NAVIENT SOLUTIONS, LLC.


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"Products" offered by NAVIENT SOLUTIONS, LLC. with at least one, but usually more complaints:

Bank account or service - Checking account
Bank account or service - Other bank product/service
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Consumer Loan - Installment loan
Consumer Loan - Pawn loan
Consumer Loan - Personal line of credit
Consumer Loan - Vehicle loan
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Refund anticipation check
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Other financial service - Debt settlement
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Loan

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 4325046

Date Received: 2021-04-23

Issue: Dealing with your lender or servicer

Subissue: Received bad information about your loan

Consumer Complaint: I have received 15 phone calls between Wednesday XX/XX/XXXX and Friday XX/XX/XXXX. I finally called the number back at about XXXX to see what they wanted and who they were since they werent leaving any voicemails. I called them back a second time, this time with my wife being on the phone with me to help deal with the issue. I was active duty military from XX/XX/XXXX to XX/XX/XXXX and then was active reserves from XX/XX/XXXX to XX/XX/XXXX. They do not have a military policy listed, I would of had to call a separate number to discuss any kind of program to be put on. I had both federal loans ( 8 ) and private loans ( 2 ) with this particular lender. I do not know why I was only able to take out 8 federal loans and the last 2 loans needed to be private. My payments went towards the federal loans first and they are all paid off. The last 2 loans were private. Why the federal loans were paid off before the private loans, I dont know. I just made the payments and Navient applied them there is also several fees applied to my loans which I do not understand along with terms like resale, reversed payment, forbearance payment and adjustment. There is even a late charge for one month of {$100.00} on a principal amount of {$8300.00}. I briefly qualified for their income based repayment plan and then was kicked off without notice. I went back to school in XXXX of XXXX to further my education and just graduated during the pandemic. As of Wednesday XX/XX/XXXX to today Friday XX/XX/XXXX I had received a total of 15 phone calls. The 15th phone call happen while I was on the phone with a representative of Navient. Was told while on the phone with the representative that I had called back in time before they reported everything to the credit bureaus. The representative put me on a, what I thought was a rate reduction program, but was put on an interest only payment program. The website specifically states that the rate reduction program is good for 6 months whereas the interest only program does not. I agreed to this program and hung up with the representative. After discussing all this information with my wife, we ended up calling back Navient and discussing other options that are listed on the website. The representative we were talking to the 2nd time eventually transferred us to a supervisor/manager to which we were going round in circles to get a much better explanation on why I wasnt able to qualify for Term and Rate Modification Program. All the supervisor/manager would keep saying that is these programs do not apply to me. While talking to representative and supervisor/manager we kept asking what the qualifications were for these programs and the representative kept on saying that she had a bad connection and couldnt hear me and was still unable to answer the questions which then she transferred me to the supervisor/manager. I was told that there was no grace period after graduation and needed to start paying immediately. I was informed that I didnt qualify for the Rate Reduction Plan even after the last representative from the very first call said I did, and then was told that I was put down for an Interest Only Plan which was not told to me. I requested numerous times documentation as to why I dont qualify for these plans and what the qualifications for these plans were and the supervisor/manager said that he does not have that kind of form letter. I stated to him that I was not asking for a form letter but documentation of why I did not qualify for these programs that are offered. Supervisor/manager said that each case is dependent on several things and figured out on a personal basis. However he was not able to give me any qualifications or tell me anything personal regarding my case as to why I didnt qualify. I also asked for a printed copy of my payments and documentation of when I was on the Rate Reduction Plan and they did not think they could get that information either. I was falsely told I was on an Income Based Payment Plan when that was a Rate Reduction Plan for 6 months and then told today ( XX/XX/XXXX ) I was on a Rate Reduction Plan when they entered in the notes as an Interest Only Plan. My interest continues to increase to a now 9.75 % There website does not clarify any qualifications for any of these programs and neither can the customer service or management. They also stated they do not have documentation of this. How is this fair to me and any other borrower. If I was able to be on the rate reduction program I would not be in the spot of struggling with payments like I am. Upon further review of my loan details and history of my federal loans and private loans that I have with Navient, my wife noticed some pretty HUGE discrepancies with the private loans on how dollar amounts dont add up.

