Date Received: 2019-04-02
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been making monthly payments on my ten student loans serviced by Navient. My payment is {$370.00} a month dispersed to all ten loans. I specifically send an extra payment of {$300.00} to loan number ten which has the highest interest but lowest balance. I'm doing the " snowball '' debt pay off. In XX/XX/XXXX I decided to take a course toward my XXXX 's through XXXX XXXX XXXX University. I did not take a loan for this course or request any change in my current loan agreement with Navient. My employer offers tuition assistance. In XX/XX/XXXX I noticed that I did not receive a monthly statement from Navient for my monthly payment. I went online to check my account. I noticed all my loans were put into forbearance without my permission. They also put my parent 's Plus Loans into forbearance. I called Navient to reverse their action all while continuing to pay my monthly payment and extra payment to loan ten. Navient 's explanation was a bogus excuse. In my opinon, Navient should not have the ability to change the status of my loan payment without my permission or request. I never requested that my loans be put into forbearance. My recent statement dated for XX/XX/XXXX has me confused and angry. Not only did I never stop making payment to Navient at any time over the past three years, but they somehow charged me compounded interest for the time that they placed my loans into forbearance. I have called them to have the interest removed. I asked for an explanation. They blamed XXXX XXXX XXXX University for placing my loans into forbearance. I was also told that the {$61.00} OF CAPITALIZED interest will not be removed. Navient is corrupt. I am also writing to the New Hampshire Attorney General. I have done my research. Navient is being sued for unlawful practice in many states. If Navient is allowed to do this type of bait and switch practice to someone like myself who has always paid my loans on time and has even paid extra every month, I can only imagine what they are doing to others. This needs to stop! Please do something about Navient.
Company Response:
State: NH
Zip: 038XX
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: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Navient for a year has insisted that I have an unpaid late fee of XXXX. However if you look at my transaction history over the last two years any fees I have accrued were earlier last year and those were quickly paid off. I have over paid on my monthly payments, so it would make sense that I shouldn't have any late fees. I tried contacting Navient directly, but they weren't helpful. When trying to contact them a second time to try to get them to tell me exactly when that late fee was assessed, they haven't answered me. Each billing amount includes that late fee. The fee of XXXX goes as far back as May of last year. I have included my transaction history, the bills from XX/XX/2018 to the present, and the response Navient gave me when inquired about the late fee.
Company Response:
State: MI
Zip: XXXXX
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: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: RE : I receive unsolicited call from Navient to employer, creating a hostile work environment Date : XX/XX/2019 Time : XXXX Issue : Navient continues to try to establish contact with my employer regarding a student loan. Navient also engaged in exposing personable identifiable information. This is a violation of the consumer protection act. Navient has been advised and issued a formal notice of this particular illegal practice/action many times before but continuing to proceed and completely disregarding the checks and balance. Please be advised-
Company Response:
State: NJ
Zip: 07032
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A separate account owned by, XXXX, aka XXXX XXXX XXXX, aka XXXX XXXX, aka XXXX XXXX XXXX, aka Navient owned two of these accounts. I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX to what was XXXX XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame.I did not receive a response letter at any point. I then received a second bill in the end of XXXX as well as the Agency continued to report to all three major credit bureaus on my behalf and also was at this point referencing to themselves as XXXX XXXX XXXX XXXX fka XXXX XXXX I sent a second request for validity XX/XX/XXXX I received a response letter from XXXX XXXX XXXX XXXX C/O Navient stating they are " unable to verify '' and requested more information, requesting additionally social security number and date of birth as well as other information that was provided originally to them already it is my understand of the Fair credit Act that I do not have to provide my date of birth or social security number to them as them are simply trying to verify this is my debt, to collect.I then sent a third certified, and notorized letter requesting a validity including my date of birth XXXX XXXX have not received a response from any of all of the above referenced collection agencies as of today 5 months since original dispute.
