Date Received: 2019-03-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My student loan payment is $ XXXX/month. I was placed on a IDR on XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$800.00} via ACH Debit from my checking account to satisfy XXXX and XXXX monthly payments. On XX/XX/XXXX I received an email from Navient confirming receipt of my payment in the amount of {$800.00} stating the payment posted to my account on XX/XX/XXXX. I went online to make my monthly student loan payment on XX/XX/XXXX and my account showed a payment due of {$880.00} with a past due amount of {$480.00}. I immediately called Navient to report the discrepancy. The representative stated that he was unaware of why the full payment was not applied to my account. I then spoke with a supervisor who stated that I would need to provide Navient with my bank statement to prove the payment was made, which I refused to do. I then requested the Department of Education 's number from Navient to complain about the mismanaged payment. Navient provided the number XXXX which is not the correct number for the Dept. of Ed. I then contacted the Dept of Ed. and was transferred to the Ombudsman group ( case # XXXX ) and told that I needed to contact Navient 's Advocate group which I attempted via phone and email. I have since notified Navient that I do not trust their accounting procedures and am refusing to make further payments. Given the above, Navient has negligently handled my payment, is actively operating a business to defraud consumers, is operating in a manner which is deceptive and unfair to consumers and Navient is wrongfully seeking collection of funds that are not legally owed.
Company Response:
State: FL
Zip: 32257
Submitted Via: Web
Date Sent: 2019-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-07
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Received a debt collection call and filed a complaint. The complaint is XXXX. On XX/XX/XXXX the response to the complaint was that they'd entered my number in error and apologized for any inconvenience. On XX/XX/XXXX at XXXX XXXX they called again!!! Evidently their solution to fix the problem was less than sincere. Please get them to stop and to mean it this time. Perhaps this lack of actual solutions is why they have 28,508 complaints on your database as of a few minutes ago.
Company Response:
State: NM
Zip: 87144
Submitted Via: Web
Date Sent: 2019-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I attended XXXX XXXX University from the fall of XXXX to the spring of XXXX and graduated with a BS in XXXX XXXX. After graduation I accepted an industry position and began my new career in XXXX of XXXX. After an automatic deferment of six months on my loan repayment I entered an income-based repayment ( IBR ) plan that allowed me to make payments while supporting my wife and twin sons, all without incident. When it was time to renew my XXXX in XXXX I followed the same process but my payment status was left unresolved for several months despite regular attempts to contact the company to resolve the matter. By XX/XX/XXXX I was receiving notices that Navient required payment but would not accept my XXXX application with no explanation as to why there was an issue. By approximately XXXX of XXXX my IBR was approved and I began payments again, but Navient had placed XXXX day late payment marks on my credit report during the time that my payment plan was in process. I worked with the credit reporting agency and Navient to resolve the issue, and eventually Navient agreed that my lack of payment was due to process errors on their end, but for some reason they have only removed the marks for the 30 and 60 day late payments on my XXXX report. Please see the attached document showing a 90 day late payment in XX/XX/XXXX but ( document titled 'XXXX Navient Payment, ' red highlight from me ) but no payment issues on XXXX and XX/XX/XXXX. I have been unable to retrieve documents from either XXXX or Navient showing the previous status, but credit reports don't generally show a random 90 day late payment mark in an otherwise satisfactory payment history. I have contested the 90 day late payment several times with both XXXX and Navient, while the XXXX staff have been friendly they appear to be unable to do anything more than contact Navient as part of the dispute and receive a form letter that says that late payments have to be noted on credit reports. Please see the attached document labeled 'Navient Form Letter ' for the last of these letters I received from Navient while disputing on my credit report. That is literally all of the contact I have been able to document from their organization. At this point I can't even log into their system to find historical documents and can't receive customer assistance in any form.
Company Response:
State: CO
Zip: 805XX
Submitted Via: Web
Date Sent: 2019-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Getting a loan
Subissue: Confusing or misleading advertising
Consumer Complaint: Attended XXXX College which is no longer accredited or open instuite. I can't get a job with the certificate due to the school closing and no accreditation which has caused me not to be ablt to work as XXXX.
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: For the past three years my father and I have been paying back my student loans. We initially borrowed XXXX dollars and we now owe XXXX dollars because of interest. We have paid out over 13000 back towards the loan. My father is out of work, and I have been diagnosed with XXXX XXXX. I am not on XXXX but do not make enough to survive and pay loan payments. By the time the loan is paid off it will be over {$380000.00} dollars. They will not work with us to lower payments.
Company Response:
State: VA
Zip: 24551
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Customer service very disrespectful Once I make agreement as a cosigner on my granddaughters loans and I make payments on NAVIENT website its stating not paying as agreed. Also I agree with a payment schedule only to receive emails that Im late or not paying as negotiated.
