Date Received: 2022-08-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Loan cosigner talked with Navient to pay off the loan they are associated with. Total amount due for sending in payment was {$5400.00}. Navient only applied {$4900.00} to loan. Unknown where other money was applied. Navient shows this loan still has a balance of {$260.00}. Navient owes cosigner {$430.00}.
Company Response:
State: CA
Zip: 91763
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: XX/XX/2022 - Spoke with a representative and a supervisor to try to negotiate terms for repayment. The call was recorded and is attached to this message. I was told that I could receive certain terms of repayment and scheduled a call back for XX/XX/2022. XX/XX/2022 - My cosigner, XXXX XXXX received a call from Navient and spoke to supervisor XXXX XXXX XXXX ( Unit Manager, XXXX, Navient, XXXX XXXX XXXX ). XXXX XXXX told XXXX XXXX XXXX that I had a call back scheduled for XX/XX/2022 and a plan for repayment was moving forward. XXXX XXXX XXXX said she could " find a great deal '' and said " let 's see what we can do ''. XXXX XXXX was then told a vastly different amount of repayment and was told that she would need to sign up for a repayment plan as of XX/XX/2022. She was told that there were " no notes '' on the account regarding my previous call on XX/XX/2022 and that she did not see a call back scheduled for XX/XX/2022. XXXX XXXX XXXX bullied, laughed, and harassed XXXX XXXX on the call and stated that she had " more than enough '' discretionary income to cover the loan payment. XXXX XXXX continued to state that she wanted to cancel the proposed payment plan and wait to speak to myself. XXXX XXXX XXXX would not end the call and kept stating that she would " never receive this deal '' again and that she would " ruin '' my chances of receiving a lower rate. XXXX XXXX proceeded to attempt to hang up and overheard XXXX XXXX XXXX complaining to another associate about " all the work '' she would need to do to recover from not seeing the notes on my account and that she would not be receiving credit for achieving the payment plan she tried to propose, implying that she would receive a commission from the plan. I am disgusted and tired of the bullying and discriminatory behavior by Navient. They never have accurate records of their calls with my account so how can I be sure that the information I am being told is accurate? Navient has refused to accept ANY form of payment that is not what they proposed. I want action taken against Navient or my loans to be transferred to another provider who is willing to work with my repayment based on my income. If not I will seek legal action against Navient for their predatory and discriminatory behavior.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: I have 2 private loans which were taken out by XXXX XXXX operating as XXXX XXXX XXXX. This school was found guilty of defrauding many students and predatory tactics and setting up students in predatory loans. I reached out to Navient to request discharge of these loans since my federal XXXX have been forgiven. Navient was sued by an attorney general and reached a settlement to discharge loans for defrauded students who attended XXXX, however they are discharging for consumers defaulted on their loans only. Others who have kept their loans current are forced to continue paying for loans which were taken out fraudulently. Navient is aware that consumers were defrauded into bad loans but refused to discharge for everyone harmed by XXXX XXXX.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Theyre different loans reporting on my credit. The loans say closed but the late payments still hurt my credit score I have already turned in police report XXXX still wont erase from credit report.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am filing a complaint for falsification of NEW information for the direct intent to upset and annoy me. This is classified as the definition of harassment. Anyone who places calls to deliberately upset, annoy or threaten the victim may be guilty of phone harassment, which is a form of bullying. Phone harassment may be a one-time call or a series of calls. I kindly made an outbound call TO Navient on XX/XX/2022 at XXXX, lasting XXXX XXXX, XXXX. The Purpose of the call was to ( 1 ) return Navients Representative XXXX phone call from XXXX and ( XXXX ) to clear up XXXX emails that I received from Navient that were in direct conflict with each other. Again, I kindly tried to work out miscommunications with Navient, however, I received additional, new conflicting information, from Navient Representative