Date Received: 2019-11-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Was informed XX/XX/XXXX that money would be taken out of my bank account on XX/XX/XXXX if I did not submit in-school deferment forms. Faxed in-school deferment forms to Sallie Mae on XX/XX/XXXX. Was told by an agent on the phone XX/XX/XXXX there was no record of them ( despite the fact I have a receipt of a successful fax to the proper number ). She directed me on how to upload them online. Was told on the phone by a second agent three hours later that the forms were received. Was told by BOTH agents on XX/XX/XXXX that absolutely no money would certainly be taken out. Money was taken out XX/XX/XXXX. Spoke with an agent XX/XX/XXXX who contradicted the two agents I spoke with XX/XX/XXXX. She asserted the payment could not be stopped and denied that XX/XX/XXXX was the date they told me money would be taken out ( which they did tell me on XX/XX/XXXX ). She also told me it was my bank who decided to pull the money then, not Sallie Mae ( which is false ). This agent went on to tell me Sallie Mae would continue to collect monthly payments even if my in-school deferment was approved because I enrolled in auto-debit ( on XX/XX/XXXX ), which is not in accordance with the auto-debit Terms and Conditions. She also went on to say that the other agents I spoke with had no responsibility to tell me that I should withdraw from auto-debit.
Company Response:
State: MD
Zip: 21742
Submitted Via: Web
Date Sent: 2019-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-03
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: In early XX/XX/XXXX, I filed a complaint against Navient because they refused to lower my monthly payments, even though my wife and I both have student loans to pay back and we have other bills we have to pay. Navient responded a few weeks ago, stating that they could not lower my payment and the calculations are correct that my monthly payment is around {$270.00}. I went to pay my student loan for this month, and my payment is now up to over {$300.00}. This is absolutely unacceptable and ridiculous. They swear up and down that the calculations are correct, and yet they raised the payment amount. This is fraudulent and criminal.
Company Response:
State: NY
Zip: 14304
Submitted Via: Web
Date Sent: 2019-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Student loan through Navient. I have 3 loans, 2 with lower interest rate, 1 with a higher rate. Payment plan is automatic at {$1300.00} per month ; {$830.00} to the lower interest loans and {$470.00} to the higher interest loan. I made an additional {$1000.00} dollar payment directed to the higher interest loan XX/XX/2019. This was done specifically to pay off the higher interest loan faster. On the following 2 months of auto-pay, the monthly {$1300.00} changed in distribution to {$1100.00} toward the lower interest loans and decreasing to {$170.00} toward the higher interest loan. This obviously negates my ability to pay off higher interest loans faster than lower interest loans. It is not much money difference to me, but I doubt this practice is legal and when applied to numerous customers it probably adds up to big money for Navient. I would be happy to be a part of a class action suit.
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2019-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-03
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: My XXXX is the primary loan borrower and I am the co-signer. I and my XXXX in XXXX had tried to work with Navient/Sallie Mae to repay this loan, however, they are not willing to work with her in a reasonable payment plan for her budget. I did make interest only payments when she could not pay in previous years but I became permanently XXXX in XXXX and on Social security so I can not afford to pay any payments. I will never be able to work again and will be on XXXX for the rest of my life. I asked to be released from the loan due to my XXXX. They told me, the co-signer, that I can not be taken off the loan for permanently being XXXX but if the primary borrower became XXXX they would take her off. Then in XXXX - I, the co-signer, received a letter from Navient stating that if I paid {$10000.00} dollars they would take me off the loans. I am lucky if I have {$100.00} dollars in savings so where would I get {$10000.00}. I have always paid my bills and had excellent credit - now my credit is ruined and I am getting collections agencies hassling me for full payment or a judgement will be brought against me. Is there anything that can be done to help me & my XXXX? PLEASE HELP
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2019-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been trying hard to put in a little extra a month to my two remaining loans through Navient. The interest rates are the same, but one is around {$600.00} more ( {$2700.00} vs. {$3300.00} ), so I want to pay the extra to the one with the higher balance. Each time I make an online payment, I specify which loan I want the money to go to, and it always gets split between the two. The last time this happened, XX/XX/2019, I requested that they fix this. Two days later, they responded saying they would make the change but not for 7-10 business days. I just made another extra payment yesterday, XX/XX/2019, and the exact same thing happened ; the money ( {$44.00} ) was split between the two loans. I don't want to have to keep contacting them to fix a problem that shouldn't be happening in the first place. I feel like they continue to do this just to get a little extra interest money from me which I don't think is right.
