Date Received: 2020-10-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I took out a series of student loans over time beginning from XXXX to XXXX. During those timeframes, some of the schools closed, loan offices closed, companies failed to honor my requests for appeals, my work, unemployment and income taxes both state and federal were garnished! I have no paperwork from anyone! I have requested copies of the paperwork! I dont have access to my own internet or phone due to COVID! I have continuously tried to get this information! Have the correct information reported to the credit bureaus and to be used a refund with interest and back pay effective immediately!
Company Response:
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My complaint is against Sallie Mae , Inc. and XXXX XXXX XXXX XXXX. I previously had a student loan through Sallie Mae that was paid/satisfied for {$940.00}. My bank, XXXX, was able to confirm this on a credit report from XX/XX/XXXX, when I was working with them as a first-time homeowner. In order for them to finance my house I could not have any open judgements. I'm currently in the process of selling the house that was financed. On XX/XX/XXXX, my realtor stated that the closing attorney located a judgement against me that would need to be paid from my closing proceeds. He sent me a copy of the judgement and it was the same one from Sallie Mae that was paid/satisfied years ago, except it had accrued interest. The balance was now {$2000.00} ( {$2000.00} by the time of closing ). When I contacted Sallie Mae they stated they had no record of the loan. They transferred me to Navient who also stated they had no record of the loan, so they transferred me to XXXX. XXXX was able to verify that the loan was sold to XXXX XXXX XXXX XXXX, so I requested that they contact me to discuss. When I spoke with XXXX XXXX XXXX XXXX they stated they received the loan for collections in XXXX from Sallie Mae and had no record of a payment. I told them about the loan showing paid/satisfied on my credit report 7 years ago. The representative stated the credit report and/or a statement from the bank was not enough. I would have to provide a copy of the actual payment directly to them or Sallie Mae. The representative was very rude and stated " the issue is the loan was never paid in the first place '' meaning she did not believe me. I have been calling XXXX XXXX XXXX XXXX and Sallie Mae for over a week trying to resolve this issue. None of the information or lack of information from both companies makes any sense. Since the judgement was sent to my County 's Clerk of Court for civil processing directly from Sallie Mae , Inc., they should have a record of my loan account and the payment history. I just moved out of the house into an apartment for the closing, so all of my previous mortgage and student loan docs are in storage. XXXX stated they would try to search my checking account for transactions. However, it could take awhile since I'm unable to provide any actual payment dates. I graduated in XXXX and the loan had to have been paid off between then and XXXX. The sellers closed on the house today and the loan payoff was taken out of my closing proceeds. I would like CFPB to investigate this unfair business practice of trying to collect on a loan that has already been paid/satisfied.
Company Response:
State: NC
Zip: 274XX
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I paid my loan off last year. XXXX XXXX has been calling me everyday. When I ask for them not to call they said they don't have the capability to put me in do not call and that Navient sent my information to hundreds of places and they are calling me everyday. XXXX is one of the numbers.
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My ex husband used my information to get his school loan before we divorced in XXXX, XXXX with company name 'NAVIENT '. He filled out electronic loan papers and used my identity. He put his 2nd email address and his cell phone with my information as cosigner. After 10 years these loans are showing up on my credit report and ruined my score because he is not on top of making payments. I talked to NAVIENT numerous times with police report for fraud too. 1. Loan # XXXX Original loan amount {$13000.00} current amount over {$28000.00} Opened XX/XX/XXXX 2. Loan # XXXX Original loan amount {$10000.00} current amount over {$16000.00} XXXX XXXX All I want NAVINET takes my name off these loans. My sign was not notarized for these loan. All done under electronically.
Company Response:
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navient is showing that my student loan is days past due when payments are being made monthly. They are also not updating my credit status, causing it to keep looking like I have not made a payment on my loan for significant periods of time.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I emailed Navient on XX/XX/2020 requesting that they apply my additional payments to the principle because I noticed that they applied it to principle and interest. They responded on XX/XX/2020 and told me they were unable to apply my payments to principle only because I had accrued interest. Is this possible that I can not pay down my principle? I have paid so much interest on my loans over the past 16 years and my balance has barely gone down. I am now in a position to aggressively pay off my loans, but feel like my provider is making it so challenging to get ahead. This just seems unethical. Thank you.
Company Response:
State: MD
Zip: 20817
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX I made a payment towards my school loan in the amount of {$22000.00} to Sallie Mae at the time now they are Navient. I thought this was the total amount to be paid to the loan. However, there was still a balance of {$110.00}. Rather than applying my payment to the entire loan, they held the entire {$22000.00} in an account of their own and pulled payments from it till XX/XX/XXXX. Keep in mind, I had no idea this was being done nor did I ever receive one statement in the mail. They said they emailed statements but that probably went to SPAM because I never heard of Navient. Not until XX/XX/XXXX did I get something in the mail stating I was delinquent on my account. Once I received that notice I immediately contacted them to find out what the problem was. Once I validated their claim I made a payment to them to settle the account. Now after 13 years of holding my money and charging me interest they then made a negative reporting to the credit agency. I had a rating of almost 800 and now it is at XXXX! I don't know how they can legally hold XXXX of money, probably in an interest bearing account that I saw nothing of, and then charge me interest. And never send me anything in writing stating that fact. Regards, XXXX XXXX
Company Response:
State: VA
Zip: 22701
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Between XX/XX/XXXX-XX/XX/XXXX I attempted to submit XXXX loan forgiveness application to Navient student loans, 6-8 times. Each time, customer service said the application was denied due to an error on the application. I attempted to correct several paper errors, fixing simple corrections. Navient claimed I did not fill out paperwork properly, however, each time directions to correct the errors was different and my paperwork was continuously deleted each time. I do not believe Navient kept adequate documentation on my progress to complete the application. I met all of the requirements according to the loan. I have documentation from XXXX ; my certified XXXX XXXX XXXX XXXX XX/XX/XXXX; an employment verification with XXXX from XX/XX/XXXX-XX/XX/XXXX ; and proof of working at a XXXX XXXX XXXX I believe Navient is refusing to accept my application even though I have met all of the requirements to qualify for the XXXX Loan forgiveness program. I believe to the best of my knowledge I qualify for the maximum amount to be forgiven, {$17000.00} and Navient is refusing to honor this application based on dishonest and/or unethical reasons.
