Date Received: 2019-09-03
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: When I finished school in 2016 I was already behind 1 year in payments and I should have been in forbearance until I graduated. I called them in 2016 to tell them I just graduated. I had called every six months to stay in forbearance because I could not make a payment. I am current on my payments but still shows I am 13 different months late and the status is affecting my credit. I wish I would have never went to college because the loan repayment is affecting me to get a loan for anything and just makes the whole experience terrible.
Company Response:
State: WI
Zip: 54703
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Currently, I have a private career training loan serviced by Navient. I have returned to school and recently been unable to pay on schedule. My co-signer receives 4-6 phone calls a day, despite our efforts to be in contact and make payment arrangements and advise Navient of the fact we are currently working with our bank to secure a consolidation loan. She will sometimes get one phone call an hour in the mornings. It is harassment so far as I can tell from the FDCPA. She has been told she would be removed from the auto-dialing list and has not been removed. Over the past two years I was led to believe by multiple Navient agents that I still had time and could continue my forbearance ( while I am in graduate school, and unemployed ) as long as I continued to call, make my good-faith payment of {$50.00} and extend every three months. I have a private trade-school loan that's very old, I am aware this limits my repayment options and I was told it would run out eventually but was also advised by Navient agents that if I called when it did, it was likely they could work with me to extend it if my financial situation didn't change. I was not advised of the 12-month limit clearly. The agents misrepresented the availability of options to me using soft language that they would " see what we can do ''. In mid-XXXX of this year on a visit back home to California from XXXX where I live for grad school, I called Navient again to attempt making payment arrangements. I was told that my forbearance time was up, but I hadn't used any deferement time I was " entitled to ''. I felt I had been led into forbearance wrongly for a year and immediately began the application process for in-school deferement including proof I was attending an accredited university for my masters. Only upon my letter of rejection for this relief was I informed that my loan type did not in fact qualify. I lost approximately a week of time waiting for this answer, the time and expense of printing and faxing and emailing XXXX. This is time I could have been using to find other avenues to pay and put me further behind. I called to ask why I was not informed that my loan type didn't qualify automatically when the agent has my loan information in front of them any time I call. They said they did not know and that I had been misinformed and apologized. On XX/XX/XXXX I finally requested to speak with a supervisor, around XXXX pacific time I spoke to XXXX XXXX operator # XXXX. I was advised I should read my promasary note to understand my loan terms, implying it was not the agents ' responsibility to provide me with accurate and up-to-date loan information or to simplify loan payment in any way. After arguing my case, I advised the agent that under no circumstances could I pay back the loan at present and asked for some kind of flexibility. Lowering monthly payments, interest rates ( currently at 14.25 % ) any option at all to make payment more feasible, I was told he could work with me to at least lower interest rates. I was told both my co-signer and I had to make financial statements. I called in the following day because of the time differences to provide my financial information after my co-signer had given a financial statement. After I did so, I was denied any change in my terms or otherwise any help to make payments. Beyond this, Navient refuses to call me directly at my own phone number because it is XXXX, international. As a result, they only call my co-signer and I do not receive direct communication via phone from them unless I call. They also say they can not accept payments from international bank cards, although I use a very large XXXX bank endorsed and accepted worldwide. Due to the misinformation and logistical difficulty in making payments when I can, I can't help but feel I have been purposely mishandled to extract late fees or more interest.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My loan is supposed to be deferred until six months after I graduate. That would be XXXX. However I finally get a voicemail from them and get access to logging in the portal and somehow they are behind? They also show the payment starting on XX/XX/19 but its XX/XX/19 today and Im behind three months. I will not tolerate this.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted the student loan agency about me being in deferment and I was still reported late. They said it will be updated but nothing happened. The credit bureau didn't follow guidelines and still reported me late.. I came to this country with a vision to succeed. I would never be late on my bills. I work hard to survive and make it.Please help with justice to get these 13 lates removed from my report. Its actually one loan but its reported different on my report. I contacted the student loan to verify. Im beibg reported late 13 times. Please help to update my report
Company Response:
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navient Is reporting delinquent history. They are purging which is the same as re-aging. The bureaus are reporting inaccurate information. The Credit Bureaus are not doing a good job of updating accurate information. Two other issue not reporting correctly. XXXX XXXX XXXX paid as agreed. XXXX XXXX belong to a family member and was in a bankruptcy..
