Date Received: 2021-09-29
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: This debt is an educational loan through Navient/Sallie Mae opened as a joint account with my husband on XX/XX/XXXX in the amount of {$10000.00}. The monthly repayment of {$140.00} began on XX/XX/XXXX. The account was for educational service through XXXX XXXX XXXX for my daughter. The debt subsequently was included in a Chapter XXXX bankruptcy filed by my husband which was entered on XX/XX/XXXX. The amount of the claim for Sallie Mae on the bankruptcy petition was {$7900.00}. An Order of Discharge was granted under 11 U.S.C. 1328 ( a ) by the United States Bankruptcy Court on XX/XX/XXXX. During the process of applying for a mortgage loan on XX/XX/XXXX, it was revealed that Navient was on my credit report showing that the responsibility for this debt is individual with a balance of {$14000.00}. I was able to go to Navients website and register for an online account using my social security number and date of birth. At this point, it was discovered that this account is the same account that was discharged through bankruptcy under my husbands name on XX/XX/XXXX. The details on the loan that is under my name and social security number states that the unpaid principal of the loan is {$7800.00} and the unpaid interest ( at a rate of 11.25 % ) on the account is {$6600.00} with a current balance of {$14000.00}. The loan also states that it is a private loan for XXXX XXXX XXXX XXXX with a disbursement date of XX/XX/XXXX. The original principal is {$10000.00} with the student being my husband. The loan status is currently in administrative forbearance due to the COVID-19 pandemic.
Company Response:
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I believe that I should be included in Case XXXX. XXXX XXXX didn't explain any private loan was being requested on my behalf. I was rushed and they used high pressure tactics to get me enrolled. I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX, advising me that although I satisfied all admission requirements for the XXXX program that I had not been selected based on their ranking system based on their admission exam scores and due to more applicants applying that they had spots for. On XX/XX/XXXX I got an email from XXXX XXXX the XXXX program chair to call her because I was next in line to be admitted to the XXXX program. During my meeting with the admission staff, I was rushed through the process of applying for federal student loans, never given the answer as to the the total cost of the program ( even though I asked for the total program costs ), and I was pressured to sign the paperwork if I wanted to get in now because they could offer the spot to someone else. Classes started XX/XX/XXXX. I never received any enrollment packet that outline what's required to graduate. I was not given or ever shown the XXXX XXXX note until after classes had started. I did not electronically sign anything & only ever signed financial loan papers once when I went in to sign up for school. I attended XXXX XXXX with the understanding that all of my loans were federal only to find out later that a high interest private loan had been attached to my package without my knowledge. I was also required to pay {$1800.00} cash out of pocket because I refused to take out another loan. I was told that if I didn't take the loan or defaulted on my scheduled payment I would be expelled for non-payment. I struggled but came up with the money to pay. I paid {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX and {$530.00} on XX/XX/XXXX. I was not advised of any grants or scholarships that were available to me. I asked about more state aid and was told that I didn't qualify for more state aid which wasn't true. At that time there was an XXXX XXXX XXXX scholarship available, which was one of many opportunities that I found out about after the fact. No one ever told me I was taking out a private loan. I was lead to believe all my loans were federal loans. I never received any paperwork until after signing documents to attend school. My servicer, Navient, has not applied the judgement relief per the case # above pursuant to the Indianas Deceptive Consumer Sales Act, I.C. 24-5-0.5 et seq.- " Incurable deceptive act '' means a deceptive act done by a supplier as part of a scheme, artifice, or device with intent to defraud or mislead. And has been continuing to collect on this loan from me.
Company Response:
State: IN
Zip: 46214
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My wife and I consolidated our student loans in 2004 (? ) because we were led to believe we would receive a better interest rate, but when we got our first payment notice, the payment was too high for us to pay. We were not told that that would reset the clock for the period of repayment, so the 25 year clock was reset. We started with a debt of about $ XXXX. When we contacted them about the payment amount being more than we could afford they gave us a forbearance. We were not informed that we had a limited number of forbearances we could have or that the interest would be capitalized and added to the principle every year. A few years ago, when we tried to get a new forbearance, we were told we had used all our forbearances and could no longer get one. We didn't want to default and after many phone calls and much frustration, were able to get on an income based repayment plan. The principle had climbed to over {$200000.00} by that time and now our payments don't even cover the interest. Unless we take evasive action, our estate, when we die, will be consumed by our student loan debt and our kids will receive nothing. I have no problem paying back a debt I owe, but I feel as if I was cheated by Navient.
