Date Received: 2018-12-11
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: This is the most stressful company regarding student loans. I have tried to reason with this company within the past 7 plus years. I have gotten NOWHERE!!!!!!! Not only are they rude, arrogant and condescending, they do not want to help you at all. I have done substantially amount of financial statements regarding my outstanding private loans. I have made payments, entered multiple programs. Nothing works. The latest incident is the fact that I am trying to lower my monthly payment and my only option was by a minimal {$47.00} dollars!!!!!! At one point an agent even asked me " How can you afford your loans? '' after she did a financial statement on me. When I try to speak to one representative, my account is either not noted or they just do not give a XXXX. I am constantly being transferred to other representatives and when I ask to speak to a " manager '', they often tell me the same thing the representative has told me, and that they simply can not help me. Not to mention the amount of phone calls I get daily.I have over 20 numbers from Navient blocked. My voicemail has reached its capacity with them leaving me voicemails. They have harassed my co-signer on his personal cell phone and his job. They have harassed me at my jobs as well. It is ludicrous for someone who makes less then 42,000 a year, living on their own with their own expenses to make a payment of XXXX a month. After making several payments over the years, I have NEVER EVER seen a decrease in my loans. This company is a scam. What they are doing to people is absolutely corrupt. Student loan debt has become a massive epidemic. I feel that my story is never heard and I am just one of a million people who are in the same situation as myself. It has put me into a XXXX which has resulted in going to XXXX XXXX XXXX for almost a year. Something needs to be done. This company needs to stop ripping people off and be more honest and helpful. I hope that in the near future, I see a major change to my loans or that I receive some type of help.
Company Response:
State: NY
Zip: 11561
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: Problem lowering your monthly payments
Consumer Complaint: I can't remember the dates but I've been dealing with this issue with Navient for about 5 years. Every time I try to ask for a forbearance they tell me that I can't use it because I use it all. They could never give me anything in writing stating that I had when I ask. I ask them can I reduce my payment due to the income I had coming in and the response was short of nothing because you had to answer multiple in order to qualify and when they came up with a total it was still too high for me to pay. So I ask if it could reduce more and they told me that I had to get their manager approval to go any lower. With that being said, the manager denied it. This has been a recurrent issue with them. This causes my credit score to drop when I'm taking the initiative to pay but they won't reduce it so I can afford to pay them. I believe they are getting over on the consumers and not having their best interest.
Company Response:
State: MS
Zip: 390XX
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: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: On XX/XX/2018 and XX/XX/2018, two friends of mine received a call from Navient, the company currently managing my school loans. They ( Navient ) should not be contacting my friends or anyone regarding the status of my loans, especially since I am up to date with payments.
Company Response:
State: NY
Zip: 10028
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: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have several private student loans with this company. The repayment is very high, but I have made all efforts to best accomodate this loan including communicating often with the servicer, navient. I have not been able to recieve much assistance and have been spoken to brasenly several times about my inability to pay. I don't feel like all of my options were provided nor was I given an option that wouls help me accomodate my debt. My interest rates have nearly trippled on these loans, sinking more into a hole than when I started. They also took liberties with my co-signers credit reports and sent derogatory comments that were false in nature. Once identified, they were contacted and refused to resend the comments thus negatively affecting their credit scores. This was the most appaling part. After all I attempted to resolve my loans. Paying more and more to accomodate this company, and it has a negative affect on the people that believed in my education.
Company Response:
State: GA
Zip: 30034
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: First, upon graduation for myself and my daughter ( for which I was paying on both student loan payments ) Sallie Mae advised that both of us would to gift back on a portion of the student loans, for which they never came through ( a reduction ). When it was brought to Sallie Mae/Navient 's attention they refused to honor the prior offered gift letter. I graduated in 2007. Then multiple time I was force into placing the loan 's into forbearance due to not working in the field I studied in and not having the money to pay the loan payments. Which caused interest rate to increase. At no time, was I offered any lower interest rates or other solutions. I gave up dealing with the loan agency after years of begging and pleading for help. I attempted to sign up for the county and state forgiveness programs, but due to being a signal mother/grandmother and having to work two and three jobs to support my family, I made a little to much money to qualify for the program ( s ). I raised my children and co-parented my handicapped grandchildren through these hard times.I am still not working in my field and still having a hard time paying for my and my daughters student loans. When I attempted to call to make arrangements or find a solution, I felt forced and cornered with no other option but to pay what was required to save my credit and good standing. I truly regret going to college and insisting that my children attend college due to the bills. I am close to XXXX years old and will be paying these loans until I am in my 70s, with no retirement or savings.
