Date Received: 2019-07-31
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I paid my student loan for 46 months at XXXX under the extended repayment plan, totaling over {$36000.00}, and I was never offered or suggested to enter into an income based plan. Even as important, when I did find out about an income based plan, I was never told that the 46 months of payments did not qualify towards the 20 years until my loan would be forgiven. This is absolutely misleading and disgusting. I have a XXXX degree in XXXX XXXX and am a XXXX of my high school class. If I cant properly find my way through the loan repayment process without losing {$36000.00}, then Im sure the majority of Americans are also being taken advantage of.
Company Response:
State: OH
Zip: 44484
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been repaying my private loan to Navient for over 10 years and have only paid off {$2000.00} in principal. {$210.00} x 120 months = {$25000.00} paid to Navient to pay off {$2000.00} of principal. How is this legal?
Company Response:
State: IN
Zip: 467XX
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I have been running consistently 1 month behind struggling to pay each month - Navient calls my phone 3 to 4 times a day leaving just a hangup - but leaves one message a day - I went over the help they can offer but they wont lower payment or interest or extend term - I have written them to cease and desist calling and just correspond by email
Company Response:
State: NY
Zip: 12010
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am enrolled in a IBR Student Loan Repayment plan for my student loans. Part of my loans are being serviced Navient. Navient continues to send me correspondence every month for years that I owe {$60.00} per month when I do not. Under my current IBR plan and income, I pay {$0.00}. My other loan servicer ( XXXX ) does not send me statements saying that I owe them money each month. Not only does Navient continue to send me statements, they never seem to " receive '' my IBR Loan Certification every year. I received an email today that I need to re-certify or my payment plan will change in XXXX. I re-certified through student loans.gov back in XXXX. I believe Navient is engaged in deceptive practices in which they are trying to solicit payment that is not due and also cause confusion to get borrowers to mess up their IBR repayment plans. This has happened in the past and they claim I have no submitted the proper documents. They are wrong because XXXX has received everything I've submitted through studentloans.gov If you do not choose the correct option when re-certifying, you can get kicked off the plan and then you owe money. I have not had issues like these with my other loan servicer. They also do not have an option to send an email so I can have record of my attempts to contact customer service.
Company Response:
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I've received threating phone calls and threating letters from XXXX XXXX XXXX, starting back so far in the year XX/XX/XXXX and continuing until year XX/XX/XXXX, stating that I owe Medicare for medical payments that were paid by my Auto Insurance company, from a hit and run auto accident I was hit from the rear while stopped at a red light. They were provided proof of payments from by my Auto Insurance company. I've received threating phone calls and threating letters XXXX XXXX a Debt Collection Agency, starting dates as far in year XX/XX/XXXX and continuing until year XX/XX/XXXX, also were provided proof of payment. I am now receiving a letter XX/XX/XXXX, dated : XX/XX/XXXX from a Debt Collection : Pioneer Credit Recovery , Inc. with the same threating letter stating as the others that they were contracted by the U.S. Department of the Treasury, Bureau of Fiscal Service to collect on a delinquent balance now the Debt Originating agency : Department of Health and Human using my Social Security Number which was my Old Medicare Number, threating to report to national credit bureaus, which could inhibit my ability to obtain future credit. Additionally, the Department of Treasury may be authorized to offset any eligible government payments I receive such as income tax refunds, federal retirement benefits, and/or other financial assistance if the debt is not paid. furthermore, pursuant to the policy of the above-listed Federal agency, should I continue to refuse to resolve this debt, my debt may be reviewed for possible referral by Fiscal service to the Department of Justice for legal action. I called Pioneer Debt Collector and disputed these accusation today XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XX/XX/XXXX my husband enrolled in Rate Reduction Program at Sallie Mae. On XX/XX/XXXX ( company sold loan to Navient ) enrolled in what we thought was a similar program with Navient. We understood the program to be Extended Payment Option extended out 15 years with permanent payment of XXXX. We renewed again in XX/XX/XXXX with another rep. in XX/XX/XXXX. In XX/XX/XXXX told by a rep that the payments were extended out 24.5 years to the year XX/XX/XXXX. This outraged me, because I never have been so duped. Found out recently that Navient promissory note reads that Monthly Variable Interest Rate Option repayment period is 20 years. We've been paying 17 years. We never agreed to 24.5 more years extended out. I would like to hear the phone conversations of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( year XX/XX/XXXX ) with the rep XXXX from Navient. I've been told there is no discharge of loans for the cosigner. My husband is XXXX XXXX and in XXXX XXXX with XXXX XXXX. I have ask the rep for what happens after my husband dies with the loans. He has paid well over the amount initially owed. He's paid $ XXXX on an original loan of XXXX. He still owes XXXX. He's been paying 17 years. Please advise. Thank you.
