Date Received: 2019-01-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been a customer of Navient for the life of my student loans. Over the years I have had many small challenges with the company, but more recently ( as my debts have been paid off more aggressively ), have encountered serious oversights from the loan service. Most of the time, I just let it pass, but this time is different. Like everyone repaying their loans, I have a monthly amount that I have been paying over the course of my loans. This amount is deducted on the XX/XX/XXXX of every month. Around 3 months ago, I got a message from Navient informing me that " If you make an Overpayment on some or all of your loans, you may advance your next payment due date, which can cause a future Auto Pay payment to be processed as an Overpayment. '' This is a great option for some people, but not an option I wanted on my loans. I went into my account and found that they had automatically selected that if I make an overpayment ( which I have been doing every month ), they would push my next autopayment to the next month. Seeing this, I selected a new allocation method wherein my autopayment would NOT be pushed to the next month if I made a payment and I would be billed for my full autopayment every month, despite the extra amounts I paid on my account. Today, the day in which my monthly autopayment is supposed to be processed ( XX/XX/XXXX ), I see that they have pushed my autopayment to next month ( XX/XX/XXXX ), against my direction and wishes. I have attached 2 screenshots in which you can see my autopayment history on the 1XX/XX/XXXX, but the next autopayment is indicated as coming up on XX/XX/XXXX ... completely skipping over my XXXX autopayment. I see this as a way to keep me hooked onto my loans longer, paying more interest, and pushing me to pay longer. If I weren't actively involved at looking at my loans on a bi-weekly basis, I wouldn't have caught this move from Navient.
Company Response:
State: CA
Zip: 92124
Submitted Via: Web
Date Sent: 2019-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am so frustrated with all three credit bureau, I been writing since 7 month ago been asking for them to dispute all this unknown item on my credit report nothing I been ask for prove from all three credit bureau no prove was sent I wrote all the collection company nothing was done I am in need of help
Company Response:
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2019-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Sallie Mae, now Navient, did not inform me in Fall of 2007 that I could have transferred my loan to XXXX XXXX. I started working as a public service librarian at a XXXX XXXX XXXX in XX/XX/2007. The PSLF program began in Fall 2007 with XXXX XXXX. Sallie Mae should have informed me that I could have transferred my student loans to XXXX XXXX at that time. This mean that I have been neglected the opportunity to be forgiven from the bulk of my student loan debt ( considering that I am still work as a pubic service librarian at the same place since XX/XX/2007 ). When I contacted XXXX XXXX about this matter, they said it was out of their hands and their was nothing they could do about it. Should I contact the Ombudsman ( if so, what is the contact information ) or should I start/join a class action lawsuit against Navient ( formerly Sallie Mae )? Please advise.
Company Response:
State: TX
Zip: 75904
Submitted Via: Web
Date Sent: 2019-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-14
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Hi ; I just call because I have a lower payment years ago. Then i have difficult payments with the expiration number card that i put to pay monthly. Now i call to consolidated my loans and have a goo payment to pay again my loan. Then require my personal information and i said that i have a lot of things that i have to pay monthly. The company send me a communication and send me 2 payments methods to high for me to pay. I also say that i can pay $ 120 monthly for my loan. When they tell me that i have to pay {$290.00} monthly. Honestly i need your help because i dont have that money to pay my loan. Please let me know how you can help me. my email. XXXX Thanks!!
