Date Received: 2022-03-01
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Over the past several years the interest rate has continues to even though i have made payments and have good credit, the interest rate is always fluctuating and increasing ; it never decreases. I took this loan out over 10 years ago and still have barely been able to make a dent in it. Also I have not been able to get any forbearances of deferments because they only allow so many in the entirety of the loan. I am a single mother of XXXX, I have never been able to utilize the degree that I obtain when I went to school as the economy way very bad when I graduated still. I am also on XXXX at this time and on a fixed income and the company doesn't want to willingly work with me on lowering my monthly payments so that they are affordable without the interest rate going sky high.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I thought Navient would no longer be my loan servicer, but I continued to receive correspondence from them. I called in and was told that since my loans were owned by Navient, they would continue to be my loan servicer. I asked the representative to explain what that means to me and the call was disconnected. I really dont understand what is meant by my loans being OWNED by Navient XXXX I want to know when this ownership occurred and how it impacts me.
Company Response:
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been paying on this 4k loan since XXXX, They have received over 25k in payments from this loan. I tried contacting them, but not getting clear answers of why. I had this both loans added to my XXXX bankruptcy and discharged, but they still continue to bill me and ignore the paperwork, because I work for XXXX and was going through a clearance process I had to pay them. I have been monitoring my payments even increased the payments. I notice within the past 6 month the interest payment goes up and down. The loan was taken out in XXXX for a school that longer exist XXXX XXXX XXXX. They have gotten 40k off of a 4k loan and I still owe them an additional 6K. Whenever I get momentum they move the mark by increasing the interest rate. Just seeking guidance. This may be my 3rd complaint.
Company Response:
State: FL
Zip: 33712
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Navient for the last 9 years have been providing incomplete information regarding my loan repayment. Since I have ben employed full time since graduation, Navient has enrolled me in several different programs for repayment each with different lengths and terms. The calls always go the same way, Navient called because your account balance is past due, the only reason past due is because the automatic payments I schedule were only for a certain length of time. They are always only interested in me making a payment. Never not once have all ( eligible or ineligible ) payment plans been given or explained. I'm now of age to try to become a first time homebuyer and the {$14000.00} loan has only risen over the years. So this last call from Navient, I actually took time out ( actually walked out of work ) to ask more questions. The representative acted as if me asking questions was an annoyance to her. She then told me her computer was about to shut down so she needed to call me all, ironically this was just as I began asking questions instead of just giving her payment information and re-enrolling in some program she mentioned. In that conversation, I learned that majority of these programs the agents have been suggesting then enrolling do not help/go towards my principal balance. When I asked the agent what is my regular monthly payment, she couldn't even tell me. After dancing around my question, I found out that a regularly monthly payment is actually less than I've been paying through these various programs that have been suggested by Navient representatives in the past. I think this is predatory behavior, as well as deceptive and wrong. I feel taken advantage of. Anytime I speak with a Navient representative they have ONLY ever been interested in receiving a payment and keeping my account current, NEVER providing complete, accurate and beneficial information to actually pay the loan off. I literally have anxiety and XXXX because of the constant payments being made towards my student loans, yet feeling as though I'll never be able to repay them in full. It's already XXXX to have gotten these loans to try to get a good paying job and that never happened.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
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: In both XX/XX/2022 and XX/XX/2022, along with numerous times in the last couple of years, Navient and XXXX XXXX ( a subsidiary for Navient ) has been charging interest on all my students loans throughout this COVID situation. Several 10 's of thousands of dollars. I disputed this on my credit reports and without my knowledge, authorization, permission, or my signature, they put every single one of my loans into in school forebearance. There are many problems with this : I am not in school. I did not request this. This was done without my knowledge or permission. Because of their actions this caused my credit score to drop over 150 points. I have been in an IBR for several years now, and this probably just messed all of that up, let alone any chance of public forgiveness in which I am currently try to obtain.
Company Response:
State: AZ
Zip: 85340
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I received my student loans from Navient ( formerly XXXX XXXX ) between XXXX to XXXX. I am trying to obtain records because Navient did not report to the National Student Loan Database accurate payments I've made between XX/XX/XXXX to XX/XX/XXXX. When I called Navient, they claimed that my loans been over 10 years and they don't keep histories of loans for more than 10 years. They said it's been consolidated in XX/XX/XXXX therefore, the new servicing agency should have all my payment histories. I called XXXX and they denied that claim. They sent me all my payment history from XX/XX/XXXX to XXXX which is the time frame of when I was with XXXX. The problem is, while I was making payments on both federal loans and private student loan ( which I paid off the private student loan from XXXX XXXX in XX/XX/XXXX ), there are no histories of any of that on the National Student Loan Database. Due to the PSLF Waiver program, I should have received payment credits from XX/XX/XXXX to XX/XX/XXXX since I've worked in at qualifying employer, but I have not gotten credit for any of that because Navient did NOT report my payment histories during that time frame. I can't even find my private student loan on the National Student Loans Database because it didn't report that. Navient has been scheming students and parents and now I can't qualify for the waiver because even Department of Education don't even have records of it on their Master logs because Navient have not provided records of it. When u called Navient, they simply just turned me over and told me they don't have records of my record anymore. I have a 1098 tax form that showed I've payed student loan interests in XXXX, XXXX and XXXX from XXXX XXXX. How can they not record any of my payments, but issue a 1098 form for all those years???!
