Date Received: 2024-01-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Navient was found to have been dishonest regarding my student loan. After XXXX years of disputing it, The Federal Department of Education found against them. Navient was instructed to clear and close my account, which they did. However, they keep the file active in the credit bureaus, which has continued to harm me beyond the XXXX years it took to get this resolved. They should remove any and all references to any loan with them, since they were found dishonest.
Company Response:
State: WA
Zip: 98665
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I missed a payment because I was concerned with the cost of my monthly payment. It seemed to go up quite a bit from the previous month. When Navient called me to collect I asked the rep why has the monthly bill gone up so much from my previous bill, I was told it was due to some federal loans coming out of forbearance. That was puzzling because I get monthly statements from XXXX who processes my federal loans now, and that I haven't been on forbearance since before XXXX. I went back to XXXX XXXX XXXX XXXX and had in school deferment, or so I thought, but was told some loans were in forbearance and that they were collecting dues from both private and federal loans. I said I had no problem paying on the private loans, but that I won't be paying anything on federal loans until I get an explanation as to why they are trying to collect payments on them. This call was on Thursday, XXXX XXXX XXXX addicted XXXX central time.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Navient continues to call back to back every hour on the hour every day beginning at XXXX XXXX and I just received a call today Saturday XX/XX/24 at XXXX XXXX. I have asked them to stop contacting me and my co-signer because they call all day nonstop to the point where we get in trouble at work because our phones are constantly ringing. They call every 30 minutes it seems like. We block one number then they call from ten other numbers. It feels like harassment at this point. I cant even function throughout my day without them calling my phone. Its constantly vibrating if I put it on do not disturb they call until the call goes through.
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: As said, I was set up on a XXXX month payment plan. Initial person was great, my bank card expired XXXX months in so I called back to speak with XXXX who set it up. Called back in a timely fashion the first week of XXXX to give the new bank card information, she was not available. So spoke with someone else at that office and went through the XXXX minute process and verified everything after doing a phone signature and was told its all set up. Now they are harassing me calling from XXXX different area codes across the US. I'm in the hospital and finally spoke to someone and was told the payment 's are invalid and I need to pay now to keep the account current. If I went through that process and everything was verified why 'Invalid ' I'm now in contact with 'Legal Aide '
Company Response:
State: OH
Zip: 44446
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I decided to check my credit report today. Only to find that I am being reported for late payments when I am on an Income based repayment plan. I have been on this plan for the last 12 months which they should not be reporting for late payments on my credit report due to late fees. I reached out to Navient today and spoke with a representative by the name of XXXX XXXX code # XXXX on XX/XX/XXXX. I spoke with her regarding this matter and I was told that I am on this plan until XX/XX/XXXX. I asked for what reason are they reporting late payments when I am on this plan.She then went on to state that it was because of late fees. I stated well that does not make sense. I also asked If I could request something in writing thats states this. She asked me to hold while she checks with the processing department. She came back to the line after 6 minutes stating that department was closed but she will put in the request for the information for me. I went to on to explain to her how that didn't make sense about being reported for late payments due to lates fees. I have done forbearances in the past or any kind of hardship assistance with my loans and they always report it as being in good standing to my credit report. I went on ton explain to her how I am already aware that I am on this plan until XX/XX/XXXX. Then after that I would then determine if I would like to apply for another Income based repayment loan or go with a forbearance. I can also go into my profile with NAVIENT and see that there are sums of XXXX balance due for each month while on this repayment plan. Please look into this matter I have already made a dispute with the credit bureau as well
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I originally had a $ XXXX loan for my XXXX program. This was back in XXXX, and entered repayment in XXXX. I have paid this loan XXXX over and the balance today is over $ XXXX. This is due to fees and a variable interest rate. When I called to try to pay off the balance but at a smaller amount, I was told that Id have to go in default and ruin my credit first. The maturity date of my loan is now in XXXX, which would mean id spend 40 years paying this loan XXXX times over. This is the definition of predatory lending. If this is not addressed, I will be taking this to court.
Company Response:
State: IN
Zip: 46077
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Naivent, has been calling non - stop, I told them to stop & they wont, I co - signed a loan for my son. Somehow they got my wives cell phone number now she isnt involved in the harassment & now they are calling and constantly harassing her now as well she has nothing to do with the loan. I make payments by due date but they keep calling us before the due date. Within a few days of making payments the calls start and they dont stop.Please help us this has gotten way out of control. Please Help Us
Company Response:
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Struggling to repay your loan
Subissue: Bankruptcy
Consumer Complaint: Nelnet and XXXX both have duplicated loans repeated on both of their company and the servicing lender. I have advised to correct, and they refuse to. I Filled a XXXX XXXX bankruptcy and have provided them with records and still ignore. I have also Disputed with Studentaid.gov and under review. Continue to have economic Hardship and loans placed in deferment. Constant interest charges that exceed the original loan amount.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This student loan was taken out to subsidize my plans to pursue medical coding. The dollar amount borrowed was XXXX. In XXXX, unfortunately, I filed bankruptcy, and the loan was put on hold under XXXX XXXXXXXX. Over the ensuing XXXX years until it was discharged in XXXX, interest accrued to the point of doubling the amount owed. I also was granted full XXXX in XXXX by the SSA, however, Navient did not honor it to forgive loan as I was working part time, to help me pay my rent. In the past XXXX years, I have been trying to work with them to pay down my principle, but this has led no where because of the high interest rate incurred up to 14 % +. I am a XXXX XXXX lady trying to hold down a job to make ends meet. This past month, Navient would not negotiate with me for around XXXX, they only offered me a XXXX payment of interest only, now they have billed me XXXX for XX/XX/XXXX and XX/XX/XXXX. Their punitive and predatory practices have left me in a state of unwell. I had to move in the last month as I was displaced from my former residence of XXXX years and my rent went up XXXX to XXXX, plus an hour commute daily to my part time job. Navient will not negotiate with me and have taken a hard line with me, I am under undue hardship, and I need assistance and guidance of what to do.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: The Extended Standard Repayment application produced by Navient dated XX/XX/XXXX was on an EXPIRED AND VOID FORM, which I DID NOT sign. I filed an identity theft case with the FTC because someone submitted this without my permission or consent. * Yet, Navient relies on this fraudulent document and claims I applied for Extended Standard Repayment in XX/XX/XXXX on an expired form that does not apply to FFELP loans, after already being in Extended Standard Repayment for years ( this makes absolutely no sense and only benefits Navient ). There was no change in payment plan, no disclosures provided applicable to FFELP loans when this alleged document was created, and frankly, no authorization to re-amortize my loans. *Notably, this fraudulent XX/XX/XXXX document was suddenly created after I had made an inquiry into my loans questioning payoff calculations. Interestingly, a 2nd fraudulent document ( ISR application ) was created in XX/XX/XXXX I did not apply for either, which is also mentioned in the Fraud Report. Navient admits to the ISR document being false/inapplicable, but not the XX/XX/XXXX Ext Repayment Form. See Navient 's XX/XX/XXXX response attached hereto.
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A