Date Received: 2019-08-05
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Needing help on getting help pay for my loans. Like someone was impersonating. I am looking for work now and needing place to live XXXX XXXX XXXX XXXX XXXX not my apartment. I am Struggling trying to go to another college soon. But needing help thinking wrong person lieing on me. Get foodstamps.Had bankruptcy before. They playing around email. My babydaddy XXXX XXXX have this apartment and he work at XXXX XXXX XXXX XXXX up street where we stay. He try to be funny his Sister XXXX XXXX get XXXX get checks trying to be somebody following makeing hard to succeed in College it hard get help. Get foodstamps now for kids and ripe with XXXX XXXX XXXX trying to hurt me. Thinking Sister yelling out on emails I get. Put in for Truck driving job because I am ripe with XXXX for my kids and XXXX XXXX got check out at hospital here in XXXX XXXX. They tried to move money on emails far. XXXX XXXX XXXX XXXX XXXX No XXXX No XXXX other races in me. Stop harrassment and bad treatment I get public financial assistance. Need income driven payment assistance. Get online billing Statement XXXX and XXXX.
Company Response:
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: My problem is with a debt servicing company called Navient. I took out three parent student loans for my daughter. I was told at the time of each of the loans was taken that the payments wouldn't begin until some point after she graduated and that I would be notified of the payback start dates. After she graduated I was waiting to hear. I expected to hear from some place such as Dept of Education, FAFSA, FSA etc. I never heard from any one until early XX/XX/XXXX when I received a phone call from a place called Navient saying they were servicing my debts to the Dept of Education. They informed me that the payback period had started at the beginning of XX/XX/XXXX and that I was 90 days past due. I explained that I was totally unaware of this and had never heard of Navient and had never been informed of the start date. They said they would reset the start date for XX/XX/XXXX. In the meantime I happened to look at my credit report in preparation of a new unrelated loan I was considering taking. At this point I discovered that Navient had reported me as being 90 days past due on each of their three loans. The people who do the credit reporting at Navient do not take phone calls you have too send a letter. I sent a letter asking how is it right for me to be held responsible for being 90 days past due when I had never heard from them or anyone else prior to the XX/XX/XXXX phone call. They replied without response to the question only saying that the report was accurate. I tried talking to the people who take general calls but they are not authorized to make any decisions or corrections in the reporting area. I filed a complaint with XXXX XXXX and they contacted Navient who again stated that the report was accurate. I appealed to Navient with a second letter once again asking about the lack of initial notification and received the same response as the first time. All they were doing was sending notifications to me on their website but since I was totally unaware of them I had never activated this place on their site until XX/XX/XXXX Obviously my credit was good enough for them to grant the loans in the first place. In XX/XX/XXXX my score was XXXX. In the spring of XXXX it was in the high 700, s as I was preparing for retirement. That was the last time I looked at my score until XX/XX/XXXX when it was just barely above 600. Anyone with access can see that besides this issue with Navient there has never been so much as a single late payment ever or any other derogatory issue. It should also be obvious to Navient that I never set up my account with them on their website until after I heard from them in XX/XX/XXXX. They didn't have any problem getting a hold of me in XX/XX/XXXX why didn't I hear from them last fall to let me know it was to start in XX/XX/XXXX. I don't understand why its so blatantly obvious a mistake was made, they could retract the negative reporting with a couple of clicks, but refuse to do it. If you want to see any of the documents, letters or anything else let me know I'll be glad to send them, I have a stack a half inch thick.
