Date Received: 2022-09-08
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I'm reaching out to you because, I been disputing a loan that appeared on my Consumer Credit Reports reported by Navient. These loan was taken on the year XXXX, while I lived in CT. The loan was taken with a private lender and was transferred to Navient back at year XXXX. Navient have been reported incorrect, incomplete amount incomplete account number, incorrect date of first delinquency, and incorrect the FCRA compliance date. Time and time again I have requested for Navient to provide a copy of original application as to when the loan was taken and as today I have not received anything. I recently spoke with Navient and requested for information mentioned above they direct me to their website and require me to open an account only to direct to enter more information and no where in the site where I can request for the original application to verify the loans taken.. ********************************** Below is similar sent to Credit Bureau requesting copy of original documentation from Navient. XX/XX/XXXX Re : 2nd Letter ********************************* Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am inquiring about Navient and Account Number XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me a report with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency. Sincerely, XXXX XXXX XXXX Enclosures : is a copy of my SSI and Driver License.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I am writing in regards to the student loan I held with Navient. In XX/XX/XXXX I consolidated my loans with XXXX and until that time I made my monthly payments to Navient. I contacted Navient to request a refund for payments made from XX/XX/XXXX to XX/XX/XXXX and was told that I was not eligible for a refund due to the loans being FFEL program loans. I was disheartened to learn this information due to the fact that I had never recieved good information regarding obtaining loans and repayment so that I could make an intelligent decision regarding student loans. Had I known moving my loans from Navient to XXXX XXXX would have stopped my payments I would have done so in XXXX of XXXX but I was never given the information or the opportunity. I feel I have been a victim of predatory lending practices and would like my story ( and others similar to mine ) be heard and addressed. I only ask that the monies paid to Navient during the period of XX/XX/XXXX and XX/XX/XXXX be repaid to me. Thank you for your time. XXXX XXXX
Company Response:
State: IN
Zip: 46321
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I qualify for the settlement with Navient ; I attended the XXXX XXXX, my student loan was established in 2007, my payments were late ( in deferment ) for more than seven months multiple times over the past 15 years and I am a Vermont resident. I've called Navient to receive my settlement and first I was told that I wasn't eligible because I did not default on my loans. The eligibility requirements for the settlement do not say anything about defaulting but that loan payments had to have been late for more than seven months. Then Navient told me that Vermont had not yet executed the settlement.
Company Response:
State: VT
Zip: 058XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I called Navient multiple times between XXXX XXXX XX/XX/2020 to ask for financial relief options during the Covid 19 pandemic as I was unemployed and the emergency forbearance they granted all customers was only valid for 90 days ( XXXX XXXX XX/XX/2020 ). After multiple conversations with different representatives, I was repeatedly told the loan type that I have ( FFELP ) did not qualify for the federal pause in payments and I had no other options but to pay on my loans since I didn't qualify for payment deferment and had used all of my allotted forbearance time. Because I was fear of defaulting and ruining my credit, I used my personal savings to pay student loans throughout the entirety of the pandemic and only recently learned that I had the option to consolidate my loans into direct loans with the Federal government which would have made them eligible for the pause in payments. Despite multiple attempts to get help, at no point did Navient communicate that FFELP loans were eligible to be converted to Direct Loans, and in turn payment/interest pause. I have lost over {$9000.00} as a result of not having this information and extremely upset at Navient 's highly deceptive business practices.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Key points with more details below. 1 Was told these loans were not private when originally consolidated. 2 Was told I can't discharge in bankruptcy because federal student loan. 3 Was told I could have stopped payments during COVID relief period. 4 Was told no I can't get a refund for those payments made because it's a private loan. 5 My interest rate is higher than I remember it was supposed to be,. But my memory could be inaccurate. 6 Was told they can't produce original loan paperwork. 7 Account info Navient XXXX XXXX XXXX I am 15 years or so in repayment. When I consolidated thru XXXX XXXXXXXX I was told in no uncertain terms that it was not a private loan, that's why it consolidated into two loans, one for subsidized and unsub loans. All federal loans and still will be federal loans. The debt sold to Navient some years ago. I thought I should have been at 2.85 % from a .5 % discount for my automatic payments. But I am at XXXX somehow, they say I have a 1 % discount for autopay and the interest would be XXXX otherwise, but I don't remember anything anywhere that put me at or over 4 % before the autopay discount. I read directly from the federal student loan web page in one of the articles they published about getting a refund for payments made during the COVID relief period, being as I've only worked a couple weeks this year and my unemployment has run out, I can really use that money until I get more work, in construction, a little fall work is all I can count on until next spring at this point. I was told and found out XXXX XXXXXXXX lied to me when they said the consolidated loans were not being private loans in any way. Navient says even though I could have stopped making payments during