Date Received: 2019-06-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I would like to join any lawsuits against XXXX University, XXXX XXXX, Navient and XXXX XXXX. I am a XXXX XXXX student that is being harrassed to pay Navient {$36000.00} for a useless degree.
Company Response:
State: FL
Zip: 33572
Submitted Via: Web
Date Sent: 2019-06-25
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: I was trying to consolidate my student loans into a single loan. However, due to an issue with the paperwork from my school to the XXXX XXXX XXXX, only my XXXX XXXX loan showed me as graduated while my other 8 XXXX unsubsidized loans took an additional 2-3 weeks to show me as graduated. In the interim, I had applied for consolidation through the department of education website. Shortly after, I received a notice from Navient stating that 8 of my loans could not be consolidated due to the " in school '' status. However, instead of stopping there, Navient " consolidated '' my XXXX XXXX loan by itself, which did not actually combine any loans together but did raise the interest rate on this loan by 0.025 %. When I called them, they said that the notice sent to me states that I could have chosen to not consolidate the single loan and that since I did not opt-out within a few days of receiving the notice, they would not undo my loan/return the interest rate to its original amount for when I eventually consolidate all of my loans together. However, their notice is not as clear about this as they claim. When they said I have the options to remove loans from my consolidation, I think it is natural to assume they meant I could remove the loans that were unable to be consolidated due to " in school '' status. Also, I think it is predatory to " consolidate '' a single loan ( which simply raises the interest rate ), and that I would have to opt-out rather than opt-in to this action that only worsens my interest rate without any benefit.
Company Response:
State: FL
Zip: 32224
Submitted Via: Web
Date Sent: 2019-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-25
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: XXXX XXXX XXXX financial aid offices would routinely call students to inform them that their student loans had run out and pressure them to take on more debt. The bill for a two-year XXXX XXXX could run as much as {$90000.00} and leave students with little to show for it. I was told when joining the school that I had enough loans to sustain me but after I attended school under a year, I was told I needed to take out a private loan to stay in school. This was fraudulent on behalf of Navient and the school and after much research, I've discovered I am not the only one affected. At the time, the loan service was named Sallie Mae but Navient has brought their loans so I am paying them back. I am currently in the queue with the Borrowers Defense Program for my Department of Education Loans because many of XXXX XXXX XXXX campuses have been closed due to its fraudulent and misleading tactics. I feel Navient/Sallie Mae is equally responsible because they were fully aware of the school 's tactics and helped convinced me the loan was needed. I was only XXXX years old. Loan Amount I was told I needed : {$14000.00} Disbursement Date : XX/XX/XXXX Current Balance as of XX/XX/XXXX : {$12000.00}
Company Response:
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2019-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I graduated in 2018 from a XXXX College. XXXX XXXX College/XXXX. *I got NO support for Cirtification Testing or my studies durung their program!! *I have a cirtified XXXX XXXX. *I told the school UP FRONT during their enrollment interview that I needed XXXX XXXX XXXX accomidations!! *The school promissed to give me XXXX accomidation help. *They failed to help get me accommodations. They did not have any!! *Navient is the private loan holder. The original loan was for {$1000.00} XXXX College did not inform me of student aid at first, and signed me up for a private loan!! This private debt has been assigned to various collection agencies. **I gave the last agency a lump sum of {$400.00}!! Plus ... small instalments.None of which went toward principle of the {$1000.00}. Navient has the debt up to {$4000.00} NOW!! I have XXXX XXXX am on food stamps and live in Public Housing, and Do Not Work In The XXXX Program I Attended The As XXXX XXXX!! * I Also OWE {$20000.00} + In Federal Student Loans To a Servicer. From This Fraudulent Co. *I Am A Responsible Person!! This School is So Fraudulent, They Were Closed For Making False Promises!! *I Have Firmly Asked Navient and Thier Collection Goons For Hardship. NOTHING!! The Interest Continues To Rise!! I Want RID of This Debt!! PLEASE HELP!! Ps. My claim is too OLD to be forgiven through the class action law suit towards XXXX Colleges. Pss. I have seen 2 lawyers.No help Pss. Their is borrowers defense. I have Not Got Any Help For This Private Debt or Federal!!
