Date Received: 2023-09-27
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I have attempted to have repayment plans with Navient multiple times now. I was on an auto payment plan with Navient that was charging up to XXXX a month. I begged them for lower but they refused. My payments suddenly stopped in XXXX of XXXX. I called them in XXXX when I noticed. They claimed in XXXX that I am under a " emergency forebearance ''. There is no emergency in my area or my co-signers area. The caller refused to explain or remove the forebearance. I told her I just want to make my monthly payments. She said she would get it removed. She told me everything with my payment plan was fine. One month later, no payment is processed again. I called Navient XX/XX/XXXX. I spoke to another person who claims I have no payment plan and my payment isnt due until XXXX. I asked her to explain to me why my payment plan stopped and she won't give any information. I received a letter in the mail that said the forebearance was gone so my payment plan should resume. She says I can't be on the same payment plan for XXXX because of my " credit ''. I asked her multiple times to explain this to me specifically. My credit score is fair. She demands I have to now pay XXXX a month. I asked her again why cant I pay what I have been paying. She keeps claiming " credit '' but refuses to explain. I asked to speak to someone else because she is refusing to help me. She brings on someone else who tells me that they have no obligation to help me, work with me or to try to help me lower my payments. She refused to explain why my payment changed from XXXX in XXXX to now them wanting XXXX dollars. She told me to have a good day so I hung up. I don't understand what happened, what changed and why wouldn't they just continue my same plan? Why is it unreasonable for me to call and ask? I had been paying them on time every month since then. Now because my jump in payments I am behind. I went onto Navient 's website and they had a repayment plan for XXXX. This is cheaper than what she even said. None of this makes any sense, this company is completely disorganized. I am on XXXX for XXXX and get one paycheck a month. I don't understand why they can't work with me and allow me to continue paying XXXX a month and they refused to explain it to me over the phone or in writing. Instead, they not only refuse me, but gaslight me then insult me and make me even more concerned. Unprofessional.
Company Response:
State: IL
Zip: 60053
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I applied for financial aid, a private student loan, from XXXX XXXX in XXXX or XXXX of XXXX On XX/XX/XXXX I received a disbursement in the amount of {$7700.00} With an interest rate of XXXX XXXX the total accrued interest is {$8200.00} Repayment of the loan began on XX/XX/XXXX. CFPB obtained a judgment barring XXXX from offering or providing student loans. Currently this loan is being serviced by Navient. On XX/XX/XXXX I was informed by the Department of Education that " XXXX Department of Education ( " Department '' ) has determined that the loan ( XXXX ) you received to attend a school owned and operated by XXXX XXXX XXXX from XX/XX/XXXX through its closure in XX/XX/XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( XXXX ) will be forgiven. You do not have to make any more payments on the loan ( XXXX ). '' Additionally XX/XX/XXXX Navient reached a settlement in regard to these kinds of personal loans. Navient has placed all Federal Student Loans from XXXX in my name in forbearance in accordance with the legal outcome, until they can be fully XXXX. The private loan has been paid to a remaining balance of {$1700.00} as of today, XX/XX/XXXX. For clarification, of the {$7700.00} principal and {$8200.00} in accrued interest, {$14000.00} have been paid against this predatory loan.
Company Response:
State: OK
Zip: 73072
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Dealing with your lender or servicer
Subissue: Co-signer
Consumer Complaint: Greetings, I am including my congressional representative in my correspondence since he has been with me in this and guiding me in the process ( Rep XXXX XXXX ). From the beginning : I cosigned a student loan ( approx XXXX ) in XXXX for my ex wife with Navient ( XXXX ) I divorced in XXXX ( XXXX yrs ) I found out she has not been paying the loan, and it is now near XXXX ( last few yrs ) I have been barraged by calls from Navient to repay the loan. ( ongoing for the last few yrs ) I contacted Rep XXXX ' office, and they were able to get an advocate involved from Navient ( XXXX XXXX ). XX/XX/XXXX In the meantime, the loan has been moved to Navient Recovery. ( XX/XX/XXXX ) I offered to use one of the vehicles that Navient has available- " Cosigner release '' ( 12 months of payments in ordere to get released from the loan ). I offered to pay the 12 months + 8 months ( missed payments ) to resolve the matter on my end ( approx $ XXXX ) ( XX/XX/XXXX ) I was told that since it moved to Recovery, that was no longer an option, and that the payments had to be made by my ex-wife to be considered ... huh? ( XXXX XXXX ) She ( XXXX XXXX said I MAY Be eligible for " cosigner waiver '', but I had to go through the recovery department. ( XXXX XXXX ) Congressman XXXX office went and got AN ADVOCATE in company to avoid the run around I am experiencing. That is the short version. Navient has ruined my credit, and turned this into a nightmare. Sincerely XXXX XXXX
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: This is a NAVIANT XXXX loan that iam the co-signer of for my daughter. On many occasions, Naviant floods me with call all day if they can't reach my daughter. They also, because of what they call an old system, call me even if there is no issues with the loan. They are harassing me to a point that I had to call and complain to management. This approach still continues as of this complaint date.
Company Response:
State: SC
Zip: 29605
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. NAVIENT XXXX and NAVIENT XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response:
State: CA
Zip: 90247
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: All student loans ( both XXXX and private ) that were on my account with Navient were found to be fraudulent and were to have been purged. All negative credit bureau reporting was to have been reversed. While the amount of the loans has been removed from my credit reports, my credit scores have not been adjusted accordingly. In addition, Navient is to reimburse all payments that I ever made made on all loans that they serviced, including all fees and interest that was paid. This comes to roughly {$25000.00}. They have refused to have the credit scores adjusted, they have refused to reimburse the monies they legally owe me and even though all loans list XXXX amounts, they continue to list due dates on some of them.
Company Response:
State: WI
Zip: 53151
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. NAVIENT XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Struggling to repay your loan
Subissue: Bankruptcy
Consumer Complaint: I have reached out to Navient numerous times in an attempt to lower my monthly payments and/or lower my interest rate. Every time they strongly suggest putting the loan into forbearance until I am able to make the monthly payment. I do not feel this is an acceptable option. The loan was acquired by Navient from Sallie Mae in XXXX at the amount of {$10000.00}. Even with the amounts paid since then the loan balance sits at {$10000.00}. There is a current amount of {$38000.00} in Accrued Interest. How is this acceptable? How is anyone alive able to crawl out of this? My wife & I were forced to file bankruptcy when the pandemic hit. Yet the loan still stands and payments are still being made. I feel Navient has gotten more than their fair share at this point.
Company Response:
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have been defrauded by my now defunct college, XXXX XXXX XXXX XXXX. All my Federal Student loans have been forgiven in a XXXX XXXX case, but I am having problems with a Private Loan from you - Navient ( formerly XXXX XXXX ). As you know, there was a lawsuit against Navient for unlawful practices, and I SHOULD HAVE BEEN included but NEVER received any information on this. I have been pleading and contacting you for years about my case, and have continuously been ignored and punished. I am struggling to make ends meet, as I have XXXX young children, and am unemployed. The loan is XXXX, as the interest alone is 18.375 %. I have been paying for years, and the balance keeps RISING, because I can not afford the payments, and you have not only damaged my credit, but my ability to have any kind of options for living. Take my loan OUT of the negative report, and remove the balance, as this loan is OBSOLETE. Thank you for your help.
Company Response:
State: IL
Zip: 60013
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: In deliquency right now. Trying to make some payments but due to health issues I am not able to make the current amount. Need some help spreading out the payments or figuring out something. They won't help me.
Company Response:
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A