NAVIENT SOLUTIONS, LLC.


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"Products" offered by NAVIENT SOLUTIONS, LLC. with at least one, but usually more complaints:

Bank account or service - Checking account
Bank account or service - Other bank product/service
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Consumer Loan - Installment loan
Consumer Loan - Pawn loan
Consumer Loan - Personal line of credit
Consumer Loan - Vehicle loan
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Refund anticipation check
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Other financial service - Debt settlement
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Loan

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 5392635

Date Received: 2022-03-31

Issue: Struggling to repay your loan

Subissue: Can't temporarily delay making payments

Consumer Complaint: Beginning of XX/XX/2022 I had to renew my income based payment plan with Navient and XXXX XXXX. Both have been on the Covid deferment issued by the President. Once Navient approved my renewal and gave me my payment amount, I then received a statement with payment amount and due date and that I was currently a month behind. I received this information by email attached photos below on XX/XX/2022. Once I read the email, I then preceded to contact Navient about the payments being deferred by the President for Covid and Navient replied these loans do not qualify for that. Granted my payments are only {$13.00}, but how do you go from them being deferred to not being eligible just cause you updated the XXXX?? Thanks

Company Response:

State: IN

Zip: XXXXX

Submitted Via: Web

Date Sent: 2022-03-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5391650

Date Received: 2022-03-31

Issue: Dealing with your lender or servicer

Subissue: Received bad information about your loan

Consumer Complaint: Navient called me approx. 2 weeks ago stating my payment was 32 days past due and going to collection. I asked why since payments had been extended until May. She stated my loans are not federal loans. I said yes they are. I also have a letter from fed loan servincing stating that my FEDERAL loans are being transferred to XXXXXXXX for repayment. They have no reported me to credit bureau. I have all documentation. And their recorded call.

Company Response:

State: CO

Zip: 802XX

Submitted Via: Web

Date Sent: 2022-03-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5390376

Date Received: 2022-03-31

Issue: Getting a loan

Subissue: Confusing or misleading advertising

Consumer Complaint: In XXXX I inquired at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I was lead to believe that I would be making potentially 6 figures in 2 years or less if I went to their school. I signed up for both in person and online classes. The school not only maxed out my borrowing for loans but forced me into private loans to buy equipment and supplies that were not included in the tuition. They are a for profit school. I was a single unemployed new mom and they preyed on that. Although I struggled I was on the deans list and keeping my grades up. I received a phone call from the school after {XXXX} in private loans were forced on me to take out to pay additional expenses and the school maxing out student loans I was told, the program was only eligible to receive loans for 2.5 years and I will need to pay cash for my upcoming semester in the amount of {XXXX} +. I have been put into bankruptcy and left potentially homeless with no way of ever being able to dig myself out of the financial burden the XXXX XXXX XXXX XXXX in XXXX Indiana imposed on my life and future. They promised job placement and they lied about graduation and success rates, they misrepresented fees and costs, filled out loan paperwork on my behalf. I attempted several times to get some kind of forgiveness for all of loans and continuously denied by the loan servicer, which was XXXX XXXX and navient. I have been gainfully employed with a government position for 8 years, still because of student loans not able to afford daily costs of living with loan services wanting unaffordable payments a month that excess far beyond what my salary allows me to afford. Student loans are not my only debt or bill. I am a single mother of XXXX XXXX XXXX XXXX and live with my parents. If the XXXX XXXX XXXX XXXX had not misled and blatantly lied, I would not be in this situation which has inevitably ruined my life and future and potential of giving my daughter a future and stability. After being employed in public service for 8 years my payments for pslf have been recalculated with a pay off year of XXXX. How is that possible when Ive made payments since XXXX and pslf is forgiveness in 10 years and Ive already been employed for 8? The private loans still being serviced by navient are apparently unforgivable under any circumstances or misleading by the so called college that demanded {XXXX} cash after lying to me for 2.5 years and. I can not make or afford payments of $ XXXX a month and feed myself and my child, put gas in my car to get to work or pay other bills.

