Date Received: 2021-03-08
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have told Navient repeatedly to only communicate with me by email or in writing. They claim they are not a " collection agency '' and are not subject to collection agency regulations. They had previously called on Tuesday, XX/XX/XXXX. I told them I had made this number do not call. They said they would do so. On Friday, XX/XX/XXXX at XXXX XXXX., they attempted to call me. I let the call go to voicemail. No voicemail left. On four seperate occasions since 2017 I have written to them asking them not to contact me by phone. As you can see above they continue to do so.
Company Response:
State: NH
Zip: 03801
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The account reporting on my credit score is closed and it is " fraudulent '' and should not be reporting on my credit score. I want this account " DELETED '' from my credit score ASAP or me and my attorney will be taking legal action.
Company Response:
State: VA
Zip: 238XX
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: Navient continues to contact me and I assume other borrowers for repayment of federal student loans, despite the federal governement 's deferment of student loan payments and interest until XX/XX/2021. They are asking for payment during this time, despite knowing that it is not required of borrowers. In addition, when I have attempted to contact Navient by phone, their representatives are appearing to be unaware of the government 's deferment of student loan payments and interest. They have also told me that it is my responsibility to contact them to have payment and interest deferred until XXXX, which is false, as borrowers are NOT required to do anything to take advantage of this deferred period until XXXX.
Company Response:
State: IL
Zip: 60202
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: My Navient accounts have been on an income driven repayment plan for {$0.00} over the last 10 years without any prior missed deadlines. In late XXXX I submitted an annual renewal application 3 months prior to the original deferment deadline. Shortly after submitting my annual renewal, was in the hospital for over 2 and months fighting for my life from XXXX XXXX and was unable to sign requested documents. I explained to Navient representatives that my hospitalized from XX/XX/XXXX to XX/XX/XXXX was related to XXXX XXXX, but they refused to extend deferment and reported my 4 Navient accounts as 90 days passed due to XXXX, XXXX and XXXX
Company Response:
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: They cancel your autopay options and then do not notify you of account changes, this has happened multiple times. I have the money to pay in my bank account ; I put all the loans on autopay and expect to have the money withdrawn. They will pull a loan off autopay with no notification, no call, email, or letter. They want you to go in forbearance so they can charge more interest and fees ; even when making SEVERAL years of on-time payments in full. Very dangerous place to pay back loans!
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been contacting Navient since XXXX trying to acquire information on loans from XXXX, not the consolidated information that they have sent several times. My issue is with the information provided on the Federal Student Aid website does not match. When contacting the Student Aid website I was given a different response regarding the canceled loans than what Navient stated. Attached is a copy of that email and the canceled loan information. Most of the canceled loans had been applied correctly my issues are only with a few of them. I am not sure why I can not get this information, unless it no longer exists.
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: Navient has not ceased their collection efforts, despite me requesting to effectively show me how is it I owed them, where I never took out loans with " Navient '' in the first place.
Company Response:
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Dispute pertains to the wrongful assessment of penalties fees and fines from SallieMae/Navient failing to accept my Income Based Repayment Plan ( IBR ) application from XX/XX/XXXX, XXXX XXXX, XXXX. My dispute has been on-going since XX/XX/XXXX where my loan holder Sallie Mae now Navient refused to accept my income base repayment plan application or otherwise disclose any legitimate reason for its failure to accept my application until XX/XX/XXXX. Once finally approved on XX/XX/XXXX, payments due were to be {$0.00} from XX/XX/XXXX, XXXX XXXX, XXXX. On XX/XX/XXXX, I submitted a letter to Sallie Mae detailing the history of events and the extraordinary impact their failure to assist me was causing. Multiple telephonic discussions with representatives occurred wherein I requested redress and removal of penalties fees and fines. Acknowledgment of inappropriate application of penalty fees and fines were made with retro-active forbearance, but forbearances provided kept listing incorrect dates. Specifically, a forbearance was provided on XX/XX/XXXX for time frame of XX/XX/XXXX, XXXX XXXX, XXXX. This did not fully account for the entire duration of failing to accept my application and granting me access to the IBR plan. I spoke to a representative again and on XX/XX/XXXX, I received a forbearance for time frames XX/XX/XXXX, XXXX XXXX, XXXX, which were the wrong years. ( By this time I was on the IBR plan specifying {$0.00} due each month : there was no need for a forbearance for those years ). Representatives seemed to never record the correct date. Also, representatives conveyed telephonically that the amount of {$590.00} could be submitted in settlement of this dispute. I remitted payment in the aforementioned amount with the understanding that I maintained my dispute of penalty fees and that remission of payment was made only to prevent further accrual of other fees. SallieMae/Navient applied this amount to private loans without my consent. As a result, I submitted a XX/XX/XXXX letter objecting to allocation to private loans and requested that the {$590.00} be credited to the appropriate account and that the amount of {$590.00} be returned to me upon resolution of disputed late fees. SallieMae/Navient applied the aforementioned amount to federal loans, but otherwise refuse to settle or address disputed late fees and persisted in assessment of penalty fees. At no time, has SallieMae or Navient informed me that penalty fees were associated with any other matter outside those resultant from their purposeful failure to accept my IBR application in XX/XX/XXXX. Please note that during years of XXXX and XXXX I was recovering from the passing of my husband. I had shared this with representatives during this time frame and asked them to help me and work with me. SallieMae and Navient did the opposite and purposefully denied me access to federal programs. They engaged in high pressure and deceptive tactics to deny me access to plans that would assist me and illicit payments outside of good faith understandings and my then existing IBR plan. They were predators at a time when I needed grace. Years have gone by with no recourse or access to dispute resolution. Impacts due to student loans have resulted in negative credit reports ; loss of an employment opportunity on XX/XX/XXXX directly related to student loan reports on my credit history ; significant emotional distress ; and compounded financial distress as Navient continues to assess and accrue penalty fees and fines on my account. Due to SallieMae/Navient, years went by before I was able to find an employer willing to hire me. Five attachments are included in support of this complaint. Attachments contain PII.
Company Response:
State: AZ
Zip: 85310
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was looking over my credit report and saw some inaccurate information Of a debt that was already paid and has XXXX balance on them. As a consumer i ask that you remove this information from my credit report because it is ruining my reputation pursuant to 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. I attached a copy of my report showing the balance and inaccuracies.
Company Response:
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I've called NAVIENT, and soon after I ask a question, the customer service representative hung up on me. -- I recognize your agency does not care about this, but I do. Since I feel NAVIENT is already not addressing my needs, having its customer service agent hang up on me adds insult to injury.
Company Response:
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A