Date Received: 2020-12-15
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Navient continues to call anyone and everyone who might be related to me several times a day in regards to my loan. This is harassment and obnoxious. Since summer 2020- currently, Navient has called my spouse and I several ( 4+ ) times a day and called other people unrelated to this loan and left obnoxious and threatening messages.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I had to file bankruptcy and they didnt discharge my student loans which were the problem in the first place!!!
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I XXXX XXXX entered a consumer credit transaction with SALLIE MAE. I never gave this company permission to send me a bill or state that I owe any amount. At some point SALLIE MAE gave my information to NAVIENT/ DEPARTMENT OF EDUCATION which was a violation of my right to privacy as a consumer. Pursuant to 15 USC 1692b ( 2 ) a debt collector can not state that a consumer owes any debt but, now I have been receiving bills monthly stating that I owe on these alleged debts. I know that no loan was actually given because no bank can legally loan any money and they can not originate credit, just extend our own credit back to us. In all the bills sent to me and supposedly contracts their are several TRUTH IN LENDING violations, as well as FDCPA violation which have been marked on the attached exhibits.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I have been a victim of predatory lending practices. As a poor XXXX woman that believed she needed to get a college degree I left myself vulnerable to a situation that has now made it impossible for me to have a decent quality of life. I was not informed that my loans were being purchased by Navient and have been forced into forbearance time and time again with astronomical compounded interest rates for years when asking for income driven payments. I was also told that I have to pay fees despite the administrative forbearance period ( XX/XX/2020, through XX/XX/2020 ). Again, they say that my loans and have been shifted and sold and I am clueless about when and how this happened. I was never informed about PSLF and always always steered to forbearance. I am struggling and can never get a home loan under these circumstances.
Company Response:
State: WA
Zip: 98122
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-13
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: XXXX XXXX Complaint Employment Prospects I was told by XXXX XXXX employees that if I attended and stayed the course at school, I could get a XXXX job starting at {$55000.00} salary right out of school. I found this was not the case as I couldnt get any job interviews and found the information they told me about employment prospects misleading. The above described activities constitute violations under the applicable state consumer protection laws and constitute common-law claims for breach of contract and negligent misrepresentation. In addition to causing enrollment, these actions also induced reliance to remain at the school. Program Cost and Nature of Loan I was told by the school that it would be funded through the VA using my GI Bill and I wouldnt have debt. I would talk with the student counsellors and they would confirm this. I used 100 % of my GI Bill and still there were federal and private loans taken out in my name. I was misled as to cost of everything and how it was being financed. The above described activities constitute violations under the applicable state consumer protection laws and constitute common-law claims for breach of contract and negligent misrepresentation. In addition to causing enrollment, these actions also induced reliance to remain at the school. Career Services XXXX XXXX said they had contacts with XXXX firms and would help me get a job, but I never received any phone calls or interviews from any of these alleged firms. I had meetings with counselors who told me I needed to stay the course at XXXX XXXX to be highly sought after in the job market, but that was not the case. I ended up having to get a job in installation through no help of XXXX which was not in my field of study. The above described activities constitute violations under the applicable state consumer protection laws and constitute common-law claims for breach of contract and negligent misrepresentation. In addition to causing enrollment, these actions also induced reliance to remain at the school. XXXX XXXX The professors were mostly graduates of XXXX XXXX themselves and the classes were not that challenging. I was told I would receive a good education in IT, but this was not my experience. The above described activities constitute violations under the applicable state consumer protection laws and constitute common-law claims for breach of contract and negligent misrepresentation. In addition to causing enrollment, these actions also induced reliance to remain at the school. Admissions and Urgency to Enroll XXXX XXXX called me constantly telling me to sign up and pressuring me to enroll immediately. They would tell me about all these programs and how great the starting salary was for graduates and that I had to sign up as soon as possible. The above described activities constitute violations under the applicable state consumer protection laws and constitute common-law claims for breach of contract and negligent misrepresentation. Other XXXX XXXX closed all of its campuses in 2016 and declared bankruptcy. There is an ongoing bankruptcy case in which the XXXX XXXX XXXX XXXX on Predatory Student Lending is representing a class of former XXXX students. Recently there was a settlement in the bankruptcy case where XXXX canceled over {$500.00} XXXX in debt that it held and the student class received a {$1.00} XXXX claim in the bankruptcy. Additionally, there have been numerous lawsuits and investigations into XXXX XXXX by both federal and state agencies over the years. Additionally, XXXX XXXX was found responsible of using aggressive recruiting tactics and not meeting educational standards. I was also found that 90 percent of low-income students recruited at one campus could not perform basic math. I now stuck with Private loans, which were falsely identified to students as grants. Now Im stuck paying Private loans. Both state attorneys and federal agencies conducted investigations also found XXXX XXXX was granting degrees without accreditation, misleading students into taking out private loans and not being forthcoming with the transferability of credits earned making degrees or credits earned meaningless.
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2020-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Navient said that they would send me a form to sign and verify that I am not co-signer on a student loan, but they never sent the form to me. I have since learned that the co-signer was in fact the students mother, but she put me in as co-maker because she said she could not co-sign due to being over extended. She filled out form using my info. Please send a form that I can sign so you can compare with the actual co-maker signature. I am XXXX years old and this has been destroying me. Thank you
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-13
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have multiple times over the years asked Navient, my student loan company, about refinancing to qualify for the public service loan forgiveness. It is difficult to understand why the requirements are in place the prevent me to qualify. I have diligently paid my student loans now for nearly 20 years. I have worked in XXXX XXXX, with the state of XXXX, for nearly that long. They should allow me to qualify, but refuse.
Company Response:
State: WA
Zip: 98501
Submitted Via: Web
Date Sent: 2020-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This involves more than one amount through navient. They have reported my accounts as delinquent on my credit report during the cares act. This has drastically dropped my credit score.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2020-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX, I called Navient seeking to apply for a XXXX XXXX XXXX XXXX as I had loans dating back to XXXX and currently working for a Governmental Agency. Navient directed me to Consolidate my loans which I did. Once I my loans was consolidated I was told by Navient I no longer qualify for XXXX and that I would have to start all over and make payments for 10 years before I qualify for XXXX.
Company Response:
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2020-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Over the last two years I have requested Promissory Notes for several loans in my name questioning if they are valid. I have contacted Navient and the US Dept of Ed and made multiple request that have gone unanswered. I need help getting this information and making sure that all these loans even belong to me.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2020-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A