. I have offered to pay what I can on each loan as a sign of good faith but even that was denied. This company is worse than modern day mobsters. | ||||||
| 02/01/2018 | Yes |
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| I have received several calls from XXXX, on behalf Navient, regarding a student loan that I cosigned on behalf of a younger sibling. They had called several times throughout the day and weeks from various numbers including XXXX XXXX XXXX XXXX. When I finally answered, XXXX, the first representative, didnt identify herself or the agency. Instead, she began to ask me for my ssn. I asked for information before providing any personal info and eventually felt comfortable enough to provide the last 4 digits of my ssn. XXXX indicated that there was an opportunity to remove my name from the loan altogether through a settlement of about {$8000.00}. When I asked for written documentation regarding that settlement she refused to send anything in the mail or by email. After several requests to send written documentation of the settlement offer by email or mail, the representative indicated that failure to pay would have implications on my mortgage and other financial obligations. At that point, I explained to her that I understand my rights under state and federal law and that I believe her communication was inappropriate and may be in violation of those rights. The representative continued to speak over me and would not listen. She refused to provide any written documentation to me. The representative continued to indicate that certain actions will be taken if I had not provided payment account information to preserve the settlement offer. Once again, I asked her to provide written documentation regarding the settlement offer and possible payment plan but she refused. At that point, I told her that because she could not provide any additional written information I would hang up and would file a complaint. Within about an 1hr, I called the number again to get the full name of the representative and a mailing address. The second representative, XXXX, told me that she had no record of my previous call. When I pressed her for information, she said that she overheard the call. Because she lied about the recording of the previous call, I ended the call. I do want to remove my name as co-signer of the loan and, depending on the terms and other factors, am willing to enter into a settlement and/or payment plan. But the representatives withheld information, made threats, and several misrepresentations. These calls were around XXXX and XXXX on XX/XX/2018. So I am filling a complaint but would also like some guidance. My contact information is above. Thanks XXXX | ||||||
| 09/13/2015 | Yes |
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| Navient-private loan ... My life was on the incline when i had all loans under XXXX XXXX. Now that Navient took over they are trying to make me suffer. Reason i state this is ( XXXX ) checks # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, and XXXX. All check been cash from XXXX DE with any problems on my end. It would help ample if XXXX person would stop and see on XXXX XXXX, 2015 Account # XXXX needs a repayment plan option available ; ' which states i talking to someone else other then XXXX XXXX again. Recovery XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX. This is the head line punch Navient send me a refund check with a check number XXXX. Attach a letter saying " we 'd like to thank you for your business with Nalvient, formerly XXXX XXXX. During a recent review it was identified that our practice of charging a minimum late fee, as well as our student loan billing statement disclosures relating to when late fees would be charged.. It seem to me and i NOT the one to judge but ... NAVIENT is all over the place. Then, second ( 2 ) XXXX XXXX, 2015 another letters " Your Delinquency May be Reported to the Consumer Reporting Agencies '' wait no one talks in there office. I guess no one send each other emails anymore or they are took busy on the net buying clothes and shoes. " Your payment for XXXX of the Navient education loans referenced at the end of this letter continues to be delinquent, and we urge XXXX to make XXXX missed payments today. ( AGAIN ) Please make a payment for the amount that is past due for your loan, to bring XXXX account current. '' Let 's back up XXXX bit how many piece of paper are the wasting to send me all these letters. NAVIENT let 's get this big company in order. Continue, ( third ) Unless XXXX pay, your delinquency may be reported to the consumer reporting agencies, which may or already did impact XXXX credit history and potentially make it difficult for everyone. '' This is what I don t understand about NAVIENT ... no way in any these letters say anything about a DOWN PAYMENT # XXXX. Fourth, ( 4 ) " we understand that unexpected circumstances can cause financial difficulty. if XXXX having trouble making XXXX monthly payment, please call us at ... We 're here to help if XXXX '' HELP what if XXXX telling me to do something and i been doing it way XXXX XXXX set me up to do. NAVIENT saying i am doing everything wrong, NAVIENT help me some I can help you by talking GOOD about your company. THEEND | ||||||
| 08/26/2019 | Yes |
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| I am trying to remove two loan amounts, listed below, from a school I DID NOT attend from my account. and receive reimbursement for any payments that have been made to Navient. XX/XX/XXXX XXXX XXXX - Unsubsidized {$9400.00} Status Awarded XX/XX/XXXX School XXXX UNIVERSITY Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/NAVIENT Disbursement Date XX/XX/XXXX Original Principal {$9400.00} XX/XX/XXXX XXXX XXXX - Subsidized {$13000.00} Status Awarded XX/XX/XXXX School XXXX UNIVERSITY Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/NAVIENT Disbursement Date XX/XX/XXXX Original Principal {$13000.00} XX/XX/XXXX Logged into Navient Student loan account to review status of repayment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Graduated XXXX ). Noticed there was a Disbursement of {$22000.00} on XX/XX/XXXX from XXXX University ( I did NOT attend XXXX in XXXX ). XX/XX/XXXX Called and Emailed XXXX University regarding Incorrect disbursement. Spoke with XXXX XXXX / Collection Specialist. " I have a Balance of {$0.00} from XX/XX/XXXX ( See attached ). I had all loans cancelled XX/XX/XXXX as I was enrolled through the employee assistance program at the time and was laid off after my first week of attendance involuntarily. '' I was advised by XXXX to contact National Loan Student Data System ( NSLDS ). XX/XX/XXXX XXXX University XXXX XXXX / Collection Specialist recommended I speak with the Registrars office at XXXX option 4 & 6 or the AR department at ext XXXX Regarding loan corrections. XX/XX/XXXX I contacted the National Loan Student Data System ( NSLDS ) with my issue and received a Complaint Case Number XXXX. XX/XX/XXXX Called Navient to have XXXX University loan removed from my account as It was not correct, I did not attend XXXX, nor take out a loan of {$22000.00}. Was advised to contact their internal Investigative line for loans at ( XXXX ) XXXX. Was net with a mailbox where I recorded my issues as there was no person to answer. I have not received a call back. XX/XX/XXXX Called Navient back and was advised to visit the Borrower Defense to Repayment website for Federal Student aid at https : //studentaid.ed.gov to file a claim. XX/XX/XXXX Contacted XXXX through XXXX XXXX to have my Identity reviewed for Fraudulent activity at ( XXXX ) XXXX. XX/XX/XXXX Removed Auto-pay from Navient and contacted Consumer Financial Protection Bureau again to file a second claim regarding this issue as I have not yet have this resolved. | ||||||
| 01/05/2018 | Yes |
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Web | Servicemember |
| I have been battling this issue, and others, with Navient for several months. Ive submitted several complaints through their ombudsman and advocate office, as well as three CFPB complaints. One of the cases ( XXXX ) was documented as duplicate. None of my complaints have been resolved yet theyve been marked as closed. Part of my last complaint was regarding a fraudulent loan. While Im fighting the fraud issue, Im still trying to keep the loan from becoming increasingly delinquent. Upon submitting financial information for myself and my mother who is the co-signer, I was placed in a payment program. In the first three months of the program, I had to submit another complaint due to a manager deciding I was no longer eligible for the program, regardless of my XXXX status. The advocates office got involved again. They discontinued the payments and placed my accounts in an administrative hold status. While I was working on the medical documentation required for my XXXX request, my mother received a call from Navient about the loan defaulting. I called the person back and he stated one of the loans had now defaulted due to no payments being made and its been reported to the credit bureaus as a charge off. I made it explicitly clear this information was not accurate. After ending the call I reached out to the advocates office to find out what was happening as none of this made any sense. Approximately 2 weeks later, I was informed that the loan is now in the Navient recovery office for default but that a payment arrangement could be made and the interest reduced to nearly 0 %. Ive reached out to this recovery office but have yet to speak to the person who is said to be the account manager. This cant be legal. This account had three payments made, via the required ACH process. The loan was then on an administrative hold. So I dont understand how they are now able to say no payments were ever made and have subsequently charged the loan off. Not only is this loan included in my current request for the Borrowers Defense Act against XXXX XXXX, its also the loan Im fighting for fraudulently being processed. Its also the same loan Ive submitted complaints to your office about, including written and voice-recorded documentation. Theyve now severely ruined my mothers credit and mine and if this complaint is addressed in the same manner as my previous complaints, allowing things to progress to the present status Im facing, they will get away with multiple illegal actions. | ||||||
| 05/09/2017 | Yes |
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Web | Servicemember |
| My student loan is currently in an education deferment with Navient, formerly known as XXXX XXXX . I initially took the loan out XXXX for an amount of {$22000.00} and there is currently a balance of {$13000.00} on the account. The loan is an education deferment as I have just completed my XXXX XXXX XXXX in XXXX XXXX at the University XXXX XXXX and am continuing on to complete my XXXX . in XXXX at the University XXXX XXXX . My issue is with my creeping interest rate. Currently, the interest rate on this loan is at 9 % after Navient, again, has increased the rate. They have increased the rate steadily every few months recently, outpacing the LIBOR r ate, which they claim to use as their baseline when I called to inquire about this. I called Navient o n XXXX XXXX XXXX and was told my interest rate was variable, based off of the LIBOR rate and my credit score. When I pointed out that my credit score has increased greatly since the loan was taken out, I was informed they only look at my credit score from the day I took out the loan. Given this, the variable interest rates marginal variation should only be based on th e LIBOR rate, w hich is still positive, but marginally decreasing, meaning it is moving in the opposite direction of my loan interest rate. I have had previous issues with Navient/ XXXX XXXX when they advertised special repayment benefits for military members. I served XXXX years XXXX XXXX in the XXXX XXXX . When I called to inquire about these benefits, I was told that my service did not count as XXXX XXXX and I was not entitled to these benefits and that soldiers are only XXXX XXXX when they are overseas, otherwise, they are part of the reserve. As a XXXX veteran, I gave some of the best years of my life to serve in whatever capacity my country needed me to and it is very frustrating that, as I am trying to use my benefits to further my education, I am being told that this company can arbitrarily increase my interest rate with no limits. When asked why I did not receive notification of my interest rate hike, I was told that because I am currently in school, they may no t let me know when my interest rates are changing. The representative went on to read the interest rate increases that have occurred recently without my knowledge as if it was a justification for the current hike. I understand how the LIBOR work s, but no other lender is trying to extort me this harshly. | ||||||
| 03/18/2019 | Yes |
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| I've been repaying my student loans with Navient through an income-sensitive repayment ( ISR ) plan, with which I have to file a new form annually to certify my income level. My payment was about to go up as of XX/XX/XXXX, so in XXXX, I filed the ISR documentation. On XX/XX/XXXX, I received notice that my ISR materials were rejected because of the form of income certification I submitted ( tax return -- married filing jointly -- they needed a form that didn't include my spouse 's income ). So I resubmitted the documentation on XX/XX/XXXX ( this time, with the 2018 W9 form from the company I work for ). After submitting, the confirmation page noted that I should expect the form to be processed within 15 days. On XX/XX/XXXX, I contacted Navient because I noticed that I had still not received an updated payment plan from them. When I spoke to the customer service rep, she notified me that because I was on an Autopay plan, they could not process my ISR when it was received within 14 days of the payment due date. I asked to speak with a supervisor because 1 ) I submitted my first form in XXXX, then my second form on XX/XX/XXXX, so I knew that this was well within the time frame she suggested, and 2 ) I was never notified of this technicality re : the Autopay plan and the due date. All that was indicated to me when I submitted my ISR documentation was that it would be processed within 15 days. I was then transferred to the supervisor, Navient employee # XXXX, who reiterated that because the Autopay was scheduled for XX/XX/XXXX, the ISR could not be processed before that date. This made no sense to me. I expressed my frustration that this information was not made available to me at any point in the process, and that I was now going to be forced to pay a significantly higher payment this month ( over 3x what I normally pay ) because of these deceptive practices. She argued with me about it for some time, and even had the audacity to say that this higher payment would actually be of BENEFIT TO ME, because it would lower my principal balance. I explained that while it would indeed lower my principal, that would not benefit me if I couldn't pay my other bills. She finally agreed with me, saying, " I understand -- if you had known about this, you could've planned for it. '' Exactly. It's important for borrowers to maintain sovereignty over their own financial decisions, and not be deceived by information that is not made clearly available to us. | ||||||
| 05/11/2017 | Yes |
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Web | Servicemember |
| Approxima tely 2-3 y ears ago, I was experiencing financial hardship. I defaulted on my private student loans with Navient. I stopped paying because I could not afford to. When I was ready to start paying again, I contacte d Navient in a n effort to set right my wrong. This was appr ox. 1 and ha lf to 2 years ago now. I asked what do I need to pay today to set my accounts current and get out of default? They quoted my a very large number, I remember it was greater than {$3000.00}, but I do not know for sure as it was so long ago. I did not have this amount of money. I explained my situation and asked for more options, however none were given. The one option they gave me was to start paying my loans through a company called XXXX XXXX . XXXX XXXX is a debt collector Navient uses to collect debt. I then contacted XXXX XXXX as was told to me to do by Navient. They placed me into a low monthly payment, low-interest repayment plan for struggling borrowers. So for about 2 years now, I have been paying XXXX XXXX {$120.00} per month, which is automatically taken from my account each month through direct deposit. I was under the assumption that everything is fine and that my monthly payments took me out of default and that my payments were being applied to my principal balance. Today, XXXX XXXX , 2017 , I was checking my credit report on XXXX , as I am attempting to rebuild my life and credit. I notice that for almost two yea rs Navient ha s been reporting to the credit bureaus that I am not paying each month. Each month shows a red box marked " no pay ''. I was shocked by this, since I was under the assumption that I had been out of default with Navient for a long time. I called Navient on XXXX / XXXX / 2017 and spoke to three different people all claiming that there is nothing to be done, and that if I wanted them to stop reporting me to the credit bureau that I need to pay the entire balance of {$21000.00}. I reminded them that I am trying to fix my credit and I am paying them each month through the only option they gave me, and they simply refused to detract the " no pays '' to the credit bureaus. I am at a loss and not sure where to go from here. I am not perfect and have made mistakes, but this practice does not sound lawful to me. Please let me know what I need to do to fight this. How can someone like me, a single mother, with no assets, and no help, ever get ahead when companies like this make it almost impossible? Thanks so much. | ||||||
| 01/21/2019 | Yes |
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| I have been dealing with this situation for many years and I have spoken to the ombudsman who basically did nothing after Navient responded with no explanation. I have received multiple letters from Navient with different balances and no proof of how the balances were created. Currently Navient states on the website that I owe them XXXX. However they just sent me a letter via mail that I owe XXXX. I have been dealing with this situation since I was in school at XXXX. I had to stop attending because I ran out of money, that is the 1st time I was aware of a problem. Besides the fraudulent activity of the school which I also have a claim on, Navient is changing the amounts constantly. When I got a lawyer to handle the situation, suddenly Navient makes up that I had loans from another servicer and they have now been added to the loans. I never had loans from XXXX, this is what Navient is now claiming. When I started XXXX I had XXXX is student loans from Sallie Mae This was for going to the previous XXXX XXXX College, and I also have made many payments under the IBR program. Now I somehow have accumulated XXXX in student loans even though with a revised letter from Navient that now says I owe {$23000.00} from the XXXX, that creates an unexplained amount of debt in question. My debts before XXXX were paid. And while I attended the college, I was also making payments. The amount of money XXXX University said that I borrowed is {$29000.00}. You can see from the math there is around $ 30K in interest accrued in less than 5 years. Of that amount, only {$1800.00} dollars is accrued interest on the XXXX loans which I attended earlier then XXXX. None of this is adding up correctly, and I have had an accountant look at it and tell me this is not correct. Navient will not provide any evidence that I owe this money accept a promissory note that could have been to any school. A master promissary note does not mean I owe every bit of debt that is tacked on from different people who have my name or from miscalculations from Navient. I do not owe this amount of money. I begin making payments in XXXX, and I want it to get allocated to the right accounts. I'm not going to make payments on someone elses bills. I was not sent any payment coupons and it says there is nothing due on their website. However I have a letter that says when I begin my repayment. I want to have the correct balance on the XXXX loans. I want them to take responsibility and explain their calculations. | ||||||
| 04/23/2022 | Yes |
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Web | Servicemember |
| I originally obtained the student loan with sallie mae from XXXX to XXXX. I call myself consolidating the loans for {$1000.00} with an 8 % interest rate and another loan for {$19000.00} with an 4 % interest rate, and the {$19000.00} had got to be that high because I could not keep up with the payments and needed forbearances. My original loan was only {$10000.00}. I didn't know that the {$1000.00} loan of 8 % would bring my {$19000.00} loan of 4 % would be combined and rise to the highest 8 %. I was under the impression that it would come down to the 4 % or at least close to it, but the total loan shot up to the 8 %. That caused me to have a {$20000.00} loan with an 8 % interest rate. I was not told it would go up the highest 8 % loan. I filed a complaint with you all on sallie mae stating that sallie mae should have informed me that my payments would go up because the interest rate went higher on the {$10000.00} loan which is loan shark practice. Nothing happened from my complaint. Sallie mae only transferred or sold my loans to Navient. Now Navient is the loan company who is only resulting in me struggling to make almost {$400.00} per month payment for an original {$10000.00} loan and ruining my credit because my loan have exploded to almost {$30000.00} even though I have paid over {$20000.00} on it. Also, I tried to take advantage of the presidential deferment offered by the federal government due to the COVID-19 pandemic but i was not able to do but a few months, and the Federal government said that we had until the end of XXXX. But Navient was having me to re-apply for deferment on a MONTHLY basis, and on top of that charging me deferment interest which I thought the federal government said that no deferment was to be charged. Now the federal government has extended the COVID-19 student loans until the middle of XXXX, but I am still struggling to make XXXX XXXX monthly payments and if I ask for a deferment I would have do it on a monthly basis. I got FEDERAL STUDENT LOANS when I borrowed them and not private loans so I should be given the same chance to have my FEDERAL STUDENT LOANS deferred without interest charged and not a monthly basis with interest charged. I also should be granted a payment reduction due to not being lawfully and rightfully informed that my payments would skyrocket if I combine my {$1000.00} ( with 4 % interest ) student loan with my {$19000.00} student loan ( with the 8 % interest ) and not have them both shoot up to 8 %. | ||||||
| 04/01/2019 | Yes |
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| I contacted Navient in XX/XX/XXXX to inquire about the payment history on my student loans. The initial private loans and federal student loans began repayment in XXXX and were set on a 15 year gradual step repayment plan. The initial servicer was XXXX XXXX XXXX XXXX XXXX. The loans were then consolidated in XXXX to include graduate student loans. The service provider was switched to XXXX XXXX, and subsequently Navient acquired the loans around XXXX. From XXXX I made several lump sum overpayments. Navient did not allow me to direct these overpayments to the loan of choice, rather they applied them evenly across the two private loans and two federal loans. Trying to understand the complete loan payment history, and reason why the amount owed in XX/XX/XXXX was more than the original amounts borrowed ( despite overpayments ), I requested via phone, a complete history of payments made on the loans. I was told by the customer service representative that this was not possible since Navient did not service my loans prior to XXXX. I asked for an accounting of the amount that was acquired by Navient in XXXX and a complete accounting from that date. I was told by the customer service rep that I would receive the accounting via mail within 2 weeks. Subsequently, the accounting was never received via mail or electronic mail. I was also told by the customer service represenative that when Navient acquired my loans they were in a " repayment plan of forbearance ''. I explained to the customer service rep that " forbearance '' is a loan status and not a " repayment plan ''. I was trying to understand why the repayment plan I had selected with my prior provider ( 15 years graduated repayment ), did not carry with the loan acquisition by Navient. This information has still not been provided. Rather I was told repeatedly by the customer service representative that the " repayment plan was forbearance ''. I have since re-finance my loan with a private servicer since Navient could never provide a clear accounting or transparency into how my payments were applied. Successful resolution of this issue would be a complete accounting of how all payments were applied by Navient. In addition, I would like information on the balances as bought and sold from XXXX to Navient. I have checked the federal student loan database for this information, but there does not appear to be any record of payments applied, only amounts bought and sold between corporations in the submarket. | ||||||
| 07/03/2017 | Yes |
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| I am a XXXX. I have XXXX for 13 years. The last 6 years of my XXXX career have been at 2 low income XXXX. I applied for XXXX loan forgiveness through my 2 current lenders. I owe about {$1000.00} to XXXX and about {$3000.00} to Navient. The loan forgiveness act allows up to {$5000.00} to be forgiven when certain criteria are met. I have met the criteria. I applied for forgiveness at both XXXX and Navient because the combined amount is less than {$5000.00}. I sent in the applications last summer ( XXXX 2016 ). The forms were exactly the same. The one sent to XXXX went through with no problem. It is currently with the Department of Education awaiting approval. Unfortunately, the same ca n't be said for Navient. I turned in the same form to Navient and they denied because the principal wrote the name of the XXXX as XXXX XXXX, but on the XXXX Cancellation Low Income Directory it was listed as XXXX XXXX. I called Navient and told them that there are hundreds of XXXX on the list that say XXXX. and that it is a common abbreviation for XXXX. The supervisor I spoke to then said that it would be ok, but that I marked a box incorrectly in another section. She told me how to fix it and then I resubmitted it. About a month later I got another denial letter, but this time it said that the service date was written incorrectly. It said it had to be written as mm/dd/yyy. However the service dates were written correctly. Instead where the XXXX signed and dated it she wrote the date as mm/dd/yy. I called several months later because the XXXX year was underway and that is a very busy time. When I called Navient and complained, again, after almost an hour on the phone they said they would resubmit the application. That was a couple of weeks ago. Today, I got a letter saying that my application was denied because my current employee wrote my service dates as mm/dd/yyyy to current. They denied it because it ca n't say current that it must have a date. I called again. I told them that they should have told me everything that was wrong with my application from the beginning. They just seem to keep picking some tiny thing to deny it each time. I also told them that the same application was sent through XXXX with no problem. I have been told that I need to fill out a new application to resubmit. I am beyond frustrating and feel like I am getting the run around. I feel like they are just trying to get out of the forgiveness so that they can get more money is interest from me. | ||||||
| 01/30/2022 | Yes |
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| I have been under an Income Driven Repayment Plan for years and Navient does not honor it correctly and denied it although fed loan and student loans.gov have me under a 0 monthly repayment plan. Navient has been emailed and called as to why I am forced to pay them and not receive my qualifying PSLF. I am an educator and have been since XX/XX/2008 to the present. It has been lie after lie and I also attended XXXX University with the loans under Navient and University XXXX XXXX. XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder XXXX IMPORTANT TAX RETURN DOCUMENT AVAILABLE Important Tax Document : Form XXXX XXXX New document ready to view! Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! Monthly Bill - Navient - Ebill Reminde XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder XXXX IMPORTANT TAX RETURN DOCUMENT AVAILABLE Important Tax Document : Form XXXX XXXX New document ready to view! Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! Monthly Bill - Navient - Ebill Reminder XXXX New document ready to view! XXXX XXXX XXXX approved XXXX Your Application from XXXX has arrived We have your Income-Driven Repayment plan XXXX Reminder : Your payment will increase soon It? XXXX time to renew your Income-Driven Repayment Plan! XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder XXXX Your monthly statement is ready Monthly Bill - Navient - Ebill Reminder Happy to provide more details | ||||||
| 02/01/2020 | Yes |
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| I called in for Income Driven Repayment in XXXX. I filed for Income Driven Repayment in XXXX and submitted a bank statement as my proof of income in XXXX. I saw that my payments were due on XXXX XXXX ( the date when all of my loans entered repayment ). On the Navient website the bank statement ( which I submitted ) is listed as an acceptable form of proof of income. My written communication from Navient indicates that I needed to complete ( or re-file ) an application for Income Driven Repayment. I called Navient on XXXX XXXX and the first phone representative was pleasant, sent a new application and indicated that she wanted a different proof of income. I never received any written notification that the proof of income that I submitted was the issue, but that I needed to re-file the application. I would have to either : walk ( in freezing weather ) to my rental office or get one from work. I called Navient again after reading on the Navient website that a bank statement was accepted as proof of income. The phone representative debated this fact and asked me to read from the website. As I read the acceptable proof of income, the customer service, the representative admitted that she was not able to read along and could not view or navigate to the Navient site that she asked me to read from. I asked the representative to get a manager. The manager indicated that a bank statement was acceptable when someone was self-employed. I insisted that the proof of income was not rejected in writing. ( And why should I interrupt my work day to get documentation from work when I had already submitted acceptable documentation to Navient, according to their guidelines? ) The due date for my student loans was changed during this interaction with {$260.00} coming due on the XXXX XXXX ( the date that I believe was the date of my last contact with Navient ). All loans were due on XXXX XXXX prior to this call. Either as a result of the lack of job knowledge from the reps and manager or out of malice, this happened. I have not received information or any update regarding my Income Driven Repayment application status. If the bank statement is it not acceptable proof of income, I would like written correspondence from Navient. The phone reps were guessing that the reason why the application was rejected was because I used a bank statement for proof of income. Your written correspondence regarding the application does not support anything that your phone reps said. | ||||||
| 10/29/2017 | Yes |
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| I have two major issues : 1. Despite numerous attempts to consolidate all my loans under one company, I have been unable to do so. I have {$270000.00XXXX under Navient ; and three separate loans for {$24000.00} under Nelnet and one for {$3400.00} under Debt Collection. The reason I did not originally include these other loans under Navient initially is that I was advised by a Navient customer service representative that these loans would not qualify for an Income-Driven Payment Plan request once the consolidation was completed. I was later told by a separate customer service representative that this was not correct information. At any rate, I am unable to modify the consolidation to included these items and the separate payments I am being requested to pay is going to be very XXXX over time. 2. Navient 's determination that I am able to make 9 payments of {$1500.00}, 124 payment of {$2700.00} and 9 payment of {$1700.00} from XXXX until XXXX is incredibly unrealistic and will lead me to bankruptcy. Despite numerous attempts to select a reasonable monthly payment of approximately XXXX XXXX monthly given my income and financial obligation -- the payment schedule they send me does not truly take into account my REAL discretionary income. Their definition for discretionary income is income which exceed 150 % of the poverty guidelines. In XXXX the poverty level for a family of three is {$37000.00}. If you multiply this number by 150 % they are saying that I have approximately {$58000.00} in discretionary income given that my gross salary is {$100000.00} annually or {$4800.00} per month. So totally, not the case. My net pay per month is {$4700.00}. My monthly expenses are approximately {$4100.0XXXX. See below : XXXX XXXX {$2400.00} XXXX XXXX {$70.00} XXXX {$280.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$140.00} XXXX {$280.00} XXXX {$160.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$72.00} XXXX XXXX XXXX 1 {$100.00} HXXXX XXXX XXXX 2 {$25.00} Total XXXX These two items are taken from my gross income XXXX XXXX XXXX$410.00} XXXX XXXX {$73000.00} Total {$5200.00} Please keep in mind that food, gas, car maintenance, etc. are not even included. I NEED HELP!!!!! No one at Navient is listening or seems to care. I do not want to file for XXXX but may be headed down that path if I can not get the REPAYE payment plan of {$620.00} per month which was offered when I completed the electronic Income-Driven Payment Plan request. | ||||||
| 07/26/2016 | Yes |
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| Navient has ruined my credit report. I have been faithfully having {$100.00} every month taken out of my bank account for the last couple of years and when I signed up for their program they said that the monies will go directly to the principle. Not true, my cosigner has been trying to get a loan and on my report it says I have n't been paying at all " charge off. '' Upon further digging today I found that they are charging my interest. I wish I would ha e known because I would ha e claimed it on my taxes in XX/XX/XXXX and XX/XX/XXXX. I got not letter from them saying that I paid them interest. Today I was on the phone e with them for well over an hour and they just kept making me hold or sending me to another department that just passed me on to another and another. They offered my coborrower a payoff to take his name off my loan in the amount of {$3000.00} and then said they would write the whole loan off if he came up with {$600.00}. Both of us would qualify for a loan to pay this off if they have n't been reporting that I am not paying. I have had problems with this loan in the past when they were taking payments when they were not supposed to. My account according to them is on track because of the {$100.00} a month payment, but then I switched departments and they say because I have n't been making the full payment I am delinquent and that 's why my credit report says I have a charge off. Why set a payment plan up for me and tell me I am all good and then write me off as a delinquent account? My coborrower says they have been calling him every day, but they have n't called me to tell me what they are offering him or that there is even an issue with my account. I see on their website that there is a way to relinquish the coborrower, but I need good credit. How could I have good credit if they are the ones ruining it? Even though I have a payment plan with them they are charging me the remaining balance due every month. I had no idea that they were doing this. I thought that the repayment they set up with me was covering everything and all of it was paid towards the principle. They pulled a fast one on me and I ca n't believe I trusted their word, never trust your loan holder is what I am now thinking. This is the second time they have done me wrong. I have no way out, they wo n't make the {$5600.00} I owe them RIGHT now go away to clear my credit score, even though I have been paying them. Help me, please ... if there is anything you can do! | ||||||
| 07/24/2015 | Yes |
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| I 've had several issues with Navient. I took out my loan with XXXX XXXX in 2011 as a XXXX study loan. The problems started with XXXX XXXX and continue with Navient who took over my loan at some point and I was never informed until way after the fact. Since I opened the account I 've got little to no information about my loan. I 'm getting infrequent information and mixed messages about the actual amount I owe. I keep getting letters telling me to sign into an account I never set up to see something from them. I do n't have an online account so I have no way of accessing the information. I get almost no mail from them in fact for over 2 years I received absolutely no mail from them. This month I got my first letter from them that actually has an account number on it since they switched my account to Navient. Prior to which I could n't pay my account via my banks bill pay. In the past 2 years I 've literally only gotten XXXX bills sent to me with payment amounts. I 've asked to receive my corespondence by mail. Still I get e-mails telling me to check an account that I did n't make and ca n't open and no useful corespondence. I also have informed them several times of my new married name and they have made no attempts to correct it on their records. the few letters I do receive are incorrectly addressed. Furthermore from time to time I will receive persistent harassing phone calls from them. From early in the morning ( some as early as XXXX I believe ) to late at night they will often call me 6 or more times in a day everyday for months straight. I wo n't be able to identify who is calling so I never pick up but the voicemails are all recorded messages Identifying themselves as Navient employees. There are XXXX-XXXX different versions but it is always the exact same messages name plus company and phone number. The messages were exactly the same when it was XXXX XXXX as well including the names of the employees but with the company being XXXX XXXX not Navient. Finally the few times I have gotten answers as to how much I owe and what my payment should be the information has been contradictory. I 've gotten told different amounts that I owe for the same month and have no clue what my current repayment plan looks like or how much I should be paying. I ca n't make informed decisions without accurate information. The few payment receipts I 've gotten do n't show my total loan so I have no clue if things are being applied correctly to my account. | ||||||
| 11/10/2018 | Yes |
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Web | Servicemember |
| I called in on XX/XX/18 and spoke to a lady about a forbearance. She advised me that I was no longer allowed to forbear my student loans. I advised her that I have been struggling to raise a family of XXXX for the last 20yrs and I know that at some point I will have a to start paying, but not today. I still have one more child in school and hopefully after that we'll be financially stable to start paying. She said now that my loan is serviced by Navient, I am no longer to do a forbearance unless I transfer all my loans to them. I said no, that sounds like a housing refinance scam, when one servicer takes over managing an account, I have no reason why I need to refinance my student loans. She said then you have to start paying. I told her that was not acceptable. She advised she can do an emergency forbearance for 60 days, but I had to pay {$50.00} and then decide in XXXX if I want to consolidate my student loans under Navient. I have XXXX XXXX Funds student loans from Sallie Mae. One I obtained while I was in school at the University of XXXX XXXX, XXXX XXXX Ohio and the other when I went back to school with the University XXXX XXXX ( online ) to finish up my bachelors. As head of household, mother of 3, I had to finish getting my bachelors in order to provide for my family. Though the years, I've been able to progress in my career and am finally almost to a point where I'll be able to start being financially stable. Having to make a $ 500 monthly payment will continue to cripple our family and we'll never be able to enjoy financial stability. Again, I know eventually I'll need to start making payments, however until then, I would like to continue forbearing them until I am ready. The lady on the phone said I am limited to 60mths of forbearing, I told her I have been doing so for the last 20yrs with Sallie Mae, she said now that I am with Navient that I can't do that any more. She said the only way I can start doing it again, is if I transfer my loans to them. I'm concerned with losing my interest rate and any benefits of having a government student loans. I asked her to point out where in my contract that says I am limited to 60mths, and she said that she can't do that. That she's only going by her servicing rules. I told her that if that is not in my contract as a restriction, that she can not restrict me in this manner and force me to refinance. I also asked that she have someone review my contract and let me know what I am " required '' to do. | ||||||
| 10/02/2017 | Yes |
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| On XXXX XXXX, XXXX I had setup my 3rd payment to be taken out from my debit card linked to my checking account. Because of previous success payments using the same debit card I thought there would not be a problem. On Saturday, I received a call from Navient in regards to my payment and there was a problem. I tried returning the call on the same day but all I got was a audiomated system and not a live person. After numerous tries I tried calling Sunday XXXX XXXX, XXXX, but the answering system stated they were closed on Sunday. So first thing Monday- XXXX XXXX, XXXX I called from XXXX-until XXXX. I was transferred numerous times and given all sorts of numbers to call regarding my account. The service rep from Navient even transferred me to the default department. I spoke with a lady named XXXX. She advised me that she does not see any record of my account but it is showing a status of default. I asked her could I speak to someone regarding the issue of my payment not going through and why am I in default now. She explained she does not have my record but I am set up for reocurring payments going forward. Now I am totally confused and lost. So, I called back to speak with another rep. This time the rep explained to me theres nothing she can do because I am not coming up in the system and she provided me another number to call. I then called that number and again was provided with no help and still I dont no whats going on with the payment that was suppose to be processed. This is very upsetting because no one wants to go into default on a private loan. When I first set up these payment arrangements I was tolded to make 3 payments on time and my account would be brought up to date. Now theres a problem processing my card, so Navient puts me in a default status. my previous payments are as followed : XXXX {$220.00} XXXX {$220.00} XXXX {$230.00} XXXX {$230.00} I have been making my payments and if I could not keep that payment arrangement I would call to move the date. This has happen to me once before and the reversed the default and I was put back into a reocurring payment status. Now I can even talk to anyone or get account information about what happen to the payment on XXXX/XXXX/XXXX. I have had this loan since XXXX/XXXX/XXXX It 's crazy how each Navient rep tells you something diffrent regarding your account ever time you call. All I want to do is resecure my payment from XXXX/XXXX/XXXX and move forward with reocurring payments. please help | ||||||
| 09/21/2017 | Yes |
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| I am a university graduate with federal student loans that are being managed by Navient. Since graduating five years ago I have consolidated these loans and have made all my payments to keep those loans in good standing on an income-based repayment plan. This spring I received the annual reminder from Navient that I needed to submit copies of my federal income tax return for XX/XX/XXXX and an income-driven repayment plan request for my annual recertification. The due date was approaching, but I was in the middle of a move and a job transfer, so I called Navient to make sure they were going to receive the materials on time if I mailed them. I spoke to a representative who looked at my account information and told me that there was actually a window of a couple of months for me to get the materials to them, so I had plenty of time and not to worry. Though the auto-generated letters had due dates on them, the forms I was filling out did not, so I took the agent at her word and mailed the documents a few weeks later. OnXX/XX/XXXX I went online to schedule my loan payment for the month, and my minimum payment had more than tripled to over {$1500.00}. In addition, the interest on my loans had been capitalized which means that {$13000.00} of accumulated interest has now been added to the principle loan amount. I called Navient on XX/XX/XXXX and the first representative told me they had the paperwork for my annual recertification and it would take them a few weeks to process it, after which the minimum payment would go down ( which it now has and I have scheduled my payment on time ), but there was nothing they could do about the new principal balance. I then spoke with a manager ( XXXX, XXXX XXXX : XXXX ) who kept insisting that federal regulations would not let them change the principal, what was done was done, and that it had been done because I had let the status of the repayment plan lapse. I asked to speak to a supervisor and was told that their answer would be the same, but that they would call me back within 2448 hours. Over 48 hours later I have received no communication from Navient. The misinformation I was fed has increased the balance of my loans by roughly 10 %, which will increase the interest on my loans for the next x number of years that Im repaying them. After contacting Navient in good faith in order to keep my loan status in good standing, and then being misled by Navient, this seems an extremely unfair burden for me to shoulder. | ||||||
| 06/15/2019 | Yes |
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| I presently have four student loan accounts with Navient. All four of these accounts were originally opened with Sallie Mae under the title of 'Smart Option Student Loan '. Thereafter, the accounts were assigned to Navient without notice. All four of these accounts are now incorrectly reporting missed or late payments in XX/XX/XXXX and XX/XX/XXXX ( totaling 8 missed/late payments reported ) despite my diligent efforts to have Navient correct these errors. On two occasions through XXXX and on one occasion directly with Navient by mail, I have asked Navient to correct these reporting errors that are clearly contrary to the terms of our Promissory Note. Pursuant to the Promissory Notes of these loans ( see attached ), repayment of these loans was to commence after the 'Interim Period ' described in the Note in Section B ( 1 ) ( a ) as " ... approximately six months after the date the student borrower graduates. '' Additionally, according to Section D ( Terms of Repayment ), Navient was required to send me a statement setting forth the repayment schedule on or before the date of repayment. ( See Section D ( 4 ) ). To date, no such repayment schedule has been received electronically or by mail. Further, I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX, New Jersey in XXXX of XXXX. Accordingly, as the 'School Period ' of the 'Interim Period ' had ended at that time, the 'Separation Period ' had thereafter begun. ( See Section B ( 1 ) ). The Separation Period should have lasted until XX/XX/XXXX under the terms of the Promissory Note described above. However, contrary to this agreement, without notice, Navient began attempting to collect on full monthly payments in XXXX of XXXX. When I discovered that Navient reported late payments to the Credit Bureaus in XX/XX/XXXX of that year, I immediately took action on my account and began repayment while also attempting to dispute the subject of this present Complaint directly with Navient. To date, Navient has been unwilling to correct the clerical error that led to my account coming due before the agreed upon period and that ultimately led to the missed payments. Navient 's failure to correct this error is also a violation of Section R of our Promissory Note ( Correction of Clerical Errors ). In closing, Navient has acted in bad faith at every stage of repayment and the language of our agreement clearly shows that the 8 missed or late payments reflected on my Credit Reports should be removed immediately. | ||||||
| 10/03/2017 | Yes |
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| To Whom It May Concern : After the discharge of my bankruptcy in XX/XX/XXXX, I received paperwork and phonically from Navient reporting I was past due on my account. This was an account I was not aware even existed. They assured me it belonged to me and that they were the holders of a student loan debit and would be servicing the account. Little information was provided to me and I should have probed further at that time, but I went ahead and assumed it to be my responsibility. As a result I have been making monthly on time payments to the loan since then ( XXXX XXXX ) In the past several weeks I have been gathering information for all of my student loans ( interest rate, estimated payoff date ) for the consideration of consolidation and refinancing. This of course includes the above loan with Navient. While digging through the different tabs on Navients website, I discovered this loan was dispersed to a institution ( XXXX XXXX XXXX XXXX California ) I have never attended nor applied to with a disbursement date of almost 10 years ago! I quickly got on the phone with the company who transferred me to the fraud department. I spoke with " XXXX '' who confirmed that I indeed never attended that university. Unfortunately he could provide no further information on the loan and advised me to complete an ID Theft Affidavit. On Sunday XX/XX/XXXX I faxed 16 pages worth of personal information to Navient for my theft affidavit. This included social security cards, drivers licenses and passports. After three phone calls they confirmed yesterday that they did not receive my information nor could they speak to where it might be. The fax number was confirmed to be correct and the first page of the affidavit offers to reassure customers that personal security is important and my information would be protected. When asked to speak to a manager I was told no one was available. This is a recurrent theme with Navient where no one answers or you are prompted to leave a message and no one returns the call. I again spoke with " XXXX '' yesterday who provided another fax number and another mailing address ( from the original that came with the original fax number ). No sense of concern at all for this pertinent missing personal information was communicated. So now I I have had to freeze my credit which required a fee in my state and pay to notarize paper work for the purpose of the affidavit and continue to pay a loan that was issued to a school I never attended. | ||||||
| 06/21/2022 | Yes |
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| Hello, I need help and am unable to obtain concrete and actional information from Studentaid.gov or my loan servicer, Navient. This is the information I need to know it is regarding the announcement here : https : //studentaid.gov/announcements-events/idr-account-adjustment Navient services the following types of loans for me : - FFELP Stafford Unsubsidized - FFELP Stafford Subsidized - FFELP Graduate Plus - Direct Graduate Plus - Direct Subsidized I am trying to understand : - Which of the above loan types are eligible for the direct consolidation referenced in the IDR Account Adjustment news release, such that if they are consolidated, I will not lose credit for the prior payments made on these loans, when it comes to the 20-year loan forgiveness schedule? Because the announcement references FFEL loans generally, I can not determine whether and which loans serviced by Navient qualify for consolidation into Direct loans, such that for purposes of loan forgiveness, I do not lose the number of historical qualifying payments. When I called Studentaid.gov, I was told to call Navient. I did. Navient told me to submit the question vie email. I did. Their response states, unhelpfully and confusingly, Your Navient held FFEL loans do not qualify ; however, you may consolidate through the Direct Consolidation Loan program to become eligible. I sent a request for clarification to Navient, but have not yet received a response. Given that failure to consolidate FFEL loans may result in my inability to take advantage of the benefits in the press release referenced above, and given that consolidation of the incorrect type of loans may result in my losing the number of prior qualifying payments ( 10 plus years of repayment in my situation ) for purposes of loan forgiveness, it is very important that I receive accurate information. It is a damned if you, damned if you do not situation created by not being able to obtain accurate and specific information. I want to consolidate my Navient serviced loans into direct loans, but only if the consolidation will not reset the number of qualifying payments for purposes of loan forgiveness to zero. I can not obtain clarifying information from either Studentaid.gov or Navient. Without clarifying information, I am not able to make an informed decision regarding whether to consolidate my loans, because I do not know if my loan types are eligible for the benefits referenced in the press release. Thank you. XXXX | ||||||
| 01/26/2017 | Yes |
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| I heard about the law suit and wanted to thank you so much for doing this! I 've been so frustrated with Navient that I almost did n't believe it when I heard they will be finally held accountable for such unfair business practices! Here is my quick background : I graduated from XXXX school in XXXX XXXX with about XXXX $ in government- owned loans. In XXXX XXXX I was finally able to get hired as a XXXX for a XXXX XXXX XXXX company in Missouri. I have n't consolidated my loans yet and the interest rates varies between 5.6 % to 7.9 %. I 'm enrolled in income based repayment and owe about XXXX $! Here are my complaints : 1. The 0.25 % interest rate reduction ( offered to those who sign up for automatic deduction from checking account ) I lost due to missing XXXX payment should be reinstated! I was punished very expensively for not having sufficient funds one time only right from the beginig! Due to confussion, not clear communication and obtaining different answers depending on who was answering the phone, I never knew my exact due date. I was told by different Navient customer service representatives that I had many due dates because I had XXXX loans at that time and each of them had different disbursement dates, so some of them were due in XXXX XXXX, others in XXXX and others in XXXX XXXX. I called and tried to explain- but they said the interest rate deduction it 's not a right, but a benefit they provide by using Navient and not other company. 2. I make XXXX $ / month after taxes. Navient wants me to pay XXXX $ a month as part of the income based repayment plan!!! At this rate, I would be debt free in my XXXX? I called so many times and asked them to please increase my monthly payment to about XXXX $ so that way the money gets distributed over all my XXXX loans including principal not just interest. Of course, I pay extra myself every month but my XXXX, how careless of them to just let people pay the bare minimum necesary and get stuck paying loans for the the rest of our lives. I also need to save for a downpayment on a home. I really hope I 'll be able to get a second loan for my first home. 3. Navient please let students now that, if they are military spouses, and the XXXX XXXX spouse cosigns for loans, all those loans ' interest rate will be capped to about 6 % or lower. I realy wish I knew this. I could have saved so much now. I just borrowed without a cosigner. Thank you so much for reading this! Good luck and may XXXX prevail! | ||||||
| 02/22/2016 | Yes |
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| I went to XXXX school at XXXX XXXX College XXXX XXXX in XXXX from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX/Navient 's ( SMN ) deceptive practices over the course of last 8 years has left me in a crippling position with respect to my loans, private and Federal. The total original principal amount was {$200000.00} XXXX XXXX - {$96000.00} ; private - {$100000.00} ). For three years after law school, I was either underemployed or unemployed due to the market crash. Since 2011, I have made approximately {$63000.00} in payments toward my student loans. XXXX strong-armed me into recklessly prioritizing my private loans over my Federal loans. My current indebtedness is approximately {$420000.00} ( Federal - {$250000.00} ; private - {$160000.00} XXXX. For five years, I have been asking for a way to permanently reduce my interest rates. My XXXX private loans have rates that range from 8 % ( XXXX loan ) to 10 % ( XXXX loans ). Each year, XXXX enrolled me into a Rate Reduction Program that was initially sold to me as a way to permanently reduce my rates. Yet, every year I am told that I have to re-enroll for another year in order to qualify for a permanent reduction. In XXXX, I was re-enrolled and payments were set at approximately {$1000.00} ; this is in addition to the {$1000.00} payments to XXXX for my consolidated Federal loan debt at 7 % interest. In XXXX, I was told I had been rejected from the Rate Reduction program, that my monthly payments were {$1700.00} and I had to re-apply by submitting three months worth of bank statements ( and had to include 3 months of my sister 's bank statements because she had co-signed one of the loans ). I asked for something in writing explaining the application process and the Rate Reduction Program. I told the XXXX rep that bank statements seem awfully invasive. He threatened to write in his call notes that I was being uncooperative and had voluntarily rejected applying for the program. He also said that they were not allowed to share any written details of the program or the process by which they calculated enrollment/payments. I 'm completely at a loss at what I 'm supposed to do. My Federal loans skyrocketed because of the advice I took from XXXX five years ago. I have no hope for a future that is n't filled with crippling debt. I 'm XXXX years old. I have no family, social life, health issues due to stress, and no way out. I do n't want this to be the rest of my life. I do n't want to die alone. Please help me. | ||||||
| 07/08/2021 | Yes |
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| At the end of XXXX, I reached out to Navients collection department to pay off the balance of a settlement I had been paying off monthly since XX/XX/XXXX. I was informed the remaining balance was {$3400.00}, to which I responded I would like to pay it in full. The payment was authorized electronically during this call and I asked how long would it take before I would receive a letter staying the account had been settled. I was informed it would take about 30 days for the letter to be sent to me. The payment of {$3400.00} was withdrawn from my account on XX/XX/XXXX. Sometime in XXXX I called to follow up on the settlement letter I was informed I would receive during the call in XXXX. At this time, I was told it should take 60 days to receive the settlement letter. At the end of XXXX, I still had not received my letter, which at this time was beyond the 30 then 60 days I was told it would take to receive the settlement letter. It was during this call I was informed that according to their records I had not paid this balance in full and still owed a balance. I asked how this happened seeing as I was informed by a Navient employee of what the balance was. They were unable to provide me an answer to why I was not provided the appropriate balance when I called in XXXX to pay off the loan. I then asked to speak to a manager who informed me that Navient had been changing over their systems and my account seemed to have been one of the accounts that was lost in the transition. He reported he could see there was a payment but it is in limbo because of the system being upgraded and should update within a week. He reported he would put in a ticket to have this issue escalated. I called about a week later and a couple other times in XXXX to follow up and was still being informed the issue was not resolved. At the end of XXXX around the middle of XXXX after having called Navient a few days prior and being informed the issue was still not resolved. I received a letter stating they received the final settlement payment of {$3400.00} on XX/XX/XXXX. This is inaccurate as they should have received the payment on XX/XX/XXXX according to my bank statement. I called to have them update this in their system to align with when the payment was actually made and received the same letter about a week later stating the final payment was received on XX/XX/XXXX. I would like this to be updated to accurately show when the account was actually settled, which is XX/XX/XXXX. | ||||||
| 04/20/2019 | Yes |
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| I have contacted Navient a plethora of times in an effort to lower my monthly payment. The most recent being XX/XX/XXXX. I have two loans now serviced by them. My first loan which was initially serviced by Sallie Mae is from XXXX University that was distributed on XX/XX/XXXX in the amount of {$31000.00}. It currently has a 11.5 % interest rate which they refuse to lower and a current balance of {$55000.00}. My new monthly payment is {$580.00}. Last year it was {$340.00}. My second loan which was initially serviced by XXXX XXXX is from XXXX University that was distributed on XX/XX/XXXX in the amount of {$24000.00}. It currently has a 8.75 % interest rate which they refuse to lower and a current balance of {$23000.00}. My new monthly payment is {$250.00}. Last year it was {$240.00}. I have called Navient to inquire about consolidating them since they both are serviced by the same lender in order to have one payment and one interest rate. I have literally begged them for a lower monthly payment and have been told there is nothing they can do. Most recently in XXXX the representative told me they can not lower my payment because my credit score is too high which proves to them that I do not have issues paying my bills. I was advised to not pay my loan amount which will put my account in default which would result in a lower credit score and ultimately prove I need assistance with a lower payment. This is the most insane feedback I have ever heard. As a individual who has taken pride in having a flawless credit score, I would have never imagined hearing this type of suggestion to show a borrow is in need of help! Navient has in no way, shape or form tried to offer lower monthly payments. They simply will offer paying off just the interest to lower your payment for a short period of time which in turn will ultimately increase your monthly payment once that time period ends. Additionally, they are refusing to release my co-signer! I personally have never missed a payment on my loans, but its unjust to be stuck with a loan servicer who could care less about their borrowers and their monthly payments amounts. Navient has about 12 million customers and services more than {$300.00} XXXX of government and private student loans. The greed they possess is disturbing and the borrowers need immediate assistance. We all want to pay our loans off, but we want to be able to live and enjoy life as well without the burden of a {$1000.00} monthly payment. | ||||||
| 09/28/2018 | Yes |
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| Ive been having issues getting payments through to Navient for about 3 years now. Theyve given me inaccurate and inconsistent information time and time again. Not to mention the wait time Ive endured just to even speak to a representative. On numerous occasions Ive dealt with representatives who were irate and had really bad attitudes with me, about MY loans. Ive been threaten before by a representive stating that theyre going to come after my mom. Theyve made threats of ruining my credit so I wont be able to purchase a house some day. The straw that broke the camels back for me was a recent occasion. I called and spoke with two different representatives, one telling me theyll need a payment from me for x amount at an x interest rate. The representive got an attitude after I asked questions about MY loans. She puts me on hold for five minutes. Afterwards, I heard her pick up the line, then she literally hangs up the phone in my face! I call back and again, I have to wait another hour before I speak with someone. A guy answers the phone and I explain to him what happens and that I want to file a complaint against the last representative. He seemed sympathetic. After about 5 minutes into the conversation he began to go over the same thing the last representative went over with me. This time he pulls up the previous representative notes and now hes telling me I will be charged a y amount at y interest rate. Both the interest rate and amount to pay increased drastically within an hour. I told him that the last representative mustve put some things in her notes to make things worst for me because she was at odds with me after me questioning her. Then he began to tell me, sir, Im going to charge you y amount now at y interest rate and there is nothing you can do. Now Im wondering how did things change so quickly, so I asked him. Sir, how did the rate of my loan change so drastically since my last phone call with the last representative, he rambled on and on about what he can only allow me to pay back. I then realized that he wasnt giving me an answer so I declined to discuss anything further and now Im here. Ive been experiencing issues with Navient for too long now and I want answers. Because, I feel as though theyre trying to keep me in a trap, so I can never be financially freed from them. Please please please help me receive some understanding. If there is any more information that I can provide Ill be more than willing to work with whomever. | ||||||
| 01/20/2017 | Yes |
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| I just learned about Navient being sued for cheating borrowers and having read the complaints, I fit the description. Originally, I just thought this was just how student loans were so I thought it was the norm. Navient has done the following that was either misleading, inaccurate, or just plain ignoring me : 1 ) I sent several emails through their self-service contact form, but never ever received a response back, phone support denied that any were ever sent, but you have to be logged in to submit the contact form. Unfortunately, I have no proof that I submitted the contact forms since they do n't send you email confirmation or show a form # when submitted. Just that it 's submitted. They have no listed contact emails and their only emails are no reply emails. 2 ) Phone support lied and gave me inaccurate information from their website in their FAQ section. I graduated in XXXX of XXXX, so my grace should 've ended in XXXX depending on the loan, which they were based on their website. But when the time passed, I saw online that it was pushed to XXXX XXXX without any notice or indication that there was a change. I asked about it and they did not give me answer other than the grace period is what it is and was not changed as it is based off your graduation date. Grace is clearly 6 months, so how is it possible that grace period was pushed another 6 months when my graduation date is easily fact checkable and verifiable. They obviously wanted to pull the wool over my eyes so I would keep paying the minimum so they could accrue more interest. 3 ) Due to the high loan interest and recently having a daughter, the impending monthly payment was going to be too much though this was before I found out that grace period was pushed, but I called to see if I could look into rate reduction. They said I can only claim forbearance if myself and co-signer call for bankruptcy which sounded ridiculous since their website says there are options to help you, not make things worse. The next day, I get an email that my request for a new repayment plan was denied, but I never requested a new repayment plan, I just wanted to inquire. I did not consent to applying to anything new. I am so glad someone is looking into them because for years I thought this was just the norm and to XXXX it up, but I 'm glad I 'm not the only one being wronged by this company and that action can be taken. To reiterate, I have been misled, misinformed, lied to, and ignored by Navient. | ||||||
| 06/22/2019 | Yes |
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| Late payments reported for XXXX and XXXX in XXXX. I never received a bill requesting payment. I received a phone call from Navient informing me that I was behind on my payments and requesting a payment, which I notified the representative that I never received a bill and that if I would have received a bill I would had taken action to the matter to prevent late payments. Per Navient representative the bills were emailed to me, at this time the representative was informed that email was not my preferred method of communication as that time I did not own a computer, lap top nor smart phone and requested communication via U.S Postal Mail. During that phone call I informed Navient representative that I was unable to make any payments at that time as I was still looking for a job after graduating- ( assuming all calls are recorded ; this conversation may be audible though Navient 's recording system ). The representative recommended a deferment in which I took immediate action and completed all the requested paper work. On XX/XX/XXXX I mailed the Credit Bureau Management for Navient to dispute the late payments reported as I never received a paper bill. XX/XX/XXXX Attention : Credit Bureau Management Account # XXXX I am requesting that the delinquent payments reported to the three credit bureaus in XXXX, XXXX and XXXX of XXXX be removed due to the fact that I never received a bill requesting payment. I did receive a phone call some time after that requesting payment because they were late, in which I did tell the representative that I never received a bill. I then took action to apply for a deferment at that time. Sincerely, XXXX. I did not receive a response to my dispute, it wasn't until XX/XX/XXXX at XXXX when I contacted Navient to follow up with any results in which I was informed that my dispute had been resolved, that they disagree with me and that an email was sent to me with an explanation. I informed the representative that I never received and email then I was told to check my spam or contact my internet provider if I am not getting emails. I questioned why didn't I receive the explanation in the mail by paper, and that this is what happened with my initial bill in XXXX that I never received and that a representative was informed back in XXXX that my preferred method of contact was via U.S postal mail. I have checked all my emails-spam, inbox, deleted and still do not see an email from Navient with the dispute explanation. | ||||||
| 01/20/2017 | Yes |
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| I had submitted my paperwork for a renewal of my income based repayment plan in late XX/XX/XXXX or early XX/XX/XXXX. My expiration date of my current years payment was in XX/XX/XXXX, so I figured that I would get a head start by submitting my paperwork early. I had called later in the month to make sure that all documents were received. I was told they had been received, they told me my new payment would be XXXX and all I had to do was wait till XX/XX/XXXX to get my new payment. When I got my XX/XX/XXXX invoice, my payment had skyrocketed to over XXXX dollars. I called Navient and they said it must have been an error and that they would fix it. I asked if I could pay the XXXX and they said no, that that would be considered an incomplete payment based the amount they said I owed. My only option would be to defer the payment for another month while they fixed this issue, but that interest would accrue on the amount. Come the next month, the payment was still over XXXX dollars. I called back again and they acknowledged that I had called them and discussed the issue and that it should have been fixed, but that I would have to defer my loan for another month so they could fix it. I told them that they had told me that already and that it was n't fair that I had to pay interest bc of their mistake. The next month it was still not fixed! It took several phone calls to get this cleared up, I had asked to speak to speak to supervisors and all assured me it would be fixed and that if I paid the XXXX, I would still owe the balance and they would send me to collections. I was forced to accept deferment for several months. I finally called in XX/XX/XXXX and demanded to speak to another supervisor, this woman was able to fix the issue within minutes of the call. I asked her why this was not done during the many other calls I had made and she had no answer. I told her that I should n't have had to defer my account bc of their mistake and she said, " Well, you agreed to it '' I told you that the company had agreed to fix the mistake and that they had broken their end of the verbal contract. I was very angry and ultimately, the payment was fixed but I still accumulated interest bc they did not process my paperwork and failed to make good on the several promises to fix it and I was threatened to be sent to collections if I did not defer. I accumulated loans from XX/XX/XXXX-XX/XX/XXXX for University XXXX and from XX/XX/XXXX-XX/XX/XXXX at XXXX University. | ||||||
| 02/29/2020 | Yes |
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| I have been very ill, and on XXXX for many years and paid little attention to a private student loan I took out twelve years ago in California to return to school to complete my degree. For years, I did my best to make interest only payments but did not monitor my loan accounts until I recently applied for a XXXX Discharge and discovered several " impossible errors '' with Navient 's online financial records and data. After months of research I discovered that a serious error has been made in regards to a Private Student Loan I took out with Sallie Mae ( now serviced by Navient ) in the Spring/Summer of XXXX to attend XXXX XXXX XXXX in XXXX, California. Navient claims that I took out two seperate loans in the amount of {$4500.00} each but I think this is 100 % inaccurate since I attended the school only halftime both term and there is no way that Iapid {$9000.00} for three course. Navient has mailed me photocopies of what they claim to the original promissory note, however I am almost certain that the note has been altered, and was either lost and re-typed, or who knows? Impossible to believe but I can prove without any doubt that they have made other " impossible errors '' with my accounts. The promissory note has my phone number lister incorrectly two times out three times I was required to list it, and is completely blank in the section ( Section D ) that the school and the school 's financial aid were required by law to fill out. Yet there are no signatures, no names no official stamps, no loan disbursement dates on the note. The school section is 100 % BLANK. Unfortunately too many years have passed for me to check my own personal bank records to verify deposits I made during that time, so I require my entire student file from XXXX XXXX XXXX, along with a Student Ledger, and any copies of anything I may have signed 12 years ago to properly review, research and audit everything anything connected to my return to XXXX XXXX XXXX in XXXX, and the loans I am being told that I owe. HOWEVER ... despite multiple efforts by both myself and a Navient Customer Advocate to reach the school, multiple messages since XXXX of XXXX, multiple e-mails to the registrar, accounting, and the Director of Admissions ( a kind lady who knew me back in XXXX XXXX, NO ONE FROM XXXX XXXX XXXX has returned a single e-mail or phone call. I need help to reach someone at the school, anyone, who can help me get a copy of my student file and any/all loan information. | ||||||
| 03/14/2018 | Yes |
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| On XX/XX/XXXX I got a student loan for {$13000.00}. I now owe {$75000.00}. This is due to forbearance and deferment options offered to me over the past 20 years. I now receive XXXX XXXX payments. I was deemed XXXX 6 years ago with my reevaluation next year. I called Navient yesterday to find out why there were no interest charges on my account only late charges. He tried to explain to me that capitalized interest was the late fees and these were applied to the principle or something to that effect. I applied for an income-driven repayment plan which was not accepted because my husband did not sign the form. They told me I had to resubmit with his signature. I refuse to do this as him signing papers on my loan would legally make him responsible for the loan. We were not married at the time of this loan and were only married 7 years ago. When I explained this to Navient they said that he would not be responsible for the loan legally but to apply for an income-driven repayment plan we had to count the total household income. That's pretty shady to me. A loophole I suppose. I have applied for a permanent and total XXXX discharge as I have COPD which is terminal. My physician will not sign off on the papers as he says that it states my condition will result in death within one year. I am only in the early stages as of now. I have submitted documentation of my illness in the form of medical records from my doctor but they were not accepted. Navient also explained that if I am on XXXX XXXX and it is expected to last 7 years or more, I am eligible for permanent and total XXXX discharge but must get a letter from XXXX XXXX XXXX stating such. I do have a letter from the XXXX XXXX XXXX stating that they will reevaluate every 3 years. However the 3 year Mark has gone and I am coming up on 7 years. I have tried on numerous occasions to compromise with navient but to no avail. Had I known this loan was going to be outrageously difficult to pay, I never would have considered a loan. The principal on this loan is {$73000.00}, interest {$610.00}, {$1200.00} in late fees and total payment due is {$1800.00} on XX/XX/XXXX. They seriously expect me to come up up with this amount of money. Our monthly income is barely over that. To my knowledge, income-driven repayment plan was only a recent thing. I was never told about this during the time of this loan and was always offered forbearance or deferment options. How can they get away with this? What can I do? | ||||||
| 08/30/2017 | Yes |
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| The first and most prevalent situation being the financial, I secured two different student loans totaling {$74000.00} through Sallie Mae, then consolidated them in XXXX to begin repayment. Over the years the loans were consolidated and that consolidated loan was transferred to XXXX XXXX. During the life of this loan I have made 187 full and partial payments averaging {$620.00} per payment for a total of {$110000.00} paid toward principal and interest on the loan. There have been times that I have deferred payments through XXXX Forbearance option, for an estimated total of 25 months out of the past 209 months. A side note, Navient is currently being sued by the States Attorney Generals of Washington and Illinois for predatory lending practices and over use of the Forbearance option which is vastly more expensive for the consumer as compared to other available options for payment allowances. Navients preferred use of the Forbearance is predatory and overwhelming slanted toward enriching Navient. This loan is compounded daily at 8.25 % interest, during the forbearance periods that I utilized, the interest is capitalized thus increasing the principal balance at a rapid rate. Meanwhile, at no time does Navient provide monthly statements itemizing the principal balance, capitalized interest added or the new balance amount, thus leaving the consumer virtually unaware of the compounding affect of forbearance on their overall position with Navient. The total capitalized interest as per Navient records during times of Forbearance totaled to {$28000.00}, meanwhile the current principal balance has increased from the {$74000.00} to a new total of {$83000.00}, despite 187 payments totaling {$110000.00}. I am not a forensic accountant but I do have a better than common understanding of accrued interest and debt service. these numbers combined with Navients failure or refusal to produce monthly statements itemizing totals and balances, lends me to suspect outright fraud. Navient will only produce documentation pertaining to payment history and capitalized interest ; there is no record of past or new balances on a monthly or even annual basis. If, for lack of any other choices, I continue to pay off this loan through full amortization I will have been required to pay $ 750+ per month for a total of {$270000.00} ending year XXXX, for an original {$74000.00}, I will be XXXX years old. If this is the price for bettering yourself, what is the point? | ||||||
| 01/24/2017 | Yes |
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| Before XXXX XXXX was transferred to Navient, XXXX XXXX, by mistake had made my Father the primary loan holder and myself the co-signer. Prior to my graduation from college 6 years ago, we had been trying to resolve this issue to no avail. Once the loan was transferred to Navient, a lot of paperwork was lost between the XXXX service providers, so my Dad and I began trying to remove myself as co-signer from the loan entirely. At the time, the account was in good standing, as the payment was only $ XXXX- $ XXXX/m. We were told on more than one occasion that removing myself as a co-signer was not an option. Now, my Father is deceased as of XX/XX/2016 from XXXX at the age of XXXX ( which Navient had the audacity to tell him he was lying about even being sick ). In light of the federal lawsuits being held against Navient, I learned that there were in fact processes that my Father and I qualified for on several of my loans ranging from income based payments ( because I made {$28000.00} a year when I graduated from school and could n't afford a $ XXXX/m payment ) to removing co-signers from a few of my loans ( my grandmother is a co-signer on some of my loans and during financial turmoil, it ruined her credit, my father 's and my own ). Now that my Father is deceased, NAVIENT told me I am the primary loan holder and no longer qualify to be removed as a co-signer, even though they purposefully withheld the process from us for over half-a-decade. Knowing now, that we did qualify for several programs that were never offered to us, even though I begged for reasonable programs to do so, we were constantly forced into forbearances that only increased the amount of interest we owed on my loans. There was even a point during the recession where we had all been laid off and we were told Navient 's hands were tied and we would just have to default. They garnished over {$10000.00} in tax returns WHILE MY FATHER HAD XXXX, when they had programs that could have helped us. All I ever wanted to do was have the ability to pay back what I owed, instead I was treated like a lowlife looking to get out of repayment, simply because I could not afford it and NAVIENT was actually withholding the programs that could have enabled me to do so. I have seen my loans increase almost 33 % over 5 years from compounded interest and I am just now able to afford paying back my loans. This all could have been avoided and I am deeply insulted and seeking legal council. | ||||||
| 05/20/2022 | Yes |
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| This student loan originated XX/XX/1996, original amt was {$38000.00}, it is an FFELP consolidated loan, I was a student then and my husband had graduated and we got call after call about reconsolidating our student loan debt, locking in interest rate ( 9 %- which may have been decent back then ), eventually we did consolidate. Since then, it has been a LIVING nightmare. My husband has a XXXX XXXXXXXX, is currently on complete XXXX, we had to place loan in deferment/forbearance at times when he would be hospitalized. Fast forward to current, HIS original principle was d/c years ago based on his being XXXX, but I have now been assigned full burden of this loan and EVERY year I fill out my IDR application and Navient literally does not process my application in a timely manner, there are numerous obstacles thrown up by them which takes ALOT of time to deal with as it is almost impossible to speak w/anyone who can actually help, I have to escalate to supervisors and often times NEVER get the call back that I was promised ... I document EVERYTHING. I am a registered nurse so I know how to document and I do so thoroughly. I have been told that nobody can touch this loan - meaning I can not consolidate its ( I think now I can under the new rules? but I was advised NOT to because my payments start over ), Navient has put my loan into forbearance WHILE THEY PROCESSED THEIR OWN ERRORS ( I start the IDR application at least a month and half before it's due - and it NEVER FAILS to go passed the deadline because of THEIR ERRORS ... .my time has been reset and my payments set to zero toward the 120 payments, I have always made my pmt 's even when in the forbearance THAT THEY HAD TO PUT IT IN DUE TO THEIR NEED FOR MORE TIME TO PROCESS - BASED ON THEIR ERRORS- and I'm told that it's just tough luck, nothing can be done about that... there is nobody that I can speak with about it, it is literally SO WRONG and I can not imagine ILLEGAL at this point. My loan did not qualify for XXXX forbearance nor any Covid assistance plan, I have made my payments on time through both while other loans allowed no payments and/or froze interest accumulation ... .I have ALL OF THE DOCUMENTATION to support my claim and I am 100 % wanting to do whatever I have to to see what can be done for my loan/situation but also to prevent this from ever happening to anyone else. This has caused me SO MUCH STRESS AND XXXX over the years- I'm done playing their game. Please help me. | ||||||
| 01/03/2019 | Yes |
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| I currently have 5 direct loans serviced through Navient. I recently paid 2 of my 5 loans off. When paying the loan online, Navient quoted one price but it turned out that the loan was actually a lesser amount due. I over paid the amount owed, and realized I had over paid the loan 2 weeks after the payment was made. I contacted Navient in regard to this situation, and requested a refund for the over payment amount. Navient responded with an apology for their system not catching the error and submitted a request to their refunds department. On XX/XX/XXXX, I was told that a check had been cut and sent to my address. Around XX/XX/XXXX I noticed I had not received anything in the mail and followed up with Navient. Navient then told me the process takes about 3-4 weeks to receive the check in the mail. I made them aware that time period was closely approaching and I would wait for my check to come as that 4th week approached. On XX/XX/XXXX, I called Navient again, they told me they hadn't sent the check the first time that it was actually sent XX/XX/XXXX. I would then again have to wait 4-6 weeks for my check to arrive and that it was no fault of theirs but the U.S. Treasury 's and there was nothing they could do to expedite my payment. On XX/XX/XXXX, I called once again, and I was told they didn't know what happened to my check but I should get it whenever it arrives and the U.S Treasury is the hold up. I then spoke with a manager and he was able to cancel the check and offer to put the funds directly in my account. I agreed. The manager then cancelled the check then told me to expect to wait another 6 weeks, as I would have to go through the waiting process all over again, because a different form of payment was being processed. I angrily asked, " Why he didn't explain this to me before he cancelled the other check?? '' He had nothing to say. I called again today and was given the same run around. He even went as far as to say, " Maybe we already paid you, and you just forgot.. '' The agent used the same script as the other agents and nothing is being done to refund my money. This isn't right and I feel this should be looked into. Granted the over payment money may not be much to most people, I work very hard for every penny I have and people shouldn't be treated like this. Any assistance would be greatly appreciated. Thank you. Step 4 : What company is this complaint about? Step 5 : Who are the people involved? | ||||||
| 03/22/2018 | Yes |
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| I believe Navient has a major issue with the way they are processing my payments. I have Auto-Pay set up, the payment then goes through my XXXX XXXX XXXX account/shows up as a charge in my bank account, then, fast forward a few days and I get a notice from Navient saying my " Payment Reversed '' and the loan is now delinquent. This has happened for several months now. I finally just got off the phone with both my bank and with Navient. Navient states that they have my correct Bank account number and routing number and are insisting that this is a problem with my bank. My bank shows no history of Navient trying to charge my account On XX/XX/XXXX, my loans came out of forbearance, ( Navient told me I should use forbearance rather than deferment ), knowing my account was set up for Auto-Pay prior to the forbearance, I left the account alone, knowing to be paid automatically through Auto-Pay. On XX/XX/XXXX, I got an email from Navient stating a " FFELP 1st Delinquency Notice ''. However, my account was set up on Auto-Pay so this should not have happened. XX/XX/XXXX, I receive an email from Navient stating " Payment Not Processed '' on all of my loans connected to the Auto-Pay and also an email stating " FFELP 2nd Delinquency Notice ''. At this point, XX/XX/XXXX I call Navient, speak to a representative and we decide to RE-ENROLL in Auto-Pay and the rep placed me on a 1 month forbearance resuming payments XX/XX/XXXX. XX/XX/XXXX, I receive and email from Navient approving my Auto-Pay enrollment success. So, I sit back and wait thinking my payments will go through and I will be back on track with proper repayment status. XX/XX/XXXX, I get an email from Navient stating my " Auto-Pay Terminated ''. And at that point I made a DIRECT payment through my bank account that showed up in my bank account, which was then later " Reversed '' by Navient. XX/XX/XXXX, I RE-ENROLL for Auto-Pay a SECOND time and receive an email from Navient stating " Auto Debit Enrollment Approved ''. XX/XX/XXXX, I get an email from Navient " Payment Not Processed '' on ALL of my loans. I just called Navient and they suggested I make a payment using my debit card over the phone, which I did. They insisted that it was an error on my bank or my part. I am frustrated beyond belief. I am trying to honor my repayments and maintain a good standing but Navient is making it EXTREMELY difficult to repay my loans. I believe there is an error in their payment processing system. | ||||||
| 05/01/2017 | Yes |
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| My husband and I both graduated from law school in the mid XXXX 's and XXXX XXXX suggested we do a joint consolidation of ou r Fede ral Student Loans. This has been a disaster as we are not ineligible for Public Service Loan Forgiveness, but th e communication issues and bad advice did not stop there. In XXXX , we applied for an Income Driven Repayment plan an d we were approved. We had a payment of {$0.00} for most of the three years we were on the plan. At some point during this time, XXXX XXXX switched to Navient. Navient lo st our paperwork for XXXX , even though they sent us an email saying they got it. The girl I talked to on the phone told me that our payment would still be {$0.00}. I did not think another thing about it until XXXX XXXX . I recieved a call from a company called XXXX telling me our student loan was in Default. ( Our cred it is now ruined thanks to this ) and we had no clue that there was even a problem. I calle d Navient an d they claimed to have NO RECORD of this loan or transaction. Based on what I can tell from XXXX , Navient apparently had transfered our loans to a state agency in NY -- - XXXX ? who again never contacted us, and even if they had, we would not have known who they were or that we had ever agreed to do any business with them ( because we did not ). I sent XXXX ( at there r equest ) a n email asking them to open an investigation into the matter in mid XXXX . Ab out 2 weeks a go, we recieved a letter telling us the investigation was still ongoing and that we did not have to do anything. Then today, on XXXX XXXX , we received packets from this XXXX and XXXX telling us that we have 11 day s ( until XXXX XXXX ) to request a hearing and a copy of our records in writing, or they are going to pursue a garnishment against us. We have had zero communication regarding the outcome of the investigation, and this should require a minimum of 30 days notice under the FCRA. Most shockingly, our balance was increased from {$170000.00} to {$210000.00}. I was laid off at work this month due to funding cuts, and so this is causing me significant stress. My husband is a school teacher, and we are just not in a position to pay the original debt much less the extra money they added on due to their error. They refuse to listen to me or properly investigate this matter, and I am really hoping you can help since you are familiar with their shady business dealings. | ||||||
| 09/28/2015 | Yes |
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| Hello-I need your help, I am being treated very unfairly by a student loan company called Navient. I feel as if they are committing fraud or that they have been ripping me off. This is regarding my private student loan accounts I have with them. Recently the accounts went from XXXX to Navient. My private loans total around {$14000.00}. My payments were on an interest only plan for quite sometime due to me extending my payments off until I could not anymore due to financial struggles. Meaning I paid only interest every month for years, not one dollar was going to my principle which I understood. Navient then tells me the interest loan repayment plan was over, and my payments would start going to my principle. When I got my monthly bill statement I noticed it increased from XXXX to XXXX. I called them immediately and told them I was a single mother of XXXX children and could not pay the full amount with the new increase. I told them I could not afford it and I needed them to work with me to get it down to what was paying which was XXXX. They went from one customer service agent to another, then to the supervisor because each one of them told me the same thing, they could not do anything for me. The supervisor told me the same thing as well, I had to pay the XXXX a month. I then asked lets say I was able to pay the XXXX a month thinking well I have already finished paying the interest only payments for a couple years maybe I will now be paying a lot more towards my principle, and finish soon, nope. ..he starts to tell me the contrary, that he calculated XXXX would go to interest and the rest to my principal, and according to his calculations the pay off time would be in 2028, 13 years from now. I explained once again my financial struggles and still he went on to tell me I should make my payment every month even if it is the {$150.00} or else they could garnish my checks. I told him how do you expect for me to pay your company the {$150.00} I can afford if your telling me that would not even cover my monthly accrual interest? I told him I would never finish paying you guys off then. He told me he understood but that there was nothing he could do for me and that I had agreed to all of it when the loan was given. Do you guys think this is fair? To make monthly payments of XXXX for the rest of my life and never have one dollar go to my principle? I need help, please refer me to someone, I am desperate. Thank you for your time. XXXX XXXX | ||||||
| 04/03/2017 | Yes |
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| I submitted applications for Income-Driven Repayment ( IDR ) and Public Service Loan Forgiveness ( PSLF ) on XX/XX/XXXX. Around the same time, my loans were also consolidated. The IDR was supposed to limit my monthly payments to 10 % of my monthly income, but my payments were only lowered to about 24 % of my monthly income. I called multiple times to inquire about this, and was ultimately told that my total loan amount was so high that it would not be possible to limit my payments to 10 % of my monthly income. I was reassured that I was enrolled in the PSLF program, however. On XX/XX/XXXX, I called about a different problem, and decided to ask about this issue again. This time, I was told that my IDR application was received but never processed. There was no further explanation. I was told that my initial application ( the one that was received XX/XX/XXXX but ignored ) had expired, so I submitted a new application that day. I was told again that I was enrolled in the PSLF program, though. On XX/XX/XXXX, I called to check on the status of my new IDR application. I was offered the option of postponing my current month 's payment until the new IDR application was processed, and I asked if that would affect my PSLF payment plan, since I am supposed to make consecutive monthly payments for ten years to qualify for loan forgiveness. I was then told that I was not enrolled in the PSLF program. I was given a different phone number to call to verify this. I then called that number and reported that I had submitted my PSLF application on XX/XX/XXXX and I provided the fax number I had submitted it to. I was told that, while that was the correct fax number, my application was never received. Again, I submitted a new application XX/XX/XXXX. My total federal student loan amount is over {$400000.00}, and I have already made XXXX ; {$20000.00} in payments in less than a year. I am extremely concerned that over the course of multiple applications submitted and many phone calls made, I have essentially been lied to about the status of my applications and the reasons for why my monthly payments are so high. Even if I had not been lied to, I now have XXXX applications that were never processed for unknown reasons - the IDR that I am told was ignored and the PSLF that I am told was never received. I am reaching out to the CFPB because it is impossible for me to advocate for myself when I am not even being given accurate information by the lender. | ||||||
| 01/19/2017 | Yes |
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| Applying funds incorrectly for two years after following Navients procedures for applying extra funds. Instructions were given in writting more than three times as well as verbally. Not responding to questions or customer service requests, multiple times over two years. Was not given income based options for repayment and was instructed that the best option was forbearance if I could not pay the minimum due. No notice of forbearance ending, forcing me to consolidate XXXX loans they purchased at a an interest rate 3X of my locked rate or tripling the monthly payment amount which I could not afford, went from 1.9 % to 6.8 % on purchased XXXX loan to the rate of with XXXX loans. Without notification and unannounced reported incorrect information to credit reporting agencies, then would not report status updates correctly or resend errors that were reported to the credit agency 's. Made multiple written request per their procedures to correct the information given the the credit agencies. Completely non responsive in writting or follow through with their own procedures. The online information is deceptive to borrowers and contacting Navient at the phone numbers would lead in circles with no resolution, if you could be put on hold and wait for up to an hour and a half. Making and applying extra funds could not be found nor given the option to apply extra funds to principle as thier website instructs forcing you to apply additional funds towards interest instead of principle paying down principles after interest is paid. Navients instructions, website, communication, and responsiveness is misleading and methods are consistent with predatory lending similarly as seen in the mortgage lending crisis. I have never experienced such poor service and communication. I was consistantly reminded and threatened financial repercussions if I did not choose their repayment option or follow thier produces that Navient did not abide by themselves. I was continuously threatened with pentalties, fee, and credit reporting reporting if I did not choose their offers ; all of which has cost me more in interest at higher rates after consolidation. They would threaten and did access fees and penalties that were disputed which they will not credit but will apply to the total balance and charged interest. Navient is the absolute worst servicing or financial institution I have ever experienced. Schools attended : XXXX, XXXX University ; XXXX XXXX, University XXXX. | ||||||
