Date Received: 2023-07-10
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: RE : XXXX XXXX XXXX XXXX Discharge Dear Whom, it may concern, I am writing this letter because I received an email from the Department of Education regarding the Navient private loan settlement lawsuit. This lawsuit was related to the XXXX XXXX XXXX XXXX XXXX. I want to see if you can help me with the proper process for discharging my request because it is unfair that I continue paying for XXXX XXXX XXXX XXXX when they misled me during my journey there. I enrolled at XXXX in 2002 and had to sign a private loan when I did not have enough federal loans to cover that academic year at XXXX XXXX XXXX XXXX. I was forced to cosign since my credit was terrible, and we signed up for one. Now my cosigner XXXX XXXX, and I am burdened with it. The School told me they would provide accessible interpreters for my XXXX. I believed them and enrolled in the school, taking up XXXX XXXX. A year later, there was a situation where several XXXX students and I had a lawsuit against XXXX for not providing us access to interpreters and needs. They settled the case with us, and we received a little bit of money, and I could not return to school due to this matter. Years later, I am still paying for something that I could not complete at XXXX XXXX XXXX XXXX, and they have misled me into thinking I could have gotten my degree. I am writing this because it was unfair, and I was led to take out an unnecessary private loan I look forward to your help and assistance in resolving this matter.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: When trying to refinance my student loan with the aim of achieving a more manageable monthly payment, Navient re-fi quoted a rate of 7.55 % as a " lure '' to proceed with an application, only for the end result of my application being a rate of 9 % ... During the eligibility process we gave them correct data, but this seems to be pure misleading of consumers to get them to file an application and hope they will just accept it. Navient has been in this business for quite a bit and they should have better financial models/ to provide a more accurate interest percentage in advance of going through the actual application and a hard credit pull. We spoke to XXXX, XXXX on XX/XX/2023.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: I was reviewing the Navient XXXX in reference to XXXX loans. I noticed a loan that is a XXXX XXXX Loan. I notified Navient and requested documents. I was provided with documents that contained a signature and no date. The signature is of concern as it is not an original signature. I continued to request the credit application, loan agreement, and disclosure along with any documents attached to my name pertaining to this loan. I called Navient multiple times because I never received the documents I requested. This year I notified Navient I would be seeking legal action. When I informed Navient I would seek legal action the loan disclosure and agreement were sent to me. I called XXXX and obtained a school ledger with payments and there is no history of a XXXX XXXX. I requested a copy of the cashed check to verify the signature and Navient informed me that they did not have a copy of the check. I requested the name of the bank along with the bank account number that the check was deposited into to validate that I did not cash a check although Navient was unable to provide me that information I was informed when I called Navient. I reviewed all my bank statements which validate I did not cash a check for the loan amount of {$6000.00}. It is extremely concerning after years of requesting the disclosure for this loan I received it this year after informing Navient I will be seeking legal action. Not only did I receive XXXX disclosure after informing Navient that I would be seeking Legal Action I received a second disclosure There is no exception to changing dates on disclosures and if something is changed the consumer should be notified and provided a copy which I was never notified of because this is not my loan. I have tried to resolve although Navient has not been of no assistance. I requested all payments be returned with interest. If Navient is not going to return my money with interest the course of legal action will be the next step. I have attached all documents that contain this matter that validate I did not authorize this loan. The loan application has a signature that is not consistent with my signature, the application is not dated, the documentation required pertaining to salary is not correct for that year, and all other highlighted fields that were left open or have missing information. As for the gross annual salary which is incorrect if Navient will also provide the documents that were provided to income. Please note the second bottom left corner that has numbers XXXX as the other pages do not. The second-page border to the right does not have the same writing as the first and second pages. The wet signature is of concern along with the typed signature neither are consistence in a form that I would sign. Navient was not sending statements monthly up until the past year when I addressed concerns over this loan. I requested multiple statements be sent USPS although Navient did not honor my request for paper statements. On the payment history, the late fees are due to Navient 's noncompliance with not sending paper bills. Reviewing my tax information from XXXX up until XXXX Navient did not send XXXX yearly. However, I did receive XXXX XXXX dated XX/XX/XXXX and others dated XX/XX/XXXX which are and which is Reviewing the Navient portal this morning I also noted concerns pertaining to the listed owner. Last week the lender/owner of this loan was Navient XXXX XXXX XXXX XXXX This morning the owner of this loan is Navient Credit Finance Corporation. Every time I call Navient in regard to this matter the response is " We can confirm the check was cashed '' If that is the cashed I ask that Navient provide confirmation to resolve this matter. The lender on the Navient XXXX was Navient XXXX XXXX XXXX. Although this week the lender is Navient Credit Finance. I am requesting Navient provide the XXXX number for the " Navient XXXX XXXX to validate that this lender exists and can practice in Massachusetts. Navient Credit Finance is listed as the lender on the Navient which appeared this week as the lender is listed under XXXX XXXX XXXX XXXX although XXXX for Navient XXXX XXXX Loan is not listed on the XXXX website or has an affiliation with that XXXX number. I understand a company may have multiple trade names under XXXX XXXX. Although NAVIENT XXXX XXXX XXXX is not listed.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I have been a customer ( in goid standing ) with Navient. On XX/XX/XXXX I was suddenly diagnosed with XXXX XXXX XXXX XXXX I immediately contacted them to see how to defer my loans. I was told I couldn't but could request a medical forbearance. I sent them the XXXX XXXX XXXX form. They refused it, saying I needed to use their form. This would require me to download, print, go back to the doctor to complete then upload. The site was not user friendly, and I was in the hospital. I emailed them to ask that they accept the Federal form and they refused. Basically said too bad. I kept in touch and let them know I was being considered for SSID and once that went through ( it was being expedited ) I would pay my bill. They started threatening calls, emails. They even called family members, and my aunts ex husband whom hasn't been in our family for 30 years! Now they are threatening credit reporting- all while I am in treatment fighting for my life. AND my arrears are only {$300.00}!
