Date Received: 2020-12-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX I received two emails stating that my payment schedule had changed for my income-based repayment plan, which I was under the impression would not expire until XXXX of XXXX. I logged into my inbox and found two documents explaining how my payment schedule would change and how much my monthly payment would increase although neither explained why this was happening. On XX/XX/XXXX I called Navient to verify why this was happening. The representative told me my XXXX plan expired on XX/XX/XXXX although unable to state why it had expired. The rep asked me 4-5 questions for a pre-approval in order to renew the plan and emailed me the link for the remaining information. Our call was disconnected early. I called back and the 2nd rep told me my current XXXX plan was active until XX/XX/XXXX and not too worry about the increased payment. On XX/XX/XXXX I called Navient again to verify if my XXXX plan was current or expired. The rep informed me that the extra payments I made during the past 6 months had pushed the payment schedule ahead and the system automatically expired the plan. She said she could rectify this issue and to check back in 24-48 hours to verify the changes. I was under the impression my monthly payment and schedule would reflect the same amount for my XXXX XXXX plan. On XX/XX/XXXX I called Navient to ask why the above changes were not reflected in my online account. The rep did not appear to have information to the above call. After approximately 40min on the phone he told me he could have the situation rectified and to check back in 24-48 hours to verify the changes. I asked to cancel the recertification of my plan since I wanted to remain in my current plan. He mentioned since we were so close to my XXXX due date ( the 5th of each month ) it was likely that the changes were unable to be made by this XXXX and I would be paying the increased amount. He assured me this payment would continue to be counted within my XXXX XXXX plan. As of XX/XX/XXXX I do not have a resolution to this issue. Navient does not appear to be training or supporting their customer support team in order to identify and rectify these issues. Navient 's online system appears to be set up to discriminate against extra payments made or other actions taken to pay back loans more efficiently. I have been paying my school loans through Navient for 8.5 years now and have had many conflicts. It appears as a whole they are largely unregulated and not held accountable for their actions.
Company Response:
State: AZ
Zip: 86004
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have requested that Navient formerly known Sallie Mae provide to me the promissory note for the loan that I have been paying. I have been requesting it several times and was ignored. I am requesting the original promissory note that bears my inked to paper signature that ties me to this debt. If they are not able to provide this documentation upon receipt I am requesting that this loan be discharged immediately and deleted from my credit file of all three reporting agencies. The listed account number is Account number : XXXX I went to www.studentaid.gov and looked for a MPN Master Promissory note and no forms were found.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XXXX/XXXX/2020, I wrote to you requesting an investigation into items that I believed were INNACCURATE. Under federal law, you have thirty ( 30 ) days to complete your investigation. It has been well over 45 days, almost 2 months.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navient is incorrectly reporting late payments on my account to the credit bureaus. The reported late payments which are incorrect are damaging my credit score, causing me financial harm, and preventing me from establishing stability ( housing + employment ) in my life. I am homeless. Navient was previously reporting a default on my account. I filed a complaint with CFPB. Navient corrected the issue by emailing me an income based repayment form. Prior to the late payments I was also on a $ 0 monthly income based repayment as I was homeless. I submitted the documents Navient requested. Now this is where my complaint is on going. Navient customer service rep # 1 said there is nothing they can do to help me delete the error. I spoke to 3 customer service reps. Finally one gave me information that sounded helpful. He said verbally over the phone that I had to submit the income based repayment form with documents. I had to wait a minimum of 6 months for the account to get back in good standing. Then after that time period I would have to write a letter requesting deletion of the late payments, all this with supporting documentation. I sent Navient a package of documents certified mail. No response from Navient. I called and a customer service rep said they never received my package. Navient is reporting late payments to the credit bureaus which is harming me financially and emotionally. I cant get back on my feet due to this error. My credit score is harmed which is preventing me from getting stable housing. All during a stressful period of COVID which finding housing even shelters is very difficult. Since 2009 Ive been a victim of crime twice. First time I was a victim of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Second time was own family member ( XXXX ) upon release from prison stole my social security number and banking information and committed identity theft against me. Both these incidents I am still dealing with today. My contact address for Navient is also the address on my real id which Navient also has is the department of social services. The reason my address is the social services address is because I am homeless. Ive been receiving food stamps and general assistance for years. During the reported late payments I was homeless, I was seeing XXXX, XXXX, and doctors. All due to XXXX XXXX XXXX from the attack XXXX XXXX. I dont have a college degree. I dont have support from anyone. So with my credit score being impacted by this error it is causing me severe harm. I submitted online the same documents I mailed Navient via certified mail, the same documents the Navient customer service rep said they never received. If you look at my account you will see prior to the late payments I was on a $ 0 monthly income based repayment plan. After the reported late payments I was also on a $ 0 monthly income based repayment plan. The late payments Navient is reporting is incorrect. Nothing changed only Navient is incorrectly reporting my account with late payments during a time period when Ive been homeless and receiving food stamps and general assistance. This has been an ongoing issue with Navient where I am being given the run around by customer service reps. No one is helping me. It is unfair to me to be suffering on top of everything Ive been through, to be suffering even more financially due to an error that has yet to be corrected. I am asking Navient to review my account history, documentation which includes police reports, and correct this error.