| 02/25/2020 | Yes |
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| Dear Staff, I contacted Navient Student Loan Servicer on XX/XX/XXXX, XX/XX/XXXX, to discuss the continuing my loan payments under the 6-Month Rate Reduction Program or re-enrolling in the Term and Rate Reduction program but was told the only program I qualified for was the 6-Month Rate Reduction Program where I had to agree to a brand new 30-year payment program every six months. I was told the reason for not qualifying for the Term and Rate Reduction program was because I called at the wrong time. Each time I called and under duress reluctantly agreed to the terms my rate increased. Today, XX/XX/XXXX, I called to discuss the continuing my loan payments under the 6-Month Rate Reduction Program or re-enrolling in the Term and Rate Reduction Program but was told the only program I qualified for was the 6-Month Rate Reduction Program where I had to agree to a brand new 30-year payment program every six months. This time I asked why am I not eligible this time for the Term and Rate Reduction Program and was told Navient is not offering the Term and Rate Reduction program because " We just aren't offering to you, and I don't see where you were ever offered that program. '' I explained to the gentleman that I am retired and can not afford my rate to increase and he shared that he was very sorry but there isn't anything else that Navient can do. I asked about refinancing through their sister company NaviFi or Settling the debt and locking into an affordable payment plan since the interest accrued is double the original loan amount and with an interest rate of over 14.0 % : Loan XXXX : Original Principal {$4700.00} Current Balance {$12000.00} Interest Rate14.625 % Interest Type : Variable Loan XXXX Original Principal {$7400.00} Current Balance {$18000.00} Interest Rate14.625 % Interest Type : Variable Loan XXXX Original Principal {$3400.00} Current Balance {$7800.00} Interest Rate 14.625 % Interest Type : Variable I am retired and I am recovering from Bankruptcy and I just need a payment that isn't going to cause me to lose my housing. I have been looking for refinancing and consolidation but I am not having any luck, yet. My only recourse is to agree to another 6 months, another 30 years, and return to Bankruptcy Court to declare undue hardship. I am only asking for Navient 's assistance to continue paying ; if I had understood that private loans were this much trouble, I would have never signed up. Please help me. Sincerely, XXXX | ||||||
| 03/29/2018 | Yes |
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| We have been making interest-only payments on our student loans beginningXX/XX/XXXX without issue until Navient made a payment system and UI change to their website in the beginning of XX/XX/XXXX. As of ourXX/XX/XXXX payment we have been forced to call Navient every month to have the payment on the consolidated loan reallocated to what was originally requested in their online payment form. Prior to XX/XX/XXXX, Navient has allocated our payments as requested, the full {$35.00} going to the unsubsidized portion of the consolidated loan ( 1-03 ). As of the payment on XX/XX/XXXX and again with the payment made on XX/XX/XXXX, Navient has split the payment across both loans ( XXXX Subsidized and XXXX Unsubsidized ). We have been forced to call 3 times to resolve the issue with the 2 payments, as one gentlemen refused to help. We understand there are regulations around consolidated loans being paid off congruently, however, there is {$0.00} due on both portions of this consolidation loan as it is on an Income Driven Repayment Plan as well as In-School Deferment status. The only logical way to process a payment in this scenario is how Navient had been processing it for each of the prior 12 payments : the entire {$35.00} payment that we directed to the Unsubsidized loan ( 1-03 ) should be made to it and never split, again, as they had been for the prior 12 payments. Navient has offered no permanent solution to this problem - aside from the gentlemen who refused to help made what seemed to be an IT related joke about how it's programmed. We have been disgusted with XXXX XXXX and Navient ( since they took over our loans ) ever since XXXX XXXX allowed loans to default without making any communication attempts via email, phone or even postal mail! We've attached a screenshot of the payment history showing prior and current allocations of our payments. You can see the payment forXX/XX/XXXX was split, despite submitting it the same way as all previous payments, which clearly shows {$35.00} being allocated to loan XXXX and {$0.00} to loan XXXX. You can also see how we allocated the pending payment for XX/XX/XXXX, which ended up being split and required a call to reallocate it. Sadly, I have to keep a detailed spreadsheet of every balance, payment, confirmation number and how Navient applied the payment because they aren't a trustworthy servicer and don't provide line-item detail in their statements - oh wait, they don't provide statements! | ||||||
| 09/30/2017 | Yes |
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| Navient removed me from the Income Based Repayment plan in which I had been enrolled following graduation in XXXX. They stated to me that I no longer qualified for regular IBR and would be required to enroll in the Revised-IBR. - Representatives and even the Office of the Advocate refused to explain how the Revised-IBR works nor why I no longer qualified for Revised-IBR - My payments have been artificially high and with this new program my husband was made to share in the responsibility for my loans but his name is not on any of them - The last time I took out a loan was for the XXXX academic year so I do not understand why I am being subjected to these new rules - When they first rejected my IBR request in XXXX, after I had already been enrolled in the program, my payment was set to exceed {$1900.00} per month - I was under the impression that I have the right as a borrower to enroll in the program of my choice. They denied my IBR request. Being forced into the Revised-IBR without knowing anything about it further violated my rights because Navient should have been able to provide an explanation as to why they were denying my participation in the IBR and forcing me into the Revised-IBR I just learned about the Revised-IBR approximately one week ago, after two years of struggling to lower my payments and filing with you previously for assistance. I discovered that this program is for individuals who are in high earning fields with an expected income that will at some point near, meet or exceed the loan amount. That is not me. - I am a XXXX and I have no expectation that my income will even be a fraction of the amount of my loans because I have not been able to find stable work in my field - I have been consistently XXXX or XXXX since graduation in XXXX - The shared responsibility places an unduly harsh financial burden on my family because my husband is a XXXX. To pay both his loans and my loans requires that we choose between buying food and paying our rent or paying my loan because we can barely afford his - We have XXXX kids in college now as well so our financial situation has changed even further Navient has also stopped communicating with me and I am no longer receiving e-mails regarding my account. I did find a document on my account that stated that my loan would be going up to over {$2000.00} per month which is more than a paycheck but this document was not sent to me. Now, I ca n't even find that document on the site. | ||||||
| 01/19/2017 | Yes |
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| I graduated XXXX school XX/XX/XXXX and have made automated payments since XX/XX/XXXX to XXXX XXXX ( and then Navient XX/XX/XXXX ). I have a fixed rate of 3.5 % after repaying on schedule for 36months. Original loan was at a 4.75 % Fixed interest rate and I receive 1.25 % reduction awards. My complaint is that XX/XX/XXXX my note increased by {$160.00} with no known warning. I do not recall any warning of this increase but I do remember receiving the notice that my loan was transferred to Navient. This increase placed my my monthly note very close to XXXX of monthly net income making it very difficult to keep up with other payments such as insurance, house and vehicle notes. I must admit it took me a while to discover that was the reason my personal account was not balancing for me. I continued to pay because I did see that this was going directly to my principle and helping to pay my loan down faster. XX/XX/XXXX things became especially hard with continual increases in my monthly health insurance premiums. I called Navient and submitted online to receive information on other repayment options. I received a return call and was offered a balloon repayment plan that would increase my note an additional $ XXXX-XXXX per month for a shorter period. A plan that was even more unaffordable for me. The caller informed me that this was the only reduction plan for which I qualified. Since then I have received weekly and at times daily calls offering me the opportunity to enroll in federal repayment programs for a fee. While these options sounded better, I am skeptical of solicited calls and could not accept any of their offers. It is now getting to a point that this monthly note feels overwhelming and part of the reason that I can not save or improve my living conditions. It is a great deal higher per month than my house note, car note, and soon I expect that my health insurance note will be it 's only close rival, consuming my monthly income. Another concern is that the Navient website does not supply me with the name of my original lender. I am almost positive that my loans are both federal as I have never taken a school loan through a bank but I should be able to readily access this information through my Navient account. Instead the space next to Lender is left blank. I need better options. I need lower payments. I need lower percentage rates. I need help and Navient is not offering me any solution but to stay enslaved to this debt. | ||||||
| 03/23/2022 | Yes |
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| Made a payment on XX/XX/22. Was advised to make a payment of {$50.00} Received confirmation email of payment Later received an email that I owed {$1.00} AFTER a payment has already been made Called today on XX/XX/22 at XXXX AM EST To make the payment and get clarification on WHY this issue happened. Informed both reps that this is now the FIFTH time Navient has played with a payment, and I asked to have the loan cancelled, as it is nearly 100 % paid off. A copy of the email I sent to Navient, after they continued to lie about payments : " XXXX XXXX XXXX, Please disregard the previous email. I have taken a look at the document that was sent, and that response is not appropriate to the actions in which your company, Navient, has taken. Navient has proven that they can not be trusted to tell the truth when it comes to processing payments, or honouring contracts, and as such I do NOT accept the response that was given. There is no way, that XXXX payments = the amount of the loan, when in reality, the loan is actually paid off, and I am paying the PRINCIPAL aka the INTEREST on a {$2600.00} ( rounded ) predatory loan. I am not sure who I would have to speak to about this, but I will not and am not accepting such an impersonal and robotic corporate response. I want this loan completely cancelled, and I will not accept anything less. Since I keep and have kept my word and have paid on time for the past 2-3 years on this loan, you as an individual and your employer should do the same. In fact, I would like everything in writing, including the original term of the loan, and the ACTUAL rate on this loan. I am very familiar with the fact that your employer is currently facing severe legal action behind tactics such as the one that you tried to pull with me for the SECOND TIME. Please read up on what is happening with your corporation : Updates on Navient lawsuits Navient Student Loan Borrowers Navient Deceptive Student Loan Practices Navient Multi-State Lawsuit Settlements Navient Student Loans to be cancelled Also, it is interesting that the institution that loan was for ( school ) has been shut down, for predatory practices as well. XXXX XXXX XXXX XXXX XXXX and other for profits closing XXXX XXXX XXXX XXXXXXXX I am not sure what game you are playing, but it is disheartening to know that your corporation cares more about putting people ( and keeping them ) in debt. I am NOT one of those people. This loan WILL get cancelled. '' | ||||||
| 03/15/2019 | Yes |
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| XX/XX/XXXX, I got laid off from my full time job at XXXX XXXX XXXX with my XXXX child. My spouse was not a legal resident of the United States, therefore he had to stay in his Country while all the legal paperworks were being processed on his behalf. My mother was mighty ill at the time trying to fight the life stealer XXXX and I was her sole caregiver and refuge of strength while fighting this XXXX. I was able to complete my course towards my Bachelors in XX/XX/XXXX. I gave birth to my daughter in XX/XX/XXXX. Now, I have to be caring for my newborn and my mother while doing job interview etc to get back on feet, it was not an easy task but I tried my best. With all financial factors I was facing I reached out to Navient before my grace period end and they did not give me extra time or nothing to alleviate all that was happening to me. When it came to the time for me to repay the loan, my monthly payment was more than {$500.00}, I could not pay that. My mom passed away XX/XX/XXXX and I inform Navient and begged for some leniency and they made it clear that there was nothing that they could do. I was willing to give them copies of my Mom hospital bills and death certificate because I was that desperate and they just didnt care. I didnt have the money to pay so I end up being late on my payment. This is not something that I proud of, this is something that I had zero control of. So now I have one negative mark on 22 loans with Navient, which messed up my credit, because my report states that I have been late on a loan 22 times. If people at Navient had a heart, they could at least ask me to show proof of my situation, which I could. I sent a Good will letter to the CEO XXXX XXXX, informing him of my situation begging him to remove the negative items so I can get back on my feet as a single trying mother. He had a representative call saying, they cant help me. This organization, has zero remorse for people. We are people! Not a target or goal. My loans are now consolidated on always on time never missed a payment, but those negative marks still remains. Earlier this year, we had a Government shut down and I was affected as a XXXX XXXX, I reached out to the CEO XXXX XXXX again, begging to remove the negative mark so that I could be approved for a loan, so as to help my family through that period and these cold hearted people called to say that they could not help me. Nothing has changed with Navient. XXXX XXXX email : XXXX XXXX | ||||||
| 09/19/2017 | Yes |
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| Starting in the year of XXXX I began to have problems with my student loan. At that time they would not allow me to make payments on the loan because they had put a bankruptcy on my account. It took them about a year of me and my mom calling them to get them it figure out that they had put the bankruptcy on the wrong account. The whole time during XXXX, they would not allow us to make payments but continued to charge interest to my loan. Ever since then my payments have been more than what I can make and more than the original agreed upon amount. When I called to try and get a lower payment, they kept telling me that " a forbearance was the only option for me. '' Not knowing that this would increase my payments, I had no choice but to do it in order to get a few months of relief in an attempt to catch up. I would constantly get email notifications from Navient telling me that I had options to lower my monthly payments, but when I called they would just tell me that the forbearance was the only option and they were unable to lower my payments. Recently, about two months ago, I noticed that my account said that my minimum payment was {$0.00}. So, I had assumed that they put a forbearance back on my account, but today I logged on to my account, I noticed that it was still at {$0.00} for the due amount when today should have been when the payment was due. I called Navient to see what was going on with my account and that is when they informed me that my account is on hold do to a law suit that was in progress. They told me that I can still make the payments on the account but the interest will continue to accrue. My loan balance has increased by {$500.00} in the course of two months. I then asked about lowering my monthly payments and he told me that I would n't be able to until XXXX and informed me that once XXXX came, I would need to start making a {$200.00} payment, which again is raising my payment and not lowering it, unless they can lower it for me in XXXX. Due to finances in the home, I can not afford a XXXX XXXX monthly payment nor can I afford to have my loan to continues to increase the way it is, I need monthly payments that are more affordable. I feel like I am being taken advantage of and I can not afford for this loan to keep on increasing, it started at {$12000.00}, and now it is at {$15000.00} plus, even though I have made many payments. If this continues I will be trying to pay this loan off for the rest of my life | ||||||
| 05/28/2017 | Yes |
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| repayment plan options were not presented properly. I switched and was told that I could not get credit towards the years I was paying for the 25 or 20 year repayment plan with caps. I 'm XXXX . I have paying a very long time. In the last 10 years I was directed to switch Income repayment plans and also not get credit for the payoff caps on the previous plan. Lately I received another notice that I have to file an update. after login to do so Im told I have to reapply for the repayment plan, not on the good one any more. To reapply Navient sent me to the us loan website where my mailing address was two houses ago. Says I am a week late filing the repayment option for income. So I have lost all of the time my payment plan was ticking away at the 20 or 25 year cap. Still confused about what I was on before and why this is not easier. I am still confused as to how to fill out paperwork because it asks me to pick another plan, without telling me what I was on last time, even though all the other fields are pre-filled. I have already been verbally told that if I switch I will lose credit towards the 20 year program I figured out I needed to be on last time. Last time it took me many many many many tries to get on the plan was on and had to get special permission to process last time. I have never been late. I still need to call them back and sort this out after the holiday weekend. Spent hours on this task and it is not solved. I have a XXXX XXXX in XXXX XXXX in XXXX and all of my XXXX XXXX XXXX . I have the unfortunate position of being the mother of a XXXX child and XXXX b y a red light runner so I have all the time in the world to call with my blue tooth headset and my phone plugged min, wait for hours. Others work and I 'm sure would not be able to find the time to finish the annual re certification or go to this website to research it online and find the time to type in all the answers above without going crazy after being on hold, customer service loops with other companies all day trying to take care of simple details. Go to a website ... nope go to a website on a computer..nope not a tablet ... not that browser ... this browser. dropped call sorry wrong department. let me give you that number. go to this website ... we are closed. call back during a different time zone that what is humanly possible. maam I 'm going to send you to our escalations department. please retell me the story dropped call | ||||||
| 09/27/2016 | Yes |
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| I am writing to you because I need to reduce my monthly private student loan payment due to a financial hardship. I am requesting a payment that allows me to meet my other necessary living expenses. To Whom It May Concern : I am writing to file a complaint. I just recently contacted Navient to request a reduction in my private student loan. For the past 12 months I paid {$160.00} monthly. Just in XXXX 2016 it was increased to {$280.00} monthly that I can not afford to pay. I currently also have federal loans that are in default. I was told by the representative that because I have negative income balance they can not offer me a lower payment. That makes no sense to me. Here I am someone that would like to make payment arrangements but at a lower monthly expense. Please conduct a review of my account to determine whether I am eligible for an alternative repayment plan. I believe I can afford to pay {$160.00} per month toward my loan ( s ). If you require details on my monthly income and expenses, I have attached a worksheet which you can use to make an evaluation. If you require additional authorization in order to reduce the amount of my monthly payment, please consider this letter a written request that you contact my lender or other authorized party to conduct a review of my account and provide a response within 15 days of receipt of this letter. If you do not grant this request for a reduced payment plan, I will be at risk of default. If I receive a reduced payment plan, I may be able to avoid default, which is in the best interest of all parties. If you determine that you are unwilling to provide a reduced payment plan, please provide the following information : What available reduced payment options do you offer other than forbearance? For what reason ( s ) am I ineligible for these repayment programs? If I am not eligible for these repayment programs, when will I become eligible? What steps do I need to take to qualify for these repayment programs? Do you anticipate modifying these repayment programs in the future? Where on your website can I find additional information on these alternative repayment programs? In addition, if you are unable to provide any of the information or documentation I have requested or otherwise can not comply with this request, please provide an explanation. I hope we will be able to agree upon an acceptable repayment plan. Thank you for your cooperation. XXXX XXXX XXXX | ||||||
| 08/09/2017 | Yes |
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| I was married. In XX/XX/XXXX when myself and my ex-husband both got loans for XXXX school. Due to the amount of the payments, we were approached to consolidate. The form that was issued is no longer in use due to lawsuit issues. It was written in a way that tied us both to the loan despite future situations. The loan at the time was $ XXXX. In XX/XX/XXXX My ex-husband and I were divorced. It was written in our divorce papers the split-out of our finances. I continued to make my payments and did not know my ex was not making his. There was no communication from the Financial company. I only found out because I called the FC and requested tax info and was told they were sending me to collections. This occurred a couple of times. I attempted to make my payments, but was told I could do that, but it would n't count unless I covered his payments as well. I explained our divorce decree and was told it did n't matter. In XX/XX/XXXX my ex died. I went to the FC and explained the situation. They told me I was still responsible for the loan. At that time, the loan amount, due to deferments created by my ex, the total was $ XXXX. I was responsible for $ XXXX/mo. I have been paying on this loan monthly for years. I am currently unemployed and can not make the payments. I was denied a deferment due to my ex 's deferments years before. I went online to see what my options are. I contacted the XXXX XXXX XXXX and was told that the FC should have re-evaluated the loan when I reported my ex deceased. They checked their records and verified nothing had been done. I was told to go past the CSR and request a supervisor. I contacted the FC again and was able to speak with a manager. I was told that I had to submit a death certificate and they would review it. I told the manager that I had not been given that information years before when I had called for help. I was told, XXXX for that. Since this joint loan was signed in XX/XX/XXXX, I have paid approx. $ 82k and approx. $ 1k in fees due to insufficient payments that I was not aware my ex was not paying. My ex paid approx. 9k before he died. The FC states there is still $ XXXX left on the loan to be paid. The way the FC handled this on the numerous occasions I contacted them for help, was in-excusable. The lack of concern and compassion is appalling. Because people did n't care enough to do their job, to take the time to communicate with their clients, I paid $ XXXX past the death of my ex-husband. | ||||||
| 10/31/2019 | Yes |
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| I received an email stating that my requested forbearance has been approved. I NEVER requested or had any intentions on a forbearance. My account was over 100 days past due. I was leaving it as such. Because I have no means of paying my student loan ( s ) now generally speaking. When originally asked prior of other options. I was notified that only forbearance was a temporary option. Months prior. Little did I know that was Navients way of adding fees. Also little did I know. Account information was incorrect. But that wasnt my issue this time around. They finally have taken it too far. After this letter of forbearance came. I called them to state I did not under no circumstances request one. And have no means of paying. They placed me on hold only to say the co-signer requested it. Yet a request for forbearance would state and show a payment. Reguardless if thats true Im primary and I know I NOR the co-signer can pay. I didnt really agree that the co-signer requested it. But I left that issue alone as I learned months ago after speaking to customer service. They arent in the business of helping. ( I have no problems with my federal loans they help ). Anyways. After my first phone convo. They agreed to retract and remove anything pertaining to the forbearance ( Friday ) I called the following Monday as I havent seen an update on my request. I was told it is being processed and they see it in the notes. Called again on Monday. Still nothing. Now my account states past due only one month. It is a lie. No payments have been made on this account. Ever!!!!!!! Beside forbearance I felt forced into. At the time between losing a job due to injury. Everything seems like the only right thing to do. Again Ive contacted navient. They have yet to change anything. Next step is reporting them to the credit bureau for lies of receiving payments. And putting my account in forbearance without my knowledge or consent. This company is doing whatever they want. Creating false amounts, false payment status, false forbearance not handling their promises. I have made it clear no one on this account can pay or continue to pay the amount they want. I only asked that my a be handled correctly. Reported to credit bureau correctly. In no shape or form do I want my account look as if i paid or agree to a forbearance. As every three months they report to the credit bureau past due on an account that has never been paid on. Its way over 90days past due. | ||||||
| 01/05/2018 | Yes |
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| After speaking with Navient on XX/XX/XXXX after several times, I am disappointed in their lack of helpfulness in allowing me to make student loan payments, but instead I am having to continue using forbearance due to my inability to make payments in the amount of {$350.00} that the company has set forth. On XX/XX/XXXX, I sent an email to XXXX which stated below : " Dear Navient, I am writing in regards to my upcoming student loan repayment. After months of going over my finances ( budgeting, reductions, etc ) and reviewing my current household dues from mortgage and utilities to childcare expenses, I am still unable to afford the payment of {$350.00} that Navient has set. The amount that would be most affordable to me is {$150.00} at best. I am asking Navient to meet this request on me and my family 's behalf to ensure that I am able to pay my student loans on time and in the affordable amount as to avoid delinquency or default. I ask that please strongly take this request into consideration. Sincerely, { name } '' The letter above was written to explain my current financial situation and the amount that is affordable to me. Navient called me on XX/XX/XXXX and left a voicemail to call back which I hoped would be for us to work out an affordable payment plan. I returned the call and spoke with Navient on XX/XX/XXXX to see about options of lowering my payment plan that was due on XX/XX/XXXX. During our discussion, Navient told me that I should be able to make the payment they have put in place in the amount of {$350.00} due to my household income, although they are not fully aware of our financial circumstance or other obligations. They let me know that there was nothing that they could do to help me lower my payments and that the only option was to pay or use up more forbearance. I had 7 months of forbearance left. My goal was to not use forbearance unless my family stumbled across hard times in which it would truly be needed ; instead I wanted to make payments to Navient in an affordable amount. Since telling me that I am unable to lower and make those payments, I am now using 3 of those 7 months of forbearance and I am set to start back making payments on XX/XX/XXXX. I am at a lost for what to do here now but it seems that Navient is not concerned with helping borrowers make affordable payment plans as they proclaim, but instead command us to abide by what they believe is affordable according to their standards. | ||||||
| 06/06/2015 | Yes |
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| When XXXX XXXX became Navient, 1 ) bills did not arrive in a timely fashion. 2 ) My payments were split between XXXX different loans thus making me short on both 3 ) When I called to inquire, the CS reps & their supervisors were kind but their info was not what I saw on line. 4 ) The payment addresses for the borrower were never consistent. 5 ) I had tried to pay on line via bill pay & switched to a check in the mail. I was told by a rep the computer decides how to split the payment ( interest, principal, amt due ) so I should make my envelope heavier, pay the extra postage & the computer will XXXX it out so a human has to open it. 6 ) The paper bills that do arrive do not accurately indicate the borrower, loan id number or acct number. 7 ) When I finally get a bill, there is ALWAYS a past due amt and when questioned why a original bill was never generated, no XXXX can answer. 8 ) The bills do not indicate if the loan is federal or private. 9 ) if I print off my statement at Navient.com- I can see which loans are private/federal but when speaking to a rep, they insist the XXXX loans are federal. 10 ) I requested payoff figures for all loans & stopped paying since the payments were NOT being applied to the correct loan. As I tried to apply to another company to transfer the loans, Navient dropped my fico score XXXX points. XXXX ) The calls from XXXX, XXXX, etc.. begin a XXXX, continue all day including my cell at work ( in an XXXX ) and if I do pick up, it is a recording telling me this is XXXX- call another number. if it is a weekend, the office is closed. 12 ) Every individual I speak to I ask that the call be recorded and that I have every intent to pay but Navient has to be accountable to apply my payment to the correct loan. 13 ) When I printed off the payments applied to loans, there is no consistency of what is applied to interest, principal or balance. XXXX ) I have contacted the customer advocate directly & the CEO of Navient. The advocate provided me with payoff figures but can not stop the calls or explain the no bills & past due amounts. My husband & I are salary. He as XXXX XXXX, if he has a XXXX, we need to pay out of XXXX We will not allow navient to tap into out bank account, we expect bills in a timely fashion & we expect Navient to be accountable. The billing/computer system is confusing & vague. It appears to be a purposeful attempt to confuse, over bill, & ruin the credit rating of the customer. Thank you | ||||||
| 04/12/2018 | Yes |
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| My issue has been going on since XX/XX/2018. The call center reps at Navient have no idea what each other are doing. No information gets passed on and you're constantly having to retell your situation, only to be passed on to someone else and start over. No one there provides solutions to the problems and they NEVER follow up with you. It's ALWAYS been me having to chase them up. The only correspondence I've gotten from them are the incessant emails about my account being due for payment. I live overseas and have been paying my student loans on time, each month via my XXXX debit card that's linked to my foreign bank CHECKING account. As of the new year XXXX 2018 ) Navent has said that the Department of Education identifies foreign debit cards as credit cards, which they can not accept as payment. I've insisted that my debit card is in face a DEBIT card and not a credit card more times than I care to count. I don't even own a foreign credit card!! So one of there reps, XXXX XXXX ( a customer advocate, what a joke ) sends a generic email explaining that I need my overseas bank to certify my card as a debit card and to upload the letter as well as the first 6 digits of my debit card onto my Navient account. I got a letter describing EXACTLY what sort of card I have ( a XXXX XXXX linked only to my checking account ) with the bank 's official seal stamped on it AND a photo copy of my card. I rang a couple weeks later to see if anyone had began to action his and the rep had no idea what I was talking about. I've rang and emailed XXXX about 8 times in the last 6 weeks and have absolutely zero response back from her. In fact, I conveniently get her voicemail EVERY time I ring her. I am living overseas in another country, making every effort possible to make timely payments on my student loans and Navient has made this process so miserable I fee like giving up all together. No one is there to help. They're there to get their 8 hours of work in and leave. I'm so sick of having to be the one chasing them up and bending to their rules. I pride myself as being one of the borrowers making a conscious effort to do right by my debt, but Navient has made it all but impossible. How am I meant to pay with my overseas debit card if Navient doesn't allow it? I hope the complaint gets received by the proper channels and authorities. The higher ups are lacking when it comes to procedures for overseas borrowers and how to help them make payments. | ||||||
| 02/17/2017 | Yes |
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| I had begun paying my Federal Loans using Navient 's online payment system then for some reason the website stop taking my payments. An error prompt would display saying that my requests could not be completed. I tried many different web browsers and operating systems and the problem continued. The lack of not being be able to pay my loans online resulted in a major inconvienence and displays a huge chunk of customer service/satisfaction on Navient 's end. I called in to let Navient know that this issue was happening and the Reps told me that they were able to simulate the payment process and that it was all working on their end. They even walked me through the process to ensure that I was doing it correctly and the issue continued on my end. This resulted in me having to call and spend atlast 30 mins on the phone and be threatened with a processing fee in order to pay my loans on time after doing this for a few months in a row I decided to hold Navient responsible for the errors in their website and this unfortunately has forced my account to go delinquent as I am still not able to pay them online. I continued to bring this issue up and nothing was ever done about it, I was told to contact the Tech Support Team regarding this issue and I was never contacted back and here a we are a year later with the same problem and no solution. I have tried contacting Customer Service by email through Navient 's website and as soon as I finish my letter and press send I am told that I do not have access to such a feature. I tried this on different devices and operating systems and the issue continues. I have also tried contacting Customer Service by Phone and I am redierected back to the Collections Departament, and everytime a Rep claims to transfer me, the call is ended and I am back at square one, almost as if no one wants to talk about this issue or take care of it, yet they still demand their payments. I have also asked Navient to stop monitoring and recording my calls in order to protect my privacy and everytime I ask them to do so, they disregard my request and hang up on me, I feel this is very wrong as I as an American Citizen have rights and never agreed nor signed anything that allows Navient to monitor and record my calls. I had been offered to put my loans in forbearance but after seeing so many horror stories on the news I feel that it is not safe to do so without at least presenting my issues to the public and CFPB. | ||||||
| 01/26/2017 | Yes |
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| I have been in repayment since XX/XX/XXXX with Navient for my college education that started in XX/XX/XXXX. Over this time I have been less than satisfied with the support of this company. 1 ) Loan 's are confusing : over the past 6 years they have changed the way I make payments and see my payment allocations ... bundling all my loans together, separating federal from private, and now they are broken down even further into many payments within each category. This makes it very difficult to know what you are paying and to where over the life of the loan. 2 ) I have high, but variable interest rates. I have been told by Navient that these interest rates never go down, but they do go up. over 13 % on some of my private loans feels like they are really setting me up for failure, and even though the libor interest rates have gone down in the past 6 years, my interest rates have only increased. 3 ) Taking out a total of $ XXXX in both private and federal loans from XXXX/Naivent, I started repayment with about a $ XXXX/month payment. Starting out in the work force in XXXX ( I was happy I even got a job ), this was very difficult to pay. I tried to lower my payments and instead of gviing me the option of an income based repayment plan, I was put into an interest only payment plan. so for 1 whole year my ( now about $ XXXX/month payment ) was only going towards interest and my principal balance was rising. 4 ) Due to the suspicion of my rising principal balance, I have called ( now ) Navient many times to try and understand not only my balance but my options. To date I have PAID just over $ XXXX to Navient ( monthly payments ranging from {$700.00} - {$1200.00} over the past 6 years ) for my $ XXXX loan, and to date have just over a $ XXXX BALANCE on my principal. One phone call with a representative told me that something did seem off, and that my principal should be about $ XXXX lower than what it was ( convo on XXXX XXXX XXXX ). This " initiated an investigation '', which concluded in no change in my principal balance. My complaint is that I feel I have been mislead, taken advantage of, and XXXX of my very HARD earned money for a $ XXXX loan I have paid almost double for already. Given the recent law suit against Navient, I realize I am not the only one. I do not believe that my college education is a given right, but there is a such thing as having integrity when administering student loans to students that are XXXX years old. | ||||||
| 07/02/2017 | Yes |
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| There are 8 inaccurate late payments being erroneously reported by Navient from XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through Navient Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no avail. I submitted documentation two times to Navient directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. Navient has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with Navinet and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another Servicer in XX/XX/XXXX. So Navient no longer services any of these loans, yet continue to negatively report to the bureaus. On XX/XX/XXXX, I spoke yet again to another Navient supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. Navient appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension of credit. | ||||||
| 03/10/2020 | Yes |
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| I have been, and continue to be, adversely impacted by Navient misreporting and inappropriate billing practices. Forbearance was encouraged on multiple occasions having been applied to original loans with Salle Mae without my authorization. I have been enrolled in an income-based repayment plan since XXXX. I re-submitted paperwork for this plan prompting me to investigate the status of my application. According to the Federal student aid website, my loans show forbearance status for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. My servicing institution shows now as XXXX no longer Navient. The change to my loan was never reported to me by Navient, repayment months status shows as N/A and months in repayment N/A. I have not been able to clarify what the status is nor was I notified of any change. My original loans incurred with Salle Mae for medical school. During my medical residency training, immediately following my medical school education, I was not able to begin repayment on my loans due to financial hardship. Initially, my loans were incurred with Salle Mae and eventually acquired by Navient. I was never provided Income based repayment as an option when with Salle Mae and was encouraged to accept forbearance with Navient when my loans were acquired. My original loans were consolidated into a FFELP loan which has grown from XXXX to over XXXX while with Navient. I have made multiple attempts to deifier the fees and changes applied to no avail. When my Salle Mae loans were acquired by Navient ( XXXX ), a Navient private loan representative informed me that my private loans would be handled differently with Navient. I was told it would be in my best interest to make the one time only lump sum payment to take care of my private loans. I made the requested payment, just under {$30000.00}, to have the private loans discharged. I made this payment and requested documentation and was never provided supporting documentation for that transaction. In XX/XX/XXXX I received an email stating I had a message in my Navient inbox. I was sent the 1099 forms related to my private loan dischargeable amounts required for IRS reporting purposes. But no other documentation. Days later, I contacted Navient requesting private loan discharge supporting documentation specific to the 1099 forms received and was told I would be sent that documentation. To date, I have not received the paperwork related to the private loan discharge. | ||||||
| 12/02/2018 | Yes |
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| I completed my XXXX in XX/XX/XXXX at New York University, with an outstanding loan of {$97000.00} ( approximately form what I can tell form my navient records ). As of XX/XX/XXXX, I began working for a XXXX XXXX until XX/XX/XXXX. From there I started work for yet another XXXX until today. When the PSLF program was announced, I was hopeful that after XXXX payments my loans would be forgiven. My loan service provider at the time was Sallie Mae ( now Navient ) told me I would be eligible and my previous years of non-profit work would retroactively count towards service as I had been in the Income Based repayment ( IBR ) program before. They informed me that I must submit an " Employment Certification for PSLF '' form from both XXXX which would help to retroactively count my years of public service and go towards my XXXX payments. Both XXXX complied and submitted forms to Sallie Mae ( hereby referred to as SM ) as of XX/XX/XXXX and XX/XX/XXXX respectively ( I have attached in this complaint ). SM also informed me that I would need to enter into a different consolidation program to have my loans qualify, which as of XX/XX/XXXX I thought they had helped me to enter into. It was not until XX/XX/XXXX that I received information that I was actually NOT in the PSLF program that I then spoke to DoE. I was informed that I never was entered into any program and that nothing counts retroactively. Additionally, I was informed that I had entered into the wrong consolidation program. Essentially, all payments made from XX/XX/XXXX - 'XX/XX/XXXX I was paying on interest and the loan amount continued to grow as I was in the IBR plan. I am ( I think ) now in the PSLF program ( for now ) but only since XX/XX/XXXX and have only started paying down the principal as of XX/XX/XXXX. I filed a complaint with my senator 's office in Rhode Island in XX/XX/XXXX, who conducted an investigation and found that while I may be upset with Navient for providing inaccurate & false info, the fact is, I should have filed with DoE, which I was not informed of by Navient and was told that I was following the appropriate course of action. I have dedicated my career and education to economic development in the developing world and thus have worked only for XXXX XXXX XXXX that do indeed comply with the criteria set forth by the PSLF program, but have been given years of misinformation by my loan providers which have likely cost me thousands in additional payments. | ||||||
| 01/14/2018 | Yes |
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| Navient is the most disgusting company I have ever dealt with. Several times while I was attending XXXX University, Navient tried to dispute this fact, and then when I had to take a leave of absence from the school due to a chronic illness, I was able to negotiate an interest-only payment for a year or so but had to fight to get an additional year. On XX/XX/XXXX and XX/XX/XXXX, Navient sent an e-mail stating that the interest-only payment of {$24.00} would be ending, but I was NEVER given the amount of the modified payment. There was a conflict in information from customer service and my online statement as to the adjustment. I kept inquiring about other payment options because I am on XXXX but was told by Navient that I had no other options. Navient only divulged the modified payment of {$220.00} and due on XX/XX/XXXX while responding to a CFPB complaint about a week ago. When I received this information from Navient, I immediately called because I knew I would have to go into default because my income will not support this {$220.00} payment. I was told by a Navient phone representative on or about XX/XX/XXXXthat the only other option would be to file a XXXX waiver in which would be put in the mail and that I could not receive the form via e-mail. I kept waiting for the form to arrive via USPS ; however, it did not. I checked the online account on Thursday, XX/XX/XXXX, and discovered that I had a new document dated XX/XX/XXXX with the form attached. I, immediately, filled out the form and carried it to my oncologist on Friday, XXXXXX/XX/XXXX. That same day, I received a notice from Navient stating that I had a new document -- did not receive any notification of the XX/XX/XXXX notice. This XXXX waiver is misleading and counterproductive because it seeks a Permanent/Total XXXX and not for students that are on XXXX for XXXX XXXX XXXX. I am not sure why Navient refuses to negotiate a reasonably monthly payment. Hence, I have a similar loan with XXXX and have been making payments of {$82.00} without hardship for about two years. I can not understand the logic of this company. Navient is operating more as a payday loan company with these exorbitant interest rates, late fees, bad customer service, and unwillingness to modify payments. Expecting a student on XXXX to pay {$220.00} a month for a {$6000.00} ( now almost {$12000.00} ) student loan is lunacy, to say the least. My thinking is that Navient is seeking defaults. | ||||||
| 01/20/2017 | Yes |
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| i was attending college at XXXX and XXXX. at the time the only loans i could get was thru XXXX aka navient and that is with my mom as a co-signer on XXXX of the loans i took out. once i stopped attending college around XXXX my debt to them was roughly XXXX, i couldnt make the payments they wanted me to make pretty much forced forbearance unto me. in XXXX i decided to try to finish school by attending an XXXX so i could continue working full time. by XXXX my " in school forbearance was up '' and they said i had to start making payments of that time the debt was roughly around XXXX. i advised them i couldnt make the {$900.00} payments and offered to make payments of roughly XXXX given my income and the needs of my son and they only solution they could offer me was another forbearance, no income base program no nothing. they had it listed on some of their documents and website that during any forbearance i could make {$25.00} to keep the interest off. During the winter of XXXX early XXXX i was informed i was no longer able to take anymore forbearances and they would accept payments no less than XXXX a month for a debt of XXXX. in just 3-4 years it doubled. because of this jump i had to move in with a friend instead of keeping my own place where my XXXX son could come and visit to try to swing any amount of money i could to try to make the payments. I made roughly 3-4 payments of XXXX the best i could do still wasnt the amount they wanted however. after realizing i would be homeless if i kept it up i filed for chapter XXXX protection to stop being hammered by their outrageous interest rates because private student loans couldnt be wiped clean or reduce using a chapter XXXX once they found out i was going into chapter XXXX they attempted to do an IBR but it was still in the ball park of XXXX dollars according to them. i proceeded to file chapter XXXX because it was the only way to escape their XXXX plus calls a day starting roughly XXXX and ending sometimes at XXXX. it also prevents per my attorney from adding on any interest to it though i suspect once chapter XXXX is over in 5 years im sure they will be waiting to add on another XXXX easily. because of all the interest that has been tacked on i am unable to buy a house or buy a car anymore because of income to debt ratio. because of these loans i have to work my self to death just to try to provide for my son and also to make sure my mom doesnt inherit any of these loans. | ||||||
| 05/03/2016 | Yes |
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| Beginning when I was an XXXX-year-old university student, I took out XXXX XXXX, now known as Navient subsidized and unsubsidized student loans and later a " XXXX '' loan worth over XXXX between XXXX and XXXX - which was more than twice as much as I earned working my way through college - so that I could attend the University XXXX. It 's a relatively affordable school, but due to the fact that I was raised by a struggling single mother and my job at a XXXX paid only {$XXXX} per hour, I still needed money to make ends meet. I had no idea that, without a cosigner, I 'd end up with credit card-like interest rates, amongst a multitude of other problems. After taking time off from school to work and save money, I earned my XXXX XXXX in XXXX. After graduation I accepted a job working for a XXXX. Eleven short months later I lost my job when the XXXX. Entry-level jobs had dried up and I could n't even get a job at a local retail store. I was on unemployment making {$XXXX} a week for four months. So, with limited ( after rent, utilities, car payment and groceries it was really no income left over ) income and my private student loan payments, interest and fees, I was headed for default. Navient 's collectors called me up to 10 times per day, even on weekends and holidays. I spoke to one representative asking them about my options and the only option Navient offered me to avoid default and subsequent financial ruin was to pay a {$150.00} fee every three months to put my loans in " forbearance ''. But interest would still have continued to accrue. I filled out the paperwork and sent in my first {$50.00} check because at XXXX a week that was even a stretch. I have the carbon copy of that check but it was never cashed on their side and still says pending through my bank. My forbearance paperwork was never processed. I 've asked them to open my case and they deny any wrongdoing. Since this time, I 've been back to work for nearly a year and making all payments on time but those XXXX " missed '' payments, because they did n't process my request, have wrecked my credit and have the potential to haunt me for the next seven years, preventing me from buying a new home, leasing a car or getting a job - at least, with one of the 60 % of employers who check your credit before they hire you. I will continue to make my monthly payments to them but I want those XXXX missed payments removed from my credit so I can have a financial future again. | ||||||
| 09/22/2022 | Yes |
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| As I am so the victim of circumstance of a transferred promissery note, I should be considered for loan forgiveness due to the recent Navient lawsuit. Per what I have read on the matter, as part of the agreement, Navient vowed to erase {$1.00} billion of subprime private student loans that its predecessor, XXXX XXXX, gave to students who attended for-profit schools, many of whom had low credit scores. Many of these schools have now shuttered their doors. You must have borrowed a private student loan from Navient or its predecessor, XXXX XXXX, between XXXX XXXX XXXX while, of which I did, attending certain for-profit school such as XXXX XXXX XXXXXXXX XXXX And speaking of XXXX XXXX XXXX, On XX/XX/XXXX an absolutely massive settlement between XXXX XXXX XXXX and the Federal Trade Commission was finally settled, under which XXXX agreed to provide {$140.00} XXXX in student loan forgiveness benefits to former students still on the hook with outstanding Federal student debt. This lawsuit stems from the same accusations Ive been tracking here for years, that XXXX committed unfair and deceptive marketing practices, giving the impression that the school worked with large national companies to create great job opportunities for students, and tailoring its courses and lessons specifically to help students land those jobs. In reality, the FTC found that many XXXX students graduated with poor job prospects, very little actual support from XXXX, and tons of student loans that they were on the hook for, but which they were having trouble paying off. Allegedly, XXXX also apparently purposefully targeted their marketing campaigns at XXXX XXXX XXXX, myself included, thus making me a again a victim by scandalous means. At last checked Naviant has created some type of double entry on my credit report showing that I owe twice as much as I should. If my loans were prior federal I should have been a part of the government for parents issued by president Biden. Yet XXXX 's showing link that I am past due for over several months making my credit rating plummet to the 4 hundreds. I am not able to refinance my home or purchase a car at a decent rate that I may maintain some standard of livelihood. Henceforth, As a victim of circumstance, I respectfully request that my loans be reviewed while in forbearance, and my credit report brought current for the Navient lawsuit forgiveness as well as the University of XXXX XXXX. XXXX XXXX | ||||||
| 05/22/2020 | Yes |
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Web | Servicemember |
| I am attached to three student loans from navient formally known as Sallie Mae. These loans were obtained for my husband ( at the time ) XXXX XXXX education. I agreed and co signed on the first loan with sallie Mae for the education institution called for full sail real world education. This was a term of six months totaling {$40000.00} and I signed as a cosigner. This education program extended into 2 1/2 years and two additional loans were obtained. I did not authorize nor sign the second or third loan however for sale real world education obtained the second and third loan by using my Social Security number and my name. I have attached contracts that show my name on a primary line and one of the loans my name on the primary and co-signer One. These contracts were not written in good faith and does not represent the Department of Education, the company Navient, nor the education facility called for sale real world education .I have spoken with the Department of Education and they have informed me that Student Loans obtain through Sallie Mae now Navient can only be given to a parent using a plus loan or a student using a student loan that a spouse is not eligible nor is it legal to obtain a student loan for a spouse to go to school of any kind. The Department of Education shows no record of my name on any three of these loans and they are aware of the situation. I have attempted through an attorney, myself, The credit bureau and Sallie Mae/Navient to clear this issue up I am still in the same place. I am a single mother of three children I currently work for the XXXX and I had prior military service I am also a XXXX vet. I pay my bills I pay my taxes and I keep my credit as upstanding as I can I also hold a clearance for the United States XXXX. This student loan that I am not responsible for has caused me to struggle financially for the last 8 to 10 years being able to obtain good interest rates car loans mortgage options etc. I am so disappointed The lack of concern in the situation has been given. Although life isnt fair this particular situation is extremely unfair not only to myself but to my children. I hope these words find the right person that is concerned to help resolve the situation. I have attached documents and I have more if needed the situation has been going on since XXXX I have notified Navient of this issue dated all the way back to XXXX. I am hopeful that this could be resolved in a timely manner | ||||||
| 08/25/2017 | Yes |
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| To Whom it may concerned, Please do the justice and solve these on going dishonest conduct of Navient. I have filed the police reports and contacted them numerously explaining that these loans are not mine, and explained that I did n't even saw any of the original loan papers, they still pursuing me and ask me money to getting out of the situation. When I filed the police report, the detective me that I have to continuously contact them till they drop me. Navient Account number : XXXX, default balance : XXXX Forged cosigner School loans were accepted : XXXX XXXX XXXX, XXXX XXXX, CA I am an XXXX from XXXX 28 years ago, had been diligent with my credit history in last 15 years as in A rating, but after this ID theft cosigner statue in defaulted 5 loans by my nephew XXXX XXXX, my credit score has been completely destroyed to D, from XXXX. Though I am not working, but a full time house wife, I had been paying on time on all my credit cards last 5 years, recovering slowly from D to C minus score. May be I am not good in explaining in English to them, or did n't do the proper respond with Navient, but I already sent 5 registered mails with police report copies over last 6 years to Navient whenever I had time, but still my credit are ruined becaouse of Navient and they are still after me causing so much stress grief with many illness. This student loan company XXXX XXXX, now changed the name to Navient is pursuing me through collection agencies almost every 6-8 months and finally last year, they said if I give in to pay the amount of {$8600.00}, then they will drop me out of the co-signer obligation of these defaulted loans from my nephew XXXX XXXX. numorously I explained that : these 5 default loans are not mine, my birth date is wrong and my address and employement were written as my sister 's by XXXX XXXX, not mine. Navient said they will permanently leave these 5 defaulted loans record on my credit history that my nephew stole my ID and forged loan documents. Now I do n't have anyone to ask to do the justice after numerous trials with Navient explaining these are not my loans, my credit histories are ruined and Navient do n't respond me any more since last year. My nephew XXXX XXXX is practicing law in XXXX XXXX, Ca, he lied to Navient that these loan documents were written by me. Also he drop paying the loans in XX/XX/XXXX, exactly 10 years after status of limitation is expired. Very typical white color crime. | ||||||
| 05/17/2017 | Yes |
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Web | Servicemember |
| On XXXX XXXX , I received an email from Navient stating that I had until XXXX XXXX to contact them about setting up a payment arrangement. I emailed them right back and explained that I did not have access to a phone and would need to handle via email. They explained to me that I could not and needed to call. When I called Navient and explained my personal and financial situation, XXXX said that I could apply for an Income Based Repayment program but that there was no rush to submit my paperwork. When I called back the first week in XXXX , suddenly my account was charged off despite XXXX explaining that there was no rush to submit paperwork and payments. I have been working with XXXX XXXX to see if there was a resolution to removing the charge off status of my loan when she informs me that a loan of mine has already been charged off and was done so in XXXX . I never received any documentation about this, despite being in constant contact with Navient, including submitting forbearance and payment arrangement claims. I asked her who the collection company was and she said it was the same company for the new loan -- all new information to me. She stated that her records indicate that the charge off is valid and that she has no record of my conversation with " XXXX XXXX ''. I explained to her if I had been made aware that the information I received was time sensitive, I would have submitted the necessary paperwork but between XXXX and XXXX , no one told me that my time was limited. Both of those ACTUAL representatives ( not an automated system ) told me that there was no rush to submit my application and paperwork, since I was in a particularly dangerous and volatile situation. Now, speaking with XXXX , apparently the burden is mine to prove that these conversations existed, regardless of their vast telephone monitoring software. And I must dig up my records to show that I actually spoke with XXXX and XXXX . This does not even consider my apparent charged off loan that I never knew about and never received any communication with them in reference to. When I log into my Navient Account, but accounts still show as valid, current, and accepting payments. This inaccurate reporting of loan information is dangerous. I now have practically insurmountable debt standing between myself and purchasing a home -- all because their separate departments do n't communicate with each other or with me. | ||||||
| 01/05/2019 | Yes |
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| On XX/XX/XXXX, I logged into the Navient site and scheduled a payment of {$300.00} through their make a payment tab. The payment was later marked reversed on my list of transactions on Navient 's site. Today, XX/XX/XXXX, I was told by a representative of Navient that the XX/XX/XXXX payment was refused ( by my bank ) for " various reasons. '' I had checked with my bank on XX/XX/XXXX and they never received the XX/XX/XXXX request for payment from Navient. They have no record of it in my account, said the XXXX XXXX XXXX representative. On XX/XX/XXXX, I set up an automatic payment from my checking account of {$500.00} through XXXX XXXX XXXX XXXX automatic bill pay to Navient. I did this through XXXX. Today, this payment shows on the XXXX XXXX XXXX site as having cleared, but then the XXXX XXXX XXXX representative looked closer and told me Navient had refused this XX/XX/XXXX payment on XX/XX/XXXX. On XX/XX/XXXX I spoke to a Navient representative on the phone who told me he would put in a ticket and look into my payments, which had not shown up in my Navient transactions online. When I talked to another representative from Navient on XX/XX/XXXX, I was told that " ticket '' was " double escalated '' but that I could not talk to the employee at Navient to whom it had been handed off. On XX/XX/XXXX I logged in to Navients site and set up a single payment to Navient from my XXXX XXXX XXXX Checking account of {$10000.00}. On XX/XX/XXXX I checked the transactions on Navients site and saw that that {$10000.00} payment is listed as refused. On XX/XX/XXXX I called Navient and was told that if my payment of {$10000.00} went through, it wouldnt show on my transactions because it would be sent directly to the Department of Education and then, on some future date, be taken off of my loan amount without any transaction showing on the Navient site. It would be as if I never borrowed that amount. This same representative told me Navient is part of the Department of Education. I researched this claim online and found that Navient is a private institution and not part of the government. In summary, I have been trying to pay off my loan from Navient electronically in various ways. None of my attempted payments, either done through Navient 's site or XXXX XXXX XXXX XXXX Bill Pay app has gone through. To date, no Navient representative that I spoke to on the phone has double-checked my XXXX XXXX XXXX account information. | ||||||
| 04/26/2019 | Yes |
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Web | Older American |
| Municipal Services Bureau ( MSB ) XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX / XXXX Fax XXXX Municipal Services Bureau is trying to collect on a court case that was dismissed back in XX/XX/XXXX. We have received multiple calls but I don't have dates on those. I do have the letters and response date showing proof that the debt is not owed. Received Collection letter from MSB dated XX/XX/XXXX demanding {$240.00} from a XXXX County Court TN-Circuit Court stating the fine had not been paid. I had my administrative assistant call in to XXXX and she was informed it was an oversight and would be updated. 2nd demand letter dated XX/XX/XXXX received for same amt {$240.00}. We called XXXX County Court on XX/XX/XXXX spoke to XXXX that transfered us to XXXX who confirmed the case had been dismissed on XX/XX/XXXX and no debt was owed and that they would send notice to the collection agency MSB. Admin called XXXX on XX/XX/XXXX spoke to Rep adv of what court stated and they were sending proof. Around XX/XX/XXXX a collection called was made to my company still trying to collect the {$240.00}. At this point I gave my office manager permission to take over trying to resolve this matter.She called XXXX County on XX/XX/XXXX and had a copy of the court dismissal faxed to her and wrote a letter to MSB advising I didn't owe this debt to update their records and cease and desist all collection tactics and included proof from the court where the case was dismissed. Her and myself signed this letter. 3rd demand letter dated XX/XX/XXXX Office Manager called and spoke to rep who again said it was an oversight and would be updated. We received another collection call at my company on XX/XX/XXXX My Office Manager spoke to them went through everything again with rep asked for fax #. XX/XX/XXXX My office manager wrote letter with dates that we have sent proof along with copies of letters and proof from court and for the debt to be removed and cease and desist further collections tactics she faxed the letter to XXXX and got transmission verification report confirming it went through at XXXX XXXX eastern time. She also mailed the letter w/copies of previous letters and proof of the case being dismissed and debt not owed. 4th demand letter dated XX/XX/XXXX received for amt {$240.00}. I have not responded to this letter as nothing is working and I am asking you to step in on my behalf to help resolve this situation.Copies of documents can be provided. | ||||||
| 02/13/2017 | Yes |
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Web | Older American |
| On XX/XX/XXXX, I filed a complaint with you regarding the PIONEER CREDIT RECOVERY, INC. due to their inappropriate behavior towards me when my account was sent to them by NAVIENT SERVICING. I contacted PIONEER, as you recommended, but they were persistent in trying to get me to commit to a " repayment '' plan. Again, I insisted their involvement was in error, and that I would not make any commitment with them. I also told them I had been attempting to get in contact with NAVIENT, but could not reach a person to talk with directly. The PIONEER representative gave me a " direct line '' phone number that actually was the same as the one I had been using. I even attempted to contact NAVIENT online, but my password was not accepted. Since then, I have attempted to get in touch with NAVIENT in order to straighten out this matter. I immediately contacted NAVIENT, again, after receiving your " resolution '' regarding PIONEER, in XX/XX/XXXX. As I stated before, my account should have never been sent to PIONEER, in the first place. In XX/XX/XXXX, I had made payments to NAVIENT totaling XXXX ( {$1200.00} ). On XX/XX/XXXX, I finally received a response to my fax from NAVIENT regarding this, however THEIR accounting of my payments were, also in error. According to PIONEER 's correspondence, they said I had gone in default in XX/XX/XXXX, which is also not correct. I contacted my bank, and requested statements since XX/XX/XXXX. My statements further indicate I had been making payments to XXXX, and then NAVIENT. At the time, I was also under a DEFERMENT, but wanted to make a " good faith '' payment, anyway. The latest communication I have received is from PIONEER, again. They have " threatened '' to garnish my salary! Once again, I have FAXED twice to NAVIENT to attempt some sort of resolution with them. Again, my account should NOT have been sent to PIONEER, and I want to make an accurate accounting regarding past payments, and resolutions with NAVIENT that do not include PIONEER. Succinctly : 1. I want the " harassment '' to cease from PIONEER. 2. I want to speak DIRECTLY with NAVIENT regarding the accounting of previous payments since XX/XX/XXXX. 3. I am willing to make/continue making payments to NAVIENT once this matter is resolved ( my payments of {$200.00} each, were sent back to my bank when NAVIENT claimed no record of my account with them ). All of this is extremely disturbing. I would appreciate your assistance. | ||||||
| 03/20/2023 | Yes |
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| I enrolled in XXXX XXXX XXXX XXXX, CA ( not on your list ). They misled and inflated their promises of 100 % job placement. They also manipulate their attendance records for their own gain. I was sent to an intern site during my second month and then called after 3 weeks that I would be dropped for non attendance. I was then told that I need to get back to class. When I went back, I missed 3 weeks and was sent to a room across the hall and told to read through the material and do the assignments. Essentially, I was told to teach myself. I did not understand it and did the best I could and amazingly I finished XXXX XXXX XXXX XXXX with honors. I did not know how to bill and only knew some coding from a previous XXXX XXXX class. I never received any job assistance and was also never certified as I was told. I received nothing but wasted time and debt. I was in forbearance and hardships for years before being told about income based repayment. Navient led me into years of high interest debt being in forbearance and hardship, also for their gain. Before the AG Settlement payments, I was told I did not have to do anything to receive a {$450.00} settlement check and possible forgiveness. I have not received any settlement or talk of forgiveness. I have called AG Settlement several times, and was told on 3 occasions that my case was being expedited and I would receive a check 4-6 weeks. Never received a check or correspondence. I have been told to call the Attorney General, they referred me back to AG Settlement, who referred me to call Navient, who referred me back to AG Settlement. I went on the Attorney General website and emailed a complaint XXXX and also mailed ( USPS ) them a complainXXXX XXXX XXXX have never heard from anyone. I called back to AG Settlement and was told that there is no check and they are very sorry for the misinformation. I was then told I could contactXX/XX/XXXX Consumer Financial Protection Bureau and Federal Student Aid Ombudsman. Consumer resources is the same site that I sent a complaint by email and USPS to the Attorney General. Next I will see where the Federal Student Aid Ombusman takes me. I attended this school XXXX. I do not remember exactly. The school is closed now but when I attempted to get my transcript, I was told there are no records. So why am expected to pay this loan? And why am I not entitled to a settlement that I fall in the category of. It sure feels like discrimination. | ||||||
| 11/02/2020 | Yes |
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Web | Servicemember |
| Between XXXX - XXXX I attended XXXX XXXX in XXXX XXXX, Florida. After graduating I began receiving student loan payment mandates. It was confusing because my college was being paid for by XXXX XXXX as I was an employee and any leftover was paid for through applying my G.I. Bill chapter XXXX from my military service. I was young and ignorant and began trying to pay the loan I didn't owe from the beginning. I began struggling to repay this loan almost immediately. I have had to request a forbearance at least 10 times over the past 20 years as I can not afford to pay it and Navient is demanding {$610.00} monthly payment for who knows how long it'll take to repay the loan. Originally, after I graduated, a company called XXXX took on servicing the loan but then sold it to Navient. Navient reported that the loan was for {$30000.00} and have been reporting this for over 5 years now as Navient took over the account XX/XX/XXXX. With interest, Navient is reporting the loan for over {$65000.00} on my credit report. Twice now, since XXXX I have disputed this with all three credit bureaus, XXXX, XXXX and XXXX. They have all refused to remove this account from my credit reports. They can not be requiring Navient to prove the {$30000.00} in loan as Navient can't prove this. The amounts are certainly wrong. I asked the three credit reporting agencies to have Navient provide copies of loan contracts that I signed both to me and to the credit bureaus. Navient has not provided me with one lender signed loan contract. I am requesting that you mandate Navient correct and delete the loan balance and interest balance altogether and have the credit reporting agencies do the same, immediately as this has seriously hampered my ability to acquire credit. If Navient can not provide you with proof of lender signed loan contracts then this information is incorrect and inaccurate. In XX/XX/XXXX, the IRS took my {$7000.00} refund check and applied it to my Navient account as a straight principle payment. XXXX, with Navient stated today XXXX XX/XX/XXXX XXXX on the phone that their system is now showing I owed {$50000.00} on principle when they took over on XX/XX/XXXX. As of the today, XXXX, with interest its {$65000.00}. Pay special attention to blocks 13E and 43 in the four loan requests documents as they were NEVER SIGNED by the lending officer with XXXX, the lender. Therefore, I shouldn't owe anything any money to anyone, to include Navient. | ||||||
| 06/18/2017 | Yes |
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| After getting behind on payments to Navient 2 years ago, I agreed to a program for automatic payment withdrawal from my checking account, beginning on or around XX/XX/XXXX . However, Navient attempted to make the first withdrawal 2 days before the agreed upon date. Before I was able to make a planned deposit, Navient had attempted the withdrawal at least 5 times, accruing NSF charges to my account each time. This action had a ripple effect, resulting in additional NSF charges accrued, as well as late and penalty charges, from other creditors. When I finally discovered the damage caused by authorizing the Navient withdrawal, I immediately cancelled that authorization. Because of extended periods of spotty employment due to a weak economy, my cash flow has also been weak, so the damage done by Navient was a major setback to my finances. While I managed to make an occasional token payment in subsequent months, it took until early XX/XX/XXXX before I was able to start making steady student loan payments again, which I have managed to do online pretty much to this da y, i.e. WITHOUT automatic withdrawals. However, Navient has continued to aggressively pursue a past due amount of {$1100.00}, most of which is a result of the setback to my finances originally caused by Navient. In repeated calls from their collections department, they would first attempt to collect the past due amount. When I would state that I was unable to do that, they would say my only recourse would be to agree to the automatic withdrawal program again, which I am still unwilling to do for obvious reasons. After a few months of answering these calls and repeating the same script, I decided to not waste any more time with them and just keep making my payments on time, as I had been doing for well over a year. In recent months Navient has stepped up their tactics to the point of harassment, and worse. O n 2 separate occasions, XX/XX/XXXX and XX/XX/XXXX , they contacted 2 of my professional colleagues to say I had put them down as a reference or a contact for a delinquent student loan. This is a lie. Also on XX/XX/XXXX my daughter was contacted about this loan, although she is no way mentioned in any of my loan documents. arly last month I received a letter from the Vice President fo r XXXX XXXX , informing me that if the delinquency was not resolved in 30 days my account would put under review for litigation. | ||||||
| 05/16/2017 | Yes |
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| My husband and I took out Parent Plus loans for our XXXX kids for college totaling {$110000.00}. We consolidated the separate loans into the one hu ge loan amount and the disbursement date w as X/XX/2008 . Unfortunately my husband is in the XXXX XXXX and about same time first payments were due is when financial meltdown happened and my husband lost his job.. What was then XXXX XXXX said to put in forebearance during this time.. We did.. And had to off and on during the next 5 years or so due to difficulty in finding permanent employment in the financial climate at that time.. During this time we had to file for bankruptcy, sell our home after almost incorrectly being foreclosed on. For last several years we have steady employment and every monthly PLUS loan payment paid in full and on time. ( would like to point out during the time of off and on forebearance we Never allowed our loan to go into default ). Very long story made kind of short our loan balance is currently {$160000.00} from what started as {$110000.00} loan.. Due to capitalized interest our loan balance has increased over {$50000.00} ... Insane!! We asked Navient several times along the way to possibly reduce at least a portion of the capitalized interest because that just increases the payment therefore increasing the difficulty to pay.. Was only told they do not reduce interest.. Seems as though at most vulnerable time Navient has totally robbed us by increasing loan amount and not being willing to work with us at al l .. We take this debt as well as all debts with seriousness they deserve.. Those were very unfornute terrible financial times and deserve a little more flexibility and options rating than being taken advantage of.. Somehow when speaking to cust rep at Navient today I was told our loan term had been extended due to forebearance and also 3 years for graduated repayment.. I assumed the 3 year portion was just part of the loan term. So what started as a 25 year term is somehow now 35 years. ( was told five for forebearance and three for the graduated repayment.. Which obviously still does not add up to 10 year increase ) when asked for another number I could call to discuss these questions over inaccuracies I was told there is no number for that, only an address to mail.. I told him it is extremely hard to believe that a company as large as Navient and he is telling me there is no number to discuss discrepancies.. | ||||||
| 04/17/2017 | Yes |
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Web | Servicemember |
| XXXX Dear Sir or Madam, I am writing in regards to my five XXXX XXXX Student Loans totalling {$64000.00} ( as of XX/XX/XXXX ). I have qualified and been making payments on a Rate Reduction Plan, as I, nor my cosigner, can afford to make the previously quotes full payment of over {$800.00} per month. After several conversations with customer service members, I was offered a Rate Reduction Plan of {$280.00} per month, and that amount has been automatically deducted from my checking account on the XXXX of the every month for the past year. However, last month, on XX/XX/XXXX, XXXX separate charges of {$53.00}, {$50.00}, {$49.00}, and {$47.00} were made to my checking account without warning or my consent. On XXXX, following these charges, my monthly payment of {$280.00} was automatically deducted as usual. As a result of these four unauthorized charges, my checking account was overdrawn and I had to reschedule payment on other bills. On Friday, XX/XX/XXXX upon discovering these extra charges to my account, I called Navient and spoke with a customer service representative. She informed me that the reason I was charged these extra fees was, " another team member processed the payment without realizing payments had been automatically scheduled. '' When I asked the representative how quickly the charges could be reversed, she informed me that my case would not be reviewed until XX/XX/XXXX and charges would not be reimbursed for at least 5-7 business days after that. As a result of these charges, the rate reduction plan was cancelled and I was told to call back to make my XX/XX/XXXX payment and re-apply for the program. On XX/XX/XXXX, I contacted Navient in order to re-apply for the Rate Reduction Program I have been enrolled in for a year, and was told by the customer service representative that they, " do not offer any sort of Income Based Reimbursement Program for private loans ; it is only offered for federal loans. '' When I disagreed and explained that I had been enrolled in this program for the last year, I was asked to hold and nobody returned to my phone call. I have submitted a previous complaint to the Consumer Financial Protection Bureau regarding the initial monthly payment of over {$800.00} quoted in XX/XX/XXXX, and I am prepared to submit as many complaints that are required in order to resolve this matter. Please feel free to contact me at your earliest convenience with any questions or concerns. | ||||||
| 05/22/2022 | Yes |
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| I'm trying to buy a house. I'm supposed to be out of my current XXXX Within 2 months. My mortgage broker called and told me that all of my navient accounts were reporting me as 90 days late, for several months, and consecutive months, over a year. I had contacted navient, several times for more than 2 years, trying to get my loans out of deferment, and set up monthly payments of {$50.00}. I would say to each person that times are hard during Covid, and that was all I could afford. Each person that I talked to would " counter offer '' me. Things like, " looks like we could set that up for {$75.00} per month, could you manage that? '' Or, " we can get a payment plan set up, but we are going to need it to be at least {$100.00} per month, any way that you could do that? '' Things like that every time. I would ask to speak to someone else. More times than not, the person on the phone was speaking " broken to very broken '' English. Having a language barrier during these conversations did not help matters. I was told that i need to go to their website and/or download their app. I would explain that I don't have a computer, I check my e-mails about once per month and mass erase XXXX XXXX at a time, I'm not a technical person, at all, and my phone is used for calls and texts. I just wanted to talk to a person to get this set up. I find it very hard to believe that there isn't anyone on staff, that I can give information to, and ask any questions that I may have of them regarding loans. I actually asked at least one of them, " why would you turn someone away that is trying to give you money every month? '' The last conversation was some time last year. Then I started hearing that all student loans were being " frozen, '' where payments and accruing interest were being paused. I was keeping up with all of the date extension, so that when it was over, I could try again. Mostly hoping that they would be happy to take my {$50.00} per month, since they hadn't been getting any money form anybody. I find out this morning from my mortgage broker that my credit score was horrible, and the only reason is navient. They reported to the credit agencies 90 days late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. If student loans are " frozen, '' then they should not be reporting any negative payment activity, definitely 90 late payment reporting and destroying peoples credit, goals and life. | ||||||
| 04/12/2018 | Yes |
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| In the last several years Navient has had issues keeping the details and the payments straight for my personal and federal student loans. They have given me advice that has resulted in the loan balances growing versus dropping. the private loans are now almost 25000 over the original amount borrowed. I have signed up for their rate reduction program and have had the payment automatically deducted for the last 3 years. In that time I have received numerous calls informing me that the payments are late, that the payments have not been made or applied even though they have deducted the money from my bank account. There have been many times it has taken me over 10 hours on the phone with their customer service representatives, only to be passed from one person to another, and in the end they say they have fixed it and then I receive another call a couple days later about the same issue. I have not been able to access my online account information for several years, and when I call to try to resolve this issue they tell me that the information I give them is incorrect. At one point they told me that my birthdate was not the same as what they had on file. The DOB that they had on file would have made me 16 years old. The few times that I have been able to access their online account information it shows the payments received for my federal loans but none of the details, and it shows the details of my private loans but none of the payments that have been received. I am only the cosigner on these private loans, but I am the one making the payments. The customer service representatives are vary difficult to work with when they see this fact. I did contact an ombudsman with Navient to attempt to resolve some of these issues and she talked to me once and appeared not to be surprised by the issues I was having. Yet it hasn't changed the way things are handled. The primary borrower filed bankruptcy and that created a whole set of new issues regarding these loans, and although the company still continued to receive my payments during that time I got numerous calls that informed me that the payments were not being made. I am overly certain that the payments are not being applied in an appropriate manner and it would take a financial genius to navigate Navients system to be able to prove that they are doing so. At this point they have me stuck in a payment system that will require 95 years of payments to pay off these loans. | ||||||
| 10/12/2023 | Yes |
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Web | Older American, Servicemember |
| I requested a Direct Consolidation Loan from the Federal Department of Education serviced by XXXX in XX/XX/XXXX. The Direct Consolidation loan was approved by the end of XX/XX/XXXX, paid to Navient in XX/XX/XXXX, and Navient reduced my outstanding loan balances to {$0.00} as a result. Yet, FAFSA reports on its website that I actually borrowed over {$170000.00} in total borrowing when I only borrowed less than half that amount. The DOE Consolidation loan now serviced by XXXX was paid directly to Navient, not to me. My original loan balance with Navient from my original student loan consolidation loan in XXXX amounted to {$60000.00} in total borrowing, the rest is interest. According, FAFSA is reporting that I borrowed {$190000.00} in total and owe over {$170000.00} outstanding debt. This is both wrong and unjust. When I sent a complaint to FAFSA, I was ignored and nothing was done. My second complaint regards the handling of my original student loan consolidation in XX/XX/XXXX with Sallie Mae. I applied for a direct consolidation loan in XXXX with Sallie Mae. For unknown reasons, my direct consolidation loan turned out not to be through the Federal DOE, but was run through a commercial refinance ( private ) rather than through the Federal DOE. At no time in XXXX was I told that my Federal Consolidation Loan was not being consolidated through the federal government, but was being manipulated by Sallie Mae to private commercial interests. I have since learned that the CFPB sued Sallie Mae for fraudulent servicing practices, but I am not aware of how student borrowers such as myself who were misled by Sallie Mae into student loan consolidations that were privately held. In my case, according to DOE and XXXX, none of my prior XXXX years of IBR payment history will be credited toward repayment of my student loans as a result of Sallie Mae 's fraudulent lending practices. I believe that similarly situated borrowers like myself should be provided with some avenue of relief from Sallie Mae 's deceptive lending practices. In my case, all of my loan payment history should be counted toward my repayment history of my student loans since XX/XX/XXXX. As thing now stand, my student loan debt will follow me until XXXX, according to XXXX. Since my degree was for graduate study, my loan should end in forgiveness after 25 years, not 39 years as things now stand. Thank you for any help you can provide. Yours truly, XXXX XXXX | ||||||
| 05/25/2016 | Yes |
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| Loan had been in XXXX related Deferment on a yearly basis. Navient requires yearly renewal paperwork from my XXXX office. This was submitted to Navient via fax on XXXX/XXXX/XXXX. Began receiving phone calls from Navient regarding my loan in late XXXX. The phone calls stated that my loan was in repayment status and that payments were past due. Once I explained that I had submitted the Deferment paperwork I was told that it was not on record. While on the phone they looked through my file and found my paperwork. Two weeks later began receiving phone calls again. I was told that the paperwork on file was not sufficient and would need a conference call with my XXXX. Once I was able to arrange this I called Navient back, The then stated that this was incorrect and that my loan was no longer eligible for Deferment. They stated that it had exceeded the allowed Deferment time period. I asked for a copy of my promissory note. I was told that it would take 30 days to get the promissory note to me and until then my loan was in danger of defaulting. I was told that in order to prevent it from defaulting while I waited for the promissory note I would need to make a payment.. This was in XXXX XXXX and I paid them approx. {$500.00}. In the beginning of XXXX I spoke with a different advisor at Navient who said the initial person in XXXX was incorrect and that I had one more month available of Deferment. I was instructed that I needed to submit additional paperwork and that this would be mailed to me. I continued to receive multiple daily phone calls and when able to answer I was told that it was in fact in the mail on it 's way to me. After 3 weeks I called again and expressed my concern that I had not received it. They then emailed it to me XXXX. I had it completed and faxed to them XXXX. 2 weeks later I received a notification that my loan had defaulted. Once I tried to explain the situation with multiple different levels of individuals I was told there was nothing I could do. The only thing I could do was pay the past due balance which I was told had started XXXX, XXXX before I would be able to make a settlement. I have tried to reach the XXXX via email and phone with voicemails multiple times for the past 3 months with no response. There are multiple missed payment flags as well as the defaulted loan on my credit report. These are having a substantial negative impact on my credit score which is affecting me drastically. | ||||||
| 05/04/2018 | Yes |
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| I obtained a student loan in XX/XX/XXXX as a teenager on my own in order to go to art school. I completed and graduated from art school in XX/XX/XXXX and was successful in my field early on, but the technology changed quickly and my skills were soon outdated. I originally borrowed approximately {$20000.00} for a two year program, but not long after graduation, I was no longer employed in the field and my school did not honor its promise that they would continue to help with employment after graduation. I was employed, but struggled to continue to pay my student loans and my XX/XX/XXXX, I had defaulted and lost everything. I moved back home and was able to get back on track paying my loans and decided to go back to school at University XXXX XXXX XXXX. None of the credits I had earned at XXXX XXXX XXXX XXXX were transferable to XXXX, so I had to start completely over on my XXXX degree, even re-taking the prerequisites. While I was a student at XXXX, my loans were on deferment, gathering interest for 6 years while I studied for my XXXX degree. I did not use student loans for my XXXX degree at XXXX. I graduated from XXXX in XX/XX/XXXX and had a baby in XX/XX/XXXX. Needless to say, that making my student loan payments was the least of my worries. I defaulted on the loans with Sallie Mae and was able to get back on track with my payments after my divorce in XX/XX/XXXX. But by that time, my loan balance had grown from my original {$20000.00} to almost {$80000.00}! I am paying my student loan now under the income based repayment plan, and I am a single parent, so it is based only on my income. But, I have not managed to make a dent in the loan after all these years, and I will be paying for this mistake until I am at least XXXX years old. I can not buy a home because Sallie Mae is still reporting on my credit report, even though they no longer service the loan. I requested my original loan documents from Navient from when I first signed back in XX/XX/XXXX, but Navient could not locate them. I have tried before to settle this matter and reduce the debt so that I could eventually pay it off, but my requests fell on deaf ears. I have been wronged and not given ample resources to pay this off. It seems incredibly unfair to try and repay over {$60000.00} in interest charges. I know that I made some mistakes in my youth, and I am willing to pay what I originally signed up for, but I am sick of being punished! | ||||||
| 02/20/2017 | Yes |
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| I currently have Navient as my student loan servicer. I have received numerous harassing phone calls from them stating that I was either late on my payments or the payment amounts were incorrect. Almost every month after I had made my payments early, they would call and say that I was late or I did not pay enough. So after I was manipulated into believing that I had paid the wrong amount, I sent more money and then increase the amount the next month. I was convinced by Navient that the phone calls would stop if I paid, but they did not. They kept calling me each month with the same story. I sent this email to their " Consumer Service '' email address : To XXXXXXXXXXXX XX/XX/2016 at XXXX Dear Navient, The information you have about my account is incorrect. I was told that the amount I 'm supposed to pay is {$110.00}. In the month of XXXX, I made two payments ; one for {$100.00} and one for {$110.00}. These payments were made before my due date ; at least a week or more. The emails you send are so conflicting and misleading. They do not contain adequate information such as loan/account numbers, monthly totals, etc. They are very vague and seem to be intentionally misleading. When receiving these emails and collect calls, I become XXXX. I ask myself why is Navient continuing to contact me for payment and I am making payments. Once again when my loan was with XXXX, I had no issues. I was n't harassed for payments because, like I 'm doing now, my payments were always made on time and for the correct amount. Just a quick note, all the emails you have sent are being kept. I am printing them out an comparing them to my payment dates from my online banking account. Thank God I make my payments through my bank. Also, I will be notifying them about you all. This is just a precautionary measure in case you guys try to send a payment back or say you did n't receive it. I just want to make sure they are on the look out for any fraudulent practices. I 'm not making accusation about the fraudulent practices ... .it 's all over the Internet and in the news. In the meantime, can you please update my account so I will not continue to receive these harassing collect calls for no reason? Thanks in advance. -- -- -- - Even with this email the phone calls still kept coming. Here is another kicker ; when I was receiving these phone calls, I was in school and Navient knew it. They can not continue to get away with this. | ||||||
| 01/27/2017 | Yes |
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| I have a bunch of private loans that I have been paying to XXXX and then to Navient since I graduated. All loans were taken out pretty much on a year basis. Now that I am repaying them I have yet to see my balance go down at all ( 8 years later ). My interest rates keep increasing. When I called I was told to enter the Forbearance program and even deferments. However, no one told me there would be interest and my payments would get even higher. In addition, they had processed a few payments over the years incorrectly and then charged me with " late fees '' and other fees added on top of my loan. I am currently paying {$860.00} a month. When I asked if I could release my co-signer they said no. No information on the process. I also got into a car accident in XXXX and XXXX with a doctors letter and received a handicap sticker for my car until XXXX. I was given no breaks in terms of paying my loan. If I did not pay, then they told me they were coming after everything I owed and my co-signer. So I continued to either stress to pay or enter in a forbearance. I was never explained the full details of entering into a " Private Loan ( s ) '' at the age of XXXX and never told that even your deferments/forbearance could run out. Which apparently mine has. They told me I am ineligible for anything else to help me and my situation. My dad had XXXX of the past year and I still had to come up with the payments. I have had my credit tarnished for years and they continued to raise my payments causing me to have to get behind a little but ALWAYS paying. I was told my loan because its a bunch of private loans can not be lowered and can go as high as {$2000.00} a month. Something I will not be able to afford. I did n't even know about the " Income Driven Repayment '' plan as they told me only what was available for private loans. I have n't seen my loan decrease since I got out of school yet my payments keep going up. At this rate I have another almost 25 years ( be in my XXXX ) until its paid off. I am complaining as I was not accurately informed of all of the above and then by the time they " changed their system '' and started informing you I was already out of options left to pay the full payment per month on auto-pay. Saving me nothing. I was also told I could not consolidate and nothing about forgiveness. I feel like I was lied to about all of the above and I want to know why my payments are not bringing my loan down. | ||||||
| 11/17/2021 | Yes |
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Web | Servicemember |
