Date Received: 2019-04-10
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: There is an alleged lawsuit against XXXX which it states that they along with Navient ignored borrowers best interests in violation of its government contract to prevent borrowers from moving to XXXX XXXX the student loan servicer that administers the Public Service Loan Forgiveness program ), so that Navient could continue to earn fees. I have contacted the department of education which says XXXX is the company assigned to deal with this account. I spoke to them and they disregarded several critical questions and did try to attempt to offer me loan forgiveness when the account information is not accurate My income tax was offset which this company was given this money when I called to complain about they gave me a contact number with department of education and when contacting them in was referred back to them getting the run around
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient hold all my student loans. I have made arrangement for these loans to be paid of thru another entity " XXXX ''. I've received the payoff amount of all loans and the new entity sent a check with the full amount to Navient. Navinet failed to apply the money {$69000.00} and it is being held with them. To make the matter worse, they've reported that I've opened a new account line of credit with them for {$69000.00} and my credit score FICO plummeted 72 pint overnight. I have been trying to correct the situation with them with no avail. They keep switching me from one customer service to another and I get a different story every time. I am attaching a copy of the pay-off amount, the check that was sent to them and their online statement that shows the money being held with them.
Company Response:
State: CA
Zip: 95348
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I had my school loan, taken through XXXX College, XXXX, NY, in XXXX. I had paid on the loan for many years. I was told through my employer with the XXXX XXXX XXXX XXXX XXXX that I could apply for the Public Service Loan Forgiveness Program OMB No. XXXX. The form was completed XX/XX/XXXX, and later was sent a letter that I was denied for the loan forgiveness program. I currently work as an XXXX XXXX Office ( XXXX ), and I qualified for the loan forgiveness under Public Health. I work in the IXXXX XXXX, in XXXX, NY XXXX the XXXX XXXX XXXX XXXX in the U.S. I have met the qualifications with payments made to Sallie Mae/ then transferred to Navient, as well as the Public Health status ( under Section 6 ). If you can please follow-up, on the specific reason why I did not qualify, I would appreciate. I have read that there are actions being taken against the servicer Sallie Mae, and would like a written reason for the denial and how the process is done, and what qualifications meet the criteria, as I believe mine does. I have been employed with the XXXX XXXX since XXXX, and with the XXXX XXXX, since XXXX. Once denied I took a personal loan, which I am still paying now, which gave me a lower interest rate. As I was told by the service that my payments in XXXX, would have been {$900.00} a month, which I would not be able to afford. Thank you for your time and assistance with this matter.
Company Response:
State: NY
Zip: 14211
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My student loans were serviced by Navient who repeatedly recommended and encouraged me to go into forbearance in XXXX and XXXX rather than make qualifying payments towards what would have been public service loan forgiveness ( PSLF ). This has extended my loan obligation and will in the end cost me thousands of dollars. It is only now coming to light through various reporting that this was a deliberate strategy on their part to get borrowers off the phone. I would be happy to provide whatever evidence is necessary for CFPB to take action against Navient for intentionally misleading borrowers.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX XXXX had taxes taken XX/XX/2019. Wages garnished starting XX/XX/2019. Have call multiple times to find out the pay off / settlement amount of loan with no response. Left an Email XX/XX/2019. No response!!!! Haven't been sent any statements regarding balance or amounts taken. Deferment refused due to not consolidating my loan with my wife 's. My wife doesn't have any loans. They admitted they made a mistake and than started taking wages.
Company Response:
State: CA
Zip: 93725
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: XXXX faxed to Navient an IDR renewal form along with my tax form XXXX XXXX received notification in Navient online account Expired IDR Application Received Please Reapply XXXX responded in Navient online account I faxed IBR forms and Tax documents on Monday XX/XX/XXXX. Please process and apply to my account without delay. ( my other loan servicer has already processed IBR ; also faxed to them on XX/XX/XXXX ) *note* my other loan servicer is XXXX. XXXX received notification in Navient online account Expired IDR Application Received Please Reapply XXXX received communication from Navient Delinquency Notice : 60 Days XXXX called Navient and was told they would process my IDR because it was actually not expired but needed to use Forbearance in the meantime XXXX received notification in Navient online account Expired IDR Application Received Please Reapply XXXX received Navient Monthly Bill Reminder for regular amount due, late fees and Capitalized Interest XXXX called Navient and was told that Forbearance ended XX/XX/19 and full payments are past-due ; IDR has not yet been processed. I requested that someone review my account and process my pending IDR renewal form. XXXX received email stating that I can apply for IDR or reply yes to get Forbearance
Company Response:
State: CO
Zip: 80221
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The student loan was cancelled by XXXX college in XXXX XXXX for non attendance due to student XXXX XXXX with online classes. And has billed the student for the loan amount. The college has returned the loan amount to the department of education for non attendance due to XXXX XXXX with online courses. Navinet is reporting that loan debt on credit report which is inaccurate information due to the fact that the loan amount was return by the college.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: My main issue is this loan was taken out when I was XXXX old. I'm now XXXX years old in XXXX. I just paid off my original loan amount of {$10000.00} last year. When I paid this loan off in XXXX, I still had a balance of {$7000.00}. I would still be paying for this loan if it were not for obtaining some financial help. It's just sad how long I paid for a loan that the school ended up closing because it was basically a scam school. So not only do I have an Accounting Certificate from XXXX XXXX XXXX that means nothing but I also wasted a lot of money in interest and principle paying for an invalid school. I did not know better when I signed up for this school. It's too late to take back what happened. I'm a person that pays their bills so I was never late on a payment. It's good that the school can not do this any longer, but I could finally have a sense of relief when that loan was paid in full.
