Date Received: 2022-02-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022 I have contacted XXXX, XXXX and XXXX several times about the inaccuracies on the Dept of ED/ Navient and Navient that are being reported. Also there is a problem with the days being reported late.
Company Response:
State: VA
Zip: 23607
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I was called to XXXX XXXX in XXXX, by law my loans were supposed to be deferred. I did not come off XXXX XXXX until XXXX. I was in XXXX from XXXX to XXXX XXXX law I am entitled to have a six month grace period. My payments would have started in XX/XX/XXXX. XXXX : 1 month XXXX : 2 month XXXX : 3 month XXXX : 4 month XXXX : 5 month XXXX : 6 month My first bill should have been due XXXX XXXX. Navient is refusing to honor my 6 month grace period. They stated I used my 6 months while I was on XXXX XXXX which they cant do because my loans were already deferred due to my XXXX XXXX XXXX. Navient is unable to provide the history of my loan as well so they can tell me exactly when the 6 months were used. XXXX said due to it being with another provider they are unable to provide exact dates and times to verify. Navient has placed a delinquent payment on my credit report for XX/XX/XXXX when my account was supposed to be in the 6 month grace period.
Company Response:
State: GA
Zip: 31419
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Navient withdrew 3 payments XX/XX/2022 from my checking account. I called spoke to XXXX who promised it would be corrected. They made an unauthorized loan request to consolidate loans that are not proven to belong to me. I have disputed, filed XXXX, tried to reason with discrepancy without being successful. Started paying on their website which takes money from my check account without my authorization.
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
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: I received a letter from Navient stating that if I signed up for their student loan rehabilitation program and completed it, they would REMOVE the account from my credit report. I started the program in XXXX and completed in XXXX of XXXX. The loan was sold and transferred to another servicer. XXXX. I have since been making my monthly payments. Navient did not REMOVE this account and it's still reporting with negative information. This reporting is completely inaccurate AND should no longer be there according to the student loan rehabilitation program.This is deceptive and they should remove this as promised. This is hendering my credit score.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
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: I have sent dispute letters to Department of Education/Navient . They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ), 15 U.S. 1681a ( 2 ) ( B ) and 15 U.S. 1681b ( a ) ( 2 ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the Gramm Leach Bliley Act ( 15 U.S. 1681a ( 2 ) ( A ) ( III ). VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ). Department of Education/Navient is not reporting accurate information. On my XXXX XXXX XXXX credit report, there are several dates where the data is unknown ( marked by an X ) or not reported. If the data is unknown, this is not 100 % ACCURATE! That is a violation of 15 U.S. 1681e ( b ). Department of Education/ Navient is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of 15 U.S. 1692J. Pursuant to 15 U.S. 1692K, Department of Education/Navient must comply to any provisions to make my credit report compliant.
Company Response:
State: TN
Zip: 38141
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I applied for a private loan at the age of XXXX in hopes of being able to afford university. The loan was originally disbursed through XXXX XXXX, who later changed their name to Navient XXXX. Originally this was a XXXX XXXX Smart Option Student Loan and was disbursed XX/XX/XXXX for a total of {$20000.00}. When Navient took over, the interest rate became a variable interest and has fluctuated as high as 11.625 %. My first payment with Navient occurred XX/XX/XXXX. Over the last 11, going on 12 years, Ive paid more than the original balance of the loan. When communicating with Navient, they have made it very difficult for me to obtain information. For example, when I inquired about removing my co-signer I was provided with incorrect information which prolonged the process. I believe that this was done intentionally. Additionally, when I ask for details regarding my loan such as repayment dates and explanation of interest accumulation, I am met with hesitation. I feel as though I have been a victim of predatory lending and that Navient should be under review.
Company Response:
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have tried to renew my XXXX payment. It was XXXX XXXX monthly. Now its {$650.00}. My amount I owed went from {$100000.00} to {$110000.00} in 2 months. I am frustrated and feel like I was shoved into forbearance instead of a sustainable XXXX payment. My original loan amount was {$66000.00}. I regret ever taking out loans and have been treated horribly.
