Date Received: 2019-01-11
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I had a semester at my university that I wound up withdrawing from when my father spent several weeks nearly XXXX in the hospital, during the same time my grandmother died, and I, myself, experienced symptoms of what I later found out was XXXX ( at XXXX! ), all while having a lot of conflicts with faculty members. I couldn't get a refund and for the next 2 semesters, I was JUST short of paying, using the subsidized loan, and took out very small loans from Navient. This was fall of XX/XX/XXXX. I'm an autistic man who is having difficulty finding work, even with an XXXX degree. It's XX/XX/XXXX. Somehow, my total student debt, which was about XXXX at graduation, is now nearly 30,000. I deferred as long as I could and went on income-driven replacement with XXXX income when that stopped being an option. What almost always happens is that Navient doesn't notify me when I need to fill out a new application for income driven replacement, I miss a payment deadline, get some kind of fee, and have my debt buildNot to mention that 6.2 % is a CRIMINALLY high rate to charge a person for education, when civilized countries in the world have education free. I have strong suspicion that Navient gets extra fees from customers by design. My credit is going to be too low for me to get an apartment if I try to move anywhere for employment. This is just not right.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-11
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Private loans with Navient ( " Signature Loans '' ) were discharged in bankruptcy. Navient reported accounts 'closed ' on my credit report with XXXX balance due. Discharge dated XX/XX/XXXX / XXXX district Illinois. They later claim that the loan are now in repayment. I feel compelled to not make payments for loans that show as closed and XXXX balance on my credit report. These need to be confirmed as discharged with Navient 's system.
Company Response:
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-11
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I contacted the servicer of my loan requesting to speak to a supervisor. I was promised a return call and I never got a call back. This is not the first time this has happened. Whenever I ask to speak to a supervisor regarding any type of inquiry I'm told they are in a meeting and I will get a call back but this never happens.
Company Response:
State: TX
Zip: 75212
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: All the amount of loans were not correct, when I was a student I was working two jobs, am sure did not take these amount of loans. They had been reported wrong and overcharging. I saw all in the news from 2005 there was a lawsuit against the loan server. Still, there were so many lawsuits all over the USA, against them, for misleading.
Company Response:
State: IA
Zip: 52246
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This is now my third official complaint against Navient about bad business practices, allocation mistakes, and ignoring allocation directions. Whomever Navient is paid up with for protection or has bribed at CFPB, they are getting their moneys worth. Outright, this company, Navient is shady. Every student loan statement comes with printed directions for allocating payments differently to include written instructions. " You have the option to instruct us to allocate payments differently or to not advance your due date. ... Clearly write your instructions on a separate piece of paper included with your check. '' I did so by dating a letter and mailing a large payment ( {$6800.00} ) on approximately XX/XX/XXXX. This amount was intended to pay off close to 99 % of the entire student loan debt so I could be rid of this terrible loan service company after getting extremely tired of all the printed statement confusion throughout XX/XX/XXXX and other on-going issues. The payment cleared on XX/XX/XXXX. The allocation instructions were not followed, again. On XX/XX/XXXX at approximately XXXX, Navient customer service agent XXXX confirmed that they had indeed received the allocation instructions letter with the XXXX payment, and that is all I needed to know given previous experiences with this company. The most important takeaway I have from my experiences with Navient is that they blatantly choose to ignore written instructions pertaining to allocation. Any apologies or responses in regards to complaints are simply fluff. They do not follow written instructions, this fact can not be emphasized enough ; Navient should be penalized in some way.
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My federal student loans are with Navient. I qualify for the XXXX Loan Forgiveness program and, to date, have submitted 3 different applications for that - all three being denied. For the second application attempt, two items were reported that I had to fix in order to reapply. I took care of those two items and resubmitted. That third submission was denied and this time they listed 3 different items that caused the denial. I submitted the same form as I did for the second submission ; the only difference is that the third one was corrected for the two items Navient said were missing in my second submission. Also, now they've put me on forbearance - they say to help me prepare yet another application for the forgiveness program. I do not want the forbearance because I've heard about the lawsuits against Navient. Thinking back, they have done the same after my earlier applications, so I believe I'm subject to the same illegal practices as loan holders in the 5 states suing Navient. However, I live in Michigan, a state that is not involved in the lawsuit. It is also the home of XXXX XXXX! In the meantime, I am looking into transferring those loans to my bank, as it was not my decision to have my loans transferred from the original loanholder, XXXX, to Navient.
Company Response:
State: MI
Zip: 493XX
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-11
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: This morning when I arrived to work there was a phone call from Navient. They did not leave a message. Later in the morning, Human Resources provided me with a fax regarding a request for employment information. It was assumed that I was looking for work. This could put my current job in jeopardy. I have not contacted Navient to discuss this issue.
Company Response:
State: FL
Zip: 34232
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-11
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Initially my loan was processed by Sallie Mae, but was sold to Navient. Without my knowledge, Navient consolidated the loans, removing them from Direct Loan status. I am a XXXX XXXX XXXX XXXX XXXX XXXX. When I first started working, my monthly net income was {$1700.00} and Navient was billing me for {$600.00} payments. When I contacted them, they encouraged me to apply for forbearance rather than IBR. Interest was capitalized, raising my loan balance from {$30000.00} to {$52000.00}. I learned about IBR, applied and have been making regular payments for almost 6 years. I applied for public loan forgiveness and received a letter in response saying that my qualifications had not been reviewed and my application was denied because my loans were not in Direct Loan status. I was also told that IBR pay back is 25 years. Additionally, the loan is in negative amortization. I received a XXXX for 2018 indicating student loan interest received was {$5900.00}. This is the exact amount to the penny that I paid during 2018. The loan balance remains at {$52000.00}.
Company Response:
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-11
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I was on a rehabilitation plan to bring my loans current. When that period was up, my payments went up well over {$400.00} with Navient. When I called to lower them, the only option they gave me was to extend the loans, which only lowered the payment by around {$150.00}. I had no choice but to take the option, as I could not afford the payments, even though this wasn't even much lower. I asked about Income Based Repayment plans, and was quickly dismissed, with the rep saying it would be an exuberant amount and that it wasn't worth it. When I asked to go through the process anyway, she told me this new extended amount was the lowest it would be. I took the extended amount, and feel like I was pushed into a corner. I do not feel like I was helped properly. It seems as though Navient benefits more from the extended amount, and therefore did not want to give me the option to choose IBR.
Company Response:
State: MA
Zip: 02043
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-11
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Hi my name isXXXX XXXX. A long story short ... .I have federal and private loans through Navient. They are indicting that I owe almost {$80000.00} in loans!!! They are saying I have 4 loans through them. However, my parents have paid, in full, two of my federal loans and they have confirmation of such. I should only have two more loans through them which both my parents and I are paying. I have had a VERY difficult time trying to set up a payment plan with them so I can actually pay them back and not ruin my credit!!!! Its becaise of them that Ill never get a mortgage in my name : ( ( they have ruined my credit because they are not willing to work with me!! And when my mother just recently called to see what is was that we owe and how much, they wouldnt give her an answer!!! Whats up with that???? Working with them, well trying to work with them, for the last 11 years has been XXXX. They are unruly. I do not make that Much money and they want like $ XXXX/month from me!!! I cant do that. Anyways trying, begging, for help and direction on how to see if they have XXXX me over. There is NO way I owe {$80000.00}!!!! Please help me ... XXXX XXXX
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A