Date Received: 2019-11-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been paying an extra {$60.00} dollars each month on my student loans, set up on Auto Pay for at least the past year in an effort to pay down my high interest rate private student loan. I just discovered that they stopped takign the additional overpayment effective this month. I went online to see why my extra payment was no longer coming out of my account, and found the following info from the Navient website. Apparently they don't want anyone to be able to easily pay down their loans faster than scheduled : How do I enroll in Auto Pay, or increase my Auto Pay amount? Select Auto Pay in the navigation menu to enroll. Your recurring Auto Pay amount can't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in the navigation menu and specifying an additional amount for any loan enrolled in Auto Pay. This is gargabe. I need to be able to easily allocate additional payments. Having to remember to login each month just to make an added payment is cumbersome, and this change is new. What gives Navient? Give us a chance here!
Company Response:
State: CA
Zip: 95825
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I currently have a loan on my credit report that I did not apply for. I contacted Navient and made them aware of the situation, they were unable to provide any proof of signature of me " co signing '' to this loan. The loan appears on my credit report as a loan I co signed on. An ex friend of mine stole my information and used it for this loan without informing me. I did not attend the school the loan was taking out for and never agreed to taking out this loan in the first place.
Company Response:
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Please see my feedback in the attached document. Navient has NOT resolved this issue. They can not provide any documentation regarding the alleged phone call requesting that funds be reallocated from a CLOSED account to an OPEN account. I AM REQUESTING THAT CASE # XXXX BE REOPENED. I need to see some documentation regarding this loan. They can not provide me with any paperwork regarding redistribution of the loan, nor can they provide any statements regarding payments and balance due. I did not receive a statement regarding this loan for 10 years. I've never heard of such a thing. I requested the documents, but they did NOT provide them. Please help. Thank you. Below is my feedback and attached is the original complain document : Your feedback : THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS The company, Navient, is lying regarding my student loan account. There is no other way to put it. In their response, they state that they received a phone call from me requesting payments be reapplied to all loans. I deny this claim by Navient! What company takes a VERBAL request without following up with any WRITTEN documentation? Also, how can they even take funds from a CLOSED loan and re-allocate them to another loan? ( The loans in question were for my son, who was still in school at the time. Why would I pay off a smaller loan and re-open the larger one with greater interest? ) This makes no sense! Navient claims they sent notices on the day the request was made and when the adjustments were made. I have no paperwork regarding this and Navient has not provided me with any copies although I have asked numerous times. They also state that " Our review confirmed that you received a bill each month which advised the balance due as well as the next due date. '' This is absolutely NOT true! When I told the supervisor, at Navient that I had no bills or statements, she said I could find ALL the history on the Navient website. There is no paperwork there either. The only bills/statements I received began in XXXX, XXXX. There is a 10 YEAR gap from XXXX through XXXX. XXXX on the Navient website. Navient also states that all attempts to contact me went unanswered until XXXX, XXXX. This also is untrue! I contacted them in XXXX and XXXX by phone. I was told that they would look into it and get back to me. ( The representative couldn't understand what was going on either. ) It was in XXXX, while I was waiting on a response from them, that I found out that they destroyed my credit. I immediately called Navient and asked to speak with a supervisor. I have always maintained a very good credit score as I know how important my credit report can be. I feel that Navient has been untrue about their record reporting and statements they are giving you. I am requesting that you re-open this case and get me copies of the missing paperwork that Navient allegedly sent me regarding the original re-allocation of the funds. I would also like a copy of the alleged bills and statements they sent me each month for the last 10 YEARS. Thank you for any assistance you can give me. I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS I fell that Navient is being dishonest in their response and I would like to re-open this case. Thank you. THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS The company, Navient is basically lying regarding their response to this inquiry. They clearly did something fraudulent here and are trying to cover it up. I would appreciate any help you can give me in this matter. Thank you.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2019-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-17
