Date Received: 2022-06-08
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I an trying to refinance the loans for the last three months. This is not the first time. Try finding the site, even with a bookmark. The site is buried and very hard to find. Every time I sign into the site, my password doesn't work. That takes twenty minutes to get fixed. I have a password safe that remembers the password. That is them deleting my password. Then when I get in, my paperwork, which was accepted the last time I was signed in, suddenly isn't there or repeats that I have to submit it again. As though I never submitted it. It reports it isn't registered as accepted. I have to submit it again. I've done it four times so far in the last three months. I haven't even tried in the last month because I know I'll have to spend a good hour resetting and resubmitting everything, and it will all be deleted or ignored. They never were going to refinance me.No human has ever contacted me. The dates they have on their website saying that someone will contact me in three days ...? No one ever has. I can not get anyone on the phone. The phones transfer me around and then hangs up on me.. I get emails that say it's ( My paperwork ) accepted, then it removed off their site. I've been paying at the highest rates for 20 years and they never succeed in getting refi done. I'm out of work now and can't qualify for refinancing any more. I'm about to retire, so they successfully locked in the highest rate for 27 years. I never asked for Navient to take over my servicing. I never liked them. Getting service is impossible. The password thing has been prevalent for 20 years. They purposely make every attempt to lower rates impossible. I feel like the government sold me out to the highest criminals they could find. This has had to have cost me {$10000.00} over the years.
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have tried to get information about repayment plans for many years as I was tried of having this interest baring debt hanging over my head. I have spoken to countless representatives who when evaluated me for repayment plans didn't work out one that I could afford. although I thought they were basic on income. Each time I was given the alternative information and push towards utilizing a forbearance or a deferment which have just accumulated an enormous amount of debt that I will never afford to pay off in this life time. I have sent in income verification and follow all of the guidelines only to be given payments that I could not afford. I now owe 6 times the money I originally borrowed. I borrowed the money form XXXX XXXX who sold the loans to Navient. I feel like I was forced to take a forbearance and/or deferment because the interest would continue to accumulated and put more money on the books for the company. However, they have made it almost impossible for me to pay these loans off. Navient has not made if feasible for me to pay these loans off. They never worked with me to get me a payment that I could afford, thereby making it impossible for me to make payment toward the principal on the loans. Now I owe more in interest than I do in principal. The have failed to offer me affordable solution for repayment for over 20 years. I am in a desperate situation with no workable solutions at this point. The impact of having these loans on my credit report continues to triple me and have a great impact on my ability to secure credit. I have asked them to verify my debt from my original grantor and they continuously refer me to the information listed on my account in which I can't understand and it doesn't disclose the original amounts of my loans. If they had offered affordable repayment options, I would not be in this situation.
Company Response:
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Navient firmly XXXX XXXX has been aggressively trying to collect money from myself and my wife for student loans that were XXXX through my chapter XXXX bankruptcy. I demand a refund for all loans that Navient have been illegally collecting on since the discharge of my bankruptcy and removal of information from the credit bureau for myself and my wife. I will be including the Attorny general for Wisconsin in this notice. I was told by my bankruptcy attorney that this loan was discharged due to it being a non qualified student loan. I attended XXXX XXXX XXXX XXXXXXXX and having records from them showing that Navient is not a qualifying student loan company. Navient has been charging me many fees and interest for years, destroying my credit making it hard for me to make a living. Like other I have been lied to by Navient staff saying that my loans wasn't dischargeable through bankruptcy when in fact it was discharged and Navient was notified. Also after receiving the news about Navient recent lawsuit filed by my attorney general I called Navient and was told that I don't qualify. My loans all have been delinquent consecutively for years. The loan is a private loan and qualifies. Again I have been deceived by Navient and staff with lies so that they can collect more money from myself and my family. I am asking that the CFPB, Attorney General look into this situation.
