Date Received: 2022-04-06
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: We consolidated our Student Loans into a spousal consolidation many, many years ago. We have been faithfully paying on them ever since. We did not originally qualify for PSLF because we were not under an income-based repayment plan. Since that condition has been lifted, now we STILL do not qualify because our loans can not be refinanced into a Direct loan because of our spousal consolidation into a FFEL loan. My husband and I both would qualify individually -- he has been working for a non-profit for 23 years, and I have for almost 11. But, because of our consolidation before PSLF was even begun, we do not qualify.
Company Response:
State: WA
Zip: 98311
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I graduated from school at the end of XXXX and have been employed by the XXXX XXXX since XXXX. XXXX XXXXNavient serviced my FFELP loans and I dutifully made payments until XXXX. There have been several times I sought information about loan repayment options, but was never told I had to consolidate my loans with the FedLoans in order to be eligible for the PSLF program. The options I was offered all carried higher interest rates and longer repayment terms. When I spoke with someone at XXXX about loan forgiveness, they told me I would have to consolidate my loans with them and then make another 10 years of payments in order go qualify for debt forgiveness. It was heartbreaking, but I went ahead and consolidated in XXXX of XXXX. When the PSLF was expanded, I jumped on the opportunity and was initially turned down. Later, I received a letter stating that my remaining debt was forgiven which was great. However, I made well over 120 payments that qualified for forgiveness but can not get refunded my overpayments because I had not consolidated sooner. I did not know this was an option or even a possibility. If I had known, I absolutely would have jumped on the chance to have my debt forgiven. It seems absurd that my payments toward loan forgiveness count, but only count up until they reach 120 and after that, I was just throwing money away. I know you deal with much bigger issues, but this just seems very unfair. Is there anything that can be done?
Company Response:
State: MO
Zip: 64155
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I get calls daily from different numbers regarding an account for my mother who has been deceased for almost 2 years. I personally dont even have an account with Navient so I dont even know how they obtained my number. I tell every single about her passing. I tell them I have submitted her death certificate and all other documentation several times since XX/XX/2020. But somehow no one can ever seem to locate it. I verify her information every day and they still call. I ask them to stop calling me and I get more calls. Im still grieving and I hve to relive it over and over everyday dealing with them. Enough is enough. You got my cell number somehow but u wont update her account to decease and u wont give her account number, even though I verify everything. I constantly asked for the address, so much Ive memorized it before its even given to most days just to how many times I hve sent. Even sent a copy of the paperwork given administration of her estate which I kno is how they got my number Im sure of it. Yet nothing is on file and still call me 5 or 6 times a day, for almost 2 years. And text messages started about a yr ago.
Company Response:
State: TN
Zip: 37421
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I keep getting emails from navient saying they will offer forbearance and/or hardship. I am confused as to why they are emailing me about payments and they are no longer in the business with student loans. I got several emails stating they want a payment or it will be turned over to the 3 credit agencies. Payments are even at a halt so why are they asking for money. Advantages is the new company. I do have emails to back it up Thanks XXXX XXXX
Company Response:
State: AL
Zip: 35160
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XXXX when I enrolled at XXXX XXXX XXXX in XXXX, I believe Sallie Mae ( now Navient ) was predatorily taking loans out to " continue '' my enrollment within the school. During my stay within XXXX I was constantly pulled out of class to quickly sign loan paperwork to " secure '' my enrollment in the program. Totals exceed XXXX XXXX dollars and particulars can be provided if needed. I have attempted to remedy and pay off these outstanding Loans with Sallie Mae and now Navient to no avail. I have enrolled in " repayment '' programs to only be more in debt or default.
Company Response:
State: CA
Zip: 92606
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I contacted Navient in late XXXX as I was having financial difficulties. The rep I spoke to was in the XXXX and was not fluent in XXXX. She took info from me and told me to complete forms at student.gov website. I did this and I received no help. I called several other times but was put through to reps which did not understand XXXX. I received an email from Navient on XX/XX/XXXX and called. The rep XXXX said I needed to pay {$50.00} for an expedited forbearance but told me it may not be approved. I feel Navient had not been fair to me or helped me through these difficult times.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: When I was XXXX XXXX XXXX ( sometime between XX/XX/2008 and XX/XX/2008 ; turned XXXX on XX/XX/2008 ), my parent/legal guardian/father had me sign a paper to take out a private student loan for {$10000.00}, I was not aware of/did not understand what I was signed. He was the co-signer. I was unaware of the loan and loan payments until after I graduated and the loans went into default, negatively impacting my credit and leading to extreme financial hardship. I did not understand how inappropriate this was at the time as I was in my early XXXX and frantically scrambling to make payments in the face of constant calls from Navient asking to collect on the loan. The loan has since been paid in full by me. However, now that I am an adult and have a better grasp on the situation, I have a better understanding of the situation and am looking to take action to recoup the money paid from either the institution or the co-signer.
