Date Received: 2019-06-17
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I have received multiple calls regarding loan forgiveness programs that are available with the settlement of the Navient lawsuit. From my understanding this seems to be a scam. I'm not sure how I need to handle this but I am getting multiple, harassing phone calls. They ask for very specific information and try to charge a fee for their " services. ''
Company Response:
State: NC
Zip: 27284
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-16
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: For more than a year, I have been making regular monthly payments on time but suddenly my monthly payment jumped to almost {$1000.00} which I am unable to afford as a father of XXXX. I have communicated with the borrower that I will like to maintain the regular payments that I was making before but they won't allow. Effort to reduce the monthly payment has been unsuccesful as both the application and submission process has been confusing. Now I am in forbearance, I want to keep the payment that I was making before. I need help. I am a father of XXXX, I can not afford $ XXXX monthly.
Company Response:
State: CA
Zip: 94601
Submitted Via: Web
Date Sent: 2019-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient is my student loan servicer. Here is what happened : On XX/XX/XXXX I set an " overpayment '' of {$500.00} to my direct, unsubsidized loan. On XX/XX/XXXX I set an " overpayment '' of {$500.00} to my direct, unsubsidized loan. I am currently on monthly " autopay '' and noticed that the {$1000.00} did not go toward an overpayment toward my load on those two days, but instead went toward the MONTHLY payments. As a result, {$1000.00} went toward MONTHLY payments, for several months in advance. This way Navient used all of my {$1000.00} overpayment for INTEREST, or company profit, rather than the PRINCIPAL of the loan I'm trying to pay off. Pasted below in this message is my payment information since XX/XX/XXXX, showing that the two overpayments of {$500.00} resulted in NAVIENT NOT charging monthly autopayments after my two overpayments of {$500.00}. Please keep the pasted payment information so that other graduates can see exactly what this looks like, for themselves. Desired solution : If possible, I would like to re-allocate the excess {$1000.00} to the PRINCIPAL of my loan, so that it does not touch Navient/Interest. I've contacted Navient by email about this issue as well. Research about this Navient loan servicing problem : I've found that my exact scenario is one of the reasons that CFPB sued Navient in XX/XX/XXXX: The second quote, from " XXXX '' describes my scenario. XXXX XXXX XXXX " Borrowers aiming to get ahead on their loans by making extra payments may also have been burned. The suit alleges Navient often processes such payments incorrectly, resulting in late fees, interest charges and negative reports being sent to credit reporting agencies. " " For federal student loans, regulations stipulate any extra payment goes first to outstanding fees ( like late fees ), then to interest accrued since your last payment, and then to the principal of the loan, said XXXX XXXX, director of consumer outreach and compliance for XXXX XXXX XXXX, a nonprofit focused on higher education financing. Sometimes private loan servicers will apply any over-payment to your next months payment instead of the principal, XXXX said. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Due Date Amount Status Auto Pay Show more information 1-03 Direct Loan - Unsubsidized XX/XX/XXXX {$0.00} Scheduled Total Current Balance : {$10000.00} View all Loan Details Please note : This is an attempt to collect a debt and any information obtained will be used for that purpose. Recent Payments Date Amount Status Coming From Show more information XX/XX/XXXX {$110.00} Auto Pay Bank Acct XXXX Show more information XX/XX/XXXX {$110.00} Received Payment was received -- Show more information XX/XX/XXXX {$22.00} Received Payment was received -- Show more information XX/XX/XXXX {$500.00} Received Payment was received -- Show more information XX/XX/XXXX {$500.00} Received Payment was received --
Company Response:
State: WA
Zip: 98119
Submitted Via: Web
