Date Received: 2018-12-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have 2 loans through Navient ( aka Sallie Mae ) both within a 6 month span, for nearly 5x the tuition they charge back in XX/XX/XXXX. They are private but the issue is I was the 'Original ' signor and have the paperwork to show that. But after year, they claimed my 'dad as the signor and not only that the student ' he was at XXXX and in his XXXX 's. Now come full circle to 2 months ago I am out of work, my parents both retired and well they got nasty with all of us as it was time to re-up the pay as you can go program ( been doing it for 3 years ) was told that program doesn't exist and your lucky to be even in it hasn't existed for 2 years? Yet have been in it for last 2 years. The other end saying you make way more than your claiming and we must talk to the 'signor ' which i haven't been for 12 years but all of a sudden I am. Not only did my parents income drop, but now they are claiming I am the signor but since the loan was taken out on the original papers returned I am not, I demanded that paper work and they won't comply whatsoever and was hung up on when asked. In the past for bad and miss use a layer of Navient out of XXXX contacted me and removed 2500.00 plus off the balance. But now they are just coming for the throat, loss of income, not working yet they want 300.00 plus more a month by telling me a program that does exist and shows on their website today at this current minute 'does n't exist and sorry ' Not only that we as ending the last program as they claim as 'gone ' was told XXXX XXXX, XXXX payment XXXX, now they are saying 2 months behind for XXXX as charging late fees and service fees and what not.
Company Response:
State: OH
Zip: 44446
Submitted Via: Web
Date Sent: 2018-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: my credit report states that my loan was late making my credit negative, I was in forbearance each time that it states I missed a payment.
Company Response:
State: PA
Zip: 19401
Submitted Via: Web
Date Sent: 2018-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-01
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: Actions taken : Wrote to CEO XXXX XXXX in XX/XX/XXXX Wrote to US Department of Education Office of Inspector General Hotline in XX/XX/XXXX and the complaint has been received since XX/XX/XXXX Please read below my complaint and take necessary action. XX/XX/XXXX To Whom it May Concern, I earned my XXXX XXXX XXXX at XXXX XXXX XXXX. I attended that institution from XXXX to XXXX. Back then, I never paid more than {$1600.00} per year {$800.00} per semester. I consolidated all my loans after my graduation and started paying {$300.00} per month for a couple of years. At that time I was making {$28000.00} working for the XXXX XXXX XXXX as an XXXX XXXX. During this period I married XXXX XXXX XXXX. He decided that I was using too much money for myself by paying my own loan, because I was the only one working and was the breadwinner for XXXX of us. So he was determined to find a way for his debt to be paid even though he wasnt working. In XXXX, Navient in complicity with my husband deceitfully misguided me into a joint consolidated loan. My husband was verbally abusive, calling me selfish, unfit mother and used all kind of threats and intimidation to stop me from paying my loan. He contrived a plan to consolidate his debt with mine and a navient customer service representative convinced me that it was in my best interest. This representative claimed that this would be the best deal I would ever have, if I consolidated with my husband. I reiterated that my student loans were consolidated previously. The Navient agent kept on telling me : " Great! You still can consolidate and it is going to be in your best interest. The agent provided me with unclear and deceitful information such as : 1- I can re-consolidate with my husband even though I have already consolidated. 2- The joint consolidation will decrease my interest from 6 % to only 2 %. My husbands plan was to make me pay the entire loan myself. I did pay it from XXXX to XXXX until my husband forced me to resign at the XXXX XXXX and move to Florida. There, I continued paying until XXXX. Unfortunately, it is after this move to Florida that I learned my husband had been XXXX XXXX XXXX XXXX, since she was XXXX. He wanted us to be away from family and friends so he could XXXX XXXX XXXX without the watchful eye of those who loved me and my children. At this point, I was still with my husband and he was working and he did not pay his fair share. Instead, he put pressure on me and tried to force me to sign for forbearance. After I knew about better options, I refused to sign for forbearance. My husband then forged my signature in order to get a forbearance. I informed Navient about it, they told me they can not do anything. The XXXX XXXX that I suffered and knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX led to my divorce. After this traumatizing event, I was unemployed for 7 years trying to rebuild and recover from such damaging period in my life. I informed Navient about the aforementioned facts and reiterated that I am currently unemployed. Navient never informed me about loan forgiveness and/or income driven repayment. In fact, it kept on steering me toward multiple forbearances. I just learned if you work for a XXXX XXXX for 10 years, your school loan can be forgiven, I was with the XXXX XXXX for 6 years. If Navient did not fail to inform me, I would have fought to stay with the organization until I retired. I know that my student