Date Received: 2020-07-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Problems affecting following private loans through Navient ( formerly Sallie Mae ) with associated dates. XXXX Tuition Answer Private Loan XXXX ( 3 derogatory marks ) XXXX Stafford - Subsidized FFELP Loan XXXX ( 3 deragatory remarks ) Issues also affecting Dept Ed loans listed in separate complaint. During the above mentioned dates, I entered repayment for my student loans serviced by Navient without proper written notification. I became aware of my delinquency while checking spam email and immediately contacted Navient in XXXX of XXXX. I was told via recorded line conversation that my billing notification had been switched to paperless billing and had been done via email exclusively. I had never authorized such action on any of my accounts. When I asked when and how the authorization to switch my accounts to paperless was performed, I was given no information and told it had been done automatically. At the time, I relied on paper bills ( and prefer them to this day ) to relay changes to billing statements. When I had reconnected with Navient after reinstating payments, I was unable to receive any requested information from my previous conversation ( who I had spoken to and the recorded file of the conversation ). When I had requested the derogatory marks be removed from my credit history, I was told there was no avenue through Navient which I could pursue to correct the marks. I have challenged the information with credit reporting agencies only to find that Navient had not provided any details regarding the incident. Navient has a history of documented poor customer service, which I have experienced as well. I have had difficulty getting information on programs to assist in loan repayment, ambiguity regarding deferment, and have asked about public service loan forgiveness ( XXXX for 4 years at this time ) only to be told that my loan " does not qualify '' but no additional information on how to roll the loan into an eligible account. Luckily most of these customer service deficiencies have not necessarily affected my credit score, with the exception of the derogatory marks mentioned above. My credit report has 13 late payments in all my years of credit, including with Navient before/since this incident ( 1 legitimate late payment due to a new credit card number issued on an auto loan, and the other 12 from Navient connected to this singular event, 6 on the private side and 6 on the Dept of Ed side ). Without these above mentioned derogatory marks, my credit would be in great shape, and it is time for Navient to finally fix things.
Company Response:
State: CA
Zip: XXXXX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Identity theft and Navient trying to collect on it. Promissory note has wrong spelling of name on it and fraudulent signatures. XXXX Navient and they did nothing about it for two months. Sent certified letters but they keep ignoring it and wont take these off my credit report
Company Response:
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX my student loan repayment was waived because of XXXX. I was placed in a annual review for a number of years. The monitoring period ended and all of my student loans were permanently and totally discharged on XX/XX/XXXX. Credit reporting agencies, do not reflect that all of these loans were previously discharged. Some credit reports show that I'm in the monitoring period until XXXX. The loan amounts are so much higher than when they were taken, because of interest charged during XXXX monitoring.
Company Response:
State: MO
Zip: 63119
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: 1. Navient has repeatedly denied my XXXX Student Loan Application even though proper documentation has been provided and I qualify having worked six ( 6 ) consecutive years in a qualifying school. My first application in XXXX was denied because Navient claimed they could not find the names of my two XXXX on the XXXX directory due to a XXXX name change. I contacted Navient to dispute the rejection and gave them the proper information and they rejected the application for a second time. I received no response for this second rejection. After three weeks I contacted Navient to inquire about the status of the review of my first application and was told it has been rejected, but I received no information from Navient indicating this. I contacted Navient five separate times attempting to gain a specific understanding of why it was rejected for the second time and I received five separate responses from five separate customer service representatives and supervisors. One supervisor indicated I would have to have Human Resources fill the verification out again and list all of the possible names changes the XXXX may have to be able to match it to the XXXX website directory of eligible XXXX for XXXX Student Loan Forgiveness. This updated application with the requested information was submitted on XX/XX/XXXX and a rejection ( the third ) listing the same reasoning was send at XXXX XXXX on XX/XX/XXXX ( Saturday ) even though it contained all of the required information Navient requested. I contacted Navient once again on XX/XX/XXXX at XXXX XXXX and the customer service representative viewed my application and looked up the XXXX listed on the application on the XXXX website and found them all listed properly and could not give me a reason that the application was rejected and resubmitted it for review once again. I have not received a response from this 4th submission of the same XXXX Loan Forgiveness application. 2. At the same moment I received the third XXXX Loan Forgiveness rejection ( XXXX XXXX Saturday, XX/XX/XXXX ) I also received notification that my loan had been placed in forbearance. At no time in the customer service calls did I request forbearance. I did not fill out any applications for forbearance. At no time did a customer service representative indicate that this would occur. Upon contacting customer service on XX/XX/XXXX at XXXX ) a Navient customer service representative indicated that at the time a XXXX Loan Forgiveness Application is rejected the company will automatically put the loan into forbearance without the permission of the loan holder. However, this " automatic '' forbearance did not occur after the first two rejections of my application in XXXX and XXXX. The customer service representative could not explain this discrepancy. Navient 's website also indicates that if a loan is placed in forbearance that the loan holder must wait an extended period before being allowed to apply again. This automatic forbearance policy