Date Received: 2021-12-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX there was a moratorium placed on freeze on student loan activity by the Trump Administration that was extended to XXXX and now XXXX by Biden administration. I received a letter unknowing from Navient in XXXX informing me i was behind on my student loan as my income was revaluated. I made Back payments and payments forward from XX/XX/XXXX till XX/XX/XXXX. It was money I did not have as pandemic closed the place I worked for. Only after resubmitting paperwork to show this was my payment re evaluated again. I went in the Hospital in XXXX for XXXX XXXX due to XXXX so our finances are in shambles. Upon learning about I did not have to make payments during this freeze i was informed I was eligible for a refund of those payments as they are Federally backed loan as Navient is and never have been a funder for my loan but only a assigner of it. Spoke to a Department of Education Representative who informed me that I was eligible that i would have to call provider to make request. On XX/XX/XXXX I made the call at XXXX and spoke to a CSR who informed me that I was not eligible because Navient funded my loans which is not true they were only assigned my loans from Department of ED and Navient continues to feed misinformation to its customers as I have had a lengthy issue with them to trying to lead me to forbearance instead of income driven payments to moving your dates around or somehow losing my paperwork during reupping each year. I am not working due to my condition and i feel those payments that I should not have made due to the blanket law that was passed with the exception to private loans should be refunded to me which was from XX/XX/XXXX to XX/XX/XXXX. They are federally backed loan and not private as I have never did business with Navient just had them set upon me by the interworking 's of the Government process.
Company Response:
State: PA
Zip: 17055
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navient pulled my student loans out of deferrment. Sent me a letter stating i was 90 days late and they had reported it to the credit bureau. I contacted navient and told them my loans were fedral loans and that per the President of the United States i shouldn't be making payments. I was told the loan was a commercial loan and didnt qualify for that. I have never had a commercial loan EVER with a student loan because i didnt have the credit or capacity to do anything other than federal grants and aids. I explained that my loans went into default and i went through the process of making payments a few years ago to get them back in good standing, and that recently i started trying to pay interest only payments while in deferrment but nothing else happened on the loans. No one would tell me why my loans were switched to a commercial loan only that they were. I paid my loans all " current '' XX/XX/2021 with a {$410.00} payment and {$140.00} XX/XX/2021 and when i pulled my credit today XX/XX/2021 navient is reporting i am 2 months 90 days past due. They are lying and moving loans around to put me in default, please please help me.
Company Response:
State: CA
Zip: 92113
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Dear Sir or Madam, 1. NAVIENT Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with NAVIENT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
Company Response:
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The company is reporting negatively on my credit report. The company didn't fully disclose information about this alleged debt upon signing which makes the contract null and void. I want the items removed off my credit report. I do not give my consent to this company to report on my credit report. I have a right to privacy.
Company Response:
State: AR
Zip: 72764
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient is handling my student loans that I obtained while attending the XXXX XXXX XXXX. The school is no longer in business and I am still repaying the loans. Years later, I transferred my credits and attended the XXXX XXXX XXXX. XXXX is handling those loans, but they are currently on hold due to Biden 's direction. My issue is Navient is showing my loans are being repaid to XXXX XXXX XXXX and not to the XXXX XXXX XXXX. I have requested clarification but get no response. I fear that my payments are not being directed properly. I owe XXXX $ XXXX and I only owe XXXX {$1500.00}. So there is a big issue if this is not being handled properly.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Graduated XX/XX/XXXX from XXXX University with XXXX XXXX XXXX XXXX Began repayment after graduation and have paid every month without missing. Worked at non-profit from XXXX thru XXXX In XX/XX/XXXX applied for loan forgiveness after working in non profit for 10+ years when the program was first available. Had sent employment certifications multiple times, with acknowledgement of receipt. Shortly after submitting all employment verification I received a short letter that I was not eligible due to the wrong type of government loans. Upon calling Navient to follow up I was told that I could start over with the count if I changed my loan. I spoke with a representative that I had been paying 14 years and another 10 would put me at the end of my loan. Navient offered no solution, no help through the process. I was never informed it was a non-qualifying loan. XX/XX/XXXX @ XXXX I called Navient at XXXX and Spoke with XXXX XXXX I let her know with the waiver, I would be reapplying for the PSLF. I requested a refund for the payment amounts due to COVID forbearance eligibility. She affirmed I could request a refund and even stated the date would be