Date Received: 2023-10-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Navient previously approved me for a payment plan and processed a payment for that plan. They later came back after checking my credit without authorization and stated I was no longer approved for that plan. Upon denial they then tried to raise the payment amount, without informing me in a timely manner, while also sending me conflicting statements about my account status. Upon receiving additional information about the account, I signed up for another rate reduction plan that I was approved for. Upon approval I was never notified that my credit would still be effected. A month later, my credit began to reflect XXXX LOANS reporting as 30 days late, significantly tanking my credit score. Despite writing letters and reaching out to customer service to clarify the inconsistent documentation I received, Navient still denied fault of this issue. A supervisor later finally agreed to listen to the previous recording and determined that the representative was in the wrong for the information shared on the account and stated they would submit documentation to have my credit report corrected. He stated to me directly that this would be fixed by XX/XX/10. Nonetheless, a different department later denied that request as well. Finally, after requesting the documentation and the call recordings from my conversations with Navient, the company has continually refused to provide me with those items in order to resolve this matter fairly. After months of reaching out to the companys ombudsman, I have yet to receive any kind of fair resolution or a call back. Thus, still greatly effecting my credit score.
Company Response:
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Issue with income share agreement
Subissue: Marketing or disclosure issues
Consumer Complaint: Re : Scam email, Exposed NAVIENT Personal Account Information. NAVIENT is not protecting my personal account information. I received an email from : XXXX, requesting I call to complete an application for loan forgiveness. The contact phone number given is XXXX. The email instructed me the call to speak with XXXX XXXX. I did not apply for loan forgiveness, ever. I have not contacted the sender of the email, nor have I called the phone contact number listed in the email. By not securing and protecting my personal account information NAVIENT and, or the private lender, or private university has exposed me to probable future attacks from those seeking to perpetrate criminal acts on the elderly.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I attended a XXXX XXXX ( first name was XXXX XXXX XXXX for first few months, then name changed to XXXX XXXX and then they lost accreditation. The school physically closed just before graduation and they opened another campus ). The main problem is federal and some private loans have been forgiven for students who attended closed XXXX XXXX or defrauded in the financial aid office or both. I fit all the criteria. The federal loans that werent paid were forgiven. The amounts I was told differed between financial aid office and what navient showed! The total cost of tuition was approx XXXX. XX/XX/2006, I allegedly acquired a private loan worth {$20000.00}. There were a few federal loans in the amount of XXXX, XXXX, and XXXX. I was told and led to believe that my loans were federal. The education dept XXXX the last XXXX loans listed above. My complaint is I or my parents have paid the original loan balance and over how is it that the total balance has ballooned to well over {$51000.00}?! I understand how interest works but the fact that the school is and was defunct is not being considered. If I qualified for federal discharge due to school closure and or fraud AND I have paid Navient what was borrowed and then some, why should I be on the line for $ XXXX from a school that doesnt exist. I had a hard time finding employment in the field and was coached to lie. I no longer work in a field using that degree. I could not transfer the credits. It was literally a piece of paper. I feel that Navient should consider my loan repayment as complete. They will not give me any proof of transfer of any promissory notes from sallie Mae either. I am positive some things got lost between the shuffling of the schools and the transfer of my loan from sallie Mae to navient. The numbers do not match. Also, the school I attended is not the school Navient has on record. I never attended XXXX XXXX! I attended XXXX XXXX XXXX This has caused me an unbelievable amount of stress and frustration that these private loan companies can get away with financial abuse. I can not afford XXXX in student loan payments. The phone calls start after day XXXX missed payment I have XXXX federal loan allegedly from XXXX that NAVIENT said did not qualify for forgiveness. Id rather be sued, they wont do it. I WANT a judge to listen to how unfair and unjust the situation is for other XXXX XXXX I want to be done and away from them for food. I will never pay off these loans from a school I never attended, that lost accreditation, that closed in my lifetime.
