Date Received: 2022-07-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Incorrect information, Dates, Amounts, Personal information and Payments
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have mad loan payments to Navient fr 12 years. They were putting at least half of each payment all of these years to interest so balance after 12 years went from XXXX to XXXX. I paid back the original amount plus roughly XXXX in interest. Just doesnt seem right! I just refinanced into a direct loan
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I was enrolled in a program to pay student loans on XX/XX/22 for XXXX my next payment is not due to XXXX XXXX. After i paid this amount they have been harassing my cosigner my elderly grandma and keep harassing me with all these calls, voicemails. And emails. Then when i call them they like we sorry we see you paid. Then the harassing begin the next day. It is so overwhelming.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am called daily between XXXX and XXXX XXXX everyday. I do not have a student loan. There is nothing on my credit report. I can not respond when they call because they use a call back number and I am skeptical of returning the call.
Company Response:
State: MO
Zip: 63052
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I received an alert today, XX/XX/2022 regarding a Navient account. Stating that my account is reporting Delinquent causing a decline in my credit score of XXXX points. Please advise why? Per the Department of Education : Biden-XXXX Administration Extends Student Loan Pause Through XX/XX/XXXX Contact : Press Office XXXX XXXX XXXX ) XXXX, press@ed.gov Today, the U.S. Department of Education ( Department ) announced an extension of the pause on student loan repayment, interest, and collections through XX/XX/2022. While the economy continues to improve and COVID cases continue to decline, President Biden has made clear the continuing need to respond to the pandemic and its economic consequences, as well as to allow for the responsible phase-down of pandemic relief. The extension will provide additional time for borrowers to plan for the resumption of payments, reducing the risk of delinquency and defaults after restart. During the extension, the Department will continue to assess the financial impacts of the pandemic on student loan borrowers and to prepare to transition borrowers smoothly back into repayment. This includes allowing all borrowers with paused loans to receive a fresh start on repayment by eliminating the impact of delinquency and default and allowing them to reenter repayment in good standing. The Department will also continue to provide loan relief, including to borrowers who have been defrauded by their institutions and those eligible for relief through the Public Service Loan Forgiveness program. FSA will establish new partnerships to ensure that borrowers working in public service are automatically credited with progress toward forgiveness, eliminating paperwork that prevents many borrowers from getting help. FSA will also continue to transfer loans to servicers committed to working under new, stronger accountability rules. The Department of Education is committed to ensuring that student loan borrowers have a smooth transition back to repayment, said U.S. Secretary of Education XXXX XXXX. This additional extension will allow borrowers to gain more financial security as the economy continues to improve and as the nation continues to recover from the COVID-19 pandemic. It remains a top priority for the Biden-XXXX Administration to support students, families, and borrowers especially those disproportionately impacted by the pandemic. During the pause, we will continue our preparations to give borrowers a fresh start and to ensure that all borrowers have access to repayment plans that meet their financial situations and needs. Delinquent Account XX/XX/2022 XXXX has appeared on your credit report. XXXX XXXX NAVIENT Industry Type GOVERNMENT STUDENT LOANS XXXX Address XXXX XXXX XXXX, XXXX XXXX, PA, XXXX Inquiree Address XXXX XXXX XXXX XXXX, GA, XXXX
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which do not belong to me or were opened without my permission. NAVIENT # XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was advised in XXXX that if I consolidated my loans, after graduating with my XXXX XXXX XXXX in XXXX, I would be able to have the balance forgiven after 10 years of payments, under an Obama plan. I believed the loan servicing company and consolidated my loans. I had been paying on the loans since XXXX. I went back to school to get a XXXX XXXX XXXX in XXXX XXXX, I graduated in XXXX of XXXX. In XXXX of XXXX, my husband was XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called about getting part of my loans forgiven because I had been paying on them for 10 years. I was told there was no such thing as student loan forgiveness, and I was lied to and I needed to consolidate my loans again to lower my payments. I consolidated my loans and about 2 years later I started hearing that loan forgiveness and cancelation was a real thing. My loans were in income-driven payment plans for 13 years, and I assumed that I was well on the way to loan forgiveness. Fast forward to a week ago when I called XXXX and was informed that every time, I consolidated my loans I started my repayment period towards loan forgiveness over again. I was never informed that I restarted my loan payments to forgiveness each time I consolidated. Each person I talked to told me that I had to consolidate my loans to be able to put them in an income-driven plan. I have been trying to pay off my loans but with the lies, deception, and predation by XXXX XXXX XXXX I now owe {$170000.00} and I am unable to purchase a home because of my debt. This is unfair and there is no way I can ever pay this debt off with a XXXXXXXX XXXX income, I also can never buy a house because of the amount of student debt I carry. I was informed consolidation was the only way to make my payments qualify for income-driven repayment plans and the only way to continue my payments to forgiveness. I was told to continue the number of payments, not restart the number of payments.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I received loans from Navient XXXX XXXX XXXX XXXX during years XXXX and am disputing the charges based on the Federal law suit.
Company Response:
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XXXX Payoff payment in amount of XXXX sent to XXXX, XXXX, Oregon by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This payment was sent to wrong address, This was a Navient Account. My credit union internal investigation said XXXX processed the check on XXXX Contacting Aidvantage they have no info or account info. Referred me back to Navient. XXXX XXXX from Navient states payment sent to wrong address, payment can not be returned or refunded to me. Refund has to come from XXXX Treasury. XXXX weeks. XXXX No refund has of today. Unable to make contact with US Treasury, live person not available. Recontacted XXXX, no account info. Recontacted Navient, gave me a consumer advocate number, XXXX, waiting for return call. XXXX XXXX XXXX XXXX, XXXX, Oregon, XXXX Navient, XXXX XXXX XXXX XXXX, PA XXXX XXXX
Company Response:
State: CA
Zip: 93420
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My personal student loan that has been going on since 2001 is with Navient. Ever since Navient took over Sallie Mae my loan balance hadn't moved, so I called Navient and the unprofessional clerk did not know how to read my account balance or figure my statements. Now I see that other people complained about their payments with Navient and won in a law settlement. I'm complaining that it looks like my XXXX Student loan was not included in this settlement. How can I get considered settlement/cancellation for my student loan that I have paid for over 18 years? They expect me to overpay until XXXX. I'm XXXX and XXXX, watching my Grandkids due to XXXX. I used to work at XXXX XXXX as a XXXX XXXX until the Pandemic hit. Can someone please help me get on the Navient lawsuit settlement?? Thank you in advance, L
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A