| XX/XX/XXXX NAVIENT PMT {$0.00}???? XX/XX/XXXX NAVIENT PMT {$500.00} XX/XX/XXXX NAVIENT PMT {$1500.00} XX/XX/XXXX NAVIENT EBILL FOR {$1500.00} XX/XX/XXXX PURCHASE ON XXXX NAVIENT COMMERCIAL CARD XXXX FOR {$300.00} XX/XX/XXXX NAVIENT PMT SPE {$100.00} XX/XX/XXXX NAVIENT PMT XXXX XX/XX/XXXX NAVIENT PMT {$640.00} a total of {$4800.00} was taken out of my account without my concent i never authorized this charges or transactions whats really interesting is that these began a month after i thought i had settled the accounts but apperantly i now know that i only settled an already charged off account that loan was already sold and charge off on my credit report and they didnt tell me that instead they send me a letter from some lawyers saying they were going to sued me if i didnt sign that stipulation afraid of having a lien put on my house i panic and call them to make it go away and they told me it would clear all accounts i confirm after when i check my navient account and all XXXX loans had a XXXX balance well sure they had a XXXX balance but behind close doors they were taking money and not reporting it I NEVER RECEIVED A RECEIPT OR STATEMENT STATING HOW MUCH I PAID OR HOW MUCH WAS LEFT.. when i called to talk to someone about this i was welcome with a bad attitude and they even laugh at me when i told them i thought those loans were settled they laugh saying " please we are govenrment loans we never settle for less than the actual amount ''. ok i said then can you tell me how this payments were authorized cause i sure didnt do it. SHE STATED THAT I DID that i log in and i made those payments from the navient website really? i sent out a payment of XXXX cent? that to me looks like they were checking the account see if it worked and if i did made that payment where is my receipt? and why is there 3 different modes of payment notice there is a PMT AN EBILL an A PURCHASE under the description of the charges charges that i did not make nor did i authorize or anyone i know i think something else happend and they wont tell me anything they even ask me where i find this stuff that they could not see it ITS ON THE NAVIENT ACCOUNT MY ACCOUNT ALL DETILS ARE THERE even numbers that dont make sense like XXXX of my loan jumping from XXXX to XXXX after receiving a refund from the school how in the XXXX does that happen it was a refund not a charge me whatever you feel like it when you feel like it charge so frustrating | ||||||
| 02/26/2017 | Yes |
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Web | Servicemember |
| After reading the news lately about the allegations against Navient, previously XXXX, I realized that I was also being mistreated and mislead by these companies - and did'nt realize to what degree until now. I currently have nearly {$100.00} XXXX in student loans, most of which are private through Navient. Navient also took over my federal loans recently from XXXX, to my regret of course seeing as how they 've handled loans so far. When I first looked into attending college, I was pushed by the " student services '' staff at my University into taking the private loans. At the time I knew nothing of college or finances, but I was assured by them that my struggling parents made too much money and these were the only way to go. What a grave mistake I made. Since then, I have been struggling everyday with this giant financial burden. I did graduate and I continue to make my monthly payments. However, I paid over {$100.00} XXXX for a XXXX of XXXX or XXXX, which did n't help me get a job making nearly enough to pay off the loans. When I began reaching out to XXXX, they were very aggressive and would continually push me into asking relatives for money, allocating other bill money like rent to them instead, and into using up all 12 months of allotted forbearance at once, not telling me that they only allow that much time over the life of your loans. I have never had a pleasant experience with Navient and my interest rates continually change. Two years ago I was desperate for help and a representative helped me over the phone to extend the life of the loans while bringing my interest down to 2.5 %. She explained that it would be locked in at this rate for the life of the loan if I added on another 10 years to it. I entered the agreement and after only one year, the rates went back up and I was stuck with 10 years on my loan agreement. When I called, they denied the original agreement and told me that the agreement was for only one year. The last time I spoke with them, I asked them if there was any way they could help me and they simply said " No, there 's nothing we can do for you. '' I have been completely mislead and find it heartbreaking that in one of the greatest countries in the world, we ca n't trust those who claim to have our best interests in mind. The helpless experience and monstrous stress has had a terrible effect on my quality of life, but I hope that it helps others avoid a similar situation. | ||||||
| 02/08/2018 | Yes |
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| XX/XX/XXXX I took out a private student loan from XXXX XXXX/Navient. The disbursement amount was {$32000.00}. XXXX XXXX/Navient was vague with regard to the terms, interest rate and repayment options from the start. Every time I called with questions they pushed me into forbearance or deferment. They told me I didn't qualify for income based repayment, refinancing or any other options. I have attached the account ledger wherein it is clear that Navient capitalized thousands of dollars of interest during forbearance or deferment periods. I was never given other repayment options despite calling repeatedly. Even when I filed a previous complaint with the CFPB the response from Navient again suggested forebearance as a solution. Forebearance only benefits Navient and is NOT a solution to my problem. My original loan amount was {$32000.00} as of XX/XX/XXXX. Navient has increased my loan amount, interest rate and payments creating financial hardship and a loan that I will NEVER pay off. As of today, XX/XX/XXXX I owe {$35000.00} and have an interest rate of 7 % and my payments are {$350.00} per month. Navient has not properly or legally serviced this loan in the best interest of the borrower. Their actions are only in their best interest. To date I have paid a total of {$27000.00} on my loan of {$32000.00} and I still owe {$35000.00}!!!! I will never pay this loan off. Navient also does not apply the correct amount to my principal therefore racking up enormous interest balance on my loan. This loan that I have paid on for over 10 years will take me another 20 years to pay off and that's if they don't keep raising my interest rate. I am asking for LOAN FORGIVENESS. Navient is engaging in illegal loan servicing practices and I am requesting borrower relief. This loan and previous forbearance and deferment have drastically hurt my credit and will continue to do so for the next 20+ years. I have contacted Navient on several occasions asking to refinance, lower my interest rate, renegotiate loan terms, repayment options ( the only repayment option they say that I qualify for is forbearance or deferment ) which is NOT in my best interest. Please help. I would be willing to settle the loan for the difference between my original loan amount and what I have already paid for a total settlement amount of {$4900.00} in a lump sum payment. This is a FAIR resolution. I want settlement or total loan forgiveness! Thank you. | ||||||
| 03/30/2018 | Yes |
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| I had a XXXX XXXX loan serviced by XXXX ( i/a/o {$12000.00} ). Navient purchased the loan and took over servicing. I also have two other loans serviced by XXXX that are staying with XXXX. I received communication from Navient to continue making payment to XXXX and that Navient would receive any payments made during the period when the loan was crossing systems. Specifically I received an email on XX/XX/XXXX stating : " Expect a brief pause in service. It may take a few days to complete the transition. During this time, your account information will not be available. Any payments you make to XXXX during this time will post to your Navient account. '' On XX/XX/XXXX I received my monthly billing statement from XXXX indicating my payment was due on this loan ( i/a/o {$110.00} ) on XX/XX/XXXX. I made my payment on XX/XX/XXXX ( Saturday ) and it posted to the AES account on XX/XX/XXXX ( Monday ). I logged into my AES account on XX/XX/XXXX and the loan was no longer reflecting and the payment had been posted to my other two XXXX loans as an overpayment. I logged into Navient and did not see the loan they were purchasing so I waited a few days until I did see the account. It was reflecting a payment due on XX/XX/XXXX i/a/o {$110.00} ( which I had already paid to XXXX ). I also have not received a billing statement from Navient indicating the payment due ( as mentioned the XXXX payment had been included on the XXXX bill ). I emailed Navient on XX/XX/XXXX ( Tuesday ) asking why a payment was due on XX/XX/XXXX and why I hadn't received a billing statement from Navient or any other communication indicating that the loan had transitioned to Navient. The reason why I am able to log into Navient is that I had another loan with them ( which I repaid last year and thought I was done with them ). I haven't received a response from Navient so this morning ( Friday XX/XX/XXXX ) I called Navient to ask why the payment to XXXX hadn't been transferred to Navient and why I hadn't received any billing statement or other communication from Navient indicating the actual transition of the loan. The representative said that it was my responsibility to contact XXXX and ask for the money to be refunded and then to make payment to Navient. I think this is an unreasonable solution since I was billed by XXXX and paid XXXX. Navient purchased the loan and should have established processes to ensure uninterrupted service to the customer. | ||||||
| 05/17/2017 | Yes |
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| Ever since I graduated college in XXXX I have been unable to pay the full monthly payments on my student loans without significant help from my family. I have made multiple attempts to lower my payments t o Navient, but they are either unavailable or I have been unable to find them. Either XXXX XXXX or XXXX XXXX I was unable to make any payments at all, and unable to find any option for deferral I stopped paying and went into default. Since then, Navient ha s harassed me, my family members, my friends and my employers. I 've been told by Navient that they handle all debt collection in house and do no sell debts to deb t collectors, a month later they sent me a letter telling me that they were going to hand me over to a debt collector if I did not settle my outstanding debt, and 2 week s later they called me trying to settle and claimed that I was not being handed over to a debt collector. During that conversation I was also told th at Navient " does not lie '' which was a flagrant lie. Before going into default I had a single federal loan ( all remaining loans are private ) o n 3 separa te occasions I ( or my mother ) sent payments with instructions that they be applied only to the federal loan, all 3 times the payments were divided among all of my loans, so we gave up that strategy of paying off smaller loans first. Trying to recall the litany of lies and harassment I have received from Navient/ XXXX XXXX would be impossible. I have receive d 8 robot calls per day, every day for a week. They have called my mother, my brother, my father and my boss, and probably others. I get strange calls even now that sound like scams ( " act fast to take advantage of special student loan forgiveness '', that sort of thing ) and when I get past the recordings and speak to a human being, they hang up as soon as I ask who is calling. They do n't send me mail in normal envelopes like a normal business. Mail f rom Navient comes i n greeting card envelopes ( no return address ) with the address written in a font that looks kind of like it was written by hand, but they seem to have their printer o n color sa ver mode, because the dither in the printing and the faint scan lines give it away. Dishonesty comes as naturally t o Navient as b reathing does for the rest of us. I once accused them of being run, if not by the XXXX himself, certainly one of his lesser XXXX . I stand by that. | ||||||
| 01/26/2017 | Yes |
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| My student loans, serviced by Navient have become unmanageable due to circumstances out of my control and now they are impacting my quality of life and causing XXXX. To be able to graduate from the University XXXX in XXXX meant that student loans were going to be a part of my future. I had no idea that they would be this heavy a burden, or that they would grow so quickly with high interest rates. Navient 's total for my loans at this time is nearly {$32000.00}. Over the course of my loans since XXXX, I 've struggled to afford payments and several times have been forced into forbearance or into income-driven repayment plans even though I have worked jobs since being in college. Navient would n't allow me to stay in my income-driven repayment plan. They said the reason was changing policies that were out of my control. These new payment amounts are far beyond my means, even though I do have a job. The deadlines for certain forms had passed before I even knew they existed. I 've done my best in keeping these loans in good order and paying them off to the best of my ability. Navient has not helped in this and at times has made it harder to understand my options or answer my questions. Unresponsive when I contact them, however Navient sometimes contacts me several times per hour 24/7. I 've asked them to limit the calls which they do not. These calls can come from all across the states. Further, I 've done some research online which uncovers thousands of similar complaints and other shady activity that could have impacted me over the course of my loans so far. The kind of predatory lending techniques used on me and other students is appalling. My loans are now bigger than they have ever been and I 'm even more worried by the fact that As Education Secretary, XXXX XXXX would n't give a XXXX about protecting my rights as a borrower and holder of student loans. I 'm seeking relief in the form of compensation for any fraudulent or unnecessarily aggressive lending tactics practiced by Navient. I 'm seeking relief in the form of aid and affordable options for handling my loans in the future. I 'm seeking relief in the form of an explanation as to why I have been targeted by Navient, being that student loan borrowers are some of the most vulnerable individuals with the most potential to be wasted. I 'm seeking to unite with others who have been wrongfully treated in order to find assistance and a voice. | ||||||
| 01/26/2022 | Yes |
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| I have two FFELP loans serviced through Navient. Both have been enrolled I. IDR/IBR since entering repayment in XXXX. My annual recertification was due in XXXX, with my current plan expiring on XX/XX/XXXX. I followed the instructions to submit my recertification application on studentaid.gov on XX/XX/XXXX. This is the same process I do every year. My application was processed on XX/XX/XXXX. The IRS sent a notification of access to the IRS data retrieval tool dated XXXX. On XX/XX/XXXX I contacted Navient because my account had not updated. I was told that I did not submit my recertification documents. My IDR plan was not approved and my payment would be increasing on XX/XX/XXXX. After explaining that I did submit these documents, I was told that they did not receive them. Navient can not access information from studentaid.gov or request information from them. I would need to upload a recalculation request directly to the Navient website. I asked that my account be put on hold while the issue was straightened out so that my XXXX payment would not increase. I was told that because I was already in forbarence or had used that time, that was not possible. I confirmed with the representative that a recalculation would cause my interest to capitalize ; adding an additional almost {$2000.00} to my loans and extending my loan term. I also asked why I couldnt apply for forbarence or deferment when I have never used either option! I was told that because I did not submit my information I had effectively forfeited my income-based plan options. The representative emailed me the steps to submit a recalculation. I refused to do either! I became very frustrated and asked that my call be escalated. I was given this information twice! Finally I was passed to XXXX XXXX. She explained that it was studentaid.gov who was experiencing technical issues. She COULD request my documents be resent. And could expedite my recertification. I was told this process would likely take until XX/XX/XXXX. I received an email stating my plan was approved later that day. Had I not argued, in tears, with this company for two hours, I would owe them another {$2000.00}! I only knew to fight it because I had this happen before and had almost {$30000.00} added to my balance several years ago!!! I will never get out from under these loans because they provide false information and trick borrowers out if repayment plans and benefits! | ||||||
| 01/21/2017 | Yes |
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| On XXXX/XXXX/XXXX, I submitted a lengthy online complaint to CFPB regarding the recent lawsuit pending against Navient. I was unable to log in to modify to my complaint. In my complaint I explained that Navient was unwilling to help me lower my rate and monthly payment amount. I failed to mention my Navient student loan is over 7 % and possibly closer to 12 %. Navient had no suggestions to assist in dissolving this loan that I never used for my education. This {$6900.00} loan was underwritten by XXXX XXXX in XXXX. Navient eventually took it over. As of XXXX - present date, I have submitted many written complaints to CFPB, written and verbal to XXXX XXXX XXXX, Navient Office of the Advocate, DOE, and XXXX referencing XXXX XXXX University online and Navient Student Loan with no result. I demanded more information on this student loan origination showing deadlines to withdraw from the online university. The only document Navient had on file was the promissory note that I signed. Of course I signed the promissory note, that is the only way the loan would get funded. I immediately withdrew from XXXX and Navient 's claim is my withdrawal date was past the deadline and my loan would be in repayment status. I have all documents to all parties involved to support my claims of trying to find a solution to dissolve this loan with Navient or verify if it was a legitimate. Initially I contacted Navient customer service to address this loan issue. Once I understood their customer service representatives were not helpful, I had to type a letter to Navient and send it certified to ensure my complaints would no longer be ingnored. XXXX XXXX responded to my complaint. XXXX XXXX XXXX - XXXX suggested I contact XXXX to obtain transcripts to release me from the loan. If there were no transcripts, Navient would use this as proof I never attended. During my two - three day research I found out XXXX XXXX Online was involved in illegal activity, changed their name to XXXX XXXX University and eventually closed permanently in XXXX. I contacted Navient several more times throughout XXXX of XXXX, asking for help and if they could find any records also. Navient was no help at all and no return calls to address my concerns. I was worried if I could make the payments and how my credit would be impacted by the bad debt, Navient never thinks about the struggling students who never found a full time job to mirror their education. | ||||||
| 05/19/2017 | Yes |
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| I recently contacted Navient Customer Service on XXXX XXXX , XXXX to discuss payment plan options with a customer service agent. I have been paying my XXXX XXXX student loans for 7 years, some of which are serviced by Navient. I have to call once per year to go through a financial statement to assess what my monthly payment will be for the year. In XXXX I was provided great assistance by one Customer Service agent. She managed to place me in a program for 15 months with an affordable monthly payment and a reduced interest rate. I made the payment every month on time by automatic debit from my checking account with no issues. I had called on XXXX XXXX , XXXX to see if I could continue such program, or perhaps get into a different program with similar benefits. I reached a customer service agent who was rude from the outset. It was clear she was not interested in helping me. We started going through my financial statement, and I was candidly answering the questions. When I answered her question as to how much my monthly grocery bill is, she did not like the answer as she believed that it was " too much ''. She asked " is anyone on a special diet ''. In all the years I have been dealing with Navient, I have never been asked the type of personal and inappropriate questions this agent asked of me. She told me she needed to put me on hold so she could research my options. She kept me holding for ove r 20 minutes, then disconnected the call. I called back to reac h the same agent, I was told I was being put through to her. She put me back on hold, and then must have ended the call without even addressing me, because the customer service agent satisfaction recording came on ( which is only played once the call is complete ). On XXXX XXXX , XXXX , I began receiving email notifications that there were new Navient Loan Documents available for my review. The customer servi ce agent had clearly been processing unauthorized requests on my behalf without my request or approval because I have documents denying me certain programs ( that I have never applied for ). This customer service agent was clearly trying to harm me and financial state. She asked where I work, which is informatio n Navient has always been privy to. For the first time ever, Navient is contacting my office without my approval. This kind of behavior, harassment, and unprofessional customer service should not be tolerated. | ||||||
| 01/02/2019 | Yes |
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| Below you will find the dates of loan disbursements, my payments, and interest accruals. You can see there are two amounts for {$2700.00} listed on XX/XX/XXXX. One of those is a payment, the other is an additional charge they made. As I had already graduated and was no longer receiving loan disbursements there should have been no charge there. For the payment I made on this date I also asked the money to pay the entirety of my smallest loan ( XXXX ) and the remaining money go towards paying for my second smallest loan ( under XXXX ). I reached out to the lender in XXXX when I noticed the payment was no allocated as I asked and when I noticed my account said I owed more than the records I have and they have been sending me state. Taking away the addition of the XX/XX/XXXX {$2700.00} that should not be there I owe {$34000.00} but the lender is saying I owe {$41000.00}. Date Description Principal Interest Total XX/XX/XXXX PAYMENT {$0.00} ( {$50.00} ) ( {$50.00} ) XX/XX/XXXX PAYMENT {$0.00} ( {$50.00} ) ( {$50.00} ) XX/XX/XXXX????????? {$2200.00} {$490.00} {$2700.00} XX/XX/XXXX PAYMENT ( {$2200.00} ) ( {$490.00} ) ( {$2700.00} ) XX/XX/XXXX PAYMENT ( {$50.00} ) {$0.00} ( {$50.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX PAYMENT ( {$2800.00} ) {$0.00} ( {$2800.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX PAYMENT ( {$1600.00} ) ( {$1300.00} ) ( {$3000.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$2200.00} {$110.00} {$2300.00} XX/XX/XXXX PAYMENT ( {$3700.00} ) ( {$550.00} ) ( {$4200.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX PAYMENT ( {$2400.00} ) {$0.00} ( {$2400.00} ) XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$3400.00} {$0.00} {$3400.00} XX/XX/XXXX DISBURSEMENT {$2200.00} {$0.00} {$2200.00} XX/XX/XXXX PAYMENT ( {$500.00} ) {$0.00} ( {$500.00} ) XX/XX/XXXX DISBURSEMENT {$2500.00} {$0.00} {$2500.00} XX/XX/XXXX PAYMENT ( {$40.00} ) ( {$10.00} ) ( {$50.00} ) XX/XX/XXXX DISBURSEMENT {$2500.00} {$0.00} {$2500.00} Total {$34000.00} | ||||||
| 03/28/2017 | Yes |
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| Hello, I have been on Income Based Repayment for my federal loans since XXXX, and I decided to switch to the REPAYE program. On XXXX, my wife and I submitted an Income-Driven Repayment ( IDR ) Plan Request using the studentloans.gov website ( form OMB No. 1845-0102 ), which successfully obtained our XXXX federal income tax information and forwarded the request to my loan servicer, Navient. On XXXX, their representative acknowledged Navient 's XXXX receipt of this request after I inquired after its status. At that time, she requested 15 business days to process the form from the time of their receipt ( which would have been XXXX ). After hearing nothing regarding my submitted form by XXXX, I again inquired. A different representative replied on XXXX, stating " We are unable to switch plans until the IBR plan is terminated '', and that such a request MUST be made over the phone. On XXXX, I informed them that a signed, written authorization which precisely matched their instructions was already included in Section 6 of the submitted form ( OMB No. 1845-0102 ), and that I would submit a public complaint to the CFPB if they did not accept the official form. On XXXX, a third representative responded and persisted in refusing to process the XXXX request. It is now over 30 business days since the form was submitted, and this corporation has failed to act upon it. This private corporation ( Navient ) lacks the authority to arbitrarily ignore an officially approved form containing written, signed authorization for a process they are supposed to be facilitating on behalf of the Department of Education. Not only that, but they only communicate these arbitrary rules after one has submitted the legally proper form. Such blatant non-compliance is unacceptable. Also of note, upon my logging into their website, Navient is now are asking for reverification of my IBR plan by the end of XXXX, the time at which I would normally resubmit this exact form. That they refuse to use the submitted form despite its clear instructions is evidence that this private corporation is abusing its station and creating unnecessary paperwork for XXXX citizens. Such an act seems to be a violation of the Paperwork Reduction Act of XXXX. I will add that throughout this process, the individual representatives that have contacted me have been courteous and non-threatening, despite being unhelpful. Thank you very much for your time. | ||||||
| 12/03/2020 | Yes |
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| I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations. | ||||||
| 07/17/2018 | Yes |
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| When I first left college in 2005 it was really difficult to get a job in my field ( XXXX XXXXr ). I was able to get a job but the income was low and my loans were at about 80-100K. I did not have to pay for six months and then the calls started. I was simply unable to live and pay at my XXXX dollars an hour wage. Sallie Mae was my loan provider ( Now Navient ) and their offer was forbarence and they did not offer me a lower repayment plan. Few deferrments and forebarances later, I was making a little over what I had after graduation but not nearly enough to pay the 500+ per month and live and eat. Only years later, when I maxed out my forebarances and my credit score dropped to XXXX-XXXX did they begin to offer lower repayments. By this time my account ballooned up to a whopping $ XXXX and the principal increased. Once I got a decent job I was offered interest only repayment which I paid successfully for two years. Once that plan expired they were unable to reinstate it and now I have to pay XXXX plus the Federal Loan ALSO serviced by Navient. Their claim is that I am left with XXXX XXXX dollars per month. I have XXXX savings and my costs fluctuate. I need money for incidentals car repairs and emergency situations which I simply don't have. This has caused me significant anxiety over the years that I am now on medication because of this. I don't have a wealthy family and nobody to advise me. I took them for their word not understanding or knowing available options. Ive always wanted to pay but forebarances we're all they offered until my credit score was as low as it can be and I was not able to pay. I can pay now and I want to pay now but within means and I keep receiving calls telling me they can help only to tell me they can't. Currently I am expected to pay XXXX per month which means I can't rent or own a house making me regret ever going to school in the first place and trusting Navient and Sallie Mae. The information they provide is not complete and their staff is ( not everyone ) mostly incompetent and frequently provide incorrect information resulting in many calls to get someone that can at least tell me correct information. And saying they can help is a tactic to get me to call back and tell them that I can not pay what they ask. I don't know what else to do but pay smaller amounts every month that are within my means regardless of the insane minimum payment that they trapped me into | ||||||
| 11/01/2017 | Yes |
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| Several weeks ago, I initiated a loan consolidation through XXXX for all of my student loans managed by Navient. Doing so, would lower my overall interest rate for each student loan. On XXXX XXXX ( XXXX XXXX, I received a confirmation from XXXX that the monies had been sent to my previous lender : Navient. Monday, XXXX XXXX ( XXXX ), I set up auto-payment with my new provider to take advantage of an additional ( XXXX ) discount on my new interest rate. Also, on XXXX XXXX ( XXXX ), I received an outstanding payment notification from Navient. I was surprised by this because I was expecting that all of my monies would have bee processed and my accounts closed with Navient. So, I decided to call Navient and learn what was holding the consolidation monies from paying off my account. In my conversation with a representative, I learned that Navient rejected the consolidation payment. When asked, " why? '' I was told that my account had a comments stating that I requested for the consolidation payment to be cancelled. When I pushed for more details from the representative about who could have made such a decision on my account, and when that communication was made, the representative offered to put my account in Forbearance to bring my account up-to-date and to escalate the issue to ensure that the consolidation monies are reactivated and processed. I am reporting this issue because I doubt that anyone instructed Navient to cancel my loan consolidation payment. Moreover, the representative 's handling of the situation allowed them to use this situation as a reason to change the current terms of my loan under the guise of doing me a favor. This will end up costing more money as a end result, because forbearance allows interest to accrue daily, which is more than 1 XXXX the existing payment plan that I already had with Navient and 2 ) the new plan initiated with XXXX. After speaking with the Navient team, I contacted XXXX to see if they had received any communications from Navient w/r/t cancelling my student loan consolidation payment. They confirmed that their offices had not received any notifications of such a change. I would like the CFPB to look into this matter because there seems to be no room for recourse should Navient choose to further delay my loan consolidation payment from XXXX. Furthermore, it would put me in a situation where I am obligated to pay two loan companies for the same debt. | ||||||
| 07/17/2023 | Yes |
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| My loans are with Navient. On XX/XX/XXXX I re-certified my XXXX application. I did not get a response until roughly XX/XX/XXXX. The response indicated that they were attempting to certify the application, but it has yet to be processed fully. At that time, I became somewhat suspicious that Navient was not handling my application properly. On XXXX XXXX I got a letter stating that my loan was being prepared to be fully designated for repayment. At that point I contacted Student Loans. gov. and my States ' Higher Education Department. I was then advised to speak with a Navient Student Loans manager directly. I did so on XX/XX/XXXX, and explained my issue and was told that they would review my complaint forthwith. In XX/XX/XXXX I received a letter indicating that my loan was about to be put in default and also reported to the credit bureaus. Shortly after I received an electronic letter from said manager with her decision in the matter. The electronic letter was encrypted, and I was not able to open it. I then contacted XXXX again to ask for this complainant to be escalated to the ombudsman. Still to this date I've not heard for ombudsman. In the meanwhile, I started getting collection calls from Navient. In XX/XX/XXXX I was contacted by Navient collection representee who informed me that my original application for XXXX was denied because I indicated that my income would change in the upcoming year XXXX. I disputed this and asked for documentation showing when/where this statement was made. The representative said she didn't have this information available, and she would investigate but in the interim I need to make my account 'current ' through temporary forbearance and then re-submission of IDR application. I asked why do I have to re-submit if you going to investigate? She stated that the investigation takes time and I need you to make the account current immediately through forbearance. Since this discussion I've become very suspicious that Navient dismissed my original application to reap more interest and steer me into un-necessary forbearances. The reason for my suspicion is validated by my discovery through SLG of my original application that made no mention of so - called " expectation of future year additional income. '' Furthermore. I've witnessed this tactic with Navient before and it now seems to be a pattern when applying for XXXX. Thank you for your consideration and please advise. | ||||||
| 10/24/2017 | Yes |
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| My loans were distributed on XX/XX/XXXX in the amount of {$160000.00}. Loans were from multiple sources for my XXXX at XXXX University and XXXX XXXX at XXXX XXXX XXXX. They were consolidated into 2 accounts by NAVIENT for repayment. My current balance is {$190000.00}, which is an increase from my original loan, even though I have made payments. As of XX/XX/XXXX, I have made 58 payments to NAVIENT totaling {$45000.00}. After 58 payments my balance has not gone down, but up. This did not make sense, until I exported my payment history into a spreadsheet to figure out how this is possible. As I looked at the math on the spreadsheet, it became clear that out of {$45000.00}, only {$8700.00} went towards the principal, {$34000.00} went towards interest, and {$1300.00} went to late fees. The other shady part of this loan is that during the times I asked for student deferral while in class, NAVIENT would not only charge me interest, but also capitalize it. Which really means double dipping. Basically any amount late after 30 days was added back to the principal loan amount. For me thats {$36000.00} that was added back into the loan balance. Remember my paid in amount of {$45000.00} ; {$34000.00} interest and {$1300.00} fees= {$36000.00}? Notice how even though I paid {$36000.00} in interest and fees, they then took almost that same amount {$36000.00} and added that back into the total loan balance. This is the magic behind a balance increase even after 58 payments were made. Basically Im running on a treadmill backwards, if that makes any sense. No lender should be able to do this and especially without informing customers of this practice. Stuff happens and I can understand a late fee here and there, but to turn that late fee into a 120 % win-fall is ridiculous. Also I was not in an income driven payment plan from the beginning, I just found out about that on my own, doing research. NAVIENT put me on a payment plan with lower monthly payments, but I would be paying until the year XX/XX/XXXX. I just changed it myself and saved myself 15 years and $ XXXX. This is unfair to have no choice in the loan servicer the government provides and for NAVIENT to be able to take advantage of students. How do I get out from underneath their control and not lose my federal student protections? The capitalized interest {$36000.00} should be removed from my loan balance, this is not fair, it is a fee on top of a fee. | ||||||
| 07/17/2015 | Yes |
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| I have nearly XXXX in student loan debt with Navient, from loans that were originally taken out with XXXX XXXX, and then transferred to Navient without my consent when the company split. I am currently finishing my last year and a half at XXXX University, and am in school full time pursuing a XXXX degree, as well as working unpaid in a XXXX for needed experience to get into XXXX school. I am unable to work as much as is necessary due to the XXXX hours a week that are dedicated to school and XXXX work, not to mention the cost of living ( rent, bills, food, etc. ). Last year I made under XXXX, and still barely managed XXXX hours of sleep a night. I called Navient to ask if they could either lower the monthly payments, postpone them until after school, or put them in forbearance for at least a few months so that I could try to find a solution. I was told that they had no option for financial hardship, and I would either have to pay, or my account would go into default. What? XXXX XXXX, as awful as they are, at least have a program for financial hardship, that allows you to put your account into forbearance for a maximum of 12 months. The woman on the phone was not only rude, but then started lecturing me about how it should n't be so difficult to come up with the money, and that I could ask family and friends to just give it to me, and that my payment really was n't that much anyway. I explained that my rent is $ XXXX ( which is cheap in XXXX ), and that bills, food, etc. were already over what I was making, and that I was barely able to cover the basic minimum. She said : " Well there 's nothing I can do. You have to pay. I 'm going to end this call now. Call us back when you have the money. " Are you kidding me? The whole point of a student loan is to enable students to get the education they need in order to get a lucrative job in the long run. I will have a XXXX and XXXX in 5 years, with which I can get any number of high paying jobs. I have no intention of defaulting on my loans, and every intention of paying them back. How is it possible that a federally endorsed student loan company is both " unable '' and unwilling to help the very students that take out the loans with setting up a payment plan that is reasonable? Do they not realize that they will lose more money by forcing students to default on their loans rather than reducing their payments to make them affordable? How is this legal? | ||||||
| 06/27/2017 | Yes |
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| I have struggled to pay the large amount of private loan debt I incurred 13 years ago whole attending college. I have tried my best to always make my payments by working side jobs and moonlighting even though it is against my employers strict policy. The market is not what it used to be and this work has reduced considerably and I can no longer continue to do this work because I can lose my job. My wife is a XXXX XXXX XXXX mother to our XXXX children, I am the only working parent, I can not afford to lose my job, bottom line. Increased costs of health care and cost of living and the loss of this extra income has left our budget negative every month. It has been really hard keeping up with the over {$150000.00} in student loans both federal and private and we have fallen 5 months behind on my federal loans. I have used all forbearance in the early years of my loans and filed bankruptcy in XX/XX/XXXX in an effort to try to make things work but it is not working as our family grew after XXXX XXXX XXXX children and having a child of our own ( which we were told was impossible ). I 've spoken to Navient many times looking for options and programs and at this point there is not much left. I appreciate that they have considered me for lowered interest programs but even the lowest interest rate is still a {$450.00} payment on top of another {$270.00} for federal loans and we simply do n't have an extra {$720.00} each month. I spoke to Navient on Friday XX/XX/XXXX and the rep on the phone admitted that private loans just do n't have the programs ( like IBR ) that federal loans have and there was n't a lot of relief for me there. She seemed understanding and listened to me for over 25 minutes, I explained all of the above to her. Then she told me she had to transfer me to a manager to " record '' everything we just spoke about. He was rude, loud, and inappropriate. He said, " so what bill are you not going to pay this month so you can pay Navient ''. suggesting that I not pay what? electricity? food? Their phone calls are getting more aggressive and they are now calling my place of work which I have asked that they do not do. I am not allowed to get these kind of calls to my place of work. I was told last time that the number would be removed from the list and they would " leave a note to not call me at work ''. I just recieved another call to my office from them and they hung up on the receptionist. | ||||||
| 11/11/2019 | Yes |
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| I previously had payments going through with the XXXX for monthly payments. After realizing these payments stopped going through, I called the XXXX back in XX/XX/XXXX/XX/XX/2019 to start making payments again. XXXX said they could not do anything for me, and connected me to Navient. When speaking to Navient, they seemed to be clueless about the process and told me there was nothing they could do unless I paid them the amount of around $ 600- {$800.00} that day. After I told them I could not do that, they then told me I should look at the other programs out there to get this resolved. I told them all i wanted to do was start making payments again but they continued to tell me there was nothing they could do. I then started to look into what other options I had and it started to make no sense that Navient could not do anything for me, so I called again and got another clueless rep who just wanted me to pay money that day. All i wanted to do, was start making payments so it doesnt go past the defer date. Fast forward to XXXX and I am getting a notice my wages are being garnished. I called XXXX, they used the excuse they could not do anything at the time because the account was with Navient. I called Navient to get their excuse, and in return just got some rude lady who again did not care and again told me theres nothing they could do because it was sold through the XXXX. Since my loan was then sold through the XXXX to another collector, interest was added. It feels like they intentionally blew me off so my account would defer and more money could be collected. If I called both the XXXX and Navient trying to get this resolved ( and have phones logs of this even though they tried to deny it ), but continuously get blown off, why am I supposed to deal with interest added for this XXXX up? I am being forced to sign into an agreement with another servicer, because if I dont an unfair amount of wages will be garnished to where I can not pay bills. Originally when I called the XXXX, I wanted to see if they'd admit to me calling them in XXXX, and they said they do have records of this. However, when I got on the line with someone else to get an excuse why this happend, mysteriously they have no records of me calling. I doubt this will do anything for me and doubt anything will happen to Navient or XXXX, as this has happend to several other people and they have a track record for this kind of behavior. | ||||||
| 07/17/2019 | Yes |
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| Navient is my student loan servicer and I enrolled in the income driven repayment plan. My initial payment was {$93.00} which was super manageable. I enrolled in auto pay so that I would not miss any payments. I was advised by customer that my plan could be reevaluated and/or I could select another option for repayment as needed annually. The customer service rep said Navient works with every budget so borrowers do not default or end up with unmanageable payments. In XXXX, I earned more than I did in XXXX and my payment is scheduled to jump from {$93.00} to almost {$600.00}. I did receive a raise, but that income also reflects repaid expenses for regular business travel, etc. Also reflected in that income is a massive vacation payout for hours that would not roll over into XXXX. Total income for XXXX isn't an accurate picture of my salary. Also, I only received this notification of the new payment on the Navient online system which could easily have been overlooked. I think it was designed to be overlooked, in fact. I immediately opted out of auto pay and ONLY then did I receive an email from Navient letting me know they were reviewing my request and would let me know if opting out of auto pay would be approved. I immediately called customer service and was told that my only option was forbearance so I applied. I was told that this would help me be approved for opting out of auto pay so that my account was not likely to be drafted. I was shocked. I removed all banking information from my Navient account but I do not trust that they will not deduct the new payment amount on XX/XX/XXXX. When I tried to explain my finances to the rep, she suggested that I claim a dependent to bring down my payment. I told her I don't have any dependents and she then said the lowest amount she could reduce my payment to would be {$360.00}. I said where did that arbitrary amount come from and she couldn't answer me. I told her that I had calculated that the payment would be closer to {$150.00} or {$200.00} which would still be manageable. I asked about all the options I was told I would have originally and she had no answer. I can not afford the two options she offered and need help to either restore what I was paying previously or a payment that is not more than {$200.00}. That is the max I can do! I also do not want to be in forced forbearance because Navient isn't giving me any workable options for repayment. | ||||||
| 11/05/2022 | Yes |
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| I successfully discharged my XXXX XXXX XXXX with Navient in 2016 when I became permanently XXXX and diagnosed with a rare XXXX. I was unaware about the major differences in the discharge process from Federal to Private loans and was fortunate enough to have my co-signers continue making payments because I could not and now I have been granted XXXX due to blindness. I contacted Navient after receiving many types of billing statements and letters regarding one of the XXXX currently active being past due because my co-signer has had significant financial setbacks due to XXXX and can not afford to pay them. I submitted my proof of XXXX award letter from Social Security and was told that if I made a {$50.00} payment on the past due account it would place a forbearance on the account for a year I was also informed that it would no longer reflect it being past due even though it never showed an amount due other than XXXX.and my credit would recover from the massive hit it took when Navient started reporting it as past due. To my knowledge that has no happened. When I go to my account information it still shows as past due I am told but that no payment is currently due. My other 2 loans appear to be in good standing and one has been in forbearance for some time. I was also emailed by Navient recently that my forbearance will be ending soon. but then another email states that a new forbearance was just started. They are well aware of my medical and XXXX issues yet they confuse me by not doing what they say they will in addition to requiring even more documentation which is difficult since I am homebound and XXXX XXXX XXXX presently. Why is the official award letter from Social Security not sufficient enough rather than having to request from my XXXX and very detailed report regarding my XXXX and one that costs money to do and that is providing information that XXXX might find to be a violation of my medical records to people unknown? I am also preparing a malpractice lawsuit against the doctors that have made me XXXX XXXX XXXX so it is questionable and uncomfortable to ask them to spend time filling out the details. I could discharge my Federal loans easier and faster than my private loans at a time when my life is in the balance and the stress over resolving these few loans have ruined my credit and caused me great XXXX and hardship. I will attach statements confirming my complaint for review. | ||||||
| 02/10/2023 | Yes |
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| Navient is violating the Debt Collection Rule under the Fair Debt Collection Practices Act that was issued on XX/XX/XXXX. Navient has called me 9 times in a 7 day period and twice in the same day *after* speaking with a manager ( XXXX ) about the debt. The manager also threatened to send the matter for litigation before my supposed amount of time and stated I should really look up what default means and then proceeded to state " I can see you own a home '' - as in she was threatening the home I own but also threatening the 2 other people on the deed, this is a continuation of the harassment I have been receiving from Navient. They are also violating my state 's ( Connecticut ) 2 Party XXXX law when I have repeatedly stated I do not consent to being recorded- multiple Navient employees have ignored me and have even made statements such as " by you staying on the line that is consent '' - which of course is very false. Navient has stated to multiple agencies they have not violated this law, except - call logs show extended time on the phone and of course ... .there are recordings. I have been hung up on, Navient sends me emails stating I have a " dedicated account representative '' even though that person has never once contacted me and when a Navient employee calls and I state I was told I have a " dedicated account representative '' they ignore me. The attached will show Navient calling me from a NY based phone number as well as their manager calling me from a DE based phone number. All calls stated below were answered by me except the XX/XX/XXXX XXXX but that was placed in the same day that I picked up earlier in the day. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after ending the call with the manager, another XXXX conversation with an employee ). XX/XX/XXXX = XXXX XXXX XXXX XXXX this makes the 3rd in one day, and I expressly asked the employee on the XXXX call if I was going to be called again at night as it was apparent Navient placed me on a 2 call per day harassment schedule - one at the XXXX hour and the other at XXXX hour, does not matter if I picked up an earlier call or not. XXXX Navient has violated this rule once before | ||||||
| 10/28/2017 | Yes |
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| Copy of letter sent to Navient : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX XXXX Account : XXXX To Whom It May Concern, On XX/XX/XXXX I spoke with a representative about switching my repayment plan to the new REPAYE program. The representative informed me of how to apply for the change ; part of the new application was to apply for a one-month forbearance, call as soon as I submitted the application, and make a {$5.00} payment. I submitted the application the next day. On XX/XX/XXXX I spoke with a representative to make the {$5.00} payment. I was informed that a one-month forbearance would capitalize all of my interest unless I made a full payment of {$630.00} by XX/XX/XXXX. I agreed to these terms, and looked at my options to make this full payment. Later on the same day, I saw that I could have the money ready for payment by XX/XX/XXXX. I received several correspondence letters, one with the terms of the forbearance. It stated that payments will resume on XX/XX/XXXX. On XX/XX/XXXX, I received a correspondence letter stating that I have been approved for the REPAYE plan. When I logged in to see what my new payment would be, I noticed that all of my interest was capitalized less than a week after my forbearance was approved. I spoke to a representative, who informed me that the forbearance was set to end on XX/XX/XXXX, not XX/XX/XXXX. I asked for the capitalized interest to be removed, thinking there was an error. The representative stated that she can not do that, but she can transfer me to a supervisor. I spoke with XXXX, who again told me the same information. She told me that a new policy back dates forbearance approvals this meant that my forbearance began on XX/XX/XXXX, and was scheduled to end on XX/XX/XXXX. XXXX instructed me to write a letter with this information ; she also sent the case to review. I would like the capitalized interest removed from my account. I do not feel that forbearance terms should be changed without informing the customer. I have submitted a {$650.00} payment, which will make my account current to the terms I was given. I have also included a copy of the letter of my forbearance terms. Thank you for your time. Sincerely, XXXX XXXX XXXX Follow up : I did not know about CFPB complaint process until recently. I received a letter from Navient stating they were correct in applying the interest, despite the fact they retroactively applied it. | ||||||
| 09/15/2017 | Yes |
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| I began receiving nonstop calls to collect money for both of my Navient and XXXX XXXX loans my Sophomore year of college, XX/XX/XXXX, once to twice a day every day. At first, I would let them know that I was still in school and could not repay as of right now. They continued my entire school career and continued after graduation XX/XX/XXXX. They did not stop calling even while I was making payments to my private loan interest during school. At one point, they sent a collection agency after me my senior year in XX/XX/XXXX. They began calling me from different numbers to try to fool me - I have voicemail records for the past two years of the different numbers. They started calling me during class and almost twice a day, it got so bad that I had to block every number I knew they were attached to. Also, Navient and XXXX XXXX began calling my mom - who is not a cosigner or even listed on any of my loan paperwork. They did not stop calling me on random numbers until after I began an automatic payment plan of $ XXXX/monthXX/XX/XXXX. And it is possible that they are still calling but can not get through because I have blocked them. At first, I thought it was going to be great to have it taken out automatically - but then it became that the $ XXXX/month does not make a single dent in my private loan. I have it set that my repayment is supposed to be split between loan and interest ( half and half ), but it is currently only covering my monthly interest and of course, the private loan continues to increase because of the interest that I am so called paying off. I have talked to multiple Navient customer service operators about how to allocate the funds differently and have tried to explain my situation - the operators did not help me and are extremely rude. They simply " explain '' why I must pay at least {$330.00} and suggest that I should pay more to get ahead of my interest. The payment to my actual loan never exceeds $ XXXX/month and the rest is applied to interest. And as of right now, the amount allocated to my actual loan is decreasing while the amount allocated to my interest is increasing. In the attached files - every number that is from XXXX XXXX, TX, XXXX, PA, or Unknown is from XXXX XXXX and Navient. ( Unfortunately, I broke my phone before I graduated and lost my screenshots of the previous calls - but I can always request phone records from my carrier if more evidence is necessary ). | ||||||
| 01/27/2022 | Yes |
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| I have several federal student loans through Navient that were taken out in 2005 for XXXX XXXX XXXX XXXX XXXX. Through the years I have not been able to pay so I have been enrolled in an Income Based Repayment Program, which after so many years my loans would be forgiven IF I renew every year. Every year for about XXXX I have had no problems, until last year. I, like so many others lost their job during Covid lockdowns and safety measures. So I ended up on unemployment, making less than the previous year - which like so many years my XXXX XXXX XXXX XXXX ( XXXX ) annual renewal had zero problems. But when I make less money, I get repeatedly denied - just like this year when I applied in XXXX, receiving my rejection letter on XXXX. Currently I make less than {$1000.00} a month. Per the laws I am entitled to financial help, which Navient has denied for a second year in a row. Last year after literally yelling and screaming on the phone I was able to get my XXXX instated after seven months of fighting. And even then I was lied to because I was told I would only have to pay {$17.00} a month but actually paid over {$24.00} a month, so you can see I have zero trust for Navient and its practices due to their repeated disingenuous actions. This years rejection letter stated that because I am paid XXXX out I am not eligible for financial help. Why am I paid 12 months out? Why do I continue to be rejected when I make even less money each year for the past two years? No one will answer me in the multiple attempts trying to contact Navient. It is my belief since my loans would be forgiven in about XXXX Navient is now trying to ensure that I fail at my renewal so they can up my monthly payments, and ensure that my loans never are forgiven. Since I had so many years of successful annual renewals for my XXXX program, its really the only avenue I see from their repeated behaviors over the past 24 months. Also since the loans have been issued I have received at least three class action suit payments due to Navient 's blatant infractions, which reinforces my belief that Navient is now being disingenuous and again attempting illegal business practices ; because after all the crime is more than the fine these days. And lastly I believe I illegally paid Navient last year and now they are trying to cover it up saying I am paid over 12 months out. Thank you for your time and any help in regards to this matter. | ||||||
| 05/08/2017 | Yes |
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| I applied to consolidate and refinance my federal student loan from an agency called XXXX XXXX XXXX XXXX in XXXX XXXX , in order to reduce the payments I was making at the time. I completed my application for consolidation and refinance, and received word that my new consolidated private loan was sold/given to Navient. I prepared to begin payment of my loan in XXXX XXXX , and continued to receive billing statements from XXXX XXXX , my previous federal loan servicer. I proceeded to call and speak with customer service representation at XXXX XXXX , who stated that there was no information in their data base indicating my loans had been paid off and/or consolidated. In turn, I called XXXX XXXX . The customer service representatives at this agency also stated that it appeared as if my consolidation process/payoff was not presenting as complete. In turn, I called Navient, wh ose customer service representatives stated that no evidence of partial consolidation/payoff was observed, and that further inquiry would be required. Thus, I had received verbal guarantee from representatives of both XXXX XXXX and Navient tha t inquiry would be made regarding the observed and confirmed error, and follow up communication would occur. I waited for a period of weeks, with no reply from either entity regarding this matter. Meanwhile, XXXX XXXX continued to bill me for the federal loan. In the same period, Navient private loan department began contacting me about payment deadlines for my new private loan. At this point, I became very concerned, as I had XXXX agencies billing me simultaneously, and no follow up communication to update me about the progress of my consolidation, even though my loan was stated to be complete and privatized p er Navient. Without any further communication from the aforementioned parties, I developed an emotional panic, and reached out to a third loan consolidation agency, which in turn led to financial victimization ( See CFPB complaint # XXXX ) . The ultimate res ult of this error has been significant unethical financial loss to my family, as well as a persistent emotional distress I have experienced since it became apparent that multiple agencies were billing me for a student loan, and I received no follow up assistance despite the appropriate communication efforts, which I made in good faith and trust in these entities. | ||||||
| 11/05/2019 | Yes |
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| I have had auto payment on my loan with Navient for years. On XX/XX/XXXX, I changed the account on which the payment should come from. Since the change would not go into effect until the next payment cycle which was XXXX, I made a one-time payment using the new account so that I would not go past due ; this payment did go through. While I was on vacation I started getting VM saying that I needed to call Navient and make a payment so that my account would not be negatively impacted. When I got back XX/XX/XXXX, I logged into my account to see that the account from which my payment would be deducted was no longer linked. I went through the process to link the account and it said/showed the account was active. I then tried to make a payment and the system said that it was invalid. I tried to link my old account and went through the same process to have the system say it was invalid. I waited 24 hours ( XX/XX/XXXX ) thinking that I may have locked the account and tried to link both accounts. The same thing happened saying it was invalid. I called Navient and spent over an hour on the phone with 2 different people. The 2nd person said that it was my bank that was blocking the payment. I gave this person my credit card information to make a payment so that my account would not go past due. I then called my bank and spent another hour on the phone with them ; they told me that they were not denying the payment and that Navient was refusing to take the payment. I received an email yesterday from XXXX stating that I was going to get a refund for {$120.00} but the email did not give me any details except to contact Navient if I had any questions. Then last night I received a call from someone at Navient stating that my account was past due and that I needed to make a payment immediately. I stated that I had made a payment on the phone already and that my next payment was not due until this month. They told me that the person I spoke to from Navient made the payment directly to the Department of Education. This whole situation raises huge concerns of how my loan is being handled. Not only am I dealing with possible delinquency on my account but someone from Navient took my personal information and credit card information. Now I have absolutely no faith that my account has been handled properly this entire time. I do not know if payments and/or personal information have been handled appropriate. | ||||||
| 10/14/2016 | Yes |
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| I have both private and federal student loans with Navient. There are two issues that need to be addressed. My credit score recently dropped XXXX points because Navient mistakenly reported I owe a {$520.00} payment! My payments to Navient are auto debited on time each month, twice a month.I immediately called Navient to inquire about the supposed missed payment of {$520.00}. They checked my account history and showed that I was current on my accounts and they had no idea where {$520.00} was coming from. I check my credit regularly with XXXX XXXX and am attaching documentation. I also called XXXX to verify that my score had dropped and they confirmed it had recently changed and they were showing that Navient was reporting a payment due of {$520.00}! I would like Navient to report to Equifax and any other credit bureaus that I do not owe a payment of {$520.00} and they mistakenly reported that payment due and tell the credit bureaus that I am and have been current and on time with my payments to them. The second issue concerns making payments to Navient where the majority has been applied by Navient to interest and a minimal amount toward the principal. I am attaching documentation of my recent payment history with Navient. I 'm specifically speaking of payments made on XXXX a payment of {$200.00} was made and only {$62.00} went to principal. Two payments made on XXXX one for {$150.00} where only {$1.00} went toward principal. The other payment ( on same day ) for {$60.00} where only {$0.00} cents went to the principal! These payments were made less than 10 days after the loan payment was due and paid. So the majority of those payments minus 7 days of interest should have gone to principal. And again, another payment for {$200.00} on XXXX/XXXX/2016 where only {$53.00} was applied to principal! This is not an ethical business practice. They are ripping me off and making it impossible for me to pay my debt down. I 'm at a 4 % interest rate on my private loans and a 6.5 % on my federal loans. I would have to be upside down with an outrageous interest rate for my payments to be applied the way they are applying them. I want Navient to scrutinize my payment history, especially the payments I have specifically pointed out here in this complaint, and fix this by going back and applying the money from my payments to the principal as it should have been done when the payment was made. Thank you! | ||||||
| 08/15/2022 | Yes |
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| There was a Navient AG Multi-State Settlement, where there was private loan debt cancellation given to individuals who had student loans with Navient. There were specific things that made borrowers eligible. According to XXXX, " The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, Sallie Mae, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. '' Some requirements listed were : -Generally, to be eligible for private loan debt relief, the borrower must have fallen behind on payments by more than seven months at some point before XX/XX/XXXX. -Generally, only loans that were within a statute of limitations period or still credit-reporting as of XX/XX/XXXX are within the scope of the debt relief. -Generally, to qualify, the borrowers mailing address on file with Navient as of XX/XX/XXXX, must be within one of the restitution-participating states listed above, Arkansas, Kansas XXXX Michigan XXXX Rhode Island, South Carolina, Vermont XXXX West Virginia, or associated with a military address postal code. I never received a notice from navient, even though I believe based on the requirements I qualify for the debt cancellation. I was deliquent on my loan payments majority of XXXX, because I had a hardship in XX/XX/XXXX and couldnt make payments for XXXX and several months following this. I had six loan accounts with Navient, and by XX/XX/XXXX XXXX of those loans defaulted, XX/XX/XXXX XXXX more defaulted and XX/XX/XXXX the last loan defaulted. That would mean by XX/XX/XXXX, I would have fell within the requirements of being more that 7 months delinquent. I was not aware of the of the pending lawsuit, but in XX/XX/XXXX I went into a settlement agreement for the first loan that went default, in XXXX I went into another settlement for the next four loans, and in XXXX in XXXX I went into a settlement for the last loan. I believe if that if I was eligible, I should be reimbursed for the money paid out during the settlement agreements, and my remaining balance should be cancelled. If any account details are needed, my account number with Navient is XXXX. If further information is needed, I can provide whatever it is. I have the loan numbers, the amounts paid in my settlements, and also the remaining balances. | ||||||
| 02/21/2017 | Yes |
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| My name is XXXX XXXX XXXX, in XXXX I consigned on a student loan for my nephew, XXXX XXXX XXXX, to attend So XXXX XXXX College. In XXXX XXXX, XXXX called the lender for a payoff quote, and was given the amount of {$5000.00}, a payment for that full amount was immediately mailed. Now, 4 years later, Naviant is claiming the check was applied to the loan as " paid ahead '' leaving an interest balance of less than {$130.00} which has now accumulated to the amount of {$370.00}. This company has recently reported a negative 4 year overdue balance to the credit bureau, and now my outstanding credit rating which was ( XXXX ) has now been reduced to the poor rating of ( XXXX ). I have never paid a bill late in my life, and consigning is something I do n't I do without great consideration and monitoring. Believing that this loan was paid off, and the fact my credit rating was n't affected until now, as well as not receiving any communication in the last 4 years regarding this matter, prevented us from rectifying the situation before it got to this point. I have made several attempts to appeal to Naviant representatives over the last two weeks, that this account was paid in full in XXXX, I have asked to speak to supervisors and their legal department, but they continue to stand their ground. I believe this company is pulling a batch and switch, by quoting one amount, then continue to add interest before applying the funds to pay off the loan, then holding the account open while the interest continues to accumulate, thereby charging additional funds for their profit. If this was n't the case, then why want they settle this matter reasonably, and notify the credit bureau and return my credit score to it original standing. Their exact reasoning is the amount of {$5000.00} was considered a payment in advance, or that the account was paid ahead, not in full. Our standing is, why would we pay {$5000.00} and leave a balance of less than {$150.00}, and make no attempts to pay off that small balance over a 4 year period. This is obviously a scam being pulled to extract additional monies from unsuspecting students, parents and consigners. I am requesting your assistance in resolving this matter expeditiously as this situation with my credit rating, as of now is preventing me from conducting business as planned. Please contact me regarding this matter @ XXXX, or email XXXXXXXXXXXX Respectfully, XXXX XXXX | ||||||
| 01/24/2017 | Yes |
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| I applied for a student loan using XXXX XXXX while attending Full Sail in XX/XX/XXXX. I was young and naive on the process and was able to obtain a loan with no cosigner at the time. XXXX was not accredited when I went and the loans were not able to be consolidated. When I graduated I struggled to find work. It was time to pay my loans and they minimum payment was over {$1000.00} for XXXX loans. Most private loans which I had no idea any would be private. I paid my federal loans fine since they were only {$99.00} a month. I was told to use my deferment option until my loan was able to be consolidated. I deferred the loan collecting tons of interest in fear it would default since I could not pay the {$1000.00} loan payments. Eventually I was able to consolidate and my loans were now {$350.00} a month. I found a job in my industry and made payments. I was laid off after 4 months due to down sizing. Out of XXXX employees XXXX were laid off. I was again unable to pay my loans. I once again had to defer my payments. My deferment ran out before I found another job. I pleaded to arrange a payment plan to allow me to pay only interest until I find work. They would not help me. My payments fell behind to almost {$2000.00} minimum payment. I found a job and pleaded with them once again to allow me to make payments on this amount. They told me I would continue to build interest to ask a family member or get a loan for the amount I need to get caught up again. I was unable to do either. For years now I 've been begging and pleading with XXXX XXXX and now Navient to get me back on track so I can pay my loan. They are demanding {$34000.00} minimum payment in order for me to get back in good standings and make monthly payments on the principle. I am unable to purchase a home or make any large purchases because of this. I make enough money to pay my loans but they refuse to give me any options for repayment. I want to say I have paid my federal loan payments with no issues. When I went through my hard ship I was protected and was able to get back on track and have been in good standings for years now. I also want to say that XXXX is now accredited and even though I felt like I was deceived when I first starting going to school there, I am happy with my current position that was the outcome of my schooling. All I ask is to get back on good standings so I can finally make my payments and fix my credit. | ||||||
| 08/08/2016 | Yes |
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| Original loan was through XXXX XXXX, when it came time to repay my loan, my loans were then the property of Navient. They wanted me to pay {$1000.00} a month for my student loans and I did not have the income, they explained to me that I could pay deferments of {$150.00} for every 3 months to keep them in good standing. I did this, but of course I ran out of deferments and my loan amount went back up, I tried to set up an income bases or payment plan with them and they would not give me any amount less than {$800.00}. I tried to I did not have the money as I was just graduating from school and not landed a full time yet. my income was unpredictable. I asked for relief after paying something towards it, but they said since my account was in good standing there was no program that I could qualify for. So I had to let them go bad, by this time they were willing to work with me or so I thought, no they wanted XXXX dollars, again stressing to the and filing out monthly financial reports, they then begin to say you do n't have enough surplus income to pay these so we ca n't prove that you can pay them, therefore you do n't qualify for a relief program. I was so disgusted. Again, I had to let them go bad. Then, finally in XXXX I spoke with a nice lady who told me I had now been able to qualify for a 15 month, lower interest rate program, where I could pay {$260.00} a month for all of my private loans, and that they would lower the rate to 3 %. I had to set up automatic payments for the entire program, but could not be promised that after the 15 months, they would skyrocket again. I decided to take their word in hopes of raising my effected XXXX credit score due to these loans, and pay them so they would be in good standing. Well I received a call on XXXX XXXX stating that XXXX of the loans would not qualify for the repayment plan and they needed an additional XXXX dollars to satisfy the loan. " Wait, what? '' I said to myself, this can not be true, the whole reason I signed up for this program was to state repaying this loan, after Navient continued to attack my credit score and offer me absolutely NO RELIEF, I finally qualify for a program and they renege on our agreement! I am considering bankruptcy because I do not see an end in sight. I am XXXX years old with XXXX in private loans, and if they continue to treat me like a rag doll my credit score will be XXXX : ( I do n't know what to do! | ||||||
| 03/29/2018 | Yes |
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| Dear Sir or Madam ; This is a letter that I am writing to several parties as a means to bring clarity to my situation as well as dispute and resolve this. I have been making attempts since XXXX when this matter was first brought to my attention. I am erroneously being held responsible for student loans with Higher Education that I never initiated. When I went to XXXX XXXX XXXX in New York in XXXX I signed for student loans with XXXX XXXX. I started repayment approximately XXXX after graduation and fulltime employment with XXXX. I made monthly electronic payments of {$500.00} to approximately XXXX. I received a letter of satisfaction. I have settled this debt in full. Electronic payments were made through XXXX. When I contacted them to request proof of payments, they advised me that they are unable to investigate anything beyond 10 years. During a move from XXXX XXXX in XXXX, New York to XXXX XXXX, New York the bag with papers and other personal effects were lost. In this bag contained the pertinent letter ( amongst many other important items ) necessary to provide to show this debt has been paid. When I contacted XXXX XXXX directly ( customer service representative XXXX, employee number XXXX ) advised they do not have any records whatsoever for me. I was then referred to Naviant and spoke with XXXX. Naviant researched their records/files, including their archives. The only documentation they have is for a loan disbursed in XXXX that has been paid ( loan number XXXX ). I was referred to Naviant because all XXXX XXXX records were forwarded to them. Which brings me to the most perplexing matter ; If my loans were with XXXX XXXX, paid off with XXXX XXXX in XXXX, and all records transferred to Naviant and they have no record of an outstanding debt then how did Higher Education, XXXX XXXX, and XXXX XXXX become a matter of concern? I asked for validation and verification. I was sent a typed document with mark XXXX integrity token in the signature line. I was not sent my original documents as stated is required. How is it possible for me to be responsible for these monies? This is unfair and simply criminal. This debt is not mine. Please, please help me. My entire life is a stand still for matters that are not mine. This should be removed from my credit report and my name cleared. Please reach out to me with any questions. This is not my loan and other wise has yet to be shown. | ||||||
| 01/19/2017 | Yes |
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| I have XXXX federal loans that Navient sold off to the XXXX out right over 1.5 years ago and they still report to creditors monthly that I have defaulted on these loans. I attempted to get this resolved several times with Navient but they just say that I need to pay more on my other private loans if I do not wanting them to report the information. I explain to the person on the phone that each loan is reported sperately and the reason I do not pay them for these loan is that they are no longer serviced by Navient but they inevitably transferring me around to a supervisor which says they are it is an automated system and I will need to fax them the information or they can not do anything about it. when I send the fax I receive a conformation page but they say it went to a different branch or the fax went to another floor, so they do n't have access to the information. Once the manager said they would call me back once they file was uploaded to my account but they never called back. So I assume it still has yet to be added to my account. I believe this inappropriate and in correct reporting by Navient is being done intentionally and has caused significant false financial and credit damage to me and my Father ( co-signer ). This past year I missed a lot of scholarship deadlines because they are falsely reporting that I am delinquent. Costing me thousands in possible financial Aid, grants and scholarships. In addition to the fact that they have illegally monthly report that I am not paying on these federal loans and that I am in Default, which has brought my credit report significantly down for the part year and a half. I have spoken numerous times With XXXX and they say there is nothing they can do about it except report accurately that I have a payment plan in place and I am activly paying on the loans. I have reached out to my school as well as XXXX of the XXXX credit reporting agency 's they can not do much either except tell me that it is illegal and advise me to keep working on it. I feel very frustrated with Navient and they 're illegal practices that no one seems to be holding them accountable for. It is targeting me at best and at worst having a incorrect reporting system in place, that they have known about, and destroying countless others financial future for personal gain at worst. Please help advise me about what else I can do. ( I do have documentation to support my claim ) | ||||||
| 08/24/2016 | Yes |
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| In XX/XX/XXXX I entered a repayment plan with Pioneer Credit Recovery , Inc. who told me they were acting on behalf of the Missouri Department of Higher Education. The terms were to automatically withdraw {$65.00} per month from my checking account for 12 months, then I was told the loan would be in good standing and could be available for a lower interest rate. I made all twelve payments, then apparently my loan was transferred to XXXX. With the holidays I did n't realize that they stop deducting the payments so I reached out to Pioneer - all they would tell me is that XXXX was my new servicer and I should contact them. When I contacted XXXX they stated my loan was back in default status and that they had been trying to contact me, although I had received no mail or voice messages. Although I was extremely frustrated I agreed to start the entire process over with XXXX, however this time they were asking me to make a monthly payment of $ XXXX+ per month. I was working part time and had no way to pay that amount so they had me fill out all this paperwork. We submitted the paper work they requested, but we did n't hear back from them. We began calling every week - next thing we knew our tax return income had been confiscated by them without our knowledge or permission. We finally got someone to speak with and they only suggested that we file innocent spouse documentation - but what was really amazing is that they loan was still considered to be in default even though they just applied {$1800.00}. to the balance. I filed a formal compliant with Missouri Department of Higher Education on XX/XX/XXXX and had no response. Now my loan has been transferred to XXXX XXXX XXXX with an additional {$660.00} in Collection Cost/Charges and {$100.00}. of interest. I keep trying to resolve this matter, but only end up running in circles!! I have offered to pay {$150.00} twice a month, but XXXX states I will yet again have to complete a load of paperwork before they can tell me IF they will accept this money, all the while my loan continues to accrue more interest and fees. This is absurd and should be against the law. I want to know what the CFPB will do for me? What other information do you need from me to help me resolve this issue? I have never intended to not pay, but now they wo n't accept what I can pay and continue to charge me additional fees, making the total out of my reach. Please help me!! | ||||||
| 08/24/2023 | Yes |
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| Dear CPFB : I submitted a complaint to your office about Navient. The ID # is XXXX. Navient replied, but they did NOT answer my direct and explicit question that asked " how many months was I in Forbearance status since loan inception? '' Instead, Navient replied that I was enrolled in their Income Based Repayment status with their records reflecting " that you have made 48 qualifying payments towards Income Based Repayment ( IBR ) loan forgiveness to date. '' I asked them " what time is it? '' They responded with " 82 degrees and sunny. '' So, I called to ask this un-anwered question, and was told that I was in Forbearance status for 30 months since loan inception. I formally ask Navient to convert these 30 months of Forbearance status to that of IBR, and to make any retroactive adjustments of accrued interest related to this conversion. Why? Because I spoke to Navient about repayment options throughout the years. During these calls, I was pushed, pointed, promoted and steered countless times toward Forbearance rather than Income Based Repayment. Why? Because, simply put, Forbearance is very much to Navient 's advantage, while Income Based Repayment- in stark contrast is to the consumer 's ( mine ), since IBR allows for a consumer to have their loan forgiven 20 years after enrolling in such a program if they keep up with minimum payments ( even if those payments are {$0.00}. ) Hence, Navient defaulted to promoting THEIR self-interest in the form of Forbearance without disclosing all options in full to me, the borrower. In fact, I was told by a supervisory rep of Navient on the phone on XX/XX/2023 that " Navient policy is to advise of IBR prior to offering Forbearance ; Forbearance is the last option, but some reps have not always advised the borrower of this. '' Their policy was conveniently self-serving, and I suffer as a result. My student loan has ballooned to unmanageable levels that effectively drown my future financial wellbeing. At its origin, the principal amount was around {$62000.00}, and I have made payments over the years totaling {$35000.00}. My present amount owed? {$100000.00} Again, I ask that Navient convert my 30 months of Forbearance to that of IDR, and to make any retroactive adjustments of accrued interest related to this conversion. This request is based on their purposeful obfuscation of borrower options that is at best unethical and at worst illegal. | ||||||
| 07/23/2017 | Yes |
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| I have private loans with Navient. One of my loans has a co-signer, the total balance is {$37000.00}. On XX/XX/XXXX I applied to release my cosigner as I have made 12 consecutive on time payments based on principal and interest ( which is stated on the website in order to apply for release ). Originally they denied the request as my account history shows 3 late fees, which was a mistake on the billing department since I have been on autopay for over a year. On XX/XX/XXXX I was charged the first late fee of {$8.00}, the second late fee was charged on XX/XX/XXXX for {$3.00}. These two late fees were reversed on XX/XX/XXXX and {$12.00} was credited to my account. My account was never late but for some reason there system shows my account associated with late fees. I had several phone conversations with the cosigner release department to explain this and there was nothing they could do to my account and kept shuffling me around to other departments. The second refusal to deny my cosigner release, was due to the fact that they reduced my interest rate to 1 %. When I had called back in XX/XX/XXXX, I had several phone conversations that were recorded by Navient, explaining the rate reduction program and that after making 12 consecutive payments I could have my cosigner released. I spoke with XXXX, the supervisor, in the cosigner release department and showed her my account history which shows I have been making 12 consecutive on time, principal and interest payments. I was never explained to on the phone by reducing my rate that this would effect the cosigner release. XXXX then said she would research and listen to the recorded calls. It took her a few weeks in XXXX and when she got back to me said they could not find the calls. She asked me to email her and she would push it through. on XX/XX/XXXX, I sent an email stating what had happened. I then received a letter in XXXX for the denial, based on not making 12 consecutive on time principal and interest payments on the original interest and a forbearance on another account I have. Neither was explained to us at the time on the recorded calls, which they say they can not find, although they have record of our calls. I have spoken to Navient several times since and they still say they are researching and continue to shuffle my case through the system with no resolution regarding the late fees noted on the account and release of my cosigner. | ||||||
| 04/27/2017 | Yes |
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| I have been receiving repeat calls, including early calls for the las t two m onths. In XXXX when I graduated school, I spoke with a Navient representative who told me that I would have a grace period of six months before my payments kicked back in. I was making smaller payments of {$200.00} while still in school. Last month, in XXXX , I checked my account and they were asking for {$860.00} per month. I called Navient and I spoke with a Navient representative who told me that I did not have a grace period. I informed him that I am currently not working full-time and making these monthly payments were hard for me right now. I told him I would pay what I could towards the month payment and I am still making those payments, just not in the full amounts. They told me that they would not stop calling me or my co-signer until the full payment was made. When I asked for repayment options or how they could help me, the representative said that there was nothing I could do about these loans because they were private and the only way to get out of paying them would be to submit proof that I am not working and that my co-signer is not working. This is not an option as my co-signer is my father and he does work full-time but this does not mean he will pay my loans. I am an independent and wish to pay these on my own, it it just that the current plan does not work for me. They are asking for {$870.00} per month when I make an income of barely {$600.00} a month. I asked the representative if they could stop calling excessively as it 's interrupting my day to day activities. Yesterday, they called me repeatedly a total of 13 times. Here is a history of these calls including the times and phone numbers. Wednesday, XXXX XXXX -- 13 M issed Calls XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX : Unknown XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX : XXXX ( XXXX XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX : XXXX ( XXXX XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX : XXXX ( XXXX ) XXXX | ||||||
| 02/07/2017 | Yes |
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| Around XXXX of XXXX I contacted my loan servicer, Navient, to ask about the public student loan forgiveness program. I had just started my job with a government public service agency and wanted to make sure my loan payments would start counting toward that program. The representative I spoke to said I did n't have to do anything initially and that I would apply for the forgiveness as I got closer to my XXXX consecutive payments. Around XXXX or XXXX of XXXX I called Navient to set up a forebearance as I would be on unpaid XXXX leave for a few months and wanted to lessen my financial burden. At that time I decided to check in on the information that I received in XXXX. I was told that, in fact, I needed to be signed up to an income driven repayment plan to have my payments count and that all of the months I had paid since had not and will not count toward my forgiveness. I was then told that my calculated loan payment would be over {$600.00} a month to be on a IDR. I could n't possibly afford to do this so I decided to forego that option. Months later I spoke with another rep who said my payment would only be {$210.00} a month. More conversations occurred between myself and Navient always with different answers. I was told to contact the ombudsman, they advised I speak with an " advocate '' at Navient first. I made a request to the Advocate 's office to speak with someone, my request being to have my payments since XXXX counted toward my forgiveness time. I was only left XXXX message and then the never returned my calls. They then sent me a thick package 2 weeks later with a letter stating all of the reasons I failed to act adequately and never addressed a single XXXX of my points or concerns of how Navient failed to provide me with accurate information so that I might make a good decision on my loan payments. The advocate made a decision against me without ever speaking with me. I was told the ombudsman could n't make Navient do anything and I basically lost out on 2 plus years that I could have been working toward my goal of loan forgiveness. This comes out to thousands more dollars in interest I will have to pay in the lifetime of my loan than I would have had the original representative I spoke with on XXXX had given me accurate information. I have read that you have filed a class action lawsuit against Navient for misleading it 's customers. I feel that I am XXXX of those people. | ||||||
| 07/30/2019 | Yes |
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| To Whom It May Concern, I am writing in regards to filing a complaint against the Loan Servicer, Navient ( formerly, Sallie Mae ) for with-holding information regarding the all necessary payment options ( PSLF ) allotted to me from XX/XX/XXXX year XX/XX/XXXX. Please note that all evidence is identified with a letter and will be prompted to view within parentheses following the necessary statements. All of my XXXX loans are through Navient/Sallie Mae. My timeline of payments is as follows : ( not all records of payments have been made available for evidence ) XX/XX/XXXX -- -- -- -Payments Made ( A ) XX/XX/XXXX -- -- -- -Payments Made ( B ) XX/XX/XXXX-- -- -- -No Payments Made XX/XX/XXXX-- -- -- -No Payments Made XX/XX/XXXX -- -- -- -Payment Made ( C ) XX/XX/XXXX -- -- -- -No Payments Made XX/XX/XXXX-- -- -- - Payments Made ( E ) XX/XX/XXXX -- -- -- -Payments Made ( D ) ( F ) XX/XX/XXXX -- -- -- -Payments Made ( G ) XX/XX/XXXX-- -- -- -Payments Made ( H ) XX/XX/XXXX -- -- -- - Payments Made ( I ) XX/XX/XXXX -- -- -- -Payments Made ( J ) XX/XX/XXXX -- -- -- -Payments Made ( K ) On XX/XX/XXXX, I made a phone call to Navient/Sallie Mae asking for help regarding my payments ( N ) . As noted in the evidence provided, it was only after I had exhausted all of their given payment options that they offered the PSLF Program by providing me with the government website to explore the program. During this phone call, Navient/Sallie Mae informed me that I had 290 days from my last payment due date before my account would become delinquent ; unto which I was already four days into my delinquent countdown. Further evidence demonstrates that Navient/Sallie Mae with-held viable payment options as the document states that I have, already reached the maximum amount of time allowed for forbearance ( *O ). In addition, this document clearly shows that Navient was not willing to help as they told me to continue to make your payments as scheduled ( *O ), then led me in circles by only providing me options that I had already exhausted or were already participating in ( P ). Unfortunately, as the above timeline proves, if Navient/Sallie Mae had provided me with the option to utilize a federal government program ( PSLF ) designed to help public service providers, such as myself ; I may have already had my XXXX loans forgiven. Instead, as the above evidence states, I am in the first years of the program | ||||||
| 10/17/2017 | Yes |
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| I needed to reschedule the date of my payment to correspond with my payday on XX/XX/XXXX so I would have the proper funds in my bank account, to do this I needed to cancel my auto pay and re-setup the payment with the new date. I requested the auto pay cancellation on XX/XX/XXXX and received a confirmation email of the request. I logged onto the website and it showed no pending payments so I was under the impression that auto pay stop had processed. Navient then proceeded the withdraw the full payment on XX/XX/XXXX, the original date of the auto pay that should have been cancelled. I have three different types of loans with Navient so the billing is processed in three payments, each payment overdrafted my bank account and incurred a {$35.00} fee. I informed Navient of the error and was advised that the auto pay cancellation was submitted properly and was an error that the payment went through. I was asked to submit documents to confirm the fees, which I faxed to Navient on XX/XX/XXXX. When I did n't get the callback that I was promised when the review of the documents was complete, I contacted Navient again on XX/XX/XXXX and was advised that all the required documents were received but we 're never reviewed. A supervisor reviewed my account and the documents with me and confirmed their error and that they would be reimbursing me for the total {$100.00} in overdraft fees. The supervisor advised he was processing the payment and the funds would be deposited into my account in 6-10 business days. When I did n't receive the refund, I contacted Navient again on XX/XX/XXXX and was advised by another supervisor that Navient 's finance department denied the refund because there was no error on there end causing the overdraft. I explained the prior supervisor conversation to which the supervisor simply stated the prior supervisor was incorrect and did n't have the authority to approve the refund. When I explained they are estopped from denying a payment that they already approved and advised they were issuing, the supervisor stated they would resubmit the request for review to the finance department but that I should n't expect the refund to be approved, and I could follow up in 7-10 business days to find out if it had been denied again. Whether I am being lied to or just given false information, this is incredibly unprofessional and unethical and I seem to be getting no where with Navient. | ||||||
| 11/13/2018 | Yes |
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Web | Older American |
| Navient 's retaliatory actions in response to complaint number : XXXX will cause my wife and I unnecessary financial hardship and stress beginning XX/XX/XXXX. In the complaint, I alluded to what I felt was unethical practices with regards to how Navient was managing my student loans and stated their practices were consistent with the law suit filed against them on the behalf of CFPB in XXXX. It appeared there was little consistency in how the monthly payment monies were distributed between interest and principle. I called them on XX/XX/XXXX after getting their response via the CFPB website and asked for further explanation because I needed more clarification than what was explained in their response. They immediately went from explanation of my student loans distribution to pressuring me into a {$1300.00} monthly payment revision I couldn't afford. I declined and stated I could not afford a revision at this time. They continued to persist in me agreeing to 1 of 3 plans with {$1300.00} being the cheapest of the options. I requested they leave the {$450.00} monthly payments in place -- however unfavorable the current payment plan was until I start drawing my Social Security monies next year and at which time I would be better prepared financially the handle a bigger repayment. I was told they couldn't " change it back '' to the current payment agreement of {$450.00}, but I never changed the current agreement to begin with! I was merely asking for explanation of payment distribution. After arguing with them for 10 minutes and again explaining to them these were the same type of unethical practices the government sued them for, they terminated the phone call and sent me a new payment plan on XX/XX/XXXX totaling XXXX. The {$450.00} monthly payment constituting 1/6th of my monthly net income fit well within my budget. A {$940.00} increase results in a monthly payment of {$1300.00}, this is 1/3rd of my monthly income and will undoubtedly cause financial hardships. At XXXX years of age and facing employment uncertainties, I can ill afford to have this stress affecting my life. Where was the offer for an income-driven repayment plan, why wasn't there a mutually-agreed upon and documented repayment plan? Why not just leave everything in it's current state until I can make better accommodations next year? It should be noted that I never sought to revise the payment plan at this time. | ||||||
| 01/05/2021 | Yes |
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| I noticed that there are still four ( 4 ) private student loans that Navient is reporting to all 3 major credit reporting agencies : XXXX, XXXX and XXXX and is appearing on my credit report. I do not believe the information is being reported accurately, is not complete information and is not verifiable. I disputed all four private student loan accounts with all 3 of the credit reporting agencies several times, and they said the information has been verified and/or updated by Navient. The date opened, date closed, date of last activity, date of last payment, high balance, monthly payment history status, etc. are appearing different on each credit reporting agencys report and some of that information is not appearing at all. These inaccurate unverified accounts and information that is being reporting by Navient has also caused me to be denied credit, is negatively impacting my creditworthiness and my credit score. I called Navient 's number listed on my credit reports ( XXXX XXXX XXXX in the afternoon of XX/XX/XXXX to verbally dispute the accuracy and completeness of the account information being reported and spoke with 2 people in 2 departments. Neither of the people I spoke with were able to locate any information about the private student loan accounts that are appearing on my credit reports. They said they can not see any record of any private student loans in my name. I provided them with all identifying information requested to try and locate these accounts. The found a profile for me as an individual, but no visibility of any private student loan accounts associated with my identity. I sent a certified mail letter ( attached ) similarly worded to above that was confirmed to be delivered to Navient on XX/XX/XXXX ( USPS delivery confirmation attached ). Navient did not respond or acknowledge my dispute with them in any way, nor did they inform mark the disputed accounts as disputed on any of my 3 credit reports. Since Navient has exceeded their required response time of 30 days AND did not indicate the dispute status on my credit reports, I believe they are out of compliance with their obligations as a furnisher of information per the Fair Credit Reporting Act and likely are violating my rights as a consumer. Navient can not legally report accounts to a credit reporting agency if none of their employees can locate any information about the accounts existence to verify. | ||||||