Company Response:
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am attempting to consolidate my student loans and apply for loan forgiveness, however XXXX has not been given the correct information about my loans because Navient is refusing to update my account information with the XXXX ( XXXX XXXX XXXX XXXX XXXX ). XXXX has my loan amount to be approximately {$3600.00} when the actual amount over two loans is about {$12000.00}. I began reaching out to them in XXXX about this and spent many hours on the phone with them. They first told me that they were not my loan servicer ( they are ), directed me to talk to an agency about default ( I am not in default and never have been ), then they told me it was not their responsibility to update XXXX, and then they told me it was not possible for them to update XXXX, all of which is false. When I learned from XXXX customer service that it was absolutely Navient 's responsibility to update that information ( and, in fact, that they are the only entity which actually can ), I reached back out to Navient. That was in early XXXX. I have sent several communications to them, and the situation is still not resolved, even after they ( finally ) explicitly told me that they would address the problem. I don't know what else to do, and I am turning to you for help. I can not consolidate until this information is updated, which also means that every month I am potentially paying for a loan that should have already been forgiven. Please take a look at the information I am attaching,. The screenshot of my XXXX account was taken today, and thus is current as of XX/XX/2022. Thank you in advance for any support you are able to offer me.
Company Response:
State: IL
Zip: 60201
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I am a co-signer on a few student loans with my son as the primary borrower. The lender is XXXX XXXX and the loan servicer is Navient. The loans have been in deferment/forbearance since his graduation in XXXX. Interest only payments have been made when required. I received a few calls from Navient in late XX/XX/XXXX advising me that the loan payments were delinquent. The representative asked if I could pay the approximate {$1000.00} outstanding balance, a partial payment ( 1 month ) or even {$50.00} to prevent the account going into collections and affecting my credit score. Since this was the first communication regarding an arrearage, I wanted to verify this was in fact Navient and be provided a statement from them detailing the account status. Although the rep confirmed my email & physical address for identification purposes, she stated that they could not send a statement to a personal email address. I asked for a paper statement to be mailed to me instead. She then indicated that it would take 5-7 business days to receive and the account would be referred to collections by then. I have still not received any confirmation statement from them. Their website ( through XXXX XXXX ) is not very user friendly and is difficult to access. I spoke to my son shortly after that call in XXXX and he said he had not received any calls/messages from Navient over the prior 2 months as the rep had indicated. He said that he reached out to them for alternative payment options and that the account is now up to date. Despite this history, I continually receive calls from who I believe is Navient. Without recognition of the source, no messages have been left stating the identity of the caller and/or the purpose of the calls. Ive been receiving 2-3 calls a week and at inconvenient timesaround or after dinner, weekends and XXXX XXXX XXXX XXXX. The latest were yesterday ( XX/XX/XXXX ) at XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) around XXXX AM, XXXX ( XX/XX/XXXX ) around XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) at around XXXX PM. I feel these practices are harassing. If they want/need to speak with me, leave a message with the pertinent information, text/email and/or mail a paper statement to me ( theyve already confirmed having that information ). My concern is that they are documenting these calls as contacts and non-responses from the borrower. If so, will they classify the account as delinquent and send to collections? This would unnecessarily affect my outstanding credit rating negatively. Thank you for your time and assistance with this situation.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I took out a number of student loans between ( roughly ) XXXX and XXXX. ( Even though I took my loans through the dept of education I have been told they are private loans at times and federal loans by Navient ) I was paying them sporadically during that time as we suffered many hardships due to serious medical illness for each member of my family, as well as the NYS state layoffs, an illegal NYS pay reduction for me, and a company closure for my husband. I paid as I could, and more than I had to at times up until XXXX. My husband continued to pay his loans, although he owed only 8k, he paid them over 27 years because of the misinformation they provided, they had him paying interest only for years. He finally paid his balance in recent months. We are still paying parent plus loans. I had submitted a PSLF employer certification in XXXX, 7 years into my repayments I thought fell under the PSLF. I was told at that time by my servicer that I had the wrong type of loans and would have to start the ten-year loan payment period