Company Response:
State: SC
Zip: 297XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I requested a Direct Consolidation Loan from the Federal Department of Education serviced by XXXX in XX/XX/XXXX. The Direct Consolidation loan was approved by the end of XX/XX/XXXX, paid to Navient in XX/XX/XXXX, and Navient reduced my outstanding loan balances to {$0.00} as a result. Yet, FAFSA reports on its website that I actually borrowed over {$170000.00} in total borrowing when I only borrowed less than half that amount. The DOE Consolidation loan now serviced by XXXX was paid directly to Navient, not to me. My original loan balance with Navient from my original student loan consolidation loan in XXXX amounted to {$60000.00} in total borrowing, the rest is interest. According, FAFSA is reporting that I borrowed {$190000.00} in total and owe over {$170000.00} outstanding debt. This is both wrong and unjust. When I sent a complaint to FAFSA, I was ignored and nothing was done. My second complaint regards the handling of my original student loan consolidation in XX/XX/XXXX with Sallie Mae. I applied for a direct consolidation loan in XXXX with Sallie Mae. For unknown reasons, my direct consolidation loan turned out not to be through the Federal DOE, but was run through a commercial refinance ( private ) rather than through the Federal DOE. At no time in XXXX was I told that my Federal Consolidation Loan was not being consolidated through the federal government, but was being manipulated by Sallie Mae to private commercial interests. I have since learned that the CFPB sued Sallie Mae for fraudulent servicing practices, but I am not aware of how student borrowers such as myself who were misled by Sallie Mae into student loan consolidations that were privately held. In my case, according to DOE and XXXX, none of my prior XXXX years of IBR payment history will be credited toward repayment of my student loans as a result of Sallie Mae 's fraudulent lending practices. I believe that similarly situated borrowers like myself should be provided with some avenue of relief from Sallie Mae 's deceptive lending practices. In my case, all of my loan payment history should be counted toward my repayment history of my student loans since XX/XX/XXXX. As thing now stand, my student loan debt will follow me until XXXX, according to XXXX. Since my degree was for graduate study, my loan should end in forgiveness after 25 years, not 39 years as things now stand. Thank you for any help you can provide. Yours truly, XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please help, Navient has violated my rights. I never authorized any changes to my account. I was also never made aware of any changes being made to my account. Please note that I am not their only victim, as Navient is being investigated by the federal court for their fraudulent practices. My consumer rights are being violated, please remove the accounts listed below from my credit reports immediately. I have a history of excellent credit. This company is trying to take advantage of their customers, and I am seeking your help as they are randomly making changes to the below listed accounts without my content, or without notifying me about any changes. Random increases of interest rates at amounts that are purely fraudulent, they NEVER discussed any changes with me! They went from and interest rate of around 3 % to now 10 % in one year!! None of it makes sense, all in one year! As I did my research I learned of their fraudulent acts and how they are now under investigation for their crimes. They are a fraudulent company and they are currently being investing for their criminal acts.This complaint is for the following accounts with the fraudulent Navient company... Navient Account # 's... XXXX XXXX XXXX XXXX Please remove all of the above accounts from my credit report as my rights have been violated this year. Please remove these accounts immediately. Thank you for your help, XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to lodge a complaint against my student loan servicer, Navient, as well as the three major credit bureaus : XXXX, XXXX, and XXXX. In XX/XX/2023, my credit report reflected a 90-day late payment on my student loan account. However, I certify this reporting to be in error, as I should have been in federal deferment under the provisions of the CARES Act. I seek your assistance in rectifying this issue and ensuring that such discrepancies are addressed promptly to protect consumers like myself. Sincerely,
Company Response:
State: FL
Zip: 33143
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Repeated phone calls at all times of the day, upwards of a dozen calls a day. Thus disruption has been going on for several months. I have repeatedly told them I am not the person they are looking for, they have the wrong number, And Do not call me again. I have blocked them and they call from another number. REPEATEDLY. The calls continue, now asking for another person. I do not want any calls from this company and have gave clearly told them to refrain from contacting me. They refuse to stop..
Company Response:
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act. XXXX Accounts : XXXX. XXXX XXXX XXXX # XXXXXXXX XXXX Navient # XXXX Has violated my rights. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose. Also, ACCORDING TO 15 USC 1681a- Definitions ; rules of construction. ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; ( LATE PAYMENTS ARE CONSIDERED TRANSACTIONS ) Therefore should not be reported to a consumer report.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Struggling to repay your loan
Subissue: Problem with forgiveness, cancellation, or discharge
Consumer Complaint: At XXXX now, sick ( XXXX twice and XXXX debilitating hernias -- one recurring ), and living on my SS income ( XXXX mo. ), Navient expects me to payments in excess of XXXX a month. I initially, in the mid XXXX 's and XXXX 's, borrowed up to XXXX amount which I paid back, plus some of the interest. I contined making payments until health problems forced me to retire. Given my age and health circumstances it is quite difficult to pay even a little bit every month. Navient 's plan has been : " forbearance with accumulating interest. '' The last balance was estimated at more than XXXX. Obviously, I will be dead before I could pay this astronomical and unjustified amount.
Company Response:
State: WA
Zip: 98221
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am a co-signer on my daughter XXXX XXXX loans which were funded on XX/XX/XXXX and XX/XX/XXXX respectively {>= $1,000,000} each loan. I have made all the payments monthly and on time. Just the last 2 years, XXXX and XXXX ( I added it up in my banking history ), I have paid {$15000.00} total to Navient to service the loans. ( just the last 2 years, and XXXX is not a complete year ). The payoff on loan XX/XX/XXXX funded is {$19000.00} unpaid principal {$18000.00} The payoff on loan XX/XX/XXXX funded is {$21000.00} unpaid principal {$21000.00} How is this possible? I have asked them for information and also consideration because my daughter is a veteran, I have in previous years paid more than I have the last XXXX ( XXXX and XXXX ). Navient isn't applying funds to help us instead I just keep paying interest. It can't possibly be the amounts left, me having paid over $ XXXX or more ( just using the last 2 years as an example ) on each loan over the life of the loans so far. Help please? Co-signer mom of a daughter who is a veteran ( XXXX ) FYI. The loans use to be with XXXX and then Navient took them over from XXXX. These balances can not be correct. Impossible. And I don't have access to all the history.
Company Response:
State: TN
Zip: 376XX
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A