Date Received: 2024-01-03
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I just made a payment on XX/XX/2023. I was told that the {$300.00} payment would bring my loans current. Navient has been calling me nonstop before and even after I made the payment. I explained that I am not able to afford a monthly payment of {$600.00} or more. They are telling me that some of my loans qualify for a payment plan, but not all of the loans. They are not explaining why some qualify, but some dont. I answered the call today and explained to them that I currently have XXXX and XXXX and I only answered because they keep calling all day nonstop. I asked if I could call them back in a few days because I am currently XXXX. The man continued to keep me on the phone and told me that they will continue calling me and will keep calling the co-borrower. I said ok. He refused to hang up, so I ended the call. I explained that I will keep making payments that I can afford. I just cant pay what they want me to pay in XXXX month. They are not willing to work with me and they constantly harass me and has been harassing me non stop for years. Its depressing. Im constantly making payments and they constantly make threats of reporting my late payments and then asking well can you pay {$30.00}? If I can pay {$30.00}, why cant they lower my monthly payments? They are harassing me and I want it to stop.
Company Response:
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I had arranged recurring payments with Navient, set at {$78.00} biweekly to manage my payments better. However, there was an instance where they missed withdrawing a payment. They've also claimed not to have received a payment on XX/XX/XXXX, despite my confirmation that the payment was made. This has me concerned about other potential errors in their management. I'm worried about the impact on my credit score due to their failure to honor the agreed-upon terms between myself and the financial institution, constituting a breach of our legally binding agreement. In addition to not taking out the funds they also never followed through on the agreement to send me the required documentation as mentioned in the text. I have attached the text to this complaint. Today, on XX/XX/XXXX, I contacted them regarding the missed payment. Initially, they stated they weren't aware of the reason, then mentioned it bounced back from the bank. When I requested documentation to verify this claim, they couldn't provide it, which seems suspicious. I had sufficient funds in the bank at the time, leading me to believe they didn't process the payment and are now seeking both the delayed payment and a late fee.
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I was enrolled at XXXX from XXXX to XXXX. In that time I was told I had to sign up for XXXX loans both federal and private. I have an active and approved borrower defense case that is processing discharge and we are pending a refund. However, the private XXXX loans are not eligible for this option. Upon doing a little more research, my wife found where CFPB had sue XXXX for predatory lending in XXXX and was settled in XXXX. While attending XXXX, I was enrolled in a program that I was told did not have enough students and I had to switch my major a few times. I ended up leaving the school with only an XXXX XXXX. My private XXXX loans started with XXXX XXXX and then were moved over to Navient. The remaining balance to date is close to $ XXXX and the interest rate I am charged is over 13 % for those loans. I was taken advantage of as I thought I was going to a good school for computer networking. If I could change the past, I would defiantly not attend XXXX.
Company Response:
State: MO
Zip: 63376
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: on XXXX XXXX XXXX, I received an alert through XXXX XXXX that my credit scored dropped XXXX points. Then is when I started to pursue and see what was going on. I seen Navient hit my credit with a delinquency and a no payment for 90 days. I immediately called them, and they told me they were trying to reach out to me and send me mail stating i was on the verge to be penalized, but they had the wrong info. My phone number was wrong and also my address. its not fair that i never knew this. they have always had my info correct in the past. They had no way of communicating with me and advising me I was going to be penalized. Ive had this account open for several years and nothing like this has ever happened. I sent them a goodwill letter on XX/XX/XXXX and I will attach it with my claim explaining everything that had happen
Company Response:
State: CA
Zip: 95219
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX I filed XXXX XXXX bankruptcy ; my student loan was included in this. After careful assessment, the trustee determined that i would pay back all debt at 100 % over a period of 5 years. Nothing was charged off. I begin paying monthly installment for the next 5 years and received a completion of payment in XX/XX/XXXX. Shortly afterwards i received a letter from Navient stating i still owed a balance of unpaid interest on a principal balance of over {$4000.00}. I tried to speak with Navient to inform them this debt was paid in full to the Unite Student Aid fund. I requested them to contact them to reconcile the balance on their end. Navient insisted that we owed unpaid interest even though the principle was being paid in the amount of {$21000.00}. Now I am being asked to pay for principal and interest on an amount already paid. I paid the amount they submitted to the bankruptcy when we first entered into agreement. How can they ask for more money after we have paid the amount they agreed to. I am paying back interest which is also accruing interest.
Company Response:
State: SC
Zip: 29501
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XXXX, my student loans were automatically placed into forbearance due to the COVID-19 Pandemic and in compliance with the Executive Order signed by the President which suspended payments. Then when the payment suspension was extended in XXXX, Navient listed my account as being past due for XXXX days and didn't extend the payment suspension to my account. When I called, Navient suddenly claimed my Federal loans were not eligible for the payment extension and reported my account as being past due. I have asked them to remove the derogatory remark and Navient has refused. Thus, I am seeking assistance in getting the XXXX payment delinquency removed because my loans did, in fact, quality, under the XXXX order.
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have a late payment that is affecting my credit and keeps me from obtaining credit please address with navient thank you
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: This is my 2nd complaint on Naviant XXXX XXXX. I'm a co-signer for my daughters loan. The aggressive approach of non-stop calls all day, is causing me health issues. I have asked Naviant to stop calling me, and to focus on my Daughter who is the primary loan holder. This company has many, many similar complaints for phone harressment, but CFPB keeps closing each complaint, and Naviant continues there illegal loan collection tactics. I need to be released from this loan. I'm retired and on a fixed income. This loan is XXXX XXXX XXXX. When, CFPB, is someone going to do something about Naviant. Please help me CFPB.
Company Response:
State: SC
Zip: 29605
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have requested original loan documents I have never received
Company Response:
State: AK
Zip: 99502
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Pursuant to CFR Title 35, Subtitle B, Chpt VI, Part 682, states as follows : ( 5 ) For Federal Consolidation loans, the period that begins on the date the loan is disbursed and ends no later than 10, 12, 15, 20, 25, or 30 years from that date depending upon the sum of the amount of the Consolidation loan, and the unpaid balance on other student loans, exclusive of any period of deferment or forbearance. For the two outstanding loans attributed to me, the loans are Loan Type : XXXX XXXX : XXXX Current Owner : NAVIENT XXXX XXXX XXXX Guarantor : XXXX XXXX XXXX XXXX Disbursement Date : XX/XX/XXXX While I made payments throughout deferment and/or forbearance, I went into regular extended standard repayment on XX/XX/XXXX ( understanding repayment would end XXXX ). However, on XX/XX/XXXX, I received a " updated payment schedule '' with the following statement : " If you make all remaining payments on time according to this schedule, we estimate that your loans will be paid off in XXXX/XXXX. Your updated payment schedule : Number of Payments XXXX Payment Amount ( $ ) XXXX Due Date XX/XX/XXXX. '' ( See correspondence attached. ) Extending my loans through XXXX results in a total pay period of 36 years from disbursement, exclusive of any periods of deferment. Therefore, it is beyond the 30 years permitted by law. I objected to my loan being extended beyond the allowable terms, which resulted in no correction thereof. Instead, Navient ignored my legitimate concerns and fraudulently pushed me into an ISR plan I never applied for without consent ( see approval attached ). I reported the identity theft to the FTC ( attached. ) To date, I have never received documents substantiating the alleged XXXX ISR plan and copies of all correspondence despite multiple requests.
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A