Date Received: 2019-03-17
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: XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX Oh XXXX XX/XX/XXXX To whom it may concern. IN REGARDS TO ACCOUNT # XXXX This letter is in regard to my previous attempt to remove a negative remark on my credit score back in XX/XX/XXXX. My credit report states two late payments in XX/XX/XXXX and XX/XX/XXXX. Both derogatory remarks are false as you can see in the enclosed copy of my Navient account. I have made 3 monthly payments of XXXX and i was enrolled in the income based repayment plan in XX/XX/XXXX. Two accounts were open in my name with Navient and i am confused to why this happened? It is possible because of my divorce and name change that this happened but i do not know. Regardless of the reason my accounts are being reported on my score falsely. Therefore not only was i reported late once, but twice. And upon contacting Navient they suggested that i had to direct this to each credit bureau. Both of the derogatory remarks have lowered my score substantially and they are not unfair they are completely untrue and i am asking for both of these derogatory remarks to be deleted from my credit report please. This letter is a follow up and a request for the removal of both negative remarks on my score which are false. I have enclosed all the necessary documents to provide my proof of payment to Navient. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is my second attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. I thank you for you time and cooperation and look forward to your response My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXX CC : XXXX CC : XXXX COPY OF ORIGINAL LETTER SENT ON XX/XX/XXXX Navient XXXX XXXX XXXX XXXX, Pa XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, in which you claim i owe a payment of XXXX and that it is 90 days late. Upon reviewing my credit score it has been reported from your company as a derogatory account. This has impacted my score in a negative way. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you the noted amount of XXXX I have been experiencing partial financial hardship since XX/XX/XXXX and i have been divorced since XX/XX/XXXX i was legally separated and left the marital residence XX/XX/XXXX. I had made an attempt to pay my student loan debt in XX/XX/XXXX but fell victim to an online scam and all of payments throughout the course of that year were never given to your company. Unfortunately this is money that i lost and will never receive restitution for. I payed a company called XXXX XXXX {$49.00} /month for one year thinking that payment was going towards all my loans which were then consolidated. After this realization i attempted to again to apply for the Income Based Repayment Program and i was given a deferment. I have been diligently making attempts to pay all my debts and improve my credit score for the past two years to best of ability. I am attempting to make my account with your company current, and doing so I am sending my application for the Income Based repayment Plan. Upon review of my application you will find that i am a self employed independent XXXX, XXXX XXXX. And my yearly income is around XXXX average. I am requesting to set up automatic payments of {$25.00} per month. Furthermore i am currently enrolled in an online certification program for XXXX XXXX. In order to achieve certification for a second job which will increase my annual gross income so that i may pay off my debt faster once employed at this second place of employment. Again I have been monitoring my credit closely and making all attempts to the best of my capabilities to pay all debts with my available funds. Please Note : Because of my separation and then divorce i could not file my taxes for XX/XX/XXXX, XX/XX/XXXX due to the fact that i was employed by my ex-husband as an independent XXXX at his Tattoo Studio ( XXXX XXXX XXXX ) throughout the course of the marriage. This business was owned by him and premarital. Our taxes were always filed as separate but married throughout the course of the marriage which was XX/XX/XXXX-XX/XX/XXXX when divorce was granted. He had with held financial documents that contained my earnings. This was part of our divorce proceedings and wasnt resolved untilXX/XX/XXXX. I have since filed for those years and i am enclosing my XX/XX/XXXX tax return as well for review of my XXXX application. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. I thank you for you time and cooperation and look forward to your response My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXX CC : XXXX CC : XXXX
Company Response:
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2019-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-17
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: One 2-3 occasions, Navient placed my student loans on forebearance without with my request or permission. This was around XXXX and XX/XX/XXXX and XXXX. They automatically put the loan on forbearance even after I had already scheduled loans that were 5 to 6 days late. In XX/XX/XXXX, I called to change the date of my loan payment. The Navient rep stated I see you put your loan on forebearance. I let her know, you guys did ( Navient ). Im not sure if they can legally make the decision to put loans on forebearance for me since they make more money
