Date Received: 2019-08-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NAVIENT has failed to send the paid in full letter that been requested on three separate occasions. Once towards the end of XXXX 2019, a second time on XX/XX/2019 and a third time on XX/XX/2019. I still have not received the paid in full letter. I was advised I would receive the paid in full letter by the XXXX XXXX team, which is a direct team of NAVIENT contact number is XXXX. This team advised their records show paid off date as ofXX/XX/2019 on all three accounts.In addition, to requesting that paid off letters on three separate occasions I also received a call from a law firm stating that my loans no longer needed to be repaid because my loans were submitted into the NAVIENT lawsuit and all payment request from NAVIENT are to cease. This call was received after the accounts were paid through the law firm that NAVIENT obtained to collect the private student loans. The fact that they have not sent the letter to me, so that I can send it to XXXX as well as all the other credit bureaus is affecting my credit. I have contacted XXXX on serval occasions asking them to update the information and they refuse to because NAVIENT is failing to update XXXX.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I had fraud on my student loan over XXXX. Sallie Mae held the loan. Navient bought it. Monies dispersed to a college I never attended in another county. College shut down and Ive contacted Navient fraud over 20 times, no resolve. They say since it happened before they bought the loan they arent responsible. I called FBI, etc and they did paperwork. I was sent notice from XXXX DC about my identity being compromised. Still no resolve and interest is growing. I need this issue resolved its been over 6 years trying to get someone to take responsibility. Navient also automatically defers and adds feed and compound interest without permission they just send notice of what they did to my account.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Two incidents of Identity Theft and Loan Fraud were detected in my credit report. Both were student loans issued to XXXX XXXX with me as the co-signer. I submitted fraud packets as requested by Navient and XXXX XXXX ( both attached ). XXXX XXXX release me of liability promptly ( release letter attached ). However, Navient seems indifferent, even though as per Fraud Affidavit, I am a victim of Identity Theft and Loan Fraud which resulted in unauthorized use of my personal information such as name, DOB, SSA #, and my tax return to obtain approval for a student loan for XXXX XXXX. I have never consented to, nor signed any documents relating to this student loan for XXXX XXXX in any capacity. Additionally, I have always personally signed loan documents ( promissory notes included ) usually notarized. I have never allowed electronic signatures to be used on my behalf for loan documents ( promissory notes included ). These details were related to Navient 's fraud department employee name XXXX ( ID # XXXX ) on two separate calls in which this employee express indifference and indicated my situation may or may not ever be resolved.
Company Response:
State: NM
Zip: 871XX
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Called to inform them that I was out of work with no income. I had to apply for government assistance. I am unable to pay my student loan and could I get help. They told me we cant help you. I said well I cant pay you. Im applying for XXXX there was no resolution. They continue to call and harass me about payment.
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I have spine. To Navient numerous times, I had a fixed interest loan, and somehow they keep increasing the interest rate. Additionally, they keep increasing my loan balance. The loan balance is almost twice what it was, and I have been paying back this loan for over 10 years. Can you please help to shut this company down?
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This debt collection firm is looking for a person who is not at this number, to whom I am not related nor acquainted, and has not been in the 15 years that I've had it. This has happened repeatedly, and they are again making daily calls looking for this person.
Company Response:
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Looking at my credit report and checking my loan balances i noticed that all of my student loans through Navient have a 0 % repayment. I have been paying on them for a little over a year now and the loan balances have gone up and not down! How is this even possible?
Company Response:
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Navient has steered me into forbearance multiple times. I recently found out that my account was past due but apparently Ive run out of forbearances, although i do not recall being told that there was a limit to them. They told me this on XX/XX/XXXX and then reported negative remarks on my credit report XX/XX/XXXX because I was unable to bring my account current by then. This has made my credit score drop over 100 points. I have tried to explain to them how unfair and wrong this is, especially since a supervisor admittedly told me today that they are not supposed to offer and or process back to back forbearances. But because they consider it an accurate reporting they are unwilling to help me. I am a parent with low income and I can not afford to accept this.
Company Response:
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-15
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: My name is XXXX XXXX. I am currently a XXXX at XXXX XXXX College. I recently reviewed my credit report and was surprised to see that I had missed payments on my private and federal student loans. After doing some investigation, I realize that I completed both of my classes with a passing grade in the fall semester ( 2017 ) and this triggered my credit report on ( XX/XX/XXXX& XX/XX/XXXXof 2017 as missed payments ) and trigger an automatic repayment schedule. My loans should of been in in school deferment status after the fall semester ( 2017 ). I also sent out a letter to Navient directly and I haven't gotten a response back yet. it been about a few weeks now.
Company Response:
State: AZ
Zip: 85037
Submitted Via: Web
Date Sent: 2019-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-15
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I am unable to lower my student loan payments to an amount that is reasonable for some of my private loans. I have some private loans with Navient and some with Sallie Mae ( we were also not told and were not aware that these companies split and took put half of my loans with each provider ). They will not allow me to enter a lower payment plan, and only offered me temporary forbearance which will inevitably make my debt higher. I was on a lower monthly payment plan paying approximately {$390.00} on my Navient private loans ( which mind you does not include the Sallie Mae {$400.00} payments or my federal loan payments ). They are not telling me that I owe over {$700.00} a month on thee private loans. I have not been given any option aside from forbearance, or interest only payments which are still north of {$650.00} a month. This month, XX/XX/2019, I also received two emails within the same week stating that I owe two different amounts on my loans. It does not provide any context or clarity as to why I have received two separate statement. I should not have only been offered forbearance OR interest only payments which would not count towards my principal balance. These options do nothing but put myself as the borrower in a terrible position. Not only can I not afford what is being offered, going into forbearance will only cause my loans to increase.
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2019-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A