Date Received: 2022-07-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX at XXXX am I called Navient to bring my account current after having missed 6 payments. I spoke to " XXXX ''. She asked that I make a one-time payment of {$920.00} to bring my account current. I agreed. We discussed how I could have a lower payment on my loan for the next six months by enrolling in an autopay repayment plan. I have enrolled in this plan several times so nothing seemed out of the ordinary to me. I made the one-time payment of {$920.00}, and then using Navients ' automated telephone system, agreed to pay {$980.00} for the next six months, beginning on XX/XX/XXXX. A confirmation number was given to me for the transaction. I gave my " e-signature '' and agreed to the terms, as usual with Navient, using the pound sign. On XX/XX/XXXX, {$1000.00} was withdrawn from my account instead of the {$980.00} that I had consented to. XX/XX/XXXX at XXXX am, I called to ask why the amount withdrawn from my account was not the amount that I agreed to. The first agent that I spoke to told me that there was no record of me enrolling in a repayment plan. I said that was ridiculous because I had the confirmation number, had gone through the automated telephone system, and had agreed to payments, starting in XXXX, for six months. This agent expressed that I was wrong, that never happened and there was nothing he or I could do, unless I let my account go delinquent and called back next month, in which case they could sign me up for a repayment plan, after my account is overdue. I said that's ridiculous because my account was delinquent in XXXX and I did call and sign up for a repayment plan. He said, no, you did not sign up for any payment plan. I asked to speak to someone else because clearly there had to be something wrong and this agent was not going to help me. I was transferred to " XXXX '' the " supervisor '' who informed me that I was not enrolled in a repayment plan. XXXX suggested, like the last agent, that they could stop auto-pay and force my account into delinquency and that I could call back next month and then try to enroll in a repayment plan. Again, I expressed how ridiculous this idea was because I just brought my account out of delinquency, and each time the interest compounds and my loans only get larger, making Navient more money. I was already supposed to be enrolled in the program that I agreed to on XX/XX/XXXX. XXXX said that there was nothing that he could do and he wasn't there for the conversation that I had with XXXX so he doesn't know what happened. I expressed my deep concerns that they are withdrawing amounts of money from my bank account that I have not agreed to, and he said that by pressing the pound sign on the automated telephone system that I did agree. I told him over and over again that what I agreed to in the automated system, was six payments of {$980.00} beginning in XXXX. After much back and forth, XXXX said verbatim, " We mislead you '' and " I'm very sorry that happened '' but offered absolutely no resolution. I asked what amount I can expect to be withdrawn next month and he said, " It will depend on your interest rates '' and was not able to give me a figure. I ended the call, having no choice but to continue with auto-withdrawal without being in any repayment plan, since forcing myself back into delinquency after going through all of this to get out of it is absurd. They gave me absolutely no information, assistance, or alternatives, just the suggestion that if I'm unhappy with autopay I stop paying. Again, I don't see how this would benefit me at all, but would surely allow them to collect more interest and more late fees. I have been trying in good faith to make payments on my loans since XXXX when I graduated. I borrowed {$86000.00} and having paid thousands and thousands of dollars, as of XX/XX/XXXX ( I do not know the total amount I've paid overtime because Navient does not provide it ) I currently owe {$120000.00}. Every year I pay thousands of dollars and the following year I owe more than I did at the beginning of the last. I am never given documentation of how much I have paid, only how much I owe. I have no access to my account online, no accessible way to track my account. Everything is done over the phone where there is no paper record. Even the confirmation number that I was given for my repayment plan enrollment, they attributed only to my payment of {$920.00} to bring my account current. This is deceptive and ethically, and lawfully wrong. XXXX told me verbatim that I was misled, and yet there are absolutely no consequences for this behavior for them. I am the one forced to shoulder the burden of not knowing what number to expect to be withdrawn from my bank account each month. This was a truly infuriating exchange, especially given the recent lawsuit where Navient agreed to do better to advise borrowers. They clearly also misled the court and are not capable of ethically serving their consumers.
Company Response:
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: My mom took out private student loans from Sallie Mae in XXXX when I was going to college. 9 years after graduating I am still stuck with their predatory loans and struggle with the high monthly payments. I have 6 loans, each with a 10 % or higher interest rate, and the company, now Navient, does not allow you to consolidate. After almost a decade making payments on this account I still feel no further to having them down. Navient is in the middle of a settlement right now for private and federal studen loan borrowers, but I do not qualify because I wasn't deliquent for more than 7 months. I often worked three jobs and sometimes still needed my parents to help, and sometimes I missed payments, but never for 7 months consecutively. That unfortunately disqualifies me from the settlement. However, I am asking that I either get help consolidating these 6 loans into one more managable loan that goes to the principal balance, or that I have some of them forgiven. Thank you for considering.
