Date Received: 2022-06-26
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Hi, my name is XXXX XXXX XXXX. I have a student loan issue. My family is being harassed and bullied by Navient for student loans we can't afford. We have always tried to make payments when we could afford them, and now because of misleading tactics by Navient we are {$120000.00} in debt. We borrowed XXXX, XXXX is added interest during forbearance, or deferments, and service charges for times Navient mismanaged payments on our account. Right now Navient wants $ XXXXmonth. The lowest plan they are offering is $ XXXXmonth. They say that would go mostly to my principal, but I don't trust them or have a reason too. I was recently married, and this student loan situation is ruining my future. It's murdered my credit, some job and entrepreneurship opportunities. My mother, who co-signed, has been at her job servicing the elderly of XXXX XXXX, and XXXX XXXX for over 40 years, she wants to retire, but she can't because she is constantly being threatened by calls and letters from Navient about taking her house, that her and my dad have finally paid off after 30 years. She is scared and because of her age the stress is causing her health issues. Navient has recently lost or settled lawsuits because of it's mismanagement, misinformation, illegal and bullying practices, but because I attended an accredited college I can't get any help with my private loans, which is unfair. My mother works in the service industry, she is my co-signer, but because I'm not a service worker, loan forgiveness programs don't apply to me. If we're both responsible for the loan, we should both be able to apply for forgiveness. We are currently running out of options. We are being threatened daily with the date of XX/XX/2022. I have called Navient and begged for a lower payment option, they will not budge. I even asked them for a job to help with payments. We are desperate, and don't know what to do. PLEASE HELP! Thank You! XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: LA
Zip: 70065
Submitted Via: Web
Date Sent: 2022-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This communication serves to implore my release from the life sentence that is my student loan debt. I attended XXXX XXXX XXXX from XXXX of XXXX to XXXX of XXXX, graduating with honors, earning a bachelors degree with a double major XXXX XXXX XXXX XXXX. In the XXXX years since my graduation, my student loan debt has been sold a total of five ( 5 ) times to five ( 5 ) separate entities and is now four ( 4 ) times the original amount borrowed. It is a proverbial albatross that still hangs around my neck at the age of XXXX and by all estimations will not be paid until I reach the age of XXXX years of age in XXXX. I need someone to care enough to investigate the life of my loan and payments made to find a resolution. I made my payments, my parents helped with payments, all while I was living paycheck to paycheck as a XXXX XXXX in XXXX XXXX XXXX I borrowed from my pension to keep up with payments to the point where now- it is nonexistent. After the passing of my paternal grandmother, my father inherited money and made a {$5000.00} payment towards my loan and to date I still owe over {$53000.00} on a loan that was three times less than what I originally borrowed. I very much wanted to go back to school to obtain a XXXX XXXX, not just to improve my craft, but also to move up on the pay scale to afford my original payments. However, that meant adding more debt or loans on top of what I already could not afford. With Congress voting consistently on increasing interest rates on student loan debts ; it simply wasnt an option. Not once, prior to XXXX, was I ever offered any type of assistance by the multiple owners of my loan- when I couldnt afford to pay ; they offered only deferment. When forced into deferment, I still made payments every time I received a paycheck. In the thousands of calls Ive made over the last XXXX years, never did any one of these agencies speak to me about student loan forgiveness or more importantly, an income driven payment. In XXXX of XXXX, I received a letter regarding a class action lawsuit against Navient, the owner of my loan at that time. The letter alleged they were criminally negligent for not having offered any assistance or income driven payments to those who qualified and urged me to reach out to Navient. When I called, Navient did affirm the information in the letter was accurate and it was beyond their purview to discuss it further. This is when I began looking into the life of my loan. In the spring of XXXX, I was in a car accident, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was able to take leave from my XXXX position, but ultimately, I had to resign and move home to stay with my parents as I needed support while seeking treatment for my injuries. After a year, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; anyone who has ever had the pleasure of setting foot in a XXXX XXXX XXXX knows you can not XXXX from a chair. In XXXX, my doctors recommended I seek treatment at XXXX XXXX XXXX XXXX in XXXX, so I moved there to continue treatment and acquired a XXXX position. After my contract was up, XXXX XXXX XXXX XXXX XXXX I returned to XXXX XXXX to seek employment within the XXXX XXXX XXXX. After sending hundreds of applications out, without a XXXX