Date Received: 2020-01-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient is my servicer and has misapplied my payments repeatedly. I have been adding an extra {$50.00} a month to my loan with the lowest balance. Their website allows you to direct extra amounts to the loan you choose but they were taking my extra money and allocating it differently than what I directed them to do. I contacted them, thought it was fixed then it appeared they started adding my extra payments to future monthly payments instead of the principal. I contacted them again and thought it was resolved and now for the third time, their website is telling me I don't have a payment due for 2 months in a row on one of my loans. Clearly they are misapplying the extra funds again because there should be a full amount due on both loans every month. I never have directed additional funds toward future monthly payments. I'm fed up with this service.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am the victim of identity theft, someone has taken a student federal loan out using my information. Back in XXXX location XXXX Virginia, I have lost my purse, which pertained my social security card, credit cards, I.D, and other important information, it has been a few days since I've discovered purse missing. I have learned about fraudulent loan whenever I checked my credit report back in XXXX of spring, I have discovered there's over {$85000.00} in student loans taken out since XXXX, this discovery was very surprising and upsetting, I have filed a police and FTC identity theft report and contacted all 3 credit bureaus to dispute false accounts, after explaining and sending them supporting documents, all 3 credit bureaus has cooperated by deleting loans off my file within 30 days, I have contacted Navient to report fraudulent accounts ; I have explained what happened and confirmed with them I am not the account holder of loan, I have also sent police report via mail along with other supporting documents, within 30 days Navient sent me a letter stating they were unable to confirm my claim of identity theft on loan, I have never been so upset. I've also explained to Navient that I've tried calling XXXX XXXX and received a busy tone, along with research school and discovered school no longer exist and that it's not accredited, not only do I have student loan taken out in my name, but the school does not exist! that's insanity. Navient and XXXX XXXX has destroyed my life, I just want this issue resolved, so I can get my life back. please help me
Company Response:
State: LA
Zip: 70005
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: According to the federal student aid US Department of Education I have 27 loans out. From XXXX to XXXX all of my student loans taken out where used at XXXX College in XXXX, MI but they say XXXX college XXXX MI I never attended this campus in any way shape or form. in XXXX some of my loans where Consolidated I never asked for this to happen but navient did it anyways In XXXX I attended XXXX University and then in XXXX XXXX University closed and where later sued for various reasons some of those reasons included that they lied to their students about enrollment about falsifying accreditation and things such as that. so I'm asking for my student loans to be forgiven and that was to be taken off of my credit score as well as those loans to be XXXX out and to be taken off my federal Aid list completely as in they never existed. In XXXX I attended XXXX University and have two loans from them both of those loans same thing as XXXX attended the school was told that they had high rates as far as graduation and I could get help with schooling I could get help with after graduation during school classes would be easy. During school I found no help classes were a lot harder I did online classes from no help and was lied to also they falsified things that they said during their promotional ads and they were later sued again same thing with XXXX. So I'm asking for my loans to be forgiven as well and to have them taken off my credit score as well as XXXX out and taken off my federal student aid list and no longer having them be seen. In XXXX I returned to XXXX College in the hopes of finishing my degree for XXXX XXXX only to find out that everything that I had started back in XXXX was not going to be the same as graduation rates have dropped graduation numbers were not true as well as I could not be grandfathered into the program like I was told originally. And after speaking with a couple of the advisors I would actually essentially have to take almost all of my classes again to get them to count going forward in order to take my XXXX XXXX license in the state of Michigan in order to be licensed plus because living were I do live I also have to carry a very high insurance rate which is not something that as a XXXXe XXXX XXXX College said you needed or said that was part of the grandfathering in. And upon looking into it when taking the boards or trying to take the boards for XXXX XXXX I can't be grandfathered in even having all the hours that I have I would actually have to retake all of my classes and pay out of pocket. Because of all of my student loans. So in essence I'm asking that all of my student loans from XXXX College also be forgiven because they lied not only about my degree that I never finished because I couldn't be grandfathered in I didn't graduate and I don't have a certificate I don't have a degree I don't have an XXXX XXXX XXXX and I don't have anything from XXXX stating what I graduated for none of my college credits transfer so all of the money that's loans for XXXX College are wasted all of my years there in time spent there is just time sitting in a classroom. In XXXX I attempted to go to University XXXX XXXX I got sick while I was there and I took time off and they said that's not a problem you can take a couple weeks off in between classes and then return to class I said okay not a problem they had you're ready to work add going on and it wasn't a big deal. Well then I was just looking up and I find out that University XXXX XXXX has gotten sued by multiple people over the last couple years 4 multiple things as far as false advertising loans rates job placement you name it they've done it. Under the borrowers defense I feel like my