Company Response:
State: WI
Zip: 53719
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: On XX/XX/2022, my monthly private student loan payment was due. The student loan servicer is Navient and the payment due was {$770.00}. Unfortunately, I forgot about it and did not make the payment at that time. On XX/XX/2022, Navient called me at XXXX am, XXXX am, and XXXX am. I answered the call made at XXXX, but the caller hung up on me. I immediately called them back to figure out who had been calling me all morning, only to find out it was Navient, calling me about the 6 day late payment. When speaking with the Navient representative, I was told they ( Navient representatives ) are authorized by Navient to call people every hour to ask for payment, which is what they were trying to do to me. I told them to stop calling me and that I believe hourly calls to be a violation of FDCPA and WI 427.104 ( 1 ) ( g ) - communications and collection efforts made with the intent to harass the debtor. I believe it is also improper to call and hang up upon the debtor answering the phone without identification, as they did during the XXXX am call.
Company Response:
State: WI
Zip: 53005
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Navient Phone Representative account data is in conflict with Navient 's Web Account data and StudentAid.gov data. From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XX/XX/XXXX To : XXXXConsumer Financial Protection Bureau -Navient Web Account Upload Customer Service -Navient Advocate I was legally advised to kindly attempt different forms of communication with you, to clarify again, the current situation with the differences in my account, still yet as of XX/XX/XXXX. I will provide this communication in two methods because speaking with a Navient Representative has not been effective by phone. Navient Phone Account Representatives seem to have different data for my account compared to my Navient Web Account, Navient Email System Confirmations Received, and StudentAid.gov IDR confirmation. In XXXX, I logged into my Navient web account, which had me residing in XXXX XXXXXXXX XXXX XXXXn I lived in XXXX, XXXX. The phone number was also incorrect. I called the phone number, which was owned by a male, father. I spoke kindly with the man over the phone. His younger daughters address and phone number was in my Navient web account. I never resided at this XXXX XXXX, XXXX XXXX address and never had this mans phone number ever in my life. I was able to clear this up through my Navient web account and informing a Navient Rep by phone of the corrections. ( I have image snapshots of this wrong data in my logged in account on a USB. ) In XXXX, I had a XXXX student loan from XXXX XXXX University in my logged in account, however, I never obtained a degree from XXXX XXXX University XXXX It took me until XX/XX/XXXX to get this data removed from my account. I reached out to XXXX XXXX University Financial Aid, Treasurer Office, and Legal Counsel. I also reported the loan to Navient several times from XXXX until XX/XX/XXXX. It took me 1 year to remove this wrong data in my Navient web account because of this dispute between Navient and XXXX XXXX University. ( I have numerous emails and image snapshots of this data in my logged in account on a USB. ) Now, after making the latest verbal phone conversation to Navient XXXX XXXX at XXXX and Navient Representative XXXX XXXX at XXXX, and according to their account data about me and managing my account, XXXX HAS NOT BEEN LOGGING INTO HER NAVIENT WEB ACCOUNT AND MANAGING IT, NO PAYMENTS ARE ON FILE. I have tried numerous attempts to kindly communicate to Navient verbally that I have been making payments, I am in IDR, and I have provided them with a complimentary approved confirmation of the IDR from studentaid.gov in the Navient upload system in my account. I uploaded the approved IDR files into my logged in web account in XX/XX/XXXX. ( I have numerous emails and image snapshots of this data in my logged in account and from StudentAid.gov IDR process steps on a USB. I have an approved IDR confirmation from StudentAid.gov which was also provided to Navient uploaded system with a Navient system confirmation from XX/XX/XXXX. ) See previous receipts in CFPB system. Currently, I am attempting yet again, to get my Navient web account up to date. I am missing payments, I continue to kindly communicate my IDR, I have paid off 2 private loans and 1 federal loan, I have made small federal loan payments. However, Navient Phone Representatives keep telling me they have no records of me even logging into my account. Navient has no activity linked to my account??? ( Verbal Conversations took place on XX/XX/XXXX, XXXX. ) I am now under the care of my doctor for XXXX and have been sick due to nerves. I constantly feel like I have to vomit all the time. I had an outbreak of XXXX XXXX on the outside of my mouth after talking to Navient last week, which I have not had in many, many years. The mismanagement of my account and incorrect data is having a negative physical effect on me mentally and physically. Sincerely, XXXX XXXX XXXX
Company Response:
State: OH
Zip: 44134
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navient incorrectly made my monthly payment lower in my credit report than what is stated on my monthly bill. However I agreed to make payment arrangements which Navient agreed to but they still reported my payment late this decreasing my credit score with XXXX and other credit reporting bureaus XXXX points. They did not inform me that they would report this to the credit bureaus.
