Date Received: 2020-10-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navient is currently showing my loans as 30 days late, even though they are deferred by the Cares Act. The deferment from the act is automatic, so there is no reason they shouldn't correct and update this information on my report immediately.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
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: I am writing this letter to you in reference to Navient Account Number : XXXX disputing late payment items reported by Navient to XXXX and XXXX for the period of XXXX XX/XX/XXXX. I graduated from XXXX XXXX University in XX/XX/XXXX and began paying off a total student loan debt of approximately {$22000.00}. Over nearly two decades, I diligently made payments to Sallie Mae Servicing and always took my student loan commitment seriously. It was a great feeling in XXXX to write my final check to Sallie Mae and pay off my student loan in full. During that same period, my loan was sold from Sallie Mae to Navient. And to my surprise, I subsequentially learned that I still owed a very small amount ( approximately {$700.00} ). I explained to Navient that I was unaware of the outstanding amount and paid it immediately it. Why would I have paid my student loan for all those years only to make my final payments late? I was very concerned about my credit report and requested that Navient not report my account past due. But was assured that the negative items would be removed. Unfortunately, that never happened. I have repeatedly disputed these negative via electronic means because Navient refuses to take any phone calls on the matter and forces me to correspond only via mail or facsimile. On XX/XX/XXXX, I filed complaint # XXXX with the Consumer Financial Protection Bureau. Navient responded by listing the exact dates of notification and attached a scan of a letter that was sent. That documentation cleared up the reason why I was unresponsive and unaware of the remaining debt. During the referenced time period, I had moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Navient correspondences were sent to the wrong address. I have been negatively impacted for years. Given this mistake, late payments should be removed. This inaccurate, unfair, and not in compliance with the Fair Credit Report Act.
Company Response:
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navient has continued to incorrectly report to each of the credit bureaus ( XXXX, XXXX, XXXX ) that my student loans were late when, in fact, they were not. The dates in question are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each period my loans were in forbearance. I have incessantly provided forbearance documentation signed by Navient contradicting their claims yet they refuse to correct the erroneous reporting.
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I consolidated my individual student loans and began to make payments under an income driven repayment plan. Several months after this I was told that for some reason one of the individual loans was not added in the consolidation. They then asked me if I wanted to re-consolidate again with the additional individual loan added. After agreeing to this and going through with the process, I was then informed that the 20 year repayment process was restarted and my previous monthly payments did not count towards the 240 required payments on my Income driven repayment plan. In addition to this I have had multiple issues with contact with the company and issues with my yearly re-certification of income to remain on my IDR plan.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: A complaint was filed on XXXX with regard to a student loan debt. NAVIENT replied on XXXX through this site and via USPS. in there response they were documents that had a electronic signature, but nothing was provided that had both parties name on it to constitute a contract or that full disclosure was provided upon the alleged contract. after this a letter was sent certified mail to NAVIENT XXXX XXXX. I have not heard a response to this inquiry. In this letter NAVIENT was given 14 days to respond and has failed to do so.
Company Response:
State: VA
Zip: 22408
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I spoke with Navient three week ago l had received a letter stating l needed to make payments. I Express that l had received statement that we did not have to make payments during the Corono Virus Pandimic. Lady then stated she wanted to send me some papers to sign so l would not have to pay my loan for one year, l would have to sign these papers every year. As long as l was on Social Security and l did not get enough to pay my loan. I sign the papers Navient sends me, a letter today with three different amounts. XXXX, another XXXX, another XXXX. This is incorrect, inaccurate, and misleading. Several years ago l made my student loan payments. Navient continued to add interest while l made payments. The lady l spoke with stated she was sending me papers to sign so that l would not have to make payments for one year. She lied to me. I sign the papers then l receive these papers with these amounts. I am contacting The U. S. Consumer Financial Protection Bureau,. I would appreciate your assistance.
