Date Received: 2018-12-27
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: For approximately eight months I have had an automatic payment plan with NAVIENT. This plan was established to bring my account current, ensure all monthly payments were on time, and to avoid further late fees or penalties. However, after the agreement had been made I started receiving repeated calls and emails from NAVIENT stating that I had missed payments and that late fees would be applied to my account and that it would ultimately affect my credit. I was told to contact XXXX XXXX which I did. I explained that the late fees and missed payments made no sense. Records clearly showed that we " agreed '' to {$100.00} payments to be deducted twice per month for a total of {$200.00}. No payments had been missed and my payment history on NAVIENT 's website clearly showed everything was current. NAVIENT researched the matter and said that I had repeatedly missed a {$6.00} payment which was caused by a change in interest rates. I reapetedly asked why this wasn't addressed eight months ago when we entered the repayment agreement? There absolutely no answers to the question, and it clearly did not matter to them that my credit was being impacted by a questionable and arbitrary {$6.00} fee. So, to address the matter I had to enter into another repayment " agreement '' for the {$6.00} which was to be automatically deducted each month. I was told that this would eliminate any additional fees and that my account would be current. The last {$6.00} payment was deducted on XX/XX/2018, and my initial payment of {$100.00} was deducted on XX/XX/2018. So, according to NAVIENT, I will now pay {$100.00} twice per month even after we both agreed to {$100.00} twice per month eight months earlier. Now, on XX/XX/2018 I am receiving phone calls and emails from XXXX XXXX saying that my account needs attention again and that I have been repeatedly missing a payment. The amount missed now is {$10.00}. Without any explanation for the new amount owed, it has already negatively impacted my credit. I simply do not understand how I could have entered into an automatic payment plan / " agreement '' designed to prevent late payments, fees, and negative credit impacts, and yet NAVIENT keeps changing the rules and applying charges and fees with absolutely no explanation whatsoever.
Company Response:
State: AZ
Zip: 85757
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I graduated from the University of XXXX in XX/XX/XXXX. I began paying back my loans shortly thereafter. In XX/XX/XXXX I started XXXX XXXX in XXXX, I am still a XXXX XXXX receiving my XXXX in XXXX XXXX. The lender has asked two years ago that I start repaying my loans, while I am receiving loans to live on for XXXX XXXX. They told me that I only get to pay 6-months of interest only payments a year and then later when I reached back out to see about options they told me I would have to default on my loan and then they would have more options for me. Being that I am in the XXXX XXXX, they neglected to give me options and as a XXXX XXXX I can not afford to start paying my loans back -- because I am not gainfully employed yet and still live off of student loans. I reviewed the documents and my grandmother called- they bothered us daily even while working with us. By calling multiple times a day ( both my grandmother and I ) and on weekends ( when they couldn't even be reached ) when we were working with them to fill out paperwork for forbearance for XXXX, they continued to harass us. Full disclosure, it takes time to have directors of XXXX XXXX sign paperwork when we all have full XXXX XXXX and put XXXX first, but I got it within a week and sent it back. They required corrections, then after I resubmitted it they told me it was the wrong document ( they didn't notice that the first time? ). I feel like I am being taken advantage of and it is not right. I am working very hard and keep in contact with them to ensure things are handled and I am being seriously mistreated.
Company Response:
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navient put 6 different loans and split them up and filed them all as delinquent
Company Response:
State: NY
Zip: 11729
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: In XX/XX/XXXX I began my XXXX studies with the University of XXXX-XXXX XXXX, CA and completed this program in XX/XX/XXXX. I began my XXXX studies in XX/XX/XXXX with University of XXXX and completed my XXXX studies in XX/XX/XXXX. I was also enrolled at the University of XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX degree in XXXX XXXX with the University of XXXX-XXXX in XX/XX/XXXX, I completed this program in XX/XX/XXXX. During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. Upon careful review and further evaluation by the VA my XXXX rating was increased to XXXX XXXX, which qualified me for the XXXX XXXX XXXX XXXX ( XXXX ) program for my student loans. On XX/XX/XXXX DOE directed Sallie Mae/Navient and XXXX/XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX XXXX XXXX XXXX. In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with Sallie Mae/Navient. To my knowledge this was never corrected. Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Navient-U.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Company Response:
State: OR
Zip: 97702
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Helloo.. My name is XXXX XXXX, I signed up with XXXX XXXX XXXX XXXX XXXX and put {$150.00} plus 5 more payments plan which is equal {$750.00} And I just find out they are a total scam. They stole money from me and I just want it back to put towards my actual loans please. Anyone have any information on how to get our money back?
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I called Navient to discuss private loan repayment plan of a monthly affordable amount to continuously pay and my assigned case manager was rude and refused to work with me. I explained what I could consistently pay monthly and she told me there was no payment plan with that option. I told her that's why I didn't want to call because I knew they would not work with me. I finally told her to do what ever and I hung up the telephone in disguise.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have enrolled in Auto Pay and have been making extra payments in addition to the automatic payments. I made an additional payment of {$800.00} on XX/XX/2018 over the phone. I instructed I did not want it applied to future payments and I only want to be applied to loan # 2. They misapplied the payment and since then my auto payments have been incorrect despite calling numerous times to fix the problem. I made another additional payment of XXXX on XX/XX/18. I once again called Navient and requested my overpayment be applied to loan # 2 and for it not to be applied to future loans. This payment was processed incorrectly. My auto payments have been incorrect since XX/XX/2018. I have multiple debits and credits on my account due to Navient trying to correct their error to the point where I an unsure of what my balance actually should be. I call at least twice a month for them to correct their mistakes.
Company Response:
State: UT
Zip: 84015
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: On XX/XX/XXXX, I paid off my federal student loan through Navient 's online account-servicing site. At that time, I turned off the auto-payment feature. For added measure, I wanted to remove all my banking information from the site so that they could not take out the regularly scheduled payment on XX/XX/XXXX, but I was unable to remove it because that would mean that Navient could not process my payoff payment. So I TURNED OFF auto-payment and thought well if the balance is {$0.00}, and auto-payment is OFF, they won't take a payment. WRONG. They processed the regular payment anyway, taking the money from my checking account and reflecting an overpayment credit balance on my student loan. When I called XX/XX/XXXX to have this corrected, the agent immediately put through the refund request, but then informed me it takes 30-45 DAYS to get my money back!!! It was their mistake, yet they are keeping my money for a month or more and refuse to pay interest back to me on money they should not have withdrawn in the first place.
Company Response:
State: ID
Zip: 83686
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I applied and accepted a forebearance for my private loans in XXXX. The forebeaance was to start in XXXX. Come XXXX, Navient deducted the payment from my account. I called and they said that the representative who handled my forebearance forgot to cancel my payment ( I was on auto debit ). I received mutliple overdraft fees from my bank on this. It is now 3 weeks later and I have not received the refunded money. I called today - and was told it was processed on XX/XX/XXXX. I called XX/XX/XXXX. Not sure why this is taking so long, it is ridiculous. I was told it was a holiday - I called 3 weeks ago, way before a holiday. Navient system is disorganized, and unreliable.
Company Response:
State: NY
Zip: 11530
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: They keep calling me trying to tell me I qualify for loan forgiveness and when I call they tell me it is only for over 10 grand in order to qualify. I keep getting harrassed by phone calls even still after I told them to stop calling me anx telling me that.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A