Date Received: 2019-11-05
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: The company has called my relatives and friends in the past with harassing phone calls at early morning hours. I called them to ask them to stop calling people I know and to not call me. They claimed they recorded the request in their files and would stop. Today I received 3 calls from them in a matter of a couple hours. I finally picked up to see who it was and it was them again. I mentioned I had requested the calls to stop and they claimed they only had record of me requesting to stop calling my relatives and friends. I made it very clear again not to contact me. They put a manager on the phone that wanted to chat and rebuttal whatever debt he claimed to be calling about. I asked repeatedly to stop calling and that I had no interest in speaking to him. He got aggressive about it and I hung up. I am extremely tired of these calls. I have a medical condition that is amplified by stress and this company is greatly affecting my health and well being. I wish to not be contacted by them any longer. I placed my phone number on the DNC list today in hopes that will help.
Company Response:
State: NC
Zip: 28806
Submitted Via: Web
Date Sent: 2019-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: In XX/XX/XXXX my husband and I were discharged from chapter XXXX bankruptcy. My payments to navient were subsequently put into forbearance. I was also XXXX at 100 % during this time. This information was made known to navient through an application for XXXX and XXXX XXXX while in bankruptcy. Our bankruptcy attorney also sent a letter to nabi it indicating that it would be overbearing for us to make payments. Navient has a condition whereby if you are XXXX XXXX during loan repayment and in bankruptcy all I would need to do would be to file papers with this in mind. Later in XXXX I received letters from navient indicating that six of the seven loans in my name where paid in full. My husband and I were overjoyed that navient had approved the application for discharge under XXXX and XXXX XXXX. We subsequently stopped making payments on those loans but soon after received calls to make payments! We were concerned and told the representatives ( a total of 21 different representatives were involved in these conversations ) had we had received letters indicating that are loans have been paid in full. After much suffrage in sending copies of the letters, copies of the application for XXXX, letters from our attorney in bankruptcy, and notice of the correspondence received from Naviance, we were then told that the letters were sent in error ; and that we were still liable for the loans! You could imagine our confusion! Who would send letters with the exact loan numbers on them and the correct name and address ( we'd just moved and filled a new address with navient just a few months prior ) if this indeed was done in error! My response was that we were going to adhere to the letters and not make any further payments. Navient kept calling and kept insisting that we we're still liable for the loans. I saw it differently! Now they are telling us then we must have our attorney call to discuss this situation. we admit that one of the lungs was in my husband 's name and he is not disabled however he was in bankruptcy with me. And the other loan was a XXXX loan and could not be included in the letters that were sent, though it was! also, we were told that because my husband was a cosigner on one of the loans in my name, that he would then have to pay if indeed the loan was discharged. that doesn't make sense because if a loan is paid in full why would that be anything left over for him to make payments? Please look into this issue and direct as to where we should now turn! We appreciate the time you give this situation! And we are willing to go ahead with a suit if there is no other way to come to and honest solution. Thank you!
Company Response:
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: My federal student loans have been under investigation from XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX in early XX/XX/2019. The loans that I received violated the US consumer protection laws and therefore are under review. In the meantime, Naviet has called, emailed, and harassed my family, friends, coworkers, and I about paying back fraudulent student loans. I have since sent Naviet a letter via XXXX XXXX to cease communications with me via any other method than writing. Bellow is my track record of the events. XX/XX/19 - Naviet called my in-laws and my sister without my permission. Called and threatened my wife. Requesting a payment of {$2000.00}. The other option is {$600.00}. I was told to get another job. I have reached out to the state senator and my state representative. XX/XX/19 Called at XXXX mst. They made the same offer of {$2000.00} or six dollars hundred dollar option. I reiterated that I can offer {$100.00} a month. She raised her voice and started screaming at me about getting another job. I told her that I am giving her my offer and would be hanging up the phone. XX/XX/19 XXXX XXXX -I was asked if I pay other bills. Then told " Well, you paid all your other bills. '' Why dont you pay the {$2000.00}? I again reiterated what we could afford and pointed to the Financial form. Ive then explained that I needed to get into work, they would not let me go, so I told him that I would be hanging up. XX/XX/19 Talked with Navient. They called five minutes before work. I told him I can not talk because I was going to be late, and they said I must speak with them. Would not let me go from the phone. XX/XX/19 I received a message saying that they had not talk to me all month. This was a lie. XXXX verbally said that oh no we did talk to you on the XXXX. Whats your plan of action. I told her my plan was to pay what I can afford and she said that was not sufficient. She told me that I need to find someone else to help. I told her that that was my plan of action and that I need to go back to work. XX/XX/19 - XX/XX/19 My coworkers were sent an email a verification of employment with my Social Security number. This was not sent to our HR but our staff members. XX/XX/19 - XXXX - XXXX XXXX Called and hung up. XX/XX/19 XXXX - XXXX XXXX XXXX XXXX called again regarding a call we talked about previously. She had offered me a plan few few days prior that would require me taking out another loan. I told her I would speak to my wife about the matter. XX/XX/19 Sent authorization to XXXX XXXX to authorize them to send a letter to Naviet. This letter demanded that Navient stop contacting me or my family. Still I received additional letters from Navient. XX/XX/19 XXXX XXXX called at XXXX XXXX from internal recovery and left a threatening message saying I was blatantly disregarding her calls. I had already sent them a do not call me letter and I work XXXX XXXX - XXXX XXXX XX/XX/19 Navient called from a XXXX number and hung up. XX/XX/19 I was sent email 's to " Check my account. '' XX/XX/19 Received an Anonymous phone call from Mr. XXXX from Navient. He wanted to give me a " special offer '' to pya off the loans. They are STILL calling me!
