Date Received: 2020-10-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: As a XXXX Veteran I attended XXXX university, when I enrolled I used my chapter XX/XX/11 VA education benefits as well as the yellow ribbon program to pay for my tuition. The VA essentially paid full tuition as well as a monthly stipend to me while enrolled in XXXX university. However there was a period of about a month from the start of classes until the payment would be made. The financial advisor at the time led me to believe that I needed to take out federal loans that amounted to a total of roughly {$26000.00} ( I did not know that amount until later ) to cover for the time lapse with the VA program even though my tuition books and fees were completely 100 % covered with the VA programs I was utilizing. They then sent some of the loan money to me saying it was a stipend, or saying it was a grant from the government, but they also sent some of the loan disbursements to an account that was not owned by me, but was still said to be " stipend '' out to me. They said they sent me {$26000.00} in stipends within six months. They did not. They also told me that once the VA started paying my tuition that my loans would be cancelled, instead they kept requesting money for tuition from both the student loan providers and the VA. Then when I asked for an investigation, they changed all the records to reflect I dropped classes the first day of enrollment causing me to owe roughly {$17000.00} dollars back to the VA . They changed all my grades in there system to F 's and said I never attended classes. They had to send certifications to the VA saying that I was still enrolled to receive payments, which they did for years. Yet my real enrollment was only for 6 months. On the audit the XXXX found they had me enrolled in online classes as well as campuses in XXXX XXXX as well as in XXXX California. But the " new ledger '' I was sent reflects me dropping classes as soon as I was enrolled, which in turn caused the debt owed by me back to the XXXX. I have all the emails from them as well as emails from instructors that will verify that I in- fact did complete more attendance than they reported since my last day attended matches the day the classes start. In short this school scammed me into getting federal student loans that they dispersed to themselves. They have caused me a ton of debt and financial harm that still continues as well as lost VA education benefits that I paid into not only with my service to this country but with my money as well. I am in debt {$43000.00} as a result of a 6 months attendance that did not end with a degree. I have asked the loan servicer to forgive these debts as they are fraudulent but they will not. Stating the information they received from the schools says it is a certified debt on there end because the school XXXX University certified attendance to receive the loan amount. Yet the same school told the XXXX I dropped all my classes the start of enrollment causing me to repay thousands in tuition and BAH and resulting in a loss of education benefits to myself.
Company Response:
State: CA
Zip: 95337
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My loans were originated in Sallie Mae. As a XXXX, for years I completed documents with my employer a XXXX for XXXX XXXX to cancel my student loans. After nearly cancelling all of them However, Navient acquired the loans and now it appears I owe them {$27000.00} This amount is appearing on my credit report lowering my credit score. I am aware Navient has a lawsuit for misdirecting borrowers and I believe was one of them.
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: To whom it may concern, I would like to make a formal complaint against Navient and XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, MN XXXX @ XXXX Ref- Account XXXX. XXXX for the Amount of {$72000.00}. I do not owe Navient Anything. I've had an on going problem with Navient for several years with harassment and from all the collection agencies sent by Navient. Navient has Destroyed my Credit, I had a credit score of almost XXXX, before Navient Deliberately forced a Default on this Loan. I am Request to be released as Co-Singer on both loans for XXXX XXXX XXXX File # XXXX and XXXX XXXX XXXX XXXXFile # XXXX Case # XXXX. Navient Please contact both bowers, you have their information. CFPB what are my recourses, Navient, I have many on going Health issues, and the Harassment from Navient and Any and All Collection agencies causing more Health issue and harm for me. I have documented the same issue of Harassment with Navient in the past with CFPB and the State of Conn File # XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX. Navient Default on my Loan Purposely, Destroying my Credit, Ruined my Life, I am also Request that the State of Connecticut Attorneys General and Consumer Financial Protection Bureau, to Investigate Navient and any Collection Agencies, and to also look into the business practices of Navient and its subsidiaries. Thanks XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/2020 2020
