Date Received: 2019-01-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My issue is with Navient I called on Friday, XX/XX/XXXX and requested first to speak to the advocate team. I was instead directed to someone in customer service. All the information on my account was incorrect, the phone number was out of date, the address and email. I informed the customer service representative that I was unaware of my circumstances pertaining to my account as I was out of the country completing my training for a new career. As well as that my school forbearance was no longer active. I updated my information and was enrolled into a program that was supposedly income driven. I gave them my information and made my first payment to come out XX/XX/2019. I specifically asked that since I am enrolling in this program and making a payment will my credit be negatively affected to which the the representative responded youre enrolled, you will be fine. I was reported to the major credit departments for non-payment. I called today to ask what happened and was told that no one promised that my credit would not be affected and that my payment is a partial payment and wont apply towards my forbearance for 3 months. I was never told this on the phone, just that as soon as I am enrolled into the income driven program It would reflect on my account. I spoke to a supervisor today XX/XX/19 at XXXX at Navient who told me ( without reviewing the call record ) that my complaint never happened. The supervisor also told me that the program is not income driven it is a type of forbearance used to get accounts back on track. Also i was told by the supervisor that I should change my payment date to the XX/XX/XXXX to avoid any other reporting. When asked if i could have email of our conversation, i was told that is not possible and that I would have to take their word that a note will be added to my account.
Company Response:
State: PA
Zip: 15136
Submitted Via: Web
Date Sent: 2019-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Several years ago, I was paying off a large student loan debt with Sallie Mae via online payments. Around the time that Sallie Mae was moving the servicing of its existing loans to Navient, they removed my account from online access so I could no longer view the balances or make online repayments- for no apparent reason. This made it more difficult to make and track payments and marked the beginning of endless Navient problems. I attempted to rectify this on multiple occasions and reinstate online access but was never reinstated despite numerous calls. I had previously made some extra payments by phone to Sallie Mae to pay certain loans in full and close them out early. There were never any issues with that process, so I made a large phone payment to Navient to close several loans around XX/XX/2013. I had given specific instructions over the phones and received verbal confirmation that payments were made to specific loans to pay the balances in full and close these out. Almost a year later, I was shocked to receive an overdue balance notice in the mail for some of the loans I had paid off. I called Navient customer service at least a dozen times requesting an accounting of payments made and how monies I paid were applied, and spoke with numerous reps and supervisors in the call center with no action taken to provide me with an accounting. I was told that despite having an open overdue balance, Navient had supposedly sent me a refund check for over 300 dollars. They had no viable explanation for why I would receive a refund if I still had outstanding debt. Needless to say I had no record of receiving this check, and would certainly remember it had it actually arrived since it clearly indicates an error. When I asked about the credit, they attributed it to a difference in interest that had been quoted at the time of my payment but had not yet accrued because it was done mid payment cycle and therefore needed to be credited. I then clearly illustrated to the rep that this explanation is mathematically impossible because the dollar amount of the credit was equal to roughly a year of accrued interest based on the loan principal amount times the interest rate. He agreed, and stated he would look into the account further but took no action, again, to provide the detail on the account. I finally asked for a formal complaint process and was told the only option is to write a physical letter to an ombudsman and mail it. I did just that and wrote a detailed letter, mailed it to the address the call center provided and waited approximately 3 more weeks. When I called to check on status, I was told my letter was never received. Since no accurate balance or payment history was made available to me and errors with misapplied payments were never corrected, I did not make any additional payments after this time since I did not know what the actual balance was, or which loans were open that ought to have been cleared. Quoting an incorrect balance or loan numbers did not stop Navient from their collection efforts against me and from ruining my credit despite failing to address and correct the issue. Aside from endless calls for collection, they reported and continue to report this as bad debt each month for multiple years. They have added interest and penalties to the balance and have validated this debt as accurate when I've disputed it with the credit reporting agencies.
Company Response:
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2019-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been with Navient for probably 12 years now. I have never been able to afford to make payments on my loans, due to my debt being so much higher than my income. Navient never ONCE offered me the option of an Income driven repayment plan. I have talked to them dozens of times over the years. I found out about it on my own about two years ago and requested it from them. I have been in forbearance ALL of these years while my interest has continued to accumulate and skyrocket my balance into a payoff amount I will never be able to afford and nearly double my amount owed at graduation. I understand there is a law suit against Navient for this matter and I want them to write off my accumulated interest due to their unsavory and unethical collections practices. Please help! Had I been on this IDR back when I started asking for help, I would be almost half-way through the commitment as opposed to only a few years in.
