Date Received: 2019-07-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: To Whom It May Concern, I am writing in regards to filing a complaint against the Loan Servicer, Navient ( formerly, Sallie Mae ) for with-holding information regarding the all necessary payment options ( PSLF ) allotted to me from XX/XX/XXXX year XX/XX/XXXX. Please note that all evidence is identified with a letter and will be prompted to view within parentheses following the necessary statements. All of my XXXX loans are through Navient/Sallie Mae. My timeline of payments is as follows : ( not all records of payments have been made available for evidence ) XX/XX/XXXX -- -- -- -Payments Made ( A ) XX/XX/XXXX -- -- -- -Payments Made ( B ) XX/XX/XXXX-- -- -- -No Payments Made XX/XX/XXXX-- -- -- -No Payments Made XX/XX/XXXX -- -- -- -Payment Made ( C ) XX/XX/XXXX -- -- -- -No Payments Made XX/XX/XXXX-- -- -- - Payments Made ( E ) XX/XX/XXXX -- -- -- -Payments Made ( D ) ( F ) XX/XX/XXXX -- -- -- -Payments Made ( G ) XX/XX/XXXX-- -- -- -Payments Made ( H ) XX/XX/XXXX -- -- -- - Payments Made ( I ) XX/XX/XXXX -- -- -- -Payments Made ( J ) XX/XX/XXXX -- -- -- -Payments Made ( K ) On XX/XX/XXXX, I made a phone call to Navient/Sallie Mae asking for help regarding my payments ( N ) . As noted in the evidence provided, it was only after I had exhausted all of their given payment options that they offered the PSLF Program by providing me with the government website to explore the program. During this phone call, Navient/Sallie Mae informed me that I had 290 days from my last payment due date before my account would become delinquent ; unto which I was already four days into my delinquent countdown. Further evidence demonstrates that Navient/Sallie Mae with-held viable payment options as the document states that I have, already reached the maximum amount of time allowed for forbearance ( *O ). In addition, this document clearly shows that Navient was not willing to help as they told me to continue to make your payments as scheduled ( *O ), then led me in circles by only providing me options that I had already exhausted or were already participating in ( P ). Unfortunately, as the above timeline proves, if Navient/Sallie Mae had provided me with the option to utilize a federal government program ( PSLF ) designed to help public service providers, such as myself ; I may have already had my XXXX loans forgiven. Instead, as the above evidence states, I am in the first years of the program
Company Response:
State: IL
Zip: 626XX
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: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I co-signed a college loan for my son 's first two semesters at XXXX XXXX University at XXXX in the summer of 2006 when he was XXXX. Apparently, the law then required that we transfer that loan to a private bank. We chose XXXX out of XXXX, Pa. After that, his FAFSA loans were not re-financed by private banks but were kept as government loans. So ... .when he died of a XXXX XXXX in the spring of his junior year in college at XXXX XXXX in West Virginia , his sophomore and junior year loans financed by the government were forgiven. However, this loan that I was forced to transfer to XXXX, was not forgiven and was transferred to Navient. I am XXXX, a former XXXX XXXX, and have dutifully been paying on this loan now for 11 years. I have written to Navient and sent death certificate to Navient but have heard nothing. I have called twice and been told that, unless I die, this loan can not be forgiven. This feels extremely unfair to me. I continue to owe XXXX dollars for my dead son 's education even though I have continued to pay for all these years. Is there a lawsuit I can join or something else I can do?
Company Response:
State: WV
Zip: 261XX
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: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: I have requested many times not only verbally but in writing not to contact me at work and Navient continues to do so. Now not only are they calling random numbers here at the XXXX XXXX where I work they are telling people they are a debt collector and they need to speak with me. Now they are contacting family members that I never put down as a reference who have nothing to do with my finances. And this week I am getting messages from people that I am XXXX friends with that only know me on social media and they are saying that they received messages from Navient trying to contact me. Enough is Enough! Isn't this illegal? How do they have the power to go into someone's family and social media and contact people to make me look bad. Please stop this!
