Date Received: 2019-09-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am a co-signor for my son 's student loans. I have been paying Navient monthly for over 7 years without a missed payment. However, every year Navient has increased my monthly payments every year to the point where I can not keep up. Recently, I have made money order payments up and until XX/XX/2019. Navient has sent false and negative reports to my credit bureaus that I am currently 60 days late on my monthly payments. This situation with Navient is out of control. I need your immediate assistance on this matter. My credit score as of tonight has been negatively affective. The main location of Navient is located XXXX Delaware.
Company Response:
State: NY
Zip: 14075
Submitted Via: Web
Date Sent: 2019-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-11
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: My wife obtained student loans and graduated from XXXX in XX/XX/XXXX. I obtained student loans and graduated from XXXX XXXX in XX/XX/XXXX. After getting married in XX/XX/XXXX, we consolidated our loans. Since XX/XX/XXXX, we have worked for XXXX XXXX XXXX and XXXX XXXX. We have tried over the last 2 years to obtain the public service loan forgiveness, but have been refused because of our consolidation. Similarly situated persons who did not consolidated have been granted the forgiveness. This discriminatory action is hurting my wife and I, especially since retirement will occur in the next 10 years. Please help us. We thought we did the right thing by consolidating. No one explained this dilemma in consolidation.
Company Response:
State: FL
Zip: 33028
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I am taking unpaid time off because I am getting ready to have a XXXX. I have filled out all appropriate FMLA paperwork to cover my job and myself during this time. I called today to see about temporarily suspending my payments while I am on XXXX leave and was flat out denied on the spot. I am actively looking into suing Navient ( still Sallie Mae, a name change wont make me forget how poorly you have treated me over the years ) for how they have handled this situation. Is it even legal for them to deny me suspension of my payments when I am getting ready to have a XXXX and am on FMLA? It cant be legal. I am seeking out legal advice now, I am hoping to have a lawsuit filed by the end of the year.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was contacted my Navient, and offered the forbearance due to lack of funds at the time. What I was not told was how much they would be adding to my account to have payment delayed while I got my financials in order. Below are the details I received today. I also ask about how this loan was obtained considering I didn't have a XXXX XXXX diploma at the time. I did not complete the application and actually thought the school have received grants for the certificate I received. It was not known until I was done and missed a payment that I was informed that I have a XXXX balance. This school did everything and even had me take a test to get my XXXX XXXX diploma after I started, which took me a couple of months. The loan was issued before I actually completed the online program for a diploma that I never even received in the mail and wants me to pay over a {$100.00} for a paper copy. At the time being young I did not understand, however now as an adult it is clear that fraud was committed for the benefit of XXXX XXXX XXXX. I have sent in appeals to navient, however they are always rejected with " missing info '' took the same form completed what was " consider missing '' not once but twice. Called to check the status and now it was never received and I need to complete a new appeal, for the third time. I am also a XXXX XXXX and was denied to have my loans put into the forgiveness program. call regarding that and given another number XXXX, that keeps hanging up on me. Capitalized interest XXXX Monthly interest XXXX Daily interest XXXX Original loan balance XXXX Total interest owed now XXXX Total balance to date XXXX
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: To Whom It May Concern,I read about the lawsuit against Navient filed by CFPD and came across your contact information (Case XXXX). I understand myself to be one of the victims; illegally cheated out of repayment rights for a long time.I spent many hours on the phone with Navient customer service many years ago requesting to apply any over payments to my unsubsidized loan. They told me repeatedly that I was not allowed to do that, and any over-payment would be split between the two loans. I was upset but I went along with it, assuming what they were doing was legal.Last year, I started taking classes again, and as a result my mandatory payments stopped and loans went into deferment. I logged on to make manual payments to my loans, and to my surprise they now had the option to pick which loan to make the over-payment to. So of course I picked the unsubsidized loan, and have paid about $1000 to the unsubsidized loan since. I have made all over payments to the unsubsidized loan since I started going back to school.I logged on today and noticed that even though I picked unsubsidized as my voluntary over-payment, they split my over-payment between the subsidized and unsubsidized loans!Please help me get justice on this.Sincerely,XXXX
Company Response:
State: MI
Zip: 48309
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Consumer Protection / Fair Debt Collection Practices Violations. Attachments area
Company Response:
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-09
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have a Student Loan with Navient. They are taking money automatically from the bank and getting payments per the loan contract under the recorded payment plan and they are fraudulently creating late fees. They are engaged in US mail fraud. I have written to then for entire records of all payments, copies of the check and bank transfers made by me, since the first payment in 2008, so that I can do forensic accounting. They refused to give the entire records. The amount of the principal loan is fraudulent by as much as {$48000.00} or more, as they misapplied and defrauded all payments, since the first payment in 2008.