Company Response:
State: VT
Zip: 05452
Submitted Via: Web
Date Sent: 2019-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX I consolidated my loans to navient. I just paid over the phone and paid the amount due. In XX/XX/XXXX I started to pay more than the minimum payment and always selected to have any overpayment paid directly to the principal and not advance my due date. After a few payments the option stopped appearing. Months later I noticed on my bill that they were automatically advancing my due dates. In XX/XX/XXXX I changed it online for all overpayments to be applied to my principal. I then noticed that on my XX/XX/XXXX bill I was charged more interest than I owed from previous payment. I called and they reviewed it and said they would fix it and determined it was because even tho I was making full payments my interest was not being satisfied first. The women I spoke with said she could not explain it and the accounting department would have to clarify. I asked for this to be clarified and why this was happening and for them to review my account. Even after calling again nothing ever came of it and the only response I got was that my interest wasnt satisfied and it needed to be satisfied before I could pay on the principal even tho for years I had been paying every single month and more than the amount of interest that would have built up from the previous month. Every time I call they say it will take weeks for a response so I have given it plenty of time. But they are still advancing my due date and not applying my payment to my interest first and directing everything else to my principal. I can find exact dates of phone calls but it would take some time to check back on my phone bill so if its not necessary I Don't want to waste my time. I am extremely frustrated and just want my money to be allocated correctly and for my past payments to be corrected.
Company Response:
State: PA
Zip: 15317
Submitted Via: Web
Date Sent: 2019-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-02
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Good morning, My wife ( XXXX XXXX ) and I make {$2000.00} payments to Navient student loans trying to pay off her student loans with a balance of {$31000.00}. We began making those payments on XX/XX/2019. We can not get information on Navient 's website or over the phone as to the balance of the loan at each month we make the {$2000.00} extra payments. We don't know whether the extra payments are going toward the highest interest loans. We have made requests, but received not response from Navient as to weather this is happening. We can not reach a person at Navient to determine if our extra payments are being applied to the highest interest payment. We have also tried to determine whether the payments are applied. We have also tried to determine if there is an option for lower loan payments through autopay as other loan service providers do, but no information about this is available. I work for the federal government and am posted to a hardship location with my family and have very limited internet access and can not reach anyone on the phone despite numerous attempts. The company will not send us monthly statements to determine how much we owe or how much progress we are making toward loan payoff. These {$2000.00} payments are our family 's largest monthly expense. We took choose a difficult post for the sole purpose of paying off XXXX ' loans, but we can get no information about the progress we are making in paying them off nor can we determine how long we will continue to make these payments because we do not know where the payments are being applied to. These loans create tremendous hardship for our family. We support parents financially and have XXXX children of our own and want to begin saving for their education, but want to pay off these loans first. With no information about where our payments are applied to or how long it will take to pay off these loans, we can not plan for our future financial obligations. My Husband XXXX took a federal job in an isolated hardship post overseas for the purpose of paying off these loans faster with higher income. He is away from family for extended times and we spend years outside the U.S. to save money to pay off these loans. We have a right to know where our payments are applied to.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I feel Navient misled me about the public service loan in XX/XX/XXXX. Navient led me to believe that I was on my way to being qualified for a public service loan due to making nearly 10 years of student loan payments on time. I completed all the paperwork including having former employers to sign off on my service and submitted everything only to be told after the fact that because I had not combined my two Stafford Subsidized loans I would not qualify, although both loans are servi ced by Navient. I have since thrown away all the PSFL paperwork believing I did not want to risk changing anything to my federally subsidized loan and that I would be able to pay off the loan before XX/XX/XXXX. Thanks for hearing my frustration. It is sad that financial institutions are allowed to take advantage of students in the way I and others -- I'm now learning, have been taken advantage of.
