Date Received: 2021-03-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: PA
Zip: 15132
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was in a deferral period with both XXXX and Navient and submitted the paperwork to consolidate and continue to defer my loans. The organizations did not process my paperwork in a timely manner and it caused all my student loan accounts to go into delinquency. I was never informed that the paperwork had not been processed or that I was back in a repayment period ; therefore, I became 180 days delinquent without ever being notified. Finally after the 180 day mark I received a letter from the organization stating that I was delinquent.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I filled bankruptcy and the judge declaired my student loans be discharged. Navient keeps adding back to my report after disputing and removing it. They are also changing to XXXX XXXX to report. I have a full discharge on both companies. Please make them stop placing themselves on my reports. I am working hard to repair my credit and this is becoming a negative experience.
Company Response:
State: OH
Zip: 44094
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Navient has recently charged me a late fee on my account. I submitted a payment for my XX/XX/XXXX on XX/XX/XXXX, however, the payment was declined by Navient as an incorrect routing number was submitted for this payment unbeknownst to me. Email confirmation I received should a valid payment. I recieved a late fee due to this and have contacted Navient regarding this. Navient has stated they would not reverse the fees due to the fact that recent late fee was reversed as a courtesy and they could not do this at this time. I explained that the late fee I was charged in XXXX was paid in my payment and there was no late fee to reverse charges on. Furthermore, I paid the late fee in XXXX without knowledge or notification of what the late fee was for. At that time my XXXX and XXXX statements both showed a late fee for the same amount that had been paid. I called Navient to find out 1. ) what was the late fee for and the time period it had transpired. 2. ) how long would these late fees be charged and I could not gather information on when or why this was occurring. I have a previous complaint regarding this matter. I was told by the CS representative that when a late fee is charged to the account the customer needs to call Navient to have any future bills cleared on the statement or they will continue to show on future billing statements. I was informed that the late fees dated back to XXXX and XXXX. I was not informed of this that I can recollect and have not located information warranting this action taken on Navient 's behalf. I have sent Navient a reply email stating that I am formally disputing this new late fee and am awaiting a response. Navient 's billiing/financial practices are unethical, damaging to consumers and Navient needs to be held accountable for their lack of ethical business practices.
Company Response:
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: attended the XXXX XXXX XXXX XXXX and XXXX in the Fall of XXXX. In XXXX the counselor at the time told me that I needed to reapply, my mother was with me at the meeting as the counselor revealed I didn't have enough money to continue my education. The counselor then told us that there was a program that would qualify me for an independent loan. The counselor then proceeded to say I could apply for this loan only if I was denied the initial loan. The loan she spoke of however asked for a co-signer of which to re-apply however, my mother was unwilling to co-sign for a loan, and clearly and boldly stated that this was something she did not and couldn't do because of her own situation. The counselor assured us based on my mothers information that we would be denied the initial loan in order to qualify for the second loan due to us not meeting the household income requirements. We trusted the counselors advice and went forward with the original application with my mother as a co-signer with the understanding that we would be denied the initial loan in order for me to be independently qualified for the alternative loan. The initial loan was denied which caused me to qualify for the alternative loan. When I completed an XXXX XXXX program I began to receive letters in the mail stating that my mother and I had a private loan at a 12.5 % interest rate. I was confused because I didnt recall being approved for a loan with my mother as a co-signer, nor did I believe that I applied for a loan at a rate of 12.5 %. After several attempts throughout the years of trying to contact Sallie Mae at the time ( now Navient debt collectors ) and no one could provide me with information on the loan but kept insisting that I make a payment. Since no one could provide me with information, I refused to pay the loan. As a result, I began receiving harassing phone calls from debt collectors ; they even began to contact my mother and threaten to sue her if she failed to make a payment. Because of fear and intimidation, my mother made a payment thinking it would stop the abusive tactics from debt collectors. I eventually was able to reach upper management of Sallie Mae and they informed me that the original loan with my mother as a co-signer was initially denied but then months later it was approved. This was all without my knowledge. Sallie Mae claimed that because it was used by the school that the money is still owed, regardless of me being informed. When I expressed my grievances they refused to acknowledge any wrongdoing and insisted that I pay. I did some research on the school and its name has changed to XXXX XXXX. I was informed that the school is now shutdown and the Treasury Department is attempting to buy the student loan debt. The current Balance amount is XXXX My purpose in writing this letter is to encourage your organization to stop this transaction from happening. These loans should be forgiven and canceled out, especially since the school is now shut down. Please help free me from student loan debt that I was tricked into this situation is putting a hold on my educational pursuits as well as living domicile please help me from being trapped in bonds of undeserved debt and poor credit worthiness due to the unfair and illegal practices of XX/XX/XXXX/XX/XX/XXXX To add to the XXXX XXXX was and is not transferrable to other schools.. I ask that you investigate this case those practices and offer forgiveness of all loans originated through XX/XX/XXXX/XX/XX/XXXX.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am enrolled in a program through XXXX XXXX XXXX XXXX XXXX that offers loan repayment grants for health care professionals working in underserved communities. I have a payment of {$15000.00} that has been submitted 3 times to Navient, my loan holder. Each time, Navient has cashed the {$15000.00} check, then stated that it was cashed by an incorrect department, and have returned the check to XXXX XXXX XXXX without crediting my account. This has been going on for 6 months. During that time, Navient is continuing to compound interest payments on a balance that is {$15000.00} higher than it should be because they are REFUSING to process payment on my account.
