Date Received: 2019-03-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: They offered help for a forgiveness application, but they never sent me the correct form to fill out. They dance around and avoided any and everything to said they could do to help me. Then they started all over again concerning how much I owed them, and how much can I pay them on the loan that XXXX XXXX used at their advantage. This was back in 1977.
Company Response:
State: MS
Zip: 397XX
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Navient calls me and my cosigner atleast 8-10 per day. Since I stopped making my payments because they went from around {$360.00} to {$900.00} they have been callin gme non stop- suddenly I am also getting random calls from weird telemarketers. I noticed a correlation to an increase in calls form Navient when ever I answer one of these telemarketer calls right after, like immediately after. Its like Navient knows I answered so they will call. I have asked some of the telemarketers flat out if they are associated with Navient and they stall and say they have never heard of that company- American- english speaking costumer service reps! This morning I got a call from a FL ( where I reside ) - Navient has been calling from PA and suddenly I answered a telemarketer call last night from a FL # and now Navient is calling with a FL area code. I asked the Navient rep if he was in FL- he stated he was not- I asked him if Navient is now spoofing # 's and he said Navient has offices ' all over the world- I asked if they had an office in FL- he said he did not know. Aside from this I have communicated to Navient numerous times that I can not afford my monthly payment. They will then send me letters in the email saying they understand and I should call in so they can help me. I call in and they are no help- they do not lower my monthly payment. I provide my income and expenses and nothing! They do not take into consideration that I am also paying on my fed loans- havent had a raise in 3 years and made less $ this year. I shared all this with the agent who began to ask me about my career decisions- why havent I looked for a better job ( I have ), why havent I taken on another job- I would need 3 more to pay them the money they want- because I made mistakes when I was young and come from an XXXX mother that did not know any better. The agent explained even though I was on a low payment plan before it must keep increasing because the goal of the lower payment plans is to work you up to your full high payment- whihc I just canno do. They {$360.00} I was paying monthly was basically money thrown away - has not made a dent with my interest rates. I told them I can not pay what I do not have- they keep repeating they are helping me by giving me a low payment- and I keep telling them its not a lower payment if I can not afford it and it is an increase from the originally lowered payment I was alreay struggling to make. Everytime I get off the phone with them I am in tears. What did I go to college for? They harrass me day in and day out!
Company Response:
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My student loans have been through Navient for a while now. I have 2 loans, one is from subsidized and one is from unsubsidized monies from school. balances, each at 6.750 % interest : loan 1 = {$5000.00} ( is pay off amount ) loan 2 = {$6200.00} Yesterday I went online and clicked payoff for loan # 1. I then made sure in the screen that allows you to direct your payment allocation that the full {$5000.00} is being applied to that one loan. So the full loan ( number 1 ) is paid in full. So now I should only have that one remaining loan to pay, with one interest rate. I go online today to make sure everything is processed correctly since the email just states my payment was applied. No, it was not. So the history on my account shows that I applied the full amount to one loan. BUT now they have taken the remaining {$6200.00} loan and split it into two loans again ... each having their own interest rate again! So now online it says I have ( both with 6.750 % interest again ) : loan 1 = {$2800.00} loan 2 = {$3400.00} This is wrong!! So I called and the representative said I applied the payment to both loans. No ... even online, while looking right at it while on the phone with him, it shows I applied it all to ONE LOAN. So I proved him wrong there. So I said, so on my online view and the front end everything was applied right and now you guys split the remaining balance in two loans again? SO you're wrong on the back end somehow that does not show on my account? He kept wanting to argue that I applied it wrong when i didn't. I asked how they are allowed to split a remaining balance into two loans ... or even yet ... would they then split it into three loans if they want to? I want to also be repaid for the interest being charged on two loans when I only have ONE remaining. So he said he was going to submit the request to have it put back to one loan and I will have to check in 5-7 days if this is fixed. My question is, shouldn't this be seen as illegal somehow? How can they turn one loan into two and apply interest to both like that? How many people do they do this to that don't even realize it and are paying more in interest than they should be? Now I wonder if any of my payments were applied correctly in the past as well?! I have always paid on time ( for 12 years now on time! ) and for the last handful of years I have been making double payments. This now makes me very nervous to think I have paid more than I was suppose to and they have somehow applied it differently on the back end to where people can't see it when they log into their accounts. Very skeptical on this now and think something should be done about it. It hasn't been the 5-7 days for them to fix it yet ... but I just have a bad feeling this is not going to be remedied correctly.
Company Response:
State: WI
Zip: 539XX
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My student loan account recently switched from Navient to XXXX XXXX because I filed a XXXX XXXX. Immediately prior to the switch, while at Navient, none of my loans were in forbearance. Loans received from attending XXXX College were placed into repayment ( as I desired and planned for ) under the PAYE plan and this was confirmed speaking with a Navient representative at approx. XXXX EDT on XX/XX/2019. On XX/XX/2019, representative XXXX at XXXX XXXX informed me that Navient should have placed my XXXX loans on forbearance because I had other loans in a grace period. XXXX required that I ask them to remove the loans from forbearance that they put into forbearance between XX/XX/2019 and XX/XX/2019, even after taking a payment under PAYE on XX/XX/2019. As such, I was required to ask to be removed from forbearance on XX/XX/2019, contributing to a larger interest capitalization than if Navient had originally placed my account on forbearance as XXXX would have suggested is normal procedure. If Navient had put me on forbearance upon my XXXX loans coming into repayment, I would have requested to be off of forbearance sooner and thus would face less interest capitalization ( if this is indeed standard practice as XXXX suggests ).
