Date Received: 2024-01-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX Subject : Complaint and Urgent Request for Compliance Dear Navient, I hope this communication finds you in good health. I am writing to you regarding some substantial concerns I have uncovered during my thorough examination of the operations of Navient. As a conscientious consumer and advocate for ethical business practices, I believe it is crucial to bring these matters to your attention for immediate investigation and resolution. 1. Opting Out Violation ( 15 USC 6802-6805 ) : Upon reviewing the legal framework provided by 15 USC 6802-6805 , which empowers consumers to opt out of financial information sharing with institutions, I have observed potential instances where Navient might not be fully adhering to these statutory provisions. This has raised concerns about the protection of consumer privacy rights. It is my earnest request that your team conducts a comprehensive review and takes necessary steps to rectify any non-compliance issues promptly. 2. Credit Report Accuracy Infringement ( 15 USC 1681 ) : In the course of scrutinizing my credit report obtained from XXXX XXXX XXXX XXXX XXXX I have uncover discrepancies that may be in violation of 15 USC 1681. This crucial federal law mandates the accuracy and fairness of credit reporting, placing a responsibility on entities like Navient to conduct thorough investigations and promptly rectify any inaccuracies. Ensuring compliance with this law is vital for maintaining consumer trust and confidence. 3. CFPB Complaints Negligence : My investigation has brought to light a potential neglect in addressing and resolving complaints submitted to the Consumer Financial Protection Bureau ( CFPB ). Failure to actively engage with and resolve these complaints is a direct violation of CFPB regulations. I urge Navient to conduct an in-depth internal review, recognizing and rectifying any shortcomings in addressing outstanding complaints. This proactive approach is not only essential for regulatory compliance but also crucial for upholding the reputation of your organization. 4. Privacy Act of 1974 Non-Compliance ( 5 U.S.C. 552a ) : Preliminary findings suggest a potential non-compliance with the Privacy Act of 1974 ( 5 U.S.C. 552a ). This federal legislation mandates precise management of personal information by government entities. Any deviation from its stipulations requires immediate attention. I strongly recommend that Navient initiates an immediate internal audit to ensure strict adherence to the Privacy Act. Proactive steps in this regard will not only align the organization with legal mandates but also enhance overall data protection measures. 5. General Redress and Compensation ( 15 U.S.C. 1681n ) : The collective impact of these infringements has resulted in both quantifiable and intangible harm. In accordance with 15 U.S.C. 1681n, I formally demand Navient to provide due compensation for the distress and material losses borne as a direct consequence of these transgressions. This includes but is not limited to the time and effort expended in rectifying inaccuracies, emotional distress, and any financial repercussions suffered. To facilitate a fair and swift resolution, I kindly request a comprehensive response addressing each of the highlighted concerns within [ 30 days ]. I believe that your immediate attention to these matters will not only lead to a swift resolution but also uphold the integrity of legal mandates and safeguard the rights and interests of consumers. Thank you for your prompt consideration. I look forward to your timely response. Yours sincerely, XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I'm asking for lower payment options and I give them all of my payment options and I still can't afford the " so called lowest payment that they '' can give me is {$120.00}, when previously it was {$60.00}. It has done nothing but get higher and higher. I'm a single mother I do not qualify for welfare. I have rent, car note, groceries to buy. They aren't giving me any other options while they destroy my credit.
Company Response:
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Getting a loan
Subissue: Confusing or misleading advertising
Consumer Complaint: My ex wife and I were offered a consolidation loan for our Federal Student Loans shortly after we were married in approximately 1998. We have been divorced for 5 years I we are unable to separate our loan because when we consolidatednit was not explained to us that our loan was being purchased by a private loan company yet guaranteed by the Federal Government but no longer a Federal student loan. I am a XXXX and should be afforded the privilege of loan forgiveness for my portion of loan but at the least allowed to separate the loan between my ex and I. I feel we are victims are predatory lending and were taken advantage of during a difficult time financially. And now to be saddled with a loan with my ex and it's responsibility in my new marriage is a strain on my marriage. So many opportunities are available to direct serviced loans and not me because I was purchased like a commodity which to me translated into modern day indentured servitude.
Company Response:
State: FL
Zip: 32832
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX Navient reported to credit bureaus that I was 90 days delinquent, however, they also reported XX/XX/year> and XX/XX/year> in good standing. This has affected my XXXX XXXX significantly, I have XXXX accounts totaling XXXX
Company Response:
State: KY
Zip: 40508
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2023 my certified letter responding to the debt within the 30 days time frame went unanswered. In this letter I requested proof of debt, itemized breakdown, any attempts previously made to collect the debt. I also requested that all correspondence be done by mail or email. XX/XX/2023 I called and asked if my letter was received. They said it had not been although it was signed for. I verbally requested items outlined above. XX/XX/XXXX a second call was made in which I was transferred to management and they attempted to get me to talk about the letter. I stated again all correspondence will be done by mail and asked for the items outlined above. XX/XX/XXXX I called again to request the items outlined above. I do not have high hopes I will receive anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There are student Loans being reported on my credit report that the department of Education has placed on my credit report. My rights have been violated and I am insisting that the inaccurate accounts and information on my report be removed at once. The investigation process has not gotten me the necessary results so I must escalate to direct disputes with the Department of Education directly
Company Response:
State: CA
Zip: 92807
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I do not have late payments I have been on forbearances
Company Response:
State: OK
Zip: 73072
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Dealing with your lender or servicer
Subissue: Co-signer
Consumer Complaint: Payments were made by me, the co-signer, for 12 years. This amounted to {$40.00}, XXXX which exceeds the original loan amount by {$9700.00}. The original borrower has made no attempt to pay. I have made numerous attempts to get Navient to get the borrower to sign the release of co-signer form. This has not happened. I am now being harassed by Navient in the form of daily phone calls, emails, and USPS mail. I know that the State of California is one of many who have taken action against Navient for unfair loan practices.
Company Response:
State: CA
Zip: 95125
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Navient and XXXX teamed up to defraud me as many other students with high interest private loans. As of today, XX/XX/2024 I owe XXXX in fraudulent student loans thanks to XXXX and Navient. I've tried using their income driven repayment plans, but Navient refuses to lower my payments to an acceptable amount. They are fully aware of said fraud and continue to harass me.
Company Response:
State: AR
Zip: 72120
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Navient, the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX, and Navient whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: CT
Zip: 06492
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A