Date Received: 2022-09-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX of XXXX, my fianc and I began the loan process to purchase our dream home and later learned that a 90-day late and 120-day late had been recorded on my credit report for XXXX and XXXX of XXXX. I was devastated! On XX/XX/XXXX, I spoke with a very nice customer service rep from Navient by the name of XXXX XXXX. Who gave me information at that time of the status of my loans. She stated that my loans had not been protected by the Cares Act because they were private loans. This news was both surprising and disappointing to me. I was not aware that my loans were private loans and I do not recall receiving notices that my loan payment was due. When I checked my loan payment status in XXXX and XXXX of XXXX, the status was no payment due and my loans were in good standing. In XXXX of XXXX, it became necessary for my fianc and I to bring his XXXX XXXX mother home from her sisters home to her own home in Indiana and we instantly became her XXXX XXXX with no plans of ever doing so on our parts. I was then and still am currently her XXXX XXXX due to my fianc having to work every day. During this time ( XXXX through XXXX of XXXX ), my complete focus became her wellbeing and XXXX XXXX XXXX. She is a XXXX patient, and my mind and focus were consumed with meeting with her doctors, nurses, certified nurse assistants, social workers, Chaplin. I was managing her medications and scheduling all the medical staff to come visit her on a weekly basis while completing a mandatory online certification to be her XXXX via XXXX XXXX XXXX Indiana. I felt confident in my mind that my loan payments had been suspended due to the President Bidens Cares Act Law that I was hearing about in the news, I did not have the mind to go online every week to check on the status of my loan payments. XXXX XXXX, also explained that I would be eligible to apply for the Public Service Forgiveness, and that I was a qualified borrowers however, I would need to consolidate my current loans. I shared with her that I am not sure that would be in my best interest as that process would double the principal of my loans and what guarantee would I have of getting part or all my loans forgiven in the future. She went on to say that she had no authority to remove the late payment posted to my credit report however, she did back out the late payment for XXXX of XXXX posted on my Navient account. She then forwarded information to my email concerning PSLF and we ended our conversation. I submitted a dispute on the XXXX credit monitoring website on this issue on XX/XX/XXXX, with no desired resolution nor change to my credit report or loan status on my Navient account. I made an attempt to log into my Navient account on XX/XX/XXXX and was unable to log in due to a system error. I called and spoke with another customer service rep by the name of XXXX, I explained that I wanted to make a loan payment and asked if I could speak with someone in management concerning a posted late payment to my credit file. She stated that there was no one there that she could connect me to and that they do not have access to anything related to credit postings. I went on to explain to her what previously happened with the late payment posting and she reviewed my payment history and then informed me that my Income Driven Repayment Plan had expired. I explained that I was not aware of that and received no notification of that. She went on to explain that when my IDRP expired, it caused my payment to increase by a few dollars and that my have been why the late payment was posted to my account but, she wasnt sure however, she could not see where I was late paying a regular payment during the months in question. She went on to inform me that she could re-enroll me into the IDRP and that according to my current income, my monthly payments would decrease significantly so, that is what we did and she sent me and electronic signature page to sign and upload my pay documents. XXXX, also apologized for the late payment being posted to my account in XXXX and XXXX of XXXX and said that if she could, she would remove it because she found no basis for it. I informed her that I would make a complaint on the Consumer Financial Protections Bureau and see if I can get some results.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Called me at XXXX pm, asked their location stated she was in XXXX XXXX. I informed her that i live in XXXX and it is past XXXX. She continued the call and did not identify herself as a debt collector and just kept asking if i was me. She continually kept asking for my address after informing her it is after XXXX and i would be filing a complaint with the CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78254
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My student loans with Navient have been charging increased interest while decreasing my principal payment. This is despite the hiatus for interest that has been identified by the federal government. I have continued to pay an increase amount every month. I am attaching a copy of the account history provided by Navient.