Company Response:

State: MN

Zip: 56201

Submitted Via: Web

Date Sent: 2021-04-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4324023

Date Received: 2021-04-23

Issue: Communication tactics

Subissue: You told them to stop contacting you, but they keep trying

Consumer Complaint: I couldn't afford my payment so I tried to refinance but they wouldn't allow it so I had to make payments as I could afford. They called me nonstop, using aggressive tactics, they've called me, my parents, my husband, my in-laws, my work. They leave a voicemail at my work every single day. I sent a cease and desist letter 9 days ago and they received it 3 days ago but have continued to call me every single day.

Company Response:

State: IA

Zip: 50310

Submitted Via: Web

Date Sent: 2021-04-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4323708

Date Received: 2021-04-23

Issue: Struggling to repay your loan

Subissue: Problem lowering your monthly payments

Consumer Complaint: When I applied for student loans years ago, Navient pushed me into private student loans instead of federal loans, despite me not having any federal loans. I currently have a balance around XXXX, my monthly payment is over XXXX dollars, but only around XXXX of it goes to principal and the rest is interest. Ive never made over XXXX dollar a year yet my payment is never reduced, they only offered that I can pay interest only, which is over XXXX dollars a month, and removes no principal. It has been over 10 years since Ive started paying my loan, have paid over the balance of what my loan was, and yet my balance has barely dropped due to high interest. I have requested to possibly refinance my loan, or some kind of remediation due to the amount paid against what was owed, and Navient has refused to work with my, only offering me to pay just my interest each month, which as I said is still very high and does nothing to reduce my debt, its essentially giving money away. I have paid more than my initial loan amount and have expressed financial difficulty, yet Navient refuses to assist. It should be noted that had they given me federal loans as they should have when I applied, this would not be an issue.

Company Response:

State: NJ

Zip: 078XX

Submitted Via: Web

Date Sent: 2021-04-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4323481

Date Received: 2021-04-23

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: Navient student loan company harassing my father sending multiple false letters demanding past due amounts of fake student loans. Please help!

Company Response:

State: TX

Zip: 778XX

Submitted Via: Web

Date Sent: 2021-04-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4323419

Date Received: 2021-04-23

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: Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ 1000+ per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT! Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting. ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul mis reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT # 1 Dept of ED/NAVIENT - Alleged Late Payment XX/XX/2019 NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information. 1. Tell me in writing what information you refuse to remove and why. 2. Tell me in writing what you did to determine that the information was accurate. 3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at the address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. Further, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, perso nal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within a timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below. Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

Company Response:

State: MN

Zip: 55024

Submitted Via: Web

Date Sent: 2021-04-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4321932

Date Received: 2021-04-24

Issue: Dealing with your lender or servicer

Subissue: Trouble with how payments are being handled

Consumer Complaint: Navient has unfair business practices for my private student loan and violates regulation z, p, unfair practices etc. they have never provided a payment schedule to me, leaving uninformed how I continue to pay money and my loan never resolves. they don't provide any tax documents, how interest is capitalized, how extra payments don't all go towards principle and end up paying interest and principle even if in excess I've been on public assistance for basically the life of the loan and my cosigner is also disabled getting permanent XXXX. I've provided over 8 applications for cosigner release in the past year and they have no responded to any of my applications with how to submit whatever random evidence they need or require.