Company Response:
State: PR
Zip: 00959
Submitted Via: Web
Date Sent: 2019-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-14
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I am a single mother and work full time for the XXXX XXXX XXXX. I work 60 plus hours per week. I have four private student loans which are now owned by Navient. I have been paying on my loans since I graduated with my XXXX in 2009. My federal loans qualify for the income based repayment option. These four private loans are placing myself and my family in a hardship and Navient is not willing to work with me. I am currently paying {$310.00} per month. I had to let the loans default for months due to Navient not willing to work with me. Six months ago, I was paying {$250.00} and after the six months, they raised the rate and it will increase again in XX/XX/XXXX. I call every six months and are insulted by their workers. I am in tears at the end of every call and am told " This is not our problem. Get a second job. '' I am told that I need to work more to pay the loans when I am calling to try and get a lower payment. They do not apply my automatic payment correctly each month. I have to call each month because I am getting threatenting calls and once I call, the automatic payment is applied correctly. My Navient account shows loans as past due when they are paid. In XX/XX/XXXX, they withdrew over {$700.00} out of my account without my authorization. I called and they refunded the money to then turn around and take out over {$400.00}. They give no clear statement as to why a certain amount of money is taken out. I call and one person gives me an amount to pay, I sign up for the program and then I am told by another that the loans dont qualify for that program and owe more money. After my mortgage and all bills are paid, I have {$100.00} to my name. I work hard and have no time in a day for a second job. I am sometimes in the negative each month due to Navient. I did not know what I was signing up for when I took out Private Loans. The payback process was not explained to me when I was trying to put myself through school. They have taken money out of my account without authorization and when I call, they tell me that I have to make that payment or I would be taken to court and my paycheck would be garnished. Navient harrassess and bullies people. I am considering bankruptcy in an attempt to file for undue hardship becasue of these loans. I try and work with this company and try and pay what I can. They are not willing to work with anyone and steal money. I will never see the end of these loans. The amounts that are now owed do not make sense and I am always having to pay a different amount and when asked why, I am told thats the amount and either I pay it or be taken to court. My family members are witness to the harrassment and bullying. I am willing to do anything to seek help. Navients practices are not ethical and they should not be in business.
Company Response:
State: FL
Zip: 33418
Submitted Via: Web
Date Sent: 2019-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I've been battling with this and been trying since XX/XX/XXXX to XX/XX/XXXX to have this loan removed by Navient. I've called to complain about a loan they said I owe. I called an asked for proof I signed for it an was told they can't provide me with a note instead they mailed me a receipt with the amount I owe which is {$15000.00}. It was less back then an it just kept going up. I didn't want on my credit as negative so put it in deferral to prevent my credit from going bad or having my income tax return taken.I disputed with all three credit bureaus an was told this was accurate an they submitted information but I have yet to see anything. I'm asking for proof that's all period. If they can't this company needs to remove it, including all three credit bureaus
Company Response:
State: UT
Zip: 84405
Submitted Via: Web
Date Sent: 2019-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-14
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: After speaking with everyone at Student Assistance Offices including the Federal Ombudsman at the Department of Education, I am advised to contact this office. I do need your help. Despite being eligible for public service loan forgiveness and having paid my student loans faithfully for over 10 years ( since XX/XX/XXXX ), I am told I am disqualified because of the kind of federal loan I hadand had never been advised otherwise by Navient or by XXXX College. I recently changed over to a federal Direct Service loan but at this rate would be paying it until I am XXXX!! As you know in XXXX XXXX, salaries are not equal to what lawyer or XXXX grads make, even from XXXX XXXX XXXX. And XXXX XXXX employees do not benefit as some other professions do from wealthy employees contributing to or paying student loans in total for employees. In XX/XX/XXXX after working since XX/XX/XXXX in XXXX XXXX, I joined the XXXX of the first XXXX XXXX of XXXX XXXX in Massachusetts, at XXXX XXXX XXXX, in order to XXXX what I had learned in many years of practice. In order to stay on the XXXX, I was required to earn my XXXX and did so from XXXX College XXXX School XXXX XXXX XXXX, completing in XX/XX/XXXX. In so doing, I incurred Educational Loans which I was told would be partly forgiven due to my commitment to XXXX in a XXXX XXXX that serves low income students. After paying faithfully toward loan repayment, the legislation finally got passed 2 years ago for those XXXX in XXXX XXXX XXXX to qualify for loan forgiveness if they had XXXX in XXXX XXXX and paid loans for 10 years. However, what we were NOT told at the time we incurred loans and what was apparently not known until the legislation was passed was that only those who had a certain kind of loan- Direct Consolidation Loan- would be forgiven. I applied for loan forgiveness- having already paid the required 10 years to qualify for it- and was told I had the wrong kind of loan and would have to switch over and pay another 10 years. By now- at XXXX years old- I am about to retire. I have followed their advice and switched my loan to a Direct Consolidation Loan and see attachedand have been told I would have to pay 10 more years on this loan to be considered for loan forgiveness. This means with additional interest that they have attached, I would be paying $ XXXXmonthly up until XX/XX/XXXX! That would be my XXXX birthday.
