Date Received: 2022-06-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I received a loan XX/XX/XXXX DISBURSEMENT {$16000.00} I made payments totaling ( {$18000.00} ) with the last payment being XX/XX/XXXX. None of the payments were applied property to the account. The loan was sold off. I stopped paying the loan and making payments after speaking with Navient as to how my payments were being applied. I had {$470.00} in late fees over the course of XXXX years. From the report on Navient 's site I see ( {$3200.00} ) in interest over the course of the loan. Very quickly the amount should be {$16000.00} - {$18000.00} in payments XXXX late fees XXXX in interest = {$1800.00} should be the total I have called and called during normal business hours and they phone # tells me to call back during normal business hours. It is a scam.
Company Response:
State: NY
Zip: 11040
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Navient serviced student loan debt from a 2007 account. Recently I have been getting mail regularly ; just about monthly for last 3 months. I have worked with some of the credit repair people, and they told me " No way should this account be on your report or be valid on any type of form. '' And was advised not to pay it. Also, I believe the Statute is 7 years. There have been a lot of policy changes in 15 years and data brokering have become a source of viable income. Nonetheless, I wish not to be a part of whatever plan or business model they have currently. It seems each time we get this " cleared up '' - it pops up again. Lastly, I think I made one voluntary payment, it was less than XXXX . I haven't contacted them at all. And had no intentions of getting into a payment agreement. I believe they operate ( now ) as non-profit organization. I attached a few documents. It had 4 pages in the envelope, 2 pages was disclosures.
Company Response:
State: SC
Zip: 29646
Submitted Via: Web
Date Sent: 2022-06-02
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: Don't agree with the fees charged
Consumer Complaint: I was recently informed that I did not Qualify for the Navient Cancelation of Private student loans. I feel that I should have qualified for the following reasons. I obtained my loans in XX/XX/XXXX. I had maxed out my deferral with Sallie Mae shortly after having repayment began because the payments were too high. I lapsed on quite a few payments. I was pressured into a payment plan to stop the harassing calls and bad reporting on my credit, Unfortunately the payment plan lowered my Monthly payments but it was at a negative amortization. I delt I had no choice but to accept a few times. And although I was told that they will stop the negative reporting on my credit with the new payment plan they did not. I called to inquire about it and was told until all back pay including the added amounts to the balance was paid they will continue to report it as late. This was not the way it was explained to me prior to signing up. I have only been just recently able to pay down some of the principal and I have been paying on these loans since XXXX. Also the loans are high interest and they refuse to allow me to refinance. I feel this is not fair. I feel trapped.
Company Response:
State: MI
Zip: 48152
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Navient ( then Sallie Mae ) used predatory and abusive service practices to a student ( myself ) to receive a student loan for a XXXX college ( in XXXX at time of original loan ). There is a class action lawsuit for them for this same thing in which I fit the same parameters of the lawsuit in the exact time period.
Company Response:
State: OH
Zip: 45424
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: per XXXX XXXX XXXX XXXX Why did XXXX XXXX get shut down? filed for bankruptcy. XXXX ( and therefore XXXX itself ) came under scrutiny from Federal regulators and watchdog agencies for misrepresenting its post-grad placement rates and targeting vulnerable, low-income students by pressuring them to take out student loans in order to attend the school. this school gave me loans when i didn't have an accredit high school diploma so now i have loans rack up this school is also not accredit but im still being billed for the loans through navient XXXX XXXX - Subsidized SchooXXXX XXXX XXXX XXXX Loan Status Awaiting Form Administrative Forbearance Estimated Payoff Date XXXX/XXXX/XXXX {$1000.00} 2.320 % XX/XX/2022 Hide more information XXXX XXXX - Unsubsidized School XXXX XXXX XXXX Loan Status Awaiting Form Administrative Forbearance Estimated Payoff Date XXXX/XXXX/XXXX {$1300.00} 2.320 % XX/XX/2022
Company Response:
State: FL
Zip: 33510
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I requested the loan details regarding my student loan with Navient in XX/XX/2022. The information received shows that Navient entered the consolidated student loan acquired from XXXX XXXX into their database twice. I am being charged for the same consolidated loan twice. I have attempted to reach their student loan advocate to report the error. I have reached out to customer service without any indication that my report of an error has been received or accepted. I have been forced into signing up for forbearance because of the damage is it causing on my credit report. I have been told that my loan does not qualify for any federal protections allowed other students. I have submitted this loan for consolidation with XXXX XXXX. I am reporting this complaint because I am exhausted with attempting to get assistance with customer service to correct this error.
