Date Received: 2022-05-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I took out the loan in XXXX but the following year, I XXXX my job, home and all financial abilities to pay back this loan. I was forced into a forbearance. I attempted to apply for the hardship exemption but Sallie Mae never responded to my claim. They ended up taking over {$2000.00} in tax refunds for a couple of years. However, those payments were never shown on my file. When XXXX took over, I attempted to work out a payment plan. they indicated I needed to pay the full amount or be placed in another forbearance. I was working at a XXXX XXXX XXXX. I was not making ends meet and I could not afford this amount. So each year the payments were attempted but too much to pay back. Which XXXX rent being so high, I can't afford the {$200.00} + payments. I attempted to apply for the Public service forgiveness. They told me I was wasting my time. They refused any info other than I needed to pay the loan in full. I worked for a XXXX for XXXX years and moved to a different XXXX organization. Navient stated I could not change jobs the only way I could apply for a public service forgiveness is if I started all over again with my new job. Then in XXXX, I was told ( right before Navient switched to XXXX ) I had to consolidate the loan to a loan with the Dept of Education or I would not be eligible. only to find out that I now have to start at zero again. I might not be eligible for the Sallie Mae/Navient forgiveness XXXX They really lied to me and misled me to believe I had no options to pay this back. They stole my tax money and never applied it to the loan. now, when interest rates should not be applied, I owe more than I owed in XXXX. Over {$11000.00}!!!! This is a loan shark! They will have me paying this long after I am retired. This is not fair! What makes me ineligible for the same programs as most people struggling? I was XXXX and there is nothing that could help me? They stole from a XXXX women trying to survive. That is wrong and now, after XXXX years, there is still no help or apology? This is not justice!!! How can I get help? How can I get back the time taken from me because I was conned into consolidating before the Navient transfer? does Washington know how Navient is still messing with people?
Company Response:
State: CO
Zip: 80214
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My student loans were reported 90 days delinquent back in XX/XX/XXXX, so in XX/XX/XXXX I called because it was still on my credit report and was told that it would not be removed until it was a XXXX balance. It was going to report delinquent indefinitely. I had never heard of an account being able to report indefinitely but I transferred & consolidated my loans in XXXX of XXXX to another lender which put my balance at XXXX with Navient. When I called because it still appeared on my report, I was told that it would report for 10 years. Well XXXX of XXXX came and that made it 10 years it had be reporting on my credit. Spoke with XXXX at Navient in XXXX of XXXX and was told that it should have been removed and she would sent it over to the department that handles credit reports to have it removed. I was told to check back in XX/XX/XXXX and it should be corrected. As of today, XX/XX/XXXX Navient still appears on my credit report showing delinquent from XXXX.
Company Response:
State: MI
Zip: 48326
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Dear Staff, today, XX/XX/XXXX I contacted Navient concerning my private student loan and the eligibility requirements for the Navient Settlement. I was told initially, that my private loan was not eligible then, i was told no one could see if my private was eligible or not. I am attaching my loan history to provide evidence that my loan was attained between XXXX XXXX, while attending XXXX XXXX University and University XXXX XXXX, and was delinquent beginning XXXX more than 11 consecutive months, which is prior to the deadline and I have a subprime rate.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Navient trying to collect while these loans are federal order of Deferment per the US presidents order.
