Date Received: 2020-06-02
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I reached out to Navient on XX/XX/XXXX Requesting for VALIDATION, NOT Verification, asking to provide me with competent evidence that I have any legal obligation to pay them. The information I asked for was : 1 ) What the money you say I owe is for ; 2 ) Explain and show me how you calculated what you say I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4 ) The Electronic signature they claimed I signed, however ALL Electronic signatures has this symbol /s/ on the form, which in the case, Navient forged my name on the Electronic signature application ; 5 ) Identify the original creditor ; Pursuant to the Truth in Lending Act and Regulation Z ; 6 ) Provide a verification or copy of any judgment if applicable ; 7 ) Show me the you are licensed to collect in my state ; 8 ) Prove the Statute of Limitations has not expired on this account ; 9 ) Provide me with your license numbers and Registered Agent or Agent of Service ; AND 10 ) The Form ( s ) 1099 -OID ( Original Issue Discount ), 1099-INT, & W-9 of the account : XXXX. Navient ignored my request. They have reported to the three major credit bureaus invalidated information, destroying my credit. I also requested for Accounting, regarding the list of Collateral or Statement of Account, pursuant to The Uniform Commercial Code 9-210. Navient did not give me full disclosure pursuant to 15 USC 1631, including my consumer rights under 15 USC 1635. Navient prevented me from making an informed use of my credit, pursuant to 15 USC 1601. This account has been securitized without my consent resulting Identity Theft, and Theft by Conversion. This action might constitute fraud under both State and Federal Laws. Since they Reporting invalid information on my credit reports, with the three major credit bureaus, I will not hesitate to bring legal action against Navient for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character 4 ) Conversion 5 ) Identity Theft 6 ) Impersonating The United States government, when you're a foreign private Corporation 7 ) Impersonating a Creditor pursuant to The Truth in Lending Act and Regulation Z ; Impersonating a Bank 8 ) Forgery of the Name Navient failed to respond back to my request. Therefore, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. If not, you leave me no choice but to bring a suit against your organization.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In Spring '19, I last attended Florida XXXX XXXX and I called Navient to inform them that I needed my account on forbearance until I went back to school. I was told on a recorded line that it had been escalated to be resolved. However, in XXXX of this year I saw a very hard drop in my credit scores due to the account never being put in forbearance. I then called and explained I never received any calls, statements or any notice of me being late on any payments, where I got tacked on with 17 late/missed payments. I am beyond upset where now this is causing me financial hardship and I'm unable to attend school at getting a further education where I'm being denied access to funds.
Company Response:
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: After reviewing XXXX credit bureaus. According to account XXXX Navient continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit.
Company Response:
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Thank you for taking the time to review the complaint. After reviewing the XXXX Credit report Navinet continues to furnish negative reporting on credit profile. My paychecks were garnished multiple times and the garnishments cease. Never changed jobs nor changed addresses. This illegal continues to deplete my credit along with creditworthiness. Made several attempts to dispute through credit bureaus with the 623 methods of verification according to FCRA. The reason for complaint, requesting validation of signature and how investigation occurred.
