Date Received: 2019-11-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I recently moved to XXXX to escape an XXXX husband, my income did not change in USD, I am just now paid in CAD - same company. I was originally making approximately $ XXXX in the US pre-tax, post tax it was about $ XXXX. When I originally certified for income based repayment based upon those numbers and my marriage, I was paying {$0.00} a month. After the divorce, I went through the re-certification process again, and although my income did not change, now Navient is claiming I owe {$470.00} a month. This was originally based upon me providing a letter from my employer in XXXX advising that I make {$100000.00} a year CAD. I was told this specifically by a Navient employee in XXXX, and was told to resubmit my application based solely on my XXXX tax return and not using any letters from employers. I did this, and it came out yet again to {$470.00} a month. The woman I spoke with after this - on XX/XX/XXXX - said that it was another mistake on their part, that based upon my $ XXXX $ XXXX AGI I should be paying {$360.00} a month, and advised that she was putting notes in the file so that someone would correct the issue. I never heard anything back, and logged in on XX/XX/XXXX to see that I am still being told I owe {$470.00} a month. After about an hour on the phone with various people - all of whom stated that this {$470.00} a month was based on my $ XXXX XXXX, I was finally informed by a supervisor - who had also erroneously claimed that this was based on my $ XXXX XXXX - that I was right the entire time and the {$470.00} WAS based on my $ XXXX CAD income being treated as $ XXXX XXXX, which had I been stating all along throughout this phone call. She advised that after reviewing my file further, she discovered that my joint tax return was not accepted because I filed taxes jointly ( as I was married when my ex husband and I earned our income, of which he only earned approximately {$2000.00} for the year ) and subsequently divorced. After hours of explaining everything to people at Navient ( something that can not be that uncommon - surely people get divorced and pay student loans all the time ) everyone I speak with agrees I am right and they apologize for the " inconvenience '' but then just keep " resolving '' the issue the same way as before so nothing is ever done. I don't know what to do, I am still dealing with the debt my financially abusive ex husband left me with, and am struggling a great deal. All I want is for my monthly payment amount to be calculated correctly and fairly, and for me to not have to spend hours fixing an issue that I did not create. As of submitting this, the issue is still not resolved.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I graduated in XXXX from University of XXXX at XXXX with a XXXX XXXX in XXXX. I consolidated my student loans and was making timely payments. In XXXX, I moved with my young family to the XXXX NY area and began working for XXXX XXXX ( XXXX XXXX ) - a state hospital which is designated as a Disproportionate Share Facility. I learned of a student loan repayment program, applied, and was accepted. For three years, from XXXX, I participated in the program. I left XXXX XXXX in fall of XXXX, and returned in XXXX of XXXX -- I have remained a full-time employee of this company every since. In XXXX of XXXX, I received a Certificate of Completion for XXXX Student Loan Repayment Program and a congratulatory letter from US Dept of Health & Human Services ( see attached ). From that date, XXXX of XXXX, I NEVER received ANY further correspondence, bill, or indication of further student loan debt. Fast forward to nearly 10 full years later, XX/XX/XXXX, I began receiving calls from a company and assumed it was a wrong number or telemarketer. It was Navient, claiming that I owed over $ XXXX in student loans to them and that I was delinquent in my payments. I tried to explain to them that I had never had an account with them and did not have any outstanding student loans that I was aware of for nearly 10 years. Shortly thereafter, I noticed that my credit reports had taken a plunge -- Navient started reporting this fraudulent account on my credit reports!! Of note, I had just purchased a home for $ XXXX and a new car In XXXX of XXXX. At no point during those large purchases, was there ANY indication that I had outstanding student loan debt. From XXXX on, my credit reports reflect that my student loan accounts are at a " XXXX '' balance and have been closed.
Company Response:
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I recently made a payment on my loan consolidated through Navient. I have a message on my cell phone about an alert for my account, so I checked my account. It shows my payment, but then it shows a payment reversal so that this amount was apparently returned. I don't know why that happened. It has never happened before. The very frustrating thing is that there is no way to contact Navient about this through a message, and no information about why this happened. I have looked all over for contact information, and there is a phone number or written correspondence. This is not good enough. To expect me to take time out of my busy work day to stay on the line for a long time, when I had made a good faith effort to make a loan payment - it is not feasible. Navient needs to make reasonable means to contact them about student loan issues. Making it difficult to contact them enables them to get away with unfair practices that disadvantage borrowers.
