Date Received: 2019-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: SALLI MAE NOW NAVIENT WAS DELETED FROM ALL CREDIT BUREAUS LONG TIME AGO. RECENTLY THEY RE-INSERTED THIS DISCHARGED LOAN WHICH SOL EXPIRED AND HTEY FAILED TO GO TO THE MEETING OF THE CREDORS IN XX/XX/2018 BK XXXX. LASTLY ARE AWARE THAT THIS DEBT WILL CAUSE FINANCIAL HARDSHIP, DUE TO THAT FACT MY HUSBAND IS XXXX AND I BEING XXXX XXXX XXXX.
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2019-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: To Whom It May Concern : ALL XXXX AND Navient Accounts are too old for reporting to the credit bureau 's and for collections, according to federal guidelines. The date of delinquency is incorrect ; no proof of payment made has ever been provided. The accounts were never paid on, before XXXX acquired them from Navient, and before Navient acquired them, when they were with previous owning companies. Please, remove these from my credit reports ; I have tried, and it's becoming a legal matter. Thank You for Your Time, XXXX XXXX XXXX XX/XX/1980 XXXX XXXX XXXX XXXX XXXX XXXX Lot XXXX XXXX , Texas XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I was out of a job for 4 months and I couldn't afford to pay my student loans, I called Navient and they told me I don't have any forbearance on my private loans, so I had no choice to let the loans go 90 days past due. When I found a job in XXXX, and caught up on my other bills, I decided to call Navient to get my loans back current. The amount they wanted me to pay was something I couldn't afford, so they told me I can qualify for a rate reduction program, I gave them the information they asked for to see what my reduced monthly payments would be. After giving them this information and a payment, I was told that the account will become current after 3 months of successful payments, and the past due would be added to the loan. I agreed. While in this 3 month trial, Navient is sending out letters to my co-signers and references stating that if they don't make the past due payment, they will report the account as delinquent to the credit bureau which will affect their credit. How is this possible if I'm making payments? Why are you sending letters to them and not me? Is this a tacit to get more money to Navient? Why is Navient preying on my co-signers after setting up an arrangement with me?
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-07
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: This company Navient sets unrealistic payments. They want me to pay nearly 400.00 a month and the only other option they will give me is to be put on deferment or forbearance. It is a scam. They do this to rack up over 90.00 a month in interest on my account. I offered to work with them to give them a payment I can afford so that I am making some kind of payment, but they refuse. They are so eager to put me on a deferment to accrue the interest. Its also worth noting that they bought out my original student loan. I also read online about a forgiveness for those who went to XXXX XXXX because of their shady practices and I couldnt get anyone to even talk to me about it. XXXX XXXX cancelled my program and I was not able to get a education but Im left with the bill. And now I cant even pay the bill because Navient cares only about racking up interest at 90+ dollars a month.
Company Response:
State: FL
Zip: 34714
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-07
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have private student loans with Navient which I have been struggling to pay because of their request for a high monthly payment and have also struggled to secure a secure salaried job. From XX/XX/XXXX to XX/XX/XXXX I was a XXXX XXXX XXXX and was not able to continue making the monthly payment amounts they were requesting. I made payments while in service as a United States XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I was sent a summons by Navient 's debt collector agency called XXXX XXXX XXXX XXXX XXXX, XXXX, which is presented as a law firm. I went to court on XX/XX/XXXX and agreed to a repayment plan of {$45.00} a month until XX/XX/XXXX. My concern is the total amount of loans I have with Navient will be placed with the collection agency XXXX, XXXX XXXX XXXX XXXX, XXXX and I would like to have a feasible repayment plan for the total amount of student loans I have with Navient.
Company Response:
State: IL
Zip: 60608
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-07
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I had been claiming both Economic and Education Forbearance during my time with Navient. As of XX/XX/2018 I paid a settlement with them for my education and the continue to keep a delinquent status on my credit bureaus, even after I had provided both documents with a notarized bank settlement and school records for when I was in school claiming my forbearance. They have multiple times have denied me access to find a representative to explain to me who to speak with, and in XXXX I found out they had an Advocacy center to handle the problem, in which I provided the documentation to them. My credit bureaus have sent me emails that stated that they have disputed the negative items and they are just not working with the. I as a consumer have not been treated fairly and I need action.
