Date Received: 2023-08-21
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I can no longer participate with my current repayment plan because the Navient student loan services change the terms and conditions. In addition, I was comfortable paying XXXX XXXX monthly but after XX/XX/2023 I need to pay the full amount with no option using forbearance and higher interest rates. These options make it impossible for me to repay the loan back with my current salary.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Sallie Mae never kept track of the partial payments I made from XXXX to XXXX. Sallie Mae never recorded my partial payments and put me in default despite the fact that I made partial payments. Sallie Mae failed to forward the complete records of my payments to the new service providers when they were no longer servicing my loan. Why this complaint is so important : Under the one-time adjustment of IDR-qualifying payments for all William D. Ford Federal Direct Loan ( Direct Loan ) Program , the Department of Education will count any months in a repayment status, regardless of the payments made. I made numerous partial payments over the years and was still put in default. The payments were taken because the checks were cashed. I requested them from my bank, and they no longer had the records due to the 30-year time span. Attempts I have made to get my records : I requested my student loan payment records ( from the Department of Education through the Freedom of Information Act ), made PRIOR TO my XXXX consolidation on loans dating back to XXXX. I was emailed the file of my student loan records. It was incomplete. It only showed my information AFTER my consolidation. I sent two follow up emails to the FOIA office about them not being complete and received a letter saying that those records could be accessed through the NSLDS website. I accessed NSLDS and downloaded my student loan records. They DO NOT show the payments and partial payments I made of my student loans between XXXX and present. Facts : From XXXX to XXXX when I consolidated my student loans, I made partial payments to the student loan servicing company Sallie Mae, and they cashed the checks but still put me in default and sent me to collections. Instead of showing my partial payments, it shows that I was in default. In XXXX when the income-based repayment plans were available, I was never told when I called them about lower payments. My proof of payments being made between XXXX and XXXX : I qualified for federal aid in XXXX when I went to law school. I would not have qualified if I was in default. I was able to determine the following regarding my student loans : I was in deferment ( for school ) between XX/XX/XXXX to XXXX of XXXX ( went into repayment in 6 months later ) and again XX/XX/XXXX to XXXX of XXXX. With the One-Time Payment Count Adjustment for Eligible Borrowers, I should have met the threshold of XXXX credited payments ( under guidelines this would include months of forbearance except for when I was in school ). I made partial payments and/or was in deferment for economic hardship from XXXX of XXXX to XXXX of XXXX ( 26 months ), from XXXX of XXXX to XXXX of XXXX ( 104 months ), XXXX of XXXX to XXXX of XXXX ( 24 months ) and after consolidation in XX/XX/XXXX to present ( 181 months ). I have not been in default or missed a scheduled full payment on my income contingent plan since consolidation. I even paid my income-based repayment all through the student loan halt period due to Covid. In total, 335 months or XXXX years of either full payments, partial payments, or economic hardship/forbearance have been accumulated. I borrowed a little less than {$68000.00}. Because of interest and compound interest I still owe {$190000.00} ( as of XX/XX/XXXX ). Since XXXX, I have not netted more than $ XXXX/year with my lowest yearly salary at $ XXXX/year. I need my payment records from XXXX until present to show the months that should be counted toward my 25-year discharge. I need documents showing dates and payments by each month and year. I need the dates ( month and year ) that I was in forbearance. I have requested them from Sallie Mae but was told the records were sent to the new service provider. I have requested those records from the following service providers, and none have been able to locate them : XXXX, XXXX XXXX, and XXXX. I want my records.
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navient Corporation regarding their failure to update my account information and the inconsistent information provided by their representatives. To provide some context, my account with Navient has been in forbearance for a or XXXX and XXXX, during which I expected my account to be reported as " current '' or " paid as agreed '' on my credit report. However, my account being forbearance due to XXXX XXXX has failed to update my account accurately, resulting in a negative impact on my credit score. Furthermore, I did receive the notifications of any late payments or delinquency on my account. As a responsible borrower, I have always been diligent in managing my finances. It is concerning that Navient did not inform me about any issues with my account, as I have the right to be promptly notified of any changes or concerns regarding my loan. In an effort to rectify the situation, I have contacted Navient multiple times to request that they update my account information. However, during each call, I have received conflicting and inconsistent information from their representatives. This lack of clarity and inconsistency has further exacerbated my frustration and made it difficult for me to understand the status of my account. I appreciate your attention to this matter and I kindly request your assistance in resolving this issue. Thank you for your time and consideration. I look forward to a satisfactory resolution to this complaint. Yours sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT NAVIENT 2 LATE PAYMENTS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$3500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment account Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XX/XX/XXXX XX/XX/XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. PS! THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Company Response:
State: GA
Zip: 31021
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Navient : Student Loan Account Opened without my knowledege Application was sent in before i was i was age XXXX 2 Dispersments were made on XX/XX/XXXX ( right after i turned XXXX ) and XX/XX/XXXX to a account not in my name. XX/XX/XXXX Interest of 50 % of the loan Amount was charged. I tried to get info but I wasn't allowed since i didnt open the loan and payments were being made by someone else. Didn't think anything of it. 4 years later when i was able get information and immedieatly paid off the loan which ended up being the full amount.
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XXXX XXXX XXXX My personal information is all wrong
Company Response:
State: AR
Zip: 72120
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I recently graduated from college my student loans are now through Navient. My partner, XXXX XXXX has student loans through Navient and I am not associated with his loans and am not a contact he would have given Navient. I am assuming that because we live in the same house they have started contacting me to try and reach him. On XX/XX/23 at XXXX XXXX ( PST ) I received a call from a XXXX XXXX saying : " has me listed as a possible contact for XXXX XXXX and I'm trying to get a message out to XXXX but don't seem to have a working number so I was contacting you in the hopes that you might have an updated number or possibly a suggestion on how to get a message to XXXX. '' XXXX has talked with Navient in the last two weeks, they know they have his updated contact information, they have made notes on his account. The information that this man XXXX XXXX left on my voicemail is false. I reached out to Navient and was told by the woman I spoke with that when they can't reach someone they will try to contact the other people listed as family. I am not listed as family on XXXXXXXX XXXX account, and told them not to contact me again.
Company Response:
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I am a public service employee that worked for the State of California. I was subject to many freezes and furloughs that reduced my pay. Navient would steer me into forbearance and recapitalize my interest creating a life of servitude to my loans. They would do so with he promise of bring my account current, yet they repeatedly reported my account as late. This usurious practice and then punishment by credit reporting is an unfair business practice. They can not have it both ways. Although I refinanced my loans into Direct loans, my credit reports still show Navient as reporting my accounts as late.
Company Response:
State: CA
Zip: 96150
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have asked for account information in the past and did not receive all information. Navient is purposely withholding information because they know the debt is not valid. I want an itemized statement and proof the debt is valid and the balance is accurate by producing original loan documentation. This would include the loan agreement from its conception as well as every single monthly statement from beginning to present. That means I want every months statement and its status for that month. All documentation from beginning to present. Thats almost 20 years of statements Ill be waiting for.
Company Response:
State: AZ
Zip: 85338
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Student loan with navient, reporting lates on the co-signer side. But the primary shows no latest. I have reach out on several occasions about this matter.
Company Response:
State: VA
Zip: 23602
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A