Company Response:
State: AR
Zip: 726XX
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I owed a student loan debt which was initially owned by XXXX XXXX but was sold to Navient. I filed for XXXX XXXXXXXX Bankruptcy in XX/XX/XXXX for other reasons. Navient was included in the XXXX XXXXXXXX plan with me owing a total with principal and interest in the amount of {$27000.00}. The total balance was paid off through a XXXX XXXXXXXX Bankruptcy which was successfully XXXX in XX/XX/XXXX. Navient XXXX XXXX XXXX XXXX is now alleging I owe {$6100.00} after the bankruptcy has been completed because a Navient Representative indicated that portion of the loan was forgotten to be included when I filed for bankruptcy in XX/XX/XXXX. Also, amid the bankruptcy in late XXXX Navient transferred/sold the loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). In addition, I asked Navient for the validation of debt and a copy of the original documents with my signature because Navient has alleged a loan disbursement was given to me in XX/XX/XXXX. I last attended graduate school and graduated in XX/XX/XXXX. I have not attended any other college or school since XX/XX/XXXX. To date, I have not received a copy of the documents. Furthermore, it is Navient 's error if they have forgotten to include this debt with my bankruptcy filing and I should not be liable for this alleged debt. Also, I keep receiving conflicting information about the loan when contacting Navient. I had started paying from XX/XX/XXXX - XX/XX/XXXX because I did not want this to affect my credit score while trying to resolve this matter as I had successfully emerged from bankruptcy. I ceased paying because this was unfair and totally a violation of the law and my rights. As you are aware there is a pause on the student loans and it had been extended on XX/XX/XXXX by President Joseph R. Biden through XX/XX/XXXX, but on XX/XX/XXXX Navient report me as 90 days late to the three major credit bureaus. There have been constant harassing calls, text messages and emails. This has caused pain, stress, anxiety and sleepless nights.
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Navient has reported half of my loans incorrectly to the Federal Database by failing to provide the actual percentage interest rate and instead just calling them " variable '' with no specific percentage interest rate noted. As a result, when I go to " consolidate '' my loans, the federal consolidation system states that the " consolidation '' process would raise the interest rates on ALL my loans to a percentage much higher than any of my current percentage interest rates. Now half of my loans have an interest rate under XXXX percent and the other half have an interest rate of XXXX percent. When I go to the federal site to " consolidate '' these loans, the site tells me that their so-called " consolidation '' would raise the interest rate on ALL my loans to XXXX percent, a horrifying injustice and violation of the federal government 's representation that the " consolidated '' interest rate should be between the current rates, not higher than them. Please tell Navient to report the actual interest rate to the Federal Database, so that the " consolidation '' does not illegally raise my interest rate on all my loans well over and above the current highest rate. Otherwise, the federal government is committing deception and theft through the so-called " consolidation '' process. Unless Navient reports the actual interest rates on my loans, I will be unable to consolidate my loans and will be ineligible for Public Service Loan Forgiveness. I have called Navient Customer Service twice about this problem, and both times they have put me on endless hold until their phone system automatically ended the call against my will. When I wrote to Navient about this problem, they replied by copying boilerplate from a manual that had nothing to do with my problem. Please help!
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XXXX stated : " Navient will be able to determine the origins of all of your loans. XXXX does not have that information. Navient should also be able to provide histories from the XXXX forward. '' Name of Owner Loan Program Date Disbursed Principal Balance Outstanding Interest Dept of Educ XXXX XX/XX/2017 {$78000.00} {$0.00} Dept of Educ XXXX XX/XX/2017 {$63000.00} {$80.00} Navient refused to provide the origin of these loans.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Because of Covid, payments are not due as in pre Covid. I have been making some payments as my choice but not regularly. Navient continues to charge interest illegally and send me threatening letters as well as impacting my credit. I don't understand how is this possible in light of the Federal Government 's ruling on XXXXXXXX loans. To be clear, I only owe a small amount now to Navient but I refuse to be hassled illegally. In comparison, XXXX XXXX, whom I work with on my XXXX XXXX loans has complied with covid rulings completely. As it should. Navient needs to be punished for continuing this type of harassment.
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: From XXXX to XXXX the loan balance was incorrect. This loan was from XXXX. I owe the XXXX. But Navient falsely put on my report that I owed over XXXX. And they continued to do this. I want the account information removed immediately.
Company Response:
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient is refusing to refund my federal student loan payments made during XXXX even though XXXX is directing them to do so!
Company Response:
State: MA
Zip: 01420
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Due to the pandemic fromMarch of 2020, Navient has been taking my monthly payment for my student loan and it has come to my attention that all payments were to be on hold. No one will answer my questions and being passed around from one person to another
Company Response:
State: ME
Zip: 043XX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A