Company Response:
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
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: NAVIENT Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX has been paid and closed on my report, this is still showing that it is 30, 60 and 90 days late with a balance. How can this be? They should be reporting the accounts paid. These accounts should not be showing a late date since they have already been paid for. It seems impossible to accrue late on accounts that have already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX
Company Response:
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I applied for and was approved for an IBR ( income-based repayment ) with Navient on Sunday, XX/XX/XXXX. My scheduled payment was {$78.00}. COVID-19 relief allowed all student loan payments to temporarily cease and so, no payments/auto payments began. On Wednesday, XX/XX/XXXX, I received an email from Navient stating that my IBR would soon expire on XX/XX/XXXX ( attachment # 1 ). My original payment ( before my IBR ) amount of {$190.00} would resume. My account is set up on autopay and therefore, I did consider the advance notice helpful. However, on Wednesday, XX/XX/XXXX, I received an email stating that my scheduled extraction of {$55.00} was due to be collected on XX/XX/XXXX -- the email also stated that the current amount due was {$190.00}. My IBR did not expire UNTIL XX/XX/XXXX and going forward, the extraction amount was stated to be {$190.00} based on the email I received on XX/XX/XXXX. On XX/XX/XXXX, the amount of {$78.00} was extracted. I received a 'thank you for your payment ' email on XX/XX/XXXX and a 'thank you for your payment ' email on XX/XX/XXXX. Yet, on XX/XX/XXXX, I received an email stating that Navient had not received a payment from me ( in reference to the XX/XX/XXXX payment ). I ignored it because I know that even though COVID-19 numbers have declined, businesses/organizations are still addressing residual effects from the pandemic in terms of staffing, etc. I wanted to give the departments time to log the payments to my account. However, I received a more 'forcefully ' worded email on XX/XX/XXXX, stating that 'a payment was required '. At that time, I called Navient from work and inquired about the discrepancy. I clarified that I was on autopay and that payments had been deducted. I also reminded them that they set the autopay amount and there was no way I could be late OR miss a payment with autopay (??? ). The person that I spoke with had a heavy Middle Eastern accent and was very difficult to clearly understand so I asked to speak to someone else that could facilitate and clarify so that both parties could understand. The female that I was then transferred to on XX/XX/XXXX, listened to my concern and then, put me on hold to review my account. She returned and apologized and said IT WAS THEIR ERROR and that my IBR ENDED on XX/XX/XXXX and the regular payment of {$190.00} was to BEGIN on XX/XX/XXXX. She assured me that there was no problem, that the incorrect payments would be addressed internally and that there would be no late penalties or adverse reporting to the credit bureaus ( see attached copies of emails with CORRECTED information, attachment # 2 and attachment # 3 ). However, I began to receive emails and phone calls in increasing frequency regarding 'the delinquency on my account ' ( phone calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite asking that I NOT receive calls while at work ) and XXXX emails reminding me that 'there is help if I need to get back on track ' with my payments. I am frustrated because I have autopay for a reason : to remove the hassle of trying to remember to make my scheduled payments and so that I don't have to worry about keeping up with the payments. I am concerned that I can not trust a financial/loan institution to manage my account correctly and accurately -- I trust them to do that so that I can work without stress AND because I DO have autopay, I am equally concerned that it seems that Navient is not quite sure what they are doing and randomly extracting payments in differing amounts ( I have differing accounts of what is supposed to be happening ).
Company Response:
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2022-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
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: Navient is showing 11 late school loan payments but I have been on deferment and income based repayment plan for five years. No payment due until XX/XX/2022, yet late payments are shown.
Company Response:
State: SC
Zip: 29910
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A