Date Received: 2020-05-13
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Navient says I owe over $ XXXX dating back to 1986 I asked for proof but no one sent me information about the loan. The Federal loans were {$2500.00} each year, how did the balance go to over {$52000.00} I have been out of college since 1986 ... don't even know if they were mine ... My father paid for the school for me over 35 years ago ... No help from them at all
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I contacted Navient, I notified them that this account was identity theft. I also submitted certified letters, affidavit, police report, driver license, social security card, a copy of my identity theft report, a copy of notice of furnishers, a copy of 605B, asking them to please remove this account from my credit report. I have gotten no response. I have made phone calls and sent follow-up letters. last one sent XXXX/XXXX/20
Company Response:
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I keep paying the same fee in the amount of {$19.00} every month, and sometimes I pay it multiple times due to Navient 's system will show that I owe the fee again even after I just paid it. I have made this same payment sometimes 3 times in the same month, and it will show that I still owe it. I have payed this same amount for years, but in the past it showed only once, so I didn't think anything about it. I just figured that it was a part of my monthly fee. I didn't want anything negative on my credit report, so I just consistently made the payment. I called a representative today XX/XX/XXXX due to I wanted to know what the fee was for, and why did their system keep saying that I owed the amount. I was advised that it was a late fee from XXXX which I found crazy to keep being charged for something that I did not know was owed. This particular amount did not start coming up until XXXX based upon my printout of payments from their site. I was told that the late payment does not go away. I am on an income based plan, and I have been on it since XXXX per the rep. This fee has never been explained to me before, and I never knew it was an issue until I checked to see why this particular amount kept occurring after a payment was made. The rep advised that she had escalated the issue, and that the fee would be removed by XX/XX/XXXX. My issue with the whole situation is that I was making multiple payments on my account thinking that this was a part of a monthly payment when in actuality it was for something else. I was told that my {$19.00} payments was being applied to the interest of my account. I was making multiple payments to my account for something that I did not realize I was paying several times. I hope I have not been charged interest on this same amount that I thought was being paid over all of these years. I was told that late fees were not a real concern for Navient. They use all payments to pay the interest owed to them first, then towards the principal. I have spoken to others from Navient before, and this has never been told to me about this fee that I kept paying over and over again. Navient needs to put on their site on how to make payments for other things owed due to I was unaware that I had to click on the payment site for unpaid fees which I did not know that the {$19.00} was an unpaid fee. I just thought it was a part of my monthly amount that needed to be paid as stated. I also see that I am not the only one who also had this issue. I found an article that someone else had with the exact same issue on XXXX XXXX XXXXXXXX # XXXX
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Navient is continuing to charge student loan interest. When I asked them they said that is only department of education loans. My loan originated from there and I was in default but have been out of default for some time now.
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I have a total of XXXX student loan with Navient. They have talked me into forbearance multiple times over the past 10 years causing interest to continue to accrue in my loan which is now {$200000.00}. My loan amount is now double XXXX being principle and XXXX being interest that just continues to grow month after month. The interest on my XXXX loan accrues at the rate of {$1100.00} per month and they continue to increase the amount owed to my credit reports ruining my credit. I will never be able to afford to pay {$1100.00} a month interest plus try to pay towards the principle. The higher the loan grows because of interest. The higher the interest will accrue monthly.
Company Response:
State: PA
Zip: 17331
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Made several calls XX/XX/XXXX and XX/XX/XXXX that went no where to assist in removing the account. Couldn't get an actual person on the phone to describe my issues and assist. One person would route me to another number then that number would send me to another company but nothing can get resolved.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2020-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Department of Education Navient claims that I was late 1 payment in XX/XX/XXXX and Late one payment in XXXX of XXXX, late 1 payment in XX/XX/XXXX and late 6 payments in XXXX from XXXX to XXXX. This is not accurate. I should be current for all the months as this account is in deferment. Thank you for your time and consideration.
Company Response:
State: NY
Zip: 10034
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XXXX, my Student Loan from XXXX XXXX was sold to Navient. I began making payments and inquired about a Public Loan Forgiveness program. Several times the Agent stated that after 1 year of paying with Navient, I could 'then ' apply to XXXX XXXX and ask for a Public Loan Forgiveness . So, I paid with Navient for a full year. After a year, I called Navient amd askes if I can now transfer to XXXX XXXX and it was like a totally different narrative. The Agent said I did NOT have to wait a year. I could have transferred to XXXX XXXX at any time. He was sorry someone had given me bad information. I was sooo mad! I was mislead. I was given wrong info. that kept me paying Navient for a year when I could have been paying XXXX XXXX and having my payments qualify for the Public Service Forgiveness program ( 120 payments ). I see that a lawsuit was won, and other people had been wrongfully mislead. As a 16 year XXXX XXXX XXXX, I feel I too should be acknowledged as a person who was a victim of Navient. Its fraud plain and Simple! I finally transferred my Navient account XX/XX/XXXX. I have the paperwork. My payments to Navient started over a year before, XXXX. Can your assist me in getting help for this experience? I await your response.
Company Response:
State: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient emailed me in XXXX asking if I needed a forebearance. I replied yes. They are now calling me, my wife, my parents asking for money. I replied to an email from Navient in XXXX asking them to send me any information I needed to make my account current. They never responded. They have destroyed my credit report, and is unwilling to fix it. They keep calling my relatives for information.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navient is reporting late payments on account which are jeopardizing my credit score. My account was not late and I expressed to Navient many times that I am out of work and am unable to make payments in which they promised to defer my payments for the dates that they are reporting as late. The dates that they are reporting late is listed below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I need this removed those late payments are keeping my score low and I am unable to get a job. Thank you
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A