Date Received: 2019-11-15
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I received the bankruptcy discharge statement dated XX/XX/2019 stating that this debt was discharged without payment. The company on this discharge was called XXXX. I have been receiving emails from Navient about payments since XX/XX/2019. I contacted Navient and told them the debt was discharged. I faxed them the paperwork on XX/XX/2019 showing that the XXXX debt was among those discharged in my bankruptcy claim. They haven't responded except to say that my payments are going to increase.
Company Response:
State: GA
Zip: 31558
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: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2018, XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Pioneer Credit Recovery - Robodialer calls every single day and has been for months. Sometimes multiple times a day leaving a message on my business voicemail system. The message has no reference number. When we call them to have them look up the phone numbers they are dialing they can not find them in their system to eliminate them. We have done this over and over and had no luck in eliminating these phone calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45212
Submitted Via: Web
Date Sent: 2019-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-14
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: XX/XX/19 - I have obtained a large amount of money from a Mortgage refinance to finally pay off my private student loan debt that is now {$100000.00}, with all of the interest & capitalization they have added. My Mortgage Company sent me eight ( 8 ) checks payable to Navient since they have all of my loans separated into ( 8 ) different account numbers which will pay my entire loan balance in full. I contacted Navient to access my account and obtain all of my account numbers to add to the check payments and get them right out in the morning mail. There are two ( 2 ) options now when you log into your account to get a payoff amount. Option # 1 - Online payment {$100000.00} or Option # 2 - US Mail {$100000.00}, which is significantly higher! In these two ( 2 ) options, Option # 2 has a circled letter ( I ) to click on for an explanation which states that if you do not pay your loan off digitally, they will charge a penalty of another {$370.00} plus possibly more added interest for taking Option # 2 and paying your loan off by check using US Mail. This is absurd, they have already charged me interest after more interest and capitalization costs on top of that to make my college loans well over XXXX XXXX XXXX XXXX and this can not be legal. I am an XXXX XXXX XXXX to which I am very dedicated and I love my job. However, in this position you must work very hard and it is also a requirement to continue your education which I have just now completed at XXXX years of age with two ( 2 ) additional XXXX Degree 's but unfortunately, I also have my additional Federal School debt that is now in excess of {$120000.00}. At this time, I can not imagine how long it will take me to ever get this loan paid off, but I will somehow. I believe that Navient has continually added fraudulent interest charges on all of my private student loans since the start of my education an I do not want to have to give them another cent over my huge {$100000.00}.
Company Response:
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2019-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-15
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: On multiple occasions starting in 2017, Navient would call me offering options when I couldn't pay. When I spoke to them they would only offer Forbearance. Which I took, because I didn't know what else I could do. I now know that this would increases the money I owe over time. Most recently was last week over the phone. I also recently called to try to get a lower monthly payment, which is the reason I wasn't paying. I was immediately put on forbearance and then the estimate for repayment was about $ XXXX month. They just resent a new rate, without my consent or application for {$810.00} which will be crippling. ( Email on XX/XX/XXXX ). It states my payment is due on XX/XX/XXXX. But in my account it says a payment is due XX/XX/XXXX. Overall I find the site hard to determine what is real. Over the last 5 years Navient has tacked on extra $ - from {$23000.00} to XXXX and respectively from {$48000.00} to {$67000.00}.
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2019-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-14
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: They are trying to have me pay. I am not able to pay anything due to XXXX and not being employed. I am desperately struggling paying this loan back while having other obligations beyond my control.
Company Response:
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2019-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: To Whom It May Concern : Is my correspondence with Navient with whom I apparently owed {$49000.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. You will see in my letters dated XX/XX/2019, XX/XX/2019, and XX/XX/2019, that I have repeatedly made these offers. Navient on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2019, they have not given a response. This settled the matter once and for all on XX/XX/2019. To date, Navient has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. I have also sent this information to XXXX, XXXX XXXX XXXX and XXXX. I would appreciate if you would review my documentation and obtain a statement of facts from Navient outlining exactly why they can not produce the original instrument of indebtedness. The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.
