Date Received: 2019-04-20
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: My parent and I had settled a private student loan with the private student loan servicing company Navient in XXXX. Since the settlement, we had not received any further communication from Navient until recently XX/XX/XXXX from different sources regarding the information on the same accountXXXX XXXX XXXX is a third party debt collector who obtained unsolicited personal information on my co-signer and contacted them regarding a settlement that has already been resolved and paid in full and no longer owed for the student loan from an unknown company with the phone number XXXX. An additional source has obtained my personal unsolicited information claiming the same Navient account and debt have been forgiven as part of a class action suit from a company called XXXX from phone number XXXX who claimed to obtain my information from a Database. The company called and left an automated message regarding a class action lawsuit for my loan in which it has been forgiven. Upon further investigation, this was found to not be confirmed. I and my borrower have not opted in for any information from these companies and it appears our information has been compromised, misrepresented, illegally obtained or shared by Navient, in addition, to incorrect reporting to these companies.
Company Response:
State: NY
Zip: 12533
Submitted Via: Web
Date Sent: 2019-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-20
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Navient has very poorly in the past described what repayment options there are and seemed like deferment was the best option. I make about 2000 a month and XXXX/month is not affordable on top of other living expenses.
Company Response:
State: OR
Zip: 97702
Submitted Via: Web
Date Sent: 2019-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient ( formerly Sallie Mae ) has been pushing my load due dates forward instead of applying overpayments to my principal balance. I have requested that overpayments always be applied to the principal over the phone, over the course of MANY MANY years. There is no online option to direct overpayments to the principal balance. I was able just now to change the default overpayment setting from " pushing due date forward '' to " bill for full monthly amount '', but only after researching this extensively on the internet! This option is hidden and you have to know exactly where to find it. In addition, there is no option to sign up for auto pay and include an overpayment. It is clear that by limiting consumer ability to dictate when and where a payment should be applied directly benefits Navient, at a high cost to me, the consumer. By forwarding due dates instead of reducing my principal balance, and by eliminating options for overpayment via autopay, Navient can ensure that I will continue to pay my student loan for as long as possible, thus, ensuring they rake in all the interest they can. This should be illegal. Like other predatory practices, the hiding policies and procedures for handling student loan payments exclusively benefit Navient. They know that most individuals will fail to recognize these practices as harmful. Those who are aware of Navient 's unethical practices will have to put in an enormous amount of time and effort to identify, correct, and continually monitor for compliance with consumer instructions.
Company Response:
State: OR
Zip: 97223
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I find that my experience with these loan servicing companies misrepresented to borrowers they were on track for PSLF when in fact their loans would not qualify for PSLF without consolidation. I ascertain that from XX/XX/XXXX until XX/XX/XXXX, Sallie Mae, Navient, and XXXX XXXX XXXX misrepresented to borrowers that they were on track for Public Service Loan Forgiveness, ( PSLF ) when in fact their loans would not qualify for PSLF without consolidation. I began repaying my Student loans in XXXX of XXXX, which were managed by Sallie Mae and then Navient, as time progressed. When determining my repayment plan I would be making, I had informed the customer service representatives from XXXX XXXX to XX/XX/XXXX that I worked for a XXXX XXXX agency and I wanted to be apart of the Public Loan Forgiveness Program . I inquired what steps had to take in order to be eligible for this, and was informed that I would have to enroll in Income Based repayment plan. There was no discussion or information that in order to be eligible I would have to consolidate my loans into a direct loan. I continued to make payments to Sallie Mae and then Naivent, on the Income Based Repayment Plan throughout XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX while I remained working at XXXX ( XXXX ) ( XXXX ) XXXX XXXX, believing that I was still on track for PSLF. In the beginning of XXXX, I learned on Federal Student Aid Website, that if you were working towards PSLF that you should submit the Employment Certification for Public Service Loan Forgiveness form. I began have my employers in completing these forms, and submitted them to the U.S. Department of Education I received a letter from Navient, On XXXX XXXX, informing me that the U.S. Department of Education ( ED ) was transferring your loan account to XXXX XXXX ( XXXX ) because you requested to participate