Company Response:
State: OR
Zip: 97203
Submitted Via: Web
Date Sent: 2019-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-25
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: openedXX/XX/2011, amount owned {$4800.00}
Company Response:
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Navient has given misinformation about my loan, they send several emails a day all with misinformation. Navient calls and emails me several times a day although I have provided proof I am enrolled full time in school until XX/XX/2020 XX/XX/2020
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I thought ALL of my student loans had been consolidated but one had not. I contacted Navient and was informed that the loan was in default and had been sent to collections through XXXX XXXX XXXX. I called and tried for weeks to get someone that could help me take care of the debt. After NUMEROUS calls and leaving my phone #, I was finally able to speak to a representative. She informed me of my options, one being paying {$9100.00} to payoff the debt, and I told her I would get back to her within the next 2 weeks. I have tried now for over 3 weeks to contact XXXX, I have left a contact # everytime to receive a call back, and STILL have not received a response or call back. Not even a missed attempt!!! I would like to get this paid off at the {$9000.00} I was originally quoted but no seems to be able or willing to help. INFURIATING!!
Company Response:
State: ID
Zip: 832XX
Submitted Via: Web
Date Sent: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello I made a payment on Friday XX/XX/2019. I spoke with XXXX XXXX. I asked her if I was going to be reported late to all three credit agency 's and she advised no if a payment was made that day. I can not afford the student loans payments all! it is causing a hardship for me and my XXXX. I'm trying to get into affordable housing and this false reporting is hurting my credit and needs to be corrected ASAP.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been in repayment for my student loans with Navient ( formerly Sallie Mae ) since XXXX. I was told by a XXXX XXXX representative many years ago that after 25 years my loans would be forgiven. After I was told this, I wanted to verify it with Navient and the representative there lied and told me my loans would never be forgiven. Recently I received correspondence from Navient stating that after 25 years of " qualifying payments '' my loans would be forgiven. I sent an email requesting to know when my loans would be forgiven since I am nearing the 25 year mark and I was told it wouldn't be until the year XXXX. I am wondering why Navient did not disclose to me what the requirements are for " qualifying payments '' so that my loans could be forgiven after 25 years. My balance is now over {$300000.00} after years of interest growing at over 7 % and now they want to continue charging me interest until XXXX. Navient should have let me know what I need to do to meet the requirements of making " qualifying monthly payments '' so my loan could be forgiven after 25 years. I feel they have really taken advantage of me and are trying to make as much money off of charging me interest that they can.
Company Response:
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I asked for in school deferment as I had two XXXX online courses - the one with XXXX was the only one I requested to be considered. Navient was slow in sending the forms after they agreed to send them in XXXX - the course ran from XX/XX/XXXX to XX/XX/XXXX. In XXXX they finally sent the forms which I promptly filled out and sent back to them. They have never responded about the disposition of my request, instead they continue to demand payment even as I have sent them a payment - {$50.00} XX/XX/XXXX - and am send another today, as I have agreed to do since XXXX. Now Navient is threatening Litigation with their legal network partner ( unnamed ). XXXX XXXX - VP of XXXX XXXX XXXX appears to not recognize that I have agreed to continue making payments. This has become so typical of Navient 's total disregard for my responses, requests, and remittances. Furthermore, over the years there has been a complete unwillingness to provide year to date total of payments made. Their unwillingness to be transparent makes coming to any settlement, which they offered at a 90 % payback on approx. {$3600.00} is not possible for me at this time and is greatly beyond what most creditors would conisder a " mutually discomfortable '' arrangement. Attached below is a recent Navient notice XXXX XXXX, here 's a friendly reminder that your Monthly Payment is due soon. This is not a bill. Your Monthly Payment ( s ) for the private loan ( s ) listed below is due on XX/XX/XXXX: XXXX XXXX in the amount of {$390.00}. Please note that this email does not include all information depicted on your statement. We highly encourage you to review the entire document by logging in to your account, as it has additional pertinent information related to your loans. You can view and print your monthly billing statement ( s ) by accessing your inbox. Ways you can pay Online : The fastest way to make a payment is by visiting Navient.com. With our mobile site, it's easy to pay on your smartphone, too. By phone : Call us at XXXX. If you are enrolled in Auto Pay the amount shown on your statement will be debited from your designated bank account. We're here to help Visit us online or give us a call at XXXX, Monday - Thursday XXXX XXXX to XXXX XXXX, and Friday XXXX XXXX to XXXX XXXX, ET. 1The payment amount ( s ) listed above reflects the amount due as of the date of this email. Please log in to your account at Navient.com to view your minimum payment due. Please do not respond to this automated message. Emails sent to this address are not monitored. Privacy | Terms of Use 2018 Navient Solutions , LLC . All rights reserved. Navient and the Navient logo are registered service marks of Navient Solutions , LLC . Navient Corporation and its subsidiaries, including Navient Solutions, LLC, are not sponsored by or agencies of the United States of America. XXXX XXXX
Company Response:
State: TX
Zip: 78212
Submitted Via: Web
Date Sent: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A