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: SALLIE MAE BANK joined XXXX XXXX XXXX University in predatory lending practices in 2006. The accounts that were opened were then transferred to Navient, without my consent allowing them to gain from the sale.. Navient has sent letters to reduce the principal balance threatening they would take legal actions. XX/XX/XXXX XXXX XXXX a debt collection company contracted with Navient to collect {$30000.00} also stating they are willing to collect amount of {$11000.00} The Original Principal balance was .... The amount I have paid including interest ... ... Was not included in the letter
Company Response:
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: On XX/XX/XXXX, I made a payment of XXXX on my loan account which changed the balance from {$7300.00} to {$6300.00}. On XX/XX/XXXX, XXXX my account was refinanced by XXXX XXXX for {$7300.00}. On XX/XX/XXXX, I had a negative balance of XXXX. I contacted NAvient, requesting a refund of the negative amount to the loan account. XXXX, Loan Servicing Specialist, confirmed, the refund was approved, and a check will be sent in the mail. I never received the check. I called XX/XX/XXXX, following up with my Navient concerning my refund because I never received the check after speaking to multiple people. I finally talked to someone who was able to process the check. Finally, I received the check on XX/XX/XXXX. However, on XX/XX/XXXX, I checked my account, and there was a balance of {$1000.00}. This is a false balance. The billing statement should be XXXX. The loan lender is requesting double payment. I received the check because the account was over paid and was in a negative balance. I tired to contact the lender but have gotten no responce. Working with Navient in the past, they have consistently mismanaged my account balance. Every time I call the customer service agent is not helpful, and I have to talk to multiple people before I can get help
Company Response:
State: ME
Zip: 04401
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been repaying my student loans since XXXX, and I consolidated them in XXXX with Navient ( formerly Sallie Mae ) and that resulted in 2 loans. Loan Type - DIRECT School - CONSOLIDATED Current Owner - U.S. DEPARTMENT OF EDUCATION Guarantor - DEPT OF ED/NAVIENT Disbursement Date - XX/XX/XXXX Original Principal - {$28000.00} And Loan Type XXXXDIRECT School - CONSOLIDATED Current Owner - U.S. DEPARTMENT OF EDUCATION Guarantor - DEPT OF ED/NAVIENT Disbursement Date - XX/XX/XXXX Original Principal - {$11000.00} In XXXX, XXXX I was advised that in order to pay off my loans in the time that was originally agreed to by both parties ( me and the Dept. of Education ), my student loans would be increased from {$260.00} per month to {$330.00} per month. ( At some point they were at {$260.00} and reduced slightly at Navient 's direction to me after they did whatever calculations they do to determine the repayment amount ). The increase from {$260.00} to {$330.00} was significant to me and I tried to dispute it with them several times ; I asked for my complete loan payment history and at that time they would not provide it. They would only provide a summary of all loan repayment activities. With all of the changes to student loan repayment and in light of the recent law suit they settled, I decided to try to dispute the interest they are charging me with your agency because if they calculated my repayment amount to be that much lower at the start of the loan, they were collecting a lot more interest than they should have been for 6 years! The interest I pay on 6 years is very significant. I tried to get them to tell me the difference so I could dispute the additional amount of money I will end up paying in interest due to their faulty calculations and they absolutely refused to do so. After about 5 phone calls I gave up, feeling helpless and very much victimized. I even told them I was waiting for someone to initiate a class action lawsuit based on this issue because I was sure I am not the only person they did this to. It made no difference to them. I have a printout of all my payments and the rate hike now and I'd like to know how I can formally dispute the additional interest they will inevitably collect from me and have that amount removed from my responsibility since it was them who calculated my repayment amount and I simply followed their directions and set up that amount for automatic payment. I cant easily estimate the over-payment amount, but my interest rate is 5.75 %, with a .25 % break when I pay through auto-pay. The loan is estimated to be paid off by XXXX/XXXX/XXXX now and I can't figure out how much I am overpaying because if there has been no change in interest rate ( which I was not advised there was ) then it seems they charged me less money at the start when interest was highest, and not even {$0.00} went toward repaying the principal unitl after the first 13 months. All this seems wrong to me. When I ask them direct questions about it, in XXXX and XXXX, I never receive straight answers.
