Date Received: 2021-07-09
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Good Day I have previously made a complaint in reference to my student loans and requested information on what type of student loans I have. The company advised that my loans were transferred, and I have FFELP loans which I have no information on or can see when a transferred occurred in my account details online. In addition, I have also requested all my statements and payments made on this account. I have yet to receive any statement since this account was established. I checked my emails and somehow statements that dated back to XXXX are no longer available on Navient 's site, but they were before. It showed all of my balances, payments made, etc. I have no way of knowing what my balances were and account details on what occurred on my account to ensure the accuracy. I have attached a complete view of all I am able to see on my account that is dated back to XX/XX/XXXX although I have been out of school since XXXX. My statements should still be there. It has been a few weeks now, maybe a month where they advised they would provide my statements and have not. Please see the attachment. This information on my statement is vital as one student loan was paid off that was around the same amount that Navient is advising that I owe. I would like all of my statements provided to me in a timely manner. This is my 2nd request. I do not want to speak to Navient customer service as they are rude and unprofessional. I prefer email to contact me and discuss. I have mentioned previously that I am a XXXX and have yet to be contacted by someone who can assist veterans in Navient. In addition, on XX/XX/XXXX, I received a notification that my account was in forbearance from XX/XX/XXXX - XX/XX/XXXX. I have attached the correspondence in this complaint. I still received 7 delinquency notices during this time that affected my credit, although per the letter my account was in forbearance. Navient changed reporting terms from on XX/XX/XXXX not in XX/XX/XXXX when they notified me my loan was in forbearance, no correspondence was sent in XX/XX/XXXX indicating my loan was in forbearance during covid. Instead Navient chose to report to the credit bureaus non payment during the pandemic then change terms on XX/XX/XXXX to what ever they feel is necessary for them. My credit report for Navient looks like a jigsaw puzzle as many times as this company has changed my account status in the past year is sad to us hard working employees who like myself were essential during the pandemic working for the city government. I am requesting to be contacted by email or the conversation will continue in this complaint. I do not want to speak to a Navient representative, because they are not nice and they give me anxiety. This is ruining my credit since the last year and I have no way to tell any payments or confirm what student loan I paid off of XXXX that could be this account. This again is because I have yet to see any statements from prior to XXXX on my account, which were there before. From the attached statement " This forbearance will not count against your voluntary forbearance time. Interest will accrue during the forbearance period but will not be capitalized ( added to your principal balance ). If your loans were past due, theyve been brought current. Accrued Interest for the delinquent period will be capitalized ( unless youre receiving this as a result of the recent COVID-19 pandemic ). Keep in mind, any previously reported delinquency information will not be removed from your credit report. This Accrued Interest may be capitalized upon certain subsequent conditions as permitted by law and your promissory note. ( See important disclosure section. ) "
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have a Federal parent loan that went into consolidation/repayment in XXXX for {$110000.00}. I have never missed a payment and I've been on automatic payments for a long time. In late XX/XX/XXXX I called to change my automatic payment amount. I spoke to a young man and he took the new information and said it was all set up. I received a call in I believe in late XXXX to say I had missed payment and asked if I could make it then. I explained why I was confused and she explained that autopay had ended but no new account had been set up. I made a payment for the missed payment that day with her over the phone and then she explained I had to complete the forbearance process in order to set autopay up again ( I receive a 0.25 % interest rate discount for autopay, so I didn't want to lose this. ) I completed this process with her and she set up my autopay from that day forward. I received a notification that my monthly payment went up from {$500.00} to {$540.00}. The loan has XXXX more months before payoff. That approximately {$45.00} in increase monthly payment means I would pay an additional {$7.00} over the remaining loan payoff period. I