Company Response:
State: FL
Zip: 338XX
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: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Navient has no payment options that are according to my income or realistic. I only make around $ XXXX a year and already have federal student loan debt and needs to survive and cant afford the payments that are nearly double the cost of my rent. I told Navient this and they said that Id have to pay for temporary forbearance that wouldnt go towards my balance and after forbearance my payment and balance would be even higher. I just cant afford the payments. Realistically payments of over {$1300.00} is just not possible at all.
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient charged me a {$12.00} late fee on a federal consolidation loan. When I log in to my account summary it indicates that I owe {$190.00} on a private loan, {$0.00} on a fed consolidation loan that is on IBR, and {$12.00} on a second fed consolidation loan that is also on IBR. Each month it claims that I owe XXXX plus XXXX. Multiple times I have tried to pay the XXXX believing that it was the amount of my IBR on that loan. However, I noticed that every time I made a payment the amount continued to be the same. I looked deeper into the loan and discovered that the XXXX is a late payment fee and each time I made a payment of the XXXX as is indicated that I owed on the monthly due date, the payment would not go toward payment of the late fee and instead be applied to interest only, leaving the fee un paid. The next month the fee would continue to appear and be due on a particular date, and if I tried to pay it they would not apply it toward the fee. So I called, the agent stated that payments towards fees can not be applied until all interest is paid off and the fee is applied " on the back end of the loan '', and that I do not need to pay it and it would not be reported to the credit agencies. I stated that if I was not actually able to pay the XXXX until all interest is paid then the " payment due on the XXXX '' demand should be removed, since you are demanding I make that payment of the late fee on that date and when I do as requested the payment is not attributed. And if I do not have to pay the fee ( because technically I can't ) I demand that you stop misleading me by making it " due '' each month. The agent said they can not do that. So each month, they demand I make a payment of XXXX on the XXXX, when in reality I am only required to pay XXXX. This is misleading way to collect a debt and goes against my rights. This debt collector ( Navient ) is first misrepresenting the amount I owe on the monthly payment from {$0.00} to {$12.00}, second they can not control which debts my payments apply to. They attempt to have me pay the late fee and when I do so they use it to pay a different debt ( the late fee ). Even when I have called to attempt to pay the late fee they would not allow me to do so until " all interest is paid '', forcing me into an outstanding " debt '' of a late fee that continues to roll over each month on top of my $ XXXX monthly payment.
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Continually in the dark about repayments, information on where I'm at in my payment plan. When under Sallie Mae had no issues, with Navient it seems like no payments were made whatsoever, their systems are always down for maintenance and they keep you COMPLETELY in the dark about your progress/status. The only thing they appear to be competent in is posting a dollar amount that you owe.
Company Response:
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
Issue: Getting a loan
Subissue: Confusing or misleading advertising
Consumer Complaint: A recruiter from XXXX XXXX, XXXX XXXX, NY was recruiting at my high school. I was scheduled to graduate high school in XX/XX/XXXX. I was a ward of the NY state court. Unfortunately, I had no parents or family members. However, I knew after graduation I wanted to go to college. However, did not know how I was going to pay for it? XXXX XXXX offered financial aid and stated because I was a ward of the state. Tuition cost would be fully covered my first year through federal grants and financial aid. There was no need for me to worry. I agreed at that time and signed up to go to XXXX in advance. I had already moved into the dorm in XX/XX/XXXX and was a student. Approximately a month into classes, I was told I could not attend classes. In order to continue my classes. Financial Aid had not posted. I would need to take out a loan for total {$6600.00} and had me fill out the paperwork to reflect {$6600.00} with Sallie Mae. While I awaited financial aid. Actual loan after financial aid finally posted loan amount was {$2600.00}. XXXX Financial Aid Dept. explained my financial aid still did not cover my full tuition and awarded amount wasn't enough. Having no where to go and no