Date Received: 2020-07-26
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: Navient Deceptively continued collection and reporting efforts on this unvalidated debt after my formal dispute notices requesting validation of debt between Navient and myself were not substantiated by Navient. Navient seemed to have purposely violated the FCRA 623 ( a ) ( 3 ) legal regulation that states Disputed Information Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. FCRA 623 ( a ) ( 3 ) They have violated since XX/XX/2020, and remain in violation. It appears that Navient may have deceivingly and purposefully kept from reporting this Validation Dispute Claim in an effort to show the account in question as default instead of an account in Formal dispute by reported debtor. This way they could sell off to the debt to the new collector that purchased the Debt XXXX without having to validate the debt prior to selling to XXXX. A company whos unable to prove any standing contract relationship/obligation between debtor knowingly can not enter into a sale of debt to a new agency. This makes their sale/transfer of debt invalid and unbinding. Navient, and all 3 Credit Bureaus violated the above mention code, and I will be taking action against Navient, XXXX, XXXX, and XXXX for not following the guidelines set forth by the FCRA to protect consumers like myself in these very situations. XXXX has now purchased this debt and forwarded debt collection notice without having any valid contract between Navient and myself for this debt, and they will also be included in my action as the above named companies. It stands as further proof the the ongoing business practices of Navient have been placed into question for legal and unjust practices by countless victims as noted in there NR rating by the XXXX XXXX XXXX as there are government actions pending against Navient. That speaks to some of the very same illegal business practices Ive experienced with this entity, and Im unsure why the CRAs who are supposed to be transparent in reporting went along with this violation in their non-reporting of my dispute. I will move forward to file Claims violations on Navient and the Credit Reporting Agencies for damages caused by their negligence. As the consumer I disputed the validation of debt with each of the Credit Reporting Agencies. XXXX and XXXX responded, but took no action on my dispute verifying with no proof as Navient was unable to provide me with any validation of contract. XXXX did not Respond within the 30-45 days mandated by FCRA ( Disputing No Response ). As of XXXX XXXX XXXX confirmed receipt via Certified USPS of my Affidavit of Violation for Non-Response, and request for deletion. All 3 CRAs continue to report Navient on my report without validation, and did include Consumer Dispute on any of the reports after my dispute for Validation on received by Navient on XX/XX/2020 via Certified USPS mail. This has caused financial damages, and I will be seeking remedy on these violations from all the companies involved. XXXX has now purchased this debt from Navient who was not a valid holder of the debt, and have begun collection actions- I've advised Any reporting, collection action or inaccurate filling on this debt after receipt of my Affidavit of Dispute received by XXXX via Certified USPS mail on XX/XX/2020 will also be met with similar actions administered above as these will be in direct violation of FCRA XXXX Also the illegal action in this debt transfer/sale invalidates any direct ownership of this debt by XXXX. I will also like to put on notice that any future reporting by any company of this mishandled account from any entity will be added to the actions taken above under the FCRA..
Company Response:
State: NJ
Zip: 08096
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I explained to navient that the student loan in which they're saying I owe money on is no way my student loan I was XXXX since 1995 along was taken out during my XXXX it is not my fault they gave this child alone and on with it saying I was responsible for the law says a person XXXX can not obtain any loan I've explained this to navient over and over again I've set them letter stating that I was XXXX at the time in which this long was taken out but they will not remove this loan from my credit and it's hurting me and my family now after doing 20 years in the penitentiary and I'm trying to buy a home and it's hurting me I need some help with this I need somebody to get in touch with me and help fix this matter thank you
Company Response:
State: NY
Zip: 11520
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: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I am writing to request assistance regarding my student loan. My student loan started in XXXX at XXXX and is now over XXXX. My current payment is over XXXX. Since XX/XX/XXXX, I have paid {$4400.00}. Out of {$4400.00}, only {$310.00} has been applied to the principal. There is no way that this agency or Navient, can think that is fair or acceptable. At some point, there should be an acknowledgment that this should not be allowed. When I was struggling financially, I was never told about income-based payment plans. I was always placed on forbearance. I filed for bankruptcy in XXXX and the loan was not included. I am asking for assistance in either loan forgiveness since I have been paying for over 25 years or loan reduction. Thank you in advance.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2020-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I took a loan out for XXXX in 2010. My loan has more then doubled in 10 years. It has been hard for me to make payments when every month it keeps going up higher. I feel like I ha e been taken advantage of.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Navient has been reporting so many outstanding accounts and balances to all 3 credit bureaus, XXXX, XXXX and XXXX. I have reached out to Navient on several occasions to find out why my balances continue to reflect negatively and continue to increase drastically. I received an alert from XXXX XXXX that my score decreased because of this. When I contacted Navient, I was told that my account was months past due for nonpayment. I asked when the account went into repayment status and why I wasn't sent any notices in the mail. They advised me that they'd been sending everything via email and calling the references listed on the account. I advised them that legally, they were supposed to contact me via US Mail as well. The rep confirmed that they could see that I hadn't signed into the online Navient portal in over 5 years. I requested that they remove all other names, phone numbers, emails and contact methods that they had listed on the account for me. I asked them not to automatically add any additional phone numbers that I might call from without my permission. I asked them to only send correspondence related to my loans to my mailing address. I requested that they send me all of my loan accounts and the originator of the loans. I asked them to send me all loan contracts that had ever been initiated with them which includes the school, start date, amount and terms. I asked them what my options were for forbearance, hardship and deferment. They ignored all of my requests and continued to send correspondence via email even though I advised them that I didn't have internet service at the time. They started harassing and calling everyone 's phones who I had previously contacted them on even though I told them that I didn't have active telephone service at the time. I also told them that the numbers that I was calling from was not my numbers and not to add them as contact numbers for me. They have not sent the files for my loans. They denied my request to start hardship deferment. My rights and requests were ignored and violated. Every time I call them, they add the phone number to their contact list and begins to harass and call the person 's phone as early as XXXX XXXX and as late as XXXX XXXX. They call more than 3 times per day.
Company Response:
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: After national emergency forbearance went into effect, Navient reversed my student loan payments that I tried to make. I made payments on XX/XX/20 ( {$540.00} ), XX/XX/20 ( {$670.00} ), and on XX/XX/20 ( {$670.00} ). These reversals followed a successful payment on XX/XX/20 ( {$540.00} ), which resulted in full repayment of one of my 5 loans. I contacted Navient and they responded, letting me know that my bank declined the payment. They suggested that " usually a number has been entered incorrectly. '' I contacted my bank ( XXXX XXXX XXXX ) and they indicated that they had no record of these transactions. My transaction history does not indicate any payments or reversals. I find Navient 's explanation to be suspect - my bank account information has been stored on my account with them for years and I am on an autopay system. No information changed. I suspect that this may represent a craven attempt to prevent repayment of the principal of the student loans during forbearance. Navient offered an address where I can send paper checks to pay. If this problem persists then I will pursue this option. I wanted to submit a complaint in case this is a widespread practice, in which case Navient should be held accountable for this.
Company Response:
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2020-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX keeps calling me
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: 3 years ago this company kept calling.. looking for a XXXX XXXX XXXX I told them they had the wrong number. In the last 30 days they call a minimum of 3 times per day. My VOICEMAIL clearly states my name ( its not remotely close to XXXX XXXX XXXX. I have recorded their communications and call logs.
Company Response:
State: IL
Zip: 60074
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
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 see multiple 90-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: TX
Zip: 77040
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A