Date Received: 2023-03-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under [ 15 U.S.C. 1681 ] section 602 states I have the right to privacy [ 15 U.S.C. 1681 ] section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under [ 15 U.S.C. 1666 ( b ) ] a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: MI
Zip: 48433
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Navient is the loan serviced. They call everyday threatening to have me arrested at work for default. The minimum payment they are requesting is over 2,000. I am a single mother barely making it as it is. I have tried to negotiate a lower payment and they forbid to help me. No one can give me details on the loan, such as amount borrowed or when it was borrowed.
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: Went to XXXX XXXX in XXXX XXXX in XXXX and School was closed for preditory lending. I was sold on classes that were not pretaining to my corse of study also forced to take the loan knowing full well there was no way I could pay them back. A personal loan was taken out with XXXX XXXX, after XXXX was forced to close Navient took over the debt from XXXX XXXX and now requesting payment. Since attending I was in a XXXX XXXX and was never notified of the submittal to settle as my attorney handled all debt, During that time Navient was not allowed to contact me of the debt, Now that the XXXX XXXX is clear Navient is trying to collect. This dept should fall under the pending law suit settlement announced on XX/XX/XXXX by CFPB that Navient settled XXXX in debt cancellation.
Company Response:
State: CA
Zip: 95648
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navinet has reported on my credit report to all three agencies XXXX, XXXX and XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was to be in forbearance at those times. I have disputed with the credit agencies several times and Navinet validates and says it is correct. I was told by Navinet that they report an account late every 30 days. They skipped the 30, 60 and went right to 90. I have since consolidated my loans and Navinet is no longer my provider. They told me I would have to dispute with them. Because the reports were 90 days I am unable to get a home loan and will be homeless soon. Due to the fact they were reported as 90 days it has completely ruined my credit. I need to move out of state where home prices are affordable. I am the caregiver if my mother who is XXXX. As I stated before I have been trying to fight this issue for some time. Navinet didnt even tell me about income driven repayment plans. They wanted me to go into forbearance to keep the high interest to accumulate.
Company Response:
State: WA
Zip: 98223
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Debt Validation Letter Friday, XX/XX/2023 XXXX XXXX XXXX XXXX To Whom It May Concern : I, XXXX XXXX XXXX XXXX XXXX am a consumer as per the Fair Debt Collection Practices Act and fully invoke my rights as such. Please be advised that this is not a refusal to pay but a notice that your claim is being disputed and validation is requested as per 15 USC 1692g. This is not a request to verify the debt but a request for you to provide complete and competent evidence that I have any legal obligation to pay you. I would also like to inform you that if you have reported any invalidated information to any credit reporting agency, such as XXXX, XXXX, and/or XXXX, may constitute as fraud by both Federal and State Law. Therefore, if any negative mark is found on any credit report by your company or any affiliates, I will not hesitate to bring legal action against you and any affiliates for violating the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and Defamation of Character. Once I receive the information requested through written communication through the mail only, I will review it and respond within thirty days. If this validation request is not fulfilled within thirty days from the receipt of this letter, all references to this account must be deleted and completely removed from my credit report and a copy of the deletion request will be sent to me immediately. If I receive any communication from you or any of your affiliates through any other medium from the date of receipt of this letter, I will not hesitate to bring legal action against you or any of your affiliates for harassment. Thank you for your efforts in this matter and I look forward to your response. XXXX XXXX XXXX XXXX I request that the following information be provided to validate this debt : - Name and address of alleged creditor - Name on file of alleged debtor - Alleged account number - Address on file for alleged debtor - Amount of alleged debt - Date this alleged debt became payable - Signed agreement alleged debtor made with creditor - Any agreement that bears the signature or alleged debtor wherein agreed to pay Debt Collector - All statements while account was open - Full audit trail from conception of alleged debt - Have any insurance claims been made by any creditor regarding this account? - Have any judgements been obtained by any creditor regarding this account? Please provide the name and address of the bonding agent for Navient in case legal action becomes necessary. Authorized signature of Creditor ______________________________________________________________________________ Date _____________________________________ This form must be completed and returned along with all copies of all requested information, assignments, and/or any transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Under the Fair Debt Collection Practices Act, this is a request for the validation of this alleged debt. If any portions of this request are not completed in full, this alleged debt will not be considered, and litigation will be pursued.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Dealing with your lender or servicer
Subissue: Need information about your loan balance or loan terms
