Date Received: 2019-11-01
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My Navient account record states that my private student loans were sold three times in the past seven years : on XX/XX/XXXX for {$15000.00}, on XX/XX/XXXX for {$16000.00}, and again on XX/XX/XXXX for {$11000.00}. I was never notified about these sales and I do not believe that Navient has legitimate ownership of them, yet Navient continues to send threatening letters to me and make harassing calls to my phone number, saying they intend to escalate collection efforts and initiate litigation. I am XXXX with XXXX XXXX XXXX and have {$0.00} income and no assets, and I have informed Navient of this situation, yet they continue to harass me daily for collection of these loans which are not owned by them.
Company Response:
State: CO
Zip: 80915
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: My mother received a rude and threatening phone call on XX/XX/19 @ approximately XXXX XXXX regarding contacting me about my loan. A friend received a call at approximately XXXX XXXX on XX/XX/19 for the same. Neither have anything to do with my loan, have no information regarding my loan and know anything about my loan. I have also been receiving up to 5-10 phone calls per day from various area codes around the United States and with Navient 's caller id both, leaving both robocall and live person messages. I have attempted to lower my payments and requested multiple times deferments and have been denied. I can not pay {$1600.00} a month. That's almost my entire monthly take home pay. Navient refuses to work with me and are now harassing my friends and family to get the debt paid.
Company Response:
State: KS
Zip: 66215
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Late payments reported on my credit report are not correct as I was of the understanding that I was either in deferment of forbearance. The problem is compounded as it appears that I have 6 separate loans with Navient that have all been reported as late. Communication with Navient has been confusing and frustrating at best as to my real situation. My loans are now current but I cant get the negative information removed from my credit report which is affecting my ability to get housing
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This is in regard to a student loan account with Navient that was consolidated in XX/XX/XXXX and has my loan on it and my wife 's with whom I am separated and seeking divorce from and there is no communication with her so I am filing this complaint on my own. I made 10 payments on this loan from XX/XX/XXXX thru XX/XX/XXXX. Of the approx. {$5600.00} that was paid almost all of it was applied to interest and fees. I know that Navient is under federal investigation for mishandling student loan payments so I stopped paying them in XX/XX/XXXX. I do not know how to handle this situation going forward as I do not trust them to handle payments properly.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: So I attended XXXX in XXXX XXXX XXXX In Texas and before I even graduated they closed the school down. I find it a bit unfair to have to pay this loans back when they shut down the school.
Company Response:
State: TX
Zip: 76106
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DPT ED/NAVI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I started college in XX/XX/XXXX. I finished my XXXX degree in XX/XX/XXXX, XXXX in XX/XX/XXXXand my XXXX in XX/XX/XXXX. I did not pay {$250000.00} for my education but due to the interest as a result of forbearance that is my current debt. I switched from private sector to government in the hopes that I would be able to have some of the debt forgiven. At this point I am not sure what will transpire but wanted to submit a complaint in the hopes that I would be able to get some help.
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Last year I got married, so my husband 's income was combined with mine in my student loan payments. The result was an increase in the monthly payment, understandably. In XX/XX/2019, in response, I called Navient, my student loan company, to see if I could have my payment decreased because it was a lot more than I had paid previously. Before this, I was paying $ XXXX/month. After this, I was paying {$200.00}. I was told I could lower that if I applied for a particular IDR plan. In XXXX, I was notified that I was enrolled in the new plan. The payment somehow went up to {$740.00} a month, which is obviously not what I was told it would be. In panic, I called Navient again, and was enrolled back in the previous plan, and paid the {$200.00} a month amount. While more than I wanted to pay, I understood the combined income would cause an increase in my monthly payment, though I did not anticipate it growing 10x. This summer, we relocated from XXXX to XXXX, California. I have found new work, but my husband has not. I am making less than I was making in XXXX, so with him being out of work and I making about {$20000.00} less a year, I contacted Navient to see about recalculating my monthly payment. I was granted a forbearance and told to apply for a new payment. The result of this was, again somehow, that my monthly amount was increasing again, this time to {$230.00} a month. I still fail to understand how going from making {$100000.00} a year to approximately {$45000.00} resulted in a {$38.00} increase. When I contacted Navient about this, I was told that there was a miscalculation on their end. They had calculated the amount as in addition to what I had previously made in income the previous year. I was told that the error would be corrected and I could expect my new payment amount to be around {$180.00} a month. While I still fail to see how this payment amount makes logical sense, it was certainly better than {$230.00}, so I agreed to it and went about my day. In late XXXX, I received a bill for {$230.00}. I contacted Navient to ask what happened, and I told them I could not make the payment that month. I was granted a forbearance again. I was told the problem would be corrected, I didn't have to submit any new documentation, and I would be good to go. This morning I received two bills from Navient. One was for {$240.00} and the other was for {$810.00}. I called them to see what happened, and I was told I had missed something on the application I submitted back in XXXX. I have spent hours on the phone with Navient, and no one had ever mentioned this before. I was told to apply for a totally new income-based repayment plan, to NOT select a recalculation. I began to do that, and saw that I am being asked to connect my IRS account. I know what is about to happen. It will be the exact thing that happened before. They will see last year 's income and give me the same {$230.00} amount as before. I am completing it because I was told to, and I don't want to miss something I was told to do and then have that used against me. Every single time I have contacted Navient this year, the information I was told on the phone has been different than what happened. I believe I have been intentionally misled and confused in order to get more money out of me. I am being lied to and taken advantage of, and I demand it end immediately.
Company Response:
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: When I inquired about student loan forgiveness for public service I was told by Navient that I needed to be on a certain type of loan and so I switched over to that kind of loan. I was told that after 10 years of payments ( 120 total ) under this loan I would be eligible to apply for forgiveness. About 5 years in my loan was taken over by the Department of Education and I was told that none of my payments counted toward the 120 because I was not under the correct repayment plan. Navient withheld this information from me and as a result I am going to have to make 5 more years payments which is a ton of money for someone in a low paying public service position.
Company Response:
State: UT
Zip: 84401
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Navient ( via XXXX XXXX REFUSES to put the upcoming biweekly payments on their website.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A