Date Received: 2021-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have submitted disputes letter requesting the company to validate and provide proof of documentation or any court judgements that binds me to the allege debt they are trying to say I owe or any original contracts baring my signature that I am in deed the consumer responsible this debt. However, I noticed that the company and the credit reporting agencies has illegally changed information and dates on my credit profile.
Company Response:
State: TX
Zip: 75019
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: We DO NOT have any student loans but Navient is calling relentlessly. It is in error, there are not students with loans at this address or phone number XXXX They call at least 10 times a day.
Company Response:
State: PA
Zip: 19064
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XX/XX/2021 XXXX XXXX Account Number : XXXX This letter is in Reference to the above Account Based on the facts of the matter : During this consumer credit transaction, I, the consumer, the natural living man, and original creditor to the account, have elected to extend my credit to Navient/ US Department of Education . It is to my knowledge that Navient/ US Department of Education has formed an alleged debt in the form of a loan in fraudulence using my personal open ended consumer credit plan and personal consumer credit card ( SSN ). The Truth in Lending Act does not define the word loan or borrower therefore I do not know how this alleged debt can be validated in truth. It seems that This notion has also made Navient/US Department of Education the Debtor, borrower and a debt collector of the alleged debt, As they Have not produced any original instrument proving to be the original creditor. The misrepresentation of Navient/US Department of Education as the Original Creditor constitutes consumer fraud and I demand validity in this matter, that the above account be deemed Closed and blocked from reentering my consumer report. I also seek Monetary Remedy for all given payments and repeated communications over years while creating a alleged debt through fraud. Be mindful Under 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. Under 15 U.S. Code 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. ( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. 12 U.S. Code 1431 - Powers and duties of banks ( a ) Borrowing money ; issuing bonds and debentures ; general powers Each Federal Home Loan Bank shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. Ignorance of the Law is no Excuse XXXX XXXX
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I contacted the Navient in XXXX to renew my payment reduction plan, I was told it lasted for 6 months. At this time, the representative advised me that this would be my last opportunity for payment assistance because my payment with the assistance is too close to the normal payment. And when it gets within {$50.00} of the normal payment, I will no longer qualify for assistance. The payment reduction plan payments have gradually increased, I asked if it was based on income and was told that income is not a factor in determining if someone qualifies for assistance. It seems this program is designed to force people into paying the maximum amount regardless of hardship.
Company Response:
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Hello, i am in the group of people that was ripped off by XXXX XXXX. I have been fighting and waiting for the loans to be discharged for over 10 years. I have gotten emails from companies that have said that I am in the group that should have the loans discharged do the court case. and now I see that Biden just approved more money to help students out with this for-profit schools. I have serval emails from various lawyers and other companies that said they would get this moving but with little action. I have been paying what I was told to at a min and most are on the national emergency forbearance that ends on XX/XX/21. This has killed my credit score and I need to get this cleared up as promised. and if possible get back the money that I paid into the loans as well. Please see attached pictures and feel free to call me
Company Response:
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ive contacted XXXX several times regarding the student loans on my credit report. I filed bankruptcy in 2017 and all my student loans was granted discharge but XXXX still show them on my report.
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Navient 's system does not credit overpayments to " overdue '' amounts and fees. In XX/XX/2021, I paid twice the amount the statement stated, expressly for the purpose of paying off any outstanding fees and late charges. Despite this, each month my statement still indicates a delinquency. I believe these fees relate back to a previously adjusted account ( due to their error ) and should not even be represented as overdue in the 1st place. I attempted to reset the " overpayment '' options in my profile, however- there is not an option to direct any overpayment to outstanding fees. In order to " Self Direct '' payment amounts, the system requires the user to enter a bank card into their system to I pay pay bills thru a bunch of confusing line items with no idea of which one will address the late fees and charges. While Navient 's response is that their " system is often difficult to understand '', that is insufficient.
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I dispute this information with Navient and they keep parroting back that the information is accurate when it is not. In 2017 I called my student loan Federal loan to get IDR. I was approve for IDR and and Navient contact me that they got the IDR. But now Navient keep reporting me as late in from XXXX to XX/XX/2017 and then XX/XX/2017. What is strange about it is that I was current in on XX/XX/2017 and mysteriously Navient report my account 90 days late in XXXX. I disputes this and Navient refuse to correct the wrong reporting. Also Navient is reporting XXXX XXXX account that is inaccurate.There is another account XXXX/ Navient which is a duplicates and should be deleted.
Company Response:
State: VA
Zip: 23238
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A