Date Received: 2018-12-04
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I have never received any federal student loan to attend any colleges. I have never received any type of billings or notice from any federal student loan stating that I owe for any federal student loans. My income taxes from different years tells a different story as to the moneys that has been taken in regards to student loans for which I had thought for the longest time that my income tax check was all being garnish by the state student loan. I've received a letter from XXXX XXXX XXXX stated that I had federal and state student loan mixed up which was not the case at all .... These folks have collected over {$12000.00} for federal student loans for which I've never had. The documents enclosed are proof of my claim. Respectfully, XXXX XXXX
Company Response:
State: AK
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: 2018-12-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hello, I have made on-time consecutive payments on my student loans via EFT bank transfer ( i.e. the company takes my payment automatically ) for the past 4 years, and now suddenly they are saying my account is past due and trying to say I owe over {$1000.00}. My payments were around {$310.00} for the past couple of years and then in XXXX they sent an email for me to update my financial statement, which I did, and then for XXXX/XXXX/XXXX the amount taken out of my account was {$510.00}. I assumed they just increased my interest rate and while it was difficult to make the payments I just wanted to keep paying my loans so I didn't contact them. Then as of XX/XX/XXXX I'm getting emails and daily phone calls regarding my loans " delinquent status '' and when I log into my account its saying I've missed payments and owe more than double what my usual monthly payment would be. I have all payment history and statements and there is not a single month I have missed since XX/XX/2014. I don't understand how if the company is taking money out of my account automatically I could have underpaid or had a late payment and am now being forced to pay thousands of dollars.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I put my defaulted loans in rehab through XXXX XXXX and made my 9 on time monthly payments. Navient, now XXXX, says they don't know what happened and that my loans were never rehabbed. Now I'm getting letters that my taxes will be offset because my loans are still in default. Years ago, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was advised to forbear my loans because I couldn't afford the XXXX a month payment. My loans were only for {$25000.00} at that time. I've reached out to Navient and XXXX XXXX to resolve this and they keep telling me to just keep making my monthly payment and eventually the loans will be picked up by a lender. I don't know what to do.
Company Response:
State: KY
Zip: 40299
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I've been making payments to Navient on a private student loan for the last 5 years. The balance continues going up. My mom who is XXXX cosigned and they will not allow her off the loan. I've been given erroneous information about allowing her off the loan. They have destroyed her credit and mine and I've called for answers, resolution and they will not provide any info. They are now harassing my mother at home by calling 15-20 times a day. I've fallen behind on payments and have called for assistance and I've been told I need to pay {$1800.00} and there is nothing they can or are willing to do to assist me. I desperately need assistance and a resolution to this. Please help. As you know Navient has multiple lawsuits pending for shady and illegal practices. I'm one of the people.
Company Response:
State: CA
Zip: 94534
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I've been getting phone calls from Navient on my work phone for someone who hasn't worked here for 10+ years. I've informed them multiple times that he doesn't work here, and to stop calling. I've been getting these calls for my entire time that I've worked here, 8+ years. Some calls, in the past, have come in multiple times per day.
Company Response:
State: OK
Zip: 74115
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have student loans through Navient. I finished school 12 years ago. It was 3 years ago that I realized I still owe more than I borrowed to begin with. I called them to address this. They " re-allocated '' my payments. Another year goes by ( to income tax season when I get the form that shows how much I've paid for interest for the year ) and again, every single penny I paid went to interest. Zero to principal. I call them again and they tell me I should pay more than the minimum required. Okay, so I start paying more than the minimum required. Another year goes by, I get the form that tells how much interest I paid for the year. Again, every single penny went to interest. Zero to principal. I call them, they say, well you are paid ahead, by about a year. They tell me I can " re-allocate '' the monthly payments, but they can't put that money already paid ahead towards the principal. So I have almost a years payment ahead, but I still need to pay the minimum plus ( who knows how much ) extra to even put a penny towards the principal each month. I go online and " re-allocate '' the future payments and i set up to make a big increase in my payments. They take one payment from me and then the next month I received a letter saying they have a new company taking over my loans. I now have a new company and lowered my payment back down to the " minimum '' and have watched my principal go down each month, as it should have been for the last 12 years. I recently researched and found that a lawsuit has been filed against Navient due to cases similar to mine. Is there something that I can do to get my past loans reviewed? Are they reimbursing people? I can not find further information on the lawsuit, other than it was " filed ''.
