Date Received: 2021-02-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am a federally protected consumer. I, XXXX XXXX was placed into a consumer credit transaction with Navient on XX/XX/XXXX. Pursuant to USC 6802 Navient never disclosed to me I had the option to opt out of this transaction being reported. The Fair Debt Collections Practice Act is intended to secure my right to privacy and my privacy has been breached by Navient. I mailed an Affidavit of Truth on XX/XX/XXXX with attached Exhibits A-Y showing proof Navient is in violation of 15 USC 1692f ( 8 ), 15USC1692e ( 9 ), 15USC 1692e ( 1 ), 15 USC 1692b ( 5 ), 15 USC 1692e ( 2 ) A, 15 USC 1692d ( 2 ), 15 USC 1692e, and 15 USC 1692h.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have contacted both XXXX and XXXX about the student loan information that is incorrect with documentations and they have refused to correct the problem. They dont even have my correct Name right!!
Company Response:
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have only attended XXXX colleges during the time that I have been in college obtaining my college degrees, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX & XXXX XXXX. I have been battling with Navient & Sallie Mae since XXXX to now regarding student loans that are not mine. I have student loans on my account for schools not only that I did not attend which were XXXX XXXXXXXX & XXXX XXXX XXXXXXXX XXXX. I also filed this student loans in a Ch XXXX BK in XXXX that was discharged as a result of these not being my student loans because I was a victim of Identity Theft during this time ; XXXX and after. I submitted all documentation to the Department of Education, Sallie Mae and Navient who by the way denied my Identity Theft claim, and now they are stating that they never received any of the documentation. I am moving forward with filing a lawsuit against Department of Education and Navient who also bought out Sallie Mae who was also sued as well and having an ongoing lawsuit just like XXXX does. I know because they offered me a settlement as did Sallie Mae. I am also going public with this information with social media and news outlets. Sallie Mae was scamming us for years and now Navient is doing the exact same thing. I refuse to pay for student loans that I did not benefit from at all this is beyond ridiculous I reached out to Department of Education who referred me to Navient on XX/XX/XXXX and they have the power to remove the loans that are not mine but refuse in which to do so. I have been battling this matter for 8 years and I want these loans removed from Department of Education, Navient, and my credit reports as well. The interest alone is beyond ridiculous. My student loans have ballooned from {$160000.00} to {$190000.00} and now I am supposed to pay for loans that are only not mine but was also discharged in a Chapter XXXX BK in XXXX. I do not think so not on my life. This is a violation of my civil rights and the right to have due process. I was not even allowed to appeal the process despite the fact that there is an appeal process nor did I receive a letter from Department of Education regarding them denying my Identity Theft claim which is overly ridiculous above and beyond because I sent them all the supporting documentation to support this. Things have to change with regards to who's in charge and who's making these decisions. This is not conducive to how business is conducted and handled. I need and want answers and support with regards to this matter and I need them now. I want this matter resolved promptly and now rather than later. I am tired of this and it has been 8 years and I am going to do whatever I have to do to deal with this matter. I can be reached by email at XXXX or XXXX.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I spoke with them regarding the incorrect information on my credit report on XXXX at around XXXX I was told by XXXX XXXX that due to the incorrect information that they had on file that I should dispute the reporting of XXXX late payments
Company Response:
State: FL
Zip: 32119
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Paid off two private loan balances in settlement. Still being reported as a past due balance to the credit beaures. I paid this off in XXXX of 2020. When I call, all they tell me is to write a letter To their credit reporting department and that they dont take calls.
Company Response:
State: MN
Zip: 559XX
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I RECIEVED A LATE ON MY STUDENT LOAN IN XX/XX/2021, THEYRE SUPPOSE TO BE IN FOREBERANCE RIGHT NOW DUE TO COVID,
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
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: NY
Zip: 13021
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
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: 152XX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have had this student loan with Navient for well over ten years. I believe it was Sallie Mae in the beginning. I have paid it on time always. A few years ago, I did request they take more out of my checking for payment ( {$100.00} ) so the loan would be paid off sooner. At some point, they stopped taking {$100.00} out and started taking out less without my knowledge, so therefore, the loan is not paid off. I asked them to stop asking me to do auto pay since I don't trust them to take out the amount I requested. They insist on taking out less it seems. I have sent them over XXXX $ in the last 3 months. My payment was only around XXXX $ a month before I discovered they were not taking out {$100.00}. I have been sending way more than that and they keep calling to say I have an overdue amount. There is no way I could have an overdue amount as I am trying to pay this loan off, and they don't seem to even appreciate that. I have asked them to send me an updated itemized statement. The balance on the website now looks way higher than what it should be even after I have made a huge effort to send them extra money since XXXX. My job was eliminated last year due to the pandemic, and I am making a lot less now at a different job. They don't seem to take that into consideration at all and keep calling me saying they can help me with my overdue balance, and I should not have an overdue balance.