loans should be forgiven for the school as well. I just received a letter in the mail about a month ago from them stating that due to the advertisement under the ready to work and any monies owed to them would be forgiven and it would be noted in your credit score you don't owe them anything well within 45 days it would be XXXX now and cleared off your credit score I'm still fighting to get it cleared off my credit score one has been cleared off of one credit score the other two still not cleared off of their I've called XXXX and XXXX still not done and now I have to deal with it and now I have to get it cleared off of there. I have a clear case borrowers defense all four of these schools between dealing with navient and the Shady deals they've done and then telling me Oh we can do for your loans when I've wanted to do the repayment because I don't make a lot of money when I first got out of school and got XXXX and wasn't making a whole lot of money and then I was working in a XXXX and was barely making any money because I was paying XXXX and should have been able to use the XXXX as part of a way to get some of my loans clear now or paid off or forgiven, and navient when let me. And navient also has jacked up my interest rate I've deferred my loans and I haven't wanted to I wanted to do the repayment or the pay student loans or you know I've looked into other things and they've differed them and just very different things that they shouldn't have and now I find out that my consolidated loans are through XXXX and there's also things going on there that shouldn't be going on all around I've asked navient before questions and I get the runaround and I got the runaround when they were with Sallie Mae am I original loans brawl with Sallie Mae not navient I'd never heard of navient until a couple years ago when navient and Sallie Mae split and my student loans didn't even start showing up on my credit score until XXXX and my original loans were taken out in XXXX. Overall what I really want taken away from this is my loans cleared. End of story I just want them gone I don't want to have to deal with it me trying to get any type of loan or anyting I can't do it because of the student loans they've killed my credit I can't pay on them because of the interest rate on them. And to try and deal with navient is beyond ridiculous and they call you 7 8 9 times a day they call your family and harass your family they call your friends and harass your friends they send you 9 10 11 letters it's ridiculous help please
Company Response:
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: In XX/XX/XXXX I applied for public service loan forgiveness. I have worked for a XXXX XXXX since I received my XXXX from XXXX University in XX/XX/XXXX. On XX/XX/XXXX I received confirmation that my application was in review. I later received a letter stating that I did not qualify because I had a FFEL loan instead of a direct loan. I was then asked if I wanted to consolidate my loan. I explained that I had already consolidated. I was then told ( by XXXX ) that they could change my loan over to a direct loan but I would have to start the 10 years over again. Recently another company contacted me to discuss my application. They recommended I contact XXXX and request the Temp Public Service Loan program. I was again denied - the customer service rep informed me that had nothing to do with the kind of loan I had but rather the type of payment plan I have. This makes no sense. I have paid consistently on my loan for 19 years, I have never missed a payment, I have worked for a XXXX for 19 years and yet I am being discluded from a government program which supports an individual such as myself. This is absolutely heartbreaking. When you are a student, the university gives you two choices - private or government loan. I did not even know that a FFEL was different from a direct loan until XX/XX/XXXX. I still do not know why a FFEL is any different than a Direct loan. This process has been very confusing and misleading. Loan is currently with Navient - previously with Sallie Mae. I would be willing to share by application previously sent to the department of education.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2020-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: My name is XXXX XXXX I was told by XXXX XXXX XXXX that Sallie Mae had a law suit against them for lying and not giving information out the lenders. I was told by Sallie Mae to do deferments instead of a ( IBR ) Income base repayment plan. I only found out about the IBR program 7 years ago and I am now XXXX XXXX XXXX and a XXXX Veteran. I had to find out about IBR on my own with NO help from any of my student loan companies, and I have had my loans since XXXX to present. I was told by a nice guy at XXXX XXXX XXXX XXXX that Sallie Mae LIED about a lot of things. I am looking to get student loan forgiveness, Since I have only been on the IBR programs for 7 years and I you need 20 to 25 years to get forgiveness. I will be dead by that time comes around. So I am looking for help to file against Sallie Mae. Sincerely XXXX XXXX XXXX XXXX Veteran
Company Response:
State: AZ
Zip: 85382
Submitted Via: Web
Date Sent: 2020-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been paying on these 2 private loans for nearly 30 years, paying somewhere between XXXX and XXXX on a loan that was originally XXXX. First it was Sallie Mae and now it's Navient. My balance is higher now then it was when I took the loan out. All of my other loans are in income-based repayment. Because I consolidated these loans early on, I couldn't include them. Also it's saying they're from graduate school, that is incorrect. I originally had them with Sallie Mae and when Navient took over something must have changed. I spoke with them about options for paying it off and why it wasn't affecting my principal and all they wanted to do was lower my payment, extend my loan, or put it in forbearance. I had a short term in forbearance and I was in XXXX XXXX for 4 years, those are the only times I haven't been paying on them in about 30 years. They said they don't negotiate, were very rude on the phone and unconcerned about my situation. I feel like I'll be paying forever because I don't have the money to pay it off now. I am inclined to stop paying entirely.
