Date Received: 2019-02-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navient had informed me that the my payments were current. A credit report showed that i was in good standing in XXXX loans but not the XXXX other loans. I called the customer service rep and they informed me that i was late on XXXX loans, and that i should consider placing the loans on deferrment.
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I thought I was on track with the " help '' of Navient to be in line for the PSLF and that is when I found out that my publicly backed student loans do not count as qualified payments. I needed to convernt my loans to direct loans. My loans were owned by the department of ed and serviced by navient, but that wasn't all that was needed for the PSLF. That seems to be what was best for navient. Also, I spent years struggling to repay and Navient kept pushing me into hardship forbearances instead of even telling me about the income based repayment plans. That would have saved me a lot of fees and interest over the years. 10 years out of school I have a student debt principal about what I borrowed. I would say the train of misinformation began after my XXXX XXXX in XXXX with forbearances and fee city. In the early XX/XX/2010 's I got setup on IBR after reading about it online and struggling with the company to get me the paperwork. I was never explained about direct loans vs FFEL, which my school pushed me into the FFEL loan program as far as I can tell, no alternatives were explained. I was misled about the PSLF qualifications with my IBR based loans as qualifying even though they are not.
Company Response:
State: CA
Zip: 95356
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XXXX, I made a payment of {$2800.00}, and selected the option to apply overpayment to the largest interest rate account, which was account XXXX. This should have paid of account XXXX, but I still saw that the account had a remain balance of {$0.00}. I called Navient to ask them to fix the issue. After fixing the issue, I saw that they changed amount of payment on XXXX from {$2800.00} to {$2700.00}. This is not correctly and I am afraid Navient will only continue to make a mistake to my account. My goal is to pay my student loan off this year, and these errors are causing me to worry about me potentially overpaying for what I actually owe. Could you please help me fix this issue?
Company Response:
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I think I may be a victim of predatory lending when it comes to the terms and conditions of the private loan I had originally taken out with Sallie Mae, now Navient in 2007. The interest rate is insane and the amount that is taken out of my account automatically each month can change without notice or approval. I have been repaying this loan for over 10 years and still have 3 years of projected repayment for a loan that was under 10,000. I called Navient to try to talk about options and concerns with a representative who told me I had zero options because it is a private loan and the conditions were decided by the lender ; and could offer no aid or suggestions. The school I attended for which I took the private loan out is not even in business any longer and appears to have had many other complaints on legitimacy as well.
Company Response:
State: WI
Zip: 54701
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Navient has a underhanded tactic of pointing me in the direction of forbearence rather than more affordable repayment options. Forcing me to pay more in the long run and never mentioning I have options that will work with my salary. They stated I missed payments in XX/XX/XXXX, when I did not XXXX until XX/XX/XXXX. They have ruined my credit and continue to steal money from me.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I attended an XXXX school name XXXX XXXX XXXX in XXXX. I took out a student loan for the XXXX semester of XX/XX/XXXX. When the school winter break was over and the 1st week of school we was told that the school was losing their accreditation and the spring would be ending early around XXXX instead of the normal time in XXXX. So I was never able to take my spring courses bc of the school closing early due to the lost of accreditation. The disbursed the money to the school in XXXX of {$2600.00} which i did not attend any classes and the administration said that my loan would be cancelled since the school was closing. than years later i found out i still owe for a loan I never used. I been trying to talk to so many people and Navient the current loan owner which Sallie Mae was the original loan owner about this problem but since the school is considered open instead of closed even though no one attends and there is no administration they just wont consider it a close school bc the school keeps filing bankruptcy.
Company Response:
State: PA
Zip: 15237
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: NAVIENT STUDENT LOAN DEBT. AS A STUDENT AT XXXX XXXX IN XXXX FLORIDA. I DID NOT KNOW THAT A PRIVATE LOAN SHOULD NEVER BE AN OPTION, IF YOU COULD QUALIFY FOR A SUBSIDIZED OR NON-SUBSIZEDI LOAN. THEY REALY WERE UNINFORMATIVE OF THE RAMIFICATIONS THIS TYPE OF LOAN COULD PRESENT TO ME. THAT FORBEARANCE WAS REALLY NOT A HUGE OPTION WITH THESE TYPE OF LOANS. EVEN AS RECENT AT FRIDAY XX/XX/2019 EVEN THOUGH I HAVE TOLD THEM I DO NOT HAVE THE FUNDS TO PAY THAT HAVE INSISTED IN AN UNAFFORDABLE PAYMENT TO COME FROM ME.
