Date Received: 2019-08-12
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: In XX/XX/XXXX, I enrolled at XXXX University ( Formerly XXXX XXXX University ) and sought financial aide and the usage of the GI Bill. I am now a XXXX XXXX veteran ( XXXX XXXX ), no longer able to work due to multiple XXXX conditions. Financial Aid requested I needed additional money to cover the expenses for an XXXX Degree since my GI Bill did not cover and was informed I could get aide through federal loans. I did receive these loans but was informed I needed a co-signer to cover the remaining tuition, thus my deceased step-father did for me. There are no financial statements of payments from the XXXX GI Bill, Federal Loans or Sallie Mae Private Loans. After graduating, in XX/XX/XXXX, my loans had reached the grace period and I began making payments. I was unaware at the time the Sallie Mae loans were from a private lender and not federal subsidized loans, the university referenced the loans as " federal loans ''. The university sales representative promised employment after graduation then later coaxed me into pursuing a XXXX Degree in XXXX but I soon dropped out for medical reasons. After graduation in XX/XX/XXXX, I attempted to find employment through the school and on my own but remained unemployed for almost 2 years. In XX/XX/XXXX, I relocated to MD as a result of unemployment and Sallie Mae reported negatively on my credit although they were aware of my unemployment and inability to pay at that time and was told I did not qualify for a deferment but a forbearance with a {$100.00} fee. My financial hardships, medical hardships and hospitalizations, Navient provided minimal repayment options after calculating my expenses and still requesting payments beyond my ability to pay. Requests to correct inaccuracies on my credit report, arrange agreeable payment terms and options, or to be placed in a reduced payment program were fruitless. I was forced to setup automatic payments after being denied a forbearance according to Navient payment terms and conditions which they stated says no forbearance requests would be approved if the borrower has exceeded a 36 month time-frame regardless of the original disbursement of the loan, even if due to unemployment nor was a copy of these terms provided as stated to be in the promissory note, from the previous servicer, Sallie Mae. I struggled to repay my loans and only once placed in an interest-only payment plan for 1 year only in XX/XX/XXXX-XX/XX/XXXX, which thereafter I qualified for no other programs, even Income-Based Repayment. Confirmation # XXXX for {$220.00} was applied and the previous auto-payment agreement was removed. My D, of ED-Navient were favorably deferred during this time. In XX/XX/XXXX, my step-father ( co-signer ) died and again had troubles with harassing calls, illegal correspondence to my deceased father after providing a copy of the death certificate. I made three-payments to enter a program with XXXX on XX/XX/XXXX to have automatic withdrawals for of various amounts to catch up. XX/XX/XXXX, I became very ill due to my XXXX during the XXXX XXXX XXXX. My auto-debit was cancelled in the amount of {$220.00} with XXXX XXXX. I was transferred to the military department to see if I could get my loans reevaluated but was told by XXXX, to pay {$220.00} by the XX/XX/XXXX. I am currently pursuing XXXX as a result of being unable to find sustainable employment to accommodate my medical conditions and after having credit inaccuracies removed from my credit through XXXX XXXX XXXX. Today, the Lender informed me that there were charge-offs for three accounts on my XXXX credit report. However, I never received any notice of a charge-off to my account via email or mail. The three letters that were obtained from Navient website, sent to my old address, although updated online, were after my attempts to make arrangements and their refusal to offer payment options due to my unemployment. XXXX ( XXXX ) stated on XX/XX/XXXX, that she would note my account of the financial and medical circumstances but no payment options or delayed payments were offered. Letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stated only being delinquent and final notice threats to pay and to be sent to litigation. XXXX XXXX confirmed removal of these three negative marks on my XXXX credit report in XX/XX/XXXX and XX/XX/XXXX. Due to losing all of my federal TSP retirement to pay medical, relocation and other financial obligations to avoid homelessness, I submitted a request for loan discharge on XX/XX/XXXX for loan discharge however it was not processed. Please review this complaint in reference to improper tactics for Signature Loans, Sallie Mae and Navient for harassment, denial of forbearance requests, denial of attempts to make payment arrangements, reduced payments or deferment during unemployment, financial and medical hardships and threat tactics of litigation, false credit reporting and misrepresentation of loan types.
