Date Received: 2023-04-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I originally filed a report with your agency back on XX/XX/XXXX, # XXXX. At that time, your agency would not listen or even attempt to assist me with the ongoing fraudulent activity happeneing with Navient and within the University XXXX XXXX. In XX/XX/XXXX, Navient agreed to pay more than {$31.00} XXXX in relief to XXXX borrowers due to this. WHY was mine not included? I looked for your agency to be the voice of the people and assist us - your agency was far from that. As part of the XXXX XXXX XXXX settlement, I have been automatically granted relief with my student loans that had been fraudulently placed on forebearance, out of control payment plans, and more. Navient had been known for predatory tactics and taking advantage of many. Your agency should be ashamed for not listening not just to me by the countless others who looked at you for help.
Company Response:
State: IN
Zip: 46804
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: XX/XX/2023 at XXXX I called Navient and told representative that my payment XX/XX/2023 will be 25 years of payments and what do I need to do to get my balance dismissed. Navient rep said they only show 10 years of payments. I told rep I paid Sallie Mae before that. Rep told me that doesn't count.
Company Response:
State: FL
Zip: 34668
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have had a Sallie Mae/Navient private student loan since XXXX. It is now XXXX, and I still owe more than what I originally took out. For years, I have BEGGED Navient to assist me with making affordable monthly payments, and they have never truly helped me. My solutions were to either pay the amount given, enter an " interest-only '' payment plan where the loan is put into forbearance and I pay the interest that accrues, or pay a {$50.00} fee to put the loan into forbearance for a few months. Since the interest only payments were still too high, and they would not make my payments affordable for my {$7.00} an hour income, I had no choice but to put the loan into forbearance and also because I did not want anything to negatively effect my cosigner. Once they told me I had " run out of forbearances, '' I called asking them what I could do now. They told me to simply pay off the loan. When I told them I couldn't afford it, they suggested I get a 2nd job. All of this is documented on their recorded calls. I decided my next course of action would be to do just that. I got a 2nd job and decided to start the process for cosigner release. The instructions were to make 12 on time monthly payments in order to qualify. I paid well over 12 months of monthly payments before applying. However, once I did, Navient told me that my income was too low and my credit was not high enough. I decided then to build my credit and get another job and try again. However, once again, I was denied. After that, I fell into a financial hardship due to being laid off. I called Navient to ask what my options were, and they told me nothing except entering an interest only payment plan. I told them that I was unemployed and begged them to understand that I had a child that would go without if I had to continue paying them almost {$200.00} a month. However, they did not care. When the Navient settlement came out, which indicated that Navient was forcing people into forbearance and not offering affordable payment plans to borrowers, I knew I would qualify due to having to pay to put my loan into forbearance for months. However, Navient told me that my loan did NOT qualify for forgiveness at all when my circumstances are identical to those who were given forgiveness. I have tried for years to find a resolution with this company, and now I am at my wits end. I've never filed a complaint before, even though I've had every right to do so for years. However after reaching out to counsel this is what was suggested as Step 1. Considering those 13 states, including mine, filed a lawsuit for the same thing I have been through only shows that this company has been keeping borrowers in debt purposely for YEARS and the fact that my loan was not in the running only further proves my point. I've been forced to reenter forbearance and interest only plans over and over just to be able to " afford '' a monthly payment when these payments have not gone towards my loan at all. I have made on time payments for years and have been continuously denied cosigner release. I believe I have overqualified for the Navient Settlement and was not given relief. Even right now, I am in an interest only plan because they refuse to help me by lowering my regular payment. This is not fair to me at all, and I hope that this complaint can result in some sort of resolve that will help me remove this burden. Thank you in advance for your time, and I hope to hear from someone soon.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Someone claiming to be Navient told me that my brother, whom is the primary borrower was relived from the loan and I ( co-signer ) was inserted as the primary borrower. My brother claims he has been told repeatedly that his loan was forgiven due to the recent lawsuit against Navient. I think this is a scam but I can not afford to assume since I did co-sign the loan many years ago. Please help!
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am a co-signer on this loan with Navient. The original amount of the loan taken out on XX/XX/XXXX was {$11000.00} and payments begain being paid to Sallie Mae XX/XX/XXXX. We did run into financial trouble and had to declare bankruptcy and we were told we couldn't include student loans and the loan was transfered to Navient XX/XX/XXXX with a balance of {$18000.00}. We were always offered forebearance and did not know of any income based repayments but were offered rate reductions twice. Payments have been made pretty steadily since XXXX. I have sent Navient almost {$17000.00} since XXXX and my current balance is still {$15000.00} owed. I have just noticed that most all of my payments since XX/XX/XXXX are going to interest only. During this time period I have sent them {$3000.00} and only {$740.00} has gone to principle. I don't know how long they haven't required payments but I have sent money each month thinking I was paying down the loan.