Company Response:
State:
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: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I received a loan for school, through XXXX back in XX/XX/2004, for around {$20000.00}, but the school went out of business before I could finish the classes. Ive been paying on this loan since then, I have tried to work things out with Navient through emails, but have not received any response. I have tried to make payments on their website, but have been refused, stating the payments were not enough. Now my loan is in default. I will not conduct business over the phone, My information is to important.
Company Response:
State: VA
Zip: 23188
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX I was called by XXXX XXXX and informed that money was owed by me and I had very little time to pay it back or be forced out of school. When I inquired about the money or why I was being charged the once helpful demeanor was met with standoffish and unhelpful from everyone involved. I was no longer being provided with answers when I asked questions and it became very clear due to fear of legal repercussions they weren't going to inform me of anything aside from the money owed. Furthermore, due to XXXX XXXX XXXX habit of charging per semester instead of per class ( there are three or four classes per semester ) I was trapped inside a semester I couldn't pay for. My understanding was that, I owed money for an undisclosed reason and couldn't continue going to school however I was still pushed into the following semester. I felt I was trapped, as so the school could continue to charge me. I faced an emergency and when I asked my instructor he looked at me lost and said he didn't know. I went back and forth between him and administrator as they argued to see who would be responsible for my absence. Skipping to this year. In XX/XX/XXXX I was contacted by debt collection agency who informed me of a XXXX dollar owed to the university. My understanding is : the money that the University is claiming I owe, is coming from the money they had to refund back to the government, and to themselves ( They offered me a scholarship ). I'm being asked to pay for services I was never given. The school itself claims the original sum -- which forced me out -- from a class I was to retake. Unless my memory is faulty the emergency that resulted in a missed class I spoke with admin and brought along hospital papers to prove my stay in the emergency room. The other incident I can recall that may have forced me to retake a class mentioned above and I thought excused. I can not recall any other time I would have needed to retake a class that would require a retake fee prior to XX/XX/XXXX/XX/XX/XXXX. There was also never any mention when I spoke to admin that I would be charged during these events as far as I can recall. In closing, I spoke with the debt collection agency XXXX XXXX XXXX and asked them to provide paper work ( bill, account summary, paper work, etc. ) to show to legal console for advice on this matter. The paper work I received from XXXX XXXX XXXX states account balance of XXXX dollars, to make sure it wasn't an error on their part I reached out to XXXX XXXX and got a Student Account Summary and can confirm Acct. Balance and Category Balance is XXXX. Before ceasing all phone communication ( in writing from now on ) with XXXX XXXX XXXX. I asked them if they had a contract or agreement stating that I would be responsible for this charge and was met with a " XXXX XXXX has provided me with information regarding your case and no. I can not say. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92627
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: Consolidated my loans, ALL of them but they excluded one which they claim was not included but have repeatedly ask them to review as I believe it was included. While I was current on my consolidated payments when these problems began, they continued to contact 3rd parties - did not verify who they were talking to.. one 3rd party said he was me and they discussed the loan in detail with that 3rd party who then forwarded that information to me. Served them with a Cease & Desist which is ON FILE on my account. As soon as they received it, my Account rep started calling me and leaving me voice mails saying they didn't receive any letter from me, but I had not contacted them period or communicated that to them in any other fashion. They continue to contact 3rd parties, harass. here is the verbiage of the letter that I have sent them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN. XXXX Navient XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX CEASE & DESIST Under my federally protected rights that include the Consumer Financial Protection Act of XXXX ( CFPA ), 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its implementing regulation, Regulation V, 12 C.F.R. part 1022 ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, in addition to my rights under the Telephone Consumer Protection Act 47 U.S.C. 227. I hereby officially notify your agency to CEASE & DESIST with ALL CALLS to ANY AND ALL PARTIES not specifically authorized by me in writing and may only utilize my email, account inbox and/or US MAIL to communicate any concern in writing. You may REASONABLY communicate with me in WRITING only! I am aware of the numerous CLASS ACTIONS against your organization I will be joining those actions, or filing my own action and/or complaints with appropriate agencies. This will additionally show yet another attempt at mitigating the damages for the above cited concerns. Sincerely, XXXX XXXX XXXX
Company Response:
State: TN
Zip: 374XX
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: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have been trying to get Navient to right their wrongs for years. Despite my trying to dispute the legitimacy of these loan for years, I decided to pay them off and fight it on the back end. Yet, Navient STILL continues to fraudulently report my loans to the credit bureau. On XX/XX/XXXX, I requested ( and was approved ) for a forbearance on loan " 3 ''. Then again on XX/XX/XXXX, I initially 2 payments to PAY OFF loans " 1 and 2 ''. On XX/XX/XXXX, I checked my credit report and it something to the effect of " between XX/XX/XXXX and XX/XX/XXXX, consumer missed 2 payment ( failed to pay off loan ) and is 120 days late '' and " Between XX/XX/XXXX and XX/XX/XXXX consumer filed dispute ''. BOTH statements are bold face lies and I paid OFF two loans and got a forbearance on the third, yet paid interest on this one ( during the forbearance period ). Navient continues this fraudulent practice of erroneously reporting negative statuses to credit agencies and nothing is being done.
