Date Received: 2019-07-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My student loans reflect as ok for one month and jump to 90 days late the following month. I don't understand how you become 90 days late in a 30 day period. I've disputed this with all 3 credit reporting agencies. On XX/XX/XXXX I received notification that my dispute filed with one credit reporting agency has been completed. While reviewing changes made to my payment history, I noticed they only corrected one month, XX/XX/XXXX but changed XX/XX/XXXX to 90 days late so nothing was actually fixed. The reporting reflects incorrectly jumping from ok 1 month to 90 days late the following month going back to XXXX.
Company Response:
State: FL
Zip: 32205
Submitted Via: Web
Date Sent: 2019-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navient contacted my wife two weeks ago on her number leaving a message for me indicating I was 90 days past due. I was in a rehabilitation program where they had all my updated information such as my address and my phone number and was paying {$5.00} a month. No one contacted me to let me know that Navient was taking over the loan. Obviously they had updated information for hey contacted my wife ( and I've only been married a year ). When I called they told me they did not have the correct address, they were using an address from when I originally got the loan back a few years ago. Amazing how they recieved my updated telephone numbers but not my address.
Company Response:
State: FL
Zip: 32905
Submitted Via: Web
Date Sent: 2019-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Here are copies of our account numbers and copy of cancelled checks that our title company sent with all of our information to Navient and to payoff {$70000.00} of Student loans we co-signed for our son. All of these checks were cashed by Navient on XX/XX/2019 and were to be credited to our account. NOTHING HAS BEEN DONE TO CREDIT OUR ACCOUNT! Instead we have been dunned like bad debtors as well as being told we are going to be charged interest and Late fees for the last 3 months! We are at a total Loss and distraught due to the fact we took out a 2nd mortgage on our home so we are paying for this too! We need to have this cleared up so we can live our lives and keep working to get our XXXX child through XXXX XXXX. PLEASES HELP! XXXX & XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33952
Submitted Via: Web
Date Sent: 2019-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-09
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Hello, Today ( XX/XX/2019 ) was the 3rd time I called Navient about my loan issue. I made a payment to Navient on XX/XX/2019 in the amount of {$81.00}. On XX/XX/2019 my loans were transferred to XXXX. XXXX has since been charging for the month of XXXX payment which I have already paid to Navient. I called XXXX and explained that I had already made this payment and they told me to speak to Navient about it and have them transfer that information to them. I called Navient and explained what XXXX had told me and Navient stated they would refund me the {$81.00} and I will then make that payment to XXXX. While on the phone with Navient, they told me they requested for me to get my refund and I should get it in a few weeks. When about a month went by and I didn't receive a refund, I called Navient back and the agent told me they saw no such request in my account and she went ahead and made another request for me. She stated that I would get my refund by XX/XX/2019. When XX/XX/XXXX passed and I still had not received my refund, I called Navient ( Today ) and I spoke to an agent by the name of XXXX XXXX, code number : XXXX I explained my situation to XXXX and told him that I had not received any refund. XXXX put me on a brief hold, came back and explained that I made a payment with Navient for the month of XXXX and that I have a XXXX balance with the company. As I tried to explain to him that I understand I have a XXXX balance but XXXX didn't receive XXXX 's payment he refuse to let me talk. He cut me off and began to speak over me. I told him that I allowed him to explain the information he got and told him to let me explain what XXXX told me and he cut me off again, spoke over and put me on hold as I was speaking to him! I asked to speak to his supervisor which he explained that she was sitting right next to him. The supervisor 's name was XXXX ( female ), code number : XXXX. XXXX came on the phone and explained what was going on with my loans and I told her that I would like to make a complaint how rude and disrespectful XXXX was to me. I explained that I have never gotten such terrible customer service from an agent. I asked her for a phone number to file a complaint and she did not give it to me. She said I can file it with her. She then went on telling me that I no longer have an account with Navient as to explain why I want to file a complaint or why I can't file a complaint. I asked her for the name and number of her superior and she did not give it to me. I asked her for her last name which she denied and then I asked her for her code number which she gave to me. She would not give me any other information on how to file a complaint and went on saying that we could call XXXX together to speak to them about this payment. I agreed but ended up ending the phone call because I was too upset to speak. I went online and found a number to file complaint about these unprofessional agents that I had just spoken to and to see if someone else could help me fix this issue. I called XXXX and was given this website to file a complaint. I had been with Navient for many years and made payments on times, each time. I had NEVER felt so disrespectful by any agent ever in my life before. The way that those agents spoke to me and their lack of professionalism was disgusting!
