Date Received: 2023-03-21
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: My student loan is in forbearance and has been the subject of a lawsuit " Navient Career Training Loans Discharged in Bankruptcy '' case. They call relentlessly day and night. Now they are harassing family members and friends with phone calls. How are they obtaining this information on these contacts?? My loan was back in 2005. There is a current lawsuit " XXXX XXXX, on behalf of herself and all others similarly situated vs. Navient Solutions , LLC and Navient Credit Finance Corporation ( Case no. XXXX ) that Navient agreed to stop collection on private education loans. This is ridiculous!
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I enrolled in XXXX XXXX XXXX XXXX, CA ( not on your list ). They misled and inflated their promises of 100 % job placement. They also manipulate their attendance records for their own gain. I was sent to an intern site during my second month and then called after 3 weeks that I would be dropped for non attendance. I was then told that I need to get back to class. When I went back, I missed 3 weeks and was sent to a room across the hall and told to read through the material and do the assignments. Essentially, I was told to teach myself. I did not understand it and did the best I could and amazingly I finished XXXX XXXX XXXX XXXX with honors. I did not know how to bill and only knew some coding from a previous XXXX XXXX class. I never received any job assistance and was also never certified as I was told. I received nothing but wasted time and debt. I was in forbearance and hardships for years before being told about income based repayment. Navient led me into years of high interest debt being in forbearance and hardship, also for their gain. Before the AG Settlement payments, I was told I did not have to do anything to receive a {$450.00} settlement check and possible forgiveness. I have not received any settlement or talk of forgiveness. I have called AG Settlement several times, and was told on 3 occasions that my case was being expedited and I would receive a check 4-6 weeks. Never received a check or correspondence. I have been told to call the Attorney General, they referred me back to AG Settlement, who referred me to call Navient, who referred me back to AG Settlement. I went on the Attorney General website and emailed a complaint XXXX and also mailed ( USPS ) them a complainXXXX XXXX XXXX have never heard from anyone. I called back to AG Settlement and was told that there is no check and they are very sorry for the misinformation. I was then told I could contactXX/XX/XXXX Consumer Financial Protection Bureau and Federal Student Aid Ombudsman. Consumer resources is the same site that I sent a complaint by email and USPS to the Attorney General. Next I will see where the Federal Student Aid Ombusman takes me. I attended this school XXXX. I do not remember exactly. The school is closed now but when I attempted to get my transcript, I was told there are no records. So why am expected to pay this loan? And why am I not entitled to a settlement that I fall in the category of. It sure feels like discrimination.
Company Response:
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have tried to verify the validity of this loan. The rest of my loans were sent to advaintage because they are Federal loans. I was only paying on this loan because I believed it was a part of those loans until they were transferred. I was also going off of what Naviant customer service was telling me, until I had a friend tell me I need to make sure this loan was mine since I do not recall taking out a private loan. I had a GI bill so taking out a loan makes absolutely no sense. I can verify with my school I paid via GI bill. I have asked for verification that any funds were deposited to my account, a school account, or if there is a returned check. I was sent a promissory note from Naviant that explicity states " this is not a promise of funds to be dispersed. '' I am simply asking for proof of dispersement. The school they stated I took the funds out for is XXXX XXXX. However, I used my GI bill to pay for XXXX XXXX and they have no knowledge of any kind of loan from Naviant/ Sallie Mae . I am simply asking for proof any funds were dispersed either directly to me via an account transfer or check, or to the school. They have refused to provide this and I do not believe I owe this money. They have ruined my credit, and I have told them I need proof. I will not pay on a loan that was never dispersed. If loans were deposited to my account it should not be difficult to prove, yet they refuse.
