Date Received: 2021-02-03
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: In XX/XX/XXXX, I applied and was approved for Income-Based Repayment which as I was told by my loan servicer, which at the time was Sally Mae was the only step I needed to take at the time to work towards the Public Service Loan Forgiveness Program. I re-certified my income year after year to remain on this IBR plan and collected my Employer Verification forms for the ten years that I have continuously worked for 501 ( c ) 3 organizations as instructed by my loan servicer, which is now Navient. In XX/XX/XXXX, I attempted to submit those Employer Verification forms through studnetloans.gov as instructed by Navient but the system did not allow to do so. When I called Navient to inquire about this, they told me that I would need to send the Employer Verification forms to XXXX who processes all requests for Public Service Loan Forgiveness at this time. I faxed all the needed forms to XXXX on XX/XX/XXXX. I called to XXXX regarding receipt of this paperwork on XX/XX/XXXX and was told I needed to wait 30 days to confirm receipts of faxed communication. I called back to XXXX on XX/XX/XXXX and was told they had no record of communication from me but that fax communication may be delayed due to the holiday. On XX/XX/XXXX, after speaking to a customer service representative at XXXX and still being told there was no record of me in their system, I was transferred to a Public Service Loan Forgiveness Specialist in the organization who notified me that a denial letter for my application to the PSLF program had been sent to an old address that had been on an Employer Verification form from a previous employer. She stated over the phone that my application had been denied because I had failed to consolidate my Stanford loans into Direct loans when I originally began my income-based repayment in XXXX. However, never between XXXX and XXXX had I been notified by Navient that I needed to consolidate my loans into Direct loans in order to participate in the program, even though I had inquired to make sure I was on track with the PSLF program throughout my 10 years on IBR. During that time I was only told that as long as I made good faith payments on the IBR plan, I could apply for loan forgiveness after completing 120 payments. I asked the representative from XXXX to send the denial letter to my current address, and it is attached here. My conversation with the XXXX PSLF representative was the first I had heard about the need to consolidate by Stafford Loans into Direct Loans in order to participate in the program. At that time she advised me that none of the payments I had made on my IBR plan since XX/XX/XXXX would count towards the 120 payments needed to apply for loan forgiveness, but I was never given this information by Sallie Mae or Navient who have been my loan service organizations.
Company Response:
State: TX
Zip: 79705
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Someone keeps calling my office and trying to collect a debt that I know nothing about. They call all the time. Their number is Navient XXXX
Company Response:
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: This was a private loan my school took out to help me pay for school. I spoke to Sallie Mae about this loan because my student loan look different. Sallie Mae told me did you realize you have a private loan. I paid the loan in full. The company who the loan was with the name XXXX XXXX XXXX XXXX XXXX XXXX. This loan was taken out in XX/XX/2007 name XXXX XXXX student loan business. The school was XXXX XXXX that took out this loan.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Received settlement offer {$9500.00} on XXXX paid in full and now they are saying I didnt which is not correct. They have a collection company calling me and they need to stop and i want a letter saying the two loans were settled in full. They are saying payments of {$1100.00} and {$1700.00} were rejected by my bank. These numbers are random and not anything i paid .. see attached cancelled checks account # XXXX Loans ending in XXXX and XXXX XXXX {$1500.00} paid XXXX {$1500.00} paid XXXX {$1500.00} paid XXXX {$2400.00} paid XXXX {$2300.00} paid XXXX {$200.00} paid
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: My student loan debt was transferred to Navient. I applied for an income based repayment and had a set rate of {$820.00} a month which was manageable. However, Navient continues to charge me an additional {$800.00} a month in " fees '' so in order to keep current and not have late fees, in reality my payment is {$1600.00} a month which is a struggle. And when I review the payment history, all of the payments have gone to interest only and nothing to principle. I will never be able to pay off the debt! When I have called to discuss they talk in circles and do not provide any reasonable explanations or options. I attempted to refinance with another company - but Navient does not have a full account number listed on my account ( has part of it blocked out - why?? ) nor is there any option to view a monthly statement - both of these are needed to apply to refinance. It just seems too sketchy to me especially with all the other complaints I have read.
