Date Received: 2021-08-02
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have been paying on my student loan, and the balance keep going up. I called and they say that is the interest that was not paid in the past. I still pay on my loan doing the Covid-19 I never missed a payment. I just want my money to show for something.
Company Response:
State: LA
Zip: 71106
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Navient did not keep their word. I was a co signer on my daughters student loan and was told after two years with her having a favorable payment history that I could be removed. It was a lie and I tried serveral times. To make a long story short she went through a period of hardship and I worked with Navient to assist her in catching up. She got to a point that she paid if off because Navient continued to harrass and lie. When she paid it off I was told that it would not reflect on my credit report. I am just finding out that this was a lie as well. I want the adverse reporting REMOVED! Your attention regarding this matter would be greatly appreciated. Respectfully, XXXX XXXX
Company Response:
State: WA
Zip: 98023
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My Navient student loan account was put on deferment from XX/XX/XXXX through XX/XX/XXXX. I asked for the deferment as I was laid off due to the pandemic and provided Navient with a copy of my unemployment letter and severance letter. I received the attached letter from Navient advising that I was approved for the deferment and the dates above. I was told that I would received an updated payment scheduled before the end of the deferment period which I did not receive. The document did not contain any caveats which were most recently communicated to me over the phone by a supervisor. The Supervisor advised that my deferment for the referenced account was cancelled because I returned to school in XX/XX/XXXX. My return was with a new loan and should not have had any impact on the existing deferment arrangement. Out of nowhere in XX/XX/XXXX, my account was reported at 90 days past due from Navient on my credit report. When I called the agency, I was given the run around as everyone was working remotely and I could not get in touch with anyone higher than a supervisor. I provided them with the letter they provided me, which is also listed in my customer portal. I never received a phone call or letter in the mail from Navient advising that the deferment had ended or that I was past due at any time. Fast forward, I was only made aware of the delinquency when the 90 day hit my account one week before I closed on my new home. The delinquency caused me to close on the home later than scheduled, my interest rate was increased as well. Additionally, as a result of the delinquency I was declined for a Parent Plus loan for my daughter and this has put her ability to continue with college in jeopardy. I have had my Navient account for 20 years and I have NEVER missed one payment!!!! I had a XXXX credit score at the time of the delinquency reporting. Naviant has advised that they do not need to contact Customers by phone or in writing when they are past due. They advised that Customers should log online to verify their account status. Additional issues with the company include : 1 ) My account was placed in e-enrollment without my approval or knowledge. 2 ) Naviant changed the mailing address on my account without notifying me of anything. They advised they received a notification from a central database. Are companies able to do this without confirming with the Customer? I am unsure what address they updated and used as I have not received any communication until I sent my complaint letter. 3 ) I have attached the letter which states my account is in deferment until XX/XX/XXXX. The letter does not have any exceptions or conditions. Based on the pandemic and state of affairs in the world I accepted and appreciated the deferment period. 4 ) I have been unable to speak with anyone in management. 5 ) Upon knowledge of the matter, I quickly resumed payment. I would appreciate the delinquency be deleted effective immediately.
Company Response:
State: GA
Zip: 30115
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am very concerned and alarmed NAVIENT accounts show up more than 22 times on my consumer report and is inaccurate and are not validated. I have tried several times to contact NAVIENT in which they always respond they will correct and remove this but never do. I spoke several times with reps from NAVIENT ; explaining there are several accounts on my credit report from NAVIENT that are inaccurate and some accounts do NOT belong to me. USC 6081 A under the exclusion section under the NUMBER B- anything that was extended or authorized from a credit card should be excluded from my consumer report that includes anything attached to my social security which falls under any " card '', plate, or coupon book existing for the purposes of obtaining money, property or services on credit. That is not limited to any physical credit card with retailers or corps which includes these inaccurate student school loans. In addition under the Fair Credit reporting act 15 USC 1681A under exclusions section B where it is specified any extensions of credit or authorization form of a credit card or similar device. Under truth and lending 15 USC 1602- any card, plate, or coupon book or other device existing for the purpose of obtaining money, property, or labor or services on a credit I want all NAVIENT accounts removed from all credit reports civilly liable for reporting this information and its inaccurate.