Company Response:
State: CA
Zip: 92887
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-08
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: -Stopped attending university ( XXXX University , XXXX XXXX , XXXX XXXX ) in XXXX of 2013 due to financial and mental health issues. -did not graduate -All Federal loans service by Sallie Mae `` sold '' to spin-off company Navient -Could not afford loan payments due to minimum wage income and monthly financial burden -Navient sent emails every 3 months offering to " Resolve your student loan payments '' by replying to emails with the word, " yes ''. -Interest ( between 4.5 to 6.8 % for 5 different loans ) has accrued for years without any suggestion to alternatives -interest accrual increases the amount of the loan, and thus the difficulty of paying off such a loan without a college degree-paying occupation -Original loan principle was {$16000.00} total for 5 loans, Now totaling {$31000.00} to be paid off in a 10-year period
Company Response:
State: MA
Zip: 02128
Submitted Via: Web
Date Sent: 2019-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am filing a complaint with Navient Student Loan Service regarding my most recent payment dated XX/XX/2019. Their website under my account summary says I still owe {$95.00} for XX/XX/19. They also did not carry out my allocation request when I spoke to them on XX/XX/19. OnXX/XX/19 I submitted a payment of {$1000.00}. The minimum balance due on XX/XX/19 was {$170.00} ( please see attached XX/XX/2019 pdf file ). I also called Navient on XX/XX/19 and asked them to allocate {$880.00} against Loan 1-01, and {$110.00} against Loan 1-02. I was assured this would happen and that the website would update in 24 hours to reflect the allocation request. When I went to the website it says I still owe {$95.00} ( see screen snapshot from their website, pdf file Account Summary XX/XX/2019 ).
Company Response:
State: NY
Zip: 14424
Submitted Via: Web
Date Sent: 2019-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-08
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I recently tried recertifying my income based repayment through Navient. I submitted everything required for student loan.gov in XXXX well before the deadline of XX/XX/XXXX. I provided Navient a timely copy of my tax return around the same time. I initially called on XX/XX/19 and was after talking with Navient representatives that they had received my documentation and that a tax return was all that was required. I asked if my application was now renewed but each time they said that it took a few more business days to confirm my documentation. This was consistent with their website as each time Ive submitted it the confirmation message asks for at least 10 days for processing. Navient sent me an email confirming that they had my application on XX/XX/19. Navient does not have a method to confirm your income documentation and there is no confirmation method for any of this process on their website. I found this whole process fishy as I never got confirmation that my plan was renewed only that my application was received and I never got confirmation emails when I would resubmit the tax returns. Two days before the deadline of my income-based repayment recertification on XX/XX/XXXX I was told via a single email that Navient did not have any documentation and that my income-based repayment was expiring. This occurred just before a weekend and Navient is not contactable during weekends. I was not able to contact navient prior to the deadline two days later. The deadline has passed and Navient is now going to remove me from my income based repayment plan, my loans will be capitalizing, and I my payments are going from {$180.00} to around {$1700.00} next month. I simply want Navient to have accepted the multiple tax returns that I have sent over the last two months which were well within the deadline and get to stay in my income based repayment plan. This has been a consistent theme in working with Navient as this will be my third time having to submit to the CFPB regarding Navients attempts to keep me from an income based repayment plan.
Company Response:
State: UT
Zip: 84106
Submitted Via: Web
Date Sent: 2019-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A