Date Received: 2019-01-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am currently XXXX and being supported. I got behind on my payments and called on XX/XX/2019 to see what could be done in order to lower my payments so that I could not get further behind on my loans. I gave them all my financial details and told them how much I could afford to pay. They determined that I could afford more and so told me what the " lowest '' possible payments could be ( enough though it was beyond what I could actually afford ). I sacrificed making other bill payments and also sacrificed groceries in order to come up with the payments that they are expecting me to make. I gave them my banking details and agreed to {$130.00} payments. I get a phone call today ( XX/XX/2019 ) AFTER my first payment was made ( XX/XX/2019 ) and was told that their representative gave me the wrong information ( interest rate ) and that I needed to pay MORE ( higher interest rate ) if I wanted to be accepted into the reduced payment plan.
Company Response:
State: IL
Zip: 610XX
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: First - the loans where fraudulent! XXXX XXXX XXXX XXXX pushed loans on us to satisfy the schools enormous fees and tuition. They recruited me from a reputable XXXX XXXX School in Idaho where the fees per semester where {$1200.00}. The school/personnel sold lies and deceit to get me to recruit me, and keep me there. They said don't worries about the fees, we can get you the money, you'll make 100+ right out of school, and they did everything in their power not to accept transfer credits to lighten the loan. Furthermore, after the federal loans where made the pushed on me the private loans even without a cosigner and with XXXX fees. I was young and unaware of the consequences since I believed everything sold to me. Now, after school was over I was offered a job ( official for {$14.00} hr ). I was offended and appalled!! I negotiated {$40.00} k a year and that was only because I was top honor of the entire school and had leverage. But even that much was significantly lower than what was seen out in the market. I would have made more being a sales person at XXXX XXXX or an office secretary. At this time we truly considered the absolute deceit and unfortunate circumstance we were in and decided that I had to return to school to get a better career! Meanwhile, I have applied for the borrowers defense for the federal loans to be discharged ( still pending but should go through ). XXXX XXXX XXXX XXXX ( who owned XXXX XXXX XXXX XXXX and other For-Profit-Schools ) was litigated and judge XX/XX/2019 as to forgive existing debt they hold ( {$490.00} million ) for student loans they own for students who attended their school. For me my loans where sold off to Sallie Maie/Navient. Now the Navient loans were not in the lawsuit but my contention is they were fraudulent just list the loans XXXX held and the Federal Loans given under that same school. I am still in school with training and with a husband with now job and XXXX kids and with a negative cash flow, Navient is calling me daily at my work and family and friends to get me to pay something I can't and shouldn't because of the fraud!!! I feel like I am not protected in anyway and have no where to turn. My loans have not been address either with Navient or through an existing lawsuit. I don't believe Navient has given me options adequate enough to the fraudulent loans to feel comfortable. I have XXXX in debt with them and they wanted to settle for XXXX. The problem is I can't pay what they're asking and have no place to get it. Let alone I don't think it's right especially considering what they've done. I think the loan in some way should have been discharged because of the terrible practices by both the school and Navient. Furthermore Navient Solutions is looking for something that works for them and not me. Of course the agent on the end of the line gets a piece of what they settle and that's how they're paid but I feel strongly that I shouldn't pay anything! I will offer today XX/XX/2019 to settle for $ XXXX which comes from a credit card of my husband, some from what little cash we have at the bank and some from a family member. Other issues as a result of all this is a XXXX attending me. I am on some XXXX and XXXX medication and I feel trapped! Additionally when I decided to switch careers as a result of how I was burned and lied to, I choose to XXXX. I was fortunate enough to get accepted and graduated from XXXX school at XXXX in XXXX. I am there now as a 2nd year resident. Navient Solutions knows this and are hassling my work and co-workers to cause pressure on me. Furthermore they know I'll make money in 4 years and are asking me to come up with XXXX wtih the remaining to be paid at the end of 4 years. This is their leverage but again - because of the fraud I feel like Navient and like XXXX are cheating me again. Anyhow these are multiples issues but the largest one - these loans being requested of me to pay on are fraudulent and I don't know what to do next.!