Company Response:

State: IN

Zip: 463XX

Submitted Via: Web

Date Sent: 2022-03-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5389715

Date Received: 2022-03-31

Issue: Struggling to repay your loan

Subissue: Can't temporarily delay making payments

Consumer Complaint: I called Navient today - XXXX XX/XX/2022- to try to delay my private student loan payments until I can find a full-time job. Navient refused even though I told them I was only making around {$300.00} a month doing part-time work. I was fired from my job in XX/XX/2022. I have been looking for work and have applied for over XXXX jobs, but with my XXXX, XXXX, religious/philosophical convictions, and XXXX I have not been able to find full-time work. I just got off a 6 month interest only loan payment option, but explained to Navient that if I made ANY payment over $ 200/month I WILL BE XXXX IN A FEW MONTHS! NAVIENT DOES NOT CARE AND TOLD ME THERE WAS NO MORE FOREBEARANCE TIME ON MY LOAN! This was their only option. The last time when I mentioned my XXXX, THEY TREATED ME LIKE TRASH AND SENT ME A FORM TO FILL OUT TO CANCEL MY LOANS, WHEN I AM NOT ELIGIBLE FOR XXXX FOR MY CONDITION - MY XXXX ONLY IMPACTS THE TYPE OF WORK I DO- IT DOES NOT MAKE ME PERMANENTLY XXXX! NAVIENT HAS VIOLATED MY CIVIL AND HUMAN RIGHTS! THEY HAVE TRIED TO MAKE ME FEEL LIKE A WORTHLESS PIECE OF TRASH! XXXX XXXX XXXX

Company Response:

State: NC

Zip: 287XX

Submitted Via: Web

Date Sent: 2022-03-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5389639

Date Received: 2022-03-31

Issue: Struggling to repay your loan

Subissue: Can't get other flexible options for repaying your loan

Consumer Complaint: I am concerned. I graduated in 2008 and I am still paying student loans and owe over {$100000.00}. I don't understand why. I started looking at my statements and it looks like my balance goes up some months even though I have been paying for years. I have an account with Navient and XXXX. Navient is the worse culprit. Now the federal loan has been transferred to XXXX but still in deferment because of the pandemic. Please help me figure out how to get this addressed.

Company Response:

State: NC

Zip: 28027

Submitted Via: Web

Date Sent: 2022-03-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5388307

Date Received: 2022-03-31

Issue: Dealing with your lender or servicer

Subissue: Trouble with how payments are being handled

Consumer Complaint: From XXXX to XXXX, XXXX XXXX Navient misallocated loan repayments, then capitalized the debt into the principal. This effected my credit score and put me in further debt without an ability to get out.

Company Response:

State: CA

Zip: 94404

Submitted Via: Web

Date Sent: 2022-04-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5387915

Date Received: 2022-03-31

Issue: Dealing with your lender or servicer

Subissue: Received bad information about your loan

Consumer Complaint: I wanted to consolidate my XXXX loan to a direct loan program, and apply for the XXXX program. My spouse and I both have worked for an employer XXXX XXXX XXXX XXXX XXXX. I have worked for the XXXX for almost 26 years and spouse for over 20 years. I submitted the consolidation application, after being told by Navient and XXXX XXXX that I was eligible. Approximately two weeks after applying I received notification that I was denied. The reason given was I had the wrong loan type. My complaint is that I was coerced into consolidating my loans with my spouses loans into a loan type that could not be reconsolidated. If I had known this I would have never consolidated the loans in the first place.