Company Response:
State: MO
Zip: 64850
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have been paying on my student loans for over eight years now. I started out with {$30000.00} of debt and still owe {$30000.00}. My payments were applied 100 % towards the interest and none towards the principal. When I figured out that was what Navient was doing I called and spoke with a customer service representative who told me I had to pay off all the interest first before anything would be applied to the principal. I asked why was I given a choice of how I wanted my payment applied when paying online and then applied differently and I was given the same answer. I told the customer service representative that I would never be able to pay my loans off if that was how they did it and I was told that it was Navients policy. I started off with nine student loans and have paid one off in full and still owe the same amount I did when I started paying ... .how is that even possible or fair??
Company Response:
State: SC
Zip: 29550
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I submitted a request to lower my monthly payment. There were several payment plans presented and an option to have the lowest cost plan selected based on what I qualified for. I selected that option. Navient then put me into forbearance which I did NOT want or know would be one of the option ( assumed they'd all be one the presented plans - forbearance was not listed as one ) for three months. Now my new payment plan after three months is higher than what I was paying before.
Company Response:
State: CO
Zip: 80205
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-03
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I am being threatened by default proceedings by Navient over my school loans. My complaint centers around Navient refusing the option to enroll in the Income-driven repayment plan afforded students in XXXX. I explained that I was earning NO income. Another important benefit for income-driven repayment plan is that for the first three years after enrollment, we would have been entitled to have the federal government pay part of the interest charges if we could not keep up. Furthermore, in all discussions ( or attempted discussions ) they did not return scheduled calls. I was constantly pushed towards forbearance and when I inquired about loan forgiveness, they said I didn't qualify. I was forced to give up XXXX due to a XXXX case of XXXX XXXX/XXXX that prevented me from doing many things especially XXXX. This was communicated to the loan administrators although it made no difference. In XX/XX/XXXX, my husband ( who I married well after I had taken out the student loans was diagnosed with late XXXX XXXX XXXX and XXXX XXXX XXXX. The XXXX had spread to his XXXX requiring the XXXX of XXXX XXXX in his XXXX XXXX and XXXX him XXXX. My husband is unable to earn an income. We are relying on Medicaid and have recently completed paperwork to qualify for SNAP and cash advances. I have had to become his XXXX XXXX XXXX and since he has been placed in XXXX I am no longer allowed to work ( under federal law ) or he will lose his insurance. When he lost his job, we were forced to take Medicaid. Our only source of income is a small Social Security Retirement of $ XXXX/month and a Medical Pension he receives from XXXX of around $ XXXX/month depending on the exchange rate for a total of $ XXXX. We have had to sell items and rely on family to survive. No matter what discussion we held with Navient, they were simply not interested in knowing nor understanding they could not base his XXXX payments on a school loan payment for MY loan. IF I were to die, my spouse can NOT be held legally liable for these loans. I have, for years now, tried to play by their screwed up fake rules. I have called their customer service number too many times to count only to listen to a pre-recorded message that says to follow the prompts, choose the time and date when I would be available to receive a call back. So I would follow THEIR prompts schedule an appointment and wait with my phone in hand to receive a call ... .THEY NEVER CALLED! My full time " job '' now is to care for my husband. Physically, it is very demanding. When I have XXXX with XXXX XXXX, and my husband has doctor appointments, I have to rely on friends to drive him to his appointments because I am unable. Physically, I will never be able to return to the classroom to teach. I am in no position to be able to make any form of payment to Navient and this plea has simply been ignored on numerous occasions. I have written to my Ohio Representative, Mr. XXXX. He contacted Navient and they responded with a letter. I was NOT writing my congressman to ask about " requesting information to repay my loan ''. I wrote him to explain how their deceitful policies and misguided information along with our catastrophic health issue with my husband will not allow me to repay these loans. I also explained to Congressman XXXX that I didn't believe it was fair NOR ethical that Federal Congress people and their families, if they have ever filed bankruptcy for an illness or job loss, they ARE allowed complete student loan forgiveness. They also claimed in the letter they'd " attempted '' to contact me numerous times. ( NONSENSE! ) They can't even return a PRE-SCHEDULED call generated from THEIR system.
Company Response:
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2018-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-03
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have several loans in ibr with Navient. I was told that two of my loans do not qualify for Ibr and wont be part of the ibr forgiveness in 25 years because my income is too high. My loans are also split up and being paid off in increments instead of a whole. So some of them will likely get paid off before the 25 year mark instead of the entire debt being forgiven at 25 years. Until I spoke to the customer service I had no idea that it was not counted as part of my total debt and to the IBR calculation
Company Response:
State: CA
Zip: 92123
Submitted Via: Web
Date Sent: 2018-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A