Date Received: 2022-02-22
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I am almost 3 months behind on the private student loans that I have kept in good standing with through interest-only payments and the payment amount was recently going up because I completed the recent 6-month program. When this happened I recently was able to get into my own housing because I was living with my parents for the past 4 years and was able to afford these payments. Since my expenses went up I was unable to afford the payments I was currently making and asked if there were any other programs to help me keep my loans current and there weren't. They kept telling me to call back later to see if anything changed and every time I called there wasn't in between these times my mom ( co-signer ) and I would get at least XXXX calls a day each because it was delinquent. Now it is about to go the collection agency and I called again and still, there is nothing they can do. I spoke with supervisor XXXX XXXX of Navient to complain about a call earlier that was made to my mom and come to find out it was he who spoke to her and was demanding her to pay and make some type of arrangement and that it was her responsibility since I was not cooperating which is not true. Every time I made a financial report with the representative my disposable income is only about {$160.00} and they are wanting me to make $ XXXX monthly payments at the least which I obviously can not afford. When I spoke to the supervisor XXXX, he immediately had an attitude and was in defense and I had to hang up because he was very argumentative. I also had reported having her number taken off of the auto-dialer alleviate the number of calls she was getting. I told him I was trying to work with them and he basically said they can not go any lower and that was it. If it wasn't for my mother as a co-signer I would let these loans go delinquent She is on social security and can not afford to help me financially.
Company Response:
State: CA
Zip: 95482
Submitted Via: Web
Date Sent: 2022-02-22
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: Trouble with how payments are being handled
Consumer Complaint: I took out a XXXXXXXX XXXX/navient loan for school in XXXX. They continuely for years pushed me towards forbearance until I was out and then struggled to keep up with payments. I then went into default about1.5 years ago and paid XXXX a month to try and come out of default but they never took me out of default. They continued to report on my credit as charge offs. Finally XX/XX/XXXX I agreed to settle. I asked for more time until XXXX, they said no and then I would owe the full balance. I had to borrow money to pay the loan. They then still continued for 2 months until XX/XX/XXXX to report as charge offs. XX/XX/XXXX is the date of the class action lawsuit that I am apart of and eligible for loan forgiveness of to when I would be refund as well. They pushed me to pay so I would not receive a refund of the forgiven debt. I now do not have access to my online navient account and when I call the number it doesn't work
Company Response:
State: PA
Zip: 19320
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: 2022-02-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The company Navient has been illegally attempting to collect payments from me since XXXX 2022. I have reached out several times reminding them that the current laws according to the XXXX XXXX state that there is a pause on XXXX XXXX XXXX until XX/XX/2022. They are now threatening me with defaulting on the loans. They have made it impossible to communicate via email, or customer service to speak with anyone who can correct this illegal attempt of coercion. I am fully aware that this company is involved with several class-action suits because of their repeated illegal tactics, misinformation, and harrassment. I want them to repeal all monies and interest rates immediately.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I have contacted Navient on multiple occasions about lowering my payments because I can not afford to live. They refuse to work with me and tell me there is nothing they can do. Payments in excess of {$800.00} a month to them is acceptable for a single woman making less than 50K a year, 23 % of my gross monthly income. I cant afford groceries or anything else in my life and they just do not care. They offer me forbearance so they can rack up more interest at 8.5 %. They are the worst, most unfriendly and unhelpful company I have ever worked with in my life. They do not care about their customers and do absolutely nothing to try and help them.
Company Response:
State: CO
Zip: 80005
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX Balance : {$12000.00} Please be advised you are in direct violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( e ) ( ii ) I have contacted and reached out to your company to no avail. This loan has completed the rehabilitation process DELETE this account now from all consumer reports
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient notified me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that my payments would be increasing. The emails directed me : " How to apply now Apply online : Visit StudentAid.gov to get started-it 's the easiest and fastest way to apply. Apply by fax or mail : Visit Navient.com and download an Income-Driven Repayment ( IDR ) application, or give us a call at XXXX and our automated voice response system can send XXXX to you. Then, return the completed form and supporting documentation to us by fax or mail. Fax : XXXX Mail : Navient, XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX Visiting the studentaid website on XX/XX/XXXX and even today XX/XX/XXXX I receive the message " Our records indicate that you are not due to recertify your income until XX/XX/XXXX. If this date has not hit yet, and you select this option, your servicer will not re-calculate your payment based on your updated information until XX/XX/XXXX. If you want your payment to be immediately recalculated, select the third option to have your payment recalculated immediately for the income-driven plan you are currently enrolled in. '' After a phone conversation with Navient, I was informed that they do not take any responsibility for the information present on studentaid, despite the fact that they directed me there as an option to recertify. The communications from Navient did not notify me that there may be an issue with recertification via studenaid. I am frustrated that Navient continues its pattern of directing me into forbearance. In order to recertify with Navient, I needed to put my now " past due '' accounts in forbearance while they process the recertification.
