Date Received: 2023-11-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I originally borrowed XXXX for a private career training loan. I have not missed a payment as it has been set up on auto-pay since XXXX when the loan was originally taken out. Navient took over my loan after their split from XXXX XXXX in XXXX. I am getting nothing but the run around from Navient and I was originally told the loan would be paid in full in XX/XX/XXXX. Then when I saw the amount still withdrawing from my bank account, I immediately called to to find out what the problem was. To my surprise, they added several more thousands of dollars to my payoff amount and then said that my loan would not be paid in full until XX/XX/XXXX. I have requested all records from them regarding the original loan amount agreement and terms yet they still have not sent to date. In addition, my new pay off date is now XX/XX/XXXX. I have been paying on this loan since XXXX and has been on autopay. Now they are saying I am behind and owe an extra {$220.00}, but it has been on autopay and looking at my history- they have received a monthly payment every month since original borrowing date of loan. I am unable to claim the amount of interest I have paid on taxes as I was informed that " it's not deductible on a private loan. '' In addition- as a single parent of XXXX small children, I went back to school full time at night for my XXXX XXXXXXXX XXXX while I was still working full time as an XXXX during the day. I called Navient again to see if I could place in deferment since I was back in school at a full time status and they once again informed me that I couldn't defer payments since it was " a private loan. '' I need someone to look into this fraudulent activity as my pay amount continues to increase, now they say i'm late on payments- when it's been on autopay, and I have been paying on this since XXXX and it's XXXX and the loan is still not paid in full when the original borrowing amount was only XXXX. Please help.
Company Response:
State: OH
Zip: 45011
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Navient calls me every hour from XXXX XXXX for collections.
Company Response:
State: AL
Zip: 36532
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Hello, I contacted Navient previously see complaint # XXXX. I attempted to call them and make arrangements several times ; however, their customer service agent or loan servicer " XXXX '' yells and talks over me, threatens, accuses me of giving Navient " bad checks. '' Its horrible, its abusive. I will not talk to him and Navient has set up when I call that he is the ONLY person that I speak to. I truly want to get this straightened out, and I have been attempting. I am attaching the letter I got from XXXX explaining that the checking account I HAD did not allow certain transactions that I was completely unaware of. That account has been closed and I have a new account. Navient was not my only error in this. So XXXX can get some help for his abusive presentation with customers. This company calls at least XXXX to 5 times a day, up until exactly XXXX, they call on Sundays too. For me to speak with XXXX?
Company Response:
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Items reporting on credit report a result of data breach by XXXX
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On or around XX/XX/23, I mailed a Notice to Cease and Desist to Navient requesting that they stop contacting me, my friends, and my family, and I directed them to communicate with XXXX XXXX XXXX XXXX. Starting XX/XX/23, I have received multiple voicemails from XXXX who represents Navient, requesting a return call. My mother, my sister, and my ex-husband have also received calls from Navient in direct opposition to my Notice to Cease and Desist. I will be mailing a second Notice to Cease and Desist to Navient tomorrow ( XX/XX/23 ).
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, I received an email that a payment was due on my account. I called in and spoke to a representative and they notified me that I had a missed payment. I was told on previous occasions that Navient does not report missed payments to the Credit Bureaus until they hit 90 days. The gentlemen that I spoke with also confirmed this and said that as long as a payment is made by XX/XX/XXXX there would be no negative Credit Impact. I immediately scheduled a payment. On XX/XX/XXXX, I received a credit alert that I am 60 days late ( attached ). The account never went over 30 days late and I believe that payments were improperly applied. Looking back at my bank records and online Navient Profile this is inaccurate for multiple reasons. Going back to XXXX, there was a payment made on XX/XX/XXXX then on XX/XX/XXXX, the account had never gotten 60 days behind. Also, the Online Portal shows payments for all three months being received back to XXXX, which contradicts what is being reported to the credit bureaus. Also, the account went from 0 Days Late to 60 Days Late. How can this be possible? There would need to be a 30 Days Late. A 60 Day Late payment has a much bigger impact than a 30 Day Late, which is unfair to the consumer. The consumer should be alerted to be given the chance to correct anything before it hits 60 Day Late Status. Enclosed is documentation supporting my request : Please investigate this matter and correct the disputed items as soon as possible. For many reasons I believe this should be corrected. Most Notably, I was told inaccurate information from the Customer Service Rep on XX/XX/XXXX, who clearly stated that there would be NO CREDIT IMPACT AS LONG AS PAYMENT WAS MADE BY XX/XX/XXXX, which can be heard from the recording of the phone call.