over, again, and would need to consolidate a third time even though they were already consolidated, federal and identified as direct on the website. I was also told that my loans were moved to Navient because they were forgivable under PSLF, no reason to reconsolidate again. I had consolidated these loans twice prior, as I was told to do by my servicer. The first consolidation was under XXXX XXXX where they took several loans and combined them together and raised my rate *up* to 9 %. to make it " easier '' to pay. I had to agree to the loan before being told the rate so there was nothing I could do after it was consolidates and that rate was revealed. I returned to school and was able to reconsolidate again several years later, after grad school. That loan rate was lowered to XXXX. Naturally I was reluctant to give them another shot to raise my rate to about 8 %, which they said they would do. But they stated it was the only way to get PSLF. When I agreed to do so they refused to reconsolidate, and said I was not eligible for PSLF. Given I took my loans via the dept of education like everyone else, it made no sense and I contacted Navient where I was told by a Navient representative there was a mistake, my loans were " coded incorrectly '' they were eligible but did not know how to fix this. I called many times to fix this but got nowhere. In the meanwhile, I was told to take deferments and forbearances because I could never afford my entire payment. I tried to pay ten percent of my income plus another XXXX each month in the years I paid after XXXX. I finally stopped making payments in XXXX when they said those payments did not count, my balance was still at 99k, and I realized there was no way I could pay this off in this lifetime, and I could not imagine how long I could last at my job. I was XXXX XXXX XXXX and under constant physical attacks from my patients working inpatient psych with very dangerous clients, often alone. I didnt think I could work till I was XXXX, especially since the XXXX was paying me the same wage as someone with a high school diploma, while mandating I had a XXXX XXXX XXXX, hold a professional license, pay for my own supervision, be registered and board certified in my profession, all which is very expensive. Plus, the XXXX XXXX XXXX allowed XXXX to illegally lower my pay, despite union contract, not create a career ladder for me, whilst having me meet the requirements for another profession for any opportunity to be promoted. And while doing that the Department of Education allowed XXXX agencies to work under my professional title without any of the same requirements they mandated me to have, and quite often they were paid more than me and required to do far less. Naturally I was reluctant to give them another opportunity to raise my rate, but when I agreed to do so they refused to reconsolidate my loans so I could be eligible for PSLF. I was told by a Navient representative " there was a mistake, my loans were " coded incorrectly ''. I called many times to fix this and got nowhere. I was out on workers comp a few years later after an assault by a patient at work and forced to retire two years later in XXXX. My balance has risen dramatically since ( it seems like 25 % more in five years ). I had contacted Navient on multiple occasions about the PSLF, and I was told there is nothing I can do despite being a public servant 11.4 years. I made zero-dollar payments re-certifying each year as they told me to do. After being out of work for two years I was forced to retire in XXXX. XX/XX/XXXX, I received an email that my payment term was changed to a monthly payment of zero was being raised to XXXX. XX/XX/XXXX, I recertified and a confirmation that my request was received but could not be processed. After a phone call I was told to resubmit my application which they acknowledged on XXXX XXXX. On XXXX they again said they could not process at this time. On XX/XX/XXXX they wrote me and told me my payment was XXXX A representative told me I had not recertified, so I had to start making a payment of XXXX dollars a month, they had no record of my certification even though, as I told them, it was still uploaded on their site. My income is social security and my XXXX pension. I agreed to do so. But then I received another bill for XXXX. They felt my XXXX husband ( who has no pension, but still works should contribute ). The representative understood how my husband would not be contributing to my debt and said I could pay XXXX dollars a month because I was submitting late, and they had no record of the XXXX agreement. But then I received a bill for {$800.00}. When I called again, I was told this all happened because I applied too early. I have to resubmit again, and show them proof of my income, again because I must have earned a lot more money last year and they have no record of the XXXX or XXXX agreements. I had asked for that second agreement in writing and they told me in would come via email in a day or so. It did not come. I had tried for ss XXXX, but my appeal came up during the first autumn of covid, my lawyer dropped my case for more lucrative Covid victims, and no other attorney would take my case, so I lost my appeal. I now understand with the PSLF waiver I am not eligible because I took forbearances and deferments, which seems very unfair. If I simply ignored what was due, I would be eligible for forgiveness now.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A