Company Response:
State: CA
Zip: 91803
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been paying " XXXX XXXX XXXX '' {$9.00} per month since 2019 under the assumption my loans were being serviced by Navient and ignoring XXXX as advised who I come to find is my actual servicer. I was told this was a forgiveness program when in actuality i was under a forbearance with nelnet and due to the pandemic did not actually have any payments thankfully. I want to assure I receive what I am entitled to through the Navient settlement and report the fraud. My account states XXXX XXXX XXXX XXXX on my members 1st account. They do not respond. Thank you
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Getting a loan
Subissue:
Consumer Complaint: My loan was for XXXX there was a class action lawsuit and this loan was closed in XXXX somehow XXXX made my federal loan into a private and I have been paying since than. But theres a problem the account should have been closed or forgiven. Instead they are committing fraud making me pay, be in forebearsnce, setup auto pay than they cancel it. The account balance never changes and only increases. My credit was XXXX in XXXX I purchased a vehicle. Than XXXX reports late payments for XXXX as late payments XXXX years ago this was updated on XXXX XXXX.
Company Response:
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: All 3 credit bureaus are reporting different and inaccurate information regarding these account in the attached file. It reporting different open dates for the loans and reporting that they are 120 days late on payments which is incorrect information. With the current loan forgiveness status, all federal loans payments have been extended according to the Trump ( former ) and Biden Student Loan Forgiveness. This information should not contain these current inaccurate information.
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: My problem is with Navient, XXXX University and XXXX combined. I write this from my hospital bed after receiving days of XXXX and XXXX for my XXXX condition thats went away in XXXX and that has currently come back on XX/XX/XXXX. It is a condition and disease that can be activated by anything and be reaccuring if born with which is what it is in my case. Its a deadly condition. Since these corporations masked as educational systems and financial systems are great at requesting money for years from student like myself who didnt graduate college in there senior years of the due XXXX and XXXX recession im pretty sure they can XXXX XXXX or use the science. I attended what was my dream school XXXX University in XXXX as the first in my family to Ever go away to school. My grandmother XXXX XXXX who died in XXXX co-signed on XXXX loans for me with a retired income she of XXXX a year.. of corse I could not have achieved getting a loan on my own because I simply had no credit history but, I had every hope and dream to graduate college one day to make enough to actually pay these loans back but when the recession hit not only did my mom loose her job XXXX but, I applied for a loan .. received a fully financialy cleared letter from XXXX University, got on a plane, went to classes and alll while I know a lot of XXXX XXXX students like myself first time going away are not as educated on loans and how companies change loans .. will created aggregated loan limits on co-signers ( expecially during the recession ) but they will also more than exceed giving out loans. Nevertheless, in late XXXX after sitting in classes beyond the financial deadline period I contacted my financial aid office actually for something else and was told I needed to come into the office for something they had to communicate with me in person.. I was informed that we do not know if the funds were taken back but you will have to come up with XXXX to finish the semester I immediately began to cry because Im a junior/senior, recession hit, mom lost her job same week, and where on earth was a student getting XXXX overnight.. they then said since you were already in classes beyond the deadline period you can stay like a favor was being done.. I questioned them about the fully cleared letter and received different answers each time I cried on the floor in lobby that day for maybe 10 min straight until I saw another girl walk out said yeah its happening to a couple of us .. my roommate then hugged me and we went back to the apartment. I called XXXX and they gave me different papers with different dates saying we never sent funds, one rep said we sent and canceled because your co-signer has exceeded the limit .. One said we changed the loan due to recession.. I got different answers for years and you know no one cares about a young XXXX woman trying to graduate during a crisis.. so you can guess. I went home without a degree in XXXX, locked credits due to a owed bill while also student loans rolling in again yall do the math on the financial gap ratio and the burden placed on me with no degree to get a job to pay for both.. on my grandmothers death bed I promised her Id graduate I began working 50 hours to 60 hours to more a week in retail to try an pay XXXX ( left over bill ), rent, loans ..etc .. my grandmother on her small retired check also helped me. We gave what we had .. finally in XXXX my grandmother contacted the school and confronted them.. over night if someone goes an do the math .. a grant was added to the bill and the remainder was gone ..and my credits given.. i dont know how but this is the truth. I then slaved away working more to pay the loans on