loans were around {$10000.00}. I had paid {$300.00} for 3 years before re-consolidating with my husband in XXXX. Then I continued paying for 3 more years until my abusive ex-husband forced me to resign another job. From my calculations I have paid off 80 % of the debt that I previously had. On top of it, I paid Navient for 3 more years after the deceitful re-consolidation. I do not understand how I ended up owing {$78000.00} to Navient ( seven times what I owed in the beginning )? Please, help me sort this out and allow me every concession possible in order to reduce this debt to a reasonable amount. I ask that you waive fees, reduce the interest and present a payment plan that is reasonable and that also requires my ex-husband to be responsible for his portion of the debt. Please bear in mind that I am currently unemployed due to XXXX XXXX wickedness and I explain : XXXX and I have an XXXX son of whom we share a joint custody. My son is in XXXX XXXX and he goes to school from XXXX to XXXX. On the week my son is with me, my employer allowed me to work 30 hours as to be home upon my son arrival. On the week he is with XXXX, they expected me to work 50 hours as to compensate for the previous week. In four occasions, XXXX did not pick up our son on the week he was supposed to, which precluded me from binding with my work schedule. I got fired from my last job since XX/XX/XXXX. If this is not yours, please let me know whom to send it to. My email address is XXXX My phone number is XXXX Thank you for your time and consideration. Sincerely, XXXX XXXX XXXX ( formerly XXXX XXXX XXXX )
Company Response:
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2018-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-01
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Navient systematically misdirected me into an income-driven repayment option without making it clear that I would not student qualify for Public Service Loan Forgiveness even though I am working in XXXX XXXX.
Company Response:
State: MI
Zip: 49009
Submitted Via: Web
Date Sent: 2018-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On average I have called them 4 times a month because Navient constantly kept taking out a payment from my bank but a week later it would be refunded with no record of a withdraw or refund and they would claim that I never paid it. Then my {$200.00} dollar payment would be {$1000.00}. On top of that they have constantly recorded information incorrectly. In XX/XX/2018, I had called 12 times because someone had typed in my account number wrong. 12 times they told me it was fixed. They lied everytime. They have even lied about their office hours and have given me fake phone numbers to contact them. They are despicable XXXX XXXX. They use illegal tactics and tons of fraudulently information and I want my loans transfered to another company. I have been put through a living XXXX with these XXXX XXXX. My own mothers credit score was hit with 100 points because they faled a missed payment. I am barely scraping by and these people deserve to be in jail.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2018-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Been on income contingent plan for years. Recertified my income contingent plans this summer and in XXXX of this year. Navient did not apply income contingent plan to my federal loans instead it was applied again to my private loan that has small balance. I received notification stating my monthly loan amount will go up to almost 2k and to recertify. I was confused because I already did this but I went to certify through my studentloans account again and was unable to recertify b/c it said i already recertified. I faxed Navient and email them through my Navient account on XX/XX/25 and i received an automated email notification stating will follow up within 24 to 48 hours and company never did.
Company Response:
State: MI
Zip: 49503
Submitted Via: Web
Date Sent: 2018-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: In XXXX of 2018 I re-enrolled in college. I have been, and continue to be current with all monthly student loan payments. On XXXX XXXX I received a notification via email from Navient that my accounts have been placed in deferment as a result of information received from myself or my school. The notification states that I am responsible for any interest that accrues during the deferment period. I did not request a deferment on my student loans as I intend to continue with my regularly scheduled payment plan while I attend school. I have contacted Navient to reinstate my regularly scheduled payments. I have also contacted my school to see what information they may have relayed to Navient. I feel that this is an unfair business practice. Placing repayments into deferred status and gaining from additionally accrued interest without consent from the account holder should be illegal. Navient has a long history of manipulating payment options to the detriment of the consumer. Their organization makes it very difficult to make additional payments and pay off loans early. Early payment is allowable under the legally binding agreement that is signed when applying for federal student loans. I have personally experienced this which is consistent with the overwhelmingly negative reviews left on their App. I encourage you to read the reviews for their app and organization on XXXX XXXX. This practice should be ended immediately. In addition, account holders should not be responsible for any interest accrued as a result of unsolicited and unauthorized deferments on their accounts.
