Date Received: 2019-04-30
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: i submitted a complaint previously requesting the promissory notes, if you take a look back at your response there wasn't anything attached. Please provide me with what i am asking for!!!!
Company Response:
State: NJ
Zip: 07013
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I applied for the XXXX with Navient and it was approved XX/XX/XXXX and then they made my payment due the very next day XX/XX/XXXX. They didn't even give a chance to check my email before they made me past due in the amount of XXXX. On top of that my previous XXXX plan was not due to be renewed till XX/XX/XXXX so I lost a month of paying XXXX dollars to being past due and late. The only option I was given when I called customer service was to put the XXXX bill in to forbarence. This seem wrong they should of given me time to prepare for this payment not just XXXX hour.
Company Response:
State: WA
Zip: 98520
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: First, the original XXXX XXXX I attended was in XXXX XXXX ca, which was no where on the drop down list. it can be found here : XXXX XXXX XXXX I have had issues with predatory lending, specifically with Sallie Mae/Navient . When I went to the school in XXXX, I was given a loan. when I went to consolidate my loan, I was not told that part of my loan would be transformed into a private student loan. I filed bankruptcy in XXXX, listing this private loan and showed proof of unable to repay without it affecting my ability to live. at that time, I thought it was taken care of. Fast forward to today, I have had numerous issues with Navient and this is not the first time I have had to file a CFPB complaint against them. They refuse to offer any forgiveness. They refuse to lower the interest rate and it has grown from XXXX to XXXX. Again I had done all the steps the first time in bankruptcy to show I couldn't pay the debt. Well I filed Bankruptcy again, being careful to ensure that they were petitioned, and took all the necessary steps to include my student loans. They did not show up to the hearing and were well informed. The judge approved dismissal of all loans including student loans, and I was able to prove that It would be a financial hardship to pay this back. They have practiced predatory lending practices and the school I went to is no longer open. Navient refuses to discharge the debt or provide any financial relief. The original amount of both loans that were turned into private loans without my knowledge or consent was as follows : Loan 1 : current balance {$23000.00} Loan 2 : current balance {$8000.00} I am unsure of what else to do. I am happy to submit any information needed.
Company Response:
State: OR
Zip: 97132
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX XX/XX/XXXX RE : Navient Account Dispute To Whom It May Concern : My name is XXXX XXXX and I had a private student with Navient. It originated in XX/XX/XXXX and became default on XX/XX/XXXX. XX/XX/XXXX, I became disabled due to XXXX XXXX XXXX. When I learned about my disability I immediately informed Navient. They did not offer any resolution, so my account continued to accrue additional fees. It was charged off on XX/XX/XXXX and sent to XXXX XXXX XXXX in Illinois. I called both Navient and XXXX XXXX XXXX today and was immediately given the run around. I called Navient to see if the statute of limitation had expired on my loan and was immediately put on hold. When they returned they immediately referred me to XXXX XXXX XXXX and the credit bureaus. Below are the detailed summary of each interaction with each Navient and XXXX XXXX XXXX customer service representatives that occurred today. Called XXXX XXXX XXXX and spoke to XXXX at XXXX XXXX and he refused to give me the status of the statute of limitation on my loan and referred me back to Navient to get that information. Called Navient and spoke with XXXX at XXXX XXXX and she refused to give me the status of the statute of limitations on my loan and said that the credit bureaus would be the ones who could remove it from my credit report and provide the status of my statute of limitation on my loan. Called Navient at XXXX and the rep referred me to the credit bear urea and refused to give me the status of the statute of limitation on my loan Called Navient and spoke to XXXX at XXXX who refused to give me the information that I was asking for, after pressuring he said the statute of limitation on this account was not active, but it will be as of XX/XX/XXXX. It was charged off on XX/XX/XXXX and its 7 years after that delinquent date. So, I decided to call back to verify that information and was told the following below. Called Navient and spoke with XXXX at XXXX XXXX who referred me back to the credit bureaus and refused to give me the status of the statute of limitation on my loan. Called Navient and spoke with XXXX at XXXX XXXX and was told that the account is not a-part of the statute of limitations because its in Missouri. I pushed further and was put on a long hold. She came back and asked me if I have spoken to the state of Missouri. I told her I have and questioned why was she inquiring about that, rather than providing the information that I requested. Navient and their treacherous acts and policies are causing borrowers like myself a whole world of credit problems. My loan should be removed from my credit report since the statute of limitation has passed. This account is over 10 years old and they are still reporting on my credit report that I am late. As I told Navient and the collection agency that has the loan now. I am currently getting social security because of my disability. Can you lease assist me with get the true status of the statute of limitations for my loan. The XXXX XXXX XXXX account number is XXXX. Thank, XXXX XXXX XXXX
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2019-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Communication : Not getting answers to my questions and getting information or advice from representatives that was bad or perhaps outright false. Getting mixed up information. But, mostly, getting responses that are " scripted '' never getting answers to my particular questions. Getting the exact same response repeatedly and Navient reps refusing to talk/discuss alternatives. There was one time when I was told ( during one of the yearly re-certification processes ) that the representative told me there would be " Administrative Forbearance '' come to find out - no, it wasn't - they had used up my forbearance while we figured out the re-payment options. Little did I know this at the time - that forbearance probably contributes to the TOTAL of {$100000.00} capitalized interest on my total loan cost. Payments : I feel like Navient has misrepresented options for payments and re-payments, perhaps too in the way it has applied loan payments. Things like suggesting forbearance, suggesting that was the " only '' option. I just am confused now and scared that after working all these years, my paycheck will be garnished, Navient will take my Social Security and even my State pension. I appreciate your helping me - if there is anything I can do please let me know. The Advocate - she does NOTHING to answer my question - she refuses to tell me what the MINIMUM payment I can make - she reads a " Script '' and NEVER answered my question as to a minimum amount I can make - so I guess I have to make the FULL {$230.00} because she's got me by the you know what ( s ) - she REFUSES to answer the question? I can not afford to pay this amount for the next year, and I will need to slash a lot of things off my list ( s ) grocery, cancel the doc appointment I had schedule for this week, whatever I have to do to get that paid - I can not do this every month though? The Loan Forgiveness Program Navient stated I was " eligible '' for and the one I have been working towards did require 120 on time payments. They stated these payments did not have to be " consecutive '', but just 120 on time payments, in addition to working for a XXXX XXXX XXXX too as an educator. I have been with the XXXX XXXX School district for 16 years and plan to still be working when I get meet the goal of 120 on time payments - meeting both of these pieces of criteria would in the end - would make me eligible for the Loan forgiveness program. The most recent information I was provided by Navient, ( letter dated XX/XX/XXXX ), as you stated in your response, is not the information I was given. In addition, a Navient Customer Advocacy representative, a one, Mrs. XXXX XXXX reached out to me at some point, but has not been helpful at all. She continues to repeat the same " script '' over and over and over and over again calls and leaves message on my home phone during my work hours, leaves meaningless messages with her name, date and time with an invitation to cal her back. I had a payment due on XXXX in the amount of {$230.00}, which is the " new '' monthly amount after I re-certified this last year ( you have to do this each year ). This is the amount that I can not afford to pay each month for the next year and I need to be lowered to a reasonable amount - this is what started this whole mess! I want to send in a payment - or I did on the XX/XX/XXXX and I still will send - I want to send in a payment, but when I send a very specific question about an amount to pay to her - she avoids me by stating the exact same thing over and over again. I must have said to her, sent her this same questions ( below ) a million times, long before XX/XX/XXXX when my payment was due - the following : What is the minimum amount I can pay NOW that will allow me to avoid default and or use of my forbearance until we can come to a reasonable monthly amount that I can afford to pay back each month in order to meet my obligation to pay back my student loans each month for the next year. Please do not call my home phone again to respond to this e-mail as that is not working. Please respond here as to the minimum amount I can pay NOW that will allow me to avoid default and or use of my forbearance until we can come to a reasonable monthly amount that I can afford to pay back each month in order to meet my obligation to pay back my student loans each month for the next year. Please do not call my home phone again and leave a message asking me to call you back as that is not working. Please respond here asap. I am trying to do the right thing and be responsible - please respond. Respectfully, Ms. XXXX SHE ALWAYS RESPONDS WITH THE SAME " SCRIPT '' Please see the e-mail below : XXXX, XXXX XXXX. To : XXXX XXXX XXXX XXXX at XXXX XXXX Dear Ms. XXXX : Thank you for your recent email. Please see the information provided within our response dated XX/XX/2019, which was previously provided to you. It is important to understand that your payment amount was calculated using a formula set by the U.S. Department of Education, and Navient is unable to change this formula to provide you with the lower monthly payment amount that you are requesting. Your current repayment plan is the lowest available repayment plan we can offer at this time based on federal regulations. For additional information regarding the available federal repayment programs, please visit studentloans.gov. Sincerely, XXXX XXXX SHE DOES NOT ANSWER MY QUESTION - IN FACT IF YOU WANT ME TO FORWARD THE E-MAILS I HAVE SENT TO HER - IF YOU THINK THAT WOULD HELP - PLEASE LET ME KNOW - Why would she not provide a minimum amount or something other than the same script over and over?
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2019-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-29
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: First this company called my father in another state, and when they were told to stop harassing him they then called my cell phone. They are calling for somebody else, another name, yet are bothering and harassing us. Apparently they XXXX names and their XXXX agents go fishing.
Company Response:
State: MA
Zip: 01960
Submitted Via: Web
Date Sent: 2019-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and NAVIENT were no successful resolution. NAVIENT was reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This refers to the attached billing account statement received fron XXXX XXXX XXXX XXXX XXXX XXXX for my two semester of education. The total cost of Tuition and Educational Fees was {$7600.00} ( {$3800.00} x 2 semesters ). I received TAP awards totaling {$1000.00} for the two semesters, Based on above, it shows that the school was entitled to receive a loan of {$6600.00} from my lender ( Sallie Mae ) for the total cost of my education. However, Salie Mae and/Navient, the Lender and Servicer of these Loans have been collecting repayments since XXXX based on the amounts of Loans totaling {$17000.00} which my school received in XX/XX/XXXX and XXXX XXXX. There are issues of Overpayments/Overawards to be resolved. There is no account for the total amount collected from me by SalliMae before transfering my loans to Navient on XX/XX/XXXX. From XX/XX/XXXX to date, Navient has collected {$35000.00} from me and continue to ask for a payoff of {$34.00}, XXXX. I have never received any portion of overpayments returned to me or deducted from original loans by the school and the lender.. Please help.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2019-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-28
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Dear XXXX XXXX XXXX XXXX : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.
Company Response:
State: OH
Zip: 44212
Submitted Via: Web
Date Sent: 2019-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-28
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Every time I visit Navient 's website to do anything other than make a payment, there are issues with the site. I have been trying to submit an online in-school deferment. I log into my account. Click tools and requests Click go to documents & forms ( this link opens another page requiring to log in, only to bringing you back to your main account page ) Instead of being able to easily enter my in-school deferment online as it seems I should be able to do based on their website, I get stuck in a loop that never takes me to the deferment request, forcing me to take a longer process.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2019-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A