Date Received: 2018-12-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XX/XX/XXXX, then President Bush signed into law a provision for the cancellation of federal student loans for XXXX XXXX XXXX who made payments on time for ten years. I did everything I was supposed to do for that ten-year period and have continued to do so in order to take part in this loan cancellation program I am entitled to. In XX/XX/XXXX, I contacted Navient to have my student loans canceled. I was told I didn't have the correct loan so they would need to re-finance under a different loan and I would have to make payments for another ten years in order to take part in this. Since that time, they have taken as much as {$480.00} in one months ' interest. Their interest payments vary from month-to-month but are usually somewhere between {$150.00} and {$200.00} every month. The reason they want me to continue making payments is obvious. They are getting rich off of exorbitant interest payments. It's obviously in their financial interest not to honor the loan cancellation program. I know that several lawsuits have been filed over this already and rightfully so. Hopefully, you will be able to make this right.
Company Response:
State: CO
Zip: 81007
Submitted Via: Web
Date Sent: 2018-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-12
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: It started in the year of XX/XX/XXXX, I decided to get a degree in XXXX, so in this year I proceeded to Minnesota XXXX XXXX XXXX where I chose the degree of XXXX XXXX, when Orientation came up the Administrators had talked with us and mentioned that upon our graduations we will be given the jobs for which our degrees covered as mine was XXXX XXXX, going through all the transitions and getting the loans for the degree, I was faithful in all phases of the education needed to complete this degree. as we headed towards the end of our education, we were suddenly told that our jobs could no longer be given to us after our XXXX graduation, as we were about 4-6 months from graduation and no where to go but try and finish to see what we could get for a job after finishing our degrees, this was maddening as I was working full time over nights and going to this school in the day time and early afternoon to finish, crazy institution. I graduated in XX/XX/XXXX and soon the loan payments were coming in, started out with XXXX XXXX initiating the payback, then it went to a ticket type company with a coupon book you would send into them and get credit for paying them, this company you could never get any info from either, then after awhile I lost track of who or what company had the loan, ended up with Navient who is a disgrace to me, sent statements that you can not read, written in small lettering, no true phone numbers to call for any type of help, they send no envelopes with there statements and the numbers I reach is an offshore Southeast XXXX team pursuing your questions, in which you can not understand, I somehow got caught up in the pursuit to get me to sign up for Auto-Pay which I would never let anyone especially these people automatically take a payment out of my account, but anyways these people thought I signed up for their Auto-Pay program and did not send me a statement for 3 months, and I could not get ahold of anybody on shore or located in their XXXX XXXX Office, this went on for a few months, arguing with these people about paper statements sent to my house, I had to settle the amount they sent, but in between arguing with these XXXX they were rude and I would get phone calls late at night without remorse, being it was something I did not take on myself, I had a XXXX of a time getting someone to talk to from XXXX XXXX Office, this is XXXX and where are these people located, if I owe them any amounts it should be in bold writing with amounts shown, so if you do not know how much you truthfully owe why do you have to pay someone, you buy a car under payments you know exactly what you are paying for and how long, so what is the difference between the two may I ask? if you people don't help solve this I will put a lawsuit together against Minnesota XXXX XXXX XXXX which already has a bunch of lawsuits against and Navient for Negligence, Incompetence, fraud, and unlawful presentations. Before they XXXX me up on the Auto Pay detail I never missed a payment or was late and still aren't so it there mistake and I will hold both Minnesota XXXX XXXX XXXX and Navient for all the trouble, as a XXXX XXXX I would of been making 6 digit incomes for which I never had a chance to use. So if you won't help or find you are afraid oif pursuing the truth I will file a lawsuit which I am entitled to after all the harassments I am going through yet.
Company Response:
State: MN
Zip: 55124
Submitted Via: Web
Date Sent: 2018-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I keep getting calls from XXXX XXXX XXXX about a debt owed. I pay all my bills on time and do not owe anyone anything. I haven't called the company back as I looked online and people that did call where abused verbally. Also, from what I read online that did not stop the calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2018-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-12
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I sent a {$93000.00} payment to Navient to pay off my student loan. I wrote my account number on the check and submitted the check in with the payment form to the payment address on their website which was XXXX XXXX XXXX, XXXX Pennsylvania. I sent the check certified mail and they signed receipt for the check on XX/XX/XXXX. They cashed a check on XX/XX/XXXX and did not credit my account. It is now been more than a week since theyve cashed the check and they said they need to do more research to link the check to my account ( my stepfather wrote the check for me, but it had my name and account number on it ). Ive spent several hours on the phone with them. They have almost {$95000.00} of my stepfathers money and have not credited my account. It is causing exceptional stress on all of us. Navient just says that the check is in suspension mode. They are asking for proof that the check cleared. I uploaded a screenshot of the bank account showing the check number and cleared amount and date two days ago and its still not resolved.
