Date Received: 2019-04-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been trying to make big payments ahead of and in addition to my " scheduled payment ''. This past week on XX/XX/2019 I had ( using their 'custom payment ' option ) specified 2 overpayments in order to get rid of my loans ... I made a payment of {$660.00} on one loan specifically which would have left the loan within {$2.00} of being completely paid off. However, upon logging back in I saw that Navient reallocated the payments how they saw fit leaving the repayment of the loan at {$470.00}. This is not the first time I have had a problem/question with the ethics of how their practices work. I have been making continuous payments for well over a decade with Navient assuring me that I have to pay off the pre-set interest before I can work on the principal of the loan ... well cut to earlier this year when I questioned them about the fact that I am still being charged ridiculous interest and I did NOT get a satisfactory answer. Only that, " I can look at the history of my student loan by logging into my account. '' I am having a REALLY hard time getting a solid answer and after this last specified payment being allocated as THEY see fit which conveniently leaves me owning them more interest/money really has me questioning their ethics and their practices.
Company Response:
State: CA
Zip: 90815
Submitted Via: Web
Date Sent: 2019-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-15
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: XXXX XXXX has repeatedly made calls to my office extension during the month of XX/XX/2019. On Thursday, XX/XX/2019, XXXX XXXX XXXX made multiple calls to my extension. When they could not reach me on my direct line, they called the front desk and called other extensions. They also made harrassing calls to three of my co-workers on their personal cell phone ( not work related ). I never gave this company numbers of my co-workers. I did not even know my co-workers ' cell phone numbers, so there is no way that I gave this company their numbers as a reference. So that means that they had to breach the privacy of my co-workers to find their personal cell phone numbers. This is despicable and can not be legal! On Friday, XX/XX/2019, I emailed, faxed and mailed XXXX XXXX XXXX a letter telling them to only contact me in writing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2019-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-15
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: This school was closed recently in 2018. Can my student loans be discharged?
Company Response:
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2019-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-14
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 had reluctantly consolidated student loans in XXXX. At the time, the interest rates were extremely high, and remained the same throughout the entire loan. I have had extreme duress trying to keep up with simply keeping information current. Repayment options were vague at first, then in XXXX, I was seemingly forced into another loan ( closure of one, opening of another ) for better terms. During the process, I was assured my credit would not be affected negatively ( XXXX ) and prior to that, in XXXX, I had a defferment/forebearance that recently started showing negatively on my 'closed ' loan. Why all of the sudden the negative filing seems amiss. I filed a dispute with the three credit reporting agencies, the first to respond as XXXX, and in the response, it showed further supposed deliquencies ( XXXX ) then had been showing prior to my credit reporting dispute. While I do not agree with the practices of Sallie/Mae-Navient, it is a monopoly and I am driven by their policies and misreportings. My credit, is impeccible, aside from their mis-reportings and it is causing true duress to my current financial ability to prosper similar to those without Student Debt.
Company Response:
State: NH
Zip: 031XX
Submitted Via: Web
Date Sent: 2019-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I had defaulted on my student loans in XXXX. I entered into a rehab program with Pioneer Credit Recovery. I have been making monthly payments faithfully. The agreement I signed with Pioneer promised that my federal tax refund would not be offset if I entered into a payment plan with Pioneer. They lied. In XXXX of XXXX, the IRS took my federal tax refund of about {$1600.00}. I contacted Pioneer and they told me the Dept of Education should not have taken my tax refund because I had entered into a payment plan and have been making payments. I tried calling the Dept of Education but they keep disconnecting my calls. I have sent both Pioneer and the Department of Education 2 Certified Letters requesting a refund and a hearing to dispute this offset. I have received no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2019-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I went to school from XX/XX/XXXX -- XX/XX/XXXX. I went to XXXX school at XXXX XXXX in XXXX. The school cost was 11,000ish, and after the grants we was to repay 6000ish back.It was a 10 year loan. We started making payments in XXXX to sallie mae. We have never been delinquent, but we have had a financial hardships. We have had 6 months forbearance a few times through out the loan. I believe it was in XXXX navient took over the loan. So I was trying to talk to navient, and they kept referring to the loan starting in XXXX. I have tried to tell them over and over, no this loan started in XXXX. My records indicate that I have paid XXXX towards this loan. Navient says I have paid 12,000ish just since I have been with Navient. That is not including what I have paid Sallie Mae. I have asked them to squash this loan. I have paid XXXX for a XXXX student loan!!! Oh it gets better, they say I still owe XXXX on the loan!! You have got to be kidding me! they want me to continue paying my XXXX until EVER!!! When its all said and done, even if I had the XXXX in cash to pay now. I would have paid {$23000.00}. Thats if I paid it off now, and I cant. So if I continue, your are talking about $ 30000ish for a {$6000.00}!! i am the sole provider to XXXX children!! I now own my own business and 5 of those XXXX children no longer live at home! This is simply unjust! I have asked for all the original records and pay history, and no one knows where it is! I wont stop until I get answers and this loan forgiven!