Company Response:
State: NY
Zip: 14424
Submitted Via: Web
Date Sent: 2018-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-01
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: Dear Sir/Madam, I am a student who XXXX from XXXX XXXX in XXXX and my family is continuing to pay for my student loans to Navient ( formerly Sallie Mae ) from XXXX to date. It is a very unfortunate circumstance my family and I find ourselves in with Navient, who have so far been very uncooperative & difficult to speak to on two issues : 1 ) Releasing my co-signer 2 ) Lowering the monthly payment amount To date we have continued to make regular monthly payments & have paid almost all of the actual loan amount, with mainly the principal interest amount remaining. Despite our due diligence in making these payments over the years Navient have refused to have an amicable dialogue with us on these issues or consider our requests. As things stand, since I XXXX in XXXX my mother 's health rapidly deteriorated & she is currently a XXXXXXXX XXXX patient, awaiting a XXXX opportunity for over three years now since her diagnosis in XXXX. My father has had to retire to be her full-time carer. I had to help my parents in the first few years after my XXXX & take over the running of the XXXX XXXX XXXX we had, which since my father 's retirement had to be closed. I myself have only now been able to embark on my own career trajectory since my marriage last year in XXXX, after moving to XXXX with my husband. Though I am in a good role now, I am earning in XXXX Rupees so my salary is significantly less than what is demanded to be paid on a monthly basis by Navient. Therefore the only way we are able to afford to pay for the loan amount every month is through the selflessness of my father who despite being retired is paying for the loan from his pension every month, leaving both him and my mother with virtually nothing to survive on month to month. In this twilight of their lives it is heart-wrenching for me as their daughter to neither have the capacity to help them and they continue to have to support me with the onerous amount owed to Navient month-on month. To put this amount in context for you, the monthly amount is near on {$2500.00} a month, which is around 1,900 at the current exchange rate - my fathers pension amount is XXXX a month. I dont think I need to spell-out the math here to emphasise the dire situation my family is in as a result of this onerous monthly amount. If this were not dire enough, more than this we are holding back my XXXX-year old cousin from her higher education in the US as her father is currently my co-signer and is therefore unable to take financial aid for his daughters education. He agreed to be my co-signer back in XXXX as at that time our family were in good financial standing & my mother 's health was not an issue. We had a clear plan to pay back the student loan amount within 2 years of my graduating in XXXX, which has been affected by various aspects primarily my mother 's health and therefore my father 's need to retire early. Though we have repaid almost all of the actual loan amount, the interest is still pending, which I would like to add is extremely high, and I am not a US citizen, so Navient are refusing to release my co-signer. They are also refusing us to change the co-signer to someone else to help us release my cousin from being a co-signer on this loan. In XX/XX/XXXX I submitted a co-signer release form, which Navient subsequently denied. I have attached this document for reference. Their claim that we have not made 12 consecutive payments on the loan is completely wrong. We have made over 12-consecutive payments, therefore the ONLY criteria preventing us from releasing our co-signer is that I am not a US citizen. However the fact that we have continued to dutifully make payments to Navient from XXXX to date shows our commitment to paying off this loan though I am not a US citizen and more than this it baffles me why Navient would refuse to allow us to simply change the co-signer so that my cousin can be free to seek financial aid for his daughters education. Furthermore I was shocked when I spoke to Navient and attempted to reduce the monthly payment amount and was told to default on the loan for a month & then I would be put through to a department called collections the following month, who MIGHT reduce the monthly repayment amount, but there was no guarantee of this. I find this shocking reactionary financial practice - there ought to be a preventative route to help those who have taken loans to reduce their monthly payment amount out of financial need. We are paying an exorbitant amount every month - we would really like to have an amicable dialogue with Navient to reduce this to an amount that both sides can agree on until we can pay off the total amount of the loan. I should add my father made a complaint to the CFPB not long ago- from which nothing was actioned. I have attached this for your reference. Hence I am attempting to go through this again with you from my side. I would like to end by emphasising however that my first and earnest request is that our co-signer should either be released or be allowed to change from him to another co-signer for the loan. This loan is now affecting THREE generations, my parents, me & my young cousin who has not even started her journey in life. We need a resolution to the issues I have laid out here and I implore the CFPB to help us have a dialogue with Navient to help everyone involved in this unfortunate issue. I anticipate a positive resolution from the CFPB. Kind Regards, XXXX.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-01
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I am currently XXXX XXXX XXXX and have been for 20 years. My student loans were consolidated via Sallie Mae ( now Navient ) back in XX/XX/2006 and I discovered a few years back that they type of consolidated loans they recommended me into do not meet the criteria for Public Service Loan Forgiveness Program, so now I am stuck making payments on what still remains to be a {$20000.00} debt ( at 4.25 % ), when I feel I should have been guided by them to consolidate into a loan type that could have been forgiven. I have continued to make my payments on time and my account is in good standing. I am still honorably serving my country and am asking for assistance in seeing if this student loan debt could somehow still be forgiven via that program. Thank you for your consideration.
Company Response:
State: SC
Zip: 29150
Submitted Via: Web
Date Sent: 2018-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-01
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Navient withdrew an unauthorized payment from my bank account on XX/XX/2018. I did NOT authorize this payment and I certainly did NOT authorize it to be taken automatically. They did not withdraw this amount in the month before, so Im confused as to why they withdrew for XX/XX/XXXX. This is not the first time this has happened.
Company Response:
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2018-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A