Company Response:
State: TX
Zip: 78745
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: For 7 years we have been receiving phone calls from Municipal Services Bureau for debts of various people that have never even had this phone number or lived at this address, and we have on numerous occasions called to tell them this .... They still " robo '' call us ... Now they don't even state who's debt they claim is owed ... Not ours though, since we have none owed to anybody. Some days there are multiple calls from this company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 971XX
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
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: There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I'M SENDING A COMPLAINT AGAINST 1.FALSE STATEMENTS BY NAVIENT RELEASED TO CFPB IN RESPONSE TO COMPLAINT XXXX of XX/XX/XXXX XXXX NAVIENTS UNFAIR AND DECEPTIVE PRACTICE IN DEALING WITH BORROWER XXXX. This complaint is against Navient 's false statements to CFPB received in response to complaint XXXX submitted on XX/XX/XXXX : with these false statements they were able to close the case. Please refer to Complaint XXXX and its reply by Navient for explanations. 1.My last communication with Navient was through Certified post mail XXXX in XX/XX/XXXX in which I sent all the documentation regarding all the communication had in XXXX : letters, e-mails, all Income sensitive Repayment forms filled out with attached documents and explanations of income and tax return with paystub copies, invoices previously sent to them from XX/XX/XXXX till XX/XX/XXXX. XXXX was my last contact with them through their online system. I could not receive any answers through their platform so no contact was done in XXXX as they say. I have attached a document with all the temporal communications with Navient : Year XXXX has been added to show continuity of behavior in a repeated, systematic, unfair and deceptive practice engaged by Navient in relation to IRS Plan Form filing. In XXXX forms were sent in 6 times. Finally accepted in XXXX of XXXX. The documentation send in XXXX that was refused the first time, was exactly the same as XXXX ( XXXX statements ). 2. Proof of income was sent for XXXX with the same specifications of XXXX ( there was absolutely no difference in documents sent in ). Last 3 Monthly statements by XXXX images were sent with my first application form for RENEWAL. But to be fair so that all income could be accountable, I decided to send in also all the invoices and statements because XXXX payments ( 3 last stubs requested ) were very low in their amount ( due to summer months ). I received a denial by them based on wrong documents with no further explanation, I then sent in exactly what I had sent in the previous year so I would not make mistakes : last 3 XXXX images statements only ( so they wouldnt get confused ) ( see attached pdf ) and attached 1040 that show evident need for ISR Plan renewal. Navient states on their reply to CFPB that invoices are not a valid proof of income : 1.Income sensitive Repayment Plan Form has a section were it states : Gross monthly income is the total amount of income before taxes and any other deductions are removed. 2. Forms indicates to circle ALL SOURCES that apply. I indicated Self-Employment earnings. Self employment earnings are most of the times supported by invoices to our Clients and not by pay-stubs. I earn Royalties for my images from which I receive monthly statements but for the rest, for self-employment as a freelance photographer its entirely supported only by invoices to Clients. 3.I was also sent in a worksheet with ISR Plan Form to calculate Monthly gross income which lists various earnings included : Salary/Self-employment earnings, Sales commissions, Allowances, Tips etc. It includes all kind of possible income. 4. On point 2 of the FORM it states : include copies of your most recent pay statements ( or other documentation of your monthly employment income ) For a freelance photographer these documents are mainly invoices. I explained on all my forms that my income was not regular every month so I summed it all up and sent proof of documentation in addition to the last 3 paystubs by XXXX. Navient states in their reply that they could not contact me : My contact information has always been active and valid. My e-mail still is the same e-mail as XXXX. I have received every single automatic reply by Navient for my forms and documents and letters sent in. When I had to turn for help to the Student Aid commission I was advised to change my e-mail address to a certified e-mail so mails could be used legally. But I still had my g-mail active that was used by Navient in all the communications ( I just dont have access to internet all the times ). My parents address in XXXX was also available. It was indicated on the certified postal mail sent to Navient in XXXX. The miscommunication started way before the online update of e-mail address which happened on XX/XX/XXXX. Deceptive actions and neglecting my forms and letters went on from beginning of XX/XX/XXXX till the total end of communications ( to be precise they started from XXXX ). Navient actions have improperly caused myself to incur interests, collection costs, fees, that are the result of a practice engaged by Navient that is unfair and deceptive and in violation of Sections 1031 and 1036 of the CFPA. This deceptive and unfair drill includes continuously, repeatedly, constantly and purposely neglecting and not acknowledging the forms for ISR Plan sent in one after the