Date Received: 2023-07-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am a divorced Massachusetts public servant ( XXXX XXXX XXXX XXXX XXXX ) of 13 years and my ex-wife taught elementary school in a XXXX XXXX XXXX XXXXXXXX for 15 years. When we got married in XXXX, we consolidated our student loans into one loan through Navient. Around XXXX we refinanced that loan with Navient ( XXXX XXXX ). We began with {$100000.00} combined student loan debt, and now, after 21 years ( 252 months ) of on-time payments, still owe $ XXXX. In XXXX of XXXX Congress enacted the federal Joint Consolidated Loan Separation Act. That new allows my ex-wife and I an opportunity to separate our loan into two Federal Direct Loans, which will make us eligible ( again ) to apply our combined 25 years of qualifying Public Service and have the loans discharged through XXXX. As per guidance directly from the Department of Education, we have contacted our servicer, Navient, to request an Administrative Forbearance until the Dept of Ed devises a plan to separate these loans. However Navient refused to grant such a forbearance, and we are being told, erroneously, that because we refinanced our Spousal Consolidated Student Loan we will not be eligible to to separate in accordance with the Joint Consolidated Loan Separation Act. The Department of Education has declared that it will include in its plan to enact this new law a provision for refinanced Joint Spousal Consolidated Student Loans. Navient is wrong and predatory. Please help us.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am a divorced Massachusetts XXXX XXXX ( XXXX XXXX XXXX ) of 13 years and my ex- husband has also worked for 13 years in a XXXX XXXX XXXX XXXX XXXX When we got married in XXXX, we consolidated our loans into one loan through Navient. Around XXXX we refinanced that loan with Navient ( Navi-Refi ). We began with {$100000.00} combined student loan debt, and now, after 21 years ( 252 months ) of on-time payments, still owe $ XXXX. In XXXX of XXXX congress enacted the federal Joint Consolidated Loan Separation Act. That now allows my ex-wife and I an opportunity to separate our loan into two Federal Direct Loans, which will make us eligible ( again ) to apply 26 years of qualifying publi service and have the loans discharged through PSLF. As per guidance directly from the Department of Education, we have contacted our servicer, Navient, to request an Administrative Forbearance until the Dept of Ed devises a plan to separate these loans. However Navient refused to grant such a forbearance, and we are being told, erroneously, that because we refinanced our Spousal Consolidated Student Loan we will not be eligible to separate in accordance with the Joint Consolidated Loan Separation Act. The Department of Education has declared that it will include in its plan to enact this new law a provision for refinanced Joint Spousal Consolidated Student Loans. Navient is wrong and predatory. Please help us XXXX XXXX ( formerly XXXX )
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Navient has been harassing me daily, many times/day for a loan that isn't even past due. Every single day. I don't know how legally they are still in business.
Company Response:
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: My name is XXXX XXXX, and I am writing to you today to file a complaint against Navient. I called Navient on XXXXXXXX XXXX XXXX The purpose of my call was to notify Navient that I am invoking a defense to repayment of the loans because the school I attended, XXXX, defrauded me and for this reason I will no longer be making payments on my private student loans. The response I received from the Navient Customer Service representative was that she understood ( what was I saying ) and that they have been receiving a lot of calls surrounding XXXX. She explained, if anyone that is working on the private loans can prove that they are fraudulent have them contact us. I then sent a written summary of this call and asked for more information about what the representative said to the general Navient email account as well as to the Navient office of the Customer Advocate. I received an email response on XX/XX/, from XXXX, a Loan Servicing Specialist ( I have attached a copy ). In her email, XXXX only said that Borrower Defense Relief is a program offered by the U.S. Department of Education that allows borrowers to apply for loan forgiveness for their Federal Direct Loans. Please note that the provisions of Borrower Defense Relief doesnt apply to private credit loans. Your loans ending in XXXX and XXXX are private credit loans, which does not qualify for loan forgiveness programs. On XX/XX/2023, I received a communication from XXXX XXXX from the Office of the Customer Advocate ( I have attached a copy ). In the communication, XXXX said that theres no discharge program available at this time for students who claim a defense to repay a private loan due to misinformation or the quality of education they received at their school. Were not able to respond to any information or guidance provided by a customers school, financial aid advisor, or other financial advisor. I believe there is a problem with these responses and there should be a process for providingme with more information and relief. Having attended XXXX has left me with significant debt and a worthless degree, leading among other harms to financial and emotional distress.I was told by the school that it would be funded through the VA using my GI Bill and I wouldnt have debt. I would talk with the student counsellors and they would confirm this. I used 100 % of my GI Bill and still there were federal and private loans taken out in my name. I was misled as to cost of everything and how it was being financed. The above described activities constitute violations under the applicable state consumer protection laws and constitute common-law claims for breach of contract and negligent misrepresentation. In addition to causing enrollment, these actions also induced reliance to remain at the school. In addition, the Department of Education has also found that XXXX defrauded thousands of students. https : //www.ed.gov/news/press-releases/education-department-XXXX XXXX