Company Response:
State: WI
Zip: 53224
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: PAST HISTORY : In XXXX, I borrowed a {$6800.00} loan from Sallie Mae to pay for private tutoring for my ( then ) XXXX XXXX son to prepare for XXXX XXXX entrance tests. His lessons concluded successfully in XX/XX/XXXX. I made payments for about a year. However, due to a XXXX XXXX XXXX XXXX, in which I was unexpectedly poorly compensated ( $ XXXX ) in a XXXX settlement, I eventually became unable to continue with the loan payments. A company representative from Sallie Mae phoned with a threat : either I pay the loan or they would change the private loan to a student loan and block me from ever attending school again. Another phone call was made about three years ago with the exact same threat. CURRENT ACTIVITY : Two months ago, in XX/XX/XXXX, I was accepted into a XXXX program at a XXXX university back XXXX. I signed up for a XXXX XXXX student loan in XXXX, but was denied due to adverse credit. Sallie May ( now renamed Navient ) had followed up on their threat. On StudentAid.gov, a student loan for {$8000.00} ( appr ) was fraudulently posted from this 17 year old debt ( which would have been charged off ). Also, this company accessed all three credit reporting bureaus ( i.e., XXXX, XXXX, XXXX ) with 10-15 false charges with arbitrary amounts ( e.g., {$200.00}, {$300.00}, etc. ), as having been recently made within the past two years -- now all being more than 120 days old. As a result, my credit rating plummeted XXXX to XXXX points on all three credit reporting bureaus. I made a complain with XXXX ; they contacted the company to no avail. I was instructed to contact the FCC with a complaint. However, my complaint ( w/ the complaint number and all relevant information was immediately erased ). Someone has been hacking my telephone and computer records continually. I have found that no private information is ever safe anywhere ( e.g., even while readying this complaint this am on my laptop, I watched my desktop computer suddenly shut off partially, showing a prompt that photos were being accessed -- without my permission ). DOCUMENTATION : Consumers are instructed to keep financial data for up to seven years. Therefore, most people would not have any proof against this type of activity from XXXX years ago. However, I am enclosing documents that show proof of loan amount from a screenshot from my online account and signed information for the private tutoring ; this was not a student loan for myself, but a private loan for my son. It should be stated that he went on to not only earn XXXX XXXX XXXX but, also, just XXXX XXXX XXXX last month. XXXX XXXX XXXX XXXX XXXX : As a XXXXXXXX XXXX XXXX who has been on a federal XXXX for two decades ( i.e., XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), I am now fighting for my basic survival. Sallie Mae 's illegal activity has now pushed my finances on the brink to force me into immediate XXXX, next month. Although I went through XXXX XXXX w/ the State of California XXXX who allowed me to earn my advanced degrees, e.g., I, too, XXXX from XXXX last year with my XXXX XXXX Yet, the prospect of gaining employment in a post-COVID world is very slim. After years of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did well to XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and was prepared to launch an XXXX XXXX However, the pandemic blocked me from returning to employment to earn income for XXXX Then, all ( XXXX ) Pandemic-related benefits for us, " XXXX '' or XXXX XXXX abruptly ended in XX/XX/XXXX, right before I could advertise my XXXX XXXX or launch my online XXXX. Now, two months ago, in XXXX, my CA COVID-19 Rent Relief benefit ended. The second and last payment is due in the mail anytime. Yet, I am now three months in arrears ; and state eviction protections ends on XX/XX/XXXX. Therefore, I was quite pleased to have received an Financial Aid Awards Letter on XX/XX/XXXX from the university showing that I had been granted a {$8600.00} XXXX XXXX student loan and a Federal Unsubsidized loan for {$26.00} for my summer semester classes that begin on XX/XX/XXXX, which I immediately accepted. I also applied for a XXXX XXXX with results pending until XXXX, next month. Yet, due to Sallie Mae/Navient 's illegal actions, the university abruptly cancelled my Financial Award letter. Now, the ONLY financial aid I have is for a meager {$26.00}. Yet, I already owe more than {$3000.00} in tuition for the summer semester. Both of the threatening Sallie Mae representatives were brazen in their boasts that I would not be able to do anything about their illegal activities. The company would succeed in absolutely ruining my life, and I would have no recourse. Thus, now, I can not take out a business loan, buy property, rent a property, buy a car, go to school, open a department store account, buy goods or services online, etc. My credit rating is in the " poor '' category. Yet, before, with my previous XXXX rating, I would have qualified for a FHA home loan ( which requires XXXX plus ). MORE EXAMPLES OF BRAZEN BEHAVIOR AGAINST AMERICANS : I have seen such brazen and illegal activity repeatedly in my life : e.g., in my XXXX XXXX XXXX XXXX XXXX ) case, the defense lawyer laughed in my face and my lawyer 's face at the XXXX XXXX courthouse, saying that they knew I had been XXXX XXXX XXXX XXXX, but they would get away with not having to pay. He had just come from the federal courtroom, where he had just promised the judge that they would pay that very day. I had already been made to wait almost a year for any XXXX payments and was in dire straits ( e.g., I also was made to wait three years for Social Security benefits and XXXX XXXX which was a completely unprecedented waiting period ). Yet, I had just proven with documentation submitted to/by my California assemblyman representative that test results were being changed, doctor records deleted, and