Date Received: 2021-06-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per 15 USC 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with written instructions of the consumer to whom it relates. I have not given any written instructions to XXXX, XXXX or XXXX to furnish a consumer report with the Department of Education/ Navient . This is a violation of my consumer right to privacy. I am requesting this be deleted from my consumer report immediately. Per 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( 2. ) in the case of liability of a natural person for obtaining a consumer report under pretenses r knowingly without a permissible purpose, actual damage sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. Per 15USC 1681n ( a ) ( 2 ) I have damaged by this consumer report who had no right to furnish because they had no written consistent from me to do so. My consumer report is damaged. I am demanding my {$1000.00} for violation of my right AND for Navient to be deleted from all 3 agencys, XXXX, XXXX and XXXX
Company Response:
State: AZ
Zip: 85029
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have written letters to Navient Private Student Loans and XXXX XXXX XXXX XXXX Credit Department for them to remove the incorrect remarks off of my credit report. The comments on my credit report reads as follows : Dispute Resolved/Consumer Disagrees. This comment is preventing me from moving forward with me purchasing a home. My lender from XXXX XXXX XXXX, tried to pull my credit file and could not obtain the file due to XXXX having a block on the file and the incorrect comments that I have mentioned previously. I am so tired of going back and forth with these agencies. I am really tired and I need someone to intervene between these companies. I have written letters in XXXX, XXXX and XXXX of 2021 and nothing has happened. I need to move. My son and I are living with someone and she wants us to leave and I need to move. I have gone through XXXX XXXX XXXX XXXX workshop and worked and repaired my credit and now I am at the point where I can go to a lender for financing and this obstacle is preventing me from moving forward. Please help, Ms. XXXX XXXX
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of violent crime. I am not responsible for this account.
Company Response:
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX I called the Borrower Defense to repayment application at XXXX to find out if I was eligible for money from XXXX. I was told that because I paid off my loan I was not eligible. I worked 2 jobs and paid approximately {$37000.00} in student loans and interest. I feel that since I worked 2 jobs to pay for this loan and paid it off in good standing and I should be entitled to my money back since the school defrauded me. After I graduated they sent me to XXXX XXXX and I was fired after 30 days. I was not properly trained by XXXX for the work that they wanted me to perform. Many of my classmates went through the same thing. We were promised good paying jobs, placed in a good paying job and terminated after 30 days. I took a job at XXXX 's after my termination in 2006. I took many jobs to try to pay off my loans and to remain in good standing. We have not been able to purchase a home because I spent my money on these worthless loans and we do not have enough money to purchase a house in this market were home prices are accelerating on a daily basis. My husband and I currently live in an apartment complex that is rift with drug users and other criminals because we can not afford to move into a decent home due to the money I paid into these worthless loans. XXXX XXXX dollars is a lot of money to throw away on a useless education.
Company Response:
State: AL
Zip: 358XX
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Navient is repeatedly calling my employer, past employers, extended family, friends, acquaintances, and friends of extended family revealing the status of my loan and my private information to numerous parties each day.
Company Response:
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Navient mislead me into paying thousands of dollars in interest. It was never clear they were allocating my payments nearly all to interest, and Ive never seen this kind of loan now that Ive unearthed the details. When the first documents came- XXXX- I didn't even understand I would pay $ XXXX/month for ( 3 ) years and pay nothing at all towards the principle of the loan, and that payments would balloon to $ XXXX/month after that time. I called Navient and got advice every year in how to lower my monthly payment- and it didnt occur to me how I was misled and steered into the worst possible plans for myself- while Navient was bilking me out of thousands of dollars in interest. 15 years later- the obvious lies of their representatives made me dig deeper- to find out with a 4.75 % rate over 15 years -- I had already paid nearly {$11000.00} in interest and only a little more than {$4000.00} in principal on an {$18000.00} loan. My total due is still over {$14000.00}. As of today, I paid ~ $ XXXX on an $ XXXX loan and still owe nearly $ XXXX. This is predatory lending. If this was ever clear to me- I would have intervened sooner. The Navient website is not clear in any way- not like any other lender that provides clear and reasonable information on your loan. Nothing like a mortgage, credit card or other loan provider- they obfuscate the lenders information to mislead intentionally. XXXX : It was not clear that I would be charged interest for all of my unemployment deferment- but I was. Navient reps often say, You wont be charged interest on XXXX portion of your loan!! because they are obfuscating how much interest you will be accruing. How much of the loan is subsidized? Can I even see this XXXX the site? because if so- very unclear. XXXX : I also asked about the CARES act in XXXX only to be again mislead into a plan that still accrued interest- though I was eligible to go into 0 % interest until XX/XX/XXXX. Costing me hundreds of dollars unnecessarily. XXXX : I submitted an application for a new IBD that was denied twice due to me making too much income. I reviewed the income terms and knew this to be untrue. After calling ( 3 ) times- a rep admitted I had answered one question incorrectly -- and that is why the application was denied. She helped me change it and then I was approved. However, if one rep had guided me correctly or any correspondence- I would have known the one mistake and corrected it prior to the end date of my old term. Its unclear if I was or was not charged interest for their failure to guide me into how to correct the application. XX/XX/XXXX -- Last month when the IBR was finally renewed- I called to see if the monthly payment