Company Response:
State: MD
Zip: 20879
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have been a victim of identity theft. My DC police report number is XXXX. I can submit this upon request.I submitted my identity theft to the consumer financial protection bureau, the credit bureaus, as well as the creditors. EVERYTHING ON MY CREDIT HAS BEEN FRAUDULENTLY PURPORTED AND THE PROMISSORY NOTES ASSOCIATED WITH IT HAVE BEEN USE FOR MONETIZATION WITHOUT MY CONSENT. I DEMAND A FULL INVESTIGATION INCLUDING, BUT NOT LIMITED TO, THE ENFORCEMENT AND ASSIGNMENT IN WHICH I GAVE VALUE TO, PROOF THAT THE CREDITORS HAD ANY LAWFUL RIGHT TO USE MY CREDIT ENTRY AND AUTHENTICATION, FULL COMPREHENSIVE ACCOUNTING THAT ILLUSTRATES THE DEBIT ENTRY AND CREDIT AND CREDIT ENTRY INTO THE ACCOUNTING UNDER EACH ACCOUNT NUMBER. I REQUIRE ACCOUNTING RECORDS AND THE CONTRACT, THE " WET INK SIGNATURE CONTRACT, '' OR A COPY OF THE CONTRACT THAT IS AFFIDAVITED FOR VERIFICATION. IF THIS IS NOT ABLE TO BE PRODUCED, BY LAW, THE DEBT SHALL BE DELETED.This constitutes legal notice under federal law that regulates the activities of collection agencies and their representatives. They are hereby notified, under provisions of Public Law 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices Act. 15 U.S.C.A 1601.1692 et al. this constitutes timely written notice that, I decline to pay the attached erroneous purported debt which is unsigned and unattested, and which I discharge and cancel in its entirety, without dishonor, on the grounds of false representation and fraud. No judgment has been entered on this matter. 15 U.S.C. 1692 ( e ) states that a " false, deceptive, and misleading representation, in connection with the collection of any debt, '' includes the false representation of the character or legal status of any debt. I have incurred no liability for this debt. Said Notice contains, false, deceptive and misleading representations, and allegations intended to pervert the truth for the purpose of inducing me, in reliance upon such, to part with property belonging to me and to surrender certain substantive legal and constitutional rights. To act upon this Notice would divest me of my property and my prerogative rights, resulting in a legal injury to me. Pursuant to 15 U.S.C. 1692g ( 4 ), Validation of Debts, they did NOT have evidence to validate their claim that the attached presentment does not constitute fraudulent misrepresentation and that I owe this alleged disputed debt. Until the requirements of the Fair Debt Collection Practices Act have been met and your claim is validated, they have no jurisdiction to continue any collection activities against me in this matter. I sent a constructive notice that, absent the validation of their claim within 30 days, they must cease and desist any and all collection activity and are prohibited from contacting me, through the mail, by telephone, in person, at my home, or at my work. But they failed to uphold the law. Their failure to do so is suppose to be a result in charges being filed against you with the State and Federal regulatory agencies empowered with enforcement. Im looking for proper remedy in which case to have this removed from my personal credit report.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2018-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A