Company Response:
State: CO
Zip: 805XX
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On Friday XX/XX/XXXX, I spoke with a customer service representative at Navient, the company contracted to service my student loan account, about some suspicious changes to both my student loan account history and personal credit report. It appears that Navient reported my loans Paid in Full on or around XX/XX/XXXX and closed the two accounts that were previously included in my credit history. This change caused my credit score to drop 39 points between the two closed accounts. When I logged into my Navient account and checked my account history, it appears that Navient has recently updated my account in several key ways : -All capitalized interest is reported as {$0.00} dating back to XX/XX/XXXX. This has not been the case for the past two years and six months. Interest had been accruing on the account. -My loans appear to have been retroactively consolidated with the reported date of consolidation as XX/XX/XXXX. I did not request this consolidation. -There are several newly reported payments recorded in XXXX that were not made by me. I stopped payments to Navient in XX/XX/XXXX after realizing that my payments and overpayments were not being applied in the way I intended, which was to pay down the principal and not be applied to future payments. When speaking with the customer service representative, I asked her Who initiated the consolidation of my loans in XX/XX/XXXX? She told me that I had requested the consolidation of my loans, digitally. I asked her what she meant by digitally. She explained that I submitted a request through my account. I asked if that request should show up in my account inbox under the tab Documents You Sent to Us, and she told me it should be in that tab. But there are no documents in that tab, because I never requested the consolidation of my loans verbally, digitally, or otherwise in XXXX. I know because in XX/XX/XXXX I learned for the first time that I wasnt alone in the overwhelming Navient scam. I have remained in forbearance since that time because Navient has refused my requests to remedy the misallocation of my previous payments. I did not request a consolidation in XX/XX/XXXX and my account history prior to recent erroneous changes listed previously did not indicate any consolidations. The Navient representative I spoke with explained she was sending me a Fraud package for me to complete and upload to my inbox along with a copy of my credit report to initiate a Navient investigation. This package was never sent to either my personal email or my Navient account inbox. My credit is still damaged and has prevented me from purchasing an affordable vehicle which I need in order to become gainfully employed and afford to pay my student loans. Navient continues to demonstrate flagrant disregard for its obligations as my student loan servicer and continues to cause irreparable damage to my financial well-being and my consumer credit.
Company Response:
State: NM
Zip: 87507
Submitted Via: Web
Date Sent: 2020-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: THIS PHONE NUMBER /BUSINESS/DEBTOR IS CALLING FOR A FORMER EMPLOYEE ( SOMEONE BY THE NAME OF XXXX ) AT THIS JOB. IT IS NOW MY WORK NUMBER AND THEY CONTINUOUSLY CALL EVERYDAY INCLUDING SUNDAY AND AT LEAST TWICE A DAY ( SOMETIMES 4 TIMES A DAY ). I HAVE ANSWERED SEVERAL TIMES REQUESTING THAT IT BE REMOVED AND ADVISED BY THE REP THAT IT WOULD BE REMOVED ONLY TO HAVE IT CALL EVEN MORE TIMES A DAY AND MORE FREQUENTLY. THIS IS HARASSMENT AND IT NEEDS TO STOP IMMEDIATELY. THANK YOU IN ADVANCE!
Company Response:
State: LA
Zip: 70508
Submitted Via: Web
Date Sent: 2020-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Starting in XX/XX/XXXX, Navient had my name attached to someone else 's social security number ( 1 digit off ). Her credit information was mixed in with my credit report with the credit bureaus. After several communication, filing an identity theft affadavit, etc. it was supposedly resolved. However, each year, they continue to harrass me and now PCR , Inc. ( Pioneer Credit Recovery , Inc. ) has continued to send me threatening pieces of mail stating I have to pay or they will garnish my wages, etc. Today, at XXXX XXXX CST, they contacted my neighbor and left a message for them to contact me to call them back. I am humiliated and outraged at this! I've called them repeatedly, the last time was XX/XX/XXXX when they sent me another letter using Ref Num XXXX, Creditor XXXX, Principal {$82000.00}, Interest Amount {$9300.00}, Interest Rate 6.62 %, Collection Charge {$11000.00} AND Ref Num XXXX, Creditor XXXX, Principal {$72000.00}, Interest Amount {$8000.00}, Interest Rate $ 6.62 %, and Collection Charge {$9600.00}. I am beyond frustrated that they have been allowed to harass me for 3 continuous years. I've taken all steps they requested to permanently remove my name, address, and any other information about me to this lady 's bad debt and now, they are starting up again. This is very upsetting and I fear they will contact my employer and create problems for me in my workplace when this has absolutely nothing to do with me AND they know this! PLEASE help me. I am at my wit 's end and am emotionally upset.
Company Response:
State: WI
Zip: 542XX
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A