Date Received: 2019-05-17
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2019-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hi. I had a student loan that was originally through XXXX XXXX XXXX, but that has been sold to ultimately Navient. I fell behind on the student loan and it became delinquent. After a few changes in my situation and a settlement offer by a debt collection agency contracted by Navient I was able to settle the debt on XX/XX/XXXX. After the settlement was completed, I was instructed to call 30 days later to obtain my settlement receipt, but I ran into the issue that the loans was supposedly sent back to collections and that the loan was not settled or the settlement was not approved. The collection agency that has received the money, sent me finally around XXXX XXXX a settlement receipt and forwarded the paperwork again to Navient to update the status of the account. In XX/XX/XXXX I was again harassed by two different collection agencies and Navient themselves, trying to collect on a already settled account. After two weeks of calling back and forth and emailing, faxing and mailing copies of that settlement receipt phone calls from all collection agencies stopped and I contacted Navient to obtain a copy from them of the settlement receipt ( the Navient settlement receipt, not the one that I sent them ). It took repeated calls since XX/XX/XXXX, with almost weekly calls to finally receive the receipt on XX/XX/XXXX. Navient instructed me also that they would update my credit report about this settlement by XX/XX/XXXX. No updates have been made and I again have repeatedly called them to request them to update it. They flat out refuse to update it and are giving me the run arounds, wanting me to send them various pieces of information like the settlement receipt and a current copy of my credit report to them and then file a dispute with them, which representative stated may take up to a year.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-17
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: XX/XX/2019 I am trying to call customer service of Navient to start repayment of my student loans. Every time I call I am put on hold for over 20 minutes with no response other than terrible 80 's music blaring in my ear and an automated voice message telling me how great Navient is. It would be nice if I could actually get a real person to talk to instead of a machine for over 20 minutes. This is terrible customer service. Answer your phones.
Company Response:
State: IL
Zip: 610XX
Submitted Via: Web
Date Sent: 2019-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I know I have been wrongfully charged late fees and interest applied to my total remaining balance due to the complete incompetence of payment processing and auto pay set up with Navient Corporation. This has occurred over the entire course of my student loan repayment after leaving college though I do not. I unfortunately do not have much record of the incidents leading me to this conclusion at this time. I hope to seek Justice in this matter none the less. Navient Corporation has called me many times over the course of my Dept repayment to inform me of late and not received payments. On the first of these phone conversations which they informed me was being recorded, I complained about not being able to login online to view my debt. They informed me this was due to them not having my correct social on file and asking me to mail a copy of my SSN card in the mail to the company. I complained that I would like to set up autopay to avoid these late fees and misprocessed payments, only to be told that I would first need to send in my SSN. I was extremely frustrated by this and failed to comply, thinking it a ridiculous request. Only to find out the next time I spoke to them over the phone that in fact, they do have my correct social on file and I don't need to mail anything in. I then was finally allowed to bring my balance current and I asked to set up auto pay to avoid problems in the future. I gave the representative on the line my account and routing number and was informed that it was set up and everything was taken care of. This occurred about a year ago, only to find out six months later, that in fact, auto pay had not been set up and I was again late in my payments for the entire time that I was under the impression it was on auto pay. I then was given the option to bring my balance current again, which I did and I also made sure to have them set up auto pay to avoid this from happening again and gave them my routing and account number a second time. I was given yet another " all future payments are set up for autopay '' by the company representative. I have just today ( XX/XX/2019 ) been informed that in fact this was another lie. I just moments before typing this complaint was on the phone with Navient to complain about not being able to login online to see my loan. The representative again informed me that I am past due on my payments and that auto pay has not been set up. I could barely believe it and tried explaining my situation to the representative who was unsympathetic. So I made my balance current yet again and yet again set up autopay. Only this time I asked for Navient to send me written confirmation of autopay being set up. I feel as though I may never receive justice for the years of mistreatment and additional charges and delayed loan payoff and credit score hits received due to the gross incompetence of the payment processing of Navient Corporation
Company Response:
State: WA
Zip: 98632
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: My loans with Navient have been late/past due for two months now, due to financial hardship. For the past three weeks I have received repetitive phone calls, no less than ten per day between two phone lines. I have spoken with representatives on NUMEROUS occasions and explained to them that it would be two weeks until I would be able to bring the account current. Hanging up with them, and hour later they call back. Over and over. I spoke with two representatives the week starting XX/XX/XXXX. Spoke to them again the following week, repeating the information I told them already. They repeatedly call, I have told them at least 5 times to stop calling and that they were harassing me, but this did nothing. Finally I go online and paid the past due amount to bring my account current on XX/XX/XXXX. I again, approximately an hour later received a phone call from Navient. I told the women I spoke with that I paid the past due amount. Not even 15 minutes after that phone call, the land line rings, and again it is Navient, I ignored the call. Two hours later I received another phone call, at which point I very angrily told the newest representative that it was paid and they were informed of it and are STILL calling. This has been extremely stressful, I have been very polite up until a point, I have been explaining my situation, and despite the unwillingness to work with me to get me some type of alternate payment option, the only thing NAVIENT seems to do is repeatedly call to harass. This needs to be reported and fixed immediately, so that others do not have to suffer needlessly.
