Date Received: 2021-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This a formal complaint that you are reporting false and erroneous credit information which has negatively impacted my credit scores with XXXX. 1. NAVIENT Account Number : XXXX RE : Letter to XXXX XXXX XXXX XXXX ; I am exercising my rights ; Pursuant to FCRA Section 609 ( a ) ( 1 ) ( A ) & Fair Debt Collection Practices Act, 15 USC 1692g I have attempted on numerous occasions to work with your NAVIENT to clear this matter and my good name. here are the facts : 1. I am a victim of Fraud. 2. I never received any services for the debt you claim I owe. 3. If I am remiss, you are barred by the statute of limitations to collect on this debt. ( Private student loan dated XX/XX/XXXX. ) 4. The educational institution that you allege that I received services and/or that I owe this debt to was : a. Not a qualified institution of higher learning during XXXX. b. Not properly accredited by the XXXX XXXX XXXX XXXX XXXX and XXXX during the time period XXXX. c. The institution name : XXXX XXXX XXXX XXXX participated in deceptive and/or fraudulent practieces and false advertisement by holding itself out as a reputable junior college with authority to enter its students into a contractual obligation as a legitimate institution with proper license and accreditations. d. The school XXXX XXXX XXXX XXXX was mandated to close its program titled : " Court Reporting '' or commonly known as " Professional Legal Stenographer '' due to lack of accreditation and return any borrowered fund back to the originator on behalf of its student borrower of record as : " PAID IN FULL '' e. Further, the XXXX XXXX XXXX XXXX XXXX breached its duty to perform its obligation to provide accredited educational training in the course of study known as " Court Reporting '' or commonly referred to as Professional Legal Stenographer. f. Further, if there was any aleged debt owing ; it was previously listed and discharged in a chapter XXXX bankruptcy proceeding during the period from XX/XX/XXXX - XX/XX/XXXX as XXXX XXXX XXXX. g. Further, if there is an aleged debt owing as reported it does not meet the criteria based upon correspondence from XXXX XXXX XXXX XXXX as a qualified student loan eligible for debt consolidation. h. Further, this debt has been deleted from a previous credit report and cleared, however has been re-inserted as a current debt owed by me. I would like help from the CFPB to investigate this aleged student loan debt and bring a resolution : Therefore, I request that the company reporting this aleged debt. 1. Delete this immediately from my XXXX credit report. 2. Cease and Desist from attempting to collect this debt. 3. Remove my name from their collection list. 4. Send me notification that this debt is cleared and I am not longer allegedly responsible for the above mentioned debt.
Company Response:
State: CA
Zip: 95823
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: Their investigation did not fix an error on your report
Consumer Complaint: NAVIENT XXXX XXXX XXXX XXXX, XXXX {$4600.00} NAVIENT XXXX XXXX XXXX. XXXX, XXXX {$1900.00} NAVIENT XXXX XXXX XXXX. XXXX, XXXX {$1600.00} NAVIENT XXXX XXXX XXXX XXXX, XXXX {$2800.00} The number of times missed which is being submitted on my credit report looks like inaccurate and or confusing. Kindly have data that the particular alleged account was in fact delayed and you have taken the recommended approaches in order to competently find out your allegations.