a non degree with useless credits in retail to go to XXXX college in XXXX with again my grandmother telling me she will see my graduate before she dies. During this time my health already began decreasing which if you need a record of hospitalization huh Ill gladly provide.. also I still was working crazy hours paying XXXX then Navient ( the loan buyer and trader ). Finally I received some forbarence after XXXX and Navient beautifully but me debt while enrolled in XXXX. I worked nights and weekends and paid for school in cash .. it took me until XXXX to graduate with a ba why because 1. XXXX University credits werent all recognized so I toook More classes.. even changed majors to help speed the process up and still had to start as a sophomore basically at XXXX in XXXX I was diagnosed with XXXX and hospitalized and had to take a break from school and could really work 60 hours from a hospital bed .. told that I could not stress my body .. XXXX, XXXX, XXXX. During that time I received harassing calls from XXXX yes from the hospital bed pull the old calls if you must ( recorded line ) they told me you only qualify for repayment programso yes while still getting XXXX outside of the hospital finially the same year I went back to working 50 + hours, back to school after taking a little break, paying for school at XXXX and paying that repayment program .. imagine the load on someone who can die from a trigger of stress alone but in XXXX I graduated XXXX during what was another recession while stlll stuck in retail and without my grandmother getting to see it since she died in XXXX. The loans I have been faced with for a degree from XXXX I dont have Navient XXXX XXXX XXXX XXXX XXXX XXXX. All totaling XXXX at least.. I havent owned not even a car or my own home yet or anything at XXXX living at my grandmothers and then at my moms.. once the pandemic got loans were for forbarenced brief for private loans and in that time I began looking for jobs I got a job finally all the way in florida for making 24 hourly still working so many hours ( 60 at least, ) to pay rent and Navient, and XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) without any degree from XXXX, I noticed during the holidays my health was off but I continued slaving because the XXXX of loans from a school you didnt graduate from can drive one sick regardless I was paying and getting no sleep. I then knew I didnt want to die a XXXX so I finally got a normal 40 hour a week job to get me in the door to start a real professional career at a starting pay but my health was already too far gone as I rushed to the emergency room on XX/XX/XXXX a day before my birthday while working my dream job at home.. I was XXXX XXXX XXXX XXXX.. XXXX XXXX XXXX XXXX XXXX and feeling horrible.. my XXXX came back aggressively. I dont remember the XXXX as I received XXXX XXXX XXXX after my XXXX dropped to a 4 and at that point the brain cant really function.. Ive been hospitalized twice since and sit in a bed at XXXX XXXX XXXXXXXX right now as again I type this. Ive tried my best to Graduate, to work, to pay on loans from XXXX University from a school I considered my heart and soul and attained no degree from.. I started from the bottom at XXXX got a degree.. attained a job and tried to pay XXXX XXXX XXXX and Navient and rent too the point that my lease is up XX/XX/XXXX because at XXXX I cant afford to pay student loans and rent and deal with a disease that I throat would never come back I even called to ask if I qualify for elimination and was boldly toldNo because your loans never defaulted its been truly a nightmare because they destroyed my credit I slaved to repair it and I have No degree from XXXXforced to find somewhere else to live from my hospital bed .. yet if I let them default I wont even be able to get an apartment with bad credit. The financial system knows this .. XXXX, Navient XXXX XXXXXXXX XXXX XXXXXXXX XXXX finiscial aid, XXXX XXXX XXXX are fully aware that Ive been sick, that I dont have a degree, that this occurred during the XXXX recession, that I cant even really afford to live without working 70 hours a week to pay all of them .. they actually crunch the numbers an say it but still request money from me I sit in my hospital bed and look at XXXX of debt from a school that was my dream.. I struggled from XXXX to XXXX to get a degree from a totally different school been through 2 recession and a pandemic someone please go do the investigation.. or Maybe we can all go to court from my hospital bed? At this point Ive lost so much in life as the first XXXX woman in my family to attend school away.. to think had Id graduated sooner life would have been different hat someone helped the students of the recession of XXXX or if not received a fully cleared letter without ever the truth being told about how it was even possible but yet I sit here in my hospital bed facing XXXX XXXX triggered by what was stressmaybe if someone does a real investigation the truth will be as plane as day but what I wont do again is chooses student loan bill over XXXX. I wont choose living over it. I shouldnt be paying on loans from XXXX due to a recession, financial crisis, loans taking out based on a co-signer who made XXXX a year, and being told I was fully cleared the year of the recession then magically told I wasnt past the deadline period and forced to pay a bill at XXXX until a magical grant appeared in XXXX when I didnt attend? I dont mind going to court because This alone is destroying me
Company Response:
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A