called to find out what had happened : how can a change in direct pay account cause this? First, it is impossible to find a customer service number. So I wrote an email. I received a response that basically said " you went into forbearance and this is the recalculation due to capitalized interest. '' The email provided me a phone number, so I called today. The first person confused me and I kept asking drill-down questions. How can this happen : I never missed a payment, I simply wanted to change accounts, and now I'm scheduled to pay + $ XXXX. She explained that a change of direct pay accounts is considered a forbearance because it takes them time to set it up and therefore a payment is missed. I explained that I didn't miss a payment, that I made the payment the day I found out the account had not been set up on my initial call. She said that there was about {$210.00} in interest for the forbearance period that was capitalized and this changed my payment. I continued to ask about why this was necessary and we were disconnected (? ). I called back and eventually, receiving no better answers from the second representative, asked to speak with a supervisor. Ultimately, the supervisor removed the forbearance action and the capitalized interest. She said this took off a few dollars from my new payment ; it is now {$540.00} per month ( vs. {$540.00} ). She explained that the other increase in the monthly payment is due to the account being audited and this higher amount was put in place so that I can pay the loan off in the time period set forth in the beginning ( 30 years ). What? I tried to see my payment history and while it says the loan was disbursed on XX/XX/XXXX, the website only shows payments back to XX/XX/XXXX. During this period I paid about {$26000.00} in interest. With the time left to repay, It looks like I will pay an additional {$26000.00} in interest. I would like this loan audited by someone to see if all this is correct. I can't do it myself, but is all seems very questionable.
Company Response:
State: OH
Zip: 43606
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: At the end of XXXX, I reached out to Navients collection department to pay off the balance of a settlement I had been paying off monthly since XX/XX/XXXX. I was informed the remaining balance was {$3400.00}, to which I responded I would like to pay it in full. The payment was authorized electronically during this call and I asked how long would it take before I would receive a letter staying the account had been settled. I was informed it would take about 30 days for the letter to be sent to me. The payment of {$3400.00} was withdrawn from my account on XX/XX/XXXX. Sometime in XXXX I called to follow up on the settlement letter I was informed I would receive during the call in XXXX. At this time, I was told it should take 60 days to receive the settlement letter. At the end of XXXX, I still had not received my letter, which at this time was beyond the 30 then 60 days I was told it would take to receive the settlement letter. It was during this call I was informed that according to their records I had not paid this balance in full and still owed a balance. I asked how this happened seeing as I was informed by a Navient employee of what the balance was. They were unable to provide me an answer to why I was not provided the appropriate balance when I called in XXXX to pay off the loan. I then asked to speak to a manager who informed me that Navient had been changing over their systems and my account seemed to have been one of the accounts that was lost in the transition. He reported he could see there was a payment but it is in limbo because of the system being upgraded and should update within a week. He reported he would put in a ticket to have this issue escalated. I called about a week later and a couple other times in XXXX to follow up and was still being informed the issue was not resolved. At the end of XXXX around the middle of XXXX after having called Navient a few days prior and being informed the issue was still not resolved. I received a letter stating they received the final settlement payment of {$3400.00} on XX/XX/XXXX. This is inaccurate as they should have received the payment on XX/XX/XXXX according to my bank statement. I called to have them update this in their system to align with when the payment was actually made and received the same letter about a week later stating the final payment was received on XX/XX/XXXX. I would like this to be updated to accurately show when the account was actually settled, which is XX/XX/XXXX.
Company Response:
State: MA
Zip: 02121
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have reached out to Navient in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request proof that this debt is mine. I have requested the signed agreement showing I am the account holder liable for the debt. They do not respond and have yet to furnish the proof.
