Date Received: 2022-01-19
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: it isn't about loan payments, well it is. I have a private loan from XXXX with Navient for the past 10 years. the total amount was {$3200.00} to start, i currerntly owe {$2200.00}. I have paid {$10000.00} on the loan so far. i have this in writing from them. they said they have mailed out a hard copy to show me how much interest i've paid. seriously? I have paid {$9700.00} in interest and still owe {$2200.00} on a {$3200.00} loan? i also made a one time payment of {$1000.00} at once and i still owe {$2200.00}. what does this make my interest? how can they get away with this? this is worse than a check cashing companies interest rate or buy here pay here place. i filed bankruptcy and wasn't allowed to file on this per my attorney even though it was a private loan. I WILL DIE B4 THIS LOAN IS PAID OFF, I NEED HELP.
Company Response:
State: IN
Zip: 467XX
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My student loans ( undergraduate and graduate ) have always been paid on time. They were most recently held by Navient. Because I have made timely payments, I was sent an offer by Navient and NaviRefi to have my loans consolidated into one payment with an interest rate offer of 3.25 %. In late XXXX, 2021 I called Navient and submitted the paperwork to accept this offer. I was not made clearly aware that NaviRefi was a private company and my loans would go from government-held loans to now private loans. NaviRefi is owned by Navient, they are on all of the same logos as Navient and in my mind, there was not a clear indicator that they were in a position where they would change from government held to private loans. This information was hidden in the fine print and also hidden in the fine print was that I would no longer be eligible for public service loan forgiveness now that they are privately held. I am a School Counselor and public service worker and have been during the past 10 years of my career. My salary is minimal and being eligible for loan forgiveness would greatly improve my financial position. I feel that Navient/NaviRefi were not forthcoming with this information at all. I called and shared this situation with them to see if we could reach some sort of arrangement, and they refuse.
Company Response:
State: OH
Zip: 44116
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My information on my loans are not accurate. Now they are telling me I have three loans in default. They are trying to make me pay for a loan already being handled by a servicer. I am being taken advantage of and fraudulent tactics are being done to my loans which I paid nearly all down. Now they are constantly sending my loans to default so they can capitalize on my loans by continue splitting my loans and resale my loan to different collections agency. My loans were with Sallie Mae and Navient they contracted my loans out collections agency and reporting inaccurate information.
Company Response:
State: LA
Zip: 70403
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I was recently granted a temporary forbearance. My payment plan will change to standard repayment instead of the Income Based Repayment plan because of my forbearance. This changes the amount of the monthly payment due drastically. I was able to make my XXXX 2022 IBR payment of {$200.00} early. I asked Navient to apply my last payment be applied towards my XXXX 2022 monthly payment. My request was denied because it did not meet the monthly payment minimum. ( because they changed the payment plan ) I get nowhere when I try to call them. Their representatives do not want to or are unable to understand my situation. I am so tired of spending time fighting with Navient and constantly explaining what should be very a understandable and clear situation.
Company Response:
State: MI
Zip: 49505
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I was hoping to be included in the recent Navient lawsuit because of predatory loans pushed on me while I attended art school. Unfortunately it seems as though they are only including certain art schools in the particular lawsuit. For many years I was in default or forbearance and couldn't afford Sallie Mae 's outrageous monthly payments but I was told my only options were different forbearance programs instead of income based. Due to that, even with me struggling to make the full monthly payments for years now, my owed amount is still greater than what I originally borrowed. I am 15 years into a 30 year loan and my payments haven't even paid any principle balance off. I fall into every category for the settlement except the exact school on the list of art academies. I was bullied into making the full payment amount on the premise that I could remove a co-signer from my loans but the after the 1XXXX consistent full payments were made and I tried proceeding with a co-signer release they told me I didn't qualify because I never completed my course of study. They took me off of my reduced payment plan knowing my intentions of trying to release my co-signer and never mentioned that requirement until I tried to process it.
