Date Received: 2021-12-24
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Their services uncarefully looked into, failed to understand and/or misconstrued the discrepancy matter as brought forward to them, as acknowledged by their services ( place see attachments ) reply. Realize that Navient is trying to perhaps do their best under the circumstances, even being overwhelmed with the many others facing similar issues, that is well understood, however I am only one ( of many ) as an individual who is having this serious problem-issue for far too long, and have made prior complaints regarding this matter in the past as well. I have had this unfortunately financially crippling, serious problem-issue with these student loans especially ever since the first consolidation, of which have made the owed amount worse and, as of this writing is continuing to increasingly get worse, with no complete care of giving a reliable and accurate assistance from their services ( or, for that matter, whoever else ) whatsoever. Also, have contacted one of two US Senators, with one of them who gave ( please see attachments ) their caring in terms of a citizen-assisting reply. I am bewildered, Disappointed and abandoned to consider the nature of the former as a serious SOS situation! Please do contact should there be any questions, clarifications needed etc., thank you kindly for your services in the handling of this complaint. P.S. : Have also submitted a complaint to the XXXX, of which is in progress though at this time w/o a resolution etc., thank you kindly for noting!
Company Response:
State: AZ
Zip: 85209
Submitted Via: Web
Date Sent: 2021-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: During Covid I was incarcerated at XXXX XXXX XXXX. My student loan is on an income based repayment plan with the monthly payment amount set at {$0.00}. In XX/XX/XXXX, Navient increased my monthly payments automatically for failure to recertify my income based repayment plan. While this was occurring, I was on a Covid lockdown in XXXX due to a mass outbreak of Covid infections. I was unable to receive communications from Navient. The student aid.gov website advises that recertification deadlines have been extended. Navient is reporting me late on 6 different accounts for the months of XXXX, XXXX and XXXX XXXX. This has devastated my credit score by XXXX points. In XX/XX/XXXX, the lockdown ended and I was able to recertify my income based repayment plan. My monthly amount due is set at the same {$0.00} payment, However Navient is reporting me 120 days late on {$0.00}. I have contacted the company many times and disputed this with the reporting agency. Navient insists it is accurate and is unwilling to correct the mistake.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the DPT ED/NAVI account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. ( DPT ED/NAVI XXXX )
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XX/XX/XXXX I contacted the Department of Education looking for loan documentation on XXXX Educational services/XXXX XXXX i was given the number to Navient. I have had several complaints to the CFPB. The last complaint I was sent loan document issued from XXXX educational services I believe XX/XX/XXXX I asked for proof of disbursement in the complaint that were not sent. Through Navient I was sent to XXXX another one of Navient 's companies. XXXX sent documentation of an investigation done by the ombudsman with the Department of Education indicating a transaction history of 1. a reimbursement by the Department XX/XX/XXXX, XXXX.and that would include disbursements ( canceled checks ) in proof tht loans existed. When I spoke with Navient in XX/XX/XXXX they said that I did not have federal loans I had private. Spoke with the private loan department and XXXX XXXX loans were on their system. So why is Navient looking at the NSLDS which are federal loans data system with those loans as private on their system.and why haven't they corrected the issue. I have two loans that were with National Education now with Navient why Navient? Because Navient services XXXX XXXX? XXXXXXXX XXXX loans. Now I asked for a total and permanent disability discharge that was processed through MInnesota life claims department I don't believe those loans are even owed they were canceled same as XXXX XXXX. Please note the corresposndence by XXXX ( Navient )
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To : Navient Customer Care Department Case # : XXXX The nature of this corresondence is to inform Navient of errors and greivances that has caused me severe hardship on my consumer report, i'm speaking of the Closed Navient accounts. Now I had Navient customer care department perform a reinvestigation spear-headed by the CFPB in regards to four bank statements that I made between XXXX. The results of the investigation was that they couldn't verify my payments without contacting my bank. And i'm going to show you that in accordance with cosumer law I am not obligated to disclose my personal banking information. You furnished a letter ( attached to this document ) in which you were not able to verify my payments after your reinvestigation, and because you couldn't verify the payments the reinvestigation was considered incomplete. You must delete the accounts or put in a delete account request to XXXX and XXXX because you are the furnisher, otherwise you have violated a consumer law which I will show you down below. This will be a notorized document and this will be the final notice to request These Closed Navient accounts ( 5 with XXXX and 2 with XXXX ) to be DELETED from the consumer file. If these accounts are not DELETED a lawsuite will be filed against you.