Date Received: 2019-02-26
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Navient has been a problem and I have filed multiple complains about them in the past. Navient misallocated payments and steered me through multiple forbearances instead of income-driven repayment plans. Then, they started mailing letters to me at a previous address and had the wrong telephone number to reach me. This resulted in mis-allocation of XXXX seperate loans that I was consistently paying ( as was agreed, and they do not dispute ), and hit my credit score hard. When I reached out to them and tried to resolve this issue, they could not pull up my account because they had the wrong address and telephone number on file. It took multiple complaints to the CFPB to get them to even communicate with me ( thanks, CFPB ). We worked through this issue, all of the fees that they charged were returned, and I refinanced the student loans with a different servicer. By the way - no issues so far from the new servicer. What this complaint is about is the fact that Navient was supposed to expunge my credit report, and they did not. This was their mistake, they acknowledged as much and returned the fees ( on paper ) they had charged me. And yet, I'm still paying for it. I can't call them, because I'm not a customer any longer. Maybe the CFPB can help me expunge my credit report from Navient 's mistake. I can show a current credit report showing XXXX loans that have XXXX hits that are 90+ days old - 84 times I was reported and it hurt my credit. Aside from that, my credit is spotless. However, this mark on my credit is costing me thousands of dollars in a refinance of my property.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The amount just over {$50000.00} was originally owed to Sallie Mae. I paid Sallie Mae faithfully until XX/XX/XXXX when I filed bankruptcy. That bankruptcy was dismissed in XX/XX/XXXX after never being confirmed. I contacted Sallie Mae and resumed repaying Sallie Mae from then on. In XXXX Sallie Mae assigned my account to Navient without notifying Navient of ANY previous payments. It's as if I never paid Sallie Mae ANYTHING from XXXX XXXX, and XXXX XXXX when my account was then sent to Navient. Navient says I now owe the same original amount of {$50000.00} plus {$20000.00} additional money DESPITE monthly payments to them of amounts fluctuating from $ XXXX since XXXX. Why hasn't or doesn't that amount change with 6 years of regular monthly payments and why has that total initial amount been raised {$20000.00}? The amount owed does not change and mst often goes Up after payment has been made. I have paid $ 1,000s and $ 1,000s of dollars and have gotten nowhere in the reduction of my current balance.
Company Response:
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2019-02-26
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 am receiving 10 - 12 harassing messages a day about a student loan that I paid off XXXX years ago. When I contact Sally Mae servicing they show my student loan has been paid in full, but are attempting to contact me regarding " someone else '' who they feel I may know or be in in contact with regarding their outstanding loan. First of all, I thought it was illegal to discuss others financial information with outside parties and second the non stop harassing messages ( I have them saved in my cell phone voice mails ) need to stop immediately. The last message I received was regarding my name and loan, so I immediately called into Sally Mae, was informed indeed my loans have been paid off, but they are continually trying to contact me for information on another persons account. They have also harassed other members of my family. The individual in question on the loans is my son 's girlfriend and under no circumstances should I be involved in her personal account information and receiving phone calls on her account.
Company Response:
State: ND
Zip: 585XX
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I had problems making payments on time and getting correct information about additional repayment plan options. Hi, I need help urgently. Ive was with Sallie Mae prior to XXXX and Navient since about XXXX. Ive worked full-time for a non-profit since XX/XX/XXXX. Ive had major difficulties with Navient since my loans were switched to Navient in or around XXXX to XXXX. My question : Why did they not immediately advise me to switch to a direct loan and/or Public Service Loan Program back in XXXX? Although they have documented over 60 on-time IBR payments on time since XXXX I was originally setup prior for IBR prior to XXXX, however, Navient made several critical processing errors in subsequent years, I believe in order to revoke and extend my IBR plan beyond the 20 to 25 years as required in order to apply for forgiveness. Even after many phone calls explaining to them that I had submitted my IBR request in XXXX of the prior year, when renewal was scheduled for XXXX the following year, they not only did not process my paperwork on time, which caused in accurate bank transfer collection but also caused inaccurate reporting of on time payments. These one-time charged were in amounts of over {$500.00} and over {$1600.00}. They didnt even send me an email prior to sending the payment requests? Their incompetence and I believe fraudulent activity, not only caused me be farther behind payments on my IBR program, they also flat out lied to me when I asked them if there was another payment program relating to my employment with a non-profit 501 ( c ) 3. They said I did not qualify without even directing me to the proper federal government website in order to confirm what they were saying. They also didnt even consider asking me for my employers non-profit status and/or contact information to verify the status of my employment. Im under the assumption that there are recorded phone messages that will corroborate these statements as I had spent many hours on the phone with Navient arguing as to why my annual IBR applications were delayed by over 3-months on several different occasions/years. I really need advice on how to proceed and how to find a suitable way to correct these violations to my rights. Im also, is in the process of working with Docusign to apply for a Direct consolidation loan in order to qualify for the Public Service Loan Forgiveness Program requiring 120 months of on time payments, however I dont know if hey will advise me on my rights to obtain retroactive IBR payment credits that can be applied to a Direct Public Serice Loan Forgiveness program, as Navient is an official government approved loan servicing provider. Navient has documented over 60 on-time payments, however I believe the number should have been much higher, closer to between 90 & 100 payments. Sincerely, XXXX XXXX XXXX of XXXX XXXX