Company Response:
State: IL
Zip: 60010
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was provided a deadline of XX/XX/XXXX to contact Navient to re-setup payment arrangements for XXXX private loans that was in default in order to avoid being sent to collections. On the morning of XX/XX/XXXX, I called Navient, and was connected to my account XXXX, XXXX. I explained to her that I am prepared to set up a payment arrangement of {$200.00} per month and informed her the first payment may be taken out of my account same day, XX/XX/XXXX. The remaining payments for each month may be taken out auto debit on the XXXX of each month. She informed me this is fine and that the payments will be set up for XXXX months and I must reach out in XX/XX/XXXX to update the payment arrangement. I agreed verbally. She read a contract for me to agree to, which I did say yes, I agree. On XX/XX/XXXX, I opened a letter received by mail from XXXX XXXX XXXX mentioning they are a debt collector for Navient Solutions LLC. My XXXX loans were transferred to them. This contradicts the agreement made on XX/XX/XXXX directly with Navient and the payment arrangement made by the deadline provided. While I spoke with XXXX, I told her by bank routing and account number to have the payment withdrawn from my XXXX account on XX/XX/XXXX, in the amount of {$200.00}. My XXXX account shows a Bill Pay Check in the amount of {$200.00} on XX/XX/XXXX. Prior, I was paying {$420.00} per month which haulted in XX/XX/XXXX due to financial hardship. I called Navient on XX/XX/XXXX to request to speak with an XXXX manager just before XXXX EST, and spoke with a gentleman explaining the situation and that I need to speak with a Navient representative and not to re-route me to XXXX XXXX XXXX XXXX The representative said he will transfer me over to the appropriate department. I have now been on hold for 40 minutes and Im not being connected to anyone. This is beyond unprofessional, unacceptable and a complete breach of contract which has now placed a greater strain on my credit score, being this debt was sent to collections. I request to have to recorded phone conversation on XX/XX/XXXX with XXXX, from Navient, to be reviewed. These XXXX loans should have never been sent to collections based on our conversation. She even provided me with great information to assist with possibly doing a settlement in XX/XX/XXXX, and said the settlement amount may be approved for {$15000.00}, depending on the down payment made. I have strategized my budget in an effort to keep my part of the agreement. Receiving this notice from collections about my student loans is a complete surprise and not at all what we discussed. It should have never been transferred to collections, and Im filing a formal complaint. Please also note, 55 minutes later after calling Navient, I am still on hold, no updates on the hold time, and I havent spoken to a representative regarding this very serious matter. Thank you.
Company Response:
State: NJ
Zip: 07631
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: According to the CARES Act, my student loan should be in forbearance until XX/XX/XXXX. Navien has even reporting bad to my credit XX/XX/XXXX- XX/XX/XXXX XXXX
Company Response:
State: SC
Zip: 29605
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I have made numerous attempts to explain to Navient that I can not afford to make any payments at this time due to my ongoing financial hardship due to being unemployed and unable to secure employment at this time. I am unable to pay my basic living expenses so I am not sure where I am supposed to find the financial means to pay them during such a difficult time. My current federal loans are in a pause due to this financial hardship. I was told by a Navient employee in XXXX that just because I am unemployed doesn't entitle me to not pay my loans or have other options for payment during this time. I was told there was no other option for me at this time but to pay an estimated $ XXXX a month, which I do not have and told her to please put this in the notes that I do not have the ability to pay them at this time. Navient has continued to call my phone and send me emails relentlessly seeking payment. It has cause an increase in my XXXX and XXXX on a daily basis considering they will not stop calling me and I can not afford to pay them still. They have left me numerous voicemails as well. I recently received a letter from Navient on XX/XX/23 stating that I am now in a XXXX XXXX pending the company taking me to court to sue me. Again, another form of harrassment to threaten for me to pay them with money I do not have only leading to further depressive symptoms. They have also reported it to the credit bureau and ruined my credit score making things increasingly more challenging for me. They are greatly impacting my mental health at this time by not working with me and my current financial situation. I am unsure what else to do since speaking with them doesn't solve the problem and only exacerbates my hardship even more.
Company Response:
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: I was determined to be permanently XXXX in XXXX and was receiving XXXX XXXX XXXX for several years. Sallie Mae/Navient was made aware of the situation and never advised me that I would qualify for loan discharge/forgiveness due to my XXXX. My original loan of approximately {$67000.00} for XXXXXXXX XXXX XXXX XXXX combined has ballooned to nearly {$300000.00} after 25 years of being in repayment, I am XXXX XXXX XXXX and have no hope of ever getting this loan paid. I was forced into bankruptcy in XX/XX/XXXX after a XXXX XXXX and resulting debts, have been homeless and working menial jobs trying to keep a roof over my head. I need assistance obtaining the student loan discharge/forgiveness that should have been offered to me more than a decade ago. In addition, instead of offering me income-based repayment options that would count toward a 25 year loan forgiveness, Sallie Mae/Navient continued to threaten me with default and informed me that temporary forbearance/deferment were my only options, which I now know is untrue. I have more than paid the original principal loans and yet am saddled by an ever increasing debt I can never pay. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 92027
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A