Company Response:
State: AR
Zip: 72756
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: To Whom It May Concern : Not ONCE in my years of constant contact about my student loans with Navient was I made aware of IDR. This included any time I contacted them to ask for lower payments so I could keep working away on the debt. Theyd instruct me to do another forbearance. I was NEVER informed of any of other options- early on, it was explained to me by representatives that deferment was my only option and then, when that ran out, forbearance. Id watch, dismayed, as the interest accrued to staggering proportions. All along, for years, the interest kept building and building until I now owe nearly DOUBLE what my original loan was. I am a first-generation college student, raised by a single mother at poverty level. When it came time for me to take out student loans in order to pay for higher education, I signed whatever I was told I needed to in order to attend university. I had zero adult supervision when I made these financial decisions and zero understanding of how these loans would work. I was eighteen-years-old. I am now forty-eight and it was, and remains, the biggest regret of my life and I do not say that lightly. When the time came to repay my loans, I was just starting out in my career and making very little money. Once Id used the maximum amount of deferment, Navient, gave me ONE option, as I was not making enough to meet my seemingly set-in-stone minimum payment of {$550.00} per month, and this was, and remained, forbearance. Again, they were adamant about forbearance being my only option. For years, I made the minimum payments when I was able. When I would call to see if I could make lower payments, I was ALWAYS told that another forbearance was my only option. The first Id ever heard of the IDR option was only LAST YEAR, when the utter brokenness of this system and a governmental failure to protect those who needed educational loans, was brought to light through various coalitions gaining online traction via XXXX and investigative stories ( XXXX recently, for example ) which have since gone viral and are gathering even more publicity. Again, I spent countless hours on the phone over the years- I was struggling financially but trying my best to keep my student loans from falling into default. Forbearance was, I repeat, THE ONLY OPTION I WAS GIVEN. It was strongly encouraged, in fact, by my Navient representatives. Never once was IDR mentioned for me, not ONCE in all those years. The entire time I have had these loans, not once was I informed of IDR as an option for me until a year ago, during Covid. Not informing someone of their most basic legal rights as they undertake huge, life-altering loans is so massive a failure, its unfathomable to me that this kind of malfeasance was allowed for so long. All these years I could have been paying regularly on these loans, no matter what my financial situation, by using IDR. As an eighteen-year-old, without any guidance at all from parents, I actually trusted Sallie Mae/Navient to be truthful . I truly did and I figured, the government surely must be keeping an eye on them. After all, Sallie Mae/Navient serviced so many Americans educational loans. I didnt realize that I was effectively signing my financial future away. I didnt have children or buy a house because of this crushing debt that only grows bigger each year with the astronomical interest rates. And now, I learn that this happened because of massive governmental failure to safeguard student borrowers. From XXXX XX/XX/22 Some student loan servicers have directed student loan borrowers to choose student loan forbearance over an income-driven repayment plan. As a result, these student loan borrowers have experienced higher student loan interest and higher total student loan balances. The Consumer Financial Protection Bureau ( CFPB ) and state attorneys general have sued student loan servicers for improperly steering borrowers into forbearance. As a result, borrowers in continued forbearance may have a higher likelihood of student loan delinquency or student loan default. In contrast, income-driven repayment offers borrowers who are struggling financially as low as {$0.00} a month in student loan repayment. With income-driven repayment plans such as IBR, PAYE, REPAYE and ICR, student loan borrowers pay their federal student loans based on their family size and discretionary income. As such, borrowers could pay as low as {$0.00} a month. After 20 years, student loan borrowers can get student loan forgiveness for their college student loans. From the beginning of repayment, whenever it was an option, I absolutely would have agreed to IDR. I was told my only option was forbearance. For almost twenty years now- I was essentially not informed of my rights as a borrower and to be perfectly honest, LIED to. I was lied to for years as were so many other people who relied on loans to afford higher education. And all of this happened while borrowers trusted their government to be policing what these servicers were doing. I ask that you answer this systemic failure and corporate malfeasance with decency and fairness and help me rectify this awful situation. Given the severity of Navient 's transgressions against its poorest, most vulnerable borrowers, I believe that full student loan forgiveness is warranted here. Thank you.
