Date Received: 2021-08-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I completed my time at the school and made the agreement to pay the fees. I completed my payment and now when I ask the registrar at the school Regarding my account she continues to try to upsell me and ask that I return to the school she will give me a letter stating my fees were paid in full if I reenroll. I have explained to her on numerous occasions I will not be continuing my education at that school and it is hindering me and my credit. They have reported the information incorrectly and as long as I return to that school they will give me the proof I am requesting. I want the proof I am requesting so that I can have this removed from my credit. XXXX XXXX XXXX Alabama
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Presentment letter never received Contract sent to several different credit collection companies. Stated loans consolidated and or places in deferment and all are under same company. 2 were not places.
Company Response:
State: TX
Zip: 76504
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I had student loans from the 1990 's. I believe I was steered into costly forbearances, instead of income based repayment plans. I have been denied loan forgiveness, despite having worked for the XXXX XXXX for 14 years. Additionally, please find the uploaded document about money taken by Sallie Mae, Navient, XXXX. Despite having paid $ XXXX ( approximately ), I have had {$0.00} applied to the principal. My loans have now been passed off to XXXX to the tune of {$220000.00}.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Navient is still making harassing phone calling to my messaging phone number leaving messages and using this tactic to make sure there phone number do not show up. Navient is still emailing me about my loan payment, and when I look at my credit report it shows a negative amount and it is causing problems with my credit report.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: got this loan in XXXX at XXXX done paid over XXXX still owe XXXX in XXXX 14 years later
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: First, I have been charged student loan interest during the Government stay on Federal loans during the pandemic on multiple held loans by Navient. I will list each below. What they have done is taken off the interest amount and just added it to the principal of the loan. Resulting in my loan increasing during a lawful stay on loans. I'm sure this is not legal or complies with the lending standards. Fraud charge # 1 : XXXX XXXXUnsubsidized on XX/XX/XXXX of {$69.00} increase Fraud charge # 2 : XXXX XXXX-Unsubsidized on XX/XX/XXXX of {$240.00} increase Fraud charge # 3 : XXXX XXXX-Subsidized on XX/XX/XXXX of {$63.00} increase Loans XXXX & XXXX XXXX are also reflecting a 6.8 % interest active. Second, this caused me to look further into the insanely high balance reflected currently with my account. All these years I haven't had the time to dig in and pursue. I do have that time now. You are showing my total balance of {$76000.00}. Adding up all the loans reflecting on my account including interest, loans that were previously cancelled ( i'll explain this further next ), including all costs possible you have on there. I am coming up with a very different number. Including all listed the total amount actually is {$70000.00} at max. This does not include any payments made. Now, unless my calculator and education I paid too much for is failing me that is an issue on their part. I would like to think this would be a simple mistake or oversight from them, otherwise this would be taking advantage of students that are already struggling with costs for higher education. I would expect that to be corrected. Third, last but not least. There are a total of 5 loans from XXXX that have previously been filled on to be dismissed due to school fraud ( multiple lawsuits ) and closure. These loans are as follows. Loan # 1 : XXXX XXXX-Unsubsidized total {$2700.00} University XXXX XXXX Loan # 2 : XXXX XXXX-subsidized total {$740.00} University XXXX XXXX XXXX # 3 : XXXX Direct- subsidized {$3400.00} XXXX XXXX Loan # 4 XXXX Direct- Unsubsidized {$4200.00} XXXX XXXX Loan # 5 XXXX Direct-unsubsidized {$530.00} XXXX XXXX Grand total {$11000.00} I can be contacted directly via email at XXXX Cell ( XXXX ) XXXX are the best ways to reach me.
Company Response:
State: FL
Zip: 33993
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: An Affidavit of Truth was sent to Navient on XX/XX/XXXX which they received on XX/XX/XXXX. Navient had 30 days to respond which they did not respond within this timeframe with a validation of debt where I received a notarized letter which showed where Navient loaned me any money. According to the Navient website, private student loans are made by banks, credit unions, or finance companies, typically to students who need to borrow more than the federal loan limits allow. Navient operates under Truth and Lending laws, and because banks do not loan money, banks only borrow money pursuant to 12 USC 1431 ( a ). I demanded receipt of the debt validation and Navient sent me fraudulent documents. Pursuant to 15 USC 1692b ( 2 ) which states any debt collector ( Navient ) communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall - not state that such consumer owes any debt. No other documents will be accepted as a validation of debt other than the above mentioned. Navient claims that the disbursement date was on XX/XX/XXXX and there is an alleged unpaid debt in the amount of {$5700.00}. Again, I am not obligated to pay this debt pursuant to 15 USC 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shallnot state that such consumer owes any debt ; and I am the consumer and natural person pursuant to 15 USC 1692a ( 3 ) the term consumer means any natural person obligated or allegedly obligated to pay any debt. Also, pursuant to 12 USC 411 states Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal Reserve bank. Navient requiring me to pay this alleged debt is also the company asking me to commit an unlawful act by paying with Federal Reserve notes. The Federal Reserve notes Navient is demanding that I use to pay this alleged debt have not been redeemed in lawful money on demand at the Treasury Department of the United States in Washington DC or at any Federal Reserve bank. This alleged debt has already been paid, pursuant to 12 USC 412 ; Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 92, 342 to 348, 349 to 352, 361, 372, or 373 of this title, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of sections 348a and 353 to 359 of this title, or bankers acceptances purchased under the provisions of said sections 348a and 353 to 359 of this title, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under sections 348a and 353 to 359 of this title or any other asset of a Federal Reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks. Under UCC Subsection 9-102 " Collateral '' means the property subject to a security interest or agricultural lien. The term includes : ( a ) proceeds to which a security interest attaches ; ( b ) accounts, chattel paper, payment intangibles, and promissory notes that have been sold ; In other words, " collateral security '' as mentioned in this law is my signature which confirms that this debt was already paid at the time Navient released the student loans. This alleged debt has already been satisfied and no other unlawful Federal Reserve notes are due from me going forward. I also do not owe this alleged debt pursuant to 18 USC 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. The alleged debt was never my obligation but always the obligation of the United States.