Company Response:
State: WY
Zip: 826XX
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I had a loan with SallieMae that was bought by Navient around 2012. The loan was a subsidized student loan and was in deferment. No interest should have accrued until this fall after I completed my degree. When I was contacted by Navient about repayment they had a balance of over {$16000.00} when it should have been well under {$16000.00}. I called Navient and talked to employee XXXX and told her what the balance should be and she said when they bought the loan in 2012, the balance was over {$17000.00}. I told her I had paperwork from SallieMae dated XX/XX/12 that clearly showed a balance of around {$15000.00} right before my account was transferred to Navient. She said she had paperwork for Navient that showed the balance as $ XXXX in XXXX of 2012. She said I should fax her copies of the documents from SallieMae which I did on XX/XX/XXXX. I also had my university send proof that the loan was in deferment from 2012 until now which they did. I called Navient today and asked them if they had made the necessary change to the amount I owed. The woman I spoke to barely spoken English so she was incredibly hard to understand. She said something about accrued interest and a reverse loan something or other. When I asked her what my balance was in 2012 she said $ XXXX. I asked why the balance had not been corrected and she started talking unintelligibly about something with reverse balance ... I could not understand what she was saying. She also told me that my faxed documents had been received and a letter had been mailed today which was their response to my complaint. I don't have the letter and quite frankly I am not sure I believe that they actually sent a letter at all. If they did it should show up in a few days. The following uploads will show you that there is a major discrepancy between Navient records and the records that I was sent by Sallie Mae. The Sallie Mae documents I received showing my payment record for the loan on XX/XX/12 has a full repayment balance of {$15000.00}. The Navient records show for the same date show the balance to be almost {$1000.00} dollars higher at {$16000.00}. I had massive issues with SallieMae constantly and illegally trying to take me out of deferment or accruing interest while I was in deferment. I had hoped Navient would be better but it appears they are just as crooked. I am sending this complaint to start the process of investigating Navient for student loan fraud. This note is the first step in what I hope can be a quicky resolved issue although I am not as hopeful as I would like to be.
Company Response:
State: KY
Zip: 40504
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Similar to my last complaint, I am being actively refused transparency by Navient. On XX/XX/2020 I called to provide financial information for my enrollment in their Rate Reduction Program. This information did not differ from the information provided previously that maintained my eligibility for the program. I am not sure I actually provided this information, and Navient has told me two lies thus far about why I was denied : the first, when I asked on the first phone call, was that it had to do with my XXXX score. I was told this by two employees, including a supervisor. That was false. Upon submitting my former complaint, I was then sent four documents ( attached ) stating that it was a failure on my part to comply with terms and conditions, which as stated to me entailed on time payments every month, which I provided. This claim was demonstrably false. I was contacted by a Customer Advocate who has sent me multiple documents ( attached ), all of which contain conflicting information about what information was provided initially, why I was denied, and apologies about their lies which ultimately amount to Navient saying whoopsie daisy about providing me blatantly false information in lieu of answering my questions truthfully. Now, they refuse to provide me the audio of the initial phone call so that I XXXX make certain that their claim of me having provided them the financial information ( prior to XX/XX/2020 when I emailed in a paper copy of it for review ) is true. I may be misremembering that conversation and I dont see any reason why, if I am, the audio should be kept from me. After being lied to and sent in circles multiple times, you can imagine why I might not have faith that theyre telling me the truth. Finally, my initial question remains unanswered and I have been cause undue XXXX and XXXX by their inability to practice their business ethically. I still have not been told how and why it is that the same information that kept me in the program has suddenly pivoted to ejecting me from it. It doesnt make sense to me, and I have a feeling they know very well that it doesnt otherwise I dont know why they would lie to me this way. I can accept that they have decided to stop offering me the program - conveniently during a federal student loan payment and interest freeze which has resulted in the loss of revenue from interest and fees. Ultimately, the problem isnt that I was removed at this point, its the lies and deliberately misleading information I have been given and the information that is deliberately being omitted. There isnt a lot I can do about the ethics of a fundamentally unethical system that exploits students, but I can than demand better by advocating for myself and refusing to accept lies, non-answers, and evasion tactics designed to confuse me. I have attached copies of the documents I have been sent by XXXX XXXX and by Navient.
Company Response:
State: ME
Zip: 041XX
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A