Date Received: 2019-11-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Over the past 8 years in speaking with The Navient team, I was advised to take advantage of the loan forgiveness program which was communicated to freeze payments and interest on my federal loans. However, It looks like my interest in loans has been compounding over the years. I originally took out XXXX in loan and now I'm close to XXXX in total debt because of interest. Over the last 10 years, I've basically been out of full-time work so I have hardship paying back the loan. CFPB did sue the company Navient for failing borrowers and used deceiving information. These tactics have illegally misled me and I'm ready to leave and want to get rid of my navient contract. XXXX
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: XX/XX/XXXX was when we began communicating with XXXX XXXX XXXX about our student loans. Since then, we have been making payments to XXXX XXXX XXXX as they negotiate a settlement with Navient and Sallie Mae. We changed all of our contact information on the accounts to XXXX XXXX XXXX XXXX just like they told us to do. The loans are in my wife 's name, and we did not provide any other contact information from my family to Sallie Mae or Navient. Somehow today, on XX/XX/XXXX, Sallie Mae called my stepmother to try and get her to give them my wife 's contact information so they could try and get us to pay them what we owe. This is unlawful and an invasion of our privacy as well as harassment to get us to pay them money.
Company Response:
State: TX
Zip: 76708
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have made payments every month using the online feature, however I have been receiving messages that my loan is 95 days overdue even though I make a payment online every month. When I called I was told that my loan payments was not allocated to where it was supposed to go. I called Navient and was told that they were going to fix this problem and reallocate my previous payments but this has yet to happen.
Company Response:
State: MD
Zip: 21236
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I have accumulated about XXXX dollars in student loan debt from attending XXXX XXXX XXXX from XXXX-XXXXish-I received an XXXX XXXX with credits that will not transfer and was led to believe during my counselor appointments that I would not owe near of what I ended up owing at the end. At one point I had a separate loan that was a personal loan that was not even presented properly and I was definitely misled about all of my finances for schooling. After finishing school, I attempted to pay on my student loans with Sally Mae and I was not ever able to make steady consistent payments because the amount they requested for me to pay monthly was well over my head. I continue to struggle with paying my loans through Navient and I yet to come to an agreement on a monthly payment amount. I find myself ignoring phone calls now as I feel no one is willing to help. I'm not understanding why the payment amount can not be set at a payment that is affordable? I would think some consistent money is better than none?! At least that's what I continue to tell my ex that owes a very large amount in back XXXX XXXX. I went to school-I am willing to pay for my schooling-even though it has done nothing for me except put me in debt and ruin my credit. I am not willing to live on the street so I am able to pay back my student loans. I wish someone would help all of us in this situation.
Company Response:
State: MI
Zip: 48473
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navient is reporting my student loan current on time for the months XX/XX/XXXXXX/XX/XXXX then in XX/XX/2018 Navient reports the same account 90-120 days late. How is the account on time, by Navient 's own reporting, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 then 90-120 days late XX/XX/2018? Navient is violating the FCRA yet continues to verify these lates with XXXX, XXXX and XXXX XXXX. Navient then reports the account 90-120 for the months of XXXX XXXX-XXXX XXXX when it was on time. There are thousands of complaints like this regarding Navient and they are damaging my credit, impeding me from buying a house. I want Navient to explain to the CFPB how the account is on time the previous 5 months of XX/XX/XXXX mentioned above then 90 days late the next month?
