Date Received: 2021-08-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: FSA User ID : XXXX I would like clarification on the 90-day and 120-day late payments that Navient are reporting to all 3 major credit bureaus ( XXXX, XXXX, and XXXX ). I have a federal student loan ( FFELP ) backed by the Department of Education ( Sallie Mae ) and per the C.A.R.E.S. Act - Coronavirus Relief, student loan payments have been paused/extended beginning XX/XX/XXXX until XX/XX/XXXX. However, Navient continues to request monthly payments from me ; they continue to charge daily interest ; and every month I receive payment reminders and no-payment received notifications. Since Navient is the servicer of my federal student loans, I feel as though my student loans should be eligible for the relief, regardless of how Navient categorize them. Per the Coronavirus Relief, Navient should stop collections on defaulted loans ; my loans are and were in default at the time the president signed the C.A.R.E.S. Act into law. Therefore, Im thinking that Navient should not be requesting payments from me at all on my federal student loans until after XX/XX/XXXX. The Dept of Education reports my Stafford loan as 2 separate loans - subsidized and unsubsidized, while Navient reports the same loans according to the date payment was made to the school, XXXX XXXX ( see attached ). Arent they the same loans? I only applied for one student loan on FAFSA. I am confused as to why one would be eligible for the pandemic relief and the other would not since they are one in the same. Lastly, according to the Coronavirus Relief, under Which Loans Are Eligible for the 0 % Interest Rate, I feel that my FFEL loans are eligible for the relief. It states : FFEL Program loans owned by ED ( defaulted and nondefaulted ) AND - Defaulted FFEL Program loans not owned by ED.
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ). NAVIENT is a creditor as defined by 15 USC 1692a ( 4 ). NAVIENT alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). NAVIENT is a corporation whose residence is in the state of PENNSYLVANIA. XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to correct the incorrect " LATE PAYMENT '' marks on my account sinceXX/XX/XXXXand XX/XX/XXXX NAVIENT has failed to supply any record of payment under the original creditor SALLIE MAE as requested and has not verified the claims of the late payments. ALLEGATIONS/COMPLAINT : -NAVIENT in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers without verifying its validity after I the consumer notified them in writing that this alleged late was payments were incorrect and I was taking steps to investigate it personally. -NAVIENT in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). - NAVIENT has caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.
Company Response:
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I work in a covid unit. PEOPLE ARE DYING. Pandemic is spreading Navient robo-calls are constant on my office phone. XXXX XXXX numbers are : XXXX XXXX XXXX XXXX, XXXX XXXX ( who is on the recording ) does not exist. I don't have time for this XXXX. Calls must stop immediately.
Company Response:
State: NJ
Zip: 08902
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was working for the State of Maryland beginning XX/XX/XXXX, a qualified employer for the PSLF program. I sent in my certification forms for the program and I had been in touch regularly with Navient, who my loan servicer for my Federal Student loans. I completed my annual forms since the beginning to maintain my payments I received something in the mail that my account was transferred to XXXX XXXX as a result of receiving a PSLF employer certification form. I was confused as I have been completing the forms and my recertifications. I sent a copy in XX/XX/XXXX of my forms dated from XX/XX/XXXX to Fed loan who provided me with my eligibility statement showing I had only made 13 qualifying payments. They advised me that the previous servicer was who reported the qualifying payments. I contacted Navient and launched a complaint for a new review of my qualifying payments because I had been in regular contact with them and was unaware of any possible problems. I received a response letter dated XX/XX/XXXX that my account was transferred to XXXX XXXX on XX/XX/XXXX as a result of receiving a PSLF certification form ( as if this was the first time, but I digress ). It went to also say that my repayment plan had a series of postponement that did not qualify under the program. I am finally advised after all these years that my Payments were not qualifying payments from XX/XX/XXXX to XX/XX/XXXX because I was on deferment. I went back in my records and the earliest document I had saved was dated XX/XX/XXXX reminding me that my current 12 month IBR plan period will be expiring soon and to reapply before XX/XX/XXXX. So I know I had the proper IBR repayment plan in XXXX with Navient and PSLF forms were sent in from my employer. Why in XXXX was my loan transferred to XXXX XXXX when they say they received my employment certification form. I was XXXX so I asked the ombudsman if they could pull any recordings of my conversations with Navient because I had lost upwards of 18 payments obviously to a misunderstanding of some sort and how can we confirm that I was given the wrong information. It has recently come to light that there have been deceptive practices with student loan servicers and I would like a independent review of my particular situation because I feel that the payments should have been credited.