Date Received: 2020-10-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navient is reporting three of my student loans late on all three of the Major Credit reporting companies. The Cares Act of 2020 has placed all Student Loans in Forbearance. Navient Refuses to rectify the situation my student loans should not be reporting late. Navient has a history of not following proper procedures and has also been sued numerous times.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/XXXX, I contacted Navient to inquire about why I am continuing to be charged interest on my student loans. The representative indicated that my loans with Navient did not qualify under the CARES Act because they were acting as a " collection agency '' on my loans. The loans were previously defaulted on and were held by XXXX. In XXXX, the loans were then sold to Navient and I began receiving correspondence from Navient regarding the loans. When the loans were transferred from XXXX to Navient, there were excessive fees added to each loan that Navient is now collecting on and charging interest on these fees by deceptively adding them into the total balance. I now have loan balances that are upwards of 95 % more than the original loan amounts. I asked the Navient representative for an audit of my account and was advised that I could not receive one. Original first dates of delinquency prior to XXXX have not been acknowledged. Also, XXXX is acting as guarantor of my student loans for the Department of Education. Navient is only either " collecting '' or servicing, however Navient has not made it clear exactly which capacity it is acting under. Subsequently, each month, my balance is doubled and interest is charged and reported to Transition, hurting my credit score although the loans are supposed to show deferred as I am currently in school. The fluctuations in the total amounts owed is causing undue hardship to me because these balance fluctuation are affecting my overall debt to income ratios, diminishing my credit scores and giving an inaccurate picture of my credit worthiness to potential creditors that I may wish to work with.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am enrolled in e-statements and auto payment for my loans. The website doesn't clearly state the amount that is due each period. It states amount due as " {$0.00} '' This makes it difficult to pay down the balance faster in any sort of planned method. Why isn't my monthly amount due plainly available on the site? There is also no straightforward way to access a monthly statement on the website. If one types in " statement '' into the Help Center search, it returns nothing. If one puts in " statements '' in the search, it gives an option for the federal tax statement or a loan verification letter. Because I have the e-statement, there is a link mailed to me to access a statement. It is not a link to the main site, but rather sits off elsewhere on a server. If I want to access a statement from 3 months ago, I have no way to view it on the website. Why not make an e-statement tab on the site and I can view my statements whenever I need to? The company doesn't seem willing to make these changes.
Company Response:
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2020-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, Navient is reporting inaccurate information on my credit report with XXXX. XXXX and XXXX is reporting exceptional payment for my account history. Navient is reporting with XXXX negative payment history for the following accounts : date open XX/XX/XXXX, balance $ XXXX-Current was past due 150 days. The second account date open XX/XX/XXXX, balance {$7300.00} and is reporting as Current was past due 150 days. The third account date open is XX/XX/XXXX and the balance as {$2100.00} and is reporting as Current-was past due 150 days. Im requesting to have the information reported correctly with XXXX as exceptional payment history. The way that the account are reporting with this credit bureau is incorrect and is hurting my credit score. Thank you.
Company Response:
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2020-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I currently have federal student loan debts through Navient. During the CARES act it appears I was charged interest on two separate occasions ( {$1.00} on XX/XX/2020 and {$1.00} on XX/XX/2020 ). While I know the aforementioned amounts are very small I am confused as to why I am being charged interest and curious if there are other people Navient has charged interest to during the CARES act.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Navient removed 5 accounts ( on XX/XX/2020 ) that were closed from my XXXX credit report before they were to be removed under the FCRA. These 5 accounts shouldve stayed on my credit report for another 2 years. Ive contacted XXXX and they stated that Navient requested to have them removed. I then contacted Navient and they said they didnt remove them and after they looked into it stated that the accounts were closed and shouldnt have been removed for another 2 years but wouldnt place them back on my credit reports. When they were removed it dropped my credit scores by 39 points because they were my oldest good standing accounts on my credit reports.