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2019-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-09
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I contacted Navient about a loan forgiveness because of the intuition I attended that they we're shut down of there practices and no one would help
Company Response:
State: MI
Zip: 48223
Submitted Via: Web
Date Sent: 2019-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient is my loan provider, I had them directly take payments out of my XXXX account every month, however sometime in XXXX I guess they had a change in policy that they never made me aware of that they would stop sending me monthly invoices in the mail, and that the only communication from then on would be through email which I never check, so I stopped receiving invoices in the mail and something happened with the billing and I got XXXX notices of my late payment, I found out checking my credit score that went down XXXX XXXX for XXXX of their late payments, I feel this is very unfair, had I not checked my credit report id still be delinquent, I want them two remove the XXXX late payments on my credit report, I explained my situation too them but they were very rude and told me to just deal with it, also the school I attended, XXXX XXXX charged me for a whole term after I took just a few credits and said I couldn't get my money back, it all seems like a big scheme to me.
Company Response:
State: HI
Zip: 96740
Submitted Via: Web
Date Sent: 2019-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-08
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient is reporting late payments on 9 accounts stating I was 90 days past due as of XX/XX/2016 when in fact I wasn't. They advised me that these late payments would be removed and it is still on my credit report.
Company Response:
State: TX
Zip: 77627
Submitted Via: Web
Date Sent: 2019-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX I attended high tech institute in XXXX California. I took a leave for 6 months after I gave birth to my child, which left me XXXX! In XXXX I was on perminate XXXX! I have been fighting XXXX, us department of education and XXXX XXXX since XXXX for my loan to be XXXX. I kept telling them I was perminatly XXXX, they would send forms for my dr to fill out, I would send them and would get more forms, for years! The same forms! I had some credit issues so I pay XXXX XXXX to repair my credit. In XXXX - XXXX I got several 120 day late payments on my credit report which were in accurate and cost me! Then this year I got another 120 day late fee and at the same i applied for a fee credit cards! My credit score dropped XXXX points, i was denied the cards and got a few hard inquires on my credit report! I got a letter in the mail XX/XX/XXXX stating it was for annual employment income report! They know i dont work but also it says my discharge date was XX/XX/XXXX. I have been harrassed for many years by these student loan company 's and I need everything updated and correct, and discharged! They are still making my gma pay for some of my loan too cause she was cosigner! XXXX XXXX
Company Response:
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-08
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: A year after I graduated, I was allowed to take out a tuition answer loan through Sallie Mae citing my boyfriend as the person who was enrolled. I believe I was unfairly and fraudulently targeted, not understanding that this loan was unaffordable and unnecessary. Additionally, all tuition was paid in full for the year yet I was allowed to take out this loan not being educated or explained the future ramifications of having this loan and making {$12.00} an hour out of college.
Company Response:
State: CT
Zip: 06053
Submitted Via: Web
Date Sent: 2019-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-07
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Hello, My complaint is an ease of access to my information on the NAVIENT website. I've been making regular payments on my student loans for several years. Throughout the years, if I have enough money to make an over-payment on a particular loan I would use their website to sort all my individual loans by various factors such as, loan total and interest percent. Within this view, I would click each loan and it would show details about that individual loan, such as, monthly payment amount for that particular loan. It would also tell me how many months at that particular payment was remaining within that loan. My complaint is how this information is accessed within the website. In its old state, I could click from one loan and see the details and then quickly click to another to play our scenarios within my mind as to which loan would be best to pay off first. The websites current sate now has users click within a different part of the website and submit a request and then I can view the same information within a PDF. Although the information is certainly provided to me the delivery is now harder to access. I have sent several queries to the help center within the website asking WHY the loan detail information is in this seemingly less convenient user flow. The responses I get are canned responses explaining how I can access the information. Here is a copy paste of their PDF response : XXXX Dear XXXX, Thank you for your inquiry. I am happy to help. The monthly payments are now under a different tab. If you login and click on Tools and Requests then Printable Account Information, you will find the remaining payment terms for each loan on the left as your scroll down the page. I hope this was helpful to you. Effective XX/XX/2019, the payment address for U.S. Department of Education ( ED ) loans we service will be : Department of Education, Student Loans, Navient XXXX. XXXX XXXX XXXX, OR XXXX If you use a bill pay service to send your ED payments to us, please update your service to ensure no delays in processing your payment. We're here to help If we may be of further assistance, visit us online or give us a call at XXXX, Monday through Thursday, XXXX XXXX. to XXXX XXXX., and Friday XXXX XXXX. to XXXX XXXX., ET. Sincerely, XXXX, your Navient Email Representative Navient - Department of Education Loan Servicing ================================= I want to emphasize that this complaint although sounds petty, it's incredibly frustrating at how it seems that NAVIENT is motivated by changing the design of their website to ensure that I spend as much time as possible accumulating interest on all my loans. I understand that this will probably not lead into any actionable complaint, however I have reasonable suspicion that NAVIENT is not interested in transparency of my repayment options but instead motivated to make my loan details harder to access. Admittedly, I am mostly motivated to finish repaying my loans so that I no longer have to deal with this company. One could call that a mutual compromise. Thanks to whomever is reading this. I appreciate all that you do!
Company Response:
State: WA
Zip: 98006
Submitted Via: Web
Date Sent: 2019-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A