Date Received: 2019-02-15
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Sallie Mae has been harassing myself and my co-signer with phone calls all day, on our cell phones and work phones. Yesterday I received 5!! Co-signer got 6. Its all day long. Getting in trouble at work for our phone continuously going off.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2019-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Over a period of months they've contacted my neighbors, my siblings, my sister-in-law 's parents, and engaged in harassing phone calls when they know how to reach one of my parents and myself. The purpose is harassment. Having learned the nature and background of this loan service provider who bought my loan supposedly from XXXX XXXX, I refuse to deal with them. They've repeatedly violated federal and state Fair Debt Collection Practices, and engaged in profane, abusive and harassing patterns of conduct. I do NOT trust their reputation given their proclivity for fraud to enter or sustain any contractual relationship with them nor repay loans with them as the student loan service provider of record, and I request injunctive relief from the U.S. federal government, including but NOT limited to forcing their resell of my student loan to another service provider. I would prefer to have my loan resold to another loan service provider. I will NOT voluntarily enter into a contractual refinancing of my student loan with Navient given their reputation and the present allegations made against them by the CFPB and the Attorney Generals of several states from Pennsylvania to Washington State.
Company Response:
State: VA
Zip: 24540
Submitted Via: Web
Date Sent: 2019-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navient is reporting my accounts as late when I was in forbearance and it damaged my credit score
Company Response:
State: MI
Zip: 48192
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I've already disputed the inaccurate information through the credit bureaus and also directly with Department of Ed/Navient. Department of Ed/Navient received all six of my disputes sent to them via certified mail on XX/XX/XXXX. Still, to date inaccurate information continues to report on my credit. Navient 's response to my dispute did not address my concerns. Department of Ed/Navient continues to misreport 6 accounts on my report. The reporting shows that these accounts were 90 days late on XXXX of XXXX. It is not possible to be 90 days late, without first having a 30 day late, a 60 day late and then a 90 day late. The FCRA requires a furnisher to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the inaccurate information. There were six certified mail letters with tracking numbers listed below, and thus six opportunities for them to fix the errors. XXXX XXXX XXXX XXXX XXXX XXXX Attached is a copy of the XXXX inaccurate accounts reporting on my credit file. In light of the recent court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, XXXX Vs. XXXX XXXX, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. Furthermore the response Navient sent to me dated XX/XX/XXXX stated Attached is the payment history of your 50 most recent transactions. This did not address my dispute of the 90 day late reporting that supposedly occurred on XXXX of XXXX. I did not ask for a recent payment history. I am disputing the inaccurate reporting that occurred on XXXX of XXXX. What I expected to received was documentation showing such lates and an accurate reporting of what transpired. In addition the 50th most recent transactions provided by Navient did not include the transactions around the XX/XX/XXXX time frame and was therefore completely and utterly useless ; and therefore leads me to believe once again that Navient did not read my dispute and certainly didn't address my concerns or the damage to my credit file. Navient response states that this delinquency occurred prior to the forbearance but again provided no evidence, nor did they provide an explanation as to how the 90 day late report can appear on my file with no corresponding 60 or 30 day late. In their second letter responding to me also dated XX/XX/XXXX they state as follows : Although a deferment or forbearance applied to your account resolved your past-due status, the delinquency reporting you want removed occurred prior to the deferment or forbearance start date. Therefore, the delinquency information was accurately reported to the consumer reporting agencies. In the above statement Navient continues to confirm that the reporting is correct, which as I've clearly mentioned in my dispute how is it possible to report 90 days late, without first being 30 days late, then 60 days late and then 90. My dispute is in regards to the accuracy of what they are reporting. Navient was in receipt of my dispute on XX/XX/XXXX ; they've had well over the 30 days as required by the FCRA and per Nevada law to fix this reporting and have failed to do so. I request removal of the inaccurate 90 day late reporting from my credit reports as outlined in the FCRA.
