Date Received: 2021-05-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I had automatic payments set up with Navient through my debit card. They used to have my bank account information but made unauthorized payments using it. But I decided they could do the auto payments through my debit card. I started those three years ago. I was watching the payments and everything was going fine. But last XXXX, I got a new debit card. I forgot to contact the company to make sure they had the correct one one file. But the company waited four months to contact me and ask for a payment. They waited until the account moved to the collections department to reach out. At which point they harrassed me with phone calls and emails four times a week. One week they called me twice in one day. That last for a solid month. I called them and made a payment. But they told me I still owed money just to get it out of collections. I asked for documentation that they would not have my card information on file and that I would also receive the terms and agreements of my account. I asked for certified mail. Never received it. During that phone call they continued to use predatory tactics which caused me to panic. It triggered a recent trauma and the cops were called for a welfare check on me. The phone calls and emails stopped for a bit. Flash forward to XXXX. The company sends me an email that says if I call and make a payment by XX/XX/XXXX they will waive late fees. I call them on the XXXX to make a payment. The woman tells me I do not have any late fees. So now they are using false information to bait me into making payments. By telling me they will waive late fees that is a promise they will provide a service. In this particular instance they have not provided that promise. I no longer can trust this company. Since making that phone call. I have received an email from them asking in a round about way for a payment each day. I has only been 4 days since that phone call. The woman on the phone that day told me she was giving my account to another department who would assign me to a personal account manager. I have yet to receive any communication from any individual who would handle my account. I never talk to the same person on more than one occasion. More predatory and false promise tactics to get money out of people. Their customer service is horrendous and they continue to mishandle accounts. I want my loans out of the company and never have to deal with them again.
Company Response:
State: FL
Zip: 32207
Submitted Via: Web
Date Sent: 2021-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: My loan was established in XXXX for a total of {$7000.00} with Sallie Mae. Navient took over my loan in XXXX. I also have another loan which is the XXXX XXXX XXXX with Navient. AThis letter is particularly concern about the oldest loan. They received 3 large payments from XXXX XXXX XXXX XXXX which is not reflected in the loan payment history. They also add over {$7000.00} in capitalized interest. Payment have been made to the account for over 24 years, yet I still owe {$14000.00}, There is fraudulent loan servicing. I requested a breakdown of my payments and also the original loan documents from XXXX which they can not supply. I would like an investigation in this matter, because my payoff on this loan is slated for another 10 years, which is ridiculous. Thank you.
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Your categories do not address my needs, which is no surprise. Why not have a category for cancel immoral, illegal, unjust, capitalized usury? I have paid {$69000.00} for the last 23 years on time, I only borrowed {$34000.00}. I am requesting and have requested ( begged ) via Navient and the Department of Education Ombudsman that the rest of the usury amount showing owed be canceled. I requested a copy of the phone calls I made on XX/XX/XXXX, they advised I need a court order or must hire an attorney. Really!!?? Incur more expense and time dealing with a loan I have paid for twice? Navient is one of the main reasons that Americans no longer have ANY trust in the so-called system. It is rigged by greed from top to bottom. Navient 's agents and supervisors are merely hired gatekeepers without a good moral compass. They and the Department of Education hide behind complex laws and regulations that they bribed legislators to pass. This is the height of evil. If you all are just playing with people and pretending to protect consumers, you are also evil. If you send me a scripted response instead of actually meting out justice, it will prove my case. I have paid what I borrowed TWICE. The right thing to do would be to just cancel the rest and move on. The government via Navient and it's pawns wants to enslave me for life. My loan was consolidated in XXXX, 27 years ago, I originally borrowed in XXXX, 36 years ago!!!! I was in school full time from XXXX getting a Ph.D. Unfortunately, that was a mistake on my part, believing in the so called American Dream. But, I have paid a VERY high price for this mistake already, and should not pay another day!!! You people will not get away with this financial genocide that you are perpetuating on Americans like myself. From this day forward, every dollar that is exhorted from me via usury and capitalized usury added to my original amount will be a mark against this government, because it is rooted in systemic elitism that is encoded within labyrinth student loan laws. The government has not fooled us! I don't care how many laws and lies you throw my way, they are all UNJUST. Every dollar that I pay going forward will also be blood money on your hands because you are not working hard enough, boldly enough, or courageously enough to do the right thing. Lastly, one of Navient 's supervisors even laughed at me while I was crying. That's OK. It demonstrated to me how right I actually have been about the systemic corruption, systemic elitism, and for those of us who are XXXX systemic racism. I will WIN in the end because I have done the right thing. The government can hide behind unjust laws, Jim Crow Codes and Regulations, and deceive itself forever. Rest assured that it will be amusing conversation to the XXXX, but it is not amusing to me!