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I took out a private student loan in XXXX. I ended up taking some time off from school, my 6 month grace period ended, and I began making payments. I then decided to go back to school. Even as the school semester started, I was still constantly receiving phone calls and emails that I needed to make a payment on my student loan. I called Navient and explained that I was in school, I should be in deferment and a payment should not be required. The Navient representative told me that they did not have records of my enrollment and I needed to make a payment before the due date in a few days or a missed payment would be reflected on my credit report. I didnt really have the money, but I barely managed to scrape it together to make the payment. Shortly after, I received an email confirmation that my enrollment information was received and my in school deferment was retroactive to the start of the semester. I called Navient to request a refund and was told that was not possible. I asked what I needed to do in the future to prevent this from happening every semester. I was told that there will always be a delay at the start of the semester before Navient receives my enrollment information, so as long as I was enrolled with the proper amount of credit hours, I should ignore these phone calls and emails. I always checked the XXXX XXXX XXXX to make sure my enrollment information was correct, and I checked my Navient account regularly to make sure the enrollment information was received and my deferment was approved, and I did as I was told and did not answer the calls or respond to the emails. In the summer of XXXX, I received the same relentless phone calls and emails, and I proceeded as normal. I read all emails, I listened to all voicemails, and all conveyed the same message Ive received for years : your deferment is expiring and you need to make a payment so as usual, I monitored my account to make sure my enrollment information was received. I still called my school to ask when the enrollment information would be released. I still checked the XXXX XXXX XXXX website when the records were supposed to be released, and I still confirmed that my enrollment records were released as planned. Shortly after, I received an email from my credit monitoring company that missed payments were reported on my credit report. I immediately called Navient to ask them why missed payments would be reported. They have my enrollment information, I should be in deferment. It was at that time the Navient representative informed me that my in school deferment option was exhausted. I told the representative that none of the communications I received stated this. This was the start of a very long XXXX XXXX year battle with Navient that continues to this day. During this entire time, I was told different loan terms from every representative I spoke with and I was told to send my dispute to Navients credit reporting division. I compiled the emails and letters I was sent, and circled the statement that my deferment was EXPIRING, not that the option was exhausted. The credit reporting division stated that regardless, payments were missed and therefore they do not need to correct the remarks on my credit report. I continued to dispute the issue. I even spoke with two Navient representatives on XX/XX/XXXX. I asked them to review the communications sent to me before the missed payments were reported, and they both confirmed that none of the communications sent to me mentioned that in school deferment was no longer an option. Regardless, Navient still would not change their remarks on my report. I then reached out to the credit bureaus in an attempt to dispute this. To my disappointment, the credit bureau simply sent my complaint to the company, and responded back with Navient says its accurate so it will stay on your report, but well add the comment that you dispute it. For a while, I gave up hope. However, it was then recommended to me to file a complaint with the XXXX XXXX XXXX. I did so, and was assigned XXXX XXXX as a customer advocate. After going back and forth with XXXX several times, she refused to return any phone calls, and simply emailed back that her investigation into my case showed that during XXXX and XXXX I was properly notified of the fact that my 48 months of deferment were exhausted ( again, different terms than I have been given my other representatives ; this part was incredibly frustrating but not my main point of contention ), and that the remarks would remain. The XXXX XXXX XXXX also threw up their hands and essentially said Sorry we couldnt resolve your issue. Your case is closed but we have noted that you are not satisfied. I continued to communicate with XXXX and requested copies of the evidence she found that I was properly notified BEFORE the remarks were made on my credit report, she refused to acknowledge my request, and never sent her supposed proof. By this point, I have lost all patience. Three and a half years later, I could not believe that even after submitting my proof of the emails I received, submitting the dates I spoke with two representatives who confirmed that in fact I did not receive any notification that my deferment option was exhausted, and requesting XXXX supposed proof that is penalizing me still to this day, nothing was changing, my proof and request for Navients proof against me wouldnt even be ACKNOWLEDGED. I then left voicemails for XXXX, imploring her to do her job, acknowledge the proof that I sent her, acknowledge the proof that two Navient representatives confirmed that I was never told my deferment option was exhausted, or send me her proof that I was properly notified. If she could not/would not do so, I wanted someone else to work on my case. I would have left it alone if XXXX had provided me with copies of anything communicating to me that I could not defer my loans. She still would not acknowledge any of this, and has not sent me any of these supposed communications. Again, I know this to be because they do not exist. XXXX would not acknowledge any of this, and instead told me my request to escalate the matter was denied and my case I was closed. I called out her unprofessional manners for refusing to return a customers phone call, and left another voicemail insisting that she either needs to do her job, or send my case to someone who will, and if necessary I would call every day, even multiple times a day to continue advocating for myself. I would not back down. I then received an email from a separate division of Navient threatening me to drop it, and they will come after me for harassment if I ever called again. This disgusting bullying tactic is not going to deter me. That is why I am requesting your assistance in this matter.
