Date Received: 2019-04-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Since XX/XX/XXXX, I have been requesting for Navient to provide me with my student loan information. I provided Navient with my new address multiple times. However, I never received a bill. My new address is on my payments also. Navient refuses to provide me with any information regarding my loan. I do not know my current status. I have been sending my last known payment amount of {$25.00} each month though. I also need my student loan information to file my taxes. It's not fair for this company to report me to credit bureaus when they refuse to provide me with any information. The last time I contacted them was XX/XX/XXXX. I still haven't received a response.
Company Response:
State: MS
Zip: 39402
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Navient was my previous loan servicer and they misinformed me about my eligibility for the Public Service Loan Forgiveness program. I was told in 2013 that I was in an income based repayment plan and discovered via a XXXX XXXX XXXXXXXX article that discussed similar complaints. I tried to address this issue which transfered my loans to a new servicer, XXXX which was also not helpful in fixing my problem. I need all recordings and documentation from Navient in order to support my case that my payments should have qualified under the PSLF program. I called Navient today and they will not release my recordings without a subpoena which is beyond my means to get. Please assist.
Company Response:
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-03
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hello, I am incredibly concerned and frustrated with the way Navient has handled my student loan repayments, and after researching the current cases against them. I wanted to share the issues I have had with Navient since graduating in 2012. -Once graduating in 2012, I began to repay my loans using the income driven repayment plan. I chose this option because the cost of my rent, car and household bills took up most of my low income. My payment was around {$100.00} and I faithfully paid it every month. After 4 years my payment NEVER decreased. I was only covering interest, and was charged hundreds of dollars in capitalized interest each year. It is clear that they were pushing students to choose this plan to make the company more money in interest. Why would navient include a payment plan that would never pay off your loan? Because it was more money in their pocket. -Once I realized what was happening with the income driven plans, I switched to a graduated plan and began throwing any extra money I had toward my loans. The website has an option to allocate where extra payments go. I chose to tackle the highest interest loan and was putting all my additional payments toward that. There is also a place on the website to tell navient to either push out your due date when extra payments are made, or keep billing you the monthly amount. I specifically checked off the box to have them continue billing me for my monthly amount. However, over the years I have had to call and complain because they ignore this request and advance my due date on some loans. I believe they advance the due date on some loans so they will be able to charge capitalized interest. -The most recent issue I had was when I decided to go back to school to get my masters. My company paid for me to take a class, and I did not opt for any financial aid. I did not request for ANYTHING about my XXXX loans to change. A month into taking this class, I got a letter from Navient saying that my loans had been put into deferment because I was a XXXX XXXX XXXX. I DID NOT REQUEST OR APPROVE THIS. I had to call Navient to request they take my loans out of deferment. A month later I was charged {$61.00} in capitalized interest, despite having paid {$600.00} extra payments every month for 6 months. During the phone call I was told that the {$61.00} was for the 15 days that my loans were in deferment. That 15 days was the time it took for them to send me a letter informing me of the deferment. I check the website weekly, and it never said I was in deferment anywhere online. I also found out during this phone call that they had again been moving my payment due date a month forward with each extra payment I made. Therefore, some of my loans were accruing the capitalized interest WITHOUT MY KNOWLEDGE even though I had specially checked off the do not advance my monthly payment on the website. The woman on the phone told me that their system did not have it checked off. I am extremely frustrated with this company, and I worry for those new graduates who might naively assume that their minimum payments are making a difference in their loans. Students are trusting this company to handle their payments correctly, and Navient continues to cheat us out of thousands of dollars. Their communication is unclear and inconsistent. I now fully read my entire statement every month and compare it to my online account to make sure the information is correct. It almost never is. Something needs to be done to give students a fair chance at loan repayment. Thank you for your time, XXXX XXXX XXXX, NH
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-03
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have reached out to the department of education regarding the student loans for XXXX XXXX XXXX college with no help. I did inform them that the student loans were paid in full and was advised that they were not. i did reach out to XXXX XXXX Executive Director of Financial Assistance Services who also confirmed the loan were paid in full. I did receive the documentation that the loans and there are four of them are paid in full as well per Navient credit finance corp. these student loans for for the period of XX/XX/XXXX XXXX. I have tried to reach out to the umbootmans office however they advised they once they have an electronic signature they can put that signature on any document they want to and that proves i owe whether i do or not does not matter. I did ask for the call to be escalated and i never heard nothing back. I have also contacted the IRS since it was the XXXX taxes that was taken which should not have been. This issue is not resolved and i have attached proof the loan was paid off.