Company Response:
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-04
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: *********THERE IS A PACKET OF PROOF I HAVE COMPILED TO BE FOLLOWED WHEN READING THIS COMPLAINT BUT CAN NOT ADD HERE AS IT IS TOO LARGE I WOULD BE WILLING TO MAIL IT TO YOU AS I NEED HELP DESPERATELY BECAUSE NAVIENT IS RUINING MY LIFE AND I KNOW BY READING BLOGS I AM NOT ALONE! ********** Description of Complaint PLEASE HELP!!! NAVIENT HAS RUINED MY LIFE AND CONTINUES TO RUIN MY LIFE!!!! I am filing this complaint against my current student loan servicer, Navient Solutions, LLC and against my former student loan servicer, Sallie Mae Corporation. I am disputing the total current loan balance claimed by Navient and I believe that both Sallie Mae AND Navient have been negligent in properly handling my student loan accounts. II can prove that both Navient and Sallie Mae have acted in a fraudulent manner by losing my student loan accounts between lenders and/or offices, altered loan amounts, created multiple new accounts which I did not borrow and removed consolidations is was in, keeping me in a constant state of financial ruin, bankruptcy, and years of forbearance 's for their financial gain. Have you ever seen a XXXX XXXX with a XXXX XXXX XXXX in XXXX owe NOW {$390000.00} in student loan debt? I have spent many months and countless hours of researching my financial records, FSA database, studentaid.ed.gov database, personal bankruptcy records ( including each bankruptcys Consumer Liability Reports from my previous bankruptcy filings provided to me at time of each filing by my bankruptcy attorney ), and prior years emails to various financial entities directly involved with my student loan accounts. I have compiled a very detailed packet for you to follow that will illustrate my complaint and verify amounts I borrowed, the balances I carried, and the point at which Sallie Mae and Navient completely destroyed me financially by listing inaccurate and crushing amounts of student loan debt, kept my loans in a state of forbearance, consolidations disappeared, and forced down my credit scores by inaccurate credit reporting. I say this so that you will understand the impact this has had on myself and my family, as I was forced into high interest rates for lending such as high interest rates for auto loans and credit cards, and basically any borrowing I attempted. Being a single parent of XXXX on one income and have owed to me over 100k in XXXX XXXX ( verifiable through Illinois Division of XXXX XXXX Enforcement ) it was very important that I always tried to obtain the best interest rates for borrowing possible, but this never happened because of the inaccuracies being reported by Sallie Mae and Navient, even resulting in denial for home mortgage. I have been unable to buy a home of my own for my girls. It wasnt until the last bankruptcy filing that I began to figure out what was being down to me and my attorney urged me to dispute the amount of student loan debt. Please refer to Packet A which I obtained from the Federal Student Aid website, and have provided a copy of each loan I borrowed throughout my entire XXXX education, obtained from the following website : https : //XXXX.XXXX.XXXX/XXXX/XXXX-XXXX-XXXX/XXXX-detail Loan # 1 was a {$4000.00} Perkins Loan to XXXX University which I established on XXXX for my XXXX studies. This loan was cancelled, and I attached a copy of the cancellation to its copy. Loans # 2 through 21 were also taken during my XXXX studies, loan # 2 occurring on XX/XX/XXXX loan # 21 being the last and occurring on XX/XX/XXXX to XXXX University. At this point, I had borrowed a total of approximately {$45000.00} in federal loans plus approx. 10k in private loans. I consolidated all the above referenced loans and the consolidation was established on XX/XX/XXXX. You will see Loan # 22 which I provide a copy of this consolidation : FFEL Consolidated Established on XX/XX/XXXX Total Borrowed : {$66000.00} Servicer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX To further confirm this balance, please refer to Packet B which are copies of my personal bankruptcy records. Please see Bankruptcy # 1 Chapter XXXX Case # XXXX and refer to Page # 2 which is the Schedule F for this bankruptcy. On page 2, you will see two ( 2 ) private school loans listed with XXXX University in the amounts of {$1000.00} and {$8500.00}. Please note : the private loans with XXXX University were NOT yet part of the consolidation total listed above and is added later which I will demonstrate. Please now refer to Page # 3 of this Schedule F which lists my loan consolidation : National Education Servicing with Amount of Claim : {$65000.00} My loans were then sold/transferred to the following loan servicer : Direct Loan Servicing Center XXXX XXXX XXXX XXXX, TX XXXX Please refer back to Packet A and see Loan # 23 and Loan # 24 Direct Loan Servicing Center split my consolidation as follows : Loan # 23 : Direct Consolidated Subsidized established on XX/XX/XXXX Total Borrowed : {$28000.00} Loan # 24 : Direct Consolidated Unsubsidized established on XX/XX/XXXX Total Borrowed : {$41.00}, 152 These 2 consolidations together total : {$69000.00} Total student loan debt up to this point ( XX/XX/XXXX ). I re-entered school in XXXX to pursue a XXXX degree which I completed in XXXX. During this time, I applied for and told I was granted an in-school deferment. Please refer to