family. I agreed to the loan amount {$2600.00} instead because I had no choice. When I inquired about how much financial aid actually awarded, I was never answered. I inquired in person, writing, etc. XXXX never provided awarded amount I was awarded. However, when I called Federal Student Aid and inquired. Rep explained you are a ward of the court, should not have had to take out any loans your first year and you qualified for full amount that would be awarded to anyone with your circumstances. XXXX College never provided that amount and would not. On XX/XX/XXXX. Sallie Mae Servicing Lender who was the initial lender of this loan notified me of refund in the amount of {$1000.00} was received from XXXX College and was not sent to me but posted to my Sallie Mae Account on XX/XX/XXXX from {$2600.00}. However, Sallie Mae NEVER applied nor " posted '' this amount to the total owed for that loan balance to reflect the difference in lesser balance owed to them. The initial balance owed back to Sallie Mae for loan taken out was {$2600.00} and {$1000.00} was refunded paid back to Sallie Mae from XXXX College. On XX/XX/XXXX, XXXX XXXX XXXX XXXX also transferred a {$1800.00} balance of that loan to Sallie Mae. None of these amounts reflect the total balance owed to Sallie Mae, neither has Sallie Mae Servicing Center corrected any of these issues but it was presented to them countless time from XXXX to XXXX. Sallie Mae did not stop their fraudulent activities there nor did anything to correct them. On XXXX of XXXX I wrote a letter to Sallie Mae expressing to them why I requested the loan amounts be corrected. My home suffered a 6 alarm fire, I lost everything and had to start all over again. There was a loan that was cancelled in their system on XX/XX/XXXX and I received confirmation letter from SMSC they removed it from my account dated XX/XX/XXXX and it was removed from bottom of letter where it list borrowers loans. However Sallie Mae figured out a way to incorporate this amount back into total balance owed to them via interest. On XX/XX/XXXX I received a letter from SMSC stating account has a total of {$4700.00} capitalized interest on it. Interest rates were always whatever Sallie Mae wanted them to be at the time. Regulations were not followed and regulatory caps on interest rates were ignored by Sallie Mae. The more I complained in addressing these issues the higher the interest rates. If you notice on attached interested rates were always higher at the bottom. After taking advantage of me and never correcting balances owed to them. My loans went into default with SMSC having never corrected amounts owed and suggested I do a loan consolidation. I did. When that loan consolidation was completed with XXXX XXXX XXXX. Which caused all beginning balances during consolidation to be incorrect to begin with. On XX/XX/XXXX Sallie Mae refused to correct because they were paid all wrongful amounts and funds stated to be owed to them through recommended consolidation. Necessary corrections SMSC stated they would make were never made by SMSC to reflect actual balances owed to them.
Company Response:
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Back in XX/XX/2017 University of XXXX contacted me and we three way called Navient. They helped me get set up on I.B.R. At this time I was told all my loans were covered under this. I even have bills with XXXX balance. But then I go to go back to school and there is a hold on my fasfa. Because navient has sent 2 of my student loans to collection. During this time I am still receiving XXXX balance due. Because of this hold i am not able to start school.
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
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: XXXX XXXX XXXX # XXXX Company keep reporting into my credit report in my credit report I wrote them several time plus I sent letter to all three credit bureau nothing been solve please I need help solving this. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, or incomplete, you have violated federal law I expect you to make a reinvestigation immediately. my social number is XXXX
Company Response:
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I went to University of XXXX in XXXX California from XX/XX/XXXX to XX/XX/XXXX. The location closed. My original loan was through Sallie Mae, then Navient and now Department of Education. I am now an income-based repayment plan which is been very low or zero and so Ive now I have accrued over {$20000.00} in interest in the last nine years. I didnt start making more than my loan until XX/XX/XXXX! Even the Department of Education is giving awesome repayment plans but it just keeps the interest stacking up. So I have got to pay it for 20 plus+ years before I get forgiveness unless I work for a nonprofit.
Company Response:
State: CA
Zip: 94561
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A