Date Received: 2023-06-09
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: In accordance with the Fair Credit Reporting Act, NAVIENT has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish accounts without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card accounts under an open-end consumer credit plan as late for any purpose.
Company Response:
State: MD
Zip: 20745
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Sadly, there was a lawsuit against California XXXX XXXX and at the time, my loans were at an all time high of interest rates of 19 %. I opted out of lawsuit due to possibility of losing suit and having to pay lawyers. I have over most of the almost 20 years paid my loan but currents rates at XXXX if insane and there is no wiggle room to pay down my debt. I called to see if my private loan is available for cancellation, but told not at this time. I am currently in forbearance with no end in site. I even tried to refinance and current rates at 9 % and higher. I am at a loss as what I can do.
Company Response:
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Calls Multiple times per day from different phone numbers each time. Calls my family members multiple times per day.
Company Response:
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I am on a payment plan because I can not afford the monthly payments with Navient. Even though I have a payment plan set up with automatic payments, I receive XXXX calls a day and so does my co-signer. When I pick up the phone to answer, there is hold music playing for XXXX seconds to a minute and when someone does come on the line 75 % of the time they hang up on me. I work very hard to pay what I can to this company and yet the harassing phone calls don't stop, even when there is a payment plan in place and pending automatic payments. I have asked the people calling to stop calling me and my elderly co-signer who can not help at all financially. I have been told by reps that there is nothing they can do about the calls. One rep told me that the list of numbers autodials and she can not stop the call being placed. I talked to a manager today and was told that the calls are not automated and that someone was physically dialing. When I asked why there is hold music when I pick up, and no rep on the line, she said thank you have a nice day and hung up.
Company Response:
State: NE
Zip: 68104
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Sallie Mae now Navient has ruined my financial life. I had an original loan of XXXX which is now XXXX. I have made payments for over 10 years to them with a loan that has now doubled. I work in public service and my federal loans have all been discharged due to my working experience. Navient does not assist in that. Calls me and my family non stop. Ruined my credit score, and offers no options to lower the cost. They have forced me into forbearance multiple times. They have scammed me completely. It is ridiculous how they handle themselves.
Company Response:
State: IL
Zip: 60106
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: We have FFELP Spousal Joint Consolidation loans. Since the Joint Consolidation Loan Separation Act was passed last XXXX we have been waiting for the DOE to implement a process for us to separate these loans and consolidate them into Direct Loans so that we may qualify for IDR and PSLF. My servicer, Navient, has been allowing us to put the loans into an administrative forbearance in 2 month increments since then. Recently the DOE came out with updated information saying that they won't have a process in place until late 2024 but that borrowers can have their loans put into forbearance until this process is implemented. I just called Navient because my most recent forbearance was expiring and was told that now that they know there won't be a process until late 2024 that there are no longer any options available to us to stop the payments on these. This is outrageous! We should not have to pay another dime on loans that will be forgiven once the DOE does their job and implements a process for us to separate and qualify for IDR and PSLF.
Company Response:
State: CO
Zip: 80134
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I filed for bankruptcy in XXXX and it was discharged in XX/XX/XXXX. My bankruptcy included 3 - Navient private student loans. These loans were discharged due to the fact that the loans exceeded the cost of attendance and were given directly to me, the borrower. Navient ( Sallie Mae ) never verified the cost of attendance to the community college I was attending at the time and these loans were not used for the cost of attendance to the school and instead given directly to me. Regardless of my bankruptcy, Navient continued to collect these loans, from XX/XX/XXXX to XX/XX/XXXX in the amount of {$11000.00}. In XX/XX/XXXX, a judge ruled that Navient could no longer collect on these loans, Tuition Answer loans, from the plaintiffs, therefore the loans were transferred to my co-signer instead, without her knowledge or any formal documentation. According to an article released by the CFPB, you warned several companies about collecting debt after being discharged in bankruptcy. Navient has still been attempting to collect on this debt from the former co-signer, now the borrower.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I owe students loans for a school that closed down. And I wasnt able to complete my degree in XXXX This has affected my credit for years and my check was garnished.
Company Response:
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2023, I received an email from The Department of Education advising that my student loans were approved to be forgiven under Exhibit C of The Sweet vs Cardona Settlement that was finalized in XX/XX/2023. On XX/XX/2023 I contacted Navient to follow up on this matter as I have not received notices or updates from them. I spoke with a supervisor by the name of XXXX, Employee ID : XXXX who advised she knew nothing about the settlement and that they had not received any information. I uploaded the letter to my outbox portal while on the phone and allowed her to review it and she acted as if she didn't know this information and provided no assistance. I then followed up with The Department of Education the same day and advised them of the information Navient provided. I was advised that the email that I was received was correct and I should see things finalized in the next couple of months. Today I followed up with The Department of Education and requested a supervisor as I was not offered much assistance and given the runaround as usual. I spoke with XXXX a supervisor in length and shared with her the difficulties that I have been experiencing. The US Department of Education/Navient is Not Discharging Loans Under Sweet vs Cardona Settlement as the email advised.