Packet A for loans I did borrow for continuing my education these include loans # 25-32 which total {$80000.00}. Recap of Student Loan Debt Accumulated Thus Far : Student Loan Debt to XX/XX/XXXX : {$69000.00} ( see above ) PLUS New Student Loan Debt accumulated from XXXX : {$80000.00} Total Student Loan Debt to XXXX : ~XXXX+accumulated interest **Please note during the year of XXXX, part of my student loan debt was sold/transferred to XXXX XXXX The next piece of evidence to prove my student loan debt up to XXXX, please refer to Packet B and refer to Bankruptcy # 2 filed XX/XX/XXXX, Case # XXXX. Go to page # 6 entitled Statistical Summary of Certain Liabilities and Related Data ( which is a credit report attorneys can pull ) and see that my attorney listed Student Loan Obligations : {$160000.00}. It is here that you will see my student loan accounts are with TWO different servicers : Please see page # 8, Schedule F and you will see listed : XXXX XXXX XXXX Department of Education XXXX. XXXX XXXX XXXX, TX XXXX Total Claim : {$97000.00} Please see page # 10, Schedule F and you will see listed : Sallie Mae XXXX. XXXX XXXX XXXX, PA XXXX Amount of Claim : {$57000.00} Please also see page # 9, Schedule F for my private loan with XXXX University ( still separate from running totals above ) : XXXX University XXXX. XXXX XXXX XXXX XXXX, NC XXXX Amount of Claim : {$13000.00} To further confirm my debt to this point, refer to Packet B and find enclosed Consumer Liability Report dated XX/XX/XXXX ( report # XXXX provided to me for this same bankruptcy ( case # XXXX ) - see Page # 2 to view the following student loans included on the report which total {$160000.00} : U.S. Department of Education : Sallie Mae : {$68000.00} {$13000.00} {$18000.00} {$13000.00} XXXX {$8500.00} And see Page # 3 : Sallie Mae {$8500.00} {$8900.00} {$5600.00} Total student Loan debt verifiable by above reports to date XX/XX/XXXX : XXXX {$160000.00} and we now begin to see the breakdown/deterioration of my original consolidations. At this point, I was in above noted bankruptcy which was a chapter XXXX which I made my student loan servicers aware of as I was still unable to make student loan payments at this time. I was placed into a bankruptcy forbearance which I now know accumulates insane amounts of interest. I was not offered an Economic Hardship Deferment Request now was I offered the chance to apply for forgiveness due to my extreme financial hardships even after making several attempts at phone calls explaining my situation. Near the end of XXXX of XXXX, I wanted to pursue a XXXX XXXX program in hopes of boosting my earning potential, however, XXXX University would not release my transcripts due to the outstanding private loan mentioned earlier. XXXX referred me to the collection agency that was handling this loan : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Ph # XXXX Please refer to Packet C and see Email # 1 to XXXX representative XXXX XXXX. This email communication took place between XX/XX/XXXX through XX/XX/XXXX. Mr. XXXX was assisting me in gathering all of my student loans together as he was working on consolidating all of my loans to include the XXXX University private loan, so that the end result would allow XXXX to release my academic transcripts so that I could apply for the XXXX XXXX program. Please see pages XX/XX/XXXX - XX/XX/XXXX of this email dated XX/XX/XXXX in which I informed Mr. XXXX I called Sallie Mae for my loan information and was told they could not locate some of the student loans and I was waiting for a callback. I found that my Sallie Mae account was with an entity called : XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX in the amount of {$63000.00}. I informed him in this email to add XXXX XXXX and I really am unsure if it was added or not at this point as we also had phone conversations not detailed in this email. According to this email as well, my loans were also serviced by XXXX XXXX XXXX as well as Sallie MaeXXXX XXXX If you see page 3/10 of this email, I requested the following loans be placed into that consolidation and here is a copy and paste directly from that email ( you have the hard copy as well ) From : XXXX XXXX [ XXXX : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX Subject : Re : XXXX Hi XXXX, Here are the student loans I wish to include : 1 ) XXXX XXXX XXXX XXXX Department of Education XXXX. XXXX XXXX XXXX, NY XXXX Phone # XXXX Balance : {$89000.00} 2 ) XXXX XXXX ( Will be back with Sallie Mae very soon ) XXXX XXXX XXXX XXXX, PA XXXX Phone # XXXX Balance : {$63000.00} Account # XXXX XXXX ) XXXX University XXXX XXXX XXXX XXXX, IL XXXX Phone # XXXX Balance : {$21000.00} Yes, I would love to get started again on the paperwork asap. Just let me know what to do from here! Thanks for all of your help! XXXX XXXX XXXX I am unsure now looking back exactly what was added in that consolidation and things became extremely confusing for me at this point as to where my loans were being serviced with so many different amounts and servicers were being reported. I became overwhelmed. In Packet C, please see Email # 2 dated XX/XX/XXXX XX/XX/XXXX from Mr. XXXX informing me the consolidation entered the statement phase on XX/XX/XXXX and that it would fund by the end of the month. During this time, Sallie Mae is now reporting to the credit bureaus multiple amounts and accounts, further dragging down my credit scoring. It was clear above that my loans were all