Company Response:
State: MO
Zip: 64055
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Hello, On XX/XX/XXXX, I received a letter from the California State Controller 's office that a business had money that was due to me. The business is Navient Corporation ( Unclaimed Property Department - attention XXXX XXXX ) and the money due is from a settlement Navient owed in regards to my student loan repayment. I submitted the information that was requested on XX/XX/XXXX. On XX/XX/XXXX I received the following response : 'We apologize for the delayed response. We've experienced a higher than normal response rate. We received your letter and have submitted your claim for processing. You may expect a check in the mail within 8-10 weeks. ' On XX/XX/XXXX I emailed to inquire if I would still be receiving my check within the 8-10 week time frame stated. That same day I received an email from XXXX XXXX stating ; 'Your claim was processed, and a check should be arriving to you within the next 2 weeks. We appreciate your patience. ' After the two weeks passed I emailed again on XX/XX/XXXX to say I hadn't received the check and was inquiring as to when it would arrive. I have not received a response and the number for XXXX XXXX , ( XXXX ) XXXX, listed on the original form sent to me is only a recording and does not allow you to leave a message. Thank you.
Company Response:
State: KY
Zip: 427XX
Submitted Via: Web
Date Sent: 2019-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I have private XXXX XXXX Loans through Navient which was formally Sallie Mae. I took out a private loan in XXXX while attending the XXXX XXXX XXXX. I was paying out of state tuition with the XXXX XXXX XXXX because I was from XXXX XXXXXXXX, XXXX and they considered that out of state. Since tuition was three times as much, I was informed that I would have to look for other options for tuition because I had exhausted my federal loans. I wanted to complete my degree in XXXX so I was provided Sallie Mae 's information. Upon contacting them I was approved for a private loan without a co-signer. I am not sure how because I never received nine separate loans but my total original loan between all the separate loans was for {$63000.00} with interest rates from 10.5 % -11.5 %. Now realizing how ridiculous this is, I feel I am forever in debt due to poor decisions when I was a XXXX in college. Upon graduating, they wanted a payment of {$1200.00} a month which was more then 50 % of my monthly income at the time with over {$700.00} being interest only. I was told that since I couldn't afford it, forbearance was the best option. As we know, this just racks up the amount owed so you are even further in debt. At that time though I didn't have an option. I would make payments the best I could but I wasn't able to afford anything else. Now in XXXX, Navient has now taken over my loan I owe a total of {$140000.00} which is more then double the amount of the originally loan. Furthermore, I was unable to live with my first degree and my student loan debt so I looked at other career options. All I ever wanted to do was to help others so I went back to school for XXXX. I did not take any loans for Navient for my current career. I graduated over three years ago and am still struggling with Navient. I was approved on a few occasions for hardship but the payments were {$600.00} a month and when rent and other necessary living expenses are a priority, Navient was not. When I would get behind, I would get up to three to five calls daily. Upon speaking with someone about my being behind I was even told that they would take my drivers license and XXXX license if I did not pay. This of course is my only way to survive so I would make a payment and get behind on other things scared that I would not have a way to make a living. In XX/XX/XXXX, we had our XXXX child. I honestly never thought I would have children even though I always wanted to be a mom but with this debt I didn't think I could afford to take care of anyone because they make it impossible. Upon going on maternity leave, I asked if I was able to stop my current payment of {$600.00} a month for XXXX months because I was going to be off on unpaid XXXX leave. I was told no. So my last payment was in XX/XX/XXXX. They currently want nine separate payments totaling {$8300.00} for my monthly payment. I don't know how anyone could pay that. Furthermore, since I have no way of paying the company, it has ruined my credit and states that I am behind on nine loans. Although they only want one ridiculous payment. They also call me five plus times a day from numerous numbers. They have started calling friends, family members, and friends of family that I have no association with looking for me. They contact my work leaving me messages, have spoken with HR requesting information, and send me faxes stating that I have to take immediate action. I have looked at hiring a lawyer and am at a loss of what to do. There is no way I can pay what they want and the fact that the interest has more then doubled since taking out the loan, there is no way I will be able to pay off this debt. I do not understand how they are able to get away with the loan amounts, interest rates, payment options, and harassing people when they make it impossible to pay. Thank you for your help. You have no idea how much stress this has caused my family and I.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A