is in direct contradiction to their policy that forbearance prevents a loan holder from applying again in the near future. I requested that my loan NOT be placed in forbearance, that it be removed and a note indicating that forbearance was at the request of Navient and not myself be placed on the loan information. I also requested information on how to make a formal complaint with Navient itself. The customer service representative ( and myself ) could not find a place for me to submit this complaint electronically and gave me a physical address to mail the complaint. However, she also indicated that this mail is a general mailing address and it would be up to someone in the company to ensure it was given to the correct department and that there was no way for me to submit my complaint directly to any department that dealt with complaints. I would just have to hope the complaint was forwarded to the correct department. Overall, there is a clear problem within Navient regarding XXXX Student Loan Forgiveness. Calls to customer service provides conflicting and confusing information or no information at all. One representative indicated that the problem lie with the institution filling out the application, even though the HR department at XXXX XXXX properly filled out the forms as indicated by the directions on the forms. They also included all of the extraneous information demanded by Navient and the application was still rejected. Several representatives have told me I have all the required information and that they are able to located my XXXX on the XXXX Directory for the corresponding years on my application and they can not tell me why the application continues to be denied. This issue has been ongoing since XXXX of 2020. My XXXX Student Loan Forgiveness Application is submitted below showing all of the information properly indicated and my eligibility for this loan forgiveness. I have also included Navient 's communications rejecting the applications.
Company Response:
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have reached out several times with people who has been calling me about my student loans. I'm unable to get help. I've been told they mailed out paperwork to help me! But I've never received the paperwork. This was months ago and supposedly it has been mailed several times, still not receiving paperwork. I'm unemployed and have no income. I can't seem to get help with payments or any type of adjustment or help. They just want a payment that I don't have. They even asked me if I have a family member who can give me the money. Really! This is not my family 's fault or problem. They state that I need a payment to catch the account up than they can find a program that fits my needs. I'm lost here and Don't know what to do. I guess if I can't make a payment than I can't get any help!
Company Response:
State: LA
Zip: 70380
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am a cosigner on a student loan for my nephew. He seems to have stopped making any payments on his loan. I have contacted him, but have been ignored. Now he has changed his phone number and I have no way to contact him. I received notice on XX/XX/XXXX that the loan was past due but it wasn't too late to bring my loan current. I was struggling to make ends meet at the time due to impact of COVID-19 on my employment. But I managed to make a payment on XX/XX/XXXX. I then called and did a restructuring forbearance of the loan with automatic withdrawals from my checking account. The subsequent monthly payments have been on time. But, then I get my credit report and see that the loan was reported as late to the credit bureau on XX/XX/XXXX. This was almost 2 weeks before the email I received on XX/XX/XXXX that stated the loan was past due but it wasn't too late to bring my loan current. Had I been notified that the loan was being reported, I would have called immediately to discuss any possible option with Navient. I have asked Navient to request removal of the report to the credit agencies, but they refuse. I am working with them and they are receiving the monthly payments, but they are not treating me fairly when I wasn't notified that the loan was being sent to the credit bureau.
Company Response:
State: OR
Zip: 97267
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have 6 different loans with navient that are not being reported accurately dates are XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I called emailed faxed letters to navient these loans were supposed to be in reduction plans and also forbearance and information was not consistent i was told it was being processed and i had to wait.i offered payment and was td to wait and as this happened I was reported late
Company Response:
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2020-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello my name is XXXX. I am XXXX years old and I live in New York. When I was XXXX my older brother and I went to a {$30000.00} College in XXXX called XXXX XXXX.4 years ago I got a job as a XXXX. About two years ago I started getting garnished by a company called XXXX and XXXX for my private student loan which was XXXX. To make matters worse I find out that my brother 's Federal College loan I am being charged for. Navient owns my private student loan which was XXXX and they also own my brothers Federal {$30000.00} student loan but they both are being charged to me. so I'm now being charged XXXX for the private loan ( being garnished for that ) and I'm losing my tax return on for my older brothers federal student loan for XXXX that I didn't co-sign for and didn't have the ability to due to the fact that I was not working and I was only XXXX years old. As for the private loan that I took out for my XXXX XXXX XXXX in XXXX XXXX at XXXX XXXX NY, I could not afford to repay the loan when it was originally obtained. I was misled about the loan. The credit provider knew or ought to have known that i did not understand what was happening and took advantage of me
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2020-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been having this problem for over a year with this collection company called pioneer. They claim that I owe them money, but I am currently paying the US department of education for my loans already. They've asked me to submit payment information, I have. I've sent them images of my paycheck garnishing, and they're still trying to charge me while the Federal department of education is already charging me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34743
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A