Company Response:
State: CO
Zip: 80919
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have had auto payment on my loan with Navient for years. On XX/XX/XXXX, I changed the account on which the payment should come from. Since the change would not go into effect until the next payment cycle which was XXXX, I made a one-time payment using the new account so that I would not go past due ; this payment did go through. While I was on vacation I started getting VM saying that I needed to call Navient and make a payment so that my account would not be negatively impacted. When I got back XX/XX/XXXX, I logged into my account to see that the account from which my payment would be deducted was no longer linked. I went through the process to link the account and it said/showed the account was active. I then tried to make a payment and the system said that it was invalid. I tried to link my old account and went through the same process to have the system say it was invalid. I waited 24 hours ( XX/XX/XXXX ) thinking that I may have locked the account and tried to link both accounts. The same thing happened saying it was invalid. I called Navient and spent over an hour on the phone with 2 different people. The 2nd person said that it was my bank that was blocking the payment. I gave this person my credit card information to make a payment so that my account would not go past due. I then called my bank and spent another hour on the phone with them ; they told me that they were not denying the payment and that Navient was refusing to take the payment. I received an email yesterday from XXXX stating that I was going to get a refund for {$120.00} but the email did not give me any details except to contact Navient if I had any questions. Then last night I received a call from someone at Navient stating that my account was past due and that I needed to make a payment immediately. I stated that I had made a payment on the phone already and that my next payment was not due until this month. They told me that the person I spoke to from Navient made the payment directly to the Department of Education. This whole situation raises huge concerns of how my loan is being handled. Not only am I dealing with possible delinquency on my account but someone from Navient took my personal information and credit card information. Now I have absolutely no faith that my account has been handled properly this entire time. I do not know if payments and/or personal information have been handled appropriate.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I had three loans particular loan with Sallie Mae. The disbursement date, per Navient is XX/XX/XXXX. Loan 2 was sold to an unknown servicer on or about XX/XX/XXXX and the amount was {$17000.00}. I elected to pay interest -- and did pay interest -- while in college. Navient charged {$4500.00} in capitalized interest on XX/XX/XXXX. The sum of those two XXXX. The loan was again sold, increasing the principal amount to {$23000.00}. Today, the account balance is {$18000.00}, in excess of the original principal, {$17000.00}. It is not known what the loan balance would be, accounting for payments and interest had the servicer not miscalculated. I kindly request your assistance.
Company Response:
State: IL
Zip: 60016
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is regarding Navient for student loan servicing. I just tried to call them because I was not aware of who they are because I originally had dealings with Salliemae. Instead of explaining to me what was happening and answering my questions about why they had multiple filings for accounts on my credit report ( 2 of which were disputed and my credit score went up 41 points ), the young lady who was the representative became a bit combative and then started discussing a payment that was going to be due next week that apparently was past due. When I asked her how did she jump to that based on the questions I asked, as I still had no clue who she was or who Navient was, she started belittling me. I immediately figured it could be a social communication disconnect and asked to speak to someone else. She transferred me to a lady named XXXX who allowed me to explain what had happened. After thinking about it I believe that young lady was trained to behave in that manner, no one acts like that aside from terrible debt collectors from those scam artist companies that buy closed accounts. XXXX apologized and explained that Navient was formally known as Sallie Mae and that my account is under their new name. She provided me with the education institution where the loan originated from to clarify and verify the identity of this company. She suggested I file for forbearance. In my mind I started to realize that this is why this situation has never been fully rectified. I let her know that Navient has 7-10 accounts open or closed in my credit report and I know for a fact I didnt take out that many loans. The 2 that are greatly affecting my score need to be paid off and I asked for payment options or if there is an option for a payment plan. She seemed to want to rush me off the phone to Navient Department of Education when I made mention of payment arrangements. That was very odd. Once the consolidation officer for Navient picked up the call, and I explained that I wanted more details on how to settle my account she immediately began using confusing language and stated that theyre unable to settle or come to an arrangement in any regards to bringing my account active through those means due to congress passing a law due to the interest accrued, but she recommended that I just request a forbearance instead to bring my account active. I clarified what she was saying : basically that I can not settle, but pay the amounts listed on my credit report in full and that since congress had passed a law theyre unable to operate in any other way aside from me doing a forbearance to bring my account to current. She said she didnt say that. So I rephrased what she had said in the way that she had said it & she agreed. I knew then something was wrong, this is a major scam and it is making me feel extremely uncomfortable. I asked her for her first and last name so I could immediately look into reporting her. Talking to them to get results has proven to be useless. I looked this company up and discovered they were actually fined by the Justice Department for mishandling people in this manner and came across this contact information to file a complaint. It seems Navient is only there to keep you in debt, and that is pure evil. Im needing to move into a new apartment before my lease ends at the end of the year & get a car as I settle into a new area and they have ruined my credit! This is setting me back! Her name that she provided : XXXX XXXX XXXX. Please help.