Company Response:
State: AR
Zip: 717XX
Submitted Via: Web
Date Sent: 2019-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navient loan services, formerly known as sallie Mae is reporting that we have a late payment every month and that we are defaulting on a student loan. This was a personal loan, cleared by Bankruptcy chapter XXXX filed back in 2009. They are saying I went to school at XXXX and that is incorrect, as I have attended the university. This was a private loan that they included themselves in and got payment from the bankruptcy. They have been calling and pretending to be a federal loan. This loan on the credit bureau, shows it is a charge off/ bad debt. Yet they report every month that its a late payment. They got money out of a chapter XXXX, marked our credit with bad debt/ charge off, and are now reporting that our payments were good up until a few months ago and are destroying our credit. While we are trying to go through escrow. This company is a fraud and they are liars. They started collections with XXXX a long time ago, and that is who we put in our bankruptcy. And when they changed their name to Navient they started to threaten by by phone this is unacceptable behavior.
Company Response:
State: AZ
Zip: 85120
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-31
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I have 4 loans with Navient. 3 of them are current. The other one is behind. I am constantly getting phones several times a day from Navient. Most of the time automated but theres times theres a human on other end but doesn't leave a message. Today alone I received 6 phone calls. I am aware that I owe the debt. And once a payment is set up via the website that should stop the calls but it doesn't.. There is times I even receive calls before 8 am my time which I am in California and is clearly violation of collection laws.
Company Response:
State: CA
Zip: 92019
Submitted Via: Web
Date Sent: 2019-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was told over the phone by a customer service representative that since I was still in school that my deferment/forbearance was delayed an additional 6 months. I then received 3 consecutive months of delinquent account records ( XX/XX/XXXX-XX/XX/XXXX ) on my credit score from 4 different accounts from the student loan lender Dept Of Ed/navient. I have attempted to contact them about the situation and they disregarded my concern in XXXX/XXXX. I then attempted to file a dispute through the credit bureaus in XX/XX/XXXX. The student loan company Navient is known to do this for countless of its customers. The customer service reps are not professional and will tell you they did something for you when they did not. I am asking that this get removed from my score since it is effecting my ability to find a place to live while I am still a student. I will make payments once I am out of college immediately. I ask that they remove these records as it is their mistake and completely unfair since I received the wrong information over the phone.
Company Response:
State: IL
Zip: 60137
Submitted Via: Web
Date Sent: 2019-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XX/XX/XXXX, I started the process on refiling my income based plan and there is no way to file the paperwork electronically unless IRS data collection was configured when I was still a student and filing for FAFSA. Since I am in repayment I can't enable the feature that would let me file the annual form electronically. There is no excuse for a federal loan servicer to not have the ability to upload documents and forms digitally to expedite the process, especially considering the sensitive information that is sent via mail and preventing identity theft. The process is made more convoluted making it more likely for the deadlines to not be met.
Company Response:
State: OK
Zip: 74804
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-02
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Starting in the summer of XXXX, I started repaying Sallie Mae. At the time, I was making {$1200.00} per month and Sallie Mae asked for {$800.00} per month. I paid it, but I called and tried to ask ask for lower more feasible amount. They threatened and tried to intimidate me by saying that they can make things worse for me and would never help me. I knew then that Sallie Mae was unscrupulous and feckless. A year later, I began XXXX XXXX and my loans were deferred. I left that educational experience two years later and contacted Sallie Mae and they said no payments were do. For some reason, they did not contact me for another two years. By then a mass amount of money was accrued. My {$90000.00} became {$150000.00}. In XXXX, my battles with Sallie Mae which is now Navient became a constant in my life. Every 6 months to 12 months, they would change the payment rate or increase the interest rate. I would call them on these issues and they would say " Its at our discretion '' " We can change the amount anytime we want '' " We will take your house and other belongings '' " You should borrow the money '' It was disgusting. I asked for my promissory note or contract with Sallie Mae and Navient would not send it for 4-5 years. When I finally received it I realized that they had my father listed as a cosigner. Now I made sure several times I did not have a cosigner. In fact, the company said my father was ineligible to be a cosigner. Navient sent me falsified, vague documents and can not keep up their several lies. Recently, Navient has increased my payments to {$1300.00} per month. I am not working and I am full time student. Even if I had a job, I would not pay that insane amount of money per month. I tried to have my father released as cosigner, but they refuse. When I meet all the criteria to have my cosigners released. My father has XXXX XXXX and can no longer work. My mother has four XXXX XXXX and can no longer work. However, they are so quick to say " I don't care '' " Thats your problem ''. When in fact it should have never been a problem. I never signed on with cosigners. I do not want to pay them anymore. I can not trust them to apply necessary payments. I can not trust them not come up with some large monthly amount that will beggar me more. They have said racist, elitist, and all around cruel statements to me when I needed assistance or when I could prove they were wrong. Navient is a feckless, lying company who does not care about the consumer. They want to destroy people 's futures or at best hold them back. They come up with copious amounts on whey they can not assist or treat the consumer fairly. Accounts : XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A