Date Received: 2019-02-25
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been making monthly payments since XXXX and have proof of same. Navient is claiming that I have not made a payment since XX/XX/XXXX despite the fact that I have not missed a single payment from XXXX XXXX-present ( and have even directed Navient to apply additional funds to certain loans ). I have confirmation emails and proof of withdrawal of funds from my bank account. I have tried calling multiple times and can not connect to a representative - on three separate occasions Navient disconnected me from the call. This in unacceptable.
Company Response:
State: NM
Zip: 87507
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: Need information about your loan balance or loan terms
Consumer Complaint: Greetings Sir or Madam, I am writing about a student loan that I paid off in 2013, but is still appearing on my credit report. When I went to the XXXX XXXX of New York, I took out loans with Sallie Mae/Navient. After leaving school I consolidated those loans and made a bulk payment of XXXX from my XXXX account on XX/XX/2013 ( It shows up as XXXX Student loan payment '' ). When I made this payment I did receive confirmation that my student loan debt was paid off as well. I have not received phone calls about account issues and my phone number has never changed. My credit report shows all of the Sallie Mae/Navient accounts as closed, but there is only one balance as still unpaid and the account name is " U.S. DEPARTMENT OF EDUCATION ''. Recently I had {$7000.00} taken from my federal tax returns by the IRS/Dept of Ed ( which has never happened before ) I assume? I am currently trying to find information, but it is very difficult to get in touch with the Department of Ed, as well as Sallie Mae/Navient.
Company Response:
State: NY
Zip: 10128
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 completed the repayment of my loan via monthly payments in XXXX. In XXXX, I was contacted via email that there was still a small amount due as a final payment, I paid ~ {$40.00} dollars and received a letter that my debt was repaid. In XXXX, Navient contacted me claiming that I owed ~ {$2100.00}. I advised them that I had repaid the loan in XXXX and sent a copy of the letter. They called me again and they could not match the account closure letter to the final payment. The customer service person advised me it was my responsibility to provide proof. I again sent the letter. Another contact, and " maybe this is for a different loan '', but I only had one loan. I again sent a copy of the letter to a manager via email while on the call. He acknowledged that he could see the monthly payments, and the final payment in XXXX, but there were no details in the system to confirm that I closed the account. The loan has now moved around to three other servicers. They contact me, I send the letter. No contact for 3 months, then another servicer contacts me. I send the letter again. Next servicer.
Company Response:
State: NJ
Zip: 08753
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: I had apply for the income base repayment plan and was approved fro this type of loans but this year XXXX XXXX XXXX took my refund with out even talking to me about how i want to repay the loan or when can i start making payment and i really do need my refund i am homeless and was counting on that refund to found some were to stay
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
Date Received: 2019-02-25
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I was placed into a ( Navient ) payment plan I believe during XX/XX/XXXX and payments were made of {$130.00} from that point up until today. However, during XX/XX/XXXX i received a phone call stating that the program that i agreed to was not the right one any longer so I had to complete the over the phone process again and agree to terms. I then received a phone call in XX/XX/XXXX stating that the program was not the correct program again and I had to do the entire agreement over the phone again. In XX/XX/XXXX I received another phone call stating that I was not in the correct program although payments were still being automatically taken out of my account. I was apprehensive about these phone calls as it seemed every month i was getting a call stating that it was the wrong program, so I waited to see if another payment was going to be drafted as it in fact was. I believed that since payments were coming out, that I was still in the program and i did not receive anything in writing stating otherwise. I then finally received a letter in the mail in XX/XX/XXXX stating that I was now in default and the balance was due of XXXX. The entire time payments were being made and I agreed to the program they advised me on. I don't think it is fair and practical to call three months straight saying I was in the wrong program although i agreed to the terms and made payments. I need help getting out of the default status and I believe the burden should be on them as they gave me wrong advice and stated that I was in a program for repayment. Thank you! I plan to call again to try and resolve this, however, they are not being as understanding as they should.
