Date Received: 2019-07-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: XX/XX/XXXX : I called to report financial hardship. I was placed on forbearance without informing me what they were doing, this later ended in crisis in XX/XX/XXXX by having to pay {$900.00} in interest alone. 1st.- After my call with NAVIENT on XX/XX/XXXX in regard to the request of changing my plan, the Representative redirected me to the Federal Aid website for the application. The Representative NEVER mentioned she was going to place my account on Forbearance, NEVER mentioned that this will recruit a high amount of interest. Navient has many issues related to the hidden information of their plans to its borrowers as this has happened with my account. After I was directed from Navient to the Federal Student Aid website, I submitted my Income with taxes. In fact, they required my wife to open an account for verification purposes. So, during my application on their website, I submitted my proof of income through the FSA websites. I never received any further communication from Navient asking for my Income whatsoever. 2nd When I called Navient on XX/XX/XXXX to request information for my new application for XXXX, the Navient Representative changed my status without my authorization and my knowledge. I noticed this change when I received a direct email from my Navient account that this change was made on my account. I called to report to this representative the same day I received the notification, but no one helped me to file a claim against the representative who did change my status without my consent. So, I would like to take the opportunity to request you how I can report this agent and I would like to also make a copy of this report to the Federal Student Aid agency since this was very arbitrary. I have attached to this request the ONLY NOTIFICATION received in XXXX when I requested to apply for Income-Driven Plan, but they placed me on Forbearance. And they said it is my fault because I did not send proof of Income, which is not true because The Federal Student Aid department was the one who asked me to do it for the application and I did it with them, I NEVER received a notification from Navient after XX/XX/XXXX asking for proof of my income. My application for the Income-Driven Plan was through FSA. I also attached the notification I received from Navient on XX/XX/XXXX after a Navient representative placed on Forbearance without my knowledge and consent. I noticed this change after I received the notification and made a call to Navient for correction. As you can see, there is an arbitrary behavior to place students on Forbearance without their previous knowledge. I would like Navient to provide the agents name who did this to my account and make a complaint in regard to this situation as well. Please, do not allow Navient to investigate themselves. They are going to cover their failures with excuses and blaming the student
Company Response:
State: GA
Zip: 30263
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: Navient is my student loan servicer and I enrolled in the income driven repayment plan. My initial payment was {$93.00} which was super manageable. I enrolled in auto pay so that I would not miss any payments. I was advised by customer that my plan could be reevaluated and/or I could select another option for repayment as needed annually. The customer service rep said Navient works with every budget so borrowers do not default or end up with unmanageable payments. In XXXX, I earned more than I did in XXXX and my payment is scheduled to jump from {$93.00} to almost {$600.00}. I did receive a raise, but that income also reflects repaid expenses for regular business travel, etc. Also reflected in that income is a massive vacation payout for hours that would not roll over into XXXX. Total income for XXXX isn't an accurate picture of my salary. Also, I only received this notification of the new payment on the Navient online system which could easily have been overlooked. I think it was designed to be overlooked, in fact. I immediately opted out of auto pay and ONLY then did I receive an email from Navient letting me know they were reviewing my request and would let me know if opting out of auto pay would be approved. I immediately called customer service and was told that my only option was forbearance so I applied. I was told that this would help me be approved for opting out of auto pay so that my account was not likely to be drafted. I was shocked. I removed all banking information from my Navient account but I do not trust that they will not deduct the new payment amount on XX/XX/XXXX. When I tried to explain my finances to the rep, she suggested that I claim a dependent to bring down my payment. I told her I don't have any dependents and she then said the lowest amount she could reduce my payment to would be {$360.00}. I said where did that arbitrary amount come from and she couldn't answer me. I told her that I had calculated that the payment would be closer to {$150.00} or {$200.00} which would still be manageable. I asked about all the options I was told I would have originally and she had no answer. I can not afford the two options she offered and need help to either restore what I was paying previously or a payment that is not more than {$200.00}. That is the max I can do! I also do not want to be in forced forbearance because Navient isn't giving me any workable options for repayment.
Company Response:
State: TX
Zip: 78154
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My Federal Loans were transferred by the Department of Education to Navient Loan Services to manage my loans. Around 7 years ago, I was instructed by Navient Loan Services about that my student loans would qualify for XXXX Forgiveness or Public Service Loan Forgiveness programs. In 2017, I submitted the XXXX Forgiveness application. It was turned down for some technicality, I still do not understand. Subsequently, I was recomended to apply for Public Employee Services Forgiveness program. Today, I called them and was told that my 2. ( {$200.00} total ) out the 3 loans do qualify, but not the {$24.00} XXXX loan. I have being making payments under the impression that I would qualify for Loan Forgiveness for working XXXX XXXX areas and providing XXXX XXXX with the government. I was wrlong! I was cheated.I have made payments for the last 7 years and beyond and never compensated for my services as promised.
