NAVIENT SOLUTIONS, LLC.


If you believe a complaint deserves more attention hit the up arrow, or hit the down arrow if you find it less important.
"Products" offered by NAVIENT SOLUTIONS, LLC. with at least one, but usually more complaints:

Bank account or service - Checking account
Bank account or service - Other bank product/service
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Consumer Loan - Installment loan
Consumer Loan - Pawn loan
Consumer Loan - Personal line of credit
Consumer Loan - Vehicle loan
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Refund anticipation check
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Other financial service - Debt settlement
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Loan

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 3644609

Date Received: 2020-05-09

Issue: Dealing with your lender or servicer

Subissue: Received bad information about your loan

Consumer Complaint: Navient has been the secondary loan servicer for 8 years. Only this year, XXXX, did I discover the misdeeds, mishandling, lies, inaccuracies, that they have done. I was trying to obtain assistance to update my vehicle for XXXX enhancements. I was denied for credit and decided to pull my credit report. I saw there were 5 missed payments on 6 loans. I contacted Navient and requested proof and validation for my loans as I had a loan from an institution I never attended. They never assisted. I asked for documents bearing my signature, they would not reply to request. Upon checking my report I saw why my assistance was denied. I contacted the servicer and asked them to read the notes based on my calls. They stated I called around XXXX about a bill and set up to do a program. They stated I returned the paperwork but that documents were missing, they couldn't verify what document. After speaking to a supervisor they stated I filled out the paperwork but didn't elect a plan. I said how is that possible when you call you select the plan. Then without any letters or calls to me they then placed over 5 missed payments for 6 loans on my credit report in XXXX. I was then told by another rep that isn't the proper steps to handle that. I asked them to send me the application where they claimed I didn't check a box but they have not responded. They never contacted me about the plan or them damaging my credit. They never sent one notice or made one call. The next correspondence was a call from me after I received a bill because I thought my plan had expired. Per their notations I asked to renew my plan and they did. They never once mentioned anything about my previous plan, any calls, or letters they sent stating anything was incomplete or my plan was never processed. They instead ruined my credit. On top of that I learned they are supposed to send you 90/60/30 day expiration letters for plans. In 8 years I have never received one, only bills and I thought that was the way they communicated that the plan was expiring. They told me no. I have my records from beyond 8 years when Sallie Mae serviced my loans. My interest rate has skyrocketed after questioning the representative I learned that they start the clock for programs as soon as you elect it. After 30 days even if it takes them longer than 30 days the plan defaults, you start over and they then compound your interest. Since they have never sent out 90/60/30 expiration letters, by the time they send the bill it's a month before the payment is due so for 8 years they have been doing this knowing that the process for being approved for a plan can take over 30 days thus I will default the previous plan which will allow then to compound the interest then approve me for a new plan and do it all over again. One of my loans is higher by {$3000.00} more than the original amount because of this, yet with Sallie Mae they never engaged in fraudulent tendencies and compounded interest. I complained even for my plan in XXXX that they sent no letters, they have no proof of letters sent to their portal. I only learned this year the way they SHOULD conduct loans and they have not followed that protocol. They have addressed the fraudulent loans by erasing the name of the institution but keeping the loan as valid. These people have ruined my credit, affected my health, they have lied, they have not communicated at all and blamed the reason they did not contact me in XXXX about the supposed lack of a checked box due to not having my correct number or address when I know that was a lie and they were able to send a bill 6 months later and I immediately called. If you review their notes it's always me calling after receiving a bill, not after a notice or an informative letter on the status on any loans. I have gone through the credit reporting agencies, I have even reported that their communication was null on their end and they have not provided any documents. I would love them to produce the original, unaltered documents showing I filled out everything but didn't elect a plan that I called in for. I can not express all that I have learned and how bad and damaging it has been to me, my life, and my credit. I am glad I've learned all that I have but at the cost of me not being approved for a XXXX upgrade. I want proof of validity of my loans and not by erasing institutions. Not by lying about the amount disbursed when a different amount is printed right above it on the same letter. Every student loan website has incomplete information and doesn't position me to sue or provide exact dates or amounts because they themselves don't have it or it's inconsistent.

