Date Received: 2019-03-12
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: For years, Navient ( previously Sallie Mae ) encouraged me to enter forbearance instead of offering alternate payment methods, such as IBR. They have also rejected my application for the public service loan forgiveness program for unclear reasons, despite the fact that I should qualify by virtue of having the correct loan type and working for a nonprofit.
Company Response:
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-11
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I finished school last year on XX/XX/2018. I did not get my diploma or show as a graduate until XXXX of that year. I contacted Navient today as I was told when trying to get a personal loan that Navient is reporting delinquent. I have not heard from them. They are claiming I am delinquent since XX/XX/XXXX of last year. How is this possible when you are granted a 6 month grace period from the time you graduate to start making payments? Plus the fact that they have made no attempts to contact me. My credit is now ruined because of them
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2019-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-12
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: Hello CFPB, Navient has told me over and over again that my private loans only get a forbearance like 3 times. I've been laid off since XX/XX/XXXX and I have not found another job yet. I live in a village about XXXX people. There are no jobs. I have been trying. My sister just passed away and it takes time to get through something like this in the family. Navient customer service has been unreal. I call the customer number and explain many times over my situation. I feel duped by this company. This company has no empathy for someone like myself. I get laughed at by the XXXX who said I call their Customer Advocate and get a claim. But then they give me these numbers that only bring me back to them over and over again. So do I need to get a lawyer? I have asked many times over how much have I paid in in interest payments to them the past 9 years? I'm told for a loans of ( XXXX ) I will have to pay until XXXX. Seems unreal to me. I can't believe the customer service ethics. They don't care really don't. No one seems to understand that if you don't have money you don't. 10 years ago who were to think that this would happen? No career job and the hype of these loans? Also my co borrower is my mom and she is XXXX years old and not feeling well. They keep calling and harassing her all the time. I need your help!
Company Response:
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-11
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release
Company Response:
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2019-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was contacted by XXXX XXXX XXXX XX/XX/XXXX regarding student loan debt with an increase of XXXX in collection charges the department of edu did not honor my debt rehab program with them and sent the information to XXXX, once contacting XXXX XXXX XXXX they stated that I would go into 9 month rehab program and after the program a new servicer would contact me so XX/XX/XXXX payments where started of XXXX $ every month on the XXXX of the month automatically, all payments where made up until XX/XX/XXXX completing the successful rehab program, I called XXXX XXXX XXXX XX/XX/XXXX to inquire to why I have received no contact regarding new servicer. On the call the lady explained they had the incorrect contact information for me even tho they where sending everything to my current address etc, the women advised me to make another XXXX $ payment for XX/XX/XXXX I did, after this I received a letter stating I fell out of the program even though I completed all the paperwork required 1040, w2, financial disclosure in XX/XX/XXXX which that is how my payments where calculated. So now its XX/XX/XXXX and still no answer to why they have not had any other servicer contact me to take me out of the debt which is affecting my Score. They seemed to have no information no notes on call nor the program even though they took the payments, they are falsely advising and not following federal guidelines for debt collection, the dept of edu is not accepting calls. So Im paying this debt every month for now 10 months and the rehab program is not being followed by XXXX they are still attempting to collect debt with the XXXX in collection fees they have not contact any servicer regarding my loan nor sharing the information with the dept of edu, they are continuing to keep me in default regardless of the so called program offered. They are attempting to place me in another 9 month program saying they havent received proof of insurance which was never requested everything was sent via email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17112
Submitted Via: Web
Date Sent: 2019-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-11
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: In 2017 I requested to have my cosigner removed from my loan. During my telephone conversation with the customer service rep, she advised I would need to make 12 consecutive on time payments in order to do so. This has been done but when I asked after the 12 months they informed me I will NOT be able to remove the cosigner