other, my letters asking for answers, my letters explaining the situation, my 1040s with pay-stubs and invoices, etc, etc. Now they are persistent in violating Section 1031 and 1036 of the CFPA by releasing a false and deceptive statement to respond to complaint # XXXX in their defense and successfully obtaining a closure of the case solely based on their deceiving statements. I understand we are small individuals compared to these unbeatable entities and with no possibility of a lawyer to defend ourselves. I also know it is my word against theirs but it is unfair not to ask for proofs and read the documentation and communications that were sent when the problem arised. Just looking at the 1040 and the gross amount indicated, anyone could see that ISR Plan needed to be renewed. This malpractice of theirs, brought my Loan back to the starting point after having paid off a large part of the sum by using up all my Savings. Now I find myself having to pay for their deceiving, abusive behaviors. I did not receive any information about my Loan being transferred to the agency named XXXX and I never received a notice of default letter by Navient or any other agency. As a result of this conduct, I find myself now having to deal not with one but two collections agencies asking me to pay for the same absurd debt amount. The federal student loan system exists for a single purpose : to serve students and their families. All parties involved in administering federal student loans, including servicer like Navient, must act with honesty and integrity at all times to ensure that the financial aid programs serve the best interests of students. By engaging in these unfair practices, Navient is disrupting this purpose. Their responsibility is to best assist borrowers as issues arise over the lifetime of a loan. I had all the qualifications to receive a Renewal for ISR Plan and Navient was supposed to act with honesty knowing that the options for repayment are keyed to the borrowers income and can be short term or long term and need to take account of their financial hardship. My extreme financial hardship showed with no doubts in my 1040 and all the documents submitted. If you read the pleading letters and mails sent to Navient asking for acknowledgment you can see clearly the desperation they had me go through in XXXX and XXXX by trying to deal with them in getting my Forms, not only to be excepted, which was not the main issue here XXXX just by looking at my 1040 you could tell how bad my financial status as a single mom was ) but they were completely ignored! ( see the attached form pdf with temporal indication of all the communications between Navient and I ) I came to know from State of Attorney Generals office that numerous investigations have uncovered similar misconduct by Navient. I was also informed that State of Illinois and State of California found that Navient regularly misled borrowers who were enrolled in Income Driven Repayment plans about the certification they needed to file annually to ensure that they remained enrolled in such plans, and further discovered that Navient consistently made payment processing errors that resulted in borrowers paying unnecessary late fees and, in some cases, entering into delinquency. This appears to me exactly the path I was pushed into. Ive always paid my Loan with amounts of more than {$500.00} dollars a month. I was able to pay such a huge amount using my Savings and I would make an extra payment of more than {$1000.00} at the end of each year to cut down the principle. When my financial situation dropped and my savings had been almost fully used up, I had to revise my payments totally. I had no intention not to pay. It clearly reads in my pleading letters attached! IN CONCLUSION, NAVIENTS UNFAIR AND DECEPTIVE ACTIONS RESULTED INTO AN IMMENSE PERSONAL AND FINANCIAL INJURY WITH THIS OUTCOME : - Neglect by Navient of forms and letter for Income Sensitive Repayment Plan Re-certification and dishonest evaluation of Documents sent in which purposely delayed the renewal process ( behavior engaged in XXXX and then repeated in XXXX ). - Expiration of Deadline for Renewal of Income Sensitive Repayment Plan not due to my untimely intervention but caused by Navient neglecting my re-certification documents. - Monthly payments raised to full amount due to Expiration of Deadline - Loss of Rights to continue pay my monthly payments on a calculated percentage of income and family size ( see XXXX ) ( single mom ) - Loss of Rights given by the Federal Government to Income Sensitive Driven Repayment Plans with subsidized Loans to have interests paid by the government during the first 3 consecutive years of enrollment in the plan. - Loss of Rights of a possible forgiveness of the remaining balance of the federal loan after making 20-25 years of Qualifying Payments - Defaulted Loan - Loan handed to Collection Agencies with all the fees, costs and interested summed to it - IMMENSE PHYSICAL AND PSYCHOLOGICAL BURDEN BACK IN XXXX - UNBEARABLE PSYCHOLOGICAL BURDEN TRYING TO DEFEND MY CASE TODAY PLUS THE IMMENSE FINANCIAL BURDEN THAT I WILL HAVE TO GO THROUGH BECAUSE OF THEIR ACTIONS ADDED TO TODAYS FINANCIAL HARDSHIP IM STILL FACING WHICH WILL AGGRAVATE THE SITUATION OF LOSS OF JOB DUE TO LOCK-DOWN. Please take in consideration all the information included on this Complaint and give the possibilities to both parties to hand in proofs before closing the Complaint. Sincerely XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91789
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A