Date Received: 2019-01-20
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: When I got out of the Military in 2004 I wanted to go to college and I was not aware nor did the college tell me about my Military benigits that I was entitled to, like my GI bill and Post XXXX bill. Instead they pushed me towards private student loans. Almost line they were getting kick back from the companies to steer students to get loans. I did not know my loans were private student loans until years later when I applied for a law enforcement forgiveness program through the Department of Education and they told me I did not qualify because my loan is a private loan. Also. Sallie Mae originally had my loan and sold it to Navient. I borrowed {$25000.00} in 2004 and I pay {$330.00} a month and still owe {$28000.00}, more then what I borrowed. Also, neither company explained if I did forbearance that it would keep adding money to my loan, and they never got permission from my mother the co-signer of my loan to do forbearances.
Company Response:
State: TX
Zip: 765XX
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: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I Graduated from XXXX college in XXXX owing XXXX worth of student loan, I paid back, and struggled through a divorce and every time I would call Navient, ( Sallie Mae transferred my loan to them ) I was told to just take a forbearance. I filed bankruptcy in XXXX, and paid XXXX toward my loan and was told when I got out in XXXX I still owed, XXXX. I don't understand. I paid on these loans I wasn't always in a forbeance or deferment. But I cant get no help to figure out where the money I paid went. I also have worked at a place that qualified for loan forgiveness, but I am being told that none of my payments until I had enough and switched to XXXX XXXX qualified for loan forgiveness. I need some answers and no one seems to want to help me.
Company Response:
State: LA
Zip: 708XX
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: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Basically I have been paying for years on a loan thats going no where. I have been on the income based repayment plan for a a few years now. I was inquiring about loan forgiveness programs as I have in the past. I am a public school teacher and was told that I was 74 payments in on the 120 total required for public loan forgiveness. Navient then told me to apply for the program with the department of education. I did, several weeks later I received my letter. I was denied, the department of education said I did not have the correct loans. I called navient back and told them about my letter. They said yes, you have to have a certain type of loan and that I could consolidate my loans and start all over at payment 1. At this point I was furious. I never missed payments, in the years since they took over my loan from a previous servicer. Everytime I would call they would push forberrance on me everytime like they really wanted me to do it. I felt pressured to put my loans in forberrance everytime I called in but I never gave in. But again I was more than upset that not once had they ever mentioned in my 74 payments that none would be counted. I feel they purposely did this so they can make more money. I need help, this is wrong, and companies like these are taking advantage of people!!! Please help.
Company Response:
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2019-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-19
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Navient purchased my loan and since they have taken over my loan my interest rate has steadily increased causing my monthly payment to go out. I have kept making payments and tried to call and get answers as to why I have received so many increases I received no answer from the customer service agents and just more frustration due to their " help line ''.
Company Response:
State: WI
Zip: 53719
Submitted Via: Web
Date Sent: 2019-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-19
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: They didn't want to work with me
Company Response:
State: CA
Zip: 92395
Submitted Via: Web
Date Sent: 2019-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-19
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XX/XX/XXXX, Navient took over my student loans from XXXX. I am a XXXX XXXX XXXX in Virginia and I've been teaching since XXXX in mostly XXXX XXXX schools. My XXXX 's loans were managed via XXXX and I repaid them in full. I took out a loan for my XXXX XXXX XXXX because, at that time, Virginia was claiming they intended to replace all XXXX XXXX XXXX XXXX who had no XXXX XXXX XXXX with XXXX who did possess a degree. I completed my XXXX XXXX XXXX online through the University of XXXX. One of the loans tied to this degree is a Stafford subsidized and the other is Stafford unsubsidized. XXXX was the servicer until the date noted above. I requested, in writing, that XXXX keep my loan because I'd paid off the previous set of loans to XXXX in full. I'm not a deviant or irresponsible loan borrower and I knew Navient was already being sued for mismanaging student loans. In XX/XX/XXXX, I paid my monthly installment at Navient 's website. I proceeded to review their different repayment plans. There was no way to see what the new repayment installments or length of repayment times would be without completing an application. Nowhere on the website or application did Navient state that filling out an application was a binding contract to a new repayment plan ; if it had stated this, I would