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
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: Navient ( Sallie Mae ), after settling a lawsuit for $ XXXX, is still reporting derogatory statuses on my credit reports for loans dismissed as a result of their illegal & fraudulent business practices including but definitely not limited to forbearance steering & payment mismanagements originating in loans taken out in XXXX and in repayment from XXXX onwards. I was directly and adversely effected and it has cost me thousands in the ensuing years in the form of higher interest rates, denied financing, and an inability to demonstrate an established good payment history. This predatory and illegal behavior occurred at a time when I was overseas on XXXX & serving in US military which only exasperated my ability to handle it quickly or effectively. I almost lost my security clearances multiple times and only maintained those by paying large lump sums of money out of pocket over a satellite phone to cover Navients predatory and purposeful mismanagement. I was working 16 hour days on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I couldnt simply step away for a minute to handle my finances as a result of a bad loan service providers actions back home within the XXXX time zone differential very easily and even if I could have for a minute, the chances of calls dropping neared 100 %. Can you imagine? As you know, this is an extremely important and arguably the most important part of having access to reasonable credit at competitive rates. To this day, the Credit Reporting Agencies are unable to remedy the situation through their normal investigative methods. Ive given these agencies detailed explanations referencing dated documentation aka PROOF. This is in addition to the public evidence brought forth by 39 State Attorneys Generals which undoubtedly provides the most insight into how this company has operated in the past and during the exact timeframes mentioned/reported in the enjoined multi-state lawsuit and displayed in bold print on my credit reports. Despite my best efforts, those damaging accounts remain a burden to this day. I am seeking a mortgage to buy our first home with my wife. Weve worked hard and weve attained good careers through dedication and hard work and we deserve our dream home and these negative remarks are an unfair hindrance to this goal. They were rightfully dismissed in the lawsuit yet remain derogatory stains ( through no fault of my own ) on all 3 reports despite my best efforts to have them removed. Im filing this complaint because it is the next step for me seeking this relief. Navient still reports derogatory remarks ( collection/charge-off/bad credit ) for 6 accounts beginning with numbers XXXX in the amounts of {$8600.00} ( opened XX/XX/XXXX ), {$12000.00} ( XX/XX/XXXX ), {$14000.00} ( XX/XX/XXXX ), {$11000.00} ( XX/XX/XXXX ), {$1900.00} ( XX/XX/XXXX ), & {$1900.00} ( XX/XX/XXXX ). Note : These amounts are nearly double what I originally took out because of their practices. Its ruinous to say the least. Assistance is warranted and would certainly be appreciated.
Company Response:
State: IA
Zip: 52001
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I tried to work with the company in XXXX, and they would not help me with the loan and told me I did not qualify for any programs. I told them that my hours had been cut at work and that I was late with payments and unable to make them. But there were still no options available to me. I have filed previous complaints about them not offering any assistance. I am not over 90 days or later and then am contacting and harassing my family at work and leaving several messages, which is inappropriate. I have asked them to contact me by email or letter and not to call or harass my family members at their jobs for my debt. This is predatory and terrible. I would like them to stop. I have never had anyone else attempt to do that when collecting a debt. I think contacting a person 's family members at their jobs is illegal. I have no way to make the payments, and I am currently trying to work with a settlement company to help deal with the situation, but navient will not work with me on the debt. But I would like them to leave my family alone and stop calling and leaving messages throughout the day. It is harassing.
Company Response:
State: AZ
Zip: 85024
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Navient, who owns XXXX, calls me multiple times per day, using new numbers to evade my block. Then, yesterday and today, immediately following an unsuccessful call to me, a private number called and left threatening voicemails, pretending to be fake attorney XXXX XXXX and telling me to call this number before they showed up on my property. I am 99 % sure this is them initiating the robocall. It has happened both days within minutes of me not answering their call.