Company Response:
State: VA
Zip: 23608
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My story is like most stories held by others who are anxiously awaiting Public Service Loan Forgiveness. I was the first in my family to attend college and I went on to pay my own way through undergraduate and graduate school at two of the top universities in Ohio. As a kid growing up in the city of XXXX, I always knew I wanted to help people and make a difference ; but I didnt know exactly what career path that would lead me to. I graduated from the University of XXXX in XX/XX/XXXXwith a XXXX in XXXX and I was one of the first students to receive a XXXX in XXXX XXXX XXXX XXXX. I knew I had to pursue graduate school if I wanted to be employed and afford to live on my own. I immediately entered XXXX XXXX XXXX Universitys XXXX XXXX school and worked diligently for two years to receive a XXXX XXXX and XXXX XXXX XXXX XXXX. Knowing I was graduating during the Great Recession, I acted quickly to find ways to manage my looming amount of student loan debt. I was entering the XXXX XXXX field where my first job was starting at {$26000.00} with long hours and unsafe conditions. Unlike many of my fellow classmates, I didnt have financial assistance available from my parents or other means to pay for my education. I was fortunate to have an aunt who allowed me to live with her for many years in order for me to be able to afford my monthly student loan payments and also continue to provide financial support to my aging parents. I found the PSLF program my last year of graduate school and immediately had my eligible loans consolidated, entered an Income Based Repayment Plan and made every monthly payment. I spoke with the loan companies and the Department of Education regularly to ensure I was correctly enrolled and waited as patiently as I could for details to arise about how the PSLF would work. Once more information became available regarding the PSLF, I completed paperwork and submitted it to ensure that I was maintaining my eligibility for this program. Over the last ten years, I have worked at five different places of employment, all of which have met the qualifications for PSLF. I have submitted all necessary paperwork, often multiple times due to the mishandling of documents by the loan servicer. I made numerous calls to clarify and correct information and to verify I was still eligible and on the path for PSLF. I have never deferred, defaulted or missed a single loan payment. Not all public service jobs are alike. In the XXXX XXXX field, the employment opportunities are often long hours, low pay, and high stress which leads to compassion fatigue, XXXX XXXX and burnout. Ive read many articles related to the hardships people are facing due to misleading information about PSLF. Stories from doctors, lawyers, teachers and others. I want someone to be sure to tell the story of XXXX XXXX. In these last ten years, I worked in residential treatment facilities, major healthcare systems, public education, and government offices. I have worked with children who experience severe sexual and physical trauma, foster care families, individuals fighting cancer and our aging population. I have developed trauma therapy curricula for children with autism, wrote policies to prevent interpersonal violence in schools, and led innovative programs to address the opioid crisis in our communities. I did this work because I have an unwavering belief my purpose is to serve. I did this work because I have seen how our systems continue to fail and harm our neighbors, schools and communities. I didnt go into this field to make money or even with the knowledge that PSLF was an option. I did it to pursue my purpose to serve and try to use my gifts to influence change. And honestly, that mission has come at a cost due to the amount of sacrifices I have made to maintain my eligibility for this PSLF. Sacrifices that look like forgoing better paying job opportunities, not building a substantial savings account to buy a home, and staying in jobs where I have been physically assaulted. Ten years ago, I graduated with my XXXX degree and started this PSLF journey. That passion fueled, service driven woman who was ready to work hard and change systems is worn down by a series of failed promises. The year I have been waiting for has come and I unfortunately do not know what lies ahead. I have completed all the necessary steps for the PSLF and have been informed over the last several months by the Department of Education that they are now manually counting my payments to determine my eligibility. They state this could take up to a year to complete. I have called relentlessly over these last ten years, took names and employee ID numbers, received different confirmations and various stories related to the fate of my student loans. I have watched them lose my paperwork several times thus delaying processing. Because of the high interest rates, my total loan amount is reaching well over {$100000.00}. But I dont have any answers. The Department of Education has informed me this week that they do not either. They are unable to give me any information related to my PSLF status and if I will even have my loans forgiven. I am so close and yet also so far away from knowing what direction I am going in. I have put off opportunities not only to make more money to support myself but more importantly, to effect change on