Date Received: 2021-12-13
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: I had 2 student loans which are been paid off by a settlement by NAVIENT SOLUTIONS , LLC The U.S. Department of Treasury, Bureau of the Fiscal Service ( Fiscal Service ), applied my Internal Revenue check for the amount of {$5000.00} on XX/XX/XXXX To cover my debt to the following agency : The U.S.DEPARTMENT OF EDUCATION EDUCATIONAL CREDIT MANAGEMENT CORP. XXXX XXXX XXXX XXXX MN XXXX Then Navient kept calling me claiming that they had one of my student loans and my taxes were applied to only one of my student loans and that I need to pay them for my second loan. They send me a letter offering me to settle my account for {$430.00} and I made two payments to cover this amount one was on XX/XX/XXXX for {$250.00} dollars and the second one was made on XX/XX/XXXX for {$180.00} to complete the {$430.00} But now another company called XXXX is claiming that they have my student loan I call and told them my student loans were already paid off, and they told me to fax them my documents the proof of what I said to them by phone, and I did now they send me another letter to let me know that my student loan was transferred to another company and that I need to wait for them to contact me. Because they can't help me any longer.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have not received any information regarding the investigation and it has been well over 30 days. These items need to be removed from my credit report
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: In XXXX, XXXX, my husband and I decided to refinance our home while the rates were low. One of the things we wanted to do was to payoff my student loan. During this process, our lender checked the balance of my student loan so that the amount could be added to the cash out portion at closing. In early XXXX, XXXX we closed escrow. The title company sent a check dated XX/XX/XXXX, in the amount of {$31000.00} to be paid to Navient for my student loan. Because I have had difficulty with Navient in the past, I called them on XX/XX/XXXX to pay off my student loan through ACH. During my conversation with the customer service rep, she informed me that interest had accrued in the amount of {$210.00} since the last payoff amount quoted to our escrow company. I paid the {$210.00}, as well as the {$31000.00} on XX/XX/XXXX. I confirmed with customer service that because I was making these payments, my account would be paid in full with no more interest, she said correct. On XX/XX/XXXX, I received notification that the title company 's bank rejected the ACH stating that they do not accept ACH payments. After a couple of weeks of voicemail exchanges, I was able to get to the right person at the title company who informed me that she would email me an overnight label so that I can mail the check to Navient. On XX/XX/XXXX, I called Navient to get the payoff department address, as well as to see how much interest had accrued since XX/XX/XXXX. I was told that I still needed to pay {$54.00} to cover the interest that had accrued. On XX/XX/XXXX, I called to make sure the check was received, and to pay the final amount of {$54.00}, and I was told that my account was paid off. The next communication I would receive would be that my account was paid in full. On XX/XX/XXXX, I received a notice from Navient that my account was still short in the amount of {$54.00}! This is not correct. My Navient account shows a XXXX balance. It also shows that payments were made on XX/XX/XXXX for {$210.00}, XX/XX/XXXX for {$31000.00}, and a final payment of {$54.00} on XX/XX/XXXX. These payments reflect the timeline of events as they occurred. I do not understand their accounting, nor do I believe that I still owe this company any money. My account must have still been accruing interest, which I was told would not happen. At this rate, I will keep owing Navient money indefinitely.
Company Response:
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navient who manages my student loans, who put my loans in automatic Forbearance, then reports my XXXX loans as 'late '. The accounts should never have been placed in automatic Forbearance nor especially been reported. This action is supposed to protect the status and maintain " good standing. '' I disputed it thru XXXX, whom I pay a monthly membership to help with these things. The dispute has been resolved and Navient reversed the " late payment ''. However, the account status still reads, " potentially negative '' and my score did not return to where it was, before all of this. My credit immediately dropped nearly XXXX points due to Navient 's purposeful fraudulent reporting. XXXX states there is nothing they can do, that the score is based on some " algorithm '' and referred me to XXXX. XXXX said there's nothing they can do, that XXXX is actually responsible for the handling and correction of my score. I am getting the run-around and don't feel I have much recourse other than to file a lawsuit against Navient and all involved. This is completely unfair as I worked so hard to fix my score and now it has been destroyed by false reporting and lack of accountability in anyone fixing it. What an injustice to the consumer. I please ask for assistance and for this being returned to the score it was, prior to Navient 's false credit reporting. On a separate issue, I have many student loans that are not on my StudentAid.gov, but that Navient insists are mine. I have asked Navient repeatedly over the years to open an investigation into these loans that are not mine, and they have done nothing but continue to demand loan payment. I've been paying since approximately XXXX, it's hard to believe an original loan from XXXX for an amount of {$500.00}, is still owed and due. Something is terribly wrong!!!!!!!!! Please help.