Company Response:

State: FL

Zip: 322XX

Submitted Via: Web

Date Sent: 2020-05-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 3644266

Date Received: 2020-05-09

Issue: Dealing with your lender or servicer

Subissue: Problem with customer service

Consumer Complaint: I have reached out numerous times asking for copies of every statement since Navient took over my student loan. They only keep a years worth of statements. Despite asking numerous times, I still haven't received them. When I ask Navient about my statements, they either lie to me and say they will send them or lately, they just don't respond.

Company Response:

State: VA

Zip: 22304

Submitted Via: Web

Date Sent: 2020-05-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 3644019

Date Received: 2020-05-09

Issue: Struggling to repay your loan

Subissue: Problem lowering your monthly payments

Consumer Complaint: My name is XXXX and I attended XXXX XXXX 9 years ago and now left in over XXXX in federal loan debt. The school closed down after finishing my program and I never received my diploma nor work in that related field. The school was a nightmare. I also qualified for the borrowers defense application that remains pending in the supreme courts along with thousands of other students in my position.

Company Response:

State: CA

Zip: 90605

Submitted Via: Web

Date Sent: 2020-05-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 3643927

Date Received: 2020-05-08

Issue: Dealing with your lender or servicer

Subissue: Problem with customer service

Consumer Complaint: I'm having a hard time still. I've been temporarily laid off sue to the Covid 19 pandemic. I cant pay my loan right now. I still haven't even been approved for unemployment as of yet. I spoke with someone today and she basically said that someone has to pay it and wouldn't even give me the option for forbearance of any kind. I'm so sick and tired of the rudeness and harassment from this company. I've filed several of these complaints and nothing seems to change. Navient is a horrible company and they bully people. I cant give them money I dont have right now. Period. Oh, and stop harassing my parents too.

Company Response:

State: WA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2020-05-08

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 3643886

Date Received: 2020-05-08

Issue: Dealing with your lender or servicer

Subissue: Received bad information about your loan

Consumer Complaint: XX/XX/XXXX Letter of Complaint Dear Department Manager : I write this letter as an official complaint about Navient Servicing agency. On XX/XX/XXXX, I submitted an application for a XXXX Loan Forgiveness Program as a dedicated public service worker. I have been XXXX for over 25 years and submitted my application as a result of my commitment to the same high school full-time and consecutively, for the last 10 years. By the next business day ( XX/XX/XXXX ), I received this response : " Unfortunately, your request was denied because : As of XX/XX/XXXX, you had an outstanding balance on a Federal Family Education Loan Program loan or Federal Direct Program loan. This loan ( s ) is included in a consolidation loan making your loan ( s ) ineligible for the XXXX Loan Forgiveness Program. '' Because I did not have a clear understanding about why I was denied due to the vagueness of this letters language, I called Navient and requested to speak with a supervisor. On XX/XX/XXXX, I spoke in detail with XXXX ( ID # XXXX ) who was sympathetic by expressing that he understood why I might be frustrated. He also understood that the reason that I did not qualify was not very clear and he could not explain beyond reading these same lines repeatedly several times. He offered to call me back with more details. I am therefore appealing this Loan Forgiveness Application denial for the following reasons : -I have been XXXX full-time at my current high school for 10 years ; -I have been in public service and XXXX for over 25 years total ; -I have been in good standing with consistent payments to Navient for several years ; -It has been emotionally stressful to dedicate my time and profession to work with high school students only to be denied student loan forgiveness after being misled to believe that according to large print, I would qualify for such a programyet according to unclear wording in the fine print terms of the application, I was denied. Today, upon his return call, XXXX spoke with me about an unreasonable option. He stated that I could try applying for the Public Service Loan Forgiveness. At this point, I was in the same place in my conversation as I was with a Navient customer service agent in XXXX. Approximately three years ago, I was encouraged to apply for the Public Service Loan Forgiveness program and was told that I would have to reconsolidate and begin counting my 120 payments again from scratch. XXXX stated that I would have to make 120 consecutive qualifying payments, and I am convinced that this is completely misleading and discouraging. I did not understand at that time why I would have to erase my previous years of public service as a XXXX and making consistent loan payments ; and I do not understand now why I would have to do the same, three years later. Since XXXX, I also have learned that a number of my colleagues in the profession have had similar horrible experiences with Navient as result of also being denied their XXXX Forgiveness Loans applications. I am ready to settle my Navient account once I can have a solid portion of my student loans forgiven, and now is the time to do so. I find it insulting that I have to practically beg for loan forgiveness when I have worked dutifully, tirelessly, and wholeheartedly in a public service industry that is practically forgotten and ridiculed in this country. And especially now, at a time such as this, when as a XXXX/essential worker, I am in front of the small screen in isolation, working for several hours a day with youthfor longer than usual due to the complexities of the Coronavirus pandemic -- via distance learning. Because Navient gave me misinformation, I request that between $ XXXX of my student loan balance be forgiven instead of {$5000.00}. I am also planning to file a complaint against the Consumer Financial Protection Bureau ( CFPB ) and with the Department of Education. If necessary, I will resort to legal representation and a possible class action law suit with other XXXX who have been treated similarly. Sincerely, Dr. XXXX ( XXXX ) XXXX ( My loan is in my name as XXXX XXXX ) XXXX XXXX XXXX