Company Response:
State: GA
Zip: 31324
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have attached supporting documents. In XXXX, I submitted a borrower defense application to cancel the Navient student loans I had from attending XXXX XXXX XXXX XXXX the student loans defaulted in XXXX. I have not made payments on those loans since XXXX. Navient kept placing the loans into forbearance without my consent stating it was automatic forbearance due to the covid 19 pandemic. After the multistate settlement was complete, Navient refused to cancel those loans stating the loans defaulted in XX/XX/XXXX. I have attached supporting documents and emails to prove that Navient purposely placed the loans into forbearance to prevent cancellation, my last payment on those loans was in XXXX. The borrower defense application was recently approved for my federal loans from XXXX XXXX. The attached documents prove the private student loans with Navient qualified for cancellation under Navient AG Settlement, which qualifies for cancellation if loan had 7 consecutive late payments or default. instead of cancelling the loans, Navient keeps reporting the student loans as " charge off '' on my credit report. Ive also attached a copy of Navients representatives response to my complaint to the TN attorney generals office, she falsely claims the loans were not cancelled because they did not default until XXXX XXXX XXXX
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Navient calls every morning at around XXXX XXXXXXXX. With the previous calls I have requested that they send me everything in writing on. I believe Thursday, XX/XX/XXXX I returned a call with them and requested that they adhere to my request for them to provide everything in mail. On Saturday, XX/XX/XXXX I received a call from Navient ignoring my request. I requested a supervisor, but was told no supervisor was available until Monday
Company Response:
State: MD
Zip: 21213
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Yesterday I had a phone call conversation with two representatives from Navient 's customer advocate office who confirmed they are the ones who respond to all CFPB complaints. During the call the representatives directly contradicted their response to CFPB complaint case # XXXX on the matter of their refusal to release my cosigner in accordance with my Promissory Note. During their response to case # XXXX Navient stated I was denied cosigner " On XX/XX/2017, you were denied for cosigner release, for one reason. '' and also stated " We have enclosed a copy of the full letter sent to you on this date explaining that you were denied for only reason number 2, missing proof of graduation. ". - During my call yesterday, which is recorded, Navient stated their legal department determined that proof of graduation was part of their credit inquiry. But this is simply not true in any industry nor has it ever been outlined by Navient. I asked what other credit criteria Navient imposes and was told that was " proprietary '' information- even though my Notes clearly outline Navient isn't allowed to have any undisclosed requirements not approved by me. - More so, in their response to the CFPB case # XXXX they listed all the requirements as : you, the borrower, must provide proof of successful completion of school, be a U.S. citizen or permanent resident, be up to date and have made 12 consecutive, on-time payments of principal and interest immediately before applying, and pass a credit check including income verification when the release request is processed. ". - Navient appears to not fully understand what a comma means and if proof of graduation was part of the credit check - the requirements would not have been separated by a comma. But this is because all can see what they are trying to do. For years they stated one thing without ever reading my actual Note and once they figured out they have been wrong and have caused harm, simply can not admit fault and correct their actions as doing the right thing is not allowed apparently. - Navient is also refusing to allow me to speak to a manager or equivalent job classification in the advocate 's office and now has all calls forwarded to one " supervisor '' XXXX who has already ended a call mid conversation when he struggles to face factual information he is unable to distort or distract from. XXXX has also stated this morning that, quote, " you have no right to request to speak to a higher authority '' - meaning by his own decree which he does not have the authority to decide that I must only speak with him. Even though he has already proven he has no desire to engage in any sort of factual conversation. - Navient, DO NOT, just post a response that you send to the XXXX Department of Banking. My complaint is here with the CFPB since the conversation placed yesterday directly contradicts a prior response. -Navient needs to explain why they either lied to the CFPB in case # XXXX or lied to me yesterday which regardless has now caused great harm to my cosigner.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account has a 1st delinquency date of XX/XX/XXXX. XXXX has already completed an investigation in XXXX stating this item would be removed in XX/XX/XXXX - 7 years past date of first delinquency. Navient continues to provide inaccurate information to keep this charge-off on my credit report. This removal that was scheduled for XX/XX/XXXX was now moved to XX/XX/XXXX based on new information Navient provided. This account should be removed according to FCRA regulations. I am requesting the account be removed.
Company Response:
State: FL
Zip: 33713
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a Federal Student Loan Balance under {$4000.00}. I submitted applications for federal student loan forgiveness as well as, public service student loan forgiveness. While the Biden Administration works out those details, student loan payments and interest have been paused. Navient has harassed me with phone calls and reported my account 90 days delinquent to the credit bureaus. This has dropped my credit score over XXXX points. I am in the middle of a home repair. This fraudulent behavior is costing me and my family money.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A