Date Received: 2020-10-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On my XXXX and XXXX credit report. I never authorized XXXX credit inquiries by XXXX services in XXXX of XXXX. There should not be XXXX credit inquiries by XXXX XXXX XXXX within a 5 day window. Remove all XXXX of those inquires as there was never anything signed by me that proves that I signed any paperwork that states that I authorized XXXX inquiries by XXXX mortgage services. I never signed anything to authorize such usage of my credit. Also Every account by Navient and XXXX should be completely updated to reflect there was never a time a late payment occurred in XXXX. I request that Navient provide documentation of a deferment and/or forbearance which was not justified ; in that all requirements were met that deferment or forbearance was applicable in my case for the FULL YEAR OF XXXX. Navient and XXXX needs to provide the documentation of income and every single source that states I was not eligible for those programsat that time. XXXX sure that they prove that all documentation is completely accurate that a forbearance and/or deferment was not applicable at that time. Lawsuits are currently pending against Navient and XXXX for not sending proper information to all XXXX bureaus.
Company Response:
State: LA
Zip: 70737
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have contact and sent letters to Navient to remove 90 day inaccurate late payments from XX/XX/2015 as I was on a forbearance. My credit shows I was in good standing from XXXX to XX/XX/2015 and suddenly a 90 day late payment shows up in XX/XX/2015. I have also consolidated my loans at this time that has an exceptional payment history. XXXX and XXXX have 14 of the 90 day late payments being reported. XXXX has 5 of the 90 day late payments being reported. According to FCA all reports should report the same information and they are not as XXXX has a lower amount.
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I went to XXXX XXXX XXXX XXXX through XXXX I graduated and left the school. Several months later I discovered that XXXX XXXX XXXX was closed due to fraud. I also discovered that Navient and peaks loans were involved in fraudulent practices against it's students. I went on Navient and filed a form right against repayment seeing my diploma was no longer any good. Navient has charged me over XXXX in student loans and with the interest that occurs every month and each year had sky rocketed over XXXX in student loan debt. I have tried to talk to Navient to get these loans discharged several times and they won't budge as well as my my form right against repayment sits in limbo with no one deciding. Meanwhile my student loan gets bigger and bigger and Navient refuses to cooperate.
Company Response:
State: WI
Zip: 54130
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. This debt is not mine and I was given no evidence of this being valid. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. A ccording to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XX/XX/2020 Send a letter directly to the creditor send a letter directly to the creditor XX/XX/2020 Sent a letter to the credit bureaus I also sent a demand to comply letter
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I went to XXXX XXXX and 2015 and I was not told that I had four accounts I was promised employment afterwards and I was provided incomplete information about the loan
Company Response:
State: FL
Zip: 32207
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Dear Support Agent : Thank you very much for your time. On XX/XX/2002 I applied for a Consolidated loan with Navient Loan Servicer. To date, Navient never consolidated the loans on XX/XX/2002, and are billing me for two loans and have named each loan Loan 1-01 Consolidation and Loan 1-02 Consolidation, with two separate interest rates, accordingly. XX/XX/2002 Loan Amount for consolidation : Loan 1-01 Consolidation : Unpaid Principal : ( i ) {$33000.00} Unpaid Interest : ( ii ) $ __ Unpaid late Fees : ( iii ) $ __ Current 1-01 : Unpaid Principal : ( i ) {$100000.00} Unpaid Interest : ( ii ) {$3300.00} Unpaid late Fees : ( iii ) {$710.00} XX/XX/2002 Loan Amount for consolidation : Loan 1-02 Consolidation : Unpaid Principal : ( i ) {$28000.00} Unpaid Interest : ( ii ) $ __ Unpaid late Fees : ( iii ) $ __ Current 1-02 : Unpaid Principal : ( i ) {$50000.00} Unpaid Interest : ( ii ) {$1600.00} Unpaid late Fees : ( iii ) {$450.00} Current balance : {$150000.00} Current monthly balance : {$1100.00} Navient approved the two loans. The first loan amount was {$28000.00} and the second loan amount {$33000.00}. Totaling : {$61000.00}. From 2002 to date, Navient is fraudulently charging me two interest rates on two loan amounts that I consolidated. Help. Respectfully submitted, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I took a XXXX loan originally with Sallie Mae in 1996 to pay for an education at a for-profit XXXX college. The loans were federal loans and had been assigned to Sallie Mae. Shortly after my 6-mo. deferment ended, I was contacted by a representative who advised me that I had several loans and further recommended that she could " make things easier '', by offering 1 payment by combining the loans. I agreed without knowing or understanding what she was entering me into was a loan consolidation that locked me into an 8 % interest rate and precluded me