Company Response:
State: FL
Zip: 32250
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-02
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: 1. I called several times over more than 6 months regarding the same problem. Each time, a ticket is submitted, but the issue is never addressed and the case closed. The problem : my interest rate reduction was removed. The last time I called ( prior to today ) was XX/XX/XXXX. I had been calling for months prior to this and only during the XX/XX/XXXX phone call was I told that the reason the interest rate reduction was removed was because on XX/XX/XXXX a disaster forbearance was applied to my account. I informed them that I never applied for this. They then told me that I automatically qualified and that they were federally mandated to apply this forbearance to my account without my request or approval. I then told them to provide proof of this, which they could not, so the agent submitted an internal ticket to correct my account on XX/XX/XXXX. On XX/XX/XXXX, the case was closed without any action. They said I would get a letter in the mail regarding the response. I never received a letter. I called today and explained the situation once again. The agent again tried to do what they have been doing, which is to submit an internal ticket and tell me I would get a letter in the mail after the ticket was processed next week. I told them that this was not acceptable. I asked them if a letter had been sent out from the XX/XX/XXXX request. They confirmed a letter had not gone out. I asked why a letter had not been sent and he replied that I had to request it. I asked him if the letter I was supposed to receive for his ticket today would be sent, since that is what he had just told me but I did not ask for the letter because I assumed it was implicit in the statement " you will get a letter in the mail. '' He had not response. So I requested that all letters be sent, the one from the XX/XX/XXXX request and today 's XX/XX/XXXX request. I also explained in detail what I needed in the internal ticket request and had him confirm by telling back to me what I told him, which was the following : ( 1 ) proof of what entity initiated placement of disaster forbearance for which I did not qualify, did not request, did not approve, and was not informed of, ( 2 ) removal of the forbearance, ( 3 ) reinstatement of the 1 % interest rate reduction, ( 4 ) retroactive adjustment of interest/late fees/principal on my account. He confirmed that a letter of this request and its response would be sent to me by mail. I also requested on XX/XX/XXXX a ledger of each loan detailing all charges from origination. I let them know that the loans were originally from XXXX prior to being sold to Sallie Mae ie Navient. I informed the supervisor who I had spoken with that day that this information is neither available on my account online nor obtainable through XXXX as their student loan services have been dissolved. I received in the mail only a copy of my loan ledgers that I can pull up myself on my account online.
Company Response:
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2019-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Please esculate!!!!!!! Lender : Navient Student Loan : # XXXX Effort : Contacted Navient by letter, email and phone numerous times from XX/XX/2019 to today ( XX/XX/2019 ) - No results. Issue not fixed. I get the run around!!! Loan Balance : XXXX ( XXXX ) Request : Close All Navient Accounts and report to credit bureaus as closed. Send official letter, email ( XXXX ) or letter stating accounts are closed by Navient. Issue : Navient will not close the three parent student loans accounts, which is reported to the credit agencies ( e.g., XXXX ) as open. Navient said on their end, the account is expired, but not closed. Credit Report only has Open or Closed, not expired. Doesn't make sense. Navient also says, Department of Education is the owner and they will have to close the account. I talk to Department of Education and they say Navient ( lender ) has to close the account. Pointing fingers, but I am the only one suffering and not getting this issue fixed. I need help, please fix!!!! Thanks in advance
Company Response:
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2019-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A