Date Received: 2019-03-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Navient/ Salle Mae has repeatedly misapplied my funds to future payments rather than paying down the balance of the fund when I overpaid. I've called to have this changed several times and discover that things were " accidentally '' applied to future payments. I also had lengthy arguments with them about whether or not the SCRA applied to me before they begrudgingly applied the SCRA to my account. I was also told that the Public Service Loan forgiveness program does not apply to be although because the balance of my loan would be due before the 10-year service obligation was completed. I went to XXXX XXXXl on a military scholarship and have been on XXXX XXXX in the military since I graduated in 2012. Also, although I had money allocated from my bank account to pay off the loan, Navient started auto-deducting and addition {$220.00} from my bank account for approximately 7 months without explanation. While they were drawing extra money from my account, I was already paying them twice the payback amount which they were applying to future payments and not to the body of the loan thereby increasing my future interest payments. I have repeatedly asked for paper statments to prove that these charges are incorrect and they absolutely refuse to supply them under any circumstances.
Company Response:
State: VA
Zip: 23455
Submitted Via: Web
Date Sent: 2019-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have had this problem for over a year now ... Every time I make a payment, despite having my profile indicate that I want payments to advance the next payment due date ; this is not happening. The due date is only advanced after I call the lender and not automatically with my payment as requested. They know this is an ongoing issue and have still not fixed the problem ( despite being told each month that it has been fixed ). When they adjust the payment, for some reason, they also adjust the amounts applied to interest and to principle -- making transparency of how my payments are being applied close to impossible. Why would the amount of interest and principle paid change because the due date was adjusted?
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2019-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Student loans are appearing on my credit report. I have contacted Navient, XXXX, viewed the student database and have contacted the college in question. Not one agency or organization is able to provide a signed promissory note with information about these loans for verification.
Company Response:
State: NC
Zip: 27518
Submitted Via: Web
Date Sent: 2019-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have two student loans that continue to show up through Navient. These loans should never have existed as i dropped out of this school and they never refunded the money back to the government. The disbursement date shows XX/XX/2008 XXXX it is now XXXX the other was XXXX and now XXXX disbursed XX/XX/2008 I have contacted the Dept of Ed each year when i would apply for federal aid and they stated the loans should not be there. This has been stated for years and years.11 to be exact. I have went on to complete my BS. Im asking someone intervene and remove these loans. Thank you for your help. XXXX
Company Response:
State: WA
Zip: 98273
Submitted Via: Web
Date Sent: 2019-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I went to XXXX XXXX with the understanding I would not be paying money back. My XX/XX/XXXX taxes were kept this year due to Default on Federal Student Loans through Sallie Mae. I did sign some papers when I started there in XX/XX/XXXX and XX/XX/XXXX with the intent of not having to pay any money back. I called Sallie Mae on XX/XX/XXXX and they informed me that my loan was sent to another company in XX/XX/XXXX. I ran my credit, and according to my credit history my balance owed to Sallie Mae is {$0.00}, and my loan was transferred three times. I have filed my taxes every year with my husband and have never had any money taken for any debt I've owed for any federal misunderstandings before. I called the Dept. of Education in Texas and they will not speak to me until my loan comes out of default, they transferred me to another company, XXXX XXXX on XX/XX/XXXX. I talked to a lady there who said my loan is up to {$21000.00} or more! Now she mentioned my social security number has been in and out of offset through the Dept. of Education since XX/XX/XXXX. With setting up payment plans with XXXX XXXX for {$5.00} for 10 months they can get my loan out of default and then the Dept. of Education will talk to me. I ran my social security number through the IRS and my number comes back with zero debts and no offsets with my name or ss number on XX/XX/XXXX. This was a non accredited college, that's closed. They would not even give me my degree.
Company Response:
State: OH
Zip: 44601
Submitted Via: Web
Date Sent: 2019-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-13
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX ( XXXX, NC ) use Navient to service private student loans. Navient provides misleading information concerning the loan that forces students to pay over 251 payments of {$300.00} a month for a $ XXXX loan. In return, the information is listed on the student 's credit file. The 251 payments for a XXXX being listed on their credit reports make it difficult to obtain a mortgage, even if the student has a good payment history. It cost over {$75000.00} to pay back an initial {$25000.00} loan. Navient refuses to work with students and make it almost impossible to get out of the loan unless paying it off in full. However, still, the interest is charged daily, so the payoff amount increases substantially before they even apply the payoff check to the account. Next day payments do not even help. The payment amount changes daily. This is what is holding America back. 5 days ago they noted a different payoff of the original payoff which is {$22000.00} onXX/XX/XXXX. Today the new payoff amount is XXXX and that is a rip off. When I initially called they gave me 10 day payoff amount of {$22000.00}. Today I spoke to XXXX XXXX the supervisor and she stated that even though they have received it, it has not been processed yet and if it is not processed by the XXXX the payoff amount will increase.