Company Response:
State: CA
Zip: 90606
Submitted Via: Web
Date Sent: 2019-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-17
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: My name is XXXX XXXX XXXX, XXXX Era Veteran XXXX, In XXXX to XXXX I was enrolled at the XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, CA. At the time I applied for several loans to supplement my education. The federal loan guarantor was Sallie Mae. I have been working in the retail industry for past 18-yrs. Retail jobs don't pay what they use too! We barely make enough money to pay our rent. Since XXXX of XXXX, I have been in school for the past three years, I filed an in-school deferment with XXXX in XXXX, after having completed a one-year payment rehabilitation program with XXXX. I was assured that my student loan was out of the default, then I received notice from Navient stating that my student loans were in default and was required to enter into a contract since then my federal taxes have been garnished each year XXXX. I spoke to Navient and asked them if they were connected to XXXX, they said no '', and that they have no record of me ever paying down my student loan or entering an XXXX rehab program. I was also told by Navient that I could not submitt an in-school deferment because I was to far in default, and that this was the only option. Last week XX/XX/XXXX, a person named XXXX from Navient said that I could be a candidate for the fresh start program, and sent me an application. I was surprised to find out that the loan guarantor on the fresh start application is listed as XXXX, which Navient denies having any ties with that company. Below is a copy of the email I received from Navient. So my question is is this legal what Navient is doing, or are they committing fraud. I am a XXXX Veteran of the United States XXXX XXXX with service-connected XXXX, my education is currently being funded by the U.S. Department of Veterans Affairs Vocational Rehabilitation & Education Program. I have three dependents my wife and I make less than {$24000.00} a year, this is the reason I am pursuing an education to improve our situation. Email sent to Navient : Hi XXXX, thank you for sending the PDF fresh start application. However, I have a question, I noticed that the application has XXXX listed as the guarantor, I was told by one of your representatives that Navient was not connected with XXXX. During XXXX, I entered into a rehabilitation program with XXXX to bring my federal student loans out of default, I completed the program only after making several payments to XXXX only to have XXXX refer my loans over to your company. Which seems to be one and the same. When I inquired with your company, I was told that no record exists of any payments made during this time. But yet your contract indicates that you are apparently doing business on behave of XXXX. Can you explain the reason for this! Thank you, XXXX XXXX The Attachment send by Navient : NAVIENT XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( aka ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} $ {$13000.00} $ {$2100.00} $ {$15000.00} $
Company Response:
State: CA
Zip: 90249
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-16
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I keep paying my loan to Navient. In fact more than what is owed. Today XX/XX/19 I was woken up at XXXX XXXX then they called every hour till I finally answered at XXXX XXXX. When I did they started saying I didn't pay but I had records from my bank I did pay on the XXXX. They looked back and seemed I paid. I asked why they are calling if I am up to date and they couldn't give me a reason. I don't appreciate them calling me that early, plus I work nights and this degree got me nowhere. On top of it I never got noticed that Salley Mae sold my loans to them. This is agrevaiting.
Company Response:
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2019-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: THIS HAS BEEN DISCHARGE ON MY BANKRUPTCY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2019-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-17
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I was told to get a forbearance, I dont want a Forbearance I work with the XXXX XXXX and can only afford a small monthly payment, they wouldnt let me get a payment that I can afford and forced me to stay in forbearance
Company Response:
