Date Received: 2022-10-07
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I requested my XXXX from Navient in XX/XX/2022. I have heard nothing from Navient about my request.
Company Response:
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I sent a XXXX XXXX XXXX VALIDATION REQUEST by certified mail I followed up 28 days later with a NOTICE OF CEASE AND DESIST letter because none of the requested documents were sent by NAVIENT I am not refusing to pay debt I am simply asking for proof of claim
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Navient did not inform me about how I would need to consolidate through department of education directly for XXXXXXXX XXXX I was under the impression that Navient WAS an official department of education loan holder which would qualify me. They knew I was interested in XXXX and even asked if I worked for nonprofit for full forgiveness ( I havent ) but never offered to tell me how to become eligible for the XXXX. This is not the first time they have left me intentionally uneducated through omission of information. In years prior they didnt tell me about XXXX telling me instead that my only option was forbearance allowing themselves to profit off my ignorance for YEARS. Now they are telling me that the deadline to consolidate was XX/XX/22 through the department of education in order to qualify for XXXX XXXX which has conveniently passed. This is so unfair and wrong. They should be forthcoming about qualifying but thats never been in there self interest.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is a follow up to the complaint made to Navient on XX/XX/2022 and answered XX/XX/2022 by Navient complaint number XXXX. In the response Navient sent three documents that show a contract with Sallie Mae. I am aware of a contract with Sallie Mae but unaware of any contract between myself and Navient. Two Formal Affidavit of TRUTH was sent to Navient via Certified Mail # XXXX ; XXXX dated XX/XX/2022, and received on XX/XX/2022. The Affidavits of Truth laid out the identity of the original creditor, demanded the proof by copies of the original lawful contract signed by both parties in wet ink, and provided validation of the alleged debt ( actual accounting ). These letters were sent via Certified Mail Respondent was given thirty ( 30 ) days from day of receiving the Affidavit of Truth to provide proofs of claim, point for point ; however, Respondent chose to send a contract signed by another company. This lack of contractual evidence makes the Affidavit of Truth to be held as TRUE. Respondent has agreed and stipulated to the facts and agreed that the undersigned Secured Party can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper. Conditional Acceptance Formal Conditional Acceptance was sent to Navient as a result of their failure to prove the Affidavit of Truth as false. Said Conditional Acceptance was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by Navient, showing no record of response to items listed in my Conditional Acceptance sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of Navients failure to cure and honor, places Navient in Default. For the course of dealing, set forth herein, with Navient failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, and Conditional Acceptance constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Conditional Acceptance As Navient has stated in its response back it is reporting these late payments to the credit agencies during this time. According to 15 USC 1692g a debt can not be collected on while it is being disputed, therefore all reporting by this company has been fraudulent and is a violation of the FCRA. Stating that Navient by its own account purchased a contract in order to collect on a debt not owed, this is a form of identity theft. In the origninal documents sent to Navient was a cease and desist notice. By their own account in its last response they are ignoring that notice. 15 USC 1692c and d would considered these to be abusive and harassment. Below is the response back from Navient and attached are all documents sent by Navient in its response minus its proof to collect a debt in the State Of Georgia. Thank you for reaching out to the CFPB with your concerns regarding your student loan account. Navient currently services your Federal Family Education Loan Program ( FFELP ) Consolidation Loan and your Private Consolidation Loan. We have attached copies of Promissory Notes for you to review, which serve as validation of the loans. By signing the Promissory Notes, you agreed to the terms and conditions of the loans. If the primary borrower or cosigner fail to make payments, Navient must resolve the problem either by collecting payment immediately or by arranging an alternate payment schedule. To do this, we perform a progression of activities to collect delinquent payments and we work to resolve delinquencies by using all legal means available. As a matter of explanation, our calls are intended to help customers avoid Late Fees and resolve delinquency and are not intended to harass. When a payment is not received by the due date, we attempt to resolve the delinquency by making contact through phone calls and letters, intended to remind customers of their obligation, help them avoid negative consequences of missing a payment, and inform them of the options available to help them fulfill their obligation. If we lose contact with you, well use the addresses and telephone numbers listed on the loan application to contact your references to obtain your location information. Because due diligence activities are required by federal law, you may continue to receive calls and letters. Furthermore, when there is a conflict between federal laws and state laws, we must follow the federal requirement. However, we strive to follow applicable state laws which are not expressly preempted by federal law and not otherwise in conflict with federal law. We have updated your cell phone numbers to prevent any future automated calls from being placed to you. Additionally, we have attached a copy of a letter sent to us by the Secretary of State of Georgia who states, Navient XXXX is authorized to transact business in the state of Georgia. We know financial challenges can come up unexpectedly, and we want to help you stay on track with your repayment schedule. Making payments on time is always the best way to protect your credit score, avoid Late Fees, and