Date Received: 2019-08-19
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I was called by the number XXXX and was requested my social security number to gain access to my account and then was told they could not gain access and was then forwarded to a dead line. How can I protect my social number now or will they be able to use it to create fake credit accounts.
Company Response:
State: IN
Zip: 47403
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: XX/XX/2019Trying to contact navient and a third party who said they were located in the XXXX answered when I used the link in my email from Navient I called XXXX XXXX XXXX XXXX and there was no regular greeting or dial tone at all, until it rang to what sounded like an extension. a man who didn’t have my account info and didn’t know why I was calling, which was out of the ordinary, answered and had me spell my name. They asked for full social security numbers. My phone said I was calling fishers, Indiana and so I ended the call due to the discrepancy. The man said all navient customer service was located in the XXXX. They had old statuses on my account, and possibly were the same with a woman who Called a couple months ago and didn’t know my information.Calling other numbers brought me eventually to a woman who said she was in XXXX, and I feel very confused by the different locations and distrusting. The woman who said she was located in XXXX said to file this report. My partner in the home spoke with the same apparently third party number- he received three calls although his account is up to date.
Company Response:
State: IN
Zip: 47403
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I started receiving phone calls from my relatives onXX/XX/19 in regards to a debt owed. I had no recollection of the debt it was in regards to. PCR (Pioneer Credit Recovery) has contacted over 10 family and friends in regards to a debt I’m unaware of. Today, XX/XX/19 I received a call at XXXX at my job in regards to student loan debt that I have disputed the amount and received no additional information after the dispute. The guy that called my relatives and employer is XXXX XXXX. The number he called from was (XXXX) XXXX. I advised him to cease and desist calling my job and relatives and friends, as well as myself. I advised him to please email or mail me all correspondence in regards to this matter. The associate stated they’d continue to call my job and me because they work for the government and they have that right. Also, he advised me that my wages would be garnished. I couldn’t continue with the conversation due to being at work.
Company Response:
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Repeated calls three to 4 times a day, Harassing family members and threatening them fro personal information, as well as calling an office I am contracted with not employed and falsifying why they need to speak with me even after I have told this company to stop calling there and stop calling family members. It is against my company policy to get these calls. Credit company is called pioneer credit also goes by ph # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-18
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Yes i received a letter today from Navient that my account is under review for litigation for a balance of XXXX and I have 15 days from the date of the letter to respond. My mother and I took the private loan out in XXXX XXXX when it was sallie Mae when I was attending college in Illinois. I have made payments throughout the years when Navient had a “program” called interest only payments where Navient lowered my payments to what I can afford. Then as of XXXX XXXX Navient says they no longer have the program and can not help me or my mother and pay now or else. I was paying XXXX per month now this year my payments jumped to XXXX per month due to “interest.” When I ask for documentation for the program no longer existing or other program options or even loan term agreements they refused to send documents to me via mail. They continue harassing my mother and with threatening calls as well. I want to this to end immediately and to come to a agreement where I can afford my payments based on my income. Thank you for your time and patience!
Company Response:
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2019-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Well basically they’ve directed me to put my loan in forbearance multiple times and didn’t give me the opportunity to use the income based plans.
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2019-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-17
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have several loans with Navient that were reported late around XXXX of 2017. This was in error as the company had not applied the agreed forbearance or deferment. After several months this came to my attention and the account was rectified with charges reimbursed and the proper status applied to the account. The account service did not correct the late payment history and as such the 6 loans each report 5 late payments adding 30 late payment marks to my credit report and affecting my credit score negatively by more than 100 points. This drastically affects my ability to get a home and provide for my family. When calling Navient some representatives apologize and tell me they will correct the mistake. Several months later the error still exists and when I call back new representatives tell me they will not make the change and there's nothing I can do. This error was made due to their loan servicing and needs to be corrected to remove the late payments as such.
Company Response:
State: NC
Zip: 28112
Submitted Via: Web
Date Sent: 2019-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I started an investigation of my Navient account with all three credit bureau, because XXXXis saying my student loan is paid in full. However XXXX and XXXX are stating theaccount is not paid, above all the Navient account has been paid off since XX/XX/XXXX oflast year. Since then I have contacted my lender who states they can't control what the bureauare reporting and that I need to talk them. This limbo between the bureaus and my old lenderhave gone on for a while now and I keep requesting investigation but they are not helping.
Company Response:
State: IL
Zip: 603XX
Submitted Via: Web
Date Sent: 2019-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-18
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: My name is XXXX XXXX and I attended the Institute of art in XXXX MA in XX/XX/XXXX and XX/XX/XXXX. I am looking for relief from a private loan that has been existent since XX/XX/XXXX. The financial process has become unbearable with Navient and I am honorably requesting a relief from this loan. The loan was payed faithfully for over 10 years and it seems that it barely affects the balance.I did not attend after XX/XX/XXXX and I have run out of options for getting help, so I will seek further sources but I'm presuming that this school had control over this loan. Please email me with any information to relief this redundant debt that has left a mark of struggle for years. I will provide the loan detail with response and trust.Thank you
Company Response:
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2019-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-18
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: I have 3 student loan accounts from the creditor Navient. On each of the 3 loans theres reported late payments from XX/XX/2016 - XX/XX/2016. This information is inaccurate as the loans were in forbearance at the time and no payment was due. The FCRA forbids XXXX from reporting this information because it is inaccurate and I have provided an abundance of information proving it to be inaccurate. A) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. . (B) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if . (i) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate; and . (ii) the information is, in fact, inaccurate. XXXX only states they are submitting a "dispute" or "investigation". Black's Law Dictionary defines an investigation as INVESTIGATION. To follow up step by step by patient inquiry or observation; to trace or track mentally; to search into; to examine and inquire into with care and accuracy; to find out by care- ful inquisition; examination; the taking of evi- dence; a legal inquiry. XXXX XXXX XXXX, 49 Mont. 46, 139 P. 999, 1001; People ex rel. XXXX XXXX XXXX, 217 N.Y.S. 477, 479, 127 Misc. 791. Application of Gilchrist, 130 Misc. 456, 224 N.Y.S. 210, 219. I have provided a preponderance of irrefutable evidence and information to assist in XXXX investigation. XXXX is violating my rights as they are granted to me under FCRA, and falsely misrepresenting themselves as an authority capable of deciding against the ruling of the U.S. high court and Federal Trade Commission, the governing body over the FCRA.I have attached an email showing my request for forbearance during the reported period, a letter from Navient confirming my account was in forebearance during the time, a historical report of my loan status from the National Student Loan Data System, and the FTC Harris Advisory opinion which is a ruling that states plainly, this information should be updated.
Company Response:
State: TX
Zip: 75218
Submitted Via: Web
Date Sent: 2019-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A