Date Received: 2019-07-24
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: According to the information on my profile I have paid by over $ XXXX to my loan that had an original balance on it of $ XXXX. I did defer it a couple times right after college but it has been paid consistently without one late payment for 7 years. From XX/XX/XXXXthere are capitalized interest additions totaling something like {$8900.00} because of deferments I apparently put into motion, but in addition to those capitalized interest charges, were late fees. I have been paying on this load since XX/XX/XXXX. I understand there may be significant interest, but this is crazy. I am going backwards and terrified. I spoke with a woman XX/XX/XXXX for over an hour who was rude and condescending. I spoke with another woman XX/XX/XXXXwho was nicer but had no interest in helping. This all came to light when I noticed my payments were not being deducted from my bank account. I checked on the Navient website and found my account was put into deferment. I did not request a deferment nor did I authorize one. So no months later ( because I did not realize at first ) I was given the option of paying all of the monthly payments at once and late fees or the capitalized interest in the amount of {$970.00} for a deferment I never requested or authorized. I have asked for assistance in repayment options to help find ways to see the reduction. I have asked for a breakdown to better understand how this can be a truthful business operation and not a scam. How am I going to help my son with his schooling? I would like loan forgiveness for the remaining balance of this loan. A $ XXXX loan over 20 years at 6.5 % is $ XXXX/month. I have already paid this off and then some. Please help. XXXX XXXX
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: There are five steps to submit your complaint : Step 1 : What is this complaint about? My complaint against Navient and Sallie on fraudulent activity towards my account. Sallie and consolidated loans i never entered agreement. Fraudulently sign my information on documents to take over my loans that was handle by XXXX XXXX. I have filed police reports and everything against this company. While trying to resolve the issue now Navient is over my loan I'm trying to resolve fraudulent activity alone with payments that paid XXXX for a XXXX loan plus interest totaling XXXX paid in full they keep having independent companies under umbrella to keep the account open on a paid account to get more money. This is fraudulent to me and they are transfer correct information on a loan that is paid in full. Step 2 : What type of problem are you having Step 3 : What happened? I try to call them but they give me a run around plus taking advantage of my situations to capitalize off me setting high interest rates and they care less to help you but work solely on the behalf of the Fraudulent company Navient. They have been paid in full. They find ways to keep the account current by selling my account to other companies. XXXX of my money then paid a account t Step 4 : What company is this complaint about? Navient and Sallie mae XXXX XXXX XXXX XXXX XXXX XXXX. Step 5 : Who are the people involved? XXXX XXXX consumer vs Navient Before you get started please help me
Company Response:
State: LA
Zip: 70403
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been directed by Navient that i was eligible and enrolled in the public service loan program. However after reading about a pending lawsuit i have found out that Navient did not tell me that i could not use this program because my loan is a XXXX consolidation and not a XXXX. This was done year after year, they lied and mislead me to believe i was in the Public Service Loan forgiveness program.
Company Response:
State: CA
Zip: 94607
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Navient calls my phone up to 10 times day. Starting XXXX XXXX and up to XXXX XXXX at night. I am already being garnished by XXXX, and have a child in college. I have to pay out of pocket for tuition for his schooling. They are not interested in helping just harassing me everyday 7 days a week.
Company Response:
State: KY
Zip: 40517
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I received a phone call from what I thought was the department of education however it turned out to be XXXX XXXX. They asked me all my information household size debt etc. They told me I could get my student loans lowered to {$39.00} a month with the REPAYE and that it would still be forgiven in the 20 yrs under the student loan forgiveness plan. I paid them a lump sum of {$390.00} on XX/XX/19 and then {$39.00} on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 and XX/XX/19. I got a bill from Navient stating I had been approved for the REPAY income driven based loan and my monthly payments were lowered to somewhere between $ XXXX {$180.00}. So I contacted XXXX and said I thought I wouldn't have to pay Navient anymore and just XXXX the {$39.00} a month. They said Navient is my student loan and to pay them as well. So I knew then it was a scam. I contacted them telling them I was being scammed and wanted my money back and I could have had my loan lowered with Navient for free by doing it myself like I have in the past. They didn't respond to my email. I sent another email telling them I do not give them permission to take any more money from my account. Now I am unable to even log in to my Navient account, says they don't have record of me. Please help!
