Date Received: 2020-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Department of Ed/Navient is using my nonpublic personal Identifying information to include my social security account number WITHOUT my express consent or authority. I specifically deny and object to liability on account stated as rendered no. XXXX as I am not a debtor but a Natural Person who acquired " Consumer Goods '' to be used primarily for Personal, Family, or Household Purposes. The three major Credit Bureau 's by law is directed to removed said inaccurate information as it causes the " Consumer '' undue hardship by reducing my lending/selling ability and purchasing/buying power through commercial disparaging to which Identity Theft conversion of property. XXXX XXXX XXXX XXXX XXXX changed my character from Principal/Consumer/Supplier/Issuer/Accounts payable to borrower/debtor/ Accounts receivable and assume my Identity to sell commercial paper in my name. Criminal Fraud has no statute of limitations and I will defend against any Corporations, Individual, Private Entities that is affiliated with the U.S. government or Not affiliated, and I will seek my remedy and stand up for my Rights.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Navient has 4 students loans on my report I have never even got a loan.
Company Response:
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Navient on your nine page Federal Family Education Loan Program ( FFLEP ) Federal Consolidation Loan Application and Promissory Note dated XX/XX/2004 contract why is no Guarantor, Program, or Lender Identification on it for promise to pay?
Company Response:
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have had issues with Navient ever since they took over my account. Right now, I am not even able to log in and receive information. However, my chief complaints are 1. Refusal to acknowledge option to consolidate away from Navient to XXXX XXXX XXXX requiring me to have XXXX assist me during a call to Navient, in which they still resisted providing the information. 2. Never providing information on income based repayment, repeatedly forching my into forbearance and deferrals. 3. Refusal of my application for foregiveness based on my years of XXXX in a XXXX XXXX school. If pursuing these is of benefit to me, I will contact NAVIENT and attempt to get the required details from them.
Company Response:
State: AK
Zip: 99504
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have repeatedly been charged less through autopay than Im told in my account that I should be paying and without my permission. The first time I noticed this was in XX/XX/XXXX, when I realized I was charged {$400.00} instead of closer to {$450.00} like I had thought I was paying. This made me take a closer look at my payment history, and these are the changes I noticed : XX/XX/XXXXXX/XX/XXXX : $ XXXX/monthXX/XX/XXXXXX/XX/XXXX : $ XXXX/monthXX/XX/XXXXXX/XX/XXXX : $ XXXXmonthXX/XX/XXXXXX/XX/XXXX : $ XXXX/month Prior to XX/XX/XXXX, the price per month was lower than {$440.00}, but after XX/XX/XXXX I started budgeting $ XXXX/month and assumed thats what I was paying until I finally caught on in XX/XX/XXXX. I called and talked to them then, in attempts to find out what was going on, and I was just told that autopay amounts vary and there was nothing I could do about it and that they didnt need to give me any notice or get my permission. I literally said I wanted to pay more per month and they told me that there were no plan options for me to be able to do that. In XX/XX/XXXX I added extra money per month to my autopay for my federal loan, because that one has a separate payment from the rest and is the only one that will allow me to autopay extra each month. This should mean my total monthly payment is now {$500.00}, which is what their website still says I pay per month as of today, XX/XX/XXXX. However, on XX/XX/XXXX, only {$370.00} was deducted from my account. What happened to the other {$120.00} even my autopay says I was supposed to be charged for the month? I realize it seems odd to be complaining about paying less, but this is going to lengthen the amount of time Im in debt to them, which is going to mean I pay them back even more than I agreed to in the first place. As it stands, those 15 months of lower payments means I paid {$210.00} less than I had thought. Combine that with the missing {$120.00} from this month and thats {$330.00}, which means thats an additional month of payments tacked on to my loan term, which means thats extra interest money Navient is discretely making off of me. Ive already been paying off my student loans for 18 years, and according to Navient I still have XXXX more to go. Its ridiculous and overwhelming enough without having to worry about companies pulling this kind of shady XXXX when all Im trying to do is pay the amount I agreed to.
Company Response:
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX University is going through a lawsuit and is required to have all negative remarks removed from students credit report. The 2 late payments needs to be removed off the credit report. There is also supporting documentation for this matter. XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I am being harrassed by navient over a private student loan I am unable to pay at this point in time due to being laid off work earlier this year. I have explained the situation to the company and the response I received is " it is a private loan so it is your responsibility to pay back or get your co-signer to pay for you. '' I have asked to be put on deferment to which I am refused. They call me, as well as my co-signer every 30 minutes from about 15 different phone numbers.
Company Response:
State: MO
Zip: 63129
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient has a practice of stating a loan is past due on the due date. This practice results in the next monthly payment being added to the amount due and records the " on time '' payment a day later, as if it was late. This also cause confusion and anxiety when you knowingly pay your bills early or on the due date and you open the website to find that it says you are past due and owe double. For example, I have 2 loans due on the XXXX of the month, and if I enter to pay on the XXXX of the month ( I do this before noon so there is no doubt that it was early enough to not be the end of a business day and to account for different time zones ), my statement says my loans are past due and the amount due is double. Further, when I make the payment, it posts the payment the next day, as if I was late making the payment. If a payment is due on the XXXX and paid on the XXXX, it is not and can not be a late payment. If a payment is due on the XXXX, it can not be late until the XXXX. I have reached out to Navient and asked them to stop this practice as it is deceitful and anxiety causing. Navient 's response was to say the payment and posting of the payment must be on the XXXX. Navient decides when the posting happens, in spite of making the payment early on the XXXX ( before noon ). Navient 's response does not address why the live website states the payment is late on the day it is due. And, even if paid on the due date, the payment will not post until Navient decides to post it. Therefore, even if a borrower pays on the due date, Navient will post on a different date, which gives the appearance of the payment being late. Also, stating that a payment is late on the due date and showing the current and next month 's payments as " Due '' results in many borrows believing they owe double for the month.
Company Response:
State: AZ
Zip: 85706
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have spoken repeatedly to Ms. XXXX XXXX with Navient throughout the month of XXXX in which she is still demanding that I settle my private student loans by the end of the month. Recently I have asked ( XX/XX/XXXX ) to lower the down payment from {$5000.00} to {$2500.00} before making payments, but nothing has come from this discussion. I tried asking to renegotiate the total repayment of the loan and that was denied also. In fact, I was further be belittled over the phone about how these student loans are my problem and I need to make a decision what to do by the end of XXXX. Furthermore, I tried explaining to Ms. XXXX that my job may be the chopping block due to market uncertainty. I am a XXXX in an XXXXXXXX XXXX XXXX and our clients are beginning to cancel or delay projects again due to the ongoing pandemic Covid-19. Now, I'm asking for a delay on repaying this defaulted loan until the beginning of the New Year when we can re-assess how stable my income will be. Thank you.
Company Response:
State: OH
Zip: 44236
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A