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: On XX/XX/ 2019 I contacted Navient regarding private student loans and being placed in a 100 % discretionary repayment plan called an " interest rate reduction payment plan '' due to being recently unemployed. I had gone through this before with the company in which they lowered the interest rates from 12 % to 2 % for 12 months if i set-up auto pay. This time they would only offer to extend the terms of my payments ( currently paid for 7 years, have 15 years of payments remaining ( initially entered into a 15yr loan ). Then they came back after another 20 minutes on hold and offered me 7 % for 9 months and 3 more scheduled payments at 12 % in which they need bank account information/ debit card information. In the future they try to auto debit from bank accounts without permission. I refused and was denied any sort of repayment plan.
Company Response:
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I have been on an Income Based Repayment plan. I sent in the renewal, and they MORE THAN DOUBLED MY PAYMENTS! I can't afford such a large increase in payments, even more strange it doesn't pass their own criteria for setting the payments. I think one problem with their IBR calculations might be that they only look at the income tax return and in my case ( probably many other 's as well ) I had the opportunity to work overtime last year and it would make it look like my income is higher than it really is. They should look at the paycheck instead, and base the payment only on the guaranteed income without the overtime, which comes and goes and is voluntary. So for example last year my guaranteed income was {$76000.00} but my tax return shows an income of around {$120000.00} so that is quite a difference. It doesn't look like there will be much overtime this year, so I really can't afford these new much higher payments.
Company Response:
State: CA
Zip: 94587
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient systematically misallocates my funds. I owe {$24000.00} and my balance never changes. I keep making payments of {$500.00} - {$560.00} a month ; but my balance remains the same. I asked Navient multiple times to send me detailed repayment history of my loan and the way funds have been applied to my balance each month. Navient systematically refuses to provide such information as the people answering calls always say something different. I believe that if I do not find a way to get Navient to send me the formal loan repayment history I will be in repayment all my life. How can I get help and some sort of relief from Navient?
Company Response:
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Hello, we are receiving a wholly new request from Navient to pay a loan that was paid in full two years ago in XXXX ( as they admit and as they documented ). We will be providing you the following documentation and timeline for submitting this complaint to discharge this unacceptable practice in trying to recover money on a loan that XXXX XXXX ( maiden name XXXX ) paid in full in XX/XX/XXXX for her Subsidized ( XXXX DL ) and Unsubsidized ( XXXX DL ) loans that were consolidated in XXXX and serviced by Navient. Here is the applicable timeline and supporting document history, none of which has been disputed by Navient : [ 1 ] XXXX : Documentation from Navient confirming all loans, the consolidated subsidized ( XXXX DL ) and unsubsidized ( XXXX DL ), were Paid in Full on XXXX with no balances active. [ 2 ] XXXX : Navient documentation that we received refunds from overpayment on each based on the Payoff Amount that Navient provided us. From Navients Account History this is evidencing that not only were both loans paid in full on XXXX, but they were overpaid, such that Navient issued refunds on both consolidated subsidized ( XXXX DL ) and unsubsidized ( XXXX DL ) loans. [ 3 ] XXXX : Official Navient PAID IN FULL electronic letter confirming all loans, consolidated subsidized ( XXXX DL ) and unsubsidized ( XXXX DL ), were Paid in Full on XXXX. [ 4 ] XXXX : Navient Paid in Full electronic correspondence acknowledging again that all loans were paid in full, such that they asked that we share our success story for our hard work in paying over {$320000.00}! [ 5 ] XXXX : Navient Statement showing we owed nothing through the last two years through billing period XX/XX/XXXX - XX/XX/XXXX then all of a sudden showing that we owe for a random amount as of XX/XX/XXXX ( {$3100.00} ) for the unsubsidized ( XXXX DL ) Loan that for which we were issued the Payment in Full letter AND received a refund on because we overpaid in XXXX. Navient couldn't have been more unprofessional when we called and asked for any substantive information other than we MUST pay it despite them not knowing why it is popping up two years later. We ended it by confirming they will look into this and send us supporting information via mail. [ 6 ] XXXX : We had counsel confirm that all three credit agencies show the loans as " Paid, Closed/Never Late '' as of XX/XX/XXXX and can provide documentation upon request. [ 7 ] XXXX : We also confirmed on the NSLDS that all loans were XXXX balance as documented in the attached, all show {$0.00} balance for XXXX XXXX ( maiden name XXXX ) for these loans as of this date. Since we wanted to document this in case they negligently try and go back and change it. [ 8 ] XXXX : After three weeks of requesting some supporting documentation that we owe thousands on loans paid in full two years ago, Navient simply provides us just a one-page letter saying we take it up with a random third party servicer ( who is not in any way involved ) with otherwise no information other than to confirm they agree we paid these all in full, that we hadnt heard from them since XX/XX/XXXX because they were paid in full, listed and satisfied as Paid in Full since XX/XX/XXXX. We hadn't moved or changed email addresses, so there was no failure to communicate, these were listed as paid in full for two years. They had no explanation for the mistake other than we now owe this randomly two years later. [ 9 ] XXXX : Was finally able to get through to speak to Navient