Company Response:
State: MI
Zip: 48183
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: My Navient account notes they are not allowed to contact me via Auto dialing at my listed number ( a cell phone number ), yet they continue to do so. When I received a call today at approximately XXXX I asked why there was such a long pause after I answered the call and when they picked up, at that time, the caller admitted it was due to an auto-dialer. I reminded the caller my account notes they are not allowed to use auto dialers to contact me and was basically told that request would never be honored by Navient and that the practice was not in violation of any federal law.
Company Response:
State: IN
Zip: 46205
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am currently being charged late fees for XXXX graduate student loans for XX/XX/XXXX while federal student loans are still in process of being paused by Navient. In addition to the mismanagement, they are asking for due dates for student loans to be paid before they charge more late fees before the end of the student loans pause on XX/XX/XXXX. I am currently applying for consolidation for XXXX. I was also unemployed during the pandemic for 15 months. These practices are predatory and should be stopped. I have already contacted senators, representatives, and social media to warn regarding Navient 's disgusting predatory practices.
Company Response:
State: MA
Zip: 02140
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I owe about seven thousand dollars to the VA across three different accounts and received two letters. In the first sixty days of becoming aware of this debt, Pioneer Collections had sent me a total of two letters. The first letter was a threat to garnish taxes and the second letter was a threat to garnish wages. The threat to garnish wages was received on XX/XX/XXXX. I contacted the debt collection agency and their call menu had guided me to a notification that a payment must be submitted in order to enter into a payment arrangement plan. I sent a total of {$55.00} through my bill pay application on my phone. Then I left a message requesting callback. I was willing to take care of the amounts that were owed. During that call the person that I had came in contact with tried to tell me that in order for me to enter into a payment arrangement with them that I will have to submit another payment by the XX/XX/XXXX. Then they were really quick to demand financial information such as my pay stubs. They were not even factoring into consideration the basics such as the fact that I do not have a vehicle, I do not have a state drivers license, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) while employed. I don't have any property and fall beneath an acceptable margin of living according to most federal assistance programs such as Food stamps, Medicaid, and some of the Low Subsidy Programs. Instead of emphasizing in my right to lick my wounds after a COVID outbreak that has resulted in a divorce, XXXX deaths in my family, XXXX, and XXXX years of XXXX and being appreciative that I am there to take accountability and a little bit of fiscal responsibility for the balance of these accounts they started treating me as if I had been avoiding the debt. They didn't appreciate the fact that I was there for the first time ever ( despite the bereavement ). Instead they were quick to mention that the debt is five-hundred and somewhat days old and that they are interested on taking action through my new employer, wages, and tax returns. They did not seem very opportunistic at all and are not interested in the bigger picture of allowing us to heal up so that we can take on more fiscal responsibility in sight of hard times, difficult challenges, and are quick to indicate to the consumer that it is their fault that these hard times have happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XX/XX/XXXX Pioneer Credit Recover , Inc had sent me a letter. I received this letter on XX/XX/XXXX. This letter was a notice of intent to garnish wages from the employer under the condition that I do not have a plan. I made a {$55.00} payment through XXXX 's bill pay feature to make a statement and then contacted the company and left a callback number. On XX/XX/XXXX the company tried to tell me that I have to make another payment by the XXXX to have a plan. This is a form of hazing. I have a plan. They can not collect my wages or my taxes.
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A