Date Received: 2021-01-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Navient is not supposed to charge interest, make collections and report to credit reporting agencies any information that jeopardize the student credit. Now Navient is reporting installment behind and pending to XXXX. This situation lower my credit score in a discriminating action for being XXXX. They did not do this before and now to add pressure for payment under the new federal government request, they are forcing students to pay by reporting students to credit reporting agencies.
Company Response:
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XX/XX/2021 By the name XXXX XXXX contacted my wife 's phone from XXXX at XXXX XXXX and left a message. In that message she spoke very fast and not every word was spoken clearly ; however, she left personal information ; my full name, my age, full DOB and full address. My wife 's phone does not have a personal voicemail message, so she had no clue who she was even leaving the message for. She also left this full message on XXXX of my daughter 's voicemails as well. She is contacting and give all my personal information to several people. After reviewing the message several times I believe the company 's name is MSB or could be MSV. She left a message threatening that she is in arbitration process incentive division and that I have a case number with XXXX XXXX. The case number she left on my wife 's phone is different then the one she left with my daughter. The phone number that she left on both voicemails was the same XXXX. She stated she will be contacting all employers, anyone that is close to me, all locations and this is in recovery for rewards for all assets including properties, vehicles and bank accounts. Then she stated thank you, good luck. If this is in fact a collection account of some sort, contacting people and giving/leaving my personal information is harassment. They are in violation of Fair Debt Collection Practices Act ( FDCPA ) and threatening to contact an employer and sharing information improperly, and improper communication tactics. Under federal law, a debt collector may contact other people but generally only to find out how to contact you and they are not following this law with giving out my personal information. Fair Debt Collection Practices Act ( FDCPA ) 807. False or misleading representations ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; Contact me on my phone with a phone number that I have had for over 10 years and let me know what it is for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85340
Submitted Via: Web
Date Sent: 2021-01-22
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: Received bad information about your loan
Consumer Complaint: I was due for my annual IBR renewal with Navient, and mailed them my application forms ( IBR, W2, statements from other loan providers, taxes, my wife 's taxes, pay stub, etc ... ). I called them on XXXX to ask if they had received it and was told they did and were in the process of doing my certification for XXXX. I was then told that the government had issued a plan to let you keep your previous year 's IBR active and then renew at the end of XXXX instead. I was told that this covered my DOE and Federal loans. On XXXX, I received an email from Navient saying my loans were about to increase unless I renewed. When I called and spoke to a representative, I was told that the information from my previous call did not apply to my Federal loans. I was also told that they had misplaced all of my IBR document aside from the first page. Because of this they told me that it did not show I checked that : a ) I'm married b ) I have access to my wife 's taxes c ) that we file separately. Because of this they combined both of our salaries making me ineligible for IBR. I strongly told the representative that I want to speak with his supervisor because I feel I was intentionally mislead about this. All the while I have been consistently making payments and doing all of my IBR renewals since XXXX ( have not missed 1 month or 1 year ).
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I reached out to Navient Corp, student loan servicer, to inquire about the current balance of {$17000.00} shown on my {$30000.00} private student loan, thereafter 124 monthly payment of {$350.00} were made, insofar, totaling, a repayment of {$43000.00}. This sum is in the neighborhood of the final amount they are supposed to collect over the life of a {$30000.00} loan with a repayment duration of 10 years, at 5.75 % interest rate. Not only do I question the amount to be much higher than normal, but also to stipulate whether the loan, at this point, should be paid off. Instead, if adding to remaining balance of {$17000.00}, the amount of {$13000.00} already paid, in excess, over the disbursed amount, of {$30000.00}, Navient plans to collect at least the sum of {$30000.00}, in finance charge! This is both ridiculous and absurd to charge an interest rate of 13.50 %!!, which, though variable, caps at 8 % : Here is the response I received from Navient ( I have attached the letter with my complaint ) : -- -- -- -- -- -- -- " It is important to understand that interest accrues beginning at disbursement until the loan is paid in full. Your Private Signature Student Loan was disbursed for {$30000.00} on XX/XX/XXXX. The Disclosure Statement sent to you at the time the loan was disbursed provided an estimated finance charge of {$40000.00}. In addition to the disbursed amount, this would total approximately {$70000.00} over the life of the loan. The finance charge provided on the Disclosure Statement is an estimate and can vary based on the actual interest rate charged on your loan, as the interest rate for your loan is variable. This amount may also change due to the use of deferment, forbearance, or making late or reduced payments. '' -- -- -- -- -- -- - I have NEVER agreed to a finance charge of {$40000.00}, in addition to repaying a {$30000.00} student loan!! Irrespectively, in the event I did sign for such loan, this finance charge would be strictly above the chart of allowable fees, and void, by law. Moreover, the exorbitant charge shall be interpreted as evidence of financial tort and business malpractice, on their part, instead of used to prove I agreed to repay such an abusive fee. I was financially misled by Navient, who is wrongfully overcharging an interest of 13.50 %, instead of keeping the rate within the required 4.75 to 8 % bracket. If the current repayment plan were to be maintained, when {$70000.00} is finally collected, subtracting {$44000.00}, it would result in an illicit extra surcharge of {$26000.00} ( approximated ). It is important to highlight that although the loan forgiveness program was created in XXXX to discharge public workers of their student loan obligations in exchange for their community service, forgiving Navient, for its disservice, is out of question, today.
