Date Received: 2020-11-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Good afternoon, My name is XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX,2020 XXXXXXXX XXXX,2020 XXXX XXXX2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have contacted my loan servicer and Federal Student Aid to try to clarify items on student loan account, It seems that some of the loan cancellation were not applied during consolidation. Each are saying I need to speak to the other. I started emailing in end of XXXX XXXX and last communication was XXXX/XXXX/20. Looking over the documents there is a {$15000.00} difference some of it is interest but that seems quite high. My original loan total was around {$35000.00} but consolidated was over {$50000.00}.
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I was charged {$36.00} XXXX dollars for two years of education though the annual dicots is {$11.00} XXXX. In addition I have paid {$31000.00} but they are still demanding {$26000.00} more. I spoke with the customer service team to no avail. They too are confused how this could happen but suspect it is due to multiple forebearances. However at the end of the day it would make the loan 100 % interest which would be impossible to pay off. When the call center could not explain what the issue is, my request to have them revise my bill ended with an itemized list of payments and charges ( about 25 pages ) but still ended with me owing {$26000.00}.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Navient continues to harass me on a daily basis by email, phone and mail. This has gone on without interruption for THREE YEARS. 1. They send threatening letters to my home address on a weekly/daily basis. 2. They call my phone number and leave threatening voice mail messages several times a day from different phone numbers. 3. They send threatening email messages to me on a weekly/daily basis. This must stop. I have had {$0.00} income for over one year and there is no possibility that I can make any payments at all to Navient.
Company Response:
State: CO
Zip: 80915
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. US DEPT OF ED ACCOUNT # XXXX US DEPT OF ED/XXXX ACCOUNT # XXXX This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. XXXX XXXX
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have loans from 3 different colleges I graduated from while working in XXXX XXXX for the last 15 years and have applied for low payments and loans forgiveness working in XXXX XXXX XXXX. Each time Ive applied and sent in paperwork they claim nothing is on record and my loans have more than doubled due to interest. There was a time our XXXX reduced my pay by XXXX one year and then I was laid off for 3 years as an administrator and all I could find was substitute work. Navient still did not reduce my payments, forgive any of my loans and impacted my score.
Company Response:
State: MD
Zip: 20783
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was contacted by Navient back in XX/XX/2020. Navient told me my loan was fixing to be due. They told me I had to consolidate my loans in order to get Public Loan Forgiveness. So, I filled out the paperwork for the consolidation and the Public Loan Forgiveness, ( PLF ) documents. I sent the PLF forms in to the Department of Education and it was approved. I also filed the consolidation paperwork online as I was told to do so. I then found out yesterday that my PLF working dates ( which are numerous years of XX/XX/XXXX ) would start over because I consolidated my loans. I called Navient and explained my situation. I told them I wanted to stop the consolidation so that I could get the loan forgiveness. Navient 's representative told me again I had to consolidate in order to get PLF, which was not true in my particular situation. He then told me I could not get the consolidation reversed because it had been over ten days. I called the Department of Education back and they said that Navient could reverse the consolidation loan. I called Navient back and they said they would put a note on my account but it probably will not work because of their ten day acceptance policy. Please help me figure out how to get this resolved.
Company Response:
State: OK
Zip: 73064
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: DEPT ED/NAVI {$1600.00} DEPT ED/NAVI {$2200.00} DEPT ED/NAVI {$7000.00} DEPT ED/NAVI {$3900.00} DEPT ED/NAVI {$4600.00} DEPT ED/NAVI {$2600.00} XXXX {$1300.00} Fraudulent student loans were acquired in my name. Im a first time home buyer. I just found this out last month on my credit Report. These have. Even hurting my score for some years now. In which I had no knowledge. XXXX is also a Fraudulent account that was acquired in my name. Now knowledge of this XXXX XXXX Account.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have received repeated, frequent phone calls from Navient over someone else 's debt. I have submitted complaints with the CFPB in the past, as well as with the FCC. I have also spoken with Navient directly and they assured me I would be on their do not call list, yet the calls continue. They have called both my personal cell phone and my workplace. Again, this is over debt that is not my own. Today, Navient called me twice. It is not acceptable to be harassed by a debt collector over someone else 's debt.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX To Whom It May Concern : I would like to file this complaint against Sallie Mae Bank, Navient Corporation, Navient Solutions LLC, Navient Credit Finance Corporation. The complaint that Im filing is about student fraud. I have attended XXXX XXXX XXXX for five years, starting in XXXX. When I received my XXXX XXXX in XXXX with hopes to pursue my career, I had no success or any chances to get there based on XXXX losing the accreditation. I have applied many different XXXX XXXX positions, that clearly said that I had to have XXXX accreditation. Since my degree is not XXXX accredited, no one will even look at my applications, not because my name did not fit the profile but because the recruiters already knew that my degree is not accredited appropriately and they did not want to hire people with XXXX degrees. After XXXX filed for bankruptcy that was the end for my hopes and dreams. As the word spread on how bad XXXX school is, my XXXX XXXX is not of use. The whole United States new that XXXX was a fraud at that time. On XX/XX/XXXX I have filled a complaint with Borrower Defense application to Navient asking them to completely remove my loan due to fraud. I have paid {$90000.00} for my degree, spent five years of my life and have gotten absolutely nothing for it. Degree is fake, nobody wants it, so why do I need to pay for something that I received but can not use? I always believed that if you pay for something, it should equal to the same amount in value of goods, otherwise it is fraud. For the past week, I have tried to find a lawyer that can help me sue Navient to remove my loan completely like it never happened but they unfortunately will not accept my case since it is federally regulated. Since I filed my Borrowers Defense application, my loan has been put on hold. It has been three years and they still tell me to wait. The loan has been on hold but interest has accumulated. I owned {$32000.00} at the beginning of the loan and now they say I own {$38000.00}. So they will be making {$6500.00} in interest for those three years while telling me lies to hold on, they said that the government is still figuring things out. The news say we will forgive student loans that attended XXXX. But they still say that I have to pay taxes on my forgiveness which is 25 % at least from the total amount of the loan, it will probably have to be filed as a gift from the government on a tax form. If you add {$6500.00} plus the taxes that I would have to pay, it would come out to half of the money that I owed from very beginning which was $ XXXX {$15000.00}. Navient still tells me to wait some more time, that I have until XXXX in hold status. In XXXX they will be happy once that percentage accumulates to a full amount that I started with, all for a fraudulent degree. Is it not enough that I have already paid {$58000.00} for my degree and gotten nothing in return. I tried to call multiple places about loan forgiveness and they are all fake, every place I called wants {$2000.00} to look at my case. Why would I pay again and again for a fraudulent degree, plus they don't guarantee if my loan would be forgiven. It is sad that many schools defraud the students and the government allows it to happen over and over. If The Department of Education understands that students that do not receive valid degrees for the amount of money that they paid for then there should be complete loan forgiveness or to make my degree that I paid for valid for accreditation. Please contact me to further to proceed with Navient removing my loan from any payments, finance charges and taxes. Thank you, XXXX XXXX
Company Response:
State: VA
Zip: 23233
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A