Company Response:
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I've been paying Sallie Mae/Navient for private student loans since XXXX. I am the co-signor to my sons loans and have authorization on the accounts w/Navient. We have constantly struggled to make the payments with some having as much as 17 % interest rate, constantly having to go into a rate reduction program that only added the debt to the back of the loan, with penalties and interest. We ask for consolidation or permanent rate reduction, IDR and we were told we did not qualify for any assistance. Navient has never tried to help us be successful in managing our loans. Each year of paying {$12000.00}. or more in payments my total balance continued to increase year after year. The burden to make the payments has become impossible for us and I notified Navient out of desperation I was going to request a hardship and withdraw my 401K retirement in order to pay off my son 's student loans. At that time XXXX of XX/XX/XXXX I owed approx. XXXX. I have requested and received my retirement funds, ( XX/XX/XXXX ) I immediately contacted Navient and my balance now 2-months later is approx. {$100000.00}, due to past due and late fees over {$300000.00}. I explained I had gotten all the money I had and ask them to accept the {$100000.00}. They said they could approve a settlement amount of {$100000.00}, which I was very thankful for until they told me my son and I would have to complete a credit disclosure and that it would be reported on both our credit reports that we settled for less than the amount due and that it could affect our credit for the next 7-years. I told them I felt a settlement was an agreed amount amongst all parties and should show paid in full and nothing else. I've paid them so much more over the years and now when I'm trying to pay them with all the money I have for retirement these people still want to punish and hurt our credit. Defaults are at an all time high, banks are going broke everyday our country is in the worst shape it has been in 50 years and this is a good example of why it is. I'm offering to pay more than what they offered to settle, and they still want to hurt our credit. I would have been just as well to have filed bankruptcy if this is the case. I know they have authority to settle without doing damage. This is just another example of how Navient treats their customers and how difficult they want to make it for you to get out of debt. This is just wrong and people with private student loans don't have anyone in their corner to help. If I can tell consumers anything about student loans I would tell them to never take out private loans and never borrow from Navient.
Company Response:
State: AL
Zip: 35126
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Date : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX Name of Creditor /collection agency : Navient XXXX XXXX XXXX XXXX XXXX PA, XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe you or my account was charged off. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation, being that the debt is listed against me. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error of incorrect balance, missing information, incorrect credit limit, high balance is lower than owed balance, status or any other field blank, status incorrect, incorrect high balance, late pays after an account was closed, account number inaccurate contains Xs or asterisks instead of full number, account type inaccurate, invalid furnisher, date of last activity incorrect account over 7-year period, date of last update incorrect, date reported inaccurate, collection account listed with a limit, but a collection can not have a limit, charged off listed as open or collection, a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney XXXXenerals office, should you continue in your non compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : XXXX. Defamation XXXX. Negligent Enablement of Identity Fraud XXXX. Violation of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My student loans have changed hands several times over the years ( not by my doing ), and therefore so has payment history. This private loan is unknown to me, and no mail correspondence was sent regarding these bills. All private loans were paid in full. I would like it removed as they can not provide loan specific signature pages. I have also been the victim of identity theft and had several accounts opened in my name, so I am concerned this may be the case here as well.
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Additional info on XXXX ... .not dupe. I had to declare XXXX XXXX in XXXX due to my medical condition. Although I tried to get my stepson, a veteran of the XXXX XXXX, off of the 2 Private Loans I incurred to due having to help with payment while he was in XXXX, Navient, prior name, Sallie Mae , time and time again REFUSED to remove him although I was assured at the time I incurred the loan that having paid the loans there would be no issue removing him. In XXXX, XXXX, I had had multiple procedures, due to a Serious Health condition, and unfortunately, fell behind on my payments due to the financial mess the non-covered medical expenses left me in. In XX/XX/XXXX, my items were discharged except for my mortgage and car that I entered into reaffirmation agreements. However, although advised of the XXXX XXXX, Navient stated that the PRIVATE STUDENT LOANS had to be paid although my XXXX XXXX was discharged. They messed up my ability to get a lower rate on my re-finance and I was forced to pay them off over {$20000.00} to