Date Received: 2019-10-09
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I logged in to review my financial aid today on nslds. Something has seemed off with the amount of my loans for quite some time. Upon loggin in, I found that when my loans were supposed to be consolidated into one loan, they were actually consoidated into two separate loans, with amounts very close to each other, on the same date, and now I owe double what I should owe. There is no way to retrieve information the the original services or original dates or the original loans, but, based on the ones that are showing up as saything they were paid in full by consolidation, the amounts of those loans are around {$19000.00} in total. However, I have 2 condolidated loans now that show they are around {$17000.00} EACH and a balance of around {$48000.00}.
Company Response:
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This is the third such complaint I have submitted regarding the same type of issue over the past 12-18 months. On XX/XX/XXXX, my co-signed account was flagged by Navient as past due. The XXXX payment was mailed priority on XX/XX/XXXX and received by Navient on XX/XX/XXXX and delivered to " an individual '' per the post office. I called Navient on XX/XX/XXXX to talk to them about why my account was flagged since they received the payment long before the due date. The payment is sent via XXXX money orders under the same cover. The XXXX money order ( {$160.00} ) was cashed on XX/XX/XXXX per XXXX XXXX, the second money order ( {$250.00} ) which was sent in the same priority envelope and received the same time has not been cashed. When I called the customer service agent at Navient she told me that my account was past due and wanted me to send another payment. When I explained that they had received the payment she argued with me that if they received it, the payment would have been cashed. I asked to speak with a supervisor. I was connected with supervisor, XXXX XXXX, who asked that I send copies of the payments to him so he could submit for a missing payment request. I faxed the proof on XXXX @ XXXX with a receipt acknowledgment. On XX/XX/XXXX, the payment was still not applied to the account. When I called XXXX XXXX, the money order was still not cashed. I called Navient again. Because of an argumentative customer service rep again, I requested to speak with a supervisor. I spoke with XXXX XXXX. She states that payment was not received. I explained the situation again. She said the missing payment request had not been submitted. She had me upload the documents so she could request a missing payment search. I have done everything I have been asked. This issues continues to occur. For approximately 6 months at a time, Navient gets this right then there are issues again and again. I have submitted CFPB complaints about this in the past. I was told it would take 5-7 business days to be resolved.
Company Response:
State: NY
Zip: 12901
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
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: I wrote this to Navient and it explains what happened with my student loans and credit score. They have ignored this and all of my phone calls to fix my credit score. There are pictures of my accounts attached to this but I am not sure if they will work or not. If you would like the original letter, I can provide that. The password to the document is XXXX Hello, my name is XXXX XXXX. I was previously a XXXX at the University of XXXX in Ohio. I started in XXXX with the hopes of getting a college degree so that I could join the professional workforce. I chose to get federal student loans from your company, Navient, because it was the most financially responsible decision to make for myself. Fast forward a few years and after being told over and over and over that you have 6 months after you graduate to start paying on your loans because sometimes it takes time to find a job after you graduate. This brings me to my current issue ; since I was being told this over and over and over, I thought I would not have to pay on my loans until 6 months after I graduated. I was still enrolled in the University because I had to complete my degree in XXXX. Due to the nature of my degree and the universitys scheduling, sometimes I was not able to attend full time. I was not going to spend more money for nonsense classes that did not pertain to my degree just to be full time. During this time, I was also working at XXXX XXXX full time and living on my own. I then got recruited by XXXX XXXX XXXX and moved to working for them full time, all while still attending school. During my last semester at the University of XXXX ( fall XXXX ), I was getting contacted by Navient that my student loans were due. I was confused because I still had not even graduated yet. After being harassed for money even though I was still taking loans out to continue my education, I unfortunately was laid off from my job at XXXX XXXX XXXX in XXXX of XXXX. I was again contacted by someone from Navient requesting that I pay towards my loans. I told them that I was still in school and was not able to pay at all currently because I had been unemployed. The employee then explained to me I could do some sort of income driven program and that it would be good for 6 months until after I graduated. I talked to a student advisor from the University of XXXX and they said that it is true, I have 6 months after I graduate from the University of XXXX to pay off my student loans. Again, this was weird because Navient had on record that I was no longer attending the University of XXXX according to an employee of Navient. Nonetheless, I submitted the forms necessary for the IDR plan at Navient in XXXX of XXXX. I had not heard back from Navient for a while, so I assumed all was fine with my standing on my loan repayment. I then graduated in XXXX of XXXX from the University of XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All was well for me because I started a new job in XXXX and was looking to start my professional career out in the world and be able to enjoy my life. Then one day in XXXX I got an email saying, your loans are 120 days overdue which was weird because I had 6 months after I graduated to pay them. This meant I had to start paying in XXXX and I even logged into my account and created an auto-pay function so that I would not have to worry about signing in every month and doing it manually. After deciphering the email saying I was behind, I gladly paid the overdue loans off for all the subsequent months that I had missed. This is when it takes a massive turn for me personally. I had no problem paying that massive amount off and I figured that there may have been some miscommunication somewhere throughout the 6 years I attended college. But then I get a statement about my personal credit info ; I had been hit with a 90-120 days late on all my loans. Since they are all separate for some reason, it showed that I was that late on all accounts. This destroyed my credit. I went from in the mid 750s down to below 530. That is extremely detrimental to someone who just started making a good living and is looking to buy a car, purchase a home, and contribute to the United States economy. Now that the story has been told from my end I can get to the issue. I am writing this because that is what your website told me to do : As you can see, I believe this is some sort of error on my credit account. I called Navient as soon as I found out about the destructive credit hit and the young man on the phone told me there