Company Response:
State: AZ
Zip: 86314
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: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XXXX I received a notice from Navient that my student loan payment would go from {$42.00} to {$880.00}. That amount is beyond my limit at this time. I am XXXX XXXX XXXX and my XXXX XXXX amounts to {$2100.00}. I requested a graduated lower payment because i have an expensive car payment and high medical bills at this time. I will have these paid within the next 12 months. I have made repeated calls to Navient. On XX/XX/XXXX I was told that the amount could be reduced to {$570.00}. That amount is still too much. I could pay about half that much. Can you assist me in this matter?
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Issue # 1 Unauthorized account activity by Navient. Payment options for loan were turned off causing a loss of a .25 % reduction for over 18 months. Federal loans and other loans lost the .25 % reduction benefit to the account. I was told that I would be contacted so this could be addressed and benefit reapplied, yet years later, this has not been addressed even though this is Navient 's fault. Issue # 2 Never received proper information for Income Based Repayment, IDR and forebearances and deferments were marketed to account, so account lost short-term and long-term benefit of the income based repayment. Also, forfeiting months of the forbearance and deferment that has a finite number of months that could have been applied at a later date. Issue # 3 Account did not receive proper notification that the auto-pay was taken off around XXXX and XXXX by Navient causing the .25 % loss of benefit on the loans. Issue # 3 When paying loan, payments are not directed toward the correct loans causing loan to be viewed as delinquent when they are not. Payments are incorrectly directed toward loans that have {$0.00} due and not loans with an amount due, even though payments are clearly labeled to be made to those loans with amount and loan number. Issue # 4 Unable to make payments to account online, banking accounts linked to Navient for years now being asked for verification, no other way to pay online I.e. debit, credit cards making payment options limited and difficult. Banking information previously applied and valid for years are now being asked for verification with no reason. Being asked to provide notice that the account is valid, even though the same account has always been linked to Navient for several, several years. So I am asked to take time to ask bank to provide a letter that says the account is verified without any notice of Navient and no reason given. Issue # 5 Improper account notification when things affect the account causing improper delinquency, no mail or email when Navient mishandled account and turned off auto-pay on accounts around XXXX and XXXX. No notification saying they applied payments to wrong loans causing delinquency. Issue # 6 Improper and negligence actions toward the account, when application for IDR was never applied to the account and told it was sitting in fax machine around XXXX and because of Issue # 4, proper notification never occurred. Department of Education instead extended notification saying account was delinquent. If Navient workers properly handled paperwork and accounts, this mishandling of the account would never happen and it would have not inaccurately showed delinquency and risked adverse reporting to the credit bureaus essentially risking financial health. Issue # 7 Lack of professionalism when calling over years including XXXX, XXXX. Lack of responsibility and ownership in mishandling the account. When called XXXX XXXX XXXX in XX/XX/XXXX and XXXX XXXX answered, when I started to talk she hung up on me. Called back despite requesting auto-call back, which was unsuccessful. After speaking to XXXX XXXX Spoke to supervisor XXXX XXXX on private loan side, after which she was going to transfer me to the Federal loan side and to speak with a supervisor, she said I could ask for one, I explained that I had already been on-hold for several, several minutes each time and on the line for over 43 minutes and asked to be directly routed to a supervisor to which she agreed. I was on hold for a longer time and she disconnected the call. I had been on the phone nearly an hour and she hung up on me. Was told during call the misapplication of the payment could be retroactively applied correctly to the account, but received a less than sincere response that this could be done for the lossed benefit of the auto-pay deduction that was dismissed by Navient costing the account a .25 % deduction for over 18+ months without my authorization, knowledge, consent and notification. Why is Navient quick to retroact on behalf of itself and not the account, when retroaction would benefit the account and it was Navient that caused the issue of the auto-pay being turned off around XXXX and XXXX. Issue # 8 Asked who Navient reports to I was told they report to no one. Asked to speak with someone who