Company Response:
State: VA
Zip: 22206
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 had a loan with a principal balance of {$64000.00} since 2013. It is now over {$70000.00} due to accrued interest. Interest has been a nightmare for me and I am sure plenty of other students. I was tipped early on to pay attention to interest and pay it down while in school, and I did so. I even paid some of the smaller school loans off in full before my loan went into effect in 2013. From the get-go, I have always been on an income based plan. At that time, there was no way I could afford rent, utilities, daycare, etc. along with a $ 700+ school loan payment each month. When I was first applying for the income based plan, I spoke to a representative about it in general. He explained to me that the payments are lowered but only low enough to cover interest. As such, I was always under the impression that the payments were only as low as the interest that accrues each month. Otherwise, what's the point? I do not like to let interest accrue. I do not want to risk having any accrued interest capitalized. I would not have agreed to this if I knew better. I feel I was misguided. Anyway, I started the plan. I set myself up for automatic payments. I went on with life until I felt I could start paying down my loan. After some time, I noticed the balance on my loan jumped from XXXX to over 70k. How did my balance increase after I have been making payments on it regularly? I called to question it and learned that it is due to {$6000.00} of accrued interest! My payments are less than the amount of interest accrued each month, so it has been racking up without my knowing. Who knows if it has even been capitalized. I keep trying to find documentation to figure out so, but I can't find anything to help me much. The rep says it isn't capitalized. So here I am ... ready to try to tackle some of my principal, and I can't, because I have a ton of accrued interest to work on before I can even touch principal. I feel helpless. What's the point of having an income based or other plan when you are struggling financially? All you are doing is paying and/or accruing interest ... never touching your principal. I thought the income based plan lowered payments yet still applied to a portion of principal and interest in a pro-rated fashion to what the regular payment amount would be. This is not helping us!
Company Response:
State: PA
Zip: 15146
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Starting on XX/XX/2016 I started the process of Disputing debt being reported by Dept of EDXXXXNavient who was reporting ( 7 ) accounts to my credit reports, all the same, account number but different amounts totaling {$94000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 to Dept of ED/Navient and again on XX/XX/2016 to all 3 credit reporting agencies XXXX, XXXX and XXXX. I explained these accounts did not belong to me and were unverifiable. Additionally, all accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. I provided copies of my ( 14 ) different letters addressing each line item on my credit bureaus and copies of signature required service via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Company Response:
State: SC
Zip: 29609
Submitted Via: Web
Date Sent: 2019-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Information on my credit are inaccurate since XX/XX/XXXX regarding loan and payments. Took a break from school in XX/XX/XXXX and already receiving " payment due '' notifications through email.
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2019-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-23
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was enrolled at XXXX University for a total of 10 days. I am not a high school graduate therefore I did not understand the curriculum. After calling the admin at XXXX she stated no problem and I would not be charged. Now there is a federal student loan for {$9500.00} plus interest that I owe. First, I was informed that since I did not qualify to attend college with no Diploma and no Equivalent and unenrolled within 10 days, I would not be responsible for any charges. Second, I was never informed that the charge was {$9500.00} on two separate loans. After attempting to contact Navient, they refuse to help me get this resolved. Navient also states that I was enrolled at XXXX University XXXX ( Which I never attended ). They have also reported me late several times to all credit reporting agencies which I don't understand and completely disagree with as the months I was reported late, I was under a deferment. Not only is Navient not looking into why I was charged {$950.00} a day on two separate loans but has also ruined my credit by reporting negative marks.
Company Response:
State: TX
Zip: 791XX
Submitted Via: Web
Date Sent: 2019-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-23
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I orginally took out a student loan for amount of {$2000.00} in 2010. With the accrued interest the balance is over {$3300.00}. Also it includes every school I have attended thereafter. However they are not reporting my accrued interest correctly so when I file my taxes, it seems as tho i am only paying in the principal amount. Accrued interest is calculated everyday however they are reporting it incorrectly.
Company Response:
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2019-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A