Date Received: 2022-03-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Back when Navient was Salie Mae I had received a call about repaying my loans and since I wasn't working I wasn't able to pay them. I received a harassing call from the center saying I had to pay and they wouldn't get off the phone. I spoke to a man who was extremely aggressive and said that he would reach out to my mother, who was a guarantor. My mother ended up paying the lump sum, which was {$10000.00}. But this was so unprofessional.
Company Response:
State: NY
Zip: 11104
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I worked full time in 2 nonprofit XXXX agencies from XXXX XXXX XX/XX/XXXX. I began paying on my student loans in XX/XX/XXXX. In XX/XX/XXXX, I was experiencing financial hardship due to an unexpected divorce. I contacted XXXX XXXX/navient in an effort to reduce my payment and was informed forbearance was my only option. I was not offered an income based repayment option. I began paying again on my loans in XX/XX/XXXX, when I also consolidated to an eligible PSLF loan with an eligible IBR payment plan and have not missed a payment since. Due to being advised to put my loans in forbearance for 5 years, those years are ineligible for PSLF forgiveness. If I had been offered a reduced payment based on my income, those years would have counted.
Company Response:
State: MI
Zip: 48439
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XX/XX/2022 - I logged into my Navient account to check on my loans. Currently, one of my loans is for XXXX XXXX. I wanted to see if anything was happening with the loan being forgiven. When I checked my loan details Navient has changed the name of the school to another school I attended 3 years later. I called them and confronted them about it as I believe this is blatant fraud and an attempt to ensure the loan does not get forgiven by changing the name of the school. After spending close to an hour on the phone I was told that the supervisor looked back at the account and that it was indeed an error and they would fix it. I asked for a reference number or anything I can use to refer back to and was told they don't do that and it would be a couple of days before it gets fixed. I believe they did this in order to prevent my account from getting flagged for forgiveness and seems to be a pretty clear case of attempted fraud because if I did not regularly check my account I never would have noticed that and my account would never get flagged as an XXXX XXXX loan and be forgiven.
Company Response:
State: FL
Zip: 32164
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Hello- I don't know if I am doing the right thing by messaging you here. I don't know if you can actually help. I don't know if I will ever hear back from someone. And if I do hear back, will that person just tell me that there is nothing they can do or will they just tell me to contact someone else? I suppose that I'll find out. Simply said, I can not pay my private student loans with Navient. When I was working towards my XXXX and my XXXX, I took out loans with Navient because it was easy money to get. I was already maxed out on the amount of money I could take out from the federal government and getting private school loans was the only option I had to not just pay for my courses but also to get money for a living allowance. I have over {$200000.00} in federal student aid loans and over {$10000.00} in two private loans taken out from Navient. With regards to my federal loans, I have 2 consolidations, both done on XX/XX/XXXX. The federal loans were used to help my parents and myself pay for my XXXX tuition ( I graduated the XXXX University XXXX XXXX ( XXXX ) in XXXX ) and also for my XXXX XXXX XXXX ( I have an XXXX and then a XXXX XXXX XXXX XXXX which was just given to me during the course of working towards my Ph.D. ). The current principal for the 1st federal student loan is {$85000.00}. The current principal for the 2nd federal student loan is {$130000.00}. Together, the two loans equal {$220000.00}. The purpose behind the private loans from Navient was to help me complete my XXXX I needed this degree so that I could become a XXXX XXXX ( the only thing I ever wanted to do ). However, I failed out of the program due to politics within the program. I did very well in all of my coursework and even had much of my dissertation already completed ( which was unusual ). I even had an unofficial chairperson who was one of the professors in the program. He told me that he would make sure that I was granted my XXXX but I had to pass my comprehensive exams. I ended up failing those exams twice and was kicked out of the program. The first private student aid loan from Navient was taken out for {$8700.00}. That loan was disbursed on XX/XX/XXXX. The current balance on that loan is {$7000.00}. The second Navient loan was disbursed on XX/XX/XXXX. The disbursement amount was {$8000.00}. The current balance on that loan is {$6200.00}. Together they come to {$13000.00}. Together with my federal loans, I have {$230000.00}. I am XXXX XXXX XXXX and I am currently living with my mother. The federal student loans have been in non-payment status ( I believe forever )- I don't believe I have ever made a payment on those loans and I have never been in default on them either. For the private loans, when I took them out, I needed my mother to cosign for them. So her name is on those loans and even though I have been able to make some payments over the years, my poor mother has been the person who has made the vast majority of those payments. She is XXXX XXXX XXXX and retirement is not in her future. I am certainly not helping her and that has really hurt me over the years. My father passed away 3 years ago on my birthday. For the last decade, due to unknown problems, I have not had a stable career. I have currently been unemployed for almost a year however I believe I will be able to start XXXX again shortly which should bring in some money. I have been so depressed over money. About 8 years ago, I declared bankruptcy which did away with my personal debt but my college debt was untouched. I first moved to XXXX and then with my parents down to XXXX XXXX, XXXX XXXX. I wanted to spend time with them and to take care of them. And I don't regret doing that - unfortunately, that has not created much