would be able to rectify this situation, they said there is not a specific department or anyone I could speak to about this and transfered me to supervisors.??? See Issue # 6, that's probably why they hung up on me, because they do not want to deal with these issues Navient has caused on the account. Issue # 9 Asked who Navient reports to I was told they report to no one. Asked to speak with someone who would be able to rectify this situation, they said there is not a specific department or anyone I could speak to about this and transfered me to supervisors.??? See Issue # 6, that's probably why they hung up on me, because they do not want to deal with these issues Navient has caused on the account. XX/XX/XXXX Income based repayment plan, recertified. XXXX XXXX a supervisor. However, I actually recertified several months prior in XX/XX/XXXX. Received information from Student Higher Education that I was late saying I missed 3 payments. Was not supposed to be in repayment anyway risked negative credit reporting. Received zero contact from Navient in writing nor email nor call. Asked for documentation that it would not affect my credit never received any mail to date. Actually, received a pre-dated document saying I authorized a forbearance, which I did not authorize. Navient is acting as fraudulent vipers who make up things regarding loans to benefit its bottom line. Additionally, on previous calls they said forbearance was only option and did not tell me about the income based repayment form. When I finally learned of this option and sent in a form it was improperly handled and never processed when it was handled because of a slight difference in the form. Navient said it sent a denial, but this is untrue an one was never received nor any call, email, mail saying that. I was told the form was an expired form. I received and downloaded a new form. Also, on the form I used the expiration date of the form listed was much later. Old form had 12 pages, new form had 10 pages and the information was exactly the same by DOE. They said the old 12 page form expired in beginning of XXXX. The form that I submitted had an expiry date of XX/XX/XXXX, and thats the unexpired form I submitted. Both forms are the same. All they had to do was transfer my information on the new form. Additionally, the XXXX pages of the form that they actually use has the same information. While explaining this and speaking with XXXX, I hear laughing in the background. XXXX escalated case manager, Employee Code XXXX. Who told me they have to use the new application or a newer application. Why was my application not considered a newer applications which is what I had submitted? This makes no sense. Navient changes the rules as it sees fit. If I had not called in then, they would have wrongfully marked my file as late, because it was just 7 days away from being reported to the credit bureaus! This is negligent! Want the additional credits retroactively applied to account. I would like to have the IDR plan applied for months that I was pushed the forbearance and deferment and reclaim the months of forbearance and deferment lost on the account. I did not receive a letter saying the income payment was denied, I did not receive a call, I did not receive any email. I did not receive any correspondence from Navient! I did not receive any correspondence saying I was in repayment. The only notification I received was from Department of Higher Education. Additionally, the auto-debit was cancelled without my permission. How is auto-debit cancelled for one group of loans and not the other? Auto-pay was terminated on XX/XX/XXXX for the account for one group of loans, but not for the other. Who is accessing the account making these unauthorized changes. Never received any information about who turned off my auto-pay, who did that?! Payment wasnt processed from the account. Navient, unauthorized a previous payment due. Navient never processed IDR for XXXX and XXXX in a timely manner. They left paperwork sitting at a fax machine, never processed payment and then in XXXX they failed to process the application because it was out of date and never informed me. They never sent any email notifications about my income based repayment. I never took off the auto-pay, and I should have been and should be getting the .25 % reductions on the account for over the past 18+ months. I would like a back-date of all the interest that was charged on the account. The .25 % interest that I was charged needs to be refunded to the account, because I was never informed that the payment was over 18 months of extra interest coming on the account. Please refund the additional 18+ months of not benefiting of the additional .25 % reduction to the account. On XX/XX/XXXX Spoke to XXXX XXXX who said she could apply the amount due back on the correct loans ( Signature Student loans ) and said she asked supervisor XXXX XXXX who said nothing could be done. Spoke to XXXX and expressed all issues listed here including 4-9 which I also recently dealt with. Thank you.