Company Response:
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hello, I submitted a requet to have my student loans discharged due to the closure and curruption practices of the college the loans were approved for. The college that I attended was located in XXXX, NC named XXXX XXXX XXXX. I dont understand why I have two set of loans for a XXXX trade school almost exactly a year apart. The class is a trade school paid upfront with approved studet loans for the whole estimated part time students for the state of North Carolina requires XXXX clock hours for the XXXX course. Students are expected to complete the course in no more than 133 % of the program length. If a student is never absent, he/ she should complete the course within XXXX to XXXX weeks for a part-time student. Due to being eligible to return in XXXX, I should have not had to apply for another student loan and I did not receive and funds back. The loans support deceptive practices. The second round of loans were even more than the original tuition. disbursement date of XX/XX/XXXX in the amount of {$2000.00}, XX/XX/XXXX {$1300.00} and {$2600.00} = {$5900.00}. ( Documents Attached ) disbursement date of XX/XX/XXXX for {$2600.00} and XX/XX/XXXX in the amount of {$4000.00} = {$6600.00} ( Documents Attached ) If I didn't maintain the required attendance required, it should have been reported to my student loan provider and would have been ineligible Common for XXXX schools do not have a leave of absence policy. If the student needs to take off more time than allotted in the contract or more than 14 consecutive calendar days, he/she must drop and reenroll when ready to return. Students who withdraw prior to completing the course of study and who wish to reenter will reenter at the same progress status as applicable at the time of withdrawal. Course incompletes, repetitions, and noncredit remedial courses have no effect upon the schools satisfactory progress standards. Reason ( s ) why request was denied The school to which your loans were disbursed hasnt been reported by the U.S. Department of Education as being closed and The student ceased to be enrolled at the closed XXXX XXXX campus prior to XX/XX/XXXX. ( NOT THE COLLEGE I ATTENDED ) ( Documents Attached ) I have attached the school accreditation dates from https : //ope.ed.gov/XXXX XXXX U.S. Department of Education . I could find it, I dont understand how Navient could not and returned with a different school name listed. Its XXXX XXXX XXXX not XXXX. I uploaded the auctual XXXX school information. The school is not even similar. ( Documents Attached ) I cant get my transcripts, attendance, hours completed, nothing. It is like I never attended the school accept for the student loans. ( Documents Attached ) I also tried to get the history for verification for sending the request to Navient, Account do not have any documents available that I sent to Navient. ( Documents Attached ) ... More info on DETERMINATION OF PROGRESS STATUS Students meeting the minimum requirements for academics and attendance at the evaluation point are considered to be making satisfactory progress until the next scheduled evaluation. REINSTATEMENT OF FINANCIAL AID for those who qualify If applicable, Title IV financial aid will be reinstated to qualified students who have prevailed upon appeal or who have reestablished satisfactory progress by meeting the minimum cumulative attendance and academic requirements. PROBATION AND REESTABLISHMENT OF SATISFACTORY PROGRESS Students failing to meet minimum requirements will be notified in writing and placed on Financial Aid Warning for the next evaluation period. They will be counseled regarding actions required to attain satisfactory requirements by the next evaluation point. During the Financial Aid Warning period, students are eligible, if applicable, to receive financial aid funds. If, at the end of the Financial Aid Warning period, the student still has not met both the attendance and academic progress requirements, he/she will be ineligible for Title IV assistance. A student may appeal the Financial Aid ineligible decision if he/she has a reason for not making satisfactory progress and if he/she can document that the circumstances that caused the unsatisfactory progress determination have in some way changed and that satisfactory academic progress standard can be met by the end of the next evaluation period. A student has five ( 5 ) calendar days from the date of notification that they are not meeting the second consecutive satisfactory progress determination to appeal the unsatisfactory progress determination. If the student appeals the decision, and prevails on appeal, they will be placed on Financial Aid Probation. The basis for filing an appeal, such as death of a relative, injury or illness of the student, or other special circumstances, must be documented. The student may obtain an Appeal Form from the Financial Aid office, once the Appeal Form has been completed by the student it must be returned to the Financial Aid Office. Please see the Appeal Procedures. If the school grants the appeal, it may impose conditions for the students continued eligibility to receive Title IV, such as changing schedules. For students who are not meeting academic requirements the schools educational team will develop an academic plan that will assist the student in meeting the schools academic requirements by the next evaluation period. If the appeal is granted the student will be placed on Financial Aid Probation for one evaluation period. If at the end of the Financial Aid Probation period the student has not met both academic and attendance requirements all federal aid will be suspended. Students may reestablish satisfactory progress by meeting minimum attendance and academic requirements at the next evaluation period. If the student has not met academic and attendance requirements for two ( 2 ) consecutive evaluation periods, and does not prevail on appeal, the student will be determined as not making satisfactory progress and may be terminated. This policy applies to all students regardless of whether or not they are eligible for Title IV funding programs. In order to comply with DOE requirements the terminology financial aid warning or financial aid probation will be used for both Title IV and non-Title IV students.
Company Response:
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A