Company Response:
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have a private loan with Navient and the company gave me option rate reduction for 9 months and this could have been extended to 36 months I was told on the phone ( 9 months ago ) I set up ACH through my checking account to pay this. Now after 9 months they do not want to re-evaluate my situation ( my financial income has not been changed since 9 months ago ). I called Navient today I was told the rate reduction does not apply to me any more. I asked for them to provide me a letter reason why I can no longer be eligible for rate reduction the answer was " we do not have to provide that to you ''. I believe based on my income I am not able to pay both student loans private and government unless there will be a reasonable solution to this. For past 9 months rate reduction has helped me temporarily continue living above poverty and attend school. I believe Navient deliberately creating all kind of obstacles to repayment and their action is illegal and they are discriminating based on my origin ( my name simply can provide my nationality ) they refused to this day backing up their claims in writing and that is a red flag. I am willing to pay my student loans based on my income. I am contacting my senator and state reprehensive to my area to informed them about this fraudulent activity from Navient. The company has been under fire from other borrowers for same reason which is called a " deceptive business practice ''.
Company Response:
State: VA
Zip: 20120
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I lost my job a few months ago ( XX/XX/XXXX ). I did not call Navient until today ( XX/XX/XXXX ) because I figured I would have full-time employment by now. I was told I do not qualify for forbearance because I've maxed it out, I was told I do not qualify for a deferment because of the loan types, I was told I could not lower my payments beyond what they were. I do not have income or a means to pay them. I was told to contact a placement agency but there wasn't anything they could do to work with me on this. I am not trying to avoid paying my debts but I have been struggling with this since my graduation in XXXX. Both companies are not being held accountable for this situation yet I am.
Company Response:
State: CA
Zip: 94122
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: When, the cosigner and I made payments the balance never went down. We tried to get a reduction in the payments or the interest rate and they declined. We did a financial statement over the phone in that was also declined. They double the payment if we would went thru the program which was 6 months. When you asked fir a forbearance they want to charge you {$50.00} dollars. But, you would not get the paperwork. I asked for a XXXX paper work they claim they sent it but never received the documents. We also asked for a payment arrangement. Which they gave us three options. Reduce interest which was about {$45.00} dollars, the second option was for bring the account current with the past due amount. Which, I told them everybody is on SSA or on FMLA. They didn't want to help us. Our last conversation with Navient was for a settlement which was 95 percent of the balance. Which, they never gave to much details on payment arrangements or how long the terms was. The amount was XXXX which couldn't help us. I notice the loan have been charge off in XX/XX/2019. Also, I notice on a letter that you sent by CFPB in XX/XX/2019 you stated on a envelope with our last name no forward address, unable to delivered. The postal office add this information. We received all of our mail by the XXXX which was provided to our customer service rep multiple times and there was a forwarding address on it. This label look made up.
Company Response:
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Navient, who apparently is a debt collector, has called my home for the past 3+ months, 2 times every single day about debt for a person that is not in my family. They leave messages about this person who apparently has debt and request that i call them back, 2 times a day around XXXX and around XXXX, every day. Me, nor my wife, nor my XXXX XXXX daughter have have ever had any school debt, and both of us are college grads and I'm a XXXX. I have a common last name apparently. They are violating FDCPA law by leaving messages about someone else 's debt on my phone and asking me to return their phone call more than once, which they do every single message, 2x a day. I have emailed them asking them to forward my email to their legal dept to remove my phone number from their system and today I receive a message, case closed, with no action. I'm tired of deleting 14 messages every week and more tired of listening to them call at XXXX every nite when I'm with my family.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A