XXXX I received ONE call back for an interview and was offered a position in XXXX XXXX XXXX XXXX for the XXXX XXXXXXXX XXXX year. With budget cuts, they were unable to renew contracts of several new XXXX XXXX across the XXXX, myself included, via reduction in force for the XXXX XXXX year. XXXX was and still is my passion. I loved every XXXX that ever walked through my XXXX door, and I miss it every day. According to XXXX XXXX I am a distinguished, outstanding, XXXX; never having received anything less than one 3 in all evaluations. In the summer of XXXX, plagued with thousands of dollars of medicals bills, student loan debt, and XXXX XXXX XXXX, my XXXX career ended. I was forced to move home to live with my parents. In XXXX of XXXX, I took a position working remotely for XXXX XXXXXXXX XXXX XXXX ; a XXXX XXXX based out of XXXX, Michigan. Still in deferment, I made payments on my students loan every time I got paid because at $ XXXX- I couldnt afford my student loan payment to Navient. Even a year later when my company began paying me 1 % of our sales in commission IF I hit my XXXX target, I still couldnt afford them. In XXXX of XXXX, I filed for bankruptcy because I could no longer afford the medical bills and they were charged off in XXXX of XXXX. I was XXXX years old and had never even owned a credit card. In XXXX, I called Navient, pleading with them for assistance and that is the first time I was offered an income driven payment. Neither myself or my parents have any documentation of payment receipts to Salle Mae or XXXX XXXX XXXX because, like many other XXXX XXXX families, they were washed away when super storm Sandy hit in XXXX. I made every payment in full, on time until the Department of Education bought my loan from Navient when the Cares Act was passed in XXXX and my payments were suspended. After living with my parents for more than 5 years, in XX/XX/XXXX I was able to purchase a modest home with the assistance of HUD and XXXX XXXX XXXX, using a {$10000.00} land grant to cover my down payment and closing costs. When the pandemic hit a year later, I remained employed- still at the same rate of $ XXXX making little to NO commission when the XXXX ban was put in place. The pandemic devastated me financially, as almost 80 % of my commission sales stem from my abilities as a XXXX for the XXXX In addition to my student loan payments being suspended, having little more than {$1600.00} a month coming in- I had no choice but to defer my mortgage payments under the cares act in XXXX of XXXX. All my household expenses were paid for using credit cards and I was unable to resume my payments until the border reopen in XXXX of XXXX. Now, my mortgage is {$1400.00} a month, which is a struggle and Im paying at minimum $ XXXX to pay off my credit cards. My {$53000.00} loan has been sold to a company called XXXX. They want almost {$700.00} a month when my payments resume in XXXX of XXXX, which I can not afford. As my company has a policy that commissioned employees are not entitled to annual raises, I will never make enough money to pay off my student loan debt. I am still plagued with XXXX XXXX, but am not XXXX, which limits my employment prospects. I will again have no choice but to defer in XXXX, making whatever payments I can, every time I get paid ; my loan amount will increase incurring interest. I have been employed since I was XXXX XXXX XXXX and because of this debt, I will need to work for the remainder of my natural life, unable to retire. When will I be forgiven, if that even exists? Why were these companies able to take my payments and sell my loan to the highest bidder, playing with my life, leaving me destitute and bankrupt? Why is being educated a life sentence of humiliation, XXXX XXXX and never-ending sleepless nights? I am abashed having to write this letter. I ask again, please investigate my loan ; help me find a solution. I thank you in advance for your time and consideration.
Company Response:
State: NJ
Zip: 08302
Submitted Via: Web
Date Sent: 2022-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I received 2 phone calls from this number on Wednesday ( XX/XX/XXXX ), 2 more on Thursday ( XX/XX/XXXX ), and 1 on Friday ( XX/XX/XXXX ). I did not answer the first four phone calls. However, I answered the call on Friday ( XX/XX/XXXX ) and was asked to speak to XXXX XXXX, I responded speaking. I was told that the purpose of this call was to collect a student loan debt for Navient, and then the call was disconnected after 26 seconds. I have not received a phone call since then. I am beginning to wonder if this phone call was from Navient after all, so I am reporting it as a scam.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Navient has been harassing me and my co-signer grandmother whos XXXX and In a XXXX XXXX and threatening legal action against her even though my account has been in forbearance for most of the last two years due to Covid and reduced income. They have called and sent letters incessantly, so much so I got a new phone number. Now they call me on a number I never gave them, and called my mother recently- telling her to make a payment when shes neither on the loan or a co-signer for the loan!!! they should not and did not EVER get permission to contact her let alone find her information however it is they did that. I have no idea how they got her number or my new number.