a bigger level than any nonprofit I have ever worked for. I cant move to fulfill my dreams of living near my family or starting a family of my own in fear of jeopardizing my PSLF eligibility. My story is like many others who have been working in the XXXX XXXX field and tirelessly pursuing PSLF. Our field cant survive without this kind of loan relief. In a time where we need more XXXX XXXX we are at great risk of losing an entire industry of helpers. When I speak to students, interns and new hires looking to be in XXXX XXXX or the nonprofit sector, I have to have an honest conversation with them about the risks that come with choosing this career path. Not only do we face the risk of violence, burn out and high stress levels, we also now carry the burden of not knowing if we can financially care for ourselves and our families because of the choice to be of service. For something that should feel like a gift, it is starting to feel more like a punishment. I hold a lot of privilege as a XXXX woman who has received a graduate level degree and maintains a successful career. I do not take the opportunity for PSLF for granted and have gone above and beyond to meet the qualifications for this program. If sharing my student loan debt experience can help catalyze change to support others in this field than I want to be sure I use my voice as an instrument of change. I appreciate you taking the time to listen to my story and I would be grateful for the opportunity to discuss this further. Timeline Please note : calls were made regularly to verify eligibility for PSLF, paperwork was submitted regularly and on time to prove income for IBR, payments were made monthly with no lapse of time or delay. I have documentation and proof of payment since XX/XX/XXXX. XX/XX/XXXX- graduated from the University of XXXX XX/XX/XXXX-graduated from XXXX XXXX XXXX University XX/XX/XXXX- applied for loan consolidation with XXXX XXXX XX/XX/XXXX-application accepted and loans consolidated through XXXX XXXX with Income Based Repayment ( IBR ) XX/XX/XXXX- received a letter stating XXXX XXXX sent me an Income Contingent Repayment ( ICR ) letter in error when I have and continue to be on the Income Based Repayment ( IBR ) plan. XX/XX/XXXX-XXXX XXXX informed me that they were transferring my account to XXXX XX/XX/XXXX-received notice from XXXX they were putting my loans in forbearance, rectified via the phone that this was an error due to glitches with loan transfer from XXXX XXXX. XX/XX/XXXX- Employee Certification submitted to XXXX XX/XX/XXXX-notification from XXXX that my loans are to be transferred to XXXX XX/XX/XXXX-employee certification submitted to XXXX XXXX XX/XX/XXXX-Employee certification re-submitted to XXXX XXXX XX/XX/XXXX-received notice from XXXX XXXX that only employment from XX/XX/XXXX-XX/XX/XXXX is recognized as certified employment for PSLF. Spoke with representative on the phone that this is an error and still reviewing. XX/XX/XXXX-received letter from XXXX XXXX stating that I have only made 50 qualifying payments total and that I have 70 more remaining putting me at a PSLF eligibility date of XX/XX/XXXX. XX/XX/XXXX-spoke with XXXX XXXX regarding letter and was informed this was a blanket letter that went out to all borrowers and that my Employee Certification was approved ( please note I did not receive any kind of electronic or written notification ) and that the final step is to manually county my remaining payments. She stated this could take 1 month to 1 year. XX/XX/XXXX-Contacted XXXX XXXX to follow up on status of manual recount of repayments. Was informed that my loans are still being recounted and that I should not contact as XXXX XXXX will notify me when the review is complete. XX/XX/XXXX- received another update from XXXX XXXX stating they reviewed my application and once again same results, 50 payments made, 70 remain. I contacted them because this was a more detailed letter that stated this year alone I only made six payments when I had the payment record right in front of me on their website. I was informed that if I had payment documentation to upload it to the website because they are very overwhelmed and could use the help. XX/XX/XXXX- all ten years of loan payment documentation as well as IRS statements were uploaded to my XXXX XXXX file. I contact XXXX XXXX on XX/XX/XXXX to ensure they received it and they verified they did and they would mark it as escalated. XX/XX/XXXX- received an electronic letter stating During a review of your loans, we removed an Administrative Forbearance that was previously applied to your loans because we received updated information that changed your eligibility. See below for updated details on your impacted loans. XX/XX/XXXX- received an email update informing me that my payment count review has been updated and that I am scheduled for PSLF XX/XX/XXXX XX/XX/XXXX- contacted XXXX XXXX who informed me that my initial payments in XX/XX/XXXX/XX/XX/XXXXwere not under the correct plan so they dont count. She also informed me that payments from XX/XX/XXXX until now have not been counted because I need to resubmit Employee Verification forms. **None of this information has been provided to me in the past and I have had regular if not weekly phone calls with DOE . XX/XX/XXXX- error found on employee dates and DOE corrected it and increased the qualified payments to 98 and a PSLF for XX/XX/XXXX. This is still an inaccurate count.
