Date Received: 2018-11-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Today XX/XX/2018, I logged into my Navient student loan account to make my monthly payment ( it was 2 days past due ). This payment was to be in the amount of {$68.00}. I made this payment and immediately noticed that the amount stated for next months payment is {$190.00}. I did not receive any notice, in any form of this change in payment amount. I phoned Navient and the representative told me they sent me an email notice on XX/XX/XXXX regarding the change. A thorough investigation of my inbox, trash and spam folders for that date yielded no such email. The company did requalify me for graduated repayment ( although at a slightly higher rate than I was previously paying ), but accepted no responsibility in my not receiving notice of the change in repayment terms. This is not the first issue I have had with Navient and I wish their shady practices to be taken seriously.
Company Response:
State: WA
Zip: 98466
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have a student loan through Navient. This company refuses to send payment coupons because they fraud their consumers and can collect more late fees. I mailed my XX/XX/XXXX payment. It was check number XXXX. It clear my bank on XX/XX/XXXX. I have uploaded three different bank statements to my Navient account. The third upload of proof of payment was on XX/XX/XXXX. On XXXX I spoke with XXXX ( XXXX ). She told me that my payment was located and that it would credited to my account that day. It still has not happened. The company started calling me and my husband about 4 times a day. We both spoke with them multiple times. On XX/XX/XXXX I spoke with XXXX. On XX/XX/XXXX I spoke with XXXX ( XXXX ). Both XXXX and XXXX told me my account would be corrected. Today, XX/XX/18, I have received THREE emails from this company attempting to collect debt. I called again today. I spoke with XXXX ( XXXX ). She told me that transferred of my money to my account has not yet been approved. They took my money on XX/XX/XXXX and nearly one month later, despite hours on the phone, I STILL can not get an employee to fix my account.
Company Response:
State: IN
Zip: 46750
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I ended XXXX school in 2003 with approximately 80,000 in debt. I have been paying most of the years since with few exceptions. My debt is now XXXX Since I was a XXXX XXXX since 2003, I applied unsuccessfully for the Public Service Forgiveness program, learning that I needed to first consolidate. It was not made clear to me that my previous years in public service would not count. Additionally, I qualified for Income-Based Repayment prior to consolidation, thinking my loans would be forgiven after 25 years. Again, it was not made clear to me that my timeline would reset upon consolidation. I am so frustrated with Navient, can not make sense of how my payments have been applied, and I overall believe the company to greatly lack transparency in their loan practices. Further, it seems the Dept. of Education must make clear what happens with consolidation. I need relief of this debt! I even left my job teaching literacy and writing in higher education because I thought I would be able to count my years of service toward loan forgiveness.
Company Response:
State: IA
Zip: 52804
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I attempted to pay off two unsubsidized XXXX loans in lump sums, in the online Navient system, on XX/XX/2018. These were for the amounts of XXXX and XXXX. Because I have previously done this, my bank account was saved in the online system and was the default choice for these payments. I later found out, without any notification from Navient, that these payments were 'reversed ' because 'the bank rejected payment '. My bank had no record of them even attempting this payment ; the first Navient representative with whom I spoke told me they sent me notification of this reversal, which is not true. When I investigated, I found that my bank account that was stored previously in the system had been deleted from the system, despite the Navient customer support having a record of the attempt from my original checking account. This is suspicious. I do not mind having to re-enter my account, but Navient earned ~XXXX dollars in interest by having my payments reversed and not telling me about it. When I tried to have this interest taken off future payments, they told me that they can not physically connect me to the 'processing ' ( disputes ) department, and that I must handwrite a letter to send in to their department, which will take 30 days to review. I hope this is not a common or intentional occurrence. {$7.00} dollars, while small as a once off, could amount to quite a bit over thousands of borrowers. As a separate issue, it is obvious that handwriting a letter to the disputes department, paying for postage, taking the time to drop it off at a post office, is their way of betting that you will not follow through with the complaint. There should be an easier way to make these claims online, as there is for virtually every other process in their system.