Company Response:
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a letter from General Revenue Services on XX/XX/XXXX saying they refuse to investigate my dispute- I have requested debt validation for the balance of {$540.00} General Revenue Corp and I have not received any thing. I reported this previously and they claim to have mailed it in the past but I never got anything. They also did not upload any documents in the Consumer Financial Protection Bureau Portal. I am requesting them to provide a copy of a signed contract for the services of this amount they are collecting for. I am asking for a numerical breakdown of the services they provided that cost {$540.00}. They have not provided the documents within the 30 day required by law-
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: My name is XXXX XXXX XXXX account number XXXX with lender-services NAVIENT. My loans were consolidated, however ; due to my limited income an IDR was submitted to NAVIENT which was approved for an entire year ending XX/XX/XXXX. Nonetheless - to my surprise my Federal and Sate Income Tax refunds for XX/XX/XXXX return were captured by the Department of Education Collections for default payment. Consequently - after hours and disconnections and run-around for days from one department to another within NAVIENT, they found no reason for the capture. Thus - I had informed NAVIENT I had spoken to the Department of Education, and The Department of Education Collections as too the IRS all indicated the demand for capture was from NAVIENT. NAVIENT denies or declares they made no such demand. I am perplexed confused how an agency such as NAVIENT doesn't know what the left hand is doing and vice-a-vice. And - The department of Education Collections received the captured Income Tax refunds, but will not be released until NAVIENT sumits a reversal to The Department of Collections to return my State and Federal refunds along with a letter indicating that the IRS and Collection agency have been formal notified that an error in judgement was done and removed from the files of the IRS and Minnesota Revenue
Company Response:
State: MN
Zip: 55811
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I signed a parent plus loan with Sallie Mae than next thing I knew that it was sold to Navient. The payments were set at XXXX dollars a month than they kept having me defer it.
Company Response:
State: MI
Zip: 48910
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Navient encouraged me to put my loans into forbearance during residency which continued into fellowship. I was not given information regarding income based repayment options which would have been a better option. I felt very misled and have increased repayment amounts due to this ( which was a total of 6 years ). They took advantage of me and did not give me all the information I needed to make educated decisions, decisions within my best interest.
Company Response:
State: WA
Zip: 98117
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My complaint is in regards to Navient. A check for {$160.00} is sent in every month, and I make the remainder of the payment at the beginning of the month as well. Navient misapplied my payment, when I sent an email on XX/XX/2019 to please apply the payment correctly to the remaining monthly balance I got an email back saying it would be completed. I get online today XX/XX/2019 and out of the {$69.00} that was paid online only {$25.00} was applied saying with a remaining balance showing owed. When I called in at XXXX the representative couldn't tell me where the remaining {$43.00} was and why it wasn't applied. Then the rep tells me that the account will not be updated until after the billing cycle on XX/XX/XXXX which is after my payments are due. I also received and email stating that I still needed to make my payment. The rep refused to transfer me to get the payment applied to show I do not owe money and so I won't receive any more emails saying I owe money which I do not. Now I have been sitting on hold for over 25 minutes. The rep on the phone will not speak or answer anymore questions and will only say that they can not help me anymore.
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A