Company Response:
State: PA
Zip: 17815
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This complaint is about the Public Service Loan Forgiveness ( PSLF ) program. I graduated with my XXXX in XXXX XXXX in XXXX. For five years after I graduated my loan was managed by Sallie Mae ( XXXX ), then by Navient ( XXXX ). Starting on XX/XX/XXXX, I was hired by the State of Maryland Department of Health. I have been employed there full-time ( 40-45 hours per week ) ever since. After I started this job, I reached out to Sallie Mae to inquire about the PSLF program. I was told during a phone call to make sure I was paying on time with an Income-Based Repayment Plan ; then after 10 years of qualifying payments, I could apply for forgiveness. Thinking I needed no further action, I continued making payments through my Income-Based Repayment Plan. In XXXX my loan was transferred to Navient ( not my choice ; Sallie Mae transferred the loan ). I reached out to Navient through multiple phone calls throughout XXXX and XXXX to confirm I was still in the PSLF program. I was told, by multiple operators in numerous phone calls, that I qualified for PSLF. I was told, again and again, that I only needed to ensure I was making on time payments with an Income-Based Repayment plan. I re-applied, and was approved for, an Income-Based Repayment Plan every year from XXXX through the present day. I was told, again and again, that after 10 years of qualifying payments, I could simply apply for forgiveness. I trusted Navient and Sallie Mae, and thinking no further action was required, I simply continued to make payments to my loan. I was never told to fill out an application to get my employer approved by PSLF. I did not think to record these phone calls because it never occurred to me that I was being lied to. In early XXXX I happened across an article in the XXXX XXXX XXXXXXXX describing the PSLF program. It was only through this article that I learned my payments did not qualify for PSLF. The article described that loans had to be consolidated ( mine were not ) and they must be held by XXXX only. I immediately began the process of consolidation and transferring to XXXX, which took several months. On XX/XX/XXXX I was approved for PSLF through XXXX. Since then, I have continued to make on time payments through an Income Driven Repayment Plan. I now receive letters confirming my placement in PSLF and confirming the number of qualifying payments I've made. Per the recommendation of XXXX, I re-apply for PSLF every year to get my employer approved. My complaint is that for nearly four years ( between XX/XX/XXXX - XX/XX/XXXX ) I was employed by a state government, making monthly payments, and believing I was already part of PSLF. I make significantly less money in the public sector than I could in a private job, and the Income-Based payments I make do not even cover my interest amount. During those four years, my loan balance grew. It currently lies at over {$270000.00}. I believe those four years of payments should count toward my completion of PSLF. I am a cautious person, and I made repeated efforts to communicate with Sallie Mae and with Navient about my loan. I was directly given false information. Had a single person at either of those lenders told me to consolidate through XXXX, I could have done so immediately. Instead, I kept my loan at Navient, believing I was already part of the PSLF program. Because of the lies I was told, repeatedly, I now have almost 8 years remaining on my PSLF plan. If I had been told the truth, I would have less than 4 years remaining. These years, and these payments, make a huge difference in my daily life. I am a married mother to a toddler in full-time daycare. I have another child on the way. I am a homeowner with mortgage payments. This is a time in my life I'm trying to settle down, establish my home, and start my family. Four additional years of payments ( currently at {$1100.00} a month ) is a huge financial stressor for me. The lies I was told by Navient have had a lasting impact on my life.