Company Response:
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I filed for bankruptcy, chapter XXXX, and it was discharged. This account with Navient was opened over 11 years ago, and it shows that I owe more than the original loan. I have not paid in years ( since XX/XX/2017 ) This installment loan should be charged off and deleted from my credit report based on the years it has been open and unpaid. Instead it just sits in my report negatively impacting me for years without end in sight, gathering accrued interest. I will never be able to pay this, and do not plan to pay this account. I filed chapter XXXX because of an abusive marriage and divorce, and now am a single working mother with full custody and no child support for XXXX young children. Navient has never been open to working with me in years past to resolve this, so I am asking for it be closed and removed from my report so I can try to clean up my credit and move forward in my life financially.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-30
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: After filing several complaints against XXXX through the CPFB and the the FTC XXXX continues to violate the fcra regarding Fair credit reporting due to the fact that they refused to eliminate and then XXXX collection account done by XXXX XXXX XXXX how to recognize as XXXX as already done that the month of XXXX and any payment being off was already ordered by the president United States to be considered put off due to the pandemic. That mistake just crossed 143 point drop in my credit and severe hardship for my family
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2020-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I would like to file another complaint regarding XXXX XXXX/Navients response to complaints filed by me and my daughter. I am referencing complaint # XXXX. Ms. XXXX basically does a great job of gaslighting our concerns. Our complaints were regarding ongoing misapplication of payments sent in ; her response speaks to too much payment on one loan group paid by my husband and myself and too little paid to the other loan group by my daughter. She is throwing up a smokescreen here to avoid taking responsibility, yet again. The loan group that my husband and I pay is comprised of three loans, ending in the numbers XXXX, XXXX and XXXX. My daughter pays on the other three loans, ending in numbers XXXX, XXXX and XXXX. Per Ms. XXXX response, my husband and I are overpaying but we pay exactly what Navient directed us to pay, {$490.00} per month. My daughter apparently is underpaying, sending {$350.00} per month. Again, this is the amount Navient had directed her to pay. We have paid these amounts for years. I suspect the amount my husband and I pay is too much now, because interest rates have fallen, and this has impacted the amount due. However, it is baffling why my daughters amount due would increase, as the interest rates have fallen in the same exact way for the loans she pays. As far as I know, interest rates are down for all Americans, in all loan types. My daughter has not ever been notified of an increase in her monthly due amount. These accounts were allegedly reviewed last in XXXX, when we last filed formal complaints against Navient, yet this discrepancy was not pointed out by Navient at that time. To further keep the smoke going here, Ms. XXXX never addresses the meat of the complaint. The specific accounts that had payments misapplied happen to be the three loans my husband and I pay on. These are overpaid, so there is absolutely no effect from the alleged underpayment by my daughter, nor does it in any way allow for straightforward misapplication of the funds sent to Navient. In other words, they got their money, why didnt it go where it was supposed to? Not only did they get their money, per Ms. XXXX own report, we sent them more than they needed. This is not logical, just nonsensical, and just gaslighting. I suspect this is corporate gobbledygook, where she just throws lots of words out there, and hopes that no one sees what she is doing here. Ms. XXXX continues to offer us the opportunity to use Navients Auto Pay system, never wanting to admit that the staff at Navient have previously taken more money from my daughters account than they were supposed to. I suppose she thinks we forgot about that theft, but we have not. We, meaning both my husband and I and my daughter, send payments automatically from our own banks. The payments consistently arrive on time, for the amounts that Navient has directed us in the past to send to them. Ms. XXXX fails to address the ongoing need for her to go into these accounts every month to fix the monthly misapplication of payments. She carefully constructs her response to avoid the topic of misapplication of monies and to avoid the topic of how this happens every month. Ms. XXXX also fails to address the problem that historically occurs when she is away from work for a few days, and there is no one to watch/fix the payment application, leading to late fees that then need to be reversed. She put lots of words down, talking about payment due dates, etc. but never addressed the meat of the complaint. I feel very very strongly that this needs to be followed up on. I can not continue to deal with this level of incompetence and deceit. I can not continue to have to rely on your agency to get Navient to address their problem. Keep in mind that this has gone on for ten years, and has never been fixed. Ten. Here we are just now learning that somewhere along the line, my daughters payment amount changed and she was not notified. Here we go again, and in the meantime, Ms. XXXX chooses to ignore the issue leading to the complaint. The issue was Navients misapplication of funds to three accounts paid by myself and my husband with more money than required. Strangely, in reviewing statements, I discovered that a number of months ago, it appears I underpaid. I have never been notified of a change in payment. We need a full audit of this account. I