Company Response:
State: CA
Zip: 93458
Submitted Via: Web
Date Sent: 2019-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was asked by my sister to co-sign a student loan to help her through school to become an XXXX when her husband ( now divorced ) refused to help his wife at the time. My role as co-signatory began in XXXX or XXXX with a loan that originated with SallieMae that was eventually sold to NAVIENT in approximately XXXX. There was one loan account with 2 loan group numbers. For simplicity I will refer to them as LOAN 1 and LOAN 2, which I would only consistently receive the monthly loan statement for the lesser of the two loans LOAN 1. I didn't even realize there were two loans until XX/XX/XXXX when the " Annual Cosigner Private Education Loan Interest '' report showed up for LOAN 2. Unfortunately, all of this came to light when my sister not only recently defaulted on the 2nd portion of the loan, but had also been continually delaying/forbearing loan LOAN 2 that has resulted in capitalized interest that ballooned an original loan amount of {$18000.00} to a recent balance of {$63000.00} as of XX/XX/XXXX. I was aware of none of this, until I spoke with NAVIENT on XX/XX/XXXX to obtain the balance information. Representative examples of the documentation will be included with this complaint, but as a co-signer I was not given full disclosure of the loan with the higher balance, but only received the " Annual Cosigner Private Education Loan Interest '' until she stopped making the payments, then the late payment notifications began arriving, yet NEVER a statement of the loan. I was able to monitor the lesser loan LOAN 1 with timed monthly statements from NAVIENT. Had I received the same level of information on loan LOAN 2 I would have been able to intervene on the careless delinquency of my sister 's pending default, and definitely before the loan ballooned out of control. I am disappointed in NAVIENT 's inconsistency with statement reporting and failure to fully disclose the information of the loan out of control, until the primary account holder, i.e. my sister, defaulted on her payments. Furthermore, there was NEVER disclosure of the interest rate or variability of the interest rate in any of the correspondence on loan LOAN 2 from NAVIENT. We are looking into legal counsel about predatory lending practice, but the concern here is lack of disclosure of all information consistently and effectively to me as the co-signer.
Company Response:
State: WA
Zip: 98512
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-14
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I've contacted Navient Student Loan requesting a lower and more affordable monthly payment, but my request have fallen on deaf ears. The company is wanting me to make a monthly payment of {$1500.00}, which is completely unattainable. {$1500.00} a month is more than 70 % of my monthly income. I explained this to the representative and asked if there was an income-based payment program I could participate in, but I was told that was not an option. I'm completely out of options at this point.
Company Response:
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2019-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hello - My name is XXXX and I have reviewed my student loans with Navient and how my payments was being applied when I started making payments. I've graduated from the University of XXXX about 10 years ago. As I was doing my research and analysis, for over 3-5 years, my payments were applied to interest and fees rather than the principal. There are instances where payments were applied to interest and very little to principal and vice versa. I've called Navient several times couple of years regarding how my payments are being apply and the customer representative failed to assist. I have paid for my student loans for over 10 years and it should be paid off by year 10. However, as I was doing my analysis, my principal isn't going down because the system are applying most of my payments towards interest and fees and then very little goes towards principal or even XXXX. I called Navient couple of years ago and just gave up. As a customer with navient student loans, if there is a compliance issue around payment systems and failed controls within their payment operations are not adequately effective, an issue should be raised if they were aware or had a good compliance program and should take actions by remediating the issue accordingly. However, I am one of Navient 's customer to be effected by their ineffective payment systems that is set up through system logics and metrics to gain more money on their interest by applying my payments I've made for over 10 years towards interest rather than principal. As a customer, I would like to be refunded if my student loans were supposed to be paid off years ago, but was not because of a failed payment system and ineffective controls around the payment system, I would like to know why am I still having to make payments and how will this be corrected on my behalf? In addition, only with the support of CFPB, I would also like to file a lawsuit because it's something like this that a billion dollar company takes advantage of an average consumer to gain revenue and incentives for themselves and executives. Without CFPB support, I will not file a lawsuit. I honestly do not want to file a lawsuit, however, as a young XXXX XXXX female, I would like to have a voice and be able to put my foot down to companies like this to let them know that it is not ok to harm consumers to gain revenues and incentives for the executives and the company as a whole. It's just not fair. I also work hard for my money as an XXXX XXXX female. The reason wny I had to get a student loan is because my parents came to america in the 1970s as immigrants to gain freedom in America with no money. They ended up with a job in hard labor where they are extremely proud of and the first {$0.00} my mom made, she went to the flea market to buy herself a shirt because she did not have any. After 30+ years in hard labor, she is still at the same company today getting paid $ XXXX/hr. They worked hard to provide for me but was not able to help me as much through college but they tried. This is where they pushed me to get student loans because they wanted me to finish college because they did not want me to have a lifestyle to work in hard labor. They did not want to see me struggle in life working in hard labor like they did. So this is where they pushed me to get student loans so that I can get a college education. Thank you, XXXX
Company Response:
State: TN
Zip: 37067
Submitted Via: Web
Date Sent: 2019-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A