Company Response:
State: VA
Zip: 24012
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-03
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: nAVIENT HAS MIS-ALLOCATED MY PAYMENTS. I HAVE PAID THEM OVER {$6000.00} ON A {$4900.00} PRIVATE STUDENT LOAN ISSUED IN XX/XX/2009. HARDLY NONE OF THE PRINCIPLE DOLLAR AMOUNTS HAVE BEEN PAID ON. ADDITIONALLY, WHEN I HAD TIMES OF ECONOMIC HARDSHIP DUE TO JOBLOSS NAVIENT DID NOT PROVIDE INCOME DRIVEN LOWERED MONTHLY PAYMENTS. THEY STEERED ME INTO PROGRAMS WHICH WAS ONLY TO BENEFIT NAVIENT.
Company Response:
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-03
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Student Loans were originally serviced by Sallie Mae. In XXXX, I filed Chapter XXXX bankruptcy and they were included and they were discharged in XXXX. Now Navient continues to try to collect on the original loans. I have contacted them and they say that I still owe debt. So as result i applied for forebearance. Navient is under federal investigation for this very issue ( trying to collect on debt after it has been discharged through bankruptcy ).
Company Response:
State: KY
Zip: 40509
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My loans are serviced through Navient. I have been on the REPAYE program for 2 years. I receive all of my correspondence from Navient through email including a debit warning and payment confirmation every month. I did not receive a notice about my annual renewal for REPAYE and missed the deadline to recertify by 2 days. There was a single notification in the Navient Inbox with all of the payment confirmations that I get by email but this one was not sent to me.
Company Response:
State: NY
Zip: 14226
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-03
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: IN THE SUMMER OF XX/XX/XXXX NAVIENT WHO IS A SERVICER FOR SALIE MAE HAD ME ON THE RATE REDUCTION OF 4 %. IN XX/XX/XXXX THEY INCREASED MY INTEREST RATE TO 15 % AND THE PAYMENT TERM ALSO INCREASED SO I AM PAYING MORE INTEREST THAN EVER. THIS RATE IS SAME AS A CREDIT CARD AND ITS VERY UNFAIR. I HAVE BEEN PAYING ON TIME ON A AUTOMATIC DRAFT AT THE 4 % INTEREST RATE. I CALLED NAVIENT AND ASKED THEM WHY THEY CHANGED MY RATE TO 15 % AND THEY SAID BECAUSE MY CO SIGNER CAN AFFORD THE 15 % AND ALSO BECAUSE THE INFORMATION ON THE CREDIT REPORT. MY CREDIT HAS BEEN THE SAME FOR THE LAST 5 YEARS. I THINK THIS IS A DECEPTIVE BUSINESS PRACTICE BY NAVIENT AND ABUSE TO POOR STUDENT THAT IS TRYING TO MAKE A LIVING. PLEASE TALK TO NAVIENT TO LOWER THIS INTEREST RATE AND DISCLOSE THE TERM OF THE LOAN.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Navient is charging me for a loan that was supposedly exonerated over 10 years ago. They've bullied me into making several payments so it could take the negative effect off of my credit report and be up to date. 10 years ago my mother took out a student loan in my name with my step father as the co-signer. Shortly after, my dad had gotten cleared for XXXX XXXX veterans XXXX which allowed me, as his dependent, to utilize his benefits that paid for my college finances. Because of this, the loan was no longer needed and my mom had it exonerated. Only for 10 years later to pass and I am being charged for this! I do not have the funds to pay this loan and do not feel I was fairly approached and educated on this matter.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-02
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I attempted multiple times to come to a resolution with Navient concerning my private loan repayment options. I was lied to and told I had a co signer which I did not to try and scare me into making higher payments. I was then told I couldnt be in default and get on a lower payment program so I paid money to get out of default to only then be told by the next representative that I had to be in default to qualify for lower payments. I have now had to settle this debt with a debt collector to avoid garnishment. I was given an {$18000.00} loan with no job and no co-signer but a very high interest rate. This is bad and potentially illegal practice to do to children that they will suffer for the rest of their lives rather than just denying them.
Company Response:
State: OH
Zip: 44515
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A