Date Received: 2021-11-11
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX I was contacted on my personal phone by a person named XXXX XXXX who said he worked with the Department of Education and that they were giving calls to everyone who has student loans and assist them to modify current plans to a better one where my loan will be forgiving at the end. This person was well trained and talked for many minutes regarding different plans and how this will help me reduce my payments and then qualify for a student loan forgiveness by the department of education. We ended up agreeing that a {$39.00} payment a month for 240 months will be my best plan giving my salary in that time and that by the end of 240 months, the rest of my student loan will be forgiving by the Department of Education. He sent me a contract which stated all this and I agreed to it giving my bank information. In that time I never thought people would be so evil to get to all that trouble to scam people with student loans. I mean its student loans for XXXX sakes! I was stressed and just wanted to pay off my student loan among others, so I agreed. My first payment was done of {$790.00} for filing fee to a company working with the Department of Education named XXXX XXXX and then {$39.00} a month after that for 240 months. First payment was done on XX/XX/2020. Second and all other consecutive payments of {$39.00} will de done on XX/XX/2020 and onwards. As he said every month I was paying {$39.00} a month and I was relieved as I was paying my student loan and doing the right thing. On XX/XX/XXXX my new student loan servicer ( NAVIENT ) that was appointed by this person called me to inform me that on XX/XX/XXXX covid 19 National Emergency Forbearance , will finish and I will have to start paying my debt again. I wasn't sure what he was talking about because on my side I was paying my student loan at {$39.00} in autopayment for the next 240 months! I searched my old emails and opened one that said Navient logged in and noticed no payments have been made. I realized I was a victim of fraud and didn't know what to do. This is unacceptable to have companies like this exist and I honestly believe NAVIENT is also to blame as it was their bank of choice which also belongs to the DEPARTMENT OF EDUCATION! They should be trialed by court and pay for being accomplices to this XXXX XXXX and XXXX XXXX. They should all be sued and trialed by court. I can't imagine how many others are victims of this. I have closed my bank account and submitted a claim fraud to fight this act of fraud. Please if you have any way to assist me to regain the money I lost in this fraud. Please let me know. I made one payment of {$790.00} and 23 payments of {$39.00} it all adds up to {$1600.00}. Thank you.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Navient has serviced a private loan for me for many years. I have spoken to many people on the phone about the minimum payment due ; and do continue to pay what I am able to monthly. They continue to call me and my mother, who is a co-signer, multiple times per day at ridiculous hours. I have informed many representatives that I live in the PST yet, daily, I get at least 1 phone call before XXXX. Just in the past week of XXXX I can reference the following, and these are all calls solely before XXXX. Each of these days they call at least 2/3 additional times within " allowable '' hours XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XX/XX/21 XXXX, XXXX XX/XX/21 XXXX, XXXX XX/XX/21 XXXX, XXXX They also continue to call my mother at work when she has asked many times to not be contacted there. I am aware of my debt and pay on it as I'm currently able, and I do make monthly payments so the relentless calls at ridiculous hours, for literally MULTIPLE years, seems unnecessary and has become incredibly inconvenient and stressful for both me and my mother who has an XXXX XXXX exacerbated by stress.
Company Response:
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
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: My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. NAVIENT account is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.
Company Response:
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
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: My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on Credut Bureaus response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ;
Company Response:
State: OK
Zip: 73132
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I XXXX XXXX XXXX XXXX give Navient the authorization to respond to this complaint. Navient was asked to send specific documentary evidence the Original Promissory Note, Account Ledger, Books, and Records of where the account was funded the Audit Trail and whom that money was sent to because I never physically touched any check or money to pay for any education also Navient is operating and collecting information and disbursing information on an expired OMB No. They have no extension or new filing for the promissory note this information was obtained from reginfo.gov which I've added to my exhibits of unfair practices to collect information and collect on an alleged debt. Also I am revoking my alleged agreement be sold to a new company I do not give my consent for Aid vantage to obtain any of my personal documents or public documents social security number alleged agreements etc. I advise Navient to XXXX out all accounts and leave it in good standing if they can not produce the Original documents signed by the two parties. Navient also lied to me and said they are a government entity when they are in fact only a servicer third party to the government entity!
Company Response:
State: PA
Zip: 15132
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I contacted Navient requesting Verification of the debt Navient says I allegedly owe to them. Weeks Later Navient sent the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Master Promissory Note ( see attachment ). In this Promissory Note it's referred under the Borrowers Rights and Responsibilities Statement, the words we, us, and our refer to the U.S. Department of Education and Direct Loans are made by the U.S. Department of Education. However in the Promissory, it does not Include Navient. I am a private consumer. I never gave Navient Written Permission to Furnish Any information About me to any Consumer Reporting Agency 's, No Consent means Identity Theft. It was not clearly and conspicuous stated Navient would furnish any information about me, or be acting as a debt collector collecting payments due or owed to the U.S Department of Education. I never entered into a contract with Navient. Furthermore i am challenging the accuracy and integrity of furnished information by Navient.