over the place and amounts seemed to be just thrown out there. What happened to my original consolidation at this point? Why am I forced into forbearance after forbearance? **And please keep in mind that at the time of this email, I had not borrowed any additional student loans and the last verifiable amount noted above was XX/XX/XXXX : XXXX {$160000.00}. XX/XX/XXXX : I DID re-enter school for the XXXX XXXXr program at University XXXX XXXX XXXX, requested in-school deferment. Please refer back to Packet A, see loan # s 41-43 I borrowed 3 loans totaling : {$11000.00}. I had to stop school due to a family situation and ended XX/XX/XXXX. My student loan debt was ~ {$180000.00} at that point. Now I am led into yet another bankruptcy. Please refer to Packet B and see Bankruptcy # 3 Chapter XXXX Case # XXXX which was discharged XX/XX/XXXX. Please see Page # 3 Schedule F which lists the following : Sallie Mae Inc for XXXX XXXX Attn : Bankruptcy Litigation Unit XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Amount of Claim : {$35000.00} XXXX University XXXX. XXXX XXXX XXXX XXXX, NC XXXX Amount of Claim : {$13000.00} And please see Page # 4 Schedule F which lists : U.S. Department of Education Direct Loan Svg XXXX. XXXX XXXX XXXX, TX XXXX Amount Claimed : {$97000.00} Here is something interesting : Please see Packet B and find the Consumer Liability Report ( report # XXXX ) dated XX/XX/XXXX provided to me Bankruptcy # 3 above. We have the following accounts listed as active, open student loan accounts for this report : Page 2 : Dept of Ed/Sallie Mae Amount : {$65000.00} Page 4 : U.S. Dept Ed Amount : {$41000.00} Amount : {$27000.00} Amount : {$21000.00} Page 5 : U.S. Dept of Ed Amount : {$10000.00} Page 6 : U.S. Department of Education Amount : {$8500.00} Page 7 : U.S. Department of Education Amount : {$69000.00} These total : {$240000.00}!!!! How in the world did I go from owing ~180K to {$240000.00}??? And where are all these amounts coming from? What happened to my consolidation??? In-school deferment?? What is going on?? Please notice that in this explanation, Packet A loan numbers 33-40 have not yet been mentioned. This is where these come in. Please see Packet A, loan # s 33-40. These are all loans created by Navient ( named themselves " school '' and PAID TO Navient during the time frame of XX/XX/XXXX XX/XX/XXXX! These loans TOTAL : {$250000.00}! I have the printouts to prove it right off the web XXXX XXXX XXXX I am unsure why these loans were created, what happened to my consolidations, or where these amounts came from. All I know is that these amounts are being reported to the credit bureaus and my credit took yet another major hit because of this, leading me into the next bankruptcy. Please see Packet B and refer to Bankruptcy # 4 XXXX XXXX Case # : XXXX filed on XX/XX/XXXX. Please see the Consumer Liability Report included ( report # XXXX ) dated XX/XX/XXXX and see Page 2 of 13 which lists the following student loan debt : Dpt EdXXXXSlm Current Balance : {$210000.00} Dpt Ed/Slm Current Balance : {$74000.00} Dpt Ed/Slm Current Balance : {$8900.00} Dpt/Slm Current Balance : {$2100.00} See Page 3 of 13 : Dpt/Slm Current Balance : {$1500.00} **If you page through the remaining pages 4-13 of that report, you will see multiple accounts listed by Sallie Mae with varying amounts, none of which make any sense. Please see Packet C and see Email # XXXX dated XX/XX/XXXX from myself to the student loan support center entitled : loan balance inquiry and this was assigned a Case : XXXX. I contacted them seeking assistance to clarify this balance and I was directed to speak with Navient. I spoke with Navient that same month and was told that my balances were correct. Please see Packet C and find Email # 4 this is an example of an email dated XX/XX/XXXX to a mortgage company in which I was trying to get a pre-approval to purchase a home. I had been working diligently at improving my credit which was barely passable for a pre-approval. Turns out I was eventually turned down because of the high student loan balances that Navient is reporting and this email will serve as an example of how my life has gone ever since Sallie Mae and Navient entered my life. If you refer to Packet D, these are printouts of my account information directly from Navients website. Please see the amount of interest that bears down on me every month. For example, you will see in this packet that I printed out my total current balance on XX/XX/XXXX which was : {$360000.00}. I printed out my balance as of today, XX/XX/XXXX and is now : {$370000.00}. That is about {$4000.00} in just 2 months time. My financial life has been ruined by Sallie Mae and Navient and I am regretful I didnt catch onto this sooner. But once I did, I have spent many months gathering all of this and trying to figure this out. I present my case to you and seek help and direction. Please contact me at your soonest convenience, and I have a detailed packet to follow this which i can mail. I need help with this. Sallie Mae and Navient have been negligent and deceitful and this has to be illegal. I appreciate any and all assistance you can provide. Thank you in advance. Sincerely, XXXX
Company Response:
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2019-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There are multiple accounts being reported on my credit reports including different balances, and dates under the same account number.