Company Response:
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: In 2009, i went to school for XXXX XXXX and finished school. The problem is that the financial side of the institute gave out loans that were compiled daily in the Federal side of Government. I signed a loan for {$20000.00} with a co-signer and the interest daily was 3 % & now 9 %. The woman I spoke to told me that my payments were to be {$350.00} a month and & I made those payments for 2 years & the loan with the interest would go down, but only kept climbing instead of decreasing. My loan now is over 70,000 approximately. It has now gone to collections with a company Navient has chosen. I have no Idea how to climb out of this one. I only make {$12.00} an hour and am trying to live at the same time. This is a loan that Navient should have never had in their company. It has only done harm then good.
Company Response:
State: ID
Zip: 83642
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I graduated from XXXX XXXX University in XX/XX/XXXX. My loan servicing company cant give me any information on when they originally received my loan. I was steered in the direction of forbearance for all these years with years of incurred interest. My loan my was around 15,000, now is XXXX the majority of the total is interest. I will be begin to pay this loan in XX/XX/XXXX. These loans were taken out in XX/XX/XXXX.
Company Response:
State: VA
Zip: 23606
Submitted Via: Web
Date Sent: 2019-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX I paid off my student loan on line. It is through a company that doesnt seem to know whether its coming or going unfortunately. I went to their web site and paid off the total amount it gave me for an unsubsidized and a subsidized loan in of {$9800.00}. The website didnt like that amount it directed me to make individual payments for sub and unsub loans. I followed instruction and made a payment of {$6300.00} and then a payment of {$3500.00}, I received conf # on both transactions. On XX/XX/XXXX my parents found their account was over drawn and had a service charge of {$34.00} for returned checks. Naivet had taken all 3 amounts, the first total amount the site didnt like of {$9800.00} was withdrawn. Additionally the 2 individual amountswere also taken. They owe me {$9800.00}. They were very quick to put a mark my and my moms credit. They are incompetent when it comes to correcting their own mistake! Today is XX/XX/XXXX. I have called them5 times been on hold most of the day or on line there is never a real answer. Give it another week ...
Company Response:
State: CO
Zip: 80634
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I graduated with my XXXX XXXX in XXXX XXXX studies and started paying off my student loans in XX/XX/XXXX. Initially my loan was with Sallie Mae ( now Navient ) and it is now with XXXX XXXX. When I discussed my repayment options with Sallie Mae on numerous occasions, they always insisted I repay my loans using the standard payment plan and discouraged me from the income driven plan. They told me I would pay my loan off faster if I did the standard plan and encouraged me to pay more on top of the monthly payments when it was feasible for me. They did not present the public service loan forgiveness program as an option to me, even though I was clearly working in the public service department as a XXXX XXXX. I honored that plan, making my payments timely and in full over almost 6 years, even paying extra principal whenever I could spare, trying my best to get ahead as they advised. In XX/XX/XXXX I discovered the Public Service Loan Forgiveness ( PSLF ) program and contacted my current loan company, XXXX XXXX. They explained I would qualify if I simply switched to an income driven repayment plan. I immediately changed my payment plan, applied for the PSLF program and qualified. In retrospect, I was paying considerably MORE on a monthly basis and at a higher interest rate ( even without the additional principal I was trying to pay ), in the Standard Repayment Plan then I would have had I been enrolled in the Income Based plan from the start. Let alone the fact that I would have been accumulating credited time towards loan forgiveness. Had I been properly informed of my options, this one plan in particular, I clearly would have gone this route. When I was told by my loan company and PSLF that there was nothing they could do to for the 5+ years I lost out from participating, I contacted my lawyer who directed me to our state congressman, XXXX XXXX XXXX I explained to him that the previous 5+ years of loan repayment did not fall under the strict guidelines currently in place for eligibility of the PSLF program and I was interested in the possibility of the guidelines being amended going forward and possibly on a retro-active basis. Unfortunately, they were unable to help. I have recently discovered that I am one of many individuals that were wrongly advised by Sallie Mae ( now Navient ). If it wasnt for their misguidance to convince me to pay more using the standard loan repayment plan and steer me away from the income based plan, I would have qualified for PSLF 9 years ago. Not only would I have saved money a monthly basis, but I would qualify for complete loan forgiveness later this year. Instead I have paid thousands of dollars more than necessary and will be paying off my loans for an additional 5+ years. I have struggled at times to make my payments but have always made the sacrifice and kept it a priority. It is wildly unethical what Sallie Mae/Navient has done to me and apparently many others. Clearly they mislead customers like me for their own profit. Before I continue to pursue this legally, I thought it would be beneficial to make a formal complaint to your department.
