Date Received: 2021-08-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was completely in the dark about why my loan forgiveness was denied multiple times. I spoke to numerous customer service reps at Navient who kept telling me something about a loan before XX/XX/XXXXwas consolidated and not paid off. I was never told by any reps of the steps that I needed to do to be able to receive loan forgiveness. I was never told not to consolidate the loan from before XX/XX/XXXXin order to qualify for the forgiveness. Now, over XXXX payments later, I found out that I had to move my loans to another servicer and start from payment number 1 again. Navient told me nothing! They made an insane amount of money off of me which cost me another 10 years of my life paying off loans that should have already been forgiven.
Company Response:
State: CT
Zip: 06705
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I told him that I dont have money If you guys want to take XXXX bucks a month or a week I can do that And just feels like Im getting the runaround that I have to upload this up now that I tried clicking or upload it just doesnt let me add more stupid questions are asking me do this do that I dont need this XXXX Im sorry for my language
Company Response:
State: CA
Zip: 91706
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a total permanent XXXX and my student loans have been discharged. I am having trouble getting the student loans ( 2 ) that I am a co-signer on deleted from my credit report. NAVIENT XXXX BAL . {$15000.00} and NAVIENT XXXX BAL : {$3300.00} On all 3 credit bureaus. I don't understand how these accounts can remain on my credit report when my own student loans have been discharged. There has to be a way to delete these items.
Company Response:
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I work in the XXXX XXXX it was affected by Covid-19. I went from working full-time hours w/ monthly bonuses to part-time hours with no bonus, almost a 50 % decrease in income. I have been in forbearance, but was informed that this is no longer available. I asked about lowering the payment, but they could only lower the payment about {$34.00} using an extended borrowers repayment program, extending my loan repayment terms to 35 years. The monthly payment would be & XXXX. They then offered a rate reduction modification program that would lower my payment to {$490.00}, so only a few dollars less than the previous option. The rep, XXXX informed me that if I wanted to crate my own payment amount l, it requires me to provide Navient with an itemized list of all of my monthly expenses, and that it would require manager approval. She stated that manager approval options are slim. She then resulted to telling me that they dont report to the credit bureaus until after three months of non payment, so I wanted to wait and figure it out I could. That was disheartening to hear, especially knowing that they would continue to call my phone asking for payment and not provide any options for three months. I also emailed Navient in the online portal and I received a message to call. The most that could offer in repayment is around {$150.00}, and that only of overtime hours are offered at my job.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated XXXX XXXX Date Opened : DATE XX/XX/2002 I don't have contractual relationship with this company. I don't recognize this Account. Please provide me the name and address of the original creditor. Account NumberXXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Tennessee, Contracts, oral or written, and Promissory Notes have a statute of limitations of 6 year
Company Response:
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Navient has been calling multiple times a day harassing and threatening me. I would like them to stop calling, and I've asked them multiple times to stop. They have called everyday ( including weekends ) 8-10 times a day. They threaten to take legal action, contact my employer, and they have called my family members.
Company Response:
State: PA
Zip: 15044
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
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: The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Company Response:
State: CA
Zip: 937XX
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Several Private Primary Academic to Graduate-Professional Student loans were compromised post final payments disbursed and settlement agreements confirmation by multiple lenders for graduate programs within the USA. Multiple state universities and colleges have filed and successfully submitted ( won ) cases involving money laundering and student loan theft in connection with the graduate dissertations, loan approvals, loan payments to the universities and colleges ( domestic/international ), congressional boyfriends ( XXXX men names none disclosed ) claim of underwriting extortion by my degree issuing schools, consolidated loans scams aimed at former full time employment agreements, stock ( probate scams/ market savings/403 ( b ) /401 ( k ) / Private IRA ) options fraud within majority of US corporate entities and accounts. Inheritance of ( XXXX XXXX XXXX XXXX stock records + acquisition of original & renewal ( bonds/free-sale/booking slots ) options which are being used as active military death threats by several actual and impersonating chiefs warrant officers in advance of organized criminal communities since XXXX.
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been complaining about Navient for a long time and had given up. I tried to get my brother off as a co-signer as he had XXXX and wanted to get this off his credit for his finances. I have been paying the loans. I paid on time for over a year and denied again. I have decided after that Navient is a disgrace. Then I did not get a raise last year because I can not make anymore money in my role at work. I can not make more than {$60000.00} a year. I spent all of Covid taking care of my ill mother who is XXXX. Its been an economic struggle. My Navient loan never goes down, and I can not refinance them. This company is disgusting and now I started paying 10-15 days late because I am so disgusted. Why didnt they take the co-signer off? Theres always an excuse. Why cant they lower the interest rate? What an outrage and trampling of human beings. Im XXXX years old paying for my sons education. I have paid for my sons private education since kindergarten it is my greatest and most proud gesture as a mom. My ex husband never paid a XXXX. I feel that Navient is wrong with co-signer relief, with interest rates and most importantly the loans never go down.
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This all seem to have started XX/XX/21 when I saw this strange phone number of XXXX appear on my phone which I did not answer because I do not answer numbers that I am not familiar however, It kept showing up without leaving messages. On XX/XX/21 I decided to answer the call and a lady on the call ask to speak to XXXX XXXX and I ask her who she was and which we went back and forth for a minute until she stated she was calling from Navient about a delinquent loan in which I to her that was not true because they get paid every month before I even see the money and hung up on her. I went and look at my account online and to my surprise it was showing 3 dates where full payments had not been received. Dates of XX/XX/21, XX/XX/21, and XX/XX/21 were showing that only {$50.00} was applied to the loan which is an incorrect amount because ever month I have a payment amount of {$98.00} sent straight to them from my payroll allotment. They receive this twice a month to equal the {$190.00} that is do by the XXXX of the month. I checked my went only to my employer paystub for those time frames and the money was sent to that allotment as the current on so no payments were missed. After seeing this I call Navient 's customer service number XXXX in which I went over all this with a rep and explained this to her. I explained to her this should not be happing because the company sees the money before I even see it so Navient need to find the money. She explains the I would need to submit proof of my pay stub for them to do the research. I asked her why should I do that because you have the money I call you and told you have and that should start you to looking in which she explained she can only see what I see on my online account as well. I explained to the I will be doing this but I am requesting a detailed letter of what happened to my account and documentation the account has been updated and corrected. With that being said I faxed over the paystub to them all of this on XX/XX/21 along with copy of a print out of my what is showing on my online account. A week goes by and on XX/XX/21 I check my account online to see if they updated anything because that did give them time in which the young lady said it should take about that for me to see and update however it is show that my account is still in the red and delinquent and my loan balance is higher because of fees added. It is on this day that I call them twice in which the second time I end up requesting to speak to a supervisor. It seem that she said her name was XXXX and she stated that the account was being work on and that the money was found but it was applied to another account. I told her that I was told in a call before that money was sent to collecting and it should not be in an collections because Navient has been paid for years this way and I am requesting a detailed explanation sent to and the account updated and the calls to stop because I should not be in collection and I have sent you proof. She stated to me that she would have all of this taken care of and that they do see that my proofs have been received. however I have been receiving calls since then because on XX/XX/21 I received a call 3 times for XXXX and the reason I know it was them because at one point the left me a message on my voicemail. I called the number back and as usual that asked about payment arrangements and I then asked her to look at the notes on my record and she did. I explained to her I am going to once again ask that you stop calling me and that my account to corrected and I be sent a detain letter of everything. so I truly hope being that I have not gotten them to resolve this issue your office can help me.
Company Response:
State: VA
Zip: 23235
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A