Date Received: 2019-02-14
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: While attempting to look into the Public Service Loan Forgiveness program, I was given advice to consolidate my student loans via Naviant which in turn, made me ineligible for the program.
Company Response:
State: CT
Zip: 06851
Submitted Via: Web
Date Sent: 2019-02-21
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 get other flexible options for repaying your loan
Consumer Complaint: I applied for loan forgiveness as I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as an XXXX XXXX. I applied under the Public Service Worker forgiveness program only to be told that my loans did not qualify because they were not direct loans. I originally got statements from Sallie Mae that changed to Navient. I have seen the lawsuits against Navient and believe I am one of those affected.
Company Response:
State: AR
Zip: 718XX
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: This is after case XXXX. Navient responded and confirmed most of the problems I reported. However there has been no actions to fix or compensate the previous issues. Since then I have cancelled Auto-pay, changed the over payment option to Pay down the principle ( which is what I had ORIGINALLY chosen ), AND un-grouped the students loans for better visibility and tracking. I also paid off a large chunk of the loans including complete re-payment of one of the loans. At this point, there are currently 2 loans completely re-paid. After doing these changes, my minimum monthly payment went from XXXX {$400.00} a month to > {$710.00} a month. No explanation or reason provided. I only thing I could assume from this change is with the over payment choice. However my PRINCIPAL DID NOT CHANGE ; there is potential for missing funds. I called Navient last week about the situation. I was on hold for about 2 hours before being able to speak with someone. The representative looked at the situation and responded with " Hmmmm ... .that is not right. I don't know what is going on with this '' and " I will get it fixed for you ''. She reported submitting the situation to be fixed ; getting the minimum payment adjusted. The representative also shared that it would show up on my account within a few days. I have seen no changes to my account and there has been no further response.
Company Response:
State: AL
Zip: 35758
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: Need information about your loan balance or loan terms
Consumer Complaint: I am adding up all my loans from both of my schools and I am requesting original loan documents and statements of balance since date of disbursement and they are not helping. Things are just not adding up. I don't if it is because I am better educate but I can not wrap my head around the fact I barrowed $ XXXX and had to repay $ XXXX at time of repayment.
Company Response:
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Navient was suppose to be trusted but all things listed below is what : created obstacles to repayment by providing bad information processed payments incorrectly overpay for their student loans ; harmed my credit
Company Response:
State: MD
Zip: 21212
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I applied for the income base repayment plan, after a year had gone by and had to renew the plan they never sent the paperwork to renew it. After which they then repeatedly called me at very inconvenient times while I was at work leaving daily messages about it. When I was able to call them they told me the only way to move forward was to forbearance the past due amount which had late fees attached or pay the past due amount. Which was around 700 dollars. So I had to forbearance it and then they said I had to apply for the income based repayment plan and quoted me a monthly payment that was twice as high as it had been before and was more the the payment would have been without the plan. This matter is unsettled as they were unwilling to work with me by just repeating my options with no additional help. I also was in a car accident and was out of work for a few months and they also only gave me the option of forbearance and only helping to lead me to more and more debt.
Company Response:
State: CT
Zip: 06067
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I currently have my federal loans in borrow defense since XX/XX/XXXX. the sallie mae/navient ones are private loans. this company has closed this account and wrote it off and yet continue to report as delinquent to the credit bureau which brings down my credit. They have used a few collection agency to go through to try and collect money and I sent out a validation letter to the companies and I have dispute it from the credit bureau. The credit bureau nor the collection agency is able to validate any of my information which goes against the FCRA law. I found out that the borrow defense does not apply to federal loans and told me to contact you guys due to borrow defense claims with XXXX XXXX. They just reported it delinquent yesterday XX/XX/XXXX which goes against my letter that I sent. I am very upset with this company. I would recommend NO one to use this company EVER if they need a loan.
Company Response:
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: asked why the fees to servicing the loan was so excessive, and at the time i could not pay all of my loan amount because of my pay, they would not accept a lower payment. At the time i lose my home and my job., so paying them was out of the question.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2019-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX, I made a {$5000.00} advanced payment against my private student loan serviced by Navient. The loan servicer subsequently reduced my usual monthly payment, which is automatically deducted from my checking account, from {$210.00} to {$62.00}. Today is XX/XX/XXXX. I called Navient multiple times requesting the monthly payment be maintained at $ XXXX/month in an effort to achieve early pay-off of this debt. How long and how many calls is reasonable before Navient finally gets around to adjusting the monthly payment, which will pay off this student loan ahead of schedule?
Company Response:
State: NY
Zip: 10021
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: i sent a letter back on XX/XX/2018 asking them to correct the misleading and incorrect information. They never responded to me at all.
Company Response:
State: PA
Zip: 15212
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A