Company Response:
State: IN
Zip: 47906
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My sister and I have the exact same social security number with the exception of the very last digit. While going through my credit report recently I found several items on my credit which I did not open and I am positive that it was due to my sister using my social for her accounts. There are 7 student loans taken out in 2009 alone. There's no way that they all belong to me. I would like to see about researching which ones belong to me and which ones don't and see about removing the ones that do not belong to me from my credit report. My sister was working for XXXX XXXX a little more than a year ago and during that time her student loans were not reflecting negatively on the credit report because the company has a repayment program but a year ago my sister left that company and now all of a sudden I have all of these extra student loans that have hit my credit report and lowered my credit almost 200 points. I have been trying for months now to be able to figure out where the student loans are being held how much is being held and when they were open so that I could figure out which ones I needed to dispute but every single loan holder that I have called has no record of my accounts existing at all. I am at my Wit 's end and I don't know what to do from here and I would greatly appreciate the assistance
Company Response:
State: CO
Zip: 80907
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I received this email : Please see below. Lawsuit Bureau of Consumer Financial Protection, et al. v. Consumer Advocacy Center , Inc. d/b/a Premier Student Loan Center, et al. ***Do not REPLY to this email. If you have questions, send them to XXXX. You appear to be a customer of one of the student loan debt relief companies identified below. These companies have been sued by the Bureau of Consumer Financial Protection ( CFPB ), and the States of Minnesota, North Carolina and California for deceptive practices and taking unlawful advance fees. The Court has appointed a Receiver who has suspended the companies operations. We recommend that you immediately contact your student loan servicer about the status of your student loans. A list of approved student loan servicers can be found at the U.S. Department of Education Student Loans Website : https : //studentloans.gov/myDirectLoan/additionalInformation.action. The Receivers office has set up a webpage with additional information about the lawsuit. https : XXXX. We will post updates on the website as the case proceeds, and you can also review a list of Frequently Asked Questions ( FAQs ). The Receiver gets many emails with questions from consumers. We can not respond to each inquiry separately, but will update the FAQS as questions come in. In the meantime, we again stress that you should contact your loan servicer. The Companies which have been sued : XXXX XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX ; Some of the other names defendants used include the following : XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX.
Company Response:
State: TX
Zip: 78723
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: XX/XX/2019 Navient This company has reported 90 day late payments on my credit file. My student loans are deferred. This company has reported this to all credit bureaus and it has had an adverse effect on my credit file. I am requesting for Navient to update all three credit bureaus with 90 day late payment removal
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I graduated college in XXXX. My first payments were around {$200.00} and I could manage that. Within a year, for reasons unknown, the amount increased drastically to around {$400.00}. Unable to make this payment and petrified I would go into default, I contacted Navient. The CSR explained I could go into forebearance, and I distinctly remembering being told I could only be in forebearance for a year. Fast forward to XXXX and the financial collapse, I contacted Navient again and was told not to worry, forebearance was an option. There was never a mention of the income driven repayment plan and I didn't learn such a payment vehicle existed until I read an article in XXXX XXXX in XXXX. I am currently on an IDR, but what is very frustrating is had I been on one back in XXXX, my loans would be nearing completion. Instead, I have thousands of dollars in interest charges! I sent letters to Navient over the years asking why my balance was so exorbitant, and never received a response. I simply don't understand why I wasn't offered an IDR plan rather than put into forebearance. That article in CR I referred to was titled I Kind of Ruined My Life by Going to College and while I am a proponent of education, I can safely say it ruined my financial life. Any assistance the CFPB can provide in the possible abatement of a portion of the interest charges would be an amazing fete for which I would be unbelievably grateful!
