Date Received: 2019-07-03
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: File # XXXX Good Afternoon, I have been trying to reach someone who can help further investigate why i am being charged loans from 2004. First, the bank i banked with at the time does not exist anymore so i am not able to retract proof of the Paid amounts, which i have tried to explain to NAVIENT. I have asked multiple times, i have sent payments so that NAVIENT could stop sending me to collections, I have asked them to investigate. Some of the accounts do not belong to me at all. Just a big mess. Please further investigate that the information that i am being charged for is actually accurate information. Thanks. XXXX XXXX
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2019-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On multiple days I received calls from Navient I was late on my payment due XX/XX/2019. According to my back statement Navient electronically cashed my check # XXXX for {$150.00} on XX/XX/2019. A call to customer service resulted in no assistance and a strong arm approach to make a new payment until the issue could be rectified. According to the rep the check was sent to the wrong address and not applied to my account, he further told me I had received a refund for the amount. Neither statement was true, my loan was paid 15 days early and not credited to my account.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2019-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had private loan with XXXX XXXX for 10k come due in XXXX. I made no payments. It was transferred to XXXX XXXXl and then XXXX XXXX. I still made no payments in XXXX I filed a chapter XXXX BK. this loan was included. The discharge was granted and XXXX XXXX nor any of the other listed companies objected to the court about the discharge. IN XXXX they transferred the loan to Navient and Navient claims I made a payment which I HAVE NOT- further California only allows 4 years for collections it is now 7 years and lastly even if loan with Navient they were also included in BK and never objected with the court. Their solution was to reduce balance owed to XXXX and now report the account as open and late- IT is not late it was discharged the statute of limitation for collections has run and their lying about me making any payments. THIS IS A VIOLATION OF FDCP. I want this removed and the account closed for this private loan.
Company Response:
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2019-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-03
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I am currently receiving government assistance food benefits, health insurance, and cash benefits. Navient will not allow me to go into forbearance since I have used that all up. And they will not allow me to lower my payments below $ XXXX under the rate reduction program. I am currently unemployed and have no income coming in at the present moment. I spoke with Navient on two different occasions and only on the second try did they even offer rate reduction payment program. They were able to lower my monthly payments, however, I am still unable to afford the $ XXXX they offered me. I am currently XXXX, XXXX belly a lot, and its been hard finding a job in recent months.
Company Response:
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2019-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: All payments were applied to interest only. While in forbearance, deferment, and income based repayment plans, I was charged exorbitant amounts of interest. I have been disputing and speaking with this company for years. I always get one answer ... we have reviewed your account and find it valid. We have the ability to legally enforce this loan. The amount of interest I have paid along with interest capitalization exceeds the amount of the loan. I have been unemployed and underemployed for the past 10 years. I am XXXX years old and do not see my way out of this. I do not know where to turn at this point. Can you help me?
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2019-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-02
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: According to both parties : XXXX and XXXX XXXX, 2 personal checks were sent to me as a refund from the funds that XXXX sent to the University. I have been asking for the copies of the cancelled checks for years. They can not produce them and they have now defaulted my student loans. Threatening legal action. The transactions supposedly took place in 2008, but did not show up until recently. They continue to say these are valid and I was asked by XXXX if I could prove that I did not receive the money? Why are they permitted to be unaccountable?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-02
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: After getting XXXX and being out of work Navient our my loan in forbearance and each year adjusted my payments based on my income. But the payments were apparently interest only but the amounts didnt cover interest either. By the time I had a XXXX child two years later and we attempted to do forbearance again we noticed our loan balance actually went up over the course of 3 years because our payments that were decided for us didnt even comer all the interest.