of a life for me. But I was able to help them. However, down here, anywhere around here, there are NO jobs. I used to work at XXXX. I was the most educated person working in the plumbing section and that's all I could find work for. I was able to XXXX XXXX for a while but after my dad died, the thought of driving 3 hours every XXXX XXXX XXXX XXXX became unbearable. So I finished the term and stopped doing that because it was just too much of a drive for me. And that's all there is " around '' here. Why should it be a decision? Either I take care of my mom or I move to somewhere which has a job better than {$13.00} an hour? The purpose of this message and the crust of my complaint is with Navient. There is no way that I nor my mother will ever be able to pay off Navient. And it's wrong that they gave me this money, especially for a program that I was kicked out of ( due to no fault of my own but because of politics within the program which never should have been there ). Additionally, I have so much federal student loan debt. When I filed for bankruptcy, I was told by my attorney that the judge would never approve dismissing my federal student loans or my private loans. As with my private loans, there is no way I am ever going to be able to pay that money back either. And in all honesty, I should have never been able to borrow so much money. I take responsibility for that. But, with regards to my private loans, Navient preyed on me and I then begged my mother and begged and begged her to become a cosigner on those loans. And as the good mother she is, she did what I asked her to do and I wish she never did that. I am in so much debt and have been since I graduated XXXX in XXXX - that was 21 years ago. And I was officially kicked out of the XXXX program about a decade ago. My credit will forever be weighed down because of these debts. I remember once, I was walking into the student financial aid office at XXXX- it was the first time I would ever take out loans past the time I completed my XXXX XXXX XXXX. There was a sign on the wall which showed how much money I could expect to make if I went to XXXX and completed my XXXX there. And the numbers were so high! 6 digit figures. Honest to God I saw this and thought that taking out these student loans was a no-brainer. I was young at the time and there was no doubt that I was smart enough to get my degree from that place ( at least my XXXX and I was smart enough to get my XXXX. too ) and it wouldn't be a problem getting into debt because I knew that I would be able to make enough money after graduation to pay that debt off. And whatever I needed to have my poor mother cosign for, it wouldn't affect her because I would pay off those private loans right after graduation. That sheet was a complete lie! A decade later, I ( rather my mother ) have not been able to pay much of either of those student loans back. And as far as my federal loans, none of that has ever been paid back. I will never get a house. I will never get married. Who wants to marry someone with a quarter of a XXXX dollars in debt ( before they start a family and before they even have a house )? After my mother dies, I see myself as homeless. I'm not just saying that. I'm smart enough to know how bad things are and in large part, they are bad because of these debts. But I can say that I have all of this education. And this education hasn't helped me at all. I feel really sick from all of this and I have met up with financial counselors and others who have tried to help me. But the reality is that these people allowed me to take out money under false pretenses and I don't know if there is anything you can do to help. But if you can help, please let me know. None of the above is made up or exaggerated. If anything, I didn't speak enough about how much XXXX this has caused me, my mom, and my father when he was alive. Maybe I should XXXX XXXX XXXX That's not a cry for help - don't worry XXXX XXXX XXXX XXXX XXXX XXXX But I don't see any way out of this crippling debt. No bank is going to give me a loan for a house let alone anything other than a car. All my Dad wanted during the time I was born until he died was for me to get settled. In fact, the day he died, I asked him : Dad, what would you like me to become in life? His answer was simple, XXXX, I just want you to be happy and to be settled down. Now that he has died, the burden of settling me down ( so she calls it ) rests with my Mom. But seriously, how is that possible with this amount of debt? There is no way that I will ever be able to become settled or to give my parents the one thing they always wanted for me. So sad. Please help me. XXXX XXXX XXXX XXXX ( my new telephone number- my last two numbers had become disconnected for lack of payment )
Company Response:
State: NC
Zip: 28560
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I feel very misled with the student loan information. I originally was with XXXX XXXX and then consolidated with Navient. At the time, it was presented as my only option. I think this was a very ill guided counselor who put me in this situation. It has caused unreal anxiety over the years with a sense of a never ending cycle of debt. I was quickly and easily presented the forbearance option when I called with financial concerns. I was not presented ramifications for the future. I finally was presented an income sensitive option after running about of forbearance time. Again, I feel like the counseling led to this path and I did not know it would disqualify me for my XXXX payments. No one ever told me about a qualifying payment.
Company Response:
State: MO
Zip: 65202
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: While attending the XXXX XXXX XXXX XXXX XXXX the school set up meetings for the students with a loan advisor with XXXX XXXX. The meetings happened on campus in a school provided meeting room under the guise that the loan advisor was going to help the borrower. Rather than helping me the loan advisor consolidated all of my loans which had a rate of 2.875 % into two new loans at 4.875 %. Some of my loans would also have been forgivable. When I was unable to pay XXXX XXXX they put my loans into forbearance for years and they continued to accumulate interest. I was mislead by XXXX XXXX and would like my loans reverted back to their original status.
