Date Received: 2019-02-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: 1. Voluntarily increased monthly payment by $ XXXXmonth. Requested to go back to original amount and Navient denied it. 2. De-authorized bank that payments were being drafted from and Navient drafted the {$320.00} payment anyway. 3. The Navient website states that you can stop automatic payments, but you can not. 4. The amount of interest paid on the original principal is more than sufficient to cover the loan and therefor the loan should be forgiven.
Company Response:
State: VA
Zip: 23321
Submitted Via: Web
Date Sent: 2019-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-16
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: XX/XX/2019 I called Navient about options available to me for postponing or lowering my bill. The due amount came to a total of XXXX for that month. The loan total owed in its entirety comes to XXXX. I let them know that my mother and I are both recently unemployed. They searched for options and said I had exhausted all forbearance 's and deferments of any kind. I asked about lowering my payments and they let me know there was nothing they could do to lower my payments as they were already as low as they could make them. There was a series of three calls made that day made in attempt to hopefully find some sort of person that might be able to help, and the answer always ended the sameway. This is the amount I owe and there is nothing we can do to change that at this time. I stressed the dire nature letting them know that there was no possible way for me to make a payment in my current condition and no options were made available. XX/XX/2019 I checked my balance and it shows I missed a payment. I had not been contacted about options they might have discovered or changes since my previous inquiry. I really wanted to find some sort of solution through them but in the end I was trapped in a position where the company provided no relief no matter what I did to try to make it right.
Company Response:
State: FL
Zip: 33040
Submitted Via: Web
Date Sent: 2019-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: On XX/XX/19 I am still enrolled in school and Sallie Mae wants me to pay for my loan and has attempted to collect money while I am still a student
Company Response:
State: CT
Zip: 06074
Submitted Via: Web
Date Sent: 2019-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Re Loans : XXXX XXXX, XXXX XX/XX/2019 XXXX XXXX, Co-signer, Navient Account # XXXX Loan Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Navient has sent negative reports to the major credit reporting agencies stating that we are behind in the above Navient loans. My credit score dropped XXXX points because of their error. I am a co-signer with my son on his school loans. Navient claims my son hasnt made payments since XXXX. These are AUTOMATIC withdrawals. They were withdrawn in XXXX, XXXX, and XXXX, applied to these loans, and suddenly, in XXXX, Navient claims they haven't been made. My son has bank statements from XXXX XXXX showing that Navient received these payments. We are in the process of sending these reports to Navient. Apparently these funds have now been applied to the Federal Loans that XXXX has ( those loans without my signature. ) If so, this was done without our authorization or approval. By doing this, the loans I signed for ( all shown above ) have gone UNPAID, causing Navient to send negative reports on my credit. This is unprofessional if not illegal and they should be held accountable for hurting customers in this way. I know these payments were made on the loans I signed for, but Navient says they were not. While this would never happen at Navient, whoever diverted these funds should be held accountable because it ruined my credit as well as my sons. Thank you for any help. XXXX XXXX XXXX
Company Response:
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2019-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-16
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I was a student of XXXX College of XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. When I was recruited they told me I can apply even if I didn't not have my XXXX XXXX Diploma or XXXX. I told the recruiter I felt uncomfortable but he assured me that the have a program in which I can work on getting it, as I got my XXXX diploma. I agreed and started my new life. A few months go by and I ask about my GED classes, I was told they didn't have XXXX classes and there was an investigation into my recruiter. The next week 10 to 15 people had to take the XXXX test with out any prep, or knowledge. I passed but soon quit as I felt the collage was not right and my diploma would be worthless. I had to pay XXXX down and XXXX in loans, also used XXXX in Grants in which I have unused funds left over. I was unable to transfer, or get any info about what I should do. I did not have the internet back then and was unaware of my options. I was told I could spend another XXXX and try again. This has cost me credit scores, interest paid, tax returns being taken from me and my kids. I paid the loans off in XX/XX/XXXX. If you know of how I go about seeing if I could recoup my money in loans, and reset my grants. My number is XXXX.
Company Response:
State: MO
Zip: 64068
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear Navient, This is not a duplicate do not mark it as such, this is a complaint on your buthering of my credit reports. In response to CFPB Complaint XXXX The payment history for the accounts listed in the dispute are not and were not accurate. You word means nothing Navient. Among other things, the CFPB alleges that since at least XX/XX/2010, Navient has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts.
Company Response:
State: IN
Zip: 46235
Submitted Via: Web
Date Sent: 2019-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Was told on previous correspondance I was approved for income based repayment. Then asked to complete an app again. They then asked for pay stubs despite certifying through IRs and my last tax return, and I complied. After completing the second application I was told I was approved and had to pay a new amount eventhough salary had not changed last year. Then I got correspondance today saying my app that was electronically filed is missing a signature. And they are also asking for pay stubs again. Eventhough I was approved and told to pay the new amount in XX/XX/2019.
Company Response:
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2019-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am eligible for student loan forgiveness because I am a XXXX XXXX XXXX working in an impoverished school district. However, I keep getting denied.
Company Response:
State: NJ
Zip: 08234
Submitted Via: Web
Date Sent: 2019-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My Sallie Mae loan was transferred to Navient which they have the right to do so. After exhausting all deferments I had to start paying on my student loans. On XX/XX/2012, I began working for a nonprofit and asked for the PSLE and kept being told it was not an option so I was paying 75 % of my income to this loan. I kept getting calls and do to language barriers, their representatives were not entering my correct banking information to set up my automatic payment withdrawals. I gave them the banking information and the the telephone number and was told this would be taken care of. After 4 missed payments, not my fault, this hit my credit. I have asked for them to be removed and was denied. I also found out they were deceptive in the fact that that since I did work for a XXXX, I did qualify for the PSLE and transferred my loan to XXXX XXXX and have had no other issues. Their deceptive tactics need to be addressed.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2019-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-16
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I am a co-signer on a loan that my daughter took out while in XXXX school. I am receiving excessive calls from Navient, the company handling the payments. When Navient calls, the caller ID on my phone says " Incoming Call '' and the calls are generally 2 to 4 seconds in duration, several times a day. The calls generally start around XXXX XXXX and continue throughout the day until almost XXXX XXXX. In a 14-day period from XX/XX/2019 to XX/XX/2019, I have received 41 such calls most lasting less than 4 seconds, which unless I have the phone in my hand is impossible to answer. And even when the phone is close enough for me to attempt to answer, the caller hangs up before I can even say hello. These calls are not meant to be answered but are meant to harass. Attempting to answer my phone is especially difficult for me because I am a senior citizen recovering from XXXX XXXX. With my XXXX XXXX these constant calls are nerve-racking and harassing. I realize that Navient is attempting to collect a debt however they should not be able to call and not be on the line when the call is answered. While these calls do not show up on my caller ID, I am able to retrieve my call history from my phone provider, XXXX. On XX/XX/2019 over a 7-hour period from XXXX XXXX until XXXX XXXX I received 7 such calls over a 7 hour period : XXXX XXXX - 3 seconds XXXX XXXX - 3 seconds XXXX XXXX - 2 seconds XXXX XXXX - 3 seconds XXXX XXXX - 4 seconds XXXX XXXX - 3 seconds XXXX XXXX - 3 seconds
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2019-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A