Date Received: 2024-01-11
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I have been asking Navient XXXX XXXX many times including on XXXX XXXX to help me by lowering the monthly payment and they said they could not do it! Instead, they told me to cut down on our food expenses and others. I already had filed for bankruptcy twice including on XX/XX/2022 but, they still had charges go through albeit I was in the bankruptcy process. Originally, I owed $ XXXX and now its up to more than $ XXXX. This is horrible since the school I attended committed predatory loans the XXXX playbook included aggressively recruiting and pressuring me into enrolling, maxing out my student loans, and then leaving them me out to dry by investing nothing in my education and leaving me with a mountain of debt and XXXX.
Company Response:
State: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I was told at first that I could only be on a payment program for XXXX year. I asked to speak to a supervisor, and she told me its not a set term, but at the discretion of the lender. I mentioned the website doesnt give much info either. I plead with her that I had been making payments and havent been late, she said there was nothing she could do. The last person who approved my payment plan didnt mention it was coming to a final end, but that I just had to renew every XXXX months. This is very shady business practices. Now I have to choose between my home and child or my loan. She said it would go against my credit report if I didnt make full payments at the full rate. Why would they do that to someone who is regularly paying? They have been shady all along. They all but told me to go into default and then reapply.
Company Response:
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Getting a loan
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: When attending XXXXXXXX XXXX XXXX XXXX XXXX during XXXX, private loans were taken out using my information but were never disbursed to my account and I did not receive the funds. A online application was completed with no proof of my knowledge. During these years there were allegations of school misconduct with the financial aide department and misleading funds and I was a victim of such. After graduation, I was held responsible for these loans, and I have been on a constant fight in reference to getting the loans removed through Navient. Navient refuses to remove the debit even though they have no documents to support, I actually received the loan. When contacting XXXXXXXX XXXX XXXX XXXX XXXX, I am told they do not have any physical or online financial documents from those years due to a software system merger with XXXX XXXX XXXX XXXX XXXX and they are unable to provide my balance sheets or any financial aid documents. The loans are through Navient and are as such : XXXX Signature Loan XX/XX/XXXX | Originally {$40000.00} XXXX XXXXXXXX Loan XX/XX/XXXX | Originally {$9300.00} XXXX XXXX XXXX XX/XX/XXXX | Originally {$4100.00}
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Called several times about these so-called unpaid fees, back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they said these unpaid fees came from XXXX and that is a lie as I have been under forgiveness and iDR under department of education , they told me on all the calls after these appeared, that they would take care of it and waive all the fees. They have lied and lied and lied. They took forever to discharge my other loans from department of education over 9 months of trying to collect higher interest until they were discharged. Everytime I call them they tell me lies and continue to lie. I am disabled and always submitted the income driven renew on time and when they get they will take 3 months to process it or give a run around.
Company Response:
State: OH
Zip: 43113
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The account in question violates my rights as a consumer and pursuant to the Family Educational Rights Privacy Act ( FERPA ) the information from this account that appears on my consumer report was disclosed without consent to unaffiliated parties and violates the legal authority pursuant to 20 U.S.C. 1232g ; 34 CFR Part 99. Per the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Family Educational Rights Privacy Act ( FERPA ) to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Company Response:
State: FL
Zip: 32773
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Navient makes it difficult to apply for forbearance. Asked several times for the application to apply for forbearance and was told I would receive it in my email but never did. Furthermore, they call approximately XXXX times a day looking for payment when I already told them I'm looking for forbearance.
Company Response:
State: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Harassing phone calls Calling people that are not me or my co-signer Calling estranged family members about my debt Calling co-signers neighbors I have been in contact with them so there is no reason for them to behave this way
Company Response:
State: FL
Zip: 34683
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting Services.
Company Response:
State: PA
Zip: 17601
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My rights, as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 ( b ), have been blatantly disregarded, leading to significant personal and financial distress. Despite my repeated attempts to rectify these inaccuracies, including direct communication and provision of evidence to your the credit reporting agencies, the wrongful information persists. Under the FCRA, you are obligated to conduct a thorough and reasonable investigation of disputed information upon receipt of a consumers dispute. Failure to do so, as evidenced in my case, is a direct violation of 15 U.S. Code 1681i ( a ). I have never knowingly entered into any agreement or contract with Navient or XXXX, nor with any entities they claim to represent. The documentation provided by Navient in response to my request for proof of debt was grossly inaccurate, containing personal information and a name not attributable to me. This is a clear violation of 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Moreover, XXXX has completely neglected to respond to my requests for validation, further exacerbating the issue. This non-compliance is an infringement of my rights under the FCRA and demonstrates a lack of due diligence required by law. The ongoing misreporting of my credit history has led to significant financial loss, reputational damage, and emotional distress. This situation is further compounded by the fact that I have been a victim of identity theft, a circumstance that has been aggravated by the widely reported XXXX data breach. Despite providing substantial evidence to support my claims of identity theft, as required under 15 U.S. Code 1681c-2, my documentation has been repeatedly overlooked for 2+ years now. I have compiled multiple certified green receipts between these companies showing proof that I have repeatedly mailed via USPS documentation proving these accounts to be inaccurate, incomplete and not mine yet Navient and XXXX continue to willfully report this false information on my CONSUMER file. To date, the resolution of disputes I filed, most recently on XX/XX/, has been grossly mishandled. Notices from XXXX, for instance, declare the account in question as certified by Navient and XXXX without providing requisite proof. This approach not only contravenes the FCRA stipulations for accuracy and verification but also my rights under the Consumer Credit Protection Act ( CCPA ), which emphasizes fair and respectful treatment of consumers in the credit marketplace. The negligence exhibited by your organizations in handling my credit information is a clear violation of the FCRA, particularly sections pertaining to the accuracy and integrity of credit reporting ( 15 U.S. Code 1681e and 1681i ). This negligence has cost me time, money, and a significant detriment to my financial reputation and enjoyment of life. Consequently, I demand the immediate and complete removal of all false information from my consumer file pertaining to the alleged accounts. Should this issue not be resolved promptly and satisfactorily, I am prepared to escalate this matter by filing formal complaints with the Federal Trade Commission ( FTC ), the U.S. Securities and Exchange Commission ( SEC ), the XXXX XXXX XXXX, the federal Bureau of Investigation, ( FBI ) and pursue legal action in the appropriate civil courts. I expect a written response confirming the rectification of these inaccuracies and a detailed report of your investigation findings, sent to me via the United States Postal Service, as a matter of urgency and legal compliance. Once again, I do not, nor have I ever had a loan or a contract with Navient or XXXX and am requesting a copy of the original contract in question, signature and ID used to verify the identity of the individual Navient and XXXX claim owe them. I demand a copy of the alleged contract with my signature on it the displays my information, signature and ID and if no such contract can be produced, I demand that these fraudulent accounts be removed from my CONSUMER file immediately.
Company Response:
State: AZ
Zip: 85041
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Navient is a student loan servicer and reported an inaccurate report to all the credit bureaus of late payment. I submitted a forbearance request, and they submitted a false report indicating they contacted me via mail. The mailing address was inaccurate therefore no notice was communicated timely. I requested the servicer to remove report, because they failed to contact me of any questions about a payment but they declined with the same inaccurate address on their records. This is disturbing and needs to be addressed as a legitimate agency.
Company Response:
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A