Company Response:
State: OH
Zip: 44113
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have tried to retrieve the promissory note for this loan that was signed for but I am unable to pull any information on it. I asked two representatives about this and they stated they have no information to provide me but that I needed to make a payment. I tried to notify the company prior to defaulting because I was in the hospital not working. I advised numerous representatives who only stated I can make a payment they cant help.
Company Response:
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I was attending classes through on line studies at XXXX University in XXXX, NC.I am not quite sure what happened as I was working full time and taking on line classes and I became quite ill and notified the school and they told me that I owed them XXXX. as I withdrew at the wrong time but my health condition affected my concentration and I though it best not to continue.I really didn't take that many classes at XXXX but somehow they were able to allow me to think that I was borrowing federal student loan money and I want to know how I am in debt for private loans and they recently lowered the amount to XXXX according to your last complaint closed status. I believe that lowered the full amount from XXXX to XXXX thanks to your investigation. However, I was not exactly satisfied with the conclusion of that complaint as they may have lowered the amount but they also want me to pay XXXX a month and after paying for rent, utilities and groceries, co-pays and premiums, I do not have that leftover to pay. The emotional turmoil that I went through when I found out the XXXX due in private student loans did not only affect me but I kept talking about it to my XXXX year old daughter who was also XXXX and we both paid rent and lived together for the last five years of her life. We were two XXXX people trying to do our best. However, my anger about this outrageous amount of money was something I couldn't stop talking about. My daughter passed away XX/XX/2018 and I have to live with the fact that I kept complaining about these private student loans. You will notice throughout all of my studies that I never took our private student loans until I went to XXXX. All of the loans were done on line.1) My complaint now is how did XXXX get that kind of money for someone taking 1 class every six weeks. Why I signed the forms on line not realizing it was private and not federal?2) Why XXXX allowed me to borrow that kind of money?3) XXXX says I still owe them XXXX because when I became XXXX, I withdrew from a class just a couple of days after they could collect funds from the government and they continue to put interest on this money. This is due the school and not part of the Private Loan Complaint I have already issued. 4) I can't realize how this all happened and how the Private Student loan collectors can expect me to pay XXXX a month and you just accepted their conclusion and closed the case. I am not sure why you accepted their conclusion of XXXX per month.5) My federal loans were put in permanent discharge.6) I put all of my XXXX forms through to the private student loan foundation and they still came back with that high monthly payment.Please help me figure all this out and please do not accept there answer of XXXX a month when my take home from Medicare Social Security is XXXX and my health is getting worse not better. I have three other conditions since I was first diagnosed. I pay XXXX in rent and this is how high the rents are as I am sharing with two other people at a different location.XXXX per month for food.XXXX per month for co-pays that include my prescription medications, XXXX XXXX and physician visits.XXXX towards credit car payments that I have to use as I run out of money on some months as my prescriptions, groceries run over and I have to use the cards. XXXX for water and electricI have to use XXXX as I too XXXX to use a car so it's approximately 150.00 in charges for getting to my doctor appts.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: We started this journey in XXXX, with the hopes of an education and a bright future. Now over 20 years later we are deeper and further in debt than when we left our school, and there is no end in sight. There has been precedence set in the mishandling of loans and deceptive practices from the schools these loans originated. In XX/XX/XXXX, Sallie Mae, the countrys largest student lender, agreed to pay {$2.00} XXXX to settle allegations of inappropriate anti-competitive relationships with colleges brought by New York State Attorney General XXXX XXXX. The claims mention such practices as revenue sharing and preferred lender list. The schools would get monies from SallieMae/Navient by having more and more students accept loans from them. The larger the loans and the more loans, the more money the school would receive. One of the colleges specifically mentioned in the case was XXXX University. This was also brought to the forefront in early XX/XX/XXXX, Attorney General XXXX ( Pennsylvania ) sued Navient for deceptive practices. Within the lawsuit XXXX University is one of the schools that is