asked for this in XXXX, directly to Ms. XXXX, and got no response regarding this. This absolutely must happen, as according to the statements online, we are going to be hitting just principal after this coming months payments, and I can only foresee having problems with this. There is some kind of nefarious behavior happening here, and without an audit, perhaps a forensic audit, this can not be found out. I want six separate account numbers, one for each loan. This will remove XXXX ability to mismanage funds or perhaps steal them from us. This will be especially true if we are indeed hitting principal, as they will not be able to tinker with interest payments as a way to divert our payments. If it sounds like I am suggesting that they are stealing from us, believe it, I am. There is something very suspicious going on here. I want verification from Navient regarding what I am seeing on the online statement, regarding what is left for interest and principal for each of these loans. I do not and can not trust what is posted online, and perhaps can not trust what Ms. XXXX says either but more documentation is better than less. I want a plan in place for her coverage when she is away from work, so someone is responsible for watching these accounts. I want the name and title of that person, as well as their employee ID number. Since filing my first XX/XX/2020 complaint, I have downloaded statements and have an email from Ms. XXXX, detailing what I am saying here and showing her admission that the misapplication of funds happened in the loans that my husband and I pay, with more than the required amount of money. Because this remains unresolved, in any way and not at all in accordance to my above wishes, I am filing another complaint with your agency in order to address the lack of a response despite all the pretty words she uses, and continue to pursue an end to this. I look forward to hearing from you. Respectfully, XXXX XXXX
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2020-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have reached out to The DEPARTMENT OF Education to change the incorrect information. I was never late 90 days in XXXX because I was and still am a current student. I had a in school deferment at the time. I have sent this information to the credit bureaus and to Navient/ Dept of Education . Nothing has been resolved yet.
Company Response:
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2020-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I got a notice from my loan services stating that I had been entered into an in school l deferment program till year XXXX in which Im currently not in school also with added interest which that mean the correct balance is not showing on credit report nor proper status of loan
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2020-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am following up on the last complaint I filedXX/XX/XXXX regarding the misapplication of my loans. Navient 's response claims that my payments for my loan group, XXXX, covering loans ending in XXXX, XXXX, XXXX are short. They claim that the payments made by my cosigner for loan group XXXX for loans ending in XXXX, XXXX, XXXX are over what is due. They claim their system can't handle the reallocation. They have told us that we either need to pay the exact amount due each month to the loan groups, or pay one lump sum to the account number for all 6 loans. The issue here is that the loan amount due seems to fluctuate wildly, and by as much as {$310.00} in the last year alone. There are loans that don't have a payment due for a couple of months at a time, and then suddenly payments due spike. For reasons I can not understand, it appears that loans have no amount due, are still accruing interest, and then suddenly we owe a lot on them. As you can imagine, trying to set a household budget when a debt payment fluctuates so wildly is nearly impossible. Add to this the fact that the wild swings in payments due do not correlate to any interest rate fluctuation. I ask that Navient provide a full accounting of how and why this happens. I ask that Navient now break out all 6 of my loans into entirely separate buckets so that we may pay each loan individually. We refuse to use AutoPay with them as they have proven in the past to not be trustworthy. You see, Navient used AutoPay in the past to take well over the due amount from my bank account, resulting in direct and immediate financial hardship. That's what happens when you steal from someone that lives paycheck to paycheck. I demand a full audit of my account, showing the breakdown of how each payment is allocated, the amount that goes to principal and to interest, and the actual total loan amount still due. I have asked for this in the past and not received it. I do not believe that Navient is accurately tracking the amounts I owe and is not properly servicing the accounts. I believe someone may actually be skimming off my payments, as I struggle to understand how I have sent the same amount each month for years, and still seem to be owing interest and large principals. Please also note that going forward, this will be the only way I communicate with Navient and its representatives. I have spent a decade being misinformed and lied to. Now all communication will be done in written record with a federal agency. Please also note that I will be following up with the Attorney General of Pennsylvania to provide them documented proof of the above bizarre payment structuring ( and yes, its bizarre. The car loan, 4 credit cards with variable interest rates, and 5 other student loans I've paid off prove this ) as they are currently working on a lawsuit with Navient for the very issues I've had. There is no reason for due amounts to fluctuate to the degree they do with Navient. The interest rates have never fluctuated at such a degree that would call for this.
Company Response:
State: TX
Zip: 78640
Submitted Via: Web
Date Sent: 2020-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A