Company Response:
State: CA
Zip: 90249
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Navent want to collect and pay for a debt included in a settlement. The loan was originally taking out in California and Payments was made in Texas and Florida. The loan discharge in Florida. I don't know what address they have on file because it change with permission. According to the settlement : Certain private loan borrowers will receive a notice from Navient that their qualifying private loan has been cancelled, and that the credit bureaus will be alerted to remove the loans tradeline. ( A tradeline is information about a consumer account that is sent to credit bureaus. Tradelines contain data such as the account balance, payment history, and the status of the account, g., current, past due, or charged-off ). My loan was issue in 2006. I want to know if I qualify?
Company Response:
State: FL
Zip: 32839
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: I attended XXXX XXXX XXXX from XXXX to XXXX and earned XXXX XXXX in XXXX XXXX XXXX XXXX and attended again from XXXX to XXXX and earned XXXX XXXX in XXXX XXXX XXXX XXXX. I was promised a job placement during both orientation by the XXXX representative. I never received any assistance from the XXXX XXXX representative about the job placement after graduation.
Company Response:
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: In XXXX, Navient became the servicer of my student loans which originated through XXXX XXXX. I had taken out around {$25000.00} worth of student loans while working full time and going to school on a part time basis. This was the original principal amount. Up to today, XXXX, I continue to have issues paying what should have been a reasonable debt ( approximately XXXX ) has now turned into {$90000.00}, and will take approximately 25 years to pay off. These monies owed will no doubt go into my retirement years, when the company, now through XXXX ( the latest entity to make itself the guarantor of this loan ) will have the full ability to garnish social security benefits or monies from retirement accounts, and I will have nothing left. Since XXXX, this principal amount continued to become larger and all attempts to work with Navient failed. When I asked for a reasonable monthly payment, I was told that I did not qualify. The only options were forbearance but it was never explained to me exactly how that would affect my monthly payments in the future. All communications were confusing and payment amounts would constantly change. By XXXX, I was put into default with XXXX XXXX XXXX XXXX ( XXXX ), now the guarantor. According to records provided to me by XXXX, I have paid {$17000.00} to Navient, none of which I received credit for. Navient has also put me in forbearance for a total of XXXX months. I was put on a rehabilitation program through XXXX and the loan is now out of default status but I was informed that the loan would be serviced again by Navient, which greatly upset me because I feel that a loan from XXXX should never had 15 years pass. I believe greatly that Navient only offered forbearance in order to compound my interest and to elongate the time of the loan. I was told by XXXX, and never by Navient, for example that interest is calculated on a daily basis. I only found this out in my dealings with XXXX. The new loan under Navient, which is due to commence in XX/XX/XXXX, with interest, will total {$90000.00}. Because of my past dealings with this servicer, on XX/XX/XXXX, I called XXXX to request that a representative from XXXX ( XXXX XXXX ) please assist me with talking to Navient about perhaps a different repayment plan. We spoke to Navient employee ID # XXXX ( she would not provide her name ) and she told me there were no options available but a loan consolidation was discussed. She said I could apply for a loan consolidation that could be managed by the Department of Education ( and removed from Navient ). She indicated she would email the paperwork to me and we confirmed my email address. I asked the representative at XXXX if she felt this was a proper course of action and she agreed. To date, the Navient representative has not sent me any paperwork. I logged onto my XXXX website ( which Navient recommends in their communication as a resource ) and spoke with a DOE customer service rep named XXXX XXXX XX/XX/XXXX, who told me my loans are already consolidated so I can not do another loan consolidation. Why could the Navient representative, who has full access to my account, not have informed me of this so as not to waste my time or hope? This is the pattern of behavior from Navient that I have sustained for XXXX years. This debt was woefully mismanaged by Navient, and their practices of misleading borrowers has even continued up to XX/XX/XXXX. For over 15 years, I had attempted to pay these loans off, sending monies when I could. I was never offered the chance to at least pay off the interest during forbearance, or repay as you earn, or any of the other options now offered through the XXXX XXXX website. Over the years I have been harassed by phone calls, of which I reported to the better business bureau, and communications by lawyers, all of which would sending various payment amounts due. I have years of paperwork that I saved that provides proof of the bullying tactics Navient employs.
Company Response:
State: CA
Zip: 94534
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2022, 39 State XXXX 's announced a settlement with Navient. Navient is required to pay out billions to borrowers. One of these XXXX 's is NC XXXX XXXX XXXX. I have been trying for the past year to make Navient understand that I am retired and on a limited income and no longer can afford anything for pay back. Since it has been 20 years and XXXX months since the inception of this loan, I have been requesting Loan forgiveness. Navient gives me alternatives which require payments for another XXXX years. They continued to telephone me even though I asked them to use the XXXX for communication. The FSA site says I don't have any payments to make until XXXX, 2022, but I continue to getr threatening bills from them as recent as XX/XX/2022. On the same day, XX/XX/2022, I received a cutesy letter from XXXX with a new account number, trying to get me to pay them.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A