Company Response:
State: IL
Zip: 60714
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: As part of my student loan record Navient is listing me as delinquent from XXXX thru XXXX of XXXX. Navient isreporting 90, 120, 150, and 180day delinquencies to the credit bureaus as past due during this period. Moreover, they allege I owe late fees totaling XXXX XXXX from these delinquencies. The former isnt possible as there were forbearances in place from XX/XX/XXXX to XX/XX/XXXX ( Sallie Mae ) and from XX/XX/XXXX to XX/XX/XXXX ( Navient ) respectively. Therefore the alleged associated late fees are a fabrication. Relevant History On or about XX/XX/XXXX Sallie Mae announced their reorganization and introduced Navient. Knowing I had a forbearance in place that needed to be renewed, I made numerous attempts to contact and register with Navient with no success. There were NO communications from Navient regarding the status of my forbearance, just standardized emails regardless of my many attempts to contact them. In XXXX of XXXX I sent an email to Sallie Mae requesting help, but didnt receive a response. In desperation, I requested help from the Student Assistance Corp, received a response in XXXX of XXXX but unsure I was just walking into another problematic student loan service provider continued to pursue Navient options. Navient finally responded to an email that I sent in XXXX of XXXX requesting forms for a deferment, a forbearance renewal, or to apply for an IDR plan. In their response they do mention an IDR option, but their focus is on deferments and forbearances. And their IDR information misrepresents the option and its requirements indicating ; If you meet the federal definition for partial financial hardship, you may qualify for a reduction in your monthly payment under this plan... There is no mention that under an IDR plan the payment could be zero, which is what I needed at the time. Moreover, there is no mention that the IDR option could lead to loan forgiveness. Renewing the forbearance option was pursued, and in XXXX of XXXX Navient sent their Notice of Forbearance Approval. The Forbearance ran from XXXX of XXXX to XXXX of XXXX consecutively from the earlier forbearance. Therefore there couldnt be delinquent payment ( s ) from XXXX to XXXX of XXXX as Navient is reporting to the credit bureaus. This would have been covered by the forbearance or administrative forbearance as indicated in their XX/XX/XXXX email. It was through contacting StudentLoans.gov that I learned the real value of an IDR plan. The first IDR plan was applied for, approved, and implemented in XXXX of XXXX. Two years were lost when I could have been on an IDR plan due to Navients negligence and misleading communications. In support of my complaint I can send copies of emails to/from the parties confirming my above statements are true. P.S. On XXXX a follow up complaint was registered with Navient via email regarding the alleged delinquencies. Typical of Navient ; to date I havent even received an acknowledgement.
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-07
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have concerns of Navient. I see a lawsuit against Navient and I question my loan amount often. Seems as if I had numerous florescence 's done on my account. I can recall 2 maybe 3, however, seems as if some were initiated without my consent. My amount seems to have been the same for the past 13 years. I have been paying it down, however, would like to know if this company is legitimately honest ( since reading about lawsuit ).
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The original debt was charged off to my credit report was in the amount of {$4000.00} around 4 years ago. Since that time I've continued to received emails stating they're willing to settle the debt at a lower amount ( see email below ). I reached out to the company multiple times on XXXX XX/XX/XXXX to inquire about the settlement offer. I was told by multiple representatives that although the account was charged off years ago the company has continued to charged the account interest and now I states I owe {$11000.00} which they placed on my credit profile recently and that they're settlement offer would be {$4700.00} which was the original loan amount, or I can pay {$1100.00} down and start back making monthly payments on a debt that was charged off. This seems to be inconsistent with the law and or illegal/unfair interest that has accumulated after being charged off. I would like to make a settlement on what was charged off on my credit of the {$4000.00} with the understanding that I am making an attempt to correct mistakes I made but not to unfair collecting practices and illegal interest being added. Your help in correcting this issue would be greatly appreciated. Received XX/XX/XXXX On XX/XX/XXXX you borrowed money from Pioneer Services. At that time, you signed an agreement and committed to pay back the loan but you did not honor your commitment and your account was charged off as bad debt. We understand you may be facing some financial challenges. Thats why were reaching out to you today to make a settlement offer on your outstanding loan. Were willing to accept an amount less than the total balance in order to settle your debt. If you take advantage of this offer and pay the agreed upon amount, we will report to the credit bureaus that your loan has been settled in full. * Please call XXXX-XXXX-XXXX-XXXX to discuss your options with one of our team members. This is a time-sensitive issue and requires your immediate action, so please give us a call as soon as possible.
Company Response:
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been making payments thru the Navient website and the money comes out of my bank account but it does not show on my Navient account. Navient sends me emails saying thank you for your payment and your payment has been received but again the money is never posted on my account. In order to talk to a live person you have to sit on hold for 30min.
Company Response:
State: IL
Zip: 61350
Submitted Via: Web
Date Sent: 2019-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A