again since they sent us the substantive-less one-page letter and they confirmed there must be some FSA issue from the XXXX consolidation that they otherwise can not explain or provide any documentation around as they agree we paid everything in full in XXXX. Navient said there is nothing they can do and they can not provide us any other information on the basis for this amount and our " only recourse is to take it up with FSA as last course of action. '' [ 10 ] XXXX : Case XXXX initiated with U.S. Department of Education Federal Student Aid ( FSA ombudsman ) who we spoke with and the ombudsman recommended based on the facts as described that we escalate within their department by providing them the information via email for escalation at FSA and resolution and satisfaction clearing this matter. Supporting documentation provided to them that all loans paid in full. They confirmed receipt and sent requests to Navient. [ 11 ] XXXX : Ombudsman says they will close case based on Navient 's response, but Navient provided a response at the direction of the FSA ombudsman that confirms only the above ( that is was paid and full ) and that Navient and Dept of Education made several mistakes upon some later review of the account that an error occurred almost 7 years ago in XXXX! And despite that they just say we owe regardless on the loan that was confirmed as paid in full and was accruing interest at a rate long since consolidated and refinanced and paid in full. ( Password of attached document : " NavientXXXX! " ). Their letter contradicts not only the paid in full documents, refund being issued for overpayments two years ago, every credit agency, and the XXXX, but also the two previous communications with Navient saying they didn't know the issue and couldn't account for it. How can we be expected to legitimize their DEMAND to pay thousands when they themselves confirmed it was already paid in full according to their own payoff letter, and they have no accountability for their admitted mistakes? They demand that we just go by their unsettling suggestion that we take their word that it was " confirmed '' by them internally as accurate without any documentation other than that which proves it was paid in full and that they made a mistake. How do we know they won't issue ANOTHER paid in full letter on the same loan and how can we take it seriously? It's unacceptable and an unreasonable treatment of someone who worked hard to pay off over {$320000.00} in FULL to then punish them for admitted Navient/Third party mistakes from XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. That can not stand. We request this egregious mistake be resolved and discharged for something that paid this off in full two years ago. - XXXX XXXX XXXX
Company Response:
State: KS
Zip: 66208
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was made aware that Navient reported all 16 accounts 90 days late in XX/XX/XXXX. Once I noticed the late reporting, I immediately contacted them. I never received a phone call or any statements in the mail. The representative placed me on a temporally forbearance until the income based plan was processed and approved. I contacted Navient CEO via email ( screenshot provided ) and asked for a " goodwill '' for the one late payment because 1. I wasn't properly notified 2. I was currently in school ( vocational rehabilitation ) through Veteran Affairs. The response was not what I was hoping for so I continued to do some research. That's when I independently learned that my current status as being enrolled in a Rehabilitation program ( within the time frame where Navient has me 90-days late ) I qualified for a in school deferment. In the response from a Navient representative ( attached ) I explained 3 times that I was in night classes and she never advocated for me and help link me to the right department to see if I qualified for any in school deferments. After submitting all of my proper documents proving that I was in school ( at the time of the negative reporting ) and still in school, ending XX/XX/XXXX Navient approved my deferment request, however, they are continuing to inaccurately report negative item on my reports.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: For the past 10+ years since graduating from XXXX I have inquired to Navient ( previously servicing as SallieMae ) as to having my aunt removed as co-signor to my student loans. I was initially told that I needed two years of payments to qualify for co-signor release. I asked over multiple calls if these could be through any type of payment plan and was assured any type qualified. After making interest only payments ( while in XXXX school ) I applied for co-signor release and was then told only interest and principal payments qualified. I then spent another two years making payments and re-applied for co-signor release. I the received a notice that not all my payments over the previous 24 months were timely. When I reviewed the payment history, the few payments indicated as received after the due date were all within 1-2 days after some of which included occasions when the due date fell on a weekend. I continued making payments, ensuring each was received prior to the due date and re-applied 2 additional times for the release. Each time I received a reply that my credit does not meet their criteria. My current yearly income exceeds my current student loan balance and my household income which includes my husbands income is nearly triple my student loan balance. I last applied for co-signor release in XXXX and XX/XX/2018 ( fax confirmations attached ). Each time I received NO response from Navient despite a hard credit inquiry in XX/XX/2018 ( credit bureau item attached ). After years of timely payments and sufficient income I should no longer be required to maintain a co-signor for my loans so that my aunt, who graciously co-signed the student loans of a young XXXX student nearly 15 years ago, no longer has to be impacted by these loans that I have proven to be fully responsible for and capable of repaying.
Company Response:
State: NJ
Zip: 07203
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A