Date Received: 2020-07-01
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Customer service does not correlato with the loan department with consolidation methods. Just recently I filed a consolidation request with US Education Department to consolidate my student loans under XXXX XXXX so that XXXX XXXX would become my only servicer for my student loans. First Navient took its time in providing XXXX XXXX pay off information, allowed someone to change my change my address on my account Nd sent me sn email of an address change ; and sent me sn email that my forebearance period woukd end next month knowlingly that the consolidation and playoff process with XXXX XXXX was to take place this month. Previously before the address change had taken place, I sdvised Navient that my account had probably been compromised via XXXX breach, and Navient ignored my request to protect my account.
Company Response:
State: TX
Zip: 77087
Submitted Via: Web
Date Sent: 2020-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: During the month of XXXX, 2020, I enrolled in XXXX college to obtain a XXXX XXXX XXXX. I contacted Navient to discuss an XXXX deferment for my loans. In this phone call, I was informed that I was eligible for complete deferment of my private loans for the duration of my enrollment. I was told to send a letter to Navient confirming my enrollment, which I did. When I checked my account several weeks later, I noticed that I still had a payment due. I called Navient again, and customer service informed me that the due payment was a mistake and removed the notification from my account. Several months passed and in XX/XX/2020, I received another notification that I had a payment due. I called Navient yet again, and this time, I was informed that I was behind on payments for several months. I informed them that I was told this was not the case and that I was in a deferment. Upon looking into my account, the representative this time informed me that I was never in a full deferment program, but a deferment program that moved my payments to interest-only payments totaling around $ XXXX month. I explained that I had called several times and was told that my loan was in a full deferment program. I expressed my confusion about this, as my previous rate-reduction program had set my payments to $ XXXX month. I asked simply, " Why would I choose to enter a payment program that pays interest only and increases my payments while I am paying for school? '' At this point, I was told that I had authorized a previous representative to cancel my rate-reduction program in favor of the interest-only program, which I had never done and was never informed of. I asked if I could, at least, return to my previous program, and I was informed that this is impossible because I cancelled my program ( which, even if I had cancelled it, I would have done so because of wild misinformation regarding the deferment program on multiple occasions ). I asked what my options are, and I was told several times that I have no options but to make all of my " late payments '' that I " owed '' for the several months that I was supposed to be in a full deferment program. Since these conversations, both me and my co-signer ( my XXXX-year-old grandmother ) have received upwards of 15 phone calls per day, each, from Navient. This is merely the most recent in perhaps a dozen other times I have been grossly misinformed by this company in a way that has negatively impacted and damaged my life and my credit score while creating undue stress and enduring harassment for both me and my grandmother.
Company Response:
State: AZ
Zip: 85013
Submitted Via: Web
Date Sent: 2020-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Navient I am sorry you misinterpreted my previous complaint. I requested Navient to send me a copy of the XXXX federal consolidation loans in XXXX that appear on credit report. My credit report contains XXXX federal consolidation loans. With an amount totaling over {$100000.00}. I contacted the federal government. They wrote me back and stated this. In XXXX I had a bankruptcy. Your student loans were not in default. So they sent my student back to XXXX for automatic repurchase in which XXXX complied. Then in XXXX XXXX lost their license to consolidation of federal student loans. As of XXXX XXXX is a private lender of student loans. Then I sent the contract Navient sent me for over {$49000.00} in student loans to the federal government then they wrote me back stating the FFELP Consolidation loan of XXXX they knew nothing about the consolidation loan of XXXX nor could XXXX write a federal Consolidation loan in XXXX due to no license with the federal government. The federal government stated as of today I do not owe on any student loan with the government They also stated no one never purchased my student loans. In XXXX Navient was formed aka SallieMae and that the transition did not go well documents were lost and forged. So they told me to ask Navient to send me a legal contract of a Consolidation FFELP student loan with XXXX in XXXX so they can review both license of XXXX and Navient. Third request. Also I am asking Navient did you purchase my student loans and if so send me the chain of custody. Navient did you turn my student loans into private student loans?
Company Response:
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2020-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: XXXX XXXXXXXX College in XXXX XXXX, Florida charged me an extra {$2500.00} that i didn't owned. I was in my probration period and I withdrew at that time. Also Navient keep raising my interest on that loan also the others. I lost all my income due to the pandemic. I need help. I have exhausted all my options.
Company Response:
State: FL
Zip: 34983
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There should be no late payments in XXXX. Tried to talk to the Department of Education but they are not taking any phone calls.