Company Response:
State: FL
Zip: 33026
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I completed a consolidation in XX/XX/XXXX and Navient has not been able to explain the approximate {$10000.00} increase to my consolidation balance. I, XXXX XXXX, am providing this written explanation for the basis of the dispute concerning the balance changes for consolidation loans 2-08 and 2-09. I will also provide documentation as requested by the Navient representative. I am currently in the home buying process over the next several months and ask that Navient understand and empathize with me concerning the significance of changes to my credit report during this time. I have reached out to Navient representatives to explain the balance changes for consolidation loans 2-08 and 2-09. No one could successfully identify documentation for the change, the reason for the change, or explain the difference. Therefore, the Navient representative submitted an escalated request for my consolidated loan balances to be reviewed, requesting an explanation of the changes. I have reviewed both in boxes in my Navient portal, and the latest documents posted since the approved consolidations are the tax statements ( XX/XX/XXXX ) and the quarterly interest statements ( XX/XX/XXXX ). Previously, Navient has uploaded supporting documentation in my Navient portal concerning any changes to my account balances for any reason. My mortgage loan is currently in the underwriting process, and the lender will pull my credit again before the approval is final. The last report pulled by the lender reflects my consolidation loan balances foXXXX XXXX XXXX {$220000.00} XXXX and XXXX XXXX {$27000.00} XXXX, as they are shown in the approved loan consolidation and repayment plan totaling {$250000.00}. As of XX/XX/XXXX, my loan balance has changed significantly. The increase of {$9500.00} has increased my student loan debt, which might affect my debt to income ratio. It could postpone or stop the mortgage loan approval and closing date altogether. I hope that Navient understands the severity of my current situation and is aware of how critical it is for accurate reporting to my credit and providing documentation to the lender for such relevant changes. I am clueless about the details of the balance increase and became even more confused after speaking to two Navient representatives that were just as puzzled as me. All in all, I have committed a great deal of my time and finances to reach the mortgage goal of buying a home. I have worked consistently with Navient for the past several months to ensure my student loans meet the mortgage lenders ' standards and the department of education. As you can see, my education is essential to me, and finalizing my approval for this current mortgage loan is equally crucial.
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hi to whom in concern, I have received late payments from Navient for XX/XX/XXXX, and I am devastated. I never received any notifications or anything indicating that I was responsible for a payment due to the nationwide deferment of student loans. According to Navient 's website, " Federal student loan flexibilities for the COVID-19 emergency have been extended at least through XX/XX/XXXX ''. So how was I 90 days late for a payment that was not even due? It has destroyed my credit score. Im currently in an income based payment plan as of XXXX. It wasn't brought into my attention that I was late until XXXX. I do not understand. My payment were held off due to the pandemic, yet I have received penalties. How could I be punished at such a time like it is with everything going on with this horrible virus, and this pandemic that has effected millions. Again, I am completely shattered. Please fix this situation! Thank you for your time on this matter.
Company Response:
State: AL
Zip: 35209
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: To whom it may concern I'm trying to resolve this issue with the department of education for almost 30 years.I enrolled in the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX in XXXX. After a few months ofattending this XXXX school I came down with the flu, at the time I lived in New Jersey and I use totake the bus to go to school. My travel would take about 2 hours to get to school. When I got sick I called the school and explain that I was very sick with the flu, that I won't be ableto attendschool for a few days. And she told mesince I had the flu it would be best to come back to school when I got better. After about 2 weeks I felt much better and went back to school and they told me I could not go back to class because I had missed toomany days. And I explain thatthe reason I did not come to school is that I had the flu, I also told them that I had spoken to XXXX the office manager and she said it was fine to come back when I got better. I askto speak toXXXX and they said she was out sick also. And I ask was there someone else I can speak to about this and they said no, that she was the person that was in charge of attendance and call back in a few days. When I called back they said she was out sick. Waited a few more weeks and called again and then they told me she had a transfer to another department that I needed to talk to XXXX and he was assigned to my case.And he would get back to me with a response about megetting back to class. Again I waited for a few more weeks for aresponse. Never got a call back from XXXX. I called back again and try to talk to XXXX and they told me he was not available that he would contact me. Months pass andI try to call and speak to XXXX and I was not able to speak to anyone about getting back to school.I was veryupset andfrustrated, that I could not do anything or talk to anyone about getting back to school. Months pass I try again to speak to XXXX and with no luck once again he