Company Response:
State: CA
Zip: 90032
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My credit score is low, mainly due to my student loans. While I acknowledge that I attended three colleges and have a lot of student loan debt, I began looking closer into the loans I am paying on. Two of them are listed for a school I did not even attend. I have wondered for a long time why and how I ended up with such a high amount due. I am wondering why/how this could have happened? One of the loans is now for more than {$17000.00}! This one is dated to have been dispersed XX/XX/2005. The original amount was {$16000.00}. I have had other issues with my lenders too, such as different payment options being made available at different times and no mention of delinquent loans when I call in.
Company Response:
State: OH
Zip: 437XX
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I currently pay {$250.00} in monthly payments to Navient on a Rate Reduction Plan for {$63000.00} on student loans. Approximately $ 200/month goes toward the interest of my loan while only {$56.00} goes toward the principle of my balance. I originally took out about {$50000.00} in student loans through Sallie Mae ( now Navient ). I am on a 30 year repayment as I can't afford the over {$600.00} standard monthly payment. Over the course of the next 30 years based on the current loan rates I pay, Navient will profit at least {$72000.00} on an original {$50000.00} student loan. I've requested alternate payment options- none are available. I've filed formal complaints with Navient- I'm reminded of the original terms and conditions of the loan. When filing the complaint with Navient I was told my complaint is the most frequent complaint about Navient. Even mortgages are available for refinance. I've tried to request my payment allocations be restructured so {$200.00} goes toward principle while {$50.00} goes toward interest- Navent refuses and does not have such a program. Every six months my monthly payments increase with Navient due to a 0.5 % increase on interest. I can not afford the continuous increase in interest payments, I'm frustrated Navient and their shareholders continue to profit off my hard earned money. I've even considered stopping payment altogether but can not as Navient will pursue legal action against myself and my co-signers to garnish wages or put leans against my cosigners property. I comply with the payments to prevent the aforementioned consequences. I do not pay out of consent ; I believe Navient is financially raping thousands of student loan borrowers to line the pockets of the million/billionaire shareholders that have stock in this corporation. Because of Navient and my astronomical $ XXXX/mo student loan payments I can not afford a house, it's a struggle to help support my family, and quality of life is poor. I went to school for a better life, instead, I'm indebted to Navient, paying astronomical interest rates with no benefit to my self or my family. I can not better myself and return to school for a trade because deferment and forbearance will only increase my interest rates and long term repayments. I believe legal action needs to be taken against Navient to assist student loan borrowers reduce payments and help pay loans off faster. After 5 years of repayment to Navient, I have barely reduced overal principle of the loan and will not pay off these loans until I am XXXX years old.
Company Response:
State: NY
Zip: 14020
Submitted Via: Web
Date Sent: 2019-07-16
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: I am on XXXX XXXX due to several health issues since 2005 and am completely unable to work. My only source of income is my Social Security XXXX check I receive on or about the XXXX of every month and can barely afford to pay my bills as well as purchasing food to eat. I am in severe pain every day and have no quality of life. I get at least 7 or more phone calls from Navient every day and have tried to work something out with them.but due to my loan being a Private one known as XXXX they refuse to work with me in any way at all, have no empathy or regard for their customers and have lied to me and deceived me for years about all kinds of issues related to my Student Loan which I have brought down to a balance of about {$10000.00} or very close to it. They just our right will not work with me in any way no matter what and was one of the people that was deceived by saying I could file for XXXXXXXX XXXX XXXX XXXX to get the Loan forgiven, even mailing me the paperwork that I filled out and promptly returned but when I asked about the status was told that they could not even find the paperwork and had no idea what happened to it. I continued to request Navient to send me the Loan Forgiveness due to XXXX XXXX XXXX XXXX at least 10 times or maybe more periodically but either failed to be mailed the paperwork or was lied to by being told that they could not find the filled out and mailed in paperwork I sent to them. They failed to be able to provide me with any kind of excuse of what happened to the paperwork I mailed them at all so I truly believe that it was either thrown away or shredded and will continue to believe that. I have been treated like trash and talked to in a very condescending manner as well as being told that they would not work with me. I know there have been many Class Action Lawsuits filed against Navient that I out of anyone should have been included in but I was never even notified, why? I have no idea at all but have been very angry about it because of everything I have been through with Navient! I live in XXXX, Tennessee and would like to file a Class Action Lawsuit of my own by myself because being on Social Security XXXX does not afford me the option of hiring an attorney to help me unfortunately. I am a very dedicated, intelligent and capable guy that pays attention to detail and am committed to filling out all the paperwork required, calling whatever resources I need to, meticulously reading and making positively sure that I do not miss one single detail I need to take care of to make sure I do this correctly. The only thing is I have never filled a Class Action Lawsuit before and need help making sure I do not miss anything as well as being very appreciative for any advice or information you can provide me. Here are some details of how to get in touch with me any any other information you may need. Thank you so much!! Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Tennessee XXXX Phone # : XXXX Email address : XXXX Or XXXX If you need any other information from me please feel free to ask. Thanks again!!
