Date Received: 2020-02-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My student loan was with Salle Mae, about 27years ago. I consolidated in XX/XX/XXXX and made payments accordingly. in XX/XX/XXXX I refinanced and made a lump sum payment to Salle Mae for XXXX dollar and another {$2300.00}. to pay off the balance of my student loan. I have had no communication with Salle Mae since then, until 2 years ago i started getting call from Navient saying I was in default and how much money can i pay to bring my account current. of course i did not believe this was legitimate, since i paid off my student loan and did not know of Navient, i thought they were scam calls. The calls still kept coming, when finally i ask for proof. The proof sent to me was a copy XX/XX/XXXX promissory note, which does not prove that i had a balance. I call Navient to explain how i happen to owe a balance after my lump sum payment -they said they would look into my account - i ask for a copy of they account history. I finally got a copy a couple months ago. It show may lump sum payment, but no balance after the payment was posted, but a lot of other charges over the years to the tune of {$26000.00}. I ask how is it that after 10 years they are now contacting about this issue. I have no explanation. I have now contact Navient, XXXX, XXXX, XXXX XXXX. They threaten garnishing my salary, my Social Security, my taxes. but no explanation of the balance which they claim I owe.
Company Response:
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On several occasions I have attempted to come to an agreement for a repayment plan now being in the military and they have explained, " we have no military benefits available ''. Recently I have been redirected on occasion to XXXX XXXX XXXX while attempting to reach Navient. I am not sure if Navient is selling certain loans off or if they have simply created another entity in order to avoid yet another lawsuit.
Company Response:
State: IL
Zip: 60002
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This letter is being sent to you in response to notices sent to / from me from the Dept of Edu / Navient and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that their claim has been disputed and validation was requested. I have asked the Dept of Edu/ Navient to please provide me with the following : What the money they say I owe is for : Explain and show me how they calculated what they said I owe : Provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : At this time, I also informed Navient that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX , XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against them for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Navient provided the following documentation : A statement summary of my account 4 Master Promissory Notes that DO NOT have my signature on them Since reaching out to Navient, action was taken which has been detrimental to all 3 of my credit reports, and I am consulting with my legal counsel for suit. The information provided by Dept of Edu / Navient includes information that is inaccurate and invalidated, but the credit bureaus have been verifying these accounts as accurate, when in fact there is no provided proof that it is accurate. The company Dept of Edu/ Navient has failed to respond to this validation request and the information provided in the Master Promissory Note 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 b ureaus : XXXX , XXXX and XXXX } should be sent to me immediately. I have also disputed this information with the 3 credit bureaus as inaccurate, and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt!
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I have been with Navient for some time. In XX/XX/2017 my husband and I divorced, at the same time my monthly payments with Navient were up for review. They went from {$120.00} to {$900.00}!! I called and explained, my divorce as well as, having a child. They recommended I go into Forbearance instead of working with me to make a lower payments. They would not take into account other bills I pay every month, like daycare, utilities, groceries, car payment, nothing. I ended up in default. In XXXX I called again and spoke with someone, explaining my income, my son and all my bills. I told them I could pay {$250.00} a month. I was told the lowest they could go was {$410.00} and they would not budge. I was flabbergasted and so upset. Here I am calling to MAKE payments and they wouldnt accept them. She told me to go into forebearance and call again in a couple of months. I hung up and cried. I felt and feel helpless. Out of pure frustration, I just gave up and ended up in default again. So, I went back on Navient 's site trying to figure out what I could do. I ended up filling out a form that calculated whether Navient was asking more than I could pay based off my paychecks. Low and behold, they were. I submitted the forms via their process on their website and again was denied, even though this was THEIR formula and their apparent process. I am now sitting here with a 20 year old student load that started at XXXX and is now over 90k, with payments over {$900.00} a month that I will never be able to make and a company who wont work with me. What is someone like me supposed to do?
Company Response:
State: IL
Zip: 61701
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have attempted to set up auto payments with this company and they have cancelled the payments without notifying me. Then when I call to check on the status of my account they tell me that the account is in good standing. A few times I have called to be told that they do not see any concerns with my account at all, only to find out later that that account has actually been sent to the " claims '' department to be forwarded towards default and collections. The representatives hang up on me or drop the call when they say that they are transferring me. I call and am frequently transferred multiple times when there are only 2 departments. I have spoked to 6 representatives in one phone call and received different answers from each of them. When I start to get frustrated, after going around in circles for over 40 minutes, they will disconnect the call. They are disrespectful and do not care about helping me at all. The phone calls that I have now found out have been coming from them, come up as a likely scam call on my caller ID. When I have answered these calls the representative on the phone will not identify themselves as being associated with Navient unless I provide them with my personal information first such as DOB and full legal name. Which I will not do for an individual that I do not know and comes up as a suspicious number. I am tired of dealing with this company. I try to set my account up on auto payment plans but they want to punish me for trying to get a higher education instead of just take my payments. I have also asked to not receive these phone calls during certain times of the day due to my employer having a zero tolerance phone policy. Even when I step outside to take these calls at the risk of losing my job the representative will not work with me. Will not answer my questions, will not confirm who they are associated with, will not advise me of any information. Instead they just demand personal information from me, they can lobby insults at me and sneeringly call me names when I refuse to give them my information until they identify themselves and the company they represent. So often they will just terminate the call. Side note : the questions I am asking do not break HIPPA. I work for a XXXX XXXX company and handle confidential and private information on a daily basis. They are being unreasonable and hiding behind exaggerated legalities to excuse and justify their deplorable behavior. They have also started calling my friends and family in order to get in touch with me. They are mean to my family, they have accused them of lying and will deliberately call at times that they have been asked not to call at due to the risk of my family losing their jobs.
