Date Received: 2022-05-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My loans were reported on XX/XX/2022 as XXXX late. My loans were on a {$0.00} repayment plan, and student loan payments are pauses until XXXX.
Company Response:
State: PA
Zip: 17111
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Dates are ongoing I lost my home my work and XXXX XXXX XXXX XXXX Navient student loan services calls 6-10 times a day and today XX/XX/2022 started calling and harassing people the believe are family member which they are no I have sent emails and mail to tell them to not contact anyone else concerning this account. One potential employer pulled my application this morning because of the call. I have asked and asked written and told them not to contact or harass calls 6-10 times daily every day.
Company Response:
State: TN
Zip: 37862
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX is in violation of California 's Unfair Competition Law and False Advertising Law by putting my loans in costly forbearance and failing to let me know the benefits of an income driven repayment plan. I am one of the XXXX borrowers that must have their loans XXXX, removed, and deleted from all of my credit reports. XXXX, XXXX, and XXXX is indirectly in VIOLATION of the California 's Unfair Competition Law and False Advertising Law because they are allowing NAVIENT to put report information that must be removed due to the settlement. I want XXXX, XXXX, and XXXX to BLOCK all Navient accounts IMMEDIATELY so it does not report on my credit report until the investigation is complete. Before the investigation, I want this account removed completely, if you cant delete before the investigation then delete it after 15 days from today or no more than 24 hours after the investigation is complete. XXXX XXXX
Company Response:
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Despite sending FTC reports, police reports, notarized documents and filing disputes, and then hiring a credit repair company, all three credit bureaus and several creditors are still reporting fraudulent information and have not removed the items. Please see attached supporting documents that explain the situation, and the accounts in dispute. Complaints are being filed against both the bureaus and the creditors. This has been going on for years and it is extremely damaging to my credit and is costing me money to fight it. I want the items removed immediately. FTC and police reports attached.
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I have 4 private student loans with Navient, went to XXXX XXXX, XXXX, XXXX - XXXX. The loans I took out were Sallie Mae loans, I thought at the time they were government loans. First loan, I took out was for {$12000.00} doubled to {$25000.00} within several years ; the other were small loans {$9000.00}, and ( 2 ) {$5000.00} loans. I started paying back the loans under income repayment in XXXX with monthly allotments to present. Iam now on Social Security and spousal military retirement ; main income. XXXX to my XXXX XXXX mother with multifaceted illnesses. Pay present monthly amount of {$240.00} to Navient. Have to renew loan every 6 months with higher and higher interest rates. Two weeks ago tried to renew loan repayment with Navient will go up to {$300.00} monthly. I recently learned from my credit report Navient has filed contradictory information that I have continuously missed payments. How can I miss so many payments when I set monthly allotments??? The problem I noticed with Navient when you set up the allotments on your credit card/debit card, the first month you start taking out the allotments always dont process with the bank. Thats the only way I figure I could have missed payments??? I need help from a pro bono lawyer to help clear my credit report. Navient is the only company on my credit report with destructive information. Iam XXXX years of age, I have intention to pay on my student debt but not beyond my means. I have to pay rent, car insurance, XXXX insurance I just need help lowering the debt some.
Company Response:
State: VA
Zip: 23111
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXXt account # XXXX, has violated ny rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It aslo states that a consumer reporting agency can not furnish an account without my written instructions
Company Response:
State: CA
Zip: 95757
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: For over two years I have been trying to set up arrangements for my student loans with Navient. Representatives hang up on me and put me on hold and if I dont hang up they do. They are reporting as defaulted/ charge off but they not assist me in anyway. No payments were made when it came out of deferred status because I can never get any assistance.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have XXXX private loans through Navient. In total I owe {$90000.00}. My interest rates are 9.25 %, 10.25 %, 11.125 %, and 11.13 %. The cost of each loan combined a month is {$850.00}. I've completed multiple financial statements with Navient to prove I can not afford the monthly payments, I have not been able to get it reduced. I make {$60000.00} a year with getting paid {$1300.00} biweekly.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I filed bankruptcy in XXXX but my lawyer would not include my student loan because Sallie Mae told me it was not eligible. I didn't even get the chance to ask a judge. I was told there is no Income-driven repayment plan available for me and that my loans would never be discharged after 20-25 years. I remember that day clearly because any ounce of hope I had left of being relieved of this burden left me in an instance. I attended XXXX XXXX XXXX XXXX XXXX XXXX at the Cooking and XXXX XXXX of XXXX which has since been closed down due to misleading students when it came to their private student loans. I submitted an application for loan forgiveness through the Borrow Defense program but I was denied. I submitted an application for reconsideration in XXXX of XXXX but have never received any other correspondence. My original loan amount in XXXX was {$33000.00}. As of today, almost 20 years later, I have paid over {$51000.00} back and I still owe over {$49000.00} due to interest and fees. That is just in private student loan. That does not include my federal student loan. The latest I ever was on a payment was 2 days short of going into default. I begged family members for money to make a payment to avoid going into default. Today I find that was a crucial mistake given the new settlement that I may have been eligible for if I had just let it go. My grandmother was my cosigner because my credit score was too low to get the loan on my own. After constantly being late and missing payments, my grandmother was so upset that she stopped talking to me. Unfortunately, we were unable to mend our relationship before she passed in XXXX. This is the story of thousands of private student loan borrowers, not just myself. It really is sad that this has happened to so many Americans who were just trying to better their lives. Now I sit alone because I'm so far in student loan debt that I can never get out. Which means I can never buy a home, or build a family. I can never get married with this financial burden.
Company Response:
State: IA
Zip: 51501
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Thank you for your letter dated XX/XX/2022, wherein you confirm my outstanding balance as requested. It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before XX/XX/2022, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.
Company Response:
State: GA
Zip: 30021
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A