from XXXX XXXX. She told me this was due to the disaster forbearance and calculated the amount from XX/XX/XXXX to present to be {$6100.00}. She confirmed my address. She then went on to tell me immediately upon the refund Navient would be reporting the account as delinquent and since it was for the given timeframe it would immediately be report to the credit bureaus for being greater than 90 days delinquent and would have a 6 % fee for delinquency of about {$500.00} which would be due immediately. For the fear that Navient insured, I held off on getting my refund for payments. My loans have been transferred to federal loans with a consolidation date of XX/XX/XXXX. My PSLF application was acknowledged as received XX/XX/XXXX. I am currently awaiting a loan count ( which should be around XXXX with the waiver ; XXXX over the XXXX due ) and forgiveness. With fear of doing something wrong again or missing a step I have followed up with XXXX XXXX and with legal counsel. XXXX XXXX rep told me I was misinformed by Navient and owed a refund- that I never should have been told that due to the disaster forbearance. I, like many borrowers, have been very misled and misinformed by Navient. I have tried to follow processes but offered no help and blatantly lied to. I am requesting a refund of overpayment on loans as I completed my 120 payments in XX/XX/XXXX and worked with two qualifying employers. Thank you for your time and consideration.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have been blocked obviously from the bureaus for frivolous disputing after disputing items over and over they block you from disputing that item. So now I have to dispute through the CFPB and the FTC. I know my consumer protection rights I am 20 hours away from my XXXX degree at XXXX I cant wait to pass the bar. I recently received a copy of my credit report and I noticed XXXX, XXXX, and XXXX furnishing accounts on my consumer report that should not be on there. I have directly requested Debt Validation and Proof of Claim documents no response from XXXX. Congress clearly states that they are in violation. I am reciting the law as it is written, since they meaning bureaus and XXXX want to ignore me I will start filing lawsuits for every violation because if Im wrong then congress is wrong. ( I demand the below accounts be deleted from my consumer report. XXXX {$80000.00} XXXX XXXX {$13000.00} The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act . [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of XXXX XXXX similar device ; Read the law I did not make this up. So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand these accounts be VERIFIED and VALIDATED to the last cent or deleted from from my consumer report. Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which. I Will be seeking {$1000.00} per violation for. Defamation of Character Negligent Enablement of Identity Fraud Fair Debt Collections Practice Act 15 USC ( 1681 ) violations Fair Credit Reporting Act 15 U.S. Code 1681n - Civil liability for willful noncompliance. Best Regards, XXXX XXXX XXXX XX/XX/1966 XXXX
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Iowa XXXX Re : Navient Student Loan for XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to you about Navients treatment and actions towards me regarding my sons student loan ( XXXX ). My son, XXXX XXXX XXXX, applied for a student loan from Navient several years ago. As part of the loan application, I gave my permission to be listed as a contact. Today, this agreeing to be a contact for the student loan application has turned into a barrage of phone calls from Navient who now claims I am a cosigner of my sons student loan ( XXXX ). Over the period XX/XX/XXXX to present, I and my husband have had numerous discussions with Navient regarding my sons student loan. While I have disputed with Navient that I cosigned his student loan, Navient repeatedly states I am a cosigner. I am not a cosigner ; I am a point of contact. I have also requested that Navient provide me a copy of the documentation that I signed as a cosigner. To date, Navient has not provided this requested documentation. Since XX/XX/XXXX, Navient has called me numerous times. In the beginning ( XXXX and XX/XX/XXXX ), the calls were to obtain information on how to contact my son as he was apparently delinquent on paying his loan ( XXXX ). During these calls, Navient informed me I was listed as a contact on the loan paperwork. After numerous times of telling Navient not to call us anymore, the calls ceased. We received no calls after XX/XX/XXXX though the end of XXXX and, no calls at all in XXXX. On XX/XX/XXXX, Navient started calling again. On XX/XX/XXXX, Navient called while I was out. My husband answered the call and asked what the purpose of the call was. Navient informed him that my name was listed on the loan application as a cosigner. Upon my return home this day, I called Navient back. Navient also informed me that I was a cosigner on the loan application. I informed Navient I was listed as a contact but did not cosign for the student loan. Navient disputed I was a contact and repeatedly stated I was a cosigner. As such, I requested that Navient send me copy ( ies ) of the paperwork with my signature on it that showed I was a cosigner of this ( these ) loan ( s ). Navient agreed to send this documentation to me. To date, I have not received any such documentation from Navient, or anyone else. I received no further calls from Navient until XX/XX/XXXX. Navient called while I was out on this day and my husband answered. He told them I was out. When Navient told my husband the call was being recorded, my husband stated he did not give his permission for the call