Date Received: 2021-07-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not liable for this debt with DEPT OF ED/NAVIENT plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : XXXX
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The schools that I had these loans with are closed. They have been closed for a long time. I spoke with some one from the US Dept of Education and she was supposed to get back to me and I haven't heard nothing.
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I received a phone call on XX/XX/XXXX from a Navient agnet stating there was a payment due on my account. I used my debit card number to make the payment with the agent on XX/XX/XXXX at XXXX CST. I have continued to receive calls the next day seeking payment. The calls were received on XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I called Navient and spoke with an agent on XX/XX/XXXX at XXXX. I was advised that he could see the payment on the account but that I would still receive calls. He advised there was no way to flag the account to prevent calls. I still continue to receive call after speaking with the agent. The most recent call was received on XX/XX/XXXX at XXXX.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Upon viewing my credit reports, I noticed my Navient Account number : XXXX has a discrepancies in the " Late Payment Status '' section of the listing. XXXX and XXXX reports that I was 120 days late which I was not. There are several inaccuracies violating the FCRA Requirements.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
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: How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Navient has agents who are using discriminatory, predatory, fear tactics, and practices to collect loan payments, and trying to dispute forbearance options lenders have. Agents told me I had used up all my forbearance options, and told me other borrowers who had run out of forbearance had family to help them pay the loan. I explained to them I didnt have family who could help me pay, that I had been in icu for a month, Im no longer employed and unable to make payments, prior to this I experienced loss of income due to pandemic. Agents were rude and inconsiderate and as I stated tried to use fear tactics to force me into repayment even though I have no income at this time. They made several harassing phone calls to me in one day about outstanding payments.
Company Response:
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I had paid all my balance that I had owed in 2010 to Sallie Mae when I attended XXXX XXXX XXXX. The amount was never deducted from my account and it was rolled over to Navient. I would like Navient to remove the balance that I had already paid to Sallie Mae. Total balance paid {$15000.00} in 2010. Thank you,
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I attempted to go back to school and I had complications so I dropped the class so the loan should have been returned back to Navient I dont owe them I didnt go to school or graduate from there. I need it removed so I can have my credit in order I have been disputing charges from them because I didnt attend the school for even a month for me to be charged XXXX XXXX I need help with this
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit report from the year XXXX shows student loans opened on XX/XX/XXXX, under an installment account which was updated on XX/XX/XXXX and closed on XX/XX/XXXX with an outstanding balance of {$29000.00}, which were transferred over to the lender Navient. I spoke to Navient and called them at XXXX, after receiving a letter from XXXX indicating I had started a dispute with the credit bureau XXXX and XXXX and in order to continue disputing this charge due to identity theft, I needed to contact my lender, which is Navient. I spoke to an individual by the name of XXXX on XX/XX/XXXX and she was not able to answer my questions as far as what schools was this consolidation pertaining to. I mentioned very clearly the only schools I have attended have been XXXX XXXX XXXX XXXX in XXXX XXXX, TX ( it has been shut down and I never received my XXXX XXXX XXXX on the mail ), XXXX XXXX in XXXX XXXX, TX and XXXX XXXX XXXX of XXXX XXXX. I only took a few classes at each school. She did not have any further information. My student loans are in good standing because I have been paying for them and right now they are in forbearance due to the Covid crisis. The student loan consolidation is very suspicious and I mentioned to XXXX from Navient very clearly those student loans from XXXX are not mine. She did not know what to say. She promised to follow up with me and submit a claim, and I have not heard from anybody. My identity has been stolen since XXXX. It has been stolen on several occasions with the purpose to open fraudulent bank accounts, fraudulent email accounts, fraudulent payday loans, personal credit lines, and student loans. I have disputed a fake address on my credit report from XXXX XXXX and XXXX as well as unknown telephone numbers. Fake email accounts have been open under my name as well. I have filed a police report already with the XXXX XXXX Police Department, the Federal Trade Commission and the Social Security Administration. I have also placed alerts, freezes and locks on the 3 credit bureaus. I have not received any response from Navient and they are failing at complying with this identity theft investigation. Another problem has been the company XXXX. I have contacted XXXX for a solution regarding my identity theft situation and they have not complied to provide to me with the information I need to submit to my local law enforcement and pertinent authorities. They have not even attempted to send me a letter with steps on what to do or even a phone call.
Company Response:
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The creditor/ " debt collector '' has failed to adhere to Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt. Please remove the alleged debt for the credit/ " debt collector '' has violated my rights
Company Response:
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A