Date Received: 2019-01-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: To whom it may concern, I am XXXX XXXX and typing this on behalf of the deception and immorality of Navient. I was the first to go to college and they mislead me into taking a loan out that could not be consolidated in the federal loan forgiveness program intentionally. I have over one hundred thousand dollars in debt and it is unfair and disgraceful that I was misguided and still being penalized for their manipulation. This company has already been sued in multiple other states and I would like my loans also forgiven or at least consolidated with the rest of my loans. It is absurd that going to college has turned into a debt collecting punishment. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-16
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I took out this loan for my daughter, XXXX XXXX, who was the student. I am her father. She promised to repay me, and she has not. So I stuck with this loan.
Company Response:
State: WI
Zip: 53090
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-16
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: In regards to XXXX XXXX XXXX XXXX/XXXX. XXXX This complaint is to seek reimbursement for private student loans paid in the amount of {$11000.00}. This amount was paid in a settlement with Navient in XX/XX/XXXX and does not reflect any prior payments made to the original lender Sallie Mae. I attended this institution between the years of XX/XX/XXXX and XX/XX/XXXX. This college lost its accreditation while I was enrolled and has since gone out of business due to lawsuits for predatory practices. As a consumer of higher education, I feel I kept my end of the agreement of finally paying for this financial burden, and have nothing to show for it, outside of a piece of paper that has nothing to back it. Below I have recounted my experiences with XXXX XXXX XXXX recruitment and educational program, as well as the aftermath of attending the program they provided. Employment Prospects XXXX XXXX was my recruiter when I first looked into XXXX XXXX XXXX. I was still in high school when I spoke with him, and he made the culinary industry sound like easy money. I can vividly remember XXXX telling me how easy it would be to get a high paying position as a chef. He assured me that it would be remarkably easy to find a position as a personal chef for an actor, or an executive chef in XXXX XXXX making six figures a year straight out of college. XXXX also made a point that even if I was not making six figures, I would still be making a fairly comfortable living. Program Costs I was never fully educated about student loans or how to repay them. When my mother and I went for a walk through of the facilities, we met with a loan specialist that just told us how much the loan would be, which was over {$50000.00}. As this was just a short time after hearing from the recruiter and under the impression that this was pennies compared to what I would make, I was ready to sign and my parents were ready to co-sign. I took out half of the total loan and they took out the other half. Not only has these predatory tactics affected my financial needs, they have crippled my parents as well. Transferring Credits I was under the impression that my general education credits would transfer to other institutions in case I would want to further my education. I found out pretty quick after attending that they would not. I talked to a few other students that thought about transferring and were denied. XXXX XXXX XXXX lost its accreditation towards the end of my enrollment. Career Services The career service department of the facility had consistent discussions with classes and students constantly hammering it in our heads that we will have amazing externships and jobs afterwards. They also told us how restaurants love XXXX XXXX XXXX students. In reality, we were the butt of the joke in the industry. It was extremely hard for me to convince potential employers that I could work hard and learn when they saw I went to XXXX XXXX XXXX. I contacted career services after my externship looking for help with employment and they told me the job market was rough and offered no additional help. Education Services During recruitment, I was informed that this particular school had the best chef instructors in North America. There were some great instructors but for the most part, looking back anyways, were sub-par at best. The terrible part was the good ones were so burnt out on trying to teach people that did not really care or have any idea about the restaurant industry, they just did not care anymore. Admissions and Urgency to Enroll From the beginning of the process, I was constantly reminded of how prestigious the institution was. They made students write letters almost begging to be accepted. Once I was deemed acceptable, I got phone calls and letters congratulating me. I was told I was one of but a few that were eligible to attend and that I should enroll immediately. I felt special, like I had what was needed to be the best Chef in the world. Now looking at it, the speed of the whole enrollment process is comical. Other XXXX XXXX XXXX misled its students using harsh and predatory tactics. I have read in the past of class action lawsuits against XXXX XXXX XXXX in regards to their predatory practices. The shear magnitude of financial debt compared to my measly income, thrusted me into years of XXXX, XXXX XXXX and borderline XXXX. The plain fact is, I got a junk education that has costed me tens of thousands of dollars, ruined my credit, caused immeasurable hardship and pasted on to me a hatred for colleges in general. It has left me with an XXXX XXXX from a college that no longer exists.