to be recorded. The gentleman said okay and would call back on a non-recording line. Navient did call back and the lady spoke with my husband. After much debate on the legitimacy of me being a contact person versus a cosigner, the lady told my husband this was going to collections! and hung up. We received no further calls from Navient until XX/XX/XXXX. Over the period of XX/XX/XXXX through XX/XX/XXXX, Navient called at east 35 times. Most these calls were from phone number XXXX in XXXX, NY. This is phone number is actually for Pioneer Credit Recovery, a Navient Company that does debt collection. From XX/XX/XXXX until XXXX of XXXX, we received no calls from Navient or any of its affiliates. Attachment A is a log of Navients calls for the XXXX to present time period. For the most part, the call log provides the date, time, and context of the call ( if we answered the call ). Over the past several months of XXXX, Navient has resumed calling us again. As I have not received any documentation from Navient of me cosigning for the student loan ( s ), I have not spoken with them. Our phone number is now our business phone number. We changed it to our business number in XX/XX/XXXX for our e-commerce business. My husband has answered each of these call with our business name. Each time he told Navient that this was a business and to stop calling but, they did not. Each time they have called since XXXX, we have told them this is our business number and not to call us at this number. They did not heed our requests. There are several other factors I believe why Navient is claiming I am a cosigner but actually, I am not. The Federal Debt Practices Act requires that Navient provide within 5 days of its first communications with me, a written debt validation notice. Since the first communication with me was by phone in XX/XX/XXXX, and Navient did no provide written debt validation to me, I have not answered their calls. Navients initial calls in XXXX / XX/XX/XXXX had a stated purpose of wanting to know how they could contact my son. None of those discussions mentioned I was a cosigner of the loan application. So now, Navient is stating I am a cosigner as a means to force me to pay the loan ( s ). Navient sent me a Final Notice letter that I received XX/XX/XXXX ( Attachment B ). In the letter, it states the amount to bring my account up to date is {$2300.00}. It does not state what the remaining balance is or anything other that what I just stated. o Also, in the Final Notice letter from Navient to me there are four ( 4 ) loans identified at the left side, bottom of the front page. I only agreed to be a point of contact for one ( 1 ) loan, not four ( 4 ). Has Navient tied me to all four ( 4 ) loans to come up with the total they claim I owe? It is not clear. I do not know what Navient has done with regards to my sons payments. I have no clue as to the status of this ; initial loan ( s ) amount, payments applied, basically nothing. So, how do I know what amount would be owed if I am liable? In XX/XX/XXXX Navient announced it was exiting the student loan market at end of XXXX. Is Navient trying to boost their bottom line by collecting outstanding debt before the transfer of student loans to another company? On XX/XX/XXXX, I sent Navient a letter disputing their claim that I am a cosigner of this loan. I also requested that they cease and desist from further contacting me on this matter. See Attachment C. In summary, I am at the end of my capabilities to resolve this matter with Navient and need some assistance. Regards, _______________________________ ____________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Navient XX/XX/XXXX through present B. Final Notice letter from Navient dated XX/XX/XXXX XXXX XX/XX/XXXX dated Letter to Navient from XXXX XXXX XXXX disputing Navients claim
Company Response:
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Navient allegedly transferred my student loan ( Account # XXXX ) to XXXX. A payment is due XX/XX/2022. However, XXXX has not contacted me in anyway. XXXX and Navient refuse to submit a bill for the XX/XX/2022 payment. Therefore, since Navient and XXXX can't get their act together, I hereby exercise my right to the Biden-Harris Administration Student Loan Pause through XX/XX/2022.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Hello, My loan is serviced by Navient, it is federal Stafford subsidized loans which according to department of student aid and my local senator 's in congress are supposed to be paused under Biden 's student aid pauses for loans. Navient has ignored this completely and harassed me for the last few months. I know multiple people who went to same school and have identical loans with Navient as I do that are on pause and have had no issues. They are both Stafford Subsidized loans. Every person I've talked to that has a Stafford loan is paused. All my other loans are paused as well. Secondly I have a valid IDR that I gave them prior to the pause extension with paystubs that would put me at {$0.00} but once the pause was extended they magically lost this. They are now harassing me and threatening to report me to credit bureaus. I just lost my mother to XXXX on XX/XX/XXXX this year, I lost my job, I'm literally holding on by a thread and credit is something that's helping me keep my head above water for bills and rent. If they send that they'll essentially be forcing me out of my home and to be homeless. Navient didn't even care when I informed them of my mother 's passing and my IDR. They are predatory and would rather get paid {$200.00} even if it cost a person their living situation.
Company Response:
State: OR
Zip: 97224
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A