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: This loan was taken out in XXXX for roughly 10093 dollars, which is currently at 28000 dollars roughly. At no time did the school tell me this was a private loan when we was going through the process. I was told this was standard. First time ever taking out a loan. Did not know until XXXX that this was a private loan when the information started coming in the mail. Tried to fight this by calling Navient with no help. It was either pay or this will go on your credit, which it did. I was finally able to get someone to seen me documentation in XXXX about this promissory not. No where on the application says anything about this being a private loan. On a separate piece of paper, without my signature, saying this is a private loan. The only signature on the document is from a person at the school. I was completely mislead by XXXX XXXX and been trying to get this fix with Navient for 9 years now. Finally gotten some where by getting this website to fill this paperwork out.
Company Response:
State: TN
Zip: 38053
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Repeated calls each week at all hours with message left. This has been going on for multiple years. Occasionally then send letter claiming outstanding ticket for 2006 for {$720.00}.
Company Response:
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have 2 Direct Subsidized student loans and 2 Direct Unsubsidized student loans. I discovered them on my credit several years ago and I have asked Navient to provide me with all of the loan documents to prove that I signed for these loans more times than I can count. They have told me over and over that they will not and do not have to provide me with that information and that since I attended the community college they have listed then the loans have to be mine. I explained how I did go to that community college but I DID NOT request any loans. Then after I stated that to them they told me it was done electronically. I informed them that my ex-husband could have done all of this without my permission because I know for a fact that I never received any money from the community college. I have been able to get on an income based payment plan but I never even applied for these loans nor did I ever receive any money that they say I owe. How can I be responsible to pay for something when they can not provide proof that I signed for these loans. Just because I attended that community college should not be a valid way to prove that I was actually the one that signed for them. I want to see the documents that I signed for. I want proof that I signed and received the money. I filed chapter XXXX and the loans showed taken in chapter XXXX and then all of a sudden they show current and not taken in chapter XXXX. How is this possible that they go from being taken in my chapter XXXX bankruptcy to being a valid loan again? Something needs to be done about this. I don't even have a degree or a high school diploma. I am responsible for something I did not do and they refuse to show me proof. I don't know what else to do.
Company Response:
State: CA
Zip: 92557
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Dear CFPB, I am extremely frustrated with my student loan servicer, Navient. I graduated with a XXXX in XXXX and a lot of debt. I went into repayment in XXXX with Sallie Mae. In XXXX, I received the option to consolidate my loans when I received a letter announcing that Navient would be buying out my loans. At that time, I had been working XXXX years ( full-time ) for a XXXX XXXX organization and I had just learned about the Public Service Loan Forgiveness. I called Sallie Mae and specifically asked if the consolidation would impact my eligibility for PSLF. I was told by Sallie Mae that I would still be eligible but to wait until after split between Sallie Mae and Navient took place to apply. In the summer of XXXX, I took a new job with a different XXXX organization that also meets the requirements for an employer in Public Service Loan Forgiveness program. I sent in the required documents to Navient in late XXXX and was told I did not qualify. I asked " why? '' and that I had spoken to Sallie Mae and they had indicated otherwise. The representative said I would have to increase my payments to an " astronomical level '' and that " the loan repayment plan I was currently on '' did not qualify for PSLF. This phone call left me deeply shaken as I was already paying XXXX a month and could not begin to think what an " astronomical level '' would be. I have now accumulated 10 years of employment in a qualifying non-profit or government institutions and have made 10 years of monthly student loan payments via automatic payments ( auto-pay ) tied to my bank account. I have been in repayment for a total of 15 years. Navient shows that I am only 36 % of the way to my repayment date of XXXX/XXXX/XXXX. I will be XXXX years old. I feel 100 % cheated. As a first generation college student and XXXX student, I was repeatedly counseled that student loan debt was " good debt. '' While I am grateful to have received the loans to aid my scholarship money, my XXXX XXXX tuition waivers and part-time jobs, I am deeply disappointed and frankly, angry, that I can not get on top of this debt despite years of faithful repayment and being told I could qualify for PSLF. I recently read in XXXX and in other sources that I am far from alone in this predicament. Instead of feeling any consolation, I feel enraged. 2 % of applicants actually qualify for PSLF? Please. I am surrounded by XXXX professionals who make far more income than I do who were also deeply in student loan debt, but their loans are being forgiven by other loan servicers who actually help up their end of the deal. Having my Federally guaranteed loans bought out by Navient was not my choice. But now I have no choice but to deal with a company that seems not to care one bit about what student loan debt is doing to people who are trying to contribute to a cause larger than themselves. Sincerely, XXXX XXXX ( formerly, XXXX XXXX )
