Date Received: 2021-01-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XX/XX/2020 My payment was applied to the wrong loan. The agent who follow a month after was aggressive and tried to force me to make a payment when the agent I spoke too make payment mess up. This second time this has happen to me. The first time was last year and they would say they put a recommendation for my account to be update. But the follow week I would receive calls saying my account was past due and do the process of explaining that a agent applied my payment wrong.
Company Response:
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been paying on this loan for my daughter 's XXXX XXXX expenses since XXXX. Navient has been difficult to deal with, and specifically how to understand the method they use to calculate the interest and late fees. I called Navient on XX/XX/XXXX and attempted to pay off the loan. They informed me the payoff balance was {$3500.00}, but they would not allow me to pay with a credit card, only a debit card. I informed them at that time I would be mailing them a check, which I did on XX/XX/XXXX to the mailing address in XXXX, PA they had provided at that time. This was check # XXXX in the amount of {$3500.00}. I called them on XX/XX/XXXX since I noticed that late payment charges were accruing on their online statement, and my check was obviously not deposited. They informed me at that time they had not received the check. I was concerned that they were deliberately holding the check for as long as they could, in order to accrue additional late charges, as this was nearly two weeks since I sent the check. So I told them at that time I would be cancelling the check and would pay immediately with a debit card. I proceeded with the debit payment at that time, in the amount of {$3500.00} which I was informed was the payoff balance. I did receive a confirmation e-mail shortly afterwards on XX/XX/XXXX with the confirmation # XXXX, indicating that the payment was submitted and processed. I did proceed also at that time to place a stop payment with my bank on check # XXXX. I noticed on XX/XX/XXXX that the debit payment was posted to my bank account in the amount of {$3500.00}. On XX/XX/XXXX I noticed also that Navient had attempted to deposit check # XXXX which I had told them specifically I was cancelling and this was 2 days after the debit payment was already processed. I am concerned now that if I would not have placed this stop payment that Navient would have proceeded with processing the check, and it would have been a large project with them to refund the check, and most likely it would have been on their terms, with whatever other late charges they wanted to add. I am attached the e-mail from Navient indicating the debit payment was processed on XX/XX/XXXX, and a caption of my bank statement, indicating that Navient had attempted to process the check for {$3500.00} on XX/XX/XXXX.
Company Response:
State: KY
Zip: 40403
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I went to school at XXXX XXXX XXXX in XXXX Utah where I earned my Associates Degree in computerized accounting. The total loan was about XXXX. Later in XXXX I went to University of Phoenix for a few months. Most of which was pell grant. Some loans were sent to the university and were sent back. Navient counted these loans even though they were sent back to the borrower. I became XXXX with XXXX XXXX XXXX in XXXX. In XXXX Navient garnished my SSDI and also made me sign paperwork tripling my loans threatening that they would take all of my Social Security Disability. Still to this day there is a balance of XXXX on my student loans. Because of what they did I lost my house I was renting and became homeless.
Company Response:
State: TX
Zip: 77303
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid this account with Navient and last time I spoke to them they said they would remove it off of my report once it's been paid. It is still showing up on my credit report even though they said they would delete it. It was removed off of XXXX but it is still showing on my XXXX and XXXX credit report. I called and spoke to them a few months ago and this account was paid 1 year ago. This needs to come off of my report since it's hurting my credit and I am trying to refinance my house.
Company Response:
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX has violated my federally protected consumer rights under the FCRA by committing following action under Truth in Lending Act : 15 UDC 1601 ( a ) Fedloans Servicing has violated my federally protected consumer rights under the FCRA by committing the following actions : 15 USC 1681 ( a ) ( b ) 15 USC 1681 ( b ) ( 2 ) 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) 15 USC 1681 ( a ) ( 3 ) ( e ) 15 USC 1681 ( a ) ( 4 ) XXXX XXXX has also violated my federally protected consumer rights under the FDCPA by committing the following actions : 15 USC 1692 ( d ) 15 USC 1692 ( d ) ( 2 ) 15 USC 1692 ( e ) ( 2 ) ( a ) 15 USC 1692 ( g ) 15 USC 1692 ( g ) ( c ) 15 USC 1692 ( a ) ( 7 )
Company Response:
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Regarding : - My Private, Federal, Department of Education Student Loans Concern : 1. Origination Process a. XXXX XXXX should be held accountable for lack of ethics, underwriting, deceptive marketing practices, price gouging, and absence of clarity to uneducated borrowers by not explaining truth in lending. XXXX XXXX knowingly failed to recognize my financial understanding, vulnerabilities and financial position during the origination process. b. Both XXXX XXXX College and Sallie Mae should be held accountable for originating loans designed to fail 2. Repayment Servicing a. Sallie Mae Bank and Navient Solutions , Inc. should be held accountable for course-plotting me into five of the six forbearances when IBR should have been made available, for omitting pertinent information that would allow me to make informed financial decisions on multiple occasions, for false claims stating theyre willing to act in the best interests of the borrower if the borrower calls in for assistance, for misallocating and misapplying payments, for numerous errors on their website, for misinformation given by customer service representatives, for being placed on hold for an hour and a half, for lack of clarity and transparency and for a substantial monetary injury to both myself and my husband. Please see my 13 page complaint letter and supporting documents.