Company Response:
State: WA
Zip: 98204
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Call Navient as I have paid without missing a payment for more than 10 years. I work with XXXX eligible and ask for loan forgiveness. The request was denied as they indicated that their loans are not forgivable. when I applied years ago, I was told with good none missed payment the loan can be forgiven. The only option offered is to get a % of for auto repayment. Incorrect information given when loan was received via Sallie Mae.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-01
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Contacted Navient requesting a Final Loan Disclosure or Regulation Z Disclosure Though email and phone with no response to request Request confirmation XXXX email Sunday XXXX no response XXXX phone- XXXX XXXX no information/response put in inbox with in 24 hours as stated by customer service XXXX email- XX/XX/XXXX - email request- no response XXXX XX/XX/XXXX - just requested information again.
Company Response:
State: FL
Zip: 32159
Submitted Via: Web
Date Sent: 2020-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I called in for Income Driven Repayment in XXXX. I filed for Income Driven Repayment in XXXX and submitted a bank statement as my proof of income in XXXX. I saw that my payments were due on XXXX XXXX ( the date when all of my loans entered repayment ). On the Navient website the bank statement ( which I submitted ) is listed as an acceptable form of proof of income. My written communication from Navient indicates that I needed to complete ( or re-file ) an application for Income Driven Repayment. I called Navient on XXXX XXXX and the first phone representative was pleasant, sent a new application and indicated that she wanted a different proof of income. I never received any written notification that the proof of income that I submitted was the issue, but that I needed to re-file the application. I would have to either : walk ( in freezing weather ) to my rental office or get one from work. I called Navient again after reading on the Navient website that a bank statement was accepted as proof of income. The phone representative debated this fact and asked me to read from the website. As I read the acceptable proof of income, the customer service, the representative admitted that she was not able to read along and could not view or navigate to the Navient site that she asked me to read from. I asked the representative to get a manager. The manager indicated that a bank statement was acceptable when someone was self-employed. I insisted that the proof of income was not rejected in writing. ( And why should I interrupt my work day to get documentation from work when I had already submitted acceptable documentation to Navient, according to their guidelines? ) The due date for my student loans was changed during this interaction with {$260.00} coming due on the XXXX XXXX ( the date that I believe was the date of my last contact with Navient ). All loans were due on XXXX XXXX prior to this call. Either as a result of the lack of job knowledge from the reps and manager or out of malice, this happened. I have not received information or any update regarding my Income Driven Repayment application status. If the bank statement is it not acceptable proof of income, I would like written correspondence from Navient. The phone reps were guessing that the reason why the application was rejected was because I used a bank statement for proof of income. Your written correspondence regarding the application does not support anything that your phone reps said.
Company Response:
State: VA
Zip: 23607
Submitted Via: Web
Date Sent: 2020-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient has begun ignoring the payment instructions I sent them again. The instructions were dated XX/XX/XXXX and were received by them on XX/XX/XXXX. This is the SAME PROBLEM I reported in my previous CFPB complaint XXXX about Navient in XX/XX/XXXX, where they told me and the CFPB that they WOULD follow my instructions. Please see the feedback I submitted to that previous complaint as well, as they are also relevant. As only one recent example, my payment of {$210.00} received by Navient on XX/XX/XXXX applied {$19.00} to Loan XXXX, {$100.00} to Loan XXXX and {$91.00} to Loan XXXX. The amount due on these loans were : {$19.00} for Loan XXXX, {$20.00} for Loan XXXX and {$18.00} for Loan XXXX ( total : {$58.00} ). According to my payment instructions, Navient should have applied my payment as follows : {$19.00} to Loan XXXX, {$20.00} to Loan XXXX and {$170.00} to Loan XXXX. All of the {$150.00} extra principal from my payment should have been applied to Loan XXXX, the loan with the HIGHEST interest rate and LOWEST balance. I have attached Navient 's loan information sheet that shows their miss-application of funds ( {$100.00} to Loan XXXX and {$91.00} to Loan XXXX ) for this example. I've included the relevant payment instructions below that were also included in my previous CFPB complaint against Navient. -- -- -- I am writing to provide you with updated instructions on how to apply payments when I send an amount greater than the minimum amount due each month. Please apply my payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the principal balance of the loan that is accruing interest at the highest interest rate. 2. If there are multiple loans with the same highest interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 3. If any additional amount paid above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the principal balance of the loan with the next highest interest rate and lowest outstanding balance. 4. Do not put any loans into paid ahead status or advance my payment due date. Retain these instructions. Please apply these instructions to all future overpayments. -- -- -- If I have to submit any further complaints about Navient, I plan to ask for monetary compensation for the time it takes to submit all past and future complaints ( about 2 hours each ). This is a ridiculous waste of my time.
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2020-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-01
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Refusing to cease and desist all communication except by us mail. They are saying state law allows them. They are violating federal law. Contacted on XX/XX/2020, XX/XX/2020, XX/XX/2020 multiple times after they responded to my first complaint denying they quit and werent doing it. Please see screen shots of the emails we have exchanged. Im going to sue them for said violations.
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2020-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A