Company Response:
State: VA
Zip: 22102
Submitted Via: Web
Date Sent: 2018-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX I defaulted on a student loan. I requested a forebarence form which I never received and my loan was sent back to the department of education. Around XXXX I made 2 payments to the department of education. They requested my 1040 tax form to enter me into a payment plan. I send it in to the address they provided in XXXX ( uncertified ). I did not hear from the DOE until XXXX XXXX XXXX send me a letter on XX/XX/XXXX. When I called the DOE they said they never received the 1040 tax form and considered my account in default. I filled a complaint at that time with the DOE because not only was I concerned my account was put into default I also was concerned they lost my 1040 tax form. To this day I have not received a response to my complaint. Sequence of events : XX/XX/XXXX - received initial letter from XXXX XX/XX/XXXX - I called company and was deceived into beginning the process of the loan rehabilitation program. They made me lock in a payment and auto withdrawal payments going forward. XX/XX/XXXX - After realizing I did not have to make payments on a loan I disputed, I sent a certified letter requesting validation of the debt. XX/XX/XXXX - Certified letter received by XXXX *Through the month of XXXX they continued to call me although they were supposed to stop all collection efforts, collection efforts ceased after I filed Attorney General. Although calls have stopped after XX/XX/XXXX, they continue to attempts collecting the debt by sending me request to sign up for the rehabilitation program. Around XX/XX/XXXX I filed a complaint with the department of education and have not heard back to date. I also filled a complaint with the attorney general. The attorney generals office sent them a letter and XXXX sent a letter back stating they never told me I was going to have my wages garnished {$1600.00} per month. They also said they would send validation of the debt once they received it. It's my understanding that the document they attached to the letter they sent the attorney general does not qualify as " validating '' a debt. There is not even an amount on it! When I called the school, I was told their records show the amount of the loan I took out was a little over {$2500.00} but their letter says it's $ 40,000+ but they can not provide me with anything showing that to be true. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95117
Submitted Via: Web
Date Sent: 2019-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-12
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I was systematically and illegally mislead at every stage of repayment options of several student loans given to me by navient while i was unemployed. It's mathematically impossible for me to pay these several loans back in this lifetime. It has ruined my credit and life since XX/XX/2009. I tried to Income based pay back just to help my credit for 5 years and my debt has gone up. I was just paying interest they said. Please Help!!
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2018-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-12
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I paid {$100.00} on XX/XX/XXXX for a forbearance on my loan. I received an approval letter on XX/XX/XXXX for forbearance from XX/XX/XXXX to XX/XX/XXXX. I was told, I could only re apply for forbearance after XX/XX/XXXX, so I reapplied on XX/XX/XXXX. Navient had me, due for a payment XX/XX/XXXX, but my forbearance was approved before them. I called them with the forbearance approval and they drug around and didn't tell the payment department. Then they had me owning a payment that I didn't owe. Now, they mailed a new forbearance letter out, stating my new forbearance is from XX/XX/XXXX to XX/XX/XXXX, due to a late payment in XXXX. I paid for my original forbearance {$100.00} for XX/XX/XXXX to XX/XX/XXXX. Not a new forbearance I didn't pay for dated XX/XX/XXXX to XX/XX/XXXX. Need help with Navient business dealings.
Company Response:
State: TX
Zip: 759XX
Submitted Via: Web
Date Sent: 2018-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-10
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Have been paying on private student loans prior to completion of terminal degree ( XXXX ). Recently in XX/XX/XXXX, private loans went into default, while enrolled in payment program. Have been paying {$250.00} per month since XXXX at least and not clear as to how loans went into default. Was informed needed to put all loans in at different times due to how they were taken out. Then was informed they were in default due to payment amounts not being sufficient, when they ( Navient ) were the servicers who enrolled me in the program with the acceptable rate/charge. Now 3 out of 5 of my private student loans are in default and there is nothing I feel I can do, especially since I am still paying $ XXXX month, plus my co-borrower is also paying a fee and has been for the past year at least. I have sent in letters and statements ; spoke to supervisors and numerous representatives. I receive phone calls at least 1 time per hour between the times of XXXX and XXXX CST. I am unsure of what to do. I do not have much on my credit report besides student loans, a car loan and 1 credit card ( with low balance of XXXX ). Not sure what else to do or where to go for support.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2018-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-11
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: I have a loan with XXXX XXXX/NAVI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX/NAVI with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX - XX/XX/XXXX.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-11
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Hello, This complaint is on Navient. I have been trying to work with them. I lost my job in XXXX and was unemployed for 4 months. Upon calling them they wanted to run a credit check which makes absolutely no sense for them to need to check that to prove i was unemployed. They never really give any form of leeway to people that are trying to give them something!
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2018-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A