Company Response:

State: NY

Zip: 128XX

Submitted Via: Web

Date Sent: 2022-04-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5387002

Date Received: 2022-03-30

Issue: Getting a loan

Subissue: Fraudulent loan

Consumer Complaint: Private Loans Upon reviewing my Private student loans and requesting promissory notes for three Signature Student Loans with Sallie Mae which is now Navient. I was given a hard time about obtaining proof of my loan for weeks I have been calling and speaking to representatives to let them know I did not take out these loans. Navient sent me three electric Promissory Notes/Applications. One of the applications was from XXXX XXXX and the two other notes were from Sallie Mae. This is truly the scariest thing to happen to me. I researched for the past few weeks and called to speak to different XXXX XXXXk student lending reps to make sure I was receiving the accurate information. Today at XXXX XXXX I called XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX I spoke to XXXX XXXX ( Im not sure if I can add his name but I do have his name upon further request ). I provided XXXX XXXX with three numbers at the top right corner of the form Customer ID Number:XXXX, the App Code:XXXX and lastly the Prom Code:XXXX. I was informed none of those numbers are associate to XXXX XXXX. I asked Representative for his full name and his position with XXXX XXXX so I can have documentation. He let me know he has worked for XXXX XXXX XXXX XXXX for over 8 years, which is located at the XXXX XXXX XXXX in XXXXXXXX XXXX. I XXXX his name while he provided me his history and it aligned with his XXXX account. XXXX XXXX ran my social security number, and nothing came up with me ever having a loan with them. He told me XXXXXXXX XXXX is a competitor to Sallie Mae so they would never sell the loans to Sallie Mae or work with Sallie Mae. He provided me with the XXXX XXXX XXXX phone number for Law Enforcement needs to reach out XXXX Option 1. I have three loans that I did not take out with Sallie Mae. I asked him for a letter verifying I never had an account with XXXX XXXX but if anyone needs to call and confirm with XXXX XXXX, they are more than welcome to. The other two loans under Sallie Mae were not authorized by me and an authorized school official didnt sign off on the loan. My mom is from XXXX XXXXXXXX XXXX XXXX and she never signed to be a co-signer for this private loan. My school provided Sallie Mae with this information. Ive called Navient numerous times complaining about the loans Ive struggled to pay over the years. I was told by Navient representative that she has heard a few stories about these situations, and she advised me to file a police report. I wanted to wait to receive the hard copy of the Promissory Notes to be sent to me. I was provided three notes that I will attach that were never signed by a XXXXXXXX XXXX XXXX XXXX XXXX official. These three promissory notes were electronically filled out. By Law the university must stamp and sign to verify that the funds being borrowed from private lender is necessary for the completion of my education and it was not. Another requirement of a student taking out a private loan is for the student to sign a Private Loan Self Certification Form which I never filled out. Lastly as stated on the Sallie Mae Website, XXXX XXXX XXXX XXXX should conduct an Exit Interview to review any loans taken out to support my education : this never happened. My school has not given me an explanation for this besides I have to reach out to my current servicer which is Navient previously Sallie Mae. I have copies of all the documents discussed in this statement. I have proof from my school website and from Studentaid.gov of all of the issues. Reaching out to XXXX XXXX and being provided the information regarding my student loan being fraudulent is a huge red flag for me and would like there to be an investigation of my university and also Sallie Mae. Thank you for your assistance.

Company Response:

State: MA

Zip: 02136

Submitted Via: Web

Date Sent: 2022-04-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5384187

Date Received: 2022-03-30

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: Pioneer credit recovery Is a company I have never contracted with. now they are stating I owe them money which is a lie I have never contracted with them so there is no money owed to them

Company Response:

State: PA

Zip: 19132

Submitted Via: Web

Date Sent: 2022-03-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5384180

Date Received: 2022-03-30

Issue: Getting a loan

Subissue: Fraudulent loan

Consumer Complaint: I attend XXXX XXXX and have a private loans of XXXX $ that need to be forgiven. I was pushed to get out loans in order to attend the school. Now I have a debt i cant get rid off. The school defraudet me

Company Response:

State: FL

Zip: 33175

Submitted Via: Web

Date Sent: 2022-03-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.