| 01/14/2019 | Yes |
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| I attended university from XXXX to XXXX, this loan was obtained in between my years of attendance to pay for tuition. I began paying this loan immediately after school as it was a {$10000.00} loan and I wanted to tackle the balance right away and feel accomplished about it. I am not even sure how to express the frustration and disgust of what happened from XXXX to present but the loan was transferred to 4 or 5 different lenders without any notification to me. I would sometimes receive a statement or letter in the mail from the new company and i would try to call the previous company that held the loan and they for the most part could not help me because they had nothing to do with the loan anymore. I got so overwhelmed and frustrated trying to track the loan and understand what or why that was happening. The next thing i noticed was the increase in the balance and the interest changing each time it was passed around. Even though i was making payments my loan all of sudden was increasing in balance. I argued with the lenders and asked for explanations and never received answers. The suggested deferrment and forbearance and suggested it was a good way to stop paying for awhile. i have had multiple deferrments and forbearances and then i noticed after that happened the balance kept increasing. i tried to make payment plans with the lender and then low and behold the loan was moved again. I have never felt so deceived and angry about something that is so personal to me. I worked my XXXX off in school and my parents could not afford the tuition entirely so i required loans. This loan was suggested by the school and it happened so easy i was delighted. And they make you think once you are done school you make low monthly payments and easy peasy it will be gone in no time. That would be manageable but that is not what has happened. i was deceived and the loan was tossed around and my life in the process. I have no issue paying the original balance of the loan which was $ XXXX less any payments i made from XXXX to present. that is what is fair and that is all i would be able to handle. I would not have gone to school if i had to take out a $ XXXX loan because i cant afford that. This is criminal what they have done and i have been beggin for loan forgiveness and help for the actions they have taken. Please contact me as i would really appreciate someone to finally reach out and help me. | ||||||
| 09/13/2016 | Yes |
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| I have been enrolled with automatic monthly payments with Navient for more than a year, but I began paying extra money towards the principle of my loan beginning XX/XX/2016. When I submitted the payments online I was given the option of either applying the extra payments towards the principle of the loan vs having the next monthly payment due date advanced. I successfully made an extra payment for XX/XX/XXXX-XX/XX/2016 using the online system. When I attempted to make an extra payment XX/XX/2016 the website was no longer providing the option of applying the extra amount to principle vs advancing the monthly due date. I went ahead and submitted the payment thinking it would of course go to the principle. The next business day I received an email that the loan company had instead advanced the due date of my next payment. I called them twice XX/XX/XXXX- once to have the payment adjusted and let them know that there was an issue with their website ; another time to let them know that they still had n't repaired the website. They assured me that they would get the info to their IT staff and the problem would be corrected immediately. I again attempted to make an extra payment earlier this week. Again the website was not giving an option as to how the payment should be applied. I called the company as I was trying to make the payment. They said that it may have been difficulties with their new website, so they directed me to a link to their old web address. The option still was not available, though they assured me that it would be applied to principle. While my online account is showing that the payment did post to the principle I still received an email that told me that the next due date had been advanced a month. I had to call again to ensure that they were not advancing the due date, which it appears that it was going to do just that. The representative advised me that the website should allow me to apply the extra payment to principle vs advance the due date. I once again told the representative that the website is no longer giving the option. I advised her that I have spoken with Navient on several occasions in the past month to get this situation remedied. She advised that she will send another message to the IT team. I advised her that I will be reporting Navient to the CFPB as this is becoming rediculous how many times I have had to call them with no remedy to the situation. | ||||||
| 12/28/2018 | Yes |
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| I consolidated my loans with Navient. I tried to enter into a IRP. I filled out the application process several times and each time it was denied or did not go through. My Navient advisor was not helpful, couldn't explain why and would just send me emails stating I should reply yes to get it deferred. There was no explanation of fees or charges and I lost my job while trying to get my loan IRP in order. Navient said deferment was my best option. I was out of work for 5 years and this year went back to work. I was contacted by XXXX a credit recovery service who said my balance from Navient is XXXX and I now in default and owe the total XXXX. My original loan had now ballooned to double the amount owed and the loans through Navient are in default. My other loans through XXXX are in good order. I have tried to get an explanation, log on to my Navient account and am unable to do so. I was fraudulently charged double my loan with no notification or explanation. Original loan is XXXX, XXXX with a 6.8 % interest rate that is an additional XXXX. Navient has charged me an additional {$52000.00} which is more than my original loan amount!!!!!!!!!!!!!!!!!!!! 1.XXXX university original Balance {$8500.00} - with fees from Navient {$14000.00}. XX/XX/XXXX {$4200.00} DF DEFAULTED, UNRESOLVED XX/XX/XXXX XX/XX/XXXX {$4200.00} 2. Orginal loan {$30000.00} with fees from Navient {$53.00}, XXXX XX/XX/XXXX {$30000.00} DF DEFAULTED, UNRESOLVED XX/XX/XXXX 3. Original loan {$12000.00} with fees from Navient {$25000.00} XX/XX/XXXX {$12000.00} DF DEFAULTED, UNRESOLVED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX DA DEFERRED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX DA DEFERRED XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX DA DEFERRED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX DA DEFERRED XX/XX/XXXX BK BANKRUPTCY CLAIM, ACTIVE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX DA DEFERRED XX/XX/XXXX | ||||||
| 07/24/2017 | Yes |
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| I was denied loan forgiveness due to a loan not paid off prior to XXXXXX/XX/XXXXwhen receiving new loans in XXXX,XX/XX/XXXX. I was a student still going to school in XXXX and XXXX how could I pay the loan off, I was still getting loans. This is a government policy and I understand that. XXXX XXXX customer service told me to pay off the XXXX and XX/XX/XXXXloans and they would be removed from my account - then, apply for student loan forgiveness again. So they put my loans on forbearance for me to do this. When I applied for loan forgiveness again, I was denied again. I was told what XXXX XXXX told me was not accurate. Just at that time, my loans were transferred to Navient. I have had nothing but bad customer service from Navient. I was also told I could go income based, this made my payment higher!! Then I was told I could do the loan forgiveness which is a 10 year loan payment. I would be able to get a direct loan and pick my loan term, but after ten years it would be forgiven. I called to have that done with the government and was told I could NOT pick my loan term and/or payment. I was also told by Navient specifically told me I could pick the term so my payment would be lower and it would be forgiven after 10 years. I am XXXX years old and will be retired in 10 years. The navient customer service told me it would be easier and cheaper for me to keep it as it is .... I would be able to pay it off. NO ONE HAS HELPED ME EVER WITH THIS STUDENT LOAN PROCESS!!!!! I have been given information that is not true or that did not apply to me. In XX/XX/XXXX, I paid my bill, it came out of my bank account twice. I was told by Navient I had to go to the bank and cancel that 2nd payment coming out, this cost me a fee at my bank. The next month when I tried to make a payment, the bank account information is not good, they can not - in their system, remove the stop payment. I was told I had to go to the bank and have my bank send a letter to their fraud department. However, the customer service representative kept telling me she could take my payment over the phone. I thought my bank account was n't good? When transferred to a supervisor, he still could not help me ; however, he did take my payment over the phone??? with my debit card linked to the account???? and it did go through ... ..My bank has no idea what they want and informed me they can not send a letter with my information on it. | ||||||
| 06/09/2017 | Yes |
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Web | Servicemember |
| Navient took over my student loan in early XXXX ( late XXXX ). When they called, they asked that I make a payment at that time. I explained that I was making payments for my school, my daughter 's, and paying on my husband 's tuition. I was granted a deferment for a period of several months. During the process, I kept the representative on the phone for over an hour, asking many questions and verifying that I would not be taken advantage of by this company again. I was even told that the conversation was recorded. I had previously had a bad experience with Navient 's partner and predecessor, XXXX XXXX , who stole several thousand dollars from me, doubled my debt, and sold my account after I proved the theft by providing 20 consecutive checks ( they only asked for 10, but I had several more ). Well before the deferment was up, Navient again contacted me asking for money. When I asked about the deferment, I was told that I only had a 10 day forbearance. I spoke to " managers '' and other departments who stated that they ONLY give 10 day forbearances. When I argued that they were lying to me and demanded that they play back the recording, I was placed on hold for over half an hour, only for a " manager '' to return and state that they decided NOT to listen to the recording and that I just needed to pay the extensive late fees. I KNOW they played back the recording and are refusing to admit guilt. At the time fees were over {$200.00}, now they are over {$400.00}. Since then, I have spoken with dozens of managers and contacted the Ombudsman, my congressman, and my governor 's office. All of which have contacted Navient. Navient 's only response has been that they will defer the payments, but they still want the now nearly {$500.00} in late fees. I have not paid them anything because of the late fees and have stated many times on the record that I will pay once they remove the erroneous fees that they charged me. They are clearly refusing to correct the problem by running up the debt with fees, so they can say that I never paid, but paying an erroneous debt is an admission of guilt and will allow them to legally keep the overpayment. This feels like another attempt by the same company to steal money from me. They DELIBERATELY deceived me into believing that I had a deferment, only to charge late fees on the account and are now refusing to correct the issue again. | ||||||
| 01/27/2022 | Yes |
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| This is the letter I wrote to Navient on XXXX XXXX XXXX. Below is my detailed Student Loan Information. I have also enclosed a pay-out history showing the payments that have been made to date, including CAPTIALIZED INTEREST and LATE FEES. I do not understand how I can be charged INTEREST in ADVANCE. The first loan was paid in full prior to the original due date, however, based on this CAPITALIZED INTEREST I was charged for interest on this loan for the entire duration of the loan even though I paid it off early. I would like detailed explanations for the following charges : 1. I would like an explanation and justification for the charges of Capitalized Interest. The TOTAL in CAPITALIZED INTEREST since XXXX is {$10000.00}. This is in addition to the monthly interest I have been paying. 2. The TOTAL in LATE FEES since XXXX ( which was a result of the XXXX foreclosure crisis when my husband lost his business ) is {$210.00}. 3. I would like an explanation of the an AdjustmenXXXX of {$1700.00} made on XX/XX/XXXX. 4. I would like an explanation of the fees charged on the following payments : Payment of {$250.00} on XX/XX/XXXX - {$210.00} fee Payment of {$240.00} on XX/XX/XXXX - {$22.00} fee Payment of {$380.00} on XX/XX/XXXX - {$11.00} fee Payment of {$190.00} on XX/XX/XXXX - {$11.00} fee 5. I would like an explanation as to why NOTHING was applied to my Principal Balance for payments on the following dates and ALL was applied to interest : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX All payments that were made on the XXXX of the month for the entire year of XXXX All payments that were made for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX In summary I have calculated the following : INTEREST PAYMENTS TO DATE : {$15000.00} CAPITALIZED INTEREST TO DATE : {$10000.00} XXXX. FEES {$260.00} LATE FEES {$210.00} UNEXPLAINED ADJUSTMENT {$1700.00} {$28000.00} It seems criminal to me to be charged {$28000.00} in interest and fees on a loan of {$48000.00}. I DEMAND AN EXPLANATION. I am wanting to pay the other 2 loans off within the next 30 days. I would appreciate an adjustment of the CAPITALIZED INTEREST as well as all the other interest and fees paid to date on these. You can calculate a PAID IN FULL date of XX/XX/XXXX. It appears to me that YOU owe money to ME. Please be advised I will take this to the highest authorities possible in order to have this type of criminal activity exposed. | ||||||
| 03/31/2021 | Yes |
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| I have repeatedly asked Navient for validation of this debt. I have never acknowledged the debt as being mine and neither has Navient. Letters were sent out XX/XX/XXXX. It was received by Navient on XX/XX/XXXX. No response from Navient. The next letter was sent XX/XX/XXXX. Letter was received by Navient on XX/XX/XXXX. No response. Next letter was sent XX/XX/XXXX. Letter was received XX/XX/XXXX. No response. In the letters that they have receipt of, I also asked them to cease and desist any communication ( including phone calls or electronic ( email, text, social media ). I did permit communication via US postal mail. They have blatantly refused validation and have ignored my request to cease and desist any form of communication except for US postal mail and have called me 121 times since XX/XX/XXXX. Sometimes 6 or 7 times in one day. On XX/XX/XXXX, I have mailed them an Affidavit of Truth, asking a final time to validate that this debt is mine by sending me the original contracts with my wet ink signature between myself and Navient. They still continue to call me throughout the days and just Monday, XX/XX/XXXX threatened me with XX/XX/XXXX is my " last chance '' to respond. However, I have been responding since XX/XX/XXXX. In the packet, that I sent XX/XX/XXXX, I have listed every violation as it relates to Navient continued harassment, non-validation of this account, inaccurate reporting to credit bureaus that is harming the reputation of my natural person. They have reported this account to the credit bureaus 4 times saying that the payment is late. They sent me a letter on XX/XX/XXXX saying that they conducted an investigation with the credit bureaus saying that the information they are reporting is accurate. What was included in the investigation? Who conducted it? Why don't I have any information from them as I requested in my letters I sent to them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is what I was requesting that they mail/send to me. Instead, they are reporting me as delinquent without showing me proof of anything. I also have strong reason to believe identity theft has occurred as I believe transactions have occurred using a credit card in my name by someone affiliated with Navient and now they have turned around and reported negative remarks on my consumer credit file fraudulently. The entire packet that was mailed to Navient on XX/XX/XXXX is attached. | ||||||
| 01/05/2018 | Yes |
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| I 've had federal student loans in repayment since my graduation in XXXX. I paid off all but two of my loans that were being serviced by Navient without missing a SINGLE payment as of XXXX. I received an email from Navient on XXXX/XXXX/XXXX stating that my last two loans would switch over from the previous company ( XXXX ) to Navient. At this time, I was paid ahead on these loans with NO payment due for at least 18 months. After receiving the first email, I received a second email on XXXX/XXXX/XXXX stating again that Navient was taking over and quote : " Expect a brief pause in service. It may take a few days to complete the transition. During this time, your account information will not be available. Any payments you make to XXXX during this time will post to your Navient account once the move is complete. What happens next? Watch your mailbox. Once your loans are on our system, Navient will become your new student loan servicer. To let you know when it 's official, we 'll send you a welcome letter including your new account number and our contact information. '' I received nothing additional in my " mailbox '' as I was receiving all paper statements from XXXX. On XXXX/XXXX/XXXX I received the third and final email from Navient stating, " XXXX, now that your loans are with us, make the next move ... to XXXX. '' with a link to click ; AND THAT WAS IT. Never once did I received a phone call, any additional information in email, or by postal mail. There was no account information, no phone numbers, no emails to contact Navient, nothing. That is until XXXX, XXXX when I received a paper statement ( or bill ) in the postal mail that showed Navient had added an additional $ 2,000+ to my account balance with no explanation as to why. I have spent hours on the phone with Navient, calling their off shore and on shore call centers as well as their corporate office in Delaware and have not gotten ANY, real tangible documentation as to how they added over two thousand dollars to my account balance, just poof, its there and now you owe it. There is no documentation of interest rates, fees, balances, nothing ; not even on their website. I need help as this company is literally scamming people out of money. There are times when I call the call center and I literally have to opt out of TV, Internet and road side assistance programs BEFORE I can speak with someone! Total Scam this company is! | ||||||
| 04/23/2019 | Yes |
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| Good afternoon, I have had several issues with Navient last year in XXXX. It was a difficult year for me financially and tried numerous times to reduce my payment on my IDR plan. Several times I spoke to a representative they told me I had to fill out the repayment plan yearly paperwork and send in my W9 's or income verification. I told them I had reached out to the companies I had worked for multiple times and I never received any documentation proving what I made while employed. The whole year I was in a financial hardship and was out of work for more than 6 months ( no work, no income ). I had to take out my 401 ( k ) and all of the money out of my investment account just to survive. I expressed this multiple times via email as well as over the phone with a customer service rep., there scripted answer was to send in XXXX 's tax return but that year I made over {$50000.00} hence the reason in my IDR plan I was paying {$300.00} per month. I just finished my taxes and with both of those withdrawals and what I made by working in XXXX I made roughly {$18000.00}. Once I got into a financial hardship no one would help me out at Navient to restructure my payment plan. Ultimately just to survive in one of the richest counties in California I had to put a holt on paying my student loans. Now that we are in XXXX I went a whole year with a $ 300+ per month payment and was way below the poverty line. Alone the interest on these loans has wrecked havoc and they have accrued so much interest I now owe over {$40000.00}. I need some help here because they wouldn't help me and if you look at my record I have filed several complaints to the CFPB regarding this loan servicer - Navient. The service is horrible and when I told them what was going on and the financial issues in my life I didn't receive any service and nobody would work with me. The math on {$18000.00} for the year is a {$1500.00} per month, add in rent, utilities, food, transportation, insurance there was no feasible way for me to pay that amount monthly and every time I asked for help I would get the same response and turn in my XXXX tax return. This is mind blowing that a company can treat their customers the way I have been treated. On top of that they put me into a deferment plan without my consent. How is that legal? How can they do this to people and get away with it? Somebody at the CFPB PLEASE help me. I really need it! | ||||||
| 02/23/2017 | Yes |
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| I am a XXXX and I have a large amount of debt from XXXX school. I have been on Income Based Repayment ( IBR ) since I started XXXX in XXXX XXXX. Later in XXXX, when it was time to re-apply for IBR, I filled out all of the paperwork and submitted it on time. I received confirmation that my paperwork was received, and ultimately it was approved. When my first bill for XXXX XXXX came, it said I owed over {$1700.00}, where my payments listed on the IBR approval were only ~ {$400.00}. I called and was told there was nothing to do and that I owed the $ 1700+. I requested to talk to a manager and was repeatedly refused until the person finally agreed. I spoke with several managers, and was repeatedly told that they did n't know why, but my IBR payments do n't start until the following month. No one could tell me why, since the paperwork was on time. I told them that I could not pay it, and they repeatedly said that the only option was to put my loan in forbearance. I told them I should not have to do that because I can make appropriate IBR payments that have been approved, but they said the only way to not have to pay that $ 1700+ was to enter forbearance. They told me they could put it in forbearance for just a day, then I could make the IBR payments. I did not want to be placed in forbearance since that messes up my consecutive payments and also uses up my forbearance, but they gave me no other option. Additionally, my first year of IBR my payments were ~ XXXX per month. The following year, where my income increased by over {$5000.00} per year, my payments were ~ {$180.00}, which did n't make sense to me how that could happen. I called multiple times to make sure I was paying enough, and no-one would tell me how it was calculated or why the new IBR would be lower given my higher salary. I explained why it did n't make sense, and the people agreed it did n't make any sense. They told me not to question it because the payments were lower. I am now concerned that these payments will not qualify for federal student loan forgiveness programs. Every time I call them, I get a different answer for the same question, and I have been told multiple times things that are not true. I feel like they are always trying to get me to go into forbearance. Now all those documents are gone, because they only post them online. I did n't think to print them, and they are gone after 12 months online. | ||||||
| 12/23/2016 | Yes |
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| I graduated this past XXXX, officially in XXXX, prior to that my Navient account was being forbeared by paying {$150.00} which was supposed to go to all my loans. However, the loans originally written through XXXX XXXX were special XXXX XXXX loans where the parent was the parent borrower and their income/credit was the basis of obtaining the loan. The student was listed as the student but still responsible for the loans. There are a total of XXXX smaller loans with Navient, however, when I was paying the good faith payment to protect the credit reporting, they did not cover all the loans because they were not brought over from XXXX XXXX with my name being attached to them all. Apparently this loan type is no longer offered because of its complex nature of not proving the student was in school. Now I have graduated and have attempted to consolidate these loans, but constant negative reporting while in school ( the grace period ran out because I took more years to graduate ) makes it difficult to be eligible for anything. Additionally, between my parent and myself, never got information on all the loans over the phone because of the way they separated in the system. So some representatives gave incorrect information because they did not look in all places. Although there were special programs available, I was not told about those until after my account got extremely delinquent. Now I am enrolled in a interest rate reducing program which is helpful, however, Navient still reports the loans at delinquent, and a letter for setting up the program states they will continue to do so until the qualifying payments are made. You have to make XXXX automatic payments in XXXX consecutive months in order to fully gain entry into the program. My issue is that I started with a credit score in the high XXXX, in 4 months of successfully paying off credit debt, paying student loans, due to being gainfully employed, I was nearing a credit score in the high XXXX, and easily would be in XXXX range by next year. Now in XXXX month, it has dropped XXXX points. And will continue to drop at such a large rate, that despite being on time with my agreement and payments across the board, I will be penalized for this. In addition, despite being in the program, you still receive calls upwards of 3 times a day. No one there seems to share information which would be helpful to those who are attempting to pay. | ||||||
| 10/29/2020 | Yes |
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| I have repeatedly been charged less through autopay than Im told in my account that I should be paying and without my permission. The first time I noticed this was in XX/XX/XXXX, when I realized I was charged {$400.00} instead of closer to {$450.00} like I had thought I was paying. This made me take a closer look at my payment history, and these are the changes I noticed : XX/XX/XXXXXX/XX/XXXX : $ XXXX/monthXX/XX/XXXXXX/XX/XXXX : $ XXXX/monthXX/XX/XXXXXX/XX/XXXX : $ XXXXmonthXX/XX/XXXXXX/XX/XXXX : $ XXXX/month Prior to XX/XX/XXXX, the price per month was lower than {$440.00}, but after XX/XX/XXXX I started budgeting $ XXXX/month and assumed thats what I was paying until I finally caught on in XX/XX/XXXX. I called and talked to them then, in attempts to find out what was going on, and I was just told that autopay amounts vary and there was nothing I could do about it and that they didnt need to give me any notice or get my permission. I literally said I wanted to pay more per month and they told me that there were no plan options for me to be able to do that. In XX/XX/XXXX I added extra money per month to my autopay for my federal loan, because that one has a separate payment from the rest and is the only one that will allow me to autopay extra each month. This should mean my total monthly payment is now {$500.00}, which is what their website still says I pay per month as of today, XX/XX/XXXX. However, on XX/XX/XXXX, only {$370.00} was deducted from my account. What happened to the other {$120.00} even my autopay says I was supposed to be charged for the month? I realize it seems odd to be complaining about paying less, but this is going to lengthen the amount of time Im in debt to them, which is going to mean I pay them back even more than I agreed to in the first place. As it stands, those 15 months of lower payments means I paid {$210.00} less than I had thought. Combine that with the missing {$120.00} from this month and thats {$330.00}, which means thats an additional month of payments tacked on to my loan term, which means thats extra interest money Navient is discretely making off of me. Ive already been paying off my student loans for 18 years, and according to Navient I still have XXXX more to go. Its ridiculous and overwhelming enough without having to worry about companies pulling this kind of shady XXXX when all Im trying to do is pay the amount I agreed to. | ||||||
| 07/01/2019 | Yes |
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| I have filed 3 complaints with General Revenue Corporation and XXXX XXXX has illigally denied my access to copies of any contracts, bills, statements or records that show that I owe any balance to Indiana XXXX or General Revenue. The only documents that XXXX XXXX from General Revenue Corporation are collection bills for the amount of {$450.00} and a collection balance {$90.00} totaling {$540.00} I believe your company has violated several of my consumer rights. Specifically, I have requested General Revenue Corporation upload copies of all documents already sent and any response to this notice through the Consumer Financial Protection Bureau Portal with the response- If you have the documentation needed legally and have already sent it in XX/XX/2019 to verify that this debt is owed to Indiana XXXX and that you have the rights to collect on behalf of Indiana XXXX . ( FDCPA ) 15 USC 1692f 809 ( A ) ( 4 ) ( B ) I hereby demand that you produce for my inspection, an original contract that establishes the existence of a debt to which I am obligated to you or your principal. General Revenue Corporation is trying to collect interest, fees, or other charges on top of the charges they accuse, is illegal according to the Fair Debt Collection Practices Act ( FDCPA ) 15- USC 1692f 808 ( 1 ) Unfair Practices- Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request Proof of your right to own/collect this alleged debt Balance claimed including all fees, interest, and penalties Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive proof requested above by mail and by uploaded response to the Consumer Financial Protection Bureau XXXXomplaint Web Portal, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. | ||||||
| 06/25/2020 | Yes |
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Web | Servicemember |
| To Whom it May Concern, I have been dealing with this issue with Navient since 2013. I am a recipient of the XXXX LRP program. I filed a complain with you ( XXXX ) regarding the reapplication of my LRP benefits. I have since received a report and I am far from pleased. What I asked for was the payments to be applied to the principal and interests for loan 1, 2 and 3. This should leave a balance of XXXX based on my calculation and anything extra should role over to loan 4. I was disgustingly shocked by the report received from Navient. Now I understand why roughly a million students default on their student loans every year. The Principals for loan 1, 2, 3 and 4 are as follows : {$13000.00}, {$14000.00}, {$10000.00}, and {$16000.00}. According to the report received, the principal balances reflect the following in the same order : {$15000.00}, {$16000.00}, {$12000.00}, and {$19000.00}. As you can see this is a huge difference from the principal Navient is showing on their website. These figures do not include the interest accrued of the years prior ( since XXXX ). I was expecting to wipe out the total balances of loans 1 to 3 and may have extra money remaining to pay some of loan 4. This issue is becoming too much for me and my family. I want to get this behind me. I have been cheated. My father is very much incapable of repaying these loans and my sister and I want to pay them in it's entirety. He can not keep a steady job and the monthly payments for all these loans are equivalent to more than his monthly salary. At this point, I am more interested in coming to a settlement. I am willing to pay Navient {$45000.00} in 120 days. This is all the money I have in my 401K, savings and I will sell my car and some of my furnitures. I want to get this behind me. I have a history of mental illness. With the pandemic and all that is taking place in this world, I need to put Navient behind me for my sanity sake. There are so many layers to this insanity that I am no longer willing to entertain. I was to hear a balance of $ XXXX $ XXXX after the payments are recalculated. Nothing about this is right. Please take the settlement and allow me to move on from this. A this point in time I am exhausted. I am medically retired from the military and is dealing issues related to my illness and medical care. I can not take this nonsense. I do not understand what is going on and I am exhausted. | ||||||
| 03/26/2018 | Yes |
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| Hello, Upon my annual renewal of my income based repayment plan, Navient denied my renewal saying I hadn't made three consecutive payments under the prior income based amount. In the past 12 months, I had made XXXX consecutive timely payments under the old plan amount and had 6 months forbearance. When forbearance ended, Navient kicked me out of my income based plan into a standard repayment plan. I called a representative, who admitted that was incorrect and placed me back into the income based plan. When logging in to pay my next amount due under the income based plan ( and I believe the new amount is being computed incorrectly, but that's not at issue right now ), I learned that they did not remove approximately {$59000.00} in capitalized interest that they added to principal when my loan entered into the standard repayment plan. I emailed Navient about this and received a response in XX/XX/2018 that the capitalized interest is unable to be removed and " there was a gap in your enrollement in the Income-Based Repayment Plan and this caused the accrued interest to capitalize ... '' I called to speak with a customer service representative today ( XX/XX/2018 ), and she insisted that the interest capitalized because I left the 6 months forbearance. I informed her that this is an excessive amount of interest for 6 months of forbearance and I've never had an issue like this coming out of other forbearance periods. She said it's in the terms that they are allowed to capitalize interest, and I agree that the interest that accrues over the time of the forebearance period may be capitalized. However, capitalizing the entire amount of interest that accrues over the life of the loan that is in the Income Based Repayment Plan is completely against the purpose of these repayment plans. Despite reiterating I have in writing that the interest was capitalized because of the gap in the Income Based Plan ( which was their fault ) and that $ XXXX in interest is excessive for 6 months of forbearance, she insisted that was in accordance with the forbearance terms. Now I have conflicting excuses from Navient on this capitalized interest, a higher payment amount, and even more interest accruing on this capitalized interest. If they can kick me out of my Income Based Plan and capitalize interest on a whim, I'm also worried they may restart my number of payments under the plan on a whim as well. | ||||||
| 05/18/2016 | Yes |
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| Please refer to a previous case number that was closed and should not have been : XXXX. I am attaching more files for reference : Email sent to Navient on XX/XX/XXXX however the dispute had been closed and should not have been. I was told over the phone on XX/XX/XXXX, that as part of a forbearance Navient would show the account as current and Navient would remove any negative reporting. Based on the information provided by Navient and its representative, I agreed to the forbearance. 34 CFR 682.211 ( c ) allows lenders and borrowers to agree orally to a forbearance as follows : " Except as provided in paragraph ( d ) ( 2 ) of this section, a lender may grant forbearance for a period of up to one year at a time if both the borrower or endorser and an authorized official of the lender agree to the terms of the forbearance. If the borrower or endorser requests the forbearance orally and the lender and the borrower or endorser agree to the terms of the forbearance orally, the lender must notify the borrower or endorser of the terms within 30 days of that agreement. '' In this case, the terms of the agreement were stated in the XXXX XXXX, XXXX telephone call. The call was recorded. I have requested a copy of the recording on multiple occasions, both in writing and over the phone. Navient has refused to provide the recording which states the terms of the forbearance agreed to. Additionally, on XXXX XXXX, XXXX I requested ( via email ) a copy of Navient 's policy regarding releasing phone recordings. See attached. Navient has refused to fulfill my request. Because Navient has failed and refused to produce the oral forbearance agreement, Navient has not addressed my complaint. In addition, Navient NEVER sent me the letters dated from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX which purport to put me on notice concerning the loan status. When I log in to my Navient account, it shows all the correspondence that Navient has sent me. See attached. Those letter are not showing in my inbox, and I NEVER received any of those letters in the mail. Since the letters were never sent ( as is confirmed by their own website ), any required notice to me was defective. If Navient is generating these letters after the fact, they need to be investigated. Demand is hereby made for Navient to remove the negative information reported to the credit agencies pursuant to our oral agreement on XXXX XXXX, XXXX. | ||||||
| 04/22/2023 | Yes |
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| My private student loans are through Navient. These loans never went to me directly at the time at XXXXXXXX XXXX. I was frequently put into default/ forbearance without asking for forbearance. I have repeatedly asked to remove the cosigner 's from my private loans and been given multiple reasons they wouldn't. They said it is not in their best interest to remove a cosigner and I still have them almost 15 years later. I was granted borrows defense on my federal loans for my schools fraudulent practices but that does nothing to assist with the private loans they received. I had three private loans for a total of {$15.00}, XXXX. I graduated in XXXX I have paid on the loans the majority of that time. Having paid already double what I had borrowed with fluctuating interest rates and incorrect payment data I still owe an additional approximately XXXX dollars in private loans. What they claim to have received in total payments is not accurate based on payment history. I was in default for more than seven consecutive months being forced to make payments to prevent wage garnishments being told inaccurate information and for some reason was not included in the navient settlement. When going through their customer service and asking why I was not included in the settlement seeing as how I met the qualifications for the settlement they stated that because I had made a payment XXXX of XXXX it disqualified me and I had no further recourse and I have continued to make payments every month since then. I believe I should have been included in that settlement due to my loan status and I believe that navient coerced me. Based on the lawsuit that was posed against navient in that settlement any loan that had been in default or forbearance for seven consecutive months at any point prior to the issuing of the settlement was included. I request that my loans be evaluated for their qualifying factors in that settlement they be discharged and my payments be refunded. I was cruelly taking advantage of by a fraudulent predatory School that is created great financial harm since attending. I filed bankruptcy in XXXX however private student loans at that time were not included because I was not disabled. Navient upheld their private loans throughout my bankruptcy and the two years since. Navient refuses to settle the private loans unless your loan is in default this costs additional interest and fees. | ||||||
| 03/31/2015 | Yes |
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| On XXXX XXXX I originally called to make a payment and while speaking with the Navient representative she gave me advice on lowering my private XXXX XXXX, not " Navient '' loans. She stated I can have them sent to be processed at interest only for 2 years taking my payment from {$650.00} to {$540.00} ( Interest only ) per month. To get started I needed to pay for a 3 month forbearance so I would n't have to make any payments until the " interest only '' request was complete in about 30 business days. According to the advocate the forbearance was also needed to protect me from accruing any late fees while the request was being processed. I concurred and paid {$150.00} for the 3 month forbearance ( XXXX-XX/XX/XXXX ) on my XXXX ( $ XXXX/loan ) private loans. The XXXX XXXX representative read me my terms and agreement stating I will have a 3 month forbearance covering XXXX then my new payments of {$540.00} will start. I thanked the caller and ended the call. On XXXX the XXXX I called XXXX XXXX to check the status of my " interest only '' request because I had n't received anything via mail updating me. I was then told, my request was denied because the loans have to be in the first 5 years of repayment and I was over those years because the loans were taken out in years XX/XX/XXXX-XX/XX/XXXX. I was also informed that my Private loans were past due. When I ask for the reason why they were past due, I was told my account was only processed for 1 month forbearance. I explained to the representative of the information I was given by the last representative who took my {$150.00} payment for 3 month forbearance and read me the terms and agreement. I was told, " Ma'am, you are only offered 12 consecutive months to do forbearance and you only had one month left. We ca n't give you what you do n't have. '' I ask the rep how I was supposed to know this information. I explained the reason for me calling Navient and speaking with was rep was to get assistance and I had confident I was being told accurate information. All I was repeatedly told was " I apologize, but we ca n't give you what you do n't have. I spoke with a supervisor who kept giving me the same information. '' I ask to file a complaint, so the supervisor promised me a call back within the next 7-14 business days once she filed my complaint. As of today, I still have not gotten a return call nor has my account been adjusted. | ||||||
| 03/03/2020 | Yes |
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| I have been trying to resolve my private student loan debt with Sallie Mae, now Navient, for 10 years. They refuse to work with me to lower my payments. It is a CONSTANT, nonstop harassment on their part to try to get me to pay $ XXXXmonth which I CAN NOT afford. I just had a XXXX and had to take 4 months of unpaid FMLA time off of work. They straight up REFUSED to work with me in any way when I called to ask about temporarily suspending payments while I was recovering from having my XXXX. I called several times leading up to my XXXX to ask about my options because I do want to pay back my loans and they offered me no empathy or options. I became very frustrated with the entire situation and told them to just cancel my payment plan of $ XXXX month. That is the absolute lowest they would go, by the way. I work part time and make very little money and they really don't care. They are a predatory company who does not care about helping anyone out, all they care about is money and harassing good people who have fallen on hard times. They usually call my cell phone between 10-15 times A DAY. Not only was that bad enough, TODAY they SOMEHOW got my brother in laws phone number and called his cell phone. They asked for my mother in law by name and said they were trying to get in contact with me. My mother in law was very worried about how they got her information as was my brother in law. This is completely out of line. They are NOT cosigners on any of my loans, they have ZERO involvement with any of my student loans, private or federal. This is outrageous and predatory and I will not accept it. Something needs to be done about this and I need some help. I am at my wits end. I have often considered filing bankruptcy, hiring a lawyer and suing the company and this had led me to a severe XXXX and even at times XXXX thoughts. My credit is ruined, my co-signers credit is ruined, and they remind of that fact every day. I have thought it would be better for me just do XXXX so I don't have to deal with this stress in my life anymore. And I have TRIED FOR 10 YEARS TO RESOLVE THIS ISSUE. They ALWAYS refuse to work with me about lowering my payments. I have been screaming out for help for 10 years and no one has helped me. I am tired of suffering like this. I need some help. This complaint needs to lead to changes at Navient and how they handle their customer service. It HAS TO CHANGE. | ||||||
| 01/05/2018 | Yes |
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| For years I have reaching out about how to make payments to my Navient loan ( s ). I learned that payments were only made to select loans and I found myself delinquent in others - even though I was paying the amount assigned monthly. I was constantly trying to get clarification form customer service. Constantly harassed with notices threatening to put my account into delinquency. Since XXXX, I was regularly informed that if I could n't make the payment assigned to me that I should apply and renew deferment/forbearance. At times lowered adjustments were offered but still above what I was able to pay- I was made to believe that what I had to offer was not acceptable and I needed to apply for deferment/forbearance in order to not ruin my credit. Unfortunately, in XXXX I was diagnosed with XXXX XXXX and underwent a XXXX XXXX extending the deferment/forbearance status. If I had been able to make payments I could afford I could have avoided the accumulation of additional debt and perhaps lowered my monthly payments. Today, I called to say that I could start making payments towards my loan and they again said that they could n't accept this payment, instead insisting I pay more than I can afford in my current hardship. Now they are suggesting I pay double of what I can afford and again put 2 loans into deferment/forbearance. I escalated my concerns to 3 different people until a supervisor after much " calculation '' suggested I apply for a direct loan consolation and a pay as you earn graduate income based repayment. I asked if this was a new option and he said no - it has been around for a few years. I was shocked to know that they had n't counseled me sooner. He said it was almost guaranteed that I would be approved. It 's unbelievable that six years have passed - I am a XXXX XXXX XXXX for children with XXXX and low income communities- and as I dedicated myself to service, I could have been paying towards my balance and working towards forgiveness. I feel robbed of my financial well being. Now I face medical bills that surpass my student loan. I will never climb out of this financial hole. I feel deceived. It is depressing. I have renewed my deferment/forbearance for 2 of my loans, paying double of my affordable contribution, awaiting my consolidation application with direct loan. I 'm learning about Navient 's deceptive and irresponsible practice today. It 's disgusting. | ||||||
| 05/19/2017 | Yes |
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| I graduated from University XXXX XXXX in XXXX . I was going to go back and get my masters but decided I could n't and they still charged me of the semester which I have paid but it does n't show on my account online?? ... This amount was about {$1200.00}. When I graduated I was told by XXXX XXXX that I did n't have to pay my loans for 2 years after I graduated so I did n't. My loans were disbursed XXXX / XXXX / XXXX I believe when Navient took over the loans Account # XXXX ( see attached documents ) for an unsubsidized and subsidized which I am not sure of the two and why they equal so much!! I have had a couple of financial hardships along the way but have made my best ability to pay and cooperate with the loan process. I am now in the graduated plan which is {$180.00} ( or more if I can afford it ) a month and manageable but the problem is there is over XXXX A DAY added in on interest!! This XXXX loan already has a 6.12 % interest rate and I am being added interest daily even though I am in good standing!! I do n't understand how when I pay I get all this extra interest rate and then the 6 % is HIGH alone!! I want to pay these because I borrowed the money but why do I have a subsidized AND an unsubsidized?? ... I also just paid them over {$700.00} because I had {$500.00} in uncured interest which hey ca n't tell me where that came from. But in order for me to see my loan amount go down I had to pay that and I have already accrued over XXXX dollars in interest since 2 days ago!! I 'm frustrated and I really need some answers!! Also, I have a parent plus loan that was through XXXX XXXX and now through Navient that is at 8 % interest!! ( see attached ) I was n't old enough to get this loan in my name at the time of school so that is why it is in my mother 's name but I PAY it monthly. I am not on any payment plan because it is XXXX a month. I do n't understand how I am supposed to pay both of these and let alone pay the XXXX by itself after all the interest rate that 's tacked on!! According to the attached documents if I pay according to their payment status I would pay $ XXXX .THAT 'S OUTRAGEOUS!! Please help me!!! I need to get some payment plan options better than this!! Navient is so unhelpful and ca n't point me in the right direction. They told me federal loans get tacked a daily interest rate and I 'm drowning here!!! | ||||||
| 04/23/2015 | Yes |
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| I 've been in and out of forbearance for many years after my XXXX graduation, while trying to keep up with Federal loans as well. Every time I tried to setup a payment plan, or make payments by phone through XXXX XXXX/Navient 's automated system, payments would be disbursed incorrectly. In XXXX of XXXX, I made an automated payment by phone. When calling in to check on that automated payment, each person I spoke with kept telling me the same things- 1 ) my payment has already gone through and 2 ) they are still waiting for my payment to go through. Unfortunately, the automatic withdrawal was put towards another loan instead of what the automatic option I selected had told me. I even called a few times to make sure I was hitting the correct buttons. After about 2 weeks, I finally got through to a supervisor, frustrated with all I 've been through and not seeing anything corrected. The supervisor apologized and said it would take a few days to be put towards the correct loan.The supervisor then help me to set up a payment plan that would last for 2 years and advised that they would happily remove the errors off of my credit after sending a letter. I sure sent a letter within the same month. I received correspondence on XXXX saying that they made no error and they would not remove their errors from my credit report and my credit has been shot down so bad. After setting up a payment plan for what they said would be 2 years, they changed my automatic payments to a regular payment after only 5 months on XXXX/XXXX/XXXX. They said my 2 year payment plan was over, when it obviously was n't and there was nothing I could do. I told them I ca n't afford to pay all other bills including mortgage, along with current federal loans. The last call I had with them, they transferred me to XXXX different departments saying that each department would be able to take care of me. They have made errors too many times and it 's causing me stress and financial hardship. I 've spent too many hours of my time ( 80 % of my calls with them would take from 30minutes up to 1hour long ). They are unorganized and I would be passed from XXXX person to the next, then to the supervisor. I have all of my digital statements to show this. I 'm currently looking for an attorney who handles these types of situations. I have been struggling to get anything fixed with XXXX XXXX/Navient for many years. Please help! | ||||||
| 05/01/2021 | Yes |
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| I had automatic payments set up with Navient through my debit card. They used to have my bank account information but made unauthorized payments using it. But I decided they could do the auto payments through my debit card. I started those three years ago. I was watching the payments and everything was going fine. But last XXXX, I got a new debit card. I forgot to contact the company to make sure they had the correct one one file. But the company waited four months to contact me and ask for a payment. They waited until the account moved to the collections department to reach out. At which point they harrassed me with phone calls and emails four times a week. One week they called me twice in one day. That last for a solid month. I called them and made a payment. But they told me I still owed money just to get it out of collections. I asked for documentation that they would not have my card information on file and that I would also receive the terms and agreements of my account. I asked for certified mail. Never received it. During that phone call they continued to use predatory tactics which caused me to panic. It triggered a recent trauma and the cops were called for a welfare check on me. The phone calls and emails stopped for a bit. Flash forward to XXXX. The company sends me an email that says if I call and make a payment by XX/XX/XXXX they will waive late fees. I call them on the XXXX to make a payment. The woman tells me I do not have any late fees. So now they are using false information to bait me into making payments. By telling me they will waive late fees that is a promise they will provide a service. In this particular instance they have not provided that promise. I no longer can trust this company. Since making that phone call. I have received an email from them asking in a round about way for a payment each day. I has only been 4 days since that phone call. The woman on the phone that day told me she was giving my account to another department who would assign me to a personal account manager. I have yet to receive any communication from any individual who would handle my account. I never talk to the same person on more than one occasion. More predatory and false promise tactics to get money out of people. Their customer service is horrendous and they continue to mishandle accounts. I want my loans out of the company and never have to deal with them again. | ||||||
| 08/09/2017 | Yes |
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| On XXXX XXXX, 2017 I made my monthly payment online. On XXXX XXXX, 2017 I called Navient Customer Service to pay off one of my three loans. I explained that I wanted to pay one of the loans in full and I am calling because I can not figure out how to pay it off online. She gave me the balance of my smallest loan {$320.00}, I said yes that is the one I want to pay off. I processed the payment out of my bank account. She gave me a confirmation number and told me congratulations on paying off the loan. In XXXX I logged on to pay my monthly payment. Only the two remaining loans were showing. Both loans said {$0.00} amount due. I did not make a payment. On XXXX XXXX, 2017 I logged on to pay my monthly payment. It now shows three loans again. I pulled my bank statement to confirm the payment of {$320.00} was deducted from my bank and it was. The payment history on Navient 's website shows the payment however it is applied to one of the larger loans and still says I owe for the smaller loan. On XXXX XXXX, 2017 I called Navient Customer Service and the agent said because it is a consolidated loan that the payment was applied to both loans. I explained that I indicated to the agent on XXXX XXXX that I wanted the payment allocated to the smallest loan. She said the agent on XXXX XXXX applied the payment correctly however a system error caused the problem. She assured me that she would reapply the payment to pay off the loan in full. She said there was a past due balance from XXXX. I wanted to know why, if they had applied the additional payment to both consolidated loans there would not have been a past due balance. I made a payment with her to become current. I asked to talk to a supervisor. The supervisor apologized if the agent gave me any incorrect information. She said there was not a system error and again assured me that the loan was paid off and I was current but could not explain why the loan was not paid off on XXXX XXXX. She transferred me to a Senior Supervisor who said that only a Supervisor could approve a loan payoff and the Customer Service agent did not get the approval from a Supervisor on XXXX XXXX. The Senior Supervisor could not tell me why the agent could not get the approval from the Supervisor. Navient never notified me that the loan pay off was not approved. Nor did they notify me that they were going to apply that payment to the two consolidated loans. | ||||||
| 06/15/2017 | Yes |
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| I contacted Navient in XXXX of XXXX about my student loans, to say that I was going back to school and that I could n't afford payments. I was told I was in a grace period and that I would notified when a bill was due so that I could call back and have my loans defferred or placed in forbearance. She also told me she would note my account so that they would know I am placing my account in forebarance once the grace period ended. I was never contacted bout a payment being due. I was never told my payment was late ; I was n't told it was 30 days late, 60 days late, or 90 days late. In XXXX of XXXX , Navient put 9 negative charges to my credit report. I contacted them and told them they never contacted me about a bill or told me that the bill was late. I had n't received anything from them. First, the lady tells me she mailed them. I told her I 've been living my house for 15 years, you did n't mail me a thing. Then she switches and says that they emailed me, I told her that they didnt do that either. She then tells me to dispute it and explain. I did! Navient has basically been telling me these past few months that they are not taking it off my credit report. I have asked for proof that they tried to contacted me and after telling me numerous of times they would, they basically said that they wo n't. I was also told that they called me, but they did n't do that either and I check my phones records to ensure that. I got a call on XXXX / XXXX / XXXX from Navient and the representative basically told me he wo n't remove it from my credit report because I am in the wrong. Under their policy they are suppose to contact me when the bill is past due before they report it to my credit and they did n't. They are basically abusing their power, telling me they do n't have to prove to me they did anything and they do n't have to remove anything from my credit report. He also made no sense with their policies and basically told me to deal with my new bad credit score ! I have done my research on this company, they are abusive to their consumers. REMOVE YOUR LOANS FROM THEM IF YOU CAN! They are not down to help, they do nothing but lie and XXXX people over. Its bad enough that we live in a country where we have to go in debt to get an education, now we are getting screwed over even more by having poorly ran companies like Navient messing up our credit! | ||||||
| 06/08/2018 | Yes |
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| Sallie Mae originated as the third party on this account and continuously put us in payment plan that had no end in sight. We continued to struggle make payments for the past 15 years, but made all our payments except only had to take a forbearance once due to a job loss. We struggled without savings and without retirement knowing we were getting close to the 20 year forbearance. Now our loans are with Navient and things are not any better. When we called recently to find out exactly how many more years we had to pay until our loans were forgiven, they said " oh you are not eligible for forgiveness because you are not enrolled in that program. We can enroll you in that program now if you like, and in 20 years you will have forgiveness as long as you are in good standing. '' Not only do we face 20 more years of payments, and no more savings, or retirement, but our kids are now faced with taking loans for school and more. The cycle never ends with the deceptive practices. Never once did we assume our loans would not be forgiven after 20 years of payments, and especially since the principal amount of the loans has been paid, but due to the way the system works the wording and the structure of their repayment assistance you never payoff your loans and you keep paying more and more interest. We are now faced with our payments going from {$650.00} to over {$900.00} for the next 20 years, even though we have paid over {$110000.00} to date, which was the amount of our original loans. According to Navient we will now pay the same amount in interest as we had in original loans, and we will have done so over 40 years. This practice is unfair for those who have made payments for decades and continue to do so, only to find out that our remaining loans would not be forgiven after 20 years. Never were we advised about having to be in a special program for forgiveness after 20 years, actually the only willingness the groups are readily able to do is lower your payment, but never telling you the long term ramifications. These deceptive practices are a reason the country falls further and further in debt. This is worse than the housing market scams, I am not looking for any special penalties or refunds, or monetary damage. At this point I would like to just have my the remainder of my loans forgiven. That is only fair. I have paid over the original loan amount since I started paying. | ||||||
| 01/19/2017 | Yes |
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| I was a XXXX XXXX student, at the end of school was given a consolidation with sallie mae- no other program was available. They took XXXX loans ( 1 per year ) and made subsidized and the other one unsubsidized.Why? so I could never re-consolidate soemwhere else-I found out! At the school the financial officer there was a representative from Sallie Mae only. I was given no grace period by Sallie Mae- dispute having to await passing my professional state boards for licensure. I was told to forebear at a significant cost to me. I was married at the time to a fellow student so we had XXXX student loans in effect from Sallie mae. also at the time I had XXXX during my last years of school. My only options were always forbearance- since I was told I did nto qualify for anything else-I had incurred late fees and high interest as result. My original loan was around XXXX that over the years was re-payed at 4-5 times that amount to excessive fees. If I managed to pay twice in one month they advanced the payment instead of applying it to lower my interest and principal. I begged for relief and better programs- daily calling them, and consistently found that what I had agreed to by phone- if I failed to follow up and check- was inaccurate and Not what I agreed to. This created a lot of letters to Sallie Mae in complaints- to no avail. I suffered a XXXX XXXX and again went though their " relief '' program which was only forbearance and late fees. My XXXX- and so the XXXX benefit I later received from that I later took and paid off Sallie Mae in /around 2010 at XXXX at a time I even had to move into my office since I had no place to live. Because of the financial hardships with Sallie Mae, my marriage also ended. My credit report has been a nightmare and very difficult to correct the mis-information that Sallie Mae provided to the XXXX XXXX. Since it shows late, closed and sold, and multiple Sallie Mae accounts that I have to explain to mortgage companies etc. Thus, I used my XXXX rights to benefit to just pay them off. My credit report shows Multiple accounts with Sallie Mae- errors that I cant get them to correct such as : - ACCOUNT TRANSFERED TO ANOTHER OFFICE- STUDENT LOAN PAYMENT DEFERRED- ACCOUNT TRANSFERRED OR SOLD- CURRENT ACCOUNT this makes up about 30 % of my credit score! I must not be alone in this unfair business practice of Sallie Mae and wanted my voice to be heard. | ||||||
| 07/07/2020 | Yes |
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| In XXXX, my loans with Navient ( at the time, Sallie Mae ) equaled approximately {$82.00}. XXXX. When I contacted Navient due to difficulties repaying my loan, they offered me a hardship forebearance. I thought this was a life-saver. I was unaware of and not offered any other options ... .This option allowed Navient to continue to accrue interest on my loan. Since I was a low paid public service worker, Navient continued to offer me forbearances until one day they told me my number of forbearances had run out. They never once informed me about any income-driven repayment plansthat would have allowed me an affordable repayment option and the opportunity to have my loan forgiven after ten years as a public servant. Now, in XXXX, I find myself, a single mother with a XXXX child strapped with a loan that currently amounts to {$160000.00} ... more than twice my original loan amount. Furthermore, after recently filing for an income based repayment plan, I was sent a coupon booklet where my payments jumped more than 100 %. Although my income has not improved greatly, my plan goes from {$150.00} a month to {$1500.00} starting in XXXX. I can not possibly pay this amount which is 38 % of my income based on last years tax records. And that's gross ... .NOT take home pay which is approximately a third less ... I am XXXX XXXX XXXX. These loans are from a XXXX XXXX XXXX program for a XXXX XXXX degree, that I was never able to use, because XXXX XXXX failed to inform me that post-graduate courses where required for permanent certification. I was never able to afford the XXXX 's courses. As a result, I have never been employed in the school counseling field. When I initially called XXXX XXXX I wanted to become a XXXX XXXX. They steered me toward the XXXX XXXX track as they had no openings in their teaching program at the time. They never once informed me that my XXXX XXXX XXXX alone would be useless unless I could afford additional courses, or I NEVER would have chosen that professional track and taken out student loans for a worthless degree. I did not find out that XXXX 's courses were required until after I graduated. Then, for years, Navient granted me forebearances ... .never once advising me of other options. Please, advise me as to what I can do. I feel as if both Navient and XXXX XXXX did me a disservice by not giving me adequate information to make sound decisions. | ||||||
| 04/15/2018 | Yes |
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| My loans have been transferred from XXXX to Navient in XX/XX/XXXX. My XXXX loans were on autopay at the time and apparently that go transferred over ( without Navient telling me - which was one of the issues, their website does not properly tell you if you are on autopay or not ). Right from the get go, there are massive issues. I was not officially warned that I moved to Navient until I checked my account on XXXX and my accounts were gone. And I did not get any of the documentation from Navient until well after the first payment was due. It was sheer luck that I saw this and quickly made a navient account to make a payment on the loan. Which leads to the next issue, I made a payment to Navient for XXXX dollars on XX/XX/XXXX. Navient then disperses the amount into different accounts, instead of the loan that was specified. I read up and Navient has had a history of doing this. I called them up and told them about the issue and thankfully, they corrected the issue. The next issue is their website. I was ahead on payments apparently and because of this, they deceptively remove the autopay icon from the account, even though I was on autopay. As a result, I ended up paying XXXX dollars on another account twice. I called Navient again and they tried to say that it was the issue with XXXX and that it was normal to remove the autopay icon when I am ahead in payments, even though I am still in autopay. I find that incredibly deceptive. Worse, the refund, if I wanted to take it, would take 10 business days, which would have been pointless as I would have to make the payment again not long after. Which leads me today, Navient took money from my account on XX/XX/XXXX for {$150.00} towards my big loan account ( I have three accounts, all three have had major issues with Navient ). I checked my account and AGAIN they dispersed the amount in different accounts instead of the one, making my loan late in payment. I will be calling them again on Monday to settle this and I will be removing all payments on autopay as they are incompetent in dealing with money. Based on the lawsuit that was brought to them last year and seeing first hand how much they have been XXXX me, I am going to have to keep a super close eye on Navient and their incredibly shady business practices. If they keep doing this, I will be consulting my lawyer to see if I can pursue any action against them. | ||||||
| 11/07/2016 | Yes |
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| Dear sir or madam, I have XXXX federal consolidation loans with Navient, which I have been paying in good faith since XX/XX/XXXX. Due to recent information that has come to light, I believe Navient has stolen money from me and acted fraudulently over the last few years. First, Navient claims that XXXX years ago I chose a graduated repayment program, in which only interest would be paid back for the first XXXX years. I did not knowingly choose this repayment plan, and I never would have. They did not inform me that I was only paying back interest, not principle. This came to light about a month ago ( XX/XX/XXXX ), when my monthly bill increased without warning by nearly {$70.00}. I immediately contacted Navient, who claimed that I had been informed of this change in an email in XX/XX/XXXX. I did indeed receive an email titled " change in terms '' on XX/XX/XXXX but there was no information in the email or attached. I was not informed by email or post for the XXXX years that I was unknowingly on the reduced-payment plan. Second, over the last year I have consistently paid more than the minimum monthly payment. For the last XXXX months, Navient has applied my entire payment to " interest '', including the extra money. I asked them what happened to the extra money I paid, but they avoided answering the question, telling me over and over that I had chosen an " interest-only repayment plan ''. I can not imagine how it can be legal for them to apply money above the monthly minimum to interest, not principle. I believe they have stolen it. Third, I was forced several times to put the loan into forbearance because I was in a bad financial situation. Navient/XXXX always told me that I was not eligible for deferment, even when I was still in school or unemployed. They have thus added {$6000.00} of capitalized interest to my original principle, although I have always paid in good faith. I should have been eligible for deferment at least some of the time. I have tried to negotiate with Navient, but they will not cooperate with me. I have informed them that I am ceasing all payment on the loans until we can come to an agreement, but they will not back down. I can not in good conscience continue to pay a company that is stealing money from me, and fraudulently signed me up for a payment plan that I did not want. I hope that you can help me resolve this situation. Best, XXXX | ||||||
| 12/10/2015 | Yes |
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| This complaint regards XXXX signature student loans disbursed XX/XX/XXXX and XX/XX/XXXX. The loans are currently held by Navient XXXX XXXX XXXX. I am currently in school at University of XXXX XXXX XXXX XXXX in XXXX, New Hampshire. I entered this school XX/XX/XXXX. Each year, I filled out a new deferment form for my prior student loans. This fall, I had to do the same. I went onto Navient 's website and printed out the required deferment paperwork. I had my registrar complete the paperwork and fax the documents to Navient. Navient 's website says that deferment requests may take up to 21 days to process. I waited the three weeks. The website continued to say that I needed to make payments. I never received even a letter or an email confirming or denying my request for deferment. I occasionally got a message from my parents that Navient had called, always during school hours, but had refused to tell my parents why they were calling. I had my parents inform Navient when the company called that I had sent in a deferment request, but they would n't accept the message. I repeated the process, having my registrar send another deferment form, in case the first one had failed to successfully reach Navient. Again, the website never acknowledged the deferment request in any manner. I did not receive an email or a letter regarding the matter. I called Navient, and the automated message said that the deferment request was pending. When I finally got through to a human being, they told me, for the first time, that my loan was no longer eligible for deferment ( apparently I had used the allowable 48 months ). This information was not available online. This information was never conveyed to me by email or letter, even though I received numerous other letters and emails indicating that payment was due unless I enrolled in deferment or forbearance. And every attempt to contact me by phone occurred during school hours with Navient 's representative refusing to leave a message. It should have been so difficult to find out that my loan was ineligible for deferment, even though I am still in school. It was unreasonable for Navient to fail to respond to XXXX separate faxed deferment requests. If not for this asinine process, I would have made my payments on time. I would not have incurred late fees and the added interest. XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXXXXXXXXXX | ||||||
| 06/07/2018 | Yes |
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| I have a student loan payment due the XX/XX/XXXX of each month. Because I am now paid at the end of the month ( instead of the XX/XX/XXXX as before ), I requested to have my payment due date changed to the first of the month. I made a payment for the bill due on XX/XX/XXXX late on XX/XX/XXXX in the amount due of {$260.00}. Immediately following that, I requested through Navient 's online request system to have the due date changed. I received electronic notification via Navient 's automated message servicer that my loan billing groups had to be changed in order to change the due date and the next payment would be due XX/XX/XXXX. Shortly after that, I received notification that I had a new message. It was a generic informational pamphlet about allocation. When I logged in to view that message, my account showed that I had a monthly payment of {$260.00} past due with a due date of XX/XX/XXXX. I immediately contacted Navient through their online email system to inquire about this mistake. When the issue was not addressed, I called the Navient call center. The customer service representative was unable to read the changes to my account correctly. The rep told me that my payment from XX/XX/XXXX was still pending and the past due notice would go away when it posted. This was incorrect, as the XX/XX/XXXX payment had posted both in my bank statement and on my account information page on Navient 's website. As a result of the phone call, I received two automated emails saying my email requests would not be addressed since the customer service rep had addressed my issue. I sent additional emails via their website to inform them that the issue had not been addressed and to please explain why there was a payment due XX/XX/XXXX and why I had not been informed about it. Having not received a response from Navient, I logged into my account again to check on the status and my bill date had been changed back to the XX/XX/XXXX of the month. I was not notified in any way about that change. Additionally, it now shows my XX/XX/XXXX payment in the amount of {$160.00}. I paid the full amount of my bill {$260.00} which can be proven by my bank statement. I have received no notification as to the status of my account, why my loan due date was changed, why my account no longer reflects my payment of {$260.00}. I have sent multiple requests to Navient for assistance with this. | ||||||
| 06/03/2018 | Yes |
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| To whom it may concern : It appears that my payments with Navient are not being posted correctly and it has been going on for well over a year, but I just noticed it recently. I have called Navient twice in the last couple of weeks for two issue. Once on XX/XX/XXXX and again on XX/XX/XXXX, and they still have not been able to post my payments correctly. On XX/XX/XXXX I was informed that issue # 1 would be resolved by XX/XX/XXXX. Today is XX/XX/XXXX and its still incorrect. Today my loan payment ending in XXXX from XX/XX/XXXX is going towards the principal, but what about the previous 14 months? At the rate I'm paying on my loan my entire life since nothing ever goes to the principal. Issue # 1 : I made payments on one of my private student loans for the last 14 months, and not XXXX XXXX has been posted to the principal, so I called them on XX/XX/XXXX when I identified this. My mother called on my behalf and spoke to the customer service rep, and she said that about {$500.00} a month goes to interest, and my mother said to her that I paid {$950.00} in XX/XX/XXXX, why did all of it post to the interest? The representative was unable to answer for a minute, because the call was scripted, and the rep didn't know what to say except " yes, that doesn't seem right, I will get this account reviewed. Issue # 2 : I made automatic payments through my bill payer with my credit union on 3 loans with Navient on XX/XX/XXXX, and as of XX/XX/XXXX, they were not posted. I called Navient on XXXX and the Customer Service Rep said they were not posted yet, but to check back. Today when I checked, the payments had a post date of XX/XX/XXXX. They manner in which they have posted my payments appears incorrect. I had this issue in XXXX, and it was due to a " grouping '' per Navient, and supposedly Navient fixed that, but it appears broken again. How am I to validate this posting is correct. Its frustrating to call Navient because the customer service reps are scripted, and do not even listen to the issue. Please know that contacting and dealing Navient is very stressful and frustrating. I had similar issues in XXXX and it took months to resolve. They sound robotic and systematic with any phone calls you make to them. They try to get you off the call with an unrelated response. I have asked my mother to assist me because I work full time and Navient is closed when I get home. XXXX | ||||||
| 11/11/2016 | Yes |
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| XXXX/XXXX/XXXX Back in XXXX I was recruited by the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) ) with misleading graduate job placement information, as well as promoting the XXXX degree program that did n't offer the end result as advertised, which tied me into XXXX different types of loans ( private, Federal and Dept. of Ed. ) all with XXXX XXXX, now Navient. I was never given a choice of other lenders when working with their recruiters and naively enrolled in a program that increased their tuition every year, used outdated software in classes, outside online tutorial website to provide training ( which has their own pricing at a fraction of the cost ) and continued to offer me loans despite my slipping GPA. Since leaving the XXXX XXXX in XXXX without a degree, internship placement or even the proper experience to compete in the job market, my family and I have experienced XXXX issues ( increased healthcare costs ), job loss, homelessness, and out of state move. Since this time my student loan debt has ballooned from {$75000.00} to over {$120000.00} in a matter of 6 years. I have been enrolled in a variety of programs, however Navient 's practice of multiple loans, departments and lack of loan education made my last encounter ( XXXX/XXXX/XXXX ) a very confusing, frustrated and XXXX phone call. I had contacted Navient to settle a payment last week and agreed to a forbearance and amount that I thought covered all of my loans, however was made aware today, that the previous conversation did not take all of my loans into consideration and due to the increasing loan amount in order to pay all of my loans ( without adding any future forbearance ) on time my monthly payment would be {$1000.00} a month for all XXXX loans. After taxes and health insurance coverage, my own income would contribute a little over {$200.00} a month for my family every month. My current health condition has required me to pay significantly more for health care costs totaling {$1300.00} a month, leaving me in a situation of future peril without action. I am seeking for complete resolution of my private loans, as well as both Dept. of Ed and XXXX, for the full amount due to deceptive practices by XXXX and Navient ( then XXXX ) as stated above. This type of practice has been well documented with XXXX Colleges and I believe applies to the practices of the XXXX XXXX ( XXXX ) as well. | ||||||
| 05/10/2019 | Yes |
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| In order to get an understanding of the balance of my student loans, on XX/XX/XXXX I contacted Navient in regards to my consolidations loans that were completed on XX/XX/XXXX and that are currently with XXXX. The young lady could only provide Information on the most recent consolidation and was not able to see details of the older consolidation loans from XXXX and I was informed that I should contact XXXX. I contacted XXXX whom were not able to tell me what loans were included in the consolidation because they have the loan after the consolidation ; I was then routed to review and contact NSLD whom did not attempt to assist me at all with getting detailed information about my consolidation. I have also contacted XXXX XXXX in which I still have not received a response to date. On XX/XX/XXXX, I sent an email request to Navient that I would like an audit completed to provide me with the details of each of my loan consolidations. The response from Navient on XX/XX/XXXX is that I can review my loans with NSLD. ; again the problem this is that it will not show me the details and the amounts for the accumulated consolidation balance. When I initially, did the consolidation with Salliemae/Navient it was an attempt to bundle my loans in one place even after I had applied for forbearance and forgiveness through their agencyit did not as if anything had changed even while I was making payments. Also, while reviewing my information from NSLD, XXXX and Navient I noticed that loans that were supposed to have been consolidated during the XXXX application had not been included and that the most recent consolidation seem to include loans that should have already been accounted for. Taking a closer look at my students and Navients process, it seems that loans that were supposed to be included in a forgiveness process and consolidation agreement were not but also appears that some have been re-consolidated. This is not my first attempt at trying to get answers from Navient, back in XXXX when attempting to return to school but wanted to be clear on my student loan balances and received the same brush-off from Navient with no results. I am again requesting a full detailed audit of all of my student loans, this also is to include what specific loans contributed to each of my consolidation loan ( s ) because the forgiveness and consolidation initially began with Navient/Salliemae. | ||||||
| 01/21/2019 | Yes |
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| I was unable to put my college, XXXX XXXX XXXX California, into your system. PLEASE DESCRIBE THE ISSUE YOU HAVE REPAYING YOUR LOANS OR GRANTS? I attended XXXX XXXX of California, which closed while I was attending. I was told that because I was a single mother of XXXX and making very little that I would be able to attend college for free. Not only did the college close as I was attending, I also was saddled with a large debt. XXXX XXXX also gave me the promise that I would be able to return and continue my training after graduation, this was vital to me as a mother of XXXX, I would need to continue my training ; another unfulfilled promise. I have talked to my loan providers numerous times about this and have always been shuffled along while the interest on my loan has almost doubled. I then took out a private loan to get my XXXX XXXX degree. I have paid this off in full. Several teachers told me I should get my California teaching degree and that there was a great program called The XXXX and it would pay off any student loans that I had because our school is a rural, XXXX XXXX school. I was also told that the XXXX is a great program by XXXX, and many teachers that had done the program in the past had left not owing anything. Because I was in a XXXX school the XXXX would apply to me. I joined XXXX 's teaching credential program. I was finishing my XXXX degree, working on my CA XXXX degree, mothering XXXX children and working full time. I went to immediately apply for the XXXX program and was told it was no longer viable. I called my the Department of Education in XXXX and my local senator at the time. I was told that the government felt like the program was under utilized and so it was on hiatus. I begged to be grandfathered in ; my pleas on deaf ears. I then applied for the XXXX program, while I was in my Ca. Credential. Nothing ever came of this, except I received a new whopping debt to add to my last debt. I then was advised to apply for the XXXX XXXX XXXX, as I have over 5 years working at a XXXX XXXX XXXX. This was rejected. I have tried to call, but every break I have my loan servicer is closed. I work weekends, nights, holidays trying to bring the best education I can to my rural students. I have been dis-missed by the student loan servicer and government, undervalued, underpaid, overworked and saddle in accumulating debt. This is unreasonable! | ||||||
| 06/07/2016 | Yes |
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| My load was sold to Navient from XXXX XXXX, who I was providing payments too up until I was laid off. I explained repeatedly that I was laid off to those that CONTINUOUSLY called and stated the same situation over and over agin. I was laid off, and could not provide any payments. They had no solution in regards to the situation and I had exhausted for deferment that they offered. I was laid off for close to 24 months. Needless to say, I did regain full time employment. Unfortunately my loan had defaulted. I spoke with the same manager, who then stated I had to pay everything in full or face a legal situation. Clearly I could not pay the full loan as I was unemployed for 24 months and could n't pay them, I did n't have THOUSANDS of dollars hanging around to pay them to immediately provide over with this forceful call. He then stated, call family and friends and see if you can borrow a lot of money. I did FINALLY reach an agreement with them XX/XX/2016, paid a sum to get my account into current standing and set up a " loan re-payment plan '' through the same company. Needless to say, I did n't receive any documentation on the matter after calling REPEATEDLY to the same manager, and they stated ( after he finally got his manager involved ) that I would not receive anything until the 3rd installment was paid of the monthly amount that was agreed upon. Imagine my shock when I was under the impression that I had worked out a payment plan with them to correct the loan, and they hit my credit SIGNIFICANTLY in XXXX 2016, 1.5 months after I paid the sum to get the account in current standing along with a monthly installment. When I called and asked why they where hitting me from " both sides '' ( credit negatively/payments monthly ), they stated they could and that one department does n't have anything to do with the other even though it 's the same company. I then called and spoke to the manager who could not provide actual documentation on said verbal agreement, that in other words, even though you are paying us back and set up an agreement plan, we are still going to negatively impact your finances for years to come. They claim they are " trying to help me '' however, I have yet to see them " help me ''. They will continue to negatively impact my credit significantly until I have thousands of dollars to provide to them according to the manager that I spoke too. | ||||||
| 07/01/2021 | Yes |
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| In XXXX I enrolled into the XXXXXXXX XXXX XXXXXXXX Diploma Program from XXXX XXXX XXXX, which prior to being shut down due to fraud, was based in XXXX, XXXX.I was at this school from XXXX XXXX XX/XX/XXXX. In order to pay for the program, the school had me take out student loans. One was a federal loan ( {$6700.00} ) and the other a private loan through Navient Solutions ( {$27000.00} ). Recruiters from XXXX XXXX XXXX misrepresented to me the career outcomes of students who complete their program and provided false information about the career services that they would provide to students once they completed the program. They said that upon completion, students would be able to find well-paying, full-time careers related to the program of study. The recruiters also promised that students would receive robust career support as they looked for a job upon completing the program. This supposed support was said to include help getting connected to employers that the school had a relationship with and being referred to full-time well paying positions. These two reason were pivotal to me deciding to attend the school. Upon completing the program, I sought to receive career help. The only support I received from the school was to get connected with a few temporary part-time gigs. While I took these opportunities, I continued to see if they would be able to connect me with full-time opportunities, as they promised. However, they never provided such opportunities and eventually they told me that there were no employers who were hiring. I no longer went to receive their help and began looking for employment opportunities myself. I continued to apply to jobs that were related to my field of study, but soon found out that I did not meet the qualifications for these jobs. Apparently, the education that I received from XXXX XXXX XXXX was insufficient to get a career in the field. This was another false claim made by the school that I discovered soon after completing the program. Unfortunately, I was never able to find a fulltime well-paying position and have been stuck in debt with the loans that I took out in XXXX which has grown to over {$25000.00}. Again, if the recruiters from XXXX XXXX XXXX did not provide me with false promises about my career prospects and the support they would provide to me upon completion of their program, I would have never attended their school. | ||||||
| 07/29/2019 | Yes |
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| Navient charged me a {$12.00} late fee on a federal consolidation loan. When I log in to my account summary it indicates that I owe {$190.00} on a private loan, {$0.00} on a fed consolidation loan that is on IBR, and {$12.00} on a second fed consolidation loan that is also on IBR. Each month it claims that I owe XXXX plus XXXX. Multiple times I have tried to pay the XXXX believing that it was the amount of my IBR on that loan. However, I noticed that every time I made a payment the amount continued to be the same. I looked deeper into the loan and discovered that the XXXX is a late payment fee and each time I made a payment of the XXXX as is indicated that I owed on the monthly due date, the payment would not go toward payment of the late fee and instead be applied to interest only, leaving the fee un paid. The next month the fee would continue to appear and be due on a particular date, and if I tried to pay it they would not apply it toward the fee. So I called, the agent stated that payments towards fees can not be applied until all interest is paid off and the fee is applied " on the back end of the loan '', and that I do not need to pay it and it would not be reported to the credit agencies. I stated that if I was not actually able to pay the XXXX until all interest is paid then the " payment due on the XXXX '' demand should be removed, since you are demanding I make that payment of the late fee on that date and when I do as requested the payment is not attributed. And if I do not have to pay the fee ( because technically I can't ) I demand that you stop misleading me by making it " due '' each month. The agent said they can not do that. So each month, they demand I make a payment of XXXX on the XXXX, when in reality I am only required to pay XXXX. This is misleading way to collect a debt and goes against my rights. This debt collector ( Navient ) is first misrepresenting the amount I owe on the monthly payment from {$0.00} to {$12.00}, second they can not control which debts my payments apply to. They attempt to have me pay the late fee and when I do so they use it to pay a different debt ( the late fee ). Even when I have called to attempt to pay the late fee they would not allow me to do so until " all interest is paid '', forcing me into an outstanding " debt '' of a late fee that continues to roll over each month on top of my $ XXXX monthly payment. | ||||||
| 02/05/2019 | Yes |
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| I've been paying student loans to Navient regularly for years. In XXXX I moved some money to a new savings account and updated my Auto Pay to the new account. Never in this process was I given any indication there were any issues. Today ( XX/XX/XXXX ) I noticed I had more funds than expected in that Savings account so I checked Navient and saw I was 'delinquent ' on the XXXX payment. When I went to the Auto Pay tab, there was no indication of what might have happened. My Savings account was still listed ( along with my the previous account which would have been able to accept the payment had they a 'backup account ' system, as many online payment systems have these days ). I called Navient and, after they read out my personal information ( address, name, phone number ) in a way that is in clear violation of security best practices, they told me that they tried to charge the new account, but my bank refused the charge. Turns out that I had used the account number system for the Savings account ( I used the Checking account structure vs. the Savings account one, which I didn't realize was a thing ). Navient 's response to the refused charge was to drop me from Auto Pay and send me an email with the subject " New document ready to view! ". Inside the email there is a big box saying : " Tax season is almost here. Starting XX/XX/XXXX, you can access your Form XXXX by visiting the new Navient.com ''. I assumed this was a tax email and ignored it. Now, I'm sure they aren't breaking any laws here, but the way the site is set up, and the way they deal with denied payments seems to be designed to make people fail. Why don't they verify that your account information is correct before letting you select them as the Auto Pay destination? Why don't they allow users to set backup accounts in case the primary fails? Why don't they title their VERY important e-mails with a more descriptive subject that communicates the urgency? Why don't they label or highlight the denied account in the Auto Pay section, rather than still list it as being selected for Auto Pay? There were so many ways for them to prevent my loans from going delinquent. Navient wants borrowers to fail. The Federal Government must partner with an institution that has a public mission, not a for profit company with a duty to it's shareholders to maximize profit at the expense of student borrowers. | ||||||
| 10/26/2016 | Yes |
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| After suffering through a period of unexpected unemployment I contacted Navient to attempt to get my loan back on track. I made arrangements to pay via a " XXXX pay '' program which would put my account back into current status after XXXX scheduled payments. I gave them my bank account information and assumed that that would be the end of it. The next day I started receiving phone calls saying that something had gone wrong. I was finally able to get in touch with them again the next week. I was told that the automatic payment needed to be setup again, so I did. The automatic payment apparently failed again, and I started receiving calls from them about this a couple weeks later. I know that the account information I provided was correct and there were funds in the account at the time. I suffered another financial set-back that put my bank account into overdraft shortly afterwards, so i had to wait to weather that before contacting them again. I tried calling back as soon as I knew when I had the funds available but I was told that unless I made a payment that day of XXXX $ XXXX would not be able to prevent litigation. I was then forwarded to a " XXXX '' who was extraordinarily rude and confrontational. I explained the fact that my autopsy had failed for unknown reasons and that 's i could make a payment in XXXX weeks. In response she accused me of fraudulently providing them an incorrect bank account number or not having funds in my account. She continued to berade me for my inability to " balance my checkbook '' even when I explained my financial hardship and recent unemployment and repeatedly accused me of fraud. When I requested to speak with her XXXX or any other superior she refused to allow me to speak to them and threatened me that they would receive a file on the pending litigation instead the next morning. When she did nothing other than continue to yell at me while I attempted to ask her about alternatives to litigation, I hang up and called their customer service number again. I stayed on hold for an hour before I had to hang-up to return to work. Navient seems to be unable to accept payments from my bank for unknown reasons, has XXXX who are only interested in berating customers who call to attempt to make their account current, and has wait times that make it impossible to get ahold of them during their office hours without missing work. | ||||||
| 11/27/2017 | Yes |
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| Navient has been my loan servicer by transfer from original lender ( XXXX XXXX ), since mid XX/XX/XXXX. I have been working at XXXX XXXX since XX/XX/XXXX. I am currently a tenured XXXX at XXXX XXXX XXXX, XXXX XXXX. In XX/XX/XXXX, I called Navient after hearing about Public Service Loan Forgiveness Programs ( PSLF ). After hearing my request as a XXXX XXXX, they placed me in a income-based repayment plan which would qualify me for PSLF. They said it would take ten years ( 120 payments ) to qualify for forgiveness. They informed me I would need to recertify my income every year to continue to gain credit towards the ten years, but gave me no further instructions or steps to take. My repayment plan started in XX/XX/XXXX. Every XX/XX/XXXX since then, as directed, I have called Navient to recertify my income and have asked them every time if this was going towards the PSLF. Since loan forgiveness for a XXXX XXXX was my reason for calling them in XX/XX/XXXX, I made sure with every phone call that I was on track. Every time I was explicitly informed that I was. In XX/XX/XXXX, after reading about fraud with lenders and this program, I wanted to make sure I was not being defrauded. I called Navient to ensure that I was still on track for PSLF, and for the first time informed I was not. This came as a complete surprise and devastation, since this was my original intent since XX/XX/XXXX to be a part of PSLF. They stated that I would need to have a Direct Loan, and that my loan type was not eligible. In XX/XX/XXXX, unlike what they were telling me, Navient never put me on track ( in this case inform me about a Direct Loan, ) towards PSLF. I have consistently been told by Navient that I was on the right track towards loan forgiveness ; however, five years into my loan, upon my pressing, was I informed I was not qualified because I had the wrong type of loan. I have talked to multiple people at Navient and the only recourse I have is to change my loan type, starting the clock back at XXXX ( versus the five years I thought I have paid towards PSLF ). Navient and their representatives have informed me that there is nothing they can do to give me credit for the five years I thought I was paying towards PSLF. Since this was information they have given me, I would like recourse wherein the last five years payment is credited towards PSLF in a qualified loan type. | ||||||