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: On XX/XX/XXXX I called Navient to see if I can get a lower payment or put my loans in forbearance due to the Covid criss. I told the rep that currently I am not working because of COVID-19 and also I was due to have my baby around XX/XX/XXXX. I was told by a rep they can look at the options for forbearance to upload a copy of my XXXX and XX/XX/XXXX bank statements and also my XXXX and XX/XX/XXXX bank statements. I called once a week during the month of XXXX to see if they received statements. I was told that they couldn't see my statements and resend and wait. I was emailed XX/XX/XXXX that my unemployment was received even through the reps was saying that they didn't receive anything from me. Even during the month of XXXX I was passed off to different agents about uploading bank statements. I still was uploading them to Navient. I started working with a manager named XXXX XXXX XXXX around XX/XX/XXXX. I was uploading and still it wasn't coming through. I was told to go to the bank and see if they can fax my statements to Navient. The Bank said no. The bank rep tried to help me up load and we started to see that an error kept coming up. The bank rep said it is probably and issue with Navient website. I called XXXX and explained the error I asked was there an email I can send my info to. XXXX said she had to get in touch with her manager and see what can be done. XXXX confirmed XXXX XXXX to email it to XXXX XXXX her manager and she will submit my documents to the director and will get back to me. XXXX XXXX I spoke with XXXX to see if she received the documents she said no. After reviewing the email I discovered the spelling was wrong for XXXX name. I resent documents and was confirmed with XXXX she receive the documents and she will sent to director for review. She said she will get back with me later that day. I didn't hear from XXXX so I called Navient on Saturday XX/XX/XXXX. Navient was closed. I called on Monday XXXX XXXX and was told that XXXX was not in. So I was thrown to several different representatives and was told if I didn't pay {$560.00} by XXXX my account will be in collections. I was told last minute that the director didn't approve my forbearance. I explained that I am not currently getting unemployment. I was told by a rep name XXXX due to my hardship they can offer a program where I just have to pay {$260.00}. I told XXXX since Im not working let me speak with my husband. I called Navient back 5 mins later gave them my financial Information and transfer to a manger named XXXX. XXXX begin to bully and antagonize me over the phone because I'm not working.I felt like she was taking her own opinions out on me. I trying to explain my situation and she said the only thing that can be offered is interest only at {$500.00} and if I don't pay the full amount today ( XX/XX/XXXX ) my account will be reported to the credit bureau.That is the only option she gave me. I hung up and called back an hour later. To save my credit I enrolled in the program with XXXX. Honestly I can't afford this. I couldn't even afford to make the whole payment but just {$250.00}. I was told this will come off my credit report but takes 30 days to do so. I am not receiving Unemployment nor I am working. I am trying to work with Navient but they are not doing anything but giving me the run arounds.
Company Response:
State: FL
Zip: 327XX
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I borrowed {$89000.00} from Sallie Mae. Navient said they took over my accounts. Somehow my balance overtime ballooned to over {$150000.00}. My father was never cosigner on any my loans. The system would not allow him to cosign for me. Somehow his name appears on my promissory note along with other names that do not match for references. I have been trying to handle payments for many years and figure out a way to survive. I can not pay what they demand. At one point, I was paying $ XXXX monthly when I was only making {$1200.00} per month. I was threatened my customer service agent that he did not like my tone and that he could make things worse for me. Over the years, the Sallie Mae and Navient both said that they could do whatever they wanted with my payment amount and balance based on their whims. I have them recorded. Most recently, I spoke with XXXX XXXX, a poorly trained supervisor at Navient. She was very belligerent. Told me that I need to find a job during pandemic and downward spiraling economy. She asked why couldn't my family members pay the balance. My family has been harassed by the company as well. Members that were not listed as references. They even called my father on his deathbed to harass him. Multiple times a day. When we said he is hospitalized and to stop harassing him. They kept calling. It was relentless and vulgar in nature. I am shocked and disgusted by these actions. Beyond their predatory lending practices and poor customer service that verge upon being deceitful, uninformed, uncouth, and XXXX, they can not seem to keep their records in proper order. Constantly, asking me about my father and his whereabouts. My father passed away two years. Navient received the death certificate and responded with " you are now on your own. '' I do not have the money nor will I ever make enough income to pay them {$1000.00} per month. I will never be able to pay them over {$150.00} per month. They refuse to work with me. I said I am not working for various reasons. Again, we are in a pandemic and economy is not well. Also, I do not trust the company because the promissory notes hold false information. I refuse to be preyed upon by a company who as stated before is under investigation for predatory lending. Please contact me for recordings and other documents.
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I have applied for Load Forbearance on my Navient Private loan multiple times. I have not received a response any of the times that I have submitted the School Closure Form. I just submitted the form again, but you can not view the submission in your online account and I have not received an email that Navient will process the request which has happened in the past. You just don't receive a response. I previously went to XXXX XXXX XXXX in XXXX, which has closed. I had a loan from them in the total amount of {$9400.00}. I currently have a XXXX % interest rate and have a remaining unpaid principal of {$4400.00}. I continue to pay monthly ; however, this is one thing holding me back from future goals. I don't believe I should have to pay a {$9400.00} balance which I have mostly paid, but won't fully pay off until XX/XX/2025 for a school that has closed and I was unable to obtain a degree from.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
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: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This just proves that XXXX and XXXX Credit Bureaus are lack proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A