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2019-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-13
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Hi, My name is XXXX and I have a problem with my private student loan. I have a hard time to find a good time job with benefits. Please let me know what are my options? I need to find a full time job with benefits and I only get jobs with the employment agencies. I need to find an stable job and it has been hard for me. I am in the process of bankruptcy and I dont have money to pay for anything.
Company Response:
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2019-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-13
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have two co-signed loans with Navient since XXXX and XXXX. The loan I co-signed in XXXX is in the amount of {$15000.00} with a Current balance of {$24000.00} due to variable interest rate and the XXXX loan was for {$6200.00} with a current balance of {$6500.00} due to variable interest. The loans amount has significantly increased despite making agreed payments of {$260.00} for the XXXX loan and {$150.00} for the XXXX loans. Also, during the times my family and I faced financial hardship and were unable to make the minimum payment due to job loss in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My account was reported to credit bureau which negatively impacted my credit. I have been with Navient since XXXX and have even paid off a personal loan I borrowed. Have made timely payments for the loans I co-signed except for the months I was out of job and was not able to make payments. With the derogatory report on my credit, I am unable to get a home loan to move my kids to a better neighborhood and school. I have always paid my bills timely and feel I have been treated unfairly. Also, the interest rate keeps increasing making it impossible to pay off the loan. I offered sometime ago to negotiate a settlement due to this being a burden as I had just recently lost my job and the interest keeps increasing, the Navient customer service lady on the other side of the phone was rude and when I asked her to be nice, she told me that " her job was not be nice '' and when I reminded her she was on a recorded line she transferred me to a supervisor.
Company Response:
State: TX
Zip: 75252
Submitted Via: Web
Date Sent: 2019-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This is a follow-up to a complaint previously submitted to the CFPB. This complaint is being submitted simultaneously to the CFPB and to the XXXX XXXX XXXX via XXXX. Navient 's response to my complaint is misleading and ignores critical facts, as set forth below. I submitted to Navient the request to enroll my new bank account in AutoPay on XX/XX/XXXX ( See Ex. D, attached ), confirmed by Navients XX/XX/XXXX email to me. ( This email serves as confirmation of your request to enroll the loans below in Auto Pay. ) My old bank account had been enrolled continually in AutoPay for more than sixteen years up to that date. Navient had ample time between XX/XX/XXXX, when I submitted this information, and XX/XX/XXXX, to finalize [ ] the enrollment. Indeed, as Navients XXXX email to me shows, this was Navients expectation, since that email explicitly stated that the Estimated Start Date for the new AutoPay arrangement was XXXXthe same day as the next payment due date. I reasonably relied on the representations in Navients XXXX XXXX email, and expected that the AutoPay payment would be made from the new account on XX/XX/XXXX. Navient says that it was unable to extract my XXXX. XXXX, XXXX payment from my new bank, but gives no excuse why this was so, twenty days after Navient acknowledges I had furnished it with the information necessary for it take the payment. Any consequence of Navients unexcused delay in setting up AutoPaya delay Navient never bothered to report to memust fall upon Navient. Put another way, Navients statement that the account must be current is misleading. If the account was not current, it was because of Navients failure to timely set up AutoPay for the new bank when it had been given 20 days to do so. ( My mortgage servicer, to give one example, was able to activate my autopay capability with the same new bank within 24 hours of my request. ) At no time did Navient advise me that there was any difficulty in setting up the new AutoPay arrangements. Accordingly, the putative Administrative Forebearance was unlawfully imposed. I do not owe it, nor do I owe any expenses that flow from it. The arguments that Navient makes in its response about capitalizing interest, since they ignore Navients own responsibility for the delay in setting up AutoPay, are irrelevant. It also follows from these facts that my account was never past due, as Navient asserts. Even if these facts were not dispositive ( they are ), Navient also assured me through its customer service representative, on a recorded line, that my XX/XX/XXXX payment would constitute timely payment for XXXX, and that my monthly payment going forward would be readjusted to the proper {$230.00}. Navients failure to honor this commitment would, on its own, constitute an unlawful unfair, deceptive, or abusive act under Sections 1031 and 1036 of the Dodd-Frank Act. I invite Navient to review the recording, and the law.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2019-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-13
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Navient I submitted my income based repayment paperwork for Navient after they stated they didnt receive all of it. Once i did so, I received an email at XXXX that same day stating that my paperwork was revived. The young lady I spoke with stated that she would would move my payment date to XX/XX/XXXX to ensure that the paperwork had been completed she on XXXX end. Fast forward til today, Ive been charged {$850.00} dollars XX/XX/2019. I cant pay my rent or electrical bill. Whose gon na help me?
Company Response:
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2019-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A