| 01/14/2019 | Yes |
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| After speaking with everyone at Student Assistance Offices including the Federal Ombudsman at the Department of Education, I am advised to contact this office. I do need your help. Despite being eligible for public service loan forgiveness and having paid my student loans faithfully for over 10 years ( since XX/XX/XXXX ), I am told I am disqualified because of the kind of federal loan I hadand had never been advised otherwise by Navient or by XXXX College. I recently changed over to a federal Direct Service loan but at this rate would be paying it until I am XXXX!! As you know in XXXX XXXX, salaries are not equal to what lawyer or XXXX grads make, even from XXXX XXXX XXXX. And XXXX XXXX employees do not benefit as some other professions do from wealthy employees contributing to or paying student loans in total for employees. In XX/XX/XXXX after working since XX/XX/XXXX in XXXX XXXX, I joined the XXXX of the first XXXX XXXX of XXXX XXXX in Massachusetts, at XXXX XXXX XXXX, in order to XXXX what I had learned in many years of practice. In order to stay on the XXXX, I was required to earn my XXXX and did so from XXXX College XXXX School XXXX XXXX XXXX, completing in XX/XX/XXXX. In so doing, I incurred Educational Loans which I was told would be partly forgiven due to my commitment to XXXX in a XXXX XXXX that serves low income students. After paying faithfully toward loan repayment, the legislation finally got passed 2 years ago for those XXXX in XXXX XXXX XXXX to qualify for loan forgiveness if they had XXXX in XXXX XXXX and paid loans for 10 years. However, what we were NOT told at the time we incurred loans and what was apparently not known until the legislation was passed was that only those who had a certain kind of loan- Direct Consolidation Loan- would be forgiven. I applied for loan forgiveness- having already paid the required 10 years to qualify for it- and was told I had the wrong kind of loan and would have to switch over and pay another 10 years. By now- at XXXX years old- I am about to retire. I have followed their advice and switched my loan to a Direct Consolidation Loan and see attachedand have been told I would have to pay 10 more years on this loan to be considered for loan forgiveness. This means with additional interest that they have attached, I would be paying $ XXXXmonthly up until XX/XX/XXXX! That would be my XXXX birthday. | ||||||
| 09/27/2023 | Yes |
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| I have attempted to have repayment plans with Navient multiple times now. I was on an auto payment plan with Navient that was charging up to XXXX a month. I begged them for lower but they refused. My payments suddenly stopped in XXXX of XXXX. I called them in XXXX when I noticed. They claimed in XXXX that I am under a " emergency forebearance ''. There is no emergency in my area or my co-signers area. The caller refused to explain or remove the forebearance. I told her I just want to make my monthly payments. She said she would get it removed. She told me everything with my payment plan was fine. One month later, no payment is processed again. I called Navient XX/XX/XXXX. I spoke to another person who claims I have no payment plan and my payment isnt due until XXXX. I asked her to explain to me why my payment plan stopped and she won't give any information. I received a letter in the mail that said the forebearance was gone so my payment plan should resume. She says I can't be on the same payment plan for XXXX because of my " credit ''. I asked her multiple times to explain this to me specifically. My credit score is fair. She demands I have to now pay XXXX a month. I asked her again why cant I pay what I have been paying. She keeps claiming " credit '' but refuses to explain. I asked to speak to someone else because she is refusing to help me. She brings on someone else who tells me that they have no obligation to help me, work with me or to try to help me lower my payments. She refused to explain why my payment changed from XXXX in XXXX to now them wanting XXXX dollars. She told me to have a good day so I hung up. I don't understand what happened, what changed and why wouldn't they just continue my same plan? Why is it unreasonable for me to call and ask? I had been paying them on time every month since then. Now because my jump in payments I am behind. I went onto Navient 's website and they had a repayment plan for XXXX. This is cheaper than what she even said. None of this makes any sense, this company is completely disorganized. I am on XXXX for XXXX and get one paycheck a month. I don't understand why they can't work with me and allow me to continue paying XXXX a month and they refused to explain it to me over the phone or in writing. Instead, they not only refuse me, but gaslight me then insult me and make me even more concerned. Unprofessional. | ||||||
| 08/04/2021 | Yes |
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| Pioneer Credit Recovery contacted me, the consumer in XXXX about an alleged student loan debt that I was informed that was transferred to from XXXX XXXXXXXX XXXX. Once I received initial notification regarding this alleged debt, I immediately sent the company a cease and desist and a debt validation stating according to the FDCPA 15 usc1692b and 15 usc 1692 c ( 2 ) and c ( 3 ) that I as the consumer did not give written express consent for Pioneer Credit Recovery to contact me about an allege debt and I invoke my specified remedy to not pay an allege debt that Pioneer Credit Recovery is attempting to collect. Pioneer Credit Recovery was sent numerous letters stating that I am the original creditor and I do not owe any debts. Pioneer Credit Recovery failed to respond under penalty and perjury that this was a VALID debt. Pioneer Credit Recovery continued to send false and misleading letters in the mail which violates the FDCPA 15usc 1692e, Pioneer Credit Recovery made calls to my place of employment and asked the secretary at the front desk, did I work there because they were going to file a letter for wage garnishment which they are in violation in 15 usc 1692b ( 1 ) ( 2 ). In XXXX XXXX Pioneer Credit Recovery sent false documents to my job and requested wage garnishment which is violation 15 usc 1692c ( b ). In XX/XX/XXXX, my job started sending Pioneer Credit Recovery a percentage of my monthly pay which is violation 15 usc 1692d ( 1 ). AS OF XX/XX/XXXX, Pioneer Credit Recovery is in violation under the FDCPA 15 usc 1692 ... XXXX for identity theft for sending false and misleading documents with my information on there that a debt is owed which is violation 15 usc 1692e ( 4 ). Pioneer Credit Recovery is reporting on my consumer credit profile that this debt is being handled by wage garnishment which is violation 15 usc 1692e ( 10 ) and Pioneer Credit Recovery violated 15 usc 1692f ( 1 ). Pioneer Credit has caused damage to my consumer credit profile and has defamed my credit score. Pioneer Credit Recovery also stated that I am a borrower which the term " borrower '' is not defined or mentioned in the FDCPA which is a violation under federal law. I, the ORIGINAL CREDITOR AND consumer is requesting Pioneer Credit Recovery to pay {$30000.00} to the consumer and a {$1000.00} for each violation or the consumer will be forced to place this case in federal court. | ||||||
| 05/25/2018 | Yes |
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| I have a large amount of private loans through Navient, in which originally began 10 years ago when I started my XXXX degree. I am currently finishing my XXXX XXXX, however ran out of " deferment period '' due to being in school too long. I have had to pay Navient a series of {$150.00} every three months to place my loans into forbearance status until I graduate with my second degree and am able to make the payments. My loans were set up to enter repayment on XX/XX/XXXX if I did not pay an additional {$150.00} to place them in forbearance for another three months. I called customer service on XX/XX/XXXX, spoke to customer service, paid the {$150.00}, and was emailed confirmation that the payment was successfully processed. However, Navient did not process the forbearance request and on XX/XX/XXXX, a total of {$590.00} was deducted from my checking account, causing my checking account to overdraw and leaving me with {$140.00} in overdraft fees ( a total of {$740.00} taken from my account, unauthorized ). I did not discover that Navient processed the payments until XX/XX/XXXX, and immediately called them where the representative refused to allow me to speak to a supervisor and simply stated that the forbearance was not processed the previous week as it was supposed to be, but she would do it immediately. I went through the motions of the questions to place the loans into forbearance again, and got the confirmation that it was successfully processed, again. The representative stated that the funds " should be '' returned to my account in 3-4 business days, however she could not verify if it would, in fact, be refunded. If it was not refunded, I could then call back and complete a refund request with a supervisor, but could not speak to a supervisor until that time. In addition, I provided them documentation that my checking account was overdrawn and I was charged {$37.00} for each loan ( 4 loans total ) as overdraft fees, totaling {$140.00}. The statement that I was provided from my bank had shown 3 of the 4 loans resulting in an overdrawn fee, and they placed the 4th fee on another payment that was made the same day that was authorized. Consequently, Navient would only pay {$110.00} of the overdraft fees and would not be processed in my account for 10-11 business days. Over the course of the past five years, I have had nothing but problems with this company. | ||||||
| 07/07/2016 | Yes |
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| My loans were placed into deferment without my approval or knowledge. I logged into my loan servicing site, Navient, to make my normal payments for the month of XXXX and discovered that all of my loans both private and federal had been placed into deferment. I never received any communication or request for approval for this to happen. I called Navient to try and resolve the issue, requesting that all of my loans be taken out of deferment and returned to the normal payment schedule I was previously on. My concern was, since the loans were placed into deferment, interest would begin to accrue and further more be capitalized into my principal. I made it clear in my initial call that I wanted the loans out of deferment, and to return to my normal payment schedule specifically to avoid any interest being capitalized. I was informed that my loans were removed from deferment and that I would be able to make my normal monthly payment for XXXX. I then proceeded to make my normal payments as I had done previously. Then in XXXX, when I logged back into my account to make my payment for that month, not only did I notice that I had not been returned to my normal payment schedule, Navient had also capitalized approximately {$100.00} worth of interest, despite me having made my normal payment for XXXX. I called again to have this straightened out explaining that I was to be returned to my normal pay schedule for XXXX and that the payment I made should be applied normally to avoid any interest capitalizing. I was told that nothing could be changed because the payment cycle had ended. When I inquired as to why my loans had been placed into deferment in the first place without my knowledge I was told that this was a federal requirement. This seemed suspect to me, especially since neither myself nor my cosigner received any notification. I again requested Navient return me back to my normal pay schedule for the month of XXXX. After speaking with both a representative and a manager, I was assured that I had been returned to my normal schedule. To date, my payment is due on XXXX XXXX and my account still does not reflect my normal payment schedule as requested. Additionally, none of the capitalized interest has been removed despite having continued to make my normal monthly payments. As a result, my monthly payments due has now increased because of the capitalized interest. | ||||||
| 11/16/2018 | Yes |
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| I'm resubmitting this complaint because you have not investigated but provided a canned answer 1 ) THE CALL I RECEIVED WAS NOT ABOUT MY LOAN 2 ) STOP CALLING ME ABOUT A LOAN THAT IS NOT MINE 2 ) STOP CALLING ME AT THE NUMBER YOU CALLED FOR ANY REASON. As you know, if a consumer says, " stopped calling me '' you have to stop, and again, you were not contacting me about my loan. In your response you said my loan ( yes I have a loan with you, but again, the call WAS NOT ABOUT MY LOAN ) is past due - IS NOT ACCURATE. Again, after using abusive language your representative determined that she called the wrong person. Investigate this and do not provide me with another canned answer. Here is the original complaint. -- -- -- On XX/XX/XXXX and XXXX I received calls from Navient to my business line. I returned the call on XX/XX/XXXX and realized It was Navient 's attempt to collect a debt. While I do have student loans with Navient they are being paid and not in default. I was previously contacted on my business line on XX/XX/XXXX about the debt. I went through the prompts and the woman realized that they had called the wrong person. I asked her to not call my business line again and she obliged. So when I got the call in XXXX I was surprised. When I spoke to the woman I immediately said, I asked you not to call this line. She immediately went on the attack and threatened to sue me ; I explained to her that I'm not even who she was looking for. Again, she used very abusive language but when she went through all the identifying information, she realized ( as I tried to tell her ) it wasn't me she was looking for and then she hung up. I called Navient customer service to complain and ask that my business line not be called. Apparently they have no real process for this and could not identify who to call. They said call the person who initially contacted you. It was a direct dial to that person so I'm supposed to complain directly to the person that's the issue? I was told to leave a message asking for a manager to call me back. I've been calling for a week with no answer and no response. I want them to 1 ) not call my business line 2 ) stop calling me about a debt that's not mine 2 ) be fined for continuing to call a number I asked them not to. The person at issue is XXXX XXXX or XXXX her direct dial is XXXX. I spoke to her the morning of XX/XX/XXXX around XXXX. | ||||||
| 10/26/2017 | Yes |
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| A letter dated XXXX XXXX, XXXX from XXXX XXXX stated that a small change in the amount of {$2500.00} was assessed to my account, see Letter pg 1 PDF. Upon receipt of this letter I called XXXX XXXX and spoke to a man that looked up the coding and stated it was for an insurance premium. During that time, I had experience working as a small-business XXXX XXXX and understood that as much as lending is about lending, it is also about selling insurance. The borrower would have to understand and accept the purchase of insurance that would protect the lender in the event the borrower died, became disabled, or couldnt pay. Now, I was not asked to purchase an insurance plan on myself, I did not give XXXX XXXX permission to purchase an insurance plan on my behalf. I called XXXX XXXX again and I asked for more detail on the insurance plan and the woman on the phone couldnt give me any information and said she couldnt see any insurance notes and stated the amount is related to an agreement found within my promissory notes. I must have requested a log of activity because I received a letter dated XXXX XXXX, XXXX from XXXX XXXX that detailed previous transactions on the account, see Premium XXXX pg 1 PDF. The {$2500.00} insurance premium was listed within this letter and was applied to my loan principal on XXXX XXXX, XXXX, see XXXX XXXX pg 3 PDF. It never seemed right to me that I had paid for an insurance plan I had no clue what it actually covered, let alone, any details about the plan at all. In the event, should I become disabled, could I claim disability and know that my insurance plan would pay for the remaining balance on the loan and relieve me of my debt obligation? Am I paying annual premiums and dont even know about it? If this insurance plan adjusted the risk associated with my account, then why hasnt my interest rate decreased? I called the Texas Department of Insurance on XXXX XXXX, XXXX and spoke to XXXX. She asked me who is the provider, who is owner of the loan? I did not know who owns my XXXX XXXX loans. I did know XXXX XXXX was the servicer, but XXXX wasnt able to help me given that information. My question to XXXX XXXX is - What exactly is the insurance plan for and why did I pay for it? Can I have a copy of the insurance plan? Also, another question for XXXX XXXX - Who owns my loans, and can documentation be provided that can prove ownership? | ||||||
| 01/26/2017 | Yes |
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| I paid in full my loan they even sent me a letter in the mail saying congrats you paid your student loan in full.This was in XX/XX/XXXX with the Department of Education /XXXX then all of the sudden I get changed to Navient an account that does not make sense because I had applied for forbearnace and they gave me until XX/XX/XXXX to pay .I did not have a good job back then so I had to ask for something like that.Once I found the job in XX/XX/XXXX I paid it everymonth and I paid it all in full in XX/XX/XXXX they sent me a letter telling me that since I was in good standing that I could use them again.I havent but all of the sudden the last payment that I made XXXX dollars keeps showing up in my credit report I provided each information to each credit agencies but the one that keeps hitting me with the account is XXXX this has made my like impossible and I am in good standing I paid up I even serviced my country through XXXX they gave me a XXXX with a little more than XXXX and I paid with that the amount remaining.I sent that to XXXX because it appears XXXX times stating there was late payments in XXXX different account closed and those are XXXX , XXXX department of education , Navient Department of education.They are the same account only that in XXXX its there in different accounts as closed in XXXX and Navient is not it states that I still owe the XXXX dollars in XX/XX/XXXX note I paid it in full in XX/XX/XXXX.I have all this information I want to file a law suit this has me to not get good jobs having to find work in areas that I should not be because I have an education.I am sick of this ruiing my job opportunities and purchasing a home or buying a car that I so desperately need for my XXXX son.I cant even get a cell phone.This not fair I paid up and I do want to sue this company as I am noticing its just not me not so many people be saying the same lie. By the way the college I went to XXXX XXXX XXXX closed down for fraudulent paractices as well.I sometimes wonder if there is any justice or wether or not their is an honest company left in this world.My husband died he was a veteran and they never gave me that loan as an option for me either started wrong with wrong school ended wrong with wrong Education Loan repayment company that want to stiff people off their hard earned money.I owe nothing stop charging me and get that off my credit please Navient. | ||||||
| 07/05/2018 | Yes |
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| XX/XX/18 I called in to Navient to discuss options concerning a payment. I explained that terms of the loan have gotten out of hand due to excessive forbearance that has been continually pushed by Navient. I reluctantly used this option in the past as a way to stop credit reporting as I continue to attempt to build my credit. I was expecting some sort of deal that would stop credit reporting and what i was offered was a program that " may '' end up dropping my rate. I explained that I needed a lower payment as this payment is currently out of my budget. The response of the two representatives I spoke with was appalling. The first lady I spoke with insisted that I make a payment towards the past due balance now. I questioned her as to how the credit reporting would go. She claimed that it would report 30 days less then what is reporting now. I questioned her on the original amount of the loan and how it has doubled. she claims that excessive forbearance is the reason. When I told her that I would need to call back when i am able to make a payment she questioned me about why I needed to call back and why I couldn't give her an account number to " post date '' now. I explained that i did not know which account i would be able to use so I was comfortable doing that. She became irritated and sent me to another representative to " check the account '' for me. The next representative apparently thought she would shame me out of the money. After i explained that I didn't have the payment she began interrogating my as to where my money was and why i couldn't pay. After about ten minuets explaining my situation she begins making the most rude and unprofessional comments. " Well how's the new truck, the truck you got in XXXX. '' " I explained to her that its great I am able to get my family around and get to work everyday. '' I proceeded to ask why she thought it was necessary to speak to me as if she had personally given me money to pay Navient back. She continued to push and ask why no payment has been made since XXXX, to which i respond I have been stuck between a rock and a hard place, and I really don't appreciate your professionalism when it was me that called in to rectify the situation. After an hour long, conversation I was frustrated to the point of hanging up the phone, I do now wish to deal with Navient and their scams or unprofessional representatives. | ||||||
| 05/04/2017 | Yes |
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| I graduated and consolidated my loan started paying on my loan consistently starting XXXX XXXX . Never made a late payment. XXXX XXXX -I called Navient to get information on the Public Service Forgiveness Program a coworker mentioned to me the program existed. The representative from m Navient explained to me the stipulations, terms of the program are the following- to pay on time 120 payments and work for a non profit organization. She checked my employer { same employer I have had since XXXX }. Stated the employer meets the criteria of non profit. I asked if Navient would consider ALL my payments I have made since XXXX XXXX . She stated yes they would go as far back as XXXX XXXX and consider those payments toward the 120 p ayment that are required. She stated to continue paying as I have. Since, I am approaching th e 120 p ayment mark I started the process to forgive the loan. I contacte d Navient fo r information XXXX XXXX . They directed me to Department of Education. I spoke with a representative there who directed me to get the form online. I completed the application and employer validated. I sent in the form early XXXX XXXX . I just received XXXX XXXX , XXXX the denial letter with the reason being based on the type of loan. I called Navient XXXX XXXX , XXXX spoke wit h two representatives who apologized for the miss communication but made no effort to come up with a resolution. I spoke with a supervisor at Navient w ho mentioned he would file a compliant on my behalf. He stated with the compliant I " may '' be able to have my previous payments considered. All reprentsatives at Navient mentioned I would still be able to qualify by consolidation and paying for anothe r 120 payment. I spoke XXXX XXXX , XXXX to a representative from Department of Education. She stated the full process of what needed to be done. I needed to have consolidated as a Direct Loan -she even mentioned I should have been explained the process when I consolidated but I do not recall ever being told anything. I have worked public service since XXXX so I would have taken the opportunity to enroll in the program right away had I know about this. Even if I was explained the process in XXXX I would have enrolled at that time as well. Since I was told they would consider as far back as XXXX I continued to pay never late. | ||||||
| 02/13/2021 | Yes |
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| In XX/XX/XXXX I sent a dispute request to XXXX regarding late payments and balance inaccuracies that were being reported on my credit report from Navient. Although I sent XXXX a copy of my credit report highlighting the inaccuracies, XXXX did the investigation and advised the inaccuracies were correct. How is this possible when : FCRA STATES ALL INFORMATION MUST BE ACCURATE. HOW CAN NAVIENT REPORT DIFFERENT BALANCE INFORMATION & SAY ITS CORRECT?? On XX/XX/XXXX, the office of Federal Student Aid began providing the following temporary relief on ED-owned federal student loans : suspension of loan payments, stopped collections on defaulted loans, and a 0 % interest rate. On XX/XX/XXXX, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) became law, providing for the above relief measures on ED-owned federal student loans through XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. Navient reported me late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. How could I possibly be late if the FEDERAL GOVERNMENT SUSPENDED ALL FEDERAL STUDENT LOAN PAYMENTS & INTEREST. How could I possibly be 90 days late on any payment if I was NEVER 30, or 60 days late prior or no notice of me being late was ever SENT TO ME. NAVIENT WAS SUED IN XXXX What is the Navient lawsuit? The U.S. Consumer Financial Protection Bureau and the Illinois and Washington attorneys general sued Navient in XX/XX/XXXX. Pennsylvanias attorney general filed a suit in XX/XX/XXXX. The California and Mississippi attorneys general filed suits in XXXX and XX/XX/XXXX, respectively. Among other things, the CFPB alleges that since at least XX/XX/XXXX, Navient has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. So how were you able to verify these inaccurate late payments are correct?? Where is the proof | ||||||
| 01/24/2017 | Yes |
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| Hi CFPB -- here 's the letter I wrote to Navient this evening : XXXX XXXX 2017 To the Navient Advocate -- My ex-wife and I, before we were divorced, consolidated our student loans in a spousal consolidation program then offered by the government. We were told it would mean we pay a lower amount over the long-term. For whatever reason, my name was put first as the primary loan holder, so the combination of our XXXX student loan debts shows as over {$130000.00} in my name. Because of the consolidation, I do not qualify for any of the income-based repayment or forgiveness options available anywhere. There is no exit strategy for this -- no way of undoing the spousal consolidation, even though we are now divorced. I have spent my career for the last 16 years XXXX. My Navient payments keep going up and your staff offers no sufficient explanations for why this is. In a call on XXXX XXXX, 2017, I was told the loan would be paid off after XXXX payments at {$720.00} per payment. I received a notice in the mail today -- barely three weeks later -- that the loan would now be paid off after XXXX payments at {$740.00} -- an increase of nearly {$20.00} per month. I have been on the phone now with your service center, waiting for an answer, for over half an hour. Plenty of time to write this letter, a copy of which I will be sending to the Consumer Financial Protection Bureau ( CFPB ). Interestingly, the CFPB is suing Navient because the company : & gt ; created obstacles to repayment by providing bad information ; & gt ; processed payments incorrectly ; & gt ; failed to act when borrowers complained ; & gt ; illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; & gt ; deceived private student loan borrowers about requirements to release their co-signer from the loan ; and & gt ; harmed the credit of XXXX borrowers, including XXXX veterans I 've also read up on your CEO, and he fits the profile of the usual corporate crook, finding a way to maximize yield for investors through a business model that financially exploits middle class people who do not have expandable monthly budgets. I am one of those people. My first call tomorrow will be the Consumer Financial Protection Bureau to see what they can do for me. In the meantime, what solutions do you have to offer? XXXX XXXX | ||||||
| 10/18/2018 | Yes |
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| I graduated in XX/XX/XXXX and began repayment of my loans. After some challenges, I was no longer able to make the monthly payment. I often communicated my struggles with Navient and kept them up to date on my status. I was informed I was not eligible for a forbearance and even with a lowered monthly plan I could not afford the rate they quoted. In XX/XX/XXXX I inquired with Navient if they reached out to my co-signer to determine if she was able to make the payment. At that time Navient informed me my co-signer was released in XX/XX/XXXX. I why was she released I never applied for a co-signer release and the Navient representative XXXX XXXX told me " We don't have to discuss that with you. '' On XX/XX/XXXX I reviewed the Navient co-signer release application and followed up with Mr. XXXX via email asking him again, why my co-signer was released without my knowledge as the application clearly states " Only you, the borrower, can apply for cosigner release. '' Additionally attached a copy of the co-signer release application from the Navient website and I informed Mr. XXXX " I have NOT EVER completed the attached application, I did not provide any of the required supporting documentation, nor did I meet the specific requirement of " My request will only be considered if I have demonstrated a satisfactory history of making 12 consecutive, scheduled principal and interest payments immediately preceding my cosigner release application submission and in accordance with the requirements of my loan ( s ) '' that is listed on the application. '' Additionally, I asked Mr. XXXX, where can I find a copy of this completed co-signer release application form that was submitted to have my co-signer released? Why was it authorized without me, the borrower 's request, my knowledge of it occurring, and without me meeting all the requirements of eligibility for the co-signer to be released? Mr. XXXX never provided me with a response to my questions. I followed up with him again on XX/XX/XXXX and he still refuses to acknowledge or respond to any questions regarding the release of my co-singer without me being the borrowers request or me meeting the eligibility for my co-signer to be released. There are no documents uploaded on my Navient account regarding the release of my co-signer and I was never sent any information in the mail regarding the release of my co-signer. | ||||||
| 01/17/2021 | Yes |
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| Complaint sent to ombudsman for Navient. Re : Navient Student Loan Servicer. Please let this serve as a formal complaint of Navient due to the following circumstances. I initially applied for and received a student loan in XXXX to attend school from XXXX to XXXX. I graduated in XX/XX/XXXX. Payments were initiated sometime in XXXX. Of major concern, the loan amount being reported by Navient could not possibly be correct. This is based on known payments made and records that I have. Payments were made up until I filed Chapter XXXX Bankruptcy due to financial hardship in XX/XX/XXXX. I have since then completed my payment plan in XX/XX/XXXX. From communication with Navient in XX/XX/XXXX, I was given a balance of approximately {$74000.00}. It was acknowledged that they had received approximately {$17000.00} from Chapter XXXX trustee. However, I was told it had gone to interest payments. I inquired about payments made to loan prior to filing bankruptcy. I was told that, the loan had been consolidated in XXXX and the balance was {$65000.00} and that Interest of {$8500.00} was added bringing the balance to approximately {$74000.00}. I inquired about payments made prior to consolidating loan. I was informed no records were available because it was someone else handling the loan at that time. From communication with XXXX at Navient on XX/XX/XXXX, it was acknowledged that {$20.00}, XXXX had been receive from the Chapter XXXX trustee. However, balance was still listed as approx. {$74000.00}. The additional {$3000.00} had not been credited to decrease balance. After addressing my concerns, I received a response from XXXX XXXX at Navient. Transaction record was sent and a formula attempting to explain the extraordinarily high interest rate. However, none of these numbers listed a balance of {$74000.00} or gave any justification of this balance. Before deciding on additional actions, I must demand the following from Navient : 1. Record of all payments received. 2. Full disclosure of total amount of interest charged. Other information may be requested based on information received. PS : I have a statement from XX/XX/XXXX, showing a balance of approximately {$43000.00}. Several payments have been made over the last 10 years. From information received from Navient, there was a balance of approximately {$25000.00}, in XXXX prior to loan consolidation. | ||||||
| 02/28/2018 | Yes |
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| I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX while I was living in XXXX, Alaska. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is : Education Loan Number : XXXX XXXX XXXX in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX XXXX XXXX | ||||||
| 04/05/2017 | Yes |
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| I called Navient on XX/XX/2007 to ask if I can allocate my payment of {$800.00} a month to aggressively pay my two higher interest loans of 15 % and 11 %. They said I could and that I was able to do it on the site. I also asked if they could work with me on lowering my interest with these loans since I 've been making on-time payments for over a year. They said they could not negotiate. I explained that I am working XXXX jobs 7 days a week to try and afford my payments of {$800.00} and wish the payment would concentrate more on the higher interest loans. The monthly interest alone on these XXXX loans add up to {$400.00}. I financially planned to pay off compounding interest only on my other XXXX loans and to allocate the rest of the {$800.00} dollars to the other XXXX. Which is what I did online. It was simple. However, after the period closed, my loans were past due. I called Navient again on XX/XX/XXXX to clear this up. The representative named XXXX was very unhelpful. I told her that the previous representative misled me and if I would 've known that this would happen I would n't of done it. After an hour of unsucessfully talking to her ( of which I asked several times to speak with someone else ) she said that they would reallocate my payment to bring my account current. Then she surprised me by saying that I would still be {$40.00} delinquent which baffled me. I told her I payed {$800.00} which is what my bill said online. Where is this {$40.00} coming from. She could not explain. I told her that why would they say on the site what my payment should be if it 's not what it truly is? She could not explain this. Again I told her they are misleading and malicious. They are not willing to work with me. I have a full time career and a weekend job just to live and pay these ridiculous bills with interest so high I am buried in capitalized interest. After the phone call over a week ago I am getting phone calls informing me that I am delinquent. I 'm not even sure if they re allocated my payment to make it current because it has not shown on my account and I am getting voicemails while I 'm at work. The representative could not help me. It 's a dead end. It does n't help that she did not speak good XXXX and continued to contradict herself and misinform me. Navient has not made an effort to help me with my loans despite my good standing and pro-activity. | ||||||
| 06/11/2017 | Yes |
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| Company ( Navient ) is non-responsive and has requested duplicate documentation- numerous times over the last 12 months in an effort to stall and let my account go delinquent. I have continued to make monthly payments based on US Department of Educations Laws and guidelines. This is based on the max. percentages allowed of borrowers discretionary income and on current income documentation provided to Navient with a New Income based repayment form.. Last request/response from Navient : Navient stated that my XXXX tax return was no longer a valid form of income verification because it was now outside the first Quarter of XXXX ??? This form of income verification was used and additional documentation ( example : former employers verification of date when job was lost ) which by the way has now been over a full year ago. Yet Navient continues to place obstacles in my way to utilizing a Income Based Repayment plan. They have offered deferment ( numerous times ), which is not a good choice, because all that accomplished is a few months delay on your payments and then they resume ( with additional interest charges ), Navient avoids at all cost, offering what the US Department of Education endorses in repayment plans. Including the Income Based Repayment Plan. Last request from Navient was for pay stubs and a New Income based form. All this documentation was down loaded ( XX/XX/XXXX ) per their secure website and since I sent the documentation they requested, they have gone silent ( current date XX/XX/XXXX ) or 5 days since they received the required new income documentation. No response- no adjusted repayment plan-nothing. In researching a reason this was occurring, I found where the CFPB is suing Navient for exactly the same issues/problems that I 'm experiencing. I lost my job in XX/XX/XXXX . It is now XX/XX/XXXX . My student loan payment is {$1300.00} per month and represents over 96 % of my decresanary income? This is a violation of US Department of Education Laws and no adjustment has been made in now over a year of trying to work with Navient. This includes sending the same income verification documents 4 times. I have notified the Attorney General of the State of Georgia and other legal and Government organization and agencies and am supplying them with all the correspondence ( and dates ) that and if I receive from Navient going forward. | ||||||
| 04/22/2022 | Yes |
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| In the past I have written to XXXX XXXX, XXXX XXXX, Department of Education, and the XXXX XXXX XXXX. In all my efforts to obtain resolution I have failed. I borrowed roughly {$10000.00} in XXXX loans from XXXX. I did rehabilitate my loans and have been paying for 28 years now. I have paid already more than {$28000.00}. I am almost finished. Yet, I am not finished with the fight. I was an incarcerated individual for a period exceeding 10 years. During that time I was sent many many bills from Sallie Mae which is now Navient. Though I was pushed into forbearance and financial hardship conditions, never was I told that I couldve applied for public service loan forgiveness as I was incarcerated and working the entire time. It would have been an impossibility to make payments and continue correspondence with the company. During incarceration there a long stretches where an individual makes anywhere from $ XXXX {$.00} an hour. It would take months just to buy a book of stamps. Though my life has completely changed and I have achieved a successful status Im still facing debt with the embattled Navient company. On the Internet I found terms that state, from federal student loan.org-the government will write off loans if the borrower is to be incarcerated for a period exceeding 10 years and the debts can be reinstated when the individual is released. I was never informed of this condition and my loans were sold from company to company before landing with Navient. I watched the interest to get capitalized and fees accrue while I remained helpless. I am confident there is more than just me that face this. And, it is an incredible burden to be faced with as soon as you step out of a long-term incarceration. I should like to see this group of people get some resolution where college debt is concerned. Currently, there is much talk about loan forgiveness and pause in payments, but no one talks about those who have paid the price and changed their lives. It has been personally, as if I am being punished forever and I dont think thats fair. Im confident that I am not alone. And I am also confident that no one has yet addressed this group of indebted folks. Please, take the time to look into this kind of situation and if you need any of my records I have saved everything. Feel free to contact me. Thank you for your time. I appreciate your attention to this matter. | ||||||
| 04/05/2017 | Yes |
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| Navient continues to say I owe a XX/XX/XXXX payment of {$560.00} that I paid. It was not due until XX/XX/XXXX, but posted on XX/XX/XXXX. The XX/XX/XXXX bill reflected a past due amount of {$550.00} with a total amount due of {$1100.00} I called the company on XX/XX/XXXX or XX/XX/XXXX and explained the payment had been made. The representative insisted I send proof to fax # XXXX. I went to the bank, where the bank manager said the check had been processed electronically, so she gave me bank proof of payment to Navient of {$560.00} which posted on XX/XX/XXXX. Then I became confused when the Navient representative said my bill group # is XXXX???? That has NEVER previously been my group number and if it has changed, why was n't I notified? I wrote the usual Account and/or Group # s as they appear on my bill and I have NEVER previously had a problem. I pay my bill promptly and regularly every month. I received a call from Navient, when I was not home on Sunday, XX/XX/XXXX. I assume that was a collection call. I called the company again on Monday XX/XX/XXXX, and my payment had still not been corrected and credited. Later that day, I received a letter from Navient COLLECTIONS department demanding the XX/XX/XXXX payment. I called that department at XXXX. I originally spoke with " XXXX '' but that call disconnected. I called again and spoke to " XXXX '' # XXXX who initially told me she could see where a {$560.00} payment had been made, but it had apparently been miss-applied. She then said I would have to wait until after XX/XX/XXXX to allow for the adjustment to be made. She also said she would roll back collection calls. Why could n't she just stop those calls, since even she could tell the payment had been made? She then supposedly consulted with someone else who said the correction would be made in 2-3 days. Why? I need it corrected now! I mailed the XX/XX/XXXX payment on Saturday, XX/XX/XXXX ... 4 days after the fax proof of XX/XX/XXXX payment had been sent. The correction has yet to be made. I am now afraid the XX/XX/XXXX payment could mistakenly be applied to the XX/XX/XXXX payment and now Navient will say I have not made that payment. That will then propel me into a spiral cycle of nonpayment. I have also received three emails demanding XX/XX/XXXX payment on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is harassment. I have uploaded documentation. | ||||||
| 02/28/2018 | Yes |
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Web | Servicemember |
| I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX while I was living in XXXX, Alaska. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is : Education Loan Number : XXXX XXXX XXXX in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX XXXX XXXX | ||||||
| 04/08/2016 | Yes |
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| My original consolidated loan was {$42000.00}. In hard economic times as I fell behind in my payments I would get calls in the morning, afternoon, evening and even wee hours of the night from extremely rude individuals from the other side of the world. I was called a deadbeat ( imagine that with a XXXX accent. Against threat after threat of default and the devastation that would ensue I was convinced to defer ... defer ... ..defer. A move that would add outstanding interest into the loan amount and assault me at 8 %. My current loan balance is {$140000.00}. I wrote the executive level of Then Sallie Mae and I received a phone call from a woman ( her name escapes me ) who told me regarding the tripling of my loan in interest ( by the by, I am paying interest on interest, on interest at this point ) " XXXX, it 's like paying off a house mortgage. '' Baffled by her ignorance I replied, " Hence you get to XXXX me in interest for the rest of my life and I have nothing to sell to retire on ''. I entered the IBP program with the understanding that 10 in years ( as described by a Sallie Mae employee ) I would be eligible for " forgiveness '' : On a yearly basis I would call in to reapply for IBR and would reconfirm that I was a year closer to the ability to apply for " forgiveness ''. Last year, as I approached my 10th year of IBR, when I called in for the application for IBR I asked the associate how I start the forgiveness process. She confirmed that I was at the cusp of being able to apply and that she would send me the application and forms to fill out via email. 2 days went by now email. A week went by no email. I called back and again was told I would receive the forms via email. Once again, no email. After months of phone calls and finally reaching the office of the advocate ( who quite frankly only advocate for their CEO ) I was told, very rudely, that I was in a 25 year IBR program and basically I was an XXXX for not knowing that. I assume you can imagine my disdain for Sallie Mae, XXXX or any other predatory lending institution that hide behind legislation to interest XXXX American citizens with deceit and hard interest rates. Of course to add insult to injury, I earn slight too much annually to write off my interest paid on my annual taxes, the amount is a ridiculously low threshold for thse of us living in XXXX. Thank you for listening. | ||||||
| 12/13/2021 | Yes |
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| In XXXX, XXXX, my husband and I decided to refinance our home while the rates were low. One of the things we wanted to do was to payoff my student loan. During this process, our lender checked the balance of my student loan so that the amount could be added to the cash out portion at closing. In early XXXX, XXXX we closed escrow. The title company sent a check dated XX/XX/XXXX, in the amount of {$31000.00} to be paid to Navient for my student loan. Because I have had difficulty with Navient in the past, I called them on XX/XX/XXXX to pay off my student loan through ACH. During my conversation with the customer service rep, she informed me that interest had accrued in the amount of {$210.00} since the last payoff amount quoted to our escrow company. I paid the {$210.00}, as well as the {$31000.00} on XX/XX/XXXX. I confirmed with customer service that because I was making these payments, my account would be paid in full with no more interest, she said correct. On XX/XX/XXXX, I received notification that the title company 's bank rejected the ACH stating that they do not accept ACH payments. After a couple of weeks of voicemail exchanges, I was able to get to the right person at the title company who informed me that she would email me an overnight label so that I can mail the check to Navient. On XX/XX/XXXX, I called Navient to get the payoff department address, as well as to see how much interest had accrued since XX/XX/XXXX. I was told that I still needed to pay {$54.00} to cover the interest that had accrued. On XX/XX/XXXX, I called to make sure the check was received, and to pay the final amount of {$54.00}, and I was told that my account was paid off. The next communication I would receive would be that my account was paid in full. On XX/XX/XXXX, I received a notice from Navient that my account was still short in the amount of {$54.00}! This is not correct. My Navient account shows a XXXX balance. It also shows that payments were made on XX/XX/XXXX for {$210.00}, XX/XX/XXXX for {$31000.00}, and a final payment of {$54.00} on XX/XX/XXXX. These payments reflect the timeline of events as they occurred. I do not understand their accounting, nor do I believe that I still owe this company any money. My account must have still been accruing interest, which I was told would not happen. At this rate, I will keep owing Navient money indefinitely. | ||||||
| 06/06/2020 | Yes |
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Web | Older American, Servicemember |
| I completed and mailed income repayment plan ( IBR ) documents and verification of Social Security and XXXX benefits to Navient on XX/XX/XXXX. I received a letter from Navient on XX/XX/XXXX. I called Navient to ask why they can not accept our verification of retirement income benefits. XXXX, a Navient IDR agent, informed me that our documents were not acceptable because they were not current. Although, my husbands Social Security verification letter was dated XX/XX/XXXX and my Social Security verification letter is dated XX/XX/XXXX both letters show our current benefit amounts and that these amounts have not changed. Documents I submitted clearly show that I have been receiving monthly Social Security Retirement benefits in the amount of {$1700.00} starting XX/XX/XXXX and that I will begin receiving {$1300.00} after taxes have been deducted on or about the third Wednesday of each month thereafter. I also attached verification of my federal ( OPM ) benefits and that amount is {$1800.00}. My husbands Social Security Retirement showed that starting XX/XX/XXXX, he would receive {$1800.00} on or about the second Wednesday of each month. My husbands XXXX verification form showed his federal pension amount is {$2800.00}. I am just not certain why Navient needs proof of my husband 's income as was in school from XXXX through XXXX and received student loans payments before I married my husband. I am just so frustrated with Navient. I was a federal employee for 25 years, from XXXX through XX/XX/XXXX. In XXXX when I inquired about loan forgiveness, Navient told me that they did not have a loan forgiveness program. I inquired again and applied for loan forgiveness in XXXX. At that time, I was told did not qualify for loan forgiveness as I would have to work an additional 10 years from the date I applied for the loan forgiveness program to qualify. I am XXXX years old. I have elderly parents. I needed to retire in XXXX to care for my ailing parents. There was no way possible that I would be able to work another 10 years. This is the second time I have applied for the IBR program. Last year when I applied, Navient gave me such a difficult time and now again, this year, they are putting me through a difficult time. I contacted Congresswoman XXXX XXXX 's XXXX in XX/XX/XXXX and of today, I have not heard from them. Can you please help me resolve this issue? | ||||||
| 02/28/2018 | Yes |
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Web | Servicemember |
| I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX while I was living in XXXX, Alaska. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is : Education Loan Number : XXXX XXXX XXXX in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient P.O. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX XXXX XXXX | ||||||
| 12/21/2017 | Yes |
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| At the end of XXXX, I applied for borrowers defense. As a result, Navient put the administrative hold on my account for forbearance. I then received notification online in XXXX that I had to update my IBR information or risk losing my IBR status. I sent this information on XXXX XXXX via fax and online through the government website beginning of XXXX. I received 4 emails stating they needed more information then an email stating my payment was going back to the 10 year amount, that was XXXX XXXX, well after my application. I then called concerned thinking the IBR would go into affect after the forbearance is complete if it is not extended due to processing the borrowers defense. The person I talked to says the emails were in error and I was good to go. He does not tell me i can wait until after the forebearance to apply or verify that i know my payments will be due again in XXXX. Basically, they sent me emails to get me to call them so they can expedite the process, remove the forebearance, and start getting money from me again. The next day, they process the IBR, remove my forbearance and state I have an increased payment due in XXXX weeks. I call them and speak for an hour and a half being told my loans are not federal loans that they are commercial, told that I really have no option unless I want interest to capitalize by doing a regular forbearance, told that they ca n't give me back the courtesy forbearance because my loans do n't qualify even though they were in forbearance for months before that for the same reason. Basically told that i can choose to go into default and not given on viable option besides make the payment. This is a shady company that does everything it can to XXXX over student loan borrowers. The woman on the phone even told me my payments are XXXX and my statement clearly says XXXX. More lies. This organization also capitalized all my interest when they took the loan over from XXXX years ago and I have yet to get an explanation as to why. When I ask, I literally just get ignored with no response. Meanwhile, my graduate school loans are in the same deferment and XXXX XXXX sent me XXXX email stating they got my IBR information, they will process it when the forebearance is complete and ensure that I am taken care of. NAVIENT SHOULD NOT BE SERVICING ANY LOANS EVER! THEY ARE SHADY AND I WOULD IMAGINE DOING ILLEGAL PRACTICES. | ||||||
| 02/27/2023 | Yes |
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| I have reached out numerous times to find answers to our questions on the spousal consolidated student loans. Unfortunately, I have not been able to get the answers I need and am reaching out to you for clarification. My husband and I, under the guidance of Sallie Mae, took on a joint spousal consolidation back in XXXX. We have been in repayment since then. We have used a few deferments while off work for the birth of our children and then Sallie Mae sold or was renamed Navient. At that time, in XXXX, we then were told about the XXXX and have been in that ever since. We have paid over XXXX payments over the years and that is just since XXXX. I have no idea or can I find out how to find the number of payments we have made before that time. He graduated in XXXX and I was XXXX. Now, as you can imagine our loan has grown significantly since we have been on the IDR plan but I was very excited to see the new counting strategy. And then I come to find out because our loans are FFLEP we are unable to have the recount without consolidating into Direct Loans. After speaking to FSA, I was just informed joint spousal consolidations can not consolidate to Direct Loans before XXXX because they would have to be split first and this process has not been figured out. We have been paying on our school loans since XXXX and are still paying. I understand completely they are not paid off but I also know there is a 25-year limit. Unfortunately, since our IDR did not start until XXXX, we are now being told we are still going to pay until XXXX? On my Navient acct it says we started paying in XXXX. The person on the phone said XXXX is the count start? This has me completely baffled and I would like to know what to do from this point on. We now have three daughters in college and also have a PLUS loan out which we will be starting payments as soon as the freeze is over. I would like some sound advice for our own selves and also for my daughters and their future loans because as of now I feel both Navient and Sallie Mae have led me in the wrong direction in so many different ways. Our payoff amounts are less than the accrued interest on the loans and much more than the original loans. I understand accrued interest but the timing and recount I do not. Thank you in advance and please forward to anyone who can help. Please call with any questions. XXXX or email XXXX XXXX | ||||||
| 10/24/2015 | Yes |
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| My son was readily provided with numerous school loans from XXXX in XXXX. I cosigned a loan for him six years ago. When he was unable to afford all of the monthly balances, I stepped in to help several years ago. I made a large payment believing the loan was almost satisfied. It has taken me two years to get answers, loan paperwork and exact balances. In the past two years, after countless phone calls and letters from my end, interest capitalized. I requested an ombudsman this XXXX but was actually connected to a Navient employee. My concerns are lack of explanation to my son when borrowing all of this money, lack of communication to me as the cosigner over the past several years, and incorrect statements by Navient. One example of this was a recent conversation with a " top '' loan administrator who insisted that I should have known about increasing interest penalties due to monthly statements. I have never received statements and was told on several phone conversations that as the cosigner I had no right to specific information. As it turns out, they did not have my address correct. Statements were never received by me. I corrected my address with Navient in XXXX of this year, and have yet to receive any statements on this account. In order to reduce the extremely high interest rate, I borrowed as much money as I could three months ago to pay down the loan. I have a small balance left to Navient, and still can not get statements. I have also tried several times unsuccessfully to pay online these past two months. The insistence that I should have known all along what was incurring is incorrect as statements were not received by me. The address they had on file this summer was not even an address I recognized. I was also told repeatedly over the past four years by phone that I was not allowed to get specific information, which I believe as a cosigner is also incorrect. Interestingly, I recently heard an interview on XXXX by a young woman stating that she was offered and given numerous loans from The XXXX XXXX XXXX XXXX XXXX, XXXX, without a clear understanding of how much debt she was actually incurring. These young people are getting themselves turned upside down financially unknowingly before they even have the opportunity to make an income. My frustration is the way Navient mishandled communication and has cost me thousands of extra dollars. | ||||||
| 05/19/2020 | Yes |
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Web | Servicemember |
| I am a XXXX XXXX XXXX XXXX veteran of the XXXX and I was approved to have all my student loans discharged through the XXXX discharge process on XX/XX/XXXX through XXXX. I had 15 loans in total, 11 loans have been discharged and reported to the credit bureaus and taken off my credit report. However, 4 of these loans have not been discharged that were included in this XXXX process. I have called XXXX several times and they keep saying it is nothing they can do and to contact Navient the servicer on these loans. I have called Navient on XX/XX/XXXX, I spoke with XXXX and was told to check back in 7-10 business days and the loans would be discharged. That did not happen. I called Navient back on XX/XX/XXXX and was told that XXXX the guarantor had requested information and the information requested was sent back to XXXX and they were waiting on the payment for the claim from XXXX. The loans are still waiting to be discharged. I called Navient back today XX/XX/XXXX. I spoke with XXXX a customer representative and explained the situation and she transferred me to Ms. XXXX in the claims department and I explained the situation again and she put in an expedited ticket to the process dept to find out why these loans have not been discharged. She ( Ms. XXXX ) stated this would be the 4th time this has been sent to the process dept. XXXX, XXXX, and XXXX have these loans discharged, Navient is the only one that is not accurate and keep giving me the run around instead of having these loans discharged and reported to the credit bureaus as such. I am looking to have these loans discharged as they were approved to be discharged. This whole process is exasperating my XXXX. The guarantor XXXX ( I spoke to XXXX ) stated that on XX/XX/XXXX 3 of the 4 outstanding loans were paid and the last loan will be paid on XX/XX/XXXX. We also placed a conference call to Navient so they can get the information firsthand from the guarantor that the loans have been discharged. I have been told that I must wait until XX/XX/XXXX to get an answer from the expedited ticket. I should not have to wait another day to get answers or the loans discharged. I have uploaded the loans in question from Navient, the payment history on the loans, and the letter from XXXX stating my student loans were approved for discharge. I am seeking help to get these loans discharged through Navient. | ||||||
| 12/28/2021 | Yes |
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Web | Servicemember |
| I have been blocked obviously from the bureaus for frivolous disputing after disputing items over and over they block you from disputing that item. So now I have to dispute through the CFPB and the FTC. I know my consumer protection rights I am 20 hours away from my XXXX degree at XXXX I cant wait to pass the bar. I recently received a copy of my credit report and I noticed XXXX, XXXX, and XXXX furnishing accounts on my consumer report that should not be on there. I have directly requested Debt Validation and Proof of Claim documents no response from XXXX. Congress clearly states that they are in violation. I am reciting the law as it is written, since they meaning bureaus and XXXX want to ignore me I will start filing lawsuits for every violation because if Im wrong then congress is wrong. ( I demand the below accounts be deleted from my consumer report. XXXX {$80000.00} XXXX XXXX {$13000.00} The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act . [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of XXXX XXXX similar device ; Read the law I did not make this up. So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand these accounts be VERIFIED and VALIDATED to the last cent or deleted from from my consumer report. Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which. I Will be seeking {$1000.00} per violation for. Defamation of Character Negligent Enablement of Identity Fraud Fair Debt Collections Practice Act 15 USC ( 1681 ) violations Fair Credit Reporting Act 15 U.S. Code 1681n - Civil liability for willful noncompliance. Best Regards, XXXX XXXX XXXX XX/XX/1966 XXXX | ||||||
| 07/10/2018 | Yes |
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| When I left school because the costs got too high, and when I moved out of my parent 's house I could no longer get the aid I needed to finish attending school at the University I started at, I was regularly steered towards what I now realize were poor options. Navient, among other servicers of my loans, including XXXX XXXX, continually, and willingly, as a first resort, offered me forebearance, and failed to mention not only the insurmountable amount of interest that would accrue, but the time period the forebearance was for. Many of the people working for these servicers had sub-par english communication, and I now realize, out of their fault, as my loan was passed through four or five different people, it eventually landed in default because of their inability to contact me because the contact information I provided the servicers was transcribed incorrectly. More importantly, it appears they made no effort at ever updating my phone number, either. Now, my student loans sit in default, I wasn't even able to graduate ( because moving out made me unable to receive aid at all ), and I'm trying to grind my way through self employment to get to a point where I can repair my shattered credit. I won't be able to buy a house before I'm XXXX, likely, and most of my loans ( ranging in original amounts from {$2000.00} to {$5000.00} ) have almost doubled in balance. On top of that, a servicer XXXX XXXX XXXX, seems to have added 18 % to my loan balances upon acquiring my loan, and we haven't even gotten to a point to talk about rehabilitation. Although, I shouldn't need to rehab my loans if these companies were more transparent and simply offered me something I could afford off of my $ XXXX/month paycheck I was getting when I first left school. Now an original amount of about {$20000.00}, is over {$36000.00}, roughly 9 years AFTER I've left school, and I've been notified now THREE YEARS after my loans have gone into default. Somehow, my mother received the notification letter at her brand new house they've built, that I do not live at, and I have not received a single thing at any of my previous addresses even though I have always placed a change of address. Now my life is shattered, my credit is destroyed, and there is no fix in sight. So, what do I do? I type this out in hopes that anything positive comes of it, but I know nothing will. | ||||||
| 02/16/2018 | Yes |
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Web | Servicemember |
| Since XX/XX/XXXX I've been receiving harassing phone calls all throughout the day from Navient regarding loan payments for 2 of my private loans from XX/XX/XXXX I'm currently in XXXX school and notified them of this. They stated I was under Forbearance, but it was running out. But if I paid XXXX dollars over the phone it would bring my account current and I would continue to be in Forbearance till XX/XX/XXXX. Well They have continued nonstop calling with harassing phone calls since XXXX and asking me to pay another XXXX dollars to for the Forbearance program. Well I contact Navient on several occasions trying to see what program I could get to help me with the 2 private school loans who we're initially through XXXX XXXX, and was told that once I finished school I could have the 2 two loans combined as one, but that never happened. I opt out to borrow XXXX dollars and was told that it had to be taken out in 2 different loans. The loans have blown up to XXXX dollars per Navient. They said I have run out of Forbearance and I asked if I could get help, because i'm not able to make the allotted loan payments. They also charged my account with late fee 's and reported my account to the credit bureau and I filed an complaint and they had to remove the derogatory late payments off my credit. They have since reported that I'm 2 payments late on the loans, even though they told me I'm still under a Forbearance till XX/XX/XXXX. I never received a email or call about the 1st recent missed payment, bit all of a sudden the account is 2 months late. My interest rate is 11 % and XX/XX/XXXX I contacted Navient and asked what other programs am I qualified for since I'm still in school and can not afford the XXXX payment at this time. I was offered a program to decrease the interest rate on the loans and lower the payments from XXXX to XXXX. But was told that the offer was only good for 12 months on the 1 loan and 6 months on the other. And after the time frame, my loans would resume the original amount plus the interest unless I could qualify again. I need help with this issue and finding a resolution before my loans go into default which I don't want that, I want to pay for the student loans. Even though the loans we're taken out under predatory lending practices from XXXX XXXX for XXXX XXXX XXXX which was not a accredited program and was lied to about it. | ||||||
| 07/09/2021 | Yes |
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| I owe approximately {$27000.00} for student loan. I can not pay it. Its been ten years. I was able to pay for a while, but my husband had a XXXX XXXX and XXXX XXXX We had XXXX sons in college. I worked XXXX jobs. Still I could not make ends meet. Since then I have paid some but I had to take two years off. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My paycheck is my only source of income. I applied for a student loan forgiveness and I was denied. I was told that it was bc I attended a junior college in XXXX. It made no sense and Navient would not explain it to me. Numerous times I asked for a lower monthly payment but they would not. Navient claims that it is income driven. However, that does not include what it takes to live. For years I have wanted a home. Its why I invested in college. Navient has ruined my credit. I was not able to buy a home for my family. I had no credit. Without credit I have given up hope on ever having a permanent place to live. I applied for another student loan forgiveness. During Covid shut down I was at my school handing out lunches. I checked my payments and I have made the required payments. If I do not receive the forgiveness I want to why. Explicitly why. All the times I asked for a lower payment I Navient would never work with me. I have had my student loan in forbearance so many times. It was the go to when I could not pay what they wanted. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only need credit to survive sometimes. I do not make a lot of money. I have nothing to take. Im not paying it. I have already paid a high price for Navient. Navient did not send information or offer the student loan forgiveness to me. I found it on my school districts page. I have a photo attached of the choices Navient sent me. For the payments I did make you cant I made any. Interest has added all back on plus some. Navient is not a fair company. I have harassed by this company. Last year was almost too much as a teacher. They harassed during a time I could not afford to be. Navient has never helped me. Navient should be invested and audited. The FTC has a good bit of information already on Navient. XXXX that should warrant an audit at the very least. | ||||||
| 05/13/2021 | Yes |
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| I attended XXXX University in XXXX XXXX, VA from XXXX to XXXX. During that time, I received yearly student loans to pay my tuition. After I graduated, I got a deferment from repayment. Unfortunately, in the 18 years since I graduated, I have lost my original loan paperwork and I don't remember exactly when I started to repay the load. Currently, my student loans are serviced by Navient. I started working for the federal government in XXXX. Shortly after that, I had my school loan payment automatically deducted from my paycheck. I retired in XXXX of XXXX and contacted Navient in XXXX of XXXX to find out how much I still owed on my loans. It was very difficult to get an exact accounting of my loan history from Navient. They sent me a two-page history of my loan payments for the years XXXX through XXXX. In addition, they sent me a very confusing printout of my loan activity beginning in XXXX. They did not explain the reasoning for how my loan payments were being applied before XXXX. Also, it appears my principal loan amount changed over the years. On one of the Navient reports it says my original loan amount was {$80000.00}. On that same document, it says my original loan amount was {$84000.00}. In the report they sent me that covers the years from XXXX to XXXX ( although the years XXXX to XXXX are very confusing ) it shows that I made payments every month by automatic deduction from my paycheck in amounts varying from {$310.00} to {$380.00} per month. Because the report is so disjointed, I can not be sure of the exact amount that I have repaid so far. Nonetheless, my calculations indicate that I have paid more that {$32000.00} on my school loans. However, their report shows that I still owe {$80000.00}. In other words, despite my re-paying more than {$32000.00} on this loan, my principal has only gone down about {$4000.00}. When I took these school loans it was my understanding that these were low-interest loans guaranteed by the federal government. I know many people have defaulted on their school loans, but I am not one of those people. I paid the required payment every month for many years. I just want my original loan amount calculated correctly and repayment be made fairly, in accordance with the intention of the loan programs. It seems to me that Navient has abused its responsibility to the students and the federal government. | ||||||
| 08/15/2022 | Yes |
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| I am filing a complaint for falsification of NEW information for the direct intent to upset and annoy me. This is classified as the definition of harassment. Anyone who places calls to deliberately upset, annoy or threaten the victim may be guilty of phone harassment, which is a form of bullying. Phone harassment may be a one-time call or a series of calls. I kindly made an outbound call TO Navient on XX/XX/2022 at XXXX, lasting XXXX XXXX, XXXX. The Purpose of the call was to ( 1 ) return Navients Representative XXXX phone call from XXXX and ( XXXX ) to clear up XXXX emails that I received from Navient that were in direct conflict with each other. Again, I kindly tried to work out miscommunications with Navient, however, I received additional, new conflicting information, from Navient Representative XXXX XXXX. She has been with Navient for five years. The information she relayed to me didnt even match the Navient emails, or, my approved IDR from studentaid.gov from XX/XX/2022. This was the new information that was verbally stated, although, I have spoke to Navient verbally numerous times in XXXX I, XXXX XXXX XXXX, have never heard a Navient Representative tell me the following information. [ XXXX XXXX stated, XXXX we emailed you in XX/XX/2022, however, you failed to respond to renew your IDR. XXXX, your IDR is not active because, you, XXXX, failed to recertify. ] Why would I recertify in XX/XX/2022, when I have an already approved XXXX from XX/XX/2022? I uploaded XXXX the complimentary copy of the approval XXXX from XX/XX/2022 to XX/XX/2022 into my logged into Navient account, with system confirmations. The following information was received by Navient and is confusing. I uploaded real facts, the actual emails, into my complaint. I realize I have several loans. All my private loans are paid off. My educational loans are with another lender. I only have federal loans with Navient at this point, or should. [ Received XX/XX/2022 by XXXX XXXX navient.com Total Payment Due for XX/XX/2022 is {$0.00} ] Received XX/XX/2022 by XXXX XXXX navientXXXX Total Payment Due for {$210.00} on XX/XX/2022. ] [ Received XX/XX/2022 by XXXX XXXX Navient Received Payment, But ] [ Verbal Communications by XXXX XXXX We need to set up another payment option. You never recertified your IDR in XX/XX/2022 ( although, I already did in XX/XX/2022. ) ] | ||||||
| 11/15/2017 | Yes |
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| Prior to the date of XXXX XXXX, XXXX, myself and Navient came to an agreement for all of my loans for a monthly payment in order to avoid any of them going into delinquency. Prior to this call I had attempted to make numerous payments to them which went on for months with which they would not accept. They stated for me to wait for the documents in the mail that I would need to sign off on them and then send them back in order to finalize our agreement. I waited for the documents and then when I did not receive them I called the company to reassure that they had sent them out. The representative stated that they do not send documents in the mail and that the account is now in delinquency status and that I was late on a payment following our agreement. I then stated that the previous amounts had been agreed to be forgiven and that they were going to start from scratch with me beginning in XXXX, but that I was supposed to be receiving the documents. I never received the documents and they stated that not all loans are going to be brought out of delinquency status. I stated that I was in school getting my XXXX XXXX XXXX and that I had been accepted into the doctoral program and I asked if they defer me further. I asked for a full investigation into this matter and for all phone calls that I have ever had with Navient to be fully investigated. They then stated that they went back to several dates and that they had determined that they agreed on a fixed amount per month for one loan, but not all loans, and that they had not stated that they were willing to start from scratch with me in order for me to be able to make payments based on what I had experienced with them in terms of trying to make payments and them stating that they would not accept it. One stated to me that they would not tell their employees to say that they would not accept a payment. They stated that I had some how used up my deferment status. I feel like one person against those that run this business that have incredibly deep pockets and that they are taking advantage of the fact that they have the ability to not have to live up to par with the law. Lastly, I received a call from them for a payment and it turned out that my father stated that he had a payment and they too had stated that they had not received a payment and my father was correct that he had paid on my behalf. | ||||||
| 05/11/2017 | Yes |
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| I desperately need your help. I do n't know what to do at this point or who to contact anymore. I have filed a claim with the Department of Education Ombudsman Group and nothing has been done yet. Here 's my situation in XXXX I went to XXXX XXXX XXXX XXXX and I was told and it was documented and signed that my total tuition was going to be {$10000.00} and I was approved for a federal grant of {$3700.00} and I was to pay XXXX to the school so the remaining balance was going to go towards a student loan. That paper was signed and documented. And that is why I enrolled in the school thinking I was going to get help by financial aid based on what the school told me. Well it turns out that what the school told me was all a lie the XXXX was applied to the student loan and now I am in debt and being harassed. I did my own research and it looks to be in XXXX the Department of Education raided this school XXXX XXXX XXXX XXXX due to some kind of scam or Fraud took pl ace in this school and I have a feeling I am probably in one of those cases. I need help finding someone who can help me. If I knew I was n't going to be approved for financial aid I would not have enrolled in this school. In my credit report it is greatly affected because it looks like am in complete debt. I would like to either have this student loan be discharged or at least have a balance that indeed it is the correct balance. I see how you help so many people and I would love it if you help me by providing me a number of someone who can help me or point me to another direction. I also believe that XXXX XXXX may b e involved in this because there Consolidation Loans make no sense. I feel like every time I pay it never goes down. I feel like all am paying is interest and that itself stays the same. I have XXXX Loan fo r {$5100.00} and I have a XXXX loan for {$3400.00} totaling XXXX I contacted them myself and they advised me that the loan was done in the school and now I a m just worried. I need help because at this point I do n't kn! ow what else to do on getting this resolved. I am trying to contact attorneys to help me, but I have n't found anything. The only thing I have found is someone helping me in the Department of Education Ombudsma n Group. I h ave attached all paper work that was provided to me. Please advise if you can help. | ||||||
| 04/14/2017 | Yes |
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| I was enrolled at XXXX from XXXX. During that time student loans were taken out based off of XXXX telling me that my tuition would never go up and I would be making XXXX a year right out of college. After doing some research I found out that XXXX had lied to me and due to the government pulling their funding based off of illegal activities I sought to have these student loans discharged along with my private ones. Per the form I sent to Navient there is a fine print item that says If you withdrew more than 120 days before the school closed, you may be eligible for this form of discharge if the Department determines that exceptional circumstances related to the school 's closing justify an extension of this 120 day period. Examples of exceptional circumstances include but are not limited to the closed schools loss of accredidation, the closed schools discontinuation of the majority of its academic programs, action by the state to revoke the closed schools license or a finding by a state or federal government agency that the closed school violated state or Federal Law. Per that disclaimer Navient must wipe out the lines and any interest that accrued during that time period. They must also reimburese me on any payments I made towards those lines at that time. Navient has denied my request twice stating that I was out of the school for longer than 120 days. When I brought up the terms and conditions with them they denied it again. If Navient does not discharge the loans taking out during that time period they will force me to seek legal counsel and sue them to have the loans discharged. I meet the requirements for the loans to be discharged so they must be discharged. XXXX had their funding pulled due to fraudulent activity and statements made by the company. I never would have went to XXXX nor would I have pulled out student loans if I knew the statements they were telling me was false. Furthermore, Navient has discharged student loans for other people past the 120 threshold for the same reasons they just went to a different school. A few of these people I know personally and that is how I found out about this. If Navient is going to discharge the loans for one person based off of this they must discharge them for all the people meeting this requirement otherwise they are discriminating against me. Which would be a violation of federal law. | ||||||
| 11/17/2022 | Yes |
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| Loan start date : XX/XX/XXXX for {$10000.00}. Co-signed with grandparent who passed away in XXXX. Current loan amount : {$11000.00} - XXXX Payments made : - {$11000.00} I had a Sallie Mae private Sallie Mae loan in XXXX which was sold to Navient. I have been paying my loan consistently over the past 14 years. I believe because my school was a For-profit school in XXXX my account has slipped under the radar of the Navient issues. I still over more than the original amount of the loan. Multiple times calling Navient in XXXX they coerced me into putting my loan into Forbearance by paying a " Fee '' amount not explaining the issues with the interest or educating me on how this worked. They used " unfair and deceptive servicing practices '' and even asked me when I was " delinquent '' to pay certain amount to bring the account current. They also made me pay to put my account in forbearance when I was in school again. My co-singer who died in XXXX was never release from the account & her son was berated by Sallie Mae to pay, even though we called multiple times to et her removed. I have called Navient and they will not give me the call history and told me I need a lawyer to do so- this is my private info and should be accesible to me. I also asked for the " $ total amount of payments '' I've made and they do not have that data. They said would they would need to " manually calculate '' the total themselves and do not keep a record of your total payments. This is concerning as this means there is not total record of how much money I have paid over the past 14 years. I did the math and it looks like to me I have made over {$11000.00} in payments. Which would imply I should be almost done paying off this loan. Other issues include : - No official statements accessible from the website only " XXXX '' spreadsheets you can export. This conceals the true payment total and total of interest etc. It also conceals the real interest allocations and how payments are allocated for historical payment. Banks like XXXX etc have this on their site so you can easily understand. This is a dark pattern to confuse people from looking at their loan history. - They ask for your social security number over the phone and record these calls. This is a security issues and means my social security number is in stored in call recording I don't have access to. | ||||||
| 12/18/2021 | Yes |
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| I owe about seven thousand dollars to the VA across three different accounts and received two letters. In the first sixty days of becoming aware of this debt, Pioneer Collections had sent me a total of two letters. The first letter was a threat to garnish taxes and the second letter was a threat to garnish wages. The threat to garnish wages was received on XX/XX/XXXX. I contacted the debt collection agency and their call menu had guided me to a notification that a payment must be submitted in order to enter into a payment arrangement plan. I sent a total of {$55.00} through my bill pay application on my phone. Then I left a message requesting callback. I was willing to take care of the amounts that were owed. During that call the person that I had came in contact with tried to tell me that in order for me to enter into a payment arrangement with them that I will have to submit another payment by the XX/XX/XXXX. Then they were really quick to demand financial information such as my pay stubs. They were not even factoring into consideration the basics such as the fact that I do not have a vehicle, I do not have a state drivers license, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) while employed. I don't have any property and fall beneath an acceptable margin of living according to most federal assistance programs such as Food stamps, Medicaid, and some of the Low Subsidy Programs. Instead of emphasizing in my right to lick my wounds after a COVID outbreak that has resulted in a divorce, XXXX deaths in my family, XXXX, and XXXX years of XXXX and being appreciative that I am there to take accountability and a little bit of fiscal responsibility for the balance of these accounts they started treating me as if I had been avoiding the debt. They didn't appreciate the fact that I was there for the first time ever ( despite the bereavement ). Instead they were quick to mention that the debt is five-hundred and somewhat days old and that they are interested on taking action through my new employer, wages, and tax returns. They did not seem very opportunistic at all and are not interested in the bigger picture of allowing us to heal up so that we can take on more fiscal responsibility in sight of hard times, difficult challenges, and are quick to indicate to the consumer that it is their fault that these hard times have happened. | ||||||
| 05/07/2017 | Yes |
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| I have been having a difficult time making my monthly payments on my loan with XXXX . In XXXX , I had several XXXX student loans consolidated which at the time had a principal balance of {$95000.00}. I, unfortunately, was diagnosed with several medical issue s ( i ncluding XXXX XXXX ) a nd have had an increasingly difficult time making the loan payments. XXXX apparently bought the loans from XXXX and started calling me several times. When I explained to the customer service representatives that I was unable to make payments, they reassured me that they were sensitive to my circumstance and they suggested I go into loan forbearance as it would not adversely impact me but would give me ample time to repay my loan when my circumstances hopefully improved. After it was agreed to loan forbearance, I noticed a few months later that my principal balance was increasing despite the fact that I was assured the forbearance plan would simply delay my payments until I can pay them. I was not aware that I was being charged interest or fees during this period and that my principal balance would be increasing. The customer service representative made it sound like they were doing me a favor by forbearing the loan given my circumstance. Instead, I learned that they duped me and were instead charging me over {$400.00} per month in additional principal. I was literally duped by XXXX . When I finally realized what was going on ( because I had my son try to help explain the matter ), I reached back out to Navient and spoke to a gentleman named XXXX on XXXX / XXXX / XXXX . He, unfortunately, confirmed that I am being charged these fees that I was unaware of. Unfortunately, I still dont have the ability to make the monthly payments. The company should be fined for misleading me. I would be surprised if they have n't done the same thing to countless other customers. They literally try to take advantage of people like me who have been ill or can not make the payments by encouraging us to go into loan forbearance without properly explaining that we are going to have to pay a huge amount of interest or fees. Its wrong and unfair. Id appreciate any assistance you can provide and if you could please call me at XXXX to let me know what is the best way to resolve this matter. Thank you in advance for all your assistance. XXXX | ||||||
| 06/25/2016 | Yes |
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| I had a few accounts with XXXXnavient that were taken out during my XXXX studies between XXXX I have a few issues, XXXX being that my identity was stolen and an ex friend stole my personal information and cosigned a loan verbally/electronically and I do not feel I should have to pay that specific loan but when I spoke to XXXX XXXX about this. They stated that it 's more or less my problem. Recently I 've been getting calls on my phone from XXXX stating that they are seeking to get payment for my navient student loans. I did not answer initially not knowing it was them. Then Wednesday my manager says that I have a call ( I work XXXX ). I answer and it 's the same company XXXX. I asked them " why would you ever call my job and basically risk my job '' and her response was " we were trying to reach you by cell and you did n't answer '' I stated I no longer want calls to my job because I received a verbal warning from my employer for receiving a personal call. Out of fear of embarrassment I did n't state it was a debt collector. I called back later that day and discussed some options with them. XXXX being buying the debt out for a percentage of the debt. I inquired with her if this " would cover all my navient debt or not '' and she stated she did n't know. So I asked how could she not know being navient sold her this debt and again her response left much to be desired. The sum I owed was in excess of {$6800.00} with the settlement being {$2500.00} and when I stated I make {$110.00} a week she said " you can always ask friends or family ''. The conversation ended soon after that. Yesterday I called them and asked for verification of the debt in writing as I do not want to pay {$2500.00} and in a few weeks have someone else claim to now own this debt. She stated once I pay they will send me the paperwork that states the " debt is paid off '' and I said that I refused to pay until there is something more tangible for me to ensure for my records prior to handing them a check that this is legitimate. And her reply was " you ca n't get what you want, this is how it goes ''. Something along those lines. To which I hung up. I want to do this the right way and between calling my job and then not providing any notice that they actually own my debt and this will make this debt go away aside from a phone conversation. I feel I do not have to pay them. | ||||||
| 02/02/2019 | Yes |
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| On XX/XX/XXXX XXXX was debited from my checking by Navient through an electronic check ; the check noted " Verbally Authorized by Your Depositor ''. While Navient has my permission to obtain electronic monthly payments from me on the last day of every month, for a calculated payment, mine for the past six since months ( since XX/XX/XXXX ) has been XXXX. I never received any correspondence informing me my payment was going to increase. I went through this same dilemma back in XX/XX/XXXX when they charged me {$700.00} without informing me of the changes. While they did refund me for that incorrect amount at the time, it was painstaking. While I have confidence they will also refund me this time around, I am so angered that anyone should have to go through this in the first place. They continually fail to inform borrowers that their payments will be changing and for how much ; it has to stop. I am taking this action today as it is really the only action I can take on a Saturday. This transaction was posted to my account on a Friday evening and I have been unable to resolve any issues with Navient as they're closed over the weekend. I attempted to make headway with my personal financial institution but their dispute department is also closed for the weekend. I am requesting three things : First, to be refunded in the total of {$590.00} immediately. I never received any correspondence for monthly payments increasing to the deducted amount. My permission, verbal or otherwise, to be charged for {$590.00} was never obtained by the company. If, after the fact, Navient tries to inform me that an IBR plan expired and I did not complete the required paperwork, I will note that I never received correspondence about an IBR plan expiring, nor about what my new monthly payment would look like. My second request is to be sent correspondence at least 60 days prior to a plan expiring that contains detailed information on how to renew and/or extend your plan. Finally, Navient should never be allowed to charge a borrower anything other than what is reflected in their monthly billing statements. If Navient has intent to the aforementioned, then I am requesting for notification at least 30 days in advance to when a fee will increase, explaining why, and listing in detail what actions the borrower can take if they are unable to afford to make those payments. | ||||||
| 06/17/2017 | Yes |
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| I served my country in an XXXX program from XXXX XXXX XXXX and received a XXXX XXXX Award. I have been trying to use this award to make my monthly loan payments, and had some success doing this in XXXX making XXXX payments between XXXX and XXXX , with the last successful payment being XXXX XXXX . Although these payments tended to take eight or more weeks to post to my account they at least were posting, and XXXX was accepting them. Things began to change in XXXX . I have made payments each month of XXXX most of which are not being posted to my account. Because of the late delay between my payment and then posting it to my account, I have been making payments exa ctly 4 week s in advance to their due date in an attempt to avoid a past due account. These are the following dates in XXXX that I have made an XXXX payments : XXXX / XXXX / XXXX {$190.00} XXXX / XXXX / XXXX {$190.00} XXXX / XXXX / XXXX {$380.00} XXXX / XXXX / XXXX {$190.00} XXXX / XXXX / XXXX {$380.00} Unexplained refunds given back to XXXX from Navient : XXXX / XXXX / XXXX {$190.00} XXXX / XXXX / XXXX {$190.00} XXXX / XXXX / XXXX {$380.00} Navient claims to have received payments posting on the following dates : XXXX / XXXX / XXXX {$190.00} XXXX / XXXX / XXXX {$190.00} When I contact Navient regarding this they tell me that it is simply because the money was never sent to them or received. When I speak to XXXX they are able to provide me with a check trace that confirms they did indeed send the payment and that it was accepted by my loan servicer. Each company tells me to contact the other one and says that it is out of their cont rol. Navient asks me to provide things to prove my case that XXXX says is outside their policy to provide to me. Neither party can explain to me why my payments are being refunded after being accepted by the institution. My account is now {$770.00} past due and I am being harassed morning, evening, and night by debt collectors for something that I have already paid. They do n't want to work with me and figure out where the money I have already paid them has gone, they just send me to debt collection and ask if I want to do forbearance or apply for an income based loan repayment. I just want to be able to use the money I earned by working hard to serve this country to repay my loans. | ||||||
| 08/15/2018 | Yes |
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| Please refer to the attachment on all payments made to the collection agencies through Navient Student Loan Company. Per speaking with a representative on XX/XX/XXXX and receiving what is known as a " Statement of Purchased Account '' I was informed that my account was charged off with XXXX ) XXXX XXXX Corporate Office Address : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX from XX/XX/XXXX up until XX/XX/XXXX. Then with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX from XX/XX/XXXX up until XX/XX/XXXX. I have also been informed my account is now with a company by the name of XXXX XXXX XXXX contact number XXXX ( Rep that can be spoken with is according to the representative XXXX and the rep that is handling account is XXXX XXXX ) My issue is that XXXX XXXX XXXX is they are unable to communicate to me what my interest on the account was prior to any of these accounts being charged off or what my interest rate was upon making the 1st payment to XXXX XXXX. I will need this matter investigated. My next issue is that I was on what as known as a " Reduced Interest Repayment Plan '' with the two previous collections agencies. Upon speaking to XXXX XXXX at XXXX XXXX XXXX ( new charge off agency 3rd one now ) he stated that my balance with them if I would like to set up payment arrangements is now XXXX. How this is possible when my balance according to the " Statement of Purchased Account '' from Naviant was {$15000.00} with a 0.01 % interest back in XX/XX/XXXX. I feel as if Naviant has unfair business practices and this matter needs to be further investigated with proper documentation on how my balance is steady jumping up with a Reduced Interest Repayment plan with the 2 prior charge off agencies. In addition I would like a valid explanation to why my loan is continuously being charged off from one collection agency to the next after attempting to make payment arrangements and pay off my debt. It's not fair that it's communicated that one large sum has to be taken as XXXX did back in XX/XX/XXXX for {$270.00} then my interest rate will be close to 0 % to have me set up arrangements then upon paying it's sold off again and the entire process has to start all over. It's not fair that when the process has to start over that I'm looking at approximately 2k in addition to what my original balance was initially. | ||||||
| 10/06/2018 | Yes |
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| I have submitted a previous complaint through the CFPB regarding Navient 's processing of my grace period. That was collected under complaint # XXXX. In short summary, I withdrew from XXXX school on XX/XX/XXXX and returned to school on XX/XX/XXXX. This process used all of my grace period for loans issued prior to XX/XX/XXXX. However, on returning to school Navient forced me into deferment despite multiple repeated requests that I made to enter into repayment under an income based repayment program. Navient will hide behind some incorrect interpretation of documentation that they received from my school but for months I would call Navient, talk with their representatives and would attempt to remove my grace period and enroll in an IBR and would be told that the process would begin next month. This process repeated itself for months before I was ever told that Navient had incorrect information about my enrollment dates at school. This blatant error on their part cost me thousands of dollars in accrued interest on my loans. Additionally, this increased the amount of interest that capitalized on my principal when I finally would be let into the IBR repayment program. Following the issue of my previous complaint the company quickly entered me into the appropriate repayment which occurred on XX/XX/XXXX. On XX/XX/XXXX despite multiple months of payment in the REPAYE income based repayment program and repeated requests now that I remain in repayment Navient removed my loans from the REPAY IBR program and again placed me into grace period on those loans. According to documentation that I have received from Navient this has occured because I graduated from medical school this summer. Navient has specifically stated in their response to my previous complaint ( # XXXX ) that they are aware that I have used up my grace period on my loans. They have illegally placed me back into grace period as my loans have no grace period left. I have not realized this occurred until now as Navient, despite entering me back into grace period and removing me from the REPAYE program, has continued to happily receive my autopayments. This illegal activity from Navient will end up costing me more than a XXXX dollars in lost interest subsidy from the REPAYE program and missing out on the 0.25 % interest subsidy from autodraft payments while on a repayment program. | ||||||
| 09/17/2018 | Yes |