Company Response:
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: An Affidavit of Truth was sent to Navient on XX/XX/XXXX which they received on XX/XX/XXXX. Navient had 30 days to respond and on XX/XX/XXXX defaulted on payment. Navient claims that the disbursement date was on XX/XX/XXXX and there is an alleged unpaid debt in the amount of {$26000.00}. I am not obligated to pay this debt pursuant to 15 USC 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shallnot state that such consumer owes any debt ; and I am the consumer and natural person pursuant to 15 USC 1692a ( 3 ) the term consumer means any natural person obligated or allegedly obligated to pay any debt. Also, pursuant to 12 USC 411 states Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal Reserve bank. Navient requiring me to pay this alleged debt is also the company asking me to commit an unlawful act by paying with Federal Reserve notes. The Federal Reserve notes Navient is demanding that I use to pay this alleged debt have not been redeemed in lawful money on demand at the Treasury Department of the United States in Washington DC or at any Federal Reserve bank. This alleged debt has already been paid, pursuant to 12 USC 412 ; Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 92, 342 to 348, 349 to 352, 361, 372, or 373 of this title, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of sections 348a and 353 to 359 of this title, or bankers acceptances purchased under the provisions of said sections 348a and 353 to 359 of this title, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under sections 348a and 353 to 359 of this title or any other asset of a Federal Reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks. Under UCC Subsection 9-102 " Collateral '' means the property subject to a security interest or agricultural lien. The term includes : ( a ) proceeds to which a security interest attaches ; ( b ) accounts, chattel paper, payment intangibles, and promissory notes that have been sold ; In other words, " collateral security '' as mentioned in this law is my signature which confirms that this debt was already paid at the time Navient released the student loans. This alleged debt has already been satisfied and no other unlawful Federal Reserve notes are due from me going forward. I also do not owe this alleged debt pursuant to 18 USC 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. The alleged debt is not my obligation but the obligation of the United States.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: An Affidavit of Truth was sent to Navient on XX/XX/XXXX which they received on XX/XX/XXXX. Navient claims that the repayment start date was on XX/XX/XXXX and there is an alleged unpaid debt in the amount of {$7800.00}. I am not obligated to pay this debt pursuant to 15 USC 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shallnot state that such consumer owes any debt ; and I am the consumer and natural person pursuant to 15 USC 1692a ( 3 ) the term consumer means any natural person obligated or allegedly obligated to pay any debt. Also, pursuant to 12 USC 411 states Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal Reserve bank. Navient requiring me to pay this alleged debt is also the company asking me to commit an unlawful act by paying with Federal Reserve notes. The Federal Reserve notes Navient is demanding that I use to pay this alleged debt have not been redeemed in lawful money on demand at the Treasury Department of the United States in Washington DC or at any Federal Reserve bank. This alleged debt has already been paid, pursuant to 12 USC 412 ; Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 92, 342 to 348, 349 to 352, 361, 372, or 373 of this title, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of sections 348a and 353 to 359 of this title, or bankers acceptances purchased under the provisions of said sections 348a and 353 to 359 of this title, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under sections 348a and 353 to 359 of this title or any other asset of a Federal Reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks. Under UCC Subsection 9-102 " Collateral '' means the property subject to a security interest or agricultural lien. The term includes : ( a ) proceeds to which a security interest attaches ; ( b ) accounts, chattel paper, payment intangibles, and promissory notes that have been sold ; In other words, " collateral security '' as mentioned in this law is my signature which confirms that this debt was already paid at the time Navient released the student loans. This alleged debt has already been satisfied and no other unlawful Federal Reserve notes are due from me going forward. I also do not owe this alleged debt pursuant to 18 USC 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. The alleged debt is not my obligation but the obligation of the United States.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I AM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL ITEMS.
Company Response:
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2021-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A