Company Response:
State: IN
Zip: 46368
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Here is a brief history about my student loan. I was admitted to XXXX University 's XXXX school to pursue an XXXX XXXX in XX/XX/XXXX. At that time, I had a well-paying job, and my employer ( XXXX XXXX ) promised to pay part of my tuition based on my employment. When I was graduating in XX/XX/XXXX, first, I lost my job, and then due to the financial crisis of XXXX, it took me more than 18 months to find a job. During this time, Navient continued to accrue interest while putting me on extended forbearance. I had two loans with Navient, and family friends cosigned both loans. One of my cosigners filed for bankruptcy protection in XXXX. My second loan was paid off by my cosigner in XXXX. Since XXXX, I have been in and out of jobs, and Navient continues to accrue interest on my student loan without offering me any other solutions, things as ; Income-Driven Repayments ( IDR ) and Unemployment Deferment. Not only have I been harassed by your company 's predatory practices, but also my loan has ballooned to $ XXXX. I lost my job due to COVID-19 in XX/XX/XXXX and unable to find anything since then. I started XXXX for XXXX and XXXX and making about {$2000.00} a month. I filed for the Supplemental Nutrition Assistance Program with the State of Texas and currently receive $ XXXX. Additionally, my cosigner had consistently been harassed by having more than six robocalls phone calls as early as XXXX XXXX and as late as XXXX XXXX, and he has received 26 emails about my loan forbearance since XX/XX/XXXX. My cosigner and I have recently ( Friday, XX/XX/XXXX ) spoke to one of the case managers ( XXXX XXXX XXXX XXXX and were told that we would receive all the details about the status. However, my consigner and I have not received anything from XXXX XXXX as she promised. This is consistent with all the deceptive practices and repeated lies Navient has used against me. Whenever I was in financial difficulty, and I reached out for some relief, the Navient staff, rather than offering me some genuine relief ( like IDR or other means ) they forcefully pushed me in accepting their standard predatory forbearance action ways for an extended period for the original loan amount ballooned to 150 %. My last forbearance expired XX/XX/XXXX. Since then, Navient office has brutally harassed my consigner and me via robocalls. My consigner 's harassment reached the point that Navient office located his XXXX mother ( XXXX years old ) who resides in Texas and demanded that she make a payment in the amount of {$1200.00}. This predatory practice is not just immoral but criminal. As you may know, there has been a case XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX ( XXXX. XXXX XX/XX/XXXX ), in Navient was ordered to compensate {$500.00} per robocall in this case. On XX/XX/XXXX, Navient reported the consigner and me to the credit bureau. This action has resulted in my and the cosigner 's credit score docking at least XXXX points. Furthermore, during our discussion with XXXX XXXX, she clearly stated that my account would be given to the collection agency likewise harm me and my cosigner. This docking my credit score has denied me a job offer at XXXX XXXX bank near me. My student loan originated in XXXX XXXX, California, and Navient Corporation has recently settled a lawsuit with 39 States, including California. XXXX XXXX, I do not wish anybody to go through what I have been going through right now in particular and for the last few years in general. I am asking for some human and financial relief from Navient immediately. If you don't respond to my needs, then you will force me, and my cosigner leave no choice but to seek relief under the lawsuit settlement passed against you and your company by 39 States Attorney Generals. I would like to humbly request your office to please provide some permanent relief as at the age of XXXX, I am starting to lose faith in the job market, and with current economic conditions, it will be tough for me a find suitable employment in a very near future. Also, I need to release my consigner from my loan. As a first, I wanted to make sure that this is not going to send to a collection agency along with credit reporting agencies. I look forward to hearing from your office. Please do not hesitate to contact me with any questions you may have in the meantime.
Company Response:
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Back in XX/XX/2009 I had legal matter that I took care of back in XXXX and now 12 years later the XXXX court is saying I have a debt of {$920.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Yes : I will call Navient again, but right now Federal Student Loans are on a pause. I began the process of beginning repayment since they were to have begun again at XXXX 's end and I'm being told that I'd have to specifically request forebearance and it would need be approved, which seems unfair ; I have another servicer who automatically implemented the executive order, but Navient has been really aggressive. I'm sure I'm not the only debtor experiencing this and have contacted my representative. I'm happy to provide more details, but thus seems really unfair under the circumstances.
Company Response:
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have had many problems with this company and when I try and talk to them to resolve or help me they cant or dont want to try. I called them today XX/XX/2022 to try and resolve some late marks they have put on my credit when my account should have been in forbearance. They were no help. They told me to write the company with my complaint. I have had many issues with the way they managed my account. They charge me a {$50.00} charge when I need a hardship forbearance and they pick when they want to put it into a national disaster forbearance. They have put it into a fire disaster forbearance before and when I expect them to do it again they dont. When I talked to the lady about that today XX/XX/2022, she said I have to call to get it out in a disaster forbearance and then they charge another {$50.00}. They are very confusing and not helpful at all. The way things are ran there are very unfair and they dont explain. If the account is in forbearance they shouldnt be giving me late marks on my credit. Its seems like they just do as they want with no care to the consumer and Im know Im not the only one going through this.
Company Response:
State: CA
Zip: 959XX
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This is second time that Navient has made error on withdrawing funds from my checking account. BOTH situations have been corrected, however I want it on the record about the errors that Navient has made. XX/XX/XXXX @ XXXX AM - I called Navient to withdraw an additional {$810.00} to be applied to the principal on XX/XX/XXXX along with my regular {$300.00} payment. XX/XX/XXXX - {$810.00} payment was NOT applied UNTILL I CALL TODAY @ XXXX AM XX/XX/XXXX - Navient withdrawal {$500.00} ONE DAY PRIOR to Scheduled agreed upon day of XXXX XXXX. No overdrafts occurred but Navient employees need better training at bare minimum.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A