Date Received: 2019-04-28
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I am writing today with faith and a very= hopeful heart. My name is XXXX XXXX and I graduated XXXX XX/XX/XXXX on gran= ts and scholarships obtained by grades. I graduated with a XXXX major an= d XXXX minor with intentions of going to XXXX school. However, due to a = young marriage at XXXX and XXXX children and a divorce it was not a realistic go= al. I decided to go to XXXX XXXX school at XXXX University to ob= tain my XXXX. As a single mom of XXXX young children I had no choice but = to work nights and attend school during the day to pay for childcare, food, = house, etc. I was the only student who worked during this rigorous full ti= me XXXX program and needless to say was also a single parent. Despite my= efforts to try to financially support a household and XXXX young children e= nded in me losing my home and bankruptcy. I XXXX my XXXX and begun = working for XXXX XXXX medical center in XX/XX/XXXX. The XXXX Student loans w= ere very high especially when I was just trying to get back on my feet and = start a new life for my children. I spoke with Navient multiple times and w= as under the impression from the information I was provided that in 10 year= s these loans would be forgiven because of my XXXX XXXX career. I = tried to pay through income based repayment but many times I had to defer d= ue to hardships with supporting my XXXX mother and XXXX father. I = specifically remember asking if the deferment would affect my forgiveness i= n 10 years and specifically being told NO. All I had to do was submit the p= aperwork in 10 years. I am now recently learning that this in fact is incor= rect and I will not qualify for forgiveness without having made 10 consecut= ive years of on time payments. I currently owe over 200,000 now with all th= e interest charges which is nearly double what I graduated with in debt. It= is very discouraging as a XXXX professional coming from a low income ho= usehold trying to better herself for her family. At this time I have remarr= ied and now have XXXX children and a husband which just as well finished hi= s XXXX with a large student debt bill. I am pleading with anyone who has= some influence or power to make a difference. I am a law abiding tax payin= g professional and the price to pay for this is outrageous. I have been lie= d to by my lender for years and now I am left with a > {$200000.00} student debt= almost in time to start paying for my oldest daughters college. I heard my= daughters high school friends talking about studying in another country to= not incur all the debt. We are doing an injustice to ourselves and I stron= gly believe that something needs to change. Please help I dont know where to go from here but would appreciate= any feedback, advice, or helpSincerely XXXX XXXX XXXX --
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have just checked my credit history and saw the following negative impact on my report. Both were in red. Please explain why the balance has increased when I have not received a loan since XXXX. The information came from XXXX stating there has been an increase in debt reported to Navient. I have reached out to them in the past only to be dismissed by a representative saying the report provided was not credible. XXXX XXXX XXXX/NAVIENT Balance Increased by {$5300.00} XXXX XXXX XXXX/NAVIENT +Balance Increased by {$3400.00} Updated Account Information
Company Response:
State: SC
Zip: 29576
Submitted Via: Web
Date Sent: 2019-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: NOTE : This is not a duplicate complaint. This is a complaint for violations of the FCRA. Specifically the violations of the following section ( s ) of the FCRA Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). On XX/XX/XXXX NAVIENT granted a retroactive forbearance on my federal consolidation loan ( s ) effective from XX/XX/XXXX to XX/XX/XXXX. Prior to granting the retroactive forbearance they reported my loan ( s ) as being late in XXXX, XXXX, and XXXX of XXXX by 90, 120, and 120 days respectively. After the retroactive forbearance was granted NAVIENT failed to fulfill its obligations under the FCRA to update the status of the loans with the CRAs. Further, NAVIENT continues to furnish inaccurate information to the CRAs regarding the status of my federal consolidation loans with them. Once the retroactive forbearance was granted payments were no longer due during the months being reported as late above. Under Section 623 ( a ) ( 2 ) of the FCRA Navient is required to update the CRAs with this new information as the old information is now inaccurate and requires updating. I have disputed this information numerous times and Navient refuses to correct this reporting error and comply with the FCRA rules. I have contacted Mr. XXXX XXXX at Navient and I have notified Navient that they are knowingly violating the FCRA and they refuse to correct the issue.
Company Response:
State: MD
Zip: 20723
Submitted Via: Web
Date Sent: 2019-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Student loan interest is deductible per the tax code. This includes capitalized interest, or interest that wasn't paid on time and that eventually was added to the principle amount of the loan. For several years, I couldn't afford to pay on my loans and apx. {$10000.00} of interest was capitalized. This increased my principal balance from {$25000.00} to {$35000.00}. I ultimately repaid my loans over the course of two years, but I never received notice on the amount of capitalized interest I paid off and, thus, I was never able to deduct it from my taxes. I did receive notice regarding the amount of uncapitalized interest I paid over the two years ; however, as I've previously stated, the capitalized interest is deductible also. I've been trying to find out the total amount of capitalized interest that I paid over the life of the loan so that I can file an amended return and take the deduction. I contacted the Department of Education, and they instructed me that this was an issue for my student loan servicer ( Navient ) I contacted Navient and they said they didn't have information on how much interest was capitalized because they had only been my servicer for three years and, as such, they didn't have information dating back to the time the interest was initially capitalized. I called the DOE back and filed a complaint with the Office of the Ombudsman there regarding the situation. They never got back with me. Despite continued calls to both Navient and the DOE, I can't get my issue resolved. The tax law is clear that the capitalized interest can be deducted and I want my deduction. But in order to take it, I need one of these parties to produce a formal record of the amount of capitalized interest that I accrued and ultimately paid back over the life of my loans.