Company Response:
State: FL
Zip: 34698
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navient Student Loan Service reported a balance increase ( interest increase ) during the Federal Covid Forbearance on or around XX/XX/2021 which caused a drop in credit score. There should have been no increase as all of my loans are federal and covered under Covid forbearance prohibiting interest accrual and balance increase. They now will not respond to my contact attempts including email sent.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I received a letter from Pioneer/XXXXXXXX about a delinquent school loan that was owned by XXXX. I recently reached out to XXXX about 2 loans that are being reported on my credit report. These loans are being reported as late/delinquent as of XX/XX/XXXX in the amount of {$28000.00} and {$36000.00} with a loan open date of XX/XX/XXXX. I received a call from XXXX @ XXXX XXXX on XX/XX/XXXX at XXXX. XXXX stated they received my request for debt validation and proof of legal ownership to collect on a debt. XXXX informed me that they only keep statements/documents for up to a year and at this time they dont have any statements or paperwork to send me. XXXX informed me that I do not owe them anything and my account has been transferred to Pioneer/XXXX as of XX/XX/XXXX. I informed XXXX that XXXX is still reporting on my credit as of XX/XX/XXXX. XXXX stated that XXXX is no longer reporting and to send him a copy of my Credit Report. I informed him I provided XXXX a copy on my last CFPB complaint. XXXX stated XXXX credit department will handle that and there is no one I could be transferred to in that Department. Going back to Pioneer I recently received a letter stating they are trying to collect on a delinquent student loan debt. Pioneer mailed this letter to a old address in XXXX Michigan. The letter contained no Date. The letter stated they are trying to collect on a debt on the Full amount of {$130000.00}. I have no idea why I owe this debt. I sent Pioneer a debt validation letter on XX/XX/XXXX informing them I am requesting a detailed statement of this debt and interest I owe a legal standing to collect this debt by showing me : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the debt ; with my ink signature. I am very confused to why XXXX is reporting one debt to the Credit bureaus when they informed me they dont have any paperwork to why I owe them a debt but then they are able to validate with the Credit bureaus that I owe them a debt they dont own. I believe that XXXX has sold/given my information to Pioneer since they couldnt supply a validation of debt. Pioneer has stated calling me to collect on a delinquent debt that I know nothing about. No one want to provide me with any correct information. I am unable to find suitable employment because of this credit blemish. I am unable to obtain credit because of this credit blemish.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: XXXX XXXX XXXX XXXX is attempting to collect on a Federal Student Loan and has garnished my wages. Despite the implementation of the CAREs act and a freeze on student loans per the Dept of Education. XXXX claims that they are exempt from the CARES Act passed XX/XX/2020 And with Bidens EO. They have refused to remove the garnishment, and they claim they are exempt from Federal Law and New York State Law and will not remove the garnishment or reimburse me funds that they are attempting to collect. I spoke with multiple managers, and there was no equitable outcome. I have paid off nearly 90 % of the value of the loan and the loan was suspended per Federal Law in XXXX 2020 during the Covid Crisis. The company claims they are only servicing the loan and will not work out a solution nor pull back the Garnishment to comply with Federal law. https : //www.consumerfinance.gov/coronavirus/student-loans/
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I was part of a class action lawsuit against XXXX XXXX and I was awarded a letter that my student loans were cancelled per case XXXX XX/XX/2020 I have opened several disputes with XXXX and I am not getting any feed back and they are not looking at the order I sent over a copy of this for them Then I reached out to Navient, and they refused to give me a good physical address to send over a coy of the court order the representative I was speaking to was XXXX XXXX XXXX XXXX XXXX XXXX A representative will be with you shortly. XXXX XXXX.XXXX XXXX is joining the chat. XXXX XXXX XXXX XXXX.Hi, my name is XXXX from Navient, how may I be any of assistance for you today please? XXXX XXXX XXXX XXXX.Hello XXXX XXXX XXXX.are you a real person or A.I.? XXXX XXXX XXXX XXXX.I am a real person, how may I help you today please? XXXX XXXX XXXX XXXXok I have a case number XXXX that discharges all of my student loans as of XX/XX/2020 I am looking for a good address and email address to send over a copy of the court discharge because this is still showing up on my credit report XXXX XXXX XXXX XXXXOkay, before I can assist you with any request, I do have to ask for a good contact telephone number for your account please. XXXX XXXX XXXX XXXX XXXX XXXX.what is a good email address to send over a copy of my discharge XXXX XXXX XXXX XXXX.Thank you, I will need to ask you to help contact you more efficiently, may Navient and its subsidiaries, affiliates and agents contact you at this number using an auto dialer or pre-recorded messages regarding your current or future accounts? XXXX XXXX XXXX XXXXthere is no reason for future contaxct all myloans have been discharged XXXX XXXX.I need a good email address and good physical address XXXX XXXX XXXX XXXX.I apologize, but I do need a clear yes or no to contact your cell phone number please. XXXX XXXX XXXX XXXX.sure yes XXXX XXXX XXXX XXXX.To help contact you more efficiently, may Navient and its subsidiaries, affiliates and agents send text messages to you at this number using an auto dialer regarding your current or future accounts? XXXX XXXX XXXX XXXX.now what is a good email address and a good physical address XXXX XXXX.thats ok I will have my attorney contact you and screen shot this conversation of you avoiding my questions XXXX XXXX XXXX XXXX.Thank you, unfortunately, I can not assist you in this chat with any questions about your loans. You will need to call the charged off department at XXXX. Do you have any other questions today?
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Several times over the past approximately 5 years navient has texted me statements saying that I can easily take care of my problem with a forbearance by just clicking yes here or typing yes here and sending it back to them. Made it seem like this was a very simple fix and did not at the time specifically offer income-based repayment plan. Feel like they purposely made it very easy to just type in yes send it back for forbearance which causes my payments in the end to increase over interest still necessary to pay during the forbearance.
Company Response:
State: NY
Zip: 143XX
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A