Company Response:
State: NJ
Zip: 08053
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: They put me in a predator loan
Company Response:
State: CA
Zip: 92084
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I suffered a XXXX XXXX three years ago and was subsequently diagnosed with XXXX XXXX, XXXX XXXX XXXX, and XXXX in my knees, I was unable to work and became eligible for Social Security.. Due to my various problems I have not been able to find employment. My first contact with Navient was to delay repayment through forbearance. However in paperwork from Navient I noticed that a student loan from XXXX XXXX was included in the amount owed. This was a student load PAID OFF years ago. I requested an accounting of my loans to determine what was causing this problem. I never recieved a reply only paperwork with " summaries '' of loans and not explanation. I was then directed toward income repayment and was directed to send my taxes to Navient. In the tax return was {$15000.00} in XXXX XXXX for. the support of my XXXX minor children. As such the amount was overstated. I have since been placed on forbearance several times and the amount that I owe has ballooned to {$230000.00} for a XXXX XXXX XXXX XXXX XXXX. I attempted to qualify for XXXX but can not find a doctor in the area to even begin the primary physician has refused. During this whole process it is almost impossible to find any assistance with dealing wih these issues. Navient appears to prefer only electronic communication and constantly steers people toward forbearance. I have several issues ; 1. I want an accounting of charges, particularly the XXXX XXXX XXXX from 40 years ago. 2. The income driven aspect of my loan is incorrect due to the fact that I am on Social Security and some of my award is for my minor children. 3. What does a person do when they apply for XXXX but are already on Social Security. How do they get a physician. Navient seems to suggest that all people get VA Assistance or Social Security XXXX. The entire Navient process is confusing and seems to be geared to limit the involvement of the student. I understand that Navient is a collection agency but the student is left with little ability to understand the complexity of Navient 's process.
Company Response:
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I contacted Navient in XX/XX/XXXX. I wanted to see about having my Parent Plus included in my IBR. The employee said I needed to consolidate all my accounts and resubmit a IBR. I did what I was told. I recently received the notice ( XX/XX/XXXX ) that I am on an ICR with a payment in the amount of {$260.00} a month. I called and spoke to XXXX # XXXX XX/XX/XXXX, she said the way the consolidation was done I don't qualify for the IBR, had I done it another way-consolidate my parent plus loans and then consolidated that with my loans I would have qualified for the IBR. How was I supposed to know this and the first time when I called, the employee did not mention this at all. I was just told to consolidate. Student loans are so difficult, how was I supposed to know which way I was supposed to do it. I specifically told the employee when I first called about the consolidation that I wanted to include it in my IBR and apply for a 10-year forgiveness. Not once did he mention anything about one loan and then another. He told me to go online and consolidate, so that's what I did. This is unfair, and I cant afford the {$260.00}.
Company Response:
State: CA
Zip: 92557
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: For the past several months Sallie Mae has consistently applied late fees and given no resolve to my payments being reversed for no reason. I have contacted both my bank and Sallie Mae about this issue, but they continue to badger and harass me after these payments are being made then reversed. The banking information I have on file with Sallie Mae to make payments is correct as at least once the payment I've made posted. That payment was {$160.00} made on XX/XX/2018. After this there is a random reversal of {$53.00} made to that {$160.00} I paid which was done on XX/XX/2018. After noticing this I immediately made another payment of {$53.00} that same day. The same exact thing happened on XX/XX/2018 in the amount of {$53.00}, so I made a payment of {$53.00} again to cover this reversal. Late fees have been consistently added every time this happens, and they tell me sorry, but there is nothing they can do. I made a payment on XX/XX/2018 {$160.00} that was reversed on XX/XX/2018 as well, and again, the banking information is correct as they have had one or two payments that were debited from my bank account. XX/XX/2018 {$270.00} was scheduled to post for the ever growing amount that was past due ( even though I MADE those payments! ), and it still has yet to show debited from my bank account even when it says it has been paid on Sallie Mae 's dashboard for my transactions history. This is wrong, and I want this fixed.
Company Response:
State: IN
Zip: 47591
Submitted Via: Web
Date Sent: 2018-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
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: XXXX has been non-compliant with removing the unverified account NAVIENT which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NAVIENT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-13
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: I have been struggling to make my payments on this private student loan that I have with Navient. I had a co-signor and when I miss a payment they will repeatedly call the co-signor several times a day. She has received at least 1 call from them every day for over 60 days. The last time I spoke with Navient ( which was XX/XX/XXXX or XX/XX/XXXX ) I confirmed all my information and asked them to call me and not her, but they still call my co-signor relentlessly. Several times a day, but have not tried to contact me. I understand that i took the loan and I am responsible for it. But to call us continually, every day, several times a day is HARASSMENT!!!! And should we discuss the fact that the people she and I have spoke with in the past seem to think they can be rude and disrespectful just because I am 1 or 2 months behind on my payment!!!! I am willing to submit any documents I have including and not limited to phone records showing the # of incoming calls my co-signor has received. Seems Navient ( among other companies ) thinks they have the right to harass people just because 'we ' owe money. I would appreciate a response to this complaint. I have been dealing with many financial and personal hardships since I took this loan.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2018-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A