Date Received: 2019-12-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/19 I agreed to a {$140.00} payment to Navient. On XX/XX/19, I received an email thanking me for {$210.00} payment. After calling Navient, they struggled to explain how this happened and offered two contradicting reasons before telling me this was for my XXXX payment due in one month. I asked to have that returned to me and they said it would 4-6 weeks which is after my XXXX payment is due. This is unacceptable and I will continue to pursue other options in this matter.
Company Response:
State: IL
Zip: 61614
Submitted Via: Web
Date Sent: 2019-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My loan has been serviced by six sharks since XXXX. Originally {$5000.00} total ( one subsidized, one unsubsidized ), it was issued by XXXX XXXX XXXX. At that time I made some payments while still attending college. The second lender was XXXX. Then XXXX XXXX XXXX who really gouged me. Then XXXX XXXX and XXXX. I have been in college on and off the entire time. In XXXX I was called repetively at work to repay my defaulted student loan. I had already attempted directly to make payments toward my loan previously but received contradictory and confusing information. This time was no different. But I had a steady paycheck and I wanted to pay. I was informed that I could not start paying on my loan directly unless I wanted to pay the entire balance. Otherwise I must pay {$5.00} a month to another company XXXX for 9 months in order to show my repayment worthiness. Meanwhile my loan interest is growing and they garnish my tax return to the tune of {$3000.00}. In XX/XX/XXXX my combined loan amount is {$5400.00}. By XX/XX/XXXX the entire amount us {$8100.00} and appears to accrue about $ XXXX/month but sometimes they double up and give me two statements for the same month where the interest is more like $ XXXX/month. What happened between XX/XX/XXXX and XX/XX/XXXX? In 32 months I accumulated + {$2700.00} in debt. About $ XXXX/month. Hmmmm ... I didn't go to school for math but this seems deviant. After a year of making payments I am able to make payments directly to my loans again plus so much interest. Only I don't see where my {$3000.00} garnished tax return has made a dent my now over {$8000.00} debt. Only the Department of Treasury sends me paperwork about home much was taken without permission. I had a XXXX XXXX XXXX at home and was a single mother. This really hurt. So where did the money go? How was it applied? The loan servicer never sent any paperwork. Even today, after overpaying for 4years, I still wonder where my payments go. I understand the 6.8 % APR and that there is interest upon interest but I have now paid for this loan twice and still owe over {$3000.00}. Why? What do they really do with my overpayments anyway? What was the purpose of the lawsuit if not to protect people who have been abused by their predatory practices?
Company Response:
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2019-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-12
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: In XXXX of 2015 I contacted Navient to discuss income-driven repayment options with them so that I could afford my student loans. They suggested the income-based repayment option and told me that as long as I paid on time each month, that in 20 years the loans would be forgiven. When I called today to see if I could tweak my loan payments, they told me that I should apply for a Revised Pay As You Earn Repayment Plan and that the income-based plan I was in is actually a 25 year plan, so that my four years of on-time payments were basically nullified and this would reset the 20 year clock. I asked why this was not conveyed to me, and the representative just apologized and said this was my best option.
Company Response:
State: WI
Zip: 53211
Submitted Via: Web
Date Sent: 2019-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-12
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: At the time I took out the student loans I had every intention of paying them.However as I have explained numerous times to the representatives that call almost every hour between XXXX XXXX and XXXX each day of the week I'm now unable to work and receive Social Security XXXX benefits. I have continuously explained this to them. If I put a loan in forbearance the interests rate added is ridiculous. The amount I borrowed and the amount I now owe has almost tripled. I ask for forms to recieve by mail and complete to try to have my debt forgiven and I dont receive it. They continually call and I continually tell them the same reply. I do not have any "extra" money to make any type of payments. This has ruined my credit and also causes me increased XXXX and XXXX. These are one of the reasons I have SSDI...I'm going to eventually have a need for hospitalizations if they continue to harass me. It's hard enough for me to deal with the fact that a career I worked so hard to try to obtain through my XXXX degree is no longer something I can do. I'm so tired of the daily calls. There are days I simply become tearful because of the way they make me feel.