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
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: I was in deferment since XX/XX/XXXX. Navient is reporting on two of my accounts that I am 90 and 120 days late ( XX/XX/XXXX and XX/XX/XXXX on each ). I was in deferment firstly. Second, they report in every month prior to XX/XX/XXXX that I am on time. So then, how can I be 90 days late in XXXX seeing that I was on time just 30 days prior.This is an injustice. This complaint extends to the two reports I have with XXXX as well. In XX/XX/XXXX ( on deferment mind you ), they report me on time and then 90-120 days late XX/XX/XXXX through XX/XX/XXXX while I was on deferment. They do the same thing in XX/XX/XXXX through XX/XX/XXXX and once again in XX/XX/XXXX. This is exactly the same for both reports. Now, doesn't law state that anything on my report that is untimely, inaccurate, or unverifiable MUST be removed? Everyone knows that there are no months with 90 days in them. So, since there are no months with 90 days in them, reporting me late 90 days ( not once, but a combined 5 times ) would be inaccurate! And what was it the FCRA stated about inaccurate information? That's right! It must be removed. How is it that XX/XX/XXXX, XXXX, and Navient all ignored my dispute and continued to report inaccurate information? I know my rights and the law. For three companies who operate daily under this law to continue reporting this inaccurate information in a huge violation of my rights and the law.
Company Response:
State: NV
Zip: 89502
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Several weeks ago I called about my loan which was past due. I've been enrolled previously in a low income driven plan that reduced XXXX payments. I advised I wanted to reenroll in that service. I was put through an automated service, advised I will be paying XXXX monthly for 6 months. I asked about Forbearance on my past due, because that was always done in the past. I was told I will have forbearance applied. I called Navient this morning. I was told that I will get forbearance only have 3 consecutive payments. I was placed in a different program than I called about. I discussed at how the rep told me this over the phone on the forbearance. He said he will have the Supervisor review the phone call coach the representative. I advised this will not help me in the present. I explained my frustration that I specifically asked about this, because I do not want my information to be reported to the credit beuaru. I also mentioned student loans are taken very seriously by Federal laws, what is promised over the phone, and shared has to be very accurate. I discussed I would share this with a third party agency such as this one. He quickly placed me on hold to get a Supervisor. He came back without one, said I can sign up for another program, but I will have forbearance after 3 payments. This was also explained in the 5 minute recording I listened to. I asked the representative in the previous call this information on the forbarance after the recording and she confirmed I would have it after the payment.
Company Response:
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am an individual currently in XXXX school. I have been switching between being a part-time ( 6 credits ) and a below part-time ( 3 credits ) student starting in XXXX of XXXX. I have been attending the University of XXXX XXXX XXXX, but have not take out any new loans for school. This is related to my older loans from receiving my XXXX degree and are in the repayment process. Several times now I have been in a period of interest forgiveness on my subsidized loans due to being in school part time. When I switch to below part-time I should be charged interest on my subsidized loans, I get that. The loan servicer keeps adding " Capitalized Interest '' amounts to my loan balance as a back charge for time spent below full time, even though it is during semesters where I was enrolled above full time. This happened on XX/XX/XXXX, which was the most charged and should have included 6 months of interest forgiveness on my subsidized loan as I had graduated XXXX of XXXX with my XXXX. It also happened on XX/XX/XXXX even though I was enrolled as a 6 credit student for the Fall XXXX semester. It also happened on XX/XX/XXXX even though I was a 6 credit student during the summer semester which ended in XXXX of XXXX. Each time this happened I called them to dispute. They always say it is based on the dates my school reports to the government on when I was a part-time student and I have to reach out to my school to update them. I reached out to my school, the confirm they have put the correct dates in the system. Navient won't budge, and now I am on the hook for hundreds of dollars in capitalized interest that should have been forgiven and I am also paying interest on that interest. Navient in no way shape or form notified me before adding these charges to my account, they just did it. They never provide an explanation of where the capitalized interest is coming from ( ie what dates it is covering ), and they just tack it on to the first statement after they apply it. This is an extremely unfair practice and I feel I am being overcharged by my loan servicer related monies that should have been forgiven. I will also make it clear that not only do I pay my loans, I actually overpay them even when they are in forbearance. There should be little to no interest on a monthly basis due to me paying them down every month. I can not wait to pay these loans off next year so I can be done with them, but everyone needs to be aware of Navient 's unfair and deceptive lending practices.
Company Response:
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A