never have applied! I thought and still believe, based on the information provided, that I was simply applying for a potential new plan just like I'd apply to see what type of mortgage I might qualify for. After I filled out this application, I received an email link to a document stating I was now bound to this new repayment plan. I called Navient to discuss this but nobody seemed to be able to explain how an application became a binding contract. A supervisor named XXXX, ID number XXXX, came on the line and confirmed that Navient did not disclose the terms of completing an application. I've reported Navient to the XXXX several times. I've received letters from two different 'consumer advocates ' relative to my complaints. The most recent letter stated that I was correct -- -Navient did NOT disclose the terms of this application and the supervisor on the call did confirm that ; however, the 'advocate ' did not offer a resolution that would allow me to return to the previous plan. The new plan will extend the length of my loan and I will be paying more in the long run, which was not what I was trying to do when I applied. I wanted to see if a different repayment plan would be a more financially affordable option than the one I was previously using. All Navient has offered is to redo my plan again on their terms, which would continue to lengthen the life of the loan and cost more money for me. I will gladly forward or share the communications from Navient if needed as well as the XXXX complaint numbers. Navient is preying upon people like myself who are middle class citizens in careers such as public education and have student loans equating to a mountain of debt. I've already paid back more than half of what I originally borrowed for the XXXX XXXX XXXX and because Navient ( and XXXX, for that matter ) never contacted me about the status of the loans relative to Public Service Forgiveness, I did not realize I have the 'wrong ' kind of loans to even apply for it. I've been paying on this loan set for 8 years and was on track to have the balance forgiven in XX/XX/XXXX but now, thanks to Navient 's dishonest and predatory activities, I'll be unable to apply for forgiveness and I'm bound into a repayment plan that is not financially what is best for me.
Company Response:
State: VA
Zip: 23322
Submitted Via: Web
Date Sent: 2019-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-19
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: From XX/XX/XXXX until XX/XX/XXXX I attended XXXX XXXX XXXX XXXX location. The school did not properly provide the advertised accreditation. They are now closed for business. They over priced the education that we received and can not use the degree we earned.. as falsely advertised. I owe Sallie Mae/Navient {$82000.00} with payments of {$720.00} that I can not afford. I need help and dont know what to do or how to go about it. This school was in a lawsuit and so was the lender. Can someone please help me.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2019-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-19
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: The dept of education garnished my income tax refund for several years ending in XXXX when I received a partial refund with an explanation that it was the balance after the debt had been paid. Now in XXXX I am just now recieving notice that there is still a balance and it is greater then the original debt despite over six grand in payments, I only attended two years. The initial reported debt was XXXX I paid XXXX and now I owe XXXX, how is this possible.
Company Response:
State: OK
Zip: 743XX
Submitted Via: Web
Date Sent: 2019-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-19
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: I have federal student loans through Navient. I noticed my entire payments were going to interest and my balance was not getting smaller. I went to the website to see a monthly statement. there is no monthly statements available. there is no explanation for how the monthly payment is being used toward my loan or how much interest is accruing monthly. I called ancient to request a monthly statement. I want to know how much I need to be paying each month so I am covering the interest and paying down the principle. I could not get any answers. they could not even tell me what my balance was at the beginning of the month. there is a large amount of accrued interest. I am trying to find out how to get this back under control so I am not getting further behind. I could not get satisfactory help. this does not seem legal to not be able to get a monthly payment or find out how your payment was allocated.
Company Response:
State: AR
Zip: 72113
Submitted Via: Web
Date Sent: 2019-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-19
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Navient violated my consumer right by contacting a non relative and giving information to them where I work and if I was related to this third party. Under The Fair Debt Collection Practices Act ( FDCPA ) expressly regulates calls to third parties in 15 U.S.C. 1692b ( 3 ), stating that a debt collector shall not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. the debt collector which is navient has my contact information and should not be contacting anyone or giving my personal information out to non relative I have screen shot of them giving my information out with a reference # to this third party I am getting a attorney to lookat this case.
Company Response:
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A