Date Received: 2019-06-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/2019, I learned that my last 3 student loan payments dated XX/XX/2019 ( came out of my bank account XX/XX/2019 ), XX/XX/2019 ( came out of my account XX/XX/2019 ), and XX/XX/2019 ( came out of my account XX/XX/2019 ) had been misapplied. On those 3 dates, I paid {$130.00}. However, when I looked at the Recent Payments section of the Navient website, I saw payment amounts of {$110.00} for those 3 dates instead of the {$130.00} that came from my bank accounts 3 times. I called Navient to explore this. The woman I talked to ( XXXX ) explained that Loans 1 and 2 are consolidated and that payments are applied to both loans. I told her I understand, but upon review of my file the payments that were applied to Loan 2 in the amounts of {$15.00} were all reversed, so {$0.00} was applied to Loan 2 for the 3 payments I made. XXXX continued to explain that payments I make are applied to both loans and I continued to explain that {$0.00} was applied to Loan 2 the last 3 payments due to the reversal of how my payments were first applied. As a result of the reversal, the weekly {$15.00} I wanted applied to Loan 2 was applied to Loan 1 instead. 100 % of the {$15.00} they took away from my payment toward Loan 2 went to the principal on Loan 1. Per Navient 's website, payments are typically allocated to interest first. Their reversal of how my payment was applied goes against this. As a result of this reversal, there is now unpaid interest on Loan 2 in the amount of {$56.00}. It would not be this much if they had applied my payments without the reversal that XXXX said took place on XX/XX/2019. This was when XXXX said she would submit something to reverse the reversal. I asked if they would correct this mistake, just for clarification that my payments would be applied correctly. She said yes and gave me an estimated time frame of by XX/XX/XXXX.
Company Response:
State: KS
Zip: 667XX
Submitted Via: Web
Date Sent: 2019-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-27
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: General revenue services has been harassing me since XXXX. Two to 5 phone calls per day Monday through Saturday. Previously mentioned wage garnishment. I don't owe this debt- it has since been removed from my credit. Calls and sends letters to my father on the other side of the country. Has recently started calling my work- notably XXXX XXXX from the company. Their phone is XXXX XXXX XXXX, but they call from other numbers from local numbers and non-local.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01970
Submitted Via: Web
Date Sent: 2019-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My original student loan servicer was sallie Mae i has been put on an interest only repayment program while trying to purchase a home from XXXX. Navient became my Lon servicer and began to defer my loan from XXXX student assistance corporation would call me and offer deferment as best option and never fully explained options. In XXXX of 2017 i was Contacted by XXXX XXXX telling me i qualified For a student loan repayment program. If i made Eight payments of XXXX dollars they would put my loan in good standing. I did not complete the program or fill out paperwork from them. They asked for my information and filled out paperwork for a consolidation loan i found out about later. After this happened my loan balance increased by XXXX dollars. My account history shows a lob payment of XXXX and new balance of XXXX. There are duplicate interest charges each month and there is no record of any paperwork or loan details form the school or original lender. Lon history is also different for each loan. In attempts to acquire Loan history and terms i have Been unsuccessful only being told they do not have any.
Company Response:
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2019-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have three ( 3 ) private loans with Navient. I payed off early one of the loans on XX/XX/2019. On XX/XX/2019 my automatic payment went through as usual. On XX/XX/2019 I received an email from Navient stating that I was put on forbearance due to a recent natural disaster. I am currently living in XXXX XXXX XXXX and the previous addresses that they have in file are from XXXX, NY and XXXX, DC. None of those areas have had a natural disaster. I did not make a request to be put on forbearance nor do I need forbearance since I have always payed the loans on time through automatic payment nor do I currently have a financial hardship, in the contrary, I am considering paying off all of the remaining loans early. If Navient is involuntarily putting people on forbearance it causes their clients to pay more money on interest. Which is unfair and something that you can easily miss since I was notified only through email 15 minutes before their customer service stops taking calls for the day. It would be easy for someone to either completely miss that they were put on forbearance or forget to call them since they sent the notice at XXXXXXXX XXXX and stop taking calls at XXXX. I want to make sure that people are not affected by this since it does not appear to be a fair practice from Navient.
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2019-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I am receiving calls from various numbers belonging to Navient. They call me between 5 and 10 times a day. When i pick up, no one is there.