Company Response:
State: FL
Zip: 34744
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX ACCT # XXXX TEL XXXX XXXX XXXX XXXX. XXXX MI XXXX XX/XX/XXXX I am writing this letter to file a formal complaint against XXXX XXXX-specialist and her alleged supervisor XXXX XXXX. During this debt collection process I have repeatedly asked for written confirmation of payments made to be sent via email. Each time Ive asked I am told that the company will not send out such statements and that in order for me to keep track of my payments I need to check my bank statements and add them up. Ive complained several times and as a result was sent out 2 additional statements reflecting the settlement agreement and payments made. The 1st was begrudgingly sent on XX/XX/XXXX. I asked again for a statement on XX/XX/XXXX and was again met with strong resistance. After persisting in my request, I was transferred to a supervisor who met my request only after my insisting that the documentation be sent as a measure to avoid any misunderstanding as to amounts paid, outstanding debt, and expected payments and completion date. We came to an understanding that I wouldnt ask for this type of document for the remainder of the repayment process and that a final report would be sent to me nearing my due date in XX/XX/XXXX. On XX/XX/XXXX I finally received the documentation via email. On XX/XX/XXXX I called my specialist Ms. XXXX XXXX and requested a verbal confirmation of my remaining balance. She stated on a recorded line that my settlement balance for account # XXXX as of XX/XX/XXXX was {$3300.00}. I asked her was she absolutely sure of that balance and she stated emphatically that she was SURE and that was my remaining balance. I accepted this Information as true and proceeded to make a {$1000.00} payment, and I scheduled an additional {$600.00} payment to be processed the following day and to clear the following Tuesday XX/XX/XXXX after the federal holiday. These payments both posted to my bank account, and based on the balance I was quoted by Ms. XXXX I was working with the assumption that my remaining settlement balance was {$1700.00} On XX/XX/XXXX I called and initiated an {$800.00} payment which cleared my bank on XX/XX/XXXX. Once again relying on a professional trust of my specialist Ms. XXXX XXXX and the info she provided me during our recorded conversation on XX/XX/XXXX I assumed that my settlement balance would be {$960.00} after the {$800.00} payment posted. On XX/XX/XXXX I called to make what I thought would be my final payment. I again request my current and most recent balance and to my extreme disappointment Ms. XXXX quoted a remainder of {$1400.00} more than {$600.00} above my calculations based on the information provided to me by her on XXXX XXXX. She provided absolutely no explanation for her misrepresentation and went in circles argumentatively. she then called our conversation an argument when I demanded an answer for her actions and questioned her about giving me misleading information. She took absolutely no responsibility for her distortion and implied that it was some how my responsibly to keep track without any written confirmation of payments and withstanding her misrepresentations of my accounts accuracy. I am writing this letter to formally complain and request that my account and all communications be reviewed and taken in account in determining the accurate and remaining balance of my settlement agreement. I also ask that this complaint be escalated to the next level as I have already spoken with Mr. XXXX XXXX and he has upheld Ms. XXXX misrepresentations and rhetoric repeatedly while at the same time apologizing and patronizing me. The date of this letter is XX/XX/XXXX and my settlement due date is XX/XX/XXXX so time is critical at this junction as I intend to keep my commitment to settle this debt. Thank you in advance for your help with this matter XXXX XXXX ACCT # XXXX XX/XX/XXXX XX/XX/XXXX
Company Response:
State: MI
Zip: 48238
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I spoke to a customer service manager about a Rate Reduction Plan. After going over my financials she said that the loan would go up higher. Unfortunately, I can not afford the increase and when I asked to speak to a manager and I told her that if the loan was any higher I wouldn't be able to afford to buy groceries or gas and she said to me WELL YOU JUST GOING TO HAVE TO DO PROVISIONS WITH YOUR FOOD. Then I tell her unless I go to a women 's shelter I won't be able to afford any of that. Then I got upset and I said that unless I go to the street and start CHARGING for services she says WELL I CANT TELL YOU WHAT TO DO BUT YOU HAVE TO DO WHAT YOU HAVE TO DO.
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: After several conversations with Navient, I was FINALLY able set up a six ( 6 ) month payment plan ( after an hour and a half on the phone and confirming my and my co-signer 's financials ) for more than I could afford, but the " best that could be offered to me ''. Since then, I have made one payment and received several ( around seven ( 7 ) or eight ( 8 ) calls over the course of three weeks ) asking me how I would like to bring my account current. Today, I spoke with them again, informing them that the phone calls are now getting ridiculous and that they need to work their system better if they couldn't see that I had set up payments. In today 's conversation, I was informed after them reviewing my account, that the plan I had been " approved for due to an override from a manager '' I no longer qualified for. I was also told that because I had a co-signer, they were required to help me because that's what a co-signer is doing when they agree to sign for the loan. I informed them that my co-signer was yes, able financially, but not willing to help me due to the age of the loans and the fact that I had been able to pay them in the past. I am now trying to work with them in regards to payments, but because of my co-signer 's income, they are telling me I do not have any programs to qualify for lower payments on. My original plan was three payments of {$44.00} and change, followed by three payments of {$100.00} and change. I am now told that I MUST make a payment of $ XXXX/month for 15 months set up all at one time or my account will be reported delinquent to the credit bureau. I have XXXX children ages XXXX and under. With my check barely ( or not quite barely ) able to cover insurance and childcare, we are left with my husband 's income to pay the rest of our bills every month. These student loans were taken out in XXXX ; making these accounts XXXX or more years old. I currently work for the lXXXX XXXX XXXX and had been hoping that I would be able to qualify for student loan forgiveness and now that seems to be out of reach. I don't know what I can do, where I go from here, or how to handle this.
Company Response:
State: MN
Zip: 562XX
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A