Date Received: 2019-06-14
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I verbal confirmed a a loan payment with Navient on XX/XX/19 for XX/XX/19. After that I received multiple auto-dialed calls everyday multiple times a day eventhough there were notes on my account specific to a scheduled payment for XX/XX/19. In addition I received multiple auto-dialed calls where I picked up and there was no response from the lender representative but just a hang up. On my XX/XX/19 call I asked Navient to remove me from any auto-dialed calls and put in a complaint for the calls I received where there was no response and a hang up on their end. As promised I made a payment on XX/XX/19 at XXXX XXXX EST. I received another auto-dialed call on XX/XX/19 at XXXX requesting a payment which was already made. The Navient representatives because of auto-dialer are totally disregarding any previous notes, complaints, or payments that are posted and recorded on my account. This latest representative call again through a auto-dialer without reviewing his notes and told me when he looked that he could see my payment and had no answer as to why he was calling ... he then tried to rush me off after I asked why his company continues to call after I requested to be removed from auto-dialed calls and placed a previous complaint. In addition my consigner whom now lives on the west coast in XXXX XXXX continues to get cell phone calls during EST time, where they receive a XXXX XXXX EST call at XXXX XXXX PST their local time, which I believe is illegal - especially using auto-dialed. Can someone please assist here? This is blatant harassment and I need someone to step in and find or penalize Navient for their ongoing harassment when trying to collect on my student loan.
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I inquired with Navient, my current loan service provider, in XXXX of XXXX about Public Service Forgiveness. At that time I believed I was under student loan forgiveness, under President Obama 's order. I was informed that I was not. I was put on the path by NAVIENT to consolidate my student loans under a new program that qualifies for public service loan forgiveness. I did everything I was asked to do and provided all information I was asked to provide in order to be considered for student loan forgiveness as a public servant. I have been a public servant since XXXX, long before this order was issued by the President. Two years later ( XX/XX/XXXX XXXX I discovered that I was not under the appropriate " Income Based '' loan and that I was not under " XXXX '' and I had not made a single qualifying payment out of the 120 payments they told me I would have to make. I made at least 20 payments as of this date - in fact I make a payment every two weeks on a Friday without fail. I have spent approximately 15 hours in phone conversations with either NAVIENT, XXXX or FAFSA concerning this situation. I believe I have been mislead along the way and have been misinformed as to the results of my efforts and payments. I have paid over {$7300.00} in the last two years towards student loans, I still owe {$34000.00} of which I pay {$130.00} every two weeks, wherein {$88.00} goes to interest and {$50.00} goes to principal.
Company Response:
State: TN
Zip: 37716
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Hello, I went to XXXX XXXX XXXX out of the XXXX XXXX Airport in California. I have been paying since XX/XX/XXXX the amount was {$70000.00} now in XXXX I have never missed a payment and the amount is {$67000.00}. I really want lower payments and a fixed interest rate. I'm willing to pay but can not afford {$500.00} + monthly payments. I believed I was signing up for a government loan through sallie mea. Turns out it was not what what described to me. Navient is the new loan holder and I have tried many many times to get better repayment or forgiveness. I was promised a job out of the school but never got it and I had to start working ( not in field for the schooling ) just to afford the monthly payments. Even the rate reduction plans are {$500.00} + and Navient wont listen or assist me. I feel trapped and wronged. Please Help.
Company Response:
State: CA
Zip: 908XX
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Received a Federal loan, Sallie Mae serviced in XXXX, for a XXXX Degree Program in XXXX XXXX XXXX. I am proud that I have finished my program and started paying my loans back, mostly through Sallie Mae. I Applied for loan during my education and have made every payment, every month, no late payments for 13 + years. I worked with a non- profit company XXXX XXXX and medical group in New Mexico for 10+ years duration. I called to apply for loan forgiveness, Servicing Company is Navient, the ( debunked Sallie Mae ). I get the run around, they want me to refinance my federally insured loan and state that I am not eligible for loan forgiveness? Thousands of us have gone to school, taking out federally loans and have paid and complied with requirements for loan forgiveness. We serve our communities and people. Shouldn't we get our deserved loan repayment? XXXX, XXXX providers are each day being held hostage to these loan servers. Please help us.