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Complaint XXXX submitted XX/XX/21 Never received reply Company told you they would on XX/XX/21 You closed this complaint without it ever being resolved. I never received the response from the Company, but you stated they sent you a response on XX/XX/21
Company Response:
State: IN
Zip: 47711
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: To Whom it may concern After reviewing my credit report I have noticed several errors and inconsistencies regarding my closed student loan account with the creditor Navient. The first late payment was on XX/XX/XXXX and the first date of delinquency is XX/XX/XXXX, which means the day loan should have fallen off my report on XX/XX/XXXX, but it remains there and has had an adverse effect on my report. I am asking that all Navient accounts be remove and deleted from " XXXX '' for violating the FCRA. I have highlighted were the first late payment was and the first day of delinquency. I have also attached and highlighted a document where the CFBP had the creditor Navient account deleted from my XXXX profile, but the same account is still being report erroneously on XXXX
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have no debt with them but they keep calling my number
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: 1. On XX/XX/XXXX, I paid off loan # XXXX. The remaining principle was {$300.00}. I paid {$300.00}. The remaining balance : {$0.00}. [ ByLoanXXXX.pdf ] [ Screenshot ( 26 ) .png ] [ r_Navient payments XXXX_Redacted.pdf ] [ XXXX -XX/XX/XXXX Fwd_ Payment Confirmation.pdf ] 2. On XX/XX/XXXX, I paid off loan # XXXX. I paid {$250.00} the remaining principal. The remaining balance : {$0.00} [ ByLoanXXXX.pdf ] [ Screenshot ( 25 ) .png ] [ XXXX payments navient export_XXXX.pdf ] [ XXXX - [ XXXX ] Fwd_ Payment Confirmation.pdf ] [ XXXX - [ XXXX ] Fwd_ Payment Confirmation.pdf ] 3. For loans # XXXX and # XXXX, Navient applied a {$320.00} past due amount ( for loan # XXXX, {$230.00} ; for loan # XXXX, XXXX ). Navient never accounted for this past due amount. It has also indicated on its Payment page that the Past Due is ( included in Amount Due ). [ Screenshots ( 9 ) ( 16 ) ( 24 ) ( 27 ) .png ]. For each loan, the Amount Due was {$0.00}. 4. On XX/XX/XXXX, Navient indicated that my Total Current Balance is {$110.00}. This amount is the total balance it ascribes to loans # XXXX ( {$110.00} ) and # XXXX ( {$1.00} ), both of which I have paid in full. I have contacted Navient several times to update my balance to {$0.00} for both loans, and it has refused to do so. [ Navient _ All Loan DetailsXXXX_XXXXpdf ] 5. Loans # XXXX and # XXXX were originally Sallie Mae loans ( as were others ). I had gone into default in or around XXXX or XXXX. Navient became the loan servicer and has been so since XXXX or XXXX. 6. The original loan amounts for the loans in dispute ( # XXXX and # XXXX ) were {$10000.00} and {$5000.00}, respectively. Altogether, I paid at least {$15000.00} on # XXXX and {$7400.00} on # XXXX. I have paid on these loans consistently for over 10 years. [ XXXX XXXXpdf ] [ ByLoanXXXX.pdf ] [ ByLoanXXXX.pdf ] 7. Though I have paid off these loans in full, Navient has now discovered an additional amount of money it claims I owe. Specifically, it now indicates on its website that, as of XX/XX/XXXX I owe {$5300.00} on loan # XXXX and {$2600.00} on loan # XXXX. First payments due : XX/XX/XXXX. This is nothing less than a shake-down. [ Navient _ Loan Details XXXXpdf ] [ Navient _ Loan Details XXXXpdf ] 8. Moreover, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX indicating that this is an attempt to collect a debt of {$4500.00}. It lists Navient as the Current Creditor. The letter indicates that I have 30 days to dispute the collection. Whether this is a separate scam or part of Navients scam to collect a debt I do not owe, I can not say. Nevertheless, the letter alerted me to the fact that Navient is trying to get from me a total of {$20000.00} from a loan that was originally for {$10000.00} ( loan # XXXX ), and {$10000.00} from a loan that was originally for {$5000.00} ( loan # XXXX ). [ XXXX letter.jpg ] 9. Whenever I have attempted to resolve issues with Navient, I have been directed to XXXX a collection agency. Now it appears that Navient has referred me to a new collection agency, and for money that I do not owe. 10. Over the years, Navient has charged me fees for which it has never accounted. 11. In XXXX, FOR THE SAME LOANS ( # XXXX and # XXXX ), Navient changed my fixed interest rate to a variable rate. Navient increased the interest rate from 0.001 % to 10.750 %. I submitted a complaint to CFPB ( Complaint Number XXXX ) ; Navient then reverted to my 0.001 % rate. I suspect this newfound debt is an attempt on Navients part to collect interest that it tried to collect 3 years ago. 12. Navient indicates a past due amount for loans # XXXX and # XXXX. It indicates for this late charge the date XX/XX/XXXX. I made payments to Navient on XX/XX/XXXX for loan # XXXX ( {$150.00} ) and loan # XXXX ( {$75.00} ). [ Screenshot ( 33 ) XXXXpng ] [ provident payments navient XXXXpdf ] 13. In a proposed class action that a federal judge recently ruled borrowers could pursue, the plaintiffs claim that Navient disproportionately applied payments to interest rather than principal, incorrectly capitalized interest and steered payments to lower interest rate loans. claim regarding fees. This has been my experience with Navient.
Company Response:
State: CA
Zip: 94801
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
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: Due to the Pandemic and a death to someone who who was tied to the account my account fell into the late payment category. FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, subpart E. : states that no late payments should be reported i have already attempted a goodwill letter explaining what happened I even payed all the accounts up to date. I think this is totally unfair i had a death to my immediate family that was tied to that account and fell late due to not only financial hardships, taking care of the funeral expenses and even dealing with XXXX due to her death. Here is the information for the accounts Account Name NAVIENT Account number XXXX Reported Late : XX/XX/2021, XX/XX/2021, XX/XX/2021 Account Name : NAVIENT - Account Number : XXXX Reported Late : XX/XX/2021, XX/XX/2021, XX/XX/2021 By law the late payments should be removed from these accounts
Company Response:
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I graduated with my XXXX XXXX XXXX in 2001. The school I attended ( XXXX XXXX XXXX XXXX XXXX ) told all of their students to take out the maximum loan amounts, which I did. I graduated in 2001 with XXXX in student loan debt. I started to pay on my debt, but when I could no longer find a job that paid well enough to make full payments, I asked for income based payments. I was told I couldn't because the amount I made would not cover the payments. I was told my only option was forbearance. This went on for a number of years. I was willing to pay, but as the principle grew, so did the payment amount. Eventually, the forbearance option ran out. My principal amount owed is now XXXX. I am now in repayment but my payments are finally based on income. why was I denied this option until there was no other option? why was I denied this option until my principal nearly tripled making it near impossible to make payments? Interest rates drop for mortgages, banks, car loans but my student loan is over 5 % and now it has grown to be a debt that I may never be able to repay. I took out the loans. I owe the money. Yet the loan processing company ( Sallie Mae ), would only allow forbearance until it was no longer an option. there was no other choice.
Company Response:
State: AK
Zip: 99645
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A