Date Received: 2020-08-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am getting frequent harassing phone calls from a company called NAVIENT., I do not know this company nor ever did business with them, nor do they have any reason to contact me for any other reason. I keep getting harassing phone calls from them to call them back, and that I was an alternate contact for them about an outstanding student loan that is delinquent. I did some research and there a federal Student Loan Management company for the US Department of Education and companies and Debt collectors for delinquent student loans and other financial services. NAVIENT Address : XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXXXXXX XXXX XXXX XXXX They keep calling me and harrassing me, to call them back and leaving messages about a delinquent student loan. I never had a student loan nor did I ever cosign for one. I never been to college and no collage can say that I owe them any money or any other education company or any other company for a matter of fact. They are a very shady company buying debt loans and adding Thousands on top of the outstanding balance and then harassing people to pay them for money that they just added on top of another dept. Their website says that their not associated with any other USA company. So why are they in operations in the USA? based in XXXX XXXX XXXX XXXX USA. Another shady foreign owned company allowed to operate in the USA under protection of other sub companies like their shareholder company : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX KY, XXXX XXXX I never took a student loan from any company private or Government runned, I do not owe anyone any money at all for anything. This should make an interesting infestation that dept companies are allowed to add unpayable dept on top of another outstanding dept, that the borrower can not even pay off, and then sending them 100 's of collection mailings and harassing phone calls, and contacting people who do not even know about the outstanding loan or dept that there trying to collect on. Targeting innocent unaware people for money by harassment and threats about repossessing their property when they have nothing to do with the dept, loan outstanding or their company in any way. Or Just because one family member with the same name or different name took out a loan and the other did not know nor ever co signed for it, and do not even live together, or have anything to do with their business they go after family members for the collection of the outstand dept that the person owes. Sounds like a mob operation.
Company Response:
State: MA
Zip: 02128
Submitted Via: Web
Date Sent: 2020-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: My law office has received repeated robocalls from Navient Solutions , LLC, The Caller ID is XXXX XXXX XXXX XXXX. When I called Navient at that number this morning, they were unable to locate a file associated with the number they are calling, XXXX XXXX XXXX XXXX, which is a XXXX XXXX XXXX number assigned to this office. Each call costs us more than a XXXX dollars. We received robocalls from Navient on Wednesday, XX/XX/2020 at XXXX XXXX and XXXX XXXX, and on Friday, XX/XX/2020 at XXXX XXXX
Company Response:
State: CA
Zip: 95966
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.
Company Response:
State: TX
Zip: 77018
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have had the same phone number for over 10 years ( earliest I remember is XXXX ). Over the last 3 years, I have been notifying Navient whenever I pick up that I am not the person they are trying to reach regarding a debt and to stop calling me. My last conversation ( XX/XX/XXXX @ XXXX XXXX ET ) was with XXXX XXXX in their Recovery Department ( XXXX ). I once again informed them that I am not the person they are looking for and to stop calling me. XXXX made a note on the account with my request however there were more people before XXXX who informed me that they made a similar note. I still receive calls. XXXX provided me with Navient mailing address for written correspondence regarding this issue to which I plan to send a cease and desist letter. I am writing to CFPB to address the situation with Navient as I have given more than two opportunities to address this issue. I will send a cease and desist letter through legal representation based on a resolution with CFPB.