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: When I login to my account with Navient, they have taken away every viable option for deferment and forbearance and there is no mention of the administrative forbearance for which this loan falls under still. I also see online that my student loans were put into a graduated repayment plan to end on XX/XX/XXXX. I NEVER signed up for this and NEVER had an knowledge of this before today. Navient sent a fraudulent loan document claimed that I signed up for it. When in fact they typed up the form forging a signature in a way that I have Never signed my name nor electronically ever in life. Nor can they provide a valid and actual digital data certificate and audit trail for that " supposed signed form '' Navient said : You requested a copy of your original loan contracts. Weve enclosed copies of your Stafford Loan Application and Promissory Notes along with your request for assistance with completing a Smart Loan Consolidation Application. We assisted you with completing the consolidation application and the enclosed Loan Consolidation Disclosure Statement and Repayment Schedule was sent to you. I said : It was a more information form that was checked. Still no actual date on it and just because someone asks for more information doesnt mean they are going to do it. Plus there was no mention of an FFELP loan on that more information form. Just asking if I want a smart loan form prefilled with information not guaranteeing I would do it as there was no need to consolidate as I was in school at that time. Not to mention, a signature should never be prefilled when supposed mailed to me. Navient said : We previously provided your Promissory Note which was signed electronically. It is not a fake form. Electronic signatures are recognized under state and federal law including the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ), the Uniform Electronic Transactions Act ( UETA ) and the separate laws of the states of Illinois, New York and Washington. As indicated on page eight of your Promissory I Said : As I previously mentioned, I have other student loans and other contracts from over 20 years of both actual and electronic signatures ( which no one can prefill out for me as that would be forgery ). I have never signed using my middle name nor middle initial on any document EVER! I have multiple documentation including other student loans during that time period to prove every signature is the same. You might have mailed me a prefilled out form ( during that time period it would have been mailed to me as that more information for was requesting to mail it to me but I for sure did NOT sign it ) I can tell by how the signature is done with a middle initial which means it was typed out by someone. Not to mention, I never received the for the supposed consolidated loan promissory note ( including page 8 referenced ). What is also interesting is that every other form you have during that time period was handwritten except for this one. Not to mention it is missing IP address ( which would have been saved for any electronic signature with date and time stamp and audit trail = a digital data certificate and you dont have it ). There are a number of e-signature laws across the world, such as ESIGN and UETA, which define what constitute a legally binding esignature. Just typing a name on a form and clicking submit has several issues that prevent it being upheld in a court of law especially without an actual digital date certificate and audit trail. So yes that is a fake form that I NEVER signed and again was in school through out that time period so there was no need to consolidate in XXXX as the loans would have been deferred while in school. And again, I have documentation from other student loan servicers during that time period and the signature are exactly the same. This one form from you is different from any other form I have ever signed in my life even electronically. Also, you say my loans are no longer owned by the Department of Education, but you say that they can be discharged by the Department of Education after not being repaid in 20 to 25 years. The DOE disagrees with you as I checked with them. So where is that in writing? Navient ignored this. Finally, you said you removed a late fee from XXXX but there are additional unexplained fees still on the account that were not removed and still showing due and it should not be. Navient ignored this! But most importantly I never signed that form! I bet whoever typed up that form at Navient to pretend it was mine wished they had looked at my actual signed forms before they forged a signature using information that I never use in any written or electronic signature. They changed it to an FFLEP loan with a graduated payment on their own without my knowledge nor my signature.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been sending documents to Navient on behalf of my loan discharge. I was told that I qualify for a loan discharge for ( ability to benefit and disqualifying status ) from a customer service representative from Navient after explaining that I have not been able to find employment due to having a criminal background. When I first submitted my application back in XXXX of XXXX, it was denied due to not having the State of CT statues that states the type of employment that you are not able to have due to having a criminal record. I re-submitted these documents days later with the statues attached. I was contacted by Navient and told that my application for discharge was denied due to not having the documents showing my criminal record before my loans were XXXX. I then submitted these documents to Navient in XXXX of XXXX. In XXXX of XXXX, I was told that my loan discharge was denied because I needed proof that the school was made aware that I had a criminal background before my loans were XXXX. I submitted a letter from the Associate Dean of the University of XXXX, that was written on my behalf for a pardon that I was applying for. I was again, denied because it did not state that the school was made aware that I had a criminal background before starting the program. I contacted the University of XXXX and received a letter in writing from the Associate Dean, stating that in XXXX of XXXX I notified the school of having a criminal background before starting in XXXX of XXXX. I uploaded this required letter to Navient in XXXX of XXXX. I was contacted by a supervisor and was told that the discharge was again denied and that I would need letters from jobs that I applied for, showing that I have been turned down for employment because of my criminal background. I contacted over XXXX human resource offices for past jobs since the completion of my degree and was told that, " I would not be able to obtain this information, because it is only kept in the system for 30 days. '' I have not found a job and was told by the University of XXXX that they assist with job employment resources to help find employment upon completion of the degree program. I have not been able to find employment due to having a criminal background, I obtained a XXXX XXXX in XXXX. I have a debt that I am not able to pay because I can not obtain employment due to having a criminal record. My discharge has been denied 8 times by Navient, I promptly submit the documents that have been requested and Navient continues to deny my discharge.
Company Response:
State: CT
Zip: 06705
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The original loan that was through the Department of Education came through Navient between XXXX - XX/XX/XXXX. The phone call made XX/XX/XXXX specified the amount totaling {$25000.00} which is included in a debt consolidation program which starts with XXXX XX/XX/XXXX. A bill came in the mail dated XX/XX/XXXX from a collection agency, XXXX XXXX XXXX XXXX XXXX in the amount of {$8200.00}, claiming that it was transferred from Navient as a federal loan comprised of 6 loans. When calling to dispute the debt, the person on the phone claimed that not only does the dispute have to be in writing with a time limit of 30 days from the date of the letter, that they do not have any information on hand of the debt in question but it was considered in good standing and is being sent back to the company. The debt collector proceeded to ask about account numbers and amounts of the loan. This letter came soon after I had applied through the XXXX XXXX XXXX program for debt consolidation that was applied for in the beginning of XXXX of XXXX. I have paid automatically every month on this " loan '' for over three years with the payment coming out with the name " XXXX XXXX '' for {$300.00} a month, which was agreed upon. I do not have any further information on the debt in question except for the last four numbers of the account. The debt collector would not even give me my own account number for the bill they had sent to me to collect said debt.
Company Response:
State: FL
Zip: 32034
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
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 filing a complaint of non-compliance against the following collection companies : 1 ) XXXX XXXX 2 ) NAVIENT 3 ) XXXX XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A