Date Received: 2019-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: A year ago XXXX XXXX XXXX in XXXX TX tried to collect a debt they said I owed for an ambulance trip XXXX, of course Medicare had already taken care of it. XXXX finally sent me a letter that said XXXX had not contacted them anymore and they had restored my credit rating. This will be hard to believe!! They just sent me another dun in the same amount for the same XXXX trip that was a year ago. This time they even contacted me on the phone. I look them up on the internet and it seems they do this. They just sent me another letter today after I contacted them on the internet and told them I was reporting them.
Company Response:
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-28
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I graduated with a XXXX XXXX in XXXX in 2012. I just recently ( the past 3 years ) got a full-time position. I have been paying my loan for several years using the Income Driven Repayment Plan. I pay on time every month. Just recently, I noticed things were not getting any better, and I decided to check my loan balance. I wrote it down at the beginning of XXXX. It was XXXX, XXXX. I paid again on XX/XX/XXXX, and my balance was up to XXXX, XXXX, XXXX. I haven't missed a payment, I pay on time, but I am not making any headway. I decided to call to find out what was going on. The first women told me in 25 years my loan would be forgiven. I will be XXXX. She did not offer any help, so I called back. The second rep offered me the graduated repayment plan, if I paid a {$5.00} exit fee, and put my loan into forebearance. I asked about the interest during that time, and she said XXXX would accrue. I then asked if there was a different option, and why is it that I would have to pay {$5.00} to exit, plus the interest. She then told me I could straight up pay XXXX to exit the plan. I do not have an extra {$2000.00}. I ended up paying the XXXX, and told her I would pay the XXXX during the forebearance. I had also just paid toward my monthly payment, and she told me that XXXX would go toward the interest during forebearance. She also stated that my loan would be paid in 10 years because the payments go up a little every 2 years. I was feeling better. This morning, I checked my email. I had 4 emails regarding my NEW plan, which is actually the SAME one I am currently on. Not the graduated plan I had spoken to the rep about. I called again this morning while at work. The women told me she would email the information about the graduated plan in 2-4 hours. It is XXXX. I called this morning at XXXX. She asked me if I wanted them to also send correspondence via postal mail. I said yes. I wanted all the confirmation in writing that they could provide. I also just sent them an email on their website : Good evening, I had contacted a representative yesterday regarding a different payment plan. I paid {$5.00} to exit my Income Driven repayment plan, put it into forebearance until XXXX, and then begin a Graduated Repayment Plan at {$600.00}. I received 4 emails stating the terms of my Income Based plan. This is not correct. I DO NOT have this plan any longer. I exited out for XXXX and switched plans. The rep told me my new payment was going to be {$600.00} and some change, that I could pay the interest while my loan is in forebearance, and my NEW payment would start the XXXX of XXXX. EVERY email correspondence that I have received does NOT reflect the changes. I phoned this morning and the rep offered to email me the NEW terms for the graduated plan, and that I would receive them within 2- 4 hours. I did not. I also asked her to mail them. This is poor business practice, and it does not " help '' your borrowers at all. The recording that is repeated while on hold states that Navient is there to help borrowers get out of debt. This has not been my experience. As a matter of fact, I am MORE in debt due to the plan I was offered prior to my queries yesterday. I split my payment, and always pay BEFORE it is due. This has not reduced my interest at all. I expect someone to respond with the CORRECT information about the graduated plan I was offered. I am displeased at the dishonest business practices used by this company. I am trying to get out of debt.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I took out 6 student loans during my time as a student of the University of XXXX. Upon Graduation, I requested that Navient would put my loans in deferment until I was able to get a job and start repaying my loans, which they agreed to do. On my credit report, it is showing that all 6 loans from Navient has a 90-day late payment as of XX/XX/XXXX. I called Navient today ( XX/XX/XXXX ) and spoke with XXXX about this issue. XXXX agreed with me that the marks should have never been placed on my account and caused my credit and payment history to suffer, but that she was not able to do anything about it.