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I re-enrolled into university to earn a XXXX XXXX degree and started my XXXX XX/XX/2019. I waited to make a payment for XXXX because my school was working on reporting my enrollment and thus my deferment paper work had not been sent. After my enrollment was confirmed and my deferment eligibility was confirmed I received notification via email that my bill was past due. I contacted them on the phone and let them know that yes my deferment paperwork was received and would post on XX/XX/XXXX that was the end of the conversation. On XX/XX/XXXX I got an email saying that my deferment was denied. No other details so I called them to inquire. I called up and automatically they were telling me my account was past due and was I calling to make a payment. I said no I had questions about my deferment. They then transfer me. After being on hold I get a second person that answers and says that my account is past due and would I like to make a payment. Again I had to say no, I'm calling about why my deferment was denied. They explain that all my loans already are past the allowed amount of time for deferment. No one any point in time informed me by mail, email, or telephone call to tell me my loans no longer qualified for deferment due to enrollment. I ended the conversation. I had to wait for my husband to get paid to make the payment. In the 10 days since having that conversation with this company I have received on average 10 calls a day attempting to collect on the bill. Every single hour, for 10 hours, they call me. In the past I called and asked them to stop calling me and they said their was nothing they can do to push back the calls. This is harassment. Calling me every 45 minutes is uncalled for.
Company Response:
State: WA
Zip: 98204
Submitted Via: Web
Date Sent: 2019-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: For 5 consecutive months Navient has misapplied my student loan payments in a way that disadvantages me and enriches Navient. My highest interest loans receive the lowest distribution and vice versa with my lowest interest, despite my calling repeatedly asking this to be fixed and receiving a " promise '' that this will be corrected for the next payment.
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2019-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-16
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Spoke with the company regarding the high interest rates that are charged. The Student loan taken out in 2007 contains, what I would call usurious, variable interest rate. Monthly over payments have been made month over month but the loan balance continues to increase. communication with the servicer has yielded the following response : " we are setting the rate at the investor 's behest. It's outlined in your note. '' It's honestly ridiculous to have an interest rate on a student loan be at 8 % especially when the fed has continued to cut interest rates ...
Company Response:
State: CA
Zip: 93063
Submitted Via: Web
Date Sent: 2019-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: When checking my payments to Navient, I noticed they missed a payment of {$84.00} form XX/XX/2019. When I alerted them to this, they sent a form notice asking for a copy of front and back of the check. I alerted them the first week of XX/XX/2019. When I sent them a copy of my bank statement clearly showing the payment to them and clearly showing that it was an electronic transfer, they sent a form message asking for the front and back of the check. Clearly they are dragging this out hoping I will go away rather than fixing the problem and crediting my account.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2019-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am writing to complain that Navient took more money from my checking account than they said they would, resulting in my checking account being overdrawn. On XX/XX/2019, I received an email from Navient informing me that my Rate Reduction Program was ending and I needed to file another financial statement. On XX/XX/2019, I filed the financial statement from the website referred to in Navients email. I called Navient, and they said they had received it, but that I could not re-enroll in the Rate Reduction Program until after XX/XX/XXXX. They told me to call them back after XX/XX/XXXX and that my financial information would already be on file. On XX/XX/2019, I received four emails from XXXX informing me that on XX/XX/2019, they would take a total of {$230.00} from my checking account. On XX/XX/2019, I received an email from XXXX XXXX - Navient XXXX informing me that I needed to contact Navient to re-enroll in the Rate Reduction Program. On XX/XX/2019, I received an email from XXXX informing me that on XX/XX/2019, they would deduct a total of {$230.00} from my checking account. This email was similar to emails I received each month from Navient informing me they would deduct a total of {$230.00} from my checking account. On XX/XX/2019, I contacted