Date Received: 2019-08-25
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: My balance actually goes UP every month. I have called, and sent numerous emails over the past 60 days with NO RETURN call. I get texts that ask If my Navient problem has been taken care of -- -I reply NO. Nothing else happens. I had been paying interest only for years and did not even realize it. NOticed my balance staying the same and made contact to increase my monthly payment. No balance is higher.
Company Response:
State: KS
Zip: 67226
Submitted Via: Web
Date Sent: 2019-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-24
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I can't get into my account to make payments. When I log into my account it comes to a page that says " Error : We're sorry - an error occurred. Please come back later and try again. '' This has been happening for 2 months.
Company Response:
State: CA
Zip: 91360
Submitted Via: Web
Date Sent: 2019-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I had my loan with Navient for over 10 years and I was waiting to complete the 10 years of repayments in order to qualify for the Public Service Loan Forgiveness program. I was never late on any of my payments and after 10 years I decided to submit my application. Around XX/XX/2018, I contacted Navient to begin the process of applying for the PSLF and I was told I needed to consolidate my loan. I did and consolidated my loan. After consolidation, I was told, like thousands other borrowers, that my repayment plan I was under Navient didn't qualify for the PSLF and I needed to spend another 10 years in repayment. At one point I was told I couldn't apply because my loan was consolidated. I've asked for the decision to be reconsidered and I have been denied twice because of the same reason. I am another one of the student loan borrowers who were misled and misinformed by Navient. At least four states have filed a lawsuit against them. I want Navient to repair the damage and get my student loan forgiven as promised.
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2019-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XX/XX/2019 I submitted a complaint, the response I received from Navient was like a robot response. My statements do not allow a me to know the interest is declining on my loans, also since I have been paying my loans I have made the following payments XX/XX/2019 - {$450.00} based on making extra payments. My interest is decreasing but no where on the statement does it show it being subtracted from the balance. If I do not look closely it looks like the balance is the same since the original amount of back interest was over {$10000.00}. XX/XX/2019 Payment {$450.00}, XX/XX/2019 XXXX, XX/XX/2019 {$100.00}, XX/XX/2019 {$320.00}, XX/XX/2019 {$200.00}, XX/XX/2019 {$200.00}. Navient sends a robotic response about Income Repayment and how it works. I do not receive an answer to why my repayment is not being deducted online or on my statements. It makes it very difficult to get Navient Service Provider Customer Service to give direct answers. It's like getting the run around. Even though they responded to my complaint the answer is the same answer I receive every single time. I do know there is a lawsuit, Case 3:17-cv-00101-RDM, IN THE UNITED STATES DISTRICT COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA. I also read there are other states who have other complaints against Navient. I would appreciate if New Jersey would file a complaint as well. Reason being as a graduated student who has student loans, the statement was changed for students who are on the Income-Driven Repayment ( IDR ) Plans do not receive the correct statements about payments being deducted or how their payments are reducing their loans or if the interest is accruing. As an adult and former student I think this needs to be rectified because it gives students the impression payments are not being deducted from the account. The online reads the original amount of the debt, it does not show a reduction in the balance neither does the statements. Navient refuses to allow students this important information and the statements are not the only problem. The online statement deceives a student or borrower from understanding that payment should be made. I have on the Navient site that I want to be billed every month and online it says no payment is due. My due date is the XX/XX/XXXX of every month. This deceives a person to believe they can skip that months payment. When in actuality they owe a payment that may not show up until the XX/XX/XXXXof the month. The Ethical practices of Navient is the problem for students. They do not answer questions with a direct answer, the statements are hard to read, do not show a balance the subtraction of a payment and the add in of interest for the month. They do not allow students to know a payment is do online two weeks prior to a payment being owed. Students get robotic responses or script responses that do not give proper information on where a payment is going, how much their interest is a month per consolidated loan Subsidized or Unsubsidized and no where on the statement does it show a breakdown of where the payments are subtracted from the interest or the full consolidated interest. Only traditional loans or Standard loans are receiving a proper statement that deducts the payments and shows accrued interest.