Company Response:

State: CA

Zip: 958XX

Submitted Via: Web

Date Sent: 2021-04-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4321535

Date Received: 2021-04-24

Issue: Dealing with your lender or servicer

Subissue: Trouble with how payments are being handled

Consumer Complaint: There is no way to make payment towards your loan principal online. I try to contact Navient customer service, but they are closed and their XXXX customer service bot does not provide any information on how to pay toward principal, only how to make normal payments towards fees and interest. After spending an hour on the website, I was able to figure out how to pay towards my principal. In order to make these payments towards principle, you have to write a check and mail it to Navient, and include a note that specifies that this payment must be made toward principal and include account number. You have to find the address, which is different depending on the type of loan you wish to repay. Additionally, Navient offers settings online that determine where any overpayment might be sent. None of these options give the choice of paying towards principal. In order for anyone to pay off a loan within a reasonable amount of time, it is advised to make additional payments towards principal. As a loan servicer, Navient knows this and clearly does not want you to pay down principal as evidenced by how hard they make it to make these payments and to find information on how to make these payments.

Company Response:

State: FL

Zip: 336XX

Submitted Via: Web

Date Sent: 2021-04-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4320774

Date Received: 2021-04-23

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: According to my research the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit so there should have no late payments in my credit report.

Company Response:

State: TX

Zip: 77054

Submitted Via: Web

Date Sent: 2021-04-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4320254

Date Received: 2021-04-22

Issue: Struggling to repay your loan

Subissue: Can't get other flexible options for repaying your loan

Consumer Complaint: I am writing to complain about Navients educational loan unfair tactics used to keep their payees in perpetual debt. I understand there is a class action complaint in process. I would like to learn what I can do about my situation and be included in the class action process as well. Some background, in XXXX, my two education loans were consolidated under Sallie Mae at a six percent interest rate and eventually managed by Navient. The original principle amount was ( {$51000.00} ). Over the past twenty years, payments were made totaling {$63000.00}. As of today, XXXX XXXX, my balance is {$40000.00}. Meaning, after making over 160 monthly payments over the past sixteen years of {$63000.00}, the principle on my loans has only reduced by {$10000.00}. Ridiculous!! Part of the reasoning that the principle does not decrease very much is most of the monthly payment goes towards the interest. Also, additional interest has been capitalized on top of the balance due to a few periods of time when loan was on deferment or forbearance. There were times I simply did not earn enough money to pay rent, bills, and student loan payments and I fell into a vicious cycle. Sallie Mae or Navient never gave me an option that worked with my income/debt ratio that was realistic. I had to go bankrupt in XXXX due to having too much debt and not enough income. That only resulted in credit card debt being excused, not education loans. Over the past few years I have been able to make inflated payments due to increased income. Only then was I able to reduce the principle a little. My efforts should have gone further than a few thousand dollars towards principle. The interest structure on these loans is what is preventing the borrowers from getting to payoff. Currently, I am unemployed and afraid of not being able to keep up with the momentum of payoff. I fear that will result in more interest being capitalized and the balance increasing again. As it stands today, I will need to make a monthly payment of at least {$460.00} until I am XXXX years old. So, I will have to hold off on retirement or win the lottery or something to get this debt off my back. It wouldnt be so bad if my payments went towards the principle. I honestly think the finance companies should not make the huge profits off of educational loan debt that our system allows for them to. I am anxiously waiting to see what President Biden and Congress will pass for our indebted education loan borrowers in perpetual payback, if anything. So far nothing in the works seems to pertain to my situation. I am asking for guidance from the CFPB. Can you guide me towards a resolution or direct me towards the current efforts that may improve my situation. Anything would be appreciated. I have attached files showing loan history and balance information and a transaction payment list for the life of the loan with Navient.

Company Response:

State: CA

Zip: 94602

Submitted Via: Web

Date Sent: 2021-04-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4319033

Date Received: 2021-04-22

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: Today XX/XX/XXXX, I called Navient to remove my information front credit report but was told that they did not remove the information because XXXX is suppose do that. I then called XXXX and they told me that it was the responsibility of Navient to report it wrong. A little got was a run around from both. My student loan was XXXX in XXXX. I have had other issues with XXXX not removing incorrect information on my credit report. The other credit reporting companies have removed this information. I hope you can help b cause I do not want to have to pay for a lawyer to solve this.

Company Response:

State: TN

Zip: 370XX

Submitted Via: Web

Date Sent: 2021-04-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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