Date Received: 2023-02-26
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was in deferment or forbearance for dates it shows late. I'd also like to see the original contract with signature for loans but this was never provided. It shows I owe {$270000.00} for student loans. Therefore I think this is quite reasonable to expect a fee breakdown. Id also requested a copy of letter letting me know loan was was sold and a copy of the actual letter indicating it was sold. Also please show how amount figured. They didnt show proof I was late and not in either deferment or forebearance.I didnt take original loans with Navient. I want proof of everything they gave me a fee for or reported as late.
Company Response:
State: MO
Zip: 65807
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I finally paid off my full student loan to Navient in XX/XX/2022. I did so around the same time another auto-payment was being made causing my account to be overpaid by {$100.00}. I requested a refund in XXXX and they said they processed it and it would be returned to my bank account within a couple months. I never got the refund and have requested another update from them without resolution. What can I do to get my over payment refunded to me? Thank you XXXX
Company Response:
State: UT
Zip: 84123
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I have requested the *original* amortization schedules that were supposed to be provided to me at time of disbursement, either initial or final. Navient is refusing to provide these documents, which I suspect is on purpose due to the fact it will show their fraud.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/22 I get a letter from the XXXX saying that the time frame to work off the scholarship has expired .... XX/XX/22 BY LETTER I challenged that assumption with the fact that the place where I was volunteering was shut down because of XXXX, and I disputed the validity of the debt ..... XX/XX/22 BY LETTER I requested a hearing, an audit, and an investigation by the DOE Inspector General ..... XX/XX/22 I contacted the VA by phone and they said its undisputable that this debt was cancelled/paid by Government Veterans programs .... XX/XX/22 BY LETTER I contacted the Treasury Department that had been charged with collecting this fraudulent debt and sent them info about the the fact that all of my student loans were to be XXXX when the VA and the federal government said I was XXXX XXXX XXXX The XXXX people said that the scholarship / work requirement turned loan, did not fit that government mandate of being paid off due to XXXX, and the school system / financial aid placed it with another government agency for collection. I pointed out to that agency that I had not been given my hearing even though I had requested XXXX in writing as directed by the XXXX XXXX CRD Dispute Form and that I did not owe this money in any way shape or form. The government agency that was collecting this outstanding debt that they had been told by the XXXX that I owed, discovered I was right and returned the debt back to the XXXX. At that time the debt was a little over {$7700.00}, based on the cost per class divided by the 36 month work requirement. Now the debt has been sent to Pioneer Credit Recovery. It is still uncollectible, and as a private firm, now you are engaging in fraud and this problem continues. I don't know who decide {$2300.00} of administrative cost plus {$140.00} of penalties and a credited pay amount of {$310.00} which I was told would be offset against my Social Security. Fine way to treat a war veteran isnt it So whoever at pioneer credit recovery is responsible for reference number XXXX for this supposed Department of Education debt XXXX, once again I have demanded a hearing per my rights and I have demanded an accounting of all loans like mine that were discharged because of COVID. I have also asked the proper oversight people, including OPM, And I have contacted my congressman both Senate and house, to look into the matter. Why the Department of Education agreed with the veterans administration and discharged over {$40000.00} in student loans, as required with the understanding that XXXX XXXX XXXX creates a special circumstance. Why this small section of the Department of Education insists that there scholarship turned loan does not come under that provision, no one can answer. Or no one is willing to answer. This is why the first group that tried to collect the loan is no longer attempting to collect it. They discovered its fraud, and that there are too many errors and what the small section of the Department of Education is doing in this matter. I have contacted the Inspector General of the Department of Education in an effort to get to the bottom of this abuse of power and deliberate misinterpretation and misapplication of the law current
Company Response:
State: UT
Zip: 84075
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCES NAVIENT This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and y are required to remove any information that is not true, accurate, and verifiable. Please remove this inaccurate accounts and late payments that are inaccurately being reported & information IMMEDIATELY from my credit report and send me the updated report showing your compliance with all FCRA laws and XXXX XXXX Reporting Standard. well as this account removed. 15 USC Section 602 States I have the right to privacy. 15 USC Section 604 A section 2 : it also states a consumer reporting agency can not furnish and account without my written permission. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Company Response:
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I contacted Navient a little while ago asking them to not contact any third party through the FDCPA rules about a debt a may or may not owe. They responded and said they do not do that. Today I was informed by a family member that they were contacted by Navient
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Struggling to repay your loan
Subissue: Can't temporarily delay making payments
Consumer Complaint: After filing for bankruptcy and them sending back a proof of claims to receive part of the estate I constantly received harassing phone calls. Emails and letters in the mail after being told those would all stop. Not to mention when speaking to someone with my student loan they kept going back and fourth between it being a federal and private loan one minute its federal the next they say its private. They received money from the estate in the end.
Company Response:
State: IN
Zip: 467XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: My name and info was used to name me as a co-signer for student loans of which I am not responsible for. I submitted a dispute to Navient including a police report for identity theft and various other proof that shows the application was fraudulent. Navient states that identity theft did not play a role in the making of the loan which is clearly erroneous.
Company Response:
State: NJ
Zip: 07748
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Several calls daily with no voicemail left
Company Response:
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Credit report isnt up to date
Company Response:
State: GA
Zip: 31406
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A