Company Response:
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX Greetings, I presented a police report to all 3 credit bureaus in XXXX stating that I was a victim of identity theft. Looking over my credit reports in that year I noticed so many errors and inaccuracies on my reports that it astonished me. I contacted all 3 bureaus and the debt collection companies directly to dispute all inaccuracies. Many of the companies stated that they did not have me in their systems and to dispute the debt with the credit bureaus. I did dispute the accounts and they still appear on my credit report and are inaccurate and some are not my debt. I have inquiries I never authorized as well as names that are not mine. Addresses I have never lived. XXXX in fact notified me of a data security breach in XXXX and that my identity had been compromised as well. I have disputed on all 3 credit reports personal information that is not my identity. XXXX responded in XXXX of XXXX to my dispute and sent back the dispute with the same information that I disputed which had me pretty upset that they would not honor a police report my identification as well an affidavit of facts. I did security freezes with XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX Navient has reported and XXXX has reported inaccurate debt in large amounts of various accounts. owing {$30000.00}, {$7000.00}, {$1400.00}, {$1800.00} and {$9300.00} XXXX I do not even know who this company is. Navient and XXXX indicated they have no record of me in their system and could not tell me anything. XXXX has an inaccurate amount of debt on the credit reports. XXXX XXXX XXXX XXXX XXXX has expired. They indicated to dispute the account. XXXX XXXX is a collection agency I never heard of. I never opened up a XXXX XXXX bank account and do not have nor had a credit card of such in my possession. I will be sending out letters to all bureaus and agencies to resolve these matters. My financial peace of mind has been broken and i will not rest until I get to the bottom of why nothing is being done to resolve these matters. If you need any further documents please let me know. Thank you,
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been repaying college loans for XXXX daughters since XXXX. Navient has made multiple errors recording payments. There were multiple subaccounts and also XXXX daughter got navient loan for XXXX school which has caused a few errors. I have asked and later demanded that Navient provide information and have their qualified manager verify my actual balance and compare their records with mine to verify all my payments were recorded and correct interest applied. Navient has many times mailed me a packet of information but that does not demonstrate my concerns. I seriously doubt that I still owe more than {$8000.00}. I am highly concerned about the multiple errors navient has made including several in XX/XX/XXXX.
Company Response:
State: IL
Zip: 60067
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My parents and I took out a parent plus loan with XXXX XXXX for approximately {$40000.00} on XX/XX/XXXX. The XXXX was sent in 2 different disbursements, 1st disbursement on XX/XX/XXXX for {$5400.00} and the 2nd was sent on XX/XX/XXXX for {$38000.00}. Sallie Mae later decided to split the original loan into two separate loans based on their dispersement ; however, we only signed one promissory note for one loan. Sallie Mae decided to only forgive one of the disbursements ( the lowest amount ) rather than the entire loan. Here is a list of the many issues we have experienced while dealing with repayment of the loan : 1. Explanation of how to remove the co-signer from the loan was not given. 2. No attempts were made to notify us of the need to re-certify annually after our income changed and we requested this to be notated. 3. We were not allowed to control the allocation of our payments between loans because it was split without our knowledge. 4. We were not informed that our loans were not dischargeable in bankruptcy before we filed. 5. We were not notified of how to have the co-signer released on our loan after we requested this several times over the years. We also filed a complaint and opened an investigation with Navient customer service XXXX named XXXX ( XXXX ) on XXXX. Investigation number is { XXXX } We Never heard back from them. Sallie may made the 1 loan into 2 loans and never explained why and assigned it 2 different account numbers without our knowledge and when we called an explanation could not be provided. Over the years we have contacted both Sallie Mae and Navient to combine the two loans back to the original one loan. We have never been able to get complete information over the original loan or complete written investigations information concerning the loans, who is on the loans, how much was borrowed initially, and a reasonable way to repay them. We were always given no options. We