Date Received: 2022-08-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have an impeccable on time payment history with Navient and I am extremely concerned with their abusive and deceptive reporting of inaccuracies as of current. I was in a deferment during covid which was to end on XX/XX/XXXX and so I was not required by law to make any payments however because I had a little bit of money I made to payments on my Navient student loan accounts one on XX/XX/XXXX in the amount of {$300.00} and the second one on XX/XX/XXXX in the amount of XXXX. Pursuant to 15 USC 1681 ( a ) Consumer reporting agencies as well as data furnishers such as Navient have a vital role in reporting verifiable accurate information and must delete all inaccurate, incomplete information immediately upon notice from the consumer. Attached is the verifiable accurate information that should be reporting on m current consumer report and if they are in violation of it I am entitled to pure a law suit. Navient as a data furnisher is also Pursuant to 15USC 1692E False or misleading Representation and ( f ) unfair practices and defamation which they have caused and thoughly violated my consumer rights be report such inaccuracies on my consumer report which represent my crediabilty as a consumer and is causing me severe harm and I do intend to file suit if they are non-compliant with these statutes and laws.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I filed XXXX XXXX XXXX in 2014, included Sallie Mae student loans ( Notice to Creditors Certification attached ). I requested an Adversary Proceeding due to student loans causing undue hardship. Sallie Mae was properly notified, means test was performed and Federal Trustee and Judge approved student loans to be discharged ( Final Trustee Report attached. ) I have been trying to get Sallie Mae, Navient and now XXXX to recognize a FEDERAL COURT ORDER and discharge these loans and remove all negative history from credit reports. I have never been able to buy a home for my family and have suffered tremendously from their inaction.
Company Response:
State: AZ
Zip: 85742
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My loan originated as a XXXX XXXX originally serviced by Sallie Mae. In XXXX, it was moved to Navient. I hadn't noticed and it wasn't made clear that when it was converted, it was turned into a private loan. At the beginning of the pandemic, the payments were paused but, it appears that late fees and interest continued to accrue. After the first pause expired in XXXX, they put me back in repayment. My outstanding balance actually increased over the last two years despite the fact that I've been paying again since early XXXX. I graduated from college in XXXX with about {$28000.00} of loan debt. It's {$57000.00} now. They pushed me toward deferments during the years I was hardly making any money and it grew and grew.
Company Response:
State: IN
Zip: 46208
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have private & federal student loans that were originally taken out through XXXX XXXX between XXXX. In XXXX my co-signer ( completely independent of myself ) filed for bankruptcy. The day my co-signer filed for bankruptcy, Sallie Mae locked me out of all of my student loan information. Over the course of almost 6 years, from XXXX Sallie Mae called and harassed me to make payments on my loans. When I tried making a payment, they would not allow me to telling me 'I was in bankruptcy and they could not discuss anything with me '. Years of threatening phone calls, charging me fees, interest compounding my debt and they would not let me view my accounts online, talk with me over the phone or send complete information as to any of my account statuses. In XXXX my co-signers bankruptcy was released. Months of back and forth on the phone, with what is now Navient, I had to fight to gain access to my own personal financial information. There was quite some time that Navient was 'unable ' to look up my information and when given my account number, they provided me with someone else 's information. Upon review of my accounts after years of being prohibited from viewing, accessing, or servicing my loans the increase in balance was absurd. Navient has been unable to provide me with any reasoning as to why they banned me from my accounts, forbade me to may payments or service my accounts, unable to provide a complete breakdown of the accounts and fees, or proof that they own the debt. My co-signer was not on all of my loans, and their bankruptcy had absolutely nothing to do with me.
Company Response:
State: MI
Zip: 48442
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: In XXXX I starting going to school at XXXX XXXX. I graduated in XXXX. They took out XXXX in private student loans. I didnt realise at the time that they were extreamly high interest. Today I know owe XXXX. I have only paid XXXX in principle and XXXX in interest. I have paid XXXX over the origional loans in just interest. I have had these loans for 17 years and owe double the origional loans. I have seen multiple lawsuits against ITT tech and others have had their private loans canceled. I have spoken with Navient countless times and their only options are do an interest only payment to get it to a payment I can afford. Thats just adding to the issue. Please help get these loans canceled.