Company Response:
State: MD
Zip: 21014
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I have received a letter with copies of documents I requested from XXXX XXXX XXXX XXXX there are a few of the XXXX I dispute with only copies of the computer generated XXXX and no other information which includes the schools or the amounts. They have included a typed amount for various schools and years but this does not compliment the XXXX with E-Signatures. There is one XXXX from XXXX that has my signature and I take responsibility for that, the others from the following dates that are legible and some not legible : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The accuracy of these dates are in question, I also raise questions as to the language of the XXXX with the following and my questions there after : Promise to Pay 15. I promise to pay to the order of the lender all loan amounts disbursed under the terms of this XXXX, plus interest and other charges and fees that may become due as provided in this XXXX. I understand that multiple loans may be made to me under this XXXX. I understand that by accepting any disbursements issued at any time under this XXXX, I agree to repay the loans I understand that, within certain time frames, I may cancel or reduce the amount of any loan by refusing to accept or by returning all or a portion of any disbursement that is issued. My questions are as follows ; ( 1 ) The lender in question or lenders were and are not the Federal Government, the lenders were XXXX and other Banks on the XXXX so how could I owe the Federal Government? ( 2 ) How can multiple loans be made under one XXXX but I have at least four XXXX sent to me so the loan amounts can not be accurate if multiple loans can be made and requested by who? ( 3 ) How could I have had the opportunity to cancel a loan that I never received any currency in the form of cash, credit or check directly to me? Finally, ( 4 ) If the Federal Government used local and national Banks such as XXXX and other Corporate Banks to disperse funds for Student Loans then these Banking Systems must be bound by UCC? Which is a Federal Commercial Code to govern these transactions according to UCC 9 these loans were not payable to the bearer but the bearer which is me would be obligated to pay an inflated or fictitious amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: my school loans were paid and closed in XX/XX/XXXX/XX/XX/XXXX because of my XXXX. The loans from XXXX XXXX XXXX, Navient and XXXX show the status of unknown - XXXX said i have to file a complaint with each servicer of these loans to have their status corrected.
Company Response:
State: ID
Zip: 83647
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Reached out to the company concerning my loans and the only thing they want to do is continue to put my loan in forbearance so therefore these loans are still having interest added and there are several loans instead of one loan one interest rate
Company Response:
State: AR
Zip: 71603
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My payments were about to go up in XX/XX/XXXX and I knew that we would not be able to afford the increased payment due to my husband now working part time and our medical bills due to health issues. I called twice in XX/XX/XXXX and each person stated that the payment was not going up. At the end of XX/XX/XXXX, I received a statement that my payments were going up. I called WEEKLY to try and resolve this issue. The first call in XX/XX/XXXX, I was set up on a payment plan. I was given a confirmation number and told to pay the first installment of the payment plan. I went through the terms and conditions with the woman and accepted. She said it should reflect on my account in 3-4 business days. I gave it 7 days, and my account still stated I owed the full amount. So I called back. This person I spoke to told me that the repayment plan did not get approved and they had tried to call me 3 times but my phone number was disconnected ( it definitely was not, I have had the same number since XX/XX/XXXX ). So we set up a new payment plan, I got a new confirmation number, I went through the terms and condition and they wanted me to pay the first installment. I had just paid an installment the week before, so he refunded the first payment and I paid another payment for this plan. He said it would reflect in 5-7 business days. I gave it 10 business days and my account still showed behind. So I called back. The person on the phone said the processing department was still working on it. I asked when I should call back and check, and he stated " If you are that worried about it you can call back and check on it, but it is processing the new payment plan ''. 4 days later, it still was not showing and so I called back. This person said that my new payment plan was not approved but they knew a way to make it happen. I got signed up for a new plan, went through the terms and conditions and got another confirmation number. My payment for this plan was not due until XX/XX/XXXX. 7 days later, it was now past my original due date, XX/XX/XXXX, and my payment showed past due. I called back and spoke to another woman who was incredibly rude so I asked to speak to a manager. The manager came on and I asked her to explain to me what was going on. She said that one I made that first payment of the new payment plan, it would " kick start '' and my account would go current. So I asked if I could go ahead and make the payment. So on XX/XX/XXXX, I made another payment to start my newest payment plan. She said I would get the terms and conditions in 3-4 business days and it would reflect on my account. I kept telling her I did not want this to go on my credit. She assured me it would not. I have checked my account since then, and it had never said current. It always said past due. On XX/XX/XXXX, I received a delinquent letter. I called on XX/XX/XXXX and I was told that the new payment plan did not go through, AGAIN. I asked to speak to a supervisor. This woman stated that it was a new type of loan ( even though they have had this loan for 2 years ) and there was no possible way for me to get a repayment plan or new terms. I asked for deferment for 9 months - 1 year, and all she said was are you able to make the payment to catch your loan up? I asked her why no one has tried to call and tell me any of this and why I had been told that I would have a new payment plan so many times and she just kept saying she apologized for the inconvenience. I have been promised 3 different times a new repayment plan. And now there could possibly be a delinquent report on my credit. All I wanted was to defer or lower my payments until my husband could work full time again. I am thoroughly disappointed in the unprofessionalism of this company.
Company Response:
State: SC
Zip: 29621
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A