Company Response:
State: NM
Zip: 87123
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Beginning XXXX I have dealt with my current payment situation on almost a monthly basis. I have been paying on my student loans for over 10 years. Throughout that time on usually an annual basis, my information mysteriously goes missing and after a period of time just long enough to get my payment behind Navient miraculously is able to track me down. I have been told that my address was no longer valid even though I owned the home and had lived there for multiple years. I was told that I requested to convert to online billing ( which I did not ). The online billing " request '' event has happened multiple times. It is always just long enough for me to have to pay late fees and catch things up. I have several bills and I work a long hours and I do not always notice if I have received a particular bill that month but I pay everything that I receive. I applied for income driven payments since my payment was more than my mortgage payment. Each year there would be a delay and more costs so I signed up for a 3rd party company to navigate the paperwork for me. I am a full time instructor and have been since XXXX so I enrolled in 10 loan forgiveness. Due to inability of Navient to bill me properly I have now lost 3 years of consistent payments and have to begin at day 1. It all seems like a scam and I feel like I am being punished for wanting an education.
Company Response:
State: FL
Zip: 33810
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I, like millions of other students are impacted negatively by Navient 's reckless and predatory policies. I have always paid my loans on time since I began repaying in XX/XX/2015. Now they are sending me emails stating that I can re-up for the income based repayment plan, but when I call them they state that they send that out to everyone and that I have " used up '' my time. I do not make enough money to pay the amount they are asking for, I hold 3 jobs and am taking on more side jobs just to pay rent, and eat. I explain my situation to them, and all they tell me is " Well we suggest you pay your loans because otherwise we will have to get collections on you. '' They have no feeling or idea how this impacts my life. They have a huge lack of repayment options, and when I tell them I make no more than I did 6 months ago, they say I have no options other than forbearance, which to me is NOT an option. Increasing my already HIGH and ridiculous interest rates is something I am not willing to do. Is this the future I face? Holding debt until my XXXX 's or beyond? I will not leave my debt to my spouse, I refuse to marry or have children as this will have a huge impact on their lives if I die with debt. The interest rates escalate exponentially every 6 months, and there is no end in sight to how high they may go. I am only bringing in est. {$2500.00} after taxes from my main job, and am required to pay almost {$900.00} to Navient, plus an additional {$170.00} for XXXX. My rent is {$1300.00} plus utilities, plus food. I am barely putting money away to save. I tell them what I spend my money on, and they tell me that I am negative balance, and how can that be? They don't believe my struggle, they think I am lying about how much I am suffering financially. " How can you pay my loans? '' I tell them that I hold other positions and they are variable as they are freelance but I do whatever I can do pay my loans, proofread, graphic design, sell clothes, odd jobs for family or friends. After I explain this to them, they just ask for my mother 's bank information to run her numbers. Well they have already RUINED her credit based on egregious errors they have made in the past when dealing with my sister 's student loans. Even after having her contact them with her info, apparently I have no other options for repayment other than just pay in full or forbearance, which again is not an option and just a ploy for them to get you off the phone. What can be done? This is out of control and they need to be put in check. Their employees do not help anyone, and I am so amazed that this evil company can have employees that can sleep at night knowing that they are ruining lives, making people homeless, and putting people in debt until retirement age and beyond. I know because of Navient I will never reach my full potential and obtain my XXXX because even thinking about taking on more loans, or even putting those loans in forbearance while I continue my education adds great stress to my life and makes me angry and sad to think about it. Private loans seem to have NO regulation, and I do not understand why. Navient keeps people down, keeps people in debt, while they rake in the money, and hire people with no souls who clearly do not care about their fellow people or making American truly successful and great.