in the Public Service Loan Forgiveness ( PSLF ) Program. XXXX XXXX ( XXXX ) is EDs servicer that provides customer service for all federal student loan borrowers who are potentially eligible for PSLF and tracks their progress toward qualifying for PSLF. This change in servicer will not impact the existing terms, conditions, interest rate, or available repayment plans of your federal student loans. Your loan account will be transferred to XXXX XXXX ( XXXX ) on or about XX/XX/XXXX. If ED doesnt transfer your account as planned, well let you know. I received a three letters from XXXX XXXX XXXX on XX/XX/XXXX, stating that I had 7 student loans ( Direct Sub Stafford, Direct Unsub Stafford, Federal Stafford Loans, and Federal unsub Stafford loans ) transferred over to their program. It stated Information Regarding Your Eligibility Tracking for Public Service Loan Forgiveness We will calculate and provide you with notification of the number of qualifying payments you have made during the period ( s ) of qualifying employment, the estimated number of payments that are still required, and the date you are expected to be eligible to apply for forgiveness. Because each account must go through a detailed review process, providing you with these details may take a great deal of time. Expect to hear back from us no sooner than 90 days from today. There was no mention that any of my loans that were transferred to them were ineligible for Public Service Loan Forgiveness ( PSLF ) Program, unless they were consolidated. Four of my remaining student loans ( Stafford Subsidized and Stafford unsubsidized loans ) remained to be serviced by Navient. From XXXX until XX/XX/XXXX, I awaited for XXXX XXXX XXXX to certify my remaining employers and completed the above calculations. Again, there was no mentioned that any of my loans were ineligible for Public Service Loan Forgiveness ( PSLF ) Program, unless they were consolidated. I sent an email and submitted a letter to XXXX XXXX servicing on XX/XX/XXXX inquiring as to the status of calculations of my qualifying payments during period of qualifying employment, the estimated number of payments that are still required and that date that I would be eligible to apply for forgiveness. I received an email response from XXXX XXXX XXXX on XX/XX/XXXX stating We apologize for not yet being able to provide you with the number of qualifying payments made toward Public Service Loan Forgiveness ( PSLF ). Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. I called XXXX XXXX XXXX XX/XX/XXXX to inquire about that status of my calculations of my qualifying payments during period of qualifying employment, the estimated number of payments that are still required and that date that I would be eligible to apply for forgiveness. The representative that I spoke to, then informed me that four of my student loans ( Federal Stafford Loans, Federal unsub Stafford loans ) totaling {$28000.00} were not eligible for forgiveness, as there were not a Direct Loan. No one in any prior communication at Sallie Mae, Navient, or XXXX XXXX XXXX, prior to XX/XX/XXXX, had informed me that I had to consolidate these loans in order to be eligible for the Public Loans Forgiveness Program. I then inquired about the four remaining loans that at were not transferred over to XXXX XXXX XXXX when I applied in XXXX and remain being serviced by Navient ( Stafford Subsidized and Stafford unsubsidized loans ) totaling XXXX. I had informed her that I was under the assumption, that all loans that the U.S. Department of Education transferred over to XXXX XXXX XXXX were eligible for forgiveness totally approximately {$50.00}, 000. I was under the impression that my remaining loans at Navient ( approximately {$8000.00} ) were the only ones there were not eligible for forgiveness. The customer service representative was not aware of my loans at Navient and was unable to explain why these loans did not transfer over to XXXX XXXX XXXX in XXXX with my remaining loans. I was transferred to a supervisor who was also unable to explain why I continued to have loans with Navient and informed me that if wanted these loans to be eligible for Public Loan Forgiveness, that I would have to consolidate all Federal Stafford Loans and Stafford Loans into one direct loan of approximately 38,000. I would then have to make 120 ADDITIONAL qualifying payments prior to those loans being eligible for forgiveness. None of my prior qualifying payments that I had made towards these loans over the past 7 and half years while working for XXXX ( XXXX ) ( XXXX ) XXXX XXXX could or would be applied for Forgiveness. I find that my experience with these loan servicing companies misrepresented borrowers they were on track for PSLF when in fact their loans would not qualify for PSLF without consolidation. I have begun the process to consolidate my ineligible loans at this time. However, All loan payments that I have made towards these loans, during periods of qualifying employment, should be counted retroactively towards PSLF from time that I was informed that I had to consolidate my loans on XX/XX/XXXX. I should not be penalized for information that was never communicated to me.