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I obtained student loans for medical school from XXXX with Navient ( then Sallie Mae ). My loans were in forbearance/deferment during residency secondary to financial need. I was unaware of income based repayment options during that time. In XXXX, I entered into repayment under an income based repayment plan with the goal of using PSLF ( public student loan forgiveness ) since I employed in a federally funded university. I had spoken to Navient many times about confirmation that my loans would qualify, which each time I was reassured that I was on the right track. Yearly I continued to keep up with the yearly recertification of the income based repayment plan from XX/XX/XXXX to XX/XX/XXXX ( a total of 60 months of income based payments to Navient ). Each year I discussed the desire for PSLF to make sure I was on track and each year I was reassured that I was doing what needed to be done to qualify after the 120 payments. In XXXX of XXXX, I found out that my loans through Navient did not qualify under the PSLF program. In order to qualify I would need to consolidate my federal student loans ( {$340000.00} ) through the Department of Education ( XXXX XXXX XXXX ) and restart my 120 qualifying payments. I tried in multiple time to see if any of the previous years of payments could qualify and each time I was told no. I contacted Navient about the situation and they confirmed that I did not qualify with they types of loans that I had for PSLF, despite their reassurance over the previous years. Currently I have my federal loans consolidated with XXXX XXXX XXXX and I am making payments monthly to reach the 120 payments under a incomed based repayment plan. Had I been given good information from my lender about my loans not qualifying for PSLF, I could have easily consolidated my loans in XXXX.
Company Response:
State: OK
Zip: 74137
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay General Revenue Corporation, which XXXX reports negatively that I owe this company. There is no contract. This debt is not mine.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2019-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following Corporations : Sallie Mae, XXXX XXXX XXXX, Navient Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION/SALLIE MAE XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Sallie Mae and XXXX XXXX have sent inquiry letters, my response to there letters were affidavits of fact dated XX/XX/2019 for which no response was received rebutting any of the affidavits, there for falling into default judgment dated XX/XX/2019 for all affidavits received via Certified Mail See Attachments. Under United States Code 12 USC 73 Oath the bankers affiliated with these Corporations Chief Financial Officers have violated their Oath 's of Office. They have hypothecated and/or pledge as security on loans and debts. Also under Title 12 United States Codes 12 USC 411 Issuance to reserve banks ; nature of obligation ; redemption. Debt is the Obligation of the United States. Under the Truth in Lending Act Regulation " Z '' human beings can not be financial institutions and as a " Person '' which is defined as a corporation under Title 28 Section 3002 ( 15 ) ( A ). I am a sentient living woman I can not be a corporation as defined above in ALL CAPITALS LETTERS. The XXXX XXXX, Artificial Person, or 'Straw-Man ' is not who I am. This leads into a false claim under Title 31 USC 3729 False Claims. The amounts allegedly claimed owed from each corporation is as follows : XXXX XXXX amount allegedly owed {$260.00} ; XXXX XXXX XXXX amount allegedly owed {$5800.00} and {$3700.00} ; XXXX XXXX XXXX amount allegedly owed {$310.00} ; Department of Education/Sallie Mae allegedly owed {$4100.00}, {$6600.00}, {$11000.00}, {$4500.00}, {$8500.00}, {$8500.00}, {$12000.00}, {$4400.00}, {$12000.00}, {$3300.00}, {$2800.00}, {$10000.00}, and {$5600.00} ; XXXX XXXX XXXX amount allegedly owed {$850.00} ; XXXX XXXX XXXX XXXX amount allegedly owed {$0.00} ; Navient Corporation amount allegedly owed {$5600.00}, {$2800.00}, {$3300.00}, {$8500.00}, {$10000.00}, {$6600.00}, {$8500.00}, {$12000.00}, {$4100.00}, {$4500.00}, {$8500.00}, {$12000.00}, {$6600.00}, {$2800.00}, {$3300.00}, {$10000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$20000.00}, {$5600.00}, and {$20000.00} ; XXXXXXXX XXXX XXXX amount allegedly owed {$870.00} ; Sallie Mae Amount Allegedly owed {$8700.00} please see attached documents and inquiry letters. This is Identity theft, and fraud.
Company Response:
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2019-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Navient was reporting a 90 late payment on two accounts in XX/XX/2014. I disputed the accounts in accordance with FCRA. Instead of correcting the errors, Navient removed 7 accounts from my credit reports that were in good standing causing my scores to plunge. The 90 late payments were in XX/XX/2014 and they were eventually brought current. As such, they should have been removed according to Section 623 ( a ) ( 2 ). I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. Navient communication regarding retroactive forbearances states If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.
Company Response:
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2019-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A