Company Response:
State: CA
Zip: 96007
Submitted Via: Web
Date Sent: 2019-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was unable to put my college, XXXX XXXX XXXX California, into your system. PLEASE DESCRIBE THE ISSUE YOU HAVE REPAYING YOUR LOANS OR GRANTS? I attended XXXX XXXX of California, which closed while I was attending. I was told that because I was a single mother of XXXX and making very little that I would be able to attend college for free. Not only did the college close as I was attending, I also was saddled with a large debt. XXXX XXXX also gave me the promise that I would be able to return and continue my training after graduation, this was vital to me as a mother of XXXX, I would need to continue my training ; another unfulfilled promise. I have talked to my loan providers numerous times about this and have always been shuffled along while the interest on my loan has almost doubled. I then took out a private loan to get my XXXX XXXX degree. I have paid this off in full. Several teachers told me I should get my California teaching degree and that there was a great program called The XXXX and it would pay off any student loans that I had because our school is a rural, XXXX XXXX school. I was also told that the XXXX is a great program by XXXX, and many teachers that had done the program in the past had left not owing anything. Because I was in a XXXX school the XXXX would apply to me. I joined XXXX 's teaching credential program. I was finishing my XXXX degree, working on my CA XXXX degree, mothering XXXX children and working full time. I went to immediately apply for the XXXX program and was told it was no longer viable. I called my the Department of Education in XXXX and my local senator at the time. I was told that the government felt like the program was under utilized and so it was on hiatus. I begged to be grandfathered in ; my pleas on deaf ears. I then applied for the XXXX program, while I was in my Ca. Credential. Nothing ever came of this, except I received a new whopping debt to add to my last debt. I then was advised to apply for the XXXX XXXX XXXX, as I have over 5 years working at a XXXX XXXX XXXX. This was rejected. I have tried to call, but every break I have my loan servicer is closed. I work weekends, nights, holidays trying to bring the best education I can to my rural students. I have been dis-missed by the student loan servicer and government, undervalued, underpaid, overworked and saddle in accumulating debt. This is unreasonable!
Company Response:
State: CA
Zip: 95482
Submitted Via: Web
Date Sent: 2019-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-21
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: I have been dealing with Sallie Mae. They sold my loan to Naveint. I private loan to pay for college. I started paying the loan off in XX/XX/XXXX. The loan amount was {$20.00}, XXXX. I have been making set payment that@XXXX directly withdrawn from my bank account each month. I called today to see why they say my account is delinquent. Apparently I owe a payoff amount 0f {$23000.00} I have two interest rates one of 13.5 % and the other 13.125 %. It is now XX/XX/XXXX and I owe more then I did in XX/XX/XXXX. I have paid this bill every month via automatic with drawl from my bank account. I asked about a lower interest rate. They say I cant do that. I asked what else I can do to pay this off. They have no recommendations. So as of today they raise my payments again because my interest rate went up. Before this they billed my account late payment fees each month because they say the bill was not paid on the due date. I have called several times. My husband has called several times. We say why are there late fees? You with drawl money every month on the XXXX. There should never be a late fee. This company has charged me years of late fees. After 9 years of payments balance is higher than what I borrowed. I don't understand how this is possible? I pay my bills? I'm not trying to cheat the company. In fact they are cheating me. I need someone to help me figure this out. Please investigate this fraudulent company. Please tell me how to deal with them?
