Date Received: 2022-09-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: From XXXX, I attended a private college, XXXX XXXXXXXX University XXXX and borrowed an Original Principal of {$26000.00} through Navient/Sallie Mae and co-signed with my mom with apparently a variable interest. My mom and I paid {$33000.00} from XXXX, before I refinanced with XXXX. But somehow I still owed to Navient, {$40000.00}, which XXXX took on. Now that loan won't end til XXXX where I will have paid {$71000.00} to XXXX. How is this not paid off by now? I have XXXX and XXXX about where my life is because of this single year of school. I can't buy a house let alone save up for one simply because of the private loan practices of Navient/Sallie Mae . What am I supposed to do? Pay {$100000.00} to pay off {$26000.00} that I originally borrowed? Please help.
Company Response:
State: CA
Zip: 91701
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I re enrolled on XX/XX/XXXX in the rate reduction program where I have 6 automatic payments come through. Which I electronically agreed to the same day. My first payment of {$430.00} was extracted on XX/XX/XXXX. I get a noticed this last week advising I am 60 days late. HOW is this possible when I have a agreement and the payment is already taken. Now I have a 60 day late payment across all 3 bureaus.
Company Response:
State: MD
Zip: 21212
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The federal XXXX aid has a different amount owed than Navient. Navient stayes I never paid them and will not show my payment history. They have the incorrect loan amount. XXXX has the correct amount. Navient told me no interest would acrew if I went into forbearance for years and then XXXX plan. XXXX has my balance at XXXX and Navient says they bought loans and consolidated them and I owe XXXX. I have tried to contact both XXXX and Navient over XXXX times in the past frw years to correct this. I paid for over XXXX years on these loans and was told it would be forgiven after XXXX years on XXXX plan I began in XXXX
Company Response:
State: CA
Zip: 92129
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have recently reviewed my credit report and noticed some unauthorized late payments on accounts my student loans have been deferred since COVID19 began and the moratorium doesnt end until XX/XX/2022 on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Company Response:
State: OK
Zip: 73034
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XX/XX/2022 my account is reported to credit bureaus XXXX, XXXX and XXXX it is current and in good standing. Then in XX/XX/2022 the company reports 90 days past due. Also in XXXX XXXX 90 days past due. You cant go from 0days past due to 90 days past due in 30 days. Both months are reported incorrect. When I disputed it they just turned around and said it was correct and closed the dispute. Unless the Navient agent doesnt know basic math, anyone can see its incorrect.
Company Response:
State: CA
Zip: 95340
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I contacted Navient on XX/XX/2022 and informed them of the Sweet vs Cardona case and that the U.S. dep Of Ed is no longer pursuing payment of my loans. However Navient continues to charge me for me past ffelp loans. I also fall under automatic loan forgivness due to this case. Also the charges that was brought upon Navient. My loans should be forgiven since they are over 20 years old! Navient should have sent me a XXXX dollar check and did not. They also directed me into unforgiving forbearance and fraudulent loan repayment programs which all money and interest should be paid back to me under the Navient law suit.
Company Response:
State: OK
Zip: 73013
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: This is in regard to Navient Multistate AG Settlement, as shown on NavientAGSettlement.com website. The site states that settlement includes {$1.00} XXXX in debt cancellation and {$95.00} XXXX in restitution. It states that Navient will contact us by XX/XX/XXXX along with cancellation and refund for payments made on the cancelled amount. My private student loan serviced by Navient was consolidated into federal student loan in XXXX. All the conditions of the settlement and abuse from Sallie Mae/Navient during the years stated in the settlement apply to me. I received the {$260.00} restitution check, but no word about the cancellation portion. I called the number in the letter from AG, XXXX, to inquire about my case, I was told to call Navient at XXXX, which I did, but they had no information either and told me to contact State Authority, which I did too, called AG office at XXXX, which they had no information either, so I asked to meet with the AG, and left a message for his assistant and Im still waiting, no response back. I contacted my current student loan servicer XXXX who was very hard to reach and when they answered they had no information other than just update your personal information. My loan was for about XXXX XXXXXXXX and now it is XXXX XXXXXXXX, even though I made over 60 payments, due to Navients abuse. I contacted DOE and didnt get any information either.
Company Response:
State: AZ
Zip: 85396
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Per the US Department of Education article published XX/XX/22 lenders are to discharge ( without applying for Borrower to Defense ) all federal student loans borrowed to attend any campus owned or operated by XXXX XXXX XXXX ( XXXX ). XXXX also owned and operated XXXX XXXX, XXXX, CA, XXXX that I attended. The article further states that borrowers were to receive notification within the coming weeks and that no further action was needed on the part of the borrower. The loan servicer failed to send out notification to borrowers and/or address the article. It has been three months since the publication of the article by the Department of Education. I called the loan servicer as no notification was received via email, mail, or published on their website. The loan servicer directed me to contact the Borrower to Defense hotline of studentaid.gov. They did not have a response to the publication or policy established. I tried to notify them, but they stated that it needed to come from the Borrower to Defense department. I tried to call back on XX/XX/22 to notify them again. The agency was not familiar with the publication and tried to insist that I did not qualify for discharge. I had to insist and request that they confirm that I had federal student loans. They reluctantly did so. They again directed me to the Borrower to Defense hotline and stated that they could not assist me.