Company Response:
State: CA
Zip: 90057
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My concern is that I thought I was paying my Federal Student Loans ( FFELP ) not private Navient Loans. I was totally unaware or see how my Students are no longer Federal. The originality of the loan was Federal. It is still titled as Federal and the interest rates are regulated by federal. How is this not included in the Covid-19 relief of not having to pay interest rates during the pandemic? This is truly a problem and criminal act that Navient is doing to its consumers. It has all the characteristics of a Federal Student Loan and should be treated just like the rest. Please look into to this matter and help make a change on how Navient is servicing its Student Loans. Thank you for your time.
Company Response:
State: CA
Zip: 91355
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I AM A VICTIM OF IDENTITY FRAUD PLEASE REMOVE FROM MY CREDIT ASAP.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Before XX/XX/XXXX, I found out about the Borrower Defense for my federal student loans. I submitted the application and I'm stuck in the process to get my loans from XXXX forgiven. XXXX is a school I went to in XXXX and graduated in XXXX. A school I attended and was misled about the education, job placement, and whether or not the school was accredited. 3 loans I got were private loans because I was misled by XXXX XXXX financial aid department to sign. Well, as I had trouble finding a job after XXXX, I went back to XXXX. I graduated from XXXX and thanks to XXXX being an accredited university my job outlook was better. However, the private loans I got from XXXX did me wrong. They were calling and harassing me while I was in school. I admit, I did not know what I was signing when I was at XXXX, but some of the private loans said I " may '' get the in-school deferment. The private loans from XXXX was coming after me while I was attending XXXX. I fought and wrestled with them, and they even took me to cook which the judge couldn't make a ruling because XXXX private loan people did not show up to court. XXXX private loans were trying to force me to pay even before I graduated from XXXX. I'm sure employers saw this on my record. XXXX closed.
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX*THIS IS NOT A DUPLICATE! XXXX THIS COMPANY IS STALLING, PROCRASTINATING AND FALSELY REPORTING INFORMATION TO THE CREIDT BUREAUS! THEY HAVE NOT PROVIDED ME WITH A SIGNED DOCUMENT TO VALIDATE ANY DEBT OWED TO THEM! THEY CLOSED CFPB COMPLAINT XXXX FALSELY! THAT COMPLAINT HAD ADDTIONAL PROOF AND DOCUMENTS NEEDED TO PROVE MY POINT! THEY HAVE NOT REVIEWED THE DOCUMENTS OR UPDATED MY ACCOUNTS! I HAVE COPIED AND PASTED THE MESSAGE FROM THAT COMPLAINT HERE! THE COMPANY NEEDS TO REFER BACK TO THAT COMPLAINT AND PULL THE ORIGINAL EVIDENCE! UPDATE ALL ACCOUNTS AS PAID IN FULL, NEVER LATE BACK TO XX/XX/XXXX! THIS NEEDS TO BE UPDATED FOR XXXX, XXXX AND XXXX! I HAVE ALSO ATTACHED CONTACT INFORMATION FOR THE LAWYER THAT WILL BE ASSISTING ME IN COURT REGARDING THIS MATTER IF IT ISN'T RESOLVED WITHIN 15 CALENDER DAYS! XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Processing XXXX XXXX XXXX XXXX, NY XXXX Navient Office of the Student Advocate XXXX XXXX XXXX XXXX, PA XXXX U.S. Department of Education, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, TX XXXX To Whom It Might Concern, I am writing AGAIN to dispute the following inaccurate, incorrect account information that has been reporting negative details for the past 13 