Company Response:
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This company claims that I owe a balance to them, yet they do not have a complete repayment history, Promisory Note or sufficient origination documentation to support the claim. The payment history they can produce reflects the introductory interest only payments well into the full repayment period. I have tried over the past two years to resolve the problem. I have repeatedly requested the balance be reevaluated and told them that if there was a small remaining balance, I would gladly pay it. Each time I speak with a representative or specialist, they have little to no record of past communication, written or verbal. They continue to report negative information on my credit, and every time I try to dispute the debt reflected on their core system, I am told that I am responsible for providing documentation supporting that I don't owe this debt and that they are not required to keep any documentation older than one year. At one point I provided a claims specialist named XXXX with several statements showing that the loan was in the repayment period for a time when their records showed interest only. Those statements proved that I was paying more than double what their system records reflected. After that, Navient stopped reporting the balance to the credit companies. I thought the matter was over until the reporting started again and the company didn't have records of me working with XXXX. XXXX could no longer be reached on her " direct line '' and Navient reps said no documents were received. It is next to impossible for the consumer to compile deposit account records to show over a decade of repayment history and prove they no longer owe a debt. Shouldn't the burden be on the owner/servicer to provide documentation in order to accurately calculate a loan balance or prove that any debt is owed? I paid my debt timely and in good faith for the term of my loan. For consideration ... when my student loans were consolidated with XXXX XXXX, they were duplicated on their system and ultimately on my credit report. The error was discovered when I applied for a home loan, and was successfully disputed with the credit companies. The balance Navient is claiming is so large that I'm concerned the loan they are trying to collect on was a duplicate electronic record.
Company Response:
State: CO
Zip: 81301
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Over the years I borrowed Like {$80000.00}, now I owe {$200000.00}. First of all this is crazy. The interest is ridiculous. I have asked they consolidate ALL my loans which they have NOT. The President has payments on hold, EVEN defaulted loans. I can not get a break, they call me over and over again day after day. I have tried to go online to at least make a particle payment. But their site says it doesn't recognize me ( how can you give your birthday & SS number and it not find me ). If this is so, how can they keep calling me. I sent them an email a while back about the Presidents Hold, that just made them call me more. I just want to make them stop calling me until repayment starts. I also want to get online to their site without having to call them because if I call they just harass me more. Please tell me what to do.
Company Response:
State: VA
Zip: 23139
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Navient is reporting 8 student loan accounts across all three bureaus ( XXXX, XXXX and XXXX ) unlawfully. Navient has violated my right to privacy by communicating this alleged debt with these consumer reporting agencies. Reporting this alleged debt to these consumer reporting agencies has caused harm to my reputation and is defamation of character. On XX/XX/21 I sent Navient an Affidavit of truth with exhibits ( proof ) of these violations, a debt validation letter, a Cease and Desist with my specified remedy and an invoice demanding {$6000.00} to remediate the damages caused by the 6 violations of my consumer rights. These documents were mailed to Navient via Certified Mail with return receipt.
Company Response:
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Around 2001 I assisted to XXXX XXXX XXXX in XXXX XXXX. I paid a portion of my education monthly. However when I log in with my social security number to my federal account someone elses name appears on my account. I asked on many occasions for this to be investigated without results. Apparently someone else used my social security number to pay for their education. I have contacted all credit bureaus with pertinent proof and nothing has been investigated. This is affecting me in all ways posible on my personal life. The school I attended closed permanently and I have not received any help from anyone.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I attended University XXXX XXXX on-line from XX/XX/XXXX thru XX/XX/XXXX. I experienced illegal adverstising tactics and false promises of employment following my graduation of my Associates degree. University XXXX XXXX has admitted to their wrong doing and has paid out milliions of dollars in damages, as well as waived an enormous amount of student debt. I have repaid approximately 50 % of my loan but still owe approximately {$11000.00}. According to the lawsuit I fall into the category of all 5 qualifications for student loan forgiveness yet have received absolutely nothing. My degree never helped attain any employment with the tainted University XXXX XXXX brand. I'm having trouble supporting my family and would greatly appreciate any help I can get.
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I had {$11000.00} loan on XX/XX/2006 to attend XXXX XXXX XXXX. I've made payments totaling over {$21000.00} XXXX dollars. They allege I still owe {$10000.00}. This is ridiculous and a blatant robbery. I need assistance with this company that is probably doing the same to thousands of other people. I am a XXXX XXXX XXXX XXXX caring for my son and I this is a burden on my finances and it is compromising my stability.
Company Response:
State: NJ
Zip: 08879
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A