is nothing I can do to help, just pay on your loans and your credit will go up. I believed him and it has been a few months of me paying on my loans on early every single month. Turns out that my credit has not moved and went down some. I have never had a single issue with paying any sort of loans, credit cards, or other payment options off and my profile shows that. I am asking someone to do the right thing in this case. Regardless of the issues that happened in the beginning of my loan repayment process, please take a look at my account and you will see that I paid off that massive balance that said I was late and that I pay on my loans every single month. I called into Navient and spoke to someone about this and was given no positive reassurance that something may be done. They told me they can not get rid of this mark for some reason, but Navient is the one that told the credit report companies that I did not pay off in time. Due to this report on my credit, I am unable to apply for a mortgage on a home with a reasonable interest rate, apply for a loan on a car now that I have a steady and livable income, and I also can not just enjoy my life with this disgusting derogatory mark on my name. I will provide documentation of most of what I am referring to previously. Also, I went through a name change during my first year of college and Navient still has my old last name on file and will not let me change it. Old name : XXXX XXXX. New name : XXXX XXXX. Navient account number : XXXX. Home address : XXXX XXXX XXXX XXXX, Ohio XXXX. Cell number : XXXX XXXX XXXX or XXXX XXXX XXXX. If any more information is needed in regard to this manner, please reach out to me via email or phone call. My emails are XXXX, XXXX, XXXX, or XXXX I can be reached at any of those. I understand that Navient can not change my credit score, but you can provide a courtesy retraction to consumer reporting agencies :
Company Response:
State: OH
Zip: 44221
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I tried to put my card down for my payments and it went through then I went to XXXX to see my grandma for a month and the card was not saved and the payments were made. I call navient and I get a machine and I tell the robot send me to customer service and it doesnt. Navient calls me and I get a representive they say they will send me things about lowering my payment or that I qualify to make zero payments but they never do. This is very frustrating because they are ruining my credit and i dont have any money I am looking for a job and i only have money for food.
Company Response:
State: CA
Zip: 92105
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I payed navient {$2000.00} ( in 2014 ) to make a one time payment to pay off my {$1500.00} student loan. They refused to process it this way, despite there being a letter included that stipulated that the funds were to be applied to the principal. They instead directed it to pay off only {$50.00} per month which only payed the interest. I now owe over {$1800.00} on this loan, and am seeking a lawyer to sue for predatory lending practices. I want to know why my rights to pay off this loan were violated. I have repeatedly requested my ledure, information on why they refused to process my payment as requested, and why I was not allowed to pay more than {$50.00} per month. They always say they'll send me the information, then I never hear from them again, each time I call they do this to me. I am XXXX, and dealing with XXXX XXXX, I do not have time to play games, they have taken my almost perfect credit score, and trashed it. I can not imagine that any of this is even legal.
Company Response:
State: MI
Zip: 48080
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I went to XXXX XXXX and have a personal and federal loans for stuff i never completed because they wanted me to take out more loans
Company Response:
State: TX
Zip: 77015
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: On XX/XX/2019 we received an email from Navient XXXX that a debt was allegedly owed. On XX/XX/2019 Navient XXXX received a lawful Debt Validation affidavit that went unrebutted along with Disclosure Statement with questions unanswered. On XX/XX/2019 Navient XXXX received a Fault in Dishonor Notice in regards to the Disclosure Statement not being answered question for question. On XX/XX/2019 Navient XXXX received a Default in Dishonor Notice with the disclosure statement still unanswered. On XX/XX/2019 Navient Corporation Received an Estoppel Notice for which the only mail they sent afterwards was the alleged promissory note for the student loan which did not answer any of the question from the Disclosure Statement. Please See Attached Documents :
Company Response:
State: GA
Zip: 31093
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: On XX/XX/08 I spoke with a representative in the rate reduction department advising that I was recently separated from my job on XXXX and needed some other assistance with my loan repayments. I explained that I'm already paying $ XXXX/month and this would be near impossible for me to continue while unemployed. I explained that I'd filed for unemployment and had not been approved as of yet. Right now I have NO INCOME! explained that my co-signer does not work and receives a fixed income and is unable to help me with any payments. The representative showed no concern and stated that my only option was to pay $ XXXX/month.
Company Response:
State: AL
Zip: 35126
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Navient continues to allege that I have three loans l with them. They continue to harass me and cause me see XXXX. I lost my job and have no healthcare and told Navient that there was no way that could ever make Ann payments on any alleged debt even when I was employed making less than XXXX a year with XXXX in debt ... the harassment from Navient will not make money magically appear and the harassment is causing a great deal of XXXX and misery ... Navient continues to add on fees, interest, has no realistic payment options for any alleged debt and all they do is stalk and harass me with robo calls regardless of the time of day and even when I told them to cease and desist they continue to harass me.. this is a predatory company that does nothing but harm people.
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My loans began in XX/XX/XXXXwhen my first of 3 children went to college. These were government loans through Sallie Mae. These loans went through various payments, deferments, etc. while various payments and interest was applied. In XX/XX/XXXX, there were 2 loans left and they were consolidated and a set amount was paid monthly on time since then. Progress has been slow because the interest rate is 8 % and in many discussions with Sallie Mae, they advised the way to get ahead was to apply lump sums to the principle and that will help move closer to paying these off. Navient is the servicing company now and I have started making lump sum payments but they refuse to apply them as I ask ... They take the interest and say they must split my payments and take all their interest first. This is illegal and they are stealing money from millions of people trying to pay back loans. I see that there is a pending law suit for just this practice and I want to join in because they have done this and I am forced to continue to work at age 70 to pay these off. I support paying for my loans but they are trying to make themselves rich at others expense.
Company Response:
State: FL
Zip: 33558
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A