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am a victim of unlawful, deceitful, and inaccurate debt collection by Navient. I received a collection letter stating I was overdue on XX/XX/XXXX. On XX/XX/XXXX I received a notice from XXXX that my credit score had dropped 126 points due to the negative reporting Navient had communicated to the credit bureaus. The debts Navient, formerly known as Sallie Mae XXXX XXXX, are illegally trying to collect on and inaccurately reporting were discharged in my bankruptcy case as of XX/XX/XXXX. Per my attached documentation from the bankruptcy court of Colorado, the trustee, and my lawyer ; the accounts under Navient were included within my discharge. On page 4 of the attached documents to this complaint, you can clearly see the Navient loans were included in my bankruptcy filing and discharged. I am a victim of Navient continuously breaking collection laws, FCRA and my rights by trying to collect on discharged debt. They have been found guilty of these collection violations in court but are continuing to conduct illegal practices. They also chose to report inaccurate delinquency while the Biden administration forbid loan organizations to collect on and report negative information. As of XX/XX/XXXX the Bident administration put in to order loan forgiveness and cease of negative reporting. I never received any written or verbal communication from Navient/Sallie Mae XXXX XXXX from the time my bankruptcy was petitioned to well after it was discharged and cleared from the court. This company has the technology to verify my current address in order to send me a letter stating Im overdue, however they did not send me written or verbal communication prior to them reporting me delinquent. I never received a letter or bill/statement trying to obtain payment or attempt contact to warn me. Had they tried, I would have contacted them immediately to dispute their illegal attempt to collect on a discharged debt. The letter they sent me ( attached ) also inaccurately provides details of the amounts due. They dont have the required billing information that financial institutions are legally required to provide ( Regulation Z ). They provide very little loan information, but no historical proof as to how the total balances are calculated. How can a consumer trust the amounts with no explanation?! Ive worked extremely hard to correct my credit after attending college. I had to file bankruptcy because repaying student loans at the rates/fees Navient required made it impossible to get ahead. After my bankruptcy discharged, I did everything right to go from fair credit to very good credit within a few years and I was finally able to TRY to buy my first home, but Navient/Sallie Mae completely took that away from me overnight. This company will not talk to people on the phone who are disputing their collection practices. They tell you to mail in documentation to a po box , at which point they may or may not receive it. They also dont have an alternative mailing address that accepts expedited/certified letters so people can track their personal documents. I am asking for help from the CFPB to make this right. Navient will not help consumers. They neglected to contact me before reporting me negative to the bureaus, neglecting me of my right to dispute this. I am asking for Navient to stop reporting negative information because it is simply inaccurate. They should have stopped reporting to the credit bureaus as of the date of my bankruptcy discharge : XX/XX/XXXX. I demand Navient to immediately correct my credit reporting in order to correct my credit score they illegally destroyed. Navient needs to correct the credit reporting or remove it entirely. If my credit isnt corrected, my lawyer will take the next necessary steps to take action. It isnt right that Navient is still getting away with illegal debt collection practices. I paid my debts to the best of my ability then filed bankruptcy because that was my final option. I did everything I was required and obtained my discharge. Now Navient needs to follow the rules, correct their wrong doing and fix my credit that they broke.
Company Response:
State: CO
Zip: 80129
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am attaching a letter I received regarding this loan. First- it was not allowed to be paused during the pandemic. They constantly harassed us during the entire time. Secondly, we have received significant correspondence regarding the transfer of the loan from Navient to aidvantage. Yet, we are hounded as our friends and neighbors by Navient. This process is criminal as they are no longer supposed to be handling our account. In order to keep our credit in order and because of the harassment I have paid them, but I really don't like it as I don't feel they are legitimate but I am fearful by the calls and emails. However, you can never return an email to them or get the same person on the phone. This is absurd- We are retirees and the debt has doubled due to Navient.