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My XXXX XXXX bankruptcy was discharged in XX/XX/XXXX. After a period of time, my student loan was placed in Administrative Forbearance. When I called about the forbearance I was never given any information other than it was categorized under a bankruptcy code. As of XXXX, the {$15000.00} loan has accrued {$21000.00} in interest. I just found out 3 days ago that my private loan was part of a class action lawsuit that I never knew about. After calling several times asking for details regarding this class action lawsuit the representative couldn't provide a case #. Not only has the communication been poor from Navient on my account, but it has been mismanaged. This is the worse company I've ever had to deal with. There's no relief for consumers that had private loans facing financial hardships. All this has done is put me in further debt because of bad communication.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I spoke with Navient in XX/XX/XXXX about a potential late fee over the phone and through their messaging system. The rep over the phone said as long as it was paid by a certain date, ( which was a few days into XXXX ) a late fee would not be applied. I paid the loan before the late fee, so no late fee was applied. I continued to pay my loan before the late fee date. The ONLY date that was missed was for the XXXX payment, and the late fee was applied for {$3.00}. I paid that late fee and even made XXXX payment early. I noticed another {$3.00} fee was added to my account when XXXX statement was generated online. At this point, I was in the hospital recovering from emergency XXXX and decided to deal with it when I was XXXX. After I was XXXX, I emailed Navient through their messaging system on XX/XX/XXXX asking about the late fee and how it should be removed since I paid the XXXX late fee I owed. However, I have never been XXXX month behind as I have only been a couple of weeks behind at most. Clearly if I were XXXX month behind, this would have been on my mothers credit report as well as my own ( It is not. ) I am attaching the payment history as I am not paying the late fee since it was paid. I would like this resolved quickly as it looks like they are attempting to make up past late fees, which is not legal. Again, I paid within the date before late fees were applied. Navient gives you until a certain date through the next month before late fees are applied and I have only missed this date XXXX time. The response I received is below from XX/XX/XXXX Your loan ending in XXXX has been XXXX month behind on payments since your XX/XX/XXXX payment due date. The payment for this due date was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX then was returned on XX/XX/XXXX. Due to this returned payment, a XXXX XXXX was assessed on XX/XX/XXXX. Please note a XXXX XXXX can not be satisfied until it is disclosed on your monthly statement. Payments made before the disclosure of the XXXX XXXX will not be applied to the XXXX XXXX and can not be altered. We appreciate the opportunity to serve you. Best Regards, XXXX, XXXX Servicing XXXX
Company Response:
State: MI
Zip: 48439
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have had my FEDERAL Loans forgiven that were issued for a BOGUS degree by DOE. Per CFPB, Private Loans discharged under XXXX XXXX are not collectible. Navient illegally and unethically charged subprime interest rates on Private Student Loans, Collected on Private Student Loans after bankruptcy XXXX XXXX entered in XX/XX/2015 and Discharged on XX/XX/2015. They lied about forbearance and also about removal of US Veteran co-signer. They said I had to pay on these Private Student Loans even after XXXX XXXX. I opened complaints with the XXXX, Fl. Atty General, and PA attorney general, about what the CFPB has ordered Navient to do per the following : " CFPB examiners have apparently uncovered that certain loan servicers have been unlawfully sending discharged loans back to collections after bankruptcy courts had discharged them. The CFPB is directing these loan servicers to return any payments that were illegally collected from consumers and immediately stop using these illegal collection tactics '' I paid on the 2 loans exorbitant interest rates and would never see the end of the loans because Navient continued to adjust the subprime rates on the 2 Private Loans, seeing no end in sight to these Private Student Loans, and after my 3 year bought with XXXX and procedures, I had to enter into XXXX XXXX hoping to get a fresh start, yet these people continued to call and pressure me while I was trying to recover from my procedures and financially after XXXX XXXX. They close the complaints without even looking at these deeming these Duplicates. As per the CFPB order NAVIENT must return any payments that were collected after XXXX XXXX Discharge. I am once again attaching evidence of their subprime interest on these loans whose origination amount were nothing compared to the interest and fees they placed on these loans. Navient as per the CFPB needs to return all funds collected post Bankruptcy filing. Once again I am attaching all documentation on the 7th complaint I make on this. This was also referred to the XXXX, the Attorney General for PA and FL, and sent to those in process of the pending class action. Navient collected these funds illegally and closing this as duplicate without a resolution is unethical and illegal since they owe me these monies. They have illegally closed prior request to avoid refunding my monies.