Company Response:
State: AZ
Zip: 85737
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I applied to Navient for their private loan permanent rate reduction program due to my inability to pay the astronomical rates they were charging me. As a reference, I am a prior student/victim of the XXXX XXXX predatory student lending scams. They approved my interest rate reduction to 1 % for ALL my private student loans and I have been making on time payments ever since. I had been making two separate payments for five different loans ; one for about {$140.00} on three of them, and one for about {$64.00} on two of them, the sum equaling roughly {$200.00}. This was a long arduous process to which took about two months of negotiation and was finalized sometime in XX/XX/XXXX. I received a notice in XX/XX/XXXX, that my payment status had changed. They said that two of the five loans were no longer in this interest reduction program. After 2.5 hours and arguing, pushing, and inquiring with several " specialists '' that this was not right because this change was supposed to be permanent for all five loans, they finally combed through my account and realized this was a clerical error on their end. They said they would rectify the account, erase the late fees and put all five loans under one payment within the rate reduction program as it was originally supposed to have been processed two years ago. During this process I lost time from work sorting this out on the phone. Before the call I received no notice on this change. They assessed late fees and my interest rates sky-rocketed which pushed my loan amount up and thus effected my credit negatively. They kept insisting that this was always what was going to happen yet they could not provide proof to me that this was the agreement but consistently tried to push me off the phone, dismissing me as if I was being ridiculous. Once they finally realized their error they said that moving forward all five loans would be under one payment of the same amount from before, approximately {$200.00} as they are all under the same program. But I just received a statement saying that the late fees are still be assessed for {$35.00}. The payments were still processed as two separate payments and not just one as they stated. This concerns me in that despite what they said, the clerical error is obviously still present. This is not the first time I have had an issue in dealing with the incompetence of Navient in their loan servicing. I should not have to push and dig to get answers and to correct THEIR errors. I should not have to continually communicate with a large corporation to which has the financial means to maintain their clerical staff and systems efficiently, and that should also not put lower middle-class citizens like me through the rigor morale every single time they falter. I only wonder if this happens to me, what about the plenty of other blue-collar citizens who don't have the wherewithal to push like I do. Does Navient perform quality assurance checks? Do they get audited where small clerical mistakes like this cost student loan holders thousands of dollars they already don't have beyond what they owe? Are these financial mishaps recompensed to those who overpaid due to Navient 's error? Lastly, I caught this one, what if I didn't catch others? Please audit this company. Please scrutinize their billing efforts. Stop letting this happen to good people who just want to do the right thing and pay what they owe but still want to have some quality of life where they aren't being cheated by big money hungry corporations.
Company Response:
State: PA
Zip: 19438
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I called on multiple occasions to find out what the intrest was. The worker told me that i can find out on their website. I tried to look it up. But I can't. Also I stopped attending prism because of the misleading programs. When I Started we were under the impression I was working towards a XXXX degree, when in fact it's just a certificate. I constantly try to get intouch with someone to help me. I am on a XXXX $ balance payment but my credit keeps going down because of interest. Please help me
Company Response:
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: At XXXX MST on Saturday, XX/XX/19, a person identifying themselves as XXXX XXXX left a message on my home phone stating that she was calling regarding a time sensitive personal business matter and asking to be called back during ordinary business hours at XXXX, ext XXXX. No other information was given. My phone recorded the call as having come from NAVIENT and the calling number as XXXX. I still have the recorded message. I tried unsuccessfully to call back that afternoon. The recorded message was that I had reached something known as XXXX XXXX XXXX, but that the business was closed. When I called back several times on the next business day, Monday, XX/XX/19, the person answering the phone on each occasion also identified the business as XXXX XXXX XXXX. I have never had any dealings, business or otherwise, with either NAVIENT or XXXX. When I finally reached Ms. XXXX she asked for the last 4 digits of my Social Security Number. I refused to give that information to her without her explaining why she was calling, and why she found it necessary to call before XXXX in the morning. She stated that her company was contacting me in connection with some contract they had with some taxing entity of the State of New Jersey. I told her I had never lived in or had any business with New Jersey. As for the time of her call to my home phone which has a XXXX area code ( peculiar to a small portion of Colorado in the XXXX area ) she dismissed that with well, it could be a cell phone number so we wouldnt know where it was at the time we called!! I guess its OK with her to call any number at any time, regardless of the law. As it happens, my home phone which she called is a land line. She also claimed, falsely, to have sent me a letter, and to have spoken previously with my wife. Ms. XXXX finally gave me the full name of the person she was trying to contact, and I think I was able to convince her that I am not that person. We have similar names, which I will be happy to share, if necessary. According to Ms. XXXX, our conversation was recorded. Her actions constitute, at the very least, violations of the FDCPA : specifically, 15 USC 1692c ( a ) ( 1 ) calling before XXXX at the consumers location ; and 1692e ( 10 ) and ( 11 ) making false representations, and failing to give mini Miranda warnings ; and the Colorado Uniform Consumer Credit Code : specifically, CRS 5-5-109 ( 2 ) and ( 4 ) ( b ) engaging in unconscionable conduct, such as communicating at an unusual hour so as to harass the consumer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80129
