Date Received: 2019-08-28
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I have been trying to ask them to lower the outrages monthly loan amount they expect me to be able to pay. The interest on this loan is SO high I will never be able to pay it back! An original loan of {$10000.00} I now owe {$50000.00} or more ... Ive never been able to pay the CRAZY monthly amounts they have asked for!
Company Response:
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I attended XXXX XXXX XXXX XXXX-XXXX. Ever since my loans were Sallie May ( switched to Navient ). This transfer started confusion and created late payments and more interest. At the same time I was paying 2 other companies, XXXX and XXXX. I tried juggling all to make payments but became impossible. Navient always encouraged forebeafance which gave me the chance to focus on other XXXX and XXXX. I finally learned forebeafance is a scam because it just add more interest to loans. This all started with XXXX XXXX XXXX! I have {$100000.00} in debt. I have filed a BDR to {$60000.00} federal with Navient, XXXX is was sued and have stopped collecting along with XXXX. But Navient private loan worth {$20000.00} that my father is a cosigner on is an issue now. XXXX is a fraud along with the loan servicers. I have came to realize it is a setup depressing like the mortgage crisis. If XXXX XXXX XXXX has been sued for fraud along with other loan servicers connected like XXXX and XXXX, why can Navient private loans stop also? It is fraudulent and Im sick of being tricked and giving them My money. Please help!!!!
Company Response:
State: TN
Zip: 37912
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I told the customer service representative about my current situation, as I had my son XXXX which completely changed our financial situation for the worst. After numerous calls, I talked to one representative who brought me to tears because she hounded me about getting a payment in even though I repeated that I don't have the means. She then told me to ask my parents. Then she asked me did I have any coworkers, friends, or neighbors that would pay off the ENTIRE {$7000.00} balance for me. She told me that people have neighbors and friends who do pay for people 's loans all the time, which is obviously a lie and a tactic to try to get the money by any unethical means. THIS IS HARASSMENT! Not only that how can you change a total balance from {$7000.00} to {$2000.00} to help, if I could produce the amount, but because I can't because I don't work to take care of my ill child, you inflate the amount at your leisure? This company has completely failed me and many other borrowers with their predatory tactics for borrowing and repayment and it should be illegal! This is a harmful company! They say every call may be recorded so I hope they have this one as proof.
Company Response:
State: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I " graduated '' from the now defunct XXXX XXXX XXXX XXXX in 2007. I received an XXXX of XXXX XXXX in XXXX and XXXX. This degree had not helped develop my career one bit and now the degree itself is useless because of the non-accreditation. Not only did I use/lose my GI Bill ( it wasn't enough to cover costs ), I had to take out several private loans to offset the cost. It has been 12 years and I still owe just under {$30000.00} as of today. The school does not exist any longer, it lost its accreditation and the degree has no value.
Company Response:
State: TX
Zip: 78260
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient loan They have been messing with me since day 1 I am a US XXXX veteran. I know they have lawsuits filed against them I am searching for any kind of help i can find. My payments ive paid monthly have gone to nothing. The loan is still at the same amount as when i started in XXXX So for at least 6 years ive been paying a VERY SMALL loan and somehow my payments havent even touched it They did force me to forbearance a while back. And i also heard that they have miss charged US veterans on purpose which is part of the lawsuits, on charging higher interest. I have no help to combat all of this. And am seeking guidance and help with this situation that for years had been effecting my credit and my life that now i have found out the company is just mistreating a lot of customers. Any assistance would be helpful. If this isnt the right place. Whom i should call for help
Company Response:
State: FL
Zip: 34110
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Dates will be a problem but until I was able check the box allowing the lender to access my income tax info I had many problems getting my new deferral or income based repayment. Any forms or pay stubs were submitted at least 3 times with associated heated exchanges by phone. I started calling Sallie Mae my loan shark and telling friends they would send goons to break my knee caps as a way to deal with the annual and prolonged stress. I dont like to be forced to let a faceless company have access to my private info but the stress was giving me XXXX. So I will persist allowing this invasion of my privacy as the lesser of 2 evils. Sallie Mae was evil and so is Navient.