explicitly named. The claims states Navient continued to increase the amount of subprime loans offered, which increased the overall amount of loans they had. However, to get more legitimate loans, the company became a preferred lender at many schools. To become a preferred lender Sallie Mae agreed to pay schools for the amounts and number of loans they sent their way. XXXX XXXX was the associate director of Financial Aid for XXXX at the time, and he is on record in numerous documents stating how schools cant choose the federal servicer of student loans, but for private loans Sallie Mae is clearly the largest provider of private loans. This continued practice of being a preferred loan provider provided incentive for these schools to provide students with the opportunity and need to take out more and more loans. This practice encourages higher tuitions, and making getting degrees more and more difficult, so you may have to re-enroll or even take more loans to complete your degree. My husband and I both attended XXXX University prior to XXXX. My husband attended XXXX XXXX and I attended for my XXXX in XXXX XXXX. Both degrees were high in expense to earn, but even more important was the deceptive practices by the school and Sallie Mae to show you your entire degree could be paid for with loans, and even books and living expenses. Sallie Mae had the habit of loaning monies to students well beyond the cost of tuition and books. XXXX never gave you any other option for borrowing money, except for SallieMae. You had no choice, or at least were not made aware of other choices. To make matters worse the two degrees we tried to achieve were riddled with deceit and encouraged taking out more monies than needed for tuition. Lets start with the XXXX of XXXX XXXX. Even though I passed every class with As and was near the top of my class XXXX would not give me my degree, unless I quit my job, took out more loans to live from, and XXXX XXXX. XXXX XXXX is experience, and not something that should be part of an education requirement for the degree. To make someone quit their job, and take more loans, especially when they are rewarded for such by SallieMae, is a deceitful practice riddled with conflict of interests. This deceit and conflict of interest was even more brazen in the XXXX XXXX. My husband was accepted and during his first year of school it was told to the students the school required them to cut the bottom 10 % of students every year. This means 30-40 % of your class would never graduate with a degree even if you have more than good grades. For instance, the lowest grade to continue on every year is a 2.975, but it was not based on scores, but rather you were graded against the tests of the other students. In other words, it was up to the XXXX to determine who was better than others, instead of letting the grades and facts determine who continues. The worst part of it, was they said the bottom 10 % would be able to reapply and come back the following year for school. This practice seems to have been encouraged by the bonus money and rewards provided by SallieMae to encourage the XXXX XXXX to cut 10 % of the students so they would reapply and take out more loans. Again, this is a deceitful practice and conflict of interest, encouraged by the pursuit of monies given by Sallie Mae as incentive to make students, and find ways to get students to take more loans out from SallieMae. In XX/XX/XXXX, the CFPB filed a lawsuit against SallieMae/Navient. One of the main claims is obscuring information consumers needed to maintain their lower payments : Borrowers who successfully enroll in an income-driven repayment plan need to recertify their income and family size annually. But Navients emails and annual renewal notice sent to borrowers failed to adequately inform them of critical deadlines or the consequences if they failed to act. Navient also obscured its renewal notices in emails sent to borrowers that did not adequately alert them about the need to renew. Many borrowers did not renew their enrollment on time, and they lost their affordable monthly payments. This would have caused their monthly payments to jump by hundreds or even thousands of dollars. When that happens, accrued interest is added to the borrowers principal balance, and these borrowers may have lost other protections, including interest subsidies and progress toward loan forgiveness. The CFPB case, is just one perfect example of the many examples how our loan has been mishandled from the beginning. In the early part of our loan repayments we would request an income-based loan repayment program. The program would last for a couple to three years without any notices or indications it would go up. Then we would receive a new bill with the increased payment amount. We would call and SallieMae would be glad to lower our rates as long as we provided indication of income, which was always just a verbal amount ( more on this later ). The issue is it would count against us and would raise interest, payments and more because we did not call in right away. This would always happen when the income repayment period would end. That was just one mishandling. The second is the 20 year