XXXX XXXX. She has been with Navient for five years. The information she relayed to me didnt even match the Navient emails, or, my approved IDR from studentaid.gov from XX/XX/2022. This was the new information that was verbally stated, although, I have spoke to Navient verbally numerous times in XXXX I, XXXX XXXX XXXX, have never heard a Navient Representative tell me the following information. [ XXXX XXXX stated, XXXX we emailed you in XX/XX/2022, however, you failed to respond to renew your IDR. XXXX, your IDR is not active because, you, XXXX, failed to recertify. ] Why would I recertify in XX/XX/2022, when I have an already approved XXXX from XX/XX/2022? I uploaded XXXX the complimentary copy of the approval XXXX from XX/XX/2022 to XX/XX/2022 into my logged into Navient account, with system confirmations. The following information was received by Navient and is confusing. I uploaded real facts, the actual emails, into my complaint. I realize I have several loans. All my private loans are paid off. My educational loans are with another lender. I only have federal loans with Navient at this point, or should. [ Received XX/XX/2022 by XXXX XXXX navient.com Total Payment Due for XX/XX/2022 is {$0.00} ] Received XX/XX/2022 by XXXX XXXX navientXXXX Total Payment Due for {$210.00} on XX/XX/2022. ] [ Received XX/XX/2022 by XXXX XXXX Navient Received Payment, But ] [ Verbal Communications by XXXX XXXX We need to set up another payment option. You never recertified your IDR in XX/XX/2022 ( although, I already did in XX/XX/2022. ) ]
Company Response:
State: OH
Zip: 44134
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: There was a Navient AG Multi-State Settlement, where there was private loan debt cancellation given to individuals who had student loans with Navient. There were specific things that made borrowers eligible. According to XXXX, " The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, Sallie Mae, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. '' Some requirements listed were : -Generally, to be eligible for private loan debt relief, the borrower must have fallen behind on payments by more than seven months at some point before XX/XX/XXXX. -Generally, only loans that were within a statute of limitations period or still credit-reporting as of XX/XX/XXXX are within the scope of the debt relief. -Generally, to qualify, the borrowers mailing address on file with Navient as of XX/XX/XXXX, must be within one of the restitution-participating states listed above, Arkansas, Kansas XXXX Michigan XXXX Rhode Island, South Carolina, Vermont XXXX West Virginia, or associated with a military address postal code. I never received a notice from navient, even though I believe based on the requirements I qualify for the debt cancellation. I was deliquent on my loan payments majority of XXXX, because I had a hardship in XX/XX/XXXX and couldnt make payments for XXXX and several months following this. I had six loan accounts with Navient, and by XX/XX/XXXX XXXX of those loans defaulted, XX/XX/XXXX XXXX more defaulted and XX/XX/XXXX the last loan defaulted. That would mean by XX/XX/XXXX, I would have fell within the requirements of being more that 7 months delinquent. I was not aware of the of the pending lawsuit, but in XX/XX/XXXX I went into a settlement agreement for the first loan that went default, in XXXX I went into another settlement for the next four loans, and in XXXX in XXXX I went into a settlement for the last loan. I believe if that if I was eligible, I should be reimbursed for the money paid out during the settlement agreements, and my remaining balance should be cancelled. If any account details are needed, my account number with Navient is XXXX. If further information is needed, I can provide whatever it is. I have the loan numbers, the amounts paid in my settlements, and also the remaining balances.
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I have been working with Navient for over 15 years to get these loans lowered or paid off and all I get back is a refinance plan that would lower the rate by barely anything. I pay roughlt $ XXXX over a XXXX loan and it is tearing me apart. I thought I was in to get it forgiven, but that also has come back saying that I am not eligible and I am really wondering what can I do to get rid of this burden. Please help me. I am desperate now. Every chance I have tried to get it lowered or gone has failed and I really don't know what to do to help myself anymore over a loan that I have had since XXXX Please, if there's anything that can be done to lower or get rid of this loan, I would be so grateful. Thank you.