Company Response:
State: NY
Zip: 10457
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: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been paying my student loan every month for almost 12 years. I have never had a problem until a couple of months ago. They raised my payment {$250.00} more a month even though I made {$6000.00} less than I did last year. I have been paying {$190.00}. a month. I have mailed them 3 different Income driven repayment plans with a copy of my XXXX showing I made XXXX last year. They keep emailing me saying I made XXXX so they are basing my payment on that amount. I emailed them 3 times now saying to please look at my XXXX that shows I made XXXX but they email me saying I made XXXX. I will be XXXX in XXXX and I feel as though this is elder abuse. I have told them I can not pay the 450 a month. I have called several times but there phone number is for the XXXX, they have no number for the USA. The people in the XXXX put me on hold and say there computer is down and they can't help me. The student loan company is Navient. I want to pay my loan but I want it to be based on my income not the income they are saying I made. Please help. Thank you
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/2019, Navient withdrew {$790.00} from my checking account without my permission. This left me with {$46.00} for the month. I did not realize the withdrawal had been made until late in the evening on XX/XX/2019, which was a Friday. Navient was no longer open and is not open on the weekends, so I had to wait till Monday morning to call them to request it be returned to my account. I was told that the earliest the money could be refunded was 30 days, but they would mark it as urgent, which would mean it would be refunded between XXXX XXXX, which was still 2-3 weeks away. I was told by Navient that they took the money out because I had put it on autopay, which is completely false. I don't have a steady income, and would never put my account on autopay. I have nothing on autopay. Again, after they took the money from my account, I only had {$46.00} left in my account. Once the other pending charges from the weekend went through, my account went into overdraft, and now I have overdraft fees. This has caused literally all of my other responsibilities to be late. I can't pay for my health insurance, I can't even afford to put gas in my car so I can't get to work.
Company Response:
State: TX
Zip: 78217
Submitted Via: Web
Date Sent: 2019-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-01
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I am presently in a rate reduction program with Navient because my student loan balance is very high ( {$170000.00} ). I would not be able to afford the regular loan payment ( approximately {$1100.00} per month ). My current loan repayment percentage rate is 3.25 %. My present payment amount is {$670.00} in the rate reduction program. On XX/XX/2019 ( today ), I called to extend the rate reduction program and was told that the amount would increase to 4.25 % with a monthly payment due in the amount of {$800.00}. The representative and I went into great lengths about all of my monthly financial obligations and the payments that I make a month ( mortgage, credit cards, utilities, etc. ) and it was found that I am in a negative status each month after all payments. I spoke to the representative and told him that I would not be able to afford that increased payment ( {$800.00} ) with my financial obligations and other loans that I would have to pay especially because after all my financial obligations are paid, I am in a negative status. I asked to speak to a supervisor and was transferred to a unit collections manager, XXXX XXXX. I told Mr. XXXX that I would like to keep my payment at the same rate because at this time, that is the payment I can afford. Mr. XXXX told me that he did a background check on me and checked out the house that I live in and the cars that I own. Mr. XXXX said that because of the house and cars that I own and drive that I should be able to afford {$800.00} payment. I told him that I am unable to afford that amount with all of the financial obligations that I have. He told me that he does not have to offer me any lower payment or lower my interest rate at all. I told Mr. XXXX that if he does not keep my payment at the same amount that I would have to default on my loan. Mr. XXXX said that it doesn't matter if I default on my loan. Mr. XXXX refused to even negotiate with me and keep my payment at an amount that I can afford. I asked Mr. XXXX to tell me the name of his manager and he told me her name is XXXX XXXX and gave me her phone number. He refused to give me an address for her even though I prefer to send my complaint in writing to Ms. XXXX. Mr. XXXX told me that it would do me " no good to contact her '' and that she would not try to assist me even further.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2019-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Over the course of XX/XX/XXXX, I have directed two seperate over payment s on student loan accounts handled through Navient. One payment was made on XX/XX/XXXX, and the other on XX/XX/XXXX. Payment Confirmation # : XXXX Amount : {$400.00} Scheduled for : XX/XX/XXXX Payment Confirmation # : XXXX Amount : {$300.00} Scheduled for : XX/XX/XXXX I recieved confirmation emails confirming the payments have posted, and can see the funds have been removed from my bank account. However, these payments are not reflected on my navient account at all. The Navient website states the information is up to date on the for the day the information is accessed, and that it my take up to two days for payments to reflect on the account. It is now XX/XX/XXXX, XXXX payments are not reflected, and the one of the payments is almost a month old. I would call navient, however my work hours make it difficult to find time as I work a lot of overtime, and they have failed to provide an email address or other contact method. I would like to know why my payments have not been reflected on my student loan accounts and weather or not further interest has built up as a result. I am a current student and do not currently have monthly payments due.
Company Response:
State: OH
Zip: 44720
Submitted Via: Web
Date Sent: 2019-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A