Date Received: 2023-11-10
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Every statement I have received from Navient shows that Ive been charged for unpaid interest & unpaid fees every month between {$40.00} and {$80.00}. On my XXXX statement the more than doubled to {$150.00} for no apparent reason. Ive been making the minimum payment on autopay every month so the charges should not be fees ( confirmed this with Navient on XX/XX/2024 ). I called Navient on XX/XX/XXXX to inquire about the charges and they are unable to provide me with an answer or any information as to the reason why I continue to be charged such fees every month.
Company Response:
State: CO
Zip: 80516
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Ive asked Navient about my options to be able to afford the payment theyre requesting. I was told they have an affordable repayment program which still exceeds what Im able to afford. Ive asked them to minimize calling because its disruptive. ( On average, I get about 4-5 calls before XXXX ). That is harassment. I even asked that they stop calling, theyve called at least XXXX times since. Thats harassment. Im trying to communicate with them so we can come to a middle ground, but Ive already gotten written up because of how often theyre calling. My boss thought I was lying. This is ridiculous. And Im sure its not legal.
Company Response:
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2023, I sent a certified letter to Navient about inaccurate information they are reporting on my credit report. I asked that they removed the inaccurate information but they completely ignored me, and the information continues to be reported on my report which has caused me to be denied for credit and an apartment.
Company Response:
State: SC
Zip: 29617
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My servicer is Navient. I have been put on forbearance for 20 years. I believe I am a victim of Forbearance Steering.
Company Response:
State: AL
Zip: 36535
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Struggling to repay your loan
Subissue: Problem with your payment plan
Consumer Complaint: In XXXX, my spouse at the time consolidated our student loans. My balance at that time was {$46000.00}, hers was {$97000.00}, making a total of {$140000.00}. The loan was originally with XXXX XXXX, currently it is Navient. We had children in XXXX and XXXX and were living on XXXX limited income so we stupidly placed the loan in forebearance as interest accumulated. We have been on Income-Based Repayment for 10 years now as interest continues to be accrued. The current loan is {$450000.00}, making a total of {$300000.00} in interest. My wife is now my e-wife but we are still sharing the payments. Ther XXXX continues to increase due to the size of the loan. It is currently over {$1000.00} per month. While we do not work for non-profit, we have both worked with XXXX individuals for more than 20 years. We are both modest income people. I am XXXX XXXX XXXX and looking towards retirement. Is there anything that can be done? Thank you
Company Response:
State: NY
Zip: 12401
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I negotiated with Navient to get my loan payments in order. I have the text messages clearly showing the agreement from the XXXX that I agreed to make the payments we decided on through XXXX of XXXX and would call back in XXXX to re-apply for these monthly automated payments. We were making these payments with out an interruption. Then suddenly two weeks ago I got repeated calls from Navient telling me my payments had stopped and I was apparently having a problem paying. When I asked them to look through their records they could not identify why the payments had stopped. once again I RE- INSTITUTED the auto pay. By now my credit score had tanked. I asked Navient for the audio tapes from our conversations as all of these calls are recorded. They told me they would not give me the recordings. I am attaching the text documentations to see that I had agreed to the payments back in XXXX. There was something in their system that ceased to work and penalized me. Please address this.
Company Response:
State: IL
Zip: 60067
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I received loan forgiveness through the XXXX XXXX XXXX XXXX. However, Navient has continuously denied that my loans couldnt be forgiven due to this since they are private. I have sent letters and filled out discharge paperwork for schools that have closed as well. This has gone on for the past XXXX years, without any type of resolution except threats for delinquency. Prior, to my XXXX XXXX being approved for the federal loans to I was paying for the private ones. I dont believe I should still be paying a loan that XXXX wasnt needed at the time of my enrollment but due to the predatory practices of the school was taken out. XXXX. I shouldnt be paying for loans for a campus that is now closed due to those same practices. Theres no way, that a loan that originated as {$5000.00} is now over $ XXXX for schooling from XXXX ago.
