Date Received: 2024-01-12
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: XXXX XXXX XXXX - Received notification from the US Department of Education about Borrower Defense Application # : XXXX. I submitted two applications and sent in one via certified mail which was somehow also " lost ''. I am a member of the XXXX XXXX XXXX class action lawsuit and have received physical confirmation that my loans should be void from XXXX XXXX XXXX. I have yet to see anything in follow-up to this lawsuit to which it states : " The Department will not deny your application without first providing instructions on what is required for a successful application and giving you the opportunity to resubmit your application. '' I am not sure why my loans haven't been dismissed as of yet. Also, I am unable to get any traction from my servicer Navient. They also keep trying to FORCE me into refinancing my loans so they will no longer be federal but privatized which is totally misleading. I want to know where all the money is going if loans aren't actually being written off. I am still incurring interest as my loans sit in forbearance which is negatively affecting my credit score.
Company Response:
State: MO
Zip: 64083
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Upon reviewing my transaction history with Navient, I found {$4500.00} in interest charges beginning XX/XX/XXXX, and continuing through XX/XX/XXXX. It was my understanding that interest was not to be charged during this time. I was also making payments during the majority of that time.
Company Response:
State: TN
Zip: 37209
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I was advised by agent ( XXXX ) on XXXX that if I made XXXX installment payment before XXXX that I would avoid any late credit reporting. I paid XXXX on XXXX XXXX. The company NAVIENT still reported me late in both my private loans. This has caused my score to drop by XXXX points. I have called the company to resolve with management they promised they would call me back no one ever did. I would like this corrected to restore my credit back as should be. I also paid a payment on XX/XX/XXXX as well XXXX .This is negligent on the part of NAVIENT .this is hurting me financially. Please have both late payments removed from my credit file .im asking that the call from XX/XX/XXXX be reviewed.
Company Response:
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Navient isn't changing the name on my private loan and this is causing me to be overlooked for forgiveness for private loan from a for profit fraudulent school. I have a private loan from Navient through XXXX XXXX XXXX XXXX XXXX, CA. Not only is Navient refusing to work with me to lower the 13.250 % interest rate, but they wont correct the name on this private loan. It says XXXX College ( my local community college ). Although I attended XXXX college periodically, I did not graduate from XXXX college and didn't take out a loan for attending XXXX College. There is a loan forgiveness program that I should have been but was not included in : Government Action : XXXX reports on known government actions involving business marketplace conduct : : Navient Settlement with Multiple US States which states the following : The terms of the settlement will include the following : {$1.00} XXXX in private student loan cancellation for borrowers who attended certain for-profit institutions. Since I attended XXXX I believe I qualify for forgiveness but wasn't included because of the name on my loan. I asked Navient about it but they only sent me the promisary notes with XXXX on them but named under XXXX College. I believe I was overlooked and was denied this forgiveness because the wrong name is on my loan on Navient.com. Otherwise my loans would have been forgiven. I have no idea how to get this resolved or who else to complain to. I believe this was a predatory private loan created by XXXX and Sallie Mae ; now Navient. Also I have been fighting Navient on my private loan payments and refuse to pay because they will only put {$30.00} of my {$270.00} payment toward the principal. The rest was being put toward interest. I was basically throwing my money away at them. I have paid {$29000.00} in interest and {$12000.00} in principal. Original principal was {$23000.00}. I believe Navient isn't lowering my interest rate because they make a huge profit off of it just like other borrowers.
Company Response:
State: CA
Zip: 95993
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My 4 loans with Navient went out of forbearance. I had never had a forbearance only last a month and they didn't inform me it was over. However on my credit report it goes from current to a 90 late and 2 concurrent 120 day lates in XXXX XX/XX/XXXX. It goes from current to 120 days late in XXXX and XXXX In XXXX.