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been in contact with Navient for years asking for information regarding the school that I attended which was closed down due to fraud asking for assistance. They refuse to give me any information or advise me what action I need to take to regarding the student loan balances. I received an email from Navient advising me my forbearance period expired and to contact them before XX/XX/XXXX to prevent any negative reporting. I called on XX/XX/23 and spoke with an agent requesting a forbearance and that I filled out the borrower defense package which they never advised me of even though I reached out to them numerous of time asking for assistance regarding the school and the student loans. On XX/XX/XXXX I received an email from them saying my loan is still pass due. I called again and spoke with a representative who advised me that once the borrowers defense is received they will place the account in an administrative forbearance. I told them that I spoke with a representative on XX/XX/23 requesting a forbearance until the borrower defense issue was resolved and she basically disregard what I said, she advised me that I would be reported delinquent to the credit reporting agencies even though I reached out requesting the forbearance prior to the reporting. I asked to speak with a supervisor and he basically told me the same thing and acknowledge that I spoke with the representative and advised me to contact the credit reporting agencies to dispute the reporting. I asked him for the same forbearance, he went over disclosure statements and it is now six hours later and I still haven't received any confirmation of the forbearance I have asked for twice.
Company Response:
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Navient is calling anyone who is associated with me. They are giving personal information and information about the private student loan debt that a cosigner paid. A navient employee called an ex significant other of mine last week. He told him I owed a debt and was defaulted. He was asking XXXX for my personal information and telling him I would get sent to collections if he did not tell him my contact information. The private loan account is closed and charged off and has been since XXXX XXXX. My mother 's boyfriend XXXX also got a call about this same account and was told he needed to tell them my information or it was going to be very bad for me. This event happened last year in XX/XX/. Navient is breaking the fair practice laws, threatening people and making false claims while giving out my personal information.
Company Response:
State: OR
Zip: 97838
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I am reporting XXXX XXXX of Navient for two separate instances I dealt with on XX/XX/XXXX. That morning when I came into work, my manager had informed me there was a form my HR representative, XXXX, had received for me to fill out. Upon looking at it, it was a verification of employment form. I was confused because typically with a VOE it was my understanding that that is completed by HR and sent directly back to the debt collector, so I went upstairs to talk to XXXX. She advised me that the way I thought was typically how a VOE does work. She said however the form was unusual in that it was addressed to me the employee to complete, and not addressed to HR. XXXX called the number Navient provided and she said she spoke with a woman ( she didn't say whether it was XXXX just a female ). The female representative told my HR that I had talked to Navient and requested they fax that VOE over to my employer so that I could fill it out and send it back to them. I informed my HR that that conversation never happened. I had never spoken with Navient about a VOE nor requested for them to fax that form to me let alone my employer. The representative blatantly lied. I feel this falls perfectly under the definition of deceptive practices as outlined by the FDCPA and Frank-Dodd Act. Later that day I was talking to my Mom who is the co-signer for my student loan. She told me she spoke with XXXX XXXX that same day and revealed that on that phone call XXXX had threatened her saying, " Do you know what they do to teachers?!? ". My Mom was very shaken by that and I advised her that under the above mentioned debt collection laws, that falls squarely under abusive language. From my understanding XXXX is a manager at Navient, which is extremely alarming because she most likely is training people under her as well to use these deceptive and abusive practices. As a whole, I have had a very negative experience with Navient ever since I started paying them. In these last several months I had gotten behind on my payments in Fall of XXXX and was making an effort to keep up. Each month they would send me a letter stating " X amount is due to avoid default '' and I would find a way to pay it. I believe it was in XXXX of XXXX, the letter I received was asking for about {$90.00} to avoid default. I paid about {$200.00} thinking that would help me get back on track. However the next month, Navient 's next letter said I had to pay at least {$350.00} or so. It seemed odd that it would be so much higher after I had already paid over the minimum the previous month but I still paid it. Every month after this the amount went up as I kept making payments until they were asking for about {$1000.00} a month to avoid default. This was over the course of maybe 5 months and I couldn't afford these payments any more. I made these payments directly to Navient through their website and had them auto-allocate the payments. It doesn't make any logical sense why the payments would increase each month so drastically when I was paying exactly what they were asking if not more. The only thing that makes sense to me is that I was paying it so they decided to just keep raising the amount. There was no rhyme or reason to the amounts on the letter. Navient has done many things to me over the years that have felt shady but these two experiences with the VOE and XXXX XXXX threatening my Mom were really the cherry on top. If they are using deceptive and abusive practices with me, I'm sure it is happening to other consumers as well.
Company Response:
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A