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2019-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XXXX XXXX # XXXX XXXX XXXX # XXXX I am the cosigner for both the account referenced above. My daughter, XXXX XXXX XXXX, married name XXXX is the primary account holder. The credit report shows 2 late payments one for each account in XX/XX/XXXX days XXXX and her husband had been making the payments on these accounts consistently for over 2 years, on occasion I would get a call from Naviant that the payments were late, but they always arrived before I needed to be concerned. I expected the same on this, it wasn't until I was getting constant and harassing call from Naviant that it became apparent the something was wrong. I reached out to my daughter, but got no response, we have been estranged since her mother I am got divorced, I reached out to her husband and my ex-wife, still no explanation or communication as to why the bills had not been paid. I than reached out to Naviant, apparently the reduced payment agreement between Naviant and XXXX had expired and the payment went from XXXX per month to over XXXX a month. XXXX manages a retail XXXX XXXX facility and her husband had just graduated law school and was working on passing the bar, there was no way they could manage a {$650.00} a month payment. I discovered speaking to Naviant that, XXXX could have extended the agreement with a simple phone call or applied for an income-based payment program, she did neither, and when I attempted to extend her agreement I was not allowed to because I was not the primary signer on the loan, I could do nothing but pay, I had no other options. I did pay to have the late reporting delayed for another 30 days but with such short notice and no warning I could not pay the entire almost, XXXX that was due. I was already paying to have 2 other of her loans that we in default rehabilitated. The plan was and still is to consolidated or refinance all 4 loans with an income-based payment plan, this has been agreed to by My daughter, her husband and my ex-wife. These 2-late payments seriously affected my credit score, dropping it over 100 points. I have assumed the responsibility for these 2 loans until such time as we can get the loan consolidation completed, but the impact on the drop in my credit score makes this more difficult and complicated. I did reach out to Navient to see if there was anything to be done about getting these two-late payments removed but I got nowhere. There are reasons why Navient has one of the worst customer service rating is the industry and they are being sued by a half a dozen or so states
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2019-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I graduated from XXXX XXXX XXXX XXXX in XXXX with debt over {$150000.00} in private and federal student loans. After years of paying, I realized that the private loans listed my school as XXXX XXXX XXXX XXXX XXXX. I never attended that school. The error made me concerned that other data in my account might be wrong too, like the amount owed. As of XX/XX/XXXX, Navient claims I still owe {$23000.00} from attending XXXX XXXX XXXX XXXX XXXX.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2019-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-10
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: On Friday, XX/XX/19 Navient has disclosed personal information to my relatives about my student debt without my permission. They have not contacted me via phone in 6 months and have decided to give my family members in Georgia information about my student loans. The name of the Agent was XXXX and she lied stating she got my cousin 's information that I disclosed to them, which i did not.
Company Response:
State: NY
Zip: 12590
Submitted Via: Web
Date Sent: 2019-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I took out a student loan in XXXX with Navient, I have since than been deferring this loan. On XX/XX/XXXX, I received an email from XXXX XXXX ( my credit card ), advising me that my credit score had dropped from XXXX to XXXX. When I viewed the reason, I discovered I was 90 days past due on my loan. I did not receive any type of contact from them letting me know my bill was due. Every year, I receive a letter from them and I defer the loan, this time I received nothing and therefore, was unaware the account was delinquent. I recently moved to California on my own and am work part time and enrolled in college for XXXX XXXX full time. This neglect by Navient has changed my life. I work hard on my keeping my credit score above average and now it is below average. When I contacted Navient, they informed me that I did not have an account with them and I tried to explain that I did because I have deferred the loan for years. I than questioned why I didn't receive a bill and their reply was because I was signed up for electronic billing. This is contradiction by Navient, how can I sign up for electronic billing if according to them I never had an account and if I never had an account, where has my loan been for the past years. Navient informed me the only way I could get it removed is if I file a dispute, which I have. If Navient was not neglectful in contacting me has they have done in the previous years, this would not have happened.
Company Response:
State: CA
Zip: 94928
Submitted Via: Web
Date Sent: 2019-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A