Company Response:
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I filed a prior complaint with CFPB against Navient due to its 39-state settlement with attorney generals on XX/XX/XXXX for predatory lending practices because I was also a victim of predatory lending practice by its predecessor ; I was not informed of an income-based repayment program for my student loan. Navient responded to my CFPB complaint by stating it placed this account on a hold due to another lawsuit involving bankruptcy by other plaintiffs. Navient did not include when it placed the account on hold, why there was no notice sent to me about this hold prior to my CFPB complaint. Navient also did not acknowledge that there has been no payment on this account for more than 14 years. Navient stated that the account was not in default and that was a part of the 39-stated settlement. I have not received notices of any kind from Navient ( billing or otherwise ) prior to filing a CFPB complaint in XX/XX/XXXX. In fact, I have not received any monthly bills for over 14 years. I noticed that Navient had put the account in deferment in XXXX, based on my credit report, but I had not received any communication from Navient. Even after Navient responded to my CFPB complaint in XX/XX/XXXX, it had not sent me any billing notices or informed me when the hold from the plaintiffs lawsuit would be lifted. Now, Navient has reported this account 60 days late to the credit bureaus. This is unspeakable financial trauma that Navient has been inflicting on me and my family for over 20 years. Backstory : In XXXX of XXXX, I attended 2 classes for a computer course in New York, but I was put on bedrest by my doctor in XXXX of XXXX due to a medical complication with my XXXX ; my daughter was born in the month of XX/XX/XXXX. I contacted the school and tried to reach a resolution since I could not continue with the course for medical reasons but was not able to reach an amicable agreement. It should be noted that I was not informed of an income-based repayment program by XXXX XXXX XXXX Navient 's predecessor, and yet the account was placed in a forbearance payment plan. I received a bill months after my daughter was born for {$10000.00} ; Navient took ownership of the account, has not sent me billing notices for over 14 years, continues to report the account to the credit bureau, and now has the account in a 60 late payment status with the credit bureaus. I understand that this company has attorneys at its disposable ; however, consumers have rights, and they should not be disregarded ; there are more consumers than profitable/predatory student loan corporations. I have filed a complaint with the DOJ in New York and California. I understand that this will give Navient a heads up and they may attempt to thwart the history of this account on its books; but I am prepared to obtain legal representation, alert various media contacts, and research others who have been harmed by this particular practice of hiding accounts in deferment to obfuscate the 39-state lawsuit.
Company Response:
State: CA
Zip: 93611
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been XXXX for the XXXX XXXXXXXX XXXX since XX/XX/XXXX, and paying on my Navient student loans every month of my XXXX employment. Unfortunately, the loans were loans that didn't qualify for forgiveness. Then, the waiver changed all that ( yay! ), and I had well over 120 payments while working for the XXXX XXXX ( an approved employer ), and so I applied for forgiveness under the waiver and on XX/XX/XXXX my consolidation was completed through XXXX XXXX XXXXXXXX. On XX/XX/XXXX they notified me that they received my PSLF application. On XX/XX/XXXX my qualifying payment update letter gave me credit for one payment. On XX/XX/XXXX I uploaded my entire payment history with Navient for them, in an effort to speed things along. On XX/XX/XXXX I received another qualifying payment update and was updated to 30. I called XXXX XXXX XXXX on XX/XX/XXXX and spoke to XXXX # XXXX and she told me that everything looked good on my end as far as qualifying, but it would just take time. I told her it had been NINE months and even the XXXX support group was saying this is excessive. She reiterated that I was still in the process of getting my count done and to just hold tight. On XX/XX/XXXX I emailed the Office for Consumer Advocacy hoping for assistance. On XX/XX/XXXX I was notified by XXXX XXXX XXXX I would be TRANSFERRED to XXXX even though I had been waiting since XXXX for my count to be complete and for complete forgiveness. On XX/XX/XXXX my loans were transferred to XXXX and I was notified that they would show up there on XX/XX/XXXX. On XX/XX/XXXX The Office of Consumer Advocacy FINALLY responded, apologized for the delay, and told me I had been transferred to XXXX, which I already knew. I responded that this was not helpful. They responded that they can't help me, to call XXXX, and also told me " your account was already reviewed under the Limited PSLF Waiver, and therefore can not be reviewed by us, or XXXX, under the waiver again. If you still believe your payment count is not correct. you may formally submit a request for reconsideration to the U.S. Department of Education ( the Department ) ; this is the process for borrowers who wish to request a review of prior decisions regarding qualifying payments or employment eligibility. By submitting this request, along with any supporting documents, the Department will review your payment count. '' XXXX has not ever told me the count was complete, I have no letter to that effect, so I have asked the Office of Consumer Advocacy how I can confirm that the count has stopped at 30 and isn't still in process. I am awaiting a response on that. I do not know if that is true, because I would think XXXX would have sent a letter or some indication that the review by Dept of Ed was complete, and they haven't.. XXXX can't help me until XX/XX/XXXX because my loans won't show up there until that time. Further, on XX/XX/XXXX I submitted a complaint on the studentaid.gov account AND included my proof of paying over 120 loans ( uploaded as Navient Account History, which I downloaded directly from the Navient site ). It has been over a month that the case is " in review. '' Please help me. Please, please help me get an answer as to why I have only 30 of my 120 payments listed as qualified under PSLF and TEPLSF and no further communication.
Company Response:
State: TN
Zip: 38305
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A