Company Response:
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I attended XXXX XXXX XXXX from XXXX XXXX until XX/XX/XXXX. I enrolled in the summer of XXXX. From XX/XX/XXXX to XXXX XXXX. XXXX XXXX XXXX showed me as enrolled even though I had properly withdrawn after my XXXX semester. During this time they continued to take loans out under my name with out my permission, even giving me fake grades during the fall XXXX semester. I reach out to XXXX XXXX XXXX XXXX XXXX told me theres nothing she can do as my student information had been lost during a software merge. So it is as if I was never a student there. XXXX XXXX Sallie Mae sent me a bill for an unpaid loan balance of {$8900.00}. I recieved another price of mail From them that said as of XX/XX/XXXX my principle balance on the loan listed below is {$19000.00}. Showing disbursed dates of Loan XXXX XXXX {$6700.00}. Loan XXXX XXXX XXXX for {$2600.00}. Loan XXXX XX/XX/XXXX for {$4000.00}. Loan XXXX XX/XX/XXXX for {$2600.00} and XXXX XXXX XX/XX/XXXX for {$1700.00}. XXXX XXXX I signed a private credit loan paper that said I would pay {$2200.00} for my XXXX XXXX semester. It shows that my loan has been approved for {$6700.00} but each semester about {$2200.00} would be disbursed to pay the school. Since I had properly withdrawn the {$4500.00} should never have been given to the school, or XXXX XXXX XXXX should have sent it back as the contract I signed said it would. ( Lender name- Sallie Mae through XXXX XXXX XX/XX/XXXX Sallie Mae sent another letter that said I owed {$20000.00} Loan information the. Say the loan dates were from XXXX XXXX, ( {$10000.00} for a signature loan. Two loans were taken out XXXX XXXX and XXXX. ( These were FFELP loans that equal just over {$7000.00} ) I kept receiving threatening mails saying they were going to garnish my husbands wages if we did not start paying off these loan. In XXXX we paid {$6000.00} to XXXX ( Sallie Mae ) because at that time I couldnt not proved that I was not a student during those dates. Navient : XXXX XXXX {$840.00} XXXX, XXXX, XXXX {$840.00} XXXX XXXX {$840.00} I revived another mail saying I had in subsidized federal loan for {$2600.00} And that the total of loan guarantees by this guarantor was {$13000.00} This loan begins XXXX XXXX, when I was no longer attending XXXX XXXX XXXX. I also had subsidized federal XXXX loan that totaled {$4000.00}. But these were for differnt dates XXXX XXXX, {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} And another unsubsidized loan XXXX XXXX - {$1300.00} XX/XX/XXXX - {$1300.00} XXXX XXXX {$1300.00} To equal {$4000.00} Navient started charging me these loans and said they were from Sallie mae My federal Student Loan XXXX department of educationXXXX showed that in XX/XX/XXXX ( again when I was unenrolled ) XXXX XXXX XXXX took out a {$1200.00} XXXX XXXX from my name. XX/XX/XXXX XXXX XXXX XXXX XXXX was charging me {$15000.00}. We finally settled with them to not be harassed and paid {$6000.00}. I ahve letters from XXXX, XXXX, Sallie Mae, and Navient, claiming that I owed them money for my one semester of attending XXXX XXXX XXXX. One loan from Sallie Mae that equaled to {$17000.00} ( with XXXX and XXXX interest rate ) {$7000.00} for six subsidized loans {$8000.00} for unsubsized loans to equal {$15000.00}. So in total I owed {$32000.00} for a school that now says I never attended. I paid at least that much plus 12 years of interest.
Company Response:
State: CA
Zip: 92663
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Navient harrasses me and my mom everyday with phone calls about late payments. Also, recieve non stop mail about garnishing wages if I do not submit a payment. Thing is, my student loan is through XXXX, not Navient, and when I log in to my federal student loan account ( which I have attached images showing I owe Navient {$0.00} ) and my XXXX repayments have been on hold for quite a while. Repayment doesn't even start back up until XXXX. This company has ruined my credit, so much so that I can't even purchase a vehicle.