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I was told that I could not request a lower payment or request a deferment for the student loan sometime after XX/XX/XXXX. I was out of work from XX/XX/XXXX-XX/XX/XXXX. The payments stayed around {$400.00} or more dollars the entire time of the loan. I request for lower payments because my total student loans were over the minimum percentage of my income. Sallie Mae still refused to lower my payments. As life happen and I to pay for emergencies and necessities over a {$400.00} student loan. When I did get scholarships to help pay for my student loans, Sallie Mae did not take the amount to my principal but to my interest. Therefore the scholarships were worthless because it would only cover about 3-4 months of payments. I took FMLA recently and was unable to make any type of payments. I can provide documentation if need be. Before I knew it, my entire student loan was sent to an aggressive collection agency called XXXX. They have contacted my work via phone calls and emails. The majority of the amount I owe is mostly from interest accrued not the principal. I wish I had never gone to this college and gotten into this undying debt. These interest rate calculations for these students loans are pathetic!
Company Response:
State: TX
Zip: 75231
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I am in the process of repayment under an income based repayment plan. Upon renewal, I submitted the application but the information was input as deferment/forbearance instead of renewal. I then began to receive calls about information I had already submitted. My monthly payments then doubled beyond what my income can support, and I was unable to make online payment as I did the prior month. I am in the process of resubmitting this information again but the web-site has changed and is less friendly than before. I am now having to mail this information, prolonging the handling time
Company Response:
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Sent payment XX/XX/XXXX. Payment reversed back to bank & account not found. XX/XX/XXXX- upon registering online to view my dashboard I noticed my account was put into administrative forbearance without my consent between the end of XX/XX/XXXX & middle of XX/XX/XXXX. I have since acquired over {$100.00} in interest. XX/XX/XXXX Called shortly after XXXX, first representative I spoke with told me they did not have my address on file and wanted to fix it, I declined wanting answers on the changes to my account. She tells me it was done by the government because of FEMA- I lived in an area of catastrophe. She then corrected herself and placed me on hold. Under 10 minutes she comes back explaining it was done by law do to my lawsuit of bankruptcy in Texas. ( I AM A PA RESIDENT ; NEVER FILED BANKRUPTCY ) I ask to speak to a manager or supervisor. 2nd representative ( XXXX ) comes on the line completely unaware of the previous conversation ; and asks me to clarify my mailing address. ( First representative didnt have it?! ) I explain to her I wish to speak with a supervisor ; someone who knows the ins and outs of the company. She transferred me to XXXX XXXX. He also has my address on file that the first representative said she did not have on file. He explained it very poorly about a bankruptcy lawsuit in Texas, my account would be pushed into claims as a priority to understand how my account was placed in administrative forbearance. I would receive in writing what exactly happened within 7-10 business days. I was extremely confused and asked him to explain the lawsuit information as he had explained In such a way I thought my information was used in Texas of which he said the allegations were not towards me in any means. When I asked if it was the lawsuit against them he said he couldnt speak due to legality terms. They couldnt even advise me on what I needed to do next besides wait for their letter in writing! They wont accept payments yet its negatively affecting my credit score.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: In XX/XX/XXXX, I filed bankruptcy. My Navient loans went into a forbearance that basically double my loans instead of being discharged. After the bankruptcy was discharged in XX/XX/XXXX, I have been trying to work with Navient to lower my payments. They have often put my loan into forbearance and I am no longer given the option for an income based repayment plan as they say I am no longer eligible. I tried to request lower payments but, because I have a cosigner, they would not work with me. I tried to have my cosigner taken off my loans but they said that it is not possible unless the cosigner dies and I have proof of it. The high cost of the loans is creating a financial crisis in my life and Navient is unwilling to work with me on lowering payments.
Company Response:
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A