from moving my loans to another servicer with reasonable rates. I started receiving regular calls during the repayment period from Navient recommending deferment, and frankly, it was made to sound like an easy thing to do, stress-free without knowing the 8 % interest rate was compounding daily. Navient would initiate the calls conveniently prior to the end of the deferment period which soon became a bi-annual courtesy call. During this time, Navient took over the Sallie Maes name and I was watching my yearly statements increase like wildfire on the balance of my loans. I had inquired about getting a lower rate, moving the loans, or payment options. Again, I was told, " it wasn't an option, because I consolidated my loans. It was always suggested that I defer for 6mo and " see what my situation is at that time. '' I called Navient in a panic several times as to options for my loans, and the solution offered was watching my balance increase through deferment, repayments that kept increasing my balance or payoff. I started and stopped payments so many times from the increasing payments. I even tried to make the minimum payment with my balance still increasing, this became a vicious cycle. When Navient had settled into its new position aside from Sallie Mae, I started making my student loan payments online, and Navient would take up to 3-4 days to post payments and charge hefty late fees which always posted after the due date. This happened over and over. I called to change the payment due date and it was recommended that I get a deferment on my payments. This became a game of " cat and mouse. '' I have been making $ XXXX payments for the last 5+ years, never missing, or incurred late fees and when COVID forbearance went into effect, my loans were put into forbearance without interest accrual, or so we thought. We later found out that Navient had put my loans into automatic deferment without knowing and the interest had increased, my 5+ yr. consecutive payment history was erased, and I was assessed late fees. This coincidentally happened as I was working on my degree as part of the AUTOMATIC DEFERRAL PROCESS. When I contacted Navient and questioned WHY I wasn't eligible for the Cares Act forbearance, I was told that although I did in fact have Dept of Education loans, they weren't administrating loans back in 1996, Sallie Mae was, therefore I did not qualify. This was after the fact, despite calling Navient and being told Stafford Loans WERE eligible. Throughout the years I inquired about - Public Service Forgiveness ( teacher and non-profit ), refinance options from 8 %, or finding a new lender. I was either told I wasnt eligible for any of the remedies that I inquired about, or deferment was the solution. This has gone on for 24 years. TWENTY-FOUR YEARS!!! I have paid Navient by far, more than their fair share with a XXXX balance left on a XXXX loan. They will have received an 80 % profit on this loan by the time this is all said and done. Unbelievable! I have student loans through XXXX XXXX and NEVER experienced anything like this. Navient has now reached out to offer a NEW REFINANCE plan with their NEW COMPANY offering 3.99 %. I dont feel even close to comfortable doing business with a company that has used me and earned a reputation for this non-sense.
Company Response:
State: TN
Zip: 37087
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: See previous complaint submitted to Navient. THIS IS NOT A DUPLICATE COMPLAINT. The company states " We have reviewed your account and confirmed that we reported your loans in the same manner from XX/XX/XXXX through XX/XX/XXXX, as deferred, based on your Economic Hardship Deferment request. '' This is FALSE. Again, as shown in screenshots of the attached document, Navient reported each month as " On Time '' then changed it, between XX/XX/XXXX and XX/XX/XXXX. Why? I am tired of the lies. The evidence is here. Do they think we are so stupid wouldn't notice? Either update the payment history or admit that they reported incorrect information to the credit bureaus 30 times ( 5 accounts x 6 months ). Please CFPB, do YOUR JOB and force Navient to acknowledge the evidence that shows the payment history was reported " On Time '' and then changed to " No Data ''. If you don't handle this properly, I will go to Ohio Attorney General 's office to contact your agency as well.
Company Response:
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-03
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Navient refuses to take my loan out of deferment. I contact them and request that the deferment be waived and they tell me they will put in the request and that I will be notified when it is completed and then nothing happens and you never hear from them again. You call back and the same process happens again. They never address the issue. They have previously removed the same type of deferment and it was supposed to be noted on my account that I did not want any future deferments that I am working towards PSLF. I'm so tired of fighting constantly with this company that doesn't listen, and doesn't care, and has representatives that are unknowledgeable and who are unable to make changes to your account. They continue to underserve and provide wrong information to people pursuing PSLF.
Company Response:
State: NM
Zip: 87124
Submitted Via: Web
Date Sent: 2020-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A