Company Response:
State: KY
Zip: 40245
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX To Whom It May Concern, I am writing regarding my XXXX XXXX XXXX, which was cited for unfair lending practices in XXXX by Consumer Financial Protection Bureau. I have disputed my student loan balance for many years, and to date my loan is still {$18000.00} and taxed at 8.5 % interest. I started college in XX/XX/XXXX and at the time I received Pell Grants to fund my education. Additionally, I served in the military for 16 years ( Army Veteran ) and the Department of Defense paid {$20000.00} via my GI XXXX XXXX towards my student loans. I started college at XXXX XXXX XXXX in XX/XX/XXXX and at that time I believe I was awarded a XXXX XXXX to fund my education cost. After leaving XXXX XXXX, I attended XXXX XXXX XXXX, a local junior college for XXXX years and transferred to XXXX XXXX XXXX. After one year, I transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX, earned my Bachelor of Science Degree and graduated in XXXX. Between XXXX, a personal banker at XXXX convinced XXXX to consolidate all my student loans into XXXX loan. At the time I was young and naive, and I did not understand the ramifications of this financial arrangement and certainly did not know that this debt would morph into a massive balance due to high interest. The interest rate has never fallen below 8 % and I have been struggling to pay this loan off for many years. I am now XXXX XXXX XXXX and 90 % service-connected XXXX per VA and I would like to have my loan reviewed for accuracy and request loan forgiveness due to all the mismanagement, massive fees, high interest rates and late fees. Most of the loans that I consolidated were federal direct subsidized or unsubsidized loans that are now consolidated into a variable rate private loan. Additionally, XXXX is one of the schools accused by the Federal Trade Commission of misrepresenting its job and salary outcomes through ads. The university also settled with the Education Department and borrowers. I have never been able to write off payments on my tax refund, I have been charged late fees and massive interest and many other issues with XXXX loan which is now served by Navient student loan. To date, I still owe {$17000.00} on my loan despite many payments, consolidations, and the Department of Defense payment due to the high interest rate and constantly transferring my loan from one servicer to another. Its as if the Department of Defense payment were never made. Thank you, XXXX XXXX XXXX, XXXX XXXX Attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: For XXXX months I have told them I am now on XXXX and can no longer afford my payment and need to apply to have it forgiven. My health event is permanent and will not change and I have had it for over 15 years. My doctor filled out the required paperwork and I sent it in. They then said they needed the promissory note to provide it to XXXX. I provided that. My loan was due on XX/XX/XXXX. I called today ( XX/XX/XXXX ) and the recording said that they only accepted calls on weekdays. How can this be? ni customer service at all if you call on a weekend? So my note now has an enormous late fee, which I can not pay, and I still do not know the status of my request that I asked to receive in XX/XX/XXXX. Dealing with the scam of student loan debt almost makes me wish for my death to happen sooner! I can not keep my sense or will to live going knowing I am no longer valuable to Navient. Please let me know what I can do? I was raised to pay my debts, but with Navient, that debt has tripled and I can not afford it on {$1700.00} a month.
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navient reported late payments on my student loan between XX/XX/XXXXXXXX and XX/XX/XXXX. This, of course, was right in the middle of the Department of Educations student loan payment pause which began in XX/XX/XXXX. Consequently, I could not have been 90 and then 120 days late with paymentsnot to mention the fact that loan servicers were not supposed to make negative credit reports at this time, either. XXXX is the only credit agency reporting this. When I contacted them, they said I would need to contact Navient directly as they are the only ones who can report a correction. I sent a letter ( as per their website ) and have received no acknowledgement.
Company Response:
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: XXXX, keeps calling my private cell phone number, my husband is the co signer on my sons XXXX loan. I dont know how they got my private celll number .This is harassment an another level. XXXX has no right to call my private cell phone number. ( XXXX ) XXXX
Company Response:
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: We are going through XXXX XXXX XXXX to help us with our high interest credit cards and the private Navient loan we took out for my husband 's school over 15 years ago. We lived in XXXX when taking out the loan, but have since relocated to XXXX XXXX. Navient first called me and had our XXXX address on file, so I updated it to our address in XXXX. They were then informed by both me and my husband that we would not be making a payment at that time since we were doing XXXX. Since then, they call us both every morning between XXXX and XXXX. We have both told them that we live on the XXXX XXXX and to not call us before XXXX PST, but they ignore us and continue to do so. They also call XXXX times a day to each of us ( for a total of XXXX calls a day for the household ). We just want them to stop calling us so early. Asking them not to call us so early has not worked at all.
Company Response:
State: WA
Zip: 98409
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A