Company Response:
State: NJ
Zip: 08085
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: My initial student loan with ( Sallie Mae-Navient ) started on XX/XX/XXXX. Since that time Ive struggled financially to repay this loan. Navient steered me towards forbearance options early on from XXXX. So the initial amount of the two loans were {$27000.00} and XXXX. In XXXX I was told that there was no more forbearance left. I asked for affordable payments based on my income. I got enrolled in a repayment plan in XXXX. However, my student loan balance had doubled. Since that time I keep having to do Repayment plans that are only increasing more debt on the loan. The repayment plan is supposed to be from XX/XX/XXXX to XX/XX/XXXX. After 10 years of payments this is ridiculous. This loan should be forgiven. I owe a little over XXXX with interest accruing every day. I hope something good can be done to help struggling borrowers like myself with these debt wrenching loans. I feel like I was misled regarding these payment options.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Navient has not provided any written or signed documentation showing I was aware that the account was no longer in forbearance and that the past due amount would report only at 90 days of delinquency. This credit did not report any a delinquency until the account was 3 months behind and no longer in forbearance. This lender has updated the status but did not remove the negative marking from any of the credit reports and I have requested this to be removed 3 times.
Company Response:
State: VA
Zip: 23237
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The school was sued because they werent teaching the correct curriculum and didnt do what they were promised. So this debit was supposed to be canceled and I was suppose to be able to get my money back. I have e-mails messages stating that the debit is canceled, but is still reporting to my credit bureaus as a collection that is 15 years old. The credit bureaus state that collections are only suppose to stay on your bureaus for up to 10 years and then fall off. But these loans that were suppose to be settled are showing that they are 14 years and 11 months old and still showing on my bureau. Not only that they are reporting the same loan 6 times, making it look like I have 6 different student loans, instead of one. Please remove these from my credit report. Thank you
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My loan was consolidated with Navient/Sallie Mae on XX/XX/XXXX due to my previous loan servicer, XXXX XXXX dissolving. Once I was notified via mail to confirm the consolidation and my payments began, I contacted Navient/Sallie Mae to begin submitting my employment verification once the Public Service Loan Forgiveness Program became effective on XX/XX/XXXX. Many years after processing all of my payments and documentation of work history, they began telling me that I was ineligible for the program when I began applying for the Teacher Loan Forgiveness Program sometime in XXXX to have some relief on the amount I was paying every month toward my loans. They kept telling me that my application for the Teacher Loan Forgiveness Program was being denied, but never disclosed that my loans were dispersed as Family Federal Education Loans and needed to be consolidated with another servicer in order to be coded as Direct Loans to be eligible for both the Teacher Loan Forgiveness and Public Service Loan Forgiveness programs when they were well aware of this information. Navient/Sallie Mae serviced my loan from XX/XX/XXXX through XX/XX/XXXX and never once disclosed this information to me! I only became aware of this information after speaking with a XXXX XXXX XXXX Representative after re-consolidating my loans with them due to Navient 's egregious servicing practices including losing documentation necessary to process loan forgiveness applications, failing to process documentation and applications in a timely manner, and providing misinformation over the duration as servicer of my loans. To add, their dishonesty about submitting documentation correctly for the TLFP and about being aware of the type of loan I had was verified because shortly after I consolidated with XXXX XXXX XXXX, my application was submitted and approved. I have paid Navient tens of thousands of dollars toward my loans, thousands of dollars toward interest, and have been paying on loans for over two years ago that would have been forgiven had they acted ethically to disclose information to ensure my public service loan forgiveness application was accepted. I would like them to dissolve my loans because had it not been for their negligence, my loans would have been completely forgiven over two years ago. Additionally, I contacted Navient twice to receive a comprehensive payment history and they failed to provide documentation clearly listing each payment made so that I could calculate an accurate number of just how much I have paid them. I have included both documents they provided as responses to my requests.
Company Response:
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A