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Beginning XX/XX/XXXX, Pioneer Credit Recovery has been calling our rental/business office with their phone calls for an attempt to collect a debt. At this time our office has received 9 phone calls in 11 business days. The phone calls have been coming from XXXX and asking that PCR be called back at XXXX. We have responded to each phone call and have repeatedly asked that they stop calling our office. The phone calls are being made through our contact phone numbers for our online advertising for our townhome rentals. Our advertising agency, XXXX XXXX, has also been notified of these calls and they are in the process of changing all of our contact numbers on our online ad 's. *See attached phone log of the phone calls from PCR. *See attached transcript of the phone call messages. * See attached online ad for our rentals. *See the attached email from XXXX XXXX from Navient/Pioneer Credit Recovery-which clearly indicates that we do not have or owe on any accounts with them. In our phone calls back to PCR we have requested/demanded that the phone calls stop but to no avail. On Thursday, XX/XX/XXXX, an email was sent to their CEO XXXX XXXX, XXXX XXXX responded to that email and assured our office that she would resolve the issue and the calls would stop, still to no avail. On this same date an employee in our office received their phone call, while the employee was with a potential rental applicant. We are a reputable XXXX XXXX XXXX that has been in business for over 30 years and we feel strongly that this is harassment. Again, each and every time we have received their calls we have responded and given them our numerous online contact phone numbers and they still have not stopped the calls. The phone calls are also being left on our voice mail. This needs to stop. We are a small reputable company that does not want our employees or others to hear these debt collection calls for an account that is not ours. If there is any other information that you would need, please do not hesitate to contact us for additional information. We are fortunate that our office and advertising company have complete documentation of all of the calls and the audio of each call. Prior to my contacting of XXXX XXXX, I had called the XXXX and had spoke to numerous representatives of PCR, including supervisors, all of which were terribly rude, condescending and none of which did anything to resolve this issue of these phone calls. They are targeting our small business for an account that is not ours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I changed my autopay option on my federal student loans with Navient to use my new checking account. My old autopay was coming from a joint account with my ex-wife and I do not want that exposure anymore. I received an interest rate discount for being enrolled in autopay which I lost despite me re-enrolling in autopay seconds after cancelling my old autopay. Navient has stated that my interest discount will not go back into affect until XX/XX/XXXX which is the next autopay due date. Today is XX/XX/XXXX so I will be charged a higher interest rate for over a month. I have spoken with Navient and they stated there is no way for anyone at Navient to fix the interest rate discount and they are unable to simply modify your existing autopay to a different bank account without cancelling your old autopay so you do not lose any autopay discounts offered on Federal Student Loans.
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: The following letter was sent via inbox/upload email to them ( some modification occurred due to having personal information ) : Good Morning Navient, I have submitted paper works back in XX/XX/2019 about my Navient account history, not reflecting the {$200.00} paid and withdrawn from my XXXX XXXX XXXX account on XX/XX/ 2019. This will be my second time reaching out. I received an email in my inbox/upload that just showed my account history even after providing the documentation needed to show that {$200.00} was withdrawn from my account. I am therefore provided the documentations once again along with my bank statement and confirmation email I received from your team. I am hoping that we get this solved as I plan on making payments.
Company Response:
State: OR
Zip: 97501
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: 5 ( or more ) years ago I worked with Navient to not only obtain an affordable Student Loan payment but also put my Federal Loans under the Public Service Loan Forgiveness program. I've been under the impression since that time that I was working towards the PSLF. I have worked for a non-profit organization for 13 years now. I have continued to make on time payments. I contacted Navient this morning to inquire about how many payments I had left to obtain the forgiveness. I was informed at this time that I am not in the PSLF and that I do not have the correct loan type to be in the program. Navient deceived me into believing that I was signing up for this program when in fact I didn't even qualify at that time. They did not inform me that I would need to re-consolidate my Federal Loans into XXXX XXXX nor did they tell me this was even option. I have now been told that I will need to continue to pay at my current Income Based Repayment level for another 20 years ( making the full life of my loan 33 years ) OR re-consolidate and restart the clock on my 120 payments.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I unfortunately underwent a series of financial hardships and when I called the student loan servicer to lower my monthly payments I was instead offered a forbearance which I agreed to not fully understanding that by doing so I will incur over {$200000.00} in additional debt to my already over {$200000.00} in student loans which I obtained in order to be able to attend loan school. I am currently experiencing extreme hardship as I have run out forbearance options and will spend the rest of my life repaying these student loans of over {$450000.00} while not being able to afford to purchase a home for myself and save for my children 's college and other expenses and come up unexpectedly.
Company Response:
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A