other fraudulent activity occurring to destroy my XXXX case. ). Another example of fraud occurred, which resulted in the majority of my XXXX XXXX being wrongfully taken by a federal judge in XXXX, who instructed my former husband how to do so -- four years after our marriage was over. The awarded amount was approximately $ XXXX ; I received $ XXXX. My lawyer said XXXX and XXXX had no choice, but to pay him. During our marriage dissolution case in XXXX, the same judge allowed him to fraudulently report a $ XXXX annual income, when his earnings were actually in the six figure range. As a result, I was only given {$75.00} every two weeks ( or $ XXXX ) in alimony to this day. My former husband also was later allowed to wrongfully seize all proceeds of our home sale, and instructed by the judge how to take my portion of his pension ( although I stayed home to raise our children at his request ) ; my future social security pension at age XXXX from his account, and my 401K portion of his pension ( he retired about three years ago ). Yet, sadly, in XXXX, my children and I had previously been ordered by XXXX XXXX Sheriff, into an XXXX XXXX XXXXXXXX for four months because of his activities. I had to go to court to fight for the right to have four hours to collect our possessions. Also, I was XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, three weeks before my XXXX XXXX A XXXX man waited in his car on the opposite side of the street with no parked cars to impede his view. When he saw me, while laughing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No lawyer would take the case. A deputy district attorney even told me 'not to go there ' in describing what had happened ; in other words, I did not even have a right to expose his potentially-deadly crime. Yet, my car with only {$4500.00} worth of damages was only compensated with {$1800.00} ; my injuries were compensated for only {$500.00}. I had to pay all of my own medical expenses, tests, etc., when the case was clearly acknowledged as solely being 'at fault ' with the other driver. Other people are given huge settlements in such cases. It would frighten any federal representative reading this complaint, if I were to describe the type and numbers of unimaginable hate crimes being perpetuated continually in this country against my person, possessions, records, finances, etc. I have included these extra details because they are directly related to a seemingly-ORGANIZED ongoing pattern. My former husband fought this, too, during our marriage, and finally gave in. Nevertheless, we have an amiable relationship for the sake of our children. I have always reported these problems to every level of government possible, e.g., XXXX XXXX Sheriff, FBI, Department of Homeland Security, Workers Compensation Audit Board, Department of Consumer Affairs - Automotive Division in California, etc. The results are always the same : all cases are always summarily dismissed, evidence is thrown out from doctors, political representatives, etc., and these brazen activities, with their detrimental effect against my life, are allowed to stand. Thankfully, against all of the odds lined up against us, my son and daughter, under my tutelage did quite well ; my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is about to be married. Our faith in our Savior and L-RD Jesus stands as a testament to His faithfulness. CONCLUSION : I really do not wish to lose my townhouse apartment with all of my possessions regained from the past 25 years, next month. Is my entire family really supposed to witness the soon financial destruction of their mother, a XXXX citizen who raised them well -- all because those who act illegally and brazenly, are ALWAYS allowed to do so freely, and, so well -- that they have absolutely no concern of any repercussions or prosecution. Another name for when this occurs is " corruption, '' a concept which is usually considered indicative of foreign governments. Therefore, this complaint represents one more determined attempt to have my grievances addressed. XXXX XXXX starts on XX/XX/XXXX. I will have to XXXX XXXX XXXX in two days, if the XXXX does not act on my appeal. Any/all federal student aid will be lost, consequently. Yet, I really do not need an delinquent student bill. Last week, studentaid.gov representatives only phoned twice at inopportune hours ( e.g., XXXX, XXXX ), and my phone did not ring. Therefore, I made two more phone calls with representatives requesting agent calls on my behalf, over the past three business days. Yet, the normal follow-up phone calls were not made. However, I was only asking for an email address, so that I could follow the website 's instructions to document my description of the adverse situation. Sallie May ( or Navient ) is one of their largest loan providers at StudentAid.gov. Therefore, this refusal to receive my documents may be a sociopolitically or financially-motivated decision. Yet, they were bailed out in the billions of dollars by the federal government back during the XXXX recession, when their corporation experienced the inability to pay their debts. So, is this really a right response to an American citizen, such as myself, facing a personal debts, after repeatedly being deprived of rightful resolutions to my financial situation? So, here is one last comment. I did not mention that I am a XXXX XXXX. Consequently, how much does XXXX AND XXXX play into all of these incidents, as a major factor? Yet, as a XXXX woman, I believe that, we, must have enduring civil rights and legal rights in this country. Being a natural-born American should mean that we have the right to live and thrive here in our own country, doesn't it? -- -- -- -- -- -- -- -- - WHAT WOULD BE A FAIR RESOLUTION? My ongoing fight against unjust situations, as described in my FTC complaint, has resulted in occasional challenges to my credit file. However, according to the criteria issued by the StudentAid.gov