repayment then forgiveness plan. Not until a couple years ago when I called to find out how much longer we have until the remainder of the loans will be forgiven, they mentioned we never enrolled in the plan. This plan was never told we had to enroll to take advantage of it. They said we could enroll now, which means when we are 60+ years old we would be done paying. That means we would have paid interest for over 40 years on our loans, because no one advised of the requirements for the plan. Again, the way they hide and withhold information is not in the best interest of the accountholder, but rather what is in the best interest of big business. The third way SallieMae/Navient mishandle accounts is to let you repay whatever you want without explaining how it will affect your length or terms of repayment. They also dont advise you of how much will go to principal or interest. They also do not verify income when asking for an income repayment program. Our payments were going up again, and we called to have them stay the same at the very least. The lady asked how much we made, never verified with documentation, she said she could take us down even lower than our payments were previously. We got our first bill looked and determined our monies are going to interest except for pennies every third month, which goes to the principal. To this day Navient, just like SallieMae, does no advising and is not looking out for the accountholders. I am not asking for any restitution or something unfair. My husband and I have paid at least what we originally owed, or even over what we originally owed, and still have no idea how long or when the payments will end. The way Navient has us setup and making payments means we will pay until we die. I am asking the remainder of our loans be forgiven at this point, as if the 20 year period had taken affect. The deceit and mishandling by XXXX University. The Preferred lender program by SallieMae with XXXX University created an environment of double standards in which it was beneficial to prevent giving degrees and encouraging more and more loans be granted above and beyond the tuition amounts. The mishandling, and appropriation of the account, including through the repayment program provided this year is in no way beneficial to the accountholder, and the fact the 20 year forgiveness program had to be enrolled to take advantage was never explained is just one more way SallieMae/Navient wish to keep lenders in debt and never repay the loan, but rather continue to just pay interest. Precedent has been established in all the cases listed above, and are the same errors and deceptive practices used on my loans.
Company Response:
State: FL
Zip: 34655
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I was in school and or unemployed and they would still charge me interest on the loan amount even though I qualified for deferment. Further, this decision ruined my credit and they have not acknowledge the error and fixed it. My loan is with Navient
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have tried to look at different options for repaying my loan through Navient online. However, when I select " Repayments Options '' there is no opportunity for me to determine the best route I should take. There are only two links that tell me to contact them at XXXX. When I have called that number, I have been informed that I don't have any option to help change my repayment options because I have private loans through them. At first, my account was serviced through Sallie Mae, but then was transferred to Navient a few years ago. I don't understand how I don't have the opportunity to consolidate my loans or have an opportunity to lower my payments when I have had these loans since 2008. Thank you.
Company Response:
State: AR
Zip: 72211
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
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 a loan with DEPT OF ED/NAVIENT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and DEPT OF ED/NAVIENT with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have two student loans on my account with says im delinquent however the student loans were transferred which have ive been paying off and is in good standing. This is effecting me badly. Department if edu/naviet which was open XX/XX/2013
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-11
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Twice I have made arrangements with Navient to pay $XXXX XXXXo delay my payments and twice they have not taken the prearranged payment and placed it on my credit report. They state that for what ever reason it was not withdrawn from my bank but there were funds available each time in my account. When I seek alternatives to lower my payments or consolidate my loan they tell there is no options. I try to refinance the loans with another company but cannot because the loan is not current. I feel that the company purposely traps lenders into pay extremely high rates with them and prevents me from seeking other options that are more affordable for me to repay.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2019-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A