Company Response:
State: NC
Zip: 27545
Submitted Via: Web
Date Sent: 2019-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have received these fraudulent Credit collections on my XXXX Credit Bureau Report from XXXX XXXX/NAVIENT/XXXX XXXX. I have sent a letter to the company and XXXX dispute stating that I want them removed. I have never taken out a Student Loan and I want these collections removed!
Company Response:
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2019-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-03
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: A complaint was filed about 6 months ago with this company ( NAVIENT ) because I was paying on their coupons and then every month I paid, I was getting late notices. I then asked for new coupon payments so that ALL fees would be included. I also asked that any credit report items be fixed because of their inactivity. Navient never responds to letters ( I have sent six this past year, three were certified, no response to any ). I do not use their online portal due to issues in the past. I want all responses via regular mail. After my last complaint, I got a listing of payments made and am still checking them, but there was no explanation on why I would pay and then get late notices. I was paying on time and then getting extra charges. I am sending a certified letter today XX/XX/2019, asking for a 2-3 month deferrment and a NEW payment booklet with all charges by month so that if I pay on time, I should not get calls and letters saying I still OWE money. I don't make up the payment booklets, they do. They were suppose to send a new one after my last complaint, but only sent a list of payments. I really need a definite payment, by month and no hidden or extra charges. I can not respond to emails send that will not allow responses or texts that do not allow responses. They are the MOST frustrating company to deal with.
Company Response:
State: TX
Zip: 76016
Submitted Via: Web
Date Sent: 2019-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am on an income-based repayment program through Navient with an annual payment of approximately {$560.00} per month. I have five loans at varying rates ( 2 at 6.5 %, 1 at 7.5 % and 2 at 2.25 % ). First, Navient has set up payment on these loans in a manner that I am paying the principal on the two loans with the lowest rates while the remaining loans are being paid at just below the monthly interest that accrues. Not only is this extending my loans payment period overall, but Navient is taking advantage of this scheme to charge additional interest. Second, on occasion, payments are not submitted to each loan as my payment plan details. Instead, it is applied to one loan while the others do not even receive the money necessary to cover the interest accrued over that same period. This additional interested is then added to my balance as capitalized interest on my entire loan.
Company Response:
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2019-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This was a small loan I took out in XXXX for {$14000.00}. That's is the only amount I ever owed. Once I graduated in XXXX, i started paying it back after a year. This loan was paid off over 10yrs ago. I keep getting calls from Navient saying I owe some {$22000.00} now. I've explained time and again they must be confusing me with someone else. One rep said I went to XXXX XXXX which was untrue. I've only attended colleges in the Missouri area. I feel my identity has been confused with someone else and i feel harassed by phone calls constantly. I should not be getting calls today from something small that began in the mid XXXX. Please help
Company Response:
State: MO
Zip: 63367
Submitted Via: Web
Date Sent: 2019-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: On multiple occasions I have requested a lower payment amount or a pause on payments due to financial difficulties ( many doctors bills for my son, living off a XXXX 's salary, pay calendar changing, etc ). Navient is not willing to work with me and they only suggest or use me towards options that make me spend more money outside of my already insanely high interest rate and principal balance.
Company Response:
State: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I borrowed {$16000.00} and graduated from XXXX XXXX in 1991 and defaulted on loan cause school was a big lie about getting a good job. Theyve been garnishing my wages for 20+ years and have taken over {$70000.00} and yet I still owe about {$8800.00}. Loan was originally managed by XXXX XXXX XXXX and sold to navient. How much long will this private continue to take advantage of me. Any help and / or guidance on this matter would be greatly appreciated because Im XXXX XXXX XXXX and Im tired of struggling week to week with paying my bills. Sincerely XXXX XXXX.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A