Company Response:
State: CA
Zip: 95831
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am seeking help getting information on exactly what Im making monthly payment towards. Back in the mid to late XXXX I attended a XXXX XXXX. The college was one of the newly accredited schools that was in a plaza. I took a 2-year course in XXXX and received my XXXX XXXX in XXXX from the school. The issue is that I am still paying for the student loans I took out over 20 years ago. The loan has since been consolidated first with Sallie Mae, then with one other place before landing with Navient. I currently still owe over {$20000.00} in tuition to for a two-year course. What is worse is I also attended a private university in XXXX XXXX XXXX Florida named XXXX University about 10 years after attending XXXX College and earned a XXXX. Both loans were consolidated with Navient in XXXX so I have been paying on both loans for a little over 16 years. Currently I still have a balance of {$1300.00} combined on both XXXX loans but still owe over {$20000.00} on the loans I took out to attend XXXX college back in the XXXX. I need help, Ive inquired numerous times with Navient on a breakdown of what was disbursed to make up the balance I still owe and to date they have not been able to help me understand why Ive paid {$16000.00} ( only since 2006 ) towards the XXXX balance and still have over {$20000.00} left to pay on that loan. I am blindly paying for something I have no information on. I recently asked one of the reps to explain how I paid off a loan to a Private University in XXXX XXXX Florida surrounded by Rich kids driving XXXX and still owe over XXXX to the XXXX loan and she had no idea. I recently stopped my auto payment because the most recent deductions rose to {$730.00} a month. I can not afford to continue to pay for a bill when I Have no idea what I am paying for. If I paid XXXX and continue to pay thru XXXX an addition XXXX, that is over {$30000.00} for a two-year pop-up college. This can not not be legal, please help me. I also received numerous Pell Grants from the Dept of education from XXXX College as well, which makes the tuition balance even higher. And this all only represents what was paid in XXXX, what about the other payment prior to XXXX. Something is wrong and I need Navient to do the homework and tell me what I am paying for or stop billing me. I thought it was illegal to expect payment with no bills. Please help me. I attached a spreadsheet of what was paid to date for the 4 loans and what is outstanding. I included my Navient account number. Please help me, I have a XXXX daughter and I can not afford this.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Navient XXXX XXXX XXXX XXXX XXXX, PA XXXX. Paid the amount in full XX/XX/XXXX. A debt collector that threatened to freeze my bank account if I don't make a payment on my student loan which was opened XX/XX/XXXX XXXX XXXX ago. XXXX XXXX sold my account to this collector Navient. I have paid the amount in full and have suffered credit Hardship for over a decade.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: In XXXX and XXXX, I took out two different student loans for my daughter who was attending XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Florida. I had no problem making the loan payments until my personal financial situation changed drastically in XXXX after a divorce, a move across the country, and then the pandemic decimated my XXXX travel business. Navient says that I am out of forbearance options. In the meantime, I've accrued thousands of dollars of interest fees while in forbearance. According to them, I'm out of forbearance options and I do not have the means to make the $ XXXX monthly payments. It's just out of the realm of possibility right now. When I took these loans out, I took onXXXX out ( from XXXX ) with my former husband as a co-signer ( he was removed from the loan in XXXX ) and one on my own ( from XXXX ). I did not have a co-signer on any of my loans. Now Navient is telling me that my mother is a co-signer on one of these loans! This is absolutely false. My daughter, separately, took out a loan that my mother co-signed on but she did NOT co-sign on either of my loans, but now Navient has threatened to contact my mother about MY loans. This is false and wrong on every level.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I contacted Navient regarding the lawsuits and my private loan forgiveness. I attended a listed school within the time frame and met the qualifications for forgiveness as I read and understood them. When I spoke to a representative they said they had no information in my file regarding the forgiveness or lawsuits. I received the initial postcard that was send confirmation I qualified and made sure my information was updated.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Navient XXXX XXXX company report me 60 days late in XXXX. I have been literally harassed by this company and When I make a timely payment they reported me late and my wife 60 days late. After calling Navient to see why they reported me late I was told that it was a mistake and the negative information will be retracted. After waiting over 30 days this has not happened. Navient has lied to me stating and now I believe they are purposely trying to destroy my personal credit and create lies. I am asking that this situation be looked into.
Company Response:
State: WI
Zip: 53224
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A