Date Received: 2019-02-26
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Navient has called me at work over five times in total. After the very first call, I made it clear to the representative on the phone this type of communication is prohibited by my employer and they are not to call my work number. I then gave the rep my personal number, verified my address, and gave them the best time to contact me. This first instance was over a year ago. In this month alone I have received XXXX more calls from Navient at work. I received a call on XX/XX/19, XX/XX/19 ( the rep hung up when I answered XXXX, and again today on XX/XX/19. On the XX/XX/XXXX call, I reminded the rep that my employer doesn't want me taking these calls and could lead to trouble. I again gave them my number and best times to call. The person on the phone confirmed that they would use my given method of contact to communicate with me in the future. During the prohibited office call today, I asked the rep immediately if there were any notes from my XX/XX/XXXX discussion with them. They noted everything that was discussed on XX/XX/XXXX except for me telling them not to call me at work. This is utterly ridiculous. I would've hoped that after explaining to the Navient reps that calling me at work is strictly prohibited that they would stop. This has not been the case. I am attaching a signed document that I have faxed to Navient tonight stating that they are only authorized to contact me at the address and number listed.
Company Response:
State: IL
Zip: 62221
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: Received bad information about your loan
Consumer Complaint: I personally filed a complaint against Navient, alleging that Navient promised that my loan was eligible for public service loan forgiveness, only to find out later that my loans did not qualify. Phone recordings from Navient, selectively produced by Navient, seem to indicate that I was told my loans don't qualify. However, Navient never told me that my ineligible loans could be made eligible very easily by converting my loans to direct consolidated loans. I assumed that if my loans were not eligible for PSLF that I could never take advantage of PSLF. I didn't know that the nature of my loans could be changed, as Navient never told me they could. Instead, Navient told me I wasnt eligible for PSLF, but that there was good news because I qualified for lower payments with an income- based repayment plan. I have a phone recording from Navient ( given to me by Navient ), wherein a Navient supervisor tells me that Navient reps, once they know you are a public servant, are supposed to immediately notify you that to qualify for PSLF, you must convert to a direct loan. I posited that it must not be in Navient 's best interests to tell public servants about converting because that would mean that Navient loses my loan and interest payments to XXXX XXXX. The supervisor agreed with me. Then she reiterated that she was shocked that I wasn't told to convert to a direct loan. Navient has had my loan since XXXX. Had they told me about converting to a direct loan back then, I would have been eligible for PSLF by XXXX! Now, I'm not eligible until XXXX, 6 years after i'm scheduled to retire! I am also curious as to whether CFPB 's lawsuit against Navient is at least partially based on Navient, in order not to lose thousands of loans, not telling public servants of the need to convert to eligibility direct loans to qualify for PSLF.
Company Response:
State: IL
Zip: 60004
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: The problem I am having, is I pay every month but my balance and monthly payments aren't going down. These are student private loans, and because of their % rates & late fees, i'm not going to get these paid off. There should be better practices with these high interest rates and late fees, especially when you are making my monthly payments. Here is an example of the interest rates, late fees, and the monthly payments I've made in the last two years. Navient has too many hidden rates and fees.
Company Response:
State: SD
Zip: 57105
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: Received bad information about your loan
Consumer Complaint: Navient is calling mulultiple times.a day. When I speak with them they rush me off the phone or force me into forbearance. Loans have Tripled since I took them out and the interest is crippling.
Company Response:
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I consolidate my loans in the amount of {$42000.00} principal and {$4700.00} interest equaling {$47000.00}. However Navient says I owe {$51000.00}. I am not sure how it got to that much. Also my monthly payments only go to the interest at this rate I will never be able to pay them off. I have sent a email asking about my payments and balance consolidated. I got an generic email back that did not answer my questions. I have tried to call several times and remain on hold forever and never getting someone on the phone. I would like to know where the extra {$4000.00} came from and how come none of my monthly payments go toward my principal and I am getting no answers from Navient.
Company Response:
State: TX
Zip: 78108
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I started working for a public service organization in XXXX, 2011. I called Sallie Mae to make sure my loans would qualify for the Public Service Loan Forgiveness program. They told me that my loans would qualify, and that there was nothing else I needed to do besides stay current on my monthly payments for 120 months. It turns out that was misleading information, which came to my attention more than 3 years later. I moved my loans at that point to Fed Loans, so now they do qualify. I am still extremely upset about what Sallie Mae did in this instance. I am requesting a remedy from them, or to get credit for the 36 ( plus ) payments that should have counted towards the 120 needed for loan forgiveness. Please help, or direct me to any appropriate place to resolve this matter. Thank you! XXXX XXXX
Company Response:
State: VT
Zip: 050XX
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been put in deferment or forebearance several times since starting my loan. I have been told over and over by Navient customer service that it is a better way to go while waiting for my bankruptcy to discharge the loans and now I have a bigger amount of interest to pay as its acrued and the discharges have not been done. Below you will see the bankruptcy discharge as well as the original amount did the loans and all the interest added over the years.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-25
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: My name is XXXX XXXX and I am one of the millions of people that Navient has taken advantage of. When I was XXXX and fresh out of high school they used my fathers income to take my loans out. Now after college, I don't make nearly as much as my dad does because he was there for almost 25 years at that point. I am going broke trying to make my payments. I do not want to go defer/fb because what if I need that for an emergency. I have tried and called so many times to have someone help me and no one ever does. I cant afford to live or enjoy anything because my private student loans take up all of my brain power and my paycheck. Please help.
Company Response:
State: OK
Zip: 744XX
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My loan servicer is Navient. I'm currently enrolled in an income based repayment plan, the status of which should have lasted until XX/XX/2019. I usually file renewal paperwork in the summer. For some reason, the payments due for half of my loans randomly increased in XXXX. The total overall increase is exactly {$100.00}. Last month I was supposed to pay a minimum payment total of XXXX. This month, I supposedly owe XXXX. When I called today ( XX/XX/2019 at XXXX XXXX E. ) to ask why, the customer service representative had no idea what to tell me. She tried to suggest that something may have changed with my private loan. But I was looking at a print out of each individual loan payment, and my private loan was not the issue. Half of my student loans ( 4 direct federal loans and 2 stafford loans ) increased. I've provided screen shots as attachments below. One screen shot from XXXX where my payments were correct. And one from XXXX where they're randomly {$100.00} higher. I'm not sure what the customer service rep was looking at to indicate that this change would have had anything to do with my private loan. But just guessing about it was not helpful and could actually have been harmful to someone who didn't know any better. Her Navient customer service ID was XXXX. We ended the call with her saying she put in a research request to see why the payments would have changed. I requested to speak to a supervisor, but she denied my request. In the meantime, they put my account on a courtesy hold because my payment is due at the end of the month ( in three days ). But no one can explain why my payments increased in the middle of the income based repayment plan cycle This isn't the first time my payments have changed for suspicious reasons. It always seems to get sorted out, but only after a few weeks and many hours on the phone pushing for real answers and not uninformed guesses. I've started taking screenshots of my online navient account because the payments change so frequently and usually in error. And I want to be able to prove what's happening to me.
Company Response:
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-25
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: They took my refund due to my student loans but I applyed for IDBR and it was approved on XX/XX/2018 so I thought that my loans were out of default and I am applying for a hardship because me and my XXXX children are being evicted, I have a shut off on my water and my d.p.l is about to be shut off. And I am no longer employed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A