Company Response:
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Every month in XXXX, even after a federal lawsuit on XX/XX/XXXX, Navient is willfully reporting wrong student loan balance to ( 1 ) XXXX XXXX 2 ) XXXX ( 3 ) XXXX
Company Response:
State: CA
Zip: 92887
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient services my federal student loans. During the payment pause they have been charging me late fees and interest and keep requiring me to make payments even though the payments are supposed to be on pause and no fees or interest charged. They have done this consistently throughout the student loan pause for COVID
Company Response:
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been paying this debt since XXXX to Navient for the student loan I took out to attend XXXX XXXX ( a subsidiary of XXXX XXXX ). Never have I once failed to meet my part of the agreement between myself and Navient/Sallie Mae XXXX This XXXX when I tried to recertify my XXXX with Navient I was told that I no longer qualify for the program. Since the beginning of my dealings with Sallie Mae/Navient they have failed to properly apply/allocate payments and refused my instruction, or just not held their end of our agreement. First, they steered me into paying more than needed on the loan by pushing forbearance on me ; then they capitalized all of the interest on the back of the principal between XX/XX/XXXX and XX/XX/XXXX. They repeatedly tried to convince me to privatize the remaining loan balance through consolidation with the promise of lower interest-rates, which would have removed me from the loan forgiveness process. Every year they make recertification details unclear. This has resulted in increased payments, added accrued interest to my principal, and even worse; caused loss of both protections and progress toward loan forgiveness. I HAVE NEVER MISSED A PAYMENT EVEN DURING GAPS OF EMPLOYMENT, AND DURING THE ENTIRE COVID-19 PANDEMIC. I was at the brink of losing everything, and still made the scheduled payments. Navient has been sued for violation of the XXXX XXXX XXXX Reform and Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. This organization has caused financial harm to countless consumers through their illegal ( and I would say criminal ) actions. The lawsuit against them included my home state of Florida, and the for-profit institution, XXXX XXXX XXXX which I attended from XXXX. Once again : I HAVE NEVER MISSED A PAYMENT. Now I am being told that I no longer qualify to recertify my debt-forgiveness program. That I can not continue the XXXX which I have been in for over a decade now ; and would need to make less money if I hoped to restart the clock on my student loan forgiveness program. The only parameter I have not met is default of my loan. Now it seems that my honest effort to uphold my end of this entire mess is being snubbed because I made the personal sacrifice to do the right and honorable thing despite being lied to about opportunities that would be made available to me if I would only continue forward. This is beyond reprehensible. I am asking for some assistance in pushing back against this predatory behavior. It has been a struggle to make it this far alone. I need help. Please, some resources, advice, or actual legal and monetary assistance would be greatly appreciated to help me overcome this burden. Thank you. - XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XX/XX/XXXX To whom it may concern : Regarding Account Number XXXX During the later part of last year, I XXXX XXXX XXXX and was XXXXXXXX During that time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but unfortunately the calls keep coming in from your collections department as it related to my student loans. I was able to take one of the calls and spoke with a very nice lady who advised me of the status of my accounts, and I advised her that I was currently XXXX XXXX XXXX and I was not working because of the XXXX I was told not to worry, and all my loans would be placed in a forbearance status and would be caught up. I was also advised that all my loans were being transferred to a new servicer sometime around the first of this year and I would receive a letter explaining. I hung up the phone and focused on my recovery assuming thinking everything was fine. The calls stopped and I did receive an email indicating that my forbearance had been approved and to be honest that was the last thing I heard from Navient on my accounts until I received a notification from my credit monitoring application on XX/XX/XXXX and a call from my Veterans home loan officer advising that three of my student loans had been flagged as 90 days past due. I told her that those loans were placed in forbearance status due to the fact I was XXXX with the XXXX XXXXXXXX XXXX. I immediately called Navient and spoke with XXXX on XX/XX/XXXX and explained my situation and he brought my loans current and said he would email me the information I needed to send this letter to your department. I did receive the email but was still very upset about my home loan being placed on hold because I was told that all my student loans were in a forbearance status, and I didnt need to worry about anything. I do need to point out that I received no communication from you telling me there was a problem that I needed to address and fix. I am upset because I was in the XXXX XXXX XXXX XXXXXXXX so incredible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and take one of the many in bound missed calls, I was told by the representative that called me that all my loans would be brought current, and the loans would be placed in forbearances status, and I was not even given the opportunity to work with Navient to