was not available. Several months pass always try to speak to someone that could resolve this problem and was not able to speak to no one.Over a year had passed then I started receiving bills to start paying my student loan, I was surprised I was receiving this even though I had not finished as promised by the school.So I called the school again and try to speak to anyone that could help me resolve this issue or answer my questions, as to why I was being charged for a student loan bill when I was not let back to school to finish my classes. I even ask for XXXX and they told me he was not available. A few months pass started making my payments to XXXX XXXX and I called them and explain my situation and they told me I should contact the school or go in person and get the problem resolve. So I went in person and try to speak to anyone and to my surprise, the school had closed in XXXX So I called XXXX XXXX and they told me to apply for an Economic hardship deferment request and at the time I was not working so they told to apply for an Unemployment Deferment and to also apply for a Loan Discharge Application since I was not let back to finish my classes.And XXXX XXXX told me to keep paying my student loan as best as I could in the meantime while the applications went through because if I did not it would mess up my credit. I apply several times for these applications throughout these years and I never received a response. After a few years of dealing with XXXX XXXX and no solution to my problem, I received a letter saying that my loan had been acquired by Sallie Mae, so I started calling and speaking to Sallie Mae representatives and I explain the problem that I had with my student loan and they also ask me to sent a Loan Discharge, Economic Hardship, and I did a few times and no solution either. After a few more years, I received another letter saying that my loan had been acquired by Navient and I also called them and explain the problem with my student loan and they took my number and I never received a call from anybody. The original company that I was paying to was XXXX XXXX XXXX XXXX XXXX XXXX and then Sallie Mae Loan Services and now Navient. I also contacted XXXX XXXX to see if they can help me fix this problem with my student loan with The U.S. Department of Education. And my claim to get my student loan discharged was decline. I checked my records the original loan was for $ XXXX these past years. I paid to the different companies that had my student loan about {$10.00} And now I just checked my credit and is showing 2 student loans when I only had one. This is why I think I should not be responsible to pay any more money to a student loan that Im being forced to pay, and that the school took the money and ran and never let me finished my classes to get my diploma. Thank you XXXX XXXX XXXX XXXX
Company Response:
State: VA
Zip: 22030
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
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: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I keep having problems with how Navient is handling my payments. I have complained several times and talked to people from various departments and it's still not resolved. I keep paying the bill based on the set amount determined by my income based agreement. Then I get multiple notices stating that they didn't receive payment or its late and they charge me late fees. I paid all payments before the date they told me I would acrue late fees. I recently received a letter dated XX/XX/2021 stating I didn't pay the XX/XX/XXXX bill. I did pay that bill. They took my payment and applied it to the XX/XX/XXXX bill so that they could charge me late fees. I paid the XXXX and XXXX bills already and XXXX knows where that money went. Maybe they used those payments to pay XX/XX/XXXX since they're just snatching my payments and using them however they like. This is the last time. I want this resolved or I'm writing a letter to the Attorney General. I'll also get a lawyer and contact the press and any advocacy group I can find. This has been so stressful for me and I can't take it anymore.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I had contacted Navient ( the company my loans are through ) days prior to the payment due date about lowering my payment options. The representative who helped me also took my payment for that month over the phone. Days after the due date I started receiving strange calls from Indiana and only now did they leave a message. It was an automated message and said it was about my Navient loans and to call them at a specific number. I did not call that number, as I was wary off it being a scam, so I looked at my Navient profile. It was saying that I was short a {$17.00} for my loan payment! I could have defaulted on my loans or pay an extra fee had I not checked all because the representative did not take the full amount needed for my loans.
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is not mine. The contract had me as a primary and I never attend the school. Im a federal employee and hold a clearance. This is the only negative on my credit report. I have submit paperwork, hired a lawyer, and submitted the contracts showing the error. The company wont fix. I did not agree to these loans and the contracts are clear I did not sign these. I have to provide extra documents to get approved for loans, mortgages, and daily needs due to this error.
Company Response:
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-30
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Old loan was sold to Navient. Navient sent bill to old address, and I was never notified other than a letter to an old address. Credit Score dropped because they never called, only sent a letter.
Company Response:
State: VA
Zip: 20151
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A