the relief period that I can't get a refund for payments made. But the loan isn't so private that I can have it XXXX in a bankruptcy. I don't understand how Navient can hold my loan that didn't originate with them, get all of the lender protections for federal student loans but I can not get money back that I didn't have to pay and not be able to discharge this debt in bankruptcy like any other private loan .... But they assured me it is a private loan for me but they retain the federal student loan protections for lenders. Navient can not produce the original terms of my loan and my personal records of it were destroyed from water damage that led to a pile of mold in the file cabinet of what was a good amount of various records including my copies of loan paperwork. So is there anything I can do? Any recourse? How do I find out if what they say about me being ineligible to get a refund on payments I made that I was not obligated to make is accurate. That they acknowledged I did not have to make those payments, but am not able to get a refund for those I did make does not make sense. Sounds like with the potential for loan forgiveness they do not want to give back any money they got from me. Had I not had such a stretch of unemployment I wouldn't be looking into this as I am all about paying what I owe, but there is help for people who need it, and I need it. And is there anyway to get my original loan terms from these lenders, they say they don't have the documents but I bet if I could sue to not pay another penny without those they would find them real quick then. Just saying they exists somewhere and if they were motivated enough, they could produce them. XXXX XXXX XXXXXXXX XXXX ED placed your ED-owned student loans in a temporary payment suspension that started XX/XX/2020. This means you dont have to make monthly payments during this time. If you made a payment during this time, you can request a refund through your loan servicer. XXXX
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: unable to get any kind of forbearance on my private loans with Navient. THEY NEED TO OFFER IT!!! I can not afford these payments. I could barely afford food, gas and a roof over my head.
Company Response:
State: NV
Zip: 89015
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: After the CARES act went into effect in 2020, I called Navient on XXXX/XXXX/2020 to ask what I could do as I have 2 FFELP loans and they say federal in the title. I was told it's considered a private loan even though it's federal protected but it's not a federal student loan and that I didn't qualify under the CARES act. I asked if there was anything I could do to essentially have the loans to be considered a DE federal held/serviced loan. They said I can refinance my loans but that won't make them federal but it will make them private and may reduce my payments. I told them I did not want this option as that did not make sense for me to do. However, I just learned that I could have consolidated my 2 FFELP loans into a Direct Consolidation Loan which then would make them fully federal loans and as such this would have made me eligible for the CARES act and received the 0 % interest during this time and I could have not had to have been having to pay for my loans without penalty. I've been paying for the past 2 years with interest on something that I didn't have to if I was provided accurate information. Instead either by malicious design by the company ( to keep my loans with Navient and me paying ) or by accident ( agent truly was not educated or trained to this information ) and as such did not provide accurate and complete information to allow me to make an informed decision. I paid an additional {$2900.00} ( plus accrued interest ) in the past 27 months that I wouldn't have had to due to the CARES act. I'm very frustrated as if I had been informed of this option, I would have done just this back in XXXX of 2020 to save myself and my family money that we could have spent on our day to day living. I consolidated into a Direct loan this morning ( to be covered under the CARES act as well as the loan reduced under the Biden Administration 's Student Loan Debt Relief Plan ) but still upset that this should have been presented to me as an option back in 2020. That would have meant that I could have not had interest during this time ( increasing my student loan cost ) I would love for all the interest to be removed from my loan due to their inaccurate information. I called Navient to get answers, clarification, choices and was led astray and it costs us thousands.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I an concerned that I am being double billed for the same student loans. Early in 2022, I received information regarding my student loan servicer, Navient. I was informed that they would be handling my loans moving forward. My loan balance is not correct. I contacted Navient numerous times requesting detailed documentation on my loan. I was initially informed that they did not have any information to provide and I shouldn't be concerned since they are in " In-school deferment '' status. On another call, I was informed that the information would be emailed in 2-4 weeks. I never received the information. I called Navient to request the information again and was informed that no information could be provided until July 2022 due to pending litigation regarding some loan accounts, but, they were unable to confirm if I was included in this matter. In July, I never received anything from Navient. I did receive notification from the XXXX XXXX XXXX XXXX that my loans were being transferred from XXXX XXXX to a new service provider. I contacted again to inquire about my incorrect loan balance and was told that I would receive detailed documentation on my loan, via email, in a " few weeks. '' I have never received anything, except for a summary of the incorrect balance. I contacted XXXX XXXX XXXX, who initially stated that they did not have the records and then referred me back to my service provider, Navient, who told me that their records are correct but have failed continuously to provide that information. Rather than sending me the documentation I requested, they sent me generic templates that I can retrieve on my own.