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2019-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been making payments since XX/XX/2018 and they still are showing my loans in the deliquent status.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2019-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/XXXX-Divorceproceedingsbeganwithmynowex-wifeXX/XX/XXXX-Mysoontobeex-wifedemandedIsignParentalStudentLoanpaperworkforourson.Irefusedbecausehewasworking;shewouldgetthemoneyandmostlikelyspendit;andweweredivorcing. XX/XX/XXXX-Duringdiscovery,Ifoundoutforthefirsttimeshehadtakenoutseveralstudentloansandhadforgedmynameonthedocuments.Thisincludesloansforherself15yearsagoandmysoninXX/XX/XXXX,Ontheloanpaperworkprovidedtothecourt,mynameandSS#hadbeenhandwritteninonthedocumentsometimeaftertheoriginationoftheloansnowbeingservicedbyNavient.IwasadvisedtopursuethisasfraudwhichIdid.Thecourtgaveachancefornowex-wifetoprovethestudentloansweren'thers.ShetoldthecourttheloanswereminealthoughhernameandSS#oneverypageoftheloandocumentsandminewashandwritteninafterthefact. XX/XX/XXXX-XX/XX/XXXX-Asaresultof17phonecalls,handwritingsubmissions,andsubsequentanalysisbyNavient,itwasdeterminedthesignatureswerenotmineandpositivelymyex-wife's.Requestsweremadetotakemeofftheloans.Navientsaidtheyneededacourtordersayingtheywerenotmyloans. XX/XX/XXXX-Incourt,myex-wifeprovidedthesamestudentloandocumentsasbefore.TheJudgegavemyex-wifeonelastchancetoprovethestudentloansweren'thers. XX/XX/XXXX-WewenttocourtafterItoldmynewattorneyinXX/XX/XXXXthatIneedtheJudgesrulingtoprovidetoNavienttoremovemyhandwrittennamefromtheloandocuments.TheJudgeruledmyex-wifehadn'tprovedtheloansweren'thersandthereforewereawardedtoher.IprovidedthecourtrulingtoNavientandtheDept.ofEducationand.requestedmynameberemovedfromthestudentloans. XX/XX/XXXX-XX/XX/XXXX-Navientwasremovedfrommycreditreport. XX/XX/XXXX-present-I'vereceiveddozensofphonecallsandlettersfromNavientlookingformyex-wife.I'vetoldNavientthatthisisnotmyex-wife'saddress,norphone#andhavegivenherstothemonmultipleoccasions. XX/XX/XXXX-IreceivedaphonecallfromNavientrequestingIsignpaperworkformyex-wife,Irefusedandtoldthemtheyhaveacourtorderandtheyneededtoleavemeoutofit.Again,Igavethemheraddressandphone#timeandtimeagain. XX/XX/XXXX-Navientputthestudentloanonmycreditreport
Company Response:
State: ID
Zip: 838XX
Submitted Via: Web
Date Sent: 2019-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-15
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I am a co-signer on my son 's student loan. Both my son and I are under financial hardship and working hard to get out debt and find better employment. I have talked to Navient several times about this and yet they are rude and unhelpful. I have called them and told them that we are doing out best and yet today for example I have received 4 calls from them, XX/XX/XXXX I received calls at XXXX, XXXX, XXXX XXXX, and XXXX and it is XXXX. This feels like harassment. At the time of the loans and even now this entire process has been confusing and often times wonder if they are misleading us into more unreasonable outcomes. Today I tried to file a complaint with Navient and received this error message : " sorry an error has occurred, try again later. '' Also, if the loans were at a California school does that mean that we could be part of the California lawsuit though we no longer live there? XXXX
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2019-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX, I got laid off from my full time job at XXXX XXXX XXXX with my XXXX child. My spouse was not a legal resident of the United States, therefore he had to stay in his Country while all the legal paperworks were being processed on his behalf. My mother was mighty ill at the time trying to fight the life stealer XXXX and I was her sole caregiver and refuge of strength while fighting this XXXX. I was able to complete my course towards my Bachelors in XX/XX/XXXX. I gave birth to my daughter in XX/XX/XXXX. Now, I have to be caring for my newborn and my mother while doing job interview etc to get back on feet, it was not an easy task but I tried my best. With all financial factors I was facing I reached out to Navient before my grace period end and they did not give me extra time or nothing to alleviate all that was happening to me. When it came to the time for me to repay the loan, my monthly payment was more than {$500.00}, I could not pay that. My mom passed away XX/XX/XXXX and I inform Navient and begged for some leniency and they made it clear that there was nothing that they could do. I was willing to give them copies of my Mom hospital bills and death certificate because I was that desperate and they just didnt care. I didnt have the money to pay so I end up being late on my payment. This is not something that I proud of, this is something that I had zero control of. So now I have one negative mark on 22 loans with Navient, which messed up my credit, because my report states that I have been late on a loan 22 times. If people at Navient had a heart, they could at least ask me to show proof of my situation, which I could. I sent a Good will letter to the CEO XXXX XXXX, informing him of my situation begging him to remove the negative items so I can get back on my feet as a single trying mother. He had a representative call saying, they cant help me. This organization, has zero remorse for people. We are people! Not a target or goal. My loans are now consolidated on always on time never missed a payment, but those negative marks still remains. Earlier this year, we had a Government shut down and I was affected as a XXXX XXXX, I reached out to the CEO XXXX XXXX again, begging to remove the negative mark so that I could be approved for a loan, so as to help my family through that period and these cold hearted people called to say that they could not help me. Nothing has changed with Navient. XXXX XXXX email : XXXX XXXX
Company Response:
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2019-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A