Date Received: 2020-08-14
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: My loans were delinquent XXXX years ago. They would not work with me. My co signers had to pay to get loan caught up then they lowered the interest rate for 6 months. Now I have reduced hours and I have called them XX/XX/2020 and customer service tells me there is no other options for a reduced payment.
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XXXX of 2016 my student income based payment plan was set to renew at 15 % of my income. I asked Navient if there was a way to lower the payment. They steered me into a new plan that would be 10 % of my income without explaining to me that I would incur {$60000.00} in capitalized interest. I believe I was deceived so they could get more interest.
Company Response:
State: CO
Zip: 80023
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: On XX/XX/XXXX of XXXX I sent letters to all 3 credit bureaus, XXXX, XXXX, and XXXX, and Navient to verify the legitimacy of my student loans. I had issues in the past with my payments being late to Navient and me explaining to them I was paying them within the time frame the told me to yet I still always received late payments. After years of receiving late payments, Navient sends me a letter that they had an error on my account and credited me back for my late fees which amounted to hundreds of dollars and enough to cover several months ' worth of payments. With that being said, yes, I do want to verify the legitimacy of all of my student loans with the original promissory notes. I sent certified copies of my Driver License and Social Security card to all 3 bureaus with a letter request verification of my loans and I send a letter with my account information to Navient requesting the same verification. XXXX responded on XX/XX/XXXX showing that they verified my student loans, however, no documentation was provided to me. They also deleted all my old student loan account history off of my report for my old loans - pre consolidation. XXXX responded on XX/XX/XXXX with the same results as XXXX. XXXX responded on XX/XX/XXXX with the same results as XXXX. All 3 stated they verified the accounts were mine, however, failed to provide proof. Navient responded to my letter with a generic statement that they were not able to consider a settlement for my loans at this time and provided me with my most recent loan balance statement?? I then mailed my 2nd request to all 3 bureaus and Navient again on XX/XX/XXXX of XXXX expressing my rights through Section 609 of the Fair Credit Reporting Act that I had rights to my accounts being verified and documentation being provided to me, i.e. the promissory note for these items to remain on my credit and in my name. Navient responded on XX/XX/XXXX providing me a letter and a copy of my documents from when I consolidated all my loans under 1 subsidized and 1 unsubsidized loan back in XXXX of XXXX. Basically stating this was proof of the origination of my loans. XXXX responded on XX/XX/XXXX stating the same thing that they verified the loan accounts were mine yet failing to provide me any documentation showing I signed for the loans. XX/XX/XXXX of XXXX I send my 3rd round of letters again requesting a copy of the original promissory note. XXXX responded on XX/XX/XXXX stating again that they verified the loan accounts were mine, yet failing to provide me any documentation showing I signed for the loans. XXXX responded on XX/XX/XXXX stating their results were the same. They verified the student loan accounts were mine. Still did not provide any documentation. No changes were made to my report. On XX/XX/XXXX of XXXX I received a response from XXXX stating that additional information was provided from the original credit source and they would be deleting my student loan accounts off of my report. All of my student loans were deleted from my XXXX report. I mailed my 4th response to XXXX and XXXX on XX/XX/XXXX. Providing the documentation provided from XXXX showing they had deleted my student loan accounts and I also wrote Navient back thanking them for the reply and the documentation from the loan consolidation they provided the original loan numbers, and to use those loan numbers to provide me the original promissory note for each one. XXXX responded back on XX/XX/XXXX with the same information. Showing the outcome of their investigation verified the loan accounts are accurate and are mine, yet still failing to provide any supporting documentation. No response was received from XXXX. Navient responded XX/XX/XXXX with a statement showing the balance of my loans and a Federal Stafford Loan Master Promissory Note with my information typed in but no signature and no documentation supporting each individual loan taken out. I mailed my final and 5th letter XX/XX/XXXX of XXXX demanding a credit bureau investigation and again providing a copy of the XXXX report showing the student loans were deleted. XXXX responded on XX/XX/XXXX that I have not provided relevant information to support an investigation. XXXX responded stating the same. They would not do any further investigation without proper supporting evidence.
