Date Received: 2019-06-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Repeated robocalls left on my voice mail on XX/XX/XXXX & XX/XX/XXXX & XXXX & XXXX. There has been no contact at any time by any creditor concerning any debt owed. There has been no contact with the debt collection company other than the repeated robocalls. The robocalls do not identify the debt, the debtor or the creditor. The following is the repeated robocall message left on my voice mail which I consider harassment. " This is an important message from Pioneer Credit Recovery. The law requires that we notify you that this is a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. Call us back today at XXXX. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80919
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: Problem with customer service
Consumer Complaint: My loan goes back to SM in XXXX taken out I believe for XXXX College ( this college is closed now ). I have been making payments since this date. I went on the site and the college they are listing is not my college on the load??? XXXX XXXX College in XXXX. I spoke with an XXXX XXXX who is now researching this. I informed him I am not paying on this loan until I get clarification. He told me I don't qualify for stopping payments and/or forbearance??? I don't trust them now but if I don't pay I'm afraid my credit will be affected!! If the college closes I thought the loan could be dismissed but he also told me it depends on the circumstances. Please help me if you can. I know there have been several issues with Navient ( mine is a private loan ).
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I got my recent credit report and I noticed navient accounts that I did not recognize that had payment history and payments that had no data. I have tried to fix this problem with XXXX over three times but they still report inaccurate information on my credit report. They are violating the fair credit reporting act. XXXX and XXXX have already removed these navient accounts from my credit report because they are reporting inaccurate information reporting payments that I never made and having no data for certain months. I disputed these inaccuracies in XX/XX/XXXX and got my results back on XX/XX/XXXX the results were updated and incorrect payment history still remained on my credit report. I disputed again and the results came back updated and no data still remains on the accounts. I have provided proof of the results. I have gave XXXX over 3 months to correct this error they never once provided me with the documents like I asked I asked them to provide me the proof from the company that I made these payments and the bank that was used to make these payments I never recieved any of these documents.i have spoke with a credit repair lawyer if you the CFPB can not assist me in this I will be forced to file a complaint with the FTC against XXXX and than persue litigation against XXXX for reporting these inaccuracies on my credit report.
Company Response:
State: OH
Zip: 44111
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My wife and I consolidated our private and public student loans back in 2005. The original servicer was Sallie Mae. The servicer is now Navient. Navient informed us this spousal consolidation loan can not be refinanced nor separated by borrower, for purposes of refinancing with another servicer. This " spousal consolidation loan '' is no longer offered ( I wonder why ) nor eligible for any type of refinancing relief. Yet, as a XXXX military vet, I am told a guarantor will be the one to separate the loans for purposes of determining what loans belong to me, and therefore forgiven. Why can't these loans be separated now? We are both in the XXXX XXXX industry and eligible for PSLF. But can not go that route because of the barriers caused by spousal consolidation loans.
Company Response:
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Predatory Student Lending, Request Student loan Discharge and Forgiveness. Request to have student loan discharged or Forgiveness. I believe the XXXX XXXX XXXX practiced Predatory Student Lending. I sent this information XXXX ( see attached letter ) to the Department of Justice in an attempt to get assistance with raising awareness of this schools inhumane practice of getting students to sing up for their classes and then leaving them in student loan debt due to sub par Classes and training. It has been brought to our attention that this school is no longer open. In fact the schools have all but closed due to its misrepresentation to offer a degree and paying job to match its high tuition. There are a few left, but the mail ones from XXXX, XXXX and XXXX have closed. The only number to call and speak to anyone and they dont offer any options to gather transcripts is other than email. There is no one to speak at XXXX XXXX about this situation. I have sent my email request to : from : XXXX XXXX XXXX to : XXXX date : XX/XX/XXXX, XXXX XXXX subject : I need my transcripts please mailed-by : XXXX I await a response, here is the info from the website. Transcripts We have processed XXXX transcript requests to date and have an additional XXXX being processed. If you need transcripts but have not ordered them, please check back on this page after XX/XX/XXXX for instructions on how to do so. If you have an emergency ( i.e. a licensure deadline, a deadline for a company hiring you, etc. ) you may send a follow-up email to XXXX.
Company Response:
State: MO
Zip: 63376
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: On XX/XX/2019 I received a phone call from " XXXX '' with XXXX XXXX XXXX XXXX at phone number ( XXXX ) XXXX claiming to have the ability to consolidate my federal student loan, forgive all interest on the loan ( and only pay on the principal amount ), and have payments as low as {$39.00} a month based on income. Questions were asked including : " is this X person I'm speaking with? '' " Can you confirm that your email address is X? '' and " Can you confirm that your birthdate is X? '' I did not confirm nor deny any of these questions and used that language. This " XXXX '' person was very pushy and told me he can only help me if I help him by answering his questions. XXXX was then told that I would not be answering questions for information he already ( supposedly ) had access to from the federal government. He then apologized for taking up my time and hung up.
Company Response:
State: CA
Zip: 92069
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I did not take a student loan. My ex- daughter-in-law took out this loan. I did not sign anything in regards to this loan.
Company Response:
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On Monday XX/XX/2019. Navient went as far as to contact a friend of mine and ask where I was and if they would deliver a message to me. This was embarrassing and caused much confusion. They are not to call anyone that they do not have my permission. They also went as far as calling my neighbor!!!!!!!!!!!!!!!!!!!! I asked them to stop over and over. They continue to harass me and hope they will not contact anymore acquaintances.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I borrowed XXXX in XXXX and graduated working in XXXX XXXX for XXXX for over 10 years. In XXXX I had to file a chapter XXXX which was to wipe out XXXX of student loan debt with payments however once that discharged I still owed the full amount plus interest to sallie Mae. This became navient and I filed for forgiveness in XXXX but was denied. Now I still owe XXXX after thirty years of payments. What gives? Ive bought and paid a dozen cars off in this same amount of time but cant get this debt to drop with faithful payments
Company Response:
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dept of Ed/ Navient has reported two late payments to the credit bureaus for the months XXXX and XX/XX/2017. These late payments reports are inaccurate, At this time I was unemployed and the accounts were in general forbearance and under no circumstances should've been reported as late payments.
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A