Date Received: 2021-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Navient is calling my work phone multiple times a day. Sometimes they call back immediately if I decline the call. The calls are Robocalls and because it is not my debt, I have no way of making my way through their automated system to get in touch with anyone. I have called an left messages and emailed asking them to stop. I had to take the time to listen to and delete every single one of their useless voicemails. I have never had any dealings with Navient or any student loans from ANY sources. I sent an email to every email address available on their website and finally got a response stating that they would need time to " research my concerns ''. In the meantime, they continue to call and leave messages. This has been going on for a year. That's a minimum of 260 voicemails. More if you count the days they call more than once.
Company Response:
State: HI
Zip: 96732
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I attended XXXX University in XXXX XXXX, VA from XXXX to XXXX. During that time, I received yearly student loans to pay my tuition. After I graduated, I got a deferment from repayment. Unfortunately, in the 18 years since I graduated, I have lost my original loan paperwork and I don't remember exactly when I started to repay the load. Currently, my student loans are serviced by Navient. I started working for the federal government in XXXX. Shortly after that, I had my school loan payment automatically deducted from my paycheck. I retired in XXXX of XXXX and contacted Navient in XXXX of XXXX to find out how much I still owed on my loans. It was very difficult to get an exact accounting of my loan history from Navient. They sent me a two-page history of my loan payments for the years XXXX through XXXX. In addition, they sent me a very confusing printout of my loan activity beginning in XXXX. They did not explain the reasoning for how my loan payments were being applied before XXXX. Also, it appears my principal loan amount changed over the years. On one of the Navient reports it says my original loan amount was {$80000.00}. On that same document, it says my original loan amount was {$84000.00}. In the report they sent me that covers the years from XXXX to XXXX ( although the years XXXX to XXXX are very confusing ) it shows that I made payments every month by automatic deduction from my paycheck in amounts varying from {$310.00} to {$380.00} per month. Because the report is so disjointed, I can not be sure of the exact amount that I have repaid so far. Nonetheless, my calculations indicate that I have paid more that {$32000.00} on my school loans. However, their report shows that I still owe {$80000.00}. In other words, despite my re-paying more than {$32000.00} on this loan, my principal has only gone down about {$4000.00}. When I took these school loans it was my understanding that these were low-interest loans guaranteed by the federal government. I know many people have defaulted on their school loans, but I am not one of those people. I paid the required payment every month for many years. I just want my original loan amount calculated correctly and repayment be made fairly, in accordance with the intention of the loan programs. It seems to me that Navient has abused its responsibility to the students and the federal government.
Company Response:
State: FL
Zip: 33950
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO: FCRA 15 USC - 1681b(a)(2) 1681d(a)(1)(A)(B) 1681e(a)(b)(c)(e) FDCPA 15 USC- 1692e(a)(b)
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In the Fall of XXXX and again XXXX of XXXX I called Navient to see how I could reduce my loan payments, Instead of telling me about income based repayments they steered me into a forbearance which, when it was over, caused accrued interest to be capitalized into my principal. Additionally they mis-attributed the time of the XXXX forbearance to dates when I was working full-time for a non-profit and paying my student loans back -- these payments and all payments made before I knew about IBR were rejected for the temporary relief program. They also never told me that I needed to be in an incomebased repayment program to qualify for PSLF so three years of work at low pay is down the drain in terms of PSFL.I have transfered my loans to a different servicer but all the information that came with them is from SallieMae and Navient.
Company Response:
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: They don't work with me. They don't pick up the phone. Would like them off my credit report
Company Response:
State: IL
Zip: 60532
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navient is reporting late notations on my credit file for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These late are erroneous as my student loans have been in deferment due to Covid. I have tried to make a payment and Navient has told me that I can not do so because they are in deferment. However, I looked at credit and noticed that they are updating lates?! I am not late! I can not make a payment on these accounts until the end of deferment. I ask that they remove them immediately.
Company Response:
State: ID
Zip: 83401
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be validated or deleted and removed from my credit record, these items must be removed from the credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have not supplied proof under the doctrine of estoppel by silence, Englehart v. Gravens ( Mo XXXX 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This complaint letter is a private matter governed by the Fair Credit Reporting Act, and Consumer Privacy Bill of Rights. If you fail to heed to this notice, my next step will be to file a formal complaint against this agency with the Federal Trade Commission, the Consumer Financial Protection Bureau.
Company Response:
State: AZ
Zip: 85035
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Last XXXX I made a payment and the interest went up {$6000.00} from the time Navient took it from XXXX (? ), and I only have one loan and they have me down as two. They said the interest was only a little over a dollar a day. Previously they didn't even have the right ssn or birthdate and now they do. I thought through the pandemic that interest had stopped.
Company Response:
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I review a current copy of my credit report and show dept of XXXX showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. DPT ED/NAVI Account number : XXXX XXXX DPT ED/NAVI Account number : XXXX* DPT ED/NAVI Account XXXX DPT ED/NAVI Account XXXX DPT ED/NAVI Account number : XXXX DPT ED/NAVI Account number : XXXX
Company Response:
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Hi, I was shocked today when I reviewed my credit report and found late payments for my student loan accounts for Navient during the Covid19 pandemic where i thought all student loans were in deferment or in forbearance stand. How is this possible that your company is reporting student late during a pandemic. AM i not protected? Also, wasn't navient sued before by cfpb for not applying for the payment correctly or in timely manner for their clients???? Also, 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: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A