years and 2 months. The 2 specific accounts that I am referring to are located on pages 27-28 of my XXXX, XXXX, and XXXX 3-in-1 credit report that was pulled on XX/XX/XXXX. I have also attached a copy of those specific pages for your review. For some apparent reason, ALL 3 creditors are reporting different account numbers, different opening dates, different balances and neither credit bureau has ever actually verified or validated the debt being reported even after being advised that the account information that is being reported by each of them is inaccurate. PLEASE IMMEDIATELY UPDATE BOTH ACCOUNTS PER MY REQUEST AS FOLLOWS FOR ALL 3 CREDIT BUREAUS : 1. CEASE AND DESIST ANY & ALL FURTHER ATTEMPTS TO COLLECT A DEBT! 2. REMOVE ALL REPORTED HISTORY OF LATE PAYMENTS BACK TO XX/XX/XXXX! 3. DO NOT DELETE EITHER OF THE TWO 13-YEAR-OLD ACCOUNTS! 4. BOTH ACCOUNTS SHOULD REMAIN LISTED ON ALL 3 CREDIT BUREAUS! 5. BOTH ACCOUNTS SHOULD BE UPDATED AS CLOSED EFFECTIVE XX/XX/XXXX, PAID AS AGREED, NEVER LATE ON ALL 3 CREDIT BUREAUS! I have personally contacted Navient via telephone on numerous occasions requesting specific details regarding these 2 accounts once I learned that they existed and was incorrectly reporting to my credit. I specifically asked Navient the following questions : 1. WHAT WERE THE ORIGINAL LOAN DATES? 2. WHAT WERE THE ORIGINAL LOAN AMOUNTS BORROWED? 3. WHAT SCHOOL WERE THE FUNDS ISSUED TO? 4. WHY ARE THE LOANS REPORTING PAST DUE? ACCRUING LATE FEES? INTEREST? 5. WHEN DID THE LOANS GO INTO REPAYMENT STATUS? 6. WHY WASNT I NOTIFIED IN WRITING VIA U.S. MAIL AT LEAST 60 DAYS PRIOR? 7. WHAT IS THE REQUESTED PAYMENT AMOUNT? DUE DATE? 8. WHAT OPTIONS ARE AVAILABLE FOR DEFERMENT? FORBEARANCE? FORGIVENESS? 9. PLEASE MAIL ME A COPY OF THE ORIGINAL LOAN DOCUMENTS, TERMS, CONTRACT THAT INCLUDES MY SIGNATURE, PROOF OF PAYMENT ISSUED TO THE SCHOOL AND DATE ITEMS WERE CASHED! 10. REMOVE ALL PRE-EXISTING CONTACT INFORMATION FOR ME INCLUDING TELEPHONE NUMBERS, EMAILS AND ADDRESSES FOR MYSELF, FRIENDS AND FAMILY! 11. DO NOT SAVE ANY NUMBERS THAT I CALL FROM AS A METHOD OF CONTACT FOR ME! 12. DO NOT ATTEMPT TO CONTACT ME VIA ANY OTHER METHOD OTHER THAN U.S. MAIL. 13. DO NOT ATTEMPT TO CONTACT ANYONE ELSE OTHER THAN MYSELF VIA ANY LOANS THAT HAVE BEEN DISTRIBUTED UNDER MY NAME. 14. REMOVE AND CREDIT ALL LATE FEES AND INTEREST THAT HAS ACCRUED TO DATE. As of this date, XX/XX/XXXX Navient has failed to comply and honor my requests. They have NOT sent me any of the items or information that I have previously requested both over the phone or via my previous CFPB complaints. Instead, they sent me an electronically signed item that does NOT provide my actual signature accepting the loan. Please find attached, Navients response to my CFPB complaint that was filed on XX/XX/XXXX after my initial phone attempts to get these issues resolved were not successful! I have also contacted XXXX XXXX both via telephone, in person and via email requesting details regarding the loan disbursements that Navient claims were paid out to them. I requested that the school send me proof of the loan disbursement dates and proof of payment as well. The school has verified each time that I was NOT a student at XXXX in XX/XX/XXXX and that they did NOT receive any funding on my behalf during that school year. Please review BOTH letters that I have attached from 2 different departments of XXXX confirming this. Navient HAS however confirmed BOTH via telephone and attached correspondence in writing that they are NOT the original owner