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| I have student loans that were originally being serviced through Sallie Mae, but are now through Navient. When I entered repayment after my 6 month grace period, I was give inaccurate information about repayment options on more than 1 occasion. Navient consistently told me that the lowest payment plan I could be on was the plan that capped my payments at 20 % of my discretionary income. This was incorrect information as I later found out. There was an income based repayment plan that allowed me to pay 10 % of my discretionary income. As a result, I ended up making extremely high payments for the first 2 years of my repayment. Once I found out ( through my own research ) that I could have lower payments, I switched to that option right away. However, this overpayment drastically impacted every single career decision I've made and has caused me to lose out on the opportunity to benefit from public loan forgiveness after 120 payments. I chose to leave public service because I calculated that I would not benefit from the forgiveness plan given that my monthly payments were so high. I made a decision to try and pay all of my extra income to my loan since I was under the impression that I would not benefit from public loan forgiveness ( my payments were around $ XXXX x 120 months = XXXX, which was higher than my principal balance ). Secondly, I decided that I should look for a different position outside of public service so that I could afford my loan payments. If I had been given truthful information from day 1 of my loan repayment, I would have stayed in public service and only had 4 years left before being eligible for forgiveness. I would have had much lower payments so that in the end of my 10 year repayment period, there would be a balance left to forgive on my loans. Navient illegally cheated me out of my rights to lower payments, and as a result I will end up having to pay the entire balance out of pocket rather than being able to benefit from public loan forgiveness. I would hope to receive some kind of resolution to this complaint, as it seems like Navient systematically deceived borrows in this manner and are now the subject of a class action law suit. Their practices have forced me to make decisions I would not have otherwise made about my life, where I live, and my career, and have caused huge financial burdens and stress. | ||||||
| 07/15/2019 | Yes |
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| The following Corporations : Sallie Mae, XXXX XXXX XXXX, Navient Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION/SALLIE MAE XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Sallie Mae and XXXX XXXX have sent inquiry letters, my response to there letters were affidavits of fact dated XX/XX/2019 for which no response was received rebutting any of the affidavits, there for falling into default judgment dated XX/XX/2019 for all affidavits received via Certified Mail See Attachments. Under United States Code 12 USC 73 Oath the bankers affiliated with these Corporations Chief Financial Officers have violated their Oath 's of Office. They have hypothecated and/or pledge as security on loans and debts. Also under Title 12 United States Codes 12 USC 411 Issuance to reserve banks ; nature of obligation ; redemption. Debt is the Obligation of the United States. Under the Truth in Lending Act Regulation " Z '' human beings can not be financial institutions and as a " Person '' which is defined as a corporation under Title 28 Section 3002 ( 15 ) ( A ). I am a sentient living woman I can not be a corporation as defined above in ALL CAPITALS LETTERS. The XXXX XXXX, Artificial Person, or 'Straw-Man ' is not who I am. This leads into a false claim under Title 31 USC 3729 False Claims. The amounts allegedly claimed owed from each corporation is as follows : XXXX XXXX amount allegedly owed {$260.00} ; XXXX XXXX XXXX amount allegedly owed {$5800.00} and {$3700.00} ; XXXX XXXX XXXX amount allegedly owed {$310.00} ; Department of Education/Sallie Mae allegedly owed {$4100.00}, {$6600.00}, {$11000.00}, {$4500.00}, {$8500.00}, {$8500.00}, {$12000.00}, {$4400.00}, {$12000.00}, {$3300.00}, {$2800.00}, {$10000.00}, and {$5600.00} ; XXXX XXXX XXXX amount allegedly owed {$850.00} ; XXXX XXXX XXXX XXXX amount allegedly owed {$0.00} ; Navient Corporation amount allegedly owed {$5600.00}, {$2800.00}, {$3300.00}, {$8500.00}, {$10000.00}, {$6600.00}, {$8500.00}, {$12000.00}, {$4100.00}, {$4500.00}, {$8500.00}, {$12000.00}, {$6600.00}, {$2800.00}, {$3300.00}, {$10000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$20000.00}, {$5600.00}, and {$20000.00} ; XXXXXXXX XXXX XXXX amount allegedly owed {$870.00} ; Sallie Mae Amount Allegedly owed {$8700.00} please see attached documents and inquiry letters. This is Identity theft, and fraud. | ||||||
| 11/01/2017 | Yes |
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| Hello, I am working to fix my credit scored but Navient has marked my credit by stating that I have multiple late payments. There are TEN ( 10 ) student loan accounts open and each account has 9 missed payments. That has caused a total of 90 missed payments on my credit score ( a majority in XXXX and several other months missing information ) which is preventing me from purchasing a home or, more importantly, fix my credit. I am XXXX years old, trying to build my life. Taking the problem one step further : the student loans I have is for the University of XXXX which has closed all of its campuses in the XXXX XXXX. At first, I was attending the XXXX, CA campus ; it closed down. I was moved to XXXX, CA and XXXX XXXX, CA ; also closed down the campuses. I was then moved to XXXX, CA which also closed down the campus. I was forced to take online classes which dramatically increased the cost of all of my classes. I did not sign up for online classes when I first registered for this school, yet I was forced to do them because of all of the campuses being shut down. Not only is Navient hurting my credit significantly, but I am also stuck in paying a large amount of money for a school that kept closing its doors and sticking me with more expensive classes. Below is how my credit is listing the Student Loans : " There are 90 late or missed payments on your report. Payment history is important because it helps lenders gauge how likely you are to pay on time in the future. '' STUDENT LOANS XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXXXXX/navient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX} XXXX Missed Currently on-time STUDENT LOANS XXXX I hope that there is something that can be done for this unfair treatment. This school is a trap and Navient has only put me in debt for the rest of my life. I thank you again for the time you have spent reading this correspondence. -XXXX | ||||||
| 01/20/2017 | Yes |
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| I have never missed a payment on my student loans, and have always used the income based repayment plan option. This past year I got married and filed taxes with my husband. We DO NOT share a bank account and for the most part do not share money as we have divvied up our monthly bills. He pays electric, cable, his car insurance, pet insurance, and home security system. I pay our mortgage, student loans, car payment, jewelry and car insurance. This year when I went to renew my income based repayment plan, they told me that since I filed taxes with my husband, that now I have too much income to qualify for that plan. Fine. What are my options? I was told a different thing from 3 different customer service representatives. One of whom suggested I go into forbearance for a month until they are able to transition me into a plan that is going to be XXXX dollars more for me a month. I pride myself in not missing any payments of any sort. I could not believe they were telling me this. The other 2 were helpful, however they kept keeling me to call back in XX/XX/XXXX which made me miss the XX/XX/XXXX deadline of signing up for a payment plan. Again, could n't believe they were telling me to call after the deadline. I was also under the impression that if you were in an income-based repayment plan, that your student loan would be forgiven after 25 years. I have already been paying my loan for 4 years, but with the new payment plan I was told I would have almost 27 more years of payments on top of all the years I have been making payments. I will be XXXX years old. To top everything off, I got my student loan interest tax form in the meal, and I am only paying off interest at this point! I am making no dent whatsoever in the balance of my loans. I am making over {$300.00} in payments a month ... that 's not exactly XXXX ... I feel like it should go directly towards the balance. Why is the interest rate so high??? Its killing me! My student loan payment is the only reason we are waiting to have kids. We make XXXX take home pay every year, which should be enough money to start a family, but this student loan is causing me to put my life on hold. I feel such desperation. I am working in the file that I studied in college, so my education is going to use ... Just wish I would have known all this when I was XXXX and applying for these loans. | ||||||
| 07/15/2015 | Yes |
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| Hello, I am the co-signer for my son 's private college loan and was frequently making payments to XXXX XXXX, now Navient. To make a long story short, XXXX I called Navient to discuss lowing my monthly payments from almost {$300.00} shared amongst XXXX loans and the rep wanted to know why I was paying so much anyway. She shared that XXXX loan payment was XXXX and the other payment was XXXX. I set up automatic payments through my online banking and thought all was well. XX/XX/XXXX, I began receiving harassing phone calls from Navient telling me both loans were behind and that the agent I spoke with XX/XX/XXXX provided incorrect information. On XX/XX/XXXX I spent over an hour with Navient and was approved to be placed in an extended program to lower my monthly payments to {$140.00} twice a month for both loans until XX/XX/XXXX. I thought all was well until XX/XX/XXXX I started once again receiving harassing calls from Navient for more money and I learned that the agent who enrolled me in the extended program on XX/XX/XXXX made a mistake in my banking account number so I was removed from the program without my knowledge, which made my loans even further behind. I spoke to a supervisor on XX/XX/XXXX who assigned an agent to help re-enter me into the program and I paid {$170.00} to bring both loans up-to-date. Today XX/XX/XXXX I received a letter from Navient saying I again was kicked out of the program because the XX/XX/XXXX payment was not received even though there was knowledge their agent made the mistake. The agent requested I bring both accounts up to date and that the {$140.00} agreed upon XX/XX/XXXX was incorrect. She offered to put me into another program but wanted me to bring the loans current. At this point, I 'm afraid to do anymore business with Navient due to all the incorrect information provided by the agents. This agent even told me that the previous agents I spoke with maybe no longer works for Navient and that they did n't have the proper authority to place me in any programs ; possibly they no longer works for the company. Something shaddy is going on with this company and I am reluctant to do anymore business with them until somebody looks into their practices. I would like to for once speak with someone about my payment options to bring my loans back in good standings but I 'm afraid to do business with Navient. | ||||||
| 07/10/2019 | Yes |
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| Loans went into repayment in XXXX after I finished graduate school. I didn't successfully complete certification for my new career until XXXX of XXXX. Between that time my loans had been transferred to Navient of whom I contacted several times to see if I could pay a reduced amount toward my loan. They told me they could not accept any other payment other than what they had stated to me during my conversation with them. I explained that I could not afford the amount they wanted me to pay, but I could make a monthly contribution within my means so that I could just start repayment. Over and over again on calls I was told that NO money would be accepted and instead my loans were placed into deferment, then eventually forbearance which over time has collected a large amount of interest. In XXXX I was pretty much forced to find a solution to my loan debt or else my loans would of defaulted, or so I was told by a Navient representative. I did find out later that I could of went on an emergency forbearance in order to prevent that. That did not happen because I was not offered that option that time through Navient. They basically said that was the only option, start paying or be placed in default. I had to do something, so I enrolled with a third party servicer, XXXX XXXX in XXXX. I learned that this company also has a lawsuit filed against them. I received information from the Federal Trade Commission regarding the lawsuit in XXXX of XXXX. There is no secret that I was not able to maintain and live with a large monthly loan payment. Even on the repayment plans offered this is not conducive. I have offered in most recent years to pay XXXX XXXX monthly with my now servicer XXXX, and they too have said that they can not accept the payment. In my case I am looking to have my interest fees waived during the time my loan was being serviced through Navient ; in particular for giving me false information regarding repayment options and resolutions for my student loans. I would not have entrusted my student loan to a third party servicer, but I felt I had no other choice. XXXX as far as I know was not making full payments on my behalf towards my loan either. I am not quite sure how to go about collecting my year 's worth of payments made to them. I am willing to pay, I just want fair options and opportunities to be presented to me in doing so. | ||||||
| 07/19/2021 | Yes |
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| I contacted Navient last XX/XX/XXXX to request to lower my student loan payments because I had cut my hours at work due to Covid-19 and homeschooling my son but I was denied. This was actually my XXXX request to do so. XX/XX/XXXX, I was diagnosed with XXXX and a month later admitted into the hospital for in patient XXXX for a blood XXXX and a XXXX XXXX that was found unexpected. The next several months were a whirlwind. Covid peaks, no family allowed in the hospital, XXXX XXXX, XXXX, XXXX XXXX, I was going through quite a bit. XX/XX/XXXX, I started receiving phone calls every other day, emails, voicemails, etc threatening student loan default and next step I would be sued. I explained to Navient that I was in the hospital undergoing treatment and out of work. I could barely walk and requested a forberance, hardship or something to push payments until I could go back to work. I was advised these were private loans and nothing could be done. XX/XX/XXXX I started receiving threatening calls from an insensitive gentleman that asked me why did I take a loan if I couldn't pay it back. He said my loans had defaulted and it was his job to collect payment or send my file to an attorney to sue me. I advised him of my health condition and was told his dad had XXXX and that was no excuse. He asked if I had received any taxes and asked did I want a settlement for I believe 70 % of the amount or he stated I could give him $ XXXX {$8000.00} down and make payments of $ XXXX. I tried to explain to him that due to treatment ( unexpected diagnosis ), not working, I had fallen behind unfortunately on almost all of my bills but when I submitted paperwork from my doctor, everyone worked with me including my housing. He proceeded to tell me I needed to borrow the money from someone or talk to my parents. I advised him my dad was deceased. I was so stressed out after he called 3 times in one week, I called Navient and asked for a supervisor to take over my account and I was told there was nothing they could do. I asked if they were aware of the lawsuits pending from XXXX XXXX ( who made the loans ) and they said there was nothing that could be done. I inquired if they had any XXXX relief options, they said I did not qualify for anything. I asked why was I receiving emails to call about options to lower my payments but when I call there are no options. | ||||||
| 02/07/2017 | Yes |
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| Completed the course that I was signed up for. Finished paying the in school loans, and was promised job assistant when I went to applied for those jobs in which the school referred me. They saw the school I had graduated from and the time that I graduated, I was then told that my diploma/certificate was invalid due to credential loss half way through my education. I was told that in order to rectify this and be able to be a candidate or the position then I would need for the position, it was recommended that I return to school and redo my credentials. I called the school, they told me, that everything was fine, if there was more credential needed, I would need to return to the school and re apply for that course. Even after explaining my situation they advised that in that case it would be in my best interest to return to school but that I would have to pay for the course again and that they would help me reapply for all the same loans so that I could come back and redo the course. Receiving no understanding for the situation that I was in due to them I was only offered a change for me to come back in and speak to another councilor and that they would be more that happy to redo all the loans in which I already had again and could n't pay for, and that I did need to understand that any new loans would be in ADDITION to all the current loans. I asked why I would want to do that when I could n't pay for what I already had because I could n't get a job as promised when I signed up for the course as I was unemployed at the time of enrollment but was promises that that was n't a big deal as at the end of my course I would be assisted in job placement so that I could repay every loan that they signed me up for in the first place. Which in all fairness I do n't understand how they could possibly tell people who had no form of income to come on in and sign up for thousands of dollars based on a promise that they would in fact help make it so that I could repay them and still have money left over to support myself and my family all of which today I am learning were lies. And I want to report this as a fraud. Therefore, I need documents to file a fraud against Navient or XXXX XXXX. I am still refusing to pay this due to not even working in the XXXX, per say as my dream job. It has been ruined, so I have chosen a different career. Thanks. | ||||||
| 09/03/2016 | Yes |
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| I graduated college and decided to apply for XXXX as a XXXX. I contacted all parties involved in my Student loans and after months of communication and paperwork my loans were deferred and I entered the XXXX XXXX and served in XXXX. The XXXX XXXX has all paperwork that XXXX XXXX and Navient requested. While overseas I was being constantly harassed by Navient stating I needed to make payments. Before leaving I ( borrower ) made sure all was taken care of and covered because I knew I had very little to no communication abilities due to remote locations. Hence the reason I made prior arrangements. My cosigner attempted to resolve matters but one person would say they can not help without my permission and another would tell him appropriate paperwork needed to be done. So payment arrangement were set until borrower could make contact. Then had issues with Navient taking more out of bank account than agreed upon so account was closed after I believe 3 payments but for six months following Navient continued to access account then report payment returned. Reporting nonpayment. Navient notified again borrower who was oversees and deferment arrangements were in place according to XXXX XXXX XXXX. Since returning to United States I set up a payment plan, paid on time and now request another deferment returning to school and unable to continue paying XXXX a month requested different arrangements and told I ca n't only option was apply for a hardship. Rep stated my account would reflect my intentions. Today XXXX/XXXX/16 I received another harassing and threatening call that my account is in default and will be turned over to collections and reported. Yes, I lost my temper because the rep would not allow me to speak just kept threatening. I am so stressed out. I am an XXXX year old who has made all attempts to follow protocol ( adult thing ) by the book. I am in no way skipping out or refusing repayment. Just asking for help. No one at Navient talks except to feed you various stories then have another rep call and contradict previous conversation. When I initially took out my loans with XXXX XXXX I had no issues but since Navient bought my loans I 've had issues since day one. They constantly refuse to work with me, provide me with alternatives or a payment I can afford. Account up to date through XXXX 2016. What else is a young person to do? | ||||||
| 02/03/2017 | Yes |
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| Hello my name is XXXX and I have a complaint about student aid and how XXXX are selling these student loans over and over again even thought they get paid off to where you are forever in debt to them. First of all In XXXX I entered the military and paid into a school grant which they said we could use anytime when we want to go to school, so I paid into it for a year. A hardship happened and I had to leave the military with an honorable discharge. So I go back to school and ca n't use the money I paid into being in the military so I get a XXXX XXXX loan. Along with the school loan I get a personal loan to cover my books and other incidentals. Push ahead 10 years children, divorce and so and so but I still have to pay off my student loan and I go in default. So years later and my paycheck is garnished and the school loan is paid and I get a letter from my company and Navient a.k.a XXXX XXXX and a.k.a. XXXX saying debt paid and I am released from the garnishment. In XXXX my income taxes are taken because of the private loan Navient says. I filed for bankruptcy in XXXX and add XXXX XXXX, Navient, and XXXX to it because now they want payment for the personal loan I took out. Bankruptcy is finalized in XXXX XXXX and I hear nothing for 6 months all of a sudden I am being garnished again, no letter stating this from Navient or my accounting department at my employer XXXX XXXX. I contact my attorney by phone and email and nothing he has been paid case closed he wants more money that I dont have to correct this mess I am guessing. So I call them directly ( Navient, XXXX ) they ask me to give them proof that the loans were paid by garnishment and that the personal loan was added to the bankruptcy and that I do. I email them the copies that I have sent you. They send back the letter I have attached and now another creditor has purchased the loan from Navient they say, and want money. The next week XXXX is now sending me a letter they want more money. I dont know who to go to about this it can not be lawful. I see that Navient has a class action suit against them. I just need help and I ca n't afford to keep getting attorneys that only want money. Can you please suggest what I should do next I think they will try to take as much money from me knowing that I cant get it back because its the government backing them. Thank you for listening. | ||||||
| 04/08/2019 | Yes |
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| I previously attempted to contact Navient the servicer of my student loans in reference to a tax return that was taken to offset the balance owed on the loan accounts ( 3 total loans ) when attempting to obtain information the company refuses to communicate with me via electronic mail indicating that I must call them, however I do not have access to phone service to do so. Navient has taken funds from my tax return in the amount of roughly {$1300.00} at the time when the amount due on the three accounts was roughly {$700.00}. I have not received any dispersement of funds from my tax return and furthermore, Navient has not posted this payment to my accounts. The letter recieved from the IRS clearly indicates that this is a payment and an over payment of debt was not authorized. Navient refuses to communicate any account information to me, will not refurnish statements for correct reporting and has been previously notified of a billing error two weeks ago. Per federal guidelines, validation and verification debt including the correct amount owed must be validated within 30 days of the original notification of an error. In addition failure to do so is a violation of my consumer rights under the FAir Credit Reporting Act and is a direct violation of the lender under the Truth in Lending Act. I have since without any assistance from the lender was forced and coerced into deferment status on my loans without any assistance or explanation because I could not clearly understand my options for resolution and the representative assisting via email would not discuss my options only over phone even after telling them I did not have access to a phone. I feel additionally discriminated against because I no longer have a phone service and do not have access to one. Additionally my loan agreement does not require a phone contact nor does federal regulations and law require that a lender only do business via telephone. As required by law, Navient must also be able to furnish the same account information and assistance via mail through the postal service or similar mail carrier. I have since updated my contact information to reflect the correct address, despite being contacted via mail previously to the correct address prior to this incident, so that Navient can respond via mail a hand written response answering all of the concerns listed here. | ||||||
| 12/28/2017 | Yes |
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| On XXXX XXXX, XXXX, I XXXX " Navient phone number '', wanting to contact the company to change my address and have something mailed. I chose the first option that XXXX provided. When visiting XXXX once more ( after my situation was said and done ), this same phone number was not an option at all. It had completely disappeared from XXXX. I called the phone number and was connected to XXXX XXXX, who works for XXXX XXXX XXXX, which is located in XXXX XXXX, California. XXXX 's e-mail address is XXXXXXXXXXXX. XXXX 's phone number is XXXX ext. XXXX. She told me she could not change my address or mail something to my home because she works in a different department. She did however tell me I was eligible to be apart of a program that would help lower my monthly payment. She informed me that Navient was going through a lawsuit and over-charging us customers. She said I would pay a little bit more for the first 2 months and once those were paid for, my monthly payment would lower. She said that would happen for a few months. After a year, my monthly payment would be even lower ; this would happen for another year until my student loans are paid off. I decided to register/apply. I had given this woman all of my information ( even though she stated she works in a different department, she said it was still within Navient ) : addresses, social security number and bank information. I had to create a XXXX XXXX XXXX XXXX. I had to E-sign a few different documents. All of this happened over the span of 2 days. On XXXX XXXX, XXXX, I was told by XXXX that {$270.00} would be taken out of my checking account for the month of XXXX. My money was taken out the very next day on XXXX XXXX, XXXX. On my account summary, it shows up as XXXX XXXX XXXX FL and gives this phone number : XXXX. I called the phone number but was only greeted with a voicemail asking me to leave a message. I also attempted to contact XXXX. My attempts have not been successful ; it seems I am being ignored. Unfortunately, I will not be able to have my money refunded. However, I took the proper steps to protect myself. I contacted my bank and they cancelled my debit card. They will also keep an eye out for XXXX XXXX and will stop them from stealing more money. I checked my credit to make sure nothing has been done using my identity. I also put a security freeze on credit reports. | ||||||
| 04/23/2018 | Yes |
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| Negative Credit Reporting in error for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX due to break in service by Navient and unfair and unjust lending service and standards. Navient broke service failing to notify co-signor of loan amount due and status of loan, due to data base error on Naviet 's part during the time period of XX/XX/XXXX - XX/XX/XXXX. Navient had a database error and replaced current address co-signor provided and requested she be notified at, with old XXXX address resulting in co-signor not being promptly notified regarding student loan payments not being made in full. Navient in error replaced the co signors current address on file, with a XXXX address file from when the co-signor was a young girl with a SallieMae student loan outstanding, which was paid off in full prior to co-signing the military veterans loans. Naviet sent personal loan information to an unauthorized address instead of the address provided to the lender by the co-signor and caused a negative credit rating for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, as well as, undue risk to the co-signor. Once co-signor was made aware of issue co-signor promptly took action and put loan in good standing. Loan was being paid on during period of concern by borrower. Negative credit reporting on co- signors credit for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX should be promptly reversed due to break in service error by Naviet . Navient had good address on file for co-signor and co- signor made every effort to correspond with lender at all times. Navient broke service with co-signor regarding the financial product during the period of XXXX XXXX XX/XX/XXXX although address was readily available listed under co-signors social security number with Navient . Do-signor was always willing and able to pay on the loan cosigned which generates substantial income for Navient at a 4.5 percent rate. In addition, Navient Student loans cosigned were being paid on, small amounts of payments were being made by military person and his wife during the entire time period concerned. Family with XXXX children did their best to keep the loans in good standing while undergoing financial hardship. Once I was made aware of issue I immediately took action to pay on loan and put it in good standing. Co-signor has excellent credit otherwise and pays all bills at end of month, no other debt outstanding. | ||||||
| 03/23/2021 | Yes |
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| I graduated with my XXXX. I have been paying XXXX every month since then. I have been employed with the XXXX since XXXX and continued to pay on my loan even though I knew of the Student Loan Forgiveness Program. My logic was- its my debt and Ill pay it until I am no longer able. Which in my mind was when my finances decrease, meaning when I retire. Now that I have 30 years with the XXXX, retirement is my next step. So I completed the paperwork in XXXX for the Forgiveness Program. The first response I received was that I did not qualify. I went back and did some research and applied again in XXXX and received the response that I was not employed with an eligible organization. So, I dug a little deeper and called to speak with someone at the organization that holds the loan, Navient. I was told that I did not have the type of loans that were eligible for the Forgiveness Program. This is where the problem begins. XXXX had the loan when I graduated and I made sure that I consolidated my loans to the type that were eligible for the Program since I was already employed by XXXX. Next, the loan was sold to Sally Mae and they were still consolidated to be eligible for the Program. From Sally Mae they were sold to Navient and suddenly they are not eligible for the Program. I was told by Navient that I could consolidate them now but the 120 required payments, or 10 years worth of payments would have to start over. I am getting ready to retire and will not be able to afford another 10 years of payments when I have already made XXXX payments! The absurdity is that I owe {$84000.00} and the loan was for {$82000.00}! I have paid off a home and two vehicles since I got the loan and after paying on it for 16 years ... I now owe more than the initial loan in XXXX. I have paid more than the required 120 payments necessary to qualify for the Forgiveness Program and feel that Navient is trying to get more money from me because I have been paying consistently. I need your help because even the current pandemic inspired relief on student loan payments does not apply to loans that are not held by the Department of Education and I am still making monthly payments as of today. I am requesting your assistance to check into this situation and see if my loan can be forgiven since Ive already met the 120 payments required of the Forgiveness Program. | ||||||
| 07/27/2017 | Yes |
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| My son, whom is XXXX, started attending XXXX College in XXXX XXXX, Minnesota. He was told he could not attend college unless he had a cosigner. So I cosigned the loan for him. This was after he had a few Federal loans first. After that he was harassed by a student and the other student was released from their school. XXXX has always had illnesses due to his XXXX XXXX of his XXXX. XXXX got ill, and the school asked XXXX to quit because he was n't there enough to graduate from the program. This course was for computer game design and I 'm sure they could have made an exception for XXXX and give him homework for his course. Anyway, after he quit his payments were due right away because he was n't in school anymore. We are paying {$230.00} a month, which has gone up {$3.00} recently. The problem is we filed for a loan forgiveness, total forgiveness, because XXXX can not afford all the loans being paid at the same time. So when XXXX received a letter from Navient stating that he stop paying until further notice-he did so. ( He has Federal and a Private Loan. ) Now our complaint-His bank account started missing {$200.00} more a month. They took his payment out without a notice nor his permission. I had written a letter to the Dept. of Education last year and recieved no response either. The letter follows ; XXXX/XXXX/2016 XXXX XXXX. account # XXXX Department of Education, My name is XXXX XXXX I am the mother of XXXX XXXX. who is applying for a Federal Student Loan XXXX Discharge. I am also including the form to be his representative. I normally do n't get involved, but I feel it 's up to me to convey some of XXXX 's XXXX and the problems with getting a Dr. to fill out your form. XXXX was born with XXXX XXXX XXXX, a dibilitating condition of under XXXX XXXX and XXXX with XXXX XXXX because of the XXXX. He has been XXXX XXXX since age XXXX when he finally had gotten his first XXXX XXXX. The reason his Dr. wo n't fill out the form is that it is a policy of XXXX Clinic in XXXX, Mn. that they do n't get involved with such matters as this. So I am proposing that you suggest a Dr. in XXXX who can perform a physical on XXXX and be able to get his records from XXXX to give you the documentation you need for your decision. Thank you for your time. Sincerely, XXXX XXXX XXXX XXXX 's only income is his XXXX ( XXXX ) check. {$930.00} a month. | ||||||
| 07/02/2018 | Yes |
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| 1. I applied for consolidation with Navient on XX/XX/XXXX. In the instructions for completing loan application and the Loan Application and Promissory, it explicitly states : under Borrower Understandings, Certifications, and Authorizations that " applying for a Direct Consolidation Loan and The U.S. Dept. of Education ( ED ) will provide me with the deadline by which I must notify ED if I want to cancel the Direct Consolidation Loan '' I was never notified of the deadline, Navient can not provide me with a copy of this notice. This has been going on for over two years. To further support, I have copies of letters from Navient to me stating " we are please to have been selected by the US Dept. of Education to service your student loans. '' The loans are listed with interest rates but the new interest rate is not specified, nor are the words loan consolidation. These letters are dated XX/XX/XXXX, the same date as the Consolidation Application. Then, 2. Also dated XX/XX/XXXX, I get a letter regarding repayment options, there is no Revised Pay as you Earn ( REPAYE ) offered in that letter. 3. In a letter from Navient on XX/XX/XXXX, they make several allegations that do not comply with their own documentation. They say I had 10 days to cancel the Loan Summary Letter. There is no 10 day cancellation notification in this or any other letter dated XX/XX/XXXX because there is no letter on that date. Letters were dated XX/XX/XXXX and make no mention of cancellation or he new interest rate. 4. Within months of the consolidation, the amount of the loan ballooned from {$48000.00} to over {$60000.00} and Navient laughed over the phone and couldn't explain why. To recap 1. Navient consolidated the loans without my permission and they repeatedly lied about documentation notifying me of cancellation. I have documentation to back everything up. 2. They never offered the REPAYE. And they lied about dates it was offered. 3. They refused to unconsolidate the loans and pretty much said there was nothing they could do. 4. They can not explain the exhorbitant interest rates applied to the loan that increased the debt by {$12000.00} in a matter of months 5. It has been 2-1/2 years and I am still looking for answers. I have exhausted and tried all avenues and no matter what I say, do or show, logic and common sense does not seem to prevail. | ||||||
| 02/03/2017 | Yes |
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| I 'm a Navient customer I went to XXXX College XXXX which lied to me about their accreditation. I did not find out that they were not accredited XXXX until I applied for my XXXX Degree at another University. I was denied due to the non-accreditation. Apparently, XXXX College was only accredited by XXXX at the time which most Universities do not accept. However, I was making payments on time for about two years on Federal and Private Loans. All payments were current and fully paid. Without my knowledge or approval Navient took my private loan from XXXX. I did not learn of this until I noticed that I was no longer receiving my billing statement from XXXX. I then made calls and was then informed that both accounts were being serviced by Navient and I was delinquent. I called Navient which worked out a payment plan to bring my account back to good standing. I asked for the XXXX seperate account number so that I could write a check to both accounts each month. Navient refused to give me XXXX seperate account number of both accounts. They told there was no need and that they would split the payment. I agreed and complied with their instruction to send a single check for both loans. A few months past and then again I was notified that I was delinquent. I called Navient again and they informed me that I had not made a payments on my second loan. I repeated to the representative what I was told me on the previous call, to send a single payment for both loans. I was then told that those were incorrect instruction. I told him in full and complete compliance of what the representative told me. I informed him that previous agent gave me disinformation and asked to remove all late fees, any penalties, and to restore the original interest rate. They refused. I asked for a copy of my signed contract and they refused. I was so angry I hung up and I refused to pay as I felt I was being taken advantage of and scammed twice by Navient and by XXXX College XXXX which claimed to have a 95 % success employment rate in the industry. These are all lies to steal money and entrap students in unfair high penalty loans. I can not find a job in the industry as I 've applied over a XXXX positions. This is really has destroyed my confidence in our society. I live in deep despair, mistrust, and hopelessness each day. I wish no one else to go through this. | ||||||
| 07/06/2023 | Yes |
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Web | Servicemember |
| I have had my FEDERAL Loans forgiven that were issued for a BOGUS degree by DOE. Per CFPB, Private Loans discharged under XXXX XXXX are not collectible. Navient illegally and unethically charged subprime interest rates on Private Student Loans, Collected on Private Student Loans after bankruptcy XXXX XXXX entered in XX/XX/2015 and Discharged on XX/XX/2015. They lied about forbearance and also about removal of US Veteran co-signer. They said I had to pay on these Private Student Loans even after XXXX XXXX. I opened complaints with the XXXX, Fl. Atty General, and PA attorney general, about what the CFPB has ordered Navient to do per the following : " CFPB examiners have apparently uncovered that certain loan servicers have been unlawfully sending discharged loans back to collections after bankruptcy courts had discharged them. The CFPB is directing these loan servicers to return any payments that were illegally collected from consumers and immediately stop using these illegal collection tactics '' I paid on the 2 loans exorbitant interest rates and would never see the end of the loans because Navient continued to adjust the subprime rates on the 2 Private Loans, seeing no end in sight to these Private Student Loans, and after my 3 year bought with XXXX and procedures, I had to enter into XXXX XXXX hoping to get a fresh start, yet these people continued to call and pressure me while I was trying to recover from my procedures and financially after XXXX XXXX. They close the complaints without even looking at these deeming these Duplicates. As per the CFPB order NAVIENT must return any payments that were collected after XXXX XXXX Discharge. I am once again attaching evidence of their subprime interest on these loans whose origination amount were nothing compared to the interest and fees they placed on these loans. Navient as per the CFPB needs to return all funds collected post Bankruptcy filing. Once again I am attaching all documentation on the 7th complaint I make on this. This was also referred to the XXXX, the Attorney General for PA and FL, and sent to those in process of the pending class action. Navient collected these funds illegally and closing this as duplicate without a resolution is unethical and illegal since they owe me these monies. They have illegally closed prior request to avoid refunding my monies. | ||||||
| 01/19/2018 | Yes |
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| Hello! I graduated in XXXX. Months prior to graduating, I requested to consolidate my 8 private student loans. XXXX XXXX, at the time, told me I had to wait til I graduated to our so. Upon graduation in XX/XX/XXXX, XXXX XXXX told me they NO LONGER consolidated. I participated in forbearance after forbearance because the amount requested that I pay was over 1200 a month and I worked as a XXXX XXXX XXXX. In XXXX, I lost my job and was given NO relief. I would send {$50.00} a month just to pay something and my credit suffered tremendously. My struggle/fight with XXXX XXXX began in XXXX and still goes on today. My credit remained effected from XXXX til literally last year, even though I was making my monthly payments. A few years ago, I actually hired a company to help me fix my credit and deal specifically with XXXX XXXX/navient.For the past 6 years I have worked for a XXXX XXXX and have had to report my credit problem specifically with XXXX XXXX because you must keep your credit score at a decent level to maintain your job. Even in getting this job 6 years ago, I had to write a letter to the agency that I 'm currently employed, explaining why my credit was so terrible. And it was all having to do with XXXX XXXX/navient. They were able to investigate what I stated in my letter and found truth in it and waived the credit requirements and offered me the job. I am writing to ensure that I am included in the lawsuit being filed. I 'm not sure what documents that I have but I know I have dealt with you all in the past. My last name may have been different at that time. And I 've also had dealings with the " financial advising '' third party company that supposedly woed with XXXX XXXX and would help me and woukd recommend payment plans, etc. I spoke with them, told them my situation and they stated that there was NO WAY YOU WOULD BE ABLE TO PAY WHAT THEY ARE ASKING WITH THE BILLS YOU HAVE. well, I spoke to XXXX days later and that company allegedly reported the exact opposite and that was well able to pay what XXXX XXXX/navient was asking. Please let me know what documentation is needed. I 've been dealing with this for so long I 'm not sure all that I have. But I truly want to be part of the lawsuit. I 've even through the ringer with XXXX XXXX for too long and have been through too much with them in XXXX and even up to now. | ||||||
| 09/03/2021 | Yes |
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| I would like Navient to remove the 9 missed payment remarks on my student loans they placed in error. Navient failed to place me on an approved deferment for my student loans in Fall of XXXX semester, billed me early due to this inaccuracy & then placed 9 missed payments on my credit report despite this being their error. Due to them failing to place me on deferment they approved, I was hit with a large bill early that I could not pay & they inaccurately placed 9 missed payments on my credit report when I should have never had this billed this early. Below is my letter to Navient with more detail : Dear Recipient, My name is XXXX XXXX & I am a customer of Navient during my tenure at the University XXXX XXXX. I am reaching out to dispute the 9 late payment remarks on my credit report by Navient. I am disputing these due an error of the payments. At my time at XXXX in Fall of XXXX, Navient failed to put me on deferment following my request approval below attached. I was at least half-time per below of XXXX definition & my transcript attached. Navient failed to put me on my deferment for 6 months & you began billing me. On a side note, I had to testify & be involved in a months long court case in XXXX, GA where XXXX XXXX XXXX XXXX XXXX XXXX so I was completely unaware of this Navient error. I began being billed XXXX which would not make sense with my deferment. I stated this was an error & I shouldnt be billed & I continued to be billed through XXXX at this inaccurate amount. Despite my claims of the error, my bill went up to over {$700.00} on XX/XX/2018 which I could not afford that inaccurate bill : My billing should have started on XXXX on your deferment forms on your website & I was hit with 9 late payments on my credit score for not paying this inaccurate amount made in error by Navient. I am now looking to buy a home & these 9 late payment amounts are ruining my life plans. This was an error by Navient not registering my half-time deferment & billing me an inaccurate date/amount that I could not afford. Can you please remove these 9 late payment remarks because this was all created in error. If I had my first bill on the right time around XXXX, 2018 I would have made the payment, but Navient had major errors in the amount owed. I have attached all material needed in this letter. Thanks, XXXX XXXX | ||||||
| 12/12/2018 | Yes |
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| In XXXX I defaulted on a student loan. I requested a forebarence form which I never received and my loan was sent back to the department of education. Around XXXX I made 2 payments to the department of education. They requested my 1040 tax form to enter me into a payment plan. I send it in to the address they provided in XXXX ( uncertified ). I did not hear from the DOE until XXXX XXXX XXXX send me a letter on XX/XX/XXXX. When I called the DOE they said they never received the 1040 tax form and considered my account in default. I filled a complaint at that time with the DOE because not only was I concerned my account was put into default I also was concerned they lost my 1040 tax form. To this day I have not received a response to my complaint. Sequence of events : XX/XX/XXXX - received initial letter from XXXX XX/XX/XXXX - I called company and was deceived into beginning the process of the loan rehabilitation program. They made me lock in a payment and auto withdrawal payments going forward. XX/XX/XXXX - After realizing I did not have to make payments on a loan I disputed, I sent a certified letter requesting validation of the debt. XX/XX/XXXX - Certified letter received by XXXX *Through the month of XXXX they continued to call me although they were supposed to stop all collection efforts, collection efforts ceased after I filed Attorney General. Although calls have stopped after XX/XX/XXXX, they continue to attempts collecting the debt by sending me request to sign up for the rehabilitation program. Around XX/XX/XXXX I filed a complaint with the department of education and have not heard back to date. I also filled a complaint with the attorney general. The attorney generals office sent them a letter and XXXX sent a letter back stating they never told me I was going to have my wages garnished {$1600.00} per month. They also said they would send validation of the debt once they received it. It's my understanding that the document they attached to the letter they sent the attorney general does not qualify as " validating '' a debt. There is not even an amount on it! When I called the school, I was told their records show the amount of the loan I took out was a little over {$2500.00} but their letter says it's $ 40,000+ but they can not provide me with anything showing that to be true. Thank you, XXXX XXXX | ||||||
| 12/10/2018 | Yes |
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| On Saturday, XX/XX/XXXX I got a notification from my bank that my account went into overdraft. I was charged fees on top of the overdraft. I checked my account to see what caused the overdraft. To my dismay, it was a auto debit check from my private loan from Navient charging me about {$440.00}. My normal payment on the XX/XX/XXXX is around {$270.00}. I was confused and angry but could not speak with the company because they were closed on the weekends. Monday morning around XXXX XXXX I called the company regarding the matter. I told them that I was not notified of a payment increase or a change in my rate reduction program. The person on the phone name was XXXX and she was very rude. She argued and told me I signed up for this and they are allowed to debit whatever amount. I was trying to explain to her that I was not notified, but she said well it was taken out of your account since last month. When she told me that I checked my account and saw that she was right. About {$440.00} was taken out automatically by check and then for some reason I paired them {$270.00} on top of it. Because she was SO rude I asked to speak with someone else. This person, XXXX, wasnt AS rude but she was not empathetic either. I asked her if I was notified that there would be a change in my payments. She said yes and told me to hold on and it took her almost 2 minutes to look. She stated she couldnt see when I was notified by it should be in my statement. I asked her how am I supposed to know when my rate reduction program ends without notification from the company? I also was confused because I did receive an email from Navient stating my program was ending XX/XX/ and my payments would be increased in XX/XX/. I submitted an updated financial statement and e-signed it. I never received a call back from Navient about that. I did not receive any notification notifying me of an increase starting in XX/XX/XXXX. She claims one of my loans ended in XX/XX/XXXX but couldnt explain to me when would one end and not the other when I signed up for the rate reduction program and the same time ( I think in XX/XX/XXXX ). I also asked her to take me off of auto debit because of this matter. She never notified me that I would be charged {$23.00} to end auto debit. This company is not professional at all and I wish I never signed up when starting college. | ||||||
| 07/15/2015 | Yes |
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| XX/XX/XXXX, in a good-faith effort to repay a private loan at XXXX XXXX, I scheduled XXXX individual payments of the minimum ( {$87.00} ) to coincide with my pay-days so I knew I would be able to cover them when they came out of my bank account. Around the same time that XXXX XXXX switched private loans over to the newly-branded " Navient, '' they started reporting my loan " past-due '' to the credit bureaus. My scheduled payments were set up to pay my minimum balance through XX/XX/XXXX. XX/XX/XXXX, I received notice from Navient claiming that I missed XXXX payments and my loan would be defaulted upon if I did not pay {$1500.00}. I have called Navient and been bullied and abused by a supervisor their collections department. He would not offer me any forbearance or repayment programs, and insisted the only way for me to avoid default was to pay the full balance due immediately. I did not and do not have {$1500.00} to pay Navient ( or anyone else for that matter ). I explained to him that I never should have been reported delinquent in the first place because I had automatic payments set up to withdraw the minimum due on my account for XXXX months when Navient started reporting me delinquent. He continued the abuse and refused to help me. I called back and spoke to the agent assigned to my case ( XXXX XXXX ) and he was more helpful, listening to me when I explained that I should never have been reported delinquent in the first place. He agreed that Navient made mistakes and should not have reported me delinquent while I was in the fifteen-month program but claimed he could not rectify that himself. He offered me the option of paying {$32.00} to " roll-back '' my account to " avoid default '' or to pay {$120.00} minimum ( a " 1 % interest rate reduction '' ) on a XXXX month payment plan to bring the account back to good standing after XXXX months of on-time payments. Navient refuses to accept a payment from me that I can afford. I made a good-faith effort to make my payments and set up recurring monthly payments with them for fifteen months and still they reported me delinquent before that program ran out. I want to set up payments I can afford. I have {$160000.00} of student loan debt and I can not afford the minimum monthly payment of {$120.00} they offered me and they refuse to offer me anything I can afford. | ||||||
| 04/20/2016 | Yes |
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| A loan was supposed to be placed in in-school deferment and was not, despite assurances from Navient that the loan qualified. I contacted Navient both through their online form submission system, and via phone call prior to or shortly after enrolling in my final classes for graduation XX/XX/2015. ( In school period was XXXX 2015 through XXXX 2015 ). It was then reported delinquent to credit bureaus and has destroyed my otherwise good credit. I have a long history with student loans through XXXX XXXX / Navient and have had a great record of payment. I have attempted getting this resolved through Navient and have been told incorrect information, had the phone call disconnected, not received return phone calls or emails, and have had a dispute outstanding with them for over two months. Most recently I was transferred to work the dispute with their customer advocacy team and have experienced the same slow and lacking communication, no follow up on their promised deliverables or timeframe, and a complete misinterpretation and misrepresentation of the initial dispute I filed with them. This is causing extreme financial hardship as I have sold my home and am unable to qualify for a new mortgage because of the incorrect delinquent reportings on the student loan accounts. It has also caused financial hardship to the co-signers on those student loans. In addition to the in-school deferment issue, there was also an issue where several requests for due-date changes were never applied to the account thus resulting in additional delinquency reportings despite my best efforts to keep the account current. When the account was transitioned from XXXX XXXX to Navient is when all of the issues began occurring. Nearly every phone call I attempted to make to Navient at the start of the issues was transferred several times, often the call was disconnected, and I was provided incorrect assurances in several instances. I have never experienced a company so misleading and difficult to work with, and have never experienced so many technical and phone system issues. It is terrifying that they are in the student loan business. They have destroyed my credit, and I will be without a home and with no means of getting a loan in three weeks because of their inaccurate information and lack of responsive and responsibility in handling the situation. | ||||||
| 09/24/2015 | Yes |
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| My current lender is Navient, and my schools for undergraduate and graduate were XXXX University in XXXX, XXXX, XXXX XXXX in XXXX, XXXX, and XXXX University in XXXX XXXX, XXXX. Inhumanely, Navient has been calling me 8 to 10 times a day threatening me with default, but claiming to offer a suitable repayment plan that will avoid such action. When I return the call, I explain my situation : I am unemployed with health struggles that have left me XXXX to work for a certain amount of time due to, XXXX and XXXX. Despite this knowledge, as per their usual, they deny me a repayment plan. I have not once denied that I will pay, but their inconsistent influx of what is due has placed me in an emotional tailspin. Sometimes, they claim that I need to pay XXXX a month and can not go any lower, sometimes its is XXXX, and others times it is XXXX, causing me to assume that my payment really depends on whom they summon to their bidding. I have offered to pay each time, but they deny my money unless it up to par with their impossibly high demands. Sometimes these calls, are cruel and cold, as I am treated like a sap rather than an educated human being trying to avoid a lifetime of debt and credit destruction. They no longer offer me forbearance or deferment, nor anything type of assistance that can help me avoid default, despite their knowledge of my situation. When I asked for further information on my personal loan and what they have documented over it, they became distant and uninformative. I even struggled to get my username and password from them after I forgot it, and could not login. I have been placed in XXXX from this company that has veiled its destruction of me, and many others students, as helpful. They are cruel, cold, and calculated, and ignore my plights, despite having said that when I get a job, of which I am actively searching for, that I will pay more of what they desire, but can not do so right now and maintain livelihood. They have proudly announced, that despite all my efforts and attempts to comply, that I was not good enough, and they will charge me off. This information was told by my last Navient aficionado whom announced that the banks will buy my debt on a discount and really ruin me, as if I was to be grateful that a lesser evil is trying to spare me only according to its own whims from a greater evil. | ||||||
| 05/06/2020 | Yes |
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Web | Older American |
| In XXXX, Navient had a principal balance of {$21000.00} on 4 loans. I made payments of {$120.00} a month, with a certain amount of the {$120.00} paid to each loan. I pay through Navient.com. On that page it shows my payment that is applied to each loans principal and interest. I paid a few dollars above the interest showing on the web page for each loan. For the entire year of XXXX, I paid {$120.00}, even though the accrued interest for all 4 loans was {$100.00}. Not a single penny on XXXX went towards lowering my balance. In XX/XX/XXXX, I was hit with a {$980.00} increase in my loan balance to where my new principal went to {$22000.00}. This affected my credit report as a derogatory remark, even though I was making payments above the accrued interest on all 4 loans. I called Navient and they informed me that the additional charge was for capitalized interest that had accrued on the account and that for my payments to go down, I had to pay {$880.00} first before I could begin to see a reduction on my principal. This information was not communicated to me in a timely manner. I paid the entire year of XXXX without being notified of this amount of capitalized interest. There was no letter, email, or notification on the website if this accrued capital interest. So now I have a derogatory remark on my Transunion credit report, my total principle went up from {$21.00}, XXXX on payments of {$120.00}, which covered the accrued interest of all 4 loans. Then my principal balance went up to {$22000.00} in XXXX. Why was I not notified of the status of the principal of my student loans? Why no notification in a timely manner? Why was this capitalized interest increasing in XXXX not showing in my balance in {$2000.00}? Why was this capitalized interest not showing on the website in XXXX? Why was this capitalized interest, which was accruing in XXXX all charged in 1 month in XXXX? Why do I have to make a {$880.00} payment to even begin paying {$1.00} towards the balance on my student loans? I feel this a violation of the Fair Credit Act. I feel the services violated the terms set by notifying the borrower within 30-60 days of a change, an increase in the interest. I believe it is a violation that Navient did not inform me that an {$880.00} payment has to be paid this month before a single payment can be applied to my principal. | ||||||
| 11/13/2019 | Yes |
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| I was asked by my sister to co-sign a student loan to help her through school to become an XXXX when her husband ( now divorced ) refused to help his wife at the time. My role as co-signatory began in XXXX or XXXX with a loan that originated with SallieMae that was eventually sold to NAVIENT in approximately XXXX. There was one loan account with 2 loan group numbers. For simplicity I will refer to them as LOAN 1 and LOAN 2, which I would only consistently receive the monthly loan statement for the lesser of the two loans LOAN 1. I didn't even realize there were two loans until XX/XX/XXXX when the " Annual Cosigner Private Education Loan Interest '' report showed up for LOAN 2. Unfortunately, all of this came to light when my sister not only recently defaulted on the 2nd portion of the loan, but had also been continually delaying/forbearing loan LOAN 2 that has resulted in capitalized interest that ballooned an original loan amount of {$18000.00} to a recent balance of {$63000.00} as of XX/XX/XXXX. I was aware of none of this, until I spoke with NAVIENT on XX/XX/XXXX to obtain the balance information. Representative examples of the documentation will be included with this complaint, but as a co-signer I was not given full disclosure of the loan with the higher balance, but only received the " Annual Cosigner Private Education Loan Interest '' until she stopped making the payments, then the late payment notifications began arriving, yet NEVER a statement of the loan. I was able to monitor the lesser loan LOAN 1 with timed monthly statements from NAVIENT. Had I received the same level of information on loan LOAN 2 I would have been able to intervene on the careless delinquency of my sister 's pending default, and definitely before the loan ballooned out of control. I am disappointed in NAVIENT 's inconsistency with statement reporting and failure to fully disclose the information of the loan out of control, until the primary account holder, i.e. my sister, defaulted on her payments. Furthermore, there was NEVER disclosure of the interest rate or variability of the interest rate in any of the correspondence on loan LOAN 2 from NAVIENT. We are looking into legal counsel about predatory lending practice, but the concern here is lack of disclosure of all information consistently and effectively to me as the co-signer. | ||||||
| 05/15/2018 | Yes |
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| XX/XX/XXXX Sallie mae/Navients normal web page was down as far as making payments, and so the site redirected me to a seprate page, I made the payment, but apparently entered in an incorrect number for my account. I realized the mistakes days later when i saw no change in my balance. In realizing the potential problem I called to ask for verification that the payment went through, they told me they will put in a request and then never got back to me. Weeks later they call me with one of their automated systems telling me I was being sent to collections for not paying the amount due. At that moment i explain to them my having called previous to ask about it and then paid for both that month and XX/XX/XXXX. During XXXX XXXX weekend of XX/XX/XXXX, i recieved atleast 3 calls from sallie mae/navient to tell me my loan payment for the prievious month is late for somewhere between 200-400 dollars. This Automated system did this through the weekend even though when you go through the process during at that time there is no one at debt collection. Meaning every time I was xalled through that weekend it was just to burdun me and leave me feeling harassed! It wasn't till the week after that i was able to reach someone. And in trying to explain my situation to the operator on the phone, she was somewhat grough with me as i tried to explain the money was inappropiately allocated, and acted as if the issue was my fault. It took a second phone call to get someone to actually listen and see what their system did! During this time they also inconvenienced and harassed my Grandmother and Aunt who where my co-signers. When I called to ask about taking them off as co-signers they told me I would need to be in good standing of paying my loan for 2 years for that to happen, but at that time without the incident at hand that would have been the case. I have also had issue with there conduct as far as changing my loan payment schedule. Last year the loan payment due was well over 50 % of my monthly income, and in asking to lower it, they tell me I had no available opinions, and on one specific call to ask for assistance my call was dropped no less than 4 times, and sent to collections 3 times even though my account was upto date. And finally when I did get to finally talk to someone who actually took the time to talk to me. | ||||||
| 09/01/2016 | Yes |
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| on XXXX XXXX, XXXX - I proactively reached out to MSB ( Municiple Sevices Bureau ). I was given their information from the XXXX XXXX XXXX XXXX through which I had an outstanding fine. After calling MSB, I spoke to someone name " XXXX '' and explained my intention of paying my fine. After looking into her system and asking questions for personal information, she claimed she found my account. She then gave me a total amount of {$630.00}. I initially was taken aback because my fine balance was {$500.00}. I asked why the difference and she proceeded to give me confusing and contradicting information. She stated that they ( MSB ) received my debt back in XXXX and that the courts could have added additional fees. She later clarified that they received it on XXXX XXXX, XXXX. My confusion is because that 's when I was arrested and court fines and fees were later decided in the later part of XXXX. She also gave a date of XXXX XXXX, XXXX - which would make more sense. This led to additional questions from myself trying to understand what she was telling me. She asked if I wanted to dispute the amount and based on what she was telling me. I answered yes. This is when her tone changed and she became argumentative and abusive. She threatened to terminate the call because as she said " She do n't have time for this!! '' - this was said multiple times as she spoke over me. When I asked for her to not terminate the call and that I have additional questions - she continued with the statement of not having time for that. She then said that she gave me the phone # to dispute the claim and was n't going to answer any additional question. She was willing to let me talk to her supervisor and put me on hold - and of course I sat on hold waiting for an additional 45 minutes at which point, I decided to hang up. I feel that this agent had no right to use the disrespectful tone and threats that she used. I had every right to question the misinformation she gave me and I did it in a polite and professional manner. I 'm requesting a formal apology from this specific agent ( preferably via phone call ) and I also would like a copy of the voice recording of our conversation. I 've reached out to XXXX XXXX XXXX XXXX to request that they reclaim my fine and I will pay it directly to the court. I absolutely will not pay this fine through MSB. | ||||||
| 09/19/2017 | Yes |
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| I have reached out to navient 2 different times. Navient continues to try to collect payments for a school I didnt attend. In XXXX I attended Florida XXXX University that abruptly closed down due to bad business practices and accredidation issues. After closing it reopened under a new name called XXXX University and even though the same company XXXX colleges was over the new named school they still refused to except the credits from the prior school they shut down. I was unable to complete school because it shut down and no other school would transfer the credits over. I then started recieving bills from Navient trying to collect for XXXX University. I Explained that I never attended XXXX and that I only attended Florida XXXX University and that due to that school closing down while I was attending it qualified for loan forgiveness and that XXXX XXXX Florida campus on XXXX XXXX had shut down as well and qualified for loan forgiveness. I sent them my transcript that only shows Florida XXXX University but they continue to tell me I went to XXXX and that the schools code remained the same. Even if the school code remained the same the school still shut down. I then showed them on the federal website where everest is on the list for closed schools but they continue to say XXXX is open since at some point they opened another campus outside of XXXX in orange park, Fl on XXXX XXXX but even that location closed down and did n't even offer he same courses. I even asked them to show me proof of attending this school signatures or paperwork and to just simply validate this debt as law requires but they claim the records are stored away. Ive spoken to mangers and faxed papers and now they wont even return my calls, I finally spoke with someone name XXXX in XXXX XXXX and she emailed me a signed form that still said Florida metropolitan university. Navient has systematically and illegally failed me at every stage of repayment and has created obstacles so that I cant resolve this problem. They continue to provide me bad information. I want this removed off all three of my credit reports. While reading my most recent credit report it shows 3 seperate loans. One for from XXXX XXXX for {$610.00}, XXXX XXXX for {$2100.00} and XXXX XXXX for {$130.00}. I want all three of these loans deleted from my credit file with all 3 bureus. | ||||||
| 09/10/2015 | Yes |
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| Unfortunately I need to jump on the bandwagon to complain about collection policies of Navient Corp. Since being acquired from XXXX XXXX, this organization has repeatedly called home, work, cell phone numbers for me, my daughter, and my wife, regarding student loan payments advising we are delinquent, payments never processed, or partial payments missing, etc. We have and continue to make monthly payments as agreed to via their/our contract. We are not financially able to XXXX or XXXX our repayment amount, nor can we afford to make repeated duplicate payments when they misappropriate funds. Originally, we had selected an automatic payment withdraw from our bank account, which failed terribly as they made unscheduled withdraws for our bank account, leaving over-drafts on our account ; or the withdraw would not be registered to our account requiring us to make duplicate payments. We have since changed our payment to manual so we are able to process a monthly payment to record it has occurred on time. Almost daily we receive XXXX or more calls stating our account is delinquent - to the point this monotony has become harassing. I have repeatedly requested to speak to supervisors, or frankly, someone in a US office who can intelligently manage a call. My requests are ignored, and the individuals make threatening statements and hang up without resolving my questions. I know they will call again later in the day or next day, and the process repeats. This organization has damaged our credit ratings by identifying our payments are not current. We have requested written statements from this organization - they have NEVER sent any document from which we could coordinate a review. But the harassing calls continue. We teach our children the responsibility of securing loans to support college education, and reinforce the need to make timely and complete payments so they can move on in their lives after graduating with good credit ratings. This company has made the student loan repayment process a nightmare. Unfortunately I see multiple years of this nightmare ahead for my family as my daughter re-pays her obligations, and as my son XXXX in 2016, simply to begin his own torture. I have followed the potential lawsuit targeting Navient and applaud any efforts the CFPB makes toward resolving this lenders inappropriate actions. | ||||||
| 12/23/2018 | Yes |
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| 1st XXXX loss my hardship paperwork packet to have a forbearance of student loans, no one took ownership for it instead place my account with TN Dept of Ed for bad standing of my loans, which then landed my account with a 3rd party collection company which then sold my accont to another 3rd party collection company all this without one contact to me to let me know that I was ever in a bad standing with anyone. After I found out years later ( from missing money on my tax return and credit report pulled to see a Fed loan on it in bad standing w/ negitive marks/ points ) my loans was NEVER places in forbearance status.as I was told it would be ( only one of two options they ever gave me for my loan ). I called XXXX, TN Dept of Ed to find out what in the world was going on, after my repeated calls to XXXX, TN Dept of Ed for months NO one was welling to help me out or take ownership in their errors instead placed all blame on myself for everything that's happed and said I don't have a right to dispute the matter cause I signed that away when I signed for the loans to go to school and they have ever right to do everything that has happened to me thus far and will take my wages by garnishment. No one never once tried to fix their errors, recall my account from collections, or take ownership for the lost of my hardship paperwork they required for my forebearance instead advised me it was my fault I am now with their 3rd party collection company and they can not talk to me. My credit is effected poorly now, money took from my household ( a single mother of XXXX children ) that was over $ XXXX tax return from 2017 and the loans are still high due to the interest never stopped from day one til now ( when my account I was told was in forbearance years ago ) but never placed in that status with XXXX. XXXX side note a rep with XXXX even verified that I qualified for hardship in our call when I asked for another forbearance on my loan ( only two options i was ever given for help on my loan ) My account is still in collections and have stress for I don't know what next these people is going to do to me negatively to effect my household. I would have never tried to go to college if I knew i would be done like this and treated so poorly. Is this what the " American Dream '' is all about?! More like the " American Nightmare " | ||||||
| 09/14/2017 | Yes |
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| Hello my name is XXXX XXXX I have both private and federal loans with navient I previously went to XXXX XXXX who have recently closed for good on XX/XX/XXXXsince then I been inquriying information on the school closure discharge form that I heard about and once I found out about it I filled it out and sent it to navient XX/XX/XXXX since then I have heard nothing back from my services Navient and everytime I call and ask about I always get a different number to call. Then I was told the private loan I have does not qualify for that type of discharge when on the federal service aid website states that both loans can be discharged it does n't go into detail about what type of loan it just says federal and private. It 's hard enough trying to raise a family in today society on top of a school that promised job placement once graduating closes down where credits do n't transfer nor receive a certificate. When I attend XX/XX/XXXXXXXX I enrolled in XXXX XXXX which was one year and 4months to complete the program due to there poor orginazation i was told that they did n't have instructors to teach the two classes I need to receive my certificate but I can be switch to a XXXX XXXX program for 4 years and receive a bacholors degree. At the time I was frustrated about the change in course and not being able to complete my classes I chose not to do the 4year program. I do not believe it 's fair that I would have to pay a XXXX dollar loan when I was told I would receive a certificate and have job placement once graduated and now that the school I have no records of transcripts nor contracts that was signed. Going forward I believe this loan should definitely be discharge for false advertising and also because of the shcool closing. If I knew this process would be so depressing I would have never chose to go to XXXX XXXX which was a fraud school and anyone that attended and did n't receive a certificate should n't be forced to pay the balance nor does those type of loans have any options to help other then the 12 month rate reduction which is still a XXXX option if it 's a parent plus loan because it 's based on the parents income along with yours I need answers better yet would like to seen this XXXX dollar loan that I receive no certificate for no job placement nor credits transfer be discharged due to school closing. | ||||||
| 10/18/2016 | Yes |
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| Navient bought my federal loans from XXXX XXXX XX/XX/XXXX. Immediately i began having issues with them. My loan came out of a forbearence in XX/XX/XXXX and i filed the necessary forms to get an IBR ( income based repayment ) since i am unemployed. I mailed the IBR forms via usps with return receipt to indicate that they in fact received my forms. Two months later i received a notice that i needed to pay monthly on my loans. Nothing about getting an IBR. I called Navient right away and asked about my IBR. They stated they never received paperwork. I mailed it AGAIN. They stated they never received it. I talked to a supervisor and got a fax number and faxed the SAME paperwork via fax to the number the supervisor gave me. I followed it up with a phone call. They stated they never received it. I faxed the papers 6 more times and finally they received my forms. However, a week later, i call to check the status and they tell me the forms i used were too old. I told them they were the forms i printed out from Navient website so how can they be too old? The rep stated that now id need to cross out the date on the paperwork and date the forms within the last 6 months. So i fax it ALL AGAIN and they tell me they 've received it and my IBR will take 20 days to to process. The very next day i began receiving calls from a XXXX number which is Navient. They call my phone 6-8 times a day. I finally spoke to the rep and she tells me they want to help me with my student loans since they are out of deferment and my payments are now behind. I told the rep that i had just sent all forms and that i was told that my IBR was processing. The customer service rep says she has NO RECORD of any phone calls, any forms being received, nothing from me about the IBR. I asked the rep if they take notes and put the information in my account so that everyone at Navient is on the same page. She stated that they dont do that. So basically, ive wasted the last 6 months sending forms, calling, yelling, fighting with this company for nothing. They keep no record of anything and even if you speak to a supervisor, they still dont know whats going on with your account. They are not following the law, they are suppose to help borrowers who need help with repayments and offer them IBR/Forebearence where applicable. This is why Navient is being sued. | ||||||
| 02/07/2019 | Yes |
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| My complaint is about Navient. I have loans with them with two co-signers. I took out loans to attend college but I left college to go to XXXX school. My loans became due almost immediately after leaving XXXX XXXX. While in XXXX school I was not working and I was told that my Navient loan could go into deferment, however I was receiving calls about making payments to which I always responded that I am supposed to be in deferment. Upon completing XXXX school I could not sit for licensing because I could not pay the school loan and of course this became a horrible cycle. I could not get a job because I had no license and I could not get the license without paying back the school. In the mean time I let Navient know I had no income and was told I needed to do forbearance because my deferment option was exhausted. I had to pay {$150.00} to file a forbearance that lasted a month. Each time the loan came due and I wanted to file a forbearance I had to pay {$150.00}, which I had to borrow from family or friends. I was not given the option of an income-based repayment, which I found out later should have been an option. I was not offered an economic hardship deferment. There was no discussion about how to lower my payments Then in XXXX I asked specifically for a payment program that I could meet. The person I spoke to said I could send {$20.00} per month to avoid default. I sent {$20.00} per month for nearly a year before receiving a call from Navient stating that what I am paying is doing nothing for my account and I needed to pay more, which I could not afford as I was still not working. She said I might as well not send anything. Then I found out that I was actually kicked out of this payment program and my loan was in default. Navient began calling and sending letters and harassed my ailing grandmother who is almost XXXX years old. She is a co-signer from XXXX but now on a fixed income and sickly. She was so fearful it made her sicker but Navient would not help me to release her from my loan so that she would not be harassed. As stated above, in the end my loan went into default and then I started receiving bills from XXXX, XXXX XXXX XXXX XXXX, XXXX with what appears to be inflated amounts of each loan. At this time I am still trying to pay back XXXX XXXX XXXX to sit for licensing so that I can get a job. | ||||||
| 06/28/2020 | Yes |
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| Navient falsely stated in the prior complaint that they sent me a welcome letter. I never received anything from Navient until XXXX of 2020. Navient 's own responses to the first complaint prove that point that they were contacting someone else in XXXX, TN. Where did the welcome letter go? Who did they send the XXXX [ the prior loan servicer ] information to? Did they sent the welcome letter to XXXX, TN. Again, I have never resided there!!!!!! I have never resided in the XXXX at all. How could I update a company about my address and I knew nothing about Navient or XXXX!!!!! All of my student loans had been deferred to to hardship. I would have handled this IF I RECEIVED ANY INFORMATION ABOUT THE ACCOUNT. Being truthful is the key. I have never received anything from Navient until XXXX of 2020. I told Navient that I did not, nor have I ever resided in XXXX, TN!!!!! Unfortunately, since I didn't receive an email, after receiving mail from Navient in XXXX of 2020, it reminded me of my complaint against Navient. XXXX XXXX Old Complaint ], since they had never verified sent any verifications to me, and they certainly would have never contacted me in XXXX, TN. That is not me!!! Since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX was given access to the account first that means information is being shared. I never logged into that account and entered that address as the representative stated when she provided me with a link to that account. That means not only was Navient sending person information to someone else they allowed someone else log into the account that is scary!!!! I told Navient to I was concerned about this. Verification was never sent to me. Now you have clarified that you or whatever reason sent mail to soneone else, they logged into the account and then they tired to get me to log into it after I saw the address information on the account that did not belong to me. XXXX During this time you report against my credit too while you send mail somewhere I never lived??? Your response said you mailed a welcome letter. What address did you mail it to? Why did I have to file a complaint against you, while you ignored me from XXXX - plus accept credit reporting!!!! Did you verify who that was in Tennessee before you gave them information [ written and electronic ] +-it 's appears not. | ||||||
| 10/21/2017 | Yes |
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| It seemed as though my loan never went down even when I was paying on time each month. The amount owed stayed very close to the total loan amount. At some point, due to the profession I am in, loan forgiveness may have been an option, and that was of course never recommended to me. Nothing was. Once they became Navient, they were very unwilling to work with me. I asked about lowering my monthly payments, explained my situation, and I was literally laughed at by not one, but three different employees. I asked what my options were, and they never informed me of a deferment, other payment options, forbearance or anything. I did not realize these were options for private loans until it was too late. I was spoken to in a very rude and disrespectful manner and threatened. They told me they would take my house and anything else to get the money if I did not pay it back. When I explained that I had XXXX children, and would the really put a family of XXXX out on the street rather than work with me, I was told yes. I continued to ask them to take a smaller amount than the monthly payment and they refused. I assured them that I just needed them to work with me, I was not refusing to pay. I eventually paid the amount online that I was able to pay. When someone called me back and it was discovered that I paid something toward the loan, they were again very unprofessional, and refused to work with me. The person I spoke to was very upset that I had made a payment. The following month when I was unable to make a payment, instead of working with me, they turned me over to a collection agency. I am now trying to come up with some type of arrangement, but the damage is done. I am absolutely dumbfounded by their lack of respect, professionalism, and willingness to inform their borrowers of options that were available, then throwing me under the bus the first chance they were able. In addition, the threats and disrespect was very uncalled for. My advise would be to never do business with Navient and XXXX XXXX. They are very unprofessional, and will do everything to get your money, trap you with not allocating payments correctly so that your loan stays at a high unpaid amount, then not work with you and provide all of the information and options when needed. Please learn from my experience and stay away from this company. | ||||||
| 11/27/2017 | Yes |
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| My credit report shows 4-5 separate loans from Navient with unsatisfactory payment history. This has adversely affected me and is now preventing me from obtaining housing. In XX/XX/XXXX I experienced the devastating loss of my education due to XXXX XXXX school closure. Since that date, I have fought with the Department of Education, XXXX XXXX and Navient to relinquish the student loans. In XX/XX/XXXX I wrote the State, Local Government and the White House to enlist assistance in requesting the compliance of the Department of Education, and Navient. Afer involving additional parties, the loans were relinquished due to the school closing however, the late payment history is still reflecting on my credit report. I have requested that payment history be removed from my credit report and have not received any form of assistance in this process from Navient or the Department of Education. I am requesting that all payment history be removed from my credit report as their was never a debt owed to the Department of Education, Navient or XXXX XXXX. I was unable to use the education I obtained, did not receive a diploma for the education I completed or any form of benefit from attending school at XXXX XXXX. I was unable to receive employment as a result of the school being unable to provide any forms of documented proof of externship or completion. I feel that i should not be held responsible for payment history on an account that did not provide services. I have taken a devastating loss of my education and have been forced to pay for and complete courses through a XXXX college to obtain the education I previously obtained through XXXX XXXX. I attended over a year of school with ACT college while pregnant with nothing to show for it but non-payment history of a loan that should have been relinquished in XX/XX/XXXX. I am requesting your assistance in gaining the compliance of the Department of Education and Navient to remove all history of the student loan from my credit report. It is unjust that I am penalized for the school closure when I upheld my responsibility to ACT College. ACT college could not/did not provide me with the services I was being held accountable to pay therefore, the late/non payment history should be removed from my credit report. Thank you for your assistance in resolving this concern. | ||||||
| 07/27/2016 | Yes |
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| Follow up to Case # XXXX against student loan provider, Navient 's, negligent, deceitful, and potentially illegal/regulatory non-compliant practices that are harmful to borrowers and destructive to fair trade. Complaint # 3 I have documentation and cause to suspect that Navient 's internal controls or lack of sufficient controls are in violation of revenue compliance regulations and XXXX requirements. During recent interactions with Navient while following up to my first complaint, I witnessed and discovered the following : ( 1 ) a lack of accurate and complete internal organization of my customer data, ( 2 ) incorrect or insufficient reporting to me of activities I knew from prior research Navient had administered on my account that had the potential of negatively impacting my good account standing and causing long term harm to my overall publicly reported credit worthiness, ( 3 ) insufficient employee training on how to obtain and communicate accurate and complete account information to me when I requested it, ( 4 ) improper protocol for timing and execution of data systems processes that impact revenue reporting in financial statements, ( 5 ) a massive series of emails and phone calls, separately to me and my husband, resulting from Navient controlled activities that caused me significant XXXX and possible public financial harm, either in fact or in appearance if improper negative reporting was issued to credit agencies about me ( because I still do n't know what Navient did to my accounts after I informed the customer advocate department on or around XXXX/XXXX/16 that my mother passed away that day ). After a series of contradicting communications from Navient via different channels, including poorly explained modifications to payment allocations in spreadsheets I downloaded from the Navient website, fluctuating information in written letters regarding my payment due dates and account status that have been delivered to me back to back within the same month, now spanning into three months, combined with conflicting and contradicting statements made over the phone to me by Navient reps attempting to explain activities on my account, to being informed that activities on my account were occurring remotely during the call and would be explained to me in a ground postal letter, that was never delivered. | ||||||
| 07/10/2020 | Yes |
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| I went to inquire about a car I have been renting and their buying options. I was informed that my credit score was below 500, which sounds odd because it was closer to 600 the last time I checked. I checked my credit to discover that the department of Education and Navient have been making reports to my credit which has taken my credit down by 100 points and more! One report from Navient took my credit score down 91 points in a single day! I have not had any communication with Navient to discuss repayment options even after the last disputes, which they were supposed to organize! I have no new loans with Navient yet they are continuously reporting missed payments to the credit bureaus almost weekly! In the duration of the covid-19 shut down and the CARES ACT ; the department of education has consistently made numerous reports to the credit bureaus, but when I contacted them to speak with someone who could help me set up a payment arrangement they continuously gather information, are condescending, not helpful, and try to get me to contact 3rd party collection agencies instead of dealing with me directly while Im on the phone. I do not wish to deal with 3rd party collection agencies when theyre the ones the original debt came from and theyre the ones who consistently make reports to the credit bureaus. This is unlawful practices! Theyre controlling my life and not giving me the opportunity to pay off debt. They make it impossible to set up arrangements and to re-establish my credit and it feels debilitating and hopeless. Navient keeps changing the dates of the supposed debt I have with them. I need to have all charges investigated and disputed from the department of education and from Navient, because something is not right and I HAVE to have good credit! Ive been working on my credit since last fall and I paid off some things. However, the level of student loan activity is absolutely absurd especially since I havent been in school for about 10 years. The debt from these 2 companies are mostly 8-10 years old and should not be bringing my credit score down so low! My credit score went from XXXX, which isnt that great to XXXX in less than 30 days and when I call these people Im SICK AND TIRED of dealing with their snarky nasty attitudes and their games! I would like to start an investigation immediately. | ||||||
| 10/10/2017 | Yes |
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| I want to file this complaint against XXXX XXXX Navient as support for the lawsuit that has been filed. I too, would like to sue XXXX XXXX Navient for their subprime lending practices. Heres the backstory, I graduated from XXXX XXXX in XXXX with approximately {$85000.00} in private loans from XXXX XXXX at the time. I was experiencing hardship and having a difficult time finding suitable employment in the recession. I needed to take something so I ended up working a retail job making $ XXXX hr. XXXX continued to harass me about making payments and I eventually enrolled in a forbearance. Years later, in XXXX of XXXX, Im finally in a position to make payments towards my loans. To my surprise, my private student loan debt ballooned to a massive {$160000.00} with XXXX loans originated at 10 % and XXXX of my highest at an alarming 14 %! They never mentioned the interest rate reduction program to me until I called in to start making payments in XXXX. It was as if they were hiding this program and using it as a last resort. I was very upset to learn that this option was available and was not offered to me when I initially graduated, which potentially could have saved me thousands in interest. Moreover, what initially sparked me to file this complaint is that I just spoke with a representative to renew my rate reduction plan and she state that instead of being able to lock in a lower rate for a whole year they have now altered the terms of this program to be renewed every XXXX months, which allows them to charge higher interest rates at a much faster pace than in the past. Every time a borrower renews under this plan their interest rate usually increases a percentage point until it reaches the regular interest rate charged on the loan. I feel like I am drowning in debt that I had no idea I was getting into. I am angry that I went to college only to find myself manipulated into high interest loans that have prevented me from purchasing a home and living the XXXX dream. I myself have thought about taking legal action against them, but I know that its difficult to fight student loan lenders and win. If Navient continues to deny claims of predatory lending, Id be more than happy to submit account statements dating back to loan origination. Should you need any additional information, please feel free to contact me. | ||||||
| 09/07/2015 | Yes |
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| I originally got this loan from the XXXX XXXX of Florida, in XXXX, Florida. It was originally serviced by XXXX XXXX. I had no problem with XXXX XXXX up until they joined/split/sold my loan to Navient. Who then said that I had to renegotiate my payment plan, and that I could n't simply continue paying what I was paying XXXX XXXX. At that time I could n't pay what they were asking me to pay, so there was literally nothing I could do to make them happy. I have continued to speak to them since the beginning of this year to try to set up a new payment plan and every time I try they always come up with some astronomical payment that I simply can not pay for. They say that it 's because my dad is my cosigner and that he should be able to pay for it if I ca n't. Most recently they have told me that I am so far past due that they can no longer set up a new payment plan for me because I 'm already getting " the lowest rate possible '' and if they were to change anything else on my loan that it would actually make the payment more, which totally makes sense, right?! I even point blank asked them, what makes them think that if I ca n't pay the lower {$100.00} per month payment, that I could POSSIBLY pay the actual monthly payment they want which is over {$160.00} per month?! It 's just NOT POSSIBLE! However, they continue to say that it is, even though in doing so would leave both my AND my father with just bout {$5.00} per week of spending money. Every time I call them I either get hung up on, transferred so many times that I have to give up, or am basically treated like some second class citizen and they are extremely rude to me just about every single time I speak to them. I literally do n't know what else to do. They have ruined my credit so I ca n't get another loan to pay them off with, I ca n't get another credit card for the same reason, and I just do not know what my other options are! I 've told them several times that I can pay the lower monthly payment, which would be {$100.00} or less per month, which by the way is STILL {$20.00} MORE than I am paying the government for XXXX other federal loans that I am paying on! They still will not accept my {$100.00} per month! They refuse, saying they can not help me! That is obvious that they ca n't help me! They can obviously only help THEMSELVES to MY paycheck! | ||||||
| 03/07/2019 | Yes |
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| I attended XXXX XXXX University from the fall of XXXX to the spring of XXXX and graduated with a BS in XXXX XXXX. After graduation I accepted an industry position and began my new career in XXXX of XXXX. After an automatic deferment of six months on my loan repayment I entered an income-based repayment ( IBR ) plan that allowed me to make payments while supporting my wife and twin sons, all without incident. When it was time to renew my XXXX in XXXX I followed the same process but my payment status was left unresolved for several months despite regular attempts to contact the company to resolve the matter. By XX/XX/XXXX I was receiving notices that Navient required payment but would not accept my XXXX application with no explanation as to why there was an issue. By approximately XXXX of XXXX my IBR was approved and I began payments again, but Navient had placed XXXX day late payment marks on my credit report during the time that my payment plan was in process. I worked with the credit reporting agency and Navient to resolve the issue, and eventually Navient agreed that my lack of payment was due to process errors on their end, but for some reason they have only removed the marks for the 30 and 60 day late payments on my XXXX report. Please see the attached document showing a 90 day late payment in XX/XX/XXXX but ( document titled 'XXXX Navient Payment, ' red highlight from me ) but no payment issues on XXXX and XX/XX/XXXX. I have been unable to retrieve documents from either XXXX or Navient showing the previous status, but credit reports don't generally show a random 90 day late payment mark in an otherwise satisfactory payment history. I have contested the 90 day late payment several times with both XXXX and Navient, while the XXXX staff have been friendly they appear to be unable to do anything more than contact Navient as part of the dispute and receive a form letter that says that late payments have to be noted on credit reports. Please see the attached document labeled 'Navient Form Letter ' for the last of these letters I received from Navient while disputing on my credit report. That is literally all of the contact I have been able to document from their organization. At this point I can't even log into their system to find historical documents and can't receive customer assistance in any form. | ||||||