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have student loans with Navient, and have been dealing with this issue for 13 years. During that time I have been harassed, called XXXX, and sent to a supervisor because " I didn't understand what was best for me '' when I asked to call them back after speaking about trying to get my loans lowered, so I could afford them. When I spoke to the Supervisor, I was sent to, they gave me other options and when I asked him if the first person knew these options as well, he told me yes. I asked why the first man didn't give me these options, and the Supervisor couldn't give me an answer. I have told them several times over the years that I couldn't afford to pay and asked for income-based repayments because I was out of work, and I always got the runaround. Told they couldn't do much to help me, and was pushed into going into forbearance to the point that I ran out and didn't have any left. At the time, I thought it was helping me. Now I realize, it was only helping them because my debt continued to grow. After 13 years, I still owe as much now as the day I left school. I haven't been able to make a dent in all the fraudulent loans XXXX put on my shoulders. Which leads me to the current situation. I am part of the group that went to XXXX within the years specified that the school was conducting fraud against students. I was also part of the group that was receiving loans from Sallie Mae with their " Giving high-interest loans to students who it knew likely could not repay the debt. '' So in the lawsuit against Navient where it says : " As part of the agreement, Navient will erase {$1.00} billion of subprime private student loans that its predecessor, Sallie Mae, gave to students who attended for-profit schools, many of whom had low credit scores. '' I thought my loans were covered between the federal loans being wiped and my private loans. So when I called Navient today ( XX/XX/2022 ) they told me I wasn't because I was only in default for 5 months, not the required 7 months in the lawsuit even though everything else fit my case. When I brought up the fact that I was pushed into forbearance when I started to default, or put in forbearance when asking for help or affordable payments, and that Navient hasn't been helping me with affordable ways to help pay off my loans, that people from the company had treated me awful, that I have been in Borrowers defense for almost 7 years now, that XXXX XXXX loans were outright called fraudulent and that it was said : " It is time for student borrowers to stop shouldering the burden from XXXX 's years of lies and false promises, '' said U.S. Secretary of Education XXXX XXXX. " The evidence shows that for years, XXXX 's leaders intentionally misled students about the quality of their programs in order to profit off federal student loan programs, with no regard for the hardship this would cause. The Biden-Harris Administration will continue to stand up for borrowers who've been cheated by their colleges, while working to strengthen oversight and enforcement to protect today 's students from similar deception and abuse. '' How can my private loans not be considered with all the evidence that we were frauded? Still, I was told there was nothing they could do, and I would have to keep paying them. When I mentioned, regardless of federal or private, they all came from Sallie Mae and XXXX and were, therefore, fraudulent. The Supervisor agreed, but said they were still active loans. So I asked her, so regardless of them being from two fraudulent companies, and have outright called fraud, and how badly Navient has treated me over the years and pushed me into forbearance, I have to continue to pay on loans I don't deserve from a school that cheated their students. The supervisors just apologized and said there is nothing they can do. I even told her I was out of work atm, had been for almost four years, I have a XXXX XXXX and am XXXX, and I was still having to try and figure out how to pay almost XXXX a month for these private loans. She did not offer me any help or options on how to better deal with the loans. She just kept saying she was sorry, there was nothing she could do for me in any way. I was so hopeful that this ordeal was over when XXXX and Sallie Mae were called out for fraud and cheating students, and now I feel like I am just being beaten down again with fraudulent loans because Navient won't do the right thing. When a Supervisor admits that they know the loans are fraud, but they won't do anything about it... It's just the same thing over and over that I have been getting from Navient for so many years now, they just keep taking my money, and making me owe more and more under the guise of helping me, but they are only hurting me and others like me. Withholding information and options from us, and now - just outright telling me my loans are fraud, but I have to keep paying.
Company Response:
State: VA
Zip: 23228
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A