Company Response:
State: IL
Zip: 625XX
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-23
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: On XX/XX/XXXX I contacted Navient customer support in regards that my FFELP Stafford Subsidized Loan was put into default. The customer service representative told me to email XXXX with my issue. To that email address I wrote the following : -- -- -- As of today I have discovered that a loan, now seemingly owned by XXXX XXXX XXXX XXXX XXXX, which I was informed by customer service is indeed Navient, has defaulted as of XX/XX/XXXX. On the phone I was informed that the loan was delinquent in XX/XX/XXXX. I dispute this for the following reasons. I am under the income-based repayment. I have attached my IBR request that was sent. I've also included my last communication I received from Navient, which is about my Income Driven Repayment request. I have not received any form of communication from Navient or XXXX since that email. As mentioned above, there has been no communication about either any delinquency or other issues. The only way I discovered the loan was in default was through the studentaid.gov which reminded me to check on my loans in relation to the CARES act. The address you have on file is incorrect and has been so for many years. I have repeatedly provided more up-to-date contact information. Navient clearly does have my email address. Considering this, the loan should be removed from being defaulted immediately. Sincerely, XXXX XXXX -- -- - I received immediately the following confirmation email : -- -- Thanks for your recent e-mail regarding your student loan ( s ). This auto response provides confirmation your message has been received. We are examining the issue ( s ) raised in your message. Please allow up to 10 calendar days for any requests requiring a response. If you need immediate assistance, you may call our office toll free at XXXX. -- - Which was followed by a request to verify my identity by sending the last 4 digits of SSN and two other personal identifiers, such as name, address, or date of birth, which I did immediately. After sending the verification details I received another confirmation email saying the message had been received and they will respond within 10 days. As of today, XX/XX/XXXX, I have not gotten a single response from Navient. -- - I then managed to contact XXXX XXXX XXXX, the collection agency working for XXXX, on XX/XX/XXXX. I spoke to a XXXX XXXX who said that he was struggling to pull up the information I sent for unclear reasons. I then sent the same email as above, under his advice, to XXXX, also now including evidence of my original email. I received no response. -- - On XX/XX/XXXX I called Pioneer Credit Recovery again and spoke with a manager who then advised me to email all the documentation again to XXXX and that XXXX XXXX will handle my account. I did so. He advised me to contact Navient as well and that they will forward the information to their client and see if they can get the default investigated. He claimed that their job is to close the account and if that means taking it out of default because it was a mistake then they have done their job correctly as well. He told me to call back the next day to see if there has been any progress. I called Navient immediately who told me they werent able to do anything, the loan is in default, and they have no way of assisting me. On XX/XX/XXXX I contacted XXXX XXXX at Pioneer Credit who claimed that their client said they could not verify my identity and therefore require more documentation to prove who I am. I sent the same email as above, with the same attachments, but now also including my passport and drivers licence scans. She primed me to expect that itll take weeks before we see any progress. I am skeptical of what efforts they will undertake to satisfy this issue. Navient has denied me any information or response whatsoever in what is their error in processing my income based repayment documentation. As mentioned in my emails to them, they never contacted me or managed to communicate any issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: ( 1 ) Navient page 5 under Governing law and Notice last paragraph state No provision of this Note may be modified or waived expect in writing by the lender of the Note what does that mean? ( 2 ) Why does the Lender of the Note state my IDs?
Company Response:
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2021-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I made the scheduled payments on my Navient account last month. I paid $ XXXXon XX/XX/2020. I go to the Navient site today, XX/XX/XXXX, and I am now seeing a payment of {$100.00} that Navient 's states was due on XX/XX/2020. I do not understand where this " payment '' comes from. When I made a payment on XX/XX/2020, I did not see any other payment that was due.
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2021-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: From the beginning of paying my student loans I have been on the automatic payment plan. I dont have any difficulties paying my account. Around XX/XX/2020 I noticed after looking back my accounts that my student loan hadnt been taken out. When I went to go check my Navient account I realized I had been put in forebearance. No payment had been taken from my account since XXXX. I had never requested forebearance nor did I need it. Now that I am looking to buy my first home I found out my credit score went from over 700 to below 680 because the non payment that i had never requested affected my score. This is unscrupulous. I also found out that interest is still charged. This should not be allowed and this should be corrected.
Company Response:
State: TX
Zip: 78727
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A