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Please see the first Attachment, a XXXX XXXX version of the information below, as the website does not allow formatting or proper spacing. This complaint pertains to Navients handling of my application to consolidate my 7 federal student loans. In order to make an informed decision about whether or not it makes financial sense to consolidate my 7 federal student loans, I need to know which repayment plans I would be eligible for if I were to consolidate, and Navient can not /will not give me that information. BACKGROUND : I am trying to determine whether or not to consolidate the loans. If I do consolidate them now, ( assuming I am eligible for an Income-Driven Repayment ( IDR ) plan ), I will have a more manageable monthly payment, BUT, I will effectively be throwing away 10 years of payments made under 4 of my loans that were already on an IDR plan. ( My understanding is that once the loans are consolidated, there are 8 different repayment plan options, which can be broken into 2 categories : Standard repayment plans, and Income-Driven ( IDR ) repayment plans. The Standard repayment plans include Standard, Graduated, Extended Fixed, and Extended Graduated. My estimated payments under the Standard plans would range from a low of $ XXXX/month to a high of $ XXXX/month. The IDR plans include Income-Contingent, Income-Based, PAYE, and REPAYE. The estimated payment under the REPAYE plan ( which is the plan I selected and applied for ) is estimated to be $ XXXX/month ). After much research and consideration, I have concluded that I do want to proceed with the consolidation, BUT ONLY IF I AM ELIGIBLE FOR AN IDR PLAN. Therefore, I NEED TO CONFIRMATION OF MY ELIGIBILITY FOR THE DIFFERENT IDR PLANS, AS WELL AS THE ESTIMATED TERMS OF THOSE PLANS, BEFORE I GIVE THE OK TO PROCEED WITH THE CONSOLIDATION. My understanding is that Navient ( as the servicer assigned by the US Dept. of Education to process the consolidation application, per Attachment C Email from studentloans.gov ) is supposed to provide me with this information via a Consolidation Loan Summary Statement ( CLSS ). To date, Navient has been unwilling or unable to provide this information the sections of the two CLSSs that I received ( Attachment E and Attachment G ) that address eligibility for the IDR plans are simply blank, and the specific IDR plan that I selected on my application is not even listed on the CLSSs as an available option. Lengthy email correspondence with Navient ( Attachment F ) has provided no substantive explanation for why they can not give me this information. However, a Navient representative has, verbally, offered the following explanation : When processing a consolidation loan application, Navient does not provide the IDR plan information if they are not going to be the servicer of the new ( consolidated ) loan. In other words, Navient is effectively saying, You have to consolidate the loans first, and then you find out the repayment plans that are available to you. This is not acceptable. The most basic principle of fair lending laws is full disclosure of the terms of a potential loan before the loan is made. I am asking CFPB to step in to help me get the information from Navient I need to make an informed decision. SEQUENCE/HISTORY OF THE CONSOLIDATION APPLICATION - XX/XX/19 I submitted my CL application ( Attachment A ) and my IDR Request ( Attachment B ) via the studentloans.gov website. I also received a confirmation email from studentloans.gov on XX/XX/19 ( Attachment C ) stating that XXXX ( the servicer I selected on the application ) would be the servicer of the consolidated loan, but that Navient would be the servicer processing the CL application. The email, Attachment C, stated Once your consolidation servicer receives the application and documentation from you, the servicer will contact you after reviewing your application and your eligibility for the repayment plan you selected. - On XX/XX/19 I received an email from Navient ( Attachment D ) confirming receipt of my application. The email further advised that I would receive a Summary Statement ( hereinafter Consolidation Loan Summary Statement, or CLSS Attachment E ), and that I would have 10 business days after receiving the CLSS to request any changes. - On XX/XX/19 I received the CLSS, dated XX/XX/19, via email. This meant the deadline to request changes or cancel the consolidation would be XX/XX/19. o Page 1 of the CLSS acknowledged that I requested the REPAYE IDR plan. o Page 3 of the CLSS, under Section 2, states This [ Section 2 ] allows you to compare the estimated Monthly Payment amount and total repayment amounts under each of the Direct Consolidation Loan repayment plans for which you are eligible ( emphasis supplied ). o Page 5 of the CLSS is titled Direct Consolidation Loan Summary Sheet ( Summary Sheet ) and Section 2 Estimates of your Direct Consolidation Loan Repayment Options The Summary Sheet sets for the estimates under the different Standard repayment plans ( which I am not interested in, nor did I request ). However, the Summary Sheet does not provide any of the information about either the estimated terms of, and/or my eligibility to participate in, 3 of the 4 IDR plansFurther, the specific IDR plan that I did select ( REPAYE ) is not even listed as an available option on the Summary Sheet. Given the language on page 3 of the CLSS ( This [ Section 2 ] allows you to compare the estimated Monthly Payment amount and total repayment amounts under each