Date Received: 2023-10-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Navient is contacting family members who are not in my household with unlisted, unreported numbers in disregard of the FDCPA authorization of third-party allowances. They identify themselves as being from Navient and are attempting to reach me. XXXX XXXX at XXXX is claiming 2 family members as contact references that I know are not included on my contact list.
Company Response:
State: IN
Zip: 46052
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Because XXXX in 2017, student loan collections have continued to ignore my XXXX paperwork and aggressively pursue me in collections and with harassing phone calls.
Company Response:
State: FL
Zip: 33952
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My issue is with Navient. I have two accounts the first one is as follows : In the past 4 years ( this is only how far back I can see with XXXX XXXX ) I have paid {$15000.00} on a {$18000.00} loan and they are still showing I owe them {$19000.00}. My balance went up by XXXX. I had three missed payments between 5 to 7 years ago and I don't see how they could be charging a {$20000.00} late fee. The Second one is for a loan for {$5000.00} that shows I owe {$5800.00} ( XXXX ) In the past 4 years I have paid them {$4500.00} Please keep in mind I am only able to see back 4 years with XXXX XXXX If I recall I took over paying them when they were past due by 3months around 7 years ago and have never missed a payment since. That would mean I have paid a total of {$34000.00} on a total loan amount of {$23000.00}
Company Response:
State: OH
Zip: 455XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Navient is harassing me, calling dozens of times a day and calling family members as well as people unrelated to me that i have not spoken to in years.
Company Response:
State: VA
Zip: 23225
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Sallie mae consolidated loans at XXXX XXXX. Borrower paid timely at XXXX XXXX Navient became loan servicer of Salliemae loans and changed interest rate to XXXX XXXX at an unknown date. XX/XX/23 telephone call Navient refuses to provide reasons why or how the loan terms changed without borrower approval. Borrower seeks to repay at XXXX XXXX per terms of sallie mae repayment consolidation. Navient refuses to provide copies Sallie mae documents or Navient loans of the terms of assignment of loan from Sallie mae to Navient
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My federal student loans became private without my consent. Seeking cancellation and discharge of student loans.
Company Response:
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: As a young college student, I took out student loans from Sallie Mae, now Navient, in XXXX, XXXX, and XXXX after my parents could no longer pay out of pocket for college. I took out {$25000.00} in total. For the past 13 years, the recent Account Payment History Report I received in the mail indicates I have paid {$26000.00} in principal, interest, and fees, and {$28000.00} overall ( per the table on my online account ). Despite this, I still owe {$39000.00} as of today. Currently, that's a total of {$67000.00} on a {$25000.00} loan. The balance has remained around {$39000.00} for years and interest keeps accruing and fluctuating. In addition, the estimated pay off date is XXXX/XXXX/XXXX, which means I would be paying on this loan for 30 years. Out of the total amount I've paid thus far, only {$6900.00} has been applied to the principal. Most recently, I have spoken with reps on XX/XX/XXXX, XXXX, and XX/XX/XXXX. The last rep I spoke with indicated that this loan is " like a mortgage except mortgages don't allow you to take 2 year forbearances in reference to what I did back in XXXX ( to obtain my Master 's degree ). To note, Navient freely offered the forbearance at the time when I called to reduce my monthly payments. I also refuted the representative 's statement that Navient student loans function like a mortgage. Unlike any of my other loans, Navient is one of the smallest loans I've had in my life yet it costs me the most because there is no fixed interest. In addition, there seems to be no real target because it keeps moving due to the compounded interest. Moreover, the last rep repeatedly mentioned that I agreed to an interest only repayment plan in XXXX. However, that was the only option they offered when I requested to decrease my monthly payment. They did not offer any other options. Due my income, I couldnt afford to pay the monthly amount, which was nearly {$600.00} at the time. These loan practices are predatory and abusive at best. I asked to re-negotiate the amount owed since I've already paid over {$28000.00} to them but the rep told me that I couldn't because I was in good standing. This option is only available to those that are in risk of defaulting or have defaulted. I could try to refinance, but I still would have to refinance for the {$39000.00} amount. I most likely would end up paying over or close to {$100000.00} on a {$25000.00} loan if I continue paying Navient through the term of the loan. I would like to file a compliant against a company that is allowed to prey on consumers and enforce never ending financial hardships.
Company Response:
State: TX
Zip: 75605
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: We have been paying on this loan since roughly XXXX the loan changed hands in roughly XXXX and we now owe more on the loan than what we originally started with and we had been making regular payments up until a few months ago. This is a XXXX XXXX loan.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I overpaid my student loan several years ago. Navient has not returned my overpayment despite multiple requests.
Company Response:
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On or about XXXX XXXX XXXX, in support of helping my granddaughter with her loan repayment I spoke with a Navient representatives to arrange a payment structure that would allow me to apply for co-signer release. At that time Navient stated that if I agreed to monthly automatic debts of {$630.00} from XXXX XXXX XXXX - XXXX XX/XX/XXXX, I could apply for co-signer release. No other conditions were revealed to me at the time this arrangement was made. With the financial help of my sister, I honored the agreement. However, when I tried to apply for co-signer release in XXXX, XXXX, Navient then stated additional terms, most notably that my granddaughter would need to pay over {$1000.00} a month for a term of time before I could be considered for release. That amount was and continues to be beyond my granddaughter 's financial capability. Nevertheless, I continued to help my granddaughter with paying on her student loans by sending money directly to her. Around XX/XX/XXXX Navient and my granddaughter hit an impasse regarding the amount of money she could pay each month. Navient then began harassing me. Most of the Navient representatives have been aggressive and hostile ; most especially XXXX XXXX ( # XXXX ) with whom I spoke on XXXX XXXX XXXX. The unrelenting, hostile nature of Navient representatives has resulted in my experiencing physical XXXX XXXX, including the inability to control my XXXX XXXX XXXX and XXXX XXXX
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A