Company Response:
State: CA
Zip: 95125
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: XXXX XXXX I went to file my taxes with XXXX XXXX XXXX XXXX and applied for a anticipation refund loan which I was suppose to receive with in two business days. I called to check the status of my return and found out that the my tax refund was offset and re directed to the department of education for unpaid default student loan. As of XXXX, XXXX all of my loans were paid in full to Salliemae. which were the original lender for my loans. Sallie mae had contacted me in XXXX to get my loan out of default that i would have to pay the total amount due for my loans and threaten to put a lien on my parents home. My parents decided we needed to apply for a home equity loan to pay off my student loans with salliemae. the settlement payoff amount was XXXX. A lawsuit was filed by the Attorney General against my school XXXX XXXX, XXXX XXXX, and Salliemae. for several unlawful, fraudulent acts. from the years of XXXX through XXXX. I then reviewed and had to look through old records from the year i attended. came to find out that I had paid over the amount owed for my student loans and should have not offset my tax refund of XXXX i recently filed and redirected to department of Education I Would like my tax refund of the total amount that was wrongfully and illegally taken from me which was ; {$3000.00} by the Department of Education List of Supporting Documents : I have {$1900.00} in paper checks that were withdrawn from my account. to XXXX and Sallie mae.. i have Electronically Payments that were withdrawn from our bank account total of {$570.00} i have copies bank statements total amounts {$770.00} including a wire transfer of the total settlement pay off amount of XXXX and in addition to that my tax refund that was taken on XX/XX/XXXX of a total amount of XXXX by Department of Education The Complete Total Amount that was paid was XXXX I was charged over the amount of the my tuition.. THE TOTAL AMOUNT OF MY TUITIONS when I signed the loan agreement was XXXX total including the dollar amount the credit would cost me and charged is of {$5400.00}. Their was several altered information done by the school and my lender. XXXX would not post my payments towards my student loans.Sallie mae would raise my interest rate two times a month. payments by check were paid up to three times per month to both sallie mae and XXXX. and withdrawn from our account. Sallie mae sent statements with past due amounts when we paid more than the monthly payments amount and eventually put my loans in default. when payments were not late, doing that. they would raise the interest rate, split up my loans into five loans, add interest rate fees to each loan as high of 18.25 % charged for late fee that were originally XXXX and was raised to XXXX per month. I have been given the run around for years. Sallie mae which is now called Navient. Have done so much harm to my life, when i was XXXX i couldnt even apply for a credit card because of to many loans were open. Rather it was XXXX, XXXX XXXX, Navient ed fund, or Department of Education have fruadulent collected and ruined my credit to the point i could never fix.. O would like what was owed to me and my parents. Its only fair. I shouldnt have to have my parents and i go through this because i was XXXX to take the word of a XXXX representative. I thought they were going to help me get a career and i thpught i the time is was worth it.
Company Response:
State: CA
Zip: 91764
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: The student loan servicer engaged in unconscionable commercial practices, deceptive conduct, and misrepresentations when servicing thousands of New Jersey consumers student loans. Navient s deceptive and unconscionable tactics at various times over the last decade Steering borrowers into forbearance instead of income-driven repayment plans better suited to their financial circumstances. Failing to inform borrowers of deadlines to recertify their eligibility for certain income-driven repayment plans. Misleading borrowers about the amount of their delinquency. Also, two counts of New Jersey Consumer Fraud Act ( CFA ) violations one for unconscionable commercial practices and deception, and one for misrepresentation. " Navient had a responsibility to help financially struggling borrowers select a loan payment solution that offered them a fair chance to pay back their debt. Instead, the company incentivized its employees to put company profit above their legal obligations, with little or no regard for the student borrowers who fell deeper into debt as a result. '' Desire to join action : State of NJ, XXXX, AG XXXX, NJ DCA Dir. XXXX XXXX
Company Response:
State: NJ
Zip: 07104
Submitted Via: Web
Date Sent: 2020-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: XXXX XXXX XXXXNavient My mother and I moved in spring 2016 after she and my father finalized their divorce. Ever since, yearly and nearly monthly, we have been receiving calls for my father from these companies at this address at our cell phone numbers and landline which have never been associated to his name. We have told the company on multiple occasions that we do not have contact with him and have no way of contacting him and it stops for a while and starts again. I do not have specific dates. Please just assume this happens on a monthly basis. I asked the agent for how they were getting my info and she told me she could not and would not divulge that to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47150
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
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: Since XX/XX/2020 I have submitted disputes with XXXX, XXXX, and XXXX after a review of my credit reports revealed that 12 late payments were being reported on my credit reports under a Navient student loan account during a time in which the account was in forbearance. The results of those disputes was that " Navient verified that the information was being reported correctly ''. This simply isn't true. How can payments be late when the account was in forbearance? This is killing my score and preventing me from purchasing a home by keeping my score in fair range when it should be in very good range.
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A