fix this issue because I didnt know an issue existed. I called back and requested to speak with a supervisor and was reluctantly transferred to a team lead ( XXXX XXXX on XX/XX/XXXX ) and after explaining my situation again he was not interested in resolving my problem at all or even taking ownership of the issue but did admit that there was fault with the communication from the representative that had contacted me in the XXXX and my loans. In addition, there was some major miss communication as to my loans being transferred to the new lender, I was told by Navient that all my loans would be transferred over the first of the year. When I contacted the new service provider, I was also told they were servicing all my loans. I was very shocked to find that I had three loans that had not transferred to the new lender. Currently my loans are in a hold, and I am waiting on the documents to complete the consolidation of the loans. I am asking that you please communicate to all three credit reporting agencies and please remove the 90-day late payments from my credit reports. I am still recovering from XXXX XXXX XXXX XXXX but more importantly I am trying to make a fresh start by moving into a new home which is now on hold because of this. I Sincerely had no idea that problem existed with my accounts based on the conversation I had in the XXXX and as soon as I alerted that a problem existed. I do understand that this virus has impacted many, but I am asking that you please remove the 90-day late payments being reported to all the credit bureaus. I am just trying to start over and get better from after all the hardship of last year. On XX/XX/XXXX I faxed the documentation as requested from XXXX and followed up with a phone call to make sure the fax had been received okay. I was told that Navient had received the fax and they were forwarding it to the right department. On XX/XX/XXXX I spoke with XXXX in the US call center and advised him that I had been working with a supervisor XXXX on two issues and I would like to be transferred to her. I was told that he would look at the notes and see if could help me and or transfer me to the supervisor. I told him I would prefer to be transferred since I had already gone through the process of speaking with an agent, then team lead and supervisor. Unfortunately, he would transfer to the supervisor I spoken and at ground zero again, explaining everything to a new person XXXX. He then said oh Yeah, we did XXXX the letter something about being in the XXXX we received that on the XXXX and a letter has already been generated stating that my request had been denied. He said you needed needed to send my phone records into support my claim. I told him that I was told to write a letter and the phone records were an option. At that point I asked to speak to a manager at which point I was placed on a hold, and I finally was told that a manager would call me back in 24 to 48 hours and the manager might be on vacation or not in the office. I asked so there is no one that can resolve was told that was the only option. I explained that I have been very proactive and trying to work with Navient to resolve this issue Not less than 2 hours after I hung up the phone> I received a call from XXXX XXXX with the customer advocate department with Navient called advising me that she would be my point of contact and would resolve my problem. She reassured me that the documentation I provided was very detailed and would speed up the process. On XX/XX/XXXX I sent copies via email of all my phone records that showed no calls from Navient except for the calls received from XXXX XXXX as requested. I received an email on the XX/XX/XXXX from her thanking me for the information. From that point on I was told and lead to believe that information was going to be correct on my credit report and based on that information, I was informing my lender. Each conversation I had with XXXX XXXX I asked if there was anything I needed to provide and was told no. She said she was confident that that the information would be removed from my report and would not tell me that if she didnt feel that way. Every conversation I have had with a Navient has been one lie after another and the ultimate price has been my credit and home loan being jeopardized. I have never seen anything like this. I never received a call from an manager and after wasting 12 days with the Customer advocate department and providing the burden of proof on my end and being told that the situation would be resolved with XXXX XXXX. I am told that I need to wait another 24 to 48 hours to get a call from a Manager. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TN XXXX XXXX
Company Response:
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: XX/XX/2022 I received two emails from navient demanding past due payments and late fees totaling over {$380.00}. I am supposed to be in the income driven repayment plan and have recertification as needed every year, but navient keeps saying they didn't receive any documents pertaining to the income driven repayment plan, but it says documents sent successfully. On top of that I believe that navient is taking the Pell grants I was rewarded and instead of deducting that free money that I don't have to pay back and they are adding it to my balance to draw more interest. Plus my student loans were on pause until I got a call from navient saying I need to pay my student loans and I tell them I'm in the IDR repayment plan they respond by telling I wasn't and I would need to go into forbearance. A month or so later I am getting emails to make a payment on paused loans.
Company Response:
State: KY
Zip: 40504
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A