Company Response:
State: NY
Zip: 11787
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-02
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I attended XXXX XXXX XXXX, while being a student there i feel i was forced into Private Loans at rates above 13 %. I have had employment struggles on and off ever sense i graduated in 2007. XXXX promised me that i could always get help with the lender as long as i talked to them. That Private and Federal Loans can always be put in Forbearance. Well years later and now major credit issues. My Navient Private Loans went default. During all this time and struggles i payed and caught back up when i got work, then behind when i didnt work, trying my hardest to stay current. During these last few months, talking to case workers and then managers. I find out that they could have helped me more, this is there words, but they have to wait till i am days away from loans going into Default. If they would have helped me like i thought they should, being student loans by the Gov i could have keep up with my loans better. I know that i would not be were im at right now if they would have offered me the same programs to help repayment, that they offered at the very end. Always telling me if you cant pay the whole amount, then you cant pay at all. It was all or none with them.
Company Response:
State: VA
Zip: 23238
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navient has reported incorrect information on my credit report. I have several monitoring companies alerting me about my credit report. Navient has reported duplicate accounts on my reports for the same account. Navient needs to correct or delete the duplicate accounts that they have been reporting to credit bureaus.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient is intentionally misallocating overpayments/payments to maintain maximum interest accruements on portions of a consolidated loan to prevent loan bearer from paying off the loan quicker. 1. On XX/XX/XXXX, Navient intentionally applied {$61.00} of an overpayment to the larger ( XXXX DL ) current balance loan, when allocation was supposed to go to the smaller current balance ( XXXX DL ) loan ( all accrued interest obligations on both portions were met ). 2. On XX/XX/XXXX, Navient intentionally split an overpayment applying {$77.00} towards the larger ( XXXX DL ) current balance loan with {$84.00} going to the smaller ( XXXX DL ) loan balance, when the total ( {$160.00} ) was supposed to go to the smaller loan balance ( all accrued interest obligations of both portions were met ). 3. In XX/XX/XXXX, Navient intentionally allocated overpayments in the amount of {$280.00} to interest on the larger ( XXXX DL ) loan and allocated overpayments in the amount of {$200.00} to interest on the smaller ( XXXX DL ) loan. A total of {$490.00} was applied to interest in the month of XXXX alone which is inconsistent with the interest estimator typical monthly payments ~ {$210.00} for both loans in interest accruements. This over-allocation of interest to both loans should have rather been applied to the principal balance on ANY loan, especially the smaller current balance loan as stated and requested ( interest obligations were met and paid. ) 4. In XX/XX/XXXX, Navient intentionally allocated overpayments in the amount of {$260.00} to interest on the larger ( XXXX DL ) loan and allocated overpayments in the amount of {$180.00} to interest on the smaller ( XXXX DL ) loan. A total of {$440.00} was applied to interest in the month of XXXX alone which is inconsistent with the interest estimator typical monthly payments ~ {$210.00} for both loans in interest accruements. This over-allocation of interest to both loans should have rather been applied to the principal balance on ANY loan, especially the smaller current balance loan as stated and requested ( interest obligations were met and paid. ) 5. In XX/XX/XXXX, Navient intentionally allocated overpayments in the amount of {$270.00} to interest on the larger ( XXXX DL ) loan and allocated overpayments in the amount of {$190.00} to interest on the smaller ( XXXX DL ) loan, which contrasts the ~ $ XXXX/month ( based on interest rate, which did not change ). A total of {$440.00} was applied to interest in the month of XXXX alone which is inconsistent with the interest estimator typical monthly payments ~ {$210.00} for both loans in interest accruements. This over-allocation of interest to both loans should have rather been applied to the principal balance on ANY/EITHER loan as state and requested ( interest obligations were met and paid. ) Examples of similar systematic misallocation activities continued on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 6 ), and throughout history of loans back to XXXX. Navient also steered me away from income-driven repayment plans and lured me into multiple forbearances and consolidating the loans which were clearly not in the best interest of the loan bearer. Consolidation of multiple loans went into effect XX/XX/XXXX and disbursement payment requirements starting in XXXX. IDR should/would have been the most beneficial and practical since XXXX.
Company Response:
State: AL
Zip: 35173
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A