Date Received: 2023-11-01
Issue: Struggling to repay your loan
Subissue: Problem with your payment plan
Consumer Complaint: Navient calls me up to 5 times a day from unidentified numbers in different States. Everyday. Between XXXX and XXXX. Even during the pandemic period where loans were paused. They said that did not apply to me. Even though all my information came directly to me from the federal government. I was on the IDR plan and still am... I got notice of my payment restarting in XXXX. Navient does not care ... they want me to take out a private loan to pay back my federal loans. I also know that on XX/XX/2024 Navient will no longer be my service provider as they have quit. It seems like it's quite a scam. But they keep calling.
Company Response:
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Good Afternoon to whom this may concern I still have questions regarding my account. I was unaware of the status of my account until it showed up on my credit report as of the end of XXXX. I have spoken with several representatives and sent emails regarding these issues. I was told that Navient does not report good standing to the credit agency and that my status would be that way for the next 10 years. That is why I disputed with the agencies. I guess I was misses informed by my lawyer because I was told that this account was included in my bankruptcy and that they could be discharged because federal loans can be included in a person 's bankruptcy if the Judge agrees. I also was informed that Navient is not a federal agency so that's why my loans became due, but then I'm told that these are federal loans. If these are federal backed loans or federal loans, repayment did not go into effect for federal loans until XXXX so why was I hit with late payments? It also comes at a time when I'm trying to secure housing for myself and children, and everyone knows they use your credit score. ; due to these repeated past due charges I can not find housing. This is very devastating to myself and my family. I'm XXXX yrs old and to have to go live with a parent in a XXXX apartment with XXXX kids is totally embarrassing. In the past I have never been late with any of my student loans, and I feel this is very unjust. Navient has not reported anything to the credit agency regarding these student loans for years, then all of a sudden late and dropped my credit score XXXX points crushing my dreams and belief in the federal systems. Last question : How is it that if this is not a federal loan Navient can use the federal IDR for these loans. This all is not fair, and it is ruining my life. I've been told that Navient could remove the late payment status with a Goodwill letter. Is this possible in my case I have completed all forms needed for IDR and also looking to consolidate these loans, so this confusion doesn't happen again. Navient does not tell the truth 1 rep says these are not federal loans the next rep says these are federal so why doesn't the federal law apply.
Company Response:
State: OH
Zip: 45211
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Navient contacted me for the XXXX time to tell me I owe fees. I am poor and XXXX. Navient is on my credit although never notified me of anything. Now for the first time Navient is fraudulently taking advantage of people with XXXX to charge fees. I notified CFPB of Navient on credit but was never notified of fees before. This is FRAUD AND THEY SHOULD BE HELD LIABLE.
Company Response:
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: USC 15 1681a ( 2 ) ( i ) states that It is illegal to report transactions or experiences on a credit report. All alleged late payments and other transaction and experiences must be removed and ceased to being reported.
Company Response:
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: In XXXX I took XXXX loans with Navient so that my daughter could go to college, I paid these loans for 17 years finished paying all XXXX loans in XXXX, and despite that they have this information right on their web site they are trying to get paid again!! This is fraud the have loans that just opened in XXXX my daughter is XXXX XXXX XXXX, and I as a single mother paid all my Navient bills as can be seen in the attached Navient screen shots. I also have a copy of all my payments!
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act the following creditors ; XXXX XXXX XXXX XXXX, Navient, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b, a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose. Dates Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVIENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient improperly denied my IDR application as " too early for recertification '' when I am clearly requesting a new IDR plan. Navient is failing to act in good faith. They are fraudulently seeking to collect more money than what is owed rather than process my IDR plan as required by law. They are impossible to communicate with or work with. You can not call, or otherwise communicate with them in any meaningful way.
Company Response:
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NAVIENT Navient has been reporting the wrong information since XXXX from the emails received. Navient account was reviewed on XXXX and the school they are reporting is XXXX University. I was a student at XXXX University starting XX/XX/XXXX. The loan disbursement date on the Navient account is XXXX. I did not attend XXXX University in XXXX. Navient has been reporting this false information for 3 years ( or more ), which has taken a toll on my credit report. I have been receiving calls between XXXX XXXX - XXXX XXXX every day except Sundays, and I know they know it is a violation to contact consumers several times a day. Per the FRCA, it is my right to ensure that information is being reported accurately.
Company Response:
State: MI
Zip: 48186
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Navient you furnished an alleged transaction on my XXXX that you identified as late. 15 U.S. Code 1681a - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not rely to me stating that you are furnishing accurate information because we both know your not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : { List Late Payment account/s } XXXX XXXX XXXX Without Recourse UCC 1-308
Company Response:
State: MD
Zip: 20782
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am following up on an issue with Navient, a student loan provider. I was working on my Ph.D. and a student in school. Navient kept sending me your letters, and bills and they were calling me that I had to pay them back from XXXX. My university confirmed I was in school and working on my Ph.D. Navient kept billing me. The vice president of my university and I called Navient and it was cleared up. It took many months and over XXXX hours of discussion between Navient and XXXX XXXX to finally get Navient 's misinformation finally got it settled. An issue with Navient came up again in XX/XX/XXXX. I began getting calls from Navient that student loan payments were due. I was still attending my graduate program. I understand that post-graduation, graduates have a six-month grace period. This would be estimated from XX/XX/XXXX at which time I was scheduled to complete my program and graduate. I communicated this information to Navient representatives, which was ignored. Navient representatives continued to call and bill me demanding pay even though I was in school and later within the grace period. I contacted my lawyer and despite many communications and documents showing their error with the repayment period, Navient continued to send me emails and bills of past due payments. They also reported them to credit bureaus the mis information. The bills show overdue payments even though I am in the grace period. I have consolidated all my student loans however Navient refuses to correct the credit bureau reporting errors. My credit report is significant for XXXX, which I qualify as a state service employee. I am requesting to remove the late payment reports from Navient as soon as possible to ensure my credit is restored so it does not affect future XXXX or other credit concerns. Kindly confirm this will be corrected at your earliest convenience. I am attaching previous documents demonstrating the reporting error to my credit report. On a related note, Navient sent a letter with a return address stating the " Department of Education. '' The letter stated I could not consolidate my loan because I had a past due payments balance with Navient. I learned that the letter was not from the Department of Education it was from XXXX which is Navient 's affiliate. This is clearly fraudulent misinformation and their unwillingness to correct their errors, is a serious concern. I went back to my employer to let them know and they told me to file a report with the CFPB. I filed a complaint to get my loans consolidated and report Navient 's bad-faith communication/ practice. I'm concerned as they may be reporting overdue payments to the credit bureaus which is untrue. They are stating I owe {$840.00} and other fees that are past due but am still in the grace period. I hope to clear this misinformation that is affecting my credit from the misreporting by Navient 's reports removed from my credit reports.
Company Response:
State: NJ
Zip: 07042
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A