office, only Sallie Mae 's actions resulted in the adverse credit denial of my XXXX XXXX loan. Therefore, a fair resolution to my FTC complaint is for Sallie Mae ( aka Navient ) to immediately make the following actions : ( 1 ) Immediately remove all of the false charges ( approximately 10-15 of varying arbitary amounts ) which were fraudulent posted onto the three major credit bureaus, i.e., XXXX, XXXX, XXXX. ( 2 ) Contact the StudentAid.gov website to fully remove the private loan from my financial records. ( Note : Two weeks ago, I found the loan posted, showing approx. {$8000.00} owed. Then, the dollar amount was replaced with the words " N/A '' ; however, the negative report still remains under the corporation 's name. ( 3 ) Allow me the right to live, i.e., to XXXX XXXX XXXX continue my life, and have the finances I need to pay for my household expenses. By doing so, I will be able to immediately utilize my XXXX benefits to pay for XXXX XXXX XXXX XXXX and launch my XXXX XXXX. My XXXX was highly rated by XXXX XXXX XXXXs in America, as having the ability to become a XXXX. My online business would also do well in my XXXX XXXX XXXX XXXX Therefore, I would be able to pay off the entire loan, if not immediately, then, a reasonable payment schedule could be arranged ( e.g., appr. $ XXXX ). ( 4 ) Issue a letter of apology to my school and myself for the unimaginable emotional distress inflicted by their fraudulent activity and the loss of my academic-religious reputation, by falsely being made to appear financially irresponsible, right before beginning XXXX studies.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I started at the University XXXX XXXX in XXXX and continued my education there until XXXX. During that time I had to take out many private student loans and many of them from Navient. Navient actually holds the majority of my debt. I have been scammed by them since they were XXXX and Im pretty sure I qualify for the loan forgiveness settlement that came out this past XXXX. I can not get any representative at Navient to talk to me about this and I have tried multiple times. Not only that but even if I did qualify, they couldnt notify me anyway. Their site makes you setup your mailbox but doesnt allow you to do so and kicks you off the site before you can troubleshoot as to why. This company and had control of my life for over a decade, please help me if you can.
Company Response:
State: OH
Zip: 43537
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Hi- I am trying to get assistance any way possible. It's life or death for me and my kids. I am only asking for late payments that occurred in between deferments be removed... only because it's listing XXXX accounts separately as 90 days late. My loans are currently closed and consolidated but I am not able to get some extra assistance due to the late in between deferrals. I have spoken to customer service, sent letters and I am very desperate for assistance. I was told there are laws in place for it is solely at the lenders discretion. I have XXXX days from today but I have been trying since the pandemic as I was seriously affected by XXXX. Please email me or call please XXXX of XXXX. I am sending my message to everyone in your company- your credit reporting department has not been able to assist in any way. Please Please. I NEED HELP.. LIFE OF DEATH FOR MY KIDS AND I STARTED REACHING OUT SINCE LAST YEAR AND NOW I HAVE XXXX DAYS - I ONLY NEED THE LATE PAYMENTS REMOVE FOR XXXX INDIVIDUAL ACCOUNTS IN BETWEEN DEFERMENT.. PLEASE PLEASE Please Please I just need the 90 days late removed for XXXX individual loans. This account is now closed and consolidated - at this time the I was deferred before and after. During this late period, my address was not correct in Navient 's system XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was referred to you by XXXX XXXX
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: To whom it may concern : Navient continues to post my check payments late in order to accure late fees and interest. In XXXX NAVIENT put me into forbearance without MY PERMISSION/Consent and they refused to provide me the proof of where I supposedly agreed. I was always making payments. I was finally able to have them admit in writing to committing fraud by putting me into forbearance without my consent. ( SEE ATTACHED DOCUMENTS ) Then my monthly payments went to {$200.00} when my Federal Loans were a fixed {$200.00} a month with a fixed 3.375 % interest rate FOR THE LIFE OF THE LOAN! This company is so corrupt it is incredible. All the LOAN SHARKING and predatory lending Sallie Mae/ Navient has done and not been held accountable. Just look at how many times this company has changed their name. Maintaining the young people of America XXXXXXXX XXXX XXXX XXXX when we are trying to pay off our loans and move on with our lives. Thank You, XXXX XXXX
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat A payment on a student loan account any open end consumer credit plan as late for any purpose. Again, attempted to communicate with the company and was provided a very generic response
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I attended XXXX university online They encourage you take out loans that you could get jobs once completing your degree. I have private loans and education loans for a XXXX year degree I was told that i didnt qualify for student loan cancellation
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My XXXX XXXX student loans were consolidated in XXXX and my balance of XXXX then, had XXXX in interest added to the loan. Since then I've made 8 years of payments at XXXX per month which adds up to XXXX $ in payments, and my balance is still {$8700.00} today 8 years later. Their list of interest and principal payments fluctuates monthly up and down with no steady payoff rate applied. Help?
Company Response:
State: PA
Zip: 18104
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A