Company Response:
State: GA
Zip: 31093
Submitted Via: Web
Date Sent: 2019-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I reached out to Navient on XX/XX/2019 to resolve my student loan and was told it would be in my benefit to pay XXXX $ a month for 9 months to get my student loan out of default in which I did, I spoke with Navient in XX/XX/XXXX I believe and they told me I was to pay one more payment of XXXX $ and my student loan would be out of default, and the student loan is or was out of default, now looking at my XXXX credit report it is showing that there are 19 missed payments which is not true. I have been scammed and would like to press this issue that I have been taken advantage of and Navient has participated against me fraudulently. They took my entire tax refund for 2019 after they said that wouldnt happen.
Company Response:
State: AZ
Zip: 85705
Submitted Via: Web
Date Sent: 2019-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-12
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Today I was called 7 times starting at XXXX the most recent call being at XXXX from 3 different numbers claiming to be Navient. The phone numbers being used are XXXX & XXXX. 7 times a day from different numbers seems excessive. Especially since Navient gets auto payments from me twice weekly. There are no messages left.
Company Response:
State: LA
Zip: 70115
Submitted Via: Web
Date Sent: 2019-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Showing 90 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ... never late also loan switched to navient about this time and also I was on a defferment ... parent plus loan taken out in XX/XX/XXXX
Company Response:
State: MO
Zip: 63052
Submitted Via: Web
Date Sent: 2019-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-11
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: On XX/XX/2019, I registered on the Do Not Call Registry. On XX/XX/2019 I sent a certified letter to Navient student loan services that included my recent Chapter XXXX Bankruptcy completion paperwork, and a letter requesting that Navient contact my attorney with all further questions regarding my account. I still received phone calls and emails directly from Navient after their received my certified letter. On XX/XX/2019 I finally sent a Cease and Desist Letter to Navient via certified mail. I have continued to receive emails and phone calls on a daily basis from Navient since they received my Cease and Desist letter. My relatives have also continued to receive communication from them.
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2019-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I had paid on these loans for over 7 years, sometimes paying additional money to go to principle. In looking at the records, that doesn't show on the payments. As a matter of fact, when calling customer service about this issue, they would just state "it is going to principle, we don't have a way of proving that". I paid on these loans every month over 7 years. My debt owned did not even barely go down over the course of my payments! I have finally looked into it more closely and decided to refinance. I refinanced $XXXX, which shows a payoff date of 7 years. My original loans were roughly the same amount when I began paying...how it is possible that over the course of paying I didn't put but a small dent in my loans in roughly the same time period?
Company Response:
State: WA
Zip: 98604
Submitted Via: Web
Date Sent: 2019-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-11
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XX/XX/2019, I contacted Navient for my Son 's private Student Loan. II borrowed XXXX and now the Interest is so high it is triple now. I always call every month to pay. On XX/XX/XXXX and also in XXXX and XXXX, I had called to make sure payments were processed, on Two occasions when I called in XXXX, 2019 and XX/XX/2019, The representative stated My payments were current and I did not owe any money until the following Month .... So I noticed an email the very next day in XXXX, after making two payments to get caught up ... .and over the phone the representative said, " You are current '' nothing is due until next month ... .. So same thing happened in XX/XX/2019. I gave a payment over the phone. The next day and over the phone I continued to have emails, and phone calls stating that i owe two payments ... ..When the Rep said, I was caught up. So I called them back to speak with a Manager, and the Manager stated that they never received my payment. I gave them my payment over the phone and they said, I was caught up. I checked my bank account, but the payment was never taken. So I had to call them back in XXXX and do everything all over again ... ..Because the previous payment was never processed. In XXXX, I made two payments and they did go through ... ... but they stated that I still owed them money even though they Explained " I was all caught up ''. Then emails and phone calls keep coming in saying I did not pay. Thank you. XXXX XXXX
Company Response:
State: VA
Zip: 20165
Submitted Via: Web
Date Sent: 2019-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A