Date Sent: 2019-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-16
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Navient calls me day and night, almost every 15 minutes. They not only harass me but my father as well who co-signed the loan. I am currently enrolled in XXXX school full-time, and my loans were in deferment. I have 2 years left of education before I even begin to make a salary of any kind. I have blocked their phone calls, but they call from a new number every time.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2019-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am so frustrated at the lack of care and responsibility taken to fix a problem that happened because Navient wasnt doing their job correctly and clearly violated my instruction and legal language on how to apply my payments. On XX/XX/XXXX I made an overpayment of {$2200.00}. This was my first overpayment ever on this loan. After looking at my account on XX/XX/XXXX I saw that Navient advanced my payment, even though I directed the payment not to in their Direct Overpayment section and while having my account preference set as the following in quote. " Overpayment Directions Allocation Direction : Lowest Current Balance Billing Direction : Bill me for my full monthly payment For your loans in Auto Pay, your Auto Pay payment will always be for the full Monthly Payment Amount, and will continue to be deducted monthly. Can we note the ALWAYS in this quoted section on my account. At this point I called their customer service and a rep said I " directed overpayment appropriately and correctly when making the overpayment on XX/XX/XXXX. I asked " then why did you advanced my account? '' She said I dont know. I mentioned at that time there is no " XX/XX/XXXX, which is the normal payment due date, date listed as pending or processing on my summary in my account. I said this because I have on my account to bill me for my full month, as mentioned above. And as of XX/XX/XXXX Im technically late on my payment and will start incurring fees. She said she was going to make a manual payment of {$300.00} and honor that it was made on time, XX/XX/XXXX because of Navients error. She made this payment when I called on XX/XX/XXXX. On XX/XX/XXXX I looked at my account and Navient charged me TWO charges of {$300.00}! One on XX/XX/XXXX and one on XX/XX/XXXX. Overdrafting my checking account to - {$110.00}. I called Navient customer service immediately after seeing this. XXXX said that I had to submit photos of my bank account showing that Navient charged me twice to the upload inbox in my account. I did so immediately. She said she would expedite the request because they overdrafted my account. Today, XX/XX/XXXX, I see that Navient removed the XX/XX/XXXX charge and left the XX/XX/XXXX charge in the summary on my account. However I still have NOT received the improperly pulled Second charge of {$300.00} back into my bank checking account. The second issue also happened today XX/XX/XXXX. This morning I got an email saying my a snapshot of your monthly statement payment on XX/XX/XXXX will be {$210.00}. My normal fixed payment is {$300.00}. Logged in my account today, XX/XX/XXXX, says I will be paying {$300.00} on XX/XX/XXXX, which is my normal payment. My payment should not be anything more or less than {$300.00} because that is my normal payment that is agreed upon when submitted my IDR. My concern is that when I made an overpayment and Navients customer service advanced my payment, which my instructions said explicitly not to do and their customer service rep said that I correctly directed the overpayment on [ my ] end., on top of them making a manual payment of the {$300.00} and allowing another charge of {$300.00} to pull out, has now messed with my normal payment. Their lack of care and urgency in fixing an issue that was clearly explicitly disregarding written rule on my account with the following instruction : " Overpayment Directions Allocation Direction : Lowest Current Balance Billing Direction : Bill me for my full monthly payment For your loans in Auto Pay, your Auto Pay payment will always be for the full Monthly Payment Amount, and will continue to be deducted monthly. Is unauthorizable, criminal, and unjust. And I demand answers.