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: On XX/XX/XXXX I received letter that my IDR was approved - this letter was postmarked XX/XX/XXXX and received by me on XX/XX/XXXX. The letter stated I would be receiving payment information under separate cover. I received NO PAYMENT INVOICE/BILLING until yesterday, XX/XX/XXXX ( postmarked XX/XX/XXXX ) now stating my bill was past due and a late fee had been applied and I owed 2 months payment On XX/XX/XXXX I received a call at XXXX XXXX from phone number XXXX no caller identification with a voice mail from XXXX saying it was Navient about a past due bill and to call XXXX. At XXXX I called XXXX and told the person ( XXXX ) that I was returning the call to XXXX XXXX XXXX would not connect me with XXXX but instead wanted all my information. The first thing XXXX wanted to do was put me in forbearance which I had not asked for or even discussed. I again asked XXXX to transfer me to XXXX - which she did not do. I asked XXXX why I was getting a call for a past due bill as I had never received an original invoice at my address. She also pressed me to obtain my email which I did not want to do, sign up with Navient online-which I did not want to do, take a payment over the phone ( I informed XXXX that until I had a correct invoice indicating the amount due I could not make that payment ). I told XXXX that I was not late due to Navient not sending me an invoice/bill in a timely manner. What seems to be happening is that NAVIENT is sending out invoices that the borrower receives AFTER the payment due date - which should be addressed by the CFPB. Finally, after trying to pry information from XXXX - she came up with changing the payment date. I am requesting that a corrected invoice/bill be sent to me immediately in a timely manner to allow enough time to submit payment. I want any late charges documented as removed. That a borrower has to pry information out of NAVIENT is reprehensible instead of Navient offering different solutions that are a benefit to the borrower. I DO NOT WANT NAVIENT CONTACTING ME BY EMAIL.
Company Response:
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This compliant is not about my current student loan servicer, but about Navient regarding refinancing my student loans. While the information on the sheet is accurate and has a disclosure at the bottom of the letter, the issue is whether borrowers may not understand or realize the problems they could face refinancing their federal student loans with their private student loans. Further, the correspondence offers borrowers Prescreen & OPT -OUT- Notice by calling XXXX, but in order to opt-out borrower must provide their full SS # 's. If this letter is not from Navient, we could have a lot of harm borrowers with stolen credit information on our hands.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
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: Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Company Response:
State: CA
Zip: 95670
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My daughter attended XXXX XXXX XXXX back in XXXX. She obtained several loans to continue her education, however she continued to defer the payments, filed bankruptcy, I also filed bankruptcy, she continued her education and I feel that the school used her original FASA forms from XXXX when she began college to continue to file for funds for her education. She is now XXXX and Navient ( who I believe holds the loan ) continues to call, harass me for payments. I don't feel that I should be responsible for this loan. Also the interest is 8.5 % and the original loan was {$10000.00} and because she kept deferring the interest continued with a student loan balance of {$24000.00}. Again, I don't feel I should have to re-pay this loan.
Company Response:
State: VA
Zip: 23322
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was going through a divorce while living overseas and was unable to submit the forbearance/deferment application on time and reported as 90 days late. I provided information about my divorce decree with no charge. Navient has also been charging me interest on my student loan when there has an Executive Order issued to suspend interest on student loans.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I never consented to having my federal student loans be put on hold due to COVID through the company Navient. I received the National Emergency Forbearance automatically, with my last payment being on XX/XX/2019, something that I never agreed to or opted into. Prior to this I was paying {$490.00} automatically every month, {$100.00} more than the minimum monthly asking price. I'm looking at my statements now, as I'm trying to get a home loan, and notice that for the past 17 months I haven't had those withdrawals taken out. This is absolutely crippling to my future. The audacity that anyone has to stop someone's payments without their written consent is infuriating.
Company Response:
State: MA
Zip: 02062
Submitted Via: Web
Date Sent: 2021-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A