Date Received: 2019-07-17
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I asked for a delay in payments. it was granted. late payments were reported during delay.
Company Response:
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I XXXX XXXX XXXX have earned my XXXX Degree XXXX GPA at XXXX XXXX XXXXXXXX, I began my XXXX Degree at XXXX University XXXX GPA, ( Left due to teachers consistently got upset because I had to remind them to post my earned/noted grades into the online grade book ), and continued my XXXX Degree pass completion at XXXX University ( Student # XXXX XX/XX/XXXX-XX/XX/XXXX ). XXXXU has refused to release my XXXX degree and transcript for employment, which has prevented me from gaining stable teaching, probation, and parole officer jobs which I most recently applied, etc. XXXXU has also prolonged me paying off an accurate amount for the student loan due ; because I have no XXXXU transcript upon request to be sent to employers when I submit the online request to be distributed official or nonofficial transcript from the university. I also to repeatedly remind their teachers to enter earned/noted grades to the online grade book before/after classes started/ended.I was eventually prompted to track numerous fraudulent changes to my degree audit.Navient Unpaid Principal : {$68000.00} Unpaid Interest : $ XXXXInterest accrues daily ( {$15000.00} XXXXU added on for their insisted required extra classes-Told XX/XX/XXXX ) I was prompted to write this letter after it was confirmed to me that again an employer never received my online requested transcript. After numerous phone transfers, XX/XX/XXXX financial advisor transferred me back to XXXXU financial advisor manager XXXX after she hung up on me once I stated my name. The initial financial advisor confirmed that my total degree audit credits had been depleted again from XXXX credits on of my last printed copy to XXXX claimed total amount of credits earned sometime around XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX. They keep secretly decreasing my credit total amounts earned but no reduction to the claimed fraudulent balance owed, or inaccurate GPA. Although, the financial advisor manager XXXX would only state that he wasnt supposed to tell me nothing, as she insisted on only updating my address which I repeated did not change, so she didnt want to discuss my account. My online access is locked and blocked again from me to this day and IT help desk simply because they dont want me to see they are still attempting to make my degree audit look accurate so XXXXU wont look as fraudulent for padding it with previously passed classes from the 2 two prior universities I attended listed above.I am requesting an independent investigation in reference to XXXXU 's fraudulent and unlawful common illegal manipulated strategic practices and intentional financial discrepancies for the institutions financial gains. I sent initial complaints to Texas Department of Education to XXXX XXXX ( Who corresponded that I complained too early and too late ). At the time of my complaints ( High admin turnover while I attended ) XXXXUs XXXX XXXX president, XXXX XXXX vice president, XXXX XXXX director of student affairs, XXXX XXXX enrollment counselor, XXXX XXXX and XXXX XXXX finance director/XXXX director both insisted in email attached that I repeat classes that I communicated repeatedly I passed in my XXXX degree program and at the beginning of my XXXX program, and XXXX XXXX of Texas Department of Education, fail to recognize this matter is not closed due to my deliberately hard earned education as well as financial situation matters. XXXXU knew exactly what they were doing that is also the reason my fraudulent expected graduation date was XX/XX/XXXX ( though I only needed XXXX credits to complete the XXXX program ) XXXX XXXX XXXX director stated to me, " The expected graduation date is XX/XX/XXXX in order to prevent a limited scheduled amount of money from student loan agencies/ student financial aid, to access all available funds ; with claims to the student loan agencies/financial aids of it taking 8 years for a student to complete the XXXX program. But a law was changed and they corresponded that I owed the college calculated and unexpected funds outside of financial aid and initial loans previously agreed upon, so a {$1500.00} semester scholarship that was offered disappeared. So, this is one of the reasons XXXXU has refused to release my transcript and degree. I have honestly earned my XXXX degree w/over XXXX credits for a XXXX credit program XXXXU continues to randomly and quietly deplete credits just to make their documents look accurate, ( I have numerous degree audit copies to prove it ). There is a tremendous amount of proof in my XXXXU email box XXXX as well. I endured and complied with email proof request to retake the numerous additional doubling up of classes taking 4 classes per semester instead of 2 from approximately XX/XX/XXXX to XX/XX/XXXX. I insisted on doubling up because I got tire of going back and forth with XXXX XXXX and XXXX XXXX finance director/ XXXX director and I made sure they knew that I had previously taken the 10 extra classes. They still again added more previously passed classes XX/XX/XXXX