Date Received: 2021-03-15
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I received a voice message which read that my student loan had been restructured and that I have to call back at a number they gave me to discuss the terms of the restructuring. The number they left was XXXX. When I called the number, the person named XXXX answered. He said that he was working for the department of education, informed me that there was a class action suit against Navient ( my loan servicer ) and that my loan qualified for forgiveness. The person had knowledge of my student loan, the total amount I owe, the structure of my loan ( that it is six small loans ) the phone number and email associated with the loan. He sent me a six digit code in my email ( which he had ) and asked me to repeat it to him. The he asked for my birthday only. He asked me if I make over Under {$1000.00} a month. I told him that I do not have a set job and I make {$2500.00} a month but not every month the same amount. sometimes less. Then he offered to me the restructuring plan : According to the I has to pay {$240.00} per month for four months, then $ XXXXmonth for the next 36 months. after than the loan will be paid. I asked him to end me the terms he is offering to me in writing and I will call him back. Then I received an email which contained a n snap shot of my total loan. The email was sent from : XXXX XXXX, XXXX XXXX, tel : ( XXXX ) XXXX, fax ( XXXX. e-mail : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. web site : XXXX I believe that this is a scam. But I am very concerned that he had all this information about me.! Later I received emails and text messages saying that somebody changed my FAS ID password. I called Navient whose representative informed me that I have to filed a scam complaint with you.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In or around late XX/XX/2020, I received a bill from the XXXX of XXXX XXXX for ambulance services allegedly performed on XX/XX/2020. I had not been to XXXX in XXXX XXXX or at any time since at least XX/XX/2020 XXXX, and I have never used the XXXX of XXXX XXXX 's services. I informed the XXXX of XXXX XXXX that the debt was not mine, and someone confirmed via email that it would be updated and removed. Since then, I have received a notices from Municipal Services Bureau that I owe the debt. I have contacted the Municipal Services Bureau and was informed that my date of birth did not match the date of birth on the account and that the account would be updated. Nonetheless, I then received another bill a few days ago from Municipal Services Bureau. I have contacted them in writing to dispute the debt. I
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hello, Towards the beginning of the pandemic when the CARES Act was implemented I received notice in my email that my loans were set to 0 % interest and on hold. Like many people, though, I was not aware that that didn't apply to FFELP loans, which I didn't know were distinct from Federal Loans - they were always referred to as XXXX XXXXXXXX XXXX so I assumed references to federal loans included this loan. It wasn't until I started getting aggressive collection calls from Navient that I learned that my old loan slipped through the federal relief cracks and that I was significantly delinquent with them. I hadn't lost my job or anything but my situation is potentially precarious so I was counting on having the benefit of the Cares Act to be able to save my money instead. I'm living in XXXX on a temporary work visa tied to my current job - should I lose my job I'll have to move out of the country immediately. At that time I perused the website looking for the various relief options. They only allowed very short term deferment requiring ample documentation ( and my situation wouldn't have been accepted according to their survey ), IDR/IBR ( I wouldn't have been able to get a lower payment anyway ), or forbearance. XXXX XXXX XXXX was listed at the very bottom of the website 's options but all they had to say about it was that it would combine all loan payments into one payment - nothing about how it would make the XXXX the owners of my loan and thus eligible for federal COVID relief. I sent an email for help to which I received the attached response ( they don't accept regular emails - you have to use their help contact form and you receive a response attached in an image file or PDF that you can't reply directly to - the emails I'm attaching are those responses ). As you can see, they never suggested consolidation as an option. I decided to bite the bullet and just pay up when I could. It was only a few days ago when researching student loan forums about the issue of potential loan forgiveness and what would be done with FFELP loans that I learned that I could have easily converted my loan to a direct federal loan at the beginning of the pandemic and I wouldn't have had to be paying anything all year and I wouldn't have been accruing any interest. Needless to say, I was extremely angry that Navient got ahold of money that could end up being vital for me if the worst case scenario happens ( not to mention that I could just have taken that money that I would have been holding back and paid a large lump sum to the principal before the payment/interest freeze finally expires instead of having a bunch of it go towards interest ). It's clear they're making no attempt to adequately educate their borrowers about the FFELP vs federally-held loan distinction, what our rights are, what our best interests would be, etc. Instead they choose to take advantage of the situation and the confusion to continue to extract interest and potentially push us into forbearance which will lock us into the perpetual debt cycle ( they literally sent out emails during this pandemic saying, " Reply yes to put your loan into forbearance '' which would LITERALLY put your loan into forbearance with a simple reply of " yes '' which I find to be, quite frankly, predatory behavior ). I'm attaching two PDF emails : one where I first asked for options for halting payments in my situation - you will see that consolidation was not mentioned at all. The second one is the latest response to my email complaining about their lack of information about consolidation, informing them that I had already applied for consolidation, and requesting a refund of my payments made over the last year. You'll see that the person responding doesn't seem to actually understand my email. She doesn't mention consolidation, and just proposes applying for XXXX ( clearly didn't read the part about me consolidating ... ). I've also included screenshots of their resources for halting/changing payments : their help portal as well as their little chat bot. I typed Cares Act into the chat box and the subsequent " conversation '' is what it spit out. Both resources never propose consolidation. If you do a direct query of consolidation you'll see that their response isn't really clear about what you're consolidating - you would have to know what it is to know what they're talking about and what the benefits are or to even ask for it.
Company Response:
State: CA
Zip: 94546
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: On XX/XX/XXXX I submitted an Income Driven Payment Plan request to Navient. I am self employed and my incomes has been affected by the Covid 19 Pandemic. I submitted additional income documentation and it was initially rejected due to lack of signature. I have not received any guidance on how to resolve this issue. I contacted customer service on XX/XX/XXXX and was not given any information to resolve the issue my income dropped to XXXX $ in hardships from covid 19. they threatened to have my payments increase if i don't pay. Navient collections department is disrespectful and obscene. I was contacted about a past due debt on XX/XX/XXXX and was advised that I was roughly one month past due in the about of {$50.00} i made this very clear with no direction at all moving forward.
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Greetings : After being released from bankruptcy, there was an attack on my finances. 1 ) During bankruptcy someone added their student loans to my account. I wrote the judge and Trustee 2 ) After being released my balance went from XXXX to over XXXX. I have NOT signed for any loans. I paid for school at XXXX University in 2010. They wont correct that. I have NEVER signed for a private loan and I continuously see these small amounts like {$400.00} and {$600.00}. I asked in a dispute for the signed loan paperwork for all loans. I want an attorney to review all of them. I will not pay for some scrubs education. They one loan was for XXXX who attended some technical school. I have NEVER received a loan from ANY technical school. Recently I received a notice from XXXX saying a deposit was being made to my account from financial aid. I DO NOT receive financial aid ( have not for at least 10-11 years ).
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The late payments you have reported to the three credit bureaus. My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Company Response:
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I submitted a on time payment to Navient for the month of XXXX on XX/XX/21 and for some reason they are reporting the payment as late and I have to resubmit the payment. As a result they reported that I paid them late and this dropped my credit score 51 points. I would like this rectified and for them to remove this late payment/notice from my credit.
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: OH
Zip: 43612
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I am XXXX years old and have XXXX XXXX XXXX XXXX high, l am a retired XXXX XXXX and my salary is XXXX and l can not pay. I worked as XXXX XXXX XXXX but now because of Corona nobody comes I hope they forgive me that loan
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The late payments you have reported to the three credit bureaus. My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A