Company Response:
State: MD
Zip: 21009
Submitted Via: Web
Date Sent: 2019-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-21
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Good afternoon, I am writing to you today as what feels to me to be one of my final options in terms of the situation I have put myself in with student debt. The long and the short of it is that I currently hold three different set of loans ( Private : Sallie Mae, XXXX ) ( Federal : Navient ). Each loan having a sum of {$50000.00} or more. As you could imagine my monthly payments are of unreasonable proportions. My student debt accounts for almost 70 % of my monthly income which leaves a disproportionate 30 % for all other expenses. In recently doing my finances I have discovered that I actually lose on average {$100.00} a month from any saving due to the amount of money I lose to loans a month ( approx. {$1600.00} a month just in student loans! ) I find myself writing because I truly feel a decline in my quality of life and the stress has actually worsened even though my salary has increased periodically since graduating three years ago. Being put in situations where if my job does not pay me on time results in me missing a monthly loan payment is the hardest thing to cope with at the present time. I have quite frankly given up calling the the private lenders because the conversations end with one answer " There is nothing we can do, you already pay the minimum amount. '' I apologize for the long winded explanation but I have attempted to consolidate and constantly am denied, I assume because of the ridiculous amount I owe. I took out these loans at a time where my judgment was clouded by the fact that the only way to receive a decent education and struggle with issues on a more personal level in terms of getting the opportunity to move out of a broken home, I can see now why I took the only option given to me which was taking out student loans without understanding these consequences at all. Needless to say I am not coming up with excuses in any way. I have honestly just completely lost home in a decent quality of life and come to terms that my daily actions are constantly determined by the burden of my student loans. I have never defaulted on any of the payments and have made repayment my sole motivator to stay employed and earn an decent wage. I reach out to you to begin a dialogue as to how I can address the issues I am in and how I can move forward to get some form of assistance.
Company Response:
State: NJ
Zip: 07026
Submitted Via: Web
Date Sent: 2019-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-21
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I have been dealing with this situation for many years and I have spoken to the ombudsman who basically did nothing after Navient responded with no explanation. I have received multiple letters from Navient with different balances and no proof of how the balances were created. Currently Navient states on the website that I owe them XXXX. However they just sent me a letter via mail that I owe XXXX. I have been dealing with this situation since I was in school at XXXX. I had to stop attending because I ran out of money, that is the 1st time I was aware of a problem. Besides the fraudulent activity of the school which I also have a claim on, Navient is changing the amounts constantly. When I got a lawyer to handle the situation, suddenly Navient makes up that I had loans from another servicer and they have now been added to the loans. I never had loans from XXXX, this is what Navient is now claiming. When I started XXXX I had XXXX is student loans from Sallie Mae This was for going to the previous XXXX XXXX College, and I also have made many payments under the IBR program. Now I somehow have accumulated XXXX in student loans even though with a revised letter from Navient that now says I owe {$23000.00} from the XXXX, that creates an unexplained amount of debt in question. My debts before XXXX were paid. And while I attended the college, I was also making payments. The amount of money XXXX University said that I borrowed is {$29000.00}. You can see from the math there is around $ 30K in interest accrued in less than 5 years. Of that amount, only {$1800.00} dollars is accrued interest on the XXXX loans which I attended earlier then XXXX. None of this is adding up correctly, and I have had an accountant look at it and tell me this is not correct. Navient will not provide any evidence that I owe this money accept a promissory note that could have been to any school. A master promissary note does not mean I owe every bit of debt that is tacked on from different people who have my name or from miscalculations from Navient. I do not owe this amount of money. I begin making payments in XXXX, and I want it to get allocated to the right accounts. I'm not going to make payments on someone elses bills. I was not sent any payment coupons and it says there is nothing due on their website. However I have a letter that says when I begin my repayment. I want to have the correct balance on the XXXX loans. I want them to take responsibility and explain their calculations.
Company Response:
State: OR
Zip: 97007
Submitted Via: Web
Date Sent: 2019-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have {$100000.00} of loan debt via Sallie Mae/Navient, and XXXX They continue to mislead me in regards to interest rates, I am the victim of high inflation rates, aggressive collection tactics, incorrect account balances, inaccurate payment allocation, uncooperative customer service, missing documents and records of phone conversations
Company Response:
State: VT
Zip: 052XX
Submitted Via: Web
Date Sent: 2019-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My accounts were paid in full through Sallie Mae in XX/XX/XXXX by consolidation before Navient and Sallie Mae separated. Navient and the XXXX XXXX XXXX continue to report inaccurate information. The XXXX customer service states that they do not have a record of an account that is in default, delinquent or past due in my name but continue to send default notifications in the mail. Both companies customer service has threatened arrest, used fowl language, and when I request documents regarding the account they claim I owe, I am hung up on. They refuse to provide documentation that any balance is owed or that the account reported has been previously paid in full and on time to Sallie Mae. Navient has falsely reported payments made to all three credit reporting agencies with the most recent being XX/XX/XXXX and XX/XX/XXXX.
Company Response:
State: KY
Zip: 42431
Submitted Via: Web
Date Sent: 2019-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-20
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I got a report from XXXX XXXX my school loan increased {$800.00}. I have auto payments. I pay $ XXXX monthly. Got a report it increase {$800.00}. No notification why.
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2019-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A