Date Received: 2021-01-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already told this company numerous times that I withdrew from the college classes within the 30 day period, the school refunded the loan to the lender, but they are threatening to garnish my wages. I did not complete the classes, I withdrew from them within 30 days, I do not owe any student loan debt.
Company Response:
State: FL
Zip: 34653
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Im dealing with navient .. i took out a XXXX fed student loan in XXXX XXXX XXXX loan was owed .. the very first payment made was XXXX .. ive been making monthly payments ever since. For the last 16 years .. navient is claiming that i STILL owe XXXX .. they are stating my interest is 5 %. When in fact it is about 50 % .. they take 5 % from the total balance and apply it to every payment made .. i make payments of XXXX and XXXX goes to interest .. that is not 5 % .. ive added up all my payments and they total XXXX .. navient sent me a break down of all the payments. Are they are far less then what i actually paid .. thier amounts are off .. i went to school was on i was XXXX years old. It was a ONE year school .. i am now XXXX years old and i am STILL paying for this student loan!! The way they have it set up. Unless i can pay XXXX IN FULL. ( which i can not ) i will be paying this off for the rest of my life!! Its going to be like XXXX by the time its all said and done. That is beyond criminal!!! Please help. This is a huge stress on me and my family and my credit for that matter!!
Company Response:
State: NY
Zip: 14225
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have submitted several certified disputed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with Navient requesting validation of lawful right to collect on this alleged debt .... Thus far, the collection company has forward a bill statement and an attempt to collect a debt letter.
Company Response:
State: TX
Zip: 75019
Submitted Via: Web
Date Sent: 2021-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have received 4 calls and 3 voicemails from XXXX, the first was on XXXX XXXX, XX/XX/2021, after upon listening to the voicemail, I blocked the number and deleted the voicemail. I received calls from same number on XX/XX/2021, XX/XX/2021, XX/XX/2021. I got 2 more voicemails, which are all the same and sound a little like a recording, maybe? The caller, a male, talks in a muffled voice, he says : " This is an important message from Pioneer Credit Recovery Incorporated. This is XXXX XXXX. The law requires I notify you. I'm calling from a debt collection company. This is also an attempt to collect a debt. Any information obtained will be used for that purpose. I'm calling today on behalf of XXXX. Please call me back when you get this message to XXXX and when calling use reference number XXXX. '' The Caller ID comes up with PCR INC. from XXXX, NY. I have not responded to any of the calls, but I'm getting really annoyed with them. I know I have no debts and I know this is a fake or scam call. I always ignore scam calls and block them. I have never received voicemails like this before.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53140
Submitted Via: Web
Date Sent: 2021-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company - NAVIENT ( phone XXXX ) - called me about 5 or 6 Months ago. They said I owed money to a service company in XXXX, Tx. ( I forgot the companies name, I believe it concerned some financial service. I immediately called the service to be sure I did not owe them anything. I don ' t believe I had ever done business with them, they agreed that I did not owe them. Navient has continued to call 2 or three times a day, and usually around XXXX XXXX ( central ). I have not answered for several months, I simply hang up. I would like to stop them from calling, am I at the right place? Thank you for a response.
Company Response:
State: TX
Zip: 77627
Submitted Via: Web
Date Sent: 2021-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Complaint sent to ombudsman for Navient. Re : Navient Student Loan Servicer. Please let this serve as a formal complaint of Navient due to the following circumstances. I initially applied for and received a student loan in XXXX to attend school from XXXX to XXXX. I graduated in XX/XX/XXXX. Payments were initiated sometime in XXXX. Of major concern, the loan amount being reported by Navient could not possibly be correct. This is based on known payments made and records that I have. Payments were made up until I filed Chapter XXXX Bankruptcy due to financial hardship in XX/XX/XXXX. I have since then completed my payment plan in XX/XX/XXXX. From communication with Navient in XX/XX/XXXX, I was given a balance of approximately {$74000.00}. It was acknowledged that they had received approximately {$17000.00} from Chapter XXXX trustee. However, I was told it had gone to interest payments. I inquired about payments made to loan prior to filing bankruptcy. I was told that, the loan had been consolidated in XXXX and the balance was {$65000.00} and that Interest of {$8500.00} was added bringing the balance to approximately {$74000.00}. I inquired about payments made prior to consolidating loan. I was informed no records were available because it was someone else handling the loan at that time. From communication with XXXX at Navient on XX/XX/XXXX, it was acknowledged that {$20.00}, XXXX had been receive from the Chapter XXXX trustee. However, balance was still listed as approx. {$74000.00}. The additional {$3000.00} had not been credited to decrease balance. After addressing my concerns, I received a response from XXXX XXXX at Navient. Transaction record was sent and a formula attempting to explain the extraordinarily high interest rate. However, none of these numbers listed a balance of {$74000.00} or gave any justification of this balance. Before deciding on additional actions, I must demand the following from Navient : 1. Record of all payments received. 2. Full disclosure of total amount of interest charged. Other information may be requested based on information received. PS : I have a statement from XX/XX/XXXX, showing a balance of approximately {$43000.00}. Several payments have been made over the last 10 years. From information received from Navient, there was a balance of approximately {$25000.00}, in XXXX prior to loan consolidation.