Company Response:
State: MA
Zip: 01040
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX, just after completing my XXXX XXXX. I did a 10.5 month XXXX for XXXX under a XXXX XXXX program through a XXXX XXXX XXXX XXXX called XXXX XXXX XXXX. This company provides veterans with an opportunity to gain experience in XXXX XXXX to hopefully gain a career in the field of XXXX XXXX. My service with XXXX was from the dates were from XX/XX/XXXX to XX/XX/XXXX. During this public service for the United States, student loans are supposed to be placed in forebearance while doing the service. I properly filed my paperwork for this for both my student loan companies at the time, XXXX XXXX and Navient. XXXX XXXX properly accepted my forebearance request with no issues. However, Navient harrassed me and refused to accept my request even after repeatedly sending them the proper paper work. Keep in mind that during this public service, I was being paid a government stipend pay of just over $ 1,000/mo and living in government housing on XXXX XXXX XXXX XXXX . In XX/XX/XXXX, while I was in my service, Navient inappropriately reported me as 90-day late on my student loans. Since student loans create multiple accounts, this has placed seven 90-day late reports on my account. I complained to Navient verbally and they refused to remove my late payment. I have reported this through multiple credit reporting agencies to attempt to correct this and Navient refused to accept my request. I have written a letter to Navient explaining the story and providing them with my service letter from XXXX and Navient has refused to contact me or remove the late fees from my credit report. Navient 's acts are inappropriate, inmoral, and an act of negligence. Even though I am a veteran of the United States who was just trying to do public service for their country, Navient purposely went out of their way to try to hurt my credit score, which has impacted me strongly as it has reduced my credit score and has prevented me from receiving personal loans at a fair rate. Navient has no reason or excuse to refuse to except my request to remove the seven 90-day late payments from my credit report. I believe that this act my Navient is inexcusable and an act of treason to the United of States of America. The US Congress designed XXXX and created the Corporation for National and Community Service, an independent federal agency created to connect Americans of all ages and backgrounds with to give back to their communities and their nation. The intention of Congress when creating this program was to provide forbearance to those who participate in this National Community Service program so the ones that do participate in the program are not harmed financially. This program also provides those who are disenfranchised opportunities to gain critical skills important for finding well-paying careers, which improve the lives of Americans and their communities. I am certain that if any congressional member knew that a veteran was being hurt by Navient on a federally backed student loan while participating in the XXXX program, Navient would have to answer for this act. I am also certain that I must not be the only veteran that Navient as commited this act to. I hereby, request that Navient remove my seven 90-day late payments within 60-days of this formal complain. If Navient as not removed my late payments by XX/XX/XXXX, my next step will be to send my formal complain to multiple members of Congress.
Company Response:
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was eligible for the PSLF program. I was misinformed multiple times regarding this program by Navient. They told me I was on track with my payments and was eligible for the PSLF but that I didn't need to apply until 2017 for the PSLF program. When I applied in 2017, the PSLF program told me I qualified for the PSLF but that none of my payments I had been making from XXXX qualified because I didn't refinance my student loan through XXXX XXXX. I was never told this by Navient. I spent 7 years paying on student loans that I was led to believe on multiple occasions went torwards the PSLF forgiveness program. I was told multiple times when I called Navient that my loans were on track for the PSLF program. I was never told at anytime by Navient that I needed to refinance through XXXX XXXX in order to have qualifying payments. I am now stuck with the remainder of my student loan that was supposed to be forgiven because I took a lower paying public service job in order to qualify. It will take me many years to try and pay this off.
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Navient you currently sent me a threatening letter stating your going to sue me if I closed the account in my name. My answer is Identity theft. The procedure to filing identity theft is to notify the company of identifying theft and have the account closed. This is my notice to Navient close the account and send me the Identity theft package.
Company Response:
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Trying to establish payment plan based off of income and student debt payments. I continuously submit the appropriate paperwork ( income amount and frequency, other debt payments, and proof of payment relief, etc. ) but they just keep rejecting the forms. These are also the exact same forms I submit for another loan I have with them that they have accepted.
Company Response:
State: IA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As of today, Navient is continuing to report on my XXXX credit report 3 student loans that were included in chapter XXXX bankruptcy in XXXX as having balances and in charge off status ( the other bureaus have deleted or corrected this info ). I have notified Navient and they have closed out my disputes as duplicates in error without addressing the issue related to my bankruptcy filing in XXXX. The issue that I reported previously regarding these loans was in regard to the original delinquency dates, which is another matter. Regardless of the original delinquency date dispute, these loans were included in bankruptcy on XX/XX/2019 and discharged on XX/XX/2019 & Navient was obligated at that time to report a XXXX balance on all of the loans they held at that time and stop reporting charge offs. Not only did they fail to do so, but I have now notified them a total of 5 times in writing that they have ignored. I need this immediately fixed on my credit or I will file suit within the next 14 days. These are old accounts that should not be reporting any activity since the bankruptcy. I do not agree that I owe this debt and nothing in this correspondence is an acknowledgement of any debt.
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient bought my student loans in XX/XX/2019. They did not contact me to let me know they were now my loan servicer. I kept calling my previous provider, XXXX XXXX XXXX, and all they would tell was that my payments had been suspended. I could not get a straight answer. I thought there was an issue with XXXX XXXX so I kept trying to contact them. I finally found out in XXXX that Navient had actually bought my student loans when it showed up on my credit report. They never called, emailed or mailed me any information letting me know they were now my servicer. My credit report isn't even correct. They have me listed as making payments in XXXX, XXXX and then XXXX says I am 90 days delinquent. If they had just contacted me then I would have paid them.
Company Response:
State: TN
Zip: 38111
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A