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2019-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XXXX my loans were consolidated FFEL loans. Over the years of my loans, I was. Federal employee with the Dept of the XXXX XXXX and was working toward Loan Forgiveness when 120 payments were made. During this time, when I spoke with Navient reps, they always confirmed my loans would qualify because this is what I was working towards and in XXXX when the US Department of Education and Student Loan Aid declined my application for Forgiveness I couldnt believe what I was hearing. I started working for Department of the XXXX XXXX in XXXX while attending college. I consolidated my loans not just for lower payments but to qualify for the Loan Forgiveness for Public Service. Well, I contacted Navient and told them I was denied due to type of loans I had and they did not qualify because they were not Direct Consolidated loans. They said that was correct and I could apply for a qualifying consolidated loan but the XXXX years of payments would have to begin again from start. At this point I did not trust Navient and left my loans as they were. Last year when other types of loans that did not originally qualify for forgiveness could now qualify under a short window of time, I applied and never heard anything so I called and spoke to a rep with the federal Student Aid program and was told the FFEL consolidated loans did not qualify and some words exchanged and I was told to make sure someone had their contact information so when I died they could call the Federal Student Aid office and then my loans would be forgiven. I got upset and said to her that after working 20 years in XXXX XXXX that the only way I would qualify for loan forgiveness was to die and she said yes. I am XXXX years old and still working in public service and worried about retiring with this debt, I am currently on a short term graduated pay plan to get my loans caught up after several forebearances at suggestion of Navient rep when I got behind. I dont know who to trust regarding paying toward a loan forgiveness for public service. Looking for some help. I know I am not the only person in this situation.
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2019-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Between XX/XX/XXXX-XX/XX/XXXX, XXXX College pulled out loans in my name after giving me false information and telling me that they would apply for free " financial aid. '' Telling me that that they would assist me in applying for free aid and grants that I did not have to pay back. I am a first generation college student of immigrant parents, and XXXX College took advantage of me to pull out loans fraudulently in my name with Sallie Mae/Navient. In XX/XX/XXXX, XXXX College Financial Aid Staff did not tell me or properly informed me that the " free financial aid '' that they were asking me to sign for, was in actuality private and federal loans. Loans that were pulled out with Sallie Mae ( AKA Navient ) had very high interest rates. Staff at XXXX assured me that I did not need to pay back for anything at all ever, since they had found free scholarships and aid from the government and other available programs to pay for school. XXXX College in XX/XX/XXXX originally informed me that I did not qualify for the CAL Grant, a grand available in the State of California. That was a lie, they actually applied for it and took the money without telling me. I did not find out about this until XX/XX/XXXXwhen I attempted to go back to school at an accredited XXXX College that informed me that XXXX College and other school like them used predatory tactics. And in essence scammed me and other people from getting a real education in order to apply for " financial aid '' as loans so that they could keep the money. XXXX College Staff and Teachers also lied to me about their accreditation and that their credits were fully transferable, when they are not and no accredited University will accept or recognize any credits from them. I have asked Sallie Mae/Navient for over 4.5 years for original copies of the debt or paperwork with any information or anything with my alleged signature from Sallie Mae/Navient representatives. And I have asked Sallie Mae/Navient to provide proof that XXXX College did not do anything illegal. And to prove that they did not apply or sign for loans in my name. Navient Staff have been threatening me with legal action or with ruining my credit if I do not pay right away. Their Staff has also offered me " deals '' or " offers '' to basically settle the loan or to pay a certain amount to get the fraudulent loans to good standing. Navient Staff says that they will send me copies of the loans with my alleged signature and an alleged Master Promissary Note. It will be 5 years in XX/XX/XXXX, and I have still yet to receive any kind of documentation. Other than past due bills ( with no copies of the original debt ) or threats to pursue litigation or take me to court if I do not comply. I have never received any proper documentation of the debt from Navient. It is my understanding that this is illegal or unethical under the FTC regulations regarding collecting a private debt. I have asked for years for copies of the debt or to see any original paperwork, and I have refused to pay anything until I see proper paperwork that proves that I owe anything, and that nothing illegal happened during my time at XXXX.