Company Response:
State: KY
Zip: 40511
Submitted Via: Web
Date Sent: 2019-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This complaint concerns the student loan servicer Navient, who has been sued by the CFPD and several state attorneys general for a pattern and practice of " mistakes '' which I have experienced while in repayment, including misallocation/pyramiding of payments and ignoring paperwork submissions in order to accelerate payments, charge late fees, and move loan toward default status. I submitted the paperwork for the renewal of my Income Based Repayment ( IBR ) plan on XX/XX/XXXX by USPS Certified Mail. The paperwork submitted included renewal forms and a copy of my XX/XX/XXXX federal income tax form showing a yearly income of less than $ 12k. This qualifies for continuation of the IBR with a monthly payment of {$0.00} ( XXXX ). The tracking number, XXXX XXXX XXXX XXXX XXXX, reports/confirms that my submission was received on XX/XX/XXXX. The request for submission of renewal paperwork which which has a date of XX/XX/XXXX printed on it, states, " To continue with the plan, please reapply by XX/XX/XXXX using one of the methods below. '' Navient did not process my IBR renewal. Instead, Navient sent two letters dated XX/XX/XXXX stating that my monthly payments were set to increase with a total monthly payment of {$670.00} beginning XX/XX/XXXX. This is classic predatory incompetence by Navient.
Company Response:
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My loans with Navient increase periodically, and I am making payments timely and in amounts greater than the minimum payment. I have spoken with them and they claim that this is from compounded interest. I explained that there should not be any compounded interest on these loans as I have not missed any payments. Originally the dates they said that they compounded my interest were dates I was attending college full time. I told them that and asked if I sent them proof, could they reverse it. They told me no. I GAVE UP! Then I got my most recent bill and it appears that my balance has gone up slightly again. I have not missed a payment and again I am paying amounts greater than my minimum payments each month. How is this legal? At this rate I will never get these paid off! XXXX XXXX
Company Response:
State: OR
Zip: 97123
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Several years ago my now EX HUSBAND pursued his XXXX XXXX and since we were married I was the Borrower and he was the Co-Borrower on BOTH private and federal student loans. I am currently being pursued by XXXX, XXXX XXXX XXXX XXXX, XXXX for an outrageous amount of {$70000.00} and have derogatory information on my credit from the original creditor which was Sallie Mae but now serviced by Navient-reporting loans that are his sole responsibility. The amount is astronomical and I am having a very difficult time surviving with my children and our living expenses while he is enjoying the fruits of this very expensive education and lifestyle of an XXXX. Per the Divorce Decree that I have uploaded you will see that on the 3rd page it clearly states that my then Husband XXXX XXXX XXXX would be the sole responsible party for all debts in relation to this defaulted debt. Per the divorce decree he was also to refinance the loans under his name removing me from this responsibility and he has failed this order along with other ( s ) that do not pertain to this topic. This is seriously affecting me from obtaining a promotion at my place of employment that would allow me to provide more for my children. I really need these items to be removed. I have attempted to dispute them. And will be sending out another dispute with a copy of the same divorce decree being provided to you in hopes that this will get removed.
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Municipal Services Bureau ( MSB ) XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX / XXXX Fax XXXX Municipal Services Bureau is trying to collect on a court case that was dismissed back in XX/XX/XXXX. We have received multiple calls but I don't have dates on those. I do have the letters and response date showing proof that the debt is not owed. Received Collection letter from MSB dated XX/XX/XXXX demanding {$240.00} from a XXXX County Court TN-Circuit Court stating the fine had not been paid. I had my administrative assistant call in to XXXX and she was informed it was an oversight and would be updated. 2nd demand letter dated XX/XX/XXXX received for same amt {$240.00}. We called XXXX County Court on XX/XX/XXXX spoke to XXXX that transfered us to XXXX who confirmed the case had been dismissed on XX/XX/XXXX and no debt was owed and that they would send notice to the collection agency MSB. Admin called XXXX on XX/XX/XXXX spoke to Rep adv of what court stated and they were sending proof. Around XX/XX/XXXX a collection called was made to my company still trying to collect the {$240.00}. At this point I gave my office manager permission to take over trying to resolve this matter.She called XXXX County on XX/XX/XXXX and had a copy of the court dismissal faxed to her and wrote a letter to MSB advising I didn't owe this debt to update their records and cease and desist all collection tactics and included proof from the court where the case was dismissed. Her and myself signed this letter. 3rd demand letter dated XX/XX/XXXX Office Manager called and spoke to rep who again said it was an oversight and would be updated. We received another collection call at my company on XX/XX/XXXX My Office Manager spoke to them went through everything again with rep asked for fax #. XX/XX/XXXX My office manager wrote letter with dates that we have sent proof along with copies of letters and proof from court and for the debt to be removed and cease and desist further collections tactics she faxed the letter to XXXX and got transmission verification report confirming it went through at XXXX XXXX eastern time. She also mailed the letter w/copies of previous letters and proof of the case being dismissed and debt not owed. 4th demand letter dated XX/XX/XXXX received for amt {$240.00}. I have not responded to this letter as nothing is working and I am asking you to step in on my behalf to help resolve this situation.Copies of documents can be provided.