Company Response:
State: WA
Zip: 98022
Submitted Via: Web
Date Sent: 2019-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I presently have four student loan accounts with Navient. All four of these accounts were originally opened with Sallie Mae under the title of 'Smart Option Student Loan '. Thereafter, the accounts were assigned to Navient without notice. All four of these accounts are now incorrectly reporting missed or late payments in XX/XX/XXXX and XX/XX/XXXX ( totaling 8 missed/late payments reported ) despite my diligent efforts to have Navient correct these errors. On two occasions through XXXX and on one occasion directly with Navient by mail, I have asked Navient to correct these reporting errors that are clearly contrary to the terms of our Promissory Note. Pursuant to the Promissory Notes of these loans ( see attached ), repayment of these loans was to commence after the 'Interim Period ' described in the Note in Section B ( 1 ) ( a ) as " ... approximately six months after the date the student borrower graduates. '' Additionally, according to Section D ( Terms of Repayment ), Navient was required to send me a statement setting forth the repayment schedule on or before the date of repayment. ( See Section D ( 4 ) ). To date, no such repayment schedule has been received electronically or by mail. Further, I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX, New Jersey in XXXX of XXXX. Accordingly, as the 'School Period ' of the 'Interim Period ' had ended at that time, the 'Separation Period ' had thereafter begun. ( See Section B ( 1 ) ). The Separation Period should have lasted until XX/XX/XXXX under the terms of the Promissory Note described above. However, contrary to this agreement, without notice, Navient began attempting to collect on full monthly payments in XXXX of XXXX. When I discovered that Navient reported late payments to the Credit Bureaus in XX/XX/XXXX of that year, I immediately took action on my account and began repayment while also attempting to dispute the subject of this present Complaint directly with Navient. To date, Navient has been unwilling to correct the clerical error that led to my account coming due before the agreed upon period and that ultimately led to the missed payments. Navient 's failure to correct this error is also a violation of Section R of our Promissory Note ( Correction of Clerical Errors ). In closing, Navient has acted in bad faith at every stage of repayment and the language of our agreement clearly shows that the 8 missed or late payments reflected on my Credit Reports should be removed immediately.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2019-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been trying to deal with Navient for the past 2 years, and Sallie Mae ( when it used to own my loans ). I was initially told by Navient that my loans would qualify for loan forgiveness if i met the 120 payments starting 2007. its been over at least a year since i have fulfilled this requirement, and they are not telling me the following : initially, i was told that because of the kind of loan repayment, that i did not qualify for the loan forgiveness, now i'm being told that the kind of consolidated loan that i have does not qualify because it is not a Direct Loan, which was the kind of loan that i initially had before i consolidated it per their advise. Navient is creating different barriers to avoid the loan forgiveness ... and relabeling a loan so that the 'kind ' of loan is not satisfied even though all other criteria is met. this is ridiculous.
Company Response:
State: CA
Zip: 90278
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: For the last 2 years I've been trying to get the correct amount to pay my loans based on an income sensitive repayment plan. Since XX/XX/XXXX when I was laid off from my job I've been trying to get the monthly payment. I applied for Unemployment deferment but Navient didn't finalize the deferment because they say my husband didn't co-sign on fsfa.gov. Even though he had done so in XX/XX/XXXX. Once I found out in XX/XX/XXXX that the loans weren't deferred, we applied again in XXXX & finally Navient got the information to defer. Interestingly, I have 2 emails from Navient in XXXX & XXXX stating that it's taking longer than usual because of volume to process the first deferment request. And then they said they didn't receive the co-signed information. I talked with someone via phone at the Dept of Ed & they had the online completed co-signature and I have an email with the information regarding this call on XX/XX/XXXX. A new paystub was entered with the new income amount. I was told that Navient had all that they needed. I received a letter amount a month & a half later with the payment amount of {$790.00} due per month. Of course I was floored as I've never paid more than {$270.00} per month for all three loans that I have. I applied again for the income sensitive repayment as I was told via mail that I no longer qualified for this type of repayment plan. I then followed up with a phone call to Navient 's customer service line to state that the payment amount must be wrong given that I was in an Unemployment deferment, income was half of what I'd been receiving before & that I kept being deemed ineligible for a repayment plan that I'd been eligible & deemed ineligible for previously. Navient kept saying that they would expedite a determination & get the payment amount. A couple of months later, I still didn't have a payment amount. I'd asked them to expedite this again & I'd still been in unemployment deferment because of the earlier issue even though I'd gotten employment again after being unemployed for 5 months. I asked them to do the recalculation of my new employment right after the Unemployment deferment took affect. By XXXX, I received a letter from Navient stating that my new payment was again {$790.00} which coincidentally was the same as I'd received about 6 months before. I had anticipated that it would be about double as our income had doubled, however, I didn't anticipate an amount of almost 3 times the previous amount I'd paid given that we only made $ XXXX more. Of course, I'd called Navient again & asked what was going on. By this time ( XX/XX/XXXX ) I'd been let go from the company I'd been employment for & applied again for Unemployment deferment in XX/XX/XXXX. Two weeks later I uploaded the Unemployment deferment form. My husband co-signed online & I uploaded the new income. I received a letter stating that that they'd denied the Unemployment deferment as they didn't receive information that my husband co-signed for the 2nd time. Then I got an email from the Dept of Ed stating on XX/XX/XXXX that my husband had co-signed successfully. I got a letter a couple weeks later from Navient stating that my husband had applied but that I hadn't. Not sure why I got this as I'd applied before my husband. I got another letter from Navient stating that the new amount was again {$790.00} due on XX/XX/XXXX. I have communicated with Navient once a month for the last 2 years to get this straightened out & I still can't get resolution.