Company Response:
State: CA
Zip: 91766
Submitted Via: Web
Date Sent: 2019-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/2019, I submitted a XXXX complaint regarding my balance. When the responded on XX/XX/XXXX, XXXX XXXX sent me a password protected document. When I opened it, it was someone else 's information including name and loan information. I responded back inquiring for my info and she said to delete that right away and sent me the correct document. My document has the same password and it has my Social Security Number! She said my info was not sent to anyone but had no way to prove this information. I asked for a supervisor and submitted another XXXX complaint as I was brushed off. The same day, XX/XX/XXXX, XXXX XXXX emailed me saying nothing was sent to 'the other individual ' and brushed me off. What about the possibility if was sent to any other customer? I dont know these people and he is not part of the IT team to tell me that someone didnt delete the emails and then proceed to 'claim ' nothing was sent to this person. Its easy to try and cover these things up and given their reputation, I'm sure they will never admit fault. They have caused me hours and hours of time calling credit bureaus, emailing them back and forth with no resolve except that they expect me to take their word for it! Even after saying I refuse to believe a stranger, he still says the same thing in his emails like I'm no one. I spent time calling lawyers, asking for recommendations, trying to get someone to listen as they take this as a laughing matter. I work with privacy act information and when something like this happens, we make it right. I deserve credit monitoring and something for all my time dealing with this. Had they done the right thing in the first place, this would be resolved by now.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2019-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-23
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: My financial aid package, which was tediously setup by the financial aid office at XXXX XXXX XXXX, currently includes a remaining XXXX in private loans and just under 8k in federal loans. I pay {$160.00} ( federal ) and {$250.00} ( private ) consolidated loans to Navient ( formerly Sallie Mae ). I have just over 31k in remaining balance. If I continue paying at the prescribed monthly rates until the loan matures, I will have paid over {$190000.00} over the course of 40 years. This is an egregious amount to pay over most of my lifetime, for a degree that will no longer be recognized as an industry standard acceptable degree from a reputable school. As such, I am seeking some retribution from the company that defrauded me into believing that I was paying a reasonable price for an industry recognized degree in a marketable skillset provided by a well-recognized school.
Company Response:
State: LA
Zip: 70068
Submitted Via: Web
Date Sent: 2019-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I received a Private Loan from Sallie Mae back in College in XXXX. It was transferred to Navient. I have been fighting back and forth with intimidating customer service rep to get this loan taken care of. On XX/XX/XXXX I paid {$840.00} to the company to have my dad take off the loan. This was not a payment on the loan or at least that is what she informed me. I NEVER received a receipt, payment confirmation or there was nothing. She stated i would be responsible but my loan amount would be lowered. It was reported the same amount from XXXX. It has been 13 years since I have been dealing with this loans. There are so many different balances on each report. I I have requested payment updates, goodwill letters that was just sent XX/XX/XXXX, I have called multiple times and they keep reporting on my credit as delinquent as if it is a new loan. When I called on XX/XX/XXXX, she could not provide a reason and even after asking for assistance with the payment she gave me a collection agency number. It is so deceptive to report things like this. Its in charge off one month, the next month is failure to pay and the next it is 90 days past due. They keep reaging this loan each time it hit my credit report from another company. I have been trying to work with this company to no avail. This is affecting my score terribly.
Company Response:
State: TX
Zip: 76017
Submitted Via: Web
Date Sent: 2019-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I took out a loan to go to school total of {$6400.00} in XXXX The school after a few months refunded the loaning company {$1500.00} XXXX XX/XX/XXXX ) I have been paying on this loan since I took the loan out. I missed a few payments in XXXX and talked with the company about setting up an autopay option. I was told that by doing so I was assured to pay off the loan faster. They ( Navient ) but me on a 20 year variable interest rate loan which I didn't agree to. I have been doing the auto-pay option since XXXX and they will take $ XXXX {$100.00} a month. After a few years I went to try and log onto my account online but couldn't, I got a message that the account was invalid. Money still was being taking out of my account. Recently I closed that checking account forgetting about the auto-pay to Navient. I have gotten numerous threatening calls at least 6 times a day. So I looked into how much I have paid on this loan, {$12000.00} on a loan for {$6400.00}. Navient claims that I still owe them {$3400.00} because it is a 20 year loan. I have put in request to speak with their Ombudsman, I have gotten a few responses but no resolve to my issue. Only that they are going to look into it further.
Company Response:
State: CA
Zip: 91403
Submitted Via: Web
Date Sent: 2019-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A