Date Received: 2021-07-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I, XXXX XXXX, along with my financial consultant Mrs. XXXX, contacted the company named Naviant the SECOND alleged collection agency for my bank XXXX XXXX XXXX XXXX XXXX. The First agency sent me a letter confirming that the Debt was paid off and there was a XXXX Balance. I went back to the Bank XXXX XXXX to attempt to reopen a bank account for myself so that I could do business but on my return, the bank again said No because I still had an outstanding balance with the SECOND debt collector Naviant, and I would have to contact them to settle the account. I contacted Naviant and told them that I received the letter from the First collection agency for the bank and that I was not understanding how there were two collection agencies for this one bank. I asked them to check their files and see if there were still any outstanding balance and if this letter covered that amount as well. That initial contact was around XX/XX/XXXX ; from that date until XX/XX/XXXX ; I heard nothing from Naviant in regards to their investigation. Meanwhile, I am being prevented from being able to do any banking due to this alleged outstanding balance. So, I wrote to them on XX/XX/XXXX informing the company that they were not in violation of the Fair Debt Collection Practice Act ; and other consumer protection laws and that they also needed to send me a letter that this debt was not owed because any alleged debt owed to them or XXXX XXXX is BEYOND THE STATE OF LIMITATION for enforcement of that alleged debt. I and Mrs. XXXX contacted Naviant again today, XX/XX/XXXX. I gave them permanent authorization to speak to Mrs. XXXX in reference to the alleged debt and any information they came up with and the Rep. said that they would contact Mrs. XXXX, by the end of business day today, in reference to her findings. Also, this rep stated that they sent to the XXXX XXXX ( 2 ) request for validation & notice of my debt challenged and they have heard nothing from XXXX XXXX yet in over ( 2 ) months, well beyond the required legal limit to respond when a consumer challenge a debt. This is ridiculous and complete Unsavory & Bad Business Practice and his hurting my business and unlawfully preventing me for participating in Commerce & unfairly & unreasonably preventing and obstructing me from the Financial Banking world.
Company Response:
State: IN
Zip: 46805
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Getting a loan
Subissue: Confusing or misleading advertising
Consumer Complaint: In XXXX I enrolled into the XXXXXXXX XXXX XXXXXXXX Diploma Program from XXXX XXXX XXXX, which prior to being shut down due to fraud, was based in XXXX, XXXX.I was at this school from XXXX XXXX XX/XX/XXXX. In order to pay for the program, the school had me take out student loans. One was a federal loan ( {$6700.00} ) and the other a private loan through Navient Solutions ( {$27000.00} ). Recruiters from XXXX XXXX XXXX misrepresented to me the career outcomes of students who complete their program and provided false information about the career services that they would provide to students once they completed the program. They said that upon completion, students would be able to find well-paying, full-time careers related to the program of study. The recruiters also promised that students would receive robust career support as they looked for a job upon completing the program. This supposed support was said to include help getting connected to employers that the school had a relationship with and being referred to full-time well paying positions. These two reason were pivotal to me deciding to attend the school. Upon completing the program, I sought to receive career help. The only support I received from the school was to get connected with a few temporary part-time gigs. While I took these opportunities, I continued to see if they would be able to connect me with full-time opportunities, as they promised. However, they never provided such opportunities and eventually they told me that there were no employers who were hiring. I no longer went to receive their help and began looking for employment opportunities myself. I continued to apply to jobs that were related to my field of study, but soon found out that I did not meet the qualifications for these jobs. Apparently, the education that I received from XXXX XXXX XXXX was insufficient to get a career in the field. This was another false claim made by the school that I discovered soon after completing the program. Unfortunately, I was never able to find a fulltime well-paying position and have been stuck in debt with the loans that I took out in XXXX which has grown to over {$25000.00}. Again, if the recruiters from XXXX XXXX XXXX did not provide me with false promises about my career prospects and the support they would provide to me upon completion of their program, I would have never attended their school.
Company Response:
State: CA
Zip: 91791
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
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: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
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/2020. 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. 250 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: 11704
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: On XX/XX/2021 around XXXX XXXX., a Navient Advocate called. This is in regards to a prior Consumer Financial Protection Bureau complaint made on XX/XX/2021 around XXXX XXXX. This is reference number XXXX. I spoke to a male Navient Rep several days prior and the man said " IT TAKES 15-20 DAYS FOR AN IBR REQUEST TO BE RECEIVED BY NAVIENT. '' On XX/XX/2021, the Navient Advocate DENIED full acknowledgment of a document called IBR_Validations.JPG was sent to her through my complaint. I stated, " you received a document that validates that I indeed and in fact, filled out AN APPLICATION for the IBR. My complaint is because the Navient Advocate DIDN'T EVEN LOOK AT THE DOCUMENTS SENT TO HER. The Navient Advocate stated, " There may be a document in my pile for that, but I didn't look at it. '' The Navient Advocate continues to state, " It doesn't matter, I didn't get the form. '' I told her to call me back when she can speak the truth. If I didn't fill out an IBR request form, why would I be on the https : studentaid.gov/app/repayment.action website page? How would I get an image snapshot to provide to the Consumer Financial Protection Burea if I didn't fill out the form? My complaint is that the Navient Advocate didn't even look at the provided documents and take my complaint seriously. She wouldn't accept or acknowledge that I did and indeed and in fact, fill out the IRB request form on the student.gov website application page.
