Date Received: 2019-10-08
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have attempted to acquire my payment history for private school loans I received between XXXX and XXXX from an entity listed on my credit report as SLM XXXX XXXX XXXX XXXX TR. I made payments on the loans between XXXX and XXXX. At some point, the account was transferred from Sallie Mae to Navient. I have requested my account information from both entities for this time period and they each keep directing me to the other organization. Sallie Mae states that they no longer have record of any account information after it was sold to Navient. Navient states that they have no account information before they purchased the account. Navient has since sent information to the IRS information stating that they have forgiven part of my debt without regard for the substantial amount of repayments I have made because they claim to have no records.
Company Response:
State: AL
Zip: XXXXX
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: Need information about your loan balance or loan terms
Consumer Complaint: I got a phone call about our lending company, Navient, that there is a lawsuit against them because of mishandling of student loans. We have had this loan for approximately 17 years and have been always on time with payments. I would like information if possible about this lawsuit. Thank you!
Company Response:
State: CA
Zip: 949XX
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: Need information about your loan balance or loan terms
Consumer Complaint: I've heard their under investigation for student loan circumstances. I want to protect myself in case their actions have led to financial disadvantages.
Company Response:
State: CA
Zip: 91340
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-07
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: This is the issue with my current student loan I have a balance close to {$25000.00} remaining on my loan its a federal student loan. I'm a former student at XXXX XXXX XXXX ( XXXX ) it was shut down because of fraud. Navient is the current provider of my student loan which is also facing litigation of charging students higher interest rates I believe my current loan of {$25000.00} should be forgiven because of of the two identities mentioned.
Company Response:
State: WA
Zip: 98310
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been operating under the assumption that I have been satisfying the requirements for the federal public service student loan forgiveness program. Several years ago I reached out to Navient to understand the eligibility of my loans to the program. They said I was eligble but had to wait until I made 10 full years of payments. Upon completion of my 10 years of service I submitted the paperwork only to find out that the way my loan was structured it rendered my loan ineligible for loan forgiveness. I understand now that Navient may have been intentionally misinforming or under informing customers about actions they needed to be taking in order to qualify for this. So rather than having the full balance of my loan forgiven I still have over $ XXXX in loans that need to be repaid. I feel Navient has been operating in their own best interest and not those of their customers.
Company Response:
State: FL
Zip: 34684
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-07
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 SALLIE MAE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, 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 your be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: NJ
Zip: 07751
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: For the past few years I have been almost entirely unemployed, and besides the time I was actually in college, my loans should have been under the income based repayment. I had no idea about the difference between IBR and forbearment and deferment. Instead of having my principle reduced and interest halted entirely, my student loans have increased due to deceptive behavior by Navient. Today I learned that interest should not accrue from IBR plan, and I remembered seeing an email recently about accrued interest. So I looked at my Navient account ans see DEFERMENT instead of IBR. On the IBR screen it is very tricky, it suggests I am on it because it says to contact them to exit it. All this time I thought I was on the IBR plan. It turns out, I was scammed. Also, it's not possible to proceed with IBR because it requires certifying on the site, which pulls IRS, and since I was unemployed, there are no IRS records. Therefore it can not proceed, and Navient refuses to help. This is only the tip of the iceberg. Years ago I had returned to school thinking that, since I was unemployed, I was under a deferment or something. Turns out all were in default. So I reconsoliated with totally wrecked credit. Unfortunately, the student loan company neglected one of the loans into the reconsolidation, so years later after that I learned that that loan was still in default and my credit was destroyed. So, I solved that. Then the student loan company continued to report false information resulting in years of destroyed credit. Today one loan is left which will fall off my report in two years despite them reporting a false default which was years after I solved the reconsolidation issue that had also been their fault. This is not even mentioning that their illegal practices and illegal laws forbidding bankruptcy or any protections under the law for illegal moneylending practices and exorbitant interest.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Navient may be avoiding submitting my XXXX Loan Forgiveness application to the guarantor, or the guarantor could be delaying a response. According to my records, I originally submitted the application in XXXX of XXXX. On XX/XX/XXXX, months after I submitted the application, in response to my email query, they informed me that the application had been resubmitted to the guarantor, but that I may have a wait of up to 120 days before a response should be expected. Since XX/XX/XXXX was well into that 120 day period, I submitted further requests for information. On XX/XX/XXXX, they responded with the exact same information, and continued to do so on XX/XX/XXXX and XX/XX/XXXX - all in response to my further requests via email for information. It is now XX/XX/XXXX, and I still have no word from them about the status of my application, and I don't believe they intend to inform me further. In the meantime, they put my loan in forbearance. They said this was a courtesy, but I have never been late, and have made it a priority to pay on time, and I asked them, via a phone call, to take the loan out of forbearance because I want to keep my high credit rating ( of course! ). It also looks like they have not taken my loan out of forbearance, and I suspect that every time they put it in, it increases some fee which is added back into the loan. This loan forgiveness is dearly needed. I attended my college on a special half-price scholarship for older students, but my student loan documents stated that the cost of my education was still twice what it should have been for the salary I was making. Can you help me with this issue?
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2019-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-06
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I paid a company around 300 dollars to lower my student loans and then my student loans were sent to another company. My repayment amount is supposed be {$0.00} as I'm supposed to be on an income repayment plan for 10 years.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2019-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
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 DEPT OF ED/NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A