of the Direct Consolidation Loan repayment plans for which you are eligible ), this makes me question whether or not I would be eligible for an IDR plan ( specifically, REPAYE ) after consolidation. o Since, as stated above, I only want to consolidate the loans if I am eligible for an IDR plan, I need confirmation, in writing, about my eligibility for IDR before the consolidation goes through. Thus, I have been trying to get Navient to give me that written confirmation in the form of an updated/corrected CLSS since I first received the XX/XX/19 CLSS. Their responses to my request have been all over the place, but ultimately they have not given me this confirmation that I need to make an informed decision about whether to proceed with the consolidation. CORRESPONDENCE WITH NAVIENT AFTER RECEIPT OF THE XX/XX/19 CLSS. o XX/XX/19 Email to Navient requesting an email copy of the CLSS once available. o XX/XX/19 Email from Navient advising CLSS would be available on XX/XX/19. o XX/XX/19 Email from Navient with the XX/XX/19 CLSS o XX/XX/19 Email to Navient explaining the CLSS does not contain the info I need regarding my IDR plan eligibility, or the estimated terms. o XX/XX/19 Email from Navient confirming that I did provide the documentation necessary for them to process my IDR request, and advising that the IDR info should be listed in the letter. o XX/XX/19 Email to Navient with a more detailed explanation of my position and need for confirmation of my eligibility for IDR. o XX/XX/19 Email from Navient discussing IDR eligibility generally, but confirming that Navient is not able to actually confirm my eligibility for IDR. This email also advised me to call Navient Customer Service, suggesting that their agents could verbally confirm my eligibility for IDR ( but for some reason, it could not be confirmed via the new CLSS I was requesting ). o XX/XX/19 Phone call to Navient re status of my request for the new CLSS. The agent advised that she saw no pending request for a new CLSS in their system, but stated she would re-initiate the request, and that it should be available to me via Navients website within 48 business hoursthis would be XX/XX/19, which was the deadline to change/cancel the consolidation. The agent also explained the process for pausing or temporarily canceling the consolidation request, if I did not get the info I needed in time. o XX/XX/19 Phone call to Navient to check status of the new CLSS. The agent stated he saw notes regarding the XX/XX/19 call, but did not see any pending request for a generation of a new CLSS. This agent also stated he would re-initiate the request for a new CLSS. o XX/XX/19 Email to Navient instructing them to temporarily cancel the consolidation, as I still had not received the new CLSS that had been promised numerous times. o XX/XX/19 Email from Navient confirming temporary cancelation of my consolidation application. This email also stated, for the first time, that any new CLSS will NOT include IDR plan information, because [ t ] hat information comes from the Servicing Department. o XX/XX/19 Email to Navient explaining that I can not proceed with consolidation without getting confirmation of the IDR information. Also advised of my intention to file this CFPB complaint. o XX/XX/19 Email from XXXX XXXX, Supervisor in Naviets Consolidation Dept, advising a supervisor in another area would contact me to address my issue. o XX/XX/19 Follow-up email to XXXX, as I had not heard from anyone. o XX/XX/19 Response from XXXX stating she would follow up with the other supervisor, and also advising she can not create you an updated Loan Summary Statement. o XX/XX/19 Received call from XXXX XXXX, a supervisor in the Customer Service Department. She explained Navients process and advised I could look up my eligibility for IDR using a number of different resources, but I again explained I needed confirmation in writing. XXXX advised she would look into it and get back to me, particularly re the issue of why the REPAYE plan was not even listed as an available option on the XX/XX/19 CLSS. I advised I would wait to hear from her until Monday, XX/XX/19 before filing the complaint with CFPB. o XX/XX/19 & XX/XX/19 Phone calls with Ms. XXXX, where she explained that it appears that the problem is that Navient does not have a process/procedure for providing the IDR info when they are not going to be the servicer of the loan once the ( potential ) consolidation is complete. o XX/XX/19 Recd 2nd CLSS dated XXXX ( Attachment G ), again without any of the IDR information. o XX/XX/19 Recd letter from Navient dated XX/XX/19 ( Attachment H ) confirming my consolidation loan application was not processed due to the fact that I cancelled/postponed it.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: My sister in law was contacted by Navient regarding my student loans. She was informed that my student loans were past due. This is illegal and in violation of FDCPA, Section 15 USC 1692c, Section 805b. I have not given permission for Navient to provide information about my debt to a third party. KC is my sister in law ( not my parent, or spouse ). Navient has continuously called an harassed me also in violation of FDCPA, [ 15 USC 1692d ] 806 ( 5 ). These are two violations of the FDCPA. I seek immediate and swift legal action in accordance with the law and the aforementioned statute.
