Date Received: 2019-06-26
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I've been having issues with Navient for years. They are very rude and condescending when they're talking to me. I had an issue once with it stated on my account that I had a past due amount but had been making auto-payments- they had the incorrect date on their end of the due date and when they were taking the payment, so they were calling them late- not my fault. Six months ago I called with issues with making payments. I had been unemployed and had to move across country for a job opportunity. They said there was nothing they could do- I also had complained that my payment was never the same every month and they lied and said it was. I had my account open in front of me showing different amounts taken from my account every month- again the agent lied. I told them to un-enroll me that I would make payments on my own. He assured me that it had occurred but the payment was still taken out of my account that moment. I forcibly through my bank stopped the payments from that point and did not make payments, as I could not afford them and the company was not willing to help me. Today, they called me and I again were so rude I asked to speak to the manager. The agent literally said to me " you have a job and the payment is {$180.00}, I don't understand '' When I explained that was too high for me he again said {$180.00} as if it was insignificant. The manager he finally transferred me to was just as rude but a bit calmer so I attempted to work something out with him. It's still not ideal but Idk what else to do. This company needs to be reported for the treatment of their customers.
Company Response:
State: WA
Zip: 98033
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: Received bad information about your loan
Consumer Complaint: After recently requesting a " verification of debt '' from Navient due to my account balances appearing to be extended, larger amounts due, and more loans than what I had on file, I received two loan applications and promissory notes. I pay on 3 loans every month to Navient that seen to never decrease in balances and the interest rates are up to 12 % when my records show much lower interest rates. I'm struggling paying these loans due to my financial planning was supposed to have them paid for by now but the loans keep increasing with different balances etc. I have loan documents from XXXX and XXXX to include 2 loans one for XXXX and one for XXXX. I'm not understanding where I owe 3 loans according to my account with Navient, 1 at XXXX, 1 at XXXX, and another at XXXX. After paying on these loans with Navient since XXXX I admit I have been confused and not able to track all my school loans and have just been paying what ever is asked of me. Recently after counting up the payments and years of payments it sparked a concern that my Navient loans were not correct and then I found many discrepancies. I would appreciate any assistance in this matter.
Company Response:
State: MT
Zip: 594XX
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: I have Contacted the department of education to investigate my student loan the for profit school that illegally got me into it under the lie that my credits where accredit and I could transfer into any school with also my master promissary note that didn't have my signature on it it wasn't mine it was electronic and I signed all my financial aid work at XXXX navient failed to provide my original promissary note. Yet they continue to report to the credit bureau during an ongoing investigation that according to the news in the paper could last year 's and in the process there during destroying my credit
Company Response:
State: UT
Zip: 84124
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: Don't agree with the fees charged
Consumer Complaint: I went to XXXX XXXX College from XXXX to XXXX. The school lost its accreditation and I'm still working to pay off this loan. My loan was consolidated by Navient to where I have been making payments for years. In not really understanding the interest and payment plans I often asked for payment to apply to the principal or what reasonable plan I can manage to do so. They offered a plan with a massive amount of over {$500.00} a month and other plans that would not benefit me so reluctantly I opt for the income driven plan. I later notice that my interest are higher than my payments. Evan when i over pay. My balance never decreases. Each month it increases. I'm only paying interest, nothing goes to the principal balance, not 1.00 dollar. I thought this was against the law. I am compliant. Navient does not have to call and hunt me down to make my payments. I work as a XXXX XXXX for XXXX but can not apply for a forgiveness because it's XXXX XXXX. I understand that I took this loan but do not understand how it can be paid off. I am trapped. If I fail to pay they will take it from from tax returns and my credit destroyed. Getting a better education should not result in feeling this way. This wrong.
Company Response:
State: GA
Zip: 30311
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: Old information reappears or never goes away
Consumer Complaint: As of XX/XX/XXXX I notified navient student loans to have my payments deferred because I'm currently enrolled in school. It was successful but on my credit report it's showing navient as being delinquent 3 different times but when I go on there web site it's showing that I have a XXXX balance. It also shows that will I will not owe anything for some of the loans until XX/XX/XXXX and XX/XX/XXXX. I'm so confused because it's dropping my score fast and it's extremely low because of this
Company Response:
State: AL
Zip: 36303
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-27
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: In XX/XX/XXXX-XX/XX/XXXX I had a employee steal Me from my class to sign papers threatening me If I didn't take out more loans I would be kicked out. I was gullible and naive not to read the fine print. The quality for education wasn't worthy of the loans plus interest. This school is a scam. The school is responsible for me taking out both loans. Also my credits didn't transfer to grossemont
Company Response:
State: OH
Zip: 43614
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I attended XXXX XXXX XXXX in XX/XX/XXXX through XX/XX/XXXX. I had taken a XXXX dollar student loan through Sallie Mae which was XXXX a semester. I withdrew a couple days into my second semester and the college tried to get me to pay them for second semester but I contacted them and it was fixed that I didnt have a balance and that they never received the XXXX for the other half from Sallie Mae. Since then I was unemployed and XXXX and in XXXX a lot and for several years I had told them that and asked for forbearance. In XXXX Navient still had my loans and my credit had been destroyed they put me in default and took my whole tax return. Now since then my lions were turned over to XXXX XXXX XXXX XXXX and Dept. of Education and Ive been on a repayment plan and out of default. I should not owe XXXX only XXXX. Im attaching all documents and would like to get refunded and the remainder of my balance eliminated and my credit repaired.
Company Response:
State: TX
Zip: 775XX
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: Problem with customer service
Consumer Complaint: Been paying on time for years, had to move to monthly payments, when lost job and lowered monthly payments, got job in XXXX XXXX, moved, barely missed payment deadline, started receiving plentiful and aggressive phone calls where they didn't listen to a word you said and kept pushing. ( It was lunch break, at the XXXX, told them that I don't verify information to cold calls an that I would call them back, or pay online, completely ignored me and kept pushing for my personal information. I was current about a few hours later, but I was still receiving calls in the interim. ) This is terrible harassment, to a customer who has been paying faithfully. I am disgusted that I was treated so aggressively. This company is a Government entity and should know better by now. Get this company in line with practices that are good for the public. The government, banks, and education systems made this a problem. The LEAST they can do is not be awful about it and treat people with respect.
Company Response:
State: TX
Zip: 75219
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: THEY CALL AT ALL HOURS. NAME IS GILA CORPORATION. I DON'T OWE THEM ANY MONEY.
Company Response:
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/2019 I submitted all the correct forms and documents for my Income Driven Payment Plan including my tax return and pay subs which were all up to date and printed clearly. At XXXX this morning, I received a statement that the documents were not properly sent, the information was illegible and that I would have to file again. But when I called today at around XXXX XXXX, a service representative said that this time I could just write down my gross income on a blank piece of paper, in my own handwriting, send that in and it would be accepted ... They're going to take my word and a signature on a piece of paper to officially verify my information as an official document for my payment plan. When I asked if I could send it in the mail officially, the service representative seemed hesitant to let me do that. They are purposely prolonging the period so that I will have to pay the full amount. They are almost completely impossible to get a hold of. Whenever I send in documents like my name change and official documentation for that, they either claim that they didn't receive it, or it was ineligible. They have still not updated my name change, even though I have submitted that in early XXXX. I am tired of submitting the same documents, which are faxed clearly and are marked as received from my fax machine, only for them to say that they are processing my return two weeks later, and then replying that my loans have been denied for the same information two weeks after that.
Company Response:
State: WV
Zip: 262XX
Submitted Via: Web
Date Sent: 2019-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A