Date Received: 2020-09-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On Mon XX/XX/XXXX XXXX XXXX, XXXX from XXXX XXXX XXXX ( a debt collection company XXXX called my brother to collect a debt from me. The Debt collector proceeded to state the last 4-digits of my SSN to my brother to verify that he was me. She agreed to being recorded and I have a recorded conversation of her stating my Personally Identifiable Information aloud over the phone which is a HIPPA violation XXXX attached ).
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: US DEPT ED XXXX USDOE/XXXX XXXX These accounts are reporting IN ERROR on my credit report and i have requested for an investigation into this matter and there has still been no resolution. Please help me. I am trying to purchase a home and this is a huge problem thats stopping me
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I borrowed less than XXXX thirty years ago, and I have paid in over XXXX over the years. This is more than double what I borrowed and they say I still owe over XXXX and are not eligible for forgiveness eventhough I worked over 10 years for XXXX full time. I did not ask for my federal loan to be assigned to Sallie Mae or Navient. I also did not receive the covid deferment as in the stimulus package and the president 's executive order.
Company Response:
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I don't owe this company any money.
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I received a call at XXXX asking for XXXX ; the same man called back at XXXX and said he was Naviet and he was trying to collect an debt ; I have given they my Atty info in the past and now I am receiving 10-12 calls a day. then a 3rd person called at XXXX from Navient. I am being harassed.
Company Response:
State: SC
Zip: 29715
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dept of Ed/Navient has placed a unknown account on my Credit Report on XX/XX/2013 in the amount of XXXX I demand that the account be removed.
Company Response:
State: MO
Zip: 63118
Submitted Via: Web
Date Sent: 2020-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Navient, I have multiple loans through them dating back to beginning payments in 2008. In all fairness, I should absolutely receive credit for paid on time balances dating back to the actual loan originiation date. The last four digits of my social security number is XXXX.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2020-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: For years, I have been paying all of my loans through a single payment. I have three loans. On XX/XX/XXXX, I paid {$1000.00} for my loan payments which is considerably more than the sum of the three loan amounts due. The due date for the loans was XX/XX/XXXX. I have been paying with this methodology for several years. For some reason, this time Navient did not apply this payment to one of my three loans. Upon researching this I have found that they have been charging me late fees for years on loans that I have paid in this manner. Note, I overpay so that I will not be late in future months. Again, they have charged me a late fee. In addition, they have listed my account as past due. I am including three documents listing the due dates of the loans and the payment date. Please note that in the two payment histories I am providing, the dates coincide up to 2016. For some reason, they have no history for one of the loans of any payment for 4 years.It was 4 years ago when they consolidated all of the loans to a single payment. There must be some glitch in their system now. However, I have had other problems with Navient in the past, I am no longer willing to forgive them.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2020-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hi Concerned consumer advocates, I am a victim of fraud to the tune of nearly 5 years worth of timely XXXX dollar payments to Navient while being assured by phone representatives at Navient that I was making progress toward my 10 year PSLF payoff. They advised me to keep making payments and not submit for program credit until the 10 years was complete. I found inXX/XX/XXXX that I was not going to be credited for PSLF service months that I had been making since XX/XX/XXXX. XX/XX/XXXX, when I almost became XXXX because my school loan deferment ended and my payment was listed as over {$1400.00} per month after the XXXX site informed me that Navient was my new servicer as I completed the PSLF pathway per the directions on the XXXX site. Navient told me that in order to reduce my payments and still be in line with PSLF, that I needed to consolidate my loans. I did not know that this reduction in payment was not congruent with the PSLF program, and Navient representatives told me that I need to wait my 10 years before contacting the PSLF representatives. I did not become aware of the fact that the consolidation has to have a letter d in its title until about XXXX of XXXX when I saw the news of all of the people being denied loan forgiveness. They also thought that they were finished only to learn that their loans had been high-jacked into the commercial side and not the federal side of loan repayment plans. It took me until XX/XX/XXXX for my servicer to change from Navient to XXXX. I made 4 payments to Navient during that time of conversion, which are still yet to be credited to my account. From XX/XX/XXXX until XX/XX/XXXX I corresponded with both representatives of Navient and XXXX XXXX XXXX in order to fight to receive credit, but to no avail. Even after I consolidated into the correct loan type with the letter 'd ', made timely payments, under qualifying employment ... I am still awaiting 4 months of credit from Navient who took my paymets continuously yet listed me as haven been under deferred, non-payment status for the 4 months prior to my file transfer to XXXX. I am still awaiting this additional 4 months of credit to my PSLF bank. Someone said that you may be able to help me get credited for this 5 years and 4 months of 100 % timely payments to Navient while they misrepresented my financing, payment status, and all the while I have had qualifying employment and worked with the same company continuously since XX/XX/XXXX at 30 hours per week as a XXXX. Please help me get credited for my payments.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2020-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: 1. I originated a XXXX XXXX with Sallie Mae ( now Navient ) on XX/XX/XXXX in the amount of {$30000.00}. I finally was able to pay off this loan with a balance of {$30000.00} or {$170.00} less than the original loan amount, after making payments for 15 years!!! I tried to understand how my payments were being applied but I could not make any sense out of their explanations! My conclusion - this company is a thief!! 2. My payoff amount sent to Navient was {$30000.00} or an over payment of {$180.00}. In a telephone conversation with Navient on XX/XX/XXXX, I was told this amount would be refunded to my checking account before XX/XX/XXXX. Today, XX/XX/XXXX, I do not have the refund. I called Navient today and was told the refund would be processed in 5-6 days. I do not believe they have any plans to refund this amount! This is more of the same style of service I have received over the life of this loan! It is my opinion that this company is taking advantage of student loan borrowers and is acting in usurious practices and should be charged, at a minimum, with acting in violation of Fair Business Practices. If I follow the payment schedule provided by Navient this loan would never be repaid!!
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A