Company Response:
State: MD
Zip: 20715
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I had to borrow money thru a private loan to complete my XXXX XXXX XXXX at XXXX University. I borrowed XXXX on XX/XX/XXXX and {$8000.00} on XX/XX/XXXX. Navient has my student loans. I started paying those loans back in XX/XX/XXXX. I pay around {$170.00} each month on the total loans combined. As of right now, I still owe {$6800.00} on the {$8000.00} loan and {$4600.00} on the {$4500.00} loan. How is this possible? I called back last year to see about a different type of payment or lower interest rate. They said they couldn't do that, but I could get a deferment which I used two separate times for a total of 6 months last year. I had been bit by a cat and had XXXX in my right hand. I missed a lot of work ( I'm a teacher ) and I had a lot of copays and doctor bills that I had to pay, in which I am still paying on. I just feel like paying off this loan is a loosing battle. I mean how can I still owe so much on these original balance or even owe more on the {$4500.00} loan than I even borrowed to begin with? XXXX XXXX
Company Response:
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: When I first started working with Navient in XXXX in an attempt to start payment on my student loans, I was not given the option to enroll in income-driven repayment plans.I called to make a payment around XX/XX/XXXX and paid what I could, {$130.00}. I told Navient I couldn't afford this. They offered me the forbearance option for 9 months where I wouldn't have to pay for this time. I couldn't afford what they wanted from me. I was SO poor at the time. I wasn't offered a suite of options, just the life saver of forbearance. They said it was easy, just call back every time it expires and have it put in forbearance again. Every time I could not make/afford the payment, I followed their advice. When they would call to collect, like XX/XX/XXXX, I was offered to put it back in forbearance. They would tell me that it would protect my credit by bringing my account current and not requiring a payment for the time it was in this status. They encouraged me when I would call to tell them I can not make the payment to enroll in school and make sure the school updates some database that tells them I am going to school and it would put my loans in " In-school deferment ''. Navinet drove me down the path of forbearance, over and over, causing me to accrue interest interest and delaying my paying off of debt. I was unaware that with the amount I had that this would ultimately just make my loans near impossible to payoff without running into some windfall. Because the option to not pay was the only alternative offered to making payments much higher than I could afford, I took advantage of the use of their forbearance program for years and did not think of how this would continuously drive up the overall amount of my loans, both federal and private. They offered this option to me, to renew it over and over every time I would contact them when it ran out, that when they finally stated I could no longer use this option, they then offered me the income driven re-payment plan. I called to let them know in XX/XX/XXXX that I couldn't keep up withe the payments and was offered forbearance again. I was shocked at how much better this made my overall financial situation due to the ability to afford the payment and pay down my overall debt. I was unable to make one of these payments on time and Navient told me that I would need to re-enroll in the program. When I called back into the Rate Reduction department to re-enroll in the income driven repayment program, I was re-directed to their collection department and told call after call that I no longer qualify for income driven repayment and the only way to bring my status into good standing was to sign up for auto pay at the increased rate. As I look at my interest charged to date, I have accrued {$15000.00} because I was guided towards their " preferred '', and now I realize " money Making '', process. To someone who could not afford payments like this when I was no longer attending school, of course it is attractive to use the forbearance option. It was either lose my home and not buy food for my family by making the payment, or use the forbearance option.On top of this, I am making agreed upon payments, but continuously being charged late fees that stack up on the entirety of the balance. Almost {$1000.00} in late fees as I write this. How is that possible? That's another small loan in and of itself. Each late fee is about {$50.00}. Navient has drown me in debt. Then, they collect finance charges on top of those late fees.What a terrible business model for someone trying to " Help '' students with loans. That is predatory. My private student loans have an interest rate of 13.5 %. My federal loans have a rate of 4.23 % and Navient has been happy to help me as often as needed on those repayment plans ... I took out the total amount of {$24000.00} between XX/XX/XXXX and XX/XX/XXXX. Thanks to their steering me towards forbearance, after paying over {$18000.00} in payments as I write this, I owe a total of {$29000.00}. After making an average payment of {$120.00} dollars since my first payment in XXXX, I owe MUCH more than I ever took out.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: Navient does not allow access to a monthly statement via their web portal. I am also unable to receive a 30 day loan payoff from my online account. This is deceptive as they do not want you to have this information as you could pay off their loans quicker of shop for more competitive rates.
Company Response:
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: They changed their website in XXXX which made it difficult to make online payments. Ive always paid my loan and this is the last year of payments. They raised the interest with no explanation. It took multiple times to pay it and often they didnt pull out of my account. I called yesterday because I found out they reported 60 days late. They told me its my problem not theirs. I opted for direct withdrawal and they told me if it doesnt come out of my account it is my problem. This is a bad way to do business. I dont have time to babysit their payments. I have good credit and I dont have time to babysit a lender. I want it off my credit.
Company Response:
State: MA
Zip: 02131
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A