Navient and spoke to a young lady that told me that my monthly payment would increase to {$280.00}. I told her I could not afford that much of an increase and asked her to lower it. She told me that she was doing me a favor and I should be grateful to Navient for not charging the full {$460.00}. I started crying and ended the call. About 10 minutes later, three police men knocked on my door and told me they had been contacted by Navient. They said that someone from Navient told them that I was threatening to do harm to myself. This was not at all true. I told them that I never said that, that I was simply crying and they left my house. I was very frightened and embarrassed that the policemen came to my house, and I was in awe that someone in another state could send policemen to my house without proof of any wrongdoing. On XX/XX/2019, I contacted Navient and spoke to a young man ( XXXX ) who told me that I was enrolled in a program in which I had to pay {$460.00} a month for six months, then pay a reduced rate for another six months. I told him I had not enrolled in this program. He told me that because I had already paid {$460.00}, he could not take me out of the program. I told him that I was not enrolled in the program. I told him that I had not paid {$460.00}. I told him that I had 2 emails from Navient saying that they would take {$230.00} from my account on XX/XX/2019. I asked him why Navient did not take the {$230.00} from my account on XX/XX/2019, as the email I received indicated. He told me that he did not know anything about the emails, and that because I had already paid {$460.00} in XXXX, I would have to pay {$460.00} for the next six months. At this point I asked to speak to his supervisor. After a long conversation with his supervisor, she told me that I had already paid {$460.00}, but that she would enroll me in the Rate Reduction Program in which I would start paying {$260.00} per month starting XX/XX/2019. I told her I had not paid the {$460.00}. I told her I did not have {$460.00} in my checking account. She told me not to worry about it, and that I would start paying {$260.00} per month starting XX/XX/2019. On XX/XX/2019, Navient withdrew {$460.00} from my checking account at XXXX XXXX, causing my checking account to be overdrawn and preventing me from paying other bills. I was also charged a fee of {$34.00} for Insufficient Funds leaving me with a balance of XXXX. On XX/XX/2019, I spoke with XXXX XXXX at Navient who told me that the money should not have been deducted from my account. I requested that Navient cancel all future deductions from my account because I did not want this mistake to happen again. XXXX told me that I could not do cancel all future deductions because it would take me out of the Rate Reduction Program if I did. XXXX told me that Navient was going to refund the money, but it might take a while depending on the actions of my bank. On XX/XX/2019, I spoke with a representative of my bank who told me that as long as I allowed Navient to take money out of my account, they could take as much as they wanted. He said that they would not prevent Navient from refunding the check, and that Navient had not contacted them to correct the mistake. He suggested that I contact the XXXX XXXX XXXX. Navient has not refunded any of the money, and my checks are being returned. Because of Navient I am falling further behind in all of my debts.
Company Response:
State: MI
Zip: 48335
Submitted Via: Web
Date Sent: 2019-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-15
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Student loans taken XXXX through XXXX have been in repayment and making payments per the graduate payment plan. Navient has placed the act in forebarrence on numerous occasions af a result of us not being able to make full payments. The balance continues to grow and now in wage garnishment. We tried to set up payments we're could afford and continued paying only to watch the balance continue to increase. My request 1. I would like copies if all loan docs with terms at time of disbursement. 2. Account history from direct loans, to sallie mae to navient. As the act has moved a consolidation has occured. I would like the original paper work on that consolidation and the terms at the time. 3. Reasonable repayment that will actually reduce principal.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX 2019, I received an email from Navient that states " Your Deferment has been approved. '' I did not provide authorization for this change in my payment plan to occur. I spoke with XXXX at Navient on XX/XX/XXXX who stated that when Navient receives information from a school that you are enrolled in they often switch the payment plan to deferred. I did begin a XXXX XXXX in XXXX. However, I never sent any information to Navient. I never personally requested that I be placed on deferment. It is very concerning that this loan management program has the authority to make changes to my loan terms without authorization of the loan holder. If it is not already, I feel this should be illegal to do.
Company Response:
State: CO
Zip: 80521
Submitted Via: Web
Date Sent: 2019-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A