simply because I completed all posted classes again. XXXXU faculty only continued to post classes previously again passed with A/Bs to populate in online catalog for my selection ( As a common fraudulent practice it appears for the university to later say I selected classes previously taken on my own ; knowing there was nothing that I had not taken listed and that is the sole reason I stopped taking classes XX/XX/XXXX ). I also have email proof persisting that I take the classes, but the Texas Board of Education claimed they refused to read or accept it. When it was XXXXUs student affairs who clued to me that I initially had a problem with the XX/XX/XXXX10 blocked classes which could for some reason only be unblocked not by IT help desk, but by XXXX XXXX enrollment counselor who persisted to offer me a free dinner at an expensive restaurant in XXXX XXXX, instead of my continued education as I ignored her. No matter how I explained to her and other faculties I had previously taken all the classes on my degree audit and in their catalog listings. I have numerous XXXXU revised degree audits w/o my knowledge or permission attached that displays repeated systematic changes of corrections because the university was wrong over and over again, attempting to make things look right per my complaints. XXXXU insisted on manipulating my GPA which they refused repeatedly to share with me while I was a student, and expected graduation date XX/XX/XXXX although I began XX/XX/XXXX. XXXXU who claims not to be WRONG arrogantly, repeatedly, and commonly corrected, revised, or just totally changed my degree audits by also untransferring classes from my official transcript/reposting them requiring for me to retake although passed in XXXX program on XXXX XXXX XXXX official transcript or initial XXXX program from XXXXU official transcripts that they received w/only choices of classes previously taken and passed, then to now reverse the classes to appear legit with claims of me selecting duplicate classes. Clearly and initially the problem was XXXXU did not have enough classes or instructors for me to take XX/XX/XXXX and all posted classes listed on my degree audit had been completed, which was found on both official college transcripts. Fraudulent XXXXU like to talk in circlesSome classes listed on their catalog had nothing to do with XXXX, wrong classes they claim I took they label as extra credits but can't count as a capstone or final class ; but the only capstone classes I had listed on the catalog and degree audit again I had previously passed in my XXXX XXXX program at XXXX XXXX XXXX and each time I would mention this they would change it to another duplicate class from one of my official transcripts, hoping I would not notice. Every time, I forwarded new accurate proof to the Board of EducationXXXXU the college commonly revised all contradictions of false statements and inaccuracies of padding my degree audits with previously passed classes from my past college transcripts for compromised visible accuracy. These types of common practices only benefited XXXXU due to them completely running out of classes and instructors for me XX/XX/XXXX listed on my general XXXX concentration attached. Instead of their curriculum being XXXX credits to graduate like XXXX XXXX XXXXXXXX and XXXXU the identical curriculum and classes scheduled unlawfully requires a initially hidden 180 credits ( Which conveniently changed ) to complete the XXXX program as they stole previously passed classes from my official transcripts, whether they were included in my general XXXX concentration or not. Surely these are not an isolated incident they are just fraudulent. The XXXX classes that XXXXU requested for me to take before/after XX/XX/XXXX consist of classes which has already been again taken and passed during my XXXX Degree program when I previously attended XXXX XXXX XXXXXXXXXXXX. Also, I have taken all of my religious courses and then some at XXXXU which were previously accepted as transfers at XXXXU, but they deemed it convenient to untransfer/ unapproved and add to my XXXX program due to again they ran out of classes and instructors for my general XXXX concentrationHowever, I have received several degree audit communications which fail to include all hours which I accrued. According to all transcripts, I have taken and completed classes amounting to XXXX ( Now changed again to XXXX w/no failed classes ) credit hours after I noticed I needed to track the manipulated degree audit changes. The required number of hours for a XXXX degree is XXXX, but initially XXXX. ( See attachments included )
Company Response:
State: NM
Zip: 88310
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: My issue is with Navient, the company that inherited my private student loan from Sallie Mae. After the transfer, Navient refused to continue to defer my loans while I continue my graduate education. They temporarily placed me in a Rate Reduction Program, but changed the terms of that program at will. After making my payments faithfully for four years, they will no longer extend the Rate Reduction Program nor defer my loans while I am in school. Each time I call to request help, I am given no options to lower my payments or defer my loans.