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I set up forbearance with Navient and was approved through XX/XX/2022 through XX/XX/2022 and set up an interest only payment plan that I have been paying and never missed a payment. This brought my account current and put those months in good standing ( I have paperwork from Navient ). However, Navient reported the month of XXXX as missed and it dropped my credit score tremendously. I've reached out to Navient Credit Reporting department ( in which you can only respond via mail and their customer support department has no clue on the response ) and tried to handle directly with the company and they sent the letter saying they wont change. Next step was me writing this complaint. If this doesn't work I will go to small claims court and sue them for pain and suffering, taking advantage of DISADVANTAGED ( person of XXXX from low income area ) customer right after XXXX lifted the Student loan payment pause. The negative information has caused me to get higher interest rates on my credit card and drop my credit utilization with my lenders.
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: In XXXX I visited XXXX XXXX and was recruited into their massage therapy program. I was targeted as someone that didn't have a lot of student loan or loan payback knowledge, a first generation college student, and as someone that came from poverty with promises of how much money I could earn. I was told that I would get job placements, that the school was going to be accredited any day now, that my credits would transfer to any other college after I graduated, ect. My student loan options were limited because I had no credit and this school was not accredited. I was stuck with private high interest loans. My ( father ) co-signer, now deceased, was on XXXX and also had poor credit. I was promised to not worry about the private loan interest rate because it was easy to get the loan refinanced and there were a lot of repayment options. I was also told that I would be making a lot of money and placed with a job after graduating and could easily pay it back. During my schooling- the school never got accredited as promised, I had numerous unqualified teachers because they had high staff turnover, there was no set curriculum or education standards, no job placement or resume help, no education about what my massage license would require or the cost of continuing education, and promises of continuing education opportunities once I graduate. All lies. Within a month after graduating my school closed down because of fraudulent practices and I was left with an incredibly high interest private loan. I was told by other colleges that I had no transferable credits and had to retake XXXX and XXXX and XXXX XXXX Sallie Mae, who was originally handling my student loan, changed into navient. I was told to keep differing my loan while in school. I didn't understand the interest kept occurring. After struggling with my XXXX XXXXXXXX for years and facing numerous health challenges, by the time I graduated college again I was disabled from XXXX XXXX and XXXX. XXXX XXXX had been closed and most borrowers were told their loans would be forgiven, yet somehow I still have mine. Navient has their own standard for what XXXX means and their wording is not the same as the department of education and makes it incredibly difficult even for a disabled person to qualify for their version of loan forgiveness. Any repayment option they used to have has been slowing changing over the years. I used to qualify for a payment reduction plan, but now they say it's meant to be temporary and I can no longer do it. Their refinancing is through their website and said I do not qualify. Because of my health and medical debt I don't qualify for refinancing through another lender. They keep telling me to ask my cosigner for help, even though my dad is deceased and I have sent proof of that via death certificate. Every other student loan from my old college has been forgiven for being fraudulent and I feel like I am being punished for trying to better my life but instead getting scammed by not only a college but this loan provider. There always seems to be a program that pops into existence when I have filed a complaint, yet is never offered to me when I just ask for it. The program isn't ever made to help me, but just help the company extend the time of my loan while sucking money out of me at a slightly lower amount so I don't default. It's always making my situation worse. There is no information listed about any of their repayment options, even forgiveness on their website. You have to call and get told a different story depending on who you talk to. I should not have to pay back this loan. I have already repayed the original amount at least 4x over. I am disabled. The school was closed for fraud. I was frauded. The loan company has lied to me repeatedly as well. The US gov ruled that XXXX XXXX frauded people and should not have to pay back their loans. There is no recourse for me. I'm on XXXX and don't make a lot of money. My interest rate is rising with inflation. I don't know what to do. I can't afford the cost of living for basic things and this loan keeps going up.
Company Response:
State: SC
Zip: 29150
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I co-signed four loans while my son was attending college Approximately from XXXX. At that time the lender was named XXXX XXXX. I didn't know then that this company was a predatory lender who would change its name to Navient while trapping off a segment of its clients. Originally the four loans totaled around {$64000.00}. My son was guided towards a forbearance program which ballooned the sum near {$100000.00}. My son and ex-wife who begged me to co-sign for these loans both have abandoned their commitment towards paying anything. I've been left alone as a co-signer with a payment that went from XXXX XXXX to Navient presently charging me XXXX XXXX. It appears only about XXXX XXXX or so goes towards the principal. I'm paying a fortune and the bill isn't going down. This company has intentionally manipulated this into an interest bilking scheme. I was sure that I qualified for relief from the past Navient lawsuit. Unfortunately I was told by Navient that I didn't qualify, while they gave no sensible explanation. Navient should not be able to pick who couldn't get relief from that lawsuit without a non-bias agency like the CFPB 's oversight. Clearly they've proven themselves untrustworthy. How did a fathers attempt to do the right thing by their child, end up such a nightmare? These payments are absurd, predatory and are sinking me.
Company Response:
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A