Company Response:
State: MN
Zip: 55379
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-16
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I lost my job and was unable to make payments on my loan. I requested forbearance and deferment many times. The lender would say it was approved but would start messaging about repayment right after the forbearance was approved, seeming like it was never done. Now they are pursuing litigation because of non repayment and have added multiple fees and penalties to my account. This company is not my original lender. They are also under current litigation for these practices but are still apparently able to garnish my income tax refund. I was also never notified of any court case or judgement allowing them to do this.
Company Response:
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have called on the below loans for the past 5 years and was told every time all my loans through Navient are consolidated and I could do nothing about lowering the interest rates. In addition, I have 2 direct loans ( one subsidized and one non ) I was told are able to be consolidated. My only option given was to keep the interest as is and get on a graduated payment plan thus paying way move over the past 5 years than I should have due to incorrect information. Navient reps have always been unequipped to efficiently handle my financial need and this has prove to cost my thousands of dollars in interest. Just look at how long I have been paying on the below loans. XXXX XXXX XXXX XXXX XXXX UNIVERSITY Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$4800.00} 8.125 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UNIVERSITY Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$7000.00} 9.125 % XX/XX/XXXX
Company Response:
State: MO
Zip: 63141
Submitted Via: Web
Date Sent: 2019-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-15
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: XX/XX/2019 I contacted Navient regarding and advertisement on social media that reads .... Ripped off Borrowers by Sallie Mae & Navient are now APPROVED to remove ALL STUDENT LOANS with NEW 2019 FORGIVENESS PROGRAM- This happens ONCE every 100yrs- APPLY now before its too LATE. NAVIENT targets in Class- Action Lawsuit Accused of misleadIng customers about Loan FORGIVENESS.. Upon contacting Navient I asked them about the statement above and I called them seven times and they disconnected the phone call. I was calling to get my Loans removed and was unsuccessful at anyone giving me any information regarding how they could or couldn't assist me. I would like for all of my Student Loans to be dismissed including all occurred interest. My Loans are currently in deferment and want them removed asap. I Will also report this to the XXXX for feature reviews.
Company Response:
State: VA
Zip: 23701
Submitted Via: Web
Date Sent: 2019-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am actively serving in the United States XXXX XXXX and am looking to use my VA benefits this year to purchase my first home with my husband. Upon review of my credit report, I noticed a 60 to 90-day late payment on my student loan ending in XXXX in XX/XX/2018. However, per review of my Navient account : I made a forbearance payment XX/XX/2018. If forbearance covers me for 30 days, why is it that I was reported 60 to 90 days late on my credit report in XX/XX/2018? Please see attached. I monitor my account closely so based on this information, my account was current.
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2019-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-15
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Sallie Mae-Navient lied to get get me to switch my perfectly good account with XXXX promising a very very low payment. They offered me loan forgiveness and charge me {$500.00} to switch my account over locking me into very low payments. I am being way over charged in interest and they are requiring me to pay an incredibly high payment which is not at all what I signed for! My balance on my account does not reflect all of the years of on time payments I have made the amount keeps getting higher! My interest alone in 2018 was {$2600.00} PLEASE PLEASE HELP!
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2019-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-16
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This was back a while but we never knew about this chance to be heard. Navient/Sallie Mae would not allow me to apply payments above the monthly amount due to higher interest loans and instead applied anything over and above the amount due to the loan with the lowest interest rate. They would not let me decide where my payment was going. On several occasions we had spoken to numerous reps to get information and we would just get the runaround and be passed to the next as if they didn't know what we were talking about. Their whole system was wishy washy and confusing and we know we were not the only ones who were confused from this company. We were extremely angry and it stressed us out. Our money owed would change unexpectedly.This finally stopped but had been going on for 5 years prior to this. On another note, Now we have finally paid off two private loans. So, after doing so, now our Interest Rate went up. Not sure why this is either.
Company Response:
State: WI
Zip: 53151
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-15
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I have a XXXX XXXX XXXX in the process of being treated. I'm an XXXX XXXX technically XXXX XXXX, have been having a XXXX XXXX preventing me from working. I get no paid time off. Spoke to a Navient customer representative on XX/XX/19 to explain my circumstances and inability to repay, as well as offering to submit proper medical documents needed. He was demanding repayment and stated there is nothing that can be worked out. As a result my credit is ruined and interest accrued {$7000.00}. I need assistance with this issue as nothing is being resolved with communication with Navient the lender.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2019-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A