Company Response:
State: OR
Zip: 97224
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: they call me 9-12 times a day 7 days a week up to XXXX even weekends and holidays it feels like harassment because I can't pay my loan back I have XXXX and XXXX and choose not to try for XXXX as I would probably be denied. I try to work but have a very unstable work history due to my conditions.and they keep telling me I have to be XXXX in debt or make these unreasonable payments or keep accumulating interest on this loan that I will never be able to pay. I have asked them to limit their calls and robot calls to me me but it continues from XXXX to XXXX 9 to 12 times a day. This is very stressful to me and is destroying my credit making it impossible for me to make my already difficult due to health reasons impossible. I understand I owe them money and they want it but calling me 12 times a day is not gon na fix my health condition it actually makes it worse and harder to not stress and makes the working condition worse. I need some serious help with this. They have called 3 times in the time it took to get this far on this complaint. XXXX from Navient has let 3 messages/ I do not have the money to pay and deferment just keeps making the debt bigger not helping me as my XXXX aren't going away only getting worse and can work less and less.
Company Response:
State: GA
Zip: 30512
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I was in an in-school deferment with a subsidized loan through Navient for the entirety of XXXX. I finished my program and expected that I would soon begin to be responsible for accruing interest again. I checked frequently, logging into my account on at least a weekly basis. For that entire time period from XX/XX/XXXX-XX/XX/XXXX, Navient reported to me that my unpaid interest. There was no change in balance, any accruing interest or a change to my deferment status. No statements or communications from Navient were received in this time. I wanted to make sure I was on top of my payments, and so I checked repeatedly. They viewed my account login information and could see that I was diligent with this. On XX/XX/XXXX, I received my first statement from Navient since I began the deferment. Interest began accumulating and I had an upcoming payment due. That all looked correct as expected. What was incorrect was a change in my balance. It wasn't immediately clear why, but my balance had increased by {$150.00}. No explanation was given, no charges or unpaid or past due interest was reported. I called Navient and was told that interest had capitalized and added to my balance. I asked how this was possible, as the day before Navient was still reporting the unpaid interest as {$0.00}. I was told Navient would investigate and follow up. Twenty-four hours later, I received three documents from Navient explaining my balance and how interest works. These did not address my complaint. I called Navient again and spoke to three employees including two supervisors ( # XXXX and XXXX ). I was told I was retroactively charged interest because the paperwork had just arrived from the school explaining I had finished my program. I understand wanting to charge me interest for that period. My complaint is that the interest was charged despite Navient actively reporting my unpaid interest as {$0.00} and then IMMEDIATELY capitalized with zero communication to the consumer. It is not ethical, fair or honest to capitalize interest that has not actually accrued. If Navient had at any time during that period reported to me that interest was accruing, I would have paid it. They did not do so and retroactively penalized me, increasing my balance and total amount I'll owe over the lifespan of my loan, without a single statement. I still have not received documentation that interest accrued during that period. Navient simply decided to tell me it was {$0.00} but capitalize it anyway. I was told on the phone this problem would be investigated to prevent {$0.00} of unpaid interest in being reported to others in the future, but nothing would be done for my account since the interest had already capitalized. They were essentially saying the process is meant to go from phase 1 ( no interest is accruing ) to phase 2 ( interest begins accruing ) to phase 3 ( interest is capitalized ), but they could only solve my problem in phase 2. That's an insult because my complaint is specifically that they went from phase 1 to phase 3 with NO communication to me as the consumer. It is an unethical practice that puts the student on the hook for slow communication between Navient and the schools. At the bare minimum, I should receive an accurate statement of accrued interest BEFORE that interest is allowed to capitalize. Navient 's failure to do so is taking advantage of students who may not notice increases in their balance.
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A