Date Received: 2019-01-09
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have been asking for years for help with my loans as my income changed when I divorced and trying to raise XXXX kids. I was told there was not much they could do and that there was not programs to help lower my payments so of course I used up my forbearances and deferments which of course gives them ways to capitalize interest on me. My loans total has easily doubled or tripled and owe as much as a house for my Associates and Bachelors. The call centers would not release or offer any low income programs, I even tried got help from XXXX XXXX and they got me into a income based program charging me money to help me and then disappeared which caused me to be late to re-certify which caused me to loose time on the pslf due to lapse in my certification with income based programs. I called the Dept. of Ed and that is when I learned that those programs have always been available and other ones as well but none were ever offered to me in the last 10 years. I look at my total due that I owe and it is very depressing to know I owe so much money and was swindled into thinking there was not programs or help out there and I owe fees and high balances due to their scams to make money off a person trying to better themselves. I started PSLF program back in XXXX and I was told after 5 years I would be able to have some of them removed and forgiven all of them would be forgiven. I received a letter that I am not eligible till XXXX. More scams I guess I have no belief that they are trying to help people at all just to scam people, and fool people into the programs and then throw loops to make it never happen.
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2019-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-09
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/XXXX a letter was sent out by XXXX XXXX XXXX XXXX XXXX on behalf of Navient. The letter referenced Loan numbers XXXX and XXXX which appear to be loans from XXXX College and are under review by the Department of Education due to fraud, endangering my life, and encouraging their students to commit felonies and war crimes. The amounts of the loans when reviewing the amounts actually appear to be the following two private loans from XXXX XXXX XXXX which are over 15 years old and way past the allowable collection period. XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Loans XXXX and XXXX are for the following amounts and originate from XXXX College. XXXX has has {$0.00} balance and XXXX is in administrative forbearance until XXXX XXXX - XXXX XXXX - XXXX These collection tactics are deceitful, unlawful, dishonorable and a disgrace to a civil society. Additionally, I believe the deceitful tactics in attempting to collect a debt that is no longer collectable violates FCRA. As a South Dakota resident, these debts are past the statute of limitations which is 6 years. I would like Navient to remove these loans from their online portal. They can shove them into some other website for online portfolio management so that I do not get confused and accidently, through their deception, make a payment towards these loans and reactivate the statute of limitations. I would also like all collection notices from Navient to cease as my account is under administrative review from the Department of Education and there is no reason a collection notice should be issued.
Company Response:
State: SD
Zip: 57103
Submitted Via: Web
Date Sent: 2019-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-09
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: XX/XX/2019 I received a call from Navient at XXXX speaking with XXXX . I advised of already making payment arrangement to which she seemed confused by. I received another phone call at XXXX to which I shouldnt as I have already put in to have the owed amount drafted out. The company has repeatedly called numbers not listed as a form of contact. This is very disturbing and unprofessional.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2019-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-09
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: XX/XX/18 I filed a preliminary complaint with CFPB because Navient failed to send me notices about the status of my loan and I did not find out there was an issue until they posted late status information on my credit. I provided documentation proving that I was in school the year prior under which circumstance my loan should have received an in-school deferment for a period a few months since it was a summer term and subsequent to that I still had the option to go into forbearance. Navient applied the forbearance and brought the loan current, so instead of my account being in repayment status the first quarter of the year I did not have a payment due until XX/XX/2018. Several representatives have argued that they brought my account current, but they will not remove any late payment entries. I tried to explain to them that backdating a deferment or forbearance is fundamentally contradictory if they are not going to remove the late payment entries, because by approving the deferment or forbearance you are essentially moving the due date and saying that you don't have to pay your loan back now. By Navient refusing to remove the late payment entries on a borrower 's credit they are penalizing them for missing the old due date, compounding the interest, and setting a new due date that says you didn't have to pay it. What's more is that my loan was transferred from Sallie Mae to Navient and what upholds the validity of the debt through the transfer are the terms of the master promissory note. It was Sallie Mae 's practice to remove any late payment entries on a borrower 's credit if they approved a deferment or forbearance. This wasn't a matter of altruism, but rather a fiduciary responsibility to comply with the law. Section 623 ( a ) ( 2 ) Duty to Correct and Update Information. Denial of a deferment or forbearance would be justification or not updating a borrower 's credit report ; however, approving a deferment or forbearance says that Navient has elected not to enforce payment of debt. Reporting a late payment to the credit bureaus is an debt enforcement action which is in direct conflict with approving a deferment or forbearance. This does not just impact me, but hundreds of thousands of borrowers and I believe this is yet another egregious misinterpretation of the law and their responsibilities to its borrowers. This is an argument I believe is worth being heard before a judge, but it would exemplary if Navient would just re-examine this practice and make a change on their own without having to be sued.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-09
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: This is a rebuttal to a complaint I filed with CFPB that was closed, # XXXX. Navient falsely claimed in its explanation that my forbearance in XX/XX/XXXX was back-dated to XX/XX/XXXX. That information is incorrect. According to the email I attached, forbearance was approved on XX/XX/XXXX. Meaning the account was already in forbearance through XX/XX/XXXX. Navient is falsely claiming payment is late, though a forbearance was approved in XX/XX/XXXX. And forbearance are usually for 6 months. The forbearance request approved in XX/XX/XXXX was scheduled to begin on XX/XX/XXXX. I also included a copy of the letter Navient sent to me when I inquired about the credit reporting. Whereby Navient stayed my account is not in default.