Company Response:
State: IL
Zip: 60106
Submitted Via: Web
Date Sent: 2019-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Company=Navient. Issues RE how account has been handled, collected, misrepresented, credit reporting, 2 loans attached that are not mine contributing to an inflated principal to collect higher interest payments. Navient currently owes me estimated thousands in overpayment refund. Despite my insistence of overpayment, and my dispute of legitimacy of debt they continue to garnish my accounts. Also, in a recent letter to me Navient States Unfortunately, Navient on behalf of XXXX XXXX. XXXX, XXXX can not provide you with 1098-E for the tax year ( s ) XXXX, XXXX, XXXX, XXXX, XXXX. ( They omitted XXXX - ) Please accept this letter as evidence that you paid XXX $ $ accrued interest. Im not sure that is even legal! I have 6 loans 3 sub/3unsub dating from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX total principal {$15000.00} at 6.8 % fixed. Since XXXX I have been being charged for two additional loans totaling {$6800.00}! These loans have no paper trail. Navient presented me with a copy of my original application for student loan as their proof of legit thats it! Further just because a student qualifies for a certain amount of loans does not mean they utilize the full available amount. So students beware! Also, there is no disbursement record of these two loans nor do they coincide with any student accounts/funds received on my behalf through the University either. In XXXX my family suffered a tragedy to our child with multiple hospitalizations. XX/XX/XXXX Navient found in me in default! By XXXX I was in hospital myself with a XXXX XXXX. Later in XXXX of XXXX my husband died, left me w/XXXX young children, challenged. By XXXX of XXXX Navient w/o notice, attached my SS widows death benefit and my fed tax returns ( more of a mess ) I ended up losing our family home at this point. For the last six years Navient has sucked over {$29000.00} from me on a {$15000.00} student loan debt!. ( And don't forget, they wont provide me with federal 1098-E student interest payment form! What are they hiding or what doesnt add up? ) Unbelievably still, Navient claims I currently have a balance due over 10K! I absolutely have overpaid this debt easily in excess of 6K and thats calculating everything as unsubsidized because they royally XXXX up their status calculations. ( I.e How can I be listed in forbearance while I am actively in school? ) In my opinion, Navient has been deceitful in their loan activities/maintenance practices, unethical in their approach to collection, and collection reporting. They have over-collected funds, and continue to over-collect $ . Theres a hand in my pocket and it seems I have had no way to stop them! wouldnt they have to show a proof of debt to a judge to attach accounts? I havent been able to get this seemingly false dossier. This has gone on now for years. Im hoping for help to recoup an accurate account of my over payment. Also hoping for assistance In getting a letter of their wrong doings to be attached to my creditors. Navient has put me through the ringer! Somebody needs to stop this runaway company and make them accountable for their unethical practices! We might not need to look so much into eradicating student debt if we monitored more closely those with the keys to the vault!
Company Response:
State: CT
Zip: 06810
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2019 I submitted a complaint to Navient that my credit reporting was not being updated. I have numerous late payments reported even though I was in deferrment. I have a statement from Navient stating that I was in derferment/forebearance. Navient rep took over 6 weeks to respond. She confirmed that I was in deferrment but said she has no obligation to update my credit reporting as the credit reporting was accurate when reported. The FTC advisory ( quoted and attached in this email ) specifically states that student loan creditors and other creditors must update information, regardless of whether or not it was accurate when reported. The Navient rep I spoke to ( XXXX XXXX ) stated that Navient is not required to follow FTC advisories. I have attached the email correspondences along with my statement from navient.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have tried numerous times to apply for a XXXX XXXX Discharge and kept getting the run around. I am XXXX XXXX XXXX and unable to work. They are in the process of taking out 15 % of my monthly XXXX check to pay them back. They are refusing to assist me. The claim I am not XXXX. I have tried to apply for a total and permanent discharge. They used vulgar language and scare tactics.
Company Response:
State: WV
Zip: 26505
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Hello, I have recently graduated earning my XXXX XXXX XXXX this XXXX and I am in the process of applying and searching for employment. I have outstanding student loan debt for which I've qualified for Income Deferred Repayment for 12 months through my Federal loans. I am also attempting to reduce my payments through my private loans but my experience through the Navient Private loan sector and collections department has been overwhelmingly rude and intolerant to my present hardships. It appears that they want me to show a default on loans or payments before any true consideration can be met with a compliance to reduce payments to a comfortable amount or an inability to make certain monthly loan payment amounts ( amounts to which, I, apparently can have no say in ). I have spoken with several managers, one of whom 's name is XXXX or XXXX, mentioned he sees no hardship and that our credit scores are good and no late payments have been made. Please note : I have future plans which require I keep my payments and amounts current but it appears you need me to miss several payments on my loans in order to qualify for your hardship consideration. I know what I can afford and I feel I am not receiving any assistance nor understanding from any member in this department. As we know, so often these factors of good standing are often taken into consideration when seeking new employment and thus your infringements further complicate any attempt to move forward. Thus I will continue to complain and seek every avenue to dispute your response in handling the hardship and circumstances of my situation and levels of distress regarding these loans. A fair resolution would be a logical one, allowing the student or borrower a say in determining an affordable loan repayment, particularly when the student / borrower is actively seeking to repay the loan but has not been employed and is using funds specifically allocated towards private loans. This is a responsible student that knows her budget and should have a say in what she can presently afford, according to her present condition and circumstances. XXXX XXXX.
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have four private student loans in total that were handled by XXXX and owned by XXXX. Two of the four loans have been given to Navient from XXXX. The XXXX Account Number for my loans is Account # XXXX. The Navient Account Number fir my loans is Account # XXXX. I have requested multiple times from both loan services for my terms and agreement paperwork and ownership documents that XXXX owns my loans. The fact that I am asking for help with repayment and to see my terms and my services won't provide me any paper is concerning as I do not believe the amounts I owe are the true amount. Can you please get my terms and agreement paperwork and ownership documents from XXXX so I can have the binding documents that my loan is in fact still intact.
Company Response:
State: NY
Zip: 11209
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A