Company Response:
State: OH
Zip: 44134
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
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/2020. 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. 250 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: NJ
Zip: 08879
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : SALLIE MAE XXXX XXXX XXXX XXXX FL XXXX, DE ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response:
State: MA
Zip: 01109
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Here is the letter I sent to Navient ( I have removed the personal information as requested ) XXXX Customer Communications Navient XXXX XXXXXXXX XXXX PA XXXX XX/XX/XXXX XXXX, I received your explanation ( attached ) of the amount you believe we owe. You can imagine my surprise when I opened the letter from you folks back in XXXX, indicating the amount you think we owe. I immediately called your offices, and a gentleman told me that he would send an explanation, as well as the paperwork we would need to dispute this claim. In your explanation there was no such paperwork. We received another warning letter from you the other day, so I am writing this and you can consider this letter to be notification that we dispute your claim. As you indicate we sent a lump sum payment in XXXX, and we did so believing that this large payment was payment in full for the remaining balance. That was our intention. We were not notified following that payment that there was any remaining balance. According to your explanation the amount of the payment was applied to loan XXXX as well as to loan XXXX which you state was paid ahead until XX/XX/XXXX, and that they both originated in XXXX ( our record of the XXXX loans attached ). We have no record of a loan XXXX or XXXX. As far as we knew, our Sallie Mae account number was either xxxxxxx or xxxxxxxxxxxx. ( see attached ). Further, as one of the attachments indicates, we had received several letters at various points indicating that various loans were paid off. It was almost 20 years ago when our daughter started college, but if I recall, each year required a new loan, and I believe there were consolidations as well. Since this was so long ago, and since we have received no communication from anyone about this since XXXX, Im afraid Id have to take your word that we have an unpaid principal balance of either {$2400.00} or {$2600.00} ( your letter states both amounts ). We have never, ever, failed to pay a debt so in the spirit that this may have been some kind of misunderstanding, not to mention that you yourself seem uncertain which is correct, I have enclosed a check for the lower amount. If you had simply told us in XXXX that we still owed that amount we would have paid it then. We do not, however, accept your claim that we owe anything beyond that amount, and certainly not at the interest rate indicated of 6.125 %. To be kind, this rate is usurious at best and predatory lending at worst. Im not sure you would agree with that but perhaps the folks on copy will, considering that interest rates are at an all time low ( fed funds rate approximating zero ). I am copying these people, not for our benefit, but for those without the latitude that we have. Is there any wonder that there are so many people graduating from college, saddled with a mountain of debt, and unable to pay it off in their lifetimes? Multiplying this convoluted instance across thousands of people would go a long way toward providing the reason. We are able to pay this debt. Indeed we thought we had done so with the $ XXXX lump sum payment in XXXX as you acknowledge, only to learn 7 years later that the meter has still been running at 6.125 % interest. We have no issue with a company making a profit, but we do have an issue with a company gouging customers graduating from college through deceptive lending practices. Sincerely, cc : XXXX XXXX XXXX Sallie Mae XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX, President XXXX College XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX
Company Response:
State: NY
Zip: 11561
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: The loan payment was at XXXX a month. I am a single mom if XXXX and without a second job and still was denied for hardship or a good reduction of per month payment and interest rate. It was only reduced by half. XXXX a month. I only make XXXX before tax a year. I dont have a car note but I do have rent, light, water, car insurance, loans, credit cards, school expenses, health insurance, rental insurance, food, and household expenses. I dont get government assistant.
Company Response:
State: MS
Zip: 39702
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX called me on multiple occasions attempting to collect a debt that was out of statues of limitations and out of there jurisdiction w/o consent or proper authorization. They did not provide the original contract verifying that I was the original debtor. They where in violation of laws 15 US C 1692 a 5 15 US C 1692 c a 15 USC 1692 d 15 US C 1692B 5 15 US C 1692 b a 15 US C 1692 b 2 a 15 US C 1605 a 15 US C 1692 f
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A