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Now for the issue. For the last 6 months I have been aggressively working on my credit score in order to purchase a new car in XX/XX/2019. My credit score was 27 points from reaching XXXX. Then to my surprise I receive a notification that my credit score dropped 36 points. So first pull my credit report to see what in the world could be the change because I dont have any added debt and Ive been paying all my bills on time. The issue why my credit score dropped 36 points was because on XX/XX/2019 Navient reported to all three agencies that my student loan balance increased by {$3100.00} and then Navient on the same day reported that my student loan increased by {$2400.00} for a total of {$5600.00} in increase debt. So I call Navient and speak to Customer Representative # XXXX to see what was going on because I am not back in school and I havent taken any additional loans and the representative lets me know that I dont have any new student loans and there isnt an increase of {$5600.00} on my student loans there is only an increase of about {$300.00} and she doesnt know why Navient reported an additional {$5300.00} to the credit agencies. I have attached documentation reflecting the only change in my credit report. I also called all three agencies regarding the 36 point drop and each customer representative informed me that the change is due to an increase in my debt indicated by my student loan provider of {$5600.00}. I was also told that it could take months for my score to increase by the 36 points even if Navient fixes the mistake. Navient inaccurately report on my credit reports and why no one has caught this. The 36 point decrease has put me in a completely different credit score bracket with a completely different interest rate for the car I have been planning to purchase. This error affects me in the long run and my financial well being. I need a person to give me a call to resolve this. I would like a live person to give me a call and explain why {$5600.00} was reported to the credit agencies and what is being done to fix the situation.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: My private loan from XXXX was transferred to XXXX, then from XXXX to Navient. Where with Navient has consistently increasing my interest rate and is up 3 % from initial distribution. I do not receive any notification of the change. My loan will never get paid off at this rate and only increases. I have autopay with XXXX and have never paid late and had a 100 % payment on-time record. This is ridiculous how my interest rate is just going up instead of going down for good performance. I have had my loan changed by 3 providers so I can not get any information from the providers about the history of my loan and Navient will not provide me with a statement of my interest rate. In a year it's gone up over 1 % for no reason!
Company Response:
State: CO
Zip: 80237
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have no idea what is happening to my student loans from XX/XX/2009. I originally had 2 loans when graduating totaling roughly 17k. Ive sent money sparingly over the years, have bad wage garnishments, and now these 2 companies Navient & XXXX own the debt. I am outraged, last month I got a letter saying one of the loans principal was at XXXX and a month later they tacked on a XXXX fee! This was from XXXX. So now Im at roughly 45-50k off of XXXX. This Navient company only ever sends me these forbearance texts and emails where a simple yes puts Them into forbearance. I need help. I have no idea what to do about my loans. Its emotionally and financially devestating knowing what This has become. Im wondering what type of options I have. Im currently unemployed and am willing to find a public service job if it means I can get some of this crippling debt erased. I have countless letters and documents from these people.
Company Response:
State: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Navient ignored my " borrowers '' best interests in violation of its government contract to prevent borrowers from moving to XXXX ( the student loan servicer that administers the Public Service Loan Forgiveness program ), so that Navient could continue to earn fees. During XX/XX/XXXX - XX/XX/XXXX I was advised by ancient to enter into an unemployment deferment. I was eligible to enter into an IBR that would count towards my 120 payments in a PSLF program. In XX/XX/XXXX, I was then advised to enter into standard repayment. Only because I could not afford repayment I looked into the matter further and realized I could have been an an IBR plan. During XX/XX/XXXX - XX/XX/XXXX, I went against advisement and managed my account and entered an IBR. My financial situation was exactly the same as the previous 3 years. I was part-time employed at several colleges working over 30 hrs. In fact, since I was working over 30 hours I did not qualify for the deferment that was suggested. I am requesting that the months from XX/XX/XXXX - XX/XX/XXXX be counted towards my IBR. I am willing to pay back payments at the same rate that was determined for the period between XX/XX/XXXX - XX/XX/XXXX. My current IBR payment is slightly high because I am now full-time which is a different financial situation. I have requested documentation from navies but was referred to my online account. they informed me all the information I need is there. but dates on deferments do not show.
Company Response:
State: CA
Zip: 90808
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A