Company Response:
State: IL
Zip: 62521
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: For the past two or three years I've been on the income based repayment program which makes my payment {$0.00} dollars a month. I am still being billed for {$310.00} a month for unknown fees. I've tried calling but I never get through to anyone. I've been receiving this bill for two years now Starting XX/XX/19 to current. I don't understand what its for and why I keep receiving it.
Company Response:
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: In XXXX, I filed bankruptcy due to job lay off and insufficient funds to cover household expenses as well as personal expenses. I luckily got my job back a year later working for the State of Connecticut, therefore qualifying for student loan forgiveness after 10 years. I have been in loan repayment for two years now and was told all of my loans were accepted. I have been faithfully paying {$220.00} per month ( they calculated that based on my income ) and out of nowhere just yesterday my father ( who was the co-signed on a private student loan in XXXX ) got a letter from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX demanding that he pay {$5000.00} for a private student loan. 1. I never received any phone calls, letters, or emails prior to this informing me of any leftover, unpaid student loans from Navient and all of a sudden a law firm is trying to get money from my father who is the CO SIGNED not the loan owner. How is this legal? I was never confronted by Navient, never even given the chance to arrange any type of repayment with them. I don't understand how this could be legal. Aside from the fact that I filed bankruptcy 2 years ago. I understand federal student loans are not discharged but what about private loans?
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: They just told me that over XXXX dollars in interest is added each month I don't make payments using a forbearance method. The is the first time I have ever heard of this ASTRONOMICAL greed bearing statement.
Company Response:
State: NC
Zip: 27401
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Five years ago, my husband and I applied for the Forgiveness program through Navient for our student loans. We were told at that time that if we make 120 consecutive payments that the balance would be forgiven. Four years into the program, we called to check and make sure we were on the right track because we were going to retire and planned that this loan would be payed off after 120 payments. Upon that call, they informed us that we were not on that program and were given misinformation and that it would take 25 years to pay off our loan. Well after we retire. We would have done something else five years ago if they had not given us misinformation.
Company Response:
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: After paying Sallie Mae for 7 years, I was told my loans were consolidated. I received a phone call at my job, at the time was XXXX XXXX XXXX in XXXX, IL. A creditor had called saying I had not been paying any of my debt towards my loans. I also went to three different colleges. My loan councelor explained to me all I had to do was change the school code per school so my loan with sallie mar would transfer. Also, every quarter, there was always an issue with some type of information missing to continue my loan. I remember every new school year, I had to give them a copy of my birth certificate and social security card. When I was a half way thru my junior year of college in XXXX, sallie Mae had given a quiz letting us know the information of our student loan. The interest had changed from 6 % to 11.2 %. As a student who did not know or understand any of these terms, I just agreed to them fearing my loan would be terminated. There were three options after you had taken the quiz : yes, I understand the terms and continue my loan. Yes, i understand the terms but do not agree ( termination of loan will begin ), and no I do not agree and/or understand terms. I was a year and a half away from graduating. Why wouldnt I agree? The pressures as a college student and failing your parents were there. So I agreed just so I would finish school thinking I would be making enough money to pay them back when I had a career. Fast forward to 7 years later. I also tried getting a car by myself and when they pulled up my credit check, the dealership Had showed me that they would not except me because I had over 20 loans out in my name. I had said that Hass to be a mistake because I would never do that. When I have looked at the list that is when I saw that Sallie Mae had dispersed my loans per quarter instead of per year or per school. I was so beside myself. After all these years I have been paying the payments of a consolidation I was upset to know that I still had at least 20 other loans that had not been getting paid. I felt like my world is crumbling because now this would for sure be affecting my credit and as a XXXX-year-old, I knew I was already worried about my future. I was scared I could not get a car payment or mortgage or any type of loan without a cosigner. Becoming an adult how would I be able to live how would I be able to do anything by myself? I felt like this was a burden and I was completely embarrassed. When I was a XXXX in college when I finally understood what the terms meant for the loan of Sallie Mae, if I knew what was I getting myself into I would have never have signed these loans. I would have never gone to college or have chosen the college that I went to. I would have never signed OK or even let my parents cosign to these loans. I felt like the pressures of college as an XXXX-year-old they forced you to go to college and force you to go to college that you could not afford and forced you to sign a loan that you didnt even understand. You were scared as a teenager and if you didnt go to college you were a loser. I am now XXXX years old and I am making payments through a creditor who automatically takes 10 % per paycheck for the past three years. 10 % of each paycheck equivalent is equivalent to $ XXXX {$800.00} a paycheck. I recently did a credit report and now it looks like there are still student loans I still have not paid. I feel like I am underwater and I can not get a head. And as Ive done the research basically all these years there is nothing I could do to get ahead because everythingI was a scam
Company Response:
State: IL
Zip: 60061
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A