Company Response:
State: PA
Zip: 19355
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Im here writing this for the third time today. Im putting a claim again Sallie Mae/Navient/NavRefi XXXX I have two articles that found not only by CFPB but XXXX. CFPB as come to an settlement with NAVIENT. I too have been a victim of their practices and here is how. I left XXXX XXXX for the Visual Arts back in XX/XX/XXXX. My loans started on XX/XX/XXXX. I was only working part time and was looking for full time work. I found a temporary full time job with XXXX XXXX A third party administrator. My last day was on XX/XX/XXXX. I was out of work from XXXX to XXXX where I found a full time job. With the same company. I was making a little above minimum wage. I called Sallie Mae at the time tried to get my 5 loan accounts payments lowered. I was given the options of Forbearances or deferment. No income driven repayment options were suggested. I took these options over the course of several years. I couldnt go in defult, because my parents names were attached to my loans as well. This made my loans bloom into payments of XXXX per month. Because of the capitalization interest that came with it and the fees to each loan just for saying yes, i want a forbearances. Also, I have all my late document that will show that Navient failed to allocate payments to my loan accounts. There examples of paying with in the month and still getting late fee charges. Examples of payment reversals and adjustments. Which added up to more Mooney for them. XXXX, my husband lost his job and again tried to call Sallie Mae to lower my payments and wasnt able to help me. I was steered heat again in to forbearances and or deferments. This is the reason why for all my late payments. Please see attachments. I was trying to steel from XXXX to pay XXXX. With two car payments rent and normal bills Sallie Mae/Navient/NavRefi has put my family in financial hardships for over 15 years. I have been swindled into paying more than my fair share on this loan. With the loan capitalization was added after getting out of an forbearances or deferment. See that Navient was digging me into a financial hole that i coulnt see myself out. Not only the financial hardships aspect, my husband and I weren't able to buy a home nor raise a family of our own. That has put a mental, physical and emotional toll on us that i can never get those years back. That has made a ripple effects on my parents as well has my mother-in-law. Fast forwarding to XXXX. I wanted to get my parents off my collage loans with Navient as co-signers. I called navient to see what I could do and my only option was to make so many payments consistently, then I could get my co-signers off my loans. Spoiler alert, that wasnt going to happen. I couldnt afford my payments. Yet again another road block. Then came late XX/XX/XXXX, where i found a flyer stating that i could consolidate my loans, though NavRefi. NAVIENT is co-owner with NavRefi. I figured that they offered me to be able to consolidate my loans and get my parents off as co-signers. I thought this would be perfect so I could get my college loans under PSLF and be done. Wrong. I wasnt able to do this because my collage loans are private entity. Which found out that i couldnt change them over to PSLF. Please see all attachments to this claim. If you have any questions, feel free to contact me. I look forward to hearing from you. Accept what is and Let Go of what was. Have faith in what will be. -Anonymous quote.
Company Response:
State: PA
Zip: 17022
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On or about XX/XX/XXXX, I submitted a payment in the amount of {$620.00} to Navient. I stated that I wanted this amount to be applied to the loan ( principal balance ) that at the time had a balance of {$1000.00} ( 1-12 Direct loan unsubsidized ). The money was not applied to this loan. I do not know where it was applied, but it was not applied to this specific loan. I did not realized that it was not applied to this loan until recently. I called Navient today, XX/XX/XXXX. After 26 minutes, no one came to phone, and they ended the call. I am calling again. As in the first call, a recording would say that I have certain number of callers before me, as I continued to wait the numbers of callers before me would increase! Impossible!
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A