Company Response:
State: GA
Zip: 30075
Submitted Via: Web
Date Sent: 2021-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: When I attended XXXX University, their staff encouraged me to get a co-signer on my student loans. They told me that I just had to make consistent payments for 1-2 years, and prove I could make the payments with employment, and I could get my co-signer removed from my loans. In talking with Sallie Mae customer service years back, I was informed of the same information. Over the last couple of years, I've made multiple attempts to get my co-signer removed from 4 of my loans, yet I consistently get denied. I've made at minimum 2 consecutive years of paying over and above the principal and interest on all 5 of my loans as well as I always pay in advance. In reviewing my account online, all 5 of my loan accounts are up to date, and have been consistently up to date since XXXX. This month I applied yet again, I submitted proof of income by sending my XXXX income tax return. I've been employed with my current employer for over 4 years. My income was over XXXX for XXXX. I've submitted proof of my degrees to Navient multiple times. Yet they again denied me. Please know that in XX/XX/XXXX when I began making payments my total balance was {$140000.00}. Today my balance is {$99000.00}. This is a reduction of {$44000.00}. I am someone who takes this seriously and my payment history with Navient proves it. In addition, I have paid {$19000.00} in interest in XXXX alone.
Company Response:
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX, XXXX and XXXX are purposefully, willingly and knowingly lowering peoples scores and reporting inaccurate information on reports. I get my score of XXXX and then go to the bank the next day and it is 200 points lower for no reason other than they are purposefully lowering peoples scores. I will never finance anything ever again.
Company Response:
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: Itt lost law suite over private loans, i have private loans with navent from Itt but there still ruining my life. They wont remove the loans from credit. The admitted they did me wrong, how long do people suffer before things get fixed.
Company Response:
State: VA
Zip: 23238
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: In XXXX of XXXX, I attempted to work with Navient regarding my outstanding private student loan debt with them. My first phone conversation occurred on approximately XX/XX/XXXX. At this time, I was advised to take ALL my student loans out of deferment so they can work with me on lowering my payment to a reasonable amount. I had to wait approximately 2 weeks for paperwork to go through before calling back. I called back on approximately XX/XX/XXXX. I was on a break between meetings trying to get this taken care of. The lady put me on hold multiple times after telling me the minimum they can do was interest only and it was {$1200.00} a month. I explained to her I can not afford this as this is almost one whole paycheck out of two I bring home a month. I was put on hold again. After 15 minutes of being on hold, I had to hang up to deal with a meeting at my job. After my meetings, I attempted to call back again and I explained the situation to the new representative and was immediately hung up on. I am working with an outside company to deal with this debt. After multiple times of them calling me references, I called back and asked to have them stop calling my work ( as this is my right to do so ) and my references. I originally sent a message and spoke with XXXX XXXX on XX/XX/XXXX ( I believe this is when I sent in the request through there system ). I received a response to XXXX and tried calling her. XXXX XXXX ( a floor manager ), completely refused to let me speak to XXXX and even went as far as to claim there was no one in their company by that name. I told XXXX I did not want to speak with her as I wanted to update my preferences for communication. She told me at this time, I have no rights to tell them to stop calling my work and my references and proceeded to even call me " honey '', " irresponsible '', and went as far as implying I am a bad person because I can not afford their payment a month. She threatened wage garnishment, a negative impact on my credit report, and liens against various personal property at this time. I told her I understood the consequences and did not want to speak to her about my personal situation as my husband had to leave his job to take care of his parents during Covid. When I told her this, her attitude changed to a helping attitude but would not give me further information on it. I explained to her she is not listening to how they can help me because I needed a reasonable payment and did try to get this taken care of in a timely manner. She told me I was dictating the phone call and being very irresponsible with this. At this time, I did not want further information because of they way I was essentially being talked down to and treated. I explained to her, I am working with someone on these student loans. She claimed it was her business because of the debt I owed. I explained to her, it is none of her business what I am doing because the company is helping me and not them and she does not need to know who this is. After this, I consulted the gentlemen I am working with and I sent a certified letter to Navient on XX/XX/XXXX with tracking number XXXX XXXX XXXX XXXX XXXX XXXX stating that I only want to be contacted via writing. According to the USPS website, this was delivered to them on XX/XX/XXXX. At this time, they quit calling my references and quit calling my employment but continued to call my phone. On XX/XX/XXXX, I have received another message on my voicemail for work. My mother ( who is a cosigner on 3 loans ) received a call at her work yesterday ( XX/XX/XXXX ). They have recently called my husbands phone as of XX/XX/XXXX and called my mother in laws phone this past week ( this date is undetermined but recent from her recollection ). I am attaching the letter that was sent, the receipt for the certified letter, the USPS screen shot showing it was delivered, the email that I received from Navient that there is no real concern but they want to " research '' this issue, and voice message email I received from Navient on XX/XX/XXXX which is after this date. I refuse to call and deal with this based on how I was treated by XXXX the last time. Even as I wrote this on XX/XX/XXXX at XXXX XXXX, they are still choosing to make the phone calls without the research done. What I am even more baffled by is my mother in law was never a reference on my original loan applications so I am not sure why she is being called.
Company Response:
State: NM
Zip: 87401
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A