ensure my step son was removed and that this was the only way I could re-finance my loans. They kept bad items on my credit file and it took several complaints with the CFPB and Credit Bureaus, and XXXX to correct my credit file. However, they illegally collected on the debt and illegally lied and kept my stepson on the loan. I had damages to my home during IRMA and the funds I would have used to repair my home, I had to direct to NAVIENT. A company that misleads, and lies to their consumer and ruins their credit reports. According to documentation I have read from the Bankruptcy Court and other attorney 's the 2 loans ending in XXXX and XXXX should have been discharged back in XXXX, instead of threatening me to pay them. They ruined my retirement funds and creditworthiness and lied on both the co-signer whose rights as a veteran should have been protected, yet NAVIENT gave every excuse and ran my credit multiple times instead of taking into account my payment history for the years that the co-signer was on there. They harassed me and said that I would negatively affect the co-signer when years and years I had asked to have XXXX XXXX XXXX XXXX removed. This is an unethical company that feeds off of the sick, and less fortunate in order to profit. They do not follow the law. They lie to their customers and continously mislead their borrowers and mess up their credit files with erroneous reporting. I have filed a myriad of complaints. I worked really hard to recover both my health, physical, mental and financial and Navient made it almost impossible for me to recover financially as they made me pay monies I could have used to repair my home after IRMA, instead I had to take money out of my retirement to pay the deductible. The funds they made me pay in XXXX should be reimbursed in full and they should not touch my or my co-signers credit report ANYMORE.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: XXXX, XXXX XXXX XXXX with Navient has contacted my employer and has attempted to harass me and my employer. He wants my employer to call him and to send him personal information on me. In an attempt to get them to put pressure on me or possibly fire me. This tactic is unprofessional and unethical. Please stop Navient from using these bullying techniques on Alabama employers and employees. Thank you, XXXX
Company Response:
State: AL
Zip: 36695
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I received this email from XXXX on XX/XX/2023 to my student email saying that the payment terms for my student loan had changed and that I had a payment due on XX/XX/2023 ( 3 days from now ). These terms did match what I have read in my loan agreement. I do not graduate until XX/XX/XXXX, therefore my payments should not be starting yet. I have already reported this as a phishing scam but I wanted to check the validity of this email. I have pasted the email below : Navient Loan Services XXXX XXXX XXXX Navient Logo. Go directly to this document in your Navient Inbox. XXXX, the payment term for your loans has changed. Next payment amount : {$330.00} Next payment due date : XX/XX/2023 Pay Now This payment schedule replaces all previous schedules for your loans and doesn't include any past due amounts. All of the terms of your original Promissory Note ( s ) remain in effect. If you use a billing statement You'll soon receive an updated statement reflecting your new payment amount. We're here to help We're happy to help you navigate your options, provide you with resources, and answer any questions you have as you repay your loans. If you have any questions about this change or your account, visit us online or give us a call.
Company Response:
State: AR
Zip: 72143
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am writing this letter to request an investigation into Navients continued attempts to collect on the private student loan mentioned above, after it was cancelled as part of Attorney General XXXX XXXX XXXX with Navient ( see attached XX/XX/XXXX media release ). I am seeking a resolution where Navient immediately ceases these unlawful collection tactics and returns all illegally collected student loan payments to me. My records show that I have made {$3400.00} in student loan payments on this loan from XX/XX/XXXX through XX/XX/XXXX. During a telephone call today with XXXX XXXX at Navient, I was informed that Navient removed any applicable bankruptcy reference from this loan on XX/XX/XXXX. She said that it appeared a cosigner ( my elderly XXXX old mother ) had been added to the loan at some point, but that it was not clear when that happened or why she was now responsible for the loan. She could not tell whether the loan was in default or whether it was cancelled. It should be noted that we have no record of my mother ever being added as a co-signer to this loan, and Navient has failed to produce her signatures on any documents despite being asked to in letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was put on hold for several minutes, and then told to wait while being transferred to someone else who could help. After waiting on hold for over 20 minutes, Navient disconnected the call. My understanding is that this private loan qualified for relief under the XXXX XXXX XXXX, and that there was nothing I needed to do to receive restitution or cancellation. I never received a notice from Navient about restitution or cancellation, and since the date of the settlement they have only sent us collection letters demanding repayment.
Company Response:
State: OR
Zip: 97219
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A