have all filed several complaints with consumer protection bureau and to Navient to no avail and with no resolution. We were threatened with wage garnishments and leans against our home. When we last spoke with Navient in XX/XX/XXXX and asked for an investigation and to inquire why the second loan that was created had been turned over to collections to the co-signer and charged off to the parent without being notified. As of today, XX/XX/XXXX we still have not received any response or resolution. We received a letter from XXXX XXXX XXXX on XX/XX/XXXX, that the Navient service rep XXXX stated that they worked for Navient for a balance of {$110000.00}. The letter stated we have until XX/XX/XXXX to pay {$41000.00} to settle or face wage garnishment. XXXX offered us no solution nor could he answer why loans were never combined or forgiven.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: My husband and I were married in XXXX while still attending a private college. We both had loans but the loans were in an in-school deferment status at the time. We had our first child in XXXX. But by this point, we had both dropped out of school to seek full time employment and meet family demands. In XXXX, while working full time as teaching house parents for a childrens group home making very little and still trying to manage multiple monthly student loan payments, XXXX XXXX encouraged us to consolidate our loans together to make one manageable monthly payment. Ok. Sounds good-that makes sense, we thought. So on XX/XX/XXXX we signed the spousal consolidation loan through XXXX XXXX for 25 years. Our consolidated loan amount was for {$60000.00}. **I have also included a complete rundown of every single payment we made to XXXX ( now Navient ) since XXXX. ** We made monthly payments on time, but during periods of severe financial difficulty, the loans were in forbearance. My husband began working for the federal government in XX/XX/XXXX. We filed for bankruptcy in XX/XX/XXXX at which time, we were told our student loans were not allowed to be included in the bankruptcy. The main source of our debt that we were seeking relief from. When we originally heard about the PSLF program in XXXX, we filed the paperwork to get at least my husbands portion of the loan on the path to forgiveness. The application came back denied because they couldn't verify his loan amount under the program terms. Confused and defeated, I just let it go for the time because it hadnt been 10 years anyway since he started with the XXXX and thought maybe thats why we were denied. In XX/XX/XXXX, my husband and I seperated. We were able to manage a financial agreement on all our joint bills except for the joint consolidation. Admittedly, I did have more student loans than him. At the start of this consolidation, his loans accounted for about {$16000.00}. We were not able to separate our joint consolidation. After numerous phone calls to Navient, there was nothing we could do about separating our loans. After reconciling in XXXX, we made a new commitment to pay on these loans no matter what. Even during pandemic, when all other loans were in a federal deferment, our loans did not qualify for the CARES Act. We continued to make larger monthly payments than the minimum. We have since learned that my husband would have never qualified for the PSLF under our current FFELP Spousal Consolidation. Then earlier this year, the Navient Settlement was announced. Finally some relief from this horrendous predatory loan program we are stuck in! I read all the fine print, our loans should definitely qualify to be canceled. Except they are not. Because our FFELP Spousal Consolidation while being serviced by a commercial lender is still identified and treated as a federal loan program that happens to not qualify for any of the federal loan relief programs. Something I do want to make clear- I am not trying to get out of paying a debt that I owe. Although I do believe this was and still remains a predatory loan program, my big ask is to, in fact, have these loans separated for the following reasons : 1 ) In order for my husband and I to take financial responsibility independently of each other. 2 ) To qualify for respective forgiveness/cancellation programs within the current parameters of the law. 3 ) Acknowledgement of the fact that this was such an egregious loan program that it is now defunct and any outstanding balances related to this program should now be defunct. 4 ) Just as borrowers who are no longer financially obligated to specific for-profit schools alleging school misconduct, I should not be financially obligated to a loan servicer for similar misconduct. 5 ) At the very least, I should be allowed to file a Borrower Defense to Loan Repayment Application citing the FFELP Spousal Consolidation specifically and any lender that participated in this type of loan program.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A