Company Response:
State: OR
Zip: 97220
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I attended XXXX XXXX XXXX XXXX in XXXX and XXXX. Due to multiple class action lawsuits, the schools parent corporation, XXXX XXXX XXXX, went bankrupt and closed every single one of its schools. Previously I had been lied to about the salaries and the availability of work in a career in hospitality. I was told multiple times by multiple people that entry level salaries could be XXXX dollars or more. This was a complete and utter lie and had I known what the hospitality industry paid entry level employees I would NEVER have attended the school. I was forcefully encouraged to " hurry and sign '' loan documents without any explanation of fees and the overall cost of this education. Since I started repayment in XXXX, my original loan amount of XXXX dollars had doubled. I have been paying these loans for 17 years and my total current balance as of today is just under XXXX dollars. I have been paying MORE than my monthly payment amount, and my loans are not even being dented. I feel that I have been taken full advantage of by a horrifyingly predatory company, Navient who services my private loans. To date, I have already made nearly XXXX dollars in total payments, and yet my balance remains at just over XXXX dollars on an original loan amount of XXXX
Company Response:
State: SD
Zip: 571XX
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I have been struggling to make payments on my Navient private student loans, which were taken out between XXXX and XXXX for my XXXX education and thus have the typical high and variable interest rates forced upon students who needed private loans to fill gaps in their educational financing before the recession. I am a XXXX student who makes $ XXXX on average with my position as a XXXX XXXX. Navient only offers 5 years of forbearance for XXXX school. However, my XXXX program takes on average 7 years to complete. My current monthly payments of around {$540.00} are completely unaffordable with my salary, and they will continue to be unaffordable until I XXXX in XXXX years. I have called and spoken with Navient officials numerous times since my loans went back into repayment to try to figure out how to lower my payments. Since I have " maxed out my forbearances, '' the only option Navient continues to offer me is a 6-month short-term interest-only repayment plan. While these payments were initially affordable at around $ XXXX, they have continuously increased alongside the LIBOR rate and have become unaffordable. Today, I called with the intention of scraping my bank account to make the {$380.00} interest-only payment I was quoted two days ago on XXXX XXXX, only to find out this payment has increased to {$390.00} with today 's LIBOR rate and is now unaffordable. Despite giving several financial statements to Navient which have clearly shown I can not afford these payments, Navient offers me no other options. I have kept my account current with Navient for the past 14 years. Even during 2 years when I was a XXXX XXXX volunteer and making $ XXXX, I saved enough and emptied my savings to make on-time payments. I calculated that I've payed around $ XXXX to Navient over these 14 years, only to see my balance increase from $ XXXX to $ XXXX. Because of these payments, I have no savings, a $ XXXX balance on my credit card, and more public loans as I need to take them out to afford to live while making private loan payments. I have shaped my whole life in order to afford my student loan payments while still acquiring my XXXX. I have no car, the cheapest possible studio apartment available in the city in which I live, and yet still I am struggling to survive. I have no idea, if I didn't have this debt, if I might have aspirations to own a home, get married, or a family. I only know that Navient has shown me that those dreams are impossible. What is Navient gaining by scraping every cent that I own? Yet I am the one who contemplates XXXX. I know I am not alone in this struggle with predatory private lenders.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: The problem description is incorrect but did not have a selection that fits. This loan was taken out in XXXX. I have been making payments, deferring, and forbearing ever since. The loan is at 14 % interest rate which now has my loan balance at 300 % of the principal. This loan should have been included in the Navient Lawsuit. The eligibility criteria : - You must have borrowed a private student loan from Navient or its predecessor, Sallie Mae, between XXXX and XXXX while attending certain for-profit schools like the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. You can see a full list of schools at XXXX - Your loan must have been delinquent for at least seven months or charged-off before XX/XX/XXXX. Based on my payment history I meet this criteria, as well as, had it not been for Navient 's outrageous interest rates this loan should have been paid off. I have spoken with a Navient representative and attached the transcript of the chat session Navient is guilty of unfair practices and taking advantage of it's borrowers. Thank you for your attention to this matter.
Company Response:
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A