Company Response:
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I took out a loan through XXXX XXXX for a Private Student Loan in 2007 for {$10000.00}. My loan is now at {$20000.00}. My current interest rate is 8.8 %. This loan was taken out through a XXXX College with very little retention rate. I was XXXX XXXX XXXX when this loan was taken out with the only income listed on the " income section '' of the loan application is my financial aid listed as " other income. '' My Mother co-signed my loan. She is now deceased. Things I have requested from Navient ( because it advertises these options on their webpage ) : Income-driven repayment plan XXXX XXXX I call every month and they tell me all they can do is reduce my payment from {$200.00} to {$150.00}. I'm going into debt making a {$200.00} payment a month.
Company Response:
State: KY
Zip: 425XX
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am a victim of predatory student lending practices via XXXX XXXX and Navient Solutions , LLC . I have roughly $ 26k in private student loans all through XXXX all with Navient Solutions , LLC . Due to the insurmountable debt I've acquired through these scams I've had to move a lot and lost a lot of my records of my student loan statements throughout the life of the private loans, dating from XXXX. I would like retrieve copies of these statements and records. I have asked Navient repeatedly to please provide me either with a link to these documents so that I can retrieve them digitally or have them mailed to me via paper copy, with the former being the preferable version. When I spoke to the original customer service representative on XX/XX/XXXX she told me that I should be able to see them online via the Forms link on the Navient website but when we tried it kept looping me back to the login page. She said it shouldn't be a problem to have them mailed to me and she would process the request. I asked if I could just get them emailed because that was a lot of paper, and she said that wasn't possible because the documents are set to come to me the way my statements are sent to me. I asked if I could then change the way my statements came to me so I could just have them emailed. She said yes but then I'd have to resubmit my request so I asked to move forward with the current request as is. Then I got a letter from Navient telling me that I would need to narrow my request down to 24 months with a detailed reason as to why I needed the documents. I sent an email as a response saying I was going to do neither as I felt it was my legal right to have access to my billing statements and that I would really like to just access them digitally which shouldn't cost anything. They just emailed me back today saying that the would not be able to do this, that they just sent me an account history on XX/XX/XXXX and XXXX ( I have not received either these ) and that I could access my account history online to see my payment history. This is a very limited very long list of numbers in columns that does not give accurate information and is confusing to understand. At this point I feel they are illegally withholding this information from me. As it stands I can only see my statements digitally for year back from the current date, which given the current climate and their recent settlement, seems questionable at best. Any financial firm I've done business with has held onto records I have with them until usually 3-10 years AFTER my account has closed, which is what I'm used to. The fact that I can not see these private student loan records beyond a year when I'm still paying on them is absurd. I want my records and I should be able to see them digitally. I gave a copy of ONE of the FIVE private loans I have with Navient in the Account History format they are referring to. I also uploaded the most recent statement with them refusing to send me the documents.
Company Response:
State: PA
Zip: 19438
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: NAVIENT The following PRIVATE loans were taken out to attend XXXX XXXX in XXXX Loan 1 dated XX/XX/XXXX original principal {$5800.00} Loan 2 dated XX/XX/XXXX original principal {$5200.00} Loan 3 dated XX/XX/XXXX original principal {$5200.00} The last page of each ACCOUNT HISTORY attached shows fraudulent beginning unpaid principal balances of the following and not the correct original principal balances listed above : Loan 1 {$6300.00} Loan 2 {$11000.00} Loan 3 {$11000.00} On XX/XX/XXXX Navient has a resale line item on each of these loans taking off fraudulent amounts. Loan 1 {$6300.00} Loan 2 {$6400.00} Loan 3 {$6400.00} From XXXX to XX/XX/XXXX 5 YEARS Navient was charging capitalized interest on fraudulent amounts plus on my original loan principal amount. Navient was reporting fraudulent amounts that grew to the credit bureaus creating my credit to be improperly damaged.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I have been paying my student loans since XX/XX/XXXX of {$31000.00} XXXX started paying {$250.00} and per tax notices yearly, I should have paid down about {$12000.00}, about $ 100 monthly for 10 years when in XXXX, I lost my job and they lowered by payments that I am only paying interest no principal of {$160.00} So as of today, I, per their records, I owe {$26000.00}. Per my records, I should only owe about {$19000.00}. I am XXXX XXXX XXXX and will be retiring next year and will be living on a fixed income and my payments will be going up from {$160.00} to XXXX for another 8 years in XX/XX/XXXX at my full retirement age. I want to know where my $ XXXX is? This in unacceptable that I have to take their word for what I owe. So I will have paid on my loan for 23 years. I will be XXXX when my loans are finally paid off. Can you please help see what happened when my loan was taken over by Navient? They claim I owed {$28000.00} in XX/XX/XXXX when I should have only owed {$31000.00} less the {$9000.00} principal paid for XXXX XXXX years or 90 months of $ 100 monthly for a total of {$22000.00}.
Company Response:
State: CA
Zip: 92653
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A