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Getting a loan
Subissue: Denied loan
Consumer Complaint: XXXX XXXX Loan Agent | Fax : XXXX Office : XXXX Fax : XXXX Hi XXXX - Due to the credit score being below 600 - we're not able to get you approved. The message above is what I received from a lender after seeking to refinance my home. I am the mother of a daughter who has a Student Loan with Navient. I co-signed the original loan over 20 yrs ago. The original loan was not with them, they apparently purchased it. She is and has been in school full time since last XXXX ( XXXX ), they were suppose to have given her a deferment, but has not, yet instead, kept the loan payments going and due. And that reflects on me. We found out recently and inquired, with no response so far.
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: 1. I am not being responded to, by Navient XXXX. Attached. 2. In XXXX I had an account that was reported 90 days late 3. I reported this to Navient in XXXX and thought it was removed, over the phone 4. In XXXX I thought this was removed due to misleading information at the time being sent to me and being told to me by Navient representatives. 5. It wasn't until XXXX, I saw the 90 day late items reappeared on my account and effected my credit report, I assumed reinsertion. 6. I have been contacting Navient from XXXX to XXXX to have the 90 day late removed, due to negative handling of my account and I have constantly been giving the run around 7. Navient has NOT investigated any of my claims, because I continue to request proof but none has been sent to me form Navient. Even after I have sent my proof to them.
Company Response:
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have requested the Navient which is my Student loan company on XX/XX/2020 for the Deferment application and all of the payments, the Balance of Statements, and the term of my students loan from the beginning of the loan. I have requested the Navient sending all of the documents to my mailings address, but they are not sending any information to my mailings address. I had called them requested for the Deferment application sending it to my Mails address, but the loan processor sent me the wrong application to my Email, and they are keeping asking me, Email harassing me every week that I have to return my electronic E-Signature back to them. I am not sending back my E-Signature to them for the difference application, because I am still waiting for them sending the documents to my Mail. They are also changed my loans term interest rate and charged for the applications fees, raised up the monthlys payments amount. They are lied, cheated and deceptive without my requested and my approval for any change of my loans term in the past. They are not doing as the same what they are saying and as stated in their letters.
Company Response:
State: CA
Zip: 92602
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
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 noticed my Mortgage score recently dropped dramatically ( Im under contract for a home ). The reason was " XXXX XXXX XXXX ''. I have no open consumer finance accounts. I called XXXX and spoke with XXXX he stated that he sees NO signifigant change on my credit report from XXXX and prior till XXXX and now. He did not understand why the score drop ; but he did state that its possible that its a system error. XXXX compared all of the accounts ; and does not understand it. He did state that I have 3 Navient accounts that are closed, in good status but showing that they have been transferred to different lenders. I spoke with Navient and they said the accounts were closed and transferred back to Navient due to my old chapter XXXX. Essentially ; I have 6 Navient accounts on my credit report ; when I really should have 3. Three of them ( closed ones ) should be deleted.
Company Response:
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have a student loan with XXXX and it should have been forgiven due to a lawsuit against the school and I am still being charged. I need that amount forgiven ans my credit report to reflect such. They keep adding ontersr ro the loan and it should be paid off. I had been paying on this loan for years now.
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Navient send me a copy of a contract that I consolidated student loans under the XXXX XXXX XXXX Consolidation program.
Company Response:
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A