Company Response:
State: FL
Zip: 33611
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
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 have a loan with XXXX XXXX XXXX XXXX, NAVIENT, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, NAVIENT, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Hello, Navient keeps calling me when I have paid in full my loan. I did consolidate my student loan with XXXX XXXX but about {$700.00} missed on the consolidation. I was working Navient making payments for {$20.00} or more until I have estimated balance of {$260.00}. I did talk with a rep at Navient to make the balance was correct according the statement they sent me. They said yes and I can pay that amount off and my account is closed. I did pay the above amount and wrote a note requesting a closed statement from them. 1. No closed statement received by them to due to COVID -19 2. Paid off in full in XX/XX/2020 3. Received hassling phone call on XX/XX/XXXX saying I still need to pay them. 4. Return the called and they said I still owed them funds. The student loan was consolidated with XXXX XXXX which I have been making Income payments faithful even during Covid-19.
Company Response:
State: OR
Zip: 97140
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: In XXXX president trump put all student loan payments on hold until XX/XX/2020. I havenl 3 loan companies, my federal, XXXX & naviant, the first 2 have deferred the payments & have done as the president ordered. Naviant calls me multiple times a day & emails me also. I have called & emailed them with questions why they're not following the presidents order with no relief or help. The lady on the phone call hung up on me, the emails the lady never answered or addressed the issue.
Company Response:
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: A debt validation letter was sent to DEPT OF ED/ NAVIENT on XX/XX/2020 certified mail, because of upon investigation there were concerns of my student loan account being not valid, because of possible fraud and non full disclosure. So in the letter i requested debt validation in the form of 1. validation of debt- this is actual accounting 2, verification of there claims against me ; that is a signed invoice, 3, copy of the contract signed binding both parties ( XXXX XXXX XXXX XXXX and DEPT OF ED/ NAVIENT ), in a letter by ' certified mail so that there is an independent " witness to have it delivered. '' I have yet to receive a response from them in the reasonable amount of time that was given to them of 14 days.
Company Response:
State: VA
Zip: 22408
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX NAVIENT reported all 3 of my my student loans as 90 days late, when ithey should have been in deferment status ( since XXXX ). I talked with Navient on a few ocassions when they indicated that there was an administrative lapse in the deferment. After initially speaking with Navient,, the account was returned to deferment but they said is wasn't possible to remove from credit report, This school loan is still in deferment. This school loan on my credit report is hindering my last hope to buy a house using my VA home loan benefit because is causes an unnecessary misbalance on debt to income ratio
Company Response:
State: IN
Zip: 46222
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navient is reporting that i have {$5400.00} of new debt on my credit report. I was notified that starting in XXXX that as a presidential ORDER that I was not going to have to make FEDERAL student loan payments. NAVIENT is fraudulently reporting that I am not making payments and my LOAN is not being marked as paid. PER Their letter no interest should accrue so why do I have a new additional balance of {$5400.00} on my credit report since XXXX? This is absolute FRAUD!!!!
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: After being on a income sensitive repayment plan for 15+ years in XXXX I contacted Navient to discuss my options after receiving a bill for 6 times what I had previously being paying. I was told that I no longer qualified for any reduced payment options anymore. The only thing I could do was enter into forbearance and pay what I wanted each month. The forbearance ended and in XXXX again I contacted Navient for support because the monthly payment was again enormous. I sent in my documents again ( paystubs and application for reduced payment ) and again I was told it was not an option for me. The only option I had was another forbearance. I'm nearly at the end of this forbearance and I'm concerned about the same outcome. I believe I have been purposefully misguided. I am a public servant and work at a school. Please help with any guidance possible.
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A