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I graduated college back in XXXX. Back then, my school loan was with NY Department of Education and afterwards Sallie Mae. I was told numerous times that my starting salary in my field would be around $ 50k. With some smart saving I thought I would be able to still pay off my loan while my wife and I lived in a small 1 bedroom apartment. When I was finally offered a permanent job, it was at $ XXXX/hr in my field. A far cry from the $ XXXX that my college said I would start at. I called Sallie Mae and was never offered the income based payback method. Everything was with them was always deferment. This went on for years even after Navient took over. I went from under a $ 30k student loan to $ XXXX student loan because of all the deferments and the high interest rate of 8.125 %. The difference is all capitalized interest and whatever other fees they tacked on through the years. Navient wouldn't let me refinance at a lower rate because they said I was ineligible. They knew what they were doing and never told me I could of paid based on my tiny take home paycheck starting back in XXXX! Fast forward to XXXX. Im finally making a little money hoping to start making payments to bring this ridiculous monster debt that I shouldnt have down. Now all of a sudden they want to do income driven repayment. I told them I cant do more than $ 150/month. Everything they calculated was through my tax returns. Nobody from Navient would work with me regarding what I could actually afford to pay. Jump to XXXX and now Navient wants $ XXXX/month which I definitely cant do. The company seems to forget that I dont get to keep what the IRS reports and that Navient is not my only bill. I have to pay for my vehicles to get me to work to earn my paycheck. Pay for gas to get me back and forth to work as well as insurance. Pay for the roof over my head because in my job, I need to be awake and very alert. Pay for the various personal insurances. Monthly utility bills because heat would be nice in the cold months and a little a/c in the summer since where I live it gets very hot. The credit cards because thats the only way we can afford to buy our food and those are maxed out. My wife packs everything up for me and I dont order out because we cant afford it. Then there are other bills as well. You get my drift. I have told Navient time and time again, even paying $ XXXX/month is pushing it but I can do that on time every month unlike the {$720.00} payment. I want to pay it off, but I simply cant afford that much even though my tax returns look like I can. By the time everything is paid, Im lucky if we have {$5.00} left in the bank. So maybe Navient will step up and work with me since I had no choice but to come on here and complain.
Company Response:
State: TX
Zip: 76087
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I strongly suspect that my loan servicer has sold my private information to scammers as I have received numerous text messages and calls over the last few weeks regarding illegitimate offers to " forgive my student loans ''. I never signed any document agreeing to allow my servicer to share or sell my information. This is a clear breach of my privacy as their client and it should not have happened in the first place. These scam organizations should not have access to my phone number, the name of my loan servicer, nor should they be privy to the fact that I have a student loan at all. A sampling of some of the text messages I have received are included in the attachments.
Company Response:
State: ND
Zip: 58201
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I was in school for two years. I took a break for a semester and tried to keep going with my degree but the program was cancelled and my credits are non-transferable and I am unable to obtain my degree.
Company Response:
State: CA
Zip: 91016
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: When I was married, my ( ex ) husband and I consolidated our loans into a spousal consolidation. He filed for divorce XXXX months later. Our divorce settlement ordered him to be responsible for the debt of the loan. He has failed to pay the loan and deferrred it for multiple years, without my consent. My understanding is that BOTH spouses must qualify for financial hardship. Im a XXXX and make an income that wouldnt have qualified me. My ex either forged my signature or falsified information. Navient never contacted me to verify my income, and deferred the loan multiple times. Now, years later the interest has almost doubled the loan. My ex has stopped making payments. Ive been forced to make the payments for the last 3.5 years. We are on the income based repayment plan and the reduced payment is $ XXXX/month. Im struggling to afford this and also know its only paying the interest on the loan, which is {$160000.00}. My portion of the loan is only {$27000.00}. Im exasperated that Im held responsible for all the interest and that Navient never contacted me to verify my income. They approved the deferement without my consent. This is very wrong. I realize that Navient doesnt care about our divorce agreement. I would like to pay for my share of the student loan and not be responsible for my exes share. This isnt fair! Ive consulted with attorneys, but Id rather communicate directly with the server or government. Please let me know what I can do. Thank you
Company Response:
State: CA
Zip: 93021
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Navient continues to send me correspondence stating that I owe an amount that I can not pay per month. I was paying the required minimum amount. I spoke with a a customer service rep for Navient and continue to get bothersome calls from them. The rep and myself never came to an agreement for repayment then I received bills that took my payment from {$5.00} per month to {$310.00} per month. I can not afford this monthly payment amount and I fear this will go back on my credit. I have worked hard to make the monthly payments I could afford to get this off of my credit. When I call regarding this I am told that it is income based and This is the amount I should be able to afford based on my gross income. I am currently attending college and paying my tuition out of pocket and have a child in college and can not afford this payment.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: Every month to login to make the payment I have to reset it all over again. So if my payment is due on a Saturday the auto payment system ask for two months payment and when I want to make only the payment that is currently due it will not take it and send me to customer service but they are closed. I have complaint to them and they do nothing. This issue happens every month and then I have to call them and have them reset my password again. This has happened 7 times
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A