Consumer Complaint: On XX/XX/XXXX of XXXX I received a email which I still have about being in a class action lawsuit stating this : Dear XXXX XXXX : Subject : Student Loan Discharge Based on XXXX XXXX XXXX The Department of Education ( " Department '' ) has determined that the loan ( s ) you received to attend a school owned and operated by XXXX XXXX XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct. You also may receive a refund for prior payments made to the Department on your discharged loan ( s ) related to XXXX XXXX XXXX. Your servicer will let you know if you are eligible for a payment refund, which would be mailed to you. Please check your online account with your loan servicer to ensure your address is correct so you can receive any refund. Otherwise, you do not have to take any further action to receive your discharge. Your credit report will also be updated to reflect this discharge when it is complete. If you do not wish to accept this discharge, please contact your servicer within 30 days of receiving this letter. It will take the Department some time to process your discharge. Until the Department completes its work, your eligible loan ( s ) from XXXX XXXX XXXX will remain paused in forbearance/stopped collections, and we will not ask you to resume making payments. If your loan ( s ) are in default, we will not attempt to collect on the loan ( s ) being discharged. If you have other loans not covered by this group discharge, you will enter repayment and/or collections when the national pause on student loan repayment and collections ends. If you have questions about this notice, please call our borrower defense hotline at XXXX from XXXX XXXX on XXXX or from XXXX XXXX on XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX Operating XXXX Federal Student Aid Up to this day I continue to get the run around from Navient first I was told they didn't have any information about this then I was told they were waiting on the department of education to give them information this has been back and forth sense XXXX then in XXXX I called because Navient was reporting to the credit departments that my loans were 120 days delinquent which they were not they were in a hardship deferment til XXXX of XXXX and then switched over to the Government forbearance. In this conversation I asked Navient dis you receive any information from the department of education on the discharge from the case and asked them why they were reporting my loans were delquint when they obviously were not I was told that they didn't report them delinquent and the credit company 's themselves listed them as delinquent. When I asked if they got the discharge paper work they said they had it they had to get it approved '' by the loan holder and it would take up to 60 days .... when I called the D.O.E after that call for yhe borrowers defense I was told it could take up to 3 yrs to be discharged and that I had to fill out a borrower 's defense application even though this e mail above clearly states I don't, however I started a application anyways and the application process shows what loans are eligible and which loans are not well it was saying all of my loans were ineligible I contacted the D.O.E who then again told me today ( XX/XX/XXXX ) that I don't have to fill out a borrower 's defense and my loans would be discharged automatically cause of the lawsuit and to contact my server so I contacted Navient after this phone call today XX/XX/XXXX again and now Navient is stating that they have not got any information from the department of education. Which is a contradiction to the previous phone call with them. The Department of Education was the ones that told me to submit a complaint here Because I continue to get the run around from Navient but I feel like I'm getting a run around from both Navient and the Department of education. Thank you XXXX XXXX
Company Response:
State: IN
Zip: 465XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I am being harassed by Navient, although I received approval for debt relief from the Federal government, which is unfortunately on hold due to a court order, however, I received an email on XX/XX/XXXX from XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX serviced, but yet still being harassed for payments by Navient. Navient made claims that I was not eligible for debt relief, only Direct Loans were qualified, however, I did receive an email confirming I was approved prior to the court issues. When I told Navient to stop calling to only communicate to me by email on XX/XX/2023, I still continue to get calls, and now calls from another number but still XXXX XXXX XXXX twice on XX/XX/2023, and again on XX/XX/2023, it was Naivent calling and harassing me, when I repeated to no longer call me, the person on the phone continues to ask me for payment and would refuse to listen to my request for no phone calls. Can you please assist me or how this company can be reported and prevented from calling me?
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: After receiving an eligibility acceptance letter from the DOE, I stopped struggling to make the student loan payments I had been making throughout the pandemic. On XX/XX/2023, a male Navient representative called to discuss starting repayments. I stated that I was not required to restart payments until the Supreme Court made its final decision, or POTUS determined to abandon this initiative. After some debating about when I needed to restart payments, I told him to place my account on the " Do Not Call '' list and he hung up mid sentence. I immediately called back, spoke with a female representative, and asked to speak with a supervisor. My call still wasn't directed to a supervisor, even though I told her that I wanted all phone calls to cease and desist. I told her I only wanted to communicate with Navient via snail mail/hard copy print. That should have been the end of any verbal communication, but I currently have a call log from Navient 13x 's since the stated above date. This company has also logged as many as 11 calls in one week, most during my working hours. Then on XX/XX/2023 & XX/XX/2023, I accepted Navient 's calls to ONLY state my previous statement to place me on their Do NOT Call list and to cease and desist contacting me via phone calls. Since XX/XX/2023, I have received 9 more calls, and I'm now reaching out to this agency to find relief from these harassing calls that are unnecessary until POTUS or USSC determines repayments must legally restart.
Company Response:
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: The last correspondence with CFPB. Navient stated they had no control over the situation until they got word from FAFSA. I was sent a letter from FAFSA on XX/XX/22, stating that the Borrower Defense Loan was discharged. And Navient would notify me of this notification and refund me of any payments made to them. Thus far, Navient hasn't reached out to me via email or portal to inform about this letter. But are still aggressively trying to collect payments via marketing options.
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A