Company Response:
State: MD
Zip: 20876
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have sent letters to the Credit Bureaus and Navient XX/XX/2019, and XX/XX/2019 trying to get some clarity on this account. I the amount they are saying I own and to this company is incorrect, yet they have not sent me the original signed contract because I have never agreed to pay Navient or never had a contract with them at all. They continue to report negative and late payments to my credit when I communicated to the the documents that I requested to see. I feel like this is a violation of my right as a consumer.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have submitted a completed application for an Income Driven Repayment plan to Navient twice on XX/XX/19 and XX/XX/19. I have also submitted proof of income, submitted a complaint to XXXX and emailed Navient Customer advocate. Most recently, XX/XX/19, I received an email from Navient stating my application for repayment could not be completed due to missing pages but they did not specify which pages were missing. I completed all pages of the application requiring completion, name, signature and social security number. I am confident Navient is intentionally delaying processing my REPAYE application because I have a standard payment due soon. In the past, they have neglected to assist me in attempting to repay my loan with lower payments which has forced me into deferment or forbearance. They consistently make up excuses about my completed IDR applications.
Company Response:
State: FL
Zip: 34638
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XX/XX/2019 checked personal email and noticed a Navient email from XX/XX/2019 regarding an application for income driven repayment plan. I did not apply. I called and spoke with XXXX at XXXX EST. She stated there were documents that did not pertain to me, my loans, or my account with Navient. I asked that the call be transferred to a supervisor and spoke with XXXX at XXXX EST. He informed me that the call was transferred to him with the incorrect account information ( my not reason for the call ). He got back on the line and explained that the documents of another customer were incorrectly scanned into my account. He stated he would put in a support request to have the invalid documents removed from my account. Is there anything else I can help you with?. I explained that, that was not an explanation and did not make me feel less concerned as my own documentation is in my account and Im not sure whats happening to it at this time. I requested to speak with another supervisor. The call was unable to transfer so I received a call from XXXX at XXXX EST. I informed her what was going on and she stopped me mid sentence to verify my identity. This is the FIRST time Ive verified myself during this process ( which I did let her know ). She said this is a serious issue that records and documentation are NOT being verified when being uploaded to customer accounts- when being received by fax. Online uploads have a time stamp. I asked if this wouldve been caught had I not called being concerned, the answer was no since it was already an accepted application posted to my account. It wouldnt have been able to process the app, but there was no way to follow through in the duration. I did tell her there are serious repercussions of this, had I not informed them of their mistake. This girl was requesting INCOME DRIVEN PAYMENTS!!!! Im not sure what her situation is, but had it not been processed and accepted, this could have defaulted her accounts ; in turn, affecting her credit report. XXXX apologizes and thanked me for my effort, and was grateful to me for the other customer. She also said shed make a follow up call to maintain communication regarding the documentation being removed. I did ask that she upload the documents to the correct customer account. What I am upset about is XXXX, whos meant to be a supervisor, wanted nothing to do with this call. Did not want me to voice my concerns. Did not care how I felt regarding VERY sensitive and personal information pertaining to mine and an entirely separate persons account. I expressed my disappointment in XXXX to XXXX ; again, sensitive and personal account information. Reiterating that my identity was NOT verified, I am extremely concerned with how documentation and application processes are being managed.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: In XX/XX/2018 ; my loan amount exceeded XXXX citing an interest rate increase from XXXX a month to XXXX. Each time I spoke with a representative there was a different reason and what they could do to help. In XX/XX/2018 I uploaded tax forms, check stubs and application. The documents were never reviewed by Navient. They would not negotiate a lower payment with documentation that I could not afford the payment and would not hear what I could pay. I was threatened with garnishment and loss of teacher certificate unless I did a forbearance. Thiss loan has ballooned to XXXX. As a math teacher this is a pure SCAM. I will never pay this loan off ; they will not take partial payments. I get no mail until I request and every representative has a different script. Presently they are asking for XXXX per month. My take home monthly pay is XXXX. I can not pay any bills with this payment yet I keep trying to work things out. Presently, Ive asked for a different loan. They have each of these loans listed as 13 separate loans. Some as low as XXXX and reporting it to the credit bureaus as 13 separate loans. I try to give them a number I know I can afford and pay ( XXXX a month ) and they still wont take it ; however if I lose my certificate and my job they wont get anything. Im frustrated. I am hoping the documents I send today will show that I can not afford such balloon payments and the only option they offered was IBR yet I am eligible for a lower % age payment. Please help! Drowning in Georgia
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A