Company Response:
State: ID
Zip: 832XX
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
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 need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Dear Sir or Madam, 1. NAVIENT Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX and XX/XX/XXXX as well as 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 150 days late on XX/XX/XXXX. I immediately disputed this information with NAVIENT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I called into DEPT OF ED/NAVIENT in regards to 2 alleged accounts reporting on my XXXX and XXXX consumer reports. DEPT OF ED/NAVIENT has no record of the accounts, no original agreement, no documentary evidence of indebtedness, yet still continues to report these fraudulent accounts. I demand that DEPT OF ED/NAVIENT cease reporting this inaccurate, unverifiable, and incomplete information. I demand that DEPT OF ED/NAVIENT request to have both of these accounts and all remarks removed from my credit report.
Company Response:
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I called Navient on XXXX XX/XX/2021 to speak with them about a reduced payment for my private student XXXX loans. I am currently out of work except for XXXX XXXX work due to COVID. I have a XXXX and an XXXX, so finding a full-time position is not easy. Companies are actively discriminating against older, experienced workers with high levels of education - and especially those, like me, with what are called " XXXX ''. I offered to pay Navient {$200.00} a month on my loans, but after speaking with several layers of supervisors they would not allow to me to pay {$200.00} ( until I find new employment ) and insisted that I sign forms to commit to paying {$440.00} each month for 6 months. Since I do not know when I will be able to find gainful employment, committing to such a payment right now may make me homeless. I do not have the resources to commit to that level of payment until I find a new position. Throughout the pandemic, Navient has been a complete pain while accruing high interest and insisting that I pay fees when I sign up for forbearance. Navient is a criminal evil company. For this complaint I am looking for the following actions : 1. I want Navient to stop torturing US citizens with their financial terms nonsense, especially during a pandemic when millions of Americans have lost jobs and when employee rights are being violated. 2. I want Navient to be forced to accept whatever payments I can afford until my employment situation stabilizes. 3. I want Navient removed from being able to offer student loans to US students. Navient is a criminal enterprise that has no empathy for people with XXXX or hardships.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NAVIENT SOLUTIONS LLC attempting to communicate with me without my consent about an alleged debt. I do not know NAVIENT SOLUTIONS LLC nor do I owe them anything. NAVIENT SOLUTIONS LLC are violating my federal protected rights and asking me to fill out discharge form when I dont owe them anything. Furthermore, I never gave NAVIENT SOLUTIONS LLC my consent to furnish an account in their records with my private information. This alleged debt theyre trying to accuse me of is not mine nor will I pay for it. NAVIENT SOLUTIONS LLC stated they will continue to violate me and keep causing severe damages against my consumer report. NAVIENT SOLUTIONS LLC believe they loan me, a consumer, something but that isnt the case. I do not know NAVIENT SOLUTIONS LLC. I am attaching a debt validation letter, Cease and desist, Affidavit of Truth w/ Exhibits, an invoice for the damages NAVIENT SOLUTIONS LLC caused, and an Identity Theft Report. I do not wish to do business with NAVIENT SOLUTIONS LLC nor allow my reputation to be ruined any further. Pursuant to 15 USC 1692k I am seeking monetary relief for the damages.
Company Response:
State: NC
Zip: 27704
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I attended a private vocational school called XXXX College in XXXX and XXXX and was encouraged to have my parents cosign on private loans to pay for living expenses. I was never told that if something happened and I had to drop out of school, I would have no recourse for discharging the loans. In XXXX I had a XXXX XXXX XXXX crisis and had to leave XXXX College. Ever since, they have still held myself and my parents responsible for loans on a program that I was never able to complete due to XXXX. My parents have been paying the loan ever since as I was unable to pay myself and they did not want their credit affected negatively by the loan. I recently called Navient to try and work out a lower payment so I could take this on myself or remove my parents as cosigners and was told that I had no options. I am actually a Public Servant now and Navient told me I could not use the Public Service Loan Forgiveness program for these loans either. To date, they have offered me no flexibility in repaying the loans for a program that I was not able to complete. Please respond and let me know if there are any options I can pursue. I am considering bankruptcy and since I do not want my bankruptcy to affect my parents, I can not include these loans in the bankruptcy.
Company Response:
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A