Date Received: 2019-08-08
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have two federal loans with XXXX college for graduating as a XXXX XXXX.. which I am very Proud and Thankful.. But the loans together equals XXXX...I paid at least 5 times...($XXXX).... After checking my credit report a little often...it shows up NO payment...Or Late payment...NOW I CANT SEEM TO MAKE ANT PAYMENTS BECAUSE IM ABOUT TO GET EVICTED FROM MY HOME OF 5 YEARS WITH A XXXXYR OLD SON...I AM TRULY LOSING EVERYTHING... PLEASE HELP US
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: They are harassing me at work. I've told them not to call my work and they called twice already. I live in California
Company Response:
State: CA
Zip: 92311
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XX/XX/XXXXof 2018 I mailed certified letters to both Navient and the 3 major credit bureaus requesting the original loan documents that show my signature. They have never mailed any proof. I have also requested proof over the phone and I was advised that my monthly loan payment is {$0.00} per month. I was never sent anything thing in writing and the loan balance hasnt changed and is only increasing. I requested that the loan be removed!
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Navient keeps calling at XXXX and Ive told thrm not to do this in the past. They call about every two hours in the middle of my work and at home.
Company Response:
State: OR
Zip: 97203
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I had been enrolled in an interest rate reduction program and had at least a year of eligibility left when all of a sudden I was informed that I was no longer eligible and that my payment was going up about $ 220/month. When I called on XX/XX/19 to discuss why I was no longer eligible since my financial situation hadnt changed, I was informed that my co-signer ( my mother ) was credible and could help me pay. Now she had been my co-signer this whole time and it had been determined that since she is retired now and on a limited fixed income, that she could not help me. She is already providing child care for me to help me save some money. I dont know why she was all of a sudden considered able to help me. I had also attempted to refinance and no company would approve it since my co-signer is retired and on a fixed income.
Company Response:
State: NH
Zip: 03062
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX Navient enrolled me into a repayment program and i was making my scheduled payment however, nothing was credited to my account. Then they took my XXXX and XXXX tax refund for a total of what they stated I owed which was {$13000.00}. Now I'm having my wages garnished because they are saying i still owe {$12000.00}. I have spoken to the collection agency and sent them all my paperwork showing that i have paid. In order to stop the wage garnishment I have to pay 5 payments of {$87.00} on top of the 12 % they are taking out of my check which is over {$600.00} a month. Navient isn't helping me nor is Pioneer credit recovery. Neither company is showing any of the payments from the IRS, past payments or my wage garnishment payments. This isn't right, I can't support my family and I'm on the verge of loosing my apartment and car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90813
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have student loans with Dept of Ed/Navient. I was marked late on XX/XX/2017 as 90 days delinquent, but I was not late. I disputed through Navient 's website back in 2017 after I originally saw the reporting also called in, they stated it would be removed from all loans. It is appearing on all three of my credit reports that I pulled from XXXX/XXXX/and XXXX. I should of been in a deferment/forbearance status at this time and reported as No Data/Information for this month, it was not processed in time, the late reportings need to be removed from my credit report with all 4 credit agencies ( including XXXX ). The account numbers are as follows :
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have a loan balance of $ XXXX with Navient. Every time I have called, I get the wrong information regarding my payment plan, Im told they didnt receive my paper work to lower my payment, and this has caused me not to pay. I am not going to pay until my payment is correct. Ive called them several times about my payment plan and Im getting the run around about the plan from different reps.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I agreed to {$190.00} per month and now it has increased to {$290.00} through Navient because of an error on their part.
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: While in school deferment I made a {$400.00} payment towards my unsubsidized loan on the following dates : XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, even though I did not have a payment due. Each month the majority of the payment went towards my subsidized portion of the loan and I had to call in and request for reallocation of the payment. Even after my XXXX payment was fixed towards the unsubsidized portion, in XXXX I noticed it was reallocated back to both subsidized and unsubsidized. So I had to call again and get the payment fixed. In XXXX I was notified my loans were going back into Autopay and would start back up in XXXX. I requested for the Autopay to take XXXX, and the amount above my required payment ( which was under {$300.00} ) be allocated to my unsubsidized portion. Which I was told I could do. Just before my XXXX payment I got a call from a supervisor letting me know the {$400.00} would be auto deducted from my account and a majority of it was towards unsubsidized as I requested. It did not happen so I made a payment of {$400.00} towards unsubsidized and later had to call back and have the payment reallocated to unsubsidized portion since it was split between both unsubsidized and subsidized. I was told my autopay would start in XXXX with an amount of {$400.00}. I received multiple documents in the mail all stating various dates auto pay would start and various amounts. I actually receive 2 letters in the mail on the same day, both again reporting different information. I called to get clarification and again I was told it would start in XXXX and they were not sure why I was given different information but did see where other employees provided that information within my records. This month ( XX/XX/XXXX ) I logged in and was going to call and make a payment, but I noticed auto pay took {$320.00} out of my account. Again I am getting different information and have been told my auto pay will not start until XXXX, but can not get an answer on why XXXX was taken from my account, nor did any of my multiple documents I received in the mail even mention that amount. When trying to get clarrification on the allocation of the XXXX auto pay that will start in XXXX, that information was not available and I would have to wait until after the XXXX payment cleared. I also received clarification on my account over the phone reporting my terms and conditions have changed and my required payment every month would be XXXX and in order to have an over payment the amount would need to be over 400.00. This is not what I requested, and I have requested for the terms to go back to the original payment plan. I find this unacceptable to receive different information every time I call. It is unacceptable that there website reports any overpayment will go to unsubsidized portion first which has not happened even though I requested for it. It is hard for me to see online, but I have no idea what they are do with my payments in regards to unpaid interest. Which there really shouldnt be any since I was in school deferrement and I continued to make payments almost every month that were above and beyond what my payment would have been if I was not in inschool deferrement. No one should have to deal with this and it has been going on for way too long.
Company Response:
State: IN
Zip: 46220
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A