Date Received: 2020-03-17
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: President Trump has DECLARED A STATE OF EMERGENCY AND THERE HAS BEEN SEVERAL STATES THAT HAVE BEEN DECLARED AS AN EMERGENCY AS WELL INLCLUDING MY STATE. I keep getting calls from Navient that I have to repay my student loans despite the Coronavirus Outbreak. The news has been saying that there have been people who have died from this virus and the number of people increase in our nation have been getting this virus. With people dying and losing their jobs along with containing the spread, Navient still insists that I pay these loans otherwise they will take me to court. This is not only unprofessional, but it is highly unethical as my family and I try to survive while not getting this virus.
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I only took out 6 loans total with Sallie Mae of whom is now Navient. XX/XX/XXXX for {$1800.00} PAID XX/XX/XXXX XX/XX/XXXX for {$1300.00} PAID XX/XX/XXXX XX/XX/XXXX for {$1300.00} PAID XX/XX/XXXX XX/XX/XXXX for {$2000.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX XX/XX/XXXX for {$4000.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX XX/XX/XXXX for {$3500.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX ***NONE OF MY LOANS WERE EVER LATE OR DEFAULTED AS THEY WERE PAID OF BY XXXX XXXX IN XXXX OF XXXX I HAVE ENCLOSED DOCUMENTATION OF PROOF OF STATEMENT THAT I HAVE AND THEY ARE TRUE AND ACCURATE.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: On multiple occasions in the past, I have tried to ... 1. ) Lower my monthly payment due to income issues, but was told I had to pay what the payment was set for. 2. ) Make a payment arrangement, but was led into forbearance. 3. ) Remove the co-signer on the loan, but was told I had to make a ridiculous amount of payments first. Also, they never sent me the paperwork for the removal after said payments were made. I also believe that they have charged me late fees that I am not responsible for, and I see payment reversals on my payment history that I know nothing about.
Company Response:
State: MO
Zip: 647XX
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I took out a private loan for XXXX school in XX/XX/XXXX with the loan servicer Navient Private Loan Trust. Recently in the last few years, I became XXXX and I currently receive Social Security XXXX. I applied for XXXX XXXX XXXX XXXX discharge with Navient. I was approved with a physicians statement. Three of my FFEL Stafford Subsidized student loans in which I have a co-signer on were transferred to the co-signers responsibility. There were two other loans in my name only. One loan that was in my name in the amount {$7400.00} of was completely discharged. The other loan in my name in the amount of {$3600.00} wasnt completely discharged. The loan they didnt get completely discharge was waived of all the interest in the amount of {$2300.00} on the loan. However, Navient left a principal balance in the amount of {$1200.00} in which they said Im required to pay. I explained that Im on a fixed income and it is not earned income. Social Security is unearned income. Therefore, my income is {$0.00}. XXXX XXXX, in which I have federal loans with understands when I explained my income situation to them. They applied my {$0.00} income information to my account so that they had it on record. Navient will not apply or even consider the fact that my income is technically {$0.00}. When I asked why I am required to pay my loan that had only the principal balance left without any interest to be accumulated and also interest waived, they said, it just is that way without providing concrete evidence. They said my other loan in my name that was discharged completely was a Smart Option loan and that loan does state if a borrower becomes XXXX and is granted a XXXX XXXX XXXX XXXX discharge, the terms and conditions say it would be granted discharge. I also asked Navient where it states in the terms and conditions of the loan I am required to pay only the principal that a borrower is responsible for paying the loan if granted a XXXX XXXX XXXX XXXX discharge. The customer service representative could not come up with a concrete answer nor provide any evidence to explain. If concrete evidence is not provided or available, then why am I responsible to pay the rest of the loan? Also, on my federal loans with Navient I was not allowed as per customer service to remove my co-signer from my three loans that were instead transferred to the co-signer. If I was to request to be responsible solely without my co-signer, I would be in complete standard repayment for those three loans. I learned you can apply for this removal, but where does it say it can not be granted to the sole borrower and then granted XXXX discharge due to their application approval? I am very confused and would like this situation resolved.