Company Response:

State: NY

Zip: 11233

Submitted Via: Web

Date Sent: 2020-05-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 3643489

Date Received: 2020-05-08

Issue: Getting a loan

Subissue: Confusing or misleading advertising

Consumer Complaint: I received several collection calls from sallie mae regarding the debt owed from the private loans. The time frame was from XXXX. They would call me XXXX times a day asking me to pay back the loan. I would say I did not have the money and they would tell me to ask my parents. I tried to plead hardship because I was dealing with mental health issues and they would just persist even until I cried. I asked them if we could do a payment plan and all they would offer is a forbearance. And the condition was always to pay XXXX or more. They did not explain in detail what it was just that it would hold my position of loan as current. I was not making enough to support myself let alone pay a loan. I had to change my phone number several times. They would call me and every time just make me feel bad for not having it. Then it was sold to navient and from XXXX they attempted to collect by sending several letters and even emailing me in XXXX & XXXX.

Company Response:

State: MN

Zip: 55117

Submitted Via: Web

Date Sent: 2020-05-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 3643450

Date Received: 2020-05-08

Issue: Dealing with your lender or servicer

Subissue: Keep getting calls about your loan

Consumer Complaint: Navient has been calling me for years from different numbers, including after they were blocked. They keep calling for a person that is not me ( I don't have student loans ) I have called them back to let them know they have the wrong person but it seems never to get changed and I continue to receive calls. There seems to be no recourse if they call the wrong person, and even if I was the right person, it seems terrible to be calling that often ( multiple days in a row ).

Company Response:

State: MO

Zip: 63108

Submitted Via: Web

Date Sent: 2020-05-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 3642194

Date Received: 2020-05-07

Issue: Dealing with your lender or servicer

Subissue: Trouble with how payments are being handled

Consumer Complaint: I took out federal student loans in XXXX, then the government unilaterally transferred them to Navient. Now, Navient is telling me I don't qualify for the government-mandated administrative forbearance in response to the Covid-19 pandemic. This forbearance allows you " to temporarily stop making your monthly loan payment. This suspension of payments will last until XXXX XXXX, XXXX. '' But I'm not qualified for this because, Navient says, some other organization is servicing my loans ... even though I deal only with Navient. This is pure fleecing. I took out federal loans. I never had any say over who manages and services the loans. I deserve not to have to pay during this crisis like others who took out federal loans. There must be millions of others like me.

Company Response:

State: CA

Zip: 90403

Submitted Via: Web

Date Sent: 2020-05-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 3641996

Date Received: 2020-05-07

Issue: Dealing with your lender or servicer

Subissue: Trouble with how payments are being handled

Consumer Complaint: I want someone to go through the interest they are charging every month. How can they charge the same or more interest when my balance is lower. Something is wrong

Company Response:

State: CT

Zip: 064XX

Submitted Via: Web

Date Sent: 2020-05-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 3641785

Date Received: 2020-05-07

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: I was on forbearance with Navient and was then never informed that I was off of forbearance. They subsequently reported all 6 of my federal loans as being 90 days late in XX/XX/2019 to the credit reporting agencies, which is false. The attached email shows that I was unaware that my forbearance was taken away until XX/XX/2019 when I was put back on forbearance.

Company Response:

State: NY

Zip: 10003

Submitted Via: Web

Date Sent: 2020-05-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.