Date Received: 2019-01-08
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: On several occasions I have called Navient in order to better understand my options for repayment and or lowering my interest rate. Today XX/XX/19 I again called because some of my loan percentages were up to 12 %. I am unable to find information as to what the max is for interest. In the past I have been told there is nothing they could do for me, in addition to, suggesting that I have a child in order to lower my payments because of number of dependents! I have been working hard to pay additional amounts to the higher interest loans in order to pay them off. Each time I get close the rate seems to go up! A year ago the highest % rate was at 8 % and now it is at 12!! There is no attempts to assist you in paying off your loans. The customer service people are rude and not helpful.
Company Response:
State: IL
Zip: 62269
Submitted Via: Web
Date Sent: 2019-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I was originally placed into a private consolidation loan that began with a low interest only payment of {$390.00}. That payment increased to {$1500.00} on XX/XX/XXXX. I have struggled to make that payment. I called on XX/XX/XXXX to ask how I could lower my payment. The first agent I spoke with told me that I had the option of extending my payments and lowering them to approximately {$500.00} or that I could have forbearance for up to one year. I explained that I did not want forbearance as I did want to pay my loan, just at a more manageable payment. He told me that he understood and just need to check on the new terms. At that point he put me on hold. A different agent then picked up the call, told me that she had no record of the immediately previous conversation, and told me that there were no options at all with the loan I had and I just had to continue making the large payment. I told her that I was confused since the previous agent told me I could modify my payment. She then connected me to a supervisor. The supervisor told me that I could do forbearance but that I could not modify the payment. I explained that I didn't want forbearance since that would just add to my loan balance. Three different agents, three different stories. I am very upset since I want to pay but they will not assist me in modifying the amount. When speaking to the first agent I told him that I could afford up to {$600.00} per month. I am writing to request your assistance in getting the terms of my loan modified. On a separate note, I entered into the educational program with XXXX at the request of my previous employer. XXXX has made it nearly impossible for me to complete that degree. They want an additional {$10000.00} in tuition and fees above those which were quoted to me at the time of enrollment. They have also refused to modify my program and apply my credits to a less costly program. So I feel that I have been misled and hoodwinked by both XXXX who has received tens of thousands of dollars from me and not provided me with a degree or assistance to complete a degree, and by Navient who placed me in an expensive consolidation program that, apparently, can not be modified in any way. Thank you for your assistance.
Company Response:
State: GA
Zip: 31410
Submitted Via: Web
Date Sent: 2019-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I applied for a renewal of my income based repayment for my federal loans. For the last number of years I have made the same payment of about {$770.00} for my consolidated federal loans. This was full repayment mode. I received income based repayment for XX/XX/2018 for $ XXXX monthly. Now that my plan has expired my payments went up to {$1600.00}. I don't understand why it would double ... Ive never paid that amount. I was on full payment plan, not graduated payments I do not understand why the payment would be so much. When I called to ask, I could not get an answer. I did the application and I still need to provide another document for my application. But why would my payment double?
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Navient has been attempting to contact me. They have an accurate phone number, email address and physical address. Today, XX/XX/2019, they opted to contact my fiance. At this time, he is NOT listed on any of my accounts, his phone number is NOT listed as any of my contact information and NO ONE is authorized to speak to him about my personal finances. This is a huge breach on the part of Navient as they have now shared personal information to someone who is NOT authorized to receive information.
Company Response:
State: CO
Zip: 81007
Submitted Via: Web
Date Sent: 2019-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: wrongfully charged, false advertising, misleading
Company Response:
State: AZ
Zip: 85042
Submitted Via: Web
Date Sent: 2019-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: The loan was disbursed on XX/XX/XXXX. I attended XXXX-XXXX in XXXX XXXX Missouri for a half of a semester. I dropped the classes when I realized that XXXX dollars for a four year degree from an unaccredited school was a rip off. XXXX-XXXX told me they were nationally accredited and credits should transfer anywhere. I later found out that a school had to be regionally accredited. I made payments of XXXX or XXXX $ for around a year. After my daughter had been born on XX/XX/XXXX I continued to make the XXXX $ payments for awhile. When I called to ask Navient ( Sallie Mae at that time ) if I could lower my payments the lady on the phone said that I could only place the loan into forbearance and the XXXX $ was the absolute minimum. I believe this was in XX/XX/XXXX. I know in either XX/XX/XXXX or XX/XX/XXXX I called to ask once again if I could have my payment lowered and once again I was told I could only have the loan placed into forbearance because XXXX $ was the absolute minimum payment they would accept. I was only making about XXXX $ a month working one weekend a month as a XXXX at that time.
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2019-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-06
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My student loan is currently with Navient and I have field 2 previous complaints for past dues fees when I was making my payments on time. This month I finally get a statement with no past due charges but my monthly payment when my {$390.00} to {$410.00} with no explanation as to why. This company is dishonest but I also believe these complaints will resolve nothing since you close them out based on the answer you get from Navient. This company has multiple lawsuits filed against but they are allowed to manages student loans and O would like an answer from you as to why.
Company Response:
State: OH
Zip: 44512
Submitted Via: Web
Date Sent: 2019-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-06
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I was robbed of my whole student loan check and I have a police report to prove it
Company Response:
State: OH
Zip: 44052
Submitted Via: Web
Date Sent: 2019-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navient has reported me late multiple times while i was a student and under in school deferment. They refuse to report all months most months aren't even reported and most the ones that are are wrong ... i was never late.. Navient also reports i had a high balance of XXXX on 3 or more loans.. meaning id have over 1 million in student loan debt for my XXXX XXXX XXXX! I actually owe XXXX total
Company Response:
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2019-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-05
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am writing in regards to a late payment/late payments on my credit report from XX/XX/2016 for my Navient account. I entered into a forbearance in XX/XX/2016 and was told by a representative/ agent of Navient that the forbearance would retroactive and there WOULD NOT be any late payments on my file/ account. I have since found out that there is a late payment on my credit report for all 12 loans that I have in XX/XX/2016. This wrong information on my credit report is effecting me a very negative way.
Company Response:
State: AZ
Zip: 85741
Submitted Via: Web
Date Sent: 2019-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A