Company Response:
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: For over 10 years i have been forced into making payment arrangements on loans that i have no idea what i am paying for at this point. I have requested multiple times info on what the charges were stemming from way back from XXXX XXXX and now navient and to date have not been provided with anything showing what i am being charged for. I have been referred to the colleges each of whom have advised they can not provide me with any of the information requested as its unavailable. I am former military and had the Montgomery GI bill which was used to pay for my college. I am not understanding how this balance is accurate. I have sent letters to my congress and senators offices and President Biden XX/XX/XXXX and to date i have still not been provided with any documentation from the carrier advising what the balance is from what classes, books tuition etc to verify why i am being advised i owe multiple different amts for student loans. I have notified navient at one time that i was contacted by a collection agency advising that the balance had been taken over by their company and provided a totally different balance than what Navient was advising of and when i advised them of this information i was advised that i would disregard the collection agencies info and work with navient as they took back the acct and the collection agency was no longer collecting. I advised i had received the letter that day and questioned the difference in the balance and again asked for documentation showing what this balance was from. I then explained it is against the law for two different agencies to collect on the same debt and that this should be done away with due to the negligence in the collection practice they were following with two companies involved and we are still fighting the same balance but different totals today. I am at this time refusing to make payment arrangements with them because i am not sure what im arranging to pay for nor have they provided this information. and since this information was even requested on XX/XX/XXXX with no reply at this time i am asking that the law be enforced and each of these loans be removed from my credit report and any further collection activity is ceased from this company. I have been forced for over 10 years to agree to pay a balance i have not agreed i owed. I went to the military specifically to pay for college and i earned my GI Bill for my service which paid for my schooling. I have been sick and still trying to fight them which has ruined my credit dropping my score over XXXX for their erroneous billing. Please assist me with getting this balance removed from my credit as navient has been found to have very fraudulent billing practices, we are forced into payment arrangements that are not ones that would be knowingly made had we been accurately assisted with the way they have been putting loans into forbearance or deferring with high interest rates causing hardships for millions of us across the country. Please help as their practices and responses are as if they do not care and do not care to resolve any issues they say i owe it and feel they are correct when the entire time they have been asked for proper documentation including last requested XX/XX/XXXX they should be forced to follow the law and remove since it has been over 30 days. Please help i am just finding out i can submit this request for assistance and i am seeking help as i am in dire need as they have not followed up to provide any information requested of them. letter sent to then in XXXX and provided to President Biden and Arizona Congress and Senators office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX XXXX XX/XX/XXXX President Joe Biden XXXX XXXX XXXX XXXX Washington DC. XXXX Dear Mr. Biden, My name is XXXX XXXX and i am writing this letter requesting assistance from my superiors. I am at my highest level of frustration and can not find any assistance. So i am writing all of my legal representatives for assistance. I am former military and went to the military for college money. I was promised to receive my Montgomery GI Bill when i was XXXX. I went to college 2 semesters and being asked to pay over XXXX that I have requested proof of my debt from Navient for over 10 years now including this year and have not received to date. I have advised them on multiple occasions that they are illegally attempting to collect on a debt. They have had the same account with another collection agency which had a totally different amount due and when advised that they can not have the same debt at two diff companies with two different amts being due they advised that the other company is no longer collecting they are and still to date has not provided anything that shows what this balance is stemming from. Due to the confusion on the amt due and the company that is collecting i became even further concerned on the billing practices and i began to refuse to make arrangement because i have always stated to them the debt is not valid and agreed to arrangements because they were to be investigating the issue but i never receive any type of reply or follow up. I have only been sent a paper that states it was a promissory note that was electronic that stated i received a loan. I have no information or access to verify anything about this debt. There is no breakdown on the classes, books, fees etc. I was told to obtain this information from the college. I went to the college not once but twice, spent hrs and sent here and there and was advised they have no access to the records and could not direct me on where i could obtain this information at. So again direction navient and sallie mae has provided during this tenure leads me to nothing when trying to verify what this debt entails. For the reasons listed above i am asking that Navient be forced to follow the law when they have not successfully provided anything that shows what the charges and the balance is stemming from. To add further frustration, i have asked them NOT to call me as i wanted information in writing and still to this day they are contacting me daily and multiple times a day which is against the law. They have also started calling another number i am associated with when i have asked multiple times to correspond in writing. I would ask for the max penalty per call for them contacting me via phone when asked not to do so. I am asking that this fraudulent billing which has dropped my credit score over 100 points be removed from my credit and they follow the law and no longer attempt to collect on a debt that they did not prove in 30 days from my dispute this year, or any previous years. They should not be allowed to continuously violate the law and destroy my credit in the process of them fraudulently billing me for a balance that has not been validated at any time they have been asked to do so. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX : XXXX
Company Response:
State: AZ
Zip: 85208
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XXXX my co-borrower filed bankruptcy and the loans were placed into bankruptcy and the payments were placed on hold, during the proceedings. Navient told my co-borrower that the student loans could not remain in the bankruptcy and the loans were pulled out of the discharge proceedings. Navient Solutions, formally Sallie Mae, currently has a settlement case, Woodard v. Navient Solutions, where they told borrowers/co-borrowers that they could not have private student loans discharged in bankruptcy. They were to provide a list of borrowers to the courts, who were affected. Our names were not shared, even though we qualify for the settlement, according to the criteria listed XXXX XXXX XXXX XXXX ). We would like to be added to the list of borrowers affected by their decit.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navient is reporting false information to the credit bureaus. They are reporting that my account is 90 days late in payment when that would be Impossible because federal student loan payments were on pause until XX/XX/2023 under national administrative forbearance relief and today is only XX/XX/2023. Furthermore, because of this, my credit score has dropped tremendously, and now has become a burden on me.
Company Response:
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A