stop collection letters and calls. If youre having difficulty making your current payments, give us a call to learn about your options. Navient reports student loans individually to the consumer reporting agencies. This reporting is consistent with industry standards. If you have an account with multiple loans, youll see each loan reported with its own tradeline. Simply put, a tradeline is a descriptive summary of a particular loans history and status. Tradeline information can include the name of the company reporting the account, account open date, account status ( open, closed, past due, etc. ), balance owed, payment history and narratives. The Fair Credit Reporting Act requires lenders and servicers, such as Navient, who report information to the consumer reporting agencies to do so with accuracy. Therefore, we can not remove accurate information from your credit report. We will update your credit report to reflect your disputed loans with the following comment : FCRA direct dispute investigation completed consumer disagrees with the results of the data furnishers investigation. Because you disputed the account information we reported to the consumer reporting agencies, we are required to inform them of your dispute when we continue to send them updates. When we do this, the consumer reporting agencies will place the above narrative on your credit report to reflect that your account was previously disputed. Please note that the update pertains only to each open loan noted in your dispute. If you wish to have this narrative removed from your credit report, call or write us at the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX PA, XXXX. Please include your name, address, and account/loan number ( s ), and indicate that you wish to have the dispute narrative removed from your credit report. ATTACHMENTS XXXX Attachment XXXX ( XXXX XXXX ) XXXX Attachment XXXX ( XXXXXXXX XXXX ) XXXX Attachment XXXX ( XXXX XXXX ) XXXX Attachment XXXX ( XXXXXXXX XXXX ) Georgia License
Company Response:
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I did not contact Navient because I've dealt with them before and they don't respond in a timely manner, so I came directly here. They are reporting my student loans as being 180 days past due, although the Biden Administration had/has a pause on student loan repayment until XX/XX/2022! How the XXXX is this even possible for them to erroneously report this over the past few months to the credit reporting agencies!!!??? Not only that, but it has plummeted my freaking score due to them being under a rock, and obviously not doing what they are supposed to?! Still messing up people 's lives although they've been sued in the past, which I will also be looking into a class-action suit as this has affected me greatly! Please help!
Company Response:
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello when I was XXXX I went to trade school and took out 2 Federal Loans through Navient in XXXX. The next year which was XXXX the loans were put on hold because of the financial disaster that had occurred and approximately a year later the loans were made active without notification. My Mother was paying these loans at the time and she was never informed of the reactivation of the loans. Neither her or I were informed when it became active again and when we finally found out it went unpaid for 10 months at which point we paid both accounts in full. It shows as a derogatory mark on my credit report. It not only shows once but four times. One account opened on XXXX and one opened on XXXX. Both accounts show twice on my credit report under different account numbers. It seems likely that they made a duplicate of each account, one is derogatory and one in good standing. 1st Acct # XXXX XXXX Acct # XXXX I have spoken to my tax attorney and this is clearly an error and he advised me to make a complaint through Consumer Finance. Im currently trying to buy a home for my pregnant fianc and daughter but have been turned down because of this error. I have attached all four accounts and you can clearly see that they are duplicates of each other being created on the same dates and having the same amount.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: 1. I can not get a hold of my loan provider : Navient. I have called them numerous times and either - get hung up on - get disconnected - or when I think I am about to speak to someone - I get transferred to an automated system asking me a survey of how my experience was, BUT... I did not talk to anyone. 2. I believe I may be eligible to receive payment or refund from Navient as there is a settlement against them and my loan is one of which identifies with the settlement I have an FFELP loan which was managed by Sallie Mae and then transferred to Navient. My loan has been in - Forbearance ( which the settlement is related to ) - Deferment for several years 3. I do not know who to contact or get in touch with as I may be owed money by Navient. I can not get in touch with Navient
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Back in the summer of 2022 I reached out to Navient to request my master promissory note for my XXXX XXXX XXXX loan. I was told that I could retrieve it online but that was not the case. I asked Navient 's customer service to send me a copy in the mail. The copy that I received is not legible. It also did not contain the rights and responsibilities of the borrowers. I would like to be sent a readable copy along with my payment history.
Company Response:
State: VA
Zip: 23116
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My federal school loans have been forgiven to due fraudulent actions and eventual school closure by XXXX XXXX. I had private loans serviced by Navient that I paid off in full but feel there is legal precendent to have these funds refunded. Navient has failed to provide proper insight or willingness to comply. Due to the Navient multistate settlement my private loans should be eligible for refund based off my schools for-profit status listed within the settlement terms.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Since 2020, I have paid on my loans a couple of times. However, the student loan was sent to collections despite the payment pauses. Also, I'm pretty sure that I read that loans that went into default would be given a fresh start but that hasn't happened either.
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A