Company Response:
State: TN
Zip: 37849
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/2017, I signed an enrollment agreement ( the " Agreement '' ) with XXXX XXXX XXXX XXXX XXXX " XXXX '' ). The total cost of the program was {$9900.00}. The cost was financed through federal student loans ( one for {$2400.00} and another for {$4200.00} ) and a private loan from AIT ( {$3300.00} ). On XX/XX/2017, I began attending classes. On XX/XX/2017, I decided to stop attending XXXX classes. On that day, I informed the director of training at XXXX of my intent to withdraw and that I would no longer attend classes. At no time did I personally receive any of the proceeds from any of the loans mentioned above. According to the Agreement I signed on XX/XX/2017 ( see attached ), if a student withdraws within the 3rd week of training, the student is only obligated to pay XXXX {$100.00} + 10 % of tuition + Books and Fees. In my case, I withdrew within the 3rd week of training and therefore only expected that I owed XXXX {$1300.00} which is {$100.00} + 10 % of tuition + Books and Fees subtracted from {$9900.00}. Recently, I began receiving notices from Navient and debt collectors for XXXX that I owed collectively {$10000.00} to both for loans used to pay for my attendance at XXXX. Navient claims I am responsible for paying two loans used to pay XXXX for my attendance. The first is a federal student loan in the amount of {$2400.00} ( " Loan 1 '' ) which was taken out in my name by the staff at XXXX, on XX/XX/2017, and the proceeds of that loan were sent to XXXX. The second is a federal student loan in the amount of {$4200.00} ( " Loan 2 '' ) which was taken out in my name by the staff at XXXX, on XX/XX/2017, and the proceeds of that loan were sent to XXXX. The third is a private loan in the amount of {$3300.00} ( " Loan 3 '' ) which was extended to me by XXXX to cover the amount of tuition not covered by the proceeds of the two federal student loans mentioned above. The Agreement states that XXXX, as a result of my withdrawal within the 3rd week of training, was obligated to return 90 % of the federal student loan amounts I was awarded back to the Federal Title IV program. But, they did not. In addition to failing to live up to that part of the Agreement, XXXX also decided to try to collect on Loan 3 even though I did not owe that money either. I admit I owe XXXX and Navient {$1300.00} for the brief period of time I attended XXXX. But, I do not owe XXXX or Navient any more than that. Had XXXX returned 90 % of the amount of federal student aid I was awarded ( {$6000.00} ) back to the Title IV program, I would not owe Navient the {$6600.00} they are claiming but only owe {$660.00} to Navient. Also, had Navient fulfilled their obligations under the Agreement, I would only owe them {$680.00} for Loan 3 and not the {$3300.00} they claim. In summary, I only owe {$1300.00} for my attendance at XXXX. In the XXXX, if a student withdraws within the 3rd week, that student is only obligated to pay XXXX {$100.00} + 10 % of tuition + Books and Fees. In my case, that means I only owe {$1300.00} which is 10 % of {$9900.00}, the total amount of the program. {$660.00} of that {$1300.00} is owed to Navient per the terms of the Agreement. Of that {$1300.00} I owe, {$660.00} is owed to Navient because the Agreement states withdrawal within the 3rd week means that of all the federal aid received ( {$6600.00} ), 90 % of that amount ( {$6000.00} ) is unearned and must be returned to the Title IV program. The remaining 10 % of the amount of federal aid received ( {$660.00} ) must be paid to Navient by myself, not by XXXX. {$680.00} of that {$1300.00} is owed to XXXX per the terms of the Agreement. I'm contractually obligated to pay {$660.00} to Navient as outlined above. Of the {$1300.00} I actually owe for my attendance at XXXX, I therefore only owe XXXX {$680.00}, not the {$3300.00} they claim I owe. Had Navient returned the federal aid money to the government as they were supposed to, only a fraction of the current debt appearing on my credit report would be there. XXXX has breached the Agreement we have and has caused me damages. Additionally, XXXX has failed to follow Federal laws regulating the return of unearned student loan proceeds for a withdrawn student.
Company Response:
State: AZ
Zip: 85029
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
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 90 days late payment on the dates XX/XX/2017 to XX/XX/2017. 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: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A