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2020-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My son 's student load through Sally Mae now being handled by Navinet has enrolled me in loan deferment/forbearance in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was not directed to enroll in an income driven repayment plan but to keep applying for loan deferment/ forbearance. I am not sure of the breakdown or even if the amount I owe of {$100000.00} is correct. I only signed for one loan in XXXX for a total amount of {$12000.00}. I in attempt to repay this loan now am being told I owe {$1100.00} a month due to high interest rate and number of times I was directed to enroll in loan forbearance instead of income driven repayment plans. I am XXXX years old and this loan will cause undue hardship on me not to mention the fact I feel it was mishandled. XXXX XXXX
Company Response:
State: PA
Zip: 15301
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-15
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have been attempting to work with Navient to obtain a reasonable repayment plan for my student loans. Currently I am under medical/physician care and have effectively been placed on XXXX XXXX. In essence, I have not been released to seek either part-time or full-time employment ( see attached physician letter ). Therefore, I have limited financial resources to pay my debt obligation. I have consistently contacted ( mostly by phone ) Navient to request relief and/or to make payments under the current arrangement. The dates for my most recent phone calls to Navient include, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. Said payment arrangement requires a monthly payment of {$170.00}, which I am unable to manage. When I have called Navient to inquire about alternative options the representatives have literally either told me to liquidate my 401K and pay them {$30000.00} to settle the account or that regardless of my medical situation that the loan has to be repaid. I have essentially experienced extremely rude and uncooperative behavior from the representatives. When I have requested assistance from a manager, the manager only recommended that I seek financing elsewhere to satisfy the debt. Again, due to my medical condition this is not a viable option.
Company Response:
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2020-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: ( 1 ) Navient did not apply the recent payments of {$680.00} of the page 2 of Pre-Lawsuit Letter-Attachment and created a fraudulent statement on page 3 of Pre-Lawsuit Attachment with late fees. See Pre-Lawsuit Letter-Attachment. ( 2 ) In spite of previous five ( 5 ) requests, Navient refused to provide any accounting details how my payments applied after XX/XX/XXXX. ( 3 ) In spite of previous five ( 5 ) requests, Navient refused to correct balance of student loan, as reported to all credit bureaus. ( 4 ) In spite of previous five ( 5 ) requests, Navient refused to provide all texts of my phone authorizations to Navient, since XX/XX/XXXX. ( 5 ) Navient refused to provide legal documents for its Legal Standing to collect payment of my student loan, in view of securitization and resecuritization of student loans. If all five ( 5 ) items are not provided by Navient on or before XX/XX/XXXX, I will be forced to file a lawsuit in Federal Court in Central District of California ( CDL ), XXXX XXXX on or before Wednesday XX/XX/XXXX seeking all damages under the law and attorney 's fees against Navient.
Company Response:
State: CA
Zip: 92887
Submitted Via: Web
Date Sent: 2020-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navient submitted a report to the Credit services XXXX and XXXX that I now am require to pay twice what I actually pay based on their in come repayment plan and as a result my credit score drop over 30 points and disqualified for a loan for a home. I do not think this fair to me. Also, I feel that I am being over charged and am not being properly reported as to how much money has been paid.
Company Response:
State: MO
Zip: 63118
Submitted Via: Web
Date Sent: 2020-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The company Navient is all out of sorts with my loan. They ask me for payments each month that is larger than my monthly income. I have a high interest rate regardless if I enroll in my income based plan or rate reduction plan. Every time I call Navient there is no consistency with my account information and this has been going on since XX/XX/2015 after I graduated. It is extremely frustrating and it seems that they don't care and at this rate I will be paying this loan for the rest of my life. My principle amount does not decrease even though I pay on time every month almost 500 .
Company Response:
State: FL
Zip: 33331
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was denied loan foregiveness even though I have been XXXX for 25 years as a public servent, as Navient directed my loan into an account which is not recognized as being able to be given loan foregiveness.
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A