Company Response:
State: CA
Zip: 92104
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This is a XXXX loan from XXXX. Also the original amount was XX/XX/XXXX of the balance. This account should be long gone off of my credit.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have never had a late payment in my student loan for over 10 years and the Navient company never notify me of the late payments that they were reporting on my credit report during the pandemic I was never aware of any problems with this account until they notify me that the account was going to be charged off when I did not pay. But I immediately paid it when I realize that they were putting late fees and late payments on my credit history. First of all, is not fair that I was not notify of this problem and that they went along with it for over 8 months. Secondly this late payments are inaccurate because I did make my payments in XXXX on time. something that I do not understand is, why would they report a late payment when it did not happen. I have already notify the company of this problem but they refuse to correct their mistake the late payments are inaccurate. I am asking for Navient to send proof that I was in fact late in the accounts and that all the information is correct and verifiable. All this happen between XX/XX/XXXX to XX/XX/XXXX The fair credit reporting act establish that all accounts reported in a credit report have to be 100 % accurate and verifiable if the account is not accurate or verifiable the account needs to be removed. Thank you,
Company Response:
State: FL
Zip: 33016
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been on an Income Based Repayment program for over 10 years with Navient. I recently received my annual certification to submit income to recalculate the loan amounts. I had submitted my certification and was told I no longer qualified even though my husband qualifies for the plan and our filing status on our tax return is XXXX XXXX XXXX. I had called on both XX/XX/XXXX and XX/XX/XXXX at XXXX AM for updates and was told I no longer qualified and that my husband had filed his forms out incorrectly and was hung up on when asking to speak to a supervisor. The annual submission is straightforward and I am certain they are not using my husbands loan values in making the calculation. Thank you.
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was laid off due to Covid-related issues. I called Navient on XX/XX/2022, regarding my private loan and was told that I could put my account in forbearance until early XXXX due to my situation. I paid {$150.00} to put my account into forbearance. Then I called back in the first week of XXXX XXXX XXXX and told them that I would be unable to continue paying for forbearance because I was still job searching and still unemployed. I asked them if I could get income-driven payments or receive any kind of support program due to Covid-related issues and they said no, that it wasnt even an option but that I had three months AFTER XXXX before my before my account became delinquent so I had a little bit of time. It is XX/XX/XXXX, not even a 1.5 months later, and I looked on my credit report, and my student loan accounts are delinquent. I looked over the fine print of the late notice that Navient sent me ; it says nothing about the DATE for which delinquency would start even though I was very clearly verbally given a 3-month window. ( I am pretty sure Navient has this conversation recorded for their records. ). Navient clearly does not care to give me options to help me during this difficult time, and they also gave me false information, and now it has very adversely affected my credit score.
Company Response:
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2022-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I was a student at XXXX XXXX XXXXXXXX, I was told that after competing my degree that the school will help me get a job in my field. I field over 100 application for a job no one called or offered me a job. I completed my education on XXXX. After few years my financial situation got bad and I had to file for bankruptcy. I'm now XXXX years the only income I receive is from Social security. {$950.00} a month. Thank you
Company Response:
State: AZ
Zip: 85297
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been repaying Navient through automatic withdrawals from my bank account for years. I recently went back to school for a professional degree in XX/XX/2021. At that time, and without notifying me, Navient automatically put my loans in deferment without my consent. I have, without my knowledge, been accruing interest from that point with a current unpaid interest of {$590.00}. Navient claims my statements show no money being withdrawn, which is true. However, the purpose of the automatic withdraw agreement that I set up years ago was to keep the loan current and paid down without having to remember to make monthly payments. Furthermore, I have never received a specific message notifying me of any automatically applied deferment.
Company Response:
State: OH
Zip: 43212
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A