Company Response:
State: AZ
Zip: 85022
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Navient is sending me emails demanding payments on federal direct loans during the COVID payment pause. The first email came on XXXX XXXX, XXXX. It said " XXXX, you have loans entering repayment soon '' and demanded a payment of {$120.00} with a due date of XX/XX/XXXX. I received a second identical email on XXXX XXXX, XXXX again demanding a payment of {$120.00} with a due date of XX/XX/XXXX. It can be extremely confusing when borrowers receive notifications from student loan servicers like Navient because roughly half of the notifications include information that is false, misleading or an error and when I call Navient about it I'm told to just ignore it. This makes it impossible to tell what information Navient is sending me is correct and requires me to take specific actions that my financial life depends on. Everything ends up being a guessing game and a hall of mirrors. On XXXX XXXX, XXXX I got a deeply concerning email from Navient saying that somebody had changed my mailing address on XX/XX/XXXX. I did not do this, and the message said " If you didn't request this change, please contact us immediately at XXXX as it could indicate attempted identity theft or other suspicious activity. '' I did call them immediately because I was deeply concerned about this, however, because Navient sent this email to me at XXXX p.m. ET their offices were already closed that day. I called Navient at XXXX a.m. ET on XXXX XXXX, XXXX and spoke to a representative named XXXX XXXX whose employee ID number is XXXX. XXXX XXXX confirmed that my mailing address was correct, it was exactly the same has it was before and it seems like it was not changed at all which is good news. XXXX XXXX told me that sometimes this happens by error if a representative at Navient accidentally or out of habit clicks a box that signals there was an address update. I also took this opportunity to ask XXXX XXXX about the other emails Navient has been sending me demanding payment on a federal direct loan in violation of the payment pause. She said that they have been getting many phone calls about this issue from other borrowers. She said this was a problem " because of the fork '' ( I don't know what this means ). She says that Navient had automated these messages before the payment pause got extended and that they have been unable to turn these automated messages off. I asked XXXX XXXX how many other borrowers got messages like this. She said she did not know, but confirmed it has happened to many other borrowers. Did it happen to all accounts that Navient services? I explained my distress that it is impossible to know what information Navient sends me is accurate and what is false. I asked when Navient was going to send me the correct information about when payments would resume. XXXX XXXX insisted that Navient had already done that, and I had to insist that they never did. I also expressed my distress about the upcoming servicer transfer to XXXX. During past servicer transfers the CFPB has documented that one out of every five accounts has had errors as a result of the transfer. I had hoped to avoid the servicer transfer. Since Navient services some of my federal direct loans and XXXX XXXX services another portion of my federal direct loans I had hoped to avoid the servicer transfer by consolidating all of my loans had choosing XXXX XXXX as my servicer. XXXX XXXX told me that this should be possibile, however I had previously tried to consolidate these loans and XXXX XXXX sent me a notification saying they had cancelled the consolidation based on a technicality. So it seems like there is no way for me to avoid this servicer transfer. I requested account information to be mailed to me by Navient multiple times. It has not yet arrived although XXXX XXXX insisted it was on its way.
Company Response:
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I made an additional student loan payment of {$500.00} to Navient that was posted by my bank on XX/XX/XXXX indicating Navient received my additional payment but did not apply to my student loan amount. They took the money but have no record of it. I have my bank statement indicating I made an additional payment. They have refused to help. What recourse do I have against Navient.
Company Response:
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Navient XXXX, 2021 Listed 6 /90 day late Payments missed under the Cares act. It was my understanding that the student loan Payments were on pause. I quickly notified Navient when I seen the late payments. One loan, placed 6 times. During this time Iost my Daughter on XXXX day, I couldn't think straight for months. Finally looking into the student loans I got everything straightened out but it has put a black mark on my credit score. I never been late. I sent a letter to the credit agencies and disputed. They sent no proof. I then contacted Navient and they wanted a dispute letter. This is wrong during a national pandemic
Company Response:
State: MI
Zip: 48340
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I sent a letter exercising my Equity and disputing the student loans asking for the XXXX asking for the school to send me the " Original Instrument of Indebtedness in it's original form ''. I've gotten no response back from Navient Dept of Education ... even though I have a certified mail receipt saying that they did indeed receive my dispute letter on XXXX. This is now a violation of the Fair Credit Reporting Act and I intend to follow through with a law suit ( as I have a paper trial ) FCRA SECTION 611 Part ( A ) ( 1 ) failing to respond in 45 days. I also sue for the max for also noncompliance. If this item is not removed from my credit report.
Company Response:
State: TX
Zip: 77521
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: This matter began XXXX, XXXX, after requesting a new Natural Disaster forbearance with my loans held by Navient. Please contact me urgently regarding this matter, I am filing a grievance today with the Consumer Financial Protection Bureau, as Navient has requested unethical information of me to process a Natural Disaster Forbearance after suffering from California Wildfires & floods in XXXX & XX/XX/XXXX ( XXXX XXXX XXXX XXXX, respectively ) ; with no right or reason to run a credit check for requesting a Natural Disaster Forbearance on my loans. No other lender has done this at any point in time, and this is highly unethical and quite plausibly, not legal. Additionally, I am not requesting credit, and my credit state is very poor due to the long term hardships experienced both with COVID and current Natural Disasters in California, which has severely affected my income. Further, Navient and its representative XXXX XXXX, has outright refused on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to contact me via phone to resolve this matter after multiple urgent requests. As my co-signer is my retired, XXXX father whom has been extremely XXXX and XXXX with XXXX, I will include this in my complaint with the CFPB as Navient continues to neglect me and my requests for immediate assistance via phone. Navient continues to change the terms and requests of me via only email communication, and a Natural Disaster Forbearance does not require a credit check. I have provided all requested information to Navient regarding the need for this time urgent Natural Disaster forbearance and how it has affected me financially and medically, and Navient continues to attempt to change the terms of applying this previously promised Natural Disaster forbearance. This matter remains unresolved by Navient, and I request immediate assistance with this matter, as XXXX XXXX XXXX Navient Executive Team refuses to phone me to resolve this matter. Navient has no reason or right to run a credit check for a Natural Disaster forbearance, which is Federally regulated based on Natural Disasters, which I have experienced at this time with severe impact to my health, income and ability to repay my loans at present. As such, please contact me urgently to aid in the resolution of this matter and ensure that my loans are placed in a Natural Disaster forbearance as previously promised me, and as requested due to the nature of the Disasters I have experienced and noted in great detail with Navient. This matter remains time-urgent, and I thank you kindly in advance for your immediate assistance.
Company Response:
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A