Company Response:
State: TX
Zip: 75082
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Getting a loan
Subissue: Confusing or misleading advertising
Consumer Complaint: i am still paying for private student loans for a XXXX program that no employer wants to aknowledge .... XXXXXXXX XXXX
Company Response:
State: TX
Zip: 77035
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have received multiple calls from Navient regarding a student loan that belongs to someone named XXXX XXXX who is using my phone number. I do not have a student loan with Navient, nor do I know a XXXX XXXX. Today was the final straw in receiving calls from them. On XX/XX/2021 @ XXXX XXXX I received a highly unprofessional and threatening message stating I had until XXXX XXXX or else along with a bunch of other stuff. It was so over the top it was almost laughable. When I called back and spoke to someone else, he was the so rude and actually started screaming at me and told me I was wrong in how skip tracing worked. No actually I am not. I work in the credit and collection space and am very well aware of how it works, how data is collected, and what consumer rights are. I absolutely do not appreciate reviewing such an influx of calls, rude & threatening messages, or live rudeness. I pulled my credit reports and XXXX XXXX is not listed anywhere as being identified with my telephone number, nor do I have any type of student debt listed or any inquires from Navient are listed. I want my phone number removed from their records.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I never took out a student loan under my name. XXXX XXXX
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Take a look at this info : It was already deleted by XXXX at one point and I still have an account with them which is and has been in deferment! Please delete late and stop holding me as a consumer back.
Company Response:
State: MO
Zip: 64014
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Two months ago I reported to Navient that my loans reported to the credit agencies as increasing, when my interest rates should be frozen until XX/XX/2021. Again this month my score dropped due to my interest rates increasing.
Company Response:
State: MI
Zip: 48813
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Navient calls my phone multiple times a day every day. If I block the number they then begin to call from another number calling everyday. I have been notified by my sister, mother and a guy I dated that they too have been contacted by Navient in regards to student loans. NONE of these ppl had anything to do with these loans. I am filing a complaint with EVERY agency I can find because these ppl WERE NOT authorized to illegally get phone numbers and call ppl associated with me violating my privacy. This business should be shut down due to its illegal tactics.
Company Response:
State: IL
Zip: 60123
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navient : In XXXX They reported that I was late although the dates reported I was not late. The year of XXXX I submitted documents proving I was on unemployment, and was willing to make a payment. However, they were not willing to accept anything less that the stated payment amount. Because of this they reported 8 late payments for all accounts ( 4 accounts total ). The reported late payments started at 60 days late on XX/XX/XXXX, but months prior to this I have on time payments. I would assume if someone was late it would start at 30 days at least. How is it possible to go from on time to 60 days late in the time span of a month? In the following year ( XXXX XXXX I received the National Emergency Forbearance Due to the Corona Virus Pandemic, Although I was under the forbearance I still received a late payment in the month of XX/XX/XXXX for each account ( 4 accounts ). This is tremendously hurting my credit report, and hindering me from getting approved from things I need. Everything else on my credit report is reporting positively. XXXX XXXX : On XX/XX/XXXX I received a late payment of 90 days late. However prior to then I was on time. in XXXX and XXXX of the same year all accounts were reporting deferred. This is immediately after the late payment I received. XXXX : In the month of XX/XX/XXXX I began receiving late payments, During this time I was in a Forbearance because I'd just graduated I was given a total of 5 late payments XXXX 2018-XXXX 2019. During the month of XX/XX/XXXX I received a late payment on my student loans. This late payment was listed in error because I was under The National Emergency Forbearance Due to the Corona Virus Pandemic. I have spoken with Navient, XXXX, XXXX XXXX and the credit Bureaus and neither of them removed the late payments. During my last correspondence I wrote a letter to all three credit bureaus and they stated that all the information was correct although it is not.
Company Response:
State: MO
Zip: 63114
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A