| 08/04/2018 | Yes |
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| Over the past 12 months my monthly payment for my private student loans through Navient have steadily increased. On XX/XX/XXXX my monthly payment was {$740.00}. By XX/XX/XXXX, the amount increased to {$750.00}. The amount increased again just this month, XX/XX/XXXX, to {$760.00}. My loans are private and have a variable interest rate so I do understand that these rates will fluctuate from time to time. However, prior to the past 12 months, rates only increase once a year and it has a tiny effect on my monthly payment. Now it feels like every month when I login, I'm paying more and more and more. I called Navient back in XX/XX/XXXX for some clarification on the matter and the female service rep who took my call coldly replied, " we do not set the interest rates ''. Duh! I know that but I was seeking insight as to intangibles that could be possibly make my payment increase every 2-3 months. I'm certain interest rates are not changing THAT often. When I explained this to the rep, she again replied, " We do not set the interest rates ''. She was no help at all, nor was she trying to be. Additionally, in XX/XX/XXXX, I lost my job and reached out to Navient for assistance with paying my loans. A deferment would have been most ideal for my circumstances as I was living off my last paycheck from work and very little savings. The customer service rep did not offer me a deferment. Nor were they willing to help me get a lower monthly payment based on my current income. I was told my ONLY option was to do a forbearance and that in order to obtain such for 3 months I had to pay a {$150.00} service charge. Why am I paying you {$150.00} to forbear my loans? If I'm struggling to pay my current loan amount, what makes you think I have {$150.00} extra dollars to give you? Out of desperation for relief, I went with the forbearance but the entire the rep processed my payment over the phone I felt cheated. I knew I was been mislead and taken advantage of ( as if owing {$34000.00} in student loans with an 11.2 % interest rate isn't bad enough ). I can only imagine what other borrowers may be going through. To be clear, I have no problem paying back my student loans. They allowed me to invest in myself and further my education ; however, I would like to be treated fairly in the repayment process, which I feel I have not. | ||||||
| 10/01/2019 | Yes |
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| I had student loans with Navient. When I was started receiving my bills, they wanted me to pay over $ 700/month. I did my best for a while but, as a new grad with another private student loan with Sallie Mae, a federal student loan to pay as well AND living in XXXX ( with very high rents ), I was nearly zeroing out my bank account trying to pay that. I called Navient on numerous occasions attempting to see if I can do an income-driven repayment plan but they kept telling me that the particular loans that I signed up for were not eligible for income driven payments and told me that my only option was to put one or all of my loans in forbearance ( as I had multiple loans ). If I continued to attempt to make the full payment, I would have defaulted so I felt that forbearance was my ONLY option. The forbearance would only last for 3 months so once it was up, I would call back and ask if there was a different payment option, which I was told again that forbearance was the only way to lower my payments. In addition, I was charged $ 40- {$100.00} every time I put the loan in forbearance. I called and asked on the following dates : XX/XX/XXXX where I was charged {$50.00} for putting the loan into forbearance, XX/XX/XXXX where I was charged {$50.00} again for putting the loan into forbearance, XX/XX/XXXX where I was charged {$100.00} this time for putting the loan into forbearance and lastly, XX/XX/XXXX with another {$100.00} charge. They said these payments were required to put my loan into forbearance and would be going towards my loan anyway. Again, they never gave me any other option, which was extremely frustrating as I know those loans are still accruing interest while on forbearance and I had very high interest rates/larger loans. I attempted to talk to a manager/supervisor on one of the calls and that seemed to be a waste of time. Ultimately, I ended up getting fed up with their tactics of forcing me to put my loan into forbearance so I was able to refinance my loans with another company ( XX/XX/XXXX ) but it was not fair to be forced into something and have so much more interest accruing. Very frustrating to look back on and now read all of the stories regarding the law suit, since I went through the same thing. A massive lender like this should NOT be allowed to take advantage of people like that. | ||||||
| 02/01/2019 | Yes |
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| This company is horrible. My complaints are consistent with the lawsuit being filed. I constantly receive contradictory information from different representatives and have been constantly encouraged to enter forbearance periods. Every time I present my situation to a representative they have a different version of what is the best option for me though my situation and presentation of it has not changed. The ultimate response I always get is that " If I can't afford the payments I should enter forbearance until I can. '' This occurred even when I stated that I want to find a way to make payments. On multiple occasions representatives have hurried to get me off the line with promises that a coming email would explain things. Those emails ( on at least two separate occasions ) never came. When I finally convinced someone to walk me through the IBR plan and what to submit, I was told that everything was set and that my new payment would be $ XXXX/month beginning XX/XX/2019 and that an email would confirm that on the XX/XX/2019. I asked repeatedly if the company needed anything else from me and was told no. No email came and when I called today ( XX/XX/2019 ) I was told that my application was denied because they did not have proof of income. I told them they did and pulled up the document. They stated that I did not write the pay frequency on the stub. I informed the representative that I was told everything was good and that the paystub indicated clearly how often I get paid which is every two weeks. The representative agreed and stated that she could could see that, but that the company wanted a handwritten explanation on the stub itself and that I would have to resubmit the form. I asked to speak to a supervisor and was informed again that " the due could be extended '' or I could " enter forbearance '' if this was too much for me. I'm exhausted from dealing with this company. They are unclear, unfair and not about the well being of their customers. Their policies are confusing and inaccessible and their representatives constantly encourage options that ultimately cost consumers money. I'm filing this complaint because I want accountability. The student loan scene is all but a crisis in this country and someone should hold these companies accountable. Please contact me if you have further questions. | ||||||
| 10/21/2023 | Yes |
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| Navient has failed to send out consistent payment reminders. They claim that they did their due diligence to reach out but I do not receive any correspondence. They claim to have sent out letters but we do not receive written correspondence. They have different emails on file and none of them are correct. They also call from unknown numbers that are marked as spam and do not leave any voicemails, therefore I never know who is calling me and for what reason. They also have it documented that they do not leave voicemails when I call and I have been told in the past that they are not permitted to do so. My credit score, and the credit score of my co-signer, has dropped significantly due to Navient reporting late payments. But I am unsure how they expect payments to be made if they are not sending out notices to the proper sources of contact and are not leaving any sort of voicemail correspondence. We spoke with them as of Wednesday, XX/XX/XXXX, and they have claimed that they did their due diligence to reach out but this is highly inaccurate as every ounce of information is wrong. In addition, an agent from one of the calls made on Wednesday offered to send information via email to file a dispute through a credit union. It is now Saturday and that email has still not been received. I called twice Thursday to follow up. Thursday morning at XXXX XXXX I was told that they will be sending it to an email that should not be on file - I asked them to change the email and they said that would be a XXXXXXXX XXXX process to change it and then another XXXXXXXX XXXX to send out the email with dispute information. I said to leave the email as is so I could just get the dispute information. I called again on Thursday at XXXXXXXX XXXX as information still has not been received. I was told that this was due to not being signed up for email notices ( no one mentioned this to me in the last two calls ) and that they would set that specific email up for it. I was supposed to receive an email within a half hour from that call confirming some setting changes and then the dispute email in another XXXXXXXX XXXX. It is Saturday morning and I still have not received that information. I will be calling again Monday morning as soon as they are available and will have to call every XXXXXXXX XXXX if the email isnt received. | ||||||
| 02/14/2017 | Yes |
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| I cosigned a XXXX study loan for my daughter, XXXX XXXX, in XXXX. It was originally with XXXX XXXX. She passed the XXXX just as the economy crashed and lawyers were not being hired but being released. She started taking court appointed cases in an effort to make some kind of living and has been doing that ever since but barely squeaking by. I have been paying on the loan for 6 years. When it was with XXXX XXXX, I paid {$75.00} a month which was fine when I was employed but once I retired I had far less income, approximately 40 % of what I had been making. Navient took over my daughter 's XXXX loan two years ago and continues to hold it. This past year they let me be in a rate reduction program where I paid {$90.00} a month and more of the money went to the principal. They informed me this year that I no longer qualify because I had opened new lines of credit. XXXX being, the purchase of the park model which we purchased to live in. The other was a credit card that I had opened at XXXX XXXX at XXXX because by doing that they gave me 20 % off of a XXXX gift. I have a small payment left to make to them and it will be completed and I did cut up the credit card. They also noted that we had leased a new car. We had a XXXX truck with XXXX miles on it that needed major repairs. The car dealership took our truck and used it as a {$2500.00} down payment on a car lease. Since we needed transportation we figured this was our best option. Obviously it was not a good idea but at our ages ( XXXX & XXXX ) we ca n't walk. My husband and I have always maintained separate checking accounts and we each have bills we are responsible for paying. My husband did not co-sign the loan with Navient but they told me last week his income needs to be considered in the new payment they are asking me to make which is XXXX. The original loan was {$15000.00} and now it is {$17000.00} and this is after I have paid over {$6000.00} in payments. According to them the loan accrues daily. I wo n't live to see it paid off I am quite sure. I am facing some XXXX with large co-pays, but they say that does n't affect my ability to pay them. I have been managing to pay them {$90.00} per month in a rate reduction program but that has been a struggle. At this point I do n't see that paying them and never having the amount reduced is reasonable. | ||||||
| 02/07/2017 | Yes |
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Web | Servicemember |
| I have submitted three complaints about XXXX XXXX XXXX, XXXX which issued a fraudulent Administrative Wage Garnishment to my place of employment. As a third-party debt collector, they do not have the authority to perform such an action. XX/XX/2016, after the matter remained unresolved, I called what I was told was XXXX. XXXX XXXX XXXX , XXXX claimed that it was operating on behalf of XX/XX/XXXX. After reaching agents in XXXX and requesting to be transferred to a site in the United States, it became clear that I was speaking with Navient, not XXXX. Navient claimed that it is operating on behalf of XXXX. Since Navient is not a guarantor, it similarly does n't have the right to issue an Administrative Wage Garnishment. I requested that Navient provide debt verification or validation. Navient has not done so. Navient is not the holder of a student loan account, and I have repeatedly informed Navient that I do not owe on student loans. The name provided for me is incorrect, and I have demonstrated what my legal name is. I feel that Navient is engaged in identity theft. Had I had student loans and had Navient fka XXXX served as the loan servicer, Navient would have needed to have provided me with payment stubs, the opportunity for IBR and PSLF, and some form of documentation. My only vocation has been a teacher ; therefore, there is no excuse for Navient 's claim that I have a defaulted loan. I have not signed any loan documents, and I did not receive any loan proceeds to attend college. It is not acceptable for Navient to represent itself as XXXX, and it is not acceptable for XXXX XXXX XXXX , XXXX to act on behalf of Navient, while claiming that it is acting on behalf of XXXX. I have filled out an FTC Identity Theft Report, and I want Navient held accountable for their illegal and fraudulent practices. People in this country are committing suicide and suffering from extreme poverty due to the actions of these hideous individuals destroying the financial and ethical fabric of America. The most recent fraud against me happened after erroneous information was listed in my credit report, and XXXX XXXX XXXX, XXXX accessed my information on XX/XX/2016. Although I am working with the Credit Bureaus to have this information corrected, action needs to be taken against Navient for its involvement in this matter. | ||||||
| 09/16/2019 | Yes |
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| Hello! I had 7 loans from Navient part of my student loan program. I graduated and was on the income re-driven payment plan, and then my plan expired, Navient called me, and I told them I would like to continue to stay on the plan, and they said that is fine. A few months later I look at my credit report and I see 21 Items as 90 Days late. 7 Late to XXXX, 7 Late to XXXX, 7 Late to XXXX. I contacted Navient, and they said I did not fill out a new form to qualify for the income re-driven payment plan. That's funny because the agent I spoke to never even mentioned anything about me having to fill something out. All she asked is if I wanted to remain on the loan. I never received an email about this either. They claimed they sent it to my old .edu email, but I told them previously to change my email, and they never did. I haven't had access to my .edu email which was connected to my account. I sent Navient two letters, made many phone calls and they still blamed me entirely that I am responsible for my student loans. They apologized for the agent not notifying me, but that doesn't help, if the agent told me that day I needed to submit a new form, I would have, instead of having 7 student loans late per credit bureau. I worked with a credit repair company and they didn't help at all, so I just lost a bunch of money for an entire year trying to fix this. I then stumbled upon several articles on nerdwallet and forbes that discuss navient being sued for several reasons and one of the reasons they are being sued are for the same thing i experienced. They do not tell their borrowers that they need to resubmit a form for the income re-driven payment plan. They are a terrible company and feed off postgraduates making mistakes. Navient has since destroyed my credit history. I will have 21 late payments just from them for the next 7 years impacting me. It will be hard to open any credit accounts or any loans if need be for the next 7 years, and they don't seem to care, nor do they acknowledge that they are partly responsible for this. Do not trust Navient as your student loan borrower. They will do anything to ruin your credit history, they will do anything to try and steal money from you, and they will most definitely not help you with changing anything on your loan. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX | ||||||
| 01/31/2022 | Yes |
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| On XX/XX/XXXX my credit score with top three agency 's was XXXX. The score is always around XXXX to XXXX depending on the day for the past 3 years. On XX/XX/XXXX Navient reported to the credit bureaus that the student loan was 120 days late which dropped my score XXXX points. I was devastated when I saw this change to my score. I recently had to move my Mom in due to the pandemic, because my other sibling lost his job and they all moved in with me. My Mom has hard time climbing the steps to enter the house. I am being denied a home improvement loan because of this drop. I contacted Navient about the payments and asked them if they could remove the late payment from my credit report. I also asked if there was a payment plan that would allow me to pay less than the {$800.00} a month that was due. The first thing the representative suggested was a forbearance agreement, I didn't want to use this as a result to remedy the situation, but was told it was the only way to bring the account current and would give me 3 months to catch up and be able to start making payments. I then asked why was the payment reported as late, when according to Consumer Financial Protection Bureau website states that Federal student loan repayments were on pause for interest and payments until XX/XX/XXXX so how was the payment late. The rep told me that was for Private loans only, I told her to please check that because I was just on the site and it's in bold letters that repayments were on hold until XX/XX/XXXX, so how can this be reported to the credit bureau as late. I asked to have it removed from my credit report and was told this was impossible as the credit bureau is the one he placed the late payment. We went back and forth until I hung up and called back and spoke with another rep. The next rep talked about a repayment plan that would lower the payment to half and start on XX/XX/XXXX. I asked her the same question about having it removed so I could qualify for a home improvement loan to make the changes to my house for a ramp, for my elderly mom to access the home. She told me the same thing that the credit bureau would have to remove the late payment, I argued that it should have not been reported late, when the XXXX deadline for the pause on payments have not occurred. I gave up until today. Please help me | ||||||
| 08/18/2021 | Yes |
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| I was working for the State of Maryland beginning XX/XX/XXXX, a qualified employer for the PSLF program. I sent in my certification forms for the program and I had been in touch regularly with Navient, who my loan servicer for my Federal Student loans. I completed my annual forms since the beginning to maintain my payments I received something in the mail that my account was transferred to XXXX XXXX as a result of receiving a PSLF employer certification form. I was confused as I have been completing the forms and my recertifications. I sent a copy in XX/XX/XXXX of my forms dated from XX/XX/XXXX to Fed loan who provided me with my eligibility statement showing I had only made 13 qualifying payments. They advised me that the previous servicer was who reported the qualifying payments. I contacted Navient and launched a complaint for a new review of my qualifying payments because I had been in regular contact with them and was unaware of any possible problems. I received a response letter dated XX/XX/XXXX that my account was transferred to XXXX XXXX on XX/XX/XXXX as a result of receiving a PSLF certification form ( as if this was the first time, but I digress ). It went to also say that my repayment plan had a series of postponement that did not qualify under the program. I am finally advised after all these years that my Payments were not qualifying payments from XX/XX/XXXX to XX/XX/XXXX because I was on deferment. I went back in my records and the earliest document I had saved was dated XX/XX/XXXX reminding me that my current 12 month IBR plan period will be expiring soon and to reapply before XX/XX/XXXX. So I know I had the proper IBR repayment plan in XXXX with Navient and PSLF forms were sent in from my employer. Why in XXXX was my loan transferred to XXXX XXXX when they say they received my employment certification form. I was XXXX so I asked the ombudsman if they could pull any recordings of my conversations with Navient because I had lost upwards of 18 payments obviously to a misunderstanding of some sort and how can we confirm that I was given the wrong information. It has recently come to light that there have been deceptive practices with student loan servicers and I would like a independent review of my particular situation because I feel that the payments should have been credited. | ||||||
| 05/18/2021 | Yes |
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| My wife and I borrowed money for college from the years XXXX. We both had Stafford loans and shortly after we got married in XXXX we began making payments on our student loans. At the time, it was " XXXX '' that serviced our Stafford Loans. Unbeknownst to us at that time, as young and inexperienced borrowers, we decided to consolidate our student loans together at 6.875 % and begin paying on them together. Well, it wasn't long after that that we realized we didn't have the money every month to make the payments we were required to pay and so we put our loans in deferment. Due to circumstances out of our control in the following years, we still were unable to pay on our student loans and we ended up putting them into forbearance not realizing that our loan balances were continuing to have interest appreciate on those balances. About ten years ago, Sallie Mae was taken over by Navient and we were told to put our loans in forbearance again. But by then, we had already accrued a ton of interest on our loans. We finally went into an XXXX plan while our loan continued to accrue interest and we made very minimal payments on the loans. The amounts we were paying were simply paying interest and we had no hope of any of that money every going towards any principal. Fast forward to XXXX where we are still making payments on these loans with no hope of ever paying off the balances. Navient has done nothing to help us figure out if there are other options to determine how we can ever pay these loans off. Our income is slowly starting to grow as my wife and I have had new jobs and we are watching our IBR payments continue to rise while none of these payments go to help us pay off any principal. Over the years, we have been pushed into forbearance before being given the option of IBRepayment, thus accruing ridiculous amounts of interest onto our principal balance and now, {$45000.00} worth of original student loans has grown to over {$94000.00} of repayment. Interest accrues daily and we still are watching our loan balance climb with no way of making a dent in the principal. If there is any way we can get some relief from this growing mountain of debt that just continues to grow ... we would be grateful. Navient has simply taken advantage of people like us in a needy situation and profited off of us. | ||||||
| 09/21/2017 | Yes |
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Web | Servicemember |
| Navient is my loan servicer. I say mine because it is under false information. I made inquiries several times about the Parent Plus Loan I took out so my daughter could get a decent education because she was young and they would not provide one to her. I felt like I was lied to and strong armed into taking the loan. No other place to turn to and wanted my daughter not to worry about it I have found myself in {$80000.00} debt for my daughter 's education. I was told several times that the Parent Plus Loan may be consolidated into her name once she graduates so she can build credit and the I would not be responsible for the loan. Only to find out that I ca n't do anything with this loan but have it weigh me down in my XXXX 's and I have XXXX other children that I probably wo n't be able to qualify for loans now because I was always told we could put it in my daughter 's name. Now, what do I do??? I have tried talking to several people over there and they are so rude and not understanding at all. When I was almost in tears about all this debt ... I literally could tell the Representative was talking to another agent and basically laughing at my situation. My back is up against the wall and would like to find out how I can be included in this lawsuit because the information I received was wrong and was given to me just so I would take out all these loans. What has America come to that I have to struggle this much just to put my daughter through school. The deceit and disappointment I feel in our system is enormous and has put me in a deep and sour mood towards our government and the fair Consumer Act. I was not only treated unfairly, but was deceived into taking out this loan that I thought could be eventually in her name, and lastly is the whole system. Every other loan can be either be forgiven or put in a income based repayment plan but the parent plus loan is always excluded. I feel like I am being punished because I signed a loan so my daughter could better herself and get a career because she could not qualify for a loan. I should never of been qualified with my credit. They took advantage of me and I want to file a claim against Navient, the Federal Loan system, and the whole college loan crooks that pray on good and decent citizens that will never be able to get out from under these loans. | ||||||
| 02/10/2019 | Yes |
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| Navient offers limited weekday customer service hours and their phone system malfunctions regularly -- their automated callback system hangs up on customers, and calls are frequently dropped while on hold. Literally every time I have ever attempted to recertify my income information to maintain my XXXX plan for another year, something has gone wrong resulting in me being accidentally placed in a new plan and subsequently overcharged by hundreds of dollars. Last year it took more than 5 lengthy phone calls with agents before I was finally enrolled in the correct plan. Agents provided misinformation or processed my requests incorrectly. This has resulted in late payments and deferments ( at the suggestion of Navient agents ) which will ultimately affect my ability to reap my Public Service Loan Forgiveness as a XXXX XXXX. I called in an attempt to seek help from an agent ( XX/XX/2018 ) to avoid these familiar problems for the coming year. I was refused help -- the agent refused to enroll me over the phone and simply told me what boxes to check in their online FSA form. Lo and behold, their information was wrong once again. We followed the agents instructions and both my husband and I experienced massive increases in our payment amounts despite the fact that we sustained only a very meager income increase from one year to the next. While our income is virtually the same, we collectively are being charged more than $ XXXXmonth more than we were charged last year, with no explanation. The most frustrating part about all of this is that I am routinely unable to access my statements and online communication regarding my federal loans ( today included ). No matter what browser or device I use, I am unable to access my inbox. It loads and loads and eventually logs me out or " expires '' / '' times out ''. This is unacceptable. I can not view my account statements. I can not see what new plan I've been enrolled in or how my new payment amount has been calculated. I am a XXXX XXXX XXXX working hard to repay my loans and my experiences with Navient indicate that, not only are they shirking their responsibility to help me continue to pay for my education -- they are actively hindering my ability to access information about my finances and maintain control over this very significant financial burden. | ||||||
| 09/25/2018 | Yes |
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| I took out a private student loan from Sallie Mae beginning in the XXXX School Year. My mother assisted me through the loan process because I was only XXXX years old at the time. We were told by Sallie Mae that we should take out one loan in Semester Increments in order to keep loan costs to a minimum and that I would not need to worry about repayment until after graduation. We were instructed to reapply each semester for the money needed for that semester, but that the money we were lended was only part of one total loan amount. Fast forward to graduation in 2009, when my loan came into repayment. I very sadly discovered that we had been deceived by Sallie Mae. The money I was lended each semester was not part of one loan but, XXXX separate loans with their own flexible interest amounts attached to each one! In my dismay, I had {$89000.00} dollars in debt dispersed between all these loans! That dishonesty on their part has made it nearly impossible to pay off these loans! Right out of college I began making large payments on the loans, but Sallie Mae would not allow me to make overpayments to specific loans. I spoke to them on multiple occassions in between XXXX and they said that they had to divide the payments equally between all the loans and that I could not specify an over-payment to one specific loan. This dishonesty also has made it nearly impossible to pay done the principal amounts. I have also had to call for assistance with optional repayment plans due to health issues and my husband 's job loss in between XXXX. I told my only options were forbearance or interest only payments. Sallie Mae advertised that they had income flexible payments, but they did not hold true to that either. I now have experienced XXXX XXXX and chronic XXXX XXXX over the past XXXX years and our finances are in disarray due to the dishonest gain of Sallie Mae/ Navient. We never defaulted on our loans and we still own almost $ 45,000.Our monthly payments are {$540.00} dollars each month and we struggle just to make ends meet. I am not eligible for total disability, so there is no option for forgiveness in my case. I am not healthy enough to work more than one day each week, but there is no end in sight to these loans. I just wish Sallie Mae had been honest with us. I would have never done business with them! | ||||||
| 06/27/2018 | Yes |
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| Navient offers a .5 % discount per each loan that is scheduled for auto repayment. I recently realized that my discount was " disqualified '' so I called Navient to determine the reason why they were not applying that discount to my accounts. I must note ( prior to discussing call with company ) that per their website, under " Loan / Borrower Benefits '' the option is direct pay and their is an information button next to it which includes the following information " while in active repayment '' ( 1 ) I am currently in active repayment " you receive a .5 % interest rate discount for making payments via Auto Pay '' ( 2 ) I am making payments via Auto Pay. So I was perplexed to see that the status of the discount was " disqualified. '' So on the phone with Navient I spoke with XXXX ( spelling?? ) and inquired about the disqualification. I informed her that I was in active repayment and enrolled in auto pay. Which she confirmed that my next automatic payment was XX/XX/XXXX. She stopped talking as if that was the end of the conversation and the answer to my question. So I reconfirmed with her and said so you have confirmed that I am in active repayment and on auto pay, then why is the status of my .5 % interest rate discount " disqualified '' with that question she confirmed the reason I am disqualified is due to insufficient funds. So I asked her when funds were insufficient and she confirmed XX/XX/XXXX. So couple problems here. No where in the documentation available online or the information lists that it is possible to be disqualified from the interest rate discount ( but as mentioned above completely opposite - 2 sets of criteria are required. Active repayment and enrolled in auto pay ). Second problem is that the insufficient date she mentioned is over 1 year ago, and that there is no specific time frame to allow me to be qualified for the interest rate discount. I find this very predatory. They should indicate in writing that there are penalties that would " disqualify '' from the interest rate discount. I find this unnerving that my {$33000.00} dollars of loans with them are disqualified from an interest rate discount because I had the unfortunate incident of insufficient funds over a year ago. Please assist in getting this corrected as again I believe this to be predatory and illegitimate. | ||||||
| 04/13/2016 | Yes |
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| At this point, I have no other direction to go except by filing a complaint against Navient. I have XXXX private loans ( currently, XXXX ( XXXX ) is being paid on monthly ; the other private loan, supposedly WAS in default. My federal loans have been consolidated. It is quite difficult communicating with Navient 's representatives because ONE individual IS NOT assigned to my file. It is numerous individuals. There are days that I receive calls 3, 4, 5 calls a day. The latest was XXXX XXXX, XXXX. I actually spoke with the individual. I informed them that I was on the phone seeking help from another agency in guiding me through this loan repayment processing. Navient 's representative was not listening ; thus, I became agitated because the representative was demanding payment. " So, are you saying that you are not going to make a payment. '' I hung up and continued speaking with a representative from XXXX XXXX XXXX. Two minutes later, another Navient representative called me back with the same arrogant, threatening tone,. Again, I hung up. I informed XXXX of XXXX XXXX XXXX of my issue. He attempted to help and logged into the system. It was at that time, we realized the private loan was not in default. In XXXX, I can recall a Navient representative informing me the XXXX loan was in default. As a matter of fact, per their documentation, both are now being financed through Navient XXXX Corp., not the original lender.. Notation on the loans are '' interest rate, variable, set by lender, Navient. '' This was the first that I have heard of this. I am being " robo call '' so severely, that I attempt to " block '' the number to no avail. Why? Because they call from different numbers. The latest is XXXX. This is the number they continued to call me from on Monday, XXXX XXXX. Although they telephoned, XXXX and XXXX. respectively. I received another call from them at XXXXeven though I had spoken with them earlier that day. Prior to filing this complaint, I have been receiving messages from a XXXX, XXXX, and many more Navient employees, 3, 4, 5 times a day. I have been completely stressed from the harassment. I have lost weight, pulled out my hair, and my skin has became seriously inflamed ; all from stress. I do n't understand the relationship between XXXX XXXX and Navient, but Navient is by far the WORST. | ||||||
| 05/01/2019 | Yes |
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| On XX/XX/2014, I was accepted to attend XXXX University Online. I attended the school for about two years at the time. I did not have a high school diploma to attend this school but the advisor told me that I was okay he was going to accept me anyway and put me on the right track to get my XXXX XXXX XXXX in XXXX XXXX. I was young at the time and get have the best education growing up but I want to be somebody and this was it for me. after attending this school for XXXX years with XXXX credits and a GPA of XXXX, I was also on the XXXX XXXX List. I received a call from a new advisor they told me I could no longer attend this school when I asked them why they did not give me any information and I was terminated from the online school and lost all my credits this Crush my dreams from getting the job I wanted and moving forward in life. For the past few years, I have been struggling with fighting with this school to remove the remarks and the debt off of my credit and the money I did not receive. I still feel like I have been scammed by the school. they have ruined my credit for over 5 years now I have been turned down from a car loan personal loan or good job by having this on my credit as a debt this school has really ruined my life. I have tried many programs and went to the government website to file a complaint but have not received any answers. I did receive a letter from the government on a dispute letter saying that they were going to remove accounts off of my credit but after a few months the accounts were being updated and placed back on my credit I'm back to square one this is my only hope to getting my life back together and putting my family back on track. I have a XXXX son and I want to give him the world not have the best education but. I have the intelligence to keep pushing I am an entrepreneur so I made a way for the world to still see my gifts in repairing Electronics and making people happy but I'm still struggling because I'm unable to expand my business from this being on my credit I unable to grow with this heavy burden on me. it was a mistake for me to trust this school with my future but now my future is in my hands and if this doesn't work I will keep trying to find a way. I believe I will be successful one day and make my son proud. Ps Sorry if I misspelled anything | ||||||
| 04/02/2020 | Yes |
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| I currently have a Unsubsidized Consolidated Loan with Navient. I took the standard 10 year repayment term and have been paying by automatic bank drafts every month. I have never been late and have made extra payments to my loan in order to pay off this loan early saving myself approximately four years in interest payments. In the past I have felt, as has been alleged in charges filed against Navient, that they have never acted in my best interest. I always came out on the wrong end of the stick so to speak. I have managed to repay this loan and can potentially pay it off within the next 16 months saving me a large amount of interest and time in terms of the length of the original ten year repayment term. Navient, now curiously that the 0 %, interest has been offered by the Federal Government, wants to increase the length of my loan. I had strategically been increasing my payments in order to take advantage of the 0 % government mandated change to Federal loans in repayment ... of which my loan qualifies. Navient now wants to extend my loan repayment timeline, stating they NOW notice that there is a much shorter time line, based on the payments I have made, for the loan to be paid off. That of course from my perspective is the point. That was my intent all along. I did not request any change to my loan agreement. Frankly, I suspect Navient does not seek to act in my best interest. They have never acted in my best interest in the past. I have sent an email on their internal email site asking them to explain how does what they are suggesting, increasing the time for repayment, help me? I fail to understand how what they propose helps me at all. I did not ask them to change the terms of my loan and demanded that they leave my loan alone and uphold the terms of my original agreement, unless they can show exactly how I can benefit. I am concerned that other Navient clients in the same position fortunately that I am, may be taken advantage of by Navient, with clients wanting to use the 0 % interest rate to their advantage. They did not seek to make any changes prior to this 0 % interest rate. They were happy to charge the exorbitant 6 %. Now why the rush? I suspect it's because the rates are now in the borrowers favor to take advantage and significantly move towards paying off their loans. | ||||||
| 02/01/2017 | Yes |
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| I have been on an income driven repayment plan with Navient ( f/k/a XXXX XXXX ) and every 12 mnths they need to " update '' your information so you have to re-apply for the income driven payment. I have a husband and they insisted that the only way to not have him on the loan was to switch my plan to Income Sensitive repayment plan. So before my plan was due in XXXX XXXX I called in XXXX, they told me to wait until XXXX, I called in XXXX I submitted my information for the income Sensitive plan. Meanwhile every year I have been paying, at the end of every 12 mnths they have placed my account in foreberance until it re-activates. I have called 5 times and not one person has advised me where my account stands. I have a payment which is due in XXXX which is over double my payment which I normally pay every month. I was told on my third call into Navient that my account would once again be placed on foreberance, I did not request it it was done for the transition time to switch to the new plan. I have an email stating that my plan is in foreberance until XXXX XXXX but my account does not show same. My account is not in foreberenace I have a large payment due in XXXX. I was last told on my last call that my Husband could have been omitted from my plan and I would have never had to pay a {$5.00} fee ( which I was charged twice for ) for to switch plans. And to be able to switch plans to income Sensitive I have to pay the payment of {$900.00} to exit the income driven plan. I was never told this information, I am now stuck with over {$1500.00} that is due in a matter of days that I made clear to them I could n't afford which is why I am on an income plan. They have not been able to help with me since I contacted them in XXXX. I have an account that is going to be past due because not one employee there can give me an answer as to what exactly is going on with my account since XXXX XXXX, everyone has a different answer. I need help, I ca n't afford this and now I am stuck with everything going against me. Not only have I been working to pay my payments every month, I have gotten nowhere. My account has been placed in foreberance so many times my loan is actually larger then the originating amount because I ca n't simply continue through the year to may my payments I have to be placed in foreberance. | ||||||
| 01/21/2017 | Yes |
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| I applied for a private student loan with Navient in XXXX. I have taken several breaks, some up to a year long, during my college years. I never got a bill for this loan, infrequently, I would get letters about it being in deferment while I was attending school. Those letters stopped for a few years but in XXXX XXXX I got a bill for payment due on this loan. I had consolidated all of my loans to XXXX so I was a bit confused, I immediately thought someone used my information to get a loan. I actually forgot all about it because I hadnt recieved correspondence in several years. I called them and they said it was my loan and had been in deferment for 7 years. I asked for the signature on the promissory which they did send me and I did confirm it was mine. I called back at this point to try to arrange a more affordable payment, as it was almost {$400.00} a month they wanted, and to discuss the interest of which doubled my original loan amount. I had been out of classes for 2 years at this point so I knew they did something wrong. They refused to lower my payments, I even asked for income based repayment and was told no repeatedly over the next 4 months. I had sold my condo only months before and would have used the proceeds to pay this loan off had I been aware of it. I eventually ended up hiring an attorney who let it go into default because she was n't very organized. Once we got back on track, which took several months of emails and phone calls to her, she asked about payments made, none had been made during the 7 years, however, Navient later claimed I made a {$31.00} payment at some point in the last 4 years on the account. I had no way to look this up since I do n't keep statements from the bank that long, nor did I have that account any longer. It took months for them to produce " evidence '' of this small payment, and I do n't even know what that consisted of because I fired my attorney for dropping the ball so many times. But eventually, after extreme stress in dealing with this matter during my XXXX and then having a XXXX, my fiance paid out a settlement we worked out with the collection attorney. It has never sat right with me because they kept it " in deferment '' so long that it went from {$5000.00} to nearly {$10000.00}. I was dissuaded from filing a complaint by my then attorney. | ||||||
| 12/27/2022 | Yes |
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| When I called to postpone my XX/XX/XXXX payment to be withdrawn in early XXXX, I was told by an agent that my monthly payment had gone down from {$1200.00} to {$520.00}. I asked the agent multiple times to make sure this was correct, I let him know that I had multiple loans and maybe he was reading something wrong. He assured me that {$520.00} was my new payment going forward. I went onto the website to see the amount due for XX/XX/XXXX and confirmed that it was {$520.00}. The agent and I made a new automatic payment arrangement for the new monthly amount due. When I called in XXXX to postpone my XX/XX/XXXX payment to early XX/XX/XXXX, I was told my account was past due {$920.00}. I was told that the agent I spoke to in XXXX was new and gave me incorrect information. I was told that not only had my payment not gone down, it had gone up from {$1200.00} to {$1500.00}. I let the supervisor know that I could not afford that and could not even afford the previous payment of {$1200.00}, which was a lowered payment agreement I had made about two to three years prior, after being told multiple times that I did not qualify for a lower payment based on my income. The supervisor checked my account in this instance in XXXX and once again told me that I do not qualify for a lower payment based on my income. The best she could do was to lower my payment by $ XXXX if I payed interest only every month. I was told that my monthly payment had gone up due to an interest rate increase, which I do not believe since I recall my interest rates being considerably higher when my payment of {$1200.00} was set in place. I am struggling financially with this supposed error made in XXXX since it has resulted in a now {$2400.00} past due amount in addition to {$48.00} in unpaid fees. Since I was unprepared to make my XXXX payment of {$1500.00} XXXX asked to make the {$520.00} payment as planned for XXXX in early XXXX, and I would begin making the new {$1500.00} at the end of XXXX. This new payment along with slowly bringing the past due current is going to further make it difficult to meet all of my monthly obligations, pay for my health care, and put food on the table as it takes roughly 50 % of my income. These difficulties have been present and insurmountable for years because if Navient and are now made even worse. | ||||||
| 08/11/2021 | Yes |
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| I was told if I provided all information, including my degree, proof of employment, financial records, tax documents and the fact that I have paid a private loan on time for over 4 years. My co-signer would easily be removed. after receiving the run around for my private loan with navient ending in # XXXX. Not only was I declined a co signer removal after talking with staff and managers alike they laughed in my face. To the degree where a representative told me and I quote. " Well if you want out of this loan, you should just pay it off ''. I lost my job of 4 years to covid in XX/XX/2020. Not only did I never miss a payment I paid on time. To hear staff and managers be this inconsiderate and tone deaf to our society and what we are going through was extremely sad and disgusting behavior. Next issue is a private loan with Navient that was paid in full in XXXX. It is loan ending in # XXXX. I have called several times because not only has the loan been paid off, it is still reflecting on my balance due. It is bad enough that my balance is $ XXXX for an XXXX XXXX, which to be honest seems criminal considering the jobs in which I can get with an XXXX XXXX will never equal to my compensation being $ XXXX. The private loan is paid in full and still reflecting on my navient account. I called today was transferred 3 times had to give my entire personal information in full from social security number, address, DOB and phone number and then still had to verify which account I was calling on to 3 different people. This has happened so many times in the past I have lost count. Today I was kept on hold by a manager who proceeded to tell me they see it's a charge off they can't do anything about the over $ XXXX balance remaining on the account or that it is adding to an overall balance due of $ XXXX but then attempted to transfer me to the charge off department within navient that somehow magically closed. I'm beside myself. If I could waive a magic wand I would of never went to school. These issues have brought me to attempted suicide and add to my stress to where I ended up having a misscarriage. This entire system is flawed and is destroying lives. We need help and people that work at Navient need to be investigated and fired for misconduct. If I could I would bring up criminal charges against them. | ||||||
| 01/25/2021 | Yes |
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| I have been paying on this loan for my daughter 's XXXX XXXX expenses since XXXX. Navient has been difficult to deal with, and specifically how to understand the method they use to calculate the interest and late fees. I called Navient on XX/XX/XXXX and attempted to pay off the loan. They informed me the payoff balance was {$3500.00}, but they would not allow me to pay with a credit card, only a debit card. I informed them at that time I would be mailing them a check, which I did on XX/XX/XXXX to the mailing address in XXXX, PA they had provided at that time. This was check # XXXX in the amount of {$3500.00}. I called them on XX/XX/XXXX since I noticed that late payment charges were accruing on their online statement, and my check was obviously not deposited. They informed me at that time they had not received the check. I was concerned that they were deliberately holding the check for as long as they could, in order to accrue additional late charges, as this was nearly two weeks since I sent the check. So I told them at that time I would be cancelling the check and would pay immediately with a debit card. I proceeded with the debit payment at that time, in the amount of {$3500.00} which I was informed was the payoff balance. I did receive a confirmation e-mail shortly afterwards on XX/XX/XXXX with the confirmation # XXXX, indicating that the payment was submitted and processed. I did proceed also at that time to place a stop payment with my bank on check # XXXX. I noticed on XX/XX/XXXX that the debit payment was posted to my bank account in the amount of {$3500.00}. On XX/XX/XXXX I noticed also that Navient had attempted to deposit check # XXXX which I had told them specifically I was cancelling and this was 2 days after the debit payment was already processed. I am concerned now that if I would not have placed this stop payment that Navient would have proceeded with processing the check, and it would have been a large project with them to refund the check, and most likely it would have been on their terms, with whatever other late charges they wanted to add. I am attached the e-mail from Navient indicating the debit payment was processed on XX/XX/XXXX, and a caption of my bank statement, indicating that Navient had attempted to process the check for {$3500.00} on XX/XX/XXXX. | ||||||
| 11/04/2017 | Yes |
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| I have complained several times because of this Navient. They are the biggest criminals out there period!!! After complaining about payment distribution troubles and unknown charges and having made so many payments in the last years and principal balance not going down they said I need to make larger payments. So after hearing this I decided to have my family help me and I made a payments last month for XXXX dollars then XXXX dollars a few days ago XXXX dollars. Having said that, Navient has realised that I am making larger payments so they decided delaying the payment processing on purpose. When I was making my payment a few days ago my balance was XXXX dollars less. Because of this delay now its more as you can imagine so they are delaying the processing so that more money of my payment goes towards interest. There is no reason why payments made electronically should be delayed for several days XXXX days to post those XXXX days cost me money in interest everytime. I have made a payment on tuesday today is saturday my payment has still not posted i have checked everything with my bank and all is ok it seems that it is just them delaying it. Besides that i have always made payments the same way though the same bank and have never had trouble before so dont know who or why my payments are delayed suddenly now after i am making larger payments. I have talked to Navient and they said that it sometimes takes a longer time to post payments and they cant control that. I was told they cant do anything which is incorrect and my according to my attorney they can not do that. I have a credit card with citi when I make a payment through my bank online it applies immediately. Why does Navient not have something like that and if not fine but then at least give me a credit back for the days it took you to process my payments because you can imagine how quickly this business can start to earn money imagine if they only took a dollar per delay to how much that adds up to. If they are truly that what they claim they are and if they want to help students pay off their student loans faster then dont take money from students. Shame on you!!! This is just one example of the so called micro-theft you do to students thinking people are stupid they will not realise when you take a few bucks from them. So sad. | ||||||
| 04/19/2017 | Yes |
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| I contac ted Navient regardi ng my private loans & requested to see if they can lower my monthly payments. I authorized Navient monthly payments in the amount of {$250.00} to be withdrawn monthly from my bank account. I submitted the documentation that they reque sted ( pay stubs & bank statements ), however th ey advised after a financial review, you appear to have the ability to maintain the contractual terms ( $ XXXX monthly ) .. Since my BF transferred money from his account to my account, they are now requesting his bank statements as well. My BF does not want to disclose his bank statements since he is in no obligation to pay for my debt. I contact ed Navient to advise of the situation and they still are unwilling to lower the monthly payments. I spoke with a CSR ( XXXX ) on Sat XXXX / XXXX / XXXX . She was extremely unhelpful & advised me to call m y CSR ( XXXX ) since he is the one wo rking on my account. I reached out to XXXX on Wed X/XX/17 to advise my BF does not feel comfortable releasing his bank account information since this is not his debt and he is not obligated to pay for this debt. XXXX advised me without this information he can not further assist me or do anything for me. I advised him I only make {$35000.00} a year & there is no way I can pay {$590.00} a month. He advised me in the last 5 years I have had XXXX rate reductions and they are under no obligation to reduce my monthly payments. I advised him because of my financial situation was the reason I had to file for bankruptcy last year. I advised him if I was able to make the monthly payments of {$590.00} I would be more than h appy too & avoid m yself the headache and frustration of having to deal wi th Navient. I a dvised him since they are not willing to accept the monthly payments that I can afford to make, I unauthorized for them to deduct any future payments from my account until this matter was resolved. I advised him I was going to file a complain with the CFPB for their assistance in this matter. I looked over my credit report today & they have reported me to the credit bureau as being 90 days past due, but m y 1st pay ment was not due until XXXX so how is it they I am 90 days past due. I am asking the CFPB to please assist me with this matter. Thank you. | ||||||
| 06/08/2020 | Yes |
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| On XX/XX/2020, I had received notifications from each credit reporting agencies as well as other vendors such as a bank, XXXX XXXX and XXXX XXXX, to just name a few, regarding the significant decline ( > 40 ) of my credit scores. I had contacted Navient ( student loan lender ) on XX/XX/XXXX and XX/XX/2020, regarding the decline of my credit scores, and the comment that a remark has been removed from my credit reports caused the decline. I was informed that all of my accounts are in good standing and a few of my loans are currently in forbearance due to COVI- 19, and I have a couple of accounts are in a grace period. I was informed to contact the credit reporting agencies because it is the credit reporting agencies who has the ability to make a decision regarding my credit scores. I had informed the representatives that I had contacted the reporting agencies and I was informed to contact Navient. I had requested for this matter to be investigated but was told that noting can not be done because all of the accounts are in good standing and this is has been reported to the reporting agency. After expressing the concerns I have and the request for Navient to advocate on my behalf, I was than informed that I can only make a complaint via writing a letter and sending supporting documents to Navient compliant departments. XXXX submitted a dispute on one account but I was told that I can not dispute the other accounts due to the fact that all accounts are in good standing, but I was informed to contact Navient regarding my concerns. XXXX provided the same recommendation but I was informed to contact Navient and the Board of Education. I contacted the Board of Education and was informed to contact the reporting agencies and Navient. Each party stated that my credit scores should have not declined so significantly, as all of my accounts are in good standing and are either in forbearance or in a grace period. Since I was told that I could not submit dispute regarding my credit scores because of the reason above, I did not move forward to dispute with XXXX. For XXXX, there is no option to dispute my credit scores. I have made attempts to resolve my concerns but have been recommended to call each parties, with no solution. Thank you for your time and patience to assist me in this matter. | ||||||
| 02/03/2019 | Yes |
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| I really have 2 problems with the way Navient has handled my account. First, I received a SMART Loan Consolidation on XX/XX/XXXX of which I have been regularly paying to Sallie Mae and then Navient. I have been a XXXX XXXX XXXX since XX/XX/XXXX and learned of the Public Service Loan Forgiveness ( PSLF ) program. I applied for PSLF on XX/XX/XXXX. I subsequently received correspondence from Navient that I do not have the type of loans to qualify for PSLF. The Navient representative advised me to consolidate my loans to " under the right type of loans and make 120 more payments to qualify ''! Prior to applying for PSLF, I applied for XXXX Loan Forgiveness and was also denied. After receiving the denial for the PSLF, I decided to apply again for the XXXX Loan Forgiveness program on XX/XX/XXXX with the required documentation and Navient sent me yet another letter stating again that I was not eligible for XXXX Loan Forgiveness as I " did not meet the criteria ''. I contacted the Federal Department of Education and spoke with a representative who stated that I did in fact qualify for XXXX Loan Forgiveness. To this date, my loans have not been forgiven or cancelled. In addition to this, I have asked Navient repeatedly why there is such a variance as to how much is paid toward principal from month to month. Payments are not consistently applied. Please see attached payment history from Navient. The response I received was that " it depends on what day of the month I made the payment ''. I do not believe any of my payments were applied correctly. Finally, it is interesting to note that I have been contacted by Navient in both email and postal mail form asking me to apply for a Navi Refi. Well, it's very enticing in that the NaviRefi would substantially lower my interest rate ; however, I would lose Federal benefits such as XXXX Loan Forgiveness and Public Service Loan Forgiveness. I did apply for a NaviRefi and found eligible for 3.70 % interest rate compared to my current 7.625 % interest rate. However, I did not sign the paperwork because I did not want to give up the federal benefits and I still think my loan should be cancelled anyway through either XXXX Loan Forgiveness or Public Service Loan Forgiveness. My sense is that Navient is determined to not cancel student loans for any reason. | ||||||
| 01/21/2019 | Yes |
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| Good afternoon, I am writing to you today as what feels to me to be one of my final options in terms of the situation I have put myself in with student debt. The long and the short of it is that I currently hold three different set of loans ( Private : Sallie Mae, XXXX ) ( Federal : Navient ). Each loan having a sum of {$50000.00} or more. As you could imagine my monthly payments are of unreasonable proportions. My student debt accounts for almost 70 % of my monthly income which leaves a disproportionate 30 % for all other expenses. In recently doing my finances I have discovered that I actually lose on average {$100.00} a month from any saving due to the amount of money I lose to loans a month ( approx. {$1600.00} a month just in student loans! ) I find myself writing because I truly feel a decline in my quality of life and the stress has actually worsened even though my salary has increased periodically since graduating three years ago. Being put in situations where if my job does not pay me on time results in me missing a monthly loan payment is the hardest thing to cope with at the present time. I have quite frankly given up calling the the private lenders because the conversations end with one answer " There is nothing we can do, you already pay the minimum amount. '' I apologize for the long winded explanation but I have attempted to consolidate and constantly am denied, I assume because of the ridiculous amount I owe. I took out these loans at a time where my judgment was clouded by the fact that the only way to receive a decent education and struggle with issues on a more personal level in terms of getting the opportunity to move out of a broken home, I can see now why I took the only option given to me which was taking out student loans without understanding these consequences at all. Needless to say I am not coming up with excuses in any way. I have honestly just completely lost home in a decent quality of life and come to terms that my daily actions are constantly determined by the burden of my student loans. I have never defaulted on any of the payments and have made repayment my sole motivator to stay employed and earn an decent wage. I reach out to you to begin a dialogue as to how I can address the issues I am in and how I can move forward to get some form of assistance. | ||||||
| 02/25/2019 | Yes |
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| I have had a loan with a principal balance of {$64000.00} since 2013. It is now over {$70000.00} due to accrued interest. Interest has been a nightmare for me and I am sure plenty of other students. I was tipped early on to pay attention to interest and pay it down while in school, and I did so. I even paid some of the smaller school loans off in full before my loan went into effect in 2013. From the get-go, I have always been on an income based plan. At that time, there was no way I could afford rent, utilities, daycare, etc. along with a $ 700+ school loan payment each month. When I was first applying for the income based plan, I spoke to a representative about it in general. He explained to me that the payments are lowered but only low enough to cover interest. As such, I was always under the impression that the payments were only as low as the interest that accrues each month. Otherwise, what's the point? I do not like to let interest accrue. I do not want to risk having any accrued interest capitalized. I would not have agreed to this if I knew better. I feel I was misguided. Anyway, I started the plan. I set myself up for automatic payments. I went on with life until I felt I could start paying down my loan. After some time, I noticed the balance on my loan jumped from XXXX to over 70k. How did my balance increase after I have been making payments on it regularly? I called to question it and learned that it is due to {$6000.00} of accrued interest! My payments are less than the amount of interest accrued each month, so it has been racking up without my knowing. Who knows if it has even been capitalized. I keep trying to find documentation to figure out so, but I can't find anything to help me much. The rep says it isn't capitalized. So here I am ... ready to try to tackle some of my principal, and I can't, because I have a ton of accrued interest to work on before I can even touch principal. I feel helpless. What's the point of having an income based or other plan when you are struggling financially? All you are doing is paying and/or accruing interest ... never touching your principal. I thought the income based plan lowered payments yet still applied to a portion of principal and interest in a pro-rated fashion to what the regular payment amount would be. This is not helping us! | ||||||
| 04/11/2017 | Yes |
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| When Navient became my loan servicer, I agreed on an income-based plan paying {$210.00} per month. The person tried repeatedly to get me to agree to forbearance, which I had already done ( and it added a considerable sum to my debt ). At any rate, the agent instructed me to go to the Navient website, make my first payment, and then set up for auto pay. I did as instructed, adding my bank information in the tab that says " autopay. '' Since the first payment was manual, it was debited from my account, but the following two months, no payment was taken ; but they were sure to add late fees and a past due balance of {$430.00}. I called to inquire about this and the first thing the agent did was try to get me to agree to forbearance. I declined and said that they were supposed to have debited me for the last two months but did not. The agent proceeded to tell me that I was not signed up for auto pay. While on the call, I went to my Navient account and confirmed that my bank information was in the " autopay '' tab on the website. He then said I had n't really signed up for auto pay, and he would email me some PDF files that I would have to fill out. When I received these, they were not web-hosted PDF forms that one can fill out, but rather only completable by printing and mailing or faxing, for which no instructions were included. Furthermore, the terms and legalese in the auto pay application were pages long, so long and complex that I was afraid I was committing to something that would cost me additional money. The original agent I spoke with never mentioned this lengthy process. In fact, he just said, " go to the site, make your first payment, and then set up auto pay and you 're good to go. '' There is no mention on the " autopay '' tab on Navient.com that mentions downloading and filling out multiple pages of auto pay application. When other companies do autopay, it 's a simple matter of entering your bank info and checking a box to approve. Now I 'm getting daily emails offering forbearance, and was getting daily phone calls and texts before I told them they ca n't do it any more. All I want is for them to make my account up to date and let me pay the agreed amount, but they wo n't do it. Also, why do I owe {$49000.00} on a loan with original principal of {$20000.00}? Is this legal? | ||||||
| 09/12/2016 | Yes |
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| With limited options for private loan assistance Navient has made equally difficult once again to find any kind of relief to my private loan debt. This will be my third submission with contacting the CFPB for Navient/XXXX XXXX 1 ) For their lack of responsiveness in connecting with service agent in the Rate Reduction Team and to their Complaints Department 2 ) Failure to provide financial support/reduction to my loans. After leaving a message I finally spoke to the agent, who I spoke to previously in regards to my other recent situation with Navient- XXXX XXXX . I expressed both complaints I have and included that I have been working diligently to have my payments be reestablished on the rate reduction plan. Which is the only options they provide with private loans. XXXX knoted that this complaint through him could take 5- 7 business days. With that said I have payments due XXXX/XXXX/16 and urged for things to be expedited. I have been on the rate reduction plan in the past and was looking to sign in for another year. I had completed step 1 which was to verify my financial statement with them. Step 2 was for my co-signer to complete the same. After several calls last week and not getting in touch with the team my cosigner tried again today and was connected. Which leads me to my 2nd complaint in the matter ... .Based on my co-signers finances I am not eligible for the rate reduction plan. My co-signer is not in a position to pay my payments nor am I approving them to. Especially since I have been on the plan before with the same co-signers and this year makes it much more difficult for that XXXX of my XXXX loans is now out of forbearance with a payment of {$220.00} and is not eligible for the rate reduction plan. My co-signer who has called is signed on XXXX of the XXXX loans I would need in the rate reduction plan. If on the Rate Reduction Plan and my remaining loan I will be looking at a payment of a minimum of {$710.00} a month which they noted was not guaranteed due to the fact that the {$710.00} was based on last years payment and that this year the interest rate would increase. {$710.00} is already barely attainable with the other loan opening up. Last year my payments were {$490.00}. Once again Navient has backed me in to a corner of never successfully moving forward debt free. | ||||||
| 04/27/2016 | Yes |
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| I am in the repayment phase of my student loans and have been for the last XXXX years. I consolidated my loans with XXXX XXXX and that loan was later transferred to Navient. During the consolidation process around 14 years ago my loan interest rate was locked in for 30 years at 3.375 %. I have been paying {$250.00} / month ( via direct debit ) since I consolidated my loan at that time. Recently I received a letter from Navient stating that they had to " recalculate my payment '' but that the other terms of my loan ( principle owed, interest rate, and number of payments ) were not being changed. When I called customer service ( on two separate occasions ) and later uploaded an email message online, eventually I was advised that they are now using the original interest rate of 4.625 % to calculate the payment ( but I am " still getting the lower interest rate of 3.375 % '' ; huh? ). Even though they state that this will pay the principle down faster, they still show the same number of payments being paid ( 196 total monthly payments ). ( Anyone with a sense of numbers knows that this makes no sense. ) {$38000.00} - amount currently due 3.375 % interest rate XXXX payments. Based on these numbers my monthly payment should be {$250.00}, not the {$270.00} to which they have raised my payment. I have spoken to them on the phone twice and emailed them with no better response ; at first I just thought I was speaking to a dullard on the phone but the consistency of their responses makes me think otherwise. I think the company is making a concerted effort to defraud me ( and I would presume others as well ), as clearly the terms have changed on my loan, which is NOT a variable loan. Please help. Look at the numbers on their website, which I have uploaded. ( It is broken down into the XXXX loans that were consolidated. The numbers do not add up when you put them into an amortization calculator. If I pay the principle due with the payments they have calculated, it should pay down faster than what they have listed. In their email response to my inquiry they noted that " the minimum monthly payment amount for your loan needed to be modified to ensure that your loan will be paid off by your agreed upon loan term end date. '' If you calculate the numbers you will see that that statement is false. | ||||||
| 04/25/2017 | Yes |
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| I have been paying the interest on my loans for three and a half years now. Navient has changed its website several times. The first time they changed it, I had to click on Tools and Requests in the new Navient website and then click on Go to previous website to pay my interest on my loans. In attachment # 1, you can see all of the loan information, how they represented it, and the interest I paid on each loan. The loans go from XXXX to XXXX in the first attachment. This is what it look like for the past three and a half years. They recently changed their website again this month of XXXX XXXX . This new format is se en in attachment # 2. Now in attachment # 2, notice you can see four extra loans at the top of the page which are not in attachment # 1 and have not been for the last three and a half years that I have been paying interest on these loans. These extra loans that appeared out of nowhere for the first time in three an d a half years are as follows : 1-01-Stafford-Subsidized, XXXX Stafford-Subsidized, XXXX Stafford Unsubsidized , and XXXX Direct Loan-Subsidized . I know this is not suppose to be there, because in attachment # XXXX it shows loan number XXXX Stafford Unsubsidized with an interest that has accrued in the amount of {$370.00}. None of my other loans show accrued interest, because I have been paying on them every two weeks which is proven in attachment # XXXX . This loan ( XXXX Stafford Unsubsized ) has apparently been buried in their system somewhere for the last three and a half years, because a Navient representative ( XXXX ) told me I got that particular loan in XXXX when I went to XXXX University. I started going to XXXX in XXXX of XXXX . My compliant is that Navient has misrepresented my loan information, so now I have accrued interest of {$370.00} on loan number XXXX Stafford Unsubsidized, because they left this loan out my sight or off of their records and website for the last three and a half years. I understand that I have to pay the accrued interest, but they have misrepresented my loan information for the last three and a half years on their website. I called them on XXXX XXXX , XXXX and they acted like they just did not care. They could not explain what had happened, admit it, or even why it happened. | ||||||
| 05/26/2017 | Yes |
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| I had started repaying my private student loans in the middle of XXXX . I was having no luck finding a job in my field of XXXX XXXX , was only making $ XXXX at the time and was struggling to pay my bills. I was given some financial help for my loans, and eventually had been paying ( $ XXXX ) more than the minimum, in order to catch up on the previous payments I had missed. In XXXX XXXX XXXX , I had left my job in order to further my career and started a new job. In XXXX XXXX , w e were told we were being laid off. I was not able to afford paying my student loans anymore. In XXXX XXXX XXXX , I spoke to a representative from Navient who told me " once you get your unemployment check, give us a call and we 'll work out a payment. '' My unemployment checks were, at most, {$250.00}. I told the representative I would not be able to afford any payments, as I have rent and other bills to pay. Being unemployed still did not matter, as Navient had continue to call me upwards of 7 times a day, trying to get a payment from me. On XXXX XXXX and XXXX XXXX , I had paid {$10.00}, because its all I could afford. On XXXX XXXX , I paid {$20.00}. I paid when I could, and how much I could. Shortly after, during the week of XXXX XXXX , I had received a letter from Navient, threatening legal action on me and my fath er ( co-signer ) if we did not make a payment. I had called after reading the letter and explained my situation to the woman. While she was sympathetic, she told me there was nothing else that could be done, and my monthly payments are {$1100.00}, which is about what I make month at my job. She told me unless I make a payment, then my name will be handed over to a lawyer. I offered to pay {$100.00} a month, or asked if there was any way to defer payments for hardship until I make more money or find a better paying job. I was told no. We went over all my monthly expenses and even though we both knew paying anything over {$50.00} a month is too much for me, I was told I had no other choice. I can not make these payments. Every representative I have spoken to at Navient has not been flexible or willing to work with my income. It 's absurd to expect someone who makes {$1200.00} a month to pay anywhere from $ XXXX {$1100.00} a month. | ||||||
| 04/01/2019 | Yes |
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| I am presently in a rate reduction program with Navient because my student loan balance is very high ( {$170000.00} ). I would not be able to afford the regular loan payment ( approximately {$1100.00} per month ). My current loan repayment percentage rate is 3.25 %. My present payment amount is {$670.00} in the rate reduction program. On XX/XX/2019 ( today ), I called to extend the rate reduction program and was told that the amount would increase to 4.25 % with a monthly payment due in the amount of {$800.00}. The representative and I went into great lengths about all of my monthly financial obligations and the payments that I make a month ( mortgage, credit cards, utilities, etc. ) and it was found that I am in a negative status each month after all payments. I spoke to the representative and told him that I would not be able to afford that increased payment ( {$800.00} ) with my financial obligations and other loans that I would have to pay especially because after all my financial obligations are paid, I am in a negative status. I asked to speak to a supervisor and was transferred to a unit collections manager, XXXX XXXX. I told Mr. XXXX that I would like to keep my payment at the same rate because at this time, that is the payment I can afford. Mr. XXXX told me that he did a background check on me and checked out the house that I live in and the cars that I own. Mr. XXXX said that because of the house and cars that I own and drive that I should be able to afford {$800.00} payment. I told him that I am unable to afford that amount with all of the financial obligations that I have. He told me that he does not have to offer me any lower payment or lower my interest rate at all. I told Mr. XXXX that if he does not keep my payment at the same amount that I would have to default on my loan. Mr. XXXX said that it doesn't matter if I default on my loan. Mr. XXXX refused to even negotiate with me and keep my payment at an amount that I can afford. I asked Mr. XXXX to tell me the name of his manager and he told me her name is XXXX XXXX and gave me her phone number. He refused to give me an address for her even though I prefer to send my complaint in writing to Ms. XXXX. Mr. XXXX told me that it would do me " no good to contact her '' and that she would not try to assist me even further. | ||||||
| 04/18/2018 | Yes |
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| This is my first year of repayment on student loans from XXXX school. I applied and qualified for the REPAYE program, and have been paying monthly via Auto Pay sinceXX/XX/XXXX. While preparing to file my XX/XX/XXXXtaxes on XX/XX/XXXX, I searched for my student loan interest tax document on Navient.com. When I was logged on to the Navient site, I found a message dated XX/XX/XXXX : " XX/XX/XXXX Your Navient Account Information It's time to renew your REPAYE Plan! '' I checked my email correspondence, and I had received no emails from Navient that referenced REPAYE renewal/recertification in any way. Since I am enrolled in Auto Pay for two separate Navient payments, I receive between 6-10 emails from Navient every month. All of the other emails I've received contain some reference to their subject : " Auto Pay Payment Reminder, '' " Here 's your monthly statement, '' and even " IMPORTANT TAX RETURN DOCUMENT AVAILABLE, '' but the emails which Navient claims were supposed to alert me to the REPAYE renewal deadline contain absolutely NO reference to the renewal or any urgent action necessary. In fact, every month I receive multiple messages with the subject " Navient Account Information '' that simply confirm my automatic payments. It seems ridiculous that a message with that same subject would contain a link to the vital and urgent information about recertifying my REPAYE application. It is absurd that these particular emails would contain no relevant information about their purpose, and yet Navient uses all caps to alert me that there is " IMPORTANT TAX RETURN DOCUMENT AVAILABLE. '' I called Navient on XX/XX/XXXX, and was told I had been kicked out of the REPAYE plan for not submitting the recertification documents in time and would have to reapply, and was pushed to accept a forebearance in the meantime since I can not afford to make payments at the " alternative repayment '' rate of {$1800.00} beginning onXX/XX/XXXX. My monthly payment while on REPAYE was {$320.00}. I am currently attempting to recertify and appeal the actions taken by Navient. Their unethical communication practices have already taken a toll on my finances and on my mental health. Again, this is my first full year of repayment on these loans and the first time I was supposed to recertify for the REPAYE program. | ||||||
| 03/15/2016 | Yes |
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| For the past few years I have been paying interest on all of my loans, and this month is the first month that the loan payments are going into effect. Paying Sallie Mae has never been an issue, the issue is that I called for them to adjust my payments based on my income ( which is {$1200.00} every 2 weeks ). Well the associate pretty much took the average of my income and the amount of paychecks for the year and stated that I make {$2600.00} a month which is not true. There are only two months out of the year in which I get paid 3 times a month which is XX/XX/XXXX and XX/XX/XXXX so pretty much for the entire year I make {$2400.00} a month except for those two months. Anyway so after telling them how much I pay in bills each month the associate has it in her head that I would have {$600.00} remaining because she believes that I make {$2600.00} each month from this miscalculation ( so they pretty much took the amount from those XXXX additional paychecks that I would receive, divided it up and added that amount to my monthly income ) but in actuality I would only have {$400.00} a month remaining and they wanted to charge me {$340.00} a month for the loans which would leave me with {$57.00} in case of emergencies, oil changes or what ever else comes up during the month ... Then I discovered that I also have federal student loans that would go into effect as well and I wanted to include that amount in my monthly bills and they told me that they do n't include that because they want you to file for forbearance or deferment instead of lowering their payments. They know that paying federal student loans is a bill but since the government offers that option, they would rather get the customer in more debt than help them out of it. I feel as if somewhere this is against the law im sure because I thought that a person could not apply for this unless they truly needed it, this should not be an option for another company to advise their customers of so that they can get the most money possible out of the customer. So while speaking with the manager and explaining that I was trying to pay both the government and them, the guy told me to " shift '' my money around because they were doing me a favor and that I was lucky that they were even doing that. So at this point, I am paying them what I can. | ||||||
| 09/26/2022 | Yes |
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| As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumes of their information sharing practices and provide for a right to opt out of certain sharing, In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( le XXXX, XXXX XXXX XXXX ) XXXX According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service performed for the consumer ; or Otherwise obtained by the financial institution. Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. In case your Company admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). UNDER 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ill ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you to remove the below-mentioned information from my Consumer Report ; DPT EDXXXX XXXX NAVIENT XXXX | ||||||
| 03/20/2018 | Yes |
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| I am currently in school working on my XXXX. I received a call back in mid-XX/XX/XXXX from my private student loan provider, Navient, stating that I would need to start paying on my student loans at the beginning of XX/XX/XXXX. I informed them that I was currently enrolled full-time in school and they said that I no longer qualified for in-school forbearance because my loans dated back 48 months. This came as a complete surprise to me because I was never informed that my in-school forbearance only lasted 48 months. Furthermore, I didn't remember signing anything stating this. I then asked Navient to send me a copy of all of the promissory notes that I signed for each loan. When I received the promissory notes a few weeks later, I read through each one of them and nowhere does it state that in-school forbearance ends after 48 months. In the meantime, I did some investigating online and found that other people have had similar issues with Navient. So, after I received a bill for {$430.00}, I called Navient on XX/XX/XXXX to talk about the issue. The person on the phone told me the same thing as before, that my loans were due because that had reached the 48-month time-frame. I then told them that I had gone through the promissory notes and that nowhere did it state that. The gentleman then told me that they had the right to add/change things and that my promissory notes where obviously missing the part about the 48 months. He told me to look at section 'E ' and his section 'E ' was different from mine. The promissory notes that I have came directly from Navient, all of my personal information is listed as well as all of their clauses and terms except for this supposed 'no in-school forbearance after 48 months '. I don't see how ethically or legally a company can add to a contract years after it was agreed to and signed. When I have been out of school, I have never missed a payment and many months I paid extra. I decided to go back to school later in life to better myself. I make {$22000.00} a year which after taxes, barely covers my bills. Navient never offered me any other options to resolve the situation other than pay the {$430.00}. Furthermore, they are trying to change the terms of our agreement after the fact. The bill is due on XX/XX/XXXX and I would like to resolve this issue. | ||||||
| 01/20/2017 | Yes |
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| I began working in a XXXX in the state of Virginia in XXXX of XXXX. After working for 5 years in a XXXX, I submitted the necessary paperwork for the XXXX loan forgiveness program in the XXXX. I had done much research to ensure that I qualified for the program and I should have received XXXX dollars in loan forgiveness according to the application for the program. I submitted the paperwork through Navient and got a letter two weeks later saying that I did not qualify for the loan forgiveness program. I called Navient to see what went on with my application. They told me that it was not them, but the federal student aid office that denied me from the program. I called the Federal Student Aid Office who told me that they had not received any information in their systems that I even applied for the program and that I absolutely did qualify for the loan forgiveness, they made it for XXXX exactly like me. They told me to reapply thinking that Navient XXXX up. I reapplied again a few months later. This time, faxing my application from my XXXX thinking the letterhead would somehow make a difference and it would be faster. Two weeks later the same thing happened and I got a letter saying that I did not qualify for the program. I called Navient again to question them about why they denied me and they said that I had filled out the wrong paperwork, because my XXXX signature was not in the right place on the document. I had a scanned copy and looked it over and found of course, no such mistake. The paperwork was also correct and had not reached the date of expiration. Despite this runaround, I got everything together the following year in XXXX and I submitted for a third time through fax. I even wrote third attempt in big letters on the cover page. I got a denial letter again, even after having a coworker qualify for the same program and get her XXXX worth of forgiveness. I now work at another XXXX, this being my 8th year as a XXXX in a XXXX. I was going to write XXXX XXXX and try filing again. I would n't know about what lawyer to contact, but they I saw your recent lawsuit against Navient. I think they are guilty of mishandling my loan as well. My forgiveness amount would have erased XXXX of my loans and I believe they wanted my interest and did n't properly submit me for the program. | ||||||
| 09/10/2018 | Yes |
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| Since XX/XX/XXXX, Navient has failed to abide by the ACH payment arrangements that I have scheduled on numerous phone calls with its representatives. The company has repeatedly failed to draft these payments, drafted payments on dates which I had not consented to, failed to reset the payment schedule after account changes ( e.g. debit card replacement ), and abide by what I was told by customer service representatives in terms of payment schedules and impacts to my credit. I have also requested written correspondence with the company instead of phone calls, and told the company that they may no longer attempt to contact me via telephone. These requests were not honored. Most recently, after the theft of my Navient-linked debit card in XX/XX/XXXX, I contacted Navient to provide the replacement card. I was told, after almost twenty minutes on the call, that my account was in good standing. I explained that it could not be, and then I was put on hold, and then disconnected. Too many calls to this company end in such a manner ; they are time-prohibitive and do not tend to accomplish the goal. I placed a second and third call, and was told that I needed to monitor my account, and then call back. I placed a fourth call and made a payment on XX/XX/XXXX, of XXXX. I was told that I was behind by one payment, and that I should make it as soon as possible, but that my payment schedule would now resume. No further automatic payments were applied. on XX/XX/XXXX, the representative also told me that my payment would bring my account current and prevent my credit from being negatively impacted. Within a few days my accounts were reported as delinquent to the credit bureaus, however. On XX/XX/XXXX, I wrote an email to the Navient customer advocate office regarding the most recent issues that I have described. I received an automated confirmation, but no response to this message. I have six accounts with Navient. Most of them carry a principal balance greater than my original disbursement. We have made almost {$67000.00} in payments. Our accounts must maintain a competitive interest rate to potentially be satisfied in the future. Navient representatives have stated to me that a diminished interest rate depends entirely on these scheduled bank drafts, which the company has failed to execute. | ||||||
| 07/02/2021 | Yes |
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| I, XXXX XXXX, along with my financial consultant Mrs. XXXX, contacted the company named Naviant the SECOND alleged collection agency for my bank XXXX XXXX XXXX XXXX XXXX. The First agency sent me a letter confirming that the Debt was paid off and there was a XXXX Balance. I went back to the Bank XXXX XXXX to attempt to reopen a bank account for myself so that I could do business but on my return, the bank again said No because I still had an outstanding balance with the SECOND debt collector Naviant, and I would have to contact them to settle the account. I contacted Naviant and told them that I received the letter from the First collection agency for the bank and that I was not understanding how there were two collection agencies for this one bank. I asked them to check their files and see if there were still any outstanding balance and if this letter covered that amount as well. That initial contact was around XX/XX/XXXX ; from that date until XX/XX/XXXX ; I heard nothing from Naviant in regards to their investigation. Meanwhile, I am being prevented from being able to do any banking due to this alleged outstanding balance. So, I wrote to them on XX/XX/XXXX informing the company that they were not in violation of the Fair Debt Collection Practice Act ; and other consumer protection laws and that they also needed to send me a letter that this debt was not owed because any alleged debt owed to them or XXXX XXXX is BEYOND THE STATE OF LIMITATION for enforcement of that alleged debt. I and Mrs. XXXX contacted Naviant again today, XX/XX/XXXX. I gave them permanent authorization to speak to Mrs. XXXX in reference to the alleged debt and any information they came up with and the Rep. said that they would contact Mrs. XXXX, by the end of business day today, in reference to her findings. Also, this rep stated that they sent to the XXXX XXXX ( 2 ) request for validation & notice of my debt challenged and they have heard nothing from XXXX XXXX yet in over ( 2 ) months, well beyond the required legal limit to respond when a consumer challenge a debt. This is ridiculous and complete Unsavory & Bad Business Practice and his hurting my business and unlawfully preventing me for participating in Commerce & unfairly & unreasonably preventing and obstructing me from the Financial Banking world. | ||||||
| 04/14/2020 | Yes |
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| On XXXX Navient advised me via email that my interest only payment plan would end with my payment of {$82.00} on XXXX. Accordingly on XXXX, I called Navient to set up a renewal of the plan or a lower payment plan, given the economic realities resulting from the COVID-19 pandemic. However, Navient told me I needed to call after the XXXX of XXXX, because Navient could not do anything regarding my payments until the XXXX payment was completed. The following is the timeline of events : 1. XXXX : Completed auto payment of {$82.00} from my account. 2. XXXX : I called Navient and applied for what the representative told me would be an interest and principal payment of {$100.00} for 6 months. 3. XXXX : Navient approves my application and emails a letter ; however, the letter states that the {$100.00} payment is for interest only and it contains the following info : Late Fee : {$0.00} - Repayment Fee : {$0.00} - Returned Item ( NSF ) Fee : {$0.00}. This conduct amounts to violations of the Truth in Lending Act, misleading information, and deceiving practices. 4. XXXX : Navient sends me a statement showing that I have a past due amount of {$26.00} and a balance due of {$230.00}. This conduct amounts to violations of the Truth in Lending Act, surprise late fees, misleading information, and deceiving practices. 5. XXXX : I called Navient to explain that it had made an obvious mistake as my auto payment of {$82.00} was indeed completed and as such I could not possibly have an amount due. To my surprise, I was automatically forwarded to collections! I talked to 1 representative and 2 managers to no avail. Navient 's response was limited to saying " You are in collections because you have an amount due and we will send a request to research the matter. '' I requested a number or some confirmation that in fact that would be done and asked when could I expect a response. Navient 's kept the past due amount posted in its system and had no explanation as to how that due amount reconciles with my next payment per the plan approved XXXX. Again, both managers refused to provide me with answers, stating simply that neither of them could do anything about my problem. This conduct amounts to violations of the Truth in Lending Act, surprise late fees, misleading information, and deceiving practices. | ||||||
| 01/23/2019 | Yes |
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| On XX/XX/XXXX I signed up for a XXXX XXXX XXXX program at Florida XXXX College in XXXX. At the time, my financial aid representative had given me an estimate on the cost of the program, plus my estimate grant. He had said, with it being XXXX, I can file for ANOTHER grant from FASFA in XXXX to help cover my costs of the program. The program is only 11 months long. I attended the school from XX/XX/XXXX, and I graduated with Honors in XX/XX/XXXX. At the end of my pgoram, I logged onto a portal that told me how much I would owe. When I seen the total as a little over 12k I went to a financial aid counselor and they told me it needed to be adjusted. I was contacted numerous times by the loan company Sallie Mae aka Navient. During a phone call in XX/XX/XXXX-XX/XX/XXXX time, I told the caller I was not responsible for the amount being owed. According to FASFA, I received two Pell Grants totaling in {$11000.00}. The program cost was {$17000.00}. Leaving me with owing a minimum of {$6000.00}. Last week, I contacted the school as I had been requesting my financial aid records. They only send me the estimate paperwork and stated I signed that knowing that would be the cost and I would owe more than 6k. I explained the financial aid counselor responsible for this case was no longer there and he told my mother and myself more than once it was just an estimate and the top of the paperwork even states its just an estimate. I proceeded to tell them that a FASFA representative told me they only took out {$1200.00} for XX/XX/XXXX-XX/XX/XXXX school year. The school then tells me it is because I was not attending for the whole year and that is why they didnt take the full {$5700.00} that was granted to me for the second year. The school proceeds to say it was because I didnt attend a full year. I then explained they took {$5600.00} of my first grant for only 2 months of XXXX, but only took {$1200.00} for 9 months of XXXX. The school didnt seem to understand. When I had spoken with the loan company, Sallie Mae, they stated they have no ties to the school that they just request payment since they loaned money. I am now being told due to no payments being made towards loans that I never approved to be given, that I would be sent to collections and the loan company would take my tax returns as payment. | ||||||
| 09/10/2018 | Yes |