Company Response:
State: CA
Zip: 94608
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: In XXXX my private student loans were put into a temporary repayment plan with a lowered interest rate that I qualified for because I was having some issues paying because I was out of work due to health issues. I had 2 automatic payments that Navient set up to pull from my checking account, one for my federal loans through them and one for the rest of my loans ( private ). In XXXX I found out that the Navient team member I spoke with inXX/XX/XXXX 2019 did not put the rest of my loans into the other payment as we discussed, but only 2 of them so I had 2 loans that had not been paid from XXXX. I called and spoke to that same employee on Wednesday XX/XX/2019.XX/XX/XXXX She told me that he manager was out and would need to listen to the conversation recording from when it was set up ( only management has access ) when she returned to the office on Thursday XX/XX/2019 and it should be resolved by the next day Friday XX/XX/2019 and that if it was in fact Navients fault ( the Navient team member also specifically said her fault since she was the one I initially spoke with in XXXX ) Navient would bring the loans current. I did not hear anything on Friday or the following Monday, but on Tuesday morning XX/XX/2019 my father and co-signer received a letter in the mail that legal action was going to be brought against him for the unpaid loan amounts, despite the fact that I was actively working on getting the situation resolved. I called Navient immediately and spoke to another manager. The manger was very rude to begin with and never let me complete a sentence. I had to ask him to stop speaking over me and listen to me complete my full thought before responding. It a appeared that absolutely no research had been done into finding a resolution to the issue and the manager I spoke with, XXXX, told me that I would need to pay the back money even if it was Navients mistake. I told him that if it was a service issue where an employee of his company made an error a customer should not be penalized. My father in the meantime called and made the payment afraid of legal and credit rating issues. I asked them to refund my father and they refused. I was told they would look into it and get back to me. I asked for a call back by the end of the day. I was told it takes 3-5 business days. It had already been a week since I had first call so I said it had been 3-5 business days so again I would appreciate a call by the end of business today. I did not receive a call back. But another manager did call my father an additional time yesterday to ask him once again to pay the money that 1. I am actively working on getting resolved if they read any of the notes on my account and 2. He had already paid earlier that morning and I was trying to get it refunded to him. Ive had nothing but issues with my student loans since I started paying them back but this situation is ridiculous. Theyre harassing my father. Theyre telling me different stories depending on who Im talking to. Theyre expecting me to have to pay for their mistakes. This is not how a business is run. I called today XX/XX/19to follow up because I want my father refunded and this resolved as soon as possible but I was told I couldnt speak to the person I spoke to yesterday because he was eating lunch. I understand you have to have your lunch break, but what type of corporation is so unprofessional that they actually share that type of information with customers. I asked to speak with the managers supervisor but I was told they dont take calls. Theyll call you every day if they want your money, but when theyve made an error, which I can forgive because we are all humans, they cant even give a call back to even say we are working on it to give some type of Customer Service when Im clearly very upset and trying my absolute best to get it resolved ASAP. This is the worst company Ive ever done any business with either personally or professionally.
Company Response:
State: MA
Zip: 01801
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am enrolled an income based repayment program. I work for a XXXX and my XXXX completed the public service loan forgiveness application in 2014. I have been making payments since that time. I renew my IDR annually and I ask how much longer until my loans are forgiven at that time. Last year I was told 6 years, this year I was told XXXX years! I spoke to a supervisor XXXX XXXX who stated I was enrolled in an income based repayment program but never the Public Service Loan Forgiveness plan and XXXX doesn't even handle that type of program.
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XX/XX/2019, Navient switched my loan repayment from paper billing ( receiving a paper bill in the mail every month ) to some type of online billing for 2 loans. Prior to this switch, I made all of my loan payments on time. Two loans were not switched to online billing and I have continued to receive paper statements and make those payments on time. I did not initiate the change in billing. After being contacted numerous times by telephone regarding late payments, I investigated and contacted them at one of their toll-free numbers. I was informed that the online notices were going to two email addresses that were no longer valid -- one was several years old and one was a couple of years old. I requested that I begin receiving the paper statements again, immediately. I was told on three occasions -- once in XX/XX/2019 and twice in XX/XX/2019 -- that I would be switched immediately. I also received a weird form letter from Navient after the first call that indicated I had never been switched off paper billing. They continue to call and harass me daily for payments, but have never switched me back to paper billing.
Company Response:
State: IL
Zip: 627XX
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/2019 I noticed my loan payment had not been taken from my checking account. I am on what they call a reduced rate program and they auto debit my account each month. I checked to see that my account was overdue and called to find out why the money had not been taken. I was told my program ended and I was responsible for the full payment amount. I had not been provided correspondence of the end of my payment program. I was told that information was available on my monthly statements. When I rechecked my statement there was no information about the end of my program date.
Company Response:
State: PA
Zip: 17055
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: From 2007 till now, it has been so difficult to get my servicer, which seems to change all the time, to lower my payments. When it is done, it is cancelled after sometime without notice, Instead I get pushed to apply for a forbearance, instead of just allowing me to continue to pay as I earn. Moneys taken out of income tax return is never seen on my account, no contact is made to let me know that money has been recieved. It is a mess. My credit is poor because of all the interests. I know I'm being mislead, and overcharged.
Company Response:
State: VA
Zip: 23601
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I feel that Navient has led me over several years to continue forbearance and deferments instead of trying to help me get a payments that I can affordable handle
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: In XXXX, I co-signed a {$8000.00} student loan for my daughter. Until this month ( XX/XX/XXXX ), I never received any kind of statement. I was surprised to see that they started charging fees in XXXX. Also, they have started calling me relentlessly, although my daughter pays them, but she is sometimes late. Now they act like I'm the sole contact. I feel harassed. I've paid only a few times to help my daughter out. But I requested a history of the loan last month. I feel the fees and interest are excessive. It seems the loan does not diminish and they call and say the loan is past due even when I've sent 2 payments. It's always " the account is past due ''. I believe they're being deceptive. How could I know if I did not receive statements as co-owner of this loan?
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A