of these loans! That they are NOT the original issuer of these loans. Therefore, they do NOT have the right to collect a debt that they are NOT the owners of or given direct advance notice of their ownership of these items. This debt has NOT been verified or validated by NAVIENTXXXX XXXX, XXXX, OR XXXX. Therefore, I AM AGAIN DEMANDING THAT MY ABOVE REQUESTS ARE MET BY ALL PARTIES INVOLVED EFFECTIVE IMMEDIATELY! The information being reported is inaccurate. You are continuing to intentionally report false, inaccurate, incriminating information which is a violation of FCRA. Each of you have failed to comply, honor, respond, correct, and update the information within the original 30-day timeframe stated by law. In fact, you have exceeded this legal timeframe by more than 270 days. PLEASE FIND SPECIFIC REPORTING INFORMATION PER CREDIT BUREAU BELOW AND ON THE ATTACHED CREDIT REPORT PAGE 27 : PLEASE NOTE THAT XXXX HAS NOT UPDATED THE ACCOUNT SINCE XX/XX/XXXX AS THEY CONTINUE TO SHOW A PATTERN OF NOT COMPLYING AND UPDATING ON TIME, CONSISTENTLY EVERY MONTH. 1. Account # XXXX XXXX XXXX XXXX XXXX, XXXX 2. High Balance being reported for all 3 credit bureaus : {$2000.00} 3. Last Verified by XXXX on XX/XX/XXXX, XXXX -- XXXX -- 4. Date of Last Activity : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX 5. Date Reported : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 6. Date Opened : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 7. Balance Owed : XXXX {$3700.00}, XXXX {$3700.00}, XXXX {$3600.00} 8. Closed Date : XXXX -- XXXX -- XXXX XXXX- 9. Account Rating : being reported as open for all 3 credit bureaus 10. Dispute Status being reported as NOT DISPUTED by all 3 credit bureaus 11. Creditor Type : XXXX Government, XXXX Student Loans, XXXX Miscellaneous Finance 12. Account Status OPEN for all 3 credit bureaus 13. Creditor Remarks : XXXX Dispute resolved, customer disagrees, XXXX Subscriber reports dispute resolved consumer disagrees, XXXX Student loan fixed rate 14. Payment amount XXXX & XXXX {$0.00}, XXXX {$44.00} 15. Late Payment reported by XXXX XX/XX/XXXX PLEASE FIND SPECIFIC REPORTING INFORMATION PER CREDIT BUREAU LISTED BELOW AND ON THE ATTACHED CREDIT REPORT PAGE 28 : PLEASE NOTE THAT XXXX IS NOT REPORTING THIS ACCOUNT AT ALL AND CONTINUES TO DISPLAY A PATTERN OF INCONSISTENCIES AND VIOLATION OF THE FCRA BY NOT SUPPLYING THE MOST CURRENT AND ACTIVE INFORMATION AVAILABLE FOR ANY ACCOUNT. 1. Account # XXXX XXXX XXXX XXXX 2. High Balance being reported by both credit bureaus {$2000.00} 3. Last Verified by XXXX only XX/XX/XXXX 4. Opened XX/XX/XXXX XXXX, XX/XX/XXXX XXXX 5. Closed XX/XX/XXXX XXXX only 6. Account Rating : Transferred by both credit bureaus 7. Payment status XXXX current, XXXX late 90 days All reporting information is inaccurate, inconsistent, missing AND/OR outdated! UPDATE THE INFORMATION EFFECTIVE IMMEDIATELY! Thanks so much in advance!
Company Response:
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Navient keeps giving my wife the run around about providing supporting documentation for her IBR request. They rejected her request FIVE times, each time saying there was no indication of how much of my income was taxable, which is completely false. On EACH of the supporting document, in big bright red text it says how much is taxable. It's completely ridiculous.
Company Response:
State: CA
Zip: 91007
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
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: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A