Company Response:
State: MA
Zip: 02138
Submitted Via: Web
Date Sent: 2019-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have absolutely NEVER been late with Navient ; however, I had just in the past few weeks noticed my loans appearing late for the year 2012 on my credit reports! I called and STILL call Navient all the time, well before time for any deadlines and was NEVER NOTIFIED of any late status ( even though it would've been inaccurate ANYWAY ). I would ALWAYS call Navient well before deadlines to submit paperwork for deferments and forebearances after I graduated. I even called Sallie Mae all the time BEFORE they became Navient -- and even heard about them becoming Navient before many others did BECAUSE of it. THAT'S JUST HOW MUCH I CALL. Yet, when I called them in recent weeks, the robotic reps ( look up the calls ) kept repeating to me that I was late in 2012 and claiming that they were constantly calling me to no avail in 2012. LIES! Furthermore, please tell me why at any point when I was getting deferments and forebearances was I never granted a POSITIVE RETROGRADE? That's USUALLY what normal companies do when people are calling them repeatedly in the event that there's actually negative info reporting! I was NEVER told of negative info, was ALWAYS told " everything is fine '', " you're good '' EACH TIME I CALLED. None of the reps listened to me when I called recently. I have made it my business to stay on TOP of my business with them, yet they STILL did me wrong and has this FALSE, INVALID info reporting in my credit files, affecting my ability to move forward financially. According to consumer law, Navient is supposed to provide verifiable proof to me that I was late by providing bank statements showing late payments. XXXX even went as far to delete many of the negative accounts because Navient didn't even verify them! All of the accounts still reporting invalid, incorrect negative info for 2012 need to be UPDATED TO POSITIVE with the credit bureaus. Please expedite this dispute!
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2019-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-14
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have been trying to apply for repayment options since XX/XX/2018. The total loan amount is approximately 17,000.00 I have submitted the requested paperwork multiple times, changing my monthly income stated as directed by the representative, and was told that the process was completed. I was then re-contacted and told that I did not qualify and that the process was not complete. I requested and spoke with a supervisor who provided me another option of consolidation. I called back to speak with a representative to ask a few questions as I was about to submit the new paperwork for consolodation. This new representative then told me that I was eligible for the repayment application and should not consolidate. Each representative has provided different, conflicting information. I still have not been able to complete the process and obtain a repayment plan that is manageable for my family.
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2019-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-13
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: There were 3 private student loans opened during the time of XX/XX/XXXX-XX/XX/XXXX. These Navient account has been delinquent since XX/XX/XXXX. They were originally Sallie Mae, when Navient took over in XX/XX/XXXX/XX/XX/XXXX they stated that i made a year of good payments and then charged them off. I have since disputed the good payments and had then removed however this will still be appearing on my credit bureaus till XX/XX/XXXX. these should have fallen off in XX/XX/XXXX. Per the fair credit reporting act these should have fallen off seven years after the date of first delinquency and not the date of last payment. Navient is trying to re age my accounts in order to keep them on my credit report longer, which is illegal. I fully give the CFPB permission to speak with Navient on my behalf about these student loans.
Company Response:
State: TN
Zip: 376XX
Submitted Via: Web
Date Sent: 2019-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A