Date Received: 2021-09-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Alright call me, XXXX XXXX XXXX I couldn't put the school down because the school doesn't exist. I need my money back. I have all my paperwork and I was on the lawsuit but never heard anything yet. The School was a scam and Navient harrassed me and my co-signer when we were suppose to release from the loan. School was shut down before I could finish it and I filled out the paper work from day one to get out and they denied it which they can't deny it. I need my money back now! PLEASE CONTACT ME XXXX XXXX
Company Response:
State: IN
Zip: 46140
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I would like the CFPB mediation in this matter. Some of the loans were dismissed if you were in a certain XXXX situation. I fit the description but Navient noted the loan would be dismissed, but it was placed on someone else account and not dismissed. Thanking you in advance for your consideration.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Charged " Unpaid Fee '' of XXXX for 4 plus years. From XXXX to XXXX. Navient never told me that the fees were only going to need to be paid once, and at the end of my loan payments. I paid this fee for years and it never went toward any unpaid fee. It was being allocated to pay down interest. It did not even go towards the principal amount owed. I decided to ask about the fee after years of paying it, because I wanted to know how much more I owed in unpaid fees. I believed because I was being charged the fee every month, I must owe for making late payments in the past. Customer service informed that I did not owe any more in unpaid fees and that I did not have to pay it every month, yet I was never informed of this or told that it was meant to be a one time payment.
Company Response:
State: TX
Zip: 77381
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: On XX/XX/XXXX, my lawyer send a letter to Navient about contacting a relative who was not an authorized contact person. I requested that they stop contacting relatives. I also asked Navient to send promissory notes on the private loans they continue to hassle me about. Navient never showed the promissory notes for the private loans which have crippled my credit since XXXX.
Company Response:
State: AL
Zip: 35801
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On or about XX/XX/XXXX I learned that my federal student loan service by Navient has been on administrative hold due to a pending Borrower Defense application submitted on or about XX/XX/XXXX to the Department of Education, that I shouldn't have been making payments as I was doing. I wasn't notified by Navient that the account has been on an administrative hold, Navient constantly collected payments from me knowing this information. I reached out to a rep at Navient regarding this matter, asked for a refund which I am entitled to. The rep I spoke with at Navient confirmed this, calculated the total of my refund since the my account was placed on hold. She informed that refund will be issued within 7-10 business days. On or about XX/XX/XXXX I called Navient inquiring about the refund in which I didn't see, I was told by the rep that it due to the amount of the refund that the supervisor initially signed off on the approval wasn't authorized, it had to be submitted to an higher authority. I informed the rep that I rather have my refund direct deposit, she asked for my banking information to be direct deposit since I initially setup my payments via military allotment, the rep stated that I needed to provide something from my bank stating that was indeed my account information. My response to her why would I provide someone else banking information to get my refund. I provided the banking information from the bank as asked to do the same day. A few days later I was notified that the information that I provided didn't match what they have. I called Navient to informed them of course it won't match because it was created by me as a Military allotment after hours on the phone with them the rep ensure me that my refund was approved by the correct person that's authorized, it should be in my account within 7-10 days. On or about XX/XX/XXXX I called Navient to inquiry about the refund wasnt in my account, the rep I spoke with transfer me to the military side of Navient, I spoke with a XXXX, I had to explain everything over to her again about I had set up a military allotment, she stated that her counterparts didnt know what that is, since Im the borrower and the remitter Im correct the refund should have been sent back to me. And that the refund should hit my account around XXXX. My refund didnt hit my account as stated I called back to Navient , spoke with the rep XXXX XXXX XXXX had to give her all the information all from the beginning, after numerous holds and coming back to the phone she stated to me that the refund has been approve however it was an issue with my banking information, I stated to her that it won't match since it was a military allotment that was setup. She stated to me that she enters this information to a higher supervisor name XXXX that was working on my case along with XXXX to expedite it up since I was scheduled to get refunded awhile ago. On or about XX/XX/XXXX I called back after getting a notification that Navient sent my refund to XXXX XXXX XXXX XXXX ( XXXX ). I spoke with XXXX the supervisor that's supposedly working my case, he proceed to tell me different information from what his staff XXXX and XXXX told to me, and I told him as a supervisor he need to train his staff better with customer services, providing accurate information. He tells me since my information didn't match that Navient sent partial of my refund to XXXX and to the Treasury, they will issued the refund. Being so frustrated hearing what I just heard after the weeks of the constant runaround and the " thank you for your service '' I hung up. I'm not tired of hearing that " thank you for your service '', get treated like XXXX. After calming down I called back on XX/XX/XXXX, reached XXXX I asked her to provide me with the check numbers and addresses of where my refund went to she was able to provide the information for XXXX but not the Treasury address, I informed her a complaint will be made. I contacted both XXXX and the Treasury, informed that they haven't received a check from Navient, that Navient would issued the refund to me not them. On XX/XX/XXXX I contacted both XXXX and the Treasury once more to see they received anything regarding me and the reps from both agencies stated the same thing I was once told before by other agency. My complaint is Navient took my payments from me knowing that I have an application in and that they weren't required to, withheld informing me of the administrative hold and not to make payments. I would like to have my refund that is due to me.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I originally applied for a government school loan in XXXX, this loan since XXXX has been transferred to a private lender Sallie may to Navient. Even though this loan was back by the government I have no relief with the cares act. I can defer but still have to pay for interest, this is not fair and disgusting.
Company Response:
State: FL
Zip: 33625
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I got a late fee charge of {$19.00} on XXXX because I assumed I was going to have a break due to the pandemic but it did not happen. I always pay over the suggested amount given by Navient. In the last months I was supposed to pay {$300.00} and I have been paying {$310.00} but in the last month due XX/XX/XXXX I did not distribute correctly the payment and I got a non-paid {$7.00}. I have received phone calls about this. I requested to fix it and they charge me a late fee. The last customer service agent started very supportive but in the last 5 minutes was very mean and rude.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account take notice of my intent to sue. In previous months, I requested the repair of inaccurate pieces of information which another credit reporting agency found to be inaccurate and had fixed. Due to your lack of response, which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. correct these dishonors
Company Response:
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: i keep trying to get a hold of customer service for Navient because i want to make a pmt and i cant login in the website. there is no way of me getting a hold of a live person to speak to.
Company Response:
State: CA
Zip: 93637
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I enrolled in a program through my employer XXXX XXXX to get on a plan where my employer would pay $ 100 monthly specifically to my Principal balance on the designated loan XXXX XXXX XXXX monthly as long I am in good standing monthly for this loan. The funds have not been getting applied correctly. So far XXXX XXXX has made two payments for {$100.00} one on XX/XX/2021 and one on XX/XX/2021 for both the months of XXXX and XXXX respectively and XXXX XXXX did not post the funds to the Principal balance of this loan as requested. I called on XX/XX/2021 initially since the {$100.00} for the month of XXXX was not applied to principal only for loan XXXX XXXX XXXX. I requested that this be adjusted. The customer service agent stated they submitted a request to have this updated and said it would take a few days. The customer service agent also stated that they would make sure that the loan is notated so that funds are applied to the loan 's Principal each month, this did not occur and I had make a second call on XXXX since the correction was not completed. I was told the it will be corrected as before on XXXX call, but this request was not fulfilled. I called again on XX/XX/2021 and customer service acknowledged that the adjustment requests were not completed properly and neither one of the {$100.00} dollar transactions were posted to Principal correctly. She stated that she would do a special request to make sure that both instances of {$100.00} for the months of XXXX and XXXX are adjusted and posted to principal only to this loan. She also suggested I ask to see if my employer can address the payments loan moving forward. I agreed, though I was very annoyed because when I set up the program I was asked which loan to apply the funds to initially, which I provided. I am still very frustrated that I had to make 3 calls and this point in time, with my funds still not being applied correctly. Funds were not applied to the Principal balance as agreed and I had to call several times and there still no resolution. Please address this issue.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A