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I set up an automatic payment schedule with Navient in XXXX they never adjusted my due date resulting in 7 months of late fees with interest that accrued daily. I had requested to listen to the phone call when I set up the payments and they refused, I had managers state I was current and I was not. The company steered me towards multiple forbearances and misapplied my payments resulting in hundreds of dollars in late fees from daily late fees. the representatives stated automatic payments were different than recurring payments both automatically withdraw from checking accounts, very confusing terms I believe intended to trick consumers. I have already paid back over {$34000.00} in federal loans and I am not trying to hide from my responsibility to pay back my loans, they mislead me multiple times costing me over {$2000.00} in unjustified fees. I only owe them {$12000.00} and they keep giving me false information resulting in my loan staying the same. I
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-14
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: XX/XX/XXXX- • Student loans were sold from one loan servicer to multiple- this is where my confusion started • All together I had 14 public student loans. o 10 student loans were sold to one servicer- Navient o 4 of the other loans were lost- Navient was not the servicer XX/XX/XXXX-XX/XX/XXXX • I was paying on the Navient loans • I was not paying on them consistently because of financial stability • My mother was helping pay on the other 4 loans- also not paying consistent because of financial stability XX/XX/XXXX-XX/XX/XXXX(XX/XX/XXXX) • Financial stability sustained and paying consistently on Navient student loans • My mom communicated with the company that was servicing the other 4 loans to reach out to me in order to get payment plan set up with those loans • I never received any phone calls from this company—I have proof that the company did not have the correct contact phone number on file • During this time I also had a baby so that my mind was not tracking to follow up with the company with the other 4 loans outstanding XX/XX/XXXX(XX/XX/XXXX) – Present • In XX/XX/XXXXI received notification from employer that my wagers were to be garnished starting immediately • There was no notification via phone or email that this was going to occur • However, I did receive a letter from Pioneer Credit Recovery Agencyo The issue with this that I had no clue the letter from this company was important because I had never worked with that Agency in the past and I thought it was junk mail o The letter is very generic- no warning on the outside of the letter • I did receive letters from the Department of Education communicating the balance of my loans o However I thought those letters were statements of my current loans with Navient- Navient being the servicer paying back the Department of Education for my loans • Once I got notification from my employer that my wages were to be garnished starting immediately I contacted Pioneer (because it was on the notification email) • Pioneer did not have the accurate phone number on record (therefore they never called me) • Pioneer did not provide me any time to dispute the garnishment or to come up with other payment options • Currently they are garnishing my wages by 14% per pay period which results in XXXX dollars a month • Pioneer tells me that I have payment plan options… but only on top of the garnishments • Pioneer tells me that there is no way I can get my Student Loans out of default status because they are non applicable for rehab • Because my Student loans are in default I cannot consolidate, because my Loans are in default they care applicable for Rehab • Therefore I cannot stop wage garnishment Overall, I do not believe that Pioneer provided me with adequate notification of wage garnishment. They should have called or emailed me and spoken to me in real time. Also I believe that they should have sent a pre- warning to my employer for the wage garnishment, so that they could have warned me as well. Pioneer is not providing options to help me get the wage garnishments to stop other than paying on top of the garnishments. Currently I do not have the financial capabilities to do this, honestly, the garnishments are causing significant financial stress on me and my child.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A