Company Response:
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I write to file a complaint against NAVIENT and a possible collection Scam by TWO Debt Collection companies that are BOTH contacting me for the SAME DEBT. Sallie Mae was the Lender for my Student Loan. My payment history has always been outstanding over the years. I never missed a payment. When my financial situation dropped, due to the Italian economical crisis and later on, by my separation, I found myself becoming a single mom of a XXXX years old baby and it all became very hard on my finances. That didnt stop me from trying to still make payments on Sallie Maes Loan. I could not work full time anymore with the baby and as a single mom, so I requested my Lenders to lower my payments. When my Loan went from Sallie Mae to Navient, thats when the problems began. When my financial situation became unbearable, I tried all avenues to work with my Loan holders but the result was a complete absence of acknowledgement of my situation in a completely unprofessional manner. My Loan Holders pretended never to have received the numerous letters and e-mails I sent ( I kept all copies of them on file ). I was approved for an Income Driven Repayment Plan the year before and all they had to do was to re-approve for the new year plan. In my last communications I came to the point to even exhort them to look at my financial situation. They were sent all the papers that showed my income and my financial struggle in having to make full payments. I had every right to request a lower payment and a lower percentage based on my income. I already had all the papers approved the preceding year and it was just matter of them renewing with a signature for the new year that would allow me the continuation of lower payments into the following year. It was not a request. Just a simple renewal! They only had to review my tax return to confirm that my situation hadnt changed. They pretended not to receive my papers and made the due date pass. They pretended not to receive any of my communications. I wrote to them and sent my papers to them 5 times. I called them and let them know that everything had been sent in. Their following action was : they made the due date pass so that they could proceed in sending me a request of a payment in full. It was transparent that their entire action was deliberately taken to this path. I then wrote a certified final e-mail to them so I could have profs of validity in court if needed and they never replied to it. At that time I did not absolutely know how to handle this case anymore. I even wrote to them that the anxiety and psychological pressure they were putting on me by not acknowledging my letters and forms sent in was unbearable and was getting me sick. I did not have finances to hire a lawyer. From overseas it is hard to find solutions as well. Only now I come to know that Navient has committed numerous infractions like these and has been sued by numerous students for their illicit actions. Now, because of their unethical conduct, I find myself paying the consequences of an escalated outcome. I was contacted by not one but two Debt Collectors companies requesting me to pay an immense sum on a Student Loan for which I do not recognize the amount nor the Lenders Name. Both companies are contacting me on the SAME DEFICIENT LOAN SUM. The sum corresponds in no way to the amount of my Loan and the Lender is under a name I do not recognize. I understand that all my effort in paying off my original Loan amount has for sure been completely destroyed by interests and fees. But this amount is double what I own. And how can such request come from two companies at the same time? Im probably the subject of a Scam Ive sent a validation request to the first company listed as XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, NY XXXX and Im in process of sending a validation request to the second company listed as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ma XXXX but with a letter that came not from this address but from the following : XXXX XXXX, XXXX XXXXXXXX, XXXX, Ca XXXX which address I looked up online and it is being listed as a scam company. These are some links https : XXXX https : XXXX Im absolutely freighted from having to deal with such a situation. I have no idea if these companies are real or fake or if a Lender has sold a debt to both of them. I do not absolutely want to release my personal information to any of these two Companies until Im absolutely sure they are legitimate. I also find it completely absurd that I have to pay for the illicit actions of my Lender if the debt comes out to really be the one I own but with a doubled amount. Please Let me know how I should proceed from this point. I will file a complaint with the CFPB, State Attorney General, State Department of Education, Federal Trade Commission and try to take all the steps necessary to resolve the issue. I would be pleased to receive any input on how to proceed on this matter. Sincerely
Company Response:
State: CA
Zip: 91789
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A