Date Received: 2020-12-10
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: The service provider is still contacting and harassing me about student loans. Under COVID-19, payments are supposed to be postponed, yet I'm still receiving emails and phone calls
Company Response:
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Navient has begun a harassment campaign against me by making many calls per day to my phone number from different states and at all times of day. This has resulted in a confusion between these Navient spam calls and important calls that I get during the day. I have missed an important call from a personal contact because the call was filtered out as spam along with the unreasonable amount of spam Navient calls. Navient 's phone call harassment campain against me can not continue because it might lead to me missing an urgent call for help from a family member or friend and the results could be disastrous. I demand that Navient immediately cease spam calling my phone number because this presents a tangible danger to my family and other contacts.
Company Response:
State: CO
Zip: 80915
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been paying my private student through Navient loan back. It was put on collections to XXXX XXXX XXXX, which I have been paying for 2 years to date. 1st payment was onXX/XX/18 to current. I have payment history showing this. I am trying to buy a house and found a " charge off '' by Navient. I confirmed this by calling all 3 credit bureaus and the collection XXXX XXXX XXXX. I was told that Navient is the one whom have placed this charge off even though the account is still getting paid. I have the payment directly taken out of my checking account every 2 weeks. After talking to Navient and explaining to them when I am trying to do I was just, " No, there nothing we can do unless you have the remaining balance to pay it off ''. I have ran through every option I can possibly try and keep getting no help. I am hoping you can help as you are my last resort and my last option. This charge off is the only thing from keeping me from buying my house. I hope you can help. Thank you for your time. Brgrds XXXX XXXX
Company Response:
State: IL
Zip: 60090
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Was a student at XXXX XXXX in 2008 still have a private loan for XXXX went to school for two weeks it was never removed. School has been dissolved however my loan has not.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I was a student at the Univesity of XXXX during the timeline listed in the following complaint. FTC XXXX NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX XXXX COURT : District of Arizona RELATED CASE : University of XXXX , XXXX & XXXX XXXX XXXX , XXXX XXXX https : XXXX Why are they still able to offer Scholarships to new students when this matter has not been settled with former students. With the current conditions with people struggling to make their student loan payments, the university should be required to make restitution to former students and make new students aware of their misleading marketing/information provided. XXXX There are multiple lenders that were needed to make payments to the school and a lot of the expense was paid out of pocket. ** * Please let me know what options are available to protect students and have this matter resolved. Thank you,
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I've requested the company provide with me all copies of signed loan documents regarding this loan as I don't remember taking this loan out and might have been a victim of identity theft with this loan. The company continues to harass me and charge me a monthly loan payment for this loan. The company continues to report this loan to the credit bureau dispute my request for validation of debt.
Company Response:
State: NJ
Zip: 08610
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I've filed multiple complaints against Navient to stop attempts at collecting my default private student loan until the new year begins. I'm still being contacted via email to call Navient to discuss repayment options ( the first email was received today at XXXX XXXX on XX/XX/2020, from XXXX XXXX XXXX, who is a Team Lead- Post Default agent with Navient 's Recovery Department ). This is a direct violation of their agreement to not pursue debt collection until after the new year because of being impacted the Covid-19 pandemic. But for some reason they feel a need to break this previous agreement and pursue repayment options. Somehow I'm not surprised though : they seem incapable of keeping any agreement they make with their borrowers.
Company Response:
State: OH
Zip: 44236
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have currently been trying to handle an issue with Navient since the end of XXXX and a late payment that was shown regarding the account in XX/XX/XXXX. I have spoke directly with the company numerous times over the passed 2 years file a dispute originally back in XXXX once the first late payment showed. Wrote a letter explaining the conversation with the agent that stating the accounts were currently out of forbearance unbeknownst to my knowledge, I was told there shouldn't be any worry account were only showing a numbers of days passed due and that it wouldn't effect the bureau or late payment status until after 90 days. Unfortunately the way they had the accounts set up between FEDERAL XX/XX/XXXX and DEPT OF EDU loan the representative had mistakenly input the correct forbearance updates and instead place one of the loans within the incorrect month which then had a negative effect of the bureaus and did show late payment reporting. Once notified of the late payment I spoke with supervisors about the account and they informed me to file a dispute and write a letter which was completed and sent in. I was told the accounts would be place on hold until further notice of the investigations and they could extend the forbearance timeframe for me until it was resolved. I had stated that once we could get this figured out I would gladly close out account and move on. I never received updates to the accounts of their investigation from NAVIENT but did show the account had been updated to current but late payment was never removed. I had made numerous attempts to speak with agents about the payment history and of course every phone called took hours upon end and was told a supervisor would be in touch, which seemed to dragged out with no results. This resulted in the account being place in forbearances again and further investigation without results. It is now XXXX of XXXX and during the time frame and misinformation from numerous call centers reps this resulted in another late payment because they had stated I had ran out of forbearance time. I demanded a supervisor call me directly and needed to speak to someone directly about the investigation. A supervisor had called me and stated that upon phone conversation logs pulled they saw the discrepancy as to what happened with the originally late payment and had requested it be removed which they had requested, but now that there was a new late payment that was considered the XX/XX/XXXX instead of the Dept of Education that they couldn't remove this late payment even though I have called for months and explained what was going on stating that I could and would make the payments I just needed the accounts corrected so everything could report accurately. Supervisor stated that phone calls had been made numerous times a day from their automative system about being past due but I explained that I had spoke with agents about these calls and explained I was told the accounts where supposed to be place on hold while the results of the investigation took place. He stated that even though a mistake was made on there end that I should still keep up with the payment that showed passed due. As of XX/XX/XXXX its a blessing and curse at the same time, I finally got in touch was someone willing to take the time and look into everything that should have been done from the beginning. They acknowledge the mistake but said the second late payment was due to my negligence. I expressed that this all originally stems from the mistake back from XXXX and I have made numerous attempts to try and get this handle so we can close out the accounts and move forward with accurate bureaus. I was told by the supervisor that if I didn't agree with the results I could file a dispute but likely would have the same results as to what I was being told on the phone. I currently was over a XXXX credit score that doesn't miss payments and now because mistake it could impact me for the next 7- 10 years. The company has stated there was a mistake they acknowledged the attempts to get the situation handled but wont fully correct appropriately the bureaus that way I can make the payments needed to close out the accounts. please see my description as to why I'm filing this dispute. I was told this is my next option or looking into hiring a lawyer to take the next step, appreciate your time and just hoping this helps correct the accountability of the NAVIENT COMPANY.
Company Response:
State: KY
Zip: 40216
Submitted Via: Web
Date Sent: 2020-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-07
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: As part of the CARES act interest on Federal Student Loans was to be waived due to Covid 19. I am still being charged interest. Navient states that my loans don't qualify because they were not funded by the US government even though they are federally subsidized student loans with interest rates set by congress. I don't care who lent the money, they are federal student loans that are guaranteed by the US government so I should not be charged interest on the loans during the period that the CARES act covers. Navient is charging interest on these loans in violation of the act.
Company Response:
State: CA
Zip: 93036
Submitted Via: Web
Date Sent: 2020-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries are unauthrozied and need to be removed from my credit report imediatly.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2020-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A