Company Response:
State: NC
Zip: 27545
Submitted Via: Web
Date Sent: 2019-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, I responded to an email from Navient Student Services that my private loans were due for repayment. At that time, I didn't understand what they were referring to, but I was afraid that if I didn't at least pay the amount they were requesting to put my " private students loans '' in forbearance, they were going to put in delinquency on my credit report. So I paid them the amount of {$100.00} they requested to put my " loans '' in forbearance, which I thought it would be until XXXX, but then when I called back on XX/XX/XXXX, they said that the payment was only for a month forbearance and they need another {$100.00} for another month. That's when I decided to ask for the promissory notes they supposedly had, because even then I did not remember requesting any private loans from them. The only loans I have are through the DOE through fedloan. Those loans are legitimate, but these loans with Navient are not. When I received the promissory notes, they confirmed my suspicion, I never made these loan requests. Someone copied these loan requests from when I was at XXXX College from the loans I had through the DOE. The loans from Navient had originated through XXXX XXXX in XXXX, and I never authorized these loans at all. They were all made electronically with an e-signature and I never did that at all with XXXX. And yet Navient still wants their money, they have harassed me with calls and emails left and right AFTER I told them that these loans are fraudulent. And yet the representatives told me that there was nothing they can do because the loans were dispersed to the college during the time I was there. BUT I NEVER REQUESTED THESE LOANS. Also Navient says that a Stafford Subsidized Loan was made by me to XXXX XXXX University in XXXX, and I never went to XXXX XXXX University in XXXX. I went there ON A XXXX XXXX during XXXX. So that is definitely fraudulent and I should not have to pay anything nor be threatened with delinquency at all.
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2019-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Navient has failed to provide honest & adequate services to its borrowers. It seems they are constantly dishonest about the structure of their company, and do nothing to help people that are making increasing efforts to make payments or proper arrangements ( that are not only in the best interest of the company, but for the millions of borrowers that are struggling to make their payments every month, without feeling vacuumed by student loan debt. I am constantly being told misinformation, and there is always lack of detail as far as your current loan and your options to make things more comfortable for the borrower. They have denied every request I've made for help : refinancing, releasing co-signer, making structural payments every month that would make an impact in decreasing the debt. I've been paying for nearly 5 years now, and my balance is still the same! I've made arrangements throughout the years, they feed you lies so you think your arrangement will serve you well, if you're consistent and make substantial payments, etc ... but it appears to me the money you pay literally goes into their pockets, your balance remains the same from when you started 5 years prior, and NO, you are not eligable for help as far as refinancing, or even trying to structure a payment plan that would be in the best interest of the borrower. I was told that they could not set up a plan that would benefit me long term. It was up to me to " overpay '' the balance, and therefore the remainder will go towards the principal. I asked for a financial advisor, or someone in accounts receivable that could possibly help me break down my loan that will serve my best interest, make an impact on the principal and possibly divide a percentage of both principal and interest that would actually start to decrease my balance ( which is stagnate for over 5 years, while paying nearly {$600.00} a month on a $ XXXX loan ) ... they told me they have no such department that would do that, they transferred me to " Customer Service XXXX who didn't care to find a solution, just repeating " facts '' like a robot, and telling me he didn't understand my questions. I'm disgusted by their company work ethic and lack of honest service. I can't believe that this is legal.
Company Response:
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2019-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-13
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I become a student in XXXX XXXX XXXX with University XXXX XXXX obtaining an Associates Degree. Each semester I believe they were overcharging the amount the school needed for my Pell Grants and Federal Subsidized and Unsubsidized loans. This was my first time ever going to a college and I never understood why they needed so much money when my two courses where under XXXX XXXX dollars and the school was asking for over XXXX XXXX dollars. I attended at University XXXXXXXX XXXX from XXXX of XXXX until XXXX and withdrew from the school because I felt I had more options at a different college in terms of the degree I was seeking during this time. I completed all of my courses from beginning to the last course before I withdrew from the school, then the University XXXX XXXX told me I broke their contract and would need to pay an additional XXXX XXXX dollars for a course I never even took. I satisfied paying this debt to the University XXXX XXXX in XXXX. Since learning about the University XXXX XXXX and how they have handled funding I would like to put forth a complaint regarding this matter. According to the DOE an article released states, " In the lawsuit, we found out that the University XXXX XXXX has been accused of submitting false information about its student aid statistics to the Federal Government, which allowed the school to qualify for additional federal funding that it never should have been able to receive ''. On Thursday, XX/XX/XXXX the Department of Education announced they will begin issuing Borrowers Defense to Repayment Discharges for up to {>= $1,000,000} in contested student loans. This is in direct response to a Federal Judges ruling that XXXX XXXX needed to terminate all delays in the BDAR approvals process.Odds are very good that University XXXX XXXX loans will be included in this wave of approvals, and DOE promised to start emailing borrowers on Friday XX/XX/XXXX to alert them that their debts from the cancelled loans would be eliminated within 30 to 90 days.
Company Response:
State: FL
Zip: 32952
Submitted Via: Web
Date Sent: 2019-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-13
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: XX/XX/XXXX : Complete loan balance of {$240000.00} paid off in agreement with letter from navient stating 10day pay off amount XX/XX/XXXX : Received letters via email and mail stating that both accounts that I had with navient were paid in full. XX/XX/XXXX : Email received and first point of contact made by Navient stating that student loan was going into repayment. XX/XX/XXXX : Called Navient and spoke with representative XXXX XXXX and supervising manager XXXX XXXX. Informed that Navient had processing error and " found '' loan balance that has been accruing interest since XX/XX/XXXX. Stated I would be responsible of loan amount. Informed manager that last point of contact I received from Navient were 2 documents stating that both loans were paid in full. Unaware of any " balance '' Navient " found ''. XXXX XXXX said he would look into it. He emailed supporting documents but otherwise has been unable to be reached. Other representatives have tried to contact him but unreachable at this time.
Company Response:
State: CA
Zip: 90049
Submitted Via: Web
Date Sent: 2019-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A