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| I attended XXXX XXXX ( XXXX XXXX, CA ) school in XX/XX/XXXX. I was offered an opportunity to attend by a family member who told me I was eligible for an 80 % discount in tuition as a family member, since he worked for the school. I was enrolled from XX/XX/XXXX XX/XX/XXXX. I was asked once or twice to return to finance to re-sign my contracts. I was never given written documentation of the cost of my responsibilities, and was always assured my discounts were applied to my loans. When I applied originally, I was told the XXXX program cost approx. $ XXXX and with my discount, my cost would be somewhere around {$4000.00}. I never received documentation and could never get clear answers, but my Father-in-law always expressed the school knew what they were doing, and I was getting a 2-yr degree for 80 % off the normal price. 6 months after I graduated with honors, I began getting requests from then, SallyMae to begin repayment of my loans. I was shocked to see the price of my loans. Although not the $ XXXX I was told a regular student received, My first loan was taken out appeared ok, but 3 additional loans were taken out for 3x the price of the first loan, and I didnt understand how the price tripled after the first loan was processed. I contacted the school and was constantly given a run around. I was told the issue would be reviewed, and would never receive follow-ups. I called dozens of times, and it nothing was ever done. I filed a Defense to Repayment, and was told by a number of collections person, constantly I would have to file for forbearance to stop the phone calls. After literally thousands of collection calls, and after the loan agency was renamed Navient, I finally stopped receiving the calls. I found out years later the reason the calls stopped was because my DTR document was processed and my loans were placed on administrative forbearance. I have since had to file for bankruptcy and can not get past the XXXX scam I have been a part of, like so many other people conned into thinking the education and degree we received was worth any amount of money. I just want the loans and the late reporting removed from my credit already. I can not get anyone related to XXXX to resolve this, and I am trapped. Please review and remove these fraudulent claims from my credit report. | ||||||
| 10/18/2019 | Yes |
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| I apparently was in default back in XX/XX/XXXX and XX/XX/XXXX, and before I became aware of the default my student loans were once again transferred to another company and I didn't have any clue who my new creditor was. I barely found out about my new creditor was Navient and the default on XX/XX/XXXX. Also on a side note my loans were suppose to be in deferment since I was a full time XXXX. I then called Navient to discuss the 6, 120 day late payments on my credit report. They said I was obligated to pay even though my deferment should have rolled out until XX/XX/XXXX. I told them I did take the summer off of school but starting in the fall I would be back in school at least half time, so my loans would go back in deferment. One lady from Navient then told me that once the school sent there information to them I would be placed in deferment and the deferment would be back dated to the month I became in default and the late payments would be removed. One month later Navient received the information from the school and my loans were put into deferment. After checking my credit report I saw the late payment status/derogatory still as my status on my credit report. I spoke with another Navient representative about how can I remove the late payments so my credit score wouldn't be damaged since I was trying to buy a house. She informed me that since I was in deferment the late payments would no longer be in effect but they report at the end of each month to the credit bureaus so it just hadn't been updated. I called again a month later and spoke with another representative and asked her how much do I need to pay to get the late payments removed from my credit report, she told me I do not owe anything and the late payments had already been processed so she couldn't do anything about it. Which I waited two months from being told by a representative that they would come off to being told I couldn't pay the over due amount I owed to remove the late payments. I have never heard of a creditor refusing to take payment that was around {$850.00} to help pay off the overdue balance and fees that I owed. I do not feel that I was ever informed properly about my student loans and the policy of deferment for a student that has to have a half time or full time XXXX status to qualify for deferment. | ||||||
| 01/24/2017 | Yes |
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| I have attempted to make payment arrangements on many times and I was always put on a forebearance which has made repayment very long and costly. I never was offered other suggestions or repayment options. I was a single mother trying to assist my son with college and took out a XXXX XXXX Parent Plus loan the first in XXXX/XXXX/XXXX in the amoutn of {$15000.00} at rate of 3.45. I took a {$9000.00} loan at rate of 8.50 on XXXX/XXXX/XXXX and {$4500.00} at rate of 8.50 on XXXX/XXXX/XXXX. I was grateful each year my son received academic scholarships and I took less.The XXXX XXXX loan was eventually taken over by Navient. The current balance with interest is {$31000.00}. I called them recently when they increased the monthly payment to {$700.00} which I could not afford. Throughout the years I continued to make payments but whenever I called to get assistance or suggestions with payment arrangements I was always put in forebearance. It seems like this loan will never go away. I work full time as an RN and I pay a mortgage payment as well as other household expenses as head of my household/single mother. I feel grateful my credit rating has not been jeopordized in any way due to the outstanding balance on Parent Plus Navient loan. I have called XXXX XXXX currently Navient many times since XXXX always in an attempt for payment arrangements or to discuss the loan. I feel that Navient has steered me a struggling borrower and single mother of XXXX sons toward paying more than I should have on these XXXX Navient Loans. I believe that Navient also obscured information needed to assist me in maintaining and being able to afford lower payments. Navient harmed my credit since I was declined on two attempts to refinance my high mortgage rate in obtaining a lower interest when mortgage rates dropped which would have saved me XXXX of dollars in mortgage interest and given me a more affordable mortgage payment. I feel XXXX a financially vulnerable borrow, single parent of XXXX college aged sons these practices prevented med from securing some or all of the benefits of the plans that were intended to ease the burden of unaffordable student debt. Navient also misreported information to consumer reporting agencies which is the cause of my mortgage refinance to be declined on XXXX separate attempts. | ||||||
| 07/15/2015 | Yes |
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| In XX/XX/XXXX my daughter wanted to attend XXXX XXXX University in NC. She had just graduated from high school and having made XXXX throughout school I did not hesitate to help her when asked to help with school loans. My daughter later transferred to XXXX XXXX University in NC to pursue her XXXX because XXXX had a three year waiting list on their program. Once again I supported my daughter. She was maintaining a good GPA and taking college seriously. We hit a few bumps along the way with my daughters emotional stability and in XX/XX/XXXX she was diagnosed with XXXX ( XXXX ). She instantly became XXXX dependent on her father and I. I would 've never in a XXXX years thought that this would happen to my daughter. Now my husband and I are left to pick up the pieces of my daughters broken dreams and financial responsibilities. I have XXXX XXXX children and we as a family are barely making ends meet. I encouraged my daughter to apply for total XXXX forgiveness and she was told that I was primary on XXXX loans and they can not be considered for the forgiveness programs available today because these are private loans. Navient has done nothing to resolve my issue or help my family with repayment. They have threatened every inch of livelihood we have. I was told they would garnish our wages and put a lean on own house if we did n't start paying $ XXXX {$700.00} right away. We can not afford that as a family. Also, I feel there should be some consideration made on behalf of my daughter because going into this situation my daughter was in her XXXX and she had every intention on becoming a XXXX and signing a contract with a hospital to get her loans paid off. As you have read things did not go as planned. XXXX I am asking for help because no one seems to understand the struggle that our family is going through! My daughter consigned on all XXXX loans and I feel she should be eligible for a forgiveness programs because she was the one enrolled in college. I was not given any other options from Navient. They want the money or say that I will lose everything we have worked hard to keep. I 'm scared to think about where my family will be then. Can I be considered for forgiveness due to this circumstance? If not, I 'm in debt for almost {$100000.00} with no way out. Please help my family today! | ||||||
| 11/13/2017 | Yes |
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| My federal student loans are currently in in-school deferment. Some of them are in deferment until XXXX of XXXX, others through XXXX XXXX. Yet for years now I have been receiving inaccurate and misleading information from Navient that I have payments due each month. Everytime I log into Navient 's website, it shows a payment due date for the coming month. I also receive misleading and inaccurate information in emails from Navient saying I have a payment due next month. However, whenever I call the customer service hotline at Navient I am assured that my loans are in deferment, there are no monthly payments due, and that I should " rest assured. '' It is difficult for me to discern which information on their website is accurate and which is inaccurate. I have also tried to be proactive to prevent missing any payments or making any late payments. I have requested, multiple times, to set up autopay and link my current bank account so that in the event that a payment is due ( either in error, or because I was simply too confused by the inaccurate and misleading information on their website to understand that this time it really is due ) an autopay would take place. However, Navient continues to tell me that since my loans are still in an in-school deferment I can not set up an autopay. I have to wait until my loans come out of deferment until I can set up autopay. But everytime I log into the Navient website, it looks as if I am in danger of missing the payment due next month. The whole system seems intentionally designed to deliberately trick students into missing a payment and being hit with late fees and interest rate hikes. This causes me extraordinary stress as I never know if I am about to miss a payment or not. For example, according to their website and the emails that they sent me I had a payment due yesterday, XXXX XXXX, XXXX. I could n't call their customer service due to the holiday weekend, so I did n't sleep last night worried I was missing a payment. When I call them this morning they told me essentially to ignore the information I was receiving via email and on their website. But someday ignoring that information could result in a missed payment. When should I ignore the information and when should I heed that information? It is extremely distressing and confusing. | ||||||
| 01/30/2017 | Yes |
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| Navient misused my information and unauthorized a double payment last XXXX on my auto pay plan. They tried to hide it by not having a scheduled payment in XXXX. I still received a notice for a reminder about a payment coming out in XXXX. I contacted them and received the money back for the unauthorized amount. I was told that if I send my bank statement to them that shows the overdraft fees that I received on my bank they would refund me the money. I still have yet to see that money. I then called them in XXXX to make sure there was n't a payment coming out. They had to remove it. I told them that I wanted the last XXXX scheduled payments on my yearly income based plan to be canceled. I also asked to have my banking information removed from my account. When I talked to them about the income-based repayment plan they tried telling me the only way to do it is to have automatic payments set up ; which is complete XXXX. My bank information is none of their business. In the last three weeks, my mother has received multiple phone calls on her cell phone and home phone. I have received XXXX phone calls and have also received multiple emails. This is a form of harassment and I am sick of this company. I will not pay them any money until they give back the money I am owed and placed on a payment plan that I feel comfortable with. The amount is XXXX thing but the way I pay the amount is a completely different thing. I understand the company is being sought by the Federal Government and feel I have been mistreated by this company. They have taken advantage of me and have illegally broken contracts! I took the money out from XXXX XXXX Bank at a certain interest rate. Navient then bought the loans and doubled, nearly tripled the interest rate. I never signed a contract with Navient and still have the original documents of the contracts I filed with the bank. My name and signature are on those. This is a definite unlawful act by Navient and justice must be made to them. They are profiting off of people like me. I was making payments and now I do not feel comfortable working with this company. I would much rather have my loans bought out and removed from this company than have to deal with them again. I am tired of the harassing emails and phone calls and going after my family needs to stop. | ||||||
| 07/21/2017 | Yes |
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| My student loans were in default due to my inability to repay and Navient 's refusal to enroll me in an income-based repayment program. My credit report shows that my first missed payments on all of my student loans occurred in XX/XX/XXXX, but I had been in contact with Navient since XX/XX/XXXX regarding my high payments. Flash forward to XX/XX/XXXX-XX/XX/XXXX. Navient was calling me and my cosigners at least 10 times a day, even though I told them that I work as a teacher and could not receive phone calls at work. I am a teacher and will lose my job if I answer my cellphone while teaching. I stopped answering their phone calls because they had sold my account to collections and refused to work with me. My parents signed off as cosigners, which was never presented as an option to me, by paying {$540.00} on XX/XX/XXXX, {$22000.00} on XX/XX/XXXX, {$160.00} on XX/XX/XXXX, and {$160.00} on XX/XX/XXXX. I was also enrolled in the Three Pay Plan to bring my account current. I made three payments of {$100.00} ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and have continued to make payments of {$120.00} since that date ( XX/XX/XXXX & XX/XX/XXXX ). I do not know who owns my debt at this point. According to my XXXX credit report, I have 51 missed payments to Navient, including a payment on each loan in XX/XX/XXXX. My online Navient account says that I still owe them {$1000.00} with a past due amount of {$620.00}. I do n't understand how this could be true since my credit report states that I 'm current, and they continue to auto debit a total {$120.00} each month. They no longer call me, but I 'm afraid that they will start up again because I do n't even know who owns my debt anymore. They have destroyed my credit and made me regret becoming a XXXX. I have included as many dates as I can still access, but this has been a constant back and forth since XX/XX/XXXX. Why was I never told that I could get a cosigner waiver? Why was I told that I did n't qualify for income-based repayment despite having an XXXX of under XXXX and a student loan payment of over {$600.00} each month ( not counting federal loans )? Why was I misled, harassed, and basically told that there was nothing that could be done? Where is my money going now? I 'm terrified of what could happen if I 'm kept in the dark any longer. | ||||||
| 10/21/2019 | Yes |
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| I graduated from XXXX XXXX XXXX in XX/XX/XXXX with a 2 year XXXX degree in XXXX XXXX XXXX. The degree did benefit me with work from XX/XX/XXXX until the closing of the school in XX/XX/XXXX. Following the announcement of the closing, my job prospects have evaporated. No one has officially stated that my degree is now invalid, but the fact that job offers disappeared seems to be more than a coincidence. In XX/XX/XXXX I contacted the PA Attorney General 's office, requesting that this office please assist me with having my remaining loan with Navient dismissed due to the closing of my school. Ms. XXXX XXXX responded, stating that the Bureau of Consumer Protection had received my request. She continued by informing me of the lawsuit filed against Navient by their office on XX/XX/XXXX for such matters as I was dealing with. We corresponded a couple of times and spoke by phone once. I felt that they understood my issues with Navient and would represent me should I have to also file a lawsuit. Unfortunately contact with the Attorney General 's office ended in XX/XX/XXXX, for reasons unknown. Since XX/XX/XXXX my federal student loan has been deferred under the Income Driven Repayment ( IDR ) plan, accruing interest on a {$10000.00} outstanding loan amount. My monthly payment has been {$0.00} since XX/XX/XXXX. Currently the accrued interest amount on my loan of {$11000.00} is $ XXXX 4.750 %. When I left school in XX/XX/XXXX my fixed interest rate on the remaining balance of {$17000.00} was 2.50 %. Each year that the IDR is renewed, the interest rate is adjusted to the current interest rate. This XX/XX/XXXX I received a notice from Navient that I needed to reapply for IDR or payoff my student loan. I contacted Navient, making them aware of my financial situation and to request that my student loan be dismissed due to the closing of the school and nullified value of my diploma. I was denied a dismissal, but instructed on how to reapply for the IDR. As of XX/XX/XXXX I received a notice from Navient, stating that my IDR had been approved and information would be sent following XX/XX/XXXX. I request that Consumer Financial Protection Bureau please advise in what action I may have available for my situation with Navient, in regard to my dismissing my student loan. Thank you, XXXX XXXX | ||||||
| 01/10/2019 | Yes |
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| Since Navient became the service company for some Sallie Mae loans, I have had nothing but wrongful handling of my loans. Over the last few years, I have been told I no longer qualify for forbearance or in-school deferment on any sort. I did qualify for a hardship 1 % interest rate reduction program that I was told depends on my financial statement and income driven. The last two times I agreed to the program, I was paying 1 % of interest only, which was $ XXXX/mo. and today I reapplied was suddenly was given a 2.75 % rate for the same program, leaving me with $ XXXX/mo., which I explained I will have no way of paying. I tried to ask for some understanding that those loans were signed 16 years ago and that this payment is absolutely insane even at their suggested reduced rate. I was only told that I should have understood terms and conditions of those loans as a responsible adult. I spoke to a supervisor, then manager and was denied a document that explains how their system calculates the new 2.75 % rate reduction rate and was told it is NOT income driven but merely a courtesy program for those in hardship. Neither the supervisor nor the manage were able to further explain why I no longer qualify for the 1 % interest payment. I was quickly reminded of my large sum obligation and told the next step would be to remind my co-signers of their obligation as well. I asked for a written explanation of the program and was denied the request, again being reminded of my debt. My first complaint is that there is no explanation of changes to the rate reduction program and refused a written document. My second complaint is that the terms I agreed to over the phone recording always state that the rate reduction payment does not rid any additional interest accrued, making it very clear that any interest I would have paid with a pull interest only payment, would be added to the total balance of the entire loan regardless. I understand that the reduction plan of 2.75 % /mo. only keeps me from being delinquent, but does not actually narrow any of the original interest built and piles additional interest on top of the original interest to the total sum of the loan. But why, they can not explain, just say that " this is a courtesy plan and interest is stackable, which you agreed to ... '' | ||||||
| 11/07/2018 | Yes |
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| I received an advertising in the mail regarding a XXXX XXXX XXXX in XX/XX/XXXX. I called the phone number listed on the advertising and after answering a few questions, I was told I needed to enroll in school as quickly as possible. A few days later, I received call advising me that I was pre-approved for {$20000.00} and since I have a son in school that qualifies me for the loan and they could have proceeded without me been matriculated in school. I was also told that I would need a co-signer. I was excited to go back to school. With no knowledge at the time, I immediately called my dad who agreed to co-sign for the loan. The loan was approved and I started school XX/XX/XXXX. In XX/XX/XXXX, my father was diagnosed with XXXX and I fell behind on my loan. I started to receive phone calls regarding past due balances as so was my dad and son. After a bit of research, I realized that what the representative failed to disclose was that my son was actually listed as the student and not me. I was listed as the borrower, my son as a student borrower and my dad as the co-borrower. I notified the lender that was incorrect that my son was not the student and should have never been on the loan, but they ignored me. I tried several times to get this corrected but to no avail. I struggled throughout the years to maintain the loan, but with my dad 's serious health condition it was difficult. In XX/XX/XXXX my dad passed away and I became unemployed. After his passing, I received documents requesting full payment for the loan from my father 's estate. When I questioned the demand for full payment, I was advised that was one of the condition of the loan and this was included in the promissory note. Sadly, I had never receive a promissory note and no one had told me that either. The phone calls continued and both my son and I have been consistently reported to the credit bureau. Recently, I was connected with the Office of Customer Advocate and I was provided with my payment history and an ineligible/fainted copy of signed documents. Along with a few pages of what is supposed to be the promissory note that I should have had. I am in communication with a third party agent who is requesting full payment from my father 's estate and my son and I are receiving several calls daily from the lender. | ||||||
| 02/27/2018 | Yes |
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| In XX/XX/XXXX I started repaying my loans. I have always paid more than what I was required to pay monthly. Navient, my loan servicer wasn't handling my over-payments in a way that I felt best benefited me. So I called and got a run around. I was ultimately provided an advocate. The advocate failed to get the job done and did little more than hear my complaint. After about 6 months, I called again as my payments weren't going where I told them to go. The advocate got frustrated with me and then I was assigned a new advocate. At that time I created an automated email to go to the new advocate so that Navient would have a proper list of exactly the locations where I wanted my payments to go. Flash forward a few months, and I learn that Navient was disregarding the directive emails. I called livid and was assigned a new advocate and this time was promised that they would do what I asked. So now it is early XX/XX/XXXX and my payments are supposed to be retroactively reapplied. I asked for a comparison of before and after application that way I can verify their work. I was told they can do that. Flash forward a few 10 months, I am told by my advocate that Navient made the proper appropriations and magically my account history is no longer retrievable. I lodge formal complaints and get nowhere. After about 6 months of hem hawing with XXXX XXXX, my new advocate, I am able to retrieve my account history one time online. I look at the history, but nobody at Navient is able to provide me a ledger so that I can compare before and after the changes. Flash forward to late XX/XX/XXXX and I am provided a 147 page PDF of pictures of a ledger that isn't labeled and I am told that is the best Navient can do. Plus I still can't routinely access my account history. Couple all these problems and it makes for disenfranchisement. Add to that, the fact that Navient doesn't keep a ledger balance for any student published. They keep it for themselves, but if you want to know to the day what your balance is, you have to guess as even the advocates can't say for sure. I don't know if what I owe is accurate. Navient is no longer responding. I have asked to speak to management and at this point I am looking to speak with them or executive leadership. This isn't how business is supposed to be run. | ||||||
| 03/29/2018 | Yes |
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| Throughout the couple of years that I have been paying back my student loans with my servicer, Navient, I have witnessed them consistently trying to mislead and deter consumers from making principal payments. There is an obvious effort to thwart early student loan paydowns by making it increasingly difficult and confusing to make principal payments. Initially when I started making payments to Navient, there was an option to apply additional funds to principal or to pay ahead. Then the wording changed so that " principal '' was no longer included, but instead you were given the option to " a ) apply excess funds towards you next payment ( s ) due ( helping to reduce the total cost over the life of your loan ) or b ) be billed for your full monthly payment. You will be required to make a full monthly payment with your next billing statement. '' I found this extremely confusing as to how my payment would be applied since principal and interest were not referenced at all. This is also misleading since option " a '' mentions that it will reduce the overall cost over the life of my loan. Whereas option " b '' ( the principal option ) does not say that it will reduce the total cost over the life of my loan. Then in the last month I am no longer given the option when paying my bill online to apply the excess to principal. I had to search in the Help Center of Navient 's website to discover that any excess funds that I pay will automatically advance my payment due date by the number of full payments that are covered by the extra funds. The only exception is if I am paying more than twice my monthly payment, then I can choose to be billed for my full monthly payment ( aka make a principal payment ). I also discovered in the help section, that the only way that I can make a principal payment that is less than twice my monthly bill, is if I mail in a check with a separate piece of paper detailing my instructions for how I want my payment applied. This feels like a concerted effort to confuse and discourage borrowers from paying loans off early, and to collect as much interest possible by drawing out the life of borrowers loans. I work in a loan department with a large bank, and even I find the information that navient provides about applying payments extremely confusing and misleading. | ||||||
| 11/09/2021 | Yes |
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| I borrowed {$89000.00} from Sallie Mae. Navient said they took over my accounts. Somehow my balance overtime ballooned to over {$150000.00}. My father was never cosigner on any my loans. The system would not allow him to cosign for me. Somehow his name appears on my promissory note along with other names that do not match for references. I have been trying to handle payments for many years and figure out a way to survive. I can not pay what they demand. At one point, I was paying $ XXXX monthly when I was only making {$1200.00} per month. I was threatened my customer service agent that he did not like my tone and that he could make things worse for me. Over the years, the Sallie Mae and Navient both said that they could do whatever they wanted with my payment amount and balance based on their whims. I have them recorded. Most recently, I spoke with XXXX XXXX, a poorly trained supervisor at Navient. She was very belligerent. Told me that I need to find a job during pandemic and downward spiraling economy. She asked why couldn't my family members pay the balance. My family has been harassed by the company as well. Members that were not listed as references. They even called my father on his deathbed to harass him. Multiple times a day. When we said he is hospitalized and to stop harassing him. They kept calling. It was relentless and vulgar in nature. I am shocked and disgusted by these actions. Beyond their predatory lending practices and poor customer service that verge upon being deceitful, uninformed, uncouth, and XXXX, they can not seem to keep their records in proper order. Constantly, asking me about my father and his whereabouts. My father passed away two years. Navient received the death certificate and responded with " you are now on your own. '' I do not have the money nor will I ever make enough income to pay them {$1000.00} per month. I will never be able to pay them over {$150.00} per month. They refuse to work with me. I said I am not working for various reasons. Again, we are in a pandemic and economy is not well. Also, I do not trust the company because the promissory notes hold false information. I refuse to be preyed upon by a company who as stated before is under investigation for predatory lending. Please contact me for recordings and other documents. | ||||||
| 10/28/2020 | Yes |
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| I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX | ||||||
| 02/16/2018 | Yes |
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| I am on an IBR ( income based repayment ) plan with Navient. In XX/XX/2017 I received a one-time inheritance from my XXXX grandmother in the form of an IRA. Even though I clearly noted on the financial disclosure form that the money was a one-time inheritance, Navient calculated it as regular income and doubled my monthly payment even though my income went down. ( Navient acknowledged that I noted this on the form, but said that because I didn't check a certain box on my form, they ignored my note indicating that it was not income. ) Navient had asked for my financial information many months prior to the end of the year but then waited until a week before the new, incorrect, double payment was due before sending me notification that my payment would be doubling. ( Why would they sit on it for months, and then send the bill a few days before the payment was due? I think it was to encourage me to apply for a forbearance. ) When I called Navient to explain that I could not and would not make the double payment, the agent refused to reprocess my financial paperwork correctly and said that I would have to make the double payment and then reapply with new financial paperwork. I was pushed into applying for a forbearance over the phone by that Navient agent after explaining that I would not make a double payment because Navient made an error. After thinking about it, I sent Navient a letter asking them to NOT apply a forbearance to my account, telling them that I would be making my monthly payment in the proper amount and not the double payment they asked for and asking them to recalculate the proper payment amount in a timely manner. They applied the forbearance anyway and also sent me a letter informing me that because they had applied the forbearance over my objection I was losing my Consolidation Savings Benefit. I objected to this and sent Navient five unanswered letters asking them to address this and fix the problem they created. They have refused to do anything and just send me more form letters. I am now withholding my monthly payments from them to compel them to reply to me. They have at least started answering me now that I am withholding payment, but all they have done so far is tell me no and send me more form letters. I'm pretty frustrated and need some help please. | ||||||
| 01/29/2017 | Yes |
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| I borrowed approximately 20,000 for college and grauated in XX/XX/2007. Since that time my loan increased by 50 % or so. I noticed on rexent tax documentation that it seemed like too much of my payments were going to interest. I called Navient and the rep told me i was enrolled in a program that required interest only payments for two years. Thst was in exchange for a XXXX reduction while i was on maternity leave. The rep who signed me up did not inform me of those terms. I thought they were simply reducing my payment temporarily with no penalty. At this point we have lost about 4000 to this predatory program i was enrolled in with out my knowledge. The navient reps told me there was nothing i could do and faulted me for being irresponsible with my loans. I spoke with another rep who offered to enroll me in the same predatory program at a worse rate. I emailed about returning the money to the proper principal/interest ratio but have not heard back yet from Navient. When i googled their website i saw that rhey are being sued for dishonest lending practices. I read that there are many repayment options on federal loans. I have called repetedly since XX/XX/2007 requesting repayment options and the only thing i was ever offered was forbearance and deferment. Years ago i learned about income based repayment. I called and asked the reps about it myself and applied twice. They told me i made too much money to qualify. I made less than 30k annually. J recently learned that this program is open to all borrowers. Instead of enrolling me in income based repayment while i was working, the loan company lied to me about qualifying advised me keep the loan in forbearance until i could make a larger payment. Even while i onky had partime work during the recession i asked if i coukd pay XXXX towards my loans and the reps refused to take the payment. One actually laughed at me and again told me to forbear. When i hear that there are programs and i could have had income based repayment for years i feel beside myself because my loans might be close to paid off instead of 50 % more than what i borrowed. I am beside myself and it is very upsetting. I hope you can help me and many others get our payments properly applied to the loans and get rid of this fraudulently accrued interest. Thank you. | ||||||
| 09/07/2022 | Yes |
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| After the CARES act went into effect in 2020, I called Navient on XXXX/XXXX/2020 to ask what I could do as I have 2 FFELP loans and they say federal in the title. I was told it's considered a private loan even though it's federal protected but it's not a federal student loan and that I didn't qualify under the CARES act. I asked if there was anything I could do to essentially have the loans to be considered a DE federal held/serviced loan. They said I can refinance my loans but that won't make them federal but it will make them private and may reduce my payments. I told them I did not want this option as that did not make sense for me to do. However, I just learned that I could have consolidated my 2 FFELP loans into a Direct Consolidation Loan which then would make them fully federal loans and as such this would have made me eligible for the CARES act and received the 0 % interest during this time and I could have not had to have been having to pay for my loans without penalty. I've been paying for the past 2 years with interest on something that I didn't have to if I was provided accurate information. Instead either by malicious design by the company ( to keep my loans with Navient and me paying ) or by accident ( agent truly was not educated or trained to this information ) and as such did not provide accurate and complete information to allow me to make an informed decision. I paid an additional {$2900.00} ( plus accrued interest ) in the past 27 months that I wouldn't have had to due to the CARES act. I'm very frustrated as if I had been informed of this option, I would have done just this back in XXXX of 2020 to save myself and my family money that we could have spent on our day to day living. I consolidated into a Direct loan this morning ( to be covered under the CARES act as well as the loan reduced under the Biden Administration 's Student Loan Debt Relief Plan ) but still upset that this should have been presented to me as an option back in 2020. That would have meant that I could have not had interest during this time ( increasing my student loan cost ) I would love for all the interest to be removed from my loan due to their inaccurate information. I called Navient to get answers, clarification, choices and was led astray and it costs us thousands. | ||||||
| 02/10/2020 | Yes |
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| In the early XXXX my husband and I consolidated our student loans. We had been married For approximately seven years and we're starting a family. And work told it was in our best interest to consolidate. The remaining parts of our student loans, which we have been paying on. Since the early XXXX. We had only had the XXXX when there have been job layoffs or one income. At the time it was Sallie Mae which turn to navient. In XXXX My husband was involved in a car accident which left him XXXX XXXX XXXX. Once The courts deemed my husband XXXX XXXX our student loans, which had been one for nearly 10 years consolidated were considered with official legal paperwork to be 100 % XXXX balance. For 7 years, we heard nothing. And had the official paperwork that showed both from navient and from the courts that there was a XXXX balance. 7 years later navient came after me under my maiden name. And told me that I owed double because of Interest the amount that was left on the consolidation. They took a federal student loan turned it into a private loan without my consent put my name on it. XXXX interest and sent it to me. I offered to pay the portion of what I actually owns. They hadn't contact me in 7 years and denied me. My husband and I are working with a XXXX XXXX XXXX XXXX. And since it is a private loan. It can not be turned into New York State education. Navient has acknowledged that. It is a private loan on record. And yet they have now turned it over to New York State education threatening me. XXXX interest rate on a loan that I don't owe. Which is double what was actually initially owed which was the remainder of a loan that I had paid down significantly with my husband. We absolutely can not find anyone to help us. Navient continues to move my name around without my consent. They refuse to acknowledge that it is paid in full. They change it from a private loan to a school loan back to a private loan to a school loan which is illegal and without consent. This is completely illegal. Is there anyone who can help us? And allow us to be part of any sort of class action or lawsuit.. Navient refuses to stop cooperate. They will not even discuss this with the XXXX XXXX XXXX XXXX company that they are legally obligated to speak to because they have turned it into a private loan. | ||||||
| 04/16/2016 | Yes |
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| Last month I received a letter from Navient stating that there was an error in my consolidated loan- that the XXXX loans within the consolidation loan had different repayment schedules and that Navient was going to automatically switch my repayment schedule to the longest possible. The letter indicated if I wanted a different repayment schedule, I simply had to call Navient. I called the next day ( approx XXXX XXXX ), and tried to get the repayment schedule back to my previous schedule. This proved extremely difficult- the first call I could not reach a representative through any of the automated choices, and when I finally did reach a rep, she had to transfer me to a different section. I proceeded to wait on hold for approx 10 minutes and then instead of speaking to someone to assist me, I was instead connected to a satisfaction survey which asked about my experience. Considering I received absolutely no assistance, I would say the experience was pretty unsatisfying. So, I tried again, and reached a human fairly quickly, one who assured my the change request had been added to the account and that my next monthly payment would remain the same and not revert to the lower payment/longer payment schedule. I assumed this would be the case and I did not request verification in writing. Unfortunately, this month 's monthly payment just came out and I see that the lower amount ( corresponding to the longer repayment schedule ) was made and not back to my normal payment amount. I understand that the XXXX repayment schedules may not have matched up within the consolidation loan, and this may be a requirement, but I do n't see why it 's necessary for Navient to revert the consumer automatically to the longer repayment schedule since this inevitably costs the borrower more in interest. And what I really do n't understand is why it 's so difficult for a borrower to contact Navient and have the payment changed back to what the borrower originally wanted ( and had been paying without incident for over 10 years. ) I think it 's disingenuous to change a borrower 's repayment schedule without their consent- but it 's even more egregious to make it difficult, if not impossible, for the consumer to change it back to the option that will ultimately save the consumer thousands in interest. | ||||||
| 09/10/2017 | Yes |
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| Navient services both my private and federal loans and make no attempt to actually help me. I have to put my loan on hold because Navient denied my application for income based repayment even though my wife lost her job last year and has yet to get a job. Navient, however, continues to collect principle/interest even though I make some form of payments. Additionally, Navient can not produce loan documents since these documents were lost that I even have a loan. Navient also uses tactics such as lost documents, delayed approval of income or forbearance applications. One tactic in general is Navient will not allow you to apply for multiple programs once you enter a deferment. In other words and as an example, my wife lost her job last year, I can not afford the payments, yet I was denied an income based loan three days after I started collecting principle on a defaulted loan. Navient had my application 3 months prior to the income based renewal, they said they lost the paper work, Really, its digital ; how can you loose that? I also feel I was lied to by XXXX on the degree I received, which by the way is also involved in class action lawsuits based on predator loans and false promises. I respect I am contractually bond to my XXXX/Navient loan, however, when this degree and loan is based on a lie and Navient makes no attempt to do the right thing and help borrowers. Then this loan/contract is null because Navient exploits the loan and the borrowers. How can the Government or CFPB allow Navient to compound interest and principle while harassing thee borrower and not helping the borrowers when he or she can not make the payments due to life changing events? My loans have doubled because of tactics Navient is accused of and Navient cant even produce a copy of my loans. At this point I either have to fully default or hire an attorney because Navient only wants to take advantage of borrowers rather then help them using thee same tactics as XXXX XXXX XXXX with home loans. Finally, Navient has 7 personal lawsuits related to this complaint along with a class action lawsuits, one from cfpb I believe. I am asking the public, cfpb and anyone else reading this complaint that I am fully willing to join any private or class action lawsuit and to contact me at XXXXXXXXXXXX Thanks, XXXX | ||||||
| 05/16/2018 | Yes |
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| Re : Acct # XXXX According to Navient and another collection agency called XXXX XXXX XXXX XXXX, I am indebted to them in the amount of {$11000.00}. I have on numerous letters requested validity of their claim. All that l have been receiving spreadsheets with numbers on them. I have reached out to all 3 Credit Reporting Agencies, XXXX XXXX XXXX XXXX, and Navient on numerous letters ( Please see attached letters and their responses from Navient ) have FAILED to honor my request. I have no knowledge of the validity of the alleged debt, nor of the certifiably compliant matter to either its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known to Navient any debt claim must be pursued for collection in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection regulations associated with said claim to include but not limited to the FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, Navient has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitant to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim by Navient and I call on the CFPB to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requires to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. | ||||||
| 05/15/2018 | Yes |
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| Navient stopped sending me paper statements. I was then forced to send them payments in which I enclosed a check for the amount due with the corresponding account number of the loan to the address they supplied in the previous years and in three separate phone calls. In these phone calls I told them I was not receiving paper statements and requested that they remedy this situation. The calls were made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In my sending of the XX/XX/XXXX payment ( XX/XX/XXXX ) they randomly took an amount of {$73.00} out of a single check payment of {$800.00}. ( the payment due was {$780.00} ) and said that they applied it to my personal loan- to which I had sent in an overpayment for that personal loan on the same day- with the paper statement for that account they had mailed. They cashed both checks. I then got a letter datedXX/XX/XXXXXX/XX/XXXX stating that I had sent my payment to the wrong address and that it looked like I wanted my " payment to be applied to both my federal and private loan. '' This was never my intention nor was it ever indicated in any of my mailings of payments. The letter also said that if I sent it to the wrong address again I would be responsible for late fees and additional interest charges. I did not send the check to the wrong address and never did I indicate that I wanted the check amount to be applied to both the federal and student loans. I have been paying on these loans since XX/XX/XXXX and the exact manner I am now. I called and spoke to a representative on XX/XX/XXXX who could not explain what happened but once again ( third time in three months ) said I should be receiving a paper statement and that he would make a notation of the letter I received stating that it was in error. I was not told then that I had a balance due from them not receiving a payment. To note- I do currently receive a paper statement for my personal loan and used to get the paper statement for the federal loan. I also always over pay the personal loan to apply more to the principle due. I have not received a paper statement. Yet, I received a letter on XX/XX/XXXX dated XX/XX/XXXX saying that they had not received my payment due on XX/XX/XXXX and that I was delinquent and past due with an outstanding balance in the amount of {$58.00}. | ||||||
| 09/15/2017 | Yes |
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| I borrowed approx {$55000.00} in parent plus loans, beginning in XXXX and ending in XXXX for the purpose of financing XXXX of my childrens ' education. Some of the loans were co-signed by my ex husband, and all were qualified through the income from his business. Divorce papers were filed in XXXX of XXXX, and he blocked me from access to all family finances, while refusing to make payments on these loans, which then went into default. The divorce became final in XXXX, and the divorce agreement stated that though he retained his profitable business, we were equally liable for the balance of the loans, and I did not have the resources to hire a lawyer to hold him accountable. I called the loan company, who insisted that the only option was to put all of the loans on forbearance, and the only way they would do this was if I consolidated the loans into one debt. As per their instructions, I signed the loan consolidation papers and the new loan was placed on forbearance status. Without the guidance of a lawyer, and based on the " expert '' instructions of the Navient employees, I unknowingly removed my ex husband from any liability or connection to the loans by only signing my name. In addition, every time the forbearance status came due, I was advised to renew the status. At no time was an income based repayment plan offered or discussed. As a result, this loan was on forbearance from XXXX until approx XXXX when I called and asked about the IBR plans, adding capitalized interest at astronomical rates, and bringing the balance up to {$87000.00}. If the subject of an IBR plan had been discussed when the loan was first consolidated, the interest would not have been capitalized and the principle balance would still be at my original {$61000.00}. Navient 's employees should be held accountable for providing incorrect and harmful information, in this case unnecessarily increasing my debt by {$20000.00}, lengthening the repayment time, and resulting in the removal of the co-signer 's liability. I will be XXXX years old when this debt is dismissed, and I will never have made a dent in the balance, due to the high interest rate on the higher principle. In addition, with the high balance to principle ratio, I will never again be able to buy a car, house, or establish useable credit. | ||||||
| 09/13/2017 | Yes |
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| I have been paying on my student loans for over 5 years now and the interest that keeps getting added is higher and higher. Ever since Navient took over, they have taken more than half in interest and my principal payment is a joke. Until XX/XX/XXXX of last year, I made regular XXXX dollar a month payment on XXXX dollars. I did take 2 XXXX courses at XXXX in XX/XX/XXXX, although the interest that accrues daily is ridiculous. I dropped my payment to a " graduated '' repayment plan which has not made a dent in what I owe. I am almost 6 years into repayment and I am so frustrated. I bought a car in XX/XX/XXXX which required me to lower my payments to make my student loan payment each month ( which I HAVE ALWAYS DONE ON TIME ) and my car payment interest is NOTHING to what I am dealing with as far as Navient in " accrued '' interest. This is absolutely unfair to all borrowers who make their monthly payments on time and still have not been able to cut down even a fraction of what they owe. 5 years???? I should be seeing some results by now and each time I have asked about forgivness, I was told by Navient well now since you have dropped your payment, graduated repayment will not allow for forgiveness when you reach 120 successful payments. There is NO WAY I can continue to throw money AT INTEREST that is going nowhere with my principal, am a single mother and working 2 jobs to keep myself afloat. I have a strong work ethic, and I took out the loans to further my education to be able to support myself and my child and since I have made every payment on time I should be seeing some dent in this debt. Also this summer, I took XXXX college courses from a grant funded program only to notice that I was not seeing any payment reminders from Navient. I calIed and was told that my loans were in deferment and I did not need to make another payment until XX/XX/XXXX! I was never informed of this action by the school or by Navient and feel this is just another way to keep the interest building. I feel as though I am being robbed and I need help. I am sick of hearing that well you can take this option but ... ..the interest will keep accruing. Also, I am offended that those who are faithful in making each and every on time payment are basically being left out of the lawsuit. PLEASE HELP! | ||||||
| 02/22/2018 | Yes |
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| On XX/XX/XXXX, I called Navient to discuss by payoff and to negotiate pay off amount due to my high interest of 16 % on one of my loans with Navient and 10 % on another loan with Navient. I was transferred 4 times and I was finally told they would only allow a discount of {$200.00} of my total due because I was not in default and that was all they could help me with. Unfortunately, due to my financial circumstances, I can no longer pay my monthly payment of {$420.00} and with this outrageous interest I can not just stop paying. On previous phone calls I had with them, I tried to ask for a lower repayment plan but according to them with my annual gross of less than {$25000.00}, {$420.00} was the least they could lower my monthly payment. I have tried other avenues, such as refinancing with another student loan company with a lower interest rate, however due to my financial situation no one is willing to refinance my loans. I tried calling Navient again the same day and when i wouldnt take " NO '' for an answer I was finally transferred to a person that was willing to take down my financial information to submit for review to his supervisor. They informed me that I would receive a response within 1 week. I have called every week in XXXX for an update and they said my information was still under review. I called again today, XX/XX/XXXX and I was told the supervisor that was going to review my information was on vacation and it was unknown when she would be returning. I feel like I am being given the run around. I am in distress financially and I have been up to date with my payments and when I ask for help, I should expect help when I have been a good paying customer. {$200.00} does not help me payoff my loans. I have done everything in my power to pay off my loans and work with Navient to do so, but they have not shown me their urgency to help me while my interest just keeps adding up while they are on vacation. I think they should at least transfer my information to another supervisor to review and give me an answer quickly not making me wait for a month for an answer and having me try to figure out how to make my next payment. Navient is not urgent in taking care of these matter quickly. Instead they give people the run around hoping they will just give up or pay up. | ||||||
| 05/24/2017 | Yes |
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| Hello CFPB, XXXX XXXX 2017 I called Navient 's cu stomer service to ask for an amortization schedule because I noticed how all my extra payments were not being allocated to the principal. They immediately denied me saying " we do n't give amortization schedules on private loans because the interest accrues daily and it varies. '' I then asked them why my l ast three mo nths worth of extra payments were not going to the principle like they previously told me they would ( i.e. paying extra money only on the due date goes to the principal ). She never gave me a reason. She just kept saying every month is different because of the daily interest. I then posed this month 's ( XXXX ) s cenario : My monthly amount on my loans this month was around {$800.00} and I paid {$2000.00} and it was due and paid on XXXX XXXX . Only {$700.00} went to the principal and {$1200.00} went to the interest. Why is the bulk of my payment going to my interest if I paid well over the {$800.00} that month? Again, she/Navient said because of the payment advance made in XXXX it lowered the principal payment for XXXX . However, they do n't bill " future interest '' ( a t erm I had never even heard before, who bills future interest? ) so they/Navient said there we re ( hidden ) interest fees that were due for XXXX and that is why it went to interest. I then asked ... what is your ideal option for paying down the principal since paying on the due date obviously does not work. To that she replied, set up a automatic payment plan so it is taken out every month on the due date. With all my power, I tried to calmly reply " that is what I have been doing and you still do n't apply it to the principal! ". On top of all this deception, they do n't even post the amount due as a record to be compared against your payment history. They only show the amount you paid and the allocations to principal and interest. This company is scum and it has to stop! I have never defaulted on any loans and I do my best to pay extra ever single month on the exact day it is due and they continue to con me! We are damned if we do and damned if we do n't. I have a perf ect credit score that i s the only reason I have n't slacked off in spite of their foolery. PLEASE PLEASE HELP!!! XXXX XXXX XXXX | ||||||
| 01/28/2019 | Yes |
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| Good afternoon, I am not sure where to begin or how to handle this. I got a student loan XX/XX/XXXX, was making payments had some money issues and was in forbearance and continued with payments after the forbearance cycle. XX/XX/XXXX My husband and I filed Chapter XXXX Bankruptcy and in this bankruptcy was my student loan with XXXX XXXX XXXX/XXXX for the remainder of my loan {$1400.00}. Per the paperwork from my attorney the student loan was included. Our bankruptcy has been discharged as of XX/XX/XXXX. On XX/XX/XXXX I received a letter from Navient that my student loan was now being serviced by Navient. I contacted them via telephone, XX/XX/XXXX, spoke with a XXXX and she informed me that my loan was my responsibility. I asked how that could be when my student loan was included and paid through my bankruptcy. I asked her to investigate this a little more for me as she could not answer my questions. My first payment was due XX/XX/XXXX, total unpaid balance was {$1800.00}. I made 2 months of payments XXXX and XXXX, I did not not want them to reflect negative on my credit report. Still waiting for a response to my questions from my phone call to Navient. I have now received a letter from Navient XX/XX/XXXX, that my student loan was paid in full, the very next day I received a refund check of the payments I had made in XXXX and XXXX. I was thankful for this after speaking with XXXX I thought they had rectified this account with the bankruptcy courts and the fact that I am trying to get us on good credit standing since finishing bankruptcy. Now as of last week I received another Statement from Navient dated XX/XX/XXXX stating my loan amount is {$1800.00} and payments are due starting in XXXX. I called Navient XX/XX/XXXX spoke with XXXX, after he reviewed my account he informed me the letter stating i was paid in full was sent to me in error?? why and how was not explained, I stated this was paid through bankruptcy and he stated it was my responsibility and they could not help me with anything even though the letter was sent in error they were not willing to work with me. I don't believe I owe this balance and do not know where to begin to fight this. I am hoping you can help me with some advice. Please and Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX | ||||||
| 03/16/2017 | Yes |
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| Navient XXXX Student Loan. Name : XXXX XXXX, XXXX, CA XXXX email : XXXX Phone : XXXX Synopsis : my student loan originated through XXXX as recommended by my college and I received a XXXX student loan for XXXX amounts : DATE : XX/XX/XXXX {$41000.00} DATE : XX/XX/XXXX {$8200.00} TOTAL LOAN {$49000.00} I was enrolled at The XXXX in La Jolla, CA which offers a XXXX in design with a 4 year program. As I was also working at the time, it took me several years to graduate. I was at the time living at my address above. During the period of XX/XX/XXXX through the present I married in XX/XX/XXXX, had a child in XX/XX/XXXX. During the period from XX/XX/XXXX to the present my husband took hundreds of dollars and maxed out my credit cards, in addition to re-financing my house without my knowledge. The child and I suffered much abuse and confinement from my spouse and I was secretly moved to a safe house in XX/XX/XXXX where I lived for many months. In the meantime I filed for divorce in XX/XX/XXXX and custody of my child as we had been confined to the house without hot water or gas to cook and wash, as well as other conditions. In the mean time I was attending school and working with my parents taking my son until late XX/XX/XXXX when they moved to XXXX. I have been continually harrassed by Navient throughout the period following my graduation and until the present. I have been threatened almost daily this year with Default and was forced into Forbearance in XX/XX/XXXX. I had been making loan payments whenever I could. In XX/XX/XXXX-XX/XX/XXXX I filed for bankruptsy as my former spouse had used my savings and salary for his own disposal, including gambling in the stock market and losing hundreds of XXXX dollars. As of Today, XX/XX/XXXX I am employed and Also have a 24 month old daughter. I am XXXX of XXXX and still suffering to make ends meet. The Navient Harrassement which is constant has now threatened me with Wage Garnishment of 25 % beginning on XX/XX/XXXX unless I pay nearly {$10000.00}. by that date. I do not have any financial resources to accomplish this payment and fear the worst. My current loan balance with interest is to date at {$79000.00}. I am writing to ask if I have any recource with the current lawsuit filed by the CPFB against NAVIENT. Kind regards, XXXX | ||||||
| 07/02/2018 | Yes |
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| XX/XX/2018 i called Navient because they continue to contact me about late payments. I recently received an email stating that I owe {$730.00} in payments. In XX/XX/XXXX I attempted to consolidate this loan with XXXX and they told me i could consolidate. I pay XXXX $ XXXX month, another Navient loan {$88.00} a month. I asked them why they said i could consolidate if i couldnt. I never heard from them since XX/XX/2018 when I thought the loan was consolidated. Then in XX/XX/2018 they say no its not consolidated and you are 3 months behind. I previously had a debit of {$86.00} and it increased to {$100.00} under the rate reduction program. However, those debits stopped and I thought it stopped because it had been consolidated and it was included in my XXXX payments. I explained that I have no money left to pay {$730.00}, they insisted that i pay it the same day or {$170.00} by credit card. They then offered to put me on a 6 month interest only plan, which i still cant pay. What happens after 6 months. They said i had exhausted all forbearance. These people do not try to work with students forgetting that we too have living expenses. The rep said i could only refinance the loan amount which is {$38000.00}. I enrolled in University of XXXX XXXX and never got a degree because they coerced me into getting all these loans when i ran out of federal aid. I have tried to no avail to find out who and where all this money went. At one point Univ of XXXX said to me that they didnt refund money because students would use it buy cars, WHAT!!! University of XXXX XXXX was predatory telling me that it would be 18 months to earn my degree, yet they used predatory tactics to make you continue taking the same classes over and over then setting you up for more loans. I do not believe that Navient will assist me in any way except to sell XXXX to send them money. I am a XXXX XXXX XXXX XXXX without a XXXX XXXX XXXX promised. I completed the entire XXXX XXXX XXXX XXXX program but received a " XXXX '' in one class. They tell me I need to repeat the entire program again. I have never heard this happening to anyone. Its not fair what Navient is getting away with. They will not accept anything other than what the scripts says. Please contact Univ of XXXX XXXX also for an explanation. | ||||||
| 07/07/2018 | Yes |
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| Consistently over the course of the past few months I have had my overpayments on my Federal accounts misapplied. I have called repeatedly to have them corrected. It seems quite deliberate at this point, considering the fact that each time I pay more than the minimum payment I am entering the total amount to be paid on each loan through their website. There is no way things are being miscommunicated between myself and Navient because you clearly type the amount in for each loan. The problem is 100 % on their end. A second issue involves the fact that I was told several years ago that Navient does not provide a reduced interest rate for automatic withdrawal from your bank account. when I previously had only been paying via handwritten check through the mail. Now that I have more recently started managing the account online and paying through e payments, I stumbled upon the fact that this is actually available and requested automatic payments for all of our private accounts and my spouse 's federal accounts with her permission. First, I am sure that this was available all along and they had previously lied to me about it. Secondly, when they finally began to process my request for automatic withdrawals they improperly applied it to the only account that I did not request it for ... my federal account. So as of right now they only applied it to the federal account that I did not submit a request for and I still have the confirmation saved proving which accounts were to be processed too. The remaining accounts that should have been processed with my private loans and my spouses federal loans no longer appear to be pending. The part that makes no sense is that their federal processing is separate from their private and is 2 completely different departments and phone numbers etc. So explain to me how they process a request for my federal loan to be on autopay when my request for my private loans to be processed was even separately submitted from my spouse 's request for her federal loans???. I have had it with dealing with them and want to know what I can do as recourse. Its just not fair. If i quit paying my loans because of what I am convinced is deliberate mishandling at this point, it will only hurt my credit score etc and it appears that they are immune to reprisal. | ||||||
| 12/18/2015 | Yes |
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| I made a payment agreement with XXXX which are the debt collectors for Navient Student Loan. I made a settlement amount of {$4200.00} to completely pay off my student loan that they currently hold from XXXX XXXX. This agreement was made in XXXX XXXX. XXXX XXXX would deduct eleven payments of {$150.00} starting from XXXX XXXX from my banking account and then XXXX final payment of {$2500.00} on XXXX XXXX. I made all of the eleven payments for {$150.00}. I then spoke to XXXX about the final payment stating that I could n't make it in XXXX but instead in XXXX XXXX. XXXX called navient to make sure that this would be okay by getting me an extension till XXXX XXXX to satisfy the settlement. Navient agreed to this and gave the extension. I made the final payment on XXXX XXXX, XXXX for {$2500.00}. I then called Navient three or four day 's letter. They instructed me that my payment has been received from XXXX XXXX and my agreement has been fulfilled. I then asked when could I receive my settlement letter and when would this be reported to the three credit bureau agency 's XXXX. Navient stated that I would have to wait 30 days so the payment is verified. I said okay. I called back 30 days later and a representative from Navient stated that their policy has changed a week ago and that I have to wait 45 days. I argued with them and they said that there is nothing I could do except to provide proof that the funds have cleared. I stated no when they have had the funds for over 30 days now. I asked to speak to a supervisor they said okay and then I was hung up on. This happened all three times that I called back. I called back 17 days later asking for my settlement letter. I was told that my account was delinquent and that not all funds have been paid. I called XXXX as they stated that that was incorrect and that all information was sent over including the funds to Navient on XXXX XXXX, XXXX stating that my account was paid in full for the settlement amount. I called back Navient and they stated that they would open an investigation and to call back after 3-5 business days. They also stated that if this matter has been clarified and my account settled that it would not be reported to the credit agency agencies for 60-90 days. The supervisor informed that this is Navients policy | ||||||
| 08/05/2016 | Yes |
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Web | Older American |
| I had a series of student loans originally obtained from XXXX but which were consolidated and then serviced by XXXX XXXX. The interest rate was locked in for the life of the loan ( only XXXX loan since the consolidation took place ) and have thereafter been paying the loan off monthly and have never missed a payment. Some time last year ( I believe ) the loan was transferred to NAVIENT and I continued paying off the loan. Again, never missing or late with a payment. Since I have the loan paid to NAVIENT via my online bank XXXX I noticed that my last months payment had gone up {$30.00} per month. I contacted NAVIENT by email and informed them that since my loan consolidation was at a fixed rate of interest for a fixed time period, unless they could provide me with a logical and SPECIFIC reason for the increase, I had no intention of paying the increased charges. I received an email from NAVIENT stating " after a review of your loan, we noticed that the minimum monthly payment amount needed to be modified to allow the loan to be paid off in the agreed upon timeframe. As a result, we adjusted your monthly payment amount so that your loan will be paid off as scheduled. The interest rate on your loan has not changed. '' I so not find this to be a satisfactory response in that when the loans were consolidated the lender and I both agreed to a specific interest rate and number of payments to satisfy my obligation. I further understand that there has been an extremely large number of complaints filed against NAVIENT since they took over collecting student loan payments and I can now understand why this is happening. I also understand that the Government is considering, suing NAVIENT for their methods and operations if they have not already initiated such an action. My attempts to deal with NAVIENT representatives has proven fruitless. Their telephone reps are ill informed to say the least. Additionally, they call me daily regarding this matter but when I call them back, the reps are not qualified to discuss the issue. It seems that this whole effort on their part is a ruse to increase their income or profits. It seems I have no other option to file a complaint with your agency with the hope of ultimately getting these people out of the student loan collection business. | ||||||
| 01/12/2016 | Yes |
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| I am on XXXX and live on a fixed monthly income. I 've exhausted all of my other options, forbearance, deferments. Etc. I called XXXX XXXX or XXXX, XXXX and spoke to a gal named XXXX. She asked a bunch of questions about my finances and we worked to try and get a reasonable payment plan, incuding reduced interest rate, to no avail. She said some forms would be sent and I would get them in two to three weeks. This was a form for my doctor to sign. It was never sent. In the meantime, I have been slammed with phone calls from Navient, sometimes up to XXXX and XXXX times a day. Early on, I put a block on all the numbers they call from. XXXX time, I did answer. I had been asleep. My wife had also been asleep. She kept asking where the paperwork was. The guy said, very frankly, it would be a miracle if the loans were forgiven. We explained to him the situation, and that if I could pay, I would. He did mention that if I could pay an ex amount on the phone right then, they would n't send my account to collections. He also said, in a very rude and condescending way, my loans and payments are my responsibility and when I signed for them, I agreed to pay them back. My wife kept asking where the form was. He told us we could find the form online. My wife asked several more questions, but the guy got impatient and hung up on us. Great customer service. The form still had n't arrived, so I called again 2 1/2 months later, right after XXXX, just after the first of XXXX. The gal said the previous rep had filed the information wrong or sent it to the wrong department. The form was to take 2-3 weeks. That was the first of XXXX XXXX. Today is XXXX XXXX, XXXX, and still no form in the mail. I am tempted to call XXXX more time, to give them the benefit of the doubt, but, after my wife got to reading about all the consumer complaints about Navient and read them to me, I decided to take action. Why is it taking so long to get XXXX form out in the mail? Meanwhile, my good credit score is now shot, I am in default, and I have been denied a loan through the USDA to help get my parents house repaired so I can move out of my rented townhouse into their old house 3 hours away. My parents are not well and we can save a bundle on rent to be able to pay off my debts, including these loans. | ||||||
| 02/13/2023 | Yes |
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| XX/XX/2023 XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, North Carolina XXXXXXXX Navient XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Certified Mail Receipt # : XXXX It whom it may concern, I agree to pay the following financial obligation regarding account numbers # : XXXX, XXXX, XXXX and which I might lawfully owe on one condition : Within 15 days of the date of this Conditional Acceptance sent certified mail receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. Verification of your claim against XXXX XXXX XXXX XXXX, that is, a signed Invoice. A copy of the Contract binding both NAVIENT AND XXXX XXXX XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. The XXXX number under which my loan was securitized to. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301. Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. Thank you, XXXX XXXX : XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved | ||||||
| 01/27/2017 | Yes |
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| I consolidated my loans, they put loans in there that I did not want consolidated. They are very deceitful, dishonest and convince you to forbear because the monthly payments are so high that it is not possible to be a single, working, educated woman starting your career. It is completely disgraceful and not only is it hurting the United States Economy, by not allowing the millennials to be able to buy a house, but to continue to be indebted forever to loans. It is nearly impossible to be able to survive with student loan debt. It is stressful to have to owe {$250000.00} + and know that you are going to have to be paying for the rest of your life and then having a company be deceitful, raise interest rates, make it seem like consolidating or forbearing is a good idea. They take advantage of the American consumer who is not nearly as educated and knowledgeable about student loans. Furthermore, I recently had an issue where my father sent payments in to the loans that he is a co-signer on and they stated that they did not receive one of the payments, which was sent out the same day as the other one. Then they tried to blame it on the holiday, which was two weeks prior. I lived in XXXX and know how long it takes for a payment to get from XXXX to the XXXX ( XXXX ). Also, they called me every day multiple times and said it was going to affect my credit. I had to explain the runaround to every person and when some lady with half a brain finally found out what happened to the payment, it was misapplied. Misapplied? How many times have my payments gone into space or been misapplied? Makes you wonder who we are sending hundreds of thousands of dollars to. They are crooks and should be shut down by the United States government. My loans for XXXX were probably around {$25000.00} and my parents have already paid in access of this. They have requested multiple times for a payment book, a paper trail so we can verify what is getting paid every month and they refuse. There have been numerous times where payments have been applied to wrong accounts or went missing. I am a hard-working, newly-admitted attorney who should be able to save for my future and buy a house, but I am inundated by student loans with astronomical interest rates and continue to get XXXX by this provider. | ||||||
| 05/09/2017 | Yes |
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| I have a current dispute with XXXX XXXX/Navient dispute # XXXX. The company has sent in a reply and the dispute is closed. The answer from the company is erroneous. They are now claiming that my son did not submit payments for 5 months claiming that his bank account information was incorrect and the account used to make payments did not exist " there was no bank account with the information XXXX submitted ''. It is rather odd that XXXX XXXX was undergoing a " name change '' due to the negative publicity it received for several years and changed the name to Navient with my son XXXX 's loaned serviced by the new company. At no time did my son change banking institutions. It was XXXX XXXX and Navient who erred in transporting the information to the new servitor Navient. Look at the timing of these errors during the period of change of XXXX XXXX as the servicing agent and Navient. Rather suspect and odd that it is so close in time when these errors where made. It is also rather odd Navient states that " as cosigner you are equally responsible for repaying the loan that you cosigned '' and you report " We confirmed that we spoke to you in XXXX and XXXX XXXX and advised you of the missed payments but you were not willing to make payments to bring the account current '' You also stated that payments made by XXXX during this period where no full but partial payments whay is that not explained in the investigation. I have the names dates and times I spoke on numerous occasions to both XXXX XXXX and Navient people. As for not paying the loan and being responsible I have attempted to pay the loan off but have been told I will not be able to get a letter so that I can take the tax advantage write off as a cosigner. Your employee states that it is law that only XXXX can receive this letter and take the tax write offs. If this is correct than how is it that you can effect my credit report as well as XXXX 's. It XXXX died would I be responsible I am XXXX and on Social Security XXXX. You ca n't get blood from a stone. Other than this negative credit report my credit is impeccable. Both XXXX XXXX and Navient are predatory loan companies that the federal government should put out of business. At no time should this ngative information been placed on my or XXXX 's credit report. | ||||||
| 08/18/2019 | Yes |
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| I have 3 student loan accounts from the creditor Navient. On each of the 3 loans theres reported late payments from XX/XX/2016 - XX/XX/2016. This information is inaccurate as the loans were in forbearance at the time and no payment was due. The FCRA forbids XXXX from reporting this information because it is inaccurate and I have provided an abundance of information proving it to be inaccurate. A) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. . (B) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if . (i) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate; and . (ii) the information is, in fact, inaccurate. XXXX only states they are submitting a "dispute" or "investigation". Black's Law Dictionary defines an investigation as INVESTIGATION. To follow up step by step by patient inquiry or observation; to trace or track mentally; to search into; to examine and inquire into with care and accuracy; to find out by care- ful inquisition; examination; the taking of evi- dence; a legal inquiry. XXXX XXXX XXXX, 49 Mont. 46, 139 P. 999, 1001; People ex rel. XXXX XXXX XXXX, 217 N.Y.S. 477, 479, 127 Misc. 791. Application of Gilchrist, 130 Misc. 456, 224 N.Y.S. 210, 219. I have provided a preponderance of irrefutable evidence and information to assist in XXXX investigation. XXXX is violating my rights as they are granted to me under FCRA, and falsely misrepresenting themselves as an authority capable of deciding against the ruling of the U.S. high court and Federal Trade Commission, the governing body over the FCRA.I have attached an email showing my request for forbearance during the reported period, a letter from Navient confirming my account was in forebearance during the time, a historical report of my loan status from the National Student Loan Data System, and the FTC Harris Advisory opinion which is a ruling that states plainly, this information should be updated. | ||||||
| 04/06/2020 | Yes |
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| I took out a {$12000.00} private student loan from Navient ( then Sallie Mae ) when I went to the University of XXXX. My mother cosigned on the application. It came with a 9.75 % variable interest rate, which was terrible, but neither my mother or I were very financially literate going into student loan borrowing, and we made some bad decisions. It's my understanding that since then, such a loan has been made illegal and labelled as predatory. I graduated into the recession with a XXXX XXXX degree, and spent years making just enough to live on, unable to repay any of my loans and also cover my bills. The last four years, however, I've been making a stable wage and paying my loans on an income-based repayment plan. I make about {$28000.00} a year after taxes, and in the last four years I've paid {$26000.00} against my student loans. My federal loans received {$13000.00} of that - dropping my principle by around {$1000.00} or so ( the rest went to interest ). My private loan got the other {$13000.00}, and the balance on dropped a few hundred dollars. I called to ask about dropping the interest rate now that I'm paying reliably, but they declined. They have no legal force to press them to care, so why would they? I pay {$7000.00} in interest to student loans, every year, just for the privilege or being able to reduce my total balance, but that {$7000.00} a year is all the money I can spare - so my balance doesn't drop. I can't consolidate my private loan in with my consolidated federal loans, because my income to debt ratio is too low. I borrowed less than {$60000.00}, and I have no problem paying that back, even with a reasonable amount of interest - I'd have it done in another 10 years if that was all that was needed. But since my loans grew and grew for years, and since so much of my ability to pay goes to my constantly stacking interest, I'll end up paying over $ 250- {$300000.00} for my piecemeal XXXX college education. If I can't increase my earnings and therefore my payments ( unlikely given wages have been stagnant for 40 years, and especially unlikely now that we're going into another recession ), then I'll pay until I'm eighty years old, without any saving for retirement, without any access to economic security or flexibility, without any hope. | ||||||
| 12/20/2019 | Yes |
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| My complaint is about a student loan servicer, Navient, that has attempted to steal, cheat, lie and admit to their wrongdoing, but will not offer to fix their mistakes. Navient has violated several State consumer protection laws and several Federal laws. The only relief I am expecting Navient to provide is to reverse the charge off since they admitted to that mistake ( with no cost to me ), make corrections to the credit bureau ( mine and my my cosigner ), place my account back in good standing with $ 300-350 monthly payments. Below is a brief timeline of the important events. I currently have all records and documentation to prove all events. ( not every event is listed here, I will attach a full timeline event ) 1. They illegally tried to debit more money out of my checking account 2 months earlier than what their emails said ( I currently have those emails ) 2. After several attempts of trying to reinstate my original payment amount ( I currently have that documentation ), no one at Navient reinstated my request. 3. I was told the exact date when my loans would Default ( I currently have those records and Navient admitted to their mistake ) 4. Navient charged off my private student loans 30 days sooner than they were supposed to ( I currently have those records ) 5. After Navient admitted to their mistake, they would only reverse the charge off if I payed {$580.00} ( I currently have those records ) 6. When I told them I just started working while being unemployed for 4 months, I couldn't afford the {$580.00}. And that I could pay $ 50-75 that day and {$300.00} monthly payments, they said no, I would have to pay the {$580.00} that day. ( I currently have those records ) 7. When I offered to pay {$50.00} that day, they told me they couldn't accept my payment ( I currently have those records ) 8. When I mailed a {$300.00} check to Navient in XX/XX/XXXX, they returned it stating that it was an " invalid bank account number '' ( I currently have those records ), my bank account number has been the same for 24 years 9. When I contacted my bank, they verified for me that no one had attempted to cash the {$300.00} check ( I currently have those records ) 10. When I mailed a replacement check for {$300.00}, that check has never been cashed nor returned to me. | ||||||
| 12/27/2018 | Yes |
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Web | Servicemember |
| For approximately eight months I have had an automatic payment plan with NAVIENT. This plan was established to bring my account current, ensure all monthly payments were on time, and to avoid further late fees or penalties. However, after the agreement had been made I started receiving repeated calls and emails from NAVIENT stating that I had missed payments and that late fees would be applied to my account and that it would ultimately affect my credit. I was told to contact XXXX XXXX which I did. I explained that the late fees and missed payments made no sense. Records clearly showed that we " agreed '' to {$100.00} payments to be deducted twice per month for a total of {$200.00}. No payments had been missed and my payment history on NAVIENT 's website clearly showed everything was current. NAVIENT researched the matter and said that I had repeatedly missed a {$6.00} payment which was caused by a change in interest rates. I reapetedly asked why this wasn't addressed eight months ago when we entered the repayment agreement? There absolutely no answers to the question, and it clearly did not matter to them that my credit was being impacted by a questionable and arbitrary {$6.00} fee. So, to address the matter I had to enter into another repayment " agreement '' for the {$6.00} which was to be automatically deducted each month. I was told that this would eliminate any additional fees and that my account would be current. The last {$6.00} payment was deducted on XX/XX/2018, and my initial payment of {$100.00} was deducted on XX/XX/2018. So, according to NAVIENT, I will now pay {$100.00} twice per month even after we both agreed to {$100.00} twice per month eight months earlier. Now, on XX/XX/2018 I am receiving phone calls and emails from XXXX XXXX saying that my account needs attention again and that I have been repeatedly missing a payment. The amount missed now is {$10.00}. Without any explanation for the new amount owed, it has already negatively impacted my credit. I simply do not understand how I could have entered into an automatic payment plan / " agreement '' designed to prevent late payments, fees, and negative credit impacts, and yet NAVIENT keeps changing the rules and applying charges and fees with absolutely no explanation whatsoever. | ||||||
| 10/18/2017 | Yes |
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| This is in response to the lawsuit filed against Navient regarding their practices. About a two years ago, due to finally having decently steady employment, I reached out to Navient in order to get on an Income-Based Repayment plan. During this process I ended up having to speak with around six different people on six different occasions, often receiving contradictory advice. The first one said that my repayment options were limited to two particular plans ( both being much higher than the others offered ). I called back a week later, not happy with the previous conversation, only to be told by a different Navient employee that all I needed to do was fill out this particular form online, send it in, and I would be approved for the more reasonable repayment plan. I did this and received a notice that I had been rejected/declined from that repayment plan. Due to this I was a bit confused and called Navient again. I spoke with another Navient employee who told me I should have been approved and to do the same process again ( fill out the form online and send it in ) and it would go through properly this time. The employee stated that is was likely a mistake in the system and that they would get it fixed. I again filled out the online form and sent it in only to again receive another denial letter a week or so later. I called back a fourth time, frustrated and confused. In speaking with another Navient employee I was told that I needed to resubmit the online form again but this time with some extra information requested. I was assured by the employee this would be sorted out this time. Again, about a week later I received another denial letter from Navient. I called Navient for a fifth time and spoke with another Navient employee. That employee said something along the lines of, " I do n't know what those other people were talking about, you are not eligible for the repayment plan you are seeking. '' Finally, very frustrated and confused I called back a sixth time and elected to defer my loans for a year because I could n't afford the payments Navient was expecting. Earlier this year I call back to Navient seeking the same IBR plan I had been seeking previously and I was easily accepted onto it and have been paying based on it for a number of months. | ||||||
| 01/11/2017 | Yes |
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| I am a parent that agreed to consign my child 's student loan. My daughter has not worked in over a year. I make a monthly payment however, it 's not the payment amount that the company want me to pay. I have my debt responsibilities to maintain. As a result of me only paying between $ XXXX {$60.00} dollars monthly, my credit score took a hard hit. I received between 5-8 calls daily from Navient. I hit the ceiling when they told me that I had {$10000.00} available on a credit card and why ca n't I make a payment with this card. They did n't say the name of the card but I knew what card they were referring to. The customer representative has said this to me the months of XXXX, XXXX ( XXXX ) and XXXX XXXX. These people continually threaten me with court action and that they will have my salary garnished and any tax returns garnished. I have always had a high credit score however, as a result of me only making the small monthly payment, my credit score has plummeted. They say that they want to work with me, I keep telling them that I ca n't make a higher payment. I have my bills to pay as well as my living and commuting expenses. I refuse to give them my salary information. This seems to anger them. They even ask me if I have someone else helping me with my expenses ( I do n't ) I live paycheck to paycheck frugally. These people also dislike it when I tell them to review the recording on past months. I tell them the same thing over and over again. As I previously stated, I make a small payment monthly, I ca n't go any higher, I need to maintain my bills and living expenses. I can not afford an attorney. Navient is wrong, I feel, looking at my credit report and saying that they see that I maintain my bills but refuse to pay them. When I say that I ca n't make a higher payment then they say " so you 're refusing to make a payment ". I have told them that they are twisting and playing on words by saying this. This happens every month. My daughter hopes to start a new job in a few weeks. She is very timid. She cries when these people talk to her so now she wo n't talk at all to them. Once she starts working, she will make her payments. The payments will not be the payments that Navient want ( she too will have living expenses ) but payments will be made. Thank you | ||||||
| 01/20/2017 | Yes |
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Web | Older American |
| I have XXXX loans outstanding with Navient, totally somewhere around {$17000.00}. Until XX/XX/XXXX I was able to make payments, as I was working part-time in addition to receiving XXXX Survivor benefits. In XXXX, however, I had reconstructive XXXX on my ankle which kept me from working. I subsequently filed bankruptcy. The Navient loans were not XXXX, so I called Navient and told them that, while I knew I was responsible for the loans, I was not able to pay the $ XXXX they were requesting because my income was only $ XXXX. I told them that I would pay what I could each month but never less than $ XXXX, which I have continued to do. I acknowledged that I would be receiving their collection calls, but asked that they not call later than XXXX as I rose early and retired early. So far, I am receiving calls as late as XXXX, as often as XXXX calls per day, and receiving them every day until I answer. Once I take XXXX of their calls, the calls stop for that day, but resume within a few days. The conversation is always the same : I acknowledge the loan, explain my current income an inability to pay the {$240.00} they want per month, ask them to make a note on my account, and then repeatedly tell them I can only pay $ XXXX but will pay more whenever I can. We go around and around until they get tired of it and end the conversation. I have made good on my promise of sending $ XXXX. On their side of things, they will not accept that I can not afford to pay more, nor will they work with me to pay less per month, such as income-based. I was prompted to write to you because, having missed XXXX calls from them yesterday because I was n't home, the first call came in at XXXX this morning and my caller ID indicated " XXXX XXXX when, in fact, it was Navient calling. I rather doubt that XXXX would appreciate being used as a cover for Navient collection calls. I have just made, and they 've accepted, a payment for {$20.00}, even though I could better use that money toward groceries. I am at a loss as to how to proceed. I do n't need Navient calling 3 times a day, and I can not pay more than what I am sending them. We 're at an impasse and I need your help. I 'm also concerned that using a false name to fool people is more than just underhanded but may be fraudulent practice. | ||||||
| 01/29/2023 | Yes |
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| I have a consolidated XXXX loan that is serviced by Navient. My loan originated in XXXX with an interest rate of 4.375 %. I have faithfully made all payments for the past XXXX years. In or about XXXX, XXXX I enrolled in XXXX with Navient, which entitled me to a .25 % interest rate deduction on my loan and monthly payment amount. My minimum monthly payment ( without the interest rate deduction ) was calculated at {$440.00}, which is the required minimum amount I have been paying since XX/XX/XXXX ( based on XXXX records- for which I doubt the veracity thereof. Navients processes and communications are repleat with errors ). Navient has acknowledged, in writing, repeatedly, that Navient ( either intentional, recklessly or negligently ) used the wrong interest rate my monthly payment amount for 15 years. Even according to XXXX own correspondence, they have acknowledged that, for the period XX/XX/XXXX to present they were using the wrong interest rate ( Navient used XXXX instead of my actual interest rate of XXXX XXXX Thus Navient wrongfully collected and retained thousands of dollars ( over the course of XXXX years ) to which they were not entitled. That was my money, it should have stayed in my pocket and earned interest. Navients responses to my complaints have been along the lines of even if though we calculated your monthly payment amount using the wrong interest rate, you ultimately owed more money than we collected ( ie my total outstanding loan balance/interest exceeded the overage amount Navient wrongfully collected and retained ) so we did nothing wrong ; we will not return these overcharged payments to you and we did nothing wrong by collecting more than we were entitled to. I want my overpayments returned to me, plus Massachusetts statutory interest applied to those amounts for the 15 years during which Navient overcharged me, wrongfully retained said overpayments, and their false, deceptive, misleading and fraudulent communications surrounding this matter which were designed to obfuscate Navient wrong doing and, by proving false and fraudulent information, dissuade me from pursuing rightful compensation in this matter. I demand Navient reimburse me well over {$5000.00} in actual and punitive damages as allowed by applicable federal and state law. | ||||||
| 05/19/2017 | Yes |
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| I had two student loans from XXXX XXXX which were serviced by Navient. In XX/XX/XXXX i filed chapter XXXX bankruptcy receiving a discharge in XX/XX/XXXX. From that point forward, Navient has made a breve of errors in reporting both student loans incorrectly. I have made over 15 disputes from contacting them directly and filing disputes through each credit reporting agency. However the problem continued to persist. I have been extremely clear in the accuracy of reporting these items and provided XXXX XXXX guidelines when disputing. I am aware that the student loans were not dischargable in my bankruptcy but my complaint is based on the Credit Reporting. Navient, and each bureau, have violated Fair Credit Reporting Act, US Bankruptcy Code, Fair Debt Collections Practices Act and state law in California called the Rosenthal Act by failing to appropriately report AND investigate my complaint. By Navient continuing to report my balance as charged off and not included in the bankruptcy, they effectively reported my tradeline incorrectly. Furthermore, I continued to pay my loans as best as I could and in XX/XX/XXXX I settled both loans with Navient by offering a payment amount less than the full balance, whereby they accepted both offers. Both payments were issued and the debt had been settled, however, these trade lines continued to show the account being Charged off with a balance. After 6 months of additiona disputes and conversations, Navient indicated they would revise their reporting to indicate my balance owed as {$0.00}, and contain comment/remark to state the " acct settle for less then full balance '' The tradelines as of today, continue to report Incorrectly and have been damaging my credit. Federal law poses insurmountable hurdles to bring a private Right of action for these continued violations whereby creditors would be statutorly fined at least {$1000.00} per month each tradeline failed to be cor correct after notice. Therefore, the Government has placed a protective shield around these servicers whom continuously violate my consumer rights. Over 2 years since I 've settled and paid for these loans, Navient continues to damage my credit because they simply refuse too. Please get this corrected and allow me to sue Navient for its willful behavior. | ||||||
| 04/10/2017 | Yes |
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| I have a student loan with Navient, and there is just so much to speak about this. First my interest rates were ridiculously high, when I started to repay my father and I paid XXXX dollars every single week for 2 years and we had no idea how they allocated payments over the course of XXXX private loans as well as XXXX federal loans. My student loan debt was around XXXX. we have paid XXXX dollars every month for 2 years when it became too much to handle we spoke on the phone with them for weeks because when we received statements they were very unclear to read. Sometimes they would even allocate most of my money towards my federal loans and then my private loan balance went up, I would have to call them and then they would claim there was a mistake and promised that my payments would be back-tracked to the original date and interest did n't occur during those times but who knew if they really allocated them to the right time. Which at almost 10 percent interest on a {$200000.00} loan if just 2 weeks of non-payment means another XXXX or so added to the overall cost of the loan. When they corrected their problem I truly do n't think they backtracked my payments and removed my interest that occurred during that time. After a lot of calling and bothering they allowed me to enroll in a cheaper interest plan if I enrolled in auto debit. which I did which I was never told of until 3 years into paying XXXX a month. now I am enrolled in auto debit I do have a better interest rate im not sure why they never told me about this plan, Also they have messed up a handful of times and promised that they would re-allocate my funds in a timely manner and on their statements theres no way of seeing this allocation. There are a good handful of times that they have not set well with my father and I and I see now that our feelings were correct. Also we always paid our loans weekly, im not sure they even allocated our payments weekly during the few years before I enrolled in auto debit. I just would like to see some type of action on this company. Thank goodness I have my father that somehow knows about huge loans or else I would be lost just like a ton of student borrowers. We have paid about XXXX towards XXXX/navient and my total loan has gone down only XXXX XXXX dollars. | ||||||