could be a little lower just based on the fact I had only recently returned to full-time work. Again- I followed the advice of the Navient rep- who said if I paid her {$120.00} today she would put my on a plan for $ XXXX/month. I did not feel comfortable making a payment over the phone and told her as much- but she insisted. I acquiesced and paid- only to check the next week my next payment would not be {$60.00} as promised- but {$670.00} instead. It came to my attention that the plan she said I was eligible for- I was not. She literally took money over the phone from me in a fraudulent act of misrepresentation, a verbal contract in which she had no intention of upholding. Ive been in contact with the DOE Ombudsman, and was put in touch with XXXX XXXX from the Office of the Customer Advocate. She has inferred she removed {$400.00} from my principle balance- but literally she must added the same amount to interest owed- because my total balance is the same as before my dispute. Heres a screen shot of my account history from today- can you tell what is going on? I can not. Please help. I have an excellent credit score, was late twice in 15 years on these payments- and feel very duped and taken advantage of. Im trying desperately to consolidate and change providers -- but have been advised a few times by XXXX XXXX to wait until she concludes this case for Navient. She even charged me interest while I waited the past month for a resolution, despite telling me she would not. I dont think I should owe interest for the time I couldve been in 0 % interest due to the CARES actand they should allocate some of the interest they have taken in payments and put it where I thought it would go- principal. All of the attached documents say {$0.00} in Interest or Capitalized interest and seem to mislead the borrower into thinking they are not paying thousands only in interest. How is this legal? Navient has added {$400.00} interest owed SINCE I ASKED THEM TO START THE INVESTIGATION when I had {$20.00} interest owed, as is shown in the image below dated XX/XX/XXXX. As of XXXX I owed {$21.00} interest, since I was put on a forbearance based on my requesting an investigation and wanting to change loan servicers. Why do I now 20 days later- owe nearly {$400.00} in interest? XXXX XXXX is very articulate in being deceptive while wronging students. She sounds sane and compassionate until you realize she is delaying borrowers from moving servicers, lying, and then adding debt arbitrarily to my loan balance. If subpoenaed- phone calls between us- will clearly show XXXX advising me that my interest rate will go up if I consolidate, and inferring it is not in my best interest to do so. She is a customer specialist with Navient. Above is as of today in Navient portal- reflecting nearly {$400.00} MORE than the principle stated by Ms. XXXX on XX/XX/XXXX. When I asked why my balance was now higher- she indicated its interest owed. This is theft. I did not agree to any terms that would allow for this as I wait for the end of their investigation. I feel emotional distress at being lied to and deceived, during a time when I was managing grave family issues. There are laws preventing predatory lending- why is Navient allowed to continue deceive borrowers without enforcement of the law?
Company Response:
State: NJ
Zip: 07747
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
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: ALL FEDERAL STUDENT LOANS ARE DEFERRED UNTIL XXXX XXXX BACKED BY THE CARES ACT. NAVIENT HAS ASSESSED ME WITH LATE PAYMENTS THAT SHOULD NOT HAVE OCCURRED. THIS NEEDS TO BE RECTIFIED IMMEDIATELY. ADDITIONALLY, I HAD AUTOPAY SET UP WITH MY STUDENT LOAN ACCOUNTS IN THE EVENT PAYMENTS WERE TO BE MADE. THERE IS NO WAY I COULD HAVE BEEN LATE WITH THE CARES ACT AND MY AUTO PAY SET UP IN PLACE. DELETE ALL NEGATIVE INFORMATION ON MY STUDENT LOAN ACCOUNTS DATING FROM XX/XX/XXXX - CURRENT TIME ASAP!
Company Response:
State: WA
Zip: 98275
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Hello and sorry this is going to be long I filed for a chapter XXXX which was dcd satisfactory in XXXX. My chapter XXXX was dcd satisfactory this year in XXXX. I had a sallie Mae/Navient loan in XXXX which has been in derogatory status for a few months prior to my chapter XXXX filing. We know student loans can not be dcd via bankruptcy unless undue hardship can be proven. However something told me to research the loan that I had. I took out what was called tuition saver loan which is considered a non traditional student loan. This was a loan they offered for students only which was sent directly to the student to do basically whatever they wanted. Which I took advantage of to help with bills and whatnot as being a young single parent full time student part time job. After doing my research, I found out on several different platforms from back XXXX searches that Tuition answer loans are NOT student lands and are FULLY discharged debts in bankruptcy. My immediate thought is that this should have been resolved when my chapter XXXX was completed. They were included in my chapter XXXX and received a payment. Now that my chapter XXXX is complete, they have went back to reporting my account as derogatory, charged off and my account is still headed for collections. I have provided them the info, and they refuse to budge. Im thinking that not only should this debt be done, but any money Ive paid since my chapter XXXX should be returned with interest. Im wondering what should I do? I have reached out to the credit bureaus and Navient and they both are giving me a hard time and refusing to honor it. Can anyone give me any advice? This is tanking my credit. I have provided a screen shot of What I have found which is what I keep finding.
Company Response:
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have settle account with Navient # XXXX via XXXX XXXX XXXX # XXXX who bought manages their past due accounts. This account was settled in XX/XX/XXXX but XX/XX/XXXX this accounts still shows a balance. I have called multiple times to clear this out and I am constantly told that they are going through a system conversion that is taking long for them to reflect payment received. I called enterprise and they advised me payment was sent to navient the first week of XXXX in t he amount of {$650.00}. I called navient and a escalation manager sent me a XXXX balance letter but this morning I received a statement showing i still have a balance. Please help! This is ridiculous that this company is reporting incorrect information and keeping my money if settlement and have no response to when all this information will be corrected.
Company Response:
State: FL
Zip: 33016
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A