Company Response:
State: CA
Zip: 92019
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: This is my third complaint regarding navient collection process. This time the problem is them calling third parties that is not involved in this matter. I am getting calls from family concern Navient calling them several times during the day. I spoke to Navient, Mrs. XXXX XXXX, on XX/XX/XXXX concerning the loan and the method they are using to not just call family but my employer. There is no reason for Navient to do this. They have my personnel email address, home address and my cell number. I told Mrs. XXXX on the phone XX/XX/XXXX that navient needs to stop the harassing calls. Mrs. XXXX never mentioned on the call that SHE is the one calling my family. I have tried to resolved this with navient but what they want is to make our lives miserable. I explained to them what I could pay and in face have done exactly what I told them. But they are still calling my family. So I am asking your help in stopping them from not just harassing me, but ALL my family. There is not need for this but to only harass people. I am planning to send a letter to the California Attorney General regarding the extreme method Navient is using. Can you please demand that they stop the harass calling to my family IMMEDIATELY.
Company Response:
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My student loan was discharged in a court settlement for predatory lending. All account balances have been discharged for the affected borrowers, even people who were default on their payments and never paid their balances. I made all of my payments on time and have paid more than {$10000.00} on this loan. I feel that if the loan was found to be fraudulent or predatory and they are discharging all remaining balances, even the people who never paid anything, then I should be entitled to receive all of the money I have paid into the loan.
Company Response:
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: This complaint is in reference to complaint XXXX, My initial complaint : I just learned on XXXX XXXX that Navient requested and received a hard copy of my credit report. I never authorized this transaction or requested or applied for a loan with this company. Navient continues to act recklessly, carelessly and unethically. Navients response : The Fair Credit Reporting Act ( FCRA ) permits an existing creditor with an open account to obtain the consumers credit report for review or collection of the account. A collection agency working on behalf of the creditor is also permitted to obtain the consumers credit report. Thus, Navient and Navient XXXX as its service provider are both permitted to obtain your credit report for the purpose of collecting your outstanding debt. Your response describes a soft inquiry, I recognize requesting a soft copy for the purpose of collecting a dept is authorized, however Navient falsely reported that I consented to a credit check report which resulted in a hard copy request. This act has negatively impacted my credit and will remain on my credit report for two years. Navient Committed fraud and acted in an unethical manner when Navient conveyed that I provided them with consent in pulling this report. I never provided Navient with This act is illegal.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: In XX/XX/XXXX/XX/XX/XXXXof this year ( XX/XX/2020), I had received a call to my place of employment by Navient. They had called my office, spoke with a coworker who then provided them with my direct line and transferred the call to me. I was unable to answer, so the call went to voicemail. I had called Navient shortly after and explicitly told them to not call my place of employment. I had informed them I am not able to take personal calls at work and could get in trouble I requested they remove my work phone number and to not call. Today, XX/XX/XXXX, at XXXX, Navient rep XXXX XXXX, called my place of employment after I have already explicitly requested they do not. They were then transferred to my line where she did not leave a message but instead immediately called my line a 2nd time a few seconds after. It was during this 2nd call that a voicemail was left. When I called Navient and spoke with XXXX I had informed her I had explicitly told them to not call my work phone number and after being advised not to do so they still did. She indirectly attempted to justify it. During the call, Ms XXXX had accused me of being a thief, made accusations of never intending to pay and when I had informed her of my intent to file a complaint, she then threatened to escalate the matter as a form of retaliation. Furthermore, during the call she lied about the FDCPA guidelines on the number of calls they are allowed to make. Navient rep was in violation of FDCPA for contacting my place of employment after I have explicitly requested they not call, for providing false information regarding the purview of the FDCPA, making accusations that I had stolen money from them and then threatening to retaliate when advised of my intent to file this complaint
Company Response:
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A