Company Response:
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient forces you to pay the interest owed first before applying any amount to the principle even if I make multiple payments a month or over pay. I make payments and my balance only changes by a cents, nothing significant. When ever I reach out to them to correct how my payment was applied it takes 7-10 days. When I ask them specific questions about my loan the answers are always generic and computer like. I am frustrated and tired of how my loan is being mishandled.
Company Response:
State: NJ
Zip: 08054
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am trying to remove two loan amounts, listed below, from a school I DID NOT attend from my account. and receive reimbursement for any payments that have been made to Navient. XX/XX/XXXX XXXX XXXX - Unsubsidized {$9400.00} Status Awarded XX/XX/XXXX School XXXX UNIVERSITY Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/NAVIENT Disbursement Date XX/XX/XXXX Original Principal {$9400.00} XX/XX/XXXX XXXX XXXX - Subsidized {$13000.00} Status Awarded XX/XX/XXXX School XXXX UNIVERSITY Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/NAVIENT Disbursement Date XX/XX/XXXX Original Principal {$13000.00} XX/XX/XXXX Logged into Navient Student loan account to review status of repayment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Graduated XXXX ). Noticed there was a Disbursement of {$22000.00} on XX/XX/XXXX from XXXX University ( I did NOT attend XXXX in XXXX ). XX/XX/XXXX Called and Emailed XXXX University regarding Incorrect disbursement. Spoke with XXXX XXXX / Collection Specialist. " I have a Balance of {$0.00} from XX/XX/XXXX ( See attached ). I had all loans cancelled XX/XX/XXXX as I was enrolled through the employee assistance program at the time and was laid off after my first week of attendance involuntarily. '' I was advised by XXXX to contact National Loan Student Data System ( NSLDS ). XX/XX/XXXX XXXX University XXXX XXXX / Collection Specialist recommended I speak with the Registrars office at XXXX option 4 & 6 or the AR department at ext XXXX Regarding loan corrections. XX/XX/XXXX I contacted the National Loan Student Data System ( NSLDS ) with my issue and received a Complaint Case Number XXXX. XX/XX/XXXX Called Navient to have XXXX University loan removed from my account as It was not correct, I did not attend XXXX, nor take out a loan of {$22000.00}. Was advised to contact their internal Investigative line for loans at ( XXXX ) XXXX. Was net with a mailbox where I recorded my issues as there was no person to answer. I have not received a call back. XX/XX/XXXX Called Navient back and was advised to visit the Borrower Defense to Repayment website for Federal Student aid at https : //studentaid.ed.gov to file a claim. XX/XX/XXXX Contacted XXXX through XXXX XXXX to have my Identity reviewed for Fraudulent activity at ( XXXX ) XXXX. XX/XX/XXXX Removed Auto-pay from Navient and contacted Consumer Financial Protection Bureau again to file a second claim regarding this issue as I have not yet have this resolved.
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I took out a Federal Parent Plus loan in XXXX. I made some payments, then went back to school, loans were deferred. Each year, after I graduated in XXXX, I applied for income driven loan payments. All my student loans have always been approved for income based payments, as this years, but Navient decided to deny approval. They not only denied but never notified me of the denial. When I did discover, by accident, they informed me I was late on my payments. I requested by phone and email to send detail information. The only thing I received from them was a payment booklet. I began making monthly payments using the booklet, but I remain to get phone calls from them, several times a day, saying I was late on my payments. I explained that I started making the payments, as the payment booklet states, but the lady said booklet was incorrect and I am a month behind. I asked that this be corrected and late fees be removed because it was their error. She refused to help assist me in anyway. I am asking that all late fees be removed and any negative remarks on my credit report be corrected.
Company Response:
State: KY
Zip: 42301
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had a student loan with Navient as the loan servicer. I submitted a deferment as my daughter is still in school and wouldn't have to start repayment till after graduation. Navient didn't notify me that I had any due payments till I saw my credit score and saw that the loan defaulted and was sent to collections. There was about 6-9 months where payments weren't being made as I had no notification of there being any due balance. I spoke with Navient and they had nothing to say about them not sending any emails, letters, or phone calls about being " late '' on payments. They told me it was out of their hands now and I have to deal with the collections company.
Company Response:
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A