Company Response:
State: VA
Zip: 20165
Submitted Via: Web
Date Sent: 2019-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX, I reacently found out about a loan that is not mines an i aslo saw that i disputed it on my credit report a whe ago, did not realize that until i got a copy of it, and it was under a diff name. I spoke with navient on/around XX/XX/XXXX. I advised them about a loan that was under my name that I did not take out because I never attended school in XXXX, nor did I know about this school. The amount was for {$1300.00}, through XXXX XXXX initially, then they said it was under XXXX XXXX which is now handled by Navient formerly Sallie Mae. I was advised to write a dispute letter and submit military documents as well showing that I was in the military and also signed up in XXXX. I did that, then after sending on those documents, they claimed they did not get them, so I sent them again, later after that I still hasn't heard anything and was sent a fruad packet to have done. Included in there they wanted a police report. I told them you can not do a police report for something that happened in another state -- in another state. I currently reside in Texas and this incident happened In XXXX XXXX in XXXX. So when I went to the police station yesterday, XX/XX/XXXX he stated the same thing, that he can not do a police report for something that happens in another state and jurisdiction but would take note that I went in to give him this information and gave me a file number as well. He also stated that the companies are supposed to use the number to request the report or what was taken down. So I advised Navient escalations team of this, and she continued to go back and forth with me and told me if its that easy then I can do it and I told her I would not then asked to be transferred to a supervisor. She made it seem like she only had one supervisor and said she would transfer me to their voicemail and basically put me on hold after asking to speak with someone over her. I need this situation to get handled because it is affecting me maybe receiving grants for the upcoming school semester. Police file # XXXX Jurisdiction, XXXX, TX Account # XXXX Amount : {$1300.00} XXXX XXXX Navient XXXX XXXX.
Company Response:
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2019-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-09
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have been paying in the same loans since XX/XX/2011. I noticed the monthly payments are increasing yet the balance has not decreased. I have called several times and asked for options. Even when placed on auto pay. I recieve nagging calls. I have not been given any explanation as to why the balance has not decreased. The agency is not willing to work with me. Paying the loan is causing me not to be abl to meet my basic needs. I feel trapped due to the lack of cooperation.
Company Response:
State: AR
Zip: 71730
Submitted Via: Web
Date Sent: 2019-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX XXXX phone number XXXX has called my adult children multiple times, they also called an elderly neighbor but they have not called me. They have also called my daughters number asking for another person regarding me. My daughter has not lived a my address for 10 years and my son has never lived at my address. When I called the number left on my daughters voice mail with the reference number they would not tell me why they are trying to contact me unless I give them my SSN. Four years ago someone filed an income return with my SSN and it cost me a lot of money to get it resolved so unless I know the company and the exact reason I will not give my number out. Since I called XXXX XXXX XXXX they have continued to call my children and people I have no association with other than we live on the same street. I have not received mail from them explaining why they are looking for me. The phone calls are multiple times during the day and everyday.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63109
Submitted Via: Web
Date Sent: 2019-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-09
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have student loans through Navient, I believe they are federal student loans although I am not positive. It is proving impossible to get any information from the company. When I first started working after college in XXXX / XXXX I reached out to Navient to discuss payment options. They put me in an income repayment plan that was described to me as having a low monthly payment made up of both principal and interest. At the end of each year I notice that my balance has not been reduced. Looking a the monthly payments they are almost exclusivity made up of interest payments, taking nothing off of the principal balance. Whenever I reach out to Navient for information on the plan or to discus the other payment options available to me I get bounced around from person to person. No one can provide me with a clear answer and no one can explain the principal to interest ratio of my payments. They are misleading and unhelpful, you can not even find an account statement online.
Company Response:
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2019-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-09
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: In XXXX I was injured and has loss of income. I requested lowered payments which I received notification of and had the loan book ; however payments are made online. The online amount was not changing and I could not afford the higher amount. I received and email regarding a forbearance and applied. For approximately 3 months Navient expressed they could NOT find my account to process the forbearance, yet sent me emails weekly to the email address that was NOT associated with any accounts. I also have XXXX cell phone records that I also attempted to call. Once the forbearance was finally approved while I kept working to get them to adjust the online payment amount to the correct amount for the payment book the took another month to actually process the forbearance after I received my approval letter. They were marking me derogatory in my loans throughout this whole process when I was told it would be dated back to my original email request date as it was their error. The delinquencies continued throughout the forbearance and followed through as I began my payments. Although it was in forbearance for 3 months my follow up payment was reported as 120 days delinquent, at one point I made a large payment to stop the delinquent reporting even thought I did not really owe it. I reached out to the company in XXXX and was led to believe it was corrected. However ; life got busy and forgot about the issue until I completed a mortgage application this week and found out my interest rate would not be 3.87 but 4.25 and that closing costs would have an additional {$2200.00} in fees due to the low credit score that the broker stated was due to Navient. I have requested an immediate review and correction through the advocate but do not believe they will do anything again this time. Please make them admit their mistakes and correct them. They also charged me hundreds of dollars in late fees! I hate to believe it was intentional fraud but it seems very suspicious to me that online there was an incorrect high payment and in emails and telephone I was told for months that my account didn't exist and it was only when I stated I would go through XXXX XXXX that my account was found. Thank you for any assistance you can provide.
Company Response:
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2019-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A