Company Response:
State: OR
Zip: 97006
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I've attempted to request lower monthly payment amounts without success. When I fist got the loan I only owed about 15K now I owe more than 30K. How is that acceptable? My balance owed has doubled in only 12 years from the time I finished school. Late fees keep adding up. My credit score keeps falling due to higher debt ratio and the cost of living is rising every year. How is someone with an XXXX XXXX supposed to live if they are getting hit late fees and high interest rates that double the date every year? When I first applied for this loan full disclosure of late fees and interest rates where not provided. I was also not advised to apply for fasfa or any other scholarship to help pay for my education without having to turn into loan debt. I'm pretty i was also cheated in the way my payments in the past where applied but the Navient website does not provide that data of course.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: I had a friend ask me to co-sign a loan for her. I agreed to do so and provided my information to her to start the process ; this was in XX/XX/2005. The amount she asked me to co sign for her was {$5000.00}. I did not find out until later, that the my friend had signed my name ( as suggested by the school she was attending ) as the primary borrower on the promissory note. I never signed the promissory note as a primary borrower or co signer. I also never received nor cashed the check. Im unsure if the check even had my name listed as a payee or hers ; I have never seen it. I was out of the country at the time when the check was disbursed. My friend at the time, had a third party ( her boyfriend ) deposit/cash the check in his account. I never saw the check and a copy of the check was never provided to me even upon request. I was not made aware of what my friend had done until I began receiving past due notices and after requesting a copy of the promissory note. I also notified the loan services who was Sallie Mae at the time. They told me I had no recourse and I had to pay. This back and forth with them and her went on for years ultimately with me refusing to pay another dime toward the loan. Eventually they ( Sallie Mae, now Navient ) provided me with a fraud packet which I completed and returned to them. They stated our signatures were similar enough and I provided her with the information so I was responsible even though I never signed any documents. They also would not reopen the fraud case until I provided them with a letter from my friend admitting the fraud. During the course of their investigation they never once spoke to her ( this was relayed to me by the investigator ). Also, Navient stated they would report to the credit bureaus completed investigation of FCRA dispute-consumer disagrees. They have only reported the loan as delinquent. I receive multiple calls a day all week long, threatening default regarding the loan, requesting payment, to verify my payment information, etc.
Company Response:
State: AR
Zip: 72802
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: When I was in school my dad helped me apply for a loan. His friend was able to be my co-signer at the time. Once I graduated, my consigner began to harass me and bully me into releasing him from my loan. I tried to reach out to the company to make it happen but they said that I would have to wait 12 months before applying. Last month my co-signer sent me an email requiring me to remove him as my co-signer by XXXX because he is moving to XXXX and will not contact me. I told him that I have to wait 12 months and he became very angry with me and my family. I have been BEGGING the company to remove him or at least replace him with my dad ( who has offered to do so ) because of the constant harassment I am facing. I don't understand. I have been with this company for years and have always paid on time or told them if I loss my job and need to lower payment. I have a well-paying job and have autopay. Why can't they not ( just this once ) refrain from using their process and help me in a time of need and abuse. I am literally being mentally and emotionally abused by this person and need to remove him before something happens. I am begging my company to just do the right thing since he is moving to another country and won't even help me if something went wrong. Why won't they help me. That is why I have to each out to consumer finance for HELP!
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I tried to make a payment with Navient on XX/XX/19 online. When I went to the website, there was a posting that the site would be down for the weekend for system updates. I called the Customer Service number and received an automated message stating all systems were down for maintenance, including the automated system ; therefore they Customer Service Dept was closed. The call then promptly disconnected. I tried to reach Navient throughout the day on XXXX and was only able to get through the website after XXXX on XXXX. I then submitted my payment. Since my loan accrues daily interest, I called the Customer Service number on XX/XX/XXXX to have my payment pre-dated. I was told that was not possible. I then asked for a credit to be applied to my